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Contact Name
Husnurrosyidah
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iqtishadia@iainkudus.ac.id
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Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus Alamat: Jl. Conge Ngembalrejo PO BOX 51
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INDONESIA
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Core Subject : Economy,
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.
Articles 137 Documents
Analisis Perbandingan Kinerja Reksa Dana Saham Syariah dan Konvensional Periode 2012-2015 Nurul Huda; Nazwirman Nazwirman; Khamim Hudori
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v10i2.2242

Abstract

Penelitian ini bertujuan untuk menganalisis kinerja reksadana saham syariah dan konvensional. Metode yang digunakan yaitu indeks Sharpe, Treynor, Jensen, appraisal ratio, M2 measure, dan T2 measure selama periode Januari 2012 sampai dengan Desember 2015. Sample untuk Rekasadana konvensional sebanyak 25 emiten dan reksadana syariah sebanyak 7 sampel. Hasil penelitian kinerja reksadan saham syariah secara rata-rata lebih baik dibandingkan dengan konvensional,  hanya saja berdasarkan pengujian dua sampel perbandingan tidak terdapat perbedaan yang berarti antara kinerja reksadana saham  konvensional dan syariah.
PROSPEK PERBANKAN ISLAM DAN BISNIS SYARI’AH DALAM PENGEMBANGAN EKONOMI Muhamad Sholikhin
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.v6i2.1113

Abstract

Artikel  ini membahas  tentang  peluang  dan tantangan yang dihadapi oleh lembaga perbankan syariah dalam mengembangkan ekonomi umat di Indonesia. Pendekatan yang dipergunakan adalah pendekatan deskriptif-qualitatif.  Data  dikumpulkan dengan menggunakan  metode observasi  dan wawacara.  Di Indonesia umat Islam   secara  spesifik  Juga  mengalami   suatu   penyakit dualisme ekonomi-syariah yang cukup kronis. Dualisme ini muncul sebagai akibat dari ketidakmampuan bussinesmen Muslim untuk menggabungkan  dua disiplin ilmu  ekonomi dan syariah  yang seharusnya saling mengisi dan menyempurnakan.  Hasil penelitian menunjukkan bahwa Bank Islam dalam menjalankan usahanya minimal  mempunyai  lima prinsip operasioanal yang terdiri dari Pertama, sistem simpanan, kedua, bagi hasil, ketiga, margin keuangan,  keempat,  sewa, kelima,  fee produk perbankan  Islam dalam jaman modernKata Kunci: Bank, Bisnis, EkonomiSHARIA BANKING AND  BUSINESS’ PROSPECTS TO DEVELOP ECONOMY  .This   article   discusses   about  the opportunity  and threats  faced  by sharia  banking  to develop Indonesian   economy.   This   article  uses descritptive-qualitative approach. Data are collected through  observation and interview. In Indonesia, Muslims deal with economic dualism. This dualism emerged as a result of Muslims  entrepreneurs’ failure to combine convensional  and Islamic  economic  values.  Result shows  that Islamic banking applies five operational principles: deposit, profit sharing , financial margin, rent, Islamic banking products’ fee.Keywords: Bank, Business, Economy
ANALISIS PERILAKU KESEIMBANGAN NILAI TUKAR RIIL DI INDONESIA Salman Munthe; Hamdi *
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v8i1.1081

Abstract

Tujuan artikel ini adalah untuk membuktikan keterkaitan antara variabel ekonomi fundamental dalam kedua sektor moneter dan nyata, dan Behaviour Equilibrium Exchange Rate (BEER) di Indonesia. Sumber data yang digunakan adalah data sekunder (time series) yang bersifat makro dihimpun dari lembaga terkait dengan metode estimasi bulanan dari Januari 2009 sampai Januari 2013. Jumlah sampel yang diestimasi sebanyak 60 data dan model analisis digunakan adalah model BEER. Hasil studi ini menunjukkan bahwa Behaviour Equilibrium Exchange Rate (BEER) dipengaruhi oleh variabel sektor riil (term of trade, produktivitas, dan risiko) dengan nilai sangat tidak signifikan di level 1,17%, variabel sektor moneter (NFA), dan perbedaan antara suku bunga dalam dan luar negeri yang sangat berpengaruh secara signifikan terhadap BEER di level 90,19%.Kata Kunci: Ekonomi, Fundamental, Riil, Moneter ANALYSIS OF REAL EXCHANGE RATE EQUILIBRIUM IN INDONESIA  The purpose of this research is to verify the linkages between the fundamental economic variables in both real and monetary sectors, and the Behaviour Equilibrium Exchange Rate (BEER) in Indonesia. The data analysis used is the secondary data (time series), and the estimated data usage is the monthly data about the real exchange starting from January 2009 until January 2013. Samples 60 units, and the model of analysis used is the BEER model. The result of this study indicated that the Behaviour Equilibrium Exchange Rate (BEER) is influenced by the real sector variables (the terms of trade, productivity, and risk) with the very unsignificant value at the level of 1,17%, and the monetary sector variables (net foreign assets (NFA), and the difference between domestic and foreign interest rates) which very significantly influenced the BEER at the level of 90,19%.Keywords: Fundamental, Economy, Real, Monetary
Islamic Financial Literacy, Promotion, and Brand Image Towards Saving Intention in Sharia Bank Achmad Zainul Rozikin; Irmadatus Sholekhah
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v13i1.6489

Abstract

This paper aims to empirically examine the relationship between Islamic financial literacy, promotion, and brand image and the intention of saving in Islamic banks. The data in the study were taken from 125 respondents. Respondents in this study were customers of Islamic banks, conventional banks, and were not yet customers of the two banks. This study uses quantitative research methods and analyzes the data using multiple regression models with SPSS 21 application. The results indicate that Islamic financial literacy, promotion, and brand image affect the intention to save in Islamic banks.
The Role of Network Quality as Moderating Variable on the Performance Enhancement of Islamic Microfinance Institutions (Cases of Baitul Mal Wat Tamwil) Muhamad Mutaqin; Widiyanto bin Mislan Cokrohadisumarto
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.v11i2.3198

Abstract

Islamic microfinance institutions (IMFI) -such as Baitul Mal Wat Tamwil (BMT)– have an important role in the development of micro-enterprises in Indonesia. Therefore, performance improvement BMT institutions should be carried out continuously in order to enhance its role in contributing to the development of the national economy, namely through the development of micro enterprises. The purpose of this study is to develop animprovement model the performance of BMT by involving the variables of human capital, Islamic business ethics, and moderation variable of network quality. Results of the study showed that the human capital and Islamic business ethics have a significant effect on the performance of BMT, and the network quality is able to strengthen the effect of human capital and Islamic business ethics in improving the performance of BMT. This result indicates that the network quality as moderation variable has an important role in improving the performance of BMT.
Analysis on the Effect of Deposits and Financing on The Net Income (SHU) at KPN Al Ikhlas IAIN Batusangkar R. Rizal; D. David; Sri Adella Fitri; R. Ramadanis
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v11i1.2941

Abstract

Cooperative is an institution founded by and for the members with the purpose to prosper the members with maximum achievement of outcome. The phenomenon that happened in Sharia civil servant cooperative Al-Ikhlas in IAIN Batusangkar from year of 2015 until the closing book in 2016, shows that member deposits and financing toward members has increased. Meanwhile, the net income is decreased. This phenomenon is interesting to investigate because it seems like the increasing of deposits and financing do not influence the net income. Consequently, This research aims to analysis the effect of deposit, such as special obligatory deposit, financing deposit and financing simultaneously and partially towards net income (SHU) at sharia civil servant cooperative (KPN) Al Ikhlas IAIN Batusangkar. This is a field research with quantitative approach during the year of 2015 and 2016 as the secondary data. The Result of this research shows that partially, merely financing that has effect towards net income (SHU) with significance level accost 6% that is 0.059 on wald value in the amount of 3,561.While basic contribution, obligatory deposit, special obligatory deposit, financing deposit have no significant effect on net income (SHU). Furhtermore, the amount of basic contribution effect, obligatory deposit effect, special obligatory deposit effect, financing deposit and financing simultaneously on net income (SHU) is 57.2%, while the remaining 42.8% is influenced by other factors that not examined in this research. It is suggested to the management of this sharia cooperative to find out another halal finance to increase financing so it can increase net income such as increasing member participation by gaining the amount of deposits. 
Shariah Screening Methodology: Does It ‘Really’ Shariah Compliance? Abdullah Mohammed Ahmed Ayedh; Amir Shaharuddin; Muhammad Iqmal Hisham Kamaruddin
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v12i2.5573

Abstract

The Shariah financial screening indices is to exclude companies with unacceptable levels of conventional debt, liquidity, interest-based investment and/or impure income. Ideally, companies must not borrow on the basis of interest rate, nor invest in debt-bearing instruments, as well as not generating income through any other Shariah-impermissible activities. However, such restrictions would screen out the vast majority - if not all - of the stocks that are available on the market, even those listed in Islamic countries. Based on this condition, Shariah scholars tried to come out with a set of Shariah indices to be tested on existing companies in order to classify them as Shariah-compliant companies. Thus, the aim of this paper is to explore and critically analyse comparison of Shariah screening methodology amongst major Shariah indices in the world. By applying the reviewing for all related literature and contents of Shariah screening’s laws and regulations. It can be stated that several group of Shariah indices can be categorized. Firstly, under qualitative measures (business activities), there are two groups which are: (i) financial activities orientation; and (ii) indic with non-financial activities orientation. Meanwhile, under quantitative measures (financial ratios), another several groups can be categorized based on different adoption in the nominator, denominator and tolerate percentage used. It is hoped that this work would inspire more research on Shariah screening using different research methods and compare between the indices according to segments this research argued. Besides, the policy makers should give more attention to ensure the Shariah screening practices and the enhancement Shariah screening standardizing among the major Shariah indices. Last but not least, investors and stakeholders whom concern of Shariah screening could also benefited of the findings of this study by having better understanding of Shariah screening practices and compare between existed indices.
Fakta Empirik Tentang Etos Kerja Islam, Stres Kerja, Kepuasan Kerja, dan Kinerja Akuntan pada Industri Keuangan Islam di Indonesia Amilin -
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.v9i2.1733

Abstract

SISTEM DAN STRATEGI PENGUPAHAN PERSPEKTIF ISLAM Fuad Riyadi
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam 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.v8i1.1086

Abstract

Tulisan  ini membahas  tentang  strategi dan sistem pemberian upah bagi  buruh dalam   perspektif  Islam. Pendekatan  yang dipergunakan  dalam  kajian ini adalah pendekatan  normatif, sosiologis-politis  dengan  menggunakan   metode analisis- deskriptif    kualitatif.   Sistem   kapitalisme    dan   sosialisme masih belum  secara  signifikan   memberikan    solusi  terhadap problematika upah dan buruh.  Kapitalisme  menjadi  hal  yang menakutkan dan sangat tidak manusiawi,  karena sering terjadi pelanggaran  HAM, penyelewengan kekuasaan  dan wewenang untuk  mendapatkan kekuasaan   sebesar-besarnya.  Sementara sosialisme lebih mengutamakan  kepentingan  dan kesejahteraan sosial  di atas kepentingan  dan kesejahteraan  individu. Hasil penelitian menunjukkan  bahwa Islam  memberikan ketentuan dan tatanan tentang upah dan buruh. Syariah Islam bertujuan untuk merealisasikan kesejahteraan manusia, tidak hanya pada kesejahteraan   secara ekonomi,  tetapi juga  persaudaraan  dan keadilan sosio-ekonomi, kedamaian  dan kebahagiaan jiwa, serta keharmonisan keluarga sosial.Kata Kunci: Pengupahan, Kapitalis, SosialisSYSTEM AND  STRATEGY OF  WAGING  IN  ISLAMIC PERSPECTIVE This article discusses about strategy and system of wage  in Islamic  perpective. Approach  used  in this  study  is normative,  socio-politics and data are analyzed  by descriptive-analitic qualitative  method. Capitalism  and socialism have  yet provided solutions to the problem of wages and workers. Capitalism has become frightening and inhuman  system, because of human rights abuses, perversion of power and authority to gain absolute power. Meanwhile,  socialism set forward  for public interest and welfare over individual  needs. Result of analysis shows that Islam has set rules on wages and workers. Islamic law aims to create social welfare, not only economically but also brotherhood, socio-economical justice, peace, happiness and harmony.Key Words: Waging , Capitalist,  Socialist
ANALISIS HISTORIS PERKEMBANGAN BANK SYARIAH Ahmad Atabik
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.v6i2.1109

Abstract

 Artikel ini mengeksplorasi tentang ; a) sisi historitas munculnya bank syariah,  terkait  dengan  konsep ekonomi syariah,  yang awalnya  telah  ada pada zaman Rasulullah; b) penulis  juga menyuguhkan   latar belakang  yang menyebabkan   berdirinya bank syariah, yang tiada lain karena mencari solusi atas sistem perbankan yang disinyalir menggunakan sistem bunga (riba); c) tulisan ini juga mendiskripsikan kebutuhan mendesak umat Islam terhadap adanya bank syariah, tujuan didirikannya bank syariah (menyediakan fasilitas keuangan dengan cara mengupayakan instrumen-instrumen   keuangan  yang sesuai dengan  ketentuan- ketentuan dan norma-norma syariah. Selain itu, diambil juga dari nilai-nilai Islam  dan dapat diwujudkan dalam masing-masing kegiatan operasionalnya), d) serta hal-hal yang terkait  dengan sistem-sistem yang telah ada dalam fiqih mu’amalat yang dapat diaplikasikan dalam sistem ekonomi dan perbankan syariah. Kata kunci: historitas, bank, musyarakah, mudarabahHISTRICAL ANALYSIS OF ISLAMIC BANKING This article explore about; a) historitas side of the emergence of Islamic banking , related  to the concept of sharia economy, originally was at the time of the Messenger of Allah; b) The author also presents the background cause the establishment of sharia banks, which no other because of the search for the solution of the banking system which is possibly using the system of interest (usury); c) this article also define ecological urgent need of Islam against the sharia banks, purpose built sharia banks (provide financial facility with how to seek financial instruments  in accordance with the terms of the terms and norms of the shari’a. In addition, taken also from the values of Islam and can be realized in each operational activities), d) and the things that are associated with the systems that have been there in fiqh mu’amalat that can be applied in the economic system and Islamic banking. Keywords: historical, banking , musyarakah, mudarabah

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