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Share: Jurnal Ekonomi dan Keuangan Islam

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Published by Universitas Islam Negeri Ar-Raniry Banda Aceh

ISSN : 20896239 EISSN : 25490648 DOI : https://doi.org/10.22373/share

Core Subject : Religion, Economy,

Religion Economics, Econometrics & Finance

Share: Jurnal Ekonomi dan Keuangan Islam [SHARE] is a double-blind peer-reviewed journal published by the Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry, Banda Aceh, Indonesia. SHARE publishes research and concept papers pertaining to the field of Islamic economics and finance in open access format, which enables readers to freely access and download the articles under the CC BY SA license. Since 2017, SHARE has become a CrossRef Member, meaning that each article published by the journal will have a unique DOI number. SHARE has been indexed in many trusted indexing sites, such as DOAJ, Index Copernicus, Scilit, WorldCat, Google Scholar, Dimensions, EBSCO, and many others. In Indonesia, SHARE is listed among the top-notch journals by the Indonesian journal accreditation body officialized with the Decree of Director General of Research Strengthening and Advancement, Ministry of Research, Technology, and Higher Education, No. 21/E/KPT/2018, starting from 9 July 2018 until 9 July 2023. Currently, SHARE is under consideration for inclusion in SCOPUS.

Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)

Articles 327 Documents

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THE FORMULATION OF MINIMUM WAGE (MW) IN THE LIGHT OF MAQASHID AL-SHARIA: INDONESIAN CASE Yulizar D Sanrego
Share: Jurnal Ekonomi dan Keuangan Islam Vol 6, No 2 (2017)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Minimum Wage (MW) is a policy set by the government as a basis reference at labor market for every company to pay their workers wages. Since workers always have a low bargaining position when dealing with employers in the determination of their wage rates, therefore the MW could becomes the safety net for workers to have "decent living" when he began to enter the world of work. In the case of Indonesia, the formulation of WM is referring to the parameters of Decent Living Needs (DLN) according to the Ministry of Manpower Decree No. 13, the year 2012. There are at least seven components in order to formulate MW within the DLN Framework, namely: (1) food and beverages, (2) clothing/apparel (3) housing, (4) education, (5) health, (6) transportation and (7) recreation and savings. Meanwhile, in Islam, every transaction made must be ensured preserve and achieve maqashid al sharia (sharia objectives): (1) religion/faith, (2) life, (3) intellect, (4) posterity, and (5) property. Using content analysis, the paper indicates that the regulation above is relevant to the conditions and objectives of sharia-based wage system (maqashid sharia). The Decent Living Needs (DLN)-based minimum wage setting which operated in the 60 components meet the basic needs components of the workers for their daily life which includes the needs of education, health, recreation, and saving. Hence, another challenge in relation to the DLN is how to ensure that the purchasing power of labor for their shelter within the existing MW formulation. What kind of shelter that considered as al dharuriyah within the existing MW setting. Therefore, there is a call for synergy between the government and the housing industry that can offer shelter in accordance with the purchasing power of labor with the existing level of MW and feasible within the framework of DLN so that might be considered as social policy elements. =========================================== Formulasi Upah Minimum dalam Perspektif Maqashid Syariah di Indonesia_______________________________________________ Upah Minimum (UM) merupakan kebijakan yang ditetapkan pemerintah sebagai dasar acuan di pasar tenaga kerja bagi setiap perusahaan. Pekerja dihadapkan pada posisi tawar yang rendah ketika berhadapan dengan pengusaha dalam penentuan tingkat upah mereka, oleh karena itu UM bisa menjadi jaring pengaman bagi pekerja untuk memiliki "kehidupan yang layak" ketika ia mulai memasuki dunia kerja. Dalam kasus Indonesia, perumusan UM mengacu pada parameter Kebutuhan Hidup Layak sesuai dengan Keputusan Menteri Tenaga Kerja Nomor 13, tahun 2012. Setidaknya, ada tujuh komponen perumusan MW dalam Kebutuhan Hidup Layak, yaitu: (1) makanan dan minuman, (2) pakaian / pakaian (3) perumahan, (4) pendidikan, (5) kesehatan, (6) transportasi dan (7) rekreasi dan tabungan. Sementara itu, dalam Islam setiap transaksi yang dilakukan harus dipastikan melestarikan dan mencapai maqashid al syariah (tujuan syariah): (1) agama / iman, (2) hidup, (3) kecerdasan, (4) anak cucu, dan (5) properti. Hasil analisa menunjukkan bahwa Keputusan Menteri Tenaga Kerja Nomor 13, tahun 2012 relevan dengan kondisi dan tujuan dari sistem upah berbasis syariah (maqashid syariah). Kebutuhan Hidup Layak berbasis penetapan upah minimum yang beroperasi di 60 komponen, memenuhi kebutuhan komponen dasar para pekerja untuk kehidupan mereka sehari-hari. Kebetuhan tersebut meliputi kebutuhan pendidikan, kesehatan, rekreasi dan tabungan. Tantangan yang harus dihadapi ialah bagaimana memastikan bahwa daya beli tenaga kerja dan jaminan tempat tinggal mereka dalam perumusan UM. Apa jenis hunian yang dianggap sebagai al dharuriyah dalam pengaturan UM yang ada. Oleh karena itu, diperlukan sinergisitas antara pemerintah dan industri perumahan dalam menawarkan perumahan sesuai dengan daya beli tenaga kerja dengan tingkat upah minimum sebagai elemen kebijakan sosial.

TAX DEDUCTION THROUGH ZAKAT: AN EMPIRICAL INVESTIGATION ON MUSLIM IN MALAYSIA Abdullah Al-Mamun; Ahasanul Haque
Share: Jurnal Ekonomi dan Keuangan Islam Vol 4, No 2 (2015)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

The aim of this study is to explore the factors which are affecting Muslim consumer's perception towards tax deduction through zakat in Malaysia. A conceptual framework was drawn based on the literature. Six factors were extracted through principal component analysis and SEM was run to test the hypotheses. This research found that halal-haram aspect of Islamic Shariah has a very positive influence on Muslim consumer's perception towards the tax rebate system. In addition, legal consciousness and knowledge about tax and zakat have a positive significant impact on Muslim consumersâ€™ perceptions towards this system. Due to the limited literature available on this subject matter, this study offers unique findings that may help in capitalizing the practices in Muslim countries and to understand their consumers' perception regarding the tax deduction system. In conclusion, zakat institutions in Malaysia will also be better benefitted through this research finding. ========================================================================================================Tujuan penelitian ini adalah untuk menggali faktor- faktor yang mempengaruhi persepsi para konsumen muslim terkait dengan pengurangan pajak melalui zakat di Malaysia. Suatu kerangka konseptual telah digambarkan berdasarkan literatur. Penelitian ini menemukan bahwa aspek halal- haram dalam Syariah Islami memiliki pengaruh yang sangat positif terhadap persepsi para konsumen muslim terkait dengan sistem pengurangan pajak. Sebagai tambahan, kesadaran hukum dan pengetahuan tentang pajak dan zakat memiliki pengaruh positif yang signifikan pada persepsi konsumen muslim yang terkait dengan sistem ini. Sehubungan dengan terbatasnya literatur yang tersedia terkait dengan masalah ini, penelitian ini menawarkan temuan- temuan yang menarik yang dapat mendukung pengembangan praktik- praktik di negara- negara muslim dan untuk memahami persepsi para konsumennya terkait dengan sistem pengurangan pajak.

TINGKAT KEBERHASILAN PROGRAM PENDAYAGUNAAN ZAKAT PRODUKTIF PADA BAITUL MAL PROVINSI ACEH Nurlaila Nurlaila; Nevi Hasnita
Share: Jurnal Ekonomi dan Keuangan Islam Vol 2, No 2 (2013)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This research generally aims to analyze the implementation of zakah productive at Baitul Mal Aceh on the â€˜becak mesinâ€™ and â€˜perdagangan' programs. In specific, it aims to analyze the successful variation between the two programs, and the Baitul Mal evaluation pattern in measuring the accomplishment level of the mustahik (zakah beneficiaries). Data for this study were collected through interviews, observation, questionnaire and documentation study. To analyze the data, it employed the comparative descriptive method which at first exposed the utilization pattern of zakah productive and followed by the comparison between the two programs. The results show that â€™perdaganganâ€™ program relatively receives higher successful rate comparing to the other program. It reveals that in the â€™perdaganganâ€™ program, the mustahik was guided and mentored up to several stages so that the mustahik will completely be able to stand alone. While for the mustahiq of â€™becak mesinâ€™ program, they were just only guided until they were able to pay back the initial loan. Following to the payback, they were completely unsupervised. This study suggests that the Baitul Mal should also provide supervision for the mustahik of â€˜becak mesinâ€™ thoroughly similar to the mustahik of â€˜perdaganganâ€™ program so that the mustahik will also receive similar accomplishment. =========================================== Penelitian ini secara umum bertujuan untuk menganalisis implementasi pendayagunaan zakat produktif pada Baitul Mal Aceh dalam program becak mesin dan perdagangan. Secara khusus penelitian ini bertujuan untuk menganalisis perbedaan tingkat keberhasilan antara program becak mesin dan perdagangan serta dan pola evaluasi Baitul Mal dalam mengukur tingkat keberhasilan mustahik. Data dalam penelitian ini dikumpulkan melalui wawancara, observasi, angket dan data dokumentasi. Analisis data menggunakan metode deskriptif komparatif dengan memaparkan terlebih dahulu pola pendayagunaan zakat produktif, selanjutnya dari data yang ada akan dibandingkan untuk melihat program mana yang lebih berhasil dalam implementasinya. Hasil penelitian ini menunjukkan bahwa program perdagangan lebih berhasil dibandingkan dengan program becak mesin. Hal ini disebabkan karena pada program perdagangan para mustahik dibina sampai beberapa tahap sehingga para mustahik perdagangan benar-benar mandiri. Sedangkan pada program becak mesin, mustahik hanya dibina sampai mereka melunasi semua setoran harga becak. Setelah becak tersebut lunas dan menjadi milik mustahik, maka mustahik tersebut tidak lagi mendapatkan pembinaan dari pihak Baitul Mal. Penelitian ini menyarakankan agar pihak Baitul Mal dapat meningkatkan pembinaan terhadap mustahik becak mesin, agar mustahik tersebut lebih termotivasi dalam melunasi setoran harga becak dan mereka benar-benar mandiri.

MENGKRITISI TEORI PEMBANGUNAN EKONOMI KONVENSIONAL M. Shabri Abd. Majid
Share: Jurnal Ekonomi dan Keuangan Islam Vol 1, No 1 (2012)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

The failure of western economists to identify the factors that cause of the differences in economic growth within a country over time and differences in economic growth between countries are because of their weaknesses and ignorance. Besides, the ignorance of the role of science in the early emergence of the theory of economic development, until now they still deny the presence of the grace of Allah SWT as the most important factor causing the ongoing economic development of the people. Because of the high value of science in Islam, then the mastery of science comprehensively and completely will allow Muslims to build its economy. However, economic development of the people will never apply without the blessing of Allah through His grace stream. This paper is to review and uncover the weakness of western economic growth theory since the theory was first initiated. Although, initially the western economists had ignored the role of science as one important indicator of economic development, then in the end of 2nd millennium they have that mastery of knowledge is absolutely necessary to develop the economy of the country. It is clearly shown that finally the western economists were forced to admit the truth of the words of Allah that has been poured in the Muslim holy book, Al Qur'an, about the importance of the role of sciences in life in this world. ========================================================================================================Kegagalan para ahli ekonomi barat untuk mengidentifikasi faktor-faktor penyebab terjadinya perbedaan pertumbuhan ekonomi dalam sebuah negara dari masa ke masa dan perbedaan pertumbuhan ekonomi antar negara adalah mutlak disebabkan oleh kedhaifan dan kejahilan mereka sendiri. Selain sempat mengabaikan peran ilmu pengetahuan pada awal-awal kemunculan teori pembangunan ekonomi, hingga detik ini mereka masih menafikan kehadiran rahmat Allah SWT sebagai faktor terpenting penyebab berlangsungnya pembangunan ekonomi umat. Karena tingginya nilai ilmu pengetahuan dalam Islam, maka penguasaan ilmu pengetahuan secara komprehensif dan benar jelas akan memudahkan umat Islam untuk membangun ekonominya. Namun, pembangunan ekonomi umat tidak akan pernah berlaku tanpa mendapat restu Allah SWT melalui cucuran rahmatNya. Tulisan ini meninjau dan menguak kedhaifan teori pertumbuhan ekonomi barat sejak teori itu pertama kali digagaskan. Walaupun pada awalnya para ahli ekonomi barat sempat mengabaikan peran ilmu pengetahuan sebagai salah satu indikator penting dalam pembangunan ekonomi, namun di akhir milineum ke-2 mereka telah menyadari bahwa penguasaan ilmu pengetahuan adalah mutlak diperlukan untuk membangun ekonomi negara. Ini, secara jelas, menunjukkan bahwa, akhirnya, para ahli ekonomi barat terpaksa mengakui kebenaran kata-kata Allah SWT yang telah dituangkan dalam kitab suci umat Islam, al-Qur'an tentang pentingnya peran ilmu pengetahuan dalam menjalani kehidupan di dunia fana ini.

What Determines the Financial Performance of Islamic Banks in Indonesia? Early Ridho Kismawadi; Abdul Hamid; Rasydah Rasydah; Aigatama Rafida
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Efficiency Ratio (OER) at Islamic Commercial Banks in Indonesia for the 2010-2019 period. The test was carried out using panel data regression with the Random Effect Model (REM) model, tested using the t-test and f test with a significance of 5%. Based on the results of the t-test, partially, OER has a negative and significant effect on Return on Assets (ROA), whilst NPF and CAR do not significantly affect ROA. Moreover, the results of the F-test show that CAR, NPF, and OER simultaneously affect ROA. The results of this study indicate that to maximize the financial performance of Islamic banking in Indonesia, the Islamic banks must pay attention to the OER variable.==========================================================================================================ABSTRACT - Determinan Apa yang Mempengaruhi Kinerja Keuangan Bank Syariah di Indonesia? Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada Bank Umum Syariah di Indonesia periode 2010-2019. Pengujian dilakukan menggunakan regresi data panel dengan model Random Effect Model (REM) yang pengujiannya menggunakan uji t dan uji f dengan signifikansi yaitu 5%. Berdasarkan hasil uji t, secara parsial BOPO berpengaruh negatif dan signifikan terhadap Return on Asset (ROA), sedangkan variabel NPF dan CAR tidak memiliki pengaruh yang signifikan terhadap ROA. Selanjutnya, hasil uji F menunjukkan bahwa CAR, NPF, dan BOPO secara simultan berpengaruh terhadap ROA. Hasil penelitian ini memberikan rekomendasi kepada Bank Syariah di Indonesia agar memberikan perhatian yang lebih serius terhadap variabel BOPO jika ingin memaksimalkan kinerja keuangannya..

MANAGING ZAKAT IN THE 4.0 ERA: AN IMPLEMENTATION OF SiMBA IN BAZNAS OF NORTH SULAWESI Nur Fitry Latief
Share: Jurnal Ekonomi dan Keuangan Islam Vol 8, No 2 (2019)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

SiMBA is a system that was built and developed for the purposes to store data and information owned by Indonesia Zakat Board (BAZNAS) nationally. This study aims to determine the implementation of SiMBA in BAZNAS of North Sulawesi Province and uses a Participatory Action Research (PAR) approach with data collection methods through interviews and observations. The informants consisted of 5 key informants, namely the SiMBA admin and 5 ordinary informants. Data analysis begins with the process of editing, classification, verification, analysis, and formulating conclusions. The results showed that SiMBA has been implemented by BAZNAS of North Sulawesi Province since 2018 which aims to support service performance, accountability in the management of zakat and increase the trust in Muzaki and zakat potential in each region. The application of SiMBA in North Sulawesi Province BAZNAS has been going well and is effective and efficient. SiMBA Admin is divided into two based on their duties, namely the executive admin of the collection field and the admin of the distribution department. Each admin has duties by his field and through this SiMBA the function of control and supervision is carried out very well name in the division of tasks that cannot be accessed by the admin or other parties other than by the executive admin in the field itself. SiMBA also facilitates the presentation of financial reports of all zakat management activities which are transparently and accountably provided to stakeholders and local governments as a form.==============================================================================================Mengelola Zakat di Era 4.0: Implementasi SiMBA pada BAZNAS Sulawesi Utara. SiMBA adalah sistem yang dibangun dan dikembangkan untuk keperluan menyimpan data dan informasi secara nasional yang dimiliki BAZNAS. Penelitian ini bertujuan untuk memastikan proses implementasi SiMBA di BAZNAS Provinsi Sulawesi Utara dan menggunakan pendekatan Participatory Action Research (PAR) dengan metode pengumpulan data melalui wawancara dan observasi. Informan terdiri dari 5 informan kunci, yaitu admin SiMBA dan 5 informan biasa. Analisis data dimulai dengan proses pengeditan, klasifikasi, verifikasi, analisis, dan merumuskan kesimpulan. Hasil penelitian menunjukkan bahwa SiMBA telah dilaksanakan oleh BAZNAS Provinsi Sulawesi Utara sejak 2018 yang bertujuan untuk mendukung kinerja layanan, akuntabilitas dalam pengelolaan zakat dan meningkatkan kepercayaan pada Muzaki dan potensi zakat di setiap daerah. Aplikasi SiMBA pada BAZNAS Provinsi Sulawesi Utara telah berjalan dengan secara efektif serta efisien. Admin SiMBA dibagi menjadi dua berdasarkan tugas mereka, yaitu admin eksekutif bidang pengumpulan dan admin departemen distribusi. Setiap admin memiliki tugas di bidangnya dan melalui SiMBA ini fungsi kontrol dan pengawasan dilakukan dengan sangat baik dalam pembagian tugas yang tidak dapat diakses oleh admin atau pihak lain selain oleh admin eksekutif di bidang itu sendiri. SiMBA juga memfasilitasi penyajian laporan keuangan semua kegiatan pengelolaan zakat yang diberikan secara transparan dan akuntabel kepada para pemangku kepentingan dan pemerintah daerah.

MANAJEMEN RISIKO PEMBIAYAAN QARDHUL HASAN MENURUT PERSPEKTIF EKONOMI ISLAM (STUDI PADA BAITUL QIRADH AMANAH BANDA ACEH) Bustami Bustami
Share: Jurnal Ekonomi dan Keuangan Islam Vol 3, No 1 (2014)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Qardhul hasan financing aims to help borrowers who have an urgency need, either for consumptive or productive purposes. This study aims to explore the mechanism of qardhul hasan financing at Baitul Qiradh (small Islamic rural bank) Amanah Banda Aceh and the strategic employed in managing its risk. This study used primary data that was obtained through field research and secondary data that was obtained through library research. The data was then analyzed using descriptive analysis technique. The findings show that the mechanism of qardhul hasan financing at Baitul Qiradh Amanah has several stages, namely application, analysis and investigation, decision, fund lending, and returning phase. The strategic used to prevent financing risk as follow: managing financing administrative, determining the terms and criteria, conducting analysis for customer prospective, assigning officers that supervise the financing activities and collect the monthly payments. For non-performing financing, the Baitul Qiradh employs risk management system strategic such as rescheduling and write off. Rescheduling was conducted by extending the payment due date, and write off was only given for customers who do not have any possibility to repay due to their condition of economy. =========================================== Pembiayaan qardhul hasan bertujuan untuk menolong peminjam yang berada dalam keadaan terdesak, baik untuk hal-hal yang bersifat konsumtif maupun produktif. Penelitian ini bertujuan untuk mengeksplorasi mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah dan strategi penanggulangan risikonya. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis, sedangkan teknik pengumpulan data primer diperoleh melalui penelitian lapangan dan data sekunder melalui penelitian kepustakaan. Dari hasil penelitian dapat diketahui bahwa, mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah Banda Aceh memiliki beberapa tahap, yaitu tahap permohonan pembiayaan qardhul hasan, tahap analisis dan penyelidikan pembiayaan qardhul hasan, tahap keputusan atas permohonan pembiayaan qardhul hasan, tahap pencairan pembiayaan qardhul hasan dan tahap pengembalian pembiayaan qardhul hasan. Sedangkan strategi penanggulangan risiko yang dilakukan adalah dengan mengatur administrasi pembiayaan, menentukan syarat dan kriteria yang harus dipenuhi untuk mengajukan permohonan pembiayaan, mengadakan analisa terhadap calon nasabah, menetapkan petugas yang mengawasi penggunaan pembiayaan dan menetapkan petugas penagihan pembiayaan. Terhadap pembiayaan qardhul hasan bermasalah, sistem manajemen risiko, yang diterapkan adalah perpanjangan waktu dengan pengurangan jumlah cicilan agar para nasabah dapat melunasi sedikit demi sedikit seluruh pinjamannya. Cara berikutnya pemutihan yaitu penghapusan piutang setelah dilakukan pengecekan terhadap kondisi usaha nasabah.

Diverse Perspectives in Islamic Banking and Finance: Insights from Indonesia Azharsyah Ibrahim
Share: Jurnal Ekonomi dan Keuangan Islam Vol 10, No 1 (2021)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

In this issue, our primary focus is to ensure a prompt review and publication process for the incoming manuscripts without compromising on quality. As customary, every manuscript we receive undergoes an initial review to assess its suitability for further evaluation. We place significant emphasis on the recommendations provided by our reviewers when making the decision to accept a manuscript. It is worth noting that some authors may need to revise and resubmit their manuscripts multiple times before they meet our criteria for publication. Given the rigorous evaluation process, we have selected only eight manuscripts for publication in this issue, out of the numerous submissions received through our online system. These accepted manuscripts cover a wide range of topics within the field of Islamic economics and finance. We strive to include diverse and insightful discussions that contribute to the advancement of knowledge in this area.

The Effect of SBI and SBIS as Monetary Instruments on the Indonesian Economy Isnaini Harahap; Khairina Tambunan
Share: Jurnal Ekonomi dan Keuangan Islam Vol 11, No 1 (2022)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v11i1.8603

As a developing nation, Indonesia uses Gross Domestic Product (GDP) as a measure of economic expansion. To maintain a high GDP, however, it is necessary to address a number of issues, including inflation, interest rates, and exchange rates. In an effort to resolve the issues, monetary operations, including the use of the Bank Indonesia Certificate (Sertifikat Bank Indonesia - SBI) and the Bank Indonesia Sharia Certificate (Sertifikat Bank Indonesia Syariah - SBIS) instruments, were carried out. These instruments should theoretically provide a positive effect on the economy. This study aims to determine the impact of the SBI and SBIS instruments on the economy of Indonesia. Data were obtained in a time series format from the Statistics Indonesia (Badan Pusat Statistik - BPS) and Bank Indonesia websites. It was interpolated on a monthly basis and analyzed using the VAR VECM method to determine short-term and long-term effects. The findings show that the SBIS variable has a significant impact on economic growth, whereas the SBI has no effect on the Indonesian economy. This result suggests that the Indonesian monetary authorities should consider using SBIS as a tool to support economic growth rather than SBI.==========================================================================================================ABSTRAK – Pengaruh SBI dan SBIS Sebagai Instrumen Moneter terhadap Ekonomi Indonesia. Indonesia sebagai negara berkembang menjadikan Produk Domestik Bruto (PDB) sebagai indikator pertumbuhan ekonomi. Namun untuk mempertahankan PDB yang tinggi, terdapat beberapa masalah diantaranya inflasi, suku bunga maupun nilai tukar. Untuk mengatasi persoalan tersebut secara moneter, dilakukan operasi moneter diantaranya dengan menggunakan instrument SBI dan SBI. Secara teoritis, kedua instrument harus memberikan dampak positif terhadap pertumbuhan ekonomi. Karenanya penelitian ini bertujuan untuk mengetahui dampak instrument SBI dan SBIS terhadap perekonomian Indonesia. Data penelitian dikumpulkan dalam bentuk time series dari situs BPS dan BI. Data tersebut diinterpolasi secara bulanan dan dianalisis dengan metode VAR VECM untuk menemukan dampak SBI dan SBIS pada periode jangka pendek dan jangka panjang. Hasil penelitian menunjukkan adanya dampak yang signifikan variabel SBIS terhadap pertumbuhan ekonomi, sementara SBI tidak berdampak signifikan terhadap perekonomian Indonesia. Implikasi temuan ini adalah otoritas moneter harus lebih mempertimbangkan SBIS dibandingkan SBI sebagai instrumen operasi moneter guna mendukung pertumbuhan ekonomi.

ANALISIS EKONOMI ISLAM TERHADAP JUAL BELI PADI SAWAH DI KECAMATAN MANGGENG ACEH SELATAN Nurul Mirda Yuna
Share: Jurnal Ekonomi dan Keuangan Islam Vol 3, No 2 (2014)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This study aims to analyze the practice of buying and selling of rice paddy after plantation but before harvesting in Paya Manggeng Village, Aceh Selatan District from an Islamic economics perspective. Data for this study utilized both primary and secondary which was gathered through interviews, observation, and study of documentation. The data was then analyzed using the descriptive analysis method. The results showed that the practice of buying and selling rice in that area involved the elements of gharar, especially on the selling objects, which was the rice. The object was usually sold when it had just been planted while the result could not yet be assured its satisfaction. In the context of Islamic economic, this mode of selling is not allowed because it involves occult objects. This was based on the opinion of Imam Al-Shafi'i and supported by Imam Nawawi. According to them, the selling is allowed on the condition that the seller has clearly mentioned the criteria of his objects. Therefore, it can be guaranteed that the criteria of the object will not be changed until the contract is signed. =========================================== Penelitian ini bertujuan untuk menganalisis praktik jual beli padi sawah setelah ditanam dan belum panen yang terjadi di Desa Paya Kecamatan Manggeng, Aceh Selatan dalam perspektif ekonomi Islam. Data yang digunakan dalam penelitian ini adalah data primer dan sekunder melalui wawancara, observasi dan studi dokumentasi. Data tersebut kemudian dianalisis menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa praktik jual beli padi sawah ini terdapat unsur gharar, terutama pada objek yang diperjualbelikan, yaitu padi. Padi yang dijadikan objek diperjualbelikan ketika baru terlihat batangnya saja sehingga belum bisa dipastikan dapat memberi hasil panen sesuai keinginan. Dalam konteks ekonomi Islam, jual beli dengan model seperti ini tidak dibolehkan karena masuk kepada kriteria jual beli benda yang gaib. Hal ini sesuai pendapat Imam Syafiâ€™i dan juga Imam Nawawi, dimana gharar adalah unsur akad yang dilarang dalam syariâ€™at Islam, kecuali jual beli gaib dengan menyebutkan sifat-sifat bendanya secara jelas sehingga dapat dijamin tidak akan terjadi perubahan terhadap sifat benda tersebut sampai berlangsungnya akad.

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Share: Jurnal Ekonomi dan Keuangan Islam Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia Email: jurnal.share@ar-raniry.ac.id

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Aceh

INDONESIA

Abstract

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Azharsyah Ibrahim

Contact Email jurnal.share@ar-raniry.ac.id

Phone -

Journal Mail Official jurnal.share@ar-raniry.ac.id

Editorial Address Share: Jurnal Ekonomi dan Keuangan Islam Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia Email: jurnal.share@ar-raniry.ac.id

Location Kota banda aceh, Aceh INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Azharsyah Ibrahim

Contact Email
jurnal.share@ar-raniry.ac.id

Phone
-

Journal Mail Official
jurnal.share@ar-raniry.ac.id

Editorial Address
Share: Jurnal Ekonomi dan Keuangan Islam Fakultas Ekonomi dan Bisnis Islam UIN Ar-Raniry Banda Aceh, 2nd Floor Jln. Syech Abdur Rauf Banda Aceh 23111, Aceh, Indonesia Email: jurnal.share@ar-raniry.ac.id

Location
Kota banda aceh,

Aceh

INDONESIA