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.
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185 Documents
<![CDATA[Sumber Dana dan Persepsi Tentang Bunga Bank oleh Pedagang Muslim (Studi Pedagang di Pasar Basah di Kota Kendari Tahun 2015) ]]>
<![CDATA[Nur Afandi]]>;
<![CDATA[Ernawati Ernawati]]>
<![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.v9i1.70-81
<![CDATA[Abstract Fatwa of The Council of Indonesian Ulama (Majelis Ulama Indonesia, MUI) Number 1/ 2004 imply that bank interest equal to usury. The purpose of this study was to determine Muslim traders' perceptions of interest, and their consistency in the behavior of loan applications. Methods of data collection used in this study was questionnaires to Muslim traders of Wet Mandonga Market Kendari City. Samples taken in this research were 30 respondents with census sampling technique. The data were analyzed using percentage. The level of consistency of respondents is calculated by the share of the number of respondents who consider the bank interest equal to usury and do not make loans with conventional scheme, to the total respondents. The results showed that all Muslim traders in the Wet Market Mandonga Kendari City have understood that the interest is equal to usury However there are 16.67 percent of respondents whose equity is usury, where 6.67 percent of which comes from loan shark. The consistency of perception and application of the understanding of interest money on Muslim traders reached 83.33 percent.AbstrakFatwa Majelis Ulama Indonesia (MUI) Nomor 1 Tahun 2004 membawa pesan bahwa bunga bank sama dengan riba. Penelitian ini mengkaji persepsi pedagang muslim tentang bunga, dan konsistensinya terhadap perilaku pengajuan pinjaman modal. Metode pengumpulan data diperoleh melalui kuisioner bagi pedagang muslim di Pasar Basah Mandonga Kota Kendari. Sampel pada penelitian ini berjumlah 30 orang pedagang, yang ditentukan berdasarkan metode sensus. Metode analisis yang digunakan yaitu matriks empat kuadran dan persentase. Tingkat konsistensi responden dihitung dengan persentase jumlah responden yang menganggap bunga bank sama dengan riba yang sekaligus tidak melakukan pinjaman dengan tambahan bunga, terhadap total responden. Hasil penelitian menunjukkan bahwa seluruh pedagang muslim di Pasar Basah Mandonga Kota Kendari telah memahami bahwa bunga pinjaman uang sama dengan riba. Meskipun demikian terdapat 16,67 persen responden yang permodalannya bersifat ribawi yang 6,67 persen diantaranya bersumber dari rentenir. Adapun konsistensi persepsi dan aplikasi dari pemahaman akan bunga uang pada pedagang muslim mencapai 83,33 persen]]>
<![CDATA[Profit and Loss Sharing: Solusi Ekonomi Islam Menghadapi Globalisasi Ekonomi ]]>
<![CDATA[Faqih Nabhan]]>
<![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.v1i2.279-301
<![CDATA[This paper aimed at presenting conceptual model that can explain conceptual aplication of profit and loss sharing. Theoritically, Islamic bank, as anintermediary institution, is believed as financial institution helping public economic activities and at the same time carrying out human life. Profit and loss sharing, as one of an Islamic economic mechanism, could be an economic solution of the lack of economics thought. The aplication of profit and loss sharing in budgeting can increase the capability of fund mobilization and investment portofolio without rising of Islamic bank.]]>
<![CDATA[Multi Level Marketing (MLM) Syariah: Solusi Praktis Menekan Praktik Bisnis Riba, Money Game ]]>
<![CDATA[Imam Mas Arum]]>
<![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.v3i1.25-45
<![CDATA[The sharia economy and bussines has been acknowledged as an alternativereplacement for socialist and capitalist economy. Sharia banking, insurance and capital market have developed rapidly and accepted widely throughtout the world. Together with the development of knowlegde, technology, and the need of economy, innovation in sharia business continues to emerge. One of them is Sharia MLM or Penjualan Langsung Berjenjang Syariah (PLBS). The booming of riba business money game practic is one of the reason why MLM Sharia was borned. Hopefully it can to be solution for this problem specially in Indonesia. This article discuss about money game, MLM, and prospect of MLM Sharia in force money game practic]]>
<![CDATA[Model Pengawasan Pembiayaan di BMT Mujahidin Pontianak ]]>
<![CDATA[Nurma Sari]]>
<![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.v5i1.23-52
<![CDATA[This research uses descriptive analysis method which aims to 1) know anddescribe the system of distribution of the finance products at the BMTMujahidin in the fiscal year 20092011; 2) know and explain the financingimplementation at the BMT Mujahidin Pontianak in the fiscal year 20092011.Results of the study were: KSU BMT Mujahidin was the same as other Shariahfinancial institutions, namely the financing run through a series of proceduressystematically arranged in part involving the marketing, financing, andmanagers has been quite effective. The manager accepted the proposalsanalyzed them and if approved will sign it. Supervision of the financing was done in three categories, first by doing active field supervision; Second by doing administrative supervision starting from the time of the filing process by way of checking the completeness of requirements until the reimbursement; third by helping the customer to identify the problems that will arise as early as possible in case of trouble and the BMT Mujahidin will participate in finding a solution for the customer.]]>
<![CDATA[PERLINDUNGAN ISLAM TERHADAP BURUH ]]>
<![CDATA[Setiawan bin Lahuri]]>
<![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.v4i2.223-238
<![CDATA[In Islam, the determination of wages is not only based on the quality of labor as the physical, mental, work experience, professionalism and so on. But there are other considerations, they are aspects of personal and family needs. Thus, there are important implications of the theory above, the Islamic theory of wage determination is in contrast to the capitalist economic system, and there are elements in common with the socialist economic system. Mechanisms of wage determination in Islam does not depend on the institutional market. Islam is a religion that upholds universal human values. Islam is very concerned with the rights and obligations of all people, including the workers and laborers. Teaching that can be seen from several hadith clearly provides real assurance that the workers have to work in a comfortable state, far from the threat of layoffs, delays in awarding salary, job demands beyond the limits of human ability and so on. Thus, Islam gives an overview of the importance of laborers and workers in human life. Islam gives us the importance of laborers and workers in human life. Islam thus providing strong values as a form of protection to the workers and employees.]]>
<![CDATA[Analisis Faktor-Faktor yang Memengaruhi Kelancaran Pengembalian Pembiayaan Murabahah pada Usaha Mikro, Kecil, dan Menengah (UMKM) di BMT Taruna Sejahtera ]]>
<![CDATA[Tri Andina Rahayu]]>
<![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.v7i1.55-72
<![CDATA[A problem arising from the distribution of defrayal is often caused by a delay in repayment of financing that could interfere in liquidity and profitability of financial institution. One of BMTs that has good achievement in Semarang is BMT Taruna Sejahtera with a percentage of the value of arrears of the last few years has decreased. This achievement needs to be maintained and improved until the problems can be solved. This research was conducted at BMT Taruna Sejahtera starting from February to August 2014 using a purposive sample of 85 debtors. All the factors which are supposed to influence the rate of return on the financing were analyzed using multiple linear regression analysis. As the response variable in the analysis, that is the level of the smoothness in returning defrayal (Y) in which the predictor variables are the personal characteristics consisting of the level of education and age. Based on the results of multiple linear regression analysis, the factors that affect the rate of return is the value of the loan financing, business turnover, and level of education. It means the higher the value of the loan, the business turnover and debtor’s education level, the greater the chances of returning of murabaha defrayal]]>
<![CDATA[Pengaruh Kepemimpinan, Motivasi dan Religiusitas Terhadap Kepuasan Kerja Karyawan pada PT. Unza Vitalis Salatiga ]]>
<![CDATA[Ahmad Baihaqi]]>
<![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.v6i2.43-64
<![CDATA[The study examined the influence of leadership, motivation and religiosity on job satisfaction at. Unza Vitalis Salatiga. Regression model of this quantitative research is: Y = -44.504 + 0.290 K + M + 0,270 R 1,070. The research concluded that leadership, motivation, and religiosity positive and significant impact on job satisfaction of employees of PT. Unza Vitalis Salatiga. Leadership, motivation and religiosity simultaneously affect job satisfaction with the positive and significant at PT. Unza Vitalis Salatiga. The most dominant variable in influencing job satisfaction is work motivation.Studi ini meneliti pengaruh kepemimpinan, motivasi kerja dan religiusitasterhadap kepuasan kerja pada PT. Unza Vitalis Salatiga. Model persamaanregresi dari penelitian kuantitatif ini adalah: Y= -44,504 + 0,290 K + 1,070M + 0,270 R. Berdasarkan penelitian disimpulkan bahwa kepemimpinan, motivasi kerja, dan religiusitas berpengaruh positif dan signifikan terhadap kepuasan kerja karyawan PT. Unza Vitalis Salatiga. Kepemimpinan, motivasi kerja dan religiusitas secara simultan mempengaruhi kepuasan kerja dengan positif dan signifikan pada PT. Unza Vitalis Salatiga. Variabel paling dominan dalam mempengaruhi kepuasan kerja adalah motivasi kerja.]]>
<![CDATA[Model Pemberdayaan Laboratorium Bank Mini Syariah di Perguruan Tinggi ]]>
<![CDATA[Eva Fauziah]]>;
<![CDATA[Ifa Hanifia Senjiati]]>;
<![CDATA[Sandy Rizki Febriadi]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
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DOI: 10.18326/muqtasid.v8i2.102-118
<![CDATA[Sharia Mini Bank Laboratory is a medium to implement Tri Dharma of College which is expected to contribute to accelerate the development of sharia in Indonesia. Therefore, empowerment of laboratory of bank mini syariah as a place to develop competence in intellectual, motor skill and skill to use Islamic banking tools for increasing the competence of graduate and sharia banking students need to be reviewed. This is a qualitative research. Method of collecting data is using deep data observation technique. Data analysis is using spradley model domain analysis. Theresults showed that the model of empowerment of Mini Sharia Bank laboratory in Higher Education has four models; they are 1) model of secondary empowerment, 2) model primary internal empowerment of student, 3) model of primary internal empowerment of student and lecturer and 4) model of primary external empowerment. This laboratory empowerment model is based on observations at four universities in Java, namely Bandung Islamic University (UNISBA), Islamic University of Malang (UNISMA), UIN Malang and UIN Sunan Ampel Surabaya.Laboratorium Bank Mini Syariah merupakan sarana penunjang dan pelaksana program Tri Dharma Perguruan Tinggi yang diharapkan mampu memberikan kontribusi untuk mengakselerasi perkembangan syariah di Indonesia. Oleh karena itu, pemberdayaan laboratorium Bank Mini Syariah sebagai tempat mengembangkan kompetensi baik dalam bidang intelektual, ketrampilan motorik dan terampil memggunakan alat-alat media perbankan syariah untuk peningkatan kompetensi mahasiswa lulusan keuangan dan perbankan syariah perlu ditelaah. Metode penelitian menggunakan metode kualitatif dengan teknik pengumpulan data observasi mendalam. Analisis data menggunakan analisis domain model spradley. Hasil penelitian menunjukkan bahwa model pemberdayaan laboratorium Bank Mini Syariah di Perguruan Tinggi memiliki empat model yaitu 1). Model pemberdayaan sekunder, 2). Model pemberdayaan primer internal mahasiswa, 3). Model pemberdayaan primer internal mahasiswa dan dosen, dan 4). Model pemberdayaan primer eksternal. Model pemberdayaan laboratorium ini berdasarkan pengamatan pada empat perguruan tinggi di Jawa yaitu Universitas Islam Bandung, Universitas Islam Malang, UIN Malang dan UIN Sunan Ampel Surabaya.]]>
<![CDATA[Pengaruh Kualitas Penerapan Good Corporate Governance (GCG) Terhadap Tingkat Pengembalian dan Risiko Pembiayaan Bank Syariah di Indonesia ]]>
<![CDATA[Fathan Budiman]]>
<![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.v7i2.1-21
<![CDATA[The emergence of concept of Good Corporate Governance (GCG) is basedon agency theory that expects the disclosure of information so that conflictsof interest among the principal agent can be minimized. Conflicts of interestcan occur in any company including Islamic banking. This situation is recognized by Bank Indonesia, which then requires the application of the principles of GCG in Bank Indonesia regulations at PBI No. 8/4 / PBI / 2006. The purpose of this study was to describe the quality of the implementation of Good Corporate Governance of Islamic Banking in Indonesia and to analyze their effects on the financial performance and operational efficiency. Financial performance is measured by earnings (ROA), and liquidity (FDR). The object of this study is Islamic banking companies that issue an annual report and a report on the implementation of Good Corporate Governance period of 2013-2015 in accordance with Circular Letter No. BI. 12/13/BPbs on April 30, 2010. Types of data used are secondary data from a composite ranking score of Good Corporate Governance as measured by 11 indicators for BUS and 5 indicators for UUS, and ratio ROA, and NPF. The variables were analyzed using simple linear regression analysis. The results showed that the quality of the implementation of Good Corporate Governance (GCG) has negative effect on the return of Islamic banks measured by profitability (ROA) and a significant negative effect on the risk financing Islamic bank as measured by asset quality (NPF).]]>
<![CDATA[Analisis Fikih terhadap Akad Dana Talangan Haji pada Bank Syariah ]]>
<![CDATA[Silvi Novindri]]>
<![CDATA[ Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah ]]>
Publisher : <![CDATA[IAIN Salatiga ]]>
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DOI: 10.18326/muqtasid.v4i1.27-53
<![CDATA[Financing bailout of Hajj is loans from Islamic banks to customers to cover theshortage of funds in order to gain seats (seat) at settlement BPIH Hajj (Pilgrimage Travel Expenses). This financing product uses the principle of Qardh Wal Ijarah. The purpose of this study was to determine the views of Islamic law to finance bailouts of pilgrimage and to know the views of Islamic law about the fee ujrah on contract bailouts of pilgrimage. This research is a field research. The design of this study used a qualitative approach to the non-statistical analysis. While the data analysis techniques used content analysis and interactive method which consists of data reduction, data collection, data presentation and conclusion. The results of this research note that the view of Islamic law against the bailouts of pilgrimage on Islamic bank containing multi-contract, where the contract is used qardh and Ijarah are allowed. While the view of Islamic law regarding fee ujrah decision on the bailout fund of pilgrimage is not appropriate with shariah because of the percentage of fee ujrah based on funds qardh]]>
