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Luqman H
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jeps@sebi.ac.id
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INDONESIA
Jurnal Ekonomi dan Perbankan Syariah
ISSN : 23551755     EISSN : 25796437     DOI : https://doi.org/10.46899/jeps.v9i1
Core Subject : Economy, Social,
Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers since 2013. Starting in 2018 onwards, we encourage authors to only submit research papers written in good-read English academic writing. The journal is designed to provide a forum for researchers or academicians and also practitioners who are interested in knowledge and in discussing ideas, issues and challenges in the field of Islamic economic and banking. To solve the problem of the ummah and to provide the solution for the gap between the theories and practices. The scope or coverage of this journal will include but are not limited to Islamic economics, Islamic business, Islamic banking, Islamic capital markets, Islamic wealth management, issues on shariah implementation/practices of Islamic banking, zakat and awqaf, takaful, Islamic corporate finance, shariah-compliant risk management, Islamic derivatives, issues of Shariah Supervisory Boards, Islamic business ethics.
Articles 102 Documents
TINJAUAN FIQIH MUAMALAH TERHADAP PRAKTEK BISNIS COST PER ACTION (CPA): STUDI KASUS DI WWW.ACCESSTRADE.CO.ID Firmansyah Firmansyah; Muhammad Hafizh
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i2.161

Abstract

ABSTRAK: Tujuan penelitian ini adalah untuk mengetahui akad yang digunakan di dalam sistem CPA antara advertiser, Access Trade, publisher dan untuk mengetahui praktek bisnis yang diterapkan apakah sudah memenuhi prinsip muamalah. Penelitian ini merupakan penelitian deskriptif kualitatif dengan menggunakan metode penelitian lapangan (field research), dan jika mengacu pada pokok permasalahan dan tujuan penelitian, maka penelitian ini termasuk penelitian studi kasus (case study). Sedangkan dalam pengumpulan data menggunakan dokumentasi naskah dan penulis berpartisipasi dalam program CPA ini. Penulis menganalisis data ini dengan menggunakan metode analisis deskriptif yaitu usaha mengumpulkan dan menyusun suatu data, kemudian dilakukan analisis dan interpretasi terhadap data tersebut, dengan kata lain memberikan gambaran yang jelas dan akurat tentang masalah yang diselidiki. Dalam prakteknya sistem CPA ada tiga pihak yang ikut andil, yaitu advertiser, Access Trade, dan publisher. Dalam hubungan hukumnya, terdapat dua hubungan dan masing-masing akad yaitu antara advertiser dengan publisher menggunakan akad ijarah dan publisher dengan Access Trade menggunakan akad ju’alah. Hasilnya adalah pelaksanaan sistem CPA di www.accesstrade.co.id ini tidak menyimpang dari hukum islaABSTRACT: The purpose of this study was to determine the contract used in the CPA between the advertiser system, Access Trade, publisher and business practices to determine whether it meets the principles applied muamalah. This research is a qualitative descriptive study using field research, and if it refers to the subject matter and purpose of the study, the study includes a case study. Whereas in the collection of data using the script documentation and writers participating in this CPA program. Authors analyzed these data using descriptive analysis method is an effort to collect and compile the data, then analysis and interpretation of the data, in other words give a clear and accurate picture of the problem investigated. In practice the CPA system, there are three parties took part, namely the advertiser, Access Trade, and publisher. There are two relationships and each contract is between the advertiser and the publisher using Ijarah contract publisher with Access Trade using ju'alah contract. Te result shown tha the implementation of the CPA in www.accesstrade.co.id system does not violate the Islamic law.
THE EFFECT OF NON-MUSLIM COMMUNITY’S PERCEPTION ON INTEREST IN BECOMING SYARIAH BANK CUSTOMERS IN THE CITY OF BEKASI, WEST JAVA Muhammad Rafi Aziz; Atiyah Fitri; Muhammad Doddy AB
Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i2.225

Abstract

This study aims to determine whether the cognitive perception, affective perception, and conative perception variables affect the people’s interest to become customers of Islamic banks in Bekasi City. It uses quantitative methods. As it uses the Slovin formula, the number of respondents was 100 out of a total population of 320,984 non-Muslim community in Bekasi City. The data analysis in this study adopted Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach and the data was processed using PLS 3.0. Based on the results of the data analysis, cognitive variables and affective variables do not have a significant effect on the people’s interest in becoming customers of Islamic banks in Bekasi City, while the conative variables have a significant effect on the people’s interest in becoming customers of Islamic banks in Bekasi City.
Fiqh Solutions Against Usury (Riba) Practices In Conventional Banking Asgaft Asy-Syad Rasyid
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.96

Abstract

The discussion of usury as if there had never been an endpoint, from the time of the companions of the prophet to contemporary Islamic scholars. Especially when the practice of usury appears in banking financial institutions. The majority of contemporary Islamic scholars such as Yûsuf Al-Qaradhāwi, view that the operation of conventional banks based on interest is unlawful, because this is the same as usury. In line with the fatwa of the Indonesian Ulema Council (MUI), which states that all forms of money interest practices within financial institutions are illegal. Over time, financial transactions (muamalah) carried out by someone also need instruments of financial institutions. So, a solution is needed for a Muslim to conduct financial transactions with the banking world. The fiqh study provides space for Muslims to conduct financial transactions both with individuals and with an institution while remaining based on applicable Islamic law.
Peranan LEmbaga Keuangan Mikro Syariah Dalam Mendorong USaha Kaum Perempuan Rianti Pratiwi
Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2013): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v1i1.139

Abstract

Program pembiayaan mikro yang ditujukan untuk kaum perempuan, ataupun program pembiayaan mikro secara umum, yang diharapkan dunia menjadi kunci pengentasan kemiskinan, sesungguhnya masih menyimpan masalah. Namun demikian nyatanya, tidak dipungkiri sebagian besar usaha yang dikelola oleh kaum perempuan, dimana mayoritas berskala mikro, masih menjadikan faktor finansial atau modal usaha menjadi kendala utama. Dalam hal ini kehadiran Lembaga Keuangan Mikro Syariah (LKMS) sangat diperlukan, mengingat LKMS setidaknya memiliki keunggulan antara lain, tidak menerapkan sistem ribawi -yakni faktor utama atas kegagalan suatu sistem keuangan termasuk microfinance-, bersifat sosial bisnis, dapat menciptakan produk keuangan yang inovatif untuk keperluan usaha kaum perempuan dan juga faktor kedekatan wilayah LKMS dengan para nasabahnya. Dalam kajian ini juga disimpulkan bahwa LKMS harus dapat berperan sebagai pusat pembelajaran bagi nasabahnya, yakni dengan memberikan pendampingan, baik dalam hal administrasi keuangan usaha, maupun mensosialisasikan pemahaman tentang ekonomi Islam. Hal-hal tersebut merupakan kesatuan perangkat agar tujuan dari adanya pembiayaan mikro yang ditujukan kepada kaum perempuan tidak menyimpang, yaitu mewujudkan kemaslahatan.Kata kunci: Pembiayaan mikro, Usaha mikro, Perempuan, Peran LKMS, Kemaslahatan.AbstractMicrofinance programs aimed for women, or microfinance program in general, which is expected to be a key for the world poverty, actually still have problems. However, in reality, there is no doubt that most of the businesses run by women, which the majority are micro-scale, still make financial factors or venture capital is the main constraint. In this case the presence of Islamic Microfinance Institutions (LKMS) is necessary, given that LKMS at least have some advantages, among others financial institution such, do not apply the usury/interest system (which is the main factor for the failure of the financial system, including microfinance), has a social business characteristic, can create innovative financial products to women business purposes and also its proximity to the region LKMS customers. In this study also concluded that LKMS should be able to act as a center of learning for its customers, by providing assistance, both in terms of financial administration efforts, and disseminate an understanding of Islamic economics. Those things are a unity of devices, so that the purpose of the microfinancing aimed for women are not deviated, namely to realize the mashlahah.Keywords: Microfinance, Micro Business, Women, LKMS Role, Mashlahah.
ANALISIS PERBANDINGAN VOLATILITAS INDEKS HARGA SAHAM IHSG DAN JII Amirul Mukmin; Firmansyah Firmansyah
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i1.155

Abstract

ABSTRAK: pasar modal syariah memiliki beberapa perbedaan dengankonvensional pada jenis jenis surat berharga dan tingkat risikonya. Saham adalah salah satu surat berharga yang memiliki risiko tinggi. Salah satu risiko yang ada adalah fluktuasi harga yang di kenal dengan volatilitas. Tujuan dari penelitian ini adalah membandingkan volatilitas risiko indek harga saham di Indonesia dengan metode GARCH. Data yang di gunakan adalah dari IHSG dan JII mulai dari 1 mei 2013 sampai 31 desember 2014. Penelitian ini menemukan bahwa volatilitas mempengaruhi IHSG dan JII. Hasil forecast variance menunjukan bahwa fluktuasi dan proporsi varian IHSG dan JII 0.05. namun demikian, jika dilihat dari proporsi divergennya adalah 0.05 dan 0.04 artinya volatilitas risiko IHSG lebih tinggi daripada JII. Namun jika di lihat dari nilai akurasinya, JJI lebih Akurat daripada IHSG.Kata kunci: IHSG, JII, Volatilitas, Pasar modal syariah dan GARCH.ABSTRACT: Islamic Capital marketand conventional have some typesecurities which have different risks levels. A stock is one of security among other securities that have the high level of risk. One of the risk that exist in the stock is fluctuations price, it is commonly called as volatility. The aimed of this research is to know the comparative volatility risks of stock price index in Indonesia with GARCH Method. The samples taken in this study is Indek Harga Saham Gabungan (IHSG) and Jakarta Islamic Indexs (JII), from 1 May 2013 to 31 December 2014. The research found that there the volatility influence the IHSG and JII. The forecast of variance results showed that the fluctuations and the proportion of the variant of the IHSG are same as with JII that is 0.05.Nevertheless, when viewed from diverge proportion of IHSG and JII each of them are 0,05 and 0,04, it means the volatility risk IHSG is higher than JII and if it seen from the accuracy percentage of forecast, JII is more accurate that is amounted 16.83% contrasted with IHSG it is 12.99%.Keywords: ISHG, JII, volatility, Islamic capital maret and GARCH
The Effect of Career Development and Motivation of Employee Performance in Syariah Mandiri Bank Regional III Office Jakarta Dita Novitayanti; Muhammad Doddy AB; Nursanita Nasution
Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i1.175

Abstract

This study aims to examine the effect of career development and motivation on employee performance. This research using quantitative research. Data were obtained by questionnaires to 37 respondents who worked at BSM Region III Office in 2020. The sampling technique in this study is non-probability sampling, with the Partial Least Square (PLS) approach is using a data analysis technique. Based on the results of data analysis,  career development has a significant effect on employee performance and motivation has a significant effect on employee performance. Therefore, by providing career development opportunities and motivation for employees will improve employee performance. Keywords: Career Development; Motivation; Employee Performance
Sudah Sampai Manakah Riset Keuangan Mikro Syariah Kita? Aam S. Rusydiana
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 6, No 1 (2018): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v6i1.85

Abstract

This study tries to review the research around Islamic microfinance institution. It uses descriptive statistical analysis based on selected 100 journal publications or paper related to Islamic microfinance institution, both national and international journal. The entire sample journal publications have published for ten years from 2007 to 2016. The Results show that Islamic microfinance institute research is still dominated by the discussion about Islamic microfinance institution (54%), followed by eradication of poverty (25%), then financing the poor societies (11%) and the last is about management of Islamic microfinance institution (10%). In addition, Indonesia, Malaysia and Pakistan are being the highest of Islamic microfinance study area, while the majority of publications area are from Indonesia, United States and United Kingdom. Furthermore, the comparison of quantitative research and mixed methods are still less than the qualitative approach.
Analysis Of The Influence Of Organizational Culture And Satisfaction On Employee Performance (Case Study: Kspps Dana Ukhuwah) Waffa Mutia Mutafannin; Nining Nurhasanah
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i2.116

Abstract

This study aims to find out how the influence of organizational culture and satisfaction on the performance of employees at KSPPS Dana Ukhuwah. This study uses correlative or correlational models with the quantitative type of qualitative research. Based on the primary data in the form of questionnaires distributed to employees and secondary data in the form of journals, books and etc. By using Multiple Linear Regression analysis, it can be seen the effect of each independent variable on the dependent variable partially and the effect of independent variables on the dependent variable simultaneously. Based on the results of the analysis of this study, organizational culture variables have a positive and significant influence on employee performance partially and conversely the satisfaction variable does not have a positive and significant effect on employee performance. However, simultaneously organizational culture and satisfaction have sufficient influence on employee performance.
ANALISIS DAMPAK UU NO. 23 TAHUN 2011 TENTANG PENGELOLAAN ZAKAT TERHADAP EKSISTENSI DAN KEBERLANGSUNGAN LEMBAGA AMIL ZAKAT (STUDI KASUS LEMBAGA AMIL ZAKAT PKPU) Hamzah Rabbani; Dadang Romansyah
Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 2 (2014): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v2i2.150

Abstract

Self-reliance in managing zakat in Indonesia has developed the last ten years. Through the Institute of Amil Zakat, they could design the communities with professionally, transparently, and accountable. Along with the developing of institutions of amil zakat from traditional to modern institutions, there are many institutions adapt the conventional disciplines. But since, the appering the Government Act No. 23 of 2011 on zakat management affected to this institutions to accommodate it, for example is PKPU. The community of LAZ (KOMAZ) tried to eximine the material of UU.23/2011. However, the Constitutional Court issued the regulation so PKPU as LAZ that established more than 10 years has to incorporate and needs to renew the strategic plans to face it.Keywords: Amil Zakat (LAZ), Badan Amil Zakat Nasional (BAZNAS), UU No.23 tahun 2011 tentang pengelolaan zakat, PKPU
DOMINATION RIBAWI TRANSACTIONS IN THE ECONOMY Dyarini Dyarini
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 5, No 1 (2017): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v5i1.163

Abstract

ABSTRACT. Though the fight against usury command is a cornerstone ofIslamic finance but the debate about the significance of the word "Riba"precisely still persistent. since the beginning of the advent of Islam, the majority of scholars has adopted a strict definition of usury, that all forms of interest can be said to be riba. but the debate continually held until now. some opinions reject these definitions and argued that Islam tolerate a reasonable interest rate.  Therefore, this article will explain about riba and significance.Keywords: Riba, Economic Transaction, Islamic Economic ABSTRAK. Perang terhadap riba adalah salah satu inti dari ajaran Islam, tetapi diskursus tentang signifikansi kata “Riba” masih terus bergulir. Sejak awal masa Islam, mayoritas Ulama telah mengadopsi secara jelas definisi riba, bahwa seluruh bentuk tambahan dapat dikatakan sebagai riba. Tetapi debat terus berlanjut hingga saat ini. Beberapa pendapat menolah defenisi ini dan beragumen bahwa Islam menolerir suatu tingkat suku bunga tertentu. Olehkarena itu, artikel ini akan menjelaskan tentang riba dan signifikansinya.Keywords: Riba, Transaksi Ekonomi, Ekonomi Islam

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