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INDONESIA
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 24077119     EISSN : 25276646     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam, a journal, provides a forum for publishing the original research articles, review articles from contributors, and the novel technology news related to Business, Economics, and Management. Research articles dealing with Islamic economics, Islamic banking, Islamic finance, etc. are particularly welcome. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in Islamic economics, banking, and finance.
Arjuna Subject : -
Articles 196 Documents
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Epistemologi Ekonomi Islam dan Pengembangannya pada Kurikulum Ekonomi Islam di Perguruan Tinggi Rozalinda, Rozalinda
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No.1 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Islamic economics as a discipline has a foundation of epistemology. The main problem in the development of economics and Islamic finance in Indonesia is still the gap between the needs of industry and graduate from college. This study aims to analyze how epistemology and the development of Islamic economics and the curriculum structure of Islamic economics in universities that teach Islamic economics and what is effective approach to be applied so that graduates can meet the needs of the financial industry Islamic economics. The method used in this study is a content analysis is used to explain the depth of the curriculum of Islamic economics in college. Based on the results of the study found that the difference was the presence of Islamic economics learning systems in higher education so that graduates produced by universities that teach Islamic economic is still little that can meet the market needs of the Islamic financial industry.
Analisis Faktor Non Performing Financing (NPF) pada Industri Perbankan Syariah Maidalena, Maidalena
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No.1 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This study aims to identify and analyze the influence of the Capital Adequacy Ratio (CAR) against Non-Performing Loans (NPLs) industry banking.
PENGARUH FAKTOR PRESPEKTIF BWI-SU TERHADAP PELUANG PENINGKATAN DANA WAKAF PRODUKTIF DI SUMATERA UTARA Syahbudi, muhammad; Alwainiy, Irfah
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No. 2 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

BWI-SU existence in waqf plays a very important for developing or not all waqf property. Nazhir assigned the duty to maintain and administer endowments objects, where this sense then in Indonesia developed into a group of persons or legal entities entrusted with the task to maintain and take care of charitable objects. In addition, Nazhir also have an obligation to maintain, develop and preserve the benefits from property for people who are entitled to get it, means that the function and malfunction of an waqf  depending on Nazhir. This paper aims to determine the effect of the variable perspective of Nazhir namely managers in BWI SU against the odds increase endowment fund. The authors conducted a survey on the BWI SU. Sampling method used is convenience sampling method on 20 Nazhir or managers of waqf. Writer using multiple regression method. In this study the variable perspective endowment managers at BWI SU consists of professionalism, socialize, network and data base where these variables is the source of the increase in endowment funds. So the goal of the author that in order to maintain the professionalism, continue to socialize and build a network line and further increase in the application database.
Comprehensive Supervision for Operational Soundness of Sharia Financial Service Cooperatives Nurhayadi, Yadi
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No.1 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Bayt al-Māl wa al-Tamwīl (BMT), which by law in Indonesia BMT is called as Koperasi Jasa Keuangan Syariah (KJKS, Sharia Financial Service Cooperatives), is an ideal sharia banking activities, where those activities involve all of community component: micro, small, medium, and high economic class. BMT is also classified as a constitutional sharia financial institution in Indonesia. Based on that fact, with appropriate to the law, BMT could involve in sharia financial industry and market complexities. The activities and involvements would bring consequences that BMT is included as financial institution that must be supervised and must allow periodic supervision related to its operational soundness. The research in this paper offers an analyzing of BMT operational soundness based on CAMELS rating system plus examination. The system is composed of integration of sharia banking CAMELS rating system that was researched by Muljawan and Sharia Banking Directorate – Bank Indonesia, and BMT performance calculation system that was formulated by Pusat Inkubasi Bisnis dan Usaha Kecil (Pinbuk, Center for Micro Enterprise Incubation). CAMELS plus system is sharia banking CAMELS that accommodates all of aspects of BMT character. CAMELS rating system plus is tested for analyzing BMT operational soundness. The accurate process is applied to synthetic and actual data of BMT, particularly with mathematics, accounting, and banking economics approximation. This system is accurate and capable for processing and analyzing step by step operational soundness of BMT: quantitative and qualitative aspects, including sharia aspects compliance. CAMELS plus assessment results are a composite rating of BMT operational soundness that is classified: quite sound (P1), sound (P2), sound enough (P3), less sound (P4), or unsound (P5); analysis and rating of soundness of every indicator, major area, and component of CAMELS; constructive advices of BMT soundness quality improvements; action plan and analysis of operational continuities. CAMELS plus results, which is continued with action plan and analysis of operational continuities, will give the best solution, whether BMT must stand in or improve its soundness qualities, for quite sound of BMT continuities.
Konsumen Bank Islam di Indonesia: Siapa Mereka? Panorama, Maya
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No.2 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

The object of this study is consumen of Islamic bank. But this study different with mostly study which is focus on factor that influence customer choosing Islamic Banking. By focus on mapping for Islamic bank”s customer in Indonesia according to their characteristic such as age, income level, level og education, and sex, this research elaborate customer’s demand basic on their characteristic. Methods use of the study by proposed a model of demand on customer. Reseach use proposed model by Dar (2008) in demand index. By this model, we found that there is 3 cateogries of Islamic Bank’s Customer with different characteristic. As a conclusion this study give recommendation how bank create their product basic on the availability of their customer based on their demand.
Solution of Zakat Problem in Indonesia with Modification Action Research Huda, Nurul
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No.1 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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The research is aimed to identify Zakat problems encountered in Indonesia. The programs and problems were faced by Zakat institutions (OPZ) in carrying out its functions on collecting, distributing, and empowering Zakat and proposing some ideas to solve the problems. The method used was modified action research by carrying out two main steps namely problems identification and ideas proposal as the solution to the problems. The informants of the research are Zakat stakeholders including The Directorate of Zakat Empowerment, the state-supported Zakat Collecting Board (BAZNAS), the privately run institution of National Zakat Collectors (LAZNAS) of Dompet Dhuafa, Zakat practitioners, mustahiq (Zakat recipients), and muzakki (Zakat payers). The research results show that Indonesia‟s problems of Zakat which include the remaining disagreement among Zakat stakeholders on the organization models of Zakat collector and distributor, the lack of synergies employed by Zakat organizations and the limited number of Zakat officials. Besides that, can be identified that zakat empowerment and distribution are divided into two groups namely charity and empowerment. Related to the problems of Zakat institutions, the problems are the overlapping of empowerment programs among the institutions, the inaccurate data of mustahiq and muzakki, the limited number of partnerships among zakat institutions, expensive promotion model, and the limited number of professional Zakat officials. The ideas proposed for solving the above problems are the government to accommodate all the existing Zakat institutions with the approach of affiliation, the synergy among the institutions with the approach of area, collecting programs, distribution and empowerment and the standardization of Zakat officials. While the agenda of action that related to the Zakat institution problems are the compilation of mustahik and muzaki‟s data through the role of mosques, the preparation of Zakat officials in the cooperation with higher education, making Zakat as a national program across departments, the collaboration with the affiliation of Indonesian preachers (IKADI) and the Board of Mosque Management (DKM).
THE LOCAL WISDOM IN THE PRACTICE OF PROFIT AND LOSS SHARING (PLS) IN THE FISHERY SYSTEM: A STUDY OF ISLAMIC ECONOMIC ACTIVITIES IN TAPAK KUDA VILLAGE, DISTRICT OF TANJUNG PURA, LANGKAT REGENCY, NORTH SUMATERA PROVINCE Ridwan, Muhammad; sugianto, sugianto
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No. 2 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This research examines the practice of profit and loss sharing (PLS) in fishery system in Tapak Kuda village of Tanjung Pura, District of Langkat. This system is implemented by the fishermen and involved many parties. This kind of profit and loss sharing system has been a local wisdom of the community of this village. This reseach finds that this type of local wisdom is a result of internalization process in the context of social construction since long time ago. This internalization involved many factors. For further study, this research recommends a deeper study on local wisdom related to Islamic economic activity of Indonesian society.
Analisis Return dan Kalender Anomali: Studi Komparatif Antara Saham Syariah dan Konvensional Di Indonesia Majid, M. Shabri Abd.; Windaswari, Cut
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No.1 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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This research aims at empirically examiing the differences between conventional and Islamic stock returns. It also attempted to test the differences between the average return of 30-day before Eid and 30-day after Eid, and the effects of weekend, January and Ramadan on the rate of closing daily stock returns of the Jakarta Islamic Index and Index of LQ-45 in the Indonesian Stock market during the period December 1, 2009 to January 30, 2014. The method of analysis used to test the differences between the conventional and Islamic stock returns is the Independent sample t-test, while the dependent sample t-test is used to test the differences between the average return of 30-day before Eid and 30-day after Eid. Finally, to empirically examine the influence of the effects of the weekend, the January effect, and the Ramadan effect on the stock returns, the study used the Ordinary Least Square regression. The study documented that that there was no difference between the returns of Islamic and conventional stocks in Indonesia. The study also found that there was no difference between the average return of 30-day before Eid Fitri and 30-day after Eid. Finally, the study also found that there was an absence of the phenomenon of the weekend effect, January effect and the effect of Ramadan during the study period both in the Islamic and conventional stocks in Indonesia.
Politik Ekonomi Islam Dalam Pengendalian Inflasi Siregar, Saparuddin
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No.2 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Inflation control in Indonesia is conducted through the monetary sector by the Bank of Indonesia as monetary authority through coordination with several ministries and regional leaders by means of TPID (Tim Pengendalian Inflasi Daerah – Team to Control Regional Inflation). However, inflation remains high on average. Such situation is unwelcome for the economy, one major reason being the general reduction of societal purchasing power. This article asserts that political economic method of controlling inflation through the monetary sector which is still based on bank interest is contradictive due to its very nature of increasing inflation. This method should be slowly changed to one that is based on profit-and-loss sharing. The role played by TPID in inflation control is an ideal concept to control inflation through the creation of a perfect market, as such TPID’s seriousness is needed to execute programs which can contribute to inflation control. Society has an important role in inflation control through self-restraint based on transaction ethics. Transaction ethics is self-restrain to not increase price arbitrarily which could burden society itself. The amount of profit is indeed not limited, but it will be more socially beneficial (maslahat) when all society’s members exercise self-restraint and do not raise price of one good arbitrarily, which can lead to the increase of price of other goods and prolonged inflation.
KONSEP BUNGA DAN PRINSIP EKONOMI ISLAM DALAM PERBANKAN SYARIAH Rahim, Abdul
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Human Falah: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No. 2 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Interest is an additional charging on the transaction of money loan that can be calculated in primarily loan without considering the benefit of this loan. Now days, Muslims could not avoid their selves from muamalah with the conventional banks who use the system of interest in all aspects of life, including their religious life and primarily their economic life. Nevertheless, Islamic banking is expected to avoid the application of the interest system and consistency in applying the mudhrabah system. Therefore, where the mudarabah system is a business cooperation agreement between the two parties, in which the first party provides the overall of capital, while others become managers. Mudarabah business profits are divided according to the contract agreement, whereas if the loss, responsible by the owners of the capital as long as the loss is not due to negligence of manager. Had the losses caused by fraud or negligence of the manager, then the manager should be responsible for the losses. Therefore, Islamic banks also apply Wadiah system which can be interpreted as a pure deposit of one party to the other, both individuals and legal counsel entities that must be preserved and restored anytime depositors’ wills. Therefore, Islamic economic principles which have been applied in this case are Mudarabha, Musharaka, and Murabaha.

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