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Economica: Jurnal Ekonomi Islam
ISSN : 20859325     EISSN : -     DOI : -
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 The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Islamic Economics themes which cover Islamic Finance, Islamic Banking, Islamic Accounting, Islamic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 366 Documents
Waqf Development in Indonesia: Challenges Faced by Muhammadiyah Waqf Institutions Fahmi Medias; Eko Kurniasih Pratiwi; Khotibul Umam
Economica: Jurnal Ekonomi Islam Vol 10, No 2 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.2.3333

Abstract

Abstract: As a potential financial instrument, waqf has played an essential role in resolving the social problems of the society (ummah). Although Indonesia has long applied the existence of waqf, it has not had an impact on providing an optimal contribution to the welfare of the people. Several studies identified patterns of administration in the management of waqf. The purpose of this study aims to identify and explore the model of empowerment of Mahammadiyah waqf land in Magelang and its challenges in the development of the ummah. The study method used to collect data was descriptive qualitative and interviews, which covered the areas administered by the Mahammadiyah. About 78% of these areas are empowered in the form of educational and worship facilities. However, it was observed that empowerment of the land in Magelang was not optimized due to lack of financial resources, unproductivity, and the presence of incompetent and professional Nazhirs. The solution to these problems is through collaboration with financial institutions in collecting cash equivalents, land specifications, formulating a special legal framework for empowering Muhammadiyah waqf, and training for the development of the capacity of the areas.Abstrak: Sebagai instrumen finansial yang potensial, wakaf memiliki peran penting dalam menyelesaikan permasalahan sosial masyarakat (ummah). Meski keberadaan wakaf sudah lama diterapkan di Indonesia, namun belum berdampak pada memberikan kontribusi yang optimal bagi kesejahteraan masyarakat. Beberapa penelitian mengidentifikasi pola administrasi dalam pengelolaan wakaf. Tujuan penelitian ini adalah untuk mengidentifikasi dan mendalami model pemberdayaan lahan wakaf mahammadiyah di Magelang dan tantangannya dalam perkembangan umat. Metode penelitian yang digunakan untuk mengumpulkan data adalah deskriptif kualitatif dan wawancara meliputi wilayah-wilayah yang dikelola Mahammadiyah. Sekitar 78% dari wilayah tersebut diberdayakan dalam bentuk sarana pendidikan dan ibadah. Namun, teramati bahwa pemberdayaan tanah di Magelang belum optimal karena kurangnya sumber daya finansial, tidak produktif, dan adanya Nazhir yang tidak kompeten dan profesional. Solusi dari permasalahan tersebut adalah melalui kerjasama dengan lembaga keuangan dalam pengumpulan setara kas, spesifikasi tanah, penyusunan kerangka hukum khusus pemberdayaan wakaf Muhammadiyah, dan pelatihan pengembangan kapasitas daerah.
Improving Agricultural Sector: The Role of Mudharabah Financing (Study on Sharia Financing Savings and Loans Cooperatives) Syifa, Dewi Layyinatus; Ridlwan, Ahmad Ajib
Economica: Jurnal Ekonomi Islam Vol. 12 No. 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2021.12.1.3829

Abstract

Abstract: This study aims to determine the role of mudharabah financing in a Financing Savings and Loan Cooperative towards improving the agricultural sector. Data collection techniques used are observation, interviews, and documentation. The study results indicate that cooperatives play a role in improving the agricultural sector with the help of the capital provided. The increase in the agricultural sector can be seen from the adequacy of capital, increased welfare, and increased labor. However, the improvement of cooperatives' welfare and other factors such as natural weather conditions play a role in improving farmers' welfare. As for the suitability of implementing mudharabah financing in cooperatives, there is still a discrepancy between the implementation and the DSN MUI fatwa No. 7 of 2000 concerning Mudharabah Financing, the capital used by cooperative members is not 100% of the cooperative. Members also do not get the opportunity to bargain about the amount of profit sharing.Abstrak: Penelitian ini bertujuan untuk mengetahui peran pembiayaan mudharabah di Koperasi Simpan Pinjam Pembiayaan terhadap peningkatan sektor pertanian. Teknik pengumpulan data yang digunakan ialah observasi, wawancara, dan dokumentasi. Hasil penelitian menyebutkan koperasi berperan dalam meningkatkan sektor pertanian dengan bantuan modal yang diberikan. Adapun peningkatan pada sektor pertanian dapat dilihat dari kecukupan modal, peningkatan kesejahteraan, serta peningkatan tenaga kerja. Akan tetapi, dalam peningkatan kesejahteraan koperasi tidak berperan secara keseluruhan dikarenakan terdapat faktor lain yang dapat mempengaruhi peningkatan kesejahteraan petani yakni kondisi cuaca alam. Sedangkan untuk kesesuaian pelaksanaan pembiayaan mudharabah pada koperasi masih terdapat ketidaksesuaian antara pelaksanaan dengan fatwa DSN MUI No 7 tahun 2000 tentang Pembiayaan Mudharabah, yakni modal yang digunakan anggota koperasi tidak 100% dari koperasi, serta anggota juga tidak mendapatkan kesempatan dalam melakukan tawar-menawar mengenai besaran bagi hasil.
PEMBERDAYAAN EKONOMI FAKIR MISKIN DALAM PERSPEKTIF AL-QUR’AN Dede Rodin
Economica: Jurnal Ekonomi Islam Vol 6, No 1 (2015)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2015.6.1.787

Abstract

Kaum fakir dan miskin adalah dua kelompok kaum lemah (dhu’afa) yang banyak disebutkan Al-Qur’an. Ketika Al-Qur’an berbicara tentang kedua kelompok tersebut umumnya dalam konteks bagaimana mengentaskan kemiskinan yang mereka hadapi. Dari telaah atas ayat-ayat Al-Qur’an tentang pemberdayaan fakir miskin diperoleh kesimpulan bahwa upaya pengentasan kemiskinan dan pemberdayaan kaum fakir dan miskin menurut Al-Qur’an terkait dengan  pemanfaatan dan distribusi harta. Ayat-ayat Al-Qur’an yang berbicara tentang harta ada yang berupa perintah dan anjuran dan yang kedua berupa larangan. Dari dua ketentuan ini, Al-Quran menempuh beberapa model langkah untuk pemberdayaan fakir miskin, yaitu perintah bekerja, perintah memberi makanan pokok, perintah berinfak, perintah mengeluarkan zakat, pemberian dari sebagian harta warisan, pembagian ganimah dan fa’i, larangan monopoli (ihtikār) dan menimbun harta (iktināz). Beberapa model pemberdayaan di atas dapat dibagi menjadi dua kelompok; langkah-langkah yang bersifat struktural dan yang bersifat kultural. Langkah struktural lebih ditekankan kepada lembaga khusus yang menanganinya agar berjalan dengan baik, sedangkan langkah kultural lebih ditekankan pada individu, baik individu yang diharapkan menjadi salah satu subjek pengentasan kemiskinan dan pemberdayaan kaum fakir dan miskin maupun yang menjadi objeknya. Pada langkah struktural maupun kultural, keterlibatan pemerintah sangat diperlukan, bahkan dipandang sebagai sebuah keniscayaan.
Beyond Banking: Revitalisasi Maqāṣid dalam Perbankan Syariah Wasyith Wasyith
Economica: Jurnal Ekonomi Islam Vol 8, No 1 (2017)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2017.8.1.1823

Abstract

What is the core purpose of Islamic banking? Why is the existence of Islamic banking so important? It can not be denied, the answer of the crucial question about the purpose of establishing Islamic banking is still a fragmentary discussion.If studied more deeply, Islamic banking is an entity that has its own unique characteristics, especially when compared with conventional banking. Therefore, Islamic banking, both in theory and practice, should make paradigm shifts, especially in terms of performance measurement that is not only limited to financial parameters.This study aims to explore the extent to which the revitalization of the concept of maqāṣid in Islamic finance, especially banking. The result shows that the revitalization of the concept of maqāṣid defined by Muhammad Abu Zahrah and Abdul Majid Najjar can be used to measure the performance of sharia banking in a more measurable way.Apakah sebenarnya tujuan inti dari perbankan syariah? Kenapa eksistensi perbankan syariah begitu penting? Tidak dapat dipungkiri, jawaban dari pertanyaan krusial mengenai tujuan pendirian perbankan syariah masih berupa diskusi sepotong-sepotong. Jika dikaji lebih dalam, perbankan syariah adalah entitas yang mempunyai karakteristik unik dan tersendiri, khususnya saat dibandingkan dengan perbankan konvensional. Oleh karena itu, perbankan syariah, baik secara teori maupun praktik, harus melakukan pergeseran paradigma (shifting paradigm), khususnya dalam hal pengukuran kinerja yang tidak hanya terbatas pada parameter keuangan. Penelitian ini bertujuan untuk menelusuri sejauh mana revitalisasi konsep maqāṣid dalam keuangan syariah, khususnya perbankan. Hasil penelitian menunjukkan bahwa revitalisasi konsep maqāṣid Muhammad Abu Zahrah dan Abdul Majid Najjar dapat digunakan untuk melakukan pengukuran kinerja perbankan syariah secara lebih terukur.Beyond Banking: Revitalisasi Maqāṣid dalam Perbankan Syariah
Embedding Crowdfunding Structure in Islamic Venture Capital for SMEs Development Fauzul Hanif Noor Athief
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.3186

Abstract

SMEs that play significant role in Indonesia economy still suffer from financial constraint. Even though government provides big support to open finance access for SMEs, there are still more than half are not supported by sufficient access of financing. This paper investigates the possible financing methods that can be used by SMEs by examining its positive and negative aspects along with the shariah view on it. Since there are limitations that have to be removed, we propose new scheme of financing suits best for Indonesia SMEs based on the venture capital design by embedding crowdfunding structure and the Islamic element in it. This paper also proposes new possible exit strategy for the scheme in order to benefit all parties involved.UKM memiliki peran penting dalam perekonomian Indonesia yang masih mengalami kendala keuangan. Meskipun pemerintah memberikan dukungan besar untuk membuka akses keuangan untuk UKM, masih ada lebih dari setengah yang tidak didukung oleh akses pembiayaan yang memadai. Kajian ini meneliti kemungkinan metode pembiayaan yang dapat digunakan oleh UKM dengan memeriksa aspek positif dan negatifnya disertai dengan pandangan syariah atas permasalahan ini. Karena ada keterbatasan yang harus dihilangkan pada model-model pembiayaan, maka kami mengusulkan skema baru pembiayaan yang terbaik untuk UKM Indonesia berdasarkan desain modal ventura dengan menanamkan struktur crowdfunding dan elemen Islami di dalamnya. Penelitian ini juga mengusulkan kemungkinan strategi keluar baru untuk skema tersebut agar bermanfaat bagi semua pihak yang terlibat.
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.
HUBUNGAN HUKUM KEMITRAAN DALAM LINKAGE PROGRAM PERBANKAN SYARI’AH Johan Arifin
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.2013.4.2.778

Abstract

Linkage program is a strategy that aims to empower and provide access to capital for small and medium enterprises (UMKM) through the involvement of participation in the financial industry. It is based on the fact that BPR/S or Shari'ah microfinance institutions like Baitul Maal Wa Tamwil (BMT) sometimes have problems in mobilizing public sector funds. While commercial banks on the other hand tend to have excess funds that the public sector (over liquidity) but space is limited to micro business reach its movement.In other words, that the benefits of this program, commercial banks have easy access to UMKM and BMT benefit from the availability of funds to be distributed to the debtor, with due regard to the risk management process so as not to encourage an increase in the ratio of financing problems (non-performing financing).
SOLUSI PROBLEM PENGHAPUSAN BUNGA DENGAN PENDEKATAN PRODUK BAI‘ BITSAMAN ĀJIL DALAM UPAYA MEWUJUDKAN LEMBAGA KEUANGAN LĀ-RIBA (Studi Kasus di BMT Damar dan BMT-KJKS IAIN Walisongo Semarang) Siti Mujibatun
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.2016.7.1.1035

Abstract

Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)
Praktik Akuntabilitas Masjid: Studi Kasus pada Masjid Al-Akbar Surabaya Uun Dwi Al Muddatstsir; Dessy Noor Farida; Early Ridho Kismawadi
Economica: Jurnal Ekonomi Islam Vol 9, No 2 (2018)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2018.9.2.2350

Abstract

This study aims to determine the practice of accountability carried out by the management of Al-Akbar Mosque in Surabaya. Accountability is needed as a form of organizational management responsibility to worshipers. The method used in this study is qualitative with a case study approach. The results of the study indicate that the manager has prioritized the interests and prosperity of the mosque compared to individual interests. Research also shows that accountability practices are carried out using honesty and legal accountability, process accountability, program accountability and financial policy accountability.Penelitian ini bertujuan untuk mengetahui praktik akuntabilitas yang dilakukan oleh pengurus Masjid Al-Akbar Surabaya. Akuntabilitas sangatlah dibutuhkan sebagai bentuk tanggung jawab pengelola organisasi kepada jamaah. Metode yang digunakan dalam penelitian ini adalah kualitatif dengan pendekatan studi kasus. Hasil penelitian menunjukkan pengelola sudah mementingkan kepentingan dan kemakmuran masjid dibandingkan kepentingan individu. Penelitian juga menunjukkan praktik akuntabilitas yang dijalankan menggunakan akuntabilitas kejujuran dan hukum, akuntabilitas proses, akuntabilitas program dan akuntabilitas kebijakan keuangan.
SEPUTAR PERSOALAN PELAYANAN WAKAF DI KANTOR URUSAN AGAMA (KUA) KECAMATAN KELING KABUPATEN JEPARA Saekhu Saekhu
Economica: Jurnal Ekonomi Islam Vol 5, No 2 (2014)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2014.5.2.769

Abstract

Religious Affairs Office (KUA) Keling Sub-district as a facilitator of social and religious organizations officially designated by the government cannot be separated from the problems associated with land endowments. Besides Indonesian Waqf Board as the official agency of the government in charge of the waqf in Indonesia cannot be autonomous in terms of organization and management of these institutions due to lack of budget provided by the state to BWI and the lack of state budget is one of the factors of weak existing management system at BWI. This study is a descriptive kualitative analysis and includes field research (field Research). Methods of data collection using interview techniques, observation, observation and documentation, while wearing his approach and juridical and normative approach using inductive data analysis.The results of this study that waqf ministry of Religious Affairs in the Office of the District Rivet is still a lack of human resources in the field do not affect the maximum donation that endowments services provided to the public. In general ministry of waqf in the Office of Religious Affairs does not affect the level of economic welfare of the people, this happens because of the cult and the management of waqf in District Rivet still traditional individual and yet professional. In other words endowments administrative services submitted to the Office of Religious Affairs (KUA) will Keling Sub-district, but the management and supervision of the Nazarenes submitted to the village.