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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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ANALISIS FAKTOR YANG MEMPENGARUHI PENETAPAN MARGIN PADA PEMBIAYAAN MURABAHAH DI BMT SE-KABUPATEN JEPARA Rahmawati, Fithria Aisyah; Rokhman, Wahibur
EQUILIBRIUM Vol 3, No 2 (2015): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v3i2.1257

Abstract

The rate of margin in the contract murabaha not only affects on the level of profit sharing of shareholders, but also affect on the depositors. This study aimed to analyze the factors that influence on the determination of the profit margin in the murabaha financing. The analytical method used is multiple linear regression analysis with the variable operating costs, profit targets, cost of funds, risk cost andthe average margin level market. Results of this study indicate that factors operating costs, risk of cost, and the average margin market significantly influence the determination of the profit margin onmurabaha financing at BMT in  Jepara Regency. While the factor cost of funds and profit targets not significantly affect the profit margin on murabaha financing.Tingkat margin yang ditentukan dalam akad murabahah tidak hanya berpengaruh terhadap tingkat bagi hasil pemegang saham, tetapi juga berpengaruh pada bagi hasil yang diberikankepada anggota penyimpan dana. Inikarena Murabahah merupakan akad pembiayaan yang paling dominan di lembaga keuangan syariah. Kajian ini bertujuan untuk menganalisis faktor-faktor yangberpengaruh terhadap penetapan profit margin pada pembiayaan murabahah. Metode analisis yang digunakan adalah analisis regresi linear berganda dengan variable biaya operasional, profit target, costof fund, risk cost dan tingkat rata-rata marjin pasar. hasil kajian ini menunjukkan bahwa faktor biaya operasional,  risk of cost, dan ratarata margin pasar berpengaruh signifikan terhadap penetapan profitmargin pada pembiayaan murabahah di BMT Se-Kabupaten  Jepara. Sedangkan faktor cost of fund dan profit target tidak berpengaruh secarasignifikan terhadap profit margin pada pembiayaan murabahah di BMT Se-Kabupaten  Jepara.
SEBUAH PARADOKSAL KRISIS PANGAN DAN IRONI KETAHANAN PANGAN Tinjauan Perspektif Islam *, Maryatin; *, Subiyanto
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i1.203

Abstract

Today the world is faced with major economic crisis. Including the food crisis. One way of dealing to the crisis with food security program, the State’s have rich food encounter crisis, this is a paradox. This research used library research to descriptive analysis, namely to assess the food crisis, food security according to the capitalist and how Islam according to food crisis or food security, called the Islamic perspective. In addition, this research the author uses qualitative research with collecting data from the literature which categorized to the primary and secondary data. How to get the data is obtained by reading leteratur books, papers, magazines, and research reports. To overcome the food crisis there is food security program. Food security according to capitalist consists of three main sub-systems is the availability, access and absorption of food. availability of food is the food in an amount sufficient nutrious and safe for all people in a country which derived either from own production, imports, food stocks and food aid was seen in macro. If the stock is adequate availability of food is considered sufficient. Similarly, access to food is not meant for any individual security can get food needs. It’s how people are able to meet their needs by producing their own, buy, or get help in order to buy. So which determines access to food is a distribution. This distribution is still based on the price mechanism as the capitalist economic doctrine. Islam considers that food security can be achieved by placing the concept of ownership is evident. food security in Islam include: (1) guarantee for compliance basic needs of food; countries that guarantee the basic needs of its people (2) food availability and affordability of food by individual communities, and (3) State of Food Independence.
PENGARUH FIRM SIZE DAN GOOD CORPORATE GOVERNANCE SERTA CORPORATE SOCIAL RESPONSIBILITY TERHADAP KINERJA KEUANGAN PADA BANK UMUM SYARIAH DI INDONESIA Magdalena, Septiana; Yuningsih, Isna; Lahaya, Ibnu Abni
EQUILIBRIUM Vol 5, No 2 (2017): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v5i2.2772

Abstract

This study aims to determine the effect of Firm Size peroxided by Total Assets and Number of Employees, Good Corporate Governance peroxided by Proportion of Independent Board of Commissioners, Sharia Supervisory Board, Proportion of Independent Audit Committee, and Corporate Social Responsibility to Financial Performance as peroxided by Return on Assets at the Sharia Commercial Bank in Indonesia. This research was quantitative research with the sample Sharia Commercial Bank in Indonesia during 2011 to 2015 using purposive sampling technique, with 35 samples. Method of data management used regression analysis and SPSS tool. The results showed that Total Assets, Proportion of Independent Board of Commissioners, and Corporate Social Responsibility have a negative effect on Financial Performance as measured by ROA. The number of employees has a positive effect on Financial Performance as measured by ROA. Meanwhile, the Sharia Supervisory Board and the Proportion of Independent Audit Committee have no effect on Financial Performance as measured by ROA.
PENGARUH ETIKA KERJA ISLAM TERHADAP PRESTASI KERJA MELALUI KOMITMEN ORGANISASI PADA PONDOK PESANTREN HIDAYATULLAH PATI Subiyanto, Subiyanto; Machbub, Achmad
EQUILIBRIUM Vol 4, No 2 (2016): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v4i2.1951

Abstract

This study aimed to analyze the influence of Islamic work ethics on the work performance which is mediated by the organization commitment on Pondok Pesantren Hidayatullah Pati. The samples were taken using purposive sampling, 167 respondents. The results showed that the Islamic work ethic has an important role for the creation of organizational commitment which is expected to improve the overall performances. Islamic work ethic variable is an important variable in creating organizations commitment and board and employees’ work performance. The improvement of Islamic work ethic from the board and employees influences the organizational commitment; the improvement of Islamic work ethic from the board and employees will affect their work performances; the improvement of better organization commitment will have positive influence to the board and employees’ work performances.
SKALA USAHA DAN PELATIHAN AKUNTANSI SYARIAH TERHADAP PENGGUNAAN SISTEM INFORMASI AKUNTANSI DI BMT SE- KARESIDENAN PATI Rahman, Aulia; Kasdi, Abdurrahman
EQUILIBRIUM Vol 4, No 1 (2016): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v4i1.1838

Abstract

This study aimed to examine the effect of education managers, company lifespan, scale effort, sharia accounting training on the use of accounting information systems at BMT in ex-Pati residency. This was field research with survey through questionnaires. Samples of this study were the manager of BMT both headquarters and branch offices which actively operate in ex-Pati residency totaling 114 respondents using purposive sampling method. The results showed that managers education influences the use of accounting information systems based on the coeffecience of total effect 0.12. The company lifespan influences the use of accounting information systems based on the coefficience of  total effect 0.19. The business scale influences the use of accounting information systems based on the coefficience of  total effect 0.20. And sharia accounting training affects the use of accounting information systems based on the coefficience of total effect 0.35.
ANALISIS PENGARUH INFLASI, PRODUK DOMESTIC BRUTO DAN JUMLAH UANG BEREDAR TERHADAP RETURN ON ASSET BANK SYARIAH Sodiq, Amirus
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i2.724

Abstract

This research aims to explain the influence analysis of Inflation, Gross Domestic Bruto, and Money Supply to the Return on Asset (ROA) of Islamic Banking period 2009-2012. The sampling technique used is purposive sampling. This research sample gained from three Islamic banks and the data were obtained from published financial statement of Bank of Indonesia. Data analysis technique used multiple linier regression analysis. Where previously data had been tested with the classical assumption include data normality test, heteroscedasticity, multicollinearity and autocorrelation. F Test result showed that simultaneous variable of Inflation, Gross Domestic Bruto, and Money Supply have a significant effect on ROA while T Test result showed that partially Inflation haven’t a significant effect on ROA while GDP have a positive and significant effect on ROA while Money Supply have a negative and significant effect on ROA.Penelitian ini bertujuan untuk menjelaskan analisis pengaruh inflasi, produk domestic bruto dan jumlah uang beredar terhadap return on asset perbankan syariah periode 2009 – 2012. Teknik sampel yang digunakan adalah purposive sampling. Jumlah sampel dalam penelitian ini sebanyak tiga bank syariah. Dimana datanya diambil dari laporan leuangan yang telah dipublikasikan oleh Bank Indonesia. Teknik analisis data dengan menggunakan analisis regresi linier berganda. Dimana sebelumnya telah dilakukan uji asumsi klasik yang meliputi uji normalitas, heteroskedastisitas, multikolinieritas dan autokorelasi. Hasil uji F menunjukkan bahwa secara simultan variable inflasi, produk domestic bruto dan jumlah uang beredar berpengaruh secara signifikan terhadap return on asset, adapun hasil uji T menunjukkan bahwa secara parsial inflasi tidak menunjukkan pengaruh yang signifikan terhadap return on asset, sedangkan produk domestic bruto menunjukkan pengaruh positif dan signifikan terhadap return on asset dan jumlah uang beredar menunjukkan pengaruh negatif dan signifikan terhadap return on asset.   Kata Kunci: Inflasi, Produk Domesti Bruto, Uang Beredar, Return on Asset
IMPLEMENTASI WAKALAH PADA LEMBAGA KEUANGAN MIKRO SYARIAH Rizal, Rizal
EQUILIBRIUM Vol 3, No 1 (2015): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v3i1.1275

Abstract

Islam provides an opportunity for people to have an economic creativity (muamalah) in order to facilitate his people to fulfil their needs.  However, they should  still referring to the general rules that have been outlined and not violates a general rule that is not permissible in Islam. Muamalah of human creations are also found in financial institutions such as the financing of products, and Murabaha with  wakalah.  however,  the  implementation  of  this  agreement  in the Islamic financial institutions particularly Islamic microfinance institutions often found not suitable with Islamic regulation. Thus, it indicates that the rules that have been violated, that is make the financing of islamic institution same with  the conventional financial institutions. Islam memberikan peluang bagi umatnya untuk melakukan kreasi di bidang ekonomi atau muamalah agar bisa memudahkan umatnya dalam memenuhi kebutuhan hidupnya. Pembolehan kreasi tersebut tidak lepas begitu saja, tetapi tetap merujuk pada aturan- aturan umum yang telah digariskan. Apabila perilaku manusia melanggar aturan umum, maka hal tersebut tidak dibolehkan dalam Islam. Kreasi manusia bidang muamalah banyak ditemuakan dalam lembaga keuangan seperti dalam produk pembiayaan, di antaranya adalah   pembiayaan   murabahah   yang   memakai   akad  wakalah. Namun, implementasi akad ini di lembaga keuangan syariah terutama lembaga  keuangan  mikro  syariah  sering  dijumpai  belum  sesuai dengan ketentuan yang semestinya, sehingga hal ini mengindikasikan adanya aturan yang dilanggar. Dengan adanya aturan yang dilanggar mengakibatkan pembiayaan tersebut mirip dengan kredit yang ada pada lembaga keuangan konvensional.
PENGARUH PELATIHAN DAN BUDAYA ORGANISASI TERHADAP EFEKTIFITAS KINERJA KARYAWAN Fatihin, Amirul; Rokhman, Wahibur
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i1.715

Abstract

The current study explored the relationship between training, organizational culture, and work performance in Islamic microfinance institutions in Kudus Regency. Specifically, this study examined the effect of training and organizational culture on performance among employees. Survey data was consisted of 84 employees from Islamic microfinance institutions. The empirical tests indicated that training has significant effect on performance. Also, organizational culture has significant effect on performance. Implication, limitation and suggestion for future research are discussed.Keywords:   training, organizational culturePenelitian ini menguji hubungan antara pelatihan, budaya organisasi dan kinerja di lembaga keuangan mikro syariah di Kabupaten Kudus. Penelitian ini menguji pengaruh pelatihan dan budaya organisasi terhadap kinerja karyawan. Sampel penelitian ini sebnyak 84 karyawan dari lembaga keuangan mikro syariah. Hasil penelitian ini menunjukkan bahwa pelatihan berpengaruh signifikan terhadap kinerja. Lebih lanjut, budaya organisasi berpengaruh signifikan terhadap kinerja.Kata kunci: Pelatihan, Budaya organisasi serta efektifitas dan kinerja
PENGARUH ETIKA KERJA ISLAM DAN KEPEMIMPINAN TRANSFORMASIONAL TERHADAP KINERJA KARYAWAN Hana, Mc. Mifrohul; Ghufron, M. Nur
EQUILIBRIUM Vol 3, No 2 (2015): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v3i2.1266

Abstract

Performance is a result achieved by the worker in his work according to certain criteria to apply for a job. The success of the performance can be affected by several factors that support it. This study aims to empirically examine the influence of Islamic work  ethics and transformational leadership on improving the performance of employees in UKM Singocandi, Kota, Kudus. Data collection methods used were the questionnaire and observation. While the analysis using multiple linear regression model. The results showed that the Islamic work  ethic  significant positive effect on employee performance. This was indicated by the regression coefficient  of 0.292 with  a significance level of 0.001 t less than 0.05. And transformational leadership also significant positive effect on employee performance. This was indicated by the regression coefficient  of 0.993 with  a significance level of 0.000 t less than 0.05.Kinerja merupakan suatu hasil yang dicapai oleh pekerja dalam pekerjaannya menurut kriteria tertentu yang berlaku untuk suatu pekerjaan. Keberhasilan kinerja bisa dipengaruhi oleh beberapa factor yang mendukungnya. Kajian ini bertujuan untuk menguji secara empiris pengaruh etika kerja Islam dan kepemimpinan transformasional pada peningkatan kinerja karyawan di UKM desa Singocandi kecamatan Kota Kudus. Metode pengumpulan data yang digunakan adalah dengan kuesioner dan juga observasi. Sedangkan análisis mengunakan model regresi linier berganda. hasil kajian menunjukkan bahwa etika kerja islam  berpengaruh positif  signifikan terhadap kinerja  karyawan. Hal  itu  ditunjukkan dengan koefisien   regresi   sebesar   0,292 dengan tingkat  signifikansi t  sebesar   0,001  yang  lebih  kecil  dari  0,05.  Dan kepemimpian  transformasional juga  berpengaruh positif   signifikan terhadap kinerja  karyawan. Hal itu ditunjukkan oleh koefisien  regresi sebesar  0,993 dengan tingkat signifikansi t sebesar  0,000 yang  lebih kecil dari 0,05.
IKHTIAR MENJADIKAN DINAR-DIRHAM SEBAGAI MATA UANG DI INDONESIA Mursid, Ali; Muklisin, Muhammad
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i2.212

Abstract

Paper money that we hold today is fiat money means the nominal value of money is not balanced by the intrinsic value. As a result, the day-to-day reality of the functions of money has come out of the frame that has been conceptualized in the beginning. Money should have indirect utility functions function. But it would have been eliminated with the advent sumua practice of commodity money, speculation, sagnorage and so on. This paper is made using pieces of library research methods. In this article didiskripsikan many important things about the effort to implement the dinar and dirham as currency in Indonesia. This paper aims to contribute ideas to the Indonesian people to be motivated to apply back the dinar and dirham as currency in the nation’s financial system.

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