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Journal of Economicate Studies

joes
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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.

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Articles 5 Documents

Search results for , issue "Vol. 1 No. 1 (2017): Journal of Economicate Studies" : 5 Documents clear

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.

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