Falah : Jurnal Ekonomi Syariah
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.
Articles
217 Documents
<![CDATA[Penerapan Akad Wadi’ah Pada Produk Giro Di Bank Mega Syariah Kantor Cabang (KC) Malang ]]>
<![CDATA[Putri Zakiatul Immamah & Moch. Novi Rifa’i]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i1.4363
<![CDATA[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.]]>
<![CDATA[Jejak Gerakan Berderma di Indonesia ]]>
<![CDATA[Hamid Abdullah Rahmad]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 1 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i1.4364
<![CDATA[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.]]>
<![CDATA[Ekonomi Islam Sebagai Solusi Krisis Ekonomi ]]>
<![CDATA[Rifki Suja Hilman]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5100
<![CDATA[The economic crisis in perceptive Islam is inseparable from economic practices that are contrary to Islamic values, such as usury (monopoly), corruption, and other malpractices. But the common mistake made in identifying the root of the crisis that occurred only limited to the search on the symptom (symptoms). As a result, healing is only temporary, like analgesic drugs, temporarily relieving pain. At the Moments later, the crisis reappeared, even deeper and more serious. This paper tries to uncover some of the causes of the economic crisis, along with the solutions offered by Islamic economics as an effort to solve the crisis that has occurred.]]>
<![CDATA[Pengaruh Fluktuasi Nilai Tukar Rupiah terhadap Rasio Pertumbuhan Aset Perbankan Syariah ]]>
<![CDATA[Ahmad Chumaidi Tarmizi Muslikhati]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5101
<![CDATA[This research aims to reveal empirical evidences about the influence of exchange rate fluctuations to asset growth ratio of sharia banking, along with how much does independent variable explain dependent variable. The research takes a quantitative approachment, which refer to numeral calculating of research data. This research variabel consists of exchange rate fluctuations as independent variable and asset growth ratio of sharia banking as a dependent variable. Sample selection using purposive judgment sampling method. The sample of this research is sharia bankingin the period between 2008-2016. Data used in this research is secondary data while the techniques of data analysis in this research applied simple linear regression analysis. Results of this study demonstrate that the exchange rate fluctuations variable significantly influence to asset growth ratio of sharia banking variable. Regression coefficient value is – 1,73 and significant value is 0,029. The results of this study as well exhibit that the exchange rate fluctuations variable explained 51% of asset growth ratio of sharia bankingvariable while the remaining 49% wereexplained by another variable not included in the model. ]]>
<![CDATA[Perilaku Konsumsi Masyarakat Modern Perspektif Islam: Telaah Pemikiran Imam Al-Ghazali dalam Ihya’ Ulumuddin ]]>
<![CDATA[Elvan Syaputra]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5102
<![CDATA[Satisfaction in fulfilling what someone want to consume is the measure of happiness. Such shopping now becomes an endless human need. Herein lies the consumption in the sense of altering “consumption as necessary” into “consumption as wants”. In this case, it is intended that one’s motivation for spending is no longer to meet basic human needs, but rather to relate to their identity. This proves that the culture of consumerism has changed the pattern of people’s dependence in consume. This study aims to conduct an in-depth analysis of the pattern of consumption of modern society in terms of Islam; especially Imam al-Ghazali in Ihya ‘Ulumuddin. The conclusion of this study is that Al-Ghazali laid the foundation of a Muslim's life by attaining the goal of the salvation of the hereafter. As for one way to achieve the purpose of the Hereafter by running the consumption activity based on Islamic sharia.]]>
<![CDATA[Implementasi Akad Murabahah dan Ijarah Muntahiyah Bit Tamlik Pada Produk KPR BRI Syariah KC Malang Kawi ]]>
<![CDATA[Winda Ika Pratiwi Moch Novi Rifa’i]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5103
<![CDATA[This study aims to explain how the mechanism of mortgage product (KPS) at BRI Syariah. In each bank, there is a different use of the contract on the mortgage product, although the contract used remains based on the contract in accordance with Islamic Sharia. By using interview and survey methods to find out the mechanism of mortgage product at bank BRI Syariah KC Malang Kawi. The result of shows that mortgage product (KPR) in BRI Syariah consists of two kinds: namely mortgage product (KPR) Faedah and ijarah muntahiyah bit tamlik (IMBT); where KPR Faedah using murabahah contract and IMBT using ijarah muntahiyah bit tamlik (IMBT). In the essence, both of two products issued by BRI Syariah are the same, there are only different in working mechanism. In KPR Faedah, the principal installment will be greater each installment period until the end of repayment. While the principal installment of KPR IMBT is fixed from the beginning of the installment period until the end of repayment. The term used also differs between the products KPR Faedah and KPR IMBT; where in KPR Faedah used the term ‘installment margin’ for the benefit of the bank, and on IMBT mortgage product used the term ‘installment ujrah’.]]>
<![CDATA[Dinar dan Dirham Sebagai Alternatif Mata Uang: Sebuah Tinjauan Literatur ]]>
<![CDATA[Ririn Noviyanti]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5104
<![CDATA[The issue of justice becomes a serious problem because of the lack of attention to the current system of justice. In the end, many of the economic actors are realizing that the current system is not capable of delivering optimal results. Various attempts were made to optimize the results but the results were in vain. Various policies have been made to provide solutions to the existing problems, but still unable to prevent the various economic crises that occur in the current system. This study aims to conduct in-depth discussion of the dinar and dirham as an alternative to the world currency solutions using literature approach. Based on the exposure, it can be concluded that dinar and dirham can and can be a solution of the international monetary system and replace the current monetary system. It is therefore ideal for all Muslim countries to embark on the implementation of the Islamic monetary system using dinar and dirham.]]>
<![CDATA[The Challenges of Muslim Countries in Business World ]]>
<![CDATA[Rafidah Binti Haji Amidon Amal Norhaizah]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5105
<![CDATA[Throughout the centuries, the Muslim countries has evolved and branched out to the world of arts, literature, philosophy, technology, economy, law and ethics, education, even politics inclusive of its conflict. Most of what occurred throughout the centuries was documented and used as reference in future studies such as studied done in medical by Ibnu Sina. Many part of the world have form negative perspectives of the Muslim countries especially by correlating negative incidents occurred in some part of the world as practice of all Muslim in the Muslim countries. Living in the Muslim countries has its advantages and disadvantages in which it will be discussed further in this essay. from the discussion below, it can be conclude that any world no matter the religion, the belief, the political standing is bombarded with dilemmas of identifying the advantages and disadvantages of their world to face the challenges of globalization. Distinguishing the advantages or the disadvantages without implicating neither sense of pride or sense of shame has been the practice that is being encouraged by all. The most important impression that the Muslim world can make is through the beauty of tolerance, understanding and the concept of sharing without judging others.]]>
<![CDATA[Kualitas Produk, Pelayanan dan Nilai Syariah terhadap Persepsi Mahasiswa Ekonomi Islam untuk Menjadi Nasabah Bank Syariah ]]>
<![CDATA[Dian Azmi Dinaratu Azhar Muttaqin]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5106
<![CDATA[This study aims to determine how much influence the perception of Islamic economics students about product quality, service quality, and sharia value of interest to become customers of Islamic Bank. The result of data processing shows that the perception of product quality and service quality perception have positive and significant effect on the interest to become the customer of Islamic Bank proven with probability value (sig.) Of 0.000 <0,05. While the variable of perception of syariah value have positive and insignificant effect on interest to become customer of Islamic bank with result of probability value (sig.) Equal to 0,888> 0,05. Variable perception of product quality has the greatest and significant influence to the interest of becoming a customer of Islamic Bank indicated by t value counted 5,042. The perception of product quality, service quality, and sharia value influence 50,7% to interest to become customer of Islamic Bank in view from Adjusted R Square value and 49,3% (100% - 50,7%) influenced by other variable outside variable The selected.]]>
<![CDATA[Penerapan Konsep Ta’dib dalam Pembelajaran Ekonomi Syariah ]]>
<![CDATA[Rahmad Hakim]]>
<![CDATA[ Falah: Jurnal Ekonomi Syariah Vol. 2 No. 2 (2017) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Malang ]]>
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DOI: 10.22219/jes.v2i2.5107
<![CDATA[Increasing awareness of Muslims associated with the awareness of the economy in accordance with Islamic values is good news to be grateful. This has the logical consequence that the development of Islamic economics both in the theoretical and practical level is increasing rapidly in proportion to the increasing awareness of Muslims, especially in Indonesia. This study aims to analyze in depth and comprehensively related three important points, namely: first, the concept of ta’dib in Islam. Second, the economic values of sharia economy. Third, the relevance of the concept of ta’dib in Islamic economics. The approach used in this study is literature research by conducting a study and in-depth analysis related to literature related to the concept of ta’dib and Islamic economic values. The result shows that the concept of ta’dib can be applied in the study of Islamic economic accordance with the key concept which stated in the al-Qur’an such as: al-fadlu, ‘adl, maslahah, iqtishad, dan falah. Using those values so that the activity has the motivation (intention) is right and good that is reaching mardhatillah. On the other hand, running an economic activity based on true and good Islamic values is a form of a Muslim's presence against the virtue (al-fadlu) given by Allah to him.]]>
