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Contact Name
Hendrianto
Contact Email
hendrianto9909@gmail.com
Phone
+6282388606087
Journal Mail Official
alfalah@iaincurup.ac.id
Editorial Address
Jl. Dr. Ak. Gani No. 01 Curup, Rejang Lebong, Bengkulu Indonesia
Location
Kab. rejang lebong,
Bengkulu
INDONESIA
AL-FALAH : Journal of Islamic Economics
ISSN : 25482343     EISSN : 25483102     DOI : http://doi.org/10.29240/jie
Core Subject : Religion, Economy,
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
Peran Negara Dalam Distribusi Kekayaan (Perspektif Ekonomi Islam) Kuni Zakiyah
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.v2i1.88

Abstract

One of the most fundamental objectives of Islam is to bring happiness (Falah) for all Moslems both in the world and in the Hereafter and to realize the brotherhood among members of the Moslems community. This objective cannot be achieved if there are inequality and injustice in the distribution of wealth among society, the gap between the rich and the poor is still widening and there is class conflict/class struggle in society. In order to realize a fair distribution of wealth, fair and equitable, enforceable by means of the mechanisms of economic and non-economic mechanisms. Economic mechanism directed towards the productive sector, whereas non-economic mechanism, is not through productive economic activity, but through non-productive activities, for example, zakat, inheritance, and sodaqoh sunnah.
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.
Keuangan Inklusif Bank Umum Syariah Dalam Mendukung Usaha Mikro Kecil dan Menengah Erna Wati
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.v1i1.57

Abstract

This study examines the financial inclusive SMEs on Indonesian Islamic Commercial Bank (ICB). Data used is secondary data from the publication of the Financial Services Authority (FSA) and the publication of ICB. The indicators examined including of the dimensions of use, physical accessibility and price affordability. The results showed that the preferences of ICB on SMEs access were not related with the size of the bank. The three largest ICB is more lower preference allocation to SMEs. Although Islamic banking office network experienced an increasing trend, but physical accessibility for regency still limited. SMEs still have a low price affordability, contrary to the Shariah Rural Bank (SRB). The results also showed that the lower price affordability the higer NPF of SMEs, which implies trade off between price affordability and collectability of financing. Keywords : Inclusive Finance, Physical Accessibility, Affordability, Dimension Usage
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 Typology of Sasaknese Muslim Scholars’ Views in Lombok toward the Hybrid Contract as a Problem-Solving in Islamic Finance Musawar Musawar
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.v3i2.522

Abstract

This paper studies the views of Sasaknese Muslim Scholars toward the Hybrid Contract, in Lombok Island Indonesia in terms of their argumentations, typologies, and applications which becomes confusion in the society. The paper argues that problem in the transaction exists clearly. It is because of the limited meaning of Riba which is very strict that raises the society to fear to do the both in individual and group transactions since Riba have been prohibited by Al-Qur’an. While, the globalization of economic world rapidly runs which people must catch up with it. Then, related to the financial aspect of the Islamic teaching is tasted that it is running at its place. Hence, it needs to the solution. One of the solutions is applying Hybrid Contract in the view of TGH where they are very influential the life of society. Moreover, Lombok island is popularly known as thousands mosque island and soon as being seen from different references and facts. Consequently, for understanding the above phenomenon, the researcher used qualitative approach, juridical approach, and sociology by collecting data through observation, and interview to know typology Muslim scholars about hybrid contract by a hope to be the contributions for the government to take a policy. .
Konsep Screening Saham Syariah di Indonesia Refky Fielnanda
AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i2.255

Abstract

Tulisan ini membuktikan kelemahan pemikiran Alhabshi, Khatkhatay dan Nisar, dan Donia dan Marzban, yang menyatakan bahwa pada kondisi sekarang ini saham dalam proses screening sepenuhnya murni syariah dan terbebas dari spekulasi sangat langkah dan hampir mustahil bisa diterapkan. Argumen mereka bahwa sebagian besar negara memiliki lembaga keuangan konvensional. Disamping itu, screening untuk saham syariah menghambat investor untuk berinvestasi. Dalam konteks fuqaha>’, ada sebagian yang mengharamkan praktik jual beli saham. Sebagaimana diungkapkan oleh Taqi> al-Di>n al-Nabha>ni> dan Yusuf al-Sabatin mengungkapkan bahwa transaksi saham dianggap batal secara hukum, karena dalam masalah transaksi saham tidak tepat menggunakan analisis mas}lah}ah mursalah. Sumber data yang digunakan dalam tulisan ini adalah Fatwa DSN-MUI No: 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal, Peraturan Bapepam-LK Nomor: KEP-181/BL/2009 ditindaklanjuti dengan Peraturan Nomor: KEP-208/BL/2012. Sementara cara membacanya, semua data yang diperoleh disusun secara sistematis dengan menggunakan pendekatan yuridis (Shar‘i), sosiologis, dan ekonomi. Kemudian data tersebut dianalisis dengan menggunakan analisis isi (content analysis).Temuan tulisan ini memperkuat pemikiran Gholamreza Zandi, Seif El-Din I Taj, Zamir Iqbal, dan Sami al-Suwailem, menurut mereka bahwa di setiap negara pasar modal sangat penting sebagai salah satu penggerak perekonomian suatu negara. Oleh karena itu, sistem pasar ekuitas harus diawasi dengan baik, dengan melakukan screening terhadap emiten yang melanggar dari aturan hukum Islam. Dalam konteks para fuqaha>’, temuan tulisan ini juga memperkuat pemikiran S{a>lih} ibn Muh}ammad ibn Sulayma>n al-S{ult}a>n dan Ah}mad ibn Muh}ammad al-Khali>l sepakat bahwa saham dalam Islam adalah bagian dari investasi. Oleh karena itu, untuk menghindar pelanggaran dari prinsip syariah, maka dilakukan screening terhadap saham syariah.
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.
Aplikasi Akad Tabarru’ Wadi’ah dan Qard di Perbankan Syariah Ilda Hayati
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.v1i2.100

Abstract

The economic transaction in Islam is not always to orientate on commercial, and profit-oriented activity. It is namely with tabbaru‟—all of agreement intentionally related to non-profit. The „aqd can be an activity of which gives or borrows something. In fact, especially in Islamic Bank, that „aqd is consistently maintained in the tabbaru‟ principles. The existed-cost in conserving, is obviously as an avoindance-compentation. The paper will examine the wadi‟ah concept and qard in Islamic Bank. Keywords: Application, Tabbaru‟ „Aqd, Wadiah, Qard and Islamic Bank.
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.
Kaedah Pendidikan Akuntansi dalam Konsep Ekonomi Syariah Taufik Hidayat
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.v1i1.61

Abstract

The development of world indicated an acceleration of human lifes. It makes human act to be legatimated trought law, norm and ethics. It also strive for islamic role to be legalized of human action—bussiness, and others. It is a signifier of shariah principles implementation. In this context, shariah accounting is a main pillars of implemented-shariah principles in accounting processs. Theoritically, shariah accounting is socio-economics disciplines of which was formulated from shariah values, and norms. Its goal is to control the human act—bussiness, and also avoid them from savage mind, corrupt behavior. The paper applies the library study in order to clearly formulate various concept of islamic accounting in Islam. Keywords : Education, Shariah Accounting, Kaffah, Islamic Economics, and Socio-Economics.

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