Journal of School of Islamic Economics (STEI) SEBI (Sekolah Tinggi Ekonomi Islam)
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Tinjauan Fikih Terhadap Praktik Layanan Kesehatan Dengan Sistem Penukaran Sampah Daur Ulang
No full textPenelitian ini bertujuan untuk menganalisa praktik penukaran sampah dengan layanan kesehatan pada Rumah Sehat Salam Aid dalam perspektif fikih muamalah. Metode penilitian kualitatif menggunakan metode field research dengan melakukan perbandingan antara implementasi lapangan dan kesesuaian dalam syari’ah. Hasil dari penelitian ini menunjukkan bahwa Praktik Tranaskasi Layanan Kesehatan dengan sistem Pembayaran Sampah di Rumah Sehat Salam Aid Kota Bogor tersebut menukarkan sampah daur ulang dengan layanan kesehatan. Ditinjau pada perspektif fikih muamalah, transaksi layanan kesehatan dengan sistem pembayaran sampah daur ulang yang dilakukan oleh Rumah Sehat Salam Aid apabila didasari kerelaan, suka sama suka, rela antara pihak salam aid dan pasien maka tidak ada masalah, hal ini diperbolehkan.This thesis discusses the Practice of Health Service Transactions with the Garbage Payment System at Salam Aid Healthy Homes, Bogor City: A Muamalah Fiqh Perspective. This study aims to analyze the practice of exchanging waste with health services at Salam Aid Healthy Homes from the perspective of muamalah fiqh. The results of this study indicate that the Practice of Transacting Health Services with the Garbage Payment system at Rumah Sehat Salam Aid, Bogor City, exchanges recycled waste for health services. Judging from the perspective of muamalah fiqh, health service transactions with the recycling waste payment system carried out by Rumah Sehat Salam Aid if it is based on willingness, like and like, willing between the parties of salam aid and the patient then there is no problem, this is permissible
Islamic & Conventional Mutual Funds Performance by Return and Risk Adjusted Performance
No full textThis study compares the performance of Islamic and conventional mutual funds from 2017 to 2021 with the aim of analyzing the differences. This study makes use of secondary data from the Otoritas Jasa Keuangan (OJK) for 5 years that were downloaded from the OJK's official website (OJK). Purposive sampling is used in this study sampling method. The Mann-Whitney U Test is the analysis technique employed. According to the study's findings, there are no appreciable differences between mutual fund risk and market risk for Islamic mutual funds in terms of beta, return, and Sharpe. While there are variances between the Treynor, Jensen Alpha, M2 Measurement, and Appraisal Ratio techniques. Penelitian ini membandingkan kinerja reksa dana syariah dan konvensional dari tahun 2017 sampai dengan 2021 dengan tujuan untuk menganalisis perbedaannya. Penelitian ini memanfaatkan data sekunder dari Otoritas Jasa Keuangan (OJK) selama 5 tahun yang diunduh dari website resmi OJK. Purposive sampling digunakan dalam metode pengambilan sampel penelitian ini. Mann-Whitney U Test adalah teknik analisis yang digunakan. Menurut temuan penelitian, tidak ada perbedaan yang cukup berarti antara risiko reksa dana dan risiko pasar untuk reksa dana syariah dalam hal beta, return, dan Sharpe. Sedangkan terdapat perbedaan yang bervariasi antara teknik Treynor, Jensen Alpha, M2 Measurement, dan Appraisal Ratio
Implementasi Fatwa DSN MUI No.04/DSN-MUI/2000 Tentang Murabahah Pada LKS: Sebuah Studi Literatur
No full textThis study aims to determine the extent to which LKS implements DSN MUI Fatwa No: 04/DSN-MUI/2000 regarding Murobahah Contracts kafah in carrying out all kinds of business activities. The method used in this research process is the literature review method. This study used a qualitative approach to 17 journal articles that researchers obtained as secondary data on the Google Scholar platform. Researchers also obtained the data put forward by previous researchers reaching 80-95% which indicates that murabahah financing has a higher profit level for Islamic Financial Institutions. In addition to these findings, based on the journals that have been researched, the authors found that there are still Islamic Financial Institutions that do not fully comply with the provisions stipulated in the DSN-MUI Fatwa, there is a potential for hilah ribawiyah in transaction practices by camouflaging it using a wakalah contract. This study finds that the role of DPS in supervising Islamic Financial Institutions is not optimal from all existing elements. This study advises to those who work as DPS to fully pay attention to all actions taken by LKS so as not to deviate from Sharia principles. Penelitian ini bertujuan untuk mengetahui sejauh mana LKS mengimplementasikan Fatwa DSN MUI No: 04/DSN-MUI/2000 Tentang Akad Murobahah secara kafah dalam menjalankan segala sejenis aktifitas usahanya. Adapun metode yang digunakan dalam proses penelitian ini yaitu metode literature review. Penelitian ini menggunakan pendekatan kualitatif terhadap 17artikel jurnal yang peneliti dapatkan sebagai data sekunder pada platform google scholar. Peneliti juga mendapatkan data yang dikemukakan oleh Peneliti sebelumnya mencapai 80-95% yang menunjukkan bahwa pembiayaan murobahah tersebut mempunyai tingkat keuntungan yang lebih tinggi bagi Lembaga Keuangan Syariah. Selain penemuan tersebut, Berdasarkan jurnal yang telah diteliti, penulis menemukan bahwa masih terdapat Lembaga Keuangan Syariah yang tidak sepenuhnya mematuhi ketentuan-ketentuan yang sudah diatur dalam Fatwa DSN-MUI, adanya potensi hilah ribawiyah dalam praktek transaksi dengan mengkamuflasekannya menggunakan akad wakalah. Penelitian ini juga menjelaskan bahwa kurang maksimalnya peran DPS dalam mengawasi Lembaga Keuagan Syariah dari seluruh elemen yang ada. Penelitian ini menyarankan kepada bagi yang berprofesi sebagai DPS agar sepenuhnya memperhatikan segala tindakan yang dilakukan oleh LKS agar tidak keluar dari prinsip-prinsip Syariah
Implementation of Green Banking Policy at Indonesian Islamic Banks
No full textTherefore, this study aims to determine the effect of knowledge and policies on the implementation of green banking at Bank Syariah Indonesia (BSI) Branch Offices (KC) Semarang. This research uses a quantitative research type with purposive sampling using a census technique. Researchers distributed a questionnaire (questionnaire) to collect data. This research method is a quantitative method. This research utilizes quantitative methods as a method for analyzing research questions. This study obtains primary data by interacting directly in the field and the results of distributing questionnaires to samples that will be distributed to respondents from Bank BSI employees. This questionnaire tool can be estimated using a Likert scale. Regression analysis method is a method of statistical science that shows the relationship or causal relationship between two or more variables. To prove the hypothesis in this study, researchers used statistical tests supported by econometric tests using the Simultaneous Test (F Test), Partial Test (T Test), and Coefficient of Determination Test (R²). The results showed that knowledge have no significant effect on the application of green banking. This is indicated by the t value of 0.973 with a significance value of 0.334. Meanwhile, the policy has a positive and significant effect on the implementation of green banking
The Influence of Firm Size, Share Sales, and Inflation on Stock Prices in Companies Registered on The Jakarta Islamic Index
No full textShare price fluctuations can be analyzed through factors that can influence them, such as internal and external factors that can influence the company's share price. This research aims to analyze the influence of firm size, share sales, and inflation on share prices in companies listed on the Jakarta Islamic Index. This research was carried out by observing 10 companies registered on the Jakarta Islamic Index (JII), namely PT Adaro Energy Tbk, PT AKR Corporindo Tbk, PT Indofood CBP Sukses Makmur Tbk, PT Indo Tambangraya Megah Tbk, PT Kalbe Farma Tbk, PT Telkom Indonesia Tbk, PT Perusahaan Gas Negara Tbk, PT Bukit Asam Tbk, PT United Tractors Tbk, PT Unilever Indonesia Tbk. With a 10-year observation period, namely 2012-2021 using quarterly data. This research uses a panel data regression analysis method and is processed using the Eviews 12 application. The results of this research show that partially firm size has a positive and insignificant effect on stock prices, while share sales and inflation have a negative and significant effect on stock prices
Studi Literatur implementasi fatwa DSN MUI No.73 tentang Musyarakah Mutanaqishah
No full textThe purpose of this study is to find out how the implementation of the musyarakah mutanaqishah contract on mortgage financing (KPR) in Indonesia. The research method used is a qualitative method using a literature review. The source of this research is in the form of journals obtained from Google Scholar with topics around the implementation of the Musyarakah Mutanaqishah contract on mortgage financing. This study uses descriptive statistical analysis based on 16 published articles related to the implementation of the musyarakah mutanaqishah contract published by Google Scholar. All sample journal publications have been published for eight years from 2015 to 2022. The results showed that there were 3 articles which stated that the MMQ contract had not been implemented according to the fatwa, there were 8 articles whose implementation was according to the fatwa and there were 5 articles which still had many deficiencies related to the implementation of the MMQ contract. . Furthermore, the most articles published were in 2018 (31%) and the fewest were in 2015 and 2022 (6%). Tujuan dari penelitian ini untuk mengetahui bagaimana implementasi akad musyarakah mutanaqishah pada pembiayaan kredit kepemilikan rumah (KPR) di Indonesia. Metode penelitian yang digunakan adalah metode kualitatif dengan menggunakan literatur review. Sumber penelitian ini berupa jurnal yang didapatkan dari google scholar dengan topik seputar implementasi akad Musyarakah Mutanaqishah pada pembiayaan KPR. Studi ini menggunakan analisis statistik deskriptif berdasarkan 16 artikel publikasi terkait dengan implementasi akad musyarakah mutanaqishah yang di publikasi google scholar. Seluruh publikasi jurnal sampel telah diterbitkan selama delapan tahun mulai 2015 hingga 2022. Hasil penelitian menunjukan bahwa ada 3 artikel yang menyebutkan akad MMQ belum diimplementasikan sesuai fatwa, ada 8 artikel yang pengimplementasiannya sesuai fatwa dan ada 5 artikel yang masih memiliki banyak kekurangan terkait pengimplentasian akad MMQ . Selanjutnya paling banyak artikel diterbitkan pada tahun 2018 (31%) dan paling sedikit yaitu tahun 2015 dan 2022 (6%)
Analisis Fikih Muamalah Terhadap Sistem Bagi Hasil Oleh Petani Udang
No full textPenelitian ini bertujuan untuk mengetahui praktik dan tinjauan fikih muamalah terhadap sistem bagi hasil yang terjadi di Desa Bandar Negeri. Pada daerah ini berpotensi besar dalam kegiatan usaha perikanan khususnya tambak udang, melihat hal ini kerjasama sesuai dengan sistem syariah menjadi hal yang dibutuhkan oleh masyarakat yang mayoritas beragama muslim. Dimana pada praktiknya terdapat beberapa hal yang menjadi pertimbangan hukum dalam perjanjian bagi hasil ini. Metode penelitian ini menggunakan metode deskriptif kualitatif dengan menggunakan data primer dan sekunder. Teknik pengumpulan data menggunakan metode observasi, wawancara, dan dokumentasi. Data diolah dengan tiga tahap, yaitu reduksi, penyajian, dan verifikasi data. Berdasarkan hasil penelitian yang dilakukan yaitu praktik perjanjian kerjasama di Desa Bandar Negeri termasuk ke dalam akad mudharabah dalam pandangan fikih muamalah. Kesesuaian fikih muamalah terhadap akad mudharabah yang berada di Desa Bandar Negeri ditinjau dari rukun dan syarat sudah terpenuhi maka akad mudharabah yang terjadi di Desa Bandar Negeri sah menurut pandangan fikih muamalah This study aims to determine the practice and review of muamalah fiqh on profit sharing systems that occur in Bandar Negeri Village. This area has great potential in fishing business activities, especially shrimp ponds. Seeing this, cooperation in accordance with the sharia system is something that is needed by people who are predominantly Muslim. Where in practice there are several things that become legal considerations in this production sharing agreement. This research method uses a qualitative descriptive method using primary and secondary data. Data collection techniques using observation, interviews, and documentation. Data is processed in three stages, namely reduction, presentation, and data verification. Based on the results of the research conducted, namely the practice of cooperation agreements in Bandar Negeri Village is included in the mudharabah contract in the view of muamalah fiqh. The suitability of the muamalah fiqh for the mudharabah contract in Bandar Negeri Village in terms of the pillars and conditions that have been fulfilled means that the mudharabah contract that took place in Bandar Negeri Village is valid according to the muamalah fiqh view
The Effect of Halal Certificate, Food Quality and Price on Consumers’ Decision in Buying Aqeeqah Products
No full textThe purpose of this study is to analyze the effect of halal certificates, food quality, and price on purchasing decisions. The research method is quantitative. The data are collected using a questionnaire. The dependent variable is the purchase decision and the independent variable is the halal certificate, food quality, and price on the purchase decision of Aqeeqah products in Tangerang Regency. The data analysis method used is multiple linear regression. This study shows that halal certificates have no significant effect on purchasing decisions for Aqeeqah products in Tangerang District, while food quality and price have a significant effect on purchasing decisions for Aqeeqah products in Tangerang District. The results of the research from the simultaneous test of halal certificate variables, food quality, and price have a significant effect on purchasing decisions. This shows that people living in Tangerang Regency prioritize food quality and price rather than the legality of halal certificates when buying Aqeeqah products
The Measurement Of Good Corporate Governance In Islamic Banking And Its Effect On Financial Performance (Empirical Study Of Islamic Commercial Banks In Indonesia)
No full textThis research aims to measure the quality of Good Corporate Governance (GCG) in Islamic Banking and examine its effect on financial performance. The independent variables examined include GCG Index, Board of Commissioner (BOC), Audit Committee (AC), Sharia Supervisory Board (SSB), Gender Diversity of BOC and SSB. The dependent variable includes financial performance determined by Return on Assets (ROA). This research uses samples of 11 Islamic Commercial Banks period of 2015-2019. They were selected using judgement sampling method. The data analysis method used panel data regression analysis with Fixed Effect estimation model. The result revealed that the GCG quality of Islamic Commercial Banks in Indonesia adheres to 90% of the indicator used in the GCG Index. Despite that, the GCG Index found no significant effect on financial performance. Moreover, the Good Corporate Governance implication in Board of Commissioner, Audit Committee, Sharia Supervisory Board and Gender Diversity also found no significant effect on Islamic banking’s financial performance. Penelitian ini bertujuan untuk mengukur kualitas tata kelola bank syariah dan menguji dampaknya terhadap kinerja keuangannya. Variabel bebas menggunakan proksi dari indeks tata kelola, dewan komisioner, komite audit, dewan pengawas syariah, jender dewan direksi. Kinerja keuangan diukur dengan rasio ROA. Riset ini menggunakan 11 sampel bank syariah untuk periode 2015-2019. Sampel dipilih dengan pendekatan sampling judgement. Data dianalisis dengan regresi data panel dengan Fixed Effect sebagai model terpilihnya. Temuan riset menjelaskan bahwa tata kelola bank syariah sampel mencapai indeks sebesar 90%, namun tata kelola tersebut tidak berpengaruh signifikan atas kinerja bank syariah
The Influence of Social Marketing Campaign on Community Decisions to Pay Zakat at BAZNAS Through the Kitabisa.com Fintech Platform
No full textThis study aims to: (1) test the effect of creating awareness and attraction (X1), changing attitudes and conditions (X2), motivating people to change behavior (X3), empowering people to act (X4) to pay zakat decisions (Y). This study uses an explanatory method. Data was obtained by distributing questionnaires online to 101 respondents who had paid zakat on BAZNAS through the fintech platform Kitabisa.com. The sampling technique used in this study was purposive sampling. The research method used is quantitative associative research and the data analysis tool used is Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach. The results of this study indicate that creating awareness and attraction (X1) and empowering people to act (X4) significantly influence the decision to pay zakat (Y), while changing attitudes and conditions (X2) and motivating people to change behavior (X3) has no significant effect on decision to pay zakat (Y). Based on the test of the coefficient of determination obtained the value of R square 59.2% and the remaining 40.8% is influenced by other exogenous variables outside the model studied. So, for the next researcher is expected to conduct research by using exogenous variables outside the research conducted by the researcher