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JESI (Jurnal Ekonomi Syariah Indonesia)
ISSN : 20893566     EISSN : 25031872     DOI : -
Core Subject : Economy,
JESI: Jurnal Ekonomi Syariah Indonesia adalah jurnal ekonomi yang memberikan kajian ekonomi syariah, lembaga keuangan syariah, dan bisnis syariah. Jurnal JESI berupaya untuk menyajikan hasil karya ilmiah, dalam bentuk tulisan yang mengulas pokok permasalahan perekonomian yang berlandaskan syariah islam.
Arjuna Subject : -
Articles 90 Documents
THE DISCLOSURE OF SHARIA NON-COMPLIANCE INCOME: COMPARATIVE STUDY BETWEEN FULL-FLEDGED AND SUBSIDIARIES MALAYSIAN ISLAMIC BANKS Puneri, Atharyanshah; Chora, Moustapha; Ilhamiddin, Nazarov; Benraheem, Hafiz
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (592.182 KB) | DOI: 10.21927/jesi.2019.9(2).104-117

Abstract

The purpose of this paper is to analyze to what extend Islamic banks in Malaysia practice disclosure regarding Sharia non-compliant income. Furthermore, this paper also investigates how bank distribute the Sharia non-compliant income. This paper acquires qualitative approach. The qualitative approach is adopted by doinga document analysisabout the literatures from previous studies that the Sharia non-compliant income.Based on the data collected, Bank Islam clearly and properly discloses its Sharia non-compliance income and we recommend any other Islamic banks to follow it. Also, the study find out that does not matter whether they are full-fledge or subsidiaries, the practice is quite the same.
UPAYA PENYELESAIAN KREDIT MACET PEMBIAYAAN MURABAHAH DENGAN METODE RESHEDULING DI BANK SYARIAH MANDIRI KANTOR CABANG PASAR 45 MANADO Jan, Radlyah Hasan; Yusuf, Yaumal Malik; Hasan, Faradila
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (168.914 KB) | DOI: 10.21927/jesi.2019.9(2).%p

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana proses penyelesaian kredit macet dalam pembiayaan murabahah dengan menggunakan metode reschedule pada Bank Syariah Mandiri Cabang Pasar 45 Manado. Metodologi penelitian yaitu pendekatan kualitatif. Hasilnya adalah Nasabah mengajukan permohonan untuk reschedule berdasarkan penawaran yang dilakukan oleh pihak Micro Financing Analist (MFA); Kemudian pihak bank menilai faktor-faktor yang menyebabkan nasabah tidak  dapat memenuhi kewajibannya, dan menilai keseluruhan kondisi nasabah dari segi riwayat pembayaran, keinginan bayar, dan iktikad baik nasbah untuk membayar sehingga pelaksanaan reschedule; pihak bank membuat table simulasi angsuran dari sisa pokok dan margin yang akan dilunasi oleh nasabah dengan jangka waktu maksimal reschedule atau restruk 60 bulan.  Jadi penanganan kredit bermasalah di Bank Syariah Mandiri Cabang Pasar 45 Manado pada umumnya menggunakan kebijakan penjadwalan kembali (reschedule) angsuran dengan melihat kondisi nasabah dalam hal kemampuan bayar, keinginan bayar, prospek usaha dan iktikad baik nasabah.
METODOLOGII PEMIKIRAN K.H. SAHALMAHFUDH TENTANG PENETAPAN ZAKAT UANG KERTAS Baiq Ismiati, Baiq
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (362.1 KB) | DOI: 10.21927/jesi.2019.9(2).%p

Abstract

AbstrakSecara umum selain bernilai ibadah zakat memiliki dua dimensi yaitu habluminallah dan habluminanas. Seiring perkembangan zaman khususnya dibidang ekonomi, mengakibatkan munculnya permasalahan yang harus ditangani seperti zakat uang kertas, yang baru muncul era abad 21 yang belum dikenal pada zaman Rasullullah saw. Sahal Mahfudh sebagai ulama-intelektual Muslim produktif memiliki pemikiran objektif terhadap setiap permasalahan yang muncul dalam masyarakat. Penelitian ini merupakan penelitian kepustakaan (library research) menggunakan pendekatan historis filosofis. Hasil penelitian menunjukan bahwa Sahal Mahfudh berpendapat bahwa uang termasuk kepada objek zakat. Walaupun uang pada masa dewasa ini terdapat beberapa perbedaan fungsi dan system, akan tetapi uang kertas mempunyai peran yang sama dengan dinaryaitu sebagai pengganti harga dan alat tukar. Berdasarkan tersebut, Sahal Mahfudh mewajibkan untuk mengeluarkan zakat uang kertas ketika uang mencapai nishab (batas minimal wajib zakat) adalah 77,57 gram, adapun perak 543,35 gram di memilikisatu tahun, pengemasan itu dilakukan melalui hadits dengan metodologi ra?yu (pendapat) dan qiyas (analogi).Kata kunci: Metodologi, K.H. Sahal Mahfudh, dan Zakat Uang Kertas AbstractIn general, besides zakat worship, it has two dimensions, habluminallah and habluminanas. Related to the development of special times in the economic field, resolved debates that must be resolved such as zakat banknotes, which only emerged in the era of the 21st century that is not yet known in the time of Rasullullah. Sahal Mahfudh as productive Muslim intellectuals has objective thoughts on every problem that arises in society. This research is a library research using a philosophical historical approach. The results showed that Sahal Mahfudh argues that money belongs to the object of zakat. Even though money today has several different functions and systems, paper money has the same role as that in place of prices and a medium of exchange. Based on that, Sahal Mahfudh obliged to issue zakah on banknotes when the money reached nishab (the minimum limit of obligatory zakat) was 77.57 grams, while silver was 543.35 grams in having one year, the packaging was carried out through the hadith with the ra'yu methodology (opinion) and qiyas (analogy).Keywords: Methodology, K.H. Sahal Mahfudh, and Zakat Banknotes
OPTIMALISASI ASSET WAKAF MELALUI SUKUK WAKAF DI INDONESIA Ilmiah, Dunyati
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (240.767 KB) | DOI: 10.21927/jesi.2019.9(2).%p

Abstract

Banyaknya tanah wakaf yang tidak diberdayakan secara produktif diakibatkan oleh ketiadaan dana untuk memberdayakan atau mengelola tanah wakaf tersebut. Pembiayaan menjadi faktor penting dalam pemberdayaan tanah wakaf agar menjadi wakaf yang produktif. Sukuk berbasis wakaf merupakan inovasi dalam memberdayakan asset wakaf untuk di produktifkan. Sukuk punya potensi yang cukup tinggi sebagai instrumen untuk memobilisasi dana keuangan syariah, karena merupakan salah satu instrument pembiayaan jangka panjang dan menjadi alternatif memperoleh dana investasi proyek. Sementara dana wakaf mempunyai kapasitas untuk mendapatkan income sebagai aktivitas sosial keuangan syariah dalam bentuk produk sukuk. Integrasi antara sukuk dan wakaf adalah inovasi yang menarik dalam keuangan islam. Sukuk berpotensi sebagai instrument untuk memobilisasi dana, sementara wakaf memiliki kapasitas untuk mendapatkan income dana aktifitas keuangan yang produktif. Karena itu, kolaborasi antara sukuk dan wakaf dapat menjadi inovasi dalam menyediakan pembiayaan berbiaya rendah untuk menjalankan keberlanjutan ekonomi.Metodelogi yang digunakan pada penelitian ini adalah metode eksploratif yang dilaksanakan melalui pendekatan studi literatur tentang sukuk, wakaf, serta menggali kajian-kajian dari penelitian sebelumnya tentang bagaimana mengoptimalisasikan wakaf melalui sukuk. Tehnik pengumpulan data menggunakan studi kepustakaan yang memiliki relevansi dengan permasalahan yang akan dibahas. Pada penelitian optimalisasi asset wakaf ini, pengolahan data hanya ditujukan pada analisis data secara deskriptif kualitatif, di mana materi atau bahan bahan terkait wakaf dan sukuk selanjutnya akan dipelajari sekaligus dianalisis, sehingga dapat diketahui kesesuaian, pemanfaatan dan gagasan-gagasan baru. Hasil dari penelitian ini adalah Optimalisasi asset wakaf dengan menerbitkan sukuk wakaf sekurang-kurangnya ada empat pihak yang terlibat yaitu Badan Wakaf Indonesia (BWI) selaku nadzir, Developer, Special Porpose Vehicle (SPV) selaku penerbit sukuk, Investor. Sukuk dan wakaf adalah dua instrument yang berbeda namun dikolaborasikan menjadi satu melalui sukuk wakaf dengan tujuan untuk memperoleh nilai maslahat yang lebih besar. Sukuk yang dibangun atas akad ijaroh yang memiliki sifat bisnis, sementara wakaf yang dibangun atas akad yang bersifat sosial, tidak adanya imbal hasil.
PERSEPSI DAN MINAT MASYARKAT TERHADAP ASURANSI SYARIAH DI KABUPATEN TANGERANG Khumaini, Sabik; Husein, Muh Turizal
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (330.806 KB) | DOI: 10.21927/jesi.2019.9(2).86-93

Abstract

AbstractIslamic insurance is an effort to protect each other and help among a number of people through investments in the form of assets or tabarru 'which provide a pattern of taking to face certain risks or dangers through a contract that is in accordance with sharia. This study aims to determine and analyze people's perceptions and interests in Islamic insurance in Tangerang Region.The sampling technique uses purposive sampling method. The data used are primary data obtained based on respondents' answers to the questionnaire given. This study uses multiple linear regression analysis methods with the classic assumption test, descriptive analysis, t test (partial), F test (simultaneously), and coefficient test.The results showed that partially the perception and interest variables of the community had a significant positive effect on islamic insurance. Furthermore, simultaneously the perception variable, and community interest have a significant positive effect on islamic insurance in Tangerang Region with a level of significance of less than 5%.Keywords: insurance, Islamic, perception, interestAbstrakAsuransi syariah adalah usaha untuk saling melindungi dan tolong menolong diantara sejumlah orang yang melalui investasi dalam bentuk aset atau tabarru? yang memberikan pola pengambilan untuk menghadapi risiko atau bahaya tertentu melalui akad yang sesuai dengan syariah. Penelitian ini bertujuan untuk mengetahui dan menganalisis persepsi dan minat masyarakat terhadap asuransi syariah di Kabupaten Tangerang.Teknik pengambilan sampel menggunakan metode purposive sampling. Data yang digunakan adalah data primer yang diperoleh berdasarkan jawaban responden terhadap kuesioner yang diberikan. Penelitian ini menggunakan metode analisis regresi linier berganda dengan uji asumsi klasik, analisis deskriptif, uji t (secara parsial), uji F (secara simultan), dan uji koefisien.  Hasil penelitian menunjukkan bahwa secara parsial variabel persepsi dan minat masyarakat berpengaruh positif signifikan terhadap asuransi syariah. Selanjutnya, secara simultan variabel persepsi, dan minat masyarakat berpengaruh positif signifikan terhadap asuransi syariah di Kabupaten Tangerang dengan level of significance kurang dari 5%.Kata kunci: Asuransi, Syariah, Persepsi, Minat
PERANAN OTORITAS JASA KEUANGAN (OJK) SEBAGAI LEMBAGA MUHTASIB DALAM INDUSTRI KEUANGAN SYARIAH DI INDONESIA Salam, Abdul; Irsyad, Syaiful Muhammad
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (368.684 KB) | DOI: 10.21927/jesi.2019.9(2).73-85

Abstract

In Indonesia, one of the institutions that can be considered a Muhtasib institution in the sharia financial sector is the Financial Services Authority (OJK). As Law Number 21 of 2011, the OJK has the function of organizing an integrated system of regulation and supervision of all activities in the financial services sector which include financial service activities in the Banking sector; financial service activities in the Capital Market sector; and financial service activities in the Insurance, Pension Funds, Financing Institutions and Other Financial Services Institutions sectors, including the Islamic finance industry sector. This study will unravel the extent of the role of the FSA as the Muhtasib in the Islamic finance industry in Indonesia, especially in the regional areas of Central Java and D.I. Yogyakarta.This research did 2 (two) kinds of research, they are field of study and literature study. The collecting data of this research through observation and non-structured interview. The methode of data collection is conducting  interviews  with  the Central Java OJK, OJK D.I. Yogyakarta.The conclusion of this study is that the role of the Financial Services Authority (OJK) in Regional Region 3 of Central Java and Yogyakarta as a Muhtasib institution in supervising the Islamic financial industry in Central Java and Yogyakarta is quite significant, although with some notes, including the position of OJK Regional 3 Central Java and DIY Yogyakarta which is only able to reach Islamic financial institutions (LKS) whose head office is located in Central Java and Yogyakarta, while LKS only has branch offices in Central Java and Yogyakarta Yogyakarta. Is the authority of the Regional OJK 3 of Central Java and DIYogyakarta, meaning that it is the domain of the authority of the Central OJK in Jakarta. The problem is if there is a violation or an act that is against the law, then the Regional OJK 3 of Central Java and D.I. Yogyakarta is only reporting or coordinating with the Central OJK. The Financial Services Authority (OJK) in Region 3 of Central Java and Yogyakarta Yogyakarta has carried out its function as an actress in the context of violations of law or criminal acts, in which the OJK has played a function as an investigator and then reported to law enforcement officials (APH ) and submitted to the judicial process. However, related to the implementation of the Microfinance Institution Law, OJK has not been able to carry out its function as a constitutional acter in enforcing Article 39 of the LKM Law regarding the existence of BMTs in the community which should abide and comply with licensing regulations under the OJKKeywords: Financial Services Authority, Muhtasib Institution, Sharia Financial Industry
INOVASI FINANCIAL TECHNOLOGY (FINTECH) PADA ASURANSI SYARIAH (STUDI KASUS: PT DUTA DANADYAKASA TEKNOLOGI) Nuranggraeni, Indri
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (722.878 KB) | DOI: 10.21927/jesi.2019.9(2).94-103

Abstract

This study aims to identify problems, solutions and strategies in decision making of fintech innovation insurance, with the approach method is Analytic Network Process (ANP). The data collections which are depth interview and questionnaire were collected from the respondent. The results showed that the priority issues faced in fintech innovation insurance are human aspect which consists of human resource lacks and regulatory challenges; product aspect which consists of product penetration and asset market penetration fractional shari?ah. Solutions which are needed in fintech innovation insurance are aspect human which consists of resource and regulation minimalism; product aspect which consists of product research and product innovation. Strategies in fintech innovation insurance are socialization, education, cooperation and digital marketing. Socialization gives the most influence on fintech innovation insurance to introduce fintech in facing digital era. Education needs to be held periodically as well as in the process of fintech to get the assistance of the Otoritas Jasa Keuangan (OJK) as a regulatory to comply with the government policy. It needs the cooperation among companies from being charged business model with the existence of promos for insurance participants or potential participants so that people recognize and be interested, invite to all society levels of the insurance importance in life to reduce any risk that might occur and to invite all people participating in fintech innovation.Keywords: Analytic Network Process, islamic insurance, fintech
MENINGKATKAN KINERJA KARYAWAN MELALUI EXPECTANCY THEORY DALAM MOTIVASI Suripto, Teguh
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 5, No 2 (2015)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (203.674 KB) | DOI: 10.21927/jesi.2015.5(2).115-123

Abstract

Abstract Competition and economic growth has led many companies strive to improve its quality. Many efforts made by the company to improve its quality, including improving the process of production, did diversifying products, and motivating employees to improve performance. All of these efforts make a lot of companies have a lot to do an evaluation of His attempt. By understanding expectancy can be arranged planning employees good motivation, which can improve employee performance. Therefore learn Expectacy employees, as stipulated in the Expectancy Theory can help companies to plan and mapping motivation will be given to employees. Furthermore, how Expectancy Theory in motivation able to provide guidelines for the planning of motivation in the company? Is Theory expectancy implementation can improve the performance of employees in the company? Writing this using literature study, using journals and book library. The study concluded among other things, that an approach that can be used to megetahui what drives human beings is Expectancy Theory. This approach assumes that people will take action to achieve the goals that he considered valuable. Expectancy Theory is basically capable of providing employee performance improvement, because, in the provision of motivation, employees and leaders working to achieve the expected goals together, and also conduct a review and evaluation of the results. Keyword: Expectancy Theory, Motivation, Performance
BAITUL MAAL WAT TAMWIL LEGALITAS DAN PENGAWASANNYA Cahyadi, Thalis Noor
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 2, No 2 (2012)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.576 KB) | DOI: 10.21927/jesi.2012.2(2).167-186

Abstract

Abstract As one of the non-bank sharia financial institution, BMT has grown rapidly in Indonesia. But the condition has not been supported by legality of BMT clearly. Until now, there is no regulation for BMT both inform a law and rules under the law, which states directly to existence of BMT. Some experts stated that BMT is same as cooperation in order to BMT subjects to the Law of Cooperation but other experts stated that BMT ran like a bank, so that it can not subjects to the law of cooperation, but must be a bank agrees with the banking laws. The problem is one of many problems founded. Another problem is watching and controlling problems. This paper will discuss about the legality and controlling of BMT. Keywords: BMT, legality, controlling.
Studi Analisis Hukum Islam Terhadap Penerapan Akad Murabahah Pada Pembiayaan Modal Kerja ( Studi Kasus Bmt Bina Ihsanul Fikri Yogyakarta ) Ngasifudin, Muhammad; Fauziah, Nur
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 6, No 2 (2016)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.698 KB) | DOI: 10.21927/jesi.2016.6(2).%p

Abstract

Artikel ini berusaha untuk memeriksa konsep akad murabahah dalam fiqh dan beroperasi sesuai dengan fatwa DSN, akad murabahah di perbankan syariah sebagai salah satu produk perbankan syariah dengan skim permintaan dan menjadi penyumbang terbesar keuangan. Begitu besar minat pada produk murabahah ini, itu bukan berarti produk perbankan syariah lainnya dianggap tidak menguntungkan pertama produk yang ditawarkan oleh perbankan syariah adalah membeli dan menjual produk-produk keuangan. Dan hal itu dilakukan untuk mengetahui dan mengetahui karakteristik calon pelanggan perbankan Islam