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Contact Name
Khozainul Ulum
Contact Email
jesunisla@gmail.com
Phone
+6282244470719
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jesunisla@gmail.com
Editorial Address
Jl. Veteran 53A Lamongan
Location
Kab. lamongan,
Jawa timur
INDONESIA
JES (Jurnal Ekonomi Syariah
ISSN : 25285610     EISSN : 25410431     DOI : http://dx.doi.org/10.30736/jes.v7i2
Core Subject : Economy,
The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market.
Articles 161 Documents
Pengaruh Budaya Organisasi, Lingkungan Kerja, dan Kompensasi terhadap Kinerja Karyawan Kota Mojokerto Galuh Yuliana Dewi
JES (Jurnal Ekonomi Syariah) Vol 6, No 2 (2021): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (726.858 KB) | DOI: 10.30736/jesa.v6i2.100

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Abstract: This research is quantitative research that emphasizes its analysis of numerical data (numbers) processed by statistical methods. The goal is to know if there are influence between organizational culture (X1), work environment (X2), and compensation (X3) of the employees performance in PT. BPRS Mojokerto City. The sample used in this research were 38 employees. From the results of research above can be concluded that there is positive and significant influence partially on cultural organization variables. Variable (X1) on employees performance (Y) in PT. BPRS Mojokerto City is 0.016 > 0.05 and the value of t count > t table is 2,546 > 2,028. Then, from the result test on the working environment variable (X2) against Y is 0.009 < 0.05 and the values of t count is 2.763 > 2.028. There is positive and significant partially effect of variable work environment (X2) of employees performance (Y) in PT. BPRS Mojokerto City. Then, the result of compensation (X3) effect of performance (Y) variable in PT. BPRS Mojokerto City is negatif and not significant partially. The value is 0.826 > 0.05 and t counted 0.221 < t table 2,028. At the f test counted 9,309 so that the f count > f table is 9.309 > 2.87, and the p-value (sig) counted 0.000 > less than 0.05. Thus, organizational cultural variables (X1), work environment (X2), and compensation (X3) have simultaneous effect on employees performance (Y) in PT. BPR Syariah Mojokerto City.
Dampak Pandemi Covid-19 Terhadap Sektor Riil: Telaah, Harapan dan Penentuan Arah Kebijakan Sustainable Development Goals (SDGs) dan Ziswaf Muhibbul Zibbri; Habibah Awwaliah; Lailussoma Lailussoma; Muhamad Fauzin Nur
JES (Jurnal Ekonomi Syariah) Vol 6, No 1 (2021): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (281.625 KB) | DOI: 10.30736/jesa.v6i1.115

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Abstract: Covid-19 is a virus that spreads very rapidly and has a clear impact on the areas of human life, such as health, social, economic, and religious perspective. The real impacts occurred in the economic sector are the declined economy due to the physical distancing policy for the community to do activities and the decreased public consumption which resulted in stagnant circulation of money. This is in accordance with the theory of the flow concept, money (property) must continue to flow to ensure that the economy is alive and integrated with one another, so that there is a confluence of economic circulation between the excess and the needy, and vice versa. Objectives that identify and provide recommendations that seek to support the SDG, especially the values that end all forms of society and inequality in communities affected by covid-19. This article uses descriptive qualitative methods using written sources such as the latest news, books, and research journals, as well as interview results that are relevant to the theme raised. The results of this study state that philanthropy can be an effective medium and means of supporting distribution stimulus while at the same time overcoming the impact of the spread of covid-19. This effort is also related to the application of SDG values which are oriented towards poverty alleviation and reduction of victims of malnutrition in the present or future. The suggestion that can be delivered is the cooperation between the community and the government which is assisted by the improvement of the ZISWAF Institution’s performance. It is hoped that it can optimize the realization of philanthropic funds to reduce the economic burden of victims while also applying the value of the Sustainable Development Goals (SDG). Keywords: covid-19, islamic philanthropy, Sustainable Development Goals
Faktor-Faktor yang Mempengaruhi Investasi pada Perusahaan Asuransi Jiwa Syariah yang Terdaftar di Otoritas Jasa Keuangan (OJK) Monica Aprelia Dewi; Zubaidah Nasution; Surya Setiawan
JES (Jurnal Ekonomi Syariah) Vol 6, No 2 (2021): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.655 KB) | DOI: 10.30736/jesa.v6i2.163

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Abstract: This research analyzes the effect of tabarru fund and underwriting on investment in sharia life insurance companies in Indonesia that are registered in the Financial Services Authority (OJK). The independent variables are tabarru fund and underwriting. The dependent variable is an investment. The research was conducted using ten companies that met the sample selection criteria of seven years from 2013-2019. The seventy total data are registered with the financial services authority. This research used the purposive sampling technique. The data were analyzed through SPSS as a tool. This study indicated that the tabarru fund had a significant effect on investment in Islamic life insurance companies. Partial analysis (t-test) of tabarru fund had a significant positive impact on investment in Islamic insurance companies for the 2013-2019 period. The simultaneous F significance test results for the tabarru fund and underwriting F significant variables were simultaneously 0.000 less than the 0.05 significance level. Thus it can be concluded that H0 was rejected and H1 was accepted so that the regression model tested was fit, and the independent variable (tabarru fund and underwriting) simultaneously had affected the dependent variable (investment).
Pengaruh Gaya Hidup, Label Halal dan Harga terhadap Keputusan Pembelian Kosmetik (Studi Kasus pada Produk Safi) Ayif Fathurrahman; Martyas Anggesti
JES (Jurnal Ekonomi Syariah) Vol 6, No 2 (2021): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (304.213 KB) | DOI: 10.30736/jesa.v6i2.125

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Abstract: Style development changes every year. Indonesia, where the population majority is Muslim, is now developing an Islamic lifestyle. This style development can be supported by the inclusion of halal labeling on product packaging. The halal label on the product guarantees that the product is safe for consumption or use. Muslim consumers will consider this before making a purchase indeed. Safi product is a cosmetic product that is halal and safe because they do not contain harmful ingredients. This study aims to analyze the purchasing decision of students for Safi Cosmetics at Universitas Muhammadiyah Yogyakarta and what factors influence the purchasing decision for Safi Cosmetics. This study used data from 120 people. The sample collection used the purposive sampling technique and multiple regression analysis in analyzing primary data. The analytical tool used in this study is the SPSS version 21.0 for windows software. The results obtained in this study are lifestyle variables, halal labels, and prices have a positive and significant effect on students' purchasing decisions for Safi Cosmetic at Universitas Muhammadiyah Yogyakarta. This study shows that the coefficient of determination is 0.484 or 48.4%. The decision of students at the Universitas Muhammadiyah Yogyakarta to purchase Safi Cosmetics can be shown that 48.4% is influenced by lifestyle, halal labels, and prices. Meanwhile, 51.6% is explained by other variables outside the model.
Pemberdayaan Ekonomi Perempuan Melalui Qardl al-Hasan Pada Koperasi Simpan Pinjam Wanita Maju Jaya Kebalanpelang Babat Lamongan Ahmad Ubaidillah; Misbahul Khoir
JES (Jurnal Ekonomi Syariah) Vol 6, No 1 (2021): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (270.84 KB) | DOI: 10.30736/jesa.v6i1.123

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Abstract: One of the ways to improve women’s economy is cooperatives. The basic objective of women-oriented cooperatives is to empower Indonesian women to contribute to efforts to improve the economic status and welfare of their families. This effort at the same time strengthens the independence of women so that they have strong bargaining power and can make a large contribution to the improvement of the national economy. The role of the qarḍ al-ḥasan contract in the Maju Jaya Women’s Savings and Loan Cooperative, Kebalanpelang Village, Babat Lamongan towards women’s economic empowerment from women’s businesses to create income to support their family's economy. This research is a qualitative research with an investigative pattern in which data and statements are obtained from the results of direct interaction between the researcher and the object under study and the people at the research site. The sampling technique used was purposive sampling and snowball sampling. The data collection techniques used include observation, documentation, and interviews. The data analysis technique uses the Miles and Huberman model. The results showed that the qarḍ al-ḥasan contract applied in the Maju Jaya Women’s Savings and Loan Cooperative can also improve the quality of women’s economic enterprises for the welfare of women in the village of Kebalanpelang Babat Lamongan. Because with the qarḍ al-ḥasan contract, this is one way to help and ease the burden on women who have businesses in capital problems which aim to increase their business to be better and develop than before, so that by means of increasing their business income they earn them. ownership also automatically increases so that women can help their family’s economy. Keywords: qardl al-hasan; women’s savings and loan cooperatives; income
Implementasi Manajemen Keuangan Syariah Sebagai Salah Satu Upaya Untuk Memajukan dan Mengembangkan UMKM di Indonesia Afief Mubayyin; Wahyudin Abdullah
JES (Jurnal Ekonomi Syariah) Vol 6, No 1 (2021): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.75 KB) | DOI: 10.30736/jesa.v6i1.114

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Abstract: SME is one of the pillars of the Indonesian economy. Data in 2020 shows that the number of SME in Indonesia has reached 64.2 million business units. However, it does not mean that MSME in Indonesia is far from all the problems. One of the problems experienced by SME is that many business entrepreneurs do not understand how to manage the finances and assets they get. Hence, many SME in Indonesia have gone bankrupt. This study uses qualitative methods. The data are obtained from existing scientific journals, and provided by related parties, as well as books that discuss financial management and SME. The results obtained from this study are about how SME practices simple and easy-to-understand accounting activities and applies Islamic values. On the other hand, this study explains the way SME subjects invest with limited capital and also how to get capital that is far from riba (interest). Keywords: SME; financial management; Islamic financial management
Skill Entrepreneur dalam Meningkatkan Profitabilitas Pedagang Muslim di Pasar Sumput Driyorejo Gresik Sutono Sutono; Sofia Sofia
JES (Jurnal Ekonomi Syariah) Vol 6, No 2 (2021): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (467.034 KB) | DOI: 10.30736/jesa.v6i2.168

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Abstract: Skills in the world of entrepreneurship are the characteristics, traits, knowledge, and abilities that underlie a person in working and operating everything related to the tasks being carried out so that their performance is adequate. The purpose of this study is to describe entrepreneur skills in increasing the profitability of Driyorejo Muslim traders. This study hopes to obtain a new concept about the importance of entrepreneurship skills for Muslim traders in the Sumput market Driyorejo in increasing profitability in a sustainable business. Descriptive analysis is used to describe the condition of the research object. This study is a causality study that is used to measure the strength of the relationship between two or more variables, as well as to show the direction of the relationship between the independent variable and the dependent variable or to question the cause and effect between variable X and variable Y. This is evidenced through simple regression analysis and based on the results hypothesis testing using the T-test, it is found that Ho is rejected and Ha is accepted, which means that there is an influence between entrepreneurial skills on business profitability. Based on the results of this research, entrepreneurial skills influence the profitability of Driyorejo Muslim traders, Gresik regency.
Analisis Kinerja Keuangan Bank Syariah dan Peran Kebijakan Ekonomi Islam pada Masa Pandemi Covid-19 Restu Wulan Daru; Muhammad Iqbal Fasa; Suharto Suharto
JES (Jurnal Ekonomi Syariah) Vol 6, No 2 (2021): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.767 KB) | DOI: 10.30736/jesa.v6i2.136

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Abstract: The covid-19 pandemic is an epidemic of dangerous diseases that have attacked the world, including Indonesia, resulting in death. Covid-19 has a significant impact on the development of the world economy. The current pandemic has resulted in all sectors of human life, without exception. The Islamic banking financial system is being affected by the pandemic. This research aims to analyze the financial performance of Islamic banks and the role of Islamic economic policies. This research uses quantitative analysis. This research type is based on using statistical procedures. The results show that the bank's financial performance is still healthy to face the risk of loss events during the Covid-19 pandemic. The average value of the ROA ratio is 0.88%, which means it is pretty healthy. While the average value of the ROE ratio is 5.35%, which means it is pretty healthy. Meanwhile, the average NPF ratio of 3.89% means healthy, and the average value of the BOPO ratio is 90.37%, which means it is very healthy. The solutions offered include distribution of exclusive cash donations based on zakat, infak, alms, and endowments, then through donations of superior venture capital for the business sector or Micro, Small, and Medium Enterprises, as well as through the development of Islamic financial technology.
The Analysis of Buying and Selling of Goods Without Price Tags in The Perspective of Fiqh Mu’amalah at Student Cooperative Stores of PMDG Campus Haerul Akmal; Teguh Eka Prasetya; Abdurrahman Azmi
JES (Jurnal Ekonomi Syariah) Vol 7, No 1 (2022): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (435.195 KB) | DOI: 10.30736/jesa.v7i1.206

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This research aims at finding out the practice of selling goods without price tags and the fiqh mu’amalah review on its sales at student cooperative stores of PMDG Campus. The method used in this research is descriptive qualitative which describes the various conditions, situations and social phenomena that occur. Applying the field research, this study uses the interview results with the management of student and consumer cooperatives, as a source of data collection. Based on this research, sales in student cooperatives apply the same system as in supermarkets, where the consumer takes the items he wants to buy on the storefront, then takes them to the cashier to carry out the transaction process. Since the price tag is not included, the price given by the cashier sometimes changed or unclear. Hence, it can be assumed that the sale of goods without the use of price tags in student cooperatives Store still has a light ghara>r element, which lies in pricing. Due to the absence of a price tag, the management of the student cooperative sometimes speculated on their merchandise, giving rise to ghara>r. However, the ghara>r that occurs does not happen at the core of the trade, and does not cause hostility, so the buying and selling practice in student cooperatives store is legal.
The Concept of Hedging Instrument Forward In Islamic Economic Perspective Bambang Hidayat; Ayu Rahayu Nurhalizah; Andriani Samsuri; Eka Nurjannah
JES (Jurnal Ekonomi Syariah) Vol 7, No 1 (2022): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (344.771 KB) | DOI: 10.30736/jesa.v7i1.282

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This research aims at explaining more in-depth about Islamic hedging related to the problem of muwa’adah status in Islamic hedging. The use of muwa’adah as an Islamic hedging instrument which promises to carry out transactions in the future, actually still becomes a subject of debate since there are some different opinions about whether or not it is permissible to carry out the concept of muwa’adah in a transaction. This research is descriptive qualitative research and uses qualitative data analysis, by conducting a direct analysis of the hedging scheme through the process of data reduction, data display, and verification. The results of this study reveal that in sharia hedging, swap and forward contracts should not be used, because swaps and forwards contain elements of usury. While the option contract contains speculation (maysir). If the forbidden aspects (haram) in ‘forward’ and ‘swap’ instruments are analyzed, generating al-sharf al-ajil and maysir (khathar/speculation), then the alternatives are 1) forward agreement by way of a price-fixing agreement; 2) bay’ al-iltizam; 3) bay’ al-‘urbun; and 4) al-bay’ bi al-shart.

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