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Contact Name
Agung Guritno
Contact Email
agung.guritno@gmail.com
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jurnalmuqtasid@gmail.com
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INDONESIA
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
ISSN : 20877013     EISSN : 25278304     DOI : -
Core Subject : Economy,
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.
Arjuna Subject : -
Articles 185 Documents
PENGELOLAAN WAKAF PRODUKTIF DALAM BENTUK SPBU STUDI KASUS SPBU MASJID AGUNG SEMARANG Nurodin Usman
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 | Full PDF (262.119 KB) | DOI: 10.18326/muqtasid.v4i1.145-163

Abstract

There are several variants of the management and development models that incorporate the concept of waqf productive and consumptive waqf. In the form of management and development of productive waqf property is manifested in the form of public refueling station (SPBU). This research is a descriptive qualitative study aimed to describe the management and development of waqf property of the Great Mosque of Semarang, which has an area of 119.1270 hectares of waqf land, particularly those managed to SPBU. The results showed that SPBU of Great Mosque of Semarang has succeeded in realizing the asset management model and the development of the productive waqf. SPBU of Great Mosque of Semarang have managed to make a significant contribution to the Great Mosque of Semarang and able to provide good service for consumers, as it provides the fuel needed by motorists generally. SPBU of Great Mosque of Semarang is also equipped with various facilities, such as prayer rooms, toilets, filling water and aeration, ATM, rest area, minimarket, clinic, car washbusiness
Tantangan Lembaga Keuangan Syariah dalam Menghadapi Masyarakat Ekonomi ASEAN Budi Kolistiawan
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.941 KB) | DOI: 10.18326/muqtasid.v8i1.54-64

Abstract

Islamic law is basically a standard concept. As the time goes by, there is an ijtihad in some aspects of life, but they do not deviate from the teaching of Islam. So Islam in solving the problem is in accordance with Islamic teaching. It is an economic system that is part of human life. Islamic economic system is expected to solve the problems of human life without deviating from Islamic law of Allah SWT. Along with the development of the era, nowadays there are many emerging Islamic-based financial institutions or commonly called as Islamic financial institutions amid community. The purpose of this study is to determine how far the reediness of Islamic financial institutions in facing the ASEAN Economic Community. The method of discussion used in this study is analysis technique based on data and references of library research. Hukum Islam pada dasarnya merupakan konsep yang baku. Tetapi seiring berjalannya waktu, terdapat ijtihad dalam beberapa bidang kehidupan, namun tetap berada pada batasan yang tidak menyimpang dari ajaran Islam. Sehingga Islam dalam menyelesaikan masalah akan sesuai dengan perkembangan zaman. Demikian juga dengan sistem ekonomi yang merupakan bagian dari bidang kehidupan manusia. Sistem ekonomi Islam diharapkan bisa menyelesaikan permasalahan yang ada pada kehidupan manusia tanpa melanggar ketentuan hukum syariat Allah SWT. Seiring dengan perkembangan zaman, saat ini telah banyak bermunculan lembaga keuangan yang berbasis Islam atau sering disebut lembaga keuangan syariah ditengah masyarakat. Tujuan dari pembahasan ini untuk mengetahui sejauh mana kesiapan lembaga keuangan syariah menghadapi Masyarakat Ekonomi Asean. Metode pembahasan dalam artikel ini menggunakan teknik analisis berdasarkan data dan referensi kepustakaan yang ada. 
Mereview Arah Undang-Undang Perbankan Syariah di Indonesia A. Zuliansyah
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (81.539 KB) | DOI: 10.18326/muqtasid.v2i1.91-113

Abstract

The application of Islamic law in the activities of banking/finance  or  other modern economic activities is not a simple job. The study of the banking law, or sharia  finance law to be an interesting study and challenging for the world of law in Indonesia, where the positive law (law) in the country of Indonesia is different from  that applicable to the religious law  (Islam). Enforcement of religious law (Islam)  must go through a process referred to as  the ”positivisasi” Islamic law. In this case, Islamic law accepted by the state  in  positive laws and regulations that apply  nationally. This paper will examine  the law of Law no. 10 of 1998 concerning Amendment to law number 7 of 1992. Likewise, Law number 21 of 2008 has some interesting general provisions to be observed. General provisions referred to (Article 1) is a novelty and will  provide certain implications
Pengaruh Lokasi dan Kualitas Pelayanan terhadap Keputusan Nasabah untuk Menabung di BMT Sumber Mulia Tuntang Rizqa Ramadhaning Tyas; Ari Setiawan
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (631.259 KB) | DOI: 10.18326/muqtasid.v3i2.277-297

Abstract

This study discusses the influence of the quality of services consisting ofreliability, responsiveness, assurance, empathy and tangibles as well as thelocation of BMT and variables are the most significant influence on thecustomer’s decision to save in BMT Sumber Mulia. The method used in thisstudy is a quantitative approach, with the amount of the sample was 30respondents. The sampling technique used accidential sampling by applyingis linear regression analysis, which previously conducted validity and reliability. Based on these results, we can conclude. First, there was a significant effect of the quality of service which consists of reliability, responsiveness, assurance, empathy, and tangibles on saving decisions. This is evident from the results of the t test with a value of t count t table at the 5% significance level reliability (3.838 1.7011), responsiveness (2.121 1.7011), assurance (3.062 1.7011), empathy (4.760 1.7011), and tangibles (3.290 1.7011). There is a significant influence on the customer decision to save their money in BMT. Based on it location as the t test results are t count t table (3.480 1.7011), with a significance level of 5%. Third, empathy variables are variables that provide the dominant influence on the customer’s decision to saving. It can be seen from the significance value (0.000) is more significant than other variables. Then proceed with the reliability variables with a significance value (0.001), the variable of location (0,002), tangibles (.003), assurance (0.005) and responsiveness with a significance value (0.043). This means that the willingness of employees and managers are more concerned with to draw customer attention on saving their money 
Analisis Perbandingan Kinerja Keuangan Perbankan Syariah Bank Umum Syariah (BUS) dengan Unit Usaha Syariah (UUS) pada Bank Umum Konvensional Wiwin Kurniasari
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (530.353 KB) | DOI: 10.18326/muqtasid.v6i1.81-103

Abstract

This study aims to analyze the comparative financial performance of Islamic Banking with Conventional Banking (Shariah Business Unit) for each financial ratio and overall. The measurements of banking performance were used in this study are CAMELS ratios (Capital, Asset, Management, Earnings, Liquidity, and Sensitivity to Market Risk). This study uses 11 Shariah Banks and 12 Shariah Business Unit in 2012. This study shows that there are no differences between Shariah Banks and Shariah Business Unit in Capital Adequacy Ratio and Ratio Quality of Earning Asset, but there are differences in Management Ratio, Profitability Ratio, Liquidity Ratio, and Sensitivity Ratio in each and overall.Penelitian ini bertujuan untuk menganalisa perbandingan kinerja keuanganperbankan syariah yaitu Bank Umum Syari ah (BUS) dengan Bank Konvensional dari Unit Usaha Syariah (UUS) untuk masing-masing rasio keuangan dan secara keseluruhan. Ukuran kinerja bank yang digunakan dalam penelitian ini adalah rasio keuangan bank CAMELS (Capital, Asset, Management, Earnings, Liquidity, sensitivity to market risk), yang meliputi Capital Adequacy Ratio (mewakili rasio permodalan), pembentukan penyisihan penghapusan aktiva produktif (mewakili rasio kualitas aktiva produktif), Net Profit Margin/NPM(mewakili rasio manajemen), Return on Assets (ROA), Loan to Deposit Ratio (mewakili rasio likuiditas) dan Interest Rate Risk Ratio (mewakili rasio Sensitivitas terhadap Risiko Pasar).Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah purposive sampling yang merupakan teknik pengambilan sampel dengan pertimbangan atau kriteria tertentu. Sampel yang dipergunakan peneliti adalah11 Bank Umum Syariah (BUS) dan 12 Unit Usaha Syariah (UUS) yang memiliki kelengkapan laporan keuangan tahun 2012 yang berupa neraca, laporan laba rugi, komitmen dan kontinjensi, kualitas aktiva produktif dan informasi lainnya, perhitungan kewajiban penyediaan modal minimum (KPMM). Berdasarkan hasil penelitian, analisis uji beda rata-rata t-Test memperlihatkan tidak ada perbedaan yang signifikan antara kinerja keuangan perbankan syariah pada Bank Umum Syariah (BUS) dengan perbankan konvensional yang mempunyai Unit Usaha Syariah (UUS) jika dilihat dari rasio permodalan (CAR) dan rasio kualitas aktiva produktif (PPAP). Ada perbedaan yang signifikan antara kinerja keuangan perbankan syariah (Bank Umum Syariah) dengan perbankan konvensional yang mempunyai Unit Usaha Syariah (UUS) jika dilihat dari rasio manajemen (NPM), rasio profitabilitas (ROA), rasio likuiditas (LDR), dan rasio sensitifitas terhadap reaksi pasar-Interest Rate Risk Ratio (IRRR), serta jika dilakukan analisis secara keseluruhan kinerja keuangan perbankan syariah.
Modifikasi Branchless Banking Pada Perbankan Syariah di Indonesia Berdasarkan Kearifan Lokal Fetria Eka Yudiana
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (362.601 KB) | DOI: 10.18326/muqtasid.v9i1.14-28

Abstract

AbstractSharia banking is a business institution that reflects the existence of sharia economy which is closely related to social life of the community. The purpose of this research is to develop a branchless banking model, by analyzing and designing models based on related literature studies. By using qualitative analysis based on theory and literature study, it can be concluded that the development of branchless banking model in Indonesia especially in sharia banking is more appropriate if it combines technology and local wisdom aspect as it is more suitable with character of cultural diversity, religion and geographical position of Indonesia. Local culture understood by sharia banking can be an advantage in developing branchless banking. Thus sharia banking must have the ability to cooperate with local economic units. The design of branchless banking model is integrated, workable and prudent banking sharia, so as to reach more people, especially unbanked people, in accordance with the basic principles of sharia banking in Indonesia. Integrated and in accordance with international standards will be able to increase market share of sharia banking in Indonesia.AbstrakPerbankan syariah adalah institusi bisnis yang mencerminkan eksistensi ekonomi syariah sangat terkait dengan kehidupan sosial masyarakat. Tujuan penelitian ini adalah mengembangkan sebuah model branchless banking,dengan menganalisis dan mendesain model berdasarkan studi literatur terkait. Dengan menggunakan analisis kualitatif  berdasarkan teori dan studi literatur dapat disimpulkan bahwa pengembangan modelbranchless banking di Indonesia terutama pada perbankan syariah lebih tepat jika memadukan teknologi dan aspek kearifan lokal karena lebih sesuai dengan karakter keragaman budaya, agama dan letak geografis Indonesia. Budaya lokal yang dipahami oleh perbankan syariah dapat menjadi keuntungan dalam mengembangkan branchless banking. Sehingga Perbankan syariah harus memiliki kemampuan untuk bekerjasama dengan unit ekonomi lokal. Desain model branchless bankingpada perbankan syariah yang terintegrasi, workable dan prudent, sehingga dapat menjangkau lebih banyak masyarakat terutama unbanked people, sesuai dengan prinsip dasar perbankan syariah di Indonesia, terintegrasi dan sesuai dengan international standard akan dapat meningkatkan market share perbankan syariah di Indonesia 
Pengembangan Usaha melalui Modal Ventura: Solusi Alternatif dalam Perspektif Islam Rasimin Rasimin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (92 KB) | DOI: 10.18326/muqtasid.v1i2.303-321

Abstract

Capital venture was a financing that involved high risk to establish a newbusiness for extension or refinancing without obligatory collateral. Capitalventure was a kind of additional capital from investors managed by a stateenterprise or a private enterprise. The capital was distributed to small businessor middle business which is looking for capital to increase the effort. Thedistribution of capital was based on sincerity and mutual assistance. So,investors and the institution of venture did not receive the profit from theirbusiness partners. In classical Islamic contract law (fiqh muamalah), theterm of capital venture has not been discussed yet, because it was acontemporary economic problem appeared by economist. Thus, it wasnecessary to conduct a study to know the view of Islamic law about thecapital venture, particularly about the practice of capital venture and thesystem of profit sharing. From this research, it was hoped that capital venturecould be a means of developing for the Moslem’s economics
Etika Penjualan dalam Perspektif Islam Moh Nasuka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (420.869 KB) | DOI: 10.18326/muqtasid.v3i1.47-72

Abstract

Ethics is the orientation vehicle for human endeavor to answer a very fundamental question, how human should live and act, and many other questions. However, the reality has shown that no human can carry out their lives perfectly and satisfyingly. Ethical behavior in the utilitarian emphasis onpositivistic approach, but it ignores all aspects of the transcendental. Seculartheoriesinterpreted according to the desires and behaviors of the businessespeople, which have an impact on the failure of ethics in providing a meaningfulservice. Many cases of ethical violations performed by sales person affect alarge quantity of company losses. Islamic views on ethics are absolute ratherthan relative, it has a strong foundation based on principles of fairness andjustice, through the attitude of sidq, fatanah, amanah, tabligh. Whole seriesof activities in one’s life will be accountable before God
ANALISIS DETERMINAN MINAT INDIVIDU DOSEN DAN MAHASISWA TERHADAP BANK SYARIAH Taufikur Rahman
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (401.314 KB) | DOI: 10.18326/muqtasid.v5i1.53-74

Abstract

This study empirically examined the effect of attitude, subjective norms andPerceived Behavioural Control to intention and intention to actual behaviorof syaria banking transactions. This study used survey method to collecteddata. The respondents of this study are lecturers that worked at STAINSalatiga and students that studied at study program of syaria banking STAINSalatiga. Of the 100 questionnaires sent, questionnaires were completed andreturned are 86 questionnaires. Dependence methods has used to statistictest in this study. This study has utilized simple regression and multipleregression analysis to analyze the effect of attitude, subjective norm andPerceived Behavioural Control to intention and intention to actual behaviorof syaria banking transactions. Data will be process by stepwise method andenter method of Statistic Program for Social Sciences (SPSS). The result ofthis study suggest that empirically attitude, subjective norm dan perceivedbehavioural control partially and simultaneously has a positif and significantimpact to intention of syaria banking transactions. Intention variable alsohas a positif and significant impact to actual behavior of syaria bankingtransactions.
Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga Arna Asna Annisa
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (467.649 KB) | DOI: 10.18326/muqtasid.v4i2.239-266

Abstract

This thesis is entitled Selling Price Regulation of Murabahah Product Case Study: BMT RAMA Salatiga. The objectives of this research are to describe 1) the execution of murabahah transaction at BMT RAMA Salatiga, 2) the method in deciding and applying the selling price of murabahah product, and 3) the policy of BMT on conducting its business based on Islamic principles. This research applied descriptive qualitative design and was conducted based on normative-juridical approach. The subjects of the research were the manager of BMT RAMA Salatiga and the costumers of BMT RAMA who were involved in murabahah transactions. The results show that the execution of murabahah transaction has not been applied well. Basically, wakalah aqad should place the costumer as the representative of BMT to get goods before the aqad is signed. It is applied in order to prevent gharar and to draw a distinction between syariah and conventional banking. In regulating its funding product BMT RAMA considers some components such as risks of fund, cost of fund, operational cost, annual profit target, annual funding target, and competition rates. However, the cost of fund component has the consequence of interests which need to be considered in determining murabahah margin. This consequence is absolutely inapropriate with MUI instruction no. 1 year 2004, which forbids interests because of its belonging to riba. Unfortunately, the DPS assistance is still insufficient on this matter.

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