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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 5, No 1 (2020)" : 8 Documents clear
A The Strategy of Syariah Cooperative Development in Padang Panjang City Okfi Resti; Asyari Asyari; Winarno Winarno
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1643

Abstract

Purpose:. The objective of the research are; 1) identifying the aspect of cooperative in the Padang Panjang in order to developthe syariah cooperative 2) identifying the external factor (opportunity and treat) and internal factor (strength and weakness) in developing the Syariah Cooperative in Padang Panjang 3) arrange theprecisealternative strategy in developingSyariah cooperative in Padang Panjang.Design/Method/Approach : The method of primer and secondary data collection were library studies, field observation, questionnaire, and interview. Technique and the tabulation of the data used descriptive analysis, both normatively (according to Syariah rules and state rules), qualitative (describe the profile, explain the EFE, IFE, IE, TOWS, QSPM matrixes) and quantitative (doing the tabulation of calculation on the weighting calculation on EFE, IFE, and IE).Findings:  After grouping of strategy by using the I-E matrix, the result of Syariah cooperative developmenton Padang Panjang is gotten which is on the position of Growth strategy, the strategy which is arranged to reach thecondition of capital asset growing, assets, and distribution of cooperative financing. From the matrixes of TOWS and QSP are gotten strategy which are suggested; open the business unit, office to every cooperative, increasing the services quality, supervision and optimize theknowledge enrichment to all of members and management in the Syariah cooperative field.Originality/Values: Syariah cooperative has important roles in increasing the society welfare. However the number and existence of syariah cooperative is still limited.The strategy which will be used to develop the syariah cooperative is necessary.
Factors Affecting the Distribution of Micro, Small and Medium Enterprises (MSME) Financing in Islamic Banks Annisa Masruri Zaimsyah
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1156

Abstract

Purpose:This study aims to analyses of the influence of the external and internal factors on medium and small micro Enterprise financing in Indonesia Islamic Bank exsternal factors consist of inflation, BI Rate and Exceng Rate, while the internal factors consists of ROA, CAR, BOPO, FDR and NPF. Design/Method/Approach: The analysis technique used in this study is multiple regression with OLS approach. The data used this study are monthly data from 2014-2018. Data obtained from OJK and Bank Indonesia reports.Findings: The finding results of this study, change in macroeconomic conditions (external factor) will indirectly have an impact on the internal conditions od Islamic Bank and will have an impact on intermediation function, especially for the MSME sector, while partially the factors that influence MSME financing are only in inflation and Exceng rates, CAR, BOPO, NPF. FDR and BI Rate does not affect MSME financing because Islamic Bank do not use the interest system but instead use the profit sharing system.Originality/Values: The main contribution of this study to industry platetrs, Islamic bank and policy makers. Islamic bank must make more efferts to provide financing for MSME. Islamic Banks must be innovative and creative in creating and offering new products related to financing to MSME.
Price Difference in Buying Fruits With Many Amount And A Little According to The Islamic Law Perspective: Case Studi at Market 26 Ilir Palembang Rina Dwi Wulandari
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1324

Abstract

Purpose:The purpose of this article is to find out the differences in the price of fruit with large and small perspectives of Islamic law in the 26 ilir Palembang market and what factors cause the difference in fruit prices for traders in the 26 ilir Palembang market.Design/Method/Approach :A qualitative approach was applied to this study. The data collection techniques use observation, interviews, and questionnairesFindings: the difference in the price of buying and selling fruit from the perspective of Islamic law in Palembang 26 ilir is permissible (mubah), because it is in accordance with the concept of buying and selling in Islam where the fulfillment of the conditions in pricing is in accordance with the principles of buying and selling in Islam. The process of buying and selling carried out has also fulfilled the pillars and conditions in Islam, so the sale and purchase of this law is legal, and the factors that cause the price of fruit differ in fruit traders in the 26 ilir Palembang market, namely fruit quality, the effect of fertilizer increase, merchant's trading location and the number also fruit traders take fruit from other fruit sellers and resell them.Originality/Values: The main contribution of provide information to the public about differences in selling prices of fruit in the market.
Ottoman Trade Policy and Activities in Europe and Asia Meirison Alizar Sali; Desmadi Saharuddin Saharuddin; Darni Yusna Darni
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1181

Abstract

Purpose: This discussion aims to provide an overview of Ottoman activities and policies in the field of trade and explain the factors that have led to support the economic progress and decline of this Empire.Design/Method/Approach: This discussion uses a literature study with a content study approach (content analysis) that is qualitative.Findings: Turkish Ottoman is traversed by an old trade route, which then develops into a country that is crossed by strategic trade routes from East to West with various commodities, including spices from Indonesia. One factor in the economic development of the Ottoman Empire is that the dense trade routes make this Ottoman state a political climate in Europe and Asia. Treaties and treaties and foreign capitulations are given to European countries, which only pay a 3-5% tax. To reduce Western European pressure on the Ottoman Turks in dealing with the Hapsburg family. This made traders who were 80% made up of Muslim traders drastically reduced. The treaty that was signed was like a double-edged knife for the Ottoman Turks, which was of little use in the glorious days and harmful in the weak. International trade agreements should be reviewed again in a strict manner because many of the points of the agreement are detrimental. An agreement that has eliminated much sovereignty from weak countries due to monopoly. But the Ottoman Turks had signed the deal when the Empire was at the peak of its power.Originality/Value: The contribution of this study is guidance in taking independent economic policy steps in developing trade networks and not easily giving in to foreign pressure except in emergencies. 
Effect of Understanding Product Services Shariah Banking Interest of Traders in Submitting Loan: Case Study in Pasar Anyar, Serang, Banten Ersi Sisdianto; Harrys Pratama Teguh
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1457

Abstract

Purpose: This study aims to determine the extent of understanding the influence of Sharia banking services products to the merchant interest in applying for loans, another goal was to determine whether the higher level of understanding, the higher the rate of interest applied for a loan. In fact in the district Newer no Sharia Banking Firm and Rural Sharia. There are only 2 Baitul Mal wa Tamwil, it was his existence can not meet the needs of traders to obtain loans in opening a business. Design/Method/Approach : The method used is descriptive analysis method is intended to illustrate how the influence of product understanding Sharia banking services to the merchant interest in applying for loans. The data provided will be processed using chi square and contingency coefficient. The data used consist of interest and the dependent variable is the independent variable is the understanding of the product. The study of the respondents have an understanding of Sharia Banking sufficient to Sharia banking products with 20% and 10% who do not understand. Respondents have sufficient interest to apply for a loan on Sharia banking is 10% interest and 10% had no interestFindings: The influence of the understanding of product and services of Islamic banking on the interest market traders Anyar in applying for loans indicate their relationship fairly closely between two variables, no interest and did not understand at 10%, interest but not understood by 20%, no interest but understood by 20% and interest and understanding by 60%. Sampling technique used is by means of questionnaires and interviews.Originality/Values: The main contribution of this study concern on determine extent of understanding the influence of Sharia banking services products to the merchant interest in applying for loans
Sustanaibility Strategy Management in Affecting Decisions for Purchase of Vehicles Through Leasing Shariah in Indonesia Pertiwi Utami
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1342

Abstract

Purpose: Public interest in the purchase of two-wheeled vehicles is very high. With relatively affordable product prices and a variety of applications, financing services facilitate access to vehicle ownership. The majority of consumers choose to use leasing conventional compared to Leasing Sharia. Why does this happen ?, how to attract consumers to be interested in using Leasing Sharia services.Design Methods: This study uses a literature review of interest management strategies and product prices that can be implemented against Sharia leasing to improve decision making for buying motorbikes (two-wheeled vehicles). The sharia economic approach is used as the main reference in expressing good corporate governance.Findings: The findings reveal that the application of efficiency, innovation and fintech sharia efforts is needed to increase consumer interest in vehicle purchase decision making through leasing sharia in IndonesiaOriginalty Value: Efficiency, innovation, and fintech technology based on sharia economic principles in management strategies are urgently needed, seeing the competition of the automotive industry is quite tight in Indonesia.
Marketing Strategy of Sharia Banking Products to Attract Public Interest in Transactions: Case Study at Jambi Regional Development Bank (BPD) Sungai Sungai Branch Office Mega Ilhamiwati; Yosi Maytesa
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1569

Abstract

Purpose:. Marketing is not difficult nor complicated. But, when it is not paid attention, it may impede the growth of the sharia (syariah) bank. Let alone with the dominant muslim population, the region development bank (BPD) will need to implement marketing strategies that will attract people to use syariah service.Design/Method/Approach : This field research uses a qualitative research approach because it leads to holistic circumstances and individuals.Findings:  According to the results of the study, the marketing plan for syariah products in the syariah services of the Jambi Regional Development Bank (BPD) branch office Sungai Penuh offered to the customers is based on the needs of each product, in PLC (Product life cycle) it means the offers depend on what product is at the time. The strategies implemented in the Jambi Regional Development Bank (BPD) syariah services in Sungai Penuh branch office is to priotitize customers with low-cost fund rather than the deposits with high-cost fund. Of course,the implementation of those strategies will meet various obstacles in the development of the upcoming products. However, BPD also has contributing factors in selling its syariah products.Originality/Values: Case study—BPD Jambi is differenciation study when compare to others.
Analysis of Customer Preference Factors for Qardh and Murabahah Products at Bank BRI Syariah of Bungo Regency Rahman Arifin; Busriadi Busriadi
AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i1.1492

Abstract

Purpose: This research was conducted at BRI Syariah KCP Muara Bungo, this was done because the researchers wanted to find out the influence of customer preferences using qardh and muarabah products with sharia system variables, products, services, places / locations and promotions to customer preferences at BRI Syariah KCP Muara Bungo.Design/Method/Approach:. This study uses a descriptive analysis approach and quantitative methods with the aim of examining the influence between variables studied through hypothesis testing. This study uses the Slovin formula to obtain sample sizes, for data analysis methods using multiple linear regression equation models. The assistance used is the SPSS statistical data processing program version 21.00. windows.Findings: The results showed that overall (simultaneous) there was a significant influence between variables consisting of sharia system variables, products, services, places / locations and promotions to customer preferences in BRI Syariah Muara Bungo KCP. While the variable that has the most influence is promotion (X5), because it has the highest regression coefficient.Originality/Values: Novelty of the study identified from issue studied constitently, and also place of where the study researched.

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