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Rasionalitas Gerakan Kewirausahaan Organisasi Tarekat Ṣiddîqîyah di Jombang Misbahul Munir
Islamica: Jurnal Studi Keislaman Vol. 9 No. 2 (2015): Maret
Publisher : Postgraduate Studies of Universitas Islam Negeri Sunan Ampel Surabaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (411.974 KB) | DOI: 10.15642/islamica.2015.9.2.295-322

Abstract

This article aims to reveal the values of local wisdom explored from the teachings of the Siddîqîyah order which drives the emergence of high spirit of entrepreneur-ship. The article demonstrates that the spirit of entrepreneur-ship within the Siddîqîyah order is strongly related to its teachings, doctrines and culture, such as that of the unity between faith and humanity, the eight points of readiness for the Siddîqîyah membership, and the doctrine of santri (disciple). In attempts to earn living, they run business enterprise through promoting the principle of hard-work and good business management, in addition to implementing spiritual and social capital in achieving success in business. They believe in and feel the strength of prayer (dua), certain rituals, and the importance of belief and harmony to achieve success in business. The teachings, doctrines and culture of the Sidd?q?yah order influence the understanding towards the meaning of wealth or property, and occupy an important position in the life of the Sidd?q?yah followers. For them, property or wealth has double meaning; it is not only meant in economic context, but also understood in other meanings, i.e., social, spiritual, cultural, and philosophical.
Peran Moderasi Human Capital Diantara Pengaruh PMA dan PMDN Terhadap Pertumbuhan Ekonomi Islahul amri; Misbahul Munir
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 1 (2020): Jurnal Ekspansi Mei 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i1.1861

Abstract

Investment and development of human capital is a major concern for the current government. By increasing the value of domestic and foreign investment and the competence of human capital will increase Indonesia's economic growth. The purpose of this study is to determine the effect of domestic investment and foreign capital investment on economic growth with moderated human capital. This research uses a quantitative approach. The number of samples selected amounted to 10 samples obtained from time series data during the period 2010- 2019. Data analysis methods used were multiple regression analysis and the Moderated Regression Analysis (MRA) test. From the results of the study indicate that domestic investment has a positive and significant effect on the money supply. Foreign Investment has a positive and not significant significant effect on the money supply. Human capital is not able to moderate the relationship of Domestic Investment to economic growth. While human capital can moderate the relationship of Foreign Investment to economic growth.
Customer Perceptions of Murabahah Financing on MSMEs Muflih Khallab Al Mustaqim; Muhammad Djakfar; Misbahul Munir
AL-ARBAH: Journal of Islamic Finance and Banking Vol 2, No 2 (2020)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2020.2.2.7259

Abstract

Purpose - This study aims to examines the concept and implementation strategy of murabahah financing in the development of MSMEs and customer perceptions of murabahah financing at Bank BRI Syariah Jambi Branch Office.Method - This research uses a qualitative approach with a type of case study. The research data were obtained by conducting in-depth interviews, observation and documentation. MethodMiles and Huberman were used as data analysis techniques by way of data reduction, data presentation and drawing conclusions / verification.Result - Murabahah financing at BRI Syariah Bank Jambi Branch Office using murabahah with installments (bitsaman ajil). The next concept is to combine the wakalah and murabahah contracts. The strategy chosen in an effort to increase murabahah financing is to implement two strategies simultaneously, namely the internal strategy and the external strategy. Meanwhile, the perceptions of murabahah financing customers on the development of MSMEs are generally satisfied with the systems, regulations and services provided. However, customers' understanding of the concept of Islamic banking is still minimal.Implication - Optimizing the strategy for increasing financing and disseminating the understanding of the Islamic banking concept to customers and the general public at large.Originality- This study aims to determine the perceptions of Islamic bank customers about murabahah financing in Jambi City. 
Penerapan Ilmu Ushul Fiqh Dalam Penetapan Istinbath Hukum Produk Halal di Indonesia Badrud Tamam; Kasuwi Saiban; Misbahul Munir
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 01 (2022): JESPB Edisi April 2022
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i01.259

Abstract

The science of Ushul Fiqh is a discipline that is very urgent for Islamic law experts in determining halal products in Indonesia, because with this knowledge, a mujtahid or Islamic law expert, can find it easy to find out contemporary economic laws that are not contained the sharih texts in the Qur’an and Al-Hadits. In addition, the Science of Ushul Fiqh can also make it easier to understand and master the problems of furu’iyah or fiqhiyah which continue to develop at the rate of development of the times, situations and conditions, and they are all countless. The science of ushul fiqh in the field of economics can be a solution in justifying and providing legal legitimacy to all movements of economic activity in various fields of transactions (muamalah), which if all of this is in accordance with the halal principle that is, does not conflict with the texts and maqoshid al-syariah.
ANALISIS PENDEKATAN SISTEM DALAM EKONOMI ISLAM (Sebuah Pemikiran Maqashid Al-Syariah as Philosophy of Islamic Law Jasser Auda) Matnin; Kasuwi Saiban; Misbahul Munir
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 7 No. 01 (2022): JESPB Edisi April 2022
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v7i01.262

Abstract

The purpose of this study is to analyze the systems approach in Islamic economics based on maqashid al sharia thinking using the system philosophy offered by Jasser Auda. According to him, there are at least two approaches that need to be mastered professionally at the same time, namely first, approaches that are closely related to the dimensions of time and history and second, approaches that are closely related to philosophical concepts and thoughts. The basic concepts used by Jasser Auda in the Systems approach and analysis in Maqasid Syariah as a philosophy of Islamic law include looking at the problem as a whole (Wholeness), always being open to the possibility of improvement and refinement (Openness), interrelated-Hierarchy. , involving various dimensions (Multidimensionality) and prioritizing and prioritizing the main goal (Purposefulness). The approach in this research is descriptive qualitative. The analysis technique used is content analysis (content analysis). Content analysis is simply defined as a method for collecting and analyzing the content of a text. The original of this research on Islamic economics within the framework of a systems philosophy approach is Cognition (Cognitive Nature), Towards Holism, Towards Openness/Wholeness,. Interrelated Hierarchy, Multi-dimensionality, Purposefulness/Intentions.
Implementasi Maqashid Syariah dalam Pemberdayaan Ekonomi Masyarakat Efriza Pahlevi Wulandari; Kasuwi Saiban; Misbahul Munir
Invest Journal of Sharia & Economic Law Vol 2, No 1 (2022): Invest Journal of Sharia & Economic Law
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3661

Abstract

Poverty is a social problem that must be immediately eradicated in people's lives. If there is no serious action to eliminate it, there will be many problems that arise due to poverty, such as crime, crime; even a strong person's faith can become weak when poverty strikes. one effort to reduce the level of poverty that exists, namely by empowering the community through the business sector (industry) to improve economic welfare. Islamic economic welfare is divided into 2, namely the welfare of the world and the hereafter. Welfare is material and spiritual welfare. Material welfare is obtained by increasing income to meet life's needs, while spiritual welfare draws closer to Allah SWT by maintaining maqashid sharia. The goal and hope of this Maqashid Syariah in improving the community's economy are to produce prosperity for the community itself, both in this world and in the hereafter         
Analisis Perbandingan Kinerja Keuangan Bank Syariah dengan Bank Konvensional Perspektif Maqashid Syariah Solikhul Hidayat; Kasuwi Saiban; Nurfadilah Nurfadilah; Misbahul Munir
Invest Journal of Sharia & Economic Law Vol 2, No 1 (2022): Invest Journal of Sharia & Economic Law
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/invest.v2i1.3663

Abstract

Accounting as a complement (tahsiniyat) can turn into a necessity (hajiyat) at the maqashid level. Maqashid sharia is not the most decisive factor in giving birth to sharia economic products that can play a dual role as a tool of social control and socio-economic engineering to realize human benefit, sharia maqashid can provide philosophical and rational dimensions to sharia economic law products that are born in economic ijtihad activities contemporary sharia. Islamic banking, which is growing and developing in the country, is currently increasingly in demand by investors and potential investors. However, the problem is that people do not know how far the performance of Islamic banking is, when compared to the performance of conventional banks which first operated. This study is intended to compare the performance of the two banks, this is important so that investors, potential investors know and assess the performance of the two banks. Assessment of financial performance can be seen from the financial ratios of CAR, ROA, ROE, NPL, LDR, and BOPO. The research population is 14 Islamic commercial banks. The sample using purposive sampling, using 3 Islamic banks, Bank Negara Indonesia (BNI) Syariah, Bank Rakyat Indonesia (BRI) Syariah, Bank Mandiri Syariah and 115 conventional banks. Research data from the annual financial statements of the banks under study. The data analysis technique used the Mann-Whitney U Test. The results showed that there was no significant difference in the CAR ratio between Islamic banks and conventional banks. The ratio of ROA, ROE, NPL, LDR and BOPO there are significant differences between Islamic banks and conventional banks. The financial performance of Islamic banks is better in terms of the LDR ratio, while the financial performance of conventional banks is better in terms of the ratios of CAR, ROA, ROE, NPL, BOPO.
Praktek Gadai Sawah di Kabupaten Bekasi Dalam Perspektif Ekonomi Islam MH Ainulyaqin; Kasuwi Saiban; Misbahul Munir
Jurnal Ekonomi Syariah Pelita Bangsa Vol. 8 No. 01 (2023): JESPB Edisi April 2023
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/jespb.v8i01.258

Abstract

The purpose of this research is to find out the views of the four schools of thought on the implementation of the field pawn system. The study was conducted in Bekasi. The research approach used is qualitative. The results of the study revealed that in terms of the ijab kobul, the implementation of the pawn was in accordance with the provisions of Islamic law even though the ijab kobul was carried out orally in the language of the local community. Meanwhile, regarding other matters regarding rahin and murtahin are also valid in accordance with the provisions of Islamic law because each party is a person who has reached puberty, is reasonable and understands the law. Marhun is also legal according to Islamic law because the rice fields are legal goods to be pawned. With the full use of paddy fields by the recipient of the pawn, this is actually not justified and illegal according to the provisions of Islamic law because there is still an element of taking opportunities in narrowness and unfairness to rahin and of course this is very contrary to the principle of muamalah.
Factors That Affect the Realization of MSME Financing at Sharia Bankaltimtara Samarinda Bambang Iswanto; Rinna Ramadhan Ain Fitriah; Muh Shadiqul Fajri AF; Misbahul Munir
Al-Tijary Vol 8 No 1 (2022): AL-TIJARY VOL. 8, NO. 1, DESEMBER 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i1.5452

Abstract

This research was motivated by the importance of financing the MSME sector based on syariah principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the used method was multiple linear regression analysis. The independent variables were estimated, namely the age of the customer, the level of education of the customer, the length of the business of the customer, the net income per month, the type of business, the composition of venture capital, collateral value, and type of financing contract. Multiple linear regression analysis was tested with the SPSS 23.0 statistical tool. This research finds that there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara, Samarinda, namely the customer's net profit per month and the value of the financing collateral.
Pengaruh Kinerja Driver Terhadap Pendapatan Dengan Variabel Usia Sebagai Moderasi Imam Fahruddin; Misbahul Munir; Indah Yuliana
Jurnal Ilmu Ekonomi Vol. 7 No. 02 (2023): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v7i02.23150

Abstract

The purpose of this study was to determine the effect of performance on income and the role of age in moderating the effect of performance on income. This research was carried out using the MRA (Moderate Regression Variable) approach with a sample of 150 respondents from the entire motorcycle taxi population in Malang. After confirming the validity of the questionnaire data and the classical assumption test, the results of this study can be explained as follows. First, performance has a positive and significant effect on income, meaning that the higher the performance of the drivers, the income of the drivers will increase. Both ages play a role in moderating the performance of the drivers to increase revenue. In the sense that age plays a role in strengthening the influence of the performance of drivers on income.