JURNAL EKONOMI SYARIAH
The journal focus on providing qualified researches in the area of Islamic economics, banking and finance. The journal aims to cover topics that are paramount in modern Islamic economics and finance. The languages used are Bahasa. Editors invite researchers, lecturers, reviewers, industry practitioners, and observers to contribut
Articles
105 Documents
<![CDATA[PREDIKSI PERTUMBUHAN PERBANKAN SYARIAH DI INDONESIA TAHUN 2020 DENGAN QUANTITATIVE METHODS ]]>
<![CDATA[Aam Slamet Rusydiana]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 2 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i2.1154
<![CDATA[This study aims to predict the growth of Islamic banks assets in Indonesia for the year 2020. There are three schemes of forecasting count: pessimistic, moderate and optimistic. The results show that with the Multiplicative Decomposition method, the assets of Indonesian Islamic banks are estimated to reach Rp 523.72 trillion at the end of 2020. Slightly different from those results, with the trend analysis method, the assets of Indonesian Islamic banks are estimated at Rp 516.09 trillion. As for using the exponential smoothing approach with a trend at the end of 2020 the assets of Indonesian Islamic banks are estimated to reach Rp. 553 trillion. So, if nothing extraordinary happens - which is inorganic - and the assumption of 'ceteris paribus', the assets of Islamic banks in Indonesia at the end of 2020 will be in the range of Rp. 516 to Rp. 553 trillion 'only'. The growth of Indonesian Islamic banks asset in 2020 is between 7.3%-14.9%. This is expected to be realized.]]>
<![CDATA[ANALISIS KELAYAKAN BISNIS SYARIAH PADA USAHA MIKRO TEMPE ]]>
<![CDATA[Heni Sukmawati]]>;
<![CDATA[Fatimah Zahra Nasution]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 1 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i1.801
<![CDATA[Tempe industry is one of potential micro enterprises operating in Indonesia. Tempe isa well-known substitution food consumed by many people in the country. Thus tempeproduction has an important role in meeting the demand for Tempe in the domestic market in Indonesia. Practically in many areas, Tempe production is operated in a small scale due to lack of resources. This promising business is feasible to be developed into a higher scale. The feasibility study is an in-depth assessment in analyzing either a running business or a proposed business plan. The purpose of this study is to define a business condition with a statement that a business is feasible or not as per consideration in various analyzed aspects. In-depth assessment means that one enterprise will be studied comprehensively according to data and information, measured and examined with certain methods. One important aspect is marketing which will look at how large the market share of the business, how capable the business to attain the proportion of the market sharudie, relatively compare with the competitors, what strategies will be conducted in obtaining the expected results for the business. Financial analysis will assess the capability of a business in attaining revenue and minimizing the cost. By doing this analysis, the duration of payback period of an investment will be calculated precisely. The assessment includes financial records and cash flow report. Research method used in this study is descriptive both quantitative and qualitative using survey method and indepth interview. The research designed to capture the real condition regarding the analyzedobject based on valid data and factual circumstances. The collected data then analyzed and processed with the basic theory used in this research. This research was conducted in Tempe production center located on Jalan Ampera Tasikmalaya City. Based on the result from financial analysis, it can be stated that the business is feasible. Based on the result on sharia marketing analysis, it is found that the business is operated accordingly to sharia principles. However, the interview section found some problems regarding the financial management and marketing strategy which needed to be resolutely improved. The research results are expected to be considered as evaluation issue for the improvement and development of Tempe industry in Tasikmalaya City and eventually give some contribution for the economic growth in Tasikmalaya City.]]>
<![CDATA[OPTIMALISASI POTENSI MASJID SEBAGAI BASIS PENGUATAN EKONOMI MIKRO SYARIAH DI BMT MESJID ALMUHSININ CIAMIS ]]>
<![CDATA[Ganjar Santika]]>;
<![CDATA[Iip Miftah Fauzi]]>;
<![CDATA[Wida Lisnawati]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 2 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i2.1161
<![CDATA[The mosque is a religious infrastructure which mostly carries out activities related to devotion to Allah, because the function of the mosque has four main functions, namely as a place of worship, social, educational and economic. Therefore the mosque is not only a place to carry out worship to The Creator, but at the same time facilities muamalah activities. This study aims to determine, describe and analyze the optimization of the role of the al-Muhsinin mosque as a place of worship that is integrated with the service of the people as strengthening the economy of rural communities. This research was conducted with a qualitative approach with the method of observation and interviews with informants who were considered to understand the system applied to the Cisontrol village mosque-based economy. Data analysis used is interactive data analysis. The main purpose of the establishment of a mosque-based economy in the village of Kubang Cisontrol village is to meet the needs of the community for food needs before the month of Ramadan and various other goods so that it does not fall into the ribawi gorge]]>
<![CDATA[IMPLIKASI AMANDEMEN UNDANG-UNDANG TENTANG ZAKAT TERHADAP OPTIMALISASI PENGUMPULAN DAN PEMBERDAYAAN ZAKAT ]]>
<![CDATA[Yusep Rafiqi]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 1, No 1 (2016) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v1i1.904
<![CDATA[Zakat is maaliyah ijtima'iyyah worship, it means worship in the area of property that has a very important position in the development of society. Zakat is purification treasure for muzakki and develop the economy for mustahik. Thus, zakat can contain two effects at once; spiritual impact and economic impact. The impact of issuing this treasure should be able to motivate muzaki to continuously purify the treasures with regular charity which, in turn, have a direct impact on the level of welfare of the mustahik. However, in reality, poverty is still notmoved. During this time, the government's efforts to reduce poverty are many initiated and pursued to be realized. Among others, by formulating standards and draw up a map of poverty pockets of poverty. By looking at the reality of poverty, tackling problems and solutions offered Islam, required laws that defend the rights of the poor and poverty reduction procedure itself. In the context of the laws of the Republic of Indonesia, the government's efforts to accommodatethe interests of Muslims and efforts to eradicate poverty is by enacting two laws product zakat management. Legislation in question is Act No. 38 of 1999 and Act No. 23 of 2011 on the management of zakat. However, the legislation needs to be reassessed its effectiveness because until today the empowerment of zakat is still far from expectations]]>
<![CDATA[PENGARUH NON PERFORMING FINANCING (NPF) DAN GROWTH OF GROSS DOMESTIC PRODUCT (GGDP) TERHADAP FINANCING TO DEPOSIT RATIO (FDR) DI PT BANK BNI SYARIAH PERIODE 2013-3017 ]]>
<![CDATA[Qiny Shonia Az Zahra]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 2 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i2.993
<![CDATA[Liquidity is an important point in banking operations as well as in the resilience and sustainability of a sharia bank. FDR at Bank BNI Syariah tends to decrease during the period 2013-2017. In addition, there is a phenomenon of a gap between the development NPF and GGDP against FDR in PT Bank BNI Syariah. This study has a purpose to know the partial influence of NPF and GGDP on FDR. In addition, this study aims to determine how much the simultan influence of NPF and GGDP on FDR.In some opinions and research results found by other researchers that NPF, and GGDP will affect FDR. GGDP increase, FDR will also increase, and vice versa. Whereas when the NPF increases, the FDR will decrease.The research method used is descriptive analytical verification by a quantitative approach. The data used is secondary data in the form of financial statements published by PT Bank BNI Syariah during the 2013-2017. Data analysis techniques used were linear regression, PPM correlation, coefficient of determination, and hypothesis testing (t test and F test) using SPSS 22.0.The conclusion obtained from this study that partially NPF has a significant effect on FDR with a determination coefficient of 56.7% and GGDP has no significant effect on FDR with a coefficient of determination of 0.2%. While simultaneously NPF and GGDP affect FDR with a coefficient of determination of 60.7%. In addition, it was found that the value of F calculated ≥ value of Ftable (12,374 3,630). This means that the estimated regression model is appropriate to explain the influence of NPF and GGDP on FDR at PT Bank BNI Syariah for the 2013-2017 period.]]>
<![CDATA[ANALISIS SWOT PADA STRATEGI PERSAINGAN USAHA MINIMARKET MADINA PURBARATU KOTA TASIKMALAYA ]]>
<![CDATA[Yayang Primadona]]>;
<![CDATA[Yusep Rafiqi]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 1 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i1.802
<![CDATA[In choosing the right competitive advantage strategy to be applied by a business,businessmen need to look at market conditions and assess their position in the market. This can be done by analyzing the business environment, both the external environment and the internal environment, usually called SWOT analysis. The purpose of this research is to formulate the most appropriate competitive strategy for to be applied in the future. In this research the author uses descriptive qualitative method with data collection techniques through interview, observation and documentation. Primary data collection is done through in-depth interviews with informants in this study, namely including Madina managers, Madina employees, Madina consumers, Madina suppliers and local governments Purbaratu Tasikmalaya. While secondary data is collected through literature studies, research journals and an overview of research objects, the structure and vision and mission of the company obtained directly from the Madina Purbaratu Tasikmalaya minimarket. The research method used is a qualitative descriptive analysis method with SWOT anlysis. From the results of the IFAS and EFAS analysis the company position is in quadrant 1. From the quadran the recommended strategy is an aggressive/progressive strategy. Then from matrix SWOT the right alternative strategy options that can be applied in Madina in the future is the SO strategy by maintaining the company’sstrengths, minimizing weaknesses and avoiding threats seen from the company’s internal and external factors analyzed through the SWOT matrix]]>
<![CDATA[FUNGSI UU NOMOR 41 TAHUN 2004 TENTANG WAKAF DALAM MEMPERKOKOH EKSISTENSI DAN STATUS HUKUM WAKAF TUNAI ]]>
<![CDATA[Agus Susanto]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 1, No 1 (2016) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v1i1.905
<![CDATA[This article is aimed to describe the functions of the Operative Act Number 41 Year 2004 about Waqf (endowment) towards cash waqf and its effect on legal status of cash waqf. There are such reasons urged The Government to intervene this religious social institution until the Operative Act Number 41 Year 2004 about Waqf was declared. This legislation has many functions such as social control and social engineering; not only solve many existing problems of waqf but to create a change constructively in society. Moreover, the legislation also plays a regulatory function which arranging waqf properties, institutionalization, and management of waqf development. It has function else such as legitimacy toward any institutions made by government. When this Operative Act was declared, status of cash waqf—which was debatable—declare legally valid based on ijtihâd fî tathbîq al-ahkâm by using ijtihâd jama`iy method. Determination of legal status of cash waqf is considered important which is closely related to public legal awareness; so that it can be impetus for the development of cash waqf.]]>
<![CDATA[PENGARUH BAGI HASIL DAN PENDAPATAN PER KAPITA TERHADAP PENINGKATAN DANA PIHAK KETIGA ]]>
<![CDATA[Lina Marlina]]>;
<![CDATA[Jajang Iskandar]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 1 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i1.798
<![CDATA[The purpose of this study is to find out how profit sharing and per capita income affectson third party funds both partially and simultaneously. The research was conducted at BankJabar Banten Syariah KCP Singaparna period 2011 - 2013. In this study the authors used thecorrelational method with a quantitative approach. Data are gained through field research,using multiple regression analysis as the test tool. The results of the study show that profitsharing, per capita income and third party funds are fluctuatively increasing as well asdecreasing; Profit Sharing partially has a significant effect on Third Party Funds; Per Capitaincome partially has a significant effect on Third Party Funds; Profit Sharing and Per CapitaIncome simultaneously have a significant effect on Third Party Funds at Bank Jabar BantenSyariah KCP Singaparna in the period 2011 - 2013]]>
<![CDATA[SPIRITUAL ENTREPRENEURSHIP DALAM PEMBERDAYAAN EKONOMI UMAT (Studi terhadap Tarekat Idrisiyah Pageningan Tasikmalaya) ]]>
<![CDATA[Dede Aji Mardani]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 2 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i2.1252
<![CDATA[This study aims to determine the pattern of intermediate application doctrine, workship or rite (dhikr) vertically and alms horizontally and their impact on empowerment community economy in a sustainable way at once to improve the quality of life of people who are decent, self-ufficient primary sector competition for people's lives. Which method used in this research is qualitative approach phenomenology. The researcher jumped directly into the field and interviewed the object of his research. The results of this study indicate that the level of leadership spirituality, doctrine and dzikir tarekat followers have an impact on acceptance and utilization and get sympathy from the community local Muslims which can influence branding, income, entrepreneurship and encourage charismatic traits for this tarekat.]]>
<![CDATA[ANALISIS PENGAMBILAN KEPUTUSAN NASABAH PEMBIAYAAN MURABAHAH PADA BMT DAARUT TAUHIID BANDUNG ]]>
<![CDATA[Asep Suryanto]]>;
<![CDATA[Adah Sa’adah]]>
<![CDATA[ JURNAL EKONOMI SYARIAH Vol 4, No 1 (2019) ]]>
Publisher : <![CDATA[Universitas Siliwangi ]]>
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DOI: 10.37058/jes.v4i1.803
<![CDATA[The objective of this research was to find out what factors underlie Daarut Tauhiid BMTcustomers in applying of murabaha financing. The research method used is descriptive research method with a qualitative approach. The data sources in this study involve primary data sources and secondary data sources. Primary data sources, namely the unit head, account officer, and members of Daarut Tauhiid BMT as murabaha financing customers at the BMT. Secondary data sources involve modules, documents at Daarut Tauhiid BMT relating to the topic of research. The data analysis techniques are through the stages of data reduction, data display and data verification. The results of the research show that the factors that could underlie customer decisions in applying The results showed that the factors underlying the customer's decision in applying of murabaha financing at Daarut Tauhiid Baitul mal wa Tamwil (BMT) were images of the Daarut Tauhiid environment, reference groups, customer needs in certain situations, supporting personal work, customer perceptions of syariah compliance]]>
