Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics)
This journal focused on Islamic law on economics and finance studies and present developments through the publication of articles. Specifically, the journal will deal with topics, including but not limited to Islamic law on Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Zakah, Waqf, Poverty Alleviation, Islamic Public Finance, Monetary Economics, Economic Development, Maqasid al-Shariah, Institutional Economics, Islamic management, Behavioural Economics and Finance, Corporate Governance, Risk Management, Shariah issues, Financial Engineering, Securitization and Sukuk, Islamic Capital Markets, Insurance and Takaful, Regulatory Issues, Corporate Social Responsibility in Islam and other topics which related to this area. The journal is intended to communicate original research and current issues on the subject. This journal warmly welcomes contributions from scholars of related disciplines.
Articles
707 Documents
ASAS INDEMNITAS DAN KAFÂLAH DALAM ASURANSI SYARIAH
Desmadi Saharuddin
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 1: January 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (434.234 KB)
|
DOI: 10.15408/aiq.v5i1.2560
The main objectives of a person to invest are to become wealthier and to gain tranquility in his life. It becomes absurd when the right customers for indemnity (kafâlah) towards customers who received a risk become unguaranteed. The customer is often difficult to understand the terms contained in the insurance policy that written in a very small font. The ambiguities of these terms become significant obstacles in the settlement of claims. Cases of claim are mostly the result of the customer’s difficulty in understanding these terms and the lack of a good explanation of the company concerning the content of the policy.DOI: 10.15408/aiq.v5i1.2560
Paper Money Value Change: Comparative Banking Fiqhiyyah Study
Hamzah Abdu Karim
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 1: January 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (1980.774 KB)
|
DOI: 10.15408/aiq.v5i1.2561
This article considered one of the significant issues in Islamicfinancial fiqh because it bears a close relation to financial commitment. Many fiqh treatments from a Sharia perspective were found in Islamic ancient fiqh. This issue was apparent in Islamic banks investment especially in murâbahah. The study concludes that it is a must who owes amount of money and its value changes to high or low to pay the value of money then,and not the actual amount. Furthermore, it shows that the treatment of fluctuations in money value comes by linking its value with some indicators, including stable currency and the linkage to gold or silverDOI: 10.15408/aiq.v5i1.2561
Potensi dan Strategi Marketing Perbankan Syariah pada Segmen Kelas Menengah Indonesia
Sofyan Rizal
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (284.757 KB)
|
DOI: 10.15408/aiq.v5i2.2563
Group of middle-class society is a tremendous market for Islamic business, especially Islamic banking. The fact that the majority of Indonesia's population is Muslim, Islamic business institutions should work on the mid-market segment earnestly. The potential of middle class development in Indonesia gives an opportunity for Islamic banks to compete in the market. Various characteristics of the middle class used as a valuable input in conducting market segmentation, targets, and formulate strategies to create the accepted products.DOI: 10.15408/aiq.v5i2.2563
Peningkatan Efektivitas Pemasaran Jasa Perbankan Islam Melalui Pemahaman Terhadap Segmentasi Pelanggan
Burhanuddin Yusuf
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (273.612 KB)
|
DOI: 10.15408/aiq.v5i2.2564
There are three segments of customers in Islamic banking industry: business customers, rational customers, and religious customers. This study found that the levels of customer’s satisfaction/dissatisfaction at the three segments (business,rational, and religious traveler) were differentiating by customers’ perception of service quality. The business customers has a higher focus on service quality and on time performance factors. In addition, the profit sharing factor is the differentiating variable in the level of satisfaction/dissatisfaction for rational customers. The application of sharia principles is the differen-tiating variabel of religious segments.DOI: 10.15408/aiq.v5i2.2564
Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia
Harjum Muharam;
Hasna Penta Kurnia
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (284.592 KB)
|
DOI: 10.15408/aiq.v5i2.2565
Bank konvensional dan syariah kurang lebih memiliki risiko sama. Oleh karena itu perlu pengamatan lebih lanjut untuk mengendalikan risiko likuiditas mereka. Studi ini mengkajipengaruh CAR, rasio profitabilitas, NIM, kesenjangan likuiditas, dan RLA milik risiko likuiditas di industri perbankan. Analisis statistik menyimpulkan bahwa terdapat pengaruh negatif dan signifikan dari CAR dan ROE terhadap risiko likuiditas pada bank konvensional, sementara ROA dan RLA berpengaruh positif dan signifikan. Dalam bank syariah, dampak positif dan signifikan dari NIM dan ROE terhadap variabel dependen, sedangkan kesenjangan likuiditas dan RLA memiliki pengaruh signifikan.DOI: 10.15408/aiq.v5i2.2565
Penerapan Metode Multiple Discriminant Analysis untuk Mengukur Tingkat Kesehatan yang Mengindikasikan Gejala Financial Distress pada Bank Umum Syariah
Shofaun Nada
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (377.552 KB)
|
DOI: 10.15408/aiq.v5i2.2566
This research aims to account, analyse and compare the level ofIslamic commercial bank’s health using CAMELS method mentioned in PBI No.9/1/PBI/2007 and SEBI No 9/24/DPbS/2007 and using multiple discriminant analysis (MDA) altman z-score method. There are only four of six factors that used in CAMELS: capital, asset, earning and liquidity excluding Management and Sensitivity of Market Risk factor. The variables of capital factors are KPMM and ECR ratio. Asset factor consist of KAP and NPF ratio. Earning factor contains four ratios, such as NOM, ROA, ROE and REODOI: 10.15408/aiq.v5i2.2566
Sumber-sumber Pendapatan dan Pengeluaran Negara Islam
Muhammad Fudhail Rahman
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (335.991 KB)
|
DOI: 10.15408/aiq.v5i2.2567
One of the most urgent instrument is the existence of government as manager of the State. Through the national budget of a state, it taps revenues and expenditures will be managed in a planned manner with the aim at prosperity of all people. For example, increasing the rate of economic growth (pro-growth), expanding new jobs (pro-job), and improve protection programs for the poor (pro-poor). In the classical discourse, Islamic government that had been present in the scene of history, has also pointed out the state opinion forms. This article briefly describes the ratio of budget revenues and expenditures between Islam and the Indonesian government system.DOI: 10.15408/aiq.v5i2.2567
Zakat, Infak, dan Sedekah: Modal dan Model Ideal Pembangunan Ekonomi dan Keuangan Modern
Muhammad Amin Suma
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (538.532 KB)
|
DOI: 10.15408/aiq.v5i2.2568
Zakat is the designation for a particular property that intentionally released to be channeled to mustahiq. Other financial types that always accompanies or included with it are zakat, infak and sedekah. ZIS funds can be considered as a triad of economic resources and short-term Islamic finance in synergy with other funding sources, such as grants, wills, and endowments-oriented for long-term interests. In addition to its management structure and mechanism is relatively simple and efficient, zakâh can be said always completely ready to cope with urgent needs. ZIS funds in enforceability of all peoples and Muslim nations showed that zakâh system appropriate to be used as capital and financial economic model and the most modern of all time.DOI: 10.15408/aiq.v5i2.2568
Pengaruh Instrumen Moneter Syariah dan Ekspor Terhadap Pertumbuhan Ekonomi di Indonesia
Wulan Asnuri
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (281.559 KB)
|
DOI: 10.15408/aiq.v5i2.2569
The aim from this research is to analyze the effect of total financing in Islamic banking (PEM), Sharia Certificate of BankIndonesia (SBIS) and export contribution to economic growth in Indonesia. The method that used in this study is error correction model (ECM). The result showed that in short-run SBIS gave a negative impact to economic growth, otherwise the total financing and export contribution didn’t have an impact to economic growth. In the long-run, total financing, SBIS, and export contribution have a negative impact to Indonesian economic growthDOI: 10.15408/aiq.v5i2.2569
Islam, Globalization, and Poverty Alleviation
Dwi Sulastyawati
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 5, No 2: July 2013
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta
Show Abstract
|
Download Original
|
Original Source
|
Check in Google Scholar
|
Full PDF (359.31 KB)
|
DOI: 10.15408/aiq.v5i2.2570
Globalisasi adalah keadaan dan situasi yang menglobal, baik secara ekonomi, politik, dan sosial. Semua negara yang menganut sistem perekonomian terbuka telah berperan serta dalam sistem globalisasi. Saat ini dunia berada di bawah pengaruh super power dunia. Misalnya adalah penggunaan dolar sebagai mata uang resmi untuk transaksi internasional sehingga dolar mendominasi dalam transaksi international. Akibatnya, nilai utang negara-negara berkembang mengalami kenaikan disebabkan kenaikan harga dolar. Kenaikan nilaiutang negara-negara berkembang menyebabkan pemerintah mengurangi subsidi bagi masyarakat, sehingga kesulitan ekonomi makin dirasakan rakyat kecil. Hal ini berakibat kemiskinan sulit dihilangkan. Artikel ini menganalisis perspektif Islam dan pelbagai pemikiran mengenai dampak globalisasi terhadap penghapusan tingkat kemiskinanDOI: 10.15408/aiq.v5i2.2570