Jurnal Ilmiah Ekonomi Islam
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Implementation Of Istishna 'Aqd In The Financial Investment Scheme Of Koperasi Syariah Benteng Mikro Indonesia
Get PDFThis research aims to examine the implementation of Istishna ‘aqd in investment financing at Koperasi syariah BMI, Ciawi branch. The issue addressed in this study is that the Istishna ‘aqd, substantively, is not an investment aqd but rather a sales aqd. Therefore, a comprehensive analysis is needed to determine the permissibility of utilizing the Istishna aqd in investment financing or to explore potential changes in the financing model or ‘aqd used. The research employs a qualitative descriptive method with data collection techniques through interviews and secondary data collection from the website, reports, and guidelines of Koperasi Syariah BMI. The study investigates how the Istishna ‘aqd is implemented in investment financing and its compliance with Sharia principles, aiming to conclude the feasibility of applying the Istishna ‘aqd in investment financing at Koperasi Syariah BMI. Based on the research findings, it is observed that the Istishna ‘aqd scheme applied in investment financing at Koperasi Syariah BMI is more aligned with the Fatwa DSN MUI No 06/DSN MUI/IV/2000 on Istishna, which involves a regular Istishna ‘aqd between two consenting parties. This approach deviates from the guidance of Fatwa DSN MUI No 32/DSN-MUI/IX/2002 on Sharia bonds, where Istishna is used in investment schemes, and is also inconsistent with Fatwa DSN MUI No 22/DSN MUI/III/2002 on parallel Istishna, as the cooperative already possesses a company engaged in building material provision. Despite the compliance of Istishna-based financing in Koperasi Syariah BMI with Fatwa DSN MUI No 06/DSN MUI/IV/2000, it is recommended that the cooperative adopt terminologies such as consumptive financing, productive financing, property ownership financing, or other terms in financing schemes involving Istishna ‘aqd. This suggestion is made due to the fact that cooperative members do not function as investors but as buyers seeking financing for development schemes such as housing, sanitation, and the provision of clean water
Analysis Of The Influence of Organizational Culture, Work Discipline, And Job Satisfaction On Employee Performance At Pt. Bank Syariah Indonesia Office Area Semarang City
Get PDFThis study aims to analyze the significant effect of Organizational Culture, Work Discipline, and Job Satisfaction on Employee Work Productivity with Work Motivation as a Moderating Variable at Bank Syariah Indonesia Branch Office of the Student Army Soldiers in Semarang City, either simultaneously or partially. The population in this study were all employees of Bank Syariah Indonesia Semarang City Area Office, while the sample in this study were 34 respondents who became employees of Bank Syariah Indonesia Semarang City Area Office who were selected using a saturated sampling technique. The data used in this study are primary data obtained through distributing questionnaires. The analysis model used in this study was the Multiple Linear Regression Analysis Model, while the data analysis technique used a simultaneous significance test (F test), coefficient of determination test (R2), and partial significance test (t-test) which were processed with the SPSS 25.00 program. The results of proving the hypothesis and discussion show that the variables of organizational culture, work discipline, and job satisfaction simultaneously have a significant effect on employee performance at PT Bank Syariah Indonesia Semarang City Area Office. Partially, the organizational culture and work discipline variables each have a positive and significant effect, while the job satisfaction variable partially has a positive but not significant effect on employee performance at PT Bank Syariah Indonesia Semarang City Area Office.
Keywords: Employee Performance, Organizational Culture, Work Discipline, Job Satisfactio
Determinants of Human Development Index in Indonesia with Maqashid Sharia approach
Get PDFThe study examines factors that influence the Indonesian Human Development Index using the Maqashid Sharia approach. This study's sample is made up of several provinces with the Human Development Index for different categories of people. Data analysis employs a panel data regression model with a fixed effect model. The study's findings indicate that whereas variables Hifzu al-din, Hifzu al-aql, and Hifzu al-mal have a significant impact on the Index of Human Development, variables Hifzu al-nafs and Hifzu al-nasl have no significant impact on the Index of Human Development. Simultaneously, the variables Hifzu al-din, Hifzu al-nafs, Hifzu al-aql, Hifzu al-nasl, and Hifzu al-mal exhibit significant effects on the Human Development Index. Results of the determination test show that 98% of independent variables can influence dependent variables, with the remaining 2% being affected by variables not examined in this study. The study's findings recommended to the government that they support Hifzu Al-din in reducing crime rates, Hifzu Al-Aql by increasing the average length of schooling, and Hifzu Al-Mal in raising per capita income. By paying more attention to these issues, human development will eventually reach its full potential
Pengaruh Persepsi Kegunaan dan Persepsi Kemudahan Terhadap Loyalitas Dengan Kepuasan Sebagai Variabel Intervening dalam Menggunakan BSI Mobile
Get PDFThe purpose of this study was to determine how the perceived usefulness and convenience affect customer loyalty either directly or through customer satisfaction. The discussion of this research is related to the TAM (technology acceptance model) analysis, where researchers can find out what things are phenomena in BSI Kc customers. Padangsidimpuan customers in using the BSI Mobile application. This research is quantitative research. The sample of this study was 371 samples. The data collection instrument used a closed questionnaire to BSI Kc customers. Padangsidimpuan customers who use the BSI Mobile application. Data analysis using inner model, outer model, and intervening hypothesis testing. Based on the results of the study, it is known that customer satisfaction can explain customer loyalty by 0.363 or 36.3 percent, while 63.7 percent is influenced by other variables outside of this study. The loyalty has an R2 value of 0.368 or 36.8 percent, while 63.2 percent is influenced by other variables in this study. Then there is an influence between the usefulness and ease of using the BSI Mobile application on customer satisfaction. There is an influence between the usefulness and ease of using the BSI Mobile application on customer loyalty. There is no influence between customer satisfaction using the BSI Mobile application on customer loyalty. Customer satisfaction does not mediate the usefulness and ease of using the BSI Mobile application on customer loyalty at BSI Kc. Padangsidimpuan
The Role Of Sharia Marketing In Indonesia: A Systematic Literature Review
Get PDFIndonesia is a predominantly Muslim country, indicating a vast market potential for halal products and services. However, many businesses have yet to fully implement Sharia marketing. This article aims to examine the extent of the role of Sharia marketing in Indonesia. The research method used is a systematic literature review. The literature search was conducted using the Google Scholar database with the assistance of the Publish or Perish 8 application. The search for articles was conducted using the keywords 'Sharia Marketing', 'Sharia Marketing', and 'Islamic Marketing'. A systematic literature review of 27 articles spanning from 2018 to 2023 revealed that Islamic marketing plays an important role in Indonesia. Specifically, it assists in the development of Islamic financial institutions, helps in the development of micro, small, and medium enterprises, and improves the image of educational institutions in Indonesia. The research concludes that implementing Sharia marketing is important for business people
Pengaruh Etika Bisnis Islam Terhadap Kesetiaan Pelanggan Di Koperasi Jaya Abadi Tubanan Kembang Jepara
Get PDFThis research aims to analyze the influence of Islamic business ethics on customer loyalty at the Jaya Abadi Tubanan Kembang Jepara Cooperative through the variables customer commitment trust and relationship benefits. The population in this study was 844 members of the Jaya Abadi Tubanan Kembang Jepara Cooperative. Sampling used the Incidental Sampling technique with the selected criteria being 90 customers. The results of the research show that in Islamic business ethics the customer loyalty at the Jaya Abadi Tubanan Kembang Jepara Cooperative is (1) Customer commitment has no effect on Customer Loyalty. This could happen because the commitment in the questionnaire is about the Bank's service to customers, which can give rise to different perceptions for each customer. (2) Trust has a significant effect on customer loyalty because customers receive transaction protection and obtain their rights in transactions. (3) Relational Benefits have a significant effect on customer loyalty because customers receive service benefits such as a sense of security and calm. (4) Simultaneously Customer commitment, Trust, Relationship benefits have a significant effect on Customer Loyalty as seen from the ANOVA test results thatiatheiacalculated F value is 13.48 while the F table value is 2.70 and the significanceiavalue is 0.00
Peranan Ormas Islam Dalam Penguatan Ekonomi Syariah Di Kepulauan Riau: Perspektif Aspek Ekonomi, Sosial Dan Budaya
Get PDFThis research aims to analyze the role of Islamic organizations in strengthening the sharia economy in the Riau Islands from the perspective of economic, social and cultural aspects. This research method uses qualitative research methods through case studies. The research results show that Islamic organizations have a very important role in strengthening the sharia economy in the Riau Islands region through studying economic, social and cultural perspectives. Islamic organizations are also involved in supervising regional financial management, which seeks to ensure transparency, accountability and efficient use of public budgets as well as providing financial management training and guidance to local communities, so as to increase the capacity to manage regional finances independently. This research provides a better understanding of the role of Islamic mass organizations in the Riau Islands from an economic, social and cultural perspective. It is hoped that the implications of this research can become a basis for local governments and Islamic organizations to increase efforts to implement sharia economics in the Riau Islands region
Peranan Produk Pembiayaan Syariah Dalam Mendorong Pertumbuhan UMKM Pada KSPPS SAMARA Sukoharjo
Get PDFThe growth of Micro, Small and Medium Enterprises (UMKM) is an important focus in supporting a country's economic development. Sharia financing, as a financial instrument based on Islamic principles, offers a significant alternative to support UMKM. This research aims to explore the role of sharia financing products in encouraging UMKM growth, their impact on UMKM growth, as well as supporting and inhibiting factors for the implementation of sharia financing. This research uses a qualitative model with data collection techniques using interview, observation and documentation techniques. The data obtained came from interviews with KSPPS Samara, members and several KSPPS Samara documentation data. The results of the research are: 1) KSPPS plays a positive role in community welfare in various sectors: a) Trade Sector, financing is used for additional business capital and purchasing trade needs. b) Services Sector, used to purchase workshop equipment for motorbike and tire repair services, as well as food and drink services (catering). c) Household sector, used to renovate houses, finance education, purchase motorbikes and meet daily needs. 2) The obstacles faced by KSPPS Samara are: a) Constraints of limited liquidity, the high demand for loans exceeds KSPPS capabilities. b) Constraints in terms of risk level, many UMKM apply for loans and have a high level of risk. c) Lack of collateral or security, which creates doubt in making decisions about granting loans. d) technological and infrastructure limitations. These limitations can slow down the process of applying for financing, evaluating risks and completing transactions
Analisis Perbandingan Efisiensi Kinerja Bank Muamalat Indonesia Sebelum Dan Selama Pandemi Covid-19 Dengan Menggunakan Metode Data Envelopment Analysis (DEA)
Get PDFThe world was faced with the phenomenon of the emergence of the co-19 pandemic in early 2020 which also hit Indonesia. This has caused several economic sectors in Indonesia to be affected, one of which is the Islamic banking sector. The impact felt by Islamic banking is a decrease in financial performance which will interfere with the efficiency of the institution's performance. The type of research in this study is quantitative using the Data Envelopment Analysis (DEA) method, with input variables (Total Assets, Labor Costs, and DPK) and output variables (Financing and Operating Income). By using quarterly data sourced the financial statements of Bank Muamalat Indonesia from the period 2018-2022. The results obtained from this study indicate that the average performance efficiency of Bank Muamalat Indonesia before the covid-19 pandemic was 87.63% and the average during the covid-19 pandemic was 71.38%, meaning that the performance efficiency of Bank Muamalat Indonesia during the covid-19 pandemic decreased by 16.27% from the period before covid-19. From the results of the paired sample t test, it also shows a significant value of 0.00
Pengaruh Jumlah Uang Beredar, Inflasi, dan Suku Bunga BI Rate Terhadap Jakarta Islamic Index (JII) Periode Tahun 2020 – 2022
Get PDFThis research was conducted to analyze the effect of macroeconomic variables, especially the amount of money in circulation, inflation, and the BI Rate on the Jakarta Islamic Index (JII) in the period 2020 – 2022. The data in this study were collected from time series data from the month January 2020 to December 2022 which is carried out by observing the closing price of the stock price index every month. Data analysis used the classical assumption test with the data analysis method using multiple linear regression methods, in addition to that, the F test, t test, and the coefficient of determination were also carried out. The results of the study show that the money supply variable (M2) partially has no significant effect on the Jakarta Islamic Index with a tcount of 1.901 and a ttable of 2.03693. The inflation variable partially has a significant effect on the Jakarta Islamic Index with a tcount of 2.322 and a ttable of 2.03693. Meanwhile, the BI interest rate variable partially has no significant effect on the Jakarta Islamic Index with a tcount of -0.951 and a ttable of 2.03693