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JASIE - Journal of Aswaja and Islamic Economic Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Universitas Wahid Hasyim. JL. Menoreh Tengah X / 22, Sampangan, Gajahmungkur, Sampangan, Gajahmungkur, Kota Semarang, Jawa Tengah 50232, Indonesia
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INDONESIA
Journal of Aswaja and Islamic Economics
Published by Universitas Wahid Hasyim Semarang
ISSN : 29637864     EISSN : 29625602     DOI : 10.3194/jse.v1i1.6877
Core Subject : Religion, Economy, Science, Social,
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences
Focus and Scope Journal of Aswaja and Islamic Economics (JASIE) membahas secara rinci sejumlah besar topik yang berkaitan dengan Ekonomi Islam, Keuangan Islam, dan Ekonomi Aswaja yang terdiri dari studi empiris terbaru, studi spesifik negara, evaluasi kebijakan ekonomi Islam dan keuangan Islam internasional komparatif. Jurnal ini menyediakan forum pertukaran ilmiah bagi akademisi, praktisi, pengamat tajam, dan peneliti independen, dengan menerbitkan kontribusi teoretis, empiris, dan kebijakan berkualitas tinggi. Cakupan: *Ekonomi Islam* Ekonomi mikro Islam Ekonomi makro Islam Ekonomi moneter Islam Ekonomi pembangunan Islam Ekonomi internasional Islam Ekonomi publik dan fiskal Islam Ekonomi sumber daya manusia Islam Ekonomi sumber daya alam Islam Ekonomi digital Islam Ekonomi haji dan umrah Pariwisata dan perhotelan halal Zakat, wakaf dan filantropi Islam *Keuangan Islam* Sistem perbankan syariah Pasar modal dan komoditas syariah Asuransi dan reasuransi syariah Teknologi keuangan syariah Pasar keuangan syariah Strategi keuangan syariah Perencanaan keuangan syariah Dana sosial syariah dan crowdfunding Keuangan mikro syariah pada pedesaan Keuangan perusahaan syariah Strategi investasi syariah Masalah hukum dan peraturan keuangan syariah *Ekonomi Aswaja* Maqashid Syariah Ekonomi Islam Sistem Ekonomi Aswaja Etika Bisnis Aswaja Produksi Dalam Ekonomi Aswaja Konsumsi Dalam Ekonomi Aswaja Distribusi Dalam Ekonomi Aswaja Ekonomi Pesantren Aswaja Pemberdayaan Ekonomi Umat Aswaja Digitalisasi Ekonomi Aswaja Ekonomi Kreatif Aswaja
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 33 Documents
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PENDEKATAN KRITIS IMPLEMENTASI AKAD QARDH PADA PERBANKAN SYARIAH DI INDONESIA Nora Maulana
JASIE Vol 1, No 2 (2022): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i2.7668

Abstract

Lembaga keuangan syariah (LKS) termasuk perbankan syariah kini semakin berkembang pesat, ditandai dengan semakin bervariatifnya berbagai jenis akad yang muncul. Beragam jenis akad yang muncul di perbankan syariah, apabila merujuk kepada teori maupun dalil-dalil hukum yang menjadi keabsahannya. Maka tidak jarang ditemukan kekurangan atau problematika dalam pengimplementasiannya. Sehingga muncul beragam statement baik perhatian, penilaian, maupun kritikan. Oleh karena itu, sebagai generasi intelektual perlu kiranya untuk senantiasa mengevaluasi mengenai akad-akad yang ada di perbankan syariah Indonesia. Kritikan ini penting untuk dikaji secara mendalam sebagai bahan evaluasi untuk bank syariah guna mencapai visi misi yang sudah dicanangkan. Penelitian ini merupakan penelitian lapangan dengan metode survei. Adapun pendekatan penelitian dilakukan dengan metode kualitatif deskriptif secara teologi normatif dan fenomenologi. Data penelitian menggunakan data primer dan sekunder, dimana data primer berasal dari survei lapangan sementara data sekunder berasal dari dokumentasi baik dari buku, jurnal, artikel, maupun laporan dan karya keilmiahan terkait topik penelitian. Hasil penelitian diketahui bahwa bentuk insinkronisasi yang ditemukan dalam praktik akad qardh atau qardhul hasan meliputi; 1) Adanya bagi hasil dalam akad qardhul hasan; 2) Belum sepenuhnya dijalankan sesuai kaidah ta’awun; 3) Mayoritas bank syariah meminta jaminan dari transaksi akad qardh; 4) Qardh di perbankan syariah mayoritas disalurkan untuk kegiatan produktif saja. Kata kunci: qardh, kritis, perbankan syariah, Indonesia.
MULTIPLIER EFFECT PENGELOLAAN WAKAF TUNAI DAN PENGARUHNYA TERHADAP PEMBERDAYAAN UMKM Izzun Khoirun Nissa; Roby Kurniadinata; Rahid Kurnia
JASIE Vol 3, No 1 (2024): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v3i1.11282

Abstract

Based on simple simulations, with various relaxations in economic assumptions, it is proven that cash waqf is capable of providing a fairly large multiplier effect in the economy, whether the results of the cash waqf investment are provided in the form of assistance to the economic sector or the non-economic sector. This will directly and indirectly be able to have a significant influence in alleviating poverty. Apart from that, Micro, Small and Medium Enterprises (MSMEs) can be a force in alleviating poverty, creating jobs and becoming a force in alleviating poverty, creating jobs and being a force in increasing family income.  Cash waqf plays a strategic role in empowering Micro, Small and Medium Enterprises (MSMEs). Cash waqf offers the opportunity to help business groups increase income from the profits they receive. Furthermore, of course this income has a positive impact on changes in the family's economy. Moreover, the investment in waqf funds distributed is provided in the form of revolving funds which are used as business capital for other communities on an ongoing basis.
PENERAPAN MODEL MULTIDEMENSIONAL SCALING (MDS) DALAM PEMBIAYAAN BANK SYARIAH DI PULAU SULAWESI DALAM MENDUKUNG SDGs Trimulato Trimulato
JASIE Vol 1, No 1 (2022): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i1.6877

Abstract

The development of the Islamic banking industry continues to experience very good growth. This can be seen from the assets of Islamic banking which continues to increase and the public's interest in using Islamic banking products. One of the Islamic banking products is financing that is channeled to support the real sector. Sulawesi Island is one of the areas that have the potential to absorb Islamic banking financing. Every Islamic bank financing on the island of Sulawesi has a role in supporting the SDGs program through increased economic activity. The purpose of this study is to describe the development of financing in Islamic banks, as well as to describe the role of financing on the island of Sulawesi to support the SDGs. The method used in this research is qualitative. The data source used is secondary data, data that has been presented by institutions such as the Financial Services Authority (OJK). Data collection techniques through literature study. The analytical technique used in this research is Multidimensional Scaling (MDS). The results showed the development of Islamic banking financing in the period July 2020 to July 2021 the development of Musyarakah financing at BPRS grew by 43 percent, Murabahah grew 8.6 percent in BUS, and Qard grew in UUS. The analysis of the Multidimensional Scaling Model shows that the financing of BUS, UUS, and BPRS on the island of Sulawesi, South Sulawesi has a long-distance, for other areas it is close or similar. Financing distributed by Islamic banks in Sulawesi Island has a role in supporting the SDGs, at the point of reducing poverty, reducing hunger, encouraging economic growth, reducing inequality, and supporting sustainable production and consumption patterns.
PENGARUH PENGETAHUAN, PROMOSI, RELIGIUSITAS DAN PENDAPATAN KONSUMEN TERHADAP PENGAMBILAN KEPUTUSAN MENJADI NASABAH PEMBIAYAAN DI KSPPS BMT NURUL JANNAH GRESIK Farid Ardyansyah; Nely Agustin
JASIE Vol 2, No 2 (2023): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v2i2.8649

Abstract

This research was conducted to determine the effect of knowledge, promotion, religiosity, and consumer income on decision-making to become financing customers at KSPPS BMT Nurul Jannah Gresik. This analysis includes a validity and reliability test, a class assumption test, a multiple regression analysis test, hypothesis testing through the t-test and the f-test, and determination (R2). The results of this study indicate that knowledge (X1) has a partially positive and significant influence on customer decisions. This is based on the results of the t-test of knowledge = 3.122, then T count > T table or 3.122 > 1.664, with a significance value of 0.001 < 0.05. Promotion (X2) has no partial positive and significant effect on customer decisions. this is based on the results of T count Promotion = 1.367, then T count > T table, or 1.367 > 1.664 with a significance value of 0.175 > 0.05. Religiosity (X3) has a positive and partially significant effect on customer decisions, this is based on the results of T count: Religiosity = 2.093, then T count > T table, or 2.093 > 1.664, with a significance value of 0.039 < 0.05. Income (X4) has a positive and partially significant effect on customer decisions, this is based on the results of T count Income = 6,500, then T count > T table or 6,500 > 1.664 with a significance value of 0,000 < 0.05. Based on the determination test, the R square value shows 0.744, or the equivalent of 74.4%. This indicates that 74.4% contributed to the influence of factors such as knowledge, promotion, religiosity, and income on the decision to become a financing customer at KSPPS BMT Nurul Jannah Gresik. Meanwhile, the remaining 25.6% is influenced by other factors.  
OPTIMIZATION OF QRIS VIRTUAL PAYMENT TOOLS AS A SUPPORTER OF THE ISLAMIC ECONOMY FOR MUSLIM MSMES GO DIGITAL May Shinta Retnowati
JASIE Vol 2, No 1 (2023): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v2i1.8417

Abstract

This study aims to analyze the benefits of using QRIS as a non-cash transaction tool for MSME players to realize MSMEs go digital. QRIS is a new innovation launched by Bank Indonesia in collaboration with the Indonesian Payment System Association which was launched on the 74th independence day of the Republic of Indonesia, namely August 17, 2019. This research uses a library approach. The results of this study show that the benefits of using QRIS have a major influence on the development of the Sharia economy, especially Muslim MSME players.
ANALISIS PERAN PERKEMBANGAN FINANCIAL TECHNOLOGY BERBASIS SYARIAH : PEER TO PEER LENDING DAN CROWDFUNDING DI INDONESIA Desri Setia Ningsih; Tiyas Nur Rizmaningsih; Yolanda Astrid Gibran; Rofiul Wahyudi
JASIE Vol 1, No 2 (2022): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i2.7598

Abstract

Semakin berkembangnya zaman pada masa sekarang perkembangan teknologi semakin maju, perkembangan tekologi di Indonesia yang terus mengalami peningkatan mejadi lebih baik contohnya perkembangan dalam bidang keuangan yaitu Financial Technology (Fintech). Peer to peer lending dan crowdfunding merupakan contoh Fintech. Adapun penelitian ini menggunakan metode deskriptif kualitatif menggambarkan fakta-fakta perkembangan Peer To Peer Lending dan Crowdfunding. Sumber data yang digunakan dalam penelitian ini adalah menggunakan data sekunder diperoleh dari data  yang terdapat di OJK tahun 2022. Adapun teknik pengumpulan data yang digunakan oleh peneliti ialah dengan dokumentasi. Selanjutnya, metode analisis data yang digunakan peneliti adalah dengan menggunakan analisis secara deskripsi dengan menyajikan grafik. Hasil penelitian ini menunjukkan bahwa perkembangan Fintech Syariah di Indonesia mengalami pertumbuhan.
BMT'S TRANSFORMATION: TOWARDS A SUSTAINABLE INCLUSIVE FINANCIAL MODEL Maryani Ayu Rahma; Putri Damayanti; Rinda Asytuti
JASIE Vol 3, No 1 (2024): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v3i1.10179

Abstract

This study discusses BMT's strategy in transforming to support inclusive and sustainable finance using qualitative methods and theapproach in this study is a content analysis study. The result of this study is that every financial institution in Indonesia uses an inclusive financial system, because with this inclusive finance makes an easy requirement which means that people from the lower class can access and use existing facilities easily because of easy requirements.
Risiko Operasional Lembaga Amil Zakat Al Azhar Perwakilan Jawa Timur dengan Metode COSO : ERM Modifikasi Hana Fauzia Qothrun Nada; Farid Ardyansyah
JASIE Vol 2, No 2 (2023): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v2i2.8629

Abstract

Kepercayaan muzakki harus menjadi proritas lembaga amil zakat. ketidakpercayaan bisa muncul karena dugaan kegiatan pengelolaan zakat. Contoh dugaan dapat seperti apakah dana ZIS sudah tepat sasaran atau tidak. Hal tersebut merupakan risiko yang harus dikelola dengan baik. Risiko merupakan ketidakpastian yang dapat menimbulkan kerugian atau ancaman, sehingga risiko perlu dikelola dengan manajemen risiko yang baik. Sekarang, setiap dana disimpan dengan sistem sehingga lebih memudahkan kegiatan amil tetapi juga menimbulkan risiko kegagalan sistem. Risiko kegagalan sistem merupakan salah satu risiko operasional. Tujuan penelitian ini guna mengetahui pengelolaan risiko operasional menggunakan COSO ERM Modifikasi yang dikenalkan BAZNAS dan Bank Indonesia dimana dapat digunakan mengukur tingkat frekuensi terjadinya, dampak, kerentanan, dan kecepatan sebuah LAZ. Penelitian ini memakai pendekatan deskriptif  kualitatif. Sumber data primer melalui wawancara dan penelitian survei. Hasil penelitian menunjukkan terdapat 11 risiko operasional pada lembaga zakat Al Azhar Jawa Timur terbagi menjadi 4 level. Risiko level rendah yakni Bukti transfer palsu. Risiko level sedang yakni kesalahan pencatatan, SDM tidak amanah, tidak selesainya dana dalam setahun, dan mitra tidak sesuai MOU. Risiko level tinggi yakni kecemburuan antar mustahik dan kegagalan sistem. Terakhir, risiko level tidak adanya konfirmasi donatur, tidak tercapainya target, adanya tumpang tindih penyaluran, dan kurang SDM. Risiko level rendah cukup diatasi rutin, risiko level sedang risiko dapat diterima cukup dikelola manajemen. Risiko level ekstrim dan tinggi perlu ditransfer manajemen senior untuk segera memperoleh pengelolaan risiko level tersebut.Kata Kunci : Risiko Operasional, LAZ Al Azhar Jawa Timur, Metode COSO : ERM Modifikasi
BENTUK-BENTUK SISTIM TRANSAKSI PRAKTIK JUAL BELI BAWANG MERAH DITINJAU HUKUM EKONOMI ISLAM Idhar Idhar
JASIE Vol 1, No 2 (2022): DESEMBER
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i2.7700

Abstract

walaupun sistim transaksinya berasaskan kebebasan berkontrak terhadap perjanjian namum pelaksanaan dan mekanismen tetap pada hukum sebab dan syara berdasarkan tiga kriteria 1) niat yang baik pada transaksi jual beli, 22) menolak unsur kebatilan, dan 3) sikap jujur dalam transaksi jual beli dengan memegang prinsip saling rela dengan tidak mengambil keuntungan secara berlebihan dan menolak unsur kebatilan berupa penipuan,paksaan dan tekanan dengan diilhami nilai nilai syariat pada ketahudan, khilafah, adala, tazkiyah dan falah
ANALISIS FAKTOR – FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN MIKRO SYARIAH Nur Wahyuni
JASIE Vol 1, No 1 (2022): JUNI
Publisher : JASIE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.3194/jse.v1i1.6794

Abstract

This study aims to examine the effect of Islamic microfinance literacy. The method used in this study is a quantitative method using the SPSS 16 application. The scope of this research is the general public. income, age and education level partially have a significant positive effect on Islamic microfinance literacy. This is evidenced by the Anova F test with a calculated F value of 10,860 and an F table of 2.47, while the significant probability value in this study is 0.000 <0.05, it can be concluded that Ho is rejected and Ha is accepted. Based on the hypothesis testing of influential income, this is evidenced by the t test, it is found that the calculated value of income is 4.500 greater than t table 0.1661 and the significance value is 0.000 less than 0.05. Then the hypothesis is accepted. The age variable has a t-count value greater than t-table, namely 2.477>0.05, meaning that age has a significant effect. While the variable income level t arithmetic value is smaller than the value of t table that is 0.631 <1.661, the education variable has no effect on financial literacy. So, the conclusion that can be drawn is that income and age have a significant positive effect, while the level of education has no effect on Islamic microfinance literacy.Keywords: financial literacy, income, age, education level

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