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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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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

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

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.

إدارة صندوق الأجرة في منتج التأمين التكافلي الوقف من منظور مقاصد الشريعة بيوجياكرتا Setiawan Bin Lahuri; Fadhila Tianti Mudi Awalia; Muhammad Alfi Syahrin
Islamic Economics Journal Vol. 6 No. 2 (2020)
Publisher : University of Darussalam Gontor

This study aims to discuss how the management of the ujrah funds on the waqf takafulink product and the management of the ujrah funds in the perspective of maqasid shariah in presenting wealth benefits. To achieve the discussion's objectives, researchers used field research with qualitative research types and a case study approach. As for collecting data, researchers conducted observations, interviews and looked at existing documents. Meanwhile, in analyzing the problem, the researcher used a qualitative descriptive technique and a maqasid shariah approach technique, so that this study could explain in detail about the management of funds in the waqf takafulink product. The results found the management of ujrah funds on the waqf takafulink product was contrary to the principles of sharia insurance because of the transfer of participant rights for the benefit of others as seen from the imposition of the ujrah funds that charged to participants to finance operations. But if the tax is on the company's amount of assets, the company should be able to bear the company’s operating costs without burdening the participants. Whereas from the review of maqasid shariah, the management of ujrah funds on takafulink products, waqf greetings is also against justice and benefit, because in managing funds there is an element of tyranny, and the status of ownership of property transferred in a way that is not in line with Islamic law.

Konsep Fintech Lending Dalam Perspektif Maqāṣid Syarī’ah Mochamad Novi Rifai
Islamic Economics Journal Vol. 6 No. 1 (2020)
Publisher : University of Darussalam Gontor

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 Religiusitas Terhadap Kinerja Karyawan (Studi Kasus Pada Suryamart Soekarno-Hatta Ponorogo Tahun 2019) Imam Haryadi; Luthfi Noor Mahmudi
Islamic Economics Journal Vol. 6 No. 2 (2020)
Publisher : University of Darussalam Gontor

Human resource is a crucial component in every company. Employee performance that is not optimal is a matter of achieving success. The purpose of this study is to determine the effect of the value of religiosity on employee performance (a case study on Suryamart Soekarno-Hatta Ponorogo 2019). This research uses quantitative descriptive methods. Data collection techniques using primary and secondary data, where primary data is done by conducting surveys, secondary data is obtained through a questionnaire or questionnaire. The data analysis technique used in this article is a simple linear regression analysis. The results of this study indicate that the variable Religiosity (X) has a t-count greater than t table, t-count equal to (8.761 > t table 2.026) and the significance value (Sig.) 0.00 < 0.05. So it can be concluded that the Religiosity variable (X) has a significant effect on Employee Performance (Y) and is known from the coefficient of determination (R Square) of 0.669 or can be stated with 66.9%, this figure implies that Religiosity as the dependent variable (X) affect Employee Performance by 66.9%. While the remaining 33.1% is influenced by other variables not examined in this study. This study indicates that the greater the value of Religiosity, the greater the effect on Employee Performance. For Suryamart Supermarkets, it is suggested to maintain and improve the value of Religiosity for employees so that all activities in the institution which could give a positive impact on business performance.

Pilar dan Karakteristik Pasar Dalam Ekonomi Islam Farid Fathony Ashal
Islamic Economics Journal Vol. 6 No. 2 (2020)
Publisher : University of Darussalam Gontor

This article aims to examine the concept of the market in Islamic literature that had been practised by the classical period. The method used in this study is qualitative research with a literature study approach. The results of this study proved that Islamic literature had provided the application of market concepts which include pillars and characteristics as signs in market management, price mechanism, and avoiding from usury, gharar, maisir. The well functioning of the market has an important role in human life, yet that Islamic doctrine provided the constructive rules as an effort to purify the process of transferring property and goods from just and civilized public relations.

Pengaruh Kualitas Pelayanan Islami Terhadap Kepuasan Nasabah Studi Pada Bank Umum Syariah di Provinsi Lampung Sefta Kurniawansyah; Tulus Suryanto; Heni Noviarita
Islamic Economics Journal Vol. 6 No. 2 (2020)
Publisher : University of Darussalam Gontor

This research aims to analyze the effect of Islamic service quality on customer satisfaction in Islamic banking in Lampung Province. The CARTER dimensions influence on Islamic service quality consists of sharia compliance, assurance, reliability, tangibles, empathy, and responsiveness. In this study, collecting data using a questionnaire was given to 100 samples using regression analysis. The analysis results prove that simultaneously the CARTER dimension has a significant effect on customer satisfaction. In contrast, reliability, sharia compliance, and responsiveness partially significantly affect customer satisfaction in Islamic banking in Lampung Province. Meanwhile, assurance, tangibles, and empathy do not considerably affect customer satisfaction in Islamic banking in Lampung Province.Based on the value of Adjusted R Square, the magnitude of the influence of Islamic service quality using the CARTER dimension on customer satisfaction in sharia banking in Lampung Province is 73.8%, so simultaneously, the CARTER dimension affects the quality of Islamic services. Therefore, to maintain and improve this quality, the quality of Islamic banking must be further enhanced through the dimensions of assurance and empathy, namely the bank's ability to give sincere attention and individual or personal care to its customers, as well as commitment and certainty of customer satisfaction, such as showing easy procedures, good bank reputation, the number of front liners, security, and facilities and infrastructure provided is even better.

Testing The Validity of Risk Management in Islamic Finance: The Hadith Point of View Abdul Qoyum
Islamic Economics Journal Vol. 7 No. 1 (2021)
Publisher : University of Darussalam Gontor

Risk management in Islamic finance can be seen as an important aspect for business operation. The nature of Islamic finance which is quite different compared to conventional counterparts since the existance of shariah principle affect the risk management is more crucial in Islamic finance. Nevertheless, the practice of risk management in Islamic finance must be in line with shariah. Hence, this paper aims to analyze the validity of risk management from the Hadist point of view. By conducting qualitative research through detecting the quality of Hadist, the study revealed that Risk management practice is in line with shariah principle. It is based on the Hadits narrated by Ibnu Hibban that from the text, including in the matan and sanad can be classified as hadits ‘shohih”. In addition, the practice of Risk management is comply to the fulfilment of maqosid syariah.

Analisis Penerapan Etika Jual Beli Islami Dalam Meminimalisir Distorsi Pasar Pada Pasar Tradisional (Studi Kasus Pada Pasar Induk Giwangan Yogyakarta) Meichio Lesmana; Siti Nurma Rosmita; Andika Rendra Bimantara
Islamic Economics Journal Vol. 6 No. 2 (2020)
Publisher : University of Darussalam Gontor

In Islamic economics, the market is creat to achieve market equilibrium. But the reality in the field is still challenging to find a market where the mechanism is imbalanced, which is not compatible with the ideal market according to Islamic principles. Many internal and external factors influence the disruption of the market mechanism. The disturbances that occur are known as market distortions. The existence of irregularities in the market is inevitable, where this behavior is far from the ethics of trade in Islam. The purpose of this study was to determine whether the traders in the Giwangan traditional market, which is dominated by Muslim traders, have implemented Islamic trading ethics to minimize market distortions. This research uses qualitative research with a field study approach and uses observation and interview methods. Based on the research results, it can be concluded that there is an Islamic trading ethic that has been practiced by traders in the Giwangan market, namely; honesty in transactions both in terms of quality and scale, the halalness of the products sold, a friendly and generous attitude, and the absence of unfair competition. But from that, there is such an unpracticed trade ethic as a lack of justice to new consumers and customers and a false oath of exaggeration in the quality of the goods sold. Therefore, it could be said that the Giwangan traditional market has attempted to trade by Islamic Sharia, although it has not been fully implemented.

Faktor Penentu Harga dalam Tinjauan Pemikiran Ekonomi Islam Nurizal Ismail; Siti Aisyah; Devid Frastiawan Amir Sup
Islamic Economics Journal Vol. 6 No. 2 (2020)
Publisher : University of Darussalam Gontor

Price is one of the vital factors in economic studies, either at a micro or macro level. In general term, the concept of price can be found in primary (Al Qur’an and Sunnah) and secondary such as tafsir, fiqh, kalam, philosophy and history. Therefore, this study aims to find out the concept of price determinants developed by earlier Islamic economics scholars and compare it with the price theory in modern economics, which refers to Western economic thought. This study using a qualitative methodology using library research and content analysis. The results are the price determinant in the Islamic economy are according to the agreement of Islamic scholar based on demand and supply then shapes the price and volume of transactions. The other factors influencing the price mechanism are inventory, geography or places, consumption time, quality of goods, quantity and cost. The differences with the western economic view lie in the worldview aspect or the world view in understanding the price concept.

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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

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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