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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
 7   8   9   10   11 
PENGARUH QUALITY OF WORK LIFE TERHADAP KEPUASAN KERJA, KOMITMEN ORGANISASI, TUROVER INTENTION DAN STRES KERJA: STUDI PADA BMT DI KUDUS Rokhman, Wahibur
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.v1i2.223

Abstract

This study was conducted to investigate the effect of quality of work life on job satisfaction, organiSational commitment, turnover intention and job stress among the employees of Baitul Mal wat Tamwil (BMT) in Kudus Regency, Central Java, Indonesia. The study uses a sample of 150 employees from 13 institutions of BMT. The empirical testing indicates that quality of work life has positive effects on both job satisfaction and organizational commitment; whereas there is no significant evidence of the effect of quality of work life on turnover intention and job stress. Implication, limitation and suggestion for future research are discussed.
STRATEGI PENANGANAN RISIKO PEMBIAYAAN MURABAHAH PADA BMT Se-KABUPATEN DEMAK Fikruddin, Tahta; Mufid, Fathul
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.v3i2.1261

Abstract

Awareness of the risks are well understood is an integral part of efforts to optimize the benefits of a business, especially in the business in the financial sector. The purpose of this study was to determine the risk management and strategies to deal with it in a murabaha financing which occurs in BMT Se Demak. Qualitative approach used in this study. While the data obtained through interviews, observation, and documentation. The results showed that the application of murabaha financing risk management is effective with little evidence BMT NPF. In addition, the strategies used to minimize the risk of murabaha financing is by means of transcendental in risk management. When, internal barriers facing employees BMT is a lack of focus in the analysis, while the external obstacle is the customer had less good faith and entered banking in rural areas.: Kesadaran memahami risiko dengan baik merupakan suatu bagian yang tidak terpisahkan dari upaya untuk mengoptimalkan keuntungan suatu bisnis, apa lagi dalam bisnis di sector keuangan. Tujuan penelitian ini adalah untuk mengetahui manajemen risiko dan strategi untuk menghadapinya dalam pembiayaan murabahah yang terjadi di BMT Se Kabupaten Demak. Pendekatan kualitatif digunakan dalam penelitian ini. Sedangkan data diperoleh dengan wawancara, observasi, dan dokumentasi. hasil penelitian menunjukkan bahwa aplikasi manajemen risiko pembiayaan murabahah berjalan efektif dengan bukti NPF BMT yang kecil. Selain itu, strategi yang digunakan untuk meminimalkan resiko pembiayaan murabahah adalah dengan cara transcendental dalam pengelolaan resiko. Manakala, hambatan internal yang dihadapi BMT adalah kurang fokusnya karyawan dalam analisa, sedangkan hambatan eksternalnya adalah nasabah punya iktikad kurang baik serta masuk perbankan di pedesaan.
KEWIRAUSAHAAN MAHASISWA DI IAIN LAMPUNG Dermawan, Oki
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.v1i1.204

Abstract

Entrepreneurship provide many benefits for students such as: 1. Creative thinking skills, combining imagination with scientific thinking skills, 2. Skills in Decision Making, at any time during the life one has to hold elections among alternatives, 3. Leadership skills . learn to have a strong personality , then someone will have the skills to lead yourself . 4 . Managerial skills, however, entrepreneurs must be able to manage all resources , both material resources and personnel to achieve success . skilled in planning , skilled in organizing , entrepreneurial guidance may hold or control, is able to conduct an assessment of the implementation, 5.Interpersonal skills or Human relations. Theoretical approach are given to students with a practical approach should be replaced, because the public wants a business man, not bisnis expert, and should be doing. informal coaching , which is important in this process is the formation of entrepreneurial character, with informal coaching will more effective in shaping a person’s character than formal guidance that predominantly affects IQ.
KUALITAS DAN KUANTITAS PELAPORAN TANGGUNG JAWAB SOSIAL PERBANKAN SYARIAH DI INDONESIA BERBASIS SHARIAH ENTERPRISE THEORY Kusuma, Septian Yudha; Sudarman, Sudarman
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.v5i2.2773

Abstract

This study aims to provide an overview of the level of reporting and the quality and quantity of social responsibility on Islamic Banking in Indonesia. The instrument in this study used previous research with the development of several reporting items from regulation in Indonesia.This research is a descriptive research using content analysis method and index approach covering 6 categories, namely environment, labor practices, health and safety, social and community development, product responsibility, investment and finance, and corporate governance. The number of Islamic Banks used in the research is 11 Banks. The results show the level of social responsibility reporting of Islamic Banking for the period of 2012 by 42% and 44% in 2013 with the most reporting theme is corporate governance. The majority of the reporting quantities of social responsibility activities gets very well score. Quality reporting of social responsibility activities scored poorly in 2012 only qualitatively and improved very well in 2013 with complete reporting; they are qualitative, monetary and non monetary in annual report.
PRODUK BANK SYARIAH SEBAGAI UPAYA UNTUK MENINGKATKAN LOYALITAS NASABAH KSPS PATI Nailal Muna, Muhammad Afif; Kuncoro, Amin
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.v4i1.1839

Abstract

This study aimed to test the loyalty of KSPS customers by maximizing the product of sharia banks. It used descriptive quantitative research to collect primary data as the data source. The populations of this study were all KSPS clients, while the sample collection technique used non-probability sampling with accidental sampling type, so the respondents were 100 active customers. The results of this study showed that the products of sharia banks are able to give contribution to the customers’ loyalty in KSPS. Empirically,t-value is greater than t table and significant value is less than 5%. It proves that customers dare to give information to friends, especially if they would make a transaction, either saving or borrowing using the contract in accordance with Islam so it will bee free from usury things.
PENGARUH PSYCHOLOGICAL ATTACHMENT DALAM PENGGUNAAN SISTEM INFORMASI Rahmawaty, Anita
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.v2i2.725

Abstract

This research investigates the effect of psychological attachment on the information system usage behaviors. This research is different from previous studies by integrating the variable of psychological attachment (internalization, identification and compliance) with Technology Acceptance Model (TAM). There are eight variables in this study, namely the perceived usefulness, perceived ease of use, psychological attachment (internalization, identification and compliance), attitude toward using, behavioral intention and actual use.This research is a type of survey research by using a quantitative approach. The research data are obtained from 117 students in Yogyakarta, by using random sampling technique. For research model testing technique, it used the multiple linear regression approach. The research's findings include three items. First, perceived ease of use, identification and compliance are positively and significantly effect on attitude toward using. Second, attitude toward using, identification and compliance are positively and significantly effect on behavioral intention. Third, behavioral intention is positively and significantly effect on information system usage behaviors. Finally, the research findings suggested that psychological attachment (identification and compliance) are the important variables that effect on information system usage behaviors.Keywords: Psychological attachment, technology acceptance model, information system.Penelitian ini menganalisis pengaruh psychological attachment terhadap perilaku penggunaan sistem informasi. Penelitian ini berbeda dengan riset terdahulu dengan mengintegrasikan variabel psychological attachment (internalization, identification dan compliance) dengan Technology Acceptance Model (TAM). Terdapat 8 variabel dalam penelitian ini, yaitu perceived usefulness, perceived ease of use, psychological attachment (internalization, identification dan compliance), attitude toward using, behavioral intention dan actual use.Penelitian ini merupakan penelitian survey dengan menggunakan pendekatan kuantitatif. Data penelitian dikumpulkan dari sebanyak 117 mahasiswa di Yogyakarta dengan menggunakan teknik simple random sampling. Sementara itu, teknik analisis datanya menggunakan uji regresi linier berganda.Temuan penelitian ini menunjukkan bahwa: 1) perceived ease of use, identification dan compliance berpengaruh secara positif dan signifikan terhadap sikap; (2) attitude toward using, identification dan compliance berpengaruh secara positif dan signifikan terhadap minat perilaku; (3) Minat perilaku berpengaruh secara positif dan signifikan terhadap perilaku penggunaan sistem informasi. Dengan demikian, temuan penelitian ini menunjukkan bahwa psychological attachment (identification dan compliance) merupakan variabel penting yang mempengaruhi perilaku penggunaan sistem informasi.Kata Kunci :  Psychological attachment, technology acceptance model, sistem informasi.
AL-IJARAH AL-MUTANAQISHAH: AKAD ALTERNATIVE UNTUK PEMBERDAYAAN TANAH WAKAF Ridwan, Murtadho
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.v3i1.1276

Abstract

Empowerment is an attempt to bring the results or even greater and better benefits by using the potentials of someone who have the power. The empowerment of the waqf land aims at developing and producing the waqf land in an effort to get the results and benefits of waqf land itself in general accordance with the provisions that have been required Wakif. This article is a literature review that aims to seek alternative contract in empowering waqf land. The results showed that many literature of jurisprudence have set a contract that can be used to empower waqf land. Among the contract is categorized Ijarah contract in the empowerment of traditional endowment. Therefore, if the economic system is more advanced, the Ijarah develop and innovate so that it appears the contract called IMBT (Ijarah Muntahiyah bi Tamlik). In addition there are al-Ijarah contract al-Mutanaqishah that is very suitable for the empowerment of waqf land. The last contract helped Nazhir in capital for the empowerment of waqf land. This is because all the empowerment of waqf land costs will be paid by investors and after the contract is completed, the financiers will transfer ownership of the building to Nazhir. Pemberdayaan adalah suatu usaha untuk mendatangkan hasil atau manfaat yang lebih besar dan lebih baik dengan memanfaatkan potensi yang dimiliki. Pemberdayaan tanah wakaf bertujuan mengembangkan dan memproduktifkan tanah wakaf sebagai upaya mendapatkan hasil dan manfaat tanah wakaf secara umum  sesuai  dengan  ketentuan  yang  telah  disyaratkan  Wakif. Artikel ini merupakan kajian pustaka yang bertujuan untuk mencari akad alternative dalam memberdayakan tanah wakaf. hasil kajian menunjukkan bahwa banyak literatur fikih yang sudah menentukan akad-akad yang bisa digunakan untuk memberdayakan tanah wakaf. Di antara akad tersebut adalah Ijarah yang dikategorikan akad tradisional dalam pemberdayaan wakaf. oleh karena system perekonomian yang sudah semakin maju, maka akad Ijarah mengalami pengembangan dan inovasi sehingga muncul akad yang disebut dengan IMBT (Ijarah Muntahiyah bi Tamlik). Selain itu ada akad al-Ijarah al-Mutanaqishah yang sangat cocok untuk pemberdayaan tanah wakaf. Akad yang terakhir ini banyak membantu Nazhir dalam permodalan untuk pemberdayaan tanah wakaf. Ini karena semua biaya pemberdayaan tanah wakaf akan ditanggung oleh pemodal dan setelah akad selesai pemodal akan mengalihkan pemilikan bangunan kepada Nazhir.
BISNIS MULTILEVEL MARKETING DALAM PERSPEKTIF ISLAM Rahmawaty, Anita
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.v2i1.716

Abstract

Multilevel marketing is a marketing strategy that utilized customers to promote a certain product using multiple levels. This Approach is popular due to the increasing of the accessibility of modern social networks. However, because of this popularity, this method used to deceived customer, by using MLM they cheat customers so its impact on people distrust. Multilevel marketing often received criticism from the community. This is due to most of the people who pursue MLM is not understand the characteristics of the MLM business as a whole, whether in business it contains elements that is forbidden or not, and whether the business marketing system in accordance with Islamic law. This study examines the foundation for the study of the legal status of the clarity of MLM business in the perspective of Islamic law.Keywords: Multilevel marketing; Business; Islamic lawMultilevel marketing merupakan strategi pemasaran yang memanfaatkan konsumen untuk menyalurkan suatu produk tertentu dengan menggunakan beberapa level. Strategi ini sangat populer karena adanya dukungan akses jaringan sosial modern. Namun demikian, dalam perkembangannya, muncul penipuan bisnis yang berkedok MLM sehingga membuat citra bisnis MLM ini menjadi buruk di mata masyarakat. Akibatnya, bisnis MLM ini sering menerima kritik dari masyarakat. Hal ini disebabkan sebagian besar orang yang berbisnis MLM tidak memahami karakteristik dari bisnis MLM secara keseluruhan, baik apakah dalam bisnis ini mengandung unsur yang dilarang atau tidak, dan apakah sistem pemasaran bisnis ini sesuai dengan hukum Islam. Makalah ini mengkaji tentang kejelasan status hukum bisnis MLM dalam perspektif hukum Islam.Kata Kunci: Multilevel marketing, Bisnis, Hukum Islam
MENGGERAKKAN EKONOMI MARITIM SYARI’AH DI INDONESIA Said, Nur Said
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.v3i2.1267

Abstract

This paper discusses two things: (1) The ethos of Maritime Economy in Islam, (2) Maritime Economic as the Challenges as Sharia system. Both are studied with an intertextuality approach that articulate ideas in framework of sociology of maritime in Indonesia. The conclusions are the fact that the Indonesian territory consists of75% over the sea is a part of the divine secrets that should be explored as a source of knowledge and a promising economic potential for the welfare of mankind. But in its utilization should pay attaintion to the ethical aspects with the principle holds worship (at-tawhid), equation (al-musawat), freedom (al-Hurriyat), justice (al-’adl), helping (At-ta’awun) and tolerance (at-tasamuh). It’s like have been given the common ideals of the Prophets and Apostles since Noah, Moses, Jonah and the Prophet Solomon postscript holds the principle of monotheism in interacting with nature, especially in the area of maritime in that time. Exploring the   maritime zone for human welfare is confortable as long as no monopoly, exploitation and discrimination while demanding a balance between rights and obligations. Paper ini mendikusikan dua hal: (1) Etos Ekonomi Maritim dalam Islam, (2) Ekonomi Maritim sebagai tantangan Ekonomi Syariah. Kedua bahasan tersebut dikaji dengan pendekatan intertektualitas mendialogkan berbagai ide dalam bingkai sosiologi maritim nusantara. Kesimpulan paper ini adalah semesta alam diciptakan Sang pencipta tidaklah sia-sia. Kenyataan bahwa wilayah Indonesia terdiri dari 75% lebih adalah laut adalah bagian dari rahasia ilahi yang harus digali sebagai sumber ilmu dan potensi ekonomi yang menjanjikan untuk kesejahteraan umat manusia. Namun dalam pemanfaatannya perlu memperhatikamn aspek hukum dan etika dengan memegang prinsip ibadah (at-tauhid), persamaan (al-musawat), kebebasan (al-hurriyat), keadilan (al-‘adl), tolong menolong (at-ta’âwun), dan toleransi (at- tasâmuh).  hal ini seperti telah diberikan keteladanan umum dari para Nabi dan Rasul sejak Nabi Nuh, Musa, yunus dan juga Nabi Sulaiman yang nota bene memegang prinsip tauhid dalam berinteraksi dengan
UANG DAN KEBIJAKAN MONETER DALAM PERSPEKTIF EKONOMI ISLAM Rahmawati, Anita
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.v1i2.213

Abstract

This paper describes the concept and functions of money in the Islamic economics perspective and analyze the role of money in monetary policy in Islam. The review was interesting to be discussed because there are fundamental differences between the concepts and functions of money in the modern economy and Islamic economics perspectives. In Islam, money is a flow concept and public goods, while capital is a stock concept and private goods. Instead, the concept of money in a modern economy is often interpreted as interchangeability that money as money and money as capital. The presence of money in the economic system will affect the economy of a country, which is usually associated with monetary policy. However, differences in the prevailing economic system, would have a different view about money and monetary policy.

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