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Survival of Traditional Retailers: An Islamic Business Perspective Rahmawati, Lilik; Faidah, Mutimmatul
al-Uqud : Journal of Islamic Economics Vol 4, No 1 (2020): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v4n1.p18-31

Abstract

This study aimed to explain the reality of survival mechanisms and adaptive strategies by traditional retailers in Surabaya in facing the existence of massive modern retail stores. This study used qualitative research with a phenomenological approach. The data collection method used observation and interview techniques. Data analyzed with Clark and Scott's survival mechanism theory and the adaptive strategy by Miles and Snow. The result of this research was in the aspect of defender strategy, traditional retailers did various strategies when prices went up, and instead of increased the prices they choosed to reduce the profits. The stores equipped with people daily needs to retain customers. Even though the stock was small, the items sold were complete. It was important to promote family relations with buyers. A striking aspect is the close family relation that was so different from modern retail stores. In the aspect of reactor strategy, the owners responded to the situation without having a long-term strategy design. Their store’s responses were reactive and short-term oriented in the form of selling goods by following the tastes of buyers and current trends. Meanwhile, in carrying out business performance in connection with the survival mechanism, Surabaya traditional retailers met the business assessment of the Islamic perspective namely on the aspects of material, mental, spiritual, and fraternal.
SISTEM KEBIJAKAN FISKAL MODERN DAN ISLAM Rahmawati, Lilik
Oeconomicus Journal of Economics Vol. 1 No. 1 (2016): [Desember] Edisi 1
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (808.366 KB) | DOI: 10.15642/oje.2016.1.1.21-48

Abstract

Tulisan ini berusaha untuk menjawab permasalahan terkait sistem kebijakan fiscal modern dan Islam. Catatan terhadap kebijakan fiskal modern adalah tidak dimasukkannya etika baik itu dalam tinjauan sistem maupun teorinya. Pemasukkan preferensi nilai tersebut, paling tidak dapat dijadikan upaya preventif untuk mencegah terjadinya krisis-krisis moral yang menjangkiti pelbagai institusi ekonomi pemerintah yang kemudian dapat mengurangi secara signifikan hasil-hasil fiskal ekonomi moderen dalam merekayasa perekonomian. Kesimpulan dari tulisan ini adalah bahwa secara umum kebijakan fiskal di Romawi, Yunani, Mesir Kuno dan India berada pada otoritas penguasa. Sedangkan dalam Islam, kebijakan fiskal merupakan suatu kewajiban negara demi menjadi hak rakyat, sehingga kebijakan fiskal bukan hanya sebagai suatu kebutuhan untuk perbaikan ekonomi maupun peningkatan kesejahteraan rakyat, tetapi lebih pada penciptaan mekanisme distribusi ekonomi yang adil. Sumber pemasukan tetap bagi negara Islam adalah faiâ??, ghanimah, Kharaj, jizyah, â??ushur dan khumus. Sedangkan zakat merupakan alat bantu sosial mandiri yang menjadi kewajiban moral bagi orang kaya untuk membantu mereka yang miskin dan terabaikan.
Pengembangan Kewirausahaan Islam di UIN Sunan Ampel Surabaya Menuju Islamic Entrepreneurial University Rahmawati, Lilik
OECONOMICUS Journal of Economics Vol. 3 No. 1 (2018): [Desember] edisi 5
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.991 KB) | DOI: 10.15642/oje.2018.3.1.81-100

Abstract

Tujuan dari penelitian ini adalah untuk desain program kewirausahaan UIN Sunan Ampel dengan basis islamic entrepreneurial campus. penelitian ini terkategori library research dengan menggunakan pendekatan kualitatif. Adapun teknik pengumpulan data penelitian ini dengan studi dokumentasi. Analisis data yang dilakukan bersifat deskriptif–analisis. Desain Islamic Entrepreneurial University UIN Sunan Ampel dalam penelitian ini meliputi beberapa hal: pertama: penyelenggaraan kurikulum kewirausahaan terpadu; kedua: Peningkatan Sumber Daya Manusia; ketiga: Implementasi Entrepreneurship Center; keempat:Kerjasama dengan Dunia Usaha; Kelima: Membentuk Unit Usaha untuk mahasiswa; keenam:Kerjasama dengan Institusi Keuangan (perbankan/non perbankan); ketujuh: Penyelenggaraan Entrepreneurship Award.
Analisis Kontribusi Pajak Kendaraan Bermotor dan Bea Balik Nama Kendaraan Bermotor terhadap Pendapatan Asli Daerah (PAD) Provinsi Jawa Timur Islami , Debby; Rahmawati, Lilik
OECONOMICUS Journal of Economics Vol. 4 No. 2 (2020): (Juni) edisi 8
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2020.4.2.169-179

Abstract

Pajak daerah merupakan iuran wajib yang harus dibayarkan oleh setiap masyarakat sebagai bentuk kontribusi kepada daerah yang sifatnya memaksa berdasarkan undang-undang. Adanya otonomi daerah memaksa setiap daerah untuk berinovasi dalam menghasilkan pendapatan daerahnya sendiri dengan melakukan penggalian terhadap sumber-sumber pendapatan khususnya Pendapatan Asli Daerah. Berdasarkan hasil penelitian, pajak merupakan komponen Pendapatan Asli Daerah yang memiliki kontribusi besar, diantaranya adalah pajak kendaraan bermotor dan bea balik nama kendaraan bermotor. Sektor pajak merupakan sektor yang sangat memengaruhi kondisi keuangan Pemerintah Provinsi Jawa Timur karena digunakan untuk mengelola dan mengatur perekonomian Provinsi Jawa Timur. Penelitian ini menjelaskan bagaimana kontribusi dari pajak kendaraan bermotor dan bea balik nama kendaraan bermotor terhadap Pendapatan Asli Daerah Provinsi Jawa Timur. Penerimaan dari dana Pendapatan Asli Daerah diharapkan dapat meningkatkan kualitas dan pelayanan baik dalam pembangunan fisik maupun non fisik di Provinsi Jawa Timur. Perwujudan otonomi daerah di Provinsi Jawa Timur sudah efektif dapat dilihat dengan keberhasilan dalam menggali sumber-sumber dana dan pembangunan daerah
Analisis Kontribusi Pajak Kendaraan Bermotor dan Bea Balik Nama Kendaraan Bermotor terhadap Pendapatan Asli Daerah (PAD) Provinsi Jawa Timur Islami , Debby; Rahmawati, Lilik
OECONOMICUS Journal of Economics Vol. 4 No. 2 (2020): (Juni) edisi 8
Publisher : Program Studi Ilmu Ekonomi UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/oje.2020.4.2.169-179

Abstract

Pajak daerah merupakan iuran wajib yang harus dibayarkan oleh setiap masyarakat sebagai bentuk kontribusi kepada daerah yang sifatnya memaksa berdasarkan undang-undang. Adanya otonomi daerah memaksa setiap daerah untuk berinovasi dalam menghasilkan pendapatan daerahnya sendiri dengan melakukan penggalian terhadap sumber-sumber pendapatan khususnya Pendapatan Asli Daerah. Berdasarkan hasil penelitian, pajak merupakan komponen Pendapatan Asli Daerah yang memiliki kontribusi besar, diantaranya adalah pajak kendaraan bermotor dan bea balik nama kendaraan bermotor. Sektor pajak merupakan sektor yang sangat memengaruhi kondisi keuangan Pemerintah Provinsi Jawa Timur karena digunakan untuk mengelola dan mengatur perekonomian Provinsi Jawa Timur. Penelitian ini menjelaskan bagaimana kontribusi dari pajak kendaraan bermotor dan bea balik nama kendaraan bermotor terhadap Pendapatan Asli Daerah Provinsi Jawa Timur. Penerimaan dari dana Pendapatan Asli Daerah diharapkan dapat meningkatkan kualitas dan pelayanan baik dalam pembangunan fisik maupun non fisik di Provinsi Jawa Timur. Perwujudan otonomi daerah di Provinsi Jawa Timur sudah efektif dapat dilihat dengan keberhasilan dalam menggali sumber-sumber dana dan pembangunan daerah
ANALISIS TERHADAP CETAK BIRU BANK INDONESIA PERIODE 2002-2011 UNTUK PENGEMBANGAN PERBANKAN SYARIAH INDONESIA Rahmawati, Lilik
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Research entitled “Analysis of the blue print of bank Indonesia for the development of Sharia banking in Indonesia period 2002-2011” aims to find out the blueprint of Islamic banking 2002-2011 issued by Central Bank of Indonesia, described the already realized targets of the blueprint of Islamic banking and those which not yet realized, also find out the factor which causes the targets the blueprint of Islamic banking were unrealized. This research is a descriptive research with in-depth analysis method. Data collection methods used was observations and interviews. The results showed that the targets of Indonesian Central Bank’s blue print covering the four things; first, adherence to the principles of Sharia; second, prudence; third, the improvement of operational efficiency and high competitiveness; fourth; stability and expediency of Islamic banking system for the economy. Blueprint objectives outlined in the strategic initiatives that are generally already implemented include: improving the understanding of Islamic finance, facilitating the formulation of norms of Islamic finance, conducting studies in surveillance and integrated arrangement system, refining the provisions of office network, developing “exit and entry” policy settings, enhancing the quality of human resources, creating strategic alliances with related agencies, devising the concept of the “takaful” deposit, pushing the involvement if rater institutions in banking activities, and encouraging an increasing in the role of financing with profit-loss sharing method. The objectives outlined in the strategic initiatives that have not been implemented were: the development of the concept of incentives for adherence to the principles of the Sharia, the development of real time supervision, the fulfillment of the needs of people who want Sharia banking services throughout Indonesia with 5% market share, the materializing of the Islamic banking “kaffah” functions, and the ability to serve all segments of the community. The factors those cause unimplemented strategic initiatives were the lack of knowledge and understanding of the people about Islamic banking; the lack of human resources with sufficient skill and capability in Islamic economy especially about the laws relating to Islamic banking, the scarcity of funds for socialization and information technology needs, also the assumption of 5% market share defined in accordance with the fact that the current Islamic banks consumers aren’t only muslims but also non-Muslim community
ANGGARAN PENDAPATAN BELANJA NEGARA (APBN) PEMERINTAHAN ISLAM: Wacana Politik Ekonomi Islam Rahmawati, Lilik
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The current domination of conventional economics makes Muslims are faced with historical expectations, as well as a considerable challenge, especially with regard to the economic system. The current world economic system, that is capitalism, has a basic principle of maximum benefit with limited resources. Efforts of capitalist are supported by the values of freedom to fulfill the needs. Humans have broad freedom to own property. This principle is incompatible with the principles of Islamic economics which recognizes the freedom of man on the values of tawhid, the right to own property on the basis of the benefit, prohibiting the accumulation of property, and equitable distribution of wealth. Related to the fulfillment of human needs, then its mechanism in Islam is set within a country. Islamic countries are very significant role in ensuring the welfare and needs of its people. In order to ensure the welfare of the people, the state will perform a variety of budget-related policies are referred to the State Budget (Budget). Budget policy in Islam is regulated through the institution called Baitul Mal. The basic concept for the allocation of Islamic government revenue is maslahah, because the ultimate goal of every Islamic government is to maximize the welfare of all citizens, ensure the fulfillment of basic needs of each individual as a whole, and encourage every individual to be able to meet his various secondary and luxurious needs according to his ability levels. Therefore, the government is obliged to create a fair economic distribution mechanism. Permanent sources of income for an Islamic state are fai', ghanimah, kharaj, jizya', ushur, and khums. While charity (zakat) is a tool of auto social self-help that becomes a moral obligation for the rich to help the needy and neglected.
KUALITAS PELAYANAN DAN PENGARUHNYA TERHADAP TINGKAT KEPUASAN NASABAH DI BMT UGT SIDOGIRI CAPEM WARU Rahmawati, Lilik; Hudayatin, Nofiana
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The quality of service has a close relationship with customer satisfaction. The quality of service provided an impetus to the customer to establish bonds of strong relationships with the company. When already interwoven bond, then the customer will choose the company and when they came to the company, they already have expectations about what kind of service will be obtained (acceptable) based on previous experience, communication, Word of mouth has ever heard, other information has ever been received, as well as the influence of the need. The service ever experienced will become the accepted standard of comparison services at this time. Based on that background, the outline of the problem surfaced, namely: whether quality of service indicators simultaneously influences on satisfaction clients in BMT UGT Sidogiri Waru Branch? Whether quality of service indicators affects customer satisfaction against partially in BMT UGT Sidogiri Waru Branch? And what indicators are most influential to the satisfaction of the customer in BMT UGT Sidogiri Waru Branch? The purpose of this research is to know the influence of partially and simultaneous, as well as the most dominant indicator of service quality on customer satisfaction levels in response to BMT UGT Sidogiri Waru Branch. The dimensions of service quality consist of intangibles, reliability, response, reassurance and empathy. This research uses descriptive quantitative methods, with incidental sampling technique with a number of respondents as much as 88 clients. The results of data analysis using regression analysis showed that, simultaneously, the quality of service which consists of intangible variables, reliability, response, reassurance and empathy to the customer with the highest level of satisfaction F_hitung > F_tabel 2,368 3,626 and significance of 0.005. Partially, intangible factors have a significant influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy don’t have significant effects. The most dominant factor influence on satisfaction clients is a tangible factor, because the value of the significance of these factors most of 0.264. The regression equation is obtained as follows: Y = 5.492 + 0.179X1 + 0.115X2 + 0.122X3 – 0.007X4 + 0.113X5 indicates that increasing the quality of service in terms of intangibles can increase customer satisfaction.
IMPLEMENTASI WAKAF TUNAI DALAM PEREKONOMIAN DAN PENGEMBANGAN INFRASTRUKTUR Rahmasari, Dewi; Firdaus, Fira Fara; Rahmawati, Lilik; Nadia, Nada El; Hadi, Nurrohman
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 6 No. 2 (2020): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jsei.v6i2.2708

Abstract

This study aims to determine the implementation of cash waqf in the economy and infrastructure development. How to manage cash waqf so that they can advance and develop the economy. And discuss what potential is produced. Along with the development of the waqf era has become the culture of the wider community that is applied until now, but most of them only apply the commonly done as endowments. The existence of this journal aims to increase understanding of cash waqf which is a driving force for the economy and infrastructure.