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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.
Arjuna Subject : -
Articles 1,152 Documents
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THE BUDGETING PROCESS IN THE NATIONAL AMIL ZAKAT AGENCY OF NURUL HAYAT Dimas Mulya Pratama; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1036-1050

Abstract

This research aims to find out the budgeting process of the National Amil Zakat Agency (LAZNAS) Nurul Hayat. The research data was obtained through the Nurul Hayat Foundation. The method used is a qualitative approach with a descriptive case study method. Data collection techniques using direct interviews. Interviews were conducted with the Director of Finance, Director of Operations, Director of Empowerment, and Director of ZIS. The analysis technique uses data collection, data reduction, data presentation, and drawing conclusions. The results of this study indicate that LAZNAS Nurul Hayat is an institution that uses a mixed method; the budgeting process includes the stages of preparation, budget ratification, implementation, and evaluation reporting. The budget system used is in accordance with a non-profit legal entity in the form of a foundation as stipulated in Law Number 28 of 2004.Keywords: budgeting process, non-profit, Nurul HayatREFFERENCE Kementerian Agama RI. (2017). Al-Qur’an dan terjemahnya. Jakarta: Adhi Aksara Abadi Indonesia.Anthony dan Govindarajan. (2005). Manajement control system, edisi 11, buku 2. Jakarta: Salemba Empat.Harahap, Don R. & M.M. Mowen. (2009). Akuntansi manajerial, edisi 8. Jakarta: Salemba Empat.Mardiasmo. (2002). Akuntansi sektor publik. Yogyakarta: Andi.Miles, B. Matew dan Michael Huberman. (1992). Analisis data kualitatif (buku sumber tentang metode-meode baru). Jakarta: UIPMunandar, M. (2001). Budgetting perencanaan kerja pengkoordinasian kerja pengawasan kerja. Yogyakarta: BPFEE-Yogyakarta.Mahsun, M. (2009). Pengukuran kinerja sektor publik. Yogyakarta: BPFE Yogyakarta.Nainggolan, Pahala. (2012). Manajemen keuangan lembaga nirlaba. Jakarta: Yayasan Bina Integrasi Edusi (YBIE).Nugraha, Adi. (2013). Analisis proses penyusunan rencana kerja dan anggaran Tahun 2013. Depok: Fakultas Ekonomi UI.Pandu, Tri M. P. (2013). Studi kasus proses penyusunan anggaran Badan Amil Zakat Nasional (BAZNAS). Depok: Fakultas Ekonomi UI.UU No 23 Tahun 2011 tentang Pengelolaan Zakat.Welsch, Glenn A. (1964). Budgeting profit planing and control, fourth edition. New Delhi: Prentice Hall of India Private Limited.Yin, Ribert K. (2012). Studi Kasus: Desain dan Metode. Jakarta: PT. Raja Grafindo Persada.
Journal Cover Vol 7, No 3 (2020) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 3 (2020): Maret-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20203pp%p

Abstract

SOCIAL CAPITAL MANAGEMENT IN IMPROVING COMMUNITY WELFARE (CASE STUDY OF BAALUL MAAL HIDAYATULLAH SURABAYA) Nur Halimah; Irham Zaki
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp842-851

Abstract

This study aimed to describe and analyze the role of social capital, as seen from the interrelation of networks, norms, and beliefs in improving the welfare of the community under the indicators of Maqashid Syariah. This study employed a qualitative approach with a case study strategy. Besides, this study has an analysis unit in the form of social capital and improvement of the welfare of the community who received scholarship assistance from Baitul Maal Hidayatullah of Surabaya. Also, data collection was carried out by interview and direct observation of the research object. The analysis technique utilized in this study was an explanatory analysis technique by explaining the results of interviews and direct observation. The study results reveal that social capital with norms, networks, and trust indicators play a role in improving the welfare of the community seen from the aspects of Maqashid Syariah.Keywords: Social capital, Welfare, and Maqashid SyariahREFFERENCE Al-Faizin, Abdul Wahid dan Nashr Akbar. (2010). Tafsir ekonomi kontemporer kajian tafsir al-qur’an tentang ekonomi Islam. Jakarta: Madani Publishing House.Amalia, Euis. (2009). Keadilan distributif dalam ekonomi Islam penguatan peran LKM dan UKM di Indonesia. Jakarta: PT. RajaGrafindo Persada.Chapra, Umer. (2001). Masa depan ilmu ekonomi (sebuah tinjauan Islam. Jakarta: Gema Insani Press.Field, John. (2010). Modal sosial. Bantul: Kreasi Wacana.Widayani, Retno dan Nisa Agistiani Rachman. (2003). Studi kemunculan modal sosial.Jurnal Kebijakan dan Administrasi Publik, 17(2), 1-75Yin, Rober K. (2010). Studi kasus design & metode. Jakarta: Raja Grafindo Persada.
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 
IMPLEMENTATION OF UNDERWRITING RISK MANAGEMENT IN PT. ASURANSI JASINDO SYARIAH Wahyu Rofikah; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp901-910

Abstract

This study purpose to how the risk management process in PT Asuransi Jasindo Syariah with a case study of vehicle insurance class of business. This research uses a qualitative approach with a descriptive case study strategic. The research data was obtained through primary data in the form of interviews and secondary data. The selection of informants in interviews through snowball sampling techniques and secondary data obtained from supporting data in the form of archives, reports and relevant document and literature reviews related to research. The results of this study indicate that PT Asuransi Jasindo Syariah has a significant role in the process of underwriting risk management, especially in vehicle insurance product, which have the highest loss ratio among other products. The underwriting risk management process carried out by PT Asuransi Jasindo Syariah is risk identification, risk measurement, risk monitoring, and risk control.Keywords: risk management, underwriting, syariah insuranceREFFERENCE Ahmad, R dan Abdul H. (2008). Lembaga keuangan syariah. Jakarta: Zikrul Hakim.Ali, AM. (2004). Asuransi dalam perspektif hukum Islam. Jakarta: Prenada Kencana.Amrin, A. (2006). Asuransi syariah keberadaan dan kelebihan ditengan asuransi konvensional. Jakarta: PT Elex Media Komputindo.Burhanuddin. (2010). Aspek hukum lembaga keuangan syariah. Jakarta: Graha Ilmu.Darmawi, H. (2006). Manajemen risiko. Jakarta: Bumi Aksara.Dewi, G. (2007). Aspek-aspek hukum dalamperbankan dan perasuransian syariah di Indonesia. Jakarta: Kencana. Fatrisia, L. (2015). Tinjauan ekonomi Islam terhadap manajemen risiko penyaluranpinjaman bakulan pada PT. Permodalan Ekonomi Rakyat Provinsi Riau Pekanbaru. Skripsi tidak diterbitkan. Pekanbaru: Universitas Islam Negeri Sultan Syarif Kasim Riau.Huggins, K dan Robbert D. (1996). Operasi perusahaan asuransi jiwa dan asuransi kesehatan. Jakarta: Yayasan Dharma Bumiputera.Irnawati, I. (2011). Implementasi manajemenrisiko di PT. Bringin Life Syariah. Skripsi tidak diterbitkan. Jakarta: UIN Syarif Hidayatullah.Rahmawati, D. (2017). Implementasi underwriting pada penerbitan polis di AJB Bumiputera 1912 divisi syariah cabang Sidoarjo. Skripsi tidak diterbitkan. Surabaya: Universitas Islam Negeri Sunan Ampel SurabayaSalinan Peraturan Menteri KeuanganNo.18/PMK.010/2010 tentang Penerapan Prinsip Dasar Penyelenggaraan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah. Jakarta: Menteri KeuanganSurat Edaran Otoritas Jasa Keuangan Nomor 6/SEOJK.05/2017 tentang Penetapan Tarif Premi atau Kontribusi pada lini Usaha Asuransi Harta Benda dan Asuransi Kendaraan Bermotor Tahun 2017Pemerintah Indonesia. (2014). Undang-Undang No. 40 Tahun 2014 tentang Asuransi. Lembaran Negara RI Tahun 2014 No. 40. Jakarta: Sekertariat NegaraPeraturan Otoritas Jasa Keuangan Nomor 1/POJK.05/2015 tentang Penerapan Manajemen Risiko Bagi Lembaga Keuangan Non-BankPolis Standar Asuransi Kendaraan Bermotor Indonesia 2018 – Asosiasi Asuransi Umum IndonesiaSalim, A. (2005). Asuransi dan manajemen risiko. Jakarta: PT. Raja Grafindo Persada.Saniatusilma, Hifi dan Suprayogi, Noven. (2015). Manajemen risiko dana tabarru’ pada PT. Asuransi Jiwa Syari’ah Al-Amin. Jurnal Ekonomi Syariah Teori dan Terapan, 2(12), 1002-1018.Sukmadinata. (2008). Metode penelitian kualitatif. Bandung: Graha Aksarandu.Sula, S. (2004). Asuransi syariah (life and general): Konsep dan sistem operasional.Jakarta: Gema Insani Press.Suseno, P. (2014). Konsep dasar manajemenrisiko. Tangerang: Universitas Terbuka.Susilo, L., dkk. (2018). Manajemen risiko berbasis ISO 31000 untuk industri nonperbankan. Jakarta: PPM Manajemen.Wahyudi, dkk. (2013). Manajemen risiko bank Islam. Jakarta: Salemba Empat.Yin, Robert K. (2008). Case study research: Design and methods (applied social research methods). Illinois: Sage Publications, Incwww.jasindosyariah.co.id 
THE ROLE OF PRODUCTIVE FINANCING ON THE ECONOMIC WELFARE OF MEMBERS IN THE MAQASHID SHARIA (EAST JAVA ABA SHARIA COOPERATIVE) Nur Shadrina Nadhilah; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 1 (2020): Januari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20201pp173-182

Abstract

The purpose of this study is to find out and analyze the role of productive financing of East Java ABA Sharia cooperative in delivering economic welfare to their member based on Maqashid Sharia. The research method used is a descriptive qualitative approach with a type of case study research. This study has some units of analysis which are productive financing of East Java ABA Sharia cooperatives and welfare enhancement of financed members. The Data processing techniques used are data reduction methods, data presentation, conclusions and verification. The results of the study will be described descriptively and accompanied by tables. The results of the study can be concluded that the financing of the East Java ABA Sharia cooperative plays a role in improving the welfare of members even though there are differences in the increase in welfare felt by each member. Welfare is measured by using the indicators of the maintenance of the five basic needs under the Maqashid Sharia, namely maintenance of religion, the soul, the mind, the descendant, and the wealth. Some members experience an increase in the maintenance of the five elements of these needs at once and some members only maintain a few elements of the needs that have increased. Generally, members experience an increase in well-being that only occurs in some elements of necessity maintenance.Keywords: Financing, Sharia Cooperatives, Welfare, and Maqashid ShariaREFFERENCE Kuncoro, Mudrajat. (2006). Ekonomi pembangunan: teori, masalah dan kebijakan. Yogyakarta: UPP STIM YKPN.Solihin, Ahmad Ifham. (2010). Pedoman umum lembaga keuangan syariah. Jakarta: Kompas Gramedia. Subagyo, Ahmad. (2015). Keuangan mikro syariah. Jakarta: Mitra wacana media. Said Saad Marathon. (2014). Ekonomi Islam, Cetakan kedua. Jakarta: Zikrul Hakim.Amin Widjaja Tunggal. (1995). Akuntansi untuk koperasi. Cetakan pertama. Jakarta: PT Rineka Cipta.Rujito. (2003). Pengenasan Kemiskinan. Jurnal Ekonomi Rakyat No.1 Maret 2003. Yogyakarta: Bank Rakyat Indonesia. Buchori, Nur Syamsudin. (2012). Koperasi syariah: teori & praktek. Tangerang: Pustaka Aufa Media (PAM Press). ---------. Menteri Negara Koperasi Dan Usaha Kecil Dan Menengah Republik Indonesia. (2007). Peraturan Nomor: 35.3/Per/M.KUKM/X/2007. Tentang penilaian kesehatan Koperasi Jasa Keuangan Syariah (KJKS).---------. Menteri Negara Koperasi Dan Usaha Kecil Dan Menengah. (2007). Peraturan Nomor: 35.2 /Per/M.KUKM/X/2007. Tentang pedoman standar operasional manajemen koperasi jasa keuangan syariah dan unit jasa keuangan syariah koperasi. ojk.go.idbps.go.id
THE MODEL OF PRODUCTIVE WAKAF MANAGEMENT IN THE AGRICULTURE SECTOR TO INCREASE THE FARMER'S WELFARE (CASE STUDY OF PENATARSEWU SIDOARJO’ MUHAMMADIYAH BRANCH MANAGEMENT) Inayah Rahman; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 3 (2020): Maret-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20203pp486-498

Abstract

This study aims to create a model for productive management of waqf in the agricultural sector in the Penatarsewu Muhammadiyah Branch Management (PRM) and analyze its impact in improving the welfare of farmers based on indicators of maqashid syariah. This research uses a descriptive qualitative approach with a case study method. The subjects of this study were the management of the Penatarsewu PRM board of waqf councilors and sharecroppers. Data is collected by conducting interviews, observations, and documentation. Data analysis techniques using data reduction, data presentation, and drawing conclusions. Triangulation technique by cross-checking the findings of primary and secondary data is used to determine the validity of the data. Research is limited to rice field endowments or the agricultural sector. The results showed that the productive waqf management model of Penatarsewu PRM uses a mukhabarah agreement with a profit-sharing system of 60:40. The results have an impact on improving the welfare of farmers based on the indicator maqashid syariah. Judging from al-maqashidul khams, the most successful are Hifdhud Din, Hifdhul Aql, and Hifdhun Nasl. However, the Penatarsewu PRM is expected to be able to direct the results of waqf to productive goals, such as the formation of an entrepreneurial spirit.Keywords: Productive Waqf, Mukhabarah, Maqashid Syariah, PRMREFFERENCE Departemen Agama. (2015). Tanya Jawab Tentang Wakaf Uang. Jakarta: Bimbingan Masyrakat Islam Direktorat Pemberdayaan Wakaf.Anshori, A. G. (2005). Hukum dan praktik Perwakafan di Indonesia. Yogyakarta: Pilar Media.Astuti, D. (2013). Kamus Populer Istilah Islam. Jakarta: Gramedia Pustaka Utama.Bungin, B. (2013). Metodologi penelitian sosial dan Ekonomi. Jakarta: Kencana Prenada Media Group.Chapra, M, Umer. (2008). The Islamic vision of development in the light of maqasid  al-Shariah, 15. IIIT.Choiriyah, C. (2017). Wakaf Produktif dan Tata Cara Pengelolaannya. Islamic Banking, 2(2), 25–34.Ghony, M. Djunaidi,  and F. A. (2012). Metodologi penelitian kualitatif. Yogyakarta: Ar-Ruzz Media.Gross, M. L. (2007). A Muslim archipelago: Islam and politics in Southeast Asia. Washington D.C: Government Printing Office. National Defense Intelligence College.Haroen, N. (2007). Fiqh Muamalah (2nd ed.). Jakarta: Gaya Media Pratama.Huda, M. (2015). Mengalirkan manfaat wakaf: potret perkembangan hukum dan tata kelola wakaf di Indonesia. Bekasi: Gramata Publishing.Lutfi, M. (2011). Optimalisasi pengelolaan wakaf (1st ed.). Makassar: Alauddin University Press......... (2012). Pemberdayaan wakaf produktif: Konsep, kebijakan, dan implementasi (1st ed.). Makassar: Alauddin University Press.Masyhadi, A. (2018). Maqashid syariah sebagai paradigma pengembangunan ekonomi Islam, Al-Musthofa: Journal of Sharia Economics, 1(2), 54-63.Qoẖaf, M. (2005). Al-Waqfu al-islâmiyu tathawwuruhu, idâratuhu, wa tanmiyâtuhu (T. M. M. Ridha, Ed.). Jakarta: Pustaka Al-Kautsar Group......... (2005). Manajemen wakaf produktif. Jakarta: Khalifa.Raco, J. (2010). Metode penelitian kualitatif: jenis, karakteristik dan keunggulannya (N. Mfzuj, Ed.). Center for Open Science.Sabiq, S. (1932). Fiqh al-sunnah. Madinah: Maktabah Hudimat al-Hadis.Sugiyono. (2013). Metode penelitian kuantitatif kualitatif dan R&D. Bandung: Alfabeta.Suhendi, H. (2013). Fiqih mu’amalah. Jakarta: PT Raja Grofindo Persada.Sujana, W. (2010). Analisis pendapatan dan faktor-faktor produksi yang mempengaruhi usahatani tomat di Desa Lebak Muncang, Kecamatan Ciwidey, Kabupaten Bandung. Skripsi tidak diterbitkan. Bogor: Institut Pertanian Bogor.Supriyati. (2011). Metodologi penelitian. Bandung: Labkat Pers.Usman, N. (2013). Pengelolaan wakaf produktif dalam bentuk SPBU studi kasus SPBU Masjid Agung Semarang. Jurnal Muqtasid, 4(1), 145-163.Yin, R. K. (2008). Studi kasus desain dan metode (M. D. Mudzakkir, Ed.). Jakarta: Raja Grafindo Persada.Yin, R. K. (2011). Applications of case study research. North America: SAGE Publications.Zarqa, M. A. (1989). Islamic economic: An approach to human welfare, reading in the concept and methodology of Islamic economics. Selangor Darul Ehsan: Pelanduk Publication.https://databoks.katadata.co.id/datapublish/2018/03/07/lahan-panen-padi-terkonsentrasi-di-pulau-jawa, Diakses pada 27 Juli 2019https://dosen.perbanas.id/indikator-kesejahteraan-menurut-maqasid-syariah/
THE EFFECT OF CAR, ROA, BI 7-DAY RATE, AND INFLATION ON NON-PERFORMING HOME FINANCING IN SHARIA GENERAL BANKS FOR THE 2016-2018 PERIOD Rofadatul Hasanah; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 4 (2020): April-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20204pp774-794

Abstract

This study aims to determine the effect of Capital Adequacy Ratio, Return on Assets, BI 7-Day Rate, and Inflation towards Non Performing Financing Mortgages in Islamic commercial banks in Indonesia. The population of this study is the Islamic commercial banks in the period 2015-2019. The sample used is a saturated sample, which uses all Islamic banks as research samples. This research uses a quantitative approach using time series data. All variables use the percentage of growth and show the results of the level stas so that the technique used is Ordinary Least Square (OLS) regression analysis which is processed using E-Views 10 software. The results of this study indicate partially the Capital Adequacy Ratio and Return on Assets variables have a negative influence significant to NPF KPR. While BI 7-Day Rate and Inflation variables do not have an influence on NPF KPR. Even so, the Capital Adequacy Ratio, Return on Assets, BI 7-Day Rate, and Inflation variables simultaneously have a significant effect on the Non Performing Financing of Mortgages in Islamic commercial banks in Indonesia in the 2015-2019 period.Keywords: Capital Adequacy Ratio (CAR),  Return on Assets (ROA), Inflasi,  Kurs, Non Performing Financing (NPF), Home Ownership LoanREFFERENCE Adlan, M. Aqim. (2016). Penyelesaian kredit macet perbankan dalam pandangan Islam: Tinjauan regulasi kasus kredit macet akibat bencana alam. AN-NISBAH, 2(2), 145-186Akbar, Dinnul Alfian. (2016). Inflasi, Gross Domestic Product (GDP), Capital Adequacy Ratio (CAR), dan Finance to Deposite Ratio (FDR) terhadap Non Perfoming Financing (NPF) pada bank umum syariah di Indonesia. I-Economic,  2(2), 19-37.Asnaini, Sri Wahyuni. (2017). Faktor-faktor yang mempengaruhi Non Perfoming Financing (NPF) pada bank umum syariah di Indonesia tahun 2010-2013. JOCE IP, 11(1), 1-22.Astuty, Pudji dan Nisa Nurjanah. (2018). Analisis Pengaruh Financing to Deposit Ratio (FDR), Non Perfoming Financing (NPF), suku bunga dan bank size terhadap pembiyaan kpr syariah (studi kasus BUS di Indonesia dan Malaysia). Journal Ekonomi,20(3), 286-299.Auliani, Mia Maraya dan Syaichu. (2016). Analisis pengaruh faktor internal dan faktor ekternal terhadap tingkat pembiayaan bermasalah pada bank umum syariah di Indonesia Periode Tahun 2010-2014. Diponegoro Journal of Management, 5(3), 1-14.Bank Indonesia. (2018). Pengenalan inflasi. Diakses pada 11 November 2019. https://www.bi.go.id/id/moneter/inflasi/pengenalan/Contents/Default.aspxBank Indonesia. (2012). Surat Edaran Bank Indonesia perihal penerapan kebijakan produk pembiayaan kepemilikan rumah dan pembiayaan bermotor bagi Bank Umum Syariah dan Unit Usaha Syariah. Jakarta: Departemen Perbankan Syariah (DPbs) dan De[artemen Hukum (DHk).Biro Komunikasi Publik. (2019). Diakses pada 11 September 2019. https://www.pu.go.id/berita/view/16011/program-subsidi-rumah-kementerian-pupr-tahun-2018-targetkan-630-437-unit-rumahDendawijaya, Lukman. (2005). Manajemen Perbankan. Bogor: Ghalia Indonesia.Diansyah. (2016). Pengaruh faktor internal dan eksternal terhadap Non Perfoming Loan (Studi pada bank yang terdaftar di Bursa Efek Indonesia periode 2010-2014). Journal of Business Studies, 2(1), 9-13.Firdaus, Rizal Nur. (2015). Pengaruh faktor internal dan eksternal yang mempengaruhi pembiyaan bermasalah pada bank umum syariah di Indonesia. Jurnal El-Dinar, 3(1), 82-108.Haifa dan Dedi Wibowo. (2015). Pengaruh faktor internal bank dan makro ekonomi terhadap Non Performing Financing perbankan syariah di Indonesia: Periode 2010:01 – 2014:04. AN-NISBAH, 1(2), 29-44.Haris, Helmi. (2007). Pembiayaan kepemilikan rumah (sebuah inovasi pembiayaan perbankan syari’ah). Jumal Ekonomi Islam La_Riba, 1(1), 113-125.Hernawati, Herni dan Oktaviani Rita Puspitasari. (2018). Pengaruh faktor makroekonomi terhadap pembiayaan bermasalah. Journal of Islamic Finance and Accounting, 1(1), 29-44.Ikatan Akuntansi Indoensia. (2000). Standar akuntansi keuangan. Jakarta: Salemba Empat.Ikatan Bankir Indonesia. (2014). Mengelolah Kredit Secara Sehat. Edis Pertama. Jakarta: Gramedia Pustaka Utama.Isaev, Mirolim dan Mansur Masih. (2017). Macroeconomic and bank-specific determinants of different categories of non-perfoming financing in Islamics banks: Evidence from Malaysia. Munich Personal RePEc Archive Paper No 79719, 1-24. Retrieved from https://mpra.ub.uni-muenchen.de/79719/ Karl dan Fair. (2001). Pembayaran bunga tahunan dari suatu pinjaman, yang diperoleh. Yogyakarta: YKPN.Kasmir. (2009). Pengantar manajemen keuangan. Jakarta: Kencana.Kurniawan, Agung Widhi dan Zahra Puspitaningtyas. (2016). Metode penelitian kuantitatif.  Yogyakarta: Pandiva Buku.Kusuma, Ervina Chandra dan A Mulyo Haryanto. (2016). Analisis pengaruh variabel kinerja bank (CAR, ROA, BOPO dan LDR), serta pertumbuhan kredit dan kualitas kredit terhadap Non Performing Loan (NPL). Diponegoro Journal of Management, 5(4), 1-13.Lidya, Rika. (2016). Dampak Inflasi, BI Rate, Capital Adequacy Ratio (CAR), Biaya Operasional Pendapatan Operasional (BOPO), terhadap Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia. Jurnal I-Finance, 2(1), 1-19.Meydianawathi, Luh Gede. (2003). Analisis perilaku penawaran kredit perbankan kepada sektor UMKM di Indoensia (2002-2006). Universitas Udayana Denpasar: Buletin Studi Ekonomi, 12(2). 135-147.Muhammad. (2005). Bank syariah problem dan proses perkembangan di Indonesia. Yogyakarta: Graha Ilmu. ______. (2005). Manajemen bank syariah. Yogyakarta: UPPAMP YKPN.Natsir, M. (2014) Ekonomi moneter dan perbankan sentral. Jakarta: Mitra Wacana Media.OJK. (2013). Laporan perkembangan keuangan syariah tahun 2013. Jakarta: Otoritas Jasa Keuangan.______. (2015). Statistik Perbankan Syariah. Jakarta: Departemen Perizinan dan Informasi Perbankan OJK Indonesia.______. (2015). Surat Edaran Otoritas Jasa Keuangan Surat Edaran BI NO.14/33/DPbs tentang penerapan kebijakan produk pembiayaan kepemilikan rumah dan pembiayaan kendaraan bermotor bagi bank umum syariah dan unit usaha syariah. Jakarta: Otoritas Jasa Keuangan.______. (2016). Statistik Perbankan Syariah. Jakarta: Departemen Perizinan dan Informasi Perbankan OJK Indonesia.______. (2016). Standar Produk Perbankan Syariah Musyarakah dan Musyarakah Mutanaqisah. Jakarta: Departemen Perbankan Syariah OJK Indonesia.______. (2017). Statistik Perbankan Syariah. Jakarta: Departemen Perizinan dan Informasi Perbankan OJK Indonesia.______. (2018). Statistik Perbankan Syariah. Jakarta: Departemen Perizinan dan Informasi Perbankan OJK Indonesia.______. (2019). Statistik Perbankan Syariah. Jakarta: Departemen Perizinan dan Informasi Perbankan OJK Indonesia.Pemerintah Indonesia. (2008). Undang-Undang Nomor 21 tahun 2008 perbankan syariah. Lembaran RI tahunn 2008 No 21. Jakarta: Sekretariat Negara.Rahmadani, Peni. (2016). Implikasi SBI, PDB, Inflasi, DPK, Total Aset, dan FDR pembiyaan KPR terhadap NPF Pembiayaan KPR Perbankan Syariah di Indonesia periode 2008-2015. Skripsi tidak diterbitkan. Jakarta: Universitas Islam Negeri Syarif Hidayatullah.Rakhmawati, Diah Nur. (2011). Analisis faktor-faktor yang mempengaruhi permintaan Kredit Pemilikan Rumah (KPR) pada bank umum di Indonesia tahun 2003-2010. Skripsi tidak diterbitkan. Surakarta: Universitas Sebelas Maret. Surakarta.Raysa, Siti. (2014). Pengaruh CAR, FDR, ROA, BOPO, Return Pembiayaan Profit Loss Sharing,  BI Rate, dan Size terhadap Non Performing Financing pada Bank Umum Syariah Periode 2010-2013. Skripsi tidak diterbitkan. Yogyakarta: Universitas Islam Negeri Sunan Kalijaga.Sekretaris Kabinet RI. (2017). Diakses pada 10 September  2019. http://presidenri.go.id/program-prioritas-2/rumah-subsidi-untuk-masyarakat-berpenghasilan-rendah.htmlSudarsono, Heri. (2012). Bank dan lembaga keuangan syariah: Deskripsi dan ilustrasi. Yogyakarta: Ekosoria.Sunariyah. (2004). Pengantar pengetahuan pasar modal. Yogyakarta: AMP YKPN.Wardiantika, Lifstin dan Rohmawati Kusumaningtyas. (2014). Pengaruh DPK, CAR, NPF, dan SWBI terhadap pembiyaan murabahah pada bank umum syariah tahun 2008-2012. Jurnal Ilmu Managemen, 2(4), 1550-1561.Wardoyo, Paulus dan Endang Rusdiyanti. (2009). Faktor-faktor yang mempengaruhi Non Perfoming Loan bank perkreditan rakyat di eks karedidenan Semarang. J. Dinamika Sosbud, 11(2), 127-139.Yusof, Risylin Mohd, dkk. (2018). Macroeconomic shock, fragility and home financing in Malaysia: can rental index be the answer?. Journal of Islamic Accounting and Bussines Research, 9(1), 17-44. DOI 10.1108/JIABR-11-2015-0058.Yuwono, Febry A. (2012). Analisis pengaruh DPK, LDR, CAR, NPL, ROA dan SBI terhadap jumlah penyaluran kredit. Skripsi tidak diterbitkan. Semarang: Univeristas Diponegoro.
THE ANALYSIS OF FACTORS THAT INFLUENCE ECONOMIC GROWTH IN OKI Wheni Yeisa; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1128-1145

Abstract

Economic growth is an indicator that plays an important role in determining the prosperity of a country. This study aims to analyze the effect of labour force, international trade, and inflation towards economic growth in OIC countries over the period 2007 to 2018. Panel data regression analysis approach was adopted to analyze the effect of independent variables on the dependent variable. The results of the fixed effect estimation model found that all variables simultaneously had a significant effect on economic growth. Partially, labour force and internasional trade have a significant effect, while inflation has no significant effect on economic growth. The results of this study can be used as a reference and evaluation materials for policy makers.Keywords: Labour Force, International Trade, Inflation, Economic Growth, Organizations of Islamic CooperationREFFERENCE Ahmad Bhat, Shariq dan Mahboob R.L. (2017). Interest rate, inflation rate, and gross domestic product of India. International Journal of Technical Research & Science, 1(9), 284-288. Al-Faizin, Abdul Wahid, dan Nashr Akbar. (2018). Tafsir ekonomi kontemporer: Menggali teori ekonomi dari ayat-ayat al-qur’an. Jakarta: Gema Insani.Amir, H., Khan, M., & Bilal, K. (2015). Impact of educated labor force on Economic growth of Pakistan: A human capital perspective. European Online Journal of Natural and Social Sciences, 4(4), 814–831.Atoyebi et al. (2012). Foreign trade and economic growth in Nigeria: An empirical analysis. American Academic and Scholarly Research Journal, 4(5), 1-12. Cahyadin, Malik dan Sarmidi, Tamat. (2019). The Impact of foreign direct investment, labour force, and external debt on economic growth in Indonesia and Malaysia. Jurnal Ekonomi Malaysia, 53(1), 171-185.Halim, Abdul M. (2018). Teori ekonomi makro, edisi ketiga. Bogor: Mitra Wacana Media.Iqbal, Nasir and Saima, Nawaz. (2010). Investment, inflation and economic growth nexus. Munich Personal RePEc Archive No. 27163, posted 02 Dec 2010.Ibn Khaldun. (2011). Muqadimmah: terj. Masturi Irham, dkk. Jakarta: Pustaka Al-Kautsar.International Labour Organization (https://www.ilo.org/global/topics/forced-labour/) diakses 10 Februari 2020)Iskandar, Putong. (2013). Economics, pengantar mikro dan makro, edisi kelima. Jakarta: Mitra Wacana Media.ILO, OECD & World Bank Group. 2015. The contribution of labour mobility to economic growth. G20 labour and employment ministers’ meeting. Turkey.Kasmir. (2013). Perbankan Syariah. Jakarta: Kencana.Kementerian Agama Republik Indonesia. (2020). Al-Qur’an dan terjemahan (https://quran.kemenag.go.id), (diakses 15 Januari 2020)Kim, D.-H., & Lin, S.-C. (2009). Trade and growth at different stages of economic development. Journal of Development Studies, 45(8), 1211-1224.Kovac, Ivana. (2013). The influence of international trade of goods of the Republic of Croatia. Journal of Enterprising Communities: People and Places in the Global Economy, 7(1), 60-73. DOI: https://doi.org/10.1108/17506201311315617 Manulang, M. (2013). Manajemen sumber daya manusia. Bandung: Cipta Pustaka Media Perintis.Mohseni, M., & Jouzaryan, F. (2016). Examining the Effects of Inflation and unemployment on economic growth in Iran (1996-2012). Procedia Economics and Finance, 36(16), 381–389.Muhammad, Qazi dan Hye, Adnan. (2012). Exports, imports and economic growth in China: an ARDL analysis. Journal of Chinese Economic and Foreign Trade Studies, 5(1), 42-55.Munir, Qaiser, M. Kasim, & F. Furuoka. (2009). Inflation and economic growth in Malaysia. A threshold regression approach. ASEAN Economic Bulletin, 26(2), 108-93.Murni, Asfia Murni. (2013). Ekonomika makro. Bandung: PT. Refika Aditama. Organization of Islamic Cooperation (online) (https://www.oic-oci.org, diakses 10 Januari 2020)Pujoalwanto, Basuki. (2014). Perekonomian Indonesia: Tinjauan historis, teoritis, dan empiris. Yogyakarta: Graha Ilmu.Raghutla, C., & Chittedi, K. R. (2020). Is there an export- or import-led growth in emerging countries? A case of BRICS countries. Journal of  Public Affairs, 1-12. DOI: https://doi.org/10.1002/pa.2074Rahardjo Adisasmita. (2013). Teori-teori pembangunan ekonomi, pertumbuhan ekonomi dan pertumbuhan wilayah, cetakan pertama. Yogyakarta: Graha Ilmu.Rozalinda. (2014). Ekonomi Islam teori dan aplikasinya pada aktivitas ekonomi. Jakarta: Raja Grafindo Persada.Sidra, Nazir et al. (2017). Threshold modeling for Inflation and GDP Growth. Munich Personal RePEc Archieve.S. H. Manulang. (2010). Pokok-pokok hukum ketenagakerjaan di Indonesia. Jakarta: Rineka Cipta.Shihab, M. Quraish. (2017). Tafsir al-misbah (pesan, kesan, dan keserasian Al-Qur’an), Vol 5 . Jakarta: Pelita Hati.__________________. (2017). Tafsir al-Misbah (Pesan, Kesan, dan Keserasian Al-Qur’an), Vol 6. Jakarta: Pelita Hati.__________________. (2017). Tafsir al-Misbah (Pesan, Kesan, dan Keserasian Al-Qur’an), Vol 10. Jakarta: Pelita Hati.__________________. (2017). Tafsir al-Misbah (Pesan, Kesan, dan Keserasian Al-Qur’an), Vol 14. Jakarta: Pelita Hati.Shochrul R, Ajija, dkk. (2011). Cara cerdas menguasai E-Views. Jakarta: Salemba Empat.Statistical, Economic and Social Research and Training Centre for Islamic Countries (SESRIC). (2019). OIC economic outlook 2019, mobilizing financial resources for development. Publication Department, SESRIC.Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: CV Alfabeta.Sukirno, Sadono. (2013). Makro ekonomi: Teori pengantar, edisi ketiga. Jakarta: Penerbit Rajawali Pers.Suparmoko, M dan Sofilda, E. (2017). Pengantar ekonomi makro, edisi 5. Bogor: In Media.Sustainable Development Goals (2017) (https://www.un.org/sustainabledevelopment/ diakses 10 Februari 2020)Syauqi, Irfan. (2016). Ekonomi pembangunan syariah. Jakarta: PT Raja Grafindo Persada.Thanh, S. D. (2015). Threshold effects of inflation on growth in the ASEAN-5 countries: A PSTR approach. Journal of Economics, Finance and Administrative Science, 20(2015), 41–48.United Nations Statistics Division (2017) (https://www.un.stats.org/ diakses 29 Februari 2020).Widarjono. Agus. 2018. Ekonometrika teori dan aplikasi untuk ekonomi dan bisnis. Yogyakarta: Ekonisia.World Bank (https://data.worldbank.org/indicator, diakses 15 Januari 2020)Xiao, J. (2009). The Relationship between inflation and economic growth of China: Empirical study from 1978 to 2007. Lund University School of Economic and Management.Yakubu, M. M., Akanegbu, B. N., & Jelilov, G. (2020). Labour force participation and economic growth in Nigeria. Advances in Management & Applied Economics, 10(1), 1-14.
FACTORS AFFECTING CONSUMERS TO CHOOSE 212 MART SURABAYA AS A PLACE TO SHOP Iwan Prakoso Gunawarman; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 1 (2020): Januari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20201pp50-69

Abstract

This research aims to find out factors that influence consumers decision on shopping at sharia mart 212 Mart at Wonorejo, Surabaya in the middle of the rapid growth of 212 Mart’s franchise around Indonesia. The method used in this research is explorative factor analysis. The population’s charateristics used in this study are consumers of 212 Mart Surabaya and people that live around Wonorejo that ever trade at 212 Mart. The amount of sample that are used in this study are 30 respondents for the pre-eliminary test and 95 respondents for the main test. This research used convenience sampling to withdraw samples. This research found that there are five factors that influence consumers decision on shopping at sharia mart 212 Mart Surabaya. The factors are consumer compability of halal goods factor, recommendation from friends that has the same vision about 212 movement factor, inventory factor, parking area factor and Islamic atsmosphere factor.Keywords: Consumers Decisions, Sharia Mart, Compability of halal goods, Friend Recommendation, inventory, Parking Area, Islamic Atsmosphere.REFFERENCES Burns, Alvin C dan Ronald F. Bush. (2014). Marketing research seventh edition. Essex: Pearson Education Limited.Hayati, Asfarina. (2014). Faktor yang mempengaruhi keputusan konsumen muslim memilih hotel syariah grand kalimas Surabaya. Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.Hariadi, Guruh Taufan. (2016). Faktor-faktor yang Mempengaruhi Konsumen berbelanja di minimarket (studi pada indomaret dan alfamart di Semarang). Jurnal Penelitian Ekonomi dan Bisinis, 1(1), 6-32.Hikmawati, Dianur dan Chaikal Nuryakin. (2017). Keberadaan ritel modern dan dampaknya terhadap pasar tradisional di DKI Jakarta. Jurnal Ekonomi dan PembangunanIndonesia, 17(2), 195-208.Hussain, Riaz dan Mazhar Ali. (2015). Effect of Store Atmosphere on Consumer Purchase Intention. International Journal of Marketing Studies, 7(2), 35-43.Kementerian Agama Republik Indonesia. (2017). Al-Aqsha Mushaf Terjemah Tajwid Warna. Surabaya: UD Nur Ilmu.Khayruzzaman. (2016). Impact of religiosity on buying behaviour of financial products: a literature review. International Journal of Finance and Banking Research, 2(1), 18-23.Kotler, Phillip dan Gary Armstrong. (2016). Principles of marketing, 15th Edition. Harlow: Pearson Education Limited.------, dan Kevin Lane Keller. (2016). Marketing management, 15th Edition. Harlow: Pearson Education Limited.Madjid, Rahmat. (2014). The influence store atmosphere towards customer emotons and purchase decisions. International Journal of Humanities and Social Science Invention, 3(10), 11-19.Malhotra, Naresh K. (2010). Marketing research: an applied orientation Sixth Edition. New Jersey: Pearson Education, Inc.Moediarso, Hisnarilla Century. (2012). Pengaruh Karakter Amanah Amil Terhadap Niat Memilih Menjadi Donatur Tetap Pada Dompet Dhuafa Jawa Timur. Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi Dan Bisnis Universitas Airlangga.Muflih, Muhammad. (2006). Perilaku Konsumen Dalam Perspektif Ilmu Ekonomi Islam. Jakarta: PT RajaGrafindo Persada.Omar, Ogenyi. (1999). Retail marketing. Essex: Pearson Education Limited.Othman, AbdulQawi dan Lynn Owen. (2001). Adopting and measuring customer service quality (sq) in Islamic banks: a case study in Kuwait Finance House. International Journal of Islamic Financial Services, 3(1), 1-26.Parasuraman, A, Valarie A Zeithaml dan Leonard L. Berry. (1998). Servqual: a multiple-item scale for measuring consumer perceptions of service quality. Journal of Retailing, 64(1), 12-40.Pusat Pengkajian Dan Pengembangan Ekonomi Islam (P3EI) Universitas Islam Indonesia Yogyakarta. (2014). Ekonomi Islam. Jakarta: PT RajaGrafindo Persada.Ratnasari, Ririn Tri. (2012). Manajemen pemasaran Islam. Modul 3. Surabaya: Departemen Ekonomi Syariah Fakultas Ekonomi dan Bisnis Universitas Airlangga.------, Fatin Fadhilah Hasib, dan Moh. Qudsi Fauzy. (2015). Religiousity on shopping orientation and behavioral intention for moslem and non-moslem customers. Surabaya: Departemen Ekonomi Syariah Fakultas Ekonomi Dan Bisnis Universitas Airlangga.Saraswati, S.H. (2017). Analisis dampak keberadaan minimarket indomaret dan alfamart terhadap UKM dalam kaitannya dengan peraturan presiden nomor 112 tahun 2007 tentang penataan dan pembinaan pasar tradisional, pusat perbelanjaan dan toko modern (studi di kota Pontianak). Jurnal NESTOR Magister Hukum, 4(4).Schiffman, Leon dan Leslie Lazar Kanuk. (2008). Perilaku Konsumen. Edisi 7. Jakarta: Indeks.Sezgin, Mete dan Senem Küçükköylü. (2014). Store’s Atmosphere’s Importance in Creating Store’s Image in Sustainable Management of Store and a Research in Konya (Turkey) City. Journal of Advanced Management Science, 2(3), 186-191. Doi: 10.12720/joams.2.3.186-191Sihombing, Sabrina O. (2011). Memprediksi Hubungan, Loyalitas Merek, Rasa Keikutsertaan, Kecocokan Citra Diri dan Konsumsi Terakhir Terhadap Kesejahteraan Konsumen: Studi Empiris Pada Kedai Kopi Starbucks (hal 192-207). Jurnal EKOBIS, 12(2).Sugiyono, (2018). Metode penelitian kuantitatif kualitatif dan R&D. Bandung: Alfabeta.Sula, Muhammad Syakir dan Hermawan Kartajaya. (2006). Syariah marketing. Bandung: PT Mizan Pustaka.Zaba-Nieroda, Renata. (2011). Developing Corporate Image. The Malopolska School of Economics in Tarnow Research Papers Collection. Issue 1/2011.Zikmund, William G dan Barry J babin. (2013). Menjelajahi riset pemasaran. Jakarta: Salemba Empat.

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