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INDONESIA
An-Nisbah: Jurnal Ekonomi Syariah
Published by Universitas Islam Negeri Sayyid Ali Rahmatullah Tulungagung
ISSN : 25495712     EISSN : 24068276     DOI : 10.21274
Core Subject : Economy, Social,
Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice
Arjuna Subject : -
Articles 321 Documents
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ANALISIS KAUSALITAS DAN KOINTEGRASI ANTARA PERBANKAN SYARIAH DAN PERTUMBUHAN EKONOMI JAWA TIMUR
An-Nisbah: Jurnal Ekonomi Syariah Vol 6 No 2 (2019): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2019.6.2.208-231

Abstract

This study aims to examine the causal relationship between Islamic banking and East Java's economic growth and the long-term relationship (cointegration) between Islamic banking and East Java economic growth for the period 2010-2017. The variables used in this study are total financing and total third party funds of Islamic banking as a representation of Islamic banking. While economic growth is represented by East Java Gross Regional Domestic Product (GRDP). Data analysis using Granger Causality Test and Johansen Cointegration Test with the help of software Eviews 9. The results showed that there is a two-way causality relationship between Islamic banking and East Java economic growth. Islamic banking influences the economic growth of East Java, and conversely economic growth influences Islamic banking. In addition, there is a long-term relationship (cointegration) between Islamic banking and economic growth in East Java. The rapid development of Islamic banking will provide benefits for economic growth and this will have a long-term impact on the welfare and well-being of the people in East Java
THE IMPLEMENTATION OF RESCHEDULING IN MURĀBAḤAH MICRO FINANCING AT BANK SYARIAH MANDIRI INDONESIA
An-Nisbah: Jurnal Ekonomi Syariah Vol 6 No 2 (2019): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2019.6.2.465-488

Abstract

The Implementation of Rescheduling murābaḥah micro financing at Bank Syariah Mandiri Indonesia. This research is an analysis of the rescheduling of murābaḥah micro financing in Bank Syariah Mandiri Branch Dumai, Indonesia. There are many Shariah banks in Indonesia experiencing problems due to unpaid financing and can lower bank performance. Therefore, the bank is implementing the rescheduling of murābaḥah micro financing to avoid exceeding the level set by Bank Indonesia of 5%. This research was conducted to analyze in depth about the rescheduling of murābaḥah micro financing implemented by Bank Syariah Mandiri Branch Dumai, Indonesia. This research uses data collection method by observation, interview and library data which then analyzed by using inductive, deductive and comparative method. The result of this research is in the implementation of rescheduling the murābaḥah micro financing, there are three conditions, namely 1) not increasing the amount of remaining debt, 2) the costs in the rescheduling process are the actual costs, and 3) the additional payment time must be based on the agreement of both parties. From these conditions, the bank only does two, namely not increasing the amount of the remaining debt and adding payment time, while the bank is still wearing the customer with the rescheduling or penalty fees that make it difficult for the customer. Because of that, there are three suggestions from the researcher that is to provide a wide payment time, reschedule without the costs charged to the customer (penalty) except the actual costs such as administrative costs and conversion of murābaḥah financing contract into a qarḍ financing contract
KONSEP PAJAK DALAM PERSPEKTIF ABU YUSUF DAN ASY-SYATIBI
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.154 - 175

Abstract

Pajak merupakan iuran warga negara yang bersifat wajib dan diatur oleh undang-undang. Dalam ekonomi Islam, konsep pajak yang paling mendekati dengan konsep pajak yang dipakai di Indonesia telah dikemukakan oleh Abu Yusuf dan asy-Syatibi. Jurnal ini bertujuan untuk mengetahui konsep pajak dalam perspektif Abu Yusuf dan asy-Syatibi serta relevansinya dengan konsep pajak yang diterapkan di Negara Indonesia saat ini. Hasil analisis menyimpulkan bahwa terdapat beberapa relevansi antara konsep pajak yang dikemukakan oleh Abu Yusuf dan konsep pajak yang dikemukakan oleh asy-Syatibi dengan konsep pajak yang diterpkan di Indonesia. Konsep pajak yang dikemukakan oleh Abu Yusuf adalah al-Kharaj, konsep ini memiliki relevansi dengan konsep Pajak Bumi dan Bangunan (PBB) yang diterapkan di Indoneia. Sedangkan konsep pajak yang dikemukakan oleh asy-Syatibi adalah adh-Dharibah, konsep pajak ini memiliki relevansi dengan Konsep Pajak Penghasilan pasal 25 (PPh 25) yang diterapkan di Indonesia.
ZAKAT OPTIMIZING STRATEGY THROUGH VOLUNTEERISM
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.46 - 73

Abstract

The aim of this research is to optimize zakat potential in Indonesia both collection and distribution. One of the efforts to optimize is by involving millennial generation in the collection of zakat, their management and yields and sustainability. The current number of millennials is the highest among other generations. Millennial generation involvement can be in the form of volunteerism. The development of the voluntary movement in Indonesia is increasingly widespread with various activities such as social services, training, education, public health, environment, conservation, culture, arts and culture, tourism and others. The Zakat Institution must have a model of good voluntary movement management so it can assist the process of collecting, managing and distributing Zakat. The more people involved in zakat optimizing, more people will have understanding and awareness of the important role and benefits of zakat for Indonesia.
ANALISIS KESESUAIAN SYARIAH ELECTRONIC MONEY PADA BANK PENERBIT UANG ELEKTRONIK DI INDONESIA
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.212 - 249

Abstract

Uang elektronik sebagai instrumen pembayaran mikro (micropayment) dapat menjadikan proses pembayaran secara lebih cepat, mudah, efisien, dan aman. Walaupun mempunyai banyak kemanfaatan dan keunggulan, kesesuaian uang elektronik dengan syariat Islam masih perlu didiskusikan mengingat baru ada satu uang elektronik yang mendapatkan sertifikat halal MUI. Kesesuaian dengan kaidah fiqh, akad-akad muamalah, maqasid syariah dan fatwa DSN-MUI sangat penting untuk menentukan apakah uang elektronik tersebut telah sesuai dengan syariat Islam atau tidak. Penelitian ini mengambil data dari kepustakaan (library research). Penelitian ini melakukan teknik pengumpulan data dengan melakukan penelitian terhadap berbagai literatur. Literatur yang digunakan merujuk kepada hukum ekonomi syariah, maqasidh syariah, dan Peraturan Bank Indonesia tentang uang elektronik. Dalam penentuan kesesuaian syariah pada uang elektronik terdapat dua hal yang perlu dianalisis, yakni karakter uang elektronik (dzatnya) dan bagaimana mekanisme uang elektronik yang berlaku (penerapan muamalahnya). Dari segi karakteristik dzatnya, nilai uang elektronik konstan dan stabil sehingga tidak bisa dijadikan alat spekulatif bagi yang memegangnya. Sehingga uang elektronik bisa terbebas dari unsur riba, gharar dan perjudian karena jumlahnya tetap. Jika bank tersebut mengelola secara benar dan tidak bertentangan dengan prinsip-prinsip syariah maka hal tersebut diperbolehkan. Pengguna uang elektronik tidak perlu khawatir tentang kehalalan produk uang elektronik tersebut sebab pada dasarnya itu adalah representasi dari sejumlah uang yang mereka miliki. Adapun kelebihan pembayaran saat hendak mengisi ulang uang elektronik merupakan ujroh/imbalan atas jasa yang telah ditawarkannya. Akad-akad yang dapat digunakan dalam mekanisme uang elektronik adalah jual beli (al-ba’y), 2) wadiah, 3) sharf, 4) ijarah, 5) wakalah, 6) qardh.
TEORI EKONOMI MAKRO DALAM LITERATUR ISLAM KLASIK
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.120 - 153

Abstract

Islamic economics is a science that was born as an alternative to conventional economics, Schumpeter wrote down the economic history of Greek philosophers and immediately made a long leap for 500 years known as the great gap. Along with the times, the development of science is also growing. therefore Islamic economics as a concept of thought and practice is present gradually in a certain phase period. In medieval times the development of the history of Islamic economic thought was divided into three periods, namely the Islamic period of the early period until 1058 AD, the second period of Islamic Economics (1058-144 AD), third period Islamic Economics (1446-1931). Thus, history is one proof of the development of science. Islamic macroeconomic theory about economic growth, inflation, and money is not new, but has existed since the time of the Prophet. Economic growth according to classical Islam is aimed at advancing material and spiritual sides, and humans as the prosperous earth to get falah. Inflation in classical Islam is caused by human errors identified by corruption and poor administration. While the money in the Islamic economic literature used is dinar and dirham, the currency is imported, Roman dinars and dirhams from Persia.
OPTIMALISASI STRUKTUR DAN REGULASI LEMBAGA KEUANGAN SYARIAH DI INDONESIA
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.176 - 211

Abstract

Islamic Financial Institutions have a very important position as a sharia-based Islamic economic institution in the middle of the national development process. The establishment of Islamic financial institutions is an implementation of the understanding of Muslims towards muamalah principles in Islamic economic law which are then presented in the form of Islamic economic institutions such as bank and non-bank Islamic financial institutions. Islamic financial institutions are important instruments in Islamic economic development, where the public or the state cannot ignore the importance of establishing its institutions. Since 1991, the existence of an Indonesian sharia financial institution is a kind of Islamic bank (BMI and BPRS) as an alternative banking institution that is free from money development practices. Similar practices are followed by sharia non-bank Islamic financial institutions such as Insurance, Islamic Capital Market, Pawn, Leassing, BMT, Financing, Hiwalah, and others.
PENGARUH SHARIAH RELATIONSHIP MARKETING DAN KUALITAS LAYANAN TERHADAP KEPUASAN PELANGGAN SERTA DAMPAKNYA TERHADAP WORD OF MOUTH NASABAH BANK JATIM SYARI’AH KEDIRI
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.273 - 301

Abstract

This research is designed to analyze the effect of several factors, such as shariah relationship marketing,  service quality, customer satisfaction and word of mouth in the surrounding of  customer Islamic bank industry.  Survey and explanatory methods are used in the research by applying purposive proportional sampling technique. The technique of data analysis is descriptive, confirmatory factor and structural technique data analysis using Structural Equation Model ( SEM). The result of validity and reliability test on all items proves that all of those item are valid and reliable. Overall goodness of fit shows that the model used in this research meets the requirement to be a good model. The result of the hypothesis testing on confirmatory factors shows that the estimated factor dimension has signifigant contribution on latent variables among which are shariah relationship marketing,  service quality, customer satisfaction and word of mouth. The result of structural  model hypothesis testing are  as follows : 1) it has been proved that shariah relationship marketing and service quality have significant effect on customer satisfaction. 2) it has been proved that shariah relationship marketing and service quality have significant effect on word of mouth. 3) it has been proved that customer satisfaction have significant effect on word of mouth. 4) it has been proved that shariah relationship marketing and service quality have significant effect on word of mouth through customer satisfaction. Keywords: Shariah relationship marketing,  Service quality, Customer satisfaction and Word of mouth.
PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP CONSUMER BEHAVIOR MAHASISWA
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.74 - 119

Abstract

Islam mengatur seluruh aspek kehidupan manusia. Sebagai seorang muslim, perilaku manusia telah diatur sesuai dengan nilai dan norma syariat Islam. Pola perilaku di era industri seperti sekarang dipengaruhi oleh banyak faktor, salah satunya yaitu pemahaman tentang literasi keuangan. Pemahaman tentang literasi keuangan sangat diperlukan dalam hal pemenuhan kebutuhan hidup agar perilaku manusia dalam memanfaatkan pendapatannya menjadi terarah dan tidak bertentangan dengan nilai dan norma ajaran Islam. Penelitian dilakukan terhadap mahasiswa Fakultas Ekonomi dan Bisnis Islam IAIN Tulungagung. Data penelitian diperoleh melalui pemberian kuesioner. Selanjutnya data dianalisis dengan menggunakan uji regresi. Hasil penelitian menunjukkan bahwa mahasiswa dengan pemahaman financial knowledge tidak dijadikan dasar dalam penentuan pilihan dalam mengkonsumsi barang dan jasa. Mahasiswa dalam mengkonsumsi barang dan jasa yang diinginkan tidak dipengaruhi oleh perilaku pengelolaan keuangannya. Mahasiswa yang mempunyai sikap keuangan yang baik akan cenderung lebih baik dan bijak pula dalam perilaku keuangannya, sebaliknya mahasiswa dengan sikap keuangan yang buruk akan cenderung mempunyai perilaku keuangan yang buruk juga. Mahasiswa dengan financial satisfaction yang positif akan menggunakan seluruh pendapatannya  untuk dibelanjakan sesuai dengan aturan dan tuntunan Islam sehingga perilakunya dalam mengkonsumsi barang dan jasa akan menghasilkan kepuasan yang positif dan sesuai syariat Islam. Mahasiswa dengan pemahaman financial knowledge tidak dijadikan dasar dalam penentuan pilihan dalam mengkonsumsi barang dan jasa. Kata Kunci: Financial Knowledge, Financial Behavior, Financial Attitude, Financial Satisfaction, Consumer Behavior
KONSEP PERTUKARAN DAN PERANAN UANG MENURUT IBNU MISKAWAIH
An-Nisbah: Jurnal Ekonomi Syariah Vol 7 No 1 (2020): An-Nisbah
Publisher : IAIN Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2020.7.1.250 - 272

Abstract

Ibnu Miskawaih selain terkenal sebagai Bapak Etika Islam ternyata juga memberikan kontribusi pemikirannya dalam ilmu ekonomi. Selain pemikiran Ibnu Miskawaih dalam ilmu pendidikan terdapat juga pemikirannya dalam ilmu ekonomi. Salah satu pemikirannya dalam ilmu ekonomi yaitu tentang konsep pertukaran uang dan peranan uang. Pendekatan dalam penulisan yang dilakukan yaitu menggunakan metode kualitatif studi kepustakaan (Library Research). Hasil dari kajian menunjukkan manusia adalah makhluk sosial yang paling membutuhkann satu sama lainnya untuk memenuhi kebutuhan barang dan jasa. Karenanya, manusia akan melakukan pertukaran barang dan jasa dengan kompensasi yang pas (reward, al-mukafat al-mukafat almunasihab). Dalam melakukan pertukaran uang akan berperan sebagai alat penilaian dan penyeimbang (al-muqawwim al-musawwi baynahuma) dalam pertukaran, sehingga dapat tercipta keadilan.

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