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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 134 Documents
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Pengaruh Biaya, Angsuran dan Kualitas Pelayanan Terhadap Kepuasan Nasabah Pembiayaan BMT di Kabupaten Kudus Wahibur Rokhman
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v9i2.1734

Abstract

Antecedent Of Halal Food Purchasing Decision: A Theory Of Planned Behavior (TPB) Approach Fuad Hasyim; Nurwulan Purnasari
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.10002

Abstract

The purpose of this study is to investigate the factors that influence Indonesian customers in purchasing decisions for halal food. The approach taken uses the theory of planned behavior (TPB) because this theory emphasizes the aspects of individual behavior in making purchase decisions. Data obtained from distributing e-questionnaires with random sampling technique. The data is processed using structural equation modeling (SEM). The results show that all TPB constructs have a significant influence on the purchase of halal food by Indonesian customers. This research adds to and expands our knowledge of the halal food purchasing decision, as well as identifying the rationales for halal food purchases. From a managerial standpoint, the findings support investment decisions and relate to Indonesia's growth as a halal hub (supply chain) that addresses and considers the concerns and needs of businesses and Indonesian government agencies..
TRANSFORMASI KONSEP CORPORATE SOCIAL RESPONSIBILITY (CSR) Bayu Tri Cahya
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v7i2.1087

Abstract

Tulisan  ini membahas tentang   penerapan  Corporate Sosial Responsibility (CSR) dan perannya dalam mengatasi kemiskinan. Krisis ekonomi  global yang  terjadi  telah meningkatkan   angka kemiskinan dan pengangguran. Dalam kondisi seperti ini, pelaku bisnis dan masyarakat  ditekankan  untuk menerapkan  CSR. Konsep  CSR memiliki  keterkaitan  erat  dengan  pertumbuhan perusahaan.   CSR  akan  membentuk identitas budaya yang kemudian bisa menjadi  strategi penerapan  yang tepat.  Secara matematis, setiap rupiah yang disalurkan dalam CSR tidak bisa dihitung  secara otomatis,  akan tetapi keterlibatan  perusahaan dalam CSR tidak akan sia-sia karena  ada keuntungan secara financial maupun non-finansial yang akan diperoleh. Keuntungan utama CSR adalah memperkuat reputasi perusahaan.Kata kunci: CSR , kemiskinan, perusahaan.THE   TRANSFORMATION  OF   CORPORATE SOCIAL RESPONSIBILITY ’S    CONCEPT.    This    article   discusses about transformation and implementation  of Corporate  Social Responsibility (CSR) and its role in overcome poverty. The global economic crisis has increased poverty and unemployment. In line with this phenomenon, business people and the public are required to implement CSR. The concept of CSR is an important foundation in relation to the growth of corporate management. It will form a cultural identity which is then transformed into an appropriate effort  strategy. Mathematically   in every  rupiah spent  on CSR investment  cannot  be calculated by default, but the company’s involvement in CSR initiatives in this era would not vain because there  are  several  financial  and non-financial  rewards  will  be received. The core of rewards of CSR initiatives is strengthening the company’s reputation.Keywords: CSR , Poverty, Company.
Strategic Alliances between Sharia Microfinance Institutions and Financial Technology in Strengthening Small Micro Enterprises (MSEs) Euis Amalia; Indra Rahmatullah
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7743

Abstract

Sharia microfinance and financial technology have a very significant role as an effective solution for accessing finance for small and micro-enterprises (MSEs). The research aims to investigate the business model used, type of contracts employed, other legal aspects, and the risk mitigation dimension involved. By utilizing qualitative methods and critically analyzing a specific case study related a business model by the alliances between PT Ammana Fintech Sharia and a sharia microfinance institution, BMT Syahida Ikaluin. In generating the data, interviews with several experts and practitioners. The study found that the business model used was based on crowdfunding, compliant with sharia principles dan has a strong basis both in positive law and Islamic edict (fatwa). The research showed that the strategic alliance between a sharia microfinance institution and financial technology is capable of strengthening access to capital sources for small and micro-enterprises. It also improves community financial literacy and financial inclusion. This research could contribute to the creation of innovative products concerning sharia microfinance and sharia financial technology. Furthermore, it could also become a benchmark in formulating policies to strengthen these strategic institutional alliances.
Zakat for Economic Empowerment of The Poor in Indonesia: Models and Implications Hafas Furqani; Ratna Mulyany; Fahmi Yunus
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3973

Abstract

Sustainable wellbeing is one of the goals of zakat distribution whereby  the poor (mustahiq) are not only able to survive by having the basic needs fulfilled, but also are able to work and fulfill his needs and his family independently. The mustahiq independency is important to solve the problem of inequalities in society, marginalization, unemployemnt and poverty. This can only be achieved if zakat is able to used as a means for economic empowerment of the poor that would increase their capacity and enable them to become enterpreneur and hence able to fulfil their needs by themselves.  This article attempts to observe various zakat productive programs initiated by zakat institutions in Indonesia and also analyze their implications in empowering the poors and increase their level of wellbeing. The case study in this paper is Baitul Mal Aceh and Baznas Indonesia.
SISTEM TANGGUNG RENTENG DALAM PERSPEKTIF EKONOMI ISLAM (Studi kasus di UPK Gerbang Emas Bandung) Udin Saripudin
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v6i2.1101

Abstract

Tulisan  ini mengkaji   tentang   sistem  tanggung  renteng  yang diterapkan  dalam  program PNPM dalam  perspektif ekonomi Islam. Data diperoleh dengan  observasi dan wawancara untuk selanjutnya dianalisis dengan menggunakan metode trianggulasi. Hasil  analisis  menunjukkan bahwa sebagai  makhluk   sosial, pinjaman dan tabungan adalah sebuah aktivitas yang sering terjadi diantara manusia, keduanya, individu dan kelompok-kelompok. Berbagai  bentuk pembayaran kredit dibuat, termasuk tanggung renteng  juga  diterapkan   dalam   UEP-SPP   PNPM program. Dalam sebuah sistem “tanggung renteng”, yang terlihat jelas menggambarkan   sikap   saling  membantu dan persaudaraan. Dengan demikian  sistem ini sesuai dengan prinsip ekonomi Islam. Kata Kunci: Renteng , Ekonomi,  ProgamJOINT   RESPONSIBILITY IN  THE  PERSPECTIVE OF ISLAMIC ECONOMIC (Case  Study in UPK Gerbang Emas Bandung).  This  study  explores about tanggung-renteng  (joint responsibility)  system applied  in PNPM program from Islamic economic  perspective.  Data were  collected through  observation and interview and then analyzed in triangulation method. Result shows that as social beings, saving and lending are social activities common among the community  both individually  and socially. In UEP-SPP of PNPM  program, tanggung renteng is one of payment method applied.  This  method is  in accordance  with Islamic economic concepts of help each other and brotherhood.Keywords: Joint, Economy, Program
ANALISIS SEJARAH PEMIKIRAN EKONOMI ISLAM MASA KLASIK Kharidatul Mudhiiah
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 8, No 2 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i2.956

Abstract

Artikel ini menjelaskan tentang sejarah pemikiran ekonomi Islam di era klasik dimulai dari masa Nabi Muhammad SAW berada di Madinah hingga masa pemerintahan khulafaurrasyidin. Pada awalnya ekonomi syariah masih sederhana, prinsip itu hanya dari wahyu Al-Quran dan ijtihad Nabi Muhammad SAW. Setelah beliau meninggal, Abu Bakar melanjutkan praktek ekonomi Islam dan menekankan pada ketepatan pembayaran zakat. Praktek ekonomi Islam di era Umar menekankan pada manajemen Baitul Mal dan pajak pengelolaan lahan (kharaj) yang disita dari negara ditaklukkan. Di era Ustman, ia memutuskan untuk tidak mengambil gaji dari kantornya. Sebaliknya, ia menabung uangnya untuk investasi negara. Dalam era Ali bin AbiThalib, pajak atas pemilik hutan adalah sekitar 4000 dirham dan diperbolehkan Ibnu Abbas, Gubernur Kufah, mengambil sayur sebagai zakat yang akan digunakan sebagai rempah-rempah. Dalam kewenangannya, Ali memiliki prinsip bahwa distribusi uang untuk orang berdasarkan kemampuan mereka. Kata kunci: Perspektif Sejarah, Ekonomi Islam, Masa Klasik HISTORICAL ANALYSIS OF ISLAMIC ECONOMIC THOUGHT DURING CLASSICAL ERA AbstractThis article describes the history of Islamic economic thought in classic era fom the time of the Prophet Muhammad until the Four Chaliphs. At that time, the Islamic economy was still simple; its principle was only from a revelation of Al-Quran and ijtihad of the prophet Muhammad SAW. After the Prophet passed away, Abu Bakar continued the practice of Islamic economy and emphasized on zakat payment. The practice of Islamic economy in Umar era emphasized on Baitul Mal management and tax of land management (kharaj)which was seized from the conquered country. In Ustman era, he decided not to take salary from his office. Instead, he enlighted government’s burden in serious things and saved his money for country’s investment. In Ali bin AbiThalib era, taxes upon forest owners was about 4000 dirham and allowed Ibnu Abbas, Kufah governor, took zakat onfresh vegetable that would be used as spices. In its authority, Ali had principle that the distribution of money for people based on their capacity. Keywords: Historical Perspective, Islamic Economy, Classical Era
PENGARUH PEMBIAYAAN MURABAHAH, MUSYARAKAH, DAN BIAYA TRANSAKSI TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH Yunita Agza; Darwanto Darwanto
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v10i1.2550

Abstract

Bank Pembiayaan Rakyat Syariah is a financial institution that distribute and collect the fund. BPRS prefers to provide financing in micro, small, and medium enterprises. The purpose of this study is analyze the effect of dominant financing in BPRS, murabaha, musharaka, and transaction costs on profitability of the BPR empirically. Financing and transaction costs tend to increase while the profitabilitas fluctuates and tends to decrease every year. This research uses quantitative method  with secondary data. The data collection techniques used are literature study and documentation. Secondary data retrieved  from monthly reports of Statistik Perbankan Syariah which can be accessed through the official website of Otoritas Jasa Keuangan and Bank Indonesia. The method in this research is multiple linear regression with ordinary least squares (OLS) by transforming one of the variable into first difference. The empirical results shows that Murabahah financing, Musharakah financing, Transaction Costs significantly effect on profitability (ROA) Bank Pembiayaan Rakyat Syariah.Bank Pembiayaan Rakyat Syariah adalah lembaga keuangan dengan fungsi menyalurkan dan penghimpunan dana. BPRS lebih mengutamakan pembiayaan bagi UMKM. Penelitian ini bertujuan untuk menganalis pengaruh pembiayaan yang mendominasi pada BPRS yaitu Murabahah dan Musyarakah, serta Biaya transaksi yang dikeluarkan terhadap Profitabilitas BPRS. Pembiayaan murabahah, musyarakah, dan biaya transaksi cendrung mengalami peningkatan sedangkan profitabilitas pada BPRS mengalami fluktuatif dan cenderung menurun setiap tahunnya. Penelitian adalah penelitian kuantitatif yang mempergunakan data sekunder. Metode pengumpulan data pada penelitian adalah studi kepustakaan dan dokumentasi. Data penelitian diambil dari laporan bulanan statistik perbankan syariah yang diakses melalui situs resmi Otoritas Jasa Keuangan dan Bank Indonesia. Metode yang digunakan dalam penelitian yaitu metode Regresi Linier Berganda dengan pendekatan ordinary least square (OLS) serta melakukan transaformasi salah satu variabel kedalam bentuk pembeda pertama (first difference). Hasil estimasi menunjukkan bahwa pembiayaan Murabahah, Musyarakah, dan Biaya Transaksi memiliki pengaruh signifikan terhadap profitabiltas (ROA) Bank Pembiayaan Bank Rakyat Syariah.
ANALISIS PERAN KETERLIBATAN KERJA DALAM HUBUNGAN ETIKA KERJA ISLAM DAN SIKAP TERHADAP PERUBAHAN Irsad Andriyanto
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 9, No 1 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i1.945

Abstract

Artikel ini bertujuan untuk menganalisis peran job involvement sebagai mediator penghubung antara etika kerja Islami dengan sikap terhadap perubahan di BPRS di Indonesia. Ada 155 manajer dan direktur BPRS se Indonesia yang dijadikan subyek penelitian. Hipotesa diuji dengan menggunakan analisis multivariate dengan model persamaan struktural (Structural Equation Model/SEM). Hasil penelitian menunjukkan ada pengaruh signifikan job involvement sebagai mediator antara etika kerja Islami dengan sikap terhadap perubahan. Hal ini menjadi pendukung karena ada pengaruh langsung dari etika kerja Islami terhadap sikap terhadap perubahan. Kata Kunci: Job Involvement, Etika Kerja Islami, Sikap pada Perubahan  This study aims at analyzing the role of job involvement as a mediator Islamic work ethic and attitudes toward changes in BPRS in Indonesia. There are 155 managers and directors of BPRS in Indonesia as respondents of the research. The hypotheses are tested using multivariate analysis and Structural Equation Model (SEM). Result of this study shows there is significant role of job involvement as a mediator of Islamic work ethic and attitudes toward changes. It is supporting the significant direct effect of Islamic work ethic towards attitudes toward changes.Keywords: Job Involvement, Islamic Works Ethics, Attiutude toward Change
METODE SPIN-OFF DAN TINGKAT PROFITABILITAS: STUDI PADA BANK UMUM SYARIAH HASIL SPIN-OFF M Nur Rianto Al Arif; Endah Putri Dewanti
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v10i1.2316

Abstract

The Law No. 21 of 2008 about Islamic banking, requires every Islamic business unit to spin-off if they have met the criterion. There are two spin-off’s methods can be selected by Islamic banks. The purpose of this research is to analyze the effect of spin-off method to profitability. The profitability indicator that used in this study is the return on asset. This study is using panel regression with random effect model. The result showed that spin-off method doesn’t have a significant impact on the Return On Asset (ROA) Islamic Banks from spin-off effect. Only BOPO and Non-Performing Finance (NPF) had a significant effect on Return On Asset (ROA). These results indicate that the Islamic business units that want to do the spin-off can choose one of two methods of the spin-off. The decision depends on the internal condition of Islamic business unit and the internal policies of conventional commercial banks.Undang-undang No. 21 tahun 2008 tentang Perbankan Syariah mewajiban setiap unit usaha syariah untuk melakukan pemisahan apabila telah memenuhi kriteria. Terdapat dua metode pemisahan yang dapat dipilih oleh bank syariah. Tujuan dari penelitian ini ialah untuk menganalisis pengaruh metode pemisahan terhadap tingkat profitabilitas. Sampel yang digunakan pada penelitian ini adalah empat bank syariah hasil pisah. Indikator profitabilitas yang dipergunakan dalam penelitian ini ialah rasio return on asset. Metode analisis yang dipergunakan dalam penelitian ini regresi panel dengan model efek acak. Hasil penelitian menunjukkan bahwa metode pemisahan tidak berdampak pada tingkat profitabilitas di bank umum syariah hasil pemisahan, hanya tingkat efisiensi operasional (BOPO) dan tingkat pembiayaan bermasalah (NPF) yang berdampak pada tingkat profitabilitas.. Hasil ini mengindikasikan bahwa unit usaha syariah yang ingin memisahkan diri dapat memilih metode pemisahan. Keputusan tergantung pada kondisi internal dari unit usaha syariah dan kebijakan internal dari bank induk konvensional.

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