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Syari'ah Economics
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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THE IMPACT OF SHARIA BTN CREDIT AND INCOME FACTORS ON PUBLIC INTEREST IN HOME OWNERSHIP LOANS (KPR) Dwi Suci Lestari
Syari'ah Economics Vol 6 No 1 (2022): 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 | DOI: 10.36667/se.v6i1.1168

Abstract

The purpose of this study was to determine the effect of the BTN Syariah credit system and income factors on public interest in mortgage ownership of KPR. The object of this research is this research is BTN Syariah customers who use musharaka in ownership of KPR at Perum Sinar Garden Ciamis as many as 43 units. The research uses quantitative descriptive methods, meaning that the research tries to describe a symptom of current events and reveals data that has taken place without manipulating other variables without affecting the dependent variable according to real events. The results of the study inform that the BTN Syariah credit system and income factors have a positive effect on people's interest in using KPR. The BTN Syariah credit system and income factors can affect people's interest in using KPR by 82%, while the remaining 18% is influenced by other variables.
THE IMPACT OF UNDERSTANDING OF RIBA ON THE USE OF ISLAMIC FINANCIAL INSTITUTIONS SERVICES: RESEARCH IN SADANANYA DISTRICT, CIAMIS REGENCY Maya Puspitasari; Hammad Mutawakil Hibatillah
Syari'ah Economics Vol 6 No 2 (2022): 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 | DOI: 10.36667/se.v6i2.1176

Abstract

This study aims to determine the effect of understanding usury on the use of Islamic financial institutions in Sadananya District, Ciamis Regency. With a sample of 45 people, this study adopted a quantitative approach based on regression analysis. The results showed a high understanding of usury in the Muslim community of Sadananya District, Ciamis Regency. An understanding of usury is proven to affect the use of Islamic financial institutions, as indicated by the results of the significant test calculation of the correlation coefficient at a significant level of 5%, the t-count value is 3.840 while the t-table is 2.01669, and the significance level is 0.000 < 0.05. Thus it can be concluded that the null hypothesis is rejected and the working hypothesis is accepted. The influence of the variable understanding of usury on the use of the services of Islamic financial institutions is 25.5%, while other variables influence the remaining 74.5%.
THE TRANSFORMATION OF CONVENTIONAL COOPERATIVES INTO SHARIA SAVING AND FINANCING COOPERATIVES (KSPPS): Study on KSPPS Tunas Artha Mandiri, Banjarsari-Ciamis Sari Anggraeni; Helmi Maulana
Syari'ah Economics Vol 6 No 1 (2022): 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 | DOI: 10.36667/se.v6i1.1165

Abstract

This study analyzes the reasons, supporting factors, process mechanisms, and effectiveness of conversion of Tunas Artha Mandiri Sharia Savings and Loans Cooperative (KSPPS) to convert. In addition, this study also aims to determine the conversion mechanism of Conventional Cooperatives into Savings and Loans Cooperatives and Sharia Financing at KSPPS Tunas Artha Mandiri, Banjarsari-Ciamis. The method is qualitative research, with data collection carried out through interviews. This study uses three types of informants: critical, primary, and additional. Data analysis followed the stages of data reduction, data presentation, and conclusion. The results showed (1) Two factors that encourage the Tunas Artha Mandiri Savings and Loans and Sharia Financing Cooperative (KSPPS) to convert, namely internal and external factors. Internal factors are driven by the performance of the Conventional Tunas Artha Mandiri Cooperative, which has sufficient capacity to transform. Meanwhile, external factors are due to policy encouragement from the head office, increased religiosity of human resources, and the lack of existing Sharia cooperatives. The conversion mechanism begins with the member approval meeting, preparation for conversion, changes to the articles of association, changes in business activities (transformation of institutions, systems, managers, members), ratification of the pieces of association, and until the application for a business license. Cooperative conversion is quite effective based on indicators of achievement of goals, integration, and adaptation.
THE IMPLEMENTATION OF PRODUCTIVE ZAKAT UTILIZATION IN ECONOMIC EMPOWERMENT OF ZAKAT RECIPIENTS: A CASE STUDY OF THE NATIONAL AMIL ZAKAT AGENCY, CIAMIS REGENCY Moh Irfan Nurmaki; Sumarni Sumarni
Syari'ah Economics Vol 6 No 2 (2022): 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 | DOI: 10.36667/se.v6i2.1169

Abstract

This study aimed to determine the program and implementation of zakat utilization at the National Amil Zakat Agency, Ciamis Regency. The research method used is the descriptive qualitative method, namely identifying the state of objects or events to draw conclusions that apply in general. Data collection techniques were carried out by observation, interviews, documentation, and triangulation. Meanwhile, data analysis includes data reduction, data presentation, and conclusion. The study results show that zakat funds are utilized consumptively, such as giving rice to the poor to fulfill their daily and productive lives. In contrast, zakat funds are channeled into developing businesses. The productive zakat utilization program of Baznas Ciamis Regency is BMUK (Small Business Capital Assistance) in the form of money and livestock (goats). The implementation of BMUK funds is channeled to people who are classified as poor and already have businesses so that the funds continue to roll. As a result, their interactions are more advanced and are used for productive things so that the recipients of this assistance are more independent in running their businesses so that their standard of living is increased. Therefore, the utilization of productive zakat in Baznas Ciamis Regency is said to have succeeded because the community can feel the benefits, and the development of its business has also increased, seen from the independence of mustahik and the ability of mustahik to give infaq.
SHARIA-BASED MARKETING STRATEGIES FOR INCREASING HOUSING SALES IN THE CITY OF TASIKMALAYA Ramdan Hidayat; Eggy Armand Ramdani; Tazkiyah Ainul Qolbi
Syari'ah Economics Vol 6 No 1 (2022): 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 | DOI: 10.36667/se.v6i1.1166

Abstract

Marketing strategy is an essential component of any business operation. Whether a business is successful depends on whether its marketing strategy is effective for its needs. Therefore, the selection of a marketing strategy requires precise calculations and analysis. According to the title observed, the method used in this study is a qualitative research method that generates descriptive data through observations, interviews, and documentaries. Cordova Living is a housing community that employs a sharia payment system, eliminating the BI checking system so that there are no interest, usury, confiscation, or fines. Based on the fact that Cordova Living was the pioneer of sharia-compliant housing in Tasikmalaya, the sharia marketing strategy is a great fit for marketing its products. As evidenced by the marketing mix, implementing sharia marketing strategies can increase sales figures and the selling value of Cordova Living housing. In terms of price (price) has advantages for consumers to negotiate because of the khiyar rights. In terms of products, transparency from start to finish, detailed explanations, and the freedom to bargain and negotiate can eliminate the element of fraud. The strategic place (location) close to the city center and education center provides added value for Cordova Living. The promotion (promotion) used by Cordova Living is friendly and applies 3S (senyum/smiles, salam/greetings, and sapa/greetings) and friendly service by applying Islamic rules.
APPLICATION OF THE RIBH CONCEPT IN CV. HIELMY CRAFTINDO BAKTI, SUKARUAS VILLAGE, RAJAPOLAH DISTRICT, TASIKMALAYA REGENCY Mira Nurmayanti
Syari'ah Economics Vol 6 No 2 (2022): 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 | DOI: 10.36667/se.v6i2.1170

Abstract

This study aims to analyze the concept of ribh and analyze the application of the concept of ribh by CV. Hielmy Craftindo Bakti. This research uses a qualitative descriptive method. The research data sources consist of primary data and secondary data. Primary data obtained from observations and interviews with company owners. Secondary data were obtained from a number of books, articles, and journals related to this research. The results show that the concept of ribh is a trade concept applied by the Prophet Muhammad. The trade concept of the prophet Muhammad is called "goodness trade" (dagang kahadean, Sundanese) which means the process of buying and selling goodness, namely the buying and selling process that uses the concept of Islamic law. The concept of ribh applied by CV. Hielmy Craftindo Bakti does not use the practice of debt and credit, because it will make both parties miserable.
IMPLEMENTATION OF MANAGEMENT OF ZAKAT COLLECTING UNIT (UPZ) IN IMPROVING THE ECONOMY OF ISLAMIC COMMUNITY IN MARGAHARJA-SUKADANA VILLAGE, CIAMIS REGENCY Aan Andriawan; Hasan Bisri; Daryaman Daryaman
Syari'ah Economics Vol 6 No 1 (2022): 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 | DOI: 10.36667/se.v6i1.1167

Abstract

This study aims to determine the planning, implementation, and management results of the Margaharja Zakat Collecting Unit (UPZ) Sukadana District. However, the main objective of this study is to determine the economic improvement of the Islamic community through the Zakat Collecting Unit (UPZ). The research method used is a qualitative method, namely identifying the state of an object or event to draw conclusions that apply in general by using descriptive analysis techniques. Data were collected by observation, interviews, and document studies. The study results show that the management implementation of the Margaharja Zakat Collecting Unit (UPZ) has been going well. In terms of planning and also its performance by creating success in increasing the satisfaction of zakat givers. This village's Zakat Collecting Unit (UPZ) has also improved the community's economy. It has a real positive impact because the distribution of zakat is in the form of working capital, not consumption goods.
THE INFLUENCE OF ISLAMIC FINANCIAL LITERACY LEVEL ON INTEREST IN CREATING MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs) Sri Rohayati; Tazkiyah 'Ainul Qolbi
Syari'ah Economics Vol 6 No 2 (2022): 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 | DOI: 10.36667/se.v6i2.1174

Abstract

This study aims to determine the impact of Islamic financial literacy on the desire to start micro, small, and medium-sized businesses (MSMEs). Knowledge of Islamic finance is crucial for business actors, including MSMEs. Financial literacy in accordance with Islamic law is an extension of financial literacy. It indicates that as Islamic financial literacy increases, so does the desire to start a business. This study employed quantitative research methods involving regression, and SPSS.20 was used to analyze the data. This study's sample consisted of 45 Sharia Economics Study Program graduates at the Darussalam Institute of Islamic Studies, calculated using the Solvin formula. We are collecting data using a questionnaire. Results indicated that the level of Islamic financial literacy significantly impacted the desire to establish micro, small, and medium-sized businesses (MSMEs).
The Effects of Inflation and Joblessness on Regional GDP in Seven West Javan Cities from 2014 to 2021 Putri, Vera Ridia Insani; Marliana, Nissa Ayu; Husaini, Fauzan; Nurshadiqah, Samira
Syari'ah Economics Vol 7 No 2 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i2.1987

Abstract

This study examines the impact of inflation and unemployment on gross regional domestic product in seven cities in West Java Province during the period 2014-2021. Using quantitative methods and associative research approaches, secondary data were obtained from the West Java Central Bureau of Statistics. The variables examined include inflation, unemployment, and economic growth measured by GRDP at constant prices. The analysis was conducted using panel data regression using a common effect model. The results show that inflation has a negative effect on GRDP, while unemployment has a positive effect on GRDP in seven cities.
How the Money Supply and the Rupiah Exchange Rate Influenced Indonesia's Inflation Rate from 2017 to 2022 ? Roshifa, Ade; Ramdani, Eggy Armand; Fani, Andifa Dwi; Nurani, Rani
Syari'ah Economics Vol 7 No 1 (2023): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Darussalam (UID) | Islamic University of Darussalam, Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36667/se.v7i1.1962

Abstract

The study aims to determine the effect of money supply on inflation, to determine the effect of rupiah exchange rate on inflation, and to determine the effect of the two variables on inflation in the period 2017-2022. This research is quantitative with inferential statistical methods and uses secondary data collected through literature studies. Data analysis includes Classical Assumption Test, Multiple Linear Regression Analysis, Hypothesis Test, and Determination Coefficient Test (R²). The results show that money supply does not have a significant effect on inflation (probability value 0.2839 > 0.05). In contrast, the rupiah exchange rate has a significant effect on inflation (probability value 0.0160 < 0.05). Simultaneously, these two variables have a significant influence of 8.96% on inflation.

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