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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 9 Documents
 1 
Search results for , issue "Vol. 8 No. 2 (2023)" : 9 Documents clear
Islamic Banking Development and Its Influence on Unemployment in Indonesia Fajri, Mohammad Zen Nasrudin
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.6827

Abstract

Purpose: This paper aims to discover how the Islamic Bank’s development affects unemployment in Indonesia. It also tries to reveal to what extent the Islamic Bank’s development affects unemployment in Indonesia.Design/Method/Approach: This study is a quantitative research that uses the Generalized Method of Moments (GMM) in analyzing the provincial data spanning from 2010 to 2021in Indonesia.Findings: The findings of this research show that Islamic Bank’s asset has a positive relationship with unemployment in Indonesia, whereby a 1 percent increase in Islamic Bank’s asset will increase unemployment by 0.21%. Likewise, a 1 percent increase in the Third-party Fund of Islamic Bank in Indonesia contributed to a rise in unemployment by 0.09 %. On the contrary, total financing channeled by the Islamic Bank in Indonesia reduced unemployment by 0.13 %. It can be seen from the result that the impact of Islamic Bank development in Indonesia can be seen from the total funds channeled to the business. The more the funds are channeled to the business, the more it can reduce unemployment in Indonesia.Originality/Values: This study is the first to analyze how Islamic Bank would influence unemployment using third-party funds, total assets and total financing.
Analysis of Sharia Kalsel Bank Service Quality in Banjarmasin City Using the Importance Performance Analysis Method Wahab, Abdul; Fitriana, Yunisia; Mahdiya, Ilma
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.8283

Abstract

Purpose: The purpose of this research is to discover how the service satisfaction level of Sharia Kalsel Bank in Banjarmasin City is being improved using the use of importance-performance analysis.Design/Method/Approach: This study is a field study with a quantitative descriptive approach. Purposive sampling is a non-probability sampling technique that involves taking samples based as being a customer of Sharia Kalsel Bank for at least one year, with a sample of 100 respondents.Findings: This study show that the service quality of Sharia Kalsel Bank in Banjarmasin City does not meet the criteria for excellent or best service because there is a gap between the average value of performance level and the average value of interest/importance level. The following service factors are identified as needing to be improved on a priority basis using the Cartesian diagram: 4 (Provide service within the estimated time), 7 (Fast service), 14 (Employees give individual (personal) attention to customers regardless of social status), 15 (Full attention of employees to give service for customer), 16 (Prioritize customers need), and 17 (Employees who understand customer needs), 23 (Contracts used in accordance with Al-Quran Hadith, and DSN Fatwas).Originality/Values: The results of measuring the level of customer service satisfaction and the proposed priority actions that can be taken to improve the quality of service at Bank Kalsel Syariah Banjarmasin City. 
Unlocking Opportunities for Shariah Business Units: A Prospectus for Post-2023 Dynamics Pratama, Aditya
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.8250

Abstract

Purpose: The Paper aim to explore what possibilities Shariah Business Units could hold the mandate of Law Islamic BankingDesign/Method/Approach: This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through relevant literatures and studies.Findings: This paper provide several recommendations such as a direct spinoff for the five SBU with the largest assets, combining BUS with an existing Islamic Bank, combining several SBU and then spinoff, and finally converting Conventional Bank which has SBU to become an Islamic Bank.Originality/Values:  This study's originality lies in its comprehensive analysis of the strategic implications and potential outcomes for Shariah Business Units (SBU) within conventional banks, considering a specific legal timeframe, multiple transition scenarios, and practical recommendations for stakeholders in the evolving landscape of Islamic banking.
Bu Nyai Novelis And Bu Nyai Boardings-Based Economics: A Study of Bu Nyai Boardings-Style Economization In Indonesia Sopiyatun, Sopiyatun; Abidin, Munirul; Ekowati, Vivin Maharani
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.7535

Abstract

Purpose: The Paper is to study Bu Nyai novelist as the economic based of Bu Nyai based Islamic boarding schools in IndonesiaDesign/Method/Approach: This study the authors used a literature review that departed from existing literature studies, could be social media, existing books and journals, research was qualitative and data presentation used descriptive analysis, one of the approaches used was the historical approach to reveal the biographies of the three figures appointed in this paper, and several media-based observations to read and present the data used in this study. These methods were conducted to look at the Islamic boarding school economic network/ Bu Nyai Islamic boarding school based economization in Indonesia.Findings: This research has the following conclusions: First, the role of Bu. Nyai in the field of science and technology has been opened and the impact of progress in science and technology is not only for Bu Nyai, but also Pak. Kyai, Bu. Nyai's role in the field of employment is increasing, and Islamic boarding schools provide space for women to move. Not nyai in developing science and technology and involvement in the field. Second, the role of Bu. Nyai as a wife which includes being a wife which includes helping her husband, clearing up household affairs, using money functionally, maintaining healthy social relationships or relationships, maintaining and developing family relationships and fulfilling the function of a wife towards her husband as well as possible. Bu Nyai's role as a mother is to fulfill children's needs, as an example or model for her children, as a stimulus for child development, and as a public figure, and the roles of Bu Nyai and Pak Kyai in the domestic sphere are broadly balanced, except in the matter of roles especially the wife who is in charge of women's biological needs.Originality/Values: The main contribution of this study what is Bu Nyai's public role in the economic perspective of Islamic boarding schools, and what is the domestic role of Bu Nyai Novelis in the perspective of Islamic boarding schools.
The Influence of Islamic Insurance And Islamic Banks on Indonesia's Economic Growth For The Period 2016-2022 Batubara, Maryam; Andiyanto, Sakti
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.8210

Abstract

Purpose: The goal of this research is to discover and assess the impact of Islamic insurance and Islamic banks on economic growth. Examining the Impact of Islamic Insurance on Indonesian Economic Growth and the Impact of Islamic Banks on Indonesian Economic Growth. In this scenario, the research was carried out between 2016 and 2022.Design/Method/Approach: This is descriptive study using a quantitative research technique. With secondary data sources obtained from financial reports published by the Financial Services Authority (OJK), namely IKNB Sariah which contains financial reports for all sharia insurance and banking statistics for the 2016-2022 period. In this research, the population and sample are all monthly financial reports of Indonesian Sharia Insurance and sharia banking in quarterly form for the period 2016-2022. Economic growth is the research's dependent variable. Meanwhile, Sharia Insurance and Sharia Banking are the independent factors. This study's data will be examined utilizing research instrument testing, traditional assumption tests, multiple regression tests, and hypothesis tests.Findings: According to the partial test results, the Islamic insurance variable has no significant influence on economic growth in Indonesia for the 2016-2022 periods; however the Islamic banking variable has a positive and substantial effect on economic growth in Indonesia for the 2016-2022 periods. While the test findings between Islamic Insurance and Islamic Banks on Indonesian Economic Growth, the two data evaluated in this study combined have a substantial impact on economic growth.Originality/Value: This study adds value by examining the impact of Islamic Insurance and Islamic Banks to annual economic development in Indonesia from 2016 to 2022. Also as a fundamental study to see the opportunities and weaknesses of Islamic Insurance and Syraiah Banking in Indonesia, for Indonesia's economic growth.
Critical Study of Keynes Consumption Theory According to As-Syaibani in Al-Kasb Book Arief, Suyoto; Handayani, Agung Lia; Wibisono, Vina Fithriana
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.7199

Abstract

Purpose: The study aims to criticize the consumption theory concept of the classical economist revolutionary John Maynard Keynes, with the theory of consumption in his book Al-Kasb belonging to Asy Syaibani, a figure who contributed to the Islamic economy, and the originator of the first work classification system.Design/Method/Approach: This study uses library research with a descriptive approach. Data collection techniques are form of collecting information data through books, journals, websites, and important documents related to research.Findings: The result of this study found that Keynes argued that current disposable income has a significant impact on current consumption. According to Keynes there is a minimal consumption limitation, it is independent of one's amount of income. This indicates that even if income is zero, the level of consuming must be maintained. His theory actually contends is a rational economy that influences individual consumption, income distribution, and also goes to hinder the growth of the national economy.Originality/Values: The contribution of this study is to see how Muslim consumers can act more rationally when they want to release some of their economic consumption, increase material and spiritual satisfaction. With ifaq consumption or issuing zakat can play a significant part as an economic stabilizer among Muslims.   
Consumer Protection against the Marketing of Jangek Cracker Products Not Halal Certified in Terms of Law Number 33 of 2014 Concerning Halal Product Assurance Rahma, Putri; Irwansyah, Irwansyah
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.8485

Abstract

Purpose: Indonesia is a Muslim-majority country. The state must be able to provide protection to its citizens to carry out religious teachings. One of the obligations of Muslims is to consume halal food/drinks. Consumer Protection Law No. 8/1999 then Law No.  33/2014 on Halal Product Assurance is access for Muslim consumers to obtain halal products.Design/Method/Approach: This research is a type of qualitative research that aims to find out how the condition of halal products in the jangek cracker industry and to find out how the Halal Protection Guarantee Law imitates the absence of halal certification in the jangek cracker industry in Medan Deli DistrictFindings: The results of this study show that the products marketed by the industry are true not to have halal certification on the grounds that the manufacturer states that this industry is only a cottage industry that is not required for halal certification. If viewed from the aspect of Law No. 33 of 2014 concerning JPH that the absence of halal certification in the jangek cracker industry in Medan Deli District has violated article 4 of the JPH Law which requires all products marketed to go through halal certification except for products that are derived from haram ingredients, besides that the above problems also result in the loss of consumer rights that have been regulated by law.Originality/Values: The research will provide guarantees for legal protection of Muslim consumer rights against products that are not halal, but also increase the selling value of business actors' products, because consumers will no longer hesitate to buy products traded by business actors.
Market Potential of Halal Products in Aceh: Case Study of Halal Industry Based on Halal Product Data 2014-2022 Ramadhan, Ramadhan; Ulfah, Almira Keumala; Nurzianti, Rahma; Bunkes, Panetir; Kadriyani, Emilda
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.7083

Abstract

Purpose: The majority of people in Aceh Province are Muslims, and the region strictly adheres to Sharia law, particularly in the halal products sector. With a focus on Aceh region, this study attempts to assess growth, obstacles, and solutions in the development of the halal business and halal goods in Indonesia.Design/Method/Approach: This study employed qualitative approaches to find material from secondary sources, including books, journals, and national statistics organizations, and to gather data.Findings: The provincial administration of Aceh has worked to establish the halal market and halal goods as an important economic driver.Originality/Values: The number of visits from visitors, particularly those from outside, is rising year after year, which reflects this expansion. The administration of Aceh province anticipates advantages from this research in the growth of the halal sector and halal goods.
E-Gold and Investment Challenges: How Digital Gold Works for Economic Recovery after Covid-19 Pandemic Soi, Andi Bahri; Yusuf, Hardyansyah; Damirah, Damirah
AL-FALAH : Journal of Islamic Economics Vol. 8 No. 2 (2023)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v8i2.8487

Abstract

Purpose: This study aims to analyze the urgency of gold (e-gold or digital gold) invested for economic recovery after Covid-19 pandemic.Design/Method/Approach: This study applied descriptive qualitative with a literature review approach. The data collected through documentation from authoritative agent on investment business and observation on economic turbulence during the days of Covid-19 pandemic. The data obtained from market review reports, finance symposium summary, economic and business news, article journals, and some relevant books. While the data analysis technique developed base on conclusion drawing technique in order to fine out a systematical analysis as well as objective conclusion.Findings: The results show that gold investment is really recommended because more profitable and gold performed relatively better than many other assets in the early pandemic stages. Besides, the digital transaction was appointed in the Qur’an, Hadith and `Ijma’. Meanwhile, there are two opinions regarding allowance and prohibition related to digital gold investment. First, it is forbidden due to the payment by credit not cash. In addition to the four madzhabs' opinion, this transaction must be complied the cash transaction requirements in order to prevent the usury. The second is Ibn Taimiyah's opinion and DSN-MUI regulation shown that as long as the transaction fulfills the requirement, it is allowed.Originality/Values: The main contribution of this study concern on filling the gap of how urgency the e-gold investment for recovering the economic impact of pandemic and how e-gold investment according to the Islamic economic perspective. 

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