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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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Efisiensi Produktifitas Wakaf Tunai (Wakaf Uang) dalam Pemberdayaan Ekonomi di Indonesia Nila Saadati
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This article aims to analyze the waqf if it is managed productively. Commonly, the existence of waqf in Indonesia is used for the mosque, school, farm, and orphanages. Thus, the existence of cash waqf is productive if it can be a solution for the community to improve the economy of the people as a form of solidarity that becomes an instrument contributed to the welfare of society

Aspek Insentif, Mekanisme Pengambilan Keputusan dan Koordinasi (Analisis Komparasi Sistem-Sistem Ekonomi) Nafis Irkhami
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This paper is intended as a general comparative study on the economic system of capitalism, socialism and Islamic economics. The comparative analysis is conducted by reviewing aspects of incentives, decision-making mechanism and coordination. Inter-systemic review in this paper shows that Islamic economic system is determined by the parameters of its own ethical system which shows originality and relativity. Unlike other systems, the ethical impulse that is based on the Islamic worldview is fully integrated with Islamic economic motives. Limited freedom assigned to the behavior of consumption and production, as well as the emphasis on the distribution of wealth cannot be separated from the purpose of goodness (world and the hereafter).Tulisan ini dimaksudkan sebagai studi komparasi general atas sistem ekonomikapitalisme, sosialisme (ekonomi komando) dan ekonomi Islam. Analisiskomparasi tersebut dilakukan dengan meninjau aspe-aspek insentif, mekanismepengambilan keputusan dan koordinasi. Tinjauan inter-sistemik dalam tulisanini menunjukkan bahwa sistem ekonomi Islam ditentukan berdasarkan parameter-parameter sistem etisnya sendiri, yang menunjukkan adanya orisinalitas dan relativitasnya. Tidak seperti sistem lain, impuls-impuls etik yang didasarkan pada worldview Islam tersebut sepenuhnya terintegrasi dengan motif-motif ekonomi Islam. Kebebasan terbatas yang ditetapkan untuk perilaku konsumsi dan produksi, serta penekanan pada distribusi kekayaan tidak dapat dipisahkan dari tujuan kemaslahatan (dunia maupun akhirat).

Pengaruh Kemampuan Kerja dan Semangat Kerja Terhadap Kinerja Karyawan Melalui Kepuasan Kerja (Studi Kasus Bank Syariah Mandiri Kantor Cabang Kendal) Abdul Aziz Nugraha Pratama; Aprina Wardani
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

The purpose of this study was to determine the level of work skill, work spirit, work satisfaction, and employee performance in Syariah Mandiri Bank, Branch of Kendal; and to know the influence of work skill, work spirit, and work satisfaction on employee performance in Syariah Mandiri Bank, Kendal Branch Office. Methods of data collection used in this study was questionnaires distributed to employees of Bank of Syariah Mandiri, Kendal Branch Office. Samples taken in this research were 40 respondents with saturated sampling technique. The data were analyzed using SPSS version 22. This analysis includes reliability test, validity test, statistical test through T-test, F-test, and coefficient of determination (R ), classical assumption test, and path analysis. Ttest results showed that the partial work ability didn’t influence and was not significant on employee performance, while work morale and job satisfaction partially have a positive and significant impact on employee performance. Result of Ftest showed that work skill, work spirit, and job satisfaction simultaneously have a significant effect on employee performance of 50,9%; the remaining 49,1% was influenced by other variables outside of this model.Tujuan penelitian ini untuk mengetahui tingkat kemampuan kerja, semangat kerja, kepuasan kerja, dan kinerja karyawan di Bank Syariah Mandiri Kantor Cabang Kendal; serta untuk mengetahui pengaruh kemampuan kerja, semangat kerja, dankepuasan kerja terhadap kinerja karyawan di Bank Syariah Mandiri Kantor Cabang Kendal. Metode pengumpulan data dilakukan melalui kuesioner yang disebarkan kepada karyawan Bank Syariah Mandiri Kantor Cabang Kendal. Sampel yang diambil sebanyak 40 responden dengan teknik sampling jenuh. Data yang diperoleh kemudian diolah dengan menggunakan alat bantu SPSS versi 22. Analisis ini meliputi uji reliabilitas, uji validitas, uji statistik melalui uji Ttest , Ftest , serta koefisien determinasi (R), uji asumsi klasik, dan analisis jalur. Hasil uji T menunjukkan bahwa kemampuan kerja secara parsial tidak berpengaruh dan tidak signifikan terhadap kinerja karyawan, sedangkan semangat kerja dan kepuasan kerja secara parsial berpengaruh positif dan signifikan terhadap kinerja karyawan. Hasil uji Ftest menunjukkan bahwa kemampuan kerja, semangat kerja, dan kepuasan kerja secara simultan berpengaruh signifikan terhadap kinerja karyawan dengan pengaruh sebesar 50,9%; sisanya 49,1% dipengaruhi oleh variabel lain di luar model ini.

Analisis Pengaruh Rotasi Kerja, Motivasi Kerja dan Kepuasan Kerja terhadap Kinerja Karyawan di Lembaga Keuangan Mikro Syariah Taufikur Rahman; Siti Solikhah
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This study aims at investigating and analyzing the effect of job rotation(X1), motivation (X2), and job satisfaction (X3) toward employees’performance (Y). The population used in this study is all employee of BMTTaruna Sejahtera that consists of 172 people. The writer took 120 employeesas the sample of this research. The sampling technique used in this researchis a probability sampling technique, which is sampling technique thatprovides an equal opportunity for all members of the population to be selectedas the sample. The method used to collect the data is questionnaire. Toanalyze the data, the writer used a statistical test that includes t-test, F-test,the coefficient of determination (R2), and multiple regression tests. Theprocess of data analysis is using a means of IBM SPSS Statistics 23.Research finding shows that multiple linear regression equation Y is -12.335+ 0.364X1 + 0.296X2 + 0.235X3 + 0:05. Results of t-test show that thevariables of job rotation, motivation, and job satisfaction have positive andsignificant influence toward employees’ performance. In other words, thosevariables jointly influence employees’ performance. The coefficient ofdetermination (R2) is 0.883. It means that the contribution of independentvariables (job rotation, motivation and job satisfaction) has influence towarddependent variable (employees’ performance) amounted to 88.3%, whilethe rest is 11.7% influenced by other variables out of research model

Mitigasi Resiko Akad Pembiayaan Mudharabah pada Perbankan Syariah Eka Jati Rahayu
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Islamic banking began to develop in 1970 with a contract mudharabah (profitand loss sharing) as a trademark. Mudharabah contract believed to be able topush productivity rill sector and provide a solution to the global economic crisisdue to eliminating elements of interest. But the more sharia banking practiceapplying transaction-based contract (Murabahah) in various transactions. This is largely grounded in sharia banking risks incurred when applying mudharabah contract. Although many of the risk to be obtained, but it does not meanmudharabah contract can not be developed. Islamic banking can do a good riskmitigation mudharabah contract back up properly applied. The result foundis risk mudharabah contract, namely: First, agency problems. Second, theproblems of security. Third, investors and the role’s management. Fourth, timediversification effect on equities. Fifth, asset management. Islamic banking canapply risk mitigation, namely: First, the setting of the availability of surety andfix assets as collateral. Second, insist on maximal ratio of operational costs tooperating income. Third, the principle of Profit and Loss on contract shariangcapital participation and sharing in contract assembly reveue funds.

Kepercayaan Masyarakat Menabung pada Bank Umum Syariah Dianing Ratna Wijayani
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

The main basis of banking activity is trust, in both the collection of funds and distribution of funds. People will save their money in the bank if it is based on trust. In this function, it will be built trust by both the depositors and the bank staff, and this trust will continue to debtors. This trust is important to establish because in these circumstances all parties want to get benefits from some aspects. In other words, the higher the public trust, the higher the third party funds which will get in the bank. The purpose of this research is to analyze the influence of Sharia Supervisory Board, profitability, and cost of promotions toward public trust in Islamic Banks. The populations of this study are all commercial Syaria banks in period of 2011-2013, with a purposive sampling technique and obtained sample of 11 banks. The type of data used in this research is secondary data, similar documentation of the financial statements of Islamic banks in 2011-2013. Results of analysis using multiple regression are: The sharia supervisory board has influence toward public trust in saving money in Islamic banks, this indicates that the sharia supervisory board will presume that the professionalism and intensity of supervision of Islamic banks are higher, so the trust level of saving money in Islamic banks are higher, Profitability has no effect on public trust in saving money in Islamic banks, and they do not pay much attention to profit, this indicates that people who save money in Islamic banks pay more attention to the security of the liberation from the shackles of usury. Promotion cost has effect on public trust in Islamic banks, this indicates that people who save money in Islamic banks pay less attention to profits and is considered usury by Muslims, so bank benefits are not paid much attention to profits, and they pay more attention to the security in order to prevent usuryDasar utama kegiatan perbankan adalah kepercayaan (trust), baik dalampenghimpun dana maupun penyaluran dana. Masyarakat akan mau menyimpan dana dananya di bank apabila dilandasi kepercayaan. Dalam fungsi ini akan di bangun kepercayaan baik dari pihak penyimpan dana maupun dari pihak bank dan kepercayaan ini akan terus berlanjut kepada pihak debitor. Kepercayaan ini penting dibangun karena dalam keadaan ini semua pihak ingin merasa diuntungkan baik dari segi penyimpangan dana, penampung dana maupun penerima penyaluran dana tersebut. Dengan kata lain, semakin tinggi kepercayaan masyarakat maka semakin tinggi pula dana pihak ketiga (DPK) yang akan masuk pada bank tersebut.Tujuan dalam penelitian ini adalah untuk menganalisa pengaruh Dewan Pengawas Syariah (DPS), profitabilitas dan biaya promosi terhadap kepercayaan masyarakat menabung di Bank Umum Syariah. Populasi dalam penelitian ini adalah seluruh bank umum Syariah periode 2011-2013, dengan teknik pengambilan sampel purposive sampling diperoleh sampel sebanyak 11 bank. Jenis data yang dipergunakan adalah data sekunder, serupa dokumentasi laporan keuangan bank syariah tahun 2011-2013. Hasil analisis dengan menggunakan regresi berganda adalah: Dewan pengawas syariah berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa adanya dewan pengawas syariah akan memberikan asumsi profesionalisme dan intensitas pengawasan bank syariah semakin tinggi, sehingga tingkat kepercayaan menabung di bank syariah tersebut semakin tinggi. Profitabilitas tidak berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah tidak terlalu memperhatikan laba, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah lebih memperhatikan keamanan dari sisi terbebasnya dari jeratan ribawi. Biaya promosi berpengaruh terhadap kepercayaan masyarakat menabung di bank syariah, hal ini mengindikasikan bahwa masyarakat yang menabung di bank syariah kurang memperhatikan laba dan dianggap riba oleh umat islam, sehingga keuntungan bank tidak terlalu memperhatikan laba, mereka lebih memperhatikan keamanan dari sisi terbebasnya jeratan ribawi

Pengaruh Gaya Kepemimpinan, Motivasi Kerja dan Budaya Organisasi terhadap Kinerja Karyawan pada Bank Muamalat Indonesia Cabang Surakarta Agus Marimin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Human resource represent the key factor go to the success, along of human resource activator in operational company. The purpose if this research is to prove the influence of leadership style, work motivation, and organization culture toward employee performance of Bank Muamalat branch Indonesia Surakarta. The method used in this research is survey which using questioner for getting data. The respondents of this research are all of employee at Bank Muamalat branch Indonesia Surakarta. The data that get in this research is processed with program SPSS version 16.00. The test is done with linear regression model, t test, f test, R2 and Classic Assumption. Conclusion of this research is there is influence which significance of among leadership style, motivation, and organization culture toward employee performance of Bank Muamalat branch Indonesia Surakarta as individually.

Analisis Pemikiran Umar bin Khattab Tentang Pengguguran Hak Mu’allaf sebagai Mustahiq Zakat Muhammad Syaifudin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

In the reign of Khulafaurrasyidin, the fourth caliph no longer provide the right of mu’allaf to the beneficiary, relying on Umar who flatly refuse to give alms to the rights of mu’allaf in the reign of Abu Bakr, and his reign. In fact, since the time of the Prophet they continue to receive zakat. This is where Omar issued a statement of law, that the al-mu’allafah qulubuhum not get the zakat, which none of the companions who opposed it. So opinions of Umar is a statute (ijma’) of the Companions and considered abrogatedpart mu’allaf. This paper studies about The reason of Umar bin Khattab did not provide the right of zakat to the mu’allaf as mustahiq of zakat, and how contemporary scholars put Umar thoughts about abortion right of mu’allaf as mustahiq of zakat in fiqh science literatures. The results of this research are, First, Umar bin Khattab abort asnaf rights for “al-mu’allafah qulubuhum” as a recipient of Zakat is due to the existence of a ‘illat (the reasons behind the solutions and decisions) that the state of “weak faith”. Second, the science of fiqh repertory, contemporary scholars put the Umar thoughts as a basis of ijtihad with the provision if the spirit of the background (‘illat law) is still visible, then the provisions of law applicable

Memahami Teks dan Konteks al-Qur’an tentang Komunikasi Bisnis Fetria Eka Yudiana
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

The purpose of this article is to construct the principles of businesscommunication which is based the Qur ’an. The author uses deductiveapproach to analyze this topic. The steps are: (1) looking for some verseswhich are relevant, (2) analyzing the text, (3) analyzing the present context,and (4) making some conclusions. Specifically, the Qur’an is not talkingabout the problem of business communication but there are some versesthat are explaining the principles of communication as qaulan balighan,qaulan maisuran, qaulan kariman, qaulan ma’rufan, qaulan layyinan, qaulansaddidan, and qaul al-Zur.Tujuan penulisan artikel ini adalah untuk mengkonstruksi prinsip-prinsipkomunikasi bisnis berdasarkan al-Qur ’an sehingga dapat disimpulkanbeberapa prinsip yang menjadi landasan dalam melakukan komunikasi bisnis.Analisis yang digunakan dalam penulisan artikel ini adalah dengan menggunakan pendekatan deduktif analisis tematik, dengan sistematika sebagai berikut penulis mencari beberapa ayat yang secara teks relevan, kemudian dianalisis secara teks dan konteks ayat, analisis konteks kekinian dan analisis praksis serta simpulan. Al-Qur’an secara spesifik tidak membicarakan masalah komunikasi bisnis, namun, jika diteliti (ada) banyak ayat yang memberikan gambaran umum prinsip-prinsip komunikasi. Dalam hal ini, penulis akan merujuk kepada tema-tema khusus yang diasumsikan sebagai penjelasan dari prinsip-prinsip komunikasi tersebut. Antara lain, term qaulan balighan, qaulan maisuran, qaulan kariman, qaulan ma’rufan, qaulan layyinan, qaulan sadidan, juga termasuk qaul al-zur, dan lain-lain. Berdasarkan analisis praksis yang sudah dilakukan maka prinsip-prinsip komunikasi bisnis yang dapat diturunkan dari ayat-ayat al Quran adalah sebagai berikut: conciseness, completeness, concreteness, clarity, consideration, courtesy, correctness.

Pengaruh Kualitas Pelayanan dan Corporate Social Responsibility Terhadap Citra Perusahaan Risna Nurjanah; Ade Sofyan Mulazid
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

AbstractThis research aims to analyze the quality of service and corporate social responsibility BNI Syariah against corporate image in PT BNI Syariah Center, Jakarta. Sampling technique used in this research is convenience sampling method, then the data in the process by using multiple linear regression analysis method. Sample in this research is BNI Syariah Center customer, Jakarta amounts to 100 respondents. This research is a quantitative research and data analysis method using multiple liniear regression. The result of this research shows that partially the service quality and corporate social responsibility variables significantly influence the image of the company in syariah bank. Simultaneously the service quality and corporate social responsibility variables significantly influence the image of the company in syariah bank at the level of significance less than 0.05 or 5%.AbstrakPenelitian ini bertujuan untuk menganalisis kualitas pelayanan dan corporate social responsibility BNI Syariah terhadap citra perusahaan di PT BNI Syariah Pusat, Jakarta. Teknik pengambilan sampel yang digunakan dalam penelitian ini adalah metode convenience sampling. Kemudian data diproses dengan menggunakan metode analisis regresi linear berganda. Sampel dalam penelitian ini merupakan nasabah BNI Syariah Pusat, Jakarta berjumlah 100 responden. Penelitian ini adalah penelitian kuantitatif dan metode analisis data menggunakan regresi liniear berganda. Hasil dari penelitian ini menunjukan bahwa secara parsial variabel kualitas pelayanan dan corporate social responsibility berpengaruh secara signifikan terhadap citra perusahaan di bank syariah. Secara simultan variabel kualitas pelayanan dan corporate social responsibility berpengaruh secara signifikan terhadap citra perusahaan di bank syariah pada tingkat signifikansi kurang dari 0,05 atau 5%.

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