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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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Urgensi Amandemen dalam Konstitusi Undang-Undang Perbankan di Indonesia Syarofi, Ahmad Muhtar
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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Abstract

In today's modern economy era, the role of banking institutions is very important. In Indonesia the role of banking institutions is so increasing that it reaches about 99% of the national financial system. Given such an important role of the institution, it should be supported by a strong and strong, credible (reliable) legal and regulatory tool. Strong, strong and credible in the sense of their contents-the articles are not contradictory to each other, are not often revised / amended, neither misinterpreted and applicable. The Law Regulating Banking Law No. 7 of 1992 was amended by Act No. 10 of 1998 on Banking, Act No.23 of 1999 which amended by Act No. 3 of 2004 and Act No. 6 of 2009 on Bank Indonesia, Law Number 21 of 2008 concerning Sharia Banking (July 16, 2008); Law No. 21 of 2011 on the Financial Services Authority. This paper draws the conclusion that it is necessary to amend the law regulating of OJK, considering that OJK as the sole overseeing agency and investigator of economic activity in Indonesia, needs other institution to guard the developmnet of national banking in order to be health, grow fairly and support national economic development continuous. Keyword: Amendment, Law, Banking
Zakat: Solusi Pengentasan Kemiskinan Qomari, Nur
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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Abstract

Poverty is one of the problems that become a homework for developing countries including in Indonesia. Some goverment programs that have been launched in order to overcome poverty do not seem reliable enough to be a solution to the problem, instead of succeeding, the poverty rate in Indonesia is getting higher. In Islamic economics, zakat is a concentrated discourse as one of the alternatives to breaking the problem of poverty. The majority of Indonesia???s Muslim population, provides a great opportunity for the achievment of poverty alleviation missions, it is believed that as more and more Muslim aware of the obligation to pay zakat, the greater the potential of collected zakat. Zakat wise management and fair distribution and equitable, of course, be one requirment taht must be fulfilled so that function of zakat can be felt by all society layer. This paper use the literature approah and draw the concusion that the potential of zakat in Indonesia reached a fantastic figure. Zakat can be used as an alternative solution to the problem of poverty in Indonesia. With professional management, the people of Indonesia must be optimistic that the poverty rate will soon decline. Keyword: Poverty, Zakat, Islamic Economics.
Riba: Transaksi Kotor Dalam Ekonomi Wahab, Fatkhul
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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Abstract

In conducting various economic activities, Muslim society is often faced with the problem of usury. Seen to be a problem because usury is a normative thing that is forbidden religion and applicative apparently detrimental to certain parties. In Islam, levying usury or obtaining profit in the form of borrowing usury is haram. Prohibition of usury in various transactions of economic activity, presents the consequence that all economic activities should be clean and free from the element of usury. The writing of this article aims to reveal the nature of usury, the type of usury, the cause of prohibition of usury and the negative side or adverse effects of usury in economic activities. The author concludes, among other things: the negative impact of usury is causing discord and dissatisfaction among society and resulted in economic instability. Keywords: Riba, Islamic Law, Islamic Economics
Dakwah Bil Hal: Implementasi Nilai Amanah dalam Organisasi Pengelola Zakat untuk Mengurangi Kesenjangan dan Kemiskinan Hakim, Rahmad
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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Abstract

Da???wah in Islam has the meaning of calling for goodness and forbidding the badness, but the most effective method is actually da???wah bil hal. Nowadays, where the number inequality and poverty is increased, da???wah bil hal is strongly needed, not least for the zakah organization. This organization has an important role in reducing the number of inequality and poverty because it???s an intermediary function between donators (muzakki) and users (mustahik). The absence of amanah in zakat management organization at least has an impact on two things; first, the lack of public awareness related to zakat and the willingnes to pay for zakat. Second, the number of donors (muzakki) distributes zakat individually, so the impact of zakat is ineffective. Using the literature approach, this paper tries to discuss the importance of amanah value as an instrument of da???wah bil hal. It can be concluded that amanah value in zakah management can be implemented to reduce the number of inequality and poverty through several important dimensions, namely: mentality, accountability, capability, professional and the right to target. Keywords: da???wah bil hal, zakah management, amanah.
Pengaruh Kualitas Pelayanan terhadap Loyalitas Nasabah Tabungan BSM Aziz, Ervin Kumala
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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Abstract

This research tries to reveal about the quality of service and its effect on customer loyalty of product tabungan BSM in Bank Syariah Mandiri KC. XXX Malang city. In this study used a quantitative approach to the type of explanatory research and conducted through surveys. The samples used were 100 respondents, using simple random sampling technique, using service quality dimension including compliance, reliability, responsiveness, assurance, empathy, and tangibles as an independent variable and customer loyalty of product tabungan BSM as an independent variable. Data analysis using IKP (Index of Service Quality) as well as simple linear regression processed with the help of Microsoft Excel and SPSS 21. The results of this study, seen from the level of service quality indicate that the quality of service at Bank Syariah Mandiri KC. XXX Malang city is satisfactory. This is indicated by the mount IKP of all dimensions with an average of IKP of 4,05 if converted to 81.00. The results of simple linear regression analysis on R square show that 37.6% of service quality variables an able to endowment or contribute to customer loyalty of product tabungan BSM, and the remaining 62,4% is explained by other reasons beyond the variables studied in this study. Simple linear regression test shows loyalty service, which means if all independent variables are worth (0) then the value of -4,629, if the value of service quality increases 1% then customer loyalty up 25,4% and vice versa. While the hypothesis test, through T test and F test shows the quality of service influence on customer loyalty product tabungan BSM KC. XXX Malang city, with t-count 7,683>t-table 1,98, and f-count 59,035>f-table 3,94. Keyword: Quality of Service, Customer Loyalty, Tabungan BSM
في تمكين اقتصاد المجتمع DIY Sejahtera انتفاع الزكاة بخطّة An-Nisa Al-Asimi, Nadilla Sarah
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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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
استراتيجية حلّ مشكلة القروض المتعثرة Afifah, Azimatul
Iqtishodia: Jurnal Ekonomi Syariah Vol 2 No 2 (2017): #4
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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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 Noviyanti, Ririn
Iqtishodia: Jurnal Ekonomi Syariah Vol 3 No 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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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: Hakim, Rahmad
Iqtishodia: Jurnal Ekonomi Syariah Vol 3 No 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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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 dkk., Zahriyah Nurul Aini
Iqtishodia: Jurnal Ekonomi Syariah Vol 3 No 1 (2018): #5
Publisher : Department of Islamic Economic Law, Institut Agama Islam (IAI) Al-Qolam

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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.

Page 3 of 18 | Total Record : 173

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