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Al-Tijary : Jurnal Ekonomi dan Bisnis Islam

altijary
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Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

ISSN : 24609404 EISSN : 24609412 DOI : https://doi.org/10.21093/at.v7i2.3662

Core Subject : Economy,

Economics, Econometrics & Finance

Al-Tijary : Jurnal Ekonomi dan Bisnis Islam encompasses research articles, original research report, reviews, and scientific commentaries in the field of economics and islamic business, including:Islamic Economics, Islamic Business, Islamic banking, Islamic capital markets, Islamic wealth management, Issues on shariah implementation/practices of Islamic banking, Zakat and awqaf, Takaful, Islamic Corporate Finance, Shariah-compliant risk management, Islamic derivatives, Issues of Shari`ah Supervisory Boards, Islamic business ethics, Islamic Accounting, Islamic Auditing.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 126 Documents

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EFFECT OF ZAKAT, INFAK AND SEDEKAH (ZIS), INDEX HUMAN DEVELOPMENT (HDI) AND UNEMPLOYMENT ON INDONESIAN ECONOMIC GROWTH AT 2013-2017 Agus Arwani; Anis Wahdati
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Islamic view that growth in the economy is not only oriented to create accretion of single production but indicated the basis of the fairness of distribution, one of them with equal distribution of income that did not create a gap between the rich and the poor. In its development, many factors influence the economic growth, Including Zakat Infak and Sedekah (ZIS), Human Development Index, and Unemployment rate. The research type is explanatory with a quantitative approach. The type of data used is secondary data and Analysed using multiple linear regression by using Software Eviews 10. The results of the study have demonstrated that Zakat Infak and Sedekah (ZIS) and the Human Development Index (HUMAN DEVELOPMENT INDEX) influence positively and significantly on Indonesia's economic growth in 2013-2017. While unemployment did not affect. Based on the F-test, variable Zakat Infak and Sedekah (ZIS), the Human Development Index (HUMAN DEVELOPMENT INDEX), and unemployment simultaneously affected the Indonesia’s Economic growth . The magnitude of the effect of independent variables on the dependent variable amounted to 41.1%, while 58.9% are influenced by variables other research.

Implementasi Akad Pembiayaan Qard dan Wakalah bil Ujrah pada Platform Fintech Lending Syariah ditinjau Berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) dan Fatwa DSN-MUI Sri Maulida; Ahmadi Hasan; Masyitah Umar
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

The purpose of this research is to analyze the implementation of Qard and Wakalah bil Ujrah financing contract for Sharia Lending Platform reviewed based on regulation of Otoritas Jasa Keuangan (OJK) and Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). The method of approach used in this research is a method of empirical approach that is legal research on the enforcement or implementation of normative provisions in action at any particular legal event occurring in the community. The results showed that the information system with Sharia invoice financing used by sharia Investree Platform is according to review based on regulation of OJK No. 77/POJK.01/2016 in chapter IV of article 19 of the financing agreement on lending services based on information technology with Lenders. Secondly, the implementation of Akad Al qordh used by Sharia Investree Platform has been reviewed according to the Fatwa DSN MUI No. 19/DSN-MUI/IV/2001 on Al-Qardh. Thirdly, the implementation of Akad Wakalah bil Ujrah used by Sharia Investree Platform has been reviewed according to Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Akad Wakalah Bi Al-Ujrah which is devoted to the Fatwa DSN-MUI No. 67/DSN-MUI/III/2008 on Islamic debt factoring. Fourth, the classification of QARDH and Wakalah bil Ujrah that used by the sharia Investree Platform is using a factoring financing model reviewed by the Fatwa DSN-MUI No. 117/DSN-MUI/II/2018 on information technology-based financing services based on Islamic principles.

Perkembangan Sektor Keuangan Islam dan Pertumbuhan Ekonomi: Studi Empiris Negara OKI Cupian Cupian; Arie Febriansyah; Alfiah Hasanah
Al-Tijary Vol 6 No 1 (2020): AL-TIJARY VOL. 6, NO. 1, DESEMBER 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study explores the effect of the development of Islamic Financial sectors toward the economic growth of ten Islamic countries based on the Global Islamic Economy Indicator (GIEI) from 2014 to 2018. The Islamic financial sectors consist of issuing covering finance represented by the value of Islamic funds and the value of outstanding Sukuk. The governance factor is represented by the number of Islamic finance regulations and the number of Islamic finance scholars. The awareness is represented by some institution education about Islamic Finance and several news/articles about Islamic finance. The Islamic social fund is represented by the fund of Zakat and Charities, and the fund of Corporate Social Responsibility (CSR). This research use panel data and a random effect for analyses. The result shows that three variables positively contribute to economic growth; the value of outstanding Sukuks, the number of Islamic finance regulations, and the number of Islamic educations about Islamic finance. Meanwhile, the number of Islamic finance regulations, the number of Islamic finance scholars, the number of news/articles, the value of zakat and charity, and the CSR scores index do not significantly contribute to the economic growth of ten Islamic countries.

Analisis Pengaruh Faktor Eksternal dan Internal Terhadap Tingkat Permintaan Sukuk Ritel SR008 Cupian Anzal; Muhammad Ikhwan Al Ayyubi; Alfiah Hasanah
Al-Tijary AL-TIJARY VOL. 7, NO. 1, DESEMBER 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Sukuk Retail SR008 was issued in 2016 as one of instrument to finance government deficit in spending . Sukuk Retail SR008 reported to have the largest number of investors and total issuance in the history of retail sukuk in Indonesia. This study investigates the effect of internal and external variables on the trading volume of retail sukuk SR008 in the short and long term. Using a montly data from June 2016 to February 2019 and use the Vector Error Correction Model (VECM), the independent variables used in this study are, retail sukuk SR008 price and yield, ORI013 retail bond price, mudhorabah profit sharing for one month, and GDP level. The results show that price sukuk retail SR008, yield sukuk retail SR008 and PDB have a positive and significant effect on the trading volume of retail sukuk SR008 in the longrun however variable share rate of mudhorabah one-month and price bond retail ORI013 have negative effect . In the short run, all independent variables have no significant effect on the retail sukuk SR008 trading volume.

Analisis Pengaruh Zakat dan Infak Terhadap Tingkat Kedalaman Kemiskinan, Keparahan Kemiskinan dan Gini Rasio di Indonesia Tahun 2007-2018 Aminullah Achmad Muttaqin; Anis Safitri
Al-Tijary Vol 6 No 1 (2020): AL-TIJARY VOL. 6, NO. 1, DESEMBER 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Poverty in Indonesia has decreased in recent years, though slowing. Besides that, zakat and infaq have increased from year to year. Based on this phenomenon, this study aims to determine the effect of zakat and infaq on poverty and income disparities in Indonesia. The method used is a quantitative approach with descriptive and inferential analysis (multiple linear regression analysis). The data used are secondary data with zakat, infaq, poverty gap index, poverty severity index, and gini coefficient (gini ratio). The results of T test and F test shows the value of sig. 0,00 less than 0,05. Overall, zakat and infaq have a significant effect on the poverty gap, poverty severity and gini ratio. While partially, zakat and infaq also have a significant effect on the poverty gap, poverty severity and gini ratio. Zakat has a negative relationship to the poverty gap and poverty severity, while infaq has a negative relationship to the gini ratio.

Modeling of Jakarta Islamic Index Stock Volatility Return Pattern with Garch Model Faizul Mubarok; Muhammad Faturrahman Aria Bisma
Al-Tijary Vol 6 No 1 (2020): AL-TIJARY VOL. 6, NO. 1, DESEMBER 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Along with the large number of investors transacting on Islamic stocks, the movement of stock prices becomes more volatile. The purpose of this research is to examine the behavior of volatility patterns in shares incorporated in the Jakarta Islamic Index using the Generalized Autoregressive Conditional Heteroskedasticity (GARCH) model. This study uses daily data from six stocks contained in the Jakarta Islamic Index during the period January 1, 2009, to December 31, 2019. Data volatility is seen using the GARCH model. Estimation results for daily data show that the volatility of ASII, SMGR, TLKM, UNTR, and UNVR shares is influenced by the error and return volatility of the previous day. This is indicated by the GARCH effect on each regression result. The results of the study are beneficial for an investor, and if you want to invest with a low level of risk, you can choose TLKM shares. But if you're going to get a high level of return, you can invest in UNTR shares. For securities analysis, you can use the GARCH model that has been tested to predict volatility in the Jakarta Islamic Index.

Factors Influence Financial Sustainability Banking In Indonesia Arini Mar'ah Sholikah; Titis Miranti
Al-Tijary Vol 6 No 1 (2020): AL-TIJARY VOL. 6, NO. 1, DESEMBER 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This research aims to determine the factors that affect the financial sustainability of conventional banks and sharia banks in Indonesia. Data obtained from the financial statements of conventional commercial banks and Islamic commercial banks have been published by the Financial Services Authority (OJK) for the period 2014 to 2018. The total population used in this study are all conventional and Sharia banks that publish their financial statements on the OJK. The research variables used include Financial Self Sufficiency (FSS) as the dependent variable. Return on assets (ROA), Cash to deposits (CTD), Loans to assets (LTA), Deposits to assets (DTA) as independent variables. The analysis used is the tree classification. The tree classification method requires the dependent variable in the form of categorical data. Processing results show that three financial performance factors affect financial sustainability, namely ROA, LTA, and DTA. Error in the analysis process is 29%. So that the accuracy of using the tree classification method in predicting the factors that affect banking financial sustainability is 71%.

Analisis Efektivitas Distribusi Zakat pada Baitulmal Bank Syariah Indonesia Akhmad Arif Rifan; Rofiul Wahyudi; Oril Presti Nurani
Al-Tijary Vol 6 No 1 (2020): AL-TIJARY VOL. 6, NO. 1, DESEMBER 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

The Zakat Management Organization is a non-profit organization that is expected to be managed to provide more comprehensive benefits to the community, one of which is Baitulmaal, which is managed by a sharia bank. This study aims to analyze the effectiveness of the distribution of zakat in baitulmaal Indonesian Islamic banks. The research method uses a quantitative approach with a descriptive design. The population of this research is all Baitulmal Islamic banks in Indonesia. The sample selection in this study used purposive sampling with the following criteria: limited to Baitulmal Islamic banks, including in the category of book banks 3 & 4, have published financial data, do not include other Baitulmal institutions or government national zakat institutions. Based on the criteria, the samples selected according to the requirements are Baitul Maal Muamalat (BMM) Bank Muamalat Indonesia, BSM Umat, BRI Baitul Maal Foundation (YBM), Hasanah Titik Foundation (YHT) BNI Syariah. Measurement of Baitulmal Islamic banks' effectiveness on the dimensions of the intermediation function in the Zakat Core Principle (ZCP) Model. This study's findings indicate that in 2016 the level of effectiveness was in the fairly significant category. Meanwhile, 2017 and 2018 showed an increase in the significant type. The effectiveness of baitulmaal during this research period indicates the importance of management to improve performance so that zakat funds can be more targeted and useful

Faktor Kesuksesan Pengusaha UMKM Wanita Muslim Pengguna Kanal Digital Fenty Fauziah; Azhar Latief
Al-Tijary AL-TIJARY VOL. 6, NO. 2, JUNI 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

The surefire way to achieve prosperity is entrepreneurship. In the digital era, there are almost no obstacles to starting a business. The only capital is creativity and courage. Anyone can open an online store, without having to open a physical store first, including women. Women business actors are identical to Micro, Small, and Medium Enterprises (MSMEs). Indonesia and Malaysia are countries that have a majority Muslim population. For a Muslim woman, success can be seen when she manages to build a sakinah family. Women's digital entrepreneurship offers flexibility between work and household matters. This study aims to analyze the important factors that help explain the success of Muslim women MSME entrepreneurs who use digital channels in marketing their products. The study was applied through a descriptive-qualitative approach, where the data were primary-based. The objectivity was applied to 103 informants obtained from several MSME communities randomly from Indonesia and Malaysia. We find that social capital is a relevant factor for entrepreneurial success among Muslim women MSME entrepreneurs, the form of social capital is the number of children. This finding supports the idea that Muslim women entrepreneurs who have fewer children tend to spend more time on their business than Muslim women entrepreneurs who have more children. Financial capital projected by income growth also affects success, although income growth is on a small scale. Self-efficacy due to internal factors originating from within MSME female entrepreneurs such as self-confidence and tenacity, they are successful in their business. Religiosity has a significant effect on the success of a Muslim woman entrepreneur.

Antecedents of Saving Decision at Sharia Banks: Islamic Financial Literacy, Religiosity and Service Quality (Studies on Millennial Generation) Dhepril Puradi Rachmatulloh; Nihayatu Aslamatis Solekah
Al-Tijary AL-TIJARY VOL. 6, NO. 2, JUNI 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This article describes the antecedents of saving decisions in Islamic banks which are influenced by knowledge of Islamic finance, understanding of religiosity and service quality. The purpose of this study is to determine the behavior of the Indonesian millennial generation with Islamic financial literacy variables, religiosity and service quality towards the decision to save in Islamic banks. This research is quantitative research by using online questionnaires to respondents who are qualified as millennial generation or their birth years are from 1980 to 1999. The sample used is 170 respondents from the Indonesian millennial generation. The analysis in this research used multiple linear regressions. The results of this study indicated that the Islamic financial literacy variable and service quality had a significant effect on saving decisions. Meanwhile, the religiosity variable did not significantly influence the decision to save. It showed that the millennial generations’ decision to save at Islamic banks has shown their rationality in behavior in the way of increasing financial literacy and choosing good service quality. Meanwhile, their high level of religiosity did not necessarily affect their decision to save at the Islamic Bank.

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Fitria Rahmah

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Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

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Kalimantan timur

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Fitria Rahmah

Contact Email redaksi.altijary@gmail.com

Phone +6285643313654

Journal Mail Official redaksi.altijary@gmail.com

Editorial Address Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location Kota samarinda, Kalimantan timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Fitria Rahmah

Contact Email
redaksi.altijary@gmail.com

Phone
+6285643313654

Journal Mail Official
redaksi.altijary@gmail.com

Editorial Address
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location
Kota samarinda,

Kalimantan timur

INDONESIA