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AL-FALAH : Journal of Islamic Economics
Published by Institut Agama Islam Negeri Curup
ISSN : 25482343     EISSN : 25483102     DOI : http://doi.org/10.29240/jie
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
AL-FALAH: Journal of Islamic Economics is scientific journal of Islamic Economics based on both conceptual and empirical research. It concerns to extensively publish the issues of islamic economics which study through interdiscipline perspectives such as fiqh, shariah finance, islamic bank, islamic development economics, and also economic sociology. The journal is published by Curup State Institute for Islamic Studies (IAIN), Bengkulu, Indonesia. Published twice in a year, on June and December, the journal of Al-Falah is projected as a media, sphere, and dessemination of scholars studies on islamic economics issues. Therefore, Al-Falah invites all of participants, scholars, researchers, and Muslim economists to submit their best-papers, and publish it in Al-Falah: Journal of Islamic Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 8 Documents
 1 
Search results for , issue "Vol 4, No 2 (2019)" : 8 Documents clear
Shariah Bank in Facing the Global Financial Crises: A Historical Comparative toward Efficiency and Productivity of Shariah Bank in Global Financial Crises aqida shohiha
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.910

Abstract

Purposes: The article aims to describe in compartive view of how the shariah bank faces the global financial crises. Both effinciency and productivity is selected as main variabel to understand the main issues.Design/Methodology/Approach: Quantitative with explonatory design, namely DEA, is applied in this research. In practise, various hyphoteses was tested through empirical data.Findings: It can be proved that, there are significance different in effienciency and productivity of shariah bank before and after global crises of finance. To sum up, efficiency of shariah bank decrease extremely after crises. But, conversely, their productivity indicate an increasing in various indicators. In general, in both efficiency and productivity of shariah bank shown a rebalancing in two aspects. With level 99,23% point. Originality/Value: This study contribute new information for that crises can effect significantly to efficiency and productivity of financial industries such as shariah bank.
Effect of Financial Literation and Financing-Effectivity toward the Growth of Small Enterprises: Case Study in Bank Syariah Mandiri, Majalengka Robiatul Hikmah; Diana Djuwita; Ridwan Widagdo
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.941

Abstract

Purposes: This study aims to determine the effect partially and simultaneously between financial literacy and financing effectiveness on business development in Micro Warung financing in Bank Syariah Mandiri Majalengka Branch.Design/Methodology/Approach: This study uses a type of quantitative research. The number of samples is 80 respondents. The technique of collecting data through questionnaires and documentation.Analysis of the data used are research instruments, classical assumptions, multiple linear regression, determinant test, and hypothesis testing, research using SPSS version 20.Findings: The partial test results show that financial literacy variables have a significant positive effect on business development, financing effectiveness has a significant positive effect on development business. The simultaneous test results show that there is a positive and significant influence between financial literacy and financing effectiveness on business development. The effect of financial literacy and financing effectiveness contributes 73.12% to business development.Originality/Value: Main contribution of the article is identified from its issues selected to reach new insight on relationship between financial literation, financing effectivity toward growth of small enterprises. This, exactly, can be a model for previous research on related-issues.
Tawhid and Shariah Economics: Positioning Tauhid as Philosophical Foundation of Shariah Economics Nurul Hilmiyah; Bayu Taufiq Possumah; Muhammad Hakimi Mohd Shafiai
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.890

Abstract

Purposes: In the social sciences, economics is one of the most influential and prestigious disciplines. Mainstream economics typically view economic agent as amoral, entirely self-interested, unrealistic and has damaging effects. In the last few decades, while remaining a powerful discipline, economics has narrowed in scope. Consequently, to reinvigorate economics, especially in times of crisis or major institutional change, mainstream economics has almost lost a key reserve of alternative thinking. This study intends to investigate the contemporary mainstream economic system, does Islamic Economics taking advantage of the shortfall of the system outlined above based on Tawhidical approach?Design/Methodology/Approach: This paper using the descriptive qualitative method Findings: Modern economics is normative bias; does not explain actual economies but describes a "utopia" in which Pareto optimality applies. The excessive unrealistic assumption is the impact of the inconsistency of modern economic theory. The important aspects of human behavior ignored by this assumption as the theory of economic man. In addition, the general equilibrium theory of neoclassical is not compatible with an economy that develops over time. It relies too much on complex mathematical models without sufficient attention to whether this really illustrates the real economy and ignores the complexity of nature and human creativity. At the contrary, Islam cause to be present the Tawhidic based economics approaches can be focused towards seeing wholes of economics, rather than parts; seeing economics activities as worship, rather than competition; cultivating the solidarity (charity), rather than individualism and creating the justice, rather than injustice. Thus this paper designed to provide the concept of Islamic economic system with Tawhid as the basis, to fit the philosophy of economic science and reality of human life. The paper shows the position of Tawhid in the system and theory of economy.  It becomes a must to do to create prosperity and benefit for all mankind, with the aim to realign and comparing to the mainstream economic system and their theory.Originality/Value: This paper proposes the position of Tawhidic based economics approach in setting the economic system. The position of this foundation offers basic guidelines for the justice and fairly system, which is benefited to all human beings regardless of religions, races, and castes, and furthermore to the sustainable economic development and welfare for the ummah.
Getting Shariah Brandmark: Strategy And Management Promotion of Cordova Hotel in Accelerating the Image as a Shariah Hotel Rifqi Maulana Mansur
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.1060

Abstract

Purposes:. The purpose of this study was to determine the governance process of Cirebon Cordova hotel, the Cirebon promotional strategy of the Cordova hotel and how the governance & promotion strategy of the Sharia Cordova hotel image of Cirebon.Design/Methodology/Approach: The research method used in this study is to use analysis with an inductive approach, processes and meanings from a subject perspective that are more highlighted or can be referred to as descriptive qualitative research. The technique of collecting data uses observation, documentation, and interviews. The data is validated using the triangulation method. Data analysis techniques using data reduction, data presentation, and research / verification conclusions.Findings: The results of this study in the governance of the Cirebon Cordova Hotel use the Sharia concept, which is realized to provide the best comfort, security and service. The promotion strategy of the Cordova Cirebon hotel uses social media and print media and collaborates with travel services. The governance carried out by the Cirebon Cordova hotel already uses sharia principles, as evidenced by applying sharia concepts such as the rules applied in guest services that violate the opposite sex who are not muhrim, violations do not carry items that are prohibited according to Islamic and state religious rules. The Cirebon cordova hotel promotion strategy is carried out to do ethics & honesty in communicating product offerings to hotel visitors. To improve the image of Sharia Hotel, Cordova Hotels always recite the verses of the Holy Qur'an, prayer and do not provide entertainment facilities that cause disobedience such as discotheques, clubs, bars and gambling.Originality/Value: The article offers a new evidence of how a hotel endeavors in getting shariah image. Appealingly, the study can deeply describe the strategy and management promotion in reaching that reputation.
Fintech for Sharia Micro Finance Institution: Qualitative Analysis toward Utilization of Financial Technology in BPRS and BMT Trimulato Trimulato
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.917

Abstract

Purpose:The articles aims to highlight the pattern of existing financial technology utilized by BPRS and BMT. Besides studying the pattern of Fintech, the article also effors to describe the growth of sharia micro financials--BPRS and BMT, as a main product of applied-FintechDesign/Methodology/Approach: Qualitative used consistenly as approach. To support that approach, analitical interpretation used to understand data.Findings: The results of this paper indicate that BPRS experienced good growth. Third Party Funds grew by 19.144% and financing grew by 14.862%, while the number of offices decreased by 0.222%. The BMT experienced 72.418 percent of receivables growth, 52.885 percent financing, and assets and placements grew below 40 percent. The pattern of financial technologhy (fintech) is very good for the development of sharia micro financial institutions such as BMT and BPRS. All existing fintech forms can be applied, such as crowfunding, peer to peer, payment and BMT and BPRS can serve as an intermediary for people who want to invest in sharia-compliant instruments/bussiness.Originality/Value: A set of novelty that can be stated from the article is that the study succesfully indentifacated in which the Fintech can be applied extensively in large typical financialmacro and micro financial industries.
Venture Capital Financing on MSMEs in PT Sarana Ventura Yogyakarta: A Maslahah Perspective Rachmat Hidajat
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.929

Abstract

Purpose: This study aimed to analyze and explain the implementation of venture capital financing at PT. Sarana Ventura on MSMEs in terms of maslahah aspectDesign/Method/Approach: This was descriptive qualitative field research. The subjects were the leaders, the divisions of VCO & investment, legal, and agents of MSMEs at PT. Sarana Ventura in Yogyakarta. The data collection used observation, interview, and documentation techniques. The data analysis consisted of four stages, namely, data collection, data reduction, data display, and conclusion drawing/verification.Findings: The results showed that first, the distribution process of financing conducted by PT. Sarana Ventura is in the form of equity without charging any interest payment but applying the concept of revenue sharing to avoid usury. Second, the distribution process of financing to MSMEs is free from gharar by implementing the principle of the contractual agreement as well as a consensual principle in agreeing. Third, however, the capital distribution to the actors of micro, small and medium enterprises has not yet met the principle of justice because the firm is only willing to provide venture capital to medium scale enterprises which have been running and developing, not for new small scale enterprises (startup).Originality/Values: The main contribution of this study is expected to make venture capital companies more open and competitive in the future in advancing MSMEs.
The Inconsistency Effect of Anomalies on the Muslim Eid (Id Fitri) towards Abnormal Return : Case Study in the Indonesia Stock Exchange Muhammad Abdul Ghoni
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.911

Abstract

Purposes: The purpose of this paper is to analyze the causes of inconsistency in the effect of the "Anomalies" of the Islamic Eid (Eid al-Fitr) on Abnormal returns on the Indonesia Stock Exchange. Design/Methodology/Approach: This article applied the quatitative analysis. In practise, it consistently uses the descriptive qantitative in measuring the effect cross selected-variables.Findings: Based on the results of the analysis showed that the inconsistency of the effect of "Anomalies" on the Islamic Eid (Eid al-Fitr) on Abnormal returns on the Indonesia Stock Exchange was caused by various things, including behavior of investors caused by uncertainty during the Eid al-Fitr. Originality/Value: a set of novelty identificated from the article is that study deeply measures the relationship between anomalies of The Muslim Eid and Abnomarmal Return in The Indonesia Stock Exchange.
The Consumption Behavior of Moslem: A Maqashid Shariah Approach toward Foundational Consumptioan Theory in Islam Economics Muhammad Ulul Azmi
AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i2.933

Abstract

Purposes: This study discusses explaining about Muslim consumers in using maqoshid based on shariah.Design/Methodology/Approach: this study uses a type of qualitative research based on the literature study.Findings: The results of this study indicate that the benefits obtained from buying goods and services obtained with sincere intentions for worship will produce the goal of mashlahah that can be realized with halal activities. Islam has allowed its people to produce lawful things to produce something useful. In the view of Islam, Muslims must buy goods and services with a principled principle that is approved by Tayyiban in verse Al-Baqarah verse 168 and one of them is to ask our permission (hifdz nafs).Originality/Value: The paper introduce how the muslim consumption behaviour studied through maqashid shariah view. This declared the study succesfully offer new perspective in understanding moslem behaviour in consumption in difference approach, or perspective.

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