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
MENGELOLA KEUANGAN SECARA SYARIAH DALAM RANGKA MENUMBUHKAN GOOD MONEY HABIT
Masruroh, Aini
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 1 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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DOI: 10.15408/aiq.v5i1.2557
The wealth owned by Muslim basically is a trust from Allah that must be spent or distributed responsibly. Good habit in spending money is reflected on how the person makes a financial decision of his own. The main aspect in conducting the financial plan is the ability to save and invest. A person is qualified as having good money habits if he is able to ‚pay themselves‛ first than other interests. Meaning that each earn he have, he is able to allocate it to charity, the primary consumption, and plans for the future. Whereas the ‚spontaneous‛ type might probably refuses to make a financial planning.DOI: 10.15408/aiq.v5i1.2557
PERSEPSI WÂQIF DALAM BERWAKAF TUNAI
Rahmawati, Yuke
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 1 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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DOI: 10.15408/aiq.v5i1.2558
One of the provision contained in the Act 41 Year 2004 on Waqf is the permissibility of giving waqf in cash. This article describes various perceptions, taking into account of the strengths, weaknesses, opportunities, and challenges of cash waqf. Opportunity factors include the management and empowerment opportunities cash waqf as a form of new investment. The concept of fiqh is flexible and dynamic, therefore the waqf as a great potential to be developed according to the needs of the time. Aside of that is disadvantage factors such as absence of the of Muslim’s opinion on the issue.DOI: 10.15408/aiq.v5i1.2558
PENYELESAIAN SENGKETA PERJANJIAN SYARIAH PADA LEMBAGA KEUANGAN SYARIAH
Maskufa, Maskufa
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 1 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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DOI: 10.15408/aiq.v5i1.2559
Dispute settlement in Islamic tradition has been carried out since the era of Prophet Muhammad Saw. This is done through the courts (litigation) and through shulh, fatwâ, mazhâlim, and hisbah, known as nonlitigation. The form of mu‘âmalah dispute settlement especially applicable nowadays is almost the same as those prevailing at the time of the Prophet. Litigation through the judicial institutions and non litigation settlement called as alternative dispute resolution (ADR) is known by the term shulh in fiqh, while the path through arbitration is known in fiqh as tahkîmDOI: 10.15408/aiq.v5i1.2559
ASAS INDEMNITAS DAN KAFÂLAH DALAM ASURANSI SYARIAH
Saharuddin, Desmadi
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 1 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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
Karim, Hamzah Abdu
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 1 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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
Rizal, Sofyan
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 2 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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
Yusuf, Burhanuddin
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 2 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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
Muharam, Harjum;
Kurnia, Hasna Penta
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 2 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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
Nada, Shofaun
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 2 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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
Rahman, Muhammad Fudhail
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 5 No. 2 (2013)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
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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