Al-Maqashid: Journal of Economics and Islamic Business
Journal of Economics and Islamic Business ini dikelola oleh Program Studi Ekonomi Syariah, Fakultas Ekonomi Bisnis Islam Universitas Sunan Drajat Lamongan. Redaksi mengundang para mahasiswa, akademisi (Dosen atau Peneliti) Lamongan dan diterbitkan oleh Program Studi Ekonomi Syariah dengan Lembaga Penelitian dan Pengabdian Masyarakat Universitas Sunan Drajat Lamongan. Redaksi mengundang para mahasiswa, akademisi (Dosen atau Peneliti) dan praktisi terkait (Ekonomi Islam, Perbankan dan Keuangan Islam, Manajemen Sumber Daya Manusia Islam, Manajemen Bisnis Islam, Akuntansi Islam) untuk dapat mengirimkan artikelnya ke Jurnal AL-MAQASHID. Jurnal AL-MAQASHID diterbitkan 2 (dua) kali dalam setahun yakni pada April dan Oktober. P-ISSN : 2797-8214 E-ISSN : 2775-8931
Universitas Sunan Drajat Lamongan, Indonesia
PENGARUH RISIKO, KEMUDAHAAN, DAN KEBERMANFAATAN TERHADAP MINAT BELI DI MALL OF SERANG
Tujuan penelitian ini adalah untuk menguji dan menganalisis pengaruh persepsi risiko, persepsi kemudahaan dan persepsi manfaat terhadap minat beli di Mall Of Serang. Metode yang digunakan dengan metode kuantitatif. Populasi dalam penelitian ini adalah seluruh pelanggan Mall Of Serang. Teknik pengambilan sampel menggunakan metode purposive sampling dengan jumlah sampel sebanyak 100 orang. Pegumpulan data menggunakan kuesioner dan kemudian dianalisis dengan menggunakan uji statistic dengan metode SEM (Structural Equation Modelling) dengan menggunakan software PLS 3.0. Hasil penelitian ini membuktikan bahwa terdapat pengaruh negatif dan signifikan Persepsi Risiko terhadap Minat Beli, Hal ini berarti semakin tinggi persepsi risiko yang dirasakan pelanggan dalam menggunakan Mall Of Serang, maka semakin menurunkan minat beli di Mall Of Serang. Terdapat pengaruh positif dan signifikan Persepsi Kemudahaan terhadap Minat Beli, Hal ini berarti semakin tinggi kemudahan yang dirasakan pelanggan dalam menggunakan Mall Of Serang, maka semakin besar minat beli di Mall Of Serang. Tidak terdapat pengaruh positif dan signifikan Persepsi Manfaat terhadap Minat Beli. Hal ini berarti semakin tinggi manfaat yang dirasakan pelanggan dalam menggunakan Shoppe, belum tentu dapat meningkatkan minat beli di Mall Of Serang.
Copyright (c) 2025 Sela Novitasai, Maulana, Zahra Aulia https://creativecommons.org/licenses/by-sa/4.0
PERILAKU KONSUMEN TERHADAP KEPUTUSAN PEMBELIANDI PUJASERA KRANJI PACIRAN LAMONGAN
Pertumbuhan bisnis yang pesat tentu akan dapat memberikan kontribusi yang signifikan terhadap perkembangan ekonomi baik secara nasional maupun internasional. Namun hal ini tidak bisa lepas dengan adanya persaingan yang ketat diantara pengusaha yang ada. Oleh karena itu, para pengusaha dituntut untuk selalu menjaga kualitas produk disamping juga tidak boleh berhenti untuk melakukan inovasi. Artinya produk yang dipasarkan harus dapat memenuhi kebutuhan dan memberi kepuasan kepada masyarakat. Untuk dapat mewujudkan tujuan tersebut tentunya diperlukan strategi guna meningkatkan daya beli konsumen serta memiliki daya saing terhadap pengusaha lain yang memiliki klasifikasi produk yang sama. Persaingan dari setiap produk yang ditawarkan berdampak pada konsumen untuk membuka peluang dalam memilih varian produk yang berkualitas. Untuk menunjang minat calon konsumen dalam pengambilan keputusan pembelian secara tepat, pilihan varian produk yang ditawarkan harus berkualitas dengan harga yang kompetitif. Konsumen secara leluasa dapat memilih produk sesuai dengan seleranya, kemampuan daya belinya, dan kualitas produk sesuai yang diharapkan. Penelitian ini bertujuan untuk melihat pengaruh perilaku konsumen terhadap keputusan pembelian berdasarkan empat faktor yang didesain oleh Kotler dan Amstrong, yaitu faktor budaya, faktor sosial, faktor pribadi, dan faktor psikologi (2011:197). Desain pada penelitiuan ini menggunakan pendekatan kuantitatif yang menggunakan data berupa angka dan analisis statistik untuk menjawab pertanyaan penelitian yang diajukan. Pengumpulan data diperoleh dari jawaban responden pada kuesioner yang telah diberikan sebagai data primer pada penelitian ini. Adapun jumlah responden sebanyak 100 konsumen. Hasil penelitian menunjukkan bahwa variabel independen (perilaku konsumen: budaya, sosial, pribadi, dan psikologi) berpengaruh positif dan signifikan terhadap variabel dependen (keputusan pembelian). Berdasarkan analisis hasil penelitian menunjukkan bahwa variabel psikologi berpengaruh paling dominan terhadap keputusan pembelian di Pujasera Kranji Paciran Lamongan, yang ditunjukkan oleh indikator motivasi untuk memilih produk. Artinya konsumen melakukan pembelian di Pujasera bukan karena promosi yang disampaikan, melainkan karena kebutuhan terhadap produk dan manfaat yang telah dirasakan.
Copyright (c) 2025 Siswadi Siswadi, Ahmad Afan Zaini , M. Habibi Alauddin Al-Falih, M. Akbar Sirajuddin Al-Rifqi https://creativecommons.org/licenses/by-sa/4.0
TAX TRANSPARENCY FRAMEWORK: REKONSTRUKSI KONSEPTUAL INDIKATOR AKUNTANSI KEUANGAN UNTUK GOOD CORPORATE GOVERMANCE
Tax transparency is a crucial aspect of modern corporate governance, serving as an indicator of corporate accountability and reputation. This study develops a Tax Transparency Framework, a conceptual framework that integrates financial accounting indicators with Good Corporate Governance (GCG) principles to improve the quality of tax disclosure. The approach used is a literature-based conceptual one, with analysis of accounting standards, tax regulations, and previous research. The results of the study show that effective tax disclosure needs to include quantitative dimensions such as current and deferred tax expenses, fiscal reconciliation, and effective tax rates, as well as qualitative dimensions, including tax policy and regulatory compliance. The integration of accounting indicators and Good Corporate Governance principles produces a framework that functions as an internal control mechanism (agency theory) as well as a means of obtaining social legitimacy (legitimacy theory). This framework provides officers with practical guidance for companies in preparing comprehensive tax reports and serves as a regulatory reference for the development of tax disclosure standards, thereby increasing stakeholder trust and company reputation.
Muhammad Baharudin Yusuf Hidayatullah Hidayatullah
Copyright (c) 2025 Muhammad Baharudin Yusuf Hidayatullah Hidayatullah, Binti Shofiatul Jannah https://creativecommons.org/licenses/by-sa/4.0
TRANSPARANSI DAN TANTANGAN AKAD MURĀBAHAH BIL WAKĀLAH
This study examines the implementation of the murābaḥah bi al-wakālah contract in car financing at Bank Muamalat Indonesia, the first Islamic bank that plays a significant role in the development of Islamic finance in the country. The research background is based on the dominance of the murābaḥah contract in the financing portfolio, as well as issues related to asset ownership and the customer’s role as wakīl, which remain subject to both normative and practical debates. The objective of this study is to provide a detailed analysis of the implementation stages of the murābaḥah bi al-wakālah contract at Bank Muamalat and to assess its compliance with DSN-MUI Fatwa No.04/DSN-MUI/IV/2000. A qualitative approach with a case study method was employed, using in-depth interviews, field observations, and document analysis. The findings reveal that Bank Muamalat’s operational procedures generally comply with Islamic legal principles, covering the stages of application, agency authorization, purchase, verification, murābaḥah contract execution, and installment monitoring. Nevertheless, two critical issues remain: insufficient documentation of asset ownership and the low level of customer understanding of their role as wakīl. These gaps may potentially shift the contract into a practice resembling conventional credit. The study concludes that strengthening ownership documentation and enhancing customer education are crucial to uphold shariah compliance. Academically, this research contributes to the literature on contemporary Islamic commercial jurisprudence, while practically it provides recommendations to improve the operational procedures of Islamic banking.
Copyright (c) 2025 Muhammad zainal arifin, Umi Khusnul Khotimah, Dawud Arif Khan https://creativecommons.org/licenses/by-sa/4.0
PENGARUH PENDAPATAN, FLUKTUASI HARGA EMAS, DAN PERSEPSI EMAS TERHADAP MINAT INVESTASI PERHIASAN EMAS
Investasi emas telah menjadi instrumen yang diminati masyarakat Indonesia karena selain fungsinya sebagai perhiasan, emas juga memiliki nilai investasi jangka panjang. Penelitian ini bertujuan untuk menganalisis pengaruh pendapatan, fluktuasi harga emas, dan persepsi emas terhadap minat investasi perhiasan emas pada masyarakat di wilayah Toko Bintang Mas Ujungpangkah. Metode penelitian menggunakan pendekatan kuantitatif dengan 96 responden. Data dianalisis menggunakan regresi linier berganda melalui aplikasi SPSS. Hasil penelitian menunjukkan bahwa secara parsial, pendapatan dan persepsi emas berpengaruh signifikan terhadap minat investasi perhiasan emas dengan nilai sig. variabel persepsi emas adalah 0,000 < 0,05 dan nilai thitung 6,034 > ttabel 1,99 serta nilai sig. variabel pendapatan adalah 0,000 < 0,05 dan nilai thitung 12.820 > ttabel 1,99. Sedangkan fluktuasi harga emas berpengaruh signifikan, namun menunjukkan pengaruh yang negatif terhadap minat investasi pada perhiasan emas dengan nilai sig. 0,000 <0,05 dan thitung -4,732 < ttabel 1,99. Secara simultan, ketiga variabel berpengaruh signifikan terhadap minat investasi perhiasan emas dengan hasil yang diperoleh dari uji f yaitu nilai sig. 0,000 dan nilai fhitung 145,887. Nilai koefisien determinasi menunjukkan bahwa model regresi yang digunakan cukup baik dalam menjelaskan minat investasi perhiasan emas yaitu sebesar 0,821 atau 82,1%.
Pendapatan, Fluktuasi Harga Emas, Persepsi Emas, Minat Investasi, Perhiasan Emas.
Copyright (c) 2025 Al'miratus Sunani, Ahmad Fahim, Fatihatus Sahliyah https://creativecommons.org/licenses/by-sa/4.0
Studi literatur: Dampak Kompensasi dan Motivasi terhadap Kinerja Karyawan di Perusahaan
In achieving quality productivity, the role of human resources is crucial in assessing their ability to adapt to the times, which are full of innovation and fierce competition between companies. The purpose of this study is to determine the impact of compensation, motivation, and job satisfaction on employee performance in companies. This study employs a qualitative method with a literature review approach, utilizing academic sources such as Mendeley and Google Scholar. The findings reveal that compensation has a positive impact on employee performance. Additionally, motivation was found to have a positive effect on employee performance. Similarly, job satisfaction was also found to have a positive impact on employee performance.
Copyright (c) 2025 Resni Atikah, Endang Taufiqurahman https://creativecommons.org/licenses/by-sa/4.0
Pengaruh Bagi Hasil, Promosi, dan Kualitas Pelayanan terhadap Keputusan Nasabah Bertransaksi Simpanan Akad Mudharabah di Bprs Pamekasan
This study aims to analyze the effect of profit sharing, promotion, and service quality on members' decisions in making mudharabah savings transactions at BPRS Pamekasan. Using a quantitative approach, this study involved 100 respondents from a total population of 3,711 customers, selected through the Slovin formula and incidental sampling techniques. Data analysis was carried out using multiple linear regression to determine the factors that influence customers' decisions in choosing mudharabah savings products. Based on the results of the partial test (t-test), the profit sharing variable showed a t-value of 2.354 which was greater than the t-table of 1.660. This shows that the profit sharing variable has a significant effect on members' decisions in making savings transactions with mudharabah contracts at BPRS Pamekasan. Furthermore, the promotion variable obtained a t-value of 2.415> t-table 1.660, which also shows a significant effect on members' decisions to make transactions. This indicates that the promotional strategy carried out by the bank can influence customer preferences in choosing savings products based on mudharabah contracts. Meanwhile, the service quality variable shows a t-value of 2.393, which is also greater than the t-table of 1.660. These results indicate that service quality has a significant influence on members' decisions in making mudharabah savings transactions. The results of the simultaneous test (F-test) show that the F-value of 7.263 is greater than the F-table of 2.70. This means that simultaneously, the profit sharing, promotion, and service quality variables have a significant influence on members' decisions in making savings transactions with mudharabah contracts at BPRS Pamekasan. This finding shows that the success of Islamic financial institutions in attracting customers' interest in savings products does not only depend on the amount of profit sharing, but also on the effectiveness of the promotion and the quality of service provided. These three factors simultaneously form positive customer perceptions of Islamic savings products
Bagi Hasil, Promosi, Kualitas Pelayan, Keputusan Anggota
Copyright (c) 2025 Fadali Rahman, Achmarul Fajar, Junaidi Efendi, Aang Kunaifi, Ainul Fajar https://creativecommons.org/licenses/by-sa/4.0
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT UNTUK BERINVESTASI DI REKSADANA SYARIAH DI KOTA LHOKSEUMAWE
Penelitian ini bertujuan untuk menganalisis pengaruh literasi investasi, return, risiko, dan imbal hasil terhadap minat masyarakat untuk berinvestasi di Kota Lhokseumawe yang sesuai syariah. Investasi pada reksadana syariah. menjadi alternatif yang menarik bagi masyarakat luas yang ingin hidup sesuai prinsip syariah tanpa terkecuali. Tantangan utama dalam penelitian ini adalah tingkat partisipasi masyarakat terhadap instrumen investasi syariah, meskipun potensi pasarnya masih besar. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei melalui kuesioner yang diberikan kepada masyarakat Lhokseumawe, yang dianggap sebagai sampel dengan menggunakan metode Slovin. Analisis data menggunakan regresi garis berganda dengan software SPSS. Berdasarkan temuan penelitian, variabel literasi investasi, pendapatan, risiko, dan imbal mempunyai pengaruh yang signifikan terhadap sentimen masyarakat secara umum. ketika berinvestasi dalam peraturan syariah. Secara bersamaan, variabel ini juga mempunyai pengaruh yang signifikan terhadap minimum investasi. Semua ini menunjukkan bahwa peningkatan literasi investasi dan pemahaman terhadap risiko dan ketidakseimbangan dapat mendorong partisipasi masyarakat dalam investasi berbasis syariah. Penelitian ini diharapkan dapat membantu meningkatkan kesadaran tentang uang syariah di Indonesia, khususnya di wilayah Lhokseumawe.
Copyright (c) 2025 Putri Nardiaton, Muhammad Hafizh https://creativecommons.org/licenses/by-sa/4.0
PENERAPAN LABEL HALAL DALAM PENINGKATAN PENDAPATAN DAN PENGEMBANGAN USAHA
Tujuan dari penelitian ini adalah untuk menganalisis dan mendeskripsikan penerapan label halal yang dilakukan UD.Agung Jaya dalam meningkatkan pendapatan dan pengembangan usaha petis udang. Pokok dari masalah penelitian ini adalah pentingnya label halal sebagai jaminan untuk kepercayaan konsumen terhadap produk petis udang yang dipasarkan, memperlihatkan dampak positif sertifikat halal mengalami peningkatan pendapatan. Dengan menerapkan label halal di UD.Agung Jaya juga mendorong inovasi produk baru salah satu nya varian petis udang dengan varian bawang putih, selain mengambangkan produk baru UD.Agung Jaya juga berhasil memperluas jaringan distribusi dari 10 toko menjadi 16 toko. Dengan bertambahnya pendistribusian produk ini juga mudah di jangkau lebih banyak pelanggan.
Copyright (c) 2025 Layyinah wilda, Niswatun Hasanah, Fatihatus Sahliyah https://creativecommons.org/licenses/by-sa/4.0
Analisis Prediksi Kebangkrutan dengan Model Altman Z-Score pada Perusahaan Sub Sektor Food and Beverages yang Terdaftar di Bursa Efek Indonesia Periode 2019-2023
The purpose of this study was to analyze the potential for bankruptcy or financial distress in food and beverages sub-sector companies with the 2019-2023 research period using the altman z-score method. This research is a quantitative type of research using secondary data, the sample companies used are food and beverages sub-sector companies listed on the Indonesia Stock Exchange in 2019-2023. Based on the existing criteria determined by the author, a total of 4 companies that match the existing criteria or benchmarks and the method of sampling using purposive sampling method. The analysis technique uses the altman z-score method. The results of this study indicate that there are two companies that are in the healthy category and there are two companies that are analyzed equally into the category of bankruptcy or distress in each year of research, namely PT Indofood Sukses Makmur Tbk and PT Tri Banyan Tirta Tbk. Because all the results of the calculation of the two companies in each year produce numbers below the cut off value of 1,81 in accordance with the altman z-score method that applies to both companies experiencing financial distress. And the other two companies, namely PT Akasha Wira International Tbk and PT Mayora Indah Tbk, entered into a healthy condition.
Copyright (c) 2025 Al-Maqashid: Journal of Economics and Islamic Business https://creativecommons.org/licenses/by-sa/4.0
Literasi Keuangan Nasabah terhadap Pemahaman Sistem Pembiayaan Pegadaian Syariah di Indonesia
This research aims to analyze the relationship between customer financial literacy and understanding of the financing system implemented at Sharia Pegadaian in Indonesia. Financial literacy, which includes knowledge, skills and attitudes towards financial management, plays an important role in supporting wise financial decision making, especially in the context of Islamic financial services. This study uses library research. The research results show that customers' financial literacy levels still vary, with several main obstacles such as a lack of understanding of sharia contracts and sharia-based financing mechanisms. Statistical analysis shows a significant positive relationship between financial literacy and understanding of the sharia financing system. These findings emphasize the importance of structured educational efforts to increase financial literacy, especially among people who have not been optimally served by formal financial institutions.
Kajian Ayat-Ayat Ekonomi dalam Al-Qur'an: Panduan Perdagangan Islami Berdasarkan Tafsir Tematik
This study discusses the economic verses in the Qur'an as a guide to Islamic trade, with a thematic interpretation approach. The scope of the study includes the principles of trade such as justice, honesty, prohibition of usury, and recommendations for halal transactions. The aim is to formulate the concept of Islamic trade based on the values ​​of the Qur'an that are relevant to modern economic practices. The study uses a qualitative method with thematic analysis of the verses of the Qur'an, supported by classical and contemporary interpretations. The results show that the Qur'an provides holistic guidelines in trade, emphasizing ethics, balance, and social responsibility. The conclusion of the study confirms that the application of Islamic economic values ​​can create a fair and sustainable trade system
Konsep Kepemilikan dalam Islam sebagai Pondasi Terciptanya Green Economy di Era Modern
This article explores the relationship between the Islamic concept of ownership and the implementation of green economy principles in the modern era. In Islam, ownership is not an absolute individual right but a trust (amanah) that must be managed responsibly, emphasizing the welfare of the community and environmental sustainability. This aligns with the green economy's focus on environmental sustainability and social justice. By analyzing QS. Al-Baqarah: 188 and QS. An-Nur: 33, the article highlights how these verses advocate for the responsible management of natural resources without causing harm to the earth, prioritizing sustainability. Additionally, the concept of maqashid al-shariah, which emphasizes the protection of wealth and life, serves as a foundation for the implementation of green economy principles. Wise management of natural resources, as advocated in Islam, can provide a robust framework for fostering a sustainable economy. By integrating Islamic principles into resource management, a green economy rooted in Islamic values offers an alternative to achieving sustainable prosperity for humanity and environmental preservation for future generations.
Etika Bisnis Syariah di Tengah Perkembangan E-Commerce: Kajian Kualitatif dari Literatur Islam
This research explores the application of sharia business ethics in rapidly growing e-commerce. Although e-commerce makes transactions easier, it presents challenges to ensure compliance with sharia principles such as honesty, fairness and transparency. This study uses a qualitative approach based on Islamic literature to identify technologies such as blockchain and sharia fintech proposed to reduce the risk of sharia violations. This research emphasizes the importance of strict regulations, effective supervision, and the application of sharia values ​​in e-commerce to increase consumer trust and create a sustainable business ecosystem in accordance with Islamic teachings.
Implementasi Mandatory Sertifikasi Halal terhadap Umkm Usaha Pemotongan Unggas di Desa Poter Kecamatan Tanah Merah
Halal certification has an important role in micro, small and medium enterprises, especially in poultry slaughtering businesses. This certification refers to the recognition that the product meets Islamic sharia standards, which is very important for Muslim consumers. A poultry slaughterhouse is a place where the process of slaughtering animals such as chickens, ducks, geese, and others that are processed for meat occurs. This poultry slaughterhouse is usually equipped with various facilities to ensure that the slaughtering is carried out hygienically and in accordance with food safety standards. In this case, halal certification is very important, because it can be used as a reference in ensuring that all meat production processes are in accordance with Islamic sharia principles. The purpose of this study was to determine how the implementation of halal certification and mandatory halal certification for Poultry Slaughtering businesses, this study is expected to make poultry slaughtering business actors aware of the importance of halal certification in micro, small and medium enterprises in the poultry slaughtering business. One of the poultry slaughterhouse s in Poter Village, Tanah Merah District, which is the main place for slaughtering poultry to be studied. The research methodology used is qualitative with a field research approach, involving interviews and direct observation at the research location.
Copyright (c) 2024 Al-Maqashid: Journal of Economics and Islamic Business
Audit Internal (Kas dan Teller ) pada Lembaga Keuangan Perbankan
Internal audit is an important procedure performed to assess internal controls in financial institutions, particularly in cash management and tellers. The purpose of this audit is to provide protection to the bank's financial assets and ensure that an effective supervisory system is in place. In this study, the authors evaluated the effectiveness of internal audit in detecting and preventing fraud, as well as ensuring compliance with applicable regulations. The methods used include qualitative and quantitative analysis to collect relevant data and support the research findings. Systematic implementation of internal audit can improve the security and reliability of bank operations. Internal auditors play an important role in identifying risks and providing significant improvement recommendations. This research also emphasizes the importance of training for auditors to improve their ability to perform their duties, thus adding value to the organization. Thus, internal audit serves not only as a control tool, but also as an important line of defense in maintaining the integrity of bank reports and operations.
Strategi Sukses Wirausaha Perempuan Menghadapi Tantangan dan Peluang di Bulan Ramadhan
Ramadan is a special month for Muslims around the world, including Indonesia. During the month of Ramadan, Muslims will fast and increase their worship and good deeds. However, the month of Ramadan can also provide opportunities and challenges for the business world. especially for female entrepreneurs so that female entrepreneurs need to understand the cultural and religious context that surrounds the month of Ramadan, while still adapting to the ever-changing dynamics of business. This involves culturally sensitive marketing strategies, adjustments to operating hours, and innovations in offering products or services that suit consumer needs during the fasting month. In this study, a descriptive qualitative approach was used, data was obtained using observation, interview, and documentation methods. Furthermore, the data was analyzed through several stages starting from data collection, data reduction, data presentation and drawing conclusions. Then data triangulation was carried out to test the validity of the data. The results of this study indicate that women have great potential to achieve their success. Although faced with various challenges and obstacles such as changes in consumption patterns and limited time, women can take advantage of opportunities by implementing smart and innovative strategies. Some strategies that can help women face challenges and maximize business opportunities during the month of Ramadan include: a deep understanding of consumer needs and preferences during the month of Ramadan, flexibility in adjusting operating hours and marketing strategies, creativity in developing products and services that are in line with the Ramadan theme.
Pengaruh Penerapan Marketing Mix terhadap Minat Nasabah Pada Investasi Emas di Bank Syariah Indonesia KCP Surabaya Diponegoro 2
Marketing Mix is a marketing activity that is integrated and mutually supports each other. This means that the marketing mix is used by the company to achieve its goals in the target market. Meanwhile, Sharia Marketing is a strategic business discipline that directs the process of creating, offering and changing value from an initiator to its stakeholders, which in the entire process is in accordance with the contract and principles of muamalah (business) in Islam. So, the purpose of this research is to measure the desires/interests of a customer based on interest in a gold investment product by implementing marketing carried out by employees. This research uses quantitative descriptive research methods. Research methodology is a rational, empirical and systematic way of scientific thinking used by researchers in a scientific discipline to carry out research activities. The results of this research show that: The implementation of the Marketing Mix at BSI KCP Surabaya Diponegoro 2 is included in the good category, as evidenced by the results of descriptive statistical analysis of 89% and customer interest in gold investment is also in the good category of 88%. Based on the T Test results, the calculated t value was 3.856 and the Sig. of 0.001. So, because the calculated t value > t table is 3.856 > 2.048 and the Sig. namely 0.001 < 0.05, then H0 is rejected and H1 is accepted, which means that partially there is an influence between (X) and (Y). Based on the R test results, the R Square value analysis results were 0.347. This value shows that the effect of implementing marketing mix on customer interest is 34.7%.
Pengaruh Program Sertifikasi Halal terhadap Penjualan Produk Umkm Bidang Pangan di Kabupaten Gresik
This study aims to determine the effect of the halal certification program on the sales of MSMEs in the food sector in Gresik Regency. The halal certification program itself is a form of government effort to protect its citizens who are predominantly Muslim from food and drinks that are forbidden by God for consumption by Muslims. The halal certification program is mandatory for MSME actors, especially in the food sector, including in Gresik Regency. The research method uses a quantitative approach. The population in this study were MSME actors in the food sector who had been halal certified in Gresik Regency. While the sample in this study was determined by the slovin method from the population. The problems that are sought to be answered through this study are: a) How is the halal certification program for MSME products in the food sector in Gresik Regency? b) How are the sales of MSME products in the food sector in Gresik Regency? and c) Is there an effect of the halal certification program on the sales of MSME products in the food sector in Gresik Regency? Data were collected through distributing questionnaires using the non-probability sampling technique, purposive technique. The results of the study showed that the halal certification program had an effect on product sales.
Pengaruh Penerapan Nilai-Nilai Syariah dan Kualitas Pelayanan terhadap Kepuasan Nasabah (Studi Kasus: Bank Syariah Indonesia KCP Sumberrejo Bojonegoro)
This study aims to test and analyze the effect of the application of Sharia values and service quality on customer satisfaction (study at Bank BSI KCP Bojonegoro Sumberrejo). The population of this study was customers of Bank BSI KCP Bojonegoro Sumberrejo, with a saturated sample of 30 respondents. The analytical methods used in this study are validity tests, reliability tests and multiple linear regression. The results showed that partially the variable application of Sharia values did not affect customer satisfaction. Meanwhile, partially the variable of service quality has a significant effect on customer satisfaction. And simultaneously the variables of the application of sharia values and the quality of service have a positive and significant effect on customer satisfaction
Peran Perempuan dalam Perekonomian Keluarga Petani di Pantura Kecamatan Brondong Kabupaten Lamongan
Many women from the north coast of Lamongan work in the vegetable trading sector because this sector is able to provide a regular source of income. Apart from that, the vegetable farming sector also provides enormous opportunities for the involvement of women because the jobs that work in the circulation of vegetable farmers are very young. This research focuses on the role of women in their work that runs in the agricultural sector and whether the role they build can make a bargaining position in family decision-making. This research was conducted at a vegetable market located in Sendangharjo Village, Pambon and Sedayu, Lamongan. In this study used a descriptive qualitative approach, the data obtained using the method of observation, interviews, and documentation. Furthermore, the data was analyzed through several stages starting with data collection, data reduction, data presentation and drawing conclusions. Then triangulation of data was carried out to test the validity of the data. The results of the study show that the role of women fish traders who have an incomprehensible sense of why they have to work is very influential in improving the family's economy. At the level of access and control, women have made progress, even though men tend to be in a superior position. For those same people, they have been mutually dependent and supported in their roles between husband and wife
Determinan Keputusan Pembelian Produk Makanan dan Minuman: Analisis Peran Sertifikasi Halal, Kualitas Produk, dan Harga di Rocket Chicken Cabang Yogyakarta
The food and beverage industry in Indonesia has experienced rapid development, especially with increasing consumer awareness of halal products. This also drives up the demand for halal products, especially halal food and beverage products, which are the primary needs of Muslims. Therefore, this research aims to examine the influence of halal certification, product quality and price on purchasing decisions for food and beverage products at Rocket Chicken Yogyakarta Branch. In this research, Rocket Chicken is considered to be a very potential research object because it is one of the developing types of Micro, Small and Medium Enterprises (MSMEs) which operates in the culinary sector. The method used in this research is the Multiple Linear Regression model by taking 66 respondents with the help of data processing using Eviews 10 software. The results of this research prove that halal certification and price have a significant influence on food and beverage purchasing decisions at Rocket Chicken Branch Yogyakarta. Meanwhile, separately, only the product quality variable was not significant. Therefore, MSMEs at Rocket Chicken Yogyakarta Branch must obtain halal certification, pay attention to product quality and price to increase consumer purchasing power for their products.
Pentingnya Manajemen Keuangan dalam Lembaga Pendidikan
Schools become producers of individuals who are intellectually capable and skilled. School is a formal educational environment, as well as forming students' personalities whose aim is to achieve 3 factors, namely cognitive, affective and psychomotor aspects. This research aims to answer, describe and analyze the research problem formulation which consists of: How is Financial Management in Educational Institutions?, (2) What are the Principles of Financial Management in Educational Institutions?. The research method used in this research is a qualitative research method. Qualitative research is a type of research whose findings are not obtained through statistical procedures or other forms of calculation. Qualitative research methods are used to obtain in-depth data, data that contains meaning. Therefore, qualitative research does not emphasize generalization. The type of research used is field research, namely research going into the field to make observations about a phenomenon in a natural state. The results of this research concluded that: (1) The aim of financial management in educational institutions is to maximize company value, (2) the function of financial management in educational institutions is the main activity that must be carried out by those responsible in certain fields. (3) Financial Management plays a big role in running a company or educational institution because a good financial system will produce good products too.
PRILAKU KONSUMEN DALAM ISLAM (Kajian Prinsip-prinsip Konsumsi dalam Perspektif Ekonomi Mikro Islam)
Consumption activities or efforts to fulfill the needs that humans want, one of which must make a sacrifice by giving up something of value or value with something that they want. In other words, there are many activities that we carry out, including those that we often do, commonly called buying and selling. Islam sees the concept of buying and selling as a tool to make people more mature in their way of thinking and carrying out various economic activities. This research aims to answer, describe and analyze the research problem formulation which consists of: 1) What are the objects of consumption, (2) What are the consumer behavior assumptions?, (3) What are the principles of consumer behavior, (4) Consumer satisfaction criteria The research method used in this research is the literacy study or library research method. Literacy studies are written summaries of articles from journals, books and other documents that describe theories and information both past and present, organizing literature into the required topics and documents. The results of this research concluded that: Consumption is not just an activity of eating or drinking, but is an activity of using goods or services that can directly satisfy individual human needs. Thus, consumption can be concluded as an activity to fulfill needs in order to achieve satisfaction. Assumptions. Consumption must prioritize aspects of morality and social responsibility. Consumption is controlled by at least five principles, namely: Justice, cleanliness, simplicity, generosity and morality. Factors that influence satisfaction. Consumer: Product, service, emotional, cost and price.
Copyright (c) 2023 Al-Maqashid: Journal of Economics and Islamic Business
ANALISIS INOVASI DENGAN METODE BUSINESS MODEL CANVAS DAN TEN TYPES OF INOVATION PADA LAZISMU UNIVERSITAS MUHAMMADIYAH GRESIK UNTUK MENINGKATKAN PENDAPATAN
Fundraising or fundraising is important so that civil society organizations can take part in a sustainable manner. Fundraising Lazismu UMG has grown rapidly, currently it has been able to help more than 200 mustahik. Lazismu UMG continues to be determined to make various innovations so that it can help more people in need. This study aims to determine industry analysis, fundraising competitors and the internal conditions of Lazismu Muhammadiyah Gresik University from the perspective of the Ten Types of Innovation method. Furthermore, to find out what innovative tactics can be chosen so that Lazismu Universitas Muhammadiyah Gresik can increase donation revenue. Research data obtained through interviews, observation and documentation. Interview 1 leader of Lazismu UMG, 3 volunteer members, and 2 competing zakat institutions. Based on the implementation of the research, the results of the analysis of the Business Model Canvas Lazismu UMG were obtained. From this research it was also found that Lazismu UMG data had implemented 3 tactics of the Ten Types of Innovation namely Collaboration, Simplification Experience and Superior Product. In addition, this study found two new tactics that are suitable for use by Lazismu UMG, namely Brand Extension and Personalized Service
Fundraising, Business Model Canvas (BMC)
IMPLEMENTASI ETIKA BISNIS ISLAM DALAM PENGELOLAAN USAHA KOPONTREN (Studi Kasus: Kopontren Qomaruddin Bungah Gresik)
Judging from the continued increase in the number of students at the Qomaruddin Islamic Boarding School, it will always be accompanied by the increasing needs of the students that must be met, starting to increase the number of students will indirectly have an impact on the increase in several businesses. Kopontren business development is one way to improve the economy at the Qomaruddin Bungah Gresik Islamic boarding school. This research aims to determine the implementation of Islamic business ethics in the management of the Qomaruddin Kopontren business using qualitative methods with a descriptive approach starting from observation techniques after which data analysis is carried out from interviews and other sources. The results of this research indicate that the application of business ethics at Kopontren Qomaruddin generally works well in conventional or general business settings, whereas in the perspective of Islamic business ethics it goes well following the guidelines for Islamic business ethics but there is an interest system run by the Qomaruddin Kopontren which contains elements of usury which is forbidden in Islam. So that the application of Islamic business ethics has not been fully realized.
IMPLEMENTASI PRINSIP EKONOMI ISLAM DALAM JUAL BELI ONLINE DENGAN SISTEM DROPSHIPPING
The aim of this research is to determine the application of Islamic economic principles in the online buying and selling of dropshipping systems carried out by PPTQ Al-Hasan Ponorogo students. This type of research for field research using qualitative methods. The techniques used in this study were interviews and documentation. After the data has been collected, it will be analyzed qualitatively descriptively. The results of this research include the following: 1) The application of Islamic economic principles has not been fully implemented well and female students have little understanding of Islamic economic principles and they do not know the principles of Islamic economics, 2) supporting factors make it easier for students to start an online business with a dropshipping system, they can start a business anywhere, it's easy to find consumers. The inhibiting factor is the limited operation of cellphones when you want to sell all the time, you don't know the stock of goods from consumers, 3) the impact of buying and selling online with the dropshipping system has two impacts, namely positive and negative
POTENSI PENGEMBANGAN WISATA HALAL DALAM MENINGKATKAN EKONOMI MASYARAKAT (Studi Objek: Wisata Halal Kebun Kurma Desa Karanglo Sukorejo Pasuruan)
The tourism industry plays an important role in the global economy as it is considered as one of the contributing factors to employment growth and economic growth in any country. In Karanglo Sukorejo Village, Pasuruan, there are tours where the majority of the people are Muslim, so there is a need for an understanding of tourism in accordance with sharia rules and principles. Therefore, researchers conducted research with the title "The Potential for Development of Halal Tourism in Improving the Community's Economy (Study Object: Halal Tourism of Dates Gardens, Karanglo Sukorejo Village, Pasuruan). The purpose of this study is first to explore the potential for developing halal tourism in date plantations and secondly the impact of developing halal tourism on date plantations in improving the economy. community economy. The type of research is qualitative research using descriptive methods. While the research tools used by researchers in this study were observation, interviews and documents. From the results of the study it is known that the existence of halal tourism in date palm plantations has a positive impact on the economy of the local community because the development of this halal tourism area opens up job opportunities and also creates new jobs, especially for local communities.
Prinsip Dasar Operasional Perbankan Syariah
Banking fundamentals play an important role as a framework for all transactions in the field of Islamic finance, including muamalah. Free maghrib (maysir, gharar, haram, usury, and batil), trust and prudence in the administration of Islamic financial activities, and contract-based principles are the basic principles of Islamic finance. These three guidelines should be followed in various activities as they are based on Islamic sharia and the Qur'an and Hadith
SINERGITAS ALUMNI DAN PONDOK PESANTREN SUNAN DRAJAT LAMONGAN DALAM PEMBERDAYAAN EKONOMI MASYARAKAT
Sinergitas Alumni dan Pondok Pesantren Sunan Drajat Lamongan dalam pemberdayaan ekonomi masyarakat adalah artikel yang berupaya menjawab pertanyaan bagaimana sinergitas alumni dan Pondok Pesantren Sunan Drajat Lamongan dalam pemberdayaan ekonomi masyarakat, dengan mengulas dari sisi sinergi para alumninya dan masyarakat pada umumnya dalam program pemberdayaan ekonomi sangatlah penting karena pondok pesantren saat ini dituntut menampakkan kolaborasinya sehingga pesantren tidak hanya mampu meluluskan santrinya paham ilmu agama saja, namun juga dituntut memiliki pengetahuan yang luas, kemampuan manajerial serta keahlian yang sifatnya entrepreneurship sebagai media simbiosis mutualis antara alumni dengan pesantren. Penelitian ini merupakan field research dengan pendekatan kualitatif yang bersifat deskriptif analitis. Teknik pengumpulan datanya menggunakan interview, obsevasi dan dokumentasi tentang program-program yang bersinergi dengan para alumninya dalam pemberdayaan ekonomi. Kemudian data-data tersebut diolah dan dianalisis dengan pola diskriptif-induktif. Hasil penelitian ini menunjukkan adanya implementasi sinergi oleh pesantren dengan para alumninya pada pemberdayaan ekonomi. Dengan sinergi tersebut memberikan ruang yang luas bagi pesantren untuk bisa mengembangkan potensi yang dimilikinya begitupula sebaliknya, implikasinya tercipta sinergi saling menguatkan antara alumni dengan pesantren. Bentuk-bentuk pemberdayaan bisa dilihat pada terciptanya pola hubungan antara Pondok Pesantren Sunan Drajat Lamongan dengan alumni melalui pemberdayaan ekonomi dengan model teori triple helixs.