cover
Contact Name
bakhrul huda
Contact Email
bakhrul.huda@uinsby.ac.id
Phone
+6281331303883
Journal Mail Official
el-qist@uinsby.ac.id
Editorial Address
Kampus Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya Jl. Jend. A. Yani 117 Surabaya 60237
Location
Kota surabaya,
Jawa timur
INDONESIA
El-Qist : Journal of Islamic Economics and Business (JIEB)
ISSN : 22527907     EISSN : 27160335     DOI : 10.15642/elqist.v10i1.267
el-Qist: Journal of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian
Articles 12 Documents
Search results for , issue "Vol. 1 No. 1 (2011): eL-Qist" : 12 Documents clear
KILAS BALIK EKONOMI ISLAM DI INDONESIA Musfiqoh, Siti
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

The historical development of Islamic system economic in Indonesia reflects the dynamics of the aspirations and wishes of the Indonesian people themselves, to have an alternative fair economic system, in the real sector. as an alternative search process in the monetary system which is characterized by the principles of transparency, fairness, balance and ethics in creating a prosperous society materially and spiritually. The initial of this alternative search system, initiated by scientific studies about Islamic economic and financial. The result of those studies is the publication of islamic banking laws. The initial of Islamic economic system of banking began in the early 1980's, when the government issued a policy package on Banking liberalization.The scholars' at that time established an interest-free rate, bank Muamalat (Islamic banks) at the end of 1991 and operational in early 1992, but none of the legal device that can be used as a reference.This condition lasted until the year 1997, in which Indonesia was hit by the economic and moneter crisis.At that time, when conventional banks had been liquidated, , Islamic banks showed their existence and do not experience economic shocks. Aspiration of Indonesian people had been growing to have an Islamic financial institutions, non bank financial institutions and the banking through the application of system for a favorable outcome for the customer and the bank. Furthermore, the trial conducted by the public along with academics and practitioners to realize and practice the idea of monetary systems ranging from small-scale enterprises both bank and non bank financing are trying to apply the concept of revenue sharing. At this stage, the establishment of Islamic banks are seen as an indicator of economic progress is happening in Islamic economic, so almost society equate Islamic Economic with Islamic banks, or non-bank sharia financial institutions other. Though the scope of Islamic economics is much broader than just a Sharia finance. It covers macroeconomic concepts, micro-economic, fiscal, monetary, and also the much concept of economic development policies and instruments with all the variables.
PASAR MODAL SYARIAH DI INDONESIA Fauzia, Ika Yunia
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The Birth of shariah capital market in Indonesia is a breakthrough, in order to open a new niche on the trading floor. With distinct segmentation, it is expected that local Moslem investors and Middle Eastern investors will be colouring investment growth in it. The existance of sharia capital markets, will also participate in enhancing the development and the growth of national economic because it can strengthen industries and companies financial position. In which industries and companies engaged in efforts dealing with shariah, which can provide a positive contribution to people’s live. However modern economy will rely heavily on strong capital markets, global competitivenes and also good system. And it is expected that sharia capital market in Indonesia could have strong competitivenes so that can develop, deliver profit and benefit for the community of investors, industry sectors and society in general.
ANALISIS TERHADAP CETAK BIRU BANK INDONESIA PERIODE 2002-2011 UNTUK PENGEMBANGAN PERBANKAN SYARIAH INDONESIA Rahmawati, Lilik
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Research entitled “Analysis of the blue print of bank Indonesia for the development of Sharia banking in Indonesia period 2002-2011” aims to find out the blueprint of Islamic banking 2002-2011 issued by Central Bank of Indonesia, described the already realized targets of the blueprint of Islamic banking and those which not yet realized, also find out the factor which causes the targets the blueprint of Islamic banking were unrealized. This research is a descriptive research with in-depth analysis method. Data collection methods used was observations and interviews. The results showed that the targets of Indonesian Central Bank’s blue print covering the four things; first, adherence to the principles of Sharia; second, prudence; third, the improvement of operational efficiency and high competitiveness; fourth; stability and expediency of Islamic banking system for the economy. Blueprint objectives outlined in the strategic initiatives that are generally already implemented include: improving the understanding of Islamic finance, facilitating the formulation of norms of Islamic finance, conducting studies in surveillance and integrated arrangement system, refining the provisions of office network, developing “exit and entry” policy settings, enhancing the quality of human resources, creating strategic alliances with related agencies, devising the concept of the “takaful” deposit, pushing the involvement if rater institutions in banking activities, and encouraging an increasing in the role of financing with profit-loss sharing method. The objectives outlined in the strategic initiatives that have not been implemented were: the development of the concept of incentives for adherence to the principles of the Sharia, the development of real time supervision, the fulfillment of the needs of people who want Sharia banking services throughout Indonesia with 5% market share, the materializing of the Islamic banking “kaffah” functions, and the ability to serve all segments of the community. The factors those cause unimplemented strategic initiatives were the lack of knowledge and understanding of the people about Islamic banking; the lack of human resources with sufficient skill and capability in Islamic economy especially about the laws relating to Islamic banking, the scarcity of funds for socialization and information technology needs, also the assumption of 5% market share defined in accordance with the fact that the current Islamic banks consumers aren’t only muslims but also non-Muslim community
PERAN BANK SYARIAH DI DALAM PEMBANGUNAN EKONOMI: Analisis Teoritis Atas Mobilisasi, Alokasi dan Utilisasi Sumber Daya Ekonomi Mansur, Ahmad
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

In our modern time, people will not be able to live without having involved with the financial institution. Nowadays, most of the economic and business transaction is done through the financial institution especially banking system. It is no doubt that the financial institutions have played very significant role in supporting economic development. Since we are interested in interest-free banking system, we will investigate the role of Islamic banking in economic development in Indonesia. This research is literature and library research, in the sense that it reviews the role of Islamic banking in economic development conceptually and theoretically, it analyzes the role of bank in mobilization, allocation and utilization of its resources and make a comparative analysis between what have been done by Islamic bank vis a vis conventional bank in terms of their performance in mobilization, allocation and utilization of their resources in helping economic development. This research concludes that Islamic bank, despite it operates without interest and does its operation with the principle of profit and loss system; it performs well in doing mobilization, allocation and utilization of its resources for economic development. It performs well in saving mobilization, income and wealth generation and asset accumulation as well as credit financing within syariah framework by implementing principles such as Murabaha andMudarabah financing. This research also found that the Islamic bank average growth rate of asset, saving mobilization and credit financing during ten years of this study is better than that of conventional bank, though its return on asset (ROA) is still lower than that of the conventional bank. In line with this conclusion, what is urgent to be taken in further study is how far the Islamic banks channel their resources into riskier projects, such as Mudarabah financing projects, since the higher the risk, the higher the profit. It is also urgent to take further quantitative research on how far the presence of the Islamic banks has a positive impact on economic development.
PENGUATAN EKONOMI UMAT MELALUI LEMBAGA KEAGAMAAN Anwar, Moch. Khoirul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

الإسلام هو الدين الذي يعلم الناس إلى قوة في الاقتصاد. هذا الجانب الاقتصادي مهمّ جدا، و في أصول الفقه كان واحدا من الأمور المحفوظة التي تشتهر بالأمورالضرورية للناس وهي : الدين والنفس والعقل والنسل والمال. وهذا يناسب الى الغرض من الشريعة هو حكمة البشر في الدنيا والآخرة. من ناحية أخرى، هناك المؤسسات الدينية التي لها القوة المعنوية، لذلك لها دور مهمّ في التمكين الاقتصادي للشعب. و وجدت في الإسلام المؤسستان التان تتعاملان مباشرة مع الناس وهما مدرسة داخلية و مسجد. ودورالمؤسسات الدينية فى تمكين الاقتصادي اثنان على الاقل , هما موعظة حسنة و أسوة حسنة . وهما من الأدوار المهمة التي يحتاج بعد ذلك إلى أن تنفذ في النشاط الحقيقي. ودور المؤسسات الدينية فى موعظة حسنة يمكن أن تتحقق في شكل زيادة في الموارد البشرية, منها خلال التدريب الجيد، والتعليم، و توفير الحافز على أهمية وجود اقتصاد قوي. ودور المؤسسات الدينية فى أسوة حسنة يمكن أن تتحقق في خلال إنشاء "بيت المال و التمويل" . تعامل بيت المال و التمويل على تمكين الاقتصادي بتحويل الأموال من المجتمع والعودة الى المؤسسات الصغيرة والمتوسطة، وخصوصا أصحاب المشاريع المسلمين الذين يحتاجون إلى رأس المال لتطوير الأعمال من خلال توفير التسهيلات التمويلية الموافقة على أساس مبادئ الشريعة الإسلامية مثل المرابحة، والمضاربة، والمشاركة ، القرض، وغير ذالك
PENGARUH TINGKAT PEMAHAMAN AGAMA TERHADAP MOTIVASI INVESTASI NASABAH BANK SYARIAH MANDIRI CABANG GORONTALO Mustofa, Mustofa
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Abstract

As one who has a high level of religious understanding will always attempt to run the Sharia, consistently. By keeping himself to carry out what God commanded and always trying not to do any act forbidden by God not only in worship studies but also in Fiqh muamalah, i.e. the relationship between fellow human beings—in this case—is the economy. If a muslim wanted to be consistent, then he/she will save his/her money or invest it in the Islamic bank and will not save/invest in interest/usury-based conventional bank. This research aims to study the influence of the level of religious understanding against the customer’s investment motivation in Bank Syariah Mandiri branch in Gorontalo. This research takes three months (August - November 2011), and the location of the research is Bank Syariah Mandiri Syariah branch of Gorontalo. This research uses a quantitative approach, and data analysis is carried out using statistical regression approach with the help of the program SPSS 17.0. The data used are the primary data and secondary data obtained through observation, documentation and questionnaires. The results of this research show that the level of religious understanding—consisting of iman, Islam and ihsan—of Bank Mandiri Syariah customers is relatively high. Investment motivation as well as the customer in the Bank Syariah Mandiri is also high. The statistical calculation based on the results obtained that there was a very significant influence in either partial or shared between the levels of understanding of religion on customer’s investment motivation on Bank Syariah Mandiri
KILAS BALIK EKONOMI ISLAM DI INDONESIA Siti Musfiqoh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2011.1.1.1-14

Abstract

The historical development of Islamic system economic in Indonesia reflects the dynamics of the aspirations and wishes of the Indonesian people themselves, to have an alternative fair economic system, in the real sector. as an alternative search process in the monetary system which is characterized by the principles of transparency, fairness, balance and ethics in creating a prosperous society materially and spiritually. The initial of this alternative search system, initiated by scientific studies about Islamic economic and financial. The result of those studies is the publication of islamic banking laws. The initial of Islamic economic system of banking began in the early 1980's, when the government issued a policy package on Banking liberalization.The scholars' at that time established an interest-free rate, bank Muamalat (Islamic banks) at the end of 1991 and operational in early 1992, but none of the legal device that can be used as a reference.This condition lasted until the year 1997, in which Indonesia was hit by the economic and moneter crisis.At that time, when conventional banks had been liquidated, , Islamic banks showed their existence and do not experience economic shocks. Aspiration of Indonesian people had been growing to have an Islamic financial institutions, non bank financial institutions and the banking through the application of system for a favorable outcome for the customer and the bank. Furthermore, the trial conducted by the public along with academics and practitioners to realize and practice the idea of monetary systems ranging from small-scale enterprises both bank and non bank financing are trying to apply the concept of revenue sharing. At this stage, the establishment of Islamic banks are seen as an indicator of economic progress is happening in Islamic economic, so almost society equate Islamic Economic with Islamic banks, or non-bank sharia financial institutions other. Though the scope of Islamic economics is much broader than just a Sharia finance. It covers macroeconomic concepts, micro-economic, fiscal, monetary, and also the much concept of economic development policies and instruments with all the variables.
PASAR MODAL SYARIAH DI INDONESIA Ika Yunia Fauzia
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2011.1.1.15-40

Abstract

The Birth of shariah capital market in Indonesia is a breakthrough, in order to open a new niche on the trading floor. With distinct segmentation, it is expected that local Moslem investors and Middle Eastern investors will be colouring investment growth in it. The existance of sharia capital markets, will also participate in enhancing the development and the growth of national economic because it can strengthen industries and companies financial position. In which industries and companies engaged in efforts dealing with shariah, which can provide a positive contribution to people’s live. However modern economy will rely heavily on strong capital markets, global competitivenes and also good system. And it is expected that sharia capital market in Indonesia could have strong competitivenes so that can develop, deliver profit and benefit for the community of investors, industry sectors and society in general.
ANALISIS TERHADAP CETAK BIRU BANK INDONESIA PERIODE 2002-2011 UNTUK PENGEMBANGAN PERBANKAN SYARIAH INDONESIA Lilik Rahmawati
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2011.1.1.41-62

Abstract

Research entitled “Analysis of the blue print of bank Indonesia for the development of Sharia banking in Indonesia period 2002-2011” aims to find out the blueprint of Islamic banking 2002-2011 issued by Central Bank of Indonesia, described the already realized targets of the blueprint of Islamic banking and those which not yet realized, also find out the factor which causes the targets the blueprint of Islamic banking were unrealized. This research is a descriptive research with in-depth analysis method. Data collection methods used was observations and interviews. The results showed that the targets of Indonesian Central Bank’s blue print covering the four things; first, adherence to the principles of Sharia; second, prudence; third, the improvement of operational efficiency and high competitiveness; fourth; stability and expediency of Islamic banking system for the economy. Blueprint objectives outlined in the strategic initiatives that are generally already implemented include: improving the understanding of Islamic finance, facilitating the formulation of norms of Islamic finance, conducting studies in surveillance and integrated arrangement system, refining the provisions of office network, developing “exit and entry” policy settings, enhancing the quality of human resources, creating strategic alliances with related agencies, devising the concept of the “takaful” deposit, pushing the involvement if rater institutions in banking activities, and encouraging an increasing in the role of financing with profit-loss sharing method. The objectives outlined in the strategic initiatives that have not been implemented were: the development of the concept of incentives for adherence to the principles of the Sharia, the development of real time supervision, the fulfillment of the needs of people who want Sharia banking services throughout Indonesia with 5% market share, the materializing of the Islamic banking “kaffah” functions, and the ability to serve all segments of the community. The factors those cause unimplemented strategic initiatives were the lack of knowledge and understanding of the people about Islamic banking; the lack of human resources with sufficient skill and capability in Islamic economy especially about the laws relating to Islamic banking, the scarcity of funds for socialization and information technology needs, also the assumption of 5% market share defined in accordance with the fact that the current Islamic banks consumers aren’t only muslims but also non-Muslim community
PERAN BANK SYARIAH DI DALAM PEMBANGUNAN EKONOMI: Analisis Teoritis Atas Mobilisasi, Alokasi dan Utilisasi Sumber Daya Ekonomi Ahmad Mansur
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 1 No. 1 (2011): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2011.1.1.63-88

Abstract

In our modern time, people will not be able to live without having involved with the financial institution. Nowadays, most of the economic and business transaction is done through the financial institution especially banking system. It is no doubt that the financial institutions have played very significant role in supporting economic development. Since we are interested in interest-free banking system, we will investigate the role of Islamic banking in economic development in Indonesia. This research is literature and library research, in the sense that it reviews the role of Islamic banking in economic development conceptually and theoretically, it analyzes the role of bank in mobilization, allocation and utilization of its resources and make a comparative analysis between what have been done by Islamic bank vis a vis conventional bank in terms of their performance in mobilization, allocation and utilization of their resources in helping economic development. This research concludes that Islamic bank, despite it operates without interest and does its operation with the principle of profit and loss system; it performs well in doing mobilization, allocation and utilization of its resources for economic development. It performs well in saving mobilization, income and wealth generation and asset accumulation as well as credit financing within syariah framework by implementing principles such as Murabaha andMudarabah financing. This research also found that the Islamic bank average growth rate of asset, saving mobilization and credit financing during ten years of this study is better than that of conventional bank, though its return on asset (ROA) is still lower than that of the conventional bank. In line with this conclusion, what is urgent to be taken in further study is how far the Islamic banks channel their resources into riskier projects, such as Mudarabah financing projects, since the higher the risk, the higher the profit. It is also urgent to take further quantitative research on how far the presence of the Islamic banks has a positive impact on economic development.

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