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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 423 Documents
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TANGGUNGJAWAB LEMBAGA EKONOMI ISLAM DALAM MENTRANSFORMASI MUSTAHIQ MENJADI MUZAKKI Muhammad Nafik H.R
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): 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.2012.2.2.257-278

Abstract

Islam tidak memisahkan antara aqidah, ibadah dan muamalah, melainkan ketiganya merupakan satu kesatuan yang harus dijalankan secara kaffah. Muamalah merupakan ajaran Islam yang mengatur kehidupan sosial manusia termasuk aturan-aturan tentang perekonomian. Ibnu Khaldum dalam Chapra (2001:127) mengekspresikan hubungan fungsional dari otoritas pemerintah (G) adalah fungsi dari syariah (S), sumber daya insani (N), keadilan (j), pertumbuhan (g), dan kekayaan atau harta (W) atau G = f (S,N,W, g dan j). Hubungan fungsional variabel-variabel tersebut dapat digambarkan seperti Gambar 2.1. Model pada Gambar 2.1, tersebut menghubungkan semua variabel politik dan sosio ekonomi yang penting, yaitu Syariah (S), otoritas pemerintah atau wazi (G), manusia atau rijal (N), harta benda atau maal (W), pembangunan atau imarah (g) dan keadilan atau al-adl (j). Model hubungan antara variabel-variabel tersebut dikenal dengan Daur Keadilan (Circle of Equity).
WAQF AND ITS CONTRIBUTION IN EDUCATION IN HISTORICAL PERSPECTIVE Hanun Asrohah
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): 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.2012.2.2.279-292

Abstract

In classical Islamic education endowments have a close relationship with waqf institutions. Waqf institutions were financial resources for the activities of Islamic education that Islamic education could evolve rapidly. The existence of the Islamic waqf institution was caused by the Islamic economic system, which assumes that the economy was closely linked to the Muslims faith. Beside that, a balance between the economy and the welfare of Muslime people so that economic activities represented of worship and waqf became a way to closer to Allah and the common good. Therefore, when the Islamic economic progress, Muslims did not hesitate to spend money for the sake of religion and the welfare of Muslims. Driven by the teachings of Islam that respects the function of education for the advancement of religion and state, they feel compelled to spend their wealth for the implementation of education, and ultimately developing advanced Islamic education. Because of loving knowledge, raises the need to develop education by establishing institutions to teach and develop the science. With spearheaded by the Islamic rulers who love science, such as Harun al-Rashid and al-Ma'mun, stand up educational institutions for scientific activities, such as translation activities established by Harun al-Rashid, who at the time of al-Ma ' But the operation is perfect that resulted in the establishment Bait al-Hikmah. In further developments, the need to establish educational institutions create ideas about the need for charitable organizations that will be a source of financial institutions. Endowments role in supporting the implementation of education. With endowments, Muslims get the ease of study. Because of endowments, Islamic education was not too demanding a lot of cost for students so that they are either poor or rich have the opportunity to learned equally. Therefore, students and teachers were encouraged to perform a scientific journey.
ZAKAT INSTITUTION UNDER THE GOVERNMENT: POLITICAL INTEREST, CHARITY AND RESISTANCE Yasrul Huda
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): 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.2012.2.2.293-310

Abstract

This article investigates an involvement of the government of the Municipaltiy of Padang in West Sumatra in managing zakat institution, namely BAZDA (Badan Amil Zakat Daerah). It argues that the intentions of the mayor in managing the zakat institution aimed to provide an alternative financial source in order to support his position at the mayor. Zakat payers (Muzakki), collector (ʿamil), kinds of property obligated to pay its zakat (māl) and recipients (mustaḥiq) are mainly the matters that link to his authority. The zakat revenue initially was mainly distributed to recipients in form of charity, but since 2010 it has gradually shifted to financialize busninesse run by the poor and needy. The mayor received resistances from many people, but they are mainly in form of individual resistance that are lacking to force the mayor to change his policy. In addition, the emerging resistance is rooted in different values between the mayor and resisters.
MANFAAT WAKAF TUNAI DALAM PEMBANGUNAN EKONOMI UMMAT M. Hasan Ubaidillah
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): 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.2012.2.2.311-336

Abstract

Waqf is part of Islamic economics system development that really potential as one of instrument to empowering economy of Islamic people. waqf can include as jariyah's charitable wichs is the reward never hangs up, although someone who gives waqf passed away. To the effect main investment waqf fund is subject to be optimize asset waqf function as medium to increase life quality and human's resource life. One of kind waqf is cash waqf. Cash waqf as smooth asset. The management cash waqf that professional shall, transparent and gets responsibility. Reliable institutes and criterion pock to bring off cash waqf is Syari's financial institutions . With involve Syariah's financial institution in waqf's management cash, therefore besides productive, waqf will can be invested to various investment type that advantages. Cash waqf constitutes one of sector element voluntary one that strongest deep Islamic. Cash waqf also give model mutual fund via mobilization lents fund tilled immortal through professionalism daring that trust in fund management -the. Forwards, waqf as one of voluntary fund in Islam will can become owner Islam trust, which is most composes fair society.
DINAMIKA DAN PROBLEMATIKA ASURANSI SYARIAH: Mekanisme Kerja Asuransi Syariah & Prosedur Pembayaran Klaim Sulistyowati Sulistyowati
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): 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.2012.2.2.337-366

Abstract

The mechanism of action of sharia insurance is essential to distinguish between Shariah insurance with conventional insurance lies in how the work is done from the premium deposits, investment funds, to the payment of insurance claims to participants stricken or disaster. Everything is summed up in the concept of the working mechanism Shariah insurance. Discussion about the mechanism of action or Shariah insurance, will be divided in two basic discussion in accordance with Shariah insurance payment itself, the family insurance and insurance Shari'ah common. This division is very important to do considering the mechanism of action of these two Shariah suransi it memuliki little difference, namely in the management of premiums paid to insurance companies Shari'ah. Difference arises because "something" that is to be insuranced is different, if in general insurance (loss) the insured's property or the property insurance participants, whereas in family insurance (life) which is self-insured insurance participants themselves. While the claims payment procedure is no difference between a family Takaful and Takaful general. The difference lies in the source of payment of claims. For the payment of claims to family Takaful insurance participants apart from savings and profit sharing of investment is also sourced from the savings tabarru', whereas in the general Takaful is not a savings tabarru' but the pristine source of savings and profit sharing insurance participants, while the payment of claims to do participants at the stricken insurance or out of contract or insurance participants withdrew into Islamic insurance company clients and most importantly Takaful insurance is not the same as conventional.
PENGELOMPOKAN KABUPATEN/KOTA DI JAWA TIMUR BERDASARKAN VARIABEL-VARIABEL INDEKS PEMBANGUNAN MANUSIA Andita Desy Wulansari
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): 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.2012.2.2.367-386

Abstract

Human Development Index (HDI) is a composite indicator (combined), which is linked to several variables. This indicator can be beneficial if done properly use the comparison across time and across regions, so that the relative position of a region to another region can be determined as well as the progress and achievement comparison with other areas may also be covered. In general, indicators are useful as an advocacy tool for formulators and decision makers in each region, particularly with regard to public policy is selected and set. Utilization HDI indicators can be used more widely, especially in the context of regional autonomy emphasis on districts / cities, where most of the powers, functions and duties have been transferred to local government autonomy. Thus monitoring the development of self-government performance can be evaluated. East Java is a province with a number of districts / cities most in Java, consists of 29 counties and 9 cities. Respective districts / cities in East Java has the characteristics of the population, condition of the area and can not be equated wisdom for all areas depending on their individual requirements. Can also informed that, based on the 2008 national HDI ranking of East Java Province was ranked 18 out of 33 provinces in Indonesia. When compared to the HDI provinces in Java, East Java Province just better than Banten province who is ranked 23. In order to help resolve issues relating to equitable development in the health sector, education and the economy, it is necessary information about the grouping of districts / cities in East Java Province. In this study, the grouping of districts / cities in East Java is done by principal component analysis and cluster analysis to the non hierarchical / K-Means. With a non-hierarchical grouping the regions that have similar properties to form a single group. Grouping districts / cities in East Java based IPM variables divided into 2 groups: the high-potential areas in group 1 and low potential areas in group 2. Based on the analysis of data obtained in the regions of the incoming group 1 there were 24 districts/cities and 13 districts/cities rest went in groups of 2.
إدارة الانفاق والزكاة والوقف في البنك الصغير الإسلامي بكلية الشريعة جامعة إسلامية حكومية سونان أمبيل سورابايا نور ليلة المشفعة
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): 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.2014.4.1.647-663

Abstract

هذه المقالة كتبت عن عملية الإنفاق والزكاة والوقف في البنك الصغير الإسلامي. البنك الصغير الإسلامي هو معمل لتعليم وعملية البنك في كلية الشريعة جامعة إسلامية حكومية سونان أمبيل سورابايا. للبنك أهداف ثلاثة هي الهدف في التجارة والتبرع والتربية. الإنفاق والزكاة والوقف نوع من التبرع، ولإدارتها أقيم قسم خاص سمي ب UPI ZAWA. خلال مايو 2007 إلى أكتوبر 2012، مقدار أموال الإنفاق والزكاة الذي يدخل في UPI ZAWA هو 114..406.332 روبية، وتم توزيعه قدر 85.842.758 روبية. وأما الوقف الذي أداره UPI ZAWA هو الوقف النقدي الذي تم جمعه من السنة 2010 إلى السنة 2012 قدر 12.140.000 روبية، واستثمره بالبنك حتى حصل الربح 1.225.094 روبية. الهدف من الوقف النقدي هو لمصلحة التربية الإسلامية. لإدارة الإنفاق والزكاة والوقف في البنك الصغير الإسلامي عوامل دافعة وعوامل مانعة. من العوامل الدافعة هي أن جميع موظفي وطلاب الجامعة مسلمون، ومعظم موظفيها موظفون حكوميون، وللمدرسين شهادة التدريس. من هذه العوامل نعرف بأن أكثر سكان الجامعة يفهمون عن مشروعية التبرع ولهم رواتب كافية لاستخراج منها للتبرع. من العوامل المانعة هي نقصان إعلان UPI ZAWA في الجامعة، وعدم أمر رئيس الجامعة لموظفيها باستلام الزكاة إلى UPI ZAWA. بوجود العوامل السابقة، على قسم التبرع بالبنك أن يزيد جهده أكثر في ترقية إدارة الانفاق والزكاة والوقف في البنك الصغير الإسلامي حتى يستفيده كثير من المسلمين. الكلمات الأساسية: الانفاق، الزكاة، الوقف، البنك الصغير الإسلامي Abstrak: Tulisan ini membahas tentang praktek infak, zakat, dan wakaf di Bank Mini Syariah. Bank Mini Syariah adalah bank yang didirikan sebagai laboratorium dalam pembelajaran dan praktek perbankan di Fakultas Syariah IAIN Sunan Ampel Surabaya. Sebagai laboratorium perbankan, bank tersebut memiliki produk bisnis, sosial dan pendidikan. Untuk menangani produk sosial, dibentuk Unit Pengelola Infak, Zakat, dan Wakaf yang disingkat menjadi UPI ZAWA. Selama berdirinya Bank Mini Syariah hingga saat ini, 2007-2012, dana infak dan zakat yang masuk di UPI ZAWA sebesar 114.406.332 rupiah dan telah disalurkan sebanyak 85.842.758. Sedangkan wakaf yang dikelola adalah wakaf uang. Wakaf uang yang terkumpul dari tahun 2010-2012 sebesar 12.140.000.00 dengan laba 1.225.094.20 . Wakaf uang tersebut rencananya akan digunakan untuk kemaslahatan pendidikan. Terdapat beberapa faktor penunjang bagi perkembangan infak, zakat dan wakaf di Bank Mini Syariah, diantaranya, seluruh pegawai IAIN Sunan Ampel adalah muslim, adanya sertifikasi dosen dan hampir semua pegawai IAIN Sunan Ampel adalah pegawai negeri. Adapun faktor penghambat yang menyebabkan kurang optimalnya pelaksanaan infak, zakat, dan wakaf adalah kurangnya sosialisasi adanya UPI ZAWA di BMS, dan belum adanya kebijakan institusi kepada pegawai IAIN Sunan Ampel untuk menyalurkan infak, zakat, dan wakaf di UPI ZAWA. Berdasarkan faktor pendorong dan penghambat tersebut, hendaknya pengelola UPI ZAWA lebih mengoptimalkan kinerjanya sehingga dapat mengelola infak, zakat, dan wakaf dengan lebih baik.
RESPONS MASYARAKAT TERHADAP STRATEGI KJKS BMT NU GAPURA SUMENEP DALAM MENGURANGI KETERGANTUNGAN PADA RENTENIR Abu Azam Al-Hadi; Faizatul Fitriyah
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): 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.2014.4.1.664-688

Abstract

This research data was compiled by using interview techniques and documentation. Furthermore, the data that has been collected is analyzed using descriptive analysis method, which is a method of describing and interpreting the data that has been collected using inductive mindset. The results of this research concluded that the existence of interesting strategies applied by KJKS BMT NU Gapura Sumenep turned out to be able to reduce the reliance of society against loan sharks. The strategy that is carried out by means of product innovation, service which is easy and convenient, and socialization. These strategies become the differentiating factors between KJKS BMT NU with the moneylenders. In practice of the moneylenders, if the borrower cannot afford the repayments, the interest expenses continue to grow so that it can be troublesome to the borrower. While KJKS BMT NU encourages customers to give some favors, for example by Qardlul Hasan. In the provision of services to communities in need of capital, KJKS BMT NU applies different from other institutions which is very administrative in giving loans to people who need venture capital. If the person is capable and responsible for developing his business, from the results of the interview, KJKS BMT NU will give venture capital loans according to needs and abilities of the applicant. Another strategy is the socializing done KJKS BMT NU form silaturrahim between officers of NU, both branches and twigs, with the aim of disseminating the existence of financial institutions that serve to prosper the people's economy. So many clients claimed to be pleased with the presence of KJKS BMT NU because many helps by developing effort through venture capital loan.
PENGARUH TINGKAT PROFITABILITAS DAN LIKUIDITAS TERHADAP KECUKUPAN MODAL PADA BANK TABUNGAN NEGARA SYARIAH CABANG DIPONEGORO SURABAYA Nurlailah Nurlailah
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): 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.2014.4.1.689-705

Abstract

This study uses secondary data from the financial statements of Islamic State Savings Bank (BTN Syariah) Branch Diponegoro Surabaya per quarter over the period 2010 – 2012. Analytical technique used is multiple linear regressions with a coefficient of multiple determination tests fitted the classic assumptions including relevant test, autocorrelation, normality tests, and heteroskedasticity to make sure that those assumptions are met by the model used in this study. Hypothesis testing uses a t-test for testing the partial regression coefficients and F-test statistics for the simultaneous regression coefficients testing on a significant level of 5%. During the period of observation on the basis of relevant test, autocorrelation, and heteroskedasticity not found variables that deviate from the classical assumptions. In addition, this research indicates the Gaussian normal; this shows that the available data are qualified to use multiple linear regression equations of the model. The results showed that ROA partially influence significantly to CAR because it has a value smaller than 5% (0.05) significance. While ROE and FDR partially do not affect significantly to CAR on Sharia State Savings Bank Branch Diponegoro Surabaya because t-count is smaller than t-tabel. However, simultaneously, ROA, ROE, and FDR proved influential significantly to CAR because it has a value smaller than 0.05 and F-count greater than F-table. The role of the management of assets and liabilities is quite important in generating the level of profitability. Similarly, the performance of the management of liquidity contributes to the achievement of efficiency means that bank. It was followed by pretty invlovement of liability and capital management in boosting the level of efficiency of the bank. Such a condition should be noted by the management of Islamic banks that managerial policies in the above three areas need to be constantly improved because it has been proven to contribute to the efficiency of the Islamic banking business.
PENGARUH TINGKAT PEMBIAYAAN MUDHARABAH TERHADAP TINGKAT RASIO PROFITABILITAS PADA KOPERASI JASA KEUANGAN SYARIAH (KJKS) MANFAAT SURABAYA Imam Buchori; Aji Prasetyo
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): 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.2014.4.1.706-734

Abstract

Many financial institutions those were born with the Shariah-based in Indonesia--including non-bank financial institutions, among them are Islamic insurance, Shariah pawnshop, Shariah financial services cooperatives, and more. Shariah-compliant financial services cooperatives (KJKS) Manfaat Surabaya is still classified as "new" in Indonesia, in which retained the principle of kinship as a guide of the cooperative itself. Various systems were much changed, from conventional systems to the Islamic system, especially in terms of contract and financial accounting standards. Then came the question, whether the views of society and the level of public confidence as well as different? Of course a lot of things to be able to prove from the above questions, one of which is the level of profitability, as well as a large number of levels KJKS Groove financing given to the community. The greater the level of profitability means the level of public confidence about the existence of KJKS in Indonesia also getting bigger. Many financing products of KJKS Manfaat are given to the public, one of which is the mudharabah financing which is very influential on the profit orientation of each financial institution of Sharia. This research is the kind of quantitative research with data analysis using simple regression and t tests to find out the significance of the influence of mudharabah financing against a ratio of profitability in KJKS Manfaat Surabaya.

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