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Nur Jamaludin
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Gedung STES Islamic Village, Ruang LPPM Lantai III Jalan Qodar Raya No.12 Kelapa Dua Tangerang, Banten
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Islaminomics: Journal of Islamic Economics, Business and Finance
Published by Sekolah Tinggi Ekonomi Syariah Islamic Village
ISSN : 20879202     EISSN : 26846772     DOI : 10.47903/ji.v10i2
Core Subject : Economy,
Economics, Econometrics & Finance
Aims and Scope The islaminomics: Journal of Islamic Economics, Business, and Finance publishes quality and valuable articles on current issues within Islamic economics, business and entrepreneurship as well as finance. This Journal welcomes and invites researchers to publish their studies here in related to empirical works, and development theory studies or best practices on the above areas. In detail this journal covers broad issues of Islamic Economics, business and finance but be limited to: Islamic Finance: Fundamentals, trends and opportunities in Islamic Finance The development of akad (contract) in Islamic finance The proposed models of financial instruments Islamic banking and financial markets Sukuk and equity and all products of Islamic finance Risk management Corporate finance Investment strategy Islamic social finance (zakat, awqaf atc) Financial planning Housing finance Legal and regulatory issues etc Islamic Business, Management and Entrepreneurship: The Islamic Business way, model, ethics and values Good Corporate Governance Corporate Culture in Islamic Perspective The implementation of service quality and the impacts The Islamic corporate social responsibility and its implications on business Management styles and strategies in Shariah Frame Work The development of Islamic entrepreneurship theory Islamic Ethics in business way Islamic Economics: The fundaments of Islamic Economics The Development of Islamic Economics Theories Islamic values/principles of Islamic Economics Labor and welfare economics in Islamic Economic Political economy in the frame works of Islamic Frame Work The Economics of Zakat Third Sector Economy Comparation of Economic System The implementations of Islamic principles in Consumption and soon etc The journal is the only title aiming to give an interdisciplinary and holistic view on Islamic finance and business management practices in order to inform these two intertwined communities.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 112 Documents
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INVESTASI WAKAF UANG: STUDI KASUS PADA DOMPET DHUAFA DAN AL AZHAR PEDULI UMAT Mariya Ulpah; Asep Saepudin Jahar
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 9, No 2 (2019): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v9i2.88

Abstract

This study attempts to investigate the innovation model of cash waqf investment at business sectors. Various Investment has been conducting by the waqf board such as: Dompet Dhuafa through its subsidiary Tabung Wakaf Indonesia and Al-Azhar Peduli Umat. By conducting interview to many parties and documentation study this study finds that cash waqf contributes to improvement many sectors related to the poor such as: building health facilities, educational program, and economic program development for the needy.
PRINSIP KEADILAN DALAM IJĀRAH MUNTAHIYAH BI ATTAMLĪK (IMBT); KUH PERDATA vs FIKIH KLASIK Maskur Rosyid
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 5, No 2 (2014): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v5i2.34

Abstract

Akad IMBT maupun sewa beli pertama kali muncul untukmenampung persoalan bagaimanakah caranya memberikan jalankeluar apabila pihak penjual menghadapi banyaknya permintaandari pembeli untuk membeli barangnya akan tetapi calon pembelibelum mampu membayar harga barang yang dibeli secara tunai.Pihak penjual bersedia menerima harga barang itu dicicil ataudiangsur oleh pembeli tetapi penjual memerlukan jaminan bahwabarangnya sebelum harga dibayar lunas tidak akan dijual lagi olehsi pembeli. Dengan dijadikannya penyewa, maka si pembeliterancam pidana manakala ia sampai berani menggelapkan obyekperjanjian. Keberadaan azas kebebasan berkontrak bagi para pihakyang akan melakukan perjanjian memberikan inspirasi bagi parapengusaha untuk mengembangkan bisnis dengan cara IMBT.Mereka berpandangan bahwa kalau mereka hanya denganmenggunakan jual beli semata maka barang dari pengusaha tidakakan laku, ini disebabkan kondisi sosial ekonomi masyarakat yangrendah dan tidak memiliki banyak uang kontan.Sementara itu, pengumpulan dua akad dalam satu akad tidak samadengan pengumpulan dua akad yang terjadi dalam sewa-beli. Akadbai‘ yang dikumpulkan dengan akad ijarah atau hibah merupakandua akad yang berbeda dan dilaksanakan secara sendiri-sendiridalam waktu yang berbeda pula. Akad bai‘ merupakan akad pokoksedangkan akad ijarah atau akad hibah merupakan akad tambahansebagai syarat (digantungkannya) akad pokok. Sedangkan dalamsewa beli, akad ijārah dan bai‘ keduanya dicampur menjadi satukemudian dilaksanakan secara sekaligus dalam satu aktivitasmuamalah. Pembayaran yang dilakukakan selama masa angsurandapat berubah fungsi, tergantung dari kemampuan pembeli untukmelunasi angsurannya. Jika pembeli tidak dapat melunasiangsurannya, maka pembayaran tersebut berfungsi sebagai sewa,tetapi jika mampu melunasinya, berfungsi sebagai pembayaran88 │Jurnal ISLAMINOMIC Vol. V. No. 2, Agustus 2016harga jual beli. Adanya karakter sewa beli seperti itu menjadikanbentuk akad dalam sewa beli tidak jelas karena tidak termasukkategori bai’ maupun ijarah, dan tidak pula termasuk kategori akadbersyarat yang dibolehkan. Dengan tidak jelasnya bentuk akadtersebut, kiranya akad sewa beli dapat dikategorikan sebagai akadyang mengandung ”garār”. Selain itu, akad sewa beli yangseringkali disertai dengan klausul-klausul yang meniadakan hakhak pembeli atau yang mengeksploitir pembeli serta terjadinyaketidakseimbangan kedudukan antara penjual dan pembeli. Denganadanya klausul seperti itu, maka sewa beli dapat dikategorikansebagai akad yang mengandung syarat yang dilarang oleh syara’ danbisa juga dikategorikan sebagai akad yang mengandung “gubn”.Tulisan ini diketengahkan guna memperbandingkan kedua konseptersebut.
ISLAMIC FINANCING MECHANISM FOR SMALL MEDIUM ENTERPRISES IN AGRICULTURE SECTOR: A PROPOSED MODEL Thuba Jazil
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 9, No 1 (2019): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v9i1.64

Abstract

This paper aims to discuss the construction of proposed model on the Islamic financing mechanism of Islamic banking system for the agriculture and small medium enterprises sector. A qualitative approach used in this study employing the Participatory Rural Approach and Focus Group Discussion using Triangle Microfinance Concept. The result shows that the synergy of the various sectors ranging from the central government through the Institute of relevant Ministries e.i Ministry of Finance Ministry of Agriculture, Local Government, Non-Profit (Zakat) Organization (BAZNAS/LAZ), Universities, Non-Government Organisations, Supporting Institutions i.e. Islamic agriculture Insurance, Islamic Financing Deposit Insurance, and Rating Agency need to be synergized. Additionally, the distrust of Islamic banking industry is found to allocate a financing to farmers and SMEs actors. Farmers and SMEs actors should be prepared through the empowerment in terms of skills, moral and financial literacy. Establishment of Agriculture Purpose Vehicle is urgent to support the flow of Islamic Financing as to solve the problem of off-farm agriculture, collateral, and positive cooperative relationship.This paper contributes to the bridge the gap between the regulator, Islamic bank’s trust to farmers and SMEs development.
Pengaruh Pembiayaan Musyarakah dan Pembiayaan Mudharabah Terhadap Laba Bersih Pada Bank Umum Syariah Sutrisno Harisadono; Nurul Fauziah
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 4, No 3 (2013): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v4i3.23

Abstract

Akuntansi syariah tidak melulu berbicara angka namun lebihkepada perilaku (behavior), sehingga dengannya diharapkanmenjadi pelopor dalam menegakkan ketertiban pembukuan,pembagian yang adil, larangan penipuan mutu, timbangan,bahkan termasuk tidak terjadi benturan kepentingan antarperusahaan yang bisa merugikan kalangan lain. Salah satukendala pokok uang dihadapi perbankan syariah adalahstandardisasi system akuntansi dan audit. Salah satu kendalapokok uang dihadapi perbankan syariah adalah standardisasisystem akuntansi dan audit. Hal ini pada akhirnya akanmeningkatkan laba bersih (net income) yang dengannya bankakan mampu menghadapi persaingan sekaligus melakukanekspansi pasar dan kontinuitas usaha bank akan lebih terjamin.Penelitian ini terfokus pada pengaruh model transaksimudharabah dan musyarakah terhadap laba bersih pada bankumum syariah.
Empowering Woman in Islamic Microfinance: Lesson from Grameen Bank in Bangladesh, BMT and MBK Venture Capital in Indonesia Atiqi Chollisni Nasution
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 4, No 2 (2013): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v4i2.14

Abstract

Recently, microfinance have become an important component toreduce poverty. By involving the poor in the economic activities,most of microfinance institutions (MFIs) have succeeded inrunning their programs and have been flourished to improve thequality of poor people life. This study indicated that womenentrepreneurs have contributed positively either to householdincome or economic development. However, their contributionshave not optimalized yet in the microfinance program. The studyattempts to describe and review the microfinance program thatmight encourage the development of empowering women. Theobjective is to analyze the successful of microfinance programsthat have been applicated by some famous MFIs namely GrameenBank in Bangladesh, MBK Venture Capital and BMT (Baitul Maalwa Tamwil) in Indonesia. It is found that BMT’s marketingstrategy and MBK’s financing services are the suitable criteriasto enhance the number of women entrepreneurs and optimalize theprofitability of MFI. Meanwhile, Grameen Bank’s managementmodel is useful for minimizing the risk of microfinance program.
Pengaruh Penyaluran Pembiayaan Koperasi Baitul Maal Wat Tamwil dengan Akad Murabahah terhadap Pendapatan Usaha Mikro Kecil Menengah di Desa Babakan Bogor (Studi Kasus: KBMT Tadbiirul Ummah) Hasna Halimatur Rosyidah; Mukhbitah Mukhbitah; Wikiandaru Wikiandaru
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 10, No 2 (2020): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v10i2.129

Abstract

Nowadays, Indonesia is still experiencing the economic equality gap, especially in rural and urban areas. The Central Bureau of Statistics in Indonesia (2015) revealed the ratio of economic disparities between rural and urban areas by 0.41. This is clearly not in accordance with the words of Allah SWT, which reads "... so that it may not be (a benefit) going round and round among such of you as may (already) be rich.... (Al-Hashr: 7)." This ayah describes the importance of economic equality in village in order to create prosperity. The difficulty of rural communities in accessing financial facilities, in particular to develop the real sector in the form of UMKM which are the main foundation of the economy, has now helped by the existence of financial institutions KBMT. It is an alternative provider of financing facilities for UMKM in the village. One of them is KBMT Tadbirrul Ummah that has been contributing to society in the village of Babakan, Bogor. The magnitude of the KBMT Tadbirrul Ummah effect is examined using quantitative descriptive method to benchmark the dependent variable. It is the income after financing and independent variables, namely the micro loan product used. Furthermore, to get the effect of KBMT financing to UMKM, the writer conducted an analysis by comparing the advantages of KBMT respondents before and after obtaining the financing. The results showed that 62.4% of data processing development value diversity gains can be explained independent variables. The amount of BMT murabahah financing give the positive influence on changes in the business profits of UMKM with significant regression coefficient of 0.781 and on the real level of five percent. This means that if the amount of Islamic micro finance BMT increased Rp 1.000.000, the development benefits obtained by businesses will increase by Rp 781.000.
Penempatan Kerja Dan Rotasi Kerja Vs Kinerja Karyawan Didi Suarni; Rika Yusminah
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 7, No 1 (2016): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v7i1.49

Abstract

Penelitian ini berusaha untuk meneliti apakahpenempatan kerja dan rotasi kerja berpengaruh positif terhadapkinerja karyawan pada PT. Bank BNI Syariah Kantor CabangTangerang. Penelitian ini menggunakan metode deskriptifkuantitatif, dengan menggunakan sampel sebanyak 30responden, pengumpulan data menggunakan angket kuesionerdan dianalisis menggunakan regresi linear berganda, dimanasebelumnya dilakukan uji validitas dan uji reliabilitas terlebihdahulu. Pada uji parsial, hasil penelitian ini menunjukkan bahwavariabel penempatan kerja tidak berpengaruh positif padavariabel kinerja karyawan, sedangkan variabel rotasi kerjaberpengaruh positif dan signifikan terhadap variabel kinerjakaryawan. Pada uji simultan variabel-variabel independensecara signifikan menpengaruhi variabel dependen.
Prinsip 5C Sebagai Instrumen Utama dalam Analisis Pembiayaan (Studi Kasus di Koperasi Jasa Keuangan Syariah Baitul Mal Wat-Tamwil Nuansa Umat Cabang Ngoro) Muhammad Ma'rur
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 10, No 1 (2020): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v10i1.95

Abstract

Credit Risk Management for Banks and other Financial Institutions is very important, especially in providing loans or financing to customers. To reduce the occurrence of credit risk in the form of default, banks and other financial institutions should apply the 5C of principle. This  principle consist of; character, capacity, capital, collateral, and condition of economy. One of the financial institutions that has implemented this principle is the KJKS BMT Cabang Ngoro . but the facts show that the level of credit risk that occurs at BMT is very high (reaching 10%). This condition brings problems that needs to be  analysed and to provide the solutions to overcome this obstacle. This research uses a qualitative method with a field approach. The research process begins by conducting interviews, observations and documentation of the primary data needed. Furthermore, researchers conducted data analysis by reducing to make a working hypothesis. The results of this study can be concluded that the implementation of 5C principle in the financing assessment cannot be carried out to the the maximum level, therefore has brought  an impact on high defaults. Financial default  problems in BMT NU can be classified into two factors: a. Internal factors, namely the lack of professionalism of BMT managers. This cannot be separated from the problem of the lack of employee experience and the minimal number of BMT management members. In addition, the lack of clarity on NU's BMT towards non-collateral loan collections also contributed to this situation. b. external factors, namely factors of the customer itself. Because in some cases it can be seen that there are customers who are able to fulfill their obligations but are reluctant to pay, or even run away.To overcome this problem, the Central NU BMT must pay more attention and provide additional officers who have work experience, bearing in mind that all officers in the BMT ngoro branch are new employees. Keyword: Character, Collateral, Capital, BMT, Credit Risk, 5C’s of financial Management
Mudharabah dan Murabahah; Pengaruhnya Terhadap Laba Bersih BUS Maskur Rosyid; Fitria Nurdina
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 6, No 2 (2015): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v6i2.39

Abstract

Penelitian ini diarahkan untuk mengetahui pengaruhpembiayaan Mudharabah dan piutang Murabahah terhadap lababersih. Metode yang digunakan dalam penelitian ini adalah metodedeskriptif analisis dengan pendekatan kuantitatif , sampel data yangdigunakan adalah laporan keuangan Bank Umum Syariah diIndonesia yang tercatat di Otoritas Jasa Keuangan dan beroperasisecara terus menerus selama periode tahun 2010-2013.Pengujian statistik yang digunakan adalah menggunakan modelregresi linier berganda (multiple regresion analysis) atas data yangtersedia bagi variabel dependen yaitu Laba Bersih (Y) dan variabelindependen yaitu Mudharabah (X1) dan Murabahah (X2).Penggunaan model diatas untuk menguji pengaruh kedua variabelindependen dengan variabel dependen baik secara individual(partial) maupun secara (simultan) dengan menggunakan programaplikasi SPSS 21. 0 for windows.Hasil penelitian dari analisis bersama-sama atau uji f antarapembiayaan Mudharabah dan piutang Murabahah menunjukanhasil yang signifikan. Dari hasil pembahasan ini maka piutangmurabahah lebih berpengaruh terhadap laba bersih karena peminatmurabahah lebih banyak dibandingkan dengan pembiayaanMudharabah.
MANAGING ENGLISH COMPETENCE AS A COMPETITIVE ADVANTAGE: CASE STUDY AT STES ISLAMIC VILLAGE TANGERANG Muizzudin Muizzudin
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 9, No 1 (2019): ISLAMINOMICS: Journal of Islamic Economics, Business and Finance
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/ji.v9i1.77

Abstract

The purpose of this research is to know the level of English competence the students of the seventh semester at STES Islamic Village Tangerang in the academic year of 2018-2019. The instrument of this research is TOEFL paper-based test called TOEFL Prediction. The result of this research showed out of forty students only one student (2.5 %) achieved the minimum score required by the institution. Most of them (97.5 %) could not reach the minimum score. Although this is still the initial step to manage English competence as a competitive advantage for STES Islamic Village Tangerang. The research result will lead to the necessity of follow-up research to do so..  

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