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JESI (Jurnal Ekonomi Syariah Indonesia)

JESI
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Published by Universitas Alma Ata Yogyakarta

ISSN : 20893566 EISSN : 25031872 DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

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.

Arjuna Subject : -

Articles 200 Documents

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Komunikasi Pemasaran Syariah Dalam Minat Beli Konsumen Popon Srisusilawati; M. Andri Ibrahim; Randi Ganjar
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 1 (2019)
Publisher : Universitas Alma Ata

Komunikasi pemasaran adalah aktivitas pemasaran yang berusaha menciptakan kesadaran atau pengetahuan mengenai produk dengan berbagai atributnya, menginformasikan kelebihan produk, menciptakan citra produk, atau menciptakan sikap positif, preferensi, dan minat membeli produk bersangkutan. Elzata salah satu produk fashion dikota Bandung mengalami pengunjung yang berfluktuasi cenderung menurun tingkat pembeliannya. Keputusan pembelian merupakan elemen penting bagi perusahaan agar tetap bisa mempertahankan produknya. Dalam hal ini diharapkan komunikasi pemasaran dapat mempengaruhi minat beli konsumen. Minat beli konsumen yang tinggi akan mendorong konsumen membeli suatu produk. Rumusan masalah penelitian ini adalah Bagaimana pengaruh komunikasi pemasaran terhadap minat beli konsumen retail store elzatta kota bandung. Penelitian ini bertujuan untuk mengetahui besar pengaruh komunikasi pemasaran terhadap minat beli konsumen retail store elzatta kota bandung. Metode penelitian yang digunakan adalah deskriptif dengan jenis data kuantitatif. Sumber data yang digunakan data primer yaitu data yang di peroleh langsung dari karyawan Elzatta melalui quesioner dan wawancara. Berdasarkan hasil penelitian diperoleh bahwa komunikasi yang diterapkan Elzatta menggunakan media Tv, Brosur, Baligo, Kontes, Member card, potongan harga, acara amal, seminar, donasi, website, katalog, sosial media, wom, penjualan personal. Minat beli konsumen berminat terhadap produk Elzatta dengan skor akhir sebesar 1800 atau sebesar 72% yang berada dalam kategori setuju dan berpengaruh positif terhadap minat beli konsumen.

Peran Zakat Produktif dalam Pemberdayaan Ekonomi Mustahiq (Studi Kasus Lembaga Amil Zakat Dompet Dhuafa Republika Yogyakarta 2017) Richa Angkita Mulyawisdawati; Imas Rosi Nugrahani
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 1 (2019)
Publisher : Universitas Alma Ata

Indonesia with a majority Muslim population has a large zakat potential. Consumptive zakat distribution will only make mustahiq as recipients. Required distribution of zakat productively to empower mustahiq in order to improve its economy to become muzakki. Productive zakat management carried out by an agency or professional amil zakat institutions, such as the Amil Zakat Dompet Dhuafa Republika Yogyakarta that has been instrumental not only in the country but also abroad. This study aims to determine the role of zakat productive economic empowerment mustahiq in Amil Zakat Dompet Dhuafa Republika Yogyakarta 2017. This research is a descriptive qualitative study using the methods of observation, interview and documentation. Data were analyzed using three inductive data analysis process is the process of data reduction, data presentation and conclusion. The results of this study stated that the role of zakat productive economic empowerment mustahiq in Amil Zakat Dompet Dhuafa Republika Yogyakarta is through the provision of programs of economic empowerment that funds be taken from the fund of productive zakat, the program Kampung Ternak and Institute Mentas Unggul, as well as the provision of socialization, counseling, motivation and ongoing coaching for partners who are being empowered. The program had a positive impact for the economic empowerment mustahiq. Keywords:Zakat Productive, Economic Empowerment, Mustahiq

The Dialectic of Contemporary Thought of The Muhammadiyah Economic Movement Imamul Hakim
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 1 (2019)
Publisher : Universitas Alma Ata

Muhammadiyah is one of the largest religious organization in Indonesia that has stood more than a century and became an organization with the world's greatest asset, however up to now Muhammadiyah still does not have a definite format of economic movement. The dialectic of Muhammadiyah economic movement remains a fascinating debate. This study aims to examine the ideas of Muhammadiyah's economic format that have been outlined by Muhammadiyah figures, experts, and scholars in the form of writing to look for the intersection of thought into a single entity the main idea of Muhammadiyah Economic Format. This research using the method of the library research with the source data that is be retrieved from the secondary data that have been written by scholars, scientists, and experts of the Muhammadiyah economic movement have ever written about the format of Muhammadiyah economic movement. The results show that there are three groups of main ideas about the format of the Muhammadiyah economic movement, that is; Firstly, Incorporated Movement, is incorporated in the management merger business which it strengthened networking either in vertical or horizontally. Secondly, Community economic empowerment movement, This movement emphasizes full structural involvement in economic empowerment by providing information on market opportunities, capital, business training, financial management and making business innovations. Thirdly, the Comprehensive Economic Movement, namely; the Economic Movement that integrates Incorporated and Empowerment. Muhammadiyah's economic movement needs to be built in two directions by combining Incorporated and Empowering, through structuring and merging Muhammadiyah's business entities with economic empowerment of Muhammadiyah citizens.

Inovasi Financial Technology (Fintech) pada Asuransi Syariah (Studi kasus: PT Duta Danadyakasa Teknologi) Indri Nuranggraeni
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

This study aims to identify problems, solutions and strategies in decision making of fintech innovation insurance, with the approach method is Analytic Network Process (ANP). The data collections which are depth interview and questionnaire were collected from the respondent. The results showed that the priority issues faced in fintech innovation insurance are human aspect which consists of human resource lacks and regulatory challenges; product aspect which consists of product penetration and asset market penetration fractional shari’ah. Solutions which are needed in fintech innovation insurance are aspect human which consists of resource and regulation minimalism; product aspect which consists of product research and product innovation. Strategies in fintech innovation insurance are socialization, education, cooperation and digital marketing. Socialization gives the most influence on fintech innovation insurance to introduce fintech in facing digital era. Education needs to be held periodically as well as in the process of fintech to get the assistance of the Otoritas Jasa Keuangan (OJK) as a regulatory to comply with the government policy. It needs the cooperation among companies from being charged business model with the existence of promos for insurance participants or potential participants so that people recognize and be interested, invite to all society levels of the insurance importance in life to reduce any risk that might occur and to invite all people participating in fintech innovation.Keywords: Analytic Network Process, islamic insurance, fintech

Peranan Otoritas Jasa Keuangan (OJK) Sebagai Lembaga Muhtasib Dalam Industri Keuangan Syariah di Indonesia Abdul Salam; Syaiful Muhammad Irsyad
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

In Indonesia, one of the institutions that can be considered a Muhtasib institution in the sharia financial sector is the Financial Services Authority (OJK). As Law Number 21 of 2011, the OJK has the function of organizing an integrated system of regulation and supervision of all activities in the financial services sector which include financial service activities in the Banking sector; financial service activities in the Capital Market sector; and financial service activities in the Insurance, Pension Funds, Financing Institutions and Other Financial Services Institutions sectors, including the Islamic finance industry sector. This study will unravel the extent of the role of the FSA as the Muhtasib in the Islamic finance industry in Indonesia, especially in the regional areas of Central Java and D.I. Yogyakarta.This research did 2 (two) kinds of research, they are field of study and literature study. The collecting data of this research through observation and non-structured interview. The methode of data collection is conducting interviews with the Central Java OJK, OJK D.I. Yogyakarta.The conclusion of this study is that the role of the Financial Services Authority (OJK) in Regional Region 3 of Central Java and Yogyakarta as a Muhtasib institution in supervising the Islamic financial industry in Central Java and Yogyakarta is quite significant, although with some notes, including the position of OJK Regional 3 Central Java and DIY Yogyakarta which is only able to reach Islamic financial institutions (LKS) whose head office is located in Central Java and Yogyakarta, while LKS only has branch offices in Central Java and Yogyakarta Yogyakarta. Is the authority of the Regional OJK 3 of Central Java and DIYogyakarta, meaning that it is the domain of the authority of the Central OJK in Jakarta. The problem is if there is a violation or an act that is against the law, then the Regional OJK 3 of Central Java and D.I. Yogyakarta is only reporting or coordinating with the Central OJK. The Financial Services Authority (OJK) in Region 3 of Central Java and Yogyakarta Yogyakarta has carried out its function as an actress in the context of violations of law or criminal acts, in which the OJK has played a function as an investigator and then reported to law enforcement officials (APH ) and submitted to the judicial process. However, related to the implementation of the Microfinance Institution Law, OJK has not been able to carry out its function as a constitutional acter in enforcing Article 39 of the LKM Law regarding the existence of BMTs in the community which should abide and comply with licensing regulations under the OJKKeywords: Financial Services Authority, Muhtasib Institution, Sharia Financial Industry

Persepsi Dan Minat Masyarkat Terhadap Asuransi Syariah Di Kabupaten Tangerang Sabik Khumaini; Muh Turizal Husein
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

AbstractIslamic insurance is an effort to protect each other and help among a number of people through investments in the form of assets or tabarru 'which provide a pattern of taking to face certain risks or dangers through a contract that is in accordance with sharia. This study aims to determine and analyze people's perceptions and interests in Islamic insurance in Tangerang Region.The sampling technique uses purposive sampling method. The data used are primary data obtained based on respondents' answers to the questionnaire given. This study uses multiple linear regression analysis methods with the classic assumption test, descriptive analysis, t test (partial), F test (simultaneously), and coefficient test.The results showed that partially the perception and interest variables of the community had a significant positive effect on islamic insurance. Furthermore, simultaneously the perception variable, and community interest have a significant positive effect on islamic insurance in Tangerang Region with a level of significance of less than 5%.Keywords: insurance, Islamic, perception, interestAbstrakAsuransi syariah adalah usaha untuk saling melindungi dan tolong menolong diantara sejumlah orang yang melalui investasi dalam bentuk aset atau tabarru’ yang memberikan pola pengambilan untuk menghadapi risiko atau bahaya tertentu melalui akad yang sesuai dengan syariah. Penelitian ini bertujuan untuk mengetahui dan menganalisis persepsi dan minat masyarakat terhadap asuransi syariah di Kabupaten Tangerang.Teknik pengambilan sampel menggunakan metode purposive sampling. Data yang digunakan adalah data primer yang diperoleh berdasarkan jawaban responden terhadap kuesioner yang diberikan. Penelitian ini menggunakan metode analisis regresi linier berganda dengan uji asumsi klasik, analisis deskriptif, uji t (secara parsial), uji F (secara simultan), dan uji koefisien. Hasil penelitian menunjukkan bahwa secara parsial variabel persepsi dan minat masyarakat berpengaruh positif signifikan terhadap asuransi syariah. Selanjutnya, secara simultan variabel persepsi, dan minat masyarakat berpengaruh positif signifikan terhadap asuransi syariah di Kabupaten Tangerang dengan level of significance kurang dari 5%.Kata kunci: Asuransi, Syariah, Persepsi, Minat

Optimalisasi Asset Wakaf Melalui Sukuk Wakaf di Indonesia Dunyati Ilmiah
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Banyaknya tanah wakaf yang tidak diberdayakan secara produktif diakibatkan oleh ketiadaan dana untuk memberdayakan atau mengelola tanah wakaf tersebut. Pembiayaan menjadi faktor penting dalam pemberdayaan tanah wakaf agar menjadi wakaf yang produktif. Sukuk berbasis wakaf merupakan inovasi dalam memberdayakan asset wakaf untuk di produktifkan. Sukuk punya potensi yang cukup tinggi sebagai instrumen untuk memobilisasi dana keuangan syariah, karena merupakan salah satu instrument pembiayaan jangka panjang dan menjadi alternatif memperoleh dana investasi proyek. Sementara dana wakaf mempunyai kapasitas untuk mendapatkan income sebagai aktivitas sosial keuangan syariah dalam bentuk produk sukuk. Integrasi antara sukuk dan wakaf adalah inovasi yang menarik dalam keuangan islam. Sukuk berpotensi sebagai instrument untuk memobilisasi dana, sementara wakaf memiliki kapasitas untuk mendapatkan income dana aktifitas keuangan yang produktif. Karena itu, kolaborasi antara sukuk dan wakaf dapat menjadi inovasi dalam menyediakan pembiayaan berbiaya rendah untuk menjalankan keberlanjutan ekonomi.Metodelogi yang digunakan pada penelitian ini adalah metode eksploratif yang dilaksanakan melalui pendekatan studi literatur tentang sukuk, wakaf, serta menggali kajian-kajian dari penelitian sebelumnya tentang bagaimana mengoptimalisasikan wakaf melalui sukuk. Tehnik pengumpulan data menggunakan studi kepustakaan yang memiliki relevansi dengan permasalahan yang akan dibahas. Pada penelitian optimalisasi asset wakaf ini, pengolahan data hanya ditujukan pada analisis data secara deskriptif kualitatif, di mana materi atau bahan bahan terkait wakaf dan sukuk selanjutnya akan dipelajari sekaligus dianalisis, sehingga dapat diketahui kesesuaian, pemanfaatan dan gagasan-gagasan baru. Hasil dari penelitian ini adalah Optimalisasi asset wakaf dengan menerbitkan sukuk wakaf sekurang-kurangnya ada empat pihak yang terlibat yaitu Badan Wakaf Indonesia (BWI) selaku nadzir, Developer, Special Porpose Vehicle (SPV) selaku penerbit sukuk, Investor. Sukuk dan wakaf adalah dua instrument yang berbeda namun dikolaborasikan menjadi satu melalui sukuk wakaf dengan tujuan untuk memperoleh nilai maslahat yang lebih besar. Sukuk yang dibangun atas akad ijaroh yang memiliki sifat bisnis, sementara wakaf yang dibangun atas akad yang bersifat sosial, tidak adanya imbal hasil.

Upaya Penyelesaian Kredit Macet Pembiayaan Murabahah Dengan Metode Resheduling di Bank Syariah Mandiri Kantor Cabang Pasar 45 Manado Radlyah Hasan Jan; Yaumal Malik Yusuf; Faradila Hasan
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

Penelitian ini bertujuan untuk mengetahui bagaimana proses penyelesaian kredit macet dalam pembiayaan murabahah dengan menggunakan metode reschedule pada Bank Syariah Mandiri Cabang Pasar 45 Manado. Metodologi penelitian yaitu pendekatan kualitatif. Hasilnya adalah Nasabah mengajukan permohonan untuk reschedule berdasarkan penawaran yang dilakukan oleh pihak Micro Financing Analist (MFA); Kemudian pihak bank menilai faktor-faktor yang menyebabkan nasabah tidak dapat memenuhi kewajibannya, dan menilai keseluruhan kondisi nasabah dari segi riwayat pembayaran, keinginan bayar, dan iktikad baik nasbah untuk membayar sehingga pelaksanaan reschedule; pihak bank membuat table simulasi angsuran dari sisa pokok dan margin yang akan dilunasi oleh nasabah dengan jangka waktu maksimal reschedule atau restruk 60 bulan. Jadi penanganan kredit bermasalah di Bank Syariah Mandiri Cabang Pasar 45 Manado pada umumnya menggunakan kebijakan penjadwalan kembali (reschedule) angsuran dengan melihat kondisi nasabah dalam hal kemampuan bayar, keinginan bayar, prospek usaha dan iktikad baik nasabah.

MetodologiI Pemikiran K.H. SahalMahfudh Tentang Penetapan Zakat Uang Kertas Baiq Baiq Ismiati
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

AbstrakSecara umum selain bernilai ibadah zakat memiliki dua dimensi yaitu habluminallah dan habluminanas. Seiring perkembangan zaman khususnya dibidang ekonomi, mengakibatkan munculnya permasalahan yang harus ditangani seperti zakat uang kertas, yang baru muncul era abad 21 yang belum dikenal pada zaman Rasullullah saw. Sahal Mahfudh sebagai ulama-intelektual Muslim produktif memiliki pemikiran objektif terhadap setiap permasalahan yang muncul dalam masyarakat. Penelitian ini merupakan penelitian kepustakaan (library research) menggunakan pendekatan historis filosofis. Hasil penelitian menunjukan bahwa Sahal Mahfudh berpendapat bahwa uang termasuk kepada objek zakat. Walaupun uang pada masa dewasa ini terdapat beberapa perbedaan fungsi dan system, akan tetapi uang kertas mempunyai peran yang sama dengan dinaryaitu sebagai pengganti harga dan alat tukar. Berdasarkan tersebut, Sahal Mahfudh mewajibkan untuk mengeluarkan zakat uang kertas ketika uang mencapai nishab (batas minimal wajib zakat) adalah 77,57 gram, adapun perak 543,35 gram di memilikisatu tahun, pengemasan itu dilakukan melalui hadits dengan metodologi ra’yu (pendapat) dan qiyas (analogi).Kata kunci: Metodologi, K.H. Sahal Mahfudh, dan Zakat Uang Kertas AbstractIn general, besides zakat worship, it has two dimensions, habluminallah and habluminanas. Related to the development of special times in the economic field, resolved debates that must be resolved such as zakat banknotes, which only emerged in the era of the 21st century that is not yet known in the time of Rasullullah. Sahal Mahfudh as productive Muslim intellectuals has objective thoughts on every problem that arises in society. This research is a library research using a philosophical historical approach. The results showed that Sahal Mahfudh argues that money belongs to the object of zakat. Even though money today has several different functions and systems, paper money has the same role as that in place of prices and a medium of exchange. Based on that, Sahal Mahfudh obliged to issue zakah on banknotes when the money reached nishab (the minimum limit of obligatory zakat) was 77.57 grams, while silver was 543.35 grams in having one year, the packaging was carried out through the hadith with the ra'yu methodology (opinion) and qiyas (analogy).Keywords: Methodology, K.H. Sahal Mahfudh, and Zakat Banknotes

The Disclosure of Sharia Non-Compliance Income: Comparative Study between Full-fledged and Subsidiaries Malaysian Islamic Banks Atharyanshah Puneri; Moustapha Chora; Nazarov Ilhamiddin; Hafiz Benraheem
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 9, No 2 (2019)
Publisher : Universitas Alma Ata

The purpose of this paper is to analyze to what extend Islamic banks in Malaysia practice disclosure regarding Sharia non-compliant income. Furthermore, this paper also investigates how bank distribute the Sharia non-compliant income. This paper acquires qualitative approach. The qualitative approach is adopted by doinga document analysisabout the literatures from previous studies that the Sharia non-compliant income.Based on the data collected, Bank Islam clearly and properly discloses its Sharia non-compliance income and we recommend any other Islamic banks to follow it. Also, the study find out that does not matter whether they are full-fledge or subsidiaries, the practice is quite the same.

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