Garuda - Garba Rujukan Digital

Article Per Year (5 Year)

All

JES (Jurnal Ekonomi Syariah

jes
Website

Published by Universitas Islam Lamongan

ISSN : 25285610 EISSN : 25410431 DOI : http://dx.doi.org/10.30736/jes.v7i2

Core Subject : Economy,

Economics, Econometrics & Finance

The subject covers textual and fieldwork studies with various perspectives of Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic economic thoughts, Islamic human resource management, Islamic microfinance, Islamic development economics, Islamic monetary economics, Islamic fiscal economics, Islamic capital market.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 10 Documents

Search results for , issue "Vol 1, No 1 (2016): September" : 10 Documents clear

Syariah Governance Pada Perbankan Syariah Joko Hadi Purnomo
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Shariah governance is concatenation of two concepts, these are the concept of good corporate governance and shariah compliance. The governance of banks applies the principle of transparency, accountability, responsibility, professionalism and fairness whereas shariah compliance is the duty of Islamic bank to meet compliance with Islamic principles. The operation of Islamic banks must strictly adhere to the provisions of shariah. The application of shariah governance is the implementation of good corporate governance principles and shariah compliance. The implementation of shariah governance in Islamic banks relies on surveillance covering all research activities, observation and measurement on the course of operations, both internally and externally. Based on the above background, author makes formulations of the problem; (a) how is the implementation of Shariah governance in Islamic bank?; (b) How is the supervision of the application of Shariah governance in Islamic bank?. The purpose of this paper is to know the implementation of Shariah governance in Islamic banks and to know the supervision of the implementation of Shari'a governance in Islamic bank. The implementation of GCG in Islamic banking creates transparency to prevent fraud, conduct accountability with the system that controls the relationship between the organs of company, do responsibility, keep independence, and keep in touch with fairness. The application of sharia compliance at Islamic banks without riba in bank transactions, no vagueness (gharar) in bank transactions, there is no gambling (maisir) in bank transactions. Bank conducts business on the basis of allowed (halal) profits. Banks manage zakat, sadaqah, and infaq according to the shariah provisions. The implementation of sharia governance in Islamic banks relies on surveillance covering all research activities, observation and measurement on the course of the operation by using elements of the AGM, Board of Commissioner, Board of Auditor, Shariah Supervisory Board (DPS), Director of Compliance, Internal Audit, Internal Shari'a Reviewers of SKAI and external monitoring system consists of elements of the Financial Services Authority (OJK), Public Accountant, National Sharia Council (DSN) and Stakeholders.Keywords: Corporate, syariah, Governance

Perusahaan Modal Ventura Perspektif Ekonomi Syariah Dewi Kumalasari
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

In Indonesia, so many financial institutions that provide financing, either in the form of equity or in the form of loan. Financial institutions that provide financing in the form of loan, such as financial institutions of Islamic banks, require borrower to provide collateral and require financing prospective customer to attach financial statement of the business operated. The problem arises when the company that is going to start a business wants to apply for a loan to the Islamic bank, which new company has no the financial statements at all, even has no collateral required by the Islamic bank. Financing is one of the important things for companies that are just about to start a business, but it is difficult to obtain. Are there financial institutions, particularly the Islamic financial institutions that provide loan without requiring collateral or attach the financial statements of the business? A new company which is just opening a business, and have difficulties in getting funding, but still want to obey sharia principles, the right solution is a Sharia venture capital. On the one hand, the presence of sharia venture capital not only merely accommodates the interest of Muslims, but also emphasises on factors of advantage and benefit by providing financing help for economic activities, both small, medium, and large enterprises with the principles of sharia compliance. Venture capital is a form of the provision of capital to a company in the form of capital which, in this case, the company does not require collateral, like in Islamic banking. The company that wants to borrow from financial institutions, but do not want to earn or pay interest, as in conventional bank, the sharia venture capital sharia is the solution. Furthermore, to introduce and expand the knowledge of venture capital, especially sharia venture capital, this paper will discuss in one paper entitled sharia venture capital perspective on sharia economics. Keywords: Sharia economics, venture capital

Analisis Peran Negara Di Bidang Ekonomi Dalam Prespektif Sistem Kapitalisme, Sosialisme, Dan Ekonomi Islam Muhammad Kambali
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

The economic crisis that convolved the world economy a few years ago is the result of a series of government policies in the economic field. Starting from the Subprime Mortgage in America, the crisis eventually spreads across all sectors of the economy. As analysts say that the explosion of the current economic crisis is caused by the trend of low interest rates that are applied by the Fed. The trend of low interest rates will give rise to expectation of market to future economic situation. It is characterized by the overflow of capital expansion in all sectors, especially in property sector. Today, along with the growing mobility of capital from one country to another as part of unavoidable economic liberalization, mobility of capital, on the one hand, has spawned some of the imbalances in the life of a State. The powerlessness can not be separated from economic ideology and system on state role in the economy. Capitalism with its laissez faire brings the concept of state minimal role in the economy. In the empirical facts, it is broken by the crisis situation in 1930 and today's financial crisis. Socialism tends to carry the central role of the State in the economy through the centralistic planning system. The fall of the Soviet Union in the 1980s brought the world to a choice whether reconstructing capitalism or socialism as Fukuyama and Gidden said. On the other hand, as the new system, the economic system of Islam brings the concept of the role of the State in the economy on the basis of universal values of Islam, such as justice in the economy which is reflected in the mechanism of the prohibition of riba (usury), just income distribution and redistribution of income through zakat and social security. This article is an exposure of the State's role in the economy which is studied through the perspective of today’s economic system. The systems are capitalism, socialism, and Islam. The article not only explores conceptual framework, but also also contains an empirical framework mapping and how the conceptual framework is operated. At the end, from the two mapping (conceptual and empirical), author draws a reflection of how the State should play a role in the economic field. Keywords: Capitalism, Socialism, Islam, Economic Role of State

Hakikat Keharaman Riba Dalam Islam Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

There is a negative assumption that arises in community with regard to economic transactions. For example, the statement "interest" and "profit-sharing" is similar, it justifies something that has become a previous habit. Whereas after having studied and researched, the economic transactions is belongings to the category of riba (usury) and society is still reluctant to get used to something right, which has not yet become a tradition. So, it is impressed that Islam does not take care of worship that do not directly relate to Allah, as obligatory (mahdoh) worship in the pillars of Islam. The question arising then is why the statement emerged from the realm of Muslims who are still reluctant to attempt to transact transactions that should be appraised with shariah paradigm? How is the danger of riba, in the world and the Hereafter? Author wants to convey thoughtfulness and perception related to economic thought developing at this time. They merely legitimize the phenomenon of conventional economics by attaching ayat and hadits although there are also alternative thoughts of genuine Islamic Economics, so easy to get caught up in usurious practice. Therefore, author is inspired to invite readers to dare to unburden, examine, and study riba (usury) and the reason of prohibition in Islam. The existence of incompatibility of Islamic economic theory with the application of contemporary economics does not mean that Islamic economics is not applicable, but it motivates us to implant Islamic economics proportionally and objectively in life. In order to analyze the problems, in this article, author uses a combination of mindset based on reality with faith, then author draws conclusion on the nature of reality of transaction, by comparing reality with argument and opinion relating to" Does interest applied nowadays include riba and how is the danger of consuming usurious results?" Keyword: Riba, Interest, The danger of riba

Strategi Peningkatan Kinerja Badan Amil Zakat Daerah (BAZDA) Kabupaten Nganjuk (Studi Analisis dengan Metode Balanced Scorecard) Mukhamad Zakariya
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

To optimize the role of BAZDA, it requires good fund management strategy so as to create public confidence in disbursing the fund to Bazda rather than giving it directly to mustahik. Directly channeling is closer to the consumptive use that it somewhat obscures productive purposes. Author feel interested in doing research related to performance improvement strategy of BAZDA Nganjuk residence to the management of zakat, infaq, and sadaqah with Balanced Scorecard method. This study titled "Strategy for Performance Improvement of BAZDA Nganjuk Residence (Study Analysis of the Balanced Scorecard method) ". Type of research used in this paper is qualitative, that is research procedure that produces descriptive data in the form of written or spoken words’ people and behaviors that can be observed. The data used in this study can be divided into two. First, the primary data, that is in the form of interviews with a Nganjuk BAZ board, local government and muzakki. Second, Secondary Data, it is obtained through the financial statements of BAZDA Nganjuk and also from the literature books that support theory of research. The result of study shows; (a) on the basis of the financial perspective, there are still some potential areas of real that can not be absorbed optimally; (b) on the basis of business process perspective, realization of consumptive utilization of zakat is greater than the productive empowerment of zakat; (c) on the basis of customer perspective, when the process of zakat socialization is associated with the result of fund raising, and there are still some potency of zakat that is optimally untapped, it still requires an effort to socialize it more proactive; (d) on the basis of growth and learning, for progress institution of BAZDA Nganjuk, it requires reference sources, both internal and external agencies. Internal agency may be the agency's each period of performance report, while the external agency is from muzakki and mustahik. Keywords: Strategy, performance of BAZDA, balanced scorecard method

Perkembangan, Tantangan, Dan Peluang Bank Syariah M. Zainuddin Alanshori
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Financial institutions have not been known clearly in the history of Islam. But the principles of exchange and borrowing occur at the time of the Prophet, even earlier. It is undeniable that progress of economic development and trade has influenced the birth of institutions that play a role in financial traffic. History and development of finance and financial institutions from time to time is rapidly increasing, many changes and improvements from various sides. Both of the systems used, development of institution role and other. History has recorded it, ranging from ancient economic experts later developed further by his followers until the economic experts in modern times. Individuals have been carrying out banking functions at the time of the Prophet Muhammad even though these individuals did not conduct all banking functions. There is prophet’s friends who carry out the function of receiving deposits treasure, there are companions who carry out the functions of money borrowing, there is who performing the function of remittances, and some are providing working capital. Islamic banks are affected by five factors, both internal and external. The fifth factor is management, owner, customers, public, competitor, regulator, supervisor, and infrastructure. Manager and owner are required to have integrity and competence, adherence to Islamic principles, and compliance with precautionary principle. Customer or community with integrity, competence, and loyalty. Competitors or substitution consist of conventional banks and other financial institutions. Regulator, supervisor, and other bodies consist of BI, Licensing, Regulation and Supervision, National Shariah Board (DSN); fatwa on business activities from Shariah Supervisor Board (DPS), IAI, IAS, PAPSI, Audit Guidelines, the Arbitration Board and others, and infrastructure that consists of macro-economic conditions, the real , monetary , fiscal and foreign sector. Keywords: Development of Islamic bank, Challenge, Opportunity

Ramalan Timur Kuran Tentang Masa Depan Ekonomi Islam: Sebuah Respons Ahmad Ubaidillah
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Many fundamentalist religious movements have economic agenda. The movements emerge to reconstruct the economic system in accordance with the provisions of their respective religions. Therefore, we often hear Christian economics, Buddhist Socialism, Hindu economics, or Islamic economics. The main agenda of economic fundamentalist movements look different from conventional economics (Capitalism and Socialism). Every economic agenda that they propose has different philosophical characteristics and heritage and unique discourse. In this paper, author tries to elaborate Timur Kuran’s ideas, a pioneer of the school of critical alternatives in the tradition of Islamic economic thought, on future of Islamic economics Islam which is considered a manifestation of the economic doctrine of the fundamentalist Islamic group. Why is the future of Islamic economics addressed pessimistic by Kuran and what offer is given by Kuran to give response to Islamism’s Islamic economics are some questions that will be answered in the following discussion. In this study, the writer also will respond Kuran’s predictions about the future of the Islamic economics. The analytical method used in this study is taxonomic analysis, which is not only a general analysis, but also a specific domain that is very useful to describe the phenomenon or problem that is to be the target of the research. In this analysis, the domains are selected to be studied in depth is the focus of study that needs to be tracked each other's internal structures in more detail and depth. Overall, this technique uses "approach of non-contrasts between elements". This technique begins by focusing on specific domains, then dividing the domain into sub- domains as well the more specific and detailed parts. The results of research shows that the economic reforms in the name of Islam today is a myth, and could not survive in the long term. Islam will lose power and sonorous sound of the economic policy. Islam will be abandoned, and humans will switch to the source of moral ideals and the other spiritual. Keywords: Radical Islamic Group, The future of Islamism’s, Islamic economic doctrine

Pengembangan Sumber Daya Insani Di Lembaga Keuangan Islam Mohammad Afif
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

Islamic financial institutions began to flourish in Indonesia. Naturally there is a demand for creating human resources with good morality and professional in carrying out its duty, mission and vision. Talking about human resources, in fact, we can see from two aspects, namely the quantity and quality. Islamic financial institution requires two aspects. Islamic financial institutions will exist when supported by adequate human resources for the development, which is actually Indonesian with the biggest Muslim country of in the world, so that the market share for Islamic financial Institution is very potential. Therefore, it is ironic if the Islamic financial institution can not flourish in Indonesia. It is necessary for strategic steps in the establishment of the Islamic financial Institutions. Thus, Islamic character of this vision is a solution that is a manifestation of human nature as a creature of Allah, who is in every movement and steps always use the rules set by Allah. The occurrence of fraud by operators of Islamic financial institutions because he is out of the nature of faith and choose the wrong path. So it is important for a leader being model, to pay attention, oversee, audit and punish managers who disapprove his nature, both in financial terms and non financial problems. Founder, trustees, managers may commit violation because of unlimited power, due to excessive power. Excessive confidence sometimes opens human opportunities to get out of the nature of faith. This article will try to explain the development of human resources in Islamic financial institutions, which includes the importance of human resources planning, the principles of employees planning in Islamic financial institutions, the process of human resources planning in Islamic financial institutions, the values of recruitment, the stages of recruitment, the technique of potential seeking in recruitment, and so forth. Keywords: Islamic financial institution, Human resources

Nilai Waktu Dari Uang Dalam Perspektif Ekonomi Islam Misbahul Khoir
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

The time value of money is associated with the current value and future value because the money received now is more worth than the money received in the future. However, is the concept of time value of money is appropriate and justified by the Shari'ah? The time value of money is a concept that says that the money of the one rupiah that can be received today is more worth than one rupiah which will be received in the future time. The concept of time value of money is needed by financial managers in making decision when will invest in an asset and determine the source of loan funds that will be chosen. Methods for the time value of money pervade; a) the method of average rate of return. This method measures the level of profit gained by an investment. The disadvantage of this method is ignoring the time value of money; b) the payback period method. The method measures how fast the investment return is, the sooner the better; c) method of net present value (NPV). This method calculates quarrel between the current value of investment and the present value of net cash receipts in the future and calculates quarrel between the present value of cash outflow (investment) and cash inflow (income) per year; d) profitability index method (PI). This method calculates ratio between the present value of net cash receipts in the future and the present value of the investment; and e) the methods of internal rate of return (IRR). If IRR > saving or profit required → decent. Islam views money as a flow concept. Money must rotate in an economy and may not be idle for too long time. Moreover, it lets for years. Islam does not recognize the method of time value of money because this method adds value to money solely with increasing time and not effort. Islam actually knows the money value of time; that is the time has economic value as well as the money value of money. Imam Nawawi provides definition related to value addition for money based solely on the value of time is the category of riba. Keywords: Time value of money, Islamic economics

Konsep Distribusi Pendapatan Dalam Islam Moh. Ah. Subhan ZA
JES (Jurnal Ekonomi Syariah) Vol 1, No 1 (2016): September
Publisher : Universitas Islam Lamongan

The main problem of social life in the community is about how to make the allocation and distribution of income well. Inequality and poverty basically arise not because of the difference of anyone’s strength and weakness in getting livelihood, but because of inappropriate distribution mechanism. With the result that wealth treasure just turns on the rich wealthy, which is in turn, results in the rich get richer and the poor get poorer.Therefore, a discussion on distribution becomes main focus of theory of Islamic economics. Moreover, the discussion of the distribution is not only related to economic issues, but also social and political aspects. On the other side, the economic vision of Islam gives priority to the guarantee of the fulfillment of a better life. Islam emphasizes distributive justice and encloses, in its system, a program for the redistribution of wealth and prosperity, so that each individual is guaranteed with a respectable and friendly standard of living. Islam recognizes private property rights, but the private property rights must be properly distributed. The personal property is used for self and family livelihood, for investment of the working capital, so that it can provide job opportunities for others, for help of the others through zakat, infaq, and shodaqoh. In this way, the wealth not only rotates on the rich, bringing on gap in social life.The problem of wealth distribution is closely related to the welfare of society. Therefore, the state has a duty to regulate the distribution of income in order that the distribution can be fair and reaches appropriate target. The state could at least attempt it by optimizing the role of BAZ (Badan Amil Zakat) and LAZ (Lembaga Amil Zakat) which has all this time been slack. If BAZ and LAZ can be optimized, author believes that inequality and poverty over time will vanish. This is because the majority of Indonesia's population is Muslim. Keywords: distribution of income, State’ role, Islamic economics

Page 1 of 1 | Total Record : 10

Filter by Year

2016 2016

Filter By Issues

All Issue Vol 8, No 2 (2023): September Vol 8, No 1 (2023): Maret Vol 7, No 2 (2022): September Vol 7, No 1 (2022): Maret Vol 6, No 2 (2021): September Vol 6, No 1 (2021): Maret Vol 5, No 2 (2020): September Vol 5, No 1 (2020): Maret Vol 4, No 2 (2019): September Vol 4, No 1 (2019): Maret Vol 3, No 2 (2018): September Vol 3, No 1 (2018): Maret Vol 2, No 2 (2017): September Vol 2, No 1 (2017): Maret Vol 1, No 1 (2016): September More Issue

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name
Khozainul Ulum

Contact Email
jesunisla@gmail.com

Phone
+6282244470719

Journal Mail Official
jesunisla@gmail.com

Editorial Address
Jl. Veteran 53A Lamongan

Location
Kab. lamongan,

Jawa timur

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Khozainul Ulum

Contact Email jesunisla@gmail.com

Phone +6282244470719

Journal Mail Official jesunisla@gmail.com

Editorial Address Jl. Veteran 53A Lamongan

Location Kab. lamongan, Jawa timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Khozainul Ulum

Contact Email
jesunisla@gmail.com

Phone
+6282244470719

Journal Mail Official
jesunisla@gmail.com

Editorial Address
Jl. Veteran 53A Lamongan

Location
Kab. lamongan,

Jawa timur

INDONESIA