{"title":"Studi Kelayakan Bisnis Pendirian Bank Pembiayaan Rakyat Syariah (BPRS) di Kalimantan Timur","authors":"Dedy Mainata, Angrum Pratiwi","doi":"10.21927/jesi.2020.10(2).112-131","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).112-131","url":null,"abstract":"The economy of East Kalimantan as a whole is growing rapidly, however, this was not accompanied by the development of a Sharia Rural Bank (BPRS). This study aims to determine the feasibility of establishing a BPRS in East Kalimantan in terms of financial, marketing, social, economic, and cultural aspects as well as to find out which municipalities are feasible to establish BPRS. This type of descriptive qualitative research, the sample used in Balikpapan and Samarinda, the data collection techniques used observation and interviews. The results showed that the financial aspects of the BPRS were feasible to establish. NPV and IRR calculations show that the investment in the establishment of the BPRS is feasible. The market aspect looks at the potential of GRDP, population and purchasing power. The marketing aspect sees the potential growth of SMEs, business fields and the number of SMEs. Market segmentation and the target market for BPRS are SMEs engaged in trade and culinary. The economic aspect has an impact on regional income, the ease in providing cheap funds for SMEs, opens up community jobs. The social and cultural impact of the community being educated about banking. Balikpapan and Samarinda have great potential for the establishment of a BPRS. Samarinda is the most feasible to establish a BPRS.","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"58 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117340532","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":"Maqasid as-Syari’ah dan Asuransi Syari’ah","authors":"Ahmad Yunadi","doi":"10.21927/jesi.2020.10(2).159-172","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).159-172","url":null,"abstract":"The study of Islamic insurance and maqasid sharia in this research writing uses a philosophical approach known as analyzing insurance issues using the maqasid sharia approach. The analysis was carried out by descriptive analytical analysis. The author describes the main theme and then analyzes it from maqasid sharia point of view. Induction analysis patterns are carried out to analyze general data before they are identified and concluded in a general conclusion; namely the philosophy of insurance and maqasid sharia. On the other hand, deduction approach is used when the concept of maqasid sharia which is the conclusion of the nash argument is sought for its relevance to be applied in the insurance.Maqasid Shari'a in human life is seeking or getting maslahah (benefit). There are five aspects that must be protected which are known as al-kuliyyah al-khams; religion, soul, mind, descendants and property. On the field, the protection of maqasid sharia against al-kuliyyah al-khams can be done from two sides; the manifestation side (ijabiyah) and the prevention side (salbiyah). Insurance coverage in accordance with maqasid sharia is hifdzu din (protecting religion), hifdzu nafs (protecting life), hifdzu 'aql (protecting the mind), hifdzu nasl (protecting descendants) and hifdzu mal (protecting property).The results of this study indicate that Islamic insurance and maqasid sharia have the same goal in the stipulation of maqasid sharia or at least participate in realizing the benefits of human life.Keyword; insurance, maqasid, sharia.","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"22 4","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131435280","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 Kebijakan Struktur Modal Berdasarkan Pot dan Tot Persepektif Ekonomi Syariah","authors":"Iva Faizah, Gustika Nurmalia","doi":"10.21927/jesi.2020.10(2).103-111","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).103-111","url":null,"abstract":"This study aims to look at the capital structure of firms listed on the JII index (Jakarta Islamic Index), whether to the Packing Order Theory, where the Packing Order Theory or POT is the theory of the company's capital structure in which the order of the company's capital structure is derived from 1). Corporate Internal Funds, 2). Debt and 3). Issuance of Shares. Meanwhile, Trade of Theory or TOT is a balancing between debt benefits and the use of debt will give advantage to the company itself in the form of Tax Shield or reduction of corporate tax burden. The object of this research is 13 companies that entered into JII Index during period december 2013 –November 2018 with 39 data that prossed The data were processed by multiple linear regression with the dependent variable in the form of Leverage Ratio proxied by Debt to Equity Ratio (DER) and Independent variable of Profitability and Liquidity Ratio both proxied in sequence with Return on Assets (ROA) and Currency Ratio (CR), which then analyzed with perspective Islamic economics. The result of research shows that the structure of capital of indexed companies in Jakarta Islamic Index is more likely to use the pattern of capital structure policy based on Packing Order Theory, where the proportion of Debt to Equity Ratio or proportion of debt to capital is not more than 50% in half of the listed companies. ","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"79 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122488214","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 Kinerja Perbankan Syariah di Indonesia : Studi Masa Pandemi Covid-19","authors":"Allselia Riski Azhari, Rofiul Wahyudi","doi":"10.21927/jesi.2020.10(2).96-102","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).96-102","url":null,"abstract":"The Covid-19 pandemic has spread to various countries, including Indonesia. As a result, almost all sectors experienced contractions, including Islamic banking. However, Islamic banking is considered quite capable of surviving the storm of impact based on the previous crises' empirical facts. The purpose of this study is to analyze how the performance of Islamic banking during the Covid-19 pandemic. This research method uses a descriptive approach with a sample of 14 Islamic Commercial Banks in Indonesia. Secondary data in the form of financial report panel data is the source of data for the January - July 2020 period, obtained from the monthly reports of each Islamic bank. The results showed that Islamic banking performance based on debt financing fluctuated, while the performance based on equity financing experienced growth. The performance of third party funds has fluctuated.","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"24 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126048373","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":"Work Ethic And Strategic Development of Batik Pekalongan Indonesia on Islamic Business Perspective","authors":"Muhamad Masrur, Agus Arwani","doi":"10.21927/jesi.2020.10(2).67-83","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).67-83","url":null,"abstract":"This paper aims to find out how the work ethics of Pekalongan batik entrepreneurs and the business development strategies of Pekalongan batik entrepreneurs from perspective of Islamic business ethics. This study uses a qualitative approach by observations, interviews, and documentation to Muslim entrepreneurs. The results study note that batik entrepreneurs in Pekalongan conduct their business with a high work ethic spirit, nature maintains and develops business, they do business development strategies mostly by Islamic business ethics, both from marketing strategies such as products, prices, distribution of promotions, and sales systems that adapted times, treating employees, still less additional capital that is related to conventional banking, and still a lack of awareness not to dispose of batik waste in rivers. The findings of the study that the businessman batik Muslims in Pekalongan have the ethic of work are high and pass strategy development effort batik using principle business of Islam. ","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"100 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120966636","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":"Indeks Pariwisata Halal (Implementasi Fatwa DSN MUI Tentang Pedoman Penyelenggaraan Pariwisata berdasarkan Prinsip Syariah di Kota Bukittinggi)","authors":"M. G. Wibowo","doi":"10.21927/jesi.2020.10(2).84-95","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).84-95","url":null,"abstract":"The halal tourism industry is increasingly developing in Indonesia, which is marked by government support and also the response of tourism industry players. In order to provide a quality standard of service for Muslim tourists, a halal tourism index has been created globally and nationally. This study tries to measure the Halal Tourism Index (HTI) with a different basis and method than the existing ones. Referring to the Fatwa of DSN MUI concerning Guidelines for Implementation of Tourism Based on Sharia Principles, this study calculates the HTI in Bukittinggi City. The results showed that the HTI in Bukittinggi City has met the good criteria, even though it does not have halal tourism regulations yet. Aspects that are still lacking in terms of managing halal tourism in Bukittinggi City are halal product certification and collaboration with Islamic financial institutions.","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116281306","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 Profitabilitas dan Likuiditas Terhadap Pengungkapan Sustainability Report di Perusahaan Yang Terdaftar Pada Jakarta Islamic Index (JII)","authors":"Marsuking Marsuking","doi":"10.21927/jesi.2020.10(2).150-158","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(2).150-158","url":null,"abstract":"This study aims to examine the effect of profitability and liquidity on the disclosure of sustainability reports. The independent variables in this study are profitability and liquidity. While the dependent variable is the sustainability report disclosure. The population of this research is companies listed on the Jakarta Islamic Index (JII) in 2016-2018. The research sample was taken using purposive sampling method. Based on the purposive sampling method, the number of companies that have disclosed their sustainability reports is 42 companies. The analysis method used in this study is multiple regression analysis, classic assumption test, determination coefficient test, and hypothesis testing conducted with SPSS 20. The results of this study indicate that profitability and liquidity do not affect the disclosure of sustainability reports.","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"247 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128630355","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}
Devid Frastiawan Amir Sup, A. Fahmi, Faridl Noor Hilal, Muhammad Irkham Firdaus
{"title":"Dinamika Regulasi Sertifikasi Halal di Indonesia","authors":"Devid Frastiawan Amir Sup, A. Fahmi, Faridl Noor Hilal, Muhammad Irkham Firdaus","doi":"10.21927/jesi.2020.10(1).36-44","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(1).36-44","url":null,"abstract":"The need for halal products in Indonesia is increasing rapidly, considering that Indonesia is a country that has a large Muslim population. To oversee that each product is halal guaranteed, one of the efforts made by the government is through regulation. In Indonesia, this regulation apparently experienced several changes/renewals. This study aims to describe how the dynamics of halal regulation in Indonesia from time to time. The method used is qualitative-descriptive-literature. The result obtained, that there are changes and renewal of regulations relating to the guarantee of halal products in Indonesia are the right steps (in his time) taken by the government to maintain the existence of halal products circulating in Indonesia to be in accordance with the concept of halal in Islam.","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"119 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114654623","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":"Analisa Model Bisnis Bank Umum Syariah di Indonesia","authors":"Angga Darmawan","doi":"10.21927/jesi.2020.10(1).11-22","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(1).11-22","url":null,"abstract":"This research purpose is to find an alternative business model that can be implemented by Islamic bank in Indonesia, hence the Islamic bank can optimally growth. This research conducts several stages of research. Indepth interviews were conducted to get an idea of the need for a new Islamic Bank business model. The results of the interview are used as the basis for designing the business model of the Islamic Bank using the Analytic Network Process (ANP) method framework and the questionnaire model to obtain the required data. Based on the interview results, there are 4 (four) alternative islamic banking business models, namely Islamic Commercial Bank, Islamic Commercial Bank with Backed Asset, Integration of Islamic Commercial Bank and Islamic Social Bank, and Waqf Bank. The results of this study indicate that the Wakaf Bank Business Model (25.42%) is the main priority of the respondents in the islamic commercial bank business model. ","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125245474","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 Maqashid Al-Syariah Dalam Sistem Ekonomi Islam dan Pancasila","authors":"Ubbadul Adzkiya","doi":"10.21927/jesi.2020.10(1).23-35","DOIUrl":"https://doi.org/10.21927/jesi.2020.10(1).23-35","url":null,"abstract":"The development of the Islamic economy in Indonesia has made the significant progress. Islamic economics has the spirit to integrate between the economy with religious theology. Indonesia has claimed itself as a country based on Pancasila and Constitution of 1945. Among Muslim economists, there are various opinions on the relationship between the state and religion that related to the position of the Islamic economy in a framework of the Indonesian State.This paper aims to strengthen the Islamic economic system in Indonesia, to strengthen Pancasila is according to maqashid al-sharia in economic terms, and a relevant alternative relationship between Islamic economy and Pancasila. The results of this study are The Islamic economy system in Indonesia is done in line with Pancasila as the basis of the State. This is based on the idea that Pancasila has included the interests of Muslims that are relevant with the objectives of sharia (maqashid al-syariah).","PeriodicalId":284504,"journal":{"name":"JESI (Jurnal Ekonomi Syariah Indonesia)","volume":"31 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-08-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128281824","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}