El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam http://ojs.journal.my.id/ojs/index.php/elmal <p>El-Mal: Jurnal Kajian Ekonomi &amp; Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Terbit dua kali setahun setiap Juni dan Desember. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat Ekonomi Syariah (MES) Bogor Raya bekerjasama dengan Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor, Institut Agama Islam (IAI) Sahid Bogor dan Institut Umum Quro Al-Islami (IUQI) Bogor. <a href="http://issn.pdii.lipi.go.id/">P-ISSN 2620-2956</a> <a href="http://issn.lipi.go.id/issn.cgi?daftar&amp;1603950878&amp;1&amp;&amp;2020">E-ISSN 2747-0490</a></p> <p>Ruang lingkup naskah yang diterima meliputi hasil riset dan kajian ilmiah bidang: Ekonomi, Ekonomi Islam, Keuangan, Keuangan Islam, Bisnis, Bisnis Islam, Manajemen Islam, Industri Halal dan Literasi Khazanan Islam,</p> Open Jounal System PKP & PRKS MES Bogor en-US El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam 2620-2956 Prinsip-Prinsip Kepemilikan Harta Dalam Islam http://ojs.journal.my.id/ojs/index.php/elmal/article/view/11 <p>Property is one of the most important instruments in this life, because wealth is as a support for the continuity of human life, in Islam it is always emphasized the importance of<br />independence in owning property through work or business, because Allah really loves his servant who is always giving alms with his own property. Allah Almighty really likes hard workers or people who are persistent in seeking treasure for the sake of the afterlife, even Allah SWT emphasizes in Surah at-taubah father 10. And Say: "Work for you, Then Allah and His Messenger and the believers will see your work, and you will be returned to (Allah) who knows the unseen and the real, then He tells you what you have done.Even the Companions of the Messenger of All āh adalah were rich people who possessed wealth for the progress and development of Islam at the time, a very real<br />example was the Friends of Abu Bakr, Abdurrah bin ʻAuf, Uthman ibn Affan and the Wife of the Messenger of All āh adalah was a great entrepreneur, Siti Khadijah.<br />They are friends looking for wealth and have it as much as possible then after that they distribute their wealth through ZISWAF, it is obligatory and must for Muslims to seek /<br />have property for the benefit of the world and the hereafter and the interests of Muslims and provision in the hereafter Can be concluded that ownership of property in Islam it is very important because it is a means of sustaining life and as a place to find savings for ukhrawi life later, because indeed ownership of property in Islam is not only focused on worldly matters, but there are two elements that are always included, namely for worldly and spiritual interests It should be underlined in the ownership of the property that the principle must be instilled that this property has the absolute God Almighty, we are only temporarily entrusted, therefore it is not beautiful to not distribute the assets we have to people in need through ZISWAF instruments.</p> Lukman Hamdani Copyright (c) 2020 El-Mal: Jurnal Ekonomi, Keuangan & Bisnis Islam 2019-12-15 2019-12-15 1 2 115 129 10.47467/elmal.v1i2.11 Pengaruh Pergeraka Tingkat Suku Bunga dan Inflasi terhadap Nilai Aktiva Bersih Reksadana Saham http://ojs.journal.my.id/ojs/index.php/elmal/article/view/12 <p>This study aims at determining the influence of BI interest rate and inflation toward NAV balance mutual funds. This research was conducted during the period of data since 2008 to 2012. The sample used was the 30 balance mutual funds that are registered and active traded in Bapepam. From the results of the research literature conclude the basic assumptions that variable BI interest rate, and inflation levels affect the NAV of balance mutual funds. Hypothetical tested is that there is a significant influence among independent variables to dependent variables, both partial and simultaneous. Research was conducted with regression analysis using application of Eviews 6.0. The test results shows that thypothetical is supported by data. Variable index BI interest rate can influence a positive significant to NAV balance mutual funds amounted 2,152514; inflastion levels can influence a negative significant to NAV balance mutual funds amounted 0,730341; the independent variables BI rate (X1) and inflastion (X2) both partial and simultaneous can influence to NAV balance mutual funds at trust level 5%.</p> Evi Novita Anwar Rahim Handono Ishardyatmo Copyright (c) 2020 El-Mal: Jurnal Ekonomi, Keuangan & Bisnis Islam 2019-12-15 2019-12-15 1 2 130=143 130=143 10.47467/elmal.v1i2.12 Konsep Produksi Islami http://ojs.journal.my.id/ojs/index.php/elmal/article/view/8 <p>This study was to explain about the concept of production in Islamic perspective. This study was also purposed to give explanation about the Islamic concept of production. Production was thought to play important role in economic activities. It was impossible to do other economic activities such as consumption, distribution or trading without the production itself. In conventional term, production was limited as a process to make or create something, such as product, etc. It had placed profit over everything. On the other hand, in Islamic perspective, the production had been placed on the spirit of Islam itself. It contained fairness, benefit for either the producer or consumer. Shortly, it related to the principles of Islam. <br><br></p> Efrita Norman Copyright (c) 2020 El-Mal: Jurnal Ekonomi, Keuangan & Bisnis Islam 2020-10-28 2020-10-28 1 2 144 169 Pengaruh Bagi Hasil terhadap Jumlah Nasabah Deposito Mudharabah BPRS Amanah Ummah http://ojs.journal.my.id/ojs/index.php/elmal/article/view/9 <p>The principle of profit sharing in syaria'ah banking is the main and most important principle, because profit (profit sharing) is the reward (wages) for business and capital while Mudharabah deposits are time deposits with a Mudharabah agreement where the owner of the funds (shahibul maal) entrusts his funds by the bank to be managed or acts as a mudharib with profit sharing according to the agreed ratio from the start The purpose of this study is to analyze whether the nominal profit sharing has an effect on the number of Mudharabah deposit customers at BPR Syariah Amanah Umah period 2013–2015.<br />The sample in this study is BPR Syariah Amanah Ummah for the period 2013-2015. This type of research is a quantitative research with the methods of collecting interview data, documentation and observation. The data used in this study are secondary data obtained from published financial data and from interviews with BPRs. The analytical tool used is linear regression, then the data is processed using SPSS 21 to test classical assumptions and hypothesis testing. Results of analysis Based on the results of the t test above, it can be seen that the profit sharing of 12 months deposits and the presence of an office have a positive and significant effect in influencing the variable number of Mudharabah deposit customers and negatively affecting the profit sharing of 6 months deposits. Based on the results of the F statistical test above, it can be seen that all independent variables (6 months profit sharing, 12 months profit sharing and office presence) together have a significant effect on the number of deposit customers at BPR Syariah Amanah Ummah Based on the coefficient of determination (R² ) amounting to 0.557 which means the number of Mudharabah customers at BPR Syariah Amanah Ummah can be explained by independent variables of 55.7% and the remaining 45.3% is influenced by other variables outside of this research model.</p> Dedi Junaedi Kiki Z. Parhah Moh Romli Copyright (c) 2020 El-Mal: Jurnal Ekonomi, Keuangan & Bisnis Islam 2020-10-28 2020-10-28 1 2 179 193 Kajian Motif Pemilihan Skema Pembiayaan LKMA PUAP http://ojs.journal.my.id/ojs/index.php/elmal/article/view/10 <p><em>The objective of this research is to explore the motif election financing scheme Rural Agribusiness Development (PUAP), knowing what factors affect the performance PUAP, and test whether performance sharia PUAP different from conventional PUAP in Central Java in 2008-2011. The study was conducted in the District of Banjarnegara, Banyumas, Jepara, Kendal and Kendal during the period from July to December 2012 Using qualitative and quantitative methods with a dummy variable multiple regression approach, the manager LKMA PUAP 185 respondents of this study with purposive sampling approach. From about 2267 LKMA PUAP in Central Java, the majority (87.25%) chose to operate with conventional financing scheme and only 289 (12.75%) which apply sharia scheme or the principle of profit sharing (profit sharing). Research shows PUAP sharia been selected for the motive of religious considerations (40.6%), while the conventional PUAP been LKMA practical reasons (35.3%) and the economy (30.2%). In the perception of respondents, LKMA PUAP sharia is considered more appropriate to the creed, manifestations of worship, fields expectation of reward, blessing and benefit. PUAP LKMA conventionally considered more practical, safe, and familiar with the daily habits of members. Statistical analysis showed motif election financing scheme LKMA significantly affected by the financing scheme (Sharia), education level (Educate), and regional differences (Kab). Motif scheme selection is also different between the respondent and the respondent voters LKMA sharia conventional LKMA voters.</em></p> <p> </p> Dedi Junaedi Copyright (c) 2020 El-Mal: Jurnal Ekonomi, Keuangan & Bisnis Islam 2020-10-28 2020-10-28 1 2 194 218