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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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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 7 Documents
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Search results for , issue "Vol 6, No 1 (2020)" : 7 Documents clear
تنفيذ إدارة وقف النقدي (دراسة حالة في وحدة المعاونة والجمع لأموال الزكاة والإنفاق والصدقة والوقف بيت المال هداية الله بماديون عام 2019- 2020 م) Aqif Khilmia
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (266.627 KB) | DOI: 10.21111/iej.v6i1.4516

Abstract

Waqf is one of the financial instruments that have an important position in Islamic civilization. Aside from being a source of funding for social, educational, and health activities, waqf can be used as alternatives for strengthening the community's economy. The potential of cash waqf in Indonesia every month is around 5.725 trillion rupiahs, assuming that all 229 million Indonesian Muslims donate 25 thousand rupiahs. To achieve optimal cash waqf management, it is necessary to have management in the cash waqf management agency so that the potential for cash waqf can be used optimally for the benefit of people. The purpose of this study is to determine the implementation of cash waqf management, in particular, the collection and distribution of cash waqf funds in the Assistance Unit for Baitul Maal Hidayatullah (UPP BMH) Madiun. This type of research is exploratory qualitative research. Data collection is done through observation, interviews, and study documentation. As for analysis, this study uses inductive analysis, deductive analysis, and content analysis to describe the research object. The results of the study explain that the implementation of cash waqf management in UPP BMH Madiun is managed by applying four management concepts which include Planning, Organizing, Actuating, and Controlling in collecting funds cash waqf. In the collection of waqf funds, Planning is in the form of periodic planning, namely annual, monthly, weekly, and housing and certain times. As for the aspect, it is Organizing carried out through the division of the Institution structure consisting of the chairman, HR and finance division, and fundraising. While actuating, it is carried out thoroughly in all divisions. The last aspect is Controlling which is directly under the supervision of the head of the institution assisted by the human resources and finance department. As for the distribution using the POAC method and adapted to what is needed by Madiun community, such as land acquisition, educational scholarship for a student of Tahfidz, construction of ablution places in various mosques as well as providing Al-Qur'an manuscripts.
Analisis Penanganan Keluhan Terhadap Loyalitas Nasabah Pada PT. BPRS Se-Provinsi Lampung Ditta Nurhidayanti; Heni Noviarita; Erike Anggraeni
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (356.843 KB) | DOI: 10.21111/iej.v6i1.4303

Abstract

The purpose of this research is to find and analyze the handling of complaints against customer loyalty at PT. BPRS in the Province of Lampung. This research is a quantitative study with a questionnaire data collection tool that is distributed to customers of PT. SRBs in the Province of Lampung. The sample used in this study was 100 customers, with a purposive sampling data collection technique. Analysis of the data used in this study is a simple linear regression data analysis. The results found that the handling of complaints can affect customer loyalty of PT. SRBs in the Province of Lampung. The magnitude of the effect of handling complaints on loyalty is 49.3%. Therefore, to maintain customer loyalty PT. BPRS in Lampung Province can make various options such as improving service quality, increasing satisfaction, perceived value, E-Servqual and using mobile banking.
Konsep Keadilan Ekonomi Islam Dalam Sistem Ekonomi: Sebuah Kajian Konsepsional Indra Sholeh Husni
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (272.874 KB) | DOI: 10.21111/iej.v6i1.4522

Abstract

Justice is a benchmark in an economics system. In the application of the modern economic system like the capitalist economic system and the socialist economic system, there are many injustices to the people. Problems that make it unfair are, many social inequalities between communities it makes a lot of poverty or unemployment in the country. Therefore, we need an economic system that can be a solution for people’s welfare, we call with Islamic Economics System. The type of this research is library research category, it’s a research by using the literature. The writing method is descriptive qualitative by using a primary reference source and processing research materials in the library like a book, news, and others. The purpose of this research is to discuss the concept of justice and the application of justice concepts in the economic system, especially in Islamic economics. From the discussion that has been done in this research, we can conclude that the concept of justice has two contexts, both are the individual context and the social context. As the individual context, in the Muslim activity of economics, they must not hurt themself. But in the social context, every Muslim required to not fool the others. The application of the justice concept in Islamic economics system is nothing of economic inequality between one person and another person. The Islamic economics system also prohibits any kind of injustice economics like monopoly and concentration of economic power in one particular group or person. Also with the capitalist system and the socialist system which tends to not prosper the community in the country.
Efisiensi Baitul Māl wat Tamwīl (BMT) Pesantren di Indonesia Atika Rukminastiti Masrifah
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1796.917 KB) | DOI: 10.21111/iej.v6i1.4548

Abstract

Pesantren and Baitul Māl Wa Tamwīl (BMT) are not seemingly equal things to compare. The first focuses on spiritual and religious education, while the latter concentrates on the economic and financial activities. Nevertheless, Pesantrens have been considering the significance of economic development and empowerment, through a micro-finance institution. Hence, the analysis of its performance, in particular, the efficiency level is inevitable. This paper attempts to analyze the technical efficiency (including pure technical and scale efficiencies) of some Pesantren BMTs by using Data Envelopment Analysis (DEA). Additionally, this article also analyses the role of Pesantren BMTs for developing Micro-Entreprises (MEs), as well as toanalyse the roles of Pesantren BMT in ME’s wealth management. The results show that: first, generally, the efficiency of Pesantren BMTs is relatively low. Scale efficiency also indicates that operating of BMTs are still far from the optimal scale. Moreover, the average technical efficiencies (TE), scale efficiency (SE), and pure technical efficiency (PTE) of Pesantren BMTs in terms of intermediation have always been higher than those in terms of production. The possible improvements for inefficient Pesantren BMTs include increasing debitors (Y1) and total financing (Y2). They have to always been struggling to collect sizeable depositors, especially MEs, as well as total financing as their main purpose to empower them and enhance their economic development. The other possible improvements are to increase the collection (X4) and the distribution funds of ZISWAF (Y3). This result suggests that most Pesantren BMTs still focus on baitut tamwīl activities, extending financing as their main business. While the future, BMTs should play a more active role in baitul māl activities as their primary business. Second, Pesantren BMTs are useful for developing MEs and contribute a tremendous social benefit to society in several ways. Although the efficiency of BMTs is relatively low since generally, BMTs have achieved both profit and social benefit. Therefore, Islamic financing might be an appropriate model for MEs.
Konsep Fintech Lending Dalam Perspektif Maqāṣid Syarī’ah Mochamad Novi Rifai
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.919 KB) | DOI: 10.21111/iej.v6i1.4591

Abstract

The development of technology is an inevitability faced by the financial business world. The existence of technology should be able to assist people in their activities, including in financing and financial management activities, instead of becoming a trap of debt accumulation. The existence of fintech lending has simplified the process of financial transactions in a fast process via smartphone. In this study, researchers want to know the concept of maqasid shariah looking at existing fintech lending. This qualitative study used a phenomenological approach which discusses the existence of fintech lending in the perspective of the maqasid shariah. Additionally, this research obtained both primary and secondary data from websites, survey reports and research papers. The result showed that the basis of financial cooperation is mubah (permissible), it should be noted that the concept of fintech lending must be in line with the perspective of the maqasid shariah, which is preventing the badness, obtaining the optimum benefits and preventing from mudhārāt. Based on the maqasid shariah, the application of fintech lending should fit at least six requirements as follows; first, a transparent contract model agreement before the transaction, which encloses the rights and responsibilities of both parties. Additionally, the cooperation should be in line with the shariah. Second, the operator must use AI (Artificial Intelligence), and the user of capital must pass AI. Third, if the lending model is a business collaboration, then the risk of failure will require a detailed explanation. When the failure is due to force majeure, so both parties should cover the loss, and when it failure appears due to the miss management, then the user will be responsible for it. Fourth, if the lending model is a qard contract, the manager must be ready if the manager has not been able to reurn or not the qarḍ. Fifth, the problems that occur must be resolved in a dignified manner without degrading all parties. Sixth, the provider of funds or oper ators must be able to maintain the data confidentiality of funds users. Seventh, all forms of funds given must be used under their purpose and may not carry out activities against the Shariah.
Pengaruh Total Assets Dan Total Assets Turnover Terhadap Rating Sukuk Dengan Return On Assets Sebagai Variabel Intervening Studi Pada Sukuk Korporasi Di Indonesia Tahun 2016-2018 Andika Taftiyanur Rofi
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (544.37 KB) | DOI: 10.21111/iej.v6i1.4451

Abstract

Sukuk Rating is a standard that reflects the ability of Sukuk issuers and their willingness to pay principal payments according to schedule. This study aims to determine the effect of Total Assets and Total Assets Turnover on Sukuk Ratings with Return on Assets as Intervening Variables. The population of this study is all corporate Sukuk that circulated in Indonesia from 2016 to 2018. The sampling technique used was purposive sampling techniques, with a sample of 33 corporate Sukuk in Indonesia. This research uses the Partial Leats Square (PLS) approach.The results of this study prove that Total Assets have a significant negative effect on Return on Assets. Meanwhile, Total Assets Turnover has a significant positive effect on Return on Assets. Total Assets and Return on Assets partially have a significant positive effect on Sukuk rating. Meanwhile, Total Assets Turnover has no significant negative effect on Sukuk rating. The Return on Assets variable is considered capable of being an intervening variable for the effect of Total Assets and Total Assets Turnover on Sukuk ratings. Although Return on Assets shows an inconsistent mediation effect, the Return on Assets variable also shows a perfect mediating effect for the effect of Total Assets Turnover on Sukuk rating by changing the insignificant effect into a significant effect
Etika Kegiatan Produksi: Perspektif Etika Bisnis Islam Ahmad Suminto
Islamic Economics Journal Vol 6, No 1 (2020)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (296.817 KB) | DOI: 10.21111/iej.v6i1.4387

Abstract

In principle, production activities are bound to the level of Islamic moral and technical values, especially on the quality aspects of products. The values cover all activities during organizing production factors, choosing materials for production, production processes, quality assurance (quality), marketing, service and customer care. This guidance is not only for obeying the commands and prohibitions of Allah and His Messenger but also improving a better understanding throughout practising these moral values. This research uses a library research method with a descriptive-analytic qualitative approach, which explains and illustrates the object of research and then analyses it from the perspective of business ethics in Islam. The analysis technique is the content analysis method which contains the methods of induction, deduction, and comparison. This study aims to uncover the Ethics of Production in Islam: Perspective of Islamic Business Ethics with various case studies and information on events that the author gets. The results show that Muslim producers should consider two principles as an ethical foundation in production activities and to be in harmony with maqasid shariah. First: producing in halal circles, Islam firmly classifies goods (sil’ah) or commodities into two categories. The goods are called al-Qur’an with tayyibat, i.e. goods that are legally halal consumed and produced. Khaba'ith, i.e. goods that are legally haram consumed and produced. Second, the protection of natural resources without damaging the environment.

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