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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 227 Documents
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OPTIMALISASI PERAN DOMPET DHU’AFA REPUBLIKA DALAM PENGEMBANGAN EKONOMI UMAT Kasdi, Abdurrahman
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.v2i2.722

Abstract

 Sejalan dengan semangat kedermawanan umat Islam, filantropi Islam di Indonesia tengah mengalami perkembangan signifikan. Filantropi Islam dalam bentuk zakat, infak, sedekah dan wakaf telah ikut berjasa dalam pembangunan bangsa dan pengembangan ekonomi umat. Filantropi ini tidak hanya mewujud dalam sumbangan-sumbangan dadakan, melainkan dikelola secara kelembagaan. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan fenomenologis. Sedangkan metode kajian yang dipakai adalah metode kajian eksplanatif-analitis. Dengan pendekatan ini peneliti berusaha memahami optimalisasi peran Dompet Dhu’afa (DD) REPUBLIKA dalam pengembangan ekonomi umat. Potensi filantropi Islam ini ditandai dengan meningkatnya antusiasme umat dalam berfilantropi dan dipengaruhi oleh revitalisasi visi dunia filantropi Islam, yang mencoba mentransformasikan paradigma lama filantropi dengan paradigma baru yang lebih kreatif dan inovatif. Selain itu, terdapat suatu tujuan yang positif mengenai konsep keadilan sosial yang berdasarkan kesetaraan hak dan pemerataan kesejahteraan yang terintegrasi dalam konsep maupun praktik filantropi Islam dalam peran yang dimainkan oleh Dompet Dhu’afa (DD) REPUBLIKA.Kata Kunci: Kesejahteraan, Ekonomi, Karitatif, Civil SocietyThe spirit of generosity and Islamic philanthropy in Indonesia have significant growth. Islamic philanthropy in the form of charity, donation, charity and endowments have participated instrumental in the nation building and the economic development. Philanthropy is not only for consumptions but also productive activities. This study used a qualitative research method with a phenomenological approach. While the assessment method used is an explanatory analytical method. This study try to understand the role Dompet Dhu'afa (DD) REPUBLIKA in the development of poor people. Potential Islamic philanthropy is characterized by an increased enthusiasm people in giving and also influenced by Islamic philanthropy revitalization vision of the world, which tries to transform the old paradigm of philanthropy with a new paradigm that is more creative and innovative. In addition, there is a positive goal of the concept of social justice based on equal rights and equal distribution of welfare are integrated in the concept and practice of Islamic philanthropy in the role played by Dompet Dhu'afa (DD) REPUBLIKA.Keywords: Welfare, Economics, charity, Civil Society
From Heart to Heart: An Empirical-Synthesis of a Muslim’s Donation Cycle Faza, Firdan Thoriq; Indriani, Astiwi
EQUILIBRIUM Vol 10, No 2 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i2.16805

Abstract

This research contributes to the theory of giving behavior from the perspective of Islamic religiosity by describing how an individual Muslim makes donations from the initial intention, manages their finances and savings, and impacts their intrinsic satisfaction and religious beliefs. Descriptive qualitative research was conducted with case studies to describe the dynamics of a series of decisions made by individuals based on their experience of giving donations. The analytical methodology uses a descriptive qualitative narrative type technique taken from in-depth interviews until the data sample is saturated by respondents in Semarang, Indonesia. Twelve respondents were selected based on their experience in donating, the amount of the donation and the variation in their ages. The study results show that individuals who have religious awareness will have a strong desire to help other people or their community because they comply with religious observance guidelines. In addition, donations are helpful because they can provide an experience of gratitude, intrinsic satifaction, creating a sense of security from evil to have a continuous donation cycle. This research produces a synthesis in a cycle model between religiosity, donation, and intrinsic satisfaction.
KRITERIA PEMILIHAN LEMBAGA WAKAF DI INDONESIA: PENDEKATAN MULTICRITERIA DECISION MAKING Rusydiana, Aam Slamet
EQUILIBRIUM Vol 6, No 2 (2018): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v6i2.3725

Abstract

Islamic finance is also known as a social financial entity that also has an equally important role for public benefit. One of Islamic social financial instrument is waqf. Typically, waqf or endowments are managed by an institution known as nadzir or the management of waqf. This study tries to analyze the preferences and behavior of criteria for selection of waqf institution or nazhir waqf in Indonesia through the multicriteria decision making method known as Analytical Network Process (ANP) approach.The results conclude that the most priority criteria that influence the selection of waqf institution in Indonesia are financial transparency/accountability and innovative program. Therefore, waqf managers or nazhir must always be trustworthy and fully responsible for managing funds and endowments. In addition, professional and innovative managers are needed in managing waqf objects.
DETERMINAN TOTAL ASET BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI JAWA TENGAH
Equilibrium: Jurnal Ekonomi Syariah 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.v3i1.1273

Abstract

BPR Syariah need to be supported   with the significant growth of assets, because it will make BPR Syariah more solid and stronger in Central Java. This article aims to determine the influence of factors Financing of Third Party Fund (DPK), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) to total assets of BPR Syariah in Central Java. The study  used a quantitative method using multiple linear regression  with the least squares method or the Ordinary Least Square (OLS). The results showed that simultaneous factor Financing of Third Party Fund (DPK), Financing to Deposit Ratio (FDR), and Non Performing Financing (NPF) significantly affects to total assets of Islamic rural banks in Central Java. While partially, factor Financing and Third Party Fund (DPK) significant positive effect on the total assets of Islamic rural banks in Central Java. Untuk menciptakan BPR Syariah yang kokoh dan kuat di Jawa Tengah perlu didukung dengan pertumbuhan aset yang cukup signifikan sehingga dapat meningkatkan kepercayaan masyarakat yang tinggi terhadap BPR Syariah. Artikel ini bertujuan untuk mengetahui pengaruh faktor-faktor Pembiayaan, Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), dan Non Performing Financing (NPF) terhadap total aset BPR Syariah di Jawa Tengah. Metode kajian yang  digunakan  adalah  kuantitatif  dengan   model   regesi   linier ganda dengan metode kuadrat terkecil atau Ordinary Least Square (oLS). hasil penelitian menunjukkan bahwa secara simultan faktor Pembiayaan, Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), dan Non Performing Financing (NPF) berpengaruh signifikan terhadap total aset BPR Syariah di Jawa Tengah. Sedangkan secara parsial, faktor Pembiayaan dan Dana Pihak Ketiga (DPK) berpengaruh positif signifikan terhadap total aset BPR Syariah di Jawa Tengah.
PENGARUH WORD OF MOUTH, CITRA DESTINASI DAN BRAND IMAGE TERHADAP KEPUTUSAN KONSUMEN DALAM MEMILIH LEMBAGA KURSUS BAHASA ARAB DI KOTA PARE - KEDIRI Ruhamak, Muhammad Dian; Rahmadi, Afif Nur
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.v7i1.8066

Abstract

This study aims to determine how much influence word of mouth, destination image and brand image have on consumer decisions. The population in this study were consumers, namely students who carried out Arabic language courses in the city of Pare, Kediri, as many as 81 respondents, because the population was less than 100, all of them were taken so this research is also called a census research. Sampling using non-probability sampling techniques. Data collection techniques used interviews, literature studies and questionnaires, while for data analysis using the validity and reliability of the questionnaire items, multiple linear regression analysis and proving hypotheses and drawing conclusions, were used, partial hypothesis testing with T test, simultaneous hypothesis testing with F test and the coefficient of determination. The test results show that Word of Mouth has a significant effect on consumer decisions, as evidenced by the results of sig.0.007 <0.05 and t count (2.772)> t table (1.98). Destination image has a significant effect on Consumer Decisions, as evidenced by the results of sig.0.002 <0.05 and t arithmetic (3.183)> t table (1.98). Brand Image has an effect on Consumer Decisions, as evidenced by the results with sig. 000 <0.05 and t count (9,517)> t table (1.98). Brand Image has the most dominant influence on Consumer Decisions, as evidenced by the results of the greatest calculation value of the other variables.Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh word of mouth, citra destinasi dan brand image terhadap keputusan konsumen. Populasi dalam penelitian ini adalah konsumen yaitu pelajar yang melaksanakan kegiatan kursus Bahasa arab di kota pare kabupaten Kediri sejumlah 81 orang responden, oleh karena jumlah populasi kurang dari 100 maka diambil seluruhnya sehingga penelitian ini juga disebut sebagai penelitian sensus. Pengambilan sampel menggunakan teknik non-probability sampling. Teknik pengumpulan data menggunakan wawancara, studi pustaka serta kuesioner, sedangkan untuk analisis data menggunakan uji validitas dan reliabilitas item kuesioner, analisis regresi linear berganda dan pembuktian hipotesis dan penarikan kesimpulan, digunakan, uji hipotesis secara parsial dengan Uji T, hipotesis secara simultan dengan Uji F serta koefisien determinasi. Hasil pengujian menunjukkan bahwa Word of Mouth berpengaruh signifikan terhadap Keputusan Konsumen, dibuktikan dengan hasil sig.0,007< 0,05 dan t hitung (2,772)> t table (1,98). Citra destinasi berpengaruh signifikan terhadap Keputusan Konsumen, dibuktikan dengan hasil sig.0,002<0,05 dan t hitung(3,183)>t tabel(1,98). Brand Image berpengaruh terhadap Keputusan Konsumen, dibuktikan dengan hasil dengan sig.0,000<0,05 dan t hitung(9,517)>t table (1,98). Brand Image berpengaruh paling dominan terhadap Keputusan Konsumen, dibuktikan dengan hasil nilai perhitungan yang paling besar dari variabel lainnya.
ANALISIS PENGARUH RETURN ON ASSET (ROA), BOPO DAN BI-RATE TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2012 – 2013
Equilibrium: Jurnal Ekonomi Syariah Vol 2, No 1 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i1.713

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Return on Asset (ROA), BOPO dan BI rate terhadap tingkat bagi hasil deposito mudharabah. Populasi dalam penelitian ini adalah bank syariah di Indonesia. Populasi penelitian ini adalah 11 bank syariah dan total sampel yang digunakan 7 bank. Dalam menentukan sampel menggunakan random sampling dengan kriteria Bank Syariah yang mengeluarkan laporan keuangan triwulanan secara lengkap pada tahun 2012-2013. Teknik analisis yang digunakan dalam penelitian ini adalah regresi linier berganda agar mendapatkan gambaran yang komprehensif tentang hubungan antara variabel yang satu dengan variabel lainnya. Selain itu, uji hipotesis yang digunakan adalah uji statistik t untuk menguji koefisien regresi parsial dan uji F-statistik untuk menguji signifikansi secara simultan dengan tingkat signifikansi 5%. Uji asumsi klasik yang meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas dan uji autokorelasi juga digunakan dalam penelitian ini. Hasil penelitian ini menunjukkan bahwa ROA, BOPO, dan BI Rate secara simultan berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah. ROA dan BI rate secara parsial berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah. Sedangkan BOPO secara parsial tidak berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah.Kata Kunci : ROA, BOPO, BI-Rate, Bagi Hasil Deposito MudharabahABSTRACT : This study aims to analyze the effect of Return on Asset (ROA), BOPO, BI rate to the the level of profit sharing mudharabah deposits. The population in this study is a Islamic bank in Indonesia. The population of this study were 11 Islamic banks and the total sample of 7 banks. In purposive sampling using random sampling with criteria of Islamic Banks serving quarterly financial statements in the year 2012-2013. The analysis technique used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between variables that one with the other variables. In addition, the hypothesis test used was the t test statistic for testing the partial regression coefficient and test F-statistic for testing significance together with the significance level of 5%. Classic assumption test covering normality test, multicollinearity, heteroscedasticity test, and the autocorrelation test is also used in this study. The results of this study indicate that ROA, BOPO, and BI Rate simultaneously have significant effect on the level of profit sharing mudharabah deposits. ROA and BI Rate is partially have significant effect on the level of profit sharing mudharabah deposits. While the partial BOPO haven’t significant effect of the level of profit sharing mudharabah deposits.Keywords : Return on Assets (ROA), BOPO, BI Rate, Profit Sharing Deposist Mudharabah
Islamic Commercial Bank Customer Loyalty with Customer Satisfaction as An Intervening Variable
Equilibrium: Jurnal Ekonomi Syariah Vol 10, No 1 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i1.15901

Abstract

This study sought to examine and evaluate the elements that affect customer loyalty in Islamic commercial Banks, using a quantitative associative method and intervened by customer satisfaction variable. The distribution of survey questions was utilized to collect data. SEM PLS ver.3 Software is used to process and analyze the data. According to the findings, customer loyalty was influenced by brand equity and customer satisfaction. However, customer loyalty was not influencing customers among ICBs. Theoretically, this study implies that banking awards and client pride make it easier for consumers and potential customers to learn about the quality of ICBs’ products and services and trust them. It indicates that the public believes the services offered by ICBs to be of average quality, falling short of excellence. Therefore, ICBs must increase banking awards and client pride to make it easier for clients and prospective consumers to recognize and trust the quality and services.
PENGARUH BRAND IMAGE dan KEPERCAYAAN TERHADAP LOYALITAS NASABAH PT. BNI SYARIAH CABANG FATMAWATI JAKARTA Mulazid, Ade Sofyan
EQUILIBRIUM Vol 6, No 1 (2018): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v6i1.3086

Abstract

AbstakPenelitian ini dilakukan untuk menganalisis pengaruh Brand Image dan Kepercayaan Terhadap Loyalitas Nasabah Pada PT. BNI Syariah Cabang Fatmawati. Penelitian ini menggunakan teknik random sampling dengan 100 responden nasabah PT. BNI Syariah Cabang Fatmawati. Metode analisis yang digunakan dalam penelitian ini yaitu Analsisi Regresi Berganda.Hasil temuan dari penelitian ini menunjukkan bahwa Brand Image dan Kepercayaan secara individual berpengaruh signifikan terhadap loyalitas nasabah. Sedangkan secara simultan, brand image dan kepercayaan berpengaruh signifikan terhadap loyalitas nasabah. Dari nilai (R Square) menunjukkan bahwa loyalitas nasabah dapat dijelaskan oleh brand image dan kepercayaan sebesar 83,6, sedangkan sisanya 16,4% dipengaruhi oleh variabel lain yang tidak diketahui dalam penelitian ini.
PENGARUH MODAL SOSIAL, KEARIFAN LOKAL, RELIGIUSITAS DAN FAKTOR EKONOMI TERHADAP KEPATUHAN SYARIAH PARA NASABAH PEMBIAYAAN BPRS DI YOGYAKARTA Muhamad, Muhamad; Triwulandari, Andriyani
EQUILIBRIUM Vol 3, No 2 (2015): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v3i2.1264

Abstract

The aim of this study was to determine the effect of social capital, local wisdom, religiosity, and economic factors on adherence of sharia financing customers in BPRS in Yogyakarta. Data obtained by questionnaire and analyzed using regression. The results showed that there is influence significantly the simultaneous between social capital, local wisdom, religiosity, and economic factors on adherence of sharia financing customers in BPRS Yogyakarta. The influence of social capital, local wisdom, religiosity, and economic factors on adherence of sharia financing customers in BPRS Yogyakarta is 24.9%. While the remaining75.1% is explained by other causes beyond the research model. other causes include external situations clients, socio-economic conditions (such as price increases in fuel, electricity, etc.), political conditions (such as the turn of the Regional head and others), and regulations (such as a change or an increase in interest rates SBI). Tujuan dari penelitian ini adalah untuk mengetahui pengaruh   modal   sosial,   kearifan   lokal,   religiusitas,   dan   factor ekonomi terhadap kepatuhan syariah para nasabah pembiayaan di BPRS di yogyakarta. Data diperoleh dengan kuesioner dan dianalisis dengan menggunakan regresi. hasil kajian menunjukkan bahwa ada pengaruh signifkan secara simultan antara modal sosial, kearifan lokal, religiusitas, dan faktor ekonomi terhadap kepatuhan syariah para nasabah pembiayaan di BPRS yogyakarta. Pengaruh modal sosial, kearifan lokal, religiusitas, dan faktor ekonomi terhadap kepatuhan syariah para nasabah pembiayaan di BPRS yogyakarta adalah 24,9%. Sementara sisanya 75,1% dijelaskan oleh sebab-sebab lain di luar model penelitian. Penyebab lainnya diantaranya adalah situasi eksternal nasabah, kondisi sosial-ekonomi (seperti kenaikan harga BBM, tarif listrik,  dan  lain  sebagainya),  kondisi  politik  (seperti  pergantian Kepala Daerah dan yang lain), dan regulasi (seperti perubahan atau peningkatan suku bunga SBI).
ANALISIS PENGELOLAAN DANA HAJI PADA PT. BANK ACEH SYARIAH Zainul, Zaida Rizqi; Khairannis, Khairannis
EQUILIBRIUM Vol 7, No 2 (2019): EQULIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v7i2.5757

Abstract

Since the transfer of hajj funds from the Ministry of Religion to BPKH, BPKH has managed haj funds, one of which is by placing on Islamic bank products. The Islamic banks selected as managers and recipients of Hajj fund deposits are 31 Islamic banks. One of them is Bank Aceh Syariah. This study aims to determine the management of Hajj funds in Bank Aceh Syariah. The method used is descriptive analysis with a qualitative approach. The results of this study indicate that the management of Hajj funds at PT. Bank Aceh Syariah uses the wadiah yad dhamanah contract. Hajj funds at Bank Aceh Syariah are channeled to financing products so that they can be useful to increase profitability and maintain the liquidity of Aceh's banks. In addition, pilgrims also benefit in the form of returns from the management of the pilgrimage fund which is used to subsidize the pilgrimage departure funds of pilgrims. 

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