<p>Based on research finding, in fact, the influencing factors on <em>mudharabah</em> Financing demand of vegetable traders are not influenced by business coaching, nor agreement that appropriate with <em>syari’ah</em> principle, vegetable traders, and BMT customer asked for Financing. Market society and market management do not understand about <em>syari’ah</em> Financing using profit sharing principle. No collateral is a dominant factor in influencing <em>mudharabah</em> Financing demand of vegetable traders at Giwangan Traditional Market. Islamic levels of BMT customers do not also influence<em> mudharabah</em> Financing demand. This is because a lot of mistrust from market community to BMT using profit sharing and the existence of Giwangan Market is unregistered as a legal financing institution at the market management. </p><p>The profit sharing method still holds bank interest system; it can be seen at the amount of money that should be paid by BMT customers in the early agreement. The use of bank interest system is very contrary to Islamic principles and the vision, mission and goals of BMT.</p><p>Keywords: Financing, <em>Mudharabah</em>, BMT, Market.</p>

<p>This research is a library research by using books and other literatures as the main object. The study in this paper provides a clear, objective, analytical and critical overview of the existing phenomena regarding the development of Islamic economics in Indonesia in the perspective of Islamic philosophy. Currently, there are still some discrepancies between the concept and its application in Islamic Economics. It took a lot of time to find meaning from the concept of Islamic economics through the Islamic law/maqasid sharia approach. The search for meaning is of course through inquiries by involving many researchers both from insiders and outsiders. The concept of maqasid shari'ah is strongly influenced by interpretation, perspective, educational background and depth of religious knowledge.</p><p>In the study of the philosophy of the Islamic sciences, one of the efforts to break the stagnation of Islamic economic concepts and thinking is through the deconstruction of critical thinking with a critical paradigm. It is needed to avoid logocentrism (centered on its own logos/way of thinking). Each mahzab of Islamic economics should be aware that religious understanding from nash is essentially only one possible meaning of the many other possible meanings hidden behind the nash. This is to avoid the reality of the sacralization of each other's understanding so that it triggers conflict with the understanding of others. That way, the common thread of the concept of Islamic economics can be found together to be a reference for practice its field.</p><p>Keywords; Economics, Islam, <em>Maqasid Sharia</em>, Philosophy.</p>

<p>Penelitian ini bertujuan untuk mengetahui perbedaan omzet penjualan sebelum dan sesudah menggunakan program kampung UKM digital pada Sanggar Batik Kayu Krebet Sendangsari Pajangan Bantul yang mendapatkan program kampung UKM digital dari Pemerintah Daerah Bantul. Sanggar Batik Kayu di dusun Krebet yang mendapatkan program kampung UKM digital sebanyak 5 sanggar. Omzet penjualan yang dipakai adalah omzet yang didapatkan melalui pemasaran konvensional dan <em>online</em> melalui; <em>Facebook, Instagram, Website, Blanja.com, dan Qlapa.</em></p><p>Data dalam penelitian ini merupakan data kuantitatif dan kualitatif dengan menggunakan data campuran. Data diperoleh dari 5 Sanggar Batik Kayu Krebet yang mendapatkan hibah program kampung UKM digital. Metode analisis data yang digunakan peneliti dalam penelitian ini adalah menggunakan <em>uji paired sample t test</em> dan <em>uji wilxocon signed rank test</em>.</p><p>Hasil penelitian yang di dapat dengan menggunakan uji <em>paired sample t test</em> menunjukkan bahwa terdapat perbedaan yang signifikan antara omzet penjualan sebelum dan sesudah menggunakan fasilitas program kampung UKM digital dengan <em>uji paired sample t test, </em>adapun hasil uji taraf sig-2 tailed 0,36. Sedangkan hasil uji dengan <em>wilxocon signed rank test</em> mempunyai taraf nilai Z sebesar -2,023, dengan signifikansi 2- tailed sebesar 0,043. Artinya nilai signifikansi 0,043 &lt; 0,05, maka Hο ditolak atau ada perbedaan omzet penjualan sebelum dan sesudah menggunakan fasilitas program kampung UKM digital.</p><p> </p>

<p>Based on research finding, <em>santris’ </em>perspective toward market as the main role of economic which should conform <em>syariah</em> principles in order to get <em>halal</em> and <em>toyyib</em> profit. To create an Islamic market it is necessary to build Islamic markets or Islamize markets, in other words to fix the existing contract based on the <em>syariah</em> principles. In Islamic market, traders who do not understand <em>syariah</em> law are not allowed to enter the market. They can get training on syariah law, so can apply it on the market. Based on <em>santris’</em> perspective, an Islamic market is not made based on whether or not there is rent and retribution fee. It is how the market does the transaction with <em>syariah</em> principles.  </p><p>On <em>santris’</em> perspective, exchange medium in Islamic market is not always dinar and dirham. It does not emphasize exchange medium but traders’ behavior whether they do the transaction based on <em>syariah</em> principles or not. Furthermore, using dinar or dirham does not guaranty no-usury because gold and silver belong to usury item. The most important thing is a role of <em>hisbah</em> council in watching market activities. They should watch the market and see how the transaction happened between traders.</p><p>Keywords: market, Islam, Santri</p>

KJKS BMT is an institution that serves as an intermediary (Intermediary PENDAHULUANEksistensi lembaga keuangan khususnya sektor perbankan menempati posisi sangat strategis dalam menjembatani kebutuhan modal kerja dan investasi di sektor riil dengan pemilik dana. Dengan demikian, fungsi utama sektor perbankan dalam infranstruktur kebijakan makro ekonomi memang diarahkan dalam konteks bagaimana menjadikan uang efektif untuk meningkatkan nilai tambah ekonomi ( how to make money effective and effi cient to increase economic value ) (Muhammad, 2005).Banyak bank tidak memiliki strategi usaha yang fokus. Penyaluran kredit dilakukan serampangan tanpa melalui strategi segmentasi/distribusi dan diversifi kasi yang jelas. Sementara itu, struktur dan kemampuan sumber dana pendukung ekspansi sangatlah lemah sehingga menimbulkan gap yang cukup besar. Lebih mengerikan lagi, ternyata banyak bank yang beroperasi dengan