Jurnal Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Imam Bonjol Padang
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MENINGKATKAN PERTUMBUHAN NASABAH BANK SYARIAH : MENDUKUNG PEMBIAYAAN PROMOSI, PENDIDIKAN DAN PELATIHAN
Get PDFThe research theme is the concept of business according to Islamic economics. The object of research is the existing sharia banks in Indonesia. The purpose of research are: 1) To see the effect of promotion costs on customer growth of sharia banks, 2) To see the effect of the cost of education and training on customer growth of sharia banks. The research variables are: 1) The independent variable (cost of promotion, education and training), 2) The dependent variable (customer growth). The study design was quantitative. This type of research is causality. The analytical tool used is multiple linear regressions. The data is used is secondary Data Obtained from Bank Indonesia. The data is in use are: 1) Cost of promotion in sharia banks, 2) The cost of education and training in sharia banks, and 3) The number of accounts in sharia banks. The results of the research are: 1) The cost of promotion has a significant influence on the growth of the customer, 2) The cost of education and training has a significant influence on the growth of the customer
KONTRIBUSI DAN PERTUMBUHAN PEMBIAYAAN BANK SYARIAH DI INDONESIA BERDASARKAN JENIS AKAD PERIODE TAHUN 2008-2013
Get PDFThe research theme is the concept of business according to Islamic economics. This study aims to describe how to financing of Islamic Bank contract performance 2008 -2013 period. This research base on published data of Bank Indonesia and Financial Service Autority. The method used in this research is ratio analysis tehcnic and Coomonsize analysis technic of the quantitative approach. The result shows that:signifcant contribution of murabaha and musyaraka contract financing in Islamic Bank balance statements, significant and smoth of growth level with murabaha and musyaraka contract. The impact of this research, Islamic Bank must be focus to use of murabaha and musyaraka contract financing and salam contract,istishna contract, ijarah contract unimplemented or maybe deleted. Because its unsignificant countribution and more fluktuatif performance of growth
PENERAPAN MANAJEMEN PERUBAHAN DENGAN ANALISIS TURNAROUND DALAM MENINGKATKAN KINERJA PERUSAHAAN
Get PDFThe theme of the article is financial management. This article discusses how the changes should be made to the Turnaround analysis approach that can improve the performance of a company. The article is the result of the study of literature. Change is an important portion of a management, where every leader is measured ability to predict changes and to make changes as the potential of the company's performance. A leader faces changes by having a vision and strategy that is based on assumptions about the future situation which is expected to occur. Along with the development of science and technology requires a company to change the level of productivity and company performance. This has encouraged management to be able to make changes in various ways or methods. One of them with an analysis of the Turnaround is to do a fundamental change, through changes in leadership, management, operational processes, and changes in the market approach. All these aim to increase the market value and increase the efficiency of the company in the long term. Change does not have to happen, but changes must be able to run well. Management changes are required in order to assist the process of change to become more focused and able to put these changes into the organization or the company's business world
KONSUMSI MENURUT EKONOMI ISLAM DAN KAPITALIS
Get PDFHistorically the economy of early Islam is far more developed than conventional economics. One of the important theory of Islamic and capitalism economics is related to consumption. In Islamic economics should consumed in order to find Ridha Allah SWT. A conviction and systems that can save the world from the greed of man as homo economicus. However, the rapid economic progress and the widespread network of conventional capitalism, consumption theory of Islam into the unknown in the academic world, especially in everyday life. However, the same progressiveness could bring the world in the unrecoverable and uncontrollable progressiveness. Progressive-power that inherent in the global capitalism has the tendency to lead the world into undetermined, injustice and hegemonic situation. This paper would discover this human’s live
FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBERIAN KOMPENSASI PADA KARYAWAN BANK
Get PDFResearch themes are banks and financial institutions. The purpose of this study was to determine the factors that affect compensation in Bank Danamon Simpan Pinjam Unit Ps. Kota Duri. The populations in this study are employees of Bank Danamon Simpan Pinjam Unit Ps. Kota Duri which amounted to 32 people. Sampling was conducted using random sampling. The data analysis is done by using a reliability test, normality, F test, multiple linear regression R2 test and t test. The results showed that the independent variables affect compensation, with a value of correlation R = 0.999, which indicates a very strong relationship between productivity, ability to pay, willingness to pay, employee organizations and regulatory legislation with compensation. While the adjusted R-square in the can 0.997, which means productivity, ability to pay, willingness to pay, employee organizations and regulatory laws have contributed a contribution of 99.7% of the compensation
SHARIAH FINANCING FOR FARMERS POVERTY REDUCTION
Get PDFThe agricultural’s sector issues remains important, both from strategic and pragmatic sides. From the strategic side, the contribution to GDP and labor absorption in this sector is still significant. While at the pragmatic side, contrary to earlier, the poverty rate of economic actors at the sector did not experience significant improvement. Farmer’s poverty alleviation efforts, as if to see a thick wall. In the era of oil boom of the past, subsidies be the paradigm taken by government. However, because of government budget constraints, and also the absence of the private sectors role, the efforts being failed. Shariah banking have a great obligation to face this huge potential demand. Because of poor farmers was a part of the largest Islamic community itself and the maqasid Shari'ah philosophy put the protection of mankind from poverty and indigence as one of the main objectives. Nevertheless, major barriers to technical and economic, made sharia banking still not present in those efforts. Need a new paradigm which using a comprehensive approach and involve actively participation of all parties to realize those goals. To that end, this paper will try to offer that new paradigm
SIMULASI ISLAMIC FORWARD AGREEMENT PADA PEMBIAYAAN VALAS BANK SYARIAH DI INDONESIA
Get PDFThe fluctuating exchange is so risky and can cause the loss to Islamic Banks. The hedging instrument on the exchange rate based on Islamic principles to manage this risk is needed. Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI) has issued a fatwa related to it in fatwa No. 96/DSN-MUI/IV/2015 about Islamic Hedging Transactions (al-Tahawwuth al-Islam) on exchange. Given this fatwa, hedging simulation with forward agreement scheme may be applied in USD financing product in Islamic Bank. The research method used is simulation and comparison method between the outstanding of forex financing and premium and tenor of forward references. The result of this study shows that Islamic banks will benefit if doing islamic forward agreement. The reference premium and tenor recommended for calculating this Islamic forward agreement transactions based on the results of the research is the rate of return of FASBIS with a tenor of 6 months, with a gain of 3,461 trillion rupiah. This amount represents the highest potential nominal gain compared to other simulation results. Nevertheless, the use of FASBIS rewards are not always recommended and is only used temporarily in certain moments. However, when compared to conventional-based reference premiums, premium benchmark rate of FASBIS return may be an option for islamic banks and businesses to calculate the rate forward of Islamic forward agreement transactions