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Moh Arifin
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Iqtisadie: Journal of Islamic Banking and Shariah Economy
Published by Sekolah Tinggi Agama Islam Al Fithrah
ISSN : -     EISSN : 28074157     DOI : https://doi.org/10.36781/iqtisadie
Core Subject : Economy,
Economics, Econometrics & Finance
that Journal is published twice a year every March and September. This journal contains studies on bank and non-bank Islamic financial institutions and Islamic economics. This journal can be accessed openly which means that all the content available is freely accessible at no cost, either to the user or to the institution. Users are permitted to read, download, copy, distribute, print, search, or cite the full text of the articles without having to seek prior permission from the publisher or author.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 34 Documents
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Metode Camels dan Islamicity Performance Index Pada Kesehatan Bank: Metode Camels dan Islamicity Performance Index Pada Kesehatan Bank safarinda imani rinda; Mauizhotul Hasanah
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 1 (2021): Maret 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (668.085 KB) | DOI: 10.36781/iqtisadie.v1i1.153

Abstract

Bank Indonesia as the central bank needs a control over the banks to find out how the financial condition and business activities of each bank are by means of CAMELS measurements. CAMELS consists of a bank capital ratio (capital adequacy), earning asset quality ratio (asset quality), management ability to manage risk (management of risk), earning ability ratio (earning ability), liquidity ratio (liquidity sufficiency), and the ability to deal with market changes (sensitivity to market risk). The measurement of bank health is more focused on the financial aspects, and the regulations regarding bank health assessment apply to both conventional and Islamic banks. For conventional banks, the bank's soundness assessment is appropriate because conventional banks are profit oriented. For Islamic banks, the regulation on bank health assessment is not appropriate because the function of Islamic banks is not only profit oriented but also social oriented according to the mandate of Law no. 10 of 1998, and must be in accordance with the maqasid of sharia. Therefore it is necessary to look for alternative ways of assessing the health of Islamic banks that not only consider financial aspects but also accommodate social and sharia aspects. Soul, mind, descent, Mall that measures assets and the level of risk that will occur. Islamic banks also need to develop an index called the Islamicity Performance Index, so that the performance of Islamic financial institutions can really be measured starting from personal education, profit sharing, zakat ratios, and Islamic investment. This type of research used in this research is library research or library research.
Pengaruh Tingkat Bagi Hasil dan Promosi Terhadap Minat Nasabah Deposito Barokah: Pengaruh Tingkat Bagi Hasil dan Promosi Terhadap Minat Nasabah Deposito Barokah Faruk Faruk
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 1 (2021): Maret 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1074.569 KB) | DOI: 10.36781/iqtisadie.v1i1.154

Abstract

Islamic banking is an Islamic banking financial institution that has an important role in the economic development of a country. The most important banking activity is to raise funds from the wider community by offering a variety of products and facilities to be provided to prospective customers and one of The highest collection of funds, namely DPK (Third Party Funds) is largely dominated by deposit products. Many factors affect the rapid growth of deposits one of which is the level of profit sharing and promotion carried out by Islamic bank financial institutions for customers. This study examines the effect of the level of profit sharing and promotion on customer interests. The purpose of this study was to determine the factors of the level of profit sharing and promotion affect customer interest. The population used in this study is the barokah deposit customers at the East Java KCP SyariahWiyung Bank in Surabaya. The samples used in this study were 75 customers. The online questionnaire was distributed to barokah deposit customers containing the profit sharing, promotion and customer interest factors. In analyzing the data of this study using quantitative methods that are descriptive statistics with a Likert scale measurement.Data processing in this study uses multiple linear regression analysis. The method used in this study is random sampling, namely simple random sampling. Data collection techniques were processed using SPSS software version 21. The results of this study indicate the variable level of results with t-test values ​​obtained sig 0.00<0.05 partially significant effect on customer interest, promotion variables with t-test values ​​obtained sig 0.00<0.05 partially affect customer interest. The results of this study indicate the two variables, namely the level of profit sharing and promotion with a value (F-count) 87.208>(F-table) 3.12 simultaneously a significant effect on customer interest. 05 partially influences customer interest.
Spriritual Konsumsi dalam Ekonomi Islam: Pendekatan Filsafat dan Al Qur’an: Spriritual Konsumsi dalam Ekonomi Islam: Pendekatan Filsafat dan Al Qur’an Moh Arifin arifin
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 1 (2021): Maret 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1057.546 KB) | DOI: 10.36781/iqtisadie.v1i1.155

Abstract

The existence of intense competition requires a bank to compete in controlling the market and even want to be in the most influential position in the competitive market. A bank needs to conduct a study in marketing strategy because it aims to test and assess the extent to which the marketing of the products produced can support the development of a planned business or business. The marketing strategy in the economic sector in Indonesia is developing quite rapidly, one of the most important things in the economic sector is marketing. Wherever a company is established, it must have a strategy to excel in competing in developing and advancing its company, such as in the financial sector.The marketing strategy in the economic sector in Indonesia is developing quite rapidly, one of the most important things in the economic sector is marketing. Wherever a company is established, it must have a strategy to excel in competing in developing and advancing its company, such as in the financial sector. PT BPRS Madinah Lamongan is one of the Islamic people's finance banks in the city of Lamongan. The purpose of this study was to determine the marketing strategy of financing products in increasing competitive advantage according to the Islamic economic perspective at PT. BPRS Madinah Lamongan, this type of research is qualitative research. The data analysis used in this research is the SWOT analysis method.The results of this study indicate that the product marketing strategy applied by PT. BPRS Madinah in increasing competitive advantage according to the perspective of Islamic economics, which is implemented using a marketing mix analysis consisting of 4P product (product), price (price), promotion (promotion), place (place).
Analisis Persepsi Mahasiswa Universitas Islam Riau Terhadap Kelayakan Konversi BPR Unisritama Menjadi BPR Syariah: Analisis Persepsi Mahasiswa Universitas Islam Riau Terhadap Kelayakan Konversi BPR Unisritama Menjadi BPR Syariah Hendra Eka Saputra hendra
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 1 (2021): Maret 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (930.558 KB) | DOI: 10.36781/iqtisadie.v1i1.156

Abstract

The background of this research is that bank is a forum for financial activity. Banks are included in the category of a benchmark for a country in improving the economy. The formulation of the research problem is how the perception of Riau Islamic University students on the feasibility of converting the Unisritama Rural Bank (BPR) into a Sharia Rural Bank (BPRS)? The purpose of this study was to determine the perceptions of Riau Islamic University students on the feasibility of converting Unisritama People's Credit Bank (BPR) into a Sharia People's Financing Bank (BPRS). : intensity, size, repetition, movement and novelty. factors within a person that influence the perception selection process include: understanding (learning), motivation, and personality. The methodology used in this research is descriptive method. The sample taken by the whole population is 100 people. The sampling technique is to use the Slovin formula. Based on the results of research on the analysis of the perceptions of Riau Islamic University students on the feasibility of converting the people's credit bank Unisritama into a sharia people's finance bank processed through the respondents' answers, it can be concluded that P = 81.21% which means the analysis of the perceptions of Riau Islamic University students on the feasibility of converting people's credit banks. Unisritama being a sharia people's finance bank answered "very good / very feasible" with a percentage of 81% -100%.
KONSEP KESEJAHTERAAN PANDANGAN ULAMA KONTOMPORER Nur Arifin; Tamimah; Nida Laili Fitriyah
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1011.36 KB)

Abstract

Islamic economics, one of which aims to prosper people's lives, human welfare stated in the Qur'an is related to human enjoyment and misery in the world and the hereafter, development can be achieved if aspects of economic sovereignty and good economic governance can be realized significantly because it builds economic sovereignty, this research uses qualitative research using literature studies, the results of this study, welfare in the Islamic perspective refers to the goals of Islam, namely the implementation and maintenance of the five basic principles contained in Maqasid Syariah from everything that is destructive so as to achieve a better life and honorable in this world and in the hereafter. Keywords: Development Economics, Welfare, Maqasid Syariah.
BUMDesMa KAMPUNG TANI: PEMBERDAYAAN EKONOMI MASYARAKAT BERBASIS AKAD SYARIAH DI KABUPATEN PAMEKASAN Abd Rohman Al Hadifi; Faridatur Rosyidah; Firman Ardiansyah; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1194.989 KB)

Abstract

This study aims to provide a conceptual model regarding the optimization and transformation of BUMDes into BUMDesMa through the OVOP Concept approach which is expected to provide a constructive solution in increasing the economic potential of the Pamekasan community as a farming village. In addition, in order to create a halal lifestyle climate, all BUMDes activities are based on sharia contracts. This study uses descriptive qualitative methods with secondary data collection methods obtained from literature and documentaries that have been processed. While the data analysis technique starts from editing, organizing and finding. The results showed that the optimization of the performance of BUMDes has a wider scope, not only applying the concept of one village one product, but also cooperating with several villages that have the same potential to produce a superior commodity that is more leverage so that an innovation called "BUMDesMa Kampung Tani" appears where there are optimization efforts by forming a community that leads to community economic empowerment, starting from the community of raw material producers, creative and innovative, marketing, and waste management. Pamekasan Regency has good potential because the community can establish cooperation starting from capital, raw material production, management, marketing, to the handling of agricultural waste generated. Keywords: BUMDesMa Kampung Tani, OVOP concept, economic empowerment, sharia contract
DIGITALISASI FILANTROPI ISLAM PADA PESANTREN DI PULAU MADURA Firman Ardiansyah; Fitriyana Agustin; Ridan Muhtadi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1439.757 KB)

Abstract

The Islamic financial literacy and inclusion index in Indonesia is still relatively low. Based on data from the Financial Services Authority (OJK) in 2019 shows that the level of Islamic financial literacy is only around 8.93% and the level of Islamic financial inclusion just only around 9.1%. The low of public access to the banking will be quickly resolved by combining financial services and products using the latest technology. These efforts needs to be made, because the 5.0 industrial revolution makes it easier for people to access all information using smartphones that are connected to the internet. This decision will be a great opportunity for the Islamic finance industry to innovate digitally. The author offers digital innovation to accommodate these opportunities through the “CONTREN: (Connected Sharia Economic of Pesantren)” application which focuses on ZISWAF transactions (Zakat, Infaq, Shadaqah, Waqf) equipped with supporting features that can be enjoyed by all groups of people. The main purpose of writing this scientific paper is to analyze the normative picture of the potential for digitizing Islamic philanthropy in Madura. This study uses a descriptive qualitative method that explains the suitability of the features in the "CONTREN" application with the standardization of sharia financial contracts that not contain elements of maysir, gharar, tadlis, ikhtikar and usury, analyzes the implications of this digital application on literacy and sharia financial inclusion. The method of data collection in this study used secondary data obtained from literature and documentaries that had been processed. The results of the study indicate that the "CONTREN" digital innovation is in accordance with the concept of standardization of sharia financial contracts, and has great potential to be implemented. The conclusion obtained shows that the "CONTREN" innovation can increase Islamic financial literacy and inclusion in order to increase public accessibility to Islamic financial products. Keywords: Digitalization, Financial Inclusion, Financial Literacy, Islamic Boarding School, ZISWAF
PEMBIAYAAN MUDHARABAH BERTINGKAT PADA BANK UMUM SYARIAH Ahmad Zaenal Abidin; Moh. Rasyid; Rezkia Zahara Lubis
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (824.39 KB)

Abstract

Islamic banks in carrying out their financial activities use contracts in classical muamalat fiqh, including mudharabah contracts. The mudharabah contract which initially only brought together two parties, namely the owner of capital and the manager of capital, has now undergone a change in practice in Islamic banks. Mudharabah contracts in Islamic banks currently involve three parties, the owners of capital, the bank and the borrower of capital. This pattern of contracts involving three parties is called multilevel mudharabah. Based on these reasons, this study will discuss what and how the implementation of multilevel mudharabah in Islamic commercial banks. This research is a research qualitative with a juridical-normative approach. This study concludes that multilevel mudharabah is a form of mudharabah that occurs between three parties. The first party is the shahibul maal, the second party is the intermediate mudharib, and the third party is the final mudharib. In this contract, the bank has a dual role, namely as mudharib as well as shahibul mal. As mudharib, the bank manages the funds deposited by the depositor to seek profit. Meanwhile, as shahibul mal, the bank distributes these funds to mudharib for further management. If you look at the above understanding of the practice of this multilevel mudharabah contract, namely, when the depositor or shaahibul mal saves their funds with a mudharabah contract with a sharia bank, this practice refers to the mudharabah mutlaqah principle, there are no restrictions for banks in using the funds raised. Keywords: Mudharabah, Financing, Islamic Bank
PERSENTASE BAGI HASIL MUDHARABAH DAN RATE BUNGA DALAM PEMBERIAN MODAL USAHA MIKRO (STUDI KASUS BMT MUDA JATIM SURABAYA DAN KOPERASI K3PG GRESIK) Abdul Majid Toyyibi; Anni Mujahidah Duta Pertiwi
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (820.43 KB)

Abstract

This study aims to determine the Percentage of Profit Sharing and Interest Rate in the Provision of Micro Business Capital. Researchers also want to know how many use financing from BMT MUDA and K3pg Cooperatives. The research method uses a qualitative approach. This type of research uses a descriptive-comparative method by comparing the data for profit sharing and interest rates in providing micro business capital at BMT MUDA East Java Surabaya and K3PG Petrokimia Gresik. The researcher collected data by using observation, interview and documentation techniques. The results of research conducted by researchers on BMT MUDA and K3PG Cooperatives are more dominant in K3PG because in repayment of financing, K3PG is automatically deducted from the monthly salary. Meanwhile, in MUDA BMT, the payment is from the results of the managed business.
ENTERPRENEURSIP SYARIAH: MENGGALI NILAI-NILAI DASAR ETOS KERJA ISLAMI DALAM BISNIS RASULULLAH Rima Oktavia
IQTISADIE: Journal of Islamic Banking and Shariah Economy Vol. 1 No. 2 (2021): September 2021
Publisher : Program Studi Perbankan Syariah STAI Al-Fitrah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (996.053 KB)

Abstract

Bisnis dalam bidang perdagangan menjadi pilihan terbaik bagi manusia, selain mampu memenuhi kebutuhan hidupnya secara kaffah juga bisa memberikan kontrbusi kepada masyarakat dalam penyediaan lapangan pekerjaan. Nabi Muhammad saw. adalah seorang nabi dan Rosul memiliki kompleksitas sebagai seorang pembisnis yang patut untuk dijadikan teladan atas segala prilakunya. Entrepreneurship, bukanlah satu-satunya langkah yang paling solutif dalam memakmurkan dunia, tetapi setidaknya langkah sangat masif jika diterapkan di Indonesia permasalahan kompleks yang semakin berkembang di Indonesia, yaitu kemiskinan dan pengangguran. Entrepreneurship ini telah dicanangkan oleh pemerintah sejak tahun 70-an yang pada waktu itu bernama kewiraswastaan sampai dengan terbitnya Inpres No. 4 tahun 1995 tentang Gerakan Nasional Memasyarakatkan Kewirausahaan (GNMK). Rasulullah SAW adalah seorang teladan yang agung. Seperti ditulis Teguh Sutanto bahwa , kehidupan rasulullah SAW memiliki kelengkapan dalam kaitannya dengan keteladanan beliau menyikapi harta kekayaan. Penerapan bisnis Rasulullah tidak lepas dari Shiddiq artinya adalah berkata benar dan jujur. Amanah yaitu sifat kepercayaan baik dari dari sisi internal maupun eksternal. Amanah dan Tabligh yaitu kemampuan menyampaikan, kemampuan berkomunikasi efektif. Sifat fathonah merupakan memiliki kecerdasan dalam berbisnis. Nilai-nilai etos kerja dalam pandangan Islam yang pernah diaplikasikan oleh rasululah adalah pertama, nilai ketauhidan yang meliputi aspek uluhiyah, aspek Rububiyah, dan aspek mulkiyah. Kedua, nilai jihad yang interpretasinya tidak hanya berkaitan dengan peperangan tetapi bisa meliputi bekerja untuk memenuhi kebutuhan hidupanya dengan konsep kehalalan.

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