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<![CDATA[Perbandingan Kebutuhan Modal Kerja ]]>
<![CDATA[wawan devis wahyu]]>;
<![CDATA[Dafiar Syarif]]>;
<![CDATA[Rezki Agrisa Ditama]]>;
<![CDATA[Mursal Mursal]]>
<![CDATA[ I-Finance Journal Vol 7 No 2 (2021): I-FINANCE: a Research Journal on Islamic Finance ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia ]]>
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DOI: 10.19109/ifinance.v7i2.10877
<![CDATA[Tujuan penelitian ini adalah untuk mengetahui dan menganalisis kecukupan modal kerja dan menganalisis besarnya kebutuhan modal kerja di PDAM Tirta Mayang Kota Jambi dan PDAM Tirta Sakti Kabupaten Kerinci 2013-2017. Metode yang digunakan adalah Komparatif. Hasil penelitian ini dilihat dari analisis tabel menunjukkan bahwa analisis kebutuhan modal kerja pada PDAM Tirta Mayang Kota Jambi dan PDAM Tirta Sakti Kabupaten Kerinci mengalami fluktuasi selama 5 tahun terakhir. Pada 2015 analisis kebutuhan modal kerja terbesar PDAM Kota Jambi dengan angka Rp36.725.261.051,55, sedangkan pada 2017 analisis kebutuhan modal kerja terbesar PDAM Kabupaten Kerinci dengan angka Rp13.589.692.686,57. Pada 2013 analisis kebutuhan modal kerja PDAM Kota Jambi adalah yang terkecil dengan angka Rp 22.484.602.508,19, sedangkan pada 2014 analisis kebutuhan modal kerja PDAM Kabupaten Kerinci adalah yang terkecil dengan angka Rp5.573.143.108,43. Dengan rata-rata kebutuhan modal kerja untuk PDAM Kota jambi adalah sebesar Rp23.661.204.073,25 dan Rp7.568.176.762,16 untuk PDAM Kabupaten Kerinci.]]>
<![CDATA[HELAH DAN HYBRID CONTRACTS (al-’UKUD al-MURAKKABAH)PADA PRODUK KEUANGAN SYARI’AH PERSPEKTIF FIQH MUAMALAH ]]>
<![CDATA[Mursal Mursal]]>;
<![CDATA[Yuserizal Bustami]]>
<![CDATA[ Islamika : Jurnal Ilmu-Ilmu Keislaman Vol. 17 No. 2 (2017): Islamika : Jurnal Ilmu-ilmu Keislaman ]]>
Publisher : <![CDATA[Lembaga Penelitian dan Pengabdian pada Masyarakat, Institut Agama Islam Negeri (IAIN) Kerinci, Jambi ]]>
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DOI: 10.32939/islamika.v17i2.206
<![CDATA[Seiring pesatnya kemajuan zaman, lembaga keuangan syariah harus bisa memenuhi kebutuhan bisnis modern dengan menyajikan produk-produk inovatif dan lebih variatif serta sesuai syariah. Tantangan ini menuntut para praktisi, regulator, konsultan, dewan syari‟ah dan akademisi bidang Ekonomi Islam untuk kreatif merespon perkembangan tersebut. Solusi yang diberikan ialah dengan penggabungan beberapa akad (multi akad/hybrid contracts). Akad dalam lembaga keuangan syariah tidak lagi sesederhana seperti yang ada dalam kitab fiqh klasik tapi bertransformasi menjadi akad-akad hybrid dan bertingkat-tingkat. Oleh karena akad-akad muamalah sederhana/klasik tersebut pada dasarnya bukan akad yang dapat diterapkan dalam sistem keuangan modern maka diperlukan upaya-upaya untuk mentransformasikan akad-akad tersebut sehingga aplikatif dalam sistem keuangan Islam. Yang menjadi permasalahan dalam penelitian ini adalah apa saja produk lembaga keuangan syariah yang menggunakan helah dan hybrid conracts (al-‟ukud al-murakkabah) dan Bagaimanakah perspektif fiqh mauamalah mengenai helah dan hybrid conracts (al‟ukud al-murakkabah). Inovasi pengembangan produ ksyariah melalui FATWA DSN MUI hybrid contract smerupakan keniscayaan untuk memenuhi kebutuhan akan produk transaksi di bidang keuangan syari‟ah, hybrid contracts yang ada pada produ kkeuangan syariah mendapat legitimasi dari FATWA DSN MUI. Namun ada beberapa dalil yang secara khusus menerangkan tentang penggabungan beberapa akad dalam beberapa konteks saja seperti menggabungkan jualbeli dengan jualbeli (bay al-‟inah), bay dengan qarddan lain sebagainya. Dari beberapa produk keuangan syariah ada sebagian hybrid contracts yang bertentangan dengan nash dan lebih identik kepada helah ziyadahribawi, sepertiga dari ema smenggunakan akad rahndanijarah, talangan haji menggunkan akad qarddanijarah, dan di pasar komudita ssyariah lebih menyerupai bay al-„inahataupuntawaruqmunazom yang menjadi helahribawi.]]>
<![CDATA[Welfare Beneficiary Community BUMDes Karya Dermawan Dusun Dalam Village ]]>
<![CDATA[Muhammad Fauzi]]>;
<![CDATA[Asa'ari Asa'ari]]>;
<![CDATA[Arzam Arzam]]>;
<![CDATA[Mursal Mursal]]>;
<![CDATA[Zufriani Zufriani]]>;
<![CDATA[Aidil Novia]]>;
<![CDATA[Dafiar Syarif]]>
<![CDATA[ International Journal of Social Science and Business Vol. 5 No. 3 (2021): August ]]>
Publisher : <![CDATA[Universitas Pendidikan Ganesha ]]>
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DOI: 10.23887/ijssb.v5i3.38621
<![CDATA[Dusun Dalam Village Government established a Village-Owned Enterprise (BUMDes) Karya Dermawan is a policy utilization. The main pillar was established BUMDes Karya Dermawan in accordance with the mandate of the objectives whose activities were oriented to encourage the welfare of the village community. Therefore, this study was conducted aimed at looking at the welfare provided by BUMDes Karya Dermawan Dusun Dalam village especially to the beneficiary community and compare the level of welfare before and after BUMDes Karya Dermawan was established. This study uses a descriptive quantitative approach, and data sourced from primary data by using Paired Sample t-Test as a data analysis tool. This study shows that BUMDes Karya Dermawan provides welfare to the beneficiary communities through businesses that have been established including Cooperatives; Alsintan; and Workshop, which is directly able to change or succeed in providing an increase in welfare for the beneficiary community after the establishment of BUMDes as evidenced by the results of the Paried Sample t-Test analysis. With this evidence of success, for all elements should give intensive attention; so that the development of BUMDes Karya Dermawan exists even more as a driver of community welfare. And also, integratedly invites and becomes a valuable lesson for existing villages to establish BUMDes or villages that already have BUMDes, but have not succeeded in providing a common thread for the welfare of their citizens.]]>
<![CDATA[Moral Homo Islamicus (Islamic Man) Dalam Konteks Ekonomi Islam Modern ]]>
<![CDATA[Mursal Mursal]]>;
<![CDATA[Arzam Arzam]]>;
<![CDATA[Zufriani zufriani]]>;
<![CDATA[Muhammad Fauzi]]>
<![CDATA[ Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI ]]>
Publisher : <![CDATA[ITB AAS INDONESIA Surakarta ]]>
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DOI: 10.29040/jiei.v8i2.4849
<![CDATA[This study aims to analyze the assumptions of Islamicus' ideas (theories/concepts) in the context of modern society's behavior which undergoes many changes in preferences which are not adequately described by Homo Economicus which negates morals in conception and makes Self Interest as the goal of maximizing utility. The idea of Homo Islamicus allows it to be collided with modern conditions to find assumptions that are in accordance with the realities that exist in the context of the modern economy. The research uses a literature study (Libarary Research), using Content Analysis as a data analysis tool. This study shows that the idea of Homo Islamicus internalizes the moral and rational portion at a proportional level, oriented to the benefit of the general public which is balanced with the interests of Daruriat Nafsh guided by religious morals. The rational choices made by Homo Islamicus reflect a moral attitude that applies basic axiom values and principles in the form of Tawhid, Equilibrium, Free Will, Respontability, and Justice which makes decisions about the best choices without ignoring existing values. Thus, morality becomes the rail (track) of the rules of the game from rationality in making a choice in the modern Islamic economic arena]]>
<![CDATA[Pelayanan Prima pada Nasabah Lansia di Bank 9 Jambi ]]>
<![CDATA[M Mursal]]>;
<![CDATA[S Sipuldi]]>;
<![CDATA[Muhammad Fauzi]]>;
<![CDATA[Topan Alparedi]]>;
<![CDATA[Defiar Syarif]]>
<![CDATA[ Jurnal Informatika Ekonomi Bisnis Vol. 3, No. 4 (2021) ]]>
Publisher : <![CDATA[SAFE-Network ]]>
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DOI: 10.37034/infeb.v3i4.98
<![CDATA[Excellent service is the main thing that must always innovate in meeting customer needs. In the competitive banking world, direct contact with service is very important because customer satisfaction is a reflection of the quality of service. This study describes excellent service to the elderly who have several obstacles such as hearing loss, low education levels, communication barriers, which must receive special attention in service. The method in this study uses a descriptive qualitative type, then the results of the study show that excellent service has been implemented for the elderly with various strategies that have been implemented such as using regional languages for elderly customers who have problems understanding banking terms in transactions.]]>
<![CDATA[Pengaruh Harga Kayu Manis Terhadap Kesejahteraan Petani Ditinjau Dalam Aspek Religiusitas ]]>
<![CDATA[Nopita Sari]]>;
<![CDATA[Dafiar Syarif]]>;
<![CDATA[Muhammad Fauzi]]>;
<![CDATA[Mursal Mursal]]>
<![CDATA[ Jurnal Iqtisaduna Vol 7 No 2 (2021) ]]>
Publisher : <![CDATA[Universitas Islam Negeri Alauddin Makassar ]]>
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DOI: 10.24252/iqtisaduna.v7i2.25648
<![CDATA[Isu-isu yang menyebar bahwa eksistensi kayu manis di Kabupaten Kerinci sudah menjadi pentas pasaran global. Hampir semua kayu manis yang di produksi Indonesia berasal dari Kabupaten Kerinci. Penghasil kayu manis terbesar di Kabupaten Kerinci berada pada bagian wilayah Kecamatan Gunug Raya. Lebih kurang 12 (dua belas) Desa di wilayah Kecamatan Gunug Raya mempunyai lahan kebun kayu manis yang sangat luas. Harapan bagi para petani dengan berkebun kayu manis dapat berkontribusi bagi ekonomis dan kesejahteraan mereka. Dari sini, penelitian dilakukan bermaksud melihat pengaruh harga kayu manis terhadap tingkat kesejahteraan petani petani di tinjau dalam aspek religiusitas, dan juga melihat pengaruh pendapatan dalam memoderasi hubungan harga kayu manis dengan tingkat kesejahteraan petani di tinjau dalam aspek religiusitas. Penelitian ini menggunakan penelitian kuantitatif, dan data diambil dari sumber data primer, dengan model regresi linier sederhana digunakan sebagai alat analsis data. Hasil penelitian menunjukkan bahwa variabel harga kayu manis berpengaruh positif terhadap kesejahteraan petani ditinjau dari asepk religiusitas. Sementara hasil analisis variabel pendapatan petani sebagai variabel moderator, tidak memoderasi hubungan antara harga kayu manis dengan kesejahteraan petani ditinjau dari aspek religiusitas.]]>
<![CDATA[Examining Nature and Forest Tourism in the Era of the Covid-19 Pandemic on Sumatra Island ]]>
<![CDATA[Hardiansyah Tambunan]]>;
<![CDATA[Doli Witro]]>;
<![CDATA[Ilma Amalia]]>;
<![CDATA[Muhamad Izazi Nurjaman]]>;
<![CDATA[Mursal Mursal]]>
<![CDATA[ Jurnal Pariwisata Nusantara (JUWITA) Vol. 1 No. 2 (2022): Jurnal Pariwisata Nusantara (JUWITA) ]]>
Publisher : <![CDATA[PROGRAM STUDI PARIWISATA SYARAH, FAKULTAS EKONOMI DAN BISNIS ISLAM, UNIVERSITAS ISLAM NEGERI MATARAM ]]>
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DOI: 10.20414/juwita.v1i2.5352
<![CDATA[Purpose: The aims of this study is to describe and analyze what happened to nature and forest tourism on the island of Sumatra in general during the covid-19 pandemic. Methods: This study uses a qualitative method with a literature research design. Data analysis techniques used are data reduction, data presentation, and drawing conclusions. Results: The results show that the nature and forest tourism sectors in North Sumatra, West Sumatra and Aceh have not been able to boost tourism back to its normal level. The social distancing policy is the main cause of the sluggish tourism activity on the island of Sumatra. Contribution: This research is expected to be able to provide a solution to the sluggish tourism sector during the COVID-19 pandemic.]]>
<![CDATA[Factors Influencing Decisions to Purchase Counterfeit Fashion Products: Brand Image, Price and Lifestyle (Literature Review Customer Behavior) ]]>
<![CDATA[Wawan Novianto]]>;
<![CDATA[Ali Marzuki Zebua]]>;
<![CDATA[Mursal]]>
<![CDATA[ Journal of Law, Politic and Humanities Vol. 1 No. 4 (2021): (JLPH) Journal of Law, Politic and Humanities (August 2021) ]]>
Publisher : <![CDATA[Dinasti Research ]]>
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DOI: 10.38035/jlph.v1i4.73
<![CDATA[Previous research or relevant research is very important in a research or scientific article. Previous research or relevant research serves to strengthen the theory and phenomena of the relationship or influence between variables. This article reviews the factors that influence purchasing decisions for counterfeit fashion products, namely: brand image, price and lifestyle, a literature study of consumer behavior. The purpose of writing this article is to build a hypothesis of the influence between variables to be used in further research. The results of this literature review article are: 1) brand image influences purchasing decisions for counterfeit fashion products; 2) price has an effect on purchasing decisions for counterfeit fashion products; and 3) lifestyle influences purchasing decisions for counterfeit fashion products.]]>
<![CDATA[Analisis Strategi Pengembangan BMT Agam Madani di Banuhampu, Kabupaten Agam ]]>
<![CDATA[Dafiar Syarif]]>;
<![CDATA[Delli Ridho Hayati]]>;
<![CDATA[Mursal Mursal]]>;
<![CDATA[Suci Mahabbati]]>;
<![CDATA[Muhammad Fauzi]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i2.1265
<![CDATA[This study aims to identify internal and external factors of Baitul Maal Wat Tamwil Agam Madani in Banuhampu districts. The problem in this study is to see the strategy for developing Baitul Maal Wat Tamwil. The data that is used in this study uses primary data that has been collected using question and analyzed using internal and external factor analysis also SWOT quantitative analysis, SWOT stage assumptions the effective strategy that maximize strengths and opportunities and minimized weaknesses and threats. The finding of this research showed that BMT (1) Development strategy through improving the quality of human resources owned by BMT, (2) Development strategy through improving the quality of organizational management, (3) Development strategy through providing infrastructure and technology needed in service. This study also revealed that in the strategy for improving the quality of organizational management other strategies are quite important for future BMT development.]]>
<![CDATA[A Sociological Approach to Consumer Protection in E-Commerce Transactions During the Covid-19 Pandemic ]]>
<![CDATA[Dena Ayu]]>;
<![CDATA[Mursal Mursal]]>;
<![CDATA[Putri Jianti]]>;
<![CDATA[Doli Witro]]>;
<![CDATA[Rifqi Nurdiansyah]]>
<![CDATA[ Khazanah Hukum Vol 4, No 3 (2022): Khazanah Hukum Vol 4, No 3 November (2022) ]]>
Publisher : <![CDATA[UIN Sunan Gunung Djati ]]>
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DOI: 10.15575/kh.v4i3.18690
<![CDATA[This article uses a sociological approach to discuss consumer protection in the sales system through e-commerce during the covid-19 pandemic. This study aims to provide legal certainty to consumers by highlighting consumer protection laws and the role of the government in protecting people who make transactions in e-commerce. This article is juridical-normative research. This article uses qualitative data that is a literature study. In this case, two types of data are used: primary and secondary data. Primary data includes Law Number 8 of 1999 concerning Consumer Protection. At the same time, secondary data is obtained from library sources such as books, scientific articles, theses, dissertations, research reports, internet websites, and other data sources. Miles et al. used the qualitative data analysis technique, namely data condensation, data presentation, and concluding. The analysis results show that the consumer protection law does not only apply to consumers but to everyone who transacts in it. Consumer protection is very much needed to maintain security and provide convenience for sellers and buyers in carrying out economic transactions in the covid-19 pandemic. The role of law in consumer protection following the Consumer Protection Law Number 8 of 1999 provides efforts to ensure legal certainty to protect consumers.]]>
