This research was motivated by the existence of educational savings deposits at KSPPS Matholi'ul Anwar Simo Sungelebak, Karanggeneng District, Lamongan Regency with a wadi'ah contract. The formulation of the problem in this study is how to implement wadi'ah contracts on educational savings products at KSPPS Matholi'ul Anwar, Karanggeneng District, Lamongan Regency and how to analyze the implementation of wadi'ah contracts on educational savings products at KSPPS Matholi'ul Anwar, Karanggeneng District, Lamongan Regency. The purpose of this study is to find out how the implementation of wadi'ah contracts on educational savings products and how to analyze the implementation of wadi'ah contracts on educational savings products at KSPPS Matholi'ul Anwar, Karanggeneng District, Lamongan Regency. This research uses a qualitative research type. The results of this study show that from the results regarding the implementation of wadi'ah contracts on educational savings at KSPPS Matholi'ul Anwar simo sungelebak Karanggeneng sub-district, Lamongan Regency, the savings products are in accordance with sharia principles which are clarified with the terms and pillars fulfilled and KSPPS Matholi'ul Anwar has given bonuses to customers but the cooperative has never given bonuses again.
这项研究的动机是在拉蒙干县Karanggeneng区KSPPS Matholi'ul Anwar Simo Sungelebak存在教育储蓄存款，并签订了wadi'ah合同。本研究问题的提法是如何在拉蒙干县卡朗根根区KSPPS马图里乌尔安瓦尔实施教育储蓄产品的瓦迪哈合同，以及如何分析拉蒙干县卡朗根根区KSPPS马图里乌尔安瓦尔实施教育储蓄产品的瓦迪哈合同。本研究的目的是了解wadi'ah合同在教育储蓄产品上的实施情况，以及如何分析拉蒙干县Karanggeneng区KSPPS Matholi'ul Anwar的教育储蓄产品实施情况。本研究采用定性研究类型。本研究的结果表明，从结果关于在KSPPS Matholi'ul Anwar simo sungelebak Karanggeneng街道，拉蒙根县的教育储蓄wadi'ah合同的实施，储蓄产品符合伊斯兰教原则，明确了条款和支柱的履行，KSPPS Matholi'ul Anwar给客户奖金，但合作社再也没有给奖金。
{"title":"Analisis Akad Wadi'ah pada Produk Tabungan Pendidikan di KSPPS Matholi’ul Anwar Karanggeneng Lamongan","authors":"Dwi Aprilianto, Nicky Utami Novitasari","doi":"10.30736/jes.v8i2.720","DOIUrl":"https://doi.org/10.30736/jes.v8i2.720","url":null,"abstract":"This research was motivated by the existence of educational savings deposits at KSPPS Matholi'ul Anwar Simo Sungelebak, Karanggeneng District, Lamongan Regency with a wadi'ah contract. The formulation of the problem in this study is how to implement wadi'ah contracts on educational savings products at KSPPS Matholi'ul Anwar, Karanggeneng District, Lamongan Regency and how to analyze the implementation of wadi'ah contracts on educational savings products at KSPPS Matholi'ul Anwar, Karanggeneng District, Lamongan Regency. The purpose of this study is to find out how the implementation of wadi'ah contracts on educational savings products and how to analyze the implementation of wadi'ah contracts on educational savings products at KSPPS Matholi'ul Anwar, Karanggeneng District, Lamongan Regency. This research uses a qualitative research type. The results of this study show that from the results regarding the implementation of wadi'ah contracts on educational savings at KSPPS Matholi'ul Anwar simo sungelebak Karanggeneng sub-district, Lamongan Regency, the savings products are in accordance with sharia principles which are clarified with the terms and pillars fulfilled and KSPPS Matholi'ul Anwar has given bonuses to customers but the cooperative has never given bonuses again.","PeriodicalId":476214,"journal":{"name":"JES (Jurnal Ekonomi Syariah)","volume":"149 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136239803","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper attempts to answer two questions: what is justice in Islamic economics and what is the manifestation of justice in Islamic economics. This research is library research, by using a qualitative approach which produces descriptive data in the form of written words. The data analysis technique used in this research is hermeneutics. The research results show: First, Islamic economics is based on the idea of distributive justice. The concept of justice in the Islamic economic system is distributive justice, namely treatment of someone according to the services they have performed. With distributive economic justice, everyone will get their rights according to the contribution they make, and at the same time everyone must also be free from exploitation of other people. In other words, Islamic economic justice requires a state of 'neither tyrannizing nor being wronged'. Second, the philosophical value of Islamic economic justice can be applied to various economic activities: products, distribution, consumption, finance, business, development, and so on. The practice of justice in Islamic economics can also be found in the rationality of profit and loss sharing (PLS). One of the characteristics of the Islamic economic system is the distribution of profit and loss. Stakeholders share profit and loss using a PLS system. Muá¸arabah and musyarakah are two instruments of distribution in economic activities that provide justice.
{"title":"Keadilan Ekonomi Islam dan Implementasinya","authors":"Ahmad Ubaidillah, Khozainul Ulum","doi":"10.30736/jes.v8i2.713","DOIUrl":"https://doi.org/10.30736/jes.v8i2.713","url":null,"abstract":"This paper attempts to answer two questions: what is justice in Islamic economics and what is the manifestation of justice in Islamic economics. This research is library research, by using a qualitative approach which produces descriptive data in the form of written words. The data analysis technique used in this research is hermeneutics. The research results show: First, Islamic economics is based on the idea of distributive justice. The concept of justice in the Islamic economic system is distributive justice, namely treatment of someone according to the services they have performed. With distributive economic justice, everyone will get their rights according to the contribution they make, and at the same time everyone must also be free from exploitation of other people. In other words, Islamic economic justice requires a state of 'neither tyrannizing nor being wronged'. Second, the philosophical value of Islamic economic justice can be applied to various economic activities: products, distribution, consumption, finance, business, development, and so on. The practice of justice in Islamic economics can also be found in the rationality of profit and loss sharing (PLS). One of the characteristics of the Islamic economic system is the distribution of profit and loss. Stakeholders share profit and loss using a PLS system. Muá¸arabah and musyarakah are two instruments of distribution in economic activities that provide justice.","PeriodicalId":476214,"journal":{"name":"JES (Jurnal Ekonomi Syariah)","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-09-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135935456","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of this study was to analyze the influence of Good Corporate Governance (GCG) and the Return on Investment Ratio to Solvency in Islamic Life Insurance Companies in Indonesia. This study uses a quantitative approach using secondary data. The population of this study is all Sharia Life Insurance Companies in Indonesia with the 2017-2021 research period. The sampling technique used purposive sampling method. Samples that met the criteria were 18 Sharia Life Insurance from 23 Sharia Life Insurance in Indonesia. The model used as an analysis tool is multiple regression analysis. Data processing in this study uses SPSS 25.0 tools. The results of this study indicate that simultaneously the variables of the Board of Commissioners, Board of Directors and Investment Return Ratio have a positive and significant effect on Solvency (RBC) on Sharia Life Insurance in Indonesia, while partially the Board of Commissioners has a negative and significant effect on Solvability (RBC), Board of Directors has a negative and significant effect on Solvability (RBC) and the Return on Investment Ratio has no effect on Solvability (RBC).
本研究的目的是分析印尼伊斯兰人寿保险公司良好公司治理(GCG)和投资回报率与偿付能力比率的影响。本研究采用二手数据的定量方法。本研究的人口是2017-2021年研究期间印度尼西亚的所有Sharia人寿保险公司。抽样技术采用目的抽样法。符合标准的样本是来自印度尼西亚23家Sharia Life Insurance的18家Sharia Life Insurance。作为分析工具的模型是多元回归分析。本研究的数据处理使用SPSS 25.0工具。研究结果表明，董事会、董事会和投资回报率这三个变量同时对印尼Sharia Life Insurance的偿付能力(RBC)有正向显著影响，而董事会对偿付能力(RBC)有部分负向显著影响，董事会对偿付能力(RBC)有负向显著影响，而投资回报率对偿付能力(RBC)没有影响。
{"title":"GOOD CORPORATE GOVERNANCE (GCG) TERHADAP SOLVABILITAS PERUSAHAAN ASURANSI JIWA SYARIAH DI INDONESIA","authors":"Lina Adbiyah, Zubaidah Nasution, Mellyza Silvy, Surya Setiawan","doi":"10.30736/jes.v8i2.602","DOIUrl":"https://doi.org/10.30736/jes.v8i2.602","url":null,"abstract":"The purpose of this study was to analyze the influence of Good Corporate Governance (GCG) and the Return on Investment Ratio to Solvency in Islamic Life Insurance Companies in Indonesia. This study uses a quantitative approach using secondary data. The population of this study is all Sharia Life Insurance Companies in Indonesia with the 2017-2021 research period. The sampling technique used purposive sampling method. Samples that met the criteria were 18 Sharia Life Insurance from 23 Sharia Life Insurance in Indonesia. The model used as an analysis tool is multiple regression analysis. Data processing in this study uses SPSS 25.0 tools. The results of this study indicate that simultaneously the variables of the Board of Commissioners, Board of Directors and Investment Return Ratio have a positive and significant effect on Solvency (RBC) on Sharia Life Insurance in Indonesia, while partially the Board of Commissioners has a negative and significant effect on Solvability (RBC), Board of Directors has a negative and significant effect on Solvability (RBC) and the Return on Investment Ratio has no effect on Solvability (RBC).","PeriodicalId":476214,"journal":{"name":"JES (Jurnal Ekonomi Syariah)","volume":"2022 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135183030","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims at finding out the integration of green waqf through the crowdfunding digital platform and the social impacts provided for the community. This research applies library research method and qualitative analysis approach. The integration of green waqf through the crowdfunding digital platform and its relationship to embody the sustainable development between generations. Green waqf is one of instruments of Islamic law to deal with the problems of the ummah, one of which is environmental problems related to sustainable development and intergenerational justice. This research was conducted qualitatively using analytical descriptive design. The results show that green waqf is able to balance development and environmental sustainability that leads to sustainable environmental preservation and equality between generations, where future generations are still at the same level of utilization as the current generation, in terms of variety of choices and access to resources. natural. Green waqf is an environmental conservation innovation movement that begins with raising funds through a crowdfunding mechanism, which results in the purchase of critical land to be reforested. As the critical land gets verdant and has ecological value, it will be donated to the village community on the condition that the forest must be maintained and must not be damaged. Green waqf does not only answer the problem of natural damage, but also brings benefits from various aspects of ecology, energy sustainability, social, economic, and community welfare.
{"title":"Integrasi Green Waqf Melalui Platform Digital Crowdfunding dan Dampak Sosialnya Bagi Masyarakat","authors":"Mochammad Salman Alfarisi, Nurul Huda","doi":"10.30736/jes.v8i2.623","DOIUrl":"https://doi.org/10.30736/jes.v8i2.623","url":null,"abstract":"This study aims at finding out the integration of green waqf through the crowdfunding digital platform and the social impacts provided for the community. This research applies library research method and qualitative analysis approach. The integration of green waqf through the crowdfunding digital platform and its relationship to embody the sustainable development between generations. Green waqf is one of instruments of Islamic law to deal with the problems of the ummah, one of which is environmental problems related to sustainable development and intergenerational justice. This research was conducted qualitatively using analytical descriptive design. The results show that green waqf is able to balance development and environmental sustainability that leads to sustainable environmental preservation and equality between generations, where future generations are still at the same level of utilization as the current generation, in terms of variety of choices and access to resources. natural. Green waqf is an environmental conservation innovation movement that begins with raising funds through a crowdfunding mechanism, which results in the purchase of critical land to be reforested. As the critical land gets verdant and has ecological value, it will be donated to the village community on the condition that the forest must be maintained and must not be damaged. Green waqf does not only answer the problem of natural damage, but also brings benefits from various aspects of ecology, energy sustainability, social, economic, and community welfare.","PeriodicalId":476214,"journal":{"name":"JES (Jurnal Ekonomi Syariah)","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-08-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135840913","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Baitul Mal wa Tamwil (BMT) is a Microfinance institution that boosts the economy in the MSME sector. BMT is expected to reach the agricultural sector. In some cases, capital is still weak in the agricultural sector. The establishment of the BMT Khairul Amin Martapura Rangas River branch is expected to help the community, especially farmers, solve the capital problems. This research is field research using qualitative method approach. In addition to producing qualitative data results, this research uses a simple quantitative approach to strengthen the analysis results by explaining the data with numbers. There are six informants in the study. The results revealed that the existence and accessibility of BMT are pretty good. However, in the agricultural sector, it is still not good because the percentage of farmer customers is only 21.05%, and the financing disbursed is only 35.04%.
Baitul Mal wa Tamwil (BMT)是一家促进中小微企业经济发展的小额信贷机构。BMT预计将进入农业部门。在某些情况下，农业部门的资本仍然薄弱。BMT Khairul Amin Martapura Rangas河分支的建立有望帮助社区，特别是农民解决资金问题。本研究采用定性方法进行实地研究。除了产生定性的数据结果外，本研究还采用简单的定量方法，通过数字解释数据来加强分析结果。在这项研究中有六个线人。结果表明，BMT的存在性和可达性较好。然而，在农业领域，它仍然不太好，因为农民客户的比例只有21.05%，融资支出只有35.04%。
{"title":"Does The Existence of Sharia Microfinance Institutions Contribute to Agricultural Financing? (Study at BMT Khairul Amin Martapura)","authors":"Ermawati Ermawati, Zaki Mubarak","doi":"10.30736/jes.v8i2.553","DOIUrl":"https://doi.org/10.30736/jes.v8i2.553","url":null,"abstract":"Baitul Mal wa Tamwil (BMT) is a Microfinance institution that boosts the economy in the MSME sector. BMT is expected to reach the agricultural sector. In some cases, capital is still weak in the agricultural sector. The establishment of the BMT Khairul Amin Martapura Rangas River branch is expected to help the community, especially farmers, solve the capital problems. This research is field research using qualitative method approach. In addition to producing qualitative data results, this research uses a simple quantitative approach to strengthen the analysis results by explaining the data with numbers. There are six informants in the study. The results revealed that the existence and accessibility of BMT are pretty good. However, in the agricultural sector, it is still not good because the percentage of farmer customers is only 21.05%, and the financing disbursed is only 35.04%.","PeriodicalId":476214,"journal":{"name":"JES (Jurnal Ekonomi Syariah)","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135006633","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to find out and explain about the nature of fiscal policy in Islam as an effort to create a society based on a balanced wealth distribution. This research is descriptive analysis using qualitative data as the type of research and literature study as one of the data collection techniques. This research concludes that: First, in Islam there are limits on fiscal policy as a step to change the tax or expenditure system with the aim of overcoming the economic problems faced by the government; Second, Islamic fiscal policy became part of the religious (diyanatan) and state (qadaan) provisions; Third, fiscal policy instruments in Islam include state revenues and expenditures, which in turn are managed to realize the concept of prosperity.
{"title":"The Nature of Fiscal Policy in Islam as an Effort to Realize The Concept of Prosperity","authors":"Nasrudin Nasrudin","doi":"10.30736/jes.v8i2.571","DOIUrl":"https://doi.org/10.30736/jes.v8i2.571","url":null,"abstract":"This study aims to find out and explain about the nature of fiscal policy in Islam as an effort to create a society based on a balanced wealth distribution. This research is descriptive analysis using qualitative data as the type of research and literature study as one of the data collection techniques. This research concludes that: First, in Islam there are limits on fiscal policy as a step to change the tax or expenditure system with the aim of overcoming the economic problems faced by the government; Second, Islamic fiscal policy became part of the religious (diyanatan) and state (qadaan) provisions; Third, fiscal policy instruments in Islam include state revenues and expenditures, which in turn are managed to realize the concept of prosperity.","PeriodicalId":476214,"journal":{"name":"JES (Jurnal Ekonomi Syariah)","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135051154","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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