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Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Published by Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember
ISSN : 29646464     EISSN : 29617294     DOI : 10.55606
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Subjek meliputi studi tekstual dan studi lapangan dengan berbagai perspektif ekonomi Islam, keuangan publik Islam, keuangan Islam, akuntansi Islam, etika bisnis Islam, perbankan Islam, asuransi Islam, pemikiran ekonomi Islam, manajemen sumber daya manusia Islam, keuangan mikro Islam, ekonomi pembangunan Islam, Ekonomi moneter Islam, ekonomi fiskal Islam, pasar modal Islam, dan tema-tema lain yang relevan.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 18 Documents
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Pengaruh Kualitas Pelayanan, Promosi Dan Lokasi Terhadap Minat Masyarakat Menabung Di Bank Syariah Indonesia (BSI) (Studi Pada Masyarakat Kecamatan Merlung) Fikri Wijaya; Addiarrahman Addiarrahman; M. Taufik Ridho
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2023): Juni : Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (816.28 KB) | DOI: 10.55606/ai.v5i1.284

Abstract

In this study, there are three factors that influence interest, namely service quality, promotions, location. because these three factors are very closely related to what is felt by the community. This research was conducted to find out whether the factors of service quality, promotion, and location affect people's interest in saving at Bank Syariah Indonesia KFO Mikro Merlung. The type of research used in this research is descriptive quantitative. The population in this study were customers at BSI KFO Micro Merlung, totaling 17,493 people. The number of samples obtained in the field were then processed using the slovin formula, the results obtained were 99 respondents. Based on the results of the data calculation, it is known that service quality has a positive and significant effect on people's interest in saving because the value of tcount ˃ ttable is 4.683 ˃ 1.661 and the resulting significant value is 0.000 ˂ 0.05, promotions have a positive and significant effect on people's interest in saving because the value of tcount ˃ ttable is 3.221 ˃ 1.661 and the resulting significant value is 0.000 ˂ 0.05 and location has a positive and significant effect on people's interest in saving because the value of tcount ˃ ttable is 2.313 ˃ 1.661 and the resulting significant value is 0.000 ˂ 0.05. The results of the F test, namely service quality, promotion, and location simultaneously have a positive and significant effect on people's interest in saving because the value of Fcount ˃ Ftable or 6.365 ˃ 1.661 and the resulting significant value is 0.000 ˂ 0.05. So it can be concluded that simultaneously or simultaneously it influences people's interest in saving. The results of the determination test (R2) on the independent variables, namely service quality, promotion, and location on the dependent variable, namely the public's interest in saving, is 66.2%, while the remaining 33.8% is influenced by other factors outside this variable.
Analisis Kinerja Keuangan Pemerintah Daerah Kabupaten Tebo Miftakur Rohmad; As’ad Isma; Fauzan Ramli
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2023): Juni : Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (922.899 KB) | DOI: 10.55606/ai.v5i1.285

Abstract

Performance measurement is very important to assess how well organizations and managers are in providing more public services, and not just the ability to show that public money has been spent but includes the ability to show that the money has been used fairly, for the welfare of society. Then, from the background above, this study aims to analyze how the Bakeuda Financial Performance of the Tebo Regency Government in 2017-2021 is seen from: (1) Independence Ratio, (2) Efficiency Ratio (3) Harmony Ratio (operational expenditure and capital expenditure). This study uses a quantitative descriptive analysis method, which is a scientific and systematic study of the parts and phenomena and their relationships. Quantitative analysis is used to solve problems that are measuring quality in the form of (amount and number). The results of the performance analysis show that the Tebo Regency Government's Bakeuda finances are seen from (1) the Regional Financial Independence Ratio, the relationship pattern is still classified as an instructive relationship pattern because the average size of this ratio is 9.78% (2) The Regional Financial Efficiency Ratio can be said to be quite efficient because the average regional financial efficiency of Blora Regency is 88.26% (3) The compatibility ratio is known that the average regional operational expenditure is still very high, namely 56.35% compared to the average capital expenditure of 39.92%, so it can be said Regional Government still pays little attention to regional development.
Implementasi Dan Inovasi Pembiayaan Syariah Cash Waqf Linked Sukuk (CWLS) Daryn Salsabila
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2023): Juni : Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1009.72 KB) | DOI: 10.55606/ai.v5i1.288

Abstract

The development of Islamic finance has exhibited notable progress. Cash Waqf Linked Sukuk, also known as CWLS, is a type of innovation in the field of Islamic finance. This instrument is a form of state commitment in supporting the National Movement for Cash Waqf (GNWU) to increase a sense of care and social solidarity and realize efforts to alleviate poverty, social inequality, and realize equitable development in Indonesia. Integrating three distinct sectors, namely the Islamic Social Finance sector, the commercial financial sector, and state or fiscal finance, CWLS is an innovative and intelligent breakthrough. Through waqf, wakif or cash waqf will be facilitated to invest either temporarily or permanently so that they can place their money in investment instrument that are safe, productive, blessed, and beneficial by sharia principles.
Potensi Usaha Mikro Kecil Menengah Iggo Kuliner Jambi Dalam Meningkatkan Halal Food Di Kota Jambi Nurfitri Martaliah; Titin Agustia Ningsih; Saslina Saslina
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2023): Juni : Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1223.361 KB) | DOI: 10.55606/ai.v5i1.292

Abstract

This study aims to find out the potential for developing Halal Food by Jambi Iggo Culinary UMKM, as well as to find out the obstacles faced by Jambi Iggo Culinary UMKM in implementing Halal Food, this research is of a qualitative type. The objects of this research are the owners, employees and regular consumers of UMKM Iggo Culinary Jambi. The data sources used are primary data and secondary data. Data were obtained directly from 15 respondents using data analysis methods, namely observation, interviews and personal documentation, then the data was processed using data processing techniques. The results showed that: In carrying out the potential for developing halal food, UMKM Iggo Culinary Jambi carried out four items that became indicators of the success of UMKM Iggo Culinary Jambi, namely as follows, Increasing the components of food products used, Increasing diversity in production, Increasing distribution and supply of products (halal logistics), Increasing the balance of product composition, In implementing the development potential carried out by UMKM Iggo Culinary Jambi, there are obstacles faced by UMKM Iggo Culinary Jambi, along with the obstacles: Lack of availability of product food ingredients, Unfair competition , There are suppliers who commit fraud against the halal logo on the product.
Analisis Pengaruh Faktor Internal Terhadap Profitabilitas Bank Syariah Indonesia (BSI) Periode 2013-2022 Meisha Fatma Wijaya; Tessalonika Federova Br Simanjuntak; Arnol Prabowo Siagian; Adyanto Armando Purba; Rista Y. Lumbangaol; Tiara Posma Udur Hutapea; Ilman Ashari Siregar
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2023): Juni : Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (786.107 KB) | DOI: 10.55606/ai.v5i1.316

Abstract

The purpose of this study was to determine the analysis of the influence of internal factors on the profitability of Bank Syariah Indonesia (BSI) for the 2013-2022 period. The internal factors used in this study are Profit Sharing Financing, Financing to Deposit Ratio (FDR), and Operational Cost per Operating Income (BOPO). While the profitability used in this study is Return On Assert (ROA). With Time Series data for the period 2013-2022 analyzed using the Error Correction Model (ECM) as a method to see the results of the analysis of the effect of the independent variables on the dependent variable. This research was initially tested using the Ordinary Least Square (OLS) method to see the long-term effect analysis and used the ECM method to see the short-term effect analysis. The results showed that in the long term Profit Sharing Financing had a negative and significant effect on ROA, FDR had a positive and significant effect on ROA, and BOPO had a negative and significant effect on ROA. Meanwhile, in the short term Profit Sharing Financing has a negative and significant effect, FDR has a positive and insignificant effect, and BOPO has a negative and significant effect.
TEORI MASLAHAH DALAM EKONOMI ISLAM : (FIKIH MUAMALAH) Zaenol Hasan
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 4 No. 2 (2022): Desember :Al Itmamiy:Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (831.516 KB)

Abstract

: Economics is an inseparable part of human life, with economic activity, humans can fulfill their needs such as eating, drinking, living, and carrying out other activities. An economy that cannot be fulfilled, of course, will have a significant impact on human life. For this reason, the economy is only part of the human life sector and must be carried out based on the laws that Allah has given. In this case, Islam has principles that are intended for humans, so that in economic activity can be lucky, useful, and share the grace of the universe (Maslahah 'ammah). There are three points of discussion (a) How is Maslahah Mursalah in the view of the Ulama? (b) What are the divisions of Maslahah in Islam? (c) How are the theories of Maslahah in Islamic Economics? The type of research in this writing is qualitative with library research. Library research is defined as a study or research on library sources and using written materials in the form of books related to the focus of this research. This research is descriptive analysis, which is a method that describes and explains systematically. The results of the discussion in this study are as follows, In principle, maslahah is taking benefits and rejecting misfortune in order to maintain the goals of shara', Maslahah dlaruriyyat is something that must be realized in order to realize the benefits of religion and the world. There are five things included in it, namely: Keeping religion (حفظ الدين), Keeping the soul (حفظ النفس), Keeping offspring (حفظ النسل), Keeping property (حفظ المال), Keeping reason (حفظ العقل). All forms of muamalah must fulfill the following principles: وجود التبادل (the existence of exchange). وجود التعادل (the existence of justice or equality), وجود التراضى (the voluntariness of both parties), عدم الغرار (no speculative), عدم الربا (does not contain usury) and عدم الضرر (no harm).
Perspektif Hukum Islam tentang Akad Qardh dalam Pembayaran (Paylater) Jual-beli Online Aplikasi Marketplace Shopee Muflihatul Isnaeni; Intan Cahnia; Indah Nurazizah; Musyaffa Amin Ash Shabah
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2023): Juni : Al Itmamiy : Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1123.22 KB) | DOI: 10.55606/ai.v5i1.401

Abstract

Paylater in e-commerce creates a contemporary business style not directly, so there is no need to bring in real buying and selling actors and without wearing an original signature. The paylater payment method is a method that can be paid in installments, where buyers can get orders before paying, because paylater is a financial tool from Shopee. This research is to describe the perspective of Islamic law regarding qardh contracts in payments paylater for online buying and selling of the Shopee marketplace application and the benefits for its users. This type of research is directed and focused on discussing library materials, both books, web and journals. Using a qualitative approach which is carried out through online research to look for theories and concepts of Islamic law qardh contract, especially in payments (paylater) on the Shopee marketplace application according to the DSN-MUI Fatwa No.19/DSN-MUI/IV/2001 concerning qardh. Analyzed using the Descriptic-Analytic method to describe the thoughts of these scholars. The results of this study, according to DSN-MUI Fatwa No.19/DSN-MUI/IV/2001 regarding qardh, that in its provisions, qardh customers are required to return the principal amount received at the agreed time. So this is legally permissible because there is a clear agreement.
Pertanggungjawaban Perdata terhadap Sertifikat Hak Atas Tanah sebagai Hak Tanggungan yang Hilang Vani Wirawan
Al Itmamiy : Jurnal Hukum Ekonomi Syariah Vol. 4 No. 2 (2022): Desember :Al Itmamiy:Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Ilmu Syariah Nurul Qarnain Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ai.v4i2.536

Abstract

This study aims to find out and examine how civil liability for land rights certificates as mortgages is lost. This research is descriptive with the type of normative legal research. The results of the research analysis are mediation without going through legal channels (with a settlement, namely the management of loss of land rights certificates by creditors, and issuance of replacement certificates) as well as compensation. However, if the debtor wants to sue the creditor, it can be through a civil lawsuit, namely the debtor must use litigation, namely a lawsuit against the law.

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