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Articles 169 Documents
Analisis Implementasi Pembiayaan Musyarakah Mutanaqishah Pada Perbankan Syariah di Indonesia Basyariah, Nuhbatul
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.v9i2.120-133

Abstract

AbstractThis article aims to analyze the implementation of musyarakah mutanaqishah financing on Islamic banking in Indonesia, especially in facing the existence of three issues available in contract implementation (sharia issues, legal issues, and operational issues). The research method used in this research is descriptive qualitative method with an inductive analysis approach. The method of analyzing the date is based on Law of Republic of Indonesia Number 21/2008 concerningSharia Banking, DSN-MUI, Fatwa Number 73/2008 concerning Musyarakah Mutanaqishah, and AAOIFI Sharia Standards. The research findings showed that the implementation of MMQ on some points is not based on sharia law. In terms of legal and operational analysis based on BI rules on banking laws, there are indications of a discrepancy between the basic rules and its implementation in the field. The operational assignment of all payment obligations for fees deviates from AAOIFI standards and DSN fatwas, and there are no specific accounting standards related to MMQ.AbstrakArtikel ini bertujuan menganalisis implementasi pembiayaan musyarakah mutanaqishah pada perbankan syariah di Indonesia, terutama dalam menanggapi keberadaan tiga isu yang melekat pada implementasi akad (isu syariah, isu legal, dan isu operasional). Metode penelitian yang digunakan adalah metode kualitatif deskriptif dengan pendekatan analisis induktif. Analisis dilaksanakan berdasarkan Undang-Undang Republik Indonesia Nomor 21 Tahun 2008 Tentang Perbankan Syariah, Fatwa DSN-MUI Nomor 73/2008 tentang Musyarakah Mutanaqishah, dan Standar Syariah AAOIFI. Hasil analisis menunjukkan bahwa implementasi MMQ pada beberapa point belum sesuai syariah. Dari sisi analisis legal dan operasional berdasarkan aturan BI tentang undang-undang perbankan terindikasi adanya ketidaksesuaian antara dasar aturan dengan implementasi di lapangan.Terkait operasional adanya pelimpahan semua kewajiban pembayaran atas biaya yang muncul menyimpang dari standar AAOIFI dan fatwa DSN dan belum ada standar akuntansi khusus terkait MMQ.
PERLINDUNGAN ISLAM TERHADAP BURUH bin Lahuri, Setiawan
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.v4i2.223-238

Abstract

In Islam, the determination of wages is not only based on the quality of labor as the physical, mental, work experience, professionalism and so on. But there are other considerations, they are aspects of personal and family needs. Thus, there are important implications of the theory above, the Islamic theory of wage determination is in contrast to the capitalist economic system, and there are elements in common with the socialist economic system. Mechanisms of wage determination in Islam does not depend on the institutional market. Islam is a religion that upholds universal human values​​. Islam is very concerned with the rights and obligations of all people, including the workers and laborers. Teaching that can be seen from several hadith clearly provides real assurance that the workers have to work in a comfortable state, far from the threat of layoffs, delays in awarding salary, job demands beyond the limits of human ability and so on. Thus, Islam gives an overview of the importance of laborers and workers in human life. Islam gives us the importance of laborers and workers in human life. Islam thus providing strong values ​​as a form of protection to the workers and employees.
Determinants of Islamic Banking Performance: An Empirical Study in Indonesia Rahman, Taufikur; Santoso, Aprih
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.v10i2.139-154

Abstract

 AbstractThis study aimed to examine the effects of Capital Adequacy Ratio (CAR) and Good Corporate Governance (GCG) on Return On Asset (ROA) with Non-Performing Financing (NPF) as a moderating variable. The sample used in this study is 14 Islamic commercial banks listed on Bank Indonesia from 2014-2018. The sampling technique used in this research is purposive sampling with the type of data used in this research is panel data. To analyze the data, the researchers use a statistical test that includes classical assumption test, t-test, F-test, the coefficient of determination (R2), and Moderated Regression Analysis (MRA). The process of data analysis is using a means of IBM SPSS Statistics 23. The results of this study show that CAR has a negative and significant effect on ROA, and GCG does not have a substantial impact on ROA. This study indicates that NPF is unable to moderate the effect of CAR on ROA. However, NPF is significantly able to moderate the effect of GCG on ROAAbstrakPenelitian ini bertujuan untuk menguji pengaruh rasio kecukupan modal (CAR) dan tata kelola perusahaan yang baik (GCG) terhadap pengembalian asset (ROA) dengan pembiayaan bermasalah (NPF) sebagai variabel moderasi. Sampel yang digunakan dalam penelitian ini adalah 14 bank syariah yang terdaftar di Bank Indonesia periode 2014-2018. Teknik pengambilan sampel dalam penelitian ini adalah teknik purposive sampling dengan data yang digunakan adalah data panel. Teknik analisis yang digunakan adalah uji statistik meliputi uji asumsi klasik, uji t test, F-test, koefisien determinasi (R2), dan Moderated Regression Analysis (MRA). Pengolahan data dalam penelitian ini menggunakan alat bantu IBM SPSS Statistics 23. Hasil penelitian ini menunjukkan bahwa CAR berpengaruh negatif dan signifikan terhadap ROA dan GCG tidak berpengaruh secara signifikan terhadap ROA. Penelitian ini juga menunjukkan bahwa NPF tidak mampu memoderasi pengaruh CAR terhadap ROA. Namun, NPF secara signifikan mampu memoderasi pengaruh GCG terhadap ROA.
Hak Kekayaan Intelektual (HaKI) dalam Perspektif Hukum Islam Quraisy, Mujahid
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.v2i1.39-56

Abstract

This research started from the need for appreciation to intellectuality, creativity and ideas of every individual, which is known as the Intellectual Property Rights (IPR). The problem arises when IPR was crashed with the mission of learning and empowerment for the benefit of the people. The result of this study was that intellectual property could become public goods if used as a means or tool to achieve the objectives of production, distribution and consumption in order to improve their quality. However, it is done without losing the identity of the inventor and the responsibility of government to procure. Intellectual property as private property becomes syubhat for others in taking it if it is associated with personal goals. In other words, the Intellectual Property becomes halal if it comes from the source of the original owner if it is given as a gift. It is becomes unlawful if it used in according with the goal for both commercial production and distribution levels
Sistem Pengukuran Kinerja dan Kinerja Pembiayaan bagi Hasil Perbankan Syariah di Indonesia Trishananto, Yudha
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v7i2.95-116

Abstract

This study aims to examine the role of Management Control System (MCS),attitude to risk and organizational learning to improve the performance ofprofit and loss of sharing defrayal. MCS concept used in this study is diagnostic, interactive and dynamic performance measurement system (PMS). Performance of defrayal of profit and revenue sharing is operationalized into the quantity and quality of defrayal. This study uses a survey by branches of Islamic banks in Indonesia. A total of 99 questionnaires were returned. It is proven that interactive use of PMS has a positive effect on the attitude towards risk and learning organization. This study shows that the resource-based view further elucidate the role of the PMS improves performance compared with agency theory. Practically, this study demonstrates the role of PMS as a system to control the behavior of managers in improving the performance of Islamic banks profit and loss of sharing defrayal
Pengaruh Komitmen Organisasional dan Etika Kerja Islami terhadap Performansi Kerja Para Staf Pengajar pada Perguruan Tinggi di Surakarta dengan Basis Institusi sebagai Variabel Moderator Wahyudi, Amin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v3i1.73-89

Abstract

The purposes of this study are: (1) examine the impact of organizationalcommitment to job performance of faculty member in Surakarta; (2) examine the impact of Islamic work ethic to job performance; and (3) examine the moderation role of institutional-base on the impact of Islamic work ethic to job performance. The results show that organizational commitment and Islamic work ethic had significance effect to job performance, but institutional-based had no moderating role in the effect of Islamic work ethic to job performance
DIMENSI WAKTU DALAM ANALISIS TIME VALUE OF MONEY DAN ECONOMIC VALUE OF TIME Yudiana, Fetria Eka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v4i1.131-143

Abstract

The development of the Islamic finance theory today has become a hot issuediscussed, such as polemic of the concept of time value of money. This concept cored that money today is more valuable than the same amount of money in the future, so that the grounding or assumptions used by this theory is al ghunmu bila ghurmin (get results regardless of risk) and al kharaj bila dhaman (get results without issuing a charge), and it’s contrary to the principles of Islam. Then The positive time preference concept was replaced with the concept of economic value of time, this concept cored that time has economic value, not money has a time value
Implementasi Akad Produk Tabungan Rencana di PT. Bank Syariah Mega Indonesia Gallery Cianjur Wanto, Muhammad
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v5i1.75-97

Abstract

Mudharabah savings is one product collector of funds applied to PT. BankSyariah Mega Indonesia Gallery Cianjur which one is the product SavingsPlan. On the product Savings Plan in PT. Bank Syariah Mega Indonesia GalleryCianjur use mudharabah product and in doing transactions through bookSavings Savings Plan Home / parent who uses contract wadiah. That mechanism Savings Plan held by PT. Bank Syariah Mega IndonesiaGallery Cianjur is (1) Fill out the application form Individual customers /Institutions; (2) Fill out the contract form wadiah (primary Savings); (3) Fillout the deposit slip early; (4) Fill out the form mudharabah (Savings Plan); (5)Customer Savings Plan (mudharabah) regularly to conduct the transactionto go through Main Savings account book / parent use wadiah agreement;(6) Facilities Savings Plan that is certified as proof of ownership savingsand checking account books as a book report. Legal basis in the productSavings Plan (mudharabah) No DSN. 02/DSN­MUI/IV/2000 on Saving.In perspective muamalah two covenants in the transaction was prohibited.In practice the contract products Savings Plan (mudharabah) it looks likethere are two covenants in the transaction, the results of that research in thecontract mechanism problems Savings Plan product in PT. Bank SyariahMega Indonesia Gallery Cianjur is procedural only from banks and are inaccordance with the fatwa of DSN No.02 and there are no violations in fikihmuamalah.
The Effect of Inflation on The Currency Exchange Rate Seen in The Islamic Finance Purnomo, Agus
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i1.42-53

Abstract

The exchange rate is defined as the currency that can be exchanged as one unit of another currency, or the value of currency with another currency. When thecirculating money in community is too much, then inflation may happen. Inflation is the increasing of goods price continuously. This does not mean that the prices of various goods increase at the same percentage. The increase which happened only once is not called inflation, although rising prices reach considerable percentage. The aim of the research is to determine the effect of inflation on the value of rupiah in Indonesia in the Islamic finance. This research used quantitative and qualitative methods. In quantitative method, the writer used data analysis of Indonesia monetary policy. The data was taken from Bank of Indonesia, meanwhile for qualitative method, the writer collected the data through interview with employee of Bank of Indonesia. From inflation data analysis in 2013, it is known that inflation was 5.31% in February, 6.7% in June 2014, 7.26% in 2015, and 3.60% in 2016. The result of this research showed that the influence of inflation toward currency exchange rate in the perspective of Islamic finance occured because of export decline, the slow growth of economy global, the decline of world crude oil prices, coal price, palm oil price, and rubber price. As a result, those factors caused inflation to the value of the rupiah against US dollar.Nilai tukar didefinisikan sebagai mata uang yang dapat ditukarkan sebagai satu unit mata uang lain, atau merupakan harga dari suatu mata uang dengan mata uang lain. Peredaran uang di masyarakat apabila terlalu banyak akan menyebabkan inflasi. Inflasi adalah proses kenaikan harga-harga umum barang-barang secara terus menerus. Ini tidak berarti bahwa harga-harga berbagai macam barang itu naik dengan persentase yang sama. Kenaikan yang terjadi hanya sekali saja bukanlah merupakan inflasi, meskipun kenaikan harga tersebut terjadi dengan persentase yang cukup besar. Tujuan dari penelitian ini untuk mengetahui pengaruh inflasi terhadap nilai tukar mata uang rupiah di Indonesia dalam perspektif keuangan syariah. Penelitian ini menggunakan metode penelitian kuantitatif dan kualitatif. Metode kuantitatif menggunakan analisis data kebijakan moneter keuangan Indonesia dengan menggunakan data dari Bank Indonesia untuk mengetahui kinerja perekonomian dalam keuangan syariah, sedangkan metode penelitian kualitatif menggunakan analisis wawancara dari karyawan Bank Indonesia. Data tahun 2013 menunjukkan bahwa inflasi mengalami kenaikan, pada bulan Februari menunjukan nilai Inflasi 5,31% sampai pada periode tahun 2014 bulan Juni menunjukan nilai inflasi 6,7%. Pada tahun 2015 mengalami Inflasi sebesar 7,26% dan tahun 2016 mengalami Inflasi sebesar 3,60%. Hasil dari penelitian ini menunjukan, pengaruh inflasi terhadap nilai tukar rupiah dalam perspektif keuangan syariah terjadi karena menurunnya ekspor ke luar negeri akibat lambatnya pertumbuhan perekonomian dunia, turunya harga minyak mentah dunia, turunnya harga batubara, serta turunya harga minyak sawit dan harga karet. Faktor-faktor tersebut yang menyebabkan terjadinya inflasi terhadap nilai tukar mata uang rupiah terhadap dolar Amerika.  
The Influence of Transformational Leadership, Work Environment, and Religiosity toward Employee Loyalty of IAIN Salatiga Fitriyani, Endah Nur
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v9i1.29-39

Abstract

AbstractThis study aims at determining the effect of transformational leadership, work environment and religiosity toward employee loyalty. The type of research used is survey research with quantitative approach. Population and sample in this research are civil servant employees of IAIN Salatiga amounting to 54 people. Methods of data collection in this study using questionnaires. The results from multiple regression analysis obtained results for transformational leadership variable does not have a significant impact on employee loyalty; work environment variable has no significant effect on employee loyalty; religiosity variable has a positive influence on employee loyalty; and transformational leadership, work environment, and religiosity simultaneously have a significant effect on employee loyalty. The value of Adjusted R Square is 0.922 which means that 92.2% variance of loyalty can be explained by the variance of the three independent variables: transformational leadership, work environment, and religiosity.AbstrakPenelitian ini bertujuan untuk mengetahui pengaruh kepemimpinan transformasional, lingkungan kerja  dan religiusitas terhadap loyalitas karyawan. Jenis penelitian yang digunakan adalah penelitian survey dengan pendekatan kuantitatif. Populasi dan sampel dalam penelitian ini adalah karyawan PNS IAIN Salatiga yang berjumlah 54 orang. Metode pengumpulan data dalam penelitian ini menggunakan kuesioner. Dari hasil analisis regresi berganda diperoleh hasil untuk variabel kepemimpinan transformasional tidak berpengauh secara signifikan terhadap loyalitas karyawan; variabel lingkungan kerja tidak berpengaruh secara signifikan terhadap loyalitas karyawan; variabel religiusitas memiliki pengaruh positif terhadap loyalitas karyawan; dan kepemimpinan transformasional, lingkungan kerja dan religiusitas secara simultan berpengaruh signifikan terhadap loyalitas karyawan. Besarnya nilai Adjusted R Square adalah 0,922 yang berarti bahwa 92,2% varians loyalitas dapat dijelaskan varians dari ketiga variabel independen: kepemimpinan transformasional, lingkungan kerja, dan religiusitas

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