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Sofi Faiqotul Hikmah
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jesdar_bwi20@iaida.ac.id
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Dusun Tegalsari Lor, RT 20 RW 04 Desa Purwoasri Kecamatan Tegaldlimo Kabupaten Banyuwangi
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INDONESIA
Jurnal Ekonomi Syariah
Published by institut Agama Islam Darussalam blokagung Banyuwangi
ISSN : -     EISSN : 27458407     DOI : 10.30739/jesdar.v4i1
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Economics Darussalam is a periodical journal published by Islamic Economics Study Program, Faculty of Islamic Economics and Business, Darussalam Islamic Institute, Blokagung Banyuwangi. This journal specializes in the study of sharia economics, sharia business management, contemporary fiqh is a scientific publication facility for academics, researchers and practitioners in publishing research articles and studies of conceptual articles in the field of sharia economics, sharia business management, contemporary fiqh. Articles published after going through the manuscript selection mechanism and editing process. : Published twice a year in August and February, iSSN On Line (2745-8407).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 122 Documents
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IMPLEMENTASI SISTEM TANGGUNG RENTENG PADA PEMBIAYAAN LAYANAN BERBASIS JAMAAH (LASISMA) DALAM PERSPEKTIF FIQIH MUAMALAH DI BMT NU JAWA TIMUR CABANG CLURING BANYUWANGI Hikmah Nur Izza; Indana Almas Azhar
Jurnal Ekonomi Syariah Darussalam Vol. 5 No. 2 (2024): Agustus 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v5i2.3699

Abstract

One of the efforts of BMT NU to prosper the Indonesian economy in the micro-community sphere is by providing assistance in the form of financing Layanan Berbasis Jamaah (LASISMA), the realization of which is without collateral but implementing a system of Tanggung Renteng. jointly in the perspective of Fiqh Muamalah. This research uses a descriptive qualitative approach to the type of field research. The research location is at KSPPS. BMT NU East Java Cluring Banyuwangi Branch. Selection of informants with purposive sampling. Primary and secondary data sources. Data validity with source triangulation. Data analysis with miles and huberman. The results of the Tanggung Renteng system research on LASISMA financing use the kafalah bid-dayn contract which is in accordance with Islamic Civil law, namely Fiqh Muamalah, and the implementation of the Tanggung Renteng system at BMT NU Cluring Branch is applied when there are partners who are late in installments. The conclusion is that the Tanggung Renteng system is applied when there are arrears, as a solution for BMT NU and as a form of ta'awun among fellow members of the LASISMA group.
ANALISIS PERBANDINGAN KINERJA KEUANGAN PERUSAHAAN PEMBIAYAAN SYARIAH DAN KONVENSIONAL TAHUN 2017-2021 Nur Piyatd Fitri Kaisupy; Wiwit Mustafidah; Vina Septiana Permatasari
Jurnal Ekonomi Syariah Darussalam Vol. 3 No. 2 (2022): Agustus 2022
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v3i2.1647

Abstract

Tujuan penelitian ini untuk menganalisis perbandingan kinerja keuangan perusahaan pembiayaan syariah dan konvensional tahun 2017-2021: 1) dengan menggunakan rasio Financing Aset to Ratio (FAR). 2) menggunakan rasio Gearing Ratio (GR). 3) menggunakan rasio Modal Sendiri-Modal Disetor (MSMD). Jenis penelitian ini menggunakan penelitian kuantitatif komparatif. Teknik pengambilan sampel pada penelitian ini yaitu teknik sensus sampling. Sampel pada penelitian ini berupa laporan keuangan bulanan mulai bulan Januari tahun 2017 sampai dengan bulan Desember 2021. Uji Normalitas data menggunakan Kolmogorov Smirnov. Teknik analisis data menggunakkan uji Man-Whitney U test karena data yang digunakan tidak berdistribusi normal. Hasil analisis data penelitian ini menggunakan uji Man-Whitney U-test menunjukkan: 1) nilai signifikasi FAR perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. 2) nilai signifikasi GR perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. 3) nilai signifikasi MSMD perusahaan pembiayaan syariah dan konvensional kurang dari 0,05 yang berarti terdapat perbedaan. Kesimpulan dari analisis perbandingan kinerja keuangan perusahaan pembiayaan syariah dan konvensional yaitu: 1) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio FAR dalam penyaluran dana untuk pembiayaan kepada nasabah. 2) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio GR dalam memenuhi kewajibannya dengan menggunakan jaminan aktiva dan modal yang dimiliki. 3) perusahaan pembiayaan syariah lebih baik dari perusahaan pembiayaan konvensional ditinjau dari rasio MSMD dalam jumlah ekuitas yang dimiliki untuk penyaluran dana pembiayaan.
IMPLEMENTASI AKAD WADI’AH PADA PRODUK TABUNGAN FAEDAH DALAM MENINGKATKAN JUMLAH NASABAH DI BANK SYARIAH INDONESIA Moch. Zaenal Azis Muctharom
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.3695

Abstract

The aim of this research is to analyze the implementation of the wadi’ah contract in the Faedah Savings product at Bank Syariah Indonesia and efforts to increase the number of customers at Bank Syariah Indonesia Bojonegor. This research uses data collection methods through interviews, observation and documentation. This research uses a qualitative type of research using SWOT analysis. The results of this research show that Faedah Savings is a savings account for individual customers who use the deposit principle, who want convenience in daily transactions, his product uses the wadi’ah yad dhamanah contract. Meanwhile, there are 3 methods to increase the number of customers, namely personal selling, advertising and free. Kata Kunci: Implementasi, Tabungan Faedah, Upaya Meningkatkan Jumlah Nasabah
PERTUMBUHAN SEKTOR PARIWISATA DALAM PERSPEKTIF MAQASHID SYARIAH DI KABUPATEN BANYUWANGI Fajar Isnaeni; Nur Anim Jauhariyah; Mahmudah; Ainur Rizqiyah
Jurnal Ekonomi Syariah Darussalam Vol. 7 No. 1 (2026): Februari 2026
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v9i1.5174

Abstract

Tourism is a strategic sector that contributes significantly to national and regional economic development. This study aims to examine the impact of tourism sector fluctuations on regional macroeconomics, using a case study in Banyuwangi Regency. The research method applied is descriptive qualitative, analyzing secondary data on tourist visitation trends from the pre-pandemic to the post-pandemic periods of COVID-19 and their effects on regional economic growth. The document analysis reveals that Banyuwangi's tourism sector reached its peak performance in 2019, recording 5.307.054 domestic and 101.622 international tourist arrivals. However, the onslaught of the COVID-19 pandemic in 2020–2021 triggered a drastic decline in visitations due to mobility restrictions, which directly resulted in a -3.58% contraction in Banyuwangi Regency's economic growth in 2020. This study concludes that there is a highly close interconnection between the stability of the tourism industry and the economic resilience of the local community, emphasizing the need for adaptive and sustainable tourism recovery strategies to maintain regional economic resilience in the future
PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH DI BMT UGT SIDOGIRI CAPEM PURWOHARJO KABUPATEN BANYUWANGI DALAM PERSEPEKTIF EKONOMI ISLAM Ahmad Riswan; Norma Hadianto
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5187

Abstract

The purpose of this study is: 1) To determine how the settlement of problematic murabahah financing is carried out at BMT UGT Sidogiri Purwoharjo Branch Office, and 2) To examine whether the settlement of problematic murabahah financing at BMT UGT Sidogiri Purwoharjo Branch Office is in accordance with the perspective of Islamic economics. This research employs a qualitative approach, and the data analysis technique used in this study is data reduction. The first step in handling problematic financing is contacting the member by telephone by the officer. The second step is conducting a field visit by the BMT to the member’s home to verify the situation as a preventive effort. The third step is issuing a Collection Report (Berita Acara Penagihan/BAP) when the previous efforts do not yield results; the BAP is carried out three consecutive times by the BMT. The fourth step is executing the collateral when all prior efforts fail to provide a solution. The settlement of problematic murabahah financing at BMT UGT Sidogiri Purwoharjo Branch Office is in accordance with the principles of Islamic economics and fulfills the pillars and conditions of murabahah. Likewise, the resolution process complies with generally applicable regulations.
PENGARUH ACCOUNT OFFICER DAN PROMOSI TERHADAP KEPUTUSAN MENGAMBIL PRODUK PEMBIAYAAN DI BMT UGT SIDOGIRI CAPEM PESANGGARAN KABUPATEN BANYUWANGI Hasan Abdillah Agung Ramadlony; Muhamad Annas
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5190

Abstract

The purpose of this study was to determine whether there is an influence between the role of the account officer on the decision to take financing products in BMT UGT Sidogiri, a subsidiary of Pesanggaran. To find out whether there is an effect of promotion on the decision to take financing products in BMT UGT Sidogiri Pesanggaran subsidiary branch. This research method is quantitative, where data colletion uses observations, interviews, documentatin, and questionnaires. The sample of the study was 30 respondents who were members of financing products. Sample were taken using simple random sampling technique. The independent variable in this study are the account officer (X1) and promotion (X2) while the dependent variable is the decision to take financing product (Y). Data analysis used is multiple linier regression. The conclusion of this study is that partially there is a significant influence of the account officer on the decision to take financing products. There is a promotion influence on the decision to take financing products. And simultaneous account officers and promotions influence the decision to take financing product in BMT UGT Sidogiri, a subsidiary of Pesanggaran.
ANALISIS HUKUM EKONOMI ISLAM PADA PRAKTIK BISNIS MLM SYARIAH PT. K-LINK INDONESIA: (Studi Kasus Diamond Manager di Desa Barurejo Kecamatan Siliragung Kabupaten Banyuwangi) Muh. Ainun Najib
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5191

Abstract

This study aims to determine the practices of PT. K-Link Indonesia's sharia-compliant multi-level marketing business and to examine the legal perspective of Islamic economics on PT. K-Link Indonesia's sharia-compliant MLM business practices among diamond managers in Barurejo Village, Siliragung District, Banyuwangi Regency. The research findings indicate that PT. K-Link Indonesia utilizes a sharia-compliant multi-level marketing system. The 2019 Nahdlatul Ulama National Conference (MUNAS NU) in Commission A (Bahtsul Masail Waqi'iyah) ruled that money games are haram (forbidden). The study concludes that PT. K-Link Indonesia's multi-level marketing business is permissible because it falls under the category of muamalah (social transactions), whose basic law is permissible unless there is evidence to prohibit it. However, if elements found within the MLM business system contain elements prohibited by Islam, then the business is prohibited, and this is referred to as Sharia-compliant Multi-Level Marketing (PLBS).
TINJAUAN HUKUM ISLAM TERHADAP PRAKTIK GADAI (SENDE) SAWAH: (Studi Kasus di Desa Sumbersari Kecamatan Srono Kabupaten Banyuwangi) Mohamad Al Kafi; Abdul Kholiq Syafaat
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5192

Abstract

This study aims to determine the practice of sende, and to examine the Islamic legal perspective on the practice of sende in Sumbersari Village, Srono District, Banyuwangi Regency. The author employed a qualitative descriptive approach, the analytical tool used in this study was an interactive model. The results obtained from the study regarding the practice of sende in Sumbersari Village. The practice of pawning (sende) for paddy fields is as follows: first, the rahin (the borrower) approaches the murtahin (the mortgagee) to reach an agreement on the amount of debt requested and the paddy field to be used as marhun. After obtaining agreement, the parties to the contract execute the rahn (sende) contract, accompanied by witnesses. The results of the study can be concluded that the practice of pawning (sende) for paddy fields in Sumbersari Village, Srono District, Banyuwangi Regency complies with applicable Islamic law, as it meets Islamic requirements and provisions. The research concludes that the pawning practice using the sende system in Sumbersari Village is legitimate, as it meets the requirements and pillars of rahn, namely: belief in God, the principle of trust in God, and the principle of shighat. It avoids several potential forms of corruption, such as usury and gharar.
STRATEGI PEMASARAN SYARIAH DALAM MENINGKATKAN PENJUALAN DI TOKO ASHFINA SHOP BLOKAGUNG KECAMATAN TEGALSARI KABUPATEN BANYUWANGI Eka Septiarani; Sofi Faiqotul Hikmah
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5193

Abstract

This study aims to describe the implementation of sharia marketing in the Blokagung Ashfina Shop, sharia review of sharia marketing in the Ashfina Shop store, and the influence of sharia marketing in increasing Ashfina Shop shop sales. This type of research is a qualitative method with descriptive studies. Data collection techniques carried out by observation, interviews, and documentation. Based on the results of the research, the sharia marketing strategy undertaken by the Ashfina Shop is to improve services to consumers, goods sold are increasingly equipped and reproduced, prices of goods sold are cheap, strategic locations/ locations, word of mouth promotion. The sharia marketing strategy adopted by the Ashfina Shop stores is very influential in increasing sales. This is evidenced by the increasing number of consumers who come to the Ashfina Shop.
ANALISIS AKAD ISTISHNA’ PADA KONVEKSI KOPPONTREN AUSATH BLOKAGUNG BANYUWANGI DALAM PRESPEKTIF HUKUM EKONOMI ISLAM Hasyim Musyafa; Moh. Khozin Kharis
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5194

Abstract

This study aims to determine the implementation of the istishna' contract in garment factories and to determine the solution to problems when there is a discrepancy in the ordered goods during the istishna' contract at the Koppontren Ausath Blokagung Tegalsari Banyuwangi garment factory. This research is a qualitative descriptive study, with data collected through observation, interviews, and documentation. After conducting in-depth research and interviews with informants, it can be concluded that the uniform ordering practice at the Koppontren Ausath Blokagung Banyuwangi garment factory meets the requirements and pillars of the istishna' contract, as evidenced by the author's observations of field conditions through interviews with the garment factory head, purchasing staff, and consumers. It can be concluded that the implementation of the istishna' contract is in accordance with Islamic economic law, and the resolution of the problem of discrepancies in the istishna' contract at the Koppontren Ausath garment factory is in accordance with Islamic law.

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