Journal of School of Islamic Economics (STEI) SEBI (Sekolah Tinggi Ekonomi Islam)
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Peranan LEmbaga Keuangan Mikro Syariah Dalam Mendorong USaha Kaum Perempuan
No full textProgram pembiayaan mikro yang ditujukan untuk kaum perempuan, ataupun program pembiayaan mikro secara umum, yang diharapkan dunia menjadi kunci pengentasan kemiskinan, sesungguhnya masih menyimpan masalah. Namun demikian nyatanya, tidak dipungkiri sebagian besar usaha yang dikelola oleh kaum perempuan, dimana mayoritas berskala mikro, masih menjadikan faktor finansial atau modal usaha menjadi kendala utama. Dalam hal ini kehadiran Lembaga Keuangan Mikro Syariah (LKMS) sangat diperlukan, mengingat LKMS setidaknya memiliki keunggulan antara lain, tidak menerapkan sistem ribawi -yakni faktor utama atas kegagalan suatu sistem keuangan termasuk microfinance-, bersifat sosial bisnis, dapat menciptakan produk keuangan yang inovatif untuk keperluan usaha kaum perempuan dan juga faktor kedekatan wilayah LKMS dengan para nasabahnya. Dalam kajian ini juga disimpulkan bahwa LKMS harus dapat berperan sebagai pusat pembelajaran bagi nasabahnya, yakni dengan memberikan pendampingan, baik dalam hal administrasi keuangan usaha, maupun mensosialisasikan pemahaman tentang ekonomi Islam. Hal-hal tersebut merupakan kesatuan perangkat agar tujuan dari adanya pembiayaan mikro yang ditujukan kepada kaum perempuan tidak menyimpang, yaitu mewujudkan kemaslahatan.Kata kunci: Pembiayaan mikro, Usaha mikro, Perempuan, Peran LKMS, Kemaslahatan.AbstractMicrofinance programs aimed for women, or microfinance program in general, which is expected to be a key for the world poverty, actually still have problems. However, in reality, there is no doubt that most of the businesses run by women, which the majority are micro-scale, still make financial factors or venture capital is the main constraint. In this case the presence of Islamic Microfinance Institutions (LKMS) is necessary, given that LKMS at least have some advantages, among others financial institution such, do not apply the usury/interest system (which is the main factor for the failure of the financial system, including microfinance), has a social business characteristic, can create innovative financial products to women business purposes and also its proximity to the region LKMS customers. In this study also concluded that LKMS should be able to act as a center of learning for its customers, by providing assistance, both in terms of financial administration efforts, and disseminate an understanding of Islamic economics. Those things are a unity of devices, so that the purpose of the microfinancing aimed for women are not deviated, namely to realize the mashlahah.Keywords: Microfinance, Micro Business, Women, LKMS Role, Mashlahah
Effectiveness Of Zakat Collection In Optimizing The Potential Of Zakat In West Java Case Study Of West Java Baznas
No full textThis study aims to analyze the strategic effectiveness of Zakat collection carried out by West Java BAZNAS. In this study the author uses a qualitative approach, with data collection techniques that are descriptive analysis. The data used in this study were obtained from the results of observations at the place of research, direct interviews with related sources, and collection of documentation as data collection techniques in this study. The results and findings of this study indicate that the collection of zakat made has a decrease. Where there are internal factors of West Java BAZNAS that have not been optimal and public awareness in carrying out zakat is still low. This research is expected to be a reference for zakat institutions, academics, and the public about the need for support in collecting zakat
ANALISIS POTENSI TERJADINYA FINANCIAL DISTRESS PADA BANK UMUM SYARIAH (BUS) DI INDONESIA
No full textABSTRAK: Tujuan penelitian ini adalah untuk mengukur tingkat kesehatan bank dengan menggunakan metode RGEC. Faktor-faktor yang dinilai adalah Risk profile, GCG, earnings, dan capital. Data dalam penelitian ini adalah data sekunder yang diambil dari laporan tahunan tiga Bank Umum Syariah (BUS) pada tahun 2011 sampai 2013. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Hasil penelitian ini menunjukkan bahwa pada tahun 2011 hingga 2013 dari ketiga BUS tidak ada yang dinyatakan tidak sehat dan tidak berpotensi terjadinya high financial distress. Hasil Penelitian ini juga menunjukkan bahwa ketiga BUS tersebut mengalami penurunan dalam kinerja earning yang diukur dari rasio ROA dan ROE dan risiko likuiditas yaitu rasio FDR, akan tetapi penurunan kinerja tersebut tidak berpengaruh signifikan dan tidak menyebabkan masing-masing BUS mengalami potensi high financial distress.Kata kunci: Tingkat Kesehatan, Bank Umum Syariah, Metode RGEC, dan Financial Distress.ABSTRACT: This study aims to measure the soundness of Islamic banking using RGEC method. As RGEC method, factors used in this study are risk profile, good corporate government (GCG), earnings, and capital. The data used is secondary data which taken from annual report of three of Islamic bank from 2011 to 2013. This research used quantitative and descriptive approach to analyse the data. The result showed that the three Islamic banks are in a secure level of the soundness and has no potential of high financial distress. Moreover the result showed us that the three bank have decreased on earning performance which is measured by performance of ROA (Return on Asset) and ROE (Return on Equity) and liquidity risk is the ratio of FDR (Financing to Deposit Ratio), however the influence of it is not significant and each bank has not lead to high financial distress.Keywords: Level of Soundness, Islamic Banks, RGEC Method, and Financial Distress
POOL OF FUNDS APPROACH AND ASSET ALLOCATION APPROACH IN SHARIA'S PERSPECTIVE (A Literature Review)
No full textThe aim of this research is to explore the Islamic perspective on the conventional thought of funds banking allocation methods, they are asset allocation approach and pool of funds approach, which one of them is practiced in Islamic banking in Indonesia, it is pool of funds approach. Sharia instruments that used to explore Islamic perspective on those two conventional methods are the verses of Islamic values in transaction, they are doing amanah in muamalah as taught in An-Nisa 68, being identified the owned property as taught in Al-Baqarah 188, doing abetter notation in muamalah as taught in Al-Baqarah 283 and being fair in fulfilling weight and measure as taught in Hud 85. Other used sharia instruments are history of Prophet Muhammad pbuh and Caliph Umar bin Abdul Aziz and Fiqh special axiom in muamalah. This descriptive qualitative research with the method of content analysis data finds that the asset allocation approach is more agreeable method to all sharia instruments that used in this research.Keywords: Al-Qur’an, Tafser, Islamic Values in Muamalah, Islamic BankPrincipal, Bank Fund Allocation MethodsAbstrakPenilitian ini berujuan untuk mengetahui pandangan syariah terhadap metode alokasi dana bank yang berasal dari pemikiran konvensional, yaitu pool of funds approach dan asset allocation approach, dimana pool of funds approach dipraktikan di perbankan syariah Indonesia. Instrumen syariah yang digunakan dalam penelitian ini atau yang menjadi tolak ukur pandangan syariah terhadap kedua metode tersebut adalah nilai-nilai Islam dalam bermuamalah yang terkandung di dalam Al-Qur’an, yaitu berlaku amanah di dalam surat An-Nisa 58, jelasnya sumber kepemilikan harta didalam surat Al-Baqarah 188, melakukanpencatatan yang baik didalam muamalah dalam surat Al-Baqarah 283 dan berlaku adil dalam memenuhi takaran dan timbangan didalam surat Hud 85. Instrumen syariah lainnya yang digunakan adalah sejarah keuangan yang ada hubungannya dengan sistem pengalokasian dana pada zaman Nabi Muhammad Saw dan Khalifah Umar bin Abdul Aziz, serta Kaidah Khusus Fiqh di bidang muamalah. Penelitian dekriptif dengan pendekatan kualitatif dan content analysis sebagai alatanalisis data menunjukan bahwa metode asset allocation approach lebih sesuai dengan nilai-nilai syariah yang terdapat di dalam instrument-instrumen syariah yang menjadi tolak ukur di dalam penelitian ini
Menentukan Faktor-Faktor Yang Memiliki Hubungan Minat Mahasiswa STEI SEBI menabung di SEBI Islamic Bank
No full textSekolah Tinggi Ekonomi Islam (STEI) SEBI mendirikan sebuah lembaga keuangan syariah. Lembaga keuangan tersebut bernama SEBI ISLAMIC BANK (SIB). SIB berdiri atas dasar pemikiran akan pentingnya suatu lembaga intermediari finansial internal kampus STEI SEBI. Lembaga ini pada awalnya mempunyai maksud mempermudah arus keuangan sekaligus mengembangkan instuisi produktif para pengelola, staff dan mahasiswa STEI SEBI khususnya, serta masyarakat di lingkungan STEI SEBI pada umumnya.Seiring dengan bertambahnya jumlah mahasiswa STEI SEBI tiap tahunnya, tentu menjadi peluang bertambah pula jumlah nasabah SIB. Namun pada kenyataannya mahasiswa yang menabung di SIB masih sedikit.Penelitian ini bertujuan untuk mengetahui pengaruh minat mahasiswa STEI SEBI menabung di Sebi Islamic Bank (SIB). Sumber data dalam penelitian ini adalah data primer yang diperoleh melalu kuesioner dari sebagian mahasiswa angkatan 2008-2011.Teknik pengumpulan data dilakukan dengan survei. Data diperoleh dengan menggunakan kuesioner yang disebar kepada sebagian mahasiswa angkatan 2008- 2011 sebagai sampel baik itu program studi Perbankan Syariah maupun Akuntansi Syariah. Untuk menentukan jumlah sampel penulis menggunkan rumus Slovin, yang mana dari hasil rumus Slovin tersebut dapat diketahui jumlah sampel yang ditentukan sebesar 85 responden dari angkatan 2008-2011 yang berjumlah 535 mahasiswa. Pemilihan sampel dilakukan dengan metode random sampling. Teknik analisis data menggunakan pengujian melalui Uji Validitas dan Reliabilitas data, Chi-Square, serta analisis CHAID. Abstract Sekolah Tinggi Ekonomi Islam (STEI) SEBI has been establishing a shariah financial institutions. The institution namely SEBI ISLAMIC BANK (SIB). SIB has been establishing based on reasoning the urgency of financial intermediary institution internal campus STEI SEBI. Initially the institution had sole to facilitate cash flow both developing productiveness institution manager, staff and students STEI SEBI particularly and society at STEI SEBI generally.Along with increasing the number of students STEI SEBI every year, it would be good opportunity to increase a number of customer SIB. But the fact students who saved at SIB were still slightly.This research had goal to find out the influence students STEI SEBI who saved on Sebi Islamic Bank (SIB). Data sources in this research were primer data that had been obtainable by questioners from part of students 2008-2011.A technique to collect data has been done by survey. Data achieved by questioners that spread to part of students 2008-2009 as sample both majoring Islamic Banking and Islamic accounting. In order to determine number of samples, writer used Solvin’s formula where the result could be discovered the number of samples as 85 respondents from 2008-2011 which amounts 535 students. Determining of samples had been done by sampling random method. Data analysis technique used examination through validation and reliability data, Chi-Square , and CHAID analysis.Keywords : Islamic Microfinance, CHAID Metho
Faktor-Faktor Yang Mempengaruhi Pembiayaan Pada Bank Umum Syariah Devisa Di Indonesia
No full textABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh variabel Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Terhadap Pembiayaan Pada Bank Umum Syariah Devisa di Indonesia. Data yang digunakan dalam penelitian ini adalah data Triwulan dari Maret 2011 sampai Desember 2015. Teknik sampling yang digunakan dalam penelitian ini adalah purposive sampling dengan menggunakan alat analisis regresi linier berganda menggunakan program SPSSversi 20 dan Microsoft Excel 2016. Hasil penelitian menunjukkan secara parsial bahwa Return on Asset (ROA), Performing Financing (NPF) dan Inflasi tidak berpengaruh signifikan terhadap Pembiayaan. Sedangkan Dana Pihak Ketiga (DPK) dan Financing to Deposit Ratio (FDR) berpengaruh signifikan terhadap Pembiayaan. Hasil lainnya menunjukkan nilai Adjusted R Square sebesar 91,3% yang berarti secara simultan menunjukkan bahwa Jumlah Pembiayaan pada Bank Umum Syariah Devisa dipengaruhi oleh Dana Pihak Ketiga (DPK), Financing toDeposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) dan Inflasi Sedangkan sisanya sebesar 8,7% dipengaruhi oleh variabel lain di luar model.Kata kunci: Pembiayaan, Dana Pihak Ketiga (DPK), Financing to DepositRatio (FDR), Return On Asset (ROA), Non PerformingFinancing (NPF) dan InflasiABSTRACT. This research aim to analyze the effect of the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation against the total of fund at Syariah Banking foreign exchange in Indonesian. The data for assessing this research are acquired quarterly data from March 2011 to December 2015. Technical sampling used in this research is purposive sampling and used multiple linier regression method. Data processing in this research uses SPSS software 20.0 and Microsoft Excel 2016. The results of theanalysis indicated that partially, Return on Asset(ROA), Non Performing Financing (NPF) and Inflation has no significant affect to funds. The third-party funds and Financing to Deposit Ratio (FDR) are significant to funds.The amount of the adjust Rsquare is 91,3%. Simultaneously the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflation have significant affect. While the remaining amount of 8,7% influenced by other factorsthat are not included in the study variables.Keywords: The Total of fund, the third-party funds, Financing to Deposit Ratio (FDR), Return on Asset (ROA), Non Performing Financing (NPF) and Inflatio
Karakteristik, Profitabilitas dan Perataan Laba Pada Perusahaan Yang Terdaftar di Jakarta Islamic Index
No full textThis study aims to determine the effect of company size, company age, and profitability on income smoothing. This research was conducted at companies listed on the Jakarta Islamic Index (JII) in 2014 - 2018. Data were analyzed using multiple regression. This study found that company size and company age have a significant positive effect on income smoothing measures. Profitability has a significant negative effect on income smoothing action. Income smoothing can be predicted at 64.4% by company characteristics and profitability.Penelitian ini bertujuan untuk mengetahui pengaruh ukuran perusahaan, umur perusahaan, dan profitabilitas terhadap perataan laba. Penelitian ini dilakukan pada perusahaan yang terdaftar pada Jakarta Islamic Index (JII) tahun 2014 – 2018. Data dianalisis menggunakan regresi berganda. Penelitian ini menemukan bahwa ukuran perusahaan dan umur perusahaan berpengaruh positif signifikan terhadap tindakan perataan laba. Profitabilitas berpengaruh negatif signifikan terhadap tindakan perataan laba. Perataan laba dapat diprediksi sebesar 64,4% oleh karakteristik perusahaan dan profitabilitas
THE EFFECT OF MUDHARABAH FINANCING ON THE PROFITABILITY OF ROA AND ROE OF SHARIA RURAL BANKS (BPRS) IN INDONESIA 2017-2018
No full textThe purpose of this research is to analyze The Influence of Mudharabah Financing as the dependent variable (X) To The Return On Asset (ROA) as independent variables (Y1) and Return On Equity (ROE) as independent variables (Y2), of The Sharia Rural Banking (BPRS) in Indonesia in 2017-2018. This analysis used 106 BPRS that are made as a sample. The data sources used are secondary data sources from reports on financial publications of each Syariah Rural Banking at the OJK. This type of research is quantitative with Cross Section data method. The analysis technique used is the Eviews 10 for students. The results of this study indicate that Mudharabah Financing has no significant effect on the Ratio On Asset with a regression coefficient and a significance level of 0,16more than 0.05. While Mudharabah Financing has no significant effect with the regression coefficient of 0,16 with a significance level 0,00 less than 0.05
Efisiensi Bank Umum Syariah Di Indonesia Dengan Pendekatan Three Stages Frontier Analysis
No full textEfficiency is one of the parameters to measure the performance of the banking industry. This paper is using three stages to find out how the conditions of efficiency level of Islamic banking. Frontier and Stochastic Frontier Approaches are used to calculate the efficiency level and then averaged. Last, the determinants of efficiency were conducted by the Tobit Model. The data are 7 Sharia Commercial Banks during the period 2010 to 2017 which are chosen by purposive sampling. The study found the average efficiency level is 83.51% and is classified as less efficient. The Tobit model showed that all of the variables have not significant effect on efficiency level Islamic banking, except the ROA.Efisiensi merupakan salah satu parameter untuk mengukur kinerja industri perbankan. Makalah ini menggunakan tiga tahapan untuk mengetahui bagaimana kondisi tingkat efisiensi perbankan syariah. Pendekatan Frontier dan Stochastic Frontier digunakan untuk menghitung tingkat efisiensi dan kemudian dirata-ratakan. Terakhir, determinan efisiensi dilakukan dengan Model Tobit. Data yang diperoleh adalah 7 Bank Umum Syariah selama periode 2010-2017 yang dipilih secara purposive sampling. Hasil penelitian menemukan tingkat efisiensi rata-rata 83,51% dan tergolong kurang efisien. Model Tobit menunjukkan bahwa semua variabel berpengaruh tidak signifikan terhadap tingkat efisiensi perbankan syariah, kecuali ROA
THE EFFECT OF THE PERCEPTION OF ELECTRONIC MONEY ON CONSUMPTIVE BEHAVIOR OF STEI SEBI STUDENTS
No full textIn the era of industrial revolution 4.0, technological developments made changes in the lifestyle of the modern generation. The purpose of this study was to analyze the perception of the use of electronic money, whether it supports the consumptive research of STEI SEBI students. The electronic money acceptance model in this study uses the Technology Acceptance Model (TAM), and the indicators used to measure the consumptive level of STEI SEBI students are indicators of consumptive behavior. The research used descriptive-quantitative. The data used are primary data sent from questionnaires distributed to STEI SEBI students. The method of analysis in this study uses a simple regression analysis. The results of this study indicate that electronic money has a positive and significant influence on the consumptive students of STEI SEBI, users using high electronic money than making consumptive STEI SEBI students will also increase