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All Journal ULUL ALBAB Episteme: Jurnal Pengembangan Ilmu Keislaman IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Istinbath: Jurnal Hukum dan Ekonomi Islam Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Journal of Enterprise and Development (JED) Jurnal Ekonomi Epistemé: Jurnal Pengembangan Ilmu Keislaman
Baiq Elbadriati
Universitas Islam Negeri Mataram
Religion Arts Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences

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KRITIK TERHADAP IMPLEMENTASI AKAD MURABAHAH DI LEMBAGA KEUANGAN SYARIAH (Studi Kasus Pada Bank Umum Syariah Kota Mataram) Baiq El Badriati
IQTISHADUNA Vol. 8 No. 2 (2017): Desemeber 2017
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.984 KB) | DOI: 10.20414/iqtishaduna.v8i2.398

Abstract

Murabahah adalah salah satu akad jual beli bernilai tijarah yangmempunyai nilai keuntungan. Akad murabahah merupakan akadyang paling populer dan digemari oleh masyarakat Indonesia.Murabahah menjadi “idaman” di lembaga keuangan syariahkarena profil risiko untuk pembiyaan jenis ini cenderung lebih kecildibandingkan dengan pembiayaan yang lain seperti mudharabahdan musyarakah. Namun terdapat catatan mengenai pembiayaanmurabahah ini, di antaranya bahwa sistem margin pada pembiayaanmurabahah, mudah disalahartikan sebagai konsep “kredit syariah”oleh masyarakat awam. Di sisi lain, secara makro, pembiayaan jenisini membuat nuansa moneter menjadi lebih menonjol dibandingkansektor riil, karena pembiayaan murabahah pada umumnya bersifatkonsumtif, sehingga tidak sesuai dengan cita-cita ekonomi Islamyang menuntut keseimbangan antara sektor moneter dan sektorriil.
PELUANG DAN TANTANGAN LITERASI PASAR MODAL SYARIAH DI MATARAM Ahmad Amir Aziz; Baiq Elbadriati
istinbath Vol 18 No 1 (2019): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (338.012 KB) | DOI: 10.20414/ijhi.v18i1.148

Abstract

Tingkat literasi pasar modal syariah secara nasional masih sangat minim, dibandingkan dengan literasi sektor keuangan lainnya, tidak terkecuali di daerah. Penelitian ini bermaksud menelusuri peluang yang ada dan hambatan yang muncul, dengan mengambil kasus di kota Mataram, untuk kemudian dihasilkan model literasi pasar modal syariah. Hasil studi menunjukkan, dengan berkembangnya trend syariah dan dukungan DSN-MUI dan OJK, peluang berkembangnya literasi cukup kuat. Minat investasi masyarakat dan keterlibatan aktif civitas akademika kampus, merupakan faktor penentu lainnya. Sedangkan tantangan terbesarnya adalah belum adanya persepsi yang positif di kalangan masyarakat atas keberadaan pasar modal syariah itu. Model literasi yang ada selama ini seperti sekolah pasar modal dan seminar dapat dikembangkan lagi dengan jenis dan bentuk literasi yang lebih sesuai dengan kelompok sasaran sehingga menghasilkan komunitas yang well-literated.
SONGKET SUBHANALE WEAVING PRODUCTIVITY IN FORMING THE ECONOMIC INDEPENDENCE OF SASAK WOMEN Baiq El Badriati; Nur Syam; Sirajul Arifin
istinbath Vol 20 No 2 (2021): Desember 2021
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v20i2.385

Abstract

Research on the productivity of Songket Subhanale weaving in forming Sasak women’s Economic Independence was carried out because of the researchers’ interest in the reality of weaving culture in Sukarara, Central Lombok. Sukarara Village is one of the villages that is still sustainable in carrying out the authentic traditions of Sasak culture. One of them is the culture of weaving in the Sasak term “nyesek” which is done manually by hand and simple tools but has economic value and the output has a high selling potential. The above reality is scientifically studied through qualitative research with an ethnographic approach to obtain definite and academically accountable answers. Qualitative ethnographic research provides an opportunity to examine holistically and specifically, related to the behavior, attitudes and characters inherent in the weavers in their daily activities. The findings in this study refer to two things as formulated in the research problem formulation, namely: 1) The productivity of Muslim songket weavers in Sukarara in carrying out their profession as songket weavers, they are very productive, this is illustrated through several indicators, namely: increased results achieved, ability doing the job, morale, self-development, quality / quality, efficiency, and effectiveness. 2) The implications of work ethic and productivity on the economic independence of Muslim songket weavers in Sukarara have been realized through several indicators, namely: working capitalists, breadwinners/family breadwinners, having confidence in business, able to manage finances, mentally prepared for financial disturbances, creative and initiative , and partners/husbands in synergy by prioritizing mutual respect between each other and having a commitment to complement each other.
IMPLIKASI NILAI-NILAI ETIKA PADA BISNIS PERSPEKTI F AL-QUR’AN DAN AL-HADITS Baiq el-Badriaty
JURNAL PROFIT Vol 2, No 1 (2018): Islamic Business Ethics and Globalization
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v2i1.551

Abstract

Etika bisnis merupakan kajian ilmu normatif dalam khazanah keilmuan ekonomi, terlebih ekonomi Islam.Etika bisnis dalam implementasinya memiliki enam pilar antara lain tauhid, keseimbangan, kehendak bebas, tanggung jawab, keadilan dan kejujuran, sebagai solusi dalam melaksanakan kegiatan bisnis baik untuk pelaku usaha, masyarakat maupun lingkungan sekitar. Etika Islam merupakan  nilai-nilai yang disusun untuk perbuatan manusia yang telah digariskan oleh wahyu Allah SWT guna mengatur kehidupannya agar dapat mencapai tujuan keberadaannya di dunia ini dengan sebaik-baiknya.  Fungsi etika bisnis menjadikan cermin bagi para pelaku usaha untuk menjadi lebih baik atau lebih buruk. Etika bisnis Islam mengajarkan manusia untuk memiliki spirit of trust sebagaiman yang  telah dipraktekkan oleh Rasulullah Muhammad SAW.
Analisis Permintaan dan Perilaku Konsumen Fintech Syariah Model Crowdfunding Lilik Rahmawati; Iqbal Tanjung; Baiq el Badriati
JURNAL PROFIT Vol 2, No 1 (2018): Islamic Business Ethics and Globalization
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v2i1.552

Abstract

Pengetahuan dan pemahaman terkait permintaan dan perilaku konsumen bagi seorang manajer atau produsen adalah hal yang sangat penting terutama di era digital. Pada tulisan ini, selain membahas tentang konsep permintaan dan perilaku konsumen penulis juga membahas terapan konsep permintaan dan perilaku konsumen pada industri fintech dalam skema crowdfunding syariah. Crowdfunding syariah adalah sebuah bisnis yang memanfaatkan platform sebagai medianya untuk pengumpulan dana sekaligus pendanaan bagi individu, kelompok atau organisasi dengan prinsip syariah. Preferensi konsumen di era digital telah mengalami pergeseran. Konsumen menginginkan kecepatan, kenyamanan, biaya yang lebih murah, dan kemudahan penggunaan layanan keuangan. Manajer atau pengusaha di bidang industri fintech dalam skema crowdfunding syariah harus mampu beradaptasi terhadap pergeseran preferensi konsumen dengan cara terus menerus melakukan inovasi
Perspective of Small Medium Enterprises in West Nusa Tenggara on export plans Riduan Mas'ud; Muhammad Azizurrohman; Khairul Hamim; Baiq Elbadriati; Supiandi Supiandi
Journal of Enterprise and Development (JED) Vol. 4 No. 1 (2022)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri (UIN) Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i1.5157

Abstract

Purpose — The purpose of this study is to investigate how Small Medium Enterprises (SMEs) react to their plans to engage in export activities, particularly in the province of West Nusa Tenggara (NTB).Research method — The method used in this research is descriptive quantitative by distributing questionnaires to respondents containing multiple choice and open-ended questions.Result — This study found that the majority of SMEs have been export-oriented. They want to export for a variety of reasons, including expansion of their business network, international market demand, increased company revenues, and availability of suitable raw materials. Lack of extensive overseas markets/networks, lack of understanding of export procedures, and lack of adequate Human Resources seem to be one of the reasons given by SMEs who say NO or do not want to carry out export activities (HR).Significance/contribution/recommendation — In terms of the issues covered, this study differs from others. The majority of research focuses solely on the impact of SMEs and their export prospects. Meanwhile, the focus of this research is on SMEs' responses when it comes to organizing their product export efforts.
ETHNOGRAPHIC STUDY OF SONGKET WEAVERS IN SUKARARA VILLAGE Baiq El Badriati; Nur Syam; Sirajul Arifin
Epistemé: Jurnal Pengembangan Ilmu Keislaman Vol 17 No 01 (2022)
Publisher : Sayyid Ali Rahmatullah Tulungagung State Islamic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/epis.2022.17.01.27-43

Abstract

This article addresses the intersection between gender, ethnicity, work performance, and economic capital. It focuses on Sasak Muslim women who weave songkets and their economic capital in Sukarara Village, Central Lombok. This article using an ethnographic approach focused on economic capital of songket weaver. The behavior, attitudes, and personalities that are inherent in weavers in their daily operations are examined holistically and particularly through qualitative research. This study found that Sasak Muslim women who weave songket fabric in Sukarara are in good performance due to their ability to use time wisely and complete tasks quickly and effectively. They are economically capable based on a lack of consumer debt, their capacity in business, their possession of investments, their ability to manage business finances, and their mental readiness for monetary turbulence. In this framework, Sasak Muslim women’s economic capital in songket weaving is separated into three roles: as the center of the family, as vehicles for personal fulfillment, and as wives.
TESTING THE RELIGIOSITY LEVEL AS A MODERATING VARIABLE TOWARDS THE PRODUCTIVITY LEVEL AND THE ECONOMIC INDEPENDENCE OF WOMEN SONGKET WEAVERS Baiq Elbadriati; Sabrang Gilang Gemilang; Vici Handalucia
ULUL ALBAB Jurnal Studi Islam Vol 23, No 2 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i2.17729

Abstract

The article examines the effect of productivity level towards the economic independence of women songket weavers and their religiosity level as a moderating variable. The research was conducted in Sukarara Village, Central Lombok, NTB Province, Indonesia, by involving 1,791 women songket weavers in the area. Cluster random sampling technique was applied, and the data were analyzed quantitatively using several tests, namely instrument research, classic assumption, Moderated Regression Analysis (MRA) or interaction and statistic tests. The data processing reveals that the level of productivity significantly influences the economic independence variable. However, the religiosity level does not moderate the relation of the productivity level and economic independence of women songket weavers when making personal and mutual decisions. The significance value is 0.998 alpha 0.05, which indicates the existence of a moderation homologizer or potential moderation. Religiosity in this research is homogenous and influences no variable. It means that most of the women songket weavers have the similar level of religiosity; thus, it cannot affect their productivity level and economic independence.
Assessing performance of Mawar Emas as a mosque-based Islamic financing program Supiandi Supiandi; Risky Angga Pramuja; Sri Budi Cantika Yuli; Muhammad Yakub; Baiq El Badriati
Journal of Enterprise and Development (JED) Vol. 4 No. 2 (2022)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri (UIN) Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i2.6500

Abstract

Purpose — This research aims to assess the performance of the Mawar Emas program since its inception.Method — This descriptive qualitative research involves several types of respondents such as mosque administrators, Chairperson of the Masyarakat Ekonomi Syariah (MES), MES Secretary, and beneficiaries. Data obtained through in-depth interviews were processed using reduction, display, triangulation and conclusion techniques.Result — Using primary and secondary data and qualitative research techniques, the authors found that the Mawar Emas initiative supported 32 mosques in West Nusa Tenggara, totaling 1,194 prospective debtors. In terms of funding, the Mawar Emas program has a yearly budget of Rp. 1,275,000,000. However, these funds have not been used to their full potential since the program's inception. There was a decrease in funding and absorption of funds in the program's second year. Several aspects of this program must be evaluated, including increased funding, defaults, training delivery, outdated data, and the presence of profit-oriented institutions.Contribution — This study contributes by providing performance of a mosque-based Islamic financing program to reduce dependency on conventional moneylenders.
Potential of ornamental fish businesses on consumer tastes (case study in pohgading village, peringgabaya district, east lombok district) Arsonariya Arsonariya; Baiq Elbadriati
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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

Abstract

This research is about the potential of the ornamental fish business on consumer tastes in Pohgading Village, Pringgabaya District. The aim of this research is to describe the potential of the fish business on consumer tastes in Pohgading Village, both in terms of the types of ornamental fish marketed, the marketing system and also the profits obtained. The method used is a qualitative approach, there are nine informants who are used as references in collecting information, (1). Ornamental fish business owner, (2). Pohgading Village Head, (3). People who have been involved in the ornamental fish business, (4). Society, (5). Ornamental Fish Trader, (6) Ornamental Fish Trader, (7). Ornamental Fish Trader, (8). The researcher himself has been involved in the ornamental fish business. The research results show that the ornamental fish business in Pohgading Village has the potential to influence consumer tastes, the community as consumers welcomes them in a friendly manner and has an interest in ornamental fish starting from their various shapes and colors, supported by a large ornamental fish market and suitable geographic location, The pH of the water is right for the ornamental fish business and also a strategic marketing location, this has resulted in many retail traders appearing. However, the ornamental fish business encountered major obstacles during the Covid-19 pandemic. In minimizing and preventing this outbreak, the government issued policies to be adhered to by all Indonesian citizens, so that during the new normal period, several ornamental fish traders had gone out of business and there were some who were still surviving. and get up again.
Co-Authors Ahmad Amir Aziz Arsonariya Arsonariya Azizurrohman, Muhammad Iqbal Tanjung Khairul Hamim Lilik Rahmawati Muhammad Yakub Nur Syam Nur Syam Riduan Mas’ud Risky Angga Pramuja Sabrang Gilang Gemilang Sirajul Arifin Sirajul Arifin Sri Budi Cantika Yuli Supiandi Supiandi Vici Handalusia Husni