Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah (Muqtasid), with registered number ISSN 2087-7013 (Print) and ISSN 2527-8304 (Online), is a peer-reviewed journal published two times a year (January-June, and July-December) by Faculty of Islamic Economics and Business, IAIN Salatiga. Muqtasid is intended to be the journal for publishing articles reporting the results of research on Islamic Economics and Banking.
Articles
185 Documents
<![CDATA[The Influence of Transformational Leadership, Work Environment, and Religiosity toward Employee Loyalty of IAIN Salatiga ]]>
<![CDATA[Endah Nur Fitriyani]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v9i1.29-39
<![CDATA[AbstractThis study aims at determining the effect of transformational leadership, work environment and religiosity toward employee loyalty. The type of research used is survey research with quantitative approach. Population and sample in this research are civil servant employees of IAIN Salatiga amounting to 54 people. Methods of data collection in this study using questionnaires. The results from multiple regression analysis obtained results for transformational leadership variable does not have a significant impact on employee loyalty; work environment variable has no significant effect on employee loyalty; religiosity variable has a positive influence on employee loyalty; and transformational leadership, work environment, and religiosity simultaneously have a significant effect on employee loyalty. The value of Adjusted R Square is 0.922 which means that 92.2% variance of loyalty can be explained by the variance of the three independent variables: transformational leadership, work environment, and religiosity.AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh kepemimpinan transformasional, lingkungan kerja dan religiusitas terhadap loyalitas karyawan. Jenis penelitian yang digunakan adalah penelitian survey dengan pendekatan kuantitatif. Populasi dan sampel dalam penelitian ini adalah karyawan PNS IAIN Salatiga yang berjumlah 54 orang. Metode pengumpulan data dalam penelitian ini menggunakan kuesioner. Dari hasil analisis regresi berganda diperoleh hasil untuk variabel kepemimpinan transformasional tidak berpengauh secara signifikan terhadap loyalitas karyawan; variabel lingkungan kerja tidak berpengaruh secara signifikan terhadap loyalitas karyawan; variabel religiusitas memiliki pengaruh positif terhadap loyalitas karyawan; dan kepemimpinan transformasional, lingkungan kerja dan religiusitas secara simultan berpengaruh signifikan terhadap loyalitas karyawan. Besarnya nilai Adjusted R Square adalah 0,922 yang berarti bahwa 92,2% varians loyalitas dapat dijelaskan varians dari ketiga variabel independen: kepemimpinan transformasional, lingkungan kerja, dan religiusitas]]>
<![CDATA[Letter of Credit (L/C) dalam Produk Bank Syariah ]]>
<![CDATA[Khoiruddin Khoiruddin]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v1i2.323-344
<![CDATA[The existence of letter of credit which is really accordance with Islamicsyariah principles has been waited by moslem bussinessmen who want torun their religion values in all their life. The conventional L/C is consideredas on syariah L/C due to its practice still applicates the interest system. Theregulation of L/C Syariah has been existed in Act No. 21/2008 concerningPerbankan Syariah, in article 19 p, and long before the act was made, theexistence of L/C Syariah has been mentioned in Fatwa Dewan SyariahNasional MUI NO.34/DSN-MUI/IX/2002 concerning L/C Impor Syariah andFatwa Dewan Syariah Nasional MUI No. 35/DSN-MUI/IX/2002 concerningL/C Ekspor Syariah. L/C Syariah can applicate some models of akads/contracts, such as: wakalah bi al-ujrah, qard, murabahah, salam/istisna’,mudarabah, musharakah, hawalah and al-bai’. From the variety of contractmodels which can be applicated to the L/C Syariah, wakalah bi al-ujrah andmurabahah are considered as the most efficient, safest, and the most minimumrisky. Wakalah bi al-ujrah and murabahah are also an agreement that closestto the goal of L/C existence, that is: makes the international trade processbecome easier]]>
<![CDATA[Pengaruh Komitmen Organisasional dan Etika Kerja Islami terhadap Performansi Kerja Para Staf Pengajar pada Perguruan Tinggi di Surakarta dengan Basis Institusi sebagai Variabel Moderator ]]>
<![CDATA[Amin Wahyudi]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v3i1.73-89
<![CDATA[The purposes of this study are: (1) examine the impact of organizationalcommitment to job performance of faculty member in Surakarta; (2) examine the impact of Islamic work ethic to job performance; and (3) examine the moderation role of institutional-base on the impact of Islamic work ethic to job performance. The results show that organizational commitment and Islamic work ethic had significance effect to job performance, but institutional-based had no moderating role in the effect of Islamic work ethic to job performance]]>
<![CDATA[Implementasi Akad Produk Tabungan Rencana di PT. Bank Syariah Mega Indonesia Gallery Cianjur ]]>
<![CDATA[Muhammad Wanto]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v5i1.75-97
<![CDATA[Mudharabah savings is one product collector of funds applied to PT. BankSyariah Mega Indonesia Gallery Cianjur which one is the product SavingsPlan. On the product Savings Plan in PT. Bank Syariah Mega Indonesia GalleryCianjur use mudharabah product and in doing transactions through bookSavings Savings Plan Home / parent who uses contract wadiah. That mechanism Savings Plan held by PT. Bank Syariah Mega IndonesiaGallery Cianjur is (1) Fill out the application form Individual customers /Institutions; (2) Fill out the contract form wadiah (primary Savings); (3) Fillout the deposit slip early; (4) Fill out the form mudharabah (Savings Plan); (5)Customer Savings Plan (mudharabah) regularly to conduct the transactionto go through Main Savings account book / parent use wadiah agreement;(6) Facilities Savings Plan that is certified as proof of ownership savingsand checking account books as a book report. Legal basis in the productSavings Plan (mudharabah) No DSN. 02/DSNMUI/IV/2000 on Saving.In perspective muamalah two covenants in the transaction was prohibited.In practice the contract products Savings Plan (mudharabah) it looks likethere are two covenants in the transaction, the results of that research in thecontract mechanism problems Savings Plan product in PT. Bank SyariahMega Indonesia Gallery Cianjur is procedural only from banks and are inaccordance with the fatwa of DSN No.02 and there are no violations in fikihmuamalah.]]>
<![CDATA[PERSEPSI PELAKU BISNIS SPBU DI KABUPATEN KUDUS TERHADAP ETIKA BISNIS ISLAM ]]>
<![CDATA[M Arif Hakim]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v4i2.267-285
<![CDATA[This research aims to (1) examine empirically the relationship between ethics system options with urgency ethics in business, and (2) empirically examine differences in perceptions of gas stations businessmen in the district Kudus on the relationship between ethics and business.While the benefits are (1) to provide empirical evidence of the differences in perceptions of gas stations businessmen in the district Kudus on the relationship between ethics and business, and (2) to contribute ideas for gas stations businessmen in the district Kudus in conducting business activities and strategies.Based on the discussion in this research it can be concluded that (1) there is a very strong relationship, direct and significant between these two variables, ethics system options with urgency ethics in business; (2) there was no significant difference between the perceptions of gas stations businessmen in the district Kudus on the relationship between ethics and business.]]>
<![CDATA[Pengaruh Total Quality Management (TQM) terhadap Kinerja Karyawan di BMT Taruna Sejahtera Ungaran, Jawa Tengah ]]>
<![CDATA[Abdul Aziz Nugraha Pratama]]>;
<![CDATA[Fira Nur Maghfiroh]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v7i1.93-117
<![CDATA[The purpose of this study is to determine the level of TQM and performance in BMT Youth Welfare as well as to determine the effect of TQM on performancein BMT Youth Welfare. Methods of data collection was conducted through a questionnaire distributed to employees of BMT Youth Welfare. Samples is taken as many as 85 respondents by random sampling technique. The data obtained and analyzed using SPSS version 18. This analysis includes test reliability,validity, regression, statistical test through t-test, F-test well as the determinant coefficient (R2) and classical assumptions test. T-test test results showed that the obsession with quality, scientific approach, education and training, freedom of control, involvement and empowerment of employees partially positive and significant influence on employee performance. F-test test showed an obsession with quality, scientific approach, education and training, freedom of control, involvement and empowerment of employees simultaneously significant effect on the performance of employees with effect as of sisianya 89.3% 10.7% influenced by other variables outside the model]]>
<![CDATA[Konsep Awal Islamic Corporate Governance: Peluang Penelitian yang Akan Datang ]]>
<![CDATA[Hikmah Endraswati]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v6i2.89-108
<![CDATA[The purpose of this article is giving the basic concept of Islamic corporategovernance with the four leadership principles namely shiddiq, amanah, tablig, and fathanah. Next research and exploration about the conceptual of Islamic corporate governance is very important to be done because this research is still rare. The opportunity for future researcher in this topic is discussed in this paper.Tujuan dari artikel ini adalah untuk memberi konsep dasar mengenai IslamicCorporate Governance dengan menggunakan empat prinsip kepemimpinan yaitu, siddiq, amanah, tablig, dan fathanah. Penelitian ini masih tergolong langka sehingga konsep islam perlu dilakukan. Kesempatan bagi peneliti dimasa mendatang dalam topic ini dibahas dalam penelitian ini.]]>
<![CDATA[Gold Pawn Contribution to Fee-based Income ]]>
<![CDATA[Nikmatul Masruroh]]>;
<![CDATA[Qurrotul Aini]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v8i2.130-140
<![CDATA[Gold pawn is one of sharia bank products that may provide additional income to the bank. Additional income can be included in fee-based income. However, in the implementation of the sale of gold pawn, not all sharia banks are lucky and feel its contribution. Bank Syariah Mandiri is a bank that is able to maintain gold pawn as one of its products in contributing income to fee-based income. Therefore, this paper discussed more about what the contribution of gold pawn to fee-basedincome and how the implementation of procedure so that this product can contribute to fee-based income for Bank Mandiri Syariah. These problems were investigated using a qualitative approach. Methods of collecting data used in this study were observation, interview and documentation. The data was analyzed descriptively. The data validity used in this study was triangulation technique.Research findings showed that the gold pawn has a contribution in the form of rental income or produced from ujroh. Ujroh is then entered into fee-based income.The transaction process of gold pawn was done by using covenant of rahn, qardh and ijara or in legal term called hybrid contract. Gadai emas salah satu produk bank Syariah yang bisa memberikan tambahan pendapatan pada bank. Tambahan pendapatan tersebut bisa masuk pada fee based income. Akan teta pi, dalam pelaksanaan penjualan gadai emas, tidak semua bank Syariah beruntung dan merasakan kontribusi dari produk gadai emas. Bank Syariah Mandiri adalah bank yang mampu mempertahankan gadai emas sebagai salah satu produknya dalam menyumbang pendapatan pada fee based income. Oleh karena itu, tulisan ini mengungkap lebih jauh mengenai apa sebenarnya kontribusi gadai emas terhadap fee based income dan bagaimana prosedur pelaksanaannya sehingga produk ini bisa memberikan kontribusi terhadap fee based income bank Syariah Mandiri. Persoalan ini diteliti menggunakan pendekatan kualitatif, jenis studi kasus. Teknik pengumpulan data yang digunakan observasi, wawancara dan dokumentasi. Analisis data yang dilakukan yaitu analisis deskriptif, dengan menggambarkan secara gamblang hasil penelitian dan dianalisis secara menyeluruh.Teknik uji validitas data menggunakan triangulasi sumber. Dari metode tersebut, hasil penelitian menyatakan bahwa gadai emas memiliki kontribusi berupa pendapatan sewa atau berasal dari ujroh. Ujroh tersebut yang kemudian masuk menjadi fee based income. Proses pelaksanaan gadai emas dilakukan dengan akad rahn, qardh dan ijarah atau dalam istilah hukum disebut hybridcontract.]]>
<![CDATA[Ekonomi Islam: Solusi terhadap Berbagai Permasalahan Sosial-Ekonomi ]]>
<![CDATA[Syaparuddin Syaparuddin]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v1i1.19-37
<![CDATA[The goal of this article is to find some solutions to recover sosial-economicproblems. It's focusing on Islamic economc concept. The history showed that theIslamic economic system was very effective to recover many kinds of socialeconomicproblems, because it was implemented according to Alquran andHadith. It means that if Islamic economy is implemented well and truely, manycrucial social-economic problems can be anticipated. In short, Islamic economycan be made as a means to increase society's welfare. so that any social-economicproblems won't apprear if Islamic economy is implemented well and truely.Keywords: Social-economic problems, Islamic Economic, solutions]]>
<![CDATA[Perception, Preference and Attitude of Nahdlatul Ulama and Muhammadiyah Committee toward Islamic Bank in Indonesia ]]>
<![CDATA[Hamdan Yuafi]]>;
<![CDATA[Lailatu Dhilkhijjah]]>;
<![CDATA[Siti Solikhah]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v7i2.51-72
<![CDATA[This research is conducted among Islamic non-governmental organizations;those are Nahdlatul Ulama and Muhammadiyah. This research aims todetermine the perception (X1), preference (X2), and attitude (X3) of Islamicmass organizations or non-governmental organizations in Indonesia towardIslamic Banking and their decision (Y) of using the products of IslamicBanking or Islamic Financial Institutions. We took Branch Board of NahdlatulUlama (PCNU) and the Regional Committee of Muhammadiyyah (PDM)Salatiga as population. The sample in this research is 33 respondents. Thetechniques used are multiple regression analysis and independent sample ttest.Regression result shows that the preference variables have positive and significant effect on customer’s decision variables. While the perceptionand preference variables do not have a positive and significant effect on thedecision in becoming customer. And the adjusted R square or determinationcoefficient valued 0.690, which means that 69.0% of dependent variable(Y) is affected by the independent variable (X), while 31% dependent variable(Y) is influenced by other variables outside the equation. And the last, independent sample t-test shows that there is no significant differencebetween PCNU and PDM Salatiga in their perception, preference, attitudeand decision toward Islamic Banking ]]>
