Pub Date : 2017-01-03DOI: 10.21580/ECONOMICA.2016.7.2.1157
Heny Yuningrum
The economics competition was happened fastly now.Seperti halnya usaha ritel yang sekarang ini menjamur. As the ritel business like mushroomed now.Toko Kelontong have been drowning than the ritel business. The drowning of Toko kelontong in the public while give decline result of their income. This research while discuss about how to increasing the customer loyality of toko kelonotong or traditional shop to competitied with the ritel shop. The type of this article is qualitative research with the explanatory or libarary research and to summarize the more research. And the finally can get the solution for traditional shop.. Th is result of this research are was see more thing was doing the ritel shop like the cleaness and the comfortable of place, the completely of product, give the promotion of product, give the friendly service, give the low price than ritel shop, give the more innovation on the store, setting of product more neatly, the government must give the solution the problem solving of their competition, and needs the relationship of ritel shop and traditional shop.
{"title":"USAHA UNTUK MENINGKATKAN LOYALITAS TOKO KELONTONG DALAM MENGHADAPI USAHA RITEL YANG MENJAMUR DI MASYARAKAT","authors":"Heny Yuningrum","doi":"10.21580/ECONOMICA.2016.7.2.1157","DOIUrl":"https://doi.org/10.21580/ECONOMICA.2016.7.2.1157","url":null,"abstract":"The economics competition was happened fastly now.Seperti halnya usaha ritel yang sekarang ini menjamur. As the ritel business like mushroomed now.Toko Kelontong have been drowning than the ritel business. The drowning of Toko kelontong in the public while give decline result of their income. This research while discuss about how to increasing the customer loyality of toko kelonotong or traditional shop to competitied with the ritel shop. The type of this article is qualitative research with the explanatory or libarary research and to summarize the more research. And the finally can get the solution for traditional shop.. Th is result of this research are was see more thing was doing the ritel shop like the cleaness and the comfortable of place, the completely of product, give the promotion of product, give the friendly service, give the low price than ritel shop, give the more innovation on the store, setting of product more neatly, the government must give the solution the problem solving of their competition, and needs the relationship of ritel shop and traditional shop.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"109-139"},"PeriodicalIF":0.0,"publicationDate":"2017-01-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47696889","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}
Pub Date : 2017-01-03DOI: 10.21580/economica.2016.7.2.1159
Siti Mujibatun
The concept of Time Value of Money in the LKS is not accepted because of riba, but in practically mainly on small investors to invest, will face a big problem if it rejects the principle of Time Value of Money, whenever any country will have inflation. will be injustice when Islamic banking do not give a rate of return to the investor. The research is a qualitative, primary data sources and data collection consisted of a document. The Brochure of Product Financing Transactions in LKS, b). Fatwa DSN-MUI 2000, c). CD-ROM File Maushu'ah al-Hadith al-Sharif al-Tis'ah 1997 Edition II, d). The Books related to the concept of Time Value of Money, e). SOP (Standard Operational Product) financing and acounting system. Secondary data consists of various books related to the concept of Time Value of Money both modern and classical fiqh books and Research results related to this research problem. This research analyzes the discriftive approach, with results as follows: 1. Time Value of Money in the LKS is not acceptable, because the increase in the Time Value of Money earned should be of real business, not because of the debt contract / qardh 2. Time Value of Money by economic concepts Hadis Muhammad saw among other things contained in the contract of salam/ indent, BBA and 'disconto, araya and provision for debt payments 3. the occurrence of in-consistency between ideology Time Value of Money with praxis in LKS due in addition to not paying attention to the business logic of the Prophet, helplessness in operating system usage still based on the operating system Conventional Financial Institutions (LKK).
{"title":"Inkonsistensi Prinsip TIME Value Of Money dalam Operasional Transaksi Keuangan Syariah dan Solusinya","authors":"Siti Mujibatun","doi":"10.21580/economica.2016.7.2.1159","DOIUrl":"https://doi.org/10.21580/economica.2016.7.2.1159","url":null,"abstract":"The concept of Time Value of Money in the LKS is not accepted because of riba, but in practically mainly on small investors to invest, will face a big problem if it rejects the principle of Time Value of Money, whenever any country will have inflation. will be injustice when Islamic banking do not give a rate of return to the investor. The research is a qualitative, primary data sources and data collection consisted of a document. The Brochure of Product Financing Transactions in LKS, b). Fatwa DSN-MUI 2000, c). CD-ROM File Maushu'ah al-Hadith al-Sharif al-Tis'ah 1997 Edition II, d). The Books related to the concept of Time Value of Money, e). SOP (Standard Operational Product) financing and acounting system. Secondary data consists of various books related to the concept of Time Value of Money both modern and classical fiqh books and Research results related to this research problem. This research analyzes the discriftive approach, with results as follows: 1. Time Value of Money in the LKS is not acceptable, because the increase in the Time Value of Money earned should be of real business, not because of the debt contract / qardh 2. Time Value of Money by economic concepts Hadis Muhammad saw among other things contained in the contract of salam/ indent, BBA and 'disconto, araya and provision for debt payments 3. the occurrence of in-consistency between ideology Time Value of Money with praxis in LKS due in addition to not paying attention to the business logic of the Prophet, helplessness in operating system usage still based on the operating system Conventional Financial Institutions (LKK).","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"155-180"},"PeriodicalIF":0.0,"publicationDate":"2017-01-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46894197","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}
Pub Date : 2016-05-31DOI: 10.21580/ECONOMICA.2016.7.1.1031
C. Huda
A discussion of the modern economic system, usually refers to two major systems, namely capitalism based on the capital markets (capital) and guided socialism which tried to solve problems of production, consumption and distribution through the chain of command. In addition to these two major systems, also known as the Islamic economic system, which refers to the economic practice of the Prophet Muhammad, peace be upon him. Islamic economic system is an alternative to the fundamental problems of the two major systems that already exist. However, when referring to the conditions of the birth of Islam in the midst of Arab society steeped in culture trade, alleged the influence of the capitalist culture of the economic system of Islam, so Islam is perceived closer to capitalism than socialism. Through the study of literary conclusion that Islam and capitalists are the two things affect each other. Sociologically, Islam is present in a capitalist society that both have an attachment. Capitalism, especially trade capitalism existed before Islam came. Before the birth of Islam, Mecca has become the center of international trade and finance. The Prophet Muhammad himself was a merchant before it became a prophet. Thus, capitalism is an ideology or a system that comes from the outside and into the schools of economic thought incoming and economic influence of Islam, although Islam also influence and correct the economic life or Capitalism applicable. Therefore Islam and capitalism are two forces that interact and influence. A discussion of the modern economic system, usually refers to two major systems, namely capitalism based on the capital markets (capital) and guided socialism which tried to solve problems of production, consumption and distribution through the chain of command. In addition to these two major systems, also known as the Islamic economic system, which refers to the economic practice of the Prophet Muhammad, peace be upon him. Islamic economic system is an alternative to the fundamental problems of the two major systems that already exist. However, when referring to the conditions of the birth of Islam in the midst of Arab society steeped in culture trade, alleged the influence of the capitalist culture of the economic system of Islam, so Islam is perceived closer to capitalism than socialism. Through the study of literary conclusion that Islam and capitalists are the two things affect each other. Sociologically, Islam is present in a capitalist society that both have an attachment. Capitalism, especially trade capitalism existed before Islam came. Before the birth of Islam, Mecca has become the center of international trade and finance. The Prophet Muhammad himself was a merchant before it became a prophet. Thus, capitalism is an ideology or a system that comes from the outside and into the schools of economic thought incoming and economic influence of Islam, although Islam also influence and correct the economic life or Capitalism appli
{"title":"EKONOMI ISLAM DAN KAPITALISME (Merunut Benih Kapitalisme dalam Ekonomi Islam)","authors":"C. Huda","doi":"10.21580/ECONOMICA.2016.7.1.1031","DOIUrl":"https://doi.org/10.21580/ECONOMICA.2016.7.1.1031","url":null,"abstract":"A discussion of the modern economic system, usually refers to two major systems, namely capitalism based on the capital markets (capital) and guided socialism which tried to solve problems of production, consumption and distribution through the chain of command. In addition to these two major systems, also known as the Islamic economic system, which refers to the economic practice of the Prophet Muhammad, peace be upon him. Islamic economic system is an alternative to the fundamental problems of the two major systems that already exist. However, when referring to the conditions of the birth of Islam in the midst of Arab society steeped in culture trade, alleged the influence of the capitalist culture of the economic system of Islam, so Islam is perceived closer to capitalism than socialism. Through the study of literary conclusion that Islam and capitalists are the two things affect each other. Sociologically, Islam is present in a capitalist society that both have an attachment. Capitalism, especially trade capitalism existed before Islam came. Before the birth of Islam, Mecca has become the center of international trade and finance. The Prophet Muhammad himself was a merchant before it became a prophet. Thus, capitalism is an ideology or a system that comes from the outside and into the schools of economic thought incoming and economic influence of Islam, although Islam also influence and correct the economic life or Capitalism applicable. Therefore Islam and capitalism are two forces that interact and influence. A discussion of the modern economic system, usually refers to two major systems, namely capitalism based on the capital markets (capital) and guided socialism which tried to solve problems of production, consumption and distribution through the chain of command. In addition to these two major systems, also known as the Islamic economic system, which refers to the economic practice of the Prophet Muhammad, peace be upon him. Islamic economic system is an alternative to the fundamental problems of the two major systems that already exist. However, when referring to the conditions of the birth of Islam in the midst of Arab society steeped in culture trade, alleged the influence of the capitalist culture of the economic system of Islam, so Islam is perceived closer to capitalism than socialism. Through the study of literary conclusion that Islam and capitalists are the two things affect each other. Sociologically, Islam is present in a capitalist society that both have an attachment. Capitalism, especially trade capitalism existed before Islam came. Before the birth of Islam, Mecca has become the center of international trade and finance. The Prophet Muhammad himself was a merchant before it became a prophet. Thus, capitalism is an ideology or a system that comes from the outside and into the schools of economic thought incoming and economic influence of Islam, although Islam also influence and correct the economic life or Capitalism appli","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"27-49"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68346810","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}
Pub Date : 2016-05-31DOI: 10.21580/economica.2016.7.1.1034
Mila Sartika, Hendri Hermawan Adinugraha
The development of Islamic banking is relatively significant modifications to the current demands of product variants resulted in raising funds and financing at Islamic banking. The concept of ijārah and ijārah muntahiyah bi al-tamlīk (IMBT) both are one example of financial products and services in Islamic banking. By the mindless, this paper aims to describe the concept of ijārah and IMBT on Islamic banking and explained at the level of practice and compliance with the law analyze normative (al-Qur’an, Hadith, and the MUI Fatwa/DSN) and positive law (the Compilation of Sharia Economic Law which issued by the Supreme Court). This research uses a field of research that is descriptive analytical study then combined with the library to produce a comprehensive description of the ijārah and IMBT. Data analysis techniques starting from the identification of problems, data collection, solve problems which eventually led to the solution in the form of a conclusion. From the findings it can be concluded that the implementation of ijārah and IMBT as financing products at Bank BRI Syariah Cabang Yogyakarta is done by the bank to buy what is desired by the customer (such as home and vehicle), then rent it to their bank, at the end of the contract/agreement the bank gives them the option, to have the leased goods bought by way of BRI Sharia (IMBT), or by handing it back to BRI sharia (ijārah). In practice, the operational foundation based on the Sharia Board of the National Fatwa No. 09/DSNMUI/IV2003 the Compilation Economics and Shariah Law Chapter XI of ijārah and IMBT.
伊斯兰银行的发展是相对重大的修改，目前的产品变体的需求导致在伊斯兰银行筹集资金和融资。ijārah和ijārah muntahiyah bi al- tamlk (IMBT)的概念都是伊斯兰银行金融产品和服务的一个例子。通过不加思考，本文旨在描述ijārah和IMBT对伊斯兰银行的概念，并在实践和遵守法律的层面解释了分析规范(古兰经，圣训和MUI Fatwa/DSN)和成文法(最高法院发布的伊斯兰经济法汇编)。本研究使用了一个领域的研究，即描述性分析研究，然后结合图书馆产生了ijārah和IMBT的全面描述。数据分析技术从识别问题、收集数据、解决问题开始，最终以解决方案的形式得出结论。从调查结果可以得出结论,实施ijā万岁和IMBT银行融资产品BRI Syariah Cabang日惹是通过银行购买客户所期望的是什么(如家庭和车辆),然后租他们的银行,最终合同/协议银行给他们选择,有租赁的方式购买商品BRI伊斯兰教教法(IMBT),或将它回BRI伊斯兰教教法(jiārah)。在实践中，基于伊斯兰教法委员会第09/DSNMUI/IV2003号国家法特瓦、汇编经济学和伊斯兰教法第11章ijārah和IMBT的操作基础。
{"title":"IMPLEMENTASI IJĀRAH DAN IMBT PADA BANK BRI SYARIAH CABANG YOGYAKARTA","authors":"Mila Sartika, Hendri Hermawan Adinugraha","doi":"10.21580/economica.2016.7.1.1034","DOIUrl":"https://doi.org/10.21580/economica.2016.7.1.1034","url":null,"abstract":"The development of Islamic banking is relatively significant modifications to the current demands of product variants resulted in raising funds and financing at Islamic banking. The concept of ijārah and ijārah muntahiyah bi al-tamlīk (IMBT) both are one example of financial products and services in Islamic banking. By the mindless, this paper aims to describe the concept of ijārah and IMBT on Islamic banking and explained at the level of practice and compliance with the law analyze normative (al-Qur’an, Hadith, and the MUI Fatwa/DSN) and positive law (the Compilation of Sharia Economic Law which issued by the Supreme Court). This research uses a field of research that is descriptive analytical study then combined with the library to produce a comprehensive description of the ijārah and IMBT. Data analysis techniques starting from the identification of problems, data collection, solve problems which eventually led to the solution in the form of a conclusion. From the findings it can be concluded that the implementation of ijārah and IMBT as financing products at Bank BRI Syariah Cabang Yogyakarta is done by the bank to buy what is desired by the customer (such as home and vehicle), then rent it to their bank, at the end of the contract/agreement the bank gives them the option, to have the leased goods bought by way of BRI Sharia (IMBT), or by handing it back to BRI sharia (ijārah). In practice, the operational foundation based on the Sharia Board of the National Fatwa No. 09/DSNMUI/IV2003 the Compilation Economics and Shariah Law Chapter XI of ijārah and IMBT.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"97-116"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68347141","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}
Pub Date : 2016-05-31DOI: 10.21580/ECONOMICA.2016.7.1.1035
Siti Mujibatun
Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)
{"title":"SOLUSI PROBLEM PENGHAPUSAN BUNGA DENGAN PENDEKATAN PRODUK BAI‘ BITSAMAN ĀJIL DALAM UPAYA MEWUJUDKAN LEMBAGA KEUANGAN LĀ-RIBA (Studi Kasus di BMT Damar dan BMT-KJKS IAIN Walisongo Semarang)","authors":"Siti Mujibatun","doi":"10.21580/ECONOMICA.2016.7.1.1035","DOIUrl":"https://doi.org/10.21580/ECONOMICA.2016.7.1.1035","url":null,"abstract":"Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"72 1","pages":"117-130"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68347463","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}
Pub Date : 2016-05-31DOI: 10.21580/ECONOMICA.2016.7.1.1033
Maltuf Fitri
The development of the performance syariah financing institutions in Indonesia keeps increased positive this can be seen of the total assets and third party funds (DPK) that increase over a period of years 2010-2014. During the period of the year the ratio DPK to the total assets of syariah financing institutions reached 78 percent.The indicated that the role DPK for these very strategic performance and the funding institution banking business. In this paper the tried to explain the role of third party funds in an institution syariah funding as an element the certaintly in the provison of financing and as an element that influences the performance business of syariah financing institutions. The importance of the role of DPK for syariah financing institutions hence need to know the factors that affect the development DPK. Approach analysis this paper is descriptive empirical who testing of theoretically and approach in empirical of studies related.
{"title":"PERAN DANA PIHAK KETIGA DALAM KINERJA LEMBAGA PEMBIAYAAN SYARIAH DAN FAKTOR-FAKTOR YANG MEMENGARUHINYA","authors":"Maltuf Fitri","doi":"10.21580/ECONOMICA.2016.7.1.1033","DOIUrl":"https://doi.org/10.21580/ECONOMICA.2016.7.1.1033","url":null,"abstract":"The development of the performance syariah financing institutions in Indonesia keeps increased positive this can be seen of the total assets and third party funds (DPK) that increase over a period of years 2010-2014. During the period of the year the ratio DPK to the total assets of syariah financing institutions reached 78 percent.The indicated that the role DPK for these very strategic performance and the funding institution banking business. In this paper the tried to explain the role of third party funds in an institution syariah funding as an element the certaintly in the provison of financing and as an element that influences the performance business of syariah financing institutions. The importance of the role of DPK for syariah financing institutions hence need to know the factors that affect the development DPK. Approach analysis this paper is descriptive empirical who testing of theoretically and approach in empirical of studies related.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"73-95"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68347002","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}
Pub Date : 2016-05-31DOI: 10.21580/economica.2016.7.1.1030
Abdul Ghofur
Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.
{"title":"KONSEP RIBA DALAM AL-QUR’AN","authors":"Abdul Ghofur","doi":"10.21580/economica.2016.7.1.1030","DOIUrl":"https://doi.org/10.21580/economica.2016.7.1.1030","url":null,"abstract":"Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"1-26"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68346800","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}
Pub Date : 2016-05-31DOI: 10.21580/economica.2016.7.1.1036
Setyo Budi Hartono, Jarot Dian Susatyono, Abdul Kholiq
This research aims to develop a scoring system awarding financial cooperation that existed at Syariah Banking using various contract in it. The development of this system will replace the performance of the analytical assess and decide on the granting of the contract to mudhārib. With this system will streamline the performance of the analysis in maximizing profits at BMT. Given the increased profitability for the results to be obtained by sahib al-mal will also increase. The methodology in this research is to analyze the process towards a needs assessment, process analysis and counting processes are the priorities of the system. This study resulted in a system that will be applied in analyzing the Mudharabah where deemed profitable or have a larger revenue share.
{"title":"PENGEMBANGAN SISTEM INFORMASI AKAD MUDHĀRABAH BANK SYARIAH BERBASIS DSS DENGAN MENGGUNAKAN METODE AHP","authors":"Setyo Budi Hartono, Jarot Dian Susatyono, Abdul Kholiq","doi":"10.21580/economica.2016.7.1.1036","DOIUrl":"https://doi.org/10.21580/economica.2016.7.1.1036","url":null,"abstract":"This research aims to develop a scoring system awarding financial cooperation that existed at Syariah Banking using various contract in it. The development of this system will replace the performance of the analytical assess and decide on the granting of the contract to mudhārib. With this system will streamline the performance of the analysis in maximizing profits at BMT. Given the increased profitability for the results to be obtained by sahib al-mal will also increase. The methodology in this research is to analyze the process towards a needs assessment, process analysis and counting processes are the priorities of the system. This study resulted in a system that will be applied in analyzing the Mudharabah where deemed profitable or have a larger revenue share.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"131-156"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68347198","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}
Pub Date : 2016-05-31DOI: 10.21580/ECONOMICA.2016.7.1.1032
Imam Yahya, Retnandi Meita Putri
The more advanced information technology, the more frequently for banking institutions including BRI Syariah to follow and to use it as a part of service system, that is called as electronic banking. The growth of technology will change banking transaction system radically that eventually will change banking culture. The transaction through electronic banking will ease the customers in doing transaction therefore they are able to opt various services related to their need. Tabungan Faedah BRISyariah delivers affordable and easy service by using electronic banking in which all the transactions are free of charge. It starts from cash withdrawal, money transfer to BRISyariah ATM network, BRI Bank, Prima and Bersama. However, since May 6 2015, there was a transaction charge change especially for transaction in Issuer ATM that is BRI ATM, Prima and Bersama. Since the regulation was applied, the number of transactions also changed. According to the data of BRISyariah Issuer ATM transaction from January to December 2015, the total transaction declined. This research is aimed to discover the influence of transaction charge change of ATM card in faedah banking account to the costumers’ proclivity in BRISyariah KC Semarang. The transaction charge change of ATM card having positive influence and significance towards the costumer’s proclivity. The transaction charge such as cash withdrawal, money transfer, and balance check which is very expensive makes the customer’s proclivity declined. It is proved by the value of t-count is 2.878 > t-table which is 2.024 by the degree od significance is 0.000 below 0.05.
{"title":"PENGARUH PERUBAHAN BIAYA TRANSAKSI KARTU ATM (ANJUNGAN TUNAI MANDIRI) PADA TABUNGAN FAEDAH TERHADAP MINAT BERTRANSAKSI NASABAH DI BRISYARIAH KC SEMARANG","authors":"Imam Yahya, Retnandi Meita Putri","doi":"10.21580/ECONOMICA.2016.7.1.1032","DOIUrl":"https://doi.org/10.21580/ECONOMICA.2016.7.1.1032","url":null,"abstract":"The more advanced information technology, the more frequently for banking institutions including BRI Syariah to follow and to use it as a part of service system, that is called as electronic banking. The growth of technology will change banking transaction system radically that eventually will change banking culture. The transaction through electronic banking will ease the customers in doing transaction therefore they are able to opt various services related to their need. Tabungan Faedah BRISyariah delivers affordable and easy service by using electronic banking in which all the transactions are free of charge. It starts from cash withdrawal, money transfer to BRISyariah ATM network, BRI Bank, Prima and Bersama. However, since May 6 2015, there was a transaction charge change especially for transaction in Issuer ATM that is BRI ATM, Prima and Bersama. Since the regulation was applied, the number of transactions also changed. According to the data of BRISyariah Issuer ATM transaction from January to December 2015, the total transaction declined. This research is aimed to discover the influence of transaction charge change of ATM card in faedah banking account to the costumers’ proclivity in BRISyariah KC Semarang. The transaction charge change of ATM card having positive influence and significance towards the costumer’s proclivity. The transaction charge such as cash withdrawal, money transfer, and balance check which is very expensive makes the customer’s proclivity declined. It is proved by the value of t-count is 2.878 > t-table which is 2.024 by the degree od significance is 0.000 below 0.05.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"7 1","pages":"51-72"},"PeriodicalIF":0.0,"publicationDate":"2016-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68346948","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}
Pub Date : 2016-05-19DOI: 10.21580/ECONOMICA.2012.2.2.852
Heny Yuningrum
The development of Islamic banking in Semarang city was rapidly since 1997 until 2012. It is thanks to the Government support in the terms of determine Islamic banking. The Support is now more easy for movement of Islamic financial institutions. the author chose the year 2010 of this research because 2010 have been reported complete leadership of the BMT. The issue of this research is how the operational of activities BMT in Semarang city has reached the level of operational efficiency in 2010 and how the forward prospects in Semarang city for competition of BMT with the another syariah financial.The population of this research are 72 BMt and the sampling of this research are 12 BMT. The population and the sample was listed by PUSKOPSYAH. The analyze of this research using WDEA which is expected to be answer the problems occurred in the BMT. The result of this Research are 3 BMT has efficiency of 55% until 90%. There are BMT Mitra Hasanah (61,51), BMT Pasadena (62,41%) and BMT Anda (71,18%). The capital and the operational expenses of three BMT must to increase until hit a target was expected. The average of That BMT only 30% from the target. And the BMt have low efficiency (less than 55%) i.e. BMT Hudatama (29,22%, BMT Fosilatama (33,28%), BMT Tumoto Bondo (47,81%). While a third of this BMT have low efficiency from variable input i.e. capital and operational expenses and savings. There are need to upgraded from 50% until 70%. The deficiency occurs in the BMT are the proportion of unbalanced input i.e. capital and operational expenses, the number of entries maintained does not match your target market. To achieve those targets each BMT must add capital, operating expenses and savings.To answering the problemof inefficient are: the value of output that should be improved by reducing the input, if the input and output was increased, so the level to the increase f of output must be greater than the rate of increase for input, or the both of output and input was decline because the derived output should be lower than input.
{"title":"Mengukur Kinerja Operasional Bmt pada Tahun 2010 Ditinjau dari Segi Efisiensi dengan Data Envelopment Analysis (Dea) (Studi Kasus Bmt di Kota Semarang)","authors":"Heny Yuningrum","doi":"10.21580/ECONOMICA.2012.2.2.852","DOIUrl":"https://doi.org/10.21580/ECONOMICA.2012.2.2.852","url":null,"abstract":"The development of Islamic banking in Semarang city was rapidly since 1997 until 2012. It is thanks to the Government support in the terms of determine Islamic banking. The Support is now more easy for movement of Islamic financial institutions. the author chose the year 2010 of this research because 2010 have been reported complete leadership of the BMT. The issue of this research is how the operational of activities BMT in Semarang city has reached the level of operational efficiency in 2010 and how the forward prospects in Semarang city for competition of BMT with the another syariah financial.The population of this research are 72 BMt and the sampling of this research are 12 BMT. The population and the sample was listed by PUSKOPSYAH. The analyze of this research using WDEA which is expected to be answer the problems occurred in the BMT. The result of this Research are 3 BMT has efficiency of 55% until 90%. There are BMT Mitra Hasanah (61,51), BMT Pasadena (62,41%) and BMT Anda (71,18%). The capital and the operational expenses of three BMT must to increase until hit a target was expected. The average of That BMT only 30% from the target. And the BMt have low efficiency (less than 55%) i.e. BMT Hudatama (29,22%, BMT Fosilatama (33,28%), BMT Tumoto Bondo (47,81%). While a third of this BMT have low efficiency from variable input i.e. capital and operational expenses and savings. There are need to upgraded from 50% until 70%. The deficiency occurs in the BMT are the proportion of unbalanced input i.e. capital and operational expenses, the number of entries maintained does not match your target market. To achieve those targets each BMT must add capital, operating expenses and savings.To answering the problemof inefficient are: the value of output that should be improved by reducing the input, if the input and output was increased, so the level to the increase f of output must be greater than the rate of increase for input, or the both of output and input was decline because the derived output should be lower than input.","PeriodicalId":55734,"journal":{"name":"Economica Jurnal Ekonomi Islam","volume":"2 1","pages":"111-128"},"PeriodicalIF":0.0,"publicationDate":"2016-05-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"68344772","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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