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Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah

al-qashdu
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Published by Institut Agama Islam Negeri Ternate

ISSN : - EISSN : 28095065 DOI : 10.46339/al-qashdu

Core Subject : Economy,

Economics, Econometrics & Finance

Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah merupakan jurnal ilmiah yang dikelola dan diterbitkan oleh Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Ternate. Jurnal ini memuat karya tulis ilmiah hasil penelitian yang dilakukan oleh akademisi, peneliti dan praktisi di bidang ekonomi dan keuangan islam. Jurnal ini diharapakan dapat menjadi alat informasi dan sosialisasi mengenai hasil penelitian terbarukan tentang ekonomi dan keuangan islam. Analisis Ekonomi Perbankan & Keuangan Syariah Regulasi & Stabilitas Perbankan & Keuangan Syariah Pengembangan Produk Lembaga Keuangan Syariah Akuntansi Syariah Ekonomi & Keuangan Islam Layanan Keuangan Islam Pasar Modal Islam Keuangan Mikro Islam Mode pembiayaan Islam Keuangan Sosial Islam

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 25 Documents

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PERSPEKTIF MASLAHAH MURSALAH TENTANG IMPLEMENTASI AKAD QARDH DALAM PEMBIAYAAN USAHA MIKRO DI BANK WAKAF MIKRO AL-ANSHOR PEDULI KOTA AMBON Muhammad H Holle; Sardin Wanci
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

The purpose of this study was to describe the implementation of qardh contract financing at Al-Anshor Peduli Micro Waqf Bank Ambon, and to find out Maslahah Mursalah's Perspective on Qardh Contract Implementation in Micro Business Financing at Al-Anshor Peduli Micro Waqf Bank Ambon City. This research was conducted using qualitative descriptive techniques and field studies (library research). The results of the study: 1. qardh financing is carried out by socializing to micro business actors or community members who want to start a business. 2. Utilization of the qardh contract in accordance with the principle of maslahah mursalah, according to the perspective of maslahah mursalah. Implementation of credit financing qardh contracts to provide benefits for micro business actors who have difficulty working capital and people who want to start a business but lack funds.

STRATEGI PENGELOLAAN WAKAF PRODUKTIF DALAM RANGKA PEMBERDAYAAN UMAT DI KECAMATAN PANGKAJENE KABUPATEN PANGKEP Ishan Azis
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

This study aims to determine the management strategy of productive waqf in the context of empowering people in Pangkajene District, Pangkep Regency. This study uses field research with a descriptive qualitative approach. The research location is centered in Pangkep Regency, Pangkajene District, South Sulawesi. The data used are primary data directly from those who manage productive waqf in Pangkep and secondary data from reference books, journals and so on. Data collection techniques ranging from interviews, observation and documentation. The management of productive waqf in Pangkajene District in its implementation is in accordance with Law Number 41 of 2004 concerning waqf but in the management of productive waqf it is still not optimal. In the management of productive waqf property as waqf by the wakif, so far the KUA of Pangkajene Sub-district has never interfered with all management affairs entirely left to the nadzir who has been appointed by the wakif himself. Productive waqf in Pangkajene District is classified as absolute waqf practice, Nazhir makes productive efforts so that waqf assets can be maximized in a way that is mostly achieved by renting out waqf assets.

PENERAPAN PROFIT DISTRIBUTION PADA PERBANKAN SYARIAH: ADIL DALAM SITUASI PANDEMIC COVID 19 Binti Nur Asiyah; Yanuar Mila Pratiwi; Fathiyyatun Nuroniyyah; Dimas Asyif Natory
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Profit Distribution or profit sharing distribution basically has two principles that are rofit sharing and revenue rharing. Fatwa of the National Sharia Council concerning the principle of distribution of operating results with the principle of revenue sharing to emphasize on sharia financial institutions. This principle provides benefit (al-ashlah), justice in any situation. This paper is written with a qualitative approach and the type of research is a literature study. The analysis was carried out descriptively on the results of the data obtained. The results of this paper include, among others, in the COVID-19 pandemic situation, revenue-sharing for Islamic banking has decreased, from the total profit-sharing financing distributed by Islamic banks, it tends to increase. This shows a form of justice for Islamic banks in providing a profit burden to customers when their income achievement is affected by COVID-19.

OPTIMALISASI DANA ZAKAT, INFAK DAN SEDEKAH MASJID TERADAP PEMBERDAYAAN JAMAAH (Studi di Masjid Imam Rijali IAIN Ambon) Julianty Ryzkha L Mossy
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

The purpose of this study is to describe the form of empowering the congregation of the Imam Rijali mosque IAIN Ambon and to find out the efforts of the mosque takmir in optimizing funds Zakat, Infak and Alms (ZIS) to the congregation of the Imam Rijali mosque IAIN Ambon through observation and interviews with takmir The results of this study conclude that the forms of empowering the congregation of Imam Rijali Mosque IAIN Ambon include: religious spiritual empowerment, educational empowerment, and social empowerment intersect and support each other in improving community welfare and improving the quality of life ZIS funds are allocated for empowerment optimization programs at Islamic boarding schools, orphanages and students around the mosque who do not return home during Eid, while infaq and shadaqah funds received are optimized for the physical improvement of mosques, and non-physically infaq funds are optimized to facilitate rehabilitation. The maja of the mosque is approximately 7 people who function to maintain the cleanliness of the mosque and the programs carried out for recitation, cadre of imams, muballiqh and da'i.

PERSEPSI NASABAH TERHADAP PRODUK TABUNGAN IB HASANAH DAN DAMPAKNYA TERHADAP MINAT MENABUNG NASABAH Abd Rauf Wajo; Erna Betawi
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

This study aims to determine customer perceptions of iB Hasanah savings and the impact on decisions to become customers at Bank Syariah Indonesia (BSI) Ternate Hasan Esa Ternate. This research using qualitative research to explain the facts objectively according to the data obtained through observation data sources, interviews and documentation at the research location for further analysis using a qualitative descriptive approach. The results of the study indicate that customer perceptions of the iB Hasanah savings product are: first, customers know that this product is part of the implementation of religious values in saving assets or money in Islamic banking. Second, customers have confidence that their savings must be managed by trustworthy people so that their security and blessings are guaranteed. Third, customers choose the iB Hasanah savings product which is managed with the principle of profit sharing. Several customer perceptions of the iB Hasanah savings product have an impact on customer interest in saving with the iB Hasanah savings product. This interest arose from customers' perceptions of their knowledge of iB Hasanah products, their trust in Islamic banks and iB Hasanah savings products, as well as managing savings funds in iB Hasanah products with the principle of profit sharing.

Pengaruh Kepercayaan, Persepsi Kemudahan Penggunaan, dan Persepsi Kenyamanan Terhadap Intensi Pembelian Ulang Melalui E-Commerce Nikita Astria
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Penggunaan internet untuk aktifitas transaksi bisnis dikenal dengan Electronic Commerce (e-commerce). Hingga saat ini banyak sekali e-commerce didunia, termasuk Indonesia yang bersaing untuk menjadi yang terbaik bagi konsumen. Lazada Indonesia, hanya mampu berada di posisi ke empat jika dibandingkan dengan e-commerce lain. Faktor terpenting yang dapat mendorong konsumen dalam bertransaksi ialah kepercayaan. Selain kepercayaan, penggunaan yang mudah dan dapat memberikan kenyamanan tentu diharapkan oleh konsumen agar dapat menimbulkan intensi pembelian ulang.Oleh karena itu, peneliti melakukan analisis mengenai perilaku konsumen saat berbelanja melalui e-commerce.Penelitian ini bertujuan untuk mengetahui tanggapan konsumen terkait kepercayaan, kemudahan penggunaan, persepsi kenyamanan, ulang serta bagaimana pengaruhnya terhadap intensi pembelian ulang di Lazada Indonesia.Penelitian ini bersifat kausal komparatif, dengan pendekatan kuantitatif. Penelitian dilakukan dengan analisis statistik menggunakan LISREL. Kuisoner disebar secara online terhadap konsumen Lazada Indonesia dengan jumlah sampel penelitian sebanyak 400 sampel. Hasil menunjukkan bahwa kepercayaan, dan persepsi kenyamanan konsumen terhadap Lazada Indonesia memiliki kategori cukup baik, persepsi kemudahan penggunaan memiliki kategori baik, sementara intensi pembelian ulang konsumen memiliki kategori buruk. Selain itu, untuk analisis verifikatif ditemukan bahwa kepercayaan, kemudahan penggunaan, dan persepsi kenyamanan berpengaruh signifikan terhadap intensi pembelian ulang baik secara simultan maupun parsial.

PENGARUH BOPO TERHADAP PROFITABILITAS BANK PERKREDITAN RAKYAT MALIFUT DANATAMA TERNATE Muhammad Daud bin Mahmud; Wahyuni Balamo
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

This study aimed to determine the effect of Operational Expenses on Operating Income (BOPO) on the Profitability of the Rural Bank (BPR) Malifut Danatama Ternate. Profitability in this study was measured using the ratio of Net Profit Margin (NPM). The alternative hypothesis proposed in this study is that BOPO has a negative and significant effect on the profitability of PT. BPR Malifut Danatama Ternate. The data in this study used secondary data, namely the financial statements of BPR Malifut Danatama for the period 2010 - 2020. The data were analyzed using simple regression, using SPSS 26. The results of this study accepted the proposed hypothesis, meaning that BOPO had a negative and significant effect on the profitability of PT. BPR Malifut Danatama Ternate. The effect of BOPO on Profitability means that every increase in BOPO will decrease the NPM value.

REALISASI PENGGUNAAN DANA DESA DALAM MENGEMBANGKAN PEREKONOMIAN MASYARAKAT DI DESA TAMANSARI KECAMATAN SUMBERMALANG KABUPATEN SITUBONDO JAWA TIMUR Moh Idil Gufron; Indana Fitriyatul Arifin; Siti Ibra Sonia
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

The Village Fund is prioritized to finance the implementation of local village-scale programs and activities in the field of village development such as housing facilities and infrastructure, food security, health, education and to finance the field of community empowerment, namely programs aimed at increasing the capacity of rural communities in entrepreneurial development, increasing income, and expansion of the economic scale of individual citizens or community groups. After the village fund, the community began to feel a positive impact as seen from the collaboration between the government and the community in increasing the development of village facilities and infrastructure such as community economic activities aimed at improving the economy of the Tamansari village community. The research uses an ethnographic approach, because initially this method was mostly used for research in the field of cultural anthropology. The type of research used by researchers is qualitative research. The economic development of the Tamansari Village community before the existence of village funds has not been able to be felt by the community as a whole.

IMPLEMENTASI SERVICE EXCELLENCE OLEH CUSTOMER SERVICE PADA BANK SYARIAH MANDIRI KANTOR CABANG AMBON Ode Kamarudin
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

The purpose of this study is to determine the process of service excellence by customer service in the service process at Bank Syariah Mandiri Ambon Branch Office and to determine the implementation of service excellence by customer service in the service process at Bank Mandiri Syariah Ambon Branch Office. The main problem in this study is how to implement service excellence standards for services that actually occur at Bank Mandiri Syariah Ambon Branch Office which is carried out by customer service. This type of research is field research by taking the research location at Bank Mandiri Syariah Ambon Branch Office using a qualitative approach. The data in this study consisted of primary data and secondary data obtained by using the interview method (interview) with customer service, documentation, and observation. The results of the study indicate that customer service can implement the standards set by Bank Syariah Mandiri Ambon Branch Office into services that have become their duties, (service excellence) which includes basic aspects of Accountability (Responsibility), Action (Actions), Attention (Attention), Appearance, Attitude, Ability that can satisfy and attract customers to remain loyal to Bank Mandiri Syariah Ambon Branch Office.

PERAN BUMDES SIMPAN PINJAM UNTUK PEMBERDAYAAN EKONOMI MASYARAKAT DI DESA WAYABULA TINJAUAN EKONOMI ISLAM Cici Aryansi Quilim; Julmiati Juleng
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 1, No 1 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

The purpose of this study was to determine the role of Savings and Loans Village Owned Enterprises (BUMDes) on community economic empowerment and an overview of Islamic economics on the economic empowerment of the Wayabula Village community. The analysis used is descriptive qualitative, with primary and secondary data obtained by means of field observations, interviews and documentation. The results of the study reveal that the BUMDES Savings and Loans is still standing today and in an effort to empower the people of Wayabula Village, BUMDES provides assistance in the form of loans and business capital to small communities and helps improve the economic welfare of the community. Based on an Islamic economic review, the form of BUMDES savings and loans does not meet the rules of Islamic law because it still uses the interest system.

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Contact Name
Muhammad Daud bin Mahmud

Contact Email
daud@iain-ternate.ac.id

Phone
+6282143116618

Journal Mail Official
alqashdu@iain-ternate.ac.id

Editorial Address
Jl. Lumba-lumba, Kota Ternate, Maluku Utara, 97727

Location
Kota ternate,

Maluku utara

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Muhammad Daud bin Mahmud

Contact Email daud@iain-ternate.ac.id

Phone +6282143116618

Journal Mail Official alqashdu@iain-ternate.ac.id

Editorial Address Jl. Lumba-lumba, Kota Ternate, Maluku Utara, 97727

Location Kota ternate, Maluku utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Muhammad Daud bin Mahmud

Contact Email
daud@iain-ternate.ac.id

Phone
+6282143116618

Journal Mail Official
alqashdu@iain-ternate.ac.id

Editorial Address
Jl. Lumba-lumba, Kota Ternate, Maluku Utara, 97727

Location
Kota ternate,

Maluku utara

INDONESIA