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INDONESIA
EQUILIBRIUM
Published by Sekolah Tinggi Agama Islam Negeri Kudus
ISSN : 23550228     EISSN : 25028316     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Equilibrium journal issued by the Department of Islamic Economics, Pascasarjana, STAIN Kudus, periodically (every 6 months) in June and December with the aim of disseminating information about the study of knowledge islamic economics in the form of conceptual studies and research results.
Arjuna Subject : -
Articles 446 Documents
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MOTIVASI MAHASISWA MENJADI WIRAUSAHA DI KABUPATEN KUDUS: STUDI KOMPARATIF STAIN KUDUS DAN UMK Winoto, Joyo; Rokhman, Wahibur
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
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This study explored the entrepreneurial behavior among students at Kudus Regency, Central Java, Indonesia. One hundred students from STAIN Kudus and Muria Kudus University (UMK) were selected using cluster-sampling technique for the investigation. Descriptive statistics and t test technique were used to analyze data. Results revealed that both students at STAIN Kudus  and UMK have high motivation in entrepreuship, however Students at STAIN Kudus have higher motivation than UMK. Implication, limitation and suggestion for future research are discussed.Penelitian ini ingin menguji perilaku berwirausaha diantara mahasiswa di kabupaten Kudus dengan cara membandingkan motivasi berwirausaha mahasiswa ekonomi Islam STAIN Kudus dengan mahasiswa ekonomi UMK. Sebanyak seratus orang dari dua lembaga tersebut diambil menggunakan metode cluster sampling. Hasil penelitian ini dianalisis dengan diskriptif statistik dan t test. Hasilnya menunjukkan bahwa baik mahasiswa STAIN Kudus dan UMK sama sama meiliki motivasi berusaha yang tinggi, tetapi mahasiswa STAIN Kudus memiliki motivasi lebih tinggi. Implikasi, keterbatasan dan saran untuk penelitian selanjutnya disajikan dalam artikel ini.Kata Kunci:  Pelatihan, Budaya organisasi dan efektifitas Kinerja
PENGEMBANGAN PRODUK-PRODUK LEMBAGA KEUANGAN MIKRO SYARIAH Arifin, Meuthiya Athifa
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
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Islamic microfinance institutions is one of the pillars in the financial intermediation process. Microfinance is needed by small and medium-sized communities both for consumption and production, and also save the results of their efforts. This study aims to determine the theoretical foundations associated with the development of products Islamic microfinance institutions. The results showed that the development of products LKMS through enterprise planning process to determine the market demand, establish a strategic decision in the formation of products, improve the product, even to innovate new products as an effort to improve the quality of services and products LKMS services. Through Islamic principles in product development stage, the products can provide variation LKMS lawful and good for the benefit of society in general. Efforts related to the development of performance management products generate LKMS lead to the implementation of activities in the form of an increase in the product. It is as a form of improving managerial quality in LKMS.Keywords: Product Development and Microfinance Institutions ShariaLembaga keuangan mikro syariah merupakan salah satu pilar dalam proses intermediasi keuangan. Keuangan mikro dibutuhkan oleh kelompok masyarakat kecil dan menengah baik untuk konsumsi maupun produksi serta juga menyimpan hasil usaha mereka. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait dengan pengembangan produk-produk lembaga keuangan mikro syariah. Hasil penelitian menunjukkan bahwa pengembangan produk-produk LKMS melalui proses perencanaan perusahaan untuk mengetahui keinginan pasar, menetapkan keputusan yang strategis dalam pembentukan produk, memperbaiki produk, bahkan membuat inovasi produk-produk baru sebagai upaya peningkatan kualitas layanan dan produk jasa LKMS. Melalui prinsip syariah pada tahapan pengembangan produknya, maka produk-produk LKMS dapat memberikan variasi yang halal dan baik untuk kemaslahatan masyarakat secara umum. Upaya yang berkaitan dengan pengembangan produk menghasilkan kinerja manajemen LKMS mengarah pada pelaksanaan kegiatan berupa peningkatan produk. Hal ini sebagai wujud meningkatkan kualitas manajerial di LKMS. Kata Kunci: Pengembangan Produk dan Lembaga Keuangan Mikro Syariah
MUDHARABAH DALAM FIQIH DAN PERBANKAN SYARI’AH Arifin, Meuthiya Athifa
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
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This research intends to know the theoretical foundations related mudharabah in jurisprudence and Shariah banking. The method used in this research is to study literature. The results showed that mudharabah is a contract between two parties whereby one party called rab al-mal (investors) entrusts money to the second party, called mudharib, for the purpose of running a trading business. Mudharabah contract has no basis in the Qur’an and Sunnah, the contract has been used to run a trade by the early generations of Muslims. Mudharabah contract is very different with the syariah bank mudharabah contract as generally described by maszhab-schools of fiqh, or as envisaged by the Shariah bank as a theoretical model of joint venture capital financing, or financing for industrial development.
INTEGRASI ILMU-ILMU ISLAM Mufid, Fathul
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
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The purpose of this article is to analyze how to integrate between science and religion. Islamic theology is based revelation, hadith and ijtihad while science is based on human thinking through research on empirical data. Both Islam and Science have different resources and areas which is separated from each other. The dichotomy mindset is still most Muslims today. There are many Muslims who believe that science and religion stand indifferent position , because science relies empirical data , while religion relying on dogma and also religion are not necessarily based on empirical data , but rather based on “ faith “ or belief . Some Muslim scholars have debated about the Islamization of knowledge such as: Ismail Raji al - Faruqi , Syed Muhammad Naquib Al - Attas , Fazlur Rahman , and Ziauddin Sardar . The idea of “ Islamization of knowledge “ is because of the disparities of achievement between science and religion.
OPTIMALISASI PERAN DOMPET DHU’AFA REPUBLIKA DALAM PENGEMBANGAN EKONOMI UMAT Kasdi, Abdurrahman
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
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 Sejalan dengan semangat kedermawanan umat Islam, filantropi Islam di Indonesia tengah mengalami perkembangan signifikan. Filantropi Islam dalam bentuk zakat, infak, sedekah dan wakaf telah ikut berjasa dalam pembangunan bangsa dan pengembangan ekonomi umat. Filantropi ini tidak hanya mewujud dalam sumbangan-sumbangan dadakan, melainkan dikelola secara kelembagaan. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan fenomenologis. Sedangkan metode kajian yang dipakai adalah metode kajian eksplanatif-analitis. Dengan pendekatan ini peneliti berusaha memahami optimalisasi peran Dompet Dhu’afa (DD) REPUBLIKA dalam pengembangan ekonomi umat. Potensi filantropi Islam ini ditandai dengan meningkatnya antusiasme umat dalam berfilantropi dan dipengaruhi oleh revitalisasi visi dunia filantropi Islam, yang mencoba mentransformasikan paradigma lama filantropi dengan paradigma baru yang lebih kreatif dan inovatif. Selain itu, terdapat suatu tujuan yang positif mengenai konsep keadilan sosial yang berdasarkan kesetaraan hak dan pemerataan kesejahteraan yang terintegrasi dalam konsep maupun praktik filantropi Islam dalam peran yang dimainkan oleh Dompet Dhu’afa (DD) REPUBLIKA.Kata Kunci: Kesejahteraan, Ekonomi, Karitatif, Civil SocietyThe spirit of generosity and Islamic philanthropy in Indonesia have significant growth. Islamic philanthropy in the form of charity, donation, charity and endowments have participated instrumental in the nation building and the economic development. Philanthropy is not only for consumptions but also productive activities. This study used a qualitative research method with a phenomenological approach. While the assessment method used is an explanatory analytical method. This study try to understand the role Dompet Dhuafa (DD) REPUBLIKA in the development of poor people. Potential Islamic philanthropy is characterized by an increased enthusiasm people in giving and also influenced by Islamic philanthropy revitalization vision of the world, which tries to transform the old paradigm of philanthropy with a new paradigm that is more creative and innovative. In addition, there is a positive goal of the concept of social justice based on equal rights and equal distribution of welfare are integrated in the concept and practice of Islamic philanthropy in the role played by Dompet Dhuafa (DD) REPUBLIKA.Keywords: Welfare, Economics, charity, Civil Society
ANALISIS PENGARUH RETURN ON ASSET (ROA), BOPO DAN BI-RATE TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH PADA BANK UMUM SYARIAH DI INDONESIA TAHUN 2012 – 2013 Farianto, Agus
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
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Penelitian ini bertujuan untuk mengetahui pengaruh Return on Asset (ROA), BOPO dan BI rate terhadap tingkat bagi hasil deposito mudharabah. Populasi dalam penelitian ini adalah bank syariah di Indonesia. Populasi penelitian ini adalah 11 bank syariah dan total sampel yang digunakan 7 bank. Dalam menentukan sampel menggunakan random sampling dengan kriteria Bank Syariah yang mengeluarkan laporan keuangan triwulanan secara lengkap pada tahun 2012-2013. Teknik analisis yang digunakan dalam penelitian ini adalah regresi linier berganda agar mendapatkan gambaran yang komprehensif tentang hubungan antara variabel yang satu dengan variabel lainnya. Selain itu, uji hipotesis yang digunakan adalah uji statistik t untuk menguji koefisien regresi parsial dan uji F-statistik untuk menguji signifikansi secara simultan dengan tingkat signifikansi 5%. Uji asumsi klasik yang meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas dan uji autokorelasi juga digunakan dalam penelitian ini. Hasil penelitian ini menunjukkan bahwa ROA, BOPO, dan BI Rate secara simultan berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah. ROA dan BI rate secara parsial berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah. Sedangkan BOPO secara parsial tidak berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah.Kata Kunci : ROA, BOPO, BI-Rate, Bagi Hasil Deposito MudharabahABSTRACT : This study aims to analyze the effect of Return on Asset (ROA), BOPO, BI rate to the the level of profit sharing mudharabah deposits. The population in this study is a Islamic bank in Indonesia. The population of this study were 11 Islamic banks and the total sample of 7 banks. In purposive sampling using random sampling with criteria of Islamic Banks serving quarterly financial statements in the year 2012-2013. The analysis technique used in this study is multiple linear regression to obtain a comprehensive picture of the relationship between variables that one with the other variables. In addition, the hypothesis test used was the t test statistic for testing the partial regression coefficient and test F-statistic for testing significance together with the significance level of 5%. Classic assumption test covering normality test, multicollinearity, heteroscedasticity test, and the autocorrelation test is also used in this study. The results of this study indicate that ROA, BOPO, and BI Rate simultaneously have significant effect on the level of profit sharing mudharabah deposits. ROA and BI Rate is partially have significant effect on the level of profit sharing mudharabah deposits. While the partial BOPO haven’t significant effect of the level of profit sharing mudharabah deposits.Keywords : Return on Assets (ROA), BOPO, BI Rate, Profit Sharing Deposist Mudharabah
IKHTIAR PENGEMBANGAN WAKAF PRODUKTIF Studi Analisis Pemikiran Monzer Kahf Tentang Wakaf Produktif Kasdi, Abdurrohman
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
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The productive endowment based on its definition and concept, contains any provisions on the economy, because by doing productive endowment means transferring the wealth from the effort of consumption towards production and investment in a productive capital which can produce something that can be consumed in next times, either by individuals and groups. Thus, the productive endowment is saving and investing activities simultaneously. It includes any activities that may hold the property which can be utilized by waqif directly or after changing into consumer goods. Therefore, the waqf is an activity that contains many elements of future investments and develops the productive assets for future generations in accordance with the charitable purpose, in the form of benefits, services and utilization of the results. The depth review of the productive endowment was written by Monzer Kahf in his book, Al-Waqf al- Islami; Tathawwuruhu, Idaratuhu, Tanmiyyatuhu. He discussed about the definition of waqf, its history and jurisprudence waqf, the method of management of productive endowment, and its role in improving the welfare of the people and developing the Islamic institutions.
MUSYARAKAH DALAM FIQIH DAN PERBANKAN SYARIAH Aziroh, Nur
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
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The Practice of Musharaka in Islamic banking are difference from Musharaka in jurisprudence perspective. This can be seen from the elements of capital, management, duration of the contract, warranty, and profit sharing. This study aims to determine the theoretical foundations associated Musharaka in jurisprudence and Islamic banking. The results showed that the Musharaka in Islamic banking has not been implemented in accordance with the Islamic jurisprudence, where there are elements of usury, namely the determination of the nominal money to be deposited is determined at the beginning even though not yet know whether the work done customer experience gains or losses, as well as the persistence of guarantees in musharaka contract, other than that if the work done there is a loss of customers, the loss is only borne by the customer only.Praktik musyarakah di perbankan syariah berbeda dengan musyarakah perspektif fiqih. Hal tersebut dapat dilihat dari unsur modal, manajemen, masa berlakunya kontrak, jaminan, dan bagi hasil. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait musyarakah dalam fiqih dan perbankan syariah. Hasil penelitian menunjukkan bahwa musyarakah yang dilaksanakan di perbankan syariah belum sesuai dengan kosep fiqih, di mana masih ada unsur riba, yaitu dalam penetapan nominal uang yang harus disetorkan ditentukan di awal padahal belum mengetahui apakah usaha yang dilakukan nasabah mengalami keuntungan atau kerugian, serta masih adanya jaminan dalam akad musyarakah, selain itu apabila usaha yang dilakukan nasabah terjadi kerugian maka kerugian hanya ditanggung oleh nasabah saja.Kata Kunci: Musyarakah, Fiqh  dan Perbankan Syariah
THE SIGNIFICANCE OF WAQF FOR ECONOMIC DEVELOPMENT Budiman, Mochammad Arif
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
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Terdapat anggapan dari sejumlah ilmuan Barat yang menyatakan bahwa institusi wakaf tidak lagi memainkan fungsi ekonomi yang signifikan dalam konteks perekonomian modern sebagaimana pada masa-masa sebelumnya. Menurut mereka, wakaf pada masa kini justru muncul sebagai faktor yang menghambat pembangunan di negara-negara Muslim. Artikel ini dimaksudkan untuk membantah anggapan tersebut dengan menampilkan berbagai fungsi dan kontribusi ekonomi yang dapat diperankan wakaf dalam konteks perekonomian kontemporer. Selain itu, sejumlah prasyarat untuk lebih mengoptimalkan pengelolaan wakaf juga dikemukakan.Kata kunci: wakaf, pembangunan ekonomi, distribusi pendapatan, kemiskinan, pembiayaan defisitThere is an opinion among Western scholars that the institution of waqf could not any longer perform its economic role in the present times. Instead of being a vital institution as it truly played at the pre-modern era, waqf nowadays seems to be an impediment to the development in Muslim countries. This paper therefore is meant to refute such an opinion and attempts to point out the economic impacts of waqf for Muslim society in the context of the present economy. In the last part, the paper also brings about several necessary prerequisites for the revitalization of waqf in the current days.Keywords: waqf, economic development, income distribution, poverty, deficit financing
STANDAR UPAH PEKERJA MENURUTSISTEM EKONOMI ISLAM Ridwan, Murtadho
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
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This article describes the concept of wages in the Capitalist system, Socialists and Islam. This paper also describes about the role of trade unions in the fight for workers’ rights particularly in the fight for minimum wage levels. This topic is interesting to be studied because there is a fundamental difference between the concept of wages according to Capitalists, Socialists and Islam. In Islam, the worker does not like other production factors in determining wages so that workers can not be treated like any other factor of production which is based on the law of supply and demand. Minimum wage in Islam must satisfy two requirements, that are fair and reasonable terms which are acceptable wage a worker must be able to meet the basic needs of workers and their families. And if the wages paid are not self-sufficient, then Islam categorizes workers in ashanaf are eligible to receive zakat.

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