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Al-Muzara'ah

jalmuzaraah
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Published by Institut Pertanian Bogor

ISSN : 23376333 EISSN : 26157659 DOI : 10.29244/jam

Core Subject : Economy, Education,

Economics, Econometrics & Finance Other

Al-Muzara'ah â€“Journal of Islamic Economics and Finance, is a collaborative journal of the Department of Islamic Economics, Bogor Agricultural University with the Indonesian Association of Islamic Economist (IAEI). The aim of the journal is to communicate and as the media of academic socialization by providing a platform for publication of research in the fields of Islamic economics, finance, microfinance, banking, insurance, halal industry, social finance and poverty alleviation, law and sharia issues in economics and finance, capital market, and other topics related to this area.

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Articles 183 Documents

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Pemilihan Metode Spin Off Unit Bisnis Syariah Dengan Pendekatan Analisa Faktor (Studi Kasus PT. BNI Syariah dan PT. Bank Syariah BRI) Amzul Rifin; Imam T Saptono; H R Dewati
AL-MUZARA'AH Vol. 3 No. 2 (2015): AL-MUZARA'AH (December 2015)
Publisher : Department of Islamic Economics, IPB University

The banking sector in Indonesia is classified as a competitive economic sector. That condition force the bank management to implement appropriate strategies and innovation to improve the capability of the company and the quality of services offered. Of the various strategies available, spin-off considered as one of the strategies that are quite popular among banking companies. The implementation of spin-off in Sharia Business Unit (UUS) in Indonesia is carried out with the different method among Commercial Bank (BUK). The research focuses on 2 (two) alternative spin-off methods, which is spin-off through existing bodies and through the establishment of a new entity, with a case study of PT. Bank BRI Syariah and PT. Bank BNI Syariah. The data collection process in this paper is will be done through 2 stages. The first step is using factor analysis method to assign factors that are considered significant in spin-off process, and the second step to determine the factors that are more considered for different methods by using pairwise comparison method. The results show that there are 6 (six) factors considered in spin-off implementation, and there are differences in the factor that considered in spin-off implementation between Islamic Banks that was formed through existing bodies and through the establishment of a new entity.

Analisis Faktor-Faktor yang Memengaruhi Penghimpunan Wakaf Uang di Indonesia (Pendekatan Analytical Network Process) Khadijah Hasim; Deni Lubis; Khalifah Muhammad Ali
AL-MUZARA'AH Vol. 4 No. 2 (2016): AL-MUZARA'AH (December 2016)
Publisher : Department of Islamic Economics, IPB University

Indonesia is a country with the largest Muslim population in the world. The potential of Islamic financial instruments grows among the society, and one of them is cash waqf. Cash waqf already have a complete law and legal institutions, but there is a gap between the potency and the real data of cash waqf raising. The aim of this research is to analyze the condition of cash waqf raising and the factors affecting the level of cash waqf raising in Indonesia. Using Analytical Network Process (ANP), the factors that affect the level of cash waqf raising are divided into three aspects namely institutional, society, and government. The results show that the institutional aspect has the biggest impact affecting the level of cash waqf raising and the three most influential factors are the focus of nazhir institutions, the understanding of society about cash waqf, and completeness of the cash waqf law.

Penyusunan Anggaran Belanja Daerah Dengan Pendekatan Ad-Daruriyyat Al-Khams/Maqasid As-Syariah: Studi Kasus APBD Kabupaten Bogor Tahun 2011 Deni Lubis
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

The welfare of people in a certain area can be observed from the income and budget allocation. If the income of the local government will be high then the local community is prosperous citizens and vice versa. Budget allocation should be considered its effectiveness whether or not it is allocated for the welfare of the local citizens. According to As-Syatibi, human being have five besic needs or called as ad- daruriyyat al – khams. They are to keep or maintan the faith (religion), to maintan life, intellect, descent, and property. The concept of five basic needs is taken from the purpose of shariah revelation ar called as Maqasid As- Shari'ah. From these five basic needs it has to be observed whether a needs is included dharuriyat (primary), hajiyyat (secondary), or tahsiniyyat (luxuries). In the budget process, the budget allocation for maintenance of religion should be the highest priority, followed by life needs, maintenance of life, maintenance of descent, and the property maintenance. Consecutively this is consistent with the Government’s vision, which is to realize Bogor as pios self dependent and culture, rich city. This vision must be reflected Bogor district budget allocation. In general, Bogor district budget has been allocated to the five basic needs, but in terms of allocation still not in line with the concept of ad- daruriyyat al – khams. It is because some of the budget posts have been covered by central government, such as religious activity post by Ministry of Religious Affairs, law enforcement post by Ministry of Law and Human Rights, and security post by police and army.

Analisis Produk Deposito Mudharabah dan Penerapannya pada PT BPRS Amanah Ummah Siti Afifah; Ahmad Sobari; Hilman Hakiem
AL-MUZARA'AH Vol. 1 No. 2 (2013): AL-MUZARA'AH (December 2013)
Publisher : Department of Islamic Economics, IPB University

This paper attempts to analise the mudarabah fixed deposits product and its implementation in PT BPRS Amanah Ummah. This paper also tries to analise the nisbah examination on profit and loss sharing.The method used in this study is descriptive method. Fixed deposits account in PT BPRS Amanah Ummah has been known for its transaction using mudaraba contract. The contract, basically, involves two parties which have been working together as an investor (shahibul maal) and entrepreneur (mudharib) throughout the contract period. Bank has its own responsibility as the entrepreneur. The profit and loss are shared between them as stated in the contract and has been agreed by all involved parties.The proportion is indeed appeared as the result of bargaining process prior to the final agreement between them. If any loss occurred, the investor is the one who responsible on it. The entrepreneur is ‘only’ burdened on time and management loss. However, the situation may differ if the loss is caused by human error (the entrepreneur).

Analisis Pengaruh Pembiayaan Syariah terhadap Perkembangan Usaha Mikro Kecil Menengah di Kota Depok Aldesta Perwitasari Tunas; Lukytawati Anggraeni; Deni Lubis
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Micro, Small and Medium Enterprises (MSMEs) have an important role to economic growth. Most of MSMEs faced common problem, i.e lack of capital. Baitul Maal wat Tamwil (BMT) as a micro finance institution exists as an institution conducting the provision of financial services to micro and small entrepreneurs. This study analyzed MSMEs access to BMT and its impact on business development by using logistic regression and OLS (Ordinary Least Square). The analysis shows the factors that affect the access of MSMEs to Islamic micro finance of BMT are the business period, business turnover, total assets, and the amount of savings. The number of Islamic micro financing has a positive influence on the development of MSME business. Factors that affect the value of turnover are the frequency of the financing, the period of business, and the amount of financing.

Efektivitas Penerapan Bayar Pascapanen pada Pengembalian Pembiayaan Akad Murabahah Pertanian Padi di Baitul Maal wa Tamwil As Salam, Kramat, Demak Nana Rodiana; Nunung Nuryartono; Salahuddin El Ayyubi
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Agricultural crops greatly depends on the season, since the time of land preparation to harvest. Planting delays due to lack of capital, will result in crop failure or low crop productivity. Islamic microfinance institutions, such as BMT, offersmurabaha financing as one of financing options. Application of murabahais generally followed by monthly installment payments. The condition of most farmers doesn’t enable them to have enough income due to pay the main installments with a monthly period. Postharvest payment return system is an alternativemain return of financing. The research result showed the factors that influence farmers in choosing the monthly payment system and postharvest margins on murabaharice farming financing in BMT As Salam, Kramat, Demak using binary logistic regression. The analysis result showed the reason for choosing the payment system significantly influenced rice farmers choice. The chance of postharvest payment is acceptableaccording to the ability of most farmers. The effectiveness of postharvest payment return implementationonmurabaha rice farming financing was measured using a Likert scale. The results showed that postharvest paymentimplementation has been effective in all stages of financing and made a positive impact on farm members.

Analisis Penguraian Masalah pada Program Zakat Produktif Widya Francisca Fitriani; Anita Priantina
AL-MUZARA'AH Vol. 4 No. 2 (2016): AL-MUZARA'AH (December 2016)
Publisher : Department of Islamic Economics, IPB University

. Productive zakah program that run by BAZNAS and LAZ was a real contribution to reduced poverty. Productive zakat aimed to made mustahiq became more productive. However, these goals had not been achieved maximum. There were two main problems in running productive zakah program. They were problem from internal party of BAZNAS/LAZ and problem from external party of BAZNAS/LAZ. Among the internal problems were: 1) Immaturity of program planning, 2) Less of capable human resources, 3) No fixed success indicators. The external problems were: 1) Lack of zakat institution management, 2) Lack of entrepreneurial spirit among mustahiq, 3) Mustahiq was not understand about the rule of productive zakah program. This study concluded that the dominant problem was an internal problem of the BAZNAS / LAZ –with priority problem lied in 'immaturity of program planning'

Implikasi Proksi Aset, Profitabilitas dan Jenis Industri pada Islamic Social Reporting (ISR) Debby Faras Ayu; Dodik Siswantoro
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Jakarta Islamic Index (JII) is a reference for investors to place their fund in Indonesia Stock Exchange which is in line with Islamic teaching. It has a specific requirements (screening process) which must be passed by one stock to be included in JII. Nevertheless, the screening process of JII composition is seen to have limitations because the process is merely based on the quantitative and qualitative criteria. Therefore, this research explores and analyzes the deeper aspects (Othman, et al., 2009) which is called as Islamic Social Reporting (ISR). ISR analyzes the compliance to Islamic teaching application from the company perspective. The research period is from the year of 2006 until 2008, while the research sample is taken from companies listed in the JII. This research adopts full interaction model to determine significant factors of ISR. Previous research did not apply the interaction model theory, i.e. the Difference in Difference (DiD) theory1. It can show meaningful existence of dummy variable with other proxies. The proxies used in this study are industry type, company size, and profitability. The results show that there are no differences among the industry type, while the company size affects the ISR.

Akses UMKM Terhadap Pembiayaan Mikro Syariah dan Dampaknya Terhadap Perkembangan Usaha : Kasus BMT Tadbiirul Ummah, Kabupaten Bogor Lukytawati Anggraeni; Herdiana Puspitasari; Salahuddin El Ayyubi; Ranti Wiliasih
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Micro, Small and Medium Enterprises (MSMEs) have a big contribution for Indonesia's gross domestic product and employment. Most MSMEs face capital constraints and limited access to formal financial institutions. Baitul Maal Wat Tamwil (BMT), which is one of the Islamic microfinance institutions, can be a solution to capital constraints faced by MSMEs. The study aims to analyze the MSME access to get the financing and the impact of BMT to their business development. The primary data is obtained from interviewing 45 respondents, i.e 30 respondents who receive funding from the BMT and 15 controlled respondents who do not receive funding in Bogor. MSME access to the BMT Islamic financing is analyzed by logistic regression logit model while the method used is multiple linear regression of Ordinary Least Square (OLS) in order to analyze the impact of BMT on the development of business. Logit regression results indicate that dummy business type, age, business turnover and deposits dummy, are the factors influencing MSME access to BMT financing. BMT financing has increased the MSME profit by 6.21 percent with an average of Rp 79.12 million to Rp 84.03 million per year. Based on the results of multiple linear regression of OLS, BMT financing has positive and significant impact on the change in business profits.

Ekonomi Politik Kebijakan Pemerintah Kabupaten Cirebon dalam Peningkatan Sektor-Sektor Ekonomi Unggulan di Kabupaten Cirebon Ayu sri Utami Hendriani; Muhammad Findi Alexandi
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Economic growth is one of the main indicators reflecting the success of economic development. Basically, economic development is a series of efforts to raise incomes, to expand employment, to improve economic relations among the regions and to seek a shift of economic activity from the primary sector to the secondary sector even tertiary sector. Various economic sectors are interrelated with each other in order to promote economic growth in the region. It needs a great support from the central and local government, and also the stakeholders through regulation, so as to create prosperity for its people. This study analyzes the economic sectors in Cirebon Region which includes the leading sectors in the period 2005-2010. The data used are the West Java GDP and GDP of Cirebon in the 2005-2010 at constant prices of 2000 analyzed by Shift Share method (SS). Based on the analysis of the Shift Share method, leading sectors experiencing rapid growth are building/construction, trade, hotels and restaurants, transport and communications, finance, leasing and services companies. While the sector that has a good competitiveness is the services sector. Based on the results, the effective policy launched by the Cirebon Leader and its Government is considered as one of the main elements of Cirebon economic and local political stability.

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