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Al-Fadilah: Islamic Economics Journal
Published by Penerbit Hellow Pustaka
ISSN : -     EISSN : 30310210     DOI : https://doi.org/10.61166/fadilah.v2i1
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
The aim of this journal publication is to disseminate the conceptual thoughts or ideas and research results that have been achieved in the area of Islamic Economics particularly focuses on the main problems in the development of the sciences of islamic economics areas as follows: Islamic Finance such as shariah accounting; public finance.; Islamic monetary and fiscal issues. Islamic Bank Islamic Economic Development Islamic Political Economics Islamic Philantrophy such as zakat, waqaf issues The History of Islamic Economics The Thought of Islamic Economics
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 12 Documents
 1   2 
Implementation of Sharia Business Ethics in Indonesian Sharia Banking (Case Study of Bank BJBS KCP Cimahi) Ryan Renaldi; Muhammad Al Mighwar
Al-Fadilah: Islamic Economics Journal Vol. 1 No. 1 (2023)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v1i1.1

Abstract

This articel's goal is to examine and debate the ethical principles that Indonesian Islamic banking practices have adopted as norms, particularly in resolving practical operational issues based on exploratory investigations. Four consumers and three managers of Islamic banks served as the research samples in this study, which was done at Islamic Banking in Cimahi. The analysis's findings suggest three things, all of which are supported by the notion of business ethics: First, Islamic bankers have been successful in forging cordial bonds with stakeholders and customers. Second, they consistently act responsibly while handling difficult situations and uphold high personal moral standards, even in the face of regulatory changes made by the parent bank. These are informal learning opportunities for writers and readers to fulfill their obligations so that they may apply moral principles to organizations. In order to increase the professionalism and operational quality of sharia banking in Indonesia, the author expects that this article will serve as a theoretical and practical resource and guide for regulators and sharia banking practitioners. The results still need to be verified and further generalized because this study's sample size and population coverage are restricted.
Application Of Amanah Value To Payment Products At Bank Syariah Indonesia KCP Bandung Moh. Toha Salsabila Apriliah Koswara; Muhammad Al Mighwar
Al-Fadilah: Islamic Economics Journal Vol. 1 No. 1 (2023)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v1i1.2

Abstract

Bank Syariah Indonesia (BSI) is one of the Islamic banks in Indonesia whose operational activities comply with the principles of Islamic Sharia and are listed in the law. One of the superior products of Bank Syariah Indonesia is Pawn Gold, which is a service for getting fast money, with an easy process and low maintenance costs. The purpose of this study is to assist customers in understanding and evaluating the level of sharia applied by Bank Syariah Indonesia Kcp. Bandung Moh Toha, so as to provide trust and transparency to customers in transactions. The method used in this study is a qualitative descriptive approach, while the data collection techniques include interviews, observation and documentation. The implementation of the value of trust has been carried out very well, we can see in the work practices of employees who really reflect a high commitment to trust, honesty and decency, as well as upholding religious rules. The employees of Bank Syariah Indonesia Kcp. Bandung Moh Toha makes the value of trust as a foundation in carrying out their daily tasks.
Implementation of Micro Syari'ah People's Business Credit (KUR) Financing at Bank Syari'ah Indonesia KCP Cirebon Plered 1 Shabrina Fatimah Amini
Al-Fadilah: Islamic Economics Journal Vol. 1 No. 1 (2023)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v1i1.3

Abstract

Bank Syariah Indonesia (BSI) KCP Cirebon Plered 1 has a variety of products. Therefore, KUR financing which is able to solve customer capital or financial problems, makes Bank Syariah Indonesia (BSI) KCP Cirebon Plered 1 one of the sharia banks of choice for prospective customers. The contract implemented by BSI KCP Plered I is the mudharabah contract, where the bank as shahibul maal entrusts a certain amount of capital to the customer as mudharib. Around 1,004 UMKM in the Cirebon area, including businesses that sell daily necessities, apparel, food and workshops, have received financing from BSI. The method used in this study is a qualitative descriptive method, where this research aims to describe and understand a phenomenon even further, in this case related to the Implementation of Micro Syari’ah Business Credit Financing (KUR) at Indonesian Syari’ah Bank KCP Cirebon Plered 1. Data collection techniques in this study were carried out by interviews, observation and documentation. Based on actual records, it can be said that BSI KCP Cirebon Plered 1 has succeeded in providing financing to customers. This is indicated by the financing requirements, the lending process, the realization of the financing, the amount of administrative fees, bank officer services, bank locations, guarantees/collaterals, knowledge and participation of customers/prospective customers, as well as providing a beneficial influence on customers
Marketing Management Of Hajj Savings Products At Bank Syariah Indonesia At BSI KCP Bandung Majalaya Salma Aulia Hanifah
Al-Fadilah: Islamic Economics Journal Vol. 1 No. 1 (2023)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v1i1.4

Abstract

This research was conducted to determine the marketing management of Hajj savings products carried out by Bank Syariah Indonesia at the KCP Bandung Majalaya branch office. The aim is to know how marketing management is carried out to make people around the branch office interested and open a Hajj savings account. Marketing is very important in a company office, where the company office must learn how to market its products that are adapted to the conditions and circumstances of the community around its branch office. The aim of this marketing is so that people know, understand and are interested in opening Hajj savings for their future. By marketing the product, of course it must be matched with the quality of the product being marketed, where the Hajj savings product at Bank Syariah Indonesia has its own advantages in attracting potential customers. Bank Syariah Indonesia has attracted many customers in the last two years, which is a good start for Bank Syariah Indonesia. The target target for this marketing is all groups, namely from young people to the elderly.
Implementation Of Wadiah Agreements In Indonesian Hajj Savings Products At Bank Syariah Indonesia KCP Cinunuk Santi Nur Rohmah Agustiani
Al-Fadilah: Islamic Economics Journal Vol. 1 No. 1 (2023)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v1i1.5

Abstract

The purpose of this research is to find out how the wadiah contract is implemented in Indonesian Hajj savings products at Bank Syariah Indonesia KCP Cinunuk. The method of this research uses descriptive qualitative methods. From the results of research that has been carried out, the wadiah contract that will be used in the Indonesian Hajj savings product at Bank Syariah Indonesia KCP Cinunuk is the wadiah yad adh-dhamanah contract. With the provisions, customers must reach the Hajj savings target of twenty-five million rupiah, if they do not reach this target then the customer cannot withdraw the money entrusted to the bank. As a deposit recipient, the money that the customer deposits with the bank can be managed by the bank and distributed back to the community in the form of a loan. From the results of the distribution of funds, profits obtained by the bank will be returned to the customer (the depositor) in the form of a bonus that has not been previously agreed upon.
The Role of Islamic Economics in Overcoming Economic Inequality and Realizing Development in Indonesia Delia Desvianti; Mardiana Safitri; Serliana; Zulfikar Hasan
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.16

Abstract

Islamic economic development does not only measure the level of prosperity in the world, but is much more important than that, namely how prosperity will be in the afterlife. Economic inequality is a serious problem faced in many countries, including Indonesia. The application of Islamic economics can be a solution to overcome this problem with the principles of justice and fair distribution. Even though in Indonesia, Islamic economics is increasingly gaining attention with government initiatives and sharia financial institutions, there are still challenges such as a lack of understanding, regulations and policies that support the comprehensive development of Islamic economics. Research on the role of Islamic economics in overcoming economic inequality and realizing development in Indonesia is important to provide a deeper understanding of the implementation of Islamic economics and the steps that need to be taken for inclusive and sustainable development. The research method used in making this journal is the data selection method. Namely carrying out a systematic search for various journals relevant to the research topic using data analysis such as Google Scholar. In conclusion, the implementation of Islamic economics can be a sustainable and fair solution to overcome economic inequality. By applying the principles of justice, sustainability and transparency in economic practices, Indonesia can create a more just and sustainable society and achieve inclusive and sustainable development goals.
Paradigm of Virtue in Sharia Economics in Surah Al-Imran Verse 92 M Yosi Ramadan; Muhibban; Ahmad Farishin Ikhwan
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.17

Abstract

The blessing paradigm is an important concept in sharia economics which emphasizes the importance of blessings in economic activities. This research aims to examine the virtue paradigm in sharia economics based on Surah Al-Imran verse 92. This verse is believed to provide a strong foundation for the importance of giving and donating property on the path of Allat SWT. This study uses the tafsir analysis method to understand the meaning and content of the verse related to virtue in sharia economics. It is hoped that the results of this study can contribute to the development of sharia economic discourse that is oriented towards virtue and prosperity.
Analysis of the Influence of Sharia Monetary Policy on Economic Development in Indonesia Rania Ningsih; Bilal Kautsar Setiabudi; Moh azfahani zain; Nasya Amelia Putri
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.18

Abstract

The Islamic economic system is considered capable of contributing to the global economy, including in Indonesia. This article aims to analyze monetary policy in Indonesia from an Islamic economic perspective. In this research, researchers observe monetary policy instruments, namely open market operations, where in general, monetary targets are aimed at encouraging economic growth and stabilizing inflation. The methodology used is a literature study approach to three main journals and several national and international journal articles related to sharia monetary. The main finding of this research is that the development of sharia-based monetary policy in Indonesia is considered to have an important role in economic development in Indonesia.
The Impact of Central Bank Policy on Aspects of Bank Sharia Financial Behavior in the Money Market Nuzhuliya Mega Avifa; Samsul Arifin; Ida Farida
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.19

Abstract

Central bank policy has an important role in influencing the behavior of banks in the money market. This is important because banking movements can affect market stability and the economy as a whole. Therefore, analysis of the impact of central bank policy on bank behavior is very important to expand understanding of how monetary policy can influence the actions of banks participating in money markets. The research results show that central bank policies such as changes in interest rates, mandatory reserve policies, and market intervention have a significant impact on bank behavior. Interest rates set by the central bank can affect bank lending and investment interest, while mandatory reserve policies can affect banks' liquidity and their risk management strategies in the money market. This study also emphasizes the importance of transparency and communication from central banks in implementing policies. Clarity in policy can indirectly help in managing market expectations and help banks respond to changes in monetary policy. This research can be the basis for further research exploring how central bank policies can improve risk and liquidity management, as well as the stability of money markets and the economy. In conclusion, central bank policy has a significant impact on bank behavior in the money market, and policy communication and transparency are important factors in bank risk and liquidity management in order to maintain money market stability in the future.
Entrepreneurship in Islam (Foundations and Motivation for Entrepreneurship in Islam) Faizatul Husna; Holilur Rahman
Al-Fadilah: Islamic Economics Journal Vol. 2 No. 1 (2024)
Publisher : Penerbit Hellow Pustaka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61166/fadilah.v2i1.20

Abstract

Islam is the most perfect religion, a religion that regulates all aspects of life, not only from the worldly aspect but also the afterlife. In Islam worldly rules are explained and regulated through the Qur'an and Hadith. One of the perfections of Islam is that it requires its followers to be able to live independently by working or doing business in the right way. In living independently, Islam teaches us to be entrepreneurial. In writing this article, we will explain the foundation and motivation for entrepreneurship that must be applied in entrepreneurial activities. And the research method used is library research, namely research carried out by collecting data from books which are used as data sources. The concept of entrepreneurship in Islam which is given by Islam as a recommendation for entrepreneurship is implied as our basis for trying and developing ourselves, namely as stated in the Al-Qur'an and Hadith. And the thing that must be developed and applied within a person or group is motivation. With motivation, a person can be encouraged to make efforts to achieve a goal in fulfilling survival.

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