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Implementasi Manajemen Keuangan Syariah Sebagai Salah Satu Upaya Untuk Memajukan dan Mengembangkan UMKM di Indonesia Afief Mubayyin; Wahyudin Abdullah
JES (Jurnal Ekonomi Syariah) Vol 6, No 1 (2021): Maret
Publisher : Universitas Islam Lamongan

Abstract: SME is one of the pillars of the Indonesian economy. Data in 2020 shows that the number of SME in Indonesia has reached 64.2 million business units. However, it does not mean that MSME in Indonesia is far from all the problems. One of the problems experienced by SME is that many business entrepreneurs do not understand how to manage the finances and assets they get. Hence, many SME in Indonesia have gone bankrupt. This study uses qualitative methods. The data are obtained from existing scientific journals, and provided by related parties, as well as books that discuss financial management and SME. The results obtained from this study are about how SME practices simple and easy-to-understand accounting activities and applies Islamic values. On the other hand, this study explains the way SME subjects invest with limited capital and also how to get capital that is far from riba (interest). Keywords: SME; financial management; Islamic financial management

TELAAH KOMPARATIF BISNIS MULTI LEVEL MARKETING KONVENSIONAL DAN MULTI LEVEL MARKETING SYARIAH Nurjannah; Mukhtar Lutfi; Nasrullah Bin Sapa; Muhammad Afief Mubayyin; Herianti
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 14 No. 2 (2022): Desember
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v14i2.5990

Multi-Level Marketing Business is a business method that is growing rapidly in today's society. However, regarding the permissibility of this business, there are still different understandings between the parties. Likewise regarding the difference between conventional MLM and Islamic MLM. This article aims to examine more deeply the differences between Sharia MLM and Conventional MLM and explore contemporary fiqh views regarding this business. The method used is descriptive qualitative using secondary data obtained from literature related to the discussion.Multi Level Marketing is also commonly known as sales intermediary services. This service (broker) in fiqh terminology called samsarah/simsar is a trade intermediary (people who sell goods and find buyers) or intermediaries between sellers and buyers to facilitate buying and selling. Samsarah/simsar activities in the form of distributors, agents or members, in fiqh include ijarah contracts, namely a transaction using the services of another person in return, incentives or bonuses (ujrah), all scholars consider it permissible (mubah). MLM Business Regulations in the realm of sharia are contained in the DSN-MUI Fatwa Number: 75/DSN-MUI/VII/2009 concerning Guidelines for Sharia Tiered Direct Selling. Sharia MLM and Conventional MLM are almost the same, but there are differences in terms of regulation, organization and business objectives, one of which is sharia MLM operating in sharia,

Usury and Bank Interest in the View of Neo Revivalists and Modernists Nurjannah Nurjannah; Muslimin Kara; Rahman Ambo Masse; M Afief Mubayyin
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.9460

Al-Maududi and Abdullah Saeed are Muslim scholars. He contributed various thoughts in the field of economics, one of which is related to usury and bank interest. But there are differences of opinion between the two. The purpose of this study is to look at the views of Al-Maududi and Abdullah Saeed regarding usury and bank interest. The method used is a literature study with a descriptive qualitative approach. Data sources come from secondary data sources, namely journals and books related to the discussion. The result of the research is that Al-Maududi firmly rejects bank interest because the institution is a source of danger and evil through its influence on human character because it is influenced by the love of money. In addition, Al-Maududi stated that there is an element of injustice in bank interest and it is clearly prohibited in Islam. While Abdullah Saeed views the prohibition of usury based on the historical situation and conditions behind the revelation of the verse, so related to bank interest Abdullah Saeed argues that bank interest is not included in usury because the context of usury in ancient times is very much different from usury today.

Usury and Bank Interest in the View of Neo Revivalists and Modernists Nurjannah Nurjannah; Muslimin Kara; Rahman Ambo Masse; M Afief Mubayyin
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.9460

Al-Maududi and Abdullah Saeed are Muslim scholars. He contributed various thoughts in the field of economics, one of which is related to usury and bank interest. But there are differences of opinion between the two. The purpose of this study is to look at the views of Al-Maududi and Abdullah Saeed regarding usury and bank interest. The method used is a literature study with a descriptive qualitative approach. Data sources come from secondary data sources, namely journals and books related to the discussion. The result of the research is that Al-Maududi firmly rejects bank interest because the institution is a source of danger and evil through its influence on human character because it is influenced by the love of money. In addition, Al-Maududi stated that there is an element of injustice in bank interest and it is clearly prohibited in Islam. While Abdullah Saeed views the prohibition of usury based on the historical situation and conditions behind the revelation of the verse, so related to bank interest Abdullah Saeed argues that bank interest is not included in usury because the context of usury in ancient times is very much different from usury today.

THE INFLUENCE OF WORK ENVIRONMENT AND COMPENSATION ON EMPLOYEE TURNOVER INTENTION WITH SATISFICATION AS A MODERATING VARIABLE Moh Gifari Sono; Sri Annisa; Muhammad Afief Mubayyin; Septin Maisharah Karyono; Ainil Mardiah
JURNAL ILMIAH EDUNOMIKA Vol 8, No 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11479

Abstract The existence of employees in a company is the most important thing for the company to be able to achieve its targets and vision well, so employee turnover must be avoided in any way and under any circumstances. There are a number of factors that can reduce employee turnover intention, including a good work environment and adequate compensation for employees. This research is a quantitative research with an explantory approach. The data used in this research is secondary data obtained from the questionnaire method of 250 BCA Syari'ah bank employees spread throughout Indonesia including KC BCA Syari'ah Medan, KC BCA Syari'ah Palu, KC BCA Syari'ah Bojonegoro, KC BCA Syari'ah Makasar, and KCP Bank Syari'ah Central Jakarta. The research results show that the Work Environment and Compensation variables have a negative relationship and a significant influence on the Employee Turnover Intention variable. Apart from that, the job satisfaction variable is able to moderate the two hypotheses above. Keywords: Compensation, Work Environment, Job Satisfication, Employee Turnover Intention

Pendayagunaan Zakat Produktif Untuk Meningkaatkan Sarana dan Prasarana Pendidikan di LAZIS UII (Lembaga Amil Zakat Infaq dan Sedekah Universitas Islam Indonesia) Afief Mubayyin; Nurjanna
Qolamuna : Jurnal Studi Islam Vol. 9 No. 1 (2023): Juli 2023
Publisher : STIS MIFTAHUL ULUM LUMAJANG PRESS (STISMU PRESS)

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One of the biggest problems in Indonesia is related to the lack of qualified education. In fact, the educational fund from government (locally called BOS or school operational aid) and government aid have not sufficiently improved the education quality in this country. With the majority of Moslem population in Indonesia, zakat in turn can offer an opportunity to participate in improving the quality of educational facilities and infrastructures - particularly in Yogyakarta. LAZIS UII is an institution established based on the idea of the previous rector purposely to develop the zakat. As UII is a university, then LAZIS UII has a broader focus to be involved in educational sector in which the zakat fund will annually be allocated to improve the educational facilities and infrastructures in Yogyakarta. The aim of this research was to observe how the mechanism of zakat fund allocation done by LAZIS UII to improve the educational facilities and infrastructures. It is found out that LAZIS UII focuses on improving the educational facilities and infrastructures in the form of scholarship and allowances given for the teachers in private Islamic Schools (MI) and school renovations. All forms of fund allocation done by LAZIS UII has been in accordance with the Islamic economic perspective. Keywords: Zakat Fund, Education, Facilities and Infrastructure

CREATIVE ECONOMY: KEY TO DEVELOPMENT IN MARKET AND MARKETING ASPECTS Judijanto, Loso; Urika, Urika; Mubayyin, Muh Afief
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 8 (2024): August
Publisher : Adisam Publisher

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The creative economy is a form of development of the economic concept, but with the addition of creativity. However, creativity is not only limited to production activities, but also includes how raw materials are used and technological innovations in them. Today, understanding market aspects and designing the right marketing strategy is the main key to surviving and developing in business. Market and marketing aspects play an important role in business feasibility studies. Market aspects refer to various factors that influence the dynamics and characteristics of a market. It covers everything from consumer behavior, buyer preferences, competition between brands, to external factors such as government regulations and industry trends. In a business feasibility study, market aspects are aspects related to market conditions in the industrial sector run by a business. The market aspects analyzed will usually include several main things, namely market demand for the product to be sold, the level of competition and competitors' strategies in marketing the product, and market segmentation. The market and marketing aspects in a business feasibility study are key factors that are very important in determining the success of a business.

Penerapan Teknologi Dalam Pengolahan Ikan dan Gurita Membangun Ekonomi Kreatif Melalui Program Kosabangsa Di Desa Uwedikan Jufri, Muhammad; Rauf, Bakhrani A.; Basry, Wahyuddin; Mubayyin, Afief; Gailea, Rosmaniar; Darmawang, Darmawang; Rahmansah, Rahmansah; Widodo, Slamet; Jeanilora, Jeanilora
Seminar Nasional Pengabdian Kepada Masyarakat SEMINAR NASIONAL 2024:PROSIDING EDISI 10
Publisher : Seminar Nasional Pengabdian Kepada Masyarakat

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Abstrak. Desa Uwedikan terletak di kecamatan di Kecamatan Luwuk Timur Kabupaten Banggai, memiliki potensi ikan yang cukup banyak, namun masyarakatnya masih banyak hidup dibawa garis kemiskinan khususnya yang bermata pencarian nelayan. Hal ini disebabkan berbagai hal diantaranya masyarakat/nelayan menjual langsung ketongkulat hasil tangkapannya. Ketidak berdayaan masyarakat khusunya kelompok ibu-ibu karena belum memiliki pengetahuan dan keterampilan dalam pengolahan ikan, belum dapat mengakses teknologi pengolahan ikan serta lemahnya penguatan kelembagaan kelompok ekonomi kreatif. Untuk meningkatkan pendapatan masyarakat maka dilakukan kegiatan pemberdayaan masyarakat melalui pengolahan ikan terpadu sebagai usaha ekonomi kreatif melalui kelompok usaha Nyiur melambai. Tujuan dan manfaat kegiatan pengabdian ini adalah untuk memberdayakan masayakat/ kelompok ibu-ibu pelalui pelatihan pengolahan ikan terpadu berbasis teknologi. Manfaat dari pengabdian ini untuk membangun kelompok usaha kreatif mandiri dan berkelanjutan. Kegiatan dilaksanakan melalui beberapa tahapan yaitu tahap persiapan melalui sosialisasi program, pelaksanaan program melalui pelatihan pelatihan teknis dan pelatihan non teknis. Tahap pasca pelatihan melalui pendampingan kelompok. Hasil kegiatan ini meliputi peningkatan pengetahuan dan keterampilan pengolahan ikan, mampu membuat produk aneka olahan ikan, mampu mengeperasikan teknologi pengolahan ikan, mampu membuaka usaha UMKM dan dapat memasarkan produk olahan ikan. Dengan antusias mengikiti kegiatan ini dan dukunagan pemerintah desa maka keberlanjutan kegiatan dapat terwujud. Kata kunci: potensi ikan;tekniologi, pelatihan; Pemasaran, ekonomi kreatif

PEMBERDAYAAN MASYARAKAT DALAM PENGOLAHAN SAMPAH BERBASIS TEKNOLOGI MENUJU LINGKUNGAN SEHAT DAN PRODUKTIF MELALUI PROGRAM KOSABANGSA DI DESA UWEDIKAN Jufri, Muhammad; Gailea, Rosmaniar; Basry, Wahyuddin; Mubayyin, Afief; Sitti Sabariyah; Rauf, Bakhrani; Darmawan; Rahmansah
Jurnal Abditani Vol. 8 No. 1 (2025): April
Publisher : FAKULTAS PERTANIAN UNIVERSITAS ALKHAIRAAT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31970/abditani.v8i1.381

Desa Uwedikan adalah salah satu desa yang ada di Kecamatan Luwuk Timur Kabupaten Banggai, merupakan desa pesisir yang mempunyai luas lautan lebih luas dari pada darat. Pada umumnya masyarakat pesisir mempunyai kebiasaan membuang sampah ke laut sehingga sanitasi lingkungan kurang sehat, padahal sampah bisa diolah menjadi produk yang benilai ekonomis berupa pupuk organik. Disamping itu pupuk organik diperlukan petani, karena pupuk kimia sangat langka dan harganya mahal. Dengan demikan pengolahan sampah menjadi pupuk organik mempunyai tujuan untuk memberdayakan masyarakat dalam pemeliharaan lingkungan yang sehat dan memberdayakan masyarakat dalam mengolah sampah menjadi pupuk organik sebagai alternatif pengganti pupuk kimia yang langka dan mahal. Metode pembuatan pupuk organik yaitu penjelasan teori 25 % dan praktek pengeporasikan mesin pencacah rumput/sampah serta praktek pembuatan pupuk orgnik berbasis EM4. Pembuatan pupuk organik dinyatakan berhasil bila menghasilkan panas setelah ditutup tarpal 8 jam, menghasilkan bau sedap dan warna pupuk hitam kecoklatan. Bila panasnya tinggi tumpukan pupuk dibalik untuk menormalkan kembali suhu panasnya. Pupuk organik ini sudah bisa dipakai bila sudah tidak suhunya tidak panas lagi.

Flexing and digital social pleasure: a socioeconomic study of fake lifestyles on Instagram Mubayyin, Afief
Socious Journal Vol. 2 No. 3 (2025): Socious Journal - June
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/sysy5859

This study explores the phenomenon of flexing as a status representation strategy in the digital visual economy, particularly on the Instagram platform. Flexing, or the practice of visually showcasing a luxurious lifestyle, is understood not simply as personal expression, but as part of the logic of affective and algorithmic capitalism that shapes the digital habitus of contemporary society. In this context, self-image becomes a symbolic commodity exchanged for visibility and social validation, creating performative pressures that are both emotional and structural. This study uses a descriptive qualitative approach through netnographic observation and semi-structured interviews to uncover how millennials and Gen Z individuals engineer their lifestyle images as a form of aesthetic and affective labor. The analysis shows that flexing blurs the boundaries between reality and illusion, reproducing inequality through commodified visual aesthetics. Within this dynamic, flexing can be read as a form of co-optation of neoliberal ideology, but also as a symbolic strategy for negotiating social position within an exclusionary structure. This research emphasizes that digital social pleasure is not a neutral space, but rather an arena filled with power relations, algorithmic pressures, and fantasies of meritocracy. Thus, fake lifestyles on social media are a structural symptom of the crisis of representation and the pressures of performativity in the contemporary digital economy.

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