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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 The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Islamic Economics themes which cover Islamic Finance, Islamic Banking, Islamic Accounting, Islamic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
PERAN DANA PIHAK KETIGA DALAM KINERJA LEMBAGA PEMBIAYAAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMENGARUHINYA Maltuf Fitri
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.2016.7.1.1033

Abstract

The development of the performance syariah financing institutions in Indonesia keeps increased positive this can be seen of the total assets and third party funds (DPK) that increase over a period of years 2010-2014. During the period of the year the ratio DPK to the total assets of syariah financing institutions reached 78 percent.The indicated that the role DPK for these very strategic performance and the funding institution banking business. In this paper the tried to explain the role of third party funds in an institution syariah funding as an element the certaintly in the provison of financing and as an element that influences the performance business of syariah financing institutions. The importance of the role of DPK for syariah financing institutions hence need to know the factors that affect the development DPK. Approach analysis this paper is descriptive empirical who testing of theoretically and approach in empirical of studies related.
Analisis Pengaruh Shariah Compliance dan Assurance terhadap Kepuasan Nasabah BMT Barokatul Umah di Kabupaten Merauke Orin Verawati Ramadani; Abd Rahman Kadir; Abdullah Sanusi
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.2018.9.2.2662

Abstract

This study aims to determine the effect of Shariah Compliance and Assurance on customer satisfaction partially and simultaneously. In this study using a quantitative approach and multiple linear regression. The object of this research is the employees and customers of BMT Barokatul Ummah in Merauke Regency. While the data collection techniques are using interviews, questionnaires, and literature studies. The results of this study indicate that the Shariah Compliance and Assurance dimension has been implemented well, and has a positive and significant influence on customer satisfaction at the BMT Barokatul Ummah. This means that the Shariah Compliance and Assurance dimensions are further enhanced, customer satisfaction is getting higher.Penelitian ini bertujuan untuk mengetahui pengaruh Shariah Compliance dan Assurance terhadap kepuasan nasabah secara parsial dan simultan. Dalam penelitian ini menggunakan pendekatan kuantitatif dengan regresi linier berganda. Objek dalam penelitian ini adalah pimpinan dan nasabah BMT Barokatul Ummah di Kabupaten Merauke. Sedangkan teknik pengumpulan data yaitu menggunakan wawancara, kuesioner, dan studi kepustakaan. Hasil penelitian ini menunjukkan bahwa dimensi Shariah Compliance dan Assurance telah dijalankan dengan baik, dan mempunyai pengaruh positif dan signifikan kepada kepuasan nasabah pada BMT Barokatul Ummah. Artinya semakin ditingkatkan dimensi Shariah Compliance dan Assurance maka kepuasan nasabah semakin tinggi.
KEPATUHAN KOPERASI DI KOTA SEMARANG TERHADAP STANDAR AKUNTANSI KEUANGANENTITAS TANPA AKUNTAN PUBLIK (SAK ETAP) TAHUN 2013 Warno Warno
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.2014.5.1.767

Abstract

Koperasi merupakan lembaga yang menjalankan kegiatan usaha dan pelayanan yang sangat membantu dan dibutuhkan oleh anggota koperasi khususnya dan masyarakat pada umumnya. Koperasi juga menerapkan pedoman standar akuntansi keuangan (PSAK). SAK ETAP diterapkan untuk penyusunan laporan keuangan yang dimulai pada atau setelah 1 Januari 2011. Tujuan nya adalah untuk menyediakan informasi posisi keuangan, kinerja keuangan, dan laporan arus kas suatu entitas yang bermanfaat bagi sejumlah besar pengguna dalam pengambilan keputusan ekonomi oleh siapapun yang tidak dalam posisi dapat meminta laporan keuangan khusus untuk memenuhi kebutuhan informasi tertentu.Berdasarkan hasil penelitian menunjukkan bahwa koperasi dikota semarang sebanyak 50 koperasi yang dipakai untuk sampel penelitian sebagian kecil sudah menerapkan SAK ETAP, sedangkan sebagian besar menerapkan SAK ETAP tetapi belum keseluruhan ketentuan, koperasi yang belum sama sekali menerapkan SAK ETAP tidak ada. Dari hasil tersebut maka perlu adanya tindakan dari pihak regulator untuk membenahi hal tersebut yaitu bertujuan agar seluruh koperasi taat dengan SAK ETAP, adanya ketidak patuhan dari koperasi bisa disebabkan berbagai hal.
IMPLEMENTASI PRINSIP GOOD CORPORATE GOVERNANCE PADA PERBANKAN SYARI’AH DI INDONESIA Setyani, Nur Hidayati
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.2012.2.2.849

Abstract

Bank is financial institution, which is a fungtioning financial intermediary from two parties, namely sides that excess fund and poor one party lents fund. Principle syari’ah is ruling indentured base islamic law among bank and party othering to keep fund and/or business activity finanance, or stated another activity according to syari’ah.Good corporate governance (GCG) is manner brings of bank that are principles apply; transparency , accountability, responsibility, independency and fairness. GCG’s principles really back up syar’i. In Islam also recognized many muamalah’s principles as; justice, tazawun, masuliyah, behaviour, shiddiq, trust ,fathanah , tabligh hurriyah, charity, wasathan, ghirah, idarah, khalifah, aqidah , ijabiyah, raqabah, qira’ah and islah. Implementation  about performing GCG at various institute carries on business to get profit’s orientation, notably financial institution/syari’ah bank, constitute a certainty, even syari’ah’s financial institutions in particular bank syari’ah, ought to becomes pionir, since to carried on terminological islamic principles.
Investasi dalam Perspektif Ekonomi Islam: Pendekatan Teoritis dan Empiris Elif Pardiansyah
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.2017.8.2.1920

Abstract

Investment is a commitment to withhold excess funds in order to gain profit in the future. Nevertheless, there are unscrupulous individuals who utilize investment as a means of collecting funds from the public with products and activities that are not according to sharia. Therefore, explaining the principles of sharia in investing becomes important as a guide for society. Eclpisit and implicit investment activities contained in the number of Qur’anic verses and the sunnah of the Prophet Muhammad, who once ran the business and became a partner of the Mecca investor of his day. The principle of sharia investment is any form of muamalah may be done until there is a prohibited prohibition, the water search for forbidden activities in a business activity, both object (product) and the process of activity that contains elements haram, gharār, maysīr, ribā, tadlīs, talaqqī al-rukbān, ghabn, ḍarar, rishwah, maksiat and ẓulm. In investing, there are sharia rules regarding what covenants are allowed, what is prohibited, and risks that arise as an integral part of investment activity.
Islamic Spiritual Capital Implementation at BMT UGT Sidogiri Widita Kurniasari; Tjiptohadi Sawarjuwono; Muhamad Nafik Hadi Ryandono
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.2019.10.2.3221

Abstract

Abstract: The purpose of this study was to obtain an in-depth description of the implementation of the concept of Islamic Spiritual Capital at BMT UGT Sidogiri. The approach used in this research is Islamic phenomenology. This research explores events/phenomena and organizational culture at BMT UGT Sidogiri. This method helps to reveal how to implement Islamic Spiritual Capital in the culture of working at BMT UGT Sidogiri. The results showed that the importance of civilize Islamic Spiritual Capital was reflected through prayer discipline, time discipline and rule discipline. Uphold the work ethic of three -as in working, they are working hard, working smart and working sincerely. This work ethic involves the body, brain and heart. Islamic leadership is basically a belief that prioritizes the attributes of the STAFF (Siddiq, Tabligh, Amanah, Fathonah). Motivation in working is intended to worship, seek the blessing of Allah and become a charity hereafter so that the goal is not only for the world. So that, every employee has an Islamic commitment that is having the confidence to be loyal to the organization and istiqomah (steadfastness) at work.Abstrak: Tujuan dari penelitian ini adalah untuk memperoleh gambaran yang mendalam tentang implementasi konsep Modal Spiritual Islam di BMT UGT Sidogiri. Pendekatan yang digunakan dalam penelitian ini adalah fenomenologi Islam. Penelitian ini mengeksplorasi peristiwa/fenomena dan budaya organisasi di BMT UGT Sidogiri. Cara ini membantu mengungkap bagaimana mengimplementasikan Modal Spiritual Islam dalam budaya kerja di BMT UGT Sidogiri. Hasil penelitian menunjukkan bahwa pentingnya modal kerohanian Islam yang beradab tercermin melalui disiplin shalat, disiplin waktu dan disiplin aturan. Menjunjung tinggi etos kerja tiga -sebagai dalam bekerja, mereka bekerja keras, bekerja cerdas dan bekerja dengan ikhlas. Etos kerja ini melibatkan tubuh, otak dan hati. Kepemimpinan Islam pada dasarnya adalah keyakinan yang mengutamakan atribut STAF (Siddiq, Tabligh, Amanah, Fathonah). Motivasi dalam bekerja dimaksudkan untuk beribadah, mencari ridho Allah dan menjadi sedekah akhirat agar tujuannya tidak hanya untuk dunia. Sehingga setiap karyawan memiliki komitmen islami yaitu memiliki kepercayaan diri untuk setia pada organisasi dan istiqomah (ketabahan) dalam bekerja.
BUNGA PINJAMAN DALAM PERSPEKTIF KEADILAN (Studi Kasus Bunga Pinjaman di KPRI Nusantara IAIN Walisongo) Ghufron Ajib
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.2013.4.1.688

Abstract

The subject matter of this study motivated several considerations. The first is that justice is the main  major Islamic mission, including social and economic justice. The opponent of justice, namely zhulm (injustice), according to the modernist is  raison d'etre of  usury prohibition, and be decisive for usury  legal issues. Second, that since 1990 up to the present system of Shari'ah financial institutions more firmly and growing rapidly with the issuance of Law number  21, 2008 On Islamic Banking and the issuance  Minister of Cooperative Regulation 91, 2004 On Guidelines for the Implementation of Activities Cooperative Business Financial Services Shariah. While the savings and loan business unit in KPRI ‘Nusantara’ since its establishment, in 1973, untill now still running a conventional loan system. In this study, primary data, the loan system and the pattern of calculating interest on savings and loans unit KPRI Nusantara, collected using three methods: participant observation, and interviews with the management and documentat.By using the concept of social justice of John Rawls, the concept maqashid al-Sharia, and the concept of Islamic financial cooperative systems, researchers discuss the issue through three aspects of justice, namely the aspect of contract, the consistency aspect of interest, and justice aspects of cooperatives. Two discussion of this study conclude the absence of justice, namely the aspects of the contract and consistency aspects of interest. The final discussion concludes that there is justice, which is the aspect justice cooperatives.
Enhancing The Role of Zakat and Waqf on Social Forestry Program in Indonesia Ali, Khalifah Muhamad; Kassim, Salina; Jannah, Miftahul; Ali, Zulkarnain Muhammad
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.2021.12.1.6657

Abstract

Abstract: This research aims to initiate the integration model of zakat-waqf with Social Forestry Program. The study is a conceptual paper and qualitative using secondary data and descriptively analyzed. It reviews several existing models related to Zakat and Waqf's role in financing the agriculture and forestry sectors to formulating a novel model for poverty alleviation from communities in and around forests expected to reduce forest destructions in Indonesia. The study concluded that zakat-waqf could finance the Social Forestry program to overcome poverty, inequality and increase the welfare of people living in and around forests. It will provide economic and ecological benefits, especially in reducing forest damage. This research can encourage other researchers to explore the potential of zakat-waqf for financing forestry sectors.Abstrak: Penelitian ini bertujuan untuk menginisasi model integrasi zakat dan wakaf dengan program Perhutanan Sosial. Penelitian adalah riset konseptual yang menggunakan data sekunder dan analisis deskriptif. Penelitian ini mengulas beberapa model eksisting mengenai peran zakat dan wakaf dalam membiayai sektor pertanian dan kehutanan untuk menyusun formula baru yang diharapkan mampu menjadi solusi kemiskinan masyarakat di dalam dan sekitar hutan, yang kemudian diharapkan menurunkan tingkat kebakaran dan kerusakan hutan di Indonesia. Hasil penelitian menunjukkan bahwa zakat dan wakaf dapat menjadi sumber pembiayaan program Perhutanan Sosial untuk mengatasi kemiskinan, kesenjangan, dan meningkatkan kesejahteraan masyarakat di dalam dan sekitar hutan. Program ini dapat memberikan manfaat ekonomi dan ekologi, spesifiknya untuk mengurangi kerusakan hutan. Penelitian ini diharapkan dapat mendorong peneliti-peneliti lain untuk menganalisis lebih lanjut mengenai potensi zakat dan wakaf untuk membiayai sektor kehutanan.
CORAK PEMIKIRAN HUKUM ISLAM DALAM FORMULASI PERBANKAN SYARI’AH: ANTARA TEKSTUALIS DAN SUBSTANSIALIS Ali Murtadho
Economica: Jurnal Ekonomi Islam Vol 6, No 2 (2015)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2015.6.2.790

Abstract

Sejauh mana sistem operasional perbankan syari’ah dapat merepresentasikan pengamalan ajaran Islam di bidang ekonomi dapat diperjelas dengan mencermati corak pemikiran hukum Islam yang mendasarinya. Konsepsi perbankan syari’ah merupakan produk ijtihad yang dibangun di atas prinsip pelarangan riba secara mutlak dengan memandang bahwa bunga bank termasuk riba. Konsepsi perbankan syari’ah, tidak secara murni memakai salah satu tipologi pemikiran hukum Islam. Kadang memakai kerangka pendekatan substansialis namun juga tidak terlepas dari pendekatan tekstualis. Ide dasar perbankan syari’ah yang berangkat dari  prinsip pengharaman riba dan pemakaian prinsip bagi hasil, meskipun termasuk kategori pemikiran substansialis karena mengacu pada substansi ajaran Islam tentang prinsip keadilan dan prinsip tolong menolong, namun cenderung mendekati cenderung tekstualis karena interpretasi riba dilakukan dalam bentuk qiyas yang sangat ketat. Demikian juga dalam mengadopsi aqad-aqad yang ada dalam khazanah fiqh mu’amalah dengan mengedepankan aspek formalitasnya tampak lebih kental dengan nuansa corak pemikiran tekstualisnya. Dalam proses panjang menuju tata perekonomian yang benar-benar Islami, diperlukan kajian intensif berkesinambungan untuk merevisi kelemahan- kelemahan konsepsional maupun operasional perbankan Syari’ah.
Penerapan Kaidah al-Ghunm bi al-Ghurm dalam Pembiayaan Mushārakah pada Perbankan Syariah Hendri Hermawan Adinugraha
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.2017.8.1.1827

Abstract

This purpose of this research is to describe the theoretical study of the principle of al-ghunm bi al-ghurm in detail and its implementation in mushārakah  financing at Islamic banking. The type of research has been included in the library research category which is writing the data and information obtained from published sources. Therefore, this research was used literature research from journals, books and other sources related to the topic. This research used normative juridical approach, then in every analysis always refers main reference on primary sources, such as Umar Abdullah al-Kamil dissertation which entitled al-Qawa’id al-Fiqhiyyah al-Kubrā wa Atsaruhā fi al-Mu‘āmalat al-Māliyahand paper by Walid Rashid Ibn As-Sa'idan about Qawā‘id al-Buyu’ wa Farāid al-Furu’to identify the concept of al-ghunm bi al-ghurm in mushārakah  financing at Islamic banking.Tujuan penelitian ini adalah untuk mendeskripsikan dan menginterpretasikan hasil temuan/pengamatan mengenai konsep al-ghunm bi al-ghurm dalam pembiayaan mushārakah  pada perbankan syariah. Jenis penelitian ini termasuk penelitian kepustakaan (library research) dimana pengumpulan data dan informasinya diperoleh dari sumber-sumber pustaka (bacaan) yang berasal dari buku, hasil penelitian, jurnal dan bahan-bahan bacaan lainnya yang masih ada relevansinya dengan topik ini. Penelitian ini menggunakan pendekatan yuridis normatif, maka dalam setiap analisa selalu merujuk (rujukan utama) pada sumber primer yaitu disertasi Umar Abdullah al-Kamil yang berjudul al-Qawa’id al-Fiqhiyyah al-Kubrā wa Atharuhā fi al-Mu‘āmalat al-Māliyah dan paper karya Walid Ibnu Rasyid As-Sa’idan tentang Qawā‘id al-Buyu’ wa Farāiḍ al-Furu’ untuk mengidentifikasi konsep al-ghunm bi al-ghurm dalam pembiayaan mushārakah  pada perbankan syariah.