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INDONESIA
JESI (Jurnal Ekonomi Syariah Indonesia)
ISSN : 20893566     EISSN : 25031872     DOI : -
Core Subject : Economy,
JESI: Jurnal Ekonomi Syariah Indonesia adalah jurnal ekonomi yang memberikan kajian ekonomi syariah, lembaga keuangan syariah, dan bisnis syariah. Jurnal JESI berupaya untuk menyajikan hasil karya ilmiah, dalam bentuk tulisan yang mengulas pokok permasalahan perekonomian yang berlandaskan syariah islam.
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Articles 200 Documents
Analisis Maqashid Al-Syariah Dalam Sistem Ekonomi Islam dan Pancasila Ubbadul Adzkiya
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 1 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (306.984 KB) | DOI: 10.21927/jesi.2020.10(1).23-35

Abstract

The development of the Islamic economy in Indonesia has made the significant progress. Islamic economics has the spirit to integrate between the economy with religious theology. Indonesia has claimed itself as a country based on Pancasila and Constitution of 1945. Among Muslim economists, there are various opinions on the relationship between the state and religion that related to the position of the Islamic economy in a framework of the Indonesian State.This paper aims to strengthen the Islamic economic system in Indonesia, to strengthen Pancasila is according to maqashid al-sharia in economic terms, and a relevant alternative relationship between Islamic economy and Pancasila. The results of this study are The Islamic economy system in Indonesia is done in line with Pancasila as the basis of the State. This is based on the idea that Pancasila has included the interests of Muslims that are relevant with the objectives of sharia (maqashid al-syariah).
Comparative thought Ian A Fazlur Rahman and M. Syafii Amtonio about Bunga Bank Ambo Dalle Bohari; Syarifudin Syarifudin
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 1 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (33.238 KB) | DOI: 10.21927/jesi.2020.10(1).62-68

Abstract

The study, titled "Comparative thought Ian A Fazlur Rahman and M. Syafii Amtonio about Bunga Bank," aims to describe the figure's thinking about the bank's interest. According to A Fazlur Rahman looked to allow interest of the bank and did not equate with RIBA, and according to Muhammad Syafi'i Antonio looked at the bank interest of something unclean and equally legal with RIBA, that is equally haram. This type of research is a library research, which is research that makes the literature as the main source (data). The nature of this research is A comparative-comparatively describing the thought of A. Fazlur Rahman and Muhammad Syafi'i Antonio systematically and as objectively as possible.  The equation is not found in this study because the scholarly study was different. The difference is, A Fazlur Rahman does not agree if bank interest includes RIBA. Thus, it does not reject the elimination of bank interest in Pakistan on the grounds of economic development, although it includes the peace. To justify the bank's interest (RIBA) although it is not a threat of unrest and exploitative, different. While Muhammad Syafi'i Antonio argued that bank interest as something unlawful because bank interest is a principal loan burden to be paid at maturity, even if the effort or project suffered losses. So the borrower feels burdened with the increase in interest of the bank.
Studi Kelayakan Bisnis Pendirian Bank Pembiayaan Rakyat Syariah (BPRS) di Kalimantan Timur Dedy Mainata; Angrum Pratiwi
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 2 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (654.117 KB) | DOI: 10.21927/jesi.2020.10(2).112-131

Abstract

The economy of East Kalimantan as a whole is growing rapidly, however, this was not accompanied by the development of a Sharia Rural Bank (BPRS). This study aims to determine the feasibility of establishing a BPRS in East Kalimantan in terms of financial, marketing, social, economic, and cultural aspects as well as to find out which municipalities are feasible to establish BPRS. This type of descriptive qualitative research, the sample used in Balikpapan and Samarinda, the data collection techniques used observation and interviews. The results showed that the financial aspects of the BPRS were feasible to establish. NPV and IRR calculations show that the investment in the establishment of the BPRS is feasible. The market aspect looks at the potential of GRDP, population and purchasing power. The marketing aspect sees the potential growth of SMEs, business fields and the number of SMEs. Market segmentation and the target market for BPRS are SMEs engaged in trade and culinary. The economic aspect has an impact on regional income, the ease in providing cheap funds for SMEs, opens up community jobs. The social and cultural impact of the community being educated about banking. Balikpapan and Samarinda have great potential for the establishment of a BPRS. Samarinda is the most feasible to establish a BPRS.
Apakah Literasi Mempengaruhi Penerimaan Zakat? Clarashinta Canggih; Rachma Indrarini
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 1 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (678.616 KB) | DOI: 10.21927/jesi.2021.11(1).1-11

Abstract

Zakat is not only relates to ilahiyah worship but also relates to muamalah which has social and economic value. Zakat can be used as a tool to increase welfare and eradicate poverty. Since, Indonesia has large Muslim population, it supposes to has large amount of Zakat. However, the actual recorded zakat collection is still very far from the potency. People zakat literacy about zakat obligations is also low. This paper aims to see the impact pf zakat literacy to zakat collection by OPZ. This research was an associative quantitative study using PLS-SEM bootstrap with WarpPLS5. The object of this research was 9 OPZs (8 LAZNAS and 1 BAZ) which have representative offices in Surabaya. Respondents of this study were muzakki who represented OPZ. The results of this study indicated that zakat literacy has a significant effect on the realization of zakat collection, however the intention to pay zakat does not mediate the relationship between literacy and the realization of zakat collection. This research can be used to identify steps to increase zakat collection.
Tendensi Wakaf Uang di LWPNU-PWNU YOGYAKARTA Baiq Ismiati; Ageng Asmara Sani; Umi Saniatun Diniyah
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 1 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (463.741 KB) | DOI: 10.21927/jesi.2021.11(1).74-85

Abstract

Latar belakang dari penelitian ini adalah permasalahan wakaf uang sebagai salah satu instrumen penggalangan dana masyarakat untuk kepentingan kesejahteraan umat. Instrumen ini belum digarap secara maksimal, baik dari sisi penghimpunan maupun pengelolaannya hal ini berbanding terbalik dengan potensi wakaf yang sangat besar.Penelitian ini dilakukan di LWPNU-PWNU Yogyakarta. Jenis penelitian menggunakan lapangan (field research). Penelitian ini bersifat kualitatif deskriptif (qualitative descriptive research). Teknik pengumpulan data yang digunakan adalah observasi, wawancara dan dokumentasi. Adapun analisis data yang digunakan analisis data model Miles and Huberman dengan langkah- langkah data collection, data condensa, data display, dan conclusions drawing/verifysing.Berdasarkan hasil analisis yang telah diuraikan tentang “Tendensi Wakaf Uang di LWPNU-PWNU Yogyakarta (Antara Produktif Dan Konsumtif), maka dapat  dirumuskan; pertama,  lembaga pengelola wakaf tunai oleh LWPNU- PWNU Yogyakarta lebih memberikan pemahaman masyarakat manfaat adanya wakaf uang dan masyarakat melakukan pewakafan di lembaga. Kedua, Mekanisme pengelolaan Wakaf Uang di LWPNU-PWNU Yogyakarta dilaksanakan  menurut  UU wakaf dan peraturan pelaksanaanya diantaranya: Pertama, Proses penghimpunan, yang mana hal ini dilakukan oleh LWPNU- PWNU Yogyakarta dengan sistem bantingan dilakukan melalui kotak wakaf dan sebagainya.  Kedua,  mekanisme  LWPNU-PWNU  Yogyakarta  dalam pengelolaan wakaf uang  terdiri dari penghimpunan, sosialisasi, dan penyaluran dana  3)  Implikasi pengelolaan wakaf uang  di LWPNU-PWNU Yogyakarta terlihat pada tiga hal yakni: bidang sarana ibadah, bidang pendidika, dan bidang ekonomi.Kata kunci: Wakaf, Pengelolaan Wakaf Uang dan LWPNU-PWNU Yogyakarta.
Analisa Minat Mahasiswa Terhadap Penggunaan Layanan Internet Banking Bank BNI Syariah Rosmida Mufti; Teguh Suripto
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 1 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (205.216 KB) | DOI: 10.21927/jesi.2020.10(1).55-61

Abstract

The development of technology and information at this time, affect changes in service to customers. One form of technology utilization in banking is the e-banking or internet banking application, which is a banking service product that uses the internet network. Meanwhile the volume of banking transactions using internet banking in Indonesia both in frequency and volume continues to increase. In 2014, the volume of internet banking reached Rp. 6,447 trillion, up 17.32% compared to the previous year. it turns out that internet banking users are also dominated by young age. We can see this from the results of a survey conducted by the Indonesian Internet Service Provider (APJII). From the survey, it is known that 49.52% of internet banking users are aged 19-34 years, then 29.55% are aged 35-54 years, and 4.24% are 54 years and older.This research method is quantitative descriptive, an approach that illustrates the problem based on data in the form of numbers, then analyzed further to conclusions. The analytical tool is the SPSS Statistics Program.The results of the study stated that the perception of benefits. Perceived ease and risk perception apparently partially has a significant influence on students' interest in using internet banking services at BNI Syariah Bank. Meanwhile simultaneously these three variables also have a significant influence on students' interest in using internet banking services at BNI Syariah bank. While the determination number shows that when the variable can explain the variable student interest in using internet banking services by 57.5%, while the rest is explained by other variables.
Work Ethic And Strategic Development of Batik Pekalongan Indonesia on Islamic Business Perspective Muhamad Masrur; Agus Arwani
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 2 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (234.321 KB) | DOI: 10.21927/jesi.2020.10(2).67-83

Abstract

This paper aims to find out how the work ethics of Pekalongan batik entrepreneurs and the business development strategies of Pekalongan batik entrepreneurs from perspective of Islamic business ethics. This study uses a qualitative approach by observations, interviews, and documentation to Muslim entrepreneurs. The results study note that batik entrepreneurs in Pekalongan conduct their business with a high work ethic spirit, nature maintains and develops business, they do business development strategies mostly by Islamic business ethics, both from marketing strategies such as products, prices, distribution of promotions, and sales systems that adapted times, treating employees, still less additional capital that is related to conventional banking, and still a lack of awareness not to dispose of batik waste in rivers. The findings of the study that the businessman batik Muslims in Pekalongan have the ethic of work are high and pass strategy development effort batik using principle business of Islam.  
Implementasi Kepemimpinan Otentik dan Person-Organisation Fit serta Hubungannya dengan Kontrak Psikologis dan Komitmen Organisasional Islami Tien Suhartini
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 2 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (325.483 KB) | DOI: 10.21927/jesi.2020.10(2).132-149

Abstract

Penelitian mengenai kepemimpinan telah dilakukan berpuluh tahun yang lalu di berbagai negara. Topik ini memang selalu menarik karena organisasi selalu mengalami perubahan, baik dipengaruhi oleh faktor internal maupun eksternal, sehingga para  peneliti berusaha terus mencari kelebihan dan kelemahan gaya kepemimpinan agar bisa menemukan tipe kepemimpinan yang paling dibutuhkan dalam sebuah organisasi, yang membuat organisasi tersebut bisa sustain. Sementara ini, Kepemimpinan Otentik (Authentic Leadership) dianggap paling sesuai untuk berbagai organisasi. Bagi seorang pekerja, kesesuaian yang dibutuhkan tidak  hanya dengan pemimpin, tapi juga dengan lingkungan organisasi agar tercipta perasaan nyaman selama bergabung dengan organisasi tersebut. Perasaan nyaman dan terikat dengan organisasi ini bisa memperkuat kontrak psikologis pekerja, yang pada gilirannya akan memunculkan komitmen. Tulisan ini merupakan conceptual paper yang tidak hanya meringkas penelitian terbaru, tetapi juga menyediakan integrasi literatur, menawarkan kerangka kerja terintegrasi, memberikan nilai tambah, dan menyoroti arah untuk penyelidikan di masa depan. Tujuan utama dari penelitian ini adalah untuk mengembangkan model hubungan antara kepemimpinan otentik dan kesesuaian pekerja-organisasi dengan kontrak psikologis Islami dan komitmen organisasional Islami
Islamic Development Concept: A Proposal For Betterment of Muslim Ummah in the Post-Pandemic Episode Sebastian Herman
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 1 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (423.53 KB) | DOI: 10.21927/jesi.2021.11(1).12-27

Abstract

Islamic civilization was the pearl of the world with multidimensional aspects of achievements, especially during the Dark Age of West civilization. In stark contrast to this, the Muslim world nowadays is experiencing a marginalized society on this planet. The majority of Muslim countries are backward educationally, socially, economically, and politically. Furthermore, the world nowadays is suffering an economic crisis due to the impact of the COVID-19 pandemic.  This study tries to investigate the economic development concept from an Islamic perspective, compare it with current data on OIC member countries and provide recommendations for policymakers to stave the disaster off. The study adopts a quantitative approach in form of a literature review, discourse, and critical content analysis. It found that economic development in an Islamic perspective can be defined as a multidimensional process to improve welfare, in both material and spiritual aspects. However, In reality, OIC member countries have potentials and obstacles for growth. Strengthening the education sectors, infusion of Islamic values, support SMEs' development with ICT are some recommended policies. The main contribution of this study is to assess the current condition of Muslim Ummah represented by OIC member countries, by the development concept of Islam and deliver some policies for the betterment of the ummah.
Analisa Model Bisnis Bank Umum Syariah di Indonesia Angga Darmawan
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 1 (2020)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (470.232 KB) | DOI: 10.21927/jesi.2020.10(1).11-22

Abstract

This research purpose is to find an alternative business model that can be implemented by Islamic bank in Indonesia, hence the Islamic bank can optimally growth. This research conducts several stages of research. Indepth interviews were conducted to get an idea of the need for a new Islamic Bank business model. The results of the interview are used as the basis for designing the business model of the Islamic Bank using the Analytic Network Process (ANP) method framework and the questionnaire model to obtain the required data. Based on the interview results, there are 4 (four) alternative islamic banking business models, namely Islamic Commercial Bank, Islamic Commercial Bank with Backed Asset, Integration of Islamic Commercial Bank and Islamic Social Bank, and Waqf Bank. The results of this study indicate that the Wakaf Bank Business Model (25.42%) is the main priority of the respondents in the islamic commercial bank business model. 

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