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International Conference on Islamic Economic
Published by Sekolah Tinggi Ilmu Bahasa Arab Darul Ulum Banyuanyar
ISSN : 28295102     EISSN : 2829663X     DOI : https://doi.org/10.58223/icie.v1i1
Core Subject : Economy,
Economics, Econometrics & Finance
International Conference on Islamic Economics is a journals economic studies published every April and October by Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan. The scope and focus of this journal is about business ethics, capital markets, financial institutions, sharia accounting, sharia finance, micro, banking and rural finance, monetary and fiscal policy, economic thought, zakat, waqf and Islamic Philanthropy, maqashid Syariah and economic welfare. Globalization of the Halal Industry and other Islamic economic studies
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
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Search results for , issue "Vol. 2 No. 2 (2023): October" : 10 Documents clear
Maqosid Al-Syari’ah Sebagai Dasar Pergerakan Ekonomi Syariah Di Era Digital Maulana, Lutfi; Mumtahaen, Ikmal; Nugraha, AA Willy; Hasanah, Uswatun; Fitriana, Nadia
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.264

Abstract

In today's all-digital era, the behavior or culture of the Indonesian people has changed to meet their needs. Changes in behavior or culture sometimes occur not only in the form of continuous innovation but also sometimes in the form of disruptive and destructive innovations. This type of research is normative research using a library research approach. The results of the study show that the implementation of an all-digital modern economic system is a primary need (dharuriyat), at least to meet secondary needs (hajiyat), so that the Indonesian Muslim community must do so not only in a sustainable form. innovation, but also disruptive innovation implemented in the digital economic system to guarantee the security of public rights (hifdz almujtama') and build economic progress as the application of one of the maqosidh sharia principles, namely safeguarding wealth (hifdz al-mal).
Does Banking Digitization Reduce Non-Performing Financing in Sharia Commercial Banks? Evidence from Indonesia Khasanah, Riskiyatul; Azizah, Nur; Pernamawati, Anni Muslimah; Bahtiar, Moh. Ilham Ali; Arumania, Alvia
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.265

Abstract

Digitalization in the banking sector has received great urgency and attention in the last few decades because it has been able to provide many conveniences for banks and customers in conducting transactions, this condition has further increased productivity. This increase in productivity describes an increase in income so that Non-performing financing faced by Sharia Commercial Banks in Indonesia can be minimized. Non-performing financing is necessary because a high NPF can disrupt banking operations. This study aims to study and analyze whether digitalization in the economic and banking sectors can reduce Non-performing financing in Sharia Commercial Banks in Indonesia. This research is a positivist study with a quantitative approach which is analyzed using panel regression with dummy variables, with the help of EViews software. This study uses secondary data in the form of banking digitization data, internal factors in Sharia Commercial Banks in Indonesia. This research provides evidence that digitalization that is occurring in the economic and banking sectors, as well as internal and external banking conditions, have made a significant contribution to reducing Non-performing financing in Sharia Commercial Banks in Indonesia.
Akad Wakalah bil Ujroh sebagai Solusi Transaksi Bisnis di Era Digital Sholihah, Nurlailiyah Aidatus; Suhendar, Fikry Ramadhan; Caswati, Caswati
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.266

Abstract

This article aims to analyze the urgency of the wakalah bil ujroh contract in business transactions in the digital era. The research method in this article uses a qualitative method with literature study as the approach. The data source is in the form of library publications. The type of data is in the form of written narratives or documents contained in publication sources. Data collection techniques are carried out by tracking the sources of these publications. The data analysis technique is descriptive. Based on the research conducted, it was found that the wakalah bil ujroh contract can be one of the contracts used in business transactions in the digital era. This is because the use of the contract can prevent business transactions from elements that contain usury and garar. Wakalah bil ujroh contract is a representative contract made by a person to another person to carry out an action or transaction accompanied by a reward for the action or transaction. Based on this understanding, rewards that are included with payments for a transaction or reward for a need are allowed in Islamic economics and are not included as riba but as wages or ujroh.
Post-Pandemi Covid-19 Government Relaxation Policies And Its Implications For Sharia Bank Performance Hasyim, Hasnil; Suretno, Sujian
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.267

Abstract

Banking as an intermediary institution based on the Sharia Banking Act No. 21 of 2008 mandates collect and distribute funds to the public in a proportionate manner. Proportion means is that the portion that is collected and that which is distributed should be balanced, so that the expected profit maximum. In the 2020 era there was the emergence of the Covid 19 pandemic which resulted in the collection and disproportionate distribution of funds. Funding cannot be channeled optimally, because it is work more focused on improving existing financing as a result of customer defaults due to repayment capacity changes. Conditions that cannot be predicted in advance. Government with authority issued a relaxation policy in the form of restructuring through the Financial Services Authority (OJK) provide solutions that are solutive for customers and banks. Over time customer financing saved and doing well. However, nearing the end of the policy there were many related internal audit findings the quality of the policy. Many customers are policy-justified in current collectibility, but in fact collectibility Non Performance Finance (NPF), namely in the collectibility category 3.4 and 5. Under these conditions, it is certain that the bank will incur a loss due to the provision of Reserves Impairment Losses ( CKPN) formed. Cleansing data carried out on several customers shows that customers already have qualities that cannot be saved as a result of implementing policies government that does not have a time limit, so that within that unspecified period of time have a fatal impact on the quality of customers and have an impact on banking performance or the soundness level of the bank worsened.
Understood or Forced: Reviewing Lecturers' Interest in Saving in Islamic Banks Setyagustina, Kurniasih; Khasanah, Nur; Ahmadi, Ahmadi; Suhitasari, Winahyu Dwi
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.268

Abstract

Understanding Islamic banking can be applied properly but has not fully positively influenced the intention to save in Islamic banking. Lack of interest and customer trust in Islamic banking to save in Islamic banking so there is a need for socialization of Islamic banking knowledge itself, both regarding understanding, of products, principles, and contracts used by parties from Islamic banks. In addition, some opinions also state that it is normal for lecturers at Islamic religious colleges to save in Islamic banks because they are required to open savings accounts to receive their salary through Islamic banks. Based on the description of the problem, the researcher is interested in conducting further research to prove whether the understanding of Islamic banking on lecturers' interest in saving in Islamic banking can maximize or have a positive effect on saving or not saving in Islamic banks. The discussion of this research relates to the field of science in connection with that the approach taken in theories related to understanding and interest. This research is quantitative. The samples used in this study were 34 lecturers. Data collection techniques used are interview techniques, distributing questionnaires, and documentation. The analysis technique of this research uses a validity test, reliability test, normality test, linearity test, classical assumption test, simple linear regression test, and hypothesis test with the help of SPSS version 26 software. The results of the study show that lecturer knowledge influences people's interest in saving at Islamic banks. This of course can prove that Indonesian Islamic banks have a place in the hearts of lecturers, not only because of the obligation to open an account at an Islamic bank to get a salary as a lecturer.
The Role Of Internal Marketing In Gaining Customer Satisfaction And Loyalty Oussouas, Khadija
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.269

Abstract

إن مفتاح النجاح لاي عمل تجاري ربحي أو غير ربحي هو بحاجة ماسة للتسويق لأن هذا العلم يعمل على فهم حاجات ورغبات العملاء ويزودهم بالمنتجات التي تحقق لهم أقصى إشباع ورضا ممكن. بحيث تبنت المؤسسات الخدمية مفهوم التسويق الداخلي و ذلك بتطبيق ابعاده للحصول على رضا عامليها مما يجعلهم يتمتعون بمهارات و خبرات مختلفة و ان يقدموا خدماتهم بجودة عالية و بالمستوى الذي يرضي زبائنهم. كما ان الاقتصاد الاسلامي يقوم على امور يفتقدها غيره من الانظمة الاخرى فهو يقوم على الملكية العامة و الخاصة في ان واحد باعتبار ان كلا منهما اصل و لكل من هاتين الملكيتين اهدافهما و مصادرهما المشروعة و من ثمة يهدف هذا البحث الى:تسليط الضوء على تقديم خلفية عامة حول التسويق الداخلي،كما تكمن اهداف الدراسة عل مقدم الخدمة و البحث في كيفية تحقيق رضاه.وتتمثل اشكالية البحث في مدى مساهمة التسويق الداخلي في تحقيق رضا الزبون و كسب ولائه؟؟
The Impact Of The Digital Era On Achieving The Objectives Of The Islamic Economy Hussain, Muhammad Rabie Ahmad
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.270

Abstract

This research paper seeks to know the importance and impact of the digital era on achieving the objectives of the Islamic economy. By crystallizing the concept of the digital era, and examining whether this digital era is in line with the objectives of the Islamic economy. The research also deals with the study of the Islamic endowment model, and the extent of its development by following modern digital mechanisms. The research follows the descriptive and inductive approach, by tracing the major purposes and objectives of the Islamic economy, and then applying them to the subject of study.
Settlement Of Dispute Of Ijarah Muntahiya Bit Tamlik (Imbt) Based On Fatwa Dsn-MUI Number: 27/Dsn- Mui/Iii/2002 Fathurohman, Imron; Magi, Bahmid I; Ramadhan, Syahrur Gilang; Zahra, Siti
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.272

Abstract

The background of this research is the existence of leasing transactions (ijarah) where the lessee and the lessee (goods owner) have an agreement to sell or grant the leased goods at the end of the lease term, so that this transaction ends with a transfer of ownership of the leased property. In fact, the ownership of the leased assets is not transferred in the Ijarah contract. However, if the lessee wishes to own the property for lease, this can be exercised through put options and/or grants at the end of the contract. The form of leasing in Contemporary Fiqh Mu'amalah above is called Ijarah Muntahiya Bit Tamlik (IMBT) and this transaction already contains provisions as the basis for its implementation in the form of a DSN-MUI fatwa. With the innovation of the contract in the rental contract, it is inseparable from the problem of disputes that might arise in it. Therefore, this study aims to find out the settlement of disputes in Ijarah Muntahiya Bit Tamlik based on MUI Fatwa Number: 27/DSN-MUI/III/2022. The transaction, known as Ijarah Muntahiya Bit Tamlik (IMBT), is a kind of combination of a lease agreement with a sale and purchase contract or a lease agreement with a grant, or more precisely, a lease agreement that ends with the ownership of the rented object in the hands of the lessee. The nature of the transfer of ownership is also what distinguishes it from ijarah in general. As for IMBT financing in Islamic banking, it has the same treatment as murabahah contract financing. The similarity between the two is that the financing is included in the natural certainty contract category, and basically is a sale and purchase contract. The difference between these two types of financing is only in the object of the transaction being traded. In murabahah financing, the object of the transaction is goods such as a house or car, whereas in ijarah financing, the object of the transaction is a service, both benefits for goods and benefits for labour. The implementation of the IMBT contract in Islamic banking is that the bank provides financing to the customer by procuring an item which is then leased to the customer, and at the end of the lease the ownership of the item passes to the customer, after the customer has paid off the lease as well as the remainder of the purchase. This transfer of ownership can use a sale and purchase contract or a grant contract. In financing Ijarah Mutahiya Bit Tamlik (IMBT), if in the future there is a dispute between the customer and the bank, then according to the DSN-MUI Fatwa Number: 27/DSN-MUI/III/2002 concerning Ijarah Mutahiya Bit Tamlik (IMBT) it can be resolved through two options, namely by way of deliberation and/or through the Sharia Arbitration Board. The Sharia Arbitration Board is the final step in resolving IMBT disputes after deliberations cannot resolve the dispute.
Strategi Pengembangan Industri Klaster Makanan Halal di Indonesia Hariyono, Hariyono; Saniah, Iah; Nurcahyati, Meli
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.273

Abstract

The halal food cluster industry market in Indonesia is currently developing, but the potential of the cluster market has not been fully carried out optimally, so to maintain the quality and loyalty of food clusters in Indonesia is something that must be optimized so that Indonesia's halal food cluster can compete with other countries. This study aims to explain the strategy of developing the halal food cluster industry in MSMEs in Indonesia. This writing method uses qualitative research. Sunber primary and secondary data were obtained from literature studies. The type of data is qualitative data. Data collection techniques are carried out through webseite searches related to the halal industry. Data analysis techniques are descriptive analytical. According to Lady Yulia, at this time the halal industry really prioritizes and builds the halal product industry in the global market through business networks, thus the halal product industry will continue to develop and can increase the effectiveness of halal product development in Indonesia, therefore it is very important for community involvement in the process of developing halal product industry because it can optimize resources, In addition, it can also create a good communication climate between the government and the community.
Pengaruh Inflasi, Pengangguran, Kemiskinan, Dan Pembiayaan Perbankan Terhadap Pertumbuhan Ekonomi Di Indonesia Hidayatullah, Muhammad Suib; Rosyidah, Norma; Saifuddin, Saifuddin
International Conference on Islamic Economic (ICIE) Vol. 2 No. 2 (2023): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i2.276

Abstract

One important aspect of national development is the development of a country with the ultimate goal of improving people's welfare. This happened in Indonesia. So, research should be carried out to find out what are the obstacles hindering Indonesia's economic growth. The purpose of this study is to find out how inflation, unemployment, poverty, Islamic banking financing affect Indonesia's economic growth partially and simultaneously. This study uses secondary information arranged in chronological order from 2014 to 2022. This information was obtained from the official websites of Bank Indonesia, the Central Bureau of Statistics and OJK. The independent variables in this study are inflation, unemployment, poverty, and Islamic banking financing, while the dependent variable is economic growth. This study uses multiple regression analysis, T-test, coefficient of determination, and F-test. The results of the research show that inflation, unemployment, poverty, bank financing simultaneously affect Indonesia's economic growth by 65.2%. Other variables not included in this study affect the remaining 34.8%.

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