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INDONESIA
IQTISHADIA
Published by Sekolah Tinggi Agama Islam Negeri Kudus
ISSN : 19790724     EISSN : 25023993     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
IQTISHADIA, particularly focuses on the main problems in the development of the sciences of Islamic Business and economics areas. It covers Islamic management, Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Zakah, Waqf, Poverty Alleviation, Islamic Public Finance, Monetary Economics, Economic Development, Maqasid al-Shariah, Institutional Economics, Behavioural Economics and Finance, Corporate Governance, Risk Management, Shariah issues, Financial Engineering, Securitization and Sukuk, Islamic Capital Markets, Insurance and Takaful, Regulatory Issues, Corporate Social Responsibility in Islam and other topics which related to this area.
Arjuna Subject : -
Articles 400 Documents
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FAKTOR PENENTU KEBERHASILAN UMKM PADA KLASTER BORDIR DAN KONVEKSI KUDUS *, Sanusi
IQTISHADIA Vol 8, No 1 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i1.1080

Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang berpengaruh terhadap keberhasilan bisnis UMKM pada klaster border dan konveksi Desa Padurenan Kudus. Kajian ini adalah penelitian lapangan dengan menggunakan pendekatan kuantitatif. Keberhasilan usaha dapat diraih dengan upaya dari berbagai pihak, baik dari upaya eksternal maupun internal.  Salah satu upaya eksternal yang dilakukan antara lain melalui program dan kegiatan yang dilakukan pemerintah untuk mengembangkan  sektor UMKM, hasilnya selama ini cukup menggembriakan.   Kegagalan yang terjadi pada umumnya disebabkan oleh modal yang kurang memadai, persaingan yang cukup ketat dan kurangnya kemampuan mengelola usaha.  Dengan demikian, modal bukanlah satu-satunya faktor yang menentukan sebuah bisnis akan sukses atau tidak.   Kata Kunci: Wirausaha, Manajemen, Kualitas, KuantitasSUCCESS FACTORS OF SMSE OF GARMENT IN  KUDUS This article aims at analyzing significant factors to  the success of SMSE of convection and border in Padurenan Kudus. This is a field research using quantitative approach. The success of business may be supported by several factors both external  and internal. Among external factors are government program and activities to develop SMSE. Business failure mostly is caused by capital limit,   competition and the lack of ability to manage business. Thus, capital is not the only factor for success.  Keywords: Entrepreneurship, Management, Quality, Quantity
Islamic Prudential Banking Concept to Reduce Non Performing Financing: Literature Review Asiyah, Binti Nur; Nasir, M. Ridlwan; Ahsan, Muhamad
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.5641

Abstract

Purpose - This paper aims to develop the concept of prudential banking based on sharia principles to minimize non-performing financing in Indonesia. Methode - This desk research was based on many relevant studies advanced in the literature.  The review was particularly focus on  Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Sharia Banking Statistics for 2014-2018 was used to  sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g.  Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of Sharia banking in those countries. Findings - The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks need  to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important of  sharia human resources, sharia product, sharia process (marketing, management, and standard operational procedure (SOP)) as well. Research limitation- This research limitation article requires follow-up to explore the potential of applying Islamic prudential banking in depth to Islamic banks in Indonesia and apply it to every operational standard procedure from banks. Practical implications – The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing. This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available. Also, it can be implemented by other stakeholders of Islamic Banking . Social implication- The social implication of this study  to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks. Originality/Value - The originality of this study is due to the facts that studies on Islamic Prudential Banking have little examination. For this reason, this review study can be used as the important input to develop  Islamic prudential banking and to be implemented by the banking and the regulators 
PERAN BANK SYARIAH DALAM PENYALURAN DANA BAGI USAHA MIKRO KECIL DAN MENENGAH (UMKM) Zamroni, Zamroni
IQTISHADIA Vol 6, No 2 (2013): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v6i2.1112

Abstract

Tulisan ini membahas tentang peranan lembaga perbankan syariah dalam  rangka  mendukung  perekonomian  Indonesia. Besarnya porsi pembiayaan yang disalurkan ke sektor Usaha Mikro Kecil dan Menengah  (UMKM) memberikan  bukti komitmen  bank syariah  terhadap  pemberdayaan   ekonomi   rakyat.  Penelitian ini menggunakan   pendekatan kualitatif    deskriptif.  Dalam menganalisis  data, peneliti  menggunakan  metode triangulasi, triangulasi data dengan teori dan membandingkan data diamati dengan  wawancara.  Hasil penelitian  ini menunjukkan  bahwa pembiayaan   syariah diarahkan menuju pembiayaan  dengan prinsip bagi hasil yang menekankan  pola hubungan  kemitraan antara pihak bank dan nasabah. Prinsip bagi  hasil  dapat dilakukan dalam empat akad, yaitu mudharabah,  musyarakah, muzara’ah, dan musaqah.Kata kunci: pembiayaan, bank, pemberdayaanTHE ROLE OF SHARIA BANKING IN MSMEs FINANCE. This article discusses about the role of Islamic banking institution  to support Indonesian economy. The financial portions transmitted to the micro business sector (Small and Medium Enterprises MSMEs) proves   the  commitment    of  shari’ah   banking   in  economic empowerment. This study applies descriptive-qualitative approach. Data are analyzed through triangulation method, comparing data with theory, and the result of interview. Result of this study shows that syariah finance is conducted in accordance with the principle of profit sharing emphasizing on bank and customer’s partnership. Profit sharing may be conducted in four agreements: mudharabah, musyarakah, muzara’ah and musaqah.Keywords: finance, bank, empowerment
ANALISIS METODE PENGAKUAN KEUNTUNGAN AL–TAMWIL BI AL-MURĀBA’AH DI KSPS MALIKUSSALEH ACEH UTARA Harianto, Syawal
IQTISHADIA Vol 7, No 1 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i1.1103

Abstract

Kajian ini bertujuan ini untuk menganalisis metode pengakuan keuntungan yang digunakan dalam pembiayaan murabahah  in KSP Malikussaleh. Peneliti menggunakan pendekatan deskriptif kualitatif untuk mengumpulkan  dan menganalisis data. Transkrip data dianalisis  dan selanjutnya dibandingkan   dengan  kajian literature dan hasil wawancara untuk menyimpulkan persamaan dan perbedaannya. Hasil menunjukkan bahwa KSP Malikussaleh menggunakan  metode proporsional  metode dalam  pengakuan keuntungan  dari pembiayaan  murabahah dan menggunakan PSAK 102.Kata Kunci: murabahah,  metode, proporsional.ANALYSIS OF PROFIT RECOGNITION  METHOD OF AL- TAMWIL BI AL-MURABAHAH IN KSP MALIKUSSALEH ACEH UTARA. The aim of this  research is to analyze profit recognition methods that are used on murabahah  finance in KSP Malikussaleh.  Researcher used a qualitative descriptive approach to collect and analyse the data. Transcript data were analyzed and as concepts emerged they were compared with those from literature reviews  and interviews  to establish  similarities  and differences. Investigators  reached  consensus  about the  major themes.  The result of this  research showed  that KSP Malikussaleh  used the proportional methods on profit recognition in murabahah finance and using of PSAK 102.Keywords: murabahah, proportional, method.
ANALISIS PEMIKIRAN FZALUR RAHMAN TENTANG ASPEK EPISTEMOLOGI EKONOMI ISLAM Mu'min, Ma'mun
IQTISHADIA Vol 8, No 2 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i2.958

Abstract

Artikel ini bertujuan untuk menganalisis pemikiran Afzalur Rahman tentang ekonomi Islam. Menurut Afzalur Rahman, ekonomi Islam sebagai sebuah obyek ilmu pengetahuan memiliki tiga aspek penting, yaitu: ontologi, epistemologi dan aksiologi. Dasar ekonomi Islam ada sepuluh, yaitu tauhid, maslahah, keadilan, kepemimpinan, persaudaraan, kerja dan produktifitas, kepemilikan, kebebasan dan tanggung jawab, jaminan sosial, dan kenabian. Ditinjau dari tujuannya, ekonomi Islam memiliki tiga tujuan utama, yaitu: mewujudkan pertumbuhan ekonomi dalam negara, mewujudkan kesejahteraan manusia, dan mewujudkan distribusi sumber ekonomi secara adil. Secara etika, paling tidak terdapat lima etika yang harus dipegang teguh para pebisnis Islam, yaitu: Berpegang teguh pada kejujuran, berpegang teguh pada sikap tolong menolong, tidak pernah melakukan sumpah palsu, berpegang teguh pada prinsip sukarela, dan bersih dari unsur riba.    Kata Kunci: Ekonomi Islam, Epistemologi, Afzalur Rahman   ANALYSIS OF FAZLUR RAHMAN’S CONCEPT ON THE EPISTEMOLOGY OF ISLAMIC ECONOMICAbstractThis goal of this article is analysing Afzalur Rahman’s concept on Islamic economic. As an object of study, Islamic economic should have three aspects of knowledge: ontology, epistemology and axiology. There are ten basis of Islamic economic: theology, maslahah, justice, leadership, brotherhood, productivity and performance, ownership, freedom, responsibility, social security, and prophethood. The goals of Islamic economic are: achievement of economic growth, social welfare, and fair economic distributions. In addition, there are Islamic business ethics: honesty, kindness, never makes false oath, voluntair, and free of usury.    Keywords: Islamic Economics, Epistemology, Afzalur Rahman
ANALISIS PENGARUH IMPLEMENTASI CSR TERHADAP KESEJAHTERAAN SOSIAL DI BMT HARAPAN UMAT KUDUS Farida, Farida
IQTISHADIA Vol 7, No 2 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i2.1094

Abstract

Tujuan penelitian ini adalah untuk menganalisis dan menguji secara empiris mengenai pengaruh  corporate social responsibility goal, corporate social issue, corporate relation  program  terhadap kesejahteraan masyarakat. Penelitian ini menggunakan pendekatan  kuantitatif dan teknik  pengambilan  sampel  yang digunakan  adalah Simple  Random Sampling.  Sampel  yang diambil dalam  penelitian ini adalah sejumlah 162 orang masyarakat Kudus. Metode analisis data dengan menggunakan metode analisis regresi berganda. Dari hasil penelitian  dan analisis yang telah dilakukan dapat diketahui bahwa pertama, terdapat pengaruh yang signifikan antara Corporate Social Responsibility Goal  (X1)  terhadap kesejahteraan masyarakat. Kedua,  tidak terdapat pengaruh yang signifikan antara Corporate Social Issue (X2) terhadap kesejahteraan masyarakat  (Y). Ketiga, terdapat pengaruh  yang  signifikan  antara Corporate Relation  Program (X3) terhadap kesejahteraan masyarakat (Y).Kata Kunci: Kesejahteraan, Corporate, Social Responsibility.ANALYSIS OF  THE INFLUENCE  OF CSR IMPLEMENTATION TOWARD SOCIAL WELFARE IN BMT HARAPAN UMAT KUDUS .  The  goals  of this  article  is  analyzing and examining  the  influence of corporate  social responsibility goal, corporate  social  issue,  and corporate relation program  toward social welfare. This study uses quantitative  approach with simple random  sampling. Sample consists of 162 residents of Kudus. Data are analyzed  using multiple  regression method.  Result shows that corporate social responsibility goal and corporate relation program have  significant influence toward  social welfare while  corporate relation program has no significant influence toward social welfare.Keywords:  Welfare, Corporate, Social Responsibility.
KONSEP DAN PERAN STRATEGIS EKONOMI SYARIAH TERHADAP ISU KEMISKINAN Yuliyani, Yuliyani
IQTISHADIA Vol 8, No 1 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i1.1085

Abstract

Artikel ini membahas tentang konsep dan strategi ekonomi syariah dalam mengentaskan kemiskinan sebagai respon terhadap kemapanan sistem ekonomi  konvensional  yang dinilai  sebagai sistem ekonomi yang tidak mengakomodir  serta   mengabaikan    prinsip-prinsip dan nilai-nilai luhur keadilan  dan kesejahteraan  sosial daripada kesejahteraan individu. Ekonomi syariah hadir membawa harapan baru di tengah semakin  berkurangnya  percayaan terhadap sistem ekonomi konvensional yang dinilai telah gagal dalam menciptakan kemakmuran, melainkan semakin bertambahnya angka kemiskinan yang disebabkan inflasi. Penelitian kepustakaan  (library research) ini bertujuan untuk mengkaji konsep ekonomi syariah, sistem, prinsip dan perannya dalam  mengentas isu kemiskinan, dengan menggunakan metode  deskriptif-analitis,    pendekatan normatif-ekonomi    dan sosiologi. Hasil penelitian menunjukkan bahwa rekam jejak ekonomi syariah dinilai terbukti telah mampu melewati krisis ekonomi global dan berperan strategis dalam upaya pengentasan kemiskinan.Kata Kunci: Ekonomi, Kemiskinan, KeadilanCONCEPT AND STRATEGIC ROLE OF ISLAMIC ECONOMY TO  OVERCOME POVERTY This  article  discusses  concept and strategy  of Islamic  economy  to overcome  poverty as response  to conventional economic system which failed to accommodate principles of justice and social welfare. Islamic economy brings new hope amid increasingly dwindling  distrust  of conventional   economic  system which was considered to have failed in creating prosperity but rather increasing poverty and causing inflation. This library research aims to examine the sharia economy concept, system, the principles and its role in poverty issues, using descriptive and analytic method, normative, economic and sociologic approach. The results of the study showed that the sharia economic has proven capable of passing through the global economic crisis and strategic role in poverty alleviation efforts.Key Words: Economy, Poverty, Justice
Mashlaha in Financing Risk Measurement in Sharia Financing Institutions Said, Salmah; Sofyan, A. Syathir; Amiruddin, Andi Muhammad Ali
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.4992

Abstract

The crisis of confidence in the credit rating agency forced Islamic financing institutions to apply risk measurement methods independently and renewed the study of credit risk measurement. Moreover, this research also discusses mashlaha (public interest) in measuring financing risk. This research uses a mixed method approach, combining quantitative methods to measure risk by utilizing CreditRisk+, and qualitative methods in analyzing mashlaha in these measurements. This study revealed that CreditRisk+ is able to measure financing risk accurately. This study also found that there is mashlaha as part of maqashid al-sharia in risk measurement, namely 1) Tahdzib al-Fard, that makes a financial institution capable of independently measuring the risk of its own financing; 2) Iqamah al-Adl, independent measurement will create information justice by comparing measurement results both internally and externally. 3) Mashlaha itself, with internal risk measurement, will reduce systemic risk. The implications of this study is the use of mashlaha in analyzing financing risk provides more stringent prudential in the measurement of financing risk.
ANALISIS FILOSOFIS, YURIDIS DAN SOSIOLOGIS TERHADAP BANK SYARIAH Supriyadi, Ahmad
IQTISHADIA Vol 6, No 2 (2013): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v6i2.1108

Abstract

Artikel  ini mengkaji  tentang  keberadaan  bank syariah dalam perspektif  filosofis, yuridis  dan sosiologis dengan menggunakan pendekatan deskriptif-qualitatif.   Bank syariah    merupakan lembaga keuangan yang mempunyai peranan penting bagi bangsa Indonesia. Semua kegiatan usaha sekarang ini selalu melibatkan pihak perbankan baik usaha kecil, menengah apalagi usaha besar. Hasil analis menunjukkan  bahwa perbankan syariah merupakan bank yang  dalam  operasionalnya  berdasarkan  prinsip-prinsip syariah baik dalam penghimpunan dana dengan prinsip wadi’ah dan mudharabah; dalam pembiayaan menggunakan prinsip jual beli murabahah, salam dan istishna; dalam mengeluarkan produk jasa bank syariah menerapkan prinsip al-wakalah, al-hiwalah, al- qardh, al-kafalah dan al-rahn.Kata kunci: bank, filosofis, yuridis, sosiologisPILOSOPHICAL, LEGAL AND SOSIOLOGICAL PERSPEC- TIVES ON SHARIA BANKING. This  article  explore  about the  existence of sharia  banking  from philosophical,   legal  and sociological perspectives  using  descriptive-qualitative   approach. Bank Syariah are financial institutions played an important role for the people of Indonesia. This day, many business activities small, shows that sharia banking applies sharia principles in its activities. In fund raising there are principles of wadi’ah and mudharabah while in finance there are mudarabah, salam and istisna, meanwhile in service there are al-wakalah,  al-hiwalah,  al-qardh, al-kafalah and al-rahn.Keywords: Bank, Philosophical, Legal, Sociological
IMPLIKASI DAN TANTANGAN LAHIRNYA UNDANG-UNDANG NO. 21 TAHUN 2008 TENTANG PERBANKAN SYARIAH Suryani, Suryani
IQTISHADIA Vol 8, No 2 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i2.963

Abstract

Artikel ini mengkaji tentang sejarah lahirnya Undang-Undang No 21/2008 yang memberikan landasan hukum bagi keberadaan lembaga perbankan syariah. Pendekatan yang dipergunakan dalam kajian ini adalah pendekatan sejarah dengan tujuan untuk memahami latar belakang lahirnya UU perbankan syariah dan implikasi yang timbul dari peraturan tersebut. Sebagai penelitian sejarah, artikel ini diharapkan tidak hanya sekedar memberikan gambaran sejarah semata. Akan tetapi sebagaimana penelitian sejarah lainnya, penelitian ini juga bertujuan untuk mengkaji bagaiman peluang dan tantangan masa depan perbankan syariah di Indonesia. Banyak faktor  akan mempengaruhi percepatan pengembangan perbankan syariah di masa depan. Salah satu faktor yang sangat penting adalah faktor hukum. Jadi setelah dikeluarkan Undang-Undang 21 Tahun 2008 tentang perbankan syariah, menjadi jelas bahwa perbankan Islam telah diakui oleh hukum positif di Indonesia.Kata kunci: perbankan syariah, regulasi, hukum Islam IMPACT AND CHALLENGE OF ISLAMIC BANKING AFTER THE LAW No21/2008AbstractThis article discusses about historical background of the Law No 21/2008 which provides legal basis for the establishment of Islamic banking. Historical approach is chosen in order to get a better understanding of the background of the Law and its implications. As a historical study, this article aimed at finding chances and challenges for the future of Islamic banking in Indonesia. There are several factors contribute to the development of Islamic banking in Indonesia, among those is law. Therefore, the enactment of the Law No 21/2008 proves the status of Islamic banking as legal.Keywords: Islamic banking, regulation, Islamic law.

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