{"title":"Analisis Akad Pembiayaan Qardh dalam Lembaga Keuangan Mikro Syariah Daerah Istimewa Yogyakarta","authors":"M. A. Shiddiqy","doi":"10.30739/ISTIQRO.V5I1.338","DOIUrl":"https://doi.org/10.30739/ISTIQRO.V5I1.338","url":null,"abstract":"This study aims to find out how the implementation of the qardh contract in the Almuna Sharia Microfinance Institutions Blessing Mandiri Special Region of Yogyakarta. This study uses an empirical juridical method. Empirical juridical research is used to analyze various regulations regarding qardh financing contracts in Islamic Microfinance Institutions (LKMS) and to analyze applicable laws of community behavior in their lives. The type of data and materials of this study come from primary data and secondary data. Primary data comes from the results of interviews and secondary data derived from literature. The collection technique in this study was conducted by interviewing respondents to get the right and reliable information. The analysis technique used in this research is descriptive method with a qualitative approach.This study found findings, namely financing products carried out at LKMS Almuna Mandiri Blessings, among others, namely Qardh (borrowing virtue). The qardh contract implemented at LKMS Almuna Berkah Mandiri is in accordance with sharia principles. This qardh agreement is intended for LKMS Almuna Berkah Mandiri customers who have small businesses but are not economically capable and want to expand their business. The LKMS Almuna Berkah Mandiri program fund comes from LAZNAS BSM Umat. The amount of qardh financing granted by LKMS Almuna Berkah Mandiri is Rp. 1,000,000.00 (one million rupiah) with a period of 50 (fifty) weeks or equivalent to 1 (one) year over 2 (two) weeks. The qardh installment payment is made after 1 (one) week after the disbursement of funds.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-01-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43407627","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":"HALAL LIFESTYLE DI INDONESIA","authors":"Ahmad Nizar Yogatama","doi":"10.21274/an.2019.5.2.Layout","DOIUrl":"https://doi.org/10.21274/an.2019.5.2.Layout","url":null,"abstract":"The purpose of this study is to describe the phenomenon of halal lifestyles in Indonesia, and to add insight of the Indonesian society about halal lifestyles in order to make it easier for them to choose Islamic lifestyle through halal lifestyle. This research method uses a literature research approach that is sourced from authoritative news and current journals which has high credibility to explain the phenomenon of halal lifestyle in Indonesia accurately. Based on the literature research that has been done it can be concluded that the increase of population and purchasing power of Muslims in the world can strengthen the halal lifestyles trend. The halal lifestyle is seen as a new lifestyle for the Muslim population in the world, especially the Muslim population in Indonesia. Even the concept of halal has been accepted by Muslims and non-Muslims, and gradually begins to become a lifestyle. Because the halal concept was universal which contained elements of benefit for all humans, halal was not only cover the needs of sharia, but is also a sustainability concept through all human activities seen from its lifestyle. The implications of the phenomenon of halal practices in Indonesia today were not only focused on the food sector, but has been spread to other sectors. Like halal tourism in Nusa Tenggara Barat and D.I. Aceh, halal cosmetics are pioneered by Wardah, a Sharia Hospital spearheaded by RSI. Sultan Agung Semarang, halal medicines initiated by herbal companies, halal modes promoted by Muslim hijabers and fashion designers, financial institutions pioneered by Bank Muamalat Indonesia, and so on. The halal lifestyles trend in Indonesia can also be seen from many animos of the media that preach about “halal lifestyles” such as halallifestyle.com, republika.co.id, ekonom.kompas.com, marketeers.com, mysalaam.com, and many seminar events that raised “halal lifestyle” theme.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41857498","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":"KECERDASAN SPIRITUAL DALAM PRESTASI KERJA KARYAWAN","authors":"Ahmad Nizar Yogatama","doi":"10.21274/an.2019.6.1.128-146","DOIUrl":"https://doi.org/10.21274/an.2019.6.1.128-146","url":null,"abstract":"This study aims to determine the effect of work environment, spiritual intelligence and workload on employee performance at University of Muhammadiyah Malang alumni class of 2007 faculty of economics and business management majors. The results showed that the work performance of employees by University of Muhammadiyah Malang alumni in the year 2007 of the Economics and Business faculties majoring in management was influenced by the spiritual intelligence of each individual, while the work environment and workload had no effect. This is due to high spiritual intelligence that will make individuals have more meaning in addressing work and things that will be received by employees in the future. This study uses multiple linear regression analysis using primary data collected through social media whatsapp. ","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-12-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43783812","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 Manajemen Risiko (Kajian Kritis Terhadab Perbankan Syariah di Era Kontemporer)","authors":"A. Mukhlishin, Aan Suhendri","doi":"10.21274/an.2018.5.1.257-275","DOIUrl":"https://doi.org/10.21274/an.2018.5.1.257-275","url":null,"abstract":"Risk management is an important effort that must be done by every company including Islamic banking, in an effort to minimize losses due to risks that occur. The effort that should be done by Islamic banks in channeling the financing is risk management. Risk management is an effort made by people or institutions in anticipating problems that could arise in a job or business. Risk management in sharia banks has been regulated by Indonesian banks in order to maintain the existence and improve the quality of sharia banks. SWOT strategy that can be done is to strengthen the internal regulation of banks, recruit competent employees, maximum revitalization and tight, build a reliable risk management system, prioritize financing in the sector of SME / SME, do emotional service, improve the ability of FRM, the implementation of office channeling, strengthen the agreement clause.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42395086","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 etika kerja islam terhadap kepuasan kerja dan komitmen organisasional (studi kasus cv kencana jaya teknik bogor)","authors":"Anisa Rizki","doi":"10.21274/an.2018.5.1.297-316","DOIUrl":"https://doi.org/10.21274/an.2018.5.1.297-316","url":null,"abstract":"This research explains the influence of Islamic work ethic toward satisfied occupation and organization commitment in CV Kencana Jaya Teknik Bogor. This research use quantitative method which take all of populations as a sample. Technique sample of this research use saturated sample which involve all Muslim employees as many 15 persons. Data collection technique use questionnaire has given as many 15 respondent persons. Data analysis technique in this research is simple regression analysis by t-test (partial) aid by SPSS application 16.0 version. Based on the result of the trial has done, that Islamic work ethic variable give positive influence significantly toward satisfied occupation and organizational commitment because the t- count higher than t- table, that is t- count for satisfied occupation has 4,113 2,160 (t table) it means Islamic work ethic variable is significant partially with Islamic work ethic toward satisfied occupation and organizational commitment. Validity of that consideration supported by sig column in Islamic work ethic variable toward satisfied occupation has score 0,001 < 0,05 and Islamic work ethic toward organizational commitment has score 0,006 < 0,05. It shows that Islamic work ethic partially give influence for satisfied occupation and organizational commitment as significant.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48547125","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 PRINSIP EKONOMI ISLAM OLEH PEDAGANG DALAM MELAKUKAN PENIMBANGAN SEMBAKO DI PASAR SOPPENG","authors":"B. Rusydi, Muhammad Ihsan, Wahidah Abdullah","doi":"10.21274/an.2018.5.1.399-414","DOIUrl":"https://doi.org/10.21274/an.2018.5.1.399-414","url":null,"abstract":"Penelitian ini bertujuan untuk mengetahui pelaksanaan penimbangan sembako yang dilakukan oleh pedagang sesuai dengan perspektif Ekonomi Sslam di Pasar Soppeng Kabupaten Soppeng. Metode analisis data yang digunakan dalam penelitian yaitu analisis kualitatif dengan pendekatan normatif dan sosiologis. Data penelitian diperoleh dari data primer dan data sekunder dengan teknik pengumpulan data berupa observasi, dokumentasi, wawancara. Hasil penelitian ini menunjukkan bahwa masih banyaknya pedagang sembako di pasar Soppeng yang belum memahami bahkan mengaplikasikannya sesuai dengan ajaran Islam. Hal ini juga terkait karena kurangnya perhatian pemerintah atau lembaga keagamaan yang menyinggung atau mengangkat etika bisnis Islam menjadi sebuah sistem yang akan berdampak positif pada usaha yang mereka jalankan.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46708228","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 SHARIA MARKETING MIX TERHADAP KEPERCAYAAN PELANGGAN DAN KEPUTUSAN PEMBELIAN PADA ONLINE SHOP TIWS.ID","authors":"Isti Anah","doi":"10.21274/AN.2018.5.1.276-296","DOIUrl":"https://doi.org/10.21274/AN.2018.5.1.276-296","url":null,"abstract":"Abstract . Online shop development or online shop through social media has already existed in Indonesia, moreever it is being really potential things and give is easier to seller and buyer even online shop is being more popular than before and it causes the competition highly (begin), but beside that, the facility has been making the shop site badly or it has been making deception site by anyone who didn’t responsibly. Therefore, the facility has to influence on directness of online shop and trusting costumer then purchase decision. So, it needs inapplying the strateghy for making /getting customer’s trusting and the costumer decide to do purchas. One of its is sharia marketing mix 9P (product, price, place, promotion, peolpe, physical evidance, process, promise, and patience). Based on reason, the research is to investigate the effect of sharia marketing mix to customer’s trusting and purchase decision on online shop Tiws.id. quantitative method is used in conducting the research. To collect the data, questionaire, technique are used to conduct the research meanwhile, analysis regresi linier with SPSS 16’s program are used in analyzig the data. The data analysis showed that the strateghy sharia marketing mix to Tiws.id online shop has an alternative hypotesis to customer’s trusting and purchase decision. It means that,in applying sharia marketing mix better,it make customer trusting ang purchase decision to Tiws.id online shop as good as possible. Keywords : Sharia Marketing Mix, Customer Trusting, Purchase Decision and Online Shop","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41596500","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 Pencapaian Kesejahteraan Masyarakat Melalui Pengelolaan Pajak: Relevansi konsep al Kharaj Abu Yusuf di Indonesia","authors":"S. Syamsuri, Ika Prastyaningsih","doi":"10.21274/an.2018.5.1.236-256","DOIUrl":"https://doi.org/10.21274/an.2018.5.1.236-256","url":null,"abstract":"Secara umum sistem perekonomian Islam terbagi menjadi tiga sector yaitu publik, swasta dan keadilan sosial. Pada sektor publik atau biasa disebut fiscal sendiri sumber penerimaannya dibagi lagi menjadi tiga; dari kaum muslimin, non-muslim dan sumber umum. Walau bagaimana pun ada satu instrument pendapatan Negara yang memungkinkan diterapkan di Negara Indonesia pada masa kejayaan Islam yaitu pemungutan pajak tanah (kharaj) kepada seluruh penduduk muslim maupun non-muslim. Abu Yusuf seorang tokoh pemikir ekonom muslim pada masa keemasan khalifah Harun al Rasyid, dengan terbitnya kitab fenomenalnya al Kharaj sebagai buku petunjuk administrasi dalam mengelola baitul mal yang baik dan benar untuk mencapai kesejahteraan umat. Perlu kiranya dikaji ulang melihat sejauhmana relevansinya konsep tersebut saat ini. Akhirnya artikel ini memberikan tawaran dengan lima konsep al-kharaj Abu Yusuf yang memungkin diterapkan di negara Indonesia yaitu tarif pajak muqosamah, sistem self assesment, pemungutan pajak berdasarkan kesuburan tanah, usyur sebagai bea cukai, intensifikasi pengelolaan pajak dan intensifikasi pengawasan pajak.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45035734","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}
Ujang Syahrul Mubarrok, Endah Kurniawati, Taufik Akbar
{"title":"ANALISIS QSPM UNTUK MENENTUKAN STRATEGI PENGEMBANGAN EKONOMI SYARIAH KOTA KEDIRI","authors":"Ujang Syahrul Mubarrok, Endah Kurniawati, Taufik Akbar","doi":"10.21274/AN.2018.5.1.376-398","DOIUrl":"https://doi.org/10.21274/AN.2018.5.1.376-398","url":null,"abstract":"Perkembangan ekonomi Islam di Indonesia mengalami kemajuan yang positif. Hal ini juga terjadi di Kota Kediri yang ditandai dengan berdirinya kantor cabang bank syariah, asuransi syariah dan institusi pendidikan yang membuka jurusan ekonomi Islam. Namun demikian, perkembangan ekonomi Islam di Kota Kediri seperti jalan di tempat. Oleh karena itu, dibutuhkan strategi pengembangan sistem ekonomi Islam di Kota Kediri. Berdasarkan latar belakang masalah di atas, penelitian ini difokuskan pada pencarian strategi pengembangan ekonomi Islam di Kota Kediri. Teknik pengumpulan data pada penelitian ini menggunakan observasi, interview, dokumentasi, dan studi pustaka. Sumber data tidak ditentukan jumlahnya melainkan berdasarkan snowbal sampling. Pemilihan sumber data atau subjek-subjek penelitian akan berlangsung secara bergulir sesuai kebutuhan hingga mencapai kejenuhan. Analisis data dalam penelitian ini menggunakan analisis SWOT (Strength, Weakness, Opportunities, Threaths) untuk menentukan stratetegi-strategi pengembangan sistem ekonomi dan bisnis Islam di Kota Kediri berdasarkan kekuatan, kelemahan, peluang dan ancaman yang ada di Kota Kediri. Penentuan strategi terbaik dilakukan dengan analisis quantitative strategic planning matrix (QSPM). Strategi yang dihasilkan dari pnelitian ini adalah memperkuat peran stakeholder ekonomi syariah Kota Kediri, sosialisasi dan edukasi, regulasi dan kebijakan Pemkot Kediri dan pengembangan produk ekonomi syariah.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47912714","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":"PERKEMBANGAN DAN TANTANGAN BANK SYARIAH DI TIMUR TENGAH","authors":"Rahmatullah Oky Raharjo","doi":"10.21274/AN.2018.5.1.216-235","DOIUrl":"https://doi.org/10.21274/AN.2018.5.1.216-235","url":null,"abstract":"Perkebangan Ekonomi Syariah sekarang menunjukkan perkembangan yang cukup menggembirakan. Meskipun masih belum ada bentuk final ekonomi syariah itu sendiri yang disepakati oleh para ulama. Kunci utama pada ekonomi syariah tentu saja adalah Bank Syariah. Dimana Bank sebagai lembaga intrmediary keuagan di dunia juga sudah menunjukkan keunggulan. Kekuatan Bisnis non ribawi yang menjadi Backbond Bank Syraih telah diakui sebagai sumber yang kokoh dalam menghadapi berbagai persoalan moneter secara mikro atupun makro. Di berbagai belahan dunia, Bank syariah semakin diakui eksistensinya dalam masyarakat perkenomian.Tuliasn ini akan membahas mengenai bagaimana potensi ekonomi timur tengah, peran perbankan Syariah dalam ekonomi di dalamnya. Bagaimanpun juga peran perbankan tidak bisa dilepaskan dari sistem ekonomi yang dianut di dunia, utamanya di timur tengah saat ini. Perkembangan ekonomi timur tengah yang melaju pesat juga telah memancing perbankan Internasioanl untuk ikut serta mengembanglkan idnsutri perbankan di timur tengah.Beberapa studi kasus pada beberapa negara timur tengah. Dan bagaimana tantangan yang dihadapi dunia perbankan di timur tengah.Dari mulai perbedaan pandangan ulama tentang sistem perbankan, sampai kepada layanan kemudahan transaksi yang ternyata sangat disukai dan diminati masyarakat, bahkan sampai asuransi sekalipun diminati dan di bundling dengan produk perbankan, dan ternyata 70% diantara nasabah bank tersebut akhirnya bertransaksi asuransi. Diharapkan tulisan ini bisa memberikan gambaran kepda kita sekalian tentang bagaimana ekonomi Syariah berkembanng di negeri asal agama Islam ini.Lalu bagaimana ekonomi negara timur tengah dibangun dengan sistem perbankan syariah yang kokoh dan solid.","PeriodicalId":32706,"journal":{"name":"AnNisbah Jurnal Ekonomi Syariah","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2018-10-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43152510","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}