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INDONESIA
Falah : Jurnal Ekonomi Syariah
Published by Universitas Muhammadiyah Malang
ISSN : 25023918     EISSN : 25027824     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
FALAH: Jurnal Ekonomi Syariah is managed by Department of Islamic Economic, Faculty of Islamic Studies, University of Muhammadiyah Malang (p-ISSN 2502-3918, e-ISSN 2502-7824) This journal published two times a year (Pebruary and August) since 2016. The journal presents the results of research in the field of Islamic Economic, Islamic Banking, Islamic Management and so on.
Arjuna Subject : -
Articles 9 Documents
 1 
Search results for , issue "Vol. 2 No. 1 (2017)" : 9 Documents clear
Pengembangan Produk Funding Dengan Akad Musyarakah Pada Bank Syariah Trimulato Trimulato
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4355

Abstract

The rapid development of shariah banking in Indonesia can be seen by its market share which exceeded 5 percent nationally in 2016. Furthermore, the shariah banking have a strong legal law with the presence of the law number 21 of 2008. Total deposits in shariah banking reached 240,974,000,000,000. To increase public interest to choose shariah banking have to innovate in both product funding and product financing. Musharakah contract is currently only used on product financing, weather has not been used in the funding product. This paper uses a descriptive qualitative method, this paper is focused on raising funding products by musharakah contract. To increase the volume of funding products, syariah banking need to use musharakah contract on funding products. The results of this paper concluded that, in the period of December 2015 through December 2016 the musharakah contract on financing products increased up to 29.17 percent. Musyarakah contract has not been used on funding products. Both musharakah and mudarabah have the same pattern as the model for the results. While mudharabah used in funding products, musharakah can also be used for funding products in shariah banking. The Development of funding product with musharakah contract in shariah banking will be profitable for banks and customers. It will be more easily raise money to meet the large volume of financing, then the Musharakah agreement will provide for more great results for customers.
Money in Islam: Toward Re-evaluation of Islamic Financial System Khoriul Umam
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4356

Abstract

This paper aims at re-evaluating the Islamic financial system based on its authenticity in the perspective of money in Islam. Imam Ghazali identifies two main functions of money: as a just unit of account and an efficient medium of exchange. These two functions are the purpose of money creation. Thus, Islam prohibits any activity diverting money from carrying out its functions. On the basis of this perspective, the current practice of Islamic banking thatcreates dominantly debts from sales and leasebased products and not the profit and loss sharing ones has caused money deviated from its functions. Furthermore, in Islamic capital market, this paper insists that the minimum holding period of Islamic stock market cannot abolish the practice of capital gain in the secondary market of Islamic capital market. Accordingly, Keynesian liquidity preference must exist as well as the speculative motive of money demand. As the result, money will be demanded not only for real economic activities, so the supply of money will overshoot the demand of real economic activities. Such condition distorts the ability of money to provide a true value for real economic activities. On the basis of these points of view, innovations in Islamic financial system should be designed to facilitate money providing a just value of economic activities and facilitating exchange of goods and services in efficient and equitable manner. Finally, this paper sees the need of Ulama who can control the innovation in Islamic financial system to be based on its authenticity that finally leads to the achievement of Islamic vision. In this regard, faculty should design its curriculum that provide graduates who are able to remove the western vision from Islamic finance theories and then to infuse the Islamic vision to them.
Adaptasi Praktik Pajak Pada Zakat Sebagai Alternatif Pengelolaan Zakat Secara Efektif Fatih Fuadi
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4357

Abstract

Indonesia is a country that has diverse cultures and religions, so zakah and tax are two things that cannot be released. Both of them have different meanings and treatments, where zakah is only charged to Muslims and the tax are imposed on all Indonesian citizens whose income above an average. This paper aims to determine the similarities and differences of the concept of zakah and tax, the opinion of scholars about them, and the last is to know about the effective zakah management of with the adoption of some concept of tax management. In this study, used data collection techniques in the form of library research. The research findings show that the similarity between the concept of zakah and the tax is as follows; both of them have the element of coercion and management. The difference both of the are as follows; in terms of name, legal basis and nature of its obligations, as well as from the object, percentage, and utilization. The concept of tax which can be applied in order to obtain an effective zakah management are as follows: first, giving sanction to the zakah manager and negligence muzakki. Second, an improvement of zakah administration system consisting of function, system and institution. Third, the existence of zakah information system. Fourth, the formation of zakah directorate as well as the formation of tax directorate, And the latter developing an independent institution that acts as an auditor of zakah institution.
Optimalisasi Peran Masjid Sebagai Pemberdaya Ekonomi Masyarakat (Studi Pada Masjid Agung Ponorogo, 2016) Syamsuri & Muhammad Abduh
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4358

Abstract

Since the time of the Prophet PBUH, mosques have a significant rules as a place of worship of Muslims, developing the economy of society, the place of wealth (Baitul Mal) which distribute zakat, alms, and spoils to the poor and the benefit of Muslims. Recently, the function of mosques not similar to the ancient time. In Ponorogo, there are approximately 481 mosques still not able to empower the local economy. Based on the research, the number of poor people in Ponorogo is still quite high, reached to 11.87% of the total population in East Java. The Tjokronegoro Mosque located in Ponorogo as the sample in this study because some of factors including steps strategy that has been done to empower the economy of the surrounding communities. The results of this study are expected to be a motivation and an example of economic empowerment through mosques, especially the East Java region. This research is qualitative descriptive, so the data collection method is using triangulation; documentation, interview and observation. Finally, this article found that the mosque Tjokronegoro Ponorogo Able to optimize their function in economic empowerment. Namely through three flagship programs: educational, humanitarian, and optimization of the distribution of zakah, infaq and sadaqah.
The Role of Demand toward Employee’s Wage Change: An Islamic Perspective Ririn Noviyanti
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4360

Abstract

An employee must get a justice wage according their contribution to the company. But in reality, the employee get a stabil wage even in increasing of demand, and force them to receive a lower wage when the company in decreasing of demand. It’s a kind of unjustify according the contribution that the employee have given. This study is the research literature. The data in this study are obtained by using the documentary method, to search for data about the role of demand on wage levels. These data are analyzed by using descriptive method of content analysis to determine the contents of the three variables. The role of demand toward employee wage change in Islamic economics can be explained from two forms. First, demand increase for shared and unshared, demand increase for shared than the employee will get the additional wage from increasing demand, demand increase unshared, then the employee will get the stable wage due to additional company’s capital. Second, Demand decrease shared and unshared, demand decrease shared, then the employee will get the  lower wage, decrease unshared, then the employee will get the stable wage caused the company should to reduce the company’s capital by requirement the additional employee hard work.
Efektifitas Zakat Produktif dalam Pemberdayaan Ekonomi Mustahik: Studi Pendahuluan Pada Badan Amil Zakat (BAZ) Kabupaten Gresik Ahmad Nashiruddin Savid
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4361

Abstract

The discourse of poverty is an interesting topic as well as an enduring problem that never resolved. Various ways are done to overcome poverty, one such effort is the optimization of the management of zakah, infaq and alms (ZIS). Amil Zakah Agency of Gresik Regency has distributed zakat productively as a grant of venture capital so that zakah can be developed. The measurement of zakah funds need to be done to determine the level of effectiveness of achievement of productive utilization of zakah. Technique of collecting data in this research is done by interview, observation and documentation. The sample is determined purposively likewise the chairman or head of the BAZ of Gresik Regency, the utilization division or the distribution of BAZ of Gresik regency, the staff and the mustahik of the beneficiaries of the utilization of productive zakah. The research finding shows that the concept of utilization of productive zakah on the mustahik’s economic empowerment undertaken by BAZ Gresik Regency poured into several programs which formed to three types of productive utilization of zakah, namely: (1) empowerment of livestock rolling either individual or collective, (2) empowerment of revolving capital, (3) Provision of work tools. The indicator of effectiveness in this research using Ni Wayan Budiani’s theory of effectiveness with four indicators of program, namely: the accuracy of program targets, program socialization, program objectives and program monitoring. The results of this study indicate that the indicators of accuracy of program targets and program monitoring have been effective, while two others have not been effective. 
Manajemen Resiko Pada Produk BSM Cicil Emas di Bank Syariah Mandiri (BSM) Kantor Cabang Sukarno Hatta Malang Tk. Umar Johan & Muslihati
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4362

Abstract

The purpose of this research is to know the mechanism of product BSM Gold Installments financing, the strategy used by Bank Syariah Mandiri in managing the risk, and the impact of the strategy implemented by Bank Syariah Mandiri. The method of collecting data used in this research is direct interviews to relevant sources and collection of supporting considered documents. The results of this observation indicate that: first, the risk management strategy in BSM Gold Installments can be separated to four stages: identifying risk, measuring risk, controlling risk and monitoring risk. Second, the implementation of risk management strategy of BSM Gold Installments has had a significant impact on the low of risk. In fact the selling price of BSM Gold Installment of Bank Syariah Mandiri increased every year. On March 2015, the price of one gram gold reach on Rp. 543,000 and increase up to Rp. 578,000 per gram on March 2017.
Penerapan Akad Wadi’ah Pada Produk Giro Di Bank Mega Syariah Kantor Cabang (KC) Malang Putri Zakiatul Immamah & Moch. Novi Rifa’i
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4363

Abstract

This article aims to know how the application of wadiah contract on the current account in the bank, and what are the current product and how to withdraw it. To conduct this research selected Bank Mega Syariah KC Malang as the object of research. Bank Mega Syariah is also a subsidiary of PT Mega Corpora which is under CT Corpora, one of the largest multinational companies in Indonesia that oversees nearly 30 companies. Based on research conducted, can be concluded that Bank Mega Syariah used wadiah contract on Giro products due to be taken by the customer at any time. Because if using mudharabah contract the customer can not take at any time, and must at maturity. Furthermore, by using wadiah contract, the bank can not register a demand deposit account in the program. In the wadiah contract is not known for profit or loss sharing, yet there is a bonus. There are two ways of take giro; first, by using check or transfer form (bilyet giro). If the Bank is designated in check or transfer form with the same bank account, the withdrawal may be directly at the bank’s counter. Second, if the intended bank in the check or transfer form is in different bank account, then the mechanism of clearing is done first.
Jejak Gerakan Berderma di Indonesia Hamid Abdullah Rahmad
Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017)
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v2i1.4364

Abstract

Indonesia merupakan bangsa yang ramah, baik hati dan suka berderma. Begitulah paradigma yang selama ini berkembang. Perilaku etis yang tertanam begitu dalam dalam pribadi bangsa Indonesia, merupakan ajaran nenek moyang yang secara turun-temurun dilestarikan hingga kini. Hal ini terbukti dengan, keberadaan naskah –naskah melayu di abad XIX secara umum (meskipun ditujukan kepada raja), menyatakan pentingnya etika kedermawanan seperti perilaku bermurah hati, menghormati dan mencintai orang miskin dan anak yatim, menghindari keserakahan, dan berlaku adil (hal. 76-77). Dalam posisi inilah Prof. Azyumardi Azra manyatakan dalam pengantarnya, bahwa filantropi Indonesia memiliki keunikan yang tiada bandingannya di dunia.

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