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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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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 305 Documents
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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 1 (2013)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (560.835 KB) | DOI: 10.21111/iej.v2i1.164

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.
Konsumen Rasional dalam Perspektif Islam Suyoto Arief
Islamic Economics Journal Vol 1, No 1 (2012)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (470.503 KB) | DOI: 10.21111/iej.v1i1.155

Abstract

Islam adalah agama yang mengatur kehidupan ummatnya secara sempurna,bukan saja pada persoalan yang berkaitan dengan aqidah, akhlak dan ibadah, namun juga persoalan mu’amalah. Salah satu aspek mu’amalah manusia adalah berkaitan dengan konsumsi. Konsumsi seorang muslim memliki pola dan pendekatan yang berbeda dengan seorang non muslim. Dari sini, penulis ingin menguak mengenai konsumen rasional dalam perspektif Islam dengan menyingkap teori-teori konsumsi dan mengaitkannya dengan nilai-nilai Islam. Dari situ, dapat dipahami bahwa pola rasionalisasi konsumsinya pun berbeda dengan pola yang dimiliki oleh ekonomi konvensional. Konsumen rasional dalam ekonomi Islam tidak mengenal istilah israf dan tabdzir. Selain itu, orientasi ibadah lillah juga turut mempengaruhi tindak tanduk konsumen muslim. Melalui tulisan ini, penulis berharap dapat memberikan gambaran komprehensif mengenai konsumsen rasional dan pada akhirnya dapat memberikan sumbangsih pengetahuan bagi umat Islam secara umum bagaimana menjadi seorang konsumen muslim yang rasional.
Konsep Kesejahteraan Dalam Ekonomi Islam (Perspektif Maqasid Asy-Syari’ah) Martini Dwi Pusparini
Islamic Economics Journal Vol 1, No 1 (2015)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v1i1.344

Abstract

The concept of welfare as a goal in the conventional economy turns a terminology that is controversial, because it can be defined by a lot of understandings. One of them is purely materialist understanding completely deny the spiritual connection, or perhaps with a slight allusion to the spiritual aspect. If welfare is defined by the materialistic and hedonistic concept, then the economics provide a portion of excellence in the fulfillment of self-interest and maximize wealth, physical pleasure, and satisfaction of lust. Islamic economic view of the overall well-being is based on Islamic teachings about life. This concept is very different from the concept of well-being in the conventional economy, because it is a holistic concept. Welfare are essential within the framework of the Shari’ah is not always realized by concentrating on efforts to maximize wealth and consumption; it requires both material and spiritual fulfillment of human needs that are closely intertwined, fight for a balance between individual and social interests, and actualize Maqasid ash-Shariah. Islamic social welfare function is a concept rooted in socio-economic thought of Al-Ghazali. He identified all problems, whether in the form masalih (utilities, benefits) and mafasid (disutility, damage) in improving social welfare. He also explained in more detail that sharia objectives is to improve the welfare of all human beings, which lies in the protection of the faith (al-din), soul (al-nafs), intellect (alaql), descent (al-nasl), and wealth (al-mal). Anything that ensure the protection of this fifth guarantee the public interest and is desirable.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (571.086 KB) | DOI: 10.21111/iej.v1i2.349

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.165 KB) | DOI: 10.21111/iej.v1i2.354

Abstract

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.
Pembangunan Ekonomi Islam Pada Perbankan Syari’ah: Telaah Beberapa Problem Dalam Transaksi Mudarabah Kontemporer Rahmad Hakim
Islamic Economics Journal Vol 1, No 1 (2015)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v1i1.345

Abstract

Institusi Perbankan merupakan suatu hal yang baru dalam ekonomi Islam. Hal ini memberikan rangsangan kepada para ekonom Muslim untuk berfikir keras (ber-ijtihad)untuk mencari bentuk ideal aplikasi kontrak (akad) yang telah berlaku pada zaman dahulu untuk diaplikasikan pada masa kini. Tentunya, hasil ijtihad tersebut terdapat perbedaan antara para ekonom Muslim. Hal ini dapat dimaklumi mengingat ranah ekonomi Islam merupakan ranah mu’a> malah yang selalu berkembang dan sangat kompleks, sehingga tidak terdapat panduan secara eksplisit mengenai permasalahan yang ada. Pada ranah inilah Rasululullah Saw. pernah bersabda: “Antum A’lamu bi ‘Umuri Dunya kum” (kamu lebih tahu mengenai urusan duniamu). Pada makalah ini, penulis mencoba untuk memaparkan aplikasi akad mudarabahkontemporer sekaligus beberapa problem yang ada, seperti: peran ganda bank syari’ah dalam transaksi mudarabah, dan problem mekanisme bagi hasil dalam transaksi mudarabah. Inti dari tulisan ini adalah bahwa akad mudarabah pada bank syari’ah tidaklah sama dengan aplikasi mud rabah pada masa lalu, dimana segala sesuatu berjalan sangat sederhana dan manual. Dengan perkembangan zaman, maka akad mudarabah yang terdapat pada bank syari’ah sekarang ini belum-lah terlepas dari isu-isu yang berkaitan dengan kepatuhan syari’ah. Dengan demikian diperlukan agenda ijtihad yang mendalam oleh para ekonom Muslim masa kini, untuksetidaknya, menjadikan transaksi mudarabah pada bank syari’ah menjadi semakin dekat kepada bentuk ideal yang sesuai dengan syari’ah
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (681.811 KB) | DOI: 10.21111/iej.v1i2.350

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (305.431 KB) | DOI: 10.21111/iej.v1i2.355

Abstract

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.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v1i1.346

Abstract

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.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (406.037 KB) | DOI: 10.21111/iej.v1i2.351

Abstract

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).

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