This study aimed to explain the citizen of Pulau Palas's perspective on the MUI fatwa number 1 of 2004 regarding bank interest. This type of research was qualitative research using a purposive sampling technique. Data were analyzed using the Miles and Huberman method. The research findings showed that the public agreed that bank interest is usury, the fatwa should be comprehended as long as the decision is sincere for the benefit of the people. However, most of them still rely on conventional banking because of distrust of the system used by Islamic banks, as well as the ignorance of the existence of the fatwa. Therefore, the people viewed that the fatwa was issued to promote or increase the prestige of Islamic banks so that people turn to Islamic banks and leave conventional banks.
{"title":"Fatwa Majelis Ulama Indonesia Nomor 1 Tahun 2004 tentang Bunga Bank","authors":"S. Saputra, Selviani Selviani","doi":"10.46963/jam.v4i1.372","DOIUrl":"https://doi.org/10.46963/jam.v4i1.372","url":null,"abstract":"This study aimed to explain the citizen of Pulau Palas's perspective on the MUI fatwa number 1 of 2004 regarding bank interest. This type of research was qualitative research using a purposive sampling technique. Data were analyzed using the Miles and Huberman method. The research findings showed that the public agreed that bank interest is usury, the fatwa should be comprehended as long as the decision is sincere for the benefit of the people. However, most of them still rely on conventional banking because of distrust of the system used by Islamic banks, as well as the ignorance of the existence of the fatwa. Therefore, the people viewed that the fatwa was issued to promote or increase the prestige of Islamic banks so that people turn to Islamic banks and leave conventional banks.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"95 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130149743","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}
As students who have an educational background in Islamic Economics, each has a different perception of Islamic Banking. There are still students who compare Islamic banks and conventional banks, a doubt toward the operational saving system, financing or discounting, and the existence of conventional Banks being more affordable than Islamic banks in remote areas. This study aimed to examine the effect of religiosity on students' interest in saving in Islamic banks. This type of research was quantitative with data analysis using a simple regression method. The results showed that the t count was 14,832, and the t table was 1,975 < t count 14,832 with a significance of 0.000 under 0.05. Therefore, it concluded that religiosity significantly affects the saving interest of students at Islamic Banks.
{"title":"Pengaruh Religiositas terhadap Minat Mahasiswa Menabung di Bank Syariah","authors":"Peni Darmisah, Saiin Saiin","doi":"10.46963/jam.v4i1.339","DOIUrl":"https://doi.org/10.46963/jam.v4i1.339","url":null,"abstract":"As students who have an educational background in Islamic Economics, each has a different perception of Islamic Banking. There are still students who compare Islamic banks and conventional banks, a doubt toward the operational saving system, financing or discounting, and the existence of conventional Banks being more affordable than Islamic banks in remote areas. This study aimed to examine the effect of religiosity on students' interest in saving in Islamic banks. This type of research was quantitative with data analysis using a simple regression method. The results showed that the t count was 14,832, and the t table was 1,975 < t count 14,832 with a significance of 0.000 under 0.05. Therefore, it concluded that religiosity significantly affects the saving interest of students at Islamic Banks.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"38 2","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132463940","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}
This research was motivated by the author's preliminary observations regarding customers' points of view between Sharia Pawnshops, and conventional Pawnshops were the same, some customers thought that Sharia Pawnshops also apply interest, even though the system were different. The purposes of this study were to find out how the Rahn contract, and the customer's perception of the Rahn at the Syariah Pawnshops. Data analysis used qualitative descriptive by deductive, and inductive methods. The results showed that most of the customers did not understand the Rahn, but they believed that the pawn products available at the Sharia Pawnshop and the pawn products in conventional pawnshops were the same. Furthermore, the implementation of the Rahn contract at the Sharia Pawnshop was under Islamic roles because there were no rules that violate Islamic law.
{"title":"Persepsi Nasabah terhadap Akad Rahn pada Pegadaian Syariah","authors":"Sri Widiastuti, Nurse Fatimah MZ","doi":"10.46963/jam.v4i1.376","DOIUrl":"https://doi.org/10.46963/jam.v4i1.376","url":null,"abstract":"This research was motivated by the author's preliminary observations regarding customers' points of view between Sharia Pawnshops, and conventional Pawnshops were the same, some customers thought that Sharia Pawnshops also apply interest, even though the system were different. The purposes of this study were to find out how the Rahn contract, and the customer's perception of the Rahn at the Syariah Pawnshops. Data analysis used qualitative descriptive by deductive, and inductive methods. The results showed that most of the customers did not understand the Rahn, but they believed that the pawn products available at the Sharia Pawnshop and the pawn products in conventional pawnshops were the same. Furthermore, the implementation of the Rahn contract at the Sharia Pawnshop was under Islamic roles because there were no rules that violate Islamic law.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"142 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134101309","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}
Starting from the phenomenon occurred especially among Muslim women who were very concerned with fashion issues. Many of them did not know the function of the clothes they wear, and how Islam arranges the clothes. The purpose of this study was to determine the influence of religiosity on the decision of purchasing Muslim clothes in Tembilahan District. This was quantitative research by simple linear regression method analysis. The results showed that the T count was bigger than the T table. The T table was 12,763>2,024 and sig. 0.000 <0.05 means Ha was accepted, and Ho was rejected. The contribution of religiosity to the decision toward purchasing Muslim clothing by looking at the results of the R Square was 81.1%, while the remaining 18.9% influenced by other factors outside of the researcher's discussion.
{"title":"Pengaruh Religiositas terhadap Keputusan Pembelian Pakaian Muslimah","authors":"Dessy Trimulyani, Hendro Lisa, Ferdinan Ferdinan","doi":"10.46963/jam.v4i1.369","DOIUrl":"https://doi.org/10.46963/jam.v4i1.369","url":null,"abstract":"Starting from the phenomenon occurred especially among Muslim women who were very concerned with fashion issues. Many of them did not know the function of the clothes they wear, and how Islam arranges the clothes. The purpose of this study was to determine the influence of religiosity on the decision of purchasing Muslim clothes in Tembilahan District. This was quantitative research by simple linear regression method analysis. The results showed that the T count was bigger than the T table. The T table was 12,763>2,024 and sig. 0.000 <0.05 means Ha was accepted, and Ho was rejected. The contribution of religiosity to the decision toward purchasing Muslim clothing by looking at the results of the R Square was 81.1%, while the remaining 18.9% influenced by other factors outside of the researcher's discussion.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"106 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124174290","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}
A person can make a living with their needs. Needs are inseparable from humans. Every human being demands to be able to meet his needs. In its development, the needs always change according to an individual. Will increase and decrease according to the existing factors. Needs are more than desires that must be fulfilled before desires. Even though the two are different, some people consider them the same. People who are good at sorting will know the difference between desire and needs. This study discussed individual satisfaction with their needs, individual efforts to meet their needs, as well as identifying individual needs in a place. The data was collected through direct observation and interviews. This research was important for the community to know their needs. So that it can be seen directly the responsibility of the community regarding needs. From the data, it can be seen that there were different needs of the community and they also attach the important factor of the blessing.
{"title":"Faktor Berkah dalam Pola Konsumsi dan Tingkat Kepuasan untuk Pemenuhan Kebutuhan","authors":"Imam Barokah","doi":"10.46963/JAM.V3I2.179","DOIUrl":"https://doi.org/10.46963/JAM.V3I2.179","url":null,"abstract":"A person can make a living with their needs. Needs are inseparable from humans. Every human being demands to be able to meet his needs. In its development, the needs always change according to an individual. Will increase and decrease according to the existing factors. Needs are more than desires that must be fulfilled before desires. Even though the two are different, some people consider them the same. People who are good at sorting will know the difference between desire and needs. This study discussed individual satisfaction with their needs, individual efforts to meet their needs, as well as identifying individual needs in a place. The data was collected through direct observation and interviews. This research was important for the community to know their needs. So that it can be seen directly the responsibility of the community regarding needs. From the data, it can be seen that there were different needs of the community and they also attach the important factor of the blessing.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134360976","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}
Zakat is one of the pillars of Islam that every capable Muslim must do. One of the institutions that manage zakat funds is the National Zakat Agency (BAZNAS). This study aims to partially and simultaneously examine the effect of promotion and service quality on people's interest in paying zakat through BAZNAS, Indragiri Hilir Regency. This type of research is field research. The data used in this study were primary and secondary. 87 Respondents in this study were Muzakki in BAZNAS Indragiri Hilir Regency. The sampling technique used was simple random sampling. The data collection methods were questionnaires, interviews, and documentation. The data analysis technique partially used the t-test and simultaneously used the Anova test. The results showed that either partially or simultaneously, promotion and service quality had a significant influence on people's interest in paying zakat in BAZNAS, Indragiri Hilir Regency.
{"title":"Pengaruh Promosi dan Kualitas Layanan terhadap Minat Masyarakat Membayar Zakat","authors":"Erdani Murdani Nur","doi":"10.46963/JAM.V3I2.183","DOIUrl":"https://doi.org/10.46963/JAM.V3I2.183","url":null,"abstract":"Zakat is one of the pillars of Islam that every capable Muslim must do. One of the institutions that manage zakat funds is the National Zakat Agency (BAZNAS). This study aims to partially and simultaneously examine the effect of promotion and service quality on people's interest in paying zakat through BAZNAS, Indragiri Hilir Regency. This type of research is field research. The data used in this study were primary and secondary. 87 Respondents in this study were Muzakki in BAZNAS Indragiri Hilir Regency. The sampling technique used was simple random sampling. The data collection methods were questionnaires, interviews, and documentation. The data analysis technique partially used the t-test and simultaneously used the Anova test. The results showed that either partially or simultaneously, promotion and service quality had a significant influence on people's interest in paying zakat in BAZNAS, Indragiri Hilir Regency.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128346215","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}
This study aimed to determine the effect of promotion on the sales of Islamic insurance policies at PT. Asuransi Takaful Keluarga RO Riau Agency Pekanbaru. This research was motivated by the development of Islamic insurance companies both in terms of assets and in terms of company contributions that have an impact on insurance policy sales. The formulation of the problem in this study was to determine the effect of the relationship promotion on insurance policy sales. This research used quantitative methods with simple linear regression analysis. The sample in this study was 49 respondents. Based on the results of the partial test (t-test), the tcount was 1.391
本研究旨在确定促销对PT. Asuransi Takaful Keluarga RO Riau代理北干巴鲁的伊斯兰保单销售的影响。这项研究的动机是伊斯兰保险公司的发展，无论是在资产方面，还是在影响保险单销售的公司贡献方面。本研究的问题是确定关系促进对保单销售的影响。本研究采用简单线性回归分析的定量方法。本研究的样本为49名受访者。根据部分检验(t检验)的结果，tcount为1.391
{"title":"Pengaruh Promosi terhadap Penjualan Polis Asuransi Syariah","authors":"Ermayanis Ermayanis, Nurse Fatimah Mz","doi":"10.46963/JAM.V3I2.201","DOIUrl":"https://doi.org/10.46963/JAM.V3I2.201","url":null,"abstract":"This study aimed to determine the effect of promotion on the sales of Islamic insurance policies at PT. Asuransi Takaful Keluarga RO Riau Agency Pekanbaru. This research was motivated by the development of Islamic insurance companies both in terms of assets and in terms of company contributions that have an impact on insurance policy sales. The formulation of the problem in this study was to determine the effect of the relationship promotion on insurance policy sales. This research used quantitative methods with simple linear regression analysis. The sample in this study was 49 respondents. Based on the results of the partial test (t-test), the tcount was 1.391 <t-table 2.016, so the promotion had no significant effect on the variable sales of the insurance policy of PT. Asuransi Takaful Keluarga RO Riau Pekanbaru. The regression results showed that the promotion variable does not affect sales.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"36 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117235412","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}
The purpose of this research was to determine the wages for oil palm plantations within the Islamic economic system. Descriptive qualitative with data reduction, data presentation, and conclusions drawing was applied in this study. The results showed that the oil palm plantation wage system in determining the sharing was in accordance with the Islamic Economics principles because plantation owners discussed the number of wages to be given in advance. Regarding the time of payment procedure, the owner of the oil palm plantation did not delay the payment, the wages are given directly to workers after they have finished their routine. The oil palm plantation wage system has fulfilled the value of justice because wages were distributed based on each type of work performed. However, the provision of wages has not met the eligibility value, because the stipulated wages have not been able to meet the living needs of the workers even though the wages paid were in accordance with the minimum wages’ regulation of Indragiri Hilir Regency.
{"title":"Sistem Pengupahan Kebun Sawit dalam Perspektif Ekonomi Islam","authors":"Soleha Soleha, Sai'in Sai'in","doi":"10.46963/JAM.V3I2.281","DOIUrl":"https://doi.org/10.46963/JAM.V3I2.281","url":null,"abstract":"The purpose of this research was to determine the wages for oil palm plantations within the Islamic economic system. Descriptive qualitative with data reduction, data presentation, and conclusions drawing was applied in this study. The results showed that the oil palm plantation wage system in determining the sharing was in accordance with the Islamic Economics principles because plantation owners discussed the number of wages to be given in advance. Regarding the time of payment procedure, the owner of the oil palm plantation did not delay the payment, the wages are given directly to workers after they have finished their routine. The oil palm plantation wage system has fulfilled the value of justice because wages were distributed based on each type of work performed. However, the provision of wages has not met the eligibility value, because the stipulated wages have not been able to meet the living needs of the workers even though the wages paid were in accordance with the minimum wages’ regulation of Indragiri Hilir Regency.","PeriodicalId":199022,"journal":{"name":"AL-Muqayyad","volume":"43 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133330364","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}
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