EKSYAR: Jurnal Ekonomi Syari'ah & Bisnis Islam 2020-09-16T07:26:15+00:00 EKSYAR Open Journal Systems <div style="text-align: justify;">EKSYAR: Jurnal Ekonomi Syari'ah &amp; Bisnis Islam STAI Muhammadiyah Tulungagung Telah Masuk Jurnal <strong>DOAJ </strong>Internasional. E-journal ini merupakan versi online dari edisi cetak Edukasi yang diterbitkan oleh Program Studi <em><strong>EKONOMI SYARIAH </strong></em>STAI Muhammadiyah Tulungagung Jawa Timur Indonesia <p align="justify">Untuk mengakses artikel yang dimuat dalam jurnal ini, silahkan klik <strong>ARCHIVES</strong>. ISSN (Cetak): <em><strong>2XXXXXX</strong></em> &amp; ISSN (Online): <em><strong>2407-XXXX</strong></em></p> <p align="justify"><em><strong>Penyunting menerima sumbangan tulisan yang belum pernah diterbitkan dalam media lain. Naskah diketik di atas kertas berukuran A4 spasi 1,5 sepanjang lebih kurang 20 halaman, dengan format seperti tercantum pada Pedoman Bagi Penulis di bagian belakang jurnal ini atau di web: Naskah yang masuk dievaluasi dan disunting untuk keseragaman format, istilah dan tata cara lainnya.</strong></em></p> <p>Seluruh artikel yang masuk akan dilakukan <strong><em>review</em></strong> minimal dua orang <em><strong>reviewer</strong>,</em> dan hasil <strong><em>review</em> </strong>akan dipublikadikan setelah mendapat persetujuan dari dewan penyunting.</p> <p>Untuk <em><strong>scanning plagiarism</strong>, </em>Edukasi menggunakan media Google untuk melacak tingkat plagiarisme naskah.</p> <p>Alamat Penyunting dan Tata Usaha: Subag Umum Urusan Penerbitan (Perpustakaan) STAI Muhammadiyah Tulungagung Lantai II<a href="''/staim/@-8.0495898,111.90616,2191m/data=!3m1!1e3!4m8!4m7!1m0!1m5!1m1!1s0x2e78e32ca98fb6db:0x41d86973e660e3d8!2m2!1d111.9060181!2d-8.0495733" target="_blank" rel="noopener"> Jl. Pahlawan Gg.III / 27 Tulungagung</a> Telepon (0355) 322376 email;</p> </div> Upaya Pengelolaan Percetakan Biru dengan Analisis SWOT 2020-09-14T07:22:37+00:00 Anang Setyawan <p><em>Printing is an industry that is experiencing rapid development. The purpose of this study was to determine the efforts to manage the blueprint with POAC management and SWOT analysis. This type of research is a qualitative descriptive field research with data collection techniques, interviews, observation and documentation. The data analysis technique used is the IFAS, EFAS, IE, SPACE and SWOT matrix. The results showed that the Planning, Organizing, Actuating and Controlling processes were carried out with the main target being students so that the POAC activities were adjusted to the course schedule, the results of the IFAS 3.88 and EFAS 3.88 analysis, with the highest assessment on the SO strategy, namely maximizing the power to seize existing opportunities, namely more innovating with products, expanding market share, and making affordable or discounted prices. Percetakan Biru is in quadrant 1 which means that it is growing and developing</em></p> <p><strong><em>Keywords</em></strong><em>: Effort; Management; SWOT.</em></p> 2020-09-14T00:00:00+00:00 Copyright (c) 2020 Anang Setyawan IMPLEMENTASI KEBIJAKAN PERATURAN OTORITAS JASA KEUANGAN (POJK) NO.11/POJK.03/2020 DALAM MENEKAN NON PERFORMING FINANCING (NPF) PADA PERBANKAN SYARIAH 2020-09-14T05:01:44+00:00 Fatkhur Rohman Albanjari Catur Kurniawan <p><em>The Coronavirus Disease-19 pandemic is an outbreak that has hit the world, with no exception for Indonesia. Many things are harmed from all aspects of life ranging from political, social, cultural, religious and economic fields. It also has an impact on the melemamahnya sharia banking system in Indonesia. This research has the purpose of knowing how the Financial Services Authority Regulation Policy (POJK) No.11/P</em><em>OJK.03/2020 in Suppressing Non Performing Financing (NPF) in Sharia Bank. This study uses narrative qualitative research methods with primary data from various electronic media, journals, and books, and related sources. The results of this study show that banks can implement policies that can support economic growth for sharia bank financing customers affected by the spread of Covid-19. Customers who get a restructuring waiver policy are customers affected by Covid-19 directly or indirectly. </em></p> <p><strong><em>Keywords: </em></strong><em>OJK Regulation, Covid-19, Bank Syariah, Non Performing Financing</em></p> 2020-09-14T00:00:00+00:00 Copyright (c) 2020 Fatkhur Rohman Albanjari ANALYSIS OF THE IMPLEMENTATION OF AKAD BAI 'BITSAMAN AJIL AND DETERMINING MARGIN ADVANTAGES ON FINANCING THE WORKING CAPITAL OF MICRO BUSINESSES IN BAITUL MAAL WA TAMWIL MUAMALAH TULUNGAGUNG 2020-09-12T01:55:05+00:00 Mei Santi Hasan Sultoni Hasan Sultoni Arga Fajar Mustofa <p><em>Financing products with a bai' bitsaman ajil contract is one of the financing products offered by BMT Muamalah Tulungagung and is a type of product that is quite in demand by micro businesses to meet working capital needs such as for purchasing goods or business equipment and other productive working capital needs. However, in practice, there are still many people who tend to equalize the implementation and consider the profit margins determined to be similar to those in conventional banks. So it needs to be further investigated, with the formulation of the problem in this study, namely: How is the implementation of the bai’ bitsaman ajil contract on the financing of working capital for micro businesses in BMT Muamalah Tulungagung? and What is the technique for determining the profit margins of the bai’ bitsaman ajil in financing working capital for micro businesses in BMT Muamalah Tulungagung?. This research belongs to the type of field research with a qualitative research approach and data collection is done by observation, interview and documentation techniques. Based on the results of the study, it can be stated that the implementation of the bai’ bitsaman ajil in financing contract on microbusiness working capital financing in BMT Muamalah Tulungagung is carried out through two models, namely the bai’ bitsaman ajil in financing contract in a pure manner and the bai’ bitsaman ajil in financing a covenant with the inclusion of wakalah contract. Basically, the implementation refers to sharia provisions, but in the implementation, especially the bai’ bitsaman ajil in financing contract by including wakalah agreement has not been fully implemented in accordance with the provisions of the DSN-MUI Fatwa. While the technique of determining profit margins for bai’ bitsaman ajil in financing working capital for micro businesses in BMT Muamalah Tulungagung has been carried out based on sharia provisions, which is carried out through an agreement between the BMT and members and in the determination of profit margins is carried out through considerations as determined at the meeting ALCO Islamic bank.</em></p> 2020-09-12T00:00:00+00:00 Copyright (c) 2020 Mei Santi, Hasan Sultoni, Hasan Sultoni, Arga Fajar Mustofa PENGARUH HARGA DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN ROKOK 2020-09-12T02:01:46+00:00 Mustafidah Mahardhika <p><em>The aim of this research is to find out the effect of </em><em>price and product quality on buying decision of Gudang Garam Surya 12 cigarette in Sendangbumen Berbek Nganjuk</em><em>. To achieve the </em><em>objectives</em><em> of this research, researcher uses quantitative research approach with survey research method.</em> <em>The population in this </em><em>research</em> <em>are</em><em> all cigarette consumers of Gudang Garam Surya 12 in Sendangbumen Berb</em><em>ek</em><em> Nganju</em><em>k</em><em>. The sampling technique used </em><em>is</em><em> accidental sampling technique with a research duration of 9 days in a month. The research instrument use interview, observation, and questionnaire techniques for </em><em>collecting datas</em><em>.</em> <em>Based on data analysis uses multiple linier regression analyze, we can conclude</em><em> that </em><em>price (X</em><em><sub>1</sub></em><em>) and product quality (X</em><em><sub>2</sub></em><em>) have a simultaneous influence on </em><em>buying </em><em>&nbsp;decision of Gudang Garam Surya 12 cigarettes in Sendangbumen Berbek Nganjuk. Partially, price (X</em><em><sub>1</sub></em><em>) and product quality (X</em><em><sub>2</sub></em><em>) also significantly influence </em><em>on buying</em><em> decision </em><em>of</em><em> Gudang Garam Surya 12 cigarettes in Sendangbumen Berbek Nganjuk. All </em><em>of those</em><em> variables </em><em>have</em><em> 72%</em><em> contribution</em> <em>to</em><em> influen</em><em>ce</em> <em>buying</em><em> decision </em><em>of</em><em> Gudang Garam Surya 12 cigarettes in Sendangbumen Berbek Nganjuk.</em></p> 2020-09-12T00:00:00+00:00 Copyright (c) 2020 Mustafidah Mahardhika MODERNISASI PENGHIMPUNAN DANA ZAKAT DI ERA INDUSTRI 4.0 (Upaya Strategis dalam Optimalisasi Potensi Dana Zakat di Indonesia) 2020-09-14T13:41:23+00:00 Muchamat Amarodin <p><em>Zakat has a very important and strategic role in terms of muamalah or the backbone of the welfare of the people. Not only does it have a social dimension, but zakat also has an economic dimension which is very important for realizing the welfare of the people. Therefore, making zakat becomes a study topic that is always discussed in the context of realizing social justice in people's lives. Changes in lifestyle that are influenced by the era of industrial modernization 4.0 and the enormous potential for zakat funds in Indonesia, of course this is a challenge in itself in optimizing zakat funds in Indonesia. Therefore, OPZ should describe the technological challenges in socializing zakat to the public with the aim of maximizing the collection of zakat funds by utilizing existing technology channels so that the collection of zakat funds by OPZ is more modern and ready to face the challenges of the current digital industry 4.0 era.</em></p> <p><strong><em>Keywords</em></strong><em>: Modernization, Collection, Zakat and Industry 4.0</em></p> 2020-09-14T00:00:00+00:00 Copyright (c) 2020 Muchamat Amarodin PENGEMBANGAN SEKTOR PARIWISATA RELIGI MAKAM BEDALEM PENGERAN BENOWO KABUPATEN TULUNGAGUNG DALAM MENINGKATKAN EKONOMI MASYARAKAT DITINJAU DARI PRESPEKTIF EKONOMI SYARIAH 2020-09-16T07:13:39+00:00 Uswatun Na'imah <p><em>This research has the aim to know the Development of Religious Tourism Sector of Bedalem Pangeran Benowo Regency tulungagung regency in improving the community economy reviewed from Sharia Economic Perspective. In this study used a qualitative approach with this type of elaboration. Data retrieval with interviews and observations. The results of this study are (1) The facilities and infrastructure owned by religious attractions of prince Benowo's tomb in Bedalem are adequate, but still require a lot more development in the field of development (2) Factors supporting the development of religious tourism sector in improving the economy of the community such as, bedalem tomb location is easy to reach because the location of Bedalem tomb is near the highway. (3) Factors related to the development of religious tourism sector in improving the economy of the community include: Difficulty of government bureaucracy regarding the licensing of development in the religious tourism sector of Bedalem cemetery, Difficulty in the land acquisition of citizens in order to expand the area of the religious tourism sector bedalem tomb, cleanliness maintained brings a less attractive impression for the view around the tomb, The parking lot in bedalem cemetery is less spacious, the number of public facilities such as toilets and food stalls is insufficient and not to the taste of the wishes of pilgrims , there are no health facilities considering the location of the tomb on the hill which is difficult to get treatment immediately if there are pilgrims who are sick.</em></p> <p><strong><em>Keywords :</em></strong><em> Religious Tourism, Community Economy, Sharia Economy</em></p> 2020-09-16T00:00:00+00:00 Copyright (c) 2020 Uswatun Na'imah PEMBERDAYAAN BADAN USAHA MILIK DESA (BUMDes) DALAM UPAYA PENGEMBANGAN EKONOMI KERAKYATAN PERSPEKTIF SYARIAH DI TULUNGAGUNG 2020-09-16T07:26:15+00:00 Ahmad Saifudin <p><em>The purpose of this research is to know the empowerment of village-owned enterprises in the development of sharia pre-prestige populist economy in Tulungagung kabutapen. In this study, we used a field research method that is degenerative with a qualitative approach with a type of multi-site research. Data collection techniques are in-depth interviews, participant observation and documentation, then data analysis is done with data collection, observation data analysis, data reduction, data presentation and data verification. The results of the study that can be found by researchers are (1) BUMDes Wahana Lestari Babadan Village has been going quite well, this can be seen in the number of business units that it runs. Such as borrowed storage units and real sector units (BRI Link, Sugar cane land management and traditional sugar milling). While BUMDes Sumber Rejeki Samir Village is already running but not yet maximal, this can be seen in the amount of funds managed and business units run in the form of partnerships in the sale of organic fertilizers and sentrat. (2) The obstacles faced by BUMDes Wahana Lestari Babadan Village in the performance of the shopping unit are less maximal, the congestion of customer loan funds, the existing human resources are less maximal and the lack of socialization to the community. Meanwhile, the obstacles faced by BUMDes Sumber Rejeki Samir Village are lack of business capital, lack of socialization and lack of communication with the village government. (3) Community participation in the process of implementing the economic development of sharia perspective through BUMDes Wahana Lestari Babadan Village is seen with the high participation of people who use bumdes managed services such as loan storage units, and BRILink. While the community participation in BUMDes Sumber Rejeki Samir Village is also quite good seen in the needs of farmers for fertilizer and sentrat is sufficient at an affordable price. (4) The way BUMDes in Babadan Village and Samir Village in order to maintain its existence in different communities. The difference lies in networking, BUMDes in Babadan Village intertwined relationships in the state of financial institutions only through BRI while BUMDes in Samir Village through individual partnerships (Mr. Hanafi). While on the side of time management, and control system (logging), in both BUMDes is already running quite well.</em></p> <p><em>Keywords: Empowerment, BUMDes, Populist Economy, Sharia</em></p> 2020-09-16T00:00:00+00:00 Copyright (c) 2020 Ahmad Saifudin