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
56 Documents
<![CDATA[Analisis Target Costing dalam Optimalisasi Laba Usaha Mikro Kecil Menengah ]]>
<![CDATA[Rakhmawati, Ita]]>;
<![CDATA[Mui'jz, Muhammad Abdul]]>
<![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 ]]>
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DOI: 10.35878/jiose.v2i1.706
<![CDATA[Profit is one indicator to maintain the sustainability of the company. In order to achieve optimal profit, the company must charge the product appropriately. The purpose of this research is to apply the target costing method in order to make production costs efficient at the Iqbal Collection. This research is a qualitative research with a case study design. Data sources include primary data and secondary data. Primary data obtained through interviews and observation. Secondary data obtained through documentation. The results showed that the production costs incurred by the company before implementing target costing were Rp. 52,905,000.00. Whereas after the implementation of target costing, the costs incurred by the company amounted to Rp. 49,905,000.00. This indicates a cost efficiency of 5.67% in the application of target costing. Viewed from the aspect of profit acquisition, the profit obtained before the implementation of target costing was Rp. 2,595,000.00. Meanwhile, after the implementation of target costing, the profit obtained was Rp. 5,595,000.00. Conditions indicate that target costing is proven capable of optimizing profits at a level of 10.08%.]]>
<![CDATA[Strategi Islamic Marketing Mix Wisata Kampung Mandor Plaosan Cluwak Pati ]]>
<![CDATA[Sutriani, Endang]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 2 (2024): September 2024 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v3i2.544
<![CDATA[This research aims to explain the Islamic marketing mix strategy of Kampung Foreman Tourism Plaosan Cluwak Pati Village. This study uses a descriptive qualitative research method with data collection techniques through interviews, observations and documentation. The results of this study show that the marketing strategy used by the management of Kampung Mandor Tourism is known as the term Islamic marketing mix which consists of 9P, namely; Product, Price, Promotion, Place, People, Process, Physical evidence, Promise and Patience. The marketing strategies carried out by the management include being carried out online, utilizing social media Instagram and WhatsApp. The obstacles faced by the manager in marketing the foreman village tourism are in terms of the products offered such as food menus and parking spaces that have not been maximized. Therefore, the management is trying to develop tourism so that there is a new atmosphere and visitors feel interested, satisfied, safe and comfortable.]]>
<![CDATA[Digital Marketing dan Pengaruhnya terhadap Peningkatan Penjualan Produk Rabbani Perspektif Ekonomi Islam ]]>
<![CDATA[Setiana, Farida Arum]]>;
<![CDATA[Kurniawan, Naufal]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 1 (2024): Maret 2024 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v3i1.654
<![CDATA[Rabbani products already have a market share with wide distribution in the community, especially in the Banjarnegara area. Not a few people choose Rabbani products as the mainstay Muslim clothing. One of the strategies carried out by Rabbani in increasing sales is to implement a digital marketing strategy. Based on these assumptions, this study was conducted to test and empirically prove the influence of digital marketing strategies on increasing sales turnover of Rabbani products in Banjarnegara. This research uses quantitative methods with the object of research of STAI Tanbihul Ghofilin Banjarnegara Students. In addition to questionnaires, research data was also obtained through interviews with store directors Rabbani Banjarnegara. The interview data was then analyzed to answer whether Rabbani's digital marketing strategy had met the requirements of Islamic law. The results of the study explained that digital marketing had an effect on increasing sales of Rabbani products by 37.4%. This research also resulted in the conclusion that the digital marketing strategy carried out by Toko Rabbani was in accordance with the principles of Islamic economics.]]>
<![CDATA[Layanan Bank Syariah Berbasis Multikultural ]]>
<![CDATA[Ami'in, Siti Nur]]>;
<![CDATA[Janah, Tutik Nurul]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v2i2.704
<![CDATA[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.]]>
<![CDATA[Pengaruh Inflasi, Nilai Tukar, dan Produk Domestik Bruto terhadap Indeks Harga Saham di Jakarta Islamic Index ]]>
<![CDATA[Widyaningtias, Ayu]]>;
<![CDATA[Mawaddah, Romdhonah Zahrotul]]>;
<![CDATA[Amaroh, Siti]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 1 (2024): Maret 2024 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v3i1.805
<![CDATA[The purpose of this research is to find out whether inflation, exchange rates, and PDB affect the JII stock price index. This research method is quantitative. Data obtained from secondary data in the form of a time series of 32 samples. This study uses Eviews version 13 in data processing. The results of this study on the t test stated that inflation did not significantly affect the JII stock price index based on t count < t table (1.497416 <2.048407) and the number of probs. (0.1463 > 0.05). The exchange rate has no significant relationship to the JII index as shown by t count < t table (-5.675294 < 2.048407 and total prob. (0.000 < 0.05). Meanwhile, PDB has a significant effect on the JII stock price index from the t count > t table (5.628365 > 2.048407) and the number of probs (0.000 <0.05). Whereas in the simultaneous test the variables inflation, exchange rate, and PDB affect the JII stock price index as evidenced by f count > f table (12.511175 > 2.946685) and a significance level (0.000 <0.05).]]>
<![CDATA[Peran Kopontren dalam Meningkatkan Kompetensi Wirausaha Santri ]]>
<![CDATA[Hakim, Muhammad Arif]]>;
<![CDATA[Lailiyyah, Hurrotul]]>;
<![CDATA[Widayanti, Yuyun]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v2i2.895
<![CDATA[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.]]>
<![CDATA[Implementasi Prinsip Kehati-hatian dalam Penyaluran Pembiayaan di Bank Syariah ]]>
<![CDATA[Rizki, Ima Kurnia]]>;
<![CDATA[Fatekhah, Putri Surya]]>;
<![CDATA[Ali, Maslihan Mohammad]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 3 No 1 (2024): Maret 2024 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v3i1.896
<![CDATA[Islamic banking has the main function, namely as an institution that collects funds from the public in the form of deposits and distributes them back to the community in the form of financing (financial intermediary instution). The function of financing distribution carried out by Islamic banking to the public certainly has risks that require the implementation of prudential principles in these activities. The application of prudential principles carried out by Islamic banks is an obligation in order to protect public funds entrusted to Islamic banks. This research was conducted using descriptive qualitative methods to determine the implementation of prudential principles in financing analysis at Islamic banks. Data in this study was obtained through documentation from book sources, research journals and other related documents. The results of this study show that the application of the precautionary principle in financing analysis at Islamic banks can be carried out through the analysis of the 5C, 7P, 3R and 1S principles. This analysis is needed as a screening effort in the distribution of financing to the community.]]>
<![CDATA[Shulhu Concept Analysis for Appropriate Product Dispute Resolution in Sharia Financing ]]>
<![CDATA[Lubis, Rahmat Husein]]>;
<![CDATA[Aprilia, Vera]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v2i2.897
<![CDATA[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.]]>
<![CDATA[Strategi Eksekusi Pembiayaan sebagai Upaya Penyelesaian Pembiayaan Bermasalah di Bank Syariah ]]>
<![CDATA[Susiana, Angella Diana Andi]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v2i2.898
<![CDATA[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.]]>
<![CDATA[Risk and Return Money Saving di Reksadana dan Bank Digital ]]>
<![CDATA[Pradini, Anez Yuniar]]>
<![CDATA[ JIOSE: Journal of Indonesian Sharia Economics Vol 2 No 2 (2023): September 2023 ]]>
Publisher : <![CDATA[Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah ]]>
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DOI: 10.35878/jiose.v2i2.899
<![CDATA[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.]]>
