• TINGKAT KEPUASAN NASABAH KPR BTN SYARIAH & BTN KONVENSIONAL TERHADAP KUALITAS LAYANAN

      Kailani, Ahmad (Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta, 2009-02-07)
      Tingginya tingkat suku bunga pinjaman dan terbatasnya kemampuan Perbankan untuk menyalurkan dana kepada nasabah, hanya Bank syariah di Indonesia yang tetap dan semakin memperkuat eksistensinya setelah terjadinya ksrisis moneter ini. Keadaan ekonomi yang belum pulih akibat krisis ekonomi hingga saat ini berdampak kepada tingkat kestabilan ekonomi yang lamban dan penurunan tingkat daya beli masyarakat terhadap barang-barang konsumsi terutama pada kebutuhan hajiat yang semakin hari semakin terjadi peningkatan harga. Kebutuhan Sandang, Pangan, dan Papan harus terus terpenuhi. Oleh karenanya Bank Konvensional maupun Bank Syariah keduanya memberikan jasa layanan kepada nasabah melalui produknya demi untuk meningkatkan daya beli masyarakat yaitu melalui produk pinjaman dan pembiayaannyaDOI: 10.15408/aiq.v1i2.2468
    • Pengaruh Dana Investasi Melalui Instrumen SUN dan SBSN Terhadap Pertumbuhan Ekonomi Indonesia

      Ryandini, Tya; DPP Ikatan Ahli Ekonomi Islam Indonesia (IAEI) (Faculty of Shariah and Law, 2014-01-28)
      The Influence of Investment Fund Through National Bond (SUN) and National Sukuk (SBSN) To Economic Growth in Indonesia. The aims of this research is to analyze the short term and long term influence of investment fund through National Bond (SUN) and National Sukuk (SBSN) to economic growth in Indonesia in the year of 2008 – 2012.The methode which used in this research is Error Correction Model. The result shows that economic development is positively influenced by National Bond in short term and long term. But, it negatively influenced by the National Sukuk both in short term and long term  DOI:10.15408/aiq.v6i1.1369
    • Efektivitas Layanan Weekend Banking (Studi BMI KCP PIM ) .

      Farhah, Rifa; Bank Jabar Banten Syariah (Faculty of Shariah and Law, 2014-01-28)
      The Effectiveness of Weekend Banking Services (Study at BMI KCP PIM). The aim of this research is to analyze the effectiveness of weekend banking services at Bank Muamalat Indonesia. The method that used in this research is linier regression and. The result shown that the value of adjusted R-squared was 0.313409. It means that customer’s preference (dependent variable) was influenced by location, brand image, and, product and services in the amount of 31.34% and the others 68.66% was influenced by the others factor. From the paired sample t-test shown that the weekend banking services still not effective to increase the third party funds  DOI:10.15408/aiq.v6i1.1370
    • Preferensi Usaha Kecil dan Mikro di Pasar Baru Cikarang Dalam Memilih Akses Pembiayaan

      Aisyah, Siti; BPRS Harta Insan Karimah (Faculty of Shariah and Law, 2014-01-28)
      Preference of Micro and Small Enterprise in Pasar Baru Cikarang In Selecting Financing Access. The aim of this research is to measure the micro and small entreprise preference in Pasar Baru Cikarang in selecting of conventional or shariah financing access with using 100 responden. The Method that used in this research is binary logistic regression and descriptive analysis. There are two result of this research, first, the factor that influence the micro and small enterprise preference are the lower interest/yield, diverse product, financing plafond, and presence a guidance of business development. Second, the micro and small medium enterprise in Pasar Baru Cikarang is more preferrable access in conventional financial institution.  DOI: 10.15408/aiq.v6i1.1365
    • Peran Etika Qur’ani Terhadap Sistem Ekonomi Islam.

      Iswandi, Andi; Fakultas Syariah Institut PTIQ Jakarta (Faculty of Shariah and Law, 2014-01-28)
      Role of Ethics Qur’anic toward Islamic Economic Sistem. In the discourse of conventional economics, ethics in economic activity does not have an important role in his studies even denied. This view is based sphere of ethics that is different from the economic sphere. Ethics is more inclined to religious values are just talking about good-bad and the world hereafter. While the economy discussing with the sistem and the material welfare. In contrast to conventional economics, Islamic economics is the view that ethics plays a role in the economic activity, even ethics and economics can’t be separated. In Islamic economics, ethics or morals qur’ani contained in the Quran has an important role on the formation of an Islamic economic sistem  DOI:10.15408/aiq.v6i1.1528 
    • Pengaruh Rentabilitas, Efisiensi, dan Likuiditas Terhadap Kecukupan Modal Bank Umum Syariah: Study Pada PT Bank Syariah Mandiri Tbk

      Fatimah, Siti; BCA Finance, BCA Pondok Indah (Faculty of Shariah and Law, 2014-01-28)
       The Influence of Rentability, Efficiency, Liquidity To Capital Adequacy Ratio in Islamic Bank: Study at PT Bank Syariah Mandiri. The aim of this study is to analyze the influence of rentability (ROA), efficiency (BOPO), and liquidity (FDR) to Capital Adequacy Ratio (CAR) in short-run and long-run. The method analysis that used in this study is VECM method. The result was shown that ROA had a significant negative influence to CAR, BOPO had a significant positive influence to CAR, and FDR had a significant negative influence to CAR. There were a long-run correlation between BOPO and FDR to CAR, and there were a short-run correlation between ROA, BOPO, FDR to CAR. DOI:10.15408/aiq.v6i1.136810.15408/ijies.v6i1.1367
    • Pengelolaan Likuiditas Bank Syariah

      Ichsan, Nurul; Fakultas Agama Islam Universitas Prof. Dr. Hamka (Uhamka) (Faculty of Shariah and Law, 2014-01-28)
      Islamic Banking Liquidity Management. This article is about management of liquidity which discuss about the position of cash money in the company and its ability to fulfill the obligation (pay the debt) on time. Management of liquidity is one of the essential function which is done by banking institution and inside its efficient management, is needed instrument and finance market which is taking not only short term but also long term, and not only conventional banking but also syariat. Through that natural necessity (placement and fulfillment of short term need), for Islamic banking in Indonesia has been availabled some instruments such as (IMA) certificate of Mudhorobah Investment between bank, (PUAS) market banking regulations between syariat bank, (SWBI) Bank of Indonesia Wadiah certificate, (FPJPS) provision about short term cost facility for Islamic banks  DOI:10.15408/aiq.v6i1.1371
    • The Need for the Islamization of Knowledge in Accounting

      Majid, Jamaluddin; JamaluddinMajid is an accounting lecturer at Universitas Islam Negeri (UIN) Alauddin, Makassar; Haliding, Safri; Safri Haliding, lecturer at Faculty of Economics, Muhammadiyah University of Makassar, Indonesia and part time lecturer at UIN Alauddin Makassar and doing his master in accounting at International Islamic University Malaysia (IIUM) (Faculty of Shariah and Law, 2014-01-28)
      The Need For The Islamization of Knowledge In Accounting. This article tries to analyze the term “Islamization of knowledge method through accountancy. The economic system and the foundation of philosophy its system may influence the accounting practice that Islamic worldview provides the original source of revelation in a Muslim society by using Islamic literally of being the adherents to Islam due to be vicegerents of god and providing accountability in all aspects. Islam as a way of life, covering all activities and economic activities as accounting as well are only small part of Islam, through Al Quran and Al Hadits. In terms of developing of Islamic accounting system that as social science and institution may provide a way to satisfy its social economic objective in order to meet the benefit in this world and hereafter.  DOI: 10.15408/aiq.v6i1.1366
    • Analisis Kesesuaian Konstitusi Ekonomi Indonesia Terhadap Ekonomi Islam

      Rama, Ali; Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta; Makhlani, Makhlani; Fakultas Ekonomi dan Bisnis UIN Syarif Hidayatullah Jakarta (Faculty of Shariah and Law, 2014-01-28)
      The Similarities of Indonesian Economy Constitution to Islamic Economy. This study invistigates the similarities between the constitution of the Indonesian economy and Islamic economic system. It finds that the constitution of Indonesian economy have in common with the Islamic economic system, especially at the basic values, basic principles and instrumentals. The main similarities lie in the principle of economic activities based on the principles of solidarity and togatherness and the role of the state in the allocation of economic resources for economic prosperity and welfare of the whole people. Another important similarity is the presence of high concern towards the needy and neglected children through various economic policy instruments such as social security and social protection programs. Therefore, it is no longger relevant to polarize between the Indonesian economic constitution or Pancasila economic system and Islamic economic system  DOI:10.15408/aiq.v6i1.1367
    • Pengaruh Biaya Promosi Terhadap Peningkatan Jumlah Peserta Asuransi: Studi Di AJB Bumiputera 1912 Divisi Syariah

      Salamudin, Salamudin; Home Credit, Graha Paramita (Faculty of Shariah and Law, 2014-01-28)
      The Influence of Promotion Cost to The Increasing of Number Participants: Study at AJB Bumiputera 1912 Shariah Division. The purpose of this study is to analyze the effect of promotion costs to increase in the number of insurance participants. The analysis technique used is linear regression. The results indicate that there are significant show promotion costs to increase in the number of participants who use the benefits of insurance products Iqro Partner ‘of AJB Bumiputera 1912 Division Sharia. In promotional activities the Joint Life Insurance Company (AJB) Bumiputera 1912 Sharia to attract people is through media advertising and sales activities of the agent, of all existing forms of promotion Joint Life Insurance Company (AJB) prefers Sharia Bumiputera 1912 even most promotional activities performed by private sale (personal selling)  DOI:10.15408/aiq.v6i1.1372
    • Etika Bisnis Islam: Konsep dan Implementasi pada Pelaku Usaha Kecil.

      Amalia, Fitri; FEB UIN SyarifHidayatullah Jakarta (Faculty of Shariah and Law, 2014-01-28)
      Islamic Business Ethics: Concept and Implementation on Medium Small Enterprise. This study is aimed at determining how the concept and application of Islamic business ethics for small businesses (SMEs). The purpose of this study is to determine how the concept of Islamic business ethics and how its implementation for SMEs. Research conducted in the form of descriptive analysis. The results showed that Kampoeng Creative, Bazar Medina and SMEs in the environment of UIN Jakarta has implemented a business ethics of Islam, both by employers and employees. In conducting its business and activities, entrepreneurs have to understand and implement the principles or values based on Islam values acoming from the Qur’an and Hadith. The implementation of Islamic business ethics comprises four aspects : principles, management, marketing/advertising and product / price DOI:10.15408/aiq.v6i1.1373
    • Analisis Stabilitas Dinar emas dan Dolar AS dalam Denominasi Rupiah

      Harahap, Darwis (Faculty of Shariah and Law, 2014-07-29)
      Stability Analysis of Gold Dinar and US Dollar in Rupiah Denomination. This study was aimed to (a) to know if there is a causality relation between Gold Dinar and U.S. Dolar, (b) to know that Gold Dinar more stabil than U.S. Dolar AS, (c) to know whether Gold Dinar can be alternative currency as a substitute for U.S. Dolar. The result is that the growth of Gold Dinar higher than U.S. Dolar, the result of Granger causality test shown that there was undirectional causality from Gold Dinar to U.S. Dolar. The result of Analysis of Variance (ANOVA) shown that U.S. than Dinar Gold more stabil Dolar AS that measured by Rupiah. From all of result tests, it can conclude that Gold Dinar can be a alternative currency instead of U.S. Dolar.  DOI:10.15408/aiq.v6i2.1235
    • Perbandingan Kinerja Instrumen Investasi Berbasis Syariah dengan Konvensional di Pasar Modal Indonesia

      Syafrida, Ida; Jurusan Akuntansi, Politeknik Negeri Jakarta, Kampus UI Depok; Aminah, Indianik; Jurusan Akuntansi, Politeknik Negeri Jakarta, Kampus UI Depok; Waluyo, Bambang; Jurusan Akuntansi, Politeknik Negeri Jakarta, Kampus UI Depok (Faculty of Shariah and Law, 2015-03-13)
      The Performance Comparation between sharia instrument performance and conventional syariah The main objective of investors in investment activities is to get the profit. Similarly, investors in Islamic investment activities want the same things. But often the performance of sharia instruments deemed lower than conventional instruments, so market share Sharia-compliant investment instruments is still minimal. This research doing comparation performance index and mutual fund index between shariah based and conventional based. Based on the results of research that takes samples Islamic instruments of capital markets such as sharia Islamic stocks and sharia mutual funds, it is concluded that the performance of sharia-based investment instruments are not significantly different from the conventional investment instruments, even during the period of research Islamic investment instruments showed slightly better performance.  DOI:10.15408/aiq.v6i2.1230
    • Volatility of Jakarta Islamic Index

      Tanjung, Hendri; Universitas Ibn Khaldun (Faculty of Shariah and Law, 2015-03-13)
      Volatility of Jakarta Islamic Index. This study investigates the volatility of Jakarta Islamic Index (JII) in Jakarta Stock Exchange. The method that used in this research is used a simple statistical analysis. The normality of JII return is analyzed to answer whether the return of JII follows normal distribution. By using data of Jakarta Islamic Index from 2nd March 2009 to 30th October 2013 (1122 daily data), it is found that the distribution of return of JII is not normal, even the 5 sigma occurred. This means the return of Jakarta Islamic Index is much volatile than the theory predicted. This will make too much gain or loss in one day in the economy  DOI:10.15408/aiq.v6i2.1231
    • Faktor-faktor Yang Memengaruhi Persepsi Nazhir Terhadap Wakaf Uang.

      Dahlan, Rahmat; Universitas Prof. Dr. Hamka (Faculty of Shariah and Law, 2015-03-13)
      Factors That Influence Nazhir Perception on Cash Waqf. The purpose of this study is to analyze what factors are influencing cash waqf perceptions of nazhir. The sampling method that used in this research is non- probability sampling with adjusted sampling technique. The method was used to analyze the data are descriptive analysisi and logistic regression. The result of this study showed that perception nazhir influenced by the media access information and understanding of waqf regulation. Nazhir that agree with cash waqf and understand with waqf regulation is about 0,94 times if we compare with the nazhir that not understand with waqf requlation. The educational background will be influence to the mindset of nazhir perception and understanding.  DOI:10.15408/aiq.v6i2.1237
    • Pengaruh Indeks Harga Saham Syariah Internasional dan Variabel Makro Ekonomi Terhadap Jakarta Islamic Index

      Beik, Irfan Syauqi; Fakultas Ekonomi dan Manajemen IPB; Fatmawati, Sri Wulan; Pusat Studi Bisnis dan Ekonomi Syariah (CIBEST) IPB (Faculty of Shariah and Law, 2015-03-13)
      The Impact of International Islamic Stock Market and Macroeconomic Variables Towards Jakarta Islamic Index (JII) This research atempts to examine the impact of international Islamic stock market and macroeconomic variables towards Jakarta Islamic Index (JII). By using Vector Error Correction Model (VECM) as the method, this research utilizes time series monthly data from January 2007 to October 2012. The finding shows that JII is positively significantly affected by DJIEU, DJIMY and IPI, and it is negatively significantly affected by DJIJP, IMUS, M2 and SBIS.JII reaches its stability condition fastest when dealing with money supply shock. This study recommends: strengthening coordination between monetary authority and financial services authority, strengthening real sector of the economy, minimizing the influence of interest Rate towards Islamic financial market, and developing early warning system to anticipate financial crises.  DOI:10.15408/aiq.v6i2.1228
    • Kritik Ilmu Ekonomi Strukturalis dan Islam Terhadap Ekonomi Klasikal

      Risza, Handi; Universitas Paramadina (Faculty of Shariah and Law, 2015-03-13)
      The Critics of Structuralis Economics and Islam To Neo-Clasical Economy. This reserach proves that in the Islamic economic thought and structuralist discourse, the idea of economic and social transform is very strong, in the mean time, there is a lot of criticisms and corrections towards neoclassical economic thought. The idea of transformation is needed to re- establish economic credos and thoughts that put forward moral values and humanitarian system of ethics in the quest of economic justice and prosperity. The conclusion of this paper supports that there is an urgent need of social and economic transformation in order to establish social justice and economic prosperity. The conclusion is also a refutation to the views developed by neoclassical economic thinkers, who based their views on individual interest and free competition to realize prosperity and justice for the society.  DOI:10.15408/aiq.v6i2.1234
    • Analisis Faktor Kualitas Pelayanan di Bank Syariah (Studi Pada PT Bank Muamalat Indonesia)

      suryani, suryani; STAIN Malikussaleh Lhokseumawe (Faculty of Shariah and Law, 2015-03-13)
      Factor Analysis on Services Quality in Islamic Bank (Study at PT Bank Muamalat Indonesia). The aim of this study is to determine and identify the factors forming quality of service in PT. Bank Muamalat Indonesia, Tbk Branch Medan. Instruments of research use questionnaires and factor analysis. This research is quantitative research using survey methods. The sample method that used in this research is accidental sampling. The reliability and validity test shown that 13 question had been fulfilled the reliability and validity requirements. From the extraction gives three factors. Factor 1 explained 45,299%, factor 2 explained 12,819%, and factor 3 explained 8,904%. The results show that quality of communication is dominant factor to explain service quality. Then product innovation and physical aspects  DOI:10.15408/aiq.v6i2.1233
    • Analisis Stabilitas Dinar emas dan Dólar AS dalam Denominasi Rupiah

      Harahap, Darwis; IAIN PadangSidimpuan (Faculty of Shariah and Law, 2015-03-13)
      Stability Analysis of Gold Dinar and US Dollar in Rupiah Denomination. This study was aimed to (a) to know if there is a causality relation between Gold Dinar and U.S. Dolar, (b) to know that Gold Dinar more stabil than U.S. Dolar AS, (c) to know whether Gold Dinar can be alternative currency as a substitute for U.S. Dolar. The result is that the growth of Gold Dinar higher than U.S. Dolar, the result of Granger causality test shown that there was undirectional causality from Gold Dinar to U.S. Dolar. The result of Analysis of Variance (ANOVA) shown that U.S. than Dinar Gold more stabil Dolar AS that measured by Rupiah. From all of result tests, it can conclude that Gold Dinar can be a alternative currency instead of U.S. Dolar.  DOI:10.15408/aiq.v6i2.1235
    • The Critical Aspect on Fair Value Accounting And Its Implication To Islamic Financial Institutions.

      Majid, Jamaluddin; JamaluddinMajid is an accounting lecturer at Universitas Islam Negeri (UIN) Alauddin, Makassar,; Haliding, Safri; lecturer at Faculty of Economics, Muhammadiyah University of Makassar, Indonesia and part time lecturer at UIN Alauddin Makassar and doing his master in accounting at International Islamic University Malaysia (IIUM) (Faculty of Shariah and Law, 2015-03-13)
      The Critical Aspect on Fair Value Accounting And Its Implication To Islamic Financial Institutions. Fair value accounting (FVA) paradigm replaced the historical cost accounting (HCA) in the development of accounting standards that FVA is more relevant that HCA probably did not provide the real financial and income information. This paper tries to explore critical aspects of the fair value accounting and its implications to Islamic Financial Institutions implications. This study concludes that that fair value accounting measurement provides many critical aspects to be implemented to Islamic Financial Institutions (IFIs). AAOIFI proposed cash equivalent value as respond to fair value measurement that cash equivalent value when the attribute condition are present such as the relevance, reliability and understandability of the resulting information  DOI:10.15408/aiq.v6i2.1236