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Istithmar: Jurnal Studi Ekonomi Syariah
Published by Institut Agama Islam Negeri Kediri
ISSN : 25989804     EISSN : 26549387     DOI : 10.30762
Core Subject : Economy,
Economics, Econometrics & Finance
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.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 127 Documents
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Kebijakan Fiskal dalam Perspektif Ekonomi Makro Islam Zakiyatul Miskiyah; Arif Zunaidi; Sodiq Almustofa; Mahrus Suhardi
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 6 No. 1 (2022): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v6i1.33

Abstract

Kebijakan fiskal adalah kebijakan yang mengatur atau mengelola pendapatan serta pengeluaran negara yang bertujuan untuk menjaga stabilitas serta mendorong perkembangan ekonomi.Pendapatan serta pengeluaran pemerintah merupakan salah satu dari intrumen kebijakan fiskal. Namun secara literatur kebijakan fiskal modern nyatanya tidak ada satupun membahas terkait permasalahan etika, terkecuali pada teori distribusi. Hal itupun hanya sebatas teori distribusi. Metode penelitian ini menggunakan studi liberary. Hasil dari pembahasan ini menunjukan bahwa kebijakan fiskal dalam Islam sejak zaman nabi SAW hingga saat ini selalu menggunakan sistem anggaran berimbang (banlced budget) yang pengelolaan nya melalui baitul mal. Instrument yang dikembangakan dalam kebijakan fiskal Islam antara lain zakat, infaq, shadaqah, wakaf, ghanimah, fa’i, kharaj, jizyah, u’shur, dan khumus.
Pengaruh Diversitas Dewan Terhadap Kinerja Korporat Erni Zulfa Arini
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 6 No. 1 (2022): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v6i1.34

Abstract

Penyebab krisis suatu negara di sebabkan oleh dua faktor yaitu internal dan eksternal. Salah satu faktor internal krisis keuangan di Indonesia diakibatkan karena tidak dilaksanakan prinsip-prinsip good corporate govermance, salah satunya peranan top management dalam hal peningkatan kinerja korporat. Komposisi dan jumlah pada level top manajemen diduga menjadi pengaruh terhadap kinerja suatu korporat.  Pada Penelitian ini bertujuan untuk menguji pengaruh diversitas dewan yaitu dewan perempuan, dewan asing, dewan komisaris, dan dewan direksi terhadap kinerja korporat pada perusahaan yang telah terdaftar pada pasar modal syariah tahun 2014-2016. Populasi dalam penelitian ini sebanyak kurang lebih 300 perusahaan dan diambil sampel sebanyak 48 perusahaan, metode yang digunakan dalam pemilihan sampel adalah purposive sampling dan teknik analisis menggunakan regresi linear berganda dengan alat uji SPSS. Hasil penelitian menyimpulkan bahwa dewan perempuan, dewan asing, dewan komisaris dan dewan direksi berpengaruh positif terhadap kinerja korporat.
Peran Komite Pembiayaan dalam Menangani Pembiayaan Bermasalah di Bank Syariah Indonesia Kharis Fadlullah Hana; Yoga Raunaqa
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 6 No. 1 (2022): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v6i1.35

Abstract

Pembiayaan bermasalah saat ini menjadi problematika yang semakin marak di lembaga keuangan. Tujuan penelitian ini untuk menganalisis peran komite pembiayaan dalam mencegah pembiayaan bermasalah. Metode penelitian menggunakan deskriptif kualitatif dengan sumber data sekunder dari laporan tahunan perusahaan dan jurnal ilmiah. Hasilnya Komite pembiayaan bertugas membantu Direksi untuk mengevaluasi ataupun memutuskan pengeluaran pembiayaan, perpanjangan dan perubahan pembiayaan dalam batas yang berlaku. Sebagai penyalur komite pembiayaan memiliki wewenang untuk memberikan persetujuan maupun menolak persetujuan yang telah dilakukan. Sebagai komite pembiayaan harus memiliki sikap tegas dan tepat untuk melakukan analisis, penilaian dan juga memberikan rekomendasi untuk permohonan pembiayaan yang diajukan dengan tujuan mengoptimalkan dan meminimalisir dan resiko dalam memberi pembiayaan agar tidak terjadi pembiayaan bermasalah.
PERAN MARKETING PUBLIC RELATIONS DALAM MERAWAT DAN MEMPERTAHANKAN LOYALITAS DONATUR INFAQ Arif Zunaidi; Hendik Setiawan
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.76

Abstract

Mojokerto City Infaq Development Institute (LPI) is a non-profit organization that manages zakat, infaq, and sadaqah funds. During competition between similar institutions, they compete to be more active and creative in designing donor- attraction strategies. Because it focuses on marketing activities, delivering products to donors, fostering trust, and maintaining good relations of donors, the marketing corporate communications strategy is important choice for donors' best interest. This is a qualitative design with a qualitative approach. According to the discussion on the subject, the application of marketing public relations strategy at LPI Mojokerto City also include promotion, advertising, creating an innovation, event, and sponsorship; public relations marketing strategy plays an important role in maintaining and maintaining donor loyalty, as evidenced by data on the increase in the number of regular donors every year.
HANDLING THE FINANCING PROBLEM: A NARRATIVE STUDY OF AGRICULTURAL CAPITAL FINANCING MURABAHAH CONTRACTS AT BMT Joko Hadi Purnomo; Anike Putri Rahmawati; Niswatin Nurul Hidayat
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.78

Abstract

This research aims to determine how the implementation of agricultural capital financing with the murabahah contract, the factors that caused problematic financing, and how to handle problematic financing, especially in the financing of agricultural capital with a murabahah contract at BMT BUS KPU Tuban Branch. Agricultural capital financing is a type of financing that is quite rare for BMT in Tuban District, because in providing agricultural financing, BMT is very vulnerable to suffer losses due to problematic financing. This research was a field research with a qualitative approach. Data collection techniques were carried out through interviews and documentation. Data sources consists of primary and secondary data. Data analysis used analytic descriptive technique. The results explained that the murabahah financing procedure implemented at BMT BUS KPU Tuban Branch on agricultural capital financing practices can be said to be good, because in its implementation each prospective member of the financing was obliged to meet the applicable requirements and procedures, the factors that cause problematic financing were external and internal factors, The strategy for handling problematic financing at BMT BUS KPU Tuban Branch used a family approach, intensive billing, financing restructuring, collateral takeover, collateral execution and finally if it was not successful with financing elimination.
WAKAF PRODUKTIF DALAM PERSPEKTIF MAQASID SHARI’AH (STUDI TENTANG WAKAF PRODUKTIF DI PMDG PONOROGO) Masruchin; A’yunina Mahanani; Diyah Ekowati
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.79

Abstract

Wakaf is a Maliyah worship that have tight relation with development of umat welfare. It is a worship in the form of social economy. The potential of wakaf is huge nowadays however it does not use optimally yet because of some factors so that it cannot give maximum role in bringing welfare for society and empowering society’s economy. Wakaf does not only support the development of science but also prepare all facilities needed by students of university or society. Modern Boarding School Darussalam Gontor, Islamic boarding school that considered has been successful in organizing productive wakaf to finance itself and because of that, it can be the role model for developing educational institution base wakaf. Most of the result of wakaf used to develop the business and another used for teachers’ welfare and funding institutions of boarding school in shelter of PMDG. Some of the fund also donated to assistance founding of religious social life of society around. As for the concept of wakaf PMDG refers to maqashid – al shari’ah that is in level of law enforcement (tatbiq al hukmi) that is create welfare and avoid mercilessness. Trimutri in his wakaf concept more emphasizes on the welfare aspect aimed to that wakaf is a media to get closer with Allah SWT. It is form of Hajiyyat needs to possess the nature of religion, and give humanity assistance institutionally (at – tahbis), and for education of Islamic boarding school related to the intelligence development, so that it can give advantage optimally for Muslim’s life later.
PENERAPAN AKAD MURABAHAH TERHADAP PRODUK PEMBIAYAAN KPR iB BAROKAH DI BANK JATIM SYARIAH CABANG KEDIRI Nisrina Fajarria Nada
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.80

Abstract

The development of islamic banking in indonesia is a manifestation of the desire of the people who need banks that can provide sound financial services that are guided by sharia principles. In this economic develoment activities, a very important sector that can support success in this achievement is the financial sector. One of them is the bank jatim sharia the kediri branch, which provides financing for people who want to own a house, namely by financing KPR Ib barokah. KPR Ib barokah is a short term financing medium or long term. The purpose of this study is to find out the mechanism of the Ib barokah mortgage financing and whether it is in accordance eith sharia principles. The formulation of the problem taken about how the Ib barokah mortgage financing mechanism and whether the murabahah contract in the Ib barokah mortgage is in accordance with sharia principles. Judging from the result of this study the mechanism is very easy and the conditions that must be met are not complicated and in term of the principles that are carried out, they are in accordance with sharia.
PENGARUH PEMBELAJARAN INSERT EKONOMI SYARIAH, PENGETAHUAN PRODUK, LINGKUNGAN SOSIAL DAN RELIGIUSITAS TERHADAP MINAT MENABUNG DI BANK SYARIAH Nur Lita Faridah; Luqman Hakim; Tri Sudarwanto
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.81

Abstract

This study aims to analyze the effect of the research variables including the insertion of Islamic economics, product knowledge, social environment and religiosity on interest in saving at Islamic banks in high school/MA students at Darul Ulum Islamic Boarding School. This research is a quantitative research using ex-post facto method. The population and sample in this study were students of SMA/MA Darul Ulum Islamic Boarding School class XI IIS with a total of 378 and the number of samples used was 100 students. Data collection techniques using a questionnaire. The data analysis technique used multiple linear regression analysis. The results showed that the insertion of Islamic economics learning and the social environment had a significant effect on students' saving interest in Islamic banks, while product knowledge and religiosity variables had no effect on interest in saving in Islamic banks. Simultaneously, the insertion of Islamic economics learning, product knowledge, social environment and religiosity affect the interest in saving in Islamic banks in the students of the Darul Ulum Islamic Boarding School Jombang.
STRATEGI MENINGKATKAN LOYALITAS DAN KINERJA KARYAWAN (STUDI PADA AYEE CAFE, MOJOROTO, KEDIRI) Sri Hariyanti; Diyan Rizqianto
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.82

Abstract

The role of human resources (HR) in a company is very significant and has enormous potential to carry out company activities. Therefore, humans function as the main driving force in every activity carried out by the company. Therefore, human resources should be empowered as much as possible in order to be able to produce optimal output. Good HR management will also affect the increase in company productivity and profitability. And one way that can be taken is by increasing the loyalty and performance of employees to develop companies. This study uses a qualitative method by taking place at Ayee Cafe, Mojoroto-Kediri. The purpose of this study was to determine the operational management Ayee Cafe and how the strategy is to increase employee loyalty and performance. Ayee cafe has a special way to increase employee loyalty and performance that has been implemented for the last 5 years. Ayee cafe also considers all those involved in helping its business as employees. It's just that the owner's job is to manage the business, if the boss makes himself the owner, there will be no discipline. Because what comes to mind is that the owner's name is only receiving the results, that's what the owner of Ayee Cafe avoids.
QUICK RESPONSE CODE INDONESIA STANDARD (QRIS) SEBAGAI STRATEGI SURVIVE USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI MASA PANDEMI DI KOTA KEDIRI Sri Anugrah Natalina; Arif Zunaidi; Risa Rahmah
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 2 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : 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.v5i2.85

Abstract

One of the impacts of this pandemic is MSME actors who must be prepared for new consumer patterns and behaviors. Adaptation to technological advances must be carried out by MSME actors to be able to survive. Bank Indonesia as Indonesia's central bank made a breakthrough to use QRIS as a way for MSMEs to survive this pandemic. The results of this study were tested using a qualitative approach, with interviewers for MSME actors represented by 5 (five) MSME actors in each sub-district in the city of Kediri. The benefits obtained from QRIS are convenience for transactions with consumers without using cash, and being able to easily implement health protocols with consumers. Meanwhile, the obstacles that occur are internet connectivity that is not smooth, data costs are quite expensive and the perpetrators are not confident. From the Department of Cooperatives and SMEs of Kediri City, there have been many policies that have been carried out to be able to support the suvive of SMEs in Kediri, namely the existence of training and the existence of cooperatives for SMEs. And QRIS in Kediri City showed that as many as 53% expressed interest in using QRIS for their trade transactions.

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