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ANALISIS PRODUK TABUNGAN IB MUAMALAT PRIMA BISNIS TERHADAP SEKTOR RILL PEREKONOMIAN MASYARAKAT (STUDI KASUS PT. BANK MUAMALAT INDONESIA, TBK CABANG BANJARMASIN) Agus Purnomo; Muhammad Rusdiansyah
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 5 No. 1 (2019): JANUARY-JUNE 2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (44.213 KB) | DOI: 10.20473/jebis.v5i1.10625

Abstract

This research is motivated by the researcher who previously conducted the Work Practice in PT.Bank Muamalat Indonesia, Tbk Branch Banjarmasin Years 2016 as Marketing Funding. After knowing the superior Funding Product of Bank Muamalat Indonesia Branch of Banjarmasin ie iB Muamalat Prima Business Savings. The reasercher tries to find out the influence of this Product in addition to beneficial to the Customer but the perceived impact in driving the Customer Business That's where it is. The purpose of this research was undertaken by Benefits of Savings Products iB Muamalat Prima Business as a whole and to determine the effect of Savings Products iB Muamalat Prima Business Against the Rill Sector Field SMEs (Micro Small and Medium Enterprises) community. This research used Qualitative method descriptive qualitative approach. The data obtained then in the form of data information such as observation, interviews, field notes and documentation. For Respondent data source counted to 3 people namely Business Development Manager Funding, Marketing Funding and Customer Service. While informants counted to 5 people namely the Customer Savings Product iB Muamalat Prima Bussiness as entrepreneurs and not entrepreneurs. The results of this research indicate that there is a great influence in mobilizing the Rill Sector of the Economic Community, depending on the Customer itself willing to be used as a transactional tool with business partners or as a Product User Customer.Keywords : Savings Products, Rill Sector, Economy Public.
ISLAM DAN KONSEP WELFARE STATE DALAM EKONOMI ISLAM Agus Purnomo
Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Vol 2, No 2 (2015)
Publisher : Fakultas Studi Islam Universitas Islam Kalimantan Muhammad Arsyad Al Banjary

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (181.055 KB) | DOI: 10.31602/iqt.v2i2.378

Abstract

Welfare state jika diartikan secara harfiah adalah  negara kesejahteraan. Konsep welfare state (welvaartsstaat) atau negara kesejahteraan adalah konsep dimana sebuah negara turut serta dalam kegiatan ekonomi, sosial dan kegiatan lainnya yang mendukung terciptanya kesejahteraan bagi warga negaranya. Konsep ini berkebalikan dengan konsep negara penjaga malam atau nachtwakerstaat dimana terdapat pembatasan terhadap pemerintah terhadap masalah-masalah ekonomi sosial masyarakat, sehingga peran negara hanyalah menegakkan hukum saja dan bukan turut serta menyejahterakan rakyatnya. Bagaimanakah Islam memandang konsep yang diusung oleh kapitalisme tersebutu? Makalah ini ingin mengupas posisi Islam dalam memandang konsep ini.
Sales and Purchases Of Sharia Mutual Funds Impact During Covid-19 Pandemic Atika Zahra Maulida Atika; Agus Purnomo
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol. 6 No. 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v6i1.27815

Abstract

The outbreak of the COVID-19 virus has had an impact on the world economy and the country. The Covid-19 outbreak that has hit the whole world has resulted in countries implementing policies to reduce the spread of the COVID-19 virus by implementing a lockdown, restricting business activities, and banning long-distance travel. In 2020 sharia mutual funds sold 289 portfolios and in 2021 sharia mutual funds sold 295 lots. The development of Net Asset Value performance in sharia mutual fund products from 2015 to 2021 was 74.37%. The existence of the covid 19 virus does not affect the buying and selling transactions of Islamic mutual funds. The research method uses descriptive quantitative methods. In collecting data, the researchers distributed a questionnaire of 100 respondents to investors, investment managers, and the public in South Kalimantan. in 2018 to 2019 the number of investors was 53,735.58 while in 2019 to 2020 the number of investors reached 74,367.44 and from 2020 to 2021 the number of investors was 72,668.70 even though the pandemic was ongoing. Keywords: Sales, Purchases, Sharia Mutual Transactions and covid 19.
Bahasa Inggris Agus Purnomo; Atika Zahra Maulida; Muhammad Arsyad Al Banjari Banjarmasin
Eqien - Jurnal Ekonomi dan Bisnis Vol 11 No 03 (2022): EQIEN- JURNAL EKONOMI DAN BISNIS
Publisher : Sekolah Tinggi Ilmu Ekonomi DR KH EZ Mutaqien

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34308/eqien.v11i03.1101

Abstract

Hajj savings is a product owned by Bank Syariah Indonesia cab Tanjung. Through hajj savings products, Bank Syariah Indonesia collects Hajj funds managed and distributed through sukuk investments (corporate, state, and regional), deposits, sharia stocks, and mutual funds. In 2021, the collection of Hajj funds had increased every year by 35% of the amount of IDR 17,869,510,000,000 hajj funds collected through Bank Syariah Indonesia distributed to state sukuk products to obtain profit or income. So the manager explains that the Hajj fund will be distributed in the type of business, time, and profit sharing. This research method uses a qualitative approach by conducting interviews with the management and Hajj at Bank Syariah cab Tanjung by applying the mudharabah mutlaqah agreement in the distribution and distribution of revenue sharing of the Hajj fund. In determining informants using the purposive sampling method, which consists of 5 informants who will be interviewed about the distribution and calculation of the profit sharing of Hajj funds. In 2020 the Hajj fund collected from the public amounted to IDR 17,890,723,000, - so that Islamic banks as hajj fund managers will distribute the Hajj funds in the form of investment as the following: money market, capital market, construction of facilities and infrastructure, deposits and national sharia valuable certificates (SBSN). Islamic banks will provide a monthly profit sharing of 4%, distributed to Hajj savings customers.
Application and Implementation of ZIS Accounting Based on PSAK 109 at Amil Zakat Institutions (Case Study on Laznas BSM Ummah) Agus Purnomo; Atika Zahra
Maqrizi: Journal of Economics and Islamic Economics Vol 2 No 1 (2022): MAQRIZI: JOURNAL OF ECONOMICS AND ISLAMIC ECONOMICS
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (813.82 KB) | DOI: 10.30984/maqrizi.v2i1.214

Abstract

This study is based on the background and also aims to determine the existence of zakat and infaq accounting reports based on PSAK 109. This study uses qualitative methods, the approach used in this study is descriptive. The method used is samples of accounting data from 2020 and 2021. The subject of this study is LAZNAS BSM Umat and the object of this study is the application and implementation of ZIS accounting based on PSAK 109 at amil zakat institution (case study at LAZNAS BSM Umat). From the result of this study, the appropriate zakat and infaq/shodaqoh accounting report based on PSAK 109, therefore can be a communication medium between amil institution and other parties, because ZIS financial report is a form of operation responsibility from the activity of collection and distribution of zakat, infaq, and sadaqah (ZIS). To be a transparent and accountable financial report, therefore there should be an accounting standard to organize this. For the application of ZIS accounting in the presentation of financial reports at LAZNAS BSM Umat has implemented ZIS accounting regulations issued by the Indonesian Accounting Association (IAI) 2010.
Performance of Indonesia's Sharia Capital Market for the 2022 Period Atika Zahra Maulida; Risda Risdiana; Agus Purnomo
Journal of Islamic Economics and Philanthropy Vol. 5 No. 4 (2023): May
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (512.169 KB) | DOI: 10.21111/jiep.v6i2.9369

Abstract

Islamic capital markets instruments such as stocks, mutual funds, and sukuk are tools to drive economic growth through the capital market sector. The financial sector's performance in the first semester remained stable in 2022. The indicator that is getting stronger in the JCI index is 5.02% or a year-to-date level of 69 11.58 as of June 2022. This article aims to find out the performance of the Indonesian Islamic capital market for the 2022 period. This research uses a qualitative method with a literature review approach regarding the development and growth of sharia capital market performance after Covid-19 pandemic. The result of the discussion for the population has an Islamic majority population, so the capital market industry is expected. To accommodate and collect contributions from Muslim citizens to be active in the stock market, especially the Islamic stock market, and a local investor in the Indonesian Sharia capital market. Realize naturally that investment products are developed following Islamic principles and teachings. The financial sector's performance in the first semester remained stable in 2022. The indicator getting more assertive in the JCI index is 5.02% or a year-to-date level of 69 11.58 at the end of June 2022.
YOUNG ENTREPRENEUR FINANCIAL PLANNING TRAINING (PKPM) DURING THE COVID 19 PANDEMIC Agus Purnomo; S. Purnamasari; Umi Hani; Atika Zahra Maulida
AMALA Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2023): AMALA Jurnal Pengabdian Kepada Masyarakat
Publisher : Faculty of Economics and Islamic Business State Islamic Institute of Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/amala.v2i1.79

Abstract

Wealth is something that is very dharuri in human life, Islam has clearly regulated the management of wealth both personally and publicly. With possessions, humans can meet the needs of life both material and immaterial. The concept of Islamic Financial Planning (Sharia) or Islamic Financial Planning has a universal nature that can not only be applied to entrepreneurs during the Covid 19 virus pandemic so that business actors can plan products and finances when the Covid 19 virus outbreak hits the Indonesian homeland. In financial planning, entrepreneurs are able to provide training and financial preparation when experiencing a decrease in sales or a decrease in income due to the outbreak of the Covid-19 virus which results in a decrease in business performance and a decrease in business performance in financial design in the form of business and non-business. The implementation of this service activity is using training methods on how to prepare financial planning, marketing preparation, preparation of product quality results with the aim of being able to maintain business during the outbreak of the covid 19 virus.The outcome of this service activity is that business actors can plan finances, sales / marketing, and produce quality products that can compete in the market during the disaster of the covid 19 virus outbreak so that, A business that can survive and not suffer losses when a virus outbreak strikes.
Bank Indonesia Syariah Certificate: Encouraging Economic Growth During The COVID-19 Pandemic Agus Purnomo; Atika Zahra Maulida; Siti Fatimah Tuzahra; Dian Ayu Lestari
AL-QARDH Vol 8, No 1 (2023): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v8i1.5748

Abstract

The Bank Indonesia Sharia Certificate (SBIS) is one of the sharia monetary instruments used by Bank Indonesia in formulating monetary policy. The development of SBIS is related to several factors: inflation growth, the economy, and the development of the gross domestic product. This study aims to determine how to implement the Bank Indonesia Sharia Certificate (SBIS) in encouraging monetary economic growth during the Covid-19 pandemic. The slowdown in economic growth and regional economic performance due to the impact of the Covid-19 virus outbreak that attacked the economy resulted in a decline in economic performance. The role of money market products (SBIS) can encourage economic growth and development through Islamic money market transactions.  This research method uses descriptive qualitative research with a library research approach and interviews.  In collecting interview data using the accidental sampling method conducted on Bank Indonesia staff directly at the research location and data on the growth, economy, and development of SBIS during the Covid-19 pandemic. Research results: The Bank Indonesia Sharia Certificate (SBIS) implementation has generally been carried out properly by Bank Indonesia. When Bank Indonesia issues SBIS and sells it to the public, this will cause the money supply in the community to decrease. When the money supply in society decreases, then inflation can be suppressed. When inflation can be suppressed, this will indirectly affect the increase in financing disbursements in Islamic banks. So, it can be concluded that SBIS significantly affects financing distribution in Islamic banking. When financing distribution increases, this will help MSME players affected by Covid-19 in terms of capital. The role of SBIS during the Covid-19 pandemic can stimulate and encourage economic growth performance.
PEMANFAATAN LIMBAH BIJI KARET MENJADI OLAHAN MAKANAN KRIPIK BERNILAI EKONOMIS Agus Purnomo; S. Purnamasari; Abdul Hadi; Atika Zahra Maulida
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i2.42025

Abstract

Banjarmasin merupakan daerah yang memiliki sungai yang luas dan pertanian dan perkebunan. Kalimantan selatan merupakan penghasil perkebunan karet terbanyak di pulau Kalimantan. Setiap hari para petani memetic hasil dari perkebunan karet sebesar 6,7 juta ton karet. Masyarakat Kalimantan selatan mengambil dari hasil pohon karet dalam bentuk getah yang bisa di jual. Adanya limbah biji karet yang tidak dimanfaatkan sehingga, limbah biji karet menjadi busuk dan mencermari lingkungan di sekitarnya. Adanya pemanfaatan limbah biji karet untuk dioleh menjadi olahan makanan yang memiliki nilai jual tinggi. Tujuan pelaksanaan pengabdian kepada masyarakat untuk memberikan pelatihan kepada masyarakat dalam memanfaatkan limbah biji karet dan menambah pendapatan masyarakat petani karet melalui olahan biji karet. Wanaraya adalah salah satu daerah di provinsi Kalimantan selatan kabupaten barito kuala memiliki luas lahan perkebunan karet terbesar di kabupaten barito kuala. Hasil dari perkebunan yang didapatkan di daerah wanaraya seperti:  pohon karet, pohon kelapa sawit, dan padi. Metode pelatihan pembuatan biji karet menjadi olahan makan seperti kripik biji karet dan kacang koro. Dalam pelatihan pembuatan makanan berbahan biji karet sebagai berikut: pertama memilih biji karet yang baru jatuh dari pohon, kedua, memisahkan kulit biji karet dari cangkang buah biji karet, ketiga, merebus daging biji karet, keempat, memisahkan buah biji karet dari kulit ari, kelima, pembuatan kripik dan kacang koro, keenam penjemuran, ketuju pengorengan kripik dan kacang koro, kedelapan pemberian rasa pada kripik dan kacang koro. Adanya pelaksanaan kegiatan ini berupa pelatihan pembuatan makanan ringan berbahan biji karet kepada masyarakat petani karet untuk memberikan peluang usaha dan penambahan pendapatan masyarakat petani karet dalam memanfaatkan limbah biji karet menjadi olahan makanan yang bermanfaat, memiliki nilai jual, menambah pendapatan, dan mengurangi tingkat limbah biji karet yang tidak dimanfaatkan. Banjarmasin is an area that has a large river and agriculture and plantations. South Kalimantan is the largest producer of rubber plantations on the island of Kalimantan. Every day the farmers memetic the yield from rubber plantations amounting to 6.7 million tons of rubber. The people of south Kalimantan take from rubber tree products in the form of sap that can be sold. The existence of rubber seed waste that is not used so that rubber seed waste becomes rotten and pollutes the surrounding environment. Rubber seed waste is used to be obtained into processed food with a high selling value. The purpose of implementing community service is to train the community in utilizing rubber seed waste and increase the income of the rubber farmer community through processed rubber seeds. Wanaraya is one of the areas in the southern Kalimantan province of Barito Kuala regency, which has the largest rubber plantation area in Barito Kuala regency. The results of plantations obtained in the wanaraya area include rubber trees, oil palm trees, and rice. Training methods for making rubber seeds into processed foods such as rubber seed chips and koro beans. In training on making food made from rubber seeds, as follows: first, choose rubber seeds that have just fallen from the tree. Second, separate the rubber seed skin from the shell of the rubber seed fruit. Third, boil the rubber seed flesh. Fourth, separate the rubber seed fruit from the epidermis. Fifth, the manufacture of chips and koro beans. The sixth is drying, the aiming of chips frying and koro beans, and the eighth gives flavour to the chips and koro beans. The implementation of this activity is in the form of training on making snacks made from rubber seeds for the rubber farmer community to provide business opportunities and increase. The income of the rubber farmer community in utilizing rubber seed waste into processed foods that are useful, have selling value, increase income, and reduce the level of rubber seed waste that is not used.
ANALISIS PERSPEKTIF EKONOMI ISLAM PADA USAHA BUSANA MUSLIM Akhmad Fiqri Maulana; Agus Purnomo
Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Vol 3 No 2 (2023): Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA)
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimesha.v3i2.219

Abstract

Pemeriksaan ini bermaksud untuk memuaskan eksistensi manusia. Diantara kebutuhan adalah pekerjaan dan barang-barang yang dapat memberikan keuntungan bagi manusia, baik bagi dirinya maupun bagi orang lain. Keuntungan ini merupakan salah satu kebutuhan manusia atau disinggung sebagai nilai uang dalam sudut pandang masalah keuangan. Menurut ilmu ekonomi, ada tiga jenis kebutuhan: Primer,Sekunder,Tersier. Sedangkan kebutuhan sesuai aturan Islam dalam gagasan Maqashid Syariah disebut Daruriyat, Hajiyat, dan Tahsiyat. Dalam ekonomi Islam, istilah "kebutuhan darurat" mengacu pada kebutuhan dasar seperti Sandang, Pangan dan Papan. Salah satu syarat Ekonomi yang merujuk ke Pakaian. Pakaian adalah salah satu kebutuhan yang wajib untuk manusia, karena pakaian melibatkan atau insentif keuangan untuk daya tahan manusia. Biasanya, pakaian melindungi tubuh dari luka bakar akibat panasnya matahari dinginnya cuaca. Kebutuhan ini harus dipenuhi untuk menjaga keamanan dan perkembangan keberadaan manusia, baik di dunia ini maupun di akhirat. Dalam keyakinan Islam, tujuan pakaian tidak hanya untuk melindungi tubuh tetapi juga untuk menutupi aurat sebagai tanda ketaatan kepada Allah. Indikasi ketakwaan kepada Allah dalam pakaian mengandung akhlak dan kemampuan gaya dalam keberadaan manusia. Tata krama berpakaian adalah cara berperilaku yang baik dan buruk dari orang-orang dalam kegiatan publik (muamalah). Kata Kunci: Perspektif, Pakaian, Ekonomi, Islam, Allah