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Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
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Articles 16 Documents
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Search results for , issue "Vol. 7 No. 2 (2020): Februari-2020" : 16 Documents clear
FACTORS AFFECTING THE EMPLOYEES’ PERFORMANCE OF NATIONAL AMIL ZAKAT INSTITUTION (LAZNAS) NURUL HAYAT FOUNDATION SURABAYA Vicky Alif Putra; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp401-419

Abstract

This research aims to prove whether the variables of religiosity level, motivation, and commitment has a significant effect on the performance of employees in the national amil zakat institution Nurul Hayat Foundation in Surabaya. The sample is 67 employees of the LAZNAS Nurul Hayat Surabaya. The data collection method uses Non-Probability Sampling with a saturated sampling technique. This research uses a quantitative approach using primary data in the form of a questionnaire with a partial least squares analysis method. The results of this research indicate that the intervening variables in the form of motivation and commitment have a significant effect on endogenous variables, namely the employees’ performance of LAZNAS Nurul Hayat Surabaya. Exogenous variables on the level of religiosity have a significant effect on motivation and commitment intervening variables but do not affect the employees’ performance of LAZNAS Nurul Hayat Surabaya.Keywords: Religiosity, Motivation, Commitment, Performance, EmployeeREFFERENCE Ancok, D. & Suroso, F.N. (2005). Psikologi Islami: Solusi Islam atas problem-problem psikologi. Yogyakarta: Pustaka Pelajar.Afriani, Khairunnisa. (2016). Pengaruh religiusitas terhadap kinerja karyawan ardhian transport Yogyakarta. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Dakwah dan Komunikasi UIN Sunan Kalijaga.Afrizal, Andi. (2015). Pengaruh gaya kepemimpinan terhadap motivasi kerja dan kepuasan kerja serta dampak pada kinerja karyawan (studi kasus BMT Bina Ihsanul Fikri Yogyakarta). Jurnal Ekonomi Syariah Indonesia, 5(2), 151-170.Aviyah, Evi dan Muhammad Farid. (2014). Religiusitas, kontrol diri, dan kenakalan remaja. Persona Jurnal Psikologi Indonesia, 3(2), 126-129.Alwi, S. (2008). Manajemen sumber daya manusia (strategi keunggulan kompetitif). Yogyakarta: BPFE.Dessler, Gary. (2004). Manajemen sumber daya manusia. Jakarta: PT. Indeks Gramedia.Fauzan, dan Irma Tyasari. (2012). Pengaruh Religiusitas dan etika kerja Islami terhadap motivasi kerja. Jurnal Ekonomi Modernisasi, 8(3), 206-232.Ghozali, Imam. (2006). Structural equation modeling metode alternatif dengan partial least square. Semarang: Badan Penerbit Universitas Diponegoro.Jalaluddin. (2005). Psikologi agama, memahami perilaku keagamaan dengan menerapkan prinsip-prinsip psikologi. Edisi Revisi. Jakarta: Rajawali Press.Karim, Adiwarman A. (2008). Ekonomi makro Islam. Jakarta: PT. Raja Grafindo Persada.Luthans, Fred. (2002). Organizational Behavior. 7th Edition. New York: McGraw-Hill Inc.Manaf AHA, Osman A, Abdullah MS, et al. (2014). Analysis of Religious Affiliation and Workplace Attitude as Predictors on Employees Job Commitment: A Perspective From a Public University in Malaysia. Asian Journal of Business and Management, 2(5), 414-421.Mar’at. (2001). Sikap manusia: perubahan serta pengukurannya. Bandung: Ghalia Indonesia.Muafi. (2003). Pengaruh motivasi spiritual karyawan terhadap kinerja religius: studi empiris di kawasan Industri Rungkut Surabaya (SIER).Jurnal Siasat Bisnis, 1(8), 1-18.Moi, Beni. (2017). Pengaruh motivasi kerja dan kepuasan kerja terhadap komitmen organisasional karyawan PT. Sugih Alamanugroho Gunungkidul, Daerah Istimewa Yogyakarta. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Ekonomi Universitas Negeri Yogyakarta.Nizar, Lukman. (2015). Analisis pengaruh religiusitas dan komitmen organisasional terhadap produktivitas kerja. Skripsi tidak diterbitkan. Salatiga: Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Salatiga.Nugroho, Wahid Arum. (2018). Hubungan antara self-efficacy dengan komitmen kerja karyawan outsourcing di CV.X. Skripsi tidak diterbitkan. Yogyakarta: Universitas Mercu Buana.Ramadhani, Febrina. (2017). Analisis efisiensi program pemberdayaan masyarakat pada LAZNAS di Surabaya dengan metode data envelopment analysis (studi kasus pada LAZNAS Nurul Hayat, Yatim Mandiri, dan Lembaga Manajemen Infaq). Skripsi tidak diterbitkan. Surabaya: Universitas Airlangga.Ratnasari, Ririn Tri. (2014). Kepemimpinan Islam dan pemasaran internal terhadap kinerja serta kesejahteraan karyawan bank Islam di Jawa Timur. Disertasi tidak diterbitkan. Surabaya: Universitas Airlangga.Robbins, Stephen P. (2001). Perilaku organisasi: konsep, kontroversi, aplikasi. Jilid 1. Edisi 8. Jakarta: Prenhallindo.Safaria, Triantoro. (2004). Kepemimpinan Edisi Pertama. Yogyakarta: Graha Ilmu.Sudarsono, Heri. (2008). Bank dan lembaga keuangan syariah. Cetakan Kedua. Yogyakarta: Ekonisia.Suryahadi, Yusak William. (2015). Pengaruh komitmen dan kepuasan kerja terhadap kinerja karyawan pada lukas tours dan travel. Jurnal Agora, 3(2), 625-630.Tasmara, Toto. (2002). Membudayakan Etos Kerja Islami. Jakarta: Gema Insani.Widiyanta, Ari. (2005). Sikap Terhadap Lingkungan dan Religiusitas. Jurnal Psikologia, 1(2), 86-95. Wibowo. (2013). Manajemen Kinerja edisi ketiga. Jakarta: PT. Raja Grafindo Persada.www. Puskabaznas.comYudha, Elit Prambara dan Fatin Fadhilah Hasib. (2014). Pengaruh motivasi terhadap komitmen organisasional pada guru madrasah ibtidaiyah islamiyah kota Madiun. Jurnal Ekonomi Syariah Teori & Terapan, 1(5), 305-323. 
THE EFFECTIVENESS OF ZIS FUNDS MANAGEMENT IN THE FIELD OF EDUCATION IN LAZISMU SURABAYA CITY Nurulita Ipmawati; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp281-293

Abstract

This study aims to determine the effectiveness of ZIS funds in the field of education at LAZISMU Surabaya City. The research method used in this study was descriptive qualitative with a research strategy using case studies. Data collection carried out in this study is by observation, interviews, and documentation. Data analysis techniques were by reducing data, presenting data, and drawing conclusions. The results of this study indicate that ZIS funds managed by LAZISMU are effective, including input standards, process standards and output standards. To help the educational sector, LAZISMU needs to increase educational scholarship funds.Keywords: effectiveness, education fund, ZIS, LAZISMUREFFERENCE Azis, H. A., Widiastuti, T., Mawardi, I., Herianingrum, S., HR, M. N., Ratnasari, R. T.,  Murniati, R. (2017). Zakat & pemberdayaan. Surabaya: Airlangga University Press.Badan Amil Zakat Nasional. (2011). Penerimaan dan penyaluran tahun 2011. Diambil dari www.baznas.or.idDavid Krech, Richard S . Cruthfield dan Egerton L. Ballachey. (1982). Individual and society. New York: McGraw-Hil.Danim Sudarwan. (2012). Motivasi kepemimpinan dan efektivitas kelompok. Jakarta: PT. Rineka Cipta.Gunawan, Ary H. (2000). Sosiologi pendidikan suatu analisis sosiologi tentang berbagai problem pendidikan. Jakarta: PT. Rineka Cipta.Mahmudi, (2005). Manajemen kinerja sektor publik. Yogyakarta: UPP AMP YKPN.Sugiyono. (2012). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta.
THE RELATIONSHIP BETWEEN SHARIA FINANCIAL INSTITUTIONS IN INDONESIA DURING THE PERIOD 2014-2018 Maulidah Atha Mukhlifah; Sylva Alif Rusmita
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp345-355

Abstract

This study is to determine the relationship between Islamic financial institutions, both bank and non-bank financial institutions in Indonesia in the 2014-2018 period. This study uses the VAR method to process data. The results of this study are contributions from Islamic-based financial institutions in Indonesia. The Islamic capital market has a positive relationship with Islamic life insurance. This happens because, in developing countries like Indonesia, life insurance is more influential than Islamic general insurance. The relationship that occurs in the Islamic capital market and life insurance occurs because of the role of the insurance company that will buy shares in the Islamic capital market. Then, related to a negative relationship between Islamic banking and Islamic insurance. It is because every credit given by the bank will be charged for insurance. The greater the value of the credit, the higher the contribution paid. This will be considered by those who will take credit at the bank. Meanwhile, insurance companies themselves are not bound by two other financial institutions. This happens because insurance companies get capital from third parties or their customers.Keywords: Islamic Financial Institutions, Islamic Capital Markets, Islamic Banking, Islamic Insurance, VARREFFERENCE Adrian, Sutedi. (2011). Pasar modal syariah. Jakarta: Sinar Grafika.Agus D. Hardjito, Martono. (2002). Manajemen keuangan. Edisi Pertama.  Yogyakarta: Ekonisia.Antonio, Karnaen Perwataatmadja dan M. Syafi’i. (1992). Apa dan bagaimana bank Islam. Yogyakarta: Dana Bhakti Wakaf.Dendawijaya, Lukman. (2009). Manajemen perbankan. Jakarta: Ghalia Indonesia.Gujarati, Damodar. (2004). Basic econometrics (ekonometrika dasar). Alih bahasa Sumarno Zain. Jakarta: Penerbit Erlangga.Harris, R. (1995). Cointegration analysis in econometric modelling. New York: Prentice Hall.Iqbal, Muhaimin. (2006). Asuransi umum syariah dalam praktik. Jakarta: Gema Insani.Kurniawan, Todi. (2008). Volatilitas saham syariah (analisis atas Jakarta Islamic Index). Special Edition. Jakarta: Karim Review.Margono. (2004). Metodologi Penelitian Pendidikan. Jakarta: Rineka Cipta.Muhammad Abdulkadir. (2011). Hukum asuransi Indonesia. Edisi 5. Bandung: PT. Citra Aditya Bakti.Mofida, Aini Mufatul. (2011). Metode phillips-perron testuntuk menguji stasioneritas data inflasi. Malang.Nugroho, R.Y. (2009). Analisis faktor penentu pembiayaan perbankan syariah di indonesia: aplikasi model vector error. Tesis tidak diterbitkan. Bogor: Sekolah Pascasarjana, Institut Pertanian Bogor.Otoritas Jasa Keuangan. (2015). Peraturan No 15 / PJOK.04 / 2015 Otoritas Jasa Keuangan, tentang Penerapan Prinsip Syariah di Pasar Modal. Republik Indonesia, Undang-Undang Republik Indonesia Nomor 40 tahun 2014 pasal 1 ayat 30. Tentang Perasuransian.Republik Indonesia. (1995). Undang-Undang Republik Indonesia Nomor 8 tahun 1995 tentang pasar modal (pasar modal)Republik Indonesia. Undang-undang Republik Indonesia pasal 1 (butir 4) UU No. 10 tahun 1998 tentang Perubahan atas UU No. 7 Tahun 1992, tentang PerbankanRusydiana, Aam Slamet. (2009). Mekanisme transmisi syariah pada sistem moneter ganda di indonesia. Bank Indonesia: Buletin Ekonomi Moneter dan Perbankan, 11(4), 345-367.Soemitra, Andri. (2013). Shariah ethical investment products in Indonesian capital market: the debates on their integration process in the transitional stage. Proceeding of Sharia Economics Conference- Hannover. Sugiyono. (2001). Statistika untuk penelitian. Bandung: Alfabeta.
THE EFFECTIVENESS OF ZAKAT, INFAQ, AND SHODAQOH IN ALLEVIATING POVERTY IN INDONESIA: USING BASIC NEEDS DEFICIENCY INDEX Lintang Titian Purbasari; Raditya Sukmana; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp222-233

Abstract

This study aims to examine the role of zakat, infaq and shodaqoh in alleviating poverty in Indonesia for the period 2015-2017. The methodology of this study uses a qualitative approach and the BNDI index is formulated to measure the shortcomings and effectiveness of zakat, infaq and shodaqoh in alleviating poverty. The results obtained from BNDI calculations have been able to explain the effectiveness of zakat, infaq and shodaqoh in alleviating poverty in Indonesia. The calculation results that show large value or close to the value of 1 explains that zakat, infaq, shodaqoh distributed by the BAZNAS Center are not effective in reducing poverty in Indonesia. In the results of this study, there are several provinces with the highest BNDI and the lowest BNDI. This study is expected to be used for policymakers to increase the effectiveness of zakat, infaq, and shodaqoh in alleviating poverty.Keywords: Indonesia, Zakat, Infaq, Shodaqoh, Poverty, Basic Needs Deficiency Index (BNDI).REFFERENCE AA. Anwar Prabu Mangkunegara. (2013). Manajemen sumber daya manusia perusahaan. Bandung: Remaja Rosdakarya.Atabik, Ahmad. 2015. Peranan zakat dalam pengentasan kemiskinan. Jurnal Zakat dan Wakaf, 2(2), 339-361. Chaniago, Siti Aminah. (2015). Pemberdayaan zakat dalam mengentaskan kemiskinan. Jurnal Hukum Islam, 13(1), 47-56.Didin, Hafidhuddin dan Hendri Tanjung. (2003). Manajemen syariah dalam praktik. Jakarta: Gema Insani Press.Etzioni, A. (1964). Modern organizations. Englewood Cliffs: Prentice Hall.Johnston, Melissa P. (2014). Secondary Data Analysis: A Method that which a Time Has Come. Quantitative and Qualitative Methods in Library, 3(3), 619-626.Kementerian Agama Republik Indonesia Tahun. (2016). Alquran dan terjemahan. Bandung: CV Media Fitrah Rabbani.Kuncoro, Mudrajad. (1997). Ekonomi pembangunan, teori masalah dan kebijakan. Yogyakarta: UPP AMP YKPN.Kurniawan, Agung. (2005). Transformasi pelayanan publik. Yogyakarta: Pembaharuan.Lukman Raimi Ashok Patel Ismail Adelopo . (2014). Corporate social responsibility, Waqf system and Zakat system as faith-based model for poverty reduction. World Journal of Entrepreneurship, Management and Sustainable Development, 10(3), 228-242.Muhidin, Sambas Ali. (2009). Konsep efektivitas pembelajaran. Diambil dari http://sambasalim.com/pendidikan/konsep-efektivitas-pembelajaran.htmlMahmudi. (2005). Manajemen kinerja sektor publik. Yogyakarta: UPP AMP YKPN.Mukhadis, Amat. (2013). Evaluasi program pembelajaran bidang teknologi (terminologi, prosedur pengembangan program dan instrumen). Malang: Bayumedia Publishing.Pius A. Partanto dan M. Dahlan al-Barry. (2002). Kamus ilmiah populer. Surabaya: Arkola.Qal‟ahji, Muhammad Rawwas. (1999). Ensiklopedi fiqh Umar ibn al-Khattab. Jakarta: PT. Raja Grafindo Persada.Ryandono, Muhammad Nafik Hadi. (2008). Ekonomi ZISWAQ (zakat, infak, shodaqoh, dan wakaf). Surabaya: IFDI dan Cenforis.Sartika, Cica, M. Yani Balaka, dan Wali Aya Rumbia. (2016). Studi faktor-faktor penyebab kemiskinan masyarakat desa lohia kecamatan lohia kabupaten Muna. Jurnal Ekonomi, 1(1), 106-118.Sedarmayanti. (2009). Sumber daya manusia dan produktivitas kerja. Bandung: Mandar Maju.Sugiyono. (2016). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: PT Alfabet.Todaro, Michael P dan Stephen C. Smith. (2008). Pembangunan ekonomi. Edisi kesembilan. Jakarta: Erlangga.Yin, Robert K. (2015). Studi kasus desain & metode. Jakarta: Rajawali Press.Yin, R.K. (2014). Case study research. Design and methods, 5th ed. London, Thousand Oaks: Sage Publications.www.bps.go.idwww.baznas.go.idwww.humassulbarprov.idwww.sp2010.go.id
THE EFFICIENCY ANALYSIS OF ISLAMIC RURAL BANKS (BPRS) IN EAST JAVA USING DATA ENVELOPMENT ANALYSIS (DEA) FOR 2012-2018 PERIOD Nafilatul Khusnah; Irham Zaki; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp294-304

Abstract

Efficiency is needed by Islamic Rural Bank (BPRS)to facing rivalry in the banking sector. Efficiency can show the performance of BPRS and make BPRS more productive. This study measures the efficiency of Islamic Rural Banks (BPRS) in East Jawa using data envelopment analysis (DEA). DEA is a non-parametric and deterministic methodology for determining relative efficiency. This study used the intermediation approach and output orientation to measure the efficiency of BPRS. Inputs in this study are deposits, labor, and fixed assets. Outputs in this study are financing and other income. The result shows that the inefficiency exists in the BPRS in East Java. From 21 BPRS, which were used as a sample, 17 BPRS are not efficient technically. The inefficiency of BPRS causes BPRS still can not manage its inputs optimally to producing maximum output. To achieve an efficient level, BPRS needs to increase its output and reduce its input.Keywords: Islamic Rural Banks (BPRS), Efficiency, Performance, Data Envelopment Analysis (DEA)REFFERENCE Ali, M. M., & Ascarya. (2010). Analisis Efisiensi Baitul Maal Wat Tamwil dengan pendekatan two stage Data Envelopment Analysis (Studi kasus kantor cabang BMT MMU dan BMT UGT Sidogiri). TAZKIA: Islamic Finance & Business Review, 5(2), 110–125.Ascarya, & Yumanita, D. (2006). Analisis efisiensi perbankan syariah di Indonesia dengan Data Envelopment Analysis. TAZKIA Islamic Finance and Business Review, 1(2), 1–27.Ascarya, & Yumanita, D. (2008). Comparing the efficiency of islamic banks in Malaysia and Indonesia. Buletin Ekonomi Moneter Dan Perbankan, 11(2), 95-119.Ascarya, Yumanita, D., Achsani, N. A., & Rokhimah, G. S. (2010). Measuring the efficiency of islamic banks in Indonesia and Malaysia using parametric and nonparametric approaches. 3rd International Conference on Islamic Banking and Finance. SBP-IRTI. Jakarta, Indonesia.Iqbal, zamir & Mirakhor, Abbas. (2012). The Islamic financial system. In an introduction to islamic finance: theory and practice (pp. 113-136). Singapore: John Wiley & Sons.Khumbakar, Subal C. & Lovell, C.A. knox. (2012). Stochastic frontier analysis, United Kingdom: Cambridge University Press.Nurhandini. (2006). Analisis efisiensi industri perbankan di Indonesia dengan metode non parametrik Data Envelopment Analysis. Skripsi  tidak diterbitkan. Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia.Prasetyo, Muhammad Budi. (2007). Perbandingan pengukuran efisiensi perbankan syariah di Indonesia dengan perbankan syariah di Malaysia pada tahun 2003-2006 dengan metode DEA. Skripsi  tidak diterbitkan. Depok: Fakultas Ekonomi dan Bisnis Universitas Indonesia.https://bps.go.id https://www.ojk.go.id/id/kanal/perbankan/data-dan-statistik/statistik-perbankan-indonesia/default.aspx https://www.ojk.go.id/id/kanal/perbankan/regulasi/peraturan-ojk/Default.aspx https://www.ojk.go.id/waspada-investasi/id/regulasi/Pages/Undang-Undang-Nomor-21-Tahun-2008-Tentang-Perbankan-Syariah.aspx 
THE EFFECT OF FUNDAMENTAL FACTORS AND MACROECONOMIC VARIABLES ON THE CAPITAL BUFFER OF ISLAMIC BANKS Ulis Fajar Choirotun Hisan; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp356-371

Abstract

Banks are trust institutions. The tools that are appropriate to support this trust are the capital adequacy of the bank (capital buffer), related to the ability of banks to detect the risks faced. This study discusses the effects of financing risk (NPF), operational risk (BOPO), market risk (NI), profitability (ROA), bank size (SIZE), Gross Domestic Product (GDP), and money exchange (M2) on buffer capital (M2) CAR) BUS in Indonesia during the period 2010-2018, both partially and simultaneously. The data used are quantitative data with panel data regression methods using statistical tools stata13. This research uses secondary data while the study population is 14 Islamic commercial banks which then obtained a sample of 11 BUS based on the purposive sampling method. NPF, NI, SIZE, GDP, and M2 have a significant effect on CAR, where NI and M2 have a positive effect, and NPF, SIZE, GDP affect negatively. Related to expenditure risk variables, market risk, bank size, GDP, and money that can be issued as determined by the BUS capital buffer in Indonesia in the period 2010-2018. Operational Risk (BOPO) and profitability (ROA) have no significant effect on BUS capital buffers (CAR) in the study period. Regarding implementation of Basel III, funding risk and market risk are significant determinants of capital buffers, and capital buffers are found to be procyclical to Indonesia's finances. Keywords: capital buffer, risk profile, macroeconomic conditions, basel III.REFFERENCEAbusharba, M. T., Triyuwono, I. (2013). Determinants of capital adequacy ratio (CAR) in Indonesian islamic commercial banks. Global Review of Accounting and Finance, 4(1), 159-170. Al-Tamimi, Khaled, A. & Samer, F. (2013). Determinants of capital adequacy in commercial banks of Jordan an empirical study. International Journal of Academic Research in Economics and Management Sciences, 2(4), 44-58. http://dx.doi.org/10.6007/IJAREMS/v2-i4/53Andhika, Y. D. & Suprayogi, N. (2016). Determinan capital adequacy ratio (CAR) bank umum syariah di Indonesia. Jurnal Ekonomi Syariah Teori dan Terapan, 4(4), 312-323.Ardi, Murdoko, S. & Lana, Sularto. (2007). Pengaruh ukuran perusahaan, profitabilitas, leverage, dan tipe kepemilikan perusahaan terhadap luas voluntary disclosure laporan keuangan tahunan. Jurnal Penelitian, 2, 53-61.Awojobi, O., Amel, R., & Norouzi, S. (2011). Analysing risk management in banks: Evidence of bank efficiency and macroeconomic impact. Journal of Money, Investment and Banking. Euro Journals Publishing, Inc. (22) http://mpra.ub.uni-muenchen.de/33590/Baltagi, B. H. (2005). Econometric analysis of panel data. Chichester: John Willwy & Sons.BI. (2011). Peraturan Bank Indonesia No 13/1/PBI/2011 tentang Penilaian Tingkat Kesehatan Bank Umum. Jakarta: Bank Indonesia.__. (2013). Peraturan Bank Indonesia Nomor 15/12/PBI/2013 tentang Kewajiban Penyediaan Modal Minimum Bank Umum. Jakarta: Bank Indonesia.Bouheni, F. B., & Houssem R. (2015). Bank capital adequacy requirements and risk-taking behavior in Tunisia: A simultaneous equations framework. The Journal of Applied Business Research, 31(1), 231-238.Dendrawijaya, L. (2009). Manajemen perbankan. Jakarta: Ghalia Indonesia.Fatimah, S. (2013). Pengaruh rentabilitas, efisiensi, dan likuiditas terhadap kecukupan modal bank umum syariah. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah, 6(1), 42-58.Ghozali, I. (2011). Aplikasi analisis multivariate dengan program SPSS. Semarang:  Universitas Diponegoro.Greuning, H. V., dan Iqbal, Z. (2011). Risk analysis for islamic banks: Analisis risiko perbankan syariah. Jakarta: Salemba Empat.Gujarati, D.N. (2006). Dasar-Dasar Ekonometrika Edisi 5 Jilid 1. Jakarta: Erlangga.Hempel, G. H., Coleman, A. B., & Simonson, D. G. (1986). Bank management, text and case. New York: John Wiley & Sons.Hengkeng, J. A. Walewangko, E. N., & Niode A. O. (2018). Analisis faktor-faktor yang mempengarui capital adequacy ratio bank sulut-go tahun 2002.I-2017.IV.Jurnal Berkala Ilmiah Efisiensi, 18(4), 84-95.Ikatan Bankir Indonesia (IBI) dan Banker Association for Risk Management (BARa). 2015. Manajemen risiko 1. Edisi 1. Jakarta: PT Gramedia Pustaka Utama.Johnson, F. P., & Richard, D. J. (1985). Commercial bank management. New York: The Dryden Press.Karim, A. A. (2004). Bank Islam: Analisis fiqih dan keuangan. Jakarta: RajaGrafindo Persada.Karim, A. A. (2007). Ekonomi makro Islami. Jakarta: Raja Grafindo Persada.Koch, T. W., & MacDonald, S. S. (2003). Bank management. Fifth Edition. Ohio: South-Western Thomson.Mankiw, N. G., Quah, E., & Wilson, P. (2014). Pengantar ekonomi makro: Edisi Asia. Jakarta: Salemba Empat.Mili, M., Sahut, J.M., Trimeche H., & Teulon, F. (2016). Determinants of the capital adequacy ratio of foreign banks’ subsidiaries: The role of interbank market and regulation. Research in International Business and Finance, 42(C), 442-453.  http://dx.doi.org/doi:10.1016/j.ribaf.2016.02.002Muhammad. (2005). Manajemen bank syari’ah. Yogyakarta: UPP STIM YKPN.OJK. (2019). Statistik perbankan syariah. Jakarta: Otoritas Jasa Keuangan.___. (2015). Surat Edaran Otoritas Jasa Keuangan No. 34/SEOJK.03/2015 tentang perhitungan aset tertimbang menurut risiko untuk risiko kredit menggunakan metode standar bagi Bank Umum Syariah. Jakarta: Otoritas Jasa Keuangan.___. (2019). OJK Terapkan Perhitungan Risiko Pasar Basel III Terbaru. SP 02/DHMS/OJK/I/2019. Jakarta: Otoritas Jasa Keuangan.Shehzad, C. T., Haan, J.d., & Scholtens, B. (2010). The impact of bank ownership concentration on impaired loans and capital adequacy. Journal of Banking & Finance, 34(2), 399-408.Shingjergji, A., & Marsida, H. (2015). The determinants of the capital adequacy ratio in the Albanian banking system during 2007-2014. International Journal of Economics, Commerce and Management, 3(1), 1-10.Sutrisno. (2018). Factors determinant of bank capital buffer: empirical study on islamic rural banking in indonesia. Advances in Social Science, Education and Humanities Research. Proceedings of the 15th International Symposium on Management (INSYMA 2018).Taswan. (2013). Akuntansi perbankan: Transaksi dalam valuta rupiah. Edisi Tiga. Yogyakarta: UPP STIM YKPN.Umam, K. (2013). Manajemen perbankan syariah. Bandung: CV Pustaka Setia.UU RI. (2008). Perbankan Syariah. Jakarta: Undang-Undang Republik Indonesia.Wilara, G. R. dan Agus, T. B. (2016). Determinan ketahanan modal bank syariah di Indonesia: Pendekatan ECM. Jurnal Ekonomi & Studi Pembangunan, 17(2), 157-167.William, H. T. (2011). Determinants of capital adequacy in the banking sub-sector of the Nigeria eEconomy: Efficacy of camels. (A model specification with co-integration analysis).International Journal of Academic Research in Business and Social Sciences, 1(3), 233-248.Yolanda. (2017). Capital adequacy ratio and its influencing factors on the islamic banking in Indonesia.Journal of Islamic Economics and Business, 2(2), 162-176.
THE ANALYSIS OF INTERNAL FACTORS AFFECTING THE LIQUIDITY OF SOVEREIGN SUKUK IN INDONESIA Arien Rosetika; Salahuddin El Ayyubi; Widyastutik Widyastutik
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp234-253

Abstract

Indonesian sovereign Sukuk has lower liquidity than the foreign bond. Sukuk liquidity is measured by total return and trade volume in the secondary market from June 2015 until May 2017. This study aims to analyze the internal determinant factors of sovereign Sukuk liquidity in Indonesia. The method used in this study is Panel Data analysis. The variables used in this study are liquidity, outstanding, coupon rate, time to maturity and age. The study results show that outstanding is significantly positive as the determinant of liquidity of sovereign Sukuk in Indonesia. Variables of time to maturity and age are significantly negative as the determinant of liquidity of sovereign Sukuk in Indonesia. Meanwhile, the coupon rate variable is not significant as the determinant of liquidity of sovereign Sukuk in Indonesia. Keywords: Liquidity, Outstanding, Coupon Rate, Time to Maturity, Age, Sovereign  Sukuk, Panel Data AnalysisREFFERENCE Accounting and Auditing Organization for Islamic Financial Institutions. (2003). Sukuk [Internet]. [diunduh 2016 Nov 22]. Tersedia pada: http://www.aaoifi.com.Alexander GJ, Edwards AK, Ferri MG. (2000). The determinants of trading volume of high yield corporate bonds. Journal of Financial markets, 3(1), 177-204.Bao J, Pan J, Wang J. (2008). Liquidity of corporate bonds. Journal of Financial Economics 44(1): 628-650.Badan Pengawas Pasar Modal dan Lembaga Keuangan. (2009). Keputusan BAPEPAM  No.123/BAPEPAM/LK/IX/2009 tentang Efek Syariah. Jakarta (ID): Badan Pengawas Pasar Modal dan Lembaga Keuangan.Bursa Efek Indonesia. (2015). IDX monthly statistics Juni – Desember 2015 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.bei.go.id.Bursa Efek Indonesia. (2016). IDX monthly statistics Januari – Desember 2016 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.bei.go.id.Bursa Efek Indonesia. (2017). IDX monthly statistics Januari – Mei 2017 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.bei.go.id.Bursa Efek Indonesia. (2017). IDX statistics 1st quarter 2017 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.bei.go.id.Bursa Efek Indonesia. (2017). Indonesia bond indexes fact sheet Juli 2017 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.bei.go.id.Bank Indonesia. (2017). Data outstanding sukuk negara  2006-2017 [internet]. [diunduh 2017 Juli 28]. Tersedia pada: http://www.bi.go.idBunaidy MR. (2012). Analisis Deskriptif Likuiditas Obligasi Pemerintah Republik Indonesia. Tesis tidak diterbitkan. Depok: Universitas Indonesia.Direktorat Jenderal Pengelolaan Pembiayaan dan Resiko. (2015). Outstanding Surat Berharga Negara 2015 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.djppr.go.id Direktorat Jenderal Pengelolaan Pembiayaan dan Resiko. (2015). Sukuk Negara: Instrumen Keuangan Berbasis Syariah. Jakarta: Kementrian Keuangan.Direktorat Jenderal Pengelolaan Pembiayaan dan Resiko. (2016). Course on sukuk: sharia and operational aspects. Jakarta: Kementrian Keuangan.Direktorat Jenderal Pengelolaan Pembiayaan dan Resiko. (2016). Outstanding Surat Berharga Negara 2016 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.djppr.go.idDirektorat Jenderal Pengelolaan Pembiayaan dan Resiko. (2017). Istilah umum terkait dengan investasi pada Surat Utang Negara. Jakarta: Kementrian keuanganDirektorat Jendral Pengelolaan Pembiayaan dan Resiko. (2017). Outstanding Surat Berharga Negara 2017 [Internet]. [diunduh 2017 Sep 22]. Tersedia pada: http://www.djppr.go.idDewan Syariah Nasional Majelis Ulama Indonesia. (2002). Fatwa DSN No.32/DSN-MUI/MUI/IX/2002 tentang Obligasi Syariah. Jakarta: Dewan Syariah Nasional MUI.Elton EJ, Gruber MJ, Agrawal D. (2002). Factors Affecting the Valuation of Corporate Bonds [Working Paper]. New York, USA: New York University.Ericsson J, Renault O. (2001). Liquidity and Credit Risk. Journal ofFinance, 6(1), 2219-2250.Fabozzi, FJ. 2000. Manajemen investasi. Jakarta: Salemba 4.Fatah DA. (2011). Perkembangan obligasi syariah (sukuk) di Indonesia: Analisis peluang dan tantangan. Jurnal Al-‘Adalah, 10(1), 35-45. Firdaus M. (2011). Aplikasi ekonometrika untuk data panel dan time series. Bogor: IPB Pr.Friewald N, Jankowitsch R, Subrahmanyam MG. (2010). Illiquidity or credit deterioration: A study of liquidity in the US corporate bond market during financial crises. Journal of Financial Economics, 105(2), 18-36.Gujarati D. (2003). Ekonometrika dasar. Jakarta: Erlangga.Hariyanto. (2010). Sukuk Negara Ritel [Internet]. [diunduh 2017 Nov 3]. Tersedia pada: http://www.ojk.go.id.Harris, Said R, Suhaimi WN. (2012). Determinants of Islamic Bonds (Sukuk): Evidence in Malaysia. Malaysian Journal of Accounting Research, 3(1), 123-133.Hastin M, Idris, Aimon H. (2013). Analisis pasar obligasi pemerintah di Indonesia. Jurnal Kajian Ekonomi, 1(1), 12-22.Houweling P, Mentink A, Vorst T. (2004).  Comparing  possible proxies of corporate bond liquidity. Journalof Banking & Finance, 29(1), 1331-1358.Huang GC, Liano K, Pan MS. (2013). The Information Content of Stock Splits. Journal of Empirical Finance, 16(4), 557-567.Huang JY, Wang SS, Huang JM. (2013). Empirical Analysis of Liquidity Risk Premium Based on Bond Age.  WSEAS Transaction on Business and Economics, 10(4), 316-325.Huda, Nasution ME. (2007). Investasi pada pasar modal syariah. Jakarta: Prenada Media Grop.Juanda B, Junaidi. (2012). Ekonometrika deret waktu teori dan aplikasi. Bogor: IPB Press.Mahanti S, Chacko G, Malik G. (2005). The determinants of liquidity in the corporate bond markets: an application of latent liquidity. Journal of Financial Economics, 88(1), 272-298.Mahanti S, Nashikkar A, Subrahmanyam M. (2008). Latent liquidity: a new measure of liquidity, with an application to corporate bonds. Journal of Financial Economics, 7(1), 211-233.Manurung AH, Adianto D. (2011). Analisis faktor-faktor yang memengaruhi likuiditas obligasi. Journal of Accounting Research, 6(1), 123-133.McGinty L. (2001). Issue size versus liquidity in credit. J.P. Morgan Fixed Income Research, 19(2), 61-77.Nafik, M. (2008). Bursa efek dan investasi syariah. Jakarta: Sinar Grafika.
THE ANALYSIS OF FACTORS AFFECTING ASSET GROWTH IN SHARIA INSURANCE COMPANIES FOR THE 2013 – 2017 PERIOD Alien Lilavira; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp305-318

Abstract

This study aims to determine the effect of Operational Costs, Growth in Investment Returns, Contribution and Profitability to Asset Growth in Sharia Insurance Companies in Indonesia 2013-2017. This study uses a quantitative approach. The analysis technique used is multiple linear regression analysis. This study uses 21 data samples. Data is obtained from each of the Sharia Insurance Company's Financial Reports. The results showed that the variables of operational costs, growth in investment returns, contributions and profitability have a significant effect on asset growth simultaneously in sharia insurance companies in Indonesia. The variables of growth in investment returns, contributions and profitability have a significant positive effect partially, while the operational cost variable has no significant effect.Keywords: Operating Costs, Growth in Investment Returns, Contribution, Profitability, Asset GrowthREFFERENCE Ali, Hasan AM. (2004). Asuransi dalam Perfektif Hukum Islam: Suatu Tinjauan Analisis Historis, Teoritis, & Praktis. Jakarta: Kencana.Ali, Zinuddin. (2008). Hukum Asuransi Syariah. Jakarta: Sinar Grafika.Amrin, Abdullah. (2006). Asuransi Syariah. Jakarta: Elex Media Komputindo.Anshori, Muslich dan Sri Iswati. (2009). Buku ajar metodologi peneitian kuantitatif. Surabaya: Airlangga University Press.Ansori dan Iswati. (2009). Metodologi penelitian kuantitatif. Surabaya: Airlangga University Press Ghozali, I. (2006). Analisis Multivariate dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.Ghozali, Imam. (2011). Aplikasi analisis multivariate dengan program IBM SPSS 19. Semarang: Badan Penerbit Universitas Diponegoro.Kasmir. (2008). Analisis laporan keuangan. Jakarta: PT Raja Grafindo Persada.Kasmir. (20140. Analisa laporan keuangan. Depok: Rajawali Pers.Kementerian Agama. (2019). Website Al-Qur’an kementerian agama. Jakarta: Kementerian Agama.Kurniawan, Robert dan Yuniarto, Budi. (2016). Analisis regresi. Jakarta: Kencana Prenada Media Group.Otoritas Jasa Keuangan. (2015). Jumlah perusahaan dan unit asuransi syariah, (Online), (http://www.ojk.go.id) PT Adira Dinamika. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.asuransiadira.com) PT AIA Financial. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.aia-financial .co.id)PT Allianz Life Indonesia. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.alamin-insurance.com)PT Astra Buana. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.asuransiastra.com)PT Asuransi Allianz Utama. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.allianz.co.id) PT Asuransi Jiwa Al-amin. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.alamin-insurance.com) PT Asuransi Takaful Keluarga. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.takaful.co.id) PT Asuransi Umum Mega. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.megainsurance.co.id) PT AXA Financial. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.axa.co.id) PT Bangun Askrida. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.askrida.com) PT Bringin Jiwa Sejahtera. (2019). Laporan Keuangan Unit Syariah, (Online), (https://www.bringinlife.co.id) PT Central Asia. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.car.co.id) PT Jiwa Manulife Indonesia. (2019). Laporan Keuangan Unit Syariah, (Online), (https://www.manulife-indonesia.com) PT Jiwa Sinarmas. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.sinarmas.co.id) PT Panin Daichi Life. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.panindai-ichilife.co.id) PT Prudential Life Assurance. (2019). Laporan Keuangan Unit Syariah, (Online), (http:www.prudential.co.id) PT Ramayana. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.ramayanainsurance.com) PT Staco Mandiri. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.stacoinsurance.com) PT Toko Marine Life Insurance. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.tokiomarine.com) PT Tugu Pratama. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.tugu.com) Ramadhani, H. (2015). Prospek dan Tantangan Perkembangan Asuransi Ssyariah di Indonesia. Jurnal Ekonomi dan Bisnis Islam, 1(1), 57-66.Salman, S. A. (2014). Countemporary Issues in Takaful (Islamic Insurance). Journal Asian Social Science, 10(22), 210-216.Sarjono, Haryadi dan Julianita, Winda. (2011). SPSS vs LISREL. Jakarta: Salemba Empat.Sastri, I. A. I.P., dkk. (2017). Pengaruh pendapatan premi, hasil investasi, dan risk based capital terhadap laba perusahaan asuransi. E-jounal Akuntansi, 7(1), 1-11.Soemitra, Andri. (2009). Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana Pranada Media Group.Sugiyono. (2015). Metode penelitian kuantitatif, kualitatif, dan R & D. Bandung: Alfabeta.Suhardi & Karmawan. (2007). Konsep aset: (tinjauan statement of financial accounting concept vs standar akutansi keuangan). Journal Equity, 1(1), 7-18.Sula, Muhammad Syakir. (2004). Asuransi syariah (life and general). Jakarta: Gema Insani.Sutama, I. P., & Sastrodiharjo, I. (2015). Faktor-faktor yang mempengaruhi pertumbuhan aset perusahaan asuransi jiwa non syariah di Indonesia. Jurnal Akuntabilitas, 8(1), 18-38Yudiatmaja, F. (2013). Analisis regresi dengan menggunakan aplikasi computer stataistik SPSS. Jakarta: PT Gramedia Pustaka Utama.
THE INFLUENCE OF ZAKAT INFAK SEDEKAH (ZIS) ON UNEMPLOYMENT IN INDONESIA: AUTOREGRESSIVE DISTRIBUTED LAG (ARDL) METHOD Tunjung Pramesti Zahra; Ilmiawan Auwalin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp372-388

Abstract

This study aims to determine the effect of Zakah Infaq Shadaqah (ZIS) funds channeled by the National Amil Zakat Agency/Badan Amil Zakat Nasional (BAZNAS) on unemployment in Indonesia during 2002-2017. The study was conducted using a quantitative approach. The control variables used for this research are Gross Domestic Product (GDP), education level, investment, and government subsidies. The analysis technique used is Autoregressive Ditributed Lags (ARDL). The data in this study were obtained from the Central Statistics Agency page, BAZNAS, and Indonesian State Budget (Anggaran Pendapatan dan Belanja Negara). The research results partially in short term shows that ZIS has a positive and significant effect on unemployment. While partially long-term research results, ZIS has a negative and significant effect on unemployment. Simultaneously, the variable ZIS, GDP, education level, investment, and government subsidies have significant effects in the short and long term on unemployment in Indonesia in 2002-2017.Keywords: Zakat, Infaq, Shadaqah, Unemployment, Gross Domestic Product, Education Level, Investment, Subsidies, BAZNASREFFERENCE Abdullah, M. dan Sapiei, N. S. (2018). Do religiosity, gender and educational background influence zakat compliance? The case of Malaysia. International Journal of Social Economics, 45(8), 1250-1264.Al-Arif, M. N. R. (2010). Efek pengganda zakat serta implikasinya terhadap program pengentasan kemiskinan. Jurnal Ekbisi Fakultas Syariah UIN Sunan Kalijaga Yogyakarta, 5(1), 42-49.Al-Qardhawi, Y. (2011). Fiqh Al-Zakah (Volume 1). Jeddah: King Abudulaziz University.______________. (2011). Fiqh Al-Zakah (Volume 2). Jeddah: King Abudulaziz University.An-Nabhani. (2004). An-Nizham Al-Iqtishadi fi al-Islam, Cetakan VI. Beirut: Darul Ummah.Anshori, M. dan Iswati, S. (2009). Metodologi penelitian kuantitatif. Surabaya: Airlangga University Press.Badan Pusat Statistik. (2018). Keadaan ketenagakerjaan Indonesia Agustus 2018. Jakarta: Badan Pusat Statistik.Handoko, R. dan Patriadi, P. (2005). Evaluasi Kebijakan Subsidi Non BBM. Kajian Ekonomi dan Keuangan, 9(4), 42-64.Jalaludin, H. (2017). Filsafat pendidikan Islam dari zaman ke zaman. Jakarta: Rajawali Pers.Karim, A. A. (2014). Ekonomi Makro Islami. Jakarta: Rajawali Pers.Kurniawan, A. B. (2014). Analisis pengaruh pertumbuhan ekonomi, upahminimum, dan investasi terhadap jumlah pengangguran di KabupatenGresik. Jurnal Ilmiah Mahasiswa FEB. Malang: Universitas Brawijaya.Kurniawati, L. (2017). Dampak penurunan subsidi bahan bakar minyak: analisis sistem neraca sosial ekonomi Indonesia. Jurnal Info Artha, 1(2), 91-110.Mariyanti, T. dan Mahfudz, A. A. (2016). Dynamic circular causation model in poverty alleviation: Empirical evidence from Indonesia. Humanomics, 32(3), 275-299.Nasrullah, M. (2016). Peran zakat sebagai pendorong multiplier ekonomi. Jurnal Hukum Islam, 8(1), 108-119. Nasution, dkk. (2015). Pengenalan eksklusif ekonomi Islam. Jakarta: Prenadamedia Group.Sukirno, S. (2000). Makro ekonomi modern. Jakarta: Penerbit PT Raja Grafindo Persada. ________. (2006). Makroekonomi teori pengantar. Jakarta: PT Raja Grafindo Persada.Sulaiman, A. S. J. (2015). An empirical study on the influence of Islamic values in poverty alleviation. Journal of Islamic Accounting and Business Research, 6(2), 222-243.Swaramarinda, D. R. (2014). Analisis dampak pengangguran terhadap kemiskinan di DKI Jakarta.  Jurnal Ekonomi dan Bisnis (JPEB), 2(2), 63-70.Tambunan, T. (2001). Perdagangan internasional dan neraca pembayaran. Cetakan Pertama. Jakarta: LPFE-UI.Weber, B. A. (2002). The link between unemployment and returns to education: evidence from 14 European countries. Education + Training, 44(4/5), 171-178.Zhang, H., A, R., dan Zhong, Q. (2019). Anti-corruption, government subsidies, and investment efficiency. China Journal of Accounting Research, 12(1), 113-133.
THE SYSTEM OF JOINT RESPONSIBILITY IN ASSAKINAH COOPERATIVE AS THE IMPLEMENTATION OF TA'AWUN Ainaul Mardliyyah; Muhammad Nafik Hadi Ryandono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp254-268

Abstract

This research aims to determine how the application of ta'awun in the joint responsibility system in the Assakinah cooperative. The method used in this research is a qualitative approach with a case study method. The object of this research is the Assakinah cooperative in Sidoarjo. Data was collected by interviewing five informants, namely, head of the cooperative, the secretary, treasurer, group assistant and group leader. The results of this research indicate that the implementation of the joint responsibility system that exists in Assakinah cooperatives is in accordance with two Islamic teachings, namely, musyawarah or mufakat and mutual cooperation. However, the joint responsibility system that exists in Assakinah cooperatives is not yet fully joint responsibility. This is because in practice, members that are unable to pay their debts, not always getting help from the group.Keywords: Ta’awun, sharia cooperative, Joint Liability, joint responsibility.REFFERENCE Ajija, Shochrul Rohmatul, dkk. (2018). Koperasi BMT teori, aplikasi dan inovasi. Karanganyar: CV Inti Media Komunika.Buchori, Nur S. (2012). Koperasi syari’ah teori dan praktik. Banten: Pustaka Aufa Media.Ismail, Iriani. (2011). Koperasi dan usaha mikro kecil menengah. Malang: Lembaga Penerbitan Fakultas Pertanian Universitas Brawijaya Jatman, Darmanto. dkk. (2001). Bunga rampai tanggung renteng. Malang: Limpad.K. Yin, Robert. (2011). Studi kasus: Desain dan metode. Jakarta: PT. RajaGrafindo Persada.K. Yin, Robert. (2015). Studi kasus: Desain dan metode. Jakarta: PT. RajaGrafindo Persada.Qomaro, Galuh Widitya dan Oktasari, Armyza. (2018). Manisfestasi konsep ta'awun dalam zaakwaarneming perspektif hukum perikatan. Jurnal Et-Tijarie, 5(1), 11-25.

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