NATUJA: Jurnal Ekonomi Syariah is a journal published by the Sharia Economics Departement, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia. Natuja is published twice a year (May and November). This journal is used to provide a forum for researchers, academics, and practitioners who have an interest in conveying ideas in the field of Islamic economics.
Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia
ANALISIS PERAN KOMPENSASI DAN BUDAYA ORGANISASI DALAM UPAYA MENINGKATKAN KINERJA PEGAWAI
This research was conducted with the aim of providing a comprehensive understanding of the influence of compensation and organizational culture on employee performance by using a literature review approach. This study collects and analyzes a variety of relevant scientific sources, including national and international journals, academic textbooks, and research results related to human resource management. Data analysis was carried out in a qualitative descriptive manner through a thematic synthesis process. The results of the analysis show that both compensation and organizational culture have a positive and significant influence on employee performance, both partially and simultaneously. Fair compensation, transparency, and contribution has been proven to create work motivation and loyalty, while a constructive organizational culture and harmonious social relationships play an important role in creating work effectiveness and employee satisfaction. Simultaneously, these two variables have a synergistic effect in encouraging the achievement of optimal performance and organizational goals.
Copyright (c) 2026 Muchtar Habib http://creativecommons.org/licenses/by/4.0
TRANSFORMASI DIGITAL PADA LEMBAGA KEUANGAN MIKRO SYARIAH: ANALISIS IMPLEMENTASI, TANTANGAN, DAN STRATEGI PENGEMBANGAN BMT DI INDONESIA
Digital transformation in Islamic microfinance institutions, particularly Baitul Maal wat Tamwil (BMT), has become a strategic approach to expanding digital financial inclusion while improving the operational efficiency of community-based financial institutions. This study aims to examine the implementation of digital transformation in Indonesian BMTs, identify key challenges, and formulate development strategies aligned with Islamic principles. A Systematic Literature Review (SLR) was employed by analyzing peer-reviewed journal articles, institutional reports, and policy publications issued between 2020 and 2025. The findings indicate that BMTs with adequate asset capacity and governance structures are more prepared to adopt digital technologies comprehensively, particularly in transaction services, financing processes, and financial reporting. Digitalization initiatives in selected BMTs have demonstrated measurable improvements in operational efficiency and service outreach. Nevertheless, most BMTs remain at basic to intermediate stages of digital adoption due to infrastructure constraints, limited digital literacy among human resources, and regulatory complexity. This study emphasizes that BMT digital transformation should be implemented gradually, contextually, and in accordance with Islamic values, supported by collaboration with the Islamic fintech ecosystem and regulatory policy frameworks.
Copyright (c) 2025 Riyan Damara Putra, Shalahudin Habibullah, Fatih Fuadi http://creativecommons.org/licenses/by/4.0
TA'LIL AL-AHKAM DALAM PENGEMBANGAN EKONOMI ISLAM: STUDI LITERATUR TENTANG RASIONALISASI HUKUM DAN APLIKASI MAQASID AL-SHARIAH
Ta'lil al-ahkam (legal reasoning through the identification of cause or rationale) is a critical methodological framework for understanding the adaptation of Islamic law to the complex and multifaceted challenges of contemporary economics. This article employs the library research methodology to examine the role of ta'lil al-ahkam in developing Sharia-compliant financial instruments and addressing increasingly intricate modern economic issues. Through a systematic analysis of legal texts, peer-reviewed journal articles, and regulatory documents from the National Sharia Board-Indonesian Ulema Council (DSN-MUI), this study identifies that ta'lil al-ahkam functions as a crucial bridge between classical Islamic jurisprudence and contemporary economic practice. The findings indicate that although ta'lil al-ahkam has successfully facilitated the creation of innovative Sharia-compliant products such as sukuk, Islamic fintech, and Islamic banking instruments, substantive questions remain regarding whether these applications adequately reflect the maqasid al-shariah emphasis on economic justice, social welfare, and inclusive empowerment. This study concludes that the effective integration between maqasid-based ta'lil al-ahkam is essential to ensure that the development of Islamic economics serves the genuine objective of maslahah (welfare) and promotes sustainable development that benefits all segments of society.
Copyright (c) 2025 Dewi Risyantika, Moh. Bahrudin , Syamsul Hilal http://creativecommons.org/licenses/by/4.0
RELEVANSI USHUL FIQH SEBAGAI METODOLOGI PENETAPAN HUKUM EKONOMI ISLAM DALAM MENJAWAB TANTANGAN EKONOMI MODERN
Usul Fiqh is a methodological foundation for establishing Islamic law, functioning not only in the realm of worship but also has significant relevance in the modern economy. In the context of the development of the global economic system, various contemporary issues have emerged, such as Islamic banking, insurance, investment, and Islamic financial instruments, which require legal clarity in accordance with Sharia principles. This article aims to analyze the position of Usul Fiqh as a methodology for establishing Islamic economic law and how its principles can address the challenges of the modern economy. The approach used is qualitative with descriptive comparative analysis, examining the views of the four major schools of thought Hanafi, Maliki, Shafi'i, and Hanbali in linking the principles of Usul Fiqh to contemporary economic practices. The research findings demonstrate that Usul Fiqh plays a crucial role in establishing a legal foundation for Islamic economics that is adaptive to changing times, while maintaining the integrity of sharia through the principles of maslahah, istihsan, and qiyas. Each school of thought (mazhab) has its own methodological contributions in interpreting the evolving economic context, which collectively enriches the treasury of Islamic economic law. Therefore, Usul Fiqh can be viewed as a dynamic methodology capable of bridging normative texts and modern economic realities
Copyright (c) 2025 Ahmad Ali Kamal, Moh. Bahrudin , Syamsul Hilal http://creativecommons.org/licenses/by/4.0
ANALISIS STRATEGI PENGHIMPUNAN ZAKAT PROFESI DI BAZNAS BONDOWOSO PADA ERA DIGITALISASI
This study aims to answer the question of how the professional zakat collection strategy of BAZNAS Bondowoso is implemented in the digital era, which is characterized by changes in social interactions and the increasing use of financial technology. This study is based on the background that professional zakat is one of the greatest potential drivers of national economic development, but often faces difficulties in implementation due to a lack of zakat literacy and a variety of payment service options. The purpose of this study is to examine the collection practices carried out by regional zakat institutions by examining the social and cultural context of the local community. This research methodology uses a qualitative descriptive study approach using data from BAZNAS administrators, field observations, and analysis of supporting literature. The study findings indicate that BAZNAS Bondowoso implements direct fundraising strategies such as institutional connections, mentoring muzakki, and face-to-face socialization, as well as indirect fundraising strategies through digital channels such as bank transfers, sharia payment applications, and the official BAZNAS platform. Digital strategies are used to increase efficiency, convenience, and reach of muzakki, while personal strategies are used to maintain trust and social cohesion. This study contributes to the development of a flexible, inclusive, and progressive professional zakat collection model in the digital era.
Copyright (c) 2025 Siti Habibatur Rahma Habibah, Lutfiatul Hasanah http://creativecommons.org/licenses/by/4.0
FRACTIONAL REVERSE BANKING DAN FIAT MONEY: PROBLEMATIKA SISTEM MONETER KONVENSIONAL DALAM PERSPEKTIF SYARIAH
This study critically examines the Fractional Reserve Banking (FRB) and fiat money systems within the framework of the conventional monetary system and their relevance to Islamic financial principles. The main questions raised are how the practice of money creation through FRB and the use of fiat money impacts economic stability and social justice, and how Islamic economics offers a more equitable alternative. The analysis shows that FRB and fiat money contribute to imbalances in the monetary and real sectors, as well as giving rise to the risk of inflation and a crisis of confidence. In contrast, an Islamic monetary system based on real assets and the principle of profit-sharing offers a more stable and equitable solution, free from elements of usury, gharar, and speculation. These findings reinforce the urgency of reforming the global monetary system toward a model that aligns with Islamic values ??of justice and balance.
Copyright (c) 2025 Afiyah Zahrah, Juwita Sifas Sembiring, Ahmad Faturrahman http://creativecommons.org/licenses/by/4.0
REVIVING THE ISLAMIC MARKET: IMAM AL-GHAZALI'S PRINCIPLES FOR FAIR AND ETHICAL ECONOMIC TRANSACTIONS
The concept of the market has existed since the time of the Prophet Muhammad SAW and has undergone significant transformations, especially in the era of Industry 4.0. This research examines the Islamic market mechanism as outlined by Imam Al-Ghazali, with a focus on the principle of tauhid. In contrast to capitalist views that advocate for a free market with minimal government intervention, Al-Ghazali's perspective integrates divine principles and ethics into economic transactions. The study utilizes a qualitative, descriptive approach to analyze secondary data from various sources, aiming to highlight how Islamic teachings can create a fair and balanced market environment. Al-Ghazali's principles suggest that a just market is founded on honesty, fairness, and mutual assistance, guided by religious values. This paper also discusses the ethical implications of market practices, urging businesses to align their activities with Islamic values to ensure long-term prosperity and divine blessing. While this study focuses on Al-Ghazali's views, future research should compare these with contemporary economic theories to deepen understanding of Islamic market mechanisms in modern economies.
Copyright (c) 2025 Mochamad Sumpena; Nurul Hikmah
PENGARUH ETIKA KERJA ISLAMI DAN KEPEMIMPINAN ISLAMI TERHADAP KINERJA KARYAWAN DI SMK AL MU’ALLIM KESUGIHAN
This study aims to determine the influence of Islamic work ethics and Islamic leadership on employee performance at SMK Al Mu'allim Kesugihan. This study uses a quantitative approach, with the population consisting of all employees at SMK Al Mu'allim Kesugihan, while the sample consists of 40 respondents, using saturated sampling technique. The data used in this study is primary data obtained through the distribution of questionnaires directly to respondents. The data analysis technique used in this study is multiple regression analysis using SPSS 26. The results of this study indicate that the test results (partial test) of Islamic work ethics with a significance value of 0.406 > 0.05, so it can be concluded that Islamic work ethics do not affect employee performance at SMK Al Mu'allim. Meanwhile, Islamic leadership has a positive influence with a partial test value and significance value of 0.001 < 0.05, so it can be concluded that Islamic leadership has a significant influence on employee performance at SMK Al Mu'allim Kesugihan. This study contributes to SMK Al Mu'allim Kesugihan in improving employee performance. The SPSS test results show that Islamic leadership has a significant effect (coefficient 0.404, sig. 0.001, Beta 0.520) on performance, while Islamic work ethics are not significant (coefficient 0.117, sig. 0.406). Both variables together explain 34.7% of performance variation (R²=0.347). The organization is advised to prioritize the development of Islamic leadership in order to improve optimal performance.
Copyright (c) 2025 April Afrianto http://creativecommons.org/licenses/by/4.0
PERAN BANK KONVENSIONAL DALAM MENDONGKRAK PEREKONOMIAN DESA PADA PEMBIAYAAN UMKM DALAM KAJIAN EKONOMI SYARIAH
The lack of Sharia economic literacy among rural MSME actors is one of the main reasons for their preference toward loans from conventional banks over Sharia-compliant financing. Limited understanding of the concept of riba (usury), Sharia contractual principles (akad), the easier access to conventional banking services, and the absence of structured Islamic financial education have further reinforced the dependence of MSMEs on interest-based financial systems. This study aims to analyze the level of Sharia economic literacy among rural MSME actors, identify the influencing factors, and formulate strategies to enhance awareness and access to Islamic financing in rural areas. Using a descriptive qualitative approach, this research is expected to contribute to the formulation of educational and inclusive policies that support the transition of MSMEs toward financing systems aligned with Sharia principles.
Copyright (c) 2025 Lutfiatun Hasanah, Ita Marianingsih
KONTRIBUSI GREEN SUKUK DALAM PEMBIAYAAN BERKELANJUTAN
Infrastructure development plays a crucial role in supporting public welfare and economic growth. The main challenge in Indonesia is how to maintain a balance between infrastructure development and environmental preservation. Green Sukuk has emerged as a sustainable, Sharia-based financing instrument that offers an alternative for the government to fund environmentally friendly projects. This study aims to analyze the role of Green Sukuk in sustainable development in Indonesia and assess its compliance with Fatwa DSN-MUI No. 137 of 2020 on Sukuk. The research method employs a literature review using secondary data from scholarly literature, papers, and regulations. The findings indicate that Green Sukuk makes a significant contribution to financing green projects such as renewable energy, energy efficiency, and waste management, supporting the achievement of the Sustainable Development Goals (SDGs). Fatwa DSN-MUI No. 137 of 2020 serves as an important guideline to ensure the alignment of Sukuk instruments with Sharia principles while enhancing investor confidence. Nevertheless, the implementation of Green Sukuk still faces challenges, including low levels of Sharia financial literacy, limited availability of green projects that meet the criteria, and regulatory constraints. A comprehensive strategy is needed to optimize the role of this instrument going forward.
Copyright (c) 2025 Muhammad Maulana Rizki
PEMIKIRAN JASSER AUDA MENUJU MAQASYID SYARIAH KONTEMPORER
Jasser Auda's thoughts begin with a critique of Ushul fiqh. This research answers first, Ushul al-Fiqh tends to be textual and ignores the purpose of the text; second, the classification of several ulus al-Fiqh theories leads to binary and dichotomous logic; third, the analysis of al-Fiqh's proposals is reductionist and atomistic. Apart from that, Jasser Auda also criticized the classic Maqasid which was too focused on individual benefit so that it was unable to answer current global problems. Therefore, Jasser Auda expands the scope and dimensions of classical maqasid theory to answer the challenges of modern times. This research uses a qualitative method with a descriptive approach. This research produces Jasser Auda's theory, namely system as an approach in Islamic law, and develops a set of categories using six system features, namely cognitive nature, interconnectedness, wholeness, openness, multidimensionality, and meaningfulness. This research also reveals the figure of the Contemporary Maqasyid syariah Thinker where He did not eliminate the maqasyid of Classical Sharia, he only developed it to suit the needs of today's society. This research is considered important in current developments with growing legal needs.
Copyright (c) 2025 Busri Busri, Selamet Selamet, luqman Luqman http://creativecommons.org/licenses/by/4.0
PENERAPAN ETIKA BISNIS ISLAM DALAM PENJUALAN ONLINE DI MEDIA SOSIAL TIKTOK
This study aims to analyze the marketing practices of Muslim entrepreneurs on TikTok and their alignment with Islamic business ethics. The main focus of this research is to examine how businesses promote halal products on social media and how well they adhere to principles of honesty and fairness in digital marketing. A qualitative research method with a descriptive approach was used, analyzing TikTok videos related to halal products. The findings indicate that although there are efforts to adhere to sharia principles, many entrepreneurs prioritize material gain without fully considering Islamic ethical values. The research also found that the use of Muslim influencers can increase consumer trust, but it also raises concerns about the integrity of the information conveyed. The findings are expected to contribute to the development of sharia marketing on digital platforms.
KONSEP ZAKAT MENURUT IMAM SYAFI'I TERHADAP DISTRIBUSI DANA BANTUAN SOSIAL
Inequality in the distribution of social assistance has become a chronic problem in Indonesia. To overcome this, a more effective mechanism is needed in identifying the most vulnerable groups of people so that assistance is really on target. Imam Shafi'i's thoughts on the distribution of zakat have made a significant contribution. His views on the object of zakat and its distribution mechanism are still very relevant to this day. This study aims to examine the concept of zakat in Imam Shafi'i's thinking and explore its potential application in increasing the effectiveness of the social assistance distribution system. This study uses a qualitative method with a literature study approach. Primary data is obtained from books by Imam Shafi'i, while secondary data comes from various literature related to zakat and social assistance. The findings of the study show that the concept of zakat of Imam Shafi'i emphasizes on principles such as the Principle of Equity (al-'Adalah), the Principle of Adequacy (al-Kifayah), the Principle of Proximity (al-Qarabah), the Principle of Usefulness (al-Maslahah), the Principle of Priority (al-Awlawiyyah), the Principle of Sustainability (al-Istimrariyyah), the Principle of Transparency (al-Syafafiyyah), and the Principle of Convenience (al-Taysir). The principles outlined by Imam Shafi'i can be a guide in designing a social assistance system that is more effective, fair, and in accordance with Islamic values.
Copyright (c) 2025 Nizar Ramadhan Al Muzakki
STRATEGI PEMASARAN SYARIAH UMKM DALAM MEMPERTAHANKAN USAHA DI ERA REVOLUSI INDUSTRI 4.0
In today's era of highly advanced development, executing marketing strategies requires adapting to the ongoing industrial revolution, which has progressed through several phases. The current phase is the Fourth Industrial Revolution (Industry 4.0), a concept introduced by the German government that aims to present a paradigm shift toward a digital future in industrial production. This study aims to explore how sharia marketing strategies are implemented by MSMEs (Micro, Small, and Medium Enterprises) to sustain their businesses in the Industry 4.0 era, with a case study on Narubi Store in Kalibaru District. This is a descriptive qualitative research using four respondents as research subjects. Data collection techniques included open observation, structured interviews, and documentation. Data analysis techniques involved data reduction, data presentation, and drawing conclusions. The validity of the data was tested through source triangulation. The findings reveal that the implementation of sharia marketing strategies by MSMEs in maintaining their business during the Industry 4.0 era at Narubi Store utilizes the 9P marketing mix, namely:1. Product: The product is marketed with full honesty, providing accurate information without exaggeration or understatement about the quality of the goods, 2. Price: Product prices reflect the actual quality of the goods being sold, 3. Place: Narubi Store is located in a strategic area that is easily accessible for both customers and couriers, 4. Promotion: Marketing is carried out through social media platforms such as Facebook, Instagram, and Shopee, 5. People (Human Resources): Employees receive training related to effective marketing techniques, 6. Process: The sales process includes greeting customers, engaging in friendly conversation, and asking what products they are looking for, 7. Physical Evidence: Internally, the store provides facilities such as a parking area, signage, and pamphlets. Externally, there is a prayer room (musholla) for employees, a toilet, uniforms for staff, business permits, and other official documentation, 8. Promise: All promises made to customers are consistently fulfilled, 9. Patience: Staff demonstrate patience in dealing with customers.
Copyright (c) 2025 Yeni Rokhilawati, Atiqatul Musyarofah, Jami’atul Aysa http://creativecommons.org/licenses/by/4.0
UPAYA PENINGKATKAN KESEJAHTERAAN MASYARAKAT BANYUWANGI DALAM PROGRAM PTSL DALAM PRESPEKTIF MAQASHID SYARIAH
Program Pendaftaran Tanah Sistematis Lengkap (PTSL) di Banyuwangi tahun 2024 bertujuan untuk meningkatkan kesejahteraan masyarakat dengan pendekatan maqasid syariah. Antusiasme masyarakat terhadap program PTSL sangat tinggi. Hal ini terlihat jelas dari partisipasi aktif warga dalam proses pendaftaran tanah, yang tidak hanya menunjukkan minat yang besar, tetapi juga kesadaran akan pentingnya kepemilikan tanah yang sah, dengan biaya dan pengurusan yang terjangkau, masyarakat sudah bisa memiliki sertifikat tanah dengan mudah. Dengan menggunakan penelitian kualitatif dengan jenis fenomenologi peneliti berusaha mengkaji dan menyelidiki fenomena yang terjadi pada masyarakat desa Kendalrejo kecamatan Tegaldlimo kabupaten Banyuwangi terhadap kejadian yang terjadi dan menarik secara komprehensif dengan melakukan wawancara, observasi, dan dokumentasi. Didukung dengan teknik purposive sampling diharapkan data yang didapat benar-benar akurat, Hasil penelitian ini menunjukan bahwa PTSL di kabupaten Banyuwangi tidak hanya berfungsi sebagai alat administratif, tetapi juga sebagai pendorong penting dalam mencapai tujuan maqasid syariah, yaitu melindungi dan memajukan kesejahteraan masyarakat. Dengan demikian, program ini diharapkan dapat menciptakan masyarakat yang lebih sejahtera, mandiri, dan berdaya saing di masa depan.
ANALISIS PENGARUH BUDAYA ORGANISASI TERHADAP BELAJAR MAHASISWA PROGRAM STUDI EKONOMI SYARIAH UNIVERSITAS ISLAM IBRAHIMY BANYUWANGI
There are differences between students who take part in organizations and those who do not. Organizational culture is a shared value shared by all members of the organization within it. In its characteristics, organizational culture can be said to be what is perceived by students and the way that perception will give rise to a certain pattern of values, beliefs and views. Basically, learning is a process of change in the human personality and this change is manifested in the form of increasing the quality and quantity of behavior such as increasing effectiveness, responsibility, discipline and initiative. Even though this difference is not very strong, it makes researchers interested in conducting this research. In this research the author used a quantitative research approach method. Based on the results of the T Test research, organizational culture variables have a partial influence on the learning of students in the Sharia Economics Study Program, Ibrahimy Banyuwangi Islamic University with a significance value of 0.000, less than 0.05 with an influence of 0.800. This can be interpreted as meaning that organizational culture has a contributing impact on the learning of students in the Sharia Economics Study Program at the Ibrahimy Islamic University, Banyuwangi.
Copyright (c) 2025 SYEHNUR BONGKAR PAMUNGKAS, Riswanda Imawan
MAKNA BERBAGI DAN BERSYUKUR DALAM SURAH AL KAHFI AYAT 46: PELAJARAN TENTANG KEKAYAAN DAN KETERGANTUNGAN PADA ALLAH
Jurnal ini membahas tentang makna berbagi dan bersyukur pada surat Al Kahfi ayat 46: pelajaran tentang kekayaan dan ketergantungan pada Allah. Pembahasan yang terdapat dalam tulisan ini adalah : pengertian al-amwal (kekayaan), jenis ÃƒÂ¢Ã¢â€šÂ¬Ã¢â‚¬Å“ jenis al-amwal (kekayaan) dan komponen-komponen yang terkandung dalam kekayaan, kedudukan dan kedudukan kekayaan dalam Al-QurÃƒÂ¢Ã¢â€šÂ¬Ã¢â€žÂ¢an, fungsi kekayaan menurut beberapa ayat dalam Al-Qur'an, implementasi makna berbagi dan bersyukur dalam kehidupan sehari-hari, ayat-ayat al-qur'an tentang al-amwal, biografi mufassir terkait tafsir al-qur'an tentang al-amwal (harta) , tafsir ayat al-qur'an tentang al-amwal dari Ibnu Katsir dan As-Sa'di, analisis perbedaan dan persamaan tafsir tentang al-amwal. Jurnal ini dibentuk dengan menggunakan tinjauan pustaka yaitu dengan mengkaji beberapa buku tafsir, jurnal, artikel, dan juga kitab Al-Qur'an. Tulisan tersebut menjelaskan bahwa Surat Al Kahfi ayat 46 memberikan pelajaran penting tentang ketergantungan dan kekayaan kita kepada Allah dengan mengajarkan arti berbagi dan bersyukur. Ayat ini menekankan pentingnya berbagi rezeki kepada sesama sebagai tanda syukur atas karunia Allah. Dengan memahami makna berbagi dan bersyukur, manusia diingatkan untuk mengingat bahwa segala sesuatu yang kita miliki berasal dari Allah.
Copyright (c) 2024 Homsaton Widia Astutik Astutik, Nabilah Yunita Nurmaliyah, Musa Al Kadzim
PENGARUH BUDAYA ORGANISASI DAN KOMITMEN ORGANISASI DALAM MENINGKATKAN INTENSI BERWIRAUSAHA MAHASISWA
There is an increase in entrepreneurial intensity among students who are members of HIPMI PT IAI Ibrahimy Genteng, while there are also students who, even though they do not yet have strong intentions, are still committed to the organization. This makes researchers interested in conducting this research. This research aims to determine the influence of organizational culture and organizational commitment in increasing the entrepreneurial intentions of students who are members of HIPMI PT IAI Ibrahimy Genteng. This type of research is associative with a quantitative research approach. Data collection techniques use participant observation techniques, questionnaires and documentation. Based on the results of the T Test research on Organizational Culture Variables, it is known that tcount equal to 0.412< t table 2,000 and a significance value of 0.681> 0.05, indicating that partially the organizational culture variable (X1) has a positive and insignificant effect on entrepreneurial intentions (Y). Meanwhile, the results of the T Test Research on the Organizational Commitment Variable were found to be t count amounting to 5,057 > t table 2,000 and the Sig value. 0.000 < 0.05, indicating that the Organizational Commitment variable has a positive and significant effect on entrepreneurial intentions (Y). Based on the results of the F test, it is known that the unstandardized coefficient (B) value of the Organizational Culture variable has a positive value of 0.041 or 4.1% and a significance value of 0.000 <0.05. Meanwhile, the unstandardized coefficient (B) value of the Organizational Commitment variable has a positive value of 0.408 or 40.8% and a significance value of 0.000 <0.05. Simultaneously, the variables organizational culture (X1) and organizational commitment (X2) simultaneously or jointly influence the entrepreneurial intentions (Y) of HIPMI PT IAI Ibrahimy Genteng members.
PENGARUH KUALITAS PELAYANAN DAN HARGA TERHADAP KEPUASAN KONSUMEN PADA PT. SYAKIRASYA WISATA MANDIRI
In the era of globalization, it is important not to ignore the role of humans in the world of work. Very tight competition in the same field of work makes people involved in it want to make optimal contributions to society, especially in the service sector in certain industries or fields of work. This research aims to analyze the influence of service quality and price simultaneously and partially on consumer satisfaction at PT. Syakirasya Wisata Mandiri. This research uses quantitative methods with data processing using multiple linear regression analysis methods. The sampling technique uses non-probability sampling with a purposive sampling selection method. The research results show that service quality and price simultaneously have a significant effect on customer satisfaction at PT. Syakirasya Wisata Mandiri. The research results show partially that the service quality variable influences consumer satisfaction at PT. Syakirasya Wisata Mandiri, it is known that the calculated T value (3.796) is more than T table (2.014) with a significant value of 0.000. Meanwhile, the price variable partially has no effect on consumer satisfaction at PT. Syakirasya Wisata Mandiri, it is known that the calculated T value (1.813) < T table (2.014) with a significant value of 0.044. The results of the coefficient of determination test show that customer satisfaction can be explained by service quality and price by 57.5%, while (100%-57.5%= 42.5%) is influenced by other variables not included in the research.
Copyright (c) 2024 Manarul Hikam, Moh. Mukhsin
ANALISIS KELAYAKAN BISNIS PADA RESTORAN HANÃƒÂ¢Ã¢â€šÂ¬Ã¢â€žÂ¢S FRIED CHICKEN DI KABUPATEN BOJONEGORO DITINJAU DARI ASPEK PASAR DAN PEMASARAN
The problem discussed in the journal is how business feasibility is viewed in terms of market and marketing aspects at the Han's Fried Chicken Restaurant in Bojonegoro Regency. And the focused benefit of this research is to find out whether the Han's Fried Chicken Restaurant on Jl. East Youth No.116 Kadipaten, Kec. Bojonegoro, Bojonegoro Regency, East Java, whether it is worth running or not. Because every aspect that is an indication in a business feasibility study must meet certain standards. The analytical method used is a descriptive qualitative approach, where this scientific method is used to build knowledge through understanding and discovery based on aspects of business feasibility studies, namely market and marketing aspects. The results of this research show that the Han's Fried Chicken Restaurant is worth carrying out reviews from marketing and market aspects by relying on promotions and the food menus served are quite varied and the prices are very pocket friendly.
Copyright (c) 2024 Rida Irmanda, Abdur Rohman, Abdur Rohman
PERAN PEMBERDAYAAN EKONOMI KREATIF DALAM KESEJAHTERAAN MASYARAKAT TINJAUAN EKONOMI ISLAM
Poverty is the main problem faced by the people of Papring Village, in the process of village and rural development. This is a reference for young people, agencies and the government, providing a strategic step in providing integrated services to the community, in order to eradicate the poverty rate that occurs in villages and rural areas. By providing empowerment to the community, to build an ideal economy. This research aims to analyze the role of creative economic empowerment in increasing income from an Islamic economic perspective, which occurs in Papring Village. This research uses descriptive qualitative research methods, using case study research and data collection by observation, interviews and documentation. The research results show that the creative economy plays an important role in improving people's welfare as evidenced by increasing sources of income, being able to channel aspirations/opinions, fostering a loyal attitude towards environmental changes, and the ability to make decisions. From an Islamic economic perspective, the creative economy plays a role in the piety of the people, the goodness of the government system, an attitude of caring, an attitude of justice and an attitude of equality.
Copyright (c) 2024 Habibulloh Habibulloh
INTERPRETATION OF SADAQAH VERSES AND HADITH IN AN ISLAMIC PERSPECTIVE
Alms is a form of sunnah practice that is highly recommended for Muslims. The practice of alms is highly recommended by Islam as evidence of concern for others. For those who give alms will be promised a reward by Allah SWT and those who receive alms will get ease in life. The results of this study state that the results of the interpretation of the Qur'an and Hadith, where the interpretation cannot be separated from the context of the times. The interpretation of the verses of the Qur'an and the hadith of the Prophet SAW, alms has a broader meaning than just helping others with money or goods. Alms also means that every Muslim carries out several practices that are directly related to social behavior and good deeds, both in the form of wealth, energy and thoughts. engage in several practices that are directly related to social behavior. For those who give alms will be promised a reward by Allah SWT and those who receive alms will get ease in life.
ANALISIS DAMPAK PEMBERIAN KREDIT MODAL KERJA TERHADAP PENINGKATAN PENDAPATAN USAHA KECIL PADA PT. BPR DELTA ARTHA PANGGUNG SITUBONDO
Bank Perkredit Rakyat (BPR) has a variety of savings products and credit products. One of its credit products is a working capital credit product. This working capital is a business capital financing credit / business operations. This research is in the form of field research or also known as qualitative research. The results showed that the procedure for disbursing working capital loans at PT. BPR Delta Artha Panggung Situbondo Branch is not complicated and the requirements required are easy to meet by small businesses, small entrepreneurs also feel no objection to the guarantee required by PT. BPR Delta Artha Panggung Situbondo Branch to take working capital credit, so that the distribution of working capital credit product funds from PT. BPR Delta Artha Panggung Situbondo Branch is deeply felt by small entrepreneurs who lack capital, because with the funds for working capital products, small entrepreneurs can be more free to add a variety of their business products.
PENGARUH KUALITAS PELAYANAN DAN KUALITAS PRODUK TABUNGAN TERHADAP TINGKAT KEPUASAN NASABAH PADA BMT AL-YAMAN BERASAN
This study aims to analyze the effect of service quality and savings product quality simultaneously and partially on the level of customer satisfaction at BMT Al-Yaman Berasan. This research uses a quantitative method with an associative approach and data management using multiple linear regression analysis methods. Statistical testing in this study used the t test, F test and R Square. Sampling is done by using accidental sampling technique. In the process of collecting data using several methods, namely observation, questionnaire (questionnaire) and documentation. Data analysis techniques were assisted with SPSS v.16 software for windows 7. The results showed that the quality of service and the quality of savings products simultaneously had a significant effect on the level of customer satisfaction at BMT Al-Yaman Berasan. The results of this study also show partially that the variable service quality does not affect the level of customer satisfaction on BMT Al-Yaman Berasan, it is known that at a value of 1.794 <Ttable 1.985 with a significant value of 0.076. While the variable quality of savings products partially influences the level of customer satisfaction on BMT Al-Yaman Berasan, it is known that the value of Thitung is 7.269> Ttable 1.985 with a significant value of 0,000. The coefficient of determination test results shows that customer satisfaction can be explained by the quality of service and the quality of savings products by 56.9%, while (100% -56.9% = 43.1%) is influenced by other variables not included in this study.
Copyright (c) 2022 Habibulloh Habibulloh, Nur Anim Jauhariyah
TINJAUAN FIQIF MUAMALAH ISLAM TERHADAP SISTEM GADUH KAMBING DI DESA BANYUANYAR KEC. KALIBARU
Not all residents of Banyuanyar village kec. Kalibaru has the capital to buy goats and breed, there are some goat breeders who are keepers of other people's goats for a profit. This system has been around for a long time. Each goat raised by breeders from other people to the system for yields is generally observed from the offspring produced. Goat maintenance work that is able to share the livelihood of its keeper. This type of research is field research with a qualitative approach, procedures for collecting information through observation, interviews and documentation. And analysis using descriptive analysis procedures. The results of the research show: A system for results in raising goats for Muslim residents in Banyuanyar Village, sub-district. Kalibaru is tried to comply with the common convention that was tried at the beginning of the agreement, the average system to be tested is 60%: 40% or 50%: 50% (between investors and custodians) investors share the capital for the purchase of goats and the custodian is responsible for keeping the goats until they are sold. For the results that are tried after the goats are sold, from this result it can increase welfare with an additional income of Rp. 500. 000, - up to Rp. 750,000 of the goats sold, so as to increase people's income and reduce poverty. Economic activities carried out for profit are stated in a mudharabah contract in which one party becomes the investor and one party becomes the executor with mutually agreed results and does not harm either party. Second, the profit-sharing system in raising goats for the Muslim community in Banyuanyar Village, Kec. Kalibaru in the Islamic economic perspective includes harmony between individual interests and the interests of the community who get mutual benefits which gives birth to the principle of social justice in the context of creating prosperity or reducing poverty with income derived from the profit sharing, economic activities carried out in profit sharing are included in the mudharabah contract where one party becomes the investor and one party becomes the executor with a mutually agreed profit sharing and does not harm either party.
Copyright (c) 2022 Nurul Hidayah, Balya Hidayat
STRATEGI PENERAPAN BMT UGT SIDOGIRI CABANG PEMBANTU SONGGON TERHADAP PEREKONOMIAN MASYARAKAT DESA SONGGON KECAMATAN SONGGON KABUPATEN BANYUWANGI
The development of the shari'ah financial industry has informally begun before the issuance of a formal legal framework as the operational foundation of Islamic banking in Indonesia. This research uses normative approach methods which means in discussing this research problem using materials related to the title of the study, both written and unwritten. The data and data sources required in this study are primary data and secondary data. Material analysis uses descriptive analysis. The results showed that the creation of various financial services that became the needs of society in general. Such as deposit products, loans, online payment services, and so on. The products used are also based on the Quran and The Hadith which certainly provides enormous benefits for the lives of all people. Because, in the use of the products offered, there is no interest (usury) to take advantage of customers. All that is used is the revenue sharing (mudharabah) between customers and BMT self-sufficient.
Copyright (c) 2022 Edy Imam Supeno, Noval mohamad Rofik
PENGARUH PENGETAHUAN DAN RELIGIUSITAS SISWA TERHADAP MINAT MENABUNG DI BANK MINI SYARIAH SMK BUSTANUL FALAH BANYUWANGI
Bank Mini Syariah SMK Bustanul Falah Is One of the Sharia Banks in SMK Bustanul Falah Banyuwangi and Which cooperates with Bank Syariah Indonesia which is usually referred to by the term (BSI), which operates with sharia principles that have a vision and mission that is to become a Sharia Bank to be the choice with the best service for customers, forming professional and trusted human resources. The main problem faced by Bank Mini Syariah SMK Bustanul Falah about the factors of knowledge and religuity of students towards saving interest. Because the interest in saving students is very little and that affects the limitations of knowledge such as performance, benefits, procedures and factors that affect students' interest in using Islamic Mini Bank products either directly or indirectly, namely the existence of religious factors or religion contained in students and students, Therefore religiosity is a spiritual value of a person in practicing the religious sharia that he believes in its use. This research includes a type of Quantitaf research where the quantitative type is a type of research in the form of numbers to test a hypothesis. The population in this study is students and students of Bustanul Falah Banyuwangi Vocational School. Using Purposive Sampling techniques, 86 students were sampled. While the data collected using questionnaires with a likert scale. Hypothesis testing is carried out by multiple linear regression analysis. The results showed that Knowledge had a positive effect on saving interest in The Mini Bank of SmK Bustanul falah, because this was obtained from the calculation of Test T, namely the value of t counting > t table (2,996 > 1,662). So H0 was rejected and Ha was accepted, so it can be concluded that knowledge affects the interest in saving in the Bank Mini sharia SMK Bustanul falah, Because this is obtained from the calculation of Test T, namely the value of t count > t table (5,418 > 1,662). So H0 was rejected and Ha was accepted, so it can be concluded that Religuity affects saving interest. So it can be concluded that knowledge and religiosity together have a significant influence on saving interest. So, when the Islamic Mini Bank will increase interest in saving, both variables both knowledge and religuity must be equally considered to achieve the desired goal. Because both have their own influence on saving interest in BankMini Syariah SMK Bustanul Falah Banyuwangi.
Copyright (c) 2022 Yeni rokhilawati, Rani Safitri
PENERAPAN KARAKTERISTIK MANAJEMEN RISIKO DALAM MEMINIMALISIR RISIKO KREDIT MACET PADA TOKO BAJU KREDIT RUMAHAN DI DESA ALASPANDAN
There are several purposes in this article, the first aims to find out what are the factors that lead to bad credit at the Home Credit Clothing Store. The second aims to provide an overview of the application of risk management in minimizing the risk of bad clothes credit at Alaspandan Pakuniran Home Credit Clothing Stores. This article uses a qualitative approach research, because the research is based on the discovery of a social phenomenon or human problem that is currently happening. The study was conducted at the residence and location of the home credit clothing store business owner located in Alaspandan Pakuniran Village, Probolinggo Regency, East Java Province. The results show that if the character and business of the buyer of credit clothing is good, it will reduce the risk of bad credit. Therefore, in deciding the provision of clothing credit by the owner of the Home Credit Clothing Store, a more thorough analysis should be carried out.
PENGARUH KUALITAS LAYANAN TERHADAP LOYALITAS NASABAH PADA PEGADAIAN SYARIAH UNIT BANYUWANGI
This study aims to determine whether there is an influence of service quality on customer loyalty at the Banyuwangi Syariah Pawnshop Unit. This research is a quantitative research. The population of this research is the customers of Pawnshop Syariah Unit Banyuwangi, where the sampling is 100 customers. Data was collected using a questionnaire method for service quality instruments. The analysis of the two instruments includes the analysis of validity and reliability. The data analysis method used is multiple linear regression analysis technique using SPSS 18 for windows 10. The results of the validity analysis show that from 5 variables proved valid, all of them are reliable. Judging from the acquisition of f arithmetic > f table (48.357>2.31), while the results of the regression equation y = -6.314+0.235X1+ 0.173X2+0.038X3+0.129X4+0.165X5 and the results of the t-test of 4 variables obtained t-count > t- table (3.131, 2.151, 2.667, 3.221 >1.98552) and 1 variable that results in t count < t table (0.623 <1.98552) it can be seen that there are 4 variables that affect customer loyalty and 1 variable does not affect customer loyalty. The influence is included in the very strong category obtained from the multiple correlation coefficient data of 0.849, which is between the values ÃƒÂ¢Ã¢â€šÂ¬Ã¢â‚¬Â¹ÃƒÂ¢Ã¢â€šÂ¬Ã¢â‚¬Â¹of 0.800-0.999. And it means Ha is accepted and Ho is rejected. Thus, it can be concluded that there is an influence of service quality on customer loyalty at the Banyuwangi Syariah Pawnshop Unit.
Copyright (c) 2021 NATUJA : Jurnal Ekonomi Syariah
PERAN LAZISNU DALAM MENINGKATKAN SOSIAL EKONOMI MASYARAKAT KECAMATAN KALIBARU KABUPATEN BANYUWANGI
One of the worships in Islam is the implementation of zakat, infaq and alms (ZIS). On the other hand, ZIZ is also an effective solution for community economic empowerment. This study aims to elaborate on the socio-economic potential and assistance of the community carried out by LAZISNU in Kalibaru District. The research method uses descriptive qualitative research with NU leaders, LAZISNU managers in Kalibaru District and the beneficiary communities as informants in the study. Data were collected by observation, interviews and documentation. The Miles and Huberman model analysis technique is used as an analytical tool. The results of this study show that the large number of Nahdiyin residents and a solid and competent management/management team have potential in the development of LAZIZNU. There are 3 excellent program models that are continuously being implemented, including: Biasiwa, NUPrenuer, and NUCare as pillars of improving the social economy of the community. In addition, the activation of the NU Deputy Branch Council at the District level, as well as the formation of new branches and UPZIS-UPZIS that can reach muzaqqi and munfiq in remote areas are efforts in institutional optimization.