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Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
ISSN : 20877013     EISSN : 25278304     DOI : -
Core Subject : Economy,
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah (Muqtasid), with registered number ISSN 2087-7013 (Print) and ISSN 2527-8304 (Online), is a peer-reviewed journal published two times a year (January-June, and July-December) by Faculty of Islamic Economics and Business, IAIN Salatiga. Muqtasid is intended to be the journal for publishing articles reporting the results of research on Islamic Economics and Banking.
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Articles 175 Documents
REKONSTRUKSI TEORI CONSUMER EQUILIBRIUM PERSPEKTIF EKONOMI ISLAM Mochlasin Mochlasin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (548.446 KB) | DOI: 10.18326/muqtasid.v4i1.107-129

Abstract

Keseimbangan menjadi prinsip penting dalam ajaran Islam yang kemudian dapatdikembangkan menjadi dasar rancang bangun ekonomi Islam. Untuk menjelaskan konsep keseimbangan konsumen yang bersumber dalam al­Qur’an, tulisan ini akan menggunakan pendekatan integral (unitied approuch) yang digagas oleh Muhammad Anas Zarqa terutama dari tulisannya, Islamiation of Economics: The Concept and Metodology. Metode ini dibangun di atas asumsi, bahwa sebagian teori ekonomi dan wahyu dapat saling memperkuat dan men dukung. Kata qawam yang terdapat dalam surat al-Furqan ayat 67 menjadi kata kunci dalam tulisan ini untuk membangun teori tentang consumer equilibrium (keseimbangan konsumen) dalam ekonomi Islam sebagaimana telah jamak dikenal dalam ekonomi konvensional. Konsep consumer equilibrium dalam ekonomi konvensional yang digambarkan dengan budget line dan kurva indeferen, dapat digunakan untuk menggambarkan maksud surat al-Furqan ayat 67. Namun demikian, karena terdapat prinsip-prinsip dasar yang berbeda seperti konsep tentang kebutuhan dan pertimbangan maslahah, maka budget line dan kurva indeferen tidak secara otomatis dapat menjelaskan maksud suatu ayat yang mengandung muatan ekonomi 
Pengaruh Sharia Marketing terhadap Loyalitas Anggota KSPPS BMT Walisongo Semarang Nurudin Nurudin
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (394.128 KB) | DOI: 10.18326/muqtasid.v8i1.28-41

Abstract

Islamic business has always been held based on the principle of justice and equilibrium. Remembering that business now is very competitive, many financial institutions in doing their marketing activities deviate from sharia principles only to meet the needs, desires and to satisfy customers so that they do not moveto other places to get a lot of profit. The development of number of members in KSPPS BMT Walisongo Semarang experienced an increase in deposit products and decline in financing products in 2016.The formulation of the problem in this research is how the influence of sharia marketing (product, price, place, promotion) toward the loyalty of members of KSPPS BMT Walisongo Semarang. The purpose of this research is to know the influence of sharia marketing (product, price, place, and promotion) toward the loyalty of KSPPS BMT Walisongo Semarang.This research is a field research with quantitative approach. The population of this research is all members of KSPPS BMT Walisongo Semarang which is amounted 2,469. Sampling technique used in this research is Slovin formula amounted 100 people who will be selected to be respondents with certain criteria. The method used in this research is purposive sampling. The technique of analyzing the data is simple regression.From the simultaneous calculation results obtained t count is equal to (6,558) and p value (sig) is equal to 0.000 below 5% which means that there is significant influence between sharia marketing (product, price, place, promotion) toward member loyalty. The four dimensions of sharia marketing have a positive and significant influence on member loyalty. But in this study, products have a significant influence on loyalty members.Bisnis Islami pada hakikatnya selalu memegang asas keadilan dan eseimbangan. Mengingat semakin ketatnya persaingan bisnis sekarang ini, banyak lembaga keuangan dalam melakukan kegiatan pemasarannya menyimpang dari prinsip syariah hanya untuk memenuhi kebutuhan, keinginan dan memuaskan pelanggan agar mereka tidak beralih ke tempat lain serta untuk mendapatkan keuntungan yang banyak. Perkembangan jumlah anggota di KSPPS BMT Walisongo Semarang mengalami peningkatan pada produk simpanan dan mengalami penurunan pada produk pembiayaan pada tahun 2016. Rumusan masalah dalam penelitian ini adalah bagaimana pengaruh sharia marketing (produk, harga, tempat, promosi) terhadap loyalitas anggota KSPPS BMT Walisongo Semarang.Tujuan dalam penelitian ini adalah untuk mengetahui pengaruh sharia marketing (produk, harga, tempat, promosi) terhadap loyalitas anggota KSPPS BMT Walisongo Semarang. Penelitian ini merupakan penelitian lapangan dengan pendekatan kuantitatif. Populasi penelitian ini adalah seluruh anggota KSPPS BMT Walisongo Semarang yang berjumlah 2.469. Pengambilan sampel dengan menggunakan rumus Slovin berjumlah 100 orang dengan didukung penelitian terhadap anggota yang akan dipilih menjadi responden dengan kriteria-kriteria tertentu. Metode dalam penelitian ini adalah purposive sampling.Teknik analisa yang digunakan adalah regresi sederhana. Dari hasil perhitungan secara simultan diperoleh t hitung sebesar (6,558) dan p value (sig) sebesar 0,000 dibawah 5% yang berarti ada pengaruh yang signifikan antara sharia marketing (produk, harga, tempat, promosi) terhadap loyalitas anggota. Keempat dimensi dalam sharia marketing sama-sama memiliki pengaruh yang positif dan signifikan terhadap loyalitas anggota. Namun dalam penelitian ini produk yang lebih memiliki pengaruh yang besar terhadap loyalitas anggota.  
Distribusi dalam Sistem Ekonomi Islam Madnasir Madnasir
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (61.346 KB) | DOI: 10.18326/muqtasid.v2i1.57-71

Abstract

Distribution of economic activity in a government are very important. This is because the distribution itself became an objective of fiscal policy in a government with a form of taxation (taxes are both individual and corporate taxes). When talking about economic activity in the distribution, of course, will talk about the concept of “economy” that “offered” by the Islamic. Looking at how Islam introduced the concept of equitable distribution of wealth of the country through the distribution, which is certainly not independent of the state revenue the teachings of Islamic Shariah, such as waris, sadaqah, zakat and waqf.
Analisis Aplikasi Akad Tabarru’ dalam Asuransi Syariah: Studi Kasus pada AJB Bumiputera 1912 Syariah Cabang Kudus M. Arif Hakim
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (70.48 KB) | DOI: 10.18326/muqtasid.v3i2.231-249

Abstract

The purpose of this research is to (1) know of products of Islamic insurance at AJB Bumiputera 1912 Syariah Cabang Kudus; (2) know how procedure and mechanism of application of akad tabarru’ in Islamic insurance at AJBBumiputera 1912 Syariah Cabang Kudus; (3) analyse the application of akadtabarru’ in Islamic insurance at AJB Bumiputera 1912 Syariah CabangKudus.This research including field research with qualitative approach. Dataanalysis using descriptive analysis.Result of this research indicate that (1)products at AJB Bumiputera 1912 Syariah Cabang Kudus are products withsaving system; individual insurance (Mitra Sakinah, Mitra Mabrur and MitraIqra’) and group insurance; (2) in executing daily activity of AJB Bumiputera1912 Syariah Cabang Kudus, premium which step into the company groupedto become the Tabarru’ (benefaction fund), Premium of Saving and Premiumof Cost; (3) application of Akad tabarru’ at AJB Bumiputera 1912 SyariahCabang Kudus as according to religious advices of Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) No. 21/DSN-MUI/X/2001 about common guidance of islamic insurance expressed that akad tabarru’ is all form akad done with benefaction purpose and help mutually, not for the commercial purpose
Pendekatan Tafsir Produk Perbankan Syariah Abdul Mujib
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (162.928 KB) | DOI: 10.18326/muqtasid.v6i1.41-57

Abstract

As a financial intermediary institution, Islamic banks offer several productsin the form of funding, financing, and other services. The product as regulatedin Law No. 21 of 2008 concerning Islamic Bank. Products, as mentioned above, refer to the results of the Fatwa issued by National Shariah Council of MUI. Fatwa is commonly used in the implementation of funding and financing namely DSN-MUI No. 1/DSNMUI/IV/2000 about Giro, DSN-MUI No. 2/DSN-MUI/IV/2000 about Saving, DSN-MUI No. 3/DSN-MUI/IV/2000 about Deposit, dan DSN-MUI No. 7/DSN-MUI/IV/2000 about Mudharabah Financing.Produk perbankan syari’ah sebagaimana yang tersebut di atas diatur dalamUU No 21 Tahun 2008 merupakan penjabaran dari konsep dasar syari’atIslam yang dilakukan oleh Dewan Syari’ah Nasional (DSN) MUI melaluifatwanya, baik yang merujuk langsung kepada al-Qur’an dan hadis maupunpada literatur hukum Islam (fiqh). Secara spesifik tulisan ini bertujuan untuk memberikan gambaran terkait dengan penetapan produk perbankan syari’ah di Indonesia. Selanjutnya mendiskripsikan karakteristik dari pola tafsir dalam pembangunan produk perbankan syari’ah. Tafsir yang telah dilakukan oleh lembaga-lembaga keuangan atas Fatwa DSN-MUI selama ini adalah mengacu pada dua pola besar yaitu; Akomodatif dan Asimilatif. Agar produk syariah tidak identik dengan produk-produk perbankan konvensional, maka tafsir yang dilakukan pada tingkat pertama harus merujuk langsung kepada sumber ajaran Islam dan kenyataan perkembangan bisnis keuangan dan perbankan.
Model Pengembangan Industri Halal Food di Indonesia Faqiatul Mariya Waharini; Anissa Hakim Purwantini
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (487.894 KB) | DOI: 10.18326/muqtasid.v9i1.1-13

Abstract

AbstractThe development of the halal industry will become more competitive with the involvement of the financial industry and sharia banking sectors. This study aims to explore the role of sharia banking in the development of halal food industry in Indonesia. The research method used is descriptive qualitative method with literature review. Based on the results of the analysis, it can be concluded that the role of sharia banking is not only limited to shariah-based financing which is riba (interest), maysir (uncertainty), and gharar (gambling), but also at all stages of production process (halal value chain management). Sharia banks play important role that can use to develop and improve the halal food industry. First on the halal control stage, the second on the logistics process and the last stage of halal verification.AbstrakPengembangan industri halal akan menjadi lebih kompetitif dengan keterlibatan dari sektor industri keuangan dan perbankan syariah. Penelitian ini bertujuan untuk mengeksplorasi peran perbankan syariah dalam pengembangan industri makanan halal di Indonesia. Metode penelitian yang digunakan adalah metode kualitatif deskriptif dengan telaah literatur. Berdasarkan hasil analisis, dapat disimpulkan bahwa peran perbankan syariah tidak hanya terbatas pada pembiayaan berbasis syariah yang bebas riba (bunga), maysir (ketidakpastian), dan gharar (perjudian). Akan tetapi juga pada seluruh tahapan proses produksi (halal value chain management). Peran penting yang dapat dilakukan perbankan syariah guna mengembangkan dan meningkatkan industri makanan halal, diantaranya dalam tiga proses halal integrity. Pertama pada tahap pengendalian halal, kedua pada proses logistik dan terkahir tahap halal verification.
Perniagaan Online Syariah: Suatu Kajian dalam Perspektif Hukum Perikatan Islam Suhartono - Suhartono
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (83.813 KB) | DOI: 10.18326/muqtasid.v1i2.259-277

Abstract

Along the vast development in information technology, it creates a new variant in business relation, that once was primarily physical with papers as the transaction mechanism tools, shifts into a more virtual relationship pattern using digital media or well known as electronic commerce (ecommerce). There has been a transformation in the jurisdictional review towards agreement forms, from the conventional trading using textual document with “tinta basah” and physical contact in a real space, into a digital model where all the documents are made in a cyber space.This transaction model provides several benefits within its operational, nevertheless its presence also emerges new complex legal problems regarding the legality of a contract or an agreement, especially in the Islamic law perspective. Does an Islamic bonding law also accommodate this ecommerce transaction model?
Pengaruh Kualitas Pelayanan dan Periklanan terhadap Keputusan Nasabah dalam Menabung pada Bank Syariah (Studi Kasus pada BTN Syariah Surakarta) Helmi Haris; Nur Said Irham T
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (919.105 KB) | DOI: 10.18326/muqtasid.v3i1.1-24

Abstract

This research aims to analyze the influence of service quality and advertisingpartially and simultaneously against the costumer decisions in saving money at Bank Tabungan Negara (BTN) Syariah Surakarta. The population in this research are the total number of clients who save in Bank Tabungan Negara (BTN) Sharia Surakarta and using the Accidental Sampling as the method in sampling (numbers of sample are 98 respondent). The analysis tool that used in this research is “multiple linear regression”, which previously tested the validity and realibility as well as the classic assumption test. Based on the partial testing, both of service quality and advertising have significant influence positively with the level of á = 5% (0,05). The simultaneous test showed that the influence of service quality and advertising is significant with calculate F value 29.629 and the value of F table is 3.09
Analisis Tingkat Kesehatan KSPS BMT Rama Tahun 2010 Berdasarkan Metode CAMEL (Capital, Assets, Management, Efficiency, Liquidity) Zulfa Saiban
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 2 (2011): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (761.811 KB) | DOI: 10.18326/muqtasid.v2i2.305-324

Abstract

Health financial institution is institution that can keep their credibility in society perspective, government, and also their costumer. Health financial institution mean that those was hold operational and management based on regulation/law and manage profesional. Health level appraisal of institution is appraisal on institution/cooperation ability to holding operational activities based on regulation. Health level appraisal can used as a measurement for management to appraise their operational activities. Further more, health level appraisal can used to evaluate management and to determinite the direction of developing institution. Externally, health level appraisal can affect to loyality of the customer to their cooperation. Ordinary, health level appraisal do to financial institioun such as bank/BPR which based on the CAMEL, this analysys include capital, asset, management, efficiency, and likuidity. Especially to non-bank financial institution like cooperation add two component : growth and cooperation identity.
Good Corporate Governance dan Manajemen Keuangan dalam Ekonomi Syariah Syafrudin Arif marah Manunggal
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (440.055 KB) | DOI: 10.18326/muqtasid.v4i2.199-222

Abstract

The Good Corporate Governance (GCG) facing challenges to Islamic banks nowadays not only in Indonesia but also in the entire world. GCG is necessary to the Islamic banks due to significance of the stakeholders trust towards Islamic banks its self. But in practice, the GCG could serve as an obligatory and formal instrument for delivering transparant public financial reports of the Islamic banks. In avoiding its shortage of application, Islamic finance management gives guide for encountering the formalistic condition of the GCG of the Islamic banks. For the GCG and the Islamic financial management both are very important, this paper discusses a likely convergence between both principle. Finally, the GCG has to be applied by guiding the Islamic financial management. The Islamic financial management is something to do with weather the religious normative assumptions and social economic ones.

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