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Pengupahan dalam Sistem Upah Indonesia dan Islam Ruslan Abdul Ghofur
al-'adalah Vol 15, No 2 (2018): Al-'Adalah
Publisher : Universitas Islam Negeri Raden Intan Lampung

The conflict between workers and employers has become a routine phenomenon in the world of labor in Indonesia. From a number of demands that have arisen in each demonstration, the issue of wages has always been the main issue voiced by the workers. The government has actually attempted to mediate this issue by issuing a regulation on Provincial Minimum Wages (UMP) and Minimum Wages for City/District (UMK). The issue of wages, however, always ranks first in the demands of the workers. This article compares the concept of wages in the capitalistic economic system with the concept of wages in Islam. The aim is to get an idea of how each system regulates the relationship between workers and employers. This study finds out that in Islamic economics, wages (ujrah) are product of a system of cooperative help which is manifested in a contract of an employment agreement. Whereas in a capitalistic economic system, labor is more valued as one type of commodity or capital goods that will produce a new value.

PENGARUH TECHNOLOGY ACCEPTANCE MODEL TERHADAP KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT MELALUI FINTECH GOPAY (STUDI PADA MUZAKKI BAZNAS DKI JAKARTA) Afiful Ichwan; Ruslan Abdul Ghofur
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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

Indonesia is one of the countries with the most Muslim population. but in Indonesia zakat so far the realization of its acceptance is far from the existing potential. Baznas as a government institution authorized to carry out the processing and distribution of Zakat funds continues to increase Zakat receipts by working together to bring innovative Zakat facilities through fintech Gopay, the results of this innovation with fintech Gopay have managed to help collect donations of 63 billion. By using the Technology Acceptance Model. the authors analyze and understand the factors in influencing the acceptance of use through technology. The formulation of the problem how the influence of the Technology Acceptance Model on the decision to pay Zakat through Fintech Gopay? The results of the study concluded that the Technology Acceptance Model (perceived usefulness and perceived ease of use) partially and simultaneously influences the decision to pay Zakat through Fintech Gopay Keywords: Technology Acceptance Model, Zakat, Gopay fintech, Decision.

The Influence of Sharia Complaince Against Fraud on The Sharia Banks In Indonesia Ana Santika; Ruslan Abdul Ghofur
Journal of Economic, Management, Accounting and Technology (JEMATech) Vol 3 No 1 (2020): Februari
Publisher : Fakultas Teknik dan Ilmu Komputer, Universitas Sains Al-Qur'an (UNSIQ) Wonosobo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32500/jematech.v3i1.784

Penelitian ini bertujuan untuk menganalisis seberapa besar pengaruh syariah complaince terhadap profitabilitas Bank Umum Syariah Indonesia. Sampel dipilih dengan metode purposive sampling sehingga didapat 9 sampel bank umum syariah Unit analisis dalam penelitian berjumlah 45 laporan tahunan Bank Umum Syariah. Pendekatan penelitian dengan metode kuantitatif menggunakan data sekunder. Jenis data kuantitatif berupa data laporan keuangan (annual report) masing-masing bank dari tahun 2013 sampai 2017. Hasil dari penelitian ini dilihat dari hasil uji F, variabel Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), dan Islamic Invesment Ratio (IIR) secara simultan tidak berpengaruh signifikan terhadap variabel fraud. Dari hasil uji t variabel Profit Sharing Ratio (PSR), Islamic Income Ratio (IsIR), dan Islamic Invesment Ratio (IIR) tidak berpengaruh dan tidak signifikan terhadap variabel fraud. Berdasarkan hasil analisis diatas dengan tidak adanya pengaruh tersebut disebabkan, kegiatan pada perbankan syariah saat ini melaksanakan kepatuhan pada prinsnip-prinsip syariah, karena semakin rendah tingkat fraud semakin tinggi tingkat shariah complaince pada perbankan syariah. Bagi pihak bank tetap harus meningkatkan tingkat kepatuhan pada pinsip-prinsip syariah dan juga melakukan kegiatan terhadap pencegahan penipuan.

Affect Sharia Compliance and Exchange on the Balance of Payment Insurance Deficit in Indonesia Dewi Tradena; Ruslan Abdul Ghofur; Erike Anggraini
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 5 No 2 (2023): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Annual balance of payments insurance which has increased. An increase in the balance of payments deficit, if not immediately addressed, will have a negative impact on the country's economy and hinder the country's development and ultimately prosperity will be difficult to achieve. The purpose of this study was to examine the effect of financial performance, total sharia reinsurance assets, sharia compliance and exchange rates on the insurance balance of payments deficit in Indonesia. The method used in this research is quantitative research with the data used is secondary data in the form of time series obtained from the Financial Services Authority. Data collection uses documentation, in the form of quarterly data starting from 2010Q1-2019Q4. The total sample in this study was 40 research samples. The collected data were analyzed using multiple linear regression. The test instrument used was the SPSS IBM 21. This study shows that simultaneously financial performance, total sharia reinsurance assets, sharia compliance and the exchange rate have a significant effect on the insurance balance of payments deficit in Indonesia with a significance of 0.000. while the results of the partial test show that financial performance, total assets of sharia reinsurance, sharia compliance negatively affect the insurance balance of payments deficit in Indonesia. Meanwhile, the exchange rate has a significant and positive effect on the insurance balance of payments deficit in Indonesia. The coefficient of determination of Adjusted R^2 is 0.610 or 61%. That is, the ability of the independent variables namely financial performance variables, total assets, sharia compliance and the exchange rate in explaining the dependent variable, namely the Indonesian insurance balance of payments deficit for the 2010-2019 period is 61% and the remaining 49% is influenced by other variables outside the model that are not the study of this research. . Keywords; Balance of Payments Deficit, Exchange Rate, Sharia Compliance

PENGARUH TECHNOLOGY ACCEPTANCE MODEL TERHADAP KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT MELALUI FINTECH GOPAY (STUDI PADA MUZAKKI BAZNAS DKI JAKARTA) Afiful Ichwan; Ruslan Abdul Ghofur
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Indonesia is one of the countries with the most Muslim population. but in Indonesia zakat so far the realization of its acceptance is far from the existing potential. Baznas as a government institution authorized to carry out the processing and distribution of Zakat funds continues to increase Zakat receipts by working together to bring innovative Zakat facilities through fintech Gopay, the results of this innovation with fintech Gopay have managed to help collect donations of 63 billion. By using the Technology Acceptance Model. the authors analyze and understand the factors in influencing the acceptance of use through technology. The formulation of the problem how the influence of the Technology Acceptance Model on the decision to pay Zakat through Fintech Gopay? The results of the study concluded that the Technology Acceptance Model (perceived usefulness and perceived ease of use) partially and simultaneously influences the decision to pay Zakat through Fintech Gopay

PENGARUH TECHNOLOGY ACCEPTANCE MODEL TERHADAP KEPUTUSAN MUZAKKI MEMBAYAR ZAKAT MELALUI FINTECH GOPAY (STUDI PADA MUZAKKI BAZNAS DKI JAKARTA) Afiful Ichwan; Ruslan Abdul Ghofur
Ekonomi Islam Vol. 12 No. 1 (2021): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/jei.v12i1.4895

Indonesia is one of the countries with the most Muslim population. but in Indonesia zakat so far the realization of its acceptance is far from the existing potential. Baznas as a government institution authorized to carry out the processing and distribution of Zakat funds continues to increase Zakat receipts by working together to bring innovative Zakat facilities through fintech Gopay, the results of this innovation with fintech Gopay have managed to help collect donations of 63 billion. By using the Technology Acceptance Model. the authors analyze and understand the factors in influencing the acceptance of use through technology. The formulation of the problem how the influence of the Technology Acceptance Model on the decision to pay Zakat through Fintech Gopay? The results of the study concluded that the Technology Acceptance Model (perceived usefulness and perceived ease of use) partially and simultaneously influences the decision to pay Zakat through Fintech Gopay

Face to Face Consumption According to Conventional and Islamic Concept Basrowi Basrowi; Ruslan Abdul Ghofur
Islamic Studies Journal for Social Transformation ISJOUST Vol 3, No 1, 2019
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) IAIN Pekalongan

The purpose of this study is to get detailed answers to the differences between consumption concepts from conventional and Islamic perspectives. Face to face comparison is believed to provide a complete picture of the differences in these two perspectives. The method used to answer the above problems is by qualitative methods, precisely the method of literature. The results of the in-depth study show that there are very essential differences between the concepts of consumption according to conventional and Islamic perspectives. The difference is not only in values, principles, but also in the application of daily application. This research gives a new perpective in the scientific repertoire of consumption concepts according to Islam because it is able to present differences face to face to get clarity on a phenomenon

The Role of Muslim Generation Community at Zakat Collection on Realizing Sustainable Development Goals (SDGs) in the Era of Digital Society 5.0 Rizal Rizal; Ruslan Abdul Ghofur; Pertiwi Utami
JURIS (Jurnal Ilmiah Syariah) Vol 22, No 1 (2023)
Publisher : Institut Agama Islam Negeri Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/juris.v22i1.6562

The large potential of zakat funds can support the government’s efforts in alleviating poverty. However, its management has not been seen optimally even though BAZNAS has been designated as the official agency and the only non-structural government agency that manages zakat. This study aims to investigate the important role of the human generation who are members of the Muslim community in collecting zakat at the BAZNAS in the era of digital society 5.0 to realize the SDGs. This study uses a literature study method with library data collection techniques, reading and taking notes, and managing research materials by tracing written sources that have been previously written. This study uses content analysis techniques to obtain written information that focuses on four dimensions, namely human generation, Muslim community, zakat collection, and sustainable development goals. The findings reveal that two generations of humans are members of the Muslim community that have the potential to increase zakat collection. Deeper, Maqāṣid shari’āh as the essence of Islamic law through the values of justice, freedom, and human rights of the Muslim community will support the goal of collecting zakat. The novelty of this research found that building the strength and glory of BAZNAS in the era of digital society 5.0 requires strong social ties from the entire Muslim generation community, especially the younger generation community. The main contribution of this research highlights the ‘zakat movement’ led by BAZNAS to pay more attention to the role of the millennial Muslim generation community and iGeneration in supporting zakat empowerment programs to realize Sustainable Development Goals.

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