Istithmar: Jurnal Studi Ekonomi Syariah
Istithmar : Jurnal Studi Ekonomi Syariah, published twice a year (June and December) by Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri, East Java. The Journal serving as a medium for exploring critical thinking on Islamic Economics and Business issues. It is open for all academics, practitioners, intellectuals, and students with the specification of the study of Islamic Economics. The Ideas is covering research article, conceptual idea, review of the literature, and practical experience. The scope of Istithmar : Jurnal Studi Ekonomi Syariah are limited to: Islamic economics Islamic banking and finance Islamic economic management Management Zakat, Infaq, Shodaqoh and Waqf Islamic entrepreneurship and business Islamic economics thought Islamic insurance Islamic accounting.
Articles
127 Documents
<![CDATA[PENGARUH FDR DAN NPF TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH MANDIRI TAHUN 2009-2019 ]]>
<![CDATA[Dezara Yogi Winata]]>;
<![CDATA[Choiril Anam]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 4 No. 2 (2020): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v4i2.13
<![CDATA[This research is conducted with the aim to determine the effect of Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Return On Assets (ROA) at Bank Syariah Mandiri in 2009-2019. This research is a quantitative study with secondary data based on time series data. The data were processed using the IBM SPSS 25 program. The results showed that the FDR variable did not have a significant effect on Return On Assets (ROA). This is evidenced by the results of the tcount of 0.164 and ttable of 1.683 or tcount <ttable which means that H0 is accepted and H1 is rejected. The NPF variable has a negative and significant effect on Return On Assets (ROA). This is evidenced by the results of tcount of -4.841 and ttable of 1.683 or tcount> ttable which means that H0 is rejected and H2 is accepted. FDR and NPF variables have a significant effect on Return On Assets (ROA). This is evidenced by the value of Fcount of 11.745 and Ftable of 3.23 or Fcount> Ftable which means that H0 is rejected and H3 is accepted. Based on the results of the coefficient of determination, it can be seen that the FDR and NPF have an effect of 36.4% on Return On Assets (ROA). While the remaining 63.6% is influenced by other factors outside of the research.]]>
<![CDATA[PERKEMBANGAN FINANCIAL TECHNOLOGI (FINTECH) BERDASARKAN PERSPEKTIF EKONOMI ISLAM ]]>
<![CDATA[Hendra Kusuma]]>;
<![CDATA[Wiwiek Kusumaning Asmoro]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 4 No. 2 (2020): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v4i2.14
<![CDATA[This research is a library research. The method used in this research is Library Research or literature review, which collects data from literature and other sources that support and are related to the discussion of this study. The results of this study are: (1) There are 5 major roles of Start- up Financial Technology, namely, First financial transactions become more practical and safer. Second, it can advance the development of bitcoin. Third, it can improve people's lives. Fourth, it can build banking infrastructure as a solution to increase people's purchasing power. Fifth, can remove loan sharks. (2) The relevance of Financial Technology in today's development, it is very clear that its relationship in the daily life of the community, which provides convenience for the needs of the community in conducting financial transactions, such as payments, buying and selling of shares, borrowing and other transactions through technology. (3) Financial Technology is not contradictory to the Islamic economic system as long as it follows the legal principles of a contract, and meets the conditions and principles as well as the applicable law.]]>
<![CDATA[PENGARUH PROMOSI TERHADAP KEPUTUSAN PENGGUNAAN OVO (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Kediri Angkatan 2016) ]]>
<![CDATA[Andriani]]>;
<![CDATA[Indra Nuraini]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v5i1.15
<![CDATA[Experience in payments that are increasingly sophisticated in this era has become a trend in transacting when shopping for goods, paying a service or just paying monthly bills. The choice of payment method makes it easier for us to transact every day. One of them is electronic money. No exception with electronic money service from PT. Visionet International (OVO), they have a strategy in marketing their superior products services including promotions, which is an activity in attracting consumers to use the company's goods or services through the advantages of a product goods or services offered. Where promotions conducted by electronic money service companies (OVO) have an influence on the decision to use their services. This research uses methods with a field research approach. with descriptive quantitative analysis, simple regression analysis, coefficient of determination in interpreting existing phenomena. The results explain that promotion and usage decisions in the category are very good. Pearson's correlation analysis found a score of 0.661. This indicates that the promotional relationship with the purchase decision has a moderate regression relationship. From the results of the regression analysis obtained equation Y = 212.847 + 0.772X; if interpreted has the following meaning in the variable Decision Of Use (Y) will be worth 212,847 if there are no other variables that affect. If there is a Promotion variable (X) intervention, the Usage Decision (Y) variable will increase by 0.772 basis points in each increment. Based on the analysis of determinant coefficients, the value of R-square = 0.4367 (43.67%), which indicates that the Usage Decision (Y) variable in the regression model is capable of being influenced by the Promotion variable (X) of 43.67%, and the remaining 53.33% is influenced by other factors outside the regression model.]]>
<![CDATA[ANALISIS SISTEM PENGAWASAN TERHADAP PRODUK YANG TERSERTIFIKASI HALAL DI BAKSO MAMA 1 JOMBANG ]]>
<![CDATA[Auliyaur Rokhman]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v5i1.16
<![CDATA[This research is motivated by the number of employees who during service activities / present products do not wear production equipment such as gloves, aprons, so that the product becomes unhygienic and can result in the quality of the product becomes decreased. In addition, there are some employees who serve customers while smoking. Of course, this is very uncomfortable with this situation, because cigarette smoke is not good for health and harms others. Departing from the background, obtained 3 problem formulations namely: 1) how production supervision applied in Bakso Mama 1 Jombang? 2) how is the standard halal product in Bakso Mama 1 Jombang? 3) what is the role of production supervision in Bakso Mama 1 Jombang? The research method used is Qualitative by using Triangulation. The results showed that: 1) Implementation of production control system applied by meatballs mama 1 jombang can already be said in accordance with the 6 indicators of production supervision that is characterized by the absence of errors / delays in work that has been targeted by meatballs mama 1 jombang. And there is no forced or pressure felt by employees during the work with the supervision system imposed. 2) Implementation of product quality standards applied to meatballs mama 1 Jombang is in accordance with the 6 indicators of service quality and has met all indicators that must be present in halal products that have been mentioned in UU No. 33 tahun 2014 on Halal Product Guarantee. 3) The role of supervision in improving the quality of products in Bakso Mama 1 Jombang is a. to supervise and assist the task of a leader in realizing the vision and mission of the company, b. to establish good relations between employees and leaders through the completion of all production work in a timely manner, c. maintaining the halalness of products, d. maintaining public health, e. protecting the right of consumers to obtain halal products.]]>
<![CDATA[RASIONALITAS KONSUMSI DI MASA PANDEMI PERSPEKTIF ISLAM ]]>
<![CDATA[Choiril Anam]]>;
<![CDATA[Purnama Sariati]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v5i1.17
<![CDATA[Income in a family determines consumption or expenditure in meeting primary, secondary and tertiary needs. Good Muslim consumption is consumption that has the purpose of the world and the hereafter which is aligned with the income received. The Changes of regional conditions in the form of disasters have an impact on the value of income and consumption priorities for families. The imposition of restrictions on economic activities as well as face-to-face activities echoed by the government has the effect of changing the economic order of the community. Families who are affected by the pandemic are experiencing economic and mental impacts. Such conditions require individuals to behave rationally in their economic activities and be adjusted to Islamic religious guidelines. So that it will form the soul / personality of a pious Muslim. This article uses a descriptive qualitative method. Informants come from communities which are affected by COVID 19 who are in the Education area such as kindergarten, elementary, junior high, high school, and college in Rejomulyo Village. The process of collecting data is done by means of interviews, documentation and observation. Data analysis was done by data triangulation. The results of the study illustrate that rationality in economic activities and the application of Islam includes: changing household consumption during the pandemic along with changes in the income of the head of the family. In addition, the family's understanding of the pandemic is based on the belief that Allah SWT gives a test in the direction of increasing piety.]]>
<![CDATA[FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT BERWIRAUSAHA MAHASISWA STAI MUHAMMADIYAH TULUNGAGUNG ]]>
<![CDATA[Mendah Nur Kumala Jati]]>;
<![CDATA[Mei Santi]]>;
<![CDATA[Hasan Sultoni]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v5i1.18
<![CDATA[Fostering entrepreneurial interest is one of the alternative options in reducing the unemployment rate in a country. Students as an educated community are expected to be able to be pioneers in growing the soul to do business by becoming young entrepreneurs who have the capacity for good business knowledge, so as to open job opportunities to absorb other workers. Therefore, it takes soul, attitude and mental in order to be able to bear that responsibility. Where the soul, attitude and mental self-entrepreneurship are formed by several intrinsic and extrinsic factors of the individual. The research method used quantitative with the respondents of 50 people is a student who has taken entrepreneurship courses and has been in business. This test uses multiple linear regression analysis that serves to prove the research hypothesis. From the results of the study, it was obtained that all external and internal variables have a positive and significant influence on students' entrepreneurial interests.]]>
<![CDATA[IMPLEMENTASI KUALITAS LAYANAN DAN PERSEPSI KONSUMEN TENTANG KUALITAS PRODUK TERHADAP KEPUASAN KONSUMEN PADA DEALER WULING TULUNGAGUNG ]]>
<![CDATA[Moh Irbash Dzikrulloh]]>;
<![CDATA[Lantip Susilowati]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v5i1.19
<![CDATA[Service quality in an economic aspect is very important and a challenge for every company. This study aims to determine the extent of the implementation of service quality and consumer perceptions and satisfaction regarding product quality at Wuling Tulungagung Dealer.The method in this study used a qualitative design with data collection methods through interviews and data analysis using content analysis. The findings in this study indicate that the implementation of service quality and consumer perceptions of product quality on customer satisfaction at Dialer Wuling Tulungagung has fulfilled the pillars of success. Its implementation is to provide quality service that has an impact on good consumer perceptions and consumer satisfaction accompanied by quality Dialer Wuling Tulungagung products.]]>
<![CDATA[Problematika Kewajiban Sertifikasi Halal bagi Pelaku Usaha Mikro dan Kecil (UMK) di Kabupaten Madiun ]]>
<![CDATA[Ririn Tri Puspita Ningrum]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 6 No. 1 (2022): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v6i1.30
<![CDATA[Terbitnya Peraturan Menteri Agama (PMA) No. 20 Tahun 2021 pada tanggal 14 September 2021 tentang sertifikasi halal bagi Pelaku UMK mewajibkan bagi semua Pelaku Usaha untuk mengolah produk usahanya sesuai dengan syariat Islam dan memiliki bukti sertifikat halal. Secara implementasi, kebijakan ini tentunya mengahadapi berbagai permasalahan khususnya yang dirasakan oleh Pelaku UMK di wilayah pedesaan atau pinggiran. Penelitian ini bertujuan untuk mengetahui bagaimana problematika sertifikasi halal yang dihadapi oleh Pelaku UMK di Kabupaten Madiun. Penelitian merupakan penelitian deskriptif kualitatif. Pengumpulan data dilakukan dengan teknik wawancara, dokumentasi dan observasi kepada beberapa Pelaku UMK di Kabupaten Madiun. Adapaun temuan pada penelitian ini antara lain: 1) Dari aspek pengetahuan dan informasi, problematika yang dihadapi adalah kurangnya sosialisasi yang bisa menjangkau Pelaku UMK di wilayah pinggiran atau pedesaan, 2) Dari aspek kecukupan ekonomi, financial dan aksesibilitas, problematika yang dihadapi adalah tingkat pengahasilan yang minim dan tidak pasti menyebabkan keterbatasan ekonomi sehingga Pelaku UMK merasa berat untuk mengurus sertifikasi halal. Keterbatasan penggunaan teknologi informasi juga menjadi hambatan proses pengurusan sertifikasi halal secara online sehingga menyebabkan kurangnya tingkat aksesibiltas sertifikasi halal, 3) Dari aspek ketersediaanya fasilitas produksi, problematika yang dihadapi adalah belum memadainya fasilitas, sarana dan prasarana yang dimiliki Pelaku UMK sehingga untuk syarat proses produksi secara halal dinilai minim. Pelaku Usaha juga belum memiliki dokumen sebagai aspek legal pengurusan sertifikasi halal, 4) Dari aspek mindset Pelaku UMK, problematika yang dihadapi adalah sertifikasi halal hanya untuk usaha bepenghasilan besar sehingga menyebabkan sikap pasif dan apatis dalam mengupayakan sertifikasi halal.]]>
<![CDATA[Analisis Perbandingan Ketahanan (Resilience) Keuangan Bank Umum Syariah antara Sebelum dan Selama Pandemi Covid-19 ]]>
<![CDATA[Zahra Maulida]]>;
<![CDATA[Adi Rahmannur Ibnu]]>;
<![CDATA[Miftahul Khair]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 6 No. 1 (2022): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v6i1.31
<![CDATA[Tujuan dari penelitian ini adalah untuk mengetahui perbandingan tingkat ketahanan dan kesehatan Bank Umum Syariah antara sebelum dan selama pandemi Covid-19 dengan menggunakan metode CAMEL. Populasi dalam penelitian ini adalah laporan keuangan Bank Umum Syariah dan jumlah sampel dilakukan secara nonprobability sampling dengan metode purposive sampling. Sedangkan teknik pengumpulan data menggunakan laporan keuangan Bank Umum Syariah periode 2019-2021. Analisis data yang digunakan untuk menguji seberapa besar perbandingan ketahanan Bank Umum Syariah antara sebelum dan selama pandemi dengan teknik analisis yang digunakan yaitu uji bedaparametrik dengan alat analisis menggunakan Uji Paired Sample t-test. Hasil penelitian menunjukkan pada rasio CAR, NPF dan FDR terdapat perbedaan secara signifikan antara sebelum dan selama pandemi. Sedangkan pada rasio BOPO dan ROA tidak terdapat perbedaan secara signifikan antara sebelum dan selama pandemi. Dan dari keseluruhan rasio, kesehatan Bank Umum Syariah masih bertahan dan stabil di masa pandemi.]]>
<![CDATA[Dampak Restrukturisasi Kredit Terhadap Bank Pembiayaan Rakyat Syariah (BPRS) pada Sektor UMKM ]]>
<![CDATA[Aulia Khasanatus Sa’adah]]>;
<![CDATA[Dewi Robiatul Ahdawiyah]]>;
<![CDATA[Dian Ayu Nadiyah]]>;
<![CDATA[Sifa Atiqotus Zahro]]>
<![CDATA[ Istithmar: Jurnal Studi Ekonomi Syariah Vol. 6 No. 1 (2022): Istithmar : Jurnal Studi Ekonomi Syariah ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri ]]>
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
DOI: 10.30762/istithmar.v6i1.32
<![CDATA[Dampak mewabahnya virus corona (covid19) tidak hanya berbahaya bagi kesehatan tetapi juga berdampak pada perekonomian dan perbankan. Banyak masyarakat yang tidak bisa membayar kredit tepat waktu karena adanya pandemi covid-19 yang menyebabkan pembatasan sosial serta banyak pemutusan hubungan kerja. Untuk mengatasi hal tersebut pemerintah mengeluarkan peraturan mengenai restrukturisasi kredit untuk kredit macet. Tujuan dari adanya penelitian ini adalah untuk menganalisis implementasi restrukturisasi kredit pada Bank Pembiayaan Rakyat Syariah (BPRS), mengetahui pedoman yang digunakan dalam penerapan restrukturisasi tersebut serta mengidentifikasi hambatan dalam restrukturisasi kredit pada BPRS. Penelitian ini menggunakan pendekatan kualitatif yang mengacu pada studi lapangan mengenai proses restrukturisasi kredit di BPRS. Berdasarkan hasil penelitian dan pembahasan proses restrukturisasi kredit pada BPRS telah dilaksanakan sesuai dengan peraturan yang dikeluarkan oleh pemerintah akan tetapi dalam proses tersebut tentunya ada hambatan dan kesulitan seperti nasabah yang susah untuk bekerjasama dan sebagainya.]]>
