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

Published by Universitas Islam Negeri Sunan Ampel

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

Core Field of study : Economy, Science, Social,

el-Qist: Periodical of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April 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 M.H.A. JUYNBOLL
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. iv No. 1 (2014): eL-Qist:

Publisher :

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

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Most all Muslims agree that an authenticprophetic tradition (h}adîthursday) is that which comes straight fromthe Prophet. A tradition such as this—like the Qur’ân—isreliable in terms of its concatenation of narration and message.Hence, it brings legal and moral implication for the Muslimsto utilise in their daily life. In the scientific discipline of prophetictradition, such tradition is called d}arûrî, literally meanscompulsory in the sense that information technology necessitates Muslims tocomply. Different sort of view yet, is being introducedby an orientalist named One thousand.H.A. Juynboll. He comes up withan entirely different view apropos 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 nether the category of being inauthentic. This paperis interested in dealing critically with this controversial viewby giving particular attention 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 : Journal of Islamic Economics and Business (JIEB) Vol. iv No. 1 (2014): eL-Qist:

Publisher :

Program 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 Bank 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 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 Banking concern 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. 4 No. 1 (2014): eL-Qist:

Publisher :

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

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This inquiry 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 collected using anterior mindset. The results of this inquiry concluded that the beingness of interesting strategies practical past KJKS BMT NU Gapura Sumenep turned out to be able to reduce the reliance of society against loan sharks. The strategy that is carried out past ways of product 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 involvement expenses continue to abound so that it can be troublesome to the borrower. While KJKS BMT NU encourages customers to requite some favors, for case by Qardlul Hasan. In the provision of services to communities in need of majuscule, 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 concern, from the results of the interview, KJKS BMT NU will give venture majuscule loans according to needs and abilities of the applicant. Another strategy is the socializing done KJKS BMT NU form silaturrahim between officers of NU, both branches and twigs, with the aim of disseminating the existence of fiscal institutions that serve to prosper the people's economic system. So many clients claimed to be pleased with the presence of KJKS BMT NU because many helps past developing effort through venture majuscule loan.

PENGARUH TINGKAT PROFITABILITAS DAN LIKUIDITAS TERHADAP KECUKUPAN MODAL PADA BANK TABUNGAN NEGARA SYARIAH CABANG DIPONEGORO SURABAYA Nurlailah, Nurlailah
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 report uses secondary data from the financial statements of Islamic State Savings Bank (BTN Syariah) Co-operative 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 classic assumptions including relevant examination, autocorrelation, normality tests, and heteroskedasticity to make certain that those assumptions are met by the model used in this report. 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 5%. During the catamenia of ascertainment on the ground of relevant exam, autocorrelation, and heteroskedasticity not found variables that deviate from the classical assumptions. In addition, this research indicates the Gaussian normal; this shows that the available data are qualified to utilize multiple linear regression equations of the model. The results showed that ROA partially influence significantly to CAR because it has a value smaller than five% (0.05) significance. While ROE and FDR partially do non affect significantly to Car on Sharia Country Savings Banking concern Co-operative 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-tabular array. The role of the management of assets and liabilities is quite of import in generating the level of profitability. Similarly, the functioning of the management of liquidity contributes to the accomplishment of efficiency ways that depository financial institution. Information technology was followed by pretty invlovement of liability and majuscule direction in boosting the level of efficiency of the bank. Such a condition should be noted past the management of Islamic banks that managerial policies in the above three areas need to be constantly improved considering it 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 : Periodical of Islamic Economics and Business organisation (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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Many financial institutions those were built-in with the Shariah-based in Indonesia--including non-banking concern financial institutions, among them are Islamic insurance, Shariah pawnshop, Shariah financial services cooperatives, and more. Shariah-compliant financial services cooperatives (KJKS) Manfaat Surabaya is nonetheless classified every bit "new" in Indonesia, in which retained the principle of kinship equally a guide of the cooperative itself. Various systems were much inverse, from conventional systems to the Islamic system, especially in terms of contract and financial bookkeeping standards. Then came the question, whether the views of gild and the level of public confidence as well as dissimilar? Of course a lot of things to be able to bear witness from the above questions, ane of which is the level of profitability, as well equally a big number of levels KJKS Groove financing given to the customs. The greater the level of profitability means the level of public conviction nigh the beingness of KJKS in Indonesia also getting bigger. Many financing products of KJKS Manfaat are given to the public, 1 of which is the mudharabah financing which is very influential on the turn a profit orientation of each financial institution of Sharia. This research is the kind of quantitative research with information analysis using unproblematic regression and t tests to notice out the significance of the influence of mudharabah financing confronting 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 Economic science and Business organisation (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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KJKS BMT-MMU Sidogiri Pasuruan is one of financial institutions which done by akad with duniawi and ukhrawi basic, 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’southward preference is one union which difficult to be dissociated, because the service quality and promotion which is given to a visitor has directly effect to member’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’s preference in proposing mudha’arabah defrayal at KJKS BMT-MMU Branch Sidogiri Pasuruan. To know this, it is used double linier analysis backslide with F exam and t exam. The amount of sample n this research is 57 members with determinant sample used purposive sampling technique. The technique of data collection employ questionnaire, interview, documentation, and observation, while to exam the musical instrument used validities, reliabilities, and classic assumption test. Based on the issue of the coefficient regress test stimultan (F test) is obtained F count is 2,398 with F table 3,17. Considering F count is smaller than F tab;eastward, therefore it can be said that service quality and promotion have no influence significantly to member’due south preference in proposing mudharabah defrayal. The outcome of coefficient regress partially (t test) 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’due south preference in proposing mudharabah defrayal. This matter is shown by t count is smaller that t tabular array (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. 4 No. 1 (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 human 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 bond, then the customer will choose the visitor and when they came to the company, they already have expectations about what kind of service will be obtained (acceptable) based on previous experience, communication, Word of mouth has ever heard, other information has ever been received, as well every bit the influence of the need. The service ever experienced will become the accustomed 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 customer satisfaction against partially in BMT UGT Sidogiri Waru Co-operative? And what indicators are near 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 equally the almost dominant indicator of service quality on client satisfaction levels in response to BMT UGT Sidogiri Waru Co-operative. 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 as much as 88 clients. The results of data analysis 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 3,626 and significance of 0.005. Partially, intangible factors accept a significant influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy don’t have significant effects. The virtually ascendant cistron influence on satisfaction clients is a tangible factor, because the value of the significance of these factors virtually of 0.264. The regression equation is obtained as 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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