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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 138 Documents
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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.
Hubungan Interpersonal Skill Karyawan terhadap Minat Masyarakat Muslim Menjadi Anggota Koperasi Syari’ah Sisco Fernandes; H Hardiizon
AL-FALAH : Journal of Islamic Economics Vol 1, No 2 (2016)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i2.97

Abstract

The interpersonal skill is an ability to identify and respond a reasonable emotion, act, behaviour, motivation and desire of human being. It is sophisticated and need-skill in routine life. In fact, no one of individu can be isolated from the others. Each others need to others. To operate it, individu must have an specific ability to understand the others. In this context, the study is elaborated through mixed-methodology, the research sucessfully find some points. One of these is that, there is, clear and significant correlation between interpersonal skill and the interest of consumers of Islamic Koperasi, Barakoh of Curup. Keywords: Interpersonal Skill, reasonable Emotion, Motivation, and Interest of Consumers.
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.
Mitigasi Risiko Pembiayaan Pada Bank Perkreditan Rakyat Syariah (BPRS) Safir Cabang Curup Kabupaten Rejang Lebong Ika Gustin Rahayu; Hendrianto Hendrianto
AL-FALAH : Journal of Islamic Economics Vol 3, No 2 (2018)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v3i2.638

Abstract

Increasingly better risk mitigation will help realize the objectives of the BPRS, namely to improve the economy of the lower middle class. BPRS as one of the microfinance institutions must be faced with risks, especially financing risks. The purpose of this study is to find out the risk mitigation actions carried out by BPRS SAFIR in order to minimize risks properly. This research is a field research (field research) that uses a qualitative approach withmethod descriptive analysis. Data collection used is interviews with accounting staff and secondary data from the literature related to risk in BPRS. The analysis technique used is to classify the data obtained with each category which is then analyzed. The results of this study are: There are several stages of financing procedures at BPRS SAFIR, first is the submission of a financing application, the second is submission of the file to the Account Officer; Third initial survey by the Account Officer in charge, Fourth follow-up survey with several Account Officers; The five decisions on funding by branch managers, the sixth realization decision. The financing risk faced by BPRS SAFIR is credit risk and strategic risk, these two risks are also prioritized by BPRS SAFIR because they are caused by both partners. The mitigation measures of BPRS SAFIR in reducing risk are carried out by:First, establishing certain conditions for each financing that must be met by prospective recipients of financing facilities.The two binding guarantees are fixed assets and movable assets. Third, do monitoring periodic.
Aspek-Aspek Prioritas Manajemen Wakaf di Indonesia Khalifah Muhamad Ali; Meida Yuliani; Sri Mulatsih; Zaki Abdullah
AL-FALAH : Journal of Islamic Economics Vol 3, No 1 (2018)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v3i1.345

Abstract

One of the most potential Islamic economic instruments in Indonesia to improve the quality of people's welfare is waqf. This is supported by the demographic condition of Indonesia which majority is Muslim with big potential of waqf. Practically, the optimization of the potential is not yet in maximum condition and productive. The priority analysis of problems, solutions and strategies in waqf management in Indonesia is done in this research in order to maximize priority to made waqf management is more productive. This study uses primary and secondary data using Analytical Network Process (ANP) method. The result of the analysis shows that the lack of competence and lack of nazhir professionalism become the priority of the internal waqf management problem. While the priority of external problems is the lack of society understanding about waqf and also regulations that are less supportive. Improving the competence, guidance and mentoring of nazhir becomes the priority of internal solutions, while the priority of external solution is the optimization of the role of Badan Wakaf Indonesia (BWI) by improve the regulation by looking at the reality. Short term priority strategy that can be done is to socialize and educate about waqf to all elements.
Micro, Small and Medium Enterprises Financing in Islamic Rural Banks in Indonesia Alvira Aina A'yun
AL-FALAH : Journal of Islamic Economics Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v5i2.1188

Abstract

Purpose: Purpose of this paper to analyze relation between internal factorsconsist of CAR, ROA, ROE, NPF, BOPO and external factors consist of Inflation, Interest rate, exchange rate that influence Islamic Rural Bank financing to Small Medium Enterprises.Design/Method/Approach: This paper use financing SME data from Islamic Rural Bank, internal and external factor from Islamic Rural Bank in 2010-2018. The paper use vector autoregression if stasioner in level an use vector error correction model of stasioner and cointegration in first difference. Use IRF and VD analysis to predict in the future.Findings: Results indicate that inflation, interest rate, NPF and BOPO have long term effect in SME financing an in short term only NPF influencing in SME financing.Originality/Values: Islamic finance industry one of industry that very important, this paper adds to understand Islamic finance industry which has received limited attention. Novelty in this paper use SME financing in Islamic rural bank, inflation, exchange rate, interest rate.
Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel M Nur Rianto Al Arif; Ika Nurhikmah
AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i1.161

Abstract

Financing is one of the performance’s indicator in Islamic banking industry. The aim of this research is to examine the factors that influence the financing in the Indonesian Islamic banking industry. The method that used in this research is panel regression with fixed effect model. The variabels that used in this research are capital ratio, profitability ratio, default rate, liquidity ratio, efficiency ratio, deposit fund, inflation, and profit sharing yield. The result shows that the capital ratio, profitability ratio, efficiency ratio, deposit funds, and profit sharing yield had an impact on financing in the Indonesian Islamic banking industry. This result implies that the Islamic banks should maintain the internal factors to increase the financing in the Islamic banking industry.
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.
Individual Experience dan Persepsi Pedagang: Relasi Pengalaman Individual Dan Persepsi Pedagang Terhadap Bank Syariah Fajar Hajaru; H Hardivizon
AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i1.63

Abstract

The main differences of shariah institution and conventional can be indentified in the two system--application of loss and profit sharing; interest. Loss and profit sharing as an alternative system, or mechanisme to alter the ribawi system. In this context, the research applies a grounded theory. The result shows that their perception toward profit and loss sharing in islamic bank, essentially is based on individual experience. It is also a foundation for their choice toward islamic bank. Data informs that consumers interest to choose islamic bank because of profit and loss sharing. Keywords : Individual experience, perception, consumers, islamic bank, profit and loss sharing.
Timur Tengah dan Ekonomi Syariah: Studi Empiris terhadap Perkembangan Ekonomi Syariah di Timur Tengah Nur Azizah Latifah; Mulyono Jamal
AL-FALAH : Journal of Islamic Economics Vol 4, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v4i1.591

Abstract

Purpose: This study is intended to identify how the practice and development of Islamic economics in the Middle East - the Arabian Peninsula.Design / Method / Approach : This study begins with a process of historical reading of economic activity and how the Islamic economy is the norm applied by economic institutions. In drawing conclusions, this study intensely uses historical facts as the source and foundation of conceptualization and equity of study findings.Findings : Development of a Sharia Economy in the Middle East Before the birth of the oil era at the beginning of the 20th, the main Gulf region was on the southern coast, acting as a liaison to Indian markets from the West and Somalia from the East. One of them is Aden, a natural port of Yemen, where ships from Ethiopia and India dock. The eastern path through the coast of the southern Arabian peninsula and up to the Persian bay is a link through the sea from Yemen to Iraq and transmits by land to Sham. On the track, traders crossed the Yemeni, Iraqi, Palmyra and Syrian markets. In each region they sell commodities that are not there and also buy commodities in the region to be brought to other regions. Because of a number of factors, for the time being, the economic development of the region is arguably stagnant and escaped world attention. Along with the development of science and technology in the early twentieth century, the need for fuel oil began to increase.Originality /Novelty: This article is not only a reference, but also a copy that can be used as a historical foundation to understand the development of Islamic economics in Middle Eastern friends.

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