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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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Analisis Manfaat (Maslahat) BMT Ditinjau Dari Persepsi Pengusaha Mikro: Studi Kasus BMT Nurul Jannah Petrokimia Gresik Hikmah Mujtahidah
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017): #3
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.v2i1.71

Abstract

Welfare is an aim of every human life. Usaha Mikro Kecil Menengah (UMKM) is one effort to achieve the aim. However, in practice, there are many difficulties faced by the entrepreneurs of UMKM, including in terms of capital/material. BMT is a financial institution based on cooperative with the principle of cooperation. One goal of BMT is to empower small entrepreneurs to grow the bussiness up and nd be able to compete ith the others. This research is the field reserch that ill analyze the benefits of BMT from the micro entrepreneurs’ perspective in Gresik, which involves several informants as primary sources. This study concludes that the financing done by BMT Nurul Jannah Petrokimia has benefits to micro entrepreneurs, such as asset increase, sales / earnings increase, income increase, and stability of the business undertaken. Other benefits are business assistance programs and empowerment of religious activities.
Pengelolaan Pengembangan Wakaf Uang Berdasarkan Peraturan Pemerintah No. 42 Tahun 2006 Pasal 48 Pada Bank BPD DIY Syariah Hendro Setyadi
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017): #3
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.v2i1.72

Abstract

Waqf money is not so familiar to the general public, this can be seen from the understanding of Indonesian society who see waqf only limited to the provision in the form of immovable goods. Nevertheless, the socialization of money waqf is not stagnant or keeps it going. This is evidenced by the existence of Law no. 41 of 2004 on Waqf and RI Government Regulation no. 42/2006 on the Implementation of Law No. 41 of 2004 on Waqf, although the implementation of waqf own money has started long after the fatwa of Majlis Ulama Indonesia (MUI) on May 11, 2002. This research is a field research with normative juridical approach in collecting Data, and using descriptive-qualitative methods in analyzing the management of money waqf development at Bank BPD DIY Syariah. Based on the research, it can be concluded that: (1). In the practice of management and development of money waqf in Bank BPD DIY Syariah, Bank BPD DIY Syariah acts as nadzir in fund raising and as a fund institution of waqf fund and for the distribution of bank BPD DIY Syariah in cooperation with Badan Wakaf Uang / Tunai (BWUT) . (2). The management and development of the money wakaf of Bank BPD DIY Syariah has been in accordance with the provisions of Article 48 of Government Regulation no. 42 of 2006 Keywords: Waqf, Waqf Money, Islamic Financial Institutions
Tinjauan Fungsi Hisbah dalam Kegiatan Perekonomian Ririn Noviyanti
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017): #3
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.v2i1.73

Abstract

Supervision is a consequence of the emergence of activities related to group interests. In the classical Islamic era, hisbah is a supervisory board that serves to oversee the course of social activities in society on several aspects. No exception in the economic aspect. This research is a literature research using content analysis in reviewing the function of hisbah institution as supervisor in economic activity. The conclusion in this study states that hisbah has a function as an evaluator of economic activities that ensure economic activities run in accordance with Islamic Shari'a. Such as prohibiting the practice of usury and ihtikar in economic activities, guarding pricing, prohibit the sale and purchase of money, and so forth. Keywords: Hisbah, Supervision, Islamic Economics
Etika Petugas Pajak Dalam Islam Rahmad Hakim
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017): #3
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.v2i1.74

Abstract

Tax is one source of state income. Therefore the tax return should be managed as well as possible. Nowadays, the condition of tax officer is in less than ideal condition, or even in bad condition, with the rise of corruption practice, tax evasion, selective logging to the taxpayer causing the losses of the State, injustice for the ummah so the loss of belief of ummah to the tax officer itself . This literature research will discuss the ethics of tax officials in Islam. By using content analysis, the author describes the general description of tax in Islam, the terms of the tax officer and the mechanism of tax management in Islam. In this study, the criteria of tax officials in Islam can be categorized into 7 (seven) criteria, among others: (1) not through violence (physical contact) to the taxpayer, (2) have gentle nature (al-'afwu), 3) does not exceed the limits of ability, (4) has a deep knowledge of the object of taxes imposed taxes, (5) taxes with good and right (according to Shari'a), (6) taxes fairly, (7) consider mashlahat All parties (State and taxpayers). Keywords: Tax, Tax Officer, Islamic Sharia
Kontribusi Pekerja Wanita dalam Meningkatkan Kesejahteraan Keluarga dan Proses Pengambilan Keputusan dalam Keluarga Rudy Catur Rohman Kusmayadi
Iqtishodia: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017): #3
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.v2i1.80

Abstract

Woman role for a family in this decade is really controversial and debatable which attract many interest especially related with gender issue. Thus, government launch regulation RI No 23 year 2004 about decision of abandoning any violence in a family that related with rule no 3 point b about gender equality. Woman equality proposes woman and man have equal status and condition to gain human right fully, potential and life of family proportionally. In accordance with the previous case, the more woman work to help their husband for improving family prosperity. Besides, need and demand of life grows high which encourage woman to work outside their house. This case is supported by global economic condition especially for the main need of family which days by days the price is growing higher. Concerning on those concepts, the more woman who work to help their husband for improving family prosperity since need and demand in family grows high. In addition, in a family, woman is demanded to be able manage money well in relation with economic condition which is still unstable because the salary of husband cannot afford need and demand of family. Keyword: gender equality, woman worker, decision taker.
Urgensi Amandemen dalam Konstitusi Undang-Undang Perbankan di Indonesia Ahmad Muhtar Syarofi
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.v2i2.97

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 Nur Qomari
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.v2i2.98

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 Fatkhul Wahab
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.v2i2.99

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 Rahmad Hakim
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.v2i2.100

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: Studi Kasus pada Bank Syariah Mandiri KC. XXX Kota Malang Ervin Kumala Aziz
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.v2i2.101

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

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