Share Jurnal Ekonomi dan Keuangan Islam最新文献

{"title":"FINANCIAL INCLUSION AND DEEPENING IN NIGERIA: THE CONTRIBUTION OF JAIZ BANK","authors":"Y. B. Nmadu, Abubakar Mika’ilu","doi":"10.22373/SHARE.V7I2.2300","DOIUrl":"https://doi.org/10.22373/SHARE.V7I2.2300","url":null,"abstract":"The Central Bank of Nigeria in 2012, as a sign of her commitment to the 2011 Maya Declaration, developed a financial inclusion strategy for Nigeria. The aim of the strategy, amongst others, was to reduce the percentage of adult Nigerians excluded from financial services from 46.3 percent as at 2010 to 20.0 percent by 2020 with the view to enabling them to have access to financial services, engage in economic activities and contribute to the growth and development of the country. The number of Nigerians that are included in the formal sector shall then increase from 30.0 percent in 2010 to 80.0 percent by the year 2020. By this, Nigeria had committed herself to reducing the population of unbanked and under-banked adults by about 50.0 percent by the year 2020. Maya declaration recognises the criticality of inclusive financing to not only inclusive growth but also global financial stability, financial deepening and poverty reduction for about 2.5 billion unbanked adults across the globe. This study is a maiden attempt to explore the contribution of the recently established Islamic bank (Jaiz bank) in Nigeria towards the reduction of both the unbanked and under-banked adult population since its inception in 2012. The study used an exploratory approach and concludes that Jaiz bank is immensely helping the country in her quest to satisfy the Maya commitments. The study recommends, among others that special consideration is given to banks of such standings to aid rapid expansion of access to finance for Nigerians who ordinarily wouldn’t have easy access to banking facilities.=============================================================Inklusi Keuangan dan Pendalamannya di Nigeria: Kontribusi Bank Jaiz. Sebagai bagian dari komitmennya terhadap Deklarasi Maya 2011, Bank Sentral Nigeria pada tahun 2012 mengembangkan strategi inklusi keuangan untuk Nigeria. Tujuannya, antara lain, adalah untuk mengurangi persentase jumlah orang dewasa di Nigeria yang belum tersentuh jasa keuangan dari 46,3 persen pada 2010 menjadi 20,0 persen pada 2020 sehingga memungkinkan mereka memiliki akses ke layanan keuangan, berperan dalam kegiatan ekonomi dan berkontribusi pada pembangunan negara. Harapannya, jumlah orang Nigeria yang masuk dalam sektor formal akan terdongkrak dari 30,0 persen pada tahun 2010 menjadi 70,0 persen pada tahun 2020. Untuk itu, Nigeria telah berkomitmen untuk mengurangi jumlah orang yang unbanked dan under-banked sekitar 50,0 persen pada tahun 2020. Deklarasi Maya mengakui pentingnya pembiayaan inklusif yang ditujukan tidak hanya untuk pertumbuhan inklusif tetapi juga stabilitas keuangan global, pendalaman keuangan, dan pengurangan kemiskinan bagi sekitar 2,5 miliar orang yang unbankable di seluruh dunia. Penelitian ini adalah upaya perdananya untuk mengeksplorasi kontribusi bank non-bunga (Jaiz bank) yang baru didirikan di Nigeria terhadap pengurangan jumlah orang yang unbanked dan under-banked sejak didirikannya pada tahun 2012. Penelitian ini mengg","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":"14 19","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41332376","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":"THE ATTRIBUTES OF GOVERNMENT EFFECTIVENESS: AN ISLAMIC ECONOMIC THOUGHT","authors":"Lakhi Muhammad, G. Rana","doi":"10.22373/SHARE.V7I1.2299","DOIUrl":"https://doi.org/10.22373/SHARE.V7I1.2299","url":null,"abstract":"The index of government effectiveness captures perceptions of the quality of public services, the quality of the civil service and the degree of its independence from political pressures, the quality of policy formulation and implementation, and the credibility of the government's commitment to such policies. These perceptions are the main attributes of Government Effectiveness Index. The majority of the OIC member states remained negative on Government Effectiveness Index till 2014. What are the Islamic thoughts on these attributes of Government Effectiveness Index? How the government effectiveness can be improved according to the Islamic economic thoughts? These questions are dealt with in this exploratory paper. In the Muslim world, most of the countries are with low income and tax collection is less. This less collection creates a budget pressure to co-brand with government expenditures. The religion Islam not only confesses to the state to take of the poor but to the wealthy people also have a responsibility to take care of the poor. This Islamic thought will support the government to mark some strategies to motivate the wealthy for participating in poverty reduction programs.===============================================Atribut Efektivitas Pemerintah: Suatu Pemikiran Ekonomi Islam - Indeks efektivitas pemerintah menangkap persepsi kualitas layanan publik, kualitas layanan sipil dan tingkat independensinya dari tekanan politik, kualitas formulasi kebijakan dan implementasi, dan kredibilitas komitmen pemerintah terhadap kebijakan tersebut. Persepsi ini merupakan atribut utama dari Indeks Efektivitas Pemerintah. Mayoritas negara anggota OKI tetap negatif pada Indeks Efektivitas Pemerintah hingga 2014. Apa pemikiran Islam tentang atribut-atribut Indeks Efektivitas Pemerintahan ini? Bagaimana efektivitas pemerintah dapat ditingkatkan sesuai dengan pemikiran ekonomi Islam? Pertanyaan-pertanyaan ini dibahas dalam makalah eksplorasi ini. Dalam dunia Islam, rata-rata negara mempunyai pendapat dan pungutan pajak yang rendah. Hal ini mengakibatkan tekanan anggaran yang tidak bisa mengimbangi pengeluaran pemerintah. Agama Islam tidak hanya mewajibkan negara untuk mengurus orang, tetapi juga dibebankan kepada orang-orang kaya. Pemikiran seperti ini akan mendukung pemerintah untuk menciptakan strategi agar orang-orang kaya termotivasi untuk berpartisipasi dalam program pengentasan kemiskinan.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41579582","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":"BUILDING INTEGRATION AND INTERCONNECTION IN ISLAMIC ECONOMIC SYSTEM TO CREATE ISLAMIC SOLUTIONS IN SOLVING SOCIAL PROBLEMS","authors":"M. Bayumi, Rizal Alfit Jaya","doi":"10.22373/SHARE.V7I1.2293","DOIUrl":"https://doi.org/10.22373/SHARE.V7I1.2293","url":null,"abstract":"Social problems such as poverty, inequality, income distribution, lack of prosperity, social conflict, and others are problems that often appear in developing countries including Indonesia. As a pluralistic state, settlement of these problems cannot be resolved through a single approach, but through the use of various approaches of science, culture, and religion. There has been a lot of effort and solutions made by the government, organizations, and institutions concerned with solving problems that appear in Indonesia. However, there has been no significant impact on social problems. An appropriate approach that is perfect for creating Islamic solutions is to build integration and interconnection as an approach towards the Islamic economic system. In the approach of integration and interconnection, there are three principal characteristics. They are the semipermeable, intersubjective testability, and creative imagination. The third characteristic is some attempt to create an Islamic solution, applicable and revolutionary.===============================================Membangun Integrasi dan Interkoneksi Dalam Sistem Ekonomi Islam untuk Menciptakan Solusi Islam dalam Memecahkan Masalah Sosial - Masalah sosial seperti kemiskinan, ketidaksetaraan, distribusi pendapatan, kurangnya kemakmuran, konflik sosial, dan lain-lain adalah masalah yang sering muncul di negara berkembang termasuk Indonesia. Sebagai negara majemuk, penyelesaian masalah-masalah ini tidak dapat diselesaikan melalui pendekatan tunggal, tetapi melalui penggunaan berbagai pendekatan ilmu pengetahuan, budaya dan agama. Telah ada banyak upaya dan solusi yang dibuat oleh pemerintah, organisasi dan institusi yang peduli dengan penyelesaian masalah yang muncul di Indonesia. Namun, belum ada dampak yang signifikan terhadap masalah sosial. Pendekatan yang tepat yang sempurna untuk menciptakan solusi Islam adalah membangun integrasi dan interkoneksi sebagai pendekatan terhadap sistem ekonomi Islam. Dalam pendekatan integrasi dan interkoneksi, ada tiga karakteristik utama. Mereka adalah tesis yang mudah dipahami, intersubyektif, dan imajinasi kreatif. Karakteristik ketiga adalah beberapa upaya untuk menciptakan solusi Islami, aplikatif dan revolusioner.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41515867","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":"MEASURING THE OPTIMAL GOVERNMENT SIZE THAT CONTRIBUTE TO ECONOMIC GROWTH OF THE MUSLIM COUNTRIES","authors":"J. Duasa","doi":"10.22373/SHARE.V7I1.2298","DOIUrl":"https://doi.org/10.22373/SHARE.V7I1.2298","url":null,"abstract":"The issue of a correct ‘government size’ for economic prosperity of a nation, particularly Muslim nation, is highly linked with the issue of optimal ‘role of state’. The present study attempts to utilise more efficient econometric methods on a sample of Muslim countries over a specific period of time in order to investigate the relationship between government size and economic growth. It also attempts to identify optimal size of government (role of state) that maximise the economic growth of the countries by applying static and dynamic panel estimations on a widely used ‘growth model’ for assessing the impact of government size on economic growth. The findings indicate that a small size of government contributes more to the economic growth of the countries. The results seem to be more robust by using the fixed-effects model as compared to other static or even dynamic models===============================================Pengukuran Ukuran Pemerintah Optimal yang Berkontribusi terhadap Pertumbuhan Ekonomi di Negara-negara Muslim. Persoalan tentang ‘ukuran pemerintah’ yang tepat untuk kemakmuran ekonomi suatu negara, khususnya negara Muslim, berkaitan erat dengan persoalan optimalisasi 'peran negara'. Artikel ini bertujuan mengkaji hubungan antara ukuran pemerintah dengan pertumbuhan ekonomi dengan menggunakan metode ekonometrik yang lebih efisien dengan sampel negara-negara Muslim selama kurun waktu tertentu. Artikel ini juga bertujuan untuk mengidentifikasi ukuran optimal pemerintah (peran negara) yang dapat memaksimalkan pertumbuhan ekonomi negara-negara dengan menerapkan estimasi panel statis dan dinamis dengan menggunakan 'growth model' yang telah banyak digunakan dalam pengukuran dampak ukuran pemerintah terhadap pertumbuhan ekonomi. Hasil kajian menunjukkan bahwa ukuran pemerintah yang kecil dapat memberikan kontribusi lebih besar pada pertumbuhan ekonomi. Hasil kajian lebih meyakinkan dengan menggunakan fixed-effect model dibandingkan dengan model statis atau dinamis.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":"272 2","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41290361","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":"EXAMINING THE EXTERNAL DEBT CRISIS IN INDONESIA FROM ISLAMIC PERSPECTIVE","authors":"Khonsa Tsabita","doi":"10.22373/SHARE.V7I1.2297","DOIUrl":"https://doi.org/10.22373/SHARE.V7I1.2297","url":null,"abstract":"One of major economic problems particularly in developing countries is external debt crisis. Several developing countries including Indonesia have paid their external debt more than total fund they have received from developed countries. Moreover, the indebted country has to pay the interest every year which the amount keeps accruing. Debt is the main causes of poverty since most of them are “unjust” debt. Islam discourages Muslims to depend their lives on borrowing money, including at the state level. This research attempts to scrutinize the issue of external debt crisis and try to come out with a solution to the problem of the external debt crisis in Indonesia from Islamic perspective. This paper is using a qualitative analysis approach and collecting external debt data from the Central Bank of Indonesia and the World Bank. Findings indicate that the current system on managing external debt crisis in Indonesia has not been successful and need to be examined from different frameworks. Overall, this paper contributes to literatures on the debt crisis and provides some alternative solutions to government to manage the external debt crisis.===============================================Pengkajian Krisis Utang Luar Negeri Di Indonesia Dari Perspektif Islam - Salah satu persoalan ekonomi utama khususnya di negara berkembang adalah krisis utang luar negeri. Negara-negara berkembang termasuk Indonesia membayar utang luar negeri mereka kepada negara-negara maju melebihi total dana yang diterima. Selain itu, negara-negara tersebut juga harus membayar bunga setiap tahun yang jumlahnya terus meningkat. Utang merupakan penyebab utama kemiskinan disebakan sebagian besar dari utang bersifat \"tidak adil\". Islam melarang umat Islam untuk menggantungkan hidupnya pada pinjaman uang, termasuk pada level negara. Penelitian ini bertujuan untuk mengkaji masalah krisis utang luar negeri Indonesia dan mencoba menawarkan solusi dari perspektif Islam dalam mengatasi masalah tersebut. Artikel ini menggunakan pendekatan analisis kualitatif, dan mengumpulkan data utang luar negeri dari Bank Indonesia dan Bank Dunia. Hasil kajian menunjukkan bahwa sistem pengelolaan krisis utang luar negeri di Indonesia belum berjalan dengan dengan baik sehingga perlu dilakukan dengan kerangka kerja yang berbeda. Secara keseluruhan, artikel ini berkontribusi dalam memperkaya literatur tentang krisis utang dan juga menyediakan beberapa solusi alternatif kepada pemerintah untuk mengelola krisis utang luar negeri.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44107557","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":"KONTRIBUSI PEMBIAYAAN SEKTOR PERTANIAN BANK SYARIAH TERHADAP KESEJAHTERAAN PETANI DI PULAU SUMATERA PERIODE 2016-2017","authors":"P. Purwanto","doi":"10.22373/SHARE.V7I1.1646","DOIUrl":"https://doi.org/10.22373/SHARE.V7I1.1646","url":null,"abstract":"The operation of sharia banking system in Indonesia is to support the implementation of national development in order to improve justice, togetherness, and equity of welfare from people especially farmers in Sumatera. The financing of agriculture sector is conducted by sharia banking in Sumatera in the last two years (2016-2017) has always increased. The existence of financing disbursed in the agricultural sector can improve the welfare of farmers. Farmers' welfare in this study is projected by Farmer's Exchange Value or FEV which is the ratio between the price index that is received by farmers and the price index that is paid by farmers. Therefore the purpose of this study is to test whether there is a significant and positive influence between agricultural sector financing that is conducted by BUS and UUS on the island of Sumatera 2016-2017. Second, to test whether there is a significant and positive influence between agricultural sector financing that is conducted by BPRS on the island of Sumatera 2016-2017. The type of this study is explanatory that is conducted to prove the causal relationship and to test how the influence between one variable with others. The type of data that is used is secondary data in a monthly form. This paper use panel data regression analysis to answer the research questions. The result finds that financing of the agricultural sector that is conducted by BUS and UUS on the island of Sumatera in 2016-2017 has no significant effect on the welfare (value Prob 0,6563> 0.05). This paper also finds that the agricultural financing that is conducted by BPRS in Sumatera island 2016-2017 has a negative effect on the welfare of farmers in Sumatera (value Prob 0.0004 <0.05).===============================================Beroperasinya sistem perbankan syariah di Indonesia adalah untuk menunjang pelaksanaan pembangunan nasional dalam rangka meningkatkan keadilan, kebersamaan, dan pemerataan kesejahteraan rakyat tidak terkecuali para petani di Sumatera. Pembiayaan sektor pertanian yang dilakukan perbankan syariah di Sumatera dua tahun terakhir (2016-2017) selalu mengalami peningkatan. Adanya pembiayaan yang disalurkan pada sektor pertanian maka dapat meningkatkan kesejahteraan petani. Kesejahteran petani dalam studi ini diproxykan dengan Nilai Tukar Petani atau NTP yang merupakan rasio antara indeks hargayang diterima petani dengan indeks harga yang dibayar petani. Maka dari itu tujuan dari studi ini adalah pertama menguji apakah ada pengaruh signifikan dan positif antara pembiayaan sektor pertanian yang dilakukan oleh BUS dan UUS di pulau Sumatera tahun 2016-2017. Kedua untuk menguji apakah ada pengaruh signifikan dan positif antara pembiayaan sektor pertanian yang dilakukan oleh BPRS di pulau Sumatera tahun 2016-2017.Jenis studi ini adalah eksplanatori yaitu studi yang dilakukan untuk membuktikan hubungan sebab akibat dan untuk menguji bagaimana pengaruh antara variabel satu dengan variabel. Jenis data yang digunakan adalah data ","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45066619","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}