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All Journal English and Literature Journal TAHKIM Al-Iqtishadiyah: Ekonomi Syariah dan Hukum Ekonomi Syariah Lingue : Jurnal Bahasa, Budaya, dan Sastra Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Indonesia Auditing Research Journal Amal: Jurnal Ekonomi Syariah Mangente: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi dan Manajemen Advantage: Journal of Management and Business IJEIRC IJBLPS Jurnal Intelek Dan Cendikiawan Nusantara Nomico Rangkiang: Journal of Islamic Economics and Business
Arizal Hamizar
Institut Agama Islam Negeri Ambon
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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CHALLENGES IN REGULATION AND OPPORTUNITIES IN SHARIA FINANCIAL MANAGEMENT Arizal Hamizar; Jacsy Tubalawony; Afdhal Yaman; Kamaruddin
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 1 No. 1 (2024): FEBRUARI - MARET 2024
Publisher : PT. Intelek Cendikiawan Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to explore the fundamental concepts of Islamic finance management, its principles, sources of funding, as well as Sharia financial products and innovations available from a theoretical perspective based on related literature. The study also discusses the changing global economic context, the complexity of Sharia financial regulations and standards, and the challenges and opportunities faced in the development of products, human resource education, and social and environmental responsibilities. The research findings indicate that Islamic finance management faces complex challenges and opportunities in dealing with the current dynamics of the global economy. The adoption of information technology and digital innovation has opened up new opportunities to enhance accessibility, operational efficiency, and customer experience in the Islamic finance industry. However, challenges such as regulatory complexity and standards, as well as the need for skilled human resources in Islamic economic principles, remain a primary focus in ensuring the growth and sustainability of the Islamic finance industry.
Quantitative Analysis of the Relationship between Income and Welfare of Tuna Fishermen from the Perspective of Sharia Finance Santi Ode; Arizal Hamizar
Nomico Vol. 1 No. 1 (2024): Nomico - February
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/w1vz2372

Abstract

This study aims to investigate the correlation between income levels and the welfare of fishermen operating in Waitomu Hamlet, Leihitu Subdistrict, Central Maluku Regency; and the relationship between the application of Sharia financial management principles with the income and welfare of tuna fishermen in that area. The research method applied is associative research, with research participants being actively operating fishermen in Waitomu Hamlet. The research approach involves the use of various techniques, including observation, distribution of questionnaires, and document analysis, with data analysis conducted using moment product correlation calculations. The results of the study revealed two main findings. First, the moment product correlation analysis showed a significant positive correlation between fishermen's income and the level of welfare, indicating that increasing income tends to have a positive impact on their welfare. Second, from a financial perspective, the practice of Sharia financial management applied by tuna fishermen in Waitomu Hamlet is considered successful.
PERSPEKTIF EKONOMI ISLAM DALAM PERMINTAAN UANG PERNIKAHAN DI DESA LEKOSULA MALUKU UTARA Asmi Ningsi Umasugi; Arizal Hamizar; Muammar W. Maruapey
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2024): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i2.1025

Abstract

This research aims to describe the Islamic Economic view regarding the demand for wedding money in Lekosula Village and the use of wedding money in related businesses in Lekosula Village. This research was carried out using qualitative methods with a field research approach. Inductive analysis techniques are used to explain specific things and then draw conclusions. The results of the research found that the Islamic Economic View in looking at the demand for wedding money given by the prospective groom to the prospective bride, with a fairly high amount, had a negative impact on both the prospective groom and the prospective bride, where the demand for wedding money was such a high number is never taught in Islamic Sharia. Therefore, Islamic Sharia prohibits anything excessive, Islam only requires a dowry and not wedding money, but wedding money is not prohibited if it does not burden the prospective bridegroom. Other findings show that wedding money has a positive impact on entrepreneurs involved in the wedding event and making significant profits.
ZAKAT SEBAGAI INSTRUMEN SOSIOEKONOMI PADA MASA RASULULLAH SAW La Abdul Zayl; Muammar W. Maruapey; Arizal Hamizar
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2024): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i2.1026

Abstract

The majority of Muslims' understanding of zakat is still limited to the normative dimension. Zakat tends to be understood in a legalistic way and seems to be separated from the main mission of zakat, namely the economic welfare of Muslims. This article aims to describe zakat as a socio-economic instrument during the time of the Prophet Muhammad. Methodologically, this article uses the library research method with data collection techniques through articles, books and other supporting documents. This article confirms that the historicity of zakat is closely related to Islamic efforts to achieve economic balance in society. Initially, this zakat collection was a criticism of economic inequality at that time and therefore, within the minimum limit of a person's wealth reaching 85 grams, he was obliged to pay zakat. The meaning is that the zakat instrument is presented for economic equality and pays attention to eight social groups from economic and theological aspects. The article recommends that contemporary zakat governance pay attention to aspects of sustainable economic improvement for zakat mustahik.
Integrating Green Accounting Into Marketing Strategies For Sustainability Brand Image Among Gen-Z Consumers Arizal Hamizar; Jacsy Tubalawony; Afdhal Yaman; Muammar W Maruapey
Indonesia Auditing Research Journal Vol. 13 No. 1 (2024): March: Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v13i1.234

Abstract

This research aims to explore how Generation Z responds to green accounting practices and its impact on brand image, as well as to formulate appropriate marketing strategies based on these findings. The research method employed is qualitative with a phenomenological approach. Data were collected through in-depth interviews, and data analysis was conducted using a thematic approach to identify thematic patterns emerging from interviews and observations. The results of the study indicate that Generation Z responds positively to green accounting practices, considering it a key differentiator in brand selection. The implementation of green accounting has a positive impact on brand image, with respondents perceiving companies adopting green accounting practices as pioneers and leaders in conducting business responsibly. Subsequently, based on the research findings, formulating marketing strategies that consider sustainability values becomes crucial in meeting the preferences and expectations of Generation Z
Praktik Pemotongan Berat Timbangan pada Akad Jual Beli Cengkeh Kering: Perspektif Bisnis Islam Aidia Umagapi; Arizal Hamizar; Fitria Karnudu
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 1 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i1.795

Abstract

Penelitian ini bertujuan melihat lebih dalam mengenai fenomena jual beli cengkeh kering di Desa Fagudu. Sebagian dari pembeli cengkeh memotong berat timbangan yang sudah ditimbang yang telah menjadi kebiasaan di pasaran. Jenis penelitian yang digunakan dalam penelitian ini adalah jenis penelitian lapangan dengan pendekatan kualitatif. Sebagai single case study, penelitian ini dilaksanakan di Desa Fagudu Kabupaten Kepulauan Sula Provinsi Maluku Utara dengan metode pengumpulan data berupa wawancara, observasi maupun dokumentasi. Data yang diperoleh dianalisis dengan mereduksi data, display data hingga penarikan kesimpulan. Berdasarkan hasil penelitian diketahui bahwa praktik pemotongan berat timbangan pada akad jual beli cengkeh kering di Desa Fagudu dilakukan setelah adanya kesepakatan dari pihak pedagang dan penjual dan dilakukan atas dasar suka sama suka. Dari sudut pandang Ekonomi Islam, praktik pemotongan berat timbangan yang sudah menjadi kebiasaan masyarakat Desa Fagudu ini tidak bertentangan dengan ajaran Islam, karena potongan dilakukan setelah adanya persetujuan atau kerelaan dari kedua belah pihak sehingga tidak ada unsur paksaan di dalamnya.
Peran Label Halal pada Pembelian Air Minum dalam Kemasan: Perspektif Manajemen Bisnis Syariah Siti Nur F. Hatapayo; Fitria Karnudu; Arizal Hamizar
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 8 No 1 (2024)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v8i1.804

Abstract

Penelitian bertujuan untuk mengetahui peran label halal terhadap keputusan pembelian produk Air Minum dalam Kemasan (AMDK) Ayudes di Kota Ambon, dan bagaimana peran label halal dalam tinjauan manajemen bisnis syariah. Penelitian ini dilaksanakan di masyarakat Kota Ambon dan perusahaan AMDK Ayudes dengan menggunakan metode kualitatif. Teknik pengumpulan data yang digunakan berupa observasi, wawancara, dan dokumentasi kepada sejumlah informan yang terlibat secara langsung berkaitan dengan penelitian. Hasil penelitian ini menunjukkan keputusan pembelian air minum kemasan Ayudes di Kota Ambon berdasarkan peran label halal menunjukkan bahwa konsumen tidak memperhatikan pencantuman label halal pada kemasan produk, dan lebih melihat pada kualitas dan lokasi pabrik air minum kemasan tersebut.
Komparasi Efektivitas Strategi Pemasaran Pedagang Kaki Lima Pasar Tradisional: (Studi Kasus Pedagang Keliling Dan Pedagang Tetap) Arizal Hamizar
Advantage: Journal of Management and Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v1i2.17

Abstract

This research examines the effectiveness of marketing strategies employed by mobile and stationary street vendors in traditional markets, considering five main aspects: mobility, visual appeal, customer loyalty, product diversification, and competition. Through a qualitative approach and comprehensive analysis, this study aims to provide in-depth insights into the comparison of these two marketing strategies in the context of traditional markets. The findings reveal that mobile vendors have an advantage in high mobility, enabling them to reach various market areas, while stationary vendors emphasize the importance of a fixed location in building trust and customer loyalty. In terms of visual appeal, mobile vendors tend to be more creative and dynamic, whereas stationary vendors focus on a more permanent arrangement of stalls. Building trust and customer loyalty tends to be easier for stationary vendors due to their stable presence, while mobile vendors need to exert more effort in achieving this. Product diversification is an advantage for stationary vendors, while mobile vendors face limitations due to their high mobility. Both strategies have their respective advantages and disadvantages, and marketing success depends on adapting strategies to the changing dynamics of the market.
Implementasi Strategi Manajemen Transformatif Dalam Pengembangan Kapabilitas Berbasis Manajemen Talenta Pegawai Sunari; Arizal Hamizar
Advantage: Journal of Management and Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v1i2.22

Abstract

Abstract This research aims to analyze how the identification and development of employee talents can be a key aspect in creating a competitive advantage in higher education institutions. Employing a qualitative approach with a case study design, the research focuses on the phenomenon of change in human resources management (HRM) amidst the dynamics of government policies related to the number of employees. The research methodology involves data collection through interviews, observations, and document analysis to comprehend the strategies, talent identification processes, and the implementation of HRM development programs at IAIN Ambon. The research findings indicate that effective talent identification involves the use of various evaluation tools and technologies such as psychological tests, performance assessments, and intelligent HRM systems. Talent development is carried out through professional training, leadership programs, and support for the development of innovative curricula. The utilization of employee talents and skills, integrated with technology, is capable of enhancing the quality of teaching, research, and institutional operations. Abstrak Penelitian ini bertujuan untuk menganalisis bagaimana identifikasi dan pengembangan bakat pegawai dapat menjadi aspek kunci dalam menciptakan keunggulan kompetitif di lembaga pendidikan tinggi. Penelitian ini menggunakan pendekatan kualitatif dengan jenis studi kasus, memfokuskan pada fenomena perubahan dalam pengelolaan sumber daya manusia (SDM) di tengah-tengah dinamika kebijakan pemerintah terkait jumlah pegawai. Metodologi penelitian mencakup pengumpulan data melalui wawancara, observasi, dan analisis dokumen untuk memahami strategi, proses identifikasi bakat, dan implementasi program pengembangan SDM di IAIN Ambon. Hasil penelitian menunjukkan bahwa identifikasi bakat yang efektif melibatkan penggunaan berbagai alat evaluasi dan teknologi seperti tes psikologi, penilaian kinerja, dan sistem manajemen SDM yang cerdas. Pengembangan bakat dilakukan melalui pelatihan profesional, program kepemimpinan, dan dukungan untuk pengembangan kurikulum inovatif. Pemanfaatan bakat dan keahlian pegawai, diintegrasikan dengan teknologi, mampu meningkatkan kualitas pengajaran, penelitian, dan operasional lembaga.
Perilaku Adopsi Cahsless Sebagai Dampak Insentif Keuangan (Cashback, Diskon & Program Loyalitas) Arizal Hamizar; Muhammad R Nacikit; Mohammad H Holle; Kamaruddin
Advantage: Journal of Management and Business Vol. 2 No. 1 (2024): Juni 2024
Publisher : Apik Cahaya Ilmu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61971/advantage.v2i1.31

Abstract

Penelitian ini bertujuan untuk mendalami perilaku konsumen terkait penggunaan pembayaran cashless dan respon terhadap insentif keuangan dalam konteks pasar digital. Fokus utama penelitian adalah untuk mengidentifikasi faktor-faktor yang mempengaruhi keputusan konsumen dalam mengadopsi pembayaran cashless serta mengeksplorasi sejauh mana insentif keuangan seperti cashback, diskon dan program loyalitas dalam mendorong perubahan perilaku konsumen. Metode penelitian yang diterapkan dalam penelitian ini bersifat kualitatif. Teknik pengumpulan data utama adalah wawancara mendalam atau depth interview terhadap informan terpilih. Hasil penelitian menunjukkan bahwa adopsi pembayaran cashless telah meningkat secara signifikan di kalangan berbagai kelompok usia, terutama generasi muda. Insentif keuangan, seperti diskon, cashback, dan program loyalitas, memiliki dampak positif dalam memotivasi konsumen untuk menggunakan pembayaran non-tunai. Pengalaman konsumen terkait dengan program insentif keuangan menyoroti pentingnya desain program yang mudah dipahami dan interaktif.
Co-Authors Afdhal Yaman Aidia Umagapi Andi Masniati Asmi Ningsi Umasugi Baharuddin, Didin Fadli Fendi Malawat Fitria Karnudu H. Rajab Hasan Husin Wattimena Jacsy Tubalawony Jacsy Tubalawony Kamaruddin Kamaruddin Kamaruddin La Abdul Zayl Mohammad H. Holle Muammar W Maruapey Muammar W. Maruapey Muammar Wijayanto Maruapey Muhammad R Nacikit Nahria Latuconsina Santi Ode Siti Nur F. Hatapayo Sunari Syed Ismail Syed Mohamad Triadi Mulyanto