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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 
Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel Al Arif, M Nur Rianto; Nurhikmah, Ika
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.v2i1.161

Abstract

Financing is one of the performance’s indicator in Islamic banking industry. The aim of this research is to examine the factors that influence the financing in the Indonesian Islamic banking industry. The method that used in this research is panel regression with fixed effect model. The variabels that used in this research are capital ratio, profitability ratio, default rate, liquidity ratio, efficiency ratio, deposit fund, inflation, and profit sharing yield. The result shows that the capital ratio, profitability ratio, efficiency ratio, deposit funds, and profit sharing yield had an impact on financing in the Indonesian Islamic banking industry. This result implies that the Islamic banks should maintain the internal factors to increase the financing in the Islamic banking industry.
Individual Experience dan Persepsi Pedagang: Relasi Pengalaman Individual Dan Persepsi Pedagang Terhadap Bank Syariah Hajaru, Fajar; Hardivizon, H
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.v1i1.63

Abstract

The main differences of shariah institution and conventional can be indentified in the two system--application of loss and profit sharing; interest. Loss and profit sharing as an alternative system, or mechanisme to alter the ribawi system. In this context, the research applies a grounded theory. The result shows that their perception toward profit and loss sharing in islamic bank, essentially is based on individual experience. It is also a foundation for their choice toward islamic bank. Data informs that consumers interest to choose islamic bank because of profit and loss sharing. Keywords : Individual experience, perception, consumers, islamic bank, profit and loss sharing.
Formulasi Hybrid Contract Sebagai Alternatif Pembiayaan Pertanian Di Bank Syariah Pratiwi, Rahmi; Noprizal, Noprizal
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.v2i2.254

Abstract

This research uses interpretive approach. This approach is chosen to understand a symptom both oral and written, and aims to know a symptom of the symptoms themselves are studied in depth using the instrument interview or interview with informants. This research was conducted to understand how the portrait of agricultural financing in both Islamic banks namely Bank Muamalat and BPRS SAFIR Curup branch. The results showed that the existing agricultural financing in both sharia banks using murabaha schemes used to finance the goods or tools that support the agricultural business. According to the authors, murabahah contract is not appropriately applied to the agricultural sector because it has not been able to answer the needs of farmers. A more precise contract is profit-sharing such as muzaraah or mukhabarah. Therefore, the authors recommend the formulation of contracts on the agriculture sector based on hybrid contracts namely bai al-wafa wal muzaraah and bai al-wafa wal mukhabarah.
Konasi Komunitas Pesantren Yogyakarta dalam Penggunaan Arabic Terms dan Indonesian Terms pada Skim Produk Bank Syariah Ghoni, Abdul; Suripto, Teguh; Salam, Abdullah
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.v1i2.98

Abstract

This study analyzes the pesantren community “konasi” comparison to the use of terms and Indonesian Arabic terms used in the skim product of Islamic banks. The sample is pesantren communities in the Province of D.I Yogyakarta. Types of samples in this study using cluster random sampling and proportionate sampling. Samples were taken as many as 155 respondents from 31 boarding schools in the Province D.I Yogyakarta. The results showed no difference konasi pesantren communities involving caregivers, religious teacher and students in the province DI Yogyakarta against the use of terms and Indonesian arabic terms. Keywords: arabic terms, Indonesian terms, konasi, product
Pengentasan Kemiskinan Melalui Pemberdayaan Ekonomi Umat Menurut Persfektif Islam Istan, Muhammad
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.v2i1.199

Abstract

Poverty as a social problem will never escape the attention and discussion of Islamic teachings. Islam explores some of the most urgent main themes of empowerment and community involvement in eradicating their poverty. The Quran as the main source of Islamic teachings echoed a moral call for social justice in the economy to be upheld against people living below the poverty line. Efforts to alleviate poverty, one of the main focuses in Islam is the doctrine of weak economic empowerment of the people. Islam considers human resources personally to be the main agent in empowering the peoples economy. Furthermore, Islam also sees that poverty alleviation is the collective responsibility of society so that the effort of economic empowerment of the poor becomes the collective obligation of all elements of society, especially poverty caused by social structure. It takes synergy between elements of society both government, ulama and society itself as subject and object of change. Some of the above empowerment models can be divided into two groups; Structural and cultural measures. Structural measures are more emphasized to the special institutions that handle them to run well, while cultural steps are emphasized on individuals, both individuals who are expected to be one of the subjects of poverty alleviation and empowerment of the poor and the poor and who became its object
Potensi Pengembangan Produk Pembiayaan Natural Uncertainty Contract (NUC) Di Bank Syariah Terhadap Sektor Ril UMKM Trimulato, Trimulato
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.v1i1.59

Abstract

The data suggests that the financing agreement for the results did not become dominant. The contribution of financing in sharia’ah banks with murabahah sale and purchase agreement of 63.868 percent. Islamic economics can not be separated from the real sector, especially SMEs, its existence requires the support of other parties, including shari’ah banks. Financing products with mudharabah it is appropriate to sustain the business capital of SMEs. Based on data that the growth of SMEs in 2013 of 56,534,591 into 57,895,721 or grow around 2.408 percent. It takes a good response for shari’ah banks to provide financing for SMEs. This paper uses a descriptive qualitative. The paper is focused on products with the financing agreement Uncertanty Natural Contract (NUC) at the shari’ah bank and real sector SMEs. The research uses literature study from various sources. The results descrobes that the potential development of financing products with NUC contract in shari’ah bank is still very large. It is seen that the number of SMEs continues to grow, then the portion of financing products are still small. This indicates that the loan product NUC financing in shari’ah banks are very suited to the conditions and character of SMEs. Potential financing agreement NUC product development in Islamic banks are still very large and very spacious. Keywords : Potential, Shari’ah Banking, Natural Uncertanty Contract (NUC),Real Sector and SMEs.
Solusi Ekonomi Islam Terhadap Rekayasa Helah (Praktek Riba) Batubara, Damri
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.v2i2.262

Abstract

Islam places economic activity as one of the most important aspects of gaining glory, and therefore economic activity, like any other activity, needs to be controlled and guided in line with the objectives of Islamic Shariah. However, some people take advantage of the legitimate contracts of Islamic law to be able to do usury, or legitimize usury through the engineering of legitimate contracts, or make a legitimate contract as a shield of usury usage called helah (engineering practice usury. If the perpetrator intends to deliberately do helah to justify usury where the first and second sale is not the goal of both parties, but only serve as a tool to justify usury, then no doubt about the prohibition of their actions because a road to the haram is also illegal, because human actions are measured according to their intentions.
Kepuasan Muzakki Terhadap Kualitas Pelayanan Zakat Pada BAZ (Badan Amil Zakat) Kabupaten Kerinci Hendrianto, Hendrianto
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.v1i2.99

Abstract

The muzakki satisfication towards the service quality in BAZ (Badan Amil Zakat) is different each others. It is because of the complicated-factors. Based on that assumption, the research is focused to measure the muzzaki utility towards the service quality of BAZ, Kerinci District. Applied the quantitative method, the study result a main finding in which the trend of muzakki utility toward BAZ service is good enough. But, in other cases, a part of them feels not enough in satistification. It can be proved from the tangible (CM) score ON 211. Keywords: Muzakki utilty, Service, Quality, Satisfication and Zakat Apparatus.
Peran Negara Dalam Distribusi Kekayaan (Perspektif Ekonomi Islam) Zakiyah, Kuni
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.v2i1.88

Abstract

One of the most fundamental objectives of Islam is to bring happiness (Falah) for all Moslems both in the world and in the Hereafter and to realize the brotherhood among members of the Moslems community. This objective cannot be achieved if there are inequality and injustice in the distribution of wealth among society, the gap between the rich and the poor is still widening and there is class conflict/class struggle in society. In order to realize a fair distribution of wealth, fair and equitable, enforceable by means of the mechanisms of economic and non-economic mechanisms. Economic mechanism directed towards the productive sector, whereas non-economic mechanism, is not through productive economic activity, but through non-productive activities, for example, zakat, inheritance, and sodaqoh sunnah.
Psikografis dan Religiusitas dalam Bertransaksi Pada BNI Syariah Makassar Amiruddin, Muhammad Fauzi; Abdullah, Muhammad Wahyuddin
AL-FALAH : Journal of Islamic Economics Vol 3, No 1 (2018)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v3i1.347

Abstract

This study aims to determine the influence of psychographic factors that include activity, interest and opinion, as well as the religiosity factor to the decision to transact at the BNI Syariah Makassar. This type of research is quantitative research with correlational approach. The data used are primary data through direct questionnaire distribution, using non probability sampling and accidental sampling technique, totaling 56 samples. The respondents of this research are customers who use BNI Syariah products, then the analysis technique used is multiple regression. The result of this study indicates that the variables of activity, interest, opinion, and religiosity simultaneously affect the decision to transact at BNI Syariah Makassar. Partially, this research indicates that the variable of activity, opinion, and religiosity have an effect on the transaction decision, while the interest variable has no effect to the transaction decision at BNI Syariah Makassar. The implication of this research is that transaction activity in syariah bank has become activity which often done by society because the products owned by BNI Syariah Makassar bank have been able to support the society activity. The Society opinion on BNI Syariah bank is also positive, and the existence of BNI Syariah bank has become a solution for people who have high level of religiosity. To evaluate the issue of the society interest, BNI Syariah Makassar Bank should maximize the Information and Promotion media to attract the public interest.

Page 2 of 4 | Total Record : 35

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