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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 Faktor Makroekonomi Terhadap Resiko Pembiayaan Bank Syariah: Studi Pada Bank Umum Syariah di Indonesia Tahun 2015-2018 Rizki Fitriansyah
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

Sharia banks are one of the financial institutions that are currently still developing in Indonesia. Like other financial institutions, Sharia banks also have a risk faced, namely the risk of financing. The risk of financing in Sharia banks is commonly known as the risk of financing problems. The level of problem financing in Islamic banks is one indicator of the level of the soundness of banks. The size of the problematic financing level is partly due to bad financing due to the sluggishness of the real sector in response to macroeconomic conditions. Financial system instability (financial crisis) in addition to influencing banking liquidity also encouraged an increase in problem financing. From a macroeconomic perspective, Indonesia’s current economic conditions of public concern include the exchange rate and the inflation rate.This research was conducted to determine the effect of macroeconomic factors, exchange, and comparison, on interest rates, Sharia Commercial Banks in Indonesia. The data used in this study are secondary data obtained from Sharia Banking Statistics issued by the Financial Services Authority (OJK) and data from Bank Indonesia (BI). Analysis of the technique in this study uses multiple linear regression analysis techniques. The results showed that the rupiah exchange rate and the exchange rate were significant for troubled funds at Sharia Commercial Banks. Meanwhile, the exchange rate is significant towards problem financing at Sharia Commercial Banks, while the exchange rate is significant against problem financing at Sharia Commercial Banks.

بيع السّلم وتطبيقاته المعاصرة في المصارف الإسلامية في إندونيسيا AA Hubur
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

This research aims to determine the importance of the applications of salam contract on Islamic banking in Indonesia, it focuses on discussing the legality and validity aspects related to salam contract in sharia view. The research also determines in terms of how the contemporary application of salam contract on Islamic banking and the areas of its applications in Indonesia. The research uses descriptive and analytical methods by viewing library resources and personal interviews with experts and employees on Islamic banking in Indonesia. The results of the research concluded that salam contract is in accordance with the demands of financing and is needed to become one of the sharia-based financing products. It concludes that this contract still requires a lot of theoretical and applied studies and research to highlight its financial characteristics and capabilities in economic reality.

Pesantren Value Added Sebagai Modal Pemberdayaan Ekonomi Masyarakat Kecamatan Cibadak Lebak Banten Muhammad Anwar Fathoni; Ade Nur Rohim
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

This study aims to describe and analyze community economic empowerment models through added value owned by pesantren (pesantren value-added). So that it can measure the extent to which pesantren resources are able to empower the economy of the surrounding community. This research is conducted at the modern boarding school Manahijussadat in Lebak Regency, Banten. This research was conducted by identifying and analyzing community economic empowerment models conducted by pesantren. This research is a descriptive study that uses a qualitative approach. The object of this research is modern boarding school Manahijussadat in Pasar Keong Village, Cibadak Lebak District, Banten. The purposive sampling technique is used in this project with both primary data and secondary data. Primary data is collected through interviews with several parties at the pesantren, while secondary data was obtained from several literatures such as books, journals, and other written data. Data collection techniques used are interviews with several parties, from both top leader and management level at the pesantren as well as representatives from surrounding community. In addition, observations were also made by direct observation in the field. While the data analysis technique used in this study is qualitative analysis. Based on the research results obtained, it is known that community economic empowerment through pesantren can be built with a partnership model between pesantren, community, government and the private sector. Because pesantren is the closest Islamic educational institution to the community and has potential resources to be the pioneers of the economic empowerment of the people. The partnership can be carried out in several aspects such as employment, business opportunities, and the establishment of business entities or financial institutions. The partnership that exists between these four elements can make people more economically empowered and improve their welfare in a sustainable manner.

Analisis Pengaruh Pelayanan Pada Lembaga Keuangan Syari’ah Terhadap Kepuasan dan Loyalitas Nasabah di Bank Muamalat Indonesia Kantor Cabang Yogyakarta Annas Syams Rizal Fahmi
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

Customer loyalty is a very important factor in the world of financial institutions because loyalty is largely determined by customer satisfaction itself, so customer satisfaction greatly affects customer loyalty. In this case, the researcher will examine the Financial Institution in terms of services provided to customers, whether the service has an influence on customer satisfaction and loyalty to financial institutions. Researchers are interested in Bank Muamalat Indonesia as the originator of Islamic banks in Indonesia, which can keep the economic system in Indonesia stable during the monetary crisis. In this case, as a Sharia Bank, financial institution services provided should be the maximum service in accordance with Islamic values, this is one of the factors researchers to analyze, whether the services provided by banks can provide satisfaction to consumers, and whether bank customers muamalat Indonesia already feel satisfied or not.Then to make it easier to analyze the data, the researcher used the SPSS measuring instrument, using instruments from the Likert scale, validity test, reliability test, classic assumption test. In analyzing the data the authors use primary data and secondary data, namely by questionnaires, and interviews and company documents as secondary data. Then it will be tested using multiple linear regression testing so that it will come out the data t arithmetic, t table, f arithmetic, and f table.Based on the t test the Service variable influences Customer Satisfaction at Bank Muamalat Indonesia Yogyakarta Branch Office, which can be shown by t count greater than table (1,981> 1,290). And based on the t test shows that t count is greater than t table (2.188> 1,290), meaning that the service variable has a significant positive effect on customer loyalty variables. From the results of research that has been measured with this SPSS tool, it is found that service has a significant effect on customer satisfaction and loyalty.

Parameter Pengembangan Produk-Produk Perbankan Syariah Dengan Pendekatan Maqasid Syariah (Studi Kasus di Perbankan Syariah Kabupaten Ponorogo) Ahmad Muqorobin; Eko Nur Cahyo
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

Currently, the development and growth of Islamic banking show a positive trend that increases every year. This encourages Islamic banks to produce innovative products which customer needs. However, the methods used to develop products differ from one country and another. For Indonesia, one parameter is needed to harmonize all product developments produced by Indonesian Islamic banking. The purpose of this study is to explore the challenges of current Islamic banking in producing products and make a parameter as a reference for developing Islamic banking products with the Maqāsid Sharia approach for the realization of maslahah. To achieve this study using several methods such as interviews, content and descriptive analysis. The results of this study are the parameters that have been applied with the development product in Islamic banking Ponorogo citywith the Maqāsid Sharia approach. A product can produce maslahah if the five elements in Maqāsid shari’a are achieved, namely; (1) Preservation of religion by the basis of the product offered is based on the Al-Qur'an, Sunnah, and DSN-MUI, (2) Preservation of life, it is manifested by the service and supply to customers in accordance with Islamic ethics, (3) Preservation of intellect, with a form of banking business to explain in detail related to products offered to customers in a clear, (4) Preservation of wealth, it is realized with the management of property management client in Islam, (5) Preservation of progeny, by applying the four things previously, to guarantee halal and affect the sustainability of living for the family and the children of clients.

Profit Equalization Reserve and Investment Risk Reserve: Issues and its Application Muchammad Taufiq Affandi
Islamic Economics Journal Vol. 5 No. 2 (2019)
Publisher : University of Darussalam Gontor

The Islamic Financial Institution (IFI) is a unique financial institution which has special characteristics, maqāsid, worldview, risk, and opportunity. One of the methods used to mitigate the unique risk of Islamic banks is the Profit Equalization Reserve (PER) and Investment Risk Reserve (IRR). However, there are some issues related to PER and IRR. Some issues have been identified in the Islamic Financial Services Board (IFSB) guidance note, including profit smoothing and other issues yet to be discussed. This paper tries to observe issues related to PER and IRR and their application in some Islamic banks using content analysis method on their annual reports and/or financial statements. The paper concludes that PER and IRR will bring bigger issues and risks to Islamic banks. This leads the writer to suggest that the regulator reconsider its permissibility. In addition, the paper also finds that the concept of PER and IRR has low acceptance among Islamic banks.

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

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.

Etika Kegiatan Produksi: Perspektif Etika Bisnis Islam Ahmad Suminto
Islamic Economics Journal Vol. 6 No. 1 (2020)
Publisher : University of Darussalam Gontor

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.

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

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

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

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.

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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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Home Page

OAI Link

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Reviewer

Google Scholar

Contact Name Sheema Haseena Armina

Contact Email sheemahaseenaarmina@unida.gontor.ac.id

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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

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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