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Islamic Ecomonics Journal

JEI
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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 305 Documents

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Pengaruh Pembiayaan Mudarabah terhadap Pendapatan Anggota/Nasabah Royyan Ramdhani Djayusman; Achmad Nasution
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

Mudarabah is a high risk product in Sharia banking and Islamic financial institutions. However, in Baitu-t Tamwil At-Tamzis, Mudarabah becomes as a superior product. The Mudarabah financing reaches Rp 6.592.378.131,- with profit rate Rp 219.235.450,- in 2013. After researching directly at Baitu-t Tamwil At-Tamzis, its capital and its clients’ finacing increase each year. The researcher aims to know the mecanism of mudarabah financing in Baitu-t Tamwil At-Tamzis and to know the influence of mudarabah financing to its clients’ income. This research is a field research using quantitative approach. To analyze the mecanism of mudarabah in Baitu-t Tamwil At-Tamzis, the researcher used analyzing/controlling method and interview, in other words the researcher controls the situation and work procedurs in Baitut Tamwil At-Tamzis. Whereas, to analyze its influence to its clients’ income, the researcher used analyzing/controlling method, interview, and documentation, it means that the researcher controls the activities of clients and interviews them, then referrs to the existing documentation as the first basis in formulating the research. To analyze the data obtained from the controlling, interview, and documentation method, the researcher use deductive and inductive method, and for analyzing approach, he uses statistics (regression) by employing SPSS 19 to analyze the influence of mudarabah financing to clients’ income. The result of analyzing statistic data is Adjusted r 2 0,571. It means 57,1% income variation can be explained by the variation of all three indepedent variables, namely trading times, capital, and experience. Whereas, the rest (100% - 57,1%= 42,9%) was explained by other reasons beyond the research model. The result of f-count is 45,012 larger than ftable. Therefore, H 0 was rejected. In other words, the independent variables which consist of trading times, capital, and experience simultaneously influence dependent variable (clients’ income). The capital has a significant value, t-count (4,090) > t-table (1,660) with significance 0,000 < (0,05), therefore H 0 was rejected and H 1 was accepted.

Perilaku Permintaan Uang Islam: Antara Otentisitas dan Inovasi Khoirul Umam
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

In nowadays financial and monetary system, the crisis frequently occurs and becomes a part of its internal system. It indicates the fragility of financial and monetary conventional system and becomes the stimulant of a better system, namely Islamic financial and monetary system. The development of Islamic financial and monetary system demands a rapid innovation, but it should not go beyond the authenticity of Islamic system. Without innovation, the Islamic financial and monetary system will always be left behind, but without based on authenticity it will bring Islamic label on conventional system. This paper tries to discuss about the behavior of Islamic money demand, especially the state of velocity of money. The state of velocity of money is highly depended on to the ongoing money and financial concept. This paper shows that the preservation of authenticity in developing innovations in Islamic money and financial system will usher to the constant velocity of money. Otherwise, it can be concluded that the innovation of Islamic financial and money system without keeping authenticity of Islamic system can produce a different velocity state of money. Some empirical researches confirmed both results namely constant velocity so that monetary policy by targeting money supply can become effective, and there are some empiric researchers found a different result. Based on this, the development of innovations in Islamic financial and money system must be followed by the preservation of Islamic authenticity system. It demands the development of Islamic financial and money system theories which are free form any business motive intervention. Therefore, Islamic University is the most appropriate place to take the intellectual role by conducting researches and teaching the Islamic financial and monetary system.

Determinan Total Aset Bank Pembiayaan Rakyat Syariah (BPRS) di Pulau Jawa Tahun 2014 Anton Sudrajat
Islamic Economics Journal Vol. 1 No. 1 (2015)
Publisher : University of Darussalam Gontor

To create a strong BPR Sharia in Java Island needs to be supportedby significant asset growth so as to increase confidence of society to BPRSharia. The purpose of this research is to examine the influence of financing,DPK, Financing to Deposit Ratio, and Non Performing Financing to totalasset of BPR Sharia in Java Island consisting of DKI Jakarta, West Java,Banten, Central Java, D.I.Yogyakarta, and East Java. The result shows thatfinancing, Third-part fund (DPK), Financing to Deposit Ratio (FDR), andnon Performing Financing (NPF) simultaneously has significant effects tothe total assets of BPR Sharia in Java. While partially, only financing hassignificant influence to total assets of BPR Sharia in Java.

Analisa Kepuasan Konsumen dan Loyalitas Konsumen terhadap Penjualan Suyoto Arief; Nusa Dewa Harsoyo
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

Economic fluctuations in Indonesia did not affect the food and beverage industry. A kind of the need to be was still being repaid because the community needed food. Food is the needs of primary must be fulfilled and cannot be influenced by the state of economy in indonesia. One of the famous traditional food business in Ponorogo is Jenang Mirah, industry is located in the village Josari, Jetis sub-district, district Ponorogo, East Java province. The industry has stood since tens of years ago, precisely around 1955. The name “Mirah” itself is taken from the name that the mother pioneering Mirah. Jenang glutinous rice traditional food is produced in ponorogo made of original material glutinous rice , coconut and sugar sugar, fruit and coconut milk coconut, without a preservative In 2013 on the day of Eid Jenang Mirah turnover rose sharply to 50% of H-7 - H + 7 because the number of orders and buyers from out of town or in the city. The request was evidenced by the number of subscribers since approximately 10 days before Idul Fitri. Jenang marketing strategy is now fairly easy, they do not need to bother distribute them to retailers. Because every day is a lot of traders who lined up to buy porridge ruby is the party to be sold again. This research using research field quantitative model with a method such as the spread of survey poll to consumers and interviews, samples used were obtained by using non-random sampling. Data were collected in two phases, the first to discover where the most preferred food by using the formula Weigthed Mean, then to analyze the link between customer satisfaction and loyalty and also between customer satisfaction and loyalty with sales. The results of the initial analysis using the Weighted Mean formula that serves as a determinant of superior products in Jenang Mirah is glutinous rice porridge with a value of 4.75. On further analysis showed that the correlation between customer satisfaction and loyalty shows the number (0.439) under 0.5 has a weak positive relationship, so when customer satisfaction is increased then the consumer loyalty in the company’s products will grow. And to influence consumer satisfaction and consumer loyalty to the figures showed sales (0,564) above 0.5 has a strong positive relationship in Jenang Mirah, so if the consumer satisfaction and enhanced customer loyalty then sales will increase because the number of goods that have been purchased by consumers and turnover the company increased. Finally, the author hopes this thesis will be beneficial for everyone, especially for the development of economic science in the field of marketing. And to the researchers next , is expected to meet a shortage of which is on a thesis is to conduct empirical research or research this can strengthen this study

Analisis Efisiensi Lembaga Amil Zakat terhadap Pengentasan Kemiskinan Royyan Ramdhani Djayusman; Muhammada Khafid Abdillah
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

Collection and Distribution of Zakah Funds to Mustahiq is the main goal of Amil Zakah Institution (LAZ). In Its Management, Laz Ummat Sejahtera has program to reach its target. Zakah funds, both collection and distribution funds must be efficient, because LAZ USP is a trusthworthyand professional institution of Zakah that belongs to society. This research aims to analyze the efficiency rate of zakah funds on LAZ USP in poverty allevation and to measure the influence of staff management to the efficiency of zakah funds. The researcher use interviewand documentation method. The interview was held to the staff LAZ USP. This research is a field research in form of quantitative by processing data which is obtained from documentation of financial reports LAZ USP 2008-2013. The standard to measure the efficiency is Data Envelopment Analysis (DEA). DEA is a nonparametric method. It is a linear programming model, used to measure technical efficiency. The analysis will show scale 0 to 1 or 0% to 100% on the zakah funds, according to its efficiency rates. In spite of that, this research will use multiple regression to know the influence of staff managements to efficiency of Zakah Funds. The Analysis presented the efficiency rate in 2008-2009 is still in inefficiency condition, because the efficiency rate in 2008 is 97,8% and in 2009 is 99,7%. In 2010 to 2013, the efficiency rate is 100%. It indicates the maximumwas reached. The analysis with multiple regression shows that the whole management of staff has a significant influence to the efficiency of Zakah Funds. But, personally, only program management that has a significant influence to the efficiency of Zakah Funds with T Count is 2,161 and T Table is 2,02, and = 0,05.Finally, Researher hopes to LAZ USP to keep its efficiency of Zakah Funds, because collection and distributionof Zakah Funds is the main Goal of LAZ. It can be done by improving the management of staff LAZ USP, especially program management.

Pembiayaan Murâbahah yang Bermasalah di Baitul Mâl Wa Tamwîl(BMT) XYZ Dalam Perspektif Manajemen Risiko Rahma Yudi Astuti
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

Baitul Mal wa Tamwil XYZ as microfinance institutions that run the operation works with Islamic principles, in which the principal activity in the form of funding and financing to the community, always filled with uncertainty. Murabaha is a financing product that is very popular in BMT XYZ. This is because these products are considered as a product that is easy to apply and has a relatively small risk. However murabaha product was not completely safe and risk-free. Recorded murabaha financing problems in BMT XYZ currently account for 15.8% of the total amount of financing is not fully influenced by the type of contract, but is also highly dependent on the nominal size of the financing, and long periods of financing as well as other variables listed in such financing and guarantee problems character client and intervention board on the performance of managers. Therefore we need a series of procedures and methodologies that can be used to measure, identify, monitor and control risks that arise. The research problems are why the Murabaha financing is problematic in BMT XYZ and how the steps are carried out by BMT XYZ against Murabaha financing is problematic.This research is a field (field research) that is descriptive qualitative. Data were collected through observation, documentation, and interviews, while the type of data used are primary data and secondary data. Based on the findings in the field can be seen that the factors causing the problem, namely murabaha financing from the customer and the factors BMT itself. Factors of customers due to the weak economic situation of customers, the business is not smooth, character weakness and turmoil. While the factor of BMT XYZ itself is weakness analysis and carelessness account officer in collecting and analyzing data in a prospective customer financing does not correspond to the actual state of the prospective customers. Violation of the LLL by the board and the change manager within a relatively short time. BMT effort XYZ against problematic Murabaha financing is a preventative measure, revitalizing and takeover of collateral. Meanwhile, to minimize the risk that the financing distribution strategy, a strategy of collection of receivables and collateral strategy and the implementation of the precautionary principle (prudential Banking).

E-CommerceDalam Perspektif Islam Arie Rachmat Soenjoto
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

The rapid development of the media make the distance between the state seemed close to where a person can achive its objectives with a very short time a matter of second due to the electronic media such as television, telephone, internet and so forth. Companies have used media to the benefit of consumers, where consumers remain at home and transfer the agreed price through the bank. Although this transaction is going well, but the customers does not see a crystal clear, giving rise to dispute on both sides. Based on these problems researcher examined further to determine the legal sale and purchase through internet. At this study the author used observations and documentary were then assessed using the inductive method to explain clearly about buying and selling via internet, the deductive method to provide a legal basis boundaries syaria about buying and selling over the internet which is based on Al-Qur’an and AlHadits. In order to deliver to the conclusion in this study, researcher used an analytical and descriptive method to describe the process of buying and selling over the internet and the law as well as the benefits and riks posed belong. As known, sale and purchase will valid if it has fulfilled the whole pillars and conditions. Such consent and qobul called expression and desire. This expression can be realized with any show or words such as lafadz habits, work, gesture, or oral. Although between the seller and buyer does not meet in one place but the terms of the sale were met, than the selling is legitimate. Even the goods are not visible or are not present, then the seller must mention the nature or typical of goods and mention the amountour can describe it so that the sale and purchase of goods with the use of electronic media is a legitimate law. E-Commerce is nothing but as an intermediary that connects something that meant. Therefore buying and selling via internet can be allowed on the condition based on ethics purchase procedure and does not conflict with Islamic law.

Asuransi Perspektif al-Qur’an Daniar Daniar
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

Insurance is an adaptation word of the various languages. Dutch language “Assurantie” means assured, Italian language “insurensi” and assurance in English means a guarantee. In Arabic the insurance referred to at-ta’min means of protection, security and freedom from the fear. In this paper, the author will discuss thoroughly Insurance in the perspective of the Qur’an, on Insurance Legal Foundation, an Islamic insurance concept (Sharia Insurance) as well as various opinions Ulama on Insurance.

Peran Hisbah Dalam Mekanisme Pasar Islami Zaidah Kusumawati
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

Market mechanisms become the best mechanism in a market economy to achieve equilibrium price and provide justice to the market agent, assuming all market agents act in a reasonable and fair. Hisbah has been there since the beginning of islamic civilization and its role in the sustainability of a market economy that time and preserved by some as a modern Islamic state as one of the institutions of state authority that has broad authority in his duties. Knowing the role of hisbah institutions in the Islamic market mechanism is the purpose of writing this article. Discussion using qualitative descriptive method based on a content analysis of related literature. The conclusion obtained is hisbah institutions have an important role in the mechanism of the Islamic market because its economic functions aimed to maintaining that market agents act in a reasonable and fair, as well as to maintain prices in equilibrium when the natural conditions become abnormal.

Peran Strategi Self Management Team dalam Organisasi Mufti Afif
Islamic Economics Journal Vol. 1 No. 2 (2015)
Publisher : University of Darussalam Gontor

Self- management strategy team became a popular part in management science where this strategy while able to provide education for every individual of the team work but also able to solve the problems in an effective and efficient organization. This strategy take in five skills owned by each individual, which is capable of solving problems, capable of taking decisions, utilizing the resources available, seek and provide information, interact with people (or groups), and act on the beneficial aspects. For a leader, this strategy will form the typical attitude that is; Relating, scouting, persuading and empowering. Nevertheless this strategy cannot be implemented in all the company’s organization, except for those which already familiar with the culture of decisionmaking by employees.

Page 18 of 31 | Total Record : 305

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Sheema Haseena Armina

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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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Kab. ponorogo,

Jawa timur

INDONESIA

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Sheema Haseena Armina

Contact Email sheemahaseenaarmina@unida.gontor.ac.id

Phone -

Journal Mail Official iej@unida.gontor.ac.id

Editorial Address 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

Location Kab. ponorogo, Jawa timur INDONESIA

Abstract

Abstract

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Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Sheema Haseena Armina

Contact Email
sheemahaseenaarmina@unida.gontor.ac.id

Phone
-

Journal Mail Official
iej@unida.gontor.ac.id

Editorial Address
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

Location
Kab. ponorogo,

Jawa timur

INDONESIA