cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
farid fathony ashal
Contact Email
mes.pps@ar-raniry.ac.id
Phone
+6282369772577
Journal Mail Official
mes.pps@ar-raniry.ac.id
Editorial Address
https://journal.ar-raniry.ac.id/index.php/JoSE/about/editorialTeam
Location
Kota banda aceh,
Aceh
INDONESIA
Journal of Sharia Economics
Published by Universitas Islam Negeri Ar-Raniry Banda Aceh
ISSN : 27743551     EISSN : 27743543     DOI : https://doi.org/10.22373/jose.v1i2.642
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Sharia Economics focuses on the studies pertaining to the field of Islamic Economics and Finance. Journal of Sharia Economics welcomes the contributions from related academicians and practitioners on the following topics: Islamic banking Islamic insurance/ takaful Islamic accounting Islamic business ethics and Islamic contemporary economics and business issues Islamic work ethics Islamic corporate social responsibility Islamic financial management Islamic financial technology Islamic business management Islamic business policies, strategies, and performance Islamic business and retail research Islamic economics policy and decision-making Islamic business security and privacy issues Islamic e-commerce Islamic consumer behavior Islamic business relationship management Islamic marketing Islamic management and retail marketing Public relations and retail communication Innovation and product development
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 121 Documents
 4   5   6   7   8 
EVALUATING NPF OF MURABAHA SETTLEMENT STRATEGY: PERSPECTIVE OF RISK MANAGEMENT AND DSN MUI'S FATWA Mulia, Rika; Said Rafli Ridha; Fithriady
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.3311

Abstract

Non-Performing Financing (NPF) is one of the indicators in evaluating bank performance. Financing products with murabaha contracts are one of the products that dominate the Islamic banking industry where the percentage of its NPF will also affect profits. This study examines the strategy implemented by one of the Bank Syariah Indonesia (BSI) Area Office in Aceh Province towards Murabaha NPF from two perspectives, risk management and Fatwa DSN-MUI using a descriptive approach. The results conclude that in handling NPF, banks begin with negotiation/mediation approach, then gradually rescheduling, restructuring, reconditioning, execution of collateral/auctions and litigation. Those steps are in accordance with risk management concept in terms of preventing NPF and consistent with Fatwa DSN-MUI in terms of NPF settlement. However, among the obstacles are bad character debtors so that the settlement process will take a long period of time and keep being suspended. This is certainly a significant viewpoint for banks that educating and socializing the management of financing must be explained from the beginning and ensure that debtors understand all related applicable bank regulations. Keywords: Murabaha Financing, Non-Performing Financing, Risk Management, Fatwa DSN-MUI, Islamic Banks
SOCIOLOGICAL STUDY OF THE DEVELOPMENT OF ISLAMIC BANKING WITHIN THE LEGAL SYSTEM IN INDONESIA Kholili, Muhammad
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.3413

Abstract

The development of Islamic Financial Institutions (LKS), particularly Islamic banks, in Indonesia has seen significant growth, especially following the enactment of Law No. 21 of 2008 on Islamic Banking and Supreme Court Regulation (PERMA) No. 2 of 2008 on Shariah Economic Dispute Resolution. With the increasing number of institutions operating based on Shariah principles, various new issues related to Shariah compliance have arisen.Fatwas issued by the DSN-MUI hold legal authority in determining Shariah aspects in the economy, including banking. On the other hand, Shariah Economic Dispute Resolution (KHES) plays a role as a social control tool to manage practices not compliant with Islamic commercial law, especially in economics. This research, a descriptive qualitative study with a normative sociological approach, utilizes codified legal sources like KHES and DSN-MUI fatwas. The results suggest that, from a sociological perspective, KHES was developed as a response to the evolving landscape of Shariah economic practices requiring a legal framework. Stakeholders in Shariah economics and finance are expected to actively contribute to its improvement. DSN-MUI fatwas, in a social context, provide a solution for addressing non-compliant financial institutions, reconciling differences among scholars, and promoting Islamic principles in economics and finance.
ANALISA EFISIENSI KINERJA UNIT USAHA SYARIAH BANK PEMBANGUNAN DAERAH MELALUI PENDEKATAN METODE STOCHASTIC FRONTIER ANALISYS (SFA) Suci Ati, Nia; Sani Muharrami, Rais
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.3439

Abstract

Penelitian ini bertujuan untuk menganalisis nilai tingkat efisiensi Unit Usaha Syariah yang dimiliki oleh Bank Pembangunan Daerah di Indonesia untuk periode tahun 2020 s.d. 2022, serta mengidentifikasi variabel-variabel yang berpengaruh signifikan terhadap nilai tingkat efisiensi Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia. Tujuan dari penelitian ini untuk melihat tingkat efisiensi kinerja Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia dalam mempersiapkan kebijakan pelaksanaan spin off maupun konversi menjadi Bank Umum Syariah. Unit Usaha Syariah Bank Pembangunan Daerah dituntut untuk memperbaiki permodalan dan memperhatikan efisiensi agar memiliki daya saing tinggi, serta memiliki peran lebih nyata pada perekonomian nasional. Penelitian ini fokus pada penilaian tingkat efisiensi melalui pendekatan teknis, dengan mengukur teknik dan hubungan operasional dalam proses penggunaan input menjadi output. Variabel input yang digunakan terdiri dari Dana Pihak Ketiga, Biaya Tenaga Kerja, dan Aset. Sementara variabel output yang digunakan terdiri dari Pembiayaan dan Pendapatan Operasional. Penelitian ini menggunakan sampel 12 Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia dengan pendekatan metode Stochastic Frontier Analisys (SFA), didapatkan bahwa secara keseluruhan Unit Usaha Syariah Bank Pembangunan Daerah memiliki nilai tingkat efisiensi yang baik dengan rata-rata nilai tingkat efisiensi diatas 99%. Selanjutnya dengan menggunakan regresi tobit, dihasilkan bahwa aset memiliki pengaruh signifikan untuk meningkatkan nilai tingkat efisiensi Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia, sementara Dana Pihak Ketiga dan Biaya Tenaga Kerja memiliki pengaruh signifikan untuk menurunkan nilai tingkat efisiensi Unit Usaha Syariah Bank Pembangunan Daerah di Indonesia. Kata kunci : Efisiensi; SFA; Regresi Tobit
PENGEMBANGAN EKONOMI BERBASIS SYARIAH DI ERA DIGITAL: ANTARA PELUANG, TANTANGAN, DAN KENDALA Afwadzi, Benny; Djalaluddin, Ahmad
Journal of Sharia Economics Vol. 5 No. 1 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i1.3966

Abstract

A Sharia-based economy faces problems that take work. Not only is there minimal public knowledge, which has resulted in the assumption of equality between Sharia economics and conventional economics but there has also been a decline in Sharia economics in Indonesia. Not to mention the era of digitalization, which has completely changed Sharia economic practices; based on this, this article examines the development of Sharia-based economy in the digital era. The study is limited to aspects of opportunities, challenges, and obstacles. This article aims to understand the context of Sharia economics and how development must be implemented. Using a qualitative approach with library research method, the authors find that Sharia economics is an economy based on Islam. It must adopt digitalization today. Regarding several Sharia economic opportunities in the digital era, namely the Indonesian community as the largest Muslim community and product promotion in digitalization, the challenges are human resources and cyber security. At the same time, the obstacles are minimal public awareness and technological limitations. These opportunities, challenges, and obstacles have implications for the development of the Sharia economy, which must rely on digital aspects with all their shortcomings.
PENGARUH QUALITY PRODUCT, BRAND IMAGE, HALAL LABEL TERHADAP CUSTOMER SATISFACTION Dinda Maysafira
Journal of Sharia Economics Vol. 5 No. 1 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i1.3974

Abstract

ABSTRAK Tujuan penelitian ini adalah untuk mengetahui dan menganalisis Pengaruh Quality Product, Brand Image, Halal Label Terhadap Customer Satisfaction, metode penelitian ini adalah kuantitatif dengan menggunakan data primer teknik purposive random sampling dengan jumlah 100 responden melalui pernyataan kuesioner penelitian yang dikelola dengan IBM SPSS Statistics 22 pada pelanggan Kopi Kenangan Kota Salatiga melalui uji penelitian (karakteristik deskriptif responden, validitas, reliabilitas, normalitas, heteroskedastisitas, multikolinearitas, R², F, T, dan linearitas), hasil penelitian menunjukan bahwa Quality Product, Brand Image, Halal Label berpengaruh positif signifikan terhadap Customer Satisfaction pada Kopi Kenangan Kota Salatiga. Kata kunci: Quality Product, Brand Image, Halal Label, Customer Satisfaction
ANALISIS MANAJEMEN PEMBIAYAAN PADA LEMBAGA KSPPS BMT AR-ROHMAH BANDONGAN MAGELANG Rochison, Muhammad; Fitriyani, Yeny; Purwanto, Purwanto; Rifki, Muhammad; Hidayat, Yahya Nur
Journal of Sharia Economics Vol. 5 No. 1 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i1.4198

Abstract

Shariah Savings and Credit and Finance Cooperatives (KSPPS) are microfinance institutions that collect and distribute assets to people who need these funds. This research aims to find out the financial management and internal and external systems in KSPPS BMT Ar-Rohmah Bandongan Magelang; this research uses a descriptive qualitative approach with interview techniques, primary and secondary data collection, and documentation. Using SWOT analysis, we can find the weaknesses, strengths, threats, and opportunities in KSPPS Ar-rohmah institution. The results of this study show that the management system in KSPPS BMT Ar-rohmah institution uses a Sharia financing system and has Sharia principles, as well as having several opportunities and weaknesses and threats for institutions; KSPPS BMT Ar-rohmah mitigates risks by paying attention to character, capacity, capital, collateral and economic conditions in customers.
PENGARUH VARIABEL MAKROEKONOMI TERHADAP INDEKS SAHAM SYARIAH INDONESIA (ISSI) PADA TAHUN 2011-2022 Maulida Azzahra, Lailatul; Andni, Riyan
Journal of Sharia Economics Vol. 5 No. 1 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i1.4201

Abstract

This research was motivated by the inconsistent relationship between the Indonesian Sharia Stock Index (ISSI) and macroeconomic variables that influence Indonesian sharia stock prices including the inflation rate, Bi Rate, rupiah exchange rate, world oil prices, gold prices, and economic growth. The research aims to analyze, determine and explain the impact of the Indonesian Sharia Stock Index on macroeconomic variables. This type of research uses quantitative data for the period 2011 to 2022 sourced from BPS, Investing.com, BI and OJK. Data analysis techniques involve multiple linear regression tests, classical assumption tests, and hypothesis tests. The indicator achievement results describe macroeconomic variables, namely Bi Rate has a significant negative impact, the rupiah exchange rate tends to be positive and significant, and economic growth has a significant positive impact, while inflation, world oil prices and gold prices have no impact and are not significant, meaning that the Indonesian ISSI sharia stock price experiences Volatility is not fully influenced by macroeconomics, especially Bi Rate, Rupiah exchange rate, and economic growth, which means these variables contribute to the movement of Indonesian Sharia stock prices (ISSI) so that research refers to policymakers, stakeholders and investors who can consider factors fundamentally. as well as analytics in decision making and portfolio management in the Indonesian sharia stock market.
ANALISIS PEMBIAYAAN BANK SYARIAH DAN INSTRUMEN MONETER SYARIAH TERHADAP STABILITAS MONETER DI INDONESIA Lucky, Muhammad
Journal of Sharia Economics Vol. 5 No. 1 (2024): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v5i1.4327

Abstract

This study aims to analyze the effect of Islamic monetary instruments and financing on monetary stability in Indonesia. This research uses Vector Error Correction Model (VECM), Granger Causality Test, Impulse Response Function (IRF), and Forecast Error Variance Decomposition (FEVD) by first conducting stationarity test, cointegration test, optimum lag test. The data used in this study are monthly secondary data from the variables of Money Supply (M2), Sharia Bank Indonesia Certificates (SBIS), Sharia Interbank Money Market (PUAS), State Sharia Securities (SBSN), Islamic Banking Financing and Ijarah Financing. Based on the period 2015-2021 with time series data. The results of the VECM Model research show that in the long run the variable instruments SBIS, PUAS, SBS, Islamic Banking Financing and Ijarah Financing have a significant but negative effect on the Money Supply (M2).
PENERAPAN HUKUM WAKAF DI TURKI Rianto, Arief Muda
Journal of Sharia Economics Vol. 6 No. 1 (2025): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v6i1.5356

Abstract

Waqf is a source of Islamic public finance which has a very important role in economic development. Turkey is an example of a country that is worth studying because the practice of waqf has been carried out very well and developed rapidly since the beginning of the Ottoman era. The practice of waqf in Turkey not only functions as a mechanism for providing social and religious services, but also as a very important instrument in economic development not only in a cultural context but also in the country. This is because the history of waqf in Turkey can be traced back to the Ottoman Empire, where many waqf assets were established for the survival of the people, such as the construction of places of worship, educational facilities, health facilities and several other public infrastructure. This article is a literature review using an empirical historical approach which is analyzed using content analysis techniques. The result of this article is that Turkey is proven to have an advanced management system as evidenced by the high number of waqfs during the early development of waqf law. Although the term waqf was changed in 1937 to Ta'sis and high taxes were imposed which caused a decline in the number of waqf donors in Turkey, but in 1978 the term waqf was returned with the issuance of several regulations related to waqf law in the Civil Law of Turkey. Waqf management in Turkey is currently carried out by the Directorate General of Waqf in collaboration with the Turkish Ministry of Culture and Tourism as well as being a supervisor if waqf is managed by a third party by referring to Article 26 of the 2008 law and Article 31.
DIGITALISASI TEKS AGAMA: MEMPERKUAT PRINSIP-PRINSIP EKONOMI SYARIAH DI MASYARAKAT MODERN Fikri, Ahmad Lutfi Rijalul
Journal of Sharia Economics Vol. 6 No. 1 (2025): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v6i1.5798

Abstract

Penelitian ini membahas peran digitalisasi teks agama dalam memperkuat prinsip-prinsip ekonomi syariah di masyarakat modern. Teks-teks agama, terutama Al-Qur'an dan Hadis, memberikan pedoman moral dan etika yang mendasari praktik ekonomi yang adil dan transparan. Dengan perkembangan teknologi informasi, akses terhadap teks-teks agama semakin luas melalui platform digital, memungkinkan masyarakat, terutama generasi muda, untuk lebih memahami dan mengamalkan nilai-nilai syariah. Namun, tantangan muncul terkait variabilitas kualitas informasi dan risiko terpapar pada pemahaman yang tidak akurat. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi literatur dan wawancara mendalam untuk mengidentifikasi manfaat dan tantangan dalam digitalisasi teks agama. Hasil menunjukkan bahwa digitalisasi meningkatkan akses dan pemahaman terhadap prinsip-prinsip ekonomi syariah, tetapi juga menyoroti perlunya literasi digital untuk menyaring informasi yang valid. Rekomendasi mencakup pengembangan platform digital yang akurat dan kolaborasi antara ulama, akademisi, dan praktisi untuk menciptakan konten berkualitas. Dengan langkah-langkah ini, diharapkan ekonomi syariah dapat berkembang secara inklusif dan berkelanjutan di era digital.

Page 6 of 13 | Total Record : 121

 4   5   6   7   8 

Filter by Year

2020 2026


Reset
Filter By Issues
All Issue Vol. 7 No. 1 (2026): Islamic Economics Vol. 6 No. 2 (2025): Islamic Finance Vol. 6 No. 1 (2025): Islamic Finance Vol. 5 No. 2 (2024): Islamic Finance Vol. 5 No. 1 (2024): Islamic Finance Vol. 4 No. 2 (2023): Islamic Finance Vol 4 No 1 (2023): Islamic Finance Vol. 4 No. 1 (2023): Islamic Finance Vol 3 No 2 (2022): Islamic Finance Vol. 3 No. 2 (2022): Islamic Finance Vol. 3 No. 1 (2022): Islamic Finance Vol 3 No 1 (2022): Islamic Finance Vol 2 No 2 (2021): Islamic Finance Vol. 2 No. 2 (2021): Islamic Finance Vol 2 No 1 (2021): Islamic Finance Vol 1 No 2 (2020): Islamic Finance Vol 1 No 1 (2020): Islamic Finance More Issue