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MUQTASID
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Articles 169 Documents
Rethinking Ajaran Zakat Rahman, Taufikur
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.v2i1.153-178

Abstract

Salah satu kajian yang cukup diminati oleh umat sampai saat ini adalah kajian tentang zakat. Banyak buku, penelitian, media massa, dialog, diskusi, workshop dan seminar yang telah membahas tema tentang seputar ajaran zakat. Tema zakat ini menarik untuk dibahas karena zakat merupakan bentuk ibadah yang tidak hanya sekedar bersifat individual/personal, melainkan juga bercorak kemasyarakatan. Artinya, di dalam ajaran zakat, pandangan dan komitmen sosialnya cukup jelas, bahkan dari titik kepentingan yang menyentuh hajat orang banyak, yaitu pemenuhan kebutuhan ekonomi. Ajaran zakat juga menyentuh langsung dengan realitas kehidupan manusia yang nyata atau realitas sosial yang terus berkembang dan berubah dari waktu ke waktu. Sehingga, zakat sering disebut juga dengan ibadah maliyah ijtima’iyah, yaitu ibadah kebendaan yang bertujuan kemasyarakatan.
Efisiensi Produktifitas Wakaf Tunai (Wakaf Uang) dalam Pemberdayaan Ekonomi di Indonesia Saadati, Nila
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.v7i1.73-91

Abstract

This article aims to analyze the waqf if it is managed productively. Commonly, the existence of waqf in Indonesia is used for the mosque, school, farm, and orphanages. Thus, the existence of cash waqf is productive if it can be a solution for the community to improve the economy of the people as a form of solidarity that becomes an instrument contributed to the welfare of society
Analisis Aplikasi Akad Tabarru’ dalam Asuransi Syariah: Studi Kasus pada AJB Bumiputera 1912 Syariah Cabang Kudus Hakim, M. Arif
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.v3i2.231-249

Abstract

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru’ in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru’ in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra’) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru’ (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru’ at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru’ is all form akad done with benefaction purpose and help mutually, not for the commercial purpose
Aspek Insentif, Mekanisme Pengambilan Keputusan dan Koordinasi (Analisis Komparasi Sistem-Sistem Ekonomi) Irkhami, Nafis
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.v6i2.65-87

Abstract

This paper is intended as a general comparative study on the economic system of capitalism, socialism and Islamic economics. The comparative analysis is conducted by reviewing aspects of incentives, decision-making mechanism and coordination. Inter-systemic review in this paper shows that Islamic economic system is determined by the parameters of its own ethical system which shows originality and relativity. Unlike other systems, the ethical impulse that is based on the Islamic worldview is fully integrated with Islamic economic motives. Limited freedom assigned to the behavior of consumption and production, as well as the emphasis on the distribution of wealth cannot be separated from the purpose of goodness (world and the hereafter).Tulisan ini dimaksudkan sebagai studi komparasi general atas sistem ekonomikapitalisme, sosialisme (ekonomi komando) dan ekonomi Islam. Analisiskomparasi tersebut dilakukan dengan meninjau aspe-aspek insentif, mekanismepengambilan keputusan dan koordinasi. Tinjauan inter-sistemik dalam tulisanini menunjukkan bahwa sistem ekonomi Islam ditentukan berdasarkan parameter-parameter sistem etisnya sendiri, yang menunjukkan adanya orisinalitas dan relativitasnya. Tidak seperti sistem lain, impuls-impuls etik yang didasarkan pada worldview Islam tersebut sepenuhnya terintegrasi dengan motif-motif ekonomi Islam. Kebebasan terbatas yang ditetapkan untuk perilaku konsumsi dan produksi, serta penekanan pada distribusi kekayaan tidak dapat dipisahkan dari tujuan kemaslahatan (dunia maupun akhirat).
Pendekatan Tafsir Produk Perbankan Syariah Mujib, Abdul
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.v6i1.41-57

Abstract

As a financial intermediary institution, Islamic banks offer several productsin the form of funding, financing, and other services. The product as regulatedin Law No. 21 of 2008 concerning Islamic Bank. Products, as mentioned above, refer to the results of the Fatwa issued by National Shariah Council of MUI. Fatwa is commonly used in the implementation of funding and financing namely DSN-MUI No. 1/DSNMUI/IV/2000 about Giro, DSN-MUI No. 2/DSN-MUI/IV/2000 about Saving, DSN-MUI No. 3/DSN-MUI/IV/2000 about Deposit, dan DSN-MUI No. 7/DSN-MUI/IV/2000 about Mudharabah Financing.Produk perbankan syari’ah sebagaimana yang tersebut di atas diatur dalamUU No 21 Tahun 2008 merupakan penjabaran dari konsep dasar syari’atIslam yang dilakukan oleh Dewan Syari’ah Nasional (DSN) MUI melaluifatwanya, baik yang merujuk langsung kepada al-Qur’an dan hadis maupunpada literatur hukum Islam (fiqh). Secara spesifik tulisan ini bertujuan untuk memberikan gambaran terkait dengan penetapan produk perbankan syari’ah di Indonesia. Selanjutnya mendiskripsikan karakteristik dari pola tafsir dalam pembangunan produk perbankan syari’ah. Tafsir yang telah dilakukan oleh lembaga-lembaga keuangan atas Fatwa DSN-MUI selama ini adalah mengacu pada dua pola besar yaitu; Akomodatif dan Asimilatif. Agar produk syariah tidak identik dengan produk-produk perbankan konvensional, maka tafsir yang dilakukan pada tingkat pertama harus merujuk langsung kepada sumber ajaran Islam dan kenyataan perkembangan bisnis keuangan dan perbankan.
Pengaruh Kemampuan Kerja dan Semangat Kerja Terhadap Kinerja Karyawan Melalui Kepuasan Kerja (Studi Kasus Bank Syariah Mandiri Kantor Cabang Kendal) Pratama, Abdul Aziz Nugraha; Wardani, Aprina
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.v8i2.119-129

Abstract

The purpose of this study was to determine the level of work skill, work spirit, work satisfaction, and employee performance in Syariah Mandiri Bank, Branch of Kendal; and to know the influence of work skill, work spirit, and work satisfaction on employee performance in Syariah Mandiri Bank, Kendal Branch Office. Methods of data collection used in this study was questionnaires distributed to employees of Bank of Syariah Mandiri, Kendal Branch Office. Samples taken in this research were 40 respondents with saturated sampling technique. The data were analyzed using SPSS version 22. This analysis includes reliability test, validity test, statistical test through T-test, F-test, and coefficient of determination (R ), classical assumption test, and path analysis. Ttest results showed that the partial work ability didn’t influence and was not significant on employee performance, while work morale and job satisfaction partially have a positive and significant impact on employee performance. Result of Ftest showed that work skill, work spirit, and job satisfaction simultaneously have a significant effect on employee performance of 50,9%; the remaining 49,1% was influenced by other variables outside of this model.Tujuan penelitian ini untuk mengetahui tingkat kemampuan kerja, semangat kerja, kepuasan kerja, dan kinerja karyawan di Bank Syariah Mandiri Kantor Cabang Kendal; serta untuk mengetahui pengaruh kemampuan kerja, semangat kerja, dankepuasan kerja terhadap kinerja karyawan di Bank Syariah Mandiri Kantor Cabang Kendal. Metode pengumpulan data dilakukan melalui kuesioner yang disebarkan kepada karyawan Bank Syariah Mandiri Kantor Cabang Kendal. Sampel yang diambil sebanyak 40 responden dengan teknik sampling jenuh. Data yang diperoleh kemudian diolah dengan menggunakan alat bantu SPSS versi 22. Analisis ini meliputi uji reliabilitas, uji validitas, uji statistik melalui uji Ttest , Ftest , serta koefisien determinasi (R), uji asumsi klasik, dan analisis jalur. Hasil uji T menunjukkan bahwa kemampuan kerja secara parsial tidak berpengaruh dan tidak signifikan terhadap kinerja karyawan, sedangkan semangat kerja dan kepuasan kerja secara parsial berpengaruh positif dan signifikan terhadap kinerja karyawan. Hasil uji Ftest menunjukkan bahwa kemampuan kerja, semangat kerja, dan kepuasan kerja secara simultan berpengaruh signifikan terhadap kinerja karyawan dengan pengaruh sebesar 50,9%; sisanya 49,1% dipengaruhi oleh variabel lain di luar model ini.
Faktor-Faktor yang Mempengaruhi Kualitas Pembiayaan: Persepsi Pegawai BNI Syariah Semarang Arista, Ika; Jayanto, Prabowo Yudo
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.v9i2.134-149

Abstract

AbstractThe purpose of this research is to analyze the influence of financing fund adequacy, risk, credit assessment of 5C, accountability, internal control systems, and accounting information on financing quality at BNI Syariah Semarang. The population of this study is all employees of BNI Syariah Semarang which consist of 120 employees. Sampling technique used in this study is random sampling method. It uses the slovin’s formula and obtains 55 respondents. The technique of data analysis used in this study is Structural Equation Modelling-Partial Least Square (SEM-PLS) with analysis tool of SmartPLS 3.0. The results of this research showed that the adequacy of financing funds, credit assessment of 5C, accountability, and accounting information have a significant and positive impact on financing quality. While risk and internal control systems don’t have significant impact on financing quality AbstrakTujuan penelitian ini adalah untuk menganalisis pengaruh kecukupan dana pembiayaan, risiko, penilaian 5C Kredit, akuntabilitas, sistem pengendalian internal, dan informasi akuntansi terhadap kualitas pembiayaan pada BNI Syariah Semarang. Populasi penelitian ini adalah seluruh pegawai BNI Syariah Semarang yaitu sebanyak 120 pegawai. Metode pengambilan sampel yang digunakan adalah metode random sampling. Dengan menggunakan rumus slovin diperoleh sebanyak 55 responden. Teknik analisis menggunakan Structural Equation Modelling-Partial Least Square (SEM-PLS) dengan alat analisis SmartPLS 3.0. Hasil penelitian menyatakan bahwa kecukupan dana pembiayaan, penilaian 5C kredit, akuntabilitas, dan informasi akuntansi berpengaruh positif dan signifikan terhadap kualitas pembiayaan. Sedangkan risiko dan sistem pengendalian internal tidak berpengaruh signifikan terhadap kualitas pembiayaan  
Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga Annisa, Arna Asna
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.v4i2.239-266

Abstract

This thesis is entitled Selling Price Regulation of Murabahah Product Case Study: BMT RAMA Salatiga. The objectives of this research are to describe 1) the execution of murabahah transaction at BMT RAMA Salatiga, 2) the method in deciding and applying the selling price of murabahah product, and 3) the policy of BMT on conducting its business based on Islamic principles. This research applied descriptive qualitative design and was conducted based on normative-juridical approach. The subjects of the research were the manager of BMT RAMA Salatiga and the costumers of BMT RAMA who were involved in murabahah transactions. The results show that the execution of murabahah transaction has not been applied well. Basically, wakalah aqad should place the costumer as the representative of BMT to get goods before the aqad is signed. It is applied in order to prevent gharar and to draw a distinction between syariah and conventional banking. In regulating its funding product BMT RAMA considers some components such as risks of fund, cost of fund, operational cost, annual profit target, annual funding target, and competition rates. However, the cost of fund component has the consequence of interests which need to be considered in determining murabahah margin. This consequence is absolutely inapropriate with MUI instruction no. 1 year 2004, which forbids interests because of its belonging to riba. Unfortunately, the DPS assistance is still insufficient on this matter.
Pesantren Agility in Community Economic Development Fauroni, R Lukman; Quraisy, Mujahid
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.v10i2.155-168

Abstract

Abstract This study aims to elaborate on the pesantren agility viewed from the aspects of sources and its implementation in the community economic development. The research uses the case study method. The research finds that pesantren agility is sourced from the traditional intellectual pesantren, the implemented integration of Islamic teaching and values in social-economic fields. Pesantren agility is the epicenter for the strength of socioeconomic functions, particularly the development of the community’s economy through the transformation and expansion of pesantren institutional services. The pesantren agility has been applied in community economic development according to the economic needs.AbstrakKajian ini bertujuan mengelaborasi agilitas pesantren dari aspek sumber dan implementasinya dalam pengembangan ekonomi komunitas. Metode penelitian menggunakan studi kasus. Ditemukan agilitas pesantren bersumber dari modal intelektual tradisi pesantren dan implementasi integrasi ajaran agama Islam dalam bidang sosial ekonomi. Agilitas pesantren merupakan episentrum bagi kekuatan fungsi sosial ekonomi khususnya dalam pengembangan ekonomi komunitas melalui transformasi perluasan fungsi kelembagaan pesantren. Agilitas pesantren diaplikasikan dalam pemberdayaan ekonomi komunitas sesuai kebutuhan dasar ekonominya.
Distribusi dalam Sistem Ekonomi Islam Madnasir, Madnasir
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.v2i1.57-71

Abstract

Distribution of economic activity in a government are very important. This is because the distribution itself became an objective of fiscal policy in a government with a form of taxation (taxes are both individual and corporate taxes). When talking about economic activity in the distribution, of course, will talk about the concept of “economy” that “offered” by the Islamic. Looking at how Islam introduced the concept of equitable distribution of wealth of the country through the distribution, which is certainly not independent of the state revenue the teachings of Islamic Shariah, such as waris, sadaqah, zakat and waqf.

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