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STRATEGI FUNDRAISING DANA ZAKAT DENGAN SISTEM QRIS DI BAZNAS KABUPATEN BANYUMAS
Pub Date : 2022-06-26 DOI: 10.52490/attijarah.v4i1.346
Strategi Fundraising, Dana Zakat, Dengan Sistem, Qris DI Baznas, Kabupaten Banyumas, Banyumas Regency, Miftaakhul Amri
The purpose of this study is to see how far the implementation of the strategy of fundraising zakat funds using the QRIS system and how the flow of zakat payments through QRIS in BAZNAS Banyumas district. This research is a field research with a qualitative descriptive approach, and data collection is obtained from interviews and field observations. The results of the study show that the implementation of the fundraising and zakat strategy using QRIS at BAZNAS Banyumas goes through several stages, namely determining Muzakki's segments and targets, preparing human resources, building a communication system and compiling a service system. Not only that, BAZNAS Banyumas also runs a marketing communication strategy. That is by making interesting programs, creating feelings of empathy, collaborating with other companies, and providing the best service. To process zakat payments with QRIS, muzakki only need to scan the QR code for zakat payments at BAZNAS Banyumas, then follow the next payment steps. In a matter of minutes and without going to the BAZNAS Banyumas office, muzakki can pay their zakat whenever and wherever they are.
本研究的目的是了解利用QRIS系统筹集天课资金的策略在巴兹纳斯Banyumas地区的实施情况,以及通过QRIS系统筹集天课资金的情况。本研究是采用定性描述方法的实地研究,数据收集来自访谈和实地观察。研究结果表明,利用QRIS在BAZNAS Banyumas实施募捐和天课战略经历了确定天课的细分和目标、准备人力资源、建立沟通体系和编制服务体系等几个阶段。不仅如此,BAZNAS Banyumas还有一套营销传播策略。那就是通过制作有趣的节目,创造同理心,与其他公司合作,并提供最好的服务。要用QRIS处理天课支付,muzakki只需要在BAZNAS Banyumas扫描天课支付的二维码,然后按照接下来的支付步骤进行。在几分钟内,不用去BAZNAS Banyumas的办公室,muzakki就可以随时随地缴纳天课。
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引用次数: 0
PENGARUH LAPORAN KEUANGAN TERHADAP PENGAMBILAN KEPUTUSAN BERINVESTASI DI GALERI INVESTASI SYARIAH FEBI IAIN PALANGKA RAYA 《金融报告》对投资伊斯兰投资画廊的影响
Pub Date : 2022-06-26 DOI: 10.52490/attijarah.v4i1.430
M. Rasid, Muhammad Riza Hafizi
Financial statements are one of the indicators that can provide an overview of the circumstances or conditions of an issuer through financial ratios, namely profitability, solvency, and value to investors in making an investment decision. In addition, financial knowledge is also one of the indicators that can influence investors in making investment decisions. The purpose of the study was to find out how much influence the issuer's financial statements have on investment decision making in the Sharia Investment Gallery FEBI IAIN Palangka Raya. The study uses a quantitative approach with expost facto types of research. The method of data collection in this study uses questionnaires and documentation. The sample in this study amounted to 83 people who were registered as customers at the Sharia Investment Gallery FEBI IAIN Palangka Raya from 2018-2020. Sampling in this study used proportional claster random sampling with solvin formula and a tolerance value of 10%. The data analysis technique used is regression analysis with the help of SPSS Statistics 26. Regression analysis results showed that the significance value of 0.000 < 0.05 and the known t value of This numera 5.103 > 1,990. Overall it can be concluded that Ho was rejected and Ha was accepted, namely ada significant influence between the issuer's financial statements on investment decision making in the Sharia Investment Gallery FEBI IAIN Palangka Raya.  Based on the value of the coefficient of determination (R Square) obtained by 0.243 which contains the understanding of the effect of free variables (independent/financial statements) on bound variables (dependents/investing decision making) is 24.3%, and the remaining 75.7% is influenced by other factors that are not contained in the researcher's research.
财务报表是一种指标,可以通过财务比率,即盈利能力,偿付能力和对投资者作出投资决策的价值,提供发行人的情况或条件的概述。此外,金融知识也是影响投资者进行投资决策的指标之一。本研究的目的是找出发行人的财务报表对伊斯兰投资画廊IAIN Palangka Raya的投资决策有多大的影响。本研究采用实证研究类型的定量方法。本研究的资料收集方法采用问卷调查和文献资料法。本研究的样本共83人,他们在2018年至2020年期间在Palangka Raya的伊斯兰教法投资画廊注册为客户。本研究抽样采用比例分类随机抽样,采用求解公式,容差值为10%。使用的数据分析技术是回归分析与SPSS统计26的帮助。回归分析结果显示,显著性值0.000 < 0.05,已知t值5.103 > 1990。总的来说,可以得出Ho被拒绝,Ha被接受的结论,即在Sharia investment Gallery FEBI IAIN Palangka Raya中,发行人的财务报表对投资决策有显著影响。根据0.243得到的决定系数(R平方)的值,其中包含对自由变量(独立/财务报表)对约束变量(依赖/投资决策)的影响的理解为24.3%,其余75.7%受到研究者研究中未包含的其他因素的影响。
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引用次数: 0
APLIKASI ‘URF DALAM EKONOMI ISLAM
Pub Date : 2022-06-22 DOI: 10.52490/attijarah.v4i1.285
Wahyu Syarvina, Sudirman Suparmin, Tuti Anggraini
Urf is a habit that has been practiced by society and is considered good, it can be in the form of words or actions that do not violate Islamic law. Many behaviors or habits in people's lives have become traditions in everyday life. The tradition can be in the form of words or actions of general application. This study used qualitative research methods. Qualitative method is a method with understanding and extracting meaning to what happens to various individuals or groups, originating from humanitarian or social problems. While the type of research used in this research is library research. Based on the results of the analysis, it was found that the application of 'urf in Islamic economics includes activities or buying and selling greetings, bay al wafa contracts, providing guarantees for the purchase of electronic goods, handovers in foreign exchange transactions (taqabuth).
Urf是一种被社会实践并被认为是好的习惯,它可以以不违反伊斯兰法律的言语或行为的形式出现。人们生活中的许多行为或习惯已经成为日常生活中的传统。传统可以是普遍适用的语言或行动的形式。本研究采用定性研究方法。定性方法是从人道主义或社会问题出发,对发生在不同个人或群体身上的事情进行理解和提取意义的方法。而本研究中使用的研究类型是图书馆研究。根据分析结果发现,urf在伊斯兰经济学中的应用包括买卖问候的活动、海湾合同、为购买电子产品提供担保、外汇交易中的交接(taqabuth)。
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引用次数: 0
THE EXISTENCE OF ISLAMIC SHARIA AND SECURITY AS THE EFFORT FOR INVESTMENT INCREASING IN ACEH PROVINCE 伊斯兰教法的存在和安全作为亚齐省投资努力的增加
Pub Date : 2021-12-23 DOI: 10.52490/attijarah.v3i2.144
Eksistensi Dan, Ali Muhayatsyah
The Research tries  to identify the existence  factor of Islamic  sharia also the security  issue  that still constrain the invesment because  Aceh as the area  with conflict history of long term conflict. The existence of security  factor for  investor is the most important variable in investment climate because the investors expect that the security guarantee for investment sustainability in an area. Islamic Syari’ah is supposed as one of factor that Aceh goverment policy  in its  implementation  faced many problems itself  so that, it will become an obstacle in investment.Islamic Syari’ah not become as all the contrainst or obstacle in  investment. The initial and fisrt objective from Islamic syari’ah implementation is to implement and realize  the benefit of people in community and it was implemented in  Maqashid Asy-Syariah. Related with the investment that tightly related with maqashid Hifzul Al-Maal Principles (secure and keep the property well). Islamic Syari’ah  Existence is the sequence of security  existence as the manifestation  from  benefit  of the soul maintenence and care. Maqashid Asy-Syariah become   benchmark in Islamic syari’ah implementation  in Aceh could  be applied  and implemented in many policies program in all aspect especially in economy. By paying attention to the benefit of the security factor in Aceh, it will be created by itself because security and peace in muamalah is the goal of Islamic Sharia itself.
本研究试图找出伊斯兰教法的存在因素以及安全问题,这些问题仍然限制投资,因为亚齐是一个长期冲突的历史冲突地区。投资者安全因素的存在是投资环境中最重要的变量,因为投资者期望一个地区投资可持续性的安全保障。伊斯兰教法被认为是亚齐政府政策在实施过程中自身面临诸多问题的因素之一,因此,它将成为投资的障碍。伊斯兰教法并没有成为投资的全部阻力或障碍。伊斯兰教法实施的最初和首要目标是实施和实现社区人民的利益,这在Maqashid Asy-Syariah得到了实施。与maqashid Hifzul Al-Maal原则紧密相关的投资(安全并妥善保管财产)。伊斯兰教的存在是作为灵魂维护和关怀的利益表现的安全存在的顺序。Maqashid Asy-Syariah成为亚齐实施伊斯兰教法的标杆,可以在各个方面的许多政策方案中得到应用和实施,特别是在经济方面。通过关注亚齐安全因素的利益,它将自行创造,因为穆阿马拉的安全与和平是伊斯兰教法本身的目标。
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引用次数: 0
PENINGKATAN PRESTASI BELAJAR MATA PELAJARAN EKONOMI DENGAN PENERAPAN STRATEGI PEMBELAJARAN KOLABORASI 通过合作学习策略的应用提高经济学学习成绩
Pub Date : 2021-12-23 DOI: 10.52490/attijarah.v3i2.146
Asmaul Husna
The aims of this study are: (1) To find out whether the application of the collaborative learning model on the balance material and market structure can improve learning achievement in Economics in Class X IPA 2 students at SMA Negeri 5 Lhokseumawe in the 2017/2018 academic year, (2) To determine the influence of motivation studying Economics after the implementation of the Collaborative Learning Strategy for students of class X IPA 2 at SMA Negeri 5 Lhokseumawe in the 2017/2018 academic year. This research includes classroom action research with a total of 3 cycles and each cycle goes through the stages of planning, implementing, observing, reflecting and evaluating. The research subjects were students of class X-IPA 2 SMA Negeri 5 Lhokseumawe. Data analysis was carried out by: reducing data, presenting data, and drawing conclusions and verification. The data analyzed are teacher activities, student activities, and student learning outcomes. Based on the results of the research that has been presented for three cycles, the results of all the discussions and analyzes that have been carried out can be concluded as follows: (1) The application of collaborative learning has a positive effect, which can increase students' motivation, interest, and learning achievement. (2) The collaborative learning method has a positive impact on improving student achievement by increasing student learning mastery in each cycle, namely cycle I (17 students = 60.71%), cycle II (23 students = 82.14%), cycle III (26 students = 92.26%). (3) Students can work independently or in groups, and are able to take responsibility for all individual and group assignments. (4) Collaborative learning methods can improve the quality of Economics learning.
本研究的目的是:(1)找出是否合作学习模式的应用物质平衡和市场结构可以提高学习成绩在经济学类X IPA 2学生SMA Negeri 5 Lhokseumawe 2017/2018学年,(2)确定动力学习经济学的影响后的学生协作学习策略的实现类X IPA 2在SMA Negeri 5 Lhokseumawe 2017/2018学年。本研究包括课堂行动研究,共3个周期,每个周期经历计划、实施、观察、反思和评价阶段。研究对象为X-IPA 2 SMA Negeri 5 Lhokseumawe班的学生。数据分析的步骤是:减少数据、呈现数据、得出结论和验证。分析的数据是教师活动、学生活动和学生学习成果。根据三个周期的研究结果,所有讨论和分析的结果可以得出以下结论:(1)协作学习的应用具有积极的效果,可以提高学生的学习动机、兴趣和学习成果。(2)协作学习方式对学生成绩的提高有积极的影响,在每个周期中,即第1周期(17人= 60.71%)、第2周期(23人= 82.14%)、第3周期(26人= 92.26%),都提高了学生的学习掌握程度。(3)学生可以独立或小组作业,并能够承担所有个人和小组作业。(4)协作学习方法可以提高经济学学习质量。
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引用次数: 0
PENYALURAN DANA BUMG GAMPONG MATANG TUNONG LAPANG DALAM MENINGKATKAN PENDAPATAN MASYARAKAT PERSPEKTIF MANAJEMEN KEUANGAN SYARIAH 班恩的资金用于增加社会收入的伊斯兰金融管理观点
Pub Date : 2021-12-23 DOI: 10.52490/attijarah.v3i2.139
Y. M. Yoesoef, Nina Tursina
Abstract This study aims to see how the mechanism for distributing village-owned enterprises funds in the village of Matang Tunong, Lapang District, in increasing the economic income of the community and how the distribution of these funds in the perspective of Islamic financial management. The research method used is descriptive qualitative with field studies, and data collection is done through interviews and observations. The results showed that the distribution of village-owned enterprise funds in the village of Matang Tunong which was distributed to the community was carried out in groups and according to sources obtained said the contract used was a murabahah contract. In addition, many people who take the funds are used for pond land management. Second, the implementation of the distribution of village-owned enterprise funds in the village of Matang Tunong for now has not been going well according to sharia financial management, besides that they are charged with a percentage of financing where loan repayments will increase if taken for a long time, so they cannot focus on So, according to Islamic financial management, the business that is run to be effective is done by looking at quality resources, planning work, analyzing environmental conditions and also monitoring or controlling.
摘要本研究旨在探讨拉邦区马塘图农村的村企资金分配机制如何在增加社区经济收入中发挥作用,以及伊斯兰金融管理视角下村企资金如何分配。使用的研究方法是描述性定性与实地研究,数据收集是通过访谈和观察。结果表明,在马唐图农村,分配给社区的村属企业资金是分组进行的,根据获得的消息来源称,所使用的合同是murabahah合同。另外,很多拿钱的人都用于池塘土地的管理。第二,目前在马塘图农村实施的村属企业资金分配并没有按照伊斯兰教的财务管理进行得很好,除此之外,他们要收取一定比例的融资,如果长期贷款还款会增加,所以他们不能集中精力。因此,根据伊斯兰教的财务管理,经营的业务是通过查看优质资源,规划工作,分析环境条件并进行监测或控制。
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引用次数: 0
PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH: ANALISIS DI BANK SYARIAH INDONESIA KCP MUARA BULIAN
Pub Date : 2021-12-23 DOI: 10.52490/attijarah.v3i2.141
E. Siregar, Suchi Soumi, A. Malik
This research aims to determine the role of Islamic banking financing in improving the ummah's economic level, including MSME financing, and the obstacles faced by MSMEs in the micro-business financing application process. This type of research is qualitative, with data collection techniques through interviews, observations, and documentation. The result of this research is that the financing of Islamic banking micro-businesses against MSMEs is carried out by providing a form of services in the form of microfinance to customers who have been recorded at Bank Syariah Indonesia of Muara Bulian, then continued with the stages of training and extension activities facilitated directly by Islamic banks. The obstacles customers face when applying for microfinance are the number of customers who have not met the technical requirements of Islamic banking, such as limited guarantees and income that fluctuates, resulting in the emergence of problematic financing.
本研究旨在确定伊斯兰银行融资对提高人民经济水平的作用,包括中小微企业融资,以及中小微企业在小额企业融资申请过程中面临的障碍。这种类型的研究是定性的,通过访谈,观察和文件收集数据技术。这项研究的结果是,通过向在Muara Bulian的印度尼西亚伊斯兰银行登记的客户提供小额信贷形式的服务,伊斯兰银行为中小微企业提供小额信贷融资,然后继续进行由伊斯兰银行直接促进的培训和推广活动阶段。客户在申请小额信贷时面临的障碍是,许多客户没有达到伊斯兰银行的技术要求,例如担保有限和收入波动,导致出现融资问题。
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引用次数: 1
MANAJEMEN SUMBER DAYA MANUSIA DALAM KEWIRAUSAHAAN 人力资源管理的企业家精神
Pub Date : 2021-12-23 DOI: 10.52490/attijarah.v3i2.140
Erliyanti, Yurmaini
Human resource management is defined as; planning, organising, mobilizing and supervising the procurement, development, compensation, integration, maintenance and termination of employment with a view to achieving the company's organizational goals in an integrated manner. This study is shown to determine the concept of human resources in entrepreneurship. The research method used is a qualitative method through a descriptive approach. Methods of data collection and research were carried out through various sources, namely literature review and related books. Based on the results of the analysis, it was found that HR Management in Entrepreneurship includes; Human Resource Management Concept; Rationalization of Human Resource Management; and Human Resource Management Process.
人力资源管理的定义为;计划、组织、动员和监督采购、发展、薪酬、整合、维持和终止雇佣,以综合方式实现公司的组织目标。本研究旨在确定创业中人力资源的概念。使用的研究方法是通过描述性的方法进行定性研究。数据收集和研究的方法是通过文献综述和相关书籍等多种渠道进行的。根据分析结果,发现创业中的人力资源管理包括;人力资源管理理念;人力资源管理的合理化研究人力资源管理流程。
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引用次数: 0
ZAKAT DAN KEADILAN SOSIAL: ANALISIS TERHADAP KITAB AL-AMWAL KARANGAN ABU UBAID
Pub Date : 2021-06-20 DOI: 10.52490/at-tijarah.v3i1.1160
M. S. Nasution, Ramadhan Razali
This research discusses the concept of zakat in Abu Ubaid's Kitab Al-Amwal. The purpose of this study is to analyze the existence of social justice in zakat. The research method that I use is a qualitative method with a literature review method. The result of this research is that zakat according to Abu Ubaid has esoteric values of social justice. Zakat instruments can alleviate poverty and stabilize state finances. To create social justice, the zakat instrument provides space for those in need. The space is not only a treasure. But also capital that can be used to start a business. In addition, in order to optimize zakat, the government must take part in maximizing the potential of zakat.
本研究探讨阿布·欧拜德的《安华》中天课的概念。本研究的目的在于分析天课中社会正义的存在。我使用的研究方法是定性法和文献综述法。这项研究的结果是,根据阿布·乌拜德的说法,天课具有深奥的社会正义价值。天课工具可以减轻贫困,稳定国家财政。为了创造社会正义,天课为那些有需要的人提供了空间。空间不仅是一个宝藏。同时也是可以用来创业的资金。此外,为了优化天课,政府必须参与最大限度地发挥天课的潜力。
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引用次数: 1
ANALISIS FAKTOR-FAKTOR PREFERENSI MAHASISWA MENABUNG DI PERBANKAN SYARIAH 分析伊斯兰银行储蓄学生偏好因素
Pub Date : 2021-06-20 DOI: 10.52490/at-tijarah.v3i1.1141
Marliah Maulina, I. Ismaulina
The development of the Islamic economy began to attract the world's attention through the systems and principles and concepts of Islamic banking which are often referred to as the Islamic Banking System. This study aims to analyze the effect of the level of trust, knowledge, and the level of banking services on the preferences of students of the Islamic Economics and Business Faculty of IAIN Lhokseumawe on saving in Islamic banking. The research was conducted using quantitative methods. Sampling using the Slovin formula involving 67 students as respondents. The results of data processing with multiple linear regression testing concluded that the t test for the level of trust (X1) and service (X3) had no effect on students 'saving preferences, while Knowledge (X2) partially had a positive and significant effect on students' saving preferences. Furthermore, the simultaneous test for the three variables above does not have a positive and significant effect on student saving preferences, this is as seen in the F test table.
通过伊斯兰银行的制度、原则和概念,伊斯兰经济的发展开始引起世界的关注,这些制度和原则和概念通常被称为伊斯兰银行体系。本研究旨在分析信任水平、知识水平和银行服务水平对IAIN Lhokseumawe伊斯兰经济与商业学院学生在伊斯兰银行储蓄偏好的影响。本研究采用定量方法进行。抽样采用斯洛文公式,涉及67名学生作为调查对象。多元线性回归检验的数据处理结果表明,信任水平(X1)和服务水平(X3)的t检验对学生储蓄偏好没有影响,而知识水平(X2)对学生储蓄偏好有部分正向显著影响。此外,对上述三个变量同时进行检验,对学生储蓄偏好并没有显著的正向影响,如F检验表所示。
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引用次数: 0
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AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
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