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Jurnal Al-Qardh
Published by Institut Agama Islam Negeri Palangka Raya
ISSN : 23546034     EISSN : 25990187     DOI : 10.23971/jaq.v1i2.
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Journal Alqardh published by Faculty of Islamic Economics and Business is aimed at being a medium for research results dissemination and scientific papers on the Indonesian economy and business among international academics, practitioners, regulators, and public. The Alqardh is issued two times annually, i.e., in July, and Desember. The Editor receives research manuscripts that not have been offered for publication elsewhere. Since its first issue published in 2016, the Journal Al-Qardh has more progress. Its commitment toward the development of education, especially in the realm of research, the aim Alqardh being a prestigious scholarly periodical in the world on the Indonesian economy and business
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 198 Documents
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Penanganan Sengketa Ekonomi Syariah Perspektif Cita Hukum di Pengadilan Tinggi Agama Semarang Mohammad Jamaludin Jamaludin
AL-QARDH Vol 5, No 1 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i1.1882

Abstract

This article examines the handling of sharia economic disputes from the perspective of the ideals of law in the Religion High Court of Semarang, considering that up to now many decisions of the Religious High Court have been pursued at the cassation level (Supreme Court). The focus of this research study is to answer a number of issues, namely: how is the mechanism for handling sharia economic disputes in the Religion High Court of Semarang, what is the legal basis used by judges in the process of examining sharia economic disputes, and how the review of legal ideals towards handling sharia economic disputes in the Religion High Court of Semarang.            Judging from the type, this article was categorized as field research with an empirical juridical approach. In analyzed the data, the writer used descriptive-analytical methods, by described primary data that the author has obtained in the Religion High Court of Semarang, supplemented with secondary data related to handling sharia economic disputes in the Religion High Court, then analyzed using the legal ideal theory which includes justice, legal certainty, and expediency.            Based on the results of the research conducted by the writer in the Religion High Court of Semarang, the writer can conclude that, the handling of sharia economic disputes in the Religion High Court of Semarang has not been fully implemented as it should. The handling of sharia economic disputes in the Religion High Court of Semarang is carried out by examining and adjudicate cases based on facts / sitting cases contained in the appeal case file sent by the religious court that has examined and decided the case at the first level, plus an additional examination if the judge consider there are things that require clarity or to add to the completeness of evidence. A review of the legal ideals for handling sharia economic disputes in the Religion High Court of Semarang include: in terms of the ideals of the law of justice, judges in realizing the ideals of the law of justice are still constrained by vague provisions in the laws and regulations in which regulate about the procedures for examining sharia economic disputes in the level of appeal, which makes the judge unable to realize the desired justice. Judging from the ideals of legal certainty, the obstacle in realizing this legal ideal is the absence of special provisions regulate about civil procedural law (procedures for examining cases), especially sharia economic disputes at the appellate court, additionally there are several Supreme Court jurisprudences that are conflicting/contradicting. While in terms of the legal ideal of expediency, some have fulfilled this legal ideal because it is in accordance with the provisions that regulate the costs of handling cases and the duration of handling cases. Artikel ini mengkaji tentang penanganan sengketa ekonomi syariah perspektif cita hukum di Pengadilan Tinggi Agama Semarang, mengingat hingga saat ini banyak putusan Pengadilan Tinggi Agama diupayakan hukum di tingkat kasasi. Fokus kajian penelitian ini adalah untuk menjawab beberapa persoalan, yaitu: bagaimana mekanisme penanganan sengketa ekonomi syariah di Pengadilan Tinggi Agama Semarang, apa dasar hukum yang digunakan hakim dalam proses pemeriksaan sengketa ekonomi syariah, dan bagaimana tinjauan cita hukum terhadap penanganan sengketa ekonomi syariah di Pengadilan Tinggi Agama Semarang..Dilihat dari jenisnya, artikel ini dikategorikan sebagai penelitian lapangan (field research) dengan pendekatan yuridis empiris. Dalam menganalisis data, penulis menggunakan metode deskriptif-analitis, yaitu dengan menggambarkan data primer yang telah penulis dapatkan di Pengadilan Tinggi Agama Semarang, dilengkapi dengan data sekunder terkait penanganan sengketa ekonomi syariah di Pengadilann Tinggi Agama, selanjutnya dianalisis menggunakan teori cita hukum yang meliputi keadilan, kepastian hukum, dan kemanfaatan.Berdasarkan hasil penelitian yang penulis lakukan di Pengadilan Tinggi Agama Semarang, penulis dapat menyimpulkan bahwa, penanganan sengketa ekonomi syariah di Pengadilan Tinggi Agama Semarang belum sepenuhnya berjalan sebagaimana mestinya. Penganganan sengketa ekonomi syariah di Pengadilan Tinggi Agama Semarang dilaksanakan dengan cara memeriksa dan mengadili perkara secara ulang berdasarkan fakta/duduk perkara yang terdapat dalam berkas perkara banding yang dikirimkan oleh pengadilan agama yang telah memeriksa dan memutus perkara pada tingkat pertama, ditambah dengan pemeriksaan tambahan apabila hakim berpendapat ada hal-hal yang memerlukan kejelasan atau untuk menambah kesempurnaan pembuktian. Tinjauan cita hukum terhadap penanganan sengketa ekonomi syariah di Pengadilan Tinggi Agama Semarang di antaranya: ditinjau dari cita hukum keadilan, hakim dalam mewujudkan cita hukum keadilan masih terkendala dengan ketentuan yang samar dalam peraturan perundang-undangan yang mengatur tentang bagaimana tata cara pemeriksaan sengketa ekonomi syariah di tingkat banding, yang mana hal ini menjadikan hakim tidak dapat mewujudkan keadilan yang diinginkan. Ditinjau dari cita kepastian hukum, kendala dalam mewujudkan cita hukum ini adalah tidak adanya ketentuan khusus yang mengatur tentang hukum acara perdata (tata cara pemeriksaan perkara) khususnya sengketa ekonomi syariah pada peradilan tingkat banding, ditambah lagi terdapat beberapa yurisprudensi Mahkamah Agung yang saling bertolak belakang/bertentangan. Sedangkan ditinjau dari cita hukum kemanfaatan, sebagian telah memenuhi cita hukum ini karena telah sesuai dengan ketentuan yang mengatur tentang biaya penanganan perkara dan jangka waktu penanganan perkara. 
PERAN KECUKUPAN MODAL ATAS PENGARUH RISIKO PEMBIAYAAN DAN LIKUIDITAS TERHADAP PROFITABILITAS (STUDI PADA BANK UMUM SYARIAH PERIODE 2016-2018) Ryan Yushinta; Muhammad Rusdi; Lidia Desiana
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2151

Abstract

This study aims to analyze and determine the influence of financing and liquidity risks on profitability with capital adequacy as an intervening variable in Islamic Commercial Banks in Indonesia for the period of 2016-2018. The population in this study were 14 Islamic Commercial Banks in Indonesia in the 2016-2018 period. The technique used in sampling is purposive sampling. The sample used is the 2016-2018 quarterly report on 7 Sharia Commercial Banks. The type of data used is secondary data. Data analysis techniques in this study used SPSS 21 software, which consisted of descriptive statistical analysis, classic assumption tests, multiple regression analysis, and mediation testing using the causal step and sobel test methods. By using multiple regression analysis, the results of the study show that the financing risk (NPF) has a negative and significant effect on profitability (ROA). Liquidity (FDR) has a positive and significant effect on profitability (ROA). Capital adequacy (CAR) doesn’t affect profitability (ROA). Financing risk (NPF) has a negative and significant effect on capital adequacy (CAR). Liquidity (FDR) doesn’t affect capital adequacy (CAR). Then based on the results of the analysis using the causal step and sobel test methods, capital adequacy (CAR) mediates the effect of financing risk (NPF) and liquidity (FDR) on profitability (ROA).
MEKANISME PASAR PENDEKATAN RETROSFEKTIF EKONOMI ISLAM Ahmad Zaky Muzakkir
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2200

Abstract

ABSRACTMarket is the most visited place by the public. The market in Islamic view of economy requires morality in all economic activities, in particular : fair and healthy competition, honesty, transparancy, and fairness. The concept of market mechanisms in Islam is built on principles, that is: Ridho each other, healthy competition, honesty, transparency, and justice. Islam has tightened its people’s pace in financial activities and businesses that promote economic and social well-being. This goal is to analyze the mechanisms of the market in Islam and understand the concept of the market based on islamic sharia. In addition to understanding the principles of the market, which are based on islamic sharia. The method used in writing this article is descriptive. The data collected is then analyzed by qualitative methods. In this study the authors conducted an analysis of the market systems in Islam. The concept of the islamic natural marketaffirms that the market must stand above the principle of free competition but not absolute, but freedom wrapped in sharia rules. The concept of market mecanisme in Islam is built on principles: ridho, healthy compotition, honesty, or openness and justice.
Perilaku Ibu Rumah Tangga Muslim dalam Mengkonsumsi Produk Makanan Halal di Desa Bandung Kabupaten Tulungagung Amalia Nuril Hidayati; Siti Kalimah
AL-QARDH Vol 5, No 1 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i1.1744

Abstract

   The context of this service-based research program is the lack of knowledge and understanding related to halal products as evidenced by the consumption of several types of non-halal food. The information obtained encourages researchers to socialize awareness by providing awareness of the importance of halal products. The focus of this research is how the awareness of housewives in consuming halal food products in Bandung Village, Tulung Agung Regency. The strategy used is Community Organization and Community Development and uses the one-group pretest-posttest design experimental method, the design used by giving treatment for a certain period and measuring with tests before and after treatment. The results of this study indicate that at the pre-test mean halal awareness showed a value of 31.84 and post-test mean showed a value of 42.89, while the sig 2 value tailed 0,000 <0.05 then Ha was accepted and Ho was rejected, which means the average level of awareness mothers before and after socialization are different. In the pre-test questionnaire, the mean consumption behavior shows the value of 37.02 and the post-test mean shows the value of 43.45 While the sig 2 value of tailed is 0,000 <0.05 then Ha is accepted and Ho is rejected, which means the average level of consumption behavior before and after socialization is different, thus it can be stated that the presence of socialization affects the level of understanding of the awareness of consumption of halal products.Keywords: Consumption behavior, Housewife, Halal product. Konteks program penelitian berbasis pengabdian ini adalah kurangnya pengertahuan serta pemahaman terkait produk halal ini dibuktikan dengan  masih mengkonsumsinya beberapa jenis makanan non halal, Informasi yang didapatkan mendorong kesadaran peneliti untuk melakukan sosialisasi dengan memberikan penyadaran pentingnya produk halal. Fokus penelitian ini yaitu bagaimana upaya penyadaran Ibu rumah tangga dalam mengkonsumsi poduk makanan halal di Desa Bandung Kabupaten Tulungagung. Strategi yang digunakan adalah Community Organization dan Community Development  dan menggunakan metode eksperimen one grup pretest posttest design, yaitu rancangan yang digunakan dengan cara memberi perlakuan pada jangka waktu tertentu dan mengukur dengan tes sebelum dan sesudah perlakuan. Hasil dari penelitian ini menunjukkan Pada saat pre test kesadaran halal mean menunjukkan nilai 31,84 dan post test mean menunjukkan nilai 42,89, Sedangkan nilai sig 2 tailed 0,000 < 0,05 maka Ha diterima dan Ho ditolak yang artinya rata-rata tingkat kesadaran ibu-ibu sebelum dan sesudah dilakukan sosialisasi adalah berbeda. Pada angket pre test perilaku konsumsi  mean menunjukkan nilai 37,02 dan post test mean menunjukkan nilai 43,45 Sedangkan nilai sig 2 tailed 0,000 < 0,05 maka Ha diterima dan Ho ditolak yang artinya rata-rata tingkat perilaku konsumsi sebelum dan sesudah dilakukan sosialisasi adalah berbeda, dengan demikian dapat dinyatakan bahwa adanya sosialisasi mempengaruhi tingkat pemahaman tentang kesadaran konsumsi produk halal
KEDUDUKAN SHARIA COMPLIANCE PERBANKAN SYARIAH DI INDONESIA PERSPEKTIF YURIDIS-FILOSOFIS Ni Nyoman Adi Astiti; Jefry Tarantang
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2454

Abstract

Sharia compliance is currently an important issue for sharia bank stakeholders in Indonesia. There have been many sharp criticisms from the public regarding the compliance of Islamic banks to Islamic principles, that Islamic banks in Indonesia are currently not compatible with sharia. This condition may be a positive impact of the increasingly massive socialization of Islamic banking to the public so that people are starting to become aware and have sufficient knowledge of Islamic banking, both from a juridical perspective as a regulatory framework and a solution to the legal vacuum of sharia banking regulations to ensure legal certainty, as well as a perspective. philosophical on the regulatory system that aims to create justice and benefit in Islamic banking practices.
Peluang Pengusaha Mikro dan Kecil (UMK) Menggunakan Layanan Digital Lembaga Keuangan Mikro Syariah Chairia Lubis; Lucky Nugroho; Tettet Fitrijanti; Citra Sukmadilaga
AL-QARDH Vol 5, No 1 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i1.1769

Abstract

The purpose of this study was to find out the opportunities of digital services owned by Sharia Micro Finance Institutions (Baitul Mal Wa Tamwil-BMT) to reach Micro and Small (MSME) customers. Therefore the research question in this article is how the opportunities for the use of digital services by MSEs. This research method uses library research and interviews with BMT managers so that this research is qualitative. Following the results of the study, BMTs must collaborate with financial technology (fintech) companies to provide customer application. Furthermore,  the contribution of the applications that can provide added value for customers and are easy to use, which have an impact on the increasing competitiveness of BMTs with competitors in the financial industry.Tujuan penelitian ini adalah untuk mengetahui peluang dari layanan digital yang dimiliki oleh Lembaga Keuangan Mikro Syariah (Baitul Mal Wa Tamwil-BMT) untuk menjangkau nasabah Mikro dan Kecil (UMKO. Oleh karenanya pertanyaan penelitian pada artikel ini adalah bagaimana peluang penggunaan layanan digital oleh pelaku UMK. Metode penelitian ini menggunakan kajian pustaka atau library research dan wawancara dengan pengelola BMT sehingga penelitian ini merupakan penelitian kualitatif. Sesuai dengan hasil penelitian, maka BMT harus berkolaborasi dengan perusahaan fintech, dan pemain di pasar lainnya sehingga mereka memiliki aplikasi yang dapat memberikan nilai tambah bagi nasabah dan mudah digunakan yang berdampak terhadap meningkatnya kemampuan bersaing dari  BMT  dengan kompetitor di industri keuangan.  
ANALISIS KASUS KEMISKINAN DI PROVINSI KALIMANTAN TENGAH DENGAN PENDEKATAN PRINCIPAL COMPONENT ANALYSIS Annisa Halida; Nadya Farah Pradita; Yuana Sukmawaty
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2452

Abstract

According to a report by the Central Statistics Agency, the percentage of poor people in urban areas in September 2019 was 6.89%. Meanwhile, the percentage of poor people in rural areas in September 2019 was 13.10%. The data above is only a national percentage, there are still many provinces that have a poverty percentage above the national percentage, especially in Central Kalimantan Province. There are many factors that influence poverty, including education, employment status, working sector, and per capita income. This paper focuses on a study to determine the factors that have the greatest influence on poverty in Central Kalimantan Province in 2019. The results of this study simplify the poverty factor into 2 (two) factors, namely the first factor consisting of variables of education, work status, and sector. work. Meanwhile, the second factor consists of the variable per capita income for food. In addition, the greatest eigen value was obtained in the education variable of 465.67, which indicates that the education variable has the greatest influence on poverty in Central Kalimantan Province in 2019.
Analisis Pengungkapan Informasi Akuntansi terhadap Bias Investor dalam Menafsirkan Akrual Norliyani Aulia
AL-QARDH Vol 5, No 1 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i1.2028

Abstract

In an investment activity can sometimes cause errors in the process of perceiving information related to investment. This is caused by bias so that it can cause market anomalies. Perception bias is a person’s a psychological condition that tends to be not objective in perceiving something. Someone who is a state of bias believe in its ability to accurately evaluate events, including making judgements about  the situation in terms of investment. In addressing the bias, accounting information disclosure needs to be done. This research uses descriptive research and documentation data collection techniques. In the delivery of accounting information must be high quality standards of accounting and finance and non-financial disclosures. Dalam suatu kegiatan investasi terkadang dapat menyebabkan kesalahan dalam proses mempersepsikan informasi terkait dengan investasi. Hal ini disebabkan oleh bias sehingga dapat menyebabkan anomali pasar. Bias persepsi adalah kondisi psikologis seseorang yang cenderung tidak objektif dalam memahami sesuatu. Seseorang yang memiliki bias percaya pada kemampuannya untuk mengevaluasi peristiwa secara akurat, termasuk membuat penilaian tentang situasi dalam hal investasi. Dalam mengatasi bias, pengungkapan informasi akuntansi perlu dilakukan. Penelitian ini menggunakan penelitian deskriptif dan teknik pengumpulan data dokumentasi. Dalam penyampaian informasi akuntansi harus standar kualitas tinggi akuntansi dan keuangan dan pengungkapan non-keuangan.
Urgensi Labelisasi Halal Daging Impor di Indonesia Khoiriyah Khoiriyah
AL-QARDH Vol 6, No 1 (2021): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v6i1.2817

Abstract

This article discusses the import of meat which has become a polemic, because the halal label was lost or not included in the Indonesian Minister of Trade Regulation, this research is a form of analysis of how important and urgent the halal label is on imported meat in Indonesia as a Muslim-majority country. This study uses a content analysis method with a qualitative approach. Based on the facts and analysis carried out, the researchers concluded that: The halal label on meat imported to Indonesia is very important, because the majority of Indonesian people are Muslims who rely on halal and haram food for a product when consuming it. Halal labels are not enough to ensure a product is always halal. So, in this case, especially meat products, the meat production process must be considered regularly and the role of the state is needed to periodically check the meat production process so that it can always be ensured that it is halal
Persepsi Kegunaan dan kemudahan menggunakan terhadap Niat Menggunakan Mobile Payment dimasa Pandemi Covid-19 Muhammad Nurhaula Huddin; Martina rahmawati masitoh
AL-QARDH Vol 6, No 1 (2021): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v6i1.2699

Abstract

Technological developments have changed the human behavior to consume products and services, from offline transactions to online transactions. The purpose is to examine the impact of perceived usefulness and perceived ease of use on attitude and examine its impact on intention to use mobile payments. The population in this study are customers who use mobile payment in Banten Province, especially Gopay and OVO. This study uses purposive sampling technique in determining the research sample. In this study, we obtained 243 respondents from mobile payment users in Banten Province. Using partial least square structural equation modeling (PLS-SEM), the researcher found that there is a significant influence between perceived usefulness and ease of use on attitudes towards mobile payments. This study also found that attitudes have a significant influence on intention to use mobile payments.

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