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INDONESIA
MUQTASID
Published by Institut Agama Islam Negeri Salatiga
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Core Subject : Economy,
Economics, Econometrics & Finance
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Articles 169 Documents
 12   13   14   15   16 
Manajemen Strategi Koperasi Jasa Keuangan Mikro Syariah (KJKS) Studi Kasus di Baitul Mal Wat tamwil (BMT) Syariah Sejahtera Boyolali Harmoyo, Dwi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v3i2.299-317

Abstract

The purposes pf the research are: (1) to analyze the external factor andinternal factor of KJKS BMT Syariah Sejahtera. (2) To analyze the strengthen,weaknesses, opportunity, and threat of KJKS BMT Syariah Sejahtera. (3)To formulate the alternative strategic management of KJKS BMT SyariahSejahtera. The research uses descriptive qualitative method approach aboutstrategy management of KJKS BMT Syariah Sejahtera with businessenvironment analysis approach that consists of external environment andinternal environtment. The external environment consists of generalenvirontment such as: politic, economic, social, and technology (PEST) andalso industrial environment. Internal environmen tcosists of oganization aspek, moneter, weaknesses, opportunity and threat (SWOT Analysis) are formulated in alternatif strategic mangement of KJKS BMT Syariah Sejahtera. The result of the research show that general environment of KJKS BMT Syariah Sejahtera shows a good enaugh prospect. Industrial environment shpws that there isi any high competition. Internal environment shows that KJKS BMT Syariah Sejahtera has three primer competitions. Based on the SWOT Analysis, shows that in SWOT – 4K quadrant, the position of KJKS BMT Syariah Sejahtera in the I quadrant in 0,09 position for strengthen-weaknesses and 2,40 for opprtunity-threat. The position shows that the alternative strategic mangement that can be done by KJKS BMT Syariah Sejahtera is the growth strategy in corporate strategy and focus strategy in business strategy. The result of the research is aspcted useful for KJKS BMT Syariah Sejahtera and others micro syariah finance, and also for the writer
Melacak Teori Rasionalitas Ekonomi berbasis Islamic Ethics Isfandiar, Ali Amin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v6i2.23-41

Abstract

This paper discusses the rationality from the angle of language and itscoverage, rationality from the standpoint of immanence and transcendence.The theme of the study are about the relationship between ethics andrationality, rationality in economics including the position of rationality inIslamic economy, the role of the outsider (external factors) of rationality (ineconomy in taking decisions). The approach used is a philosophicalexploratory, i.e. tracing the linguistic philosophical side which started from the rational root of the word itself is up to on the word transformation in economics, so that gave rise to some form of the word rational that was so extreme and radical as the pretext of self to behave as free-free economy. The presence of characteristic trandensi in Islamic economy which is not owned by the conventional economy, namely the risk of uncertainty as to the resigned expression tawwakul and unrestricted time jangkauang (time horizon) from the life of the world to the life of the hereafter.Tulisan ini membahas rasionalitas dari sudut bahasa dan cakupannya, rasionalitas dari sudut pandang imanensi dan transendensi. Tema kajianadalah mengenai hubungan antara etika dan rasionalitas, rasionalitas dalambidang ekonomi termasuk di dalamnya posisi rasionalitas dalam ekonomiIslam, peranan outsider (faktor eksternal) terhadap proses rasionalitas (kedalam diri pelaku ekonomi dalam mengambil keputusan). Pendekatan yangdigunakan adalah filosofis-eksploratif, yakni menelusuri sisi filosofiskebahasaan yang dimulai dari akar kata rasional itu sendiri hingga sampaipada proses transformasi kata tersebut dalam bidang ekonomi, sehinggamemunculkan bentukan kata rasional yang begitu ekstrim dan radikal sebagai dalih diri untuk berperilaku sebebas-bebasnya dalam bidang ekonomi. Adanya karakteristik trandensi dalam ekonomi Islam yang tidak dimiliki oleh ekonomi konvensional, yaitu pasrah kepada resiko ketidakpastian sebagai ekspresi tawakal dan jangkauang waktu yang tak terbatas (time horizon) dari kehidupan dunia sampai kehidupan akhirat.
Memahami Teks dan Konteks al-Qur’an tentang Komunikasi Bisnis Yudiana, Fetria Eka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v6i1.1-24

Abstract

The purpose of this article is to construct the principles of businesscommunication which is based the Qur ’an. The author uses deductiveapproach to analyze this topic. The steps are: (1) looking for some verseswhich are relevant, (2) analyzing the text, (3) analyzing the present context,and (4) making some conclusions. Specifically, the Qur’an is not talkingabout the problem of business communication but there are some versesthat are explaining the principles of communication as qaulan balighan,qaulan maisuran, qaulan kariman, qaulan ma’rufan, qaulan layyinan, qaulansaddidan, and qaul al-Zur.Tujuan penulisan artikel ini adalah untuk mengkonstruksi prinsip-prinsipkomunikasi bisnis berdasarkan al-Qur ’an sehingga dapat disimpulkanbeberapa prinsip yang menjadi landasan dalam melakukan komunikasi bisnis.Analisis yang digunakan dalam penulisan artikel ini adalah dengan menggunakan pendekatan deduktif analisis tematik, dengan sistematika sebagai berikut penulis mencari beberapa ayat yang secara teks relevan, kemudian dianalisis secara teks dan konteks ayat, analisis konteks kekinian dan analisis praksis serta simpulan. Al-Qur’an secara spesifik tidak membicarakan masalah komunikasi bisnis, namun, jika diteliti (ada) banyak ayat yang memberikan gambaran umum prinsip-prinsip komunikasi. Dalam hal ini, penulis akan merujuk kepada tema-tema khusus yang diasumsikan sebagai penjelasan dari prinsip-prinsip komunikasi tersebut. Antara lain, term qaulan balighan, qaulan maisuran, qaulan kariman, qaulan ma’rufan, qaulan layyinan, qaulan sadidan, juga termasuk qaul al-zur, dan lain-lain. Berdasarkan analisis praksis yang sudah dilakukan maka prinsip-prinsip komunikasi bisnis yang dapat diturunkan dari ayat-ayat al Quran adalah sebagai berikut: conciseness, completeness, concreteness, clarity, consideration, courtesy, correctness.
Menilik Urgensi Penerapan Pembiayaan Akad Salam pada Bidang Pertanian di Lembaga Keuangan Syariah di Indonesia Widiana, Widiana; Annisa, Arna Asna
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i2.88-101

Abstract

The financing of salam covenant is one of sharia banking products that can be used in the field of agriculture, but this has not been used in sharia financial institutions in Indonesia. Covenant of salam has strategic potential for agricultural development. This paper aims to illustrate the potential of using salam covenant in financing which is conducted by customer and how the challenges of implementation of salam  covenant in Islamic financial institutions. This is a descriptive qualitative research. In Indonesia, both Islamic banking and Baitul Maal Wattamwil have not applied this contract, related to some risks from salam financing. Sharia financial institutions needs a strategy in order to feel the benefits of providing salam. This article describes the practice of financing system of profitable covenant agreement for the sharia financial institution and the community. The research finding showed that by optimizing salam covenant financing, it can give positive impact to farmers that is in capital aspect to develop agricultural product. Pembiayaan akad salam merupakan salah satu produk perbankan syariah yang dapat digunakan dalam bidang pertanian, namun hal ini belum digunakan dalamLembaga Keuangan Syariah (LKS) di Indonesia. Akad salam memiliki potensistrategis terhadap pengembangan bidang pertanian. Penelitian ini bertujuan untuk menggambarkan potensi penggunaan akad salam dalam pembiayaan yang dilakukan oleh nasabah dan bagaimana tantangan atas penerapan pembiayaan akad salam di lembaga keuangan syariah. Tulisan ini berpijak pada penelitian kualitatif dengan metode deskriptif analisis dari berbagai literatur. Di Indonesia, baik perbankan syariah maupun Baitul Maal Wattamwil (BMT) belum menerapkan akad ini, terkait beberapa risiko dari pembiayaan salam. Lembaga keuangan syariah membutuhkan strategi agar dapat merasakan keuntungan dari penyediaan produk salam. Dalam tulisan ini dijelaskan praktik sistem pembiayaan akad salam yang menguntungkan bagi lembaga keuangan syariah dan masyarakat. Hasil yang diperoleh menunjukkan bahwa dengan optimalisasi pembiayaan akad salam dapat memberikan dampak positif terhadap para petani yaitu pada aspek permodalan untuk mengembangkan produk pertanian 
The Analysis of Amil Zakat Institution/Lembaga Amil Zakat (LAZ) Accountability toward Public Satisfaction and Trust Ahmad, Zulfikar Ali; Rusdianto, Rusdianto
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v9i2.109-119

Abstract

Abstract Indonesia has a high potency of zakat fund but the result of its collection shows the great gap compared with the potency. The current issue of Amil Zakat Institution/Lembaga Amil Zakat (LAZ) is about their public trust and public satisfaction. The aim of the research is to examine an impact of LAZ’s accountability on public satisfaction and public trust among muzakki in Indonesia. This research collects data using questionnaire from muzakki who paid their zakat in LAZ’s. This study uses SEM-PLS to analyze data. The result shows (1) significant influence on the LAZ’s accountability to public satisfaction, (2) public satisfaction on LAZ has a significant influence to public trust.Abstrak                                                                             Indonesia memiliki potensi dana zakat yang tinggi, namun hasil dari pengumpulannya menunjukkan ada perbedaan yang besar dibandingkan dengan potensinya. Permasalahan yang dihadapi oleh lembaga amil zakat (LAZ) sekarang adalah terkait dengan kepercayaan publik dan kepuasan publik. Tujuan penelitian ini adalah menguji pengaruh akuntabilitas LAZ terhadap kepuasan publik dan kepercayaan publik. Penelitian ini mengumpulkan data menggunakan kuisioner dari  muzakki yang membayar zakat di LAZ. Penelitian ini menganalisa data yang terkumpul menggunakan SEM-PLS. Hasil penelitian menunjukkan (1) adanya pengaruh yang signifikan dari akuntabilitas lembaga amil zakat terhadap kepuasan publik, (2) kepuasan publik atas lembaga amil zakat mempunyai pengaruh signifikan atas kepercayaan publik.
Good Corporate Governance dan Manajemen Keuangan dalam Ekonomi Syariah Manunggal, Syafrudin Arif marah
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v4i2.199-222

Abstract

The Good Corporate Governance (GCG) facing challenges to Islamic banks nowadays not only in Indonesia but also in the entire world. GCG is necessary to the Islamic banks due to significance of the stakeholders trust towards Islamic banks its self. But in practice, the GCG could serve as an obligatory and formal instrument for delivering transparant public financial reports of the Islamic banks. In avoiding its shortage of application, Islamic finance management gives guide for encountering the formalistic condition of the GCG of the Islamic banks. For the GCG and the Islamic financial management both are very important, this paper discusses a likely convergence between both principle. Finally, the GCG has to be applied by guiding the Islamic financial management. The Islamic financial management is something to do with weather the religious normative assumptions and social economic ones.
The Islamicity of Sharia Rural Banks in Indonesia Pertiwi, Imanda Firmantyas Putri; Puspitosari, Indriyana; Wijayati, Fitri Laela
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2019): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v10i2.124-138

Abstract

AbstractThis paper is aimed to evaluate the Islamic Performance of Sharia Rural Banks (SRBs) in Indonesia by using the Islamicity Performance Index (IPI). The data are taken from SRBs from 2014 to 2016 (those include PF and Profit), as well the liquidation of SRBs in those years. The sample is taken by using a purposive sampling technique. Then, there are 82 SRBs samples and observing 246 pcs data. The data are obtained by evaluating their financial reports through the websites of Central Bank of Indonesia or Financial Services Authority (Otoritas Jasa Keuangan-OJK) as well as the SRBs websites. The data are analyzed by non-statistic quantitative and descriptive qualitative techniques. The results are gained from each indicator of their average Islamic Performance Index. The result shows that the Islamic Performance Index of Sharia Rural Banks is unsatisfied. Henceforth, this study has several limitations that may be observed in the next research. Moreover, this research excludes the welfare indicators of the director-employee and AAOIFI index.Penelitian ini bertujuan untuk menilai kinerja keislaman (Islamicity) Bank Perkreditan Rakyat Syariah (BPRS) di Indonesia. Penelitian ini menggunakan sampel BPRS di Indonesia dari tahun 2014 hingga 2016, dengan menggunakan teknik purposive sampling. Sampel akhir yang diperoleh adalah 82 SRB sehingga data yang diamati adalah 246 pcs data. Data diperoleh dengan mengakses laporan keuangan mereka melalui situs web Bank Sentral Indonesia atau Otoritas Jasa Keuangan (OJK) serta situs web masing-masing BPRS. Penelitian ini dianalisa dengan menggunakan teknik kuantitatif non-statistik dan deskriptif kualitatif. Hasil penelitian menemukan bahwa kinerja bank syariah berdasarkan Indeks kinerja keislaman adalah “tidak memuaskan”. Bagaimanapun, penelitian ini memiliki beberapa batasan yang dapat diperoleh melalui penelitian selanjutnya. Penelitian ini tidak termasuk indikator kesejahteraan direktur-karyawan dan indeks AAOIFI. 
Pengaruh Gaya Kepemimpinan, Motivasi Kerja dan Budaya Organisasi terhadap Kinerja Karyawan pada Bank Muamalat Indonesia Cabang Surakarta Marimin, Agus
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v2i1.23-37

Abstract

Human resource represent the key factor go to the success, along of human resource activator in operational company. The purpose if this research is to prove the influence of leadership style, work motivation, and organization culture toward employee performance of Bank Muamalat branch Indonesia Surakarta. The method used in this research is survey which using questioner for getting data. The respondents of this research are all of employee at Bank Muamalat branch Indonesia Surakarta. The data that get in this research is processed with program SPSS version 16.00. The test is done with linear regression model, t test, f test, R2 and Classic Assumption. Conclusion of this research is there is influence which significance of among leadership style, motivation, and organization culture toward employee performance of Bank Muamalat branch Indonesia Surakarta as individually.
Analisis Pemahaman, Produk, dan Tingkat Religiusitas terhadap Keputusan Mahasiswa IAIN Menjadi Nasabah Bank Syariah Cabang Salatiga Bawono, Anton; Oktaviani, Milatunnikmah Finisia Rahajeng
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v7i1.29-53

Abstract

The purpose of this research is to analyze the understanding, product, and level of religiosity towards students’ decision of being costumer of Islamic bank. This is a quantitative research. The object of this research is students of State Institute for Islamic Studies of Salatiga. The writer took 100 students as sample of this research. The method used to collect the data is questionnaire. The data is analyzed using test of reliability, validity, statistic and classical assumption. The research findings showed that the product of sharia bank has significant and positive influence. It occurred because the product offered by sharia bank is innovative. The variable of understanding about sharia bank and level of religiosity towards students’ decision of being costume of sharia bank has positive influence but insignificant
Analisis Pemikiran Umar bin Khattab Tentang Pengguguran Hak Mu’allaf sebagai Mustahiq Zakat Syaifudin, Muhammad
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v3i2.177-203

Abstract

In the reign of Khulafaurrasyidin, the fourth caliph no longer provide the right of mu’allaf to the beneficiary, relying on Umar who flatly refuse to give alms to the rights of mu’allaf in the reign of Abu Bakr, and his reign. In fact, since the time of the Prophet they continue to receive zakat. This is where Omar issued a statement of law, that the al-mu’allafah qulubuhum not get the zakat, which none of the companions who opposed it. So opinions of Umar is a statute (ijma’) of the Companions and considered abrogatedpart mu’allaf. This paper studies about The reason of Umar bin Khattab did not provide the right of zakat to the mu’allaf as mustahiq of zakat, and how contemporary scholars put Umar thoughts about abortion right of mu’allaf as mustahiq of zakat in fiqh science literatures. The results of this research are, First, Umar bin Khattab abort asnaf rights for “al-mu’allafah qulubuhum” as a recipient of Zakat is due to the existence of a ‘illat (the reasons behind the solutions and decisions) that the state of “weak faith”. Second, the science of fiqh repertory, contemporary scholars put the Umar thoughts as a basis of ijtihad with the provision if the spirit of the background (‘illat law) is still visible, then the provisions of law applicable

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