Journal of School of Islamic Economics (STEI) SEBI (Sekolah Tinggi Ekonomi Islam)
Not a member yet
260 research outputs found
Sort by
Analisis Hukum Islam dalam Transaksi Layanan Pesan Antar Makanan Online: Studi Kasus pada GoFood
No full textThis research aims to determine Islamic law in online food delivery service transactions on GoFood delivery services and to assess the effectiveness of contracts in GoFood delivery service transactions. (1) Observation, interviews, and documentation are all used in this research as quantitative data collection methods. In the GoFood delivery service, 8 informants in total participated in this research consisting of 3 merchants, 2 drivers and 3 consumers. used random sampling and sampling approaches to identify informants. Based on the research findings, (1) the practice of using contracts in delivery service transactions using Islamic contracts by identifying the relationship between the parties who carry out relationships and transactions in the GoFood delivery service, apart from that it also sharpens the views of contemporary jurisprudence scholars who are pro and Contradictions regarding transactions on the GoFood delivery service, (2) Looking at the Islamic legal perspective on this delivery service transaction by looking at the arguments and views of experts to be able to determine whether or not GoFood delivery service transactions are permissible
Praktik Jual Beli Pakaian Bekas Ditinjau dari Hukum Positif dan Hukum Islam
No full textThe purpose of this research is (1) To understand the practice of buying and selling second-hand clothing. (2) To understand the practice of buying and selling second-hand clothing from the perspective of positive law. (3) To understand the practice of buying and selling second-hand clothing from the perspective of Islamic law along with the practice of khiyar aib within it. This research is an empirical study using a qualitative descriptive approach. The results of the research indicate that: In the context of positive law in Indonesia, the prohibition of importing second-hand clothing is regulated by Minister of Trade Regulation No. 40 of 2022, a revision of No. 18 of 2021. Despite the prohibition, the sale of second-hand clothing continues to be popular because it provides greater profit and meets the needs of consumers who want unique products. Positive law provides the legal basis with administrative and criminal sanctions according to Law Number 7 of 2014. In the context of Islamic law, the practice of buying and selling second-hand clothing in Depok City is considered valid because it fulfills the pillars and conditions of buying and selling, where people have the freedom to choose clothes before the transaction.
Tinjauan Fikih Muamalah Terhadap Penambahan Kode Unik Transfer di crowdfunding Kitabisa.Com
No full textIncreased cooperation and humanitarian spirit in Indonesia, supported by technological advances, has encouraged innovation in charitable activities. Kitabisa.com, a fast-growing crowdfunding platform, facilitates online donations with various payment methods, one of which is the bank transfer method. In this method, donors are required to add a unique code for automatic verification. This research aims to determine the muamalah jurisprudence review of the practice of adding a unique code at the end of payment transfers in Kitabisa. This type of research uses a qualitative descriptive method, using a literature review. Data for this research was obtained through the Kitabisa website, as well as through interviews with muamalah fiqh experts. The result of this research is that the use of unique codes on crowdfunding platforms such as Kitabisa.com is in accordance with sharia principles, namely grant contracts, because the main contract is tabarru' or social contract, so adding a unique code is considered a form of grant or voluntary contribution from the donor for the purpose of social
Pengaruh Keberagaman Pengawas Syariah Terhadap Pengungkapan Laporan DPS Pada Bank Syariah di Asia Tenggara Periode 2018-2022
No full textThis study aims to to measure the diversity of the Sharia Supervisory Board (SSB) on Sharia compliance. The analysis method used is quantitative, using panel data regression processed with Eviews 12. SSB diversity is measured using the number of SSB members, tenure of SSB members, proportion of female SSB members, educational background of SSB members, and multiple positions held by SSB members. Sharia compliance is measured using items from SSB reports. The research sample was taken using purposive sampling, resulting in 13 Islamic banks in Southeast Asia. The observation period is from 2018 to 2022. The study found that the number of SSB members does not affect Sharia compliance because too many SSB members will incur additional costs from conflicts and coordination. Tenure does not affect Sharia compliance because SSB members who work too long can reduce the quality of SSB report disclosures. The proportion of female SSB members does not affect Sharia compliance because more female SSB members slow down the decision-making process and create differences in responding to risks from a Sharia perspective. The educational background of SSB members does not affect Sharia compliance because most SSB members with doctoral degrees are not in accounting, banking, and economics. Holding multiple positions has a significant positive effect on Sharia compliance because SSB members with multiple positions in other institutions will have better experience and knowledge. Fokus penelitian ini untuk mengukur keberagaman DPS terhadap kepatuhan syariah. Metode analisis yang digunakan adalah kuantitatif dengan menggunakan regresi data panel yang diolah menggunakan Eviews 12. Keberagaman DPS diukur dengan menggunakan jumlah DPS, masa jabatan DPS, proporsi wanita DPS, latar belakang DPS, dan rangkap jabatan DPS. Sedangkan kepatuhan syariah diukur menggunakan item-itemlaporan DPS. Sampel penelitian diambil menggunakan purposive sampling dan menghasilkan 13 bank syariah di Asia Tenggara. Periode pengamatan diambil dari 2018 sampai 2022. Berdasarkan hasil pengujian variabel jumlah DPS tidak berpengaruh terhadap kepatuhan syariah dikarenakan terlalu banyak anggota DPS akan menimbulkan banyak biaya tambahan yang berasal dari konflik dan koordinasi. Masa jabatan tidak berpengaruh terhadap kepatuhan syariah dikarenakan DPS yang terlalu lama kerja dapat menurunkan kualitas dari pengungkapan laporan DPS. Proporsi wanita DPS tidak berpengaruh terhadap kepatuhan syariah dikarenakan semakin banyak anggota wanita DPS memperlambat proses pengambilan keputusan dan menimbul perbedaan dalam menanggapi risiko dari segi prinsip syariah. Latar belakang pendidikan DPS tidak berpengaruh terhadap kepatuhan syariah dikarenakan kebanyakan anggota DPS yang memiliki gelar doktor bukan dibidang akuntansi, perbankan dan ekonomi. Rangkap jabatan berpengaruh positif signifikan terhadap kepatuhan syariah dikarenakan anggota DPS yang memiliki rangkap jabatan di lembaga lain akan memiliki pengalaman, pengetahuan yang lebih baik
Jual Beli Follower Untuk Meningkatkan Branding Pada Media Sosial Instagram Dalam Perspektif Hukum Positif dan Hukum Syariah
No full textThis research aims to find out how positive law and sharia law reflect the practice of buying and selling Instagram follower and its objectives. This research uses a qualitative descriptive method by combining two methods, namely field and literature methods. From this research, the results obtained show that the mechanism for buying and selling follower is carried out using an electronic system where orders and payments are made to the seller using electronic devices, after which the seller will add follower using the help of a follower addition application. In positive law, this transaction is considered unlawful because it does not comply with the regulations stated in Law No. 11 of 2008 concerning Electronic Information and Transactions where follower added to the buyer's account are added without permission from the owner. The results of this research also reveal that the practice of buying and selling Instagram follower is not in accordance with sharia regulations, where this practice does not fulfill one of the conditions for buying and selling, namely that the object of the contract must belong to the seller, whereas in this research the follower who are the object of buying and selling do not belong to the selle
The Role of Islamic Banking Financing for Afforadable Housing in Realizing Sustainable Development: An Analytic Network Process (ANP) Method
No full textThe government of the Republic of Indonesia is to provide appropriate affordable housing programs for low middle incomes. Based on the physical attributes and traditional social aspects of the low-middle income household, and social environment in the residential area, as well as their contribution to economic growth. This paper evaluates the level of prioritization of Islamic Banking Financing for affordable housing program of low-middle income families in Realizing Sustainable Development. Simultaneously, the research offers access to sustainability measurement of Islamic banking to finance affordable housing on both the social and environmental dimensions. This research utilizes An Analytic Network Process (ANP) Method to evaluate and select Sustainable Development Goal Ranking The results of this study are found that Sustainable Development Goal 8: Promote inclusive and sustainable economic growth, employment and decent work for all, is most important for Islamic banking financing for affordable housing program in Realizing sustainable Development comparing to the Sustainable Development Goals (SDGs) of goas number 9: Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation, and Goal 11: Make cities and human settlements inclusive, safe, resilient and sustainable. Furthermore, according to the experts of Islamic Housing financing, the objective of Islamic banking financing for Affordable Housing In Realizing Sustainable Development are; to protect low-income people and people in vulnerable situations and reduce the risk for slum dwellers
IMPLEMENTASI MODEL BISNIS CANVAS PADA USAHA BUBUR ORGANIK STUDI KASUS PT. ROFINDIYA EKAMULIA SUKSES
No full textThis study aims to find out how to apply the Business Model Canvas with the current Business Business Model Canvas and Future Business Model Canvas organic porridge PT. Rofindiya Ekamulia Sukses. The problem in this study is that the "Bubur Onic" organic porridge business which is a famouse organic porridge in the area has not mapped the business and looked for solutions to retain consumers. The research approach used is a qualitative approach with the type of case study research. The subject of this research is the owner of business "Bubur Onic". In the midst of the increasing number of culinary business competitors who present a more modern concept compared to those businesses that still package their businesses conservatively. The analytical technique used is SWOT analysis to see the weaknesses and threats faced by optimizing the strengths and opportunities they have and mapping the business using the Business Model Canvas (BMC). This type of research is qualitative descriptive research using interview, observation and documentation methods. The results of the study showed customer segments in geographical, demographic and psychographic segment types, Value Propositions with performance, Cuztomization, innovation and owned, Channels via Whatsapp, telephone, website and Facebook, Customer Relations using personal assistence and Co-Creation, Revenu streams from asset sales and bubur pouch services, key resources in the form of physical, intellectual, human and financial. Key activity of production based on orders and marketing activities, key patnership is partnerships, and cost structure in the form of fixes and value costs for value driven
ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN PENJUALAN PADA BISNIS TOTE BAG CABICIKS DESA CURUG, KABUPATEN BOGOR
No full textThis study aims to find out how effective marketing sales are in increasing sales at Cabiciks tote bag business and marketing strategies through STP (Segmenting, Targeting, Positioning) and marketing mixwhich are applied to Cabiciks tote bag business. This reseach method uses a qualitative descriptive method and Cabiciks tote bag business as the object of research. The types of data used are primary and secondary data, namely the method of observation, interviews and documentation and using the SWOT analysis method (Strength, Weakness, Opportunity, Threat) to determine strategies that have an effect on increasing sales. Next is the selection of strategies generated by the SWOT matrix obtained from the company’s position on the SWOT analysis diagram. Then the alternative strategies obtained from the results of the SWOT analysis are reprocessed using the QSPM (Quantitative Strategic planning Matrix) matrix to find out the main priority strategies of the various alternative strategies. The results from the QSPM matrix of 10 strategies, there is 1 highest strategy that is maintaining the quality of raw materials for fabrics to balance the market demand which is quite busy for Cabiciks products
Analisis Kinerja Keuangan Bank Syariah di Indonesia berdasarkan Islamic Performance Index
No full textThe purpose of the research conducted for the application of Islamic finance. This research discusses the performance benchmarks of Islamic banks in Indonesia with the Islamic Performance Index (IPI). Its performance can be seen by using qualitative descriptive research as a whole from the period 2017 to 2023. Another problem that is less than optimal is the distribution of Zakah, because Islamic banks are still considered lacking in the management and utilization of Zakah funds. This research is expected to be useful for readers, especially stakeholders in providing learning and evaluation materials Tujuan dari penelitian yang dilakukan untuk penganalisisan terhadap keuangan Syariah. Penelitian ini membahas perihal tolak ukur performa bank syariah di Indonesia dengan Islamic Performance Index (IPI). Kinerjanya dapat dilihat dengan memakai penelitian deskriptif kualitatif secara menyeluruh dari periode 2017 sampai 2023. Masalah lain yang kurang optimal adalah penyaluran zakat, karena bank syariah masih dianggap kurang dalam pengelolaan serta pendayagunaan dana zakat. Penelitian ini diharapkan bisa bermanfaat bagi pembacaca terutama pemangku kepentingan dalam memberikan pembelajaran dan bahan evaluasi.
Analyisis Of Determining The Performance Of Sharia Commercial Banks Using The Maqashid Sharia Approach
No full textThis research empirically aims to examine several estimation factors that make Islamic banks more inclined to implement Maqashid Sharia performance. These factors include financing risk, temporary equity funds (dana syirkah), capital adequacy, and Sharia governance in relation to Maqashid Sharia performance. The research methodology employed is a descriptive and verificative approach. The population consists of Islamic Commercial Banks in Indonesia from 2017 to 2021, with a sample size of 14 banks using a saturation sampling technique. Panel data regression is the analytical method applied. The results of the study indicate that, partially, financing risk has a significant negative impact on Maqashid Sharia performance. Meanwhile, temporary equity funds, capital adequacy, Sharia supervisory board, joint position of the Sharia supervisory board, board of commissioners, and audit committee have a significant positive influence on Maqashid Sharia performance.The implications for management involve formulating operational performance strategies that not only pursue commercial aspects but also consider social aspects and Sharia compliance to enhance Maqashid Sharia performance, aligning with the foundational goals of Islamic banks. The contribution to the field of knowledge lies in deepening the understanding of factors influencing Maqashid Sharia performance in Islamic banks and providing new insights into the relationships among financing risk, temporary equity funds, capital adequacy, Sharia governance, and performance.Keywords: Financing Risk, Temporary Shirkah Funds, Capital Adequacy, Sharia Governance, Sharia Maqashid Performance.Penelitian ini bertujuan untuk secara empiris meneliti beberapa faktor estimasi yang membuat bank-bank Islam lebih cenderung untuk menerapkan kinerja syariah maqashid. Faktor-faktor ini meliputi risiko pembiayaan, dana syirkah sementara, kecukupan modal, dan tata kelola syariah terhadap kinerja syariah maqashid. Metode penelitian yang digunakan dalam studi ini adalah metode deskriptif dan verifikatif. Populasi dalam penelitian ini adalah Bank Umum Syariah di Indonesia pada tahun 2017-2021, dengan jumlah sampel sebanyak 14 Bank Umum Syariah menggunakan teknik sampling jenuh. Teknik analisis data yang digunakan adalah regresi data panel. Hasil dari penelitian ini menunjukkan bahwa secara parsial, risiko pembiayaan memiliki pengaruh negatif yang signifikan terhadap kinerja syariah maqashid. Sementara itu, dana syirkah sementara, kecukupan modal, dewan pengawas syariah, posisi bersama dewan pengawas syariah, dewan komisaris, dan komite audit memiliki pengaruh positif yang signifikan terhadap kinerja syariah maqashid. Implikasi dari penelitian ini bagi manajemen adalah merumuskan kinerja operasional sehingga tidak hanya mengejar aspek komersial, tetapi juga harus memperhatikan aspek sosial dan kepatuhan syariah untuk meningkatkan kinerja syariah maqashid yang merupakan tujuan dari pendirian bank-bank Islam. Kontribusi dalam bidang ilmu pengetahuan yaitu untuk memperdalam pemahaman tentang faktor yang mempengaruhi kinerja syariah maqashid di bank-bank Islam dan wawasan baru terhadap hubungan antara risiko pembiayaan, dana syirkah sementara, kecukupan modal, tata kelola syariah, dan kinerja.Kata kunci: Risiko Pembiayaan, Dana Syirkah Sementara, Kecukupan Modal, Tata Kelola Syariah, Kinerja Syariah Maqashi