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bakhrul huda
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el-qist@uinsa.ac.id
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Kampus Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya Jl. Jend. A. Yani 117 Surabaya 60237
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El-Qist : Journal of Islamic Economics and Business (JIEB)
Published by Universitas Islam Negeri Sunan Ampel
ISSN : 22527907     EISSN : 27160335     DOI : https://doi.org/10.15642/elqist
Core Subject : Economy, Science, Social,
Economics, Econometrics & Finance Library & Information Science Social Sciences
el-Qist: Journal of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
 1 
Search results for , issue "Vol. 13 No. 1 (2023): El-Qist" : 6 Documents clear
Implementasi Akad Mudharabah Mutlaqah Pada Tabungan Haji IB Amanah Terhadap Profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk.: Implementation of Mudharabah Mutlaqah Agreement on Hajj Savings IB Amanah on Profitability of PT Bank Pembangunan Daerah Jawa Timur Tbk. Nada El Nadia; Masadah; Muhammad Yazid; Muhammad Iqbal Surya Pratikto; Nurul Fatma Hasan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.16-34

Abstract

Penelitian ini bertujuan untuk menjawab pertanyaan mengenai bagaimana implementasi akad Mudharabah Mutlaqah pada Tabungan Haji IB Amanah dan bagaimana pengaruhnya terhadap profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk. Jenis penelitian yang dilakukan dalam penelitian ini adalah penelitian lapangan dengan menggunakan metode penelitian kualitatif dan pendekatan deskriptif. Hasil penelitian yang diperoleh menunjukkan bahwa, 1) Implementasi akad mudharabah mutlaqah pada Tabungan Haji IB Amanah di PT Bank Pembangunan Daerah Jawa Timur Tbk sudah sesuai dengan ketentuan fatwa DSN-MUI No.02/DSN-MUI/IV/2000 Tentang Tabungan dengan prinsip mudharabah. 2) Bank mendapatkan bagian 90% atas bagi hasil Tabungan Haji IB Amanah, profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2019 adalah Rp17.998.535.314 menyumbang 1,31% dari laba tahun berjalan senilai Rp1.376.505 T. Kemudian, profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2020 adalah Rp18.503.080.413 menyumbang 1,25% dari laba tahun berjalan senilai Rp1.488.962 T. Sedangkan profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2021 sebesar Rp19.340.802.000 menyumbang 1,27% dari total laba tahun berjalan 2021 senilai Rp1.523.070 T.   This study aims to answer questions about how implementing the Mudharabah Mutlaqah contract on Hajj IB Amanah Savings affects the profitability of PT Bank Pembangunan Daerah Jawa Timur Tbk. This study's research type was field research using qualitative research methods and a descriptive approach. The research results obtained show that; 1) The implementation of the mudharabah mutlaqah contract on IB Amanah Hajj Savings at PT Bank Pembangunan Daerah Jawa Timur Tbk is following the provisions of the DSN-MUI fatwa No.02/DSN-MUI/IV/2000 concerning Savings with the principle of mudharabah. 2) The Bank gets a 90% share of the profit sharing of the Amanah Hajj IB Savings; the profitability obtained by the Bank from the Amanah Hajj IB Savings in 2019 is IDR 17,998,535,314 contributing 1.31% of the profit for the year amounting to IDR 1,376,505 T. Then, the profitability obtained by the Bank from the IB Amanah Hajj Savings in 2020 was IDR 18,503,080,413, contributing 1.25% of the current year’s profit of IDR 1,488,962 T. Meanwhile, the profitability obtained by the Bank from the Amanah Hajj IB Savings in 2021 was IDR 19,340,802,000 contributed 1.27% of the total profit for the year 2021 of IDR 1,523,070 T.  
Analysis of Entrepreneurial Skills In Growing Competitive Advantages In "Fresh Milk" Micro, Small, And Medium Enterprises (MSMEs) In Gresik District: Analisis Skill Entreprenuer dalam Menumbuhkan Keunggulan Bersaing pada UMKM Fresh Milk di Kabupaten Gresik Sutono Sutono
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.35-48

Abstract

One business actor who is quite resilient in facing intense competition is Micro, Small, and Medium Enterprises (MSMEs). The author designed this study to analyze and answer the influence of entrepreneurial skills in fostering competitive advantage in "Fresh Milk" MSMEs in Randu Padangan Village, Gresik. The method used by the author in this research is a quantitative approach. The number of samples in this research was 37 from "Fresh Milk" entrepreneurs in Randu Padangan Village using saturation sampling. The method for collecting data was a questionnaire and documentation. The data analysis techniques used in this research are the T-test and the R square-test. This study's results indicate a positive influence of entrepreneurial skills on competitive advantage in "Fresh Milk" MSMEs in Randu Padangan, Gresik. We can see these results from the results of research processed with the SPSS for Windows 17.0 program, which shows the results of the partial test Hs0 is rejected, and H1 is accepted if the results of t-count > t-table or sig-value < 0.05, which means that the entrepreneurial skill variable has a significant effect on the competitive advantage variable in "Fresh Milk" MSMEs in Randu Padangan Village. We can see the magnitude of the influence between variables from the coefficient of determination of 0.919, which means that 91.9% of the competitive advantage of "Fresh Milk" MSMEs in Randu Padangan Village is influenced by entrepreneurial skills. In comparison, the remaining 8.9% is influenced by other variables not included in this research.     Salah satu pelaku bisnis yang cukup tangguh dalam menghadapi ketatnya persaingan adalah para pelaku Usaha Mikro Kecil Menengah (UMKM). Penelitian ini diangkat untuk menganisis dan menjawab pengaruh skill enterpreneur dalam menumbuhkan keunggulan bersaing pada UMKM Fresh Mild di Desa Randupadangan Gresik. Adapun metode yang digunakan dalam penelitian ini menggunakan pendekatan kuantitatif. Jumlah Sampel penelitian ini sebanyak 37 pengusaha Fresh Milk di desa Randupadangan dengan menggunakan Sampling Jenuh, metode pengumpulan data menggunakan kuesioner (angket) dan dokumentasi. Teknik analisis data yang dipakai dalam penelitian adalah uji T dan Uji R Square. Hasil penelitian ini menunjukkan Adanya pengaruh skill entrepreneur terhadap keunggulan bersaing pada UMKM Fresh Mild Randu padangan di Gresik. Hasil tersebut dapat diketahui dari hasil penelitian yang diolah dengan program PASW Statistics 17 for windows menunjukkan hasil uji parsial H0 ditolak dan H1 diterima apabila hasil t hitung > t table atau nilai sig < 0,05 maka dapat diartikan bahwa variable skill entrepreneur memiliki berpengaruh secara parsial terhadap variabel keunggulan bersaing pada usaha mikro kecil menengah Fresh Milk di Desa Randu padangan. Besar pengaruh antar variabel dapat diliat dari hasil nilai koefisien determinasi sebesar 0,919 yang artinya 91,9% keunggulan bersaing usaha mikro kecil menengah Fresh Milk di Desa Randupadangan di pengaruhi oleh Skill Entrepreneur, sedangkan sisanya 8,9% dipengaruhi oleh variabel lain yang tidak dimasukkan dalam penelitian ini. Kata kunci: Skill Enterprenuer, UMKM.
The Effect of Stock Selection Ability, Market-Timing Ability, and Fund Cash Flow on the Performance of Sharia Equity Mutual Funds (Study During the Covid-19 Pandemic, 2020-2021): Pengaruh Stock Selection Ability, Market Timing Ability, dan Fund Cash Flow Terhadap Kinerja Reksa Dana Saham Syariah (Studi Pada Masa Pandemi Covid-19 Tahun 2020-2021) Rakhmad Pambudi Budi; Mahendra Galih Prasaja; Agus Saur Utomo
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.1-15

Abstract

Abstract: The Coronavirus pandemic has had an extraordinary impact on the economies of countries in the world, including Indonesia. This economic condition was reflected in the collapse of the stock market index in Indonesia. Mutual funds are an investment alternative that has convenience for investors who want to invest but need more investment skills and time. Islamic stock mutual funds are one of the choices in investing because Sharia values guide their management. The performance of Islamic equity mutual funds during the Covid-19 pandemic has declined; the number of Islamic equity mutual funds looks stagnant, while the NAV value has fallen. This study aimed to test the effect of stock selection ability, market-timing ability, and fund cash flow on the performance of Islamic equity mutual funds during the Covid-19 pandemic. The population in this study is all Islamic equity mutual funds traded during the 2020-2021 period. The sampling technique in this study used purposive sampling. The samples obtained were 39 Sharia equity mutual funds that reported monthly NAV on the OJK website. The data were tested using regression with the help of Eviews software version 12. The results of this study indicate that stock selection ability, market-timing ability, and fund cash flow partially have a positive and significant effect on the performance of Islamic equity mutual funds. Abstrak: Pandemi Coronavirus berdampak luar biasa bagi perekonomian negara-negara di dunia termasuk Indonesia. Kondisi ekonomi tersebut tercermin pada runtuhnya IHSG pasar modal di Indonesia. Reksa dana merupakan salah satu alternatif investasi yang memiliki kemudahan bagi para investor yang ingin berinvestasi tetapi memilliki keterbatasan keahlian investasi dan waktu. Reksa dana saham syariah dijadikan salah satu pilihan dalam berinvestasi dikarenakan pengelolaannya yang berpedoman pada nilai-nilai syariah. Kinerja reksa dana saham syariah pada masa pandemi covid-19 terlihat menurun, jumlah reksa dana saham syariah terlihat stagnan sedangkan nilai NABnya turun. Tujuan penelitian ini untuk menguji menguji pengaruh stock selection ability, market timing ability, dan fund cash flow terhadap kinerja reksa dana saham syariah pada masa pandemi covid-19. Populasi dalam penelitian ini adalah seluruh reksa dana saham syariah yang diperdagangkan selama periode 2020-2021. Teknik pengambilan sampel pada penelitian ini menggunakan purposive sampling. Sampel yang diperoleh sebanyak 39 reksa dana saham syariah yang melaporakan NAB bulanan di website OJK. Data diuji dengan menggunakan regresi dengan bantuan software Eviews versi 12. Hasil penelitian ini menunjukkan bahwa stock selection ability, market timing ability, dan fund cash flow secara parsial berpengaruh positif dan signifikan terhadap terhadap kinerja reksa dana saham syariah.
Life Style as Consumer Satisfaction in the Maqāṣid of Islamic Economics: Gaya Hidup sebagai Kepuasan Konsumen dalam Maqāṣid Ekonomi Islam Siti Musfiqoh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.83-99

Abstract

Human life will not be separated and is always related to economic activities: production, consumption, and distribution. Activities related to needs and wants A need that is manifested by various desires. In the conventional economic conception, needs and wants are inseparable. Because his stomach is hungry, a person who needs to eat will consider several desires when fulfilling that need. For example, when people feel hungry during the day, East Javanese people will be interested in eating clean vegetables with corn omelet, while others want Rawon with fried meat. Alternatively, people outside Java and even abroad will be different too. A person's desire will be closely related to the concept of satisfaction. On the other hand, in the era of modern society, especially in the era of post-modern society, how a person presents himself in front of others and how a person builds an identity in front of his social environment is in many ways influenced by his lifestyle and his construction in responding to the demands of society and the interests of society—the community behind it. Meanwhile, what kind of lifestyle is developed and displayed by a person in his social environment is generally influenced by the expansion of capital power or the cultural industry that deliberately designs and encourages the development of a lifestyle to benefit capital accumulation profits. Is that right?.
The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia: Pengaruh Pengetahuan, Fitur Layanan, Manfaat dan Kemudahan Terhadap Minat Nasabah dalam Menggunakan BSI Mobile Banking Pada Tahun 2021: Studi Pada BSI KCP Mojopahit 2 Kota Mojokerto Alvina Mutia Hendarti; Ana Toni Roby Candra Yudha; Rianto Anugerah Wicaksono; Maksum Maksum; Nurul Huda
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

Abstract

The development of technology is so rapid today that the banking industry must be able to provide services that can adapt to the needs and desires of customers in the current digital era, such as mobile banking. This study aims to determine the magnitude of the influence of knowledge, service features, benefits, and convenience on the interest of BSI Mojopahit 2 Mojokerto City customers in using BSI mobile banking in 2021. This study uses a quantitative research type with a sample of 100 respondents. The analysis used in this study is multiple linear regression analysis using the IBM SPSS 24 application. The results of this study show the multiple linear regression equation, namely Y = 1.433 + 0.175 X1 + 0.184 X2 + 0.219 X3 + 0.191 X4 + e. The F (simultaneous) test shows that the variables of knowledge, service features, benefits and convenience have a significant effect simultaneously or jointly on customer interest. Meanwhile, the T-test (partial) shows that the knowledge variable has a significant partial effect on customer interest. The service feature variable has a significant effect on the customer interest variable. The benefit variable has a significant effect on the customer interest variable, and the convenience variable significantly affects the customer interest variable. Moreover, the benefit variable is the variable that has the most dominant influence on the interest of BSI Mojopahit 2 Mojokerto customers in using mobile banking. Based on the results of this study, Islamic banking is expected to provide information about BSI mobile banking clearly and maintain and maximize service features, benefits and ease of use of mobile banking to increase customer interest so that the BSI mobile banking application becomes the main choice in transacting.
The Effect of Discipline, Motivation, Work Environment on Employee Performance and Their Impact on Job Satisfaction Employees at Bank Muamalat Tulungagung Branch Office: Pengaruh Disiplin, Motivasi Dan Lingkungan Kerja Terhadap Kinerja Karyawan Serta Dampaknya Terhadap Kepuasan Kerja Karyawan Bank Muamalat Kcp Tulungagung Anggi Putri Puryanti; Ahmad Supriyadi; Elok Fitriani Rafikasari
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.67-82

Abstract

Job satisfaction, in addition to performance, is a component that determines the magnitude of organizational success. Job satisfaction influences performance because it is very important for the development of the company in order to increase employee productivity and performance, with several supporting factors including motivation, discipline and work environment. This study aims to determine the effect of work discipline on employee satisfaction, motivation on employee satisfaction, work environment on employee satisfaction, work discipline on employee performance, motivation on employee performance, work environment on employee performance and discipline, motivation and work environment on employee performance and the impact on employee satisfaction of Bank Muamalat Tulungagung Branch Office. This type of study is explanatory research, and the study method is quantitative. The population in this study amounted to 30 employees. The number of samples is 30 employees using the saturated sample technique (Path). This study uses descriptive quantitative analysis and statistical analysis to determine the direct and indirect relationship between work discipline, work motivation, work environment, employee performance, and job satisfaction variables. The results obtained both partially and simultaneously show that work discipline, work motivation and work environment variables have a positive and significant impact on employee performance through job satisfaction variables with a total effect of 72.9%. In comparison, the remaining 27.7% is influenced by other factors.

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