Jurnal Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Imam Bonjol Padang
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ETIKA BISNIS PEDAGANG PADA JUAL BELI TELEPON GENGGAM BEKAS DITINJAU DARI PERSPEKTIF EKONOMI ISLAM
Get PDFThe theme of the article is "economy based on the principles of Islam". The purpose of this research is to know about business ethics former trader of mobile phones in Sub Selong East Lombok. This research was conducted with a qualitative approach. Focus of this study was to determine the merchant's business ethics on the sale and purchase of second hand phone in the District Selong East Lombok. Results of the study are: merchant opens on condition of used cell phones are sold, in taking high profits traders capitalize upon ignorance of the buyer, in getting a used cell phone from the merchant community push prices as low and sell at the highest possible price
EKSISTENSI LEMBAGA KEUANGAN MIKRO: CIKAL BAKAL LAHIRNYA BMT DI INDONESIA
Get PDFThe theme of the article is the banks and financial institutions. The purpose of this paper is to analyze the existence of BMT in Indonesia. Microfinance Institutions have a long history. The emergence of Sharia Micro Finance Institutions is a reaction to the existence of conventional financial institutions. BPRS that is the first Sharia Micro Financial Institution. The BPRS emerges as a microfinance institution in the form of a Savings and Loans Cooperative. Then made a pilot project with the name Baitul Maal wat Tamwil (BMT). Society is very enthusiastic about the presence of BMT. The Indonesian government makes rules that regulate, build and supervise BMTs
ANALISA KINERJA KEUANGAN DAN PREDIKSI KEBANKRUTAN BANK PEMBIAYAAN RAKYAT SYARIAH
Get PDFThe theme of the article is the banks and financial institutions. This study aims to assess the financial performance of existing BPRS in Central Sumatra, and predict the potential for bankruptcy in the BPRS. The method used to assess financial performance is to assess the performance of Capital, Efficiency, Liquidity and Profitability in the period of financial statements 2013-2015. While the potential for bankruptcy is done by using the Altman Z-Score method. The results showed that there were two potentially bankrupt BPRS
IMPLEMENTASI KAIDAH-KAIDAH ISLAM DALAM PENGELOLAAN ZAKAT PROFESI
Get PDFThe theme of the article is the banks and financial institutions. This study aims to determine the implementation of Islamic rules in the management of "zakat profesi". Management views of managers understanding of the principles of Islam. The research is qualitative descriptive. Data collection using interviews, observation, and documentation. Resource is the management and participants "Program Peduli Dhuafa". The results showed the “zakat profesi” management has implemented the rules of Islam. In executing the management has implemented four properties ie Muhammad SAW: siddiq, amanah, tabligh and fathonah
THE PSYCHOLOGICAL EFFECT OF THE ASEAN ECONOMIC COMMUNITY (AEC) TOWARDS HUMAN RESOURCES DEVELOPMENT
Get PDFThe theme of the article is "economy based on the principles of Islam". Yet those countries have several characteristics that are key to the creation of the ASEAN Economic Community, among others: (a) Market and a single production base (b) The high level of competition among the ASEAN countries. (b) This area has a great opportunity to grow as a global market. (d) an integrated ASEAN countries total in the global market. Cooperation undertaken by the ASEAN Economic Community includes: development of human resources, development potential, On professional qualifications, intense consultation on macroeconomic policy and financial policy, measurement of financial measures, Measurement of trade balance, infrastructure and so on. Through this article we are expected to understand that, the existence of the ASEAN Economic Community should be seen having a significant value by stakeholders; National entrepreneurs, economic actors, and especially by policy makers. Whereas, the presence of the ASEAN Economic Community is identical with the idea of globalization is realistic to build economic inequality amongst the people of the world. Where the owner of capital in this case is the first world countries expand its market to third world countries or poor. While the poor country is only a buyer or user of the rich country's products. This gave rise to widespread economic inequality. Not only that, the presence of the ASEAN Economic Community should not be a form of attitude inferiority complex and distrust themselves from ASEAN countries, which is just trying to "follow" the establishment of the European Economic Community. With simple language we need to take action to color the existence of the ASEAN Economic Community and not to be a passive audience that awaits change. At the same time we need to guard against conflicts of interest that would be detrimental to the national interests of Indonesia as a nation-state
PERANAN RISK-PREFERENCE TERHADAP PEMBIAYAAN MACET PADA BMT: METODE EKSPERIMEN MULTIPLE PRICE LIST
Get PDFThe theme of the article is the banks and financial institutions. Several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing to sharia microfinance institutions (LKMS) to the probability of stalling their financing. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PEGADAIAN SYARIAH DI KOTA PEKANBARU
Get PDFThe theme of the article is the banks and financial institutions. The study aims to determine the effect of service quality on customer satisfaction, and to know the difference. The study was conducted in the city of Pekanbaru. The sample was 100 respondents. The analytical method used is multiple linear regression analysis. The results showed: The quality of service has a positive effect on customer satisfaction
ETOS KERJA ISLAMI DAN KESEJAHTERAAN KARYAWAN PADA PT. ADIRA DINAMIKA MULTI FINANCE SYARIAH
Get PDFThe theme of the article is "economy based on the principles of Islam". This work ethic is dynamically always influenced by several factors, both internal and external. This study aims to see the concept of work in the view of Islam, the application of Islamic work ethic and characteristics of Islamic work ethic for employees of PT. Adira Dinamika Multi Finance Syariah, Tbk branch of Mataram. The methods used are qualitative methods and data collection by using triangulation consisting of observation, interview and documentation so that they can explore the complete information about the Islamic work ethic in PT. Adira Dinamika Multi Finance Syariah, Tbk branch of Mataram. The results of this study found that of the seven informants are said to be less able to work in accordance with Islamic views, the characteristics of the Islamic work ethos that is less visible from the seven informants seen when they often come late, less willing in doing the work, less honest, not istiqomah, sometimes happy to serve customers sometimes less happy. If viewed the level of welfare from employees of PT. Adira Dinamika Multi Finance Syariah, Tbk branch of Mataram from the seven informants have fulfilled the indicators of Islamic welfare (maqashid syariah) although in every person all components always exist like 1) Maintaining religion, 2) Maintaining the soul, 3) Maintaining the mind, 4) maintaining the offspring, 5) Maintain wealth