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Syari'ah Economics

SE
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Published by Institut Agama Islam Darussalam Ciamis

ISSN : - EISSN : 28078942 DOI : https://doi.org/10.36667/se

Core Subject : Economy,

Economics, Econometrics & Finance

Syariah Economics (e-ISSN 2807-8942) is a scientific journal published by the Faculty of Islamic Economics and Business, Institut Agama Islam Darussalam (IAID) Ciamis, West Java, INDONESIA. Journal of Syariah Economics is an online journal to disseminate field research and conceptual ideas in the field of Sharia economics (Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic human resource management, Islamic microfinance, Islamic capital market, other relevant Islamic economic and financial studies)

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 62 Documents

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ANALYSIS EFFECT OF MUDHARABAH FINANCING SHARING ON PROFITABILITY AT BRI SYARI'AH KCP CIAMIS 2014-2020 Helmi Maulana; Dedeh Nurwahidah; Willa Maulida
Syari'ah Economics Vol 5 No 1 (2021): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

As an institution engaged in the financial sector, Islamic banks expect benefits from the activities that have been carried out. This profit is generated through income generated from the products that are distributed. The performance of banks in carrying out their activities is seen from how much financing is distributed because the source of income for Islamic banks is from financing distribution. The volume of financing provided by Islamic banking needs to show an increase in order to create healthy and efficient financial institutions. Healthy financial institutions are able to demonstrate the ability to increase profits through increased profitability. The higher the profitability of a bank, the better profits or profits will be generated by the bank. Return on Assets (ROA) is one of the financial ratios in banking which has the best role to reflect the level of profitability of the bank. This research method uses quantitative descriptive method where quantitative descriptive method is a method in examining the status of a human group, an object, a set of conditions, a system of thought, or even a group of events in the present which aims to make a description. This research uses simple regression analysis which includes partial test (t test), and coefficient of determination test (R2). From the partial test (t test) obtained t count of 10.027 > from the value of t table of 2.228139. It is known that the p-value < (0.000 < 0.05) indicates that the multi-finance variable has a significant effect on Return On Assets (ROA). Coefficient of Determination Test (R2) regression model, the adjusted R2 value is 0.900, which means that the dependent variable can be explained by the independent variable by 90%, while the remaining 10% is explained by other variables not included in the regression model. The results of the partial test (t-test) and the coefficient of determination (R2) show that murabahah financing has a significant effect on the Return on Assets (ROA) profitability ratio at BRI Syariah KCP Ciamis Bank for the 2018-2020 period.

COMPARATIVE ANALYSIS OF THE CONCEPT OF TRADITIONAL AND MODERN MUDHARABAH BETWEEN BOOK OF FATH AL-MU’IN AND THE FATWA OF THE NATIONAL SYARI'AH COUNCIL (DSN) OF THE INDONESIAN ULEMA COUNCIL (MUI) Helmi Maulana; Mela Inalia Rahmah
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

The purpose of this study was to compare the concept of mudharabah fatwa of the National Syari'ah Council (DSN) of the Indonesian Ulema Council (MUI), and the Kitab Fath al-Mu’in by Sheikh Zainuddin bin Abdul Aziz al-Malibari. The methodology used is the descriptive qualitative method, which is a research method that is directed to describe the results of research as it is based on a literature study. The study results indicate that (a) the concept outlined in the DSN Fatwa is a legal product (ijma') of Muslim scholars and scholars who are members of the MUI which presents mudharabah rules that Islamic financial institutions must practice. (b) According to the book of Fath al-Mu’in, qiradh is a cooperative transaction in the business world with profits based on an agreement in the contract illustrated with interpersonal coverage, the actors do not describe the collaborative activities carried out between groups. (c) In principle, the concept of Qirâd in the book of Fath al-Mu’in and the concept of Mudharabah in the Fatwa of DSN MUI is the same. The difference lies in the actor or party making the contract. They will create a concept that will be different from the understanding, provisions, terms and pillars, profit provisions, dispute resolution, and the legal side.

CONSUMER BEHAVIOR IN THE PERSPECTIVE OF CONVENTIONAL ECONOMICS AND ISLAMIC ECONOMY Pepe Iswanto; Yani Mulyani; Husna Lailatul Qadar
Syari'ah Economics Vol 5 No 2 (2021): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Consumer behavior in the perspective of conventional economy is based on the philosophy of capitalism, so that each individual is more rational than spiritual. While in the perspective of Islamic economics, consumer behavior is based on the philosophy of God so that in every activity to meet the needs of consumers are required to always be guided by the principles of monotheism, khilafah, and also justice. In addition the authors find the existence of similarities and differences from both perspectives of the theory. The similarity between consumer behavior in carrying out consumption activity in conventional economics and Islamic economy there are three, among them in terms of understanding, philosophy base, motivation and purpose of consumption, and consumer behavior theory. The difference lies in the foundations of philosophy, the principles of consumption, the motives and purposes of consumption, the configuration of consumer needs, and the latter lies in consumer behavior. This study was conducted with the aim to know: (1) consumer behavior in conventional economic perspectives (2) consumer behavior in sharia economic perspective (3) comparison of consumer behavior in conventional economic and economic perspectives of sharia. This research method uses library research approach, because the object of study is focused on the study by conducting a review study on books, data, literatures related to the analysis of research discussion related to consumer behavior, both in economy conventional and Islamic. The results show that: (1) Consumer behavior involves the behavior of consumers, where they can illustrate the search to buy, use, evaluate and improve a product and their services. (2) The consumption behavior of Islam based on the guidance of the Qur'an and Hadith needs to be based on an enhanced rationality that integrates belief in truth that transcends this very limited human rationality. (3) Comparisons between consumer behavior in conventional economics and the declining Islamic economy, explains that there are some differences from both points of view. The first is lies in the cornerstone of the philosophy of consumer behavior. Second, related to the principle of consumption. The principle of consumption in the conventional economy there are three namely freedom, self interest, and material. Third, look at the motive and purpose of consumption

PENGARUH PENDAPATAN DAN SELERA TERHADAP PERMINTAAN IKAN LAUT DI KABUPATEN PANGANDARAN Fitanty Adirestuty Fitanty Adirestuty; Yussy Ariyanti Rahayu; Vina Erdiani
Syari'ah Economics Vol 2 No 1 (2018): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (66.104 KB)

Mayarakat Kabupaten Pangandaran yang beraneka ragam menurut pekerjaan, tingkat pendidikan, dan usia diasumsikan memiliki pola konsumsi pangan yang berbeda, khususnya dalam mengkonsumsi sumber protein yaitu ikan laut. Di Kabupaten Pangandaran sendiri wilayahnya dekat dengan laut, hal ini menyebabkan peningkatan konsumsi ikan laut pada kalangan masyarakat. Ini diduga hasil dari pendapatan dan selera masyarakat terhadap ikan laut karena wilayah tempat tingalnya yang dekat dengan laut. Tujuan penelitian ini adalah: (1) Untuk mengetahui pengaruh pendapatan konsumen terhadap permintaan ikan laut di Kabupaten Pangandaran. (2) Untuk mengetahui pengaruh selera terhadap permintaan ikan laut di Kabupaten Pangandaran. (3) Untuk mengetahui pengaruh pendapatan dan selera terhadap permintaan ikan laut di Kabupaten Pangandaran. Metode penelitian yang digunakan dalam penelitian ini adalah mtode expost facto. Metode expost facto adalah metode yang digunakan daam penelitian yang meneliti hubungan sebab akibat yang tidak dimanipulasi oleh peneliti. Jenis penelitian yang digunakan peneliti adalah penelitian kuantitatif, analisis kuantitatif dengan alat bantu SPSS 20, mencakup pembahasan mengenai bagaimana faktor-faktor yang diduga berpengaruh terhadap permintaan ikan laut di Kabupaten Pangandaran melalui model persamaan regresi linear berganda. Hasil dari penelitian ini adalah: (1) Tidak terdapat pengaruh positif antara pendapatan masyarakat dengan jumlah permintaan ikan laut di Kabupaten Pangandaran, kemudian persamaan regresinya adalah Y = 2,797+0,473. Artinya, jika tidak ada pendapatan masyarakat maka permintaan ikan laut sebesar 2,797 kg. (2) Terdapat pengaruh positif antara selera masyarakat dengan jumlah permintaan ikan laut di Kabupaten Pangandaran. Berdasarkan hasil pengujian tersebut, dapat dibuat persamaan regresi untuk pengaruh selera masyarakat terhadap permintaan ikan laut di Kabupaten Pangandaran. Persamaan regresinya adalah Y = -0,095+1,819. Nilai konstanta untuk selera (X2) bernilai negatif sebesar 0,095. Artinya, jika selera masyarakat naik, maka permintaan terhadap ikan laut turun sebesar 0,095 kg. (3) Pendapatan dan selera mempunyai pengaruh secara bersama-sama terhadap permintaan ikan laut di Kabupaten Pangandaran. Namun setelah data diolah ternayata hanya 12,9% perubahan dalam permintaan ikan laut bisa dijelaskan oleh seluruh variabel bebas yang diduga berpengaruh yaitu pendapatan dan selera. Sisanya sebesar 87,1% dijelaskan oleh faktor lain diluar penelitian ini. Nilai tersebut menggambarkan bahwa variabel yang digunakan dalam penelitian ini belum sepenuhnya menjelaskan faktor-faktor yang berpengaruh terhadap permintaan ikan laut di Kabupaten Pangandaran. Hal ini disebabkan karena faktor lain yaitu, harga barang itu sendiri, barang substitusi, pertambahan penduduk, perkiraan di masa yang akan datang, dan banyaknya kebutuhan masyarakat pada hari tertentu tidak dimasukkan dalam penelitian ini.

THE ROLE OF MICRO, SMALL, AND MEDIUM ENTERPRISES (MSMEs) IN ABSORBING MANPOWER IN CIAMIS DISTRICT Rifqi Arief Aminullah; Sariyanti Sariyanti; Husna Lailatul Qadar
Syari'ah Economics Vol 4 No 2 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Since the economic crisis that occurred in Indonesia in 1997, many large-scale businesses have stagnated and even stopped their activities. The soaring population growth accompanied by an increase in the labor force creates a very complex problem, namely the increasing number of unemployed. This is due to the uneven distribution of development in all fields so that the availability of employment opportunities is not balanced. However, the Micro, Small and Medium Enterprises (MSME) sector was able to face the crisis. The research method used is descriptive-analytical by conducting research in the industri tahu bulat by CV. Macakal Pangan Sejahtera in Cipaku District, Ciamis Regency. The results showed (1) the absorption of labor by the industri tahu bulat CV. Macakal Pangan Sejahteral in Cipaku District, Ciamis Regency from 2019 reached 250 people, while in 2020 it was 136 people. There was a decrease in the number of employees between 2019 and 2020; and (2) the role of Micro, Small and Medium Enterprises (MSMEs) in the tofu industry CV. Macakal Pangan Sejahtera in the economy in Cipaku District can be seen from its position as a major player in economic activity, a large provider of employment, an important player in the development of local economic activities and community empowerment, the creation of new markets, and a source of innovation.

THE INFLUENCE OF AKAD BA'I BITSAMAN AJIL ON VEHICLES TO INCREASING INCOME BMT AL-ISTIQOMAH CIAMIS Sumadi Sumadi; Ahmad Rojul Ishak; Siti Rif’ah Nuralawiyah Esa
Syari'ah Economics Vol 2 No 2 (2018): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (66.044 KB)

Ba'i Bitsaman Ajil (BBA) financing is widely practiced by Islamic financial institutions including the BMT Al-Istiqomah. However, in the application of the Ba'i Bitsaman Ajil (BBA) contract at BMT Al-Istiqomah, it is different from other financial institutions. As in BMT AM-MU Pasuruan this financing is used to finance micro businesses and also at BMT Hudatama Semarang is used to finance home renovations. While at BMT Al-Istiqomah, the Ba'i Bitsaman Ajil contract was practiced to meet the needs of the community in financing vehicles in the form of motorbikes or cars. BMT Al-Istiqomah can contribute to helping people to have transportation vehicles. Therefore, the authors are interested in conducting research on the Influence of the Ba'i Bitsaman Agreement on the Vehicle Against Increasing Income of BMT Al-Istiqomah Ciamis. The research method used is descriptive-qualitative and quantitative methods (mixed method). While the data collection techniques used are observation, interviews, and documentation. To test the validity of the data, this research uses triangulation method. After analyzing the data, the authors draw the following conclusions: 1) the procedure for financing the Ba'i Bitsaman Ajil agreement that must be fulfilled by each prospective customer begins with the submission of the application until the approval of the realization of financing and using the principle of 5C financing (caracter, capital, condition) analysis. , capacity, and coreteral); 2) How to determine the Margin in the Ba'i Bitsaman Ajil agreement on vehicle financing at BMT Al-Istiqomah has fulfilled the requirements in calculating the sale and purchase by installments or installments as well as determining the margin of the principal price based on the agreement of both parties. (BMT and customers); 3) After data analysis which includes testing the hypothesis, the average income figure in BMT Al-Istiqomah Ciamis in the June-May 2016-2017 period is highest at the Ba'i Bitsaman Ajil agreement with an average number of 10,827,917 while from the other contract is the Murabahah contract 10,236,667, pawn contract 3,259,917, Rahn agreement 2,371,500. Musyarakah agreement 1,660,750, Hasan Qordu agreement 1,157,833. then it can be concluded that the contract of Ba'i Bitsaman Ajil greatly influences the increase in income of BMT Al-Istiqimah Ciamis compared to other contract products found on the BMT.

ANALYSIS OF PRODUCT QUALITY AGAINST DECISION OF PURCHASING KERUPUK HALAL IN CIAMIS DISTRICT Fitrnaty Adirestuty; Ika Dartika; Tsania Salsabila
Syari'ah Economics Vol 5 No 1 (2021): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Halal "kerupuk" are one of the snacks that are in demand by all people. In order to maintain the stability of cracker sales, the company strives to maintain the quality of halal kerupuk. In fact, currently found many cracker products whose quality is considered poor by consumers. This study aims to determine the effect of product quality on increasing the sales volume of halal kerupuk in Cijeungjing District, Ciamis Regency. This type of research is quantitative research using correlational research methods, which is a method used to determine the magnitude of the relationship between variables. Data collection techniques using questionnaires, documentation studies, and observations. Data analysis used simple regression analysis. The results of data analysis showed that there was an effect of product quality on sales of halal fertilizers in Cijeungjing District, Ciamis Regency.

THE EFFECT OF THE BI RATE STANDARD ON THE BRI SHARIA MARGIN POLICY 2015-2019 Isti Tresna Aristantia; Suci Sulastri
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

This research is motivated by the absence of provisions governing the determination of financing margins, making Islamic banks in Indonesia, namely Bank Rakyat Indonesia Syariah, still use the BI Rate as one of the references in determining margins in financing. The decline in financial conditions can be seen from the net income margin in 2014, which only reached 6.04%. The method used is a descriptive correlational method. The data used is the average BI Rate per year and the 2015-2019 BRI Syariah Annual Report. Data collection techniques used document studies and literature studies with browsing data collection instruments. Data analysis used descriptive statistics, regression, correlation, partial test, and determination. The results of the research data description of the BI Rate and the financing margin income of Bank Rakyat Indonesia Syariah in 2015-2019 experienced an increase and decrease. The results of the analysis of the influence of the BI Rate on financing margin income at Bank Rakyat Indonesia Syariah in 2015-2019 obtained the regression equation: Financing Margin Income = 10.45376 + (-0.568777 x BI Rate) + e. The correlation coefficient value is -0.79 or 79%. The accepted hypothesis is Ho, which means that there is no significant positive effect between the BI Rate on financing margin income at Bank Rakyat Indonesia Syariah 2015-2019. The conclusion is that the BI Rate does not significantly affect financing margin income at Bank Rakyat Indonesia Syariah 2015-2019.

THE INFLUENCE OF EARNING ZAKAT DISTRIBUTION LEVEL ON ZAKAT MUSTAHIK BUSINESS PROFIT Ahmad Agung; Yati Hilmi; Asri Awaliyah Fitri
Syari'ah Economics Vol 5 No 2 (2021): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

This research is motivated by the administration that has not been well organized and the absence of training for BMT and mustahik recipients of productive zakat funds by the National Amil Zakat Agency (BAZNAS) Ciamis Regency. Quantitative field research using a simple linear regression method uses a sample of 30 people. The results showed that (1) Most respondents agreed that the utilization of productive zakat funds at BAZNAS Ciamis Regency through BMT-BMT in Cijeunjing District was quite good. (2) Most respondents agree that the empowerment of mustahik at BAZNAS in Ciamis Regency through BMT-BMT in Cijeunjing District is quite good. (3) The variable utilization of productive zakat funds (X) does not affect the empowerment of mustahik (Y) BAZNAS Ciamis Regency through BMT-BMT in Cijeunjing District.

PENGARUH KUALITAS PELAYANAN PENGELOLA BMT TERHADAP NIAT NASABAH DALAM MENGGUNAKAN PEMBIAYAAN MUDHARABAH Isthi Tresna Aristhantia; Asri Awaliyah Ma’sumah; Sheliyana Sheliyana
Syari'ah Economics Vol 2 No 1 (2018): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (66.126 KB)

Penelitian ini dilakukan untuk menemukan pengaruh kualitas pelayanan pengelola BMT terhadap niat nasabah dalam menggunakan pembiayaan mudharabah. Penelitian dilakukan di salah satu Bait al-maal wa al-tamwil atau yang lebih dikenal dengan sebutan BMT, yakni BMT eL-Taqwa yang terletak di Dusun Cidewa Desa Dewasari Kecamatan Cijeungjing Kabupaten Ciamis. Penelitian ini menggunakan metode penelitian korelasional (correlational research), dengan menggunakan pendekatan kuantitatif. Teknik yang digunakan dalam pengambilan sampel yaitu, sebagian sampel penelitian diikutsertakan dalam penelitian ini. Pengumpulan data dalam penelitian ini menggunakan kuesioner dan wawancara. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis statistik deskriptif, uji validitas dan reliabilitas, uji asumsi dengan menggunakan uji normalitas, dan uji hipotesis dengan menggunakan analisis regresi linier sederhana, serta uji t. Pengaruh kualitas pelayanan pengelola BMT terhadap niat nasabah dalam menggunakan pembiayaan mudharabah di BMT eL-Taqwa Dusun Cidewa Desa Dewasari Kecamatan Cijeungjing Kabupaten Ciamis dilihat dari nilai koefisien korelasi yang didapatkan yaitu sebesar 0,745 yang artinya nilai tersebut termasuk ke dalam tingkat hubungan yang kuat. Hal ini berarti bahwa kualitas pelayanan pengelola BMT dan niat nasabah memiliki korelasi dengan tingkat hubungan yang kuat.

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Home Page

OAI Link

Editorial Team

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Contact Name Fahmi Ali Hudaefi

Contact Email syariah.economicsiaid@gmail.com

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Journal Mail Official syariah.economicsiaid@gmail.com

Editorial Address Jl. Kiai Ahmad Fadlil, No. 8, Ciamis Jawa Barat

Location Kab. ciamis, Jawa barat INDONESIA

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Contact Name
Fahmi Ali Hudaefi

Contact Email
syariah.economicsiaid@gmail.com

Phone
+6281323444351

Journal Mail Official
syariah.economicsiaid@gmail.com

Editorial Address
Jl. Kiai Ahmad Fadlil, No. 8, Ciamis Jawa Barat

Location
Kab. ciamis,

Jawa barat

INDONESIA