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Sheema Haseena Armina
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Department of Islamic Economics Jl. Raya Siman, Demangan - Siman - Ponorogo - Jawa Timur, 63471 Telp/HP. +62 812 35797925 Email: iej@unida.gontor.ac.id URL: https://ejournal.unida.gontor.ac.id/index.php/JEI
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INDONESIA
Islamic Ecomonics Journal
Published by Universitas Darussalam Gontor
ISSN : 24601896     EISSN : 25415573     DOI : -
Core Subject : Economy, Humanities, Science, Social,
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
Islamic Economics Journal (IEJ) is a national peer-reviewed and open access journal that publishes research papers encompasses all aspects of contemporary Islamic economics issues. This journal emphasizes specifications in the discourse of Islamic Public Economics, Islamic Monetery Economics, Islamic Business Economics, Islamic International Economics and Islamic Development Economics. This journal openly accepts the contributions of experts from related disciplines. All published articles do not necessarily represent the views of journals, or other institutions that have links to journal publications. This journal is intended to communicate the original researches and current issues on the subject. This journal warmly welcomes any contributions from scholars of the related issues.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
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Search results for , issue "Vol 2, No 2 (2014)" : 9 Documents clear
ANALYSIS OF FINANCIAL STATEMENT BY CAEL AND MANAGEMENT FACTORS METHOD (Case Study at La Tansa BMT Gontor on Period October-December 2012) Syahruddin Syahruddin; Muhammad Qoshid al hadi
Islamic Economics Journal Vol 2, No 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (484.542 KB) | DOI: 10.21111/iej.v2i2.169

Abstract

The collapse of several banks at crisis 1997-1998 makes them closed. But those conditions didn’t occur to Islamic banks because Islamic principles had proven to be able to face the recess. Meanwhile, the established banks are not capable yet to reach SMEs. This opportunity encourages the establishment of non-bank Islamic financial institution, such as BaitulMaalwaTamwil (BMT). As the preventive action of crisis 1997-1998, Bank of Indonesia ruled the regulation of the measurement of financial institution health level, as for BMT. This paper aims for analyzing financial report by using CAEL and management factors in measuring financial health level. Based on the good ratio, then as a whole the measurement of health level of BMT La TansaGontor on October – December 2012 is very health from the performance side and management side.
ANALISIS PEMAHAMAN NASABAH BNI SYARIAH TENTANG KE‘SYARIAH’AN BNI SYARIAH (Studi Kasus BNI Syariah Godean, Sleman, Yogyakarta) Shofa Rabbani
Islamic Economics Journal Vol 2, No 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (527.001 KB) | DOI: 10.21111/iej.v2i2.174

Abstract

Islamic banking must be based on the principles of Islamic economics framework in accordance with Islamic law. Islam forbids usury and interest, but Islam has permitted profit and loss sharing. This research aims to analyze the influence of the level of people’s understanding toward Islamic banking, usury, interest and profit and loss sharing, and to analyze the relationship of Islamic Bank Customer Savers which are also Conventional Bank Customer Savers. This research involved 51 respondents, all of whom are based on customers of BNI Sharia. The result of the study showed that the level of people’s understanding toward Islamic banking is still relatively low. Their perception of how sharia Islamic banks, usury, interest, and the profit and loss sharing are varies, most of them still do not understand and know these terms. On the other side, the relationship between Islamic Bank Customer Savers which are also Conventional Bank Customer Savers and employment status and education level is closely associated. This has an impact on the public interest to save or take financing in Islamic banks is also lower. Islamic banks which supposed to be a prominent choice for the Muslim community is still inferior to conventional bank dominance. Thus, they need to evaluade themselves forward in order to increase the number of customers. Socialization is not only done by banking practitioners in banking settings, but it may be given by dai / khatib / preachers in mosques, formal and informal meetings.
PENGARUH RESIKO FINANSIAL DAN RISIKO OPERASI TERHADAP BETA SAHAM SYARIAH DAN BETA SAHAM KONVENSIONAL (Studi pada Saham Manufaktur yang terdaftar dalam Bursa Efek Indonesia) Wardani, Kingkin
Jurnal Ekonomi Islam Vol 2, No 2 (2014)
Publisher : Universitas Darrussalam Gontor

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Abstract

The purpose of this research is to determine the differences of systematic risk and financial risk between Islamic shares and conventional shares are listed in Indonesia Stock Exchange (BEI). The second purpose is to determine the effect of financial risk and operating risk to beta of the Islamic shares and conventional shares listed in Indonesia Stock Exchange (BEI). This study uses two methods to test the research hypothesis. The first method is the difference test (independent t-test and Mann Whitney test) in order to examine average of systematic risk (beta) and the average financial risk between Islamic shares and conventional shares. The second method is multiple regression that used to determine the effect of financial risk and operating risk to the systematics risk (beta) of Islamic shares and conventional shares. The sample in this research are listed shares on the Indonesia Stock Exchange (BEI) in the manufacturing industry. Study sample amounted to 50 shares for one period (2008-2011). Fiftieth of the sample are eliminated because the data not eligible. After elimination of the number of observations become 151 observation. The results of this study indicate : (1) based on Independent t-test, the beta value of the Islamic shares not significantly smaller than conventional beta stocks. (2) Based on t-test show that financial risk have a positive effect and significant to the beta of Islamic shares and conventional shares, while the operating not affecting the beta of Islamic shares and conventional shares. (3) Based on Mann-Whitney test, the financial risk of Islamic share smaller and significant than the financial risk of a conventional shares.
ANALISIS PRODUK NON SAVING DI ASURANSI SYARI’AH Abdul Latif
Islamic Economics Journal Vol 2, No 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (879.895 KB) | DOI: 10.21111/iej.v2i2.175

Abstract

This paper studies about the concept of Islamic insurance, its development, its funding mechanism and how hibah being a base contract of tabarru’. As long as the insurance institution to be unknown in Islamic history, there are many Islamic literatures concluding that insurance institution is prohibited. However, even there is no any institution like insurance company, but there are some activities performed by Rasulullah SAW related to insurance’s principles, such as togetherness responsibility called aqilah. This system has developed in Arabian society before the birth of Rasulullah SAW. Unless the facts that many problems appeared in the practice of nowadays insurance company which trespass and disturb the rule of Islamic law, which is necessary to be solved, such non saving product that many disruption happened to it and than need to be corrected. For the sake of this matter, the data for the research was needed.
ANALISIS PEMBERDAYAAN MASYARAKAT MUSLIM MISKIN MELALUI QARDUL HASAN (Studi kasus Program Baitul Maal BMT Beringharjo Yogyakarta Tahun 2013) Hardi, Eja Armaz
Jurnal Ekonomi Islam Vol 2, No 2 (2014)
Publisher : Universitas Darrussalam Gontor

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Abstract

The issue of poverty is still a important case in Indonesia. Various programs held to decrease the number of poverty. One of these programs is qardhul hasan. Baitul Maal (BM) Baitul Maal wa Tamwil (BMT) Beringharjo conduct the empowerment of muslim society by qardhul hasan program called Sahabat Ikhtiar Mandiri (SIM) which utilize funds from Zakat, Infaq, Sedekah dan Wakaf (ZISWA). This research aims to analyze the variables which supposed affecting the success of this program to increase the customer’s oncome and to analyze their income and shadaqa before and after following this program. This research used four independent variables; duration of program, mentoring quality, duration of office hour and shadaqa. It also used a dependent variable; it is the increase of income. At independent variable ‘mentoring quality’, the researcher used seven parameters, they are new perception of customer, solemnity, openness of BM, reminding, motivating customer’s business, soving their problems and create a new business. From the test result of F analysis, it is explainable that four independent variables could be used to predict the dependent variable (increase of income), whereas the test result from t analysis indicated that the variable X3 (duration of office hour) has a significance influence to the increase of customer’s income. For others three variables, they have no influence to their income. One of mentoring quality variable (X2) which has an influence to it is the openness to the customer. From the result of paired samples t test, it indicated that there is a different income and shadaqa of the customer before and after following this program.
MEKANISME PENANGGULANGAN PEMBIAYAAN BERMASALAH PADA AKAD MURABAHAH Mulyono Jamal; Ayu Ruqoyah
Islamic Economics Journal Vol 2, No 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.826 KB) | DOI: 10.21111/iej.v2i2.176

Abstract

The rise of Islamic economic has established the development of Islamic banking. This indicates that Islamic banking could be competitive with conventional banking. One difference between both banking systems is in lending operation. In conventional bank known as credit, while in Islamic bank known as financing. For certain, financing procedures in Islamic banking refer to Qur’an and Sunnah. Indeed, there are also defaults in its process, because the problems occured after the process. This research aims for knowing the factors which cause the default financing and its mechanism as performed by Bank Muamalat Indonesia (BMI) branch Sragen to solve it. To reach thus aims, the researcher uses field research with deductive explorative methods. The result from this research indicates that there are two factors which cause the default financing, internal factor and external factor. Internal factor is the factor from the customers, while the external factor is the factor from other than customers, ot because of universe. But the most imminent factor at BMI is internal factor, such as the late payment because of neglect. The mechanism runs by BMI branch Sragen is monthly data collection, monitoring and controlling, so that the financing at BMI branch Sragen chategorized as stable.
A PROPOSED MODEL OF WEALTH MANAGEMENT IN INDONESIAN ISLAMIC BANKING Ismail, Nurizal; Riza, Muhammad
Jurnal Ekonomi Islam Vol 2, No 2 (2014)
Publisher : Universitas Darrussalam Gontor

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Abstract

The Muslim population is expected to increase by 26% to 2030 to approximately 2.2 billion, and currently have a 7.7% share of global GDP which is expected to grow to 8.7% by end 2016. Therefore, the need of wealth management from Islamic way is growing rapidly. Hajj is one of Islamic pillars that Muslim people should concern on it. This hajj is performed depending on the ability of person in term of health and wealth. Moreover, the government plays a major role in management and service of hajj in many Muslim countries. The hajj fund can contribute significantly to economic development of the country. One of the possible mechanisms can be used for managing the hajj fund is by using wealth management as the instrument in managing the fund. Moreover, this study will employs qualitative research that refers to the meanings, concepts, definitions, characteristics, metaphors, symbols and descriptions of the matter understudy by using content and descriptive analysis to get finding of the study. The finding of the study is that the concept of Islamic wealth management differs from Conventional one. It is very comprehensive that cover all philosophical foundation; ontology, epistemology and axiology. Semantically, it is different from the Conventional, because Islamic wealth management has its own paradigm and philosophical underpinning, derived from Qur’an and Sunnah, and secondary source can traced through Islamic literatures such fiqh, tasawwuf, kalam. In practice level, it can be implemented in Indonesian Islamic banking especially in managing the hajj fund to contribute to economic development of ummah.
MEKANISME PEMBIAYAAN MUDHARABAH UNTUK USAHA KECILDAN MENENGAH (UKM) (Studi Kasus di Koperasi Jasa Keuangan Syariah (KJKS) Mitra Amanah Sejahtera Semarang Tahun 2011-2012) Achmad Fajaruddin; Aulia Ulfa Nurfitriyani
Islamic Economics Journal Vol 2, No 2 (2014)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (559.698 KB) | DOI: 10.21111/iej.v2i2.177

Abstract

Empowerment of SMEs is a strategic step to improve and strength the basis of economic life for most of Indonesian people. During its development, SMEs are still having problems, especially in a capital. To overcome this finance obstacle, it is necessary to improve and develop some access-financing sources. One of them is to activate a cooperative enterprise. ICE of Mitra Amanah Sejahtera is an Islamic financial institution that given a financing provision based on mudharabah system. In this research, the researcher discusses about the mechanism of mudharabah financing conducted by ICE of Mitra Amanah Sejahtera for SMEs. In addition, the researcher continues her research on respondent perceptions toward mudharabah financing. Furthermore, this research was continuing by compare their prior revenue and after engaging into mudharabah financing. This research includes a case study, which used a phenomenological approach. The population in this research was all of SMEs that obtained the mudharabah financing at ICE of Mitra Amanah Sejahtera, amounting to 1500 customers and by slovin formula there are 94 data as a sample. The research comes with a result that the mechanism of mudharabah financing from ICE of Mitra Amanah Sejahtera used the principle to provide a maximum funding on Rp. 1 million, with no collateral and based on trusty principles. In general, mudharabah system that has been undertaken by this cooperative can provide some benefits for its members. Their perceptions toward mudharabah financing at ICE of Mitra Amanah Sejahtera were as follow: these are some benefits that perceived the borrowers (82.98%), there is a significant influence on business development (83.30%), respondent satisfied toward mudharabah mechanism (79.79%), an easy administration (77.66%) and respondent satisfied toward mudharabah contract (81.92%). From paired test result, there is significant difference between the prior revenue and after engaging into financing. Thus, can be seen from small and medium enterprises’ prior revenues and after engaging into mudharabah financing with average revenue of Rp. 261.968. Based on this research, the researcher prefers to suggest the ICE of Mitra Amanah Sejahtera to maintain the mechanism of mudharabah financing, especially in order to develop a micro-economic life from it capital difficulties.
KEPUTUSAN MEMBELI DI TOKO BAITUL MUSLIM AS-SIDIQ YOGYAKARTA (Analisis Segmen Pasar Demografis, Psikografis dan Benefit) majidah, Siti
Jurnal Ekonomi Islam Vol 2, No 2 (2014)
Publisher : Universitas Darrussalam Gontor

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Abstract

Muslim clothes have become the prime need (dharuriyyat) in muslim society. It is as ordered by Allah SWT in Al-Qur’an and As-Sunnah. However, there are still many muslims who buy the muslim clothes not for trend rather than practicing their religious teachings. In order to answer that doubt, the researcher initiates to do a research in the decision to buy at Baitul Muslim As-Sidiq store at Yogyakarta. This research aims to analyze demographic, benefit (maslahah) and psychographic market shareand its influence to the decision to buy at Baitul Muslim As-Sidiq 2012. Furthermore, this research aims to analyze and know the difference of the proportion of bought-product types based on psychographic and benefit (maslahah) market share. This research uses field research method with the determination of research object by descriptive analysis method which gives the description of research object through data sample that represent needed population. The result from this research indicates that at psychographic and decision-to-buy market share, majority of respondents agree that to wear muslim clothes is part of their lifestyle and they also agree that the models of clothes sold at Baitul Muslim As-Sidiq is suitable with modern lifestyle. It is reinforced by their willingness to allocate a few of their budget for buying muslim clothes. All respondents, whether males or females, agree that wearing muslim clothes is part of da’wah Islamiyyah. They also agree that wearing muslim clothes takes a part in maintaining the honor of themselves, their religion and their family. Furthermore, this research indicates that there is no significant difference in shopping muslim clothes and equipment between males and females according to psychographic market share. In the same time, there is no significant difference also in shopping muslim clothes and equipment between both categories according to benefit market share.

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