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

Published by Universitas Islam Negeri Sunan Ampel

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

Cadre Subject : Economy, Science, Social,

el-Qist: Journal of Islamic Economics and Concern (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 Yard.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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Nigh all Muslims hold 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, it brings legal and moral implication for the Muslimsto apply in their daily life. In the science of prophetictradition, such tradition is chosen d}arûrî, literally meanscompulsory in the sense that it necessitates Muslims tocomply. Unlike sort of view still, is beingness introducedby an orientalist named G.H.A. Juynboll. He comes upwardly withan entirely different view apropos an authentic prophetictradition both in terms of its category and definition. Hereckons that at that place is no such affair as an authentic 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 item attention to four 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. 4 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 banking concern 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. iv No. i (2014): eL-Qist:

Publisher :

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

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This inquiry information 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 inductive mindset. The results of this research concluded that the beingness of interesting strategies applied by KJKS BMT NU Gapura Sumenep turned out to exist able to reduce the reliance of club against loan sharks. The strategy that is carried out by means of product innovation, service which is piece of cake 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 and then that it can exist troublesome to the borrower. While KJKS BMT NU encourages customers to give some favors, for example past 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 letter. If the person is capable and responsible for developing his business, from the results of the interview, KJKS BMT NU will requite venture capital letter loans according to needs and abilities of the bidder. 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 financial institutions that serve to prosper the people'due south economy. So many clients claimed to be pleased with the presence of KJKS BMT NU considering many helps by developing try through venture capital loan.

PENGARUH TINGKAT PROFITABILITAS DAN LIKUIDITAS TERHADAP KECUKUPAN MODAL PADA Bank TABUNGAN NEGARA SYARIAH CABANG DIPONEGORO SURABAYA Nurlailah, Nurlailah
el-Qist : Journal of Islamic Economic science and Business organization (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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This written 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 test, 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 5%. During the period of observation on the ground of relevant exam, autocorrelation, and heteroskedasticity not plant variables that deviate from the classical assumptions. In addition, this research indicates the Gaussian normal; this shows that the available information are qualified to employ 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 do not bear on significantly to CAR on Sharia State Savings Bank Co-operative Diponegoro Surabaya considering t-count is smaller than t-tabel. Even so, simultaneously, ROA, ROE, and FDR proved influential significantly to CAR considering it has a value smaller than 0.05 and F-count greater than F-table. The role of the management of avails and liabilities is quite important in generating the level of profitability. Similarly, the performance of the management of liquidity contributes to the achievement of efficiency means that banking concern. It was followed past pretty invlovement of liability and capital management in boosting the level of efficiency of the bank. Such a condition should exist noted by the management of Islamic banks that managerial policies in the to a higher place iii areas demand to be constantly improved considering 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 : Periodical of Islamic Economics and Concern (JIEB) Vol. four 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 born with the Shariah-based in Indonesia--including non-banking company financial institutions, among them are Islamic insurance, Shariah pawnshop, Shariah financial services cooperatives, and more. Shariah-compliant fiscal services cooperatives (KJKS) Manfaat Surabaya is notwithstanding classified as "new" in Indonesia, in which retained the principle of kinship as a guide of the cooperative itself. Various systems were much inverse, from conventional systems to the Islamic system, particularly in terms of contract and financial accounting standards. Then came the question, whether the views of lodge and the level of public confidence likewise as different? Of grade a lot of things to be able to prove from the above questions, one of which is the level of profitability, as well every bit a large number of levels KJKS Groove financing given to the community. The greater the level of profitability ways the level of public confidence about the existence of KJKS in Indonesia as well 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 financial institution of Sharia. This inquiry is the kind of quantitative research with data analysis using simple regression and t tests to find 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 : Periodical of Islamic Economic science and Business organization (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 washed 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’south preference in proposing mudharabah defrayal at KJKS BMT-MMU Branch Sidogiri Pasuruan. Service quality, promotion, and member’south preference is one union which difficult to be dissociated, considering the service quality and promotion which is given to a visitor has direct consequence to member’due south preference. This research is quantitative inquiry with survey method, the goal of this research is to know the influence of service quality and promotion to member’south 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 examination and t examination. The amount of sample n this research is 57 members with determinant sample used purposive sampling technique. The technique of data collection apply questionnaire, interview, documentation, and observation, while to test the musical instrument used validities, reliabilities, and classic assumption exam. Based on the issue of the coefficient regress test stimultan (F examination) is obtained F count is ii,398 with F table 3,17. Because F count is smaller than F tab;e, therefore information technology can exist said that service quality and promotion have no influence significantly to member’southward preference in proposing mudharabah defrayal. The result of coefficient regress partially (t examination) 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 thing is shown by t count is smaller that t table (ii,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 Concern (JIEB) Vol. 4 No. ane (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 shut human relationship with customer satisfaction. The quality of service provided an impetus to the customer to establish bonds of strong relationships with the company. When already interwoven bond, then the client will choose the company and when they came to the visitor, they already have expectations well-nigh what kind of service volition exist obtained (acceptable) based on previous experience, communication, Word of oral fissure has ever heard, other information has always been received, likewise as the influence of the need. The service always experienced will go 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 confronting partially in BMT UGT Sidogiri Waru Branch? And what indicators are nigh 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, likewise as the near ascendant indicator of service quality on client 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 equally 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 three,626 and significance of 0.005. Partially, intangible factors accept a pregnant influence on the value significance of 0,249, whereas the factors of reliability, response, reassurance and empathy don’t accept significant effects. The most dominant gene influence on satisfaction clients is a tangible cistron, because the value of the significance of these factors most 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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