LABATILA : Jurnal Ilmu Ekonomi Islam

Pinjaman Keuangan: Analisis Akad Pembiayaan Multiguna dengan Agunan SK PNS di Bank Aceh Syariah

Junaidi Junaidi — Thu, 21 Dec 2023 03:21:57 +0700

Financial loans provided by banks to Civil Servants (Pegawai Negeri Sipil) are one of the banking products offered by both conventional and Islamic banks. Bank Aceh Syariah, in meeting the needs of these loans, offers a financial product with a murabahah scheme (profit-sharing) but with the condition that the PNS appointment letter serves as collateral. Therefore, this article aims to explore and analyze the contract used in financial loans with the appointment letter as collateral. The research method used in this study is qualitative and descriptive, with two sources of data: primary data and secondary data. Primary data was obtained from interviews with three customers of Bank Aceh Syariah Capem Rimo Gunung Meriah Aceh Singkil, while secondary data was obtained from books, journal articles, and relevant internet sources. The findings of this study reveal that financing undertaken by Civil Servants at Islamic Financial Institutions (Lelmbaga Keuangan Syariah) is a common practice, and Bank Aceh Syariah has provided access with various contracts, namely murabahah, ijarah, and musyarakah mutanaqisah. The practice followed at Bank Aceh Syariah Capem Rimo Gunung Meriah Aceh Singkil requires the appointment letter as collateral (marhun). According to the fiqh book as a basis for reference in Islamic Financial Institutions (LKS), collateral must be in the form of goods or negotiable instruments that can be traded. Therefore, from this perspective, an appointment letter cannot be considered as collateral (marhun).

Kontribusi JPZISNU Terhadap Pemberdayaan Ekonomi Masyarakat 16C Metro Barat

Dinda Salsa Bila, Wulan Indriana Sari, Lilis Renfiana — Thu, 21 Dec 2023 03:36:03 +0700

Zakat merupakan memberikan kepada seseorang apa yang menjadi haknya disebut dengan, dan merupakan salah satu alat yang digunakan masyarakat untuk mencapai pemberdayaan ekonomi. Lebih jauh lagi, tuntutannya adalah pada keseimbangan ekonomi, bukan pada konsentrasi kekayaan di antara kelompok tertentu. Sebagai Jaringan Pengelola Zakat Infaq dan sodaqoh, JPZIANU harus memberdayakan masyarakat untuk memastikan upaya pengentasan kemiskinan berhasil sehingga dapat terwujud di masyarakat. Penelitian ini menggunakan metodologi kualitatif yang melibatkan analisis data yang dikumpulkan dari wawancara di JPZISNU. Selain wawancara, menggunakan metode observasi dan dokumentasi. Setelah dikumpulkan, data diolah dan dilakukan analisis deskriptif kualitatif. Temuan penelitian menunjukkan bahwa inisiatif pengentasan kemiskinan yang dilakukan JPZISNU di Kecamatan Metro Barat dinilai telah memberikan dampak yang signifikan karena dalam rangka melakukan pemberdayaan masyarakat, organisasi tersebut bekerja sama dengan pamong setempat dan lembaga NU yang memiliki pengalaman dan jangkauan yang luas

Analisis Pemahaman Sertifikasi Halal pada Usaha Mikro Kecil dan Menengah (UMKM)

Dara Istia Aisyah, Fidhya Nurmalia, Nisrina Athiyyah Nur Azizah, Lina Marlina — Thu, 21 Dec 2023 03:36:33 +0700

This research aims to analyze the understanding of halal certification in micro, small and medium enterprises (MSMEs). This research was conducted using a qualitative descriptive approach. Data collection was carried out using observation, interviews and documentation techniques from related sources. Respondents were 15 MSMEs by distributing questionnaires directly. Of the total number of respondents, 33.3% or 5 people understood halal certification and 66.7% or 10 people still did not understand. The results of this research show that understanding of halal certification in Ceungceum Village is still relatively low due to the lack of outreach activities. The government's role is needed to increase understanding of MSMEs by organizing outreach activities and assistance to make it easier to obtain halal certification in the village.

Perilaku Impulsive Buying Gen-Z dalam Perspektif Etika Bisnis Islam

Aminah Aminah, Lisa Nurhasanah — Thu, 21 Dec 2023 03:36:58 +0700

Globalization is currently influencing people's consumption behavior. Society's tendency is towards irrational consumption behavior, namely impulsive buying. With the rapid development of internet technology, Generation-Z's shopping patterns have changed from initially shopping in stores to shopping online in marketplaces. This research aims to analyze impulsive buying consumption behavior and review Islamic business ethics on impulse buying consumption behavior carried out by generation-Z in the marketplace. With this type of field research and using quantitative methods, the data collection technique used is a survey by distributing questionnaires to 399 respondents in Cirebon district which is the sample in this research. The analysis method used is descriptive and tabulation. The results of this research show that the impulsive buying behavior carried out by the Z generation in Cirebon Regency is included in the suggestion impulsive buying type which is influenced by external factors, namely reviews or assessments of the product they want to buy. Apart from these external factors, impulsive buying behavior is also influenced by internal factors, including promotions; attractive product visuals; discount; and free shipping. Generation-Z's impulsive buying behavior from the perspective of Islamic business ethics has not been carried out optimally, especially from the principle of "responsibility". This is because most respondents have hit and run or canceled orders.

Analisis Potensi Mahasiswa untuk Mengembangkan Peran Sebagai Amil Zakat

Nur Muhammad Habaib, Rosyida Nur Fadhilah, Lilis Renfiana — Thu, 21 Dec 2023 03:37:16 +0700

This study aims to determine the capacity of Esy IAIN Metro students class of 2021 in improving their role as amil zakat. The background of this research is based on the need to know the level of understanding and readiness of students in fulfilling their responsibilities as amil zakat. This research utilizes qualitative methodology, specifically by using the case study method. This research was conducted by conducting in-depth interviews, participatory observation, and analyzing the information collected. The results showed that students have a good understanding of the meaning of amil zakat, although they still need improvement in their knowledge and practical implementation. Strategies are needed to foster practical skills and awareness in the higher education environment using a comprehensive approach. It is hoped that this research will be useful to build a foundation for the creation of programs that assist Esy IAIN Metro students in fulfilling their responsibilities as amil zakat

Analisis Minat UMK di Pasar Kuliner Alun-Alun Dadaha Tasikmalaya Terhadap Program Sertifikasi Halal Gratis Self Declare

Revina Maulidia, Asep Wildan, Gita Guntari — Thu, 21 Dec 2023 03:37:48 +0700

Based on Article 4 of Law Number 33 of 2014 concerning the Obligation of Halal Certification for MSMEs, MSMEs are one of the targets for Halal certification by the government. This is the government's effort to achieve Indonesia's goal of becoming the center of the world's halal industry and world fashion by 2024. Even though there are many small and medium businesses in Tasikmalaya, it seems that there has been no acceleration of halal certification for small and medium businesses. This is proven by the large number of still small and medium businesses that do not yet have halal certification, even though a free halal certification program has been implemented for the business actors themselves. This may be caused by a lack of information and understanding about halal certification among economic actors, especially in Tasikmalaya. The aim of this research is to find out how interested micro business actors in the Dadaha Square culinary market in Tasikmalaya City are towards the Free Halal Certification Program (SEHATI). This study used descriptive qualitative method. The aim of this research is to focus on Halal certification by collecting data through observation, interviews and recording techniques. The results of this research show that there is a lot of active interest in the free halal certification program carried out by small and medium businesses in the Alun Alun Dadah Tasikmalaya culinary market. Interest in the SEHATI program is influenced by internal factors such as 1) understanding of regulations, 2) knowledge of the SEHATI program, and 3) mindset of business world stakeholders. External factors are 1) government regulations, 2) Fulfillment of consumer rights and finally 3) Business development.