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El-Qist : Journal of Islamic Economics and Business organisation (JIEB)

Published past Universitas Islam Negeri Sunan Ampel

ISSN : 22527907     EISSN : 27160335     DOI : ten.15642/elqist.v10i1.267

Cadre Bailiwick : Economic system, Scientific discipline, Social,

el-Qist: Periodical of Islamic Economics and Business (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{ADÎTH MUTAWÂTIR DALAM TEORI Common LINK G.H.A. JUYNBOLL
el-Qist : Journal of Islamic Economic science 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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Most all Muslims concur that an authenticprophetic tradition (h}adîth) is that which comes direct fromthe Prophet. A tradition such as this—like 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 science of prophetictradition, such tradition is called d}arûrî, literally meanscompulsory in the sense that it necessitates Muslims tocomply. Different sort of view even so, is being introducedby an orientalist named G.H.A. Juynboll. He comes up withan entirely different view concerning an authentic prophetictradition both in terms of its category and definition. Hereckons that at that place is no such thing as an accurate prophetictradition. Every prophetic tradition is vague, and fallstherefore under the category of being inauthentic. This paperis interested in dealing critically with this controversial viewby giving particular attention to 4 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 : Journal of Islamic Economics and Business organisation (JIEB) Vol. 4 No. i (2014): eL-Qist:

Publisher :

Programme 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 ane.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 Depository financial institution Mini Syariah. Bank 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 Depository financial institution 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 : Periodical of Islamic Economics and Business (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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This research data was compiled by using interview techniques and documentation. Furthermore, the data that has been collected is analyzed using descriptive assay method, which is a method of describing and interpreting the data that has been collected using inductive mindset. The results of this inquiry ended that the existence of interesting strategies applied by KJKS BMT NU Gapura Sumenep turned out to be able to reduce the reliance of society confronting loan sharks. The strategy that is carried out by means of product innovation, service which is piece of cake and user-friendly, and socialization. These strategies go 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 go on to grow and so that it can be troublesome to the borrower. While KJKS BMT NU encourages customers to requite some favors, for instance by Qardlul Hasan. In the provision of services to communities in demand of majuscule, KJKS BMT NU applies unlike 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 volition give venture capital loans according to needs and abilities of the applicant. Another strategy is the socializing washed KJKS BMT NU form silaturrahim between 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 be pleased with the presence of KJKS BMT NU because many helps by developing effort through venture capital loan.

PENGARUH TINGKAT PROFITABILITAS DAN LIKUIDITAS TERHADAP KECUKUPAN MODAL PADA Banking concern TABUNGAN NEGARA SYARIAH CABANG DIPONEGORO SURABAYA Nurlailah, Nurlailah
el-Qist : Journal of Islamic Economics and Business organization (JIEB) Vol. 4 No. i (2014): eL-Qist:

Publisher :

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

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This report uses secondary data from the fiscal statements of Islamic Land Savings Banking company (BTN Syariah) Branch Diponegoro Surabaya per quarter over the catamenia 2010 – 2012. Analytical technique used is multiple linear regressions with a coefficient of multiple determination tests fitted the archetype assumptions including relevant test, autocorrelation, normality tests, and heteroskedasticity to make sure that those assumptions are met by the model used in this study. Hypothesis testing uses a t-test for testing the partial regression coefficients and F-test statistics for the simultaneous regression coefficients testing on a significant level of five%. During the period of observation on the basis of relevant exam, autocorrelation, and heteroskedasticity not found variables that deviate from the classical assumptions. In improver, this research indicates the Gaussian normal; this shows that the available information are qualified to apply multiple linear regression equations of the model. The results showed that ROA partially influence significantly to Machine because it has a value smaller than 5% (0.05) significance. While ROE and FDR partially practise not affect significantly to CAR on Sharia State Savings Banking concern Branch Diponegoro Surabaya because t-count is smaller than t-tabel. However, simultaneously, ROA, ROE, and FDR proved influential significantly to CAR because information technology has a value smaller than 0.05 and F-count greater than F-table. The function of the management of assets and liabilities is quite important in generating the level of profitability. Similarly, the performance of the management of liquidity contributes to the accomplishment of efficiency means that bank. It was followed past pretty invlovement of liability and capital letter management in boosting the level of efficiency of the bank. Such a status should be noted past the management of Islamic banks that managerial policies in the above three areas need to exist constantly improved considering information technology has been proven to contribute to the efficiency of the Islamic cyberbanking 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 Concern (JIEB) Vol. 4 No. one (2014): eL-Qist:

Publisher :

Programme 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 Indonesia--including non-bank financial institutions, among them are Islamic insurance, Shariah pawnshop, Shariah financial services cooperatives, and more. Shariah-compliant fiscal services cooperatives (KJKS) Manfaat Surabaya is still classified as "new" in Indonesia, in which retained the principle of kinship as a guide of the cooperative itself. Various systems were much changed, from conventional systems to the Islamic arrangement, particularly in terms of contract and financial accounting standards. Then came the question, whether the views of guild and the level of public confidence as well as dissimilar? Of grade a lot of things to be able to prove from the in a higher place questions, one of which is the level of profitability, as well as a large number of levels KJKS Groove financing given to the community. The greater the level of profitability means the level of public conviction nearly the existence of KJKS in Indonesia also getting bigger. Many financing products of KJKS Manfaat are given to the public, one of which is the mudharabah financing which is very influential on the profit orientation of each fiscal institution of Sharia. This enquiry is the kind of quantitative enquiry with data analysis 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 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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KJKS BMT-MMU Sidogiri Pasuruan is one of fiscal institutions which washed by akad with duniawi and ukhrawi basic, because akad is done co-ordinate to Islamic constabulary (Shariah). The goal of this research is to clarify the influence of service quality and promotion to member’southward preference in proposing mudharabah defrayal at KJKS BMT-MMU Branch Sidogiri Pasuruan. Service quality, promotion, and member’southward preference is one union which difficult to exist dissociated, because the service quality and promotion which is given to a company has directly effect to member’due south 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’southward preference in proposing mudha’arabah defrayal at KJKS BMT-MMU Branch Sidogiri Pasuruan. To know this, information technology is used double linier analysis regress with F exam and t exam. The corporeality of sample n this research is 57 members with determinant sample used purposive sampling technique. The technique of data drove use questionnaire, interview, documentation, and observation, while to test the instrument used validities, reliabilities, and classic assumption exam. Based on the result of the coefficient backslide test stimultan (F examination) is obtained F count is 2,398 with F table 3,17. Because F count is smaller than F tab;e, therefore it can be said that service quality and promotion accept no influence significantly to member’s preference in proposing mudharabah defrayal. The result of coefficient regress partially (t test) is obtained service quality variable has t count one,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 : Journal of Islamic Economic science and Business (JIEB) Vol. four No. 1 (2014): eL-Qist:

Publisher :

Programme 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 client to constitute bonds of stiff relationships with the company. When already interwoven bond, then the client will cull the company and when they came to the company, they already take expectations near what kind of service will be obtained (acceptable) based on previous feel, advice, Discussion of mouth has e'er heard, other information has ever been received, as well equally the influence of the demand. The service always experienced will become the accepted standard of comparing services at this time. Based on that groundwork, the outline of the trouble 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 against partially in BMT UGT Sidogiri Waru Branch? And what indicators are near influential to the satisfaction of the customer in BMT UGT Sidogiri Waru Branch? The purpose of this research is to know the influence of partially and simultaneous, as well every bit the most dominant 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 research uses descriptive quantitative methods, with incidental sampling technique with a number of respondents as much every bit 88 clients. The results of data assay using regression assay showed that, simultaneously, the quality of service which consists of intangible variables, reliability, response, reassurance and empathy to the customer with the highest level of satisfaction F_hitung > F_tabel 2,368 iii,626 and significance of 0.005. Partially, intangible factors take a significant influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy don’t accept significant furnishings. The most dominant factor influence on satisfaction clients is a tangible factor, because the value of the significance of these factors nigh of 0.264. The regression equation is obtained as follows: Y = five.492 + 0.179X1 + 0.115X2 + 0.122X3 – 0.007X4 + 0.113X5 indicates that increasing the quality of service in terms of intangibles tin can increase customer satisfaction.

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