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al-Uqud : Journal of Islamic Economics

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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-UqÃ»d : 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-UqÃ»d 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 203 Documents

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Efficiency Analysis of Zakat Institutions Based on The Organizational Cluster in Indonesia: Free Disposal Hull (FDH) Approach Ryandono, Muhamad Nafik Hadi; Widiastuti, Tika; Qulub, A. Syifaul; Cahyono, Eko Fajar; Mi'raj, Denizar Abdurrahman; Insani, Taqiyah Dinda
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

This study aims to analyse the level of efficiency of zakat institutions in Indonesia between 2014 and 2018. Zakat institutions are divided into three clusters based on the organisation's nomenclature: the government, public, and private groups. The division of these clusters aims to see differences in the management of zakat funds between each group. This study uses a quantitative research approach through the Free Disposal Hull (FDH) method to produce a more comprehensive average efficiency estimation than the Data Envelopment Analysis (DEA). The sampling technique is purposive, and there are fourteen research objects observed. The government cluster is the cluster with the highest efficiency value. The private set comes in second, and the public group comes in third ranking. The high score that the government cluster earns is due to their primary business purpose, which focuses on managing zakat funds. The results of this study can be used as references for the policy establishment of zakat institutions in Indonesia.

Islamic Banking Efficiency in Indonesia and Malaysia: Two Stages Data Envelopment Window Analysis Pantas, Pribawa E; Susetyohadi, Agus; Azwita, Laurin
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

This study aimed to evaluate the efficiency of Islamic banks in Indonesia and Malaysia and examine the determinants of their efficiency in 2015-2019 using a two-stage data development window analysis approach. The research involves 13 Indonesian Islamic banks and 16 Malaysian Islamic banks. The first test step using the Data Envelopment Window Analysis (DEWA) approach has shown that the Islamic Bank's efficiency in managing resources is inefficient. The second research process using the Tobit model shows that the Capital Adequacy Ratio (CAR), Return on Asset (ROA), Non-Performing Financing (NPF), and Deposit Ratio Financings (FDR) do not have a significant impact on the efficiency of Indonesian Islamic Banking. Though CAR has significant positive effects on banking efficiency in Malaysia, NPF has a significant impact on Malaysian Islamic banks' efficiency. This study implies that the banking industry players increase their efficiency, mainly to enhance the amount of finance directed more towards the production sector, to increase the Islamic banking industry's market share in both countries.

The Analysis of Inflation Effect, Interest Rate and Exchange Rate on Financing: Third-Party Funds as an Intervening Variable of Sharia Banking in Indonesia Bawono, Anton; Ulinnuha, Ulinnuha; Nasikin, Muhammad Kava
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

The purpose of this study was to determine the effect of inflation, interest rate and the exchange rate on financing, with third-party funds sharia banking as an intervening variable in Indonesia. This research uses quantitative research using path analysis as data analysis. The data of this study uses secondary data with the time series method which includes of total financing, mudharabah financing, musyarakah financing, murabahah financing, third-party funds, inflation, interest rates, exchange rate. The data have been obtained and analyzed using Eviews software tool version 6.The results of this study indicate that inflation, interest rates have not effect on total financing, mudharabah financing, musyarakah financing and murabahah financing. Exchange rate have a negativ and significant effect on musyarakah financing and have a positiv and significant effect on murabahah financing. Third-party funds have a positive and significant effect on total of financing, mudharabah financing, musyarakah financing and murabahah financing. The results of path analysis show that Third-Party funds cannot mediate the effect of inflation, interest rates and exchange rates the total financing, mudharabah financing, musyarakah financing and murabahah financing.

The Internalisation of Hisbah Principles in OJK Regulations on Islamic Banking Compliance Supervision Nurhasanah, Neneng
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

One of OJK duties and authorities is to supervise sharia compliance of Islamic banking operations in Indonesia. However, this role is still not optimal to conduct because the existence of DPS is considered sufficient to perform it. This study aimed to examine OJK arrangement on Islamic banking compliance supervision, adjustment on Islamic compliance supervision after switching from BI to OJK, and internalisation of hisbah principles in these regulations. This research used the normative juridical method, compiled positive law related to Islamic Banking supervision and compared it with hisbah principles implemented in the Islamic governance history as a basis for supervision internalised in OJK regulations and legislation. The result showed that (1) OJK regulates Islamic Banking compliance supervision through the rules of DPS establishment in Islamic Banking as the responsible party, received the DPS and SKAI reports periodically, and conducted audits by sampling on the application of sharia aspects; (2) several Islamic Banking supervision regulations still require harmonisation, especially those issued by BI; (3) five hisbah principles exist in the OJK regulations: transparency, accountability, responsibility, professionalism, and fairness.

Revisiting the Idealism of Syariah Audit for Islamic Financial Institutions Mulyany, Ratna; Furqani, Hafas; Ibrahim, Shahul Hameed Mohamed; Hamoudah, Manal Mohammed
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

The rapid development of syariah audit goes hand in hand with demands for governance of syariah compliance that promotes accountability and transparency. From its inception, syariah audit as a concept has been interpreted and practiced from various perspectives. This research aims to conceptually revisit the ideal conception of syariah audit by looking back at its root, discussing the emergence, meaning, characteristics, and issues of syariah audit. This study demonstrates the need for more holistic development of the conceptual framework for the syariah audit. It consists of defining subject appropriately, standardising the qualification and competence requirements for syariah certified auditors, regulating who should appoint syariah auditors, identifying the scope and extent of syariah audit, establishing the regulatory body forsyariah audit, and enforcing the dedicated standards for syariah audit.Â

EFISIENSI PEGADAIAN SYARIAH DAN PROSPEK PERTUMBUHAN ASET DI INDONESIA Roikhan Roikhan
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

The purpose of this study is to analyze the efficiency of Islamic Pawnshop together with four competitors and analyze the prospects for assets growth of the Islamic pawnshop in Indonesia. This study is quantitative analyze research with secondary data of annual financial statements from the Islamic Pawnshop and four competitors during 2008-2014. The sampling technique is the purposive sampling with sample of the Islamic Pawnshop and four competitors in Indonesia. This study uses analysis efficiency of the Data Envelopment Analysis method. Input variables are: the load bonus, deposit wadiah, general and administrative expenses, salaries and allowances, and other expenses, and the output variables are: murabaha margin revenue, other services revenues, and loan qardh. Then this study uses analyze prospects based on System Dynamics methods. The results showed efficiency of Islamic Pawnshop can reach value of 100 percent for 2008-2014 compared to its competitors that reach only 97.42 percent. And the prospect of an asset for Islamic Pawnshop can get optimistically in 2025 to reach Rp 116 trillion in the presence of inorganic action.

ANALISIS PENGARUH FAKTOR EKSTERNAL DAN INTERNAL PERBANKAN TERHADAP LIKUIDITAS PERBANKAN SYARIAH DI INDONESIAPERIODE JANUARI 2003 OKTOBER 2015 Lina Nugraha Rani
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

Liquidity is the fulfillment of bank liabilities that must be considered in the Islamic banking operations and errors in the management of liquidity can cause loss of Islamic banking which have an impact on the decline for the profit sharing to deposits customers and shareholders of Islamic banking. This study was to investigate the influence of external factors (Economic Performance (EK), inflation (INF), the Global Financial Crisis (D07)) and internal (Non Performing Financing (NPF) and Rate of Return (Deposit)of banks to liquidity (FDR) of Sharia Banking in Indonesia.Data were collected on a monthly basis from January 2003 - October 2015 times series data are tested by unit root and cointegration using Eviews 6.1. to determine the relationship between the variables in the long run.Based on the results of cointegration tests indicate that in long term relationships, NPF and EK variables have a significant and negative influence on the FDR, RRD variables have significant and positive influence on the FDR while variable INF and D07 does not have a significant influence on the FDR. It can be concluded that the Islamic banking must pay attention to the increase in marketing of Islamic banking products to increase liquidity despite good economic conditions and lower financing problems to increase the liquidity of Islamic banking.

POTENSI DAN REALISASI DANA ZAKAT INDONESIA Clarashinta Canggih; Khusnul Fikriyah; Ach. Yasin
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

This paper aims to find out illustration and estimation of zakat potency as well as the amount of zakat collection in Indonesia. Furthermore, it aims to outline the diversity between potency and realization of zakat. It used quantitative descriptive approach through secondary data collection from several sources. The result shows both potency and realization of zakat collection in Indonesia were increasing during 2011-2015. However, the amount of zakat potency surpasses the amount of zakat realization with wide gap.It shows that the average amount of zakat collection on 2011-2015 is less than 1% compare to its potency. One of the possible reason is most of Indonesian prefer to distribute their zakat directly to the muzakki, hence it is unrecorded.

ANALISIS STRATEGI DAN EVALUASI KINERJA PENGENTASAN KEMISKINAN DALAM PROGRAM PEMBANGUNAN DESA PERSPEKTIF EKONOMI MIKRO ISLAM Zakiyah Zakiyah; Atika Zahra Maulida
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

The purpose of this study is for knowing the strategy of economic development in the village used in poverty reduction particularly in Nagara, Hulu Sungai Selatan, reviewed in perspective of micro Islam economic.The method of this research is qualitative research with the descriptive approach. Where data used is the primary data and secondary data.The results of this research are to improve the availability of distribution and expansion of various daily needs products such as health, food and clothing. Improved the life that is not only for the income, but also includes the addition of the provision of employment, improved the quality of education, and increased the cultural values and humanity. The expansion of economic and social to every individu and the whole nation. Rural development program understanding how to implement and empowering communities in any development activities, facilities, and infrastructures with a did the creativity trainings that aimed to ealleviate poverty.

ANALISIS PEMBAYARAN PREMI DALAM ASURANSI SYARIAH Agus Purnomo
al-Uqud : Journal of Islamic Economics Vol. 1 No. 1 (2017): Januari
Publisher : Universitas Negeri Surabaya

The purpose of this study to analyze the model of calculating rates of the premium insurance on savings and non-savings products to segmentation market and the profit. The method of this study used the descriptive qualitative.Related to characteristics of the product for saving products more appropriate to applied to individu segmentation, whereas the non-saving product more appropriate if marketed to groups or companies. Companies that invest on high rate of return will use a relatively of smaller debt. The high rate of return will allow them to fund the majority of the finance when they need with the funds that obtained from internal activities.

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Contact Name
-

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Journal Mail Official
jurnal.al-uqud@unesa.ac.id

Editorial Address
campus Ketintang Surabaya 60231

Location
Kota surabaya,

Jawa timur

INDONESIA