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Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Walisongo Semarang
ISSN : 20859325     EISSN : -     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
EEconomica: Jurnal Ekonomi Islam is a scientific journal in the field of Islamic economics studies published twice a year by the Institute of Islamic Economic Research and Development (LP2EI), Faculty of Islamic Economics and Business UIN Walisongo Semarang. The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Islamic Economics themes which cover Islamic Finance, Islamic Banking, Islamic Accounting, Islamic Marketing, also Behavioral Economics, Management, and Human Resources in Islamic perspective.
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Articles 16 Documents
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Search results for , issue "Vol 11, No 1 (2020)" : 16 Documents clear
The Effectiveness of Bank Aceh Syariah Conversion Decisions Zulfikar Bagus Pambuko; Diesyana Ajeng Pramesti
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.3494

Abstract

Abstract: Since 2008, Indonesia has had a particular policy for Islamic windows to spin off into full-fledged Islamic banks separate from their conventional parent if they meet the criteria. In the case of Bank Aceh Syariah, since Q3 2016, the spin-off has been done through a conversion mechanism from Bank Aceh to Bank Aceh Syariah. The study aims to analyze the effectiveness of conversion decisions in Bank Aceh Syariah. Non-parametric test with the Wilcoxon signed-rank is used to analyze the banking performance due to the conversion. The performance indicators tested in the study are capital adequacy, liquidity risk, profitability, and management efficiency over Q2 2014 until Q3 2018. The results suggest that the conversion decision of Bank Aceh Syariah is effective in correcting the non-performing financing (NPF) ratio but declining the level of profitability through ROA, ROE, and NOM ratio. Thus, the spin-off decision through the conversion mechanism needs to forecast the future financial performance and the effort to fulfill sharia compliance.Abstrak: Sejak 2008, Indonesia memiliki kebijakan khusus bagi perbankan syariah yang mewajibkan UUS untuk melakukan spin-off menjadi BUS yang terpisah dari bank konvensional induknya jika telah memenuhi kriteria. Pada kasus Bank Aceh Syariah, sejak kuartal III 2016 telah dilakukan spin-off melalui mekanisme konversi dari Bank Aceh menjadi Bank Aceh Syariah. Tujuan penelitian ini adalah untuk menganalisis efektivitas keputusan konversi Bank Aceh Syariah. Pengujian non parametrik dengan uji Wilcoxon digunakan untuk menganalisis kinerja keuangan akibat konversi. Indikator kinerja yang diuji dalam studi ini adalah permodalan, risiko likuiditas, profitabilitas, dan efisiensi manajemen pada periode Q2 2014 hingga Q3 2018. Hasil penelitian ini menunjukkan bahwa keputusan konversi Bank Aceh Syariah efektif dalam memperbaiki rasio pembiayaan bermasalah (NPF), namun menurunkan tingkat profitabilitas melalui ROA, ROE, dan NOM. Dengan demikian, keputusan spin-off melalui konversi perlu mempertimbangkan capaian kinerja keuangan di masa mendatang, selain sebagai upaya pemenuhan kepatuhan terhadap syariah.
Community-Based Halal Tourism Village: Insight from Setanggor Village Hendri Hermawan Adinugraha; Razie Bin Nasarruddin; Ahmad Rofiq; Ahmad Hasan Asy’ari Ulama’i; Ade Yusuf Mujaddid; Mila Sartika
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.6819

Abstract

Abstract: This research aims to describe the development model of Setanggor halal tourism village. This research uses qualitative research methods with a descriptive approach. The results showed that halal tourism in Setanggor village was developed through active community participation with the village government through a tourism village model based on community and halal values. The development of halal tourism villages in Setanggor is not able to be separated from religious values. As a result, Community-Based Halal Tourism in Setanggor village combines community-based tourism and halal-based tourism that will eventually serve as a model for community-based halal tourism. The growth of the halal tourism sector in Setanggor village has also provided positive benefits for enhancing the local community's well-being. In addition to the community's active role, the legality of the Setanggor halal tourism village is also supported by the local government of NTB and the Indonesian Council of Ulama.Abstrak: Penelitian ini bertujuan untuk mendeskripsikan model pengembangan desa wisata halal Setanggor. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Hasil penelitian menunjukkan bahwa wisata halal di Desa Setanggor dikembangkan melalui partisipasi aktif masyarakat dengan pemerintah desa melalui model “Desa Wisata Halal Berbasis Masyarakat”. Pengembangan desa wisata halal di Setanggor tidak lepas dari nilai-nilai religi. Oleh karena itu, CBT di desa Setanggor yang merupakan gabungan antara pariwisata berbasis komunitas dengan pariwisata berbasis halal pada akhirnya menjadi role model bagi wisata halal berbasis komunitas. Pertumbuhan sektor wisata halal di desa Setanggor juga memberikan manfaat positif bagi peningkatan kesejahteraan masyarakat setempat. Selain peran aktif masyarakat, legalitas desa wisata halal Setanggor juga didukung oleh pemerintah daerah NTB dan Majelis Ulama Indonesia.
The Competitiveness of Indonesian Halal Food Exports in Global Market Competition Industry Nikmatul Masruroh
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.3709

Abstract

Abstract: Indonesia's position in the global competition for the halal food industry is not yet at the top competitive position. However, there is a significant change in the position of the competitiveness. The change can be seen from the Global Islamic Economy Indicator report for 2020/2021, which positions Indonesia at number 4 (fourth) in the halal food industry. Previously, Indonesia had never been in the top 10 positions. Since Indonesia is the first country ranked in halal consumption, the new ranking position is an achievement. The high competitiveness position during the COVID-19 pandemic also becomes an obstacle to make Indonesia a World Halal Center in 2024. This study aims to discuss an in-depth analysis of the implementation of halal value chain policies in Indonesia and the impact of implementing these policies on the export competitiveness of the Indonesian halal food industry. This study used a qualitative approach with a phenomenological type through data collection by interviewing export business actors in the halal food industry. The experiences of some informants are the key to answers the objectives of this study. This research produces the first halal value chain policy stated in the Halal Product Guarantee Law No. 33 of 2014, which requires all food entrepreneurs to carry out halal certification. The halal value chain in Indonesia applies the principle of traceability which makes Indonesian halal food products competitive. The second application of the principle of traceability is different from other countries, making halal food products produced by Indonesia acceptable to importing countries, especially OIC countries.Abstrak: Posisi Indonesia dalam persaingan global industri makanan halal belum berada pada posisi kompetitif teratas. Namun, ada perubahan signifikan dalam posisi daya saing. Perubahan tersebut terlihat dari laporan Global Islamic Economy Indicator 2020/2021 yang menempatkan Indonesia pada peringkat 4 (empat) dalam industri makanan halal. Sebelumnya, Indonesia belum pernah berada di posisi 10 besar. Karena Indonesia adalah negara pertama yang menempati peringkat pertama dalam konsumsi halal, posisi peringkat baru tersebut merupakan sebuah pencapaian. Posisi daya saing yang tinggi di masa pandemi COVID-19 juga menjadi kendala untuk menjadikan Indonesia sebagai World Halal Center pada tahun 2024. kebijakan daya saing ekspor industri makanan halal Indonesia. Penelitian ini menggunakan pendekatan kualitatif dengan tipe fenomenologis melalui pengumpulan data dengan mewawancarai pelaku usaha ekspor pada industri makanan halal. Pengalaman beberapa informan menjadi kunci untuk menjawab tujuan penelitian ini. Penelitian ini menghasilkan kebijakan rantai nilai halal pertama yang tertuang dalam Undang-Undang Jaminan Produk Halal Nomor 33 Tahun 2014, yang mewajibkan semua pengusaha makanan untuk melakukan sertifikasi halal. Rantai nilai halal di Indonesia menerapkan prinsip ketertelusuran yang membuat produk makanan halal Indonesia berdaya saing. Penerapan kedua prinsip ketertelusuran berbeda dengan negara lain, menjadikan produk pangan halal produksi Indonesia dapat diterima oleh negara pengimpor khususnya negara OKI.
Views of Students on Islamic Financial Technology: A Study on State Universities in Bandung Egi Arvian Firmansyah; Umar Ibrahim Manaf
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.3531

Abstract

Abstract: Fintech has developed into a new paradigm with great potential worldwide, including in Indonesia. Angsur is one of the Islamic fintech firms with university students as its target market. This study uses primary data obtained through a questionnaire disseminated to 316 undergraduate economics and business students at three state universities in Bandung. We selected Bandung as it is also known as an educational city with many well-known universities. This study uses the Mann-Whitney test to identify the mean difference in knowledge of Islamic fintech products and Angsur brand awareness of students based on age, gender, university, and monthly expenses. In addition, we use multiple linear regression to investigate the influence of demographic factors on Islamic fintech product knowledge and Angsur brand awareness. The result of this study shows that only university origin has a significant difference in Angsur brand awareness. Demographic factors do not affect respondents’ knowledge about Islamic fintech products and Angsur brand awareness. Besides, the knowledge about Islamic fintech products and Angsur brand awareness is still relatively low. Materials or courses about Islamic fintech are not available in the academic syllabus of the respondents. Thus, to improve the Islamic financial literacy of university students, it is necessary to add Islamic economic materials to the curriculum at the university level.Abstrak: Fintech telah tumbuh dan berkembang menjadi paradigma baru dengan potensi yang besar di seluruh dunia, termasuk di Indonesia. Angsur merupakan salah satu perusahaan fintech Syariah dengan target pasar mahasiswa. Penelitian ini menggunakan data primer yang didapat melalui kuesioner terhadap 316 mahasiswa sarjana di fakultas ekonomi dan bisnis di tiga perguruan tinggi negeri di Kota Bandung. Kota Bandung juga dikenal salah satunya sebagai kota pendidikan dan banyak perguruan tinggi negeri ternama. Penelitian ini menggunakan statistik deskriptif untuk melihat tingkat pengetahuan produk fintech Syariah dan kesadaran merek Angsur mahasiswa dan opini mahasiswa terhadap materi fintech Syariah dalam silabus perkuliahan. Penelitian ini menggunakan uji Mann-Whitney untuk melihat perbedaan rata-rata pengetahuan produk fintech Syariah dan kesadaran merek Angsur mahasiswa berdasarkan usia, jenis kelamin, asal universitas, dan pengeluaran per bulan. Kami menggunakan regresi linear berganda untuk melihat pengaruh faktor demografis terhadap pengetahuan produk fintech Syariah dan kesadaran merek Angsur mahasiswa. Hasil penelitian menunjukkan bahwa hanya asal universitas yang memiliki perbedaan yang signifikan terhadap kesadaran merek Angsur. Faktor demografis tidak berpengaruh terhadap pengetahuan produk fintech Syariah dan kesadaran merek Angsur mahasiswa. Tingkat pengetahuan produk fintech Syariah dan kesadaran terhadap merek Angsur masih rendah, dan pelajaran tentang fintech Syariah tidak terdapat dalam silabus akademik perkuliahan. Sehingga, untuk meningkatkan literasi keuangan Syariah para mahasiswa, diperlukan edukasi dan penambahkan materi ekonomi Syariah dalam kurikulum di berbagai perguruan tinggi.
Analyzing The Macroeconomic and Fundamental Determinants of Non-Performing Financing of Bank Muamalat Indonesia Pungky Lela Saputri; Ratno Agriyanto; Mujiyono Abdillah
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.4346

Abstract

Abstract: This study analyzes the macroeconomic and fundamentals of Islamic banking factors towards the non-performing financing (NPF) of Bank Muamalat Indonesia in the long run and short-run period 2005-2018. The data used in this study are quarterly time-series data of Bank Muamalat Indonesia Financial Report as the source of fundamentals of Islamic banking data and Bank Indonesia Monetary Policy Review as the source of macroeconomic data period 2005 - 2018. The analytical method used is the Error Correction Model (ECM). This study shows that in the long run, inflation, central bank (Bank Indonesia/BI) Rate, and capital adequacy ratio (CAR) significantly affect the NPF; meanwhile, the financing to deposit (FDR) ratio does not affect NPF. In the short term context, only CAR has a significant effect, yet inflation, BI Rate, and FDR have no significant impact on NPF. Thus, the novelty can present the result of analysis of factors that affect NPF in the long run and short run. The limitation of the study is the use of time-series data that are very likely to spurious regression.Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh faktor makroekonomi dan fundamental perbankan syariah terhadap NPF Bank Muamalat Indonesia dalam jangka panjang dan jangka pendek periode 2005-2018. Data yang digunakan dalam penelitian ini yaitu data runtun waktu Laporan Keuangan Triwulan Bank Muamalat Indonesia sebagai sumber data fundamental perbankan syariah dan Tinjauan Kebijakan Moneter Bank Indonesia sebagai sumber data makroekonomi periode 2005 – 2018. Faktor makroekonomi diwujudkan dalam variabel Inflasi dan BI Rate. Faktor fundamental perbankan syariah diwujudkan dalam variabel CAR dan FDR. Alat analisis yang digunakan yaitu Error Correction Model (ECM). Hasil analisis menunjukkan dalam jangka panjang Inflasi, BI Rate, dan CAR dengan nilai signifikansi 0.0026, 0.0001, dan 0.0032 berpengaruh signifikan dan FDR dengan nilai signifikansi 0.6940 tidak berpengaruh signifikan terhadap NPF. Dalam jangka pendek hanya CAR dengan nilai signifikansi 0.0056 yang berpengaruh signifikan sedangkan Inflasi, BI Rate, dan FDR dengan nilai signifikansi 0.0666, 0.9532, and 0.2065 berpengaruh tidak signifikan terhadap NPF. Kebaharuan penelitian ini yaitu penelitian ini mampu menyajikan hasil analisis faktor-faktor yang mempengaruhi NPF dalam jangka panjang dan jangka pendek. Meski begitu, terdapat juga limitasi pada penelitian ini yaitu penggunaan data time series yang rawan terkena regresi lancung.
Term - Deposit Waqf Linked Isthisna (TDWLI): Proposed Models, Accounting Aspects, and Risk Management Analysis Yaser Taufik Syamlan; Sakinah Sakinah; Mursalmina Mursalmina; Asfa Asfiah
Economica: Jurnal Ekonomi Islam Vol 11, No 1 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.1.4410

Abstract

Abstract: Islamic banking (further referred to as the Bank) faces two significant problems: excessive concentration in Murabaha financing contracts and high cost of funds. These two classic problems directly impact the development of the Bank and give rise to the stigma of a less innovative and unprofitable industry. This research aims to make a new product breakthrough that can help stakeholders overcome the two problems above. Term Deposit Waqf Linked Isthisna (TDWLI) has 4 variants: TDWLI Perpetual Principal, TDWLI Perpetual Principal + Profit Sharing, TDWLI Periodic Principal, TDWLI Periodic Principal, and + Profit Sharing. The TDWLI Periodic Principal is the variant that is most ready to be applied because, in accounting terms, it has been regulated in PSAK 112. In general, this TDWLI product will provide several advantages for banks to reduce the cost of funds (especially in the main variant of Waqf only). It will increase Isthisna financing, referring to OJK data in 2019, only 0.3% of total financing. In terms of accounting treatment, PSAK 112 must be adjusted especially if the Bank will release a Perpetual-based product variant. The main problem with perpetual-based products is the uncommon features. In perpetual, cash waqf cannot be withdrawn or, in other words, eternal. This research recommends that OJK is expected to study this product more deeply to develop healthy and innovative Islamic banking.Abstrak: Perbankan syariah (selanjutnya disebut Bank) saat ini sedang menghadapi 2 masalah besar yaitu konsentrasi berlebihan di akad pembiayaan Murabaha serta tingginya Cost of Fund. Kedua masalah klasik ini berdampak langsung kepada perkembangan Bank dan memunculkan stigma industry yang kurang inovatif dan tidak menguntungkan. Penelitian ini bertujuan untuk membuat terobosan produk baru yang dapat membantu stakeholders dalam mengatasi kedua masalah diatas. Produk Deposito Waqf Linked Isthisna (DWLI) dengan 4 varian nya baik itu DWLI Perpetual Pokok, DWLI Perpetual Pokok + Bagi Hasil, DWLI Periodic Pokok dan DWLI Periodic Pokok + Bagi Hasil. DWLI Periodic Pokok menjadi varian yang paling siap untuk diaplikasikan karena secara akuntansi sudah diatur dalam PSAK 112. Secara umum produk DWLI ini akan memberikan beberapa keuntungan bagi bank dalam rangka menurunkan cost of fund (terutama pada varian Wakaf pokok saja) serta akan menaikkan pembiayaan Isthisna yang merujuk kepada data OJK tahun 2019 hanya 0,3% dari total pembiayaan. Secara perlakuan akuntansi, PSAK 112 harus disesuaikan terutama apabila Bank akan merelaisasikan varian produk berbasis Perpetual. Permasalahan utama dari produk berbasis perpetual adalah ketidak umuman fitur dimana dalam perpetual, Wakaf uang tidak dapat ditarik atau dengan kata lain abadi. Rekomendasi dari penelitian ini adalah OJK diharapkan dapat mengkaji produk ini lebih dalam demi perkembangan perbank syariah yang sehat dan inovatif.Islamic banking (further referred to as the Bank) faces two significant problems: excessive concentration in Murabaha financing contracts and high cost of funds. These two classic problems directly impact the development of the Bank and give rise to the stigma of a less innovative and unprofitable industry. This research aims to make a new product breakthrough that can help stakeholders overcome the two problems above. Term Deposit Waqf Linked Isthisna (TDWLI) has 4 variants: TDWLI Perpetual Principal, TDWLI Perpetual Principal + Profit Sharing, TDWLI Periodic Principal, TDWLI Periodic Principal, and + Profit Sharing. The TDWLI Periodic Principal is the variant that is most ready to be applied because, in accounting terms, it has been regulated in PSAK 112. In general, this TDWLI product will provide several advantages for banks to reduce the cost of funds (especially in the main variant of Waqf only). It will increase Isthisna financing, referring to OJK data in 2019, only 0.3% of total financing. In terms of accounting treatment, PSAK 112 must be adjusted especially if the Bank will release a Perpetual-based product variant. The main problem with perpetual-based products is the uncommon features. In perpetual, cash waqf cannot be withdrawn or, in other words, eternal. This research recommends that OJK is expected to study this product more deeply to develop healthy and innovative Islamic banking

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