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Iqtishodia: Jurnal Ekonomi Syariah
Published by Universitas Al-Qolam
ISSN : 2503118X     EISSN : 25804669     DOI : -
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences
Iqtishodia: Jurnal Ekonomi Syariah is a scientific journal that serves as a means of developing intellectual lecturers and academics of Islamic economic activists.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 173 Documents
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?? ????? ?????? ??????? DIY Sejahtera ?????? ?????? ????? ????? ???? ?? ????? ?????? ?????????? ????? 2.14-2.15 Nadilla Sarah An-Nisa Al-Asimi
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v2i2.102

Abstract

Zakat merupakan ibadah maliyah yang mempunyai dimensi dan fungsi sosial ekonomi atau pemerata-an karunia Allah. Berdasarkan data BPS 2011 menerangkan bahwa kesejahteraan masyarakat Indo-nesia masih rendah karena baru menempati ranking ke 126 di dunia. Seperti halnya provinsi Daerah Istimewa Yogyakarta menurut BPS 2013, tingkat kemiskinan yang terjadi mencapai persentase 0,55% yang mana lebih tinggi dari rata-rata kemiskinan Indonesia yang mencapai 0,43%. Keterangan diatas menyatakan bahwa tingginya tingkat kemiskinan di Indonesia harus menjadi perhatian besar bagi pemerintah untuk menggalakkan program pemberdayaan masyarakat guna mengentaskan kemis-kinan. Salah satunya adalah mengoptimalkan sumber-sumber keuangan Islam termasuk Zakat. Maka dibentuklah Badan Amil Zakat Nasional Daerah Istimewa Yogyakarta oleh pemerintah. Pada tahun 2014 Badan Amil Zakat Nasional Daerah Istimewa Yogyakarta mampu menghimpun dana zakat hingga 300 juta rupiah dan meningkat pada tahun berikutnya hingga 600 juta rupiah. Namun jumlah pendayagunaan zakat menurun pada tahun 2015 dari tahun sebelumnya. Dana yang terhimpun disalurkan melalui berbagai program salah satunya adalah program DIY Sejahtera yaitu berupa bantuan ekonomi produktif berupa bantuan modal usaha bagi fakir miskin untuk Daerah Istimewa Yogyakarta yang bertujuan untuk meningkatkan kesejahteraan masyarakat untuk mandiri dan memberdayakannya sehingga dapat mengubah derajat mustahik menjadi muzakki. Penelitian ini adalah penelitian lapangan dengan metode kualitatif deskriptif eksploratif. Hasil pene-litian ini menunjukkan bahwa pendayagunaan dana zakat melalui Program DIY Sejahtera terdiri dari 2 program yaitu Program Baitul Qirath dan Program Bedah Rumah. Program Baitul Qirath merupakan program pendayagunaan zakat untuk ekonomi produktif melalui pemberian modal usaha dengan angsuran. Dan Program Bedah Rumah merupakan pendanaan tempat tinggal bagi warga yang rumah-nya tidak layak huni. Namun pada praktiknya, pendayagunaan dana zakat oleh BAZNAS Daerah Istimewa Yogyakarta lebih difokuskan kepada Program Baitul Qirath. Adapun kendala yang dihadapi oleh BAZNAS Daerah Istimewa Yogyakarta adalah kurangnya SDM dalam menjalankan program ini sehingga pendampingan mustahik belum optimal. Kata Kunci: Zakat, Empowerment, Keuangan Islam
?????????? ??? ????? ?????? ???????? ????? ?????? ?? ????? ??? ????? ???????? ????? ???? ?????? ???????? 2015 Azimatul Afifah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v2i2.104

Abstract

Dalam dunia perbankan, pembiayaan merupakan tugas bank yang sangat penting yaitu dengan menghimpun dana dari masyarakat dan menyalurkannya kembali kepada masyarakat dalam bentuk kredit. Mengingat dalam Islam bahwa hubungan pinjam meminjam tidak dilarang bahkan dianjurkan agar terjadi hubungan saling menguntungkan, yang pada gilirannya berakibat kepada hubungan persaudaraan. Jika dilihat dari pendapatan sebagian masyarakat Indonesia masih dibawah rata-rata, maka dirasa kredit sangat dibutuhkan untuk menambah modal dalam menata kebutuhan ekonomi yang lebih baik. Dalam memberikan kredit sering kali sebuah lembaga keuangan mengalami banyak permasalahan yang cukup serius seperti tidak kembalinya modal yang telah dipinjamkan dan apabila tidak segera diatasi dapat menimbulkan kerugian yang fatal, oleh sebab itu harus adanya analisis yang tajam, teliti dan cermat. Begitu juga yang dialami oleh BMT IKPM. Dalam artikel ini peneliti membahas tentang strategi penyelesaian yang dilakukan oleh BMT IKPM untuk menyelamatkan kredit bermasalah. Kesimpulan yang diambil oleh peneliti bahwa, penye-lesaian kredit macet di BMT IKPM Gontor sudah sesuai dengan cara penyelesaiannya dalam al-qur’an dan hadist dengan cara, menambah modal apabila dilihat masih mempunyai kemampuan usaha, mengirim surat peringatan utang apabila dilihat sudah mulai tidak lancar, Resceduling dengan memberi tambahan waktu sampai debitur bisa melunasi hutangnya bagi kredit yang dinilai sudah diragukan, melakukan penagihan secara rutin dan yang terakhir apabila dinilai sudah mulai macet, dengan menjual jaminan dari nasabah, dan apabila masih belum bisa dengan memberikan sedekah kepada nasabah yang diambil dari baitul maal. Kata Kunci: Baitul Mal wa Tamwil, Kredit, Ekonomi Syariah
Bank Syariah: Antara Konsepsi dan Implementasi Ririn Noviyanti
Iqtishodia: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v3i1.161

Abstract

The development of Islamic banks up to now should be appreciated, there will still be some challenges that must be faced in order to make this institution even better. This study aims to discuss in depth related to the background of the formation of Islamic banks, opportunities and challenges faced. The conclusion of this study is that some of the challenges faced are as follows: problems of human resources (HRD), capital problems, regulatory problems, service network problems, product innovation problems, socialization problems. The strategies needed to anticipate some obstacles to the development of Islamic banks. First, improving the quality of human resources in the field of Islamic banking. Second, there are more progressive efforts from practitioners, government and ulama to encourage the fulfillment of the legality of shari'ah instruments so that syari'ah bank space is broader. Third, improving the quality of Islamic banks with the support of academics, so that the construction of Islamic finance institutions is more rational and acceptable to all groups. Fourth, a more aggressive socialization of Islamic banks.
Pro Kontra Fatwa Dana Talangan Haji: : Perspektif Maslahah Mursalah Rahmad Hakim
Iqtishodia: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v3i1.162

Abstract

This paper aims to conduct an in-depth analysis of the positive and negative impact of the hajj financing funds that have been set out in the fatwa of DSN-MUI from the perspective of maslahah mursalah. Although it has long been established and has been implemented, but the debate surrounding the legalization of hajj bailout funds is still occur among the people. Some people feel the benefits of this fatwa, while some people question its validity; especially in terms of ability (istita’ah) of performer of the Hajj using this facility. In addition, this is also considered to be able to extend the hajj queue. The question that should be answered is what is the problem and the benefits of this hajj financing, if viewed from the perspective of maslahah mursalah. This study uses a type of qualitative-descriptive research with diverse collection methods; documentary and interview. The conclusion of this study is that the hajj financing still benefits to the ummah.
Perilaku Muzakki dalam Membayar Zakat Melalui Transaksi Non-Tunai di Lembaga Inisiatif Zakat Indonesia (IZI) Surabaya Zahriyah Nurul Aini dkk.
Iqtishodia: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v3i1.163

Abstract

This research aims to find muzakki’s behavior on paying zakah using non-cash transaction on foundation of Inisiatif Zakat Indonesia (IZI) branch Surabaya. The result of this research shown that muzakki’s behavior in paying zakah using non-cash transaction based of some factors which are behavior based on muzakki’s conviction, behavior based on environment, behavior based on conscious interests, behavior based on spontaneous interests (reflex motion), and behavior based on external factors. Paying zakat which done by informan caused a positive impact towards their life, such as feeling peace, happiness, trusted in office and also in form of great achievements of their children in the school.
Identifikasi Regulasi Peningkatan Investasi dan Perluasan Lapangan Kerja di Kabupaten Malang: : Sebuah Perspektif Syariah Rudy Catur Rohman Kusmayadi; Nur Qomari
Iqtishodia: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2019): #8
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v4i2.195

Abstract

This research identifies and seeks answers to problems regarding investment regulation and job creation from the perspective of Islamic Sharia, regulations governing regional security and order from all activities that cause social and political disturbances, regulations as Government Intention that represent support for investment opportunities and expansion employment opportunities in Malang Regency to help and facilitate the expansion of employment opportunities
The Wage System (Ijarah) In Islam: A Comparative Perspective of the Scholars Ahmad Fauzi
Iqtishodia: Jurnal Ekonomi Syariah Vol. 6 No. 2 (2021): September
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v6i1.210

Abstract

Wages are one of the main sources of income for workers for what they do to improve their lives. The wages given by the owner of the field must be in accordance with the principles of justice or not indicated to be wrongful. This study aims to determine the perspective of the scholars on the wage system (ijarah). This study was qualitative, the data collection technique in this study used documentation techniques by conducting in-depth studies related to the concept wage system in Islamic perspective contained in the works of Muslim intellectuals in the past and contemporary era. The data analysis technique used qualitative data analysis. The results found that the wage system applied by the current employer is in accordance with the concept of ijarah bil-amal contract because it has fulfilled all the pillars and requirements as well as the principles specified in the concept of this contract.
Pemikiran Ibn Taimiyah Tentang Regulasi Harga Pasar Dalam Islam Muhamad Zia Ulhaq; Siti Achiria
Iqtishodia: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v3i1.213

Abstract

The market has a very important role in the economy. Islam recognizes the existence of market mechanisms if the market runs perfectly. The problem that often occurs is the distortion in the market that impedes the economy, so Islam considers the need for government intervention in price-fixing. This paper aims to find out the concept of Ibn Taimiyah's thoughts regarding the regulation of market prices in Islam. The method used is library research using descriptive analysis method. One of Thought Economy Ibn Taimiyah explained that the price was determined by the strength of demand and supply. If the price increase is due to fraud and the inequality of the market mechanism, the government must implement a policy in determining prices. If there is a natural price increase, the government does not have the authority to set prices. Therefore, the thought of Ibn Taimiyah provides an understanding of what happened in the past but can be expected for the present state of life of the people.
Relevansi Promosi terhadap Minat Nasabah Dalam Melakukan Transaksi Di Bank Syariah Mandiri KC Kepanjen Anita Rahmayanti
Iqtishodia: Jurnal Ekonomi Syariah Vol. 3 No. 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v3i1.214

Abstract

This research is aims to know how the promotion affected of customer interest in transactions at Sharia Mandiri Bank Kepanjen. This research was conducted by means of quantitative descriptive. Methodology of data collection were carried out by using questionnaires and distributed to the customers of Sharia Mandiri Bank Kepanjen. The research samples taken 100 respondents who are conducted the transaction at Sharia Mandiri Bank Kepanjen, the researcher used Sampling Incidental technique. Data analysis in this research include validity test, reliability test, multiple regression test, statistic test through t-test, f-test, and coefficient of determination (R2), and classical assumption test. The data analysis conducted by SPSS 22 version. Based on the research result there are influence of advertising variable, personal sales, sales promotion, publicity, and direct marketing of customer interest in transaction at Sharia Mandiri Bank Kepanjen. Based on the results of multiple linear regression analysis obtained R2 is 57.7% while the remaining 42.3% is explained by other variations outside the variable model examined in this research. Promotion Variables that have the most influence on the customers interest in transactions at Sharia Mandiri Bank Kepanjen is a personal sales promotion. From the data analysis obtained F 25,709 with a significance value of 0.000, because the significant probability is smaller than 0.05 it means Ho rejected and Ha accepted. This results shown that the promotion can affect the customers’ interest.
Analisis Dampak Nilai Taksir, Biaya dan Pelayanan terhadap Keputusan Nasabah: Studi Kasus di Pegadaian Syariah Unit Bunul Kota Malang R. Rama Riyan Jazulia
Iqtishodia: Jurnal Ekonomi Syariah Vol. 3 No. 2 (2018): #6
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v3i2.215

Abstract

Pawn is a financing service that is now widely used to meet the needs of the community. Pawn sharia becomes one of the service products offered by Perum Pegadaian as an alternative that many people in demand. This study aims to determine the significant effect of value of assessors, costs, and services to customer decisions in Pegadaian Syariah Bunul Unit in 2017. This research is a study with non-experimental quantitative approach. Primary data is obtained through data collecting in the form of questionnaires and direct interview result from related sources. The respondents in this study ie customers who will and have used the services of pawnsharia in Pegadaian Syariah Unit Bunul Malang City as many as 83 people selected using purposive sampling technique and analyzed using SPSS 21 with multiple linear regression analysis tools. The results obtained from this study indicate that the value factor estimates, costs, services together have a significant positive effect on customer decisions in Pegadaian Syariah Bunul Unit in Malang City.

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