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Laa Maisyir Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Alauddin Makassar
ISSN : 24769371     EISSN : lamaisyir     DOI : https://doi.org/10.24252/laamaisyir
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Laa Maisyir adalah jurnal ekonomi Islam yang fokus kajian tentang pemikiran ekonomi syariah yang mencakup beberapa bidang kajian seperti jual beli, sewa, gadai, bagi hasil, serta perkembangan transaksi ekonomi seperti jual beli e-commers. Sehingga jurnal ini diharapkan mampu memberikan khasanah pemikiran ekonomi Islam yang uptudate atau kekinian.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
 1 
Search results for , issue "Vol 9 No 1 (2022)" : 7 Documents clear
The Fintech E-Payment: The Impact to Financial Behavior Rusnawati Rusnawati; Miftha Farild; Eka Indriyani MS
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.23793

Abstract

Di masa pandemi Covid-19 yang masih melanda Indonesia, penggunaan fintech e-Payment semakin meningkat, terutama di era PPKM saat ini. Dari data Asosiasi fintech Indonesia dan Otoritas Jasa Keuangan tahun 2017, pelaku fintech di Indonesia didominasi oleh bisnis pembayaran. Penelitian ini bertujuan untuk mengetahui pengaruh pengetahuan keuangan dan kualitas informasi terhadap sikap keuangan untuk mengetahui kepuasan masyarakat dalam menggunakan e-Payment fintech. Penelitian ini menggunakan data primer yang dikumpulkan dengan metode survei dengan menyebarkan kuesioner kepada pengguna layanan e-Payment fintech pada tiga layanan pembayaran seluler yang paling dikenal dan jumlah pengguna yang besar di masyarakat Indonesia, yaitu Gopay, Ovo, dan T-Cash. Data diolah dan dianalisis menggunakan analisis partial least squares (SEM-PLS). Hasil penelitian ini adalah pengetahuan keuangan dan kualitas informasi mempengaruhi sikap keuangan melalui kepuasan masyarakat dalam menggunakan e-Payment fintech.
The Practice of Cash Based Waqf In The Indonesian Islamic Banking Ainul Fatha Isman; Andi Suwandi Putra Suaib
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.23837

Abstract

Islamic banking is a Islamic financial institution that has obligations on the social dimension by utilizing Islamic social finance institutions is cash waqf. The purpose of this study is to analize the implementation of cash waqf in Indonesia and significance of Islamic banks in managing cash waqf and to provide a model for developing cash waqf by Islamic banks. This research is a qualitative descriptive analysis with an inductive reasoning approach through the process of content analysis and library research. The results of this study indicate Islamic banking has become part its management, but has not optimal. Islamic banks only collect funds, while the management and distribution of them become the responsibility of nazhir. The significance of Islamic banking to manage cash waqf has advantages in terms of professionalism, transparency, accountability, facilities, technology infrastructure, human resources, risk level, extensive network, easy access, and public trust. The research also formulated a cash waqf management model in the form of synergy of Islamic banking with waqf nazhir and customers. The implications of this research are so that Islamic banks regard to management mecanism of cash wqaf and it regulatory aspects to improve the optimization of cash waqf management in Indonesia and provide benefits for Islamic banks and restore the image of Islamic banks to their social functions.
عقد الاستصناع - التكيف الشرعي والجانب التطبيقي "بنك البلاد السعودي إنموذجا" Mohammed Abduljalil Qasem Alshadadi; Adel Qaed Al-Ameri; Esam Mohammed Nasher
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.26034

Abstract

تعد عقود الاستصناع إحدى الصيغ التمويلية التي ظهرت حديثا للوفاء بحاجات لم تكن بارزة أو ملحة في وقت سابق ولكنها اليوم تمثل حاجة ماسة لتلبية مطالب اقتصادية مهمة كعقود المقاولات في المباني والمنشآت الضخمة، من هنا جاءت أهمية هذه الورقة كمحاولة لتأصيل موضوع الاستصناع فقهيا وبحث مدى تطابق الواقع التطبيقي مع الصيغة الشرعية لها وفق منهج دراسة الحالة، وذلك بمعرفة التطبيق المعاصر لعقد الاستصناع والجوانب التطبيقية لهذا العقد في بنك البلاد السعودي كحالة دراسية تمكننا من عقد مقارنة فقهية اقتصادية لهذا العقد خلال الفترة 2010-2019. خلصت الدراسة الى أنه بمقارنة الصورة المعاصرة لعقد الاستصناع مع مفهوم وشروط العقد عند الفقهاء نجد أن هذا التطبيق لم يخرج عن الضوابط والشروط التي حددها الفقهاء، الا أنه بصورته المعاصرة قد توسع ليشمل كثير من المجالات التي يقع فيه الاستصناع والتي لم تكن معروفه في وقت سابق كتطور طبيعي في مسار الحياة، ولما كان لهذا العقد من أهمية اقتصادية كأحد مصادر تمويل المشروعات الاقتصادية فقد عمل العلماء على تطوير هذا العقد بصورته الحالية ليتواكب مع طبيعة الظروف الاقتصادية المعروفة اليوم.
Effectiveness Of Economic Empowerment Program In Empowered Women Study Group Syamsul Alam; Hasbi Ibrahim; Nildawati; Munawir Amansyah; Syahrul Basri; Habibi; Andi Ade Ula Saswini; Krisno Bimantoro; Gunawan Rasyidi
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.26487

Abstract

One of the important elements of development that needs attention is social and economic development for women. The role of women in the development of the Islamic economic sector is now very significant. This has had many positive impacts on both sharia economic growth and the Indonesian economy in general. This study aims to determine the effectiveness of the economic empowerment program in empowered women learning groups (KBPB) which is a CSR program of PT. Pertamina Marketing Operation Region VII, Ujung Tanah District, Makassar City. This research uses descriptive quantitative research, with a total sample of 30 respondents. The results showed that 70% of respondents were able to start SME businesses independently after participating in the KBPB program, and 30% had not been able to develop their businesses independently. Based on the perceived changes that 50% of participants were able to develop productive activities in the economic field, 40% strongly agreed that after participating in the program participants were able to self-actualize, and 40% strongly agreed that they were able to collaborate with others to form a business after joining the KBPB program.
Millennials' Interest in Using OVO Applications in Asahan District in the Perspective of Islamic Law ahmad junaidi; Nurul Aulia Dewi
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.28015

Abstract

The purpose of this research is to find out and analyze the interest of the people of Asahan Regency in the use of OVO products. This study uses a quantitative descriptive approach with a sample of 73 respondents belonging to millennials. From the results of the research above, it can be concluded that the potential for developing E-Money in Millennials can be developed because of the results of research that has been carried out the percentage of interest in using OVO E-Money is at a moderate level with a percentage of 45% and a high interest in using OVO is 27%. This can trigger the use of OVO E-Money with marketing programs and target markets from OVO itself. Keywords : Development, E-Money, Milenial
Development of Sharia Based Local Wisdom Business at Society of Mandailing Natal Asrul Hamid; Khairul Bahri Nasution; Resi Atna Sari Siregar; Jannus Tambunan
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.29413

Abstract

Integration of Islam with local wisdom in business development in Mandailing Natal Regency as an effort to improve the economy and welfare by rejecting the concept of exploitation and discrimination but prioritizing the value of benefit in the midst of the proliferation of franchised businesses. This study aims to analyze the development of sharia-based local wisdom business in Mandailing Natal Regency. This research method uses a qualitative descriptive approach. Sources of data are described from the results of observations, interviews, and documents as well as relevant references to understand socio-cultural both in attitudes, motivations and people's expectations related to business development by analyzing data using qualitative methods. The results show that business development by integrating Islamic values ​​with local wisdom of Mandailing Natal referring to the philosophy of Dalihan Na Tolu, Marsialap ari Marsalapari and Poda Na Lima, is a strategic step in developing a business so that it can compete with franchise businesses, in line with the adage “Hombardo adat dohot worship as a way of life. Steps that need to be developed are regulations, new innovations and management and marketing strategies that are tailored to the needs of the community and market and according to sharia principles as an effort to realize a balance of welfare and happiness in this world and the hereafter.
Critical Study Concept and Implementation Of The Sale and Purchase Murabahah Based On A Review Of Sharia in Islamic Bank Adi Permana Abdullah
LAA MAISYIR: Jurnal Ekonomi Islam Vol 9 No 1 (2022)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/lamaisyir.v9i1.35922

Abstract

Penelitian ini bertujuan mengkaji secara kritis dan mendalam tentang konsep dan implementasi murabahah pada bank syariah, mengidentifikasi dan menganalisisi kesesuaian penerapan murabahah pada bank syariah berdasarkan tinjauan syariah. Penelitian ini menggunakan data primer melalui wawancara kepada informan yang bekerja di Bank syariah. Data sekunder dilakukan melalui pengumpulan data-data yang relevan dengan akad murabahah pada bank syariah. Data yang diperoleh baik data primer maupun data sekunder, diolah dan dianalisis dengan menggunakan analisis data kualitatif. Hasil penelitian ini menunjukkan bahwa bank syariah telah berupaya bertransaksi secara islami khususnya pada akad murabahah namun masih perlu perbaikan kedepan agar semua kriteria dan larangan dalam transaksi murabahah dapat terlaksana dengan baik dan menyeluruh. Terdapat 2 dari 7 larangan dalam transasksi akad murabahah pada bank syariah masih terdapat 1 larangan yang belum dapat dihindari yaitu bank syariah dalam akad murabahah menjual barang yang tidak/belum dimiliki secara utuh yang bisa menjerumuskan pada aktifitas ribawi (larangan dalam bertransaksi yang mengandung unsur riba). Kata Kunci : akad murabahah, syariah, dan riba.

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