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Jurnal Perspektif Ekonomi Darussalam
Published by Universitas Syiah Kuala
ISSN : 25026976     EISSN : 25806297     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Perspektif Ekonomi Darussalam (JPED) is a biannual peer-reviewed scientific journal of Islamic Economics published by Islamic Economics Department, Faculty of Economics and Business, Syiah Kuala University, Banda Aceh. JPED has jointly cooperated with Indonesian Council of Islamic Economic Experts (IAEI), Indonesia since 2015. JPED invites researchers, reviewers, practitioners, industries and economic observers to submit their scientific articles for publication. The manuscript of the article can be written both in Indonesian language and English.
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Articles 117 Documents
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MENINGKATKAN PEREKONOMIAN MASYARAKAT EKONOMI SYARIAH (MES) MELALUI SISTEM “MAPARO” DI ERA 4.0 Muallifatur Rosidah; Hisam Ahyani; Naeli Mutmainah; Memet Slamet
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 7, No 2 (2021): Jurnal Perspektif Ekonomi Darussalam (in pressing)
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v7i2.21459

Abstract

The Maparo system in business that exists in Goat Farming which can improve the Community Economy, especially the Muslim Community (Sharia Economic Community) in Sadabumi Village, Majenang District, Cilacap Regency, uses a cooperative transaction namely "mudharabah" the local term is a maparo contract. Maparo contract/transaction itself is defined as a business system in the field of animal husbandry, where producers/breeders who do business are carried out together with the owners of capital. The investment is with the product in the form of goats, then this goat product when it is worth selling (adult) then the proceeds from the product sold will be divided with the owner of the capital (profit sharing). This research was conducted in Sadabumi Village, Majenang, Cilacap. Where researchers go directly to the field to research, then the results of the research are in the form of descriptions in the field. Data collection techniques in this research are observation and interview techniques and documentation. The results of the study prove that in business through the maparo system, business is entered with the mudharabah-muqayyadah system. In the "Maparo" system in this business, the producers and buyers are not only used as a business, but the purpose of this Maparo in addition to business is to establish a relationship of friendship (brotherhood) between fellow Muslims which in the 4.0 era (disruption as it is today, the Community The Islamic economy in Indonesia can take advantage of a system that has been integrated with the local customary culture of the local area through an investment model for those who have capital, besides this maparo system can be used as an "additional job" in terms of income (income) by product keeper/manager in the form of animals this goat livestock. The Maparo business system is also one of the business development systems for capital owners. The mudharabah muqayyadah contract in the Maparo system is a manifestation of the principles in sharia business, this is because the purpose of capital in this business is al-Ta'awun ( help), fairness in profit-sharing transactions, and the principle of risk sharing in losses that occur during the business that has been established.Sistem Maparo dalam bisnis yang ada pada Peternakan Kambing yang dapat mningkatkan Ekonomi Masyarakat, khusunya Maysarakat muslim (Masyarakat Ekonomi Syariah) yang ada di Desa Sadabumi Kecamatan Majenang Kabupaten Cilacap, menggunakan transaksi kerjasama yakni “mudharabah” istilah lokalnya adalah akad maparo. Akad/transaksi maparo sendiri diartikan sebagai sistem bisnis dalam bidang peternakan, dimana para produsen/peternak yang melakukan bisnis dilakukan bersama-sama dengan pihak pemilik modal. Investasinya adalah dengan produknya yakni berupa kambing, selanjutnya produk kambing ini ketika sudah layak jual (dewasa) kemudian hasil dari produk yang dijual ini akan dibagi dengan pihak si pemilik modal (bagi hasil). Penelitian ini dilakukan di Desa Sadabumi, Majenang, Cilacap. Dimana peneliti terjun langsung kelapangan untuk meneliti, kemudian hasil penelitian berupa pendeskripsian yang ada di lapangan. Teknik pengumpulan data dalam riset kali ini yakni teknik observasi dan Wawiencara serta dokumentasi.  Hasil Penelitian membuktikan bahwa dalam bisnis melalui sistem maparo ini masuk bisnis dengan sistem mudharabah-muqayyadah. Dalam sistem “Maparo” dalam bisnis ini para pihak produsen dan pembeli tidak hanya dijadikan sebuah bisnis semata, melainkan tujuan Maparo ini selain untuk bisnis adalah untuk menjalin hubungan silaturrahmi (persaudaraan) antar sesama muslim yang mana di era 4.0 (disrupsi seperti sekarang ini, Masyarakat Ekonomi Syariah di Indonesia dapat memanfaatkan sistemyang sudah terintegrasi dengan budaya adat lokal wilayah setempat melalui model investasi bagi pihak yang memiliki modal, selain itu sistem maparo ini dapat dijadikan sebagai “pekerjaan tambahan” dalam hal penghasilan (penghasilan) oleh pemelihara/pengelola produk yang berupa hewan ternak kambing ini. Sistem bisnis maparo  juga menjadi salah satu sistem pengembangan usaha bagi pemilik modal. Akad mudharabah muqayyadah dalam sistem maparo merupakan manivestasi dari prinsip-prinsip dalam bisnis syariah, hal ini dikarenakan tujuan dari permodalan dalam bisnis ini yakni al-Ta’awun (tolong-menolong), keadilan dalam transaksi bagi hasil,  dan prinsip berbagi resiko dalam kerugian yang terjadi selama bisnis yang telah terjali Abstract The Maparo system in business that exists in Goat Farming which can improve the Community Economy, especially the Muslim Community (Sharia Economic Community) in Sadabumi Village, Majenang District, Cilacap Regency, uses a cooperative transaction namely "mudharabah" the local term is a maparo contract. Maparo contract/transaction itself is defined as a business system in the field of animal husbandry, where producers/breeders who do business are carried out together with the owners of capital. The investment is with the product in the form of goats, then this goat product when it is worth selling (adult) then the proceeds from the product sold will be divided with the owner of the capital (profit sharing). This research was conducted in Sadabumi Village, Majenang, Cilacap. Where researchers go directly to the field to research, then the results of the research are in the form of descriptions in the field. Data collection techniques in this research are observation and interview techniques and documentation. The results of the study prove that in business through the maparo system, business is entered with the mudharabah-muqayyadah system. In the "Maparo" system in this business, the producers and buyers are not only used as a business, but the purpose of this Maparo in addition to business is to establish a relationship of friendship (brotherhood) between fellow Muslims which in the 4.0 era (disruption as it is today, the Community The Islamic economy in Indonesia can take advantage of a system that has been integrated with the local customary culture of the local area through an investment model for those who have capital, besides this maparo system can be used as an "additional job" in terms of income (income) by product keeper/manager in the form of animals this goat livestock. The Maparo business system is also one of the business development systems for capital owners. The mudharabah muqayyadah contract in the Maparo system is a manifestation of the principles in sharia business, this is because the purpose of capital in this business is al-Ta'awun ( help), fairness in profit-sharing transactions, and the principle of risk sharing in losses that occur during the business that has been established. Keywords: Maparo System, Sharia Economic Community, Era 4.0  Abstrak Sistem Maparo dalam bisnis yang ada pada Peternakan Kambing yang dapat mningkatkan Ekonomi Masyarakat, khusunya Maysarakat muslim (Masyarakat Ekonomi Syariah) yang ada di Desa Sadabumi Kecamatan Majenang Kabupaten Cilacap, menggunakan transaksi kerjasama yakni “mudharabah” istilah lokalnya adalah akad maparo. Akad/transaksi maparo sendiri diartikan sebagai sistem bisnis dalam bidang peternakan, dimana para produsen/peternak yang melakukan bisnis dilakukan bersama-sama dengan pihak pemilik modal. Investasinya adalah dengan produknya yakni berupa kambing, selanjutnya produk kambing ini ketika sudah layak jual (dewasa) kemudian hasil dari produk yang dijual ini akan dibagi dengan pihak si pemilik modal (bagi hasil). Penelitian ini dilakukan di Desa Sadabumi, Majenang, Cilacap. Dimana peneliti terjun langsung kelapangan untuk meneliti, kemudian hasil penelitian berupa pendeskripsian yang ada di lapangan. Teknik pengumpulan data dalam riset kali ini yakni teknik observasi dan Wawiencara serta dokumentasi.  Hasil Penelitian membuktikan bahwa dalam bisnis melalui sistem maparo ini masuk bisnis dengan sistem mudharabah-muqayyadah. Dalam sistem “Maparo” dalam bisnis ini para pihak produsen dan pembeli tidak hanya dijadikan sebuah bisnis semata, melainkan tujuan Maparo ini selain untuk bisnis adalah untuk menjalin hubungan silaturrahmi (persaudaraan) antar sesama muslim yang mana di era 4.0 (disrupsi seperti sekarang ini, Masyarakat Ekonomi Syariah di Indonesia dapat memanfaatkan sistemyang sudah terintegrasi dengan budaya adat lokal wilayah setempat melalui model investasi bagi pihak yang memiliki modal, selain itu sistem maparo ini dapat dijadikan sebagai “pekerjaan tambahan” dalam hal penghasilan (penghasilan) oleh pemelihara/pengelola produk yang berupa hewan ternak kambing ini. Sistem bisnis maparo  juga menjadi salah satu sistem pengembangan usaha bagi pemilik modal. Akad mudharabah muqayyadah dalam sistem maparo merupakan manivestasi dari prinsip-prinsip dalam bisnis syariah, hal ini dikarenakan tujuan dari permodalan dalam bisnis ini yakni al-Ta’awun (tolong-menolong), keadilan dalam transaksi bagi hasil,  dan prinsip berbagi resiko dalam kerugian yang terjadi selama bisnis yang telah terjali.  Kata Kunci : Sistem Maparo, Masyarakat Ekonomi Syariah, Era 4.0
ANALISIS PENGARUH ROA, ROE, DAN FDR TERHADAP KINERJA KEUANGAN CAR PADA BRI SYARIAH PERIODE 2019-2021 Aziz Arta Nugroho; Deny Yudiantoro
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 8, No 1 (2022): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v8i1.24633

Abstract

Penelitian ini dilakukan untuk menguji Return On Assets (ROA), Return On Equity (ROE), Financing to Deposit Ratio (FDR) terhadap kinerja keuangan di rasio permodalan Capital Adequacy Ratio (CAR) secara parsial dan simultan. Adapun Bank BRI Syariah disini sebagai objek penelitian dan sampel penelitian yang diolah dalam penelitian ini berdasarkan data sekunder yang diambil dari laporan bulanan telah dicapai pada tahun 2019-2021. Program SPSS 18 pada penelitian ini berfungsi sebagai salah satu program yang digunakan untuk menganalisis data, adapun beberapa tahapan yang dilakukan untuk analisis ini diantaranya adalah melakukan uji regresi linier berganda yang meliputi uji T dan Uji F yang termasuk dalam uji hipotesis.Dengan melihat pada variabel dan rumusan penelitian ini telah mendapatkan hasil berupa (1) Return On Assets (ROA), Return On Equity (ROE) dan Financing to Deposit Ratio (FDR) baik secara parsial maupun simultan memiliki pengaruh terhadap Capital Adequacy Ratio (CAR) . ) dengan persentase 46,5% variabel X mempengaruhi variabel Y. (2) Return On Equity (ROE) dan Financing to Deposit Ratio (FDR) memiliki pengaruh negatif terhadap Capital Adequacy Ratio (CAR) dimana jika nilai ROE dan FDR mengalami kenaikan maka nilai CAR akan mengalami penurunan atau bisa dibilang memiliki hubungan yang terbalik. (3) Return On Assets (ROA) berpengaruh positif terhadap Capital Adequacy Ratio (CAR) dimana nantinya nilai ROA menunjukkan nilai yang tinggi maka nilai CAR juga akan mengalami peningkatan. 
PANDEMI COVID-19 DAN PEREMPUAN SEBAGAI KEPALA RUMAH TANGGA DALAM KEMISKINAN URBAN DI BANDA ACEH Muhammad Sauqi; Cut Risya Varlitya; Muhammad Ilhamsyah Siregar
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 8, No 2 (2022): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v8i2.23283

Abstract

This study aims to analyze the comparison of urban poverty in Banda Aceh City in poor female-headed of households before and during the Covid-19 pandemic. This analysis uses a hypothesis-based qualitative method using the One Way Anova test and utilizes primary data obtained from the distribution of questionnaires, observations, and in-depth interviews with females as heads of poor households from 40 respondents. The results showed that most of the respondents of productive age were housewives and about 50 percent of the respondents only graduated from junior high school/equivalent, 93 percent had never attended training, 55 percent had no savings. Expenditure on respondents' basic needs decreased during Covid-19, namely, there was an expenditure of less than Rp300,000 per month which was above it before the outbreak occurred. Before the pandemic, there were no respondents who earned less than Rp350,000, but during the pandemic, 2.5 percent of respondents were found who earn less than Rp350,000 per month. Before the pandemic, 45 percent of respondents chose an average income ranging from Rp550,000 – Rp 1,500,000 per month, but this figure changed very significantly during the outbreak, namely the average income was only Rp450,000 – Rp550,000 per month, which is 50 percent of respondents. The One Way Anova test shows that there are differences in poor female-headed households spending before and during the Covid-19 pandemic.
PENGARUH NILAI TAKSIRAN, KUALITAS PELAYANAN DAN LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN NASABAH MENGGUNAKAN JASA GADAI DI KANTOR CABANG PEGADAIAN SYARIAH BLANG PIDIE Jaura Jaura; Suriani Suriani
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 8, No 1 (2022): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v8i1.23769

Abstract

The purpose of this study is to investigate the impact of estimated value, service quality, and Islamic financial literacy on customer decisions to use pawn services at the Blang Pidie Sharia Pawnshop Branch Office. The information in this study is derived from primary data collected through the distribution of questionnaires. The Slovin method was used to obtain a total sample of 97 respondents for this study using a purposeful sampling technique. The data is then analyzed using multiple linear regression methods. The findings revealed that the estimated value, quality of service, and Islamic financial literacy all had a simultaneous effect on customer decisions to use pawn services at the Sharia Pawnshop Blang Pidie Branch Office. Customers' decisions to use pawn services at the Branch Office of Blang Pidie Sharia Pawnshop are influenced positively by partially variable estimated value, quality of service, and Islamic financial literacy. Islamic financial literacy is the most influential variable. The implications are that Sharia pawnshops have a good opportunity in the world of Islamic finance, and it is expected that sharia pawnshops will be able to increase the estimated value, quality of service, and improve customer financial literacy, as well as foster a sense of public trust in Sharia pawnshops to conduct pawn transactions.
PERBANDINGAN LOYALITAS KONSUMEN DAN STRATEGI PEMASARAN ANTARA ILLOCAKE DAN ROCASTE DI KOTA BIMA Nandha Ramdani; Muhajirin Muhajirin
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 8, No 2 (2022): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v8i2.26295

Abstract

This study aims to determine the differences in consumer loyalty and marketing strategies between Illocake and Rocaste in Bima City. This research is a comparative study that uses quantitative data from primary data sources. The research instrument used a Likert scale questionnaire. The population used in this research is all Illocake and Rocaste consumers in Bima City in Bima City whose numbers are not known for certain (Unknown Population). The sample in this study were 60 respondents. The sampling technique in this study was carried out by accidental sampling, data collection techniques using observation, questionnaires and library studies with data analysis techniques using validity tests, reliability tests and different tests. The results showed that there was no difference in consumer loyalty but in the marketing strategy between Illocake and Rocaste there was a difference. Keywords : Consumer Loyalty, Marketing Strategies
MODEL PENGUKURAN PEMBERDAYAAN EKONOMI DAN SOSIAL OLEH LEMBAGA KEUANGAN MIKRO SYARIAH (LKMS): STUDI PADA NASABAH WANITA DI WILAYAH KABUPATEN ACEH BESAR Israk Ahmadsyah; Riza Aulia Azhary
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 8, No 2 (2022): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v8i2.28318

Abstract

Penelitian ini mengkaji dampak pembiayaan yang diberikan oleh Lembaga Keuangan Mikro Syariah (LKMS) di wilayah Aceh Besar terhadap peberdayaan perempuan baik secara ekonomi maupun sosial. Dampak ekonomi antara lain pendapatan, pengeluaran keluarga, konsumsi keluarga, tabungan dan gaji pekerja, manakala dampak sosial seperti pendidikan anak, kesehatan keluarga, hubungan kekerabatan, dan pelaksanaan nilai-nilai agama. Menggunakan analisa kuantitatif dengan pendekatan model linear berganda, dengan mengolah data primer dari hasil kuisioner berskala likert terhadap 103 responden wanita, yang tersebar di beberapa desa dan kecamatan di Kabupaten Aceh Besar, yang telah menajalankan/memiliki usaha minimal 1 tahun dan mengajukan pembiayaan ke LKMS. Dengan menggunakan alat uji statistik SPSS, penelitian ini mendapatkan tiga variabel secara signifikan mempengaruhi peningkatan pemberdayaan perempuan dengan adanya pembiayaan yaitu peningkatan pendapatan keluarga (p-value=0.010), peningkatan pada gaji karyawan (p-value=0.015), dan peningkatan pada kesehatan keluarga (p-value=0.006). Dari sisi dampak ekonomi dan sosial, pembiayaan yang diberikan oleh LKMS berdampak positif, terlihat dari naiknya pendapatan, konsumsi dan bertambahnya aset (dampak ekonomi), dan terbukanya akses pendidikan, kesehatan, hubungan yang harmonis dengan keluarga dan Tuhan (ibadah) dan juga pemberdayaan perempuan (dampak sosial). Dengan semakin bertambahnya wirausahawan perempuan, diharapkan LKMS mampu memfasilitasi mereka dengan pembiayaan mikro, agar kelangsungan usaha dapat dipastikan berjalan. Untuk peneliti selanjutnya, agar memperluas wilayah kajian ke seluruh Aceh, sehingga dapat memberikan analisis yang lebih baik dan lengkap.Kata Kunci: Pemberdayaan Perempuan, LKMS, Dampak Ekonomi dan Sosial
Analisis Upaya Pajak (Tax Effort) Kota Banda Aceh Studi Komperatif Ibukota Provinsi Di Pulau Sumatera Tahun 2015-2019 Ferry Setiawan
Jurnal Perspektif Ekonomi Darussalam (Darussalam Journal of Economic Perspec Vol 8, No 1 (2022): Jurnal Perspektif Ekonomi Darussalam
Publisher : Program Studi Ekonomi Islam, Fakultas Ekonomi dan Bisnis - Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jped.v8i1.26337

Abstract

The purpose of this study was to determine the Position of Regional Income of Banda Aceh City and analyze the collection effort by comparing it with the provincial capital on the island of Sumatra. This research is limited to an analysis of efforts to collect Regional Income, growth and the role of Regional Income in regional expenditures and the extent to which regional economic developments can encourage an increase in Regional Income in Banda Aceh City. The parameter used is the calculation of Regional Income effort by looking at the Regional Income performance index and the elasticity level of Regional Income, Share and Growth Regional Income, as well as mapping regional financial capabilities.The results of this study conclude that: Banda Aceh City's Regional Income effort is higher than the average for all provincial capitals in Sumatera, The role (share) of Regional Income on government spending in Banda Aceh City was an average of 20.31 percent, the average Regional Income growth of Banda Aceh City was 0.04 percent; the position of Banda Aceh City is in the fourth quadrant with share and growth percentages below the average for all districts/cities in Aceh Province.

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