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Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Negeri Kudus
ISSN : 25023993     EISSN : 19790724     DOI : http://dx.doi.org/10.21043/iqtishadia.v17i2
Core Subject : Economy,
Economics, Econometrics & Finance
IQTISHADIA, particularly focuses on the main problems in the development of the sciences of Islamic Economics and Business areas. It covers: Islamic Management Islamic Banking Islamic Microfinance Islamic Marketing Islamic Human Resources Islamic Finance Zakah ,Waqf and Poverty Alleviation Islamic Public Finance Islamic Monetary Islamic Economic Development Maqasid al-Sharia Institutional Economics Behavioural Economics and Finance Corporate Governance Risk Management Islamic law and Shariah issues in economics and Finance Securitization and Sukuk Islamic Capital Markets Insurance and Takaful Corporate Social Responsibility in Islam Other topics which related to this area.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 341 Documents
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Determinan Dana Pihak Ketiga Bank Syariah di Indonesia: Model Vector Autoregresive Harahap, Darwis
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2432

Abstract

One of the performance indicators in Islamic banking industry is a third party fund. This study aims to analyze the determinant factors of the third party funds in the Indonesian Islamic banking industry. The method that used in this study is vector auto regressive (VAR). The variables in this study are capital adequacy ratio (CAR), non-performing financing (NPF), and financial to deposit ratio (FDR) as a benchmark of the financial performance of Islamic banking. The results of causality test results shows that the CAR does not affect LDPK, while LDPK affects CAR. NPF relationship with LDPK equally doesnt had an affects. Co-integration Test Results do not find co-integration equation, so there is no long-term relationship between the variables LDPK, CAR, NPF and FDR. Relationships occur only in the short term. The result of Vector Auto Regressive (VAR) test of impulse response function (IRF), variable shock causes disturbance variable itself and other variables in different variations. Salah satu indikator kinerja dari industri perbankan syariah ialah dana pihak ketiga. Penelitian ini bertujuan untuk melihat faktor yang memengaruhi dana pihak ketiga pada industri perbankan syariah di Indonesia. Penelitian ini menggunakan metode vector auto regressive (VAR). Variabel yang dipergunakan ialah rasio kecukupan modal (CAR), tingkat pembiayaan bermasalah (NPF), dan tingkat likuiditas (FDR) sebagai acuan kinerja keuangan dari industri perbankan syariah. Hasil uji kausalitas menunjukkan bahwa CAR tidak mempengaruhi LDPK. Sementara LDPK mempengaruhi CAR. Hubungan NPF dengan LDPK sama-sama tidak mempengaruhi. Hasil Uji Kointegrasi tidak ditemukan persamaan kointegrasi maka tidak terdapat hubungan jangka panjang antara variabel LDPK, CAR, NPF dan FDR. Hubungan yang terjadi hanya dalam jangka pendek. Hasil Analisis Vector Auto Regessive (VAR) dengan Analisis impulse response function (IRF) goncangan variabel menyebabkan ganguan variabel itu sendiri dan variabel lain dalam berbagai variasi.
ANALISIS PENGARUH KOMPETENSI DAN INDEPENDENSI TERHADAP KUALITAS AUDIT Dwiyanti, Alfiyah Ariani; Fanani, Zaenal
IQTISHADIA Vol 7, No 1 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i1.1098

Abstract

Tujuan penelitian ini untuk mengetahui dan menganalisis pengaruh kompetensi dan independensi terhadap kualitas audit. Penelitian ini tergolong ke dalam  penelitian eksplanatori. Populasi dalam penelitian ini adalah seluruh staf akuntan publik yang terdaftar dan bekerja pada Kantor Akuntan Publik (KAP) di Surabaya. Hasil penelitian menunjukkan  bahwa variabel kompetensi mempunyai pengaruh terhadap kualitas audit. Kecerdasan emosional sebagai variabel  moderasi  mampu memperkuat pengaruh  kompetensi terhadap  kualitas  audit yang  dihasilkan  auditor.  Kecerdasan emosional   membuat auditor terampil  dalam   berkomunikasi sehingga dapat memperoleh informasi yang membuatnya semakin memahami  kondisi perusahaan kliennya. Variabel independensi memiliki pengaruh terhadap kualitas audit.Kata Kunci:  kompetensi, independensi , kecerdasan, kualitasEFFECT ANALYSIS OF COMPETENCY AND INDEPEN- DENCY TOWARD AUIDIT QUALITI. This article under-standing and analysing effect of competence toward audit quality. This is an explanatory  research. Populations are public acountant working in Public Accountant   Office of Surabaya. Result shows that competence   effects  audit quality.  Emotional  quotient as moderating variable strengthens effect of competence towards audit quality. Emotional quotient helps auditor to communicate with the client to collect information  about client’s company. Independency variable effect audit quality.Keywords:  Competency, Independency, Quotient, Quality
ANALYSIS OF INDONESIA’S ISLAMIC BANKING BANKRUPTCY PREDICTION FOR PERIOD 2014-2016 Bawono, Anton; Setyaningrum, Aisyah
IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3141

Abstract

The background of this study was based on market share of Isalmic banks in which it is only 5% of National Banks in Indonesia. This indicates ineffective Islamic banks performance. Therefore it will lead to the bankruptcy. Assessing bankruptcy required deep assessment of company performance through its financial ratios; these are Working Capital to Total Assets (WCTA), Earnings Before Interest and Tax to Total Assets (EBITTA), Retained Earnings to Total Assets (RETA) and Book Value of Equity to Book Value of Total Debt (BVEBVTD). The purpose of this study was intended to explain about the influence of those financial ratios on bankruptcy prediction of banks based on Altman Z-Score Model.The data was conducted through indirect observation from quarterly financial report of banks for period 2014-2016. The samples were 11 Sharia banks from 13 Sharia banks listed on Indonesia Financial Services Authority (OJK-RI) by January 2017. The process of analysis was started by conducting Stationery analysis then Regression analysis, the test of assumptions and Multiple Discriminant Analysis (MDA).The result suggests that WCTA, EBITTA and BVEBVTD variable show positive and significance effect on bankruptcy prediction, while the RETA variable shows negative and insignificance. Based on this study, there are only two variables, WCTA and BVEBVTD, that couldpredict bankruptcy with 98.2% accuracy.
Intellectual Capital and Islamic Banks Performance; Evidence from Indonesia and Malaysia Setianto, Rahmat Heru; Sukmana, Raditya
IQTISHADIA Vol 9, No 2 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i2.1736

Abstract

IMPLEMENTASI KHARJ MASA DINASTY UMAYYAH Hasan, Sofa
IQTISHADIA Vol 7, No 2 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i2.1089

Abstract

Studi ini ingin  mengetahui  implementasi  pengelolaan  sumber pendapatan negara pada masa dinasti Umayyah (Umar ibn Abd Azis). Sejak berdirinya dinasti Bani Umayyah, pengelolaan harta kaum Muslimin tidak lepas dari pengaruh politik  yang terjadi pada saat itu yang menyebabkan terjadinya banyak pelanggaran terjadi dalam pengelolaannya. Kajian ini menggunakan metode penelitian deskriptif kualitatif  dengan analisa interpretative dan historis. Hasil analisa menemukan  keberhasilan pengelolaan kharj yang pada masa ini meliputi penarikan kharj serta penyaluran kharj.  Adapun dampak pengelolaan   tersebut   dapat dilihat dalam  berbagai bidang , diantaranya   bidang  pertanian,  bidang perniagaan dan sosial politik.Kata kunci: kharj, implementasi, pengelolaan.
The Relationship between Love of Money, Islamic Religiosity and Life Satisfaction: a Muslim’s Perspective Hoetoro, Arif -
IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i1.7333

Abstract

This research scrutinizes the relationship between Love of Money (LOM), hedonic behavior and Islamic religiosity in pursuing life satisfaction in consumption. By utilizing accidental sampling method, the research then employed 99 customers who spent their money in one of the biggest department stores in Malang City. The calculation of data with SmartPLS-3.1.8 revealed that Islamic religiosity significantly affects live satisfaction (β = 0.290; ρ-value = 0.003). In the same time, LOM significantly influences hedonic behavior (β = 0.417; ρ-value = 0.000). However, hedonic behavior does not mediate the relationship between LOM and life satisfaction. This study accordingly concludes that Islamic religiosity plays a main role in consumption. Therefore, it is suggested that every Muslim have to instill Islamic religiosity in daily activities for obtaining life satisfaction.      
PERAN BANK SYARIAH DALAM PENYALURAN DANA BAGI USAHA MIKRO KECIL DAN MENENGAH (UMKM) Zamroni, Zamroni
IQTISHADIA Vol 6, No 2 (2013): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v6i2.1112

Abstract

Tulisan ini membahas tentang peranan lembaga perbankan syariah dalam  rangka  mendukung  perekonomian  Indonesia. Besarnya porsi pembiayaan yang disalurkan ke sektor Usaha Mikro Kecil dan Menengah  (UMKM) memberikan  bukti komitmen  bank syariah  terhadap  pemberdayaan   ekonomi   rakyat.  Penelitian ini menggunakan   pendekatan kualitatif    deskriptif.  Dalam menganalisis  data, peneliti  menggunakan  metode triangulasi, triangulasi data dengan teori dan membandingkan data diamati dengan  wawancara.  Hasil penelitian  ini menunjukkan  bahwa pembiayaan   syariah diarahkan menuju pembiayaan  dengan prinsip bagi hasil yang menekankan  pola hubungan  kemitraan antara pihak bank dan nasabah. Prinsip bagi  hasil  dapat dilakukan dalam empat akad, yaitu mudharabah,  musyarakah, muzara’ah, dan musaqah.Kata kunci: pembiayaan, bank, pemberdayaanTHE ROLE OF SHARIA BANKING IN MSMEs FINANCE. This article discusses about the role of Islamic banking institution  to support Indonesian economy. The financial portions transmitted to the micro business sector (Small and Medium Enterprises MSMEs) proves   the  commitment    of  shari’ah   banking   in  economic empowerment. This study applies descriptive-qualitative approach. Data are analyzed through triangulation method, comparing data with theory, and the result of interview. Result of this study shows that syariah finance is conducted in accordance with the principle of profit sharing emphasizing on bank and customer’s partnership. Profit sharing may be conducted in four agreements: mudharabah, musyarakah, muzara’ah and musaqah.Keywords: finance, bank, empowerment
FAKTOR PENENTU KEBERHASILAN UMKM PADA KLASTER BORDIR DAN KONVEKSI KUDUS *, Sanusi
IQTISHADIA Vol 8, No 1 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i1.1080

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang berpengaruh terhadap keberhasilan bisnis UMKM pada klaster border dan konveksi Desa Padurenan Kudus. Kajian ini adalah penelitian lapangan dengan menggunakan pendekatan kuantitatif. Keberhasilan usaha dapat diraih dengan upaya dari berbagai pihak, baik dari upaya eksternal maupun internal.  Salah satu upaya eksternal yang dilakukan antara lain melalui program dan kegiatan yang dilakukan pemerintah untuk mengembangkan  sektor UMKM, hasilnya selama ini cukup menggembriakan.   Kegagalan yang terjadi pada umumnya disebabkan oleh modal yang kurang memadai, persaingan yang cukup ketat dan kurangnya kemampuan mengelola usaha.  Dengan demikian, modal bukanlah satu-satunya faktor yang menentukan sebuah bisnis akan sukses atau tidak.   Kata Kunci: Wirausaha, Manajemen, Kualitas, KuantitasSUCCESS FACTORS OF SMSE OF GARMENT IN  KUDUS This article aims at analyzing significant factors to  the success of SMSE of convection and border in Padurenan Kudus. This is a field research using quantitative approach. The success of business may be supported by several factors both external  and internal. Among external factors are government program and activities to develop SMSE. Business failure mostly is caused by capital limit,   competition and the lack of ability to manage business. Thus, capital is not the only factor for success.  Keywords: Entrepreneurship, Management, Quality, Quantity
Mashlaha in Financing Risk Measurement in Sharia Financing Institutions Said, Salmah; Sofyan, A. Syathir; Amiruddin, Andi Muhammad Ali
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.4992

Abstract

The crisis of confidence in the credit rating agency forced Islamic financing institutions to apply risk measurement methods independently and renewed the study of credit risk measurement. Moreover, this research also discusses mashlaha (public interest) in measuring financing risk. This research uses a mixed method approach, combining quantitative methods to measure risk by utilizing CreditRisk+, and qualitative methods in analyzing mashlaha in these measurements. This study revealed that CreditRisk+ is able to measure financing risk accurately. This study also found that there is mashlaha as part of maqashid al-sharia in risk measurement, namely 1) Tahdzib al-Fard, that makes a financial institution capable of independently measuring the risk of its own financing; 2) Iqamah al-Adl, independent measurement will create information justice by comparing measurement results both internally and externally. 3) Mashlaha itself, with internal risk measurement, will reduce systemic risk. The implications of this study is the use of mashlaha in analyzing financing risk provides more stringent prudential in the measurement of financing risk.
THE INFLUENCE OF MARKETING MIX ON DECISIONS TO BE A ISLAMIC BANKING CUSTOMER IN CIANJUR REGENCY Husaeni, Uus Ahmad
IQTISHADIA Vol 10, No 2 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i2.2966

Abstract

Keputusan masyarakat untuk memilih perbankan syariah di Kabupaten Cianjur sangat rendah. Saatini, nasabah perbankan syariah di KabupatenCianjur hanya sekitar 5-8 % dari total pendudukyang berjumlah 2.335 juta jiwa. Padahal, 98 %penduduk di Kabupaten Cianjur beragama Islamyang juga dikenal sebagai kota santri. Oleh karenaitu, perlu dilakukan pengujian apakah marketingmix yang meliputi produk, harga, tempat, danpromosi mampu mempengaruhi keputusanmenjadi nasabah perbankan syariah. Penelitian inibertujuan untuk menguji pengaruh produk, harga,tempat, dan promosi terhadap keputusan menjadinasabah perbankan syariah. Alat analisis yangdigunakan dalam penelitian ini adalah analisisregresi linear berganda. Hasil penelitian, secarasimultan menunjukkan bahwa produk, harga,tempat, dan promosi berpengaruh signifikan terhadap keputusan menjadi nasabah perbankan syariah, sedangkan sisanya dijelaskan oleh faktorlain yang tidak diikutsertakan dalam penelitianini.

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