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Contact Name
Abrista Devi
Contact Email
abristasmart@gmail.com
Phone
+628128740430
Journal Mail Official
alinfaq@uika-bogor.ac.id
Editorial Address
Jl. K. H. Sholeh Iskandar Km. 2 Kedung Badak Tanah Sareal · Bogor - Jawa Barat - Indonesia · Telp. 0251-8349529
Location
Kota bogor,
Jawa barat
INDONESIA
Al-Infaq: Jurnal Ekonomi Islam
ISSN : 20872178     EISSN : 25796453     DOI : -
Core Subject : Economy,
FOCUS This journal focused on Islamic Economics, Business, and Finance and present developments through the publication of articles. A Specifically, the journal will deal with topics: Islamic Banking, Finance and Commerce, Sectors of Islamic Economy, Islamic Social Finance (Zakat, Infaq, Sadaqah, and Waqaf), Econometrics, Halal Industry, Finance and Islamic Business and Marketing, and Current Issues in Islamic Economy, Banking, finance, etc. SCOPE Al-Infaq : Jurnal Ekonomi Islam specializes in Islamic Economics, Business and Finance and is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines. Specifically, the journal will deal with topics, including but not limited to: Islamic Banking, Finance and Commerce, Sectors of Islamic Economy, Islamic Social Finance (Zakat, Infaq, Sadaqah, and Waqaf), Econometrics, Halal Industry, Finance and Islamic Business and Marketing, and Current Issues in Islamic Economy, Banking, finance, etc.
Articles 194 Documents
HUKUM DAN PERTUMBUHAN EKONOMI: KASUS INDONESIA DALAM PERSPEKTIF EKONOMI ISLAM Bambang Wahyu
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 2, No. 2 (2011)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v2i2.386

Abstract

This paper is aimed to provide the important way to relate economics growth under the law. The problem of economics growth which has no significant result to many countries economics development is lied on decoupling between macroeconomics and microeconomics. Government took widely way to market to decide economic growth roll so created a negative effect to gross domestic product, unemployment and poverty numbers. In Islam, government has a function as regulatory law in order to enforce and control market mechanism to attain effectively economic growth
THE INFLUENCE OF ISLAMIC WORK ETHIC AND LEADERSHIP STYLE ON EMPLOYEE PERFORMANCE IN SHARIA COORPRATIVE 212 Resmi Windarwati; Ahmad Mulyadi Kosim; Ikwan Hamdani
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 10 No. 2 (2019)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v10i2.661

Abstract

The purpose of this study was to analyze how the Islamic work ethic and leadership style in Syariah Cooperative 212 and to find out how the influence of Islamic work ethic and leadership style on employee performance.This study uses a quantitative approach. In this study, the survey method was used, namely by distributing questionnaires to 30 Sharia Cooperative 212 employees, and the data was analyzed with statistics. The analysis process that is taken is the first data analysis technique which includes validity and reliability tests, the second is hypothesis testing which includes test, determination coefficient and correlation coefficient significance test. Results of the analysis show that the t value for the Islamic work ethic variable shows a value of t = 2,363 with 0,000 which is less than the alpha value of 0,05. This shows that Islamic work ethic variables have a positive and significant influence on employee performance. t value for leadership style variable shows the value of t = 2.513 with a significance value of 0,000 which is less than the alpha value of 0.05. This shows that leadership style variables have a positive and significant influence on employee performance. The F count is 11,371 with a significance value of 0,000 where this significance value is less than the alpha value of 0.05, indicating that all the independent variables namely Islamic work ethic and leadership style jointly influence the dependent variable which is employee performance significantly.
THE BMT ROLE IN DISSOLVING MONEYLENDERS LINKS AND THEORY Imron Soleh; Muhammad Adi Cahyadi; Achmad Boys Awaluddin Rifai
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 8 No. 2 (2017)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v8i2.15

Abstract

Baitul Maal wa Tamwil (BMT) is the microfinance institution that has a significant role to help breaking moneylenders practice which have been trapped the community. However, practically BMT still has not been able to break riba due to need for urgent funds; fast process, easy requirements, and short-term for payment; community have many difficulties to access finance institution;the lack of BMT socialization; the lack of community awareness to leave riba.
THE INFLUENCE OF MACROECONOMIC VARIABLES ON TRADING OF SUKUK NEGARA DURING PANDEMIC: CASE OF INDONESIA Raehan Fadila; Sebastian Herman; Eri Heriyanto
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 13 No. 1 (2022)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v13i1.1188

Abstract

The year 2020 and 2021 became an unprecedented challenge due to the covid pandemic affecting many aspects around the world, including the economy. On the other side, over the past decade has the global Sukuk market become an increasingly prominent funding source for companies, financial institutions, and governments. For handling the pandemic in Indonesia, the Ministry of Finance has repeatedly issued Sukuk Negara. The objective of study is to analyze the short-term and long-term impact of macroeconomic variables on the sukuk trade in Indonesia and to see the impact of these macroeconomic variables on the stability of the Sukuk Negara Trade and the contribution of these variables during the pandemic to the Sukuk Negara. It was found that the exchange rate and inflation have a significant positive effect on the trading of sovereign sukuk in the secondary market. The most variables contribution is sovereign sukuk trade itself, followed by Exchange rate.
PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN UMKM DI KECAMATAN LEUWILIANG (STUDI KASUS BPRS AMANAH UMMAH) Linda Novita; M. Kholil Nawawi; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 5, No. 2 (2014)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v5i2.324

Abstract

This study aims to determine the effect of murabaha financing to the growth of the customer's business. This growth can be seen from the number of customers each month income. This research is a study using a quantitative approach. The number of respondent of this study is 30 costumer of BPRS Amanah Ummah in Leuwiliang. The collection of data obtained from the two types of data are primary and secondary data is by using interviews and data were obtained from the BPRS Amanah Ummah. The technique used in this study is a sampling technique by taking a sample of a population. Analysis of data using correlation analysis, i.e. used to determine the relationship between the variables studied. The results showed that the utilization of murabaha financing to the development of the customer's business has a positive and significant impact to the value of r product moment, that is df = (N - nr) df = 30-2 = 28. It can be stated with df of 28 at the significant level of 5% was obtained r table at 0,361 and at significant level of 1% was obtained r table at 0.423. Thus due ro r xy or greater than r table is (0.98) and (0.98) at significance level of 5% and 1%, by the significant level of 5% can be known of the relationship between murabaha financing with the development of UMKM, and at significant level of 1% can be found a positive relationship between murabaha financing the development of UMKM.
ANALISIS KEPATUHAN SYARIAH DALAM PRODUK SIMPANAN DAN PEMBIAYAAN PADA BMT KHONSA Monika Ayu Lestari; Siti Nur Azizah; Nur Isna Inayati
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 14, No. 1 (2023)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v14i1.941

Abstract

Sharia compliance reflects sharia-based financial institutions. Sharia implementation shows how compliant an institution is. This study aims to analyze the extent to which BMT's Sharia products comply as an Islamic financial institution. Its implementation must comply with Sharia provisions. The products are deposit products and financing products and their implementation processes. The methods used in this research are interviews, observation, and documentation with a qualitative approach. The objects of this research are all employees involved in funding and lending funds in BMT Khonsa. The results of this study indicate that product sharia compliance at BMT Khonsa has been appropriately implemented under applicable regulations. So, there is no doubt about the sharia concept implemented at BMT Khonsa.
GLOBALISASI DAN TANTANGAN BAGI SISTEM KEUANGAN ISLAM: PERSPEKTIF FILSAFAT EKONOMI ISLAM Bambang Wahyu
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 2, No. 1 (2011)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v2i1.363

Abstract

The challenge of Islamic financial system today faced on globalization which has numerous power to influence the character and development of Islamic financial system. The risksharing and profit-sharing as core of Islamic finance be improved in order to increase the final solution of modern financial problems. But such ways has discussed mainly related to lack of  financial instruments and diversification of portfolio
PROBLEMATIKA ZAKAT KORPORASI DI INDONESIA Muhammad Rizki; Mahbubi Ali; Hendri Tanjung
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 10 No. 1 (2019)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v10i1.509

Abstract

AbstrakZakat korporasi merupakan salah satu kewajiban yang harus ditunaikan oleh perusahaan seperti yang telah disebutkan dalam fatwa Majelis Ulama Indonesia ke 3 tahun 2009, dan juga telah disebutkan dalam Undang-Undang zakat No. 23 Tahun 2011 Bab 1 Pasal 4 ayat (2) bagian c dan ayat (3), banyak perusahaan berlabel syariah yang tersebar diseluruh Indonesia dan terhimpun dalam Daftar Efek Syariah, banyaknya perusahaan tersebut tidak berbanding lurus dengan realisasi zakat perusahaan yang diterima oleh lembaga penghimpun zakat seperti BAZNAS. Penelitian ini menggunakan metode kualitatif deskriptif dengan wawancara mendalam sebagai alat penggali informasi, data diolah dan divalidasi dengan metode triangulasi sebagai alat untuk validasi hasil temuan dari hasil wawancara. Penelitian memiliki 3 tujuan, pertama, menganalisis pengaruh fatwa terhadap zakat korporasi, kedua menganalisis peran pemerintah dalam mendorong zakat korporasi, ketiga menganalisis permasalahan yang terjadi dalam zakat korporasi di Indonesia. Hasil penelitian menujukkan bahwa fatwa MUI sifatnya tidak mengikat, sehingga fatwa sangat mudah disepelekan, Pemerintah lebih berpihak pada pajak dan CSR, sehingga mempengaruhi penerapan Fatwa dan UU zakat korporasi, ketika perusahaan-perusahaan di hadapkan dengan regulasi pajak dan CSR yang begitu ketat, maka hal itu menjadikan zakat korporasi ini dipandang sebelah mata, begitupula dengan perumusan Undang-Undang Zakat ini yang tidak memiliki regulasi untuk mewajibkan muzakki dalam menunaikan kewajibannya untuk membayar zakat korporasi.
IMPLEMENTATION MODEL OF QARD AL HASAN FOR INDONESIAN ISLAMIC BANKING Rachmawaty Rachmawaty; Afif Zaerofi; Waluyo Jati
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 12 No. 2 (2021)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v12i2.898

Abstract

It is challenging for Islamic banking as the business institution to provide qard al hassan. In this paper, we proposed qard al hassan platform (QHP) as the model which can be implemented for Islamic banking.  QHP can use internet base where the synergy of public to give fund through social crowdfunding and the capability of bank to provide good corporate governance in managing fund and assessment qard al hassan as financing in productive sector. Since there is no fee of qard al hassan to finance operational cost, there are 3 sources will be proposed. First is money from fee for Amil Zakat, second is profit of some portions of collection fund investment, and third is profit of investment of the upfront payment of qard al hassan. Methodology to calculate upfront payment refer to Mesbah Point. Regarding minimize and control the default rate, bank should be focus on the right target market of borrower and low risk industry sectors. Implemeting QHP model can reduce poverty and achieve sustainable growth in society while at the same time creating the fairness of wealth distributing.  The needy and the poor can participate in production and create its own wealth. However, the implementation of QHP could not be implemented without adjustment in regulation and set up infrastructure. Regulator need to give permission for bank to collect zakat, sadaqah, cash waqf from public and as wakil of funder to execute QHP as well as together with banking industry to set up the infrastructures
ANALISIS MANAJEMEN RISIKO DALAM MENGATASI PEMBIAYAAN BERMASALAH PADA KREDIT PEMILIKAN RUMAH (KPR) (STUDI KASUS BRI SYARIAH CABANG BOGOR) Maya Andriyani; Hendri Tanjung
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 6, No. 2 (2015)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v6i2.310

Abstract

Penelitian ini bertujuan untuk mengetahui proses manajemen risiko pembiayaan yang dijalankan oleh bank BRI Syariah Cabang Bogor terhadap pembiayaan KPR, baik itu pada tahap analisis calon debitur sebelum persetujuan pembiayaan, proses manajemen setelah diberikan pembiayaan KPR, serta pada saat terjadinya pembiayaan bermasalah ataupun kemacetan pelunasan pembiayaan dari debitur.  Manajemen risiko didefinisikan sebagai suatu metode logis dan sistematik dalam identifikasi, kuantifikasi, menentukan sikap, menetapkan solusi, serta melakukan monitor dan pelaporan risiko yang berlangsung pada setiap aktivitas atau proses (Ferry N. Indroes; 2008). Terdapat 5 tahap dalam proses manajemen risiko, yaitu identifikasi risiko, pengukuran risiko, mitigasi risiko, monitoring risiko serta pengendalian dan pelaporan risiko (Imam, Wahyudi, et al: 2013).  Metode yang digunakan dalam penelitian ini adalah metode kualitatif dengan pendekatan deskriptif analisis. Penelitian kualitatif adalah penelitian yang bermaksud untuk memahami fenomena tentang apa yang dialami oleh subjek penelitian misalnya perilaku, persepsi, motivasi, tindakan, dan lain-lain secara holistik dan dengan cara deskripsi dalam bentuk kata-kata dan bahasa, pada suatu konteks khusus yang alamiah dan dengan memanfaatkan berbagai metode alamiah. jenis penelitian yang penulis gunakan adalah studi lapangan (Field Research) dilakukan dengan penelitian secara langsung pada kantor BRI Syariah Cabang Bogor.  Hasil dari penelitian ini adalah Manajemen risiko pembiayaan KPR yang diterapkan BRI Syariah Cabang Bogor meliputi identifikasi yang paling utama dijalankan dalam menyeleksi calon debitur adalah dengan analisis 5C (Character, Capacity, Capital, Colateral, Condition of Economi). Mitigasi risiko pembiayaan yang diterapkan BRI Syariah adalah dengan pengikatan agunan murni yaitu rumah yang dijadikan sebagai objek KPR itu sendiri, menyiapkan pencadangan modal, kebijakan mengutamakan pemberian pembiayaan KPR hanya kepada calon nasabah yang memiliki fix income yaitu nasabah yang berstatus karyawan tetap.  Penyelesaian pembiayaan bermasalah yang telah mencapai kolektabilitas V (macet) khusus pembiayaan KPR di BRI Syariah, pihak bank  tidak melakukan langkah-langkah penyelamatan dengan skema rescheduling, reconditioning, maupun restructuring, penyelamatan yang dilakukan adalah dengan langsung menjual atau melelang agunan yang tersedia yaitu objek KPR itu sendiri.  Pembiayaan KPR sebaiknya pembiayaan juga disediakan lebih luas untuk kalangan professional dan pengusaha dikarenakan prospek dari kalangan tersebut sangat besar danmeningkatkan perluasan alur penyaluran dari bank ke masyarakat dan peningkatan profit kepada bank BRI tentunya.

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