Articles
12 Documents
Search results for
, issue
"Vol. 2 No. 1 (2012): eL-Qist:"
:
12 Documents
clear
<![CDATA[PENGEMBANGAN PRODUK PERBANKAN SYARI’AH DI INDONESIA: Sebuah Upaya Mengantisipasi Kebutuhan Pasar ]]>
<![CDATA[Ulum, Fahrur]]>
<![CDATA[ el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[Along with the development of the Islamic banking in Indonesia, the need for the development of its products is also increasing and demanding. This is of course aimed to fulfil the Islamic banking market that needs such products. The development of the Islamic banking products must be in line with the market need as well as in accordance with shariah principle and in the form of Fatwa that is produced by National Shariah Council (Dewan Syariah Nasional). Up to now, there are a few Fatwa regarding the products which are constrained to be applied and implemented in the market. There are fatwa regarding saving and deposit and financing or channeling fund and fatwa regarding treasury that must be produced sooner. In short, Product innovation that is able to penetrate the market need as well as in accordance with shariah principle absolutely needed for the Islamic banking to increase its competitiveness domestically, regionally and globally in the era of free market competition and along with the opportunities and challenges.]]>
<![CDATA[مقاصد الشريعة الإسلامية وضرورة الإهتمام بها عند الإستثمار ÙÂيالبنوك الإسلامية ]]>
<![CDATA[Ghozali, Lathoif]]>
<![CDATA[ el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[لقد جاءت الشريعة الإسلامية لرÙÂع الØÂرج عنالناس ودÙÂع الضرر وتØÂقيق مصالؠالعباد, ولتØÂÙ„ لهم الطيبات وتØÂرم عليهم الخبائث وتضع عنهم إصرهم والأغلال التيكانت عليهم ولتصلؠشؤونهم ÙÂيالعاجل والآجل, ÙÂيمقدمتها ونتائجها. وإنمعرÙÂØ© مقاصد الشريعة تمكنالمسلمينمنالعيش باستمرار تØÂت ظل الشريعة الإسلامية, وتنظيم شؤونØÂياتهم ÙˆÙÂقا لتوجيهات الشارع الØÂكيم ÙÂتقوم ØÂضارتهم ويبنى عمراتهم على الØÂÙ‚ والعدل. للدينالإسلاميمقاصد جليلة, وهذه المقاصد هيجلب المنÙÂعة ودÙÂع المÙÂسدة. والمقاصد الإسلاميثلاثة أنواع إما ضرورية وإما ØÂاجية وإما تØÂسيتية. ÙÂالضرورية تشمل خمسة أشياء وهيØÂÙÂظ الدينوØÂÙÂظ النÙÂس ÙˆØÂÙÂظ النسل ÙˆØÂÙÂظ العقل ÙˆØÂÙÂظ المال. هذه الأشياء تسمى بالضروريات الخمس. ÙÂالمال ضرورة منضروريات الØÂياة التيلا غنى عنها ÙÂيقوته ولباسه ومسكنه, وهو الذييشبع به ØÂاجاته الضرورية والØÂاجية والتØÂسينية. ÙÂيجب المØÂاÙÂظة عليه لأنه منضرورات الØÂياة التيلابد منها لتØÂصيل مصالؠالدنيا والآخرة, لذا وضع الإسلام القواعد والضوابط Ù„ØÂÙÂطه بوسائل إيجابية وسلبية. وبعد زمنطويل تطورت المعاملة وكثرت البنوك والإستثمارات, واØÂتاؠالناس إلى قواعد وضوابط ترشدهم إلى الطريق المستقيم. ÙÂهذا البØÂØ« المتواضع سيتØÂدث إنشاء الله عنأهمية الإهتمام بالمقاصد الشريعة ÙÂيالاستثمار ÙÂيالبنوك الإسلامية]]>
<![CDATA[OPERASIONALISASI PRODUK TABUNGAN MUDHARABAH DAN APLIKASINYA DI BRI SYARIAH CABANG SURABAYA DALAM PERSPEKTIF HUKUM ISLAM ]]>
<![CDATA[Yazid, Muhammad]]>
<![CDATA[ el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[This paper is the result of field research on the operationalization of mudharabah savings product and the reasons for its application in Bank Rakyat Indonesia (BRI) Sharia branch of Surabaya. This study aims to answer questions about the operationalization of mudharabah savings product at BRI Sharia branch of Surabaya and the reasons for the application of the savings product in the bank, as well as how the Islamic legal review of the the operationalization of mudharabah savings product at BRI Sharia branch of Surabaya and the reasons for its application. In this study, the method used is verificative descriptive which illustrates the operationalization of savings product and the reasons for its application in the Surabaya branch of BRI Sharia and then performed an assessment of that operationalization. From the results of the study can be obtained that the operationalization of savings product at BRI Sharia Surabaya branch of has implemented the principle of omudharabah. Furthermore, in the view of Islamic law, the operationalization was pursuant to the principles of mudharabah as determined by it. The implementation of mudharabah principle in the BRI Sharia on the grounds that with the application of it, people are more interested in the profit-sharing, where the bank and the customer do not feel disadvantaged (gains and losses are shared), because from the beginning of the contract, the profit sharing ratio is determined, so it will create distributive justice. Furthermore, the application of these savings product is charged with tax and zakat on the results obtained from the savings. With the operation of mudharabah savings at BRI Sharia branch of Surabaya, Muslims are expected to participate and be proactive in supporting and assist the development of this product. It means that Indonesian Muslims have been trying to avoid usury in their muamalah activities and more than that the bank are expected to develop and improve its products, especially funding product, so it can compete with the funding products of conventional banks, then the Islamic banks may be qualified.]]>
<![CDATA[ANALISIS TIME SERIES TERHADAP INDEKS HARGA KONSUMEN (IHK) KABUPATEN CILACAP DENGAN AUTOREGRESSIVE INTEGRATED MOVING AVERAGE DALAM PERSPEKTIF ISLAM ]]>
<![CDATA[Laili, Ummiy Fauziyah]]>
<![CDATA[ el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[The economy is one of the cornerstone of life. Economic indicators can be seen from the consumer price index which shows the rate of increase or decrease the price by year basis. The increase of prices causes inflation of the area. One of the areas in Indonesia who receives the impact of rising prices or inflation is Cilacap district. Cilacap is the largest district in Central Java that economic development would have a major impact on the economy of Central Java Province. The levels of the economy Cilacap district can be seen from the consumer price index (CPI), the higher the Consumer Price Index (CPI) will lead to increasing inflation. CPI is an index that describes the development of prices of goods and services occurs. This research has been done on the CPI forecast for some future period using the Autoregressive Integrated Moving Average (ARIMA). Data CPI in January 2009 to June 2011 are used as training data for modeling purposes and obtained the following results: Zt = 0.205744 + 1.5996) + 0.4822 Zt Zt-1-2-1.0818-3 Zt While data on the CPI from July to December 2011 is used as the testing data and the data is obtained by the model error rate 0.0893988%. Based on ARIMA model equations have been obtained, it can be used to predict the value of the Consumer Price Index (CPI) in January 2012 for 128.4362, 128.9642 by February, the month of March 2012 at 129.4865, April 2012 at 130.0053, May 2012 at 130.5222, June 2012 at 131.0378, July 2012 at 131.5527, August 2012 at 132.0672, September 2012 at 132.5814 and 133.0954 of the month in October 2012. The results of the consumer price index forecasting for the coming months look up every month, the increasing prices are possible because of mismatch between demand and supplies due to imperfect competition in the market. According to public opinion, the higher prices to be paid because people do a monopoly significantly to reduce the income of employees and the poor in general, and this is inconsistent with the spirit of the Qur'an and Sunnah, because it is not sociable and depriving the poor people also society completely.]]>
<![CDATA[KEBIJAKAN FISKAL DAN IMPLIKASINYA TERHADAP PEMBANGUNAN EKONOMI: Kajian Konseptual & Teoritis Dalam Perspektif Ekonomi Islam ]]>
<![CDATA[Mansur, Ahmad]]>
<![CDATA[ el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[Fiscal policy beside monetary policy is usually used by the government to overcome the macro economic problems regarding stabilization in the short-run such as control of inflation to make it low inflation, alleviating poverty, achieving full employment and control of balance of payment to make it in balance or even surplus and in the long-run achieving economic growth, prosperity and sustainable economic development. This research tries to investigate the role of fiscal policy and its implication on economic development in an Islamic perspective conceptually and theoretically. It found that the instrument of fiscal policy in an Islamic perspective not only using tax and government expenditure but also zakah which could be utilized to counter cyclical fiscal policy. Zakah as one of the instrument of fiscal policy could also be utilized to achieve equitable distribution of income and wealth as the basic characteristic of zakah is redistribution of wealth taken from the rich and given to the poor ones. In the time of stagflation, zakah instrument could become powerful tool to overcome that problem through demand side and thus stimulate production. Although this mechanism is not as simple as we perceived, zakah does help overcome the macroeconomic problems on conditions that we also adopt and implement Islamic values and Islamic norms in our economy.]]>
<![CDATA[ANGGARAN PENDAPATAN BELANJA NEGARA (APBN) PEMERINTAHAN ISLAM: Wacana Politik Ekonomi Islam ]]>
<![CDATA[Rahmawati, Lilik]]>
<![CDATA[ el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
<![CDATA[The current domination of conventional economics makes Muslims are faced with historical expectations, as well as a considerable challenge, especially with regard to the economic system. The current world economic system, that is capitalism, has a basic principle of maximum benefit with limited resources. Efforts of capitalist are supported by the values of freedom to fulfill the needs. Humans have broad freedom to own property. This principle is incompatible with the principles of Islamic economics which recognizes the freedom of man on the values of tawhid, the right to own property on the basis of the benefit, prohibiting the accumulation of property, and equitable distribution of wealth. Related to the fulfillment of human needs, then its mechanism in Islam is set within a country. Islamic countries are very significant role in ensuring the welfare and needs of its people. In order to ensure the welfare of the people, the state will perform a variety of budget-related policies are referred to the State Budget (Budget). Budget policy in Islam is regulated through the institution called Baitul Mal. The basic concept for the allocation of Islamic government revenue is maslahah, because the ultimate goal of every Islamic government is to maximize the welfare of all citizens, ensure the fulfillment of basic needs of each individual as a whole, and encourage every individual to be able to meet his various secondary and luxurious needs according to his ability levels. Therefore, the government is obliged to create a fair economic distribution mechanism. Permanent sources of income for an Islamic state are fai', ghanimah, kharaj, jizya', ushur, and khums. While charity (zakat) is a tool of auto social self-help that becomes a moral obligation for the rich to help the needy and neglected.]]>
<![CDATA[PENGEMBANGAN PRODUK PERBANKAN SYARI’AH DI INDONESIA: Sebuah Upaya Mengantisipasi Kebutuhan Pasar ]]>
<![CDATA[Fahrur Ulum]]>
<![CDATA[ El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[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.2012.2.1.130-146
<![CDATA[Along with the development of the Islamic banking in Indonesia, the need for the development of its products is also increasing and demanding. This is of course aimed to fulfil the Islamic banking market that needs such products. The development of the Islamic banking products must be in line with the market need as well as in accordance with shariah principle and in the form of Fatwa that is produced by National Shariah Council (Dewan Syariah Nasional). Up to now, there are a few Fatwa regarding the products which are constrained to be applied and implemented in the market. There are fatwa regarding saving and deposit and financing or channeling fund and fatwa regarding treasury that must be produced sooner. In short, Product innovation that is able to penetrate the market need as well as in accordance with shariah principle absolutely needed for the Islamic banking to increase its competitiveness domestically, regionally and globally in the era of free market competition and along with the opportunities and challenges.]]>
<![CDATA[مقاصد الشريعة الإسلامية وضرورة الإهتمام بها عند الإستثمار ÙÙŠ البنوك الإسلامية ]]>
<![CDATA[Lathoif Ghozali]]>
<![CDATA[ El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[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.2012.2.1.147-163
<![CDATA[لقد جاءت الشريعة الإسلامية لرÙع الØرج عن الناس ودÙع الضرر وتØقيق Ù…ØµØ§Ù„Ø Ø§Ù„Ø¹Ø¨Ø§Ø¯, ولتØÙ„ لهم الطيبات وتØرم عليهم الخبائث وتضع عنهم إصرهم والأغلال التي كانت عليهم ÙˆÙ„ØªØµÙ„Ø Ø´Ø¤ÙˆÙ†Ù‡Ù… ÙÙŠ العاجل والآجل, ÙÙŠ مقدمتها ونتائجها. وإن معرÙØ© مقاصد الشريعة تمكن المسلمين من العيش باستمرار تØت ظل الشريعة الإسلامية, وتنظيم شؤون Øياتهم ÙˆÙقا لتوجيهات الشارع الØكيم Ùتقوم Øضارتهم ويبنى عمراتهم على الØÙ‚ والعدل. للدين الإسلامي مقاصد جليلة, وهذه المقاصد هي جلب المنÙعة ودÙع المÙسدة. والمقاصد الإسلامي ثلاثة أنواع إما ضرورية وإما Øاجية وإما تØسيتية. Ùالضرورية تشمل خمسة أشياء وهي ØÙظ الدين ÙˆØÙظ النÙس ÙˆØÙظ النسل ÙˆØÙظ العقل ÙˆØÙظ المال. هذه الأشياء تسمى بالضروريات الخمس. Ùالمال ضرورة من ضروريات الØياة التي لا غنى عنها ÙÙŠ قوته ولباسه ومسكنه, وهو الذي يشبع به Øاجاته الضرورية والØاجية والتØسينية. Ùيجب المØاÙظة عليه لأنه من ضرورات الØياة التي لابد منها لتØصيل Ù…ØµØ§Ù„Ø Ø§Ù„Ø¯Ù†ÙŠØ§ والآخرة, لذا وضع الإسلام القواعد والضوابط Ù„ØÙطه بوسائل إيجابية وسلبية. وبعد زمن طويل تطورت المعاملة وكثرت البنوك والإستثمارات, واØØªØ§Ø Ø§Ù„Ù†Ø§Ø³ إلى قواعد وضوابط ترشدهم إلى الطريق المستقيم. Ùهذا البØØ« المتواضع سيتØدث إن شاء الله عن أهمية الإهتمام بالمقاصد الشريعة ÙÙŠ الاستثمار ÙÙŠ البنوك الإسلامية]]>
<![CDATA[OPERASIONALISASI PRODUK TABUNGAN MUDHARABAH DAN APLIKASINYA DI BRI SYARIAH CABANG SURABAYA DALAM PERSPEKTIF HUKUM ISLAM ]]>
<![CDATA[Muhammad Yazid]]>
<![CDATA[ El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[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.2012.2.1.164-184
<![CDATA[This paper is the result of field research on the operationalization of mudharabah savings product and the reasons for its application in Bank Rakyat Indonesia (BRI) Sharia branch of Surabaya. This study aims to answer questions about the operationalization of mudharabah savings product at BRI Sharia branch of Surabaya and the reasons for the application of the savings product in the bank, as well as how the Islamic legal review of the the operationalization of mudharabah savings product at BRI Sharia branch of Surabaya and the reasons for its application. In this study, the method used is verificative descriptive which illustrates the operationalization of savings product and the reasons for its application in the Surabaya branch of BRI Sharia and then performed an assessment of that operationalization. From the results of the study can be obtained that the operationalization of savings product at BRI Sharia Surabaya branch of has implemented the principle of omudharabah. Furthermore, in the view of Islamic law, the operationalization was pursuant to the principles of mudharabah as determined by it. The implementation of mudharabah principle in the BRI Sharia on the grounds that with the application of it, people are more interested in the profit-sharing, where the bank and the customer do not feel disadvantaged (gains and losses are shared), because from the beginning of the contract, the profit sharing ratio is determined, so it will create distributive justice. Furthermore, the application of these savings product is charged with tax and zakat on the results obtained from the savings. With the operation of mudharabah savings at BRI Sharia branch of Surabaya, Muslims are expected to participate and be proactive in supporting and assist the development of this product. It means that Indonesian Muslims have been trying to avoid usury in their muamalah activities and more than that the bank are expected to develop and improve its products, especially funding product, so it can compete with the funding products of conventional banks, then the Islamic banks may be qualified.]]>
<![CDATA[ANALISIS TIME SERIES TERHADAP INDEKS HARGA KONSUMEN (IHK) KABUPATEN CILACAP DENGAN AUTOREGRESSIVE INTEGRATED MOVING AVERAGE DALAM PERSPEKTIF ISLAM ]]>
<![CDATA[Ummiy Fauziyah Laili]]>
<![CDATA[ El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist: ]]>
Publisher : <![CDATA[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.2012.2.1.185-213
<![CDATA[The economy is one of the cornerstone of life. Economic indicators can be seen from the consumer price index which shows the rate of increase or decrease the price by year basis. The increase of prices causes inflation of the area. One of the areas in Indonesia who receives the impact of rising prices or inflation is Cilacap district. Cilacap is the largest district in Central Java that economic development would have a major impact on the economy of Central Java Province. The levels of the economy Cilacap district can be seen from the consumer price index (CPI), the higher the Consumer Price Index (CPI) will lead to increasing inflation. CPI is an index that describes the development of prices of goods and services occurs. This research has been done on the CPI forecast for some future period using the Autoregressive Integrated Moving Average (ARIMA). Data CPI in January 2009 to June 2011 are used as training data for modeling purposes and obtained the following results: Zt = 0.205744 + 1.5996) + 0.4822 Zt Zt-1-2-1.0818-3 Zt While data on the CPI from July to December 2011 is used as the testing data and the data is obtained by the model error rate 0.0893988%. Based on ARIMA model equations have been obtained, it can be used to predict the value of the Consumer Price Index (CPI) in January 2012 for 128.4362, 128.9642 by February, the month of March 2012 at 129.4865, April 2012 at 130.0053, May 2012 at 130.5222, June 2012 at 131.0378, July 2012 at 131.5527, August 2012 at 132.0672, September 2012 at 132.5814 and 133.0954 of the month in October 2012. The results of the consumer price index forecasting for the coming months look up every month, the increasing prices are possible because of mismatch between demand and supplies due to imperfect competition in the market. According to public opinion, the higher prices to be paid because people do a monopoly significantly to reduce the income of employees and the poor in general, and this is inconsistent with the spirit of the Qur'an and Sunnah, because it is not sociable and depriving the poor people also society completely.]]>
