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Kab. ponorogo,
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INDONESIA
Jurnal Ekonomi Islam
ISSN : 25415573     EISSN : 25415573     DOI : -
Core Subject : Economy,
Islamic Economics Journal published semi-annually (June and December) by Department of Islamic Economics, Faculty of Economics and Management, University of Darussalam Gontor. Editors accept scientific articles and result of research in accordance with contemporary Islamic economics issues.
Arjuna Subject : -
Articles 109 Documents
PARAMETER PENGEMBANGAN PRODUK-PRODUK PERBANKAN SYARIAH DENGAN PENDEKATAN MAQASID SYARIAH (STUDI KASUS DI PERBANKAN SYARIAH KOTA PONOROGO) Muqorobin, Ahmad; Cahyo, Eko Nur
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.4004

Abstract

Currently, the development and growth of Islamic banking show a positive trend that increases every year. This encourages Islamic banks to produce innovative products which customer needs. However, the methods used to develop products differ from one country and another. For Indonesia, one parameter is needed to harmonize all product developments produced by Indonesian Islamic banking. The purpose of this study is to explore the challenges of current Islamic banking in producing products and make a parameter as a reference for developing Islamic banking products with the Maq?sid Sharia approach for the realization of maslahah. To achieve this study using several methods such as interviews, content and descriptive analysis. The results of this study are the parameters that have been applied with the development product in Islamic banking Ponorogo citywith the Maq?sid Sharia approach. A product can produce maslahah if the five elements in Maq?sid shari?a are achieved, namely; (1) Preservation of religion by the basis of the product offered is based on the Al-Qur'an, Sunnah, and DSN-MUI, (2) Preservation of life, it is manifested by the service and supply to customers in accordance with Islamic ethics, (3) Preservation of intellect, with a form of banking business to explain in detail related to products offered to customers in a clear, (4) Preservation of wealth, it is realized with the management of property management client in Islam, (5) Preservation of progeny, by applying the four things previously, to guarantee halal and affect the sustainability of living for the family and the children of clients.
ZAKAT DAN JIZYAH SEBAGAI PENGENDALI SISTEM MONETER: SEBUAH KAJIAN KONSEPTUAL Nugroho, Wahyu; Syamsuri, Syamsuri; Arif, Syamsuddin; Fadli, Dzul
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.3809

Abstract

In the history of Islamic civilization, a state guarantees the resource availability through the role it's government, so it can maintain the welfare of its people. The government is free to determine the state?s income policy, which must be fair and not violate sharia. Among the state income policies in Islam are zakat and jizya. Zakat is imposed on Muslims, while jizya is on non-Muslims. History records that both can influence the monetary economy in Muslim countries. Principally, these two are not the same. So, the purpose of this research is to find the concept of zakat and jizya as monetary controllers. This research uses the qualitative method of historical approach, by using past data to understand the events that took place at the moment.The concept of zakat is worship for Muslims to get closer to God and purify the wealth. Meanwhile, jizya is required from non-Muslims as a form of obedience to the government which guarantees their lives in an Islamic state. Moreover, both can affect state's monetary. Because when a Muslim pays zakat, it will increase wealth distribution (aggregate demand), as a result, the recipient becomes prosperous, with the assumption that they will invest. This investment will shift the demand for money (aggregate supply) so that the number of goods and services also increases. Meanwhile, jizya is distributed to government operations including security, so that security can also increase public confidence in carrying out real economic activities, production, distribution, and consumption. Therefore, if zakat and jizya are managed properly, they will keep inflation down. Moreover, it can even eliminate the economic crisis and improve people?s welfare.
ANALISIS PENGARUH PELAYANAN PADA LEMBAGA KEUANGAN SYARI’AH TERHADAP KEPUASAN DAN LOYALITAS NASABAH DI BANK MUAMALAT INDONESIA KANTOR CABANG YOGYAKARTA Rizal Fahmi, Annas Syams
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.4003

Abstract

Customer loyalty is a very important factor in the world of financial institutions because loyalty is largely determined by customer satisfaction itself, so customer satisfaction greatly affects customer loyalty. In this case, the researcher will examine the Financial Institution in terms of services provided to customers, whether the service has an influence on customer satisfaction and loyalty to financial institutions. Researchers are interested in Bank Muamalat Indonesia as the originator of Islamic banks in Indonesia, which can keep the economic system in Indonesia stable during the monetary crisis. In this case, as a Sharia Bank, financial institution services provided should be the maximum service in accordance with Islamic values, this is one of the factors researchers to analyze, whether the services provided by banks can provide satisfaction to consumers, and whether bank customers muamalat Indonesia already feel satisfied or not.Then to make it easier to analyze the data, the researcher used the SPSS measuring instrument, using instruments from the Likert scale, validity test, reliability test, classic assumption test. In analyzing the data the authors use primary data and secondary data, namely by questionnaires, and interviews and company documents as secondary data. Then it will be tested using multiple linear regression testing so that it will come out the data t arithmetic, t table, f arithmetic, and f table.Based on the t test the Service variable influences Customer Satisfaction at Bank Muamalat Indonesia Yogyakarta Branch Office, which can be shown by t count greater than table (1,981> 1,290). And based on the t test shows that t count is greater than t table (2.188> 1,290), meaning that the service variable has a significant positive effect on customer loyalty variables. From the results of research that has been measured with this SPSS tool, it is found that service has a significant effect on customer satisfaction and loyalty.
بيع السّلم وتطبيقاته المعاصرة في المصارف الإسلامية في إندونيسيا Hubur, AA
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.3917

Abstract

This research aims to determine the importance of the applications of salam contract on Islamic banking in Indonesia, it focuses on discussing the legality and validity aspects related to salam contract in sharia view. The research also determines in terms of how the contemporary application of salam contract on Islamic banking and the areas of its applications in Indonesia. The research uses descriptive and analytical methods by viewing library resources and personal interviews with experts and employees on Islamic banking in Indonesia. The results of the research concluded that salam contract is in accordance with the demands of financing and is needed to become one of the sharia-based financing products. It concludes that this contract still requires a lot of theoretical and applied studies and research to highlight its financial characteristics and capabilities in economic reality.
PESANTREN VALUE ADDED SEBAGAI MODAL PEMBERDAYAAN EKONOMI MASYARAKAT KECAMATAN CIBADAK LEBAK BANTEN Fathoni, Muhammad Anwar; Rohim, Ade Nur
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.4002

Abstract

This study aims to describe and analyze community economic empowerment models through added value owned by pesantren (pesantren value-added). So that it can measure the extent to which pesantren resources are able to empower the economy of the surrounding community. This research is conducted at the modern boarding school Manahijussadat in Lebak Regency, Banten. This research was conducted by identifying and analyzing community economic empowerment models conducted by pesantren. This research is a descriptive study that uses a qualitative approach. The object of this research is modern boarding school Manahijussadat in Pasar Keong Village, Cibadak Lebak District, Banten. The purposive sampling technique is used in this project with both primary data and secondary data. Primary data is collected through interviews with several parties at the pesantren, while secondary data was obtained from several literatures such as books, journals, and other written data. Data collection techniques used are interviews with several parties, from both top leader and management level at the pesantren as well as representatives from surrounding community. In addition, observations were also made by direct observation in the field. While the data analysis technique used in this study is qualitative analysis. Based on the research results obtained, it is known that community economic empowerment through pesantren can be built with a partnership model between pesantren, community, government and the private sector. Because pesantren is the closest Islamic educational institution to the community and has potential resources to be the pioneers of the economic empowerment of the people. The partnership can be carried out in several aspects such as employment, business opportunities, and the establishment of business entities or financial institutions. The partnership that exists between these four elements can make people more economically empowered and improve their welfare in a sustainable manner.
PROFIT EQUALIZATION RESERVE AND INVESTMENT RISK RESERVE: ISSUES AND ITS APPLICATION Affandi, Muchammad Taufiq
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.4005

Abstract

The Islamic Financial Institution (IFI) is a unique financial institution which has special characteristics, maq?sid, worldview, risk, and opportunity. One of the methods used to mitigate the unique risk of Islamic banks is the Profit Equalization Reserve (PER) and Investment Risk Reserve (IRR). However, there are some issues related to PER and IRR. Some issues have been identified in the Islamic Financial Services Board (IFSB) guidance note, including profit smoothing and other issues yet to be discussed. This paper tries to observe issues related to PER and IRR and their application in some Islamic banks using content analysis method on their annual reports and/or financial statements. The paper concludes that PER and IRR will bring bigger issues and risks to Islamic banks. This leads the writer to suggest that the regulator reconsider its permissibility. In addition, the paper also finds that the concept of PER and IRR has low acceptance among Islamic banks.
PENGARUH FAKTOR MAKROEKONOMI TERHADAP RESIKO PEMBIAYAAN BANK SYARIAH: STUDI PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2015-2018 Fitriansyah, Rizki
Islamic Economics Journal Vol 5, No 2 (2019)
Publisher : Universitas Darrussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v5i2.3810

Abstract

Sharia banks are one of the financial institutions that are currently still developing in Indonesia. Like other financial institutions, Sharia banks also have a risk faced, namely the risk of financing. The risk of financing in Sharia banks is commonly known as the risk of financing problems. The level of problem financing in Islamic banks is one indicator of the level of the soundness of banks. The size of the problematic financing level is partly due to bad financing due to the sluggishness of the real sector in response to macroeconomic conditions. Financial system instability (financial crisis) in addition to influencing banking liquidity also encouraged an increase in problem financing. From a macroeconomic perspective, Indonesia?s current economic conditions of public concern include the exchange rate and the inflation rate.This research was conducted to determine the effect of macroeconomic factors, exchange, and comparison, on interest rates, Sharia Commercial Banks in Indonesia. The data used in this study are secondary data obtained from Sharia Banking Statistics issued by the Financial Services Authority (OJK) and data from Bank Indonesia (BI). Analysis of the technique in this study uses multiple linear regression analysis techniques. The results showed that the rupiah exchange rate and the exchange rate were significant for troubled funds at Sharia Commercial Banks. Meanwhile, the exchange rate is significant towards problem financing at Sharia Commercial Banks, while the exchange rate is significant against problem financing at Sharia Commercial Banks.
DIMENSI ZUHUD DALAM EKONOMI ISLAM Riyandi, Riyandi
Jurnal Ekonomi Islam Vol 1, No 2 (2013)
Publisher : Universitas Darrussalam Gontor

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Abstract

This paper tries to see the zuhud dimensions contained in Islamic economics al-Iqtisad al-Islamiy. To see it, here is explained the meaning of the zuhud in shar’i with tracing of lexical classical Arabic, the Qur’an and Sunah as well as the conception of the Ulama in particular in the Sufi tradition, and then linked to Islamic economics. From this discussion it was found that the Islamic economic discussion as al-Iqtisad al-Islamiy have epistemological implications derived from the revelation that the word iqtisad itself has meaning balance, not to exceed the limits or muqtas}id. It shows that in Islamic economic there is zuhud dimension because the muqtas}id people formed from zuhud attitude. In addition, the emphasis of Maqasid syari’ah that put Hifdz din as the main base shows that everything in economic activity should be done in terms of the religious dimension of faith, so that nothing is to be obtained not go beyond the rules set by God, and this rule can only be done by people who have the zuhud attitude to the world that makes bima fiyadillah awtsaq minhu bima fiyadihi.
ANALYSIS OF FINANCIAL STATEMENT BY CAEL AND MANAGEMENT FACTORS METHOD (Case Study at La Tansa BMT Gontor on Period October-December 2012) Syahruddin, Syahruddin; al hadi, Muhammad Qoshid
Jurnal Ekonomi Islam Vol 2, No 2 (2014)
Publisher : Universitas Darrussalam Gontor

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Abstract

The collapse of several banks at crisis 1997-1998 makes them closed. But those conditions didn’t occur to Islamic banks because Islamic principles had proven to be able to face the recess. Meanwhile, the established banks are not capable yet to reach SMEs. This opportunity encourages the establishment of non-bank Islamic financial institution, such as BaitulMaalwaTamwil (BMT). As the preventive action of crisis 1997-1998, Bank of Indonesia ruled the regulation of the measurement of financial institution health level, as for BMT. This paper aims for analyzing financial report by using CAEL and management factors in measuring financial health level. Based on the good ratio, then as a whole the measurement of health level of BMT La TansaGontor on October – December 2012 is very health from the performance side and management side.
Reserve Requirements in Islamic Banking System: A Critical Survey zizy, Satria Hibatal
Jurnal Ekonomi Islam Vol 1, No 1 (2012)
Publisher : Universitas Darrussalam Gontor

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Abstract

The discourse of westernization and liberalization had been spread to Muslim ummah nowadays. To decrease the impact of both problems, Muslim scholars seek for a solution called Islamization of knowledge. This effort took place in every sphere in human life, including economics, and specifially in banking sector. One concern in Islamization’s effort on banking sector is reserve requirements policy, which the muslim economists have different opinions on it, between imposing fractional reserve requirements or 100% reserve requirements. In case of reserve requirements, muslim economists are divided into two major groups. The fist, which represented by Umer Chapra, Nejatullah Siddiqi, MonzerKahf, Afzalurrahman and Mohamed Ariff, they saw that fractional reserve requirements is a right way for Islamic banking system. The reserve used for ensure bank’s ability to fulfil it obligation to the depositors. In addition, it could be used by Islamic central bank as a tool of monetary policy to control money supply. The second, represented by Mabid Ali AlJarhi, Mohsin S. Khan, Abbas Mirakhor and Mahmoud Abu Saud recommend the use of 100% reserve requirements. According to them, fractional reserve system could suffer such an inherent instability. Over expansion of credit is often occurring this system that imply to unstable infltion. Their assumption is 100% reserve requirements will bring to more stable economy.

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