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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 MANAJEMEN RISIKO PEMBIAYAAN DAN PENGELOLAAN PRODUK PPR IB MASLAHAH DI BJB SYARIAH KCP. KUNINGAN Alfarizi, Faiz Raka; Zahra, Qiny Shonia Az
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.v6i2.3716

Abstract

Housing is one of the basic human needs. Meanwhile, in fact, from the data on the number of Sharia mortgage customers at Bank Jabar Syariah, namely the PPR IB Maslahah product for the 2017-2020 period, it fluctuated and tend to decrease. In addition, it needs a good financing risk management implemented by the company. The objective of this research is to find out how the risk management of financing and product management of PPR IB Maslahah Bank BJB Syariah KCP Kuningan. This study uses premier data from interviews conducted to several employees of Bank BJB Syariah KCP Kuningan, by triangulation technique. Meanshile, the results of this study are:1). The financing risk management carried out by Bank BJB Syariah is in accordance with the Financial Services Authority Regulation (POJK) Number 65 / POJK.03 / 2016 concerning the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units as stated in article 3 in point c; 2) Management of PPR Products carried out by Bank BJB Syariah Kuningan has been implemented, however in fact they have limited authority from the headquarters.  .
Efektivitas Penyaluran Dana Zakat Infak dan Sedekah pada Badan Amil Zakat Nasional (Periode Tahun 2016-2018) Elis Nurhasanah
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.v6i1.2095

Abstract

Zakah, infaq and Shodaqa are instrument of Islamic social economics having a role in improving the welfare of ummah. The success of this is largely determined by the management of ZIS fund by thr Badan Amil Zakat Nasional. The purpose of this paper is to measure the effectiveness of ZIS fund disbursement by BAZNAS in the period 2016 to 2018. Using quantitative methods with secondary data, namely the financial statements of the audit results of BAZNAS's financial statements during that period, by adopting the calculation of the activity ratio from Puskas BAZNAS. The activity ratio is a measure of the effectiveness of the distribution of zakat, infaq and shodaqa funds. The results showed that BAZNAS during the 2016-2018 period was effective in distributing Zakat funds and was very effective in distributing Infaq shodaqa funds with the Allocation Ratio Zakat and Infaq and Shodaqa ratio of 93% and 106%. The activeness in collecting and distributing ZIS funds is still below 1, it means that the ZIS funds that are collected are not fully channeled during that period or have settled for more than 12 months, so that the ZIS turnover in the BAZNAS institution is said to be still not effective in distributing ZIS funds. Thus the performance of BAZNAS is important to improve so effective in the welfare of the people. 
TINJAUAN PENGGUNAAN E-VOUCHER PADA SISTEM PEMBAYARAN PAY-LATER DALAM PERSPEKTIF FIKIH MUAMALAH KONTEMPORER Salsabila, Nuraini; Dahliya, Silfi; Firdaus, Rivany Rida
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.4338

Abstract

Currently, the use of the marketplace as an online shopping site is not a new thing.  Effortless and varied payment systems make people turn to online shopping applications to buy their daily needs.  Not to mention that recently there was a pay later payment system with the advantage of using this system, one of which was being able to use discount vouchers or free shipping.  Thus, this article was created to discuss the law on the use of e-vouchers in pay later payment systems in online shopping transactions based on Islamic law and principles in a review of muamalah fiqh, especially in contemporary muamalah fiqh.  The research method used in this article is a qualitative research method by collecting and analyzing secondary data in the form of journals, articles, books, mass media related to the research.  The results of the discussion show that in the perspective of Islamic law, the use of vouchers for payment later is considered not under Islamic law.  This pay-later transaction uses an al-qardh contract (debt receivable) where the user will borrow the money first and pay it at the end of the month, although it is helpful due to additional fees or fines, it causes the implementation of paying later to become usury.  Thus, the use of vouchers in pay-later payments is included in usury nasi'ah because of the benefits obtained in the transaction and there is an additional loan principal if late payments.
IMPLEMENTASI RESCHEDULING, RECONDITIONING DAN RESTRUCTURING SEBAGAI UPAYA PENYELESAIAN PEMBIAYAAN BERMASALAH PADA MASA PANDEMI COVID-19 DI BRI SYARIAH KCP MOJOSARI Bariroh, Rusydah; Mukhlisuddin, Ahmad; Kusrini, Nurul Azizah Ria
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.3543

Abstract

The outbreak of the Covid-19 virus in Indonesia caused instability in the economy, therefore the OJK issued a stimulus policy for restructuring financing for banks. Non-performing Financing (NPF) at BRI Syariah is relatively low during the pandemic by implementing financing restructuring. The purpose of this study was to find out how to implement rescheduling, reconditioning and restructuring as an effort to resolve financing problems during the pandemic at BRI Syariah KCP Mojosari. The type of research used is qualitative research with the data used coming from interviews with the Branch Manager, Account Officer, and Team leader sections which are then analyzed using descriptive qualitative analysis methods with an inductive mindset that is based on specific facts for later research, organizing and analyzed so that it can be applied in general. The results of the study show that the implementation of rescheduling, reconditioning and restructuring is carried out since the customer is included in the collectability category 2 or in Special Attention (DPK). The cause of customers restructuring is due to a decrease in turnover or income due to the impact of the Covid-19 pandemic. The implementation of restructuring at BRI Syariah KCP Mojosari during the pandemic can be done in two ways, namely  rescheduling and reconditioning. Procedure for applying for customer financing restructuring by attaching a letter of application for relief without paying administrative fees
DAMPAK USAHA MIKRO KECIL MENENGAH(UMKM) TERHADAP KESEJAHTERAAN MASYARAKAT (STUDI KASUS UMKM KULINER KECAMATAN PADANG TUALANG, KABUPATEN LANGKAT) fauja, zalika
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.4372

Abstract

In terms of meeting the needs of life to be prosperous, people who have the ability and expertise open up business opportunities for the community. Efforts made to meet the needs of life include Micro, Small and Medium Enterprises (MSMEs). This research was conducted aiming to see the impact of MSMEs on the welfare of the community. The study was conducted with a descriptive qualitative approach, researchers conducted research in culinary SMEs in the Padang Tualang sub-district, Langkat Regency. The results obtained from this study say that MSMEs have a positive impact on people's welfare in terms of health, education, income, housing and communication 
IMPLEMENTASI SYARIAH ENTERPRISE THEORY PADA PROGRAM CORPORATE SOCIAL RESPONSIBILITY DI BPRS AL-MADINAH TASIKMALAYA Amelia, Ade; Suryanto, Asep; Marlina, Lina
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.4606

Abstract

Corporate Social Responsibility is one of the Indonesian government's programs to be able to build a more prosperous society. The government has high hopes with this program, the Corporate Social Responsibility program is expected to be able to help protect the environment, especially the area where the company stands. Of course, so that the program can run well and be on target, the management of the Corporate Social Responsibility program must be carried out properly, especially in terms of distribution of Corporate Social Responsibility funds which have been budgeted for by each company, especially Islamic banking. The data was taken based on internal data sources of BPRS Al-Madinah Tasikmalaya and also the results of interviews with CSR fund managers at BPRS Al-Madinah Tasikmalaya. The method used in this study is a descriptive method with a qualitative approach. With two data sources, namely primary data sources consisting of employees and secondary data sources consisting of supporting documents, working papers and photos obtained from the field. The data collection techniques used were interviews, observation and documentation. With the research instrument, the researcher himself is the main instrument in the study, observation guidelines and interview guidelines.The results of this study are that the Al-Madinah BPRS is sufficient to meet the criteria for disclosure of social responsibility reports when viewed based on Sharia Enterprise Theory, although there are still those who do not meet Sharia Enterprise Theory such as the absence of distribution of CSR funds for the environment. However, in reporting CSR funds for the Al-Madinah BPRS community, it meets the criteria for Sharia Enterprise Theory, because in its distribution, the Al-Madinah BPRS Tasikmalaya prioritizes CSR funds to be distributed to the surrounding community.
PENGARUH PENGETAHUAN ZAKAT, PENDAPATAN, KEPERCAYAAN, KUALITAS PELAYANAN TERHADAP MINAT APARATUR SIPIL NEGARA (ASN) MEMBAYAR ZAKAT PROFESI MELALUI BAZNAS KABUPATEN DEMAK Fitriyani, Lailatul; Irkhami, Nafis
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.3073

Abstract

The purpose of this study is to determine the influence of Zakat knowledge, income, trust, and service quality on the interest of State Civil Servants (ASN) to pay professional zakat through Baznas Demak Regency in 2021. The type of research used in this study is field research using a quantitative research approach. The data collection method was carried out through a questionnaire which was distributed to ASNs in the Demak Regency. Samples were taken as many as 100 with the purposive sampling technique. The data obtained then processed using the IMB SPSS 19 tool. This analysis includes the validity test, reliability test, normality test, heteroscedasticity test, multicollinearity test, multiple linear regression analysis, Ftest test, T-test test, and determinant coefficient test (R2). Based on the results of the T-test test, it shows that the variables of Zakat knowledge, income, and service quality have a positive and significant effect on the interest of ASN to pay professional Zakat through Baznas Demak Regency. On the other hand, the trust variable has a positive and insignificant effect on the interest of ASN to pay professional Zakat through Baznas in Demak Regency. The results of the F-test test show that the variables of  Zakat knowledge, income, trust, and service quality together affect the interest of ASN to pay professional Zakat through Baznas in Demak Regency.
PERAN PENDISTRIBUSIAN DANA ZAKAT TERHADAP PENGETASAN KEMISKINAN DI INDONESIA mulyadi, sandi
JURNAL EKONOMI SYARIAH Vol 7, No 1 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i1.4421

Abstract

Poverty is a social, economic and political problem faced by Indonesia. The Central Statistics Agency reported that the percentage of Indonesia's poor population in 2019 was 9.41%, equivalent to 25.14 million people. Zakat is one of the Islamic social finance instruments which has an important role in poverty alleviation efforts. The Indonesian government through the National Zakat Agency (BAZNAS) has issued various programs in an effort to alleviate poverty in Indonesia. This study aims to test the effectiveness of the zakat fund distribution programs by BAZNAS on poverty levels in Indonesia. This research uses OLS (Ordinary Least Square) method. Research using Secondary Data in the form of Monthly data for the period 2011-2019. This study found that zakat distribution programs in the social and educational sectors have a significant negative effect on poverty levels in Indonesia.
Pemberdayaan Zakat dalam Program Angkringanmu Perspektif in Kind Models Studi LAZISMU Kota Magelang Putri, Endah Pratika Hasto; Maftuh, Agus Muhammad; Rahayu, Fidaul Lely Puji; Ardianto, Yusuf; Triyanto, Andi
JURNAL EKONOMI SYARIAH Vol 7, No 2 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i2.4560

Abstract

This article analyzes the empowerment of zakat as a social instrument with implications for alleviating poverty. This study aims to explore the empowerment of zakat in the AngkringanMU program from the perspective of in kind models as well as the economic impact and benefits of zakat on mustahik. This research uses a qualitative approach with the type of case study. The primary data sources used are management bodies, coaches, LAZISMU partners and AngkringanMU customers. Methods of data collection using interviews, observation, and documentation. The instruments used were interview guidelines, observation guidelines, and document scrutiny sheets. The validity of the data used triangulation of sources, time, methods, and the extension of the research time. Data analysis used qualitative analysis with data collection, data reduction, and conclusion. The results of the study reveal that LAZISMU Magelang City has implemented in kind models in terms of empowerment: 1) Production equipment and cash as initial business capital, 2) Monitoring for mustahik, 3) Direct monitoring for mustahik, 4) Giving infaq boxes to mustahik. The AngkringanMU program has an economic impact on mustahik, as follows: 1) Income: partners have a source of income every month, there is a 25% increase in monthly income. 2) Welfare: partners fill in the infaq box, although it is not mandatory. 3) Networking: a discussion forum once a month is a place to share business development strategies. 4) Spirituality: a forum for friendship, making partners more religious and understanding their obligations for the sustenance that is zakat.Keywords: Empowerment; LAZISMU; AngkringanMU; In kind models
Perbandingan Mekanisme Penentuan Ujroh Pembiayaan Gadai Emas Syariah di Bank BJBS dan Bank BSI Wijaya, Trisna; Nasrulloh, Agus Ahmad
JURNAL EKONOMI SYARIAH Vol 7, No 2 (2022): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v7i2.5684

Abstract

Gold pawn financing is one of the financing that the public is interested in. the gold pawn financing has a lower risk than other financing product, because the collateral has been held by creditor, stable gold price and gold price tend to rise. With a low risk profile, several Islamic financial institutions are interested to provide this financing product, including BJB Sharia Bank and BSI Bank. The profit taken by the bank named ujrah. BJB Shariah Bank dan BSI bank has a different mechanism to calculate the ujrah. The rules regarding sharia gold pawn financing have been regulated in fatwa DSN-MUI number 25 in 2002 about rahn and number 26 in 2002 about gold rahn. This regulation should be used as the guideline for financial institutions that provides gold pawn financing.

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