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Al-Tijary : Jurnal Ekonomi dan Bisnis Islam

altijary
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Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

ISSN : 24609404 EISSN : 24609412 DOI : https://doi.org/10.21093/at.v7i2.3662

Core Subject : Economy,

Economics, Econometrics & Finance

Al-Tijary : Jurnal Ekonomi dan Bisnis Islam encompasses research articles, original research report, reviews, and scientific commentaries in the field of economics and islamic business, including: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 Shari`ah Supervisory Boards, Islamic business ethics, Islamic Accounting, Islamic Auditing.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 103 Documents

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Globalisasi Ekonomi Dan Implikasinya Bagi Negara-Negara Berkembang : Telaah Pendekatan Ekonomi Islam Akhmad Nur Zaroni
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Economic globalization is the increasing economic integration and interdependence of national, regional and local economies across the world through an intensification of cross-border movement of goods, services, technologies and capital. Globalization leads to freer trade between countries. This is one of its largest benefits to developing nations. Homegrown industries see trade barriers fall and have access to a much wider international market. While an influx of foreign companies and foreign capital creates a reduction in overall unemployment and poverty, it can also increase the wage gap between those who are educated and those who are not. Over the longer term, education levels will rise as the financial health of developing countries rise, but in the short term, some of the poor will become poorer. Not everyone will participate in an elevation of living standards. According to Islamic economics, economic globalization should be done using appropriate approaches so as not to cause a lot of problems that could potentially harm the countries that are developing. The approach used should be based on fairness and equality in human interaction, and a multidisciplinary approach that covers all aspects of human life, moral, intellectual, social, historical, demographic, and political.

Urgensi Penerapan Etika Dalam Bisnis Muhammad Birusman Nuryadin
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

A Business ethics is a valuable learning and becomes a supplies for a person who had studied it when he / she performs a business and also when he / she works in a company. The business ethics applied in performing business has important role for a succes and eternity of that business. In the level of a knowledge, ethics is a branch of that knowledge, that is a knowledge of proper behavior. The ethics refers to compilation of morality criterions which will be a guidance to act and to perform activities. A Business is a productive activity, it’s purposes is to gain a profit. The business has a role as a fundament of economic activity, there is no economic activity without business. The profit is set through income minus expenses for service company. For trade company, the profit is set through sales minus cost of goods sold and expenses. If the business ethics is not paid ettention and also not applied in performing economics activity, a business man or business woman or who else perform economic activity will be trapped in cases of law/ norm infraction.

Bisnis Dalam Perspektif Islam (Telaah Konsep, Prinsip dan Landasan Normatif) Norvadewi Norvadewi
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Business with all that stuff going on in people's lives every day widely. Many businesses and the variety of motifs and business orientation as well as the increasing complexity of business problems, sometimes making businesses stuck to try anything to achieve its goal, especially if the goal is only for profit and profit alone. So frequent negative actions, which eventually becomes a habit in business behavior. If so, it is not uncommon for businesses identified with the dirty deed, because there are behaviors lying, treasonous, broken promises, deception and deceiving others. This article describes the business in the Islamic approach that includes the Islamic business concept, the principles of Islamic business and normative foundation of Islamic business. Islamic business must be based on Islamic ethics derived from the Qur'an and the Sunnah of the Prophet Muhammad. Generally, business ethics is a normative discipline, whereby particular ethical standards are formulated and then applied. It makes specific judgments about what is right or wrong, which is to say, it makes claims about what ought to be done or what ought not to be done.

Asuransi Islami Dan Pembangunan Ekonomi Umat Muhammad Iswadi
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This paper discusses the debate jurists of insurance, there are some that allow and prohibit, with various arguments. At the next turn spawned Takaful is a concrete solution to address the issue of people who really need insurance. Islamic insurance does have differences in terms of both form and nature with conventional insurance. There are two types of takaful insurance products, namely family takaful and general takaful. This insurance can also increase or help the economic development of the people, with a range of multiplier effect caused

Prospek dan Tantangan Perkembangan Asuransi Syariah di Indonesia Herry Ramadhani
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia. Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase. This is supported by a large population of Indonesia and also as the largest Muslim country in the world. However, this industry will also experience a very strong obstacle because of the global economic downturn, as it also conditions the people are not educated about insurance, the free market has begun to be applied, resources are less about Islamic insurance, lack of capital and other on.Therefore it needs the government's role to help to continue to grow, with regulations that support this industry

Analisis Akad Mudharabah Dalam Fasilitas Pendanaan Jangka Pendek Syariah Pada Bank Syariah Mandiri Ike Purnamasari
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Islamic Banking began to grow rapidly since 2001, in line with these developments required an Islamic Short Term Funding Facility (FPJPS), with mudharabah mechanism provided by the central bank, Bank Indonesia, so that the value of the liquidity of Islamic banking especially Bank Syariah Mandiri increased. This research is descriptive qualitative using data and information as well as the study of literature / bibliography. This study was elaborated on the Islamic Short Term Funding Facility (FPJPS) mechanism mudharabah and Bank Syariah Mandiri how to respond to the Islamic Short Term Funding Facility

Analisis Faktor-Faktor Yang Dipertimbangkan Dalam Penentuan Nisbah Bagi Hasil Atas Pembiayaan Mudharabah Pada Perbankan Syariah (Studi Empiris Pada Perbankan Syariah Kota Samarinda) Amir Hidayat; Fatahul Rahman
Al-Tijary Al-Tijary, Vol. 1, No. 1, Desember 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study aims to; determine the factors considered by Islamic Banking as shahibul maal in determining the profit sharing ratio up of financing; determine the factors most taken into consideration by the Islamic Banking as shahibul maal in the determination of the profit sharing ratio on financing mudaraba. This study used a population of 75 people consisting of management and employees in five Islamic Bank in the city of Samarinda, the Syariah BRI, BNI Syariah, Bank Syariah Mandiri, Bank Syariah Muamalat and Bank of East Kalimantan. The research instrument used in the form of a questionnaire. Validity and reliabiltas instrument was tested using Spearman rank and Cronbach alpha. Data were analyzed using factor analysis with the aid of a computer program Statistical Product and Service Solution (SPSSversi 11.0 forWindows). Results showed: (1) based on the calculation on the total variance explained is known that the number of factors that have eigenvalues > 1 of 7 factors, namely the customer's business, guarantees, regulation, policy banks, costs, competition and risks. Seventh these factors into consideration in determining the ratio of Islamic Banking for the top results of financing, (2) based on the calculation of the total variance explained is known that the factors that have the greatest eigen values that 5.923 is a factor of the customer's business. Thus the most dominant factor into consideration Islamic Banking in determining the profit sharing ratio of financing is a factor on the customer's business

Assessing Factors Influencing Moral Hazard of Mudharaba And Musyaraka Financing in Islamic Banking; Case Study in Surakarta Indah Piliyanti; Afrilianti Afrilianti
Al-Tijary Al-Tijary, Vol. 1, No. 2, Juni 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v1i2.524

Unlike conventional banking, theoretically, Islamic banking has unique system called profit and loss sharing based financing which ensure both parties in the same level. But, in fact, some cases moral hazard has been occur in Islamic banking. Moral hazard is related to the circumstances, nature, and human characters that can increase the risk of large losses. Moral hazard in Islamic banking could occur in mudharaba and musyaraka financing when selecting, processing and monitoring of these mode of financing.The purpose of this study was to determine the factors lead to moral hazard in Islamic banking in Surakarta which offering mudharaba and musyaraka to their customers. This research was conducted at Islamic Banking in Surakarta, especially mudharabah and Musharaka financing as the unit of analysis. The data used in this study was obtained from the primary respondents to fill out questionnaires regarding to moral hazard issues. Factor analysis is used to determine the trend of the factors influencing moral hazard in profit sharing based financing. The results showed that the cause of the moral hazard of Muhdaraba and musyaraka financing is Asymmetric Information (0.917), client character (-0.884), scope of the contract (0.727), Monitoring (-0.881) and Collateral (0.647). The most dominant factor in the cause of moral hazard on mudharabah and Musharaka is Monitoring and Security.

Pengaruh Corporate Governance, Growth Opportunity dan Net Profit Margin (NPM) Terhadap Nilai Perusahaan (Studi Empiris pada Perusahaan Go Public di Bursa Efek Indonesia Tahun 2008-2011) Tikawati Tikawati
Al-Tijary Al-Tijary, Vol. 1, No. 2, Juni 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

This study examines the effect of corporate governance, growth opportunity, and net profit margin (NPM) to the firm value with firm size as a control variable. Corporate governance is proxied by the survey results CGPI (CG Index), growth opportunity is measured by the ratio of stock market value to book value of the share capital, while net profit margin is measured with ratio of net income to sales. Firm size used in this study is the log of total assets. This study uses secondary data from ICMD and IDX. Using analysis this study find that corporate governance, growth opportunity, and net profit margin positively and significantly effect the firm value.

Sistem Operasional Pegadaian Syariah Berdasarkan Surah Al-Baqarah 283 pada PT. Pegadaian (Persero) Cabang Syariah Gunung Sari Balikpapan Rachmad Saleh Nasution
Al-Tijary Al-Tijary, Vol. 1, No. 2, Juni 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Pawn is one type of agreement debt receivable and Pawnshops is itself a financial institution. To guarantee the existence of an element of trust from the borrower against the debtor, then the party is needed there is stuff in powned as collateral against debts or loans. The goods remain the property of people who pawn, but controlled by the recipient of the goods (the lender). The legitimacy of the practice of this pledge has been around since the days of the Prophet, which is where the Prophet Muhammad himself doing this practice. Islamic pawn shops Gunung Sari Balikpapan is a non-bank financial institutions that provide financing/loan to the community. The goal of this institution is to eradicate dark pawn and loan sharks that requires the borrower to pay interest from the loans, which it is very damning for the people of the small or medium sized down. In this research analyzed the operational system of Islamic pawn shops that applied Shariah Pawnshops Gunung Sari Balikpapan based on surah al-Baqarah 283. source of data used in this study i.e., primary data and secondary data. Primary data obtained through direct observation and interviews, with the results of the data in the form of the documents operational system perum pawn shops and the results of the interviews to relevant parties. While secondary data in the form of literature-literature that discusses Islamic pawn shops, either in the form of books, journals, dissertations, theses and more. Based on the results of the analysis in this study, it can be inferred that Sharia Branch Pawnshops Gunung Sari Balikpapan in carrying out its operational system is in compliance with the provisions of the Shariah, or based on the study of fiqh mu'amalah about pawn. As for pawn shops that contribute products dominant against revenues this pawn shops are sourced from the pawn (rahn) products, which are present around 80% of the total income of Syariah Branches Pawnshops Gunung Sari Balikpapan.

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Contact Name
Fitria Rahmah

Contact Email
redaksi.altijary@gmail.com

Phone
+6285643313654

Journal Mail Official
redaksi.altijary@gmail.com

Editorial Address
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location
Kota samarinda,

Kalimantan timur

INDONESIA

Abstract

Abstract

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Abstract

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Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Fitria Rahmah

Contact Email redaksi.altijary@gmail.com

Phone +6285643313654

Journal Mail Official redaksi.altijary@gmail.com

Editorial Address Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location Kota samarinda, Kalimantan timur INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Fitria Rahmah

Contact Email
redaksi.altijary@gmail.com

Phone
+6285643313654

Journal Mail Official
redaksi.altijary@gmail.com

Editorial Address
Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda Kampus II, Jl. H.A.M. Rifadin Samarinda Seberang, Telp. (0541) 7270222 Samarinda

Location
Kota samarinda,

Kalimantan timur

INDONESIA