Jurnal Fakultas Ekonomi dan Bisnis Islam - Universitas Islam Negeri Imam Bonjol Padang
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POTENSI FINANSIAL TEKNOLOGI SYARIAH DALAM MENJANGKAU PEMBIAYAAN NON-BANK
Full text linkThe purpose of this study is to analyze the potential of Crowdfunding and Peer-to-Peer Lending Financial Technology (FinTech) Sharia to reach the non-banking financing. There are four Crowdfunding and Peer-to-Peer Lending FinTech Sharia operators in Indonesia used as the sample. The data used in this study was obtained from direct interview with the FinTech operators and literature study of similar subject. The analysis method used in this study is SWOT analysis. The results of the study which used SWOT analysis model found that the Crowdfunding and Peer-to-Peer Lending FinTech Sharia are not a threat to existing Sharia financial institutions and can also increase the penetration of sharia financial industry in Indonesia because they offer cost efficiency, ease of access, speed of financing distribution, and the low rate of non-performing financing. However, there are still small quantity of FinTech Sharia registered at OJK, no specific regulation for FinTech Sharia and no Sharia Supervision Board in many FinTech Sharia can be obstacles for FinTech Sharia operator
SISTEM PEMBIAYAAN SOSIAL BERBASIS KOMUNITAS
Full text linkIslamic cooperative is a financial system based on social and solidarity, where its characteristics are different from other financial institutions. This social financial institution is a set of interdependent relationships between financial and social. This paper explains about how the institutional economy in this case the Islamic cooperative understands the form of interaction between individuals, organizations in establishing mutually supportive relationships. What is the form of sustainability of Islamic cooperative financial institutions through its ability to respond to the needs of its members towards the needs of venture capital without applying interest and profit sharing. In the sense of the word form of work of this Islamic cooperative institution based on the concept of help to help members of the cooperativ
IMPLEMENTASI ISLAMIC TOURISME DALAM MENINGKATKAN PENGHASILAN IBU-IBU RUMAH TANGGA MISKIN DI KOTA PADANG
Full text linkThis paper discusses the concept of Islamic tourism. This research is focused to find out the implementation and development of Islamic tourism on the Padang coast and then to find out its impact in increasing the income of housewives on Padang Beach. This study uses a qualitative approach in obtaining and processing desired data. Then the data obtained is described to be able to describe the development of Islamic tourism on the coast of Padang. Data collection for research purposes obtained through interviews, observations, and documentation. The results of this study are tourist attractions in Padang beach are still heading to the characteristics of halal tourism, because there are still several places that violate the characteristics of halal tourism. Then business people who are around the coast of Padang strongly support the existence of halal tourism discourse in the city of Padang. The income of housewives who have businesses around the coast of Padang has increase
PENGARUH RELIGIUSITAS DAN KOMUNITAS TERHADAP MOTIVASI BERWIRAUSAHA PARA PEMUDA
Full text linkThe purposes of the study were to determine how the influence of religion and community on the entrepreneurial motivation of youth. The data used in this study are primary data as many as 20 young people as a sample who are members of the hijrah youth community Padang Gantiang Batusangkar. Data obtained by interview technique through questionnaire using Likert scale. The research model is multiple linear regression by making religion and community as independent variables while entrepreneurial motivation is the dependent variable. The data is then processed with the SPSS program to answer research questions. The results indicated that there is a significant influence between religiosity and entrepreneurial motivation of youth, while community variables do not significantly influence the entrepreneurial motivation of youth. The results of this study explain that to build entrepreneurial motivation for youth, the role of religiosity is neede
PERSEPSI TERHADAP WISATA HALAL DI KOTA PADANG
Full text linkHalal tourism is tourism that puts forward the values and norms of Islamic Sharia as a basic foundation. As a new concept in the tourism industry, halal tourism requires efforts and development strategies as well as a comprehensive understanding of how to accommodate Islamic values in tourism activities. This study aims to see how the perception of tourist visitors in the city of Padang, one of the National Priority Halal destinations. This research is a descriptive study with a survey method conducted on 100 respondents chosen randomly in Padang destinations and tourist attractions. The halal tourism dimension is adapted from indicators applied by the Global Muslim Travel Index (GMTI
FORECASTING SAHAM SYARIAH DENGAN MENGGUNAKAN LSTM
Full text linkIslamic stocks as one of the many stocks listed on the JCI are a barometer of the Islamic market in Indonesia. One approach in predicting stock prices is by using machine learning. The purpose of this study is to make a model that is used to predict JII shares using the LSTM approach. The data used amounted to 1402 records related to the Jakarta Islamic Index (JII) stock from March 4, 2014 - January 2, 2019. Model making uses 3 Epochs (1, 10 and 20). The results showed the best model was to use 20 Epochs. The increase in Epoch affects the value of MSE and RMSE which are getting smaller. For Epoch 20, the values of MSE and RMSE are ~ 0.00019 and ~ 0.014, respectively
PENGARUH KEDALAMAN JANGKAUAN PEMBIAYAAN TERHADAP KEBERLANJUTAN KEUANGAN LEMBAGA KEUANGAN MIKRO SYARIAH
Full text linkAnalysis of the sustainability of the microfinance institutions cannot be separated from its outreach. This study aims to analyze the effect of the depth of outreach on financial sustainability in the Koperasi Jasa Keuangan Sharia Baitul Maal wa Tamwil (KJKS BMT) kelurahan Kota Padang. This study is an analysis of causality. The analysis was carried out for two years of financial statements, 2014 and 2015. Samples were taken using a purposive sampling approach. The financial sustainability issues are analyzed with two variables, namely return on assets (ROA) and non-performing financing (NPF) which are used as dependent variables in multiple regression models. As independent variables, the average value of financing provided by the KJKS BMT kelurahan Kota Padang is used as a proxy for the level of the depth of outreach and several other control variables. The results of this study reveal that there is a trade-off between the depth of outreach from financing services to poor households to the BMT KJKS kelurahan Kota Padang and financial sustainability as is the case in conventional microfinance institutions. So, naturally in practice there will be reluctance in the KJKS of BMT Kota Padang urban village to provide financing services to poor households because of their negative financial performance
FUNDRAISING ZAKAT PADA BAZNAS KABUPATEN TANAH DATAR PASCA PERATURAN BAZNAS NOMOR 02 TAHUN 2016 TENTANG PEMBENTUKAN DAN TATA KERJA UNIT PENGUMPUL ZAKAT
Full text linkThe purpose of this study was to explain the strategies and constraints of zakat fundraising on BAZNAS in Tanah Datar District after the BAZNAS Regulation Number 02 of 2016 concerning the Establishment and Administration of Zakat Collection Units. This type of research is field research with a descriptive qualitative approach. The results showed that the fundraising strategy implemented by BAZNAS in Tanah Datar District before and after or after the BAZNAS Regulation No. 02 of 2016 concerning the Establishment and Work Procedure of the Zakat Collection Unit was almost the same. The strategies are: first, a direct strategy, which includes: conducting zakat socialization, opening zakat outlets / counters, serving zakat consultations via telephone, serving picking up zakat, infaq, and almsgiving, and serving zakat receipts at the office. Second, the indirect strategy includes media campaigns and submission of BAZNAS reports in Tanah Datar District. Nevertheless there are emphases on several aspects after the issuance of these regulations. While the constraints faced by BAZNAS Tanah Datar District are: First, the derivation of regulatory uncertainty after the issuance of BAZNAS Regulation No. 02 of 2016 concerning the Establishment and Work Procedure of the Zakat Collection Unit. Second, the management's desire to focus on the ASN zakat that has not been managed 100%. Third, lack of human resources in the area of zakat fundraising
STUDI PENGELOLAAN ZAKAT DI MALAYSIA
Full text linkThe study of zakat in Malaysia is very interesting when it is associated with the way it is managed. Malaysia is one of the countries that regulates the issue of zakat, even though it is determined by the power of each country. In Malaysia there is no zakat law in the rank of nationality which can unite the zakat management system. In addition, the management of zakat is also still based on the policies of the territories of the fellowship and their respective countries. The management of zakat in Malaysia must determine the direction and have clear ownership in the management of zakat assets collected from muzakki. The objectives in the management of zakat are always directed to: First, increase zakat and payers levies. Secondly, it facilitates the rules of zakat payment. Third, educating Muslims about the obligation to pay alms. Fourth, introducing corporate management in zakat collection by using information and communication technology (ICT)
FASILITAS DISKONTO (DISCOUNT WINDOWS) SEBAGAI INSTRUMEN MONETER DITINJAU DALAM PERSPEKTIF EKONOMI ISLAM
Full text linkThe government has an important role in the welfare of the people's economy. One of them is through the role of the central bank by carrying out monetary policy. This policy was adopted by the central bank or Bank Indonesia (BI) through several instruments, including through regulating discount rates for commercial banks. In this case, BI sets the inflation target as a reference for determining interest rates. When the inflation rate exceeds the targeted, BI will raise interest rates which in turn will reduce the credit issued by commercial banks to the public, because commercial banks must pay higher interest rates to the central bank. And the results of the analysis that the interest rate charged in the credit (Lending Facility) discount facility is classified as an act of usury. Meanwhile, the profits obtained from the deposit of funds in the Facility Deposit transaction are not permitted in the Islamic economy, because in the Islamic economy there is no interest rate but profit sharing, given the fixed and concrete interest rates. In addition, the discount facility is also incompatible with some Islamic economic principles, including; the principle of Illahiyah, Justice, and the government