{"title":"BERKAH DALAM PERILAKU KONSUMSI MASYARAKAT MUSLIM PERUMAHAN TULUNGAGUNG","authors":"Dede Nurohman","doi":"10.21274/an.v9i1.5484","DOIUrl":"https://doi.org/10.21274/an.v9i1.5484","url":null,"abstract":"This study aims to reveal the interpretation of the Muslim housing community about the meaning of blessings in their lives and relate it to their consumption behavior, especially in determining the criteria for sellers that contain blessings. This study used a qualitative approach and data mining was carried out using interview, observation and FGD techniques. This study found that their interpretation of blessings was divided into three, namely; blessing as a transcendent value, blessing as a condition, and blessing as a means. In the context of consumption activities, their understanding of the seller's criteria states that the seller's blessing lies with three criteria, namely; sellers who are elderly and serve honestly and friendly, sellers who have the status of students, have the title hajj/hajah, and sellers are male. This finding is expected to provide consideration for the importance of the blessing factor in the formulation of the theory of consumption behavior in Islam. \u0000 \u0000 ","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48931717","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":"KHIYAR AL-RU’YAH ON ONLINE TRANSACTIONS; AN ANALYSIS CONTEMPORARY MUAMALAH MALIYAH","authors":"Ahmad Syaichoni, D. Setiawan","doi":"10.21274/an.v9i1.4405","DOIUrl":"https://doi.org/10.21274/an.v9i1.4405","url":null,"abstract":"This research is backed by the phenomenon of online transactions conducted by the people of the modern era. Online transactions emerge due to the development of technology and information that can help human beings buy and sell transactions efficiently. However, online transactions pose an individual problem as fraud. Islam governs that every transaction should prioritize a mutual attitude so that no party is harmed. Islam guarantees that all forms of transactions must be free from anything that could harm either party. This article will discuss Islam's concept to protect the parties in the transaction, especially in online transactions. This research is a research library with a normative juridical approach. The data analysis used is content analysis and critic analysis. This research can conclude that al-ru'yah may be applied to online transactions as a form of collateral protection provided to the consumer. Khiyar al-ru'yah attempts to ensure that the consumer knows the goods are transacted so that no party is harmed.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49017787","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}
Nur Lia Nikmatur Rohmah, M. Zainal, Muhammad Nadir
{"title":"ANALISIS MANAJEMEN PENGELOLAAN UNIT PENGHIMPUN ZAKAT (UPZ) IAIN MADURA","authors":"Nur Lia Nikmatur Rohmah, M. Zainal, Muhammad Nadir","doi":"10.21274/an.v9i1.5314","DOIUrl":"https://doi.org/10.21274/an.v9i1.5314","url":null,"abstract":"Zakat merupakan salah satu ciri dari sistem perekonomian islam, harta yang dikeluarkan zakatnya akan menjadi berkah, bertambah dan berkembang, tumbuh, suci dan baik. Indonesia memiliki Badan Amil Zakat Nasional (BAZNAS) yang merupakan badan resmi dan satu-satunya dibentuk okeh pemerintah berdasarkan keptusan Presiden Republik Indonesia No. 8 Tahun 2001. BAZNAS membentuk satuan organisasi yang disebut dengan UPZ yaitu Unit Pengumpul Zakat yang berfungsi dalam membantu mengumpulkan zakat (UU No. 23 Tahun 2011 Pasal 1 angka 9). Di Pamekasan lebih tepatnya di IAIN Madura telah mempunyai organisasi yang mengelola dana ZIS dengan nama UPZ IAIN Madura. Dalam penelitian ini penyusun ingin mengetahui bagaimana manajemen pengelolaannya apakah sesuai dengan yang diharapkan atau dirasa tidak maksimal. Metode penelitian ini menggunakan jenis pendekatan kualitatif deskriptif dengan melakukam wawancara langsung kepada Ketua UPZ IAIN Madura yakni Elman Duro yang memperoleh kesimpulan bahwa pengelolaan dana dirasa kurang maksimal dikarenakan dana yang masuk dinilai sedikit untuk seukuran UPZ IAIN Madura.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49056355","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":"PERFORMANCE ANALYSIS OF WAQF INSTITUTION USING BALANCED SCORECARD ANALYSIS: CASE STUDY AT LAZNAS YATIM MANDIRI","authors":"Nur Rizqi Febriandika","doi":"10.21274/an.v9i1.5347","DOIUrl":"https://doi.org/10.21274/an.v9i1.5347","url":null,"abstract":"This research aims to measure the performance of the waqf institution (LAZNAS Yatim Mandiri) using a balanced scorecard (BSC). This study uses quantitative and qualitative analysis or mixed-method by using a balanced scorecard (BSC). The Balanced Scorecard is used to measure performance from both a financial perspective and a non-financial perspective, which includes four main perspectives: (1) finance, (2) customers, (3) internal business processes, and (4) learning and growth. The study found that an overall BSC score of 85,6% shows that the performance of LAZNAS Yatim Mandiri is categorized as very good. From each perspective, customer perspective is the highest BSC score, followed by financial perspective and internal business while learning and growth perspective gain the lowest score. The BSC suggests a direction of priority to improve each strategic goal of perspective. Customer satisfaction becomes the first place, followed by waqf collection and distribution as the second priority. The next priority is employee satisfaction while keeping other strategic goals to be maintained. The findings of this study could help Islamic philanthropic institutions define their vision and strategy, as well as change their vision and strategy into specific activities, by implementing measures that are accurate and comprehensive, as well as providing information that is accurate and correct for managers to make business decisions.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45881018","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}
Sri Yulfa Desta, Rokhmat Subagiyo, Usdeldi Usdeldi
{"title":"PENGARUH SHARIA COMPLIANCE TERHADAP KINERJA KEUANGAN DENGAN MEDIASI KINERJA MAQASHID SYARIAH PADA PERBANKAN SYARIAH","authors":"Sri Yulfa Desta, Rokhmat Subagiyo, Usdeldi Usdeldi","doi":"10.21274/an.v9i1.5485","DOIUrl":"https://doi.org/10.21274/an.v9i1.5485","url":null,"abstract":"This study aimed to prove that the mediation of the performance of sharia maqashid affects sharia compliance with financial performance. The method used was a regression analysis based on Structural Equation Modeling with panel data available in the annual reports published by Islamic commercial banks in Indonesia for the period 2014-2019. The results of the study proved that sharia compliance has a direct and significant negative influence on financial performance. However, sharia compliance does not have a significant effect on maqashid sharia performance. Furthermore, maqashid sharia performance has a negative and significant effect on financial performance, but does not mediate the influence of sharia compliance on financial performance at Islamic commercial banks in Indonesia. This research recommends that policymakers confirm regulations regarding the implementation and disclosure of sharia compliance and maqashid sharia performance indicators in the annual reports of Islamic Conventional Banks (ICBs). In addition, it is necessary to design an integrated Islamic banking performance measurement model that includes conventional financial performance indicators with maqashid sharia performance indicators. In practical implementation, ICBs should increase the implementation of sharia compliance and maqashid sharia performance indicators.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45186156","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":"PERAN PENGAWASAN DALAM MENINGKATKAN PRODUKTIVITAS KERJA","authors":"Saiful Muslim","doi":"10.51339/nisbah.v3i1.388","DOIUrl":"https://doi.org/10.51339/nisbah.v3i1.388","url":null,"abstract":"Tulisan ini bertujuan untuk mengetahui : (1) Pelaksanaan pengawasan di BMT Al Hijrah KAN Jabung Syariah Malang, (2) Peranan pengawasan dalam meningkatkan produktivitas kerja karyawan di BMT Al Hijrah KAN Jabung, (3) Hambatan-hambatan yang dihadapi dalam pelaksanan pengawasan di BMT Al Hijrah KAN Jabung. Metode penulisan paper ini menggunakan metode deskriptif kualitatif dengan strategi tunggal terpancang. Sumber data yang digunakan terdiri dari informan, lokasi penelitian serta arsip dan dokumen. Teknik sampling yang digunakan teknik purposive snowball sampling. Dalam mengumpulkan data menggunakan teknik wawancara, observasi dan analisis dokumen.Pelaksanaan pengawasan di BMT Al Hijrah KAN Jabung Syariah Malang ini didasarkan pada empat hal, yaitu: a. Waktu pelaksanaan pengawasan, meliputi pengawasan preventif yaitu pengawasan yang dilakukan pada waktu rekrut karyawan agar mendapatkan tenaga kerja yang produktif, represif yaitu pengawasan yang dilakukan selama kegiatan berlangsung agar berjalan lebih terarah dan kuratif yaitu pengawasan yang dilakukan setelah kegiatan berlangsung untuk mengevaluasi apabila ada kesalahan, b. Subyek/pengawas, diwenangkan kepada kepala bagian masing-masing departemen, c. Obyek/yang diawasi, ini meliputi seluruh karyawan beserta kegiatannya, d. Cara, pengawasan ini dilakukan secara langsung, tidak langsung, berkala dan tidak berkala.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":"35 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79495560","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":"MENINGKATNYA TRANSAKSI PEMBAYARAN UANG ELEKTRONIK BERBASIS SERVER DIMASA PANDEMI COVID-19 BERDASARKAN PERSPEKTIF SYARIAH","authors":"Intan Kesuma Ratu, M. I. Fasa, Suharto","doi":"10.51339/nisbah.v3i1.405","DOIUrl":"https://doi.org/10.51339/nisbah.v3i1.405","url":null,"abstract":"Sehubungan dengan kemajuan teknologi pada zaman modern ini, terciptalah uang digital atau yang disebut dengan uang elektronik. Uang elektronik merupakan alat pembayaran dalam bentuk uang elektronik, dimana nilai uangnya disimpan dalam media elektronik tertentu. Penelitian ini dilakukan bertujuan untuk mengetahui faktor-faktor penyebab meningkatnya transaksi pembayaran menggunakan uang elektronik terkhusus uang elektronik berbasis server dimasa pandemi. Penelitian dilakukan berupa kualitatif deskriptif dengan mengumpulkan data menggunakan studi pustaka dan meresume dari hasil teori atau pendapat yang telah dilakukan sebelumnya. Hasilnya menunjukkan bahwa Pembatasan Sosial Berskala Besar (PSBB) menyebabkan mobilitas masyarakat terbatas berpotensi meningkatkan transaksi uang elektronik dan kebijakan physical distancing mendorong masyarakat menggunakan uang elektronik berbasis server. Meningkatnya transaksi uang elektronik di masa pandemi Covid-19 juga disebabkan oleh kesadaran masyarakat, akan meningkatnya risiko penularan virus Covid-19 melalui uang kertas. ","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":"53 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82746150","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 PROMOSI, PENERAPAN PRINSIP SYARIAH, DAN BAGI HASIL TERHADAP KEPUTUSAN MENJADI BANK BNI SYARIAH","authors":"Efi Endang Dwi Setyo Rini","doi":"10.51339/nisbah.v3i1.389","DOIUrl":"https://doi.org/10.51339/nisbah.v3i1.389","url":null,"abstract":"Penelitian ini bertujuan untuk menguji pengaruh promosi, penerapan prinsip syariah, bagi hasil terhadap keputusan manjadi nasabah Bank BNI Syariah Cabang Pasuruan. Untuk variabel dependen (Y) dalam penelitian ini adalah keputusan menjadi nasabah. Untuk variabel independen (X) meliputi, promosi (X1), penerapan prinsip syariah (X2), dan bagi hasil (X3).Sampel yang digunakan sebanyak 100 orang dengan pengambilan sampel menggunakan metode random sampling. Penelitian ini menggunakan metode kuantitatif. Analisis data dalam penelitian ini menggunakan analisis Regresi Linier Berganda, uji asumsi klasik, Uji signifikansi dan uji ketepatan model. Dari hasil penelitian ini dapat disimpulkan berdasarkan uji t, variabel promosi (X1), penerapan prinsip syariah (X2), bagi hasil (X3) memiliki pengaruh terhadap keputusan menjadi nasabah (Y).","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":"3 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"88549576","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 MANAJEMEN DANA PADA BANK SYARIAH","authors":"Sri Mulyani, Siti Jamilah","doi":"10.51339/nisbah.v3i1.387","DOIUrl":"https://doi.org/10.51339/nisbah.v3i1.387","url":null,"abstract":"Tulisan ini bertujuan untuk mengkaji impelementasi manajemen dana pada bank syariah. Pengelolaan dana Bank Syariah merupakan upaya untuk mengarahkan posisi dana yang diterima bank syariah dari kegiatan mengumpulkan dana menyalurkan dana dalam bentuk pembiayaan sehingga bank syariah tetap mampu memenuhi kriteria-kriteria likuiditas, rentabilitas dan solvabilitas. Sumber pendanaan bank syariah diantaranya berasal dari dana sendiri, Dana Pihak Ketiga (DPK) dan dana pinjaman. Dana bank syariah bisa berasal dari modal yaitu modal inti (core capital), kuasi ekuitas (Mudharabah Account), dan dana titipan (wadiah). Sementara itu penggunaan dana pada bank syariah terdiri atas pengeluaran untuk Earning Assests dan Non Earning Assets. Metode yang digunakan bank syariah didalam mengalokasikan dananya dibedakan menjadi dua pendekatan dengan mempertimbangan sumber dana yang diperoleh bank syariah yaitu Pool of fund approach dan Asset allocation approach.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":"10 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87365120","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}
Muhammad Ikbal Falevy, Suryani, Prima Dwi Priyatno
{"title":"PENGARUH LITERASI KEUANGAN SYARIAH, RELIGIUSITAS DAN PERSEPSI MAHASISWA JABODETABEK TERHADAP KEPUTUSAN MENGGUNAKAN LAYANAN PERBANKAN SYARIAH","authors":"Muhammad Ikbal Falevy, Suryani, Prima Dwi Priyatno","doi":"10.51339/nisbah.v3i1.345","DOIUrl":"https://doi.org/10.51339/nisbah.v3i1.345","url":null,"abstract":"The Islamic banking industry has long been awaited by all Muslim communities who want a banking system based on sharia principles in Indonesia. Even though Islamic banks are now present, there are still many dynamics faced by Islamic banking. This study aims to describe the influence of Islamic financial literacy, religiosity and perceptions of Jabodetabek students on decisions to use Islamic banking services. The research method used in this research is quantitative with data collection method using purposive sampling method with a total sample of 181 respondents who are distributed to students who use Islamic banking in Jabodetabek through questionnaires. The data analysis techniques in this study were validity tests, reliability tests, classical assumption tests, multiple linear regression tests and hypothesis testing with the help of the Statistical Package for the Social Sciences (SPSS) software version 25. The results of this study indicate that the Islamic financial literacy variable, religiosity and perceptions of Jabodetabek students have a positive and significant influence on the decision to use Islamic banking services.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":"41 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-01-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85448485","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}