cover
Contact Name
bakhrul huda
Contact Email
bakhrul.huda@uinsby.ac.id
Phone
+6281331303883
Journal Mail Official
el-qist@uinsby.ac.id
Editorial Address
Kampus Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya Jl. Jend. A. Yani 117 Surabaya 60237
Location
Kota surabaya,
Jawa timur
INDONESIA
El-Qist : Journal of Islamic Economics and Business (JIEB)
ISSN : 22527907     EISSN : 27160335     DOI : 10.15642/elqist.v10i1.267
el-Qist: Journal of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian
Articles 94 Documents
IMPLEMENTASI UNDERWRITING PADA PENERBITAN POLIS DI AJB BUMIPUTERA 1912 DIVISI SYARIAH CABANG SIDOARJO Rahmawati, Dian; Laily, Ummiy Fauziyah
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 2 (2017): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Jurnal ini adalah hasil penelitian yang berjudul “Implementasi Underwriting pada Penerbitan Polis di AJB Bumiputera 1912 Divisi Syariah Cabang Sidoarjo”. Penelitian ini bertujuan untuk menjawab pertanyaan mengenai bagaimana implementasi Underwriting pada Penerbitan Polis di AJB Bumiputera 1912 Divisi Syariah Cabang Sidoarjo, faktor-faktor apa yang dipertimbangkan underwriter dalam Seleksi Risiko pada Penerbitan Polis asuransi AJB Bumiputera 1912 Syariah Cabang Sidoarjo dan Implementasi Penerapan Underwriting Syariah di AJB Bumiputera 1912 Divisi Syariah Cabang Sidoarjo. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif. Pengumpulan data dilakukan dengan observasi, dokumentasi dan wawancara secara langsung dengan informan, dalam penelitian ini yaitu pihak AJB Bumiputera 1912 Divisi Syariah Cabang Sidoarjo. Hasil penelitian menyatakan : Pertama : tahapan field underwriting, seleksi kesehatan dan seleksi financial calon tertanggung, penentuan besarnya premi, pengecekan berkas serta proses penerbitan dan percetakan polis. Kedua : faktor-faktor yang dipertimbangkan underwriter yaitu usia, jenis kelamin dan jenis pekerjaan. Ketiga : Dalam penerapan underwriting mengandung prinsip-prinsip syariah diantaranya adil dan seimbang, transparan, serta bebas riba>, ghara>r, maysi>r.
PENGARUH RETURN ON ASSET, RETURN ON EQUITY, DAN FINANCING TO DEPOSIT RATIO TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH: Pada Bank Umum Syariah Periode 2012-2017 Laili, Ummiy Fauziyah; Faza, Zulfikar
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 1 (2018): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Penelitian ini bertujuan untuk menguji pengaruh return on asset, return on equity, dan financing to deposito ratio terhadap tingkat bagi hasil deposito mudharabah di Bank Umum Syariah pada periode 2012-2017. Penelitian ini menggunakan metode kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder dan time-series yang diperoleh dari laporan keuangan Bank Umum Syariah dan Statistik Keuangan Bank Indonesia. Sampel yang digunakan yaitu laporan tahunan selama tahun 2012-2017 pada 9 Bank Umum Syariah. Analisis regresi dilakukan untuk uji signifikansi pengaruh pengaruh return on asset, return on equity, dan financing to deposito ratio terhadap tingkat bagi hasil deposito mudharabah. Hasil penelitian ini memberikan bukti bahwa: (a) return on asset berpengaruh negatif signifikan terhadap tingkat bagi hasil deposito mudharabah dikarenakan bank meningkatkan laba dengan menurunkan tingkat bagi hasil deposito mudharabah yang merupakan dana mahal, (b) return on equity tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah dikarenakan deposito mudharabah tidak termasuk dalam unsur modal, (c) financing to deposit ratio berpengaruh positif signifikan terhadap tingkat bagi hasil deposito mudharabah dikarenakan pada saat bank menurunkan financing to deposit ratio maka bank akan meningkatkan tingkat bagi hasil tabungan maupun giro dan menurunkan tingkat bagi hasil deposito mudharabah dikarenakan tabungan dan giro yang merupakan dana murah akan mengurangi resiko pengeluran biaya dari deposito mudharabah.
ANALISIS HYBRID CONTRACT PADA PRODUK GADAI iB EMAS DALAM PRINSIP EKONOMI ISLAM DI PT. BRI SYARIAH KCP GRESIK Kurniah, Devi
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 6 No. 1 (2016): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Penelitian ini membahas tentang mekanisme gadai iB emas di PT. BRI Syariah KCP Gresik dan hybrid contract pada produk gadai iB emas di PT. BRI Syariah KCP Gresik dalam prinsip ekonomi Islam. Penelitian ini menggunakan metodologi kualitatif deskriptif dengan jenis penelitian lapangan (field rescarch), yang mana penelitian ini dalam bentuk lapangan yaitu dengan terjun langsung kelapangan untuk menggali hybrid contract yang tergabung dalam produk gadai emas di PT. BRI Syariah KCP Gresik,serta mengkaji akad-akad yang dilaksanakan dalam produk gadai iB emas tersebut. Pengumpulan data dilakukan dengan cara wawancara dengan pimpinan kepala cabang pembantu Gresik, brand operation supervisor, penaksir gadai, dan nasabah. Hasil penelitian yang diperoleh dalam penelitian ini menyatakan bahwa mekanisme gadai iB emas di PT. BRI Syariah KCP Gresik terdiri dari beberapa tahapan. Pertama calon nasabah terlebih dahulu harus memiliki rekening tabungan BRI Syariah. Kedua, membayar biaya-biaya dalam gadai iB emas. Ketiga, Prosedur Pencairan, Keempat, Posedur Pelunasan .Penentuan biaya pemeliharaan pada gadai iB emas di BRISyariah KCP Gresik bergantung pada nilai pinjaman. Produk gadai iB emas menggunakan tiga akad dalam satu transaksi. Penggabungan tiga akad ini disebut juga dengan hybrid contract . Dalam penerapan hybrid contract pada produk gadai iB emas di PT. BRI Syariah KCP Gresik belum sesuai dengan prinsip ekonomi Islam. Karena dalam penggabungan tiga akad yaitu akad qarḍ, akad rahn, dan akad ijârah mengakibatkan terjadinya ketidakadilan antara pihak bank dan nasabah. Seharusnya dalam penarikan biaya administrasi tidak berdasarkan padaberat emas namun didasarkan pada biaya operasional yang dikeluarkan untuk administrasi dan biaya pemeliharaan tidak berdasarkan nilai pinjaman namun berdasarkan pada biaya yang rill dikeluarkan untuk biaya pemeliharaan dan penyimpanan emas.
MANAJEMEN PENGELOLAAN ZAKAT DAN SHADAQAH (Kiat Badan Amil Zakat Jawa Timur Dalam Mobilisasi dan Pendistribusian) Sudaryanto, Kasno
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 3 No. 1 (2013): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

During this time, zakat and its management just ideal in level of discourse and theory, while the realization is always constrained by two things: the synchronization of management of zakat which is still partially addressed institutional and the distribution of zakat overlap between agencies. This has led to the potential for a national charity - in the range of Rp. 217 trillion to Rp eventually absorbed only Rp. 1.7 trillion. Given this reality, East Java BAZ strives to formulate and implement measures that are considered able to eliminate or at least to minimize—the effects of 2 problems above. The initial thing to do is optimize the strategic plan through the actualization of the vision and mission of BAZ Java that is focused on optimizing the distribution of ZIS in order to realize the mandate of Law Number 38 of 1999 Jo. Law No. 23 of 2011 on Zakat. Various forms of innovation regarding methods of distribution and ZIS revenue optimization continue to be encouraged and realized, with the ultimate goal of successful realization of zakat management function effectively and efficiently, for the welfare of the people and regional poverty reduction.
OTENTISITAS H{A{ADÎTH MUTAWÂTIR DALAM TEORI COMMON LINK G.H.A. JUYNBOLL Idri, Idri
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

Almost all Muslims agree that an authenticprophetic tradition (h}adîth) is that which comes directly fromthe Prophet. A tradition such as this—like the Qur’ân—isreliable in terms of its chain of narration and message.Hence, it brings legal and moral implication for the Muslimsto apply in their daily life. In the science of prophetictradition, such tradition is called d}arûrî, literally meanscompulsory in the sense that it necessitates Muslims tocomply. Different sort of view however, is being introducedby an orientalist named G.H.A. Juynboll. He comes up withan entirely different view concerning an authentic prophetictradition both in terms of its category and definition. Hereckons that there is no such thing as an authentic prophetictradition. Every prophetic tradition is vague, and fallstherefore under the category of being inauthentic. This paperis interested in dealing critically with this controversial viewby giving particular attention to four ma
KILAS BALIK EKONOMI ISLAM DI INDONESIA Musfiqoh, Siti
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

The historical development of Islamic system economic in Indonesia reflects the dynamics of the aspirations and wishes of the Indonesian people themselves, to have an alternative fair economic system, in the real sector. as an alternative search process in the monetary system which is characterized by the principles of transparency, fairness, balance and ethics in creating a prosperous society materially and spiritually. The initial of this alternative search system, initiated by scientific studies about Islamic economic and financial. The result of those studies is the publication of islamic banking laws. The initial of Islamic economic system of banking began in the early 1980's, when the government issued a policy package on Banking liberalization.The scholars' at that time established an interest-free rate, bank Muamalat (Islamic banks) at the end of 1991 and operational in early 1992, but none of the legal device that can be used as a reference.This condition lasted until the year 1997, in which Indonesia was hit by the economic and moneter crisis.At that time, when conventional banks had been liquidated, , Islamic banks showed their existence and do not experience economic shocks. Aspiration of Indonesian people had been growing to have an Islamic financial institutions, non bank financial institutions and the banking through the application of system for a favorable outcome for the customer and the bank. Furthermore, the trial conducted by the public along with academics and practitioners to realize and practice the idea of monetary systems ranging from small-scale enterprises both bank and non bank financing are trying to apply the concept of revenue sharing. At this stage, the establishment of Islamic banks are seen as an indicator of economic progress is happening in Islamic economic, so almost society equate Islamic Economic with Islamic banks, or non-bank sharia financial institutions other. Though the scope of Islamic economics is much broader than just a Sharia finance. It covers macroeconomic concepts, micro-economic, fiscal, monetary, and also the much concept of economic development policies and instruments with all the variables.
PASAR MODAL SYARIAH DI INDONESIA Fauzia, Ika Yunia
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

The Birth of shariah capital market in Indonesia is a breakthrough, in order to open a new niche on the trading floor. With distinct segmentation, it is expected that local Moslem investors and Middle Eastern investors will be colouring investment growth in it. The existance of sharia capital markets, will also participate in enhancing the development and the growth of national economic because it can strengthen industries and companies financial position. In which industries and companies engaged in efforts dealing with shariah, which can provide a positive contribution to people’s live. However modern economy will rely heavily on strong capital markets, global competitivenes and also good system. And it is expected that sharia capital market in Indonesia could have strong competitivenes so that can develop, deliver profit and benefit for the community of investors, industry sectors and society in general.
ANALISIS TERHADAP CETAK BIRU BANK INDONESIA PERIODE 2002-2011 UNTUK PENGEMBANGAN PERBANKAN SYARIAH INDONESIA Rahmawati, Lilik
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Research entitled “Analysis of the blue print of bank Indonesia for the development of Sharia banking in Indonesia period 2002-2011” aims to find out the blueprint of Islamic banking 2002-2011 issued by Central Bank of Indonesia, described the already realized targets of the blueprint of Islamic banking and those which not yet realized, also find out the factor which causes the targets the blueprint of Islamic banking were unrealized. This research is a descriptive research with in-depth analysis method. Data collection methods used was observations and interviews. The results showed that the targets of Indonesian Central Bank’s blue print covering the four things; first, adherence to the principles of Sharia; second, prudence; third, the improvement of operational efficiency and high competitiveness; fourth; stability and expediency of Islamic banking system for the economy. Blueprint objectives outlined in the strategic initiatives that are generally already implemented include: improving the understanding of Islamic finance, facilitating the formulation of norms of Islamic finance, conducting studies in surveillance and integrated arrangement system, refining the provisions of office network, developing “exit and entry” policy settings, enhancing the quality of human resources, creating strategic alliances with related agencies, devising the concept of the “takaful” deposit, pushing the involvement if rater institutions in banking activities, and encouraging an increasing in the role of financing with profit-loss sharing method. The objectives outlined in the strategic initiatives that have not been implemented were: the development of the concept of incentives for adherence to the principles of the Sharia, the development of real time supervision, the fulfillment of the needs of people who want Sharia banking services throughout Indonesia with 5% market share, the materializing of the Islamic banking “kaffah” functions, and the ability to serve all segments of the community. The factors those cause unimplemented strategic initiatives were the lack of knowledge and understanding of the people about Islamic banking; the lack of human resources with sufficient skill and capability in Islamic economy especially about the laws relating to Islamic banking, the scarcity of funds for socialization and information technology needs, also the assumption of 5% market share defined in accordance with the fact that the current Islamic banks consumers aren’t only muslims but also non-Muslim community
PERAN BANK SYARIAH DI DALAM PEMBANGUNAN EKONOMI: Analisis Teoritis Atas Mobilisasi, Alokasi dan Utilisasi Sumber Daya Ekonomi Mansur, Ahmad
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

In our modern time, people will not be able to live without having involved with the financial institution. Nowadays, most of the economic and business transaction is done through the financial institution especially banking system. It is no doubt that the financial institutions have played very significant role in supporting economic development. Since we are interested in interest-free banking system, we will investigate the role of Islamic banking in economic development in Indonesia. This research is literature and library research, in the sense that it reviews the role of Islamic banking in economic development conceptually and theoretically, it analyzes the role of bank in mobilization, allocation and utilization of its resources and make a comparative analysis between what have been done by Islamic bank vis a vis conventional bank in terms of their performance in mobilization, allocation and utilization of their resources in helping economic development. This research concludes that Islamic bank, despite it operates without interest and does its operation with the principle of profit and loss system; it performs well in doing mobilization, allocation and utilization of its resources for economic development. It performs well in saving mobilization, income and wealth generation and asset accumulation as well as credit financing within syariah framework by implementing principles such as Murabaha andMudarabah financing. This research also found that the Islamic bank average growth rate of asset, saving mobilization and credit financing during ten years of this study is better than that of conventional bank, though its return on asset (ROA) is still lower than that of the conventional bank. In line with this conclusion, what is urgent to be taken in further study is how far the Islamic banks channel their resources into riskier projects, such as Mudarabah financing projects, since the higher the risk, the higher the profit. It is also urgent to take further quantitative research on how far the presence of the Islamic banks has a positive impact on economic development.
PENGUATAN EKONOMI UMAT MELALUI LEMBAGA KEAGAMAAN Anwar, Moch. Khoirul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

الإسلام هو الدين الذي يعلم الناس إلى قوة في الاقتصاد. هذا الجانب الاقتصادي مهمّ جدا، و في أصول الفقه كان واحدا من الأمور المحفوظة التي تشتهر بالأمورالضرورية للناس وهي : الدين والنفس والعقل والنسل والمال. وهذا يناسب الى الغرض من الشريعة هو حكمة البشر في الدنيا والآخرة. من ناحية أخرى، هناك المؤسسات الدينية التي لها القوة المعنوية، لذلك لها دور مهمّ في التمكين الاقتصادي للشعب. و وجدت في الإسلام المؤسستان التان تتعاملان مباشرة مع الناس وهما مدرسة داخلية و مسجد. ودورالمؤسسات الدينية فى تمكين الاقتصادي اثنان على الاقل , هما موعظة حسنة و أسوة حسنة . وهما من الأدوار المهمة التي يحتاج بعد ذلك إلى أن تنفذ في النشاط الحقيقي. ودور المؤسسات الدينية فى موعظة حسنة يمكن أن تتحقق في شكل زيادة في الموارد البشرية, منها خلال التدريب الجيد، والتعليم، و توفير الحافز على أهمية وجود اقتصاد قوي. ودور المؤسسات الدينية فى أسوة حسنة يمكن أن تتحقق في خلال إنشاء "بيت المال و التمويل" . تعامل بيت المال و التمويل على تمكين الاقتصادي بتحويل الأموال من المجتمع والعودة الى المؤسسات الصغيرة والمتوسطة، وخصوصا أصحاب المشاريع المسلمين الذين يحتاجون إلى رأس المال لتطوير الأعمال من خلال توفير التسهيلات التمويلية الموافقة على أساس مبادئ الشريعة الإسلامية مثل المرابحة، والمضاربة، والمشاركة ، القرض، وغير ذالك

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