Journal of Indonesian Sharia Economics
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.
Articles
63 Documents
<![CDATA[Optimalisasi Penyaluran dan Pengawasan Dana Lembaga Pengelola Dana Bergulir kepada Usaha Mikro Kecil dan Menengah melalui Aplikasi Securities Crowdfunding Sharia ]]>
<![CDATA[Shela Nur Afinka]]>;
<![CDATA[Istifaiyatul Awaliyah]]>;
<![CDATA[Adelia Putri Ifosioni]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (270.838 KB)
|
DOI: 10.35878/jiose.v1i2.488
<![CDATA[Micro, Small and Medium Enterprises (UMKM) are one of the fields that make a significant contribution to Indonesia's economic growth, but there are still problems in limited access to productive resources, especially capital. One of the financial institutions that provide financing is the Islamic People's Financing Bank (BPRS), which in its implementation is supervised by the Financial Services Authority (OJK). The government provides funds for Revolving Fund Distribution Institutions (LPDB) to be managed by Sharia People's Financing Banks (BPRS) which will later be distributed to Micro, Small, and Medium Enterprises. This study aims to optimize the distribution and supervision of funds from the Micro, Small and Medium Enterprises Cooperative Revolving Fund Management Institution (LPDB-KUMKM) as a strengthening of Micro, Small and Medium Enterprises based on the application of sharia compliance perspective. The type of research used is the type of research and development or Research and development (R&D). The data collected in this paper are primary and secondary data as well as data analysis using qualitative descriptive methods. Co-Fund Sharia (Securities Crowdfunding Sharia) is an application-based financial technology innovation designed with sharia compliance principles, as a medium to assist the Financial Services Authority (OJK) in supervising the distribution of Revolving Fund Management Institution (LPDB) funds by Sharia People's Financing Banks (BPRS) so that the distribution of these funds can be right on target.]]>
<![CDATA[Implementasi Pembiayaan Salam dan Qardhul Hasan pada Usaha Pertanian Indonesia ]]>
<![CDATA[Aftina Nurul Khusna]]>;
<![CDATA[Puji Lestari]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (203.366 KB)
|
DOI: 10.35878/jiose.v1i2.495
<![CDATA[Indonesia is known as an agricultural country because most of the population works as farmers. The agricultural sector is one of the government's priority agendas out of nine existing agendas, namely realizing economic independence by moving strategic sectors of the domestic economy. However, in its operations, the agricultural sector has various problems, one of which is the problem of different economic conditions and constraints on farmers which results in Indonesia's agricultural potential being underutilized to its full potential. The diversity of financing at Islamic financial institutions can be utilized by farmers or other related parties by using financing that is in accordance with the level of the community's economic condition and the type of use, so that the financing can be targeted and improve the welfare of farmers. This research is a type of descriptive qualitative research that aims to describe the implementation of salam and qardhul hasan financing in an effort to improve the economy of farmers and explore the potential of Indonesian agriculture, as well as how the challenges of implementing this financing for Islamic financial institutions are. This research is based on qualitative research with descriptive analysis methods from various literatures. The results obtained from this study indicate that the implementation of salam and qardhul hasan financing has a positive impact on farmers, namely it can increase farmers' capital so that they can develop their agriculture and improve economic welfare.]]>
<![CDATA[Analisis Persepsi Nasabah terhadap Merger Bank Syariah Indonesia ]]>
<![CDATA[Muarif, Ahmad Dalhar]]>;
<![CDATA[Saifudin, Saifudin]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (233.033 KB)
|
DOI: 10.35878/jiose.v1i2.498
<![CDATA[The announcement of the merger of Bank Syariah Indonesia caused customers to ask questions about various problems that overshadowed it, including problems with the future of the bank, products, services and other facilities. This study was conducted to reveal how the customer's perception of the merger of Indonesian Sharia Banks in Pati Regency with the aim of knowing the customer's perception of the merger of Indonesian Sharia Banks in Pati Regency. This research is a descriptive qualitative research with data taken from questionnaires and interviews. The analysis model uses the Miles and Huberman model with the results that the customer's positive perception of this merger is to support Islamic economic growth in the banking sector, because it is sharia / interest free, there are no service difficulties, states that they remain a customer of Bank Syariah Indonesia and the negative perception of this merger is all offices are located far away and have difficulty in service.]]>
<![CDATA[Strategi Penerapan Konsep Green Economy dan Budaya Cashless Pada Objek Wisata Grand Maerakaca Kota Semarang ]]>
<![CDATA[Sari, Anggita Novita]]>;
<![CDATA[Agustina, Refi]]>;
<![CDATA[Siagian, Puri Ayu Agustina]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (243.269 KB)
|
DOI: 10.35878/jiose.v1i2.499
<![CDATA[Bank Indonesia (BI) launched the National Non-Cash Movement (GNNT) on August 14, 2014 which aims to create a safe, efficient and smooth payment system, which in turn will be able to encourage the national financial system to work effectively and efficiently so as to create an ecosystem. cashless society. Cashless transactions are a form of payment system transformation that has touched various aspects of life, one of which is tourism. The city of Semarang is known as the cleanest tourist destination and is a city that has started implementing a cashless culture in several tourist attractions. However, there are several tourist attractions that still have not implemented the system due to lack of education about the importance of adapting to the times. As experienced by the Grand Maerakaca tourist attraction, which is a business unit owned by PT. PRPP Central Java. The non-enforcement of cashless culture is a problem for Grand Maerakaca tourism objects, especially regarding transparency. Another problem is the prohibition of MSME actors from selling at the Grand Maerakaca tourist attraction for reasons of cleanliness. This study uses a descriptive qualitative approach using primary data (interviews, observations) and secondary data (libraries, documentaries).]]>
<![CDATA[Manajemen Risiko Pembiayaan Murabahah Sertifikasi Guru di Bank Syariah ]]>
<![CDATA[Bella, Yunnafa Salsa]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35878/jiose.v2i1.526
<![CDATA[This study aims to determine the risks that arise in murabahah financing for teacher certification (sergu) and to find out how the risk management for murabahah teacher certification (sergu) is in Islamic banks. The object of this research is PT. BPR Syariah Artha Mas Abadi Waturoyo Margoyoso Pati. This study uses a descriptive qualitative research method with data obtained from observations, interviews, and documentation. The results of this study indicate that in murabahah financing for teacher certification (sergu) there are several risks that may occur, namely the risk of duplicating educator certificates by customers, delays in disbursing certification funds by the government, customers or teachers who make financing being fired from their jobs while the financing process is still ongoing, and customer certification funds are revoked by the government. This research shows that PT. BPR Syariah Artha Mas Abadi implements risk management for murabahah financing for teacher certification (sergu) that is good and in accordance with the provisions, consisting of risk identification, risk measurement, risk monitoring, and risk control.]]>
<![CDATA[Efektivitas Monitoring Sebagai Upaya Meminimalisir Pembiayaan Bermasalah ]]>
<![CDATA[Alfani, Muhammad]]>;
<![CDATA[Solihin, Khabib]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35878/jiose.v2i1.527
<![CDATA[Financing is a productive activity carried out by KSPPS (Shari'ah Savings and Loans Cooperative) by channeling funds to members who apply for financing. With the existence of financing activities, it cannot be separated from the existence of financing risks. Non-performing financing is a fatal risk if ignored. So to minimize the risk of problematic financing KSPPS (Shari'ah Savings and Loans Cooperative) needs to have a specific strategy, one of which is financing monitoring. Related to this, this research was conducted to examine how the effectiveness of monitoring in minimizing problem financing. This research is a qualitative descriptive study with the research object of KSPPS BMT Harber Tanggulasi Jepara. The data obtained through interviews, observation and documentation. The collected data were then analyzed using the Miles and Huberman model through three stages, namely data reduction, data presentation, and drawing conclusions. From this study it can be concluded that 1) The implementation of monitoring carried out by KSPPS BMT Harber Tanggulasi Jepara consists of three monitoring, namely indirect monitoring (administrative monitoring), direct monitoring (field monitoring), and follow-up monitoring. 2) Monitoring of problem financing by KSPPS BMT Harber Tanggulasi Jepara has been running effectively, this is evidenced by the decrease in the NPF rate from 15% to 12%. However, the officer in charge of financing must routinely evaluate performance. In order to be able to analyze the problem carefully and field execution can run well.]]>
<![CDATA[Strategi Penanganan Pembiayaan Bermasalah di Bank Syariah ]]>
Zahratunnisa, Zahratunnisa;
<![CDATA[Sari, Khofifah Indar Mawar]]>;
<![CDATA[Fahira, Jeby]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35878/jiose.v2i1.552
<![CDATA[Sharia banks in Indonesia are currently experiencing significant developments, these developments must be followed by regulations and good banking management, including handling problem financing. It is undeniable that the financing business in Islamic banking has the potential to experience financing problems. The greater the problematic financing faced by banks, will reduce the soundness level of Islamic banks, decrease the quality of financing and the soundness of banks affect financial liquidity and solvency, which can ultimately affect the trust of depositors and even prospective customers. Not only that, the greater the amount of non-performing financing, the greater the amount of costs for reserve funds that must be provided so that it has a negative impact on profitability, because the losses borne by the bank will reduce profits which ultimately have a negative impact on Islamic bank capital. Related to this, this research was conducted using a qualitative method to analyze the factors that cause problem financing, as well as strategies for preventing and resolving problem financing in Islamic banks and finally being able to provide information to all parties, especially Islamic bank practitioners, about ways or strategies for handling and also solving problem financing.]]>
<![CDATA[Analisis Risiko Pembiayaan Mudharabah di Bank Syari’ah ]]>
<![CDATA[Yusuf, Miranda Azizah]]>;
<![CDATA[Febriyani, Elza]]>;
<![CDATA[Anggraini, Mela]]>;
<![CDATA[Lestari, Anjung Peby]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35878/jiose.v2i1.559
<![CDATA[Risks and obstacles to the implementation of mudharabah financing are one of the factors behind the low development of mudharabah financing in Islamic banks compared to other financing products. To anticipate risks and to enhance the development of mudharabah financing in Islamic banks, it is necessary to identify and in-depth study the risks of implementing mudharabah financing in Islamic banks so that strategies and solutions for these risks can be found. This research was conducted for this purpose by using quantitative research methods. The results of this study indicate that there are risks inherent in this financing, namely agency problems, adverse selection, moral hazard, and other risks that have not been studied in this study. These risks are a particular challenge for Islamic banks to implement mudharabah financing. The results of this study offer several strategies that can be carried out by Islamic banks in anticipating some of these risks, namely conducting analysis of prospective customers who are really good, conducting post-contract visits, providing managerial assistance as well as in preparing good and correct financial reports, conducting inspections and periodic monitoring, as well as immediately making decisions and following up when data is found that are not suitable for the implementation of the business carried out by the mudhorib. The solutions presented in this study can be further developed to support the implementation of mudharabah financing in Islamic banks.]]>
<![CDATA[Analisis Perbandingan Harga Saham dan Volume Transaksi Pada Perusahaan Telekomunikasi di Jakarta Islamic Index ]]>
<![CDATA[Sa'diyah, Mahmudatus]]>;
<![CDATA[Munzaroh, Sri Aqidah]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35878/jiose.v2i1.675
<![CDATA[Stock prices in the capital market are a reflection of all available information. Various events that occur in the capital market environment, both economic and non-economic, contain information that is used as a basis for decision making for investors so that they become one of the factors that determine the ups and downs of stock prices and transaction volume. This study aims to determine the value of a significant comparison between stock prices and transaction volumes before and after the national announcement of Covid-19 on telecommunication companies listed in JII (Jakarta Islamic Index). This research method uses quantitative methods in the form of comparative descriptive studies, the population of this study consists of 4 telecommunications companies listed in JII (Jakarta Islamic Index) using purposive sampling technique taken as many as 3 companies as samples. The data sample used is the closing of stock prices and transaction volume at 12 months (before covid-19) and at 12 months (after the announcement of covid-19) in the stock summary www.idx.co.id. The data of this study was processed using the Wilcoxon signed rank test, using SPSS 22. The results of this study prove that there is a significant comparison value between stock prices and transaction volumes before and after the national announcement of Covid-19 on telecommunication companies listed on the Jakarta Islamic Index ( JII).]]>
<![CDATA[Marketing Sales Promotion Girl Perspektif Etika Bisnis Islam ]]>
<![CDATA[Ridwan, Mohammad]]>;
<![CDATA[Yolanda, Gita]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 1 (2023): Maret 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.35878/jiose.v2i1.693
<![CDATA[Sales Promotion Girl (SPG) is the spearhead of the company to introduce a product that will be offered to the public. SPG is used as the hand of a company engaged in consumer services. In carrying out promotional activities at the Skechers Grage City Mall Cirebon store, the store requires the right promotional strategy in order to attract the attention of consumers and this strategy is carried out by SPG. This study was conducted to determine the marketing strategy undertaken by sales promotion girl at the store skechers grage City mall Cirebon. This study uses descriptive qualitative methods with data collection using observation, interviews and documentation. The results found in this study are that the marketing sales promotion girl strategy at the Skechers Grage City Mall Cirebon Shoe Store viewed from an Islamic perspective is applied in various ways including advertising promotion mix tools using electronic media such as (Instagram, Facebook and Whatsapp), Personal selling (personal selling) and Sales Promotion. In addition, the promotions carried out are in accordance with Islamic business ethics. Where in applying Islamic values as the implementation of business ethics, there are four things that can be used as guidelines in promotion, namely sincerity, honesty, meaningful, and accountability (responsibility / trustworthiness)]]>
