Garuda - Garba Rujukan Digital

Article Per Year (5 Year)

All

Journal of Economicate Studies

joes
Website

Published by Islamicate Institute

ISSN : - EISSN : 25984799 DOI : -

Core Subject : Economy, Education,

Economics, Econometrics & Finance Education Other

Journal of Economicate Studies (JoES) is a publication dedicated to and focused on the scholarly study of all aspects of Economicate studies. This journal receives articles from lecturers and researchers who have the new and progressive issues on scholarly study of all aspects of Economicate related, but not limited to, microeconomics, macroeconomics, managerial economics, monetary economics, fiscal policy, public sector economics, development economics, economics of education, economics of health, labor economics, economics of philanthropy, and religion based economics, as well as ethical questions related to the economics available in the societies all around the world.

Arjuna Subject : -

Articles 94 Documents

1 2 3 4 5

PRODUCT INNOVATION OF SHARIA FINANCIAL INSTITUTION: THEORY REVIEW Mulyadi, Dedi; Athoillah, Mohamad Anton
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

Competitions in the financial industry are so tight that sharia banks can no longer simply rely on standard products to attract the public. The development of sharia banking products and services should not merely 'imitate' from conventional banking products. However, the development of this innovation product does not mean eliminating the principles of syariah let alone just be used as legal and administrative hilah to gain profit alone, on the grounds that Islamic banks are positioned as a financial intermediary institution based on business not a social institution. Based on these problems, the authors get some solution that is, development of innovation (product) is permitted when there is a stronger proposition and clarity of meaning contained therein, conformity with the purpose of sharia (maqashid al-syariah), and relevance to the development of the times and needs Human beings will transactions and modern contracts.

MURABAHAH LI AL-AMIR BI AL-SYIRA` AND ITS IMPLEMENTATION IN CONCEPT OF FINANCING AT SHARIA FINANCIAL INSTITUTIONS IN INDONESIA Abdillah, Hary Hoiruman
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

In the classical Islamic jurisprudence, murabaha is one type of trading contract that is very simple, and the sale of murabahah is included in the type of sale and purchase of the equation because it requires the seller to be honest about the original price of the goods he is selling. In its current development, financing products at Sharia Financial Institutions in Indonesia are dominated by murabaha financing, this is because murabahah financing is considered safer and contains very little risk of loss. However, in practice murabahah financing at Sharia Financial Institutions is now experiencing innovation and modification compared with the basic concept that many contained in the literature of classical Jurisprudence, so that the term murabaha li al-aamir bi al-syira` which became the reference of contemporary murabaha financing. Although there are some differences but many contemporary scholars are allowing this contract, because in innovation and modification does not change the basic things. But not a few modification models that cause debate because it is done solely to meet the formal requirements of juridical for the consideration of the effectiveness and efficiency of banking administration. The following article will cover the various models and backgrounds and motives for shifting murabaha schemes in classical jurisprudence when practiced in sharia banking, in addition to explaining the use of murabahah schemes for various models of financing in sharia banking

IMPLEMENTATION OF HYBRID CONTRACTS CONCEPT OF SHARIA PAWN IN SHARIA BANKING Suhendar, Heris
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

The existence of people's need for financing is fast, easy, safe and certainly in accordance with the principles of sharia, triggering sharia banking to innovate. One form of innovation issued by sharia banks to support the needs of the community is the product of pawn gold sharia. On the other hand, concerns arise about the product of rahn (sharia pawn), because the rahn product (gold pawn) is not a productive asset in the profit. Considerations arise when the profits are derived from the percentage of the loan amounts given by the bank to customers, as is the practice in conventional banking. Based on the problems that will be examined by the author above, then the method used in the research is normative legal research method. The results of the research are: 1) gold pawning products performed by sharia banks using three contracts, namely contracts qardh, rahn, and ijarah; 2) the amount or amount of the place rental charge shall not be calculated from the percentage of the loan or the loan granted by the bank to the customer, but the amount of the fee is taken from the expenses that are clearly required; And 3) when payment is due, then the customer could not repay the debt, it shall be returned to the agreement which has been made and agreed by the parties.

IMPLEMENTATION OF THE CONCEPT OF AL-'UQÃ›D AL-MURAKKABAH ON SHARIA FINANCIAL INSTITUTIONS Setiadi, Atep
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

This paper is intended to analyze philosophically about the existence of al-'UqÃ»d al-Murakkabah. This paper focuses its assessment on the opinions of scholars of hadith and fiqh (muamalah), as well as its application in Sharia Financial Institutions. This assessment is important because transactions in the form of a single contract are incapable of responding to the development of contemporary financial transactions that are always in motion and are influenced by the financial industry both nationally, regionally and internationally. Using qualitative methods and literature studies in this study it can be concluded that, first, fiqh muamalah contemporary in hadith traditions related to hybrid contract model there is a ban of two contracts in one transaction (bai'ataini fi bai'atin), ban two agreements in one The agreement (shafqa taini fi shafqatin) and the prohibition of the sale and purchase agreements and the ordering of goods (bay 'and salaf); second, the use of hybrid contracts at the Sharia Financial Institution is directed to the manufacture of al' Uqud al-MutaqÃ¢bilah (Dependent or Conditional Contract).

HYBRID CONTRACT ACCORDING TO SHARIA ECONOMIC LAW Jamaludin, Ijang
Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

Sharia law is charged with guiding how to conduct economic activities in order to be safe and happy to the afterlife. Sharia economic activities especially in sharia financial institutions are increasingly varied following the global economic development, the innovation of Sharia Financial Institution products become a necessity. Single agreement as the core of a transaction is not able to accommodate the increasingly complex needs of transactions, the presence of hybrid contact as a transformation of the contract leads to the development of LKS on the one hand and generate a spicy criticism related to its validity on the other side. This paper through literature approach trying to analyze hybrid contact in terms of ijtihad methodology related to the theory used madhab Hanafi in view the legal consequences. The result that the Hybrid contract is al-mukharij min al-mazaiq / hilah as a way out as well as the benefit to avoid the practice of usury, and resulted in legal consequences as a contract.

SYARI'AH COMPLIANCE FOR DEVELOPING INNOVATION OF SHARIA BANKING PRODUCTS IN INDONESIA Sugandi, Dasep
Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

This paper discusses the application of Sharia compliance to industry and Islamic finance business. Sharia compliance is a possible means of preventing risk and fraud in the real sector. This also applies to the innovation of Islamic financial products. Shariah rules are expected to be a guide in the operationalization of Islamic banking in Indonesia. With literature study, this paper found that Shariah compliance serves as an ex-ante (preventive) action and measure, to ensure policies, rules, systems and procedures, and business activities undertaken by Islamic banks. Innovation of Islamic banking products refers to sharia standards and shariah governance sourced from Qur'an and Hadith, guided by international standards, fulfillment of integrity and quality of Islamic banking human resources, suitability of contracts, and not dozens of people as consumers.

SAVINGS INVESTMENTS IN SHARIA BANKS IN THE PERSPECTIVE OF SHARIAH ECONOMIC LAW (CASE STUDY AT â€œBANK SYARIAH BUKOPINâ€) Samsudin, Agus Rojak; Athoillah, Mohamad Anton
Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

There are three motives a person to save funds through savings in the Conventional Bank: security, plans and investment. Implementation of interest system in Conventional banks is a very fundamental constraint for a Muslim to invest his funds in the bank. Because in the view of the scholars of the flower system is identical with the usury (riba) that is forbidden in Islam. It turns out long before the birth of money storage system in conventional bank interest, in classical fiqh literature known the concept and theory of al wadiah and mudharabah which is substantially no differences from the savings and investment savings offered by conventional banks. This paper discusses the theory, concepts and implementation of al wadiah as non-interest investment savings applied in sharia bank in the perspective of shariah economic law, by looking at case examples of the saving products of Bank Syariah Bukopin (BSB). It was found that all investment contracts in savings products offered by BSB were in accordance with the principles of shariah; as outlined in the Qur'an and Sunnah as the basis of Shariah, as well as Law Number 21 Year 2008 and Law no. 10 year 1998, Bank Indonesia Regulation (Peraturan Bank Indonesia [PBI]), Compilation of Islamic Economic Law (Kompilasi Hukum Ekonomi Syariah [KHES]) and Fatwa of National Sharia Board (Dewan Syariah Indonesia [DSN]) Indonesian Council of Ulama (Majelis Ulama Indonesia [MUI])

THE INFLUENCE OF DISCOUNTS, PRODUCT COMPLETENESS, AND LOCATION AGAINST CONSUMER PURCHASE DECISION (VIA GOOGLE FROM): STUDY AT BOOK SALES CENTER KOMPLEK TAMAN PINTAR YOGYAKARTA Akbar, Aly
Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

This article discusses consumer purchase decisions that can be affected by discounts, product completeness, and location. Respondents in this study as many as 100 people. Data were collected using questionnaires in the form of questionnaires. Data analysis technique used is multiple linear regression analysis. The results of this study indicate that the discount variables (X1), product completeness (X2), and location (X3) have a simultaneous positive influence on consumer purchase decision (Y). Based on the results of the data analysis obtained R square value is 0,544, this means 54.4% consumer purchases affected by discount variables, product completeness, and location magnitude influence "Strong enough, while the rest of 45.6% influenced by factors or other variables which is not researched. The results of this study also indicate that the discounted variable (X1), product completeness (X2), and location (X3) have a partially positive effect on consumer purchase decision (Y). Based on the results of the analysis of the data obtained correlation value X1 to Y of 0.526 or 52.6%, it means X1 positively affect the Y with the magnitude of influence "Strong Enough", the correlation X2 to Y of 0.635 or 63.5%, meaning X2 positively to Y with the magnitude of the influence of "Strong", and the correlation value of X3 to Y of 0.417 or 41.7%, meaning X3 positively affect the Y with the magnitude of influence "Strong Enough". So, from the correlation analysis can be known variables that have the most influence on purchasing decisions is variable completeness of the product.

DETERMINATION OF PRICE AND CUSTOMER SATISFACTION Haq, Irfan Nurul
Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

Price policy or a value can affect the human mindset, considering its activities by using logic including in considering its needs as a customer of a product. a person or customer will choose which product performance is more effective, efficient and suitable to his needs and according to the value of a price or cost, if the performance is effective, efficient and match with expectations, means customers will feel satisfied and will make the calculation of expenditures for the procurement of products the. Price has a positive and significant impact on customer satisfaction. The main considerations that affect customers are willing to use services include customer satisfaction, service quality, service orientation and pricing in determining the type of service used. The high price is a factor causing customer dissatisfaction so customers are reluctant to use the services provided by the company. The price of a good or service is very influential on customer satisfaction. Consumers use the price as a consideration in determining the purchase of a product, when should the purchase be made and how much the need for products purchased in accordance with the ability of consumer purchasing power. A product must be precise in the determination and determination of the selling price so that it can be accepted by consumers by not neglecting the quality of the product. Under normal circumstances, demand and prices have a negative or reversed relationship. That is, the higher the price is set the smaller the demand.

THE REVIEW OF OPENING PROCEDURES OF SHARIA BASED SAVING IN SHARIA FINANCIAL SERVICES COOPERATION BMT MITRA SADAYA BRANCH OF PURWAKARTA Jalaludin, Jalaludin
Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies
Publisher : Islamicate Institute

This article describes the variation of syariah savings in the institution of the temple al-Maal wa al-Tamwil (BMT) Mitra sadaya. The approach used in this study is a qualitative approach and the type of data used in this study is descriptive. The object of this research is the analysis of the opening procedure of sharia savings at the institution of bait al-Maal wa al-Tamwil (BMT) Mitra Sadaya Purwakarta branch. The subject of the research is the source of data asked for the information according to the research problem. This study aims to determine the form of procedures, implementation procedures, the benefits of procedures and factors in running procedures in the opening of syariah savings. The results of this study are: Variations of Islamic savings at the institution of the temple al-Maal wa al-Tamwil (BMT) Mitra sadaya there are three contracts used: (1) principle akad wadi'ah, (2) Mudharabah contract principle, (3) Qard. Then for the opening procedure of syariah savings as follows: (1) Prospective customers / members come to the office or hold an appointment with marketing bait al-Maal wa al-Tamwil (BMT); (2) The prospective customer / member meets with the Customer Service section bait al-Maal wa al-Tamwil (BMT) Mitra sadaya; (3) Prospective customers / members fill out the application form of syariah account opening or savings account; (4) Prospective client / member shall sign the approval for opening of syariah saving account; (5) Entered and checked by the teller section; (6) Print sharia savings book in accordance with customer / member application; (7) The signing of officials related to the institution of al-Maal wa al-Tamwil (BMT) Mitra sadaya; (8) Calculate and give the first deposit money to the teller; (9) Input of initial deposit and deposit of deposit; (10) Re-check the nominal deposit with the amount of balance and stamp teller; (11) Account opening is completed and customers / members are welcome to go home. Shariah-compliant profit sharing of bait al-Maal wa al-Tamwil (BMT) Partners sadaya partner, if the form of ordinary sharia savings (other than deposits) gifts or profits are given equivalent to 35% of office income. However, if included in the category of gift deposits granted equivalent to 9% -13% per year. As well as deposits that fall into the category of capital of the institution of bait al-Maal wa al-Tamwil (BMT). Sadaya Partners that last from 4-5 years, the profits are equal to 30% -110%.

Page 1 of 10 | Total Record : 94

1 2 3 4 5

Filter by Year

2017 2025

Filter By Issues

All Issue Vol. 9 No. 2 (2025): Journal of Economicate Studies Vol. 9 No. 1 (2025): Journal of Economicate Studies Vol. 8 No. 2 (2024): Journal of Economicate Studies Vol. 8 No. 1 (2024): Journal of Economicate Studies Vol. 7 No. 2 (2023): Journal of Economicate Studies Vol. 7 No. 1 (2023): Journal of Economicate Studies Vol. 6 No. 2 (2022): Journal of Economicate Studies Vol. 6 No. 1 (2022): Journal of Economicate Studies Vol. 5 No. 2 (2021): Journal of Economicate Studies Vol. 5 No. 1 (2021): Journal of Economicate Studies Vol. 4 No. 2 (2020): Journal of Economicate Studies Vol. 4 No. 1 (2020): Journal of Economicate Studies Vol. 3 No. 2 (2019): Journal of Economicate Studies Vol. 3 No. 1 (2019): Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies Vol. 2 No. 1 (2018): Journal of Economicate Studies Vol. 1 No. 2 (2017): Journal of Economicate Studies Vol. 1 No. 1 (2017): Journal of Economicate Studies More Issue

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name
-

Contact Email
-

Phone
-

Journal Mail Official
-

Editorial Address
-

Location
Kota bandung,

Jawa barat

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name -

Contact Email -

Phone -

Journal Mail Official -

Editorial Address -

Location Kota bandung, Jawa barat INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
-

Contact Email
-

Phone
-

Journal Mail Official
-

Editorial Address
-

Location
Kota bandung,

Jawa barat

INDONESIA