Izdihar : Jurnal Ekonomi Syariah
Izdihar : Jurnal Ekonomi Syariah, published by Study Program of Sharia Economics Universitas K.H. Wahab Hasbullah, can be said as new academic journal dealing with the theme in Indonesia. The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market, and other relevant themes. Thus, Indonesian and non-Indonesian scholars have enriched the studies published in the journal. Although not from the beginning Izdihar presents highly qualified scholarly articles, improvement—in terms format, style, and academic quality—never ceases. Now with articles written in Indonesian, Arabic, and English and with the fair procedure of peer-review, Izdihar continues publishing researches and studies pertinent to Islamic finance and economics with various dimensions and approaches. The Scope of our journal includes: (1) marketing management, (2) human resources management, (3) financial management, (4) operational management, (5) strategic management (6) entrepreneurship.
Articles
97 Documents
<![CDATA[PENGARUH PENERAPAN MANAJEMEN RESIKO TERHADAP KINERJA PEGADAIAN SYARIAH ]]>
<![CDATA[Wirda Eka Agustina]]>;
<![CDATA[Bekti Widyaningsih]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 01 (2023): April ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i01.3440
<![CDATA[ABSTRACT The application of risk management is very important in the survival of a business, because this risk management is an effort to minimize the possibility of losses and risk management is an effort to know, analyze and control risks in every company activity with the aim of obtaining greater effectiveness and efficiency. tall. Performance risk is an important effort that must be carried out by every risk company, including sharia pawnshops, as an effort to minimize the resulting losses. This study aims to determine operational risk management carried out in sharia pawnshops. The purpose of this study is to find out how risk management is implemented and what types of risks occur in sharia pawnshops in Indonesia. This type of research is field research using a qualitative approach. The results of this study indicate that operational risk is divided into two risks, namely risk to customers and to sharia pawnshops. Keywords : risk management, performance, Islamic pawnshops ABSTRAK Penerapan manajemen risiko menjadi hal yang sangat penting dalam keberlangsungan hidup suatu usaha, karena manajemen risiko ini merupakan suatu usaha untuk meminimalisirkan kemungkinan terjadinya kerugian dan manjemen risiko merupakan suatu usaha mengetahui, menganalisis serta mengendalikan risiko dalam setiap kegiatan perusahaan dengan tujuan untuk memperoleh efektivitas dan efesiensi yang tinggi. Risiko Kinerja merupakan upaya penting yang harus dilakukan oleh setiap perusahaan termasuk pegadaian syariah, sebagai upaya meminimalisir kerugian akibat risiko yang terjadi. Penelitian ini bertujuan untuk mengetahui manajemen risiko operasional yang dilakukan di pergadaian syariah. Adapun tujuan dari penelitian ini adalah untuk mengetahui bagaimana penerapan manajemen risiko dan jenis risiko apasaja yang terjadi pada pegadaian syariah di Indonesia. Jenis penelitian ini adalah field research dengan menggunakan pendekatan kualitatif. Hasil penelitian ini menunjukan bahwa risiko operasional dibagi menjadi dua yaitu risiko ke nasabah dan risiko ke pegadaian syariah. Kata kunci : Manajemen resiko, kinerja, pegadaian syariah]]>
<![CDATA[ANALISIS FIQH ISLAM TERHADAP TRANSAKSI JUAL BELI YANG DILARANG ]]>
<![CDATA[Raja Ritonga]]>;
<![CDATA[Putri Anisah Nasution]]>;
<![CDATA[Rukiah Nst]]>;
<![CDATA[Rina Riski]]>;
<![CDATA[Maya Borotan]]>;
<![CDATA[Arobiah Nasution]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 01 (2023): April ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i01.3561
<![CDATA[Muamalah transactions in Islam can develop along with the progress of the times. However, transactions must be carried out while still referring to the propositions or rules that exist in Islamic teachings. Each transaction will have different legal impacts. This is by the contract used in the transaction when it takes place because the contract can be categorized as valid, fasid, or vanity. This article aims to discuss the analysis of Islamic fiqh related to muamalah buying and selling transactions which are prohibited in Islam. The research method used is a type of literature with an interpretive approach to the opinions of the fiqh madhhab scholars. The research data were taken from the results of reference searches sourced from the library, in the form of books, articles, and other scientific works. Furthermore, the data were analyzed with descriptive analytics. The results of the study show that transactions in muamalah sales and purchases that are prohibited can be categorized into three types. Namely, (1) transactions are prohibited because of expertise, (2) transactions are prohibited because they violate the principles of not being unjust and not being wronged and (3) transactions are prohibited because sighat is used.]]>
<![CDATA[OPTIMALISASI RETURN SKEMA INTRADAY TRADING SAHAM SYARIAH INDONESIA MELALUI PEMILIHAN HARI DAGANG ]]>
<![CDATA[Siti Azizah]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 01 (2023): April ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i01.3580
<![CDATA[Traders on the stock exchange under any circumstances try to minimize risk and maximize returns, including when the stock market is affected by Covid-19. At that time the Indonesian stock market experienced an extreme decline in stock prices in general. It happened gradually until it formed a downtrend over a fairly long period. Investors and active traders bear the loss of this condition. Wait and see until the downtrend ends is not always a solution. This study provides input for traders by observing in more detail the fluctuations that occur in the daily period which is referred to as the intraday scheme. Assuming whether there are certain days with a more positive tendency for returns than other days. The research was conducted using quantitative methods with a non-experimental approach with descriptive statistical data processing techniques. The results of observations on the 2017-2022 Indonesian Sharia Stock Index (ISSI) data show that Friday is the day that has the most tendency for prices to rise, the biggest returns, and the highest performance index (based on the Sharpe and Treynor Index) than other days. Keywords: return, Covid-19, intraday trading]]>
<![CDATA[PENERAPAN ISLAMIC ATTRIBUTE HOTEL BERBASIS SYARIAH GREEN RED JOMBANG ]]>
<![CDATA[Naily El Muna]]>;
<![CDATA[Muhammad Zaim Dzulkarnain]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 01 (2023): April ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i01.3609
<![CDATA[ABSTRAK Hotel syariah saat ini memang tengah menjadi trend baru dalam bisnis akomodasi dan perhotelan di Indonesia. Cerahnya bisnis hotel syariah ini turut ditopang oleh besarnya pasar konsumen muslim khususnya disektor pariwisata baik di dalam maupun luar negeri. Green Red Jombang merupakan salah satu bisnis yang bergerak di unia pariwisata perhotelan. Green Red Kabupaten Jombang berupaya untuk meningkatkan omzet pemasaran engan cara menerapkan strategi bauran pemasaran melalui wisatawan. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan penelitian dilapangan. Hasil penelitian menunjukan bahwa penerapan strategi bauran pemasaran dalam meningkatkan omzet penjualan pada Green Red Kabupaten Jombang meliputi:1. mengelola meia sosial, 2. merawat jaringan internet, 3. memahami tentang pemasaran. Kata kunci: Islamic attribut, hotel, dan syariah ABSTRACT Sharia hotels are currently becoming a new trend in the accommodation and hospitality business in Indonesia. The bright sharia hotel business is also supported by the large Muslim consumer market, especially in the tourism sector both at home and abroad. Green Red Jombang is one of the businesses engaged in the world of hospitality tourism. Green Red Jombang Regency seeks to increase marketing turnover by implementing a marketing mix strategy through tourists. The research method used is descriptive qualitative with field research. The results of the study show that the application of the marketing mix strategy in increasing sales turnover at Green Red Jombang Regency includes: 1. managing social media, 2. maintaining internet networks, 3. understanding online marketing (digital marketing).online(digital marketing). Keywords: Islamic atribut, hotel, and sharia ]]>
<![CDATA[ANALISIS SISTEM BAGI HASIL AKAD MUDHARABAH DALAM PERSPEKTIF EKONOMI ISLAM PADA BANK SYARIAH ]]>
<![CDATA[Ivanka Mira Nur aini]]>;
<![CDATA[Fitri Mariyana Dewi]]>;
<![CDATA[Fitri Nur Latifah]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i02.2241
<![CDATA[Abstract: In an effort to spread Islamic teachings in the millennial era with the existing pattern of development in the economic field based on Islamic sharia and in its development applying a profit sharing system (mudharabah) between the two parties. Although basically humans are given the freedom to conduct transactions (mu’amalah) but in its development it must be on the basis of Islamic law with a fiqh perspective and this is also highly expected so that the mudharabah contract can also be used and can also be used and can also be developed in Islamic Banking. The main capital in this concept is not only money but trust and a high social spirit. Keywords: Profit sharing, mudharabah contract, islamic economics, islamic bank]]>
<![CDATA[MANAJEMEN RISIKO DI ERA COVID-19 TERHADAP PEREKONOMIAN DAN UMKM DI INDONESIA ]]>
<![CDATA[Laila Ma'rufah]]>;
<![CDATA[Bekti Widyaningsih]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i02.3427
<![CDATA[The Covid-19 pandemic was able to change almost all patterns of community activity in the world. Everything that invites crowds or the involvement of many people must be avoided. So that it will cause a lot of risk impacts in all sectors of life including the economic sector in it. Risk is a result that is not good and can hinder a certain goal. So good risk management is really needed in a situation like this in order to be able to deal with all the risks that arise due to Covid-19. This study aims to determine Risk Management in the Covid-19 era in the economic field. This type of research is a type of library research. The conclusions from the results of this study indicate that Risk Management in the Covid-19 era is in the current economic sector with various impacts on the economy due to the Covid-19 pandemic, namely difficulties in finding jobs, difficulties in meeting daily needs, not even having an income in meeting the necessities of life and there are many more risks that occur from other economic sectors. As for what the government is doing to minimize this risk, namely by issuing several monetary and fiscal policies in the hope of being able to restore the economic situation of the State of Indonesia. Keywords: Risk Management , Covid-19, Community Economy, UMKM,]]>
<![CDATA[DAMPAK MANAJEMEN RESIKO KREDIT BARANG PEGADAIAN SYARIAH ]]>
<![CDATA[Alyafi David Septian]]>;
<![CDATA[Bekti Widyaningsih]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2024): April ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v4i01.3439
<![CDATA[Penelitian ini bertujuan untuk mengetahui efektifitas penerapan manajemen risiko kredit pada PT. Pegadaian (Persero) Cabang Enrekang. Jenis penelitian yang digunakan adalah penelitian deskriptif dengan pendekatan kualitatif dengan memaparkan apakah penerapan manajemen risiko kredit pada PT. Pegadaian (Persero) Cabang Enrekang sudah efektif. Hasil penelitian menunjukkan bahwa penerapan manajemen risiko kredit pada PT. Pegadaian (Persero) Cabang Enrekang telah efektif karena dalam pemberian kredit sudah sesuai dengan prinsip 5C untuk meminimalisir terjadinya kredit macet. Kata Kunci : Manajemen Risiko, Risiko Kredit]]>
<![CDATA[PENGARUH KEUANGAN MANDIRI BERBASIS SYARIAH DALAM MEWUJUDKAN KUALITAS PENDIDIKAN DI PONDOK PESANTREN AN-NASHRIYAH BAHRUL ULUM TAMBAKBERAS ]]>
<![CDATA[Elensya Eka Shintya Putri]]>;
<![CDATA[Arivatu Ni'mati Rahmatika]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2024): April ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v4i01.3444
<![CDATA[Pondok Pesantren memiliki kewajiban dalam meningkatkan kualitas pendidikan bagi para Santrinya. Hal itu dapat dilakukan dengan adanya kemandirian sektor perekonomian yang kontributif. Pendidikan yang berkualitas membutuhkan dana yang cukup. Hal tersebut dapat kita rasakan sampai detik ini. Kemandirian ekonomi yang baik dalam suatu pendidikan dapat memberikan peran yang besar terwujudnya kelengkapan fasilitas pendidikan pesantren yang tidak dapat diandalkan dengan hanya mengandalkan keterbatasan sumbangan dari Pengasuh, Wali Santri atau yang lain. Kelengkapan fasilitas tersebut dapat menjadikan santri yang memiliki kualitas tinggi. Penelitian ini menggunakan pendekatan campuran untuk mendapatkan data yang diperlukan sehingga dapat ditemukan hasil penelitian yang autentik dan akurat. Dalam penelitian ini ditemukan bahwa kualitas pendidikan dapat diwujudkan dengan strategi perekonomian yang ada dengan melibatkan berbagai aspek sumber daya yang ada. Dalam penelitian ini ditemukan bahwa kualitas layanan pendidikan dapat diwujudkan dengan strategi memandirikan perekonomian yang ada dengan melibatkan berbagai aspek sumber daya yang ada sehingga dapat memberikan kontribusi besar terhadap kebutuhan layanan pendidikan yang berkualitas. Tujuan penelitian ini adalah untuk mengetahui dan mendeskripsikan pengelolaan keuangan dalam pesantren guna menciptakan kualitas pendidikan yang baik. Penelitian ini menggunakan pendekatan kualitatif, menggunakan teknik wawancara, observasi dan dokumentasi. Kata Kunci : Manajemen, ekonomi mandiri, kualitas pendidikan]]>
<![CDATA[PENGARUH CORPORATE SOCIAL RESPONBILITY TERHADAP NILAI PERUSAHAAN DAN MANAJEMEN RESIKO BANK SYARIAH INDONESIA ]]>
<![CDATA[Ika Ainun Nur Fitria]]>;
<![CDATA[Arivatu Ni'mati Rahmatika]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i02.3452
<![CDATA[The purpose of this research is to find out how Corporate Social Responsibility influences. The analysis results show that corporate social responsibility has a significant positive effect on company value. This means that the better the company implements CSR, the more the company value will increase. This research chooses a qualitative method with a descriptive approach to research the implementation of risk management in Islamic banks and Corporate Social Responsibility, therefore researchers must go directly to the field to explore problems related to the implementation of risk management in BSI and the influence of CSR on company value. This research is direct research on customers who save at BSI. Keywords: Risk management, Influence of CSR]]>
<![CDATA[ASURANSI SYARIAH : BAGAIMANA KEDEPANNYA? ]]>
<![CDATA[Riky Soleman]]>;
<![CDATA[Ririn Dwi Aryanti]]>;
<![CDATA[Nadya Ulfa]]>;
<![CDATA[Achmad Jufri]]>
<![CDATA[ Izdihar: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2023): Oktober ]]>
Publisher : <![CDATA[Universitas KH. A. Wahab Hasbullah ]]>
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DOI: 10.32764/izdihar.v3i02.3461
<![CDATA[Syarikat Takaful Indonesia (Takaful Indonesia) in 1994. The research method used in this research is literature study (Case Study) analyzing from books or various studies that have been done previously. This study aims to critically examine sharia insurance and what will happen in the future? The result of this research is that the birth of Takaful Indonesia as a holding company for PT Asuransi Takaful and PT Asuransi Takaful Umum, the first Life and General Sharia Insurance in Indonesia, is the result of commitment and concern for various elements of the nation towards the development of the sharia economy, especially sharia insurance in Indonesia. According to OJK data, as of November 2019, sharia insurance assets against conventional insurance showed a figure of 6.17% or Rp 44.75 trillion (OJK, 2019). To improve and enhance the promotion of the sharia insurance market, support from all parties, be it the government, industry and stakeholders, especially in an effort to increase sharia insurance literacy effectively and massively through socialization of public education.]]>
