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Khabib Solihin
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Journal of Indonesian Sharia Economics
Published by Institut Pesantren Mathali'ul Falah
ISSN : 29623812     EISSN : 28291719     DOI : https://doi.org/10.35878/jiose
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Indonesian Sharia Economics merupakan jurnal ilmiah yang dikelola oleh Fakultas Syariah & Ekonomi Islam Institut Pesantren Mathaliul Falah Pati. Jurnal yang terbit dua kali dalam setahun Maret dan September ini didedikasikan untuk publikasi hasil penelitian dan kajian tentang Ekonomi Islam. Journal of Indonesian Sharia Economics menjadi sarana diseminasi hasil penelitian dan kajian yang berkualitas tentang Ekonomi & Bisnis Syariah dengan sub tema pembahasan seputar Perbankan Syariah, Filantropi Islam, Keuangan Syariah, Akuntansi Syariah, Pemasaran Syariah, dan Manajemen Syariah. Naskah yang diterima sangat terbuka bagi kajian multidispliner terhadap ekonomi syariah sesuai perkembangan zaman.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 7 Documents
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Search results for , issue "Vol 2 No 2 (2023): September 2023" : 7 Documents clear
Layanan Bank Syariah Berbasis Multikultural Ami'in, Siti Nur; Janah, Tutik Nurul
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.704

Abstract

This study aims to reveal how multicultural-based services exist in PT. BPRS Artha Mas Abadi, and aims to prove that Islamic bank services are for all people and are universal. This study uses descriptive-qualitative, and data obtained from direct interviews with one of the executive officers at PT BPR Syariah Artha Mas Abadi and other sources which are collected and analyzed descriptively. This study shows that PT BPR Syariah Artha Mas Abadi's customers come from diverse communities. Evidence that Islamic bank services at PT BPR Syariah Artha Mas Abadi are multicultural-based services that do not discriminate between religion, ethnicity and culture as well as the professional background of its customers is that it has 52 non-Muslim savings customers and 10,918 Muslims with a customer background who come from various tribes and cultures as well as diverse customer professions. As for financing services, PT BPRS Artha Mas Abadi has 18 non-Muslim customers and 1,362 Muslim customers. This study suggests the need for a more massive role of the government and sharia banking practitioners to increase literacy and education to all people, both Muslim and non-Muslim, about sharia bank services.
Peran Kopontren dalam Meningkatkan Kompetensi Wirausaha Santri Hakim, Muhammad Arif; Lailiyyah, Hurrotul; Widayanti, Yuyun
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.895

Abstract

This study aims to identify the progress of cooperatives located in At-Taslim Islamic Boarding School, Bintoro Village, Demak District, Demak Regency. Entrepreneurial activities carried out within the framework of Kopontren, as well as the role of Kopontren At-Taslim in improving the entrepreneurial skills of students are interesting findings. This research was conducted using field research methods and using a qualitative descriptive approach. Data were collected through interviews, observations, and documentation involving informants related to the research issue. The results of this study noted that entrepreneurial activities carried out in the At-Taslim Kopontren environment include the At-Taslim Kopontren business unit in Bintoro Village, the "Mu'awanah" wood business unit in Karang Mlati Village, and the Refillable Drinking Water Depot (DAMIU QIYA) business unit in Wonosalam Village. The role of Kopontren At-Taslim in improving the entrepreneurial competence of students is able to train the entrepreneurial ability of students to be skilled and contribute both to themselves and in the entrepreneurial environment at Kopontren At-Taslim.
Shulhu Concept Analysis for Appropriate Product Dispute Resolution in Sharia Financing Lubis, Rahmat Husein; Aprilia, Vera
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.897

Abstract

This study focuses on how the pattern of sharia economic dispute resolution that occurs in the right sharia financing products BTPN Syariah MMS Siabu. Researchers want to examine how the pattern of dispute resolution can be resolved. The researcher wants to examine the factors that cause the dispute and analyze it with the shulh concept in the Compilation of Sharia Economic Law at the research locus. This research is qualitative research where the type of empirical legal research. The data analysis technique in this research, namely by collecting data, then directing the data, then it will be presented in the form of a narrative conclusion. The conclusion from this study is that the factors that cause this dispute occur because when providing data on prospective customers there is no transparency, dishonesty of information, then problems with economic conditions, and the circumstances of the customer's family are appropriate for the sharia financing. Then for the pattern that is the right product for Islamic financing in a non-litigation way, namely with a warning system, withdrawing deposit funds, account officers going to the floor, and follow-up analysis. Whereas the method of settlement pattern for BTPN Syariah MMS Siabu's sharia financing products is by the principle of shulh murabaha in the Compliance for Sharia Economic Law, which gives a message of peace by the principles of Islamic teachings if there is a dispute it must be amicable.
Strategi Eksekusi Pembiayaan sebagai Upaya Penyelesaian Pembiayaan Bermasalah di Bank Syariah Susiana, Angella Diana Andi
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.898

Abstract

This research is a qualitative descriptive research that examines financing execution strategies as an effort to resolve problematic financing in Islamic Banks. The results showed that financing execution is one of the important strategies in resolving problematic financing. This strategy is used to complete the financing of debtors who are no longer prospective. The results of this study show that there are five types of forms of financing execution strategies, namely 1). Business liquidation, namely settlement by selling merchandise stocks, production facilities, even business premises, guarantees and others. 2). Refereeing through BASYARNAS, which is an effort to settle or sell financing guarantees through deliberation with the referee (arbitrate) to obtain a decision, and will be registered with the court for implementation. 3). Parate execution, namely the sale/delivery of financing guarantees made by customers voluntarily to the Bank. 4). Collection agent, the process of collecting payment repayment through a third party, whether it is an individual or an institution. 5). Litigation, the process of forcibly taking over collateral through a court suit.
Risk and Return Money Saving di Reksadana dan Bank Digital Pradini, Anez Yuniar
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.899

Abstract

In the era of the industrial revolution 4.0, as it is now, digitizing the banking and financial sector is important, considering that technological disruption has touched almost all aspects of life. In the world of investment and banking, the system used is already digital-based. The financial literacy level of the Indonesian people in 2022 will increase to 49.68%. This means that people are now smarter when it comes to choosing the financial products they will use. Currently, many financial institutions offer the advantages of each product by offering quite competitive returns. As an effort to increase public literacy, this study intends to compare the two financial products, namely mutual funds in seed applications and financial products at Bank Neo Commerce (BNC). The methodology used in this research is descriptive qualitative. The results of this study state that mutual funds and money savings at BNC both have advantages in terms of features and convenience. However, both have differences in the returns offered and the risks borne. Where digital banks offer greater returns with a lower level of risk. Interestingly, investment activities have the concept of compounding interest which has the possibility of obtaining much greater returns on the condition that the investment period is extended.
Industri Farmasi dalam Kajian Produk Halal: Pendekatan Systematic Literature Review Hakim, Ummu Habibah; Anggraeni, Fani
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.901

Abstract

The halal industry is not only focused on the halal food sector, but has also developed into other sectors, including the pharmaceutical industry. This is supported by an increasing in the market share of halal medicines and the high interest of the Muslim community in using halal medicines. However, this increase in public interest and demand is not comparable to the availability of halal pharmaceuticals in Indonesia. This article will analyze how halal standardization is applied to products in the pharmaceutical industry. This study was designed using the Systematic Literature Review (SLR) method for browsing previous research that published within the 2013-2023 timeframe. The results showed that a product can be considered halal if it can be proven to be free from the critical point of drug halalness and meets the requirements in the halal assurance system (HAS) 23000. Among the obstacles in its implementation are a lot of use of imported raw materials that are not guaranteed to be halal, the complexity of the halal certification process in the pharmaceutical industry and the human resource factor.
Peluang dan Tantangan Pemberlakuan Undang-Undang No. 23 Pasal 22 Tahun 2011 Tentang Zakat Sebagai Pengurang Pajak Penghasilan Maulida, Minati; Ulfah, Aulia
JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35878/jiose.v2i2.903

Abstract

The obligation to pay zakat and the obligation to pay taxes for Muslims causes double charges or double burdens so that it will make it difficult for property owners and cause counterproductive effects. As a solution so that zakat must not be exposed to a double burden, the government issued a regulation, namely Law Number 23 of 2011 article 22 concerning zakat as a deduction from income tax. The purpose of this study is as one of the socialization efforts to muzakki on zakat as an income tax deduction and provide a positive perception of zakat and tax management. The methods used are qualitative approaches with the type of field research (field research) and data analysis using qualitative descriptive methods. From the results of research and analysis on zakat regulations as income tax deductions cannot be implemented, because there is no cooperation between BAZNAS and Primary Tax even though there is clearly a law regulating it. The lack of socialization carried out by BAZNAS makes the muzakki unaware of the law on zakat as an income tax deduction and there are still many muzakki handing over their zakat directly to those who are entitled to receive it because the reach is easier.

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