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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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PENGEMBANGAN PRODUK PERBANKAN SYARI’AH DI INDONESIA: Sebuah Upaya Mengantisipasi Kebutuhan Pasar Ulum, Fahrur
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): April
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.2012.2.1.130-146

Abstract

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.
مقاصد الشريعة الإسلامية وضرورة الإهتمام بها عند الإستثمار في البنوك الإسلامية Ghozali, Lathoif
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 1 (2012): April
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.2012.2.1.147-163

Abstract

نقذ جاءث انشزٌؼت اإلساليٍت نزفغ انذزس ػٍ انُاس ٔدفغ انضزر ٔحذقٍق يصانخ انؼباد, ٔنخذم نٓى انطٍباث ٔحذزو ػهٍٓى انخبائذ ٔحضغ ػُٓى إصزْى ٔاألغالل انخً كاَج ػهٍٓى ٔنخصهخ شؤَٓٔى فً انؼاجم ٔاَجم, فً يقذيخٓا َٔخائجٓا. ٔإٌ يؼزفت يقاصذ انشزٌؼت حًكٍ انًسهًٍٍ يٍ انؼٍش باسخًزار حذج ظم انشزٌؼت اإلساليٍت, ٔحُظٍى شؤٌٔ دٍاحٓى ٔفقا نخٕجٍٓاث انشارع انذكٍى فخقٕو دضارحٓى ٌٔبُى ػًزاحٓى ػهى انذق ٔانؼذل. نهذٌٍ اإلساليً يقاصذ جهٍهت, ْٔذِ انًقاصذ ًْ جهب انًُفؼت ٔدفغ انًفسذة. ٔانًقاصذ اإلساليً رالرت إَٔاع إيا ضزٔرٌت ٔإيا داجٍت ٔإيا حذسٍخٍت. فانضزٔرٌت حشًم خًست أشٍاء ًْٔ دفع انذٌٍ ٔدفع انُفس ٔدفع انُسم ٔدفع انؼقم ٔدفع انًال. ْذِ األشٍاء حسًى بانضزٔرٌاث انخًس. فانًال ضزٔرة يٍ ضزٔرٌاث انذٍاة انخً ال غُى ػُٓا فً قٕحّ ٔنباسّ ٔيسك,ُّ ْٕٔ انذي ٌشبغ بّ داجاحّ انضزٔرٌت ٔانذاجٍت ٔانخذسٍٍُت. فٍجب انًذافظت ػهٍّ ألَّ يٍ ضزٔراث انذٍاة انخً البذ يُٓا نخذصٍم يصانخ انذٍَا ٔاَخزة, نذا ٔضغ اإلسالو انقٕاػذ ٔانضٕابظ نذفطّ بٕسائم إٌجابٍت ٔسهبٍت. ٔبؼذ سيٍ طٌٕم حطٕرث انًؼايهت ٔكززث انبُٕك ٔاإلسخزًاراث, ٔادخاح انُاس إنى قٕاػذ ٔضٕابظ حزشذْى إنى انطزٌق انًسخقٍى. فٓذا انبذذ انًخٕاضغ سٍخذذد إٌ شاء هللا ػٍ أًٍْت اإلْخًاو بانًقاصذ انشزٌؼت فً االسخزًار فً انبُٕك اإلساليٍت
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): April
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.2012.2.1.164-184

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): April
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.2012.2.1.185-213

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): April
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.2012.2.1.214-231

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): April
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.2012.2.1.232-256

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): October
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 Asrohah, Hanun
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): October
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 Huda, Yasrul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): October
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 Ubaidillah, M. Hasan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 2 No. 2 (2012): October
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.

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