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al-Uqud : Journal of Islamic Economics
Published by Universitas Negeri Surabaya
ISSN : 25490850     EISSN : 25483544     DOI : http://dx.doi.org/10.26740/al-uqud
Core Subject : Economy,
Economics, Econometrics & Finance
al-Uqûd : Journal of Islamic Economics published by the Islamic Economic Studies Department of Economics Faculty of Economics, Universitas Negeri Surabaya in cooperation with the Forum of Economic and Business Lecturer Islam (FORDEBI). al-Uqûd published twice a year, in January and July. The journal will focus on providing quality research in the areas of Islamic economics, banking and finance. The goal of the journal is to cover topics that are paramount in modern Islamic economics and finance. The language used in the form of Indonesian and English. Editors invite research lecturers, the reviewer, practitioners, industry, and observers to contribute to this journal.
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Articles 6 Documents
 1 
Search results for , issue "Vol. 3 No. 2 (2019): July" : 6 Documents clear
COMPARISON AND PREDICTING FINANCIAL PERFORMANCE OF ISLAMIC AND CONVENTIONAL BANKS IN INDONESIA TO ACHIEVE GROWTH SUSTAINABILITY Ulumuddin Nurul Fakhri; Saiful Anwar; Rifki Ismal; Ascarya Ascarya
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (257.574 KB) | DOI: 10.26740/al-uqud.v3n2.p174-187

Abstract

Islamic banking fall on stagnation of financial performance in 2011 after successfully overcoming the financial crisis in 1998 and 2008, as though the Islamic banking sector had only run in place and had no clear purpose in developing the Islamic finance business. The purpose of this study is to clarify the variables that predispose financial performance, as well as predict the decrease and increase of financial performance. This study uses an Artificial Neural Network (ANN) model to find out the variables that affect financial performance and predict the decrease and increase of financial performance of sharia and conventional banking for the next five months. This research generates the variables which affect the financial performance of sharia banking and the prediction of financial performance over the next five months. The variables which affect the level of financial performance of sharia banking affected dominantly by inflation, although the results of conventional banking are the same but not too significant. This shows that sharia banking CBGB (Commercial Bank Group of Business) 2 is very vulnerable with macroeconomic factors compared with conventional banking. ANN predictions produce an average of 80% success in predicting performance over the next five months.
COMPARISON ANALYSIS OF RISK-BASED CAPITAL (RBC) PERFORMANCE AND ITS EFFECT ON ISLAMIC INSURANCE PROFITABILITY IN INDONESIA AND MALAYSIA Zubaidah Nasution; Elfira Maya Adiba; Mohamed Omar Abdulrahim
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (240.692 KB) | DOI: 10.26740/al-uqud.v3n2.p149-160

Abstract

The minimum value of risk-based capital of Islamic insurance is 30% in Indonesia, while Malaysia is 130%. RBC is one of indicator to measure people interest in Islamic insurance products. This paper aims to compare the risk-based capital (RBC) of Islamic insurance companies in Indonesia and Malaysia and analyze its financial ratios. This study used quantitative approach through two analysis techniques, the Mann-Whitney test and multiple linear regression. The results of this study showed that there is difference in risk between capital (RBC) of Indonesian and Malaysian Islamic insurance. Further, RBC, liquidity and investment balance ratios have a significant impact to the profitability of Islamic Insurance in Indonesia, while investment returns have no significant impact. In the other hand, RBC, liquidity, investment balance ratio, and investment returns have significant impact to the profitability of Islamic Insurace in Malaysia.
MUDHARABAH AGRI-CROWDFUNDING IN THE EX-CLAY MINE UTILIZATION PROGRAM OF PT. SEMEN INDONESIA (PERSERO), TBK. CAMPUS OF C UNIVERSITAS INTERNASIONAL SEMEN INDONESIA Bambang Tutuko; Ahmad Hudaifah; M. Asyhad; Paramita Setyaningrum; Irvan Adhin Cholilie
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (223.167 KB) | DOI: 10.26740/al-uqud.v3n2.p133-148

Abstract

The objectives of research are to study market, technical, and financial feasibility of crowdfunding project using Syariah contract on specified agriculture project based on a higher education institute potency. Such process will be carried out to identify a feasibility of the land use in the project and the amount of funding needed to be collected with the concept of crowdfunding. The construction of a project requires analysis to determine the feasibility of the project. Method of research is quantitative by calculating financial feasibility. UISI has a land area of 3.8 hectares located on Campus of C UISI. This land is an ex-clay mining land of Semen Indonesia Company. Total investment and capital funding amount to Rp 100,000,000. The investment return period is 2 years. Based on the profit and loss calculation, it can be considered that capital and investment will return in the 6th month of the 1st year. In the 1st year the IRR obtained was 19%, whereas until the end of the second year the IRR was obtained by 42%. A significant difference occurred because in the second year Belimbing Tasikmadu, and Jambu Kristal fruit could already be harvested for commercial purpose. 
MUSLIM CONSUMER BEHAVIOR AND HALAL PRODUCT CONSUMPTION Muhammad Turhan Yani; Sri Abidah Suryaningsih
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (168.713 KB) | DOI: 10.26740/al-uqud.v3n2.p161-173

Abstract

The purpose of article writing is to find out the impact of modernization on lifestyle in some Muslim societies that have a tendency to ignore the parameters of religion (Islam) in terms of consuming a food / beverage, medicine, even cosmetics product. The research method used is library research. The result of the analysis is that anything consumed in an Islamic perspective has implications for mental health. this is where awareness is needed that when Allah SWT. has given signs about halal and haram for food or drink, so there is a wisdom behind the provisions of Allah. In the context of normative law in Indonesia, halal standardization has also been strengthened by the Law of the Republic of Indonesia Number 33 of 2014 concerning Guarantee of Halal Products as a whole to all levels of society. In addition, the Government has also formed a body called the Halal Product Guarantee Agency which has the duty to hold a Halal Product Guarantee. This shows that the Government is also very concerned about the needs of its citizens in meeting the consumption of all products with halal standards.
TECHNICAL EFFICIENCY LEVEL OF ISLAMIC BANK IN INDONESIA Alfu Laila Fiafifah; Darwanto Darwanto
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.077 KB) | DOI: 10.26740/al-uqud.v3n2.p114-132

Abstract

One of the common measurements used to evaluate a companys performance is the efficiency performance which indicates a companys efficiency score in utilizing inputs to produce outputs. This study aims to evaluate the performance of state-owned Indonesian Islamic banks by measuring their technical efficiency along with the determinant factors of their efficiency over the period 2014-2017. In this study, DEA, a non-parametric technique method, is employed to measure the efficiency of four state-owned Indonesia Islamic banks. Another method, Tobit-regression, is used to identify the determinant factors of their efficiency. Four state-owned Indonesian Islamic banks are chosen as the object of this study, namely Bank Syariah Mandiri, BNI Syariah , Bank Rakyat Indonesia Syariah, and BTN Syariah. The results of calculation using DEA methos show that the average efficiency level of all state-owned Indonesian Islamic banks over four consecutive yerars is 100%. It means that all the state-owned Indonesian Islamic banks operating in Indonesia have been able to optimize all their resources and are considered efficient over the period 2014-2017. Tobit-regression model results show that bank size, capitalization, and profitability significantly affect all state-owned Islamic banks efficiency, while bank expenses do not have a significant effect on their efficiency.
PATRONAGE OF ISLAMIC AND CONVENTIONAL BANKS: THE CASE OF SYRIA Khaled Nour Aldeen; Syed Alamdar Ali Shah; Sri Herianingrum
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.693 KB) | DOI: 10.26740/al-uqud.v3n2.p98-113

Abstract

The aim of this study is to understand perception of conventional banks customers towards Islamic banking by examining their level of awareness about Islamic banking. The qualitative approach was used in the form of semi-structured interviews under the phenomenological approach in Damascus city. The main findings of this research are customers lack awareness of Islamic banking operations. Furthermore, Islamic banks stuff play a crucial rule to enhance awareness and willingness towards their services. This study revealed that an informative advertising campaign is highly recommended to raise the awareness level among Syrians towards Islamic banking. Moreover, Islamic banks should be more selective especially when they recruit customer service operation staff. This research is a pioneering attempt towards Islamic banking issues in the case of Syria from a customer perspective. It contributes to the Syrian perceptions towards Islamic banking literature.

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