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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 )

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.

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

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

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

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.

STUDI KOMPARASI REGULASI TATA KELOLA SYARIAH BAGI PERBANKAN SYARIAH DI NEGARA-NEGARA MUSLIM MINORITAS ALI RAMA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 2 (2018): Juli - Desember 2018
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v3i2.196

The sharia governance system (SG) is needed by sharia financial institutions to increase public trust in compliance with sharia principles in the overall operation of their business. The practice of SG sharia financial institutions in various jurisdictions varies according to the legal framework that governs them. Countries with a majority Muslim population may have a legal framework regarding SG that is different from Muslim minority countries. This study aims to conduct a comparative analysis of SG regulation models for Islamic banks in minority Muslim countries, especially in Southeast Asian countries such as Singapore, the Philippines and Thailand. This research also included Indonesia as a representation of the majority Muslim country. Content analysis methods for a number of legal documents are used to achieve the research objectives. This study found that Muslim minority countries were relatively flexible in their arrangement of SG for Islamic banking. For example, in the structure of sharia supervision organizations, Singapore, the Philippines and Thailand adhere to a decentralized system of sharia supervision, ie there is no fatwa authority at the national level. Generally these countries do not regulate in detail about the aspects of SG and allow each financial institution to regulate it themselves and or refer to international institutions.

Analysis of Environmental Performance and Tax Aggressiveness on CSR Disclosure: A Study of PROPER KLH Companies in the Indonesian Sharia Stock Index 2017-2022 Ahmad Rizqi Makinudin; Ali Rama; Zuhairan Yunmi Yunan
Al-Muamalat: Jurnal Ekonomi Syariah Vol 11, No 2 (2024): July
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v11i2.34015

This study investigates the factors influencing Corporate Social Responsibility (CSR) disclosure among companies listed in the PROPER KLH within the Indonesian Sharia Stock Index (ISSI) from 2017 to 2022. Utilizing a quantitative approach, the research employs secondary data and panel data regression analysis. The results reveal that environmental performance, company age, and tax aggressiveness significantly affect CSR disclosure, as measured by the Global Reporting Initiative (GRI) index. These findings underscore the crucial role of these factors in shaping a company's commitment to social and environmental responsibilities, while also highlighting the complex dynamics between corporate actions and their environmental impact. Companies with strong environmental performance not only contribute positively to the planet but also enhance their long-term reputation. The relationship between tax aggressiveness and CSR disclosure suggests a significant interplay between financial strategies and ethical considerations in corporate decision-making. This underscores the need for a comprehensive approach to corporate governance that integrates financial objectives with ethical responsibilities. Consequently, policymakers and stakeholders should leverage these insights to develop more effective regulations and incentives that promote responsible corporate conduct.

AN EXPLORATION OF CUSTOMERS’ SWITCHING BEHAVIOR IN ISLAMIC BANKING INDUSTRY Rama, Ali
Journal of Islamic Monetary Economics and Finance Vol 2 No 2 (2017)
Publisher : Bank Indonesia

The existence of the switching behavior among Islamic bank customers may affect to the survival of the Islamic banks of the country. Switching behavior is mostly as an outcome of the negative service experience that may be related to several factors. The purpose of the study is to provide an insight of the drivers that lead to a bank customer switching behavior from one Islamic bank to another bank. The study employed survey method through questionnaire instrument and distributed to Islamic banking customers in several areas of Banten Province, Indonesia. The result of statistical analysis shows that customer satisfaction, service quality, shariah compliance, prices and involuntary switching have their significant effect on customers’ switching behavior in the Islamic banks. However, service failure and advertisement are not statistically significant in driving bank switching. Therefore, the Islamic bank manager should shape their business model around customers’ needs and focuses operational improvements on customers’ most valued interactions.

Banking Selection Criteria among Millennials: Insights from Islamic and Conventional Banks Rama, Ali; Wiranata, Suhenda
Signifikan: Jurnal Ilmu Ekonomi Vol 12, No 2 (2023)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i2.35104

The increasing number of millennials presents an enticing market opportunity for business. Understanding their preferences is the key to attracting their sympathy and interest. Thus, this study aims to analyze banking selection criteria for Islamic and conventional banks among the young generation. A group of students represents the millennial group in this study. Data is collected through questionnaire instruments, and factor analysis is employed to capture millennials' preference for banking. The finding highlights a relatively lower level of knowledge and awareness among millennials regarding the products and services offered by Islamic banks. Interestingly, among them, an inverse relationship exists between the criteria for selecting Islamic and conventional banks. Factors associated with banking preference among millennials are managerial performance and service quality, religiosity, recommendations, and finances. This study provides valuable insights for banking industry players, enabling them to understand millennial banking preferences better and formulate suitable marketing strategies.JEL Classification: G21, G32, D81How to Cite:Rama, A., & Wiranata, S. (2023). Banking Selection among Millennials: Insights from Islamic and Conventional Banks. Signifikan: Jurnal Ilmu Ekonomi, 12(2), 341-354. https://doi.org/10.15408/sjie.v12i2.35104.

AN EXPLORATION OF CUSTOMERS’ SWITCHING BEHAVIOR IN ISLAMIC BANKING INDUSTRY Rama, Ali
Journal of Islamic Monetary Economics and Finance Vol. 2 No. 2 (2017)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v2i2.653

The existence of the switching behavior among Islamic bank customers may affect to the survival of the Islamic banks of the country. Switching behavior is mostly as an outcome of the negative service experience that may be related to several factors. The purpose of the study is to provide an insight of the drivers that lead to a bank customer switching behavior from one Islamic bank to another bank. The study employed survey method through questionnaire instrument and distributed to Islamic banking customers in several areas of Banten Province, Indonesia. The result of statistical analysis shows that customer satisfaction, service quality, shariah compliance, prices and involuntary switching have their significant effect on customers’ switching behavior in the Islamic banks. However, service failure and advertisement are not statistically significant in driving bank switching. Therefore, the Islamic bank manager should shape their business model around customers’ needs and focuses operational improvements on customers’ most valued interactions.

Analisis Efektivitas Pengelolaan Dana Zakat, Infaq, dan Sedekah Amalia, Indah Puji; Rama, Ali
Tauhidinomics: Journal of Islamic Banking and Economics Vol 3, No 1 (2023)
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/thd.v3i1.37457

Pandangan dari sisi sosial dan ekonomi, ZIS bertujuan meningkatkan pendapatan untuk mengurangi kesenjangan yang terjadi pada masyarakat. Pada kenyataannya potensi zakat yang besar masih jauh dari realisasi penghimpunan zakat nasional. Salah satu penyebabnya karena kepercayaan masyarakat terhadap lembaga ZIS masih rendah. Penelitian ini bertujuan mengetahui bentuk transparansi pelaporan, tingkat efektivitas dan efisiensi pengelolaan dana ZIS. Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif. Bentuk transparansi yang dilakukan YBM PLN yaitu menyajikan informasi dalam berbagai media secara terbuka dengan kemudahan akses bagi siapapun yang membutuhkan informasi. Proses pengelolaan dana ZIS yang dilakukan YBM PLN bersifat terbuka dari penghimpunan hingga penyaluran sehingga muzaki maupun masyarakat dapat melihatnya dalam laporan kegiatan dan laporan keuangan yang dipublish dalam medianya. Pada tahun 2018 sampai 2022, tingkat efektivitas yang berhasil dicapai YBM PLN diantara 73%-86% sehingga predikat yang didapat YBM PLN efektif. Pada tahun 2020-2022, YBM PLN telah berhasil mencapai tingkat efisiensi 100%. Hal ini meninjukan bahwa YBM PLN sudah efisiensi secara maksimal dalam pengelolaan dana ZIS.

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