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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 249 Documents
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OPERASIONALISASI PRODUK TABUNGAN MUDHARABAH DAN APLIKASINYA DI BRI SYARIAH CABANG SURABAYA DALAM PERSPEKTIF HUKUM ISLAM Yazid, Muhammad
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

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.
ANALISIS TIME SERIES TERHADAP INDEKS HARGA KONSUMEN (IHK) KABUPATEN CILACAP DENGAN AUTOREGRESSIVE INTEGRATED MOVING AVERAGE DALAM PERSPEKTIF ISLAM Laili, Ummiy Fauziyah
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

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.
KEBIJAKAN FISKAL DAN IMPLIKASINYA TERHADAP PEMBANGUNAN EKONOMI: Kajian Konseptual & Teoritis Dalam Perspektif Ekonomi Islam Mansur, Ahmad
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

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.
ANGGARAN PENDAPATAN BELANJA NEGARA (APBN) PEMERINTAHAN ISLAM: Wacana Politik Ekonomi Islam Rahmawati, Lilik
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

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.
TANGGUNGJAWAB LEMBAGA EKONOMI ISLAM DALAM MENTRANSFORMASI MUSTAHIQ MENJADI MUZAKKI H.R, Muhammad Nafik
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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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 Asrohah, Hanun
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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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 Huda, Yasrul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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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 Ubaidillah, M. Hasan
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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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 : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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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 Wulansari, Andita Desy
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): eL-Qist:
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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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.

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