Al-Infaq: Jurnal Ekonomi Islam最新文献

{"title":"OVERVIEW THE LAW OF ZAKAT PAYMENT USES FINTECH IN ISLAMIC PERSPECTIVE","authors":"Ruslan Abdul Ghofur, A. Ichwan","doi":"10.32507/AJEI.V11I2.644","DOIUrl":"https://doi.org/10.32507/AJEI.V11I2.644","url":null,"abstract":"AbstractThe current development of technology 4.0 has made many major changes, especially in the transaction model. The presence of Financial Technology (Fintech) has transformed cash transactions into a non-cash transaction model that can be done without having to meet face to face. This gives people the convenience of making transactions. Not only in transactions of economic activity, but also non-cash payment through Fintech have been used in paying zakat. The purpose of this research is to find out how the laws of Fintech are used to pay zakat. In this study, the authors used a literature study research method, namely by searching for documents such as national and international journals, books, and websites related to research. The results of the analysis using the nine principles of Islamic law conclude that legal fintech itself is allowed as long as the transaction does not contradict sharia principles and does not contain elements of danger.  AbstrakPerkembangan teknologi 4.0 saat ini telah banyak membuat perubahan besar, terutama pada model transaksi. Hadirnya Financial Teknology (Fintech) merubah transaksi yang secara tunai ke model transaksi nontunai yang dapat dilakukan tanpa harus bertatap muka. Ini memberikan masyarakat kemudahan dalam melakukan transaksi. Tidak hanya dalam transaksi kegiatan perekonomian, namun juga pembayaran nontunai melalui Fintech telah digunakan dalam pembayaran zakat. Tujuan dari pada penelitian ini adalah untuk mengetahui bagaimana hukum penggunaan transaksi pada Fintech yang digunakan untuk membayar zakat. Dalam penelitian ini penulis menggunakan metode penelitian studi pustaka yaitu dengan mencari dokumen seperti Jurnal nasional dan internasional, buku, dan website yang berkaitan dengan penelitian. Hasil analisa menggunakan sembilan kaidah hukum Islam menyimpulkan bahwa Fintech hukum itu sendiri perbolehkan selama transaksi tidak bertentangan dengan prinsip syariah dan tidak mengandung unsur bahaya.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115786868","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}

{"title":"STRATEGI IMPLEMENTASI PENGELOLAAN CASH WAQF LINKED SUKUK DALAM MENDUKUNG PEMBANGUNAN EKONOMI UMAT : PENDEKATAN ANALYTIC NETWORK PROCESS (ANP)","authors":"Magfirah Maulidia Putri, Hendri Tanjung, H. Hakiem","doi":"10.32507/AJEI.V11I2.836","DOIUrl":"https://doi.org/10.32507/AJEI.V11I2.836","url":null,"abstract":"Cash Waqf Linked Sukuk is a new creative financing in productive waqf program. The presence of CWLS is the result of the initiation of the Productive Waqf Forum to support the development of the potential for cash waqf in Indonesia that has not been maximized. BI as a mediator between BWI and the Ministry of Finance is collaborating to combine cash waqf and sukuk which will result in risk-free investment. Indonesia as the largest Muslim majority population in the world has a high interest in world investment, that Indonesia is one of the fastest growing countries in the issuance of sukuk. This shows a huge untapped potential. Especially based on data published in the 2018 CAF World Giving Index, Indonesia is ranked first in terms of generosity. This data reinforces that social finance and Islamic public finance can be improved to help others. To get out of the world ranking as the 92nd happiest country, its population must be supported by increasing the economic development of the Ummah. CWLS is the right solution, but since the launch of this instrument, the government has not been able to implement the management of CWLS so that the benefits have not been felt by the community. Then what makes this sharia public instrument not collected optimally. If you look at the potential that exists from various perspectives both in Islamic finance, Islamic social finance, the majority of religions and human behavior, this is not yet in harmony with world investment and investment in the hereafter. Therefore, the author chose the Analytic Network Process (ANP) with the problem-solution method, to identify problems, solutions, and strategies according to the perspective of experts, practitioners in maximizing funds in order to create the implementation of CWLS management.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134071750","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}

{"title":"ANALISIS PENGENTASAN KEMISKINAN DI KOTA PALEMBANG","authors":"Yesi Triani, Maya Panorama, Rinol Sumantri","doi":"10.32507/AJEI.V11I2.635","DOIUrl":"https://doi.org/10.32507/AJEI.V11I2.635","url":null,"abstract":"Penelitian ini untuk mengetahui pengentasan kemiskinan di Kota Palembang, Data yang digunakan adalah data runutan waktu pada tahun 2018-2019. Kemiskinan adalah keadaan dimana terjadi ketidakmampuan untuk memenuhi kebutuhan dasar seperti makanan, pakaian, tempat berlindung, pendidikan, dan kesehatan. Jenis data yang digunakan adalah data sekunder dan data primer. Sumber data sekunder berasal dari beberapa instansi yang berwenang dan berkaitan dengan program pengentasan kemiskinan seperti Dinas Sosial, Badan Pusat Statistik dan sumber-sumber data sekunder lainnya yang berkaitan. Sedangkan data primer langsung melalui wawancara secara mendalam (depth interview), serta stakeholder di wilayah penelitian yang telah ditetapkan. Perubahan struktur sebagai langkah operasional dan manusia sebagai sasaran, maka strategi penanggulangan kemiskinan yang palingtepat adalah pemberdayaan masyarakat. Pengentasan kemiskinan berbasis pemberdayaan masyarakat ini berfokus pada dua lingkup utama, yaitu: ruang lingkup wilayah dan ruang lingkup materi. Ruang lingkup wilayah adalah pemerintah Kota Palembang dan instansi pendukung lainnya di lingkungan pemerintah yang berkaitan dengan kajian ini, serta wilayah lain yang meliputi berbagai daerah yang menjadi kantong kemiskinan di berbagai daerah di Kota Palembang. Ruang lingkup materi, meliputi kajian empirik berupa analisis ekonomi makro dan analisis pengentasan kemiskinan, serta kajian teori tentang pemberdayaan masyarakat.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"90 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133925507","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}

{"title":"TRANSPARANSI DAN AKUNTABILITAS PENGELOLAAN ZAKAT DI BAITUL MAL ACEH: ANALISIS PERSEPSI MUZAKKI","authors":"Mahda Yusra, M. Riyaldi","doi":"10.32507/AJEI.V11I2.604","DOIUrl":"https://doi.org/10.32507/AJEI.V11I2.604","url":null,"abstract":"AbstractTransparency and accountability are very important in the management of zakat. This study describes the perception of muzakki to determine the level of transparency and accountability of Baitul Mal Aceh in managing zakat. Data collection was carried out using a questionnaire instrument which was distributed to 100 muzakki. The results of the descriptive analysis show that the transparency and accountability of zakat management are categorized as good. This means that muzakki assesses that the management of zakat in Baitul Mal Aceh has implemented transparency and accountability properly. The level of transparency of the Aceh Baitul Mal is considered good due to efforts to convey information about zakat management through the mass media. Meanwhile, the level of accountability is good due to the perception of muzakki who assess the zakat payment system in Baitul Mal Aceh as easy to implement and an accurate zakat management policy. Baitul Mal Aceh should provide a menu of financial report information with easy navigation for muzakki to find access. Abstrak Transparansi dan akuntabilitas sangat penting diterapkan dalam tata kelola zakat. Penelitian ini mendeskripsikan persepsi muzakki untuk mengetahui tingkat transparansi dan akuntabilitas Baitul Mal Aceh dalam mengelola zakat. Pengumpulan data dilakukan dengan menggunakan instrumen kuesioner yang dibagikan kepada 100 muzakki. Hasil analisis deskriptif menunjukkan bahwa transparansi dan akuntabilitas pengelolaan zakat dikategorikan sudah baik. Artinya muzakki menilai bahwa pengelolaan zakat di Baitul Mal Aceh telah mengimplementasikan transparansi dan akuntabilitas dengan baik. Tingat transparansi Baitul Mal Aceh dinilai baik disebabkan upaya penyampaian informasi pengelolaan zakat melalui media massa. Sedangkan tingkat akuntabilitas baik disebabkan persepsi muzakki yang menilai sistem pembayaran zakat di Baitul Mal Aceh mudah dilakukan dan kebijakan pengelolaan zakat yang sudah akurat. Baitul Mal Aceh sebaiknya menyediakan menu informasi laporan keuangan dengan navigasi yang mudah bagi muzakki untuk menemukan aksesnya.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"68 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117209954","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}

{"title":"PENGARUH PERSEPSI DAN RELIGIUSITAS NASABAH TERHADAP KEPUTUSAN MEMILIH PRODUK GADAI EMAS DI PT BANK SYARIAH MANDIRI KCP MEDAN ISKANDAR MUDA","authors":"Tiara Sulaikha Rohimi Harahap","doi":"10.32507/AJEI.V11I1.493","DOIUrl":"https://doi.org/10.32507/AJEI.V11I1.493","url":null,"abstract":"This research was conducted to determine the impact of customer's perception and religiosity on the decision making to choose a gold pawning product at PT Bank Syariah Mandiri Medan KCP Iskandar Muda and to find out the most dominant variable which effect the decision of choosing a gold pawning product at PT Bank Syariah Medan KCP Medan Iskandar Muda. The dependent variable in this study was the decision to choose while the independent variable consisted of perception and speech.  The sample used in this study was 50 people. Data analysis method that used in this research is the multiple linear regression analysis, classic asumption test, T test, F test, coefficient of determination test. The results showed that perception and religiosity partially significantly influence customer decisions, also, perception and religiosity simultaneously have a significant effect on customer decisions. The most dominant variable which influence the decision to choose a product is perception with an R Square value of 29.8%, so that if customer perception continues to be improved it will affect the increase in the number of gold mortgage financing customers at Bank Syariah Mandiri Medan KCP Iskandar Muda.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"50 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117282701","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}

{"title":"PENGARUH KUALITAS PELAYANAN, HARGA DAN FASILITAS YANG DIBERIKAN KENARI WATERPARK BONTANG TERHADAP TINGKAT KEPUASAN PELANGGAN","authors":"A. Irfan","doi":"10.32507/AJEI.V9I2.451","DOIUrl":"https://doi.org/10.32507/AJEI.V9I2.451","url":null,"abstract":"Tujuan penelitian ini adalah untuk mengetahui pengaruh 3 variabel independen tersebut terhadap kepuasan pelanggan. Penelitian ini dilakukan dengan kuesioner yang menggunakan metode analisis linear berganda terhadap 100 responden yaitu pengunjung kenari waterpark. Analisis terhadap data yang diperoleh berupa analisis kuantitatif dan kualitatif. Analisis kuantitatif meliputi uji validitas dan reliabilitas, uji asumsi klasik, analisis regresi berganda, uji f, uji t serta analisis koefisien regresi (R2). Analisis kualitatif merupakan interpretasi data yang diperoleh dalam penelitian serta hasil pengolahan data yang sudah dilaksanakan dengan memberi keterangan-keterangan dan penjelasan-penjelasan. Hasil dari penelitian ini adalah secara parsial variabel kualitas pelayanan dan fasilitas berpengaruh singnifikan terhadap tingkat kepuasan pelanggan namun variabel harga tidak berpengaruh signifikan , secara simultan variabel kualitas pelayanan, harga dan fasilitas memiliki pengaruh yang signifikan terhadap kepuasan pelanggan kenari water park Bontang dengan nilai probabilitas signifikansi sebesar 0,000. ","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"85 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131488327","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}

{"title":"ANALISIS PENGARUH CITRA PRODUK TERHADAP KEPUTUSAN PEMBELIAN SABUN CUCI PAKAIAN RINSO PADA MAHASISWA/I PERGURUAN TINGGI DI BOGOR","authors":"Mohammad Argya","doi":"10.32507/AJEI.V9I2.455","DOIUrl":"https://doi.org/10.32507/AJEI.V9I2.455","url":null,"abstract":"The purpose of this study is to know how big the influence of Brand Image Detergent Rinso of purchase decision on students of STEI Tazkia, Pakuan University and Djuanda University in Bogor. The method used in this study is multiple regression methods to see the influence of the Brand Image of Detergent Rinso purchase decisions and use the correlation coefficient to see how much the influence brand image of Detergent Rinso purchase decision on students of STEI Tazkia, Pakuan University and Djuanda in Bogor. Based on the analysis, known that the influence of the Brand Image of Detergent Rinso purchase decisions classified as strong enough seen from the values of r = 0,642. In addition, based on the calculated correlation coefficient demonstrate the value of rsquare = 0,412, shows that for 41,2% purchasing of Detergent Rinso are influenced by a Brand Image while the remaining 58,8% influenced by other factors is not examined.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"49 5","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120820243","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}

{"title":"PENGARUH ETIKA PEMASARAN ISLAM TERHADAP KEPUASAN NASABAH BANK SYARIAH","authors":"R. Sari, A. Kosim, Suyud Arif","doi":"10.32507/AJEI.V9I2.452","DOIUrl":"https://doi.org/10.32507/AJEI.V9I2.452","url":null,"abstract":"Penelitian ini membahas tentang bagaimana pengaruh etika pemasaran islam terhadap kepuasan nasabah bank Syariah. Jenis penelitian ini adalah kuantitatif, dengan metode pengambilan random sampling pada seluruh nasabah BPRS Ammanah Ummah Leuwiliang. Analisis pada penelitian ini adalah regresi linear dengan alat bantu. Adapun hasil pada penelitian ini dengan nilai p value (0,000) < α (0,05) juga membuktikan bahwa ada hubungan yang kuat antara kedua variabel tersebut. Selain itu jika dilihat dari koefisien determinasi, sebesar 57,4% kepuasan nasabah dipengaruhi oleh etika pemasaran Islam sedangkan sisanya 42,6% dipengaruhi oleh variabel lain yang tidak diteliti.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132358478","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}

{"title":"ANALISIS PENGARUH KOMITMEN AKAD TERHADAP PENGEMBALIAN PEMBIAYAAN PADA BANK SYARIAH (Studi Kasus Bank Syariah di Kota Bogor)","authors":"Martha Kirana","doi":"10.32507/AJEI.V9I2.453","DOIUrl":"https://doi.org/10.32507/AJEI.V9I2.453","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi tingkat kepatuhan nasabah pembiayaan (komitmen) terhadap akad pembiayaan di bank syariah kota Bogor, dan bagaimana pengaruh penerapan komitmen akad terhadap pengembalian pembiayaan di bank syariah kota Bogor. Data yang digunakan addalah data primer dan sekunder, instrumen yang digunakan adalah angket dengan pengukuran skala likert. Metode pada penelitian ini menggunakan analisis regresi linear sederhana dengan alat batu SPSS (Statistical Package for the Social Sciences). Hasil penelitian ini adalah H0 ditolak dan H1 diterima. karena konstan pada penelitian ini adalah sebesar -0.752 yang berarti bahwa pengembalian pembiayaan (Y) memiliki angka -0.752 apabila nilai X (komitmen akad) adalah sama dengan 0. Koefisien regresi X (komitmen akad) menunjukkan angka 0,939 yang berarti bahwa setiap kenaikan 1 persen komitmen akad maka akan meningkatkan pengembalian pembiayaan sebesar 0.939 persen dengan tingkat signifikansi sebesar 15.204 (t hitung) > 2.052 (t tabel) ang berarti bahwa terdapat pengaruh positif dan signifikan komitmen akad terhadap pengembalian pembiayaan.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133077323","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}

{"title":"ANALYSIS OF MUZAKKI MOTIVATION DETERMINANT FACTORS IN PAYING ZAKAT TO ZAKAT INSTITUTION (Study Case: Bogor City Amil Zakat Agency)","authors":"Wulandari Wulandari, H. Tanjung","doi":"10.32507/AJEI.V1I9.102","DOIUrl":"https://doi.org/10.32507/AJEI.V1I9.102","url":null,"abstract":"Abstract This study aims to determine empirically the influence of knowledge about the zakat of Muzakki, income and credibility of Amil Zakat Institution against Muzakki decision to pay zakat to the Amil Zakat Institution of Bogor City. The sample used in this study was 100. 100 questionnaires were distributed to the respondents, selected by convenience sampling technique. The collected data has been analyzed using binary logistic multiple regression. The results of this study indicate that credibility has a positive and significant effect on muzakki's decision to pay zakat in Amil Zakat Institution, while the income and knowledge of zakat did not significantly influence the decision of muzakki. The results of this study imply that in order to make Amil Zakat Institution as a place of choice for muzakki to pay their zakat, the agency should be able to further improve the credibility of the institution.","PeriodicalId":176312,"journal":{"name":"Al-Infaq: Jurnal Ekonomi Islam","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-12-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121363490","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}