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Islamic Economic and Business Journal
Published by Institut Agama Islam Negeri Bone
ISSN : 27158853     EISSN : 29631025     DOI : 10.30863/iebjournal.v5i1.4214
Core Subject : Economy,
Economics, Econometrics & Finance
IEB (Islamic Economic & Business) Journal is a scientific journal published by the Faculty of Islamic Economics and Business IAIN Bone. This journal contains never-before-published articles in the form of research or applied research articles, study articles related to Sharia Economy and Environment, including Sharia Business, Sharia Banking, Sharia Marketing, Human Resources, Sharia Finance, Zakat, Waqf, Poverty Alleviation, Public Finance, Monetary Economics, Economic Development, Maqasid al-Syariah, Institutional Economics, Sharia Management, Corporate Governance , Risk Management, Securitization and Sukuk, Sharia Capital Market, Insurance and other topics related to this field.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 42 Documents
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ANALISIS MASLAHAH PADA FATWA MUI TENTANG AKAD TABARRU’ ASURANSI SYARIAH Syamsul Bahri
Islamic Economic and Business Journal Vol 3, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v3i2.3350

Abstract

The concept of giving benefit to life sometimes leads to debate, Differences in determining patterns, criteria, and priorities maslahat not infrequently gave birth to a mafsadat in the form of conflict between fellow Muslims. The absence of limits on the use of maslahat, Majelis Ulama Indonesia (MUI) as a recognized and agreed upon institution in Indonesia to carry out the tasks and issue fatwas in demand to take an active role in seeing the development of human life. Majelis Ulama Indonesia (MUI) is expected to always give a fatwa about the phenomenon of events that developed in the community, so as not to become a bias that will lead to disputes among Muslims. Departing from the background of the authors are interested to discuss the principle maslahat one of the MUI fatwa on tabarru 'funds on the contract of takaful insurance.The method of collecting material in this journal is done by library research. which means done by tracing the legal materials related to the subject matter that is related to akad tabarru 'in the provisions of DSN MUI Fatwa No.21 / DSN-MUI / X / 2001 on General Guidelines for Sharia Insurance, as well as the fatwa DNS MUI No. 53 / DSN- MUI / III / 2006 concerning akar tabarru 'on Takaful Insurance.The results of the analysis show that the concept of maslahat dana tabarru 'on Takaful insurance can be seen on the principle of help please, mutually alleviate the burden of human beings in akar tabarru 'as a form of grant funds to be used for customers. one of the elements is mutual guard and foster brotherhood. Muslims in particular, as servants of Allah swt are required to utilize resources (nature, property, etc.). who has been entrusted by God to him to realize the maximum benefit possible.
KOMPENSASI KARYAWAN TETAP DENGAN TIDAK TETAP PERSPEKTIF MASLAHAH DAN KEADILAN Fikasari Fikasari; Muhammad Fakhri Amir
Islamic Economic and Business Journal Vol 4, No 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v4i1.3505

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana sistem pemberian kompensasi terhadap karyawan tetap dan tidak tetap dalam perspektif maslahah dan keadilan. Penelitian ini berupa penelitian lapangan (Field Research) dengan pendekatan kualitatif deskriptif dengan menggunakan teknik pengumpulan data berupa wawancara, dan observasi. Dalam menganalisis data melalui teknik reduksi data, menyajikan data yang terpilih secara keseluruhan, kemudian menarik kesimpulan dari hasil analisis data yang diperoleh. Adapun hasil penelitian ini menunjukkan bahwa sistem kompensasi terhadap karyawan tetap dengan tidak tetap di Pabrik Gula Bone telah berjalan dengan baik, semua kegiatan yang dilakukan karyawan mengacu pada aturan yang telah ditetapkan yang tertuang dalam aturan ketenagakerjaan yaitu untuk untuk karyawan tetap berdasarkan UMP (Upah Minimum) serta tunjangan, sedangkan untuk karyawan tidak tetap hanya berdasarkan Upah Minimum. Sedangkan pemberian kompensasi telah sesuai perspektif maslahah dimana karyawan tetap dan tidak tetap dipandang sebagai keluarga sendiri yang harus diperlakukan selayaknya dan perlu dihargai keadaannya. Adapun dalam perspektif keadilan pemberian kompensasi yang adil diberikan kepada karyawan sesuai dengan beban kerja dan tingkat jabatan.
PROBLEM SOLVING AKAD AL-QARDH AL-HASAN PADA BAITUL MAAL WA ATTAMWIL Andi Safitri Wulandari; Muhammad Fakhri Amir
Islamic Economic and Business Journal Vol 3, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v3i2.3346

Abstract

Penelitian ini bertujuan untuk mengatahui problematika atau kendala-kendala yang ada dalam pelaksanaan akad al-Qard al-Hasan serta problem solving terhadap problematika pelaksanaan al-Qardh al-Hasan pada baitul maal wa attamwil. Penelitian ini merupakan penelitian lapangan. Lokasi penelitian ini bertempat di BMT As’adiyah Sengkang, Kab. Wajo, Sulawesi Selatan. Data dalam penelitian ini adalah data primer yang diperoleh berdasarkan hasil observasi dan wawancara secara langsung. dan data sekunder diperoleh melalui dokumentasi dilapangan, buku-buku referensi dan informasi lain yang berkaitan dengan penelitian ini. Adapun hasil penelitian ini menunjukkan bahwa terdapat beberapa problematikan yang dihadapi dalam merealisasikan pembiayaan al-Qard al-Hasan di BMT As’adiyah Sengkang diantaranya pembiayaan macet, mitra beritikad tidak baik dengan tidak lagi menjalankan kesepakatan yang telah dibuat, mitra pembiayaan kurang maksimal dalam memanfaatkan dana serta mitra yang menghilang dan meninggal dunia. Adapun problem solving terhadap beberapa problematika tersebut yaitu pendekatan personal dan persuasif, perpanjangan jangka waktu pengembalian dana, penghapusan pembiayaan jika terjadi kebangkrutan, dan menjual jaminan dari mitra.
PERAN DAN TANGGUNG JAWAB DEWAN PENGAWAS SYARIAH PADA LEMBAGA PERBANKAN SYARIAH DI INDONESIA Shadriyah Shadriyah; Akmal Ihsan
Islamic Economic and Business Journal Vol 4, No 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v4i1.3500

Abstract

This article examines the roles and responsibilities of the Sharia Supervisory Board (DPS) for the practice of Islamic banking in Indonesia. This paper is considered important because seeing the current phenomenon, there are still some sharia banks that deviate from sharia principles, such as poor governance that harm customers. This study uses a normative approach with legal review, namely the laws and fatwas of the DSN-MUI. The results show that SSB acts as an agency that provides education to internal auditors to carry out internal sharia reviews related to the management of Islamic banks. In addition, SSB also functions as a mediator between Sharia Banking and the National Sharia Council in making fatwas. The responsibility of DPS is to ensure and supervise the suitability of the operational activities of a Sharia Bank according to the role of DSN-MUI and to submit all periodic monitoring reports to DSN. For the sake of perfecting the roles and responsibilities of SSB, maqashid sharia must also be considered, taking into account the aspects of religion (al- din), soul (an-nafs), minds (al-aql), property (al-mal) and descendants (an- nasl) so that the benefit is maintained and get blessings from rahamatan lil alamin.
TINJAUAN EKONOMI SYARIAH TERHADAP SISTEM PENGAWASAN PENGELOLAAN RENSTRA APBDDESA Risno Risno
Islamic Economic and Business Journal Vol 4, No 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v4i1.3506

Abstract

The purpose of this research to identify and explain the monitoring system for the management of the Awang Cenrana Strategic Plan APBDesa in terms of an Islamic economic perspective with a field study approach with a qualitative-descriptive design. Data is collected through the library (library research) and goes directly to the field (field research).The results of this study indicate that the oversight system for the management of the Awang Cenrana Strategic Plan APBDesa has basically been carried out well. If viewed from a sharia perspective on the oversight system for the management of the Awang Cenrana Restra APBDesa, it is found that in the perspective of trustworthiness, honesty and truth, village leaders such as the Village Head, Secretary and Head of Keungan Awang Cenrana Village have fulfilled these three criteria. The implication of this research is that in the sharia economic perspective of budget management as in APBDesa, the nature of trust, honesty, truth and justice is absolute, which cannot be carried out except by applying the principle of budget transparency. Therefore conducting budget transparency is mandatory.
EFEKTIVITAS PENYELESAIAN PEMBIAYAAN BERMASALAH MURABAHAH DENGAN KEBIJAKAN RESCHEDULING PADA BAITUL MAAL WAT TAMWIL (BMT) AS’ADIYAH SENGKANG Sitti Asia; Ismail Keri
Islamic Economic and Business Journal Vol 3, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v3i2.3347

Abstract

Murabahah financing problems that occurred at BMT As'adiyah Sengkang in 2017 to 2021 continued to increase this was due to the business being undertaken by customers decreased in terms of production and consumption so that it also affected customer income which decreased. In responding to this, the BMT As'adiyah Sengkang took a rescheduling policy for the non-performing Murabahah financing so that the financing of customers who had failed to pay could return smoothly.This type of research is a field research with a qualitative research approach. The data sources used are primary data and secondary data with data collection techniques using observation, interview and documentation techniques. And the data analysis techniques in this study are data reduction, data presentation and conclusion drawing.The results of this study are known that (1) in applying for the financing process with certain conditions. (2) the procedure for resolving non-performing financing using the rescheduling policy is to provide invoices, the customer to the BMT As'adiyah Sengkang office, check the completeness of the documents, take a rescheduling policy and make a new agreement. The application of rescheduling at BMT As'adiyah Sengkang is carried out when the third invoice is issued and this is valid for 3 months. (3) the BMT As'adiyah Sengkang streamline the rescheduling policy so that the customer can settle the obligations that have been charged by providing an extension of the installment payment period and reducing the number of installments. However, the rescheduling policy did not have much of an effective effect on problematic murabaha financing, this was proven by the higher NPF (Non Performing Financing) starting from 2017 to 2021.
STRATEGI PENERAPAN BUSINESS PLAN DALAM MENINGKATKAN PENJUALAN MENURUT PERSPEKTIF EKONOMI ISLAM (Studi Pada Usaha Mebel PT Al Faqih Putra Risjaya) Irmayanti Irmayanti; Hasni Hasni
Islamic Economic and Business Journal Vol 4, No 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v4i1.3502

Abstract

Business plan merupakan suatu rencana tertulis yang berisi tentang usaha yang akan dikelola, visi dan misi bisnis, entrepreneur dengan usahanya serta cara atau strategi yang akan dilakukan untuk mencapai tujuan yang telah ditetapkan. Penelitian ini bertujuan untuk mengetahui: (1) Bagaimana strategi penerapan business plan yang dilakukan pada usaha mebel PT Al Faqih Putra Risjaya, (2) Bagaimana efektivitas penerapan business plan dalam meningkatkan penjualan menurut perspektif ekonomi Islam. Metode penelitian yang digunakan adalah penelitian lapangan dengan pendekatan kualitatif deskriptif. Hasil penelitian menunjukkan bahwa strategi penerapan business plan yang dilakukan pada usaha mebel PT Al Faqih Putra Risjaya, telah dirancang sejak awal pendirian bisnis hingga saat ini dan diimplementasikan melalui aspek keuangan, aspek pemasaran (produk, harga, lokasi dan saluran distribusi, promosi), aspek operasional/produksi serta aspek Sumber Daya Manusia (SDM). Adanya penerapan business plan pada PT Al Faqih Putra Risjaya sangat efektif dalam meningkatkan penjualan dan pengembangan bisnis. Dengan demikian, semakin tinggi tingkat penerapan business plan maka akan semakin tinggi tingkat potensi laba yang akan diperoleh dan semakin besar peluang untuk membuka cabang usaha dalam rangka pengembangan bisnis. Dalam perspektif ekonomi Islam, penerapan business plan dalam menjalankan kegiatan usaha pada PT Al Faqih Putra Risjaya sudah sesuai dengan prinsip-prinsip dalam ekonomi Islam yaitu tauhid, keadilan dan keseimbangan, kehendak bebas dan tanggung jawab, dan juga pada kegiatan ekonomi yang dilakukan telah mencontoh sifat-sifat Nabi Muhammad saw yaitu Shiddiq, Amanah, Tabligh dan Fathanah.
ANALISIS AKTOR KINERJA EKONOMI PUBLIK DAN KEBIJAKAN EKONOMI NEGERA PERSPEKTIF SYARIAH Arna Arna
Islamic Economic and Business Journal Vol 3, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v3i2.3348

Abstract

Penelitian ini membahas tentang aktor kinerja ekonomi publik dan kebijakan ekonomi negara dalam perspektfi syariah. Para aktor atau pelaku ekonomi publik dapat dikelompokkan menjadi tiga, yaitu; penyelenggara Negara (political Society), dunia usaha, serta masyarakat madani (civil Sosiety). Ketiga aktor tersebut memiliki peran penting dalam mendorong ekonomi dalam suatu negara. Metode yang digunakan adalah kulitatif dengan kajian kepustakaan melalui buku, artikel serta data-data tentang kebijakan ekonomi publik yang dikeluarkan oleh negara.Hasil penelitian menunjukkan bahwa penyelenggara Negara di indonesia cenderung telah kehilangan ideology untuk mengatur dan mengurus warga, tanah, dan potensi kekayaan alam. Penyelenggara Negara bahkan tidak bisa membedakan mana yang harus dilakukan (have to), yang sebaiknya dilakukan (should), dan mana yang boleh dilakukan (may). Negara dalam mengatur ekonomi publik hendaknya dapat memisahkan kekayaan dan sumber daya alam Negara yang harus diatur dan dikelola sendiri oleh Negara melalui BUMN atau BUMD, serta kekayaan alam yang bisa dikelolah oleh pihak pengusaha atau swasta.
DETERMINAN INDEKS KEYAKINAN KONSUMEN TERHADAP KONDISI PEREKONOMIAN DI INDONESIA Hasnidar Yuslin
Islamic Economic and Business Journal Vol 4, No 1 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v4i1.3503

Abstract

The condition of the prospects for the national economy is very influential for economic actors, both from producers, consumers, and investors. Early information regarding the prospects for the national economy is needed in all sectors, including government, small businesses, large-scale businesses, and even the wider community. This study analyzes Consumer Confidence Index to predict the economic prospects in Indonesia before and during the COVID-19 pandemic in the 2019-2021 period. The method used is descriptive statistical analysis. The results of this research analysis show that in 2019 before the Covid- 19 outbreak, consumer perceptions were maintained in the zone of optimism regarding the condition of the economic prospects in Indonesia, then during the 2020 pandemic in the second quarter, the pessimistic zone with the lowest index number compared to the other quarters, but consumer perceptions began to improve in the fourth quarter of 2020 until the fourth quarter of 2021. Optimistic consumer perceptions of 2021 in the second quarter and the next six months are in line with the government's optimistic attitude towards economic recovery and a reversal of direction towards positive.
THE RELATIONSHIP OF UNDERSTANDING OF ISLAMIC BUSINESS ETHICS AND THE BEHAVIOR OF MUSLIM TRADERS IN THE CONGKO PEOPLE'S MARKET BAREBBO DISTRICT BONE REGENCY RATIH MUSAHIR; Muh. Hasbi Ash. Shiddiq
Islamic Economic and Business Journal Vol 3, No 2 (2021)
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v3i2.3349

Abstract

This study discusses the relationship between understanding Islamic business ethics and the behavior of Muslim traders in the Conko People's Market Barebbo District Bone Regency. The purpose of this study was to determine the relationship between understanding Islamic business ethics and the behavior of Muslim traders in Pasar Rakyat Conko Barebbo District Bone Regency and to find out how big the coefficient of determination is for understanding the relationship between understanding Islamic business ethics and the behavior of Muslim women traders in Pasar Rakyat Conko Barebbo District Bone Regency. This study uses a type of field research (Field Research) with a quantitative approach. The number of population and samples in this study were 80 respondents. Data was collected using a questionnaire distributed to each Muslimah trader. The results of the research and discussion show that 1) There is a significant positive relationship between the understanding of Islamic business ethics and the behavior of Muslim traders in the People's Market of Congko Barebbo District Bone Regency from the results of the calculation of the product moment correlation shows ???? !"#$% 0.530  ???? #'()* 0.220. The test results show that the significance value obtained is 0.000 0.05 which means the significance value obtained is smaller than the specified probability . So H0 is rejected and Ha is accepted. 2) The coefficient of determination of the relationship between understanding of Islamic business ethics and the behavior of Muslim traders is 28.1% and the remaining 71.9% is determined by other variables factors such as religiosity, business competition, and level of education also influence the behavior of Muslim traders.

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