Jurnal Ilmiah Ekonomi Islam
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Pemikiran Ekonomi Muslim Klasik Masa Al-Ghazali
Get PDFPemikiran ekonomi islam terlahir dari kenyataan bahwa islam adalah sistem yang diturunkan Allah kepada seluruh manusia untuk menata seluruh aspek kehidupannya dalam seluruh ruang dan waktu. Salah satu tokoh pemikiran ekonomi di kalangan umat Islam yaitu Al-Ghazali dengan pemikirannya tentang pemikiran sukarela dan evolusi pasar yang menjelaskan terkait konsep harga yang adil, permintaan dan penawaran serta etika berperilaku pasar, produksi barang yang menjelaskan terkait kebutuhan pokok yang harus ditanggung oleh negara apabila tidak ada yang memenuhi, barter dan evolusi uang yang menjelaskan terkait lemahnya sistem barter dikarenakan barang kurang memiliki angka penyebut yang sama, barang tidak dapat dibagi, dan keharusan adanya dua keinginan yang sama, selain itu adanya larangan menimbun uang, pemalsuan dan riba, serta peranan negara dan keuangan publik yang menjelaskan terkait perlunya peran negara dalam menjaga keadilan, kedamaian dan stabilitas untuk mendukung kemajuan ekonomi, badan peradilan dan pengawasan ekonomi untuk menyelesaikan sengketa dan kecurangan, selain itu juga konsep sumber pendapatan negara yang seharusnya berlandaskan kesejahteraan, utang publik dan pengeluaran publik
Pengaruh Suku, Marga Dan Agama Terhadap Minat Beli Masyarakat Perspektif Ekonomi Syariah Dengan Harga Sebagai Variabel Intervening Pada Pasar Mardika Kota Ambon
Get PDFThis study aims to determine the direct effect of the variables of ethnicity, clan, religion, and price on purchase intention and to determine the indirect relationship between ethnicity, clan, and religion variables on purchasing interest through prices at the Mardika market, Ambon City, from an Islamic economic perspective. This research is a quantitative research with a descriptive approach. The data source in this study is primary data derived from questionnaires. The sample in this study were 160 people. The data processing technique used is the Structural Equation Model (SEM), where the data analysis used is the outer model analysis, inner model analysis, and hypothesis testing. The results of the study show that ethnicity influences purchase intention. Marga has an effect on buying interest. Religion influences buying interest. Prices affect buying interest. Tribe has no effect on price. Marga affects the price. Religion has no effect on prices. Tribe has no effect on buying interest through price. Marga influences buying interest through price. Religion has no effect on buying interest through price
Peran Wakaf Sumur Dalam Meningkatkan Kesejahteraan Masyarakat Pamekasan (Studi Kasus Program Yayasan Cahaya Ummat)
Get PDFThis study aims to determine the role of wells waqf in improving people's welfare in a program developed by the Cahaya Ummat Foundation. The type of research used is qualitative research. The data collection techniques were interviews, documentation, and observation at the Cahaya Ummat Foundation. The results of this study indicate that the community has been assisted by the Air Madura alms program developed by the Cahaya Ummat Foundation; the construction of waqf wells which was carried out at 60 locations, resulted in convenience for the community to meet their needs for clean water and made it easier for the community to carry out activities. The community has experienced an increase in welfare and the economy. This can be noticed in the Wells Waqf program so that various businesses carried out by the surrounding community can run well, especially in the agricultural and livestock sectors
Pengaruh BOPO, FDR dan Faktor Eksternal terhadap Profitabilitas Bank Muamalat pada Periode 2014-2022
Get PDFThis research analyzes the relationship of financial ratios and external factors that affect profitability in Muamalat, TBK Bank, This research uses a time series that uses the 2014-2022 data..The result is BOPO, FDR, BI Rate and Inflation affect ROA in simultaneously. But in Partial results only BOPO and FDR affected ROA. r-square having results 0.965103, where this proved that BOPO, FDR, BI Rate and Inflation have 96,5% contribution to ROA simultaneously
Analisis Akuntabilitas dan Transparansi Pengelolaan Zakat, Infak dan Sedekah (ZIS) (Studi Kasus Baznas Kota Payakumbuh)
Get PDFThe main problem in this thesis is the implementation of the principles of accountability and transparency in the management of zakat, infaq and alms of the Payakumbuh City Amil Zakat Agency (BAZNAS) and their implications for BAZNAS performance. Payakumbuh and its implications for the performance of BAZNAS. The type of research used is qualitative research, by adopting case study research. The case in BAZNAS Payakumbuh City is that in 2020 the amount of zakat that can be collected is 2.1 billion rupiahs, while the potential for zakat in Payakumbuh City reaches 6.1 billion rupiahs annually. Data collection techniques used are through observation, interviews and documentation. Data processing was carried out in a qualitative descriptive manner, then described and classified aspects of certain problems and explained through effective sentences. From the research that the authors conducted in the field, it can be concluded that BAZNAS Payakumbuh City has implemented the principle of accountability in managing ZIS funds in accordance with the concept developed by Indonesia Magnifence of Zakat (2011) both in the decision-making process and in the process of policy outreach. Furthermore, the principle of transparency carried out by BAZNAS Payakumbuh City has not fully implemented the principle of transparency. Presentation of information as a whole has not been carried out by BAZNAS Payakumbuh City. As well as proposals that are received, whether they are acceded or not, they have not been published digitally on social media, so mustahiq have to come back and forth to the office to ask how far the submission process is. Currently, of the five indicators of transparency principles, there are two transparency principles that have not been fully implemented by BAZNAS Payakumbuh, namely the publication of balance sheets and sharia audits. This research still shows 'mix results' regarding the impact of implementing accountability and transparency on BAZNAS performance. Data shows that from 2017 to 2020 the implementation of the principles of accountability and transparency had a negative impact with a decrease in collection performance in 2018. However, in 2017 it showed contradictory results. The explanation for this contradictory result is that there has been a change in regulation that ASN zakat at the high school and university levels is managed by the Provincial BAZNAS
Study of Mudharabah Literature in Banking in Indonesia
Get PDFThis literature aims to determine the mudharabah in banking in Indonesia. The results of the literature show that Murabahah is considered one of the products that is widely criticized by academics because in this scheme, there is no risk sharing between banks and customers. The absence of risk on the side of Islamic banking causes the risk to be fully borne by the customer, while Islamic banks are relatively safe from risk. The Mudharabah system is actually a promising alternative when compared to the interest system. This is because in the mudharabah system there is a principle of justice in it by positioning the owners of capital (rabb al mal) and entrepreneurs (mudharib) as partners. On the liability side, mudharabah is applied to: Time savings, ordinary deposits and special deposits, while on the asset side, mudharabah is set at: Working capital financing and special investments
Pengaruh Pengetahuan dan Kesadaran Nasabah Akan Perbankan Syariah Terhadap Keputusan Nasabah Dalam Memilih Fasilitas Pembiayaan Kredit Usaha Rakyat (KUR) Syariah di Bank Syariah Indonesia Area Kota Medan
Get PDFThis study aims to determine the influence of knowledge and awareness of nasbah simultaneously on customer decisions in choosing Micro KUR products at Bank Syariah Indonesia. This type of research is field research (field research), which is direct observation of the object to be studied to obtain relevant data. This research uses a quantitative approach, the sources used in this study consist of two types, namely primary and secondary. The primary data of the data being studied is by providing questionnaires to respondents to respondents, while skunder data carried out through literature studies help find theories that support this research. Samples were taken as many as 50 BSI customers. The analysis technique uses multiple linear regression analysis, and the hipoetic test t test, f test, and detremination test. The results of the research on unison testing of the variables Knowledge (X1), and Awareness (X2 have a positive and significant effect on the customer's decision to choose a Sharia KUR financing facility at BSI. Testing the coefficient of determination obtained with a value of 0.840 means that 84.0% of changes in variables are bound by customer decisions in choosing a Sharia KUR financing facility at BSI, influenced by knowledge and awareness. Meanwhile, the remaining '16.02% is explained by other factors beyond the two research variables
Analisis Penggunaan Berkelanjutan Digital Banking Dengan Fitur Layanan Sebagai Variabel Moderasi Pada Nasabah PT. Bank Syariah Indonesia KC Batusangkar
Get PDFThis study aims to determine the use of sustainable digital banking with service features as a moderation variable for customers of PT. Bank Syariah Indonesia KC Batusangkar data analysis technique uses PLS (Partial Least Square) with processing using Software Warp-PLS 8.0. The test results using the SEM-PLS approach show that, Moderation effect of service features in the relationship between perceived usefulness and continuance intention in using digital banking during the Covid 19 period. Perceived usefulness of X1 is positive and significant, meaning that service features are able to moderate the relationship between perceived usefulness and use sustainable so that the hypothesis (H4) is accepted. Service features significantly moderate the relationship between perceived usefulness and sustainable use with a p-valu
Pengaruh Pelayanan dan Produk Perbankan Syariah Terhadap Loyalitas Nasabah Dalam Mengambil Pendanaan dan Pembiayaan (Studi Kasus: Bank Syariah KC Padangsidimpuan)
Get PDFDeparting from the main issues that are being widely discussed in society related to sharia banking which is the talk of the town today. Therefore the initiative of the researcher to raise this problem is the subject of the title of this study. And this study aims to determine the effect of Islamic banking services and products on customer loyalty in taking funding and financing at Bank Syariah Indonesia KC Padangsidimpuan. The research method uses multiple linear regression which is sourced from the primary data of the respondents. The results of this study indicate that the service variable has no significant effect on customer loyalty at PT. BSM KCP Kaliurang, so the hypothesis is accepted. Judging from the (partial) t-test, it shows that the significance value is > 5% or 0.05, which is equal to 0.337 > 0.05. So that the conclusion is service has no influence on customer loyalty. Product Variables have a significant influence on Customer Loyalty variables. By using a dummy variable which shows that the Product variable (X2) on Customer Loyalty (Y) uses a partial t-test which shows a significance value of 0.01
Pendapatan dan Religiusitas Individu Muslim di Indonesia
No full textNumerous studies have revealed a negative relationship between economics and religiosity, suggesting that an improvement in economic conditions can decrease an individual's religiosity. This assumption is based on the hypothesis of secularism, which posits that economic progress reduces religious adherence. The present study aims to examine the influence of economic variables, measured by individual income and daily working hours, on the religiosity of Muslim communities in Indonesia, as measured by participation in religious study groups (taklim) and prayer activities. A quantitative analysis using logistic regression is employed to explore the likelihood of individual religiosity levels when influenced by economic variables. Control variables in this study include age, proximity to Islamic traditions, level of adherence, place of residence, and Islamic education. The research findings indicate that income level does not significantly increase the likelihood of individuals engaging in prayer and taklim activities. Conversely, the number of daily working hours exhibits a negative relationship with prayer and taklim activities. The longer an individual works in a day, the higher the likelihood of abstaining from prayer and taklim activities