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AL-FALAH : Journal of Islamic Economics
Published by Institut Agama Islam Negeri Curup
ISSN : 25482343     EISSN : 25483102     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
AL-FALAH: Journal of Islamic Economics is scientific journal of Islamic Economics based on both conceptual and empirical research. It concerns to extensively publish the issues of islamic economics which study through interdiscipline perspectives—fiqh, shariah finance, islamic bank, islamic development economics, and also economic sociology.
Arjuna Subject : -
Articles 35 Documents
 1   2   3   4 
Keuangan Inklusif Bank Umum Syariah Dalam Mendukung Usaha Mikro Kecil dan Menengah Wati, Erna
AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i1.57

Abstract

This study examines the financial inclusive SMEs on Indonesian Islamic Commercial Bank (ICB). Data used is secondary data from the publication of the Financial Services Authority (FSA) and the publication of ICB. The indicators examined including of the dimensions of use, physical accessibility and price affordability. The results showed that the preferences of ICB on SMEs access were not related with the size of the bank. The three largest ICB is more lower preference allocation to SMEs. Although Islamic banking office network experienced an increasing trend, but physical accessibility for regency still limited. SMEs still have a low price affordability, contrary to the Shariah Rural Bank (SRB). The results also showed that the lower price affordability the higer NPF of SMEs, which implies trade off between price affordability and collectability of financing. Keywords : Inclusive Finance, Physical Accessibility, Affordability, Dimension Usage
Konsep Screening Saham Syariah di Indonesia Fielnanda, Refky
AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i2.255

Abstract

Tulisan ini membuktikan kelemahan pemikiran Alhabshi, Khatkhatay dan Nisar, dan Donia dan Marzban, yang menyatakan bahwa pada kondisi sekarang ini saham dalam proses screening sepenuhnya murni syariah dan terbebas dari spekulasi sangat langkah dan hampir mustahil bisa diterapkan. Argumen mereka bahwa sebagian besar negara memiliki lembaga keuangan konvensional. Disamping itu, screening untuk saham syariah menghambat investor untuk berinvestasi. Dalam konteks fuqaha>’, ada sebagian yang mengharamkan praktik jual beli saham. Sebagaimana diungkapkan oleh Taqi> al-Di>n al-Nabha>ni> dan Yusuf al-Sabatin mengungkapkan bahwa transaksi saham dianggap batal secara hukum, karena dalam masalah transaksi saham tidak tepat menggunakan analisis mas}lah}ah mursalah. Sumber data yang digunakan dalam tulisan ini adalah Fatwa DSN-MUI No: 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal, Peraturan Bapepam-LK Nomor: KEP-181/BL/2009 ditindaklanjuti dengan Peraturan Nomor: KEP-208/BL/2012. Sementara cara membacanya, semua data yang diperoleh disusun secara sistematis dengan menggunakan pendekatan yuridis (Shar‘i), sosiologis, dan ekonomi. Kemudian data tersebut dianalisis dengan menggunakan analisis isi (content analysis).Temuan tulisan ini memperkuat pemikiran Gholamreza Zandi, Seif El-Din I Taj, Zamir Iqbal, dan Sami al-Suwailem, menurut mereka bahwa di setiap negara pasar modal sangat penting sebagai salah satu penggerak perekonomian suatu negara. Oleh karena itu, sistem pasar ekuitas harus diawasi dengan baik, dengan melakukan screening terhadap emiten yang melanggar dari aturan hukum Islam. Dalam konteks para fuqaha>’, temuan tulisan ini juga memperkuat pemikiran S{a>lih} ibn Muh}ammad ibn Sulayma>n al-S{ult}a>n dan Ah}mad ibn Muh}ammad al-Khali>l sepakat bahwa saham dalam Islam adalah bagian dari investasi. Oleh karena itu, untuk menghindar pelanggaran dari prinsip syariah, maka dilakukan screening terhadap saham syariah.
Aplikasi Akad Tabarru’ Wadi’ah dan Qard di Perbankan Syariah Hayati, Ilda
AL-FALAH : Journal of Islamic Economics Vol 1, No 2 (2016)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i2.100

Abstract

The economic transaction in Islam is not always to orientate on commercial, and profit-oriented activity. It is namely with tabbaru‟—all of agreement intentionally related to non-profit. The „aqd can be an activity of which gives or borrows something. In fact, especially in Islamic Bank, that „aqd is consistently maintained in the tabbaru‟ principles. The existed-cost in conserving, is obviously as an avoindance-compentation. The paper will examine the wadi‟ah concept and qard in Islamic Bank. Keywords: Application, Tabbaru‟ „Aqd, Wadiah, Qard and Islamic Bank.
Kaedah Pendidikan Akuntansi dalam Konsep Ekonomi Syariah Hidayat, Taufik
AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i1.61

Abstract

The development of world indicated an acceleration of human lifes. It makes human act to be legatimated trought law, norm and ethics. It also strive for islamic role to be legalized of human action—bussiness, and others. It is a signifier of shariah principles implementation. In this context, shariah accounting is a main pillars of implemented-shariah principles in accounting processs. Theoritically, shariah accounting is socio-economics disciplines of which was formulated from shariah values, and norms. Its goal is to control the human act—bussiness, and also avoid them from savage mind, corrupt behavior. The paper applies the library study in order to clearly formulate various concept of islamic accounting in Islam. Keywords : Education, Shariah Accounting, Kaffah, Islamic Economics, and Socio-Economics.
Pengaruh Kualitas Aset Terhadap Profitabilitas Pada Perbankan Syariah Di Indonesia Silvia, Sineba Arli
AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i1.192

Abstract

The healthy bank is very important because they manage public’s funds that entrusted to them by measuring the asset quality of the bank. Asset quality is a very important component, due to poor asset quality has proven to be the cause of failure of the bank, despite the obvious cause not only liquidity or stock. This research aimed to analyze the effect of asset quality toward the profitability of Islamic Banking in Indonesia. This research examines the effect of the variable of quality of productive assets (KAP) and Non-Performing Financing (NPF) toward the Return on Assets (ROA). The population of this research is the general Islamic Banks (BUS ) from 2010 to 2015. This research uses purposive sampling to determining the sample. The sample used in this research is the general Islamic banks that publish annual reports on the period 2010-2015. With certain criteria, there is 8 BUS sample. The data research is secondary data obtained from the website of each bank. While the method of data analysis uses multiple linear regression analysis. The results of this research showed that the variables of KAP and NPF had the effect toward ROA amounted 18.1 percent, with the significance level of 0.050. KAP variable partially had positive and significant impact toward ROA of Islamic Banking in Indonesia (0.034
Tipologi Nasabah dan Perspektif Emik Terhadap Bank Syariah: Sebuah Pendekatan Konstruktivisme Anggraini, Nori; Sholihin, Muhammad
AL-FALAH : Journal of Islamic Economics Vol 1, No 2 (2016)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i2.96

Abstract

The research uses the qualitative approach. It is applied the constructivism paradigm. Based on data, it can be summaries that society mada a decision to be a consumer of Islamic Bank because of the external factors. These factors, then, a main element which constructs the emic perspective, oftenly. It is foundation to conclude the consumers pattern of islamic bank. The study shows various type of consumers such as the followers-functional and excited; functional, and symphaty and functional. Keywords : Emic Perspective, Typology of islamic bank consumers, constructivism, islamic bank, and Paradigm
Fenomenologi-Ekonomi Islam: Lit Review atas Epistemologi Ekonomi Islam Masudul Alam Choudhury Shalihin, Nurus
AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i2.299

Abstract

Islamic economics is difference with the positivism economics and others. It is a established-concessus among Muslim-economists. Albeit some scholars are still sceptical toward Islamic economics as a complete-science. To respond this assumption, various Islamic scholars who are concern in formulating the epistemology of Islamic Economics. Turast written by classical muslim scholars studied intensively. And also Masudul Alam Choudhury who have intensively research the epistemology of Islamic economics with uniqueness form of epistemology—named by the phenomenology of Islamic economics. This paper examine radically the essensy of Masudul Alam Choudhury. It is to identify the construction of Islamic economics metodology offered by Choudhury. Keywords : Phenomenology, Unity of Knowledge, Islamic Economics, Phenomenology methodology and logical formalism.
Preferensi Strategi Pemasaran Bank Syari’ah Menanggapi Perilaku Konsumsi Masyarakat Saat Musim Panen Anjaswara, Rendra; Hardivizon, H
AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i2.246

Abstract

Consumption behavior that shown by the community during the harvest season has not aroused awareness of sharia banks to implement special marketing strategies in response to the phenomenon. This research is a field research with qualitative approach. The location of this research is in DusunSawah,North Curup District, RejangLebongRegency with the consideration of the number of people who work as farmers and the extent of agricultural land and plantations. The results showed that the consumption behavior of farmers in DusunSawah is consumptive during the harvest season. Consumptive behavior is influenced by three dominant factors, namely cultural factors, social factors, and personal factors. Therefore, the preference of marketing strategies that can be applied by sharia banks in response to consumptive behavior of farmer society ofDusun Sawah in harvest season is concentrated marketing strategy with the concept of event marketing and coffee break marketing.
Analisis Faktor – Faktor Yang Mempengaruhi Keputusan Konsumen Dalam Memilih Belanja Di Alfa Mart Curup Istan, Muhammad
AL-FALAH : Journal of Islamic Economics Vol 1, No 1 (2016)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i1.62

Abstract

This study are to investigate the influence of cultural factors, social factors, personal factors and psychological factors on purchase decision in Alfa MartCurup. Analysis using multiple linear regression, F test, t test, test the coefficient of determination (R2). Multiple linear regression analysis showed that all variables figures obtained positive coefficient. The test results (F) indicates that the variable personal factors, social factor, cultural factors, psychological factor, and price factors together influence the purchasing decisions in Alfa Mart Curup. T test results showed that the variables of individual factors and psychological factors significantly influence purchasing decisions while variable cultural factors and social factors do not significantly influence the purchasing decision. To test the R2 (coefficient of determination) indicates that the variable cultural factors, social factors, personal factors and psychological factors were able to explain the variability of the variable of 21.7%. While the remaining 78.3% is explained by other variables outside the model. Keywords : Buying, Shoping, Consumer, Decision, Alfa Mart, personal factors, social factors, cultural factors,psychological factors and price factors.
Hubungan Interpersonal Skill Karyawan terhadap Minat Masyarakat Muslim Menjadi Anggota Koperasi Syari’ah Fernandes, Sisco; Hardiizon, H
AL-FALAH : Journal of Islamic Economics Vol 1, No 2 (2016)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v1i2.97

Abstract

The interpersonal skill is an ability to identify and respond a reasonable emotion, act, behaviour, motivation and desire of human being. It is sophisticated and need-skill in routine life. In fact, no one of individu can be isolated from the others. Each others need to others. To operate it, individu must have an specific ability to understand the others. In this context, the study is elaborated through mixed-methodology, the research sucessfully find some points. One of these is that, there is, clear and significant correlation between interpersonal skill and the interest of consumers of Islamic Koperasi, Barakoh of Curup. Keywords: Interpersonal Skill, reasonable Emotion, Motivation, and Interest of Consumers.

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