ANALISIS DAMPAK PANDEMI COVID-19 TERHADAP PENDAPATAN USAHA MIKRO KECIL DAN MENENGAH (STUDI KASUS INDUSTRI RUMAHAN KEMPLANG DI WILAYAH JAKABARING PALEMBANG)

This study aims to determine and analyze the impact of the Covid-19 pandemic on the income of the cracker/kemplang home industry in the Jakabaring District, Palembang City. The analytical method used in this research is a qualitative method with data collection techniques in the form of interviews, discussions with business actors and from several sources of other articles. From the research that has been carried out, it is found that the cracker/kemplang home industry continues to run its business, and the income earned by the cracker/kemplang home industry tends to be stable even in the Covid-19 pandemic situation. The factor that supports the traders to keep doing business is the awareness to continue to struggle to meet the needs of their daily lives. There are several attempts by business actors to increase an income, such as by adapting to market changes, providing good service to consumers and paying attention to the quality of goods to be sold to consumers.

DAMPAK NEGATIF JUAL BELI BARANG DI ATAS PENAWARAN ORANG LAIN

The researcher conducted this research with the intention of explaining the prohibition of selling/buying on people who are in the process of bidding on goods, both in terms of fraternity and the negative impact (consequences) that arise when bidding occurs while other people are still khiyar. This research was conducted by means of a literature review (Library Research) which uses data collection techniques in the form of documentation. For data analysis, namely literature analysis. The results show that Islam recommends maintaining brotherhood, especially in bargaining for goods when buying and selling so as not to result in market distortion, loss of willingness, violating the value of tolerance, unfair competition, the emergence of hatred, conflict of needs, and a weak level of prudence.

ANALISIS FATWA DSN MUI NO: 04/DSN-MUI/IV/2000 TERHADAP PENERAPAN AKAD MURABAHAH PADA PRODUK CICIL EMAS PADA BANK SYARIAH MANDIRI KCP. CIKUPA TANGERANG-BANTEN

This study concludes that the financing mechanism for the BSM Installment Gold product at BSM KCP. Cikupa consists of several stages starting from the requirements for submission, valuation of collateral, termination of financing, implementation of contracts and financing of financing. In the financing process for the financing of the Gold Installment Product, BSM KCP. Cikupa is in accordance with the guidelines of the DSN-MUI fatwa No: 04/DSN-MUI/IV/2000 concerning Murabahah, but there are some that are not in accordance with the first provisions of the ninth point, where at the time of the contract agreement process, gold was still in the ordering stage to PT. Antam and not owned by the bank. The type of research used is field research (field research). The data sources of this research consist of primary and secondary sources obtained through interviews, documentation, and other scientific literature. The data that has been collected, then analyzed using descriptive analysis method.

AKAD DAN TRANSAKSI JUAL BELI GABAH DALAM PRESPEKTIF EKONOMI ISLAM DI KABUPATEN SIDENRENG RAPPANG, SULAWESI SELATAN

This study aims to determine how the contract and grain buying and selling transactions carried out by farmers and traders in the perspective of Islamic economics in Panca Rijang District. This type of research is descriptive qualitative using primary data. The data were obtained from interviews with farmers as sellers and traders as buyers in Panca Rijang District, Sidenreng Rappang Regency. This research uses a cultural approach. The results of the research obtained from interviews indicate that the trading practices carried out by farmers and traders in Panca Rijang District have fulfilled the elements of legal buying and selling. Analysis of the research data provides information that in general, farmers and traders in buying and selling unhulled rice have previously made a sale and purchase agreement with regard to the provisions of Islamic buying and selling.

MANAJEMEN PENGELOLAAN DAN PEMBERDAYAAN TANAH WAKAF DI KECAMATAN KEMUNING KOTA PALEMBANG

Waqf is an Islamic religious teaching that aims to build prosperity and develop an advanced civilization. The type of research used by researchers in this study is qualitative research, namely field research conducted by interview, observation, and describing facts in the field. The results of this study indicate that waqf land in Kemuning District, Palembang City is used for the establishment of a tahfidz foundation and mosque construction, as well as for school operations. According to a review of Islamic law in the management of waqf land in Kemuning District, Palembang City, it does not conflict with Islamic law. This can be seen from the business carried out that there is nothing that is contrary to Islamic law and in its implementation there are no elements that are forbidden. In the future, it is necessary to provide education about waqf, especially productive waqf, to nadzir in Kemuning Subdistrict, Palembang City so that its management is more optimal in developing waqf assets productively. Ministry of Religion agencies must actively provide counseling and coordinate with the Land Office, Nadzir, and PPAIW so that their roles and functions can run optimally so that they can increase productive waqf land in Kemuning District, Palembang City.

INTENSITAS KUNJUNGAN WISATA RELIGI MENJADI PENENTU PENDAPATAN STREET VENDORS KAWASAN MASJID AGUNG BANTEN LAMA

This research aims to determine the influence of religious tourism visits on the income of street vendors in the Great Mosque of ​​Banten Lama at Serang City, Banten Province, Indonesia. This research used quantitative method, on 79 respondents with simple linear regression analysis. Based on the data and analytical tests, it can be concluded that there is a significant influence of religious tourism visits on the income of street vendors in the Great Mosque of Banten Lama area with a value of sig. 0.000 < 0.05 and the regression coefficient value is positive at 0.633. The magnitude of the influence of religious tourism visits on the income of street vendors (PKL) is 15.4%, while the other 84.6% is influenced by other factors outside this study. This is obtained based on the results of primary data processing using SPSS version 25.0, and it can also be obtained that the coefficient of determination R square (R2) is 0.154 or 15.4%.

PRAKTIK RENTENIRISASI PERSPEKTF EKONOMI SYARIAH DAN SOSIOLOGI (STUDI DI KECAMATAN PUNGGUR LAMPUNG TENGAH)

This research was conducted to answer the question of how to practice sharia investment sharia perspective and sociology in Punggur, Central Lampung District. This study aims to determine the practice of a loan shark sharia economic perspective and sociology in Punggur, Central Lampung District. This type of research is field research conducted in Punggur District, Central Lampung Regency. This study uses a descriptive qualitative approach that is a way to expose accurate information obtained from the community in the District of Punggur, Central Lampung relating to the practice of a loan shark. Data sources used are primary and secondary data sources. The data collection method uses the method of observation, interviews and documentation with technical analysis of deductive thinking. The results of research on a loan shark practices in the community of Punggur Subdistrict, the perspective of Islamic economics is very contrary to regulation in Islamic law, because those who practice muamalah are ribawi. While, according to the sociological perspective of the loan sharks, this is a solution for some people to meet their daily needs. The facilities provided such as loan amount, faster and more efficient time, how to pay, without collateral, and other agreements are considered by the community when making loans. Keywords: Loan Sharks, Islamic Economics, Sociology Abstrak Penelitian ini dilakukan untuk menjawab pertanyaan bagaimana praktik rentenirisasi perspektif ekonomi syariah dan sosiologi di Kecamatan Punggur Lampung Tengah. Penelitian ini bertujuan untuk mengetahui praktik rentenirisasi perspektif ekonomi syariah dan sosiologi di Kecamatan Punggur Lampung Tengah. Jenis penelitian ini adalah penelitian lapangan (field research) yang dilakukan di Kecamatan Punggur Kabupaten Lampung Tengah. Penelitian ini menggunkan pendekatan kualitatif yang bersifat deskriptif yaitu cara memaparkan informasi-informasi yang akurat yang diperoleh dari masyarakat di Kecamatan Punggur Lampung Tengah yang berkaitan dengan praktik rentenirisasi. Sumber datayang digunakan adalah sumber data primer dan sekunder. Metode pengumpulan data menggunakan metode observasi, wawancara dan dokumentasi dengan teknis analisa berpikir deduktif. Hasil penelitian terhadap praktek rentenir di masyarakat Kecamatan Punggur perspektif ekonomi islam yaitu sangat bertentangan dengan hukum dan syariat islam karena mereka yang melakukan praktek muamalah secara ribawi. Sedangkan menurut perspektif sosiologi para rentenir ini menjadi solusi bagi para sebagian masyarakat untuk memenuhi kebutuhan hidupnya. Kemudahan–kemudahan yang diberikan seperti besar pinjaman, waktu yang lebih cepat dan efisien, cara membayar, tanpa jaminan, dan kesepakatan–kesepakatan lain menjadi pertimbangan masyarakat ketika melakukan pinjaman. Kata Kunci: Rentenir, Ekonomi Syariah, dan Sosiologi

INFLUENCES OF PHILANTROPHIC ACTIVITIES RUMAH BELAJAR CERIA (RBC) TOWARD THE WELFARE OF SOCIETY IN SUNGAI PEDADO

By utilizing waqf land located in Sungai Pedado village, the Rumah Belajar Ceria community conducts various social activities. The initial goal of this community was to help increase of the level of education in this area. Then the activity continues on the aspect of economic empowerment of the community by conducting Mushroom cultivation. This study aims to describe the activities of the RBC community in improving the social welfare of the Sungai Pedado village community. The research methodology uses a mix of used method with descriptive analysis and the data analysis with the CIBEST models to measure the level of effectiveness of activities on community economic empowerment in the Macmur program. The results showed that the existence of the RBC mushroom livestock program could improve people's welfare and reduce the index of material poverty. The household classification is based on the CIBEST Model roomates is categorized as prosperous (quadrant I) as many as 28 Households, material poor (quadrant II) as many as 2 poor, spiritual Households are absent, and reviews those that fall into absolute poor category are none.

PENGARUH HUBUNGAN PEMASARAN, KUALITAS LAYANAN TERHADAP LOYALITAS DENGAN KEPUASAN SEBAGAI VARIABEL INTERVENING

Gojek is a company that offers taxi transportation services that are integrated with technology, using the motorcycle taxi booking application. However, the problem now is the large number of motorcycle taxi driver, causing intense competition, not only in one company but in other transportation companies. There is a rates war (promotion) given by other companies that causes the entry and exit of the driver's and causes some rogue drivers to play two legs. Uncontrolled driver, such as: driver use vehicles that are incompatible with those recorded in the application. And not provided a place to "waiting in passanger" the driver's which causes irregularity of the driver's so that it fills part of the shoulder of the road, the sidewalk that causes congestion. The sample in this study was 200 respondents. The technique uses purposive sampling or sampling based on criteria. The analytical method used is SEM analysis with 7 criteria using the Amos 21 application. From the results of the study, the authors conclude that, 1) Marketing Relations have a positive and significant effect on Driver Loyalty 2) Service quality there is a significant positive effect on driver loyalty. 3) The marketing relationship has a significant positive effect on driver satisfaction 4) service quality has a significant positive effect on driver loyalty 5) driver satisfaction has a significant positive effect on driver loyalty. 6) Relationship Marketing influences Driver Loyalty with Driver Satisfaction as an intervening variable 7) Service quality affects the loyalty of the driver's with driver satisfaction as an intervening variable. Keywords: Marketing Relations, Service Quality, Loyalty and Satisfaction Abstrak Gojek adalah perusahaan yang menawarkan layanan transportasi ojek yang terintegritas dengan teknologi, dengan menggunakan aplikasi pemesanan ojek. Akan tetapi, permasalahan sekarang adalah banyaknya mitra pengemudi gojek sehingga menyebabkan persaingan semakin ketat, tidak hanya dalam satu perusahaan akan tetapi perusahaan transportasi lain. Adanya perang tarif (promo) yang diberikan perusahaan lain yang meyebabkan terjadi keluar masuk mitra pengemudi dan menyebabkan adanya beberapa oknum mitra pengemudi yang bermain dua kaki. Tidak terkontrolnya mitra pengemudi, seperti: mitra pengemudi memakai kendaraan yang tidak sesuai dengan yang terdata di aplikasi. Dan tidak disediakannya tempat “mangkal” mitra pengemudi yang menimbulkan tidak beraturannya para mitra pengemudi sehingga memenuhi sebagian bahu jalan, trotoar yang menyebabkan kemacetan. Penelitian ini menggunakan data primer. Sampel dalam penelitian ini adalah 200 responden. Teknik sampling menggunakan sampling atau sampling purposive berdasarkan pertimbangan dan kriteria tertentu. Metode analisis yang digunakan adalah analisis SEM dengan 7 kriteria tes menggunakan aplikasi Amos 21. Dari hasil penelitian, penulis menyimpulkan bahwa, 1) Hubungan Pemasaran berpengaruh positif dan signifikan terhadap Loyalitas Pengemudi 2) Kualitas layanan berpengaruh positif signifikan terhadap loyalitas pengemudi. 3)Hubungan pemasaran berpengaruh positif signifikan terhadap kepuasan pengemudi 4) Kualitas layanan berpengaruh positif signifikan terhadap kepuasan pengemudi 5) kepuasan berpengaruh positif signifikan terhadap loyalitas pengemudi. 6) Hubungan Pemasaran berpengaruh terhadap Loyalitas Pengemudi Melalui Kepuasan Pengemudi 7) Kualitas layanan berpengaruh positif terhadap loyalitas pengemudi melalui kepuasan pengemudi. Kata Kunci: Hubungan Pemasaran, Kualitas Layanan, Loyalitas dan Kepuasan

ANALISIS PERAN SUKUK AL-INTIFA’A SEBAGAI INSTRUMEN DALAM MENGENTASKAN KEMISKINAN DI INDONESIA

Today the capital market is one of the instruments that plays an important role in the economy of developed and developing countries. For developing countries like Indonesia, the capital market is an economic potential that is able to offer solutions to capital problems that are often faced in the context of national development. Especially when efforts to obtain additional capital through loans are felt to be increasingly unprofitable. Likewise with the Islamic capital market, although it is still new when compared to other Islamic financial instruments, the development of the Islamic capital market in Indonesia is considered quite good. One of the sharia financial instruments that is an important financing for the state budget is sukuk. At home, sukuk are growing quite rapidly although the proportion is still relatively small compared to conventional markets. This will be able to support the development of the Islamic capital market in Indonesia, especially if it is able to capture the opportunities that exist. One such opportunity is waqf assets which are widely available in various regions in Indonesia and many are still not being worked productively. Dual integration between sukuk and waqf in Al Intifa‘a Sukuk is expected to be able to create a financial instrument that can boost economic development and alternatives for poverty alleviation efforts in Indonesia. Keyword: Sukuk, Waqf, Poverty, Islamic Capital Market Abstrak Dewasa ini pasar modal menjadi salah satu instrumen yang memainkan peranan penting dalam perekonomian negara maju maupun berkembang. Bagi negara berkembang seperti Indonesia, pasar modal merupakan potensi perekonomian yang mampu menawarkan solusi bagi permasalahan permodalan yang sering dihadapi dalam rangka pembangunan nasional. Terlebih ketika upaya perolehan tambahan modal melalui pinjaman dirasa semakin tidak menguntungkan. Demikian halnya dengan pasar modal syariah, walaupun masih baru jika dibandingkan dengan instrumen keuangan syariah yang lain, tapi perkembangan pasar modal syariah di Indonesia dinilai cukup baik, Salah satu instrumen keuangan syariah yang menjadi pembiayaan penting bagi anggaran negara adalah sukuk. Di dalam negeri sendiri, sukuk tumbuh cukup pesat walaupun proporsinya masih relatih kecil dibandingkan dengan pasar konvensional. Hal ini akan mampu menunjang perkembangan pasar modal syariah di Indonesia, apalagi jika mampu menangkap peluang yang ada. Salah satu peluang tersebut adalah aset wakaf yang banyak terdapat di berbagai wilayah di Indonesia dan masih banyak yang belum tergarap secara produktif. Dual integrasi antara sukuk dan wakaf dalam Sukuk Al Intifa‘a diaharapkan mampu menciptakan sebuah instrumen keuangan yang bisa mendongkrak pembangunan ekonomi dan seabgai alternatif dalam upaya pengentasan kemiskinan di Indonesia. Kata kunci : Sukuk, Waqf, Kemiskinan, Pasar Modal Syariah