Jurnal Az Zahra: Jurnal Ekonomi dan Bisnis Islam

KEBIJAKAN BIDANG EKONOMI PEMDA KOTA METRO TERHADAP PENGELOLAAN LOKASI USAHA DI NUWO INTAN KOTA METRO TAHUN 2018

Alfaridzi Al Fathis — 2023-08-13

The gap that occurs between human interests and
the limited amount of land causes collisions and land
problems. Population growth will continue to increase
slowly. The increase in population that occurs has
consequences for the demand for land needs as settlements,
industry, infrastructure, and services. Areas that are
considered potential for development tend to be more
intensive when compared to areas that lack resources to be
developed. The characteristics and quantity of land is a
critical understanding of the economic benefits of land
where economic activity develops is the interest of the
community to mobilize.
This study aims to find out about what factors affect the
increase in land prices due to the development of Raman
Dam tourism in the Metro. This type of research is field
research, while the nature of this research is qualitative
descriptive with data collection techniques using interview
and documentation methods. All data obtained are
analyzed inductively.
The results obtained from this study are that the physical
characteristics of a plot of land there are several factors that
significantly affect the price of land located near Raman
Dam including physical characteristics of land,
accessibility, land use status stated in the land certificate,
as well as the availability of public facilities and public
security. The existence of Raman Dam tourism is the main
indicator of socio-economic development which has an
impact on the need for land parcels to increase enough,
causing land prices to increase. Increasing the accessibility
of road conditions and the distance to Raman Dam greatly
determines the increase in land price.

UPAYA ISTRI DALAM MENINGKATKAN EKONOMI KELUARGA DITINJAU DARI EKONOMI SYARIAH (Study Kasus Di Desa Mekar Mulyo Kecamatan Sekampung)

Redian Ari Nugraha — 2023-08-13

Women or adult women are daughters (adults).
Women are women (more subtle), while women are as
opposed to the male sex. The word woman comes from
Sanskrit meaning desired, praised. Women's participation
in the world of work has contributed greatly to family
welfare, especially in the economic sector. There are 6
factors that cause women to enter the workforce, namely:
First. Educational opportunities are open to men or
women. Second. Women as the main breadwinner. Third.
The necessity of women to work to increase the income of
their husbands. Fourth. The woman whose husband died.
Fifth. The woman who was divorced by her husband.
Sixth. Women who become mothers at a young age
without husbands.
The purpose of the study was to determine the role of wives
in efforts to improve the family economy in terms of the
Shari'ah economy and to find out what factors affect the
role of wives in efforts to improve the family economy.
Positive impact with the existence of Home Industry
Krupuk Galang.
With the existence of the Krupuk Galang Home Industry
in Mekarmulyo Village, it can improve the economy of
underprivileged families, before they work their family
income in one month is less than Rp. 1000,000 after
working the income obtained is currently approximately
Rp. 1,500,000, so that they can increase their daily needs
by working there can also help prosper and maintain the
integrity of their household
The positive impacts of the Krupuk Galang Home Industry
are: opening job opportunities, reducing unemployment,
improving the household economy, prospering and
maintaining family integrity, encouraging the people of
Mekarmulyo Village to think more forward

PENGARUH PEMBERIAN BANTUAN SAPI PERAH TERHADAP PENINGKATAN PEREKONOMIAN KELUARGA (Studi Kasus Di Kelurahan 28 Purwoasri Metro Utara)

CATUR FUDJI RAHAYU — 2023-08-13

In Kelurahan 28 Purwoasri Metro Utara there is a
group of people who develop Lembu Poang dairy cows
which are the object of research. The group received
assistance from dairy cows provided by the city
government, and was accompanied by the Metro City
Peterakan office.This type of research is field research
conducted in Kelurahan 28 Purwoasri Metro Utara. The
nature of the research conducted is descriptive qualitative,
the data collection methods used are free guided
interviews, observation, and documentation. Interviews
were conducted with the Lembu Poang Dairy Farmer
Group and the Metro City Livestock Office. Data analysis
uses qualitative analysis techniques with inductive
thinking patterns.
Based on the results of the research conducted by the
researchers, it can be seen that the Effect of Providing
Dairy Cattle Assistance on Improving the Family
Economy in Kelurahan 28 Purwoasri Metro Utara, Based
on the analysis of chapter 4 it is concluded that, the results
of the provision of dairy cow assistance in Kelurahan 28
Purwoasri Metro Utara, cause an increase in Family
Economic Improvement such as: Employment, Before
getting assistance from dairy cows the community in
Kelurahan 28 Purwoasri Metro North is as a farmer and
farm laborer, but since receiving the help of dairy cows
from the Metro city government, now people can
supplement their income from the sale of dairy milk
derived from these dairy cows. Education, In terms of
community education in kelurahan 28 Purwoasri Metro
Utara, now it is better for people who were originally only
junior secondary graduates.

EFEKTIVITAS PENGELOLAAN DANA DESA DALAM MENINGKATKAN PEMBANGUNAN DESA MENURUT PERSPEKTIF EKONOMI ISLAM (STUDI KASUS DESA SIDOHARJO KECAMATAN JATI AGUNG LAMPUNG SELATAN)

Sugesti Firayanti — 2023-08-13

Penelitian ini bertujuan untuk mengetahui efektivitas
pengelolaan dana desa dalam meningkatkan pembangunan desa,
faktor penghambat dalam pembangunan desa, dan pembangunan
desa dalam perspektif ekonomi islam. Metodologi penelitian yang
digunakan adalah penelitian kualitatif. Teknik pengumpulan data
dengan metode observasi, wawancara, dan dokumentasi. Hasil
penelitian ini yaitu Efektivitas Pengelolaan Dana Desa di desa
Peniangan sebesar 80,87%, termasuk dalam kategori cukup
efektif. Faktor-faktor yang menghambat efektivitas pengelolaan
dana desa dalam meningkatkan pembangunan desa diantaranya
pembebasan lahan warga, tiang listrik, pohon-pohon besar dan
kendala cuaca. Efektivitas pengelolaan dana desa dalam
meningkatkan pembangunan desa menurut perspektif ekonomi
islam ada lima pondasi pembangunan islam. Pembangunan islam
menjelaskan lima pondasi yaitu tauhid, khalifah, keadilan,
tazkiyyah dan al-falah. Pembangunan desa erat kaitannya dengan
ekonomi islam yang bisa dikaitkan dengan tauhid, yaitu
pembangunan yang dilakukan ditujukan untuk memenuhi
kebutuhan masyarakat desa untuk membantu masyarakat dalam
melakukan aktivitas. Khalifah erat kaitannya dengan
pembangunan yang dilakukan oleh desa dengan tujuan
kesejahteraan masyarakat termasuk kedalam fungsi manusia
sebagai khalifah. Keadilan erat kaitannya dengan pembangunan
yaitu Pembangunan yang dilakukan di Desa Sidoharjotidak hanya
berfokus pada satu dusun saja, melainkan di setiap dusun.
Tazkiyyah berkaitan dengan pembangunan yang dilakukan desa
sebagai tanggungjawab pemerintah desa yang telah diberikan
amanah oleh pemerintah pusat.Dan Al-Falah berkaitan dengan
keberhasilan yang sudah dicapai oleh desa karena telah berhasil
melakukan pembangunan yang membawa kepada kesejahteraan
masyarakat

IMPLEMENTASI PENGELOLAAN DANA DESA BUKIT RAYA KECAMATAN MARGA SEKAMPUNG LAMPUNG TIMUR

Muhammad Romli — 2023-08-13

Penelitian ini bertujuan untuk mengetahui
Implementasi Pengelolaan dana desa Bukit Raya Kecamatan
Marga Sekampung Lampung Timur. Metodologi penelitian yang
digunakan adalah penelitian kualitatif. Teknik pengumpulan data
dengan metode observasi, wawancara, dan dokumentasi. Hasil
penelitian ini yaitu Implementasi Pengelolaan Dana Desa di desa
Bukit Raya sebesar 80,87%, termasuk dalam kategori cukupbaik.
Faktor-faktor yang menghambat Implementasi pengelolaan dana
desa diantaranya pembebasan lahan warga, tiang listrik, pohonpohon besar dan kendala cuaca. Implementasi pengelolaan dana
desa dalam meningkatkan pembangunan desa menurut perspektif
ekonomi islam ada lima pondasi pembangunan islam.
Pembangunan islam menjelaskan lima pondasi yaitu tauhid,
khalifah, keadilan, tazkiyyah dan al-falah. Pembangunan desa erat
kaitannya dengan ekonomi islam yang bisa dikaitkan dengan
tauhid, yaitu pembangunan yang dilakukan ditujukan untuk
memenuhi kebutuhan masyarakat desa untuk membantu
masyarakat dalam melakukan aktivitas. Khalifah erat kaitannya
dengan pembangunan yang dilakukan oleh desa dengan tujuan
kesejahteraan masyarakat termasuk kedalam fungsi manusia
sebagai khalifah. Keadilan erat kaitannya dengan pembangunan
yaitu Pembangunan yang dilakukan di Desa Bukit Raya tidak
hanya berfokus pada satu dusun saja, melainkan di setiap dusun.
Tazkiyyah berkaitan dengan pembangunan yang dilakukan desa
sebagai tanggungjawab pemerintah desa yang telah diberikan
amanah oleh pemerintah pusat. Dan Al-Falah berkaitan dengan
keberhasilan yang sudah dicapai oleh desa karena telah berhasil
melakukan pembangunan yang membawa kepada kesejahteraan
masyarakat

PERILAKU KONSUMSI MASYARAKAT DALAM PERSPEKTIF ISLAM DI KELURAHAN SIDOMULYO LAMPUNG SELATAN

Marwan — 2023-08-13

Tujuan dari penelitian ini adalah untuk mengetahui
dan menganalisis bagaimana pandangan Islam terhadap
perilaku konsumsi Masyarakat di Kelurahan Sidomulyo
Lampung Selatan.Jenis penelitian ini tergolong penelitian
kualitatif dengan pendekatan penelitian yang digunakan
adalah pendekatan studi etnografis dan normatif. Kemudian
teknik pengolahan dan analisis yang digunakan adalah
reduksi data, penyajian data, dan penarikan kesimpulan.Hasil
penelitian ini menyimpulkan bahwa Perilaku konsumsi
masyarakat di Kelurahan Sidomulyo Lampung Selatan
tingkat ekonomi atas,untuk memenuhi kebutuhanya, sebagian
masyarakat masih belum menerapkan perilaku yang sesuai
dengan Islam, yaitu berperilaku tabzir (boros). Sedangkan
perilaku konsumsi masyarakat di Kelurahan Sidomulyo
Lampung Selatantingkat ekonomi menengah dan tingkat
ekonomi rendah dalam memenuhi seluruh kebutuhannya
sudah sangat baik. Karena telah mengkonsumsi sesuai etika
danprinsip konsumsi dalam Islam.

PENINGKATAN KESEJAHTERAAN SANTRI BERBASIS MANAJEMEN PENGELOLAAN WAKAFPRODUKTIF DI PESANTREN HIDAYATUL MUBTADIIN JATI AGUNG

M. Budi Baroqah — 2023-08-13

This study aims to determine the management of waqf
management carried out at the Hidayatul Mubtadiin Islamic
Boarding School and to analyze the productive waqf management
strategy in an effort to improve the welfare of the students at the
Hidayatul Mubtadiin Islamic Boarding School. This research is a
field research, with a descriptive qualitative research type whose
explanation uses a description of the problem being studied. Data
collection techniques by means of observation, interviews, and
documentation. The data analysis technique used is to carry out the
stages of data collection, data reduction, data presentation, and
examination of research conclusions. The results of this study
indicate that the management of productive waqf management at
the Hidayatul Mubtadiin Islamic Boarding School resulted ingood
development, many changes were produced after the management
of productive waqf. Management and development of productive
waqf is still not optimal, among others, caused by nadzir who is
less competent in managing and less capable in managing
productive waqf. The management of productive waqf management
is still not managed optimally, so it has not given a prominent effect
that is so pronounced in the changes in improving the welfare of
students.

ANALISIS PRAKTIK ZAKAT PERTANIAN PADA PETANI DESA PENIANGAN KECAMATAN MARGA SEKAMPUNG KABUPATEN LAMPUNG TIMUR

Dita Rosella — 2023-08-13

Penelitian ini bertujuan untuk mengetahui praktik zakat pertanian
pada petani Desa Peniangan Kecamatan Marga Sekampung Kabupaten
Lampung Timur, dengan analisa menggunakan teori ekonomi Islam. Jenis
penelitian ini adalah penelitian kualitatif deskriptif. Metode pengumpulan
data menggunakan observasi, wawancara dan dokumentasi. Teknik uji
keabsahan data menggunakan teknik triangulasi. Hasil penelitian ini
menunjukkan bahwa praktik zakat pertanian di desa ini telah terlaksana
meskipun belum maksimal. Petani mengeluarkan zakat pertanian berupa
tanaman padi saja dalam setahun sekali ke meunasah meskipun mengalami
panen dua kali. Di samping itu juga, ada perbedaan nisab dan takaran yang
digunakan. Dengan demikian, seharusnya adanya kebijakan yang lebih
tegas dari pihak-pihak yang bersangkutan sehingga di desa ini terbentuknya
Baitul Mal sebagaimana yang dicantumkan dalam Qanun Lampung sehingga
nisab serta takaran yang digunakan dapat seragam antara satu daerah dengan
daerah yang lain. Hal lainnya juga akan mempengaruhi pengumpulan dan
pendistribusian zakat pertanian menjadi lebih baik di desa ini.

IMPLEMENTASI WAKAF PRODUKTIF DALAM PERSPEKTIF EKONOMI SYARIAH (STUDI KASUS DI YAYASAN IBNI TAFDHILI KALIANDA LAMPUNG SELATAN)

Agus Syuhendar — 2023-08-13

Wakat produktif menjadi salah satu sumber daya yang
harus dikelola dengan baik. Pengelolaan wakaf produktif terkait
dengan faktor pengembangan dan penyaluran hasil pengelolaan
wakaf. Penelitian ini bertujuan untuk mengetahui Wakaf Produktif
Pada Yayasan Ibni Tafdhili Kalianda Lampung Selatan. Metode
penelitian ini menggunakan deskriptif kualitatif. Jenis penelitian
ini adalah penelitian lapangan (field Research), yaitu melakukan
penelitian tentang wakaf produktif dalam perspektif hukum
ekonomi syariah di Ibni Tafdhili Kalianda Lampung Selatan. Hasil
penelitian: (a) Implementasi pengelolaan wakaf produktif secara
umum telah dilakukan dengan baik sesuai dengan aturan yang
berlaku oleh pengurus Ibni Tafdhili Kalianda Lampung Selatan
disesuaikan dengan kebutuhan peruntukannya sudah memenuhi
empat Rukun wakaf dan syaratnya, walaupun demikian, wakaf
tersebut ada yang diberikan langsung maupun tidak langsung
kepada pengurus yayasan. (b) Konsep pelaksanaan wakaf
produktif di Ibni Tafdhili Kalianda Lampung Selatan sudah sesuai
perspektif ekonomi syariah dengan tidak adanya penimbunan
barang (Ihtikar), tidak melakukan monopoli, juga tidak melakukan
jual beli yang diharamkan agama dengan menggunakan harta/aset
wakaf. Wakaf produktif yang dimiliki yayasan dipergunakan
untuk pembangunan sarana dan kegiatan ibadah, pembangunan
sarana pendidikan, belum digunakan untuk bantuan kepada fakir
miskin, anak terlantar, santunan yatim piatu dan peningkatan
ekonomi dan kesejateraan masyarakat.

REALISASI DISTRIBUSI DANA WAKAF PRODUKTIF DI BMT MITRA DANA BAKTI SIDOMULYO LAMPUNG SELATAN

Fauzi Amri — 2023-08-13

Menurut hukum Islam, wakaf ialah memberikan
sebagian harta yang dimiliki dengan tujuan dan perjanjian
tertentu yang telah disepakati oleh pengelola wakaf dan
dimanfaatkan sesuai dengan aturan Islam, benda wakaf yang
diberikan harus bersifat tahan lama seperti tanah, uang dan
lainnya. Dalam penelitian ini, jenis penelitian yang digunakan
adalah metode penelitian kualitatif dengan pendekatan
deskripif analitis, yaitu penyajian data dalam bentuk tulisan
bukan bilangan atau angka statistik dan menerangkan apa
adanya sesuai dengan data yang diperoleh dari hasil
penelitian. Hasil penelitan menunjukan bahwa Terkait
realisasi distribusi dana wakaf uang BMT Dana Bakti
Sidomulyo Lampung Selatan diberikan kepada orang yang
membutuhkan dengan memiliki data orang yang berhak
mendapatkannya dan dengan adanya penyerahan proposal
dari cabang BMT Dana Bakti Sidomulyo Lampung Selatan
bagi lembaga pendidikan maupun pembangunan masjid dan
pembangunan mushalla. Dalam penyaluran dana wakaf
memiliki pembagian persentase, yaitu 20% disalurkan
untuk perekonomian berupa pembiayaan qard} al-ha} san,
25% disalurkan untuk pendidikan, 20% disalurkan untuk
kesehatan, 35% disalurkan untuk keagamaan dan sosial.
Distribusi dana wakaf uang BMT Dana Bakti Sidomulyo
Lampung Selatan berupa program penyaluran dana wakaf
yang sudah terlaksana semua, baik itu dalam bentuk
perekonomian, pendidikan, kesehatan, keagamaan, maupun
sosial. Program tersebut sudah disalurkan dengan baik serta
sangat membantu masyarakat sekitar BMT Dana Bakti
Sidomulyo Lampung Selatan. Wakaf uang yang diperoleh
BMT Dana Bakti Sidomulyo Lampung Selatan setiap tahunnya
terus bertambah, tetapi dalam penyaluran manfaatnya masih
kurang optimal.

MEMBANGUN ENTREPRENEURSHIP DALAM PERSPEKTIF EKONOMI SYARIAH

Abdi Dharmawan — 2023-08-13

penelitian yang digunakan adalah metode
penelitian kualitatif dengan pendekatan deskripif analitis,
yaitu penyajian data dalam bentuk tulisan bukan bilangan
atau angka statistik dan menerangkan apa adanya sesuai
dengan data yang diperoleh dari hasil penelitian.Hasil
penelitan menunjukan bahwa untuk membangun
kewirausahaan dalam perspektif ekonomi syariah adalah
menumbuhkan suatu karakter yang disiplin, mandiri, realistis,
komitmen, jujur, kreatif dan produktif untuk mewujudkan
suatu keuntungan yang dapat membawa keberkahan dan tetap
menjalani usahanya dengan memperhatikan kesimbangan
kehidupan dunia dan akhirat. Dengan adanya karakterkarakter tersebut akan memberikan dampak pada seorang
entrepreneur untuk selalu menjaga usahanya dengan baik
dan tidak melakukan suatu kegiatan usaha yang merugikan
orang lain, seperti menghancurkan usaha orang lain dengan
cara yang bathil. Sehingga nantinya akan mencapai tujuan
hidup, yaitu tujuan untuk mencapai fallah dan maslahah.
Artinya, seorang entrepreneur memikirkan keberuntungan
jangka panjang baik dunia dan akhirat serta tidak
memandang material saja tetapi juga menandang spiritual.
Dengan demikian, seorang entrepreneur akan merasakan
tercapai dan terpenuhinya kebutuhan hidup secara seimbang
antara dunia dan akhirat.Melihat dari pencapaian tujuan di
atas, dapat dipahami bahwa terdapat perbedaan antara
entrepreneurship konvensional dengan syariah dari berbagai
aspek, yaitu: 1) aspek motif, dimana pada pada
entrepreneurship konvesional adalah kebutuhan, sedangkan
entrepreneurship syariah adalah Al-Qur’an dan As-Sunnah, 2)
aspek kepemilikan harta,dimana pada pada entrepreneurship
konvesional adalah harta milik individu, sedangkan
entrepreneurship syariah adalah harta milik Allah SWT, 3)
aspek distribusi, dimana pada pada entrepreneurship
konvesional adalah philantropy, sedangkan entrepreneurship
syariah adalah infaq fi sabilillah,Untuk itu, agar spirit
Ekonomi Syariah tentang entrepreneurship semakin bisa
dipahami dengan baik, maka ke depan perlu terus dilakukan
kajian dan penelitian terkait entrepreneurship dalam prespekif
Ekonomi Syariah betul-betul diimplementasikan dengan baik
di tengah-tengah masyarakat.

MANAJEMEN DISTRIBUSI DANA WAKAF PRODUKTIF DI BMT FAJAR DI KALIANDA

Ahmad Galang Pradana — 2023-08-13

Harta wakaf harus dikelola dengan baik untuk
diambil manfaatnya dan digunakan untuk kemaslahatan umat
dari pada didiamkan, sehingga pahala yang diperoleh bisa
mengalir secaraterus menerus kepada pemberi wakaf. Dalam
penelitian ini, jenis penelitian yang digunakan adalah metode
penelitian kualitatif dengan pendekatan deskripif analitis,
yaitu penyajian data dalam bentuk tulisan bukan bilangan
atau angka statistik dan menerangkan apa adanya sesuai
dengan data yang diperoleh dari hasil penelitian.
Hasil penelitan menunjukan bahwa Terkait Manajemen
distribusi dana wakaf uang BMT Fajar diberikan kepada
orang yang membutuhkan dengan memiliki data orang yang
berhak mendapatkannya dan dengan adanya penyerahan
proposal dari cabang BMT Fajar bagi lembaga pendidikan
maupun pembangunan masjid dan pembangunan mushalla.
Dalam penyaluran dana wakaf memiliki pembagian
persentase, yaitu 20% disalurkan untuk perekonomian
berupa pembiayaan qard} al-ha} san, 25% disalurkan untuk
pendidikan, 20% disalurkan untuk kesehatan, 35% disalurkan
untuk keagamaan dan sosial. Distribusi dana wakaf uang
BMT Fajar berupa program penyaluran dana wakaf yang
sudah terlaksana semua, baik itu dalam bentuk perekonomian,
pendidikan, kesehatan, keagamaan, maupun sosial. Program
tersebut sudah disalurkan dengan baik serta sangat membantu
masyarakat sekitar BMT Fajar. Wakaf uang yang diperoleh
BMT Fajar setiap tahunnya terus bertambah, tetapi dalam
penyaluran manfaatnyamasih kurang optimal.

PEMBIAYAAN AKAD MUSYARAKAH MUTANAQISAH STUDI PADA BANK SYARIAH MANDIRI CABANG BANDAR JAYA

Muhammad Miftah Falah — 2023-08-13

Musyarakah mutanaqisah is a form of cooperation
(shirkah) between banks and customers to jointly include
investment funds in the purchase of an asset
(house/apartment/sarusun). The Bank will release or
reduce the portion of its ownership to the customer by
receiving profit sharing in the form of ujrah payments to
which it is entitled, so that the ownership of the asset fully
transfers to the customer at maturity. The portion of bank
ownership decreases or decreases due to gradual takeovers
by customers. Mortgage financing products with
musyarakah mutanaqisah (Public Housing Credit)
contracts are a product to provide convenience to have a
house occupancy to meet customer needs in accordance
with Islamic law.
This research includes field research, while the nature of
this research is qualitative descriptive. This study used
interview and documentation data collection techniques.
The interview was conducted with the Bandar Jaya branch
of Bank Syariah Mandiri, namely the staff of the mortgage
financing marketing section, Customer service and Branch
Operation and Service Manager, while the documentation
was taken from the archives of Bank Syariah Mandiri
Bandar Jaya Branch related to research. There are two
sources of data for this study, namely primary data sources
and secondary data sources. Primary data sources are data
sources obtained by researchers from original sources,
while secondary data sources are materials or data that
complement primary data sources. Based on the results of
research, the mortgage financing mechanism with a
musyarakah mutanaqisah contract applies 4 stages, namely
the Customer submits a mortgage application with a
musyarakah mutanaqisah contract to the Bank then
Shirkkah on the portion of house ownership between the
portion of the Bank and the portion of the customer, the
House (which is the portion of the Bank) is rented in this
case to the customer, then the customer pays obligations or
installments to the Bank consisting of principal payment of
rent to gradually purchase the portion of Bank ownership
and ujrah payment, finally the distribution of customer
installment payments as follows: 1) The distribution of the
Bank's ratio is used to pay ujrah and is recognized as Bank
income. 2) The customer's ratio distribution is used to pay
for the decrease in the Bank's principal so that it will
increase the customer's ownership portion.

PENGARUH PERTUMBUHAN EKONOMI DALAM PERSPEKTIF ISLAM PADA SEKTOR PERTANIAN DAN PENGOLAHAN SEKTOR INDUSTRI DI KABUPATEN LAMPUNG TENGAH TAHUN 2016-2022

Wahrudin — 2023-08-13

Economic growth is the economic improvement
of society that causes an increase in the production of
goods and services or naisonal income. Economic growth
is measured using the value-added indicator of Gross
Regional Domestic Product (GRDP) on the basis of
constant prices in 2010. The economic growth of
Lampung Tengah Regency fluctuates and tends to decline
every year. The main sectors with great added value to
GRDP are the agricultural sector and the processing
industry sector.The formulation of this research problem
is how the influence of the agricultural sector on the
economic growth of Lampung Tengah Regency for the
2016-2022 period? How does the processing industry
sector affect the economic development of Lampung
Tengah Regency for the 2016-2022 period? How does the
agricultural sector and the processing industry sector
affect the economic growth of Lampung Tengah Regency
for the 2016-2022 period? And how do the agricultural
sector and the processing industry sector respond to
economic growth in an Islamic economic perspective?.
The purpose of this study is to find out how much
influence the agricultural sector and the processing
industry sector have on the economic growth of Lampung
Tengah Regency for the 2016-2022 period and describe it
from an Islamic economic perspective.This type of
research uses quantitative methods with descriptive
analysis.

Pengaruh Harga Barang Dan Modal Terhadap Pendapatan Dalam Perspektif Ekonomi Islam

Luthfiah Ayu Mukarromah — 2023-08-13

Harga sangat peting bagi perekonomian, karena harga
sangat berperan dalam bisnis dan usaha yang dijalankan. Dengan
kata lain tingkat harga yang ditetapkan mempengaruhi perputaran
barang yang dijual. Kuantitas barang yang dijual berpengaruh
terhadap biaya yang ditimbulkan dalam kaitanya dengan
pengadan barang bagi perusahaan dagang dan efisiensi produk
bagi perusahaan manufaktur Penelitian ini termasuk penelitian
lapangan (field research) yang bersifat deskriptif analisis sumber
data primer wawancara dan data sekunder yang relevan dengan
penelitian. Teknik pengumpulan data yang digunakan yaitu
observasi, Angket/Kuesioner, Wawancara, Dokumentasi. Adapun
analisis data melalui analisis kuantitatif dengan pendekatan
berfikir deduktif. Berdasarkan hasil penelitian yang telah
dilakukan, bahwa harga dapst dilihat dari T hitung variabel Harga
barang (X1) berpengaruh tidak signifikan, harga barang tidak
memiliki kontribusi terhadap pendapatan pedagang. oleh karena
itu harga barang berpengaruh tidak berpengaruh terhadap
pendapatan, karena tidak semua konsumen membeli suatu barang
berdasarkan harga. Harga murah belum tentu konsumen tertarik,
karena setiap konsumen memiliki daya tarik yang berbeda-beda,
baik dari segi kualitas barang, merek barang. Dari hasil analisis
bahwa dari nilai T hitung bahwa variable (X2) yakni Modal
berpengaruh signifikan yakni memiliki kontribusi terhadap
pendapatan pedagang. Pengaruh harga barang dan modal secara
simultan terhadap pendapatan pedagang. dari hasil uji regresi
berganda diketahui bahwa variable harga barang dan modal
berpengaruh secara simultan dan signifikan terhadap pendapatan
pedagang.

FAKTOR-FAKTOR YANG MEMPENGARUHI PRODUKSI DALAM PERSEPEKTIF EKONOMI ISLAM PADA USAHA TANI KOPI DI MUARA JAYA II KECAMATAN KEBUN TEBU LAMPUNG BARAT TAHUN AJARAN 2022/2023

Bahru Rosyid — 2023-08-13

Coffee commodities have become a livelihood for
most people living in West Lampung. In general, in Muara
Jaya II, the production factors owned by farmers tend to be
limited while productivity must be increased. Production
factors owned and used in coffee farming efficiently. By
knowing the optimal use of production factors, maximum
profit can be achieved with the use of the smallest cost. The
formulation of the problem in this study is: What are the
factors that affect production in coffee farming? and what
is the view of Islamic economics on the factors affecting
production in coffee farming in Muara Jaya II, Sugarcane
Plantation District, West Lampung? This study aims to
know and analyze the factors that affect production in
coffee farming and to know and analyze Islamic economic
views on factors that affect production in farming.
This research is a field research with primary data and
secondary data. Data collection in this study used
observation, interview and documentation methods. The
analysis method used is qualitative analysis method.
The results showed that the factors that affect the
production of coffee farming in Muara Jaya II Village
include: Capital, labor, natural resources (SDA), and
entrepreneurs. In addition, according to the Islamic
economic view, among these production factors that are
very influential are capital factors where the capital used is
borrowed capital, so that the lending party takes
opportunities and benefits for themselves instead of mutual
benefits

PENGARUH HARGA BARANG DAN MODAL TERHADAP PENDAPATAN PEDAGANG DALAM PERSPEKTIF EKONOMI ISLAM (STUDI PADA PASAR BAMBU KUNING TRADE CENTER BANDAR LAMPUNG)

Anggi Bastiansyah — 2023-08-13

The level of merchant income is basically
measured through the selling price and capital issued by
each business owner, each trader must of course be precise
in setting the price of their merchandise to be able to attract
consumers, because the price can also be adjusted to the
type of product material traded by them. On the other hand,
the state of the yellow bamboo market, which has been
declining for the last 5 years, has decreased the number of
visitors which certainly greatly affects the income of the
Yellow Bamboo Market traders Trade Center Bandar
Lampung, because with the pricing and the number of
visitors that have decreased, traders also find it difficult to
rotate their capital from the income they expect. The
formulation of the problem in this study is whether the
effect of the price of goods on the income of traders,
whether the influence of capital on the income of traders,
and whether the influence of simultaneous prices of goods
and capital on the income of traders in an Islamic
perspective. This research includes field research which is
descriptive analysis of primary data sources of interviews
and secondary data relevant to the research. The data
collection techniques used are observation, questionnaires/
questionnaires, interviews, documentation. As for data
analysis through quantitative analysis with a deduction
thinking approach
Based on the results of research that has been carried out,
that the price can be seen from the variable T calculation
The price of goods (X1) has an insignificant effect, the
price of goods has no contribution to the income of traders.
Therefore, the price of goods has no effect on income,
because not all consumers buy an item based on price. Low
prices are not necessarily consumers interested, because

each consumer has a different attractiveness, both in terms
of the quality of the goods, the brand of the goods. From
the results of the analysis that from the value of T calculate
that the variable (X2) namely Capital has a significant
effect, namely having a contribution to the trader's income.
The simultaneous influence of the price of goods and
capital on the income of traders

ANALISIS PENGARUH KEBERADAAN PT.TEGUH WIBAWA BHAKTI PERSADA DI KABUPATEN LAMPUNG UTARA DALAM MENGURANG TINGKAT PENGANGGURAN DITINJAU DARI PERSPEKTIF EKONOMI ISLAM

Hifni Gustiawan — 2023-08-13

Production Costs and Selling Prices partially
against the Profit Level of the Banana Chips Home
Industry in Way Sulan District, South Lampung Regency?
And How does the effect of Production Costs and Selling
Prices partially on the Profit Level of the Banana Chips
Home Industry in Way Sulan District, South Lampung
Regency According to the Islamic Economic Perspective?
The purpose of this study is to determine and analyze the
effect of Production Costs and Selling Prices partially on
the Profit Level of Banana Chips Home Industry in Way
Sulan District, South Lampung Regency and How the
effect of Production Costs and Selling Prices partially on
the Profit Level of Banana Chips Home Industry in Way
Sulan District, South Lampung Regency According to the
Islamic Economic Perspective. This type of research is
quantitative with multiple linear regression analysis
methods . Income is a very important thing in determining
the profit or loss of a business, the profit or loss is obtained
by comparing the income with the expenses or costs
incurred on the income. One of the main indicators of the
success of a business is the ability to obtain maximum
profit or profit. The development of SMEs in Indonesia if
traced from time to time experiences ups and downs, this
happens because the success that has been achieved by
SMEs has weak points that must be resolved immediately
including the lack of capital both in quantity and source,
lack of managerial ability and lack of operating skills in
organizing and limited marketing is a fundamental thing
always faced by all SMEs in starting a business venture to
be able to flower. The theory above explains that
Production Costs and Selling Prices are part of the
Revenue indicator, meaning that if the Production Costs
are efficient and the selling price is good, it will have a
positive effect on Revenue and affect profits or profits

ANALISIS PEMBERIAN KOMPENSASI DALAM MENINGKATKAN KINERJA GURU MENURUT PERSPEKTIF EKONOMI ISLAM

Nana Murdiana — 2023-08-13

Human resources have an important role in an
organization, the demands of the era of globalization and
the current era of free competition are expected that
organizations must have quality, innovative and creative
human resources. Because the organization is a network
and decision of the successors of policy and decision
making. Compensation is used as a benchmark of
performance with the aim of getting quality employees,
retaining employees and making a good contribution to the
organization
This study has two formulations of the problem, namely
whether the compensation given can improve the
performance of employees of SMP Taman Siswa Teluk
Betung and whether the compensation applied to
employees of SMP Taman Siswa Teluk Betung is in
accordance with Islamic Economics. While the purpose of
this study is to determine compensation in improving
performance given to teachers at SMP Taman Siswa Teluk
Betung, to find out the views of Islamic Economics
regarding compensation to teachers at SMP Taman Siswa
Teluk Betung Kota Bandar Lampung and to determine the
effect of compensation on teacher performance at SMP
Taman Siswa Teluk Betung
This study uses qualitative methods, which in a population
of 38 employees at SMP Taman Sisiwa Teluk Betung, the
determination of samples refers to the theory proposed by
Suharsimi Arikunto, data obtained from the results of
observation, interviews, and direct documentation with
respondents, then analyzed with qualitative methods for
the purpose of knowing the provision of compensation in
improving teacher performance according to the
perspective of Islamic economics
The results showed that compensation in improving
teacher performance can be said to be effective. influences
include; Teachers communicate well, are more responsible
with their work, teachers are more disciplined in carrying
out their duties, for better attendance.
The compensation given to the employees of Taman Siswa
Teluk Betung Junior High School is in accordance with
what is taught by Islamic Economic theories

PENGARUH BIAYA PRODUKSI DAN HARGA JUAL TERHADAP TINGKAT KEUNTUNGAN HOME INDUSTRY KRIPIK MENURUT PERSEPEKTIF EKONOMI ISLAM

Nurul Istiqomah — 2023-08-13

PEMBANGUNAN EKONOMI SYARIAH UNTUK MENGEMBANGKAN PERTUMBUHAN SEKTOR PERTANIAN DAN ISDUSTRI DI TINJAU DARI PERSPEKTIF EKONOMI ISLAM

Khoirul Afidati, — 2023-08-13

Islamic economic development has very basic
principles in life and the formation of a quality human
character, Islam bases economic development on the
formation of each individual which boils down to divinity
as control of every human act and action in the daily life
of bermu'amalah. Individuals who prioritize economic
change only by heeding their spirituality, then they still
deviate from the law of Allah Almighty, they do not get
the slightest benefit from the efforts they make. Islam
contains endeavors, struggles and movements towards
social change. Islam is also a definite view of life and
programs of activity. All of this is in the framework of the
reconstruction of society.

Analisis Pengaruh Sektor Industri Dan Sektor Pertanian Pengolahan Terhadap PDB (Pertumbuhan Ekonomi) Kabupaten Lampung Tengah Periode 2013-2019 Dalam Perspektif Ekonomi Islam

Handy Setiawan — 2023-08-13

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Pengaruh Etika Profesi Akuntan Dan Independensi Auditor Terhadap Opini Audit Dalam Perspektif Islam (Studi Empiris Pada Kantor Akuntan Publik Zubaidi, Komaruddin)

Eko Saputra — 2023-08-13

Lately, issues related to professional ethics in the
business world have begun to be discussed. In the case of
Enron occurred because of moral hazard behavior by the
company Enron and KAP Andersen. It is known that the
company manipulated financial statements by recording a
profit of 600 million US dollars even though the company
suffered a loss. Profit manipulation is caused by the
company's desire for shares to remain in demand by
investors. As a result of this scandal, the level of
stakeholder trust dropped dramatically, the Enron
company collapsed and KAP Andersen canceled its
operating license. And ethical research (accountants) in
Indonesia has also been widely conducted. However, this
research is still limited to the cognitive aspects of
accountants (related to ethical decision making). So when
giving an opinion depends on the independence factor. The
independence of auditors in their application will be
related to ethics. So based on the description above, the
author feels interested in raising this theme as the title of
his research.
The formulation of the problem of this study is to find out
how the influence of accounting professional ethics and
auditor independence on audit opinions and find out how
the Islamic perspective on accounting professional ethics.
The purpose of this study is to analyze the influence of
accountant professional ethics and auditor independence
on audit opinions and review Islamic perspectives on
accounting professional ethics. This research was
conducted at Zubaidi Public Accounting Firm,
Komaruddin. In this study, the author uses quantitative
methods, namely research based on the philosophy of
positivism. And this research is descriptive analysis, which
aims to describe what is happening and in it there are
efforts to describe, record, analyze and interpret the
conditions that currently occur. Data sources in this study
were obtained from secondary and primary data. The
subjects in this study were 10 auditors.

ANALISIS PERTUMBUHAN EKONOMI DAN SEKTOR INDUSTRI PENGOLAHAN DI TINJAU DALAM PERSEPKTIF ISLAM DI KABUPATEN LAMPUNG SELATAN TAHUN 2020

Hendro Muttaqim Setiawan — 2023-08-13

Economic growth is the activity of improving the
economy of society which leads to an increase in the
production of goods and services or naisonal income.
Economic growth is measured using value-added
indicators Gross Regional Domestic Product (GRDP) on
the basis of constant prices 2010.The economy of a region
can be seen from economic growth in a wayaggregate
calculated through the average GRDP value of theits
sectoral growth. Economic growth of Lampung Tengah
Regency fluctuates and tends to decline every year. Key
sectors with great added value to GRDP is the agricultural
sector and the sector Processing industry. Types of
research using quantitative methods with analysis
Descriptive. This research is a literature research using
secondary data sourced from the Central Statistics Agency
of Lampung Regency Middle in 2011-2017. Data analysis
method using linear regression multiple with SPSS
statistical test tool. Simultaneous test results (F test),
agricultural sector and processing industry sector positive
and significant effect on the economic growth of the
District South Central 2011-2017 together and the result
of R Square The agricultural sector and the processing
industry sector had an influence of 86.9%. In the
perspective of Islamic economics, the agricultural sector
and the processing industry sector effect on economic
growth in the form of justice in distribution. In achieving
prosperity, governments and communities must cooperate
with each other and be responsible as Caliph for the duties
that given by Allah Almighty, carrying out all activities
based on the elements of Tawhid.

PENGARUH ETIKA PROFESI AKUNTAN DAN INDEPENDENSI AUDITOR TERHADAP OPINI AUDIT DALAM PERSPEKTIF ISLAM

Herlan — 2023-08-07

: Recently, issues related to professional ethics in
the business world have begun to be discussed. In Enron's
case it happened due to moral hazard behavior by Enron's
company and Andersen's public accountants. It is known
that the company manipulated financial statements by
recording a profit of 600 million US dollars even though
the company suffered a loss. The manipulation of profits
is due to the company's desire for shares to remain in
demand by investors. As a result of this scandal the level
of stakeholder trust dropped dramatically, the company
Enron kolap and KAP Andersen cancelled their operating
licenses. And ethical research (accountants) in Indonesia
has also been widely carried out. In this study, the author
used a quantitative method, namely research based on the
philosophy of positivism. And this study is descriptive
analysis, which aims to describe what is currently
happening and in it there are efforts to describe, record,
analyze and interpret the conditions that are currently
occurring. Based on the results of testing the ethics of the
accounting profession does not have a significant effect
on the audit opinion. Based on the regression results, it
can be seen that the ethical variable of the accountant
profession has a calculation of 0.690 with a significance
of 0.513. Based on the results of the auditor's
independence test, it does not have a significant influence
on the audit opinion.

PERTUMBUHAN EKONOMI PERTANIAN DI KABUPATEN LAMPUNG SELATAN DALAM PERSPEKTIF EKONOMI ISLAM

Indra Wahyudi — 2023-08-16

Tujuan dari penelitian ini adalah untuk melihat pertumbuhan ekonomi
pertanian di Lampung Selatan. Penelitian dilakukan di Distributor
Sektor Pertanian di Kabupaten Lampung Selatan. Berdasarkan hasil
penelitian di peroleh dapat disimpulkan: 1) Sektor pertanian yang
signifikan menunjukkan hubungan yang mempengaruhi pertumbuhan
ekonomi, nilai sektor pertanian yang negatif menunjukkan hubungan
yang tidak searah dengan pertumbuhan ekonomi. Artinya, sektor
pertanian sangat mempengaruhi pertumbuhan ekonomi karena sektor
pertanian merupakan sektor unggulan dengan pendapatan terbesar
PDRB Kabupaten Lampungselatan, namun setiap kenaikan sektor
pertanian akan menurunkan pertumbuhan ekonomi Kabupaten
Lampung selatan; 2) Berdasarkan hasil uji signifikansi pada uji F,
sektor pertanian secara simultan berpengaruh positif dan signifikan
terhadap pertumbuhan ekonomi Kabupaten Lampung selatanperiode
2018 hingga 2022. Berdasarkan uji R Square, sektor pertanian dan
industri pengolahan berpengaruh terhadap pertumbuhan ekonomi
sebesar 86,9%. Artinya, sektor pertanian dan sector industri
pengolahan secara bersama-sama akan mempengaruhi pertumbuhan
ekonomi Kabupaten Lampung selatan.

PERKEMBANGAN EKONOMI INDONESIA DENGAN PERBANKAN SYARIAH

Eko Suhari — 2023-08-17

The emergence of the Islamic finance industry could offer
a system of tools to promote social and economic
justice and stimulate economic development. This
research is aimed to examine causality relationship between
a rapid growth of the Islamic financial system and a
promising economic development in Indonesia. This
research used Granger cointegration test and causality test
with error correction term as a statistic procedure to test
causality relationship and mutually exclusive test between
Islamic Financial System and economic development in
Indonesia.
This research used quarterly time-series data from year
2005:1 – 2012:4. Islamic Bank Financing (IBFin) were the
proxy from financial sector. Another variable in this research
were real economic sector and the indicator were real Gross
Domestic Product (GDP). The data source were IB
publication , World Bank national account data and OECD
national accounts data file. Granger causality test were
developed to test inclution from the past in X variable.
This test can predict the present value from Y variable
(Granger, 1996).
The result suggest Islamic financial system were not
significantly affected to Indonesia’s economic development
in the short term. But positive economic development in
Indonesia significantly affected to Indonesia’s Islamic
financial system. The result also indicate cointegration
relationship between Islamic Financial System and economic
development in the long term manner

PERBANDINGANSISTEM EFISIENSI KINERJA KEUANGAN BANK SYARIAH DAN BANK KONVENSIONAL

Triono — 2023-08-17

Tujuan penelitian ini Untuk mengetahui Kinerja Keuangan.
Untuk mengetahui Kinerja Keuangan Bank konvensional.Untuk
mengetahui perbedaan antara kinerja keuangan bank syariah dan
bank konvensional.Untuk memperoleh data-data yang dibutuhkan
dalam penelitian ini digunakan riset lapangan yaitu dengan
memakai alat- alat pengumpulan data melalui observasi,
interview atau wawancara terstruktur, dan dokumentasi. Data
yang diperoleh kemudian diolah dan dianalisis. Dalam penelitian
ini, digunakan penelitian kualitatif dengan pendekatan deskripsi
analisis yaitu dengan mendeskripsikan hasil penelitian yang
diperoleh melalui wawancara terstruktur pada sumber penelitian.
Hasil penelitian kinerja keuangan adalah hasil kegiatan
operasioanl yang di sajikan dalam bentuk angka angka
keuangan.Hasil kegiatan peusahaan periode sekarang harus
dibandingkan dengan kinerja keuangan pada masa lalu, anggaran
neraca dan laba rugi rata rata kinerja keuangan perusahhan
sejenis. Menurut kasmir kinerja keuangan bank merupakan
ukuran keberhasilan bagi direksi bank tersebut, sehingga
apabila bank tersebut buruk maka tidak mungkin para dereksi
ini diganti. Tujian penilaian kinerja perusahaahn menurut
manawir sebagai berikut:Untuk menegetahui faktor likuiditas
yaitu kemampuan perusaahan untuk memperoleh kewajiban
keuanganya yang harus segera di penuhi atau kemempuan
perusahhan untuk memenuhi keuanganya pada saat ditagihUntuk
mengetahui tingkat solvabilitas, yaitu kemapuan perusahhan
untuk memenuhi kewajiban keuanganya apabila perusahaan
tersebut dilikuidasi baik kewajiban keuangan jangka pendek
maupun jangkapanjang.Untuk mengetahui tingkat retabilitas dan
profitabilitas, menunjukan kemapuan perusahhan untuk
menghadilkan laba selama priodetertentu.Untuk mengetahui
tingkat stabilitas usaha, yaitu kemampuan perusahaan untuk
melakukan usahanya dengan stabil yaitu di ukur dengan
mempertimbangkan kemampuan perusahaan untuk membayar

PENERAPAN ETIKA BISNIS ISLAM DALAM JUAL BELI TANAMAN HIAS

Wahida — 2023-08-17

Menurut pandangan Islam, jual beli tanaman hias
dikatakan sah karena memenuhi syarat dan rukun jual beli, yaitu
akad (ijab), adanya penjual dan pembeli, ma' kud alaih (objek
akad) barang yang dijual, dan syarat-syaratnya: syarat aqid, syarat
sighat, dan ma'qud 'alaih. Praktik penjualan di Karangandong Flora
Center menggunakan jual beli barang berwujud (tatap muka), atau
ketika para pihak dalam transaksi hadir saat merundingkan syaratsyarat perjanjian jual beli barang berwujud. Di Karangandong
Flora Center disana terdapat transaksi jual beli, dimana lokasinya
sangat padat dengan penjual tanaman hias. Tidak heran jika
kemungkinan terjadi persaingan. Oleh karena itu, etika bisnis
Islami harus diterapkan untuk menghindari kecurangan dan
persaingan dalam jual beli tanaman hias tersebut agar bisnis yang
dijalankan sesuai dengan etika bisnis Islam. Etika bisnis Islami
adalah prinsip-prinsip moral untuk menjalankan bisnis yang sejalan
dengan prinsip-prinsip Islam. Kajian semacam ini adalah penelitian
lapangan. Observasi, wawancara, dan dokumentasi digunakan
sebagai metode pengumpulan data dalam penelitian kualitatif ini
dengan analisis deskriptif. Temuan ini menunjukkan bahwa
penggunaan etika bisnis yang ada di Karangandong Flora Center
mengikuti pedoman etika bisnis Islam, yang mana didalamnya
terdapat tauhid, keseimbangan, kehendak bebas, tanggungjawab,
dan kebenaran.

PRESPEKTIF PINJAMAN ONLINE YANG BERBUNGA DALAM HUKUM ISLAM

Tusama Salsabila — 2023-08-17

Online loans or what we are more familiar with
with pinjol, have been very popular among the people of
Indonesia. Be it legal or illegal. It is undeniable, this is in line
with the pace of rapid development of the times and
increasingly rapid technological innovation. The
disbursement of funds is also very easy and fast, there is no
need to wait a long time, the funds we need can be disbursed
immediately in less than 24 hours. Pinjol users themselves
come from various circles with diverse needs. Not only that,
the borrowing process is very easy, without having to meet the
funds will still be accepted by the borrower. Therefore,
today's borrowing users are very many, especially coupled
with technology that is growing day by day and its users are
almost from all walks of life. Thus, the purpose of this study is
to examine more deeply about the practices in it, one of which
is usury. This research will refer to the laws contained in the
Qur'an, and will be explained in more detail with
interpretation

TINJAUAN DARI PERSPEKTIF EKONOMI SYARIAH TERHADAP MASYARAKAT EKONOMI ASEAN

Nur Riski Utami — 2023-08-17

Masyarakat Ekonomi ASEAN (MEA) akan mengubah ASEAN
menjadi kawasan dengan pergerakan bebas barang, jasa,
investasi, tenaga kerja terampil, dan arus modal yang bebas.
Masyarakat Ekonomi ASEAN akan menjadi kekuatan
pendorong integrasi ekonomi di negara-negara ASEAN, dan
antara negara-negara ASEAN dan seluruh dunia. Banyak yang
percaya integrasi ekonomi akan mewujudkan kerangka ASEAN
sebagai pasar tunggal dan basis produksi, untuk meningkatkan
daya saing ekonomi nasional dan kawasan, untuk mendukung
pembangunan ekonomi yang lebih merata, dan sebagai batu
loncatan menuju integrasi penuh ke dalam ekonomi global.
Komitmen implementasi blueprint AEC oleh negara-negara
anggota ASEAN dan para pemangku kepentingan ekonomi
syariah akan menjadi peran penting untuk mencapai tujuan
Visi, Misi, dan Target ASEAN.
The ASEAN Economic Community (AEC) will transform
ASEAN into a region with free movement of goods, services,
investment, skilled labor, and free flow of capital. ASEAN
Economic Community will be the driving force of economic
integration within ASEAN countries, and between ASEAN
countries and the rest of the world. Many believe the economic
JURNAL AZ ZAHRA: JURNAL EKONOMI DAN BISNIS ISLAM
(AZ ZAHRA JOURNAL: JOURNAL OF ISLAMIC ECONOMICS AND BUSINESS)
Home Page: http://journal.an-nur.ac.id/index.php/azzahra
integration will realize the ASEAN framework as a single market
and production base, to increase competitive economic national
and region, to support more equitable economic development,
and as a stepping stone toward full integration into the global
economy. Commitments of the implementation of AEC
Blueprint by ASEAN member countries and the sharia
economic stakeholders will be a crucial role to achieve the
objective of the ASEAN Vision, Mission, and Targets.

STRATEGIS BANK SYARIAH INDONESIA DALAM EKONOMI SYARIAH DI INDONESIA

Mustofa — 2023-08-17

Peningkatan kesadaran gaya hidup halal baik dalam sektor riil
maupun keuangan mendorong perkembangan ekonomi dan keuangan
syariah di Indonesia pada khususnya dan dunia pada umumnya di atas
rata-rata industri keuangan. Pada tahun 2020, saat kondisi pandemi
covid-19 menyebabkan kontraksi pada sebagian besar industri di
dunia, ekonomi dan keuangan syariah tetap tumbuh positif.
Momentum ini dimanfaatkan Pemerintah RI untuk meningkatkan peran
ekonomi dan keuangan syariah dalam perekonomian nasional.
Penggabungan tiga bank syariah anak perusahaan bank BUMN yaitu
Bank Syariah Mandiri, Bank BRI Syariah, dan Bank BNI Syariah
menjadi Bank Syariah Indonesia (BSI) diharapkan memberikan
dampak penguatan bagi rantai nilai ekonomi syariah di Indonesia.
Penelitian ini bertujuan untuk mengetahui peran strategis keberadaan
Bank Syariah Indonesia (BSI) terhadap ekonomi syariah di Indonesia.
Penelitian menggunakan pendekatan kualitatif dengan desain
penelitian studi pustaka. Teknik pengumpulan data dilakukan dengan
analisis konten pada dokumen, artikel, jurnal, atau laporan. Hasil
penelitian menyatakan bahwa penggabungan Bank Syariah Mandiri,
Bank BRI Syariah, dan Bank BNI Syariah menjadi Bank Syariah
Indonesia (BSI) memiliki peran strategis bagi ekonomi syariah di
Indonesia. Peran strategis tersebut dapat dilihat dari dua perspektif.
Peran strategis yang pertama berkaitan dengan peran penguatan
muamalah syariah di Indonesia yang memungkinkan pengembangan
pasar dan peningkatan akses ekonomi dan keuangan syariah sehingga
mengurangi potensi riba, gharar, dan dhalim dalam muamalah di
Indonesia. Peran strategis kedua adalah terkait penguatan ekonomi
nasional yang disebabkan oleh perkembangan modal dan dana dari
Bank Syariah Nasional yang mampu meningkatkan pembiayaan dalam
usaha dan pembangunan nasioanl.

KONDISI EKONOMI SYARIAH DI INDONESIA PASCA MERGERNYA BANK SYARIAH BUMN

Adi Irawan — 2023-08-17

Indonesia has the largest Muslim population in the world. With
this amount, of course, it should be a capital for economic
strength. However, as of November 2020, data released by
the Financial Services Authority put the Islamic banking market
share at 6.33%. Efforts to merge the three state-owned Sharia
banks into Indonesian Sharia Banks are expected to increase the
penetration of the sharia economy in Indonesia, which is still far
behind when compared to conventional domestic economic
movements and Islamic financial transactions in other countries.
This research will describe the extent of the sharia economic
conditions in Indonesia after the merger of state-owned sharia
banks into BSI. This study uses a qualitative method with a type
of literature review research which is obtained from various
authentic sources such as books, articles, journals and trusted
websites. There was a 2.7% increase in the market share of
Islamic banks after the merger. This increase when compared to
the existing potential and the market is still very small. However,
it is hoped that this impact will continue to increase over time,
especially as capital support for various financial sectors and the
halal industry in the country

ANALISIS HUKUM EKONOMI SYARIAH TERHADAP JUAL BELI MELALUI MEDIA ONLINE DI KALANGAN MAHASISWA

Billi Sadam Husein — 2023-08-17

Purpose: This study aims to find out (1) students think about
buying and selling online and (2) how Islamic sharia economic
analysis of buying and selling through online media among
students. Method: Field research is used with a qualitative
approach to explaining the actual state of research that
produces descriptive data in the form of observed words and
behavior. The results of the study were analyzed by the
deductive method, which starts with general facts and then ends
with a special conclusion. Finding: first, online sellers and
buyers feel the benefits of online media that are very easy,
practical, time-saving, cheaper, and do not require capital for
online sellers. Second, buying and selling meet directly between the
seller and the buyer. However, according to the development of the
era of buying and selling through online media, including aspects
of muamalah which basically are permissible (permissible) unless
there is an argument that forbids them..

PANDANGAN EKONOMI SYARIAH ISLAM TERHADAP PEMBAYARAN PAYLATER

Danny Meilan — 2023-08-17

Di era digital saat ini, muncul fenomena pembayaran PayLater. Konsep
utama fitur pembayaran PayLater adalah “beli sekarang, bayar nanti”.
Jual beli dengan cara ini dimana konsumen (pembeli)
membeli/mengambil barang dari penjual, maka pada akhir jangka waktu
tertentu yang disepakati bersama, akan dibayarkan seluruhnya. Inilah
yang disebut jual beli Istijrar. Para ulama berbeda pendapat, jika
harganya tidak diketahui oleh pembeli ketika membeli/mengambil
barang, dan pembeli baru mengetahui harganya setelah dijumlahkan di
akhir ketika hendak melakukan pembayaran, maka jual beli itu dilarang.
Ini adalah pendapat ulama jamahir (hampir semua ulama) dari 4
madzhab. Namun, jual beli akan sah dan diperbolehkan selama ada
harga pasar (as-Si'rul Mitsl) yang berlaku umum. Ini adalah salah satu
pendapat ulama syafiiyah, salah satu riwayat dalam mazhab Hambali,
dan pendapat yang dipilih oleh Ibnu Taimiyyah dan Ibnu Qoyim.
Sehingga Istijar atau PayLater diperbolehkan dimana harga ditentukan
setelah semua transaksi jual beli dilakukan relevan dengan ekonomi
Islam dengan syarat-syarat tertentu. Fitur PayLater adalah
popularitasnya meningkat pesat karena kemajuan teknologi sistem
pembayaran dalam e-commerce (belanja online). Kami sangat perlu
mempertimbangkan kami ketika ingin memanfaatkan kemudahan fitur
ini. Selain mudah, PayLater tidak memerlukan jaminan khusus sehingga
fitur PayLater banyak diminati. Namun, jangan biarkan kami seiring
manusia menjadi terlena dan tergila-gila dalam menggunakannya
sehingga kita menjadi konsumtif (boros) bahkan sampai terlilit utang
saat berbelanja via online (belanja online). Jadi, sisi positif dari
PayLater juga perlu diimbangi pemahaman tentang potensi risiko yang
dapat ditimbulkannya. Oleh karena itu, sebelum menggunakan fasilitas
PayLater, konsumen (pembeli) harus mempertimbangkan kebutuhan
dan keinginannya sesuai dengan kemampuannya

BISNIS JUAL BELI ONLINE (ONLINE SHOP) DALAM PRESPEKTIF HUKUM ISLAM DAN HUKUM NEGARA

Nurdin Hidayat — 2023-08-17

This study aims to find out about online shop (online
business shop) in Islamic view (Islamic law). This research is
qualitative descriptive. This study included literature to examine
the written sources such as scientific journals, books referesni,
literature, encyclopedias, scientific articles, scientific papers and
other sources that are relevant and related to the object being
studied. As for the object of study of this research is in the form
of texts or writings that describe and explain about the business /
online shop (online shopping), which become popular in
Indonesia. Results from this study is Islam do business through
online is allowed in accordance with Islamic Shari'a. While there
are elements of usury, injustice, menopoli and fraud. Prophet
hinted that buying and selling is lawful while consensual
(Antaradhin), for sale or through an online business as having a
positive impact because it is practical, fast, and easy for the
buyer. If the business by via online not in accordance with the
terms and conditions described above, online business is not
allowed.

PENGARUH OBJEKTIVITAS DAN PENGALAMAN AUDITOR TERHADAPKUALITAS AUDIT

Andi Zulkarnain — 2023-08-16

Tujuan dari penelitian ini adalah menguji Pengaruh Objektivitas
Auditor (X1) dan Pengalaman (X2) terhadap Kualitas Audit (Y).
Responden pada penelitian ini yaitu para auditor yang bertugas di KAP
Jakarta. Penelitian ini mempergunakan studi kasual dengan pendekatan
kuantitatif. Datanya dikumpulkan melalui pernyataan di uji melalui dua
tahapan, yakni uji validitas dan uji reliabilitas pada tiap item
pernyataan. Analisis datanya dilakukan dengan Analisa regresi linear
berganda. Datanya dikumpulkan dari kuesioner dengan teknik
conventional sampling sebanyak 50 responden. Hasil penelitian ini
menunjukan jika Objektivitas Auditor (X1) dan Pengalaman (X2)
secara bersamaan tidak memberikan pengaruh yang signifikan terhadap
Kualitas Audit (Y). Variabel Objektivitas Auditor (X1) secara
individual mempunyai pengaruh yang positif secara signifikan terhadap
Kualitas Audit (Y), sedangkan variabel Pengalaman (X2) secara
individual tidak memberikan pengaruh negatif secara signifikan
terhadap Kualitas Audit (Y).

ANALISIS PENYERAPAN TENAGA KERJA DALAM PERSPEKTIF EKONOMI ISLAM (Sebuah Konsep dan Upaya)

Mulyadi — 2023-08-07

Islam has taught its followers to try to get a
good life in this world and in the hereafter in order to
achieve well-being both physically and spiritually.
Therefore no exaggeration to Islam as a religion can also
be said of empowerment, which seeks to empower
believers to live a well-balanced between the needs of the
duniawi and ukhrawi. So far the Indonesian Islamic
community, especially as the majority of people, is still
too far away from all the advantages when compared with
people in other countries, especially countries which are
some of the western Christian, especially the
economy. Even very unfortunate, in Islamic societies has
occurred which led to economic inequality of wealth
circulation only rotates in a group of bourgeois alone.
This fact calls for economic empowerment efforts are
systematic and continuous to deliver economically
egalitarian society and circulation of wealth can be
enjoyed by society equally. Therefore, the necessary
breakthroughs or empowerment methods that hit. This
paper will explain how the efforts and strategies of
community economic empowerment in the Islamic perspective.

PENGARUH MODAL TERHADAP PENYERAPAN TENAGA KERJA DALAM PERSPEKTIF EKONOMI ISLAM (STUDI PADA PERUSAHAAN PROPERTI DI SIDOMULYO)

Isma Widi — 2023-08-16

Tujuan dari penelitian ini adalah untuk melihat pengaruh modal
terhadap penyerapan tenaga kerja dalam perspektif islam. Penelitian
dilakukan di perusahaan poperti sidomulyon di Kabupaten Lampung
Selatan. Berdasarkan hasil penelitian di peroleh dapat disimpulkan: 1)
bahwa variabel modal memiliki kontribusi terhadap Penyerapan
Tenaga Kerja. Hal ini karena ketika modal bertambah maka pengusaha
akan menambah produksinya yang mengakibatkan perlunya tambahan
tenaga kerja baru. Penambahan modal juga dapat berupa penambahan
unit usaha yang akan menyerap tenagakerja; 2) Upah tidak memilki
kontribusi terhadap penyerapan tenaga kerja. Variabel upah secara
parsial tidak memilki pengaruh signifikansi terhadap penyerapan
tenaga kerja; 3) Upah dan modal secara bersamaan atau simultan
berepengaruh signifikan terhadap penyerapan tenaga kerja. Uji
Koefisien Determinasi (R2
) diperoleh nilai koefisien determinan (R2
)
hanya sebesar 0,221. Pengaruh antara upah dan modal terhadap
penyerapan tenaga kerja sebesar 22,1% dan sisanya 76,4% dipengaruhi
oleh faktor-faktor lain selain modal danupah; 4) Dalam Ekonomi Islam
modal termasuk dalam fiqih disebut ra’sul mal yang merujuk pada arti
uang dan barang. Islam menyediakan bisnis alternatif yaitu
mudharabah, musyarakah, dan lain-lain.

PENGARUH PEMBANGUNAN INFRASTRUKTUR (PERBAIKAN JALAN) JALAN RAYA PASAR SIDOMULYO TERHADAP EKONOMI MASYARAKAT SEKITAR

Mian — 2023-08-16

Tujuan dari penelitian ini adalah menguji Pengaruh Objektivitas
Auditor (X1) dan Pengalaman (X2) terhadap Kualitas Audit (Y). Responden
pada penelitian ini yaitu para auditor yang bertugas di KAP Jakarta. Penelitian
ini mempergunakan studi kasual dengan pendekatan kuantitatif. Datanya
dikumpulkan melalui pernyataan di uji melalui dua tahapan, yakni uji validitas
dan uji reliabilitas pada tiap item pernyataan. Analisis datanya dilakukan
dengan Analisa regresi linear berganda. Datanya dikumpulkan dari kuesioner
dengan teknik conventional sampling sebanyak 50 responden. Hasil penelitian
ini menunjukan jika Objektivitas Auditor (X1) dan Pengalaman (X2) secara
bersamaan tidak memberikan pengaruh yang signifikan terhadap Kualitas
Audit (Y). Variabel Objektivitas Auditor (X1) secara individual mempunyai
pengaruh yang positif secara signifikan terhadap Kualitas Audit (Y),
sedangkan variabel Pengalaman (X2) secara individual tidak memberikan
pengaruh negatif secara signifikan terhadap Kualitas Audit (Y

Analisis Sterategi Pengembangan Sektor Pertanian Dalam Perspektif Ekonomi Islam (Study Pada Dinas Pertanian Kabupaten Lampung Tengah)

Melin Cahyani — 2023-08-16

Penelitian ini memiliki tujuan untuk menganalisis
pengembangan sector pertanian dalam perspektif ekonomi Islam.
Penelitian ini dilakukan di Dinas Pertanian Kabupaten Lampung
Tengah. Penelitian ini menggunkan penelitian kualititaf.
Berdasarkan uraian dan analisis yang telah penulis lakukan, maka
dapat diambil kesimpulan bahwa: 1) Dalam pelaksanaan program
yang di lakukan oleh Dinas Pertanain sudah cukup baik. Hal
tersebut terlihat dari adanya pelatiahan yang diadakan setiap bulannya oleh Dinas Pertanian Kabupaten Lampung Tengah yang
dihadiri oleh kelompok petani binaan; 2) Peningkatan pendapatan
petani dengan peningkatan nilai tambah produk tanaman pangan
melalui penerapan teknologi pasca panen. Peningkatan
kelembagaan petani melalui pengembangan sektor pertanian
tanaman pangan. Peningkatan pendapatan petani melalui efisiensi
hasil pertanian; 3) Peningkatan kemampuan dan keahlian tenaga
teknis melalui peningkatan pendidikan dan pelatihan sehingga terbentuk tenaga teknis professional. Peningkatan kemampuan
wawasan dan skill petani melalui pelatihan dan magang untuk
membentuk petani yang maju/ modern, seperti peningkatan sarana
dan perasarana informasi yang dapat diakses dengan mudah oleh
petugas petani

Analisis Sterategi Pengembangan Pada Sektor Pertanian Di Kabupaten Lampung Selatan

Rahmat Hidayat — 2023-08-16

Penelitian ini memiliki tujuan untuk menganalisis
pengembangan sector pertanian dalam perspektif ekonomi Islam.
Penelitian ini dilakukan di Dinas Pertanian Kabupaten Lampung
Selatan. Penelitian ini menggunkan penelitian kualititaf. Pertumbuhan
ekonomi suatu wilayah bergantung kepada permintaan dari luar
wilayah terhadap produk-produk dari dalam wilayah itu sendiri,
sehingga sektor/komoditi yang memiliki keunggulan komparatif
dapat mendorong pertumbuhan ekonomi bagi wilayah terkait. Guna
menunjang pembangunan suatu wilayah, maka diperlukan identifikasi
komoditas-komoditas unggulan pertanian sebagaiarahan prioritasi
pengembangan yang menjadi dasar perumusan strategi pembangunan
wilayah. Metode yang digunakan adalah studi kepustakaan bidang
ekonomi pertanian dan literatureyang terkait serta pengamatan
terhadap fenomena sektor Pertanian terhadap Perekonomian negara
dan daerah. Hasil yang diperoleh dari kajian dan analisis ini
adalah bahwa Keberadaan sektor pertanian dalam pembangunan
perekonomian masih dianggap sebagai sektor pasif dan sekadar
menjadi elemen penunjang sebagai input bagi sektor lain terutama
sektor industri serta perdagangan dan jasa. Akan tetapi, hal tersebut
juga dapat menjadi peluang serta tantangan bagi sektor pertanian
untuk berkembang pesat dan meningkatkan daya saingnya.
Meskipun sektor pertanian pada suatu wilayah bukan merupakan
sektor unggulan, bukan berarti sektor pertanian dapat
dikesampingkan karena perannya yang penting dalam proses
pertumbuhan ekonomi dan erat kaitannya dengan ketahanan pangan,
serapan tenaga kerja, sumber bahan baku industri, dan sumber
pendapatan masyarakat yang kemudian berdampak pada pertumbuhan
perekonomian suatu wilayah

PERANAN KELOMPOK WANITA TANI SEKAR KANTIL DALAM MENINGKATKAN EKONOMI MASYARAKAT DI WAY SULAN KABUPATEN LAMPUNG TENGAH

Rohim — 2023-08-16

eran wanita dalam pertanian termasuk dalam ketahanan
pangan dan gizi keluarga. Ketahanan pangan dapat mengembangkan
kelembagaan dan pengelolaan usaha pangan bagi wanita tani, sehingga
wanita harus pandai mengatur, mengelola penghasilan yang relatif rendah
agar mencukupi kebutuhan keluarga terutama sandang pangan agar
mampu memenuhi kebutuhan hidup spirituil dan materiil yang layak,
bertaqwa kepada Tuhan Yang Maha Esa, memiliki hubungan yang
serasi, selaras dan seimbang antar anggota dan antara keluarga
dengan masyarakat dan lingkungan. Penelitian ini memiliki tujuan
untuk melihat peranan kelompok wanita tani sekar kantil dalam
meningkatkan ekonomi masyarakat di way sulan lampung selatan.
Penelitian ini menggunakan metode kualititif. Penelitian dilaksanakan di
Desa Way Sulan Kecamatan Way Sulan Kabupaten Tanggamus.
Berdasarkan uraian pembahasan dapat disimpulkan bahwa: Berdasarkan
pemaparan terkait penelitian yang dilakukan dapat disimpulkan bahwa
peranan Kelompok Wanita Tani Sekar Kantil dalam meningkatkan
ekonomi masyarakat DesA Way Sulan, Kecamatan Way Sulan,
Kabupaten Lampung Selatan telah memberikan lapangan pekerjaan baru
bagi masyarakat, meningkatkan pendapatan masyarakat, menciptakan
kemudahan bagi masyarakat dalam pemenuhan kebutuhan sehari-hari,
terciptanya pembagian pendapatan yang adil, dan terciptanya perubahan
struktur perekonomian masyarakat dari sebelumnya bekerja sebagai petani
atau peternak, kinimulai merambah ke bidang usaha atau home industry

KEBIJAKAN DIVIDEN PADA SEKTOR INDUSTRI BARANG KONSUMSI PADA DAFTAR EFEK SYARIAH TAHUN 2021-2022

Saiful Imam — 2023-08-16

Penelitian ini memiliki tujuan untuk melihat kebijakan dividen
pada sektor industri barang konsumsi pada daftar efek syariah. Penelitian
ini menggunakan metode kualititif. Dari hasil pengolahan data dan
analisis data dalam penelitian Studi Pada Perusahaan Sektor Industri
Barang Konsumsi Yang Terdaftar di Daftar Efek Syariah dapat
disimpulkan bahwa: Dari hasil pengolahan data dan analisis data dalam
dapat disimpulkan bahwa: Daftar Efek Syariah yang merupakan penerbit
saham syariah yang melakukan kegiatan sesuai dengan prinsip syariah.
Prinsip dari (Daftar Efek Syariah) DES sendiri yaitu melakukan
pembiayaan dan investasi hanya pada kegiatan usaha yang halal, kegiatan
yang bermanfaat yang dapat dilakukan proses bagi hasil atas manfaat yang
didapatkan, uang yang dibagikan sebagai hasil harus sama dengan mata
uang yang digunakan untuk investasi, keyakinan yang dimiliki oleh
investor dan emiten atas akad yang dilakukan, tidak boleh mengambil
resiko yang melebihi kemampuan (maysir) yang dapat menimbulkan
kerugian, Daftar Efek Syariah yang merupakan penerbit saham syariah
menentang beberapa kegiatan usaha yang dengan jelas tidak sesuai dengan
prinsip syariah seperti: 1) Usaha perjudian dan permainan yang tergolong
judi atau perdagangan yang dilarang; 2) Usaha lembaga keuangan
konvensional (ribawi) termasuk perbankan dan asuransi konvensional; 3)
Usaha yang memproduksi, mendistribusi serta menyedia

PENGARUH BIAYA AGENSI TERHADAP KEBIJAKAN DIVIDEN” (Studi Pada Perusahaan Sektor Industri Barang Konsumsi Yang Terdaftar di Daftar Efek Syariah Tahun 2021-2022)

Syahrul Mubarok — 2023-08-16

Penelitian ini memiliki tujuan untuk melihat pengaruh agensi
terhadap kebijakan dividen. Penelitian ini menggunakan metode
kualititif. Dari hasil pengolahan data dan analisis data dalam penelitian
Studi Pada Perusahaan Sektor Industri Barang Konsumsi Yang Terdaftar
di Daftar Efek Syariah Tahun 2020-2021, dapat disimpulkan bahwa:
Semakin besar kepemilikan saham institusional maka Kebijakan Dividen
yang ditetapkan akan semakin besar. Keberadaan pemilik institusional
diharapkan mampu melaksanakan fungsi monitoring yang efektif terhadap
manajemen perusahaan. Semakin sedikit dividen yang dibagikan karena
adanya manajer yang merangkap menjadi pemegang saham membuat
perusahaan menjadi lebih berhati-hati dalam bertindak dan mengambil
keputusan. Hasil ini menunjukan bahwa semakin menyebarnya pemegang
saham mengakibatkan kesulitan pengawasan terhadap kinerja perusahaan,
dan salah satu alternatif yang digunakan untuk menyelesaikan masalah
tersebut adalah dengan membayar dividen, sehingga akan memperkecil
jumlah laba yang ditahan.

SEKTOR PERTANIAN UNTUK PERTUMBUHAN EKONOMI REGIONAL LAMPUNG

Wildan Alif — 2023-08-16

Penelitian ini memiliki tujuan untuk melihat sector ekonomi
untuk pertumbuhan ekonomi regional lampung. Dari hasil analisis
penelitian dan pembahasan terhadap data yang diperoleh dalam dapat
disimpulkan: 1) Berdasarkan hasil uji signifikansi pada uji T, sektor
industri makanan secara parsial berpengaruh positif dan signifikan
terhadap pertumbuhan ekonomi Kabuapten Lampung Selatan. Sektor
industri makanan yang signifikan menunjukkan adanya hubungan yang
mempengaruhi pertumbuhan ekonomi; 2) Berdasarkan hasil uji signifikansi pada uji F, sektor pertanian dan sektor industri makanan secara simultan
berpengaruh positif dan signifikan terhadap pertumbuhan ekonomi
Kabupaten lampung selatan periode 2018 hingga 2022. Berdasarkan uji R
Square, sektor pertanian dan industri makanan berpengaruh terhadap
pertumbuhan ekonomi sebesar 86,9%. Artinya, sektor pertanian dan sektor
industri makanan secara bersama-sama akan mempengaruhi pertumbuhan
ekonomi Kabupaten Lampung Selatan, setiap kenaikan nilai sektor
pertanian dan industri makanan akan meningkatakan pertumbuhan
ekonomi Kabupaten Lampung Selatan; 3) Dalam perspektif ekonomi
Islam pertumbuhan ekonomi dapat diciptakan melalui keadilan dalam
distribusi ekonomi yang merupakan hasil kerja dan tanggung jawab
seluruh elemen masayarakat dan pemerintah sebagai Khalifah yang diutus
Allah SWT. sebagai pengelola bumi dan pelaku ekonomi dalam
membangun kesejahteraan. Masyarakat dan pemerintah harus menciptakan keadilan distribusi dan mempersempit kesenjangan ekonomi
dengan prinsip tauhid, kasab dan amana.

ANALISIS PEMBERIAN KOMPENSASI DALAM MENINGKATKAN KINERJA GURU MENURUT PERSPEKTIF EKONOMI ISLAM

Yosila Oktari — 2023-08-16

Penelitian ini bertujuan untuk menganalisis pemberian
konpensasi dalam meningkatkan kinerja guru melalui perspektif Islam.
Penelitian ini menggunakan design penelitian kualitatif. Penelitian
dilaksanakan di SMP N 2 Sidomulyo. Sampel yang digunakan sebanyak
38 orang. Hasil penelitian yang diperoleh bahwa 1) Kompensasi adalah
semua pendapatan yang berbentuk uang, barang langsung dan tidak
langsung yang diterima karyawan sebagai imbalan atas jasa yang
diberikan kepada perusahaan. Pada SMP N 2 Sidomulyopemberian
kompensasi dapat dikatakan efektif dalam meningkatkan kinerja karyawan
dan pendidik. Pendidik merasa mempunyai tanggung jawab dalam
pekerjaannya dan termotivasi dengan adanya kompensasi yang berlaku; 2)
SMP N 2 Sidomulyo sudah sesuai dengan Prespektif Ekonomi Islam
dalam pemberian kompensasi yaitu dalam contoh Islam memandang
seorang buruh sebagai dari keluarga kita yang harus diperlakukan
selayaknya dan perlu dihargai keadannya walaupun hanya karyawan
biasa, pemberian kompensasi yang layak bagi karyawan merupakan
kompenen penting dalam keberlangsungan suatu menajamen. SMP N 2
Sidomulyo akan berusaha lagi membuat sistem manajemen yang adil
sesuai dengan kinerja dan mencukupi kebutuhan dasar para karyawannya.
Berdasarkan hal tersebut dapat ditarik kesimpulan bahwa kompensasi
dapat dikatakan efektif dalam meningkatkan kinerja karyawan dan
pendidik

ANALISIS PENGARUH SEKTOR PERTANIAN TERHADAP PERTUMBUHAN EKONOMI DI KECAMATAN WAY SULAN

Yusuf Maulana — 2023-08-16

Sektor pertanian yang signifikan menunjukkan hubungan yang
mempengaruhi pertumbuhan ekonomi, nilai sektor pertanian yang negatif
menunjukkan hubungan yang tidak searah dengan pertumbuhan ekonomi.
Artinya, sektor pertanian sangat mempengaruhi pertumbuhan ekonomi
karena sektor pertanian merupakan sektor unggulan dengan pendapatan
terbesar PDRB Kecamatan Way Sulan, namun setiap kenaikan sektor
pertanian akan menurunkan pertumbuhan ekonomi Kecamatan Way Sulan .
Hal ini karena kegiatan ekonomi masyarakat masih menjadi petani dan
kurangnya produktifitas pengolahan lahan dalam hasil panen. Sektor industri
pengolahan yang signifikan menunjukkan adanya hubungan yang
mempengaruhi pertumbuhan ekonomi. Sektor industri pengolahan bernilai
positif yang menunjukkan bahwa sektor industri pengolahan dan
pertumbuhan ekonomi memiliki hubungan yang searah. Sektor pertanian
secara bersama-sama akan mempengaruhi pertumbuhan ekonomi
Kecamatan Way Sulan, setiap kenaikan nilai sektor pertanian akan
meningkatakan pertumbuhan ekonomi Kecamatan Way Sulan pengelola
bumi dan pelaku ekonomi dalam membangun kesejahteraan. Masyarakat
dan pemerintah harus menciptakan keadilan distribusi dan mempersempit
kesenjangan ekonomi dengan prinsip tauhid, kasab dan amana. Keadilan
distribusi yang telah terwujud akan menciptakan kondisi sosial yang adil,
kesamaan pendapatan dan kesejahteraan masyarakat di Lampung Selatan

BISNIS JUAL BELI MOBIL BEKAS MELALUI MAKELAR DITINJAU DARI PRESPEKTIF EKONOMI ISLAM

Mufidatul Ala — 2023-08-13

Buying and selling is a transaction of replacing or
exchanging goods based on a contract, in order to aim to
meet one's needs. Buying and selling used cars in practice
can be done directly by sellers and buyers, but they need
an intermediary or broker to expedite the buying and
selling transaction process. Intermediaries or brokers in
Islam called samsara / simsar are intermediaries in buying
and selling transactions between buyers and sellers in order
to facilitate transactions. In this case it is the broker who
bridges the interests between the seller and the buyer.
This study aims to determine the business of buying and
selling used cars through brokers from an Islamic
economic perspective. This type of research is field
research. While the nature of this research is descriptive.
The data sources used are primary data sources and
secondary data sources. The data collection techniques
used are interviews and documentation. The data found in
the field are descriptive and then analyzed using inductive
thinking.
Based on the results of research that the business of buying
and selling used cars through brokers in car showroom 29
has not been carried out properly, because it has not been
in accordance with the terms and principles of a broker
regarding aspects of honesty and good faith, where the
broker is not honest in covering the actual price that has
been previously agreed at the beginning, and also the
broker raises the price without the knowledge of both
parties. As well as covering defects in goods or goods that
are not original, when held accountable the broker does not
have good faith by not wanting to be responsible for the
incident, because according to the broker the buyers have
checked the time the sale and purchase transaction
occurred. The business of buying and selling used cars
through brokers is not in accordance with Islamic
economic principles, namely the principle of divinity, the
principle of justice and the principle of responsibility

PERAN MANAJEMEN KEUANGAN DALAM PENGEMBANGAN USAHA

Rian Andika — 2023-08-06

Management is the science and art of a business
process of planning, organizing, directing, coordinating,
and controlling activities using human resources and
objects in an organization in order to achieve
organizational goals effectively and efficiently.
One of the LKP institutions that plays a role in using
financial management is LKP Kharisma college which is
seen from the results of a pre-survey conducted by
researchers that the source of income at LKP Kharisma
College Punggur, the source of income is new student
applicants of 100,000.00 rupiah and KC provides elective
programs such as Computer (3 Month Package), for
elementary, junior high, and high school. Fee Rp.
500.000,00/ Package. Bimbel SD Grade 5 and 6, Rp.
100.000,00/ Month. English, and mathematics courses for
elementary, junior high, high school, and general, at a cost;
Rp. 100.000,00/ Month. And Sewing Course (Male /
Female) at a cost of Rp. 1.500.000,00 plus 5 pieces of
practice materials. The financing can be paid in
installments according to ability.
This writing aims to find out how the role of financial
management in Business Development (Case Study at
Kharisma College Punggur Education Course
Institute).This type of research is field research, while the
nature of this research is descriptive-qualitative.using
primary data sources and secondary data sources. The goal
is to be able to describe the role of financial management
in business development at LKP Kharisma College, data
collection techniques, interviews and documentation, and
observation if needed. Interviews were conducted with the
treasurer, secretary and chairman of LKP Kharisma
College. Documentation is used to obtain data as
information material in the form of data related to financial
management activities at LKP Kharisma College and
observations are made to observe the implementation of
financial management at LKP Kharisma College.
The results of this study concluded that the role of financial
management in business development at LKP Kharisma
College affects the financial management process. Where
good management will facilitate activities that have been
planned and achieve goals well. At LKP Kharisma
College, financial management has been going quite well,
but there is still something to be improved related to the
payroll system for teaching instructors / tentors and
depreciation management on fixed assets

ANALISIS FAKTOR- FAKTOR YANG MEMPENGARUHI KEPUTUSAN MAHASISWA MEMILIH PROGRAM STUDI DI PERGURUAN TINGGI DALAM PERSPEKTIF EKONOMI ISLAM

Rega Pradana — 2023-08-06

Consumer decision marketing can be defined as a
process by which consumers assess various choices and
choose one or more alternatives that are needed for
consideration. This is backgrounded by different student
factors in choosing a study program. Students will
certainly choose a certain study program with the hope that
the chosen study program will be able to support the
educational process in the future and get a good job.
Universities must be able to know what are the factors that
influence students to choose a study program. The
formulation of the problem in this study is What factors
influence the decision of students to choose a study
program at the Faculty of Economics and Islamic Business,
UNISAN An Nur Lampung? How is the view of Islamic
Economics on the decision of students to choose a study
program at the Faculty of Economics and Islamic Business
UNISAN An Nur Lampung The method used in this study
is quantitative, this research is included in the type of field
research (field research), the nature of this research is
descriptive analysis, the data used in this study are primary
and secondary data, the population in this study is 691,
The sample taken in this study was 87 respondents using
the Slovin formula, by means of proportional sampling
techniques, data collection techniques in this study were
observation, questionnaires and documentation. Based on
the results of hypothesis test research, it partially shows
that social factors do not affect the decision of students to
choose a study program while psychological factors have
a positive and significant effect on the decision of students
to choose a study program, simultaneously showing that
together psychological factors and social factors have a
positive and significant effect on the decision of students
to choose a study program, coefficient of determination is
shown value Adjused R Square by 0.380 or 38%

PENGARUH INDUSTRI MANUFAKTUR TERHADAP PERTUMBUHAN EKONOMI PROVINSI LAMPUNG MENURUT PERSPEKTIF EKONOMI ISLAM

Selamet Nuriman — 2023-08-06

Pertumbuhan ekonomi adalah kenaikan kapasitas dalam
jangka panjang dari negara bersangkutan untuk menyediakan
berbagai barang ekonomi kepada penduduknya. Perspektif adalah
suatu kumpulan atau asumsi maupun keyakinan tentang suatu hal.
Berdasarkan analisis regresi sederhana faktor yang mempengaruhi
pertumbuhan ekonomi adalah variabel industri manufaktur. Jenis
Penelitian ini merupakan penelitian menggunkan pendekatan
kuantitatif, penelitian kuantitatif dilakukan dengan menggunakan
rancangan yang terstruktur, formal dan spesifik, serta mempunyai
rancangan operasional yang mendetail. Hasil penelitian ini
menunjukan berdasarkan hasil uji T: nilaiT hitung sebesar -9,560>
2,05954 t tabel. Jadi t hitung > t tabel maka H0 diterima dan H1
ditolak sehingga dapat disimpulkan bahwa variabel industri
manufaktur memiliki pengaruh signifikan dan negatif terhadap
pertumbuhan ekonomi.

ANALISIS PENGARUH KEBERADAAN PT.TEGUH WIBAWA BHAKTI PERSADA DI KOTA BUMI UTARA DALAM MENGURANGI TINGKAT PENGANGGURAN DITINJAU DARI PERSPEKTIF EKONOMI ISLAM TAHUN 2020-2021

Nasiah — 2023-08-06

Salah satu masalah pokok yang dihadapi bangsa dan negara
Indonesia adalah masalah pengangguran. Pengangguran yang tinggi
berdampak langsung maupun tidak langsung terhadap kemiskinan,
kriminalitas dan masalah-masalah sosial politik yang juga semakin
meningkat. Dengan jumlah angkatan kerja yang cukup besar, arus
migrasi yang terus mengalir, serta dampak krisis ekonomi yang
berkepanjangan sampai saat ini, membuat permasalahan tenaga kerja
menjadi sangat besar dan kompleks. Jenis penelitian yang digunakan
adalah penelitian kualitatif. Penelitian kualitatif adalah penelitian
eksploratif yang biasanya lebih bersifat studi kasus. Jenis penelitian
ini mempunyai proses yang lain dengan proses pada penelitian
kuantitatif. Keberadaan PT. TWBP sangat berpengaruh dalam
mengurangi tingkat pengangguran dibuktikan dengan masyarakat
Lampung Utara dapat memperoleh lapangan sesuai dengan
keterampilan dan pendidikan yang dimiliki, PT. TWBP memberikan
pelatihan khusus kepada tenaga kerja sehingga tenaga kerja dapat
menguasai pekerjaan menggunakan teknologi mesin dengan baik,
setelah bekerja di PT. TWBP pendapatan menjadi lebih baik dan
dapat memenuhi kebutuhan hidup keluarga

ANALISIS PERAN BANK SYARIAH TERHADAP PEMBERDAYAAN UMKM MELALUI PEMBIAYAAN MURABAHAH

Bella Ariska Rahmawati — 2023-08-06

Micro, Small and Medium Enterprises (MSMEs)
have a very important role in the economy in Indonesia,
because they can overcome the problems of
unemployment, employment and increased innovation. So
that it can provide opportunities for the community to open
other businesses and provide jobs. However, the problem
for micro entrepreneurs to develop their business and
increase income is capital. In this study, Bank BRI Syariah
KCP Sribhawono East Lampung which is a sharia financial
institution whose existence is expected to develop micro
businesses in an effort to overcome poverty
The formulation of the problem in this research is: (1)
What is the role of Bank BRI Syariah KCP Sribhawono
East Lampung in empowering MSMEs through
Murabahah financing? (2) What are the obstacles faced by
Bank BRI Syariah KCP Sribhawono Lampung Timur in
providing and explaining Murabahah financing? and this
study aims to determine the role of Bank BRI Syariah KCP
Sribhawono East Lampung in empowering MSMEs
through murabahah financing and the obstacles faced by
Bank BRI Syariah KCP Sribhawono East Lampung in
providing murabahah financing
This type of research includes field research. The method
used in this study is qualitative descriptive. The population
in this study amounted to 173 business actors in 2018. In
determining the sample using an error rate of 10% so that
the sample in this study amounted to 17 business actors.
This study used data collection techniques, namely
observation, interviews, documentation.
The results of this study show that the role of Bank BRI
Syariah KCP Sribhawono East Lampung in empowering
MSMEs shows that the Bank supports business actors to
improve and develop their businesses, by providing
financing and ease in applying for murabahah financing.
So that business actors can use it to advance and develop
their business. And the obstacles faced by Bank BRI
Syariah KCP Sribhawono East Lampung are guarantees
and bookkeeping problems

ANALISIS DAMPAK TINGKAT PENDAPATAN DAN PERILAKU KONSUMTIF TERHADAP KESEJAHTERAAN KELUARGA PERSPEKTIF EKONOMI ISLAM

Yusma Lukman Yasin — 2023-08-06

In general, consumptive behavior also occurs in
various regions and other communities, such as in
Adiluwih sub-district Adiluwih Pringsewu District has
many people whose lifestyle consumptive, not a few
Adiluwih people who have a livelihood As a farmer, and
his income level is uncertain every month. Every time they
harvest from the garden products some of the people who
buy new vehicles even though they already exist, then buy
clothes or items Other. Consumptive behavior in the
decision-making process of society to buy and use goods
to fulfill his satisfaction. Buying things that do not really
matter, tend to follow the trend, collecting things at home.
Expenses that are greater than those of income level, as
well as goods purchased only as a pemuas desire or just to
keep the silliness. Not a few of them who buys things even
in a debt way. Data collection techniques usedi.e.
Observation, Interviews, and documentation. As for data
analysis through qualitative analysis with a deductive
thinking approach. Based on results research that has been
carried out, that the level of income of the family adiluwih
society towards the welfare of the family there is a family
that still less prosperous because the producers can only
meet primary needs. And the consumptive behavior of the
family in the Adiluwih community there are negative and
positive impacts: Negative impact on income levels Rising
and Fixed-Income Communities with Categories well-off,
the people of Adiluwih village continue to behave in a
wasteful manner, buying the latest items without regard to
their usefulness, and do not consider before buying the
item. Impact positive with consumptive behavior of
families who buy things what they want is part of the form
of enjoying the fruits of hard work of their work. However,
if the behavior of the Adiluwih Village Community,
Adiluwih District, Pringsewu Regency, when viewed from
an Islamic perspective, then this behavior is not allowed
and forbidden by the Religion of Allah SWT

Pengaruh Tingkat Pengangguran Dan Pertumbuhan Penduduk Terhadap Pertumbuhan Ekonomi Dalam Persepektif Ekonomi Islam Di Provinsi Lampung 2021-2022

Vicky Andrian HS — 2023-08-06

Penelitian ini untuk mengetahui pengelolaan pertumbuhan
ekonomi dibutuhkan pengetahuan tentang analisis perkembangan
beberapa indikator makro ekonomi seperti pengangguran, dan
pertumbuhan penduduk. Dimana Peningkatan pengangguran, dan
pertumbuhan penduduk ini dapat menentukan tingkat pertumbuhan
ekonomi suatu wilayah. Rumusan Masalah dalam penelitian ini
apakah pengangguran, dan pertumbuhan penduduk Berpengaruh
Signifikan Terhadap Pertumbuhan Ekonomi di Provinsi Lampung
pada tahun 2021-2022 secara parsial maupun simultan. Penelitian ini
bertujuan untuk mengetahui pengaruh pengangguran, pertumbuhan
penduduk terhadap pertumbuhan ekonomi baik secara simultan
maupun parsial. Penelitian ini merupakan penelitian kuantitatif
dengan data sekunder dalam periode pengamatan 2021-2022.
Pengumpulan data sekunder menggunakan metode dokumentasi
untuk data laporan pengangguran, data pertumbuhan penduduk, dan
pertumbuhan ekonomi dari BPS, BPPRP,dan BPKAP, data yang
terkumpul dianalisis menggunakan regresi linear berganda dengan
menggunakan eviews 10. Disimpulkan bahwa model regresi yang
diestimasi layak untuk menjelaskan pengaruh tingkat Pengangguran,
dan Pertumbuhan Penduduk terhadap Pertumbuhan Ekonomi maka
dapat disimpulkan bahwa tingkat Pengangguran dan Pertumbuhan
Penduduk secara bersama-sama berpengaruh signifikan terhadap
Pertumbuhan Ekonomi provinsi lampung.

ANALISIS PENGARUH SEKTOR PERTANIAN DAN SEKTOR INDUSTRI PENGOLAHAN TERHADAP PERTUMBUHAN EKONOMI KABUPATEN LAMPUNG TIMUR PERIODE 2016-2022 DALAM PERSPEKTIF EKONOMI ISLAM

Victor Andrian HS — 2023-08-06

Pertumbuhan ekonomi adalah kegiatan pengingkatan
ekonomi masyarakat yang menyebabkan kenaikan produksi barang
dan jasa atau pendapatan naisonal. Pertumbuhan ekonomi diukur
dengan menggunakan indikator nilai tambah Produk Domestik
Regional Bruto (PDRB) atas dasar harga konstan. Tujuan penelitian
ini adalah bagaimana meneliti pengaruh sektor pertanian terhadap
pertumbuhan ekonomi Kabupaten Lampung Timur periode 2016-
2022. Bagaimana pengaruh sektor industri pengolahan terhadap
perumbuhan ekonomi Kabupaten Lampung Timur periode 2016-
2022. Bagaimana pengaruh sektor pertanian dan sektor industri
pengolahan terhadap pertumbuhan ekonomi Kabupaten Lampung
Timur periode 2016-2022, Dan bagaimana sektor pertanian dan
sektor industri pengolahan terhadap pertumbuhan ekonomi dalam
perspektif ekonomi IslamJenis penelitian menggunakan metode
kuantitatif dengan analisis deskriptif. Penelitian ini merupakan
penelitian kepustakaan dengan menggunakan data sekunder yang
bersumber dari Badan Pusat Statistik Kabupaten Lampung Timur
pada tahun 2016-2022. Metode analisis data menggunakan regresi
linear berganda dengan alat uji statistik SPSS.

Pengaruh Etika Profesi Akuntan Dan Independensi Auditor Terhadap Opini Audit Dalam Perspektif Islam

Fitria Yuli Astuti — 2023-08-06

Profesi akuntan adalah profesi yang membutuhkan
kepercayaan dari masyarakat. Adanya kasus pelanggaran etika yang
dilakukan akuntan baik ditingkat international maupun nasional perlu
mendapatkan perhatian khususnya dikalangan dunia profesi akuntan.
Tujuan dari penelitian ini adalah untuk menganalisis pengaruh etika
profesional akuntan dan independensi auditor terhadap opini audit
dan meninjau perspektif Islam pada etika profesi akuntansi.
Penelitian dilakukan pada bulan Januari hingga Maret 2022.
Berdasarkan hasil pengujian etika profesi akuntansi tidak
berpengaruh signifikan terhadap opini audit. Berdasarkan hasil
regresi dapat dilihat bahwa variabel etis profesi akuntan memiliki
thitung 0,62 dengan signifikansi 0,693. Berdasarkan hasil pengujian
independensi auditor tidak memiliki pengaruh yang signifikan
terhadap opini audit. Berdasarkan hasil regresi tampak bahwa
variabel independensi auditor memiliki thitung 0,102 dengan
signifikansi 0,724. Dan dalam perspektif Islam, etika profesi akuntan
adalah profesi yang diperlukan sebagai fardu kifayah. Seorang
akuntan muslim dituntut untuk menjalani profesinya dengan akhlak
yang baik.

ANALISIS PENGARUH SEKTOR PERTANIAN DAN SEKTOR INDUSTRI PENGOLAHAN TERHADAP PERTUMBUHAN EKONOMI KABUPATEN LAMPUNG TENGAH PERIODE 2021-2022 DALAM PERSPEKTIF EKONOMI ISLAM

Deskon Fediansyah — 2023-08-06

Pertumbuhan ekonomi adalah kegiatan pengingkatan
ekonomi masyarakat yang menyebabkan kenaikan produksi barang
dan jasa atau pendapatan naisonal. Pertumbuhan ekonomi diukur
dengan menggunakan indikator nilai tambah Produk Domestik
Regional Bruto (PDRB) atas dasar harga konstan 2010. Tujuan
penelitian ini adalah mengetahui sektor pertanian terhadap
pertumbuhan ekonomi Kabupaten Lampung Tengah periode 2021-
2022 dan pengaruh sektor industri pengolahan terhadap perumbuhan
ekonomi Kabupaten Lampung Tengah periode 2021-2022
Bagaimana pengaruh sektor pertanian dan sektor industri pengolahan
terhadap pertumbuhan ekonomi Kabupaten Lampung Tengah periode
2021-2022? Adapun tujuan dari penelitian ini adalah untuk
mengetahui seberapa besar pengaruh sektor pertanian dan sektor
industri pengolahan terhadap pertumbuhan ekonomi Kabupaten
Lampung Tengah periode 2021-2022dan mendeskripsikan dari
perspektif ekonomiIslam. Berdasarkan hasil uji signifkansi parsial
(uji T), dan Hasil uji simultan (uji F), sektor pertanian dan sektor
industri pengolahan berpengaruh positif dan signifikan terhadap
pertumbuhan ekonomi Kabupaten Lampung Tengah tahun 2021-
2022 secara bersama-sama dan hasil dari R Square sektor pertanian
dan sektor industri pengolahan memilki pengaruh sebesar 86,9%.
Dalam perspektif ekonomi Islam, sektor pertanian dan sektor industri
pengolahan berpengaruh terhadap pertumbuhan ekonomi dalam
wujud keadilan dalam distribusi.

FAKTOR-FAKTOR YANG MEMPENGARUHI PRODUKSI KOPI DALAM PERSEPEKTIF EKONOMI ISLAM STUDI PADA USAHA TANI KOPI DI MUARA JAYA II, KECAMATAN KEBUN TEBU, LAMPUNG BARAT

Desi Anggraini — 2023-08-06

Kopi merupakan salah satu komoditas ekspor yang berperan strategis
dalam perekonomian hampir dua juta rumah petani di Indonesia.
Potensi ekspor kopi Indonesia cukup tinggi karena cita rasanya yang
disukai, namun tren peningkatan produksi kopi nasional hanya 1-2%
per tahun Penelitian ini bertujuan faktor-faktor yang mempengaruhi
produksi pada usaha tani kopi di Muara Jaya II, Kecamatan Kebun
Tebu, Lampung Barat, lampung barat merupakan daerah termasuk
penghasil kopi robusta terbesar di indonesia. Faktor yang
mempengaruhi produksi usaha tani kopi di desa Muara Jaya II
diantaranya: (a) faktor modal, yang sangat berpengaruh dalam
produksi kopi adalah modal pinjaman dan modal sendiri. (b) tenaga
kerja, yang sering digunakan dalam faktor produksi kopi adalah tenaga
kerja dalam keluarga. (c) sumber daya alam (SDA), dan (d)
wirausahawan dalam produksikopi dikarenakan keterbatasan biaya,
dan teknologi. Menurut pandangan ekonomi islam -faktor yang
mempengaruhi usaha tenaga kerja, sudah menerapkan prinsip-prinsip
ekonomi islam, yaitu prinsip tauhid dan ketuhanan.

ANALISIS PENGARUH LOKASI USAHA, PENETAPAN HARGA JUAL DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN DALAM PERSPEKTIF EKONOMI ISLAM TAHUN AJARAN 2022/2023

Sahroni — 2023-08-06

This study was conducted to test the
effect of macroeconomic variables on the
profitability of Islamic commercial banks in
Indonesia for the 2013-2020 period.
Macroeconomic variables multiplied by inflation,
market share and money supply as independent
variables on the profitability of Islamic
commercial banks in Indonesia are measured
using the Return On Asset (ROA) indicator as a
dependent variable. The theories used in this study
are theories about inflation, market share, money
supply and Return On Asset (ROA). And then the
relationship of inflation to Return On Asset
(ROA), the relationship of market share to Return
On Asset (ROA) and the relationship of the
money supply to Return On Asset (ROA). This
research is a quantitative study. The samples in
this study used a saturated sample technique.
Using all populations as samples, obtained from 32
financial statements. Data analysis techniques used
in time series from 2013 to 2020. Data
management using SPSS application version 22.
Data analysis techniques using descriptive
analysis,. The results of the partial study (t test)
stated that there was no effect of inflation on
Return On Asset (ROA). There is an influence of
market share on Return On Asset (ROA). There is
no effect of the money supply on Return On Asset
(ROA)

ANALISIS PROGRAM PENGEMBANGAN USAHA AGRIBISNIS PEDESAAN DALAM MENINGKATKAN PENDAPATAN ANGGOTA GABUNGAN KELOMPOK TANI DITINJAU DARI PERSPEKTIF EKONOMI ISLAM (Studi Kasus Desa Way Halom Kec. Buay Madang Kabupaten OKU Timur)

Yumami — 2023-08-06

Rural Agribusiness Business Development
(PUAP). PUAP is a program of the Ministry of Agriculture
for farmers in rural areas in order to improve the quality of
life, independence, and welfare by facilitating business
capital assistance for owner farmers, sharecroppers,
agricultural workers and farming households. The purpose
of the study was to determine the rural agribusiness
business development program in increasing the income of
members of the Farmer Group Association in Way Halom
Village, Buay Madang District, East OKU Regency. Data
analysis uses qualitative analysis, which is the process of
systematically searching and compiling data obtained from
interviews, field notes and documentation.
Based on the results of research and discussion, it can be
concluded that the implementation of the Rural
Agribusiness Business Development program in
increasing the income of members of the Farmer Group
Association from an Islamic economic perspective in Way
Halom Village, Buay Madang District, East OKU Regency
has been carried out well, where the procedure for
implementing PUAP Funds in Buay Madang District,
namely by means of the Ministry of Agriculture, is
channeled to the association account in accordance with
the Business Plan Together (RUB), then from the
Association is distributed to farmer groups in accordance
with the Group Business Plan (RUK), after which PUAP
funds received by farmer groups are distributed to member
farmers in accordance with the Member Business Plan
(RUA).

DAMPAK PENGEMBANGAN PARIWISATA TERHADAP SOSIAL EKONOMI MASYARAKAT (PADA TAMAN WISATAPANTAI KELAPA RAPAT, DESA BATU MENYAN KECAMATAN TELUK PANDAN, KABUPATEN PESAWARAN)

Zainal Apriadi — 2023-08-06

Lampung Province is one of the provinces in
Indonesia which has a lot of good tourism places that are
no less interesting than other provinces. Pesawaran
Regency as one of the areas in Lampung province which
has quite a lot of tourism potential that can be developed
more seriously, one of the tourist objects being developed
by the Lampung TNI-AL which is managed by the
Lampung TNI-AL Cooperative is Kelapa Meeting Beach.
Kelapa Meeting Beach is one of the local objects which has
become a mainstay tourist spot for the City of Lampung to
date. Kelapa Meeting Beach is located in Batu Menyan
Village, Teluk Pandan District, Pesawaran Regency which
is a place for local and foreign tourists to come for
recreation, thus it can be said that such conditions have
definitely increased income for both the Government,
Entrepreneurs and Communities around the Park area
Kelapa Meeting Beach Tourism. The formulation of the
problem in this study is what is the impact of tourism
development on the socio-economic community, and what
is the Islamic economic view of the socio-economic
development of the community in the Kelapa Mediterania
beach area, Batu Menyan Village, Teluk Pandan District,
Pesawaran Regency. tourism development on the socioeconomic community, and what are the views of the
Islamic economy on tourism development on the socioeconomic community in the coconut meeting beach area,
Batu Menyan Village, Teluk Pandan District, Pesawaran
Regency. This research is a descriptive analysis. Sources
of data used are primary data and secondary data. By using
data collection methods, namely observation, interviews,
questionnaires, and documentation. The results showed
that the impact of tourism development on the socio-
economic community in the dense coconut beach tourist
attraction area showed a positive impact on human,
economic, socio-cultural and environmental resources.

IMPLEMENTASI MANAJEMEN RANTAI NILAI GUNA MENINGKATKAN DAYA SAING PRODUK KEDAI KOPI DALAM PERSPEKTIF EKONOMI ISLAM (Studi Kasus pada Kedai Kopi Nyala Coffe Roastery Bandar Lampung)

May Sujana — 2023-08-06

In this era of globalization, competition in doing
business is getting tougher. This can be seen from the
number of similar businesses established that offer the
same goods and services in a market. In order for
organizations to continue to survive and run their business,
they must continue to correct business deficiencies
continuously. According to Lupiyoadi and Hamdani, the
dynamics that occur in the service sector can be seen from
the development of various service industries such as
banking, insurance, aviation, telecommunications, retail,
Coffe Shop, tourism, and professional service companies
such as accounting firms, consultants and lawyers as well
as beauty clinic doctors. Based on previous research
conducted by Mardian and Novia Kusrini in 2016, it is
stated that value chain activities in the pepper commodity
business do not only involve the main activities, but there
are supporting activities that are indirectly involved in the
pepper commodity value chain and this research also aims
to determine the function and dynamics of the value chain
by identifying roles/actors and providing solutions by
encouraging increased income Companies in
implementing a competitiveness strategy that is to use a
low-cost focus strategy and differentiationBased on the
results of research discussions on the implementation of
sharia values in value chain management in increasing
competitiveness in coffee products at Kedai Nyala Coffe
Roastery, the value chain in supporting (secondary)
activities as a whole shows positive things in supporting
performance in the main (primary) activities to create coffe
roastery products. Improving the company's
competitiveness through value chain analysis on the
activities of the supporters (secondary) the company sortsout the details and examines each of its activities. Theresults of the value chain analysis assessment in increasingthe competitiveness of theshop all synergize with eachother to form, support, and support the coffee making
process

Pengaruh Komisaris Independen dan Dewan Pengawas Syariah Terhadap Manajemen Laba Pada Bank Syariah Indonesia Periode 2017-2021

Rinaldi Antoni — 2023-08-06

Penelitian ini bertujuan untuk menguji bagaimana
pengaruh komisaris independen dan dewan pengawas syariah
terhadap manajemen laba pada bank umum syariah di Indonesia.
Dalam penelitian ini menggunakan metode pendekatan penelitian
secara kuantitatif. Dengan metode pengambilan sampel
menggunakan Purposive sampling. Penelitian ini menggunakan data
sekunder berupa laporan tahunan (Annual Report). Sampel yang
digunakan dalam penelitian ini terdiri dari 14 Bank Umum Syariah di
Indonesia periode 2017-2021. Metode analisis yang digunakan dalam
penelitian ini adalah regresi data panel dan menggunakan program
Eviews 9. Hasil penelitian menunjukan bahwa Komisaris independen
yang diukur dengan membandingkan jumlah komisaris independen
terhadap jumlah total dewan komisaris terbukti berpengaruh negatif
dan signifikan terhadap manajemen laba. Dewan pengawas syariah
yang diukur dengan jumlah rapat dewan pengawas syariah
berpengaruh positif dan tidak signifikan terhadap manajemen laba.
Kesimpulan dalam penelitian ini menunjukan semakin banyak
komisaris independen maka semakin turun praktek manajemn laba,
dan dewan pengawas syariah hanya sebagai pemenuhan regulasi saja.

PENGARUH PROFITABILITAS, LIKUIDITAS, AKTIVA PRODUKTIF DAN RASIO KECUKUPAN MODAL TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH (Studi Pada Laporan Keuangan Bank Sariah Periode 2017/2022)

Septian Agung Maulana — 2023-08-06

The factor that people consider in investing their
funds in Islamic banks is the profit sharing factor. One of
them is through mudharabah deposits. The indication of
the profit sharing rate of mudharabah deposits is
influenced by internal factors, namely related to the
financial performance of Islamic banks which is reflected
in financial ratios such as ROA, FDR, NPF and CAR.
The formulation of the problem in this study is whether
the influence of ROA, FDR, NPF, and CAR on the profit
sharing rate of mudharabah deposits partially The purpose
of this study is to determine the effect of ROA, FDR,
NPF and CAR on the profit sharing rate of mudharabah
deposits partially. Types of quantitative research. The
research methodology used is the documentation method.
Secondary data source with Purposive Sampling
technique. The results of this study show that together the
variables ROA, FDR, NPF, and CAR have a significant
effect on the profit sharing rate of mudharabah deposits.
The coefficient of determination (R2) test was 48.54%
while the remaining 51.46% was influenced by other
factors outside the study. Partial ROA has an insignificant
positive effect on the profit sharing rate of mudharabah
deposits with a t-statistical value of 0.7704 and a
significance value of 0.4424. FDR has an insignificant
negative effect on the profit sharing rate of mudharabah
deposits with a t-statistical value of -0.8788 and a
significance value of 0.3811 this is because the source of
financing funds does not only come from depositsso that
the profit share received from all financing is not only
channeled to deposit investors, but also to savings and
current account customers. CAR has a positive and
significant effect on the profit sharing rate of mudharabah
JURNAL AZ-ZAHRA : JURNAL EKONOMI DAN BISNIS ISLAM xx (xx): xx-xx (20xx)
deposits with a t-statistical value of 2.9976 and a
significance value of 0.0033 which means that the
company's capital in addition to supporting the operations
of Islamic banks is also to protect depositors by
debunking all losses to the company

PENGARUH MODAL DAN UPAH TERHADAP PENYERAPAN TENAGA KERJA DALAM PERSPEKTIF EKONOMI ISLAM ( STUDI PADA PERUSAHAAN PROPERTI DI KOTA BANDAR LAMPUNG

Eko Cahyono — 2023-08-06

Capital is a set of money or goods that are used
as a basis for carrying out a job where if the greater the
capital invested will increase the use of labor, and if the
capital increases, the profit will increase, so the company
will maximize profits by increasing the number of sales
with a large amount of capital. Labor is one of the factors
of production, if there is no labor then production is not
biased to run smoothly. The formulation of the problem
in this study is whether capital and wages affect the
absorption of labor in property companies in Bandar
Lampung City partially, whether capital and wages affect
the absorption of labor in property companies in Bandar
Lampung City simultaneously, how the Islamic economic
view of capital and wages in property companies in
Bandar Lampung City. This study aims to determine the
effect of capital on labor absorption in property
companies in Bandar Lampung City and the effect of
wages on labor absorption in property companies in
Bandar Lampung City. Overall, the results of multiple
linear regression analysis and hypothesis tests can be
concluded that simultaneously it can be concluded that
independent variables including capital (X1) and wages
(X2) simultaneously and significantly affect the labor
dependent variable (Y) namely F count = 3.837 > F table
= 3.34 and sig of 0.034 < 0.05. Partially it can be
concluded that the variable X1 (capital) has a contribution
to Y (employment) of 2.712 with a sig of 0.011 < 0.05
and has a calculated T of 2.712 and T table = 2.052. The
variable X2 (wages) has no contribution to Y
(employment) because it has a calculated T value of -
0.407 with a sig of 0.687 > 0.05 and a T count of < T of
the table.

PENGARUH MODAL DAN UPAH TERHADAP PENYERAPAN TENAGA KERJA DALAM PERSPEKTIF EKONOMI ISLAM ( STUDI PADA PERUSAHAAN PROPERTI DI KOTA BANDAR LAMPUNG

Siti Mulyanah — 2023-08-06

ANALISIS DAMPAK PEMEKARAN WILAYAH TERHADAP PERTUMBUHAN EKONOMI DI KABUPATEN LAMPUNG BARAT DALAM PERSPEKTIF EKONOMI ISLAM

Gadis Ayu Apriasari — 2023-08-06

Penelitian ini bertujuan untuk mengetahui pengaruh
pemekaran wilayah terhadap pertumbuhan ekonomi Kabupaten
Lampung Barat dengan menganalisis pengaruh PD, JP, IPM serta
bagaimana pertumbuhan ekonomi di Kabupaten Lampung Barat
ditinjau dalam perspekstif ekonomi Islam.Berdasarkan hasil uji beda
paired t-test nilai signifikansi diperoleh 0.352 >0.05 maka
menunjukkan bahwa tidak terdapat perbedaan sebelum dan setelah
pemekaran wilayah terhadap pertumbuhan ekonomi di Kabupaten
Lampung Barat. atau nilai sinifikan (0.042 < 0.05). Pengujian
menggunakan uji F menunjukkan bahwa ketiga variabel berpengaruh
secara signifikan terhadap pertumbuhan ekonomi di Kabupaten
Lampung Barat dengan nilai signifikan 0.000 < 0.05. Kesimpulan
penelitian ini menunjukkan tidak ada perbedaan pertumbuhan
ekonomi Kabupaten Lampung Barat sebelum dan sesudah pemekaran
dikarenakan tidak terjadi peningkatan PDRB. Islam memandang
Pertumbuhan ekonomi Kabupaten Lampung Barat belum optimal
karena pertumbuhan ekonomi Kabupaten Lampung Barat masih belum
diiringi dengan meningkatnya PDRB, penurunan kemiskinan dan
masih adanya ketimpangan distribusi pendapatan

ANALISIS PENGARUH SEKTOR PERTANIAN DAN SEKTOR INDUSTRI PENGOLAHAN TERHADAP PERTUMBUHAN EKONOMI KABUPATEN LAMPUNG TENGAH DALAM PERSPEKTIF EKONOMI ISLAM

Dewi Masfufah — 2023-08-06

Economic growth is the economic improvement
of society that causes an increase in the production of
goods and services or naisonal income. Economic growth
is measured using value-added indicators of Gross
Regional Domestic Product (GRDP) on the basis of
constant prices in 2010. The economic growth of Lampung
Tengah Regency fluctuates and tends to decline every year.
The main sectors with great added value to GRDP are the
agricultural sector and the processing industry sector. The
formulation of this research problem is how does the
agricultural sector affect the economic growth of Lampung
Tengah Regency for the 2018-2021 period How does the
processing industry sector affect the economic
development of Lampung Tengah Regency for the 2018-
2021 period. And how do the agricultural sector and the
processing industry sector respond to economic growth in
an Islamic economic perspective?. The purpose of this
study is to find out how much influence the agricultural
sector and the processing industry sector have on the
economic growth of Lampung Tengah Regency for the
2018-2021 period and describe it from an Islamic
economic perspective. Based on the results of the partial
signification test (T test), the agricultural sector has a
negative and significant influence on the economic growth
of Lampung Tengah Regency. Partially, the processing
industry sector has a positive and significant effect on the
economic growth of Lampung Tengah Regency. The
results of the simultaneous test (F test), the agricultural
sector and the processing industry sector had a positive and
significant effect on the economic growth of Lampung
Tengah Regency in 2018-2021 together and the results of
JURNAL AZ-ZAHRA : JURNAL EKONOMI DAN BISNIS ISLAM xx (xx): xx-xx (20xx)
the R Square in the agricultural sector and the processing
industry sector had an influence of 86.9%.

PERAN BMT NU DALAM PEMBERDAYAAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KECAMATAN PRINGSEWU

Muhammad Akbar — 2023-08-06

This thesis discusses the Role of BMT NU in
Empowering Small Micro Enterprises in Pringsewu
District. The development of micro-enterprises has a very
close relationship with efforts to empower the poor who
are the main actors of the business. BMT NU Pringsewu
District as one of the Islamic financial institutions is
present as a form of development of the aspirations of
people who want economic activities based on sharia
principles, can get small communities out of poverty and
from the entanglement of loan sharks. The purpose of this
study is to find out about the Role of BMT NU in
Empowering Small Micro Enterprises in Pringsewu
District. This type of research is field research, which is
qualitative, namely by using observation techniques,
interviews, and documentation. Obeservation and
interviews conducted by researchers directly involved with
BMT NU in Pringsewu District while documentation is
carried out by collecting documents related to the
development of small micro enterprises. The results of this
study show that the role of BMT NU in empowering small
micro enterprises in Pringsewu District has been very
optimal, this is evidenced by the opening of jobs in various
sectors to absorb labor and improve the welfare of the
community, especially small or underprivileged
communities. However, there are several problems that
must be faced by BMT NU Pringsewu District, including
from external parties (customers) and internal parties of
BMT NU Pringsewu District. Nevertheless, BMT NU
Pringsewu District still has specific strategies in dealing
with these problems.

ANALISIS PENGARUH LOKASI USAHA, PENETAPAN HARGA JUAL DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN DALAM PERSPEKTIF EKONOMI ISLAM

Bagas Subakti — 2023-08-06

Provinsi Lampung merupakan salah satu dari sekian
banyak daerah yang cukup banyak dikunjungi oleh para wisatawan.
Hal ini di dukung oleh program pemerintah yang mengajak
wisatawan mengeksplorasi keindahan cagar alam dan budaya yang
dimiliki oleh provinsi Lampung. Penelitian yang digunakan adalah
penelitian lapangan (fieldresearch) yaitu dengan mencari sumbersumber data langsung di Outlet Waleu Kaos Lampung. Penelitian ini
menggunakan metode kuantitatif, dengan menginterprestasikan
variabel independen dan variabel dependen. Penelitian ini bersifat
deskriptif analisis yaitu penelitian yang berusaha untuk menuturkan
pemecahan masalah yang ada sekarang berdasarkan data-data. Hasil
Penelitian menunjukan bahwa variabel kualitas produk paling
berpengaruh terhadap keputusan pembelian konsumen. Dimana
Waleu Kaos Lampung memproduksi barang dengan kualitas produk
yang cukup baik di bandingkan dengan outlet sejenis lainnya.

KETERKAITAN SEKTOR PERTANIAN DAN SEKTOR INDUSTRI PENGOLAHAN TERHADAP PERTUMBUHAN EKONOMI KABUPATEN LAMPUNG TENGAH PERIODE 2014 -2022 DALAM PERSPEKTIF ISLAM

Sri Puji Astuti Rahayu Ningsih — 2023-08-06

Economic growth is the economic improvement
of society that causes an increase in the production of
goods and services or naisonal income. Economic growth
is measured using value-added indicators of Gross
Regional Domestic Product (GRDP) on the basis of
constant prices in 2010. The economy of a region can be
seen from aggregate economic growth calculated through
the GRDP value which is on average derived from its
sectoral growth rate. The economic growth of Lampung
Tengah Regency fluctuates and tends to decline every
year. The main sectors with great added value to GRDP
are the agricultural sector and the processing industry
sector. The purpose of this study is to find out how much
influence the agricultural sector and the processing
industry sector have on the economic growth of Lampung
Tengah Regency for the 2014-2022 period and describe it
from an Islamic economic perspective. This type of
research uses quantitative methods with descriptive
analysis. This research is a literature research using
secondary data sourced from the Central Statistics
Agency of Lampung Tengah Regency in 2014-2022.
Based on the results of the partial signification test (T
test), the agricultural sector has a negative and significant
influence on the economic growth of Lampung Tengah
Regency. Partially, the processing industry sector has a
positive and significant effect on the economic growth of
Lampung Tengah Regency. The results of the
simultaneous test (F test), the agricultural sector and the
processing industry sector had a positive and significant
effect on the economic growth of Lampung Tengah
Regency in 2014-2022 together and the results from R
Square in the agricultural sector and the processing
industry sector had an influence of 86.9%. In the Islamic
economic perspective, the agricultural sector and the
processing industry sector influence economic growth in
the form of justice in the distribusi.

ANALISIS PENGARUH LOKASI USAHA DAN PENETAPAN HARGA JUAL DALAM PERSPEKTIF EKONOMI ISLAM

Khuswatun Khasanah — 2023-06-13

Consumer decision making is an integration process that combines knowledge to evaluate two or more alternative behaviors and choose one of the results of this integration process is a choice that is presented cognitively as a behavioral desire. It does not mean that the decision-making process must appear at all times when such behavior is expressed. According to Kotler and Kellerthe purchasing decision consists of five stages, namely: Needs Recognition, Information Search, Alternative Evaluation, Purchase Decision, Post-Purchase Behavior. The formulation of the problem in this study is Whether Business Location, Selling Price Determination and Product Quality affect Consumer Purchasing Decisions in Waleu Kaos Lampung In Islamic Economic Perspective.The purpose of this study is to determine the Influence of Business Location, Selling Price Determination and Product Quality on Consumer Purchase Decisions in Waleu Kaos Lampung in an Islamic Economic Perspective.This research is included in field research (Field Research), by using quantitative approach methods. The data used are primary data and secondary data. The population in this study was 750 consumers and a sample of 88 resopondents using the Slovin Formula. Sample determination is carried out by non-probability sampling with accidental sampling technique. Based on the results of the study, the Fhitung value of 4,427 > Ftabel was 2.71 so that it can be concluded that Ho was rejected and Ha was accepted which means that there is an influence between Business Location, Pricing and Product Quality on Consumer purchasing decisions Furthermore, the partial influence is known that the Business Location Variable and Selling Price Determination have no significant effect and the Product Quality Variable with a calculated value of 3.610 with a significance of 0.001

FAKTOR-FAKTOR YANG MEMPENGARUHI PRODUKSI KOPI DALAM PERSEPEKTIF EKONOMI ISLAM (STUDI PADA USAHA TANI KOPI DI TALANG PADANG, TANGGAMUS)

Ferdi Hidayat — 2023-08-07

Limited capital will limit business owners in
running their business. Therefore, financing will be very
helpful in fulfilling the capital of business owners.
Financing is the focus of this research because financing
plays an important role for business owners which, if
utilized optimally, will greatly help the development of
their business not only run sober. The formulation of the
problem that the author will discuss in this study is how is
the implementation of business partner financing in the
Sehati Sharia Cooperative in fulfilling business capital?
and how the role of business partner financing in
increasing member business income The goal to be
achieved in this study is to find out how to finance business
partners in Koperasi Syariah Sehati Bandar Lampung and
to find out the role of financing business partners of
Koperasi Syariah Sehati in increasing the business income
of its members. The results of this study show that:
Business Partner Financing carried out by the Sehati
Bandar Lampung Sharia Cooperative is managed with
murabahah and wakalah contracts. Business partner
financing greatly provides an important role to partner
members such as: fostering the desire for entrepreneurship,
supporting member businesses, providing a sense of
comfort to partner members in providing business capital
and creating jobs.

FAKTOR-FAKTOR YANG MENYEBABKAN MENINGKATNYA HARGA TANAH AKIBAT PENGEMBANGAN WISATA DAM RAMAN DI METRO (Studi Kasus Wisata Dam Raman)

Abdul Aziz — 2023-08-07

ANALISIS MEKANISME PENETAPAN HARGA JUAL DALAM PERSPEKTIF PRINSIP-PRINSIP EKONOMI SYARIAH

Riki Kurniawan — 2023-08-07

One of the important activities in economic life is
the exchange of goods and services, where these activities
will form a price. In the concept of Islamic economics, the
purpose of holding buying and selling transactions is to
seek the pleasure of Allah SWT, not to increase wealth or
maximize profits. In determining the price of an item, it
must be agreed and generally applicable, currently
minimarkets and modern shops including the Arafat Store
in setting prices using the odd price determination
mechanism, which is setting prices with nominal prices or
currencies that do not apply such as Rp.5,675, odd price
pricing contains elements of vagueness and will harm
buyers because at the time of payment the price will be
rounded and the seller takes more profit through Price
rounding done by the seller.
This research is a causative research, the collection of
research data is carried out by holding observations or
observations and interviews, with the object of research in.
This study aims to analyze and review based on the
principles of Sharia Economics regarding the mechanism
of selling prices in Toko Arafat which uses pricing with the
use of unclear nominal prices.
Based on the results of research and analysis of the selling
price determination mechanism, it can be concluded that
the nominal pricing mechanism is unclear or odd price
determination using fairness-based pricing, pricing is in
accordance with Islamic economic principles because the
price set does not tyrannize buyers to take advantage of a
reasonable level. does not take advantage of the rounded
odd price rounding results, but the rest of the rounding
results will be collected and transferred to social funds in
collaboration through the Baitul Maal Hidayatullah
(BMH) institution, which is an amil zakat social institution
engaged in collecting zakat, infaq, and sodaqah funds. And
odd price pricing is the equilibrium point between the
forces of supply and demand that is voluntarily agreed
upon willingly by sellers and buyers.

ENDORSEMENT SEBAGAI ALAT PEMASARAN MELALUI MEDIA SOSIAL DALAM PERSPEKTIF HUKUM EKONOMI SYARIAH

Fitri Haidayati — 2023-08-07

The development of information media in
Indonesia has caused many forms of advertising and types
of advertisements such as on Instagram social media.
Currently Instagram has penetrated into a business land for
someone in promoting and selling products, goods or
services to other Instagram users. To attract consumers, a
company or Online Shop uses various kinds of promotions.
One of them is marketing through endorsment.
Endorsement is a channel of brand communication, where
celebrities act as spokespersons and endorse the brand with
all attributes of popularity, personality, and social status of
the celebrity. But often endorsers or celebrities in
promoting a product through social media are not honest
or give a wrong perception or are not in accordance with
the quality of the product advertised to consumers.
This study aims to find out how endorsment as a marketing
tool through social media in the perspective of sharia
economic law. This type of research is field research.
While the nature of research is descriptive. Data collection
was conducted using interview and documentation
techniques. The data findings are described descriptively
and analyzed using inductive thinking.
Based on the results of research and discussion, researchers
can conclude that: The practice of endorsment in IAIN
Metro students still has celebrities who are dishonest or
give perceptions that contain elements of fraud or are not
in accordance with the quality of products promoted to
consumers and promotions that cannot be proven true. This
endorsment practice is allowed if it is in accordance with
the rules of an endorser. Such as using good and polite
language, not showing aurat, not containing immorality or
slander by comparing promoted products with other
products and promotions that contain real and true praise
and not engineered

ANALISIS MINAT MASYARAKAT MUSLIM MENJADI NASABAH BANKSYARIAH (STUDI KASUS DI KECAMATAN MARGA SEKAMPUNG LAMPUNG TIMUR)

Muhammad Arif — 2023-08-07

Perkembangan perbankan syariah di Indonesia
saat ini sedang mengalami kemajuan. Hal ini dibuktikan
dengan banyaknya Bank Konvensional yang mulai
membuka Unit Usaha Syariah. masyarakat untuk
menjadi nasabah di Bank Syariah masih rendah. Tujuan
penelitian ini adalah untuk mengetahui sistem sosialisasi
yang dilakukan oleh bank syariah di Marga Sekampung dan
Untuk mengetahui minat masyarakat Muslim Marga
Sekampunguntuk menjadi nasabah pada bank syariah.
Penelitian ini menggunakan pendekatan kualitatif. Namun perkembangan Bank Syariah tersebut belum mampu mempengaruhi minat masyarakat menjadinasabah Bank Syariah. Kondisi tersebut terjadidi Gampong Pondok Kemuning yang seluruh
masyarakatnya beragama Islam. Akan tetapi minat Subjek
penelitian adalah masyarakat Marga Sekampung .
Sampel penelitian ini sebanyak 10 orang dengan
menggunakan metode purposive sampling. Teknik
pengumpulan data yang digunakan adalah wawancara.
Metode analisis yang digunakan adalah kualitatif deskriptif
Hasil dari penelitian menunjukan bahwa sosialiasi belum
pernah dilakukan secara langsung oleh pihak bank kepada
masyarakat di Marga Sekampung, Pendekatan dan
penawaran produk yang dilakukan oleh Bank Syariah
masih kurang. Minat masyarakat Marga Sekampung
disebabkan oleh sosialisasi, penawaran produk,
pengetahuan dan pendapatanyang diperoleh masyarakat.

TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP ARISAN PERHIASAN EMAS DI KELURAHAN IMOPURO KECAMATAN METRO PUSAT

Imam Alwan Hakim — 2023-08-07

Arisan is part of muamalat that is familiar to
people in Indonesia. Arisan can be interpreted as the
activity of collecting money or goods of equal value by
several people then drawn among them to determine who
gets it, lots are held at a meeting periodically until all
members get it. Today, there are various forms of social
gatherings along with the times. One of the arisan that is
currently much favored by some people is the gathering of
goods in the form of gold. Gold arisan is much popular
because of all the types of arisan that exist, gold arisan is
considered more profitable, because gold prices tend to be
stable and even continue to rise.
This study aims to determine the views of sharia economic
law on gold jewelry arisan in Imopuro Village, Central
Metro District. This type of research is field research.
While the nature of the research is descriptive. The data
sources used are primary and secondary data sources. Data
collection was conducted using interview and
documentation techniques. The data findings are described
descriptively and analyzed using inductive thinking.
The results of this study concluded that the implementation
of gold jewelry gathering in Imopuro Village, Central
Metro District, was halal. This is because the gathering
does not violate the principles of muamalah. The gathering
is formed by mutual agreement with a contract and is
carried out on the basis of pleasure, there is no element of
deception, and there is no khiyar. The gathering brings
benefits that members can own gold jewelry in
installments

PEMAHAMAN MASYARAKAT TENTANG PERBANKAN SYARIAH (Studi Kasus di Kampung Adi Jaya Kecamatan Terbanggi Besar Kabupaten Lampung Tengah)

Miftahul Jannah — 2023-08-07

Islamic banks in terms of their current
development are not lagging behind with progress as well
as conventional banks. Conventional banking that
implements an interest system goes side by side with
Islamic banking that implements a profit-sharing system.
The problem faced by Islamic banks is the low public
knowledge about Islamic banking, especially caused by
the dominance of conventional banking so that Islamic
banking is still underestimated. The purpose of this study
is to find out how the public understands Islamic banking
in Adi Jaya Village, Flygi Besar District, Central
Lampung Regency.
This type of research is field research conducted in
Kampung Adi Jaya. The nature in this study is a
qualitative descriptive method. There are two sources of
data in this study, namely primary data sources and
secondary data sources. The primary data source is
obtained directly from the community, while the
secondary data source that the researchers use is in the
form of Kampung Adi Jaya documents and from various
books. To obtain valid data, researchers use a data
collection method, namely interviews. After the data is
collected, the researcher analyzes using qualitative data
analysis techniques using inductive methods..
The results of field research show that the understanding
of the public about Islamic banks in Kampung Adi Jaya is
that people only know the existence of Islamic banks but
do not understand Islamic banks in detail. Only some
people understand about Islamic banks and some even
don't know about Islamic banks at all. Most people do not
know what products and services are available in Islamic
banks. Lack of understanding from the public due to the
lack of information obtained from Islamic banks and
media such as television, print media and social media
which causes people not to know what Islamic banks are
and what products are in Islamic banks

OPTIMALISASI PERAN BMT EL IHSAN MUBAROK PRINGSEWU DALAM MEMINIMALISIR RENTENIR DI LINGKUNGAN MASYARAKAT KECAMATAN PRINGSEWU TAHUN 2022

Septiya Maharani — 2023-08-07

The purpose of this study is to determine the role
of BMT El Ihsan Mubarok Pringsewu in an effort to
minimize the practice of loan sharks and the role of El
Ihsan Mubarok Pringsewu in an effort to minimize the
practice of loan sharks in an Islamic economic
perspective.This research is a field research (field
research), descriptive. The data source used is derived
from primary data and secondary data. The method of data
collection is carried out through interviews, documentation
and observation. sampling technique using purposive
sampling and obtained samples in this study were 2 BMT
El Ihsan Mubarok Pringsewu employees and 4 BMT
members who were trapped in the practice of loan
sharking. The data analysis used is qualitative data analysis
with a deductive thinking approach. Based on the results
of the study, it can be concluded that the role of BMT El
Ihsan Mubarok Pringsewu in an effort to minimize the
practice of loan sharking in the community is carried out
through socialization, coaching and a ball pick-up system
as a way for people to leave dependence on loan sharks.
There are now 15 members already refinancing at BMT El
Ihsan Mubarok Pringsewu although not fully. The role of
BMT El Ihsan Mubarok Pringsewu in an effort to minimize
the practice of loan sharks in an Islamic economic
perspective is an effort to distance the public from the
practice of usury which is synonymous with the practice of
loan sharking.

PENGARUH SEKTOR INDUSTRI PENGOLAHAN DAN PERDAGANGAN TERHADAP PDRB PERIODE 2006-2021 DALAM PERSPEKTIF PEMBANGUNAN EKONOMI ISLAM DI LAMPUNG TENGAH

Alfina Rachmawati — 2023-08-07

Human resources have an important role in an
organization, The demands of the era of globalization and the
era of free competition are currently expected by organizations
Must have quality, innovative and creative human
resources.Because the organization is a network and the
decisions of policy successors and Decision. Compensation is
used as a performance benchmark with the goal of getting
qualified employees, retaining employees and make a good
contribution to the organization. This study has two
formulations of the problem, namely whether compensation
given can improve the performance of employees of Teluk
Student Park Junior High School Betung and whether
compensation is applied to employees Taman Siswa Teluk
Betung Junior High School is in accordance with Islamic
Economics. While the purpose of this study is to find out the
compensation in improving the performance given to teachers
at Taman Siswa Teluk Junior High School Betung, to find out
the Islamic Economic view of giving compensation to teachers
at Taman Siswa Teluk Betung Junior High School, Bandar City
Lampung and to determine the effect of compensation on
teacher performance at Taman Siswa Teluk Betung Junior
High School The results showed that compensation in
improving teacher performance can be said to be
effective. influences include; Teachers communicate
well, are more responsible with their work, teachers are
more disciplined in carrying out their duties, for better
attendance. The compensation given to employees of
Taman Siswa Teluk Betung Junior High School is in
accordance with what is taught by Islamic Economic
theories.

PENGARUH KOMISARIS INDEPENDEN DAN DEWAN PENGAWAS SYARIAH TERHADAP MANAJEMEN LABA

Eka Prilia Astuti — 2023-08-07

Profit management is an action taken by
management by increasing or decreasing profits through
accounting policies on financial statements carried out by
company management that will affect the profit displayed
in the financial statements. Where there is an Islamic
banking agency in charge of supervising Islamic banking
and providing advice to directors and management if
something goes wrong, so that Islamic banking runs well,
including independent commissioners and sharia
supervisory boards. Whether the existence of an
independent commissioner and sharia supervisory board
can reduce profit management practices, which will help
users of financial statements in making decisions. The
purpose of this study is to find out how the influence of
independent commissioners on profit management and
how the influence of sharia supervisory boards on profit
management. The dependent variables in this study are
profit management, while the independent variables are
independent commissioners and sharia supervisory boards.
This type of research is quantitative research, with a
sampling method using Purposive sampling. The results of
this study show that the independent commissioner
variable has a negative and significant effect on profit
management, while the sharia supervisory board variable
has a positive and insignificant effect on profit
management. The conclusions in this study show that the
more independent commissioners, the lower the practice of
profit management, and the sharia supervisory board is
only as a fulfillment of regulations.

PENETAPAN MARGIN MURABAHAH DALAM PERSPEKTIF EKONOMI SYARIAH (Studi Kasus BMT Amanah Kantor Cabang Nabang Baru Kec. Marga Tiga Kab.Lampung Timur)

Herman Saputra — 2023-08-07

BMT is an institution that has a role to conduct
guidance and funding in the sharia system. BMT also
offers several products including fund storage products
(wadiah, current accounts, savings, and time deposits) and
fund distribution (mudharabah, murabahah, salam
istishna). But in fact, of the several products offered,
financing products with the principle of buying and selling
(murabahah) are most in demand by the public. Murabahah
is a contract to buy and sell goods by stating the acquisition
price of an item and profit (margin) determined based on
mutual agreement. Margin is a certain gross profit or
percentage profit obtained from the difference between the
selling price of an item by BMT to members with the
agreed profit (margin), so that the reward (fee) obtained
from buying and selling transactions can be known.
This study aims to find out how the margin determination
in BMT Amanah Nabang Baru Branch Office Kec. Marga
Tiga Kab. East Lampung in the perspective of sharia
economy. This type of research is field research. While the
nature of the research is descriptive. The data sources used
are primary and secondary data sources. Data collection
was conducted using interview and documentation
techniques. The data findings are described descriptively
and analyzed using inductive thinking.
The results of this study concluded that the amount of
murabahah financing margin at BMT Amanah Nabang
Baru Branch Office Kec. Marga Tiga Kab. East Lampung
was influenced by the large purchase price of goods
submitted by members, costs incurred and the level of
profit expected by BMT. In determining margins, it must
meet two principles in Islamic economics, namely the
principle of free will and the principle of justice. However,
BMT Amanah does not apply these two principles because
there is no element of bargaining in determining margins
but it has been determined at the beginning and there is a
different treatment between each member who finances
murabahah

ANALISA FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN MAHASISIWA MEMILIH PROGRAM STUDI DI PERGURUAN TINGGI DALAM PERSPEKTIF EKONOMI ISLAM

Dwi Ratih — 2023-08-07

Consumer decision marketing can be defined as a
process by which consumers assess various choices and
choose one or more alternatives that are needed for
consideration. This is backgrounded by different student
factors in choosing a study program. Students will
certainly choose a certain study program with the hope that
the chosen study program will be able to support the
educational process in the future and get a good job.
Universities must be able to know what are the factors that
influence students to choose a study program
The method used in this study is quantitative, this research
is included in the type of field research (field research), the
nature of this research is descriptive analysis, the data used
in this study are primary and secondary data, the
population in this study is 691, the sample taken in this
study is 87 respondents using the slovin formula, by means
of proportional sampling technique, Data collection
techniques in this study are observation, questionnaires
and documentation. The data analysis method in this study
was carried out validity test, reliability test, multiple linear
regression analysis and hypothesis test
Based on the results of hypothesis test research, it partially
shows that social factors do not affect the decision of
students to choose a study program while psychological
factors have a positive and significant effect on the
decision of students to choose a study program,
simultaneously showing that together psychological
factors and social factors have a positive and significant
effect on the decision of students to choose a study
program, coefficient of determination is shown value
Adjused R Square by 0.380 or 38%

ANALISIS PENGARUH KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN DALAM PERSPEKTIF EKONOMI ISLAM

NUR INDAH SARI — 2023-06-13

Consumer decision making is an integration process that combines knowledge to evaluate two or more alternative behaviors and choose one of the results of this integration process is a choice that is presented cognitively as a behavioral desire. It does not mean that the decision-making process must appear at all times when such behavior is expressed. According to Kotler and Keller, the purchase decision consists of five stages, namely: Introduction to Needs, Information Search, Alternative Evaluation, Purchasing Decisions, Post-Purchase Behavior The formulation of the problem in this study is Whether Business Location, Selling Price Determination and Product Quality affect Consumer Purchasing Decisions in Waleu Kaos Lampung In an Islamic Economic Perspective. The purpose of this study is to determine the Influence of Business Location, Selling Price Determination and Product Quality on Consumer Purchasing Decisions in Waleu Kaos Lampung in an Islamic Economic Perspective.This research is included in field research (Field Research), using quantitative approach methods. Based on the results of the study, the Fhitung value of 4,427 > Ftabel was 2.71 so that it can be concluded that Ho was rejected and Ha was accepted which means that there is an influence between Business Location, Pricing and Product Quality on Consumer purchasing decisions. Furthermore, the effect is partially known that the Business Location Variable and Selling Price Determination have no significant effect and the Product Quality Variable with a calculated value of 3.610 with a significance of 0.001.

PENGARUH PROGRAM KELUARGA HARAPAN (PKH) TERHADAP KONDISI SOSIAL EKONOMI RUMAH TANGGA MISKIN PERSPEKTIF EKONOMI ISLAM (STUDI PADA DUSUN CISARUA DESA MUARA PUTIH KECAMATAN NATAR KABUPATEN LAMPUNG SELATAN TAHUN AJARAN 2022/2023)

Zhafaratul Hasanah — 2023-08-07

Every country must have its own problems,
including Indonesia. Indonesia has various problems,
including in the socio-economic field, especially the
problem of poverty. In relation to the framework of
household-based poverty reduction, the Government
launched a special program called the Family Hope
Program (PKH) which began in 2007 with the hope of
helping poor households to meet their needs. Cisarua
Hamlet, Muara Putih Village, is the hamlet that has the
highest number of KPM among other hamlets in Muara
Putih Village, Natar District This study aims to find out
and analyze how the influence of the Family Hope
Program (PKH) on the socioeconomic conditions of poor
households (RTM) and how the Islamic Economic view of
the Family Hope Program (PKH) on the socioeconomic
conditions of poor households in Cisarua Hamlet, Muara
Putih Village, Natar District, South Lampung Regency,
with PKH as variable X and socioeconomic conditions
RTM as variable Y. Methods used in this study is
descriptive quantitative. The object of this study was the
participants who received PKH assistance assistance in
Cisarua Hamlet, Muara Putih Village. The data sources
used are primary data in the form of questionnaire results,
observations and secondary data including PKH
documents and archives and Muara Putih Village archives.
Data analysis methods are validity tests, reliability tests,
and simple regression. The results showed that the Family
Hope Progrm (X) had a positive and significant effect on
the socioeconomic conditions of RTM (Y). Judging from
the Islamic Economic values, namely justice,
responsibility, and social security (takaful) in its
implementation, PKH in Cisarua Hamlet, Muara Putih
Village, has applied fairly, responsibility and PKH as a
form of social security to the community provided by the
Government so that the creation of a prosperous society
and RTM can be separated from the confines of poverty

ANALISIS DAMPAK PEMEKARAN WILAYAH TERHADAP PERTUMBUHAN EKONOMI DI KABUPATEN LAMPUNG BARAT DALAM PERSPEKTIF EKONOMI ISLAM

Dedi Arisandi — 2023-11-07

Penelitian ini bertujuan untuk mengetahui pengaruh pemekaran wilayah terhadap pertumbuhan ekonomi Kabupaten Lampung Barat dengan menganalisis pengaruh PD, JP, IPM serta bagaimana pertumbuhan ekonomi di Kabupaten Lampung Barat ditinjau dalam perspekstif ekonomi Islam.Berdasarkan hasil uji beda paired t-test nilai signifikansi diperoleh 0.352 >0.05 maka menunjukkan bahwa tidak terdapat perbedaan sebelum dan setelah pemekaran wilayah terhadap pertumbuhan ekonomi di Kabupaten Lampung Barat. atau nilai sinifikan (0.042 < 0.05). Pengujian menggunakan uji F menunjukkan bahwa ketiga variabel berpengaruh secara signifikan terhadap pertumbuhan ekonomi di Kabupaten Lampung Barat dengan nilai signifikan 0.000 < 0.05. Kesimpulan penelitian ini menunjukkan tidak ada perbedaan pertumbuhan ekonomi Kabupaten Lampung Barat sebelum dan sesudah pemekaran dikarenakan tidak terjadi peningkatan PDRB. Islam memandang Pertumbuhan ekonomi Kabupaten Lampung Barat belum optimal karena pertumbuhan ekonomi Kabupaten Lampung Barat masih belum diiringi dengan meningkatnya PDRB, penurunan kemiskinan dan masih adanya ketimpangan distribusi pendapatan

ANALISIS DAMPAK LINGKUNGAN AKIBAT PENAMBANGAN PASIR DITINJAU DARI PERSPEKTIF ETIKA BISNIS ISLAM (Studi Kasus di Desa Rejomulyo Kecamatan Pasir Sakti Lampung Timur)

Eli Yulianto — 2023-08-07

Mining activities are considered coins that have
two opposing sides, namely as a source of prosperity as
well as a very potential environmental destroyer. As a
source of prosperity, this sector supports village income.
As an environmental destroyer, open-pit mining can
completely change either the climate or the subsoil. Based
on the results of a pre-survey conducted by researchers in
Rejomulyo village, Pasir Sakti District, East Lampung
Regency, the reality that exists in the community is that
sand mining in Rejomulyo village has affected the
community. Because sand mining in Rejomulyo village
makes the road damaged and the remaining mining land is
unproductive. Based on this description, researchers will
study and analyze the environmental impact of sand
mining in Rejomulyo village, Pasir Sakti District, East
Lampung Regency.
The purpose is to determine the impact of sand mining in
Rejomulyo Village, Pasir Sakti District, East Lampung
Regency in the perspective of Business Ethics. This
research is a field research with data collection methods
through interviews and documentation. The analytical
method that researchers use is descriptive analysis.
Based on the results of the study that what happened to
sand planting activities in Rejomulyo village had a positive
impact, namely opening up jobs and had a negative impact,
namely increasing air pollution, noise, and damaged roads.
However, the impact obtained is many negatives, a mining
entrepreneur should pay attention to the impact that will
occur in accordance with Islamic business ethics, namely
the principle of responsibility both regulated in law
number 4 of 1982 article 20, as well as ethical principles in
Islam. So that the activities they do make the community
comfortable

PREFERENSI KONSUMEN TERHADAP LAYANAN SPBU DI KOTA METRO PERSPEKTIF EKONOMI ISLAM

Soni Yamalik — 2023-08-07

Preference means individual choice or tendency
in choosing products and services, which means individual
freedom in choice. Islam regards freedom as the
foundation of human values and human dignity. Freedom
that distinguishes humans from other creatures. The Quran
explains Allah's knowledge and authority over what He has
ordained for man. A consumer is a person or group that
carries out a series of consumption activities for goods or
services. Consumer decisions for the purchase of a product
are strongly influenced by various factors, such as
perception, learning and memory processes, motivation
and values, self-concept, attitudes, personality and
lifestyleThis study is intended to determine what factors
influence the preferences of gas station consumers in metro
cities from an Islamic economic perspective, research
using qualitative field research methods. The data
collection methods used are: interviews with primary data
sources, namely gas station officers and consumers,
documentation by digging information, and related to
consumer preferences for gas station services in Metro
City.
Based on the results of data sources that researchers
collected related to consumer preferences for gas station
services in Metro City, the perspective of Islamic
Economics is that there is the most important factor
expressed by all respondents about their interest in gas
stations is the value practiced which includes honesty,
because it is the most important factor that must be owned
by a trader and the most expected by a buyer.

ANALISIS KONTRIBUSI PETANI PEREMPUAN DALAM MENINGKATKAN PEREKONOMIAN KELUARGA DITINJAU DARI PERPEKSTIF EKONOMI ISLAM

Yuli Santi — 2023-08-07

The development of the times in this life makes
the needs in the family increase so as to encourage women
to join the work. Women in Lamkunyet Village work as
farmers to help support the family economy. This study
aims to see the contribution of women farmers in
improving the family economy from an Islamic economic
perspective. This research is descriptive qualitative. The
results showed that working women farmers are very
helpful for the family's economic condition. And women
who work as farmers in Lamkunyet village are in
accordance with the Quran and Sunnah
There are many bases that make women work, the first is
because women who become widows who are divorced or
left dead by husbands who require women to replace the
position of head of the household to earn a living to meet
all the needs of their families. The second is a woman who
is already married but her husband's income is not enough
to meet their household needs. The three unmarried women
who still live with their parents but whose parents can no
longer afford to make a living. Such conditions make
women take an active role in supporting the family
economy.
According to law number 19 of 2013 concerning the
protection and empowerment of farmers, farmers are
individual Indonesian citizens and/or with their families
who carry out farming in the fields of food crops,
horticulture, plantations, and/or animal husbandry. Farmer
is someone who is engaged in agriculture mainly by
managing land with the aim of growing and maintaining
crops such as rice, flowers, fruits and others in the hope of
obtaining the results of these plants for their own use or
selling them to others

PENGARUH INVESTASI SWASTA DAN PENGELUARAN PEMERINTAH TERHADAP PERTUMBUHAN EKONOMI DI PROVINSI LAMPUNG DALAM PERSPEKTIF EKONOMI ISLAM TAHUN 2011-2016

Kusnan — 2023-08-07

Economic growth is the process of increasing per
capita output in the long run. To improve national
development, it must be supported by regional
development that is implemented appropriately. Success
will not be seen without real results in the form of growth
from something built by the government in the economic
field, as well as without economic growth, the
development of a region will not run as it should
The formulation of the problem in this study is whether
there is an influence of private investment (FDI) and
government spending on economic growth in Lampung
province in 2011-2016, as well as how economic growth
in Lampung province in an Islamic economic perspective.
This study aims to determine whether or not there is an
influence of private investment and government spending
on economic growth in Lampung province and determine
economic growth in Lampung province from an Islamic
economic perspective
This research is a quantitative research with secondary data
in 2011-2016. Data collection in this study uses
documentation methods for private investment data and
government expenditure taken from data sourced from the
Central Statistics Agency (BPS) of Lampung province.
The collected data was analyzed using multiple linear
regression processed with the SPSS program. Based on the
results of the significant test (t-test) on the variable private
investment did not have a significant effect on economic
growth in Lampung province, because in that period there
was a decrease in foreign exchange rates, which would
affect economic growth. A decrease in the exchange rate
will reduce investment. When there is a depreciation of the
rupiah exchange rate, the real value of profits to be
obtained will decrease, thereby reducing the level of
investment. Meanwhile, the variable government
expenditure has a significant effect on economic growth in
Lampung province, where the development of a region is
a form of government expenditure so that it can increase
economic growth

Analisa Dampak Pengembangan Pariwisata Terhadap Sosial Ekonomi Di Kampung Wisata Pantai Pasir Putih

Wahyu Firmansyah — 2023-08-07

Pariwisata menjadi salah satu sektor yang mulai
diperhitungkan atau diperhatikan diberbagai negara baik negara maju
ataupun negara sedang berkembang tidak terkecuali Indonesia.
Indonesia yang memiliki wilayah yang sangat luas dan didukung
oleh sumber daya alam dan budaya yang beragam sangat
potensial untuk diolah dan dimanfaatkan. Dari sumber daya alam
yang ada, pariwisata merupakan salah satu sektor yang memiliki
potensi yang sangat Layak untuk dikelola dan dikembangkan
secara maksimal. Penelitian ini merupakan jenis penelitian
lapangan (field research) yaitu penelitian yang dilakukan dengan
mencari data melalui survei lapangan. Sedangkan dilihat dari jenis
informasi datanya, penelitian ini termasuk penelitian kualitatif,
yaitu penelitian yang tidak dapat diuji dengan statistik. Adapun
pelaksanaan penelitian ini menggunakan penelitian studi kasus
(case study) yaitu penelitian yang mempelajari secara mendalam
terhadap suatu individu, kelompok, institusi, atau masyarakat
tertentu tentang latar belakang, keadaan atau kondisi, factor-faktor
atau interaksi-interaksi sosial yang terjadi didalamnya. Kehidupan
sosial budaya masyarakat sekitar objek wisata yang diatur dalam
adat istiadat mengalami peningkatan, perubahan dengan adanya
strategi dan program yang dilakukan tidak lagi mengatur
secara ekstemal atau otoriter namun semakin fleksibel demi
perkembangan kehidupan sosial masyarakat pada umumnya.

DAMPAK PENGEMBANGAN PARIWISATA TERHADAP SOSIAL EKONOMI MASYARAKAT (Pada Taman Wisata Pantai Kelapa Rapat, Desa Batu Menyan, Kecamatan Teluk Pandan, Kabupaten Pesawaran tahun 2021-2022)

Muhammad Mardani — 2023-08-07

Provinsi Lampung merupakan salah satu provinsi di
Indonesia yang memiliki sangat banyak sekali tempat-tempat
pariwisata yang bagus yang tidak kalah menarik jika dibandingkan
dengan provinsi yang lain. Kabupaten Pesawaran sebagai salah satu
daerah di provinsi Lampung yang memiliki potensipotensi Pariwisata
yang cukup banyak yang dapat dikembangkan lebih serius, salah satu
objek wisata yang sedang dikembangkan oleh TNI-AL Lampung
yang dikelola oleh Koperasi TNI-AL Lampung adalah Pantai Kelapa
Rapat. Pantai Kelapa Rapat adalah salah satu objek lokal yang
menjadi tempat wisata andalan bagi Kota Lampung sampai saat ini.
Pantai Kelapa Rapat berada di Desa Batu Menyan, Kecamatan Teluk
Pandan, Kabupaten Pesawaran yang menjadi tempat bagi turis lokal
maupun manca negara berdatangan untuk berekreasi, dengan
demikian dapat dikatakan kondisi seperti itu sudah pasti
meningkatkan pemasukan baik bagi Pemerintah, Pengusaha, dan
Masyarakat sekitar kawasan Taman Wisata Pantai Kelapa Rapat.
Hasil penelitian menunjukkan bahwa dampak pengembangan
pariwisata terhadap sosial ekonomi masyarakat di kawasan objek
wisata pantai kelapa rapat menunjukkan dampak yang positif
terhadap sumber daya manusia, ekonomi, sosial budaya, dan
lingkungan. Namun pengembangan objek wisata pantai kelapa rapat
belum memenuhi kriteria pengembangan pariwisata syariah, akan
tetapi baik pengelola maupun masyarakat selalu menjaga dan
mempertahankan nilai-nilai agama dan budaya setempat.

EFEKTIVITAS PROPORSI PENYALURAN WAKAF UANG TERHADAP PEMBERDAYAAN EKONOMI MASYARAKAT (Studi Kasus KSPPS BMT Assyafi’iyah Kota Gajah)

Puspita Anggraini — 2023-08-07

The most prominent issue in this period to be able
to achieve professional waqf management was the
emergence of the idea of cash waqf rolled out by an
economic figure from Bangladesh, Prof. M.A Mannan.
The presence of money endowments in a wider range can
be felt to improve the standard of living of the community
in the economic sector, especially if money endowments
are managed with neat, orderly, and professional
management along with the quality of the managers
This study aims to determine the proportion of money waqf
distribution to community economic empowerment so that
it can be said to be effective and the purpose of waqf can
be achieved. This research is a field research conducted
intensively, in detail, and in depth at the Baitul Maal wa
Tamwil Sharia Savings and Loans Cooperative (KSPPS
BMT) Assyafi'iyah Kotagajah. This study used interview
and documentation data collection techniques. Interviews
were conducted with Baitul Maal Assyafi'iyah leaders and
members who received the distribution of waqf money.
While the documentation is taken from the archives of
Baitul Maal Assyafi'iyah Kotagajah related to research. All
these data are analyzed deductively.
Based on the results of the study, the large proportion in
distributing waqf assets is 40% stored in the form of time
deposits and 60% distributed to members as micro
business capital. The micro business capital is channeled
through two contracts, namely mudharabah financing and
qardhul hasan loans. With a proportion of 60%, in fact, it
has been able to help the members' economies and is
effective in empowering the community's economy. This
is evident from the tangible results that have been produced
by members receiving waqf money assets as their micro
business capital

ANALISIS IMPLEMENTASI PENDISTRIBUSIAN ZAKAT FITRAH OLEH AMIL DI KELURAHAN BANJARSARI KECAMATAN METRO UTARA KOTA METRO

Kris Yulianti — 2023-08-06

Zakat is an absolute obligation of one's Islam.
There are two zakats, namely zakat maal and zakat fitrah.
The discussion on zakat fitrah carried out by previous
scholars still needs to be developed, in accordance with the
times. Some Muslims living today are still confused about
the empowerment of zakat fitrah distribution. Efforts to
apply zakat fitrah optimally, it requires proper distribution
empowerment. Zakat fitrah can be applied optimally if the
zakat fitrah receives support from various parties, namely
Muzakki, Mustahiq, Amil Zakat and support from the
Government
This study aims to describe the implementation of the
distribution of zakat fitrah by amils in Banjarsari Village,
North Metro District, Metro City. This study used
interview and documentary data collection techniques.
Interviews were conducted with Muzakkis, Mustahiq, and
Amil Zakat. The documentary was conducted on data used
to trace the distribution of zakat fitrah empowerment. All
these data are analyzed inductively.
Based on the results of the study, the distribution of zakat
fitrah empowerment in Banjarsari Village, North Metro
District, Metro City, is carried out consumptive zakat fitrah
empowerment. Meanwhile, the productive empowerment
of zakat fitrah has not been implemented so far. This is due
to the lack of public understanding of the distribution of
zakat fitrah empowerment. As a result, Amil Zakat
distributed its zakat fitrah not on target. In addition, the
empowerment of zakat fitrah has not been able to empower
the community's economy because the benefits of zakat
can only be felt to meet short-term needs. So from year to
year Mustahiq's economy has not changed.

STRATEGI PENGEMBANGAN USAHA MIKRO, KECIL, DAN MENENGAH BERBASIS EKONOMI KREATIF BIDANG KULINER DI KOTA BANDAR LAMPUNG

Muhammad Ali Tohari — 2023-08-06

This thesis discusses the MSME Development
Strategy based on the creative economy in the culinary
sector in Palopo City. The purpose of the research is to find
out how the challenges and obstacles faced by creative
economy MSME actors in the culinary sector to develop
their businesses so that by using SWOT analysis can be
known strategies that can be done for the development of
Creative Economy-based MSMEs, especially in the
culinary sector in Palopo City. The research design used in
this study is a qualitative research method with SWOT
analysis and using pruposive sampling, which is a
sampling technique by first determining where the data
source comes from. Direct data collection techniques by
conducting observations, interviews, questionnaires, and
documentation. The results of the research obtained are
that there are obstacles and challenges faced by business
actors so that it is still difficult to be able to develop a
business
By using the SWOT analysis method, strategies can be
obtained that can be used in the development of Creative
Economy-based MSMEs in Palopo City, especially in the
culinary field, namely improving product quality and
accompanied by unique and attractive packaging so that it
provides its own value, collaborating with several culinary
business actors in product promotion that can attract public
interest, increasing promotional activities by utilizing
social media so that it can be known more widely, and add
new flavor variants so that there are many choices that
make consumers not easily bored. In addition, the need for
support and attention from the government is needed in the
process of developing Creative Economy MSMEs in the
culinary sector currently in the city of Bandar Lampung