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JES (Jurnal Ekonomi Syariah

jes
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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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Permintaan, Penawaran Dan Keseimbangan Harga Dalam Prespektif Ekonomi Mikro Islam M. Dliyaul Muflihin
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

In general, we believe that humans are social creatures with the need to complement each other’s lives, with each other's unlimited desires. While a Muslim is only allowed to consume halal and good. In Islamic teachings, illicit goods for consumption are not allowed to be made the basis of buying and selling or other transactions. In the demand and supply curves of Islam there are restrictions that must be done as a Muslim which is used as a basis for economic behavior. These restrictions are prohibited from making mafsadah, gharat, maisir, usury. This paper will answer the question how is the demand, supply and price balance in the perspective of Islamic microeconomics. The results of research shows that the concept of demand and supply in Islamic Islam aims to obtain prosperity or victory in the hereafter (falah) as a derivation of the belief that there is an eternal life after death, namely the after life, so that the existing budget must be set aside as provisions for the afterlife, such as alms and zakat. This means that there is a significant difference between conventional demand theory and Islamic demand theory. In conventional economics, consumers and producers have motivations that are dominated by the values of satisfaction, but in Islamic economics emphasizes only the level of need. The Islamic price balance mechanism in Islam is determined by the balance between demand and supply. This means that the price balance in the market is formed naturally, not because there is interference from the capitalist who can distort the market. This shows that the price regulation is left to the natural impersonal market mechanism. Keywords: Demand, Supply, Islamic perspective

Peran Badan Wakaf Indonesia (BWI) Dalam Mengembangkan Prospek Wakaf Uang Di Indonesia Muhammad Aziz
JES (Jurnal Ekonomi Syariah) Vol 2, No 1 (2017): Maret
Publisher : Universitas Islam Lamongan

Since established in 2007, Indonesian waqf Board (BWI) which is based upon the mandate of Law No. 41 of 2004 on waqf has had a significant role in the dynamics of waqf management in Indonesia. However, a significant role still has not been completed. The problems of waqf in Indonesia still exist, especially with regard to waqf money (cash waqf). The study is to answer question; how is the role of Indonesian Waqf Board and any effort which should be done, so that the potential of existing cash waqf in Indonesia can grow and develop. From this research, it can be concluded that the role of Indonesian Waqf Board in developing prospects in Indonesia is less maximal. Waqf money can not be mapped on the following things; First, professional nazhir coaching, particularly against individuals or legal entities who are given authority and responsibility as nazhir of money waqf. To improve the quality of human nazhir resources, it can be needed policies that are tentative, or even a steady, so that taste and look for nazhir usefulness. Second, involving strategic business partners engaged in financial services (especially sharia-based), such as banks, cooperatives, Baitul Maal wal Tamwil (BMT) and the like, in the process of promotion and dissemination of money waqf that is being developed by BWI. All that prospects and public confidence in the waqf money at BWI can flourish. Keywords: Cash Waqf, BWI, Nazhir, Law of the RI Number 41 of 2004 on Waqf

Analisis Fatwa DSN-MUI Nomor 25/III/2002 Terhadap Penetapan Ujrah Dalam Akad Rahn Di BMT UGT Sidogiri Cabang Waru Sidoarjo M. Zainuddin Alanshori
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

Sharia financial institutions are financial institutions that not only prioritize profit oriented, but also a financial institution that also puts the public good in accordance with the demands of sharia which is the foundation of all Islamic financial institutions. One application is to implement a moral and spiritual based service. This field research will answer the question. First, how is application of ujrah determination in contract of rahn in BMT UGT Branch Sidogiri Waru Sidoarjo? The second, how is the analysis of the DSN-MUI fatwa NUMBER 25/III /2002 on the determination of ujrah in the contract of rahn in BMT UGT Branch Sidogiri Waru Sidoarjo? Data collection techniques used are interview, document review, and observation, then analyzed by using descriptive analysis method, with deductive thought pattern, that is theory of rahn, ijarah, and fatwa of National Sharia Council (DSN) with general characteristics and then linked with the facts on the ground about the fatwa of DSN-MUI NUMBER 25/III/2002 on the establishment of ujrah in the contract of rahn in BMT UGT Branch Sidogiri Waru Sidoarjo with special characteristics. From the results of the study, the author concludes the application of the determination of ujrah in the covenant of rahn in BMT UGT Branch Sidogiri Waru Sidoarjo, namely the determination of ujrah through two contracts, namely rahn and ijarah contract. The procedures for the implementation of the contract are as follows: Rahin (customer) comes to murtahin (BMT) while delivering marhun (collateral goods) then the goods will be estimated. As a result of this, the rahin will be subject to administrative costs. Then rahin signs the agreement or contract of rahn. After that, to entrust the goods hock, rahin must implement contract of ijarah (contract to rent place). Consequently it arise ujrah. In this case, it means that customer must implement two barrage of contract. The determination of ujrah applied in BMT is not in accordance with the Fatwa DSN-MUI NO: 25/DSN-MUI/ III/2002 because the determination of ujrah is determined from the amount of the customer’s loan, while the difference is the discount given to the customer for applying smaller loan. The determination of discount is determined from ujrah or ijarah fee charged to the customer. This discount is calculated based on the percentage of estimated value of customer’s loan amount. Keywords: Ujrah Determination, Rahn Contract, DSN-MUI Fatwa

Perlindungan Hukum Terhadap Wisatawan Dalam Rangka Pemanfaatan Produk Dan Jasa Pariwisata Syariah (Halal Tourism) Elan Jaelani
JES (Jurnal Ekonomi Syariah) Vol 3, No 2 (2018): September
Publisher : Universitas Islam Lamongan

Tourism is one of the five priority development sectors in 2017 set by President Joko Widodo, in addition to the food, energy, maritime sectors, as well as industrial zones and Special Economic zones (KEK). Based on data from the Central Statistics Agency (BPS), the contribution of the tourism sector to Indonesia's foreign exchange is experiencing growth from year to year. This article aims to examine the field of sharia tourism (halal tourism) in terms of understanding and perspective in the field of sharia law and economics, and specifically directed to the discussion of legal protection for tourists in the context of the utilization of sharia tourism products and services (halal tourism). Sharia tourism sector (halal tourism) is a new field and is a part of Indonesia's efforts in developing and developing sharia economic and business systems as an alternative to the country's economic development. Through this research, it is found that the implementation of sharia tourism activities (halal tourism) in Indonesia still does not have adequate legal instruments and specifically regulates sharia tourism activities, including the legal rules related to legal protection of tourists. Through this research, it is found several legal instruments that can be used as alternatives in the framework of efforts to provide legal protection for the use of Islamic tourism products and services. The legal instruments include UU No. 8 of 1999 concerning Consumer Protection and UU No. 33 of 2004 concerning Halal Product Guarantee, in both legal instruments there are at least several provisions that can be used as guidelines and legal umbrella, among them are; related to the fulfillment of the right of tourists to get halal food and beverage products; the right of tourists to get services in accordance with sharia principles; the right of tourists to avoid misconduct, khurafat, pornography, liquor, and drugs; and fulfillment of tourist rights to access to worship. Keywords: Sharia Tourism, Consumer Protection Law, Halal Security Law, DSN-MUI Fatwa

Analisis Efisiensi Kinerja Lembaga Amil Zakat Di Indonesia Ayief Fathurrahman; Ibnu Hajar
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

In the span of 74 years of Indonesia's independence, poverty, unemployment and social inequality remain major problems in national development. The Central Statistics Agency (BPS) recorded that as of March 2018, the number of poor people in Indonesia reached 25.95 million people or 9.82 percent of the total population of Indonesia. Seeing the problems that are so complex, it should be to pay attention to one solution in Islam to be able to prosper the community. Islam as rahmatan li al-‘a>lami>n has a solution through zakat, infaq and alms (ZIS) instruments. Zakat is one of the pillars of Islam consisting of shaha>dah, prayer, zakat, fasting and pilgrimage for those who are able. This study aims to analyze the level of efficiency of zakat management institutions in Indonesia in the period 2012-2016. The subjects in this study were the national zakat management organization with a purposive sampling technique. Of the 19 OPZs listed in the Ministry of Finance, two OPZs are chosen, namely the Rumah Zakat and Dompet Dhuafa. Data collection techniques use documentation techniques. The object examined is the financial statements for the period 2012-2016. The method used is Data Envelopment Analysis (DEA) with the production approach, input-output orientation and CRS assumptions. The results of this study show relative efficiency. National zakat management organization namely Rumah Zakat with a production approach, input-output orientation and CRS assumptions have Efficiency with 100% annual score. In the production approach, input-output orientation and the assumption of CRS Dompet Dhuafa have been Efficient in the first 3 years, namely in 2012, 2013 and 2014. However, in 2015 there was efficiency with an efficiency score of 78.71% and in 2016 it was 64.33%. Inefficiency occurs in the variable total assets, costs of socialization, collection and distribution of zakat.Keywords: data envelopment analysis, efficiency, production approach, zakat management agency

Konstruksi Formula Produksi Maslahah Indikator Maqasid Al-Shari’ah Sebagai Konstruktor Nilai Berkah Nurlaili Adkhi Rizfa Faiza
JES (Jurnal Ekonomi Syariah) Vol 5, No 2 (2020): September
Publisher : Universitas Islam Lamongan

In Islam, Not only the production requires physical attributes, but also the value of barakah. Because without the value of barakah, the production process will not be productive. But the value of barakah here cannot be calculated conclusively because of the blessing of its origin from God because the production factors in Islam are also determined by the concept of mas}lah}ah (containing benefits), by following with the demands of maqa>s}id al-shari>’ah, which leads to barakah, thus formulated the blessing value of the maqa>s}id al-shari>’ah indicator which includes h}ifz} al-di>n (orientation of worship), h}ifz} al-nafs (internal process orientation), h}ifz} al-nasl (labor orientation), h}ifz} al-‘aql (learner orientation), and h}ifz} al-ma>l (orientation of wealth). This research aims to create quantitative formulations of the indicator.This reference used research method. Author obtains result of mas}lah}ah production level, which calculated by production rate of an item depends on amount of capital, labor, natural wealth, and level of the technology used. as well as the value of blessing. If five factors have been realized, then the optimum production value with the benefit of the hereafter can be achieved. Keywords: barakah; maqa>s}id al-shari>’ah; mas}lah}ah

Hakikat Keharaman Riba Dalam Islam Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

There is a negative assumption that arises in community with regard to economic transactions. For example, the statement "interest" and "profit-sharing" is similar, it justifies something that has become a previous habit. Whereas after having studied and researched, the economic transactions is belongings to the category of riba (usury) and society is still reluctant to get used to something right, which has not yet become a tradition. So, it is impressed that Islam does not take care of worship that do not directly relate to Allah, as obligatory (mahdoh) worship in the pillars of Islam. The question arising then is why the statement emerged from the realm of Muslims who are still reluctant to attempt to transact transactions that should be appraised with shariah paradigm? How is the danger of riba, in the world and the Hereafter? Author wants to convey thoughtfulness and perception related to economic thought developing at this time. They merely legitimize the phenomenon of conventional economics by attaching ayat and hadits although there are also alternative thoughts of genuine Islamic Economics, so easy to get caught up in usurious practice. Therefore, author is inspired to invite readers to dare to unburden, examine, and study riba (usury) and the reason of prohibition in Islam. The existence of incompatibility of Islamic economic theory with the application of contemporary economics does not mean that Islamic economics is not applicable, but it motivates us to implant Islamic economics proportionally and objectively in life. In order to analyze the problems, in this article, author uses a combination of mindset based on reality with faith, then author draws conclusion on the nature of reality of transaction, by comparing reality with argument and opinion relating to" Does interest applied nowadays include riba and how is the danger of consuming usurious results?" Keyword: Riba, Interest, The danger of riba

Pemberdayaan Wakaf Uang Sebagai Upaya Peningkatan Kesejahteraan Masyarakat Moh. Ah. Subhan ZA
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

Waqf is a form of worship that has a high sense of solidarity towards human beings. Its existence has greatly helped the development of proselytizing in Islamic countries. But, in the implementation of the waqf is limited only in the construction of worship and education places. This is because the understanding of most people who say that waqf can only be done with immovable property such as land. Whereas on the other hand, there are other ways of waqf that has far more great benefit than immovable object, that is waqf of money. The waqf of money is a strategic step to improve the welfare of the community by investing in Islamic financial institutions with the principle of profit sharing (mudharabah and musyarakah), rent (Ijarah), murabahah or by opening a business. The results of the management of money waqf are then used for social purposes such as to improve Islamic education, Islamic hospital construction, assistance of economic empowerment of the community as well as the aid of religious facilities and infrastructure. After understanding the great potential of the money waqf, it is necessary for us to do. First, we must change the understanding of the waqf conception that has been believed by the Indonesia community up till now that waqf is limited to the immovable endowments. Second, the socialization on existence of waqf money along with its concept to society is has to be done. Third, the certificate of money waqf should not be with a large nominal value. There should be at least a fraction of 20,000, 10,000 or even 5000, so that community participating in this money of waqf becomes more. Fourth, the benefits of productive endeavor of the waqf fund should be immediately channeled to the eligible community as it relates to the belief of waqif and so that the community knows about the benefits of the money waqf soon. Fifth, the disbursement of profit to the poor should not only be money, but also a business that can elevate their economy. Sixth, management of money waqf should not only be in sharia financial institutions, but also in the community such as mosques, madrasah or non-governmental organizations. In this way, it will facilitate the scope of the community and can increase the amount of community participation in waqf. Keywords: Money Waqf, Cash Waqf, Community Prosperity

Pemikiran Ekonomi Islam Imam Al-Ghazali Tentang Uang Dalam Perspektif Maslahah Mursalah Huril Aini
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

Economic activity is defined as inseparable thing in life. The process that occurs in terms of exchange with a particular agreement creates a system which we then call the economic transactions. The transaction is nothing but an attempt to make ends meet. In this case, the government will supervise the activities. Individual actions in the economy in particular and action in general, depends on the mind and worldview of the individual. Therefore, Islam as a universal religion has regulated and provided the right pattern of action in life, socially, culturally and economically. The writing will try to answer the question: how the Islamic economic thought of Imam al-Ghazali on money in the context of mashlahah mursalah. The research is literature research, which examines the sources of books, books, scientific journals, articles and other forms of material or commonly related to the discussion of this paper. The data have been collected from many sources, analyzed using content analysis method, namely research technique to make replicable inference and valid data with respect to context. The description is presented in descriptive or narrative form the data already collected is analyzed in accordance with historical events or facts, especially the detailed description of the activity, attitude, behavior and position of Imam al-Ghazali in historical events. In addition, data analysis is presented in an inductive form on data already collected or evidence analyzed, compiled or abstracted based on existing sources (primary data and secondary data). The results showed that to build a good economy and smoothly should be able to run economic activities based on Islamic law by implementing the concept of mashlahah mursalah, including in managing finances well according to the needs of the community and conduct muamalah activities in accordance with the existing ethics. Islamic economy according to Imam al-Ghazali in its achievement must promote the public good. It implements the concept of maslahah mursalah with the maintenance of the five basic objectives (maqashid shari’ah). While in carrying out economic activities, the government must intervene, especially when there are problems in the community. Economic goals should not be concerned only one side of life, but must be balanced between the world and the hereafter. Keywords: Imam al-Ghazali, Money, Maslahah Mursalah

Peran Zakat Terhadap Pemberdayaan Dan Kesejahteraan Mustahiq Akmalur Rijal
JES (Jurnal Ekonomi Syariah) Vol 4, No 1 (2019): Maret
Publisher : Universitas Islam Lamongan

Poverty is a crucial problem that is being faced by all nations in the world, including Indonesia. This condition will certainly disrupt national development and stability. Therefore, what is needed now is a solution that can help overcome the problems. The poverty is defined as the inability of a person to fulfill his basic needs because of his powerlessness in accessing or mastering economic resources. The inequality of economic development is one of the causes of poverty. Welfare is a condition that is a hope for every citizen. But in reality not all citizens can easily get welfare. The empowerment of productive zakat funds has a very large role in the business mustahiq, because of the limitation to increase capital in its business, so that zakat funds become one of the solutions to advance business mustahiq. Productive zakat has the specificity of being channeled to the production business of mustahiq. Productive businesses carried out by mustahiq with capital from productive zakat. His efforts are expected to be able to continue to grow, so that being able to raise the economic level of mustahiq so that achieving prosperity can even become muzakki. Keywords: Zakat, Mustahiq, Zakat Empowerment

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Contact Name
Khozainul Ulum

Contact Email
jesunisla@gmail.com

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+6282244470719

Journal Mail Official
jesunisla@gmail.com

Editorial Address
Jl. Veteran 53A Lamongan

Location
Kab. lamongan,

Jawa timur

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Khozainul Ulum

Contact Email jesunisla@gmail.com

Phone +6282244470719

Journal Mail Official jesunisla@gmail.com

Editorial Address Jl. Veteran 53A Lamongan

Location Kab. lamongan, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Khozainul Ulum

Contact Email
jesunisla@gmail.com

Phone
+6282244470719

Journal Mail Official
jesunisla@gmail.com

Editorial Address
Jl. Veteran 53A Lamongan

Location
Kab. lamongan,

Jawa timur

INDONESIA