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All Journal JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia At-Taqaddum Shirkah: Journal of Economics and Business Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Abdi Insani Journal of Digital Marketing and Halal Industry Al-Mashrof: Islamic Banking and Finance Jurnal Rekognisi Ekonomi Islam (JREI)
Al Haq Kamal
Universitas Alma Ata
Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences

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Analisis Faktor-Faktor Yang Mempengaruhi Minat Berwirausaha Santri Pondok Pesantren Kamal, Al Haq; Thoyyibah, Nasirothut
At-Taqaddum Vol 12, No 1 (2020)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v12i1.5330

Abstract

This research is aimed to find out the factors such as the social media, surrounding, intelligence, personality, and individual motivation influenced to entrepreneurship interest of students of Al Munawwir Islamic boarding school, Q complex. This type of research is quantitative descriptive. Data sources in this research are primary data in questionary and secondary data likes the number of student and history of Al Munawwir Islamic boarding school, Q complex, Yogyakarta. Population in this research is female students Al Munawwir Islamic boarding school, Q complex, Yogyakarta. The Sample obtained with sampling quota technique that sample total is 63 students.The result indicate that the social media, intelligence, personality, and individual motivation have positive influence on the entrepreneurial interest of students. Only the environment doesn’t effect the student entrepreneurial interest in the Al Munawwir Islamic boarding school, Q complex, Yogyakarta.
PENGARUH LOKASI, PELAYANAN, DAN PROSEDUR PENCAIRAN PEMBIAYAAN TERHADAP KEPUTUSAN ANGGOTA KOPERASI MENGAMBIL PEMBIAYAAN Al Haq Kamal; Septi Wulandari
Jurnal Iqtisad Vol 5, No 1 (2018): Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v5i1.2212

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui hal-hal yang mempengaruhi keputusan anggota koperasi mengambil pembiayaan. Rumusan masalah dalam penelitian ini adalah pengaruh lokasi, pelayanan, dan prosedur pencairan pembiayaan secara parsial berpengaruh terhadap keputusan anggota koperasi mengambil pembiayaan di KSPS KUM3 Al Istiqomah. Dan juga pengaruh lokasi, pelayanan, dan prosedur pencairan pembiayaan secara simultan berpengaruh terhadap keputusan anggota koperasi mengambil pembiayaan di KSPS KUM3 Al Istiqomah.            Metodologi penelitian ini menggunakan kuantitatif. Metode yang digunakan ialah uji asumsi klasik dan analisis regresi berganda. Teknik pengumpulan data yang digunakan dengan cara wawancara terhadap manajer KSPS KUM3 Al Istiqomah dan anggota koperasi sebagai responden dengan mengisi kuesioner. Responden dalam penelitian ini adalah anggota koperasi yang mengambil pembiayaan di KSPS KUM3 Al Istiqomah yang berjumlah 68 orang atau anggota dengan bantuan software SPSS untuk menganisis data dan pengujian hipotesis.            Hasil penelitian menunjukkan bahwa faktor lokasi tidak berpengaruh signifikan terhadap keputusan anggota koperasi mengambil pembiayaan. Namun untuk faktor pelayanan dan prosedur pencairan pembiayaan mempunyai pengaruh yang signifikan terhadap keputusan anggota koperasi mengambil pembiayaan di KSPS KUM3 Al Istiqomah. Kata kunci:  pelayanan, prosedur pencairan pembiayaan, dan keputusan anggota. AbstractThis study aims to determine the things that affect the results of cooperatives. The problem formulation in this research is the influence of location, service, and process to develop in KSPS KUM3 Al Istiqomah. And also affect the location, service, and process to develop in KSPS KUM3 Al Istiqomah.This research methodology uses quantitative. The method used to test and multiple regression analysis. Data processing techniques used by interviewing KSPS manager KUM3 Al Istiqomah and members of the cooperative as respondents by filling out the questionnaire. Respondents in this study are members of KSPS KUM3 Al Istiqomah faced by 68 people or members with the help of SPSS software to analyze data and payment of hypothesis.The result of the research shows that the location factor has no significant effect on the member decision of the cooperative to take the financing. However, for the factors and the liquefaction process is one of the most influential on the results of KSPS KUM3 Al Istiqomah. Keywords: service, financing disbursement, and member decisions.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Berwirausaha Santri Pondok Pesantren Al Haq Kamal; Nasirothut Thoyyibah
At-Taqaddum Vol 12, No 1 (2020)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v12i1.5330

Abstract

This research is aimed to find out the factors such as the social media, surrounding, intelligence, personality, and individual motivation influenced to entrepreneurship interest of students of Al Munawwir Islamic boarding school, Q complex. This type of research is quantitative descriptive. Data sources in this research are primary data in questionary and secondary data likes the number of student and history of Al Munawwir Islamic boarding school, Q complex, Yogyakarta. Population in this research is female students Al Munawwir Islamic boarding school, Q complex, Yogyakarta. The Sample obtained with sampling quota technique that sample total is 63 students.The result indicate that the social media, intelligence, personality, and individual motivation have positive influence on the entrepreneurial interest of students. Only the environment doesn’t effect the student entrepreneurial interest in the Al Munawwir Islamic boarding school, Q complex, Yogyakarta.
Impact of Service Quality and Application of Sharia Principles on Consumer Intention of Sharia Hotel Al Haq Kamal; Abdul Salam; Ageng Asmara Sani; Prabumadya Brojosetami; Tyagita Dianingtyas Sudibyo
Journal of Digital Marketing and Halal Industry Vol 3, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2021.3.2.8269

Abstract

This research aims to measure and analyze the influence of quality of service and the application of sharia principles to consumers at Syariah Hotel Limaran. The data used in this study is primary data. Although the method of data collection used is simple random sampling with a sample of 60 customers of Syariah Limaran hotel, this research also uses observation, questionnaires, and documentation. The data analysis techniques in this study are descriptive analysis tests, multiple linear regression tests, partial (t) tests, simultaneous tests (f), and determinant coefficients (r2). Results obtained based on t and f test results produce a significant value of 0.05. Then the R Square value of 0.461 indicates that an independent variable can affect dependent variables by 46.10%. While other variables outside this study explain the remaining 53.90%. The study concludes that the quality of service and the application of sharia principles affect consumers' intention in Sharia hotels.
DO THE DISTRIBUTION OF ZAKAT AND ISLAMIC BANK FINANCING AFFECT INCOME INEQUALITY IN INDONESIA? Al Haq Kamal; Ratih Purbowisanti; Ageng Asmara Sani; Kusumaningdyah Retno Setiorini
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 5, No 1 (2021)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (486.572 KB) | DOI: 10.29313/amwaluna.v5i1.5854

Abstract

This study aims to reveal empirically the extent to which Islamic economics contributes to Indonesia's economic equality. This study uses zakat distribution indicators and financing of Islamic banks as an instrument of income distribution in Islamic economics; GINI coefficients are indicators for measuring income inequality and using panel data with a cross-section of 12 provinces in Indonesia the 2011-2016 period. This study found that the distribution of zakat has a negative effect on income inequality and Islamic bank financing has a positive effect on income inequality.
PELATIHAN PENGELOLAAN BISNIS SYARIAH PADA PELAKU UMKM DI DESA WISATA BANJARAN Febrian Wahyu Wibowo; Abdul Salam; Ahmad Yunadi; Al Haq Kamal; Rusny Istiqomah Sujono; Baiq Ismiati; Mu’inan Rafi; Abi Suryono; Abdullah Yahya
Jurnal Abdi Insani Vol 10 No 2 (2023): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v10i2.866

Abstract

The emergence of MSMEs or new businesses in an area, this certainly makes business competition. Business competition triggers business people to make strategies in business management in order to have good performance. In Islam, the Prophet is a role model for doing business in an Islamic way. His success in managing a business can be used as a lesson that needs to be applied in doing business today. It is hoped that the application of Sharia business values in their business, by providing training programs related to Sharia business management, is hoped to provide understanding and instill Sharia Business values in MSME actors. The purpose of carrying out this activity is to provide insight and understanding regarding good business management from a Sharia point of view, bearing in mind that in the Banjaran Kaluahan Guwosari tourist village there are many MSME actors and the great potential that exists in the area. The technical training method is interaction between participants and presenters and presenting case study materials on problems in MSMEs so that the material presented can be directly applied by the participants and of course it is easier to understand. This activity was carried out in stages by giving direct seminars to MSME actors and providing strategic practices delivered by all speakers. During the implementation of the event, there were many problems faced by MSME actors, especially in terms of business management. At the end of the event, several things were found that could later be developed by MSME actors and the community in the Banjaran Tourism Village, Kalurahan Guwosari, as follows; Development of Educational and Historical Tourism Villages, Creation of Sharia corner websites for Sharia business consulting media by MSME actors, Implementation of advanced training to maximize the plans that have been formed, and Creation of joint accounts as a forum for investment and paid marketing fees for MSME actors in Banjaran Tourism Village. This activity is sustainable and can unravel various other problems that exist in the Banjaran Tourism Village, Kalurahan Guwosari so that existing problems can be resolved properly and get maximum results.
Analysis of Paylater Customer Intentions in E-Commerce with the Planned Behavior Method Theory Approach Al Haq Kamal; Mohammad Tahir Cheumar; Hasanah Hasanah; Tyagita Dianingtyas Sudibyo
Al-Mashrof: Islamic Banking and Finance Vol 4, No 1 (2023): Al-Mashrof: Islamic Banking and Finance
Publisher : Universitas Islam Negeri Raden Intan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mashrof.v4i1.17485

Abstract

This study aims to examine the effect of attitudes on behavior, subjective norms, perceived behavioral control, behavioral intentions, and behavior in implementing the shopee paylater payment system (buy now pay later) in generation Z in Caturtunggal, Depok, Sleman, Yogyakarta. This research is descriptive quantitative. The population in this study is generation Z with criteria ranging from 18 years to 30 years who have or are currently buying products at e-commerce shopee using the paylater payment system. The sampling technique used purposive sampling with a total sample of 100 respondents. The type of data used is primary data obtained by distributing questionnaires through questionnaires. The data analysis technique used is the Partial Least Square (PLS) approach using Smartpls 4 software. The results of the research based on the analysis of the regression coefficients (t-statistics and p-value) show that the attitude variable has a negative and insignificant effect on the behavioral intention variable. subjective norm variable has a negative and insignificant effect on behavioral intention variable. the variable perceived behavioral control has a negative and insignificant effect on the behavioral intention variable. perceived behavioral control variables have a positive and significant effect on behavioral variables. Then the behavioral intention variable has a positive and significant effect on the behavior variable or generation Z behavior.
Understanding Consumer Behavior: Halal Labeling and Purchase Intentions Ageng Asmara Sani; Dini Rahmayanti; Al- Haq Kamal; Dunyati Ilmiah; Norhayati Binti Abdullah
Journal of Digital Marketing and Halal Industry Vol 5, No 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jdmhi.2023.5.1.16543

Abstract

The rapid growth of the Muslim community in the world certainly increases the demand for halal products. This causes halal products to become a necessity. This dynamic needs to be supported by state authorities' guarantee of halal products. This study provides an overview of the role of Halal labelling in influencing individuals to consume Halal products based on their levels of religiosity, knowledge of Halal products, and attitudes towards consuming such products. Additionally, the sampling focus of this study was on Java Island, where access to information technology is widespread, facilitating ease of access to relevant information regarding Halal products. A quantitative approach was employed in this research, utilizing primary data obtained by distributing questionnaires to the residents of Java Island. The construction of the research model is reflected in an adjusted R-squared value of 54.50%, indicating that the independent variables significantly influence the dependent variable. Based on the findings of this research, both knowledge and attitudes have a positive and significant impact on the intention to consume Halal products, whereas religiosity does not. The study recommends that the government consider streamlining and reducing the costs associated with Halal labelling to make it more accessible to micro-scale producers. These measures are expected to support the development of the Halal product market and foster sustainable economic growth.
Purchase Decision on Halal Products among Female Muslim: Evidence from Indonesia Rusny Istiqomah Sujono; Wawan Wiyandi; Febrian Wahyu Wibowo; Ahmad Yunadi; Al Haq Kamal; Ardy Wibowo; Abdul Salam
Shirkah: Journal of Economics and Business Vol 8, No 3 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i3.555

Abstract

So far, limited research has analyzed the factors influencing female's decisions to purchase halal products. The purpose of this study was to determine how religiosity, product quality, price, brand, and halal knowledge affect the decision-making process of Islamic female students when purchasing halal-certified products. The study employed quantitative research methods, employing a questionnaire distributed through Google Forms for data collection. The study's population comprised all female students at Pondok Pesantren Al Munawwir Yogyakarta Indonesia. The sampling technique employed the Slovin formula, resulting in a research sample of 91 respondents. Data analysis involved classical assumption tests, multiple linear regression, partial tests (t-tests), simultaneous tests (F-tests), and the determination coefficient (R²). The findings indicated that religiosity, price, and halal knowledge negatively influenced female's purchasing decisions for halal products. Conversely, product quality and brand positively influenced these decisions. The study highlights that consumers, especially female students, prioritize brands and product quality when deciding to purchase halal products. Consequently, producers of halal products need to prioritize and enhance product quality.
Pengaruh Harga Kredibilitas Religiusitas Kualitas Produk dan Kualitas Layanan Terhadap Minat Transaksi pada Produk Paytren di Kota Yogyakarta Al Haq Kamal; Ahmad Yunandi; Fahmi Muqoddas Saputra
Jurnal Rekoginisi Ekonomi Islam Vol. 1 No. 1 (2022): Jurnal Rekognisi Ekonomi Islam Volume 1 No 1 Februari-Juli 2022
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v1i1.91

Abstract

The development of the use of applications or non-cash payment instruments (fintech) received special attention by Bank Indonesia. The development of non-cash payments is expected to reduce the burden of using cash which will further increase the efficiency of the economy in society. The purpose of this study was to determine how the effect of price, credibility, religiosity, product quality, and service quality on the interest in Paytren product transactions in Yogyakarta City. This research is important because researchers want to see how developments in the 4.0 era, especially developments in the fintech field. This research method uses descriptive quantitative research methods. In this study, researchers used primary data, where primary data was obtained by distributing questionnaires using Google Form and then filled in by respondents with a population of partners or agents or users of the Paytren payment application in Yogyakarta City, with a total sample of 100 respondents. The variables of this study are 6 variables each with 5 dependent variables (x) including price, credibility, religiosity, product quality, and service quality and 1 independent variable (y), namely transaction interest. The data is then processed using theapproach Partial Least Square (PLS)and using the Smartpls version 3.0 software. By using the method above, the results of this study based on regression coefficient analysis (t-statistic and p-value) show that price has a positive but insignificant effect, credibility has a positive and significant effect, religiosity has a negative and insignificant effect, product quality and service quality have a positive effect. and significant to transaction interest. Then the r-square analysis resulted in 69% of the variable (x) in this study affected the variable (y) and the rest was influenced by other variables (x).
Co-Authors Abdul Salam Abdullah Yahya Abi Suryono Ahmad Yunadi Ahmad Yunandi Ardy Wibowo Baiq Ismiati Dini Rahmayanti Dunyati Ilmiah Fahmi Muqoddas Saputra Febrian Wahyu Wibowo Febrian Wahyu Wibowo Hasanah Hasanah Kusumaningdyah Retno Setiorini Mohammad Tahir Cheumar Mu’inan Rafi Nasirothut Thoyyibah Norhayati Binti Abdullah Prabumadya Brojosetami Purbowisanti, Ratih Rusny Istiqomah Sujono Sani, Ageng Asmara Septi Wulandari Thoyyibah, Nasirothut Tyagita Dianingtyas Sudibyo Tyagita Dianingtyas Sudibyo Wawan Wiyandi