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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 Wakaf Polis Di Asuransi Syariah Nur Dinah Fauziah; Tanto Fatkhurrozi
JES (Jurnal Ekonomi Syariah) Vol 5, No 1 (2020): Maret
Publisher : Universitas Islam Lamongan

Economic development in Indonesia has led to the new various products and also the sharia economic development in Indonesia, although it is still relatively young, but the sharia economy continues to thrive with various types of products that can increase the economy. The development of insurance in Indonesia is the form of variation that is able to make Islamic insurance can remain in financial products that are still in demanded by the public, also Waqf polis insurance is a waqf plan by legally inheriting a portion of the asset ownership by waqif when the person dies but can still enjoy the benefits of the assets represented as long as the waqif lives up to the potential and benefits of waqf and its management is productively waqf from the insurance side especially from sharia insurance with the combination of waqf and insurance. This research belongs to the type of literature study research by looking for theoretical references that are relevant to the cases or problems founded and also from several previous studies and from the internet. Productive waqf insurance is successfully integrated so that Indonesia's economy growth through waqf can be realized immediately. Keywords: waqf, sharia insurance, polis wills

Nilai Waktu Dari Uang Dalam Perspektif Ekonomi Islam Misbahul Khoir
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

The time value of money is associated with the current value and future value because the money received now is more worth than the money received in the future. However, is the concept of time value of money is appropriate and justified by the Shari'ah? The time value of money is a concept that says that the money of the one rupiah that can be received today is more worth than one rupiah which will be received in the future time. The concept of time value of money is needed by financial managers in making decision when will invest in an asset and determine the source of loan funds that will be chosen. Methods for the time value of money pervade; a) the method of average rate of return. This method measures the level of profit gained by an investment. The disadvantage of this method is ignoring the time value of money; b) the payback period method. The method measures how fast the investment return is, the sooner the better; c) method of net present value (NPV). This method calculates quarrel between the current value of investment and the present value of net cash receipts in the future and calculates quarrel between the present value of cash outflow (investment) and cash inflow (income) per year; d) profitability index method (PI). This method calculates ratio between the present value of net cash receipts in the future and the present value of the investment; and e) the methods of internal rate of return (IRR). If IRR > saving or profit required → decent. Islam views money as a flow concept. Money must rotate in an economy and may not be idle for too long time. Moreover, it lets for years. Islam does not recognize the method of time value of money because this method adds value to money solely with increasing time and not effort. Islam actually knows the money value of time; that is the time has economic value as well as the money value of money. Imam Nawawi provides definition related to value addition for money based solely on the value of time is the category of riba. Keywords: Time value of money, Islamic economics

Menelusuri Metodologi Ekonomi Islam Abdel-Rahman Yousri Ahmed Ahmad Ubaidillah
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

In recent years, we have witnessed a high interest in the study of methodology in the field of Islamic economics. Works in the form of books, journals, or articles on methodologies have developed rapidly over the past two decades. People’s interest binding up in Islamic economics in the field of methodology is caused by several factors, among which there are those who think that the economy is not going well. Poverty still exists. Unemployment is growing along with high inflation and hardly any reliable solution to the depression of the local economy, even the regional financial crisis. Another reason for the revival of interest in the field of economic methodology is that economists, in their efforts to instill a positivistic paradigm of natural science into economics, tend to break the science of philosophy that raises ethical and moral issues relating to human goals and behavior. This paper will attempt to answer the question: what is the Islamic economic methodology offered by Abdel-Rahman Yousri Ahmed and what should the Islamic economic exponents do in the formulation of Islamic economics theory? This type of research is qualitative with the approach of figure thinking. The data collection technique is done by reading the works of Abdel-Rahman Yousri Ahmed and some supporting writings of the research. The result of study shows that the commitment to make the theory of Islamic economics must be realized into the form of blend between Sharia rules and Islamic values into postulates or axioms. The resolving of various problems, the process of economic analysis, and the formulation of rules that explain Islamic economics, should be based on the postulates or the axioms. The empirical experience of Islamic economics is a mandatory requirement for formulating empirical theory. Islamic economics scientific theory consists of three main elements: definition or terminology, postulates (axioms or assumptions), and hypotheses. From an Islamic perspective, definitions and postulates which are composed and made in accordance with Islamic and Shari’a values, should be ensured to show the character of the Islamic hypothesis that culminates in the theoretical work. The historical experience of Islamic economics in the past will greatly help modern Islamic economics. The Islamic economics applicability depends heavily on using correct methodology in formulating theory. Keywords: Islamic Economics Methodology, Abdel-Rahman Yousri Ahmed

Penyelesaian Utang Impor, Ju’alah Dan Sertifikat Bank Indonesia Syariah (SBIS) Perspektif Fatwa DSN-MUI Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

Sharia financial Institution is one of the economic supporters of Indonesia. It is evidenced by the number of Islamic financial institutions that have sprung up this year, both sharia bank and non-bank sharia financial institution. It accommodates the aspiration and need of the society. The public is given the widest opportunity to establish a bank based on sharia principles, including convert from commercial banks whose business activities are based on conventional patterns into sharia patterns. The more sharia financial institutions that emerge, the more products offered by Islamic financial institutions to customers with the level of risk that can be overcome. The writing aims to answer the formulation of problem of settlement of import debts, contract of ju’a>lah and Sharia Certificate of Bank Indonesia (SBIS) in perspective of DSN-MUI fatwa. The result of research shows that in the DSN-MUI fatwa, it is explained that the settlement of imported debt or we know as letter of credit (L/C) may use the kafa>lah contract by taking a fee. It is also explained that one of the forms of kafa>lah contract is kafa>lah bi al-ma>l which is the application of kafa>lah contract which guarantees the payment of goods or debt repayment. This guarantee may be provided by the sharia bank to its customers in return for a fee. For the settlement of import debt there are several contracts that can be used, namely the contract of h}iwa>lah bi al-ujrah, waka>lah bi al-ujrah, and kafa>lah bi al-ujrah The Sharia Certificate of Bank Indonesia which used to be wadi>’ah with Wadi>’ah Certificate of Bank Indonesia which is now changed with Sharia Certificate of Bank Indonesia uses ju’a>lah contract. In this contract, Bank Indonesia pays the repayment upon maturity of SBIS with the relevant sharia banking record having performed and achieving the objectives expected by Bank Indonesia. If the sharia banking concerned is not able to achieve the desired objectives or stipulated by Bank Indonesia in terms of monetary control based on sharia principles, the relevant sharia banking will not receive any compensation from Bank Indonesia. Keywords: Import Debt Settlement, Ju’a>lah, Sharia Certificate, Bank Indonesia, DSN-MUI Fatwa

Paradigma Islam Tentang Kemiskinan Dan Solusi Pemecahannya Moh. Subhan
JES (Jurnal Ekonomi Syariah) Vol 4, No 1 (2019): Maret
Publisher : Universitas Islam Lamongan

Poverty is a complex and multidimensional problem because it relates to the inability of a person to access economics, politics, socio-culture, and participation in society. This phenomenon will never disappear from the face of the earth, although statistically the poverty rate can be minimized. The types of poverty are very much dependent on their perspective, there is relative poverty and absolute poverty. There are also natural poverty, cultural poverty, and structural poverty to minimize poverty can be done appropriately, when the factors causing poverty arise. Factors that cause poverty in general are internal, external and repressive theology. Naturally there is no human being who wants himself poor, because the poor conditions often make someone marginalized in his social life. Therefore, poverty must be eradicated and combated together to make humans dignified and protected materially and morally. Islam considers that poverty is not something that cannot be changed, therefore it is necessary to have tactical and strategic steps to make changes from poor conditions to being capable and dignified. To alleviate poverty, Islam has varied ways and alternatives, including reconstruction of theology of poverty, building collective awareness of eradicating poverty, and building an individual work ethic. Keywords: Islamic Paradigm, Islamic Solution, Poverty Minimization

Analisis Perbandingan Kinerja Layanan Keuangan Korporasi Di Indonesia (Studi Kasus Pada PT. Bank Mega Tbk dan PT. Bank Mega Syariah) Ayif Fathurrahman; Harun Thalib
JES (Jurnal Ekonomi Syariah) Vol 5, No 1 (2020): Maret
Publisher : Universitas Islam Lamongan

In Indonesia, the banking economy in carrying out its functions is based on the principle of prudence. The main function of banking is to collect funds from the public, and at the same time channel public funds and support the implementation of national development in order to increase the level of equitable development, national economic growth and national economic stability, towards improving the better living standards of the people. It is stated in Act Number 10 of 1998 concerning banking, that banks as business entities collect funds from the public in the form of deposits and distribute them to the public in the form of credit and or other forms in order to improve the standard of living of the community. The purpose of this research is to analize the financial performance comparison between Bank Mega (conventional) and Bank Mega Syariah from 2012 to 2018, by using these financial ratio aspects: CAR (capital adequacy ratio), NPL (non performing loan), ROA (return on assets), BOPO (biaya operasional dan pendapatan operasional), LDR (loan to deposit ratio). The data used in this research is the secondary data obtained from banking statistics issued by Otoritas Jasa Keuangan (OJK) from 2012 to 2018, with using Independent Sample T-Test analysis methode in SPSS 16 software. The result shows that there is a significant difference in LDR, NPL,BOPO ratio and no significant difference in CAR and ROA ratio between PT Bank Mega Tbk, (conventional) and PT Bank Mega Syariah In financial performance aspect, PT Bank Mega Tbk is better. However, in liquidity aspect, PT Bank Mega Syariah is better. Keywords: PT Bank Mega Tbk, PT Bank Mega Syariah, CAR, NPL, LDR, BOPO, ROA

Mengenal Asuransi Syariah Dari Sejarah, Dasar Hukum Sampai Akad Transaksi Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 2, No 1 (2017): Maret
Publisher : Universitas Islam Lamongan

The development of sharia-based insurance is very closely followed by people's understanding of the sharia insurance contract, the position of the parties in the sharia insurance so that each of interest group get legal protection. The legal protection is expected to provide the values of truth, order, justice and benefit both sides party. Sharia insurance or takaful is basically ta’awun agreement between insurance participant and group of people. The aim is to guarantee and protect each other in dealing with the effects of a particular event is not expected that impinge on other participants. Insurance history has existed since the time of BCE and occurs at the time of ancient Egypt that is at the discretion of the Prophet Yusuf. But the existence of Islamic insurance in Indonesia is too late. Takaful in Muslim-majority country has existed since 1979, even with the non-Muslim majority states Indonesia defeated first. For example, in Luxemburg Takaful insurance evolved since 1983. Meanwhile, in Indonesia Islamic insurance start operating in 1995. The contract of sharia insurance is implemented by combining several contracts, namely mudharabah, tabarru, wakalah and hibah in one treaty. At glance, conventional and sharia insurance will appear same. But, in fact it is different. The difference consists in the legal foundation, management, accounting systems, operations and company culture. Keywords: Sharia Insurance, Contract of Kafalah, Conventional Insurance

Memahami Kebijakan Ekonomi Politik Tiga Khalifah (Sebuah Kajian Historis Tiga Fase Peradaban Islam) Ayief Fathurrahman
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

One thing that needs to be understood is that every result of human thought is always historical, tied to the space and time around it. The economic policies issued by Umar ibn Khat}t}a>b, Umar ibn Abdul Azi>z and Ghazan Khan must have certain truths in accordance with the dimensions of space and the cycle of time. However, the form of policy is an effort to solve the problems of the State, especially the economic sector that occurred in the middle of their leadership period. This article aims to examine the political economic thought of three caliphs, namely Umar ibn Khat}t}a>b, Umar ibn Abdul Azi>z, and Ghazan Khan with a historical approach. Political economic policy decided by Umar ibn Khat}t}a>b, Umar ibn Abdul Azi>z, and Ghazan Khan has a character that is flexible. It means however its method, during its goal to create welfare for the people and not in conflict with al-Quran and al-Sunnah, then that policy is applied. This was apparent when some of their policies are not always same as Prophet’s policy, even differ from each other, but with that difference, the world has recorded them as a brilliant decision maker. The policy of the three caliphs teaches us the ultimate determinants of the economic policy of the meaning of welfare (mas}lah}ah) which form the basis of the formulation of one policy. Rigid economic system will only become a separate boomerang for economic growth itself. Because the true that the holy economic goal is not economic growth, but the welfare of mankind as perpetrators of economic activity in this hemisphere. Keywords: Islam, Economic-Politics, Flexible, Welfare

Wakaf Uang Solusi Alternatif Memberdayakan Ekonomi Umat Studi Kasus Pada BMT Mandiri Sejahtera Karangcangkring Jawa Timur Misbahul Khoir
JES (Jurnal Ekonomi Syariah) Vol 3, No 2 (2018): September
Publisher : Universitas Islam Lamongan

Bayt al-Mal wa al-Tamwil (BMT) is a microfinance institution that is operated with profit sharing or sharia principle by developing micro and small businesses, in order to elevate degrees and dignity and defend the interests of the poor. BMT (Baitul Mal Wat Tamwil) also receives deposits from zakat, waqf, infaq and sadaqah funds and optimizes its distribution in accordance with its regulations and mandates. The concept of money or cash waqf even though only with 10,000 nominal customer however, endowments have enormous potential to be explored and developed with an emphasis on how the potential of money waqf can be an alternative solution in order to empower the ummah economy through BMT Mandiri Sejahtera Karangcangkring East Java. This BMT Mandiri Sejahtera Karangcangkring in East Java outlines the types of products classified into three, namely savings, financing and services. There are three deposits: Simaster, Hajj and Umrah savings, and qurban savings. There are five financing, namely murabahah, rahn, mudlarabah, musharakah, and ijarah. While service products such as exchange of ringgit money, remittances from within / abroad, PLN online payments, Token, Telkom, FIF, BAF, Adira Finance, Oto Finace, WOM Finance, STNK/mutation installment installments. Although there are weaknesses, the result of research shows that the threat that is feared will hamper the endowment of money products on Mandiri Sejahtera BMT but this is not a burden, the most important is that this product does not violate the rules of sharia and is permissible in Islam because the application of money waqf products in Mandiri Sejahtera BMT is appropriate, namely the value the principal remains and the remaining proceeds from the money endowments will be distributed for virtue. Keywords: Cash Waqf, Society Economic Empowerment, BMT Mandiri Sejahtera

Pengaruh Faktor Internal Dan Eksternal Terhadap Nilai Pembiayaan Murabahah Pada Perbankan Syariah Di Indonesia Periode Januari 2015-Juli 2018 Bhaswarendra Guntur Hendratri
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

Bank of Sharia is a bank that in its activities, both raising funds and in the context of channeling funds, provides and imposes compensation in accordance with Islamic law. Its activities does not charge interest, or does not pay interest to customers. Rewards received by Islamic banks, as well as those paid by customers depend on the contract and agreement between the customer and the bank. Related to the transaction contract practiced by Islamic banking. The mura>bah}ah contract is the contract that is most sought by the public. This contract dominates other contracts such as musha>rakah, mud}a>rabah, salam, istis}na>’, qard} and ija>rah. The purpose of this study is to analyze the influence of internal and external factors of Islamic banking, namely third party funds (DPK), capital adequecy ratio (CAR), number of sharia bank offices, equivalent rate (ER), and inflation on the amount of mura>bah}ah financing in Islamic banking in Indonesia. The analytical method used in this study is multiple linear regression. The results of this study indicate that third party funds (DPK), capital adequecy ratio (CAR), number of sharia bank offices, equivalent rate (ER), and inflation together have a positive effect on the value of mura>bah}ah financin. Partially, third party funds (DPK) have an influence positive towards mura>bah}ah financing. While the number of sharia bank offices and equivalent rate (ER) has a negative effect on mura>bah}ah financing. Then, capital adequecy ratio (CAR) and Inflation have no effect on the amount of mura>bah}ah financing. Keywords: Mura>bah}ah financing, External factor, Internal factor

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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