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El-Qist : Journal of Islamic Economic science and Business (JIEB)

Published by Universitas Islam Negeri Sunan Ampel

ISSN : 22527907     EISSN : 27160335     DOI : 10.15642/elqist.v10i1.267

Core Bailiwick : Economy, Science, Social,

el-Qist: Periodical of Islamic Economics and Concern (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan Apr dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian

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OTENTISITAS H{A{ADÎThursday MUTAWÂTIR DALAM TEORI COMMON LINK G.H.A. JUYNBOLL
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 1 (2014): eL-Qist:

Publisher :

Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Well-nigh all Muslims agree that an authenticprophetic tradition (h}adîth) is that which comes directly fromthe Prophet. A tradition such as this—similar the Qur’ân—isreliable in terms of its chain of narration and message.Hence, information technology brings legal and moral implication for the Muslimsto apply in their daily life. In the scientific discipline of prophetictradition, such tradition is chosen d}arûrî, literally meanscompulsory in the sense that information technology necessitates Muslims tocomply. Dissimilar sort of view however, is being introducedby an orientalist named G.H.A. Juynboll. He comes upwardly withan entirely different view concerning an authentic prophetictradition both in terms of its category and definition. Hereckons that there is no such thing every bit an authentic prophetictradition. Every prophetic tradition is vague, and fallstherefore under the category of existence inauthentic. This paperis interested in dealing critically with this controversial viewby giving particular attending to iv ma

إدارة الانفاق والزÙÆ'اة والوقف في البنÙÆ' الصغير الإسلامي بÙÆ'لية الشريعة جامعة إسلامية Ø­ÙÆ'ومية سونان أمبيل سورابايا المشفعة, نور ليلة
el-Qist : Periodical of Islamic Economics and Business (JIEB) Vol. four No. 1 (2014): eL-Qist:

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Plan Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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هذه المقالة ÙÆ'تبت عن عملية الإنفاق والزÙÆ'اة والوقف في البنÙÆ' الصغير الإسلامي. البنÙÆ' الصغير الإسلامي هو معمل لتعليم وعملية البنÙÆ' في ÙÆ'لية الشريعة جامعة إسلامية Ø­ÙÆ'ومية سونان أمبيل سورابايا. للبنÙÆ' أهداف ثلاثة هي الهدف في التجارة والتبرع والتربية. الإنفاق والزÙÆ'اة والوقف نوع من التبرعØÅ' ولإدارتها أقيم قسم خاص سمي ب UPI ZAWA. خلال مايو 2007 إلى Ø£ÙÆ'توبر 2012ØÅ' مقدار أموال الإنفاق والزÙÆ'اة الذي يدخل في UPI ZAWA هو 114..406.332 روبيةØÅ' وتم توزيعه قدر 85.842.758 روبية. وأما الوقف الذي أداره UPI ZAWA هو الوقف النقدي الذي تم جمعه من السنة 2010 إلى السنة 2012 قدر 12.140.000 روبيةØÅ' واستثمره بالبنÙÆ' حتى حصل الربح 1.225.094 روبية. الهدف من الوقف النقدي هو لمصلحة التربية الإسلامية. لإدارة الإنفاق والزÙÆ'اة والوقف في البنÙÆ' الصغير الإسلامي عوامل دافعة وعوامل مانعة. من العوامل الدافعة هي أن جميع موظفي وطلاب الجامعة مسلمونØÅ' ومعظم موظفيها موظفون Ø­ÙÆ'وميونØÅ' وللمدرسين شهادة التدريس. من هذه العوامل نعرف بأن Ø£ÙÆ'ثر سÙÆ'ان الجامعة يفهمون عن مشروعية التبرع ولهم رواتب ÙÆ'افية لاستخراج منها للتبرع. من العوامل المانعة هي نقصان إعلان UPI ZAWA في الجامعةØÅ' وعدم أمر رئيس الجامعة لموظفيها باستلام الزÙÆ'اة إلى UPI ZAWA. بوجود العوامل السابقةØÅ' على قسم التبرع بالبنÙÆ' أن يزيد جهده Ø£ÙÆ'ثر في ترقية إدارة الانفاق والزÙÆ'اة والوقف في البنÙÆ' الصغير الإسلامي حتى يستفيده ÙÆ'ثير من المسلمين. الÙÆ'لمات الأساسية: الانفاقØÅ' الزÙÆ'اةØÅ' الوقفØÅ' البنÙÆ' الصغير الإسلامي Abstrak: Tulisan ini membahas tentang praktek infak, zakat, dan wakaf di Banking concern Mini Syariah. Banking company Mini Syariah adalah bank yang didirikan sebagai laboratorium dalam pembelajaran dan praktek perbankan di Fakultas Syariah IAIN Sunan Ampel Surabaya. Sebagai laboratorium perbankan, bank tersebut memiliki produk bisnis, sosial dan pendidikan. Untuk menangani produk sosial, dibentuk Unit Pengelola Infak, Zakat, dan Wakaf yang disingkat menjadi UPI ZAWA. Selama berdirinya Bank Mini Syariah hingga saat ini, 2007-2012, dana infak dan zakat yang masuk di UPI ZAWA sebesar 114.406.332 rupiah dan telah disalurkan sebanyak 85.842.758. Sedangkan wakaf yang dikelola adalah wakaf uang. Wakaf uang yang terkumpul dari tahun 2010-2012 sebesar 12.140.000.00 dengan laba 1.225.094.20 . Wakaf uang tersebut rencananya akan digunakan untuk kemaslahatan pendidikan. Terdapat beberapa faktor penunjang bagi perkembangan infak, zakat dan wakaf di Bank Mini Syariah, diantaranya, seluruh pegawai IAIN Sunan Ampel adalah muslim, adanya sertifikasi dosen dan hampir semua pegawai IAIN Sunan Ampel adalah pegawai negeri. Adapun faktor penghambat yang menyebabkan kurang optimalnya pelaksanaan infak, zakat, dan wakaf adalah kurangnya sosialisasi adanya UPI ZAWA di BMS, dan belum adanya kebijakan institusi kepada pegawai IAIN Sunan Ampel untuk menyalurkan infak, zakat, dan wakaf di UPI ZAWA. Berdasarkan faktor pendorong dan penghambat tersebut, hendaknya pengelola UPI ZAWA lebih mengoptimalkan kinerjanya sehingga dapat mengelola infak, zakat, dan wakaf dengan lebih baik.

RESPONS MASYARAKAT TERHADAP STRATEGI KJKS BMT NU GAPURA SUMENEP DALAM MENGURANGI KETERGANTUNGAN PADA RENTENIR Al-Hadi, Abu Azam

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Fitriyah, Faizatul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. four No. i (2014): eL-Qist:

Publisher :

Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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This research data was compiled by using interview techniques and documentation. Furthermore, the data that has been collected is analyzed using descriptive analysis method, which is a method of describing and interpreting the data that has been nerveless using inductive mindset. The results of this research ended that the being of interesting strategies practical by KJKS BMT NU Gapura Sumenep turned out to be able to reduce the reliance of social club confronting loan sharks. The strategy that is carried out by means of production innovation, service which is easy and convenient, and socialization. These strategies become the differentiating factors between KJKS BMT NU with the moneylenders. In practice of the moneylenders, if the borrower cannot afford the repayments, the interest expenses continue to grow then that it can exist troublesome to the borrower. While KJKS BMT NU encourages customers to give some favors, for example by Qardlul Hasan. In the provision of services to communities in demand of capital, KJKS BMT NU applies different from other institutions which is very administrative in giving loans to people who need venture capital. If the person is capable and responsible for developing his business, from the results of the interview, KJKS BMT NU will give venture capital loans according to needs and abilities of the bidder. Some other strategy is the socializing done KJKS BMT NU course silaturrahim betwixt officers of NU, both branches and twigs, with the aim of disseminating the existence of financial institutions that serve to prosper the people's economy. So many clients claimed to exist pleased with the presence of KJKS BMT NU because many helps by developing endeavor through venture majuscule loan.

PENGARUH TINGKAT PROFITABILITAS DAN LIKUIDITAS TERHADAP KECUKUPAN MODAL PADA Bank TABUNGAN NEGARA SYARIAH CABANG DIPONEGORO SURABAYA Nurlailah, Nurlailah
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. iv No. one (2014): eL-Qist:

Publisher :

Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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This study uses secondary information from the fiscal statements of Islamic Land Savings Bank (BTN Syariah) Branch Diponegoro Surabaya per quarter over the period 2010 – 2012. Analytical technique used is multiple linear regressions with a coefficient of multiple determination tests fitted the archetype assumptions including relevant examination, autocorrelation, normality tests, and heteroskedasticity to make certain that those assumptions are met by the model used in this study. Hypothesis testing uses a t-examination for testing the partial regression coefficients and F-test statistics for the simultaneous regression coefficients testing on a significant level of v%. During the flow of observation on the basis of relevant test, autocorrelation, and heteroskedasticity not found variables that deviate from the classical assumptions. In addition, this enquiry indicates the Gaussian normal; this shows that the available data are qualified to use multiple linear regression equations of the model. The results showed that ROA partially influence significantly to CAR because information technology has a value smaller than 5% (0.05) significance. While ROE and FDR partially practise non touch on significantly to CAR on Sharia Country Savings Bank Branch Diponegoro Surabaya because t-count is smaller than t-tabel. However, simultaneously, ROA, ROE, and FDR proved influential significantly to Car because it has a value smaller than 0.05 and F-count greater than F-table. The role of the direction of assets and liabilities is quite important in generating the level of profitability. Similarly, the operation of the direction of liquidity contributes to the achievement of efficiency means that bank. It was followed by pretty invlovement of liability and capital management in boosting the level of efficiency of the banking concern. Such a condition should be noted by the management of Islamic banks that managerial policies in the in a higher place three areas need to be constantly improved because it has been proven to contribute to the efficiency of the Islamic banking business.

PENGARUH TINGKAT PEMBIAYAAN MUDHARABAH TERHADAP TINGKAT RASIO PROFITABILITAS PADA KOPERASI JASA KEUANGAN SYARIAH (KJKS) MANFAAT SURABAYA Buchori, Imam

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Prasetyo, Aji
el-Qist : Journal of Islamic Economics and Business concern (JIEB) Vol. 4 No. 1 (2014): eL-Qist:

Publisher :

Plan Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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Many financial institutions those were born with the Shariah-based in Republic of indonesia--including non-bank financial institutions, among them are Islamic insurance, Shariah pawnshop, Shariah fiscal services cooperatives, and more than. Shariah-compliant financial services cooperatives (KJKS) Manfaat Surabaya is withal classified as "new" in Indonesia, in which retained the principle of kinship as a guide of the cooperative itself. Diverse systems were much changed, from conventional systems to the Islamic system, specially in terms of contract and financial accounting standards. And then came the question, whether the views of society and the level of public confidence as well as different? Of form a lot of things to be able to testify from the above questions, one of which is the level of profitability, as well as a big number of levels KJKS Groove financing given to the community. The greater the level of profitability means the level of public conviction about the existence of KJKS in Indonesia also getting bigger. Many financing products of KJKS Manfaat are given to the public, i of which is the mudharabah financing which is very influential on the profit orientation of each financial establishment of Sharia. This research is the kind of quantitative research with data assay using elementary regression and t tests to find out the significance of the influence of mudharabah financing against a ratio of profitability in KJKS Manfaat Surabaya.

PENGARUH KUALITAS LAYANAN DAN PROMOSI TERHADAP PREFERENSI ANGGOTA DALAM PENGAJUAN PEMBIAYAAN MUDHARABAH DI KJKS BMT-MMU CABANG SIDOGIRI PASURUAN Fatmah, Fatmah

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Virdiany, Fitri
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 4 No. one (2014): eL-Qist:

Publisher :

Plan Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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KJKS BMT-MMU Sidogiri Pasuruan is one of financial institutions which done past akad with duniawi and ukhrawi bones, because akad is done according to Islamic law (Shariah). The goal of this research is to analyze the influence of service quality and promotion to member’s preference in proposing mudharabah defrayal at KJKS BMT-MMU Branch Sidogiri Pasuruan. Service quality, promotion, and member’south preference is i wedlock which difficult to be dissociated, because the service quality and promotion which is given to a company has direct outcome to member’s preference. This research is quantitative research with survey method, the goal of this research is to know the influence of service quality and promotion to member’s preference in proposing mudha’arabah defrayal at KJKS BMT-MMU Branch Sidogiri Pasuruan. To know this, it is used double linier assay regress with F test and t test. The amount of sample due north this research is 57 members with determinant sample used purposive sampling technique. The technique of data collection use questionnaire, interview, documentation, and ascertainment, while to test the instrument used validities, reliabilities, and archetype supposition test. Based on the result of the coefficient backslide examination stimultan (F examination) is obtained F count is two,398 with F table iii,17. Because F count is smaller than F tab;e, therefore it tin can be said that service quality and promotion have no influence significantly to member’s preference in proposing mudharabah defrayal. The result of coefficient regress partially (t exam) is obtained service quality variable has t count 1,058 and promotion variable has t count 0,956. Both of variables have no influence significantly to member’s preference in proposing mudharabah defrayal. This matter is shown by t count is smaller that t table (2,000).

KUALITAS PELAYANAN DAN PENGARUHNYA TERHADAP TINGKAT KEPUASAN NASABAH DI BMT UGT SIDOGIRI CAPEM WARU Rahmawati, Lilik

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Hudayatin, Nofiana
el-Qist : Periodical of Islamic Economics and Business organization (JIEB) Vol. 4 No. ane (2014): eL-Qist:

Publisher :

Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

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The quality of service has a close relationship with customer satisfaction. The quality of service provided an impetus to the customer to establish bonds of potent relationships with the company. When already interwoven bail, then the client will choose the visitor and when they came to the company, they already have expectations about what kind of service volition exist obtained (acceptable) based on previous experience, communication, Word of oral cavity has ever heard, other information has e'er been received, also as the influence of the need. The service always experienced will become the accepted standard of comparison services at this time. Based on that background, the outline of the problem surfaced, namely: whether quality of service indicators simultaneously influences on satisfaction clients in BMT UGT Sidogiri Waru Branch? Whether quality of service indicators affects client satisfaction confronting partially in BMT UGT Sidogiri Waru Branch? And what indicators are most influential to the satisfaction of the client in BMT UGT Sidogiri Waru Branch? The purpose of this research is to know the influence of partially and simultaneous, as well as the near ascendant indicator of service quality on customer satisfaction levels in response to BMT UGT Sidogiri Waru Branch. The dimensions of service quality consist of intangibles, reliability, response, reassurance and empathy. This inquiry uses descriptive quantitative methods, with incidental sampling technique with a number of respondents equally much as 88 clients. The results of information analysis using regression analysis showed that, simultaneously, the quality of service which consists of intangible variables, reliability, response, reassurance and empathy to the client with the highest level of satisfaction F_hitung > F_tabel 2,368 3,626 and significance of 0.005. Partially, intangible factors have a meaning influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy don’t have significant furnishings. The most dominant factor influence on satisfaction clients is a tangible factor, because the value of the significance of these factors near of 0.264. The regression equation is obtained equally follows: Y = 5.492 + 0.179X1 + 0.115X2 + 0.122X3 – 0.007X4 + 0.113X5 indicates that increasing the quality of service in terms of intangibles can increase customer satisfaction.

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