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Journal of Islamic Economic Laws

jisel
Website

Published by Universitas Muhammadiyah Surakarta

ISSN : 26559609 EISSN : 26559617 DOI : -

Core Subject : Economy, Humanities, Art, Social,

Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

The Journal of Islamic Economic Laws is intended to be a media for disseminating results of researches and an exchange of Indonesian scientific work among academics, practitioners, regulators, and the public. The Journal of Islamic Economic Laws covers a variety of research approaches, namely quantitative, qualitative and mixed methods. The Journal of Islamic Economic Laws focuses on various themes, topics, and legal aspects in Islamic economics, including (but not limited to) the following topics: -Laws of civil proceedings -Inheritance law -Muamalah law -Sharia banking regulation -Marriage law -Insurance law and reinsurance -Regulation of zakat -Law guarantee -The law of Sharia financial institutions -Business law contract -Legal endowments -Laws of electronic transactions

Arjuna Subject : -

Articles 89 Documents

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Analysis of Factors Affecting Islamic Insurance Profitability (Case Study Of Sinar Mas Islamic Insurance Period 2011-2017) Nurbaya, Siti; Alam, Azhar
Journal of Islamic Economic Laws Vol 2, No 2 (2019): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

Profitability is one benchmark to show a company operational performance. Various factors influence the amount of profitability. This research aims to analyze the influence of the amount of premium income, total investment, claims expense and operational costs on the profitability gained during the period 2011-2017. This paper conducts multiple linear analysis, namely OLS (Ordinary Least Square) with secondary data in the form of time-series data. The results of the t-test indicate that the claims expense variable has a negative and significant effect. Meanwhile, the operational cost variable has a positive and significant impact. On the contrary, the premium variable and the amount of investment both have a positive but not significant effect. Moreover, the results of the F test show that the variables of premium, investment, claims expense and operating costs have a considerable impact on the profitability of Sinar Mas Islamic Insurance.

Fiduciary Dispute Settlement of Murabaha Contract in PT. Al-Ijarah Indonesia Finance Wijayanti, Riska; Vanni, Kartika Marella
Journal of Islamic Economic Laws Vol 2, No 2 (2019): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

This study examines the authority of dispute settlement body of a bad financing in murabaha contracts with a collateral of Daihatsu VVTI car 13 XI DLX Year 2011 midnight black color. According to DSN Fatwa Number 04/DSN-MUI/IV/2000 concerning Murabaha the placement of fiduciary on murabaha contract objects is indeed permissible, but it becomes ambiguous when murabaha objects which are used as collateral in the financing process that have not been repaid are lost, causing late installment payments. The customer argued that the late payment was due to the embezzlement of murabaha objects by third parties beyond the expectations or control of the customer. This study also examines the legal liability for late settlement of murabaha sale and purchase by customers due to the loss of murabaha objects which at the same time become collateral in murabaha financing contracts. This research is normative legal research with a legal approach and a case approach. This study concludes that Religious Courts have the authority to decide disputes that occur between customers (mushtari) and sharia financial institutions (?ahib al-m?l) for late repayment of murabaha financing. Based on the principle of accountability based on the element of error, the customer (mushtari) has legal responsibility for his actions. Errors made by customers (mushtari) are in the form of negligence.

Analysis Of Effect Of ZIS (Zakat, Infaq, And Shadaqah), Regional Domestic Products Of Bruto, Regional Minimum Wage And Inflation On Levels Poverty In Indonesia 2012 â€“ 2016 Mustika, Fiky Nila; Setyowati, Eni; Alam, Azhar
Journal of Islamic Economic Laws Vol 2, No 2 (2019): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

This study investigated the impact of ZIS (Zakat, Infaq, and Sadaqah) Gross Regional Domestic Products, Regional Minimum Wages, and Inflation on Poverty Levels in Indonesia during the 2012-2016 period. .This paper used secondary data in the panel data form. This research conducted a quantitative approach using panel data regression. Based on the results of the panel data testing, the best model chosen is the Random Effect Model (REM). Variables of gross regional domestic products and regional minimum wages have a significant effect on poverty levels in Indonesia while the variables of zakat, infaq, and shadaqah (ZIS) and inflation do not influence the level of poverty in Indonesia.

Inacoin Cryptocurrency Analysis: An Islamic Law Perspective Windiastuti, Filka Catur; Athief, Fauzul Hanif Noor
Journal of Islamic Economic Laws Vol 2, No 2 (2019): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

The existence of money makes buying and selling activity easier than the barter system. However, the increasing globalization of the world economy demands speed accelaration, ease and security of financial transactions. The discovery of cryptocurrency provides solution for the current payment system which relies highly on the third party in conducting digital transactions. One of those cryptocurrency products is Inacoin which is originated from Indonesia. Because this cryptocurrency is a contemporary problem that cannot be concluded directly from the classical fiqh book, a thorough investigation is needed to obtain the validity of this money from Islamic perspective. This research is a qualitative research that uses multimethod of normative-empirical Islamic law perspective in discussing the aforementioned problem. This study concluded that the existence of Inacoin cannot be accepted as money since there are Islamic requirements or criteria that are not met. In addition, the use of Inacoin is mostly for trading commodity, not as money. The Inacoin trade is legitimate but unlawful, because Inacoin has fulfilled the pillars and requirements of the Al-?arf, yet contradicted some Islamic principal such as maisir, gharar, and possibility of harming its user

Murabaha Dispute Settelement In A Sharia Rural Bank of Klaten Dzatihanani, Rifanatus Sarah; Rosyadi, Imron
Journal of Islamic Economic Laws Vol 2, No 2 (2019): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

In August 2018 the Religious Court accepted the Sharia Rural Bank Al-Mabrur, located in the city of Klaten, application as plaintiff under number 1135 / Pdt.G / 2018 / PA / Klt. They sued Tri Suyatmi and Panut Basuki, for their violation of disobeying the Murabaha contract number: 2414 / APJBM / AL MABRUR / VI / 2017. Based on the case above, a review of decision number 1135 / Pdt.g / 2018 / PA.Klt will be examined. In this article, we will review first of all, what is the basis for the consideration of the Klaten Religious Court judges in completing case number 1135 / Pdt.g / 2018 / PA.Klt. Secondly, Is the Religious Court judge's decision regarding the Murabaha contract in the Sharia Rural Bank Al-Mabrur in accordance with the DSN-MUI Fatwa? This research is a type of qualitative research, which uses an evaluative method that is by measuring certain benefits and activities, as well as collecting and analyzing data systematically to determine the value or benefits of the contents of decision file number 1135 / Pdt.g / 2018 / PA.Klt. The data were obtained from observations, interviews with Judges and Clerks of the Klaten Religious Court, and documents in the Religious Courts. Based on the results of the study it can be concluded that: 1) Judge's decision on case number 1135 / Pdt.g / 2018 / PA.Klt is to declare legal Murabaha contract number 2414 / APJBM / AL MABRUR / VI / 2017, 2) Defendant is proven to have defaulted and must pay material compensation of Rp. 36,269,864 and pay the costs of the case, 3) The legal basis used by the Panel of Judges in setting decisions is in accordance with Islamic Economic Law, namely using the Fatwa of the Sharia Council of the Indonesian Ulema Council (DSN-MUI) concerning the Murabaha contract

ECONOMIC EMPOWERMENT OF PESANTREN THROUGH AGRIBUSINESS (STUDY ON AL-MAWADDAH ENTREPRENEURIAL PESANTREN) Mustaghfiri, Muhammad Baqi
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

This paper aims for several research objectives. It aims to find out the agribusiness sectors developed by Al-Mawaddah Entrepreneurial Pesantren. It also aims to find out the empowerment of agribusiness developed by this pesantren. Last, it also aims to determine the impact of empowering agribusiness developed on improving the economy Al-Mawaddah Entrepreneurial Pesantren?s alumni. This research is a field research. The approach used by researcher is a qualitative descriptive approach with a case study strategy. Research location is at Pesantren Entrepreneur Al-Mawaddah Honggosoco Kudus RT. 06/ RW. 01, Jekulo District, Kudus Regency. Data collection techniques used are observation, interviews, and documentation. The data analysis technique used is descriptive qualitative. The results show that: (1) the agribusiness sector that was developed at Al-Mawaddah Entrepreneurial Pesantren touched only agriculture and educational sectors. It yet touches other agribusiness sectors, such as fisheries or livestock. The agricultural sector developed includes: agricultural food crops, such as: rice, corn, soybeans, vegetables, and cassava, fruit crops, such as: longan, and dragon fruit. They even plant within the premise sugar cane plantation; (2) Agribusiness Empowerment developed by Al-Mawaddah Entrepreneurial Pesantren consists of three stages, namely: input, process, and output; (3) Agribusiness entrepreneurship is better than working under other people (companies) because apart from freedom, the income generated is also higher.

MACRO VARIABLE EFFECT ANALYSIS AND NON-PERFORMING FINANCING (NPF) AGAINST THE RETURN ON ASSET (ROA) ISLAMIC BANKS IN INDONESIA YEAR 2008-2017 Qolbi, Fikri Ainul; Karisma, Dwi Pratika; Rosyadi, Imron
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

Islamic Banks is a business entity that raises and distributes funds from the community and for the community. The study was conducted to analyze the macro variables and NPF (Non-Performing Finance) to ROA (Return on Assets) to determine the relationship between short-term and long-term between variables. The analysis model used is the Eagle Granger ECM Stage Two test that uses secondary data from the serial data (time series). The results of this study indicate that NPF simultaneously, GDP, and interest rates affect the ROA. Partially GDP positive and significant effects in the long term and short term, NPF positive and significant effect in the long term, interest rate, and no significant positive effect on ROA.

FACTORS INFLUENCING THE PREFERENCE OF CUSTOMERS TOWARDS ISLAMIC BANKING: EVIDENCE FROM MALAYSIA Dawami, Qosdan
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

The purpose of this research is to investigate the pivotal determinants influencing the consumer?s preference towards the products and services of Islamic banking, apart from reviewing previous studies that considered perceived religiosity has an intense relationship with the individual?s intention and attitude. Moreover, this study also examines the direct relationship between the preference of customers and the Service quality offered by Islamic banks. This study utilized quantitative approach through conducting a survey to 60 students of International Islamic University Malaysia from various departments. Correlation and regression will be applied for data analysis. The result of the study indicated that the Attitude and the Service quality offered by Islamic banks are the major determinants influencing the customers? behaviour towards Islamic banking. On the other hand, the Image of the bank and the Religiosity were determining insignificantly to the intentions of customers to choose its products and services.Keywords ? Islamic banking, Religiosity, Customer behaviour and Shariah Compliance.

ANALYSIS OF THE EFFICIENCY LEVEL OF SHARIA RURAL FINANCING BANK (SRFB ) USING DATA ENVELOPMENT ANALYSIS (DEA) Mariana, Leyla; Harun, Harun
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

This research aims to analyze the efficiency level of Sharia Rural Financing Bank (SRFB) in Surakarta. This study used data from four Rural Sharia Banks taken from www.ojk.co.id, which published its annual report. This study conducted input-output variables with the Data Envelopment Analysis (DEA) method as a tool of analysis. The results of the research showed that the SRFB Dana Amanah is indicated as efficient during the 2017 period. The other three are indicated as inefficient in the last quarter. The inefficiency source came from its operational cost and its incapability to get higher output.

THE APPLICATION OF MASLAHAH MURSALAH IN A MEDIATION PROCESS BETWEEN DISPUTANT PARTIES Prastyo, Andika Catur
Journal of Islamic Economic Laws Vol 3, No 1 (2020): Journal of Islamic Economic Laws
Publisher : Muhammadiyah University Press

The purpose of this study is to explore how is the mediation process in the Sragen District Court ta in Sharia economic disputes. It also seeks to determine the suitability of the mediation process in terms of the Maslahah Mursalah. This research is a field research with a qualitative approach. The data source of this study consists of primary data and secondary data. The location of this study is in Sragen District Court. Data collection techniques in this study were using documentation and interviews. This study shows that the mediation process in Islamic economic disputes is not much different from other disputes. This research also reveals that there is a non-compliance with the existing regulations, i.e that peace which is carried out by the parties occurs outside the court and there is no Peace Act. Based on this, it will lead to a different legal effect

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Muhammad Hanif al Hakim

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Muhammad Hanif al Hakim

Contact Email mha961@ums.ac.id

Phone -

Journal Mail Official jisel@ums.ac.id

Editorial Address -

Location Kota surakarta, Jawa tengah INDONESIA

Abstract

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Abstract

Contact Name
Muhammad Hanif al Hakim

Contact Email
mha961@ums.ac.id

Phone
-

Journal Mail Official
jisel@ums.ac.id

Editorial Address
-

Location
Kota surakarta,

Jawa tengah

INDONESIA