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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 168 Documents
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MOTIVASI MAHASISWA MENJADI WIRAUSAHA DI KABUPATEN KUDUS: STUDI KOMPARATIF STAIN KUDUS DAN UMK
Equilibrium: Jurnal Ekonomi Syariah 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
Manajemen Modal Sosial Lembaga Keuangan Mikro Syariah dalam Mewujudkan Kemaslahatan Umat: Studi Pada Baitul Maal Wat Tamwil di Kudus
Equilibrium: Jurnal Ekonomi Syariah 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: 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.v3i1.1277

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.
PENGEMBANGAN PRODUK-PRODUK LEMBAGA KEUANGAN MIKRO SYARIAH
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.v2i1.717

Abstract

Islamic microfinance institutions is one of the pillars in the financial intermediation process. Microfinance is needed by small and medium-sized communities both for consumption and production, and also save the results of their efforts. This study aims to determine the theoretical foundations associated with the development of products Islamic microfinance institutions. The results showed that the development of products LKMS through enterprise planning process to determine the market demand, establish a strategic decision in the formation of products, improve the product, even to innovate new products as an effort to improve the quality of services and products LKMS services. Through Islamic principles in product development stage, the products can provide variation LKMS lawful and good for the benefit of society in general. Efforts related to the development of performance management products generate LKMS lead to the implementation of activities in the form of an increase in the product. It is as a form of improving managerial quality in LKMS.Keywords: Product Development and Microfinance Institutions ShariaLembaga keuangan mikro syariah merupakan salah satu pilar dalam proses intermediasi keuangan. Keuangan mikro dibutuhkan oleh kelompok masyarakat kecil dan menengah baik untuk konsumsi maupun produksi serta juga menyimpan hasil usaha mereka. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait dengan pengembangan produk-produk lembaga keuangan mikro syariah. Hasil penelitian menunjukkan bahwa pengembangan produk-produk LKMS melalui proses perencanaan perusahaan untuk mengetahui keinginan pasar, menetapkan keputusan yang strategis dalam pembentukan produk, memperbaiki produk, bahkan membuat inovasi produk-produk baru sebagai upaya peningkatan kualitas layanan dan produk jasa LKMS. Melalui prinsip syariah pada tahapan pengembangan produknya, maka produk-produk LKMS dapat memberikan variasi yang halal dan baik untuk kemaslahatan masyarakat secara umum. Upaya yang berkaitan dengan pengembangan produk menghasilkan kinerja manajemen LKMS mengarah pada pelaksanaan kegiatan berupa peningkatan produk. Hal ini sebagai wujud meningkatkan kualitas manajerial di LKMS. Kata Kunci: Pengembangan Produk dan Lembaga Keuangan Mikro Syariah
Extraction Mudarabah from IFI: Reposition of Mudarabah as a Cooperation System of Islamic Socio-Economics
Equilibrium: Jurnal Ekonomi Syariah 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.v10i2.15590

Abstract

Mudarabah is the core of the Islamic cooperation system, which is expected to improve people's welfare. Its practice in Islamic Financial Institutions (IFI) has not realized that goal. One reason is forcing this system to become a profit-oriented formal financial institution. This paper aims to reveal the problems of the institutionalization of mudarabah and attempt to reposition it from IFI to a cooperation system of Islamic socio-economic so that the lofty goals of this system can be realized. This research uses literature and field studies. Data mining techniques use documentation, interviews, and participant observation. The research findings show that four aspects are applied in worksheets that conflict with the essential characteristics of mudarabah, namely, capital and determination of profit sharing, business management, determination of business period, and guarantees. Efforts to reposition mudarabah into the cooperation system of Islamic socio-economic are carried out by removing mudarabah from the IFI and allowing it to become a cultural system that facilitates community needs in economic interaction or to become a cooperation system within the Baitul Mal which positions the Baitul Mal as nothing more than a facilitator that brings together sahibul mal and mudarib.
KONSEP KESEJAHTERAAN DAlAM ISLAM
Equilibrium: Jurnal Ekonomi Syariah 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.v3i2.1268

Abstract

Among the aspects that are often used as indicators of welfare measure are income, population, health, education, employment, consumption, housing, and social culture. If we use indicators will arise the question of whether the fulfillment of the indicators that a person would have to obtain welfare, why some people already have the luxury homes, vehicles, deposits and various forms of other properties should feel restless, uneasy, frightened, even there ended his life by suicide. Based on the above facts, it seems there is a lack in measuring the welfare of society. In Islamic economics, happiness is given by Allah. to anyone (male and female) who want to do good deeds along with faith in Allah. As mentioned by Allah. In Surah An-Nahl verse while the three indicators to measure welfare and happiness is a mental formation (tawhid), consumption, and the loss of all forms of fear and anxiety, as mentioned Allah. In verses 3-4 Quraish letter. As for the social concern that represented by zakat has a great potential in this country, and if it can be realized, zakat is a factor that contributes greatly to the economy of the community, especially for rural people.Di antara aspek yang sering digunakan sebagai indikator ukuran kesejahteraan adalah pendapatan, populasi, kesehatan, pendidikan,  pekerjaan,  konsumsi,  perumahan,  dan  sosial  budaya. Jika kita menggunakan indikator akan timbul pertanyaan apakah pemenuhan indikator bahwa seseorang harus mendapatkan kesejahteraan, mengapa beberapa orang sudah memiliki rumah mewah, kendaraan, deposito dan berbagai bentuk properti lainnya harus merasa gelisah, takut, bahkan ada yang mengakhiri hidupnya dengan bunuh diri. Berdasarkan fakta di atas, tampaknya ada yang kurang dalam mengukur kesejahteraan masyarakat. Dalam ekonomi Islam, kebahagiaan diberikan oleh Allah kepada siapapun (pria dan wanita) yang ingin melakukan perbuatan baik bersama dengan iman kepada Allah. Seperti yang disebutkan oleh Allah dalam Surat An- Nahl ayat 97, sedangkan tiga indikator untuk mengukur kesejahteraan dan kebahagiaan dalam islam adalah tauhid, konsumsi, dan hilangnya segala bentuk ketakutan dan kecemasan. hal itu seperti yang disebutkan Allah dalam ayat 3-4 surat Quraisy. Adapun kepedulian sosial yang diwakili oleh zakat memiliki potensi yang besar di negeri ini, dan jika dapat direalisasikan, zakat merupakan faktor yang memberikan kontribusi besar terhadap perekonomian masyarakat, terutama bagi masyarakat pedesaan
MUDHARABAH DALAM FIQIH DAN PERBANKAN SYARI’AH
Equilibrium: Jurnal Ekonomi Syariah Vol 1, No 2 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i2.215

Abstract

This research intends to know the theoretical foundations related mudharabah in jurisprudence and Shariah banking. The method used in this research is to study literature. The results showed that mudharabah is a contract between two parties whereby one party called rab al-mal (investors) entrusts money to the second party, called mudharib, for the purpose of running a trading business. Mudharabah contract has no basis in the Qur’an and Sunnah, the contract has been used to run a trade by the early generations of Muslims. Mudharabah contract is very different with the syariah bank mudharabah contract as generally described by maszhab-schools of fiqh, or as envisaged by the Shariah bank as a theoretical model of joint venture capital financing, or financing for industrial development.
Financial Performance and Health Analysis of Islamic Banking Pre-Mega Merger
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.v10i1.14852

Abstract

The Islamic banking industry has transformed into an industry with prospects that can surpass conventional banking. This study analyzes the effect of the financial performance and soundness of Bank Syariah Indonesia before the mega-merger on profitability. The research uses bank health indicators, including Adequacy Ratio (CAR), Non-Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), Net Operating Margin (NOM), and Return on Assets (ROA). The research method uses multiple linear regression. The results showed that CAR, NPF, and NOM did not affect ROA. However, FDR and OER affect ROA. Indonesian Islamic banks need to pay attention to the feasibility aspect of financing to avoid non-performing financing. Islamic banks use FDR and OER to increase their profitability because the conditions experienced by Bank Syariah Indonesia as the leading Islamic bank in Indonesia after the mega-merger, are considered capable of simultaneously representing.
DISTRIBUSI LABA SEBAGAI IMPLEMENTASI NILAI KEADILAN DALAM AKUNTANSI SYARIAH PADA PT. BANK SYARIAH MANDIRI
Equilibrium: Jurnal Ekonomi Syariah 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.v5i1.2465

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi distribusi laba dari Perbankan Syariah yang berkaitan dengan penerapan nilai Islam yaitu nilai keadilan dalam pendistribusian labanya kepada seluruh stakeholder. Penelitian ini menggunakan metode kualitatif dengan pendekatan analisis deskriptif. Data-data perusahaan mengenai distribusi laba serta data-data lain yang mendukung penelitian dikumpulkan melalui wawancara dengan partisipan perbankan, laporan keuangan beserta kelengkapannya kemudian data-data tersebut dilakukan analisis dengan cara mendeskripsikan dan membandingkan dengan aturan-aturan yang berlaku baik aturan dalam Islam maupun aturan yang dibuat oleh negara untuk menilai keadilan secara objektif. Objek penelitian adalah PT. Bank Syariah Mandiri.Hasil penelitian menunjukkan bahwa distribusi laba pada Perbankan Syariah yang menerapkan akuntansi syariah telah mendistribusikan labanya tidak tersentral pada salah satu stakeholder. Akan tetapi laba yang diperoleh juga didistribusikan kepada para stakeholder yang berkaitan dengan perusahaan dengan penerapan nilai-nilai Ekonomi Islam. Sedangkan keadilan dalam pendistribusian laba jika dilihat secara objektif belum bisa sepenuhnya dilakukan. Komposisi laba untuk pemilik modal masih lebih besar dibandingkan kepada stakeholder lainnya.
ANALISIS EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) WILAYAH JABODETABEK DENGAN PENDEKATAN TWO STAGE DATA ENVELOPMENT ANALYSIS (DEA)
Equilibrium: Jurnal Ekonomi Syariah Vol 5, No 2 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i2.2612

Abstract

This research aims to measure the level of technical efficency of Bank Pembiayaan Rakyat Syariah (BPRS) in Jabodetabek Region during the period 2015-2016. This is quantitative reasearch. Data used in this research was a secondary data, collected from financial report from Bank Indonesia and Otoritas Jasa Keuangan. The sampling technique that issued in this research was purposive sampling with taking 12 samples of BPRS. Efficiency measurement in this research used non-parametric statistic Data Envelopment Analysis (DEA) with the intermediation approach. The results showed that 12 BPRS in Jabodetabek Region during the 2015-2016 period as whole has  a  fluctuating level of efficiency. Meanwhile, the second phase of testing using Tobit methods shows that internal factor, CAR, has significant impact on BPRS efficiency in Jabodetabek.

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