Journal of Islamic Economics and Finance
Journal of Islamic Economics and Finance (JIEF) is an journal providing authoritative sources of scientific information for researchers and scholars in academia, research institutions, government agencies, and industries. This journal publishes original articles which include: 1. Islamic Finance 2. Philanthropy 3. Human Resource Management 4. Regional Economy 5. Industrial Economics 6. International Trade 7. Islamic Business Ethics 8. Sharia Capital Market 9. Islamic Microfinance 10. Islamic Business and Management 11. Islamic Thought 12. Political Economy 13. Economic Sociology
Articles
105 Documents
<![CDATA[Analisis Pengaruh Faktor Internal Dan Faktor Eksternal Terhadap Non Performing Financing (NPF) Pada Bank Umum Syariah Di Indonesia ]]>
<![CDATA[Fatimah, Natasyanurul]]>;
<![CDATA[Izzaty, Khairina Nur]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 2 No 2 (2022): Volume 2 Nomor 2 Tahun 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v2i2.5702
<![CDATA[This study aims to analyze the influence of internal factors such as FDR, CAR, and BOPO as well as external factors such as inflation, BI rate, and exchange rates against Non Performing Financing (NPF) at Islamic Commercial Banks in Indonesia. This study uses a quantitative approach carried out at Islamic Commercial Banks registered with the OJK in the first quarter of 2019 to the third quarter of 2021, with the use of secondary data based on times series in the form of quarterly. The sample in this study was determined using a purposive sampling method so that 9 Islamic Commercial Banks were obtained according to the criteria. The data analysis method used is multiple linear regression and goodness of fit test of a model that is processed using IBM SPSS 25. Based on the results of data testing shows that: (1) Financial to Deposit Ratio (FDR) has no significant effect on Non Performing Financing (NPF), (2) Capital Adequacy Ratio (CAR) has no significant effect on Non Performing Financing (NPF), (3) Operating Expenses on Operating Income (BOPO) has a positive and significant effect on Non Performing Financing (NPF), (4) inflation does not have a significant effect on Non Performing Financing (NPF), (5) the BI rate does not significantly affect Non Performing Financing (NPF), (6) the exchange rate has a positive and significant effect on Non Performing Financing (NPF).]]>
<![CDATA[Analisis Komparatif Kinerja Reksadana Syariah Di Indonesia Sebelum dan Saat Pandemi Covid-19 ]]>
<![CDATA[Hapsari, Tri Dyah]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 2 No 2 (2022): Volume 2 Nomor 2 Tahun 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v2i2.6243
<![CDATA[This research aims to find out how to optimize the function of the mosque as a means of da'wah and economic empowerment of the people. The subject of this research is the Assalam Mosque located in Rowosari Village, Ulujami District, Pemalang Regency. This research uses a descriptive qualitative method. Data analysis by triangulation, data obtained through observation and interviews with informants of the management and congregation of the Assalam Mosque. The results show that, apart from functioning as a place of worship, Masjid Assalam seeks to optimize its other functions as a center for da'wah for youth, youth and adult congregations. Other parts carried out at the Assalam Mosque are social functions in distributing rice alms to pilgrims, collecting and distributing aid to disaster victims, and economic empowerment to stalls and shops owned by pilgrims.]]>
<![CDATA[Keputusan Investasi Digital dan Transaksi non Tunai Investor Muslim di Kabupaten Sukoharjo ]]>
<![CDATA[Arif, Yulfan]]>;
<![CDATA[Rina Sari Qurniawati]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 2 No 2 (2022): Volume 2 Nomor 2 Tahun 2022 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v2i2.6098
<![CDATA[Muslim investors invest for financial gain in the future. The current investment decision determines the profit or loss received. The purpose of the study was to determine how much financial literacy and risk tolerance influence in determining digital investment decisions and to find out how much financial literacy and risk tolerance influence in conducting non-cash transactions during the covid-19 pandemic for Muslim investors. The research was conducted on Muslim investors in Sukoharjo Regency. Determination of the sample using purposive sampling with the number of respondents as many as 110. Data collection was done using a questionnaire distributed to Muslim investors who have done investment activities. Testing the model using Path Analysis with SmartPLS Software by performing Individual Item Reliability Test, Internal Consistency Test, and Discriminant Validity Test. The test results show that the financial literacy of Muslim investors has no effect on investment decisions and non-cash transaction decisions. Meanwhile, risk tolerance affects investment decisions and non-cash transaction decisions. The investment decisions of a Muslim are not based on their financial knowledge but on the current economic situation]]>
<![CDATA[Kontribusi Fuqaha’ dalam Pengembangan Ekonomi Syariah: Studi Pemikiran Abu Hanifah ]]>
<![CDATA[Fachrurazi]]>;
<![CDATA[Ismanto, Kuat]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.7052
<![CDATA[This paper aims to explore the thoughts of Abu Hanifah in the field of Islamic economics and business. This study was carried out within the framework of library research with a qualitative-historical approach. Abu Hanifah’s Book is the main source of data in this study. Secondary data in the form of books, articles, and other documents related to his thoughts, are involved as supporting data. A content analysis strategy is used to discuss the data obtained to draw conclusions. Results of this study indicate that Abu Hanifah is a fiqh expert who contributes to Islamic economic and business thought. Although some authors place him as an early phase of Islamic economics, other facts show that Abu Hanifah's works are mostly in the areas of aqidah and fiqh. The economic problems are only found in the works of his students. The economic thought that he contributed has a normative-ethical fiqh pattern. Nonetheless, its contribution is beneficial to economic development in the past, present, and in the future. This finding implies that the conception developed by classical scholars still finds relevance to be used as a guide in the future development of Islamic economics.]]>
<![CDATA[Kiai Langgar dan Bank Syariah: (Studi terhadap Konstruksi Bank Syariah menurut Kiai Langgar) ]]>
<![CDATA[Iqbal Notoatmojo, Muhammad]]>;
<![CDATA[Muthohar, Ahmad Mifdlol]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.7044
<![CDATA[Penelitian berangkat setidaknya dari dua latar belakang. Pertama, elit agama masih mempunyai peran penting dalam suatu komunitas, tidak terkecuali kiai langgar di Desa Denasri Kulon Batang sebagai elit agama di perkampungan. Mereka dalam bidang tertentu masih menjadi referensi bagi masyarakat, khususnya di bidang agama. Kedua, teori yang diyakini banyak pihak adalah bahwa perilaku rasional-instrumental akan sangat dominan di dunia modern. Namun apakah perilaku ekonomi para kiai langgar yang nota bene lebih “melek agama” dan menjadi referensi banyak pihak, juga hanya didasarkan pada kalkulasi ekonomi yang bernafaskan rasional-instrumental. Berangkat dari dua hal tersebut tulisan berupaya mendekripsikan perilaku ekonomi kiai langgar terhadap bank syariah yang melekat pada setting sosial yang melitarinya. Pendekatan yang digunakan dalam penelitian ini adalah pendekatan kualitatif. Data diperoleh langsung dari nara sumber di lapangan (library research) yang berlokasi di Desa Denasri Kulon Kabupaten Batang. Nara sumber yang dipilih menggunakan metode purpossive sampling dengan beberapa kriteria tertentu agar mendapatkan data yang dibutuhkan untuk menjawab pertanyaan penelitian. Teknik pengumpulan data menggunakan teknik interview yang dilengkapi dengan observasi di lapangan. Metode yang digunakan dalam penelitian ini adalah fenomenologi. Epoche yang dilakukan peneliti menggunakan dua metode, yaitu method of historical bracketing dan method of of eiditic reduction. Hasil penelitian ini menyimpulkan bahwa perilaku ekonomi kiai langgar terhadap bank syariah bukan hanya sekedar sebuah perilaku ekonomi an sich yang didasarkan pada kalkulasi rasional semata. Perilaku mereka terlekat (embedded) pada berbagai variabel non-ekonomi, antara lain nilai-nilai agama, nilai-nilai sosial dan jaringan sosial.]]>
<![CDATA[Non-Performing Finance dalam Memoderasi Pengaruh Dana Pihak Ketiga, Capital Adequacy Ratio, dan Financing to Deposit Ratio terhadap Return on Assets Bank Umum Syariah Periode 2016-2021 ]]>
<![CDATA[Amrina Rosada, Eka]]>;
<![CDATA[Aulia, Fira]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.7070
<![CDATA[The purpose of this study was to analyze the influence of Non-Performing Finance (NPF) in moderating the relationship between Third Party Funds, Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR) to Return on Assets (ROA) at Commercial Banks Sharia in Indonesia for the 2016-2021 period. This research is a type of quantitative research with a correlational approach. By using purposive sampling technique, 8 Commercial Banks Sharia were obtained as research samples. The data analysis technique used to answer the hypothesis in this study uses Moderated Regression Analysis (MRA). The results of the study concluded that partially Third-Party Funds had no effect on ROA, while the CAR and FDR variables partially had an effect on ROA at Islamic Commercial Banks for the 2016-2021 period. Furthermore, when there is the addition of NPF as a moderating variable, the research findings state that NPF is not able to moderate the effect of Third-Party Funds on ROA. Meanwhile, on the other hand, NPF is able to moderate the influence of CAR and FDR on ROA of Islamic Commercial Banks for the 2016-2021 period.]]>
<![CDATA[Analisis Dampak Keterlambatan Pembayaran Pengguna Shopee Paylater dalam akad Qardh ]]>
<![CDATA[Suhandoyo]]>;
<![CDATA[Abdurrahman]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.7093
<![CDATA[Aktivitas masyarakat yang lebih mudah karena adanya teknologi saat ini melahirkan inovasi di antaranya e-commerce. Shopee paylater adalah layanan fitur terbaru shopee untuk memberikan pinjaman ke pengguna. Tujuan dari penelitian ini adalah untuk mengetahui dampak apa saja yang dirasakan oleh pengguna paylater akibat keterlambatan pembayaran dan untuk mengetahui sudut pandang agama islam mengenai Shopee paylater. Jenis penelitian yang akan digunakan yaitu dengan pendekatan kualitatif. Peneliti mengumpulkan data dengan cara mengamati dan wawancara kepada pihak yang menggunakan Shopee Paylater. Hasil dari penelitian dapat disimpulkan bahwa dampak yang dialami peminjam yaitu Pengguna mendapatkan denda sebesar 5% dari total tagihan. (b) Menerima penagihan lewat via telepon maupun email. (c) Akun peminjam akan dibatasi (tidak dapat melakukan transaksi secara online pada aplikasi Shopee) jika keterlambatan sudah sampai satu bulan. (d) Jika sampai tidak dapat ditagih, maka data peminjam akan masuk ke Biro Kredit. Dan tidak dapat meminjam pada lembaga lain. Berdasarkan akad Qard maka Shopee Paylater tersebut tidak diperbolehkan secara hukum karena beberapa alasan di antaranya: (a) Shopee Paylater memberikan keuntungan secara pribadi bagi Shopee karena penggunaan Shopee Paylater hanya digunakan untuk aplikasi Shopee saja. (b) Jatuh tempo pembayaran tidak genap satu bulan sesuai dengan keterangan pada Shopee Paylater. (c) Ketidakjelasan bunga yang diberikan pada cicilan 2x dan cicilan 3x.]]>
<![CDATA[Pengaruh Overconfidence dan Literasi Keuangan Syariah terhadap Keputusan Investasi (Studi pada UMKM Kota Semarang) ]]>
<![CDATA[Rohmah, Syifa]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.6944
<![CDATA[The purpose of this study was to determine the effect of overconfidence, Islamic financial literacy on investment decisions in MSMEs in Semarang City. This research is a quantitative research using primary data. The method of data collection was carried out through a questionnaire distributed to UMKM in the city of Semarang. The sample used in this study was 100 respondents with a purposive sampling technique. The data obtained was processed with SPSS. This analysis uses instrument test, multiple linear regression test, t test, f test, R2 test, and classical assumption test. Based on the results of the T test, overconfidence and financial literacy have a positive effect on investment decisions. The results of the F test show that overconfidence and financial literacy simultaneously have a significant positive effect on investment decisions.]]>
<![CDATA[Menilai Kelayakan Harga Saham Bank-Bank Syariah di Indonesia Melalui Pendekatan Relative Valuation ]]>
<![CDATA[Widya Antikasari, Tiara]]>;
<![CDATA[Pramesti, Dyah]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.7051
<![CDATA[The purpose of this study was to determine the intrinsic value of BRIS and BTPS issuer shares using a relative valuation approach which was analyzed using two methods, price earning ratio (PER) method and price to book value (PBV) method. Results of existing valuation analysis are used as a guide in making investment decisions by comparing the intrinsic value and the market price. This research belongs to the descriptive quantitative research with the type of data used is secondary data in the form of historical stock price data for the last 5 years, earnings per share (EPS) and average PER value data, and current book value per share (current BVPS) and the average PBV value of BRIS and BTPS. The results of the study show that BRIS and BTPS shares which are valued using PER method and PBV method indicate that the two bank shares are undervalued, which means that their stock prices tend to be cheap, so that both BRIS and BTPS shares are worth buying.]]>
<![CDATA[Analisis Kualitas Pelayanan dan Produk terhadap Minat Nasabah untuk Mengambil Pembiayaan Murabahah ]]>
<![CDATA[Irfanullah, Gumilar]]>;
<![CDATA[Desy Fitriana Sari]]>
<![CDATA[ Journal Of Islamic Economics And Finance Vol 3 No 1 (2023): Volume 3 Nomor 1 Tahun 2023 ]]>
Publisher : <![CDATA[Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan ]]>
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DOI: 10.28918/jief.v3i1.7069
<![CDATA[This article seeks to analyze the effect of service and product quality on customer interest in choosing Bank Btpn Syariah's low-cost financing. This research uses a type of field research with a quantitative research approach. The sample used purposive sampling technique as many as 76 samples. Data collection techniques using a questionnaire. Data analysis using multiple linear regression. The result of this study is that the service quality variable has no influence on the customer's interest in taking murabahah financing. Product variables have an influence on customers' interest in taking murabahah financing. Simultaneously, service and product quality have a significant effect on customers' interest in taking murabahah financing at BTPN Syariah. Suggestions for future researchers are expected to develop by adding interest variables.]]>
