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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. 2 (2018): Journal of Economicate Studies" : 5 Documents clear
THE SHARIA BANK SYNDICATION FINANCING IN THE ECONOMIC LAW PERSPECTIVE Sholihin, Riadhus
Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i2.467

Abstract

The development is carried out by the state aimed at public welfare, especially with the presence of large-scale projects that require large funds as well. But this is constrained by capital. Islamic banking can take the opportunity by financing. However, Islamic banking is limited in providing capital to debtors and there are also rules regarding the maximum limit of financing. To answer these problems, syndicated banking cooperation with other financial institutions is needed in fulfilling financing capital needs. However, arrangements regarding syndication of Islamic banks are inadequate with the needs of Islamic banking in conducting sharia syndicated financing. This paper examines the legal aspects of Islamic economics in syndicated bank financing
THE EFFECT OF INFLATION, BANK INDONESIA RATE, NON PERFORMING FINANCING, AND COSTS OF OPERATING EXPENSES TO OPERATING REVENUES ON PROFITABILITY OF SHARIA COMMERCIAL BANKS IN INDONESIA Syah, Toufan Aldian; Kharismasyah, Alfato Yusnar
Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i2.469

Abstract

The Banking Industry has a very important role in economic development in a country. Indonesia, which is the largest Muslim country in the world, certainly has excellent prospects for the development of the Sharia Banking Industry in the future. Therefore, the development of Sharia banks has slowed in recent years and the profitability of Sharia banks is also still below the ideal value. This study aims to determine the internal factors and external factors that influence the profitability of Sharia Commercial Banks from January 2012 to August 2017. The variables used in this study are ROA, Inflation, NPF, and OEOR. The data used is the aggregate data of all Sharia Commercial Banks registered at Bank Indonesia. Measurement of Statistical Descriptions, F-test, t-test, Correlation Coefficient, Determination Coefficient and Multiple Linear Regression using IBM SPSS 21 software. The results showed that there were significant negative effects of the variable BI rate, NPF, and OEOR while the Inflation variable showed a negative but insignificant effect. Overall the above variables affect ROA by 87.7% while 12.3% is likely to be influenced by other factors.
THE OPTIMIZATION OF THE ROLE OF ZAKAT IN THE ALLEVIATING POVERTY IN INDONESIA Haniefah, Farisha Rizky; Faozan, Akhmad
Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i2.470

Abstract

This study aims to determine the extent of the role of zakat in alleviating identified as mustahiq inentrepreneurship. Zakat intended for mustahiq can be used as business capital where businessesdeveloped by mustahiq are generally still small-scale, which is not accessed by bank financialinstitutions. The mentoring process includes planning, implementing, supervising and controlling andevaluating the program, becoming one of the amil zakat programs in managing productive zakat so thatit is expected to create economic circulation, increase the productivity of community businesses,increase income / economic results, and be sustainable. The methodology used in this study is adescriptive qualitative method to see the effect of productive zakat on the empowerment of the poorthrough the poverty index. This study consisted of primary data and secondary data. Primary dataobtained from the survey results or the results of questionnaires and conducted in-depth interviews withproductive Zakat program managers in Baznas and mustahiq as participants of the communityempowerment program through productive zakat. While secondary data is obtained from the BAZNASProgram Report on the internet, several kinds of literature, articles both magazines, journals,newspapers and the internet. The results of the study show that overall mustahik considers that theproductive zakat program by Baznas has run very well.
THE APPLICATION OF THE HYBRID CONTRACTS CONCEPT TO MULTIPURPOSE FINANCING Burhanudin, Muhammad
Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i2.471

Abstract

The term hybrid contracts (al-ququd al-murakkabah / multiakad) are already familiar to practitioners and academics of sharia economic law. This indicates the rapid innovation in sharia economic law, especially in sharia financial institutions. Each product issued by Islamic financial institutions certainly uses more than one contract, including multipurpose financing products. Then what about the hadith narrated by Imam Ahmad who stated "... has prohibited two agreements (contract) in one agreement (contract) ...". Is multipurpose financing including prohibited or not? To answer this question, the author tries to examine more comprehensively about the application of the concept of hybrid contracts to Multipurpose Financing. The results of the author's analysis suggest the following: first, that in its implementation, multipurpose financing applied in Islamic banking uses a hybrid contracts (al-‘uqud al-murakkabah / multiakad). The contracts applied to this multipurpose financing are murabahah contracts, ijarah contracts, and kafalah contracts; second, the application of hybrid contracts in multipurpose financing turns out as long as it does not conflict with the rules in Law Number 21 of 2008 concerning Islamic Banking and does not conflict with the MUI DSN Fatwa on Murabahah, Ijarah and Kafalah, and does not conflict with the Compilation of Islamic Economic Law (KHES), therefore, the application of these hybrid contracts is permissible. and third, as for the object of multipurpose financing in the form of halal goods and / or services (allowed by sharia), including financing to meet customer needs for halal goods / objects, in addition to land and residential buildings, flats (apartments, shop houses, home office) cars and gold. The financing objects that are allowed include: two-wheeled motorcycles, building materials, electronic goods, household furniture. These objects are not necessarily the same as those applied to other banks.
THE IMPLEMENTATION OF IJARAH MUNTAHIYA BITTAMLIK AND MUDHARABAH PRODUCTS IN THE SHARIA ECONOMIC LAW PERSPECTIVE Mu’minah, Mimin
Journal of Economicate Studies Vol. 2 No. 2 (2018): Journal of Economicate Studies
Publisher : Islamicate Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32506/joes.v2i2.472

Abstract

This article is motivated by the rapid development of the Islamic banking world, especially in Indonesia where the majority of the population is Muslims. When other countries have given birth to Islamic-based banks, as well as Indonesia, in 1992 was the establishment of Bank Muamalat Indonesia. Islamic banks use applications that are different from conventional banks, where the term on conventional banks is interest, whereas in Islamic banks use the profit sharing application. One application of Islamic banks that is very helpful to customers is the Mudharabah and Ijarah Muntahiya Bittamlik (IMBT) application. Although these two applications exist in Islamic banks or Islamic-based banks, it is possible that the two applications are not in accordance with Islamic economic law. Therefore, this paper tries to analyze the mudharabah and IMBT applications in the perspective of sharia economic law.

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