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Elif Pardiansyah
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Equilibrium: Jurnal Ekonomi Syariah
Published by Institut Agama Islam Negeri Kudus
ISSN : 23550228     EISSN : 25028316     DOI : http://dx.doi.org/10.21043/equilibrium.v10i2.16539
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
This journal encompasses original research articles, review articles, and short communications, including: Islamic Accounting, Islamic Bussines Management, Islamic Human Resource Management, Islamic Economics, Islamic Banking and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 225 Documents
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RETRACTED: Determinants Information Disclosure And Responsibility of Financial Statements to Consistency Muzakki
EQUILIBRIUM Vol 9, No 1 (2021): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v9i1.10099

Abstract

The purpose of the research was to decide the impact of data revelation and money-related articulation responsibility on the consistency of paying zakat, infaq, and sadaqah on LAZ in Pekalongan city. This study uses a quantitative approach that utilizes a questionnaire distributed to s 117respondent. The comes about of the think about appearing that data divergence had a critical impact on the consistency of paying zakat, infaq and sadaqah in Pekalongan city as prove by the calculated t esteem more noteworthy than the t table esteem and the noteworthiness esteem underneath 0.05 so that the first hypothesis Ha1 was accepted. Likewise, the accountability variable financial statements also affect the consistency of paying zakat partially tested to receive Ha2. The simultaneous testing that the effect of information disclosure and financial accountability on the consistency of muzakki also influences simultaneously, which is indicated by the F value greater than the F table. The research finding is that information disclosure, and accountability of financial statements have a partial and simultaneous effect on the consistency of paying for ZIS in the usual city of Pekalongan. The originality of research can be seen from the disclosure of information and the responsibility of financial statements to create consistent muzakki paying zakat, which is different from previous research. The practical implication of this research is that amil zakat institutions can use the importance of disclosing information and accountability of financial statements to be more consistent in entrusting their zakat.
Muzakki's Commitment Improvement Model in Distributing ZIS Funds Through Prosocial Values Behavioral Approach
EQUILIBRIUM Vol 9, No 2 (2021): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v9i2.10750

Abstract

The presence of Islamic insurance is an alternative, in order to avoid conventional insurance which is considered to have elements of usury, maytsir, gharar and zholim. In the era of economic disruption, Islamic insurance players and customers are waiting for the direction of strategic policies from the government as regulator and facilitator. The formulation of a sharia insurance development strategy policy begins with analyzing the obstacles to developing sharia insurance in Indonesia. These constraints mean that the number of sharia insurance customers in Indonesia is not maximal. These obstacles include the lack of socialization and promotion, inadequate use of technology, lack of product and service development, lack of knowledge, and the existence of conventional insurance. Based on these constraints, strategies for developing sharia insurance in Indonesia that can be carried out include maximizing socialization and promotion, maximizing the use of technology, developing products and services, increasing literacy, and market penetration. This research is aimed at analyzing the constraints and development strategies of Islamic insurance using a mathematical method, namely the Analytic Network Process (ANP) method, so that policy recommendations are supported by scientific studies. Furthermore, in this study the ANP method was adopted in a survey design involving a number of respondents. The heterogeneity of the assessments of a number of respondents is expected to provide a more rational alternative. The results of the analysis using the ANP method are priority constraints in order to get more attention and priority strategies that can be used to formulate policies to make them more focused.
MANAJEMEN MODAL KERJA, MANAJEMEN SUMBER DAYA INSANI DAN PENDAPATAN WANITA PEDAGANG SAYUR KELILING
EQUILIBRIUM Vol 5, No 1 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i1.2467

Abstract

Community economic activities will be well developed if accompanied by sound capital management and good insani resource management. Management processes that start from planning, organizing, implementing and controlling are the key to success of any micro, small, medium or large business. Working capital management is a management of current assets and liabilities. Working capital management has some important sense for the company. Firstly, working capital shows the size of the company's investment in current assets and claims on the company represented by current liabilities. Secondly, investment in assets liquidity, accounts receivable and inventory are sensitive to the level of production and sales. Insani resource management that is tabliq, sidiq, amanah, fatonah and istiqomah also have important role in realizing business goal that is profit and business survival
PENGARUH MARKETING MIX DAN SYARIAH COMPLIANCE TERHADAP KEPUTUSAN NASABAH MEMILIH BANK UMUM SYARIAH DI KUDUS
EQUILIBRIUM Vol 4, No 1 (2016): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v4i1.1840

Abstract

This study aimed to examine the influence of mix marketing and sharia compliance on customer’s decision in choosing Sharia bank in Kudus. It used purposive sampling method with 120 respondents. Hypothesis testing used multiple linear regression analysis. The analysis of T test showed that product influences the customer’s decision because thitung > ttable (2,239> 1,657), Price influences the customer’s decision because tcount > ttable (2,563> 1, 657). Place influences the customer’s decision because tcount > ttable (2,002> 1, 657). Promotion influences the  customer’s  decision  because  tcount  >  ttable  (4.436>  1,657). Syariah compliance influences the customer’s decision because tcount > ttable (2,072> 1, 657). Based on F test, it indicated that Fcount > Ftable (11 689> 2.290) which means the mix marketing consists of product, price, place, promotion and Sharia compliance significantly influenced the customers’ decision in choosing sharia banks in Kudus.
Anteseden Perilaku Membayar Zakat pada Badan Amil Zakat Nasional di Lumajang
EQUILIBRIUM Vol 8, No 2 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i2.8193

Abstract

This research explains the antecedents of the behavior of paying zakat on the National Zakat Agency by developing Theory of Planned Behavior. The purpose of this study was to determine the effect of attitude, subjective norm, perceived control, trust and religiosity on intention to pay zakat of the Lumajang community at the Amil Zakat Board. This study used a questionnaire that was distributed with accidental sampling technique. The samples in this study were 100 Muzakki and Muzakki Candidates at Baznas in Lumajang. Analysis test using multiple regression. The results of this study indicate that the higher the attitude, subjective norms, trust and religiosity, the more intention to pay zakat on the Amil Zakat Board will increase. In contrast to the perceived control, it has a significant negative effect on intention to pay zakat. This is because the desire of muzakki to distribute zakat directly is greater than to distribute zakat to the amil zakat agency because it is in accordance with their own wishes. The implication of this research is to change the individual's unique behavior of BAZNAS to take a persuasive approach so that gradually the public's perception of the amount of reward if they distribute their zakat directly can change.
MOTIVASI MAHASISWA MENJADI WIRAUSAHA DI KABUPATEN KUDUS: STUDI KOMPARATIF STAIN KUDUS DAN UMK
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i2.726

Abstract

This study explored the entrepreneurial behavior among students at Kudus Regency, Central Java, Indonesia. One hundred students from STAIN Kudus and Muria Kudus University (UMK) were selected using cluster-sampling technique for the investigation. Descriptive statistics and t test technique were used to analyze data. Results revealed that both students at STAIN Kudus  and UMK have high motivation in entrepreuship, however Students at STAIN Kudus have higher motivation than UMK. Implication, limitation and suggestion for future research are discussed.Penelitian ini ingin menguji perilaku berwirausaha diantara mahasiswa di kabupaten Kudus dengan cara membandingkan motivasi berwirausaha mahasiswa ekonomi Islam STAIN Kudus dengan mahasiswa ekonomi UMK. Sebanyak seratus orang dari dua lembaga tersebut diambil menggunakan metode cluster sampling. Hasil penelitian ini dianalisis dengan diskriptif statistik dan t test. Hasilnya menunjukkan bahwa baik mahasiswa STAIN Kudus dan UMK sama sama meiliki motivasi berusaha yang tinggi, tetapi mahasiswa STAIN Kudus memiliki motivasi lebih tinggi. Implikasi, keterbatasan dan saran untuk penelitian selanjutnya disajikan dalam artikel ini.Kata Kunci:  Pelatihan, Budaya organisasi dan efektifitas Kinerja
Adoption of Fintech Services for Sharia Bank Users in Indonesia: An Extended TAM Approach
EQUILIBRIUM Vol 11, No 1 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i1.19641

Abstract

This study proposes a technology acceptance model (TAM) in combination with perceived risk, brand image, sharia compliance, and government support as factors that determine trust to analyze how users adopt fintech services. The research method uses a quantitative approach using non-probability sampling technique. A structured questionnaire was distributed to active customers of Islamic banks in Indonesia, and 357 respondents who met the standards participated. A structural equation model (SEM) was used in the data analysis to test the hypotheses regarding all latent variables and their relationships. The results of the study show that usefulness, ease of use, and brand image of fintech services significantly influence users' attitudes toward fintech adoption. However, trust, perceived risk, and government support do not significantly influence users' attitudes toward adopting fintech. Moreover, attitude and shariah compliance have a significant effect on users' intention to adopt fintech services. This study adds to the existing literature on fintech service adoption by providing a comprehensive overview of the determinants of user attitudes by combining the concepts of trust in fintech services with TAM.
Manajemen Modal Sosial Lembaga Keuangan Mikro Syariah dalam Mewujudkan Kemaslahatan Umat: Studi Pada Baitul Maal Wat Tamwil di Kudus
EQUILIBRIUM Vol 7, No 1 (2019): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i1.5171

Abstract

Baitul Maal Wat Tamwil has been growing as the financial institution from grassroot. This study will describe social capital management of Islamic microfinance to realize ummah maslahah. Data was obtained from five Baitul Maal Wat Tamwil in Kudus that are BMT Mitra Muamalat, BMT Harapan Umat, BMT Amanah, BMT Al Amin, and BMT Mahardika. Informants of this research are managers of each BMT. Social capital management is explained based on some aspects contains vision and mission, customer mapping, handling pattern of customer complaints, social activities, human resources training and development model, and education and socialization model. This research approach is qualitative with natural setting to capture essential problems from research object. However, the findings of this research are: (1) formulate vision and mission represent efforts to integrate organizational resources and social values to community welfare; (2) design of training and development programs for employee to increase human resources comprehension in managing products and contracts, and also principles of Islamic finance; (2) educate society to change conventional mindset into Islamic mindset particularly about justice principle and trustworthy; (3) conduct social responsibility through Baitul Maal with donation, scholarship for poor students, home repair, and other assistances; (4) stand with micro-small enterprises, small traders, traditional market traders, farmer, and factory workers; and (5) design risk management through fund reserve system.
LARANGAN JUAL BELI GHARAR: TELA’AH TERHADAP HADIS DARI MUSNAD AHMAD BIN HANBAL
EQUILIBRIUM Vol 3, No 1 (2015): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v3i1.1277

Abstract

Purchase and sale activity is done for getting profits. But actually, not all that transaction can do it. Exactly, gharar is bringing the loss because it contains deception. Because of that, Prophet Muhammad SAW forbids that activity. That prohibition can found in the hadis of Ahmad bin hanbal musnad. This research purposes to explain the hujjah  of  hadis  of  Ahmad  bin  hanbal  musnad  about  prohibition  of gharar activity. Research method is done by beat out hadis of Ahmad bin hanbal musnad by CD RoM Lidwa Pusaka i-software – Kitab 9  Imam Hadis, then compare it with the other hadis and Al Qur’an. The result of this research shows that the hadis of Ahmad bin hanbal musnad is dha’if hadis, because there is one of rawi is broken. But if it has seen from matan (editorial). That hadis is in line with hadis from Imam Muslim, Abu Dawud, Tirmidzi, Nasa’i and Ibnu Majah which is forbiding gharar. That hadis of Ahmad bin hanbal doesn’t contra with Al-Qur’an and other true theories. So, that hadis can be a hujjah Kegiatan jual beli dilakukan untuk mendapatkan keuntungan.  Namun  pada  kenyataanya  tidak  semua  transaksi  jual beli mendatangkan keuntungan. Jual beli gharar justru menyebabkan kerugian karena mengandung unsur penipuan. oleh karenanya, Nabi Muhammad SAW melarang jual beli tersebut. Larangan tersebut dapat ditemukan dalam hadis dari musnad Ahmad bin hanbal. Penelitian ini bertujuan untuk menjelaskan ke-hujjah-an hadis dari musnad Ahmad bin hanbal mengenai larangan jual beli gharar. Metode penelitian dilakukan dengan menela’ah hadis dari musnad Ahmad bin hanbal melalui CD RoM Lidwa Pusaka i-software – Kitab9 Imam Hadis, kemudian membandingkan dengan hadis-hadis lain dan ayat-ayat dalam al- Quran. hasil penelitian ini menunjukan hadis dari musnad Ahmad bin hanbal tersebut merupakan hadis dha’if (lemah), karena ada satu rawi yang terputus. Akan tetapi, jika dilihat dari kandungan matan (redaksi), hadis tersebut sejalan dengan hadis yang diriwayatkan oleh Imam Muslim, Abu Dawud, Tirmidzi, Nasa’i dan Ibnu Majah yang melarang jual beli gharar. hadis yang diriwayatkan oleh Ahmad bin hanbal tersebut juga tidak bertentangan dengan al-Qur’an dan dalil-dalil lain yang shahih. Dengan demikian hadis ini dapat dijadikan sebagai hujjah.
Analisis Resiko Pembiayaan dan Resolusi Syariah pada Peer-To-Peer Financing
EQUILIBRIUM Vol 8, No 1 (2020): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v8i1.6558

Abstract

This paper aims to discuss the implementation of Islamic fintech financing  and the risks that potentially occur in Indonesia. Islamic fintech operational activities with a peer-to-peer (P2P) financing model and risk mitigation that can be done to minimize risk  in Indonesia which makes MSME the main market segment. Furthermore, this study will discuss the development of Islamic fintech in Indonesia and more specifically its contribution nationally. This research will use a case study of one of the P2P platforms that was once awarded as the best Sharia fintech in providing services to MSMEs in Indonesia. Finally, it will be closed with sharia resolution in solving problem financing. This paper contributes to the development of sharia fintech because it provides an overview of the differences between sharia fintech risks and other sharia financial institutions because sharia fintech places more emphasis on risk sharing and does not make financial intermediation institutions as the single largest insurer of liquidity risk.

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