cover
Contact Name
Muhamad Bisri Mustofa
Contact Email
bisrimustofa@radenintan.ac.id
Phone
+6281278040620
Journal Mail Official
ejournaliaias@gmail.com
Editorial Address
Jl. Brigjend Sutiyoso No.07 Metro Pusat, Metro, Lampung, Telpon : (0725) 7855108 / Fax : (0725) 7855108
Location
Kota metro,
Lampung
INDONESIA
At Taajir : Jurnal Ekonomi, Bisnis dan Keuangan Syariah
ISSN : 2685435X     EISSN : 26864681     DOI : https://doi.org/10.47902/attaajir.v1i1
Core Subject : Religion, Economy,
Jurnal yang memuat naskah naskah di bidang Ekonomi Syariah, Bisnis Syariah dan Lembaga Keuangan Syariah. Ruang lingkup jurnal ini berupa penelitian dan kajian analitis kritis atau inovasi dalam beberapa bidang keilmuan, Ekonomi Syariah. Jurnal yang membahas tentang tema ekonomi Syariah, Bisnis Syariah atau Lembaga Keuangan Syariah.
Articles 15 Documents
MLM dalam Persfektif Ulama' Fiqih dan Hadis Khoirurroji'in, Lc., M.Pd.I
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (793.717 KB) | DOI: 10.47902/attaajir.v1i1.22

Abstract

ABSTRACT Multi Level Marketing (MLM) better known as MLM is, "A direct sales system, where goods are marketed by consumers directly from producers. Consumers who simultaneously market goods receive bonus rewards. These bonuses are taken from the profits of each buyer introduced by first buyer based on regulated provisions "365. Because it is believed to be able to provide substantial profits to companies, today, various types of goods are widely marketed using MLM marketing patterns, jewelry. computer programs, supplement drinks, cosmetics, Islamic tapes and others. Transactions with this MLM system have penetrated the middle of humans and have a lot to color the atmosphere of the community market. So as a Muslim businessman, it is obligatory to know the legal transactions with this MLM system before struggling in it and the scholars have disagreed about the law. That a Muslim trader should know the Shari'a laws regarding the rules of trading or transactions and know the forms of buying and selling that are prohibited in religion. The lack of knowledge about this will cause a person to fall into error and sin. As we have witnessed the spread of usury practices, consuming human property in a vanity way, damaging market prices and so on from forms of damage that harm society, even harming the state. Keyword: Multi Level Marketing, MLM) Ulama Fiqih, Ulama Hadis, Perspektif
Hukum Utilitas dalam Ekonomi Islam Agus Tomi
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (265.124 KB) | DOI: 10.47902/attaajir.v1i1.23

Abstract

Abstract Islamic banks are financial institutions that have a large influence in providing funds for the community, especially for the development of the life of a business entity. This institution plays an important role in collecting funds from the community and distributing it again to the community. Islamic banks channel excessive money to be used by other parties in need by providing assistance in the form of loans or financing, both to companies and individuals. Based on the description above, the author tries to find a description of the extent to which the concept of satisfaction (utility) in Islamic economics is compared to the concept of satisfaction (utility) in a conventional economy. Satisfaction in Islamic economics has a more comprehensive view and meaning when compared to the concept of conventional satisfaction, where in Islamic economics satisfaction is not only to meet the needs and desires to achieve mutual benefit (community welfare) but lead to obedience as God's creatures based on values Islamic. Whereas in the conventional view that satisfaction is every individual can always determine which condition is preferred between two conditions or more (completness) regardless of the health and harm. It is clear that man's desire to accumulate wealth, but also his need for preparation in the future, thus that if the spirit of always wanting more this will lead to greed and the pursuit of personal lust, then this views wealth as the "greatest test". Keyword: Hukum Utilitas, Ekonomi Islam, Conventional, Financial Institutions
Fungsi Utilitas Barang Halal Rinda Rosmala
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (497.434 KB) | DOI: 10.47902/attaajir.v1i1.24

Abstract

Abstract The goal of consumers is to find the highest satisfaction. Determination of goods or services for consumption is based on satisfaction criteria. The consumption limit is only budgetary capacity. As long as there is a budget to buy goods or services, then these items will be consumed. In other words, as long as the consumer has income, nothing can prevent him from consuming the desired item. This attitude will clearly deny consideration of the interests of others or consideration of other aspects such as halal. Such consumer behavior, of course, cannot be taken for granted in the Islamic economy. Islamic consumption is always guided by Islamic teachings. As we know that Islam is very concerned about the quality and sanctity of consumer goods manifested in the Koran and Al-Hadith. This is not only transcendental, but also mundane because Islam is very concerned about the sanctity and cleanliness of consumer goods, so this paradox encourages us to understand that satisfaction of a Muslim is very much determined by the level of halalness and the level of prohibition of consumer goods. Assumptions and axioms in Islam are the emphasis on halal, haram, and blessings of the goods to be consumed. So if an individual is faced with two choices A and B, then a Muslim will choose goods that have a higher level of halal and blessing, even though other items are physically preferred. Although the type of relationship that will be explored is substitute, Islam prohibits the substitution (substitution) of goods or transactions that are lawful with goods or illegitimate transactions. Keyword: Utilitas Axioms In Islam, Halal, Haram, Blessings
Konsep Murabahah dan Aplikasinya dalam Perbankan Syariah Hikmah Dwi Astuti
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (500.667 KB) | DOI: 10.47902/attaajir.v1i1.25

Abstract

ABSTRACT In practice more Islamic banks use murabahah contracts than other contracts. Endemic characteristics that are certain in the amount of installments and margins also give rise to the perception that the use of murabahah contracts can reduce the level of risk of financing. In fiqh there is indeed no portfolio arrangement in Islamic financial institutions. Then institutionally, the choice of murabahah contract compared to other contracts is the most attractive, profitable and least risky option so that the bank is basically allowed to prioritize murabahah in its product contract. Keyword: Murabahah, Islamic Bank, Financing.
Instrumen Distribusi dalam Ekonomi Islam Saiful Anwar
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (459.183 KB) | DOI: 10.47902/attaajir.v1i1.26

Abstract

Abstract Distribution in the Islamic concept does not only prioritize economic aspects where size is based on the amount of property owned, but also discusses how the use of human potential can be distributed, in the form of appreciation for the right to life in life. Then the distribution is expected to overcome the problem of income distribution between various classes in society. Therefore in Islam Allah SWT implies one form of social virtue, like zakat. If this is used as the concept of income distribution, the economic system will run smoothly and the community will prosper. Gap and hunger will easily be eliminated due to the prevalence of the distribution system. And in Islamic economics a person's wealth does not make the cause of others experiencing economic difficulties, both production and consumption. Therefore Islam provides clear boundaries in living this life, including regulating matters regarding distribution. The whole is to regulate so that there is no social inequality between one party and another party and have an impact on actions or counterproductive. Therefore Islam stipulates the existence of distribution instruments, including the principle of cooperation between mudharabah and musyarakah, the existence of zakat, infaq, alms and endowments as well as other assets or income owned. Keyword: Distribution, Islamic Economics, Economic System
Qardhul Hasan dalam Persfektif Hukum Islam pada Baitul Maal wa Tamwil (BMT) dan Implementasinya Muhamad Bisri Mustofa; Mifta Khatul Khoir
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (635.302 KB) | DOI: 10.47902/attaajir.v1i1.27

Abstract

Abstract In the implementation of Islamic Financial Institutions such as the Baitul Maal wa Tamwil (BMT) there are various ways of collecting funds and channeling funds. Funds are collected through wadi'ah deposits and deposits. While the distribution of funds is done by murabahah, mudharabah, musyarakah, rahn (pawn), ijarah, ijarah multijasa and qardhul hasan financing. Qardhul Hasan's financing is the orientation of the function of the Islamic Financial Institution (Baitul Maal Wa Tamwil) as a social institution. Qardhul hasan is a soft loan given on the basis of mere social obligations. In this case the borrower is not required to return anything except the amount borrowed. In Qardhul Hasan financing there are pillars and conditions, namely the perpetrator of the contract consisting of muqtaridh (borrower), muqridh (lender), qardh (fund), shighat ijab and qabul willingness for both parties and funds used for something useful and lawful. Qardhul Hasan is an activity to achieve a predetermined goal or target by the relevant Islamic financial institutions. The mechanism for implementing Qardhul Hasan is solely aimed at providing assistance to meet the needs of small communities. Thus it can be seen that the form of borrowing through Qardhul Hasan is in accordance with the principles of sharia economic law, the potential source of Qardhul Hasan's funding is quite large if it is utilized and managed optimally and its implementation is very useful for the community. Keywords: Qardhul Hasan, Islamic Law, BMT
Petumbuhan dan Perkembangan Ekonomi Makro Syariah di Indonesia Aye Sudarto
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (808.856 KB) | DOI: 10.47902/attaajir.v1i1.28

Abstract

Abstract Macroeconomics that play an important role can often have a serious impact on a country's growth. We can mention one by one what is part of the macro economy that affects the national economy are low economic growth, poverty and unemployment, inflation, low rupiah exchange rate, energy crisis, state budget deficit, and imbalance of trade balance and payments become adult national economic problems this. In view of the growth, development, opportunities and challenges of sharia macroeconomics in Indonesia, it is important that we first understand the economic system adopted by Indonesia today. As we know that what determines the shape of an economic system except the basis of a state philosophy that is upheld, the criteria are institutions, especially economic institutions that become the manifestation or realization of the philosophy. Sharia Macroeconomics in Indonesia is not yet signi fi cant in influencing macroeconomic conditions in Indonesia, due to its small assets compared to conventional economies. Indonesia has the potential to be able to position itself as the center of World Sharia finance. We have strong capital to make this happen, because besides Indonesia is the largest Muslim country in the world, Indonesia is also a member of the G-20 and a country with the fifth largest population in the world that has a rapidly growing middle income. Sharia economy and finance can make a very significant contribution in lifting the quality of the Indonesian economy. Keyword : Macroeconomics, Sharia Macroeconomics, Sharia Finance
Analisis Momentum Hari Raya Idul Fitri pada Emiten Sektor Food and Beverage di Pasar Modal Indonesia Devid Saputra
Jurnal At Taajir Vol 1 No 1 (2019): At Taajir : Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (549.807 KB) | DOI: 10.47902/attaajir.v1i1.82

Abstract

As a country with a majority Muslim population, Ramadan and Eid al-Fitr brings its own blessings. Economic activity has increased due to the high consumption of society, especially in related sectors, such as the food and beverage sector. Various studies, both national and international, were conducted to determine how the holiday affects in the capital market. The holiday effect is understood as a difference in yields or stock returns that occur abnormally due to a long holiday compared to other regular holidays. Long holidays in Indonesia occur during Eid al-Fitr. This study aims to determine whether the holiday effect occurs in the Indonesian capital market. Observation of data on the food & beverage sector in the Indonesian capital market was carried out by conducting the One Way ANNOVA test. The results of the calculation show F = 0.203 and the significance of 0.653 is greater than a = 0.05, so that rejecting H1 is due to no significant influence or no holiday effect on the Indonesian capital market
MANAJEMEN STRATEGI LEMBAGA DALAM MENINGKATKAN PELAYANAN NASABAH DI BMT KOTA BANDAR LAMPUNG Mubasit; Husaini
Jurnal At Taajir Vol 2 No 01 (2021): AT TAAJIR Jurnal Ekonomi Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.535 KB) | DOI: 10.47902/attaajir.v2i01.201

Abstract

This study aims to find out how the Institutional Strategic Management in Improving Customer Service at Bmt Bandar Lampung City. The research approach used is a qualitative approach. While this type of research is field research. Sources of research data are BMT Leaders, Employees and Customers. Methods of data collection is done by observation, interviews and documentation. The data processing method in this study was obtained through research instruments in four stages, namely: data reduction, data presentation, data verification and triangulation. The results of this study indicate that: The strategy carried out by BMT Bandar Lampung City in improving services to members is a functional strategy. Functional strategy is a strategy that is managed by each function of the company's organization in the hope of creating better competition with BMT competitors, so that it will increase competitive advantage. Management Management strategy in supporting customer or member satisfaction, the BMT tries to add office facilities, communicates good relations with members, carries out a pick-up system for customers, carries out a professional human resource recruitment process. Indicators of the quality of service performance in BMT Bandar Lampung City, as follows: 1) PhysicalAppearance Indicators (Tangible), 2) Reliability Indicators (Reliability), 3) Responsiveness Indicators (Responsivenes), 4) Competence Indicators (Competence), 5) Indicators of Credibility (Credibility), 6) Indicators of Courtesy (Courtessy), 7) Indicators of Security (Security), 8) Indicators of Access (Access), 9) Indicators of Communication (Communication), 10) Indicators of Understanding (Understanding the customer)
Implementasi Pembiayaan Ijarah Muntahiya Bittamlik (Studi Kasus Pada Koperasi Syariah Ar-Rahmah Gayabaru) Mutmainah Juniawati
Jurnal At Taajir Vol 4 No 1 (2022): At Taajir : Jurnal Ekonomi, Bisnis dan Keuangan Syariah
Publisher : International Journal of Publication Unit (IUJP) Agus Salim Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47902/attaajir.v4i1.205

Abstract

This study to determine the implementation of the financing of ijarah muntahiya bittamlik in the sharia cooperative of Ar-Rahmah Gayabaru. The research method used is descriptive qualitative. Collecting data using interviews, documentation, and observation. Data analysis using qualitative analysis techniques with the way of thinking inductive. Benefit from this research, namely to become material information for add sciences about institution finance sharia especially on sharia cooperative of Ar-Rahmah Gayabaru in the role which given to public. Results from analysis concluded that by implementation stages- the stages of the ijarah muntahiya bittamlik procedure in accordance with sharia principles, pillars ijarah muntahiya bittamlik, the flow of the ijarah muntahiya bittamlik contract, it's appropriate with theory. Although there are still some implementations of ijarah muntahiya bittamlik which not in accordance with sharia, or not in accordance with the theory, of them that is : mechanism implementation ijarah muntahiya bittamlik the discrepancy with Nur.S.Buchori's book is related to documentation on implementation no there is letter application realization ijarah muntahiya bittamlik and the absence of a contract for the transfer of the object of the lease, the terms cooperative sharia Ar-Rahmah Gayabaru on implementation not in accordance with PBI No. 7/46/PBI/2005 because it has not stated the conditions for cooperatives sharia Ar-Rahmah Gayabaru the if implementation ijarah muntahiya bittamlik can only conducted after ijarah contract fulfilled

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