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INDONESIA
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.
Arjuna Subject : -
Articles 1,152 Documents
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IMPLEMENTASI FATWA DSN-MUI PADA PRODUK ARRUM HAJI DI PEGADAIAN SYARIAH CABANG BABAKAN SURABAYA Aulia Nabila Luthfina; A. Syifa'ul Qulub
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 12 (2019): Desember-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201912pp2568-2580

Abstract

Arrum Haji products are one of the product innovations developed by Sharia Pawnshops precisely in 2016 after the banning of hajj bailout products offered by Islamic banking. In its development, Arrum Haji products cannot be separated from obstacles. One of them is that not many people know the whole product of Arrum Hajj and sharia whether or not the product. So that this study will explain the entire Arrum Haji product and review its Islamic compliance based on the provisions of the DSN-MUI Fatwa. This study uses qualitative methods with descriptive case study strategies. The object of this study is the Babakan Surabaya Islamic pawnshop. Data retrieval is done by interviewing 4 informants consisting of 3 sharia pawnshops staff Babakan Surabaya and General Secretary of the DSN-MUI in East Java. Interpretation and conclusions are made by linking between data obtained in interviews and documentation. The results showed that the Arrum Haji product was an innovation for hajj bailout products whose operations had followed the provisions of the DSN-MUI fatwa. Arrum Haji products are not the same as hajj bailout products, because both have different ujrah systems.Keywords: Shari’a Pawnshop, Arrum Haji Products, Sharia Compliant, DSN-MUI
EFISIENSI KERJA SAMA PENJAMINAN PEMBIAYAAN BANK SYARIAH DI LEMBAGA PENJAMINAN SYARIAH Ulfa Dwi Nurfajrina; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 12 (2019): Desember-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201912pp2435-2450

Abstract

This research purpose to analyze of financing guarantee cooperation agreement between PT. Jamkrindo Syariah Surabaya Branch and Islamic Banks. This research also analyze the comparison of the efficiency level of Islamic Bank to measure the performance of each Sharia banks. Efficiency measurement is calculated using the Data Envelopment Analysis (DEA) method with an intermediation approach. The results showed that the implementation of such cooperation was not entirely in accordance with the DSN-MUI and OJK, while the results of efficiency level analysis of the four Islamic bank partners showed that there was one bank that had an efficiency value less than 1 (inefficiency), so that the performance was not optimal. Whereas other Sharia banks have achieved perfect efficiency of 100%, which means they have achieved optimal performance.Keywords: Efficiency, Data Envelopment Analysis (DEA),Financing Guarantee, Islamic Bank
TEKNIK MITIGASI RISIKO PEMBIAYAAN PEMILIKAN RUMAH (PPR) SYARIAH PADA DEVELOPER PROPERTI SYARIAH Nur Sa’diyah; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 9 (2019): September-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20199pp1814-1829

Abstract

The purpose of this study is to find out the technique of risk mitigation in home ownership financing (PPR) conducted by PT Indo Tata Graha. This study uses qualitative approach with descriptive case study strategy. The data in this study were obtained through primary data in the form of interviews and secondary data in the form of documentation. The results of this study indicate that the risk of home ownership financing (PPR) consists of risks of cancel, default risk, risk of miss manage and the risk of delays in the delivery of goods). To minimize the occurrence of losses and impacts due to risk, Sharia Property Developer has risk mitigation carried out which is divided into two stages, namely before the occurrence of risk and after the occurrence of risk.Keywords: house ownership financing (PPR), PT Indo Tata Graha, risk in house ownership financing, risk mitigation of sharia property developerREFFERENCESAditya, Oka dan Prima Naomi. 2017. Penerapan Manajemen Risiko Perusahaan dan Nilai Perusahaan di Sektor Konstruksi dan Properti. Jurnal Bisnis dan Manajemen 7 (2), 167 – 180.Alijoyo, Antonius. 2006. Enterprise Risk Management : Pendekatan Praktis. Jakarta : Ray Indonesia.Amir, Kurniati. (2017). Peran Agunan Dalam Penyelesaian Pembiayaan Mikro Bermasalah. Skripsi. Universitas Islam Negeri Raden Intan.Arikunto, Suharsimi. 2003. Manajemen Penelitian. Jakarta : Rineka Cipta.Badan Pusat Statistik. (2015).Bank Indonesia. 2011. Peraturan Bank Indonesia No.13/14/2011 tentang Penanganan Pembiayaan Bermasalah.Bank Indonesia. 2012. Surat Edaran Bank Indonesia No.14/33/DPbS tanggal 27 November 2012 Perihal Penerapan Kebijakan produk Pembiayaan Kepemilikan Rumah dan Pembiayaan Kendaraan Bermotor bagi Bank Umum Syariah dan Unit Usaha Syariah.Dorian, Lisa. 2011. Understanding Risk Mitigation. Industry Insight: A Newsletter for CAs in Industry. Publish by the Institute of Chartered Accountants of British Columbia.Firrizqi, Alfinia. 2018. Manajemen Risiko Pembiayaan Pemilikan Rumah (PPR) Non Bank oleh Developer (Studi Kasus: Sabrina Azzura Bekasi). Skripsi. Universitas Airlangga.https://tafsirq.com/31-luqman/ayat-34#tafsir-quraish-shihab (diakses pada 5 Februari 2019).Idris, Munadi. 2014. Implementasi Pembiayaan Pemilikan Rumah (PPR) Syariah Studi Kasus Pada Griya Ar-Roya Di Kota Makassar. Tesis. Pascasarjana UIN Makassar.Ismail. 2010. Manajemen Perbankan dari Teori Menuju Aplikasi.Jakarta : Kencana.Khan, Tariqullah and Habis Ahmed. (2008). Manajemen Risiko Lembaga Keuangan Syariah. Jakarta: Bumi Aksara.Kountur, Ronny. 2008. Mudah Memahami Manajemen Risiko Perusahaan. Jakarta:PPM.Lestari. 2014. Risiko Pembiayaan Dalam Akad Istishna Pada Bank Umum Syariah,  Jurnal Hukum dan Ekonomi Syari’ah, 2 (1).Nawawi. 1990. Metode PenelitianBidang Sosial. UGM Press.Rustam, B. R. 2013. Manajemen Risiko Perbankan Syariah di Indonesia. Jakarta: Salemba Empat.Shihab, M. Quraish. 2002. Tafsir Al-Mishbah. Jakarta : Lentera Hati 2.Undang-Undang Negara Republik Indonesia No.10 Tahun 1998 tentang Perbankan Pasal 1 ayat 2.
PERBANDINGAN TINGKAT PENGHASILAN ANTARA LAKI-LAKI LAJANG DAN LAKI-LAKI MENIKAH PERSPEKTIF ISLAM (STUDI PADA PENDUDUK LAKI-LAKI INDONESIA BERDASARKAN DATA INDONESIAN FAMILY LIFE SURVEY TAHUN 2007 DAN 2014) Frendi Prayogo; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 3 (2019): Maret-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20193pp411-427

Abstract

Marriage is worship that exemplified by Rasulullah PBUH. The purpose of marriage is making a happy family. However, economic barriers are commonly used to delay marriage even though God promises wealth for married people. The purpose of this study was to analyze the ratio of income levels between single men and married men in Indonesia based on the Islamic perspective. Subjects in this study were individuals in households aged 15 years or older who were individuals in the Indonesian Family Life Survey (IFLS) study of 24 provinces in Indonesia. This research is a quantitative research by using Mann-Whitney and Wilcoxon test. The sampling used is the documentation technique. The data used are taken from the IFLS-4 data in 2007 and IFLS-5 in 2014. The results showed that there was a significant difference in income level between a group of single men and a group of married men and there was a significant difference in income level between before and after marriage in the same sample.Keywords: Single, Married, Income Level, Islamic PerspectiveREFERENCESAbdurahman. 1992. Kompilasi Hukum Islam di Indonesia. Jakarta: Akademika PressindoAbul Hasan, Muslim. Tanpa Tahun. Shahih Muslim II. Semarang: Toha PutraAhituv, Avner dan Robert I Lerman. 2007. How Do Marital Status, Work Effort, And Wage Rates Interact?. Demography, 44 (3): s623–647Al Bigha, Mushthafa. 2008. Fikih Manhaji. Terjemahan oleh Misran. 2012. Yogyakarta. Darul UswahAtabik, Ahmad dan Khoridatul Mudhilah. 2014. Pernikahan dan Hikmahnya Perspektif Islam. Yudisia, 5 (2): 286-316Dalmia, Sonia, dkk. 2016. Marriage and Men’s Earnings: Specialization and Cross-Productivity Effects. Eastern Economic Journal. (42): 335-348Departemen Agama Republik Indonesia. 2007. Mushaf Al Qur’an Terjemah. Jakarta: Tim Penerbitan Gema Insani Al HudaDiana, Rachmy. 2008. Penundaan Pernikahan: Perspektif Islam dan Psikologi. Jurnal Psikologi, 1 (2): 163-182Dunga, Steven Henry. 2017. A Gender and Marital Status Analysis of Household Income in A Low-Income Township. Studia Universitatis Babes-Bolyai Oeconomica, 62 (1): 20-30Furqon. 1999. Statistika Terapan untuk Penelitian. Bandung: Alfabeta.Ghazaly, Hamid. Tanpa Tahun. Ihya’ Ulumuddin. Terjemahan oleh Ismail Yakub. 1971. Beirut : Dar al FikrHewitt, Belinda, dkk. 2002. Marriage and Money: The Impact of Marriage on Men’s and Women’s Earnings. Makalah dipresentasikan pada Australian Sociological Conference, Brisbane.Hewitt, Belinda, dkk. 2002. Marriage and Money: The Impact of Marriage on Men’s and Women’s Earnings. Makalah disajikan dalam Australian Sociological Conference. Brisbane.Ikatan Akuntan Indonesia. 2009. Kerangka Dasar Penyusunan dan Penyajian Laporan Keuangan. Jakarta:  Salemba Empat____________________. 2009. Standar Akuntansi Keuangan (SAK) Tahun 2009. Jakarta:  Salemba EmpatIndriantoro, Nur dan Bambang Supomo. 2002. Metodologi Penelitian Bisnis. Yogyakarta: Penerbit BPFE Yogyakarta  Ismatulloh, A. M.. 2015. Konsep Sakinah, Mawaddah, dan Rahmah dalam Al Qur’an (Perspektif Penafsiran Kitab Al Qur’an dan Tafsirnya). Jurnal Mazahib, (Online), Jilid XIV, No. 1, (https://media.neliti.com, diakses 19 Agustus 2017).Iswati, Sri dan Muslich Anshori. 2009. Buku Ajar Metodologi Penelitian Kuantitaif. Surabaya: Airlangga University PressKamal, Muchtar. 2004. Asas-asas Hukum Islam Tentang Perkawinan. Jakarta: Bulan BintangKBBI, 2017. Kamus Besar Bahasa Indonesia (KBBI), (Online), (http://kbbi.web.id/pusat, diakses 21 Agustus 2017).Kuheba, Jefier Andrew, dkk. 2016. Perbandingan Penghasilan Usaha Tani Campuran Berdasarkan Pengelompokan Jenis Tanaman. Agri-Sosioekonomi Unsrat, 12 (2A): 77 - 90Kuheba, Jefier Andrew. 2016. Perbandingan Pendapatan Usahatani Campuran Berdasarkan Pengelompokan Jenis Tanaman. Jurnal Agri-Sosiologi Unsrat, 12 (2A): 77-99Kurniawati, Novi. 2012. Pernikahan Usia Dini dan Posisi Perempuan dalam Keluarga.  Skripsi Tidak Diterbitkan. Bandung Universitas Islam BandungLoughran, David S dan Julie M. Zissimopoulos. 2004. Are There Gains to Delaying Marriage? The Effect of Age at First Marriage on Career Development and Wages. Makalah merupakan bagian dari riset RAND Labor and Population working paper series, November 8, Santa Monica.Mahalli, A. Mudjab. 2003. Menikahlah, Engkau Menjadi Kaya. Cetakan Ketiga. Yogyakarta: Mitra PustakaMunawwaroh, Latifah. 2017. Penggunaan Kaidah Fiqhiyyah “Al-Khuruj Min Al-Khilaf Mustahab” Terkait Bab Ibadah dalam Kitab I’anat Al Thalibin. Jurnal Nuansa, (Online), Jilid 14 No. 1, (https://ejournal.stainpamekasan.ac.id, diakses 19 Agustus 2017).Razaq, Abu Hafs. 1998. Panduan lengkap Nikah (dari “A” sampai “Z”). Terjemahan oleh Ahmad Saikhu. 2006. Bogor. Pustaka Ibnu KatsirRofiq, Ahmad. 2012. Hukum Perdata Islam di Indonesia. Edisi Revisi. Jakarta: Rajawali Pers.Sabiq, Sayyid. Tanpa Tahun. Fiqhus Sunnah Jilid 2. Terjemahan oleh Moh. Abidun. 2008. Jakarta: Pena Pundi AksaraSantrock, J. W. Tanpa Tahun. Adolescence. Terjemahan oleh Shinto B. Adelar dan SherlySari, Fitri. 2012. Kesiapan Menikah Pada Dewasa Muda dan Pengaruhnya terhadap Usia Menikah. Skripsi Tidak Diterbitkan. Bogor Ekologi Manusia Institut Pertanian BogorSasmita, Elvin. 2012. Menikahlah, Karena Allah Selalu Punya Rencana yang Jauh Lebih Baik. Kuliah Online Parenting Nabawiyah, (Online), (http://www.parentingnabawiyah.com,  diakses 7 September 2017).Schoeni, Robert F. 1995. Marital Status and Earnings in developed Countries. J Popul Econ, 8:351-359Septiana, Ema dan Muhammad Syafiq. 2013. Identitas Lajang (Single Identity) dan Stigma: Studi Fenomologi Perempuan Lajang Di Surabaya. Jurnal Psikologi Teori & Terapan, 4 (1): 71 – 86Solimun. 2002. Multivariate Analysis: Structural Equation Modelling (SEM), Lisrel dan Amos. Malang: Penerbit Universitas Negeri MalangSriwidadi, Teguh. 2011. Penggunaan Uji Mann-Whitney pada Analisis Pengaruh Pelatihan Wiraniaga dalam Penjualan Produk Baru.  Binus Business Review, 2 (2): 751-762Sugiyono. 2011. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: AlfabetaSyarifuddin, Amir. 2004. Hukum Perkawinan Islam Di Indonesia. Jakarta: Predana Media GroupTanau, Felinsa Oktora. 2016. Perbedaan Tingkat Kecenderungan Perilaku Altruisme pada Dewasa Awal dan Dewasa Madya. Skripsi Tidak Diterbitkan. Yogyakarta Psikologi Universitas Sanata DharmaUmam, Khairul. 2001. Ushul Fiqih. Bandung: Pustaka SetiaUndang-undang Nomor 1 Tahun 1974 Tentang PerkawinanUndang-Undang Republik Indonesia Nomor 36 Tahun 2008 tentang Perubahan Keempat atas Undang-Undang Nomor 7 Tahun 1984 tentang Pajak Penghasilan.Usamah, Abu Hafs. 2006. Panduan Lengkap Nikah. Terjemahan oleh Ahmad Saikhu. Cetakan Kelima. Bogor: Pustaka IlmuZagorsky, Jay L. 2005. Marriage and divorce’s impact on wealth. Journal of Sociology, 41(4): 406–424
PENGUKURAN EFISIENSI DAN PRODUKTIVITAS RUMAH ZAKAT INDONESIA DENGAN METODE INDEKS MALMQUIST Fahrizal Rizky Putra Pratama; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 4 (2019): April-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20194pp774-786

Abstract

The results obtained from the Malmquist Productivity Index seen from the TFP Change score indicate Rumah Zakat Indonesia has an increase in productivity from 2010 to 2017. This was added to the score of more than 1,000 in 2014 and 2015. In carrying out its functions as a manager of zakat, improving the performance of Rumah Zakat in Indonesia in its early years - the beginning of its formation has not been 100% efficient in carrying out its functions, but fulfilling the time of Rumah Zakat has been able to activate its functions efficiently. Evidenced by the last 3 years Rumah Zakat has an efficiency level of 100% and shows Rumah Zakat is an National Amil Zakat Institution (LAZNAS) which has an efficient performance.Keywords: Malmquist, Rumah Zakat, Efficient, ProductivityREFERENCESAmanda, Rica. 2010. Analisis Efisiensi Teknis Bidang Pendidikan dalam Implementasi Model Kota Layak Anak. Skripsi Universitas Diponegoro Semarang.Anoraga, Sinungan. 2000. Manajemen Sumber Daya Manusia. Bumi Aksara. Jakarta.Anshori, Muslich dan Sri Iswati. 2009. Metodologi Penelitihan Kuantitatif. Airlangga University Press. Surabaya.Asili. 2017. Manajemen Strategi Filantropi Islam Di Palembang Dengan Pendekatan Appreciate Inquiry. I-Economic Vol.3 No.2Atmanti, Hasstarini Dwi. 2005. Investasi Sumber Daya Manusia  Melalui Pendidikan. Jurnal Dinamika Pembangunan. 2 (1). 30-39Azhari, A. 2008.Kinerja Organisasi Dinas Pendapatan Daerah Provinsi Khusus Daerah Ibukota Jakarta Dengan Pendekatan System Thinking Dan System Dinamics.Disertasi tidak diterbitkan.Universitas Indonesia Fakultas Ilmu Sosial dan Ilmu Politik Departemen Ilmu Administrasi Program Pasca Sarjana. Jakarta.Bamualim, Chaider S dan Irfan Abubakar. 2005. Revitalisasi Filantropi Islam, Studi Kasis Lembaga Zakat dan Wakaf di Indonesia. Pusat Bahasa dan Budaya UIN Syarif Hidayatullah. Jakarta.BPS Kabupaten Gresik. 2017. Sosial dan Kependudukan. Gresik. (https://gresikkab.bps.go.id/)Budi, Daniel S. 2010. Efisiensi Relatif Puskesmas-Puskesmas di Kabupaten Pati Tahun 2009.Tesis.Fakultas Ekonomi Program Magister Perencanaan dan Kebijakan Publik.Universitas Indonesia. Jakarta.Cahyono, E.F. 2017.Efficiency of Baznas (Indonesian National Zakat Amil Agency) Performance. Australian Journal of Islamic Finance and Business, Vol. 3 Issue 2 : 2206-4397Coelli, T.J, Rao, D.S.P, Prasada Rao, Christoper J. O’Donnel and G.E Battese. 2005. Introduction to Efficiency and Productivity Analysis. (second edition). Kluwer Academic Publishers. Boston.Dewi, Dhita Triana. 2010. Analisis Kunjungan Obyek Wisata Water Blaster Kota Semarang. Skripsi. Fakultas Ekonomi Universitas Diponegoro Semarang.Halim, Abdul. 2004. Akuntansi Keuangan Daerah. Salemba Empat. Jakarta.Hasibuan, H. Malayu. 2003. Manajemen Sumber Daya Manusia. Edisi Revisi. Bumi Aksara. Jakarta.Herjanto, Eddy. 2004. Manajemen Operasi. Edisi Ketiga. Jakarta.Ikatan Akuntan Indonesia. 1998. PSAK No. 45 Pelaporan Keuangan Organisasi Nirlaba.Khariza, Adhisty Mohammad. 2009. Analisis Kinerja Sektor Usaha Tani Padi Melalui Pendekatan Agribisnis. Vol. 5 No. 1Lahutung, Brigita. 2012. Model Pengambilan Keputusan (http://model pengambilan keputusan Gita Lahutung's Blog.html, diakses tanggal 25 Februari 2018)Mizobuchi, Hideyuki. 2015. Productivity Indexes Under Hicks Neutral Technical Change. School of Economics University of Queensland. Australia.Qalahji, M. Rawwas. 2000. Ensiklopedi Fiqh Umar bin Khatab. (terjemahan M Abdul Mujieb et.al). Raja Grafindo Persada. Jakarta. Dalam Saputra, AA. 2017. Makna Produktifitas Sumber Daya Manusia Ditinjau Dari Sudut Pandang Syariah Dan Konvensional. Stie Indocakti Malang.Rakhmadi, Rezki Syahri. 2010. Analisis Efisiensi Produktivitas Perbankan Syariah Indonesia. Fakultas Ekonomi dan Bisnis Universitas Islam Negeri Syarif Hidayatullah. Jakarta.Raphael, G. 2013. A DEA Based Malmquist Productivity Index Approach in Assessing Performance of Commercial Banks: Evidence From Tanzania. Europian journal of bussness and management. Vol. 5 No. 6 pp 25-34Republik Indonesia. Undang-undang Republik Indonesia Nomor 23 tahun 2011 tentang pengelolaan zakat.2012. Biro Bina Mental dan Kesra. Jakarta.Rusydiana, AS. 2015. Indeks Malmquist Untuk Pengukuran Efisiensi dan Produktivitas Bank Syariah di Indonesia.Saleh, Samsubar. 2000. Metode Data Envelopment Analysis. Yogyakarta. PAU-FE Universitas Gadjah Mada.Saputra, AA. 2017. Makna Produktifitas Sumber Daya Manusia Ditinjau Dari Sudut Pandang Syariah Dan Konvensional. Stie Indocakti Malang.Soekarwati. 1989. Prinsip Dasar Ekonomi Pertanian. Rajawali Press. Jakarta. Dalam Rendiana, Gery. 2015. Analisis Pengaruh Efisiensi (BOPO) Dan Capital Adequacy Ratio (CAR) Terhadap Return On Assets (ROA) (Study Kasus Pada Perbankan Syariah Yang Terdaftar Di OJK Pada Tahun 2010 – 2014).Sugiyono. 2009. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Alfabeta. Bandung.Sunarto. 2010. Pengantar Statistika (Untuk Penelitian Pendidikan Sosial, Komunikasi, Ekonomi dan Bisnis). Alfabeta. Bandung.Supomo, Bambang dan Nur Indriantoro. 2003. Metodologi Penelitihan Bisnis. Cetakan Kedua. BFEE UGM. Yogyakarta.Talluri, S. 2000. Data Envelopment Analysis: Models and Extension. Decision Line 31(3): 8-11Yaumidin, U.K. 2007. EfficienyIn Islamic Banking, A non-parametic Approach. Buletin Economi Moneter dan Perbankan. Apri 2007Yildirim, I. 2015. Financial efficiency analysis in Islamic banks: Turkey and Malaysia models. Journal of Economics, Finance, and Acounting Vol. 2, Issues 3. Pp 289-300Yudistira, Donsyah. 2003. Efficiency in Islamic Banking: an Empirical Analysis of 18 Banks. Proceding International Conference o Islamic Banking: Risk Management, Regulation, and Supervision. Bank Indonesia, 30 September-2 Oktober 2003. Bank Indonesia. Jakarta.Zhang, B. 2013.Integrated systems approach identifies genetic nodes and networks in late-onset Alzheimer’s disease. US National Library of Medicine National Institutes of Health. Bethesda.
Pengaruh Ekspor Produk Halal terhadap Current Account Balance di Indonesia Wina Annisafitri Purnama; Ilmiawan Auwalin
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1242-1258

Abstract

This research aims to measuring the effects of halalproduct export on current account balance (CAB) with some of control variables such as GDP growth, national currency to US dollar exchange rate, government expenditure, real interest rate and inflation. This research is quantitative approach using ARDL model. Based on time series data in quarterly, The results of the t and F tests in this study indicate that in the long run the export of halal industrial products and government expenditures partially has a significant positive effect, inflation has a significant negative effect, while the exchange rate and GDP growth do not have a significant effect on CAB. In the short term exports of halal industrial products and government expenditure have a significant positive effect, inflation and real interest rates have a significant negative effect, while the exchange rate and GDP growth do not have a significant effect on CAB.Keywords: Halal Product Export, Current Account Balance, Halal ExportREFFERENCESAbdul-Talib dan Abd-Razak. 2013. Cultivating export market oriented behavior in halal marketing: Addressing the issues and challenges in going global. Journal of Islamic MarketingArifin dan Hadi. 2007. Membuka Cakrawala Ekonomi, Bandung: PT Setia Purna Inves.A Samuelson. Paul & William D Nordhaus 1997. Mikroekonomi. Jakarta: ErlanggaCalderon, Cesar, Alberto Chong and Norman Loayza, 2000.” Determinant of Current Account Deficit  in Developing  Countries,”  The  World  Bank  Policy Research  Working  Paper,  No. 2398Fabozzi, Frank dan Franco Modigliani 1996, Capital Markets, 2nd edition, Prentice hall, New JerseyFitri, Wulansari. (2014). Analisis Faktor-Faktor Yang Mempengaruhi Neraca Transaksi Berjalan : Studi Kasus Indonesia Tahun  1990-2011. EconomicsDevelopment Analysis JournalHandoko, Rudi (2010). Faktor-Faktor yang Mempengaruhi Kinerja Transaksi Berjalan Indonesia. Kajian Ekonomi dan Keuangan, Volume 14 No. 4 tahun 2010.Indonesia Halal Economy and Strategy Roadmap 2018/2019Karl, E Case dan Fair, C Rai. 2001. Prinsip-prinsip Ekonomi Makro. Jakarta: PrenhalindoMadura, Jeff. 2006. International Corporate Finance. Keuangan Perusahaan Internasional.Edisi 8.Buku 1. Jakarta: Salemba Empat.Saputra dan Maryatmo. 2017. Pengaruh Nilai Tukar dan Suku Bunga Acuan Terhadap Neraca Transaksi Berjalan di Indonesia Periode 2005: 1–2015: 1 (Pendekatan Error Correction Model). Diakses dari ojs.uajy.ac.id. Seran, Sirilius. 2016. Pendidikan & Pertumbuhan Ekonomi versus Kemiskinan Penduduk (Kasus Provinsi Nusa Tenggara Timur). Yogyakarta : DeepublishStudenmund. 2006. Using Econometrics: A Practical Guide. Pearson Education, Inc. Addison Wesley.Widjaja dan Ahmad Yani. (2000), Transaksi Bisnis Internasional Ekspor-Impor, Jakarta: Raja Grafindo Persada Widjajanta, Bambang., Aristanti (2007). Mengasah Kemampuan Ekonomi, Bandung : 2007.www.bi.go.id 
ANALISIS PERBEDAAN KINERJA KEUANGAN ANTARA BPD SYARIAH DAN BPD KONVENSIONAL DI JAWA MENGGUNAKAN METODE RGEC Novrina Atika Putri; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1706-1717

Abstract

The RGEC approach is an assessment of the latest bank soundness that consists of risk profile, good corporate governance, earnings, capital, each of which is projected with the bank's financial performance. RGEC is able to identify problems early, solve problems more quickly, and implement better GCG and risk management so that it is resistant to crisis. This study aims to analyze whether there are differences between the level of health of conventional BPD and Islamic BPD in Java using the RGEC approach. This type of research is quantitative research. The sample in this study was selected by means of purposive sampling, based on predetermined criteria then obtained 4 conventional BPDs and 4 Islamic BPDs. The data analysis technique used in this study is the two different test averages (independent sample t-test). The results of this study prove that there are significant differences in the FDR and ROA variables between conventional BPD and Islamic BPD and there are no significant differences in the NPF, GCG, CAR variables.Keywords: RGEC, Bank Healthy, NPF, FDR, GCG, ROA, CARREFFERENCESDaniswara, Fitria dan Nurmadi. 2016. Analisis Perbandingan Kinerja Keuangan Berdasarkan RGEC pada BUK dan BUS periode 2011-2014. GEMA, THN XXX/51/Februari-Juli 2016.Kasmir. 2012. Analisis Laporan Keuangan. Jakarta: PT. Bumi Aksara.Kasmir. 2012. Dasar-dasar Perbankan. Edisis Revisi. Jakarta: PT. Grafindo Persada.Kasmir. 2012. Manajemen Perbankan. Edisi Revisi II. Jakarta: Rajawali Pers.Marwanto. 2011. Analisis Komparatif Tingkat Kesehatan Bank Umum Syariah dan Bank Umum Konvensional dengan Metode RGEC periode 2012-2013. Jurnal Ekonomi.Otoritas Jasa Keuagan No.10/SEOJK. 03/2014. Tentang Faktor PenilaianSelf Assessment GCG BUS/UUS-(www.ojk.go.id). Diakses tanggal 13 Mei 2019.Rifai. 2008. Islamic Financial Management. Jakarta: PT. Raja Grafindo Persada.Siregar, Sofyan. 2015. Metode Penelitian Kuantitatif: Dilengkapi Perbandingan Perhitungan Manual & SPSS. Jakarta: Kencana.Sugari. 2015. Analisis Perbandingan Tingkat Kesehatan Bank Syariah dan Konvensional dengan menggunakan Metode RGEC. Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman.Sugiono. 2007. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.Sulistianingsih, H & Maivalinda. 2018. Analisis Perbandingan Tingkat Kesehatan Bank Konvensional dan
Measurement of Efficiency and Productivity of Amil Zakat Institutions in Indonesia by using Data Envelopement Analysis Methods and Malmquist Productivity Index Selvia Rustyani; Suherman Rosyidi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 2 (2019): Februari-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20192pp270-287

Abstract

This study aims to measure the level of efficiency and productivity of the amil zakat institution in Indonesia. This research is a quantitative research using Data Envelopment Analysis (DEA) and Malmquist Productivity Index (MPI) methods. There are six institutions of amil zakat (LAZ in Indonesia, namely Yayasan Dana Sosial Al-Falah (YDSF), Al-Azhar Peduli Ummat, Aksi Cepat Tanggap (ACT), Yayasan Rumah Yatim Arrohman Indonesia, Pos Kemanusiaan Peduli Ummat (PKPU), and Rumah Zakat Indonesia with 2014 - 2016 annual data as the number of DMUs (desicion making units). This study uses an intermediation approach in determining the variables. The input variables of this research are Collected Funds (X1), Total Costs (X2), and Amil Receipts (X3), while the output variables are Funds Disbursed (Y1), and Total Assets (Y2). There were two LAZs that experienced inefficiencies in 2014 and 2015, namely LAZ YDSF and ACT. Meanwhile, in 2016, all LAZ have achieved optimal levels of efficiency. The results of the MPI analysis show that in the first year there were two LAZs that experienced a decline in productivity, namely LAZ Al-Azhar and PKPU. The other four LAZs experienced increased productivity, namely LAZ YDSF, ACT, Rumah Yatim, and Rumah Zakat. In the second year, there were three LAZs who experienced increased productivity, namely LAZ Al-Azhar, PKPU, and Rumah Zakat. Meanwhile, three other LAZ experienced a decrease in productivity, namely LAZ YDSF, ACT, and Rumah Yatim.Keywords: Efficiency, Productivity, LAZ, DEA, MPIREFERENCES Al-Qur’an dan Terjemah.Al-Hadits.Abd Wahab, Norazlina dan Abdul Rahman Abdul Rahim. 2013. Determinants of Efficiency of Zakat Institutions in Malaysia: A Non-parametric Approach, Asian Journal of Business and Accounting 6 (2), hlm. 33 – 64.Aini, Novi Nurul. 2012. Efisiensi Lembaga Zakat Nasional Menggunakan Metode Data Envelopment Analysis Periode 2008-2009. Skripsi. Surabaya: Universitas Airlangga.Akbar, Nasher. 2009. Analisis Efisiensi Organisasi Pengelola Zakat Nasional dengan Pendekatan Data Envelopment Analysis. Jurnal TAZKIA Islamic Finance and Business Review, Vol. 4 No. 2, 760 – 784.Aksi Cepat Tanggap https://act.id/Al-Azhar Peduli Ummat https://alazharpeduli.com/Al-Parisi, Salman. 2017. Analisis Determinan Lembaga Zakat di Indonesia dan Tingkat Produktivitas-nya. Bogor: Smart Consulting.Ali, Mahbubi, dan 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). Jurnal TAZKIA Islamic Finance and Business Review, Vol. 5 No. 2, 110 – 125.Badan Amil Zakat Nasional https://pusat.baznas.go.id/Badan Pusat Statistik. https://www.bps.go.id/Banker, R.D., Charnes, A., and Cooper, W.W. 1984. “Some Models for Estimating Technical and Scale Inefficiency in Data Envelopment Analysis”, Management Science, 30 (9), 1078-92.Beik, Irfan Syauqi, dkk. 2012. Economic Estimation and Determinations of Zakat Potential in Indonesia. Caves et al. 1982. “The Economic Theory of Index Number and The Measurement of Input, Output, and Productivity”. Econometrica, 50(6):1393-1414.Charnes, A., W.W. Cooper, and E. Rhodes. 1978. “Measuring the Efficiency of Decision Making Units”, European Journal of Operation Research, 2, 6, 429-44.Coelli, T.J, D.S.P. Rao, and G.E. Battese. 1998. Introduction to Efficiency and Productivity Analysis. Boston: Kluwer Academic Publisher.Coelli, T .J, 1996. A Guide to DEAP Version 2.1: A Data Envelopment Analysis (Computer) Program. Armidale: CEPA The University of New England.Difanda, Renaldy Dafi. 2017. Analisis Efisiensi BAZNAS Provinsi dengan Metode Data Envelopment Analysis (DEA). Skripsi. Surabaya: Universitas Airlangga.Farrell, M.L. 1957. “The Measurement of Productive Efficiency”, Journal of The Royal Statistical Society, 120, p.253-281.Kamus Besar Bahasa Indonesia (KBBI) daring, (http://kbbi.web.id/pusat, diakses 19 Juli 2018).Krishnasamy, Geeta, dkk. 2003. Malaysian Post Merger Bank’s Productivity: Application of Malmquist Productivity Index. Petaling Jaya: Monash University Malaysia.Maulana, Ahmad. 2017. Efisiensi Kinerja Lembaga Zakat Nasional (Studi Kasus: YDSF, Yatim Mandiri, & Lazisnu). Skripsi. Surabaya: Universitas Airlangga.Mubarok, Abdulloh, dan Baihaqi Fanani. 2014. Penghimpunan Dana Zakat Nasional (Potensi, Realisasi, dan Peran Penting Organisasi Pengelola Zakat). Jurnal PERMANA, Vol. V, No.2, hlm. 14.Munir, Misbahul dan A. Djalaluddin. 2006. Ekonomi Qur’ani: Doktrin Reformasi Ekonomi dalam Al-Qur’an. Malang: UIN Malang Press.Pos Kemanusiaan Peduli Ummat https://pkpu.org/PUKAS BAZNAS. 2016. Outlook Zakat Indonesia 2017. Jakarta: BAZNAS.Qardhawi, Yusuf. 2007. Hukum Zakat, (terj. Salman Harun, dkk.), Bogor: Pustaka Litera Antarnusa.Rahmayanti, Annisa. 2014. Efisiensi Lembaga Amil Zakat Dalam Mengelola Dana Zakat di Indonesia (Studi Kasus: PKPU, Rumah Zakat, dan BAMUIS BNI). Skripsi. Jakarta: UIN Syarif Hidayatullah.Republik Indonesia. Undang-undang Nomor 23 Tahun 2011 tentang Pengelolaan Zakat. 2011. Jakarta: kemenag.go.id.________. Undang-undang Nomor 38 Tahun 1999 tentang Pengelolaan Zakat. 1999. Jakarta: dpr.go.id.________. Peraturan Pemerintah Nomor 14 Tahun 2014. 2014. Jakarta: pid.baznas.go.id.________. Pedoman Transliterasi Arab-Latin. Surat Keputusan Bersama Menteri Agama RI dan Menteri Pendidikan dan Kebudayaan RI Nomor 158/1987 dan0543 b/U/1987, tanggal 22 Januari 1988.Rosyidi, Suherman. 2006. Pengantar Teori Ekonomi. Edisi Revisi. Jakarta: PT Raja Grafindo Persada.Rumah Zakat Indonesia https://rumahzakat.org/Rusdyana, Aam. 2017. Pelatihan DEA dan Indeks Malmquist, Surabaya: Universitas Airlangga.Sedarmayanti. 2001. Sumber Daya Manusia dan Produktivitas Kerja. Bandung: Mandar Maju.Sugiyono.2012. Metode Penelitian Kuantitatif, Kualitatif, dan R & D. Bandung: Alfabeta.Surjaningsih, Ndari, dan Bayu Panji Permono. 2014. “Dinamika Total Factor Productivity Industri Besar dan Sedang Indonesia”. Buletin Ekonomi Moneter dan Perbankan, hlm. 277 – 308. Jakarta: Bank Indonesia.Wandayati, Nur Ika. 2018. Analisis Efisiensi Lembaga Amil Zakat Nasional di Indonesia dengan Metode Data Envelopment Analysis Tahun 2010-2016. Skripsi. Surabaya: Universitas Airlangga.Wahyuny, Ikka Nur. 2015. Analisis Efisiensi Organisasi Pengelola Zakat Nasional dengan Metode Data Envelopment Analysis (Studi di Badan Amil Zakat Nasional, Dompet Dhuafa, dan Lazis Nahdlatul Ulama Periode 2013.Skripsi. Yogyakarta: Universitas Negeri Yogyakarta.Yayasan Dana Sosial Al-Falah https://ydsf.org/Yayasan Rumah Yatim Ar-rohman Indonesia https://rumah-yatim.org/2000-2015. Frontier Analyst Manual version 4.3. Banxia Holdings Ltd. (https://banxia.com/downloads/)
MANAJEMEN KEUANGAN RUMAH TANGGA TAKMIR MASJID RUNGKUT JAYA Mas’amah Mas’amah; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1114-1128

Abstract

The goal of this research is to understand how management financial implementation work into muslim Family, especially at Takmir Rungkut Jaya Mosque. The research used descriptive qualitative approach. Data collection was results by interview and documentation. Pattern matching technique was used to perform data analytic. This technique to find the general description of financial management family work into muslim then adjusted to the implementation of sakinah finance. The result based on interviews with two households of Takmir Rungkut Jaya Mosque is both informants in research has implemented components financial management to reach sakinah finance in the life daily. The financial management component are income management main intention to worship, meet family needs, maintain self-respect for not begging, and leniency of life, and hold the principle of halal in seeking sustenance and work, and focusing on the intention of the afterlife. Expenditure Management consists of three expenditure items, household needs posts, social posts, and mosque needs posts, as well as using savings as outposts for cash inflows and expenditures, as well as household emergency funds.Keyword: sakinah finance, income management, expenditure management, household financeREFFERENCESAl-Qur’an. Terjemahannya (Revisi Terbaru) Departemen Agama RI dengan transliterasi Arab-Latin. 2001. Semarang. CV. Asy Syifa.Abdulloh, Adil Fathi. 2007. Sudah Islamikah Kelaurga Anda? Pilar-Pilar Mewjudkan Keluarga Bahagia. Solo: Wacana Ilmiah Press.Antonio, Muhammad syafi’i. 2001. Bank Syariah dari Teori ke Praktek. Jakarta: Gema Insani Press.Antonio, Muhammad Syafi’i. 2011. Ensiklopedia Leadership dan Manajemen Muhammad SAW “The Super Leader Super Manager” Bisnis dan Kewirausahaan. Jakarta: Tazkia Publishing.Arnesih. 2016. Strategi Manajemen Keuangan Dalam Rumah Tangga (Berbasis Ekonomi Syariah). FKIP-UNRIKA. Vol 10 Februari 2016.Dispendukcapil Surabaya. 2016. Data Jumlah Perceraian di Surabaya. Surabaya: Dinas Kependudukan dan Pencatatan Sipil Surabaya. (http://Dispendukcapil.Surabaya.go.id diakses pada 16 Juni 2017).Manullang. 1981. Pengantar Ekonomi Perusahaan. Yogyakarta: Liberty.Quthb, Sayyid. 2004. Tafsir Fi Zhilalil di bawah nauangan Al-Qur’an Jilid 5. Jakarta: Gema Insani Press.Senduk, Safir. 2000. Seri Perencanaan Keuangan Keluarga Mengelola Keuangan Keluarga. Jakarta: PT. elex Media Komputindo.Sistem Informasi Masjid. 2017. Data jumlah masjid dan mushallah di Surabaya. Jakarta: Kementerian Agama Republik Indonesia. (http://simas.kemenag.go.id diakses pada 28 Maret 2017).Sugiyono. 2008. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.Sulastiningsih. 2008. Cerdas Mengelola Keuangan Keluarga. Yogyakarta: Pro-U Media.Syaparuddin. 2014. Pengelolaan Keuangan Keluarga Secara Profesional dalam Mewujudkan Keluarga Sakinah. Watapone: Al-Risalah-Jurnal Hukum Keluarga Islam. Vol 1 no. 1 Juli 2014.Tamanni, Luqyan & Murniati Mukhlisin. 2013. Sakinah Finance Solusi Mudah Mengatur Keuangan Keluarga Islami. Solo: Tinta Medina.Wibawa, H. 2003. Perencanaan Keuangan Keluarga. Jakarta: Salemba Empat.Yin, Robert K. Tanpa Tahun. Studi Kasus Desain & Methode. Terjemahan oleh M. Djauzi Mudzakir. 2014. Jakarta: Rajawali Pers.
UPAYA MITIGASI RISIKO PEMBIAYAAN MURABAHAH PADA KSPPS BMT AMANAH UMMAH SURABAYA Elicha Pusparini; Muhammad Nafik Hadi Ryandono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1578-1593

Abstract

Sharia Cooperation as a micro financial institution does its function to collect and distribute money. Sharia cooperation, as how it works, is initiated by its members, for the members, and from the members. Therefore, the fund channeling done by sharia cooperation is only focusing to the members’ welfare. On doing the business, BMT utilizes Sharia contracts such as mudharabah, musyarakah, murabahah, and many more. BMT which was established based on cooperation basic law, must follow the provisions from Ministry of Cooperation in carrying out the business activities.This study uses a qualitative approach with a case study method. The results of this study are risk control measures in murabahah financing contained in the Standard Operating Procedure (SOP). The form of risk control is directed at risk mitigation actions, if risk mitigation is less accurate it will lead to problematic financing. To reduce the number of problematic financing is carried out with preventive measures when submitting, analyzing, realizing and paying off. By focusing on these stages, the possibility of a risk can be minimized.Keywords: Risk, Financing Risk, Murabahah Agreement, Sharia Cooperative, BMTREFFERENCESAfifudin dan Beni Ahmad Saebani. 2012. Metodelogi Penelitian Kualitatif. Bandung:Pustaka SetiaAhmadiono. 2014. Mengendalikan Risiko Lembaga Keuangan Mikro Syariah. Jember:Al-Mashraf, Vol.1, No.  01 OktoberAjija, S. Rohmatul, dkk. 2018. Koperasi BMT Teori, Aplikasi dan Inovasi. Karanganyar.CV. Inti Media KomunikaAl-Hasan, Fahadil Amin. 2018. Analisis pelaksanaan Akad Murabahah di LembagaKeuangan Syariah (BMT)Antonio. M. Syafii. 2001. Bank Syariah dari Teori ke Praktek. Jakarta: Gema InsaniPressDjojosoedarso, Soeisno. 1999. Prinsip-prinsip manajemne risiko dan asuransi. Jakarta.Salemba EmpatBi.go.id diakses pada 18 November 2018 pukul 20.22 Tentang Undang-UndangNomor 20Tahun 2008Cokrohadisumarto, Widiyanto bin Mislan, dkk.2016. BMT: Praktik dan kasus. Jakarta.Rajawali Pers.Fikruddin, Tahta. 2015. Strategi Penanganan Risiko Pembiayaan Murabahah padaBMT Se-Kabupaten Demak. Kudus. Equilibrium 3(2) 254-270Hendrojogi. 2004. Koperasi Asas-Asas, Teori dan Praktik. Jakarta: PT. RajaGrafindoPersadaKarim, Adiwarman Azwar. 2010. Bank Islam: Analisis Fiqih dan Keuangan. Jakarta: PT.RajaGrafindo PersadaKusmiyati, A. N. S. 2007. Risiko Akad dalam pembiayaan Murabahah pada BMT diYogyakarta (dari Teori ke Terapan). Yogyakarta. La_Riba Jurnal EkonomiIslam Vol 1 (1)27-41Lubis, Suhrawardi K. Dan Farid Wajdi. 2012. Hukum Ekonomi Islam. Jakarta. SinarGrafikaMuhamad. 2016. Manajemen Keuangan Syariah Analisis fiqh danKeuangan.Yogyakarta. UPPSTIM YKPNNawawi, Ismail. 2009. Ekonomi Kelembagaan Syariah: Dalam Pusaran EkonomiGlobalSebuahTuntutan dan Realitas. Surabaya. CV. Putra Medika Nusantara.Rivai, Veithzal dan Andria Permata Veithzal. 2008. Islamic Financial Management:Teori, Konsepdan Aplikasi Panduan Praktis untuk Lembaga Keuangan,Nasabah, Praktisi danMahasiswa. Jakarta: Raja Grafindo PersadaRivai, Veithzal dan Rifki Ismal. 2013. Ismalic Risk Management Fot Islamic Bank.Jakarta: Gramedia Pustaka Utama.Romdhoni, A. H. 2016. Analisis Komparasi Manajemen Risiko pada KoperasiSyariah diKabupaten Boyolali. Surakarta. Jurnal Ilmiah Ekonomi Islam Vol.02 (03) 1-15Suyanto, Bagong dan Sutinah. 2008. Metode Penelitian Sosial: Berbagai PendekatanAlternatif. Jakarta. KencanaYusuf, Saifullah. 2017. Perubahan Berkelanjutan: Gotong Royong MemakmurkanJawa Timur.Surabaya. Airlangga university press.Yin, R. K. 2009. Studi Kasus: Desain dan Metode. Jakarta. Raja Wali

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