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Ahmad Suminto
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ahmadsuminto@unida.gontor.ac.id
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iej@unida.gontor.ac.id
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Department of Islamic Economics University of Darussalam Gontor, Jl. Raya Siman, Demangan - Siman - Ponorogo, Jawa Timur, 63471
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Kab. ponorogo,
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INDONESIA
Islamic Economics Journal
Published by Universitas Darussalam Gontor
ISSN : 24601896     EISSN : 25415573     DOI : -
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences
Islamic Economics Journal is an international journal providing authoritative sources of scientific information for researchers and scholars in academia, research institutions, government agencies, and industries. Published semi-annually (June and December) by Department of Islamic Economics, Faculty of Economics and Management, University of Darussalam Gontor. Editors accept scientific articles and results of research in accordance with contemporary Islamic economics issues in big five areas namely; Islamic Public Economics, Islamic Monetary Economics, Islamic Business Economics, Islamic International Economics, and Islamic Development Economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 89 Documents
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Analisis Permintaan Modal Kerja Usaha Mikro Pada Masa Pandemi Covid-19 Dalam Prespektif Permintaan Islam Maulana Firdaus Firdaus; Lilik Rahmawati Rahmawati; Zuhrotun Nisa Nisa
Islamic Economics Journal Vol. 8 No. 01 (2022): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

One of the most crucial tools in starting a business is working cash. The Covid-19 Pandemic has been going on since the fourth quarter of 2019, and in the first quarter of 2020, things got so bad that small business owners couldn't raise enough money to keep their operations going. Own capital, money from investment funds, and working capital from banks make up the business's three sources of capital. Working capital from banks refers to funds obtained from banks in the form of financing at Islamic or credit at conventional banks. Economic conditions have improved across a number of industries as a result of the Covid-19 pandemic, which is starting to be under control. In this situation, the government offers a wide range of choices, from restructuring to the provision of new working capital for the microeconomic sector, to sustain economic circumstances so that they can quickly recover. Micro-scale business conditions have quickly improved as a result of the significant number of requests for working capital that financial institutions have received during this pandemic. Lower middle class or MSME entrepreneurs develop a wide range of products that can be offered on the market. Therefore, the goal of this essay is to examine the demand for working capital from an Islamic perspective during the Covid-19 pandemic. The descriptive qualitative approach is used in this research procedure. The findings of this study investigate, from the viewpoint of Islamic demand, the rising need for working capital for microbusinesses during the Covid-19 pandemic.
Testing the Validity of Risk Management in Islamic Finance: The Hadith Point of View Abdul Qoyum Qoyum
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

Risk management in Islamic finance can be seen as an important aspect for business operation. The nature of Islamic finance which is quite different compared to conventional counterparts since the existance of shariah principle affect the risk management is more crucial in Islamic finance. Nevertheless, the practice of risk management in Islamic finance must be in line with shariah. Hence, this paper aims to analyze the validity of risk management from the Hadist point of view. By conducting qualitative research through detecting the quality of Hadist, the study revealed that Risk management practice is in line with shariah principle. It is based on the Hadits narrated by Ibnu Hibban that from the text, including in the matan and sanad can be classified as hadits ‘shohih”. In addition, the practice of Risk management is comply to the fulfilment of maqosid syariah.
Determinant of Zakat Productive towards Small Medium Enterprise (SMEs) Incomes of Recipient of Zakat Ichsan Hamidi Hamidi; Suhel Dirta Pratama Atiyatna Atiyatna; Alghifari Mahdi Igamo Igamo
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

This study aims to find out the determinant of zakat productive towards Small Medium Enterprise (SMEs) incomes of recipient of zakat. This study uses quantitative approaches using primary data which collect through interviews, documentation and observation with a quetionnaire. The population are all recipients of zakat who received the funding of zakat productive from BAZNAS of South Sumatera. The data is analyzed using multiple reggression model. The results of this study indicate that the determinant of zakat productive like zakat productive funds and training has a significant contribution on SMEs incomes of recipient of zakat. On this point zakat productive program can be developed more broadly and with more scheme, so that more recipients of zakat can join this program and got more welfare and a good living.
Zakat dan Jizyah Sebagai Pengendali Sistem Moneter: Sebuah Kajian Konseptual Wahyu Nugroho Nugroho; Syamsuri Syamsuri,; Syamsuddin Arif Arif; Dzul Fadli Fadli
Islamic Economics Journal Vol. 5 No. 02 (2019): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

availability through the role it's government, so it can maintain the welfare of it's people. The government is free to determine the state’s income policy, which must be fair and not violate sharia. Among the state income policies in Islam are zakat and jizya. Zakat is imposed on Muslims, while jizya is on non-Muslims. History records that both can influence the monetary economy in Muslim countries. Principally, these two are not the same. So, the reson for this research is to find the concept of both is monetary controllers. This research uses qualitative method of historical approach, by using past data to understand the events that took placeat the moment. The concept of zakat is worship for Muslims to get closer to God and purify the wealth. Meanwhile, jizya is required from non-Muslims as a form of obedience to the government which guarantees their lives in an Islamic state. Moreover both can affect state's monetary. Because when a Muslim pays zakat, it will increase wealth distribution (aggregate demand), as a result, the recipient becomes prosperous, with the assumption that they will invest. This investment will shift the demand for money (aggregate supply) so that the number of goods and services also grow. Meanwhile, jizya is distributed to government operations including security, so that security can also increase public confidence in carrying out real economic activities. Therefore, if zakat and jizya are managed properly, they will keep inflation down. Moreover, it can even eliminate the economic crisis and improve people’s welfare.
Pengaruh Pemahaman Wakaf Terhadap Niat Berwakaf Tunai Jama’ah Masjid di Kecamatan Kota Ponorogo Abdul Latif Latif; Imam Haryadi Haryadi; Adib Susilo Susilo
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

This research aimed to seek the influence of waqf understanding on cash waqf intention of the mosque congregation at the District of Ponorogo. The method employed in this study is multiple regressions with primary data collected from 150 respondents of 5 big mosques in the District of Ponorogo within the questionnaire. The result of the study shows that all variables of waqf understanding namely basic understanding of waqf, understanding of waqf benefit, and understanding of waqf laws are simultaneously influenced the dependent variable with significant impact. Meanwhile, partially understanding the benefit of waqf positively significant influenced the intention to participate and donate cash waqf, while the rest variables had no impact on the intention to participate and donate cash waqf.
Strategi Fundraising Zakat Profesi (Studi Kasus Baitul Maal Hidayatullah Ponorogo) Aqif Khilmia Khilmia; Fikri Iskandar Iskandar
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

Zakat as a pillar of Islam has a very important role because it has two dimensions, namely vertical as a form of obedience and obedience to Allah SWT, and a dimension of caring for fellow humans as servants. Zakat is divided into two, namely zakat fitrah and zakat maal. Zakat mal is divided into several types of zakat, including business zakat, agricultural products, livestock, gold, silver, minerals and found items. Seeing the importance of zakat, there must be a good manager in it. LAZNAS Baitul Maal Hidayatullah Ponorogo is a national amil zakat institution which is engaged in the collection of zakat funds, which is found in almost every city in Indonesia. Because many amil zakat institutions, especially those in Ponorogo district, demand the Baitul Maal Hidayatullah Ponorogo amil zakat institution to continue to improve the quality and professionalization as a good institution of competence and professionalism in collecting professional zakat funds. The purpose of this study is to determine the strategy of professional zakat fundraising in Baitul Maal Hidayatullah Ponorogo. This research method is to use a qualitative method using a case study approach. The results of this study The strategy carried out by baitul Maal Hidayatullah Ponorogo using direct and indirect strategies, using education to the community in Ponorogo is door to door and through social media. It is proven to be successful where the professional zakat funds collected have increased every year.
Relevansi Konsep Hutan Wakaf dengan Konsep Wakaf di dalam Islam Devid Frastiawan Amir Sup Devid
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

This study aims to find the relevance of the concept of waqf forest with the concept of waqf in Islam. The method used is qualitative-literature-descriptive. The conclusion obtained, waqf is holding ownership of one's property so that the benefits can be distributed for the benefit of the people, both in terms of social, economic, scientific, and so on including the environment. Waqf forest is a form of productive waqf in rebuilding a land to be used as a forest. The benefits of waqf forests can be used for social benefits, namely as a source of oxygen, springs, and life for many creatures. In the economic field, waqf forests can produce economic goods, waqf forests can also be used by local residents (provided they are not allowed to damage the forest), and there are many other benefits of waqf forests. Based on the meaning, pillars, conditions, and objectives of waqf, the waqf forest has relevance to the concept of waqf in Islam. In addition, waqf forests are also in accordance with the provisions in waqf regulations in Indonesia as stated by BWI.
Analisis Rasio Kinerja Keuangan Bank Muamalat Indonesia Pada Masa Pandemi Covid-19 Indah Harum Rezeki Rezeki; Heni Noviarita Noviarita
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

This study was conducted to determine the financial performance of Bank Muamalat Indonesia in terms of financial ratios that were reported periodically during the Covid19 pandemic. This type of research is a descriptive study with a qualitative approach. The data collection technique used is through the documentation method, namely secondary data collection in the form of quarterly financial reports that have been published on the Bank Muamalat Indonesia website in 2020. The analysis technique used is a descriptive analysis by analyzing banking financial performance ratio data. The results of this study state that the financial performance of Bank Muamalat Indonesia during the Covid 19 the year 2020 pandemic was in a healthy condition from the aspects of capital, quality of earning assets, and liabilities. This is evidenced by the results of the value of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Financing to Debt Ratio (FDR) which are always at the standard value of a healthy bank financial performance. Meanwhile, in terms of profitability and operational management, Bank Muamalat Indonesia is in an unsanitary condition. This can be seen from the results of the ratio of Return on Assets (ROA), Operational Costs, and Operating Income (BOPO) which are always at ratios that do not comply with sound financial value standards.
Intervensi Harga Produk Sekunder Pada Masa Pandemi Covid-19 Perspektif Islam Nafilatur Rohmah Rohmah; Meichio Lesmana Lesmana; Ahmad Suminto Suminto
Islamic Economics Journal Vol. 7 No. 01 (2021): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

Islam applies freedom in the market mechanism on condition that it does not conflict with the values and principles of sharia. In the condition of the Covid-19 pandemic facing the world, especially Indonesia, the government must intervene in prices for internet data product prices because the PSBB policy implemented by the government to break the chain of spread of Covid-19 has a significant impact on public opinion, especially for the lower middle class. In addition, this policy will make the demand for internet data quite high while government subsidies cannot accommodate the community's need for internet data. The purpose of this study was to determine the Intervention of Secondary Product Prices during the Covid-19 Pandemic Period from an Islamic Perspective. The research used in this research is library research. The high market demand for the internet and the decline in people's incomes make the price of internet data difficult to reach by all levels of society, this requires the role of the government. the government can make decisions or regulations regarding the maximum limit for internet data prices during this pandemic period so that the selling price can be reached by all circles of society and still provide profits or profits for the seller or producer.
Pengaruh Faktor Makroekonomi Terhadap Resiko Pembiayaan Bank Syariah Studi Pada Bank Umum Syariah di Indonesia Tahun 2015-2018 Rizki Fitriansyah Fitriansyah
Islamic Economics Journal Vol. 5 No. 02 (2019): Islamic Economics Journal
Publisher : Faculty of Economics and Management

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Abstract

Sharia banks are one of the financial institutions that are currently still developing in Indonesia. The presence of sharia banks aim to become an alternative financial institution for people who need banking services using a profit sharing system. Like other financial institutions, Sharia banks also have a risk faced, namely the risk of financing. The risk of financing in Sharia banks is commonlyknown as the risk of impaired financing. The level of impaired financing in Islamic banks is one indicator of the level of the soundness of banks. The size of the impaired financing level is partly due to bad financing and the sluggishness of the real sector in response to macroeconomic conditions. The current economic conditions that have become macroeconomic concerns of the public include theinstability of exchange rates and inflation. Financial system instability (financial crisis) in addition to influencing banking liquidity also encouraged an increase in impaired financing for sharia banks. Based on the background above, this research conducted to determine the effect of macroeconomic factors, exchange, and comparison, on interest rates on Sharia Commercial Banks in Indonesia. The data used in this study are secondary data obtained from Sharia Banking Statistics (SPS) issued by the FinancialServices Authority (OJK) and economics statistical data from the Indonesian Bank. Analytical technic on this study uses multiple linear regression analysis techniques. The results shows that the rupiah exchange rate and the exchange rate were significant for impaired financing on Sharia Commercial Banks in Indonesia. Meanwhile, the exchange rate has a significant negative effect on impaired financing at Sharia Commercial Banks, while the exchange rate is significant against impaired financing at Sharia Commercial Banks

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