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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EQUILIBRIUM IQTISHADIA Tauhidinomics Jurnal Ekonomi Syariah Teori dan Terapan Al-Maslahah Journal of Islamic Monetary Economics and Finance Dialog Jurnal Bimas Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Al-Muamalat : Jurnal Ekonomi Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Journal of Islamic Economics Lariba
Ali Rama
UIN Syarif Hidayatullah Jakarta
Religion Humanities Economics, Econometrics & Finance Social Sciences

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ANALISIS PERILAKU DEPOSAN PERBANKAN DI INDONESIA (STUDI KASUS BANK SYARIAH DAN KONVENSIONAL) Mustabsyirah Musri; Ali Rama
Tauhidinomics: Journal of Islamic Banking and Economics Vol 1, No 1 (2015)
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/thd.v1i1.2689

Abstract

This study attempts to empirically analyze the factors that are important in determining the Islamic bank deposit and conventional bank deposit in the case of Indonesia. By employing the vector autogression analysis along with the associated granger causality, variance decomposition and impulse response function for all banks in Indonesia, the study examine the importance of selected financial and macroeconomic variables in determining the level of deposit of Islamic banks as well as conventional banks. Using monthly data, the study covers the period from January, 2004 to September, 2013. The results highlight the influential role of interest rate and rate of return in determining the level of bank deposit (Islamic and conventional). The finding also shows the existence of interest risk on the Islamic bank system. Another finding reveals that inflation, stocks price and economic growth influence the level of deposit in the banking system.
ANALISIS DESKRIPTIF PERKEMBANGAN PERBANKAN SYARIAH DI ASIA TENGGARA Ali Rama
Tauhidinomics: Journal of Islamic Banking and Economics Vol 1, No 2 (2015)
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/thd.v1i2.8430

Abstract

Current statistic shows that Southeast Asia region has transformed as leading center for global Islamic financial industry. Indonesia and Malaysia are the leading countries for Islamic finance industry in the region. The study aims to provide a descriptive analysis of Islamic finance development in Souheast Asia countries, namely Indonesia, Malaysia, Brunei Darussala, Singapore, Thailand, and Philipine. The study focuses on the history and regulatory analysis for Islamic finance industry across jurisdiction. It finds that the regulation governs for Islamic financial institutions in each countries are varies. These differences will be a challenge in creation of Islamic finance integration as a part of ASEAN economic integration programm.
Analisis Kesesuaian Konstitusi Ekonomi Indonesia Terhadap Ekonomi Islam Ali Rama; Makhlani Makhlani
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 6, No 1: January 2014
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (245.841 KB) | DOI: 10.15408/aiq.v6i1.1367

Abstract

The Similarities of Indonesian Economy Constitution to Islamic Economy. This study invistigates the similarities between the constitution of the Indonesian economy and Islamic economic system. It finds that the constitution of Indonesian economy have in common with the Islamic economic system, especially at the basic values, basic principles and instrumentals. The main similarities lie in the principle of economic activities based on the principles of solidarity and togatherness and the role of the state in the allocation of economic resources for economic prosperity and welfare of the whole people. Another important similarity is the presence of high concern towards the needy and neglected children through various economic policy instruments such as social security and social protection programs. Therefore, it is no longger relevant to polarize between the Indonesian economic constitution or Pancasila economic system and Islamic economic system  DOI:10.15408/aiq.v6i1.1367
Konstruksi Indeks Keislaman Ekonomi dan Kajian Empirisnya di Indonesia ali rama
Jurnal Bimas Islam Vol. 9 No. 3 (2016): Jurnal Bimas Islam
Publisher : Direktorat Jenderal Bimbingan Masyarakat Islam

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Abstract

Abstraksi Terdapat sejumlah studi yang membuktikan bahwa agama dan kinerja ekonomi memiliki hubungan yang kuat. Studi ini mengukur tingkat ‘keIslaman ekonomi’ provinsi-provinsi di Indonesia menggunakan model ‘indeks keIslaman ekonomi”. Konsep indeks ini merupakan indeks komposit dari tujuan utama yang ingin dicapai oleh sistem ekonomi Islam. Tujuan utama tersebut selanjutnya diturunkan menjadi prinsip-prinsip ekonomi Islam yang nantinya akan diproksikan oleh sejumlah indikator ekonomi yang relevan dan terukur. Model ini menghasilkan peringkat rangking ‘keIslaman’ ekonomi provinsi-provinsi di Indonesia dalam bentuk indeks. Penelitian ini menemukan bahwa provinsi Sumatera Selatan menempati posisi tertinggi dalam perolehan skor indeks. Sebaliknya, provinsi Papua menjadi provinsi yang memiliki skor indeks terendah dibandingkan dengan provinsi lainnya. Selanjutnya, hanya terdapat 11 provinsi dari total provinsi di Indonesia yang memiliki skor indeks di atas 50 poin. Hal ini berarti rata-rata wilayah/provinsi di Indonesia memiliki kinerja indeks pada pencapaian tujuan sistem ekonomi Islam relatif rendah. Abstract Some earlier studies show that religion and economic activities have strong relationship. The study measured the level of 'the Islamic economy' provinces in Indonesia using the model 'index of the Islamic economy". The index concept is actually a composite index derived from main purposes of Islamic economy system. The main concepts are divided into several Islamic economic principles then proxied by several relevant and measurable economic indicators. The model provides ranking of Islamic economy performance for all provinces in Indonesia.This study found that the South Sumatra province occupies the highest position in the acquisition of the index score. Instead, the province of Papua into the provinces which have the lowest index score compared to other provinces. Furthermore, there are only a total of 11 provinces of the provinces in Indonesia which has an index score above 50 points. This means an average of regions / provinces in Indonesia have a performance index on the achievement of the objectives of Islamic economy system is relatively low.
Analisis Sistem Tata Kelola Syari’ah bagi Perbankan Syari’ah di Indonesia dan Malaysia Ali Rama
Jurnal Bimas Islam Vol. 8 No. 1 (2015): Jurnal Bimas Islam
Publisher : Direktorat Jenderal Bimbingan Masyarakat Islam

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Abstract

Abstract Shariah governance is a term that would represent a model of corporate governance designed to ensure the compliance of shariah principles. The study analyzes the regulatory framework of shariah governance system for Islamic financial institution between Indonesia and Malaysia, based on the legal framework in each jurisdiction. Comparative analysis is conducted on the four major aspects of shariah governance, namely regulatory framework, organizational structure, process and function of shariah council. The study finds that there are many similarities as well as difference of shariah governance practices in both countries. The similarity, for example, is that both countries have a centralized fatwa council at national level and shariah board at firm level to supervise the implementation of fatwa at industry. According to the process of shariah governance particularly on the restriction of any appointment as shariah board in other financial institutions and qualification for the shariah board, Malaysia adopts strict approach, while Indonesia adopts moderate approach. Abstraksi Tata kelola syari’ah atau shariah governance merupakan istilah yang dapat merepresentasikan akan suatu model tata kelola yang didesain secara kelembagaan untuk memastikan kepatuhan terhadap aspek syari’ah. Penelitian ini bermaksud untuk menganalisa model tata kelola syari’ah bagi lembaga keuangan syari’ah yang ada di Indonesia dan Malaysia, berdasarkan kerangka hukum di masing-masing yurisdiksi tersebut. Analisis komparatif dilakukan pada empat aspek utama dari sistem tata kelola syari’ah, yaitu regulasi, struktur organisasi, proses dan fungsi dewan syari’ah. Penelitian ini menemukan berbagai kesamaan dan perbedaan tentang model tata kelola syari’ah di kedua negara tersebut. Persamaanya misalnya adalah kedua negara tersebut menerapkan sistem sentralisasi fatwa melalui lembaga fatwa di tingkat nasional yang pengawasan penerapannya di industri dilakukan oleh dewan syari’ah pada internal perusahaan. Sementara pada aspek proses khususnya masalah rangkap jabatan dan kompotensi bagi anggota dewan syari’ah, di Malaysia menggunakan pendekatan ketat. Sementara di Indonesia cenderung moderat.
SCHUMPETERIAN ‘GREAT GAP’ THESIS AND MEDIEVAL ISLAMIC ECONOMIC THOUGHT: INTERLINK BETWEEN GREEKS, MEDIEVAL ISLAMIC SCHOLARS AND EUROPEAN SCHOLASTICS Ali Rama
Al-Maslahah : Jurnal Ilmu Syariah Vol 13, No 1 (2017)
Publisher : Fakultas Syariah (Syari'ah Faculty )

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (151.638 KB) | DOI: 10.24260/almaslahah.v13i1.916

Abstract

Abstract Joseph Schumpeter (1883-1950) in his magnum opus, History of Economic Analysis (1954) proposed a great gap thesis by saying that economic analysis begins only with the Greeks and was not reestablished until the rise of European Scholasticism in the hands of St Thomas Aquinas.In fact, this Schumpeterian great gap in economic thought coincides with the Islamic golden age, when various Muslim writers made substantial contributions in various fields of inquiry, including economic matters. A substantial body of contemporary economic is traceable to medieval Arab Scholastics such as Abu Yûsuf (731-798), Al Farabi (873-950), IbnuSina (980-1037), Al-Ghazalî (1058-1111), IbnuTaimiyah (1263-1328), and IbnuKhaldûm (1364-1442).There were interlinked between Greek intellectual legacy to Islamic medieval legacy and to Latin scholastic economics. The Arab scholarship itself stimulated by the Greeks and further developed in light of the Islamic Ethos, not only inspired Scholastic thought, but that much of that scholarship became incorporated in Scholastic writings.So this paper provides an academically objection to the Schumpeterian thesis by providing Islamic scholars’ contribution on economic thoughts. Additionally, the paper provides some issues on Islamization of contemporary economics. Key words: great gap, medieval Arab-Islamic scholastics, Islamization of Economics, Islamic worldview. Abstrak Joseph Schumpeter (1883-1950) dalam bukunya History of Economic Analysis (1954) memperkenalkan sebuah tesis ‘great gap’ dengan mengatakan bahwa analisis ekonomi hanya mulai dari Yunani dan tidak berkembang lagi sampai kemunculan ilmuan Skolastik Eropa di tangan St Thomas Aquinas. Namun kenyataannya, ‘great gap’ Schumpeter ini justru terjadi pada masak ejayaan Islam, yaitu ketigasejumlahsarjanadanilmuan Muslim memberikan kontribusi signifikan dalam berbagai jenis penemuan dan keilmuan termasuk dalam bidang ekonomi. Isi dari ilmu ekonomi kontemporer saat ini dapat dilacak kesamaannya dengan karya ilmuan Arab abad pertengahan seperti Abu Yûsuf (731-798), Al Farabi (873-950), Ibnu Sina (980-1037), Al-Ghazalî (1058-1111), Ibnu Taimiyah (1263-1328), dan Ibnu Khaldûm (1364-1442). Terdapat keterhubungan antara karya intelektual Yunani, ilmuan Muslim abad pertengahan dan Ilmuan skolastik. Ilmuan Arab sendiri ‘distimulasi’ oleh ilmuan Yunani yang selanjutnya dikembangkan sesuai dengan kerangka Islam dan banyak dari karya mereka memiliki kemiripan dengan tulisan Skolastik. Penelitian ini melakukan penolakan secara akademik atas tesis Shumpeter tentang ‘great gap’ dengan menunjukkan kontribusi ilmuan Muslim dalam pemikiran ekonomi. Penelitian ini juga membahas beberapa isu tentang Islamisasi ilmu ekonomi kontemporer.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Ade Ananto Terminanto; Ali Rama
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
PERINGKAT KINERJA LEMBAGA KEUANGAN SYARIAH BERDASARKAN MAQASHID SYARIAH Herni Ali HT; Ali Rama
Jurnal Dialog Vol 39 No 2 (2016): JURNAL DIALOG
Publisher : Sekretariat Badan Litbang dan Diklat Kementerian Agama RI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (526.86 KB) | DOI: 10.47655/dialog.v39i2.94

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This study aims at developing the concept of maqashid al-shari’ah as the fundamental principles for sharia banks. It also sought to develop measurement methods through relevant performance ratio. Maqashid al-shari’ah principles are underlined by three major concepts, namely: (i) individual learning (tahdhibal-fard); justice enforcement (iqamah al-‘adl); and welfare improvement (jalb al-maslahah). These three concepts are then derived into measurable dimentions, elements, an d indicators for public sharia banks in Indonesia. This study employed indexation and benchmarking to 2014 financial report and it found that there is no correlation between the sharia bank assets to their maqashid al-shari’ah performance. Bank Syariah Mandiri with the biggest asset, for instance, perfomed low in the principle of maqashid al-shari’ah. On the contrary, Bank Maybank Syariah and Panin Syariah with less assets performed better. This study suggests that sharia banks Indonesia should apply maqashid al-shari’ah principles for the organizational goals and evaluation method. KEY WORDS:Maqashid al-shari’ah, financial performance, individual learning, justice, welfare, sharia banks
Faktor-Faktor yang Mempengaruhi Keinginan Mengonsumsi Produk Halal Menggunakan Theory of Reasoned Action Rindo Khossario; Ali Rama
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 1 No 1 (2017)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (425.256 KB) | DOI: 10.33379/jihbiz.v1i1.671

Abstract

Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi keinginan mengonsumsi produk halal studi kasus pada masyarakat Kampung Tualang Kecamatan Tualang Kabupaten Siak Kota Pekanbaru. Variabel dependen dalam penelitian ini adalah keinginan mengonsumsi produk halal, sedangkan variabel independen adalah norma subjektif, sikap, religiositas, harga dan label halal. Penelitian ini menggunakan probability sampling dengan responden masyarakat Kampung Tualang Kecamatan Tualang Kabupaten Siak Kota Pekanbaru. Penelitian ini menggunakan metode analisis regresi linear berganda dengan software SPSS versi 23.0 dan Microsoft Excel 2010. Hasil temuan dari penelitian ini menunjukkan bahwa norma subjektif, sikap dan harga berpengaruh positif terhadap keinginan mengonsumsi produk halal. Sedangkan religiositas dan label halal tidak berpengaruh terhadap keinginan mengonsumsi produk halal. Hasil temuan penelitian ini juga menunjukkan bahwa secara simultan norma subjektif, sikap, religiositas, harga dan label halal berpengaruh terhadap keinginan mengonsumsi produk halal.
MENGUKUR DERAJAT KEISLAMAN EKONOMI DAN FAKTOR PENDORONGNYA: STUDI KASUS PROVINSI DI INDONESIA ALI RAMA
Maqdis: Jurnal Kajian Ekonomi Islam Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/maqdis.v3i1.151

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The study aims to rank the degree of economic Islamicity for all provinces in Indonesia using ‘economic islamicity index’. Other than that, the study investigates the impacts of economic performances, market share of Islamic banking and human development to economic Islamicity performance. To achieve the purposes, the study employs index method, descriptif analisis,correlation and regression models. The study finds that Indonesia as Muslim majority population has lower degree of Islamicity, particularly in the aspect of economic Islamicity. The average performances of all provinces are in middle level which is ranging between 30-40 points. The result indicates that the overall performances of economic Islamicity for all provinces in Indonesia are relatively same, there is no signficant gap between them. The statistical findings confirm that economic performances (economic growth and income per capita) and humand development are statistically significant in affecting the index performances. Thus, economic and human development are among the keys achieving the purposes of the Islamic economic system.
Co-Authors Ahmad Rizqi Makinudin Ahmad Rodoni Amalia, Indah Puji Awallyah, Mumtazzyah Awallyah, Mumtazzyah Awallyah Desmadi Saharuddin Desmadi Saharuddin, Desmadi Herni Ali HT Khairunnisa, Dini Anggreini Makhlani Makhlani Makhlani Makhlani Makinudin, Ahmad Rizqi Meliawati Meliawati, Meliawati Mustabsyirah Musri Mynbayeva, Elmira Putri, Poppy Secilia Rindo Khossario Terminanto, Ade Ananto Terminanto, Ade Ananto WIRANATA, SUHENDA WIRANATA, SUHENDA Yella Novela Zuhairan Yunmi Yunan