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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 The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Islamic Economics themes which cover Islamic Finance, Islamic Banking, Islamic Accounting, Islamic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.
Arjuna Subject : -
Articles 366 Documents
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Comparing Credit Risk in Islamic and Conventional Banking Using Bank-Level Panel Data Akhmad Akbar Susamto; Danes Quirira Octavio; Dyah Titis Kusuma Wardani
Economica: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2020.11.2.5027

Abstract

Abstract: This paper investigates if there is a difference in the level of the credit risk of Islamic as compared to the level of credit risk of conventional banks. This paper further investigates the importance of various credit risk determinants and possible differences in how such determinants affect credit risk in Islamic and conventional banking industries. This paper employs dynamic panel regressions using system GMM estimators. The sample includes 11 Islamic and 95 conventional banks in Indonesia throughout 2003-2018. Based on the results, it is concluded that there is no difference in the level of the credit risk of Islamic as compared to that of conventional banks. It is also concluded that credit risk is significantly affected by current and lagged asset size, lagged financing, current profitability, lagged economic growth, and current inflation. The effect of lagged financing, current profitability, and lagged economic growth is different in Islamic and conventional banking.Abstrak: Makalah ini menganalisis apakah terdapat perbedaan antara tingkat risiko kredit pada perbankan syariah dan tingkat risiko kredit pada perbankan konvensional. Makalah ini selanjutnya juga menganalisis signifikansi faktor-faktor yang diduga mempengaruhi risiko kredit dan kemungkinan perbedaan pengaruh faktor-faktor tersebut terhadap risiko kredit pada perbankan syariah dibandingkan pada perbankan konvensional. Makalah ini menggunakan regresi panel dinamis dengan system generalized method of moments (GMM) estimator. Sampel dalam makalah ini mencakup 11 bank syariah dan 95 bank konvensional di Indonesia selama periode 2003-2018. Berdasarkan hasil analisis, dapat disimpulkan bahwa tidak terdapat perbedaan perbedaan antara tingkat risiko kredit pada perbankan syariah dan tingkat risiko kredit pada perbankan konvensional. Begitu pula, dapat disimpulkan bahwa risiko kredit secara signifikan dipengaruhi oleh ukuran aset tahun ini dan tahun lalu, pembiayaan tahun lalu, profitabilitas tahun ini, pertumbuhan ekonomi tahun lalu dan inflasi tahun ini. Pengaruh pembiayaan tahun lalu, profitabilitas tahun ini, dan pertumbuhan ekonomi tahun lalu, secara khusus berbeda pada perbankan syariah dibandingkan pada perbankan konvensional.
PERLINDUNGAN TERHADAP PASAR TRADISIONAL DI TENGAH EKSPANSI PASAR RITEL MODERN Afif Noor
Economica: Jurnal Ekonomi Islam Vol 4, No 2 (2013)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2013.4.2.782

Abstract

Modern retail market, especially in Central Java experiencing tremendous growth lately, based on the data, in 2004 the number reached 1,496 traditional markets, while the modern market amounted to 232. Different conditions occurred in 2008, the number of traditional market just reached 1,443 while the modern market reached 399. That means there is a negative growth in traditional markets. In 2010 the modern retail market growth reached 10.2% (1,852 outlets). This condition is one side has a positive effect because it means showing the high investment in the real sector, but on the other result in the more traditional markets entrapment, especially the modern retail market using the franchise system to begin operations 24 hours per day. Therefore, the protection of traditional markets as the center of economic activities of small and medium-sized enterprises should be done to ensure the sustainability of small and medium enterprises.
ANALISIS TINGKAT KESEHATAN PT. BANK BRISYARIAH PERIODE 2011-2014 DENGAN MENGGUNAKAN METODE CAMEL Ari Kristin Prasetyoningrum; Noor Ahmad Toyyib
Economica: Jurnal Ekonomi Islam Vol 7, No 2 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.2.1155

Abstract

The rapid development of banking as well as high levels of complexity influence the performance and increase the risk of a bank. Therefore, it is important for banks to maintain the trust because of activities related to public confidence. This study aims to determine the health level of PT. Bank BRISyariah in 2011-2014 by using CAMEL.This research used quantitative descriptive analysis aims to analyze the soundness of PT. Bank BRISyariah in 2011-2014 using the CAMEL factors include capital, asset quality, management, earnings and liquidity. Data used in this study a BRISyariah Annual Report 2011 to 2014 taken from www.brisyariah.co.id. and Quarterly Financial Report Bank BRISyariah published by Bank Indonesia was taken from www.bi.go.id.Based on the analysis of the Bank’s soundness BRISyariah using CAMEL ratio in 2011-2014 can be said that in general PT. Bank BRISyariah in conditions HEALTHY, the the first rank in the CAR, PPAP, ROA, NPM, and CR; The second rank in the KAP; BOPO ranked third; and LDR in the fourth.
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.
KONSEP JUAL BELI DALAM FATWA DSN-MUI Nur Fathoni
Economica: Jurnal Ekonomi Islam Vol 4, No 1 (2013)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2013.4.1.773

Abstract

There are several fatwas issued about buying and selling is not sequentially and respectively describes their own subject matter. As a result of modern Islamic legal thought, DSN-MUI fatwa interesting to study inductively to find a linkage study of classical fiqh with the provisions of the banking system and mechanism in these fatwas . The problems studied in this paper is the concept of buying and selling in the DSN-MUI fatwa is How it relates to the system of fiqh and Shari'ah banking mechanism in DSN-MUI fatwa? This study is the research literature by using a qualitative approach.The study found a link between the data and the system of fiqh with the provisions of Shari'ah banking mechanism DSN-MUI fatwa about buying and selling. The concept of buying and selling in the DSN-MUI fatwa designed to avoid gharar, riba by changing procedures and financing dhalim be based iwadh item form, not a loan (qardh), set the selling price as the final price that can not be combined with any cause, but can reduced on the basis of LKS policy. Late fee of rich clie not being able to shariah bank. In buying and selling foreign exchange should require cash, as opposed to buying and selling goods that is designed to delay installments. The results of the Islamic legal thought DSN-MUI fatwa about buying and selling successfully avoid formalistic forms of riba, gharar and dhalim, but have not managed to uphold the moral essence in buying and selling. Morality and law are still separate in their each areas.
KONSEP RIBA DALAM AL-QUR’AN Abdul Ghofur
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1030

Abstract

Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.
Indikator Kesejahteraan Petani melalui Nilai Tukar Petani (NTP) dan Pembiayaan Syariah sebagai Solusi Cut Muftia Keumala; Zamzami Zainuddin
Economica: Jurnal Ekonomi Islam Vol 9, No 1 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2018.9.1.2108

Abstract

As an agricultural country, attention to the welfare of farmers in Indonesia is considered very strategic. One of the measuring tools for farmers’ welfare that is used today is Farmer’s Exchange Rate (FER). This study aims to examine and explore some of the problems with the exchange rate experienced by farmers, including; Farmer’s Exchange Rate (FER) in identifying the welfare of farmers, determining the increase and decrease of Farmer Exchange Rate (FER) in Indonesia; and the potential of Islamic financing in providing solutions for the welfare of farmers. The results show that the increase in FER is not always good. Determination of the increase and decrease rice farmers’ exchange rates are productivity, grain prices, prices of consumer goods, and prices of fertilizers, the exchange rate of farmers on food and nonfood consumption, and production costs. Shariah schemes can be used as a new alternative to help the interest-free and profit-sharing agricultural sector.Sebagai negara agraris perhatian terhadap kesejahteraan petani di Indonesia dinilai sangat strategis. Salah satu alat ukur kesejahteraan petani yang digunakan saat ini adalah Nilai Tukar Petani (NTP). Penelitian ini bertujuan untuk mengkaji dan menggali beberapa permasalahan terhadap nilai tukar yang dialami petani, antara lain; Nilai Tukar Petani (NTP) dalam mengindentifikasi kesejahteraan petani, penentu peningkatan dan penurunan Nilai Tukar Petani (NTP) pangan di Indonesia; dan potensi pembiayaan syariah dalam memberikan solusi untuk mensejahterakan petani. Hasil penelitian menunjukkan bahwa Kenaikan NTP tidak selalu baik. Penentu terjadinya kenaikan dan penurunan nilai tukar petani padi adalah produktivitas, harga gabah, harga barang konsumsi, dan harga pupuk, nilai tukar petani terhadap konsumsi makanan dan nonmakanan, serta biaya produksi. Skim syariah dapat dijadikan alternatif baru untuk membantu sektor pertanian yang bebas bunga dan berdasarkan bagi hasil.
CASH BUDGET DALAM SISTEM BISNIS SYARIAH Muhammad Muflih
Economica: Jurnal Ekonomi Islam Vol 5, No 1 (2014)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2014.5.1.764

Abstract

Studi ini membuktikan bahwa cash budget yang dilaksanakan dalam sistem bisnis syariah dapat memberikan solusi yang efektif dalam perencanaan bisnis bagi hasil dan sekaligus dapat memberikan solusi yang sangat baik dalam permasalahan biaya dan defisit. Pilar terbangunnya cash budget yang Islami adalah sistem permodalan bagi hasil mudharabah di mana pemodal (shahib al-mal) memberikan sokongan keuangan yang sangat kuat dan siap bekerjasama dalam menghadapi risiko biaya dan defisit, pola penerimaan yang sesuai dengan prinsip syariah, pola pengeluaran yang sesuai dengan prinsip syariah, dan langkah penyelesaian defisit yang adil dan tepat. Dalam hal penyelesaian defisit, besarnya penambahan biaya ditentukan oleh nilai saldo yang wajar dan defisit riilnya.
ANALISIS RASIONALITAS INVSETOR DALAM PEMILIHAN DAN PENENTUAN PORTOFOLIO OPTIMAL PADA SAHAM-SAHAM JAKARTA ISLAMIC INDEX Rifqiawan, Raden Arfan
Economica: Jurnal Ekonomi Islam Vol. 2 No. 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.826

Abstract

The purpose of this study is to determine that  wether investor rationality exist in undergoing the stock choice in  Jakarta Islamic Index at Indonesia Stock Exchange. Population to be chosen in the study is 44 firms listed on JII. However, the sample included are only 19 firms that present 30 times consecutively of simultan monitoring on JII. From 19 firms  after analyzed with single index model  found 11 has firms has  ERB > Ci*, that mean if investor invests  in 11 stocks will  get return higher with lower risk in comparison with investment in risk free  asset. Data to be used in the study is the secondary one, which is collected from Indonesia Stock Exchange Monthly Statistic and risk free rate report from Central Bank of Indonesia.Result to be obtained from the study demonstrates on empirical evidence of investor rationally in choosing the stock on JII. The value is  showed averagely stocks trade  volume that has  ERB > Ci* higher is compared averagely stocks trade  volume that has  ERB< Ci*.
Kontruksi Sistem Jaminan Sosial dalam Perspektif Ekonomi Islam Naerul Edwin Kiky Aprianto
Economica: Jurnal Ekonomi Islam Vol 8, No 2 (2017)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2017.8.2.1334

Abstract

This article intends to examine the social security system in the perspective of Islamic economy. Using literature review, this article cut social security. For that, it can be concluded that the social security construction in the Islamic economic system has four stages, namely: (1) guarantees the individual against himself (individual guarantees); (2) among individuals with his family (family guarantees); (3) individuals with society (assurance society); and (4) between people within a country (a guarantee). Therefore, the construction of social security system in Islamic economics illustrates that guarantee it in layers. When social security was able to be resolved by the individual, then simply at the level of the individual. But when could not be resolved at the level of the individual, it will be resolved at the level of the family. If not completed in level of the family, it will be resolved at the community level. If social security did not complete in the community, then the obligation of the State to finish itArtikel ini bermaksud untuk mengkaji sistem jaminan sosial dalam perspektif ekonomi Islam. Dengan menggunakan literature review, artikel ini membedah jaminan sosial Islam. Artikel ini menyimpulkan bahwa konstruksi jaminan sosial dalam ekonomi Islam memiliki empat sistem tahapan, yaitu: (1) jaminan individu terhadap dirinya (jaminan individu); (2) antara individu dengan keluarganya (jaminan keluarga); (3) individu dengan masyarakatnya (jaminan masyarakat); dan (4) antara masyarakat dalam suatu negara (jaminan negara). Oleh karena itu, konstruksi sistem jaminan sosial dalam ekonomi Islam menggambarkan bahwa jaminan itu berlapis-lapis. Apabila jaminan sosial mampu diselesaikan oleh individu, maka cukup di level individu. Apabila tidak bisa diselesaikan di level individu, maka akan diselesaikan di level keluarga. Apabila tidak selesai di level keluarga, maka akan diselesaikan di level masyarakat. Apabila jaminan sosial tidak selesai di masyarakat, maka kewajiban negara menyelesaikannya.

Page 18 of 37 | Total Record : 366

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