Journal of School of Islamic Economics (STEI) SEBI (Sekolah Tinggi Ekonomi Islam)
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Penerapan Manajemen Mutu Dalam Meningkatkan Kinerja Keuangan Bni Syariah Periode 2010 – 2017
Get PDFThe aims of this reasearch is to know the impact implimentation of quality management to increase BNI Syariah financial performance. The methods used to measure financial performance in this study is to compare BNI Syariah financial ratios (capital adequacy ratio, rentability ratio, and liquidity ratio). As for the collection methode in this research is used interview and BNI Syariah annual report periode 2010 untill 2017. The result of this study is quality management applied to BNI Syariah has positive impact on the capital adequacy ratio and profability, especially ROA and ROE. As for the implementation of the management quality applied BNI Syariah in accordance with the principles TQM that proclaimed by ISO, namely the customer focus, leadership, enggagement of people, processing approach, improvement, evidence based decision making, and relationship management
Pola Rescheduling Pada Pembiayaan Bermasalah Berakad Murabahah Di Bank Syariah
Get PDFThis study aims to examine further related to problem financing, especially in murabahah financing. The research method used is a qualitative approach with descriptive analysis. The results of this study are, the rescheduling process undertaken by Islamic banks is to extend the term of financing and installment, with customer’s critera: decreased ability to pay, has a good business prospect, able to fulfill obligations after rescheduling. Second, Islamic bank must apply the provisions of the Fatwa DSN MUI that should not add to the remaining amount of bills, charging the cost in the rescheduling process is the real cost, and the extension of time payer must based on the agreement of both parties. Third, in the case of problem financing in effect after rescheduling is done, then the action that can be performed by the Islamic bank is to convert the murabahah financing contract into the qardh financing agreement
Model Pengelolaan Badan Usaha Milik Desa (BUMDes) Dalam Membangun Perekonomian Desa (Studi Kasus Desa Masalima)
Get PDFThe author conducts research Model Management of Village Owned Enterprises (BUMDes) in Building Village Economy. The goal is to know and recognize the attraction and potential of Masalima Village to be optimized and know how to set up Village Owned Enterprises (BUMDes) as well as to know the Model Management of BUMDes in improving the economy of Masalima Village community. The research method used is the type of qualitative research with descriptive description is a study that aims to obtain a picture to understand and explain the model management of Village Owned Enterprises (BUMDes) in Developing the Village Economy. In this study the authors analyze what potentials can be developed in Masalima Village so that it can be developed and processed through the Village Owned Enterprises (BUMDes)
Konsep Wakaf Yang Efektif Dalam Membangun Bangsa
Get PDFIslam has comprehensive concepts and solutions, one of them is for human socio-economic problems, therefore in Islam there are social services such as waqf. Even though Muslims realize that waqf is one of the economic sources, so far only a few have been utilized maximally and productively. There are so many waqf wealth in Indonesia. However, in general its utilization is still traditional consumptive and has not been managed productively, so it has not been right on target in solving people's socio-economic problems. The causes are: 1) Understanding of waqf that is still lacking, 2) Management of waqf that is not optimal, 3) Limited objects that are represented and the end of waqf. For this reason, it is necessary to reformulate how the concept of waqf is effective or the right target according to its function to realize social welfare in developing the nation. Namely by 1) Improving people's understanding of waqf. Endowments according to the Act. no. 41 of 2004 concerning endowments, namely: immovable property (land, buildings / parts, plants and other objects relating to land, ownership rights to units of flats, wells, other immovable property.) And movable assets (money, precious metals, letters valuable, vehicles, intellectual property rights (IPR), rental rights and other movable objects). 2) Empowerment of waqf, waqf assets mentioned above can be empowered to become productive property, profits from productive waqf can be utilized for the benefit of the ummah. 3) Management of waqf based on organizations and legal entities, this can produce professional nazhir, uniform and targeted distribution, innovative and actual fundraising. If this concept is implemented as well as possible, the primary needs of the community will be fulfilled, even social funds will also be available from the management of productive waqf
Sudah Sampai Manakah Riset Keuangan Mikro Syariah Kita?
Get PDFThis study tries to review the research around Islamic microfinance institution. It uses descriptive statistical analysis based on selected 100 journal publications or paper related to Islamic microfinance institution, both national and international journal. The entire sample journal publications have published for ten years from 2007 to 2016. The Results show that Islamic microfinance institute research is still dominated by the discussion about Islamic microfinance institution (54%), followed by eradication of poverty (25%), then financing the poor societies (11%) and the last is about management of Islamic microfinance institution (10%). In addition, Indonesia, Malaysia and Pakistan are being the highest of Islamic microfinance study area, while the majority of publications area are from Indonesia, United States and United Kingdom. Furthermore, the comparison of quantitative research and mixed methods are still less than the qualitative approach
Penilaian Tingkat Kesehatan Koperasi Syariah Berdasarkan Peraturan Kementerian Koperasi Dan Ukm
Get PDFThis study aims to determine the level of health of Sharia Multipurpose Cooperative X in Depok City based on the standards of The Cooperative Minister Regulation Number: 07/Per/Dep. 6/ IV/2016 concerning Health Assessment Guidelines for Sharia Cooperative. Assessment health level of cooperatives based on 8 aspects: aspects of capital, quality, management, efficiency, liquidity, independence and growth, cooperative identity, and promises to sharia principles. The results showed that the health level of Syariah Cooperative X in 2017 obtained a score of 61.99 categorized in Supervision
Efektivitas Pendayagunaan Dana Zakat Terhadap Pengembangan Program Pemberdayaan Ekonomi Masyarakat Pada Zona Madina Dompet Dhuafa
Get PDFThis research is to analyze the effectiveness of the utilization of zakat funds to the development of community economic empowerment program at Zona Madina Dompet Dhuafa. This research uses quantitative approach with explanatory and explorative research type. Data collection through field observation, interviews, and documentation studies. The data analysis used the calculation of effectiveness ratio and Wilcoxon Signed Rank Test to analyze the effect of the program on the condition of beneficiary community between before and after program. The results of this study show the utilization of zakat funds to the community economic empowerment program at Zona Madina Dompet Dhuafa from 2015 to 2017 amounted to 99.92%. So that the utilization of zakat funds to the community economic empowerment program in Zona Madina Dompet Dhuafa has been very effective, because the effectiveness ratio shows lebiih besar dari 90%. Then based on statistical test nonparametrik Wilcoxon showed that the community economic empowerment program positively affect the changing economic conditions of the beneficiary community program
Uang Elektronik Dalam Perspektif Islam
Get PDFPayment system into non-cash payment form is more efficient and economical. Electronic money arises as an answer to the community's need for a micro payment instrument that is expected to make the payment process faster, more efficient and safer at a relatively cheaper cost, but not all electronic money issued in accordance with the concept of sharia. This study is intended to find out electronic money in Islamic perspective on the contract and sharia principles applied to electronic money transactions. This research uses descriptive method using library learning method, that is studying theory, system, and how to work electronic money so that can found the relation of law and provision in electronic money transaction. This writing produces information about the legal contract and sharia principles in transactions that exist in electronic money
KONSEP MARKETING MIX SYARIAH
No full textABSTRAK. Pokok permasalahan yang akan dibahas dalam penulisan ini adalah konsep marketing mix yang sesuai dengan syariah. Penilaian konsep marketing mix yang sesuai syariah ini menilai variabel Product (Produk), Price (Harga), Place (Penempatan), dan Promotion (Promosi) dengan aturan-aturan muamalah dalam islam. Tujuan dari penelitian ini adalah untuk mengetahui dan menjelaskan konsep marketing mix syariah, serta sebagai kontribusi keilmuan berkaitan dengan marketing mix syariah. Teori yang digunakan dalam penelitian ini yaitu teori marketing, marketing mix, serta teori tentang muamalah yangsesuai dengan syariah. Penelitian ini memfokuskan pada penilaian marketing mix dengan aturan-aturan muamalah dalam islam. Metode yang digunakan dalam penelitian ini adalah kajian pustaka baik bersumber data buku ataupun jurnal, sedangkan untuk aspek penilaiannya yaitu ditinjau dari Al -Qur’an, Hadits, Ijtihad para ulama, dan karya ilmiah yang berkaitan dengan penelitian. Penelitian ini menghasilkan konsep marketing mix yang sesuai dengan syariah meliputi variabel Product (Produk), Price (Harga), Place (Penempatan), dan Promotion (Promosi) yang telah disesuaikan dengan aturan-aturan dalam muamalah islam, penelitian ini juga sebagai saran bagi para pelaku bisnis yang ingin menjalankan bisnisnya sesuai syariat Islam. Sehingga konsep marketing mix syariah ini memiliki perbedaan dengan marketing mix pada umumnya karena telah disesuaikan dengan aturan muamalah dalam islam.Kata kunci: marketing, marketing mix, marketing mix syariahABSTRACT. The main issues will be discussed in writing this is how theconcept of marketing mix according to sharia. Assessment the concept ofmarketing mix appropriate sharia this assess variable product, price, place, and promotion into rules muamalah in Islam. The purpose of this study is to find and explain the sharia marketing mix, and as a contribution scientific per taining to sharia marketing mix. A theory that used in this research that is the theory marketing, marketing mix, and a theory about muamalah in accordance with sharia. Methods used in this research is a literature study good sourced data book or journal , while on the aspect of this assessment that is in terms of the Al-Qur’an, Hadith, ijtihad ulama, and the work of scientific relating to the study.This research come up with concepts marketing mix according to shariacovering variable product, price, place, and promotion that has been adjusted for rules in Islamic him, the research also as a suggestion for actors businesses that would like to run business in accordance Islamic sharia. So that the concept of sharia marketing mix it has different to marketing mix in general because has been adjusted for rules him in Islam.Keywords: marketing, marketing mix, sharia marketing mi
ANALISIS KINERJA PERBANKAN SYARIAH DI INDONESIA DAN MALAYSIA DENGAN PENDEKATAN MAQASHID INDEKS
No full textThe measurement of Islamic banking usually uses a conventional measurement. But to evaluate performance of Islamic banking can not be equated to conventional banks, because they have different purpose and views. Therefore aims to understand the performance of Islamic banks based on the maqashid index approach. Objects research consisting of four Islamic banks in Indonesia (Bank Syariah Mandiri, Bank Muamalat indonesia, Bank Rakyat Indonesia Syariah and Bank Negara Indonesia Syariah) and four Islamicbanks in Malaysia (Bank Islam Malaysia Berhad, CIMB Islamic Bank, Maybank Islamic Berhad and RHB Islamic Bank) for years 2011-2014. Then, Islamic banks measured and rank its performance based on three steps: 1) the ratio performance 2) performance indicators and 3) the overall maqashid index. The research showed, that Bank Muamalat Indonesia has the highest performance is 15.12%. Next, the lowest performance is 7.02% by CIMB Islamic Bank.Penilaian kinerja perbankan syariah biasanya menggunakan alat ukur konvensional. Padahal untuk menilai kinerja perbankan syariah tidak dapat disamakan dengan perbankan konvensional, karena keduanya memiliki tujuan dan pandangan yang berbeda. Penelitian ini bertujuan untuk mengetahui kinerja perbankan syariah dengan pendekatan maqashid indeks. Objek penelitian terdiri dari empat bank syariah di Indonesia (Bank Syariah Mandiri, Bank Muamalat Indonesia, Bank Rakyat Indonesia Syariah dan Bank Negara Indonesia Syariah) dan empat bank syariah Malaysia (Bank Islam Malaysia Berhad, CIMB Islamic Bank, Maybank Islamic Berhad dan RHB Islamic Bank) selama tahun 2011-2014. Kemudian, bank syariah diukur dan diranking kinerjanya berdasarkan tiga langkah: 1) rasio kinerja 2) indikator kinerja dan 3) maqashid indeks secara keseluruhan. Berdasarkan hasil penelitian, dapat disimpulkan bahwa Bank Muamalat Indonesia memiliki kinerja tertinggi di dengan nilai 15.12%. Selanjutnya, kinerja terendah terjadi di CIMB Islamic Bank dengan 7.02%