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Journal Al Maal: Journal of Islamic Economics and Banking

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Sciprofile linkRika Paujiah, Ahmad Mulyadi Kosim, Syarifah Gustiawati
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 144-163; doi:10.31000/almaal.v1i2.1847

Abstract:
This study was conducted to examine the effect of the sharia marketing mix variables and halal label on purchase decisions at d'BestO city of Bogor. This study uses a quantitative method. The sample was 86 respondents who are consumers of products d'BestO in Bogor. Analysis of the data used in this research is multiple regression analysis. The results of this study show that: sharia marketing mix significantly influence the purchase decision is evidenced bythat the value of the variable t on sharia marketing mix is 4.090 with a significance level of 0.000. Because the value of t is greater than t table is 4.090 > 1.988 and 0.000 significance value 1.988 and 0.000 significance value
Zainal Arif, Efri Syamsul Bahri, Zulfitria Zulfitria, Muhammad Shibgotullah
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 207-217; doi:10.31000/almaal.v1i2.2233

Abstract:
Pesantren Entrepreneur is an Islamic dormitory school which has dakwah activity as well as a business activity. Business activity becomes one of society development indicator. In a hadith, Rasul Saw said, 9 of 10 luck is from trading. Unfortunately, it is many people still think to get a luck by becoming an employer. Run a business is a way to get a luck that people can do. Moreover, Indonesia is a country which has so much of natural resources. But up to now, many Indonesian are unable to take that great chance. Indonesia has a great potential. If Indonesian are able to take the chance then the poverty will easily to be removed. And in Pesantren Entrepreneur has many programs of society empowerment, particularly in a small micro enterprise sector. Based on the statement above, it is so interesting to discuss about Society Empowerment and the steps in Pesantren Entrepreneur to Empower Society in Small Micro Enterprise sector
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 187-206; doi:10.31000/almaal.v1i2.1934

Abstract:
This research is about the development of sharia-based industries in Banten Province. The goal is to find out how it’s developed and Development Model. The method used descriptive qualitative, data sources obtained from primary and secondary data. Technical analysis of data uses the interactive analysis model of Miles and Huberman. The results of the study indicate that the Development of Sharia-Based Creative Industries in Banten Province is still in the stage of drafting regulations and policies for Halal industrial zones. But indirectly the implementation technique has been running for the culinary and fashion sector (Muslim clothes). However, for future targets, the Development of Sharia-Based Creative Industries is more towards empowering Islamic boarding schools through entrepreneurs so they can create santripreneur. It’s can become centers of product excellence and centers of Islamic civilization. The Sharia-based Creative Industry Development Model in Banten Province is the form of buildings consisting of foundations, buildings and taps based on Islamic sharia boundaries. For the foundation in the form of creative beings, training can increase knowledge and creativity and the pillars consist of Industry, Technology, Natural Resources, Institutions and Financial Institutions. Tap here is the main actor, which consists of scholars/ communities, business people, and localgovernment.
Sciprofile linkLilis Muhlisoh, Kholil Nawawi, Suyud Arif
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 130-143; doi:10.31000/almaal.v1i2.1897

Abstract:
The purpose of this study was to determine the promotional strategy undertaken by SRB HIK Insan Cita and its influence on the customer's decision in choosing financing. This research uses quantitative methods that are descriptive in nature. Data sources used are primary and secondary data. The population used was 300 customers and solvin formula used to be 67 sample respondents. Data collection techniques used by researchers are using respondents (questionnaires) and interviews. The method of data analysis in this study uses simple linear regression analysis. Promotional mix variables consisting of advertising (advertising), personal selling (personal selling), sales promotion (seles promotion), publicity (publicity) by conducting a t test shows each variable has a significant influence on the purchase decision variable. Judging from the significant advertising variable 0.038, personal selling 0.001, selles promotion 0.039, and publicity 0.002, which means it is smaller than the significant level used that is 0.05. And can also be seen by t count of 2,126, 3,366, 2,108, 3,248 which means t count 0,224. From the results of the analysis examined that the promotion mix strategy significantly influences customer decisions.
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 218-234; doi:10.31000/almaal.v1i2.2275

Abstract:
The blurring of history in the field of science often occurs. In the 18th century AD Adam Smith wrote an economic theory in the book "An Inquiry Into The Nature and Cause Of The Wealth of Nations" later known that economic theory was adopted from the work of phenomenal cleric Ibn Khaldun, written in his book 'al-Muqaddimah'. The same thing happened in Accounting which has obscured its history by the West. This study aims to explore the historical roots of the contribution of Muslim scientists in the field of Accounting. By using a qualitative descriptive method and historical approach, the results of the study show that Islamic Accounting was developed earlier by Muslims than conventional accounting. Islamic accounting emerged and developed since the time of the Prophet Muhammad around the year 610 AD. Whereas Conventional Accounting was introduced to Lucas Pacioli in 1494 AD. Basics of Sharia Accounting in general have been hinted at in the Koran surah al-Baqarah verse 282 and the sunnahs of the Prophet. The paragraph explains the function and importance of recording transactions, the basics, and their benefits, which are the essence of Accounting. Since the time of the Prophet Muhammad until the time of Khulafaur Rashidin, accounting laws have been applied either on an individual scale, syariah or company, waqf accounting, rights prohibiting the use of assets (hijr) and the state budget. In addition, in that era, the accounting profession was also known as "hafazhatul amwal" (financial supervisor).
Sciprofile linkWisnu Nugraha, Muhammad Zen
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 176-186; doi:10.31000/almaal.v1i2.2274

Abstract:
The purpose of this research is for knowing the jobs and the position of zakat agency, the function of zakat agency in increasing awareness of profession zakat, contributing factors and presecutor factors. This research used qualitative method by analysing of descriptive data. The researcher gave a description of discovery which was found by Laznas Al-Azhar. This research used data collection by observation in the location, interviewing and be completed by data documentation. The result of the function of zakat agency in increasing awareness of profession zakat is all zakat agencies have been doing their jobs professionally and zakat agency of Laznas Al-Azhar has the important contribution in increasing awareness of profession zakat. The position of zakat agency is the best and the main function of zakat agency is same generally, it is giving education. While from their jobs are accumulation, writing down, managing and distribution for mustahik as eight asnaf which is from Al-Quran.
Fatikhah Fatikhah, Ahmad Mulyadi Kosim, Abrista Devi
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 117-129; doi:10.31000/almaal.v1i2.1837

Abstract:
Interest in the study is to determine the benefits, opportunity, cost, risk and strategic alternatives in decision-making in the development of agricultural cooperatives.This study uses research methods analytic network process (ANP) with the benefits of network opportunity cost risk (BOCR). Data collection is done through in-depth interviews (indepth interview) and questionnaires by respondents. The results of this study indicate that on a priority basis the decision of the respondents would provide benefits to agriculture avocado compared with the costs and risks of the construction decision for agricultural cooperatives avocado. Based on the strategic priorities in the development of agricultural cooperatives are SDM and knowledge of cooperatives.
Efri Syamsul Bahri, Sabik Khumaini
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 164-175; doi:10.31000/almaal.v1i2.1878

Abstract:
The National Zakat Board (BAZNAS) The Republic of Indonesia is a non-structural government institution that manages zakat nationally in Indone. The problem in this research is how the development of the collection and distribution of Zakat, Alms, and Other Religious Social Funds (ZIS and DSKL) and how effective is the distribution of BAZNAS zakat? The objectives of this study include: to measure the effectiveness of the distribution of BAZNAS ZIS and DSKL. This research uses qualitative and quantitative methods. The qualitative method uses a descriptive approach. While the quantitative method uses the Zakat Core Principle (ZCP) measurement model. The object used in this study is the BAZNAS financial statements for the period 2001 to 2018. The results of this study indicate that the total collection of ZIS and DSKL is 18 years, Rp932.648.351.752,19. While the amount of ZIS and DSKL distribution for 18 years, is Rp836.512.139.145,00. Based on the ZCP the effectiveness of distribution for 18 years of operation is 90% (ninety percent). This shows that the effectiveness of the distribution of ZIS and DSKL BAZNAS for 18 years is in the Highly Effective category where the Allocation to Collection Ratio (ACR) reaches ≥ 90 percent.
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 79-88; doi:10.31000/almaal.v1i1.1775

Abstract:
Since the opening of the MEA door in 2015 to 2020, it will be colored by a strategy competition and a tighter level of financial services business competition. Sharia Banking products based on partnerships with "profit-loss sharing" such as Musyarakah currently have not shown significant growth like other products. One of the musyarakah derivative contracts that has the potential to be practiced as an innovation product in Islamic banking is the musyarakah mutanaqisa contract. This study examines the need for living space for customers by using musyarakah mutanaqisa agreement and musyarakah mutanaqisa practice in Indonesia. This study uses a qualitative approach with descriptive analysis design. In Indonesia, only a few Sharia Banks have offered financing products with mutanaqisa musyarakah contracts, namely Sharia Maybank, Panin Sharia Bank, Mega Syariah Bank and Bank Muamalat. Of the four BUSs, the products they offer have ownership of assets namely home ownership and vehicles. But in their practice they still give customers the choice in choosing, which contract they will use. such as murabahah contracts in home ownership products and vehicles.Keywords: Musyarakah, Mutanaqisa, Profit, Banks
Al Maal: Journal of Islamic Economics and Banking, Volume 1, pp 100-116; doi:10.31000/almaal.v1i1.1838

Abstract:
The systemic practice of usury has caused the monetary sector to separate from the real sector, causing a prolonged economic downturn. This has actually been warned in the Qur'an. For this reason, this study aims to explore the "warning" about usury in the Qur'an, including finding solutions. With the method of interpretation of maudhu'i's conclusions, it was concluded that the prohibition of usury because of usury contained dangers and impacts both micro and macro. The gradual prohibition of usury gives an understanding that in order to deal with the usury system a planned stage and strategy is needed. And the main strategy to deal with the usury system is to promote charity and alms.
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