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Economica: Jurnal Ekonomi Islam
Published by Universitas Islam Negeri Walisongo Semarang
ISSN : 20859325     EISSN : -     DOI : -
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Social Sciences Other
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 The editors receive scientific articles in the form of conceptual script or unpublished research results or other scientific publications related to Islamic Economics themes which cover Islamic Finance, Islamic Banking, Islamic Accounting, Islamic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.
Arjuna Subject : -
Articles 18 Documents
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Search results for , issue "Vol 2, No 2 (2012)" : 18 Documents clear
MENGUKUR KINERJA OPERASIONAL BMT PADA TAHUN 2010 DITINJAU DARI SEGI EFISIENSI DENGAN DATA ENVELOPMENT ANALYSIS (DEA) (Studi Kasus BMT Di Kota Semarang) Yuningrum, Heny
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.852

Abstract

The development of Islamic banking in Semarang city was rapidly since 1997 until 2012. It is thanks to the Government support in the terms of determine  Islamic  banking. The Support  is now more easy for  movement of Islamic  financial institutions. the author chose the year 2010 of this research because 2010 have been reported complete leadership of the BMT. The issue of this research is how the operational of activities BMT in Semarang city has reached the level of operational efficiency in 2010 and how the forward prospects in Semarang city for competition of BMT with the another syariah financial.The population of this research are 72 BMt and the  sampling  of this research are 12 BMT. The population and the sample was listed by PUSKOPSYAH. The analyze of this research using WDEA which is expected to be answer the problems occurred in the BMT.The result of this Research are  3 BMT has efficiency of 55% until 90%. There are BMT Mitra Hasanah (61,51), BMT Pasadena (62,41%) and BMT Anda (71,18%). The capital and the operational expenses of three BMT must to increase until  hit a target was expected. The average of That BMT only 30% from the target. And the BMt have low efficiency (less than 55%) i.e. BMT Hudatama (29,22%, BMT Fosilatama (33,28%), BMT Tumoto Bondo (47,81%). While a third of this BMT have low efficiency from variable input i.e. capital and operational expenses and savings. There are need to  upgraded from 50% until 70%. The deficiency occurs in the BMT are  the proportion of unbalanced input i.e. capital and operational expenses, the number of entries maintained does not match your target market. To achieve those targets each BMT must add capital, operating expenses and savings.To answering  the problemof inefficient are: the value of output that should be improved by reducing the input, if  the input and output was increased, so the level to the increase f of output must be greater than the rate of increase for input, or the both of output and input was decline because  the derived output should be lower than input.
ANALISIS PENGARUH PARTISIPASI SANTRI KOMITMEN DAN KEMAMPUAN BERINOVASI TERHADAP KINERJA KOPERASI PONDOK PESANTREN DI KOTA SEMARANG Syarbani, Hasyim
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.848

Abstract

In order to improve the performance of cooperative boarding lodge, then it can be done with meningkatkann participation and commitment of members, because of the participation and commitment affect the performance of the company. whereas innovation-oriented company providing a positive impact on company performance. Therefore, this study is a replication of research Johanis W dominoes is applied to the cooperative boarding lodge. While the purpose of the research goal is to determine the effect of participation and ability to innovate komimen effect on the performance of cooperative boarding lodge. Based on the results show Ahwa: Turnout santri the ability to innovate cooperative commitment of the boarding lodge is still low as well as the performance cooperative boarding lodge  is still low, this is indicated by a decline in business, number of members and the rest of the results of cooperative efforts boarding lodge per year. The goodness of fit indices and regression weights can be accepted research model means that the participation of santri, commitment and ability to innovate affect the performance of cooperative boarding lodge. So it can be concluded that the low performance of cooperatives that santri affected by the lack of participation, commitment and ability to innovate cooperative boarding lodge.
ANALISIS PENGARUH FAKTOR EKONOMI DAN RELIGIUSITAS TERHADAP PERSEPSI SUPERVISOR DAN MANAJER MENGENAI INDEPENDENSI DEWAN PENGAWAS SYARI’AH (Studi Kasus pada Bank Syari’ah di Indonesia) Prasetyoningrum, Ari Kristin
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.853

Abstract

The objectives of this study are to tests the effects of economics factor (financial association and relationship of business and “fee” dimention) and Religious factor (charitable dimention) to Shari’a Supervisory Board (SSB) independency to prove empirically research done by Karim (1990). The primary data of this received from perception of shari’a banking managers and supervisors in Indonesia. The data were collected by using questionnaires sent to managers and supervisors. Questionnaires were distributed to 385 shari’a banking managers and supervisors and the response rate is 10, 65%. The data were analyzed by using multiple regression metode. The result of this research indicated that religious factor has positive and significant relationship with SBB independency. It also indicate that financial association and relationship of business has negative relationship and “fee” has positive relationship with SBB but both of them are not significant. This research finding in line with research of Karim (1990).
IMPLEMENTASI PRINSIP GOOD CORPORATE GOVERNANCE PADA PERBANKAN SYARI’AH DI INDONESIA Setyani, Nur Hidayati
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.849

Abstract

Bank is financial institution, which is a fungtioning financial intermediary from two parties, namely sides that excess fund and poor one party lents fund. Principle syari’ah is ruling indentured base islamic law among bank and party othering to keep fund and/or business activity finanance, or stated another activity according to syari’ah.Good corporate governance (GCG) is manner brings of bank that are principles apply; transparency , accountability, responsibility, independency and fairness. GCG’s principles really back up syar’i. In Islam also recognized many muamalah’s principles as; justice, tazawun, masuliyah, behaviour, shiddiq, trust ,fathanah , tabligh hurriyah, charity, wasathan, ghirah, idarah, khalifah, aqidah , ijabiyah, raqabah, qira’ah and islah. Implementation  about performing GCG at various institute carries on business to get profit’s orientation, notably financial institution/syari’ah bank, constitute a certainty, even syari’ah’s financial institutions in particular bank syari’ah, ought to becomes pionir, since to carried on terminological islamic principles.
ANALISIS PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS PERBANKANSYARIAH DI INDONESIA (Rasio Keuangan pada BUS dan UUS Periode 2008-2010) Suryani, Suryani
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.854

Abstract

This study aimed to (1) analyze the condition of Financing to Deposit Ratio (FDR) of Islamic Banking in Indonesia; (2) analyze the profitability of sharia banking in Indonesia; and (3) to analyze the influence of Financing to Deposit Ratio (FDR) of the profitability of sharia banking in Indonesia. This study took samples at Islamic banks in Indonesia including 11 Islamic Banks (BUS), 23 Business Units of Sharia Banking (UUS). The research data is from Islamic Banking Statistics published by Bank Indonesia from January 2008 until December 2010 (Financial Ratio Study to BUS and UUS period 2008-2010). The number of Islamic banks used is 34 banks. The technique uses simple linear regression analysis with the help of the program EVIEWS version 5. The results of analysis is further illustrated as follows: First: Financing to Deposit Ratio (FDR) of sharia banking has an average of 103.65% during the year 2008,  89.70% in 2009 and 94.37%   in 2010. Overall, the average Financing to Deposit Ratio (FDR) in the three years is about 98.79%. Second: Return on Asset (ROA) is one of the profitability ratio used to measure the effectiveness of the company in generating profit by leveraging its total asset. Based on the description of the variables, it shows the average Return on Asset (ROA) in 2008 is of 1.77%, 1.98% in 2009 and 1.74% in 2010. This result indicates that the average Return on Asset (ROA) in three years of observation is still above the prevailing bank. Third: The result of regression analysis indicates no significant of Financing to Deposit Ratio (FDR) for Return on Assets (ROA). The quantity t count is 0.475 far below the t table 2.032. The result of study differs from the study of Adi Stiawan (2009), but supports the study of Nurkhosidah Siti (2010) and Yuliani (2007). This study shows  no significant effect on bank profitability.
TEORI INVISIBLE HAND ADAM SMITH DALAM PERSPEKTIF EKONOMI ISLAM KAH, Rustam Dahar
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.850

Abstract

Adam Smith as the founder of modern economics laid the basic foundation for economic development through the capitalist system in which capital factor used as a measuring tool for economic success. One opinion of Adam Smith "the theory of invivisble hand" in economic activity every individual has the full authority of his property and free use of economic resources in ways that he likes, disregarding the interests of the general public. This shows that capitalism has the right to have a peribadi an unlimited of the means of production, which is the driving force personal profit. Islam is essentially bringing the teachings to human life that comes the Koran and Hadith. Economic activity in the view of Islam is the guidance of life, in addition it is also a suggestion that has a dimension of worship. Wealth (material wealth) is trustworthy, thus the mandate that God bestowed it must be used together, not to suck other people or enslave other people. Islam allows every person to own property in person, but as it also enjoins on his property was to be used collectively (together), alms or spend a portion of such property in Allah. Economic activity in the view of Islam is not only material but more than that - "material plus" -. Islam has always stressed that every person living in a lawful manner. Islam also does not prohibit untukmelakukan economic activity, but Islam provides guidance and guidance in the form of Islamic values. 
ANALISIS RASIONALITAS INVSETOR DALAM PEMILIHAN DAN PENENTUAN PORTOFOLIO OPTIMAL PADA SAHAM-SAHAM JAKARTA ISLAMIC INDEX Rifqiawan, Raden Arfan
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.826

Abstract

The purpose of this study is to determine that  wether investor rationality exist in undergoing the stock choice in  Jakarta Islamic Index at Indonesia Stock Exchange. Population to be chosen in the study is 44 firms listed on JII. However, the sample included are only 19 firms that present 30 times consecutively of simultan monitoring on JII. From 19 firms  after analyzed with single index model  found 11 has firms has  ERB > Ci*, that mean if investor invests  in 11 stocks will  get return higher with lower risk in comparison with investment in risk free  asset. Data to be used in the study is the secondary one, which is collected from Indonesia Stock Exchange Monthly Statistic and risk free rate report from Central Bank of Indonesia.Result to be obtained from the study demonstrates on empirical evidence of investor rationally in choosing the stock on JII. The value is  showed averagely stocks trade  volume that has  ERB > Ci* higher is compared averagely stocks trade  volume that has  ERB< Ci*.
PENGARUH ORIENTASI PEMBELAJARAN MOTIVASI KERJA DAN KOMITMEN TERHADAP KINERJA MADRASAH SWASTA DI KOTA SEMARANG El-Junusi, Rahman
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.851

Abstract

Penelitian ini merupakan eksistensi dari penelitian Asatuan (2004) dan Kiuk (2007), sehingga kombinasi dari kedua penelitian digabung akan memberi model pemberdayaan lembaga madrasah swasta yang berkualitas serta turut serta dalam menggerakkan pembangunan  pendidikan  dan mencerdaskan kehidupan masyarakat melalui orientasi pembelajaran, motivasi kerja dan komitmen dalam upaya meningkatkan kinerja madrasah swasta. Adapun tujuan penelitian adalah (1) untuk mengetahui pengaruh orientasi pemeblajaran terhadap kinerja madrasah swasta, (2) untuk mengetahui pengaruh motivasi kerja  terhadap kinerja madrasah swasta serta    (3) untuk mengetahui pengaruh komitmen  terhadap kinerja madrasah swasta. Hasil penelitian menunjukkan bahwa  (1) Orientasi pembelajaran berpengaruh terhadap kinerja madrasah swasta (2) Motivasi kerja berpengaruh terhadap kinerja madrasah swasta. Serta (3) Komitmen berpengaruh terhadap kinerja madrasah swasta.
PENGUATAN AKAD PEMBIAYAAN MUDHARABAH UNTUK MEREALISASIKAN MISI KEADILAN BERBISNIS PADA BAITUT TAMWIL TAMZIS WONOSOBO Fatoni, Nur
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.827

Abstract

Baitut Tamwil TAMZIS is unique in terms of financing agreement courage to apply to the majority of its financing. BT TAMZIS understand the financing as "nggaduhke" of funds to members to be developed by way of trade. The risk of losses on these funds BT TAMZIS risk. This is evident when there is a fire Wonosobo market, Waterford and Magelang. To overcome it, he has a security system when there is a loss of assets due to natural factors or human error accident outside as the fire. He made the assurance division that serves as an internal insurance. Guarantee fund paid for by the BT TAMZIS in a unique way as well. Members exempt from administrative costs at the time of withdrawal. Members receive financing without the discount. He was obliged to pay the funds taawun with specific tariff. The benefit fund is to liberate the remaining debt taawun members during a disaster.
ANALISIS PENGARUH FINANCING TO DEPOSIT RATIO (FDR) TERHADAP PROFITABILITAS PERBANKANSYARIAH DI INDONESIA (Rasio Keuangan pada BUS dan UUS Periode 2008-2010) Suryani Suryani
Economica: Jurnal Ekonomi Islam Vol 2, No 2 (2012)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2012.2.2.854

Abstract

This study aimed to (1) analyze the condition of Financing to Deposit Ratio (FDR) of Islamic Banking in Indonesia; (2) analyze the profitability of sharia banking in Indonesia; and (3) to analyze the influence of Financing to Deposit Ratio (FDR) of the profitability of sharia banking in Indonesia. This study took samples at Islamic banks in Indonesia including 11 Islamic Banks (BUS), 23 Business Units of Sharia Banking (UUS). The research data is from Islamic Banking Statistics published by Bank Indonesia from January 2008 until December 2010 (Financial Ratio Study to BUS and UUS period 2008-2010). The number of Islamic banks used is 34 banks. The technique uses simple linear regression analysis with the help of the program EVIEWS version 5. The results of analysis is further illustrated as follows: First: Financing to Deposit Ratio (FDR) of sharia banking has an average of 103.65% during the year 2008,  89.70% in 2009 and 94.37%   in 2010. Overall, the average Financing to Deposit Ratio (FDR) in the three years is about 98.79%. Second: Return on Asset (ROA) is one of the profitability ratio used to measure the effectiveness of the company in generating profit by leveraging its total asset. Based on the description of the variables, it shows the average Return on Asset (ROA) in 2008 is of 1.77%, 1.98% in 2009 and 1.74% in 2010. This result indicates that the average Return on Asset (ROA) in three years of observation is still above the prevailing bank. Third: The result of regression analysis indicates no significant of Financing to Deposit Ratio (FDR) for Return on Assets (ROA). The quantity t count is 0.475 far below the t table 2.032. The result of study differs from the study of Adi Stiawan (2009), but supports the study of Nurkhosidah Siti (2010) and Yuliani (2007). This study shows  no significant effect on bank profitability.

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