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INDONESIA
EQUILIBRIUM
Published by Sekolah Tinggi Agama Islam Negeri Kudus
ISSN : 23550228     EISSN : 25028316     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Equilibrium journal issued by the Department of Islamic Economics, Pascasarjana, STAIN Kudus, periodically (every 6 months) in June and December with the aim of disseminating information about the study of knowledge islamic economics in the form of conceptual studies and research results.
Arjuna Subject : -
Articles 426 Documents
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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KEPERCAYAAN NASABAH MUSLIM PENGGUNA MOBILE BANKING DI BANK MUAMALAT INDONESIA 118 KANTOR CABANG PEMBANTU KUDUS Aziroh, Nur
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
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Abstract

This research intends to know the factors that influence the level of customer confidence Muslims mobile banking users in Bank Muamalat Indonesia Holy Branch Office. The sample in this study amounted to 160, which is a mobile banking users in Bank Muamalat Indonesia Holy KCP. Statistical tool used is Structural Equation Modeling (SEM). Data were analyzed using statistical software AMOS 16.0. The results of this study indicate that shared value is a factor that affects customer confidence in mobile banking users, while the communication has not been able to increase customer confidence in mobile banking users and opportunistic behaviors control has not been able to increase the confidence of users of mobile banking.
ENTREPRENEURSHIP BAGI UMMAT ISLAM Retnanto, Agus
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
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Abstract

Learning social sciences, including about economics should be necessary to study the most fundamental ideas that gave birth to the science and economic system. If we examine more deeply about economic policy built on the idea of capitalist economic system, then we can know the depravity of the system and contradiction with Islam. We can see clearly the thoughts of Islamic economics. Islamic economic thought that this could provide a solution to the problems existing economic life with appropriate solutions and make a distinctive life style, as opposed to capitalist life, both related to the subjects and aspects details.According to Islamic law, the vision, mission, and goals of the business management should explain the orientation of Islamic law. His vision is to make the business as a vehicle for business managers to achieve profits shaded pleasure of God. Mission and goals that integration is not to realize the existence of the Human Resources professional who has the maturity of personality (syakhsiyyah) Islam, through the mindset and attitude of Islamic patterns. Maturity will be reflected in the business orientation and activity of every Muslim Human Resources. On the basis of the law anyway, strategic step for every Muslim activities of the Human Resources is the law itself. It is as a rule of usul, which states, "Al-aslu fil-af al at-taqayyadu bil-hukmisy-Sharie" legal origin bound action on five rules of Islam (ie mandatory, sunnah, permissible, makruh, or unlawful) .There are 3 formulation of the problem that can offer a solution to the Efforts in the economic prosperity of the people, (1) How can Muslims unresolved issues of sufficiency economy, (2) How do we attempt to move mentally Muslims in entrepreneurship so as to rise from the hegemony of economic system of capitalism, (3) tips and solutions what can we build to foster an entrepreneurial spirit for Muslims to Become prosperous life.Keywords: entrepreneurship for MuslimsBelajar ilmu sosial, termasuk tentang ekonomi harus diperlukan untuk mempelajari ide-ide yang paling mendasar yang melahirkan ilmu dan sistem ekonomi. Jika kita mengkaji lebih dalam mengenai kebijakan ekonomi yang dibangun di atas gagasan sistem ekonomi kapitalis, maka kita dapat mengetahui kebobrokan sistem dan bertentangan dengan Islam. Kita bisa melihat dengan jelas pikiran ekonomi Islam. Pemikiran ekonomi Islam bahwa hal ini dapat memberikan solusi terhadap permasalahan yang ada kehidupan ekonomi dengan solusi yang tepat dan membuat gaya hidup yang khas, sebagai lawan kehidupan kapitalis, baik terkait dengan mata pelajaran dan rincian aspek. Menurut hukum Islam, visi, misi, dan tujuan dari manajemen bisnis harus menjelaskan orientasi hukum Islam. Visinya adalah untuk membuat bisnis sebagai kendaraan untuk manajer bisnis untuk mencapai keuntungan berbayang kesenangan Allah. Misi dan tujuan integrasi yang tidak menyadari keberadaan SDM profesional yang memiliki kematangan kepribadian (syakhsiyyah) Islam, melalui pola pikir dan sikap pola Islam. Kematangan akan tercermin dalam orientasi bisnis dan aktivitas setiap Muslim Sumber Daya Manusia. Atas dasar hukum pula, langkah strategis untuk setiap kegiatan Muslim Sumber Daya Manusia adalah hukum itu sendiri. Hal ini sebagai aturan ushul, yang menyatakan, "Al-aslu fil-af al at-taqayyadu bil-hukmisy-syari" hukum asal terikat tindakan pada lima aturan Islam (yaitu wajib, sunnah, mubah, makruh, atau melanggar hukum).Ada 3 rumusan masalah yang dapat menawarkan solusi untuk Upaya kesejahteraan ekonomi masyarakat, (1) Bagaimana Muslim masalah yang belum terselesaikan ekonomi kecukupan, (2) Bagaimana kita mencoba untuk bergerak mental umat Islam dalam kewirausahaan sehingga bangkit dari hegemoni sistem ekonomi kapitalisme, (3) tips dan solusi apa yang bisa kita membangun untuk menumbuhkan semangat kewirausahaan bagi umat Islam untuk menjadi kehidupan yang sejahtera.Kata kunci: kewirausahaan bagi umat Islam
ANALISIS DETERMINAN PENGUNGKAPAN ISLAMIC SOCIAL REPORTING: STUDI KASUS BANK UMUM SYARIAH DI INDONESIA Rama, Ali; Meliawati, Meliawati
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
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Penelitian ini bertujuan untuk menganalisis pengaruh sejumlah variabel yaitu ukuran bank, umur bank, profitablitas dan leverage terhadap pengungkapan Islamic Social reporting (ISR) pada Bank Umum Syariah di Indonesia dari periode 2010 sampai 2012. Pengungkapan ISR dilakukan dengan cara analisis konten melalui metode skoring. Penelitian ini menemukan bahwa hanya variabel ukuran bank yang berpengaruh signifikan positif terhadap pengungkapan ISR pada Bank Umum Syariah di Indonesia. Semakin besar aset yang dimiliki oleh bank syariah maka semakin tinggi penguungkapan ISR-nya. Penelitian ini juga menemukan bahwa bank syariah mengalami peningkatan rata-rata indeks pengungkapan ISR selama periode penelitian. Akan tetapi, pengungkapan ISR bank syariah baru memenuhi sekitar 50 persen dari keseluruhan item pengungkapan yang harus di-disclosure berdasarkan pada model yang dikembangkan pada penelitian ini.Keywords: Islamic social reporting, profitabilitas, ukuran bank, corporate social responsibility, leverage, umur bank.The purpose of this study is to analyze the impact of selected variables such as the size of the bank, bank age, profitability and leverage on the disclosure of Islamic Social Reporting (ISR) in the Islamic banks of Indonesia from the period 2010 to 2012. The disclosure of ISR is obtained by content analysis through scoring method. The study finds that the size of the bank is the only variable which has a significant positive impact on the disclosure of ISR Islamic banks in Indonesia. An an increase of the number of the Islamic bank’ asset increases the disclosure of ISR Islamic banks. This study also finds that the Islamic banks have increased their disclosure of ISR during the study period. However, the disclosure percentage of ISR Islamic banks is only about 50 percent of all items that should be disclosure based on the model developed in this study.Keywords: Islamic social reporting, profitabilitas, ukuran bank, corporate social responsibility, leverage, umur bank.
TINJAUAN KEPEMILIKAN DALAM KPR SYARIAH: ANTARA MURABAHAH, IJARAH MUNTAHIYYAH BITTAMLIK, DAN MUSYARAKAH MUTANAQISAH Kurniawan, Afit; Inayah, Nur
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
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The house is a basic need, but not everyone has the purchasing power. This opportunity is exploited by the Islamic banking with Sharia mortgages or Financing Home Ownership. There are three financing agreement used by mortgage banks in the Shari’ah ie murabaha contract, Muntahiyyah bittamlik ijara contract, and Musharaka mutanaqisah contract. This study uses the method based on litelature aimed to uncover how the implementation of the contractagreement in the main Islamic banks in the matter of ownership. Of studies conducted found a mismatch between the Islamic principles of positive law which has been applied in the third contract. The problems relating wakalah contract, and their impact on ownership.
STRATEGI OPTIMALISASI WISATA SYARIAH DI KUDUS Rosyid, Moh.
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
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People welfare is the responsibility of the government both national and local government. Local government should facilitate the development of economy, especially in terms of economic resources to support citizens. The district government of Kudus must provide facilities to support the growth of religious-tourist destinations in addition to non-religious one. Tourist destination in Kudus has contributed to the growth of tourism in Kudus so that the government has to give attentions in the form of policy, license and capital. Tourism is part of economic empowerment. The down of cigarette industry needs to be responded by promoting other economic industries. Tourism is a potential asset needs to be taken into consideration for the benefit of Kudus society. There are two national religious tourist destinations in Kudus although one of them is not categorized by the Provincial government as tourist destination. In 2014, none of tourist destination in Kudus received a grant from Tourism Department of Central Java. This condition may portray the degree of government attention in tourism. Immediate action should be taken by the government and stakeholders in Kudus.Kata Kunci: welfare, people, policyKesejahteraan rakyat merupakan tanggung jawab yang ada di pundak pemerintah dan pemerintah daerah. Keberadaan Pemda harus memfasilitasi eksisnya jalur perekonomian, terutama menghidupi sumber ekonomi rakyat dengan kebijakan yang ramah. Upaya yang harus segera direalisasikan Pemerintah Kabupaten Kudus adalah memfasilitasi eksisnya destinasi wisata syariah, selain optimalisasi destinasi wisata non-syariah. Area wisata di Kudus telah mendukung eksisnya pariwisata, hanya saja, perlu sentuhan dari pemerintah dalam bentuk sosialisasi kebijakan, kemudahan perizinan, dan pelayanan permodalan yang ramah. Eksisnya wisata dan wisata syariah merupakan bagian dari bentuk pemberdayaan ekonomi rakyat. Muramnya industri kretek sebagai pemacu agar sumber perekonomian lainnya dioptimalkan. Potensi bidang kepariwisataan di Kudus yang telah ada merupakan aset yang perlu sentuhan nyata agar kesejahteraan bagi warga Kudus terlaksana dengan baik. Satu hal yang memprihatinkan bahwa Kudus memiliki dua destinasi wisata syariah skala nasional, yakni wisata berbasis ritual keagamaan, tetapi satu di antaranya tidak termasuk destinasi wisata versi pemerintah provinsi Jawa Tengah. Bahkan penghargaan destinasi wisata yang dianugerahkan oleh Dinas Pariwisata Provinsi Jawa Tengah tahun 2014 pun tidak diperoleh Kudus. Hal ini sebagai penanda bahwa destinasi wisata dan wisata syariah di Kudus belum mendapat perhatian yang proporsional oleh pemerintah daerah Kabupaten Kudus. Keprihatinan ini agar tidak berlarut-larut, segera merapatkan barisan antara pemerintah dan pelaku wisata di Kudus.Kata Kunci: kesejahteraan, rakyat kecil, dan kebijakan ramah.
TAFSIR AYAT-AYAT KONSUMSI DAN IMPLIKASINYA TERHADAP PENGEMBANGAN EKONOMI ISLAM Kasdi, Abdurrohman
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
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All economic activity originated from human physical needs in orderto survive in this world. All purposes to survive desperately sought his own will,but if the needs to survive cannot be met by himself, so he has to take the socialinteraction in fulfilling his needs of life. This interaction represents the economic interactions including of demand and supply, consumption and production. Islamexplained that the earth and everything in it is the mandate of God to human inorder to be used as well as possible for the prosperity and welfare. Islam alsoteaches human to apply the economic activities in order to gain the pleasure ofAllah in its function as the caliph in this world.
MASALAH AGENCY DALAM PEMBIAYAAN MUDHARABAH DI BANK SYARI’AH Muhammad, Muhammad
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
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This paper attempts to theorise the behaviour of the Islamic firm in the light of the new theory of the firm. In this papers, we explore the agency problems and effort to minimalize the agency problems throught screening of adverse selection. The adverse selection due to the pre-contractual endowment of information to the entrepreneur about the productivity of the venture with respect to effort and capital. The agency problem will not happened in the mudharabah financing if the shahibul mal applied the restricted screening of adverse selection to the mudharib. The study has found that there are six attributes considered from the mudharabah projects point of view, which include the prospect of project, availability of collateral, healthiness of project, project’s financial statements, clarity of contract conditions, and conformity of time period. In regard to mudharib attributes, the study has also concluded five characteristics which are considered important. They include the business capacity, [personal] collateral, mudharibs’ reputation and family background, and their business commitments.Keywords: Screening, Adverse selection, Moral hazard, Agency problemTulisan ini mencoba untuk berteori perilaku perusahaan Islam dalam terang teori baru perusahaan. Dalam makalah ini, kami mengeksplorasi masalah keagenan dan usaha untuk meminimalkan masalah lembaga pikir screening seleksi yang merugikan. Pemilihan merugikan karena dana abadi pra-kontrak informasi kepada pengusaha mengenai produktivitas usaha sehubungan dengan usaha dan modal. Masalah keagenan tidak akan terjadi dalam pembiayaan mudharabah jika mal shahibul menerapkan skrining terbatas seleksi merugikan mudharib.Studi ini menemukan bahwa ada enam atribut yang dianggap dari proyek mudharabah sudut pandang, yang meliputi prospek proyek, ketersediaan jaminan, kesehatan proyek, laporan keuangan proyek, kejelasan kondisi kontrak, dan kesesuaian jangka waktu. Dalam hal atribut mudharib, studi ini juga telah menyimpulkan lima karakteristik yang dianggap penting. Mereka termasuk kapasitas bisnis, [pribadi] agunan, reputasi mudharibs dan latar belakang keluarga, dan komitmen bisnis mereka.Kata kunci: Penyaringan, seleksi Adverse, moral hazard, masalah Agency
TAWARRUQ PRACTICE FOR LIQUIDITY MANAGEMENT IN ISLAMIC MONEY MARKET IN INDONESIA AND MALAYSIA *, Rohmad; Mihajat, Muhammad Iman Satra; Hasan, Aznan
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
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The fast development of Islamic banking and finance in the global market in the last two decades has been raised some issues especially the issue of lack of the product for liquidity management. High demand for Islamic banking and finance it impact high innovation of products and services. Since the business of banking merely related to funding and financing that is also relevant to Islamic banking and intermediary institution, the issue of surplus position and deficit position it has to covered by the product that manage this liquidity issues. The main purpose of this paper is to review the tawarruq that being practiced as Islamic money market instrument in Indonesia and Malaysia that used by Islamic financial institution for liquidity management. In 2011, Jakarta Future Exchange has launched one instrument for Islamic bank as liquidity management instrument namely Komoditi Syariah. This product has some features differences with Bursa Suq Al-Sila Malaysia which launced in 2009, nevertheless they are using the same Islamic contract that is commodity murabahah or known as tawarruq. This paper found that there are some shariah potential issues that affect the compliancy of the product. The paper tries to put some shariah issues in the structures that should be taken into consideration for future shariah structure in liquidity risk management in Islamic banking industries. Therefore, Islamic bank, Islamic stock exchange institutions and other Islamic financial that offer Islamic financial services may take into concern what are shariah parameters in apppling tawarruq structure in any product and services in Islamic bank. Kata kunci: Liquidity Management, Tawarruq, Komoditi Syariah, Bursa Suq Al-Sila
SEBUAH PARADOKSAL KRISIS PANGAN DAN IRONI KETAHANAN PANGAN Tinjauan Perspektif Islam *, Maryatin; *, Subiyanto
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
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Today the world is faced with major economic crisis. Including the food crisis. One way of dealing to the crisis with food security program, the State’s have rich food encounter crisis, this is a paradox. This research used library research to descriptive analysis, namely to assess the food crisis, food security according to the capitalist and how Islam according to food crisis or food security, called the Islamic perspective. In addition, this research the author uses qualitative research with collecting data from the literature which categorized to the primary and secondary data. How to get the data is obtained by reading leteratur books, papers, magazines, and research reports. To overcome the food crisis there is food security program. Food security according to capitalist consists of three main sub-systems is the availability, access and absorption of food. availability of food is the food in an amount sufficient nutrious and safe for all people in a country which derived either from own production, imports, food stocks and food aid was seen in macro. If the stock is adequate availability of food is considered sufficient. Similarly, access to food is not meant for any individual security can get food needs. It’s how people are able to meet their needs by producing their own, buy, or get help in order to buy. So which determines access to food is a distribution. This distribution is still based on the price mechanism as the capitalist economic doctrine. Islam considers that food security can be achieved by placing the concept of ownership is evident. food security in Islam include: (1) guarantee for compliance basic needs of food; countries that guarantee the basic needs of its people (2) food availability and affordability of food by individual communities, and (3) State of Food Independence.
ANALISIS PENGARUH INFLASI, PRODUK DOMESTIC BRUTO DAN JUMLAH UANG BEREDAR TERHADAP RETURN ON ASSET BANK SYARIAH Sodiq, Amirus
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
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This research aims to explain the influence analysis of Inflation, Gross Domestic Bruto, and Money Supply to the Return on Asset (ROA) of Islamic Banking period 2009-2012. The sampling technique used is purposive sampling. This research sample gained from three Islamic banks and the data were obtained from published financial statement of Bank of Indonesia. Data analysis technique used multiple linier regression analysis. Where previously data had been tested with the classical assumption include data normality test, heteroscedasticity, multicollinearity and autocorrelation. F Test result showed that simultaneous variable of Inflation, Gross Domestic Bruto, and Money Supply have a significant effect on ROA while T Test result showed that partially Inflation haven’t a significant effect on ROA while GDP have a positive and significant effect on ROA while Money Supply have a negative and significant effect on ROA.Penelitian ini bertujuan untuk menjelaskan analisis pengaruh inflasi, produk domestic bruto dan jumlah uang beredar terhadap return on asset perbankan syariah periode 2009 – 2012. Teknik sampel yang digunakan adalah purposive sampling. Jumlah sampel dalam penelitian ini sebanyak tiga bank syariah. Dimana datanya diambil dari laporan leuangan yang telah dipublikasikan oleh Bank Indonesia. Teknik analisis data dengan menggunakan analisis regresi linier berganda. Dimana sebelumnya telah dilakukan uji asumsi klasik yang meliputi uji normalitas, heteroskedastisitas, multikolinieritas dan autokorelasi. Hasil uji F menunjukkan bahwa secara simultan variable inflasi, produk domestic bruto dan jumlah uang beredar berpengaruh secara signifikan terhadap return on asset, adapun hasil uji T menunjukkan bahwa secara parsial inflasi tidak menunjukkan pengaruh yang signifikan terhadap return on asset, sedangkan produk domestic bruto menunjukkan pengaruh positif dan signifikan terhadap return on asset dan jumlah uang beredar menunjukkan pengaruh negatif dan signifikan terhadap return on asset.   Kata Kunci: Inflasi, Produk Domesti Bruto, Uang Beredar, Return on Asset

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