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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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ANALISIS PENERAPAN TA’ZIR PADA PEMBIAYAAN MURABAHAH DI BPR SYARIAH MADINAH LAMONGAN Salkan Salkan; Dwi Aprilianto
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

The process of transferring or distributing the fund to the customers, or what so called as the outlay needs such a definite contract to apply in the process of job capital budgeting. In BPR Syariah Madinah Lamongan, the contract applied is the contract of mura>bah}ah. It means that the selling prize of goods is as the same as its main prize added with the compromised profit. It is definitely necessary to observe the expediency of the candidates before transaction while deciding to give the outlay using mura>bah}ah contract, in order to avoid such a certain risks that could fatally affect the bank’s financial loss. Some of the risks emerged because of default. It frequently happens since the debitor or customer is careless to pay the obligation on time.It is certainly contradictory to the Islamic law that intensely protects the interest of both the bank and the customer doing the transaction. So that both sides don’t suffer any loss. Those careless customers should get the proper fine or ta’zi>r. Hence, in this research, the application of ta’zi>r toward the job capital outlay using mura>bah}ah contract in BPR Syariah Madinah Lamongan will be thoroughly analysed through descriptive analysis method. The data collection of this qualitative research is conducted by doing interview, observation and documentation. The research findings reveal that the job capital outlay using mura>bah}ah contract in BPR Syariah Madinah Lamongan needs more serious attention and handling. The process is actually not quite fluent, therefore ta’zi>r needs to be implemented. Whereas the nominal amount of ta’zi>r is already in proper with the customer’s loan stated in the contract. There is only a small number of the customers who get dispensation when being late handing the payment. They are the customers who are really incapable to hand the payment or in force majeure condition. The nominal amount of ta’zi>r then distributed to social fund, such as scholarship, road and bridge construction, etc. Keywords: Implementation of ta’zi>r, The outlay of mura>bah}ah

Sistem Waralaba Dalam Kaidah Maslahah Mursalah Joko Hadi Purnomo
JES (Jurnal Ekonomi Syariah) Vol 2, No 1 (2017): Maret
Publisher : Universitas Islam Lamongan

Franchising is a business of cooperation among the parties. One party is called a franchisor and another party is called the franchisee to increase market penetration, growing new businesses and open working opportunity. Maslahah mursalah is used to address and answer new issues and developments that arise due to the progress of science and modern technology, both in setting the law against new problems, no provision of law and a new law to replace the old laws that do not conform any more with the circumstances, situations, conditions and welfare of the people of today. Maslahah mursalah is one method of laws istinbath that is made hujjah. For examples of problems set by maslahah mursalah ruling, it is shown that laws enacted by the method is more nurturing and more able to realize the sharia objectives, and it is the effectiveness of maslahah mursalah in setting the Islamic rules. Franchise system has a lot of benefit. Although not perfect, but overall it gives any favor by minimizing business risks, taking maslahah and keep madharat. The franchise system, of course, has been in accordance with the rules of maslahah mursalah. Keywords: Franchising, Business, Maslahah Mursalah

Developing The Quality Of Islamic Corporate Culture On Islamic Bank In Indonesia Muhammad Iqbal Fasa
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

Financial institutions and contemporary business today have been transformed into a sharia-based financial institution and business. However, this change of a new transformation is done systemically by system and not implemented by culture. Thus, despite the growth of Islamic bank is so high, polemics is increasingly unsettled. Based on this, the necessary of transformation of corporate culture has to change based on Islamic values to create sustainable development and competitive advantage. This paper attempts to offer relevant ideas based on Islamic corporate culture. At the end of this paper, the author offers the characteristics of Islamic corporate culture, corporate culture in Islamic bank in Indonesia, and the development of quality of Islamic corporate culture on Islamic bank in Indonesia. This paper concludes that Islamic corporate culture has a major role in increasing employee motivation, employee work ethic, job satisfaction, employee's prestigious behavior and employee performance. Thus, it is important for Islamic banks to develop the quality of corporate culture based on Islamic values. Keywords: Islamic Corporate Culture, Islamic Bank, Sustainable Development

Analisis Kompetensi Agen Asuransi Kasus Bumi Putera Syariah Palembang Sahirrudin Sahirrudin; Maya Panorama; Listiawati Listiawati
JES (Jurnal Ekonomi Syariah) Vol 3, No 2 (2018): September
Publisher : Universitas Islam Lamongan

The success of a company needs employees who are competent, experienced and strong. Islamic insurance companies certainly require employees who have knowledge about insurance in accordance with Islamic sharia principles. In the case of the Islamic insurance company Bumi Putera Palembang in 2015 to 2016 there are 40 insurance policyholders who worked in a government agency to terminate the employment relationship between the insurance and policyholders. This is because there is no transparency related to monthly installment payments that should be proven by a deposit or proof of receipt of payment in full by the field agent to the policy holder. This is not in line with the principles of Islamic insurance, namely avoiding the elements of gharar, maysir and usury. Islam emphasizes aspects of justice, likes and likes and togetherness faces risks in every effort and investment pioneered. This aspect is the concept offer to replace gharar, maysir and riba that have been happening in conventional institutions. The focus of research is on the competency of agents (wakalah) in the sharia Islamic Bumi Putera insurance company in the city of Palembang. The result is obtained from the conclusions of six indicators and evidenced by the table of productive reports of agents related to product marketing that human resources in agents /wakalah Bumi Putera Syariah Life Insurance have not described competency and professionalism. This can be seen from the lack of insurance products sold, attitudes to field issues and the achievement of the target customers determined by the company. Keywords: Insurance Agent Competency, Bumi Putera Syariah

Etika Bisnis Islam Dan Kelangsungan Usaha Aqiqah Service Centre (ASC) Di Gresik Misbahul Khoir; Moh. Ah. Subhan ZA
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

The idea of this research comes from the experience of researchers who, since married two years ago, is faced with a family environment that grows up and carries on their lives for generations through Aqiqah businesses service. The Aqiqah Service Center (ASC) is the first and oldest aqiqah service center in Gresik because it has been more than 50 years and has contributed to the formation of an Islamic generation by serving, assisting, and facilitating the intentions of Muslim parents in the city of students in Gresik and its surroundings in making goats goat for their children. The research will answer two questions: (1) What is the difference between Islamic business ethics and non-Islamic business ethics, and (2) How is the urgency of Islamic business ethics in the business continuity of the Aqiqah Service Center (ASC) in Gresik? This study is a qualitative-descriptive study with the aim of understanding the phenomena experienced by the subject of research including behavior, perception, motivation, and action holistically by utilizing various scientific methods. Data collection methods include; observation, in-depth interview or focus group discussion, and documentation. Data analysis techniques include: processing and preparing data for analysis, reading the entire data, analyzing in more detail by coding data, considering detailed instructions that can help the coding process, giving descriptions that will be presented in the report, interpreting and interpreting data. The result of research shows that The difference between islamic business ethics and conventional is in terms of; sources, motives, paradigms, foundations and basic foundations. The business of the ASC (Aqiqah Service Center) UD. H. M. Arba'i in Gresik, besides looking for qi>mah ma>diyyah (material value), but also must be able to obtain and give two other orientations, namely qi>mah khulu>qiyyah and qi>mah ru>h}iyyah. Qi>mah khulu>qiyyah is a noble moral value which becomes a necessity that arises in business activities, so as to create an Islamic fraternity, between business managers and employees, as well as between sellers and buyers. Qi>mah ru>h}iyyah means, the business act is intended to get closer to Allah SWT. In other words, when carrying out a business activity, it must be accompanied by an awareness of the relationship with God. This is what is meant, that every Muslim act is worship. Charity worship is material, while awareness of the relationship with God when doing business is called the spirit. Keywords: Islamic business ethics, Aqiqah Service Centre

Sustainabillity Ratio pada Bank Umum Syariah di Indonesia Beserta Faktor yang Mempengaruhinya Dirvi Surya Abbas; Arry Eksandy; Yuniarti Yuniarti
JES (Jurnal Ekonomi Syariah) Vol 5, No 2 (2020): September
Publisher : Universitas Islam Lamongan

The purpose of this study are to determine the effect of Capital Adequacy Ratio (CAR), Operational Cost of Operating Income (BOPO), Financing Deposit Ratio (FDR) on financial sustainability ratio (FSR) (Empirical Study on Islamic Banking in Indonesia in 2014 - 2018). The research period time used was 4 years, namely the 2014-2015 period. The population of this study includes all Islamic general banking in Indonesia in the 2014-2015 period. The sampling technique was using a purposive sampling technique. Based on the predetermined criteria, 8 companies were obtained. The type of data used is secondary data obtained by financial reports issued by the bank. The analysis method used is panel data regression analysis. The results show that the Capital Adequacy Ratio (CAR) has a significant positive effect on financial sustainability ratio (FSR). Operational Cost Operating Income (BOPO) doesn’t have effect on financial sustainability ratio (FSR). Financing Deposit Ratio (FDR) doesn’t have effect on financial sustainability ratio (FSR). Keywords: financial sustainability ratio (FSR); capital adequacy ratio (CAR); operational cost of operating income (BOPO); financing deposit ratio (FDR)

Pengembangan Sumber Daya Insani Di Lembaga Keuangan Islam Mohammad Afif
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Islamic financial institutions began to flourish in Indonesia. Naturally there is a demand for creating human resources with good morality and professional in carrying out its duty, mission and vision. Talking about human resources, in fact, we can see from two aspects, namely the quantity and quality. Islamic financial institution requires two aspects. Islamic financial institutions will exist when supported by adequate human resources for the development, which is actually Indonesian with the biggest Muslim country of in the world, so that the market share for Islamic financial Institution is very potential. Therefore, it is ironic if the Islamic financial institution can not flourish in Indonesia. It is necessary for strategic steps in the establishment of the Islamic financial Institutions. Thus, Islamic character of this vision is a solution that is a manifestation of human nature as a creature of Allah, who is in every movement and steps always use the rules set by Allah. The occurrence of fraud by operators of Islamic financial institutions because he is out of the nature of faith and choose the wrong path. So it is important for a leader being model, to pay attention, oversee, audit and punish managers who disapprove his nature, both in financial terms and non financial problems. Founder, trustees, managers may commit violation because of unlimited power, due to excessive power. Excessive confidence sometimes opens human opportunities to get out of the nature of faith. This article will try to explain the development of human resources in Islamic financial institutions, which includes the importance of human resources planning, the principles of employees planning in Islamic financial institutions, the process of human resources planning in Islamic financial institutions, the values of recruitment, the stages of recruitment, the technique of potential seeking in recruitment, and so forth. Keywords: Islamic financial institution, Human resources

Manajemen Pembiayaan Bank Syariah: Sebuah Perkenalan Achmad Lubabul Chadziq
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

The two main functions of banking are fund raising and channeling of funds. Distribution of funds in conventional banks with those contained in Islamic banks has an essential difference, both in terms of names, contracts, and transactions. In the conventional banking, channeling of this fund is known as credit while in sharia banking called as defrayal. Unlike the definition of credit that requires the debtor to repay the loan by giving interest to the bank, the defrayal based on sharia principles, the loan repayment with profit sharing is based on the agreement between the bank and the debtor. For example, defrayal with the principle of sale and purchase which is intended to buy goods, while those who use the principle of lease is intended to obtain services. The profit-sharing principle is used for cooperative efforts aimed at obtaining goods and services at once. Financing is a very important activity because with the financing, it will be obtained the main source of income and become a supporting case of the bank business continuity. Conversely, the management of bank which is not good will cause problems and cessation of business bank. Therefore, it is necessary to have a good sharia-financing management so that the distribution or financing to the customer can be effective and efficient in accordance with the objectives of the company and Islamic sharia itself. In this paper, author tries to explain how the concept of sharia financing management itself so that it is expected, both writer, colleague, student, and the public can better understand the management of Islamic finance. Keywords: Financing Management, Sharia Bank

Al-Mashaqqah Tajlib Al-Tays¬ir Makna Dan Implikasinya Dalam Pengembangan Ekonomi Islam M. Dliyaul Muflihin
JES (Jurnal Ekonomi Syariah) Vol 3, No 2 (2018): September
Publisher : Universitas Islam Lamongan

The problem of Islamic economics is also increasingly complex with the large number of banks. To meet the needs of transactions, banks have products that are offered to the public. In accordance with the function of the bank, namely collecting and distributing funds to the public. The purpose of channeling funds by Islamic banks is to support the implementation of development, improve justice, togetherness and equal distribution of people's welfare. This paper will answer what is the meaning of al-mashaqqah tajlib al-taysir and how do the Implications of al-mashaqqah tajlib al-taysir in the development of Islamic economy? The result of research shows that the meaning of the rule of al-mashaqqah tajlib al-taysir is the difficulty of bringing convenience. The point is that if implementing a provision of shara' mukallaf faces obstacles in the form of difficulties and limitations that exceed the limits of reasonable capabilities, then the difficulty automatically creates relief provisions. In other words, if we find difficulty in carrying out something that is to be sharia, then the difficulty becomes a justifiable cause to facilitate in carrying out something that is to be provision of sharia, so that we can continue to run the sharia of Allah easily. The implications raised by the rules of al-mashaqqah tajlib al-taysir are the determination of the law of Islamic financial institutions. This impact is seen when Islamic law allows transactions in Islamic banking financial institutions, so that the community will easily meet the needs by transacting with Islamic banking through contracts that have been agreed upon. Keywords: al-Mashaqqah Tajlib al-Taysir, Islamic Economic Development

Pembangunan Ekonomi Islami Menurut Fahim Khan Dan Umer Chapra: Sebuah Kajian Komparatif Wiwin Fitriyah
JES (Jurnal Ekonomi Syariah) Vol 4, No 1 (2019): Maret
Publisher : Universitas Islam Lamongan

Every economic system in the world is the ultimate goal of creating a prosperous, just and equitable life. The effort to achieve this goal is economic development. The highest achievement in the Islamic economic system is the fulfillment of fala>h}, while fala>h} can be achieved by fulfilling the concept of maqa>s}id shari>ah, meaning say, preservation of beliefs, soul, spirit, heredity and property. Some theories about economic development strategies are often formulated by conventional economists framed by the ideology of capitalism and socialism. But the idea can not be separated from the critical projector. In the ranks of contemporary Islamic economic thinkers, criticism of Western development strategies is accompanied by an alternative offer. The object of this research is the reflection of Fahim Khan and Umer Chapra on economic development. This research uses qualitative method, with comparative descriptive analysis technique. From the existing data, the author tries to describe the two objects of research and analyze it, then compare the results of two research objects. After knowing the location of equations and differences, the authors analyze the factors that underlie it. The results show that there are similarities with the problems faced by developing countries. This is the high rate of unemployment or overwork. Fahim Khan also proposes economic development strategies for surplus countries by opening up and animating entrepreneurship as well as institutional support based on a partnership with the system (profit and loss sharing). If the theory of Chapra has nothing to do with the strategy it proposes, it is only the result of the criticism of capitalist and socialist existence that has failed to overcome the problems facing the developing countries. Its strategy focuses on four important elements: moral filters, correct motivation, socio-economic restructuring and the role of the state. There are 5 characteristics that influence the factors that cause the differences and similarities between Fahim Khan's and Umer Chapra's theories on economic development: action, context, history, power, and ideology. Keywords: Fahim Khan's Theory, Umer Chapra's Thoughts, Islamic Economic Development

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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