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INDONESIA
Justisia Ekonomika
Published by Universitas Muhammadiyah Surabaya
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Articles 24 Documents
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Search results for , issue "Vol 6 No 2 (2022): Desember 2022" : 24 Documents clear
KNOWLEDGE MANAGEMENT PADA BANK SYARIAH, STUDI KASUS PADA BANK SYARIAH DI INDONESIA Sri Wulandari
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15499

Abstract

Conventional banks have successfully implemented knowledge management strategies by using various models to support their business performance. Limited studies have been proposed on how Islamic Banks manage different knowledge to support their business processes. By using the knowledge management life cycle theory, the researcher studied the knowledge management process in several cases in Islamic banks in Indonesia. Researchers collected data by means of observation, written materials, and in-depth interviews with key informants from the Islamic bank. The results show that the knowledge management life cycle in Islamic banks does not always follow the theoretical model developed by previous research conducted in conventional banking organizations because Islamic banks have different characteristics. Islamic banks must integrate knowledge management into Islamic values and norms before they are stored, shared, used, and improved as shown in the theoretical model. This study explains and provides new insights about the knowledge management life cycle in Islamic banks both for academics and for practitioners. 
KARAKTERISTIK DINAMISITAS HUKUM MUAMALAH TENTANG RAHN DALAM TEORI DAN PRAKTIK (Pertarungan Antara Formalitas Versus Substansialitas Hukum Muamalah) Jamil Uddin; Wawan Afriadi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14264

Abstract

Rahn, as a topic discussion, in Muamalah studies is indivisible from some theories developed by Islamic scholars to formulate various substantive practices. This study deployed literature-review as a research method in purpose to discuss some secondary and primary data such as Islamic-law from the Quran, Al-Hadiths and affirmative-law in Indonesia with Fiqh books as a writing guidance. The results found that there were some similarities and differences regarding Rahn based on two scholars; Hanafi’s and Syafi’s perspectives. In establishing a law (law-istinbath) by Abu Hanifah was utilizing his own Fiqh to be more substantial to discuss the Rahn or Law Istinbath (law establishment) method. What had been done by this mazhab was basically from the Quran, Al-Hadits (As-sunnah), Aqwal al-Shahabah (The opinion of the prophet’s companions), Ijma’, Qiyas, Istihsan, and Urf (Custom). Meanwhile, Al-Imam Syafi’i conceptualized the law istimbath (law-establishment) by the reference in his I’rab Ar-risalah; the Quran, As-sunnah, Ijma’, Qiya, and Istidlal (Istishab). The similarities and differences according to Hanafiyah-scholars that the mazhab divided into two categories in which as absolute approval and absolute refusal. To Syafi’iyah-scholars that the murtahîn were forbidden to utilize the marhun yet they only had right to detain it. The Marhun can only be used by Râhin as the owner. However, in term of Râhin gave permission, the Marhun could utilize it.
THE REALITY OF SHARIA BANKING IN INDONESIA; CRITICAL ANALYSIS OF SHARIA ECONOMIC LAW PERSPECTIVE Karimatul Khasanah; Nurul Khikmah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14999

Abstract

 This article highlights the criticism directed at Islamic banks where many parties think there is no difference between Islamic banking and conventional banks. This assumption comes from at least three realities, firstly, Islamic bank capital comes from conventional banks, secondly, mudarabah which in its implementation, banks provide non-goods funds, and thirdly, Islamic bank products that use mudarabah in practice are different from the theory of mudarabah in classical fiqh. The perspective of Islamic economic law is appropriate to be used to answer these problems. The type of research used in this paper is normative legal research. The data sources used in this paper are primary data in the form of laws and Islamic legal literature. The type of approach in this paper is a conceptual approach, the concept intended is the theories that exist in Islamic law, specifically the theory of mixing halal and haram, the concept of mudharabah and murabahah according to fiqh. This study uses a qualitative method with a literature review approach (library research). The results of the study conclude that Islamic banking capital originating from conventional banks does not damage the contracts made by Islamic banking. Murabahah and mudarabah contracts which in their application are different from classical fiqh theory are actually forms of contract innovation because they adapt to current needs and as a form of embodiment of the principles that exist in sharia economic law.
PENGARUH KONSEP MANAJEMEN SYARIAH TERHADAP BANK DIGITAL Elvira Fatikhoh
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15694

Abstract

The development of digital culture in organizations encourages the emergence of innovations to digitize business. Digital innovation will provide new experiences for customers. In Indonesia, many banks are developing digital banking services to develop their services through digital transformation, such as BCA with Blu, and BTPN with Jenius. The purpose is to increase the number of customers. The existence of digital banking from various conventional banks can make it easier for customers to open accounts, pay bills, shop, and also transfer to other banks or between banks. The increasing number of internet users can make it easier for digital banking to develop in this modern era. Supported by practical features that are easy for the public to understand, transact without having to leave the house. Digital banks allow customers to get banking services independently (self-service) without having to come directly to the bank. Digital banking is different from SMS banking, Mobile-banking, and E-banking, in that these services are banking services that can be accessed alone via smartphones with features ranging from payment transactions, transfers, and purchases, to cardless cash withdrawals at ATMs. A process of activities to achieve goals carried out by individuals who contribute their best efforts through predetermined actions can be called management. Sharia management is management to obtain optimal results that aim to seek the pleasure of Allah SWT. The purpose of this study is to determine the effect of the concept of Islamic management on digital banks, by asking whether this conventional mobile banking application follows Islamic law.
KONTRAK MURABAHAH PADA PRAKTIK LEMBAGA KEUANGAN SYARIAH DAN PROBLEMATIKANYA Tuah Itona
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.14371

Abstract

 Murabahah contracts are the most dominant transactions in financing contracts at Islamic Financial Institutions, because they are more consumptive in nature. The customer uses a murabahah contract with credit or installment financing by paying agreeing to the time defined in the initial contract agreement, but since the COVID-19 epidemic has commanded a biggish bump on the economy in the country, government, financial institutions, and the lower middle class especially those who have difficulty earning income and even employees who are laid off from their jobs. So that the financing agreement that was previously implemented becomes problematic because of bad credit financing. This study discusses how to deal with murabahah credit financing during the pandemic and how government policies minimize these problems. The breed of this exploration is archive exploration, the analysis applied in this research is qualitative and descriptive analysis, the data collection method uses the observation method. The results showed that in financing murabahah loans that were problematic during the pandemic, the government issued a policy through Financial Services Authority Regulation Number 48/POJK.03/2020 concerning Amendments to Financial Services Authority Regulation Number 11/POJK.03/2020 concerning National Economic Push as a Contracyclical Policy for the Impact of the Converlet of Corona Virus Disease 2019. In which there is one strategy by implementing credit restructuring or in this case financing as a rescue Try not to get worse and makes it difficult to resolve customer incompetence.
Hukum Ekonomi Syariah dan Dampaknya Terhadap Perkembangan Hubungan Bisnis Muslim dan Non-Muslim di Timur Tengah Studi Kasus Uni Emirat Arab Muhammad Rafi Siregar; Ahmad Rifai; Mariana -
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15036

Abstract

The United Arab Emirates is a federation of seven emirates: Ajman, Dubai, Sharjah, Abu Dhabi, um Al-Quwain, Ras Al Khaimah and Emirate of Ras Al Khaimah. The United Arab Emirates is located near the Persian Gulf in the Northeastern part of the Arabian Peninsula; it was founded in 1971 by Sheikh Zayed Al Nahyan. The country's diverse culture and geographic location as a crossroads make it a prime location for commerce and trade. There are currently three emirates in the country: Fujairah, Ras al-Buradj, and Sharjah. Islam plays a crucial role in Gulf culture. Because of this, the role of Islamic principles in dispute resolution and trade is considered a key aspect. This article discusses how Sharia Economic Law affects both Muslim and non-Muslim business relationships in the United Arab Emirates and Dubai. Looking at Law and Development from an Islamic Perspective By addressing the impact of Shariah economic law on economic development, a new vision of legal theory and development is proposed. TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//   This page is in English Translate to Indonesian    AfrikaansAlbanianAmharicArabicArmenianAzerbaijaniBengaliBulgarianCatalanCroatianCzechDanishDutchEnglishEstonianFinnishFrenchGermanGreekGujaratiHaitian CreoleHebrewHindiHungarianIcelandicIndonesianItalianJapaneseKannadaKazakhKhmerKoreanKurdish (Kurmanji)LaoLatvianLithuanianMalagasyMalayMalayalamMalteseMaoriMarathiMyanmar (Burmese)NepaliNorwegianPashtoPersianPolishPortuguesePunjabiRomanianRussianSamoanSimplified ChineseSlovakSlovenianSpanishSwedishTamilTeluguThaiTraditional ChineseTurkishUkrainianUrduVietnameseWelsh Always translate English to IndonesianPRO Never translate English Never translate journal.um-surabaya.ac.id
ANALISIS PEMBIAYAAN BERMASALAH DI BANK WAKAF MIKRO PADA MASA PANDEMI COVID-19 (Studi Kasus di Bank Wakaf Mikro Al Fithrah Surabaya) Ahmad Habib Mustofa
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

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

Abstract

This study aims to identify and analyze non performing financing at Bank Wakaf Mikro (BWM) Al Fithrah during the covid-19 pandemic. This type of research is descriptive qualitative using case study method at BWM Al Fithrah Surabaya. Research data was collected by direct observation and interviews with manager, supervisor, and customers at BWM Al Fithrah Surabaya regarding non performing financing during the Covid-19 pandemic, added with documents and financial reports. The data was processed by researcher, validated by triangulation techniques and analyzed with a descriptive-qualitative mindset. The results of the study conclude: Firstly, the increasing ratio of non performing financing during the Covid-19 pandemic in 2020 was caused by declining customer’s income and the accompaniment named Halaqah Mingguan (HALMI) activities being temporarily suspended. Secondly, the trend of non performing financing ratio decreased during the Covid-19 pandemic in 2021 because HALMI activities had been implemented again, supported by regular payments from customers due to their business innovations that made their business run as usual, although the non performing financing  level was still relatively high due to the payment arrears from HALMI Barokah group which was disbanded during the covid-19 pandemic in 2020. Suggestions from researchers are: Firstly, HALMI should still be implemented in any situation, because it has been proven successful in minimizing non performing financing. Secondly, providing knowledge to customers about the importance of business innovation. Third, provide references and training so that customers will be able to expand their business.Keywords: Non Performing Financing, Covid-19 Pandemic, Bank Wakaf Mikro.
Analisis Merger Bank Syari’ah Indonesia (BSI) Dalam Perkembangan Perbankan Syari’ah Di Indonesia Mariyatul Qibtiyah; Fitra Wicaksono
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15265

Abstract

Research entitled "Analysis of the Merger of Indonesian Syari'ah Bank (BSI) in the Development of Syari’ah Banking in Indonesia" is motivated by the proliferation of news on television, social media, advertisements, and socialization carried out by related banks. This reason makes the author interested in conducting Research on the merger of Indonesian state-owned Syari’ah banks. The merger of the state-owned Syari’ah banks consists of BRI Syariah, Mandiri Syariah Bank, and BNI Syari'ah, while the Government as the owner. Through the Ministry of SOEs represented by SOE Minister Erick Thohir has initiated the merger of Syari’ah banks under his Ministry since 2020 by actively coordinating with related institutions.  On February 1, 2021 the merged bank can be inaugurated and start operating under a new name, namely Bank Syari'ah Indonesia (BSI). Besides this study aims to find out more in depth whether the merger have a positive impact on the development of Syari’ah banking in Indonesia. From the results of the author's analysis of the performance achievements of BSI and also the performance achievements of Syari’ah banking in Indonesia, it is proven that it can improve the performance of Syari’ah banking. Specifically, the improvement can be seen in terms of assets, CAR, ROA, financing, profitability, efficiency, additional office networks and number of employees, while reducing NPF and BOPO. Therefore, it can be concluded that the merger of Bank Syariah Indonesia (BSI) has made a positive contribution to the development of Syari’ah banking in Indonesia, and especially for Bank Syari'ah Indonesia (BSI) itself. 
KANDUNGAN BISPHENOL A (BPA) PADA KEMASAN BERBAHAN DASAR PLASTIK PERSPEKTIF UU PERLINDUNGAN KONSUMEN DAN MASLAHAH MURSALAH Wasiatul Qolbi
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15472

Abstract

 The packaging sector is an important industry. One of the packaging materials that is often used is plastic packaging. In plastic packaging there is one of the BPA materials used in the manufacturing process. This BPA content has the potential to be released and mixed with packaged foods and beverages. While BPA is a content that can cause various diseases such as cancer. This study aims to determine the content of BPA in plastic packaging seen from the Consumer Protection Act and Maslahah Mursalah. This study uses normative legal research that is descriptive analytical with a qualitative approach to primary data, secondary data and tertiary data which includes the content and structure of positive law. The results showed that the BPA content in plastic packaging did not comply with several articles in the Consumer Protection Act. It is stated that one of the rights of consumers is to get a sense of security and safety in consuming goods and services. The content of BPA which can cause various diseases is clearly not in accordance with the clauses in the Consumer Protection Act. In maslahah mursalah, the discovery of the use of plastic as food and beverage packaging can be said to be useful, it can also be said to be useless. Plastic packaging can be said to be useful if the plastic packaging is in accordance with its purpose, namely to protect food and beverages from external contamination. The presence of Bhispenol A in the plastic base material causes losses
FAKTOR YANG MENENTUKAN MUZAKKI BERDONASI KEMBALI DI LEMBAGA ZAKAT Abdul Basit; muhammad jaenudin; Ririn Tri Ratnasari
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 6 No 2 (2022): Desember 2022
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v6i2.15407

Abstract

This study aims to determine the muzakki's factors to re-donate in LAZNAS IZI. In addition, this study also wants to know the effect of service quality factors and the institution's reputation on the intention to re-donate at LAZNAS IZI. This study uses multiple linear regression by testing the effect of the Independent variables (X) on the Dependent variable (Y). There are four independent variables, namely Service Quality (X1), Reputation (X2), Attitude (X3), and Trust (X4). The dependent variable used is Intention to Redonation (Y). Primary data were obtained from questionnaires distributed to 97 IZI Zakat Institution donors who had donated more than once. From this research, it can be seen that Service Quality partially influences the interest to donate Back to IZI Zakat Institution. While Reputation, Attitude, and Trust partially have no effect. However, simultaneously all variables affect the interest of donors to re-donate to LAZNAS IZI. This study can be used by LAZNAS IZI as a reference to maintain several variables that are factors that donors are willing to redonation. In addition, variables that do not have a direct effect need to be developed with other variables together to have an effect and increase the donor's intention to redonation. The addition of the number of respondents and LAZ studied can also enrich the results of subsequent studies

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