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 130 Documents

1 2 3 4 5

Penguatan Peran Ekonomi Islam Melalui Optimalisasi Pembiayaan pada Sektor Riil UMKM Trimulato Trimulato; Ismawati Ismawati; Amiruddin K; Nuraeni Nuraeni
JES (Jurnal Ekonomi Syariah) Vol 5, No 2 (2020): September
Publisher : Universitas Islam Lamongan

Islamic economic in Indonesia continues to experience very rapid growth, seen by the increasing number of institutions operating in sharia principles, in addition to the growing and developing businesses with sharia principles. The development of the Islamic economy is inseparable from the role of various parties who continue to try to socialize the Islamic economy to society. The government seems to be very serious in supporting the development of the Islamic economy in Indonesia. It looks at the Islamic financial market share that has not enough 10 percent, so it requires more efforts for its development. It needs to determine the direction and focus on particular segments to develop so they can compete globally. The right segment chosen for the Islamic economy is the development of SMEs, given that it grows and develops in Indonesia. This study aims to find out the development of SMEs and map the strengthening of the Islamic economy through financing for SMEs. The type of research is library research and is qualitative. Data collection techniques used are through retrieval data has been there before. The data analysis technique used is descriptive qualitative, related to the development SMEs and Islamic economic institutions. Results showed that development in 2018 SMEs experienced growth, medium-sized businesses grew by 3.54 percent, and small businesses grew by 3.44 percent, while the largest portion of SMEs was microbusinesses, which amounted to 98.7 percent. Distribution financing sharia banking is still dominated by consumer consumption rather than productive. Islamic economic institutions are experiencing growth, so they can be directed to develop SMEs. Strengthening it can be done by selecting certain segments that are the focus is SMEs. The concept of profit-sharing inherent in Islamic economic transactions is very relevant to the development of SMEs. Keywords: Islamic economic; financing; SMEs

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

Tinjauan Literasi Keuangan Bagi Santri Pondok Pesantren Madura: Studi Kasus Pondok Pesantren Syaichona Kholil Kabupaten Bangkalan Galuh Widitya Qomaro; Aldila Septiana
JES (Jurnal Ekonomi Syariah) Vol 2, No 2 (2017): September
Publisher : Universitas Islam Lamongan

Need priority scale arrangement is done to avoid the behavior of irrational consumption. It also must pay attention to the financial capabilities to avoid greater expenditure than income. Therefore, to make the right economic decisions in consuming and avoid luxurious lifestyle, it is necessary for us understanding financial literacy. Financial Literacy is knowledge to manage finance. One of the intelligences that must be possessed by modern men is financial intelligence, namely the intelligence in managing personal assets, especially in managing personal financial assets. The object of research in this paper is students at traditional Muslim School at traditional Muslim at school of Syaichona Kholil Bangkalan District, where students at traditional Muslim School are students who live far apart from parents equipped with knowledge in managing finances and allowance. Are the students at traditional Muslim School able to coordinate his finances in traditional Muslim School? Based on the result of the research, it can be described as follows: the concept of someone's financial literacy can be seen from the his/her cognitive process or knowledge which he has in managing finance, and his/her attitudes toward personal finance that will affect his financial behavior or decision in managing finance. From the existing theory, it is adapted based on basic knowledge as well as financial attitudes for teenagers with age of 13-18 years. A review of financial literacy for students at traditional Muslim School of Syaichona Kholil Bangkalan District is appraised by simplicity and mutual sharing among fellow who is able to maintain an individual life as a social creature in the environmental diversity of the community. This sense of solidarity and kinship is needed to bring students at traditional Muslim School into real life after they no longer live in traditional Muslim School of Syaichona Kholil Bangkalan Regency. Keywords: Financial Literacy, Traditional Muslim School, Syaichona Kholil

Solusi Penanganan Pembiayaan Bermasalah Di Bank Syariah Dalam Konteks Perundang-Undangan Republik Indonesia Mochammad Afif
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

When the enactment of Act Number 7 of 1992 concerning banking there is another alternative form in addition to conventional banks that are known a bank based on the principle of profit sharing. Act Number 7 of 1992 concerning Banking has not yet used explicitly the term sharia bank or Islamic bank. The mention still uses the term “profit sharing principle”. There is no more detailed provision regarding banks conducting business based on sharia principles. Financing is the majority of assets of sharia banks so that the financing must be maintained with quality based on the principle of prudence. The precautionary principle is a bank management guideline that must be adopted in order to realize a sound, robust and efficient banking system in accordance with the provisions of laws and regulations. Implementation of prudential principles by sharia banks is one of which is realized in performing a financing analysis that is analyzing confidence on the willingness and ability of prospective customers of the facility receiver to repay all obligations in time, before the Sharia Bank and/or UUS channel funds to the facility receiver. This confidence is derived from a careful assessment of the time, ability, capital, collateral, and business prospects of a potential customer (character, capacity, capital, collateral, condition). The sharia bank in providing financing hopes that the financing proceeds smoothly, the customer obeys what has been agreed upon in the agreement and pays in full when it matures. However, it can occur within the financing period of non-performing financing. Efforts made by sharia bank to handle problematic financing by conducting a rescue of troubled financing with restructuring efforts if the customer still has good intentions in the sense of still willing to be invited to cooperate in efforts to save troubled financing, but if the customer has no conviction either in the sense cannot be invited in an effort to rescue non-performing financing, sharia banks will make efforts to settle non-performing financing. Keywords: Sharia Bank, Non Performing Financing, Handling Solution

Pengaruh Kelebihan Penghasilan Dan Religiusitas Terhadap Intensi Masyarakat Desa Takeranklating Tikung Lamongan Untuk Menjadi Nasabah Di Perbankan Syariah Dian Mariana Lestari
JES (Jurnal Ekonomi Syariah) Vol 4, No 1 (2019): Maret
Publisher : Universitas Islam Lamongan

Sharia bank is a bank which operated by al-Quran and Hadist principle. Completed with MUI intructions therefore when operational process not rely on tire tread. However almost people have a salary and religious background look of that things people sould be make their insentrum to chose sharia bank as a main priority to be the customer. This skripsi entitled ”The influence of salary strength and the religiousity toward the intention of Takeranklating people to be the customer in sharia bank”. This research using quantitative method so answer the research problem about how many the influence of salary strength, and the religiousity in a parsial manner and simultaneous toward people intention in Takeranklating village to be the customer in sharia Bank. This research used quantitative methods with explanation design. This research collect the data used quitionnare and documentation. While data analyze technique used double regression test using parsial and simultaneous test. Result of research showed that the variabel of salary strenght get the positive influence and significant toward people intention of Takeranklating to be a customer in sharia bank with regression coeficient 0,022 scores, score t test is 2,150 scores and the significant is 0,038 scores. While the variabel of religiousity get positive influence and significant toward people intention of Takeranklating to be a customer in sharia bank with regression coefficient 0,622 score, the score of t test is 75,635 scores, and the significant score is 0,000,. While the salary strength and religiousity in a simultaneous manner is significant influence toward people intention of Takeranklating village to be a customer in sharia bank with f test is 2906,753 scores, the significant score is 0,000 scores and f table is 3,10 scores. Keywords: Salary Strength, Religiousity, People Intention

Format Pengelolaan Dana Tabungan Haji Untuk Pembangunan Sektor Riil Melalui Skema Project Based Sukuk (PBS) Dalam Kajian Fikih Huril ‘Aini
JES (Jurnal Ekonomi Syariah) Vol 5, No 1 (2020): Maret
Publisher : Universitas Islam Lamongan

One form of sharia financial instrument that has been widely issued by both corporations and the state is sukuk, sharia bonds. Sukuk emphasizes investment income not on the interest rate, but on the level of income based on the level of profit sharing ratio the amount agreed upon by both parties (issuers and investors) at the time of the contract. The purpose of this research is to examine the implementation of the Project Based Sukuk (PBS) scheme of the hajj funding to fund the development of the real sector, especially infrastructure in Indonesia in the perspective of fiqh studies. In this study, the author conducts an analysis of the study of literature and scientific journals so as to produce a conclusion related to the application of PBS on hajj funding. This type of research is qualitative research. To obtain relevant data, data collection techniques such as rule review and literature study are used. The results show that the financing of infrastructure projects using PBS schemes sourced from hajj funds can be done with the following conditions: (1) sukuk issued in accordance with and fulfilling Islamic sharia rules and regulations (2) infrastructure benefits are primarily aimed at the welfare of prospective pilgrims and the general public (3) financing must be aimed at investment portfolios with low risk and provide guaranteed returns to maintain the security, usefulness and prudence of managing pilgrims funds (4) the majority of ulama agrees that the management of hajj savings funds may be invested in the project based sukuk. Keywords: project based sukuk, sharia bonds, hajj funding

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

Pasar Uang Antarbank Dengan Prinsip Syariah Bhaswarendra Guntur Hendratri
JES (Jurnal Ekonomi Syariah) Vol 2, No 1 (2017): Maret
Publisher : Universitas Islam Lamongan

Islamic banking development that is increasingly requires the development of Islamic banking products, which are used to meet the needs and demands of its customers. Islamic banking can overcome or manage their liquidity in an Islamic way, both the sukuk and other types of investments, which certainly does not violate the Islamic sharia. The keys are used by banks in their liquidity management is the availability of primary and secondary reserves. In fulfillment of secondary reserve, bank can invest idle fund in Money Market. Islamic interbank money market is able to support smooth for Islamic banking to use Islamic interbank money market as a means to organize and manage liquidity. Interbank money market with Sharia principle is one of the facilities provided by Bank Indonesia as control of Indonesia banking in terms of utilization of idle funds held by Islamic banking. Interbank money market with Sharia, which has the right to publish is only a BUS or UUS because, in the future, BUS or UUS will be the manager of the funds, both in terms of SIMA (Mudharabah Interbank Investment Certificate) or SIKA (Commodity Interbank Certificate). Commodity Certificates based on Sharia (SIKA) is different with SIMA. SIKA uses murabahah contract. The trade is conducted in the commodity exchange. The interbank money market with Sharia principles is not much different from the risks that exist in the money market in general. However, the risk in interbank money market seems more minimal because is conceptualized and organized by Bank Indonesia. Keywords: Sharia Money Market, Islamic Banking

Relevansi Pemikiran Ekonomi Muhammad Baqir Ash-Sadr Muhammad Kambali
JES (Jurnal Ekonomi Syariah) Vol 3, No 1 (2018): Maret
Publisher : Universitas Islam Lamongan

The failure of the capitalist system in realizing just welfare becomes a necessity for mankind to deconstruct the economy of capitalism into a just and civic economic system which in this case of course Islamic economics deserves to be considered as one alternative in realizing human prosperity. As one of today’s contemporary muslim economists, Baqir Sadr’s ideas are increasingly finding relevance to the current global economic situation. This article examines the thoughts of Baqir Sadr in the book Iqtishaduna (our Economic) by using the approach of library research. The results of this study include. First The idea that capitalism is a system that is solely oriented to the accumulation of capital and ignore the values outside the economic motive. The two important meanings of the State’s role in economics at Baqir Sadr’s foundation can be found in the notion of a conventional economist, one of which is former US Federal Reserve governor Alan Gleenspan, which highlights the importance of state involvement in economic activities as in the case of the Subprime Mortgage financial crisis. The three ideas of wealth distribution that require the circulation of property in both local and transnational domains become very relevant to see the imbalances that occur in the world today as the United Nations Development Program (UNDP) said as many as 20% of the rich in the world are enjoying 86% of world wealth, while 80% of the world's poor enjoy only 14% of the world's wealth. Keywords: Relevance, Capitalism Failure, Baqir Sadr Thought

Ekonomi Politik Islam: Pendekatan Maqashid Al-Shari’ah Ahmad Ubaidillah
JES (Jurnal Ekonomi Syariah) Vol 3, No 2 (2018): September
Publisher : Universitas Islam Lamongan

The Indonesian nation, which has undergone its independence for more than 70 years, experienced two major changes, namely in 1966 and 1998. 1966 gave birth to the New Order. The New Order period which lasted 32 years with a full orientation to pursue economic growth which was supported by security stability which killed democratic values. We have also gone through the reform era that was rolled out in 1998 which later gave birth to the state order as we feel today. During the 20 years or so of reformation, Indonesia's condition can be said to be more democratic even though it is still procedural which is marked by an election celebration party and post-conflict local election. However, economic orientation and development have almost no fundamental correction, no significant changes. The strategic economic policies taken by the government have not been in favor of the people. Potential economic resources are still held hostage by the interests of foreign countries. Both in the banking sector, insurance, capital markets, state-owned enterprises (BUMN), oil and gas mining and other economic sectors. The government only relies on the amount of economic growth, which does not contribute much to the real economy of the people. As a result, poverty and unemployment rates have not been significantly reduced. The quality of life of the people becomes low. In this paper, the author tries to study the economic growth which is always glorified by the ruling regime in the perspective of Islamic political economy. However, economic policies are inseparable from government political interference. Therefore, questions such as how is the political economy of Islam in view of economic growth amid the high poverty rate of the Indonesian people? Then what is the solution that Islamic political economy can provide in overcoming policies that are deemed not to benefit the people? From the discussion, the writer can provide some things that according to the authors are important to conclude. Islamic political economy is only one area of science that will be built based on the tauhid paradigm. Basically, all existing science needs to be built within the framework of the monotheistic paradigm. The emergence and development of Islamic civilization for more than a thousand years is always based on the Tawhid paradigm. At that time, all science was built on the basis of monotheism. The problem of economic development can be solved by tauhid paradigm. Keywords: Islamic Economic Politics, Maqashid al-Shari’ah Approach

Page 2 of 13 | Total Record : 130

1 2 3 4 5

Filter by Year

2016 2023

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