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Al-Ulum

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Published by Institut Agama Islam Negeri Sultan Amai Gorontalo

ISSN : 14120534 EISSN : 24428213 DOI : https://doi.org/10.30603/au.v19i2.1051

Core Subject : Religion, Economy,

Religion Economics, Econometrics & Finance

Al-Ulum adalah jurnal yang terbit berkala pada bulan Juni dan Desember, ditelaah dan direview oleh para ahli dalam bidangnya, diterbitkan oleh lembaga Penelitian dan Pengabdian pada Masyarakat Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo, Indonesia ISSN 1412-0534 E-ISSN 2442-8213 Al-Ulum telah diakreditasi dengan peringkat B oleh Kementerian Pendidikan dan Kebudayaan Keputusan Keputusan Direktur Jenderal Pendidikan Tinggi No. 53/DIKTI/Kep/2013 untuk periode 2013-2018. Sekarang, AL-Ulum telah terakreditasi sistem online dengan peringkat “Sinta 2” untuk periode 2018-2022 oleh Kementerian Riset, Teknologi, dan Pendidikan Tinggi SK No. 21/E/KPT/2018.

Arjuna Subject : Umum - Umum

Articles 12 Documents

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Search results for , issue "Vol. 17 No. 1 (2017): Al-Ulum" : 12 Documents clear

Pengembangan Kurikulum Ekonomi dan Akuntansi Syariah di Sekolah (Studi atas Persepsi Guru dan Siswa di SMA Kota Gorontalo) Niswatin Niswatin; Roy Hasiru; La Ode Rasuli
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This research aims to describe the perception of teachers and students to the curriculum development of Islamic economics and Islamic accounting at secondary school (high school) in the city of Gorontalo and forms of curriculum development. The method involves a survey of teachers and high school students in the city of Gorontalo by using random sampling with certain criteria. Criteria Teachers are teaching on the subjects of economics and accounting, amount of 17 people, while the student is enrolled as a student majoring in social studies subjects who have obtained economic and accounting totalling 200 students. Data were analysed using descriptive frequency test results. The results showed that 74.1% of teachers and 70.18% of students stated strongly agree and agree curriculum sharia economics and accounting is applied or taught at secondary school level (high school) in the city of Gorontalo. The poll results of the teacher find a form of curriculum implementation of economic and accounting sharia entered as a local content of 47%, incorporated into the lessons of Social Sciences (IPS) by 35%, and incorporated into the Standard competency or Basic competence in the subject of economics and accounting as much as 6%.

Pengembangan Ekonomi Islam di Pesantren Jawa Timur Ahmad Fauzi
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This article aims to elaborate the value of local pesantren (Islamic boarding school) in Islamic economic development. The pesantrenâ€™s Islamic economics is assessed by using the Pierre Bourdieu's social practice theory of social action, namely (Habitus x Capital) + Ranah = Practice. In the theory of social practice, internalization of social values, interpreted as social capital in realizing the behaviour of Islamic economics (economic behaviour). The transformation of the value of local wisdom, believed to be able to inspire all the actions and social roles of individuals in the economic field by promoting the three basic pillars, among others: 1) ownership (al-milkiyah) according to sharia, 2) ownership use (tasharruffi al-milkiyah) and 3) distribution of community wealth (taui 'al-tsarwah baina al-nas) through mechanisms according to the system: shari'a, ai-ashlu fial-afdl' al-taqajyudu bi al-hukm al-syar'.

Measuring The Accomodation of Sharia Principles in Determining the Pricing of Consumer Financing Products of BSM (Sharia Mandiri Bank) Syaparuddin Syaparuddin
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This study is intended to evaluate the pricing determination of consumer financing products of BSM, so that the customers can find out if BSM provides a treatment of installment payments on consumer financing products in accordance with sharia principles. In establishing the pricing on consumer financing products, BSM uses two methods, namely: the annuity method and the proportional (flat) method. The Construction of pricing on the consumer financing products in BSM is based on: (a) the total of installment payment per-month, it is based on financing platfond, percentage of margin, and period of time, (b) the principal installment payment per-month, it is based on total of principal installment payment per-month, and margin, (c) the installment payament of profit margin per-month, it is based on platfond, principal, and percentage of margin. The pricing used by BSM needs to be revitalized because (a) there is a profit return factor for customers, (b) containing a gharar element, and (c) using the paradigm of conventional bank in setting pricing.

Peningkatan Kinerja Karyawan Perbankan Syariah di Gorontalo (Studi atas Budaya Organisasi, Kompetensi dan Motivasi) Mustofa Mustofa
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

The purpose of this article is to analyse the influence of organizational culture and competence to motivation; organizational culture and competence directly on performance; motivation on performance; and organizational culture and competence on employee performance through employee motivation of syariah banks in Gorontalo. The result shows that organizational culture and competence have a positive and significant effect on motivation organizational culture has a positive and significant impact on employee performance. while the competence does not significantly affect the performance of employees; Motivation has a positive and significant impact on performance; And organizational culture and competence have a positive and significant effect on employee performance through motivation. This study recommends that further research on the same substance in the wider scope in the other organization level must be taken into account in order to obtain a more comprehensive picture of the development of contribution of organizational culture role and competence to motivation and performance of sharia banking employees, and leadership of sharia banking.

Manajemen Resiko Pembiayaan pada Bank Syariah: Suatu Tinjauan Filsafati Iskandar Iskandar; Amiur Nuruddin; Saparuddin Siregar
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This article is a continuation of the discourse on the concerns and dilemmas of the development of Islamic banking among the financing of profit sharing with the mark-up system (murabah). This study attempts to explain the reasons for saturation of sharia banks in financing the profitsharing. It aims to present the principles of risk-sharing financing management and also strive to offer its philosophical construction. Funding risk management principles in sharia banks should refer to the principle of tauhid. On the basis of these basic principles, general principles of risk management of musharaa are ibnÄdah, ibÄah, freedom of contract, consensus, principles of engagement, principles of equilibrium and partnership, benefit, trust, justice, democracy and, fath aÅ¼-Å¼arÄ«ah. These principles are based on four conscious awareness risk, should not direct itself in loss (wa la tulkuu), awareness on the obligation to do good deeds (wah ahshinu) and transcendental awareness (wa-takuw).

Literasi Keuangan Islam di Perdidikan Tinggi Islam: Kajian Empiris di UIN Alauddin Makassar Salmah Said; Andi Muhammad Ali Amiruddin
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Literacy is related to oneâ€™s competence or knowledge of particular or specific disciplines/areas. Financial literacy is one's knowledge of finance and his ability to make effective financial decisions. Thus, Islamic financial literacy represents oneâ€™s level of knowledge about Islamic financial comprehensively. The aim of this study is to examine the level of Islamic financial literacy of civitas academica (lecturers, students, and employees) of State Islamic University (UIN) of Alauddin Makassar. The study reveals that, in general, the Islamic financial literacy of civitas academica of UIN Alauddin Makassar is still low. Furthermore, financial literacy on Islamic banking is still dominated compare to other Islamic financial institutions. Finally, this study also shows that financial literacy level of female respondents is higher than their male counterparts.

Praktik Ekonomi Islam pada Komunitas Keagamaan di Sulawesi Selatan Mustaqim Pabbajah
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This article aims to explain the implementation of the Islamic economic system in the process and practice of community empowerment by selecting the An-Nadzir religious community in South Sulawesi as the basis for its analysis. In this case An-Nadzir developed as an independent religious community with the application of Islamic economics in social-economic life. This research is done by qualitative data collection, then presented in descriptive analysis. In the era of the ASEAN economic community and the current global economic competition, various forms of strategy and implementation of the economic system need to be done. One is the implementation of Islamic economics with the empowerment of society as a practical offer. This is endeavourmust be implemented through the empowerement the middle to lower community in order to create a strong, creative, and more independent society. The social-economic empowerment of religious communities is one of the bids as an alternative to implementing the Islamic economic system.

Baitul Maal wat Tamwil (BMT) Berbasis Kearifan Lokal Gorontalo Sofhian Sofhian
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This paper is inspired by the practice of helping the people of Gorontalo called it â€œHuyulaâ€. The huyula are aimed to enhence solidarity among fellow community to mutually share the burden when facing problems, including economic issues. The author focuses on the incorporation of the huyulapractice to theBaitul Maal wa Tamwil (BMT) system. This article aims to provide motivation for practitioners of financial institutions particularly the islamic financial institutions, in this case the Baitul Maal wa Tamwil (BMT) in order to increase productivity and cost savings. Because the practice of Baitul Maal wa Tamwil (BMT) with Huyula cultural practices have a common goal which is helping.The focus of this paper is to provide an overview of Gorontalonese symboliccultural indigenous locus:â€œCulture is basedshariah and the shariah is based on the Qurâ€™anâ€. This study finds out that practice of thehuyulaamong the Gorontalonese is genuinely compatible with the implementation of Baitul Maal wa Tamwil (BMT).

Praktik Murabahah pada Perbankan Syariah di Kendari Ummi Kalsum
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This study aims to determine the murabahah financing practices in Islamic banking with a case study in Kendari Branch BMI. This research employs the qualitative research and descriptive explorative research by implementing interview technique, observation and documentation. The collected data then processed and analysed by step reduction, presentation and conclusion. The approach used in this research is normative juridical. The results show that the determination of the law murabahah based on Muslim scholars judgement (ijmaâ€™) because Muslims have been practicing since the first trading murabahah. Murabahah must not conflict with sharia and regulated in Law No.21 of 2008 concerning Islamic Banking and fatwas DSN-MUI related to murabahah. While based on the results of research in the field of murabahah financing practiced in Kendari Branch BMI is generally in accordance with the provisions set forth by Law No.21 of 2008 concerning Islamic Banking and DSN MUI fatwas both in terms of the parties, the contract murabahah contract pillars, steps murabaha applicable on Islamic banking in Indonesia and some provisions relating to the financing murabaha.

Interdependensi Variabel Makro Ekonomi terhadap Perkembangan Aset Perbankan Syariah Noni Rozaini; M. Yusuf Harahap; M. Nasir Nasution
Al-Ulum Vol. 17 No. 1 (2017): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

This article aims to analyse the macroeconomic interdependence and development of sharia banking assets in Indonesia. This study employed quantitative method by using Vector Auto Regression (VAR) technique. The results of this study indicate that (1) Gross Profit Share Instrument based on Vector Error Correction Model (VECM) estimation result has significant influence with high coefficient of sharia banking ASET. (2) Profit sharing instruments based on the Impulse Response Function (IRF) analysis or dynamic behaviour of the model turns out to be the highest and highest variable responded by the research variables. (3) Sharing Instrument based on analysis of Variance Decomposition (VD) is a variable that has a composition and a large role responded by other variables. (4) ASSET instrument of sharia banking based on Impulse Response Function (IRF) and Variance Decomposition (VD) analysis.

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Khairiah

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Home Page

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Editorial Team

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Contact Name Khairiah

Contact Email khairiah@iainbengkulu.ac.id

Phone +6285342358888

Journal Mail Official nazarhusain80@gmail.com

Editorial Address LP2M IAIN Sultan Amai Gorontalo jl. Gelatik no1 Kota Utara, kota Gorontalo Provinsi Gorontalo, Indonesia.

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Contact Name
Khairiah

Contact Email
khairiah@iainbengkulu.ac.id

Phone
+6285342358888

Journal Mail Official
nazarhusain80@gmail.com

Editorial Address
LP2M IAIN Sultan Amai Gorontalo jl. Gelatik no1 Kota Utara, kota Gorontalo Provinsi Gorontalo, Indonesia.

Location
Kota gorontalo,

Gorontalo

INDONESIA