Eko Fajar Cahyono, David Kaluge
Fakultas Ekonomi Dan Bisnis-Universitas Airlangga

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Impact of conventional banking financing and Islamic banking financing on economic growth 2008-2018 Hasymi Nur Baehaqy; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1272-1286

Abstract

This research aims to know Impact of conventional banking financing and Islamic banking financing on economic growth 2008-2018. In this study the authors used a saturated sampling technique found in Non-Probability Sampling. The analysis technique used is VECM (Vector Error Correction Model). Based on the results of the study indicate that there is a one-way relationship on several variables, namely Conventional Banking Financing to GDP and Conventional Banking Financing to Islamic Banking Financing, In the long run, Conventional Banking Financing has a positive and significant relationship to GDP, whereas Islamic Banking Financing has a negative and significant relationship to GDP.Keywords: Banking Financing, Economic Growth, GDP (Gross Domestic Product), VECM (Vector Error Correction Model)REFFERENCESAam, Slamet Rusydiana. 2009. Hubungan Antara Perdagangan Internasional, Pertumbuhan Ekonomi Dan Perkembangan Industri Keuangan Syariah Di  Indonesia. Jurnal Islamic Finance & Business Review, Vol.4, 1, (2009),h.53.Abdul Ghofur Anshori. 2009. Perbankan Syariah di Indonesia. Yogyakarta: Gadjah Mada University Press.Abduh, Muhamad dan  Mohd Azmi Omar. 2012. Islamic Banking and Economic Growth: the Indonesian Experience. International Journal of Islamic and Middle Eastern Finance and Management, Vol. 5, No. 1.Abu, Mujahid. 2007.  Kewajiban Bekerja. Media Dakwah Islam.Net, 2007A. McEachern, William. 2000. Ekonomi Makro: Pendekatan Kontemporer. Jakarta: Salemba Empat.Arifin, Imamul, Hadi, W, Giana. 2009. Membuka Cakrawala Ekonomi. Bandung: Grafindo.Andiwarman, Karim. 2004. Bank Islam Analisis Fiqih dan Keuanagan. Jakarta: PT Raja Grafindo Persada.Andrian Tony Prakoso. 2009. Analisis Hubungan Perdagangan Internasionaldan FDI Terhadap Pertumbuhan Ekonomi Indonesia”, (Skripsi S1 Universitas Indonesia, 2009), h.65.Antonio, muhammad Syafi’i. 2001. Bank Syariah Dari Teori ke Praktik. Jakarta: Gema Insani Press. Arcand, Jean-Louis., Enrico Berkes, dan Ugo Panizza. 2012. Too Much Finance?IMF Working Paper, WP/12/161.Ascarya. 2006. Akad dan Produk Bank Syariah : Konsep dan Praktek diBeberapa Negara. Jakarta: Bank Indonesia Ascarya. 2012. Alur Transmisi dan Efektifitas Kebijakan Moneter Ganda diIndonesia. Buletin Ekonomi Moneter dan Perbankan Januari.Badan Pusat Statistik. 2008-2018. Produk Domestik Bruto. Badan Pusat Statistik (Statistik Indonesia), Jakarta.Baily, Martin Neil, Robert J. Gordon, dan Robert M. Solow . 1981. Productivityand the Services of Capital and Labor. Brookings Papers on EconomicActivity Vol. 1981, No.1, pp. 1-65.Bappenas. 2017. Perkembangan Ekonomi Indonesia dan Dunia Triwulan I Tahun 2017. Jakarta: Bappenas.Barro, R.J. 1999. Economic Growth in Cross-secction of Countries. Quarterly Journal of Economics, 106, pp. 407-444.Boediono. 1981. Teori Pertumbuhan Ekonomi. Yogyakarta: BPFE UGMChow, Gregory C. dan Kui-Wai Li. 2002. 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Finance and Growth, Schumpeter Mightbe Right. The Quarterly Journal of Economics, Vol 108, No.3, pp. 717-737.Oxford University Press.Kurniasari, Widita. 2010. Analisis Pengaruh Kredit Perbankan dan TenagaKerja terhadap Pertumbuhan Ekonomi Indonesia. Unpublished MasterDissertation, Universitas Indonesia, Depok.Kuncoro, Mudrajad.2009. Metode Riset Untuk Bisnis & Ekonomi. Jakarta:Erlangga. Levine, Ross dan Sara Zervos. 1998. Stock Markets, Banks, and EconomicGrowth. The American Economic Review, Vol 88 No.3, pp. 537-558.Lewis, Mervyn dan Latifa Algaoud. 2001. Islamic Banking. Diterjemahkan oleh Burhan Wirasubrata. Jakarta: PT Serambi Ilmu Semesta Anggota IKAPI.Maia, Alexandre Gori dan Esther Menezes. 2014. Economic Growth, Labor andproductivity in Brazil and the United States : a comparative analysis.Revista de Economica Politica June 2014.Mankiw, N. Gregory. 2003. Macroeconomics. Seventh Edition. New York :Worth Publisher.Moh. Toekam. 1999. Perkreditan Bisnis Inti Bank Komersial. 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PENGARUH INSTRUMEN MONETER KONVENSIONAL DAN INSTRUMEN MONETER SYARIAH TERHADAP PRODUK DOMESTIK BRUTO PERIODE 2012-2016 Try Roedyhantoro M; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 5 (2018): Mei-2018
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (723.706 KB) | DOI: 10.20473/vol5iss20185pp364-378

Abstract

This study aims to determine that syariah monetary instruments and conventional monetary instruments both have an effect on the Gross Domestic Product in Indonesia. This research uses quantitative approach with Vector Auto Regression (VAR) method. This research be held during January 2012 until December 2016 in Indonesia. There are 5 variables in this research, they are “Sertifikat Bank Indonesia” (SBI) and Reverse Repo “Surat Utang Negara” (SUN) to represent conventional monetary instrument, and the representative of syariah monetary instrument are “Surat Bank Indonesia Syariah” (SBIS) and Reverse Repo “Surat Berharga Syariah Negara” (SBSN) and the last variable is Gross Domestic Product (GDP). The results of this research indicate that only SBI that has a significant positive effect on GDP. While Reverse Repo SUN, SBIS and Reverse Repo SBSN have no significant effect on GDP.  REFERENCESBeik, Irfan Syauqi. 2010 ‚Karakter Keuangan Syariah, dalam Tsaqofi Jurnal Iqtishodia. Institut Pertanian Bogor,Bratadharma, A. 2016. Memahami Apa Itu Reverse Repo dan BI Rate, (Online), (http://ekonomi.metrotvnews.com/read/2016/04/15/513924/memahami-apa-itu-reverse-repo-dan-bi-ratehtml, diakses pada tanggal 8 April 2017 pukul 21:44)Chapra, M. Umer. 2000. Sistem Moneter Islam. Gema Insani Press. JakartaChouwdury, Mausudul Alam. 1997. Money in Islam, London: Routledge._________. 2012. Fundamental of Islamic Economics System. Edisi terjemahan oleh Suherman Rosyidi . Penerbit Kencana Prenada Media Group. JakartaDepartemen Agama RI. 2008. Al-Qur’an Terjemahan (Revisi Terbaru) dengan transliterasi Arab-Latin. Semarang CV. As-Syifa’Dernburg, T. 1985. Macroeconomics: Concept, Theoris, and Policies. Edisi ketujuh. McGraw-Hill. New YorkFriedman,M dan Anna Schwartz. 1993. A Monetary History of United States, 1867-1960. Ninth Paperback Printing Edition. Princeton University Press. New JerseyGujarati, D. 2003. Ekonometri Dasar. Terjemahan: Sumarno Zain, Penerbit Erlangga. Jakartahttp://www.bi.go.id/id/moneter/operasi/operasi-pasar-terbuka/Contents/Default.aspx html, diakses pada 13 April 2017http://www.bi.go.id/id/publikasi/perkembangan/Default.aspx html, diakses pada 13 April 2017http://www.bi.go.id/id/statistik/seki/bulanan/Default.aspx html, diakses pada 13 April 2017http://www.bi.go.id/web/id/Moneter/Tujuan+Kebijakan+Moneter/ diakses pada tanggal 7 Maret 2017Karim, Adiwarman A. 2002. Ekonomi Islam Suatu Kajian Ekonomi Makro. Jakarta: The International Institute of Islamic Thought. Indonesia,.Khan, M fahim. 1995. Essay in Islamic Economy. The Islamic Foundation . Islamic Economics Series. LeicesterKostov,P & John Lingard. 2000. Regime-Switching Vector Error Correction Model (VECM). Analysis Of UK Meat.Mankiw,N.G. 2003. Teori Makroekonomi, Terjemahaan. Jakarta: ErlanggaMishkin, F. 1995. The Economics of Money, Banking, and FinancialMarkets. 4th edition, New York: Harper CollinsNanga , M. 2005. Makroekonomi: Teori, Masalah Dan Kebijakan. Penerbit Raja Grafindo Perkasa. JakartaHuda, Nurul dkk. 2008. Ekonomi Makro Islam. Edisi Pertama Penerbit Kencana Prenadamedia Group. JakartaRachman, S. 2017. Pengaruh Instrumen Moneter Ganda Terhadap Jumlah Uang Beredar di Indonesia pada Periode 2009-2016. Skripsi S1 Fakultas Ekonomi dan Bisnis Universitas Airlangga. SurabayaRiadi, M. 2017. Pengertian, Tujuan dan Instrumen Kebijakan Moneter, (Online), (http://www.kajianpustaka.com/2017/01/pengertian-tujuan-dan-instrumen-kebijakan-moneter.html, diakses pada tanggal 2 Mei 2017 pukul 12.21)Samuelson, P and Nordhaus. 2005. Economics. Edisi ke delapan. Penerbit McGraw-Hill International Edition. New YorkSari,E. (2016). Bunga Bank Tak Banyak Turun Meski Mengacu Reverse Repo 7 Hari, (Online), (http://www.cnnindonesia.com/ekonomi/20160802160319-78-148669/bunga-bank-tak-banyak-turun-meski-mengacu-reverse-repo-7-hari/ html, diakses 21 April 2017)Taylor, J.B. 1995. “The Monetary Transmission Mechanism: An Empirical Framework”. Journal of Economic Perspectives, 9Warjiyo, P. 2004. Mekanisme Transmisi Kebijakan Moneter di Indonesia. Seri Kebanksentralan nomor 11. Pusat Pendidikan dan Studi Kebanksentralan (PPSK) Bank Indonesia. Jakarta
KOMPARASI EFISIENSI & PRODUKTIVITAS PERUSAHAAN ASURANSI JIWA KONVENSIONAL DAN SYARIAH DI INDONESIA PADA TAHUN 2014 – 2017, DENGAN PENDEKATAN DEA & INDEKS MALMQUIST Oky Suryoaji; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 9 (2019): September-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20199pp1877-1893

Abstract

Tujuan penelitian ini adalah untuk mengetahui tingkat efisiensi dan produktivitas perusahaan asuransi jiwa antara konvensional dan syariah (baik Unit Usaha Syariah maupun Full Fledge) periode 2014 – 2017. Penelitian ini menggunakan pendekatan kuantitatif dengan metode non parametrik DEA (Data Envelopment Analysis) yang dilandaskan dengan asumsi CRS (Constant Return to Scale) dan VRS (Variable Return to Scale) dan Indeks Malmquist asumsi TFPC (Total Factor Productivity Change) dengan diolah menggunakan aplikasi DEAP Versi 2.1. Variabel yang digunakan meliputi Total Aset, Beban, Klaim, Premi/Dana Tabrru’, dan Pendapatan. Subjek yang digunakan dalam penelitian ini sebanyak 29 perusahaan asuransi jiwa syariah yang terdiri 10 perusahaan asuransi jiwa syariah dan 19 perusahaan asuransi jiwa konvensional. Hasil penelitian menunjukkan bahwa rata-rata perusahaan asuransi jiwa konvensional dan syariah belum mencapai efisien (CRS) dan rata-rata TFPC perusahaan asuransi jiwa konvensional sudah mencapai produktivitas sementara syariah belum mencapai produktivitas.Keywords:Asuransi Jiwa Syariah, Efisiensi, Produktivitas, Data Envelopment Analysis (DEA), Constant Return to Scale (CRS), Variable Return to Scale (VRS), Malmquist Index (MI), Total Factor Productivity Change (TFPC)REFFERENCESAl Qur’anBarros, Carlos Pestana, Nazare Barroso and Maria Rosa Borges. 2005. Evaluating The Efficiency and Productivity of Insurance Companies with a Malmquist Index: A Case Study for Portugal. The Geneva Papers: 30 (244-267)Biener, Christian, Martin Eling & Jan Hendrik Wirfs. 2016. The Determinants Of Efficiency and Productivity In The Swiss Insurance Industry. ELSEVIER European Journal of Operational Research: 703-714Fathoni, Khoirul, Mohammad Ghozali. 2017. Analisis Konsep Produktivitas Kerja Konvensional Dalam Pandangan Islam. Al-Tijarah: Vol. 3 No. 1Fidhayanti, Dwi. 2012. Pelaksanaan Akad Tabrru' Pada Asuransi Syariah (Studi di Takaful Indonesia Cabang Malang). Jurisdictie, Jurnal Hukum dan Syariah: Vol. 3 No. 1Hasanah, Uswatun. 2013. Asuransi Dalam Perspektif Islam. Asy-Syir'ah: Vol. 47 No. 1Hidayatullah, Indra. 2016. Sejarah, Prinsip, dan Perbedaan Antara Asuransi Takaful/Asuransi Syari'ah dan Asuransi Konvensional. Iqtishoduna: Vol. 8 No. 2Maksum, Muhammad. 2011. Pertumbuhan Asuransi Syariah di Dunia dan Indonesia. Al-Iqtishad: Vol. III No. 1Nurwidiatmo. 2008. Analisis dan Evaluasi Hukum Tentang Perasuransian (Asuransi Syariah) UU No. 2 Tahun 1992. Jakarta: Departemen Hukum dan Hak Asasi Manusia RIPuspitasari, Novi. 2011. Sejarah dan Perkembangan Asuransi Islam Serta Perbedaannya dengan Asuransi Konvensional. JEAM: Vol. X No.11Raharjo, Ari. 2013. Asuransi Konvensional dan Syariah. JakartaRakhmadi, Rezki Syahri. 2010. Analisis Efisiensi dan Produktivitas Perbankan Syariah Di Indonesia. Jakarta: Fakultas Ekonomi dan Bisnis UIN Syarif HidayatullahSari, Kartika. _____. Sistem Informasi Asuransi: Pengenalan Assuransi. Depok: Universitas GunadarmaSurjaningsih, Ndari, Bayu Panji Permonno. 2014. Dinamika Total Factor Productivity Industri Besar dan Sedang di Indonesia. Jakarta: Buletin Ekonomi Moneter dan PerbankanYulianti, Rahmani Timorita. 2008. Asas-asas Perjanjian (Akad) dalam Hukum Kontrak Syariah. La Riba: Vol. II No. 1_____. 2017. Statistik Asuransi. Jakarta: Otoritas Jasa Keuangan_____. 2017. Daftar Izin Unit Usaha Syariah Perusahaan Asuransi Jiwa. Jakarta: Otoritas Jasa Keuanganhttp://amanahgitha.com/laporan-keuangan/. Diakses pada 28/10/18http://alamin-insurance.com/laporan-keuangan/. Diakses pada 28/10/18https://asuransireliance.com/id/laporan-keuangan/. Diakses pada 15/11/18http://www.aia-financial.co.id/id/about-aia/company-report.html. Diakses pada 15/11/18https://www.allianz.co.id/tentang-kami/Finansial. Diakses pada 15/11/18https://www.bni-life.co.id/id/laporan-tahunan. Diakses pada 15/11/18http://www.car.co.id/id/tentang-kami/profile/laporan-keuangan. Diakses pada 15/11/18http://www.equity.co.id/laporan-keuangan. Diakses pada 15/11/18https://www.greateasternlife.com/id/in/tentang-kami/pusat-media/laporan-tahunan.html. Diakses pada 15/11/18http://www.indosuryalife.co.id/about/financial_report. Diakses pada 15/11/18https://www.inhealth.co.id/id/gcg#financial_report. Diakses pada 15/11/18https://www.manulife-indonesia.com/Assets/Contents/LaporanKeuangan/LaporanTahunan/Annual%20Report%202017%20Final%2022052018.pdf. Diakses pada 15/11/18https://www.mnclife.com/about/report. Diakses pada 15/11/18http://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/asuransi/Pages/Statistik-Asuransi---November-2017.aspx. Diakses pada 17/10/18http://www.ojk.go.id/id/kanal/syariah/data-dan-statistik/iknb-syariah/Pages/Statistik-IKNB-Syariah-Periode-November-2017.aspx. Diakses pada 19/10/18https://www.panindai-ichilife.co.id/en/laporan-keuangan. Diakses pada 15/11/18https://www.prudential.co.id/id/our-company/financial-statement/. Diakses pada 15/11/18https://www.sequis.co.id/en/about-sequis/life/company-report. Diakses pada 15/11/18https://www.sequis.co.id/id/tentang-sequis/life/laporan-perusahaan. Diakses pada 15/11/18https://www.taspenlife.com/index.php?p=lapkeuangan. Diakses pada 15/11/18https://www.tokiomarine.com/id/id/about-us/life-insurance/financial-information.html. Diakses pada 15/11/18https://www.tugumandiri.com/laporan-keuangan. Diakses pada 15/11/18http://www.wanaarthalife.com/id/wanaartha-update/financial-report. Diakses pada 15/11/18https://www.zurich.co.id/id-id/tentang-kami/perusahan-asuransi-global/zurich-topas-life/laporan-keuangan. Diakses pada 15/11/18https://www.zurich.co.id/id-id/tentang-kami/perusahan-asuransi-global/zurich-topas-life/laporan-tahunan. Diakses pada 15/11/18http://www.worldbank.org/in/country/indonesia/publication/indonesia-economic-quarterly-october-2017. Diakses pada 08/09/18
THE ASSESSMENT OF EMPLOYEE RIGHTS AND OBLIGATIONS FROM ISLAMIC PERSPECTIVE ON EXPEDITION COMPANIES IN SURABAYA Aisyah Ayuningtyas; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 1 (2020): Januari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20201pp100-118

Abstract

This study aims to determine the assessment of the rights and obligations of workers from the Islamic economic perspective. Employee rights comprise wages, suitability of workers with work, Life insurance, Pension funds, Almsgiving entrepreneurs, Accident insurance, Expedition services, proper treatment from colleagues and vehicle facilities from the company. While employee obligations consist of having a sense of sincerity and enthusiasm and having a good religious nature. Case study on employees of the expedition member company ALFI (Indonesian logistics and forwarder association) in Tanjung Perak Port Surabaya. This study uses a quantitative descriptive approach with simple tabulations. The retrieval of primary data in this study was conducted using a questionnaire. The sample in this study were 202 employees of ALFI. This study found that the respondents considered agreeing on the indicators of employee rights such as wages, suitability of workers with work, life insurance, charity of employers and were treated well by colleagues and employers. The respondents also chose to disagree with the rights indicators such as pension funds, accident insurance, expedition services and vehicle facilities from the company. On the indicators of employee obligations, the respondents chose to agree on all indicators which included having a sense of sincerity and enthusiasm and having a good religious character.Keywords: Islamic Employment, Employee Rights and Obligations of employees.REFFERENCE Afzalur Rahman. (1995). Doktrin ekonomi Islam Jilid I, Yogyakarta: Dana Bhakti Wakaf.Badan Pusat Statistik (BPS) Surabaya Jawa Timur. (2014). Indikator tenaga kerja kota Surabaya. Dewan Pengurus Nasional FORDEBI & ADESI Ekonomi dan Bisnis Islam. (2017). Seri konsep dan aplikasi ekonomi dan bisnis Islam.Payaman J Simanjuntak. (1998). Pengantar ekonomi sumber daya manusia, Ed. 2. LPFEUI: Jakarta.Pemerintah Indonesia. (2003). Undang Undang no 13 tahun 2003 yang mengatur tentang ketenagakerjaan. Lembaran Negara RI tahun 2003, No. 13.Sekretariat Negara. Jakarta.Pius Partanto, dkk. (2001). Kamus ilmiah popular. Surabaya: Arkola.H.A. Mu’thi Nurdin. (Tanpa Tahun). Masyarakat Islam, Cet. II. Bandung: Yayasan at-Taufik dan PT. Al Ma’arif.Syarif Chaudhry, Muhammad. (2012). Sistem ekonomi islam prinsip dasar. Jakarta: kencana
Analisis Pengaruh Faktor Harga, Pendapatan, Kualitas dan Atribut produk Islam Terhadap purchase intention di kedai kopi Bycoffee Surabaya Reyhan Devtyan Muhamad; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 12 (2019): Desember-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201912pp2485-2497

Abstract

This study aims to analyze the influence of prices, income, quality and attributes of the Islamic religion on consumer purchasing decisions in the ByCoffee branch Coffee shop in the Surabaya city. In this study the authors used a quantitative method by collecting primary data from 120 respondents. The analytical method used is SEM PLS. The results showed that all factors had a significant influence on purchasing decisions except price factors. Significantly influential factors are Islamic quality and attribute factors while income factors have a less strong influence.Keywords: price, revenue, quality, Islamic attributes, purchasing decisions
PERSEPSI PENILAIAN HAK DAN KEWAJIBAN KETENAGAKERJAAN ISLAM PERSPEKTIF CHAUDHRY PADA KARYAWAN BANK JATIM SYARIAH1) Evita Febriani Ludiyatno; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 11 (2019): November-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201911pp2216-2223

Abstract

This study aims to determine the assessment of the rights and obligations of Islamic laborers from the perspective of Chaudhry. Employee rights include receiving the same treatment, getting a price specialization, being treated well, getting the right salary, not given a job beyond his ability, getting medical assistance. Whereas employee obligations include having a sincere and uplifting spirit and having a good religious nature case studies on the employees of Bank Jatim Syariah Central Surabaya and Sidoarjo. This research uses a quantitative descriptive approach with simple tabulations.Keywords: rights, obligations, Employee
THE ANALYSIS OF THE INFLUENCE OF BANK INDONESIA CERTIFICATE (SBI), SHARIAH BANK INDONESIA CERTIFICATE (SBIS), INFLATION AND BI RATE ON FUND DISTRIBUTION TO THE MSMEs SECTOR BY SHARIA BANKING IN INDONESIA Wahyu Lailia Devi; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 3 (2020): Maret-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20203pp499-512

Abstract

This research was carried out on two banking sides, the first side was on the conventional side, and the second was on the sharia side. The conventional side was used to describe the influence of Bank Indonesia Certificates (SBI), inflation, and the BI Rate of Credit disbursed by Conventional Banks in Indonesia to small and medium business sectors (UMKM) in the 2011-2019 period. Meanwhile, the sharia side was used to explain the influence of Bank Indonesia Sharia Certificates (SBIS), inflation, and the BI Rate of Financing channeled by Islamic Banks in Indonesia to UMKM in the 2011-2019 period. The researcher employed a quantitative approach and analyzed the data using multiple linear regression analysis with two econometric models. Also, the data used in this study were secondary data obtained from official data from Bank Indonesia and the Financial Services Authority (OJK). The results of the conventional research partially show that Bank Indonesia Certificates (SBI) and inflation have a significant negative effect. In contrast, the BI variable Rate has a significant positive impact on UMKM credit in conventional banking. Simultaneously, it shows that there is a significant influence between the variables Bank Indonesia Certificate (SBI), inflation, and the BI Rate on lending to the UMKM sector in conventional banking. Furthermore, in terms of sharia, the results of the research partially explain that Bank Indonesia Sharia Certificates (SBIS) and BI Rate have a significant negative effect. In contrast, inflation has a significant positive impact on UMKM financing in Islamic banking. Simultaneously, it shows that there is a significant influence between the variables of Bank Indonesia Sharia Certificate (SBIS), inflation, and the BI Rate on the distribution of financing to the UMKM sector in Islamic banking.Keywords: SBI, SBIS, Inflation, BI Rate, and UMKM FinancingREFFERENCE Amaliawati, Lia. (2013). The influence of monetary policy (BI rate) on profitability of commercial banks in Indonesia. 10th UBAYA International Annual Symposium On Management.Boediono, (1995). Ekonomi makro. Yogyakarta: BPFE.Hafsah, Mohammad Jafar. (2004). Upaya pengembangan  usaha kecil dan menengah (UKM). Jurnal Infokop, 25.Oktavina, Kritia dan Emile. (2012). Pengaruh kas, bonus SWBI (Sertifikat Wadiah Bank Indonesia), marjin keuntungan, dan dana pihak ketiga terhadap pembiayaan murabahah studi empiris pada bank umum syariah di Indonesia. Jurnal of Accounting and Investment, 13(1), 53-67.PBI. (2013). Fasilitas pendanaan jangka pendek bagi bank umum. Jakarta: Bank IndonesiaPBI. (2008). Sertifikat Bank Indonesia syariah. Jakarta: Bank IndonesiaPratama, Yoghi Citra. (2017). Analisis perbandingan pengaruh instrumen moneter syariah dan konvensional terhadap penyaluran dana ke sektor usaha mikro kecil dan menengah (UMKM) di Indonesia. Skripsi tidak diterbitkan. Jakarta: Universitas Islam Negeri Syarif Hidayatullah.Purwidianti, Wida dan Arini Hidayah. (2014).Faktor-faktor yang Mempengaruhi Alokasi Pembiayaan Perbankan Syariah untuk Usaha Mikro Kecil dan Menengah di Indonesia. Prosiding Seminar Hasil Penelitian LPPM UMP.Ramadhan, Masyitha Mutiara dan Irfan Syauqi Beik. (2013). Analisis Pengaruh Instrumen Moneter Syariah dan Konvensional Terhadap Penyaluran Dana ke Sektor Usaha Mikro Kecil dan Menengah (UMKM) di Indonesia. Jurnal al-Muzara’ah, 1(2), 175-190.Setianingsih, Diyan. (2018). Pengaruh inflasi, BI rate, sertifikat Bank Indonesia syariah dan financing to deposit ratio terhadap pembiayaan usaha mikro kecil dan menengah pada bank umum syariah dan unit usaha syariah di Indonesia periode 2014-2017. Skripsi tidak diterbitkan. Surakarta: Institut Agama Islam Negeri Surakarta.Undang-undang Nomor 20 Tahun 2008 tentang Usaha Mikro, Kecil, dan MenengahWahiduddin, Mohammad. (2018).Pengaruh inflasi, non performing financing (NPF) dan BI rate terhadap pembiayaan usaha mikro kecil dan menengah (UMKM) pada bank umum syariah 2012-2017. Al Amwal, 1(1), 76-89.
THE ZAKAT INDEX MEASUREMENT SUPPORTING THE ZAKAT COMMUNITY DEVELOPMENT PROGRAM IN SUMOBITO VILLAGE Rico Wardana Putra; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 4 (2020): April-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20204pp668-686

Abstract

This research has a purpose of knowing priority status at Sumobito Village of Jombang Regency in receiving zakat from BAZNAS through the Zakat Community Development (ZCD) program by using Index Desa Zakat (IDZ). This research uses mixed method. The qualitative method uses literature, observation and interview study whereas the quantitative method uses the IDZ score with Multi-stage Weight Index calculation. Secondary and primary data use the kind of data. Primary data is given from the result of structural interviews, questionnaire and observation. Where secondary data is given from journal articles, books, BPS, etc. The result of this research finds that the IDZ score is 0.59 at Sumobito village by index range score is lied in 0.41-0.60. It means that the prosperity level at Sumobito village is in good condition and it can be a consideration to receive zakat and donation.Keyword:  Index Desa Zakat (IDZ), Zakat Community Development (ZCD), BAZNAS, SumobitoREFFERENCE Kementrian Agama Republik Indonesia. (2014). Al-Quran dan terjemahnya.  Bandung: Sygma Creative Media Corp. [BAZNAS] Badan Amil Zakat. (2017). Zakat Community Development.Beik, IS, Arsyianti LD. (2016). Measuring zakat impact on poverty and welfare using CIBEST Model. Journal of Islamic Monetary Economics and Finance, 1(2), 141-160.[BPS] Badan Pusat Statistik Kota Jombang. (2017).[BPS] Badan Pusat Statistik Desa Sumobito. (2017).Hadi Yasin, Ahmad. (2012). Panduan zakat praktis. Jakarta: Dompet Dhuafa Republika.Hafidhuddin, D. (2002). Zakat dalam perekonomian modern. Jakarta: Gema InsaniHafidhuddin D, Nasar MF, Kustiawan T, Beik IS, Hakiem. (2015). Fiqih zakat Indonesia.Jakarta: Gema Insani.Herdayanti, Novi. (2018). Pengukuran Indeks Desa Zakat dalam mendukung program Zakat Community Development (Studi kasus: Desa Popongan Kabupaten Semarang). Skripsi tidak diterbitkan. Bogor: Institut Pertanian Bogor.Jamil, Alfan. (2019).  Implementasi Indeks Desa Zakat pada Desa Sungai Dua Kecamatan Rambutan (untuk desa yang terukur dan berkemajuan). Skripsi tidak diterbitkan. Palembang: UIN Raden Fatah Palembang.Kementerian Desa. (2015). Pembangunan daerah tertinggal dan transmigrasi. Jakarta: Kementerian Desa.Kementerian Perencanaan Pembangunan Nasional/ Badan Perencanaan Pembagunan Nasional dan Badan Pusat Statistik. (2014). Indeks Pembanguan Desa: Tantangan pemenuhan standar pelayanan minimum desa. Jakarta: Bappenas.Kensiwi. (2019). Identifikasi Indeks Desa Zakat di Kampung Sejahtera Kelurahan Sumberjaya Kota Bengkulu. Skripsi tidak diterbitkan. Institut Agama Islam Negeri Bengkulu.Mintarti, N. (2011). Pemberdayaan masyarakat berbasis zakat: Model-model dan pengukuran kinerja program. Executive Development Training Center. Bogor: Institut Pertanian Bogor.Profile Desa Sumobito Kabupaten Jombang. 2019Puskas BAZNAS. 2017.  indeks Desa Zakat. Jakarta: BAZNAS.Puskas BAZNAS. (2019). Dampak zakat melalui program balai ternak di Kabupaten Tanah Datar. Jakarta: BAZNAS.Puskas BAZNAS. (2019). Dampak zakat terhadap tingkat kesejahteraan mustahik: Studi kasus lembaga-lembaga program zakat. Jakarta: BAZNAS.Rencana Pembangunan Jangka Menengah Desa (RPJM) Desa Sumobito 2014-2018. Jakarta: Bappenas.Rencana Pembangunan Jangka Menengah Nasional (RPJM 2015-2019). Jakarta: Bappenas.Undang-Undang No 23 Tahun 2011 tentang Pengelolaan zakat.Undang-Undang No 6 Tahun 2014 tentang DesaUtami, Siti Halida. (2014). Pengaruh Zakat Produktif terhadap Pemberdayaan Mustahik di Kota Medan. Jurnal Ekonomi dan Keuangan, 2(6), 353-366.
TADLIS AND TAGHRIR IN TRANSACTIONS IN THE E-MARKETPLACE Trisnaning Setya Sutjipto; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp874-885

Abstract

This study aims to determine whether or not there are transactions that contain elements of tadlis and tagririr in the e-marketplace. This study uses primary data obtained from e-marketplace consumers in Surabaya which are classified as the age generation Z category. This study uses a descriptive quantitative approach with survey methods and questionnaires. The results of this study found that there are transactions in the e-marketplace that contain elements of tadlis and taghrir. Transactions with the tadlis element get a high response while transactions with the taghrir element get a lower response.Keywords: Market Distortion, Tadlis, Taghrir, E-MarketplaceREFFERENCE Afzalurrahman. (1996). Doktrin ekonomi Islam. Yogyakarta: Dana Bhakti Wakaf.Al Arif, M. Nur Rianto dan Euis Amalia. (2010). Teori mikroekonomi: Suatu perbandingan ekonomi islam dan ekonomi konvensional. Jakarta: Kencana.Angga, K. P. et al. (2017). Rancang bangun aplikasi marketplace penyedia jasa les private di kota Pontianak berbasis web. Jurnal Sistem dan Teknologi Informasi, 2 (5), 1-5. Codrington, G. & Grant-Marshall, S., Penguin. (2004). Mind the gap. South Africa: Penguin.David. (2014). E-Marketplace Sebagai Penyedia Layanan Penjualan Barang. Konferensi Nasional Sistem Informasi 2018, 159-164.Dewa, B. P. & Setyohadi, D. B. (2017). Analisis dampak faktor customer relationship management dalam melihat tingkat kepuasan dan loyalitas pada pelanggan marketplace di Indonesia, TELEMATIKA, 14(1), 33 – 38.Fauzi, Ahmad Sofwan. (2017). Transaksi jual-beli terlarang; ghisy atau tadlis kualitas. MIZAN: Journal of Islamic Law, 1(2), 143-154.Farki, A., Baihaqi, I., & Wibawa, B. M. (2016). Pengaruh online customer review dan rating terhadap kepercayaan dan minat pembelian pada online marketplace di Indonesia. Jurnal Teknik ITS, 5(2), 614-619.Firdayanti, Restika. (2012). Persepsi risiko melakukan e-commerce dengan kepercayaan konsumen dalam membeli produk fashion online. Journal of Social and Industrial Psychology, 1(1), 1-7.Grail Research. (2011). Consumers of tomorrow insights and observations about generation Z.Hakim, Lukmanul. (2017). Distorsi pasar dalam pandangan ekonomi Islam. Ekomadania, 1(1), 1-15.iPrice insight. (2019). Peta E-Commerce Indonesia 2019. (www.iprice.co.id).Karim, Adiwarman A. (2018). Ekonomi Mikro Islam. Depok: PT Rajagrafindo Persada.Laporan Survei Asosiasi Penyelenggara Jasa Internet Indonesia. (2019). Penetrasi & profil perilaku pengguna internet Indonesia 2018. (www.apjii.or.id)Manalu, A. S. B., Sumarwan, U., & Suroso, A. I. (2007). Analisis faktor - faktor yang mempengaruhi kepuasan pelanggan online. Jurnal Manajemen dan Agribisnis, 4(2), 67-80.Penulis (2018). Jawa masih mendominasi penetrasi E-Commerce Indonesia. (www.databoks.katadata.co.idPratama, Hellen Chou. (2012). Cyber smart parenting. Bandung: PT. Visi Anugerah Indonesia.Pusat Pengkajian dan Pengembangan Ekonomi Islam (P3EI). (2015). Ekonomi Islam. Jakarta: Rajawali Pers.Putra, N.P dan Panto, Y. J. (2012). Aplikasi E-marketplace berbasis web 2.0. Skripsi tidak diterbitkan. Palembang: STMIK GI MDP.Sarwono, J. 2006. Metode penelitian kuantitatif dan kualitatif. Yogyakarta: Graha Ilmu.Sudjana, Nana & Ibrahim. (1989). Penelitian dan penilaian pendidikan. Bandung: Sinar Baru.Sugiyono. (2019). Metode penelitian pendidikan (kuantitatif, kualitatif, kombinasi, R&D, dan penelitian pendidikan). Bandung: Alfabeta.Singarimbun, Masri & Effendi, Sofian. (1995). Metode penelitian survei. Jakarta: PT Pustaka LP3ES.Tempo.co. (2017). Riset Google: Warga Surabaya Paling Banyak Belanja Online. (www.tempo.co).
HUBUNGAN DANA PENANGGULANGAN KEMISKINAN PEMERINTAH DAN ZISWAF TERHADAP JUMLAH PENDUDUK MISKIN M. Muammar Ramadhan; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1637-1643

Abstract

The purpose of this study is to analyze the relationship of poverty reduction fund and ZISWAF to the number of poor people in Indonesia. This study uses quantitative approach. The data used are secondary data from official website baznas, kemenkeu and bps. Data analysis techniques used to answer the research problem and test the research hypothesis using Spearman correlation.Based on the results of the analysis known poverty alleviation funds have a negative relationship to the number of poor people in Indonesia, while ZISWAF have a non-negative relationship to the number of poor educators in Indonesia.Keywords: Poverty Reduction Fund, ZISWAF, PovertyREFFERENCESAl-Qur’an dan Terjemahannya. 2004. Al-Jumānatul ‘Āli: Al-Qur’an dan Terjemahannya. Departemen Agama Republik Indonesia. Bandung: J-ART.Badan Perencanaan Pembangunan Nasional (BAPPENAS). 2010. RPJMN Tahun 2010-2014. Jakarta: BappenasHafidhuddin, Diddn. 2002. Zakat dalam Perekonomian Modern. Jakarta: Gema InsaniHuda, Nurul, dkk. 2008. Ekonomi Makro Islam: Pendekatan Teoritis. Jakarta: Kencana Prenada Media Grup. Huda, N. Heykal, M. 2010. Lembaga Keuangan Islam. Jakarta: Prenamedia Group.Latifah, Anna Ayyun. 2013. Pengaruh Promosi Terhadap Loyalitas Donatur Untuk Menyalurkan Zakat Infaq Shadaqah (ZIS) Pada Dompet Dhuafa Jawa Timur. Surabaya. Skripsi tidak diterbitkan. Universitas Airlangga Surabaya. Qardhawi, Yusuf. 1996. Hukum Zakat (Penerjemah :Harun Salman, Hafidhuddin Didin dan Hasanuddin). Bandung. Mizan dan PT Pustaka Litera AntarNusa. Cetakan ke-5.Ruslan, Kadir. 2015. Jumlah Si Miskin (5): Garis Kemiskinan Bank Dunia. (Online) (https://kompasiana.com diakses 4 Maret 2018)Ryandono, Muhammad Nafik Hadi. 2008. Ekonomi ZISWAQ (Zakat, Infaq, Shadaqah dan Waqaf). Surabaya. IFDI dan Cenforis. Sadono, Sukirno. Makroekonomi. Teori Pengantar. Edisi Ketiga. Jakarta. PT. Grasindo Persada. Santoso, Singgih. 2012. Analisis SPSS pada Statistik Parametrik. Jakarta. PT. Elex Media Komputindo. Sugiyono. 2011. Metode Penelitian Kuantitatif, Kualitatif dan R&D.Bandung. CV Alfabeta. Wardani, Susma Anik. 2018. Determinan Ketahanan Pangan dan Gizi Rumah Tangga Petani Indonesia di Kawasan Pedesaan. Surabaya: Universitas Airlanggawww.bps.go.idwww.pusat.baznas.go.idtnp2k.go.id