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el-Jizya: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Profesor Kiai Haji Saifuddin Zuhri Purwokerto
ISSN : 2354905X     EISSN : 25796208     DOI : https://doi.org/10.24090/ej
Core Subject : Economy,
Economics, Econometrics & Finance
el-Jizya: Jurnal Ekonomi Islam is a scientific journal published by Faculty of Economic and Islamic Bussiness UIN Prof. K.H. Saifuddin Zuhri Purwokerto. First printed edition was published in 2013, and since 2017 it has been published in online version. El-Jizya focuses on the study of Islamic Economics from various perspectives. It is published twice a year (June & December).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 155 Documents
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PEMBERDAYAAN MASYARAKAT BERBASIS PARIWISATA Sochimin Sochimin
el-Jizya : Jurnal Ekonomi Islam Vol 7 No 2 (2019): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (388.982 KB) | DOI: 10.24090/ej.v7i2.3455

Abstract

Tourism in Indonesia has worldwide because of its diverse tourism potential and extensive natural beauty. However, this does not make the community around the tourist sites enjoy many benefits from the development of aspects of tourism in their area because it requires the public to understand the tourism potential needed in their area, so that the government has the duty and responsibility to empower the community so that the community can use the tourism potential. The concept of community empowerment is based on concepts that represent the community not only as objects, but also as subjects. In the object position, the goal is the community which still needs to be given guidance or direction so that management can continue to develop and achieve goals, while the subject position is the community is the determinant in the development itself, the community is a very important aid in the development planning that has been carried out. Tourism is one of the new industries that is able to increase economic growth quickly in terms of employment opportunities, incomes, living standards and in terms of activating other production sectors in tourist recipient countries. Therefore, the development of locally based tourism does not directly involve the community to actively participate in developing the potential that exists in their area so that they can improve their welfare.
PENGARUH KEPRIBADIAN ORANG MELAYU TERHADAP MOTIVASI BERWIRAUSAHA PADA USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KECAMATAN BENGKALIS Wan Muhammad Fariq Saifullah Imam Fakhruddin
el-Jizya : Jurnal Ekonomi Islam Vol 7 No 2 (2019): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (702.658 KB) | DOI: 10.24090/ej.v7i2.3456

Abstract

Penelitian ini dilakukan pada Usaha Mikro Kecil dan Menengah pada Kecamatan Bengkalis. Sampel dalam penelitian ini yaitu merupakan pengusaha pada Usaha Mikro Kecil dan Menengah di Kecamatan Bengkalis. Kuesioner ini terbagi dalam dua bagian, yang pertama adalah bagaimana respon pengusaha tentang kepribadiannya dan yang kedua adalah respon pengusaha mengenai motivasinya dalam melakukan usahanya yang berjumlah 75 orang. Sedangkan Populasinya adalah seluruh pengusaha UMKM di Kecamatan Bengkalis. Hasil penelitian dapat disimpulkan bahwa kepribadian orang Melayu di Kecamatan Bengkalis mempunyai kepribadian yang baik denga rata-rata 3,82. Sedangkan motivasi berwirausaha di Kecamatan Bengkalis dalam mengembangkan usaha UMKM termasuk dalam katagori baik dengan rata-rata 3,83. Adapun hasil analisis regresi sederhana diketahui nilai signifikasi dari tabel adalah 0,08>0,05 dan thitung 2,739>ttabel 1,665, maka terdapat pengaruh kepribadian orang melayu terhadap motivasi berwirausaha dalam Usaha Mikro, Kecil dan Menengah tetapi pengaruhnya tidak signifikan.
ERA FINTECH: PELUANG DAN TANTANGAN BAGI EKONOMI SYARIAH Rokhmat Subagiyo
el-Jizya : Jurnal Ekonomi Islam Vol 7 No 2 (2019): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (449.283 KB) | DOI: 10.24090/ej.v7i2.3457

Abstract

Changes in digital technology occur very quickly because of the industrial revolution 4.0. Human behavior has changed in accessing financial services or FinTech. Modern online businesses replace traditional businesses. Indonesia as one of the prima donna to develop FinTech. The Islamic financial industry is more stable and stronger to survive than the conventional financial industry. FinTech sharia opportunities are still wide open because it provides solutions for needs that cannot be served by conventional financial services. The results of the study include: (1) FinTech Sharia is able to realize the transparency of financial activities; (2) creating opportunities for customers both households and businesses to access sharia financial services; (3) providing sharia investment opportunities; (4) fintech has the potential to pose risks to consumers. Recommendation given: Islamic economics is important to answer the challenges of FinTech by issuing products or policies that are in accordance with the development of FinTech and Islamic principles.
Manajemen Zakat, Infaq, dan Shadaqah di Badan Amil Zakat Nasional (BAZNAS) Kabupaten Banyumas Rahmini Hadi
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (281.221 KB) | DOI: 10.24090/ej.v8i2.3750

Abstract

Sesuai dengan Undang-undang Nomor 23 Tahun 2011, dalam rangka pengelolaan zakat pada tingkat provinsi dan kabupaten/kota, Kabupaten Banyumas membentuk BAZNAS untuk meningkatkan perolehan pengumpulan dana zakatnya. Proses reorganisasi BAZNAS Kabupaten Banyumas telah merampingkan pimpinan BAZNAS menjadi lima orang saja. Hasil penelitian menunjukkan, fungsi-fungsi manajemen telah diterapkan BAZNAS dalam pengelolaan zakat, infaq, dan shadaqah di Kabupaten Banyumas. Proses perencanaan melalui 3 (tiga) langkah, yaitu: menentukan target pengumpulan zakat, infaq, dan shadaqah; menentukan besarnya penyaluran zakat, infaq, dan shadaqah untuk ditasarufkan pada setiap program BAZNAS. Pelaksanaan fungsi pengorganisasian tampak pada struktur organisasi BAZNAS yang menggambarkan pengelompokkan kegiatan sehingga kegiatan yang sejenis dan saling berhubungan dapat dikerjakan bersama. Kepemimpinan pimpinan BAZNAS yang mengarahkan segenap SDMnya melaksanakan program dan kegiatan untuk mewujudakan tujuan BAZNAS merupakan bentuk pelaksanaan fungsi pengarahan. Mekanisme pengawasan dilaksanakan secara internal dan eksternal. Tingkat pendidikan dan pengalaman SDM BAZNAS menjadi faktor pendukung dalam proses perencanaan, fungsi pengorganisasian, pengarahan (actuating), serta memudahkan pengawasan dan koordinasi oleh pimpinan BAZNAS. Jumlah SDM BAZNAS Kabupaten Banyumas yang hanya 21 orang menjadi faktor penghambat ketika dikaitkan dengan luas wilayah Kabupaten Banyumas. Selain itu, jumlah mustahiq yang lebih besar dibandingkan dengan muzakki, kesadaran berzakat masyarakat masih rendah sehingga inisiatif membayar zakat masih rendah, serta sistem manajemen baik secara IT maupun manual yang belum memadai, merupakan faktor penghambat penerapan fungsi-fungsi manajemen, khususnya fungsi pengorganisasian dan pengarahan.
ANALISIS SWOT PASAR MODAL SYARIAH SEBAGAI SUMBER PEMBIAYAAN DI INDONESIA Basrowi Basrowi; Pertiwi Utami; Erike Anggraeni; Muhammad Nasor
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.576 KB) | DOI: 10.24090/ej.v8i2.3957

Abstract

The purpose of this study is to provide a literature review of the problems currently faced by Islamic Capital Markets, given that Islamic capital market products have not been used significantly as a source of financing outside of Islamic Banks. Whereas the opportunity as an alternative source of funding is quite large, especially because of the potential of the majority of Indonesian Muslims. The method used in this study is the literature method based on the most up-to-date reading sources from books and journals. Data analysis methods used are SWOT analysis so that it is expected to find the right strategic solution for using the Islamic capital market as a source of financing outside the bank. The results of the analysis indicate that the use of Islamic capital market products has a positive force by continuously maintaining its existence. Its superiority is influenced by its activities which avoid Maghrib (Maysir, haram, usury and gharar). The impact is very significant on environmental empowerment or 'green economy' because it indirectly prohibits the practice of destroying natural resources for stakeholder actors. The disadvantage is the large number of human resources in the Islamic Capital Market who are unable to use sophisticated technology appropriately and optimally. Opportunities come from technological developments and increasing public financial literacy on the Islamic capital market. The obstacle is that there is a high risk due to external factors, namely political, economic, socio-cultural changes that must be watched because there is always no certainty about it.
ANALISIS SISTEM DAN METODE PENGUMPULAN ZAKAT PENGHASILAN APARATUR SIPIL NEGARA PADA BAZNAS BANYUMAS Pratiwi Yustisia
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 1 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (520.637 KB)

Abstract

BPS data on March 2019 shows that poor people in Indonesia reached 25,14 million. It means that there are so many Indonesian people still have not got a decent life both economically and socially. Indonesia is the country with the largest Muslim population, so one of the solutions to overcome the poverty is to encourage zakat intensively. Since 2018, Indonesian government planned to issue the presidential decree about the income zakat collection of 2,5 percent for muslim civil servants. In Banyumas, this regulation has been applied since August 2018, after the circular letter No.159/BP.BAZNASBMS/VII/2018 released on July 9th 2018 from BAZNAS Banyumas that contains an appeal for civil servants to pay zakat when their income has reached a certain nishab according to the Decision of Head of BAZNAS No. KEP.016/BP/BAZNAS/ XII/2015. In that decision stated that the value of nishab income is considered the same with the agricultural yields that has a three months farming period so the value of nishab is divided by three. That statement is not in line with MUI Fatwa No.3 of 2003 which is using gold nishab. Moreover, that Decision has been updated into Decision of Head of BAZNAS No. 73 of 2017 that set the value of nishab equals to 85 grams of gold, so the Decision of Head of BAZNAS No. KEP.016/BP/BAZNAS/XII/2015 was revoked and no longer enforceable. The study aims to analyze the nishab rules of zakat which is used and understood by MUI, regional governments, BAZNAS, UPZ, and civil servants and also to understand the application of the 8th Zakah Core Principles about Good Amil Governance. This research used qualitative method to analyze further about system and method of income zakat collection that applied to zakat payers in Banyumas Regency. The results showed the inconsistency between the established Baznas Banyumas rules with both Central Baznas rules and MUI Fatwa, and Baznas Banyumas just relies on the Regulation of Minister of Religious Affairs. This appeal must be reviewed immediately with Central BAZNAS and MUI and then informed to all related parties so that they have sharia-compliant understanding about zakat.
IMPLEMENTASI THEORY OF PLANNED BEHAVIOR (TPB) PADA PENGUKURAN PERSEPSI PENDAPATAN BUNGA BANK KONVENSIONAL Liana Dewi; Puji Lestari
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 2 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (636.678 KB) | DOI: 10.24090/ej.v8i2.3970

Abstract

Knowledge about illegitimate of usury is growing rapidly in the community. Based on this knowledge, the community is motivated to make various efforts in avoiding usury, one of which is to avoid receiving bank interest from the deposit of funds in the bank. This research aims to study the factors that influence people's intentions and actions in avoiding bank interest income by using Theory of Planned Behavior (TPB) as a theoretical basis. The sample in this study amounted to 55 respondents who came from the usury-free community. Data was collected through a questionnaire consisting of 20 statements and analyzed with the Structural Equation Model (SEM). The test results state that attitudes negatively affect individual intentions to avoid bank interest income while subjective norms have the opposite effect, the similarity of the two is a less powerful effect. Perceived behavioral control has a positive and strong influence on intentions, as well as intentions that influence individual avoidance of bank interest income.
Pengaruh Perbandingan Komposisi Pembiayaan Bagi Hasil, Murabahah, dan Ijarah Terhadap Kinerja Lembaga keuangan Syariah Riztina Dwi Setyasih
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 1 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (394.979 KB)

Abstract

The tittle of this research is the effect of Yield financing composition, Murabahah, and Ijarah towards Sharia financial institutions performance. The purpose of this research is to test the effect of the composition of financing for the outcome, Murabahah, and Ijarah on the performance of sharia Bank and sharia business Unit. Financial performance is viewed based on Return On Asset (ROA) percentages. This research is a quantitative study using secondary data. The population in this study amounted to 14 for sharia banks and 20 Sharia business units. Sampling techniques in this study using purposive sampling so that the samples obtained as many as 8 Sharia banks and 6 Sharia business units. The period of research is quarterly for a period of 2 years so that the total amount of data is 64 sharia Bank and 48 Syariah business units. The data analysis technique used is a double linear regression analysis. The results of this test showed that a variable of financing composition for the outcome significantly negative impact on the financial performance of Sharia General Bank (BUS). The composition of murabahah financing has a significant positive impact on the financial performance of Syariah General Bank (BUS). The composition of financing Ijarah has a significant positive impact on the financial performance of Syariah General Bank (BUS). The composition of financing for the results has a significant positive impact on the financial performance of Syariah business units (UUS). The composition of murabahah financing has significant positive impact on the financial performance of Sharia Business Unit (UUS). The composition of financing Ijarah has significant negative impact on the financial performance of Syariah business Unit (UUS). And the composition of Sharia Business Unit financing is better than Sharia Commercial Banks
Consumption of Halal-Certified Products among Russian Consumers: an Empirical Investigation Nariman Shamakov; Nur Asnawi
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 1 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (754.265 KB)

Abstract

This research study investigates the determinants of consumer intentions to buy products that have been halal certified in the context of the Muslim minority market, namely Russia. In this study, researchers sought to overcome gaps in the literature relating to consumer purchase intentions of halal certified products for Russian consumers. Russian consumers are having a large market but the majority are non-Muslim consumers so halal products must have Halal certification to ensure safety, quality and clarity for consumption. By utilizing the theory of planned behavior, this study aims to determine halal awareness, halal certification / logo, halal marketing, halal habits, halal knowledge, religious beliefs on Russian consumers' intention to buy halal certified products. It also seeks to identify the strongest factors also affecting intention to purchase halal food by Russian consumers. From a sample of 216 Russian consumers in the Tyumen Region, 204 questionnaires were found to be eligible for analysis. Data is collected through self-administered questionnaires. Multiple linear regression analysis is used to identify the relationships between the variables identified and to test the research hypotheses. The findings of this study indicate that the intention of Russian consumers to buy halal certified products is influenced by consumer knowledge about halal products and the encouragement of religious beliefs. Interestingly it was found that religious beliefs became the most dominant variable as a determinant of Russian consumer purchase intentions for halal-certified products.
PENGARUH PROGRAM KELOMPOK USAHA BERSAMA (KUBE) DAN PERAN PENDAMPING TERHADAP ETOS KERJA DAN PRODUKTIVITAS MASYARAKAT PERSPEKTIF EKONOMI ISLAM (Studi di Kecamatan Sumberejo Kabupaten Tanggamus) Restu Danang Andhardianto
el-Jizya : Jurnal Ekonomi Islam Vol 8 No 1 (2020): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (429.397 KB)

Abstract

Kualitas sumber daya manusia menjadi hal utama bagi Indonesia agar mampu menghadapi tantangan globalisasi seperti saat ini, khususnya masalah etos kerja dan produktivitas. Melalui Program Kelompok Usaha Bersama (KUBE) diharapkan dapat menumbuhkembangkan produktivitas dan etos kerja masyarakat, sehingga Indonesia mampu menghadapi tantangan tersebut. Penelitian ini dilakukan bertujuan untuk menganalisis pengaruh program KUBE dan peran pendamping terhadap etos kerja dan produktivitas masyarakat, baik secara parsial maupun simultan. Penelitian ini menggunakan jenis penelitian lapangan dengan pendekatan kuantitatif dan bersifat deskriptif korelasional. Pengumpulan data menggunakan kuesioner. Pengisian kuesioner dilakukan secara self administered questionare yaitu responden menjawab sendiri kuesioner yang telah dibuat peneliti. Pengujian hipotesis dilakukan dengan pendekatan Structural Equation Model (SEM) berbasis Partial Least Square (PLS) dengan menggunakan aplikasi SmartPLS versi 2.0. Hasil penelitian menunjukkan nilai t tabel X1 terhadap Y1 pada tingkat signifikansi 0,05 adalah ±1,96 sehingga t thitung (3,230270) > t tabel (1,96­), nilai t tabel X1 terhadap Y2 pada tingkat signifikansi 0,05 adalah ±1,96 sehingga t thitung (21,650025) > t tabel (1,96­), nilai t tabel X2 terhadap Y1 pada tingkat signifikansi 0,05 adalah ±1,96 sehingga t thitung (4,748001) > t tabel (1,96­), dan nilai t tabel X2 terhadap Y2 pada tingkat signifikansi 0,05 adalah ±1,96 sehingga t thitung (13,768009) > t tabel (1,96­). Sehingga secara parsial program KUBE dan peran pendamping berpengaruh terhadap etos kerja dan produktivitas masyarakat secara signifikan. Pada hubungan X1 dan X2 terhadap Y1, nilai F hitung yang diperoleh adalah 62,623, nilai F tabel pada tingkat signifikansi 0,05 adalah ±3,046 sehingga F hitung (62,623) > F tabel (3,046) dan pada hubungan X1 dan X2 terhadap Y2, nilai F hitung yang diperoleh adalah 36,539, nilai F tabel pada tingkat signifikansi 0,05 adalah ±3,046 sehingga F hitung (36,539) > F tabel (3,046). Sehingga secara simultan program KUBE dan peran pendamping secara bersama-sama berpengaruh terhadap etos kerja dan produktivitas masyarakat secara signifikan.

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