{"title":"Analisis Persepsi Pedagang Muslim Dalam Memilih Produk Lembaga Keuangan Syariah (Studi Kasus Pedagang Muslim Kawasan Makam Gusdur Tebuireng Jombang)","authors":"Andi Zamroni Azhar, Achmad Yasin, Athi’ Hidayati","doi":"10.33752/JIES.V2I2.357","DOIUrl":"https://doi.org/10.33752/JIES.V2I2.357","url":null,"abstract":"Lembaga Keuangan Syariah ialah lembaga beserta usaha pokok memberikan pembiayaan dan jasa dalam lalu lintas pembayaran dan peredaran uang dengan prinsip pokok syariah, untuk menolong umat muslim dari riba, namun masih banyak pedagang muslim yang belum menggunakan jasa lembaga keuangan syariah. Maksud reset ini yaitu untuk mengenal persepsi dan motivasi pedagang muslim dalam memilih produk-produk lembaga keuangan syariah. Pendekatan penelitian ini memakai kualitatif. pengumpulan data dengan wawancara. populasi penelitian ini adalah para pedagang yang ada di Jombang. Hasil Penelitian menunjukkan para pedagang bersepsi bahwa LKS khususnya pada BMT memiliki kontribusi yang sangat besar bagi pemberdayaan maupun pengembangan usaha kecil, tetapi pedagang berkeluh kesah tentang prosedur dalam peminjaman di LKS. \u0000Kata Kunci : Persepsi, Lembaga Keuangan Syariah","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129206718","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}
Faisal Bagus Aji Apriliawan M. Daim, A. Ridlwan, Peni Haryanti
{"title":"PERAN BANK WAKAF MIKRO DALAM MENINGKATKAN KESEJAHTERAAN MASYARAKAT (STUDI KASUS BWM TEBUIRENG MITRA SEJAHTERA)","authors":"Faisal Bagus Aji Apriliawan M. Daim, A. Ridlwan, Peni Haryanti","doi":"10.33752/JIES.V2I1.345","DOIUrl":"https://doi.org/10.33752/JIES.V2I1.345","url":null,"abstract":"Micro waqf banks are predicted to be a solution in improving the welfare of the poor and micro business actors around Islamic boarding schools, where this micro waqf bank is presented in accordance with Islamic values. The purpose of this study was to determine the management of the BWM Tebuireng Mitra Sejahtera fund and its role in improving the welfare of the pesantren environment. This research approach is to use a qualitative descriptive approach based on observations, interviews, or document review. This research also shows that BWM Tebuireng Mitra Sejahtera has a role in improving people's welfare. This has been proven through the ability of the community to implement Maqoshid Sharia in the form of religious protection (Hifdzu Ad-Din), protection of the soul (Hifdzu An-Nafs), protection of reason (Hifdzu Akl), protection of descendants (Hifdzu An-Nashl) protection of property (Hifdzu Maal).","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"340 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122545287","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}
{"title":"Peran Baitul Maal Wa Tamwil (BMT) Usaha Gabungan Terpadu (UGT) Sidogiri Dalam Pemberdayaan Pedagang Mikro","authors":"Elya Zuliana, A. Ridlwan, M. Dardiri","doi":"10.33752/JIES.V2I1.252","DOIUrl":"https://doi.org/10.33752/JIES.V2I1.252","url":null,"abstract":"Capital is one of the problems faced by micro traders. The presence of BMT is a solution for those who need capital assistance to develop a business, so it needs a direct role from BMT. This study aims to determine the financing mechanism in BMT UGT Sidogiri Cabang Jombang and to know the role of BMT UGT Sidogiri Cabang Jombang in empowering micro traders. The research method used is descriptive analysis method. Data collection techniques used are observation, interviews, and documentation. The results of this study indicate that 1) the financing mechanism in BMT UGT Sidogiri Cabang Jombang is very easy and fast by going through several stages, namely the applicant proposes financing by meeting the requirements, then analysis and survey will be carried out. After submission in acc, the next stage is he contract process and the disbursement process. 2) The role of BMT UGT Sidogiri Cabang Jombang in empowering micro traders is by providing capital assistance through financing. In addition to financing, BMT UGT Sidogiri Cabang Jombang also provides financing but has not been maximized, namely only as an initiative in the form of providing motivations to traders.","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"133 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133585466","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}
{"title":"Analisis Kelayakan Pembiayaan Mudharabah di BMT Bina Ummat Sejahtera Cabang Cukir","authors":"May Nor Azita, Ahmad Ajib Ridlwan, Athi Hidayati","doi":"10.33752/JIES.V2I1.255","DOIUrl":"https://doi.org/10.33752/JIES.V2I1.255","url":null,"abstract":"This research is motivated by the large number of prospective members applying for financing at the Cukir Branch of BMT BUS, one of which is mudharabah financing. Of course, of the many who proposed this financing, there are some obstacles, there are financing that is not easy, doubtful and stuck or said to be with financing problems. The purpose of this research is to identify the procedure for providing mudharabah financing as well as the feasibility of mudharabah financing along with the implementation of the 5C principle which is carried out at the Cukir Branch Branch Bus BMT. This research uses qualitative research using primary information taken using observations and interviews which are used to obtain information on mudharabah financing at the BMT Bus Cukir Branch and for secondary information research documentation: library research, Internet library books and overwriting the profile of BMT Bis. The research results show that in carrying out the mudharabah financing procedure at the BMT Bus Cukir Branch, it is very correct to carry out the 5C principle carefully to prospective members and likewise the feasibility of mudharabah financing to practice the 5C principle but for prospective members who have long and honestly met the needs of the BMT Bus Branch Cukir only analyzes using Capacity, Capital and Collateral.","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"15 7","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114018580","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}
{"title":"Analisis Faktor yang Mempengaruhi Keputusan Nasabah Melakukan Take Over Pembiayaan Pensiun","authors":"Ahmad Zubadar Oktorifal Diansyah son haji","doi":"10.33752/JIES.V2I1.316","DOIUrl":"https://doi.org/10.33752/JIES.V2I1.316","url":null,"abstract":"Nasabah memilih take over pembiayaan pensiun karena prinsip syariah namun di perkembangannya terjadi perdebatan atas teori tersebut pada sekelompok peneliti. Tujuan riset ini untuk mengetahui aspek syariah, tingkat margin, kualitas layanan dan faktor yang dominan dalam nasabah melakukan take over pembiayaan pension pada Bank Syariah Mandiri KCP Krian. Riset ini menggunakan proses kuantitatif menggambarkan data berupa angka. Pengumpulan data penelitian ini cara kuesioner. Populasi riset berjumlah 16 nasabah pembiayaan pension dan sampel 15 responden. Penyelidikan dalam riset ini dalah asumsi klasik dan analisis regresi berganda. Hasil menunjukan bahwa aspek syariah berpengaruh terhadap keputusan nasabah dengan nilai thitung (3,661)>ttable (2,35), tingkat margin tidak berpengaruh terhadap kepuasan nasabah dengan nilai thitung (-0,317)ttabel (2,35) dan variabel yang dominan dari ketiga variabel adalah aspek syariah dengan nilai (3,661) \u0000 \u0000 ","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127696975","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}
{"title":"Pengaruh CAR, FDR, NPF, BOPO dan BI Rate Terhadap Profitabilitas (Studi pada PT.Bank Syariah Bukopin)","authors":"Sumarmi Sumarmi, Imam Sopingi, Tri Sudarwanto","doi":"10.33752/JIES.V1I3.195","DOIUrl":"https://doi.org/10.33752/JIES.V1I3.195","url":null,"abstract":"This study aims to examine the effect of CAR, FDR, NPF, BOPO, and BI Rate variables on ROA in Bukopin Sharia Bank for the period of 2009-2018. The data used in this study were obtained from Bukopin Sharia Bank Quarterly Publication Financial Reports for the period 2009-2018 and BI. The number of samples used in this study were 40 data. The results showed that, CAR had a positive and significant effect on ROA, FDR had no effect on ROA, NPF had no effect on ROA, BOPO had a significant negative effect on ROA, and the BI Rate variable had no effect on ROA. The predictive ability of the five variables at ROA is 98.9%, and 1.1% is influenced by other factors outside the research model. The results of this study are expected to be able to become a guideline for the management of Bukopin Sharia Bank in managing the bank.","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121560277","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}
{"title":"Etika Bisnis Islam Menurut Imam Al-Haddad","authors":"Khoirul Muzaki Wahyudi","doi":"10.33752/JIES.V1I3.240","DOIUrl":"https://doi.org/10.33752/JIES.V1I3.240","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui pemikiran Imam Al-Haddad tentang etika bisnis Islam dan relevansinya terhadap perkembangan etika bisnis Islam. Pendekatan penelitian yang digunakan dalam penelitian adalah pendekatan ontologi dan aksiologi studi tokoh. Adapun jenis penelitian yang digunakan adalah jenis penelitian studi pustaka. Hasil yang didapatkan dalam penelitian ini adalah etika bisnis Islam menurut Imam Al-Haddad terbagi menjadi dua sifat, yaitu etika yang bersifat wajib dan etika yang bersifat sunah. Adapun relevansi pemikiran Imam Al-Haddad terhadap perkembangan etika bisnis Islam adalah menyadari pentingnya belajar ilmu hukum Allah, tata cara niat ala Imam Al-Haddad, dan pentingnya memperkuat dan memperbaiki keyakinan pebisnis dalam berbisnis.","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133846952","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}
{"title":"Implementasi Pengelolaan Dana Infaq Dalam Meningkatkan Kesejahteraan Masyarakat Jombang (Studi Kasus Lembaga Sosial Pesantren Tebuireng “LSPT”)","authors":"Rochmatul Chuswinta, M. Rosyadi","doi":"10.33752/JIES.V1I3.253","DOIUrl":"https://doi.org/10.33752/JIES.V1I3.253","url":null,"abstract":"Infaq is the giving of a portion of assets that can be issued to anyone for public purposes. This study aims to determine how the management of infaq funds at LSPT in the welfare of the peo[le of jombang. This research is a field research using a qualitative descriptive approach. The result showed that the implementation of infaq fund management at LSPT was very good, but the LSPT planning management was not optimal in the economic program. The implementation of infaq fund management at LSPT in the welfare of the people of Jombang has greatly benefited the people of Jombang, but service and funds channeled by LSPT, these funds are not only from a material perpective but also from a spiritual perpective through education and preache, as well as from a social perpective through health programs and social and humanitarian programs.","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"49 6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123317323","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}
{"title":"Implementasi Akad Murabahah dalam Pembiayaan Produktif pada KSPPS BMT NU Jombang","authors":"Muhammad Andika, Ach. Yasin, M. Rosyadi","doi":"10.33752/JIES.V1I3.239","DOIUrl":"https://doi.org/10.33752/JIES.V1I3.239","url":null,"abstract":"Akad murabahah sebagai pembiayaan mendominasi di lembaga keuangan syariah. Akan tetapi dalam praktiknya terdapat masalah salah satunya berkaitan dengan penerapan dan waktu pelaksanaan akad tersebut. Tujuan penelitian mengetahui Implementasi Akad Murabahah dalam Pembiayaan Produktif yang dilakukan oleh KSPPS BMT NU Jombang beserta penerapan prinsip-prinsip syariah yang ada didalamnya. Pendekatan penelitian menggunakan pendekatan deskriptif kualitatif yang bersifat naturalistik, pada kondisi yang alamiah pada objek yang apa adanya dan tidak dimanipulasi. Hasil menunjukan implementasi akad murabahah dalam pembiayaan produktif pada KSPPS BMT NU Jombang adalah menggunakan akad murabahah bil wakalah. Penerapan tersebut dilakukan melalui dua tahap yaitu tahap awal dan tahap akhir. Sedangkan dalam penerapan prinsip-prinsip syariah terdapat penerapan yang sesuai dan ada yang tidak sesuai dengan prinsip syariah dan secara garis besar dapat disimpulkan bahwa pelaksanaan akad murabahah bil wakalah yang dilakukan oleh KSPPS BMT NU Jombang belum sesuai dengan ketentuan peraturan Fatwa Dewan Syariah Nasional Nomor 04/DSN-MUI/IV/2000 tentang Murabahah.","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"38 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124451017","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}
{"title":"Upaya Meningkatkan Pendapatan Ekonomi Mustahik Melalui Program Sentra Ternak Mandiri (STM) di Lembaga Amil Zakat Ummul Quro (LAZ-UQ) JOMBANG","authors":"Mariana Ulfa","doi":"10.33752/JIES.V1I2.202","DOIUrl":"https://doi.org/10.33752/JIES.V1I2.202","url":null,"abstract":"The research purpose to know implementation program livestock center (STM) and the Mustahik economic revenue of the independent livestock program at the institution Amil Zakat Ummul Quro (LAZ-UQ) Jombang. The method used in this study is qualitative research method. The data collection techniques use interviews, observation and documentation. The data analysis techniques used is a data reduction, data presentation and data deduction. Research shows that the implementation of the independent livestock center program (STM) requires a few steps there are: location survey of implementation program, assessment of prospective members, companion selection, formation of livestock groups, submission of seeds and implementation program, mentoring process, counseling and training, monitoring and evaluation. Post implementation of an independent livestock center program (STM) has been proven to increase Mustahik economics income as well as improve the quality of life. From the sale of the sheep can be used to needing necessary daily, or for education costs. Besides these result can also improve the condition of the house, build a small shop, some even buy motorbikes","PeriodicalId":202644,"journal":{"name":"JIES : Journal of Islamic Economics Studies","volume":"10 5","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-09-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120807550","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}