Abstrak Artikel ini dimaksudkan untuk menganalisis tentang persoalan mekanisme pasar, harga dan p... more Abstrak Artikel ini dimaksudkan untuk menganalisis tentang persoalan mekanisme pasar, harga dan peranan negara dalam hal penetapan harga. Berbeda dengan konvensional,konsep Ekonomi Islam menegaskan bahwa mekanisme pasar dan penetapan harga perlu dilakukan dalam upaya untuk menegakkan keseimbangan pasar dan keadilan ekonomi dengan mempertimbangkan kepentingan para pihak yang terlibat di pasar. Harga wajar dan adil (fair price) adalah harga yang diperoleh berdasarkan kekuatan penawaran (supply) dan permintaan (demand). Akan tetapi, manakala terjadi tindakan-tindakan yang bersifat dzulm sehingga terjadi distorsi pasar atau harga tidak berada pada titik keseimbangannya maka pemerintah sangat berperan untuk mengambil kebijakan berupa penetapan harga dengan melihat faktor-faktor penyebab terjadinya distorsi tersebut dan mengembalikan harga pada titik keseimbangannya semula. Kata Kunci: mekanisme pasar, penetapan harga, harga adil, distorsi pasar, kebijakan pemerintah.
This study focuses on evaluating the performances of three sharia microfinance models; cooperativ... more This study focuses on evaluating the performances of three sharia microfinance models; cooperative model represented by BMT al Fath, Grameen model represented by MBK, Ltd.co, and mixed model represented by Baytul Amanah Ikhtiar cooperative. In general, all those models apply sharia transaction principles as well as other sharia universal values. In specific, they differ in terms of legals, ownership, products, financing segmentation, and collateral. ANP approach is used to evaluate the performances of those models from five important aspects (clusters) as the determiners, i.e. human resource, finance, management, sharia compliance, and marketing. Each cluster has several important elements or nodes to be analyzed to find out the geometric mean which indicates the rater agreement contributed by respondents from their responses toward the problems found in the clusters so that the users can easily decide the best alternative strategy among the three sharia microfinance models available in Indonesia. The rater agreement is shown by the score of Kendall's coefficient of concordance symbolized by letter W. The findings of this research show that the most important aspect (priority) among the clusters is human resource, and that the best strategy is the mixed-based; the model which integrates the cooperative system with grameen system. It becomes the best model inasmuch as it implements values of both co ownership and co responsibility, in addition to power of collectivity resulting in no cash collateral.
The main problem in developing the Islamic economic and finance system in Indonesia is that there... more The main problem in developing the Islamic economic and finance system in Indonesia is that there is still a gap between the demand of industries and the supply of the Universities from the quantity and quality of the Human Resources with Islamic economic and finance background. This study aims to analyze the potencies and roles of Universities both Islamic Higher Education (PTA) and Public Higher Education (PTU) in providing human resources through Islamic economic and finance learning development that accommodates the competencies of industries demand. The methods used in this study are the path analysis used to explain the relation between the perception of academicians and practitioners, and the content analysis used to deeply learn the curriculum of Islamic economic and finance subject in many universities in Indonesia. Based on the Path analysis, it is found that there is a significant relationship between the academicians' perception on the curriculum and learning model, and practitioners' perception on human resource competencies for industries. In addition, the Paired T Test proves that there is no profile difference between the graduates of PTA and PTU; both have equal opportunities to meet the human resource demand of industries. Meanwhile, based on the content analysis toward the curriculum of Islamic economics and finance, which is also supported by or confirmed through in depth interview with some related stakeholders, it is found that the different learning system results in different competencies; from the curriculum standards, inconsistent usage of term Islamic or syariah toward the subject and department, until the management of the academic structure. Unfortunately, among the graduates with various types of competencies, only a few matches the industries demand of human resources.
Pertumbuhan industri perbankan dan keuangan syariah telah mendorong kalangan akademisi dan komuni... more Pertumbuhan industri perbankan dan keuangan syariah telah mendorong kalangan akademisi dan komunitas akademik untuk mengkaji, meneliti, menulis dan mempublikasikan pemikiran mereka dalam berbagai bentuk karya ilmiah. Beberapa karya ilmiah berupa artikel tentang ekonomi Islam, perbankan dan keuangan Islam telah dipublikasikan pada berbagai jurnal terstandar internasional, mereka diantaranya yaitu: M.A. Choudhury (7 artikel), H. Askari (6 artikel), S.M. Ghazanfar (6 artikel), T. Kuran (6 artikel), H. Houdhfar (5 artikel), H. Aydin (3 artikel), R. Wilson (3 artikel), A. Zaman (3 artikel), R. Kamla (2 artikel), Kassimi (2 artikel) dan M.U. Chapra (2 artikel). Studi ini merupakan kelanjutan dan melengkapi penelitian terdahulu yang masih bersifat parsial, normatif dan belum mengakomodasi tulisan terkini setidaknya dalam kurun waktu 10 tahun terakhir. Penelitian berupa pemetaan literatur dari berbagai referensi berupa buku maupun tulisan yang dipublikasikan di jurnal terstandar internasional dan dapat diakses secara online. Untuk itu pemetaan ini dilakukan dengan menggunakan beberapa sumber penyimpanan data daring (online). Untuk penelusuran wacana berbasis buku, penulis mengandalkan Google Book dan Google Schoolar. Sementara untuk penelusuran tulisan jurnal lebih lanjut, penulis menggunakan pusat data jurnal daring dari Scopus, J-Stor, dan Libgen.
Abstrak Artikel ini dimaksudkan untuk menganalisis tentang persoalan mekanisme pasar, harga dan p... more Abstrak Artikel ini dimaksudkan untuk menganalisis tentang persoalan mekanisme pasar, harga dan peranan negara dalam hal penetapan harga. Berbeda dengan konvensional,konsep Ekonomi Islam menegaskan bahwa mekanisme pasar dan penetapan harga perlu dilakukan dalam upaya untuk menegakkan keseimbangan pasar dan keadilan ekonomi dengan mempertimbangkan kepentingan para pihak yang terlibat di pasar. Harga wajar dan adil (fair price) adalah harga yang diperoleh berdasarkan kekuatan penawaran (supply) dan permintaan (demand). Akan tetapi, manakala terjadi tindakan-tindakan yang bersifat dzulm sehingga terjadi distorsi pasar atau harga tidak berada pada titik keseimbangannya maka pemerintah sangat berperan untuk mengambil kebijakan berupa penetapan harga dengan melihat faktor-faktor penyebab terjadinya distorsi tersebut dan mengembalikan harga pada titik keseimbangannya semula. Kata Kunci: mekanisme pasar, penetapan harga, harga adil, distorsi pasar, kebijakan pemerintah.
This study focuses on evaluating the performances of three sharia microfinance models; cooperativ... more This study focuses on evaluating the performances of three sharia microfinance models; cooperative model represented by BMT al Fath, Grameen model represented by MBK, Ltd.co, and mixed model represented by Baytul Amanah Ikhtiar cooperative. In general, all those models apply sharia transaction principles as well as other sharia universal values. In specific, they differ in terms of legals, ownership, products, financing segmentation, and collateral. ANP approach is used to evaluate the performances of those models from five important aspects (clusters) as the determiners, i.e. human resource, finance, management, sharia compliance, and marketing. Each cluster has several important elements or nodes to be analyzed to find out the geometric mean which indicates the rater agreement contributed by respondents from their responses toward the problems found in the clusters so that the users can easily decide the best alternative strategy among the three sharia microfinance models available in Indonesia. The rater agreement is shown by the score of Kendall's coefficient of concordance symbolized by letter W. The findings of this research show that the most important aspect (priority) among the clusters is human resource, and that the best strategy is the mixed-based; the model which integrates the cooperative system with grameen system. It becomes the best model inasmuch as it implements values of both co ownership and co responsibility, in addition to power of collectivity resulting in no cash collateral.
The main problem in developing the Islamic economic and finance system in Indonesia is that there... more The main problem in developing the Islamic economic and finance system in Indonesia is that there is still a gap between the demand of industries and the supply of the Universities from the quantity and quality of the Human Resources with Islamic economic and finance background. This study aims to analyze the potencies and roles of Universities both Islamic Higher Education (PTA) and Public Higher Education (PTU) in providing human resources through Islamic economic and finance learning development that accommodates the competencies of industries demand. The methods used in this study are the path analysis used to explain the relation between the perception of academicians and practitioners, and the content analysis used to deeply learn the curriculum of Islamic economic and finance subject in many universities in Indonesia. Based on the Path analysis, it is found that there is a significant relationship between the academicians' perception on the curriculum and learning model, and practitioners' perception on human resource competencies for industries. In addition, the Paired T Test proves that there is no profile difference between the graduates of PTA and PTU; both have equal opportunities to meet the human resource demand of industries. Meanwhile, based on the content analysis toward the curriculum of Islamic economics and finance, which is also supported by or confirmed through in depth interview with some related stakeholders, it is found that the different learning system results in different competencies; from the curriculum standards, inconsistent usage of term Islamic or syariah toward the subject and department, until the management of the academic structure. Unfortunately, among the graduates with various types of competencies, only a few matches the industries demand of human resources.
Pertumbuhan industri perbankan dan keuangan syariah telah mendorong kalangan akademisi dan komuni... more Pertumbuhan industri perbankan dan keuangan syariah telah mendorong kalangan akademisi dan komunitas akademik untuk mengkaji, meneliti, menulis dan mempublikasikan pemikiran mereka dalam berbagai bentuk karya ilmiah. Beberapa karya ilmiah berupa artikel tentang ekonomi Islam, perbankan dan keuangan Islam telah dipublikasikan pada berbagai jurnal terstandar internasional, mereka diantaranya yaitu: M.A. Choudhury (7 artikel), H. Askari (6 artikel), S.M. Ghazanfar (6 artikel), T. Kuran (6 artikel), H. Houdhfar (5 artikel), H. Aydin (3 artikel), R. Wilson (3 artikel), A. Zaman (3 artikel), R. Kamla (2 artikel), Kassimi (2 artikel) dan M.U. Chapra (2 artikel). Studi ini merupakan kelanjutan dan melengkapi penelitian terdahulu yang masih bersifat parsial, normatif dan belum mengakomodasi tulisan terkini setidaknya dalam kurun waktu 10 tahun terakhir. Penelitian berupa pemetaan literatur dari berbagai referensi berupa buku maupun tulisan yang dipublikasikan di jurnal terstandar internasional dan dapat diakses secara online. Untuk itu pemetaan ini dilakukan dengan menggunakan beberapa sumber penyimpanan data daring (online). Untuk penelusuran wacana berbasis buku, penulis mengandalkan Google Book dan Google Schoolar. Sementara untuk penelusuran tulisan jurnal lebih lanjut, penulis menggunakan pusat data jurnal daring dari Scopus, J-Stor, dan Libgen.
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