Garuda - Garba Rujukan Digital

Article Per Year (5 Year)

All

Falah : Jurnal Ekonomi Syariah

JES
Website

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 212 Documents

1 2 3 4 5

Penerapan Etika Bisnis Islam di Koppontren La Tansa Pondok Modern Darussalam Gontor, Tahun 2015 Nugraha, Ahmad Lukman
FALAH Jurnal Ekonomi Syariah Vol 1, No 2 (2016)
Publisher : FALAH Jurnal Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/falah.vol1.No2.%p

Discussion in ethics of business activity poped out to minimize cheating and fraud. But actually, business ethics felt difficult to apply in practice. Modern Islamic Boarding School Darussalam Gontor as one of the self-help Islamic Boarding Schools supported by cooperatives in pesantren (koppontren) in their activities. This paper aims to understand the application of Islamic buseness ethic in Koppontren La-Tansa Gontor. This research uses mix method which is sequential explanatory design and case study, questionnaires, interviews, observation and documentation used to collecting data in this research. Data analysis was performed through data reduction, data display, and data verification. The results of this research can be explained as: first, La-Tansa cooperatives sector Gontor can run the business activities with the implementation of business ethics according to the Qurâan and Sunnah values. Appear from the height understanding of the business to the axiom business ethics and the height application in business activities in each business sector. Second, the character of kyai and business unit supervisor are high. According to the data, showed that a level of the heigh direction is 80 persent and control on the application of business ethics is 72 percent. Thus, the Islamic buseness ethic can be applied on firmâs and govermentâs law with height understanding and controlling.

Korelasi Antara Penerapan Akad Mudharabah dan Profitabilitas Pada Bank Syariah Mandiri Nuraini, Nuraini; Muttaqin, Azhar
FALAH: Jurnal Ekonomi Syariah Vol 3, No 1 (2018)
Publisher : Universitas Muhammadiyah Malang

This research aims to know the correlation between implementation of mudharabah and the profitability in the Bank Syariâah Mandiri. Quantitative approach was used in this research with Bank Syariâah Mandiri as the subject. The research based on mudharabah development in Bank Syariah Mandiri, and it was observed from the data of financial statements that have been published in 2012 to 2016. The method is collecting data from Bank Syariah Mandiri financial statements in 2012 to 2016 and observing the data. Independent variable in this research is mudharabah and its dependent variable is profitability. The statistical method of data analysis used is a simple regression. The result showed that mudharabah as independent variable has correlation with profitability as dependent variable. It could be seen from the significant value which is 0,023 <0,05. Based on the significant value of the coefficient table can be said that mudharabah has a correlation with profitability positively and significantly, which is 0.023 <0.05.

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

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.

Menggagas Transparansi Operasional BPRS Perspektif Digital Tarmizi, Achmad Chumaidi
FALAH Jurnal Ekonomi Syariah Vol 1, No 2 (2016)
Publisher : FALAH Jurnal Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/falah.vol1.No2.%p

Syariah financing people bank so called as BPRS, give warranty to the borowers , that every operations free of elements gambling (maysir), uncertainty (gharar), and interest (riba). Warranty with a certain step to give an explanation and information of all the aspect of operational done by BPRS can be called as the transparency. Thus, improving the transparency in BPRS need to optimized. Transparency which includes a whole operational activities with the stakeholders need to be enhanced, because the lack of transparency could caused to uncertainty (gharar) that impact to the faith of stakeholders. This study aimed to explore in depth views relating to two things; first, the development of transparency on BPRS; especially in operational activities businesses and correlation with the stakeholders. Second, the role of information technology in the process of transparency, and its impact on BPRS or the National Economy.

Persepsi Masyarakat Pengguna Jaminan Kesehatan Nasional (JKN) tentang Pelayanan Kesehatan Masyarakat di RSUD Dr. H. Slamet Martodirdjo Pamekasan Madura Imamul Hakim, Dwi Marita Fitriana A.S
FALAH Jurnal Ekonomi Syariah Vol 2, No 2 (2017)
Publisher : FALAH Jurnal Ekonomi Syariah

This study aims to determine the public perception of health services that use the program of National Health Insurance in Dr. H. Slamet Martodirdjo Pamekasan Madura as well as the existence of BPJS Health itself. This type of research is descriptive quantitative. Methods of data collection in this study is to use questionnaires (questionnaires) and interviews. The sample in this research is obtained by purposive sampling method. Based on the existing criteria, obtained 168 respondents. Data analysis method is done by using likert scale, with data scoring analysis technique. Based on the results of data analysis from the existing sub-dimensions, some sub dimensions responded positively by the community, some sub dimensions responded to doubt / neutral such as the availability of drugs for patients BPJS, BPJS patient acceptance procedures, and sub dimensions of hospitality, courtesy. The best community response is in the Assurance dimension associated with the availability of a specialist physician with a score of 707 in the agreed category. Neutral response with the highest score of 570 is in the sub-dimension of the doctor trying to calm the patients anxiety about the illness suffered. In addition there is also a negative response that is in the sub Empathy (concern) related nurses spend a special time to communicate with patients score 404 in the category disagree. In addition to the sub dimensions of access (acess) related service personnel do not discriminate the patientâs economy responded negatively with a score of 398 in the category disagree.

Implementasi Akad Murabahah dan Ijarah Muntahiyah Bit Tamlik Pada Produk KPR BRI Syariah KC Malang Kawi Moch Novi RifaÃ¢Â€Â™i, Winda Ika Pratiwi
FALAH Jurnal Ekonomi Syariah Vol 2, No 2 (2017)
Publisher : FALAH Jurnal Ekonomi Syariah

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 âinstallment marginâ for the benefit of the bank, and on IMBT mortgage product used the term âinstallment ujrahâ.

Penerapan Akad Wadi’ah Pada Produk Giro Di Bank Mega Syariah Kantor Cabang (KC) Malang Moch. Novi Rifa’i, Putri Zakiatul Immamah &
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

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.

Pendekatan Kritis Implementasi Akad Wadiâah pada Perbankan Syariah Indonesia Candrakusuma, Muslih
FALAH Jurnal Ekonomi Syariah Vol 1, No 2 (2016)
Publisher : FALAH Jurnal Ekonomi Syariah

As a natural situation, the Islamic banking industry not only have a chance, but also the various problems such as problem on products giro and saving syariah based on wadiâah. In wadiâah saving, bank syariah receive trustful saving from the client and distributing it to use it optimally. Actually, the use of trustful saving (wadiâah) is forbidden, but what is applied in the banking industry is wadiâah used to any project of business. From this point of view, this kind of application more relevant to qard contract than wadiâah. The purpose of Islamic lawÂ (maqasid al-shariâah) is to ensure the wealth (hifz al-mal) embodied in the product save deposit box. In save deposit box, wealth entrusted in bank, stored in a special place, that are guarded by the bank. At the level of primary (al-daruriyah), safeguarding the wealth is a basic need for Muslim. So that, the sustainability of safeguarding of wealth should be championed.

The Influence of Village Fund Towards Achievement of Societyâs Welfare at Wukirsari Village, Yogyakarta Kurniawati, Septrida; Djayusman, Rayyan Ramdhani; Nugraha, Ahmad Lukman
FALAH: Jurnal Ekonomi Syariah Vol 3, No 1 (2018)
Publisher : Universitas Muhammadiyah Malang

This paper aims to investigate the management of village fund in Wukirsari village and second, to analyze the influence of village fund towards the achievement of welfare of society in this village based on Mashlahah concept. The method used mixed method with Concurrent Triangulation model by combining equally between qualitative and quantitative method. The collecting data uses interview and questionnaire. the conclusion are; first, the management of village fund is established on annually program of development, while the implementation is managed by a teamwork of village development consists of government and society. All of development activities are completely controlled by the Head of Village and the Monitoring team. Second, the analysis shown that village fund has a positive influence toward welfare. The result of t test that analyzed by simple regression analysis concluded the value of village fund coefficient is 10,739 and t table is 1,661. It shows that tarithmetic > ttable (10,739 > 1,661). Coefficient determination value shows the result of adjusted R Square is 0.538 means that village fund variable (X) has 53,8% significance influence towards Mashlahah of society.

Adaptasi Praktik Pajak Pada Zakat Sebagai Alternatif Pengelolaan Zakat Secara Efektif Fuadi, Fatih
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

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.

Page 3 of 22 | Total Record : 212

1 2 3 4 5

Filter by Year

2016 2024

Filter By Issues

All Issue Vol. 9 No. 2 (2024): AUGUST Vol. 9 No. 1 (2024): FEBRUARY Vol. 8 No. 2 (2023): AUGUST Vol. 8 No. 1 (2023): FEBRUARY Vol. 7 No. 2 (2022): AUGUST Vol. 7 No. 1 (2022): FEBRUARY Vol. 6 No. 2 (2021): AUGUST 2021 Vol. 6 No. 1 (2021): FEBRUARY 2021 Vol. 5 No. 2 (2020): AUGUST 2020 Vol. 5 No. 1 (2020): FEBRUARY 2020 Vol 5, No 1 (2020): FEBRUARY 2020 Vol 4, No 2 (2019): Vol 4, No 2 Agustus 2019 Vol. 4 No. 2 (2019): Agustus 2019 Vol. 4 No. 1 (2019): Februari 2019 Vol 4, No 1 (2019): Februari 2019 Vol 3, No 2 (2018): August 2018 Vol. 3 No. 2 (2018): August 2018 Vol 3, No 1 (2018) Vol. 3 No. 1 (2018) Vol 2, No 2 (2017) Vol. 2 No. 2 (2017) Vol. 2 No. 1 (2017) Vol 2, No 1 (2017) Vol. 1 No. 2 (2016) Vol 1, No 2 (2016) Vol 1, No 1 (2016): Februari Vol. 1 No. 1 (2016): Februari More Issue

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name
-

Contact Email
-

Phone
-

Journal Mail Official
-

Editorial Address
-

Location
Kota malang,

Jawa timur

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name -

Contact Email -

Phone -

Journal Mail Official -

Editorial Address -

Location Kota malang, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
-

Contact Email
-

Phone
-

Journal Mail Official
-

Editorial Address
-

Location
Kota malang,

Jawa timur

INDONESIA