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INDONESIA
IQTISHADIA
ISSN : 19790724     EISSN : 25023993     DOI : -
Core Subject : Economy,
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.
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Articles 400 Documents
The Other Side of Zakat in Poverty Reduction: A Phenomenology Study Arif Widyatama; Andi Sabirin Baso; Fathiatul Haq
IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i1.5993

Abstract

This study aims to understand the phenomenon of zakat given to Mustahiq. The Mustahiq uses the zakat to increase income through business development so that it can reduce poverty. The research method used is qualitative using a phenomenology approach. This study interviewed three informants who received zakat. The results of this study reveal that zakat has a different spiritual value from taxes. When zakat is distibuted, it can increase the income of the grantees. BAZNAS management system must be carried out in a professional, transparent and accountable manner and aims at eradicating poverty and unemployment in Palu with a cultural approach based on faith. Besides, it helps the poor in community. One of the goals is to create some of muzakki and awareness of helping each other. 
Studi Komparasi Kinerja Bank Perkreditan Rakyat (BPR) Syariah dan Konvensional di Sumatera Barat Masyhuri Hamidi
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2318

Abstract

Rural Banks (BPR) have an important role in supporting the Indonesian economy through the provision of financial access to the society and micro, small and medium enterprises. Indonesia has implemented a dual-banking system as its banking system - Islamic banking and conventional banking systems - and BPR are possible to select each of the system to be implemented. In the rapid development of the financial industry Islamic and conventional BPR must be able to compete with other financial institutions like non-bank financing companies. So that, there is an importance to examine the success factor of BPR with the different systems in order to strengthen their position in its industry. This study aims to examine the factors that determines the performance of rural banks (BPR) and make a comparison between the BPR with Islamic and conventional systems in the West Sumatra province. To test the performance of rural banks various financial ratios based on the CAMEL framework are used, including ratio of Capital Adequacy, Asset Quality, Management, Earnings and Liquidity. The method used is quantitative method by using one-way ANOVA and Multiple Linear Regression to the panel data of Islamic and conventional BPR in 2011-2015 period. The results show that there are differences in the factors that determines the performance of Islamic and Conventional BPR.Bank Perkreditan Rakyat (BPR) memiliki peran penting dalam mendukung perekonomian Indonesia melalui penyediaan akses keuangan untuk masyarakat ekonomi lemah dan usaha mikro, kecil dan menengah. Indonesia telah mengimplementasikan dual-banking system sebagai sistem perbankannya yaitu sistem perbankan syariah dan sistem perbankan konvensional dan BPR juga dimungkinkan untuk memilih masing-masing sistem tersebut. Ditengah pesatnya perkembangan industri keuangan saat ini BPR syariah dan konvensional harus mampu bertahan dari persaingan yang diberikan lembaga keuangan lainnya seperti perusahaan pembiayaan non-bank. Untuk itu perlu diketahui apa saja faktor yang menjadi penentu kesuksesan BPR dan bagaimana perbedaan karakteristik yang menjadi penentu kesuksesan BPR dengan sistem yang berbeda tersebut. Penelitian ini bertujuan untuk menguji faktor-faktor yang menjadi penentu kinerja bank perkreditan rakyat (BPR) serta melakukan komparasi antara BPR dengan sistem syariah dan konvensional di Provinsi Sumatera Barat. Untuk menguji kinerja BPR tersebut digunakan berbagai rasio keuangan berdasarkan framework CAMEL yang meliputi rasio Capital Adequacy, Asset Quality, Management, Earnings dan Liquidity. Metode penelitian yang digunakan adalah metode kuantitatif dengan menggunakan one-way ANOVA dan Multiple Linear Regression terhadap data panel dari BPR syariah dan BPR konvensional di Provinsi Sumatera Barat dalam rentang waktu 2011-2015. Hasil analisis memperlihatkan bahwa terdapat perbedaan faktor-faktor yang menjadi penentu kinerja BPR Syariah dan BPR Konvensional.
MANAJEMEN PENGELOLAAN ZAKAT PRODUKTIF DALAM PERSPEKTIF BANK ISLAM Agus Riyadi
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.v7i2.1093

Abstract

Tulisan ini menganalisis tentang peluang pengelolaan zakat melalui bank syariah. Zakat produktif disadari memiliki peranan penting dalam  mengentaskan kemiskinan  dari pada zakat konsumtif. Argument tulisan ini adalah bahwa zakat produtif akan lebih efektij jika dikelola oleh bank syariah. Sebagai institusi berbasis Islam, bank syariah bisa mengelola dana zakat dengan produk bank yang bebas riba. Lembaga dan organisasi perbankan syariah yang sehat  akan mampu mengelola  zakat secara professional. Proses pengelolaan  zakat produktif  bisa dilakukan dengan tiga cara: penerima  zakat menjadi kreditur dan debitur  sekaligus; transaksi dicatat dalam sistem bagi hasil; zakat diserahkan secara penuh.Kata Kunci: Menejemen, Zakat, Perbankan.MANAGEMENT  OF   PRODUCTIVE ZAKAT  IN   THE PERSPECTIVE OF ISLAMIC BANKING. This article analyzes the probability of zakat management by sharia banking. Productive Zakat considered having  a big  role in alleviating poverty than consumptive zakat. This article argues that it will be more effective if administered by Islam banking. Islam banking as an economic missionary institution can manage  productive  zakat through banking products free of usury. Moreover, a good organization and balance of Islamic banking makes it potential to manage zakat professionally. The management process of productive zakat  can be done by three alternatives; the recipient of zakat at the same time serves as creditor as well as debtor, creditor clients are included in the transaction of profit share, or that the zakat of debtor under the bank assistance is fully given.Keywords: Management, Zakat, Banking.
The Factor of Intention to Buy Snacks Labeled Halal on Muslim Students in Yogyakarta Riyanto Efendi
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.v12i2.5113

Abstract

In the industrial era 4.0 as it is now making the food industry increasingly diverse and easy to reach all walks of life. Food consumed by the community must be good and healthy because every time it is circulated it does not necessarily make it healthy and does not have a halal label. That way, the Muslim community certainly must choose foods that are good, healthy, and halal for consumption. So the purpose of this study was to determine the effect of subjective norms, perceptions of behavioral control, and religion on the intention to buy halal labeled snacks for Muslim students. Methodology This study was a quantitative study involving 174 students taken with the Snowball Sampling technique. Methods of multiple linear regression data analysis using SPSS Version 20. The results of the study are as follows: (1). Subjective norms have a positive and significant effect on the intention to buy snacks for Muslim students, (2). The perceived behavioral control has a positive and significant effect on the intention to buy snacks for Muslim students, (3). Reliability has a positive and significant effect on the intention to buy snacks for Muslim students, (4). Subjective norms, perceptions of control, and Religiosity jointly influence the intention to buy snacks products labeled halal 36.8%.
KONFLIK PEKERJA-KELUARGA DAN PENGARUHNYA TERHADAP KINERJA PEGAWAI (Studi Kasus Rumah Sakit Berbasis Islam di Surakarta) Eko Sugiyanto; Zulfa Irawati; Sri Padmantyo
IQTISHADIA Vol 9, No 1 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i1.948

Abstract

Studi ini bertujuan untuk menganalisis: (1) ciri-ciri orang bekerja-konflik keluarga (WFC) di Rumah Sakit berbasis Islam di Surakarta, (2) penyebab bekerja-konflik keluarga (WFC) di Rumah Sakit berbasis Islam di Surakarta. Lokasi research di Rumah Sakit Islam YARSIS Surakarta (YARSIS rumah sakit Islam) dan Rumah Sakit Muhammadiyah PKU Surakarta (PKU Rumah Sakit Muhammadiyah). Studi ini menggunakan pendekatan kualitatif-deskripstif dan informan dipilih dengan sengaja. Teknik Pengumpulan Data termasuk wawancara, kuesioner terbuka, dan dokumentasi. Subyek penelitian ini adalah orang-orang yang memiliki pengalaman bekerja lebih dari 10 tahun di rumah sakit, telah menikah dan mempunyai anak-anak. Hasil yang diperoleh dari studi ini menyatakan bahwa ada delapan kategori konflik keluarga-pekerjaan (WFC). Diantaranya adalah konflik bekerja-tanggungjawab keluarga, obsesi kerja, waktu kerja atas dan kebersamaan keluarga, konflik pekerjaan rumah tangga, pekerjaan dan kehidupan keluarga, memikirkan tentang keluarga selama bekerja, konflik- mengejar karir dan rumah tangga, dan komunikasi keluarga. Hasil yang diperoleh menunjukkan bahwa ada satu kategori yang penting untuk konflik pekerjaan- keluarga, yaitu kelelahan fisik.Kata Kunci: Konflik Keluarga-Kerja, Konflik Berbasis Waktu, Konflik Berbasis Ketegangan, Konflik Berbasis Perilaku WORK-FAMILY CONFLICT AND ITS INFLUENCE ON THE PERFORMANCE OF WORKERS(Case Study of Islamic based Hospitals in Surakarta) AbstractThis study aimed to identify: (1) the characteristic of work-family conflict (WFC) in Islamic based Hospital at Surakarta, (2) the cause of work-family conflict (WFC) in Islamic based Hospital at Surakarta. The locations of research are Rumah Sakit Islam YARSIS Surakarta (YARSIS Islamic hospital) and Rumah Sakit PKU Muhammadiyah Surakarta (PKU Muhammadiyah hospital). This study uses descriptive-qualitative approach and informants are choosen purposively. Data collection techniques include interviews, open-questionaire, and documentation. Subjects of this study are those who have working experience more than 10 years at hospital, have married and have children. Result obtained from this study states that there are eight categories of work-family conflict (WFC).They are: conflict of working-family responsibility, obsession of work, working-time over family-time, conflict of household-work, family live-work, thinking about family during working, conflict of household- pursuing carreer, and family communication. Result obtained shows that there is one category that significant to work-family conflict, that is physical fatigue. Keyword: Work-Family Conflict, Time Based Conflict, Strained-Based Conflict, Behavior-Based Conflict. 
EVALUATING THE EFFECTIVENESS OF DUAL MONETARY POLICY IN PROMOTING PRICE STABILITY IN INDONESIA Arif Widodo
IQTISHADIA Vol 10, No 2 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i2.2378

Abstract

Sejak diberlakukannya sistem perbankan ganda di Indonesia tahun 1998, Bank Indonesiamempunyai mandate baru untuk mengaturperbankan konvensional dan Islam di Indonesiadengan memberlakukan kebijakan moneter gandauntuk mencapai dan menjaga tujuan utama BankIndonesia: Stabilitas harga. Dengan merekonstruksi model konseptual yang didasarkan pada Ascarya (2011), tulisan ini ditujukan untuk menguji secaraempiris apakah penerapan kebijakan moneter gandaefektif untuk memastikan stabilitas harga yangtercermin dari inflasi yang rendah dan nilai tukaryang stabil. Metode yang digunakan dalam tulisanini adalah Vector Autoregressions (VAR) Model untukmemberikan gambaran atas respon inflasi terhadapguncangan yang berasal dari kedua intrumenmoneter tersebut. Hasil dari studi ini menunjukkan bahwa kebijakan moneter konvensional secara umum—ketika dibandingkan dengan kebijakanmoneter Islam—membuat ketidakstabilan padatingkat harga disebabkan penerapan sistem uang kertas selama ini yang sangat rentan terhadapkrisis, sebagai konsekuensinya akan meningkatkantingkat harga. lebih lanjut, sistem hutang, pasaruang antar bank dan fractional reserve banking yangsemuanya sangat bergantung pada sistem bungatelah menyebabkan gejolak pada tingkat harga diIndonesia. Sebaliknya, gunjangan dari kebijakanmoneter Islam terbukti mampu menodorongkestabilan harga karena semua instumen tersebutmampu menekan gejolak yang terjadi pada inflasi.
Faktor-Faktor Yang Mempengaruhi Tingkat Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) Di Aceh Muhammad Yasir Yusuf; Wan Sri Mahriana
IQTISHADIA Vol 9, No 2 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i2.1731

Abstract

Hijrah Intention And Type Of Customer Loyalty of Islamic Banks In Indonesia Fetria Eka Yudiana; Hadri Kusuma; Ibnu Qiyam
IQTISHADIA Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.10440

Abstract

The purpose of this research is to investigate the influence of hijrah intention on customer loyalty in Islamic banks including the type of loyalty based on attitude and behavior. In this research, Islamic banks customers in Indonesia were used as the population, and 360 questionnaires were distributed using the convenience sampling technique. The research hypothesis was tested using Structural Equation Model (SEM) with PLS. All the indicators for the variables of interest were reflective and adapted from some previous literature. The data in this research met the requirements for convergent and discriminant validity and the results showed that hijrah intention had a direct effect on attitude and behavioral loyalty. Furthermore, the hijrah intention provides a stronger influence for attitude loyalty than behavioral loyalty. The results of this research show that the majority of Islamic bank customers were classified as latent loyal.
ANALISIS STRATEGI SIDO MUNCUL DALAM MENGHASILKAN ENERGI KEHIDUPAN Muhammad Husni Mubarok
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.v8i1.1084

Abstract

Artikel  ini bertujuan menganalisis strategi  pertumbuhan   Sido Muncul  yang berkelanjutan di pasar kompetitif. Ruang lingkup penelitian ini adalah  strategi perusahaan, persaingan bisnis, dan pemasaran  strategi  internasional. Penelitian  ini menggunakan jenis penelitian deskriptif-kualitatif, yaitu berupaya menggali data seteliti mungkin melalui observasi, wawancara  dan dokumentasi. Hasil   penelitian    menunjukkan  bahwa Sido   Muncul telah bekerja sama dengan  orang-orang di sekitar mereka, termasuk petani,  para pedagang ,  dan orang-orang pengusaha  kecil yang menyiapkan dan menjual jamu. Mereka inilah sumber kekuatan dan motor penggerak laju perkembangan  Sido Muncul.  Hasil penelitian  menunjukkan bahwa Sido  Muncul menggunakan strategi pengeluaran  produk yang  beragam,  mengembangkan usaha industri  farmasi melalui PT Berlico Mulia  Farma. Sido Muncul menguatkan  konsolidasi perusahaannya, meningkatkan kapasitas produksi, memperluas jaringan distribusi dan merambah industri farmasi.  Lingkup kegiatan  perusahaan  Sido Muncul meliputi produksi obat herbal tradisional  dan industri farmasi, perdagangan, transportasi darat, jasa, dan pertanian.Kata Kunci: Strategi, Energi, Pertumbuhan.ANALYSIS OF SIDO MUNCUL’S STRATEGY  OF THE ENERGY OF LIFE.This study aims to analyze the strategy of sustainability of Sido Muncul in competitive market.  The scope of this study includes   corporate   strategy,  business competition, marketing and international strategy. This  research uses descriptive- qualitative approach and data are collected through  observation, interview and documentation. The results show that Sido Muncul have accomplished also owed to the hard work of the people around them, including farmers, street hawkers, and small enterpreneur selling herbs. They are Sido Muncul sources of energy supporting the growth. They are the energy of life and engine to achieve sustainable growth. Sido Muncul uses diversity product strategy by expansing to the pharmaceutical industry through the acquisition of PT Berlico Mulia Farma. Sido Muncul  is also consolidating their organization, doubling their production capacity, expanding network distributions and entering pharmaceutical  industry. The company’s businesses cover traditional herbal medicine, pharmaceutical industry, trade, land transportation, service and agriculture.Keywords: Strategy, Energy, Growth.
The Characteristics of Responses to Smart City Device Usage, Maqasid Shariah (The Objective of Shariah) Perspective: The Case of Kota Depok, West Java, Indonesia Dodik Siswantoro
IQTISHADIA Vol 12, No 1 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i1.4571

Abstract

The research aims to analyze the characteristics of smart city device usage from maqasid shariah perspective. The smart city device was developed to support users to fulfill their needs which actually relates to maqasid shariah. Therefore, the higher rate of smart city device usage will increase the quality of life. This includes such factors that make people use this device. This research employs the quantitative method based on the questionnaires distributed to the people of Kota Depok, Indonesia. This device is supposed to increase the activity level of smart city. In fact, only few people use smart city device for their needs and purposes. The benefit of the device is a significant factor to use the smart city device. In addition, not all maqasid shariah aspects covered in the smart city device of Kota Depok.