El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam最新文献_第5页

Efektivitas Program Baznas Microfinance di Desa Bojong Rangkas Ciampea Bogor 在Bojong rsafe Ciampea Bogor村的大型小型金融计划的有效性

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-10-31 DOI: 10.47467/elmal.v4i2.612

Sigit Febriansyah, Ikhwan Hamdani , Gunawan Ikhtiono

{"title":"Efektivitas Program Baznas Microfinance di Desa Bojong Rangkas Ciampea Bogor","authors":"Sigit Febriansyah, Ikhwan Hamdani , Gunawan Ikhtiono","doi":"10.47467/elmal.v4i2.612","DOIUrl":"https://doi.org/10.47467/elmal.v4i2.612","url":null,"abstract":"Micro, small and medium enterprises (MSMEs) are proven to have played a role in economic development and growth, not only in developing countries but in developed countries as well. MSMEs are very important because this business sector absorbs more workers than large businesses. However, there is one problem faced by MSMEs in all countries, namely limited capital, which is mainly due to small or no access to banks or other financial institutions. In this case, zakat distributed to mustahiq will act as a supporter of their economic improvement if allocated to productive activities. The National Amil Zakat Agency (BAZNAS) is a zakat management institution established by the government that distributes zakat funds productively through a program, namely Baznas Microfinance. This study aims to determine how effective the Baznas Microfinance Desa program is in disbursing funds, to find out how effective the Baznas Microfinance Desa program is to improve MSME skills, and to find out what obstacles are faced by BMD Bojong Rangkas. This research is a qualitative research with a qualitative descriptive approach. Data collection techniques using interviews and documentation. Interviews were conducted with Baznas Microfinance in Bojong Rangkas Village. The results of the study show that Baznas Microfinance Desa provides loans only to zakat mustahik whose income is less than the minimum wage and the allocation is only for business. The maximum limit for applying for a loan is Rp. 2.500.000;- After getting a loan, there will also be a mentoring process carried out by BMD such as financial management training, product photos, marketing training, business development. Constraints faced by BMD Bojong Rangkas are the incompatibility of partners with the initial realization, delays in paying installments, and also many mustahik who do not know that in this program there is a business assistance process.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"32 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-10-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130781463","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Pengaruh Brand Image dan Kualitas Pelayanan Bank Syariah terhadap Keputusan Mahasiswa Menabung pada Pengikut Autobase @Collegemenfess 伊斯兰银行形象和服务质量对学生存钱的决定的影响，对象是Autobase @Collegemenfess

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-10-25 DOI: 10.47467/elmal.v4i2.607

Husnul Maulida, M. Nawawi, Hilman Hakim

引用次数: 1

Implementasi Pendistribusian Zakat Produktif untuk Usaha Mikro Mustahik di Era Pandemi Covid-19 在Covid-19大流行期间，天课为不可能的微企业进行了富有成效的分配

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-26 DOI: 10.47467/elmal.v4i2.517

Muhammad Danuludin, Ibdalsyah Ibdalsyah, H. Hakiem

{"title":"Implementasi Pendistribusian Zakat Produktif untuk Usaha Mikro Mustahik di Era Pandemi Covid-19","authors":"Muhammad Danuludin, Ibdalsyah Ibdalsyah, H. Hakiem","doi":"10.47467/elmal.v4i2.517","DOIUrl":"https://doi.org/10.47467/elmal.v4i2.517","url":null,"abstract":" \u0000Poverty and unemployment are problems that Indonesia is still facing today. The COVID-19 pandemic has had a significant impact on the national economy, including the MSME sector. Productive zakat distributed to MSMEs has the potential to help develop and form MSMEs mustahik in the era of the covid 19 pandemic. The implementation of zakat is important to see the potential of zakat in an effort to help mustahik to be more empowered to face the challenges of the times. This study aims to find out how to implement the distribution of productive zakat for mustahiq micro-enterprises during the pandemic, and to find out the obstacles faced by the Bogor City Baznas when distributing productive zakat during the pandemic. This research is a qualitative research with a qualitative descriptive approach. The data collection technique used is the interview and documentation method. Interviews were conducted with the Baznas of Bogor City as the authorized party in the distribution of zakat. The results showed that the Bogor City Baznas distributed productive zakat in the form of business capital. The productive zakat is distributed to individual and group mustahik. The Bogor Berkah program is included in the productive zakat based on taklim majlis. The maximum limit for assistance provided is Rp. 2,000,000. Recipients of productive zakat are also required to give infaq every day from the results of their efforts. Constraints faced by the Bogor City Baznas at the beginning of the pandemic were the reduced number of muzakki who distributed their zakat, limited space for monitoring, and efforts to develop MSMEs that were difficult to carry out. ","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"115 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124580917","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0

Pengaruh Islamic Branding, Celebrity Endorser, dan Pengetahuan Produk terhadap Keputusan Pembelian Konsumen Kosmetik Wardah 伊斯兰品牌、名人内啡肽和产品知识对消费者购买Wardah的决定的影响

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-26 DOI: 10.47467/elmal.v4i2.539

Nurul Luthfiani Pamungkas, Ibdalsyah Ibdalsyah, Retno Triwoelandari

{"title":"Pengaruh Islamic Branding, Celebrity Endorser, dan Pengetahuan Produk terhadap Keputusan Pembelian Konsumen Kosmetik Wardah","authors":"Nurul Luthfiani Pamungkas, Ibdalsyah Ibdalsyah, Retno Triwoelandari","doi":"10.47467/elmal.v4i2.539","DOIUrl":"https://doi.org/10.47467/elmal.v4i2.539","url":null,"abstract":"The increasingly fierce business competition causes producers to have a marketing strategy that can attract consumer buying interest. Cosmetic products are considered to have great potential, especially for halal cosmetic products. The concept of Islamic branding and the concept of marketing using celebrity endorsers is very attractive to consumers' buying interest. There is still a lack of consumer understanding about halal standards for a product, causing producers to have to provide clear information for the products to be sold. This study aims to determine the effect of Islamic branding, celebrity endorser and product knowledge on consumer purchasing decisions for Wardah cosmetics. The research method used is a quantitative method. The population in this study were students of the Faculty of Islamic Religion, Ibn Khaldun University, Bogor with a total sample of 88 respondents. The data analysis method used is SEM-PLS. The results showed that; 1) The Islamic branding variable has a positive but not significant effect on purchasing decisions, 2) The celebrity endorser variable and product knowledge have a positive and significant effect on purchasing decisions. Even though Wardah products already have a halal certificate and use muslimah advertising stars, they are still not enough to influence purchasing decisions. Wardah can improve marketing by adding more Islamic themes.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"90 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133035941","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 3

Analisis Implementasi Akad Hybrid Contract Murabahah bil Wakalah di Bank BJB Syariah Kc Bogor Jabar

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-12 DOI: 10.47467/elmal.v4i2.532

F. Fauziah, A. Kosim, Santi Lisnawati

{"title":"Analisis Implementasi Akad Hybrid Contract Murabahah bil Wakalah di Bank BJB Syariah Kc Bogor Jabar","authors":"F. Fauziah, A. Kosim, Santi Lisnawati","doi":"10.47467/elmal.v4i2.532","DOIUrl":"https://doi.org/10.47467/elmal.v4i2.532","url":null,"abstract":"Financing is one of the important activities in the banking world because it is the main source of income and is one of the supporting businesses of the bank. Murabahah is a sale and purchase contract in sharia economy where the selling price of the goods is in the form of the cost of goods plus profits and has been agreed upon by both parties. Wakalah is giving or delegating the power of a job to another person as long as it does not violate the syara' law. Hyrid contract is two contracts that are united in one transaction (multi contract). One of the hybrid contracts in Islamic banks is the murabahah bil wakalah contract. Murabahah bil wakalah contract is a combination of two contracts in which the wakalah contract is used before the murabahah sale and purchase contract. The purpose of this study was to analyze how the implementation of the hybrid contract agreement on murabahah bil wakalah at Bank BJB Syariah Bogor Branch. This research uses descriptive qualitative method. The data used comes from primary data in the form of documentation and the results of interviews with staff account officers of Bank BJB Syariah Bogor Branch. The results of this study indicate that in its implementation Bank BJB Syariah Bogor Branch has complied with the DSN-MUI fatwa No.4/DSN-MUI/IV/2000 regarding murabahah. The advantages of murabahah bil wakalah are that it makes it easier for banks to process financing, is more flexible in modern financing needs and is less risky. While the weakness of the murabahah bil wakalah contract is that there is often misuse of funds by customers, such as the purchase of goods that are not in accordance with the RAB that has been agreed upon by the bank and the customer. With this result, Bank BJB Syariah Bogor Branch must continue to be consistent in managing sharia banking products so that the sharia economy can continue to grow and develop.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"57 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126038768","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

Efektivitas Strategi Fundraising Sedekah Berbasis Sedekah Online di ACT Cabang Bogor 在《茂物支部法》中，一项基于慈善的在线慈善计划的成效策略

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-12 DOI: 10.47467/elmal.v4i2.534

Muhammad Ihsan Ar-Rofie, A. Kosim, Sutisna Sutisna

{"title":"Efektivitas Strategi Fundraising Sedekah Berbasis Sedekah Online di ACT Cabang Bogor","authors":"Muhammad Ihsan Ar-Rofie, A. Kosim, Sutisna Sutisna","doi":"10.47467/elmal.v4i2.534","DOIUrl":"https://doi.org/10.47467/elmal.v4i2.534","url":null,"abstract":" \u0000Alms is a gift given by someone in the form of property or non-treasury with the aim of expecting the pleasure of Allah SWT. Indonesia is a country with a relatively high percentage of poor people. As a country with a majority Muslim population, the potential for alms is very large. Alms in large amounts can be an alternative instrument in reducing poverty in Indonesia. One of the humanitarian agencies that collects alms funds is Aksi Cepat Tanggap (ACT) Bogor branch. The development of technology and information has made it easier for ACT to develop an online-based alms fundraising strategy. The purpose of this study was to determine the effectiveness of online alms fundraising at ACT Bogor branch. The research method used is qualitative descriptive with data collection techniques of observation, interviews and documentation. The results showed that in 2020 ACT Bogor branch was not effective in terms of effectiveness ratio because it was only able to raise funds of Rp. 4,448,517,958 with the target set by the institution of IDR 7,000,000,000,000. This is because the target set by the institution is very high, even though the collection of funds is quite large. Progressive results can be said to be effective because online-based alms fundraising is very optimal during a pandemic when compared to direct fundraising because it is constrained by restrictions on community activities by the government during the pandemic. The online alms fundraising mechanism is considered easier and very supportive during the COVID-19 pandemic. With the online-based alms fundraising, it is hoped that ACT branches will be able to increase the collection of alms funds from donors and in the future, ACT Bogor Branch will have its own application specifically made to collect alms-based alms online so that the obstacles that often occur can be minimized.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"97 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123170799","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

Pengaruh Religiusitas, Gaya Hidup, dan Harga terhadap Keputusan Pembelian Produk Busana Muslim di Marketplace 宗教信仰、生活方式和价格对穆斯林服装在市场购买决定的影响

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-12 DOI: 10.47467/elmal.v4i2.535

Aldeana Meliani, A. Kosim, H. Hakiem

{"title":"Pengaruh Religiusitas, Gaya Hidup, dan Harga terhadap Keputusan Pembelian Produk Busana Muslim di Marketplace","authors":"Aldeana Meliani, A. Kosim, H. Hakiem","doi":"10.47467/elmal.v4i2.535","DOIUrl":"https://doi.org/10.47467/elmal.v4i2.535","url":null,"abstract":"This study aims to find out how much religiosity, lifestyle, and price influence on the decision to purchase Muslim fashion products on Marketplace. Research using quantitative method by disseminating questionnaires through google-form to Muslim respondents who have purchased Muslim fashion products on Marketplace (Shopee) and domiciled in Jakarta and Bogor. Sampling techniques using purposive sampling method which is part of non probability sampling technique. The number of samples as many as 100 respondents. The results of this study showed that the religious variables did not have a significant effect, but lifestyle variables and prices had a significant effect. Other findings showed that variable Y could be explained by 67.9% by variable X. The remaining 33.1% was explained by other variables beyond the researchers' discussion.This study aims to find out how much religiosity, lifestyle, and price influence on the decision to purchase Muslim fashion products on Marketplace. Research using quantitative method by disseminating questionnaires through google-form to Muslim respondents who have purchased Muslim fashion products on Marketplace (Shopee) and domiciled in Jakarta and Bogor. Sampling techniques using purposive sampling method which is part of non probability sampling technique. The number of samples as many as 100 respondents. The results of this study showed that the religious variables did not have a significant effect, but lifestyle variables and prices had a significant effect. Other findings showed that variable Y could be explained by 67.9% by variable X. The remaining 33.1% was explained by other variables beyond the researchers' discussion.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-08-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129994942","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 2

Efektivitas Penyaluran Dana Zakat terhadap Tingkat Kesejahteraan Asnaf Gharimin di Masa Pandemi Covid-19 Zakat资金在Covid-19大流行期间对Asnaf Gharimin福利水平的影响

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-10 DOI: 10.47467/elmal.v4i2.528

Ariyanti Ariyanti, A. Kosim, Yono Yono

引用次数: 0

Analisis Manajemen Pengelolaan dan Pengembangan Wakaf Produktif di Pondok Pesantren Darussalam Ciomas Bogor 对Darussalam Ciomas Bogor酒店的管理和开发开发进行了分析

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-08-10 DOI: 10.47467/elmal.v4i2.530

Maulana Irvan Azhari, Hendri Tanjung, Yono Yono

引用次数: 0

Analisis Implementasi Akad Rahn (Gadai) di Kantor Cabang Pegadaian Syariah Bogor Baru

El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Pub Date : 2021-05-05 DOI: 10.47467/elmal.v4i1.524

Hajar Hanifa, Ikhwan Hamdani, Yono Yono

{"title":"Analisis Implementasi Akad Rahn (Gadai) di Kantor Cabang Pegadaian Syariah Bogor Baru","authors":"Hajar Hanifa, Ikhwan Hamdani, Yono Yono","doi":"10.47467/elmal.v4i1.524","DOIUrl":"https://doi.org/10.47467/elmal.v4i1.524","url":null,"abstract":" \u0000Pegadaian Syariah is one of the Islamic financial institutions in Indonesia that distributes funds in the form of money loans with collateral in the form of valuable goods to the lower middle class community, which aims to make it easier to provide loans under Sharia law and eradicate moneylenders who have run rampant among the public without us realizing it. In the implementation of the contract Rahn that occurs at the Sharia pawnshop, it must be in accordance with the fatwa of the National Sharia Board, but in terms of the implementation of each fatwa verse that has been determined, sometimes it is still different in practice and unclear so that a question arises or even assumes that Sharia Pawnshops and Conventional Pawnshops are the implementation is the same, there is no difference. This study aims to determine the implementation of the Sharia Rahn (pawning) contract at the New Bogor Syariah Pawnshop Branch Office and to determine the suitability of the implementation of the Syariah Rahn (pawning) contract at the New Bogor Syariah Pawnshop Branch Office with the DSN MUI Fatwa. This study uses descriptive qualitative methods, the data used are primary data and secondary data, data collection techniques using observation, interview and documentation techniques. The results of this study indicate that the implementation of the Rahn contract at the New Bogor Syariah Pegadaian Branch Office has been implemented in accordance with existing Sharia provisions, such as fulfilling the pillars and requirements of Sharia Rahn (pawning). The implementation of the Rahn contract at the New Bogor Syariah Pawnshop Branch is in accordance with the MUI DSN Fatwas such as the MUI DSN Fatwa No. 25/DSN-MUI/III/2002 and DSN MUI Fatwa No.26/DSN-MUI/III/2002.I","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"27 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121488390","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}

引用次数: 0