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M Zidny Nafi' Hasbi
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INDONESIA
Journal of Islamic Economics and Business Ethics
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : 30644585     EISSN : 3047311X     DOI : 10.24235/jiesbi.v1i3
Core Subject : Economy, Art,
Arts Economics, Econometrics & Finance
IESBI: Journal of Islamic Economics and Business Ethics E-ISSN 3047-311X is and P-ISSN 3064-4585 high-quality open access peer-reviewed research journal published by the UIN Cyber ​​Syekh Nurjati Postgraduate, Cirebon, West Java, Indonesia in collaboration with the Association of Islamic Economic Experts (IAEI). This journal aims to be a forum for discussion and publication of research results from academics, researchers and practitioners on the topics of Islamic Economics, Sharia Banking, Islamic Finance, and issues within Asian countries. These topics can take the form of observations of contemporary economic phenomena which highlights economic system problems, regulations in Islam, and other topics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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Peran Penguasaan Teknologi, Kualitas Sumber Daya Manusia, dan Tingkat Upah Terhadap Permintaan Tenaga Kerja Di Pulau Jawa Heru Kurniawan
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024): Vol 1 No 1 2024
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.92

Abstract

Uneven demand for labor in Java Island causes economic inequality. this study aims to determine how the influence of technological mastery, the quality of human resources, and the level of wages on labor demand on the island of Java. this study uses qualitative methods with panel data, through model selection followed by model feasibility tests and classical assumption tests. The result of this research is known that XI with Prob. 0.0321 <0.05, then X1 has a significant effect on Y, for X2 with a Prob value. 0.0000 less than 0.05, then X2 has a significant effect on Y, and X3 with a prob value. This study concludes that mastery of technology can increase the demand for labor but hurt the decline in the demand for ordinary labor. the quality of human resources has a positive effect on the demand for labor on the island of Java and the level of wages hurts the demand for labor, when wages rise, the demand for labor will decrease. To equalize the demand for labor in Java, the government must equalize the development of good public facilities, easy access, and superior training, so that entrepreneurs are interested in building new economic sectors in areas in Java. thus the demand for labour will occur evenly not only in big cities but also in other regions.
Transparansi Dana Zakat untuk Meningkatkan Kepercayaan Masyarakat terhadap Lembaga Zakat M. Zidny Nafi&#039; Hasbi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024): Vol 1 No 1 2024
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.94

Abstract

Zakat management institutions need to be evaluated and can provide transparency and accountability of funds to the public. This study aims to determine the pattern of management of zakat funds in zakat management institutions. This study uses a qualitative descriptive method. The study involved the amil zakat institution in the district of sleman, the province of the special region of Yogyakarta. Data were obtained using interviews, observations, and literature studies on research problems. Data analysis used the Miles and Huberman model, namely data reduction, data tabulation, data presentation, and conclusion. The results show that a transparent income and expenditure report will increase the number of funds collected and facilitate the distribution of zakat evenly. In addition, the transparency of zakat funds will increase public trust in zakat institutions. Therefore, this research is expected to provide an overview of zakat institutions to be transparent and accountable for the funds obtained and distributed.
Implementation of the MMQ Agreement in KPR ProductsOn Increasing Financing at Bank Muamalat KCP Kuningan Diah Syifaa&#039;tu Zahro; Achmad Kholiq; Mariyah Ulfah
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024): Vol 1 No 1 2024
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.97

Abstract

In Indonesia, the housing problem is very big, especially in metropolitan areas. Bank Muamalat offers iB Hijrah KPR with Murabahah and musyarakah mutanaqishah contract options. The research was conducted to understand the implementation of the musyarakah mutanaqisah contract in KPR products. on KPR Financing at Bank Muamlat KCP Kuningan. And the results of implementing the musyarakah mutanaqisah agreement on KPR products in increasing KPR financing at Bank Muamalat KCP Kuningan. This research uses a qualitative approach, with data sources used namely primary and secondary, and data collection techniques of observation, interviews, and documentation. Bank Muamalat KCP Kuningan implements the musyarakah mutanaqisah agreement in the iB Hijrah KPR financing product through three stages, including BI Checking for husbands and wives with five columns of financial assessment. The financing process involves musyarakah mutanaqisah and ijarah contracts, where customers gradually buy a house from the bank. Despite facing challenges in public understanding and document requirements, the bank carried out a thorough feasibility assessment process. Thus, the implementation of the musyarakah mutanaqisah agreement was proven to have a positive impact on increasing mortgage financing. Increasing the number of customers and sales volume of mortgage products with promotional and educational efforts. Annual data records increases and decreases in mortgage financing at Bank Muamalat KCP Kuningan. As seen from the annual data of Bank Muamalat Indonesia for 2022-2023 there has been an increase and in 2019-2021 there has been an increase and decrease. Bank Muamalat KCP Kuningan succeeded in overcoming obstacles in understanding and obtaining IMB in the implementation of the Musyarakah Mutanaqisah KPR iB Hijrah Agreement by implementing a relief policy. As well as being able to restore increased financing using a promotion, and education to the community, educational institutions, and government.
The Influence of Population and Economic Growth on The Human Development Index in Kuningan West Java Ipuk Widayati Widayanti
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024): Vol 1 No 1 2024
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.98

Abstract

This study aims to investigate the impact of economic growth and population on the Human Development Index in Kuningan. This study aims to gain a deeper understanding of the extent to which economic growth and population affect the Human Development Index in Kuningan. The data used in this study is secondary data obtained from the Central Statistics Agency (BPS) during the period 2018 to 2023, covering 6 years. In this study, multiple linear regression methods were used to analyze the data. Research findings show that when economic growth increases by 1%, the human development index will decrease by 0.421795. This is due to the uneven distribution of economic growth in society, resulting in income inequality and difficulty in meeting the needs of a decent life. This finding also shows that if the population increases by 1%, it will reduce the human development index in Kuningan by 2.187595. This decline is caused by a lack of employment that is not proportional to population growth, which has the potential to result in high unemployment and a decrease in people's welfare.
The Influence of Service Promotion and Work Productivity on Customer Decision to Saving at PT Bank Muamalat Indonesia KCP Bantul Ratih
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 1 (2024): Vol 1 No 1 2024
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i1.99

Abstract

The purpose of this study was to determine the effect of promotion, service, and productivity as well as the simultaneous and partial influence on the customer's decision to save at PT. Bank Muamalat Indonesia KCP Bantul. Research method through observation, questionnaires, and documentation. The library materials are then analyzed with written source guidelines and concluded. From the results of this study, the authors found that the results of this study indicated that 76.3% of the dependent variable in saving decisions could explained by the independent variables namely promotion, service, and work productivity. While the remaining 23.7% was caused by other variables not involved in this study such as product image, service quality, customer value, etc. The t-test on the promotion, service, and work productivity variables shows that the count obtained exceeds the table so it can be said that the promotion, service, and work productivity variables have a positive and significant effect on saving decisions. The partial test shows that the regression coefficients for the promotion, service and work productivity variables exceed the significant value so that together the promotion, service, and work productivity variables have a positive/significant effect on saving decisions.
An Exploration of the Potentialities of Bai-Salam as a Mode to Financing Agricultural Products in Nigeria: A Case Study of Nguru-Bade Farmers Ahmad Doha
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 2 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i2.129

Abstract

Lack of funding and difficult in securing loan from the bank due to absence of collateral are the major problems that detrimentally affecting the farmers of Nguru-Bade local government areas. Therefore, the overall objectives of this study are to gauge the level of awareness of the farmers of Nguru-Bade local government areas about Bai-Salam product and services and examine how Bai-Salam product can be used as best alternative in financing farmers in Nguru-Bade local government areas. The study used primary source of data (interview) to gained information for the study in order to answer the research questions and achieve the stated objectives. The study also used thematic analysis techniques to analyze the data collected through interview using focus coding techniques. The result from the study depicts out that there is lack of awareness on the Bai-Salam instrument by majority of the farmers of Nguru-Bade local government areas of Yobe state and Bai-Salam being an instrument of Islamic financial institutions can play a vital role in financing farmers deficit in the areas from planting up to harvesting period.
Strengthening Muamalah Maliyah's Literacy Understanding of Online Transactions in Indonesia Ahmad Supriyadi; Arqhan Ravaşdeh
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 2 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i2.130

Abstract

This research aims to test and analyze the understanding of students majoring in Commerce Management at the ALKS study program in implementing online buying and selling schemes from an Islamic perspective, namely by using the Muamalah Maaliyaah contract. The population in this study was 278 people from each generation of the ALKS study program, a sample of at least 10 people was taken and then the sample size became 100 people. This research uses a quantitative approach. The data collection technique used was by distributing questionnaires and interviews. The model used is a simple linear regression model with statistical analysis tests used are the classical assumption test, T-test, validity, and reliability tests. The research results show that from a simple regression test, the results of the t-test variable for the variable Understanding the Muamalah Maaliyaah Agreement show t_count of 15.024 > t_tabel of 1.98472 and a Sig value of 0.000 < 0.05. These results show that "There is a significant relationship between the influence of Understanding the Muamalah Maaliyah Agreement (X) on the decision to carry out online transactions (Y)". It can be concluded that there is a very large influence of ALKS study program students' muamalah literacy on the decision to carry out online transactions.
Considerations of Religion and Situational Factors, Internal Control on the Occurrency of Fraud Trends: An Experimental Study of the Financial Services Sector in Indonesia Indah Kartika Sari; Huraira Rifas
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 2 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i2.131

Abstract

Financial statement fraud does not only occur in the private sector but can also occur in the government sector in the form of material misrepresentation of financial statements to cover up the actual financial condition by carrying out financial engineering. This study aims to examine religious considerations and situational factors, namely pressure or directives from superiors and internal controls against committing fraud tendencies. Literature reveals that religion plays a dominant role in shaping employees' values in their work. This study used an experimental method on 33 financial institution employees divided into two sessions to see the impact of scenarios. The analysis technique using Analysis of Variances (ANOVA) is used to perform multivariable comparative analysis. The results of empirical testing show that internal control factors have a negative influence on fraudulent behavior, and pressure factors or superior directions have a positive effect on the tendency to commit fraud. Meanwhile, religious considerations have less influence on fraud tendencies.
Implementation of Accountability and Reporting Based on Islamic Sharia in Efforts to Prevent Regional Government Financial Fraud Abdul Muftih; Ssonku Muhammedi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 2 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i2.132

Abstract

The main objective of this study is to prevent fraud in the local government sector on the island of Java by increasing government accountability using the cultivation of the values of the teachings of the kindness of Javanese ancestors, including; Indra Brata (Sky), Yama Brata (Star), Surya Brata (Sun), Candra Brata (Moon), Bayu Brata (Wind), Kuwera Brata (Earth), Baruna Brata (Ocean), Agni Brata (Fire) in each regional apparatus. The concept of this research used attribution theory, which provides an explanation of the reasons why someone does something or chooses to act in a certain way, so that good accountability based asthabrata greatly supports fraud prevention in the local government sector.This research collects data using the literature study method from sources with the theme of fraud and corruption, such as journals and a financial audit agency report on the island of Java between 2020 and 2024. The results of this study indicate that as a whole the implementation of asthabrata values is not optimal in increasing accountability in order to prevent financial fraud on the island of Java. As an implication, Javanese philosophy of "Asthabrata" can be used as a tool in improving financial reporting accountability in order to kill the growth of fraud in the local government financial sector. This research is one of the first to examine in depth related to asthabrata-based accountability in preventing fraud in local government on the island of Java.
Factors that influence the Islamic Perspective Human Development Index as Evidence of the Development of the Muslim Community Dwi Lestari; Nur Azlia Arumi
JOURNAL OF ISLAMIC ECONOMICS AND BUSSINES ETHICS Vol 1 No 2 (2024): JIESBI: Journal of Islamic Economics and Business Ethics
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jiesbi.v1i2.133

Abstract

This study aims to analyze the relationship between macroeconomics and zakat on the Human Development Index (HDI) and the Islamic Human Development Index (I-HDI) using the maqāṣid al-sharī'ah theory approach. We also calculate I-HDI based on maqāṣid al-sharī'ah theory by combining material and non-material aspects and then compare between I-HDI and HDI. The indicators used in the calculation of I-HDI are indicators that are relevant and in accordance with the objectives of maqāṣid al-sharīʿah, so that I-HDI can give a general picture of the results of human development. By employing the dynamic panel regression two-step Generalized Method of Moments (GMM) the study finds that there is a significant difference and quite a large disparity between the results of the HDI and I-HDI, in 34 provinces of Indonesia. The study reveals that economic growth, health fiscal policy, and zakat have a positive effect both on HDI and I-HDI. Nevertheless, the education fiscal policy variable has a positive effect on I-HDI, and conversely, has a negative effect on HDI. This condition occurs because the target and strategy for absorption of the education budget are not optimally carried out by the government. This research suggests that in formulating budget policies, the government should not only focus on material elements but also non-material elements which are reflected in the I-HDI model.

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