AL-FALAH : Journal of Islamic Economics
Articles
20
Articles
Psikografis dan Religiusitas dalam Bertransaksi Pada BNI Syariah Makassar

Amiruddin, Muhammad Fauzi, Abdullah, Muhammad Wahyuddin

AL-FALAH : Journal of Islamic Economics Vol 3, No 1 (2018)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

This study aims to determine the influence of psychographic factors that include activity, interest and opinion, as well as the religiosity factor to the decision to transact at the BNI Syariah Makassar. This type of research is quantitative research with correlational approach. The data used are primary data through direct questionnaire distribution, using non probability sampling and accidental sampling technique, totaling 56 samples. The respondents of this research are customers who use BNI Syariah products, then the analysis technique used is multiple regression. The result of this study indicates that the variables of activity, interest, opinion, and religiosity simultaneously affect the decision to transact at BNI Syariah Makassar. Partially, this research indicates that the variable of activity, opinion, and religiosity have an effect on the transaction decision, while the interest variable has no effect to the transaction decision at BNI Syariah Makassar. The implication of this research is that transaction activity in syariah bank has become activity which often done by society because the products owned by BNI Syariah Makassar bank have been able to support the society activity. The Society opinion on BNI Syariah bank is also positive, and the existence of BNI Syariah bank has become a solution for people who have high level of religiosity. To evaluate the issue of the society interest, BNI Syariah Makassar Bank should maximize the Information and Promotion media to attract the public interest.

Fenomenologi-Ekonomi Islam: Lit Review atas Epistemologi Ekonomi Islam Masudul Alam Choudhury

Shalihin, Nurus

AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

Islamic economics is difference with the positivism economics and others. It is a established-concessus among Muslim-economists. Albeit some scholars are still sceptical toward Islamic economics as a complete-science. To respond this assumption, various Islamic scholars who are concern in formulating the epistemology of Islamic Economics. Turast written by classical muslim scholars studied intensively. And also Masudul Alam Choudhury who have intensively research the epistemology of Islamic economics with uniqueness form of epistemology—named by the phenomenology of Islamic economics. This paper examine radically the essensy of Masudul Alam Choudhury. It is to identify the construction of Islamic economics metodology offered by Choudhury. Keywords : Phenomenology, Unity of Knowledge, Islamic Economics, Phenomenology methodology and logical formalism.

Konsep Screening Saham Syariah di Indonesia

Fielnanda, Refky

AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

Tulisan ini membuktikan kelemahan pemikiran Alhabshi, Khatkhatay dan Nisar, dan Donia dan Marzban, yang menyatakan bahwa pada kondisi sekarang ini saham dalam proses screening sepenuhnya murni syariah dan terbebas dari spekulasi sangat langkah dan hampir mustahil bisa diterapkan. Argumen mereka bahwa sebagian besar negara memiliki lembaga keuangan konvensional. Disamping itu, screening untuk saham syariah menghambat investor untuk berinvestasi. Dalam konteks fuqaha>’, ada sebagian yang mengharamkan praktik jual beli saham. Sebagaimana diungkapkan oleh Taqi> al-Di>n al-Nabha>ni> dan Yusuf al-Sabatin mengungkapkan bahwa transaksi saham dianggap batal secara hukum, karena dalam masalah transaksi saham tidak tepat menggunakan analisis mas}lah}ah mursalah. Sumber data yang digunakan dalam tulisan ini adalah Fatwa DSN-MUI No: 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal, Peraturan Bapepam-LK Nomor: KEP-181/BL/2009 ditindaklanjuti dengan Peraturan Nomor: KEP-208/BL/2012. Sementara cara membacanya, semua data yang diperoleh disusun secara sistematis dengan menggunakan pendekatan yuridis (Shar‘i), sosiologis, dan ekonomi. Kemudian data tersebut dianalisis dengan menggunakan analisis isi (content analysis).Temuan tulisan ini memperkuat pemikiran Gholamreza Zandi, Seif El-Din I Taj, Zamir Iqbal, dan Sami al-Suwailem, menurut mereka bahwa di setiap negara pasar modal sangat penting sebagai salah satu penggerak perekonomian suatu negara. Oleh karena itu, sistem pasar ekuitas harus diawasi dengan baik, dengan melakukan screening terhadap emiten yang melanggar dari aturan hukum Islam. Dalam konteks para fuqaha>’, temuan tulisan ini juga memperkuat pemikiran S{a>lih} ibn Muh}ammad ibn Sulayma>n al-S{ult}a>n dan Ah}mad ibn Muh}ammad al-Khali>l sepakat bahwa saham dalam Islam adalah bagian dari investasi. Oleh karena itu, untuk menghindar pelanggaran dari prinsip syariah, maka dilakukan screening terhadap saham syariah.

Preferensi Strategi Pemasaran Bank Syari’ah Menanggapi Perilaku Konsumsi Masyarakat Saat Musim Panen

Anjaswara, Rendra, Hardivizon, H

AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

Consumption behavior that shown by the community during the harvest season has not aroused awareness of sharia banks to implement special marketing strategies in response to the phenomenon. This research is a field research with qualitative approach. The location of this research is in DusunSawah,North Curup District, RejangLebongRegency with the consideration of the number of people who work as farmers and the extent of agricultural land and plantations. The results showed that the consumption behavior of farmers in DusunSawah is consumptive during the harvest season. Consumptive behavior is influenced by three dominant factors, namely cultural factors, social factors, and personal factors. Therefore, the preference of marketing strategies that can be applied by sharia banks in response to consumptive behavior of farmer society ofDusun Sawah in harvest season is concentrated marketing strategy with the concept of event marketing and coffee break marketing.

Formulasi Hybrid Contract Sebagai Alternatif Pembiayaan Pertanian Di Bank Syariah

Pratiwi, Rahmi, Noprizal, Noprizal

AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

This research uses interpretive approach. This approach is chosen to understand a symptom both oral and written, and aims to know a symptom of the symptoms themselves are studied in depth using the instrument interview or interview with informants. This research was conducted to understand how the portrait of agricultural financing in both Islamic banks namely Bank Muamalat and BPRS SAFIR Curup branch. The results showed that the existing agricultural financing in both sharia banks using murabaha schemes used to finance the goods or tools that support the agricultural business. According to the authors, murabahah contract is not appropriately applied to the agricultural sector because it has not been able to answer the needs of farmers. A more precise contract is profit-sharing such as muzaraah or mukhabarah. Therefore, the authors recommend the formulation of contracts on the agriculture sector based on hybrid contracts namely bai al-wafa wal muzaraah and bai al-wafa wal mukhabarah.

Solusi Ekonomi Islam Terhadap Rekayasa Helah (Praktek Riba)

Batubara, Damri

AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

Islam places economic activity as one of the most important aspects of gaining glory, and therefore economic activity, like any other activity, needs to be controlled and guided in line with the objectives of Islamic Shariah. However, some people take advantage of the legitimate contracts of Islamic law to be able to do usury, or legitimize usury through the engineering of legitimate contracts, or make a legitimate contract as a shield of usury usage called helah (engineering practice usury. If the perpetrator intends to deliberately do helah to justify usury where the first and second sale is not the goal of both parties, but only serve as a tool to justify usury, then no doubt about the prohibition of their actions because a road to the haram is also illegal, because human actions are measured according to their intentions.

Pengaruh Kualitas Aset Terhadap Profitabilitas Pada Perbankan Syariah Di Indonesia

Silvia, Sineba Arli

AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

The healthy bank is very important because they manage public’s funds that entrusted to them by measuring the asset quality of the bank. Asset quality is a very important component, due to poor asset quality has proven to be the cause of failure of the bank, despite the obvious cause not only liquidity or stock. This research aimed to analyze the effect of asset quality toward the profitability of Islamic Banking in Indonesia. This research examines the effect of the variable of quality of productive assets (KAP) and Non-Performing Financing (NPF) toward the Return on Assets (ROA). The population of this research is the general Islamic Banks (BUS ) from 2010 to 2015. This research uses purposive sampling to determining the sample. The sample used in this research is the general Islamic banks that publish annual reports on the period 2010-2015. With certain criteria, there is 8 BUS sample. The data research is secondary data obtained from the website of each bank. While the method of data analysis uses multiple linear regression analysis. The results of this research showed that the variables of KAP and NPF had the effect toward ROA amounted 18.1 percent, with the significance level of 0.050. KAP variable partially had positive and significant impact toward ROA of Islamic Banking in Indonesia (0.034

Pengentasan Kemiskinan Melalui Pemberdayaan Ekonomi Umat Menurut Persfektif Islam

Istan, Muhammad

AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

Poverty as a social problem will never escape the attention and discussion of Islamic teachings. Islam explores some of the most urgent main themes of empowerment and community involvement in eradicating their poverty. The Quran as the main source of Islamic teachings echoed a moral call for social justice in the economy to be upheld against people living below the poverty line. Efforts to alleviate poverty, one of the main focuses in Islam is the doctrine of weak economic empowerment of the people. Islam considers human resources personally to be the main agent in empowering the peoples economy. Furthermore, Islam also sees that poverty alleviation is the collective responsibility of society so that the effort of economic empowerment of the poor becomes the collective obligation of all elements of society, especially poverty caused by social structure. It takes synergy between elements of society both government, ulama and society itself as subject and object of change. Some of the above empowerment models can be divided into two groups; Structural and cultural measures. Structural measures are more emphasized to the special institutions that handle them to run well, while cultural steps are emphasized on individuals, both individuals who are expected to be one of the subjects of poverty alleviation and empowerment of the poor and the poor and who became its object

Peran Negara Dalam Distribusi Kekayaan (Perspektif Ekonomi Islam)

Zakiyah, Kuni

AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

One of the most fundamental objectives of Islam is to bring happiness (Falah) for all Moslems both in the world and in the Hereafter and to realize the brotherhood among members of the Moslems community. This objective cannot be achieved if there are inequality and injustice in the distribution of wealth among society, the gap between the rich and the poor is still widening and there is class conflict/class struggle in society. In order to realize a fair distribution of wealth, fair and equitable, enforceable by means of the mechanisms of economic and non-economic mechanisms. Economic mechanism directed towards the productive sector, whereas non-economic mechanism, is not through productive economic activity, but through non-productive activities, for example, zakat, inheritance, and sodaqoh sunnah.

Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel

Al Arif, M Nur Rianto, Nurhikmah, Ika

AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

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Abstract

Financing is one of the performance’s indicator in Islamic banking industry. The aim of this research is to examine the factors that influence the financing in the Indonesian Islamic banking industry. The method that used in this research is panel regression with fixed effect model. The variabels that used in this research are capital ratio, profitability ratio, default rate, liquidity ratio, efficiency ratio, deposit fund, inflation, and profit sharing yield. The result shows that the capital ratio, profitability ratio, efficiency ratio, deposit funds, and profit sharing yield had an impact on financing in the Indonesian Islamic banking industry. This result implies that the Islamic banks should maintain the internal factors to increase the financing in the Islamic banking industry.