Articles
2,313 Documents
Effectiveness of Financial Investment Risk Management of Dana Haji Indonesia
Alif Ilman Mansyur
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 (144.641 KB)
|
DOI: 10.29040/jiei.v7i3.3610
Instructions This study aims to see how the financial condition of Hajj Funds in Indonesia and has the authority to manage Hajj financial investments in Indonesia. The research method used a descriptive qualitative approach, namely by understanding the various concepts found in the research process, research techniques using content analysis and library research. in this study using secondary data sources and types obtained from research results, articles and reference books that discuss topics related to the research theme. The results show that first, the development of financial conditions for Hajj investment in Indonesia in the May 2020 period amounted to Rp. 135 trillion and the ranking of funds seen from the source, namely the initial deposit of Rp. 132 trillion and the people's endowment fund of Rp. 3.4 T, then viewed in terms of the value of assets / funds under management and the value of the benefits of the BPKH that are produced at a value of Rp. 125 trillion in 2019. Second, which has financial management risk for Indonesian hajj funds who see the risks that occur, the main control that must ensure that the main hajj fund financial investment risks can be managed effectively, Identify the Team / Individual responsible for ensuring the main control operate as required, Identify the Team / Individual responsible for ensuring the main controls operate as required.
Fund Assistance From Amal and Zakat Agencies: Will It Help Effectiveness and Improve MSME Performance in The Time of The Covid-19 Pandemic? (Case Study of Lazismu Indonesia's MSME Empowerment Program)
Nadia Fathurrahmi Lawita;
Wan Laura Hardilawati
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 (225.128 KB)
|
DOI: 10.29040/jiei.v7i3.3150
MSMEs are currently a topic of discussion that needs attention, considering how the condition of MSMEs can have a significant impact on the national economy, however, the Covid-19 Pandemic has strongly impacted economic decline accompanied by the closure of many MSMEs. To revive the existence of MSMEs, currently a lot of assistance is provided in the form of funds and guidance for MSME players, one of which is from the Lazismu Institute. This study aims to analyze the effectiveness of Lazismu funding on the performance of MSMEs using mix methods, where the result is that the assistance from Lazismu affects the performance of MSMEs. The results showed that the UMKM assistance provided by Lazismu was considered useful and effective in supporting the performance of MSMEs, besides that the existence of business assistance and training could also support the improvement of MSME performance
Studi Pemikiran Prof. Dr. Muhammad Sayyid Thanthawi Interpretasi Atas Pemberlakuan Suku Bunga Bank
Dwi Umardani
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 (256.045 KB)
|
DOI: 10.29040/jiei.v7i3.3226
Abstract This study aims to find out any further opinion of a contemporary muslim figure named Muhammad Sayyid Thantawi regarding the law of bank interest rate. The method used is qualitative method with primary and secondary data collected through literature review then analyzed in depth to get clear-cut the thing being studied. According to him, since the determination of profit in advance in the form of profit-sharing ratio is not based on the argument of Al-Qur'an or Al-Hadith, there is no argument in either Al-Qur'an or Al-Hadith that prohibits the determination of profit in advance in the form of a certain percentage level of capital, the determination of profit in advance at a certain percentage level of capital can prevent the capital owner from fraud, there is no element of exploitation in the practice of bank interest rate, and the considerations of maslahah value, the practice of bank interest rate does not include riba and is lawful. Keywords: Bank interest rate, no element of exploitation, lawful.
Dimensi Carter Kualitas Layanan Bank Syariah Indonesia: Studi Komparatif Sebelum dan Setelah Merger
Dian Sugiarti;
Any Meilani
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 (252.471 KB)
|
DOI: 10.29040/jiei.v7i3.3660
Islamic banking in Indonesia recorded a new history with the merger of three Islamic banks, namely Bank Syariah Mandiri, BNI Syariah and BRI Syariah. There are concerns arising from customers of the three Islamic banks of the merger in the transition period of bank merger. This customer concern, making Bank Syariah Indonesia try to provide the best value for consumers. This makes quality an important part of Bank Syariah Indonesia in carrying out its operational strategy to lure customers in assessing its performance. To find out how much service quality a bank, it can use an analysis in a dimension one of which is the DIMENSION OF CARTER (Compliance, Assurance, Reliability, Tangibility, Emphaty, Responsiveness) as a form of modification of SERVQUAL to be suitable for measuring the quality of islamic bank services. This study is a multiyear study that will be conducted within a period of 2 years and aims to compare the quality of services of Bank Syariah Indonesia before and after the merger. This research is a quantitative study study in comparison with kohrt survey. Data collection methods are done by collecting primary and secondary data. Primary data is obtained through the dissemination of questionnaires. Secondary data is obtained through literature studies by studying the results of studies and relevant document documents. Respondents in this study were customers of Bank Syariah Indonesia with predetermined characteristics. The study used a sign test or wilcoxon to analyze the data. This research is expected to have significant implications for both the theory and policy of state-owned Islamic Banks in improving the quality of their services in order to reach a wider market share. This research has targets and external in the form of national journals.
Problematika Implementasi Akad Bai` Bitsaman Ajil Perspektif Hukum Islam pada BMT Sidogiri Cabang Situbondo
Imam Nawawi Imam Nawawi;
M. ZIDNY NAFI' HASBI ZIDNY NAFI'
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 (302.011 KB)
|
DOI: 10.29040/jiei.v7i3.2927
Abstract The shift in national economic policy that follows global economic developments has led the government to improve its economic activities. One of the economic activities that are improved is banking activities. The legal instrument that was improved was the issuance of Law No. 7 of 1992 on Banking. This research aims to analyze how the presence of sharia financial institutions such as BMT UGT (Integrated Joint Venture) Sidogiri is responded enthusiastically by Muslims who are the majority in Indonesia. The research method uses qualitative method with data collection techniques using observation methods, interviews, and research libraries to find sources and data that support this writing. Then from the data is analyzed using qualitative analysis methods that are based on doctrinal approaches and interpretations of the data sources obtained. Based on the results of the study can be known that the application of akad bai' bitsaman jail (BBA) in BMT UGT Sidogiri assemblages auxiliary branch is the inclusion of another contract namely wakalah agreement. Ada two models that are carried out, the first goods are still handed over to BMT by the customer who became a representative, only then handed back by BMT to the customer earlier. This is valid because BMT UGT sidogiri and nasabah have agreed to follow Islamic law and banking regulations. Second, the goods are immediately taken home by the customer and become property rights, without first being handed over to BMT. This method is legally invalid. After all, it is not following Islamic shari'a because it happened ittihadul quality wall muqbit
Implementasi Akad Syirkah Pertanian Sistem Telonan dalam Perspektif Ekonomi Islam (Desa Sumberwaru Wringinanom Gresik)
Dyah Suryani;
Renny Oktafia
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 (346.908 KB)
|
DOI: 10.29040/jiei.v7i3.3579
The agricultural sector is one sector that plays a very important role in meeting human food needs. Indonesia is an agrarian country which means that most of the population work as farmers. An agreement for agricultural products is an agreement that arises in indigenous peoples, namely between the owner and the manager of the land, usually this agreement is based on the principle of trust between the two, which is written or not. This study aims to determine how the application of agricultural land cooperation using the telonan system and also the impact of the application of telonan cooperation in an Islamic economic perspective. This research was conducted using a qualitative method with a case study approach. Researchers collected data using interviews, documentation and direct observation. From this study it can be concluded that the implementation of the syirkah contract in the village of Sumberwaru Wringinanom Gresik is in accordance with Islamic economics in terms of the understanding of the number of scholars who are the chairman of the east java MUI, but there are several things that have been improved, such as the implementation of the contract must be written so that the deadline is clear. The results of the analysis from interviews with several informants of cooperation actors in Sumberwaru Village showed an increase in the welfare aspect according to maqoshid sharia on the indicators of religion, soul, mind, lineage and property which had increased and were deemed sufficient to fulfill daily needs.
Analisis Tingkat Kesehatan Bank Syariah Menghadapi Pandemi Covid-19
Fika Azmi;
Nugroho Heri Pramono;
Mirasanti Wahyuni
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 (329.077 KB)
|
DOI: 10.29040/jiei.v7i3.3745
The COVID-19 pandemic that is hitting the world today has affected industrial sectors, including the banking industry in Indonesia. Even though there is policy protection from the government so that banks can run well, it is not a guarantee that banks will be able to withstand economic shocks. This study aims to examine whether there are differences in the soundness of Islamic banking before and during the COVID-19 pandemic. The variables studied were Risk Profile, Good Corporate Governance, Profitability and Capital. The sample in this study is 42 data from quarterly reports of Islamic banking in Indonesia registered by Otoritas Jasa Keuangan in 2019 and 2020. The data analysis method uses the Paired Sample T-Test and the Wilcoxon Signed Rank Test. The results showed that there was no difference the Risk Profile and Good Corporate Governance between before and during the covid-19 pandemic. Meanwhile, Profitability and Capital have significant differences between before and during the COVID-19 pandemic.
Implementasi sistem gadai tanah kebun dalam perspektif hukum islam
Surahman Surahman;
Zaenal Abidin;
Haeran Haeran
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 (192.061 KB)
|
DOI: 10.29040/jiei.v7i3.3483
Pendahuluan. Praktik gadai sudah lama di praktikan di tengah-tengah masyarakat Desa Sungai Tering Kecamatan Nipah Panjang Tanjung Jabung Timur. Penelitian ini bertujuan untuk mengetahui bagaimana praktik gadai tanah yang digadaikan kembali dan apakah praktik gadai tanah yang digadaikan kembali tersebut diperbolehkan menurut syariat islam. Metode. Penelitian ini merupakan penelitian dasar (Basic Research), sifat penelitian ini adalah deskriptif analisis. Analisis data dalam penelitian ini menggunakan metode analisis kualitatif. Metode ini digunakan untuk memahami fenomena tentang apa yang dialami oleh subjek penelitian. Hasil. Berdasarkan hasil penelitian dapat dikemukakan bahwa praktik gadai tanah yang digadaikan kembali yang dilakukan di Desa Sungai Tering atas sudah memenuhi rukun gadai. Akad yang dilakukan oleh rahin dan murtahin dalam perjanjian sudah sesuai dengan syariat Islam namun ada syarat yang tidak terpenuhi yaitu rahin menggadaikan kembali tanahnya tanpa izin dari murtahin mengingat syarat dari barang yang digadaikan adalah tidak terkait dengan hak orang lain, sedangkan dalam praktik ini terdapat hak dari murtahin yang pertama. Adapun mengenai praktik tanah gadai yang digadaikan kembali adalah tidak dibenarkan dalam hukum Islam. Karena penggadai (rahin) tidak memiliki izin dari (murtahin). Kesimpulan. Praktik gadai tanah di Desa Sungai Tering Kecamatan Nipah sudah sesuai dengan syariat islam, terdapat aspek yang tidak sesuai syariat islam yaitu ketika rahin (penggadai) menggadaikan kembali tanah kebun/barang jaminan kepada orang lain.
Strategi Peningkatan Daya Saing Saham dan Obligasi Syariah dalam Menghadapi Masa Pandemi dengan Metode SWOT
Aditya Bimantara;
Ummi Ainun Nadhiroh;
Erlina Komaruljannah
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 (178.163 KB)
|
DOI: 10.29040/jiei.v7i3.3614
The COVID-19 outbreak has had an impact on various aspects throughout the world, especially in the economic field. The decline in state income and the threat of financial stability for both corporations and households continue to trigger an increase in the poverty rate in Indonesia. Regardless of the government's efforts, the public has changed their financial management style to invest in the Islamic capital market. This research aims to analyze strategies to increase the competitiveness of several Islamic capital market instruments, namely Islamic stocks and bonds (sukuk) during the pandemic. The main problem answered in this research is how Islamic stocks and bonds (sukuk) are able to increase the competitiveness of the Islamic capital market in Indonesia. The method used in this research is SWOT analysis with qualitative data types obtained from secondary data sources. This research concludes that the main strategy is to increase the marketing and socialization of Sharia investment products to the public, as well as add sharia securities and instrument development programs to expand the Sharia product mix in accordance with the applicable legal basis. Therefore, the strategy obtained is expected to be an input for Islamic stock and bond companies and other relevant stakeholders.
Determinants of Capital Adequacy Ratio Through Size, Liquidity, Credit Risk and Operational Efficiency in Sharia Commercial Banks in Indonesia
Havid Risyanto
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 (326.367 KB)
|
DOI: 10.29040/jiei.v7i3.2668
This research aims to determine whether the variable Size, Liquidity, Credit Risk, Operational Efficiency is a determinant of the Capital Adequacy Ratio in Islamic Commercial Banks in Indonesia using Panel Data Regression Analysis and Fixed Effect Model as the best model. The results obtained in this research indicate that the variables Size, Liquidity, Credit Risk, and Operational Efficiency simultaneously have a positive and significant effect on the Capital Adequacy Ratio in Islamic Commercial Banks for the 2016-2019 Period. While partially the results obtained that the variables Size, Liquidity, and Credit Risk do not have a significant effect and have a positive relationship to the Capital Adequacy Ratio. While the Operational Efficiency variable has a significant influence and has a negative relationship with the Capital Adequacy Ratio in Islamic Commercial Banks for the 2016-2019 Period. And in this research shows the ability of the independent variable in explaining the dependent variable is 80.9218%.