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Sheema Haseena Armina
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sheemahaseenaarmina@unida.gontor.ac.id
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iej@unida.gontor.ac.id
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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 5 Documents
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Search results for , issue "Vol. 2 No. 2 (2014)" : 5 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.
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.
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.
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.

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