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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. 2 (2017): Journal of Economicate Studies" : 5 Documents clear

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%.

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