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Journal of Indonesian Sharia Economics

jiose
Website

Published by Institut Pesantren Mathali'ul Falah

ISSN : 29623812 EISSN : 28291719 DOI : https://doi.org/10.35878/jiose

Core Subject : Economy,

Economics, Econometrics & Finance

Journal of Indonesian Sharia Economics merupakan jurnal ilmiah yang dikelola oleh Fakultas Syariah & Ekonomi Islam Institut Pesantren Mathaliul Falah Pati. Jurnal yang terbit dua kali dalam setahun Maret dan September ini didedikasikan untuk publikasi hasil penelitian dan kajian tentang Ekonomi Islam. Journal of Indonesian Sharia Economics menjadi sarana diseminasi hasil penelitian dan kajian yang berkualitas tentang Ekonomi & Bisnis Syariah dengan sub tema pembahasan seputar Perbankan Syariah, Filantropi Islam, Keuangan Syariah, Akuntansi Syariah, Pemasaran Syariah, dan Manajemen Syariah. Naskah yang diterima sangat terbuka bagi kajian multidispliner terhadap ekonomi syariah sesuai perkembangan zaman.

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

Articles 21 Documents

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Penguatan Manajemen Risiko Lembaga Keuangan Syariah Non-Bank dalam Menghadapi Ancaman Cyber Security Fajar Adhi Kurniawan; Khabib Solihin
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

This research is a qualitative research that discusses the strengthening of risk management non-bank Islamic financial institutions, KSPPS Artha Bahana Syariah Pati Central Java. The sources of data in this study were obtained through focus groups and in depth interviews with KSPPS leaders and related officials. KSPPS Artha Bahana Syariah Pati Central Java develops internet-based digital services to its members in the form of ABS Mobile. The use of digital and internet technology to improve services to members and to gain business effectiveness and efficiency must be accompanied by strengthening risk management to anticipate cyber security threats. The results of the study indicate that the application of risk management at KSPPS Artha Bahana Syariah is related to the threat of cyber security in the form of active supervision by the leadership, the adequacy of policies and procedures for the use of Information Technology, the adequacy of the identification, measurement, control, and monitoring of information technology risks, and the internal control system. on the use of information technology.

Strategi Unit Pengumpul Zakat Jatisono Demak dalam Penghimpunan Zakat Pertanian Aan Zainul Anwar; Muhammad Ismail
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

This study aims to determine the potential of agricultural zakat and agricultural zakat collection strategies at UPZ Baznas Jatisono, Demak Regency, Central Java. The type of research is field research using descriptive qualitative methods. The data collection technique was through observing the implementation of agricultural zakat on farmers in Jatisono village and in-depth interviews with informants managing BAZNAS Demak, UPZ Jatisono managers, and farmers who as muzakki. Documentation from BPS (Indonesian Statistic Agency) data for Demak Regency, area field data, muzakki data, financial reports, and zakat reports. The results showed that the total agricultural produce that UPZ Jatisono was able to collect every year always reached the potential target, this was because the determination of potential was carried out during the planting season and was based on the area of rice fields with the collection strategy, namely providing zakat services by distributing Karkat (Zakat Card). Furthermore, UPZ Jatisono formed a coordinator of amil zakat in prayer rooms and mosques. During the harvest season, UPZ opens the UPZ building to pay zakat according to the scheduled time. During the post-harvest season, UPZ reports the results of zakat collected through the mosque which is broadcast before the Friday prayer.

Kebijakan Mandatori Sertifikasi Halal bagi Produk Usaha Mikro, Kecil, dan Menengah di Kabupaten Kudus umi latifah
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Enactment of Law No.33 Th. 2014 or the Law on Halal Product Guarantee (Act JPH) and PP No.31 Th. 2019 as a guide for implementing the JPH Law has the consequence of having halal certification obligations on all products in circulation. Revealed again in PMK RI No. 57/PMK.05/2021. This process requires stakeholder readiness and education for industry players throughout Indonesia, including Kudus Regency. The existence of this policy raises the problem of how to implement it in the field. This study aims to determine its implementation, responses from MSMEs, challenges and opportunities for MSMEs.This research is field research with data collection methods through interviews, observations, and document studies. The data processing through the making of transcripts, codes, and categorization. Then analyzed using qualitative analysis. The result of the research shows that the implementation of Act JPH in the Kudus Regency has not been optimal. It is shown from the implementation activities, communication between stakeholders, and implementing tendencies in implementing policies. This research also finds there are various challenges to be faced and opportunities that can be utilized for MSMEs with the existence of a mandatory halal certification policy.

Mekanisme Pengelolaan Koin Nahdlatul Ulama dan Dampaknya pada Kesejahteraan Masyarakat Desa Mursekha Mursekha; Nur Dian Islamiati
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Nadlatul Ulama (NU) as one of the largest community organizations in Indonesia has a work program whose benefits can be felt by the wider community. One such program is the NU Coin Program. The NU Coin Program in Pekiringan Village, Talang District, Tegal Regency began to be implemented in early October 2020. The purpose of this research is to find out how the mechanism for managing the NU Coin Movement and its impact on the welfare of the people of Pekiringan Village, Talang District, Tegal Regency. This research is a type of qualitative research with a case study approach. Aspects that are used as operational indicators of variables in this study are income, population, health, education, consumption, and socio-culture. The results of the study stated that the management of Koin Nu was carried out by distributing 100 cans to NU residents of Pekringan village. Collection of NU Coins in the form of coins in denominations of Rp. 100, - Rp. 200, - to Rp. 500, - to Rp. 1000, - which is carried out from house to house by giving cans of NU Coinswhich is then collected once a month. The distribution of NU Coin funds has a positive impact on the welfare of the community, as shown by the majority of the people of Pekiringan Village being very helpful in meeting household needs both in material and spiritual terms, and the community is also greatly helped when there are religious activities.

Model Pengembangan Ilmu Ekonomi Islam Muhamad Muhamad
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Economics as a science that deals with human behavior, will always develop according to the will of man himself. Thus, the need for establishing economic law that is following sharia and the real world that humans need, demands the need for continuous ijtihad. Considering that there have been considerable changes in the way people live after the industrial revolution, technological developments, and international material relations, a big world looks like a small country. Something that used to be normal, but recently turned a hundred and eighty degrees into something different. So this needs ijtihad. This research is qualitative research that describes the results of research in the form of a model for the development of Islamic Economics as a form of the researcher's contribution to the development of Islamic economics.According to Qardawi, two fields need ijtihad in recent times, namely finance and economics, and medicine. Because these two fields intersect directly in human life. In the development of Islamic economics, it is necessary to have a different model from the development model of economics in general.

Perkembangan Industri Keuangan Non-Bank Syariah dan Inovasi Service Excellent di Tengah Pandemi Covid-19 Trimulato Trimulato
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

The purpose of this study was to determine development Sharia non-bank financial institutions (IKNB) during the COVID-19 pandemic as well as knowing form excellent service Sharia IKNB can do to meet the needs of customers or customers. Type of research is a literature study with a qualitative research nature. The source of the data used in this research is the data from the Financial Services Authority (OJK) and other data sources. Data collection techniques are form of documentation which is then processed by researchers. Data analysis technique used is descriptive qualitative. Results this study indicate development of Sharia IKNB in period from October 2020 to April 2021, Sharia Insurance assets grew 6.26 percent, Pension Fund Institutions assets grew 17.79 percent, Sharia Microfinance Institutions assets grew 2.24 percent, Sharia Fintech Institution assets grew 85.54 percent. Meanwhile, Sharia Financing Institutions experienced a decrease in assets of -7.78 percent and Sharia Pawnshops experienced a decrease in assets of -6.95 percent. Excellent service Sharia IKNB can do during COVID-19 pandemic improving digital services, following applicable regulations, increasing attention and support for customers or customers, increasing partnerships with various parties.

Pengaruh Motivasi dan Kepuasan Kerja terhadap Organizational Citizenship Behavior Islam nur ahmad budi yulianto
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 1 (2022): Maret 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

One of the very complex HR problems is the provision of motivation according to the needs of each employee so that ultimately employees feel satisfied in working in a company, both material and non-material motivation and job satisfaction. This study aims to determine the effect of motivation and job satisfaction on Islamic organizational citizenship behavior (OCB). This research is quantitative research based on explanatory research using sampling the saturated sample method by distributing questionnaires to the furniture industry employees of Budi Jaya Jepara. The analysis method uses Partial Least Square (PLS) with the help of WARP-PLS 0.3 software. The results of this study indicate that motivation affects job satisfaction. Job satisfaction affects Islamic organizational citizenship behavior (OCB) and motivation does not directly affect Islamic organizational citizenship behavior (OCB) because of differences in the salary system and marital status.

Manajemen Pembiayaan Modal Kerja Murabahah pada Bank Syariah Indonesia Siti Nur Ami'in; Yuhrotun Yuhrotun; Ahmad Dimyati
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

This study aims to determine the management of the implementation of murabahah Working Capital Financing (PMK) at Bank Syari'ah Indonesia KCP 2 Pati and evaluate Murabahah Working Capital Financing (PMK) at Bank Syari'ah Indonesia KCP 2 Pati in 2021. To find out the implementation management and evaluate the Murabaha Working Capital Financing (PMK) in 2021 in depth and comprehensively, this study uses descriptive qualitative research methods based on interviews and documentation. The results showed that the management of the implementation of Working Capital Financing (PMK) at Bank Syari'ah Indonesia KCP 2 Pati was based on the POAC management function, its duties and authorities had been carried out in accordance with the SOPs at Bank Syari'ah Indonesia KCP 2 Pati. Furthermore, the results of the evaluation of Murabahah Working Capital Financing (PMK) in 2021 at Bank Syari'ah Indonesia KCP 2 Pati, namely an increase in financing income, this is evidenced by the results of data explaining that the realization of Working Capital Financing (PMK) was successfully achieved in 2020, which is 14,845,000,000. While the realization that has been achieved in 2021, which can reach 25,608,000,000 with this, Bank Syari'ah Indonesia KCP 2 Pati must continue to maintain the development of Murabahah Working Capital Financing (PMK) that has been obtained. So that by continuing to increase the existing Murabahah Working Capital Financing (PMK), it can have a good impact on Bank Syari'ah Indonesia KCP 2 Pati.

Inovasi Aplikasi Online Green Waqf Berbasis Blockchain Guna Pendanaan Produktivitas Tamanu Sebagai Upaya Pelestarian Lingkungan Iin Dwi Sukaina; Hana Fitria Zahidah; Falsa Dzaky Arifian
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Various parties are required to innovate renewable energy to support life in the future. One of the innovations to support renewable energy is utilizing the tamanu plant (Calophyllum inophyllum). Tamanu plants can reduce carbon emissions and can be processed into cosmetic ingredients and medicines that have the potential to create a sustainable business. However, the development of industry requires large costs so adequate financing is needed. One of the financing models is green waqf in the form of money by utilizing blockchain. With blockchain storage technology, data can be maintained properly. Therefore, this research aims to describe an application innovation called "Tamanoo". This research data is secondary data with a qualitative descriptive approach and literature study. The mechanism involves waqif, mauquf alaih, and government. Tamanoo is a mobile application with an integrated system connecting wakif with the tamanu industry. Through crowdfunding, waqf funds can finance the sustainable Tamanu industry, including the plantation, pharmaceutical, and biofuel industries. The steps in implementing Tamanoo include designing to evaluate prototypes, raising funds, outreach to industrial and wakif activists, and commercialization and application implementation. Through Tamanoo, it will be easier for people to make endowments and contribute directly to economic recovery and environmental improvement.

Optimalisasi Pengawasan Pembiayaan Mudharabah Berbasis Smart Monitoring System Alfina Finky Ramadhani; Pungky Lela Saputri; Alfi Rohmatul Haniyah; Chintiya Nurafriani
JIOSE: Journal of Indonesian Sharia Economics Vol 1 No 2 (2022): September 2022
Publisher : Fakultas Syariah dan Ekonomi Islam Institut Pesantren Mathali'ul Falah

Financing has a very important role for Islamic banks, namely contributing greatly to efforts to restore the national economy. In its distribution, weak supervision will become a gap for customers to default in financing. Therefore, the optimization of Financing Supervision Based on the Smart Monitoring System which makes it easier for Islamic banks to carry out the supervision process as an effort to maintain the continuity of Islamic banks must be realized. This research is research and development with ADDIE approach (Analyze, Design, Develop, Implement, and Evaluate). Research is limited to the design stage. This study uses descriptive writing and qualitative descriptive analysis methods. The data collected in this paper are primary data and secondary data. The purpose of this study is to develop a more practical and more efficient online smart system-based monitoring or monitoring system to ensure the suitability of the financing provided with existing procedures.

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Khabib Solihin

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+6282299523230

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jiose@ipmafa.ac.id

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Jl. Raya Pati-Tayu Km. 20 Purworejo Margoyoso Pati

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Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Khabib Solihin

Contact Email khabib@ipmafa.ac.id

Phone +6282299523230

Journal Mail Official jiose@ipmafa.ac.id

Editorial Address Jl. Raya Pati-Tayu Km. 20 Purworejo Margoyoso Pati

Location Kab. pati, Jawa tengah INDONESIA

Abstract

Abstract

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Abstract

Contact Name
Khabib Solihin

Contact Email
khabib@ipmafa.ac.id

Phone
+6282299523230

Journal Mail Official
jiose@ipmafa.ac.id

Editorial Address
Jl. Raya Pati-Tayu Km. 20 Purworejo Margoyoso Pati

Location
Kab. pati,

Jawa tengah

INDONESIA