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Economica: Jurnal Ekonomi Islam
ISSN : 20859325     EISSN : -     DOI : -
EEconomica: Jurnal Ekonomi Islam is a scientific journal in the field of Islamic economics studies published twice a year by the Institute of Islamic Economic Research and Development (LP2EI), Faculty of Islamic Economics and Business UIN Walisongo Semarang. The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Islamic Economics themes which cover Islamic Finance, Islamic Banking, Islamic Accounting, Islamic Marketing, also Behavioral Economics, Management, and Human Resources in Islamic perspective.
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Articles 14 Documents
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PENGEMBANGAN SISTEM INFORMASI AKAD MUDHĀRABAH BANK SYARIAH BERBASIS DSS DENGAN MENGGUNAKAN METODE AHP Hartono, Setyo Budi; Susatyono, Jarot Dian; Kholiq, Abdul
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1036

Abstract

This research aims to develop a scoring system awarding financial cooperation that existed at Syariah Banking using various contract in it. The development of this system will replace the performance of the analytical assess and decide on the granting of the contract to mudhārib. With this system will streamline the performance of the analysis in maximizing profits at BMT. Given the increased profitability for the results to be obtained by sahib al-mal will also increase. The methodology in this research is to analyze the process towards a needs assessment, process analysis and counting processes are the priorities of the system. This study resulted in a system that will be applied in analyzing the Mudharabah where deemed profitable or have a larger revenue share.
PENGARUH PERUBAHAN BIAYA TRANSAKSI KARTU ATM (ANJUNGAN TUNAI MANDIRI) PADA TABUNGAN FAEDAH TERHADAP MINAT BERTRANSAKSI NASABAH DI BRISYARIAH KC SEMARANG Yahya, Imam; Putri, Retnandi Meita
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1032

Abstract

The more advanced information technology, the more frequently for banking institutions including BRI Syariah to follow and to use it as a part of service system, that is called as electronic banking. The growth of technology will change banking transaction system radically that eventually will change banking culture. The transaction through electronic banking will ease the customers in doing transaction therefore they are able to opt various services related to their need. Tabungan Faedah BRISyariah delivers affordable and easy service by using electronic banking in which all the transactions are free of charge. It starts from cash withdrawal, money transfer to BRISyariah ATM network, BRI Bank, Prima and Bersama. However, since May 6 2015, there was a transaction charge change especially for transaction in Issuer ATM that is BRI ATM, Prima and Bersama. Since the regulation was applied, the number of transactions also changed. According to the data of BRISyariah Issuer ATM transaction from January to December 2015, the total transaction declined. This research is aimed to discover the influence of transaction charge change of ATM card in faedah banking account to the costumers’ proclivity in BRISyariah KC Semarang.The transaction charge change of ATM card having positive influence and significance towards the costumer’s proclivity. The transaction charge such as cash withdrawal, money transfer, and balance check which is very expensive makes the customer’s proclivity declined. It is proved by the value of t-count is 2.878 > t-table which is 2.024 by the degree od significance is 0.000 below 0.05.
PERAN DANA PIHAK KETIGA DALAM KINERJA LEMBAGA PEMBIAYAAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMENGARUHINYA Fitri, Maltuf
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1033

Abstract

The development of the performance syariah financing institutions in Indonesia keeps increased positive this can be seen of the total assets and third party funds (DPK) that increase over a period of years 2010-2014. During the period of the year the ratio DPK to the total assets of syariah financing institutions reached 78 percent.The indicated that the role DPK for these very strategic performance and the funding institution banking business. In this paper the tried to explain the role of third party funds in an institution syariah funding as an element the certaintly in the provison of financing and as an element that influences the performance business of syariah financing institutions. The importance of the role of DPK for syariah financing institutions hence need to know the factors that affect the development DPK. Approach analysis this paper is descriptive empirical who testing of theoretically and approach in empirical of studies related.
IMPLEMENTASI IJĀRAH DAN IMBT PADA BANK BRI SYARIAH CABANG YOGYAKARTA Sartika, Mila; Adinugraha, Hendri Hermawan
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1034

Abstract

The development of Islamic banking is relatively significant modifications to the current demands of product variants resulted in raising funds and financing at Islamic banking. The concept of ijārah and ijārah muntahiyah bi al-tamlīk (IMBT) both are one example of financial products and services in Islamic banking. By the mindless, this paper aims to describe the concept of ijārah and IMBT on Islamic banking and explained at the level of practice and compliance with the law analyze normative (al-Qur’an, Hadith, and the MUI Fatwa/DSN) and positive law (the Compilation of Sharia Economic Law which issued by the Supreme Court). This research uses a field of research that is descriptive analytical study then combined with the library to produce a comprehensive description of the ijārah and IMBT. Data analysis techniques starting from the identification of problems, data collection, solve problems which eventually led to the solution in the form of a conclusion. From the findings it can be concluded that the implementation of ijārah and IMBT as financing products at Bank BRI Syariah Cabang Yogyakarta is done by the bank to buy what is desired by the customer (such as home and vehicle), then rent it to their bank, at the end of the contract/agreement the bank gives them the option, to have the leased goods bought by way of BRI Sharia (IMBT), or by handing it back to BRI sharia (ijārah). In practice, the operational foundation based on the Sharia Board of the National Fatwa No. 09/DSNMUI/IV2003 the Compilation Economics and Shariah Law Chapter XI of ijārah and IMBT.
KONSEP RIBA DALAM AL-QUR’AN Ghofur, Abdul
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1030

Abstract

Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.
SOLUSI PROBLEM PENGHAPUSAN BUNGA DENGAN PENDEKATAN PRODUK BAI‘ BITSAMAN ĀJIL DALAM UPAYA MEWUJUDKAN LEMBAGA KEUANGAN LĀ-RIBA (Studi Kasus di BMT Damar dan BMT-KJKS IAIN Walisongo Semarang) Mujibatun, Siti
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1035

Abstract

Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)
EKONOMI ISLAM DAN KAPITALISME (Merunut Benih Kapitalisme dalam Ekonomi Islam) Huda, Choirul
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1031

Abstract

A discussion of the modern economic system, usually refers to two major systems, namely capitalism based on the capital markets (capital) and guided socialism which tried to solve problems of production, consumption and distribution through the chain of command. In addition to these two major systems, also known as the Islamic economic system, which refers to the economic practice of the Prophet Muhammad, peace be upon him. Islamic economic system is an alternative to the fundamental problems of the two major systems that already exist. However, when referring to the conditions of the birth of Islam in the midst of Arab society steeped in culture trade, alleged the influence of the capitalist culture of the economic system of Islam, so Islam is perceived closer to capitalism than socialism. Through the study of literary conclusion that Islam and capitalists are the two things affect each other. Sociologically, Islam is present in a capitalist society that both have an attachment. Capitalism, especially trade capitalism existed before Islam came. Before the birth of Islam, Mecca has become the center of international trade and finance. The Prophet Muhammad himself was a merchant before it became a prophet. Thus, capitalism is an ideology or a system that comes from the outside and into the schools of economic thought incoming and economic influence of Islam, although Islam also influence and correct the economic life or Capitalism applicable. Therefore Islam and capitalism are two forces that interact and influence.A discussion of the modern economic system, usually refers to two major systems, namely capitalism based on the capital markets (capital) and guided socialism which tried to solve problems of production, consumption and distribution through the chain of command. In addition to these two major systems, also known as the Islamic economic system, which refers to the economic practice of the Prophet Muhammad, peace be upon him. Islamic economic system is an alternative to the fundamental problems of the two major systems that already exist. However, when referring to the conditions of the birth of Islam in the midst of Arab society steeped in culture trade, alleged the influence of the capitalist culture of the economic system of Islam, so Islam is perceived closer to capitalism than socialism. Through the study of literary conclusion that Islam and capitalists are the two things affect each other. Sociologically, Islam is present in a capitalist society that both have an attachment. Capitalism, especially trade capitalism existed before Islam came. Before the birth of Islam, Mecca has become the center of international trade and finance. The Prophet Muhammad himself was a merchant before it became a prophet. Thus, capitalism is an ideology or a system that comes from the outside and into the schools of economic thought incoming and economic influence of Islam, although Islam also influence and correct the economic life or Capitalism applicable. Therefore Islam and capitalism are two forces that interact and influence.
IMPLEMENTASI IJĀRAH DAN IMBT PADA BANK BRI SYARIAH CABANG YOGYAKARTA Mila Sartika; Hendri Hermawan Adinugraha
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1034

Abstract

The development of Islamic banking is relatively significant modifications to the current demands of product variants resulted in raising funds and financing at Islamic banking. The concept of ijārah and ijārah muntahiyah bi al-tamlīk (IMBT) both are one example of financial products and services in Islamic banking. By the mindless, this paper aims to describe the concept of ijārah and IMBT on Islamic banking and explained at the level of practice and compliance with the law analyze normative (al-Qur’an, Hadith, and the MUI Fatwa/DSN) and positive law (the Compilation of Sharia Economic Law which issued by the Supreme Court). This research uses a field of research that is descriptive analytical study then combined with the library to produce a comprehensive description of the ijārah and IMBT. Data analysis techniques starting from the identification of problems, data collection, solve problems which eventually led to the solution in the form of a conclusion. From the findings it can be concluded that the implementation of ijārah and IMBT as financing products at Bank BRI Syariah Cabang Yogyakarta is done by the bank to buy what is desired by the customer (such as home and vehicle), then rent it to their bank, at the end of the contract/agreement the bank gives them the option, to have the leased goods bought by way of BRI Sharia (IMBT), or by handing it back to BRI sharia (ijārah). In practice, the operational foundation based on the Sharia Board of the National Fatwa No. 09/DSNMUI/IV2003 the Compilation Economics and Shariah Law Chapter XI of ijārah and IMBT.
KONSEP RIBA DALAM AL-QUR’AN Abdul Ghofur
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1030

Abstract

Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.
SOLUSI PROBLEM PENGHAPUSAN BUNGA DENGAN PENDEKATAN PRODUK BAI‘ BITSAMAN ĀJIL DALAM UPAYA MEWUJUDKAN LEMBAGA KEUANGAN LĀ-RIBA (Studi Kasus di BMT Damar dan BMT-KJKS IAIN Walisongo Semarang) Siti Mujibatun
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1035

Abstract

Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)

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