Online Journals Publications IAIN Langsa (Institut Agama Islam Negeri Zawiyah Cot Kala Langsa)
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Moralitas di Dunia Maya: Hukum Mengemis Online Live Tik Tok dalam Perspektif Al-Ghazali
Get PDFThe rise of controversy programs on live Tik Tok is very detrimental to various parties. One of them is the trend of begging online to generate massive rupiah coffers. Open-access digital platforms should require users to be careful because they become public consumption. In fact, this application is used to beg openly and even display the user's name and face. This study aims to analyze the phenomenon of online begging from the live Tik Tok perspective of Imam Al Ghazali. This research method is qualitative research with a focus on literature research. The data analysis used in this study is descriptive qualitative analysis. The result is that begging online is haram because it is deceitful and takes advantage of certain circumstances to get as many gifts as possible. This is evidenced by the aqli arguments about begging, the impact of online begging on live Tik Tok, and Imam Al Ghazali's perspective regarding begging
Tinjauan Hukum terhadap Fenomena Kawin Kontrak dalam Ranah Keperdataan; Urgensi Formulasi Hukum
Get PDFIdeally, the principles of law, religion, and social norms in Indonesia establish marriage as a long-term bond characterized by mutual respect and responsibility, aimed at forming a harmonious family. However, in reality, contract marriages, which are driven by subjective agreements and have a fixed term, contradict these norms and are not recognized under the Civil Code (KUHPER). This practice results in negative consequences such as pornography, prostitution, human exploitation, trafficking, and domestic violence. This study identifies the discrepancy between the ideal principles and the actual practice of contract marriages and proposes direct criminal sanctions as a more effective solution to address this issue. The research is classified as a qualitative library study. The methodology employed is a normative juridical approach with qualitative descriptive analysis of legal regulations and contract marriage practices. The findings indicate that contract marriages are inconsistent with civil law principles and potentially violate criminal law. Therefore, it is crucial to develop a more comprehensive legal framework by implementing direct criminal penalties, bypassing civil violations. This approach is expected to provide a stronger deterrent effect against perpetrators and reduce the prevalence of contract marriages in Indonesia
Opportunities and Challenges of Islamic Economics in Empowering Agrarian Communities
Get PDFIdeally, the application of Islamic economics in empowering the agrarian community in Kerinci Regency could provide significant opportunities to improve farmers' welfare through Sharia principles such as profit-sharing and fair rental systems. However, the reality on the ground reveals several challenges, including a lack of understanding of Islamic economics, limited access to modern technology, and issues in capital management and market access. This study aims to explore the opportunities and challenges of Islamic economics in the context of agrarian empowerment in Kerinci Regency and to provide strategic recommendations to address these obstacles. This article falls under field research with a qualitative approach, utilizing a case study method. The research concludes that, despite its challenges, consistent application of Islamic economic principles can enhance productivity and welfare for farmers and positively impact the mechanisms of agrarian empowerment in accordance with Islamic economic principles
Business Ethics in Islamic Perspective: Basic Concepts, Application, and True Success
Get PDFIdeally, business should be conducted ethically and honestly, as it involves interactions with others. However, in reality, many entrepreneurs engage in fraudulent practices to gain greater profits. This gap has prompted the author to explore how Islam formulates its business concepts. The aim of this research is to explore the basic concepts of Islamic business ethics, analyze the application of these principles in business practice, and determine the indicators of true success from an Islamic perspective. This article is classified as a library research with a qualitative approach. The methodology used is descriptive analysis. The findings reveal that while there is a good understanding of Islamic business ethics principles, their application often lacks consistency with theory, particularly in aspects of social responsibility and spiritual good. The study finds that to achieve true success, businesses must balance worldly profits with social contributions and charitable acts
Hubungan Capital Adequacy Ratio, Inflasi dan Kurs Terhadap Non Performing Financing Sektor UMKM Pada Perbankan Syariah
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This study aims to determine the relationship in causality, short-term and long-term relationships as well as the variable response of Capital Adequacy Ratio, inflation, exchange rates and Non-Performing Financing of the MSME sector in Islamic banking in Indonesia. The data sources used in this study are secondary data sources obtained from OJK and BI which were published for 6 consecutive years as many as 72 samples. The data analysis method in this study uses Vector Error Correction Model (VECM) analysis for short-term and long-term analysis of the influence between variables. The results revealed that there is a long-term influence of Capital Adequacy Ratio and Inflation variables on Non-Performing Financing. Meanwhile, in the short term, the variable Capital Adequacy Ratio and inflation do not affect Non-Performing Financing. On the other hand, in the long and short term, there is no influence of exchange rate variables on Non-Performing Financing. Furthermore, Capital Adequacy Ratio, Inflation and exchange rates simultaneously affect Non-Performing Financing in the MSME sector in Islamic banking in Indonesia. The implications of these findings can be the basis for Islamic banks and regulators to develop more effective policies in managing NPF risk and supporting the growth of the MSME sector.
Penelitian ini bertujuan untuk mengetahui hubungan secara kausalitas, hubungan secara jangka pendek dan jangka panjang serta respon variabel Capital Adequacy Ratio, inflasi, kurs dan Non Performing Financing sektor UMKM pada perbankan syariah di Indonesia. Sumber data yang digunakan dalam penelitian ini adalah sumber data sekunder yang diperoleh dari OJK dan BI yang di publish selama 6 tahun berturut-turut sebanyak 72 sampel. Metode analisis data dalam penelitian ini menggunakan analisis Vector Error Correction Model (VECM) untuk analisis jangkan pendek dan jangka panjang pengaruh antar variabel. Hasil penelitian mengungkapkan bahwa terdapat pengaruh secara jangka panjang variabel Capital Adequacy Ratio dan Inflasi terhadap Non Performing Financing. Sedangkan dalam jangka pendek variabel Capital Adequacy Ratio dan inflasi tidak berpengaruh terhadap Non Performing Financing. Di sisi lain, secara jangka panjang maupun jangka pendek, tidak terdapat pengaruh variabel kurs terhadap Non Performing Financing. Selanjutnya, Capital Adequacy Ratio, Inflasi dan kurs secara simultan berpengaruh terhadap Non Performing Financing sektor UMKM pada perbankan syariah di Indonesia. Implikasi dari temuan ini dapat menjadi dasar bagi perbankan syariah dan regulator untuk mengembangkan kebijakan yang lebih efektif dalam mengelola risiko NPF dan mendukung pertumbuhan sektor UMKM
Income Analysis of Clothing Merchants in Langsa Town Square
No full textThis article aims to analyze the income of clothing traders in Langsa Town Square (LATOS). After conducting a survey of 87 clothing traders in LATOS through questionnaires and carrying out multiple linear regression using the SPSS version 20.0 program, it was found that simultaneously the income of clothing traders in LATOS was influenced by capital, location and promotion with a sig value of 0.000 <0.05. So if the trader increases capital by 1%, it is predicted that income will increase by 34%. Then, if the location is easier to reach by the community, income will increase by 17%. And if the merchant increases the promotion by 1%, the income will increase by 14% assuming a fixed capital and location. The implication of the results of this study is that financial institutions need to provide easy access to capital for traders to add more product variations to selling clothing. Langsa City Government needs to improve and complete facilities at LATOS such as parking lots
Persepsi masyarakat terhadap gadai lahan tambak di Gampong Rantau Panjang Kabupaten Aceh Timur
No full textPenelitian ini bertujuan untuk mengetahui persepsi masyarakat terhadap gadai lahan tambak di Gampong Rantau Panjang Kecamatan Ranau Selamat Kabupaten Aceh Timur, dan Untuk mengetahui praktek gadai lahan tambak di Gampong Rantau Panjang Bayeun Kecamatan Rantau Selamat Kabupaten Aceh Timur tinjauan perspektif ekonomi Islam. Untuk memperoleh jawaban peneliti menggunakan metode penelitian lapangan (field research) bersifat kualitatif. Hasil penelitian menunjukkan bahwa Presepsi Masyarakat terhadap praktik gadai lahan tambak yang dilaksanakan oleh masyarakat Gampong Rantau Panjang Kabupaten Aceh Timur yakni masyarakat merasa sangat terbantu karena adanya kebiasaan sistem gadai tersebut dikarenakan masyarakat tidak perlu repot mengurus gadai pada lembaga keuangan non bank yang tentunya prosesnya lebih terstuktur namun lama. Serta masyarakat melakukan sistem gadai sesuai kesepakatan kedua belah pihak sehingga masyarakat mengira hal itu menjadi boleh. Pelaksanaan praktik gadai lahan tambak yang dilaksanakan olehmasyarakat Gampong Rantau Panjang Kabupaten Aceh Timur belum sesuai dengan prinsip ekonomi Islam. Hal ini dikarenakan praktik gadai belum berlandaskan prinsip ekonomi Islam yaitu prinsip tauhid, keseimbangan, dan prinsip keadilan. Hal paling mendasar dan yang belum sesuai dengan prinsip ekonomi Islam ialah penambahan pokok hutang dan pemberian bagi hasil, walaupun dengan alasan untuk mendisiplinkan rahin dalam membayar hutangnya serta dilakukan dengan musyawarah itu dilarang dalam konsep ekonomi Islam karena setiap hutang yang menarik manfaat adalah riba
Pengaruh literasi keuangan, efikasi diri, dan pendapatan orang tua terhadap perilaku pengelolaan keuangan
No full textHaving good financial management behavior can help students achieve positive finances and be able to overcome any challenges, especially in terms of financial problems that are more complex than those of their parents. This study aims to determine the effect of Financial Literacy, Financial Self-Efficacy and Parental Income on Financial Management Behavior. The subjects of this study were students of the Islamic Financial Management Study Program at IAIN Langsa. This research is a quantitative research with a sample of 72 respondents. The sampling technique uses nonprobability sampling. Data analysis technique using multiple regression analysis. The results of this study indicate that partially Financial Literacy (X1) has a negative and insignificant effect on Financial Management with a significant value of 0.174. Partially Financial Self Efficacy (X2) has a positive and significant effect on Financial Management with a significant value of 0.000. Partially Parental Income (X3) has a negative and insignificant effect on Financial Management with a significant value of 0.153. Simultaneously Financial Literacy, Financial Self Efficacy and Parental Income have a positive and significant effect on Financial Management Behavior with a significant value of 0.000. The Adjusted R Square value is 0.417 or 41.7% which means that Financial Management Behavior can be explained by Financial Literacy, Financial Self-Efficacy and Parental Income and the remaining 58.3% can be explained by other factors not examined in this study
Pengaruh debt financing, equity financing dan non performing financing terhadap profitabilitas Bank Umum Syariah di Indonesia periode 2019-2023
No full textThe sharia economy in Indonesia is now increasingly in demand, moreover sharia banking in Indonesia is also starting to experience quite significant developments. Sharia commercial banks are financial institutions that carry out their operations based on sharia principles, in accordance with the provisions of Islamic law. The level of profitability of a sharia bank is a quality that is assessed based on the condition or ability of a sharia bank to generate profits. The aim of this research is to analyze the influence of Debt Financing, Equity Financing, and Non Performing Financing (NPF) on the ROA profitability of sharia commercial banks. The method used in this research is a quantitative method with the data source used from the 2019-2019 sharia banking statistics annual report. 2023 OJK. This research uses the normality test method, multicollinearity test, heteroscedasticity test, autoceleration test, multiple regression analysis test, determinant coefficient test, partial test and simultaneous test. The research results obtained show that the Equity Financing variable has a positive and significant influence on the ROA Profitability of Sharia Commercial Banks for the 2019-2023 period. Debt Financing and Non-Performing Financing (NPF) have a positive and insignificant effect on ROA Profitability of sharia commercial banks for the 2019-2023 period. This indicates that the decrease in NPF each year does not immediately provide an increase in profits in the same period.
Keywords: Debt Financing, Equity Financing, Non Performing Financing, ROA.
ABSTRAK
Perekonomian syariah di Indonesia kini semakin banyak diminati, terlebih lagi perbankan syariah di Indonesia juga mulai mengalami perkembangan yang cukup signifikan. Bank umum syariah adalah lembaga keuangan yang menjalankan operasionalnya berdasarkan prinsip-prinsip syariah, sesuai dengan ketentuan hukum Islam. Tingkat profitabilitas bank syariah merupakan suatu kualitas yang dinilai berdasarkan keadaan atau kemampuan suatu bank syariah dalam menghasilkan laba. Tujuan dari penelitian ini adalah untuk menganalisi pengaruh Debt Financing, Equity Financing, dan Non Performing Financing (NPF) terhadap ROA profitabiltas bank umum syariah motode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan sumber data yang digu
ABSTRACT
The sharia economy in Indonesia is now increasingly in demand, moreover sharia banking in Indonesia is also starting to experience quite significant developments. Sharia commercial banks are financial institutions that carry out their operations based on sharia principles, in accordance with the provisions of Islamic law. The level of profitability of a sharia bank is a quality that is assessed based on the condition or ability of a sharia bank to generate profits. The aim of this research is to analyze the influence of Debt Financing, Equity Financing, and Non Performing Financing (NPF) on the ROA profitability of sharia commercial banks. The method used in this research is a quantitative method with the data source used from the 2019-2019 sharia banking statistics annual report. 2023 OJK. This research uses the normality test method, multicollinearity test, heteroscedasticity test, autoceleration test, multiple regression analysis test, determinant coefficient test, partial test and simultaneous test. The research results obtained show that the Equity Financing variable has a positive and significant influence on the ROA Profitability of Sharia Commercial Banks for the 2019-2023 period. Debt Financing and Non-Performing Financing (NPF) have a positive and insignificant effect on ROA Profitability of sharia commercial banks for the 2019-2023 period. This indicates that the decrease in NPF each year does not immediately provide an increase in profits in the same period.
Keywords: Debt Financing, Equity Financing, Non Performing Financing, ROA.
ABSTRAK
Perekonomian syariah di Indonesia kini semakin banyak diminati, terlebih lagi perbankan syariah di Indonesia juga mulai mengalami perkembangan yang cukup signifikan. Bank umum syariah adalah lembaga keuangan yang menjalankan operasionalnya berdasarkan prinsip-prinsip syariah, sesuai dengan ketentuan hukum Islam. Tingkat profitabilitas bank syariah merupakan suatu kualitas yang dinilai berdasarkan keadaan atau kemampuan suatu bank syariah dalam menghasilkan laba. Tujuan dari penelitian ini adalah untuk menganalisi pengaruh Debt Financing, Equity Financing, dan Non Performing Financing (NPF) terhadap ROA profitabiltas bank umum syariah motode yang digunakan dalam penelitian ini adalah metode kuantitatif dengan sumber data yang digunakan dari laporan tahunan statistik perbankan syariah tahun 2019-2023 OJK. Penelitian ini menggunakan metode uji normalitas, uji multikolinearitas, uji heteroskedastisitas, uji autokelerasi, uji analisis regresi berganda, uji koefisien determinan, uji parsial dan uji simultan. Hasil penelitian yang diperoleh menunjukan bahwa variabel Equity Financing memiliki pengaruh positif dan signifikan terhadap ROA Profitabilitas Bank Umum Syariah periode 2019-2023. Debt Financing dan Non Performing Financing (NPF) berpengaruh positif dan tidak signifikan terhadap ROA Profitabilitas bank umum syariah periode 2019-2023. Hal ini menandakan menurunnya NPF setiap tahunnya tidak langsung memberikan kenaikan terhadap laba pada periode yang sama.
Kata Kunci: Debt Financing, Equity Financing, Non Performing Financing, ROA.
nakan dari laporan tahunan statistik perbankan syariah tahun 2019-2023 OJK. Penelitian ini menggunakan metode uji normalitas, uji multikolinearitas, uji heteroskedastisitas, uji autokelerasi, uji analisis regresi berganda, uji koefisien determinan, uji parsial dan uji simultan. Hasil penelitian yang diperoleh menunjukan bahwa variabel Equity Financing memiliki pengaruh positif dan signifikan terhadap ROA Profitabilitas Bank Umum Syariah periode 2019-2023. Debt Financing dan Non Performing Financing (NPF) berpengaruh positif dan tidak signifikan terhadap ROA Profitabilitas bank umum syariah periode 2019-2023. Hal ini menandakan menurunnya NPF setiap tahunnya tidak langsung memberikan kenaikan terhadap laba pada periode yang sama.
Kata Kunci: Debt Financing, Equity Financing, Non Performing Financing, ROA
The Relevance of Stoic Principles and Contentment According to Hadith in Kutub Al-Sittah
No full textThis article explores the philosophy of stoicism, widely embraced and studied by millennials as a means to address life challenges. The primary aim of this study was to examine the relationship between stoicism and the concept of qana'ah in Islamic teachings, as reflected in the Hadiths of the Kutub Al-Sittah. The analysis focused on Hadiths transmitted by Bukhari on the wealth of the heart, Tirmidhi on qana'ah, and Ibn Majah on the virtues of wara' and asceticism. The findings reveal that both qana'ah and stoicism emphasize self-control in responding to negative emotions and psychological disturbances. They also underscore the distinction between what can be controlled and what cannot, urging individuals to refrain from dwelling on uncontrollable factors. Additionally, both philosophies advocate gratitude, positive assumptions (husnudzan), and sincere acceptance of circumstances, whether favorable or not. Despite their similarities, stoicism primarily centers on self-control, whereas qana'ah consistently incorporates divine values into every aspect of life events. In conclusion, stoic teachings bear a significant resemblance to qana'ah teachings found in the Hadiths of the Prophet Muhammad. This piece offers novel perspectives on the evolution of spiritual thought in the intricate context of modernity.This article explores the philosophy of stoicism, widely embraced and studied by millennials as a means to address life challenges. The primary aim of this study was to examine the relationship between stoicism and the concept of qana'ah in Islamic teachings, as reflected in the Hadiths of the Kutub Al-Sittah. The analysis focused on Hadiths transmitted by Bukhari on the wealth of the heart, Tirmidhi on qana'ah, and Ibn Majah on the virtues of wara' and asceticism. The findings reveal that both qana'ah and stoicism emphasize self-control in responding to negative emotions and psychological disturbances. They also underscore the distinction between what can be controlled and what cannot, urging individuals to refrain from dwelling on uncontrollable factors. Additionally, both philosophies advocate gratitude, positive assumptions (husnudzan), and sincere acceptance of circumstances, whether favorable or not. Despite their similarities, stoicism primarily centers on self-control, whereas qana'ah consistently incorporates divine values into every aspect of life events. In conclusion, stoic teachings bear a significant resemblance to qana'ah teachings found in the Hadiths of the Prophet Muhammad. This piece offers novel perspectives on the evolution of spiritual thought in the intricate context of modernity