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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 7, No 2 (2022): September" : 8 Documents clear

Penerapan Manajemen Risiko Pembiayaan Qardl di Koperasi Konsumen Darul Hikam Syariah Desa Tracal Kecamatan Karanggeneng Kabupaten Lamongan Livia Suhervi; Khozainul Ulum
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Qardl financing is one of outlay product in Darul Hikam Syariah Concumer Cooperative coming through capital lack problems due to many inconsiderate debtors. This subsequently triggers some suspicions about its regulations of risk management applied in qardl financing. This study is qualitative research applying descriptive analysis approach. The data are collected using techniques of observation, interview and documentation. The results reveal several findings. First, the procedure of qardl financing in Darul Hikam Syariah Consumer Cooperative is divided into four stages. They are the submission stage, the analysis stage, the disbursement stage, and the installment stage. In the disbursement stage, an administrative fee is determined based on the loan amount. Second, the qardl financing risk management analysis is not in accordance with the theory. It can be seen from the risk management process which is only carried out by means of identification, measurement, and control. There is no monitoring due to the lack of human resources (employees) in providing assistance, approach, and direct direction for borrowers. Otherwise, the monitoring is crucial in the process of minimizing the occurrence of failed businesses and experiencing bad credit settlement.

Religiusitas, Kepuasan Pelayanan, Dan Pengaruhnya Terhadap Loyalitas Nasabah Bank Syariah Di Kota Surabaya (Analisis Regresi Purposed Mediator dengan Bootstrap Matrix) Nurlaili Adkhi Rizfa Faiza
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

High customer loyalty can indicate the success of Islamic banks in line with increasingly fierce business competition between financial institutions and banks. This study aims to examine and analyze the relationship between bank services, customer satisfaction, one's religiosity, and customer loyalty of Islamic banks in the city of Surabaya. Using a research sample of Islamic bank customers who domiciled in Surabaya, this study uses a quantitative approach with a purposed mediator regression analysis with Bootstrap Matrix. The results showed that a person's religiosity and service quality of Islamic banks had a positive and significant effect on their loyalty as customers in Islamic banks. Then, the effect of service on customer loyalty, which is moderated by satisfaction, shows a positive but not significant effect. With the less significant effect of service on loyalty moderated by satisfaction, along with the increasingly fierce business competition between institutions and banks, Islamic banks need to improve the quality of services provided to customers and prospective customers to be able to compete with other financial institutions to obtain satisfaction and maintain customer loyalty. Finally, the results of the simultaneous test show that religiosity and service quality (moderated by customer satisfaction) have a positive and significant effect on customer loyalty in sharia banking in Surabaya.

Creative Economic Development in Islamic Economic Perspective on The Welfare of Society (Study on Ieko Queen Eceng Creamers, Sahabat Alam Kunciran Jaya, Tangerang) Harisah Harisah; Inti Ulfi Sholichah; Sri Ramdhayanti; Aliyeva Patimat Shapiulayevna
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

The problem in this study inspires creative economic development activities aimed at improving the well-being of the water hyacinth craftsmen community in Situ Cipondoh. The water hyacinth plant can be transformed into a variety of marketable handicrafts. This has become a popular destination for both locals and visitors from other parts of the country. The purpose of this research is to determine the development of the creative economy in improving the economic welfare of water hyacinth craftsmen in Ieko Ratu Eceng Sahabat Alam, Situ Cipondoh, Kunciran Jaya, Tangerang in terms of Islamic economic aspects in Indonesia. This study employed interview techniques and field surveys with a sociological approach, with data collected through observation, interviews, and documentation. To get specific conclusions, it refers to literature studies based on the texts of the Quran and hadith and then analyzed using descriptive analysis techniques according to Islamic economics. Thus, this research shows that the creative economy development carried out by the Kunciran Jaya community through Ieko Ratu Eceng Sahabat Alam by utilizing water hyacinth into various kinds of handicrafts can improve the economic welfare of the Situ Cipondoh community. Besides that, in the view of Islamic economics, these activities are highly recommended and allowed because they are following the basic values of Islamic economics in Indonesia.

Pengaruh Islamic Corporate Governance, Profitabilitas dan Size Terhadap Islamic Corporate Social Responsibility Pada Bank Umum Syariah di Indonesia Riza Nur Rosita; Sri Lestari Kurniawati
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

This study aims to determine whether the islamic corporate governance, profitability and size of the company size influences the islamic corporate social responsibility in Islamic Commercial Bank in Indonesia. The sample in this study were 12 Islamic Commercial Bank in Indonesia for period 2016-2020. Data and methods of data collection in this study are secondary data obtained from annual reports on the website of Islamic Commercial Banks. The data analysis technique in this study use descriptive analysis, while for the statistical analysis the SPSS 16.0 test tool is used. The result of this study indicates that a)Islamic corporate governance, profitability and size simultaneously have a significant effect on Islamic corporate social responsibility,b) partially Islamic corporate governance has a significant positive effect on Islamic corporate social responsibility, c)partially profitability has a significant negative effect on Islamic corporate social responsibility and d)partially company size has insignificant effect on Islamic corporate social responsibility.

Bank Wakaf Mikro dan Strategi Baru Penguatan UMKM Berbasis Keuangan Inklusif Muhammad Aladdin Hanif; Annisa Maulidia Alfian; Muhammad Zacky Dzulfikar; Darwanto Darwanto; Mochammad Ardani
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

The level of financial inclusion in Indonesia is 76,19%. It indicates that there are still many groups of people who have not received financial services. Economic empowerment and financial services at the micro level are easier and more accessible through microfinance institutions (MFIs). One of MFIs developed based on sharia principles is the Bank Wakaf Mikro (BWM). This study aims at improving the strategy for the role of BWM in financial inclusiveness and to support the economy from the MSME level. The method used is SWOT analysis by considering the internal and external factors that exist in BWM. The factors obtained through in-depth interviews with BWM leaders are processed quantitatively. The results show that BWM is still in the Stable Growth stage, because it has added value on weaknesses and opportunities. Strategies that can be implemented include collaborating with external agencies and simplifying regulations in BWM operations.

Analysis of Religiosity and Halal Labels Towards Purchasing Decision on Cosmetic Products (Study on Regular Female Student of The University of Darussalam Gontor) Zulfatus Sa'diah; Milenia Ayu Saraswati; May Shinta Retnowati
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

This research aims at analyzing religiosity and halal labels toward purchasing decision's regular female students of University of Darussalam Gontor on a cosmetic product. The study uses quantitative methods with an explanatory approach. Then data analysis techniques using Structural Equation Modelling (SEM) is Partial Least Squares (PLS) with the help of Smart PLS version 3.2.9. to answer hypotheses. The first stage in the study was testing the validity of each variable question with its reliabilities. The second one verifying the combination between religiosity and halal labels toward purchase decisions on cosmetic products among regular female students of University of Darussalam Gontor. The results showed that halal labels influenced purchasing decisions by 68%, while the remaining 32% were influenced by another exogenous outside of the studied variables. The religiosity partially has a positive but insignificant effect on purchasing decisions. Whereas the halal labels partially have a positive and significant effect on purchasing decisions.

Pengaruh Flypaper Effect Pada Dana Alokasi Umum dan Pendapatan Asli Daerah Terhadap Belanja Daerah Provinsi Lampung Tahun 2016-2019 dalam Perspektif Ekonomi Islam Herlina Kurniati; Yulistia Devi
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

Many Regionals Government in Indonesia still rely on DAU allocations to finance regional expenditures and development without optimizing the potential of the regions. When DAU allocation obtained is large, the regions will try to keep DAU in the next period at the nominal value. PAD is able to finance local government at a maximum of 20%. This fact has led to asymmetrical behavior in local government. The regional government responds to the transfer of funds in the form of balancing funds, especially DAU which is realized in the regional budget. As regional spending is greater than the transfer, it is called the flypaper effect. The method used in this research is descriptive quantitative analysis method using panel data regression. The data analysis with regression uses the Eviews 9.0 program. The data used in this research use panel data with independent variables, namely General Allocation Fund (DAU) and Regional Original Revenue (PAD). The dependent variable is Regional Expenditure. The results of this study are: 1) General Allocation Funds have no effect on Regional Expenditures; 2) Regional Original Revenues affects Regional Expenditures; 3) General Allocation Funds and Regional Original Revenues simultaneously affect Regional Expenditures; 4) There is no Flypaper Effect in Regency/City Government of Lampung Province 2016-2019; 5) Regional Expenditures of Lampung Province is not compatible with the Islamic economic perspective.

Analisis Efisiensi Asuransi Jiwa Syariah di Indonesia dengan Pendekatan Stochastic Frontier Approach (SFA) Rosyidatur Rohmah; Zubaidah Nasution
JES (Jurnal Ekonomi Syariah) Vol 7, No 2 (2022): September
Publisher : Universitas Islam Lamongan

This study aims to analyze the efficiency level of Indonesian sharia insurance with a parametric stochastic frontier approach where the input is total assets and claims, and the output of this research is investment income. This study uses quantitative methods with secondary data in the form of shariah insurance Indonesia annual reports 2016-2020. The data analysis uses a regression test with the help of stochastic frontier approach (SFA). Based on the results of processing using stochastic frontier approach (SFA), Indonesian Sharia insurance's overall production efficiency level is known to be 0.8187 or 81.87%. Partially, Indonesian sharia insurance total assets and claims have an insignificant negative effect on investment income.

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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

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