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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 2,313 Documents
The Effectiveness Of Sharia Micro-Enterprise Capital Financing On The Development Of Msmes In Indonesia Faizi Faizi; Sulthan Suci Yudhistira Sulthan Suci Yudhistira
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9698

Abstract

The existence of micro, small, and medium-sized enterprises (MSMEs) is an important factor in society’s progress. It also plays an important role in Indonesia’s economic recovery process. MSMEs play an important role in the Indonesian economy because of the large number of industries in each economic sector. The purpose of this study is to analyze and determine the effectiveness of business capital financing on MSMEs development in BMT Bina Ummat Sejahtera (BUS) Pondok Gede. Testing the effectiveness of Islamic financial institution financing is important for measuring the extent to which disbursed financing is effective. The research method used was descriptive qualitative, using a case study approach. Data collection techniques included observation, interviews, and documentation to managers and members/customers BMT Bina Ummat Sejahtera (BUS) Pondok Gede. The results of this study show that the business capital financing scheme was implemented by Fatwa DSN-MUI No.07/DSN-MUI/IV/2000 on Mudharabah financing. The effectiveness of business capital financing distribution is measured using five main indicators: accuracy of targets, achievement of goals, program socialization, program monitoring, and financing procedures that have been running effectively and have a positive impact on the development of MSMEs assisted by BMT Bina Ummat Sejahtera (BUS) Pondok Gede.
Faktor-Faktor yang Mempengaruhi Minat Pengguna Platform Digital dalam Membayar ZIS pada Masyarakat (Studi pada Muzaki Kabupaten Sragen) Widodo, Novelia Dewi Widowati
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12389

Abstract

This study aims to determine the factors that influence the interest of Sragen Regency muzaki in paying ZIS through digital platform. In this study using a quantitative approach method, the type of data used is primary data obtained from respondents’ answers to questionnaires in the form of paper suveys and online surveys, while the data analysis techniques used in supporting this research use the IBM SPSS 26 programme. Respondents in this study were muzaki who had made transactions using digital platform in paying ZIS. The findings in this study indicate that partially literacy, religiosity, and convenience factors have a significant effect, while partially trust and security factors do not have a significant effect. However, simultaneously the factors of literacy, religiosity, trust, convenience and security togerther have an influence on the interest of Sragen Regency muzaki in paying ZIS through digital platform. The implication of this research in the development of science is to contribute literature regarding the factors that influence the interest of Sragen Regency muzaki in channeling ZIS through digital platform. In addition, the results of this study can be used as a reference for web creators who have digital platform to channel ZIS so that their security is further enhance so that users trust and want to channel their funds online.
Pemanfaatan Informasi Dan Teknologi Dalam Implementasi Manajemen Pengendalian Risiko Likuiditas Di Bmt Ugt Nusantara Sholeh Wafie; Segaf Segaf
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9481

Abstract

Some of the common issues and constraints faced by sharia cooperatives today concern the management of risk management, including liquidity risk. This risk is prone to occur in many sharia cooperatives, the majority is due to the simplicity of the information and technology (IT) systems they have. As a result, a commotion arose from the members because they had lost trust because the Cooperative could not fulfill its obligations to members when withdrawing their deposits. This is due to weak liquidity, and a weak supervisory and control system from managers regarding liquidity needs and time deposits or general term savings that are due. In fact, this function can be replaced by an increase in the latest Information and Technology systems. The use of technology has a very significant role in controlling liquidity risk. This study analyzes the use of information and technology in managing liquidity risk control in the BMT UGT Nusantara Cooperative. The methodological approach used is descriptive qualitative analysis. The results of the study show that the improvement of information and technology systems has a very important role in anticipating the occurrence of liquidity weaknesses.
Analisis Kebijakan Restructuring, Reconditioning, Dan Rescheduling Dalam Penyelesaian Pembiayaan Bermasalah Bank Syariah Indonesia diana, ledi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.12581

Abstract

Penelitian ini bertujuan untuk mengetahui faktor-faktor, kendala serta penerapan kebijakan penyebab restructuring, reconditioning, rescheduling dalam penyelesaian pembiayaan bermasalah di Bank Syariah Indonesia Kantor Cabang Pembantu Muara Bulian. Penelitian ini menggunakan metode kualitatif melalui observasi, wawancara dan dokumentasi. Hasil penelitian ini menunjukkan bahwa: 1) Faktor penyebab pembiayaan masalah di Kantor Bank Syariah Indonesia KCP Muara Bulian, cukup banyak yaitu: a) Faktor dari nasabah (seperti menurunnya usaha dan manajemen keuangan); b) Faktor dari Bank (seperti kesalahan analisa usaha, maintenance nasabah yang kurang tepat, dan pembiayaan yang salah); c) Faktor dari luar (seperti kebijakan pemerintah dan peristiwa atau tragedi bencana alam); 2) Penerapan kebijakan Restructuring, Reconditioning, Rescheduling dalam penyelesaian pembiayaan bermasalah di Bank Syariah Indonesia Kantor Cabang Pembantu Muara Bulian, antara lain melalui a) Penagihan; b) 3R (Restructuring, Reconditioning, Rescheduling); c) Lelang Hak Tanggungan; 3) Kendala pelaksanaan kebijakan dalam penyelesaian pembiayaan bermasalah di Bank Syariah Indonesia Kantor Cabang Pembantu Muara Bulian antara lain: a) pihak nasabah sulit sekali menyelasaikan administrasinya sesuai dengan waktu yang telah ditentukan; b) debitur mampu memenuhi kewajiban, namun sengaja tidak menyelesaikan dan terkesan lari dari masalah; c) keterlambatan pembayaran terjadi karena kesalahan administratif atau karena nasabah lupa untuk melakukan pembayaran tepat waktu; d) Nasabah tidak sepenuhnya memahami kapan dan bagaimana harus membayar kredit; e) gangguan dalam transaksi perbankan elektronik dapat menyebabkan keterlambatan pembayaran; f) Terjadinya peristiwa tidak terduga di kehidupan nasabah.
Perspektif Ekonomi Islam tentang Masyarakat Kesejahteraan dan Keadilan Hilmiatus Sahla; Muhammad Yasir Nasution; sugianto sugianto
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10500

Abstract

This study aims to determine the concept of society from the perspective of Islamic Economics. The research method used is descriptive qualitative, with secondary data sources obtained from books and journal articles. The results of this study explain that the concept of community was built sby Rasulullah SAW when he was in Medina with the concept of the ummah, which was recorded in the Medina charter. Some of the characteristics are the characteristics of the aspired society (civil society). These characteristics are a democratic society that upholds and highly respects human rights, a society with a high commitment to upholding the law, and a professional society. The axiological aspect of Islamic economics on the concept of society, namely Islamic economics, explains that every activity in society is based on devotion to Allah SWT. By prospering the earth, then in the economy, Muslims must prioritize harmony and preservation of nature. The orientation of happiness in Islam is happiness in this world and the hereafter
Model Penghimpunan Dana Zakat Infak Sedekah Yang Efektif Dan Efisien Di Era Digital Rusman, Rusman; Amrizal, Amrizal
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11430

Abstract

Baitul Maal Hidayatullah (BMH) is an institution that received permission to manage zakat infaq, alms, and humanitarian funds. In its management, BMH Kaltim Representatives are managed by appointed amil without special criteria. This study aims to analyze effective and efficient collection models in the digital era. Research is expected to provide knowledge about effective and efficient collection models in the digital era. This research is qualitative descriptive research with data analysis using NVIVO 12 PLUS. Based on the results of field findings, it is known that the collection model in BMH is a variety of models, this adjusts to the choice of people who pay infaq zakat and alms through BMH. Effective and efficient in the digital era in BMH can be seen from the acquisition of BMH which has increased with the lack of operations spent to achieve it.
Penguatan Industri Halal Melalui Women’s Entrepreneurship Pada Umkm Di Wilayah Pesisir Kota Bengkalis Misdawita Misdawita; Lapeti Sari; Bunga Chintia Utami
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10257

Abstract

The halal industry has a strategic role in improving the economy. The halal industry contributes USD 3.8 billion to Indonesia's Gross Domestic Product (GDP) annually. Bengkalis Regency is one of the regencies in Indonesia that has great potential for the development of the halal industry in coastal areas, moreover according to 2020 data from the Central Statistics Agency, Bengkalis Regency has 6,354 MSMEs which is the second largest in Riau Province. In Indonesia, women's entrepreneurship is a valuable contributor to the renewal and development of the domestic economy. According to a statistical report from the Central Bureau of Statistics, out of 2 million micro business units, 40.8% are controlled by women. This study uses a binary logistic regression model to determine what factors influence the decision of women entrepreneurs to obtain halal certificates. The results of this study found that ownership of halal certificates in MSME women entrepreneurs in Bengkalis Regency was influenced by age, number of children under five, average monthly income and interaction variables between type and length of business. While the factors of education, labor, length of business, human capital, and business performance do not significantly influence the ownership of halal certificates in MSMEs in Bengkalis Regency.
Analisis Efektivitas Pengelolaan Pendapatan Objek Wisata Sawah Pure Tanjung Morawa Deli Serdang Pertiwi, Tri Bagus; Juliati Nasution, Yenni Samri; Nurwani, Nurwani
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.15146

Abstract

This research aims to measure the effectiveness of income from the Punden Rejo Tanjung Morawa Deli Serdang rice fields tourist attraction, the type of research used is qualitative research with a descriptive approach. With data collection methods, namely interviews, documentation and observation. This research was conducted to see, assess and analyze the success of pure tourism destination revenue management in increasing regional income. Based on the results of the analysis of the effectiveness of the income of the Punden Rejo rice field tourist attraction, it is said to be less effective because in January it was 99.2%, based on the percentage criteria, the criteria are quite effective, while the percentage of effectiveness is most drastic in November, namely 71% based on the criteria in this percentage. then it is categorized as ineffective. If you look at the percentage in 2023, it is in the less effective category because it shows an average of 76.6%. This is because the number of visitors and income at the Punden Rejo rice field tourist attraction counter has decreased every month. This decrease is possible because there are still problems where human resources have not been maximized in supporting the development of rice field tourism in the village and have not been maximized in organizing financial management and marketing. . income from rice field tourism objects has decreased, thus affecting the effectiveness of tourism income. Promotion to the surrounding community also needs to be strengthened with digital marketing so that progress in managing rice field tourism can be maximized.
Analisis Bankir Syariah sebagai Nazir Wakaf Uang Pada Bank Syariah di Indonesia) Ishandawi, Ishandawi; Hakim, Atang Abdul; Muharni, Yusraini
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.11670

Abstract

Tujuan penelitian untuk mengkaji peluang perbankan syariah menjadi Nazir wakaf Uang Mengkaji keunggulan bankir syariah sebagai Nazir wakaf Uang. Objek penelitian adalah perbankan syariah di Indonesia, Metode Penelitian kualitatif, informan penelitian stakeholder perbankan syariah dengan kolektif data berupa wawancara dan data dokumentasi. Analisis data menggunakan deskriptif kualitatif. Penelitian menggunakan stakeholder theory dan agency Theory. Hasil penelitian membuktikan bankir perbankan syariah sangat berpeluang mengelola dana wakaf uang secara profesional sehingga dapat membentuk dana abadi dan merupakan sumber dana murah bagi perbankan syariah. Keuntungan Bankir syariah sebagai wakaf uang pertama dikelola oleh Lembaga profesional dan kredibel. Kedua Meningkatkan kepercayaan wakif untuk menyalurkan dana wakafnya. Ketiga Memiliki tingkat risiko rendah karena dikelola secara profesional dan akuntabel. Keempat Memberikan jaminan kepada maukuf alaih sebagai orang yang berhak menerima manfaat dari wakaf uang. Implikasi penelitian Sebagai inovasi produk baru menghimpun dana Masyarakat dalam bentuk dana abadi dan sumber dana murah sehingga memberikan keuntungan ganda bagi perbankan syariah produk penghimpunan dana abadi dan murah ini tidak dimiliki oleh perbankan konvensional. Limitasi penelitian ini, terkendala dengan regulasi sehingga bankir syariah belum dapat menjalankan fungsi nazir wakaf uang, sehingga dihimbau kepada stakeholder dapat seperti Otoritas jasa Keuangan, Badan wakaf Indonesia dan praktisi perbankan untuk mendorong regulasi menjadikan bankir syariah sebagai nazir wakaf uang. Keywords: Nazir wakaf uang, Bankir Syariah, Teori stakeholder dan teori agensi
Analisis Perbandingan Proyeksi Kinerja Reksadana Syariah dan Konvensional Era Postcovid Berdasarkan Nilai Aktiva Bersih Arif Rijal Anshori; Ira Siti Rohmah Maulida; Neng Dewi Himayasari
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI : Vol. 8, No. 2, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4889

Abstract

At this time pandemic covid-19 is depressing the position of the financial market and banking sector. But, this is different from non-bank financial institutions, namely mutual funds, which have increased both sharia and conventional. The purpose of this study is to examine how the projections of the financial performance of Islamic and conventional mutual funds for the next 6 years. The method used is quantitative with a descriptive approach, data processing is done by projection analysis using excel. The results of this study are 1) The performance of Islamic mutual funds during the early post-covid era has decreased, while conventional mutual funds have increased every year, including in the early post-covid era. 2) Projected performance of Islamic mutual funds based on net asset value (NAV) in the post-covid era for the next 6 years will continue to increase by reaching the highest point in 2027 of 102,054.28, while conventional mutual funds will experience a decline in year 2 of the post-covid era with projected net asset value amounted to 651,214.34 and in the 3rd to 6th year it will continue to increase

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