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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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STRATEGI PENANGANAN RISIKO PEMBIAYAAN MURABAHAH PADA BMT Se-KABUPATEN DEMAK Fikruddin, Tahta; Mufid, Fathul
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.v3i2.1261

Abstract

Awareness of the risks are well understood is an integral part of efforts to optimize the benefits of a business, especially in the business in the financial sector. The purpose of this study was to determine the risk management and strategies to deal with it in a murabaha financing which occurs in BMT Se Demak. Qualitative approach used in this study. While the data obtained through interviews, observation, and documentation. The results showed that the application of murabaha financing risk management is effective with little evidence BMT NPF. In addition, the strategies used to minimize the risk of murabaha financing is by means of transcendental in risk management. When, internal barriers facing employees BMT is a lack of focus in the analysis, while the external obstacle is the customer had less good faith and entered banking in rural areas.: Kesadaran memahami risiko dengan baik merupakan suatu bagian yang tidak terpisahkan dari upaya untuk mengoptimalkan keuntungan suatu bisnis, apa lagi dalam bisnis di sector keuangan. Tujuan penelitian ini adalah untuk mengetahui manajemen risiko dan strategi untuk menghadapinya dalam pembiayaan murabahah yang terjadi di BMT Se Kabupaten Demak. Pendekatan kualitatif digunakan dalam penelitian ini. Sedangkan data diperoleh dengan wawancara, observasi, dan dokumentasi. hasil penelitian menunjukkan bahwa aplikasi manajemen risiko pembiayaan murabahah berjalan efektif dengan bukti NPF BMT yang kecil. Selain itu, strategi yang digunakan untuk meminimalkan resiko pembiayaan murabahah adalah dengan cara transcendental dalam pengelolaan resiko. Manakala, hambatan internal yang dihadapi BMT adalah kurang fokusnya karyawan dalam analisa, sedangkan hambatan eksternalnya adalah nasabah punya iktikad kurang baik serta masuk perbankan di pedesaan.
KEWIRAUSAHAAN MAHASISWA DI IAIN LAMPUNG Dermawan, Oki
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i1.204

Abstract

Entrepreneurship provide many benefits for students such as: 1. Creative thinking skills, combining imagination with scientific thinking skills, 2. Skills in Decision Making, at any time during the life one has to hold elections among alternatives, 3. Leadership skills . learn to have a strong personality , then someone will have the skills to lead yourself . 4 . Managerial skills, however, entrepreneurs must be able to manage all resources , both material resources and personnel to achieve success . skilled in planning , skilled in organizing , entrepreneurial guidance may hold or control, is able to conduct an assessment of the implementation, 5.Interpersonal skills or Human relations. Theoretical approach are given to students with a practical approach should be replaced, because the public wants a business man, not bisnis expert, and should be doing. informal coaching , which is important in this process is the formation of entrepreneurial character, with informal coaching will more effective in shaping a person’s character than formal guidance that predominantly affects IQ.
Factor Affecting Sharecropping System in East Java: an Islamic Prespective Analysis
Equilibrium: Jurnal Ekonomi Syariah 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.v9i2.12237

Abstract

This research aims to understand the relationship between socioeconomic factors, production, transparency with religiosity. The effects of socio-economic factors, production, transparency, and religiosity on the sharecropping contract system. Design/methodology/approach: The author has administered a survey to 800 respondents. The respondents were asked to give their responses based on a five-point Likert scale. The data has been tested with SEM to show the relationship between the various factors. Finding: SEM results show that H1 is not supported while H2, H3, H4, H5, H6, and H7 are supported. Findings show that religiosity impacts the sharecropping system while the interaction between religiosity and transparency on the sharecropping system is significantly negative. Therefore, the current sharecropping contract system in East Java does not operate following Islamic values.
MANAJEMEN WAKAF PRODUKTIF: Studi Analisis Pada Baitul Mal Di Kabupaten Kudus Sa'adah, Nailis; Wahyudi, Fariq
EQUILIBRIUM Vol 4, No 2 (2016): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v4i2.1952

Abstract

The purpose of this study was to analyze the funding management, development management, utilization management and reporting management of productive ‘waqf’/endowment in Baitul Mal Kudus. This study was a qualitative research and data were collected through interviews, observation and documentation. The results showed that based on productive endowment is part of management system. It can be seen if human resources are skillful and professional in managing endowments, the productivity of endowments funding and development will be increased and can include broader utilization in both usage and distribution of endowment property. Baitul Mal which develops the endowments will have major contributions to the society in education, economy, health or other social helps.
Sertifikasi Produk Halal oleh BPJPH DIY dengan Pendekatan Ekonomi Politik Perspektif Maqasid Syariah
Equilibrium: Jurnal Ekonomi Syariah 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.v9i1.9783

Abstract

This research aimed to observe how the model of halal certification of BPJPH DIY from maqasid syariah with the political-economic approach. This study is field research with the political-economic approach and consisted of four informants with data collection techniques through interview and documentation tracing. The data analysis included data condensation, data presentation, and conclusion. Based on the results of the research in the field, it was found that the model of halal certification by BPJPH DIY in the implementation of halal certification had a task to accept the registration and issue the halal certification. Meanwhile, the implementation of halal standardization still used the reference of SJH LPPOM MUI. The cost for halal certification for the category of SMEs will be the responsibility of the state. In addition, there were two posts of payment account: BPJPH and LPH (LPPOM).  As seen from a political-economy approach, the existence of BPJPH has brought the interest of ideology, power, and economy. The business actors consider that BPJPH halal certification is in two-way form, both in the administrative process and certification cost. In the perspective of maqasid sharia, to secure the value of human life, society, and the environment is fulfilled; meanwhile, to secure human him/herself has not been fulfilled yet.
PRODUK BANK SYARIAH SEBAGAI UPAYA UNTUK MENINGKATKAN LOYALITAS NASABAH KSPS PATI Nailal Muna, Muhammad Afif; Kuncoro, Amin
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.v4i1.1839

Abstract

This study aimed to test the loyalty of KSPS customers by maximizing the product of sharia banks. It used descriptive quantitative research to collect primary data as the data source. The populations of this study were all KSPS clients, while the sample collection technique used non-probability sampling with accidental sampling type, so the respondents were 100 active customers. The results of this study showed that the products of sharia banks are able to give contribution to the customers’ loyalty in KSPS. Empirically,t-value is greater than t table and significant value is less than 5%. It proves that customers dare to give information to friends, especially if they would make a transaction, either saving or borrowing using the contract in accordance with Islam so it will bee free from usury things.
Pengungkapan CSR Bank Syariah: Studi Komparasi Indonesia dan Malaysia Utami, Cahyaning Budi
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.v8i2.8165

Abstract

Penelitian ini bertujuan untuk mengetahui perbedaan pengungkapan CSR bank syariah di Indonesia dan Malaysia. Data yang digunakan dalam penellitian ini adalah laporan tahunan bank syariah yang telah diterbitkan di website, dianalisis menggunakan metode content analysis dan dilakukan uji mann-whitney untuk melihat signifikansi perbedaan. Hasil dari penelitian ini menunjukkan terdapat perbedaan signifikan antara pengungkapan CSR bank syariah di Indonesia dan Malaysia. Hal ini disebabkan karena perbedaan regulasi mengenai hal yang harus diungkap di laporan tahunan. Hasil ini sekaligus menandakan perlunya harmonisasi pengungkapan CSR bank syariah di kancah internasional untuk menunjukkan bahwa bank syariah telah berjalan sesuai prinsip syariah dan beretika. This study aim to describe the difference CSR disclosure between islamic bank in Indonesia and Malaysia. Data used in this research is annual report of islamic banks’s which is published in their website, analyze using content analysis method and execute mann-whitney test to find out the difference. The result of this research show the significance difference on CSR disclosure between islamic bank in Indonesia and Malaysia. This is due to the differences in regulations regarding what must be disclosed in the annual report. This results also indicate the need for harmonization of CSR disclosures for Islamic banks in the international level to show that Islamic bank accordingly have run in sharia principles and ethics.
PENGARUH PSYCHOLOGICAL ATTACHMENT DALAM PENGGUNAAN SISTEM INFORMASI Rahmawaty, Anita
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.v2i2.725

Abstract

This research investigates the effect of psychological attachment on the information system usage behaviors. This research is different from previous studies by integrating the variable of psychological attachment (internalization, identification and compliance) with Technology Acceptance Model (TAM). There are eight variables in this study, namely the perceived usefulness, perceived ease of use, psychological attachment (internalization, identification and compliance), attitude toward using, behavioral intention and actual use.This research is a type of survey research by using a quantitative approach. The research data are obtained from 117 students in Yogyakarta, by using random sampling technique. For research model testing technique, it used the multiple linear regression approach. The research's findings include three items. First, perceived ease of use, identification and compliance are positively and significantly effect on attitude toward using. Second, attitude toward using, identification and compliance are positively and significantly effect on behavioral intention. Third, behavioral intention is positively and significantly effect on information system usage behaviors. Finally, the research findings suggested that psychological attachment (identification and compliance) are the important variables that effect on information system usage behaviors.Keywords: Psychological attachment, technology acceptance model, information system.Penelitian ini menganalisis pengaruh psychological attachment terhadap perilaku penggunaan sistem informasi. Penelitian ini berbeda dengan riset terdahulu dengan mengintegrasikan variabel psychological attachment (internalization, identification dan compliance) dengan Technology Acceptance Model (TAM). Terdapat 8 variabel dalam penelitian ini, yaitu perceived usefulness, perceived ease of use, psychological attachment (internalization, identification dan compliance), attitude toward using, behavioral intention dan actual use.Penelitian ini merupakan penelitian survey dengan menggunakan pendekatan kuantitatif. Data penelitian dikumpulkan dari sebanyak 117 mahasiswa di Yogyakarta dengan menggunakan teknik simple random sampling. Sementara itu, teknik analisis datanya menggunakan uji regresi linier berganda.Temuan penelitian ini menunjukkan bahwa: 1) perceived ease of use, identification dan compliance berpengaruh secara positif dan signifikan terhadap sikap; (2) attitude toward using, identification dan compliance berpengaruh secara positif dan signifikan terhadap minat perilaku; (3) Minat perilaku berpengaruh secara positif dan signifikan terhadap perilaku penggunaan sistem informasi. Dengan demikian, temuan penelitian ini menunjukkan bahwa psychological attachment (identification dan compliance) merupakan variabel penting yang mempengaruhi perilaku penggunaan sistem informasi.Kata Kunci :  Psychological attachment, technology acceptance model, sistem informasi.
Trust Mediates Religious Commitment and Halal Cosmetics Consumption: A SEM Analysis Razak, Syaparuddin
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.v11i1.19401

Abstract

The main purpose of this study is to contribute to the literature by focusing on the relationship between religious commitment and halal cosmetics consumption and identifying the mediating effect of middle-class Muslim females’ trust on halal cosmetics consumption. We used structural modeling (Lisrel) in investigating these relationship and applied non-probability convenience sampling to administer questionnaires among 450 middle-class Muslim female respondents currently living in South Sulawesi, Indonesia. The results showed that the direct effect of religious commitment, ability, benevolence, and integrity on trust showed T-Values of 1.71, 2.61, -1.92. These indicate that only ability has a significant and positive effect on trust, but the direct effect of trust, religious commitment, ability, benevolence, and integrity on halal cosmetics consumption showed T-Values of 4.11, 1.71, 2.60, -2.12. These indicate that only trust and ability have significant and positive effects on halal cosmetics consumption. Meanwhile the mediating role of trust showed T-Values of 1.41, 2.79, -2.12, and 1.86. These indicate that trust was significantly and positively found in mediating the relationship between ability and halal cosmetics consumption, but in the relationship between benevolence and halal cosmetics consumption, it was also significantly found but negatively.
KINERJA KEUANGAN SESUDAH DAN SEBELUM SPIN OFF UNIT USAHA SYARIAH KE BANK UMUM SYARIAH Kuncoro, Amin; Yulianto, Heru
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.v6i2.4784

Abstract

 This study aims to distinguish between conventional banks and Islamic banks before and after Spin Off. The population and samples are Islamic banks in 2011 - 2013 before spin off and 2013 - 2016 after the spin off totaling 5 banks. The design of this study uses descriptive analytics, with the results of the study there are differences in Islamic banks that do spin offs.

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