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El-Qish: Journal of Islamic Economics
Published by Universitas Terbuka
ISSN : -     EISSN : 28093232     DOI : https://doi.org/10.33830/elqish
Core Subject : Economy,
Economics, Econometrics & Finance
El-Qish invites scholars, researchers, and students to contribute the result of their studies and research in the areas related to Islamic economics, Islamic Macroeconomics, Islamic Monetary, Islamic Microeconomics, Islamic finance, Islamic Business, Islamic Human Resource Management, Islamic Marketing Management, Halal industries, Zakat and Wakaf, and Islamic Entrepreneurship.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 61 Documents
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The Role of DSN-MUI Fatwa in Indonesian Sharia Banking Development Flows in the Industrial Revolution 4.0 Widayanti, Ipuk; Hiyun Puspita Sari, Silvia Waning
El-Qish: Journal of Islamic Economics Vol. 3 No. 1 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v3i1.6519.2023

Abstract

The development of Islamic banking in recent years has experienced a very significant increase. This happens because it uses the principles of Sharia (Islamic law) and gets support from the government to accelerate Sharia banking activities. One form of support to improve the development of Islamic banking is the issuance of Law No. 21 of 2008 concerning Islamic Banking. An important authority in the dynamics of Sharia banking regulation is the National Sharia Council-Indonesian Ulema Council (DSN-MUI). This institution is an authoritative source in overseeing the obedience of Sharia banking industry players to comply with Sharia rules. The purpose of this study is to analyze the fatwa issued by the DSN-MUI on the development of Islamic financial institutions (LKS) in Indonesia, especially the Islamic banking sector. This study uses a qualitative method with a literature study approach. Findings: the results of this study conclude that the position of the DSN-MUI fatwa does not yet have a significant role in the development of Islamic bank products and services. This is because the fatwa acts only as a complement to Islamic bank products and services. In addition, the fatwa is a legal requirement for the Islamic banking sector in the context of Sharia compliance. The DSN-MUI fatwa is issued after the products and services have been published, not with a discussion mechanism first.
The Effect of Service Quality and Price Factors on Customer Satisfaction of Tsamie Noodle Bar in Indonesia: an Islamic Perspective Ane Khoerunisya; Farid Al Rizky; Siti Nurhasanah; Tomy Saladin Aziz; Abdul Aziz
El-Qish: Journal of Islamic Economics Vol. 3 No. 2 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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Abstract

This research has high significance in the context of business and customer service. By analyzing the effect of service quality and price on customer satisfaction at Tsamie Noodle Bar, this study provides business owners and restaurant managers with valuable insights into the factors that influence customer satisfaction. With a better understanding of how service quality and price can affect customer perceptions and satisfaction, business owners can take appropriate steps to improve the customer experience and strengthen their customer base. In addition, this research also has relevance to the principles of Islamic economics, where providing satisfaction to consumers is an integral part of a trader's responsibility. This research problem focuses on the effect of service quality and price on customer satisfaction at Tsamie Noodle Bar. For this reason, this study uses a survey method with a quantitative approach to 100 respondents using probability sampling techniques. Data collection techniques through questionnaires and documentation with multiple linear regression analysis using SPSS software version 22. The research findings show that service quality and price have a positive and significant influence on customer satisfaction at Tsamie Noodle Bar. This means that the better the quality of service provided to consumers and the fairer the price offered, the more satisfied consumers will be.
Communication Model for Community Development of Sharia Bank Financing Products in Empowering Women Nada Arina Romli; Dini Safitrir; Prima Yustitia Nurul Islami
El-Qish: Journal of Islamic Economics Vol. 3 No. 2 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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Abstract

This study examines a case study of group entrepreneurial financing products initiated by Islamic Banks by implementing the Grameen Bank program. The concept of the financing product used is a product that provides capital financing and business knowledge to poor women's business groups without collateral. The guarantee used is the trust between group members in Indonesian called Tanggung Renteng or joint responsibility of the whole community. This study aims to determine the community development model that is applied in promoting financial products and to motivate community members to become entrepreneurs. The research method used in this research is a qualitative research method with a case study approach and the concept of social capital Islamic values. In searching for data, researchers conducted semi-structured interviews and passive participant observation. This research was conducted in the female entrepreneur community in Bekasi.The result of this research is community development communication model is carried out in several stages, namely the pre-marketing stage, survey and observation, training, and provision of capital assistance and monitoring. This community development communication model through Grameen Bank to empower women applies the concept of social capital based on Islamic values including the values of the ummah, wahidah, uhuwah, and ta'awun.
Islamic Social Reporting; Investment Account Holder; Non-Performing Financing; Islamic Corporate Governance; and Maqashid Shariah Index Faisal, Yusuf; Luthfiyah, Qonitatun; Gumala Sari, Egi
El-Qish: Journal of Islamic Economics Vol. 4 No. 1 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v4i1.7737.2024

Abstract

This study aims to examine, analyze, and obtain empirical evidence regarding the effect of Investment Account Holders, Non-Performing Financing, Islamic Corporate Governance, and the Maqashid Sharia Index on Islamic Social Reporting of the Largest Islamic Banks in the World. This study uses secondary data in the form of annual reports or sustainability reports and other information on Islamic Banks. The samples in this study were the 10 Largest Islamic Banks in the World selected using a purposive sampling technique. The research implementation time was for 6 periods from 2017 - 2022. Research using panel data with panel regression models and data processing software using Eviews. From the results of the study, it is known that only the Islamic Corporate Governance variable significantly affects Islamic Social Reporting, while other variables, namely Investment Account Holder, Non-Performing Financing, and Maqashid Sharia Index do not significantly affect Islamic Social Reporting. This research is expected to provide information related to Islamic social reporting and provide benefits in making the right decisions and can be used as a reference for further research.
Determinant Profitability and Liquidity Analysis of Expressions Islamic Social Reporting in Sharia Commercial Banks Izzun Khoirun Nissa; M.Yunan Hidayat; Chusnul Intan; Jessica; Rosida Dwi Ayuningtyas
El-Qish: Journal of Islamic Economics Vol. 3 No. 2 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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Abstract

This study aims to explain the variables of profitability and liquidity on the expression of Islamic social reporting at Islamic commercial banks in Indonesia for the period 2018 to 2021. The population in this study is Islamic banking in Indonesia registered with the Financial Services Authority (OJK) for the period 2018 – 2021. The data used in this study is panel data from 9 selected Islamic banks, with a total sample of 36. Profitability has a negative and significant effect on ISR expression. This means that the greater the profitability in Islamic banks, the narrower the ISR disclosure will be made. Meanwhile, liquidity hurts ISR expression.  which means that when liquidity is high, it will also be narrower in the ISR disclosures made. So, it can be concluded that Islamic banking in Indonesia needs to pay attention to ISR expressions that are carried out to also trust the community.
Profitability of Islamic Commercial Banks in Indonesia: Third-Party Funds Analysis and Financing Rahmat, Rahmat Kurnia; Yoshanti, Ghita; Maminirina Fenitra, Rakotoarisoa
El-Qish: Journal of Islamic Economics Vol. 3 No. 2 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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Abstract

  This research aims to examine the correlation of Third Party Funds and Financing on the Profitability of Islamic Commercial Banks in Indonesia. The gap of this research is the different findings of the financial reports of Islamic Commercial Banks in Indonesia data for the 2018-2022 period, where the growth of Return On Assets (ROA) in third-party funds and financing is not always ideally balanced. This research elaborates on the profitability of Islamic Commercial Banks through Return On Assets (ROA). The data collection for this research is utilizing Secondary Research from the Islamic Commercial Bank financial report 2018-2022 period combined with a descriptive quantitative method with the help of Eviews 12 software. The result shows that third-party funds and financing have no significant effect on the profitability of Islamic Commercial Banks per se. Meanwhile, surprisingly third-party funds and financing altogether, simultaneously have a significant effect on profitability in Islamic Commercial Banks.
Does Investment Opportunity Set, Financial Performance, and Dividend Policy Have An Influence on Sharia Stock Returns? Nur Asmilia; Nindya Nur Meytta
El-Qish: Journal of Islamic Economics Vol. 3 No. 2 (2023): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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Abstract

This research aims to examine the Investment Opportunity Set, Financial Performance, and Dividend Policy on Sharia Stock Returns. Empirical Study of Food and Beverage Subsector Manufacturing Companies Listed on the Indonesia Stock Exchange. The data used is secondary data and the method used is panel data analysis with the Eviews version 10 program to obtain a comprehensive picture of the relationship between one variable and another and the model used is the Fixed Effect Model (FEM) estimation. Sampling was carried out using purposive sampling technique. The sample selected based on the criteria was 16 (sixteen) companies with 5 years of research, so the total sample used in testing the research was 76 data. This research tests three independent variables, namely Investment Opportunity Set, Financial Performance, and Dividend Policy which has the dependent variable Stock Return. The results of this research in the partial test or t test show that the Investment Opportunity Set has an effect on Stock Returns, while Financial Performance and Dividend Policy have no effect on Sharia Stock Returns.
Application of Islamic Economic Concepts as a Role Model in Increasing the Wooden Furniture Business in Bengkalis Saputra, Andrian; Alma’arif
El-Qish: Journal of Islamic Economics Vol. 4 No. 1 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v4i1.7960.2024

Abstract

This article discusses the role of fiqh knowledge in managing the muamalah process, including in the context of buying and selling. The business in the field of wooden furniture is really hot because this business is very promising and produces large profits. Especially in Bengkalis Regency, an area that is an island in Riau Province. Even though this area is small, it has a lot of natural wealth. For example, mining for oil, palm oil, and furniture materials, namely quality trees and wood to be used in making houses and other furniture materials. The method used in this research is descriptive qualitative using library research. In practice, not many furniture business processes apply Islamic principles in running the business. For example, illegal logging of forests is carried out, the impact of which is detrimental to residents. In fact, in Islam itself, all businesses carried out are prohibited from destroying the environment and harming other people for the sake of personal interests and some groups. For this reason, this research was carried out to analyze and review the extent of the wooden furniture business practices in Bengkalis based on Islamic fiqh, both the implementation and transactions of the furniture business carried out.  
The Influence of Marketing Communication and Service Quality on Customer Decisions at BJB Syariah KCP Sumber Cirebon Alvien Septian Haerisma; Abdul Ghoni; Dian Lestari
El-Qish: Journal of Islamic Economics Vol. 4 No. 1 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v4i1.8019.2024

Abstract

Various studies have explored the impact of marketing communications and service quality on customer decisions. In carrying out its operational activities, Sharia banking has several factors that can influence the public to decide to use the products and services offered, these two factors include marketing communications and service quality. Therefore, this research aims to determine the influence of marketing communications and service quality on customers' decisions to use Wadiah IB Maslahah savings. The type of research used is survey research using a quantitative approach. The number of samples in this research was 70 samples. By using the Slovin formula, the standard error used is 0.1 or 10%. The data analysis techniques used are validity tests, reliability tests, classical assumption tests, multiple linear regression tests, multiple coefficient tests, and hypothesis tests in the form of t-tests (partial) and F-tests (simultaneous), where all testing processes use IBM SPSS. The results of this research show that there is a partial positive and significant influence between marketing communication variables on customer decisions. Then there is a significant influence between service quality variables on customer decisions. And simultaneously marketing communication variables and service quality influence customer decision variables.
The Influence of Customer Service on Customer Satisfaction At Bank Jabar Banten Sharia Sub-Branch Office KCP Sumedang Hamid, Abdul Hamid; Enceng Iip Syaripudin; Gini Gaussian; Sasa Sunarsa
El-Qish: Journal of Islamic Economics Vol. 4 No. 1 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

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Abstract

One strategy that can support success in the banking business is to try to offer quality services with good and qualified service quality. Customer service is carried out as well as possible to provide comfort to customers so that the customer experience during transactions is better and can meet customer expectations in terms of service. This study aims to determine and analyze the relationship between customer service and customer satisfaction at Bank BJB Syariah KCP Sumedang. This research is a type of quantitative research using questionnaires and observation methods. The data collection techniques used in this study are observation and questionnaires or questionnaires to obtain data on customer service (X) and customer satisfaction at Bank BJB Syariah KCP Sumedang (Y). This study took a population of 113 customers (who had direct contact with customer service during the first quarter of 2023) Bank BJB Syariah KCP Sumedang with a total research sample of 57 respondents. The results of this study indicate that the customer service variable has a positive and significant effect on customer satisfaction at Bank BJB Syariah KCP Sumedang. This is based on the results of the t-test with a sig value <0.05 and based on the results of simple linear regression analysis which has a positive or unidirectional regression coefficient value so that it can be interpreted that better customer service will increase customer satisfaction.

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