AL-FALAH : Journal of Islamic Economics
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.
Articles
146 Documents
<![CDATA[Potensi Pengembangan Produk Pembiayaan Natural Uncertainty Contract (NUC) Di Bank Syariah Terhadap Sektor Ril UMKM ]]>
<![CDATA[Trimulato Trimulato]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/jie.v1i1.59
<![CDATA[The data suggests that the financing agreement for the results did not become dominant. The contribution of financing in sharia’ah banks with murabahah sale and purchase agreement of 63.868 percent. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including shari’ah banks. Financing products with mudharabah it is appropriate to sustain the business capital of SMEs. Based on data that the growth of SMEs in 2013 of 56,534,591 into 57,895,721 or grow around 2.408 percent. It takes a good response for shari’ah banks to provide financing for SMEs. This paper uses a descriptive qualitative. The paper is focused on products with the financing agreement Uncertanty Natural Contract (NUC) at the shari’ah bank and real sector SMEs. The research uses literature study from various sources. The results descrobes that the potential development of financing products with NUC contract in shari’ah bank is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This indicates that the loan product NUC financing in shari’ah banks are very suited to the conditions and character of SMEs. Potential financing agreement NUC product development in Islamic banks are still very large and very spacious. Keywords : Potential, Shari’ah Banking, Natural Uncertanty Contract (NUC),Real Sector and SMEs.]]>
<![CDATA[Efektifitas Penyaluran Dana ZIS : Studi Kasus pada SMA Terbuka Binaan LAZ Sukses Kota Depok ]]>
<![CDATA[Nurul Ichsan Hasan]]>;
<![CDATA[Rona Roudhotul Jannah]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 4, No 1 (2019) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v4i1.775
<![CDATA[Purpose: This study aims to analyze the effectiveness of the ZIS fund distribution program in the form of school operational assistance in SMA Terbuka assisted by LAZ Zakat Sukses, Depok.Design/Method/Approach: There are 4 variables that can measure the level of effectiveness in this study. Among other things, the accuracy of program targets, program socialization, program objectives, and program monitoring. The four variables fall into the range of effective value scales. That is, accuracy of program targets: 3.13. program socialization: 3.25. program objectives: 3.11. program monitoring: 2.94. Findings: The final result of the program effectiveness level score shows a value of 3.11 .Meaning that the value is in the range of effective scales. In general, the distribution of ZIS funds in the form of operational assistance in SMA Terbuka assisted by LAZ Zakat Sukses of Depok City has been effective.Originality/Values: This study contributes extensively in introducing a measurement of how the efectivity of ZIS distribustion, especially in Terbuka Senior High School which maintained by LAZ Sukses, Depok]]>
<![CDATA[Konsep Maqashid Syariah Menurut Al-Syatibi Dan Kontribusinya Dalam Kebijakan Fiskal ]]>
<![CDATA[Nabila Zatadini]]>;
<![CDATA[Syamsuri Syamsuri]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 3, No 2 (2018) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v3i2.587
<![CDATA[Economic inequality is a common problem for all people in the world. To overcome this inequality government intervention is needed through fiscal policy. Successful fiscal policy took place during the Caliphate Umar bin Abdul Aziz who used maqashid sharia as its foundation. One Muslim scholar who has deep thoughts about maqashid sharia and contributes to the economy is Imam al-Syatibi. For this reason, research is needed on Maqashid Shari'ah and its contribution to fiscal policy. This paper aims to examine al-Syatibi's thought about maqashid syari'ah followed by its contribution to fiscal policy. The results of this study are maqashid sharia according to al-Syatibi aimed at maslahah which is classified into three dimensions: primary, secondary, and complementary. Maqashid Shari'ah has a big contribution in three aspects of fiscal policy, namely state expenditure, tax collection and household costs.]]>
<![CDATA[Solusi Ekonomi Islam Terhadap Rekayasa Helah (Praktek Riba) ]]>
<![CDATA[Damri Batubara]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/jie.v2i2.262
<![CDATA[Islam places economic activity as one of the most important aspects of gaining glory, and therefore economic activity, like any other activity, needs to be controlled and guided in line with the objectives of Islamic Shariah. However, some people take advantage of the legitimate contracts of Islamic law to be able to do usury, or legitimize usury through the engineering of legitimate contracts, or make a legitimate contract as a shield of usury usage called helah (engineering practice usury. If the perpetrator intends to deliberately do helah to justify usury where the first and second sale is not the goal of both parties, but only serve as a tool to justify usury, then no doubt about the prohibition of their actions because a road to the haram is also illegal, because human actions are measured according to their intentions.]]>
<![CDATA[Effect of Understanding Product Services Shariah Banking Interest of Traders in Submitting Loan: Case Study in Pasar Anyar, Serang, Banten ]]>
<![CDATA[Ersi Sisdianto]]>;
<![CDATA[Harrys Pratama Teguh]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 5, No 1 (2020) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v5i1.1457
<![CDATA[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]]>
<![CDATA[Kepuasan Muzakki Terhadap Kualitas Pelayanan Zakat Pada BAZ (Badan Amil Zakat) Kabupaten Kerinci ]]>
<![CDATA[Hendrianto Hendrianto]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 1, No 2 (2016) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/jie.v1i2.99
<![CDATA[The muzakki satisfication towards the service quality in BAZ (Badan Amil Zakat) is different each others. It is because of the complicated-factors. Based on that assumption, the research is focused to measure the muzzaki utility towards the service quality of BAZ, Kerinci District. Applied the quantitative method, the study result a main finding in which the trend of muzakki utility toward BAZ service is good enough. But, in other cases, a part of them feels not enough in satistification. It can be proved from the tangible (CM) score ON 211. Keywords: Muzakki utilty, Service, Quality, Satisfication and Zakat Apparatus.]]>
<![CDATA[Fintech for Sharia Micro Finance Institution: Qualitative Analysis toward Utilization of Financial Technology in BPRS and BMT ]]>
<![CDATA[Trimulato Trimulato]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 4, No 2 (2019) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v4i2.917
<![CDATA[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.]]>
<![CDATA[Boosting The Welfare of Business Community: Implementing The Model of Islamic Micro Bank of Waqf in Pesantren ]]>
<![CDATA[Marlya Fatira]]>;
<![CDATA[Anriza Witi Nasution]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 4, No 1 (2019) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v4i1.771
<![CDATA[Purpose: The Paper is to study the Ability of micro waqf bank (BWM) in boosting The Welfare of Community Business Group at the Islamic Boarding School.Design/Method/Approach : This study uses a descriptive analysis. It intensively Implemented a qualitative approach to obtain information and collected the data needed through conducting interviews directly with informants. Both Observation and library study also applied to extent the secondary data. These methods were conducted to look at the Micro waqf bank model in Islamic boarding schools in Java of whether is able in boosting The Welfare of Business Community around the Islamic boarding school.Findings: The Islamic Boarding School-based Micro-Waqf Bank Model in Java that was applied for community empowerment was carried out a productive financing models in order to make communities able to manage the business--with a financing value of 1-3 million rupiah, within a maximum period of 1 year and payment per week with a maximum margin value equal to 3%. Building a Micro Waqf Bank in the Pesantren can perform through collecting a set of data of cooperative business entities in boarding schools, obtaining LKMS business licenses, obtaining funding for the establishment of BMW, selecting financing customers, and conducting training for selected customers of BWM financing.Originality/Values: The main contribution of this study concern on filling the gap of how the micro bank of waqf efectivelly boost the welfare the bussiness community in pesantren.]]>
<![CDATA[Ekonomi Dan Penguasa (Pemikiran Ibn Taimiyah tentang Mekanisme Pasar) ]]>
<![CDATA[Syarial Dedi]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 3, No 1 (2018) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/jie.v3i1.442
<![CDATA[The classical scholars not only focus on the issue of ritual worship, but also pay attention to the economic problems of society and even indicated theories of modern conventional economics is the adoption of the results of their thinking. One of them is Ibn Taymiyyah. Its has inspired the market mechanism. Prices are handed over to businesses naturally, without being interfered with by the government. On the other hand religion gives authority to the government that must be obeyed by the ruler in taking care of them. This study uses the method of literature with the conclusion that in the free market, the price is considered by the strength of supply and demand. Free market runs fair, reasonable, likes the same likes and no distortion. However, the market mechanism is not always running perfectly, often distortion occurs. In this condition, the state's role as the supervisor of development morality is needed to make people aware that moral norms and ethical values are very important as the principle of development that must be implemented in the life of the economy. This means that Ibn Taymiyya'hs economic thought is in line with the duties and authorities of the ruler.]]>
<![CDATA[The Zakat Maal Management In The National Zakat Agency, Palembang City ]]>
<![CDATA[Rijalus Sholihin]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 5, No 2 (2020) ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Curup ]]>
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DOI: 10.29240/alfalah.v5i2.1323
<![CDATA[Purpose: The purpose of this study was to determine the management of Zakat Maal in the National Amil Zakat Agency (BAZNAS) of Palembang City and to determine the management of Zakat Maal l distribution in the National Amil Zakat Agency (BAZNAS) of Palembang City, and to find out the factors that are supporting and inhibiting the management of Zakat Maal in National Amil Zakat Agency (BAZNAS) in Palembang City. Design/Method/Approach: This type of research uses field research. Qualitative descriptive approach. Sources of data in this study are primary data and secondary data. Data collection techniques are observation, interview, and documentation. Data analysis techniques used in this study by descriptive methods such as data collection and then classified into data.Findings: The result of the research is that the management of Zakat mal l collection has just been socialized so that muzakki has not been too much even though the potential for muzakki is quite large. The absence of regulations related to the collection of Zakat maal to the public. The obstacles faced by the Palembang City National Amil Zakat Agency (BAZNAS) in the form of lack of human resources both in the field of collection and distribution and utilization, and less proactive and lack of transparency so that the interest of muzakki paying Zakat Maal at the National Amil Zakat (BAZNAS) of Palembang City is less interested in paying Zakat Maal l.Originality/Values: Provide information to the public on how to the management of Zakat Maal in the National Amil Zakat Agency (BAZNAS) of Palembang City]]>
