Al-Amwal

MITIGATING FINANCIAL LITERACY AND MSMEs PERFORMANCE: A COMPARISON WITH ISLAMIC FINANCIAL LITERACY IN INDONESIAN

2024-12-30T12:56:22+00:00

This research is related to comparing financial literacy towards MSMEs with Islamic financial literacy towards MSMEs. Furthermore, it describes the composition of MSMEs in Indonesia based on financial potential and employment. The sample used was 211 from Pekanbaru city. Where the majority of MSME actors are women, less than 25 years old, university graduates, employment below 5 people and sales turnover ranging from 5 million rupiah to 10 million rupiah every month. The analysis method uses PLS-SEM with the tool Smart PLS 3. Where financial literacy on MSMEs performance is represented by financial behavior, financial knowledge and financial attitude variables. Where each variable has a significant effect and positive correlation. Meanwhile, Islamic financial literacy on the performance of MSMEs is represented by variables of financial behavior, financial attitude, financial skills and financial awareness which have a significant effect with a positive correlation except financial awareness which is negatively correlated. Meanwhile, the financial knowledge variable in Islamic financial literacy is positively correlated but has no significant effect on the performance of MSMEs in Indonesia.

THE EFFECT OF BENGKALIS REGENCY EXPENDITURE REALIZATION ON I-HDI: MAQHASID SHARIA HIFIDZUN AQL APPROACH

2024-12-30T12:56:22+00:00

This study aims to see the effect of the realization of government expenditure in Bengkalis Regency on the increase in the Islamic Human Development Index in the Maqashid Syariah Hifdzun Aql approach in the 2006-2022 period. This study also looks at the trend of each variable in the study. The type of research used in this study is the quantitative analysis method, which is a data analysis method used to see the available data by comparing the changes that occur. With secondary data obtained from the Directorate General of Taxes of the Ministry of Finance and BPS Bengkalis Regency. The data was processed using E-Views 12. Based on the results of this study, the variables of expenditure in the infrastructure sector, the education sector and the health sector have a positive and significant influence on the increase in the al aql index in Bengkalis district, while the variable of expenditure realization in the economic sector of the Bengkalis district government has a negative and insignificant influence on increasing the al aql index in Bengkalis district. This research is expected to be able to provide benefits for the Bengkalis Regency government in increasing the Islamic Human Development Index (I-HDI), especially in increasing the maqashid sharia hifdzun aql.

BANKING DURING THE COVID-19 PANDEMIC IN INDONESIA: EFFECTIVENESS BETWEEN BPR AND SHARIA BPR

2024-12-30T12:56:22+00:00

This study aims to determine the factors that affect banking profitability during Covid-19 in Indonesia in the 2020-2022 period using financial ratios. The financial ratios used consist of BOPO Efficiency Ratio (REO), Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL) or Non-Performing Financing (NPF) to Return on Assets (ROA) in BPR and BPR Syariah in Indonesia. The analysis was carried out using quarterly time series data published by the Financial Services Authority. This study uses a multiple linear regression analysis method using SPSS version 23 software.

The results showed that REO, CAR, and NPL simultaneously had no effect on BPR ROA, while the results showed that REO, CAR, and NPF simultaneously affected Sharia BPR ROA. REO partially has a negative and significant effect on ROA BPR, CAR and NPL have no effect on BPR ROA. While REO partially has a negative and significant effect on the ROA of Sharia BPR, CAR and NPF partially have a positive and significant effect on the ROA of Sharia BPR.

ANALYSIS OF INTERNET UTILISATION BY HOUSEHOLDS FOR PRODUCTIVE FAMILY ECONOMIC ACTIVITIES IN THE PERSPECTIVE OF ISLAMIC ECONOMICS: CASE STUDY IN MEDAN CITY

2024-12-30T12:56:22+00:00

This research analyzes the use of the internet by Muslim households in Medan City to support productive family economic activities from an Islamic economic perspective. Internet penetration is 79.65% in Medan City with internet use in households predominantly for entertainment. This study also explores the opportunities and challenges of utilizing the internet for more productive activities, especially sharia-based online business and online education. The qualitative approach in this research was a survey of 70 Muslim families in Medan City. The research results show that although 72% of respondents are aware of the internet's potential in improving the family economy, only 31% agree that the internet has been used optimally for productive activities. The main obstacles found were a lack of online business training (60% of respondents) and limited access to stable digital infrastructure. However, there is a strong desire from 90% of respondents to increase sharia-based digital literacy, with the hope that the internet can be used more productively in accordance with sharia principles. This research also highlights the importance of government and private sector support in increasing digital literacy and providing adequate infrastructure, so that the internet can be used to support productive economic activities in accordance with Islamic economic principles. The findings of this research confirm that sharia-based internet use can be the key to driving a fair and sustainable family economy.

DETERMINING FACTORS OF MUSLIM PUBLIC INTEREST IN INFAQ AND SHADAQAH PAYMENT METHODS THROUGH QRIS CODE : CASE STUDY IN AR RAHMAN PARIPURNA AGUNG MOSQUE PEKANBARU

2024-12-30T12:56:22+00:00

This study aims to determine the effect of Convenience, Usefulness and Attitude Factors on the interest of pilgrims using the Quick Response Code Indonesian Standard (QRIS). This study uses four independent variables, namely the variable Ease (X1), Benefits (X2), Attitude Factor (X3) and the dependent variable, namely the variable Interest (Y). This study uses a type of quantitative research. The sample used in this study was 40 congregations. The data collection technique used the questionnaire method in the form of written statements which were distributed to the congregation of the mosque, using the minimum sample technique. Data analysis was performed by processing data using SPSS Statistics V.23. Furthermore, data analysis using validity, reliability, classical assumption test, simple regression analysis, and hypothesis testing using the coefficient of determination test (R2), t test and F test. Based on the results of the study, it can be concluded that simultaneously and partially there is no significant effect the magnitude of the three independent variables on the dependent variable is only 9.3 while the remaining 90.7 is influenced by other factors outside of the study. After doing the t test of convenience (X1) where tcount(-1,138) < ttable (2.024) and a significant probability value of 0.263 > sig 0.05, Benefit (X2) tcount (-1,048) < ttable (2.024) and a significant probability value of 0.302 > sig 0.05 and Attitude Factor (X3) tcount (-1,508) < ttable (2.024) and a significant probability value of 0.140 > sig 0.05, while the multiple linear regression equation is as follows: Y = 22,558 - 0.206 - 0.127 + 0.212.

PEMBERDAYAAN EKONOMI MASYARAKAT MELALUI USAHA KERAMBA IKAN DALAM PERSPEKTIF EKONOMI SYARIAH DI DESA MERANGIN

2024-12-30T12:56:22+00:00

Pemberdayaan masyarakat adalah suatu usaha yang dilakukan oleh masyarakat untuk mendorong, memotivasi, dan mengembangkan kesadaran akan potensi yang dimiliki oleh individu-individu dalam masyarakat atau potensi yang ada dalam lingkungan serta berupaya untuk mengembangkannya. Tujuan penelitian ini adalah untuk mengetahui pemberdayaan ekonomi masyarakat melalui usaha keramba ikan dalam perspektif ekonomi syariah di Desa Merangin. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Teknik analisis data yang digunakan adalah deskriptif kualitatif.

Hasil penelitian ini menunjukkan: 1) Usaha keramba ikan dapat meningkatkan pendapatan dan kesejahteraan masyarakat di sekitar PLTA Koto Panjang Desa Merangin. Dengan harga ikan Nila yang lebih cenderung stabil di pasaran, masyarakat dapat meningkatkan kesejahteraan ekonomi keluarga secara mandiri sehingga mereka dapat memenuhi kebutuhan sandang, pangan dan papan, 2) Para pelaku usaha keramba ikan di sekitar di sekitar PLTA Koto Panjang Desa Merangin Kecamatan Kuok Kabupaten Kampar dalam menjalankan usahanya menggunakan modal pribadi, tidak menjalin sistem kerjasama bagi hasil dengan pemodal, 3) Ketidakseimbangan harga jual ikan antara produsen dengan supplier menjadi salah-satu hambatan bagi para pelaku usaha keramba ikan di Desa Merangin. Dalam prinsip ekonomi Islam, penting untuk menciptakan keadilan dan kebersamaan dalam transaksi ekonomi serta menghindari praktik yang dapat menyebabkan ketidakadilan, 4) Pemberdayaan ekonomi masyarakat di Desa Merangin belum mengikuti prinsip-prinsip ekonomi Islam yang menekankan perlakuan yang adil, pentingnya saling bantu-membantu dalam memenuhi kebutuhan hidup agar dapat mengatasi masalah kesejahteraan ekonomi keluarga.

STRATEGI PEMASARAN MENURUT PERSPEKTIF EKONOMI ISLAM: ROTTE BAKERY MENGHADAPI PERSAINGAN USAHA

2024-12-30T12:56:22+00:00

Awalnya usaha Rotte Bakery adalah salah satu industri roti yang ada di Kota Pekanbaru, berdiri pada tanggal 8 Januari 2016, yang didirikan oleh Bapak Syafrizal di Jl Bukit Barisan. Seiring dengan perkembangan zaman persaingan usaha terus meningkat, saat ini semakin banyak industri roti yang berdiri di kota Pekanbaru hingga merambah ke Kota Duri. Untuk menghadapi persaingan usaha Rotte Bakery perlu meningkatkan penjualan produk dengan strategi pemasaran yang efektif.

Tujuan dalam penelitian ini adalah melihat bagaimana strategi pemasaran Rotte Bakery di kota Duri dalam menghadapi persaingan usaha dan bagaimana perspektif ekonomi Islam terhadap strategi pemasaran Rotte Bakery di kota Duri. Adapun yang menjadi metode dalam pengumpulan data adalah observasi, wawancara, dan dokumentasi. Sedangkan teknik analisis data yang digunakan adalah kualitatif dengan pendekatan deskriptif.

Berdasarkan hasil penelitian menunjukkan bahwa strategi pemasaran yang diterapkan Rotte Bakery di kota Duri adalah dengan menerapkan segmentasi pasar, targeting, positioning dan bauran pemasaran (marketing mix) 4P yang terdiri dari strategi produk, harga, tempat dan promosi. Tinjauan perspektif ekonomi Islam terhadap strategi pemasaran Rotte Bakery di kota Duri sesuai dengan strategi pemasaran islami, karena Rotte Bakery merupakan usaha roti berbasis syariah (keagamaan) yang mengkombinasikan usaha mereka dengan praktik pemasaran dan sifat Nabi Muhammad SAW yakni Shiddiq (jujur), Amanah (dapat dipercaya), Fathanah (cerdas), dan Tabligh (komunikatif) sehingga usaha yang dijalankan mendapat ridha dan berkah dari Allah SWT.