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JURNAL EKONOMI SYARIAH
Published by Universitas Siliwangi
ISSN : 25485032     EISSN : 2714769X     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
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
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 115 Documents
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Analisis Pengaruh Inflasi, Produk Domestik Bruto dan Bagi Hasil terhadap dana pihak ketiga Bank Umum Syariah tahun 2014-2019 Sugiharti, Eliana Siti; Wulandari, Neni Sri; Al Adawiyah, Rumaisah Azizah
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.2557

Abstract

Dana Pihak Ketiga Bank Umum Syariah mengalami fluktuasi dan meningkat, pertumbuhan total aset di Indonesia mengalami perlambatan dan dana pihak ketiga merupakan komponen utama aset. Semakin besar dana pihak ketiga maka semakin besar pula aset perbankan. Maka posisi dana pihak ketiga menjadi penting dalam perkembangan aset perbankan. Penelitian ini bertujuan untuk melihat gambaran serta pengaruh Inflasi, Produk domestik bruto dan Bagi Hasil terhadap Dana pihak ketiga Bank Umum Syariah di Indonesia tahun 2014-2019. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif. Sampel penelitian berjumlah delapan Bank Umum Syariah yang diperoleh berdasarkan purposive sampling dengan periode penelitian selama enam tahun penelitian. Data yang digunakan adalah data sekunder. Metode yang digunakan analisis regresi data panel dengan  Eviews 9. Hasil penelitian ini menunjukkan bahwa produk domestik bruto berpengaruh terhadap dana pihak ketiga, inflasi tidak berpengaruh terhadap dana pihak ketiga dan Bagi hasil tidak berpengaruh terhadap dana pihak ketiga. Hal yang dapat dilakukan Bank Syariah dalam meningkatkan Dana Pihak Ketiga yaitu meningkatkan kinerja dalam pelaksanaan kegiatannya dan memberikan pembiayaan kepada sektor riil sehingga pendapatan masyarakat dapat meningkat dan masyarakat dapat menyisihkan sebagian pendapatan untuk saving.
Perspektif Ekonomi Syariah Di Indonesia Tentang Riba, Bunga Bank, dan Bagi Hasil Hisam Ahyani
JURNAL EKONOMI SYARIAH Vol 6, No 1 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i1.2538

Abstract

Introduction / Main Objective : This study aims to reveal the existence of community conceptions related to profit sharing (Sharia economics), usury, bank interest (conventional), in terms of Islamic economics, where these 3 (three) things are unique and interesting if we discuss in the era of disruption like today. Background: The era of discipline 4.0 as it is now is very interesting and unique regarding the study of the prohibition of usury in Indonesia, what is unique is the Khilafiyah which is the basis for especially Muslims (sharia economic actors), the need for tolerance between the views of schools of thought in Indonesia regarding this usury in sharia economics (muamalah) in order to benefit together in this world and in the hereafter. Research Methods: This study uses the Library Research Method and collects data obtained by means of literature studies from books and journals relevant to studies on usury and bank interest (conventional), profit sharing (Islamic economics).Novelty: Related to research on the perspective of Islamic economics in the current era of disruption, especially in Indonesia regarding usury, and bank interest (conventional), as well as profit sharing (Islamic economics) so far no one has examined it.Findings: from a sharia economic point of view related to profit sharing, usury and also bank interest have a good impact on the economy in Indonesia, where the profit sharing system can help people in terms of social resilience, and overcome social inequalities (making tahsin / benefit of the ummah).Conclusion: The public, in their view of usury, bank interest and profit sharing within the Islamic economic community, requires tolerance in punishing these three things, as a result there is no "bank interest" in the Shariāh economic sphere (replaced by profit sharing), which is currently being shared. this outcome (Islamic economics) is seen as an effective measure to prevent conflict in gaps in dealing with impacts on the Economy and Social Affairs, as well as resilience to the community environment.
FASILITAS DAN SISTEM KOMPENSASI DAMPAKNYA PADA KINERJA KARYAWAN DI BANK BJB SYARIAH KCP. KUNINGAN Apriyani, Regi Destanti; Rahmat, Biki Zulfikri; Nasrulloh, Agus Ahmad
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.3738

Abstract

Good employee performance will be achieved if you pay attention to what factors can influence it. The case that occurred at Bank BJB Syariah KCP Kuningan was that employees complained about work facilities and the compensation system. The method used in this study is a descriptive method with a qualitative approach. With two data sources, namely primary data sources consisting of leaders and all employees at Bank BJB Syariah KCP. Brass and secondary data sources consisting of documents both in writing and photos at Bank BJB Syariah KCP. Brass. Data collection techniques used are interviews, observation and documentation. The research instrument is the researcher himself as the main instrument in the research, observation guide and interview guide. The results showed that the facilities provided by Bank BJB KCP. Kuningan is inadequate, the internet network is often disturbed, the lack of operational vehicles, the parking area is not large enough, thus disrupting employee performance. As for compensation, the institution has given it fairly and fairly well in accordance with existing regulations. Both of these things certainly have an impact on employee performance, so that it can be said that the failure of the BJB Syariah Bank, Kuningan Sub-Branch Office, has not been able to meet the needs to improve employee performance.
Determinan Pembiayaan Musyarakah Pada Perbankan Syariah Di Indonesia Teguh Permana; Andriani Puspitaningsih
JURNAL EKONOMI SYARIAH Vol 5, No 2 (2020): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v5i2.2041

Abstract

The results showed that third party funds, profit sharing rates, and problematic financing had a significant effect on musharaka financing, while inflation was not significant. Third party funds have a positive effect, while the profit sharing rate and problematic financing have a negative effect on musyarakah financing. Research also shows that there are different interceptions between BUS / UUS and BPRS where the BPRS intercept is greater than the BUS / UUS intercept. This shows that BPRS are more attractive to the public than BUS / UUS. The findings of this study imply that to increase the capacity of musharaka financing, efforts to increase community savings in third party funds are needed, promote a fair / appropriate profit sharing rate, and control problematic financing.Keywords: musharaka, dpk, profit sharing, financing problems, inflation.
ANALISIS MANAJEMEN RISIKO PRODUK PEMBIAYAAN GADAI EMAS SYARIAH DI BANK BJB SYARIAH KCP SUMEDANG Indri Dwi Mutiara; Trisna Wijaya; Asep Saepulloh
JURNAL EKONOMI SYARIAH Vol 6, No 1 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i1.2840

Abstract

Bank BJB Syariah Kantor Cabang Pembantu Sumedang menawarkan berbagai produk yang dibutuhkan oleh masyarakat seperti produk pembiayaan, produk pendanaan, dan produk jasa. Salah satu produk pembiayaan yang ada di bank BJB Syariah Kantor Cabang Pembantu Sumedang ialah Mitra Emas iB Maslahah adalah produk qardh beragun emas dimana bank memberikan fasilitas pembiayaan kepada nasabah dengan agunan berupa emas.Penelitian ini bertujuan untuk mengetahui apa saja risiko yang dialami pembiayaan produk gadai emas dan bagaimana proses pengelolaan risiko yang dilakukan Bank BJB Syariah KCP Sumedang dalam produk pembiayaan gadai emas syariah. Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan pendekatan deskriptif. Data diperoleh dengan metode wawancara, observasi, dan dokumentasi. Uji kredibilitas data menggunakan uji kredibitas data trianggulasi. Sedangkan teknik analisis data menggunakan : Reduksi data, penyajian data, dan penarikan kesimpulan.Jadi berdasarkan analisis risiko pembiayaan gadai emas Syariah di Bank BJB KCP Sumedang risiko yang paling tinggi ialah Risiko Pasar, Risiko Operational, dan Risiko Srategik. Sedangkan risiko kepatuhan, risiko hukum, risiko kredit, risiko reputasi dan risiko likuiditas mempunyai risiko yang rendah. Penerapan manajemen risiko Bank BJB Syariah KCP Sumedang secara keseluruhan berjalan efektif tetapi masih harus diperbaiki untuk menanggulangi risiko yang melekat pada pembiayaan gadai emas.
E-Wallet: Sistem Pembayaran Dengan Prinsip Hifzul Maal Rohmatun Ni'mah; Indah Yuliana
JURNAL EKONOMI SYARIAH Vol 5, No 2 (2020): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v5i2.2016

Abstract

Millennials, the development of technology and information have an impact on various systems are no exception to the payment system. Especially in the payment system, technological advances are able to shift the role of cash and electronics wallet (e-wallet) emerged as a payment instrument capable of making payment processes faster, easier, efficient, and safer. Although it has many benefits and advantages, the suitability of e-wallet with maqashid syariah in hifzul maal still needs to be discussed. Conformity with the sharia maqashid is very important to determine whether the e-wallet is in accordance with hifzul maal or not. The method used in this study is a qualitative method with the type of library research. From the results of the study, it was generally obtained e-wallet was in accordance with maqashid syariah. This suitability is obtained by fulfilling the principle of preserving wealth and benefit. However, e-wallet is considered not in accordance with hifzul maal because this e-wallet is still prone to technological crime, and waste can occur because one person can have more than one e-wallet account.
Pengaruh Kesadaran Halal Dan Gaya Hidup Terhadap Keputusan Pembelian Konsumen Muslim Pada Restoran Jepang Di Jakarta Nurfajrina, Alifah; Handayani, Tati; Sari, Lili Puspita
JURNAL EKONOMI SYARIAH Vol 6, No 2 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i2.3897

Abstract

This study aims to determine and analyze the factors of halal awareness and lifestyle on the purchasing decisions of Muslim consumers at Japanese restaurants in Jakarta using a quantitative approach. The population selected in this study were Muslim consumers who had visited a Japanese restaurant located in the Jakarta area. For the number of samples in this study using as many as 150 Muslim consumers of Japanese restaurants in the Jakarta area. The sampling instrument in this study was obtained from distributing questionnaires. The analytical technique used to determine the magnitude of the effect is multiple linear regression. The data processing tool used for data analysis in this research is SPSS software version 20. The results of the tests carried out show that the variables of halal awareness and lifestyle partially and simultaneously have a significant effect on purchasing decisions of Muslim consumers at Japanese restaurants in Jakarta.
Pengaruh Biaya Operasional, Dana Pihak Ketiga Dan Non Performing Financing Terhadap Tingkat Margin Pembiayaan Murabahah Pada Bank Umum Syariah Di Indonesia Hasbi Assidiki Mauluddi
JURNAL EKONOMI SYARIAH Vol 5, No 2 (2020): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v5i2.2190

Abstract

Penelitian ini ingin mengetahui pengaruh dari biaya operasional, dana pihak ketiga serta non performing financing terhadap tingkat margin pembiayaan murabahah. Penentuan tingkat margin pembiayaan ini sangat penting karena menyangkut keuntungan yang akan diperoleh perbankan Syariah. Data yang digunakan pada penelitian ini adalah data sekunder yaitu berupa laporan bank umum Syariah dari tahun 2015 sampai tahun 2019. Data berbentuk time series yang diuji dengan analisis regresi berganda. Setelah dilakukan perhitungan menggunakan SPSS 26 dihasilkan bahwa BOPO, DPK dan NPF berpengaruh signifikan terhadap tingkat margin pembiayaan murabahah. Secara simultan variabel bebas memiliki kontribusi sebesar 86,2% sedangkan sisanya 13,8% dipengaruhi oleh faktor lain. Secara parsial hanya pengaruh DPK yang signifikan terhadap tingkat margin pembiayaan murabahah. Sedangkan variabel BOPO dan NPF tidak memiliki pengaruh signifikan terhadap tingkat margin pembiayaan murabahah karena nilai α berada di atas 0,05.
Digitalisasi Ekonomi Syariah Penerapan Hukum-Hukum Islam Dalam Jual Beli Online Safira Dhea Fitriani; Margi Rizki Satriana M; Titin Retnosari; Nur Rohmawati
JURNAL EKONOMI SYARIAH Vol 6, No 1 (2021): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v6i1.2542

Abstract

Technological developments have penetrated into all fields, including buying and selling. In the past, buying and selling activities required sellers and buyers to meet face to face to reach an agreement, in contrast to the current era where technology is increasingly advanced where sellers and buyers do not have to meet in person but the buying and selling process can still take place. This activity is commonly referred to as buying and selling online, where the process takes advantage of the internet network. In Islam this is something new, but that does not mean that this activity is prohibited, as long as it does not violate Islamic principles. This study tries to identify the implementation of Islamic principles in online buying and selling activities both from the products sold and the transaction process. This study uses qualitative research by taking informants from online business owners in Banyuwangi, Gresik and Kediri by indirect interview. The result of this study was all online business actors did tried applying Islamic sharia in the practice of transaction by social media as Whatsapp, Instagram and Facebook and e-marketplace.Keywords: Buying and selling online, Islamic principles.
Peran Wakaf Sebagai Islamic Social Finance Dalam Pemberdayaan Pondok Pesantren Tahfidz Al Maa Parung Bogor Iwan Permana; Gina Sakinah
JURNAL EKONOMI SYARIAH Vol 5, No 2 (2020): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v5i2.1991

Abstract

Kondisi pesantren saat ini masih terdapat pesantren yang minim dalam sumber penerimaan dana, sehingga membuat pengeluaran pesantren lebih besar dari pada penerimaan yang salah satunya adalah Pesantren Tahfidz Qur`an Al-Maa Parung Bogor. Pesantren belum memiliki sumber penerimaan dana yang luas karena pesantren berbasis gratis. Tujuan penelitian ini adalah untuk mengetahui peran wakaf dalam pemberdayaan pondok pesantren tahfidz al maa parung Bogor.       Jenis penelitian yang digunakan adalah kualitatif dengan analisis data deskriptif. Teknik pengumpulan data berasal dari wawancara pada perwakilan pengelola pesantren tahfidz al-maa parung Bogor. Tahapan penelitian meliputi 1) literature review terkait wakaf dan pengelolaan pesantren dari beberapa penelitian terdahulu; 2) perumusan masalah penelitian; 3) penyusunan metode dan instrumen penelitian; 4) analisis data dan 5) penarikan kesimpulan.       Hasil dari penelitian ini adalah wakaf sebagai Islamic Social Finances dapat membantu untuk memberdayakan pesantren, khususnya pesantren tahfidz al-maa parung Bogor melalui penerimaan wakaf sebagai sumber dana, yang dapat berupa wakaf tanah, wakaf uang, wakaf kendaraan dan sebagainya. Aset wakaf dapat dikelola secara produktif dan dimanfaatkan bagi pesantren. Tentunya agar dapat berjalan dengan baik dibutuhkan pengelola yang kompeten

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