https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/issue/feed At Tujjar 2024-05-13T00:13:29+00:00 Open Journal Systems <p>At Tujjar&nbsp;: Jurnal Ekonomi Syariah&nbsp;diterbitkan oleh Program Studi Ekonomi Syariah&nbsp;STAI Diponegoro Tulungagung</p> https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5464 STRATEGI PENJUALAN YAMMI DEEP CHICKEN MELALUI GO-FOOD DI DESA MOJOWUKU KECAMATAN KEDAMEAN KABUPATEN GRESIK 2024-05-13T00:13:12+00:00 hardiansyah sanuji hardiansyahhh50@gmail.com <h1>Dalam persaingan yang semakin tinggi, maka para pelaku usaha harus memiliki kekuatan yang cukup kuat untuk dapat terus mengatasi ancaman dalam persaingan, khususnya dalam usaha yang sejenis. Setiap usaha harus dapat memanfaatkan peluang atau harus memiliki strategi peluang untuk mendapatan kekuatan dalam keunggulan kompetitif. Strategi penjualan sendiri merupakan metode dalam penjualan yang baru atau peningkatan yang signifikan dalam promosi di berbagai media, memberikan potongan harga atau diskon, pemberian label pada produk yang menarik, dan memberikan fitru-fitur dalamfasilitas yang menarik dan bervariasi. Pada tahun 2017 terdapat fenomena tentang perkembangan transportasi online oleh perusahaan Gojek yang melonjak dengan cepat setelah di luncurkan pada tahun 2015 di Indonesia.sehingga maraknya transaksi online seperti e-commerce. Dan dengan adanya fenomena tersebut maka industri kuliner mendapatkan keuntungan dalam hal pelayanan, karena perusahaan Gojek memperkenalkan Strategi terbarunya yaitu Go-Food.</h1> <p>&nbsp;</p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5370 Analisis Manajemen Risiko Pada Bank Syariah (Tinjauan Literatur) 2024-05-13T00:13:16+00:00 edi nur prasetyo nurprasetyoedi04@gmail.com <p>Islamic banks face challenges in risk management due to their unique risk profile. The purpose of this study is to explore the risks faced by Islamic banks. This study examines risk practices through carefully selected literature and describes the risks faced by Islamic banking. The survey results show that Islamic banks face several risks such as credit risk, liquidity risk, operational risk, legal risk, withdrawal risk, benchmark risk and fiduciary risk. Another finding is that Islamic banks are riskier than traditional banks due to the peculiarities of their funding. In addition, this is due to the immaturity of financial markets, the limited ability of central banks as lenders of last resort, and the lack of market infrastructure. From the analyzed literature, it is clear that Islamic banks have not developed effective solutions to manage the risks faced by traditional banks and themselves.</p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5529 MANAJEMEN FILANTROPI KOIN NU DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT DI NU CARE–LAZISNU MWC NU KALIDAWIR 2024-05-13T00:13:18+00:00 Komari komari.m.sy@gmail.com Siti Harum Setiyowati SITIHARUMSETIYOWATI@gmail.com <p><em>ZIS has become a source of state financial income which has a very important role, among others, as a means of developing the Islamic religion, developing the world of education and </em><em>science</em><em> as well as for other social welfare purposes. Infaq is one solution to solving the problem of poverty in society, overcoming the social gap that occurs between poor and rich people as well as in the context of equalizing community welfare and improving other quality of life.</em></p> <p><em>In Indonesia, there are several Amil Zakat Institutions (LAZ) on a local and national scale, namely Baitul Mal Hidayatullah (BMH), Dompet Dhuafa, Amil Zakat Institution, Infaq and Sadaqah Nahdhatul Ulama (LAZISNU), Infaq Management Institute (LMI) and others, which plays a role in overcoming poverty and realizing prosperity through branch offices spread across various regions throughout the archipelago.</em></p> <p><em>The Nahdhatul Ulama Amil Zakat, Infaq and Alms Institution (LAZISNU), one of which is the National Amil Zakat Institution which manages zakat, infaq, shadaqah and waqf under the auspices of the Nahdlatul Ulama organization which was ratified at the 31st NU congress in 2004 in Solo which is dedicated to helping welfare and independence of the people. The reason behind the choice of the Nahdhatul Ulama Amil Zakat, Infaq and Alms Institution, later abbreviated as LAZISNU MWC NU Kalidawir as the research site, is because LAZISNU itself has a role as a social institution which aims to empower the community by utilizing resources and public participation, distributing and regulating zakat management, infaq, shadaqah and waqf are not oriented towards collecting profits for organizational administrators. Seeing the large amount of funds collected and the enthusiasm of the people of Kalidawir District in donating, to optimize the function of zakat, infaq and shadaqah (ZIS), especially in the aspects of distribution and utilization, it is necessary to have a contextual understanding of the utilization of NU coin funds so that they can overcome problems in social life and the economic welfare of the people based on aspects of equality and sufficiency. Zakat, infaq, sadaqah and waqf are the most popular Islamic philanthropic practices that have entered and developed in the archipelago.</em></p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5358 PERAN BANK PERKREDITAN RAKYAT SYARIAH (BPRS) RAJASA LAMPUNG DALAM MENGEMBANGKAN SEKTOR USAHA MIKRO KECIL DAN MENENGAH (UMKM) MELALUI PEMBIAYAAN SYARIAH MURABAHAH 2024-05-13T00:13:22+00:00 Ubaid Muhammad Baidlowi ubaidbaidlowi01@gmail.com <p>This study aims to determine the role of the Rajasa Lampung Islamic People's Financing Bank (BPRS) in developing the Micro, Small and Medium Enterprises (MSMEs) sector through murabahah sharia financing. This research is a qualitative literature study. Sources of data in this study were taken from primary data sources and secondary data. The results of this study indicate that murabahah financing in the Micro, Small and Medium Enterprises (MSMEs) sector has an important role in improving the customer's economy. Although not all customers experience a significant increase in income, this financing can help customers meet their economic needs. Differences in the customer's business conditions before and after obtaining financing, namely of course in increasing business capital, adding production materials, adding assets, adding workers (employees), improving the physical condition of buildings, and increasing operating profits.</p> <p>&nbsp;</p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5697 TRANSAKSI RIBAWI DALAM EKONOMI 2024-05-13T00:13:25+00:00 Dalhari dalharimhi099@gmail.com <p><em>The term and perception of usury is very alive in the Islamic world. Therefore, it seems as if the doctrine of usury is unique to Islam. People often forget that the law prohibiting usury, as stated by an American Muslim, Cyril Glasse, in his encyclopedia, is not enforced in any modern Islamic country. Meanwhile, most people do not know that even in the Christian world, for a millennium, usury has been a prohibited item in the view of theologians, scholars and according to existing laws.</em></p> <p><em>On the other hand, we are faced with the reality that the practice of usury which has spread to various countries is difficult to eradicate, so that various authorities are forced to regulate and limit the money-making business. The long debate among jurists regarding usury has not yet found a common ground. Because they each have strong reasons. Finally, various opinions emerged regarding interest and usury.</em></p> <p><em>Usury is not only a problem for Islamic communities, but various groups outside Islam also view the issue of usury seriously. The study of the issue of usury can be traced back more than 2,000 years. The issue of usury has been a topic of discussion among Jews, Greeks and Romans alike. From time to time, Christians have also had their own views regarding usury.</em></p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5696 MENEJEMEN PENGELOLAAN USAHA AL BAROKAH DIPUSAT PENGEMBAGAN WIRAUSAHA FORUM KOMUNIKASI ANAK BANGSA INDONESIA (FORKABI) 2024-05-13T00:13:27+00:00 chusnul saifuddin saifuddinchusnul@gmail.com <p><em>Entrepreneurship </em>merupakan gabungan dari kreativitas, inovasi dan keberanian menghadapi resiko yang dilakukan dengan cara kerja keras untuk membentuk dan&nbsp; memelihara usaha baru. Dari pandangan para ahli dapat disimpulkan bahwa disimpulkan bahwa <em>entrepreneurship </em>adalah kemampuan dalam berfikir kreatif dan berperilaku inovatif yang dijadikan sebagai dasar, sumber daya, tenaga penggerak, tujuan siasat, kiat dan proses dalam menghadapi tantangan hidup dimana semua hal ini tentunya tidak terlepas dari bagaimana menejemen pengeloaan usaha yang baik.</p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar https://ejournal.kopertais4.or.id/mataraman/index.php/atTujjar/article/view/5715 KONSEP BAGI HASIL DALAM PERBANKAN SYARIAH 2024-05-13T00:13:29+00:00 Prastyo Rinie Budi Utami bprastyorinie@gmail.com <p>Sharia banks began to be initiated in Indonesia in the early 1980s, starting with testing on a relatively smaller bank scale, namely the establishment of Baitut Tamwil-Salman, Bandung. And in Jakarta it was founded in the form of a cooperative, namely the Ridho Gusti Cooperative. Starting from here, the Indonesian Ulema Council (MUI) took the initiative to initiate the formation of a sharia bank, which resulted from recommendations from the Bank Interest and Banking Workshop in Cisarua, and was discussed further with and formed a working group team at the IV MUI National Conference which took place at the Syahid Hotel Jakarta on 22-25 August 1990. The profit sharing system implemented in sharia banking is divided into two systems, namely; First. Profit Sharing is a profit sharing system that is based on the net results of income received from business collaboration, after deductions have been made for costs during the business process. Second. Revenue Sharing is a profit sharing system that is based on the total of all income received before deducting the costs incurred to obtain that income. In Indonesian sharia banking, the profit sharing system that is implemented is a profit sharing system based on a revenue sharing system. Sharia banks can act as managers or as fund owners. When the bank acts as a manager, these costs will be borne by the bank, and vice versa, if the bank acts as a fund owner, it will charge these costs to the fund management customer.</p> 2023-10-31T00:00:00+00:00 Copyright (c) 2023 At Tujjar

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