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Justisia Ekonomika
ISSN : 25985043     EISSN : 2614865X     DOI : https://doi.org/10.30651/justeko.v7i2
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Articles 362 Documents
Analisis Merger Bank Syari’ah Indonesia (BSI) Dalam Perkembangan Perbankan Syari’ah Di Indonesia Qibtiyah, Mariyatul; Wicaksono, Fitra
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. 
FAKTOR YANG MENENTUKAN MUZAKKI BERDONASI KEMBALI DI LEMBAGA ZAKAT Basit, Abdul; jaenudin, muhammad; Ratnasari, Ririn Tri
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
TINJAUAN HUKUM EKONOMI SYARIAH TERHADAP PRAKTIK PERJANJIAN TRANSAKSI UPAH “PACAK HEWAN” (Studi Atas Pacak Kucing di Comba Cattery Cinde Kota Palembang) Carolina, Dessy; Harun, Muhammad; Hidayat, Fatah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.15415

Abstract

This research is field research that aim to review of Sharia Economic Law on the agreement of Wage transaction “Pacak Hewan”. The existence of cattery and petshop that provide the services of competent cat breeding. However, the practices were contrary to the prophetic tradition of Rasulullah SAW that forbade lending male cats to breed the female cats and get the wage from the breeding result, Wage transaction of cat breeding can be categorized as a transaction that contain elements of gharar because the amount of the object is not known with certainty. Therefore, additional research into this transaction is required. The research method used is the qualitative method and the type of research is the field research. The technique of data collection is by means of the method of interview, observation, and documentation, while the technique of data analysis used the qualitative analysis; data presentation and conclusion taking. The result of this research is that the Practice of Catering Transaction Agreement that occurred in Comba Cattery Cinde Palembang has not fulfilled the pillars and conditions if using a rental contract based on the hadits narrated by Abu Daud, Imam Tirmidzi and opinions from the Hanafiyah and Syafi'iah Madzhabs because what is desired from the lease it is an animal sperm. However, the solution given by Imam Syafi'i can also be used as a consideration for cattery managers to continue to carry out breeding by hiring bulls if it becomes tradition but the payment of wages by tenants is based on an expression of gratitude, not in return for rent.Keywords: Wage Transaction, Agreement, Sharia  Economic Law.
KANDUNGAN BISPHENOL A (BPA) PADA KEMASAN BERBAHAN DASAR PLASTIK PERSPEKTIF UU PERLINDUNGAN KONSUMEN DAN MASLAHAH MURSALAH Qolbi, Wasiatul
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
KNOWLEDGE MANAGEMENT PADA BANK SYARIAH, STUDI KASUS PADA BANK SYARIAH DI INDONESIA Wulandari, Sri
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. 
PENGARUH KONSEP MANAJEMEN SYARIAH TERHADAP BANK DIGITAL Fatikhoh, Elvira
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.
THE LAW OF RECEIVING WAGES FOR TEACHERS OF THE QURAN, THE PERSPECTIVE OF ULAMA SYAFIIYAH AND HANAFIYYAH Rizky, Rizky; Husein, Mohamad Hidayatullah AK; Suleman, Nenden Herawaty
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.15919

Abstract

The Syafiiyah and Hanafiyah scholars' perspectives on the background of their divergent viewpoints on the legality of receiving compensation for teaching the Qur’an are presented in this study. The law governing the payment for teaching the Qur'an, as well as the legal procedures used by Hanafiyah Ulama and Syafiyah Ulama, are the source of the disagreement that leads to the issue. Normative legal research is the kind that it is. This study’s research topic relates to the views and legal strategies held by Syafiiyah and Hanafiyah scholars regarding compensation for Qur’an instruction. The research data are different viewpoints and justifications advanced by both traditional and modern academics. While the data sources are various fiqh references, such as books, papers, and newspapers, both print and electronic, which contain details about the status of receiving compensation for teaching the Qur’an services, as well as fiqh books written by classical and modern scholars regarding wages for doing so.The findings of the study on the opinions of the Ash-Shafi'i scholars suggest that charging for the teaching of the Qur’an is acceptable regardless of whether the pupils are children or adults, even when doing so would otherwise be considered fardhu 'ain. While the Hanafiyah scholars hold that it is forbidden to be paid for work that has religious overtones. argued that since Sahih hadiths were included in the quality of hadiths narrated by Bukhari, these hadiths should be used as support for claims that receiving or accepting compensation for teaching the Qur’an is acceptable.Keywords: Wages, Teacher, Perspective
TINJAUAN HUKUM POSITIF DAN EKONOMI SYARIAH TERHADAP JUAL BELI TANAH TANPA AKTA TANAH DI DESA SANA LAOK KEC. WARU KAB. PAMEKASAN Lillah, Moh Fad; Suhartono, Suhartono
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.16328

Abstract

Certificate of land rights as a strong means of proof against land registration. The guarantee of legal certainty to holders of land rights is accommodated in Law Number 5 of 1960 concerning Agrarian Principles and further regulated in Government Regulation Number 24 of 1997 concerning Land Registration. With the existence of a land certificate, it becomes strong in its ownership and becomes proof if asked to have a dispute over the land This study aims to explore the practice of buying and selling land without a land certificate and interpreting the practice of buying and selling land without a deed with a review of Islamic Economic Law. The type of research conducted by researchers is a type of field research using a phenomenological approach, data collection techniques are obtained by seeking answers about the meaning of a phenomenon while data analysis techniques are obtained by completely describing the phenomena experienced by the research. subject. The results of this study can be concluded that according to Islamic law buying and selling land without land certificates in Sana Laok Village is said to be valid and in accordance with Islamic law even though there is no evidence (certificate) because no one feels a loss. In accordance with the Qur'an (Q.S. Al-Baqarah [2]: 275), which explains that Allah has justified buying and selling and forbidding usury, and the Qur'an (Q.S. An Nisa [4]: 29), and there is no coercion and both sellers and buyers love each other suma or willingly even though there is no evidence (deed) and are honest with each other, because honest people will be in the hereafter with the prophets, martyrs and shiddiqin.Keywords: Positive Law Review, Islamic Economic,Buying And Selling land
PROFIT EQUALIZATION RESERVE (PER) AS AN EFFORT TO MITIGATE THE RISK OF RETURNS IN SHARI'A BANKING IN THE PERSPECTIVE OF THE RULES الْمَشَقَّةُ تَجْلِبُ التَّيْسِيْرِ Nasiruddin, Muhamad Hamam; Basyirah, Luthfiana; Surur, Miftachus
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.17172

Abstract

The application of Profit Equalization as an effort to mitigate the risk of returns on Islamic financial institutions, especially Islamic banking is still being a question for practitioners and academics, some groups support and some groups criticize, so this research aims to examine the application of the Profit Equalization Reserve (PER) as an effort to mitigate the risk of returns in Islamic banking perspective of third main principle,  namely الْمَشَقَّةُ تَجْلِبُ التَّيْسِيْرِ, Method in this study is a qualitative method with secondary data processing taken from literatures which related to PER management. This research shows that the risk of returns is masyaqqoh al 'azimmah, which is a serious difficulty and can affect the continuity of the Islamic banks activities. So, rukhshoh is needed which in this problem is the application of income smoothing without mitigation or with mitigation (PER), PER in this case is Takhfif Taqdim which is, risk mitigation efforts before they arise. The result of this research is that PER application is permissible and legitimate as long as it does not violate the Shari'a and Islamic economic principles, meaning that all of reports and information must be conveyed clearly to customers so as to avoid gharar elements.
ANALISIS STRATEGI DISTRO SYAICHONA BANGKALAN DALAM MENGATASI VOLUME PENJUALAN ily, luluk illiyah
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 7 No 1 (2023): Juni 2023
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v7i1.17246

Abstract

The growht of the business world is currently increasing marked by increasingly fierce competition. Fashion distribution is a clothing produvt that is produced by a particular clothing store and has characteristics that distinguish it from other types of clothing products from a fashion store. Distro clothing products that have designs that prioritize the distinctive appearance of urban youth by raising concepts such as music or sports and etc. However, it is didderent from tha Syaichona distro which carries the theme of Islamic clothing, because it is in a Islamic boarding school. This has resulted in the difficulty for Syaichona’s distro to develop its business, in the end the business it runs is unable to compete with other distro out there. The purpose of this study was to analyze the strategy used by the syaichona distro in dealing with sales volume. In this study using qualitative research using the case study method, the use of qualitative approach in this study is to match the research reality. The data sources obtained include primary data sources in this study using persons/ namely obtained through interviews with respondents, namely the head of Syaichona sistro, syaichona distro employess, and consymers. As well as secondary data such as other related reseatch. In dealing with tis problem, Syaichona;s distro carries out a strategy starting form being skilled in creating interesting ideas, further increasing its performance towards accuracy in selecting higher quality products, the level of the latest fashion tren, and taking steps to do good marketing such as utilizing the media social services such as innstagram, facebook, an d shoperr to market and update more to provide effective information to customers when new items arrive, and always have a discount. Keyword: strategy, distro syaichona, sales volume