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Muhammad Kambali
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jurnalaliqtishod@gmail.com
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+6282245049710
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hambali236@gmail.com
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Jl. Raya Menganti Krajan No.4747 Menganti Gresik
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INDONESIA
AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Published by STAI Al-Azhar Menganti Gresik
ISSN : 24076600     EISSN : 27458512     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
The scope of AL-IQTISHOD are but strictly limited to: Sharia economy Sharia business Sharia management Sharia finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 8 Documents
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Search results for , issue "Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam" : 8 Documents clear
Persepsi Perbandingan Keunggulan Pembiayaan Mudharabah Dan Murabahah Oleh Nasabah Lembaga Keuangan Mikro Islam BMT Azhar Alam; Sanitra Septiana; Afief El Asfahany; Raisa Aribatul Hamidah
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.538

Abstract

This study aims to explore perceptions of the comparative advantage of mudharabah and murabahah financing from the customer side of Islamic microfinance institutions. This study uses an approach using field data in the case study of BMT Alfa Dinar, Karanganyar, Central Java, Indonesia. The data in this study were obtained from 10 customers or customers of murabahah and mudharabah financing, which were taken directly using observation, question and answer, and documentation techniques. The collected data is then analyzed in terms of content, abstracted, and presented. The results of this study are that customers have different perceptions about the advantages of mudharabah and murabahah financing. This perception is seen from various perspectives, including risk, margin, transparency period, and work system. Mudharabah has the advantage of being more reliable than Murabaha. Meanwhile, Murabaha has the advantage of fixed profits or tends to be stable, and if agreed, it cannot be changed. This Murabaha contract is different from the mudharabah, whose profits tend to be unstable. This study recommends increasing business management literacy with mudharabah contract financing to maximize the benefits of Islamic microfinance institutions and customers.
Islamic Banks In Muslim Countries And Indonesia Desmadi Saharuddin; meirison meirison
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.577

Abstract

This article aims to provide an overview of Islamic banking, which has shed light on Muslims in avoiding usury with inflation and oppression. The negative impact of cartels can be reduced. Suppose traditional banks have only one way to work, interest-bearing loans, although in many forms. The problem inherent in Islamic banking activities is whether they can be separated from the influence of conventional banks in various activities carried out, given the interrelationships between Islamic banks and traditional banks. By conducting a literature study, we analyzed banking data contained in documents, books, and journals using a qualitative approach using descriptive analysis methods. We try to provide an interpretation of the work of Islamic banks operating in various Islamic worlds and Indonesia. We found Islamic banks to be less compliant with the fatwas and instructions given by the existing Islamic boards. We find that Islamic banks have difficulty complying with shari'ah rules because they are constrained by the conventional banking financial system full of usurious Mu'amalah. Constrained by capital from the central bank, high operating costs, investment problems in the real sector, risk of loss and others. The focus of this research is the causes of the condition of Islamic banks in the Islamic world, which are trapped in a Ribawi labyrinth
Analisis Faktor Yang Memengaruhi Intensi Menggunakan Fintech Syariah: Studi Empiris Generasi Milenial Tangerang Raya Elif Pardiansyah; Najmudin Najmudin; Ahmad Fatoni
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.603

Abstract

Indonesia has experienced a significant increase in internet penetration over the past decade. The implications of increasing internet penetration have an impact on business patterns in various industrial lines. Financial technology (fintech) is proof of the implementation of a financial system by delivering more efficient financial services. Fintech has an important role in financial intermediation and helps the daily lives of almost all people in the world. Fintech has changed the way consumers conduct financial transactions. This study aims to find out what factors underlie behavioral intentions to use sharia fintech in the millennial generation in Tangerang Raya. This study uses the technology acceptance model (TAM) and accommodates a new variable, namely religiosity. The sampling technique used purposive sampling so that a total sample of 237 respondents was obtained online using the Google form. This study was analyzed using multiple linear regression using SPSS 22 software. The results of this study indicate that the intention to use the millennial generation of sharia fintech in Tangerang Raya is influenced by the perceived usefulness factor with a P-value of 0.00 <0.05, and the Islamic religiosity variable with a P-value of 0.00 <0.05. Meanwhile, perceived ease of use does not have a significant effect on the intention to use fintech at the sig 5% level with a p-value of 0.197 > 0.05.
Strategi Bauran Pemasaran 4P Produk Gadai Emas pada Pegadaian Syariah Nuris Tishwanah; Rasyid Abi Sandi; Nurul Auliyah Bakri
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.610

Abstract

This study aims to determine the most appropriate marketing mix strategy to be used and applied in Sharia pawnshops to increase the sales volume of gold pawn products. This research uses a qualitative research method with a SWOT analysis approach because it is based on an assumption that states that an effective strategy can maximize the opportunities and strengths that exist in product suau, one of which is gold pawn products in Sharia pawnshops. Then further analysis is carried out using EFAS and IFAS techniques and the results will be outlined in a cartesius diagram. The results of the SWOT analysis state that gold pawn products at Sharia pawnshops are in quadrant I expansion, which means that sharia pawnshops are in prime condition which allows them to expand, achieve maximum progress, and increase growth. This research focused on gold pawn products in Sharia pawnshops that are in great demand by the public.
Analisis Pengembangan Pariwisata Halal Pada Destinasi Taman Wisata Laut Desa Labuhan, Kecamatan Sepulu, Kabupaten Bangkalan, Madura Kurniyati Indahsari; Retno Dwi Wulandari
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.631

Abstract

The study purpose was to confirm the Marine Tourism Park condition with the halal tourism development based on the DSN-MUI Fatwa. This was a qualitative descriptive research using phenomenology. While previous researches were focused on the tourism components condition only or their conformity with criterias of Global Muslim Muslim Travel Indeks, this research was focused on the tourism components condition, including Attraction, Amenity, Accessibility, and Hospitality as well as their conformity with the DSN-MUI Fatwa. The results show that Marine Tourism Park can be developed into halal tourism. The Attraction, namely its uniqueness, benefits, security, cultural development, and attractions, are meet the Fatwa. The discrepancy in is in the cleanliness, comfort as well as the presence of adultery. The Amenity, namely the availability of facilities are meet the fatwa. The discrepancy is in the damage of some facilities and the lack of worship, security and clean water facilities. While all Hospitality components are meet the Fatwa, all Accessibility components are not. This research novelty is the recommendations on tourism sub components which should be fulfilled by The Marine Tourism Park to become a Halal tourism
Pemetaan Riset Akuntansi Zakat: Analisis Bibliometrik Kiki Hardiansyah; Viya Fatwa Nurmalasari; Lisa Aslamiah; Najwa Rahmadina; Risma
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.741

Abstract

This study aims to determine the extent of the development of zakat accounting research by reviewing various literature. This research is here to fill the gap in the bibliometric research of zakat, which is still very limited. The method used is qualitative with bibliometric analysis using VOSViewer. The results showed that 42 articles related to zakat accounting were published in international journals, spanning 2015-2022. These articles have been published regularly in the last eight years (2015-2022). The majority of articles were published in 2020, which was 13 articles or 29.55%. The years 2015 and 2018 were the fewest, namely only 1 article or 2.27%. The articles are written individually (single author) as well as collaboratively (multiple authors). The most frequently used method of qualitative research is qualitative-descriptive, with a total of 19 articles. Meanwhile, the quantitative method that is most often used is the quantitative method with linear regression analysis, as many as 2 articles. The International Journal of Financial Research became the most significant journal. In total there are 298 citations, with keywords that are often used are zakat accounting, trust, business zakat, information system, and economic sustainability.
Why Islamic Economics ? The Difference Between The Conventional System And The Islamic Economic System muhammad kambali; Jamiatus Dinny Sholikah; Misella Sandi
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i1.835

Abstract

The presence of an economic system is a real part of the effort to answer the economic problem of what, haw, for whom. Every economic system has different ways and ways of solving these problems. This research aims to answer the main problem, why does it have to be Islamic economics? With the liberal research approach, these problems are discussed starting with data collection based on secondary data in the form of research articles and books related to the main focus of the research. Further data were analyzed using content analysis and comparative descriptive analysis methods. The results of this study indicate that the main reason why an Islamic economic system is needed is that Islamic economics is evident from various historical records starting from the beginning of the Prophet Muhammad. Until now the Islamic economic system is clearly different in answering the economic problems of what, haw, and for whom. The Islamic economic system rests on the principle of values that enable human moral hazard to be minimized by upholding the values of monotheism, justice and balance. While the conventional economic system, capitalism and socialism recorded various negative defects starting from the 1929 crisis, the Subprime Mortgage crisis, the dissolution of the Soviet NEP. The results of this study have implications for strengthening the importance of carrying out economic activities that are based on justice and a balance in life.
Determinants of Customer Satisfaction of BMT Mitra Ummat With SERVQUAL Approach Trisma Kamelia; Fuad Hasyim; Dea Primi Purnamasari
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 1 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.683

Abstract

Baitul Maal wa Tamwil is one of the Islamic financial institutions, where increasing customer satisfaction is a priority that must be done. This is done because of the intense business competition in financial institutions. There is satisfaction from customers, the existence of Baitul Maal wa Tamwil can be maintained. The way that can be done to increase customer satisfaction is by providing the best service. The purpose of this study is to determine and analyze the effect of service quality consisting of reliability, emphaty, responsiveness, tangible, and assurance variables on customer satisfaction of BMT Mitra Ummat. Sampling using accidental sampling with the distribution of questionnaires to BMT Mitra Ummat customers. Primary data were analyzed using multiple regression. The results show that the Tangible Variable affects the customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 6.509 with a significant value of 0.000 < 0.05 means that Ha is accepted and Ho is rejected. The Reliability variable does not affect the customer satisfaction of BMT Mitra Ummat. Where obtained a value of t of -1.443 with a significant value of 0.152 > 0.05 means that Ha is rejected and Ho is accepted. The Responssive variable has no effect on customer satisfaction of BMT Mitra Ummat. Where obtained a t value of -3.019 with a significant value of 0.003 < 0.05 means that Ha is rejected and Ho is accepted. The Assurance variable has no effect on customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 1.798 with a significant value of 0.075 > 0.05 means that Ha is rejected and Ho is accepted. The Empathy variable affects the customer satisfaction of BMT Mitra Ummat. Where obtained a t value of 5.604 with a significant value of 0.000 < 0.05 means that Ha is accepted and Ho is rejected. In the research conducted by (Dibyantoro, 2012) where the results obtained were all variables of service quality affecting Customer Satisfaction at PT Bank BTN Palembang branch. However, it is different from this study where the results of the Tangible and Empathy variables affect the Customer Satisfaction of BMT Mitra Ummat, while the variables of Reliability, Responsiveness and Assurance do not affect the satisfaction of BMT Mitra Ummat customers.

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