Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah最新文献

{"title":"Biografi Penulis & Reviewers Al-Kharaj 2","authors":"Dedi Junaedi","doi":"10.47467/alkharaj.v1i2.58","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i2.58","url":null,"abstract":"     Al-Kharaj  Volume I Nomor 2, September 2019, memuat enam paper dari sepuluh penulis. Mereka adallah Dedi Junaedi, Faisal, Rio Kartika Supriyatna, Evinovita, Yanti Hasbian Setiawati, Efrita Norman, Yudi Permana, Moh Romli, Sholikul Hadi, dan Bakti Toni Endaryono.  Siapa saja mereka? Berikut adalah biografi singkatnya (101-107) \u0000      Sementara itu, empat pakar bersedia menjadi Reviewers (Mitra Bestari) dari jurnal Al-Kharaj.  Mereka Prof Dr Nanat Fatah Natsir MS, Dr  Ade Sofyan Mulazid, Dr Lukman M Baga, dan Dr Nurul Huda. Siapakah sebenarnya mereka? Berikut ini adalah profil singkatnya.(108-111)","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"2 7","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120821247","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 STABILITAS MONETER TERHADAP PEREKONOMIAN NASIONAL","authors":"Rio Kartika Supriyatna, Dedi Junaedi, Evi Novita","doi":"10.47467/alkharaj.v1i2.57","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i2.57","url":null,"abstract":"ABSTRACTObjectives of this research is to analyze: Does monetary stability affect Indonesia's GDP?; Does the difference ingovernance regimes affect the governance of monetary stability in supporting the achievement of Indonesia's GDP?; Doesmonetary stability affect Indonesia's per capita income (PCI)?; Does the difference in government regimes affect themanagement of monetary stability in supporting the achievement of Indonesia's per capita income (PCI)?.The research method uses descriptive-quantitative analysis with saturated sampling techniques and secondary datafrom Bank Indonesia, the National Development Planning Agency (Bappenas), the Central Statistics Agency (BPS), the WorldBank, and other reference sources. The data is in the form of time series data from the period 1990-2019. The dependentvariable is the value of GDP and GDP per capita (ICP). While the independent variable: the exchange rate, the money supply,the inflation rate, direct investment, financing, the state budget, the amount of debt (US $), the number of exports, the numberof imports, and the dummy variable period of the reform era government with the era of the New Order Government(Soeharto) as comparison or reference. The processed data were analyzed in quantitative descriptive with multipleregression models with dummy variables.The result is that some indicators of monetary stability (money supply, exchange rate, BI rate, investment, imports, andthe state budget) have a significant effect on the economy (GDP). While inflation, financing and foreign debt did notsignificantly affect GDP achievement. The Reformation government regimes (BJ Habibie, Abdurrahman Wahid, MegawatiSukarnoputeri, Soesilo Bambang Yudhoyono, and Joko Widodo) are different and better than the New Order (Soeharto)government in managing stability towards achieving GDP. The econometrics model is GDP$ = 178,542 + 0.0999 * M1M2 -0.0186 * EXCHANGE $ + 9.5872 * BI_RATE + 1.1935 * INVEST $ - 0.000225 * IMPORT + 0.181 * APBN + 182.488 * REZIM1 +171.038 * REZIM2 + 199.86 * REZIM3 + REVIMIM3 + 214.599 * REZIM5. Some indicators of monetary stability (money supply,exchange rate, BI rate, investment, import and APBN) also have a significant effect on GDP per capita. While inflation,financing and foreign debt did not significantly affect the achievement of GDP per capita. The Reform era government regime(BJ Habibie, Abdurrahman Wahid, Megawati Sukarnoputeri, Soesilo Bambang Yudhoyono, and Joko Widodo) differed andmore better than the New Order era administration (Soeharto) in governance stability. to the achievement of GDP per capita.The econometric model: PCIUS$ = 5.7594 + 0.0032 * M1M2 - 0.0006 * EXCHANGE$ + 0.3092 * BI_RATE + 0.0385 * INVEST$ -0.0000072 * IMPORT + 0.0058 * APBN + 5.8867 * REZIM1 + 5.5173 * REZIM2 + 6.4471 * REZIM3 + 6.ZZ * REZIM5.JEL CLASSIFICATION: E52, E58, E63Keywords: economy, financial, GDP, monetary, PCI, stability","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114704582","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 EKONOMI SYARIAH TERHADAP IMPLEMENTASI SISTEM KEUANGAN DI PT PESAT JAYA PERSADA","authors":"Bakti Toni Endaryono, Nurti Nurhayati, Yanti Hasbian Setiawati","doi":"10.47467/alkharaj.v1i2.55","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i2.55","url":null,"abstract":"ABSTRACT \u0000This study aims to analyze and find out about the influence of Islamic economics on the implementation of the financial system at PT. Pesat Jaya Persada. The method used in this study using quantitative methods is one type of research whose specifications are systematic, planned, and clearly structured from the beginning to the design of the research. with the results of the study Calculation of the total score of variables X and Y using the correlation formula obtained R of 0.846, while the coefficient is determined r that is 71.54 or equivalent to 71.54%. Significant whether or not the correlation of variable X and variable Y was consulted with table r with a confidence level of 0.05 N = 10 obtained R table 0.632 or 0.632 <0.846. and t test results obtained T count greater than t table (6.09> 2.23). It was concluded that there was a significant relationship between variable X and Y. Based on the number of respondents as many as 10 people, with a total score of 819, the highest score of 119, the lowest score of 48, Range: 71, Length of Class 12, Average 85.75, mode: 75, Median: 76, Deviation Deviation: 22.64. Calculations obtained Y of 6.38 were consulted with the chi square price table (X) at a significant level of 0.05 and db = k-1 = 19-1 = 18 obtained by chi table 15.50 Thus the Y count is smaller than the Y table (6.38 <15.50) so concluded normal distribution. Concern between the Islamic economy and the implementation of the financial system is about 71.54% in this study, which emphasizes the research on the company PT Pesat Jaya Persada. \u0000Keywords: Sharia Economy, Implementation and Financial System \u0000 ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"58 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121010404","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":"USHUL FIQH SEBAGAI KERANGKA BERPIKIR DALAM ISTINBATH HUKUM EKONOMI ISLAM","authors":"M. Romli","doi":"10.47467/alkharaj.v1i2.53","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i2.53","url":null,"abstract":"Abstract \u0000Studying the science of ushul fiqh in the traditions of Islamic campuses and pesantren is significant for the discovery and formation of Islamic economic law. Even ushul fiqh was made a compulsory subject that must be mastered by Islamic economic law experts today. However, studying ushul fiqh on campus and Islamic boarding schools is trapped in a conservative paradigm, where studying ushul fiqh is limited to something that is consumptive, read and memorized, without contextualization and application. In fact, ushul fiqh must be presented in the midst of Islamic economic in a logical and realistic way, even ushul fiqh as the primary commodity of Muslim economic law experts in the methodology of istinbat al-hukm must touch the economic problems faced by contemporary society. That is the challenge of Islamic economics law experts in studying ushul fiqh today. This paper, how to explain the activities of Muslim economic law experts in studying and understanding ushul fiqh with a descriptive-qualitative research approach model. So what is studied in this paper is the paradigm of thinking in a community of Muslim economists in studying and developing ushul fiqh, when faced with socio-economic problems that require the juridists of Islamic law in the frame of religious texts. From the results of this discussion it can be seen that the ushul fiqh for Islamic economic jurists in the development and dynamics model of ushul fiqh is centered on; revitalization of ushul fiqh, text diversification (fahm nushus asy-shari'ah) and extensification of maqashid as-shari'ah, namely expansion in understanding the purpose of sharia (fahm maqashid as-shari'ah). Besides that, Islamic economic law experts can use the method of ushul fiqh as tariqatu al a'mal, (work patterns), first, making maslahah as a tool in establishing Islamic economic law. Second, it is like matching the fatwa of ulama's law, with the current situation and condition. Third, carry out the operation of Usul Fikih in the formation Islamic economic law as a deductive method. And fourth, complete with Qawaid al-Fiqhiyyah. \u0000 ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"267 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116242676","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":"PERBANDINGAN KEBERLANJUTAN BISNIS RETAIL MINIMARKET MODERN DAN RETAIL TRADISIONAL WARUNG DI JAWA BARAT","authors":"Efrita Norman, Y. Permana, Riris Aishah Prasetyowati","doi":"10.47467/alkharaj.v1i2.52","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i2.52","url":null,"abstract":"ABSTRACT \u0000  \u0000The Continuity of traditional and modern retail retail business attracts the most attention, because it always puts the traditional retail business in a weak position. The result of this research is that the attention to the successful aspects of the service industry has not been a concern for the traditional retail business, thus weakening the position of traditional Retail business, coupled with the strong characteristic of the standardized service quality dimension as the business reference of modern minimarket services increasingly sharpening the performance gap retail business and thus further weaken the position of traditional retail business. Comparative analysis of Retail Business Traditional Stores and Retail Business Modern minimarket shows the successful aspects of the service business to be considered namely; consumers, management, and employees. This research includes descriptive research type using traditional approach. The analysis method used is a variant of semantic differential approach, with descriptive statistic analysis, correlation analysis, regression analysis to obtain determinant of the purpose of this research. \u0000  \u0000Keywords: business, market, modern, retail, tradisional","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125017957","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 PENETAPAN HARGA KOMODITAS DALAM PERSPEKTIF EKONOMI SYARIAH","authors":"Sholikul Hadi","doi":"10.47467/alkharaj.v1i2.54","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i2.54","url":null,"abstract":"Harga memiliki peran yang sangat penting bagi kelangsungan hidup perusahaan. Strategi penetapan harga komoditas banyak dibahas dalam ekonomi konvensional, demikian pula penerapannya telah banyak dilakukan baik untuk mempertahankan usahanya maupun untuk bersaing memenangkan pasar. Namun apakah strategi penetapan harga tersebut sudah sesuai dengan aturan hukum Islam. Tujuan penelitian yang ingin penyusun capai adalah untuk mengetahui strategi penetapan harga komoditas dalam perspektif ekonomi syariah, Serta peran pemerintah dalam menangani permasalahan harga dalam pasar. \u0000Penelitian ini merupakan penelitian studi pustaka (library research design) dengan menggunakan pendekatan secondary analysis adapun pendekatan ini terbagi menjadi dua tahap yaitu tahap deskriptif dan tahap evaluatif. Instrument dan teknik pengumpulan data yang digunakan adalah metode dokumentasi. Teknik analisis data yang digunakan adalah dengan teknik analisis kualitatif dengan pendekatan kepustakaan yang dilakukan dengan menggunakan tiga komponen produk yaitu data reduction dan pengumpulan data, data display, dan  conclusion drawing, yaitu mereduksi dan mengumpulkan berbagai data dan teori yang berhubungan dengan tema sentral dengan berbagai sumber serta mengklasifikasikannya untuk kemudian diuraikan secara sistematis, selanjutnya dilakukan kajian dan pembahasan untuk kemudian diambil kesimpulan atas permasalahan yang diteliti. \u0000Hasil penelitian diketahui bahwa strategi penetapan harga komoditas dalam perspektif ekonomi syariah dapat diterapkan dengan cara melihat kondisi pasar, baik permintaan maupun penawaran. Tidak seperti prinsip strategi penetapan harga komoditas dalam ekonomi konvensional yang memiliki tujuan akhir, yaitu maksimalisasi keuntungan dan mencari keuntungan untuk tujuan menghimpun kekayaan. Prinsip ekonomi syariah dalam harga, yaitu untuk meningkatkan kesejahteraan masyarakat dalam hal distribusi pendapatan. Mekanisme pasar tidak selalu dapat berjalan sesuai dengan konsep yang sudah ada, dengan demikian diperlukan peran pemerintah sebagai badan pengawas dalam menangani permasalahan harga di pasar agar terhindarnya dari masalah distorsi pasar. Namun pemerintah dilarang melakukan intervensi apabila pasar sedang berjalan normal. \u0000  \u0000  \u0000Kata kunci : Harga Komoditas, Kondisi Pasar, Peran Pemerintah, Ekonomi Syariah \u0000 ","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129512711","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":"BISNIS ONLINE DI ERA REVOLUSI INDUSTRI 4.0 (TINJAUAN FIQIH MUAMALAH)","authors":"Efrita Norman, Idha Aisyah","doi":"10.47467/alkharaj.v1i1.15","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i1.15","url":null,"abstract":"Online buying and selling has become a preferred shopping alternative to the current 4.0 industrial revolution. However, the existence of online buying and selling is faced with various problems such as goods mismatches, defects in goods, and fraud, making enthusiasts enthusiastic to give an idea about sharia online buying and selling according to Islamic law based on a study of the views of online business people in the Bogor Pamijahan District community. Online buying and selling transactions can be via ATM or COD (Cash On Delivery). The most important thing in buying and selling online is the seller's credibility, quality, price of goods and transaction security. Sharia online buying and selling must also be taken into account so that the seller and buyer of the same fellow Muslims are not harmed and they are happy with each other nor it does violate the fiqh law muamalah in Islam. Islamic Law of Jurisprudence packs online buying and selling in sharia that is fulfilling harmony and terms of sale and purchase, agreement, ethics and principle of buying and selling. The specifications of the goods being traded must be clear and honestly described even if there is a defect in the goods to avoid garar. If the specifications of the item desired by the buyerare not even suitable, the online seller can confirm to the buyer to choose another specification or even cancel the transaction by transferring the payment to avoid fraud and increase customer satisfaction.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115671801","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":"IMPLEMENTASI KEPEMIMPINAN PENDIDIKAN DALAM PENINGKATAN MUTU PENDIDIKAN DI SEKOLAH MELALUI MELALUI SISTEM NILAI","authors":"Bakti Toni Endaryono","doi":"10.47467/alkharaj.v1i1.19","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i1.19","url":null,"abstract":"In improving the quality of education at the school level one of them is educational leadership because it is one of the strategies that determine the emergence of changes in institutions to a better one. leadership must be improved in quality from time to time to advance the world of education at the national level through a system of values. In order for educational goals to be realized in the era of industrial revolution 4.0. Because there is still a lot of education in schools that is implemented poorly because it does not see national education quality standards, the Quality of National Education will be measured through the attainment of all National Education Standards, including standards of content, process, competency, education and education, facilities and infrastructure education funding and assessment (PP RI No. 19 of 2005).One element of the quality of educational institutions is the quality of services carried out by these institutions to their stakeholders. the quality of service is part of the implementation of TQM education that is implemented by the leadership of the institution to its customers, so that in improving the quality, educational institutions must have several elements such as Tangible, intangible, Reliability, Responsive institution. Public leadership is related to the ability to establish cooperation and become a reference for the public with functional and operational management systems including planning, organizing, staffing, leading, controlling in internal and external activities, with reference to the vision and mission of the institution.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129467070","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 LIKUIDITAS DAN INVENTORY TURNOVER TERHADAP PROFITABILITAS CV MUTIARA ABADI BOGOR","authors":"Faisal Salistia, Evinovita Evinovita, Eneng Siti Khodijah","doi":"10.47467/alkharaj.v1i1.17","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i1.17","url":null,"abstract":"Profitability is the ability of companies to obtain profits generated from company activities to measure how much management effectiveness in managing assets owned by the company to generate profits. This study uses return on assets (ROA) to measure the profitability of a company, because ROA shows the rate of return of all company assets not just equity investment. This study uses a quantitative method with a type of causal research because it is adjusted to the hypothesis formulation that predicts that liquidity (current ratio) (CR) and inventory turnover (ITO) affect ROA. The data used in this study are quantitative data obtained from secondary data from quarterly financial reports CV. Abadi Bogor Bogor in 2012-2016 with documentation data collection methods. Multiple linear regression analysis in this study was used to determine the effect of independent variables (CR and ITO) on the dependent variable (ROA). Based on the results of statistical calculations show that the variable liquidity (current ratio) partially has a positive effect on ROA of the company CV. Abadi Abadi Bogor for the period 2012-2016. Partial Inventory Turnover has no significant effect on ROA of a company CV. Abadi Abadi Bogor for the period 2012-2016. While simultaneously variable liquidity (current ratio) and inventory turnover have a positive effect on ROA of the company CV. Abadi Abadi Bogor for the period 2012-2016.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"97 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124186224","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":"MENGUKUR INDEKS KEMASLAHATAN BPRS AMANAH UMMAH BOGOR","authors":"Dedi Junaedi, Sri Hayatin Nufus","doi":"10.47467/alkharaj.v1i1.14","DOIUrl":"https://doi.org/10.47467/alkharaj.v1i1.14","url":null,"abstract":"Islamic financial institutions, especially Islamic banking, should, not only be assessed from the high and low value of profitability such as conventional banking. LKS can also provide reasonable benefits or a real benefit index to the surrounding public. So, assessing the performance of Islamic banking cannot be equated with conventional banking considering that both have different goals and views. Islamic Maqashid, namely the realization of benefit - in safeguarding religion, soul, mind, descent, and property - should be considered in measuring the performance of a Sharia financial institution. The purpose of this study pioneered an effort to measure the welfare index of BPRS Amanah Umat by approaching the issue of religion, soul, mind, lineage, and wealth in the BPRS Amanah Ummah. This study uses a combination of qualitative descriptive research and quantitative analysis with research subjects from two parties, internal parties (employees) and external parties (customers) BPRS mandate Ummah. The object of research from this study is the five elements of the approach to maslahah dharuriyah. The method of data collection consists of methods of observation, questionnaires, documentation, and literature. The data validity technique uses qualitative  descriptive testing, enriched with statistically processed data with analysis comparing the mean with the independent test sample t-test. The results of the study concluded that the highest value of the welfare index of the BPRS Amanah Ummah is the reason with an average value of 4.3 and the lowest value of maslahah is the maslahah descent with an average value of 3.9. Based on quantitative analysis, the overall index of the five elements of maslahah is 0.8364 (83.64%), with reason in the first place and maslahah descendants in fifth place. The quantative analysis shows that there are significant differences between the perceptions of internal and external parties. Differences in perceptions of the value of benefit are influenced by factors in the number of dependents, differences in age, gender, and level of education.","PeriodicalId":286012,"journal":{"name":"Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah","volume":"96 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-03-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126819935","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}