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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 117 Documents
إدارة صندوق الأجرة في منتج التأمين التكافلي الوقف من منظور مقاصد الشريعة بيوجياكرتا Bin Lahuri, Setiawan; Mudi Awalia, Fadhila Tianti; Syahrin, Muhammad Alfi
Islamic Economics Journal Vol 6, No 2 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v6i2.4561

Abstract

This study aims to discuss how the management of the ujrah funds on the waqf takafulink product and the management of the ujrah funds in the perspective of maqasid shariah in presenting wealth benefits. To achieve the discussion's objectives, researchers used field research with qualitative research types and a case study approach. As for collecting data, researchers conducted observations, interviews and looked at existing documents. Meanwhile, in analyzing the problem, the researcher used a qualitative descriptive technique and a maqasid shariah approach technique, so that this study could explain in detail about the management of funds in the waqf takafulink product. The results found the management of ujrah funds on the waqf takafulink product was contrary to the principles of sharia insurance because of the transfer of participant rights for the benefit of others as seen from the imposition of the ujrah funds that charged to participants to finance operations. But if the tax is on the company's amount of assets, the company should be able to bear the company’s operating costs without burdening the participants. Whereas from the review of maqasid shariah, the management of ujrah funds on takafulink products, waqf greetings is also against justice and benefit, because in managing funds there is an element of tyranny, and the status of ownership of property transferred in a way that is not in line with Islamic law.
Pilar dan Karakteristik Pasar Dalam Ekonomi Islam Ashal, Farid Fathony
Islamic Economics Journal Vol 6, No 2 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v6i2.4707

Abstract

This article aims to examine the concept of the market in Islamic literature that had been practised by the classical period. The method used in this study is qualitative research with a literature study approach. The results of this study proved that Islamic literature had provided the application of market concepts which include pillars and characteristics as signs in market management, price mechanism, and avoiding from usury, gharar, maisir. The well functioning of the market has an important role in human life, yet that Islamic doctrine provided the constructive rules as an effort to purify the process of transferring property and goods from just and civilized public relations.
Faktor Penentu Harga dalam Tinjauan Pemikiran Ekonomi Islam Ismail, Nurizal; Aisyah, Siti; Sup, Devid Frastiawan Amir
Islamic Economics Journal Vol 6, No 2 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v6i2.4880

Abstract

Price is one of the vital factors in economic studies, either at a micro or macro level. In general term, the concept of price can be found in primary (Al Qur’an and Sunnah) and secondary such as tafsir, fiqh, kalam, philosophy and history. Therefore, this study aims to find out the concept of price determinants developed by earlier Islamic economics scholars and compare it with the price theory in modern economics, which refers to Western economic thought. This study using a qualitative methodology using library research and content analysis. The results are the price determinant in the Islamic economy are according to the agreement of Islamic scholar based on demand and supply then shapes the price and volume of transactions. The other factors influencing the price mechanism are inventory, geography or places, consumption time, quality of goods, quantity and cost. The differences with the western economic view lie in the worldview aspect or the world view in understanding the price concept.
Etika Kegiatan Produksi: Perspektif Etika Bisnis Islam Suminto, Ahmad
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v6i1.4387

Abstract

In principle, production activities are bound to the level of Islamic moral and technical values, especially on the quality aspects of products. The values cover all activities during organizing production factors, choosing materials for production, production processes, quality assurance (quality), marketing, service and customer care. This guidance is not only for obeying the commands and prohibitions of Allah and His Messenger but also improving a better understanding throughout practising these moral values. This research uses a library research method with a descriptive-analytic qualitative approach, which explains and illustrates the object of research and then analyses it from the perspective of business ethics in Islam. The analysis technique is the content analysis method which contains the methods of induction, deduction, and comparison. This study aims to uncover the Ethics of Production in Islam: Perspective of Islamic Business Ethics with various case studies and information on events that the author gets. The results show that Muslim producers should consider two principles as an ethical foundation in production activities and to be in harmony with maqasid shariah. First: producing in halal circles, Islam firmly classifies goods (sil’ah) or commodities into two categories. The goods are called al-Qur’an with tayyibat, i.e. goods that are legally halal consumed and produced. Khaba'ith, i.e. goods that are legally haram consumed and produced. Second, the protection of natural resources without damaging the environment.
Pengaruh Kualitas Pelayanan Islami terhadap Kepuasan Nasabah Studi pada Bank Umum Syariah di Provinsi Lampung Kurniawansyah, Sefta; Suryanto, Tulus; Noviarita, Heni
Islamic Economics Journal Vol 6, No 2 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v6i2.4732

Abstract

This research aims to analyze the effect of Islamic service quality on customer satisfaction in Islamic banking in Lampung Province. The CARTER dimensions influence on Islamic service quality consists of sharia compliance, assurance, reliability, tangibles, empathy, and responsiveness. In this study, collecting data using a questionnaire was given to 100 samples using regression analysis. The analysis results prove that simultaneously the CARTER dimension has a significant effect on customer satisfaction. In contrast, reliability, sharia compliance, and responsiveness partially significantly affect customer satisfaction in Islamic banking in Lampung Province. Meanwhile, assurance, tangibles, and empathy do not considerably affect customer satisfaction in Islamic banking in Lampung Province.Based on the value of Adjusted R Square, the magnitude of the influence of Islamic service quality using the CARTER dimension on customer satisfaction in sharia banking in Lampung Province is 73.8%, so simultaneously, the CARTER dimension affects the quality of Islamic services. Therefore, to maintain and improve this quality, the quality of Islamic banking must be further enhanced through the dimensions of assurance and empathy, namely the bank's ability to give sincere attention and individual or personal care to its customers, as well as commitment and certainty of customer satisfaction, such as showing easy procedures, good bank reputation, the number of front liners, security, and facilities and infrastructure provided is even better.
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.

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