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Jurnal Ilmiah Ekonomi Islam
Published by STIE AAS Surakarta
ISSN : 24776157     EISSN : 25796534     DOI : -
Core Subject : Economy, Social,
Jurnal Ilmiah Ekonomi Islam diterbitkan 3 (tiga) kali setahun (Maret, Juli dan November) oleh Lembaga Penelitian dan Pengabdian Kepada Masyarakat STIE AAS Surakarta.
Arjuna Subject : -
Articles 86 Documents
Search results for , issue "Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021" : 86 Documents clear
Analisis Penerapan Manajemen Risiko Pembiayaan Baitut Tamwil Muhammadiyah Bina Masyarakat Utama Bandar Lampung Moh - Fakhrurozi; Warsiyah - -
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (227.84 KB) | DOI: 10.29040/jiei.v7i3.3467

Abstract

BTM BiMU is a savings and loan cooperative and sharia financing which is a cooperative legal entity. BTM BiMU's business activities in the field of savings and loans and sharia financing face business risks that can disrupt its business continuity. The implementation of good risk management is very necessary so that the risks that may arise can be calculated early on. This study aims to determine the application of financing risk management at BTM BiMU in minimizing losses that may occur and to determine the suitability of the implementation of risk management with sharia principles. This research was conducted using a descriptive method with a qualitative approach. Based on the research conducted, it can be concluded that BTM BiMU has implemented financing risk management by making its own regulations and self-controlled by having SOPs on Lending which are carried out in accordance with applicable regulations. In implementing the precautionary principle, all parties involved in financing must implement 5C+1S properly. The provisions enforced at BTM BiMU are in accordance with sharia principles and organizationally have certified members of the Sharia Supervisory Board.
Pengaruh Financial Knowledge, Pendapatan dan Social influence terhadap Minat Menggunakan Aplikasi Pembayaran Digital pada Generasi Milenial Islam di Kota Bekasi Milda Handayani; Muhammad Richo Rianto
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (229.544 KB) | DOI: 10.29040/jiei.v7i3.3620

Abstract

This study aims to know influence financial knoweldge, income and social influence on use intention digital payment apps of Islamic Millennial Generation in Bekasi. This study uses quantitative research with a interview method technique with a population islamic millennial generation in Bekasi City. The targeted unit of analysis is the Islamic millennial generation. There were 100 questionnaires returned and 5 of them did not meet the requirements, so only 95 were used in this study. This study uses SmartPLS 3.3 to test the hypothesis. Findings - This research shows that financial knowledge and social influence affect on use intention digital payment apps of Islamic Millennial Generation in Bekasi Islamic. But income shows does not affect on use intention digital payment apps of Islamic Millennial Generation in Bekasi. This research further reinforces that knowledge and environment are important factor in all business and industries. The focus of this research is the development of financial knowledge, income and social influence. This research was also unique because it is studied in an area with a muslim majority.
Metode Penemuan Hukum dalam Sengketa Ekonomi Syari’ah di Pengadilan Agama Purwokerto Muhammad Fuad Zain
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (310.563 KB) | DOI: 10.29040/jiei.v7i3.3270

Abstract

Law No. 3 of 2006 has brought major changes to the Religious Courts, where the jurisdiction covers marriage; inheritance; will; grant; waqf; zakat; infaq; sadaqah; and Islamic economics. The research data comes from interviews of judges on decisions regarding Sharia economic disputes. The author finds that in the legal considerations of the judge in case no. 2074/Pdt.G/2017/PA.Pwt raises the theory that the restructuring of the murabahah financing agreement should not or should not be carried out on debtors who are clearly unable to pay installments in accordance with the agreement and auction off collateral goods that are true and not unlawful acts . While case No. 2449/Pdt.G/2018/PA.Pwt in the Musyarakah contract rejects potential loss by referring to DSN Fatwa No. 43/DSN-MUI/VIII/2014 which states that the amount of compensation in a musharaka contract is the value of real losses that must be experienced in the transaction. Discovery of law by using material and formal legal foundations with interpretation methods of legislation and restrictive methods by limiting or narrowing the interpretation of legislation in the context of prudence so as not to make mistakes in giving decisions.
The Reformation of Waqf Institution to Improve The Potential of Waqf in Indonesia MUHAMMAD RHEZA RAMADHAN
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (59.484 KB) | DOI: 10.29040/jiei.v7i3.2920

Abstract

This paper will describe a plan to reform the waqf institution, including the ideal business operations, the structure of the waqf institution, and how to build confidence in the waqf agency in Indonesia. Currently, the growth of waqf has enticed the government to better administer the waqf. Due to a lack of confidence, many individuals are hesitant to pay waqf. As a result, if the government wishes to enhance waqf revenue, the waqf institution in Indonesia should be reformed. Waqf institutions may be bettered in a number of ways. To begin, create new business processes and organizational structures that separate the collection, asset management, and disbursement processes; second, create a single institution supervised by the Ministry of Finance of the Republic of Indonesia to manage endowment funds from waqf; and third, use blockchain to increase the trust of waqf institutions among society.
Urgensi Kehadiran Bank Tanah Sebagai Alternatif Memulihkan Perekonomian di Indonesia Fidri Fadillah Puspita; Fitri Nur Latifah; Diah Krisnaningsih
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.741 KB) | DOI: 10.29040/jiei.v7i3.3599

Abstract

The formation of the land bank has been successfully built since the declaration of Government rule number 64 2021 about the structure of the land bank. According to the rule, the structure of the land bank has several objectives to distribute the owned land to achieve the sustainability of the economy. However, we focus on the urgency of existence from the land bank towards economic sustainability. By showing the creation of a land bank that is related to land acquisition, especially for the development of the infrastructure, therefore the prices tend to be expensive. The purpose of the current research is to understand how is the concept of a land bank to organize land assets that would be utilized and distributed. The current research is designed by qualitative and using the yuridis normative. Therefore, the urgency of the land bank can overcome the bad possibilities such as claimant, confrontation, and liberalization. At last, enhancing the land bank maximally requires some priority and evaluation during the process.
Exploring Indonesian Millennials Muzakkis’ insight of Paying Zakat in Digital Era Bella Jastacia; Dinda Ismu Asyifa
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.26 KB) | DOI: 10.29040/jiei.v7i3.3447

Abstract

Indonesia has 25.8% millennials, which this number counted as huge enough. It means that Indonesia has many youth generations. Millennials is a generation that like new things, especially technology. So, they understand technology and they can operate technology devices such as laptop or mobile phones. In this globalization era, everything is digital, especially in paying zakat. For millennials, it is easy to pay zakat by using their device through financial technology that has features to pay zakat. Thus, even though they understand the technology and they have ability to pay zakat digitally, it is essential to explore their insight of paying zakat in digital ways. This research explored Indonesia millennials Muzakki’s insight of Paying zakat in digital era from millennials with economic backgrounds and millennials without economic background. There were 135 participants from this research. This research used a quantitative method by applying survey approach. However, there was a significant difference of millennials Muzakki with economic background and millennials Muzaki without economic background.
Pengaruh Pembiayaan Syariah dan Indeks Pembangunan Manusia (IPM) Terhadap Tingkat Kemiskinan Di Provinsi Aceh: Analisis Data Panel Misfi Laili Rohmi; Tiara Juliana Jaya; Mahfudz Reza Fahlevi
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.663 KB) | DOI: 10.29040/jiei.v7i3.2602

Abstract

Poverty is a significant problem faced by developing countries, including Indonesia. Islam teaches its people to fight poverty because poverty is closer to kufr. Aceh is famous for applying Islamic law, but Aceh is the poorest province on the island of Sumatra in 2020. Meanwhile, in terms of Sharia financing, Aceh Province ranks 4th, and the Human Development Index (IPM) ranks 11th highest nationally. This panel aims to determine the effect of Islamic financing and the Human Development Index (HDI) on poverty levels in Aceh Province. Data analysis was carried out using panel data regression by choosing the best regression model, namely the Fixed Effect Model, by combining cross-section data of 21 districts/cities in Aceh Province during the 2016-2020 period. The study results, both partially and simultaneously, Islamic financing and HDI have a negative and significant effect on the poverty level in Aceh Province.
Melirik Dinamika Cryptocurrency dengan Pendekatan Ushul Fiqih Prima Dwi Priyatno; Isti Nuzulul Atiah
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (294.709 KB) | DOI: 10.29040/jiei.v7i3.3590

Abstract

Cryptocurrency is a digital or virtual currency, which does not have a physical form like fiat money. This crypto currency can only be used through devices such as PCs, laptops, smartphones and other devices that connected to the internet. There are several advantages in a crypto system that uses blockchain system, such as transaction security, convenience, speed and can be used across countries and continents, however cryptocurrency which is currently circulating also still have weaknesses, including there is no supervisory authority, even many countries have disagreements over the legality of this cryptocurrency. The debate about pro and contra regarding to the use of cryptocurrency becomes dynamics among the experts including the scholars who have study from Islamic point of view. This reseach aims to examine the dynamics of using cryptocurrency from ushul fiqh point of view, where the methods which used in this research are al-qur’an, al-Hadits, Qiyas and Sad-Adzariyah. Basically the use of cryptocurrency is allowed to meet cetain conditions that is by removing batil elements as in Quran surah An-Nisa verse 29, those batil elements are gharar and mayshir. Moreover, cryptocurrency must also has clear legality in a country for security in their use.
Analisis Faktor-Faktor Yang Mempengaruhi Minat Masyarakat Mengunjungi Wisata Halal Sumatra Barat (Studi Kasus Wisatawan Muslim Milenial Indonesia) Cupian Amzal; Annisa Rahmadita; Sarah Annisa Noven
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (244.851 KB) | DOI: 10.29040/jiei.v7i3.2746

Abstract

This study aims to determine and to analyse the factors that influence the intention of millennial muslim tourists travelling halal tourism in West Sumatra. Halal Tourism has developed rapidly and might become a world trend if the Covid-19 pandemic doesn’t occur. Halal tourism provides tour services and facilities not only for Muslim tourists but also for nonmuslim tourists. In 2016, Indonesia won 12 out of 16 categories on World Halal Tourism Award that makes Indonesia dominating the presentation, thus making Halal Tourism a potential sector to be developed. Four hundred millennial muslim tourist respondents were sampled; namely, those aged 20-40 years and had visited halal tourism in West Sumatra. The research was conducted using a descriptive quantitative approach and using a questionnaire that applied a Likert scale. The data obtained were analyzed employing the binary logistic regression method. The results indicated that the factors of knowledge, travel motivation, accommodation, the ease of obtaining halal food and drinks have a significant effect on the intention of millennial muslim tourists travelling halal tourism in West Sumatra. In contrast, the factors of electronic word of mouth, destination image, and facilities have no significant effect related to this concern.
Pengaruh Faktor-Faktor Psikologi Terhadap Keputusan Investasi Saham Syariah Di Yogyakarta Sarni Handayani Puspita Sari
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (323.669 KB) | DOI: 10.29040/jiei.v7i3.3149

Abstract

This study aims to analyze several psychological factors that have an influence on investors' investment decisions in the Province of the Special Region of Yogyakarta. The number of samples in this study were 180 respondents. The method for determining the sample is the convenience sampling method where data collection is through a questionnaire. Data analysis using Structural Equation Modeling (SEM) with Partial Least Square using SmartPLS software version 3.0. The data analysis methods in this study are the convergent validity test, the outer model, the reliability test (composite reliability and cronbach's alpha) and the average variance extracted (AVE) value test, the discriminant validity test, see cross loading, compare the AVE root values, test the inner model , R square analysis, Effect size (f2), Predictive relevance (Q2), goodness of fit index (GOF). The results of the first hypothesis test show that there is an influence between optimism on investment decision making. The results of the second hypothesis testing show that there is no influence between herding on investment decision making. This shows that an investor often imitates information from other people. The results of the third hypothesis test show that overconfidence in investment decisions has a significant and positive relationship. This means that the higher a person behaves overconfidence, the more confident they will be in their experience and abilities. The results of the fourth hypothesis test show that there is a positive and significant relationship between conservatism on investment decision making. The results of the fifth hypothesis test show that there is no effect of Availability Bias on investment decision making.

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