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Muqtasid: Jurnal Ekonomi dan Perbankan Syariah

muqtasid
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Published by Institut Agama Islam Negeri Salatiga

ISSN : 20877013 EISSN : 25278304 DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

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.

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Articles 185 Documents

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Reaksi Masyarakat terhadap Produk Kepemilikan Logam Mulia (KLM) di BANK Syariah Heni Pratiwi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v4i1.75-105

Islamic Banking applies the pattern of gold investment, because of rapid development. This study aims to determine how the public reactions to KLM products in Islamic Banking and what preference drives people react positively or negatively to KLM products in Islamic Banking. This study is a qualitative research and the sampling was purposive sampling method. The data collection techniques is through distributing questionnaires to the respondents. The data analysis technique used is the descriptive statistical analysis techniques and analysis of discrimination. Based on the research results, the public reaction to the KLM product in Islamic Banking known at the high category (positive) with a yield of 72% of the 100 respondents. The results based onfive indicators of reaction, four indicators are at highlevel categories, ie: indicatorsof resources 59%, personal reference indicator 53%, culture indicator 61%, and theindicators of moral, economic, age 56%. While indicators of thoughts and feelingare at a low level category by 51%. Based on the results of discriminant analysis, itis known that the preferences that drive people react positively to KLM products inIslamic Banking are preference personal factors, resources, moral, economic, age,and culture. While the preference that encourage the public to react negatively isthought factor and feeling that on the lowest coefficient of discriminant analysis.

Analisis Pengaruh Kurs Rupiah, Laju Inﬂasi, Jumlah Uang Beredar dan Pertumbuhan Ekspor terhadap Total Pembiayaan Perbankan Syariah dengan Dana Pihak Ketiga sebagai Variabel Moderating Syukuri Ahmad Rifai; Helmi Susanti; Aisyah Setyaningrum
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

The purpose of this study was to determine the effect of the rupiah exchange rate, inflation, money supply and the growth of exports to total Islamic banking financing by using third party funds as a moderating variable. The population in this study is all Islamic banking in Indonesia both Islamic Banks or Business Unit of Sharia in 2007-2015. The sample is the entire population with time series data as much as 108 of data. The method used is multiple regression analysis. The results of this study showed that simultaneous variable rupiah exchange rate, inflation, the money supply and export growth significantly influence the total financing of Islamic banking in Indonesia. Meanwhile, third-party funds moderating influences the rupiah exchange rate, inflation and export growth to the total financing of Islamic banking in IndonesiaTujuan dari penelitian ini untuk mengetahui pengaruh kurs rupiah, inflasi, jumlah uang beredar dan pertumbuhan ekspor terhadap total pembiayaan perbankan syariah dengan menggunakan dana pihak ketiga sebagai variabel moderasi. Populasi dalam penelitian ini adalah seluruh perbankan syariah di Indonesia baik Bank Umum Syariah atau pun Unit Usaha Syariah tahun 2007-2015. Sampelnya adalah seluruh populasi dengan data time series sejumlah 108. Metode yang digunakan adalah analisis regresi berganda. Hasil penelitian ini menunjukkan bahwa secara simultan variabel kurs rupiah, inflasi, jumlah uang yang beredar dan pertumbuhan ekspor berpengaruh signifikan terhadap total pembiayaan perbankan syariah di Indonesia. Sedangkan, dana pihak ketiga memoderasi pengaruh kurs rupiah, inflasi dan pertumbuhan ekspor terhadap total pembiayaan perbankan syariah di Indonesia

Hak Kekayaan Intelektual (HaKI) dalam Perspektif Hukum Islam Mujahid Quraisy
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This research started from the need for appreciation to intellectuality, creativity and ideas of every individual, which is known as the Intellectual Property Rights (IPR). The problem arises when IPR was crashed with the mission of learning and empowerment for the benefit of the people. The result of this study was that intellectual property could become public goods if used as a means or tool to achieve the objectives of production, distribution and consumption in order to improve their quality. However, it is done without losing the identity of the inventor and the responsibility of government to procure. Intellectual property as private property becomes syubhat for others in taking it if it is associated with personal goals. In other words, the Intellectual Property becomes halal if it comes from the source of the original owner if it is given as a gift. It is becomes unlawful if it used in according with the goal for both commercial production and distribution levels

Analisis Pendapat Khalifah Umar Bin Khattab tentang Penundaan Penarikan Zakat Binatang Ternak Kambing yang Telah Mencapai Nisab Ahmad Munif
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Caliph Umar ibn al-Khat}t}ab had delayed withdrawal charity goats. Thoughthere are number of goats has reached nishab. It is applied to an area in theHejaz region whwn it was hit by drought. Of course this is being debated.Though Umar is one of the companions are known firm ini carrying out their religious duties. The results of this research are, first, the withdrawal delay zakat animals that have reached only apply to animals that have been hit by the famine years (ramadah). Umar’s policy gave alms to the people who have goats nishab number based on the condition of the person is also experiencing difficulties. One henred goat that he had no significant influence on survival at the time. Umar suspending withdrawal zakat to muzakki despite his wealth has reached nishab, due to difficulties and distress. Second, the vocabulary knowledge of fiqh, delay the withdrawal of zakat is must. Althought the jurist. Emphasizes that zakat is paid immediately. What is done by delaying the withdrawal of zakat Umar made one considered by some scholars to allow delaying the payment of zakat. And third, the condition of indonesia’s disaster-prone, makes delay the withdrawal of zakat by Umar could be pne of the considerations to delay payment of zakat to an area back to the state as usual.

Good Governance Dalam Perspektif Islam (Pendekatan Ushul Fikih: Teori Pertingkatan Norma) Joko Setyono
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This article aims to analyze good governance in Islamic perspective with the classical norm levels theory and ushul fiqh approach. This article may contribute to the understanding that Islamic law is able to answer the challenge of modernity namely continuity and change. In this context, ushul fiqh still consider the reality of society which give humanistic and authoritative (not authoritarian Islamic law) in formulation of Islamic Law.Artikel ini bertujuan untuk menganalisis good governance dalam perspektifIslam dengan pendekatan ushul fikih tentang teori pertingkatan norma. Kajian good governance dapat diintegrasikan dengan ushul fiqh, yaitu dengan menggali nilai-nilai filosofis (the theory values) norma dalam hukum Islam. Tulisan ini dapat memberikan warna, bahwa hukum Islam (ushul fiqh) selalu berkembang dan mampu menjawab tantangan modernitas yang berkarakter continuity and change. Artinya, ushul fiqh tetap memperhatikan realitas masyarakat (living law), sehingga melahirkan rumusan hukum Islam yang humanis dan otoritatif (bukan otoritarianisme hukum Islam).

Analisis Pemahaman, Produk, dan Tingkat Religiusitas terhadap Keputusan Mahasiswa IAIN Menjadi Nasabah Bank Syariah Cabang Salatiga Anton Bawono; Milatunnikmah Finisia Rahajeng Oktaviani
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

The purpose of this research is to analyze the understanding, product, andlevel of religiosity towards students’ decision of being costumer of Islamicbank. This is a quantitative research. The object of this research is studentsof State Institute for Islamic Studies of Salatiga. The writer took 100 studentsas sample of this research. The method used to collect the data is questionnaire. The data is analyzed using test of reliability, validity, statistic and classical assumption. The research findings showed that the product of sharia bank has significant and positive influence. It occurred because the product offered by sharia bank is innovative. The variable of understanding about sharia bank and level of religiosity towards students’ decision of being costume of sharia bank has positive influence but insignificant.Tujuan dari penelitian ini adalah menganalisa pemahaman, produk, dan tingkatreligiusitas terhadap putusan mahasiswa menjadi nasabah bank syariah.Penelitian ini menggunakan metode kuantitatif. Objek penelitian yang digunakanadalah mahasiswa IAIN Salatiga dengan jumlah sampel sebanyak 100 mahasiswa. Sedangkan untuk tekhnik pengumpulan data dilakukan dengan menggunakan metode kuesioner, studi pustaka. Data diolah menggunakanuji reliabilitas, validitas, statistik dan asumsi klasik Dari hasil pengolahandata tersebut menunjukan bahwa yang berpengaruh positif dan signifikan hanya variabel produk saja, karena produk-produk yang ditawarkan bank syariah sangat inovatif sehingga membuat mahasiswa tertarik untuk membuka rekening pada BSM cab. Salatiga. Sedangkan variabel pemahaman bank syariah dan tingkat religiusitas mahasiswa berpengaruh positif dan tidak signifikan terhadap keputusan mahasiswa IAIN Salatiga menjadi nasabah pada BSM cab. Salatiga.

Faktor Penentu Kinerja Investasi Asuransi Jiwa Syariah di Indonesia Nur Indah Hidayati; Ahmad Baehaqi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Abstract This research aims to find out the influence of company size, liquidity, leverage, volume of capital (VOC), underwriting risk and premium growth towards Investment Yield of sharia life insurance company in Indonesia from 2011 to 2015. Technique of analyzing the data used in this study is panel data regression with level of significance 5%. The result showed that the most appropriate model for this study is Fixed Effect Model (FEM). Simultaneously, all variables have significant influence towards Investment Yield. The result of partial test of Investment Yield showed that company size and liquidity have negative influence, while leverage, VOC, and premium growth have positive influence towards Investment yield. Underwriting risk has no significant influence towards Investment yield. AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh Company Size, likuiditas, leverage, Volume of Capital (VOC), Penelitian ini bertujuan untuk mengetahui pengaruh company size, likuiditas, leverage, volume of capital (VOC), underwriting risk dan premium growth terhadap Investment Yield perusahaan asuransi jiwa syariah di Indonesia periode 2011-2015. Teknik analisis data yang digunakan adalah regresi data panel dengan tingkat signifikansi 5%. Hasil analisis data menunjukkan bahwa model yang tepat digunakan dalam penelitian ini adalah Fixed Effect Model (FEM). Secara simultan keenam variabel tersebut berpengaruh signifikan terhadap Investment Yield. Sedangkan secara parsial menunjukkan bahwa company size dan likuiditas berpengaruh negatif signfikan sedangkan leverage, VOC dan premium growth berpengaruh positif signifikan terhadap investment yield. Underwriting risk tidak memiliki pengaruh signifikan terhadap investment yield.

The Analysis of Amil Zakat Institution/Lembaga Amil Zakat (LAZ) Accountability toward Public Satisfaction and Trust Zulfikar Ali Ahmad; Rusdianto Rusdianto
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Abstract Indonesia has a high potency of zakat fund but the result of its collection shows the great gap compared with the potency. The current issue of Amil Zakat Institution/Lembaga Amil Zakat (LAZ) is about their public trust and public satisfaction. The aim of the research is to examine an impact of LAZ’s accountability on public satisfaction and public trust among muzakki in Indonesia. This research collects data using questionnaire from muzakki who paid their zakat in LAZ’s. This study uses SEM-PLS to analyze data. The result shows (1) significant influence on the LAZ’s accountability to public satisfaction, (2) public satisfaction on LAZ has a significant influence to public trust.Abstrak Indonesia memiliki potensi dana zakat yang tinggi, namun hasil dari pengumpulannya menunjukkan ada perbedaan yang besar dibandingkan dengan potensinya. Permasalahan yang dihadapi oleh lembaga amil zakat (LAZ) sekarang adalah terkait dengan kepercayaan publik dan kepuasan publik. Tujuan penelitian ini adalah menguji pengaruh akuntabilitas LAZ terhadap kepuasan publik dan kepercayaan publik. Penelitian ini mengumpulkan data menggunakan kuisioner dari muzakki yang membayar zakat di LAZ. Penelitian ini menganalisa data yang terkumpul menggunakan SEM-PLS. Hasil penelitian menunjukkan (1) adanya pengaruh yang signifikan dari akuntabilitas lembaga amil zakat terhadap kepuasan publik, (2) kepuasan publik atas lembaga amil zakat mempunyai pengaruh signifikan atas kepercayaan publik.

Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia Nuhbatul Basyariah
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

AbstractThis article aims to analyze the implementation of musyarakah mutanaqishah financing on Islamic banking in Indonesia, especially in facing the existence of three issues available in contract implementation (sharia issues, legal issues, and operational issues). The research method used in this research is descriptive qualitative method with an inductive analysis approach. The method of analyzing the date is based on Law of Republic of Indonesia Number 21/2008 concerningSharia Banking, DSN-MUI, Fatwa Number 73/2008 concerning Musyarakah Mutanaqishah, and AAOIFI Sharia Standards. The research findings showed that the implementation of MMQ on some points is not based on sharia law. In terms of legal and operational analysis based on BI rules on banking laws, there are indications of a discrepancy between the basic rules and its implementation in the field. The operational assignment of all payment obligations for fees deviates from AAOIFI standards and DSN fatwas, and there are no specific accounting standards related to MMQ.AbstrakArtikel ini bertujuan menganalisis implementasi pembiayaan musyarakah mutanaqishah pada perbankan syariah di Indonesia, terutama dalam menanggapi keberadaan tiga isu yang melekat pada implementasi akad (isu syariah, isu legal, dan isu operasional). Metode penelitian yang digunakan adalah metode kualitatif deskriptif dengan pendekatan analisis induktif. Analisis dilaksanakan berdasarkan Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan Syariah, Fatwa DSN-MUI Nomor 73/2008 tentang Musyarakah Mutanaqishah, dan Standar Syariah AAOIFI. Hasil analisis menunjukkan bahwa implementasi MMQ pada beberapa point belum sesuai syariah. Dari sisi analisis legal dan operasional berdasarkan aturan BI tentang undang-undang perbankan terindikasi adanya ketidaksesuaian antara dasar aturan dengan implementasi di lapangan.Terkait operasional adanya pelimpahan semua kewajiban pembayaran atas biaya yang muncul menyimpang dari standar AAOIFI dan fatwa DSN dan belum ada standar akuntansi khusus terkait MMQ.

Faktor-Faktor yang Mempengaruhi Kualitas Pembiayaan: Persepsi Pegawai BNI Syariah Semarang Ika Arista; Prabowo Yudo Jayanto
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

AbstractThe purpose of this research is to analyze the influence of financing fund adequacy, risk, credit assessment of 5C, accountability, internal control systems, and accounting information on financing quality at BNI Syariah Semarang. The population of this study is all employees of BNI Syariah Semarang which consist of 120 employees. Sampling technique used in this study is random sampling method. It uses the slovin’s formula and obtains 55 respondents. The technique of data analysis used in this study is Structural Equation Modelling-Partial Least Square (SEM-PLS) with analysis tool of SmartPLS 3.0. The results of this research showed that the adequacy of financing funds, credit assessment of 5C, accountability, and accounting information have a significant and positive impact on financing quality. While risk and internal control systems don’t have significant impact on financing quality AbstrakTujuan penelitian ini adalah untuk menganalisis pengaruh kecukupan dana pembiayaan, risiko, penilaian 5C Kredit, akuntabilitas, sistem pengendalian internal, dan informasi akuntansi terhadap kualitas pembiayaan pada BNI Syariah Semarang. Populasi penelitian ini adalah seluruh pegawai BNI Syariah Semarang yaitu sebanyak 120 pegawai. Metode pengambilan sampel yang digunakan adalah metode random sampling. Dengan menggunakan rumus slovin diperoleh sebanyak 55 responden. Teknik analisis menggunakan Structural Equation Modelling-Partial Least Square (SEM-PLS) dengan alat analisis SmartPLS 3.0. Hasil penelitian menyatakan bahwa kecukupan dana pembiayaan, penilaian 5C kredit, akuntabilitas, dan informasi akuntansi berpengaruh positif dan signifikan terhadap kualitas pembiayaan. Sedangkan risiko dan sistem pengendalian internal tidak berpengaruh signifikan terhadap kualitas pembiayaan

Page 12 of 19 | Total Record : 185

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Contact Name
Agung Guritno

Contact Email
agung.guritno@gmail.com

Phone
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Journal Mail Official
jurnalmuqtasid@gmail.com

Editorial Address
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Location
Kota salatiga,

Jawa tengah

INDONESIA