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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 118 Documents
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Implementation Of Micro Finance Products With Mudharabah Contract At BMT NU Sejahtera Cilimus Kuningan Wahyuni, Neneng; Fauzan, Arif; Firdaus, Dicky F.
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.201

Abstract

ABSTRACT Mudharabah is one of the contracts in the sharia economy that is able to accommodate financing activities for micro business actors. In fact data from the OJK, Mudharabah contracts are still classified as minority contracts in Indonesian Islamic financial institutions. This is because the process is considered more risky and difficult so it is less strategic when applied to financial institutions. Interestingly, one of the BMT operating in Kuningan, West Java, BMT NU Sejahtera carries a financing product with this profit sharing contract. Using qualitative research methods, the authors examine the implementation of Mudharabah contracts in this BMT. From the results of the study it was found that in practice of the contract, there are still things that are not in accordance with sharia principles, such as fixed monthly installment payments, collateral requirements and if the customer suffers a loss, payments are still made even though only the principal. This discrepancy with the Shari'a is understood as an attempt by the BMT to minimize risk. Hopefully in the future, all of Islamic financial institutions and the community can both understand fiqh muamalah so that the practice of contracts in Islamic economics can be carried out purely according to the Shari'a.
Merger and Its Impact on Strengthening the Development of Sharia Banks in Indonesia Rosmiati, Ii; Ropei, Ahmad; Ramadhani, Febri; Suharto, Suharto
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.202

Abstract

Sharia banking in Indonesia today continues to experience development in line with the increasingly advanced growth of the shari'ah economy. This is of course caused by many factors, including the existence of regulations that support the development of Islamic banking, especially related to the merger of Islamic banking. This shari'ah bank merger needs to be seen as an important part of the development of shari'ah banking in Indonesia. This paper is a type of qualitative research with the method used is the study of literature. The results of this paper reveal that the background of the merger of Islamic banks was the desire to strengthen the condition of Islamic banking in Indonesia by increasing the financial literacy of the Indonesian Muslim community. The merger of Islamic banks has had an impact on the development of Islamic banks in Indonesia, including after the merger, Bank Syariah Indonesia was able to become the 7th best national level bank; able to generate greater assets; increasing the total amount of financing, third party funds, and profits and succeeding in increasing shari'ah financial literacy in Indonesia.
Management of Hajj Funds in Sukuk Investment from an Islamic Economic Perspective Maulana, M. Rifka; Mawadah, Sokhikhatul
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.204

Abstract

One of the impacts of the Covid-19 pandemic is the cancellation of Hajj departures in Indonesia in 2020, based on the Decree of the Minister of Religion (KMA) Number 494 of 2020. The delay in the departure of the Hajj even though the more pilgrims register for Hajj, the more funds will be received. Banks cannot manage that much haj funds, so they are stored in state sukuk. Hajj funds are managed in State Sharia Securities (SBSN) or State Sukuk by the Ministry of Religion through the Hajj Management Financial Management Agency (BPKH). How is the management of Hajj funds on state sukuk, is it effective or not. This research is a qualitative research with literature study. The results of this study are that the mechanism for managing Hajj funds begins with the way pilgrims register and pay. After the funds have been collected, the BPKH manages the money through each congregation's account at the bank. Fund management exists in several placements, one of which is sukuk. Placement in this sukuk is good but not optimal when viewed from the yields obtained, but when viewed from the risks faced, this sukuk investment is very effective. Research can be used as a reference source for parties who need information about the management of Hajj funds, especially for pilgrims who are waiting for the pilgrimage to depart.
Media, Ecology and Technology: Holistic Approach Elango, Elango
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.205

Abstract

Today we are in the Hyperreal World in the Post Modern Era, bound to meet media, ecology and Technology. We need Mother Earth to have Ecological balance for Human and living organisms' Survival. To Every Individual to have a Holistic Life, we need eco-friendly Technology and an excellent environment to lead a pleasant, harmonious life. Ecology are the scientific study of the relationships between living organisms and their physical and biology environments. It encompasses the study of the distribution and abundance of living things, the interactions between organisms, and the relationships between organisms and their physical and chemical surroundings. The ecology perspective is a way of looking at the world that emphasizes the interconnectedness and interdependence of all living things and their environments. To have an Ecological Perspective, we need technological development and support to handle the issues and problems from a social perspective. This research study analyses the role of ecology, Technology and media and their interconnectedness in the holistic approach. The researcher conducted in-depth interviews with media specialists and Teachers in Environmental Studies and gathered valuable insights on media, ecology and Technology and their connectivity in bringing a holistic approach. Media and ecology today give a Hyperreal experience for the audience with the advancement in Technology. Media Creates a Hyperreal Environment in day-to-day life for the social well-being of humans and living organisms and awareness of environmental problems created. Environmental Activists use media platforms for their activist activities.
Analysis of the Risk Management of Purchasing Puri Nirana Cigelam Sharia Housing in the Perspective of Islamic Economics Adriansah, Adriansah; Sya’ban, Muhammad Fauzan Nur; Adisty, Elfara; Apriani, Eka
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.260

Abstract

As a housing developer, Puri Nirana Cigelam (PNC) Purwakarta, West Java, offers housing with a sharia concept or sharia housing. Sharia housing carries a Sharia system in its financing contracts without the involvement of Sharia or conventional banks. The purpose of this study is to first analyze the risk management of contract implementation in buying and selling housing at PNC. Second, analyzing the application of risk management in the sale and purchase of Sharia housing loans at PNC. Third, analyze the adherence to Islamic economics principles in applying risk management in PNC. This research is qualitative. At the same time, technical data mining using interviews and observation. Technical data processing by editing, organizing, and discovering results and data analysis obtained descriptively to draw conclusions. The study results in show that the risk management carried out at PNC in its sharia contracts is running well even though it is relatively new and outside property developers' customs and habits in risk management. Risk management in implementing buying and selling credit at PNC is going well for risk policies with a Sharia approach. The principles of Islamic economics also colour the existing risk management policies in PNC Sharia housing; there are elements and values ​​of Sharia economic principles that are quality, non-exploitative, free of usury, prosperous and spiritually valuable.
Classification of the Contract; Tabarru Lending Money, Qardh, Rahn, Hiwalah Abdillah, Yudi Khoeri; Azizi, Agung Wildan; Gozaly, Ahmad Yusdi; Jamilah, Akfah Zakiah
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.261

Abstract

Tabarru 'Lending Money, Qardh, Rahn, Hiwalah Islamic financial institutions in practice have two categories of contracts, there are so-called Tijarah contracts and Tabarru' contracts. expect rewards, which include tabarru' contracts including qardh, Rahn, Hiwalah contracts, in this scientific paper will explain the concept of pillars, terms, types, and Tabarru' contract practices in Islamic financial institutions. The methodology in this scientific paper uses a qualitative descriptive methodology which describes the classification of the contract; tabarru' lending money, qardh, rahn, hiwalah.Tabarru' Lending Money, Qardh, Rahn, Hiwalah, it can be concluded that from each tabarru contract such as qardh in its transaction activities, additional transactions are not allowed, if there is an additional qardh contract from each loan then the status of the law is usury. Likewise with rahn or sharia pawning does not apply interest from each rahn contract, but in a rahn or sharia pawn contract there is a maintenance fee for goods used as collateral or collateral. As for the hawalah contract, it is permissible to do ad-Dain (assets that are still in the form of debt), not to alAin (assets whose goods are concrete, usually interpreted as goods), or in other words, the hawalah contract is valid if the muhal bih is not in the form of goods debt (alAin).
The Influence of Halal `Labels, Promotion, Service Quality, Brand Image, and Price on Consumer Decisions in Buying Medicines at the Pharmacy in Jember Regency Damayanti, Suayroh Tri
International Conference on Islamic Economic (ICIE) Vol. 2 No. 1 (2023): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v2i1.262

Abstract

In product marketing in Indonesia, halal is a fundamental matter, especially regarding food; this has been proven by previous research, while research on marketing drugs related to halal has yet to be found by researchers in previous studies. Given the circulation of drugs containing pig DNA, labels should be an essential thing to consider in every consumer purchasing decision because medicines are the same as a food whose use is consumed directly by the body. This study aims to analyze the effect of halal labels, promotions, service quality, brand image, and prices on consumer decisions in buying medicines at pharmacies in the Jember Regency. This type of research is associative research with a quantitative approach. The population of this study is consumers who buy drugs at pharmacies in the Jember district, which fall into the unlimited population category(infinite). The sampling technique uses the technique of nonprobability sampling with the approach of purposive sampling. Data collection using observation (observation), questionnaire (questionnaire) and literature study. This study uses multiple linear regression analysis. The data were tested using the classical assumption, Multicollinearity, Heteroscedasticity and Normality tests. The hypothesis test uses a partial test (t-test) and a simultaneous test (f-test). Use the coefficient of determination test (R2) to measure how far the model can explain the dependent variable's variation. The results of this study show that based on the significance value (Sig) on the halal label, the probability value is > α which is 0.326 > 0.05, so there is no significant effect between the halal label on consumer decisions on promotions and the probability value is > α which is 0.886 > 0.05. There is no significant effect between promotion on consumer decisions on service quality. The probability value is > α which is 0.002 <0.05, so there is a significant influence between service quality on consumer decisions; for the on-brand image, the probability value is > α which is 0.000 <0.05, then there is a significant influence between the brand image on consumer decisions, and at prices, the probability value > α is 0.128 > 0.05, so there is no significant effect between prices on consumer decisions in buying medicines at pharmacies in Jember district.
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.

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