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THE CONCEPT OF WEALTH IN ISLAM PERSPECTIVE OF THE WORD MAL VERSION OF THE MINISTRY OF RELIGION OF THE REPUBLIC OF INDONESIA IN THE QUR'AN AND ITS TAFSIR Khairul Hamim; Riduan Mas’ud
International Journal of Islamic Khazanah Vol 9, No 2 (2019): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (876.838 KB) | DOI: 10.15575/ijik.v9i2.19679

Abstract

Wealth in Arabic is called mal (mufrad) amwal (jama'). This word with its various derivations is repeated 86 times in 38 surahs in the Qur'an. Wealth is an important part of life that cannot be separated and is always sought to be achieved and owned by humans. For this reason, a clear explanation is needed that can be accepted by all parties. This study uses an interpretation research method by analyzing the word Mal in the version of the Indonesian Ministry of Religion in the Qur'an and its Tafsir. This study formulates that property is everything that is owned in the form of material and can be used to support life (wasilah al-hayah), such as housing, vehicles, equipment, gold, silver, land, animals, even in the form of money, and has value. for the human view.
Bibliometric Analysis of Journals, Authors, and Topics Related to Halal Tourism Listed in the Database Scopus by Indonesian Authors Riduan Mas’ud; Khairul Hamim
Khazanah Pendidikan Islam Vol 4, No 2 (2022): Khazanah Pendidikan Islam
Publisher : Pascasarjana UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (682.997 KB) | DOI: 10.15575/kp.v4i2.19677

Abstract

This study examines the current state of articles on halal tourism written by Indonesian authors and published in journals in the Scopus database. This study outlines traits, popular publications, writers, and subjects related to halal tourism. The Scopus database was used in this study along with bibliometric design analysis to find 65 articles by Indonesian writers that were linked to halal tourism. In August and September of 2021, data collection was done. To explain trends in Indonesian writers from articles, authors, and themes relevant to halal tourism, data were analyzed using Vosviewer and search results in the Scopus database. According to the study's findings, Indonesian authors have published more journal articles about halal travel in the Scopus database over the past few decades. Several publications with Scopus indexes have published articles on Halal tourism written by Indonesian authors. The most viewed journals are Islamic Marketing, and Abror is the author who contributes to the most articles in these publications. Indonesian authors do the most accurate writing on halal tourism, and difficulties with travel locations predominate.
Troubled Financing Rescue Strategy in Musyarakah Financing: PT. Sharia NTB Bank Riduan Mas’ud
Khazanah Hukum Vol 4, No 2 (2022): Khazanah Hukum Vol 4, No 2 August (2022)
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (379.698 KB) | DOI: 10.15575/kh.v4i2.19676

Abstract

This study aims to evaluate the strategy undertaken by PT. Bank NTB Syariah in dealing with problems in musyarakah financing both in terms of policy and law. This research is descriptive qualitative research. The data in this study were obtained through an interview process with leaders from PT. Bank NTB Syariah and the analyst section of Bank NTB Syariah. Based on the results obtained, it can be concluded that PT. Bank NTB Syariah faces several problems, including weak supervision, availability of human resources, untrustworthy customers, customers who retire early, unstable weather, stalled project terms, customer death, not optimal Collateral, covid-19, to natural disasters. Steps that need to be taken by PT. Bank NTB Syariah is restructuring all aspects of financing. In addition, transaction systematics needs to be improved periodically
Revenue sebagai Mediator Pembiayaan Murabahah, Mudharabah, Musyarakah, Ijarah terhadap ROA dengan Revinue sebagai Variabel Mediasi pada Bank Umum Syari'ah Tahun 2017-2020 Riduan Mas'ud; Muhammad Jalaluddin
el-Jizya : Jurnal Ekonomi Islam Vol. 10 No. 1 (2022): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (573.946 KB) | DOI: 10.24090/ej.v10i1.6631

Abstract

The purpose of this aims to examine whether those four types of financing respectively impact ROA, revenue, and ROA through revenue at Islamic Commercial Banks in 2017-2020. This quantitative associative study analyzes data using the SPSS version 25 program. Also, SOBEL, a macro developed by Andrew F. Hayes which is integrated with SPSS, is used for testing the mediation effect. The population includes all Islamic Commercial Banks with samples of Islamic banks performing the transaction of the four financings are Bank Muamalat Indonesia, Bank Mandiri Syariah, BNI Syariah, BRI Syariah, Bank Jabar Banten Syariah, BCA Syariah, and Bukopin Syariah. The study shows that those financings simultaneously have a positive effect on ROA and revenue. In addition, revenue is able to mediate the influence of murabahah, mudharabah, and ijarah financing on ROA, but it fails to mediate musyarakah. This study concludes that the four financings are the factors that can affect the rise and fall of the ROA value and revenue of Islamic banks from the distribution of financing. Keywords: murabahah; mudharabah; musyarakah; ijarah; roa; revenue ABSTRAK Tujuan dari penelitian ini adalah untuk menguji apakah keempat jenis pembiayaan tersebut masing-masing mempengaruhi ROA, pendapatan, dan ROA melalui pendapatan pada Bank Umum Syariah tahun 2017-2020. Studi kuantitatif asosiatif ini menganalisis data dengan menggunakan program SPSS versi 25. Juga, SOBEL, makro yang dikembangkan oleh Andrew F. Hayes yang terintegrasi dengan SPSS, digunakan untuk menguji efek mediasi. Populasi dalam penelitian ini adalah seluruh Bank Umum Syariah dengan sampel Bank Syariah yang melakukan transaksi keempat pembiayaan tersebut adalah Bank Muamalat Indonesia, Bank Mandiri Syariah, BNI Syariah, BRI Syariah, Bank Jabar Banten Syariah, BCA Syariah, dan Bukopin Syariah. Hasil penelitian menunjukkan bahwa pembiayaan tersebut secara simultan berpengaruh positif terhadap ROA dan pendapatan. Selain itu, pendapatan mampu memediasi pengaruh pembiayaan murabahah, mudharabah, dan ijarah terhadap ROA, namun gagal memediasi musyarakah. Penelitian ini menyimpulkan bahwa keempat pembiayaan tersebut merupakan faktor-faktor yang dapat mempengaruhi naik turunnya nilai ROA dan pendapatan bank syariah dari penyaluran pembiayaan.
Does Temperature Matter? Case Study of International Tourist Arrivals in Indonesia Supiandi Supiandi; Muhamad Zaril Gapari; Muhammad Azizurrohman; Riduan Mas’ud; Putrawan Habibi
AS-SABIQUN Vol 4 No 5 (2022): NOVEMBER
Publisher : Pendidikan Islam Anak Usia Dini STIT Palapa Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36088/assabiqun.v4i5.2068

Abstract

Climate is one of several elements that can impact tourist decisions when deciding where to go on vacation. The climate of a country can influences the desirability of a trip in either a favorable or bad way. However, few studies look at the impact of temperature on tourist decisions, particularly in Indonesia. The purpose of this research is to demonstrate the impact of temperature on the arrival of foreign tourists in Indonesia. In the period 2017-2019, the authors used panel data from 168 countries of origin of tourists. To ensure that the research findings were consistent, all models were used, including the Ordinary Least Square, Fixed Effect Model, and Random Effect Model. The findings reveal that the temperature of a tourist's home country has a detrimental impact on their arrival in Indonesia. GDP per capita and the population of the nation of origin have a beneficial effect on foreign tourist arrivals as control factors. Distance, on the other hand, has a detrimental impact.
The Mawar Emas Program for Fighting Moneylenders Riduan Mas'ud; Jamaliah Said; Muhammad Azizurrohman
Shirkah: Journal of Economics and Business Vol 8, No 1 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i1.520

Abstract

The Mawar Emas Program, a program aimed at countering moneylenders in West Nusa Tenggara, Indonesia, has been running for two years. However, there is insufficient research to evaluate its effectiveness, requiring further analysis. This qualitative study evaluates the performance of this program since its establishment. The study's respondents were mosque administrators, the Chair and Secretary of the NTB Sharia Economic Community (MES), beneficiaries, and banks. Each respondent was interviewed to collect data related to the Mawar Emas program. The study found that the program has aided 32 mosques in West Nusa Tenggara, benefiting a total of 1,194 potential borrowers. The Mawar Emas program has an annual budget of Rp. 1,275,000,000; however, these funds have not been fully utilized. Funding and absorption of funds decreased in the program's second year. Several program elements require evaluation, such as increased funding, default rates, training delivery, obsolete data, and profit-oriented institutions. The study's findings contribute to facilitating MES's ability to assess and improve the program.
AN ISLAMIC PERSPECTIVES, THE CURRENT STATE OF INDONESIA IN THE GLOBALIZATION ERA Mas'ud, Riduan; El-badriati, Baiq; Azizurrohman, Muhammad
An-Nisbah: Jurnal Ekonomi Syariah Vol 9 No 2 (2022): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v9i2.5701

Abstract

Abstract: Countries must be able to compete due to the high global intensity of trade and agreements. As a first step in dealing with this, many countries employ economic concepts that are tailored to their specific circumstances. The goal of this research is to look at the role of Islamic economics in dealing with the onslaught of economic globalization, such as China's Belt Road Initiative (BRI), and multi-sectoral institutions like the IMF and the World Bank. The literature research approach used in this paper is qualitative using literature review method. The results of this study found that the Indonesian government was in the midst of a powerful wave that required strong captains and ships. In other words, the existence of BRI, IMF and World Bank will be a threat if they are not controlled properly. As a result, the government has to divert this funding to productive areas such as agriculture. Furthermore, given China's concentration on Islamic banking, Indonesia may be able to persuade China to involve the Indonesian people in developing its products. Furthermore, the Indonesian government must be able to read every step taken by BRI, IMF, and World Bank so as not to be trapped in debt investment. Keywords: Islamic economic, belt road initiative, IMF, worldbank
Strategi PT. Bank NTB Syariah dalam Mengatasi Pembiayaan Musyarakah Bermasalah Masa Covid-19 Morry Sumbawa Sary; Riduan Mas’ud; Muh. Azkar
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 6 No 2 (2023): Article Research Volume 6 Number 2, Juni 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v6i2.1255

Abstract

Penelitian ini bertujuan untuk mencari strategi alternatif dalam mengatasi permasalahan dalam pembiayaan musyarakah di Bank NTB Syariah, khususnya pada era gempa Nusa Tenggara Barat dan pandemi Covid-19 di Indonesia. Penelitian ini menggunakan analisis kualitatif deskriptif. Pengumpulan data dilakukan melui wawancara, observasi dan dokumentasi. Analisis data dilakukan dengan tahapan reduksi data, penyajian data dan penarikan kesimpulan. Hasil penelitian ini menemukan bahwa penyebab terjadinya masalah pembiayaan Musyarakah adalah lemahnya pengawasan terhadap nasabah yang mendapatkan dana. Dari sudut pandang eksternal, nasabah yang tidak amanah, nasabah terjerat hukum, penurunan pendapatan usaha, pensiunan dini, nasabah meninggal dunia, serta bencana alam dan non alam dalam hal ini gempa bumi 2018 dan Covid 2019. Upaya atau strategi untuk mengendalikan risiko kerugian yang terjadi dari nasabah pembiayaan musyarakah bermasalah Bank NTB Syariah adalah dengan restrukturisasi pembiayaan untuk berbagai jenis nasabah dan kondisi.
FACTORS AFFECTING INTENTION TO VISIT HALAL TOURISM CITY: A SURVEY TO FIVE HALAL TOURISM DESTINATION IN INDONESIA Julina Julina; Riduan Mas’ud; Desrir Miftah; Mahyarni Mahyarni; Fakhrurrozi Fakhrurrozi
International Conference on Business Management and Accounting Vol 1 No 1 (2022): Proceeding of International Conference on Business Management and Accounting (Nov
Publisher : Institut Bisnis dan Teknologi Pelita Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35145/icobima.v1i1.2847

Abstract

Tourism travel now has been a lifestyle of most community. Recently, halal tourism has received a lot of attention from various parties. The Indonesian government has determined several provinces as Halal tourism destination areas (Nusa Tenggara Barat (NTB), Nanggroe Aceh Darussalam (NAD), Sumatera Barat, DKI Jakarta, and Jawa Barat). This study attempts to examine the factors that influence the intention to visit that city. Data was collected using a questionnaire distributed using google form. The sampling technique used is purposive sampling. A total of 396 data are eligible for further analysis using SEM-AMOS. The results of the study found that the variables that influence attitudes and intentions to visit halal tourism vary between halal tourism areas. Variables that have a consistent effect are found in subjective norms where the results are positive and significant on attitudes and intentions. On the other hand, none of the halal tourism areas found a significant effect of PBC on intentions.