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Studia Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 23032618     EISSN : 28094964     DOI : 10.30821/se.v8i2
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Aims and Scope Aims STUDIA ECONOMICA is a peer-reviewed journal that aims to advance islamic economies in emerging markets, namely economies in emerging countries and economies in emerging areas in developed countries. Scope The scope of STUDIA ECONOMICA are but strictly limited to: islamic economics; islamic banking and finance; islamic economic management; islamic economics law; management Zakat, Infaq, Shodaqoh, and Waqf; islamic entrepreneurship and business; islamic economics thought; islamic capital market
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 106 Documents
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PENERAPAN MODAL SOSIAL PADA KEBERHASILAN PROGRAM PEMBIAYAAN BERBASIS KELOMPOK SEBAGAI UPAYA PENANGGULANGAN KEMISKINAN (STUDI KASUS PADA KOPERASI KELOMPOK HUMANIORA POKMAS MANDIRI, KANTOR CABANG DELI SERDANG) Elvira Agustina
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2588.143 KB) | DOI: 10.30821/se.v7i2.10622

Abstract

Materials/goods collateral is the biggest obstacle for MSMEs from poor families to obtain banking services and financing facilities.Social capital as a solution applied to group-based financing programs. This study attempted to analyze the application of social capital to the success of group-based financing programs in poverty alleviation efforts at The Humaniora Group Cooperation of Pokmas Mandiri at Deli Serdang Branch. The subjects of this study consisted of observer informants from The Humaniora Group Cooperation of Pokmas Mandiri, and the perpetrator informants namely members of the cooperation. This research is a field research using a qualitative approach. Data collections techniques used in this study were in-depth interviews, documentation, observation and review of literature. Based on the results, it was obtained that 1) The application of group-based financing programs has been modified to the conditions and needs of the society in Deli Serdang Regency, both from the social, economic and cultural of the society; 2) The application of social capital in the group-based financing program is considered very effective and efficient for The Humaniora Group Cooperation of Pokmas Mandiri in assessing and deciding the eligibility of members, through trust, participation, networks and social norms as assessment characteristics; 3) the success of group-based financing in reducing poverty can be seen through evaluation and direct interviews with members using family prosperity as indicators which is applied by The Humaniora Group Cooperation of Pokmas Mandiri, that the condition of members before and after getting a loan changes, not only increases the standard of living and economy of cooperation’s members, but also has an impact on their quality of life.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI KONVERSI LAHAN PANGAN PADI MENJADI LAHAN PERKEBUNAN KELAPA SAWIT DI KABUPATEN LABUHAN BATU Aprina Tanjung; Zuhrina M. Nawawi; Muhammad Arif
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (390.602 KB) | DOI: 10.30821/se.v7i2.10602

Abstract

The purpose of this study is to find out how the conversion of rice food land into oil palm plantations is related and related to food security, what factors make farmers so that farmers convert rice food land into oil palm plantations and to determine the effect of income, production costs and social factors on rice field conversion in Labuhanbatu Regency. This study uses a quantitative approach and uses primary data by distributing questionnaires to rice farmers who convert land into oil palm plantations in Labuhanbatu Regency. The population in this study was 100 Paddy Rice Farmers who converted land into oil palm plantations in Labuhanbatu Regency with the sampling technique using the Slovin formula with Likert Scale measurements. The data is processed through the SPSS Version 22.0 program with the technique of multiple linear regression analysis. The results showed that land area, production costs and income had a positive and significant effect on land conversion in Labuhanbatu Regency. From the results of the t test proves that partially the variables of land area, production costs and income have an effect on land conversion. Then from the results of the f-count value is greater than the f-table, namely (20.849 > 2.47) with a significant value of 0.000 < 0.05
PENERAPAN AKAD MUDHARABAH MUQAYYADAH PADA BANK SYARIAH DI INDONESIA Wahyu Syarvina
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 1 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.537 KB) | DOI: 10.30821/se.v7i1.9806

Abstract

Mudharabah Muqayyadah is a form of cooperation between shahibul mal and mudharib, where mudharib is limited by limitations on the type of business, time or place of business. Fatwa of the National Sharia Council (DSN) on the method of income smoothing of third party funds DSN Fatwa No. 87 / DSN-MUI / XII / 2012 states that in the case of a Mudharabah Muqayyadah contract, a reserve fund (PER) may also be formed through an allowance for the benefit of a customer's right that exceeds the rate of return projected after being shared with the DPK customer's permission. In this contract shahibul mal and mudarib are asked to trust each other, where shahibul mal does not receive guarantees from mudharib and mudarib to run a business in accordance with the terms and conditions of shahibul mal. The risk that the bank avoids is the risk of problematic financing, there is a sense of concern that mudarib will take the money away. Especially because mudarib does not need to provide guarantees in this case, the losses borne by the bank are getting bigger. In the Mudharabah Muqayyadah contract, the bank finds it difficult to implement it based on the shahibul mall not only one person and each customer has different desires, terms and opinions.
KONTRIBUSI ARISAN ONLINE DALAM MEMENUHI GAYA HIDUP MAHASISWA MENURUT SUDUT PANDANG EKONOMI ISLAM (Studi Kasus Pada Kelompok Arisan Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Universitas Islam Negeri Sumatera Utara) Adam Alamsyah; Sri Sudiarti; Tri Inda Fadhila Rahma
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (946.513 KB) | DOI: 10.30821/se.v7i2.10618

Abstract

The progress of the development of life in Indonesia affects the lifestyle, especially students. Student, someone who demands education at higher education, has many necessities of life to fulfill his studies and daily life. Online arisan is an alternative for students to save money to fulfill their daily needs. This study aims to see how to see members who are online arisan, see which ones contribute to online arisan in fulfilling student lifestyles, and see a review of Islamic economics on online social gathering activities in the Islamic economics faculty of the State Islamic University of North Sumatra. The research method used a qualitative approach with data techniques, namely primary data and secondary data. Research subjects, the owner of the arisan and (9) members of the online arisan. Data techniques are premier data and secondary data. The data analysis methods used in the study were data reduction, data presentation, and conclusion drawing. The results of this study indicate that the lifestyle of students who take part in an online social gathering is classified as hedonistic, the contribution of online arisan to the arisan group is that there are many benefits obtained by members and an Islamic economic review of the online social gathering system is not allowed because it contains elements of usury in it.KONTRIBUSI ARISAN ONLINE DALAM MEMENUHI GAYA HIDUP MAHASISWA MENURUT SUDUT PANDANG EKONOMI ISLAM(Studi Kasus Pada Kelompok Arisan Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Universitas Islam Negeri Sumatera Utara)
ANALISIS TINGKAT PENDAPATAN PEDAGANG PASCA REVITALISASI PASAR, DIJALAN PASAR VII TEMBUNG DESA BANDA KALIPPA SIMPANG JODOH Aulia Alamsyah Lubis; Muhammad Arif; Nurbaiti Nurbaiti
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.194 KB) | DOI: 10.30821/se.v7i2.10603

Abstract

Revitalisasi merupakan salah satu terobosan agar menunjang dan mendukung Pedagang tradisional yang semakin terpuruk dan ditinggalkan dikarenakan Banyaknya Mall, Supermarket, dan Pasar Modren Lainnya yang bermunculan, revitalisasi diharapkan dapat membantu pasar tradisional agar tetap bertahan dan mampu bersaing dengan pasar modern lainnya, walaupun demikian perbaikan pada infrastruktur yang lebih baik dan modern tidak hanya akan memberikan pengaruh baik bagi sebuah pasar, tetapi juga didukung dengan system dan pengelolaan yang baik untuk menunjang penjualan pada pasar tersebut agar dapat meningkatkan penjualan yang berimbas kepada pendapatan yang membaik. Pendapatan merupakan alasan pedagang melakukan perniagaan juga sebagai pelangsung usaha agar tidak tutup/gulung tikar disebabkan tidak adanya pemasukan. Adapun penelitian yang peneliti lakukan ialah di pasar simpang jodoh yang telah direvitalisasi, simpang jodoh merupakan Kawasan yang terletak dipersimpangan Jl. Pasar VII menuju Jl. Besar Tembung, Kawasan yang sudah lama menjadi tempat perniagaan, dan juga sentra bahan pokok. hasil dari penelitian ini menyimpulkan bahwa pendapatan pedagang mengalami penurunan dikarenakan letak yang tidak strategis dan juga banyaknya pengeluaran uang yang dikeluarkan pedagang, kelebihan yang dirasakan pedagang dan masyarakat sekitar juga banyak, Adapun kekurangannya ialah terdapat pada system pada pasar itu sendiri, pembangunan tergolong cepat, dan Sebagian kurang tertata rapi, dan pengelolaan pasar itu sendiri belum ada menunjukkan pembaharuan dari sebelumnya
EFEKTIVITAS PROGRAM SUMUT MAKMUR OLEH BADAN AMIL ZAKAT NASIONAL SUMATERA UTARA DALAM PEMBERDAYAAN EKONOMI UMAT DI KECAMATAN KOTA PINANG (Studi Kasus Bantuan Modal Bergulir Badan Amil Zakat Nasional Labuhanbatu Selatan) Afifah Rahmadani; Andri Soemitra; Aqwa Naser Daulay
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VII | No. 2 | 2021
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1009.22 KB) | DOI: 10.30821/se.v7i2.10619

Abstract

The revolving capital assistance program is the provision of capital loans from the National Amil Zakat Agency of South Labuhanbatu in reducing capital loans that borrow funds from moneylenders, banks, and cooperatives. This study aims to determine and analyze (1) regarding the revolving capital assistance program at the National Amil Zakat Agency of South Labuhanbatu. (2) The role of the revolving capital assistance program of the South Labuhanbatu National Amil Zakat Agency in empowering the economy of the people in the District of Kota Pinang. (3) The effectiveness of the revolving capital assistance program of the South Labuhanbatu National Amil Zakat Agency in empowering the economy of the people in Kota Pinang District. The research approach carried out in this research is descriptive quantitative with data collection methods using observation, interviews and documentation. To analyze the data, the author uses a Likert scale and Miles and Huberman data analysis techniques, namely data reduction, data presentation, and drawing conclusions. The results of the study concluded that (1) the revolving capital assistance program in BAZNAS Labuhanbatu Selatan aims to empower the people's economy so that traders can fulfill their daily needs to be more empowered. (2) The role of the revolving capital assistance program is to increase independence in entrepreneurship, motivate recipients to strengthen ties of friendship among mosque congregations and to improve the family's economic standard of living. (3) The South Labuhanbatu BAZNAS revolving capital assistance program has been implemented effectively in empowering the economy of the people in Kota Pinang District with the average distribution scale value for the effectiveness of the revolving capital assistance program is 2.63
STUDI LITERATUR PERILAKU INVESTOR MUSLIM DALAM PEMILIHAN DAN PENGAMBILAN KEPUTUSAN INVESTASI ANTARA SAHAM SYARIAH DIBANDINGKAN DENGAN SAHAM KONVENSIONAL BAIHAQI AMMY; Andri Soemitra
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VIII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (660.556 KB) | DOI: 10.30821/se.v8i1.12409

Abstract

AbstrakKonteks dalam sebuah investasi di dunia pasar modal, Islam memfokuskan kehalalan sebuah instrumen, manfaat, dan juga kemaslahatan bagi ummat Islam. Perilaku seorang investor muslim dalam pasar modal, pada saat praktik dan pelaksanaannya tidak selalu menjadi sebuah alasan untuk memilih saham-saham yang telah memenuhi standar syariah dalam agama Islam. Penelitian ini bertujuan untuk mendeskripsikan literatur yang telah ada dan menyajikan bentuk perilaku seorang investor muslim dalam memilih dan mengambil keputusan berupa investasi saham yang sudah syariah dibandingkan dengan saham yang masih bersifat konvensional. Pendekatan penulisan penelitian ini yaitu kualitatif analisis konten dengan jenis studi literatur. Penelitian ini menggunakan data sekunder seperti artikel, hasil penelitian, dan buku referensi. Hasil penelitian menemukan bahwasanya penelitian terkait tentang perilaku seorang investor muslim dalam pemilihan dan pengambilan sebuah keputusan investasi antara saham syariah dibandingkan dengan saham konvensional mulai tahun 2020 hingga 2022 hanya ditemukan sebanyak 30 artikel. Indikator yang digunakan sebagai prinsip syariah untuk berinvestasi saham berdasarkan yaitu tidak terdapat unsur riba, tidak terdapat unsur ghahrar, tidak terdapat unsur maysir, terhindar dari unsur subhat, serta tidak mengandung unsur-unsur yang diharamkan dalam syariah Islam.Kata Kunci : perilaku investor muslim, investasi saham syariah, saham konvensional
TINJAUAN HUKUM ISLAM TERHADAP PELAKSAAN AKAD KHIYAR PADA JUAL BELI ONLINE DI APLIKASI LAZADA Risna Ayuni Ana; Andriko Andriko Andriko
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VIII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (898.096 KB) | DOI: 10.30821/se.v8i1.12323

Abstract

Jual beli adalah salah satu kegiatan manusia yang terus mengalami peningkatan yang pesat dari zaman ke zaman. Dengan berkembangnya teknologi dan cara jual beli yang dapat menimbulkan masalah sehingga mengakibatkan perubahan dalam transaksi jual beli. Teknologi mempunyai peran di era globalisasi terkait tata cara jual beli yaitu dengan menggunakan transaksi secara online atau daring. Lazada merupakan perusahaan yang menyediakan layanan jual beli online dengan tipe e-commerce yang mengkhususkan pada transaksi eceran. Khiyar menurut hukum ekonomi islam adalah hak untuk melanjutkan atau membatalkan proses jual beli. Penelitian ini merupakan studi kasus pada lazada yaitu salah satu e-commerce yang ada di indonsia. Tujuan dari penelitian ini adalah untuk mengetahui tinjauan hukum fiqh muamalah terhadap akad khiyar yang ada pada lazada. Penelitian ini menggunakan metode penelitian kualitatif. Data yang digunakan adalah data sekunder, data yang diperoleh secara tidak langsung dari dokumen, data-data, buku-buku, media elektronik, jurnal-jurnal, dan sumber-sumber lainnya yang berkaitan dengan permasalahan yang akan dibahas.. 
ANALISIS PENGARUH RASIO KEUANGAN BANK TERHADAP RETURN ON ASSETS PADA PERUSAHAN PERBANKAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Nisbah Risambira; Hilmiatus Sahla
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VIII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1016.026 KB) | DOI: 10.30821/se.v8i1.12551

Abstract

PENGARUH PERKEMBANGAN SEKTOR KEUANGAN TERHADAP KUALITAS LINGKUNGAN DI NEGARA ANGGOTA OKI TAHUN 2003-2017 Wafdah Layli Rizqiyah; Ilmiawan Aumalim
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. VIII | No. 1 | 2022
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.826 KB) | DOI: 10.30821/se.v8i1.12087

Abstract

This study identifies the effect of the development of the financial sector on environmental quality. The proxy of the environmental Quality indicator is CO2 emissions, while financial sector development is explained by 4 variables. This study uses STATA 13 application and panel data regression analysis techniques. The results showed that there was a significant influence between the ratio of liquidity liabilities to GDP, the ratio of domestic credit to the private sector to GDP, the ratio of stock market capitalization to GDP, stock market turnover ratio, and simultaneous economic growth on the environment of degradation. Meanwhile, each has a different variation. Turnover Stock market ratios and economic growth do not significantly affect environmental quality in OIC Member Countries. The limitation of this study is the number of sample countries only 8 out of 57 OIC Countries, because of the limited data available.

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