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JES (Jurnal Ekonomi Syariah

jes
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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 8 Documents

Search results for , issue "Vol 4, No 2 (2019): September" : 8 Documents clear

Analisis Faktor Yang Mempengaruhi Besarnya Profitabilitas Pada Bank Umum Syariah Di Indonesia Periode Januari 2017-Desember 2018 Mukhamad Zakariya
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

The emergence of new Islamic banks creates healthy competition among Islamic banks both in terms of improving services, as well as improving the performance of the banks themselves. As one of the institutions that has an important role in the country's economy, banking regulators need to conduct controlled and comprehensive performance monitoring to improve the performance of Islamic banking so that the bank remains healthy and efficient. Profitability is the most important indicator to measure the performance of a bank. Return on assets (ROA) focuses on the company's ability to earn earnings in the company's operations by utilizing its assets. The purpose of this study is to analyze the influence of the non performing financing factor (NPF), the ratio of operating costs to operating income (BOPO), and financing to deposit ratio (FDR) on profitability in Islamic banking in Indonesia as measured by return on assets. The analytical method used in this study is multiple linear regression. The results of this study indicate that the simultaneous non performing financing (NPF), the ratio of operating costs to operating income (BOPO), and financing to deposit ratio (FDR) affect the return on assets on Islamic banking in Indonesia, while partially non performing financing (NPF) has no effect. The ratio of operating costs to operating income (BOPO) has a negative effect, and financing to deposit ratio (FDR) has a positive effect on profitability in Islamic banking in Indonesia as measured by return on assets. Keywords: Profitability, Non performing financing factor, The ratio of operating costs to operating income, Financing to deposit ratio

Permintaan, Penawaran Dan Keseimbangan Harga Dalam Prespektif Ekonomi Mikro Islam M. Dliyaul Muflihin
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

In general, we believe that humans are social creatures with the need to complement each other’s lives, with each other's unlimited desires. While a Muslim is only allowed to consume halal and good. In Islamic teachings, illicit goods for consumption are not allowed to be made the basis of buying and selling or other transactions. In the demand and supply curves of Islam there are restrictions that must be done as a Muslim which is used as a basis for economic behavior. These restrictions are prohibited from making mafsadah, gharat, maisir, usury. This paper will answer the question how is the demand, supply and price balance in the perspective of Islamic microeconomics. The results of research shows that the concept of demand and supply in Islamic Islam aims to obtain prosperity or victory in the hereafter (falah) as a derivation of the belief that there is an eternal life after death, namely the after life, so that the existing budget must be set aside as provisions for the afterlife, such as alms and zakat. This means that there is a significant difference between conventional demand theory and Islamic demand theory. In conventional economics, consumers and producers have motivations that are dominated by the values of satisfaction, but in Islamic economics emphasizes only the level of need. The Islamic price balance mechanism in Islam is determined by the balance between demand and supply. This means that the price balance in the market is formed naturally, not because there is interference from the capitalist who can distort the market. This shows that the price regulation is left to the natural impersonal market mechanism. Keywords: Demand, Supply, Islamic perspective

Analisis Efisiensi Kinerja Lembaga Amil Zakat Di Indonesia Ayief Fathurrahman; Ibnu Hajar
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

In the span of 74 years of Indonesia's independence, poverty, unemployment and social inequality remain major problems in national development. The Central Statistics Agency (BPS) recorded that as of March 2018, the number of poor people in Indonesia reached 25.95 million people or 9.82 percent of the total population of Indonesia. Seeing the problems that are so complex, it should be to pay attention to one solution in Islam to be able to prosper the community. Islam as rahmatan li al-‘a>lami>n has a solution through zakat, infaq and alms (ZIS) instruments. Zakat is one of the pillars of Islam consisting of shaha>dah, prayer, zakat, fasting and pilgrimage for those who are able. This study aims to analyze the level of efficiency of zakat management institutions in Indonesia in the period 2012-2016. The subjects in this study were the national zakat management organization with a purposive sampling technique. Of the 19 OPZs listed in the Ministry of Finance, two OPZs are chosen, namely the Rumah Zakat and Dompet Dhuafa. Data collection techniques use documentation techniques. The object examined is the financial statements for the period 2012-2016. The method used is Data Envelopment Analysis (DEA) with the production approach, input-output orientation and CRS assumptions. The results of this study show relative efficiency. National zakat management organization namely Rumah Zakat with a production approach, input-output orientation and CRS assumptions have Efficiency with 100% annual score. In the production approach, input-output orientation and the assumption of CRS Dompet Dhuafa have been Efficient in the first 3 years, namely in 2012, 2013 and 2014. However, in 2015 there was efficiency with an efficiency score of 78.71% and in 2016 it was 64.33%. Inefficiency occurs in the variable total assets, costs of socialization, collection and distribution of zakat.Keywords: data envelopment analysis, efficiency, production approach, zakat management agency

ANALISIS STRATEGI PENGAWASAN PENGGUNAAN PEMBIAYAAN MODAL KERJA AKAD MUDLARABAH PADA NASABAH BMT BINA UMMAT SEJAHTERA CABANG BABAT LAMONGAN Anggie Windya Eka Putri; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

The outlay of financial capital is one kind of financial budgetings used to support the investment and development of business. It also can be used by entrepreneurs to expand their enterprises and even those who intend to start running their business. In BMT Bina Ummat Sejahtera (BUS) branch of Babat Lamongan, the outlay of job financial capital applies the contract of mudlarabah. The process of applying the contract of mudarabah, however, appears certain risk and side effect toward the members of BMT BUS branch of Babat Lamongan when the outlay is given. So, BMT BUS branch of Babat Lamongan is doing supervision and control during the process. This research aims at revealing the strategies used to supervise the application process of the outlay of job financial capital using contract mudlarabah for members of BMT BUS branch of Babat Lamongan and how the strategies of analysis control applied to analyse the application process of the outlay of job financial capital using contract mudlarabah for members of BMT BUS branch of Babat Lamongan. This research is a qualitative research. The data collection is conducted by doing interview, observation and documentation. The data analysis method used is descriptive analysis. The research findings reveal that control strategy of the use of outlay of job financial capital using contract mudlarabah in BMT BUS branch of Babat Lamongan uses two controls. They are direct and indirect control. The direct control applies the preventive and repressive control strategy. Whereas the indirect control applied to supervise and observe the installment report of members’ payment and the cash flow of the members while running their business. The strategy of analysis control to supervise the use of outlay of job financial capital using contract mudlarabah implemented in BMT BUS branch of Babat Lamongan is good enough. Keywords: Controlling, Outlay of job capital and Contract mudlarabah

Implementasi Pendayagunaan Zakat Produktif Terhadap Pemberdayaan Mustahiq Pada Badan Amil Zakat Nasional (BAZNAS) Kabupaten Lumajang Indra Hidayatullah
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

Zakat can be utilized for productive efforts in the context of handling the poor and improving the quality of the people. Along with Allah’s commands to Muslims to pay zakat, zakat is one of the pillars of Islam which is not only of a vertical dimension, but also horizontal aspect. Zakat is an important worship in anticipating social inequality in its implementation. It is still largely traditional and does not pay attention to the welfare of the people, in fact the development of muslims is the majority population of this nation and it has a huge potential to be used as a source of funds from zakat. The result of research shows that utilization of productive zakat in the National Amil Zakat Agency (BAZNAS) of Lumajang Regency is to make people stand alone so that they can improve their standard of living and so as not to always depend on zakat funds. Mustah}iq empowerment in the National Amil Zakat Agency (BAZNAS) Lumajang Regency is by running a productive zakat system for business capital assistance for the mustah}iq and consumptive zakat system. Utilization of productive zakat funds is one of the processes carried out by the Lumajang National Amil Zakat Board (BAZNAS) to make the mustah}iq be independent so that they can improve their standard of living and become muzakki> as has become the vision of the National Amil Zakat Agency (BAZNAS) Regency Lumajang. The form of zakat fund utilization towards mustah}iq empowerment at the National Amil Zakat Board (BAZNAS) of Lumajang Regency is divided into two empowerments, namely consumptive and productive empowerment. Consumptive empowerment is the provision of funds that can be directly consumed by mustah}iq. While productive is the provision of capital in increasing business. Both in the form of funds and gifts in the form of work tools. The most effective thing in empowering the mustah}iq is empowering by using productive zakat funds which have benefited a lot of mustah}iq. Empowerment of zakat funds in relation is to convey part of the assets owned to a group called eight asnaf, namely the poor, poor, ‘a>mil or administrators of zakat, muallaf, riqa>b (slaves), gha>rimi>n, fi> sabi>lilla>h and Ibn Sabi>l. Keywords: Implementation, Utilization, Productive zakat, Mustah}iq

ANALISIS PENERAPAN TA’ZIR PADA PEMBIAYAAN MURABAHAH DI BPR SYARIAH MADINAH LAMONGAN Salkan Salkan; Dwi Aprilianto
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

The process of transferring or distributing the fund to the customers, or what so called as the outlay needs such a definite contract to apply in the process of job capital budgeting. In BPR Syariah Madinah Lamongan, the contract applied is the contract of mura>bah}ah. It means that the selling prize of goods is as the same as its main prize added with the compromised profit. It is definitely necessary to observe the expediency of the candidates before transaction while deciding to give the outlay using mura>bah}ah contract, in order to avoid such a certain risks that could fatally affect the bank’s financial loss. Some of the risks emerged because of default. It frequently happens since the debitor or customer is careless to pay the obligation on time.It is certainly contradictory to the Islamic law that intensely protects the interest of both the bank and the customer doing the transaction. So that both sides don’t suffer any loss. Those careless customers should get the proper fine or ta’zi>r. Hence, in this research, the application of ta’zi>r toward the job capital outlay using mura>bah}ah contract in BPR Syariah Madinah Lamongan will be thoroughly analysed through descriptive analysis method. The data collection of this qualitative research is conducted by doing interview, observation and documentation. The research findings reveal that the job capital outlay using mura>bah}ah contract in BPR Syariah Madinah Lamongan needs more serious attention and handling. The process is actually not quite fluent, therefore ta’zi>r needs to be implemented. Whereas the nominal amount of ta’zi>r is already in proper with the customer’s loan stated in the contract. There is only a small number of the customers who get dispensation when being late handing the payment. They are the customers who are really incapable to hand the payment or in force majeure condition. The nominal amount of ta’zi>r then distributed to social fund, such as scholarship, road and bridge construction, etc. Keywords: Implementation of ta’zi>r, The outlay of mura>bah}ah

Etika Bisnis Islam Dan Kelangsungan Usaha Aqiqah Service Centre (ASC) Di Gresik Misbahul Khoir; Moh. Ah. Subhan ZA
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

The idea of this research comes from the experience of researchers who, since married two years ago, is faced with a family environment that grows up and carries on their lives for generations through Aqiqah businesses service. The Aqiqah Service Center (ASC) is the first and oldest aqiqah service center in Gresik because it has been more than 50 years and has contributed to the formation of an Islamic generation by serving, assisting, and facilitating the intentions of Muslim parents in the city of students in Gresik and its surroundings in making goats goat for their children. The research will answer two questions: (1) What is the difference between Islamic business ethics and non-Islamic business ethics, and (2) How is the urgency of Islamic business ethics in the business continuity of the Aqiqah Service Center (ASC) in Gresik? This study is a qualitative-descriptive study with the aim of understanding the phenomena experienced by the subject of research including behavior, perception, motivation, and action holistically by utilizing various scientific methods. Data collection methods include; observation, in-depth interview or focus group discussion, and documentation. Data analysis techniques include: processing and preparing data for analysis, reading the entire data, analyzing in more detail by coding data, considering detailed instructions that can help the coding process, giving descriptions that will be presented in the report, interpreting and interpreting data. The result of research shows that The difference between islamic business ethics and conventional is in terms of; sources, motives, paradigms, foundations and basic foundations. The business of the ASC (Aqiqah Service Center) UD. H. M. Arba'i in Gresik, besides looking for qi>mah ma>diyyah (material value), but also must be able to obtain and give two other orientations, namely qi>mah khulu>qiyyah and qi>mah ru>h}iyyah. Qi>mah khulu>qiyyah is a noble moral value which becomes a necessity that arises in business activities, so as to create an Islamic fraternity, between business managers and employees, as well as between sellers and buyers. Qi>mah ru>h}iyyah means, the business act is intended to get closer to Allah SWT. In other words, when carrying out a business activity, it must be accompanied by an awareness of the relationship with God. This is what is meant, that every Muslim act is worship. Charity worship is material, while awareness of the relationship with God when doing business is called the spirit. Keywords: Islamic business ethics, Aqiqah Service Centre

Pengaruh Faktor Internal Dan Eksternal Terhadap Nilai Pembiayaan Murabahah Pada Perbankan Syariah Di Indonesia Periode Januari 2015-Juli 2018 Bhaswarendra Guntur Hendratri
JES (Jurnal Ekonomi Syariah) Vol 4, No 2 (2019): September
Publisher : Universitas Islam Lamongan

Bank of Sharia is a bank that in its activities, both raising funds and in the context of channeling funds, provides and imposes compensation in accordance with Islamic law. Its activities does not charge interest, or does not pay interest to customers. Rewards received by Islamic banks, as well as those paid by customers depend on the contract and agreement between the customer and the bank. Related to the transaction contract practiced by Islamic banking. The mura>bah}ah contract is the contract that is most sought by the public. This contract dominates other contracts such as musha>rakah, mud}a>rabah, salam, istis}na>’, qard} and ija>rah. The purpose of this study is to analyze the influence of internal and external factors of Islamic banking, namely third party funds (DPK), capital adequecy ratio (CAR), number of sharia bank offices, equivalent rate (ER), and inflation on the amount of mura>bah}ah financing in Islamic banking in Indonesia. The analytical method used in this study is multiple linear regression. The results of this study indicate that third party funds (DPK), capital adequecy ratio (CAR), number of sharia bank offices, equivalent rate (ER), and inflation together have a positive effect on the value of mura>bah}ah financin. Partially, third party funds (DPK) have an influence positive towards mura>bah}ah financing. While the number of sharia bank offices and equivalent rate (ER) has a negative effect on mura>bah}ah financing. Then, capital adequecy ratio (CAR) and Inflation have no effect on the amount of mura>bah}ah financing. Keywords: Mura>bah}ah financing, External factor, Internal factor

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Khozainul Ulum

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jesunisla@gmail.com

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+6282244470719

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Jl. Veteran 53A Lamongan

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Kab. lamongan,

Jawa timur

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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

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