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Journal of Economicate Studies
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 5 Documents
 1 
Search results for , issue "Vol. 2 No. 1 (2018): Journal of Economicate Studies" : 5 Documents clear
THE IMPLEMENTATION OF ISO 9001: 2015 QUALITY MANAGEMENT SYSTEM AT PT TARUMATEX BANDUNG Hernawan, Yosep; Kesuma Dewi, Sri Wijaya; Musafa, Musafa
Journal of Economicate Studies Vol. 2 No. 1 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i1.487

Abstract

The application of ISO 9001: 2015 becomes an important issue in line with increasingly competitive competition in the industrial world. The company strives to maintain its position and increase consumer confidence. ISO 9001: 2015 can be used as a tool to measure the company's credibility globally and improve the quality of company management and meet the demand for products and services according to the wishes of consumers. The research aims to find out how far the application of ISO 9001: 2015 as a Quality Management System is applied in a company, what benefits will a company achieve when implementing an ISO 9001: 2015 Quality Management System, identify problems and solutions and what steps companies must take in order to implement the Management System ISO 9001: 2015 quality can run well. The approach used is a qualitative descriptive method. The results obtained in the form of a recapitulation of the implementation of ISO 9001: 2015 in the company in the form of constraints and obstacles, evaluation and benefits obtained after implementing the ISO 9001: 2015 Quality Management System such as the division of authority and responsibilities of each division that is clearer, communication and response faster towards customers, continuous improvement and so on.
Application of Ta‘zīr Sanctions and Ta‘wīḍ Compensation in Mushārakah Mutanāqiṣah Contracts in Sharia Banking Fauzin, Aris
Journal of Economicate Studies Vol. 2 No. 1 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i1.873

Abstract

Mushārakah Mutanāqiṣah (MMQ) is one of the innovative financing schemes implemented by Sharia banking institutions, allowing joint asset ownership between banks and customers with gradual transfer of ownership. A frequent issue in MMQ transactions is the customer’s failure to fulfill payment obligations. In response, Sharia banks refer to Fatwa DSN-MUI No. 43/DSN-MUI/VIII/2004 on compensation (ta‘wīḍ) and Fatwa No. 17/DSN-MUI/IX/2000 on disciplinary sanctions (ta‘zīr). This study explores the legitimacy and application of these fatwas in the context of MMQ contracts, using a descriptive-qualitative approach through literature and documentation analysis. The findings indicate that imposition of sanctions must be aligned with the nature of the breached contract within MMQ—whether it is mushārakah, bai‘, or ijārah—to avoid unjust enforcement. The study concludes that while the fatwas provide legal grounds, a contextual contract-based analysis is crucial in applying punitive measures fairly.
The Influence of Attitude, Subjective Norms, and Behavioral Control on the Intention to Choose Islamic Banks with Islamic Religiosity as a Moderating Variable (Case Study on BRI Syariah Customers in Purwokerto) Najakh, Akhmad Khoyrun; Astogini, Dwiwiyati; Martini, Sri
Journal of Economicate Studies Vol. 2 No. 1 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the influence of attitudes on the intention to choose Islamic banks, the effect of subjective norms on the intention to choose Islamic banks, the effect of behavioral control on the intention to choose Islamic banks, and the moderating role of religiosity in the relationship between attitudes, subjective norms, behavioral control, and the intention to choose Islamic banks. The method used was a survey with purposive sampling of 100 respondents. The data analysis tool used was multiple regression analysis with SPSS 16.0 software. The results of this study conclude that attitudes do not influence the intention to choose Bank BRISyariah. Subjective norms have a positive effect on the intention to choose Bank BRISyariah. Behavioral control does not influence the intention to choose Bank BRISyariah. The relationship between attitudes, subjective norms, and behavioral control with the intention to choose Bank BRISyariah is not moderated by religiosity. Based on these conclusions, Bank BRISyariah is advised to improve understanding related to subjective norms to increase the number of customers using Islamic banking services. Further research is recommended to develop this study by exploring both independent and dependent variables before and after behavioral intention or specific action intentions.
Analysis of Cash Buying and Murābaḥah Financing (Case Study on Green Mutiara Housing Tambaksogra PT Graha Perwira Pratama, Kembaran Sub-District, Banyumas Regency) Wahyuni, Sinta
Journal of Economicate Studies Vol. 2 No. 1 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study explores the comparative implementation of cash and Murabahah financing methods in home purchases at Green Mutiara Housing, PT Graha Perwira Pratama, Banyumas Regency. Access to housing remains a challenge for low- to middle-income communities, prompting the need to evaluate payment alternatives that align with consumer needs and Islamic financial principles. A field research approach was adopted using qualitative descriptive-comparative methods. Data collection was conducted through interviews, observation, and documentation at the housing location. The focus was on the application procedures for both cash and credit purchase systems, particularly the Murabahah financing method used through Islamic banks. The findings show that cash purchases—both hard and installment-based—offer lower prices, quicker processing, and fewer administrative requirements. Credit purchases via Murabahah involve banks paying developers upfront, followed by consumer repayments under agreed profit margins. Buyers benefit from accessible financing without needing full payment upfront, although total costs are generally higher due to margin and longer payment periods. While both payment systems are functional and widely accepted, each has distinct financial and administrative implications. Cash payment offers simplicity and immediate ownership, while credit financing provides broader accessibility. The choice ultimately depends on buyer capacity and preference, with Murabahah offering an Islamic-compliant financing alternative.
Application of Wakālah bi al-Ujrah Contract in Letter of Credit (L/C) Services in Islamic Banking Liswardi
Journal of Economicate Studies Vol. 2 No. 1 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i1.880

Abstract

The rapid expansion of Islamic banking has led to the development of various financial instruments that extend beyond traditional fund mobilization. Among these is wakālah bi al-ujrah, a fee-based agency contract whereby a bank is appointed to perform specific services on behalf of a client for a predetermined fee. A prominent application is in the issuance and administration of Letters of Credit (L/C), which enable sharia-compliant international trade. This study investigates the theoretical underpinnings, legal foundation, and practical application of wak?lah bi al-ujrah within L/C services in Islamic banking. Utilizing a qualitative-descriptive method, the research draws on classical Islamic legal texts, national fatwas, and actual banking practices to evaluate the legitimacy and operational framework of the contract. The findings indicate that wak?lah bi al-ujrah is consistent with classical jurisprudence and fulfills the regulatory and ethical standards necessary for modern Islamic financial services.

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