2026-05-16T21:52:21Z https://ejournal.unsuda.ac.id/index.php/ekis/oai

oai:ojs2.ejournal.unsuda.ac.id:article/45 2023-05-27T22:04:51Z MPI:ART

oai:ojs2.ejournal.unsuda.ac.id:article/1134 2024-09-21T17:02:20Z MPI:ART

oai:ojs2.ejournal.unsuda.ac.id:article/86 2023-11-27T20:27:14Z ekis:ART

Analisis Perbandingan Gadai Syariah dan Gadai Konvensional di Tinjau Hukum dan Prinsip Putra, Dewa Pratama Wati , Asiah Sharia Pawn (Rahn) Conventional Pawn Pawn is a right acquired by an individual who owes a movable property, which is handed over to them by a debtor or a representative, granting the debtor the authority to receive payment for the goods in advance compared to other debtors, excluding auction costs and salvage expenses. Sharia pawning (known as Rahn) involves using one of the borrower's assets as collateral for the loan they receive. This study seeks to establish a comparison between conventional pawning and sharia pawning (rahn). The research aims to provide insights and understanding to all relevant parties regarding the comparative aspects of conventional pawning and sharia pawning (rahn). The research methodology employed is library research, utilizing data collection techniques such as gathering books, journals, and previous works related to conventional pawning and sharia pawning (rahn). The researcher employs qualitative data analysis for data interpretation. Based on the described research, it can be concluded that both conventional pawns and sharia pawns share similarities in that they are prohibited from exploiting the pawned goods, and the pawnee has the right to sell or auction the pawned goods once the loan period expires. The distinction between conventional pawning and sharia pawning lies in the legal foundation. Conventional pawning relies on the Criminal Code, while sharia pawning is guided by the DSN MUI Fatwa on Rahn. In conventional pawning, the contract involves a single debt agreement with a movable goods guarantee from a conventional legal perspective. The Ministry of SOEs oversees conventional pawning, while the Sharia Supervisory Agency (BPS) and the Financial Services Authority (OJK) oversee sharia pawning. Conventional pawns involve interest charges, whereas sharia pawns incur maintenance costs. In conventional pawning, pawned goods can be auctioned, while in sharia pawning, they can be sold. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-07-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/86 10.55352/ekis.v5i2.86 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 42-57 2828-6278 2655-5492 10.55352/ekis.v5i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/86/532 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/304 2023-05-26T01:10:36Z ekis:ART

Model Pengelolaan LA Mart Dalam Meningkatkan Kesejahteraan Karyawan (Study di Desa Drajat Paciran Lamongan) Siti Maskhanah Sutopo, Sutopo Product quality, Direct Marketing, Buying decision Consumer Behavior or consumer behavior is an action taken by consumers to achieve and fulfill their needs both to use, consume and spend goods and services. In the people of Drajat Village, Banjarwati Village, and Banjaranyar Hamlet, research will be carried out on the Consumer Behavior of the community in choosing halal cosmetic products. This study aims to find out how consumer behavior is in choosing halal cosmetic products in the people of Drajat Village, Banjarwati Village, and Banjaranyar Hamlet. The approach in this research is quantitative research. The population in this study were the people of Drajat Village, Banjarwati, and Banjaranyar Hamlet with 100 people samples taken by probability sampling technique. The independent variable in this study is Consumer Behavior (X) while the dependent variable is the decision to choose halal products (Y). Data collection techniques in this study were questionnaires and observations. Test the instrument using the validity test and reliability test. Data analysis technique using simple linear regression analysis. Based on the results of the study, the test on cultural factors obtained a significance value of Tcount less than Ttable (0.457>0.192), test results on social factors obtained a significance value of Tcount smaller than Ttable (0.356>0.192), test results on personal factors obtained a significance value of Tcount greater than Ttable (0.591> 0.192), test results on psychological factors obtained a significance value of Tcount smaller than Ttable (0.506> 0.192). From this explanation it can be concluded that the personal factor with the PRB indicator code 2 (has the greatest significance value for Consumer Behavior in choosing halal cosmetic products in Drajat Village, Banjaranyar, and Banjarwati Hamlet, namely (0.591> 0.192), then H0 is rejected and Ha is accepted. Meanwhile, other factors have a smaller significance value than personal factors.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-07-21 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/304 10.55352/ekis.v3i2.304 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 2 (2021): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 93-104 2828-6278 2655-5492 10.55352/ekis.v3i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/304/297 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/305 2023-05-26T01:10:36Z ekis:ART

Pengaruh Pelatihan dan Motivasi terhadap Kinerja Karyawan Tenun Ikat Bandar Kidul Kediri (Studi UD. Medali Mas) Zahrotul Jannah Dymas Yulia Putri Kusumaningtyas Training, Motivation, Employee performance The development of increasingly advanced technology requires every company to look for quality human resources so that the company becomes the best. .To get quality human resources, a company must be able to provide situations and conditions that might improve the abilities and skills of employees. .in this case UD.Medali Mas provides skills for employees through providing training and providing encouragement through motivation . This study aims to answer, describe and analyze the formulation of the problem; 1) How is the effect of training on the performance of UD. Medali Mas weaving employees. .2) How is the influence of motivation on the performance of UD. Medali Mas weaving employees. 3) How is the simultaneous influence of training and motivation on the performance of UD.Medali Mas ikat employees.This type of research uses quantitative research methods with data collection using questionnaires, interviews, documentation. While the data analysis technique used was multiple regression test, T test and F test. The results of this study are 1). There is a positive effect of training on the performance of UD. Medali Mas weaving employees. Because based on the test which shows that the T count is 2.656 while the T table is 1.984. 2). .there is a positive influence of motivation on the performance of UD. Medali Mas ikat employees. This is because based on the test which shows that the T count is 2.306 while the T table is 1.984. 3). .The results of the simultaneous analysis showed that there was a positive and significant influence between the variables of training and motivation on the performance of the ikat weaving employees at UD. Medali Mas. With the calculated F result of 47,033 and the F table of 3,09   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-07-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/305 10.55352/ekis.v3i2.305 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 2 (2021): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 105-119 2828-6278 2655-5492 10.55352/ekis.v3i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/305/298 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/306 2023-05-26T01:10:36Z ekis:ART

Preferensi Santri Putra pada BMT Sunan Drajat Paciran Di Pondok Pesantren Sunan Drajat Lamongan Fatkhur Rouf Muhammad Awaludin Islam Musbikhin, Musbikhin Santri Preferences, BMT Sunan Drajat BMT Sunan Drajat is a sharia financial institution within the pesantren environment. Therefore, the preference of students for participating in saving at BMT Sunan Drajat needs to be taken into account. This study aims to find out how the preferences of students at BMT Sunan Drajat. While the research methodology uses a quantitative approach methodology with testing starting with theories or hypotheses using the chi square approach. The results of this study show that the calculated Chi Square value is 14.474. Because the Chi Square value is > 13.362, based on the basis for making the decision above, it can be concluded that H0 is rejected and Ha is accepted. Thus it can be interpreted in terms of facilities that male students have a good preference for BMT Sunan Drajat   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/306 10.55352/ekis.v3i2.306 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 2 (2021): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 120-129 2828-6278 2655-5492 10.55352/ekis.v3i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/306/300 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/308 2023-05-26T01:10:36Z ekis:ART

Strategi dalam Meningkatkan Kepuasan Anggota Penabung dengan Akad Wadi’ah di Kantor Pusat Baitul Mal Wattamwil (BMT) Sunan Drajat Muhammad Syaichul Fatoni Siswadi, Siswadi Risma Damayanti Strategy, Satisfaction, Members, BMT Achieving overall customer satisfaction is not easy because today's customers are increasingly educated and aware of their rights. In addition, each customer has a different level of satisfaction even though they need the same product. The process of fulfilling customer satisfaction does not only require quality products or services but also requires efforts that can increase the level of customer satisfaction. By identifying and measuring member satisfaction, several strategies can be determined to be decided next. Strategy is the steps that must be taken by a company to achieve its goals. This research was conducted at BMT Sunan Drajat Center with the aim of knowing the strategy and analyzing the supporting and inhibiting factors at BMT Sunan Drajat to increase customer satisfaction with wadi'ah contracts. BMT Sunan Drajat's strategy in increasing customer satisfaction with wadiah contracts is the absence of admin fees, the implementation of a ball pick-up system, the presence of SMS masking as a customer notification regarding transactions carried out by procuring bonuses or rewards for active customers with a mobile banking application to make it easier for customers to make transactions. The supporting and inhibiting factors experienced by BMT Sunan Drajat in an effort to increase customers with Wadi'ah contracts include the supporting factors, namely the Sunan Drajat Brand, which is of great interest to the public, strategic places that are easily accessible to customers. While the inhibiting factor is the number of customers who have become customers of BMT which existed before BMT Sunan Drajat.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/308 10.55352/ekis.v3i2.308 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 2 (2021): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 130-135 2828-6278 2655-5492 10.55352/ekis.v3i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/308/301 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/309 2023-05-26T01:10:36Z ekis:ART

Analisis Strategi Bauran Pemasaran Wisata Alam Gosari (WAGOS) dalam Meningkatkan Jumlah Wisatawan (Studi di Desa Gosari Kecamatan. Ujungpangkah Kabupaten. Gresik) Asmaul Khuluq Ahmad Afan Zaini Fatimatu Zahroh Gosari, marketing, tourism The uniqueness of Gosari Gresik Nature Tourism invites local and non-local tourists with various rides offered including Flying Fox, fun outbound, love pool, ATV, mini trail for children, horse riding rides and photo spots with an entrance ticket price of IDR 10,000 for adults and IDR 5000 for children. The management of Gosari Gresik Nature Tourism cannot be separated from the role of youth youth organizations in Gosari village who see the benefits and preservation of the cultural heritage of Majapahit in the remaining area of ​​the pottery industry and inscriptions in Butulan Cave. The marketing mix strategy used is very effective in attracting tourists plus social media which continues to grow, making Gosari tourism increasingly known to foreign countries. But in every management there are obstacles that make tourism managers more qualified   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-07-25 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/309 10.55352/ekis.v3i2.309 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 2 (2021): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 136-141 2828-6278 2655-5492 10.55352/ekis.v3i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/309/302 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/310 2023-05-26T01:31:38Z ekis:ART

Strategi Pemasaran dalam Upaya Meningkatkan Jumlah Anggota pada Koperasi Simpan Pinjam dan Pembiayaan Syariah Mitra Usaha Ideal (KSPPS MUI) Cabang Ketanen Kabupaten Gresik Fatimatu Zahroh Siswadi, Siswadi Marketing Strategy, Increasing Number of Members, KSPPS The term marketing strategy is not just promotion, but is how to satisfy customers with services provided so that customers are comfortable with cooperatives. This study explains the marketing strategy in an effort to increase the number of members at KSPPS MUI Ketanen Branch, Gresik Regency, which has a background of 2 KSPPS MUI branch offices in Panceng sub-district, which is a differentiator from other sub-district branch offices. This research is a qualitative descriptive field research, the subject of this research is the head of the KSPPS MUI Ketanen branch, as well as several informants, namely marketing employees of the KSPPS MUI Ketanen branch and several members of the KSPPS MUI Ketanen branch. Data collection techniques are carried out by observation, interviews and documentation. The data validation technique is carried out using source triangulation by collecting similar data and information from a variety of different sources. The results of the analysis of the marketing strategy in an effort to increase the number of members in the Ideal Business Partners Savings and Loans and Sharia Financing cooperative (KSPPS MUI) Ketanenen Branch concluded that the obstacles in increasing the number of members at the KSPPS MUI Ketanen branch included the schedule of market grebek which coincided with working hours making the grebek program the market is less than optimal, the nature of various members and payments outside working hours. The supporting factors in increasing the number of members include friendly service, being able to do transactions at home without having to come to the office and strategic places. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-01-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/310 10.55352/ekis.v4i1.310 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah; 1-8 2828-6278 2655-5492 10.55352/ekis.v4i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/310/304 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/312 2023-05-26T01:31:38Z ekis:ART

Strategi Pemasaran Klinik Mata KMU Gresik Seabagai Pelayanan Kesehatan Mata Leny Damayantie R. Zainul Musthofa Marketing Strategy, KMU Gresik Eye Clinic, Service, Patient KMU Gresik Main Eye Clinic is a medical eye health service with modern technology that specifically deals with eye problems such as cataracts, glaucoma, cornea, retina and refraction. The trend of eye clinics is increasing, so marketing activities are a management tool in today's business world. With the development of existing eye clinics, the eye clinic marketing strategy has become competitive. The dynamics of competition in seizing market opportunities are becoming tighter and increasingly felt. Each eye clinic has a different promotion strategy, namely in conveying information about products related to the services available. The formulation of this research problem consists of: 1. What are the marketing strategies being carried out by the KMU Gresik eye clinic in 2020 – 2023? 2. What innovative ideas can researchers provide to increase the target offering of KMU Gresik eye clinic services in 2023? This study aims to find out the marketing strategy carried out by the KMU Gresik eye clinic in 2020 – 2023. As well as provide ideas for innovation in the KMU Gresik eye clinic so that it is easy to achieve the target of eye health services. The research method used in this study is a qualitative research method with a descriptive approach. The research instruments used to collect data are observation, interviews, and documentation. The marketing strategy carried out by the KMU Gresik Eye Clinic is the first before sales (stakeholder visits, Education, Screening, Home visit, KMU Goest to school). The second is sales (health services at clinics, diagnostic examinations, doctor's examinations, medical procedures or outpatient care). The third is after sales (control reminders for post cataract surgery patients one day, one week, and one month.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-01-24 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/312 10.55352/ekis.v4i1.312 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah; 9-17 2828-6278 2655-5492 10.55352/ekis.v4i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/312/305 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/313 2023-05-26T01:31:38Z ekis:ART

Penerapan Manajemen Resiko pada Produk Pembiayaan di Lembaga Keuangan Mikro Syariah di KSPPS MUI Sekapuk Ujungpangkah Gresik Muhammad Awaludin Islam Sutopo, Sutopo Implementation, Risk Management Constraints, Financing BMT KSPPS MUI is a sharia microfinance institution that manages these funds using financing products. financing products that are carried out are not free from risks, especially during the current pandemic. To prevent this risk from occurring, risk management is applied to financing products at the KSPPS MUI Sekapuk Branch. This research aims to: 1). know how to apply risk management to financing products and 2). find out what are the obstacles in implementing risk management in financing products. Because carrying out the implementation of risk management can prevent bad financing. The method used in collecting data in this study uses interviews, operations and documentation. While the research methodology uses a qualitative approach methodology. While the object is the BMT KSPPS MUI Sekapuk Branch. The results of this study show that 1). implementation of risk management using Surfe which is carried out according to the 5C standard, Billing rules that are applied to the maximum, NPF handling that uses rescheduling, returns and reconditioning, Use of reserve funds as an amticipation of losses from macat financing. 2). The ability to pay members has decreased, Members have moved domiciles, The macro economy has declined, The habit of members who often borrow in multiple places, Transferring or changing positions in internal financial institutions, Managers' ability to collect is not good.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-01-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/313 10.55352/ekis.v4i1.313 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah; 18-26 2828-6278 2655-5492 10.55352/ekis.v4i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/313/307 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/314 2023-05-26T01:31:38Z ekis:ART

Strategi Pengembangan Produk BSI KUR (Kredit Usaha Rakyat) Mikro di BSI KCP Lamongan Pasar Babat Muhamad Malik Azhar Ahmad Afan Zaini Development Strategy, Micro KUR Products BSI KCP Lamongan Pasar Babat is an Islamic financial institution that manages funds through channeling funds to the public in the form of financing. A company does not escape taking action to develop new products or existing products so that there is no decrease in business growth with a decreasing level of consumer desire. Therefore, to prevent this from happening, BSI KCP Lamongan Pasar Babat took product development strategy actions. The type of research used in this writing itself uses a qualitative approach. That is a type of research that describes a state of an object or event that presents data in the form of brief descriptions, charts, and the like. The method used in collecting data in this study uses interviews, observation, and documentation. MICRO KUR product development strategy AT BSI KCP Lamongan Pasar Babat Product development strategy is an effort made by an institution to improve existing products, or by adding more varied and marketable products. In the product development strategy, BSI KCP Lamongan Pasar Babat uses a marketing strategy through promotion, monitoring developments carried out by competitors, the Door to Door strategy. promotions carried out by BSI KCP Lamongan Pasar Babat, namely through making brochures provided at the office and advertisements on the website, monitoring the development strategy carried out by competitors. Door to Door is a marketing effort of a product or service that goes directly to prospective buyers/prospective customers, in order to gain effectiveness in explaining the products/services we have.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-01-24 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/314 10.55352/ekis.v4i1.314 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah; 27-31 2828-6278 2655-5492 10.55352/ekis.v4i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/314/308 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/316 2023-05-26T01:31:38Z ekis:ART

Penerapan Perhitungan Pembiayaan Murabahah di Lembaga Keuangan Mikro Syariah BMT Sunan Drajat Pusat dengan Pendekatan Economic Value Of Time Lidya Frasisca Ellyna Abdullah Zawawi Application of Calculations, Murobahah Financing, LKMS, BMT, Economic Value Of Time Islam does not prohibit deferred financing, but it must be noted that in deferred financing one must be careful because Islam forbids the practice of usury and evil. The application of murobahah financing calculations is a calculation technique for calculating and determining the amount of customer installments to BMT Sunan Drajat. This study aims to answer, describe and analyze the formulation of the problem; 1) How is the application of murabahah financing calculations at BMT Sunan Drajat Pusat!. 2) How is the application of murabahah financing calculations with the economic value of time approach at BMT Sunan Drajat Pusat. This type of research uses qualitative research methods with a qualitative phenomenological approach. The data sources used are primary and secondary data. The research instruments used were observation, interviews and documentation. While the data analysis technique used is phenomenology including logical consistency, subjective interpretation and adequacy. The results of this study are 1) the application of murobahah financing calculations at BMT Sunan Drajat Pusat uses a flat system, this system is the same as a fixed margin system, meaning that the margin and principal installments are every month in the same amount from inception to maturity in accordance with the contract and mutual agreement of the BMT and the customer. 2) the application of the murobahah financing calculation using the economic value of time approach at BMT Sunan Drajat Pusat is in principle the same as the calculation of the flat system adopted by BMT Sunan Drajat Pusat because the total installments since the contract and agreement are the same as the due date, especially there are no additional customers who are late pay installments when they are due either margin or penalty.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-01-27 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/316 10.55352/ekis.v4i1.316 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 1 (2022): Januari :  Al-Muzdahir : Jurnal Ekonomi Syariah; 32-39 2828-6278 2655-5492 10.55352/ekis.v4i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/316/309 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/317 2023-05-26T01:53:58Z ekis:ART

Pengelolaan Zakat dalam Memberdayakan Masyarakat Miskin pada Badan Amil Zakat Nasional Kabupaten Tuban Risa Yulianti R. Zainul Mushthofa Management, Empowerment of zakat Good and correct management carried out by BAZNAS can be carried out with many programs with various objectives. One of them is to empower the poor. The role of BAZNAS here, besides distributing it, also provides direction so that the funds received are more useful. Seeing the high amount of zakat, infaq, shodaqoh funds collected at BAZNAS Tuban Regency, and one of the missions of BAZNAS Tuban Regency is to empower the poor who are still in their productive age. Zakat management in empowering the poor at BAZNAS Tuban district as well as the inhibiting and supporting factors that occur in the management of zakat. With the aim of being able to answer and describe, and analyze the management of zakat in empowering the poor at BAZNAS Tuban Regency. Zakat as an economic element plays an important role in shaping the fiscal aspect of a country's economic structure. Zakat is worship maaliyah ijtima'iyyah which means material social and has a strategic function. In accordance with the nature of zakat obligations that must be carried out with certainty, then even in handling zakat must be managed properly by the relevant institutions. At the end of the twentieth century, along with the revival of the Islamic community in various sectors of life, the teachings of zakat have also become one of the sectors that have begun to be explored. Indonesia is no exception. The management of zakat in this period still involved the Regional Government through the inclusion of the Regional Secretary and the Head of the Public Welfare Section of the Regional Secretariat of Tuban Regency in the Executive element. This is because BAZNAS of Tuban Regency as a non-structural government institution must still be able to synergize with the Regional Government with the aim of optimizing revenues and efforts to assist the Regional Government in reducing the poverty rate in Tuban Regency through zakat, infaq and almsgiving funds.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-07-21 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/317 10.55352/ekis.v4i2.317 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 2 (2022): Juli :  Al-Muzdahir : Jurnal Ekonomi Syariah; 40-58 2828-6278 2655-5492 10.55352/ekis.v4i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/317/310 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/318 2023-05-26T01:53:58Z ekis:ART

Penerapan Entrepreneur Rahmatan Lil'alamin di Unit Perekonomian Toserba Sunan Drajat Nor Maysari Siswadi, Siswadi Nur Maizatus Sodiah Business, Entrepeneur, Economy Sunan Drajat Department Today entrepreneurship activities have begun to experience a turnaround and experience a shift in business orientation, where business people begin to try to balance material and spiritual orientation. One institution that is concerned about entrepreneurship is the Islamic boarding school, in order to bring us all towards falah (success / happiness in the world and in the hereafter) with the application of Islamic methods and principles Rahmatan lil'alamin.  Mursyid stated that in general, the business of pesantren is still very simple and not well organized, especially the number of pesantren that play a role in community economic empowerment has not reached 50%. This is very important to support the independence of pesantren and also as an effort to develop the entrepreneurial spirit of students in Islamic boarding schools so that they have the capital to live and have a family in the future and with such a model pesantren can be an important element to build national independence and create good students who are moral, intellectually empowered, hardworking and independent. However, there is a pesantren that has been well known for its entrepreneurial aspects, namely the Sunan Drajat Islamic Boarding School (PPSD) in Lamongan. The pesantren has various business units, both in agribusiness, manufacturing, and trade/services. While data analysis techniques are used using data education, data presentation, and conclusion drawing; The purpose of the study is to answer, know, describe and analyze the problem formulation; 1) How is the implementation of rahmatan lil'alamin-based entrepreneurship in the Sunan Drajat Department Store Economic Unit? 2) What are the factors that can support entrepreneurship in the Sunan Drajat Department Store Economic Unit? The analysis used with an approach through the relationship of the application of supporting factors for employees with entrepreneurship or entrepreneurship based on Islamic teachings. The application of department store management based on the Islamic concept of Rahmatan lil'alamin, there are several indicators with the description of rationality, Like business in general, it should do business is to seek profit for welfare. Intelligence, Determining product prices according to percentage in calculations that are not careless. Balance between heart and mind, Adjust product prices with fixed labels. As well as comprehensive, maintaining property (daily financial records are carried out which are then used as accountability reports).   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/318 10.55352/ekis.v4i2.318 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 2 (2022): Juli :  Al-Muzdahir : Jurnal Ekonomi Syariah; 59-77 2828-6278 2655-5492 10.55352/ekis.v4i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/318/311 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/320 2023-05-26T01:53:58Z ekis:ART

Strategi Pengembangan Wisata Pasir Putih dalam Meningkatkan Jumlah Wisatawan di Desa Dalegan Panceng Gresik Abdullah Zawawi Diyanatus Siyadah Strategy, Development of Pasir Putih Tourism, Number of The type of research used in this study is a type of qualitative research. Qualitative research is a study in which the data is expressed in verbal form and is analyzed without using statistics. The results of the research analysis can be concluded that in terms of the development strategy implemented by the Tourism Awareness Group (Pokdarwis) Pasir Putih Dalegan Tourism has a good plan to increase visitors every month. With a special development strategy, namely professional management, it is absolutely essential in a business and business, because if the management is good, it will be easier for others to adjust. Meanwhile, the obstacles in the process of developing the Pasir Putih Dalegan Tourism Object include: The existence of the Covid-19 pandemic which is quite disturbing and has caused the Indonesian people's economy to decline drastically, weather conditions are very difficult to predict, many village people themselves are not aware of the importance of protecting each other's objects. own tourism, unable to manage finances professionally because the Pasir Putih tourist attraction belongs to the village and not to individuals, low public knowledge about tourism and the benefits of tourism, lack of historical knowledge of tour guides to tell historical sites and low mastery of foreign languages ​​by tour guides, such as China, England and others, visitors do not comply with existing regulations.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-07-25 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/320 10.55352/ekis.v4i2.320 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 2 (2022): Juli :  Al-Muzdahir : Jurnal Ekonomi Syariah; 78-84 2828-6278 2655-5492 10.55352/ekis.v4i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/320/312 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/321 2023-05-26T01:53:58Z ekis:ART

Optimalisasi Pengelolaan Zakat untuk Pemberdayaan Masyarakat Miskin pada Amil Zakat di Kabupaten Bojonegoro Nadya Septiana Erly Juliyani Optimization, Management of Zakat, Amil Zakat Islam is a religion that was sent down by Allah SWT to the Prophet Muhammad SAW who became Rahmatan lil'Alamin (Grace to all nature). Islam clearly frees itself from things that are ribawi. In Islamic economic principles there are several economic instruments to help social interests such as the use of zakat, infaq, and alms funds to finance the welfare of the people. This study aims to answer, describe and analyze the formulation of the problem: 1. What is the strategy to optimize zakat management at Baznas Bojonegoro?, 2. What programs are carried out by Baznas Bojonegoro in increasing the empowerment of the poor in Bojonegoro Regency?3.  Obstacles experienced by Baznas Bojonegoro in managing zakat funds and how to handle them? The type of research in this thesis includes field research. The method used in this study is to use qualitative research methods. The results of this study are 1. The strategy carried out by BAZNAS Bojonegoro, namely by conducting outreach to the people of Bojonegoro district and ASN, PNS, BUMN, BUMD as well as various agencies, institutions and mosques is used to introduce the importance of zakat and establish UPZ (Collection Unit zakat). 2. Programs run by Baznas Bojonegoro include: Religious Bojonegoro, Genius Bojonegoro, Energetic Bojonegoro, Philanthropic Bojonegoro, and Productive Bojonegoro. And it has been going very well, and almost every day Bojongoro Baznas is active in collection and distribution. 3. Obstacles experienced by BAZNAS in managing zakat in Bojonegoro Regency, namely the lack of awareness of the importance of issuing zakat.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-07-25 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/321 10.55352/ekis.v4i2.321 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 2 (2022): Juli :  Al-Muzdahir : Jurnal Ekonomi Syariah; 85-89 2828-6278 2655-5492 10.55352/ekis.v4i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/321/313 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/322 2023-05-26T01:53:58Z ekis:ART

Manajemen ZIS (Zakat, Infaq, Shodaqoh) di Masjid Nurul Huda Desa Ngimbang Palang Tuban Nurul Istiqomah Sutopo, Sutopo Risma Damayanti Management, Zakat, Infaq and Shodaqoh Seeing the considerable potential of ZIS at the Nurul Huda Mosque, the mosque administrators formed a management to make it easier to distribute ZIS funds to worshipers and people in need. Therefore, it is hoped that more and more mosques will establish Baitul Maal as a positive response to mosques in the development of the times so that they can prepare generations of nations who can manage and distribute ZIS funds properly and effectively with strong religious provisions. This research was conducted at the Nurul Huda Mosque, Ngimbang Village, Palang District, Tuban Regency with the aim: to find out how ZIS management (Zakat, Infaq and Shadaqoh) and the inhibiting and supporting factors for ZIS management (Zakat, Infaq and Shodaqoh) at the Nurul Huda mosque, Ngimbang Village, Palang District Tuban Regency. This research uses a descriptive approach which is a research method that describes the circumstances or situations that occur, so that the data collected is in the form of words and pictures. The results of this research are Zakat, infaq and shodaqoh funds that have been collected and then distributed to the people who are blessed to receive, the distribution is carried out twice a year, namely during the Eid al-Fitr and Eid al-Adha holidays. The inhibiting factor for the management (ZIS) of zakat, infaq and shodaqoh at the Nurul Huda Mosque, Ngimbang Palang Tuban Village, is the lack of validity of the data that goes to the mosque administrators. Factors supporting the management (ZIS) of zakat, infaq and shodaqoh at the Nurul Huda Mosque, Ngimbang Palang Tuban Village, are trust from the community to manage funds that have been submitted to the mosque, optimism in carrying out tasks and mandates, and working with religious leaders and also the chaplain.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2022-07-26 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/322 10.55352/ekis.v4i2.322 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 4 No. 2 (2022): Juli :  Al-Muzdahir : Jurnal Ekonomi Syariah; 90-95 2828-6278 2655-5492 10.55352/ekis.v4i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/322/315 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/324 2023-06-07T20:19:08Z ekis:ART

Asumsi Rasionalitas dalam Prilaku Konsumsi Perspektif Ekonomi Mikro Islam Siswadi, Siswadi Wilda ‘Ainun Najihah The Assumption of Rationality, Islamic Microeconomics The term Rationality will look confusing if it has many meanings or meanings, and sometimes rationality does not match what is expected. Rationality is a mindset in acting in accordance with human reason and logic. Specifically, rationality can also be said as a tendency to fulfill long-term plans, taking into account all the risks and benefits of the actions taken. Rationality is a consequence on the basis of economic and religious factors, where the main factor becomes the basic basis in the discussion of capitalist development. A person's choice can be said to be rational if this choice as a whole can be explained by the terms of the preferred consistent relationship with the definition of the appearance of the preferred choice. the decisions taken by these individuals should lead to the quantification of the final decision in monetary units. Quantification will lead to calculations and tend to maximize the goals of each activity.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-01-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/324 10.55352/ekis.v5i1.324 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 1 (2023): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 1-9 2828-6278 2655-5492 10.55352/ekis.v5i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/324/317 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/325 2023-06-07T20:19:08Z ekis:ART

Analisis Penerapan Etika Bisnis Islam dalam Meningkatkan Kepuasan Nasabah di Koperasi Sunan Drajat Lamongan Abdullah Zawawi Islamic Business Ethics, Customer Satisfaction, Sunan Drajat This study aims to determine the effect of the application of Islamic business ethics on member satisfaction in the Sunan Drajat Lamongan Cooperative, East Java, Indonesia. This study uses a qualitative method. The location of this research was carried out at the Sunan Drajat Lamongan Cooperative which is located in Banjaranyar Village, Banjarwati, Paciran District, Lamongan Regency. The instruments used in this qualitative method are guidelines or special methods so that in collecting data, it is easy to process the data, and so that the work is easier and the results are better in collecting data. The author uses two sources of data, namely: Primary data and secondary data The results of this study indicate that, first, based on the exposure of the research data, it can be seen that Islamic business ethics carried out by the Sunan Drajat Lamongan Cooperative, in general, are in accordance with Islamic business ethics taught in Islam which include not committing usury, justice to all members and also What responsibilities have been entrusted by its members? Second, from the application of Islamic business ethics in increasing customer satisfaction implemented by the Sunan Drajat Lamongan Cooperative so far it has been going well, as evidenced by the existence of several efforts made by the Sunan Drajat Sharia Cooperative in increasing the number of customers each year.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-01-24 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/325 10.55352/ekis.v5i1.325 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 1 (2023): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 10-16 2828-6278 2655-5492 10.55352/ekis.v5i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/325/318 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/327 2023-06-07T20:19:08Z ekis:ART

Model Pengembangan Bisnis Toserba Sunan Drajat melalui Pendekatan Business Model Canvas: (Studi di Toserba Sunan Drajat Banjarwati Paciran Lamongan) Nor Maysari Musbikhin, Musbikhin Karmuji Business, Business Model, Sunan Drajat Department Store The business model offered to develop a business is very varied with technological advances and the times. This requires companies or business people to continue to innovate in running their business. The process of business development can be done by measurement through several analyses, one of which is the Businesss Model Canvas analysis by combining nine elements that are the initial foundation of the business in its classification. This type of research uses qualitative research methods with a descriptive approach obtained through data collection from the process of observation, interviews, and documentation. While data analysis techniques are used using data education, data presentation, and conclusions. The purpose of the study is to answer, know, describe and analyze the problem formulation; 1) What is the business development model at Sunan Drajat Banjarwati Paciran Lamongan Department Store. 2) How is the concept of Business Model Canvas analysis strategy at Sunan Drajat Banjarwati Department Store, Paciran Lamongan. 3) How is the concept of SWOT analysis at Sunan Drajat Banjarwati Department Store, Paciran Lamongan. The analysis used with the Business Model Canvas analysis approach with nine indicators from an internal and external perspective. In addition, it is strengthened by SWOT analysis which is collaborated on the Business Model Canvas analysis at Sunan Drajat Department Store. The results of the study explained that Sunan Drajat Department Store is a modern retail business that doubles into several businesses, including distributors, franchises, white labels, e-commerce, marketplaces, to business to business. The Sunan Drajat Department Store has actually implemented a canvas model bussines in its development. This alternative strategy can be seen from the strengths and weaknesses that have been analyzed with the SWOT analysis strategy that has been collaborated on the Business Model Canvas analysis so that it provides opportunities and challenges for the Sunan Drajat Department Store to develop its business   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-01-25 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/327 10.55352/ekis.v5i1.327 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 1 (2023): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 17-28 2828-6278 2655-5492 10.55352/ekis.v5i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/327/319 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/328 2023-06-07T20:19:08Z ekis:ART

Pengaruh Pendidikan dan Perilaku Keagamaan terhadap Penggunaan Lembaga Keuangan Syariah (Studi Kasus di Desa Banjarwati Kecamatan Paciran Kabupaten Lamongan) Risma Damayanti R. Zainul Musthofa Islamic Financial Institutions, Education, Religious Behavior The lack of public understanding of the products and services offered by Islamic financial institutions makes most people only see that the added value of Islamic financial institutions is halal and also aims to help others, many still think that Islamic financial institutions are the same as conventional financial institutions. Banjarwati Village Community is also a village with a Muslim community. This research was conducted in the people of Banjarwati Village, Paciran District, Lamongan Regency, which consisted of 5,825 residents with the aim of: to find out whether educational factors and religious behavior influence the use of Islamic financial institutions in the people of Banjarwati Village, Paciran District, Lamongan Regency. The number of respondents was 80 respondents. The sample collection technique uses the Simple Random Sampling method. Multiple Linear Regression analysis technique with SPSS 16.0 computer program. The results of this study show that partially the significance value of the education variable is 0.000 > 0.05 and the t count is 6.845 > t table 1.991 meaning that the education variable influences the use of Islamic financial institutions. Partially, the significance value of the religious behavior variable is 0.088 > 0.05 and the t count is 1.726 <t table 1.991 meaning that there is no influence from the religious behavior variable on the use of Islamic financial institutions. Simultaneously the calculated F value is greater than F table (31.130 > 3.106) and the significance value is α = 0.05 (0.000 <0.05) meaning that the variables of education and religious behavior together have a significant effect on the use of Islamic financial institutions.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-01-26 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/328 10.55352/ekis.v5i1.328 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 1 (2023): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 29-34 2828-6278 2655-5492 10.55352/ekis.v5i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/328/321 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/329 2023-06-07T20:19:08Z ekis:ART

Pengaruh Inflasi terhadap Peningkatan Penyaluran Pembiayaan melalui Perbankan Syariah di Indonesia Biyati Ahwarumi Luluk Syafa'ati Inflation, Distribution of Financing Through Islamic Banking The research method used in this study is quantitative research by calculating the SPSS program through a simple regression analysis technique, and the data used is secondary data in the form of annual time series data starting in 2020-2021 from the official website of the Financial Services Authority (OJK), Central Board Statistics (BPS) and Bank Indonesia (BI) according to research variables. The results of the statistical test can be concluded that partially the inflation-free variable (ϰ) in the 2020-2021 research year has a significant effect on the dependent variable increasing the distribution of financing through Islamic banking (Y) in the 2020-2021 research year. Inflation has a negative effect on the grounds that if inflation rises, financing will decrease because people's purchasing power decreases and if financing is increased it will be able to reduce inflation   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-01-27 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/329 10.55352/ekis.v5i1.329 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 1 (2023): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 35-41 2828-6278 2655-5492 10.55352/ekis.v5i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/329/322 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/353 2023-05-27T06:29:16Z ekis:ART

Analisis Faktor Perubahan Akad Murabahah menjadi Akad Rahn (Studi Kasus di BMT Surya Raharja Palang Tuban) Sulis Setio Ningrum Ahmad Afan Zaini Elly Rustiana Murabaha , Rahn Banking is a very unique type. Its uniqueness lies in so many rules to protect all types of transactions. From the bank's internal side, regulations are made in such a way as to avoid risks that will bring material and immaterial losses. Many people in Indonesia do not yet know how the concept of how Islamic bank products work, especially in current financing products. Therefore, the basic thing for these banks must first be able to understand about financing products, especially murabahah financing and also financing using rahn contracts so that people can get to know them, and know more about products that are in accordance with BMT. With the existence of murabahah financing products and also financing with rahn contracts, people can carry out transactions in accordance with the applicable terms and conditions so that the transaction process can run smoothly. In this study, the authors used a qualitative type of research with a descriptive analysis approach. The method used in this study is the interview method and documentation from the financial institution concerned, which aims to answer the problem formulation raised by the author, namely: 1. What is the procedure for implementing murabahah and rahn contracts? 2. What factors cause the change of murabahah contract to rahn contract? The results of this study are: 1. There are basically two procedures for carrying out financing using murabahah and rahn contracts at BMT Surya Raharja, namely procedures in the field and also procedures in the office. 2. BMT Surya Raharja is a sharia-based financial institution, where in these financial institutions financing using a rahn contract is deemed more appropriate to apply than financing using a murabahah contract because financing using a rahn contract is more in line with financing that has been carried out at BMT Surya Raharja Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/353 10.55352/ekis.v3i1.353 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah ; 1-20 2828-6278 2655-5492 10.55352/ekis.v3i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/353/343 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/354 2023-05-27T06:29:16Z ekis:ART

Pengaruh Media Informasi Digital terhadap Keputusan Wakif dalam Melakukan Wakaf Uang (Studi pada Wakif di KSPPS BMT Mandiri Sejahtera Cabang Desa Kranji Kecamatan Paciran Kabupaten Lamongan) Muhammad Mahbub Biyati Ahwarum Digital Information Media; Cash Waqf; Endowment Decision; KSPPS BMT Mandiri Sejahtera KSPPS BMT Mandiri Sejahtera is a non-bank financial institution engaged in two financial fields, namely the baitul mall sector and the tamwil sector and has several branches including the Kranji Branch, Paciran District, Lamongan Regency. In the field of baitul malls, BMT Mandiri Sejahtera collects zakat, infaq, shodaqoh and waqf funds. Waqf managed by BMT Mandiri Sejahtera, namely immovable property and movable property including cash waqf. So that researchers analyze how the collection and management of cash waqf and also how a waqif decides to endow money. The method used in this study is a mixed method research method. Data collection techniques in this study used questionnaires, interviews, observation and documentation. The sample in this study was 38 respondents who were taken randomly from the number of cash waqifs at KSPPS BMT Mandiri Sejahtera. The data analysis technique used is validity test, reliability test, simple regression test and T test. The results of this study are research with qualitative methods indicating that the collection of cash waqf is collected with vouchers worth Rp. 10,000-. and collected through various elements, namely employees, members who carry out financing, members who receive SHU, apprentices or street vendors and also from the general public. According to researchers, this strategy of collection is very effective with a relatively small nominal so that many people want to donate money but there are things that seem coercive from the collection of cash waqf such as apprentices or street vendors are required to buy and also sell the money vouchers. Meanwhile, from its management, cash waqf is invested in two forms, namely invested in financing and also invested in Islamic banking. This is in accordance with the rules regarding cash waqf, Nazhir is tasked with investing cash waqf according to sharia with one condition: the nominal value of the money invested must not be reduced. The results of this study are research using quantitative methods showing that digital information media influences waqif decisions in conducting cash waqf. These results are obtained based on the answers from 38 respondents and also the results of the test which show that the t count is 2.241 while the t table is 1.688. So it is obtained that T_count (2.241) > T_table (1.688) thus Ho is rejected and Ha is accepted, which means that the information media influences the waqif's decision in conducting cash waqf at KSPPS BMT Mandiri Sejahtera, Kranji Branch, Paciran District, Lamongan Regency. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article https://ejournal.unsuda.ac.id/index.php/ekis/article/view/354 10.55352/ekis.v3i1.354 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah ; 21-37 2828-6278 2655-5492 10.55352/ekis.v3i1 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/355 2023-05-27T06:29:16Z ekis:ART

Pengelolaan Zakat untuk Pemberdayaan Masyarakat Miskin pada Badan Amil Zakat di Kabupaten Bojonegoro Nadya Septiana Wulansari iswadi Siswadi Arif Maghfur Zakat, Baznas, Empowermwnt of the poor Zakat is a pillar of islam the must be issued by every muslim by fulfilling certain condition. Zakat contains two dimensions, namely direct worship to Allah and worship to fellow human beings. Zakat is worship that prioritizes social values in addition to spiritual values. in addition, the empowerment of zakat funds, if managed properly, will improve the economy of the poor at the productif age.This type of research includes field research, which is a research that is carried out systematically by lifting data from the field. By using qualitative research methods that produce deskriptive data in the form of written or spoken words form poeple and observed behavior. The result of this study indicate that the strategy used by BAZNAS of Bojonegoro Regency and ASN, Civil Servants, BUMN, BUMD, as well as various agencies. Institutions and mosques to intruduce the importance of zakat and establish UPZ (Zakat Collection Unit). The programs carried out by the Religious Bojonegoro, Genius Bojonegoro, philanthropic Bojonegoro, Productive Bojonegoro. And for the community empowerment program, namely the Productive Bojonegoro Program, the activities of this program have been going well and can improve the mustahiq  economy which is provided by the productive Bojonegoro program.  The obstacle experienced by BAZNAS in Bojonegoro regency during zakat management is that there is still a lack of public awareness of the importance of paying zakat and when during the pandemic BAZNAS redusec gathering activities and is more active on social media. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article https://ejournal.unsuda.ac.id/index.php/ekis/article/view/355 10.55352/ekis.v3i1.355 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah ; 38-55 2828-6278 2655-5492 10.55352/ekis.v3i1 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/356 2023-05-27T06:29:16Z ekis:ART

Strategi Pengembangan Wisata Pantai Biru dalam Upaya Menarik Kunjungan Wisatawan (Studi Kasus Desa Telaga Biru Kecamatan Tanjung Bumi Kabupaten Bangkalan) Asiya Febrianti Akhmad Sirojudin Munir Sutopo Sutopo Development Strategy, Tourism, Tourist Visits Indonesia has a lot of potential tourist objects scattered throughout the region that can be relied on to become a tourist attraction that is able to attract local and foreign tourists. Bangkalan Regency has a very potential area in the tourism sector because it has many interesting tourist objects. Telaga Biru village has a very interesting tour, pristine nature, a calm and comfortable atmosphere, namely blue beach tourism. Blue beach tourism is always developing to increase tourist visits. Indicators of the success of a tourist attraction can be measured by the number of tourist visits. This research is a qualitative research, while the type of research used is a qualitative research with a descriptive approach. Data collection was carried out through research instruments in the form of interviews, observations, and documentation. Then check its validity using the triangulation technique. The results of this study are: 1. tourism development strategies in an effort to attract tourist visits, in developing tourism by adding tourist attractions such as photo spots, swimming pools, water bikes, plastic flower trees, flower tunnels, and fish therapy, air bicycles, and air balloon. The promotions used are through social media, Facebook, Instagram, YouTube, and websites. 2. Factors that support the development of blue beach tourism, namely, natural resources, good security, a comfortable atmosphere, the role of social media, a supportive community. While the inhibiting factors for the development strategy are, internal factors have not been well organized with tourism potential as well as facilities and infrastructure, while external factors are the lack of road access for bus vehicles because this tour is located in community settlements, and also there is no budget from the government. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article https://ejournal.unsuda.ac.id/index.php/ekis/article/view/356 10.55352/ekis.v3i1.356 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah ; 56-69 2828-6278 2655-5492 10.55352/ekis.v3i1 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/357 2023-05-27T06:29:16Z ekis:ART

Strategi Islamic Marketing dalam Meningkatkan Penjualan Usaha Pancake Durian Tri Putri di Desa Payaman Kecamatan Solokuro Kabupaten Lamongan Faizatul Umroh Dymas Yulia Putri Kusumaningtyas Strategy, Islamic Marketing, Durian Tri Putri Durian Pancakes in Payaman Village are Home Industry. Tri Putri Durian Pancake products are currently in great demand by the public, especially among young people, this is shown by the Tri Putri Durian Pancake Marketing which has now expanded in several cities, including Lamongan City, to other cities such as Surabaya, Gresik, and Tuban. The location of Tri Putri Durian Pencake is in Payaman Village, Solokuro District, Lamongan Regency.This study aims to answer, describe, and analyze the formulation of the problem, namely how marketing is used for Tri Putri Durian Pancakes in Payaman Village, Solokuro District, Lamongan Regency and How is the Islamic marketing strategy in increasing sales of Tri Putri Durian Pancakes in Payaman Village, Solokuro District, Lamongan Regency. . The method used in this research is descriptive qualitative research method. The data collection technique of the researcher used the method of observation, interviews and documentation.The results of this study concluded that First Tri Putri Durian Pancakes in Payaman Village had implemented a 7P marketing mix strategy, namely product, price, promotion, place, people, process, and physical evidence that were able to increase sales at Tri Putri Durian Pancakes in Payaman Village. The marketing mix strategy that has been implemented by Pancake Durian Tri Putri in an effort to increase sales has also been carried out properly and correctly and in accordance with existing theory. The two Islamic Marketing Strategies in Tri Putri Durian Pencake Payaman Village viewed from the perspective of Islamic Economics it can be seen that the strategy used by Tri Putri Durian Pencake Payaman Village is in accordance with Islamic marketing theory such as: Theitis (robbaniyah) religious marketing, Ethical (akhlaqiyyah) Prioritizing moral issues (moral, ethical), realistic (al waqiiyah) being a flexible marketer, and humanistic (al insaniyyah) is a human trait. By implementing these Islamic Marketing strategies, it is hoped that the sales of Durian Pancake products carried out by Tri Putri Durian Pencakes in Payaman Village will experience success both in this world and in the hereafter Institut Pesantren Sunan Drajat Lamongan, Indonesia 2021-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article https://ejournal.unsuda.ac.id/index.php/ekis/article/view/357 10.55352/ekis.v3i1.357 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 3 No. 1 (2021): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah ; 70-92 2828-6278 2655-5492 10.55352/ekis.v3i1 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/358 2023-05-27T07:28:32Z ekis:ART

Analisis Gaya Kepemimpinan Menejer terhadap Kinerja Karyawan di KSU Kencana Makmur Cabang Laren Uhdaul Ummah R. Zainul Musthofa Musthofa Gaya Kepemimpinan Menejer, Kinerja Karyawan Analysis of Manager's Leadership Style on Employee Performance at KSU Kencana Makmur Laren branch. A leader must also understand about the important strengths contained in his subordinates, each subordinate has different needs, desires and levels of expertise. Thus, a leader can apply all organizational regulations and policies and carry out his duties and responsibilities appropriately, so that later a leader is able to build and improve the performance of his employees to be more effective. Prosperous Laren branch. This research is included in the category of qualitative research, namely research that is more concerned with the interpretation of the data found in the field and carried out in natural conditions (natural setting). Observation is collecting data by observing the activities being observed to obtain the required data. While the interview is a data collection technique by having direct conversations with data sources to obtain the necessary information. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2020-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/358 10.55352/ekis.v2i1.358 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 2 No. 1 (2020): January : Al-Muzdahir : Jurnal Ekonomi Syariah; 1-10 2828-6278 2655-5492 10.55352/ekis.v2i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/358/344 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/359 2023-05-27T07:28:32Z ekis:ART

Urgensi Digital Marketing terhadap Strategi Pemasaran Bagi UMKM Pasca Pandemi Covid-19 Nor Maysari Adullah Zawawi Hadi Ismanto Covid-19; digital marketin;, strategi pemasaran, UMKM The Covid-19 pandemic that emerged at the end of 2018 from the outbreak had a significant impact on Indonesia. Work from home or working from home by utilizing the internet has succeeded in becoming the choice of many sectors in carrying out activities, especially in the economic sector. From this problem, MSMEs as the driving force of the Indonesian economy that cannot compete are threatened with a massive deficit to close their businesses. This study uses library search, with data sourced from books, results of previous studies, government databases, and internet pages and uses qualitative research by presenting accurate sources to describe problems based on data. The result of this research is the recovery of MSME-level business by utilizing technology for a marketing strategy entitled a comfortable digital marketing system. This innovation relies on creativity and quality based on tangible evidence. The contribution of MSMEs with digital-based mediators in marketing is believed to be able to restore the movement of the Indonesian economy after the Covid-19 pandemic and become a solution that can restore the economy in Indonesia. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2020-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/359 10.55352/ekis.v2i1.359 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 2 No. 1 (2020): January : Al-Muzdahir : Jurnal Ekonomi Syariah; 11-16 2828-6278 2655-5492 10.55352/ekis.v2i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/359/345 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/360 2023-05-27T07:31:47Z ekis:ART

Pengaruh Lingkungan dan Motivasi Kerja bagi Karyawan Koperasi BMT Mandiri Sejahtera Jawa Timur Unit Dukun Gresik M. Syaiful Arif Ahmad Afan Zaini Siswadi BMT 1; Visi dan Misi BMT 2; Penerimaan Masyarakat Kec. Dukun Kab. Lamongan 3 In a company, leaders must have the ability to control their employees. Leaders must provide motivation to employees, motivation can be in the form of attention and appreciation in accordance with what the employees have given, so employees feel the need for fairness and can also encourage high morale to work. Likewise with the work environment, if the working conditions are clean, comfortable and safe. In this way, employees become motivated to work even better, and ultimately employee performance is achieved. This study uses primary data and secondary data. The primary data here is obtained from indirect interviews obtained from the results of questionnaires filled out by employees, secondary data is obtained from the report data of the sharia financial institution of the BMT Mandiri Prosperous Cooperative East Java. The analytical tool used in this research is multiple linear regression, the results of the analysis are then analyzed by using the F test and statistical t test. (F-test) at the 95% confidence level. And from the results of the third hypothesis analysis shows that the magnitude of the regression coefficient for the work environment variable is 0.191 and the motivation variable is 0.286, so it can be concluded that motivation is the dominant factor that has an influence in improving employee performance at the BMT Mandiri Sejahtera Cooperative, East Java, Dukun Unit. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2020-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/360 10.55352/ekis.v2i1.360 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 2 No. 1 (2020): January : Al-Muzdahir : Jurnal Ekonomi Syariah; 17-26 2828-6278 2655-5492 10.55352/ekis.v2i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/360/346 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/361 2023-05-27T07:28:32Z ekis:ART

Consumer Behavior dalam Memilih Produk Kosmetik Halal (Studi Masyarakat Desa Drajat, Desa Banjarwati dan Dusun Banjaranyar) Kolifatus Sania Nashihin Musbikhin K ualitas produk, direct markrting, keputusan pembelian. Consumer Behavior or consumer behavior is an action taken by consumers to achieve and fulfill their needs both to use, consume and spend goods and services. In the people of Drajat Village, Banjarwati Village, and Banjaranyar Hamlet, research will be carried out on the Consumer Behavior of the community in choosing halal cosmetic products. This study aims to determine how consumer behavior in choosing halal cosmetic products in the people of Drajat Village, Banjarwati Village, and Banjaranyar Hamlet. The approach in this research is quantitative research. The population in this study is the people of Drajat Village, Banjarwati, and Banjaranyar Hamlet with 100 samples of people taken by probability sampling technique. The independent variable in this study is Consumer Behavior (X) while the dependent variable is the decision to choose halal products (Y). Data collection techniques in this study were questionnaires and observation. Test the instrument using the validity test and the reliability test. The data analysis technique used simple linear regression analysis. Based on the results of the study, the test on cultural factors obtained a significance value of Tcount smaller than Ttable (0.457>0.192), the test results on social factors obtained a significance value of Tcount smaller than Ttable (0.356>0.192), the test results on personal factors obtained a significance value of Tcount greater than Ttable (0.591>0.192), the test results on psychological factors obtained a significance value of Tcount less than Ttable (0.506>0.192). From this explanation, it can be concluded that the personal factor with the indicator code PRB 2 (has the greatest significance value on Consumer Behavior in choosing halal cosmetic products in Drajat Village, Banjaranyar, and Banjarwati Hamlet, namely (0.591> 0.192), then H0 is rejected and Ha is accepted. Meanwhile, other factors have a smaller significance value than personal factors. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2020-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/361 10.55352/ekis.v2i1.361 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 2 No. 1 (2020): January : Al-Muzdahir : Jurnal Ekonomi Syariah; 27-42 2828-6278 2655-5492 10.55352/ekis.v2i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/361/347 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/362 2023-05-27T07:31:47Z ekis:ART

Pengaruh Kualitas Produk dan Direct Marketing terhadap Keputusan Pembelian Air Minum Ziva Ro di Desa Banjarwati Kecamatan Paciran Kabupaten Lamongan Moch Noer Arief Sutopo muhyidin K ualitas produk, direct markrting, keputusan pembelian. The community in Paciran sub-district is 102,548 people. Paciran sub-district also includes industrial districts, both home industries and large industries. The need for clean water is increasing, especially those who live in areas adjacent to large factories such as in the Paciran sub-district, so that the water content is polluted by wastes from these large industries, so that the water quality in the Paciran area is especially unfit for consumption. directly because it depends on the very high TDS and PH substances. This shows that ZIVA RO drinking water is an important instrument for one of the drinking water industries in the Paciran area that uses a reverse osmosis process. This is what makes product quality and direct marketing influencing purchasing decisions. From this background, the problems obtained are: first, how is the influence of product quality on ZIVA RO drinking water decisions in Banjarwati Village, Paciran District, Lamongan Regency, second, how is the influence of direct marketing on ZIVA RO drinking water purchasing decisions in Banjarwati Village, Paciran District, Regency Lamongan. The type of research used is quantitative research, the sampling technique used is the independent sampling technique, with the number of respondents as many as 100 people, the data analysis technique used is using reliability and validity tests, correlation analysis tests, coefficients of determination, multiple linear regression analysis and , hypothesis testing. The results showed that the product quality variable did not have a significant positive effect on purchasing decisions of -0.697 > 1.984 with a significant level of t less than 0.05, namely 0.487> 005. Direct marketing from the results of this study direct marketing has no significant effect on purchasing decisions obtained by 1.091 > 1.984. With tingakat t less than 0.05 that is 0.278> 0.005. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2020-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/362 10.55352/ekis.v2i1.362 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 2 No. 1 (2020): January : Al-Muzdahir : Jurnal Ekonomi Syariah; 43-61 2828-6278 2655-5492 10.55352/ekis.v2i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/362/348 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/367 2023-05-28T19:54:20Z ekis:ART

Pengaruh Pengetahuan Santri pada Produk Reksadana Syariah terhadap Minat Santri Berinvestasi Direksadana (Studi Kasus Mahasantri Pondok Pesantren Sunan Drajat Lamongan Jawa Timur) Latifatul Kharisma Ahmad Iwan Zunaih Zakiyatul Abidah pengetahuan reksadana, produk reksadana syariah, minat berinvestasi direksadana. This research is motivated by the rapid and dynamic development of the capital market investment world. One of the capital market products that is widely known by the public is mutual funds. In the development of mutual funds, there have been sharia mutual funds that provide broad investment alternatives, especially for Muslim investors. but based on the facts, behind the hustle and bustle of mutual fund investment activities in the world, only a few students of the Sunan Drajat Islamic Boarding School have invested in mutual funds. There are several factors that cause students to have no interest in investing through sharia mutual funds. Among several existing factors, researchers are more interested in examining the knowledge of students about sharia mutual funds. The purpose of this study is to determine whether or not there is an influence of knowledge of students at the Sunan Drajat Islamic Boarding School on sharia mutual funds products can affect students' interest in investing in mutual funds. The sampling technique used in this study is Convinience Sampling with a population of students of the Sunan Drajat Islamic Boarding School.. Data collection using a questionnaire instrument. Testing the instrument using the validity test and reliability test through the computer program SPSS version 16.0. Test assumptions using normality test and linearity test. The data analysis technique used is a simple linear regression test. The assumption test in this study uses the t test and the coefficient of determination. Based on the results of a simple linear regression test, the t-count value is 9.768 which exceeds the t-table value of 2.011, which means that students' knowledge of Islamic mutual funds products has an effect on students' interest in investing in mutual funds. The results of the coefficient of determination test obtained an R value of 0.816 and an R Square of 0.665, which means that students' knowledge of Islamic mutual funds products has an effect of 66.5% on students' interest in investing in mutual funds. The remaining 33.5% is influenced by other variables. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-07-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/367 10.55352/ekis.v1i2.367 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 2 (2019): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah ; 74-86 2828-6278 2655-5492 10.55352/ekis.v1i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/367/351 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/368 2023-05-28T19:54:20Z ekis:ART

Analisis Perkembangan Usaha Kecil Menengah (UKM) Setelah Mendapatkan Pembiayaan Gardhul Hasan dari BMT Mandiri Sejahtera Karangcangkring Jawa Timur Cabang Campurejo Shofi Ayundah Mustika Indah Puspa Diana Ahmad Afan Zaini term1; term2; term3. E.g., management; public; education. (Garamond 10, italic) Small and Medium Enterprises (SMEs) in Campurejo in buying and selling activities are still difficult to sell various types of fish, vegetables and also fruits in large quantities. On average, each fish seller can only sell 2 or 3 types of fish, as well as vegetable and fruit sellers. Seeing the problems of the development of SMEs that still lack further attention, this development research was carried out. This research is a development research, which aims to develop the development of SMEs after obtaining Qordhul Hasan financing, especially fish, vegetable and fruit traders. The formulation of this research consists of: 1) How is the Management Model of Small and Medium Enterprises (SMEs) in the Campurejo village market. 2) How is the development of small and medium enterprises after getting Qordhul Hasan financing from BMT Mandiri Sejahtera Campurejo. This study uses a qualitative research type using a descriptive approach. The results of this study are to determine: 1. Small and Medium Enterprises (UKM) Management Model in the Campurejo village market, which include: a) To trade fish in the small traders market does not require a lot of capital, because most small fish traders only requires market land rent of Rp. 150,000, - per month, and every day there is still another withdrawal of Rp. 2,000, - / day. And money to buy merchandise in the form of the fish. b) To buy vegetables every day it is only around Rp. 90,000, - to Rp. 120,000, -. Meanwhile, to buy fruit, they spend around IDR 1,000,000/purchase.2. The development of small and medium enterprises after obtaining financing from Qordhul Hasan from BMT Mandiri Sejahtera Campurejo, which include: a) Small and Medium Enterprises (SMEs), selling fish business. This business can continue to run smoothly in trading and buying and selling fish in the market. Before applying for financing, Qordhul Hasan earned a net profit of Rp. 50,000 after doing the financing to Rp. 80,000. b) Small and Medium Enterprises (SMEs), businesses selling vegetables. These businesses can continue to run smoothly in trading and buying and selling vegetables in the market. Before applying for financing, Qordhul Hasan earned a net profit of Rp. 100,000 after doing the financing to Rp. 150,000. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-07-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/368 10.55352/ekis.v1i2.368 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 2 (2019): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah ; 87-103 2828-6278 2655-5492 10.55352/ekis.v1i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/368/352 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/370 2023-05-28T19:54:20Z ekis:ART

Implementasi Nilai-nilai Islam untuk Mendapatkan Nasabah yang Loyal dalam BMT Mandiri Sejahtera Cabang Dukun Hadi Siswo M. Fathor Rohman Ainur Rofiq Penerapan Nilai-nilai Islam, BMT, Loyal The Sharia Financial Services Cooperative (KJKS) Baitul Mal Wat Tamwil (BMT) Mandiri Sejahtera Karangcangkring Dukun Branch is a growing financial services company that requires efforts to develop one of them through customer loyalty in order to gain the trust of customers, so that with the existence of customers who loyally participate in advancing BMT Mandiri Sejahtera Karangcangkring Dukun Branch with the formulation of How to apply Islamic Values ​​at BMT Mandiri Sejahtera Karangcangkring East Java Branch Dukun Gresik in getting loyal customers and how the strategy of BMT Mandiri Sejahtera Dukun Branch in getting loyal customers. This research is a qualitative research that uses empirical methods. Qualitative research is research in the form of words or not numbers, even if there are numbers, they are supporting. While the empirical method is research that aims to reveal the reality in the field by taking data based on the experience of respondents, where the law is seen as a fact because the law will interact with other social institutions. The purpose of analyzing these two things is to make a description of one object according to the facts so that BMT Mandiri Sejahtera Karangcangkring East Java Branch of Dukun Gresik can get loyal customers in accordance with Islamic values. And the instruments of this research are interviews, observations, literature studies and questionnaires. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-07-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/370 10.55352/ekis.v1i2.370 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 2 (2019): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah ; 104-115 2828-6278 2655-5492 10.55352/ekis.v1i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/370/353 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/372 2023-05-28T19:54:20Z ekis:ART

Service and Product Quality terhadap Keputusan Customer Membuka Simpanan Umroh di BMT Sunan Drajat Pusat (Studi BMT Sunan Drajat Pusat) Anisaul Wahdah Siswadi Erly juliyani Pelayanan, Kualitas Produk, Keputusan Nasabah membuka simpanan umroh. Service and product quality are 2 factors that influence customer decisions. Service components are used to give a good impression to consumers. So that consumers can attract other potential customers. Product quality is also a component of understanding the products offered with more selling value that is not owned by competitors' products. Umrah deposits make it easier for customers to determine the departure of Umrah in a planned manner and help in the management of funds to perform Umrah worship. Research objectives; 1. To find out whether the service affects the decision of customers to open Umrah deposits at BMT Sunan Drajat Pusat. 2. To find out whether the quality of the product affects the decision of customers to open Umrah deposits at BMT Sunan Drajat Pusat. This type of research uses quantitative research methods. The data used is the primary data of secondary funds. The instruments used are questionnaires and documentation.  Data analysis techniques use multiple linear regression tests and hypothesis tests. The results of this study 1) service variables affect the decision of customers to open Umrah deposits. This can be seen from the results of multiple regression analysis and hypothesis tests obtained indicators that greatly affect employee service to customers with a Test value of T 3,379 meaning that the service has a positive and significant effect on the decision of customers to open Umrah savings. 2) Product quality variables affect the decision of customers to open Umrah deposits. This can be seen from the results of multiple regression analysis and hypothesis tests obtained indicators that are very influential is the product can be trusted by customers with a test value of T 3,369 meaning the quality of the product has a positive and significant effect on the decision of the customer to open Umrah savings. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-07-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/372 10.55352/ekis.v1i2.372 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 2 (2019): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah ; 116-129 2828-6278 2655-5492 10.55352/ekis.v1i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/372/354 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/373 2023-05-28T19:54:20Z ekis:ART

Pengaruh Kualitas Produk dan Promosi dalam Meningkatkan Volume Penjualan Mi Lidi (Studi di UD NNR Jaya Desa Sumuragung, Kecamatan Baureno, Kabupaten Bojonegoro) Linda Widiawati Akhmad Sirojuddin Munir Dymas Yulia Putri Kusumaningtyas kualitas produk, promosi, volume penjualan. UD NNR Jaya is one of the snack food businesses that produces Mie sticks in Sumuragung Village, With many competitors engaged in the food sector, it is hoped that UD NNR Jaya can continue to increase the sales volume of its products to be able to maintain its trading business position in the midst of society in an era of business competition getting tighter. This is because each company will try to differentiate and provide added value to the products on offer. Among the factors that affect sales volume are product quality and promotion. The purpose of this study was to determine whether product quality had an effect on the sales volume of UD NNR Jaya stick noodles, and whether promotion had an effect on the sales volume of UD NNR Jaya stick noodles. The author uses quantitative research in this study. Samples were taken from 96 consumers of UD NNR Jaya. The method of data collection in this study is primary or directly from the questionnaire. Data analysis techniques in this study are validity test, reliability test, and hypothesis testing. The hypothesis test used in this study is the t test, and the (R2) test. The results of this study concluded that the value of tcount for variable X was 1.095 while ttable was 1.985, so tcount (1.095) < ttable (1.985), then the quality of the product partially had no effect on the sales volume of UD NNR Jaya stick noodles. And the value of tcount for variable X is -0.010, while ttable is 1.985, then tcount (-0.010) < ttable (1.985). So the promotion partially has no effect on the sales volume of UD NNR Jaya stick noodles. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-07-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/373 10.55352/ekis.v1i2.373 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 2 (2019): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah ; 130-141 2828-6278 2655-5492 10.55352/ekis.v1i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/373/355 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/374 2023-05-28T20:38:56Z ekis:ART

Perbandingan Kinerja Keuangan Perbankan Syariah dan Perbankan Konvensional Periode 2016-2020 Menggunakan Metode RGEC (Studi pada Bank BRI dan BRI Syariah) Muhammad Jefri Sutopo Abdullah Zawawi Bank BRI Syariah, Bank BRI, Kinerja Keuangan, RGEC. Banks have a very important role in assisting human daily activities in carrying out economic activities. Banks cannot be separated from the life of modern society today because every economic activity is carried out through banks. There are generally 2 banks in Indonesia, namely Conventional Banks and Islamic Banks. Of the two banks, of course, have their own advantages and disadvantages. Therefore, it is necessary to make a comparison between their financial performance so that customers choose the best bank for them. . This study aims to examine and prove empirically about the comparison offinancial performance between PT. BRI Syariah Bank and PT. Bank BRI during the 2016-2019 The data used is secondary data in the form of financial reports from companies obtained from financial statements published by Bank Indonesia through the www.bi.go.id website, the OJK website and from the official websites of each bank. Data analysis was performed using financial ratio analysis consisting of CAR, NPL, ROA, ROE, BOPO, LDR. The analytical technique used to compare the financial performance of Bank Syariah Mandiri with Bank Muamalat Indonesia is the Independent sample t-test method. The results of the independent sample t-test statistical test showed that there was no significant difference between the CAR ratio of BRI Syariah Bank and BRI Bank. Meanwhile, the NPL, BOPO, ROA, ROE and LDR ratios of BRI Syariah Banks are significantly different from those of BRI Banks. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/374 10.55352/ekis.v1i1.374 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 1-15 2828-6278 2655-5492 10.55352/ekis.v1i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/374/356 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/375 2023-05-28T20:38:56Z ekis:ART

Preferensi Santri Putra pada Bmt Sunan Drajat Paciran di Pondok Pesantren Sunan Drajat Lamongan Fatkhur Rouf Musbikhin Ahmad Afan Zaini Preferensi, Santri, BMT Sunan Drajat. BMT Sunan Drajat Paciran is one of the BMT that was established on 07 November 2018. BMT Sunan Drajat is a Sharia based microfinance institution where the main target is the Paciran community and Sunan Drajat Lamongan Students. And the purpose of establishing BMT Sunan Drajat Paciran is to help the community in increasing their opinion, and also to save the community from the snares of moneylenders. In addition, BMT Sunan Drajat Paciran also has another purpose, namely to accomodate, serve students in financial matters such as lending and borrowing, saving, and others. This study aims to answer, describe, and analyze the formulation of the problem, namely how the preferences of male student at BMT Sunan Drajat. The research is quantitative research. By using the Chi Square test analysis method and the research instrunent used to collect data is by using interviews, questionnaires, and documentation. The results of this study are 1) in the knowledge variable there is a calculated Chi Square value is equal to 10, 967. Because the value of Chi Square < 13,362, it can be concluded that H0 is accepted and Ha is rejected. Thus it can be interpreted that male students do not have a good preference for BMT Sunan Drajat. 2) in the professionalisme variable there is a calculated Chi Square value of 14,225. In the access variable there is a calculated Chi Square value of 18,909. In the facility variable, the calculated Chi Square value is 14,474. Becauseall Chi Square Values > 13,362, it can be concluded that H0 is rejected and Ha is accepted. Thus it can be interpreted that male students have a good preference for BMT Sunan Drajat. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/375 10.55352/ekis.v1i1.375 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 16-26 2828-6278 2655-5492 10.55352/ekis.v1i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/375/357 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/376 2023-05-28T20:38:56Z ekis:ART

Analisa Laporan Keuangan sebagai Alat untuk Menilai Kinerja pada KSU “Kencana Makmur” Cabang Laren Firman Nur Aprilianto Biyati Ahwarumi Anisatul Mahmudah Analisis Laporan Keuangan, Kinerja Keuangan KSU Kencana Makmur Laren Branch needs to analyze financial statements in order to know the company's financial picture from period to period. Qualitative research. The research formulation consists of: 1) How is the financial reporting system at KSU "Kencana Makmur" Laren Branch?, and 2) How is the use of financial statements to analyze financial ratios in measuring the level of Liquidity, Solvency, and Profitability at KSU "Kencana Makmur" Branch Laren?. The method used in this research is descriptive analysis research method, with data collection procedures, interviews, and documentation. From this research, the results obtained are that: 1) The financial reporting system of KSU Kencana Makmur Laren Branch follows the application of the sharia cooperative version of the banking system data base, where every data transaction is recorded in the existing data application. 2) The financial performance of KSU Kencana Makmur Laren Branch in 2012 to 2014 increased and decreased as follows: Liquidity: (a). Current Ratio is 2.46% (in 2012), 2.29% (in 2013), and 2.59% (2014). (b). The Quick Ratio was 2.4% (in 2012), 2.3% (in 2013) and 2.5% (in 2014). Solvency: (a). The Total Debt to Total Asset Ratio was 0.5% (in 2012), 0.6% (in 2013) and 0.6% (in 2014). Profitability: (a). Net Profit Margin, by 0.2%% (in 2012), by 0.6% (in 2013) and by 0.4% (in 2014). (b). Return on Equity Capital was 0.1% (in 2012), 0.2% (in 2013) and 0.2% (in 2014). It can be concluded that the financial condition of KSU Kencana Makmur Laren Branch in 2012 to 2012 was not in a good condition, especially the level of profit. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/376 10.55352/ekis.v1i1.376 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 27-39 2828-6278 2655-5492 10.55352/ekis.v1i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/376/358 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/377 2023-05-28T20:38:56Z ekis:ART

Penanganan Pembiayaan Muarabahah yang Bermasalah di Kopersi Jasa Keuangan Syariah Mandiri Sejahtera Cabang Campurejo Panceng Gresik Agus Setiawan Miftahul Amin Nashihin KJKS - Mandiri Sejahtera,faktor penyebab pembiayaan bermasalah KJKS- Mandiri Sejahtera Campurejo Branch is a sharia-based cooperative engaged in financial services in Panceng District, Gresik Regency. One of them is murabaha financing. This cooperative in distributing murabahah financing has internal and external obstacles, including: factors from the management of KJKS- Mandiri Sejahtera Campurejo Branch itself as well as factors from customers. Based on the above background, the authors conducted a study entitled Handling Problems with Murabahah Financing at the Mandiri Sejahtera Syariah Financial Services Cooperative, Campurejo Panceng Gresik Branch. The research that the writer did was included in the descriptive qualitative research. And in collecting data, the author uses the method of observation, interviews or interviews and documentation. As for the analysis, the author uses the SMART analysis technique. The handling of problematic murabahah financing at KJKS- Mandiri Sejahtera Campurejo Branch has used procedures in accordance with existing theories, namely: Given invoices, rescheduling, confiscation of guarantees and execution of guarantees. The factors causing the occurrence of problematic murabahah financing at KJKS-Mandiri Sejahtera Campurejo Branch are: Internal factors caused by officers and the system. While external factors are caused by customers or conditions. Handling problematic murabahah financing at KJKS- Mandiri Sejahtera Campurejo Branch, although there are procedures that are in accordance with theory, the manager prefers to pray and discuss the reasons for: 1. According to the manager praying is the first step so that God opens the door of the customer's heart, 2. Discussions aimed at influencing beliefs that can change their behavior and also do not pose the risk of physical or mental clashes Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/377 10.55352/ekis.v1i1.377 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 40-49 2828-6278 2655-5492 10.55352/ekis.v1i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/377/359 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/378 2023-05-28T20:38:56Z ekis:ART

Pengaruh Kepemimpinan Terhadap Pola Kerja Pesantren (Studi Kasus di Bidang Perekonomian Pondok Pesantren Sunan Drajat Lamongan) Yayuk Fauziyatun Nisa Siswadi Kepemimpinan, Kinerja, Karyawan Pesantren. The leader is one of the essences of management, the main resource and the central point of every activity that occurs in a company. How the creativity and dynamics of a leader in carrying out his leadership authority will greatly determine whether the company's goals can be achieved or not. Leaders who are dynamic and creative, the organization they lead will also be more dynamic and the activities that will be carried out will be more and more. The problems in this study are, 1. How is the leadership style of the head of the economic field of the Islamic boarding school Sunan Drajat Lamongan, 2. Is there any influence of leadership on the economic performance of the employees of the Islamic boarding school Sunan Drajat Lamongan. As for in this study the authors used quantitative data. Research starts from theories or hypotheses using a correlational approach. The results of this study are, 1). The leadership style applied by the head of the economic field of the Islamic boarding school Sunan Drajat Lamongan is a situational style. This is evidenced by the results of interviews and research that has been carried out by researchers. 2). The results of the regression test on the leadership style variable on employee performance in the economic field of the Islamic boarding school Sunan Drajat Lamongan obtained the regression equation Y = 21.740 + 0.464 X. And the results of the hypothesis test obtained a t-test result of 3.168 with a significant level of 0.002. The significant value is less than 0.005 (0.002 < 0.005), thus H0 is rejected and H1 is accepted. So it can be said that there is a positive and significant influence between the influence of leadership style on employee performance. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2019-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/378 10.55352/ekis.v1i1.378 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 50-73 2828-6278 2655-5492 10.55352/ekis.v1i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/378/360 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/607 2023-11-27T20:27:14Z ekis:ART

Budaya Organisasi Mempengaruhi Kinerja Karyawan CV. Air Mineral dalam Kemasan Aidrat Pondok Pesantren Sunan Drajat Banajarwati Paciran Lamongan Siswadi, Siswadi Rozikin, Ahamad Khaerul Ariyanti, Fitri Siswadi, Siswadi Organizational culture Employee performance Culture in the organization can optimize the attitude of employees in acting according to the expectations and goals of the organization. The performance of an employee is individual, because each employee has a different level of ability in carrying out their duties. This research is a quantitative study, which aims to analyze the influence of organizational culture on the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. The research formulation consists of: 1) is there an influence of organizational culture on the performance of employees of CV. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan?, and 2) how much influence does organizational culture have on employee performance at CV. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan?. This study uses primary data and secondary data. The sample used is a saturated sample that uses all members of the population as a sample of 23 people. And the data collection techniques used are: Questionnaire (Questionnaire) and Documentation. As well as data analysis techniques used simple regression analysis and T test. The results of the analysis show that organizational culture influences the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. The results showed that it was suspected that there was a positive influence between organizational culture on the performance of employees at CV. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. And quite a big influence of organizational culture on the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan so that the Organizational Culture in the company is very influential in improving the performance of CV employees. AMDK AIDRAT Pondok Pesantren Sunan Drajat Banjaranyar Paciran Lamongan. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-07-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/607 10.55352/ekis.v5i2.607 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 90-115 2828-6278 2655-5492 10.55352/ekis.v5i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/607/529 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/610 2023-11-27T20:27:14Z ekis:ART

Strategi Pemasaran di Toserba Sunan Drajat Perspektif Ekonomi Syariah Musthofa, R. Zainul Aminah, Siti Marketing Strategy , Sunan Drajat Department Store Sharia Marketing Principles In every company must have a different marketing strategy, but there may also be the same. It's the same with the Sunan Drajat Department Store, because this is done in order to direct business efforts towards success. While we as Muslims in running a business, it is not enough just to implement strategies that are widely used by conventional people, but these strategies must also be based on sharia principles and values. The research method used is a qualitative research method, which is sourced from primary and secondary data, and uses data collection techniques including; observation, interview, and documentation. The results of this study are: 1. The marketing strategy implemented by the Sunan Drajat Department Store, includes: a. In terms of price, that is not only looking for profit but also for charity (as a supporter of PPSD development). b. In terms of location, namely always maintaining the cleanliness of the location. c. In terms of HR (people), namely trying to provide good service to consumers. d. Promotion is trying to be honest in introducing products to consumers. 2. In determining or assessing the strategy implemented by the Sunan Drajat Department Store with sharia principles, there are several indicators that must be met, including: a. The principle of Rabbaniyah, namely not only seeking worldly benefits, but also the hereafter. b. Ethical Principles, namely providing good service to consumers. c. Realistic Principles, that is clean, tidy, understated, flexible, and flexible in appearance. d. Humanistic Principles, namely providing universal services. In conclusion, it can be seen that the marketing strategy implemented by the department store is in accordance with sharia marketing principles. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-07-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/610 10.55352/ekis.v5i2.610 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 58-89 2828-6278 2655-5492 10.55352/ekis.v5i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/610/528 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/611 2023-11-27T20:27:14Z ekis:ART

Penerapan Strategi Marketing dalam Meningkatkan Pelanggan di Toserba Sunan Drajat (Studi di Toserba Sunan Drajat Banjarwati Paciran Lamongan) Putri, Rizqi Ananda Abdullah Zawawi Maghfur, Arif Strategy Marketing Toserba Sunan Drajat The development of the business world is growing rapidly both in the service and industrial sectors. This causes competition between companies to become increasingly stringent. This requires companies to improve their capabilities so that the products or services produced are increasingly innovating. So in the process a marketing strategy is needed to improve the development of the business. This type of research uses qualitative research methods with a descriptive approach which is obtained through collecting data from the process of observation, interviews/interviews, and documentation. While the data analysis technique used is data reduction, data presentation, and conclusion. The purpose of this research is to answer, find out, describe and analyze the formulation of the problem; 1) at the Sunan Drajat Banjarwati Paciran Lamongan Department Store. 2) How to plan the implementation of the marketing strategy at the Sunan Drajat Banjarwati Paciran Lamongan Department Store. 3) What are the supporting and inhibiting factors encountered in marketing products at the Sunan Drajat Department Store Banjarwati Paciran Lamongan. The analysis used is the Marketing Mix analysis approach with seven indicators from an internal and external perspective. In addition, it is strengthened by Segmentation, Targeting and Positioning which are collaborated on the analysis of the application of marketing strategies at the Sunan Drajat Department Store. The results of the study explain that the Sunan Drajat Department Store applies a marketing mix strategy, namely product, place, price, promotion, people, processes, physical evidence and in its development also apply segmentation, targeting, and positioning in it. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-07-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/611 10.55352/ekis.v5i2.611 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 116-134 2828-6278 2655-5492 10.55352/ekis.v5i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/611/530 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/612 2023-11-27T20:27:14Z ekis:ART

Legalitas Cryptocurrency: Tinjauan terhadap Fatwa-Fatwa Institusi dan Personal Arzam, Arzam Fauzi, Muhammad Mursal, Mursal Muid, Abdul Cryptocurrency Digital Currency Blockchain Fatawa Islamic economics This study aims to review and comprehensively explain the legality of Cryptocurrency based on a number of institutional and personal fatawa. To answer the research objectives, it was carried out using descriptive research with a qualitative approach. The research data comes from secondary data in the form of institutional and personal fatawa that have been published online, and are accompanied by supporting writings explaining these fatawa. The collected research data were analyzed by following the steps including material collection, discussion, and descriptive analysis. This research shows that a number of institutional and personal fatawa are divided into three decisions on the legality of Cryptocurrency, namely the first is Halal Cryptocurrency; on the grounds that it can be treated as a form of Maal (property), because it is based on social approval and general use so it is permissible to own;, trade;, transact;, etc. there is a clear decision), on the grounds of excessive gharar (speculation); security risk; can easily be used in illegal activities;. Third, Cryptocurrencies are illegal, for various reasons, they are not currency and are not legal means of payment; decentralized validation; excessive gharar (speculation); can easily be used for maysir (gambling);, and used to fund terrorists;. This research needs to be continued considering the limitations it has, such as seeing arguments against Cryptocurrency due to its properties (characteristics) so it is very good and it takes hard work to see it from various perspectives. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2023-07-30 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/612 10.55352/ekis.v5i2.612 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 5 No. 2 (2023): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 135-148 2828-6278 2655-5492 10.55352/ekis.v5i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/612/531 Copyright (c) 2023 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/625 2024-02-05T02:22:09Z ekis:ART

Strategi Toserba Sunan Drajat Paciran Lamongan dalam Menarik Minat Berbelanja Masyarakat Fi Jaisyi, Muhammad Musthofa, R. Zainul Aminah , Siti Ulum, Miftachul Strategy Shopping Interest Sunan Drajat Paciran Department Store The number of modern retailers in the Paciran area, Lamongan indicates that retail business competition in this area is becoming increasingly complex. Therefore, retailers try to design a strategy to take advantage of opportunities appropriately because these strategies play an important role in facing market competition. Retailers have their own strategies and ways related to the market they want to get, so the business strategy of each retailer is required to be able to attract attention and meet the needs and desires of consumers. This research aims to know, analyze and prove the formulation of the problem; 1) What is the strategy carried out by Sunan Drajat Department Store in attracting public shopping interest? 2) What are the factors that cause the high interest of people to shop at Sunan Drajat Department Store?. This type of research uses descriptive qualitative research methods, using primary and secondary data sources obtained through data collection from the observation process, interviews, and documentation. While the data analysis techniques used use data reduction techniques, data presentation, and conclusion drawing. The result of this study is Sunan Drajat Paciran Department Store in attracting public shopping interest by using 5 strategies, namely product strategy, price strategy, promotion strategy, service strategy, and physical facilities. The reason why consumers shop at Sunan Drajat Department Store if sorted from the most prominent reason is the influence of Sunan Drajat, KH. Abdul Ghofur and pesantren, then prices, services, products, promotions, and facilities. This is in accordance with the theory put forward by Utami and Christina Widya in their book Retail Management that the components of the retail mix strategy are products, prices, promotions, services, and physical facilities Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-01-02 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/625 10.55352/ekis.v6i1.625 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 1-19 2828-6278 2655-5492 10.55352/ekis.v6i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/625/605 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/660 2024-02-05T02:22:09Z ekis:ART

Penerapan Analisis Swot terhadap Strategi Pengelolaan Bumdes Mitra Sejahtera dalam Peningkatan Ekonomi Masyarakat Studi Kasus Desa Tempuran Kecamatan Ngluyu Kabupaten Nganjuk Jawa Timur Rodiatuz Zahro, Dewi Anifa Zaini, Ahmad Afan Munir, Akhmad Sirojudin SWOT Analysis Management BUMDes Community Economic Improvement The management of BUMDes Mitra Sejahtera aims to act as a driving force for village-level local development. The management of Mitra Sejahtera BUMDes is based on potential needs, village capacity, increasing village community income with the aim of improving the community's economy based on cooperative, emancipatory and participatory principles from the community. The discussion of this research aims to analyze the SWOT method, challenges to the Mitra Sejahtera BUMDes manager, with the aim of being able to overcome all the problems that will later become obstacles to the glory of Mitra Sejahtera BUMDes by using the SWOT method. The research methodology used in this study is a qualitative approach, namely by interviewing the community, the head of the Mitra Sejahtera BUMDes, the village head. In order to find out the management carried out by the Mitra Sejahtera BUMDes which is used to improve the community's economy. This discussion gets The result is that Mitra Sejahtera BUMDes has many opportunities to improve the community's economy, has competent leaders and has good planning and management which is very necessary for the progress of Mitra Sejahtera BUMDes. the research that has been done is the application of swot analysis to the prosperous partner BUMDes management strategy in improving the community's economy. where people participate and cooperate with each other. In the management of BUMDes where HR is the determinant of the running of a Mitra Sejahtera BUMDes, it is necessary to provide education to the community and education to managing HR. With a SWOT analysis, it can make it easier and know where to study events and threats in the future, anticipate losses if an obstacle occurs and with this analysis it can be avoided and applied for the good and welfare of society and can help people in need Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-01-02 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/660 10.55352/ekis.v6i1.660 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 49-67 2828-6278 2655-5492 10.55352/ekis.v6i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/660/608 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/662 2024-02-05T02:22:09Z ekis:ART

Pandangan Abdullah Saeed Tentang Riba: Teks dan Konteks Ekonomi Islam Azid, Raka Malik Abdullah Saeed Text Islamic Economic Context The aim of this research is to determine the interpretation of usury using Abdullah Saeed's views. The method used is a qualitative method with a literature review type with data collection techniques using context analysis. The results obtained are that Abdullah Saeed is a Muslim scholar who has the concept of contemporary thought with various brilliant ideas by creating the values ​​of hierarchical principles. Seed has interpreted everything that is still being discussed in circles, one of which is usury. Usury does not necessarily mean that it is haram. According to Saed, there is a need for references from historical narratives to see a problem, such as covering the scope of a law, not necessarily directly legalizing usury law itself. Likewise, humans do not have to always prioritize the `illah aspect (literally in the text of the Qur'an) by ignoring the reasons underlying its interpretation (hikmah). The haram labeling of usury is a view only from the 'god' side, without using wisdom. So, if we look at usury from the perspective of `illat, it is clearly considered haram. However, according to Saeed, the addition of bank interest to debtors is done for a moral aspect. The aspect is mutually beneficial to each other, where the debtor borrows to meet his needs and business, while the institution provides additional fees to the debtor who are due as sanctions and intimation profits to roll back the results of the additional fees Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-01-02 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/662 10.55352/ekis.v6i1.662 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 20-31 2828-6278 2655-5492 10.55352/ekis.v6i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/662/606 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/711 2024-02-05T02:22:09Z ekis:ART

Analisis Penggunaan Akad Kafalah bi Al Ujrah pada Produk BSI Hasanah Card di Bank BSI–KCP UINSA Surabaya Mahfudloh, Filla Apriliani Asy'ari, Mochammad Syahrul Huda, Bakhrul Kafalah Ujrah BSI Hasanah Card This research aims to find out how the kafalah contract is used in BSI Hasanah Card products. The research method used is a qualitative method using a descriptive approach. The data sources used are primary data and secondary data. Primary data was obtained through a direct interview process with BSI KCP UINSA Surabaya. Secondary data was obtained from various literary sources such as books, journals, articles and other documents that support discussions related to the research theme. The results of this research show that the BSI Hasanah Card is in accordance with sharia principles. BSI Hasanah Card uses three sharia contracts, namely the kafalah bil ujrah, qard and ijarah contracts. The use of the BSI Hasanah Card places restrictions on its users by not being able to use it for types of transactions that are not in accordance with sharia. This can provide a sense of security and eliminate worry for BSI Hasanah Card users from all forms of transactions that contain elements of gharar and usury and are not in accordance with sharia provisions. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-01-02 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/711 10.55352/ekis.v6i1.711 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 32-48 2828-6278 2655-5492 10.55352/ekis.v6i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/711/607 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/786 2024-02-05T02:22:09Z ekis:ART

Strategi Koperasi Syariah TKI Artha Mulya dalam Meningkatkan Perekonomian Purna TKI Abdullah Zawawi Wulandari, Erni Artha Mulya TKI Syariah Cooperative Creative Economy Economic Improvement The Artha Mulya TKI Cooperative is a Sharia Cooperative founded by TKI and retired TKI. The Artha Mulya TKI Sharia Cooperative has a market segment that includes the middle to lower levels of society. This research aims to answer, describe and analyze the problem formulation, namely 1. What is the Strategy of the Artha Mulya TKI Cooperative in Improving the Economy of Retired TKI through Creative Economy activities. 2. What are the obstacles and solutions for the TKI Artha Mulya Sharia Cooperative in improving the economy of retired TKI through creative economic activities. The research method used in this research is descriptive qualitative, namely a research method based on scientific objects. And the research instruments used to collect data are observation, interviews and documentation. The Artha Mulya TKI Sharia Cooperative has become popular and close to the community. The results of this research concluded that: (1) The Artha Mulya TKI Sharia Cooperative has several strategies to help improve the economy of its members and the wider community, namely borrowing business capital, creating business groups, holding business training, supplying raw goods, marketing production results, helping with paperwork. permission, while the strategy for the TKI Artha Mulya Sharia Cooperative in improving the economy of retired TKI through creative economic activities is to create a creative economic business in the form of a snack making business with the name "Snack Bu Ernie and KKBM Bintang Mulya". (2) The existence of creative economic activities held by the Artha Mulya Sharia Cooperative in this new normal era has increased the income level of retired migrant workers. The Artha Mulya TKI Sharia Cooperative has several obstacles in helping to improve the economy of retired TKI through creative economic activities, namely capital constraints, member creativity constraints, and product marketing constraints Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-01-02 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/786 10.55352/ekis.v6i1.786 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 68-83 2828-6278 2655-5492 10.55352/ekis.v6i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/786/609 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/888 2025-01-01T04:18:35Z ekis:ART

Analisis Rasio 3 - Bank Komersial dengan Uji - Rls: Implikasi dan Bukti Kinerja Keuangan Bank Indonesia dan Malaysia Lucky, Muhammad Zawawi, Abdullah Commercial Banks Financial Performance Bank Standardization Financial Ratios Abstracts This research aims to analyze the interaction between commercial banks in Indonesia and commercial banks in Malaysia on bank financial performance reports seen from the ratio aspect of bank financial reports. The method used in this research is a quantitative descriptive method by knowing the existence of the Dependent variable value on the variable (Independent) or more without making relationships and comparisons with other variables. In terms of bank value using the 3 - RLS implementation route, namely, the bank's Profitability Ratio is calculated by looking for Return on Assets (ROA), Return on Equity (ROE), Net Profit Margin (NPM), and Operating Expenses / Operating Income (BOPO). The Liquidity Ratio is calculated by finding the Quick Ratio (QR), Loan to Deposit Ratio (LDR), and Loan to Assets Ratio (LAR). The Solvency Ratio is calculated by looking for the Capital Adequacy Ratio (CAR) and Debt to Equity Ratio (DER). The results of this research evaluate and see the feasibility of 3 commercial banks in Indonesia and Malaysia against the Central Bank using the Triple - RLS method concept. As for commercial banks, there is policy integration with central bank criteria. Therefore, there needs to be discipline and commitment in improving financial performance in financial reports between Indonesian and Malaysian commercial banks. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-07-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/888 10.55352/ekis.v6i2.888 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 2 (2024): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 90-112 2828-6278 2655-5492 10.55352/ekis.v6i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/888/749 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/917 2025-01-01T04:18:35Z ekis:ART

Sistem Cash on Delivery (COD) dalam Jual Beli Online Menurut Perspektif Ekonomi Islam Musbikhin, Musbikhin Maghfur, Arif Elisia, Dian Cash on delivery (COD) system online buying and selling Islamic economic perspectives Online buying and selling are transactions carried out by parties using the internet network. The payment method that is often used today is the COD system. The aim of this research is to find out and explain the mechanism of the Cash On Delivery (COD) system in online buying and selling according to an Islamic economic perspective. In this research the researcher used a library research method with descriptive qualitative analysis using a deductive method regarding the cash on delivery (COD) system and analyzed using an Islamic economics approach. The results of this research include the following: 1) the online buying and selling mechanism with the COD system in the marketplace can be implemented by selecting the goods first and then payment is made in cash when the goods arrive. To purchase products, you can order them via the website or application. 2) (2) Based on the analysis of online buying and selling using the COD system carried out by the marketplace, it is in accordance with Islamic economic principles, such as aspects of justice, transparency and compliance. So online buying and selling using the COD system is permitted from a Sharia Economic perspective. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-07-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/917 10.55352/ekis.v6i2.917 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 2 (2024): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 84-89 2828-6278 2655-5492 10.55352/ekis.v6i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/917/753 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/935 2025-01-01T04:18:35Z ekis:ART

Pandangan Yusuf Qardawi dalam Kitab Daurul Qiyam Wal Akhlaq Fil Iqtishadil Islami Mengenai Etika Produksi, Konsumsi dan Distribusi dalam Upaya Membangun Kesadaran Bisnis Beretika Ghofur, Abdul Samsuri, Ali Yusuf Qordawi's Thoughts Ethics, Production Consumption Distribution The term Islamic economics has existed since the religion of Islam emerged in the world. Yusuf alQardhawi described Islamic Economics as an economic system rooted in religious principles. According to him, this is a system inspired and regulated by Allah SWT, with goals and laws originating from His teachings. All economic activities, such as production, distribution, consumption, and international trade, are directed by divine principles and aim to gain God's approval. In an era of globalization that tends to ignore morals and ethics, Yusuf al-Qardhawi emphasizes the importance of Economic Ethics, which he considers to be the guardian of economic sustainability. This research uses a qualitative approach to explore and explain qualities and social aspects that cannot be measured quantitatively. The scientific method used is library research, which relies on data and information from various sources in the literature. From a production perspective, Islamic Economics encourages everyone to work diligently and compete to find work, because this is considered an obligation and honor, as well as the right of every individual. In the consumption aspect, the wise use of wealth is emphasized, remembering that ownership of wealth is not the main goal, but rather a means to enjoy God's gifts. In distribution, the main principles are freedom and justice. Freedom in this case rejects oppression that hampers the lives of ordinary people and controls their sources of sustenance. Justice is defined as appropriate placement in the position that it should be. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-07-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/935 10.55352/ekis.v6i2.935 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 2 (2024): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 125-140 2828-6278 2655-5492 10.55352/ekis.v6i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/935/751 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/941 2025-01-01T04:18:35Z ekis:ART

Regulation and Practice of Salam and Istishna Contracts in The Islamic Banking System in Indonesia Amalia, Eliza Rahma, Ely Aulia, Mutifah Qamariah, Zaitun Akad Salam Istishna Sharia Banking Regulation Practice This study analyzes the regulation and practice of akad salam and istishna in the Sharia banking system in Indonesia. By paying attention to the existing regulatory framework, this article examines the practical implementation of akad salam and istishna by Sharia banks in Indonesia as well as the challenges faced in the application of the contract. The results of the analysis highlight the importance of a deep understanding of sharia principles in the development of appropriate sharia banking products and services. Keywords: Akad Salam, Istishna, Sharia Banking, Regulation, Practice. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-07-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/941 10.55352/ekis.v6i2.941 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 2 (2024): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 113-124 2828-6278 2655-5492 10.55352/ekis.v6i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/941/750 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1012 2025-01-01T04:18:35Z ekis:ART

Faktor-faktor yang Mempengaruhi Volume Penjualan Pakan Ternak di PT Japfa Comfeed Indonesia, Tbk. Unit Makassar Aisyah, Aisyah Sari, Anita Azis, Winda Ariyanti Feed Livestock Sales Volume Product sales strategies are supported by technology that makes it easy for consumers to buy a product. According to Sulastri (2014) sales volume is the level of sales obtained by the company for a certain period in units (units/total/rupiah). The purpose of this study was to determine what are the factors that affect the sales volume of animal feed at PT. Japfa Comfeed Indonesia, Tbk. Makassar Unit. Feed is a single or mixed food material, both processed and unprocessed, which is given to animals for survival, reproduction and breeding. This research was conducted in April and July 2023, which took place at PT Japfa Comfeed Indonesia. Based on this, this research uses qualitative data so that in collecting data interviews with 30 respondents are conducted. The results of this study indicate that when viewed simultaneously or as a whole the factors that affect the sales volume of animal feed at PT. Japfa Comfeed Indonesia, Tbk. Makassar Unit, namely demand and supply, fluctuating feed prices, upward trends in raw material prices, and demand on holidays. However, after several data analysis tests, only demand and supply and the trend of rising raw material prices have a very strong (significant) influence on the volume of animal feed sales. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2024-07-29 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1012 10.55352/ekis.v6i2.1012 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 6 No. 2 (2024): Juli : Al-Muzdahir : Jurnal Ekonomi Syariah; 141-149 2828-6278 2655-5492 10.55352/ekis.v6i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1012/752 Copyright (c) 2024 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1262 2025-01-01T04:59:48Z ekis:ART

Pengaruh Social Media Marketing dan Influencer Marketing terhadap Keputusan Pembelian Produk Deliwafa di Kota Gresik Septrilia Putri, Alicya Dewi Zawawi, Abdullah Zaini, Ahmad Afan Social Media Marketing Influencer Marketing Purchasing Decisions The ease with which people can access information about a product has given rise to a new shopping system that can be done online. Then, this is used by companies to attract the interest of their potential consumers by utilizing social media as a part of digital marketing, this strategy is also called Social Media Marketing (SMM). One of the social media applications that is currently frequently used is the Tiktok and Instagram applications. The TikTok and Instagram application algorithms are different from other applications, making it easier for people to go viral and be recognized by many people. So, the term influencer emerged as someone who can have an influence on other people. To become a company that can be known to the wider public, a company must have a good brand image so that potential consumers can easily remember what products the brand produces. Referring to this, the question arises of the influence of social media marketing and influencer marketing on purchasing decisions for Deliwafa products in Gresik City. This research used quantitative research with 100 respondents who were followers of the Gresik City branch of the Deliwafa Instagram account who were analyzed using multiple linear regression. Based on the results of data analysis, it is known that social media marketing influences the decision to purchase Deliwafa products in Gresik City, the influencer marketing variabel also has a positive and significant influence on the decision to purchase Deliwafa products in Gresik City Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1262 10.55352/ekis.v7i1.1262 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 1-11 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1262/880 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1317 2025-01-01T04:59:48Z ekis:ART

Pengaruh Harga dan Promosi terhadap Keputusan Pembelian pada Layanan Dine-in di McDonalds Ciceri Kota Serang Novitasari, Sela Sari , Ade Ratna Price Promotion Purchase Decision The purpose of this research is to determine the effect of prices and promotions on customers' purchasing decisions for dine-in services at Mcdonalds Ciceri , Serang City, both partially and simultaneously. The method used in this research is associative quantitative with a population of 37,500 customers taken as a sample of 100 respondents. The sampling technique uses a probability sampling method, namely accidental sampling. The data analysis techniques in this research are: simple linear regression analysis, multiple linear regression analysis, and coefficient of determination analysis. Then hypothesis testing is the t test and f test. The results of this research are that price influences purchasing decisions, this can be seen from the t test with the calculated t value > t table or (10.084 > 1.660). This is also reinforced by the ρ value < Sig.0.05 or (0.000 < 0, 05). Promotions influence purchasing decisions this can be seen from the t test with the calculated t value > t table or (9.126 > 1.660). This is also reinforced by the ρ value < Sig.0.05 or (0.000 < 0.05). Price and promotions influence purchasing decisions, this can be seen from the results of the f test where F calculated > F table or (73.628 > 2.70), this is also reinforced by ρ value < Sig.0.05 or (0.000 < 0, 05).   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1317 10.55352/ekis.v7i1.1317 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 12-17 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1317/879 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1323 2025-01-01T04:59:48Z ekis:ART

Efisiensi Bank Umum dengan Pendekatan Data Envelopment Analysis (DEA) untuk Mewujudkan Green Banking di Indonesia fitri, Heti Suryani Fitri Abrianto, Heri Ramadhani, Annisa Alifa Dewanti, Lintang Kresna Jatiningrum, Pebriantika Wahyu Khairunnisa, Khairunnisa Commercial Banks Data Envelopment Analysis (DEA) Efficiency Green Banking Banking competitiveness can be reflected in the level of operational efficiency. Measuring performance based on efficiency is very crucial for banks. Banks that have better performance must manage efficiency levels to be better able to compete. This research aims to determine the level of efficiency of commercial banks and the potential for improving commercial bank inefficiencies. This type of research is quantitative descriptive research. The sample taken used purposive sampling, namely taking KBMI 4 banks, namely commercial banks which have core capital of more than 70 trillion, consisting of Bank BNI, Bank Mandiri, Bank BCA and Bank BRI. The data analysis method uses Data Envelopment Analysis (DEA) and the software used is MaxDEA. The results of this research show that the KBMI 4 bank that has achieved the most perfect efficiency levels, namely an efficiency score equal to 1, is BRI.  The reason for Bank KBMI's inefficiency 4 is that most of the resources used have not been able to increase interest income and fee based income. Potential improvements that can be made are by increasing Third Party Funds, increasing total assets, reducing labor costs and switching manual transaction strategies to digital transactions Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1323 10.55352/ekis.v7i1.1323 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 18-29 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1323/881 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1375 2025-01-01T04:59:48Z ekis:ART

Waste and Overconsumption in Modern Finance: an Analysis of Qs Values. Al-Isra: 26-27 Arum, Hafidza Sanshia Mawardi, Mawardi excessive consumption modern finance wastefulness israf Excessive consumption and wastefulness have become critical issues in modern finance, especially in the digital era that facilitates consumerist behavior through online shopping and easy access to credit. This article explores the impact of consumerist lifestyles on individual and global economic stability and its relevance to the Islamic prohibition of wastefulness as stated in QS. Al-Isra: 26-27. This study employs a qualitative descriptive approach using thematic exegesis to analyze the concept of israf in the Qur'an. Findings reveal that consumerist behaviors, such as impulsive buying and consumer debt, harm financial stability and psychological well-being while exacerbating social inequality. QS. Al-Isra: 26-27 offers moral guidance on prudent financial management, avoiding wastefulness, and prioritizing social responsibility. This article emphasizes the importance of Islamic finance education, the use of Islamic financial technology, and the application of maqasid shariah principles to establish a sustainable economic system. Hence, Islamic values can serve as an effective solution to address the challenges of consumerist lifestyles in the modern era. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1375 10.55352/ekis.v7i1.1375 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 30-50 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1375/862 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1413 2025-01-01T04:59:48Z ekis:ART

Syariah Pawnship in Indonesia: Analysis of Fiqh and Its Practice in Syariah Financial Institutions Mustaniroh, Mustaniroh Musadad, Ahmad Zahro, Umi Indasyah Pujiati, Tri sharia pawning banking pawning fiqh Sharia Economics Students, Financial Institutions, Cooperatives Economic and business developments are always accompanied by developments in capital requirements and additional business capital facilities which always require guarantees to maintain the security of the capital provided. business. Pawning is a type of debt and receivable agreement and has been in place since the time of the Prophet. Over time pawnshop institutions were formed to encourage economic survival. This research aims to explain various aspects of sharia pawning starting from the history, legal basis of sharia pawning to the implementation of pawning in both banking and pawnshop institutions in Indonesia. This research is research with a qualitative descriptive approach using documentation studies through references related to sharia pawning in Indonesia. The research results show that sharia pawn operations in Indonesia do not conflict with Islamic sharia (Al-Qur'an, Hadith, Ijma, and DSN Fatwa). Not only that, the principle of pawning is actually in line with maqashid sharia, namely the protection of property, body, mind, offspring and soul. Handling problems at sharia pawnshops by providing several ways to pay off and not adding to the burden of deposits and administration costs. The results of this research provide recommendations that the implementation of sharia pawning can be implemented in the community for the benefit of the people. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1413 10.55352/ekis.v7i1.1413 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 51-64 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1413/863 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1428 2025-01-01T04:59:48Z ekis:ART

Qiyas sebagai Metode Ijtihad dan Implementasinya dalam Transaksi Keuangan Ekonomi Islam Kontemporer Ummah, Ina Nasihatul Aziz, Jamal Abdul Qiyas ijtihad method economic transactions Along with the dynamic development of the times, many new products and cases have emerged in the modern economy. Islamic law has established and set boundaries on these issues concerning halal and haram aspects. The Qiyas method is necessary in legal studies to produce fiqh formulations in Islamic economic and financial law. Qiyas is the fourth source of law in Islam; this method of deriving law provides a broad pathway for finding legal foundations for all encountered issues. Viewed from the various types of 'illah, the deepening of law through the method of qiyas must be done carefully and cautiously. The dynamics of development and innovation of Sharia financial contracts in the Sharia economy will certainly become more modern in accordance with the times. Therefore, this poses a challenge for Muslim scholars to address so that it does not become a concern for the community when the application of Sharia finance contracts is packaged in a modern way, which on one hand requires the use of the qiyas method to determine their legal status. This paper aims to explain the concept of qiyas as a method of ijtihad in Islamic law and then examine the implementation of qiyas in contemporary Islamic economic transactions. The type of writing in this article is a library research study using a qualitative method aimed at discussing several themes about the definition of qiyas, the authority of qiyas, the pillars and conditions of qiyas, the types of qiyas, the dynamics of qiyas development, and the implementation of qiyas in contemporary Islamic economic transactions. In this article, it can be concluded that the implementation of Qiyas to determine its legal status can be formulated in the encyclopedia of contemporary sharia financial contracts that use the Qiyas method in determining the ashl and furu’ from the perspective of Islamic law. With transactions and financial products continuously evolving, many aspects of economic transaction activities that did not exist in the past have only emerged in the contemporary context, or it can be said that these transactions have developed from classical to contemporary. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1428 10.55352/ekis.v7i1.1428 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 65-81 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1428/867 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1442 2025-07-23T04:40:08Z ekis:ART

­­Peran Wakaf Produktif dalam Pemberdayaan Ekonomi Umat: Studi pada Model Pengelolaan Berbasis Maqashid Syariah Rupita, Nanda Ega Mawardi, Mawardi Productive Waqf Economic Empowerment of the people Maqasid Syariah This study aims to explore the role of productive Waqf in the economic empowerment of the Ummah through the approach of maqashid Sharia, namely the principles of protection of religion, soul, intellect, heredity, and property. Using qualitative methods based on literature studies, this study highlights the great potential of productive Waqf in supporting various strategic sectors such as education, health, economy, and infrastructure. The results show that professional management of waqf assets can generate sustainable benefits, such as financing social programs, developing MSMEs, and improving the quality of human resources. The main challenge in this management is the low literacy of waqf in the community as well as regulatory constraints that have not been fully supported. Nonetheless, the principles of maqashid Sharia provide a solid foundation to ensure that Waqf management is not only oriented towards economic benefits, but also creates significant social impacts. In conclusion, productive Waqf plays a strategic role as an instrument of Islamic philanthropy that not only supports poverty alleviation but also encourages people's economic independence holistically and sustainably. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1442 10.55352/ekis.v7i2.1442 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 147-164 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1442/1045 Copyright (c) 2025 Nanda Ega Rupita, Mawardi Mawardi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1445 2026-01-22T08:46:56Z ekis:ART

LARANGAN RIBA DALAM AL-QUR'AN DAN IMPLIKASINYA (QS. AL-IMRAN: 130, QS. AL-BAQARAH: 275-279) Afifah, Dhiya Dwi Mawardi Larangan riba keadilan ekonomi maqashid syariah Larangan riba dalam Al-Qur'an memiliki peran sentral dalam membangun sistem ekonomi yang adil dan berkelanjutan. Riba, yang berarti tambahan nilai tanpa dasar yang sah, dianggap sebagai praktik yang tidak hanya melanggengkan ketidakadilan sosial-ekonomi tetapi juga memperbesar kesenjangan serta merusak stabilitas masyarakat. Al-Qur'an dengan tegas melarang riba dalam beberapa ayat, seperti QS. Ali Imran: 130 dan QS. Al-Baqarah: 275-279, yang menjadi dasar norma-norma ekonomi dalam Islam. Kajian ini bertujuan untuk menganalisis konsep larangan riba berdasarkan kedua ayat tersebut menggunakan pendekatan kualitatif berbasis studi literatur, untuk menyoroti relevansi larangan riba dalam konteks ekonomi modern. Ayat-ayat Al-Qur’an yang mengatur larangan riba tidak hanya bersifat normatif, tetapi juga berfungsi sebagai panduan praktis dalam menciptakan sistem ekonomi yang berkeadilan. QS. Al-Baqarah: 275-279, misalnya, memberikan penekanan pada pentingnya menghindari praktik riba, yang kerap merugikan pihak yang lebih lemah dalam masyarakat. Dalam konteks historis, larangan ini bertujuan untuk mencegah akumulasi kekayaan di tangan segelintir individu yang menyebabkan ketimpangan ekonomi yang mendalam. Sebaliknya, ajaran ini mendorong sistem ekonomi yang memprioritaskan distribusi kekayaan yang adil, melindungi hak-hak individu, serta menjaga keseimbangan sosial.Dalam konteks ekonomi modern, larangan riba diterapkan melalui sistem perbankan syariah, yang menggantikan bunga dengan skema seperti mudharabah, musyarakah, dan murabahah. Skema ini dirancang untuk mendorong kerja sama dan partisipasi yang saling menguntungkan, memastikan distribusi manfaat yang lebih adil, serta meminimalkan kesenjangan sosial. Hasil penelitian ini menunjukkan bahwa larangan riba tidak hanya berdimensi spiritual, tetapi juga memiliki implikasi praktis yang kuat dalam menghadapi tantangan ekonomi kontemporer. Larangan riba membantu membentuk tatanan ekonomi yang lebih inklusif dan berkelanjutan, di mana umat Islam dapat berkontribusi dalam menciptakan keseimbangan ekonomi tanpa merusak nilai-nilai etika dan moral yang diajarkan oleh Islam. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1445 10.55352/ekis.v8i1.1445 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 18-30 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1445/1277 Copyright (c) 2026 Dhiya Dwi Afifah, Mawardi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1494 2025-01-01T04:59:48Z ekis:ART

Pola Fatwa Dewan Syariah Nasional terhadap Produk Lembaga Keuangan Syariah Maghfur, Arif National Sharia Council Fatwa Sharia Financial Institutions The National Sharia Council or commonly abbreviated as DSN is an institution under the auspices of the Majlis Ulama Indonesia. The existence of the DSN-MUI institution is to provide legal fatwas related to Islamic Financial Institutions in Indonesia.  The increasing number of problems that exist in Islamic Financial Institutions in Indonesia has made DSN-MUI work hard to be able to provide legal fatwas in accordance with the new products submitted by Sharia Banks. This will continue and develop in accordance with the development of the banking world in Indonesia in particular. Therefore, DSN-MUI as an institution in charge of screening and issuing legal fatwas must be able to provide legal fatwas that are truly in accordance with the understanding of the law in Indonesia. DSN-MUI as an institution that has the right to provide law on Islamic financial products still receives a lot of criticism from various circles, both academics and several fiqh law experts. Among these criticisms is the inconsistency of the DSN-MUI fatwa with the literature of the salaf book, which is currently still a reference for most Indonesia scholars. There are also those who criticize the problem of using fiqh rules. DSN-MUI only uses one rule as a legal basis and does not use other rules, even though other rules are related to these rules. Not to mention the use of verses of the Qur'an, which actually have no connection with the law of the product being fatwad. The existence of these criticisms is not to weaken DSN-MUI, but it is hoped that it can be a reinforcement for DSN-MUI, because what they have fatwa will be a reference for many people in muamalah. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1494 10.55352/ekis.v7i1.1494 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 82-97 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1494/861 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1497 2025-01-01T04:59:47Z ekis:ART

Kontribusi Politik Ekonomi Pertanian dalam Penyediaan Bahan Baku Halal di Indonesia Cahyani, Putri Tri Shaleh, Chaerul Rasyid, Fauzan Ali Agricultural Sector Halal Raw Materials Political Economy Policies The agricultural sector is a vital component of a nation's economy as it provides food supplies and serves as a source of livelihood for millions of people. In the context of Indonesia, with its predominantly Muslim population, the significance of the agricultural sector has grown alongside the increasing demand for halal raw materials. However, the implementation of agricultural political economy policies to support the provision of halal raw materials faces several challenges, including farmers' lack of understanding of halal standards, dependence on imported raw materials, and limited infrastructure and technology. This study employs a qualitative approach using library research methods to analyze the contribution of agricultural political economy policies in supporting the provision of halal raw materials, including identifying relevant challenges and solutions. The findings reveal that policies such as agricultural land protection, fertilizer subsidies, and the development of halal industrial zones have provided a robust foundation for establishing a halal agricultural ecosystem. Nonetheless, strategic measures, such as educating farmers, enhancing local production, and investing in modern technology, remain necessary to overcome the existing obstacles. This study concludes that adaptive and inclusive agricultural political economy policies can strengthen the role of the agricultural sector in sustainably supporting the availability of halal raw materials while simultaneously enhancing the competitiveness of Indonesia's halal products in global markets. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1497 10.55352/ekis.v7i1.1497 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 111-125 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1497/877 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1505 2025-01-01T04:59:47Z ekis:ART

Kesenjangan Upah dan Keadilan Sosial terhadap Sistem Pengupahan di Indonesia Indrayani, Sufi Muzan, Amrul Wage Disparity Social Justice Theory of Justice Wage disparity in Indonesia reflects a significant challenge in social justice, particularly within the wage system. This study aims to identify and analyze the factors contributing to wage inequity, including policies, corporate practices, and gender and sectoral inequalities. Using a qualitative approach, the study explores perspectives from various stakeholders, such as workers, employers, and regulators, while utilizing policy data and relevant documents for analysis. The findings reveal that structural injustices in wage distribution have widened the gap between high- and low-income workers. Factors such as differences in education, experience, and geographic location significantly contribute to this disparity. Gender-based inequality is also a major concern, with women often receiving lower wages than men despite having equivalent qualifications. In terms of policy, the study found that minimum wage regulations are often insufficient to address these inequalities. A lack of transparency in wage determination and weak regulatory enforcement exacerbate the issue. Theoretical frameworks, such as John Rawls' theory of justice, emphasize the importance of redistributing wages to benefit the most disadvantaged groups, while the efficiency wage theory suggests that higher wages can enhance worker productivity. This study recommends reforms in wage policies focused on distributive justice, increased transparency, and strengthened government regulations. These approaches are expected to create a more inclusive wage system that considers not only economic aspects but also social welfare, fostering sustainable social and economic stability in Indonesia. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1505 10.55352/ekis.v7i1.1505 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 98-110 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1505/875 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1522 2025-01-01T04:59:47Z ekis:ART

Pengaruh Inflasi, Kurs, dan Investasi Infrastruktur terhadap Pertumbuhan Ekonomi di Indonesia: Analisis Menggunakan Model VECM (1993-2023) Putra, Trischa Rahayuningsih, Eni Sri Inflation Exchange Rate Infrastructure Investment Economic Growth VECM This study examines the relationship between inflation, exchange rates, and infrastructure investment on economic growth in Indonesia using the Vector Error Correction Model (VECM) approach for the period 1993–2023. Secondary data were obtained from official institutions such as Bank Indonesia, the Central Bureau of Statistics, and the Ministry of Public Works. The analysis reveals that inflation has a significant negative impact on economic growth in the long term, while exchange rates and infrastructure investment show no significant influence. The VECM model also identifies a significant error correction mechanism, with a negative error correction coefficient of 41.49% for the economic growth variable. Impulse Response Function (IRF) and Forecast Error Variance Decomposition (FEVD) analyses indicate minimal contributions of exchange rates and infrastructure investment to the variability of economic growth. This study recommends controlling inflation through monetary policy, stabilizing exchange rates, and enhancing infrastructure investment as strategies to foster sustainable economic growth in Indonesia. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-01-01 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1522 10.55352/ekis.v7i1.1522 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 1 (2025): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 126-146 2828-6278 2655-5492 10.55352/ekis.v7i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1522/871 Copyright (c) 2025 Al-Muzdahir : Jurnal Ekonomi Syariah

oai:ojs2.ejournal.unsuda.ac.id:article/1529 2025-07-23T04:40:08Z ekis:ART

Analisis Perkembangan Sosial Ekonomi Peradapan Islam Masa Khulafaur Rasyidin Adel, Ichsanul Reihan Wahyudi, Wahyudi Andrini, Rozi Khulafaur Rasyidin Social Economy This research discusses the social and economic analysis during the Khulafaur Rasyidin period. The main problem examined is how the policies implemented by Abu Bakar, Umar, Utsman, and Ali impacted the economic development and social stability of the Muslim community. The objective of this study is to analyze and describe the effects of social and economic policies during that era on the establishment of a strong and sustainable Islamic civilization foundation. The method used is a literature study with a descriptive approach, where data is obtained from books, scientific articles, and relevant published documents. The data is systematically analyzed to map the impact of zakat policies, wealth distribution, infrastructure development, and internal conflicts that occurred. The conclusion of this research indicates that the Khulafaur Rasyidin period serves as an important foundation for the development of the Islamic socio-economic system. Although various political challenges and internal conflicts hindered economic growth during Ali's time, the policies of zakat redistribution and administrative reforms implemented by the other caliphs significantly contributed to the social and economic welfare of the Muslim community. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1529 10.55352/ekis.v7i2.1529 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 165-192 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1529/1046 Copyright (c) 2025 Ichsanul Reihan Adel, Wahyudi Wahyudi, Rozi Andrini https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1561 2025-07-23T04:40:08Z ekis:ART

Konsep Keadilan dalam Ekonomi Syariah Dewi, Kemala Jamal, H. Khairunnas Justice Islamic Economics Distributive Justice Commutative Justice Zakat Islamic Financial Institutions The concept of justice in Islamic economics as a fundamental principle underlying all economic and social interactions. This study explains the dimensions of distributive and commutative justice, as well as the application of the principle of justice through Islamic economic instruments such as zakat, infaq, and profit-sharing systems. Emphasis is placed on the role of Islamic financial institutions that implement a system without usury and transparent transactions based on profit sharing. However, the implementation of justice faces challenges in the form of the dominance of capitalism, limited public understanding, and less than optimal regulations. This study concludes that the application of justice in Islamic economics can create equitable social welfare and become the foundation for sustainable economic development. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1561 10.55352/ekis.v7i2.1561 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 193-200 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1561/1049 Copyright (c) 2025 Kemala Dewi, H. Khairunnas Jamal https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1691 2025-07-23T04:40:08Z ekis:ART

Hibah dengan Kompensasi Perspektif Fukaha Klasik dan Kontemporer Waluya, Atep Hendang Grant Buying and Selling Compensation The transfer of property ownership is currently mostly done through contracts, among the contracts used for the transfer of property ownership is the grant contract. One form of the grant (hibah) is that the giver (wāhib) requires compensation. The existence of this compensation causes differences regarding the permissibility of the grant and whether it is in the form of a grant or a sale. According to the Hanafi, Maliki, Hanbali schools and the strongest opinion in the Syafi'i school, a gift with compensation conditions is valid and its law is the law of sale. Among the contemporary jurists who believe that a gift contract with compensation is a sale and purchase are Al-Dubyān, Al-Qalīṣī, Aḥmad Sa'ād, Muḥammad al-Zuḥaylī, al-Khin, al-Bughā and al-Sharbazī. Their reason is that the contract looks at the purpose and meaning, not at the wording. According to Al-Qalīṣī, Muḥammad al-Zuḥaylī, al-Khin, al-Bughā and al-Sharbazī, that a grant with compensation conditions if the compensation is not determined and is not known then the contract is invalid and this is the most valid opinion in the Syafi'i School and the strongest in the Hanbali School. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1691 10.55352/ekis.v7i2.1691 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 201-213 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1691/1047 Copyright (c) 2025 Atep Hendang Waluya https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1740 2025-07-23T04:40:08Z ekis:ART

Kinerja Keuangan Bank Muamalat melalui Pendekatan Islamicity Performance Index Zahro, Umi Indasyah Musadad, Ahmad Mustaniroh, Mustaniroh Fajar, Fajar Pujiati , Tri Financial Performance Bank Muamalat Islamicity Performance Index Islamic Finance Profit Sharing This article evaluates the financial performance of Bank Muamalat Indonesia from 2022 to 2024 based on sharia principles using the Islamicity Performance Index (IPI) developed by Shahul Hameed. The purpose of this study is to measure the extent to which Bank Muamalat applies Islamic principles in its financial operations through six key indicators: Profit Sharing Ratio, Zakat Performance Index, Equitable Distribution Ratio, Director–Employee Welfare Ratio, Islamic Investment vs Non-Islamic Investment, and Islamic Income vs Non-Islamic Income. The study employed a qualitative descriptive method using documentation and literature review. The results indicate that the Profit Sharing Ratio has increased yearly, reflecting a strong commitment to Islamic profit-sharing principles. Conversely, the Zakat Performance Index shows a declining trend, suggesting a need for greater social responsibility. The ratio of income from halal sources remained high and stable, demonstrating compliance with Islamic financial norms. Meanwhile, the Equitable Distribution Ratio and Director–Employee Welfare Ratio fluctuated but remained within acceptable ranges. These findings indicate that, overall, Bank Muamalat's financial performance aligns with sharia compliance, although some areas require improvement. The IPI-based evaluation provides strategic insights for measuring and enhancing the sharia adherence of Islamic financial institutions. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1740 10.55352/ekis.v7i2.1740 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 214-231 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1740/1050 Copyright (c) 2025 Umi Indasyah Zahro, Ahmad Musadad, Mustaniroh Mustaniroh, Fajar Fajar, Tri Pujiati https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1777 2025-07-23T04:40:08Z ekis:ART

Pengaruh IPM dan Pengangguran terhadap Pertumbuhan Ekonomi dalam Perspektif Islam di Provinsi Bengkulu Fasmala Sari, Fina Mursalin, Supardi Putra Hasibuan, Rahmat Human Development Index Unemployment Economic Growth Islamic Economics This study aims to determine how the economic growth of Bengkulu Province is influenced by the unemployment rate and the Human Development Index (HDI) from an Islamic economic point of view. If HDI measures the quality of human resources in terms of living standards, education, and health, then unemployment shows how effective the use of labor in a field is.  The time series of data from 2012 to 2023 obtained from the Bengkulu Province Central Bureau of Statistics (BPS) is the secondary data source in this study.  The method applied is Mixed Method. Multiple linear regression is the test used to analyze, along with hypothesis testing and classical assumptions, to determine the extent to which independent factors affect the dependent variable. The results showed that HDI had a partially negative and significant impact on economic growth, but had no significant effect on the unemployment variable. Unemployment and HDI together have a major impact on the economic growth of Bengkulu Province in 2012-2023. Therefore, increasing and reducing HDI is considered an important effort to realize fair and sustainable economic growth according to sharia principles because from the point of view of Islamic economics, economic development is measured by considering material aspects as well as the balance between the needs of the world and the hereafter. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1777 10.55352/ekis.v7i2.1777 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 232-249 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1777/1052 Copyright (c) 2025 Fina Fasmala Sari, Supardi Mursalin, Rahmat Putra Hasibuan https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1781 2025-07-23T04:40:08Z ekis:ART

Pengaruh Kepemimpinan dan Kompetensi Pegawai terhadap Kinerja Pegawai Pada Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi Handayani, Rima Hermawati, Rahmi Astuti , Eni Puji Leadership Employee Competence Employee Performance The purpose of this study was to determine the effect of leadership and employee competence on employee performance at the Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Pusdatin Kemendikbudristek). The research method uses quantitative methods. The population in this study were all employees of the Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Pusdatin Kemendikbudristek) totaling 179 people. The sampling technique used the Slovin formula with a sample size of 64 people. The data analysis method in this study uses the IBM SPSS version 26 application. Includes validity test, reliability test, classical assumption test, simple linear regression test, multiple linear regression test, coefficient of determination test, t test and f test. The results of this study are Leadership (X1) has a significant effect on Employee Performance (Y) with a determination value of 79.4% and in the hypothesis test obtained a tcount value of 14.371> t table 1.999 with a significance of 0.008 <0.05. Employee Competence (X2) has a significant effect on Employee Performance (Y) with a determination value of 63.2% and in the hypothesis test obtained a tcount value of 10.320> t table 1.999 with a significance of 0.006 <0.05. Leadership (X1) and Employee Competence (X2) simultaneously have a significant effect on Employee Performance (Y) with multiple linear regression equations Y = 4.193 + 0, 630X1 + 0.253X2. With a determination value of 43.1%. Hypothesis testing obtained Fcount value 117.553> Ftable 3.15 with a significant level of 0.000 <0.05, thus Ho1 is rejected and Ha1 is accepted, meaning that simultaneously Leadership and Employee Competence have a positive and significant effect on Employee Performance of the Pusat Data dan Teknologi Informasi Kementerian Pendidikan, Kebudayaan, Riset, dan Teknologi (Pusdatin Kemendikbudristek). Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1781 10.55352/ekis.v7i2.1781 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 250-258 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1781/1053 Copyright (c) 2025 Rima Handayani, Rahmi Hermawati, Eni Puji Astuti https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/1949 2025-07-23T04:40:08Z ekis:ART

Analisis Standar Pelayanan Wakaf di Lembaga Roumah Wakaf Surabaya Meidiana, Meidiana Sarifudin, Muhammad Farid Waqf Service Standards Service Innovation Community Satisfaction This study aims to analyze the implementation of waqf service standards at the Roumah Waqf Institution Surabaya. Optimal service standards are an important element in increasing trust and community participation in waqf management. This study uses a qualitative approach with a descriptive design, through document analysis and literature review. The findings show that Roumah Waqf implements various service innovations, including a personal approach to donors, digital services, and waqf asset management policies in accordance with sharia. Factors such as transparency, and responsiveness. In service, it is proven to have a significant impact on the level of community satisfaction. This research contributes to identifying best practices that can be adopted by other waqf institutions in Indonesia, as well as offering strategic recommendations for the development of more professional service standards Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1949 10.55352/ekis.v7i2.1949 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 259-271 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/1949/1048 Copyright (c) 2025 Meidiana Meidiana, Muhammad Farid Sarifudin https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2013 2025-07-23T04:40:08Z ekis:ART

Analisis Pengaruh Upah Minimum Regional (UMR) dan Indeks Pembangunan Manusia (IPM) terhadap Tingkat Pengangguran Terbuka (TPT) di Provinsi Banten dalam Perspektif Ekonomi Islam Tahun 2015-2024 Kusuma, Rhima Putri, Rosydalina Hasimi, Diah Mukminatul Minimum Wage Human Development Open Unemployment This study analyses the effect of the Regional Minimum Wage (UMR) and Human Development Index (HDI) on the Open Unemployment Rate (TPT) from an Islamic economic perspective from 2015 to 2024 using cross-sectional data covering eight districts in Banten Province sourced from the Central Statistics Agency (BPS). This quantitative study employs the Common Effect Model. This model is deemed appropriate after passing the Chow and Hausman tests, enabling classical assumption tests, partial tests, and simultaneous tests to be conducted. The findings indicate that, partially, the UMR does not have a significant effect on the TPT. Conversely, the IPM has a significant partial effect on the TPT. Simultaneously, the UMR and IPM have a positive and significant effect on the TPT. From an Islamic economic perspective, unemployment is a social and moral issue, with an emphasis on social justice and wealth distribution. Wages are the right of workers, and improving human resource quality through the HDI is important for reducing unemployment. These results are expected to provide deeper insights into the variables studied and valuable input for formulating national economic policies aimed at reducing open unemployment in Banten Province. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2013 10.55352/ekis.v7i2.2013 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 272-285 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2013/1054 Copyright (c) 2025 Rhima Kusuma, Rosydalina Putri, Diah Mukminatul Hasimi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2025 2026-01-22T08:46:56Z ekis:ART

OPTIMALISASI AKAD DALAM PRODUK PASAR MODAL SYARIAH UNTUK MENDORONG LITERASI INVESTOR DI INDONESIA Yunilhamri, Muhammad Syauqi Andrini, Rozi Pasar Modal Syariah Akad Syariah Saham Syariah Reksadana Syariah Sukuk/Obligasi Syariah Pasar modal syariah merupakan bagian penting dalam sistem keuangan syariah yang menawarkan alternatif investasi sesuai prinsip Islam. Namun, peningkatan jumlah investor syariah di Indonesia belum diiringi dengan peningkatan literasi terhadap akad yang melandasi produk pasar modal seperti saham syariah, reksadana syariah, dan sukuk. Penelitian ini bertujuan untuk menganalisis mekanisme transaksi serta akad yang digunakan dalam ketiga instrumen tersebut serta urgensi optimalisasinya guna meningkatkan pemahaman dan kepatuhan investor terhadap prinsip syariah. Pendekatan kualitatif digunakan dengan studi literatur, regulasi, dan data sekunder dari Bursa Efek Indonesia dan Otoritas Jasa Keuangan. Hasil penelitian menunjukkan bahwa akad-akad yang digunakan dalam ketiga instrumen tersebut adalah akad Musyarakah, dan Bay’I (Jual beli) di saham syariah, Wakalah Bil Ujrah, Mudharabah, dan Bay’I di Reksadana Syariah, serta Ijarah, Mudharabah, Musyarakah, Murabahah, dan Istishna’ di Obligasi/sukuk syariah. Oleh karena itu, optimalisasi akad melalui pendekatan edukatif, penyederhanaan struktur, dan transparansi mekanisme transaksi menjadi sangat relevan. Langkah ini diyakini dapat memperkuat fondasi etis dan spiritual investasi syariah serta mendorong literasi dan kepatuhan yang berkelanjutan. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2025 10.55352/ekis.v8i1.2025 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 1-17 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2025/1276 Copyright (c) 2026 Muhammad Syauqi Yunilhamri, Rozi Andrini https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2041 2025-07-23T04:40:07Z ekis:ART

Preferensi Pelaku Usaha Mikro Kecil Menengah terhadap Alternatif Pembiayaan Syariah di Perbankan Syariah Sharoh, Siti Mayyas Nur Aini, Aprilia Faizah Kholmi, Masiyah Riba' Sharia Financing MSME Preferences This research examines the preferences of Micro, Small and Medium Enterprises (MSMEs) actors towards Sharia financing schemes offered by Islamic banking. The research uses a qualitative approach with a descriptive-analytical method based on a literature study of various relevant scientific literature, articles, books, and reports. The focus of the research is to understand the factors that influence the tendency of MSMEs to choose certain schemes, as well as their relationship with the understanding of Islamic economic principles, especially usury. Usury, which is expressly forbidden in Islam, involves unfair profits from loans that cause significant financial burdens, especially for small businesses. The high interest rates imposed by conventional financial institutions often result in increased debt, decreased productivity and even bankruptcy for MSMEs. The research findings show that MSMEs' preference for Islamic financing is influenced by the level of understanding, trust in sharia principles, ease of procedures, and risk perception. The Islamic financial system offers an alternative that complies with sharia principles and provides a more equitable and mutually beneficial financing solution.   Institut Pesantren Sunan Drajat Lamongan, Indonesia 2025-07-23 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2041 10.55352/ekis.v7i2.2041 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 7 No. 2 (2025): Juli: Al-Muzdahir : Jurnal Ekonomi Syariah; 286-294 2828-6278 2655-5492 10.55352/ekis.v7i2 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2041/1051 Copyright (c) 2025 Siti Mayyas Sharoh, Aprilia Faizah Nur Aini, Masiyah Kholmi https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2163 2026-01-22T08:46:56Z ekis:ART

PENGARUH MIKRO EKONOMI TERHADAP HARGA SAHAM PADA PT. INDUSTRI JAMU DAN FARMASI SIDO MUNCUL TBK. PERIODE 2014-2023 Astuti, Eni Puji Aziz, Muhamad Sailan Abdul Earning Per Share Price to Book Value Stock Price The purpose of this research is to determine the effect of microeconomics on stock prices at PT. Industri Jamu dan Farmasi Sido Muncul Tbk. during the period 2014 to 2023. The method used in this study is a descriptive quantitative approach using secondary data in the form of company financial reports. The samples analyzed is the financial report of PT. Industri Jamu dan Farmasi Sido Muncul Tbk. 2014 - 2023. Data analysis was performed using SPSS software version 30. The analysis techniques used include descriptive analysis tests, classical assumption tests, multiple linear regression, and hypothesis tests. The results of this study indicate that the Earnings Per Share variable has a significant partial effect on stock prices (T value 7.383 > T table 2.365 and a significance value of 0.001 <0.05), and the Price to Book Value variable also has a significant effect on stock prices (T value 23.748 > T table 2.365 and a significance value of 0.001 <0.05). Simultaneously, the variables Earnings Per Share and Price to Book Value have a significant effect on stock prices with a calculated F value of 331.779 > F table 4.737 and a significance value of 0.001 < 0.05. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2163 10.55352/ekis.v8i1.2163 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 31-43 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2163/1278 Copyright (c) 2026 Eni Puji Astuti, Muhamad Sailan Abdul Aziz https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2171 2026-01-22T08:46:56Z ekis:ART

ANALISIS RASIO LIKUIDITAS DAN RASIO PROFITABILITAS UNTUK MENILAI KINERJA KEUANGAN PT GAJAH TUNGGAL TBK PERIODE 2014-2023 Hasanah, Uswatun Octovian, Reza Liquidity, Profitability, Financial Performance This research aims to determine the financial performance of PT Gajah Tunggal Tbk for the 2014-2023 period by measuring financial ratio analysis. The method used in this research is a quantitative. Technical analysis uses liquidity ratios and profitability ratios by comparing financial reports from previous years compared to industry standards according to Kasmir and the average standards of similar companies listed on the Indonesian Stock Exchange. Research data collection was obtained from company financial reports and library studies related to this research. The population used is the financial report of PT Gajah Tunggal Tbk for the 2014-2023 period and the sample used is the balance sheet and profit and loss report from 2014-2023. The results of this research indicate that the financial performance of PT Gajah Tunggal Tbk for the 2014-2023 period in terms of liquidity ratios is compared using industry standards according to Kasmere in an Unhealthy condition, because the average value of the Current Ratio and Quick Ratio is still below the Cashmere industry standard, while the financial performance of PT Gajah Tunggal Tbk for the 2014-2023 period is compared with the average standard of similar companies, companies in an unhealthy condition because they are below the average of similar companies. Then looking at the profitability ratio compared to using industry standards according to Kasmir, it is in an unhealthy condition, because the average value of Return On Assets and Return On Equity is still below the Kasmir industry standard, while the financial performance of PT Gajah Tunggal Tbk for the 2014-2023 period is compared with the average standard of similar companies. The company is in an unhealthy condition because it is below the average of similar companies. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2171 10.55352/ekis.v8i1.2171 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 44-55 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2171/1279 Copyright (c) 2026 Uswatun Hasanah, Reza Octovian https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2194 2026-01-22T08:46:55Z ekis:ART

PENGARUH STORE ATMOSPHERE DAN BRAND IMAGE TERHADAP KEPUASAN PELANGGAN PADA LILS BEAUTY STUDIO LEBAK BULUS KOTA JAKARTA SELATAN Setiana, Ana SETIANA, ANA Keywords: Store Atmosphere; Brand Image; Customer Satisfaction The purpose of this study was to determine the effect of Store Atmosphere and Brand Image on Customer Satisfaction at Lils Beauty Studio Lebak Bulus, South Jakarta City. The method used is quantitative. The sampling technique uses the Slovin formula and obtained a sample of 89 respondents. In collecting data, researchers used a questionnaire. Data processing used the SPSS version 27 application. Data analysis used validity tests, reliability tests, classical assumption tests, regression analysis, correlation coefficient analysis, determination coefficient analysis and hypothesis testing. The results of the study showed that Store Atmosphere has a significant effect on Customer Satisfaction with a determination coefficient value of 70.9% and the hypothesis test obtained the results of t count > t table or (14.551 > 1.988). Brand Image has a significant effect on Customer Satisfaction with a determination coefficient value of 84.7% and the hypothesis test obtained the results of t count > t table or (21.933 > 1.988). Store Atmosphere and Brand Image have a significant effect simultaneously on customer satisfaction with the regression equation Y = 0.902 + 0.191X1 + 0.796X2. The coefficient of determination value is 85.4% and the hypothesis test obtained the results of F value > F table value, or (252.027 > 2.710). Keywords: Store Atmosphere; Brand Image; Customer Satisfaction Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2194 10.55352/ekis.v8i1.2194 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 56-69 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2194/1280 Copyright (c) 2026 Ana Setiana, Putri Nilam Kencana https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2304 2026-01-22T08:46:55Z ekis:ART

INTERAKSI HUKUM EKONOMI SYARIAH DAN UU PERLINDUNGAN KONSUMEN: UPAYA MITIGASI GHARAR DALAM PRAKTIK SEWA-MENYEWA DI HABIBI OUTDOOR, WAJAK-MALANG Andriani, Fitri Noviyanti, Ririn Gharar, Hukum Ekonomi Syariah, Ijarah, Perlindungan Konsumen, Sewa-Menyewa Persewaan alat outdoor merupakan salah satu bentuk usaha ekonomi kreatif yang berkembang seiring meningkatnya minat masyarakat terhadap kegiatan pendakian dan wisata alam. Namun, praktik sewa-menyewa alat outdoor yang marak justru menyimpan potensi ketidakadilan dan ketidakpastian (gharar) yang bertentangan dengan prinsip dasar muamalah dan sering kali memunculkan persoalan terkait perlindungan hak konsumen, khususnya jika akad tidak disusun secara jelas, transparan, dan sesuai prinsip hukum ekonomi syariah. Penelitian ini bertujuan untuk menganalisis pemenuhan hak penyewa pada persewaan Habibi Outdoor Wajak serta mengevaluasi kesesuaiannya dengan prinsip akad ijarah dalam hukum ekonomi syariah dan ketentuan Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen. Penelitian menggunakan metode kualitatif deskriptif dengan jenis penelitian yuridis empiris, melalui observasi, wawancara mendalam, dan kajian literatur. Hasil penelitian menunjukkan bahwa sebagian hak konsumen belum terpenuhi secara optimal, terutama pada aspek transparansi informasi, perlindungan hukum, dan edukasi penggunaan barang. Terdapat unsur gharar dalam transaksi digital-informal yang termasuk dalam kategori gharar fahisy yang membatalkan akad karena menyangkut objek pokok (keselamatan jiwa). Sementara itu, pelayanan yang jujur, adil, dan bebas diskriminasi relatif terpenuhi, dan mekanisme kompensasi telah ada meskipun belum responsif, khususnya dalam penggantian barang. Diperlukan perbaikan berupa penyusunan akad tertulis yang rinci, peningkatan transparansi, pemberian edukasi kepada konsumen, dan penguatan mekanisme perlindungan hukum agar praktik persewaan sesuai prinsip hukum ekonomi syariah, menciptakan kesepakatan yang adil, serta meningkatkan kepercayaan konsumen. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2304 10.55352/ekis.v8i1.2304 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 98-115 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2304/1284 Copyright (c) 2026 Fitri Andriani, Ririn Noviyanti https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2308 2026-01-22T08:46:55Z ekis:ART

Pengaruh Produk Terhadap Citra Perusahaan Pada Koperasi Simpan Pinjam Dan Pembiayaan Syariah Khairu Ummah (KSPPSS) Leuwiliang Novitasari, Sela Wijaya, Aden Ibadurohmah Sela, Sela Novitasari Produk Citra Perusahaan Abstrak : Penelitian Ini Bertujuan Untuk Menganalisis Dan Membuktikan “Pengaruh Produk Terhadap Citra Perusahaan Pada Koperasi Simpan Pinjam Dan Pembiayaan Syariah Khairu Ummah (KSPPS) Leuwiliang”. Metode penelitian yang digunakan dalam penelitian ini adalah deskriptif kuantitif dengan teknik penentuan sample accidental sampling terhadap 100 responden, serta metode analisis data yang digunakan adalah uji validitas, uji reliabilitas, uji asumsi klasik, uji regresi, uji koefisien determinasi, uji hipotesis, Berdasarkan hasil penelitian, maka didapatkan temuan sebagai berikut : Pengaruh Produk Terhadap Citra Perusahaan Pada Koperasi Simpan Pinjam Dan Pembiayaan Syariah Khairu Ummah (Kspps) Leuwiliang . Hal ini dapat ditunjukan oleh nilai thitung2.308 an tingkat signifikan t lebih kecil dari 0,05 ( sig t = 0,023 < 0,05). Produk terbukti berpengaruh positif dan signifikan terhadap Citra Perusahaan. Hal ini dapat di tunjukan Fhitung sebesar 6,427 dengan nilai signifikan sebesar 0,000 sedangkan untuk mencari Ftabel dengan jumlah sampel (n) = 94 jumlah variabel (k) =5 taraf sigifikan a = 0,05 (df) = n-k = 94-5 = 89 diperoleh Ftabel sebesar 3,95 sehingga Fhitung (6,427) > Ftabel (3,95) dan secara statistik diperoleh  nilai signifikan 0,000 karena nilai signifikan (0,000) < taraf signifikan 0,05. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2308 10.55352/ekis.v8i1.2308 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 70-78 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2308/1281 Copyright (c) 2026 Sela Novitasari, Aden Wijaya, Ibadurohmah https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2395 2026-01-22T08:46:55Z ekis:ART

PENGGUNAAN QRIS SEBAGAI ALAT PEMBAYARAN DALAM TRANSAKSI DIGITAL PERSPEKTIF EKONOMI SYARIAH: (Studi Pada Arban Cafe Desa Tellang Kecamatan Kamal Kabupaten Bangkalan) Rahmat Holideh, Faratul QRIS digital transactions, slamic economy ashless payments QRIS (Quick Response Code Indonesian Standard) sebagai alat pembayaran non-tunai. Penelitian ini dilatarbelakangi oleh urgensi pemahaman terhadap efektivitas dan kesesuaian penggunaan QRIS dalam transaksi digital berdasarkan prinsip ekonomi syariah. Penelitian ini bertujuan untuk menganalisis mekanisme implementasi penggunaan QRIS di Cafe Arban serta menganalisis implementasinya dari perspektif ekonomi syariah, dengan menjawab dua pertanyaan utama: bagaimana mekanisme implementasi penggunaan QRIS dalam transaksi digital dan bagaimana kesesuaiannya dengan prinsip ekonomi syariah. Desain penelitian ini menggunakan metode kualitatif deskriptif dengan pendekatan studi kasus. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi terhadap manajer, karyawan, dan pelanggan Cafe Arban di desa Tellang kecamatan Kamal kabupaten Bangkalan. Teknik triangulasi digunakan untuk menguji keabsahan data. Hasil penelitian menunjukkan bahwa penggunaan QRIS memberikan kepraktisan dan efisiensi dalam transaksi, terutama bagi pelanggan yang akrab dengan teknologi digital. Namun, tantangan masih ditemukan dalam bentuk keterbatasan akses internet, kebiasaan pelanggan yang lebih menyukai uang tunai, serta rendahnya literasi digital. Dari perspektif ekonomi syariah, QRIS dinilai sesuai selama transaksi dilakukan dengan transparansi, tanpa unsur riba, gharar, dan maisir. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2395 10.55352/ekis.v8i1.2395 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 79-97 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2395/1283 Copyright (c) 2026 Rahmat, Faratul Holideh https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2481 2026-01-22T08:46:55Z ekis:ART

PERAN INOVASI TEKNOLOGI DALAM MENJAWAB TANTANGAN PASAR MODAL SYARIAH DI ERA DIGITAL Putri, Melisa Setyono, Joko Pasar Modal Syariah Fintech Syariah Blockchain Kecerdasan Buatan Kepatuhan Syariah Pasar modal syariah di Indonesia semakin berkembang sebagai alternatif investasi yang sesuai dengan prinsip-prinsip syariah Islam. Namun, tantangan utama yang dihadapi adalah memastikan kepatuhan terhadap prinsip syariah dengan cara yang efisien dan transparan. Kemajuan teknologi digital seperti fintech syariah, blockchain, dan kecerdasan buatan memberikan solusi inovatif yang meningkatkan transparansi, efisiensi, dan akuntabilitas transaksi, serta memperkuat kepercayaan investor. Penelitian ini menggunakan metode studi pustaka untuk mengkaji peran teknologi dalam mengatasi tantangan pemenuhan unsur syariah di pasar modal Indonesia. Hasil kajian menunjukkan bahwa teknologi digital merupakan kunci untuk mendorong inklusi dan keinginan pasar modal syariah di era modern. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2481 10.55352/ekis.v8i1.2481 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 116-132 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2481/1285 Copyright (c) 2026 Melisa Putri, Joko Setyono https://creativecommons.org/licenses/by-sa/4.0

oai:ojs2.ejournal.unsuda.ac.id:article/2671 2026-01-22T08:46:55Z ekis:ART

PENGARUH DISIPLIN KERJA DAN PELATIHAN KERJA TERHADAP KINERJA KARYAWAN PADA PT MULTI PRIMA USAHATAMA SITE CIUJUNG Annisya, Siti Novitasari, Sela Arma Putra, Feby Displin Kerja Pelatihan Kerja Kinerja Karyawan PT. Multi Prima Usahatama Site Penelitian ini bertujuan untuk mengetahui pengaruh disiplin kerja dan pelatihan kerja terhadap kinerja karyawan pada PT Multi Prima Usahatama Site Ciujung baik secara parsial maupun simultan. Metode yang digunakan adalah kuantitatif. Teknik pengambilan sampel menggunakan probability sampling dan diperoleh sampel pada penelitian ini yaitu 126 responden. Analisis data menggunakan uji validitas, uji reliabilitas, uji asumsi klasik, analisis deskriptif,analisis regresi, analisis koefisien korelasi, analisis koefisien determinasi dan uji hipotesis. Hasil penelitian ini adalah disiplin kerja berpengaruh signifikan terhadap kinerja karyawan dengan persamaan regresi Y = 9,409 + 0,361X1 nilai koefisien korelasi diperoleh sebesar 0,611 artinya kedua variabel mempunyai tingkat hubunagn yang kuat. Nilai determinasi atau kontribusi pengaruh sbesar 0,374 atau sebesar 37,4%. Uji hipotesis diperoleh t hitung > t tabel atau (3,909 %>1,980%). Dengan demikian Ho ditolak dan H1 diterima artinya terdapat pengaruh signifikan disiplin kerja terhadap kinerja karyawan. Pelatihan kerja berpengaruh signifikan terhadap kinerja karyawan dengan persamaan regresi Y = 13,169 + 0,691 X2  , nilai koefisien korelasi diperoleh sebesar 0,679 artinya kedua variabel mempunyai tingkat hubunagn yang kuat. Nilai determinasi atau kontribusi pengaruh sbesar 0,461 atau 46,1%. Uji hipotesis diperoleh t hitung > t tabel atau (6,126 %>1,980%). Dengan demikian Ho ditolak dan H1 diterima artinya terdapat pengaruh signifikan pelatihan kerja terhadap kinerja karyawan. Disiplin kerja dan pelatihan kerja berpengaruh signifikan terhadap kinerja karyawan dengan persamaan regresi Y= 9,409 0,361+0,496 X2  , nilai koefisien korelasi diperoleh sebesar 0,721 artinya kedua variabel mempunyai tingkat hubunagn yang kuat. Nilai determinasi atau kontribusi pengaruh sbesar 0,520 atau sebesar 52,0% sedankan sisanya sebesar 48,0% dipengaruhi faktor lain. Uji hipotesis diperoleh f hitung > f tabel atau (66,675%>2,680%). Dengan demikian Ho ditolak dan H1 diterima. Artinya terdapat pengaruh signifikan secara simultan disiplin kerja dan pelatihan kerja terhadap kinerja karyawan. Institut Pesantren Sunan Drajat Lamongan, Indonesia 2026-01-22 info:eu-repo/semantics/article info:eu-repo/semantics/publishedVersion Peer-reviewed Article application/pdf https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2671 10.55352/ekis.v8i1.2671 Al-Muzdahir : Jurnal Ekonomi Syariah; Vol. 8 No. 1 (2026): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah; 133-143 2828-6278 2655-5492 10.55352/ekis.v8i1 eng https://ejournal.unsuda.ac.id/index.php/ekis/article/view/2671/1282 Copyright (c) 2026 Siti Annisya, Sela Novitasari, Feby Arma Putra https://creativecommons.org/licenses/by-sa/4.0