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Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Negeri Kudus
ISSN : 19790724     EISSN : 25023993     DOI : 10.21043/iqtishadia
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
IQTISHADIA, particularly focuses on the main problems in the development of the sciences of Islamic Economics and Business areas. It covers: Islamic Economics Islamic Banking Islamic Microfinance Islamic Marketing Human Resources in Islamic perspective Islamic Finance Zakah ,Waqf and Poverty Alleviation Public Finance Monetary Economics Economic Development Maqasid al-Sharia Institutional Economics Behavioural Economics and Finance Corporate Governance Risk Management Islamic law and Shariah issues in economics and Finance Securitization and Sukuk Islamic Capital Markets Insurance and Takaful Corporate Social Responsibility in Islam Other topics which related to this area.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 321 Documents
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ANALISIS HERMENEUTIK ATAS PEMIKIRAN YUSUF QARDHAWI TENTANG HADITS-HADITS EKONOMI Sutopo, Sutopo
IQTISHADIA Vol 8, No 2 (2015): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v8i2.957

Abstract

Artikel ini bertujuan untuk menganalisis pemikiran Yusuf Qardhawi dalam kitab As-Sunnah Mashdaran li Al-Ma’rifah wa Al-Hadlarah khususnya tentang hadits-hadits ekonomi. Artikel ini adalah hasil kajian pustaka dengan menggunakan paradigma deskriptif kualitatif. Untuk menganalisis, penulis menggunakan hermenutika sebagai metode untuk memahami teks yang dipaparkan oleh Yusuf Qardhawi. Analisis linguistik dan analisis konsep sangat membantu dalam kajian ini. Dalam kitabnya, Yusuf Qardhawi mengemukakan konsep-konsep yang berorientasi pada bagaimana kesejahteraan ekonomi, dan keadilan sosial bisa diperoleh dan dirasakan bersama. Yusuf Qardhawi menolak konsep pengumpulan harta sebanyak-banyaknya dan keuntungan sebesar-besarnya yang dianut oleh sistem ekonomi konvensional.    Kata Kunci: Hadits-hadits Ekonomi, Konsep Ekonomi Islam, Metode Hermenutika     HERMENEUTICAL ANALYSIS OF YUSUF QARDHAWI’S CONCEPT OF HADITH OF ECONOMY AbstractThis article attempts to analyze Yusuf Qardhawi’s thought in his book -Sunnah Mashdaran li Al-Ma’rifah wa Al-Hadlarah especially about hadith of economy. This is a library research using descriptive-qualitative approach. In doing the analysis, hermeneutics is used as textual analysis method, to understand the thought of Yusuf Qardhawi. Linguistic and content analyses are useful. In his book, Yusuf Qardhawi explained his concepts on achievement of economic welfare and social justice for everyone. He rejected conventional system which aimed at collecting wealth and profit.Keywords:  Hadiths of Economy, Concept of Islamic Economy, Hermeneutics     
Sukuk: A Veritable Tool for Effective Waqf Fund Management in Nigeria Umar, Adamu; Aliyu, Shehu
IQTISHADIA Vol 12, No 1 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i1.4618

Abstract

Since its emergence in the early 2000’s, Sukuk has been regarded as the most significant innovation recorded in the Islamic capital market. Sukuk is generally regarded as an equivalent of conventional bond, Sukuk paved way for mobilization of long term Shari’ah compliant funds for equally Shari’ah compliant undertakings. Islamic capital market experts have developed various Shari’ah compliant Sukuk structures, notable among which is Waqf-based Sukuk structure. Viewed as a distinct ethical capitalism and a veritable vehicle for long term financing, Waqf was found to record tremendous impact in all spares of human needs. The paper seeks to unveil how Waqf-based Sukuk could be used to attain effective mobilization as well as management of Waqf assets. It explores the possibility of issuing Waqf-based Sukuk for the development, renovation, reconstruction and modification of Waqf assets in Nigeria. The paper employs a non-experimental, deductive-analytical approach, in its investigation. Evidences show that Waqf-linked Sukuk has been successful in the development of Waqf assets in countries like Indonesia, Singapore and Saudi Arabia. Accordingly, the paper develops a Waqf-based Sukuk (ijarah) framework for fund mobilization for development of Waqf properties in Nigeria. We strongly recommend that both formal and non-formal Waqf institutions in Nigeria should utilize this outlet to effectively develop, deepen and manage their philanthropic activities.
STRATEGI PEMASARAN DALAM MENINGKATAN USAHA PARA ANGGOTA BAITUL MAAL WAT TANWIL Gunawan, Karebet
IQTISHADIA Vol 10, No 2 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i2.2965

Abstract

Ada berbagai faktor yang menentukan kesuksesan sebagai wirausaha diantaranya modal usaha,pasar, kondisi persaingan, dan trend bisnis.Oleh karena itu, secara teori tidak cukup hanyamengandalkan insting dalam mengambilkeputusan di dunia bisnis tetapi juga faktor yang lain. Lebih dari itu, diperlukan suatu kalkulasi yang komprehensif baik secara kualitatif maupunkuantitatif dari segala aspek yang berkaitandengan usaha yang akan dibuat. orang yangberusaha atau berwiraswasta agar dapat lebihbersaing dan memiliki prospek perkembanganyang bagus, maka sebelum mendirikan orangyang berusaha atau berwiraswasta sebaiknyadilakukan manajemen pemasaran usaha terlebihdahulu.Dalam penelitian kali ini, penulis menggunakan jenis penelitian field Reseach (Penelitian lapangan)yaitu penelitian yang mengambil data primerdari lapangan atau lokasi penelitian tertentu. Jadi dalam hal ini penelitian yang penulis lakukanberdasarkan pada data-data lapangan danliteratur yang berkaitan pada pokok persoalanyang dibahas. Dalam hal ini peneliti ingin menelititentang strategi pemasaran yang baik.Permintaan yang didukung oleh kekuatan tenagabeli disebut permintaan efektif, sedangkanpermintaan yang didasarkan pada kebutuhan sajadisebut sebagai permintaan potensial. Strengthsyang ada dalam pemasaran harus dipertahankanmisalnya sudah punya nama yang baik dansudah tahu bagaimana cara meraih konsumenmaka harus dipertahankan. Weakness adalahmempunyai arti kelemahan yang ada lemahdalam pengendalian keuangan yang dilakukanoleh beberapa usaha misalnya masalah keuangandimana jarang melakukan pencatatan walaupundalam pembuatan nota. Sampai di mana penjualingin menawarkan barangnya pada berbagaitingkat harga ditentukan oleh berbagai faktor.
ANALISIS RASIO LIKUIDITAS, PERMODALAN DAN MANAJEMENDI KSPS BMT LOGAM MULIA Puspitasari, Maya
IQTISHADIA Vol 7, No 1 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i1.1102

Abstract

Tujuan penelitian ini adalah untuk mengetahui tingkat kesehatan KSPS BMT Logam Mulia dilihat dari aspek likuiditas, permodalan dan manajemen. Jenis Penelitian ini deskriptif dengan pendekatan kualitatif. Data dikumpulkan melalui metode interview, observasi, dan dokumentasi. Selanjutnya  data diuji keabsahannya, dianalisis menggunakan  rasio keuangan koperasi dan disajikan. Hasil penelitian menunjukkan  bahwa tingkat kesehatan KSPS BMT Logam Mulia  dilihat  dari aspek likuiditas, permodalan dan manajemen selama tahun 2013 yang terbagi ke dalam  12 bulan nilainya bervariasi. Pertama, Aspek likuiditas bahwa  rasio pembiayaan terhadap dana yang diterima nilainya cukup likuid. Kedua, aspek permodalan  bahwa tingkat  kesehatan  koperasi dilihat dari rasio kecukupan modal (CAR) nilainya sehat. Ketiga, aspek manajemen menunjukkan tingkat kesehatan koperasi dilihat dari manajemen umum nilainya baik.Kata Kunci: Likuiditas, Permodalan, ManajemenANALYSIS OF LIQUDITY, CAPITAL AND MANAJEMEN OF KJKS BMT LOGAM MULIA. The purpose of this article is measuring  the  degree of cooperation health  looking from the aspects of liquidity, capital, and management. Data are collected through  interview, observation, and documentation.  Then, data are analyzed using cooperation financial ratio. Result shows KSPS BMT Logam Mulia in 2013 looking from liquidity, capital and management  are varied. The ratio of finance towards cash credit is liquid. Secondly, its’ CAR is health, and thirdly, its management is also in good condition.Keywords: Liquidity, Capital, Management
Assessing the Impact of Service Quality on Consumers Satisfaction: A Comparative Study of Commercial vs Islamic Banks in Pakistan Yousuf, Muhammad Waqas; Ahmed, Farhan; Talreja, Suman
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3595

Abstract

This study aims to show the path that Islamic banking follows of Sharia’ h while on the other hand commercial banks obeys commercial regulations and rules for the purpose of banking. The main objective of the Islamic banking is to offer interest free services and products which obeys the path of Sharia’ h and Islamic banking system makes transaction on the foundation of profit and loss, while on the other hand commercial banks are business oriented banks. The sampling method used in this research was convenience sampling with a sample size of 200 which were the customers of the banks and the research design of the questionnaire used was exploratory The questionnaire was distributed in 4 banks 2 commercial and 2 Islamic banks respectively. Dependent variables are ‘customer expectation and perception’ while on the other hand independent variable that are used this research are ‘reliability, assurance, tangibles, empathy and responsiveness. The results which are derived from this research shows a negative or less impact of two service quality dimensions on both banks which are Assurance and Empathy. The highest perceived service dimension is “Reliability,” that refers to the reliability of their products and promise to provide the best service quality to their customers. While the lowest perceived service was observed towards “Empathy,” the other two dimension with highest value are tangibility and responsiveness which means that customers’ of both commercial and Islamic banks like tangible service and the quick responsiveness towards providing them the best service.
Studi Komparasi Kinerja Bank Perkreditan Rakyat (BPR) Syariah dan Konvensional di Sumatera Barat Hamidi, Masyhuri
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2318

Abstract

Rural Banks (BPR) have an important role in supporting the Indonesian economy through the provision of financial access to the society and micro, small and medium enterprises. Indonesia has implemented a dual-banking system as its banking system - Islamic banking and conventional banking systems - and BPR are possible to select each of the system to be implemented. In the rapid development of the financial industry Islamic and conventional BPR must be able to compete with other financial institutions like non-bank financing companies. So that, there is an importance to examine the success factor of BPR with the different systems in order to strengthen their position in its industry. This study aims to examine the factors that determines the performance of rural banks (BPR) and make a comparison between the BPR with Islamic and conventional systems in the West Sumatra province. To test the performance of rural banks various financial ratios based on the CAMEL framework are used, including ratio of Capital Adequacy, Asset Quality, Management, Earnings and Liquidity. The method used is quantitative method by using one-way ANOVA and Multiple Linear Regression to the panel data of Islamic and conventional BPR in 2011-2015 period. The results show that there are differences in the factors that determines the performance of Islamic and Conventional BPR.Bank Perkreditan Rakyat (BPR) memiliki peran penting dalam mendukung perekonomian Indonesia melalui penyediaan akses keuangan untuk masyarakat ekonomi lemah dan usaha mikro, kecil dan menengah. Indonesia telah mengimplementasikan dual-banking system sebagai sistem perbankannya yaitu sistem perbankan syariah dan sistem perbankan konvensional dan BPR juga dimungkinkan untuk memilih masing-masing sistem tersebut. Ditengah pesatnya perkembangan industri keuangan saat ini BPR syariah dan konvensional harus mampu bertahan dari persaingan yang diberikan lembaga keuangan lainnya seperti perusahaan pembiayaan non-bank. Untuk itu perlu diketahui apa saja faktor yang menjadi penentu kesuksesan BPR dan bagaimana perbedaan karakteristik yang menjadi penentu kesuksesan BPR dengan sistem yang berbeda tersebut. Penelitian ini bertujuan untuk menguji faktor-faktor yang menjadi penentu kinerja bank perkreditan rakyat (BPR) serta melakukan komparasi antara BPR dengan sistem syariah dan konvensional di Provinsi Sumatera Barat. Untuk menguji kinerja BPR tersebut digunakan berbagai rasio keuangan berdasarkan framework CAMEL yang meliputi rasio Capital Adequacy, Asset Quality, Management, Earnings dan Liquidity. Metode penelitian yang digunakan adalah metode kuantitatif dengan menggunakan one-way ANOVA dan Multiple Linear Regression terhadap data panel dari BPR syariah dan BPR konvensional di Provinsi Sumatera Barat dalam rentang waktu 2011-2015. Hasil analisis memperlihatkan bahwa terdapat perbedaan faktor-faktor yang menjadi penentu kinerja BPR Syariah dan BPR Konvensional.
MANAJEMEN PENGELOLAAN ZAKAT PRODUKTIF DALAM PERSPEKTIF BANK ISLAM Riyadi, Agus
IQTISHADIA Vol 7, No 2 (2014): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v7i2.1093

Abstract

Tulisan ini menganalisis tentang peluang pengelolaan zakat melalui bank syariah. Zakat produktif disadari memiliki peranan penting dalam  mengentaskan kemiskinan  dari pada zakat konsumtif. Argument tulisan ini adalah bahwa zakat produtif akan lebih efektij jika dikelola oleh bank syariah. Sebagai institusi berbasis Islam, bank syariah bisa mengelola dana zakat dengan produk bank yang bebas riba. Lembaga dan organisasi perbankan syariah yang sehat  akan mampu mengelola  zakat secara professional. Proses pengelolaan  zakat produktif  bisa dilakukan dengan tiga cara: penerima  zakat menjadi kreditur dan debitur  sekaligus; transaksi dicatat dalam sistem bagi hasil; zakat diserahkan secara penuh.Kata Kunci: Menejemen, Zakat, Perbankan.MANAGEMENT  OF   PRODUCTIVE ZAKAT  IN   THE PERSPECTIVE OF ISLAMIC BANKING. This article analyzes the probability of zakat management by sharia banking. Productive Zakat considered having  a big  role in alleviating poverty than consumptive zakat. This article argues that it will be more effective if administered by Islam banking. Islam banking as an economic missionary institution can manage  productive  zakat through banking products free of usury. Moreover, a good organization and balance of Islamic banking makes it potential to manage zakat professionally. The management process of productive zakat  can be done by three alternatives; the recipient of zakat at the same time serves as creditor as well as debtor, creditor clients are included in the transaction of profit share, or that the zakat of debtor under the bank assistance is fully given.Keywords: Management, Zakat, Banking.
Linkage Program of Islamic Institutions and Government Institution for Empowering MSMEs: Evidence from Indonesia Sukmana, Raditya; Mawardi, Imron; Widiastuti, Tika; Insani, Taqiyah Dinda; Rini, Nova
IQTISHADIA Vol 13, No 1 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i1.5139

Abstract

The purpose of this study is to analyze how the linkage program of Islamic institutions and government institution in empowering MSMEs and analyze the increase in the range of empowerment. By using a qualitative research approach and descriptive analysis method, the results of this study indicate that there are four parties involved in the empowerment linkage program and each party has their respective roles in the aim of empowering MSMEs. Furthermore, there is also increasing in the range of empowerment in terms of the amount of empowerment program funding and improving the quality of MSME after participating in the empowerment program.
KONFLIK PEKERJA-KELUARGA DAN PENGARUHNYA TERHADAP KINERJA PEGAWAI (Studi Kasus Rumah Sakit Berbasis Islam di Surakarta) Sugiyanto, Eko; Irawati, Zulfa; Padmantyo, Sri
IQTISHADIA Vol 9, No 1 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i1.948

Abstract

Studi ini bertujuan untuk menganalisis: (1) ciri-ciri orang bekerja-konflik keluarga (WFC) di Rumah Sakit berbasis Islam di Surakarta, (2) penyebab bekerja-konflik keluarga (WFC) di Rumah Sakit berbasis Islam di Surakarta. Lokasi research di Rumah Sakit Islam YARSIS Surakarta (YARSIS rumah sakit Islam) dan Rumah Sakit Muhammadiyah PKU Surakarta (PKU Rumah Sakit Muhammadiyah). Studi ini menggunakan pendekatan kualitatif-deskripstif dan informan dipilih dengan sengaja. Teknik Pengumpulan Data termasuk wawancara, kuesioner terbuka, dan dokumentasi. Subyek penelitian ini adalah orang-orang yang memiliki pengalaman bekerja lebih dari 10 tahun di rumah sakit, telah menikah dan mempunyai anak-anak. Hasil yang diperoleh dari studi ini menyatakan bahwa ada delapan kategori konflik keluarga-pekerjaan (WFC). Diantaranya adalah konflik bekerja-tanggungjawab keluarga, obsesi kerja, waktu kerja atas dan kebersamaan keluarga, konflik pekerjaan rumah tangga, pekerjaan dan kehidupan keluarga, memikirkan tentang keluarga selama bekerja, konflik- mengejar karir dan rumah tangga, dan komunikasi keluarga. Hasil yang diperoleh menunjukkan bahwa ada satu kategori yang penting untuk konflik pekerjaan- keluarga, yaitu kelelahan fisik.Kata Kunci: Konflik Keluarga-Kerja, Konflik Berbasis Waktu, Konflik Berbasis Ketegangan, Konflik Berbasis Perilaku WORK-FAMILY CONFLICT AND ITS INFLUENCE ON THE PERFORMANCE OF WORKERS(Case Study of Islamic based Hospitals in Surakarta) AbstractThis study aimed to identify: (1) the characteristic of work-family conflict (WFC) in Islamic based Hospital at Surakarta, (2) the cause of work-family conflict (WFC) in Islamic based Hospital at Surakarta. The locations of research are Rumah Sakit Islam YARSIS Surakarta (YARSIS Islamic hospital) and Rumah Sakit PKU Muhammadiyah Surakarta (PKU Muhammadiyah hospital). This study uses descriptive-qualitative approach and informants are choosen purposively. Data collection techniques include interviews, open-questionaire, and documentation. Subjects of this study are those who have working experience more than 10 years at hospital, have married and have children. Result obtained from this study states that there are eight categories of work-family conflict (WFC).They are: conflict of working-family responsibility, obsession of work, working-time over family-time, conflict of household-work, family live-work, thinking about family during working, conflict of household- pursuing carreer, and family communication. Result obtained shows that there is one category that significant to work-family conflict, that is physical fatigue. Keyword: Work-Family Conflict, Time Based Conflict, Strained-Based Conflict, Behavior-Based Conflict. 
Faktor-Faktor Yang Mempengaruhi Tingkat Profitabilitas Bank Pembiayaan Rakyat Syariah (BPRS) Di Aceh Yusuf, Muhammad Yasir; Mahriana, Wan Sri
IQTISHADIA Vol 9, No 2 (2016): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v9i2.1731

Abstract

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