EKSYA: Jurnal Ekonomi Syariah
EKSYA adalah Jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal dengan scope ekonomi, ekonomi syariah, Hukum Ekonomi Syariah, Perbankan Syariah, keuangan syariah, dan bisnis syariah, Hukum Ekonomi dan Akuntansi Syariah
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<![CDATA[PERCEPATAN KEUANGAN INKLUSIF MELALUI INTEGRASI PEMBIAYAAN SYARIAH DENGAN BADAN USAHA MILIK DESA (BUMDES) ]]>
<![CDATA[Lokot Zain]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[Salah satu akar permasalahan dalam menciptakan sistem keuangan yang inklusif adalah terbatasnya penetrasi pasar dari lembaga keuangan formal ke wilayah perdesaan. Hal ini disebabkan oleh asumsi inefisiensi biaya jika mereka harus menyasar masyarakat perdesaan, sehingga potensi pembiayaan macet menjadi tinggi. Secara konseptual, persoalan tersebut dapat diatasi melalui peningkatan diversifikasi keuangan dan urgensi penetrasi keuangan ke wilayah perdesaan. Pembiayaan syariah adalah salah satu upaya untuk meningkatkan diversifikasi produk dan jasalayanan keuangan, sementara pelibatan BUMDEs diperlukan untuk meningkatkan penetrasi keuangan di wilayah perdesaan. BUMDEs dinilai sebagai bentuk kelembagaan representatif karena berpedoman pada prinsip mencari keuntungan sekaligus menciptakan kesejahteraan sosial. Meski demikian, upaya untuk mengintegrasikan antara pembiayaan syariah dengan BUMDEs dihadapkan pada tantangan masih rendahnya rata-rata kapasitas masyarakat desa selaku pengelola BUMDEs. Untuk itu, uraian dalam tulisan ini mengusulkan pentingnya meningkatkan keterampilan dan pengetahuan masyarakat desa, khususnya pengelola BUMDEs mengenai pembiayaan syariah melalui kegiatan edukasi, literasi, dan skema pemberdayaan. Program tersebut sebagai prasyarat dalam menciptakan produk dan jasa layanan keuangan pembiayaan syariah yang sesuai dengan hukum fiqih sekaligus mampu diterima oleh pasar. Upaya ini diharapkan mampu mempercepat keuangan inklusif di perdesaan yang dilakukan dengan peningkatan pembiayaan syariah melalui peranan BUMDEs.]]>
<![CDATA[KONTRIBUSI EKONOMI ISLAM DALAM PERTUMBUHAN EKONOMI NASIONAL ]]>
<![CDATA[Tina Arfah]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[Tulisan ini membahas secara deskriptif kontribusi ekonomi Islam dalam pertumbuhan ekonomi nasional. Pertumbuhan ekonomi merupakan indikator dalam menigkaatkan kesejahteraan hidup rakyat. Dalam meningkatkan pertumbuhan ekonomi ada beberapa program –program yang harus harus dijalankan pemerintah dan masyarakat salah satunya konsep ekonomi Islam. Dalam tulisan ini akan dijelaskan mengenai peran ekonomi islam dalam pertumbuhan ekonomi nasional dari sektor perbankan, sektor asuransi, sektor mikro dan lain-lain.Dalam menjalakan konsep ekonomi Islam di Indonesia ada beberapa kendala- kendala yang dihadapi antara lain keterbatasan Sumber Daya Insani (SDI), supervisi ekonomi syariah, kurangnya infrastruktur, sarana dan prasarana, baik menyangkut software maupun fisik beserta kurangnya sosialisasi, promosi, informasi, edukasi dan koordinasi.]]>
<![CDATA[PENERAPAN KONSEP KHIYAR PADA JUAL BELI BATU BATA DI KEC. PANYABUNGAN UTARA, KAB. MANDAILING NATAL ]]>
<![CDATA[Asrul Hamid]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[Khiyar adalah hak pilih yang diberikan penjual kepada pembeli untuk melanjutkan atau memutuskan pembelian dalam transaksi jual beli. Penerapan hak khiyar pada jual beli batu bata di Kec. Panyabungan Utara Kab. Mandailing Natal, dimana penjual memberikan khiyar kepada pembeli tanpa menjelaskan baik dan buruknya kualitas barang dengan waktu tidak lebih dari satu hari serta mereka menekankan bahwa barang yang sudah dibeli tidak dapat dikembalikan lagi. Menurut pandangan hukum Islam, hal tersebut tidak sesuai karena tiap transaksi jual beli selain harus memenuhi rukun dan syarat jual beli juga harus menerapkan konsep khiyar. Hak khiyar baik khiyar syarat, khiyar majelis, ataupun khiyar aib harus diperhatikan agar timbul kerelaan dan keridhoaan serta kejujuran kedua belah pihak dalam transaksi jual beli yang dilakukan sehingga tidak terjadi permasalahan di kemudian hari.]]>
<![CDATA[KELOMPOK USAHA BERSAMA (KUBE) DALAM RANGKA PEMBERDAYAAN EKONOMI MASYARAKAT MISKIN DI KABUPATEN PADANG LAWAS UTARA ]]>
<![CDATA[Paisal Rahmat]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[The economic empowerment of the poor in the Village is more needed than in the City, this shows that what is needed in rural areas must be more intensive. The importance of involving the community as a major supporter in development in Indonesia. This shows the change in the development paradigm to empowering the poor who directly manage their businesses. Along with the Joint Business Group (KUBE) meeting in Padang LawasUtara Regency. Through the Joint Business Group (KUBE) the community is empowered to support the economy channeled through the Social Service North Padang Lawas Regency, North Sumatra Province. The problem in this study was: How to empower the community economy through the Business Group (KUBE) in North Padang Lawas Regency. Regarding the objectives to be achieved in this study are: to study the Forms of the Implementation of Poor Economic Empowerment through Joint Business Groups (KUBE) in North Padang Lawas District, North Sumatra Province. This research includes qualitative research. The research conducted in this study is a field research with a descriptive method or approach. Descriptive research is a research method that addresses existing phenomena, which take place at this time or in the past. Descriptive research is intended to describe what situations or phenomena exist. The results of this study reveal that: The Economic Empowerment of the Poor through Joint Business Groups (KUBE) in the North Padang Lawas Regency is already underway with the concept of community economic empowerment in general, where members of the Joint Business Group (KUBE) are involved in various business activities. and the Office of Social Affairs accompanies, Monitoring and Evaluation in group business development. This success is measured by the principles of justice, equality, participation, appreciation for work ethic, please help (ta'awun)]]>
<![CDATA[PERKEMBANGAN WAKAF DI INDONESIA (POSTIVISASI HUKUM WAKAF) ]]>
<![CDATA[Ahmad Faisal]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[Abstrak Indonesia adalah negara yang menganut sistem hukum Eropa Kontinental yang berlandaskan pada paradigma positivistik, Untuk mengetahui perjalanan hukum Islam di Indonesia, maka salah satunya dapat dilihat dari perkembangan positivisasi hukum Islam khususnya hukum wakaf dalam sistem ketatanegaraan di Indonesia. Saat ini wakaf belum dikelola secara optimal. Salah satu faktor yang mempengaruhinya adalah masih terbatasnya pemahaman masyarakat terhadap ibadah wakaf ini. Oleh karena itu perlu memberikan gambaran terhadap sejarah perkembangan zakat yang dikaji dari aspek hukum perwakafan yang undangkan maupun yang ditetapkan pemerintah. Penelitian ini merupakan penelitian kepustakaan (library research dengan pendekatan dari segi peraturan perundang-undangan dan ketentuan lain yang berlaku yang berkaitan dengan wakaf melalui studi kepustakaan.Penelitian ini menggunakan metode analisis data kualitatif yaitu yuridis normatif yang disajikan secara deskriptif. Pada masa pemerintah kolonial Belanda, peraturan wakaf yang dikeluarkan memiliki semangat untuk menertibkan administrasi tanah wakaf di bawah naungan bupati atau pejabat yang berwenang. Setelah Indonesia merdeka, keluarnya Undang-undang Republik Indonesia Nomor 5 Tahun 1960 tentang Agraria mengamanatkan bahwa perwakafan tanah milik dilindungi dan diatur dengan peraturan perundang-undangan. Amanat ini kemudian diwujudkan dalam bentuk Peraturan Pemerintah Nomor 28 Tahun 1977 tentang Perwakafan Tanah Milik. Positivisasi hukum perwakafan berlanjut dengan lahirnya lahir Intruksi Presiden Nomor 1 Tahun 1999 tentang Penyebarluasan Kompilasi Hukum Islam. Dari kedua produk hukum ini, terjadi pergeseran objek wakaf dari tanah milik meluas menjadi benda milik. Undang-Undang Nomor 41 Tahun 2004 tentang Wakaf lahir sebagai implikasi dinamika sosial yang berkembang beriringan dengan itu juga lahir fatwa DSN MUI yang turut memberi dukungan. Penambahan objek wakaf terutama uang menjadi harapan berkembangnya wakaf dan wujud perhatian pemerintah yang serius.]]>
<![CDATA[EPISTEMOLOGI KONSUMSI HALAL DALAM PERSPEKTIF ISLAM ]]>
<![CDATA[Mufti Fahrizal Harahap]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[The main economic activity is consumption. After consumption and new consumers there are other activities such as production/producer, distribution/distributor and others. Consumption in Islam is an effort to meet both physical and spiritual needs so that they are able to maximize their human function as a servant of Allah to obtain prosperity or happiness in the world and the hereafter (falah). This research is a type of descriptive paper (descriptive research) with qualitative research, namely research procedures that produce descriptive data in the form of written words from people and observed behavior, supported by literature studies or literature studies based on an in-depth literature review, so that reality well understood. In doing consumption, consumer behavior, especially Muslims, is always and must be based on Islamic Sharia. The influence of food on human life is very large and it also affects one's soul, including prayer, making the soul calm, then a bribe that is forbidden into the stomach, it will not be accepted by its deeds for forty days, bad food will damage health and destructive also to the mind.]]>
<![CDATA[POTENSI PENDIRIAN BANK WAKAF MIKRO SEBAGAI SARANA PENGUATAN EKONOMI UMAT ISLAM (STUDI KASUS PESANTREN DI KABUPATEN MANDAILING NATAL) ]]>
<![CDATA[Vebri Sugiharto]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[The government's implementation of strengthening the Islamic economy has received recognition from the community. The government's goal is to carry out the economic strengthening so that the people are freed from the economic hardships amid the Covid-19 that is plaguing Muslims today. Efforts to strengthen the Islamic economy by encouraging the establishment of small capital banks operating in Islamic boarding schools. The presence of the Small Waqf Bank (BWM) is expected to be able to facilitate the economy of the community around the pesantren environment. The presence of a small endowment bank in Islamic boarding schools in the Mandailing Natal Regency aims to facilitate the financing of the Mandailing Natal community. The aim of this study is to provide an overview, organization and mechanism of the work of small capital banks to facilitate the economy of Muslims in Islamic boarding schools. Thus, this research uses qualitative research with the descriptive type. The results of this study point to the possibility of establishing a small endowment bank in the pesantren environment of the Mandailing Natal Regency.]]>
<![CDATA[DHARIBAH DALAM KAJIAN FILSAFAT EKONOMI ISLAM ]]>
<![CDATA[Martua Nasution]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[Economic philosophy is the basic orientation of economics, which can differ from one religion to another, or from one school to another because of a different frame of reference. These philosophical values then become the frame of reference for Islamic economic principles. The principles of Islamic economics then become the basis for thinking and behaving in all economic activities in society, including dharibah (tax) activities. The purpose of this research is to see further how dharibah is in Islamic economic philosophy. The research method used is qualitative research with library research, namely examining written sources from various literature references, which is carried out by collecting data, then reviewing and analyzing data obtained from various written sources. The results of the study indicate that dharibah (tax) in Islam is one source of state revenue based on ijtihadulilamri approved by the House of Representatives (ahlilhalliwalaqdi) and the approval of scholars used to finance development and the benefit of the people. Some jurists are of the opinion that there is no other obligation on property other than zakat. Meanwhile, some other jurists are of the opinion that there are other obligations on assets other than zakat. These jurists do not object that the obligation on assets that is obligatory is zakat, but if conditions arise that require additional needs (darurah), then there will be additional obligations in the form of dharibah (taxes).]]>
<![CDATA[STRATEGI MARKETING BANK MUAMALAT DALAM MENARIK NASABAH MELALUI ANALISA SWOT ]]>
<![CDATA[Nurintan Siregar]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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<![CDATA[This paper discusses the marketing strategy of Bank Muamalat in attracting customers through SWOT analysis. The research method used is field research with a qualitative approach, which focuses on solving appropriate problems regarding the marketing strategy of Bank Muamalat products by collecting primary and secondary data, analyzing the results of data collection and making interpretations and conclusions. The results of this study are that the advantages of the bank muamalat strategy can be seen from the socialization to campuses and schools about bank muamalat programs. Bank Muamalat is also the first pure sharia bank in Indonesia. While the weakness of Bank Muamalat is the lack of facilities and infrastructure such as the number of bank offices, ATM machines, so that many customers wonder what if they want to take cash in savings. If you use a Prima ATM or ATM Bersama, it also requires a fee to take savings. The existence of socialization to campuses and to schools about Bank Muamalat programs is a very good opportunity to attract customers. The existence of the phenomenon of "Ayo Hijrah" makes more and more people to open accounts at Muamalat bank. As the first pure sharia bank, Muamalat bank became a big capital in its marketing strategy to attract customers. Bank Muamalat's challenge is the lack of supporting facilities and infrastructure such as the lack of sub-branches and ATM machines]]>
<![CDATA[EFEKTIVITAS LABELISASI HALAL USAHA KIPANG DITINJAU DARI EKONOMI ISLAM (STUDI KASUS USAHA KIPANG DIAN KELURAHAN PANYABUNGAN II) ]]>
<![CDATA[Siti Kholijah]]>
<![CDATA[ EKSYA : Jurnal Ekonomi Syariah Vol. 2 No. 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH ]]>
Publisher : <![CDATA[Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal ]]>
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DOI: 10.56874/eksya.v2i1.1078
<![CDATA[This study aims to find out how the Effectiveness of the Halal Label for Kipang Dian Business Products and how the Islamic Economic Review is on the halal labeling of Kipang Dian businesses. The data collection technique carried out by the author is by interviewing the owner of the Kipang Dian Business and observations made on retail traders and consumers, as well as the addition of reading books and also other sources related to the research title. Furthermore, the results of the study were analyzed through a descriptive analysis method which described how the level of effectiveness of Halal Labeling for Kipang Dian Business Products and how the Islamic Economic Review of Kipang Dian's business halal labeling. The data used in this study are primary data and secondary data with research subjects consisting of business owners, employees, traders and consumers. The results showed that the effectiveness of the Halal Label for Kipang Dian Products was influenced by 4 factors, namely product, price, location and promotion. Based on the results of the study, the use of halal labeling on Kipang Dian is very beneficial for Kipang Dian owners themselves as well as for traders/agents because the existence of a halal label on Kipang Dian can increase consumer trust and satisfaction in Kipang Dian than other kipang which do not there is a halal label. From an Islamic economic point of view, the use of halal labeling on kipang dian businesses can provide economic benefits for business actors, consumers and the government. It also provides opportunities for entrepreneurs that are much better and more widely open and are products that comply with halal in accordance with Islamic law.]]>
