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JES (Jurnal Ekonomi Syariah
Published by Universitas Islam Lamongan
ISSN : 25285610     EISSN : 25410431     DOI : http://dx.doi.org/10.30736/jes.v7i2
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 161 Documents
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Bank Wakaf Mikro dan Strategi Baru Penguatan UMKM Berbasis Keuangan Inklusif Muhammad Aladdin Hanif; Annisa Maulidia Alfian; Muhammad Zacky Dzulfikar; Darwanto Darwanto; Mochammad Ardani
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.509 KB) | DOI: 10.30736/jes.v7i2.281

Abstract

The level of financial inclusion in Indonesia is 76,19%. It indicates that there are still many groups of people who have not received financial services. Economic empowerment and financial services at the micro level are easier and more accessible through microfinance institutions (MFIs). One of MFIs developed based on sharia principles is the Bank Wakaf Mikro (BWM). This study aims at improving the strategy for the role of BWM in financial inclusiveness and to support the economy from the MSME level. The method used is SWOT analysis by considering the internal and external factors that exist in BWM. The factors obtained through in-depth interviews with BWM leaders are processed quantitatively. The results show that BWM is still in the Stable Growth stage, because it has added value on weaknesses and opportunities. Strategies that can be implemented include collaborating with external agencies and simplifying regulations in BWM operations.
Analysis of Religiosity and Halal Labels Towards Purchasing Decision on Cosmetic Products (Study on Regular Female Student of The University of Darussalam Gontor) Zulfatus Sa'diah; Milenia Ayu Saraswati; May Shinta Retnowati
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (502.928 KB) | DOI: 10.30736/jes.v7i2.360

Abstract

This research aims at analyzing religiosity and halal labels toward purchasing decision's regular female students of University of Darussalam Gontor on a cosmetic product. The study uses quantitative methods with an explanatory approach. Then data analysis techniques using Structural Equation Modelling (SEM) is Partial Least Squares (PLS) with the help of Smart PLS version 3.2.9. to answer hypotheses. The first stage in the study was testing the validity of each variable question with its reliabilities. The second one verifying the combination between religiosity and halal labels toward purchase decisions on cosmetic products among regular female students of University of Darussalam Gontor. The results showed that halal labels influenced purchasing decisions by 68%, while the remaining 32% were influenced by another exogenous outside of the studied variables. The religiosity partially has a positive but insignificant effect on purchasing decisions. Whereas the halal labels partially have a positive and significant effect on purchasing decisions.
Pengaruh Flypaper Effect Pada Dana Alokasi Umum dan Pendapatan Asli Daerah Terhadap Belanja Daerah Provinsi Lampung Tahun 2016-2019 dalam Perspektif Ekonomi Islam Herlina Kurniati; Yulistia Devi
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (392.566 KB) | DOI: 10.30736/jes.v7i2.365

Abstract

Many Regionals Government in Indonesia still rely on DAU allocations to finance regional expenditures and development without optimizing the potential of the regions. When DAU allocation obtained is large, the regions will try to keep DAU in the next period at the nominal value. PAD is able to finance local government at a maximum of 20%. This fact has led to asymmetrical behavior in local government. The regional government responds to the transfer of funds in the form of balancing funds, especially DAU which is realized in the regional budget. As regional spending is greater than the transfer, it is called the flypaper effect. The method used in this research is descriptive quantitative analysis method using panel data regression. The data analysis with regression uses the Eviews 9.0 program. The data used in this research use panel data with independent variables, namely General Allocation Fund (DAU) and Regional Original Revenue (PAD). The dependent variable is Regional Expenditure. The results of this study are: 1) General Allocation Funds have no effect on Regional Expenditures; 2) Regional Original Revenues affects Regional Expenditures; 3) General Allocation Funds and Regional Original Revenues simultaneously affect Regional Expenditures; 4) There is no Flypaper Effect in Regency/City Government of Lampung Province 2016-2019; 5) Regional Expenditures of Lampung Province is not compatible with the Islamic economic perspective.
Analisis Efisiensi Asuransi Jiwa Syariah di Indonesia dengan Pendekatan Stochastic Frontier Approach (SFA) Rosyidatur Rohmah; Zubaidah Nasution
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.043 KB) | DOI: 10.30736/jes.v7i2.312

Abstract

This study aims to analyze the efficiency level of Indonesian sharia insurance with a parametric stochastic frontier approach where the input is total assets and claims, and the output of this research is investment income. This study uses quantitative methods with secondary data in the form of shariah insurance Indonesia annual reports 2016-2020. The data analysis uses a regression test with the help of stochastic frontier approach (SFA). Based on the results of processing using stochastic frontier approach (SFA), Indonesian Sharia insurance's overall production efficiency level is known to be 0.8187 or 81.87%. Partially, Indonesian sharia insurance total assets and claims have an insignificant negative effect on investment income.
Efektifitas Penyaluran Zakat Produktif dalam Bentuk Bantuan Modal Usaha terhadap Kesejahteraan Mustahik dengan Pendekatan Metode CIBEST Muhammad Bayu Dwie Saputra; Clarashinta Canggih
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.418

Abstract

This research aims at analyzing the impact of Productive zakat distribution on one's spiritual and material aspects. The impact is measured using the CIBEST technique which will produce spiritual value (SV) and material value (MV). This research aims at analyzing and cognizing its effectiveness perceived by mustahiq. The process is conducted by classifying it based on the quadrants in the CIBEST calculation technique, before or after giving productive zakat in the form of business capital assistance as one of  Surabaya Infaq Management Institute (LMI). The research uses descriptive quantitative research method with 24 households as respondents. The results show that the provision of productive zakat in the form of business capital assistance has positive and effective impact on the economic and spiritual aspects of mustahiq with an increase from quadrant II to quadrant I.
Muhammad Baqir Al-Shadr’s Thoughts in Building A Fair Economic System Nasrudin Nasrudin; Ani Fatimah Zahra Saifi
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.429

Abstract

This study aims at analyzing and exploring Muhammad Baqir Al-Shadr's thoughts on the fair economic system. This study uses a descriptive qualitative approach, with document review. The results of this study conclude that the economic problem does not lie in the production or scarcity of resources, but rather due to the problem of unequal and unfair distribution as a result of the economic system allowing the exploitation of the strong against the weak. In addition, Baqir Al-Shadr argues that the Islamic economic system must be more comprehensive, in-depth and rooted in Islamic justice values.
Analisa Hukum Multiakad pada Layanan Jasa Go-Food (Studi Kasus pada Go-Jek Cabang Pasuruan) Syarifah Fatimah Alattas
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.457

Abstract

In this current era, the world is experiencing tremendous progress in technology and innovation. The presence of Go-Food fiture in Go-Jek application as a beneficial digital platform is welcomed enthusiastically by the community. Moreover, there are some arguments related to the prohibition of hybrid-contracts which are used in Go-Food transaction. For this reason, this study aims at determining the contract scheme for Go-Food services at the Go-Jek Pasuruan branch and how the argumentations of several contemporary fiqh scholars regarding the hybrid-contract laws are. This study uses a descriptive-qualitative method with a field research and library research approach. As a result, researchers found that the Go-Food transaction scheme in Pasuruan regency  used hybrid contracts namely wakalah bil ujrah – qardh. In addition, there are different opinions among fiqh scholars according to this issue. The different opinion (khilafiyah) between the scholars is a necessity and common thing in responding fiqh cases based on Al Quran and Hadits, including Go-Food transactions. In this case, the author chooses to be in line with the argumentation that allows the use of Go-Food services based on the arguments presented by the ulama and fatwas that have been issued by the MUI.
The Effect of Pick-up Service Savings on Customer Loyalty of BPRS Bhakti Sumekar Pragaan Branch Office Moderated Customer Satisfaction Moh. Helmi Hidayat; Kholifatul Hasanah; Iqbal Rafiqi
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.443

Abstract

This research is a quantitative research by using multiple linier regression analysis and interaction analysis (MRA). The method of data collection uses a questionnaire. The goal of this research is to analyze the effect of barokah savings pick-up service and customer satisfaction on customer loyalty of BPRS Bhakti Sumekar Pragaan Branch Office. It also analyzes the relation of barokah savings pick-up service on customer loyalty of BPRS Bhakti Sumekar Pragaan Branch Office moderated by customer satisfaction. The results of multiple linear regression analysis show that the p-value of the pick-up service variable is 0.111 > 0.05, and customer satisfaction is 0.001<0.05, Based on the results of the MRA test, the p-value of interaction variable between the pick-up service and customer satisfaction is 0.009 < 0.05. These results mean that the barokah savings pick-up service has no significant effect on customer loyalty at BPRS Bhakti Sumekar, customer satisfaction has a significant influence on customer loyalty BPRS Bhakti Sumekar Pragaan Branch Office. Customer’s satisfaction, however, can moderate the interaction between the savings pick-up service and customer loyalty. Thus, for increasing customer loyalty on the firm, the employees have to pay attention to the service provided and try to provide it according to what is communicated to the costumers.
Rekonstruksi dan Reposisi Nurcholish Madjid Sebagai Ekonom Islam Indonesia Ahmad Ubaidillah; Misbahul Khoir
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.527

Abstract

The books of contemporary Islamic economic thought history circulating in Indonesia are dominated by Islamic economic thinkers or Islamic economists who come from abroad. Indonesian Islamic economists are hardly included in the literature. Indeed, there are quiet a few Islamic economic figures from Indonesia who are included. Researchers usually study Islamic economic thinking from a figure who is already commonly known as an Islamic economist. This means that the figure has researched and written a number of works specifically discussing Islamic economics. This paper aims at elaborating Nurcholish Madjid’s Islamic economic thought. This study applies qualitative that produces descriptive data in the form of written or spoken words from people and observable behavior which aims to explain and test the truth of an economic knowledge based on Islamic values. Sources of data used in this study are primary data sources and secondary data sources. The analytical method used in this research is hermeneutics. The results of the study show that there are several ideas of Nurcholish Madjid’s Islamic economics: economic justice, religious socialism, riba economics, business ethos, and business spirituality.
Falsafah Ekonomi Imam Al-Ghazali: Antara Sufisme dan Rasionalisme Ayif fathurrahman
JES (Jurnal Ekonomi Syariah) Vol 8, No 1 (2023): Maret
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jes.v8i1.490

Abstract

The article aims to understand the basis of Imam al-Ghazali’s economic thought. There are two streams studied, namely rationalism and sufism which are thought to influence Imam al-Ghazali’s economic thought. In this article, it is concluded that the philosophy of economic thought of Imam al-Ghazali knows no dichotomy between the world perspective and the hereafter ones. The point of view that was used did not stop at the worldview, but succeeded in containing Islamic values, which were oriented to the afterlife. In other words, Imam al-Ghazali’s economic thought is not only based on the aspect ratio, but is also controlled by ethics and moralilty. The ukhrawi's point of view that emphasized by Imam al-Ghazali serves as a lighter in economic activities based on ethics and morality. Because the nature of the economy is only one way to achieve a better life later in life. Imam al-Ghazali’s concept of the purpose of human life that focuses on the happiness of the hereafter, does not mean he rejects the happiness of the world. But according to him, the happiness of the world is majazi, while the happiness of the afterlife is intrinsic. In other words, Imam al-Ghazali succeeded in placing Islamic thought outside of Greek rationalist thought, but on the other hand, it also succeeded in melting mysticism in the sufi world.

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