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EKONOMIKA SYARIAH : Journal of Economic Studies

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Published by Institut Agama Islam Negeri Bukittinggi

ISSN : 26147890 EISSN : 26148110 DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

Jurnal Ekonomi Syariah adalah forum untuk memberikan pemahaman ilmiah dalam hal ekonomi, keuangan serta perbankan syariah. Ini juga memberikan peran penting dalam mempromosikan proses pengetahuan, nilai-nilai dan keterampilan. Teks ilmiah yang membahas topik ekonomi, keuangan dan perbankan syariah sangat diharapkan untuk disajikan. Jurnal-jurnal tersebut terdiri dari artikel penelitian, laporan penelitian, ulasan, komunikasi singkat dan informasi ilmiah di bidang ekonomi, keuangan, dan perbankan syariah termasuk realitas, regulasi, implementasi, dan dampaknya.

Arjuna Subject : -

Articles 77 Documents

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Pengaruh Financial Sustainability Terhadap Jangkauan BPR Syariah Di Propinsi Sumatera Barat Hidayatul Arief; Iiz Izmuddin; Hesi Eka Puteri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 3, No 2 (2019): Juli-Desember 2019
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

This study aims to analyze the effect of Financial Sustainability as proxied by CAR, FDR, ROA, ROE, NOM and BOPO on the outreach of BPR Syariah that are proxied by the number of financing customers in West Sumatra Province. The study population was all BPR Syariah in the Province of West Sumatra, the research sample was taken using purposive sampling technique to obtain a sample of 6 companies. The data analysis technique used is the panel data regression method which is a combination of cross section data and time series data using STATA 13 software. While testing the hypothesis using the GLS model with a significance level of 5%. The results of the analysis showed that partially the FDR and ROA variables had a significant effect on increasing outreach while the other variables had no significant effect on the outreach of BPR Syariah in West Sumatra Province. Financial Sustainability has a significant simultaneous effect on the outreach of Sharia Rural Banks in West Sumatra Province. Penelitian ini bertujuan untuk menganalisis pengaruh Financial Sustainability yang diproksikan oleh CAR, FDR, ROA, ROE, NOM dan BOPO terhadap jangkauan BPR Syariah yang diproksikan dengan jumlah nasabah pembiayaan di Propinsi Sumatera Barat. Populasi penelitian adalah seluruh BPR Syariah yang ada di Propinsi Sumatera Barat, sampel penelitian diambil menggunakan teknik purposive sampling sehingga diperoleh sampel sebanyak 6 perusahaan. Teknik analisis data yang digunakan adalah metode regresi data panel yang merupakan gabungan dari data cross section dan data time series dengan menggunakan perangkat lunak STATA 13. Sedangkan pengujian hipotesis menggunakan model GLS dengan tingkat signifikansi 5%. Hasil analisis menunjukkan secara parsial variable FDR dan ROA memilik ipengaruh signifikan terhadap peningkatan jangkauan sedangkan variable lainnya berpengaruh tidak signifikan terhadap jangkauan BPR Syariah di Propinsi Sumatera Barat. Financial Sustainability memiliki pengaruh yang signifikan secara simultan terhadap jangkauan BPR Syariah di Propinsi Sumatera Barat

Perbedaan Pandangan Fuqaha Ihwal Bunga Bank dan Riba Rahmat Firdaus
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 3, No 2 (2019): Juli-Desember 2019
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v3i2.2150

In this sophisticated era, people generally entrust money to banking services. In addition to getting security guarantees, the public also benefits from banks in the form of interest or profit sharing.Methods and Findings: The purpose of this study was to determine the differences in the views of fuqaha regarding bank interest and usury. This research is characterized by library research as one type of library research and the method used is literature study while data analysis uses content analysis techniques. The results of this study indicate that in understanding bank interest and usury fuqaha different opinions. First, the textual paradigm understands the nature of the prohibition of usury lies in the existence of additional, as the meaning contained by the word riba itself and based on nas confirmation, that only the principal capital can be taken, so that if the ilat is in bank interest, then the bank interest is usury . Second, the contextual paradigm understands the passage of prohibiting usury in context, namely the existence of zulm elements or exploitation that occurs when forbidden usury. So that these conditions when found in the application of bank interest, then the bank interest is categorized as usury with a clear legal status, namely haram. This group sees that what happens in bank interest is no element of zulm or exploitation, so they determine that bank interest does not include usury, and the law is permissible. Pada zaman yang serba canggih ini, umumnya masyarakat menitipkan uang pada jasa-jasa perbankan. Selain mendapatkan jaminan keamanan, masyarakat juga mendapatkan keuntungan dari bank berupa bunga atau bagi hasil. Metode dan Temuan: Tujuan penelitian ini untuk mengetahui perbedaan pandangan fuqaha mengenai bunga bank dan riba. Penelitian ini bercorak library research salah satu jenis penelitian kepustakaan dan metode yang digunakan adalah studi literatur sedangkan analisis data menggunakan teknik analisis isi (content analisis). Hasil penelitian ini menunjukan bahwa dalam memahami bunga bank dan riba fuqaha berbeda pendapat. Pertama, paradigma tekstual memahami ilat pengharaman riba terletak pada adanya tambahan, sebagaimana makna yang dikandung oleh kata riba itu sendiri dan berdasarkan konfirmasi nas, bahwa hanya modal pokok yang dapat diambil, sehingga apabila ilat itu terdapat di bunga bank, maka bunga bank tersebut adalah riba. Kedua, paradigma kontekstual memahami nas dari pengharaman riba secara konteks, yaitu adanya unsur zulm atau eksploitasi yang terjadi pada waktu diharamkannya riba. Sehingga kondisi tersebut bila dijumpai pada pemberlakuan bunga bank, barulah bunga bank itu dikategorikan sebagai riba yang status hukumnya jelas, yaitu haram. Kelompok ini melihat bahwa apa yang terjadi di bunga bank tidak ada unsur zulm atau eksplotasi, sehingga mereka menetapkan bunga bank tidak termasuk riba, dan hukumnya boleh.

Kajian Ekonomis Penyelesaian Sengketa Bisnis melalui ADR (Alternative Despute Resolution) Miswardi Miswardi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

In line with the increasing demands of the business in the era of globalization, especially related to the resolution of business conflicts, business people have tried to find alternative dispute resolution methods other than justice. This is because the judicial institution as a legal institution that should be able to play its role in efforts to resolve various kinds of business conflicts, is in reality not as expected by business people. There is support for normative formalities. Therefore alternative dispute resolution institutions can be used as a very possible choice. This alternative institution is considered more effective in various aspects of business dispute resolution, in response to the demands of very fierce business competition. Some economic benefits gained from choosing a solution through ADR (Alternative Despute Resolution) are that this model is not formal, saves more time and also minimize costs in dispute resolution.

Sinergisitas Sikap dan Pengetahuan dalam Pengembangan Jiwa Kewirausahaan Mahasiswa Febi IAIN Bukittinggi Harfandi Harfandi; Era Sonita
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

The objective of this research to analysis deeply examine the synergy of attitude and knowledge to develop entrepreneurship spirit of the students of Faculty of Economics and Islamic Business (FEBI) IAIN Bukittinggi. After analyzed qualitatively using; SWOT analysis, SWOT Matrix, and Charge Table Score, it can be pointed out that the synergy of attitude and knowledge in the development of entrepreneurship of students namely; 1) To grow values: honesty, tolerance, ideas and creativity, awareness of the norms and rules, a strong spirit in learning, a strong drive to excel, confidence, and independence, interest, perseverance, and motivation, the desire to explore and produce economic resources, entrepreneurial spirit and entrepreneurship, And, 2). Realizing knowledge about; entrepreneurship ideas that suits the needs of the market, the development of business prospects, and business management. This research contributed to prepare the graduates who can compete in both academic and non-academic fields

Pengaruh Inovasi Dan Kreativitas Produk Terhadap Ketahanan Ekonomi Masyarakat Pada Industri Kerajinan Kapuk Tessa Yuliani; Liz Izmuddin; Anne Putri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

This research is due to the problems in Jorong Batu Limbak related to the problem of making the cotton industry. For the people of Jorong Batu Limbak, the kapok handicraft industry is an industrial activity that must be developed so that people's economic resilience can be increased. This industry initially only processed cottonwood, but in its development there was a business making casual mattresses, dolls and others. The purpose of this study was to analyze the effect of the creativity of the kapok industrial product creativity on the economic resilience of the community in Jorong Batu Limbak. The research method used in this study is field research with a quantitative approach. The sample of this research is cotton entrepreneurs who innovate and creativity in the cotton industry. technical analysis used is multiple linear regression analysis. these findings reveal that Innovation and Creativity in the Kapok Industry in Jorong Batu Limbak have a significant influence on the economic resilience of the community as evidenced by the results of multiple linear regression Y = 12,962 + 0,22X1 + 0,628X2 + e. There is a positive influence between Product Innovation and product creativity on Community Economic Security, which is 51.2%

Pengaruh Kualitas Pelayanan Terhadap Kepuasan Nasabah Perbankan Syariah Nasfi Nasfi; Rahmad Rahmad; Sabri Sabri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

The object of Islamic banking research of PT. BPRS Hajj Poor Head office of Tanah Land Regency and Payakumbuh City Branch Office, to test the effect of service quality, namely tagible (physical appearance), empathy (attention), reliability (reliability), responsiveness (response) and assurance (guarantee) ) to customer satisfaction. The study population uses accidental sampling (accidental sampling), a sampling technique based on coincidence of savings and financing product customers, which is feasible as a source of data for 10 days, with a sample of 100 people. Analysis of research data on structural equation models, the SPSS application program tests 5 (five) hypotheses that have been developed. 5 (five) hypotheses submitted were accepted, Tangibles had a significant effect on customer satisfaction, tangibles regression coefficient (X1) 0.235 was positive, indicating that with increased tangibles (X1) would increase satisfaction, Empathy had a significant effect on customer satisfaction. Empathy regression coefficient (X2) 0.160 is positive, indicating an increase in empathy (X2) will increase customer satisfaction, reliability has a significant effect on customer satisfaction, reliability regression coefficient (X3) 0.459 customer marks, showing an increase in reliability (X3) increases customer satisfaction, influential responses significant to customer satisfaction. Responsiveness regression coefficient (X4) of 0.787 is positive, indicating increased responsiveness (X4) increases customer satisfaction, Assurance has a significant effect on customer satisfaction, assurance regression coefficient (X5) of 0.514 is positive, shows an increase in Assurance increases customer satisfaction.

Peran Non Performing Financing terhadap Profitabilitas Bank Pembiayaan Rakyat Syariah dengan Inflasi sebagai Variabel Moderasi Muhammad - Zulkarnain; Heliyani Heliyani
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

The research aims to examine the role of Non-Performing Financing (NPF) on the profitability of financing in Sharia Banks with inflation as a moderation variable. The population of this research is Islamic Rural Banks in West Sumatra Indonesia, which was registered in the Financial Services Authority (OJK) in the 2015-2018 period. Samples of research were taken purposively as many as seven units of Islamic Rural Banks which were spread in West Sumatra Indonesia. The data analysis technique used is a regression method with panel data (pooled data) which is a combination of cross section and time series data using Software Eviews8. The results of the analysis showed that Non-Performing Financing (NPF) has a negative effect on profitability, which is proxied by ROA. Furthermore, this research proves that the inflation does not moderate or weaken the influence of the NPF on the profitability of Islamic Rural Banks. This research contributes in expanding the direct relationship between NPF and profitability which in previous research was not elaborated further.

Pengaruh Hedonisme dan Religiusitas Terhadap Perilaku Konsumtif Mahasiswa Arif Rahmat; Asyari Asyari; Hesi Eka Puteri
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v4i1.3198

This study aims to analyze the influence of hedonism and religiosity on the consumptive behavior of students at the Faculty of Islamic Economics and Business, State Islamic Institute of Bukittinggi, West Sumatera, Indonesia. The population in this studi was 3,900 students and the sample was 363 of them that were selected by using the cluster sampling techniques. The results showed that hedonism has a positive influence on the consumptive behavior of students, it means that the higher of the level of hedonism, the higher the consumptive behavior of students. Meanwhile, religiosity was found to have the negative effect on the consumptive behavior of students, its meant that the higher the level of religious students, the lower the consumptive behavior of students, this study suggests that hedonism and religiosity explain variations in student consumer behavior by 64.5%, while the remaining 35.5% % is explained by other variables not explored in this study. This finding shows that to manage consumption properly, students must control their hedonism and increase their level of religiosity so that they will far from consumptive habits.

Analisis Model Pendistribusian Zakat Produktif Baznas Kabupaten Tanah Datar (Kajian Empiris di Nagari Parambahan Kecamatan Lima Kaum) Widi Nopiardo Nopiardo
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 1 (2020): Januari-Juni 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

The problem in this research is the unknown detail about the distribution of productive of zakat in Nagari Parambahan and this study aims to determine the effectiveness of the distribution of productive zakat models. The type of research is a field research which is described in a descriptive qualitative manner. Data collected by using interviews and documentation and analyzed with data reduction, data presentation, and drawing conclusions related to the distribution of zakat. The results showed that productive zakat assistance conducted by BAZNAS has not been effective in the framework of developing mustahik business. There are still many undeveloped mustahik businesses, as follows: for livestock businesses out of 23 mustahik who receive assistance in the form of animals livestock (goats / ducks) there are 11 mustahik that are developing and 12 are not developing, while for agriculture out of 5 mustahik who receive productive zakat assistance, none of them are developing, while for business capital of 11 mustahik there are 4 mustahik whose business is developing and 7 not developing, and for assistance in the form of a home industry of 4 years, only 1 person mustahik who get home industry assistance, namely in 2018 and developing.

Peranan Bundo Kanduang Mengembangkan Wisata Halal Ekonomi Kreatif Berbasis Kearifan Lokal di Tirtasari Tilatang Kamang Rusyaida Rusyaida; Noor Fadlli Marh
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 4, No 2 (2020): Juli-Desember 2020
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v4i2.3704

Halal Tourism is becoming a new trend in the world and each destination strives to take advantage of this opportunity as a new step in tourism development. There are several tourist destinations that are managed by the community by involving all elements including women or “bundo kanduang”. The term Bundo Kanduang is a call to women according to the Minangkabau customary order, especially to mothers. Bundo kanduang who are successful in the nagari will be respected in adat, which take one step first, be exalted by one another, respected and respected by the people and the community in the village. This research is a field research with a qualitative approach. The informants of this study consisted of community leaders, Bundo Kanduang, and tourism actors. The purposive sampling was used so that the information obtained are in accordance with existing realities. The results showed that there was an important role of Bundo Kanduang in developing halal tourism relate to local wisdom that adheres to the principles and values of Islam in the Tirtasari area. Halal tourism is managed by the local government with the community, but the role of bundo is more dominant as a service and tourism actor . Halal Tourism menjadi trend baru di dunia dan masing-masing destinasi berupaya kuat memanfaatkan peluang tersebut sebagai langkah baru dalam pengembangan wisata. Terdapat beberapa destinasi wisata yang dikelola masyarakat dengan melibatkan semua unsur termasuk peran perempuan atau bundo kandung. Istilah Bundo Kanduang adalah panggilan kepada perempuan menurut tatanan adat Minangkabau khususnya kepada kaum ibu. Bundo kanduang yang sukses dalam nagari akan terpandang dalam adat, yang didahulukan selangkah dan ditinggikan seranting, disegani dan dihormati kaum dan masyarakat dalam nagari Penelitian ini merupakan penelitian lapangan dengan pendekatan kualitatif. Informan penelitian ini terdiri dari beberapa orang tokoh masyarakat, bundo kanduang, dan beberapa orang pelaku wisata. Pendekatan purposive sampling digunakan agar informasi dan data yang diperoleh sesuai dengan realita yang ada. Hasil penelitian menunjukkan bahwa terdapat eksistensi peranan bundo kanduang dalam mengembangkan wisata halal sebagai wujud kearifan lokal yang berpegang teguh pada prinsip dan nilai Islam di daerah Tirtasari Tilatang Kamang. Wisata halal dikelola oleh pemerintahan daerah setempat dengan masyarakat, namun peranan bundo kanduang lebih dominan sebagai pelayanan dan pelaku wisata di destinasi wisata. Di antara peranan bundo kanduang yaitu penanggung jawab wahana permainan anak anak, penanggung jawab pakan ikan, pengelola kuliner khas daerah, penjual cinderamata, dan usaha home stay di rumah penduduk yang kosong.

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