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Iqtisadie: Journal of Islamic Banking and Shariah Economy
Published by Sekolah Tinggi Agama Islam Al Fithrah
ISSN : -     EISSN : 28074157     DOI : https://doi.org/10.36781/iqtisadie
Core Subject : Economy,
Economics, Econometrics & Finance
that Journal is published twice a year every March and September. This journal contains studies on bank and non-bank Islamic financial institutions and Islamic economics. This journal can be accessed openly which means that all the content available is freely accessible at no cost, either to the user or to the institution. Users are permitted to read, download, copy, distribute, print, search, or cite the full text of the articles without having to seek prior permission from the publisher or author.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 60 Documents
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Implementasi Akad Wadi’ah Sebagai Perwakilan Agensi Produk Simpanan Pada BPRS Bhakti Sumekar Sumenep Riskiyah Riskiyah; Sudianto Sudianto
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 1 (2023): Maret 2023
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i1.386

Abstract

Basically Wadi'ah yad dhamanah'ah at the bank of the company, can manage the money. Wadi’ah yad dhamanah at BPRS Bhakti Sumekar Sumenep manages the savings money from that story to be used in certain economic activities. One of the benefits of opening Wadi'ah yad dhamanah's savings will be to receive a competitive monthly savings bonus according to BPRS Bhakti Sumekar policy. Where, in this case, making the savings product more profitable than the other banks, so fate would be more profitable if saving in BPRS Bhakti Sumekar Sumenep. The purpose of this research is to find out how the implementation of the Wadi'ah yad dhamanah akad on BPRS Bhakti Sumekar Sumenep, and to find out the leverage factor of the Wadi'ah yad dhamanah akad on BPRS Bhakti Sumekar Sumenep. Research uses descriptive qualitative research using observation methods, interviews and documentation that are then analysed to obtain accurate data or information. This research subject was taken from some active officials in BPRS Bhakti Sumekar Sumenep, for the validity of the research data using triangulation. The result of this research is the implementation of Wadi'ah yad dhamanah at BPRS Bhakti Sumekar Sumenep acting as the manager of the funds and the fortune as the owner of the capital, carrying out business with caution and also wisdom and good faith in running financing and investment that is not contrary to the corporate principle, While the environmental and psychological factors are some of the drivers of the use of Wadi’ah yad dhamanah akad at BPRS Bhakti Sumekar Bank.
Penerapan Akad Murabahah pada Produk Pembiayaan KPR (Studi Kasus Bank BTN Syariah Kcps Pekalongan) Fajar Sodik; Rikhadatun Abir Al Farda; Elisa Ayuni
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 1 (2023): Maret 2023
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i1.388

Abstract

Home is a basic human need. Islamic banking has the option to provide Home Ownership Loans (KPR), namely sharia mortgages from Islamic banks known as Home Ownership Financing (PPR). This study discusses the application of murabahah contracts in mortgage financing at Bank BTN Syariah KCPS Pekalongan. Bank BTN Syariah is a conventional Bank BTN-based business unit that has implemented a murabahah contract in mortgage financing. This study aims to determine the application of the murabahah contract in mortgage financing at Bank BTN Syariah KCPS Pekalongan. This study uses a type of qualitative research in the form of descriptive. The data used are primary data and secondary data. The data in this study were obtained from observations, interviews and documentation. The analysis technique used is an interactive model with the following stages: data reduction, data display and drawing conclusions. The results of this study indicate that the murabahah contract has been implemented properly because the elements of the murabahah contract are in accordance with the fatwa of the national sharia board. Empirically, the implications of the results of this study are expected to be input for Bank BTN Syariah Kcps Pekalongan as consideration for encouraging more sharia mortgage products while making it easier for customers to take sharia mortgages. Another implication of the results of this research is theoretically expected to be able to contribute ideas in the development and improvement of science.
Studi Kelayakan Bisnis Dalam Perspektif Islam Pada UMKM Di Surabaya Rima Oktavia
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 1 (2023): Maret 2023
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i1.389

Abstract

feasibility study is a material for consideration in making a decision, accepting or rejecting a planned business idea. To determine whether or not a business is feasible, it can be seen from various aspects and must have a certain standard of value. This study aims to determine and explain the level of business feasibility of MSMEs on delicious mpok by nasikoe dishes when viewed from the perspective of Islamic economics from marketing and production aspects. To reveal these problems, the author uses a qualitative approach with interview, observation, and documentation techniques in accordance with the problems studied. From the research results show the feasibility level of micro, small and medium enterprises in terms of the perspective of Islamic economics on the aspects of marketing and production. Judging from the marketing aspect of MSMEs, the delicious mpok by nasikoe cuisine is in accordance with a business feasibility study from an Islamic economic perspective, it is in accordance with what it should be. Judging from the aspect of MSME production, the delicious mpok by nasikoe is in accordance with a business feasibility study in terms of an Islamic economic perspective. The MSME business that Yuyun has run in accordance with Islamic production and production theory, when she is about to open a business, Yuyun has done an analysis related to business location, waste disposal, business licenses and sources of raw materials to be used. And Ibu Yuyun has applied values in Islamic production, which are always shiddiq, amanah, fathanah, tabligh, and istiqamah. So Ms. Yuyun's MSME business is in accordance with the marketing aspect and the production aspect is reviewed from an Islamic economic perspective, and the business has implemented a business feasibility study, although not yet in full.    
Strategi Pemasaran Syariah Dalam Meningkatkan Daya Saing UMKM Kerupuk Di Surabaya Tate Agape Bawana
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 1 (2023): Maret 2023
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i1.397

Abstract

Marketing strategy can be seen as one of the basics used in planning a company or factory as a whole. In marketing activities, we often encounter people who cheat and fraud occurs, but if we apply the Islamic system in marketing then things like that will not happen. Basically, for Muslims the Prophet Muhammad SAW has taught us how to use an Islamic marketing system. However, because society has relied on the conventional marketing system, the sharia marketing system is less well known. This study aims to get an overview of the marketing strategy to increase competitiveness, and to find out how effective the implementation of the marketing strategy has been. This type of research is qualitative, this research was carried out in the Kerupuk UMKM, Kenjeran Village. Data collection techniques with documentation and interviews. The results of the analysis of the effectiveness of marketing strategies show an increase in sales from month to month and have experienced a decline in sales, this can be used as a reference for the effectiveness of marketing strategies in competition between cracker factories.
Analisis Minat Nasabah Dalam Memilih Produk Tabungan Simpanan Sukarela (SIRELA) Pada BMT Muamalat Mulia Kudus Niken Putri Isnaini; Tika Isna Febriyanti
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 2 (2023): September 2023
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i2.437

Abstract

This voluntary savings product is a superior product at BMT Maumalat Mulia Kudus. This study aims to analyze customer interest in choosing the Savings Voluntary Savings (Sirela) savings product at BMT Muamalat Mulia Kudus. The method used in this study is a qualitative descriptive method with techniques that focus on analyzing the process of deductive and inductive conclusions and the dynamics of the relationship between observed phenomena. The results of the study show that customer interest in choosing Sirela savings products at BMT Muamalat Mulia Kudus is quite high with the data obtained namely 312 members. Factors that influence customer interest in choosing Sirela savings products are the interest benefits provided, the ease of the account opening process, promotions, and trust in BMT institutions. Meanwhile, the factor that does not influence customer interest in choosing Sirela savings products is the location of the BMT office.
Pengaruh Pemahaman Bertransaksi, Kemudahan, Dan Manfaat Dalam Menggunakan Webform BSI Terhadap Kepuasan Nasabah Di BSI Salma Hasna Nafis; Inka Clarina Melyana
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 2 (2023): September 2023
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i2.439

Abstract

With changes in Bank Syariah Indonesia digital transaction, the mindeset of customers and bank employees needs to be changed to improve themselves in using digital banking facilities, so learning about this requires understanding, convenience, and the benefits of using digital banking in order to create satisfaction in use. This study aims to determine the understanding, convenience, and benefits of using the Webform BSI on customer satisfaction at BSI. This research uses quantitative research method and uses IBM SPSS version 26 as a test tool to assist data processing and data collection. This study uses a sample of FEBI IAIN Kudus 2020-2022 students who have savings at BSI by using an accidental sampling technique, namely a sampling technique where anyone who meets the resercher by chance and can be used as a sample, people who happen to be found are suitable as data source. The results of this study indicate that understanding of transactions using the Webform BSI partically affects customer satisfaction. The ease of using the Webform BSI partically does not affect customer satisfaction. The benefits of using the Webform BSI partically affect customer satisfaction.
Implementasi Etika Bisnis Dan Manajemen Bisnis Islam di Konveksi Duta Collection's Yayasan Darut Taqwa winda Wijiati; Moh. Mukhsinin Syu’aibi; Ifdlolul Maghfur; M. Dayat
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 2 (2023): September 2023
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i2.461

Abstract

This study aims to analyze the practice of Islamic business ethics and business management at the Darut Taqwa Sengonagung konveksi Duta Collection’s Foundation. Darut Taqwa Sengonagung Foundation is a non-profit organization engaged in retail management, especially in the field of uniform collections for students and female students. Against this background, this study examines how Islamic business ethics are applied in the daily operations of Yayasan Darut Taqwa Sengonagung konveksi Duta Collection’s and how Islamic business management principles are used in the process. This study uses a qualitative approach with in-depth interviews and direct observation as a data collection method. The results of the study show that the Darut Taqwa Sengonagung konveksi duta collection’s Foundation applies Islamic business ethical values in its practice. Principles such as honesty, integrity, fairness and social responsibility are the cornerstones of business relationships with customers, suppliers and business partners. In managing the business, the fund uses sharia management principles such as shura (advise), amanah (trust) and ihsan (do good) to make strategic decisions. However, this research also reveals some challenges in implementing Islamic business ethics and business management at the Darut Taqwa Sengonagung Konveksi Duta Collection’s Foundation. Some of these challenges include the difficulty of maintaining a balance between business goals and Islamic values, as well as the limited human resources that understand the concept of business ethics and business management. Muslim business. This study contributes to understanding the practice of Islamic business ethics and business management in the retail sector, particularly in the context of platforms. The results of this study should become a benchmark for similar organizations in applying Islamic business ethics and business management principles to achieve long-term sustainability and profitability.
Peningkatan Inklusi Keuangan Syariah melalui Penyaluran Dana Kepaada UMKM: Studi Kasus Pada BWM Tebuireng Jombang Rosidayanti; Imam Sopingi; Peni Haryanti
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 2 (2023): September 2023
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i2.474

Abstract

The importance of Islamic financial inclusion in supporting inclusive economic growth has become a major concern in recent years. One sector that plays an important role in economic growth is Micro, Small and Medium Enterprises (MSMEs). MSMEs are the backbone of the economy in many countries, including Indonesia. In addition, MSMEs can be a locomotive for the development of Islamic financial inclusion. The purpose of this study is to determine the increase in sharia financial inclusion through the distribution of funds to MSMEs. This research uses qualitative methods with a case study approach according to Robert K. Yin. The data collection techniques used, namely (1) Interviews with managers, supervisors and customers of BWM Tebuireng, (2) Documentation of BWM Tebuireng, (3) Archive records of BWM Tebuireng customer data, (4) Direct observation on MSMEs, (5) Physical devices at BWM Tebuireng, such as handphones and computers, were then analyzed using Ozil's theory related to financial inclusion and compared with several previous studies. The results of this study, namely increasing Islamic financial inclusion carried out by BWM Tebuireng through the distribution of funds to MSMEs have had a good impact on the surrounding community and especially MSME players as well as increasing Islamic financial inclusion.
Pengaruh Gaya Hidup, Pendapatan, dan Religiusitas Terhadap Keputusan Pembelian Di Toko Ama Griya Hijab Sidayu Albar, Kholid
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 2 (2023): September 2023
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i2.480

Abstract

The world fashion industry is currently experiencing rapid development where this industry is being played by companies that are engaged in the world of fashion ranging from fashion companies on a local scale to well-known brand fashion companies. In Indonesia itself, the fashion industry can be said to be quite interesting, this is because many of the Muslim women who become designers, so that producers and consumers in the fashion industry are many of the Muslim women who then they plunge and start this business while carrying out da'wah activities related to the style and dress patterns of a good Muslimah. As the world of fashion develops, women can still look elegant and attractive without having to violate the provisions of shara' which is a requirement as a Muslimah. This study aims to determine the effect of income, lifestyle and religiosity variables simultaneously or partially on purchasing decisions at the ama griya hijab sidayu gresik boutique. This study aims to determine what factors are most dominant in influencing purchasing decisions from income, lifestyle and religiosity variables. Respondents totaled 100 people. Data collection was carried out using a questionnaire instrument. The data analysis technique used is multiple linear regression analysis. The conclusion of this study is that together the independent variables have a positive and significant effect on purchasing decisions.
Evolusi Uang Dalam Perspektif Sejarah dan Al-Qur'an: Analisis Berdasarkan Pemikiran Wahbah Zuhaili Doni Azhar; Elma Pujiana
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 3 No. 2 (2023): September 2023
Publisher : Program Studi Perbankan Syariah Institut Al-Fithrah (IAF) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36781/iqtisadie.v3i2.481

Abstract

Money has evolved significantly from prehistoric times to modern times, serving as the foundation of the human economy and way of life. Historical, Qur'anic and Wahbah Zuhaili perspectives will be examined in this discussion. Evolution took us from a simple barter system to the creation of precious and distinctive coins such as gold and silver. An important role in the economy is played by cash. Money serves as an effective measure of value and medium of exchange, making it easy to compare the prices of various goods and services. Value can be stored and accumulated over time thanks to its wealth storage function. In addition, money serves as a mechanism of exchange that makes ordinary business easier. The role of gold, silver, dinars and dirhams as tools of trade and as units of value is recognized in the Qur'anic perspective. This idea was translated into the contemporary economic context by Wahbah Zuhaili. However, the emergence of paper money and cryptocurrencies prompted new questions about the function of money in the modern era. This research highlights the development and importance of money in human civilization by integrating history, religion and economics. We can understand how money has influenced and still shapes the economy and human existence as a whole by examining the ideas of value, exchange, and the social significance of money. From prehistoric times to the present, money has undergone significant transformations.

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