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INDONESIA
I-ECONOMICS: A Research Journal on Islamic Economics
Published by Universitas Islam Negeri Raden Fatah Palembang
ISSN : 25485601     EISSN : 2548561X     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
This journal published twice a year on Juny and December. I-ECONOMICS is devoted to reserach in all branches of islamic economics. Specifically, the journal will deal with topics, including but not limited to: Islamic Economics, Islamic Banking, Islamic Finance, Islamic Accounting, Islamic Microfinance, Social Entrepreneur, Zakah Waqf, and Islamic Philantrophy.
Arjuna Subject : -
Articles 8 Documents
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Search results for , issue "Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics" : 8 Documents clear
FLEKSIBILITAS JAMINAN PEMBIAYAAN USAHA MIKRO PADA BMT AL-HIKMAH SEMESTA JAWA TIMUR Ferdinand, Niki Rio; Khusnudin, Khusnudin
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.19719

Abstract

The existence of MSMEs plays a crucial role as the core of the economic growth in developing countries like Indonesia. They require ease of access to additional capital to expand their businesses. BMT Al-Hikmah Semesta Jawa Timur is one of the Islamic microfinance institutions (LKMS) that provides access to capital for micro-business operators through the flexibility of collateral in their financing products. That case is an intriguing phenomenon worth studying. The research includes examination of the forms of collateral flexibility, the risks associated with implementing this flexibility, and the goals behind its application. This study employs a qualitative approach with data collection techniques such as observation, interviews, and documentation. Based on the research findings, there are various forms of collateral flexibility, including unsecured financing, the use of non-personal collateral, flexible collateral constraints, and a quick collateral release period. However, these flexible collateral arrangements carry the risk of financing repayment failure or default. Service excellence is the ultimate objective of implementing collateral flexibility for members. This research is valuable for those who wish to delve into collateral flexibility in financing.
PENGARUH DPK, PEMBIAYAAN MUDHARABAH, NPF TERHADAP ROA BANK UMUM SYARIAH DI INDONESIA Hodi, Hodi; Wardana, Guntur Kusuma
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.19720

Abstract

In Islamic banks, one of the indicators commonly used to assess the bank's health is its own financial report. Information obtained from financial reports can be used to calculate various financial ratios, often serving as the basis for evaluating a bank's health. Several factors affect profitability in Islamic banks, sourced from the different profitability indicators generated by various performance metrics. This is because third-party funds (DPK) and Mudharabah financing, when increasing, contribute to the increase in the Return on Assets (ROA). This is due to the fact that an increase in customer deposits gathered by Islamic banks will enhance the efforts of the Islamic bank in generating profitability. On the other hand, if non-performing financing (NPF) increases, the ROA will decrease. This is because the non-acceptance of disbursed funds contributes to the decline in ROA. The research aims to investigate the partial and simultaneous effects of DPK, Mudharabah financing, and NPF on ROA. The research methodology employed is quantitative with a causal approach. Using purposive sampling technique, five Islamic commercial banks were selected as the research sample for the period 2017 to 2022. The analysis utilized panel data regression analysis through Eviews12. The results indicate that DPK and Mudharabah financing, individually, do not have a significant partial impact on the ROA of Islamic commercial banks. However, NPF has a significant partial effect on the ROA of Islamic commercial banks. Furthermore, when considered collectively, DPK, Mudharabah financing, and NPF have a significant simultaneous impact on the ROA of Islamic commercial banks.
KEBIJAKAN BAZNAS KABUPATEN BANGKA DALAM MENGELOLA UMKM UNTUK MERUBAH MUSTAHIK MENJADI MUZAKKI Tohari, Mustofa; Zahri, Tsulis Amiruddin; Sumar, Sumar
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.19751

Abstract

Professional management of Zakat funds can be one way to eradicate poverty in society. One of the efforts made by the National Zakat Amil Agency (BAZNAS) of Bangka Regency, Bangka Belitung Islands Province in managing zakat funds is to distribute aid to Micro, Small and Medium Enterprises (MSMEs) through a productive zakat program. MSMEs have an important role in supporting the economy in Indonesia. Apart from that, MSMEs are also considered as a people's economic activity that is in accordance with the values of Pancasila as the nation's ideology. The aim of this research is to analyze and identify the management of BAZNAS Bangka Regency in managing the people's zakat funds through MSME activities. This research uses a qualitative-descriptive approach with primary data in the form of interviews and field observations and supported by secondary data in the form of literature relevant to the research topic. As a result, in carrying out the program BAZNAS Bangka Regency has three stages, namely open submission, field verification and evaluation monitoring. Recipients of MSME business funding assistance have the opportunity to receive it again the following year so that they can raise their social status from zakat recipients (Mustahik) to zakat payers (Muzakki). So the management of BAZNAS MSMEs is a form of mutual cooperation to realize community welfare as a reflection of the Pancasila economy
THE PRICE AND ISLAMIC SERVICE QUALITY ON CUSTOMER SATISFACTION IN ISLAMIC BANKING Krisnanda, Krisnanda; Nadia, Linda Putri; Achmad, Affan Wazzar; Mukhlisin, Ahmad
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20267

Abstract

The rapid growth of Bank Syariah Indonesia in recent years has strongly emphasized the importance of pricing and Islamic service quality in gaining a competitive advantage. This research aims to analyze the influence of price and Islamic service quality on customer satisfaction of Bank Syariah Indonesia in Kudus. The study employs the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach to examine the conceptual framework. Data were collected from 140 Indonesian Islamic banking customers in Kudus using questionnaires. The analysis findings confirm that both price and Islamic service quality positively and significantly impact customer satisfaction in Bank Syariah Indonesia. Competitively priced products and services, aligned with Islamic principles, play a pivotal role in creating customer satisfaction.
ANALISIS KEUANGAN PUBLIK SYARIAH TERHADAP PENGELOLAAN ANGGARAN DAN PENGELUARAN PEMERINTAH DAERAH KULON PROGO Mukti, Titania
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20271

Abstract

Management of regional budget and expenditure of Kulon Progo is the authority of regional governments and must be adapted to the conditions of regional communities. Financial management of a region has been taught in Islamic law since the time of the Prophet. The concept of regional financial management based on Islamic law must apply the principles of justice. The Kulon Progo Regency government is known to be the district with the smallest financial income/revenue among other districts in Yogyakarta. With small financial revenues, the government still has to distribute regional finances fairly. Therefore, this research aims to analyze the management of regional income and expenditure budgets in Kulon Progo Regency from an Islamic Public Finance Perspective for the 2022-2023 Period. The research method used descriptive qualitative analysis. The data source is primary data obtained from interviews with the local government of Kulon Progo Regency and several community representatives. The research results show that the stages of drafting the Kulon Progo Regency APBD draft are in accordance with the Processing Stage based on the provisions of law number 12 of 2019 concerning regional financial management. The process of tax revenue and regional expenditure determination in Kulon Progo has implemented Islamic public finance principles presented by Umar Chapra.
MODEL PENTAHELIX PADA WISATA BERBASIS MASYARAKAT DI PULAU LEMUKUTAN BENGKAYANG Hasanah, Uswatun; Ibrahim, Ibrahim; Luqman, Luqman
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20337

Abstract

Beach tourism in Lemukutan Island is located in Bengkayang Regency, West Kalimantan Province is one of the tourist objects in West Kalimantan that used the concept of community-based tourism (CBT), this research uses a descriptive qualitative approach that is field research, the data in this research is collected through interview, observation and documentation. This study aims to explain the role of the community in managing tourism on Lemukutan Island and to understand the pentahelix collaboration model on tourism that synergizes other stakeholders to build tourism sustainability in after the Covid-19 pandemic, and explain the economic impact for the community of tourism on Lemukutan Island. The results showed that the community have an essential role in the sustainability of tourism, the community's ability to manage tourism can attract some other stakeholders to synergizes in developing a Lemukutan Island tourism, especially after the Covid-19 pandemic, as a result the economy of the Lemukutan Island community has also increased. The pentahelix model in tourism development on Lemukutan Island involves five main actors, namely the community or society as the main actor managing tourism, government, Business or private companies, academic and media. The participation of these stakeholders, Lemukutan Island tourism will continue to exist in the future.
MENAVIGASI TANTANGAN FISKAL: EFEKTIVITAS SUKUK SEBAGAI INSTRUMEN ALTERNATIF PEMBIAYAAN DEFISIT DI INDONESIA Masruroh, Aniswatun; Fitrianto, Achmad Room
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20351

Abstract

In the past half-decade, Indonesia encountered its highest budget deficit in 2022, amounting to IDR 464.3 trillion or 2.38% of the nation's GDP, as reported by the Ministry of Finance. To counteract this, the government formulates the State Revenue and Expenditure Budget (APBN) annually, serving as a pivotal tool for national welfare and economic governance. Governed by fiscal policy, APBN orchestrates government revenue and spending to propel economic enhancement. This paper scrutinizes the efficacy of sukuk as a deficit financing alternative, considering policies, implementation strategies, targeting precision, and procedural efficiency. The study, covering the period from 2018 to 2023, accentuates sukuk's resilience amidst economic uncertainties. Key determinants of sukuk effectiveness include well-aligned policies with national objectives, collaborative execution involving diverse stakeholders, congruence with targeted goals, and streamlined processes adhering to legislative frameworks. The research further delves into the varied spectrum of sukuk instruments traded in the market, distinguishing between tradable and non-tradeable categories. Tradable sukuk exhibit liquidity advantages, while non-tradable sukuk offer price stability. Indonesia's substantial growth in sukuk from 2020 to January 2023 underscores its potential in a predominantly Muslim-populated country. This research method is qualitative with a literature study approach obtained from secondary data. The results of this research are that sukuk is very effective as an alternative financing method. This is proven by an increase in total assets in 2022 amounting to IDR 131.46 trillion from 68 issuers and there were 512 recorded emissions using a circulating nominal value of IDR 459.15 trillion and US$ 47.5 million
ANALISIS PEMAHAMAN MASYARAKAT KOTA BANJARBARU TENTANG BAGI HASIL DAN BUNGA PADA BANK SYARIAH Masrina, Masrina; Wibowo, Fatria Ulfa
I-Economics Vol 9 No 2 (2023): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v9i2.20369

Abstract

Conventional banks or Islamic banks can be utilized by the general public. By developing a financial framework that relies on market instruments that are reasonable, useful, fair, independent, and productive, Islamic Banks have a role in public progress in the financial field needed to increase local government assistance, strengthening local areas, and every monetary force, especially for small and medium business visionaries. Qualitative approaches are used to investigate and comprehend the meaning that various individuals or a group of persons attribute to social or humanitarian situations. Typically, small to medium-sized communities are familiar with Islamic banks, especially those living in urban areas. Nevertheless, many people do not understand Islamic banking. In theory, Since normal banks employ an interest system, Islamic banks differ from ordinary banks. While Islamic banks use a profit-sharing system. Despite this, people still do not fully understand Islamic banking

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