Jurnal Ilmiah Ekonomi Islam
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Pengaruh Zakat, Infaq, Shadaqah (ZIS) dan Indikator Ekonomi Makro Terhadap Tingkat Kemiskinan di Provinsi Aceh Tahun 2018-2020
Get PDFPoverty is still an ever-present challenge in the development of Indonesia’s economy, therefore the government continues to strive to reduce absolute poverty and inequality. This study aims to examine and analyze the effect of Zakat, Infaq, Sadaqah (ZIS), economic growth, open unemployment and the Human Development Index (HDI) on the poverty rate in Aceh Province in 2018-2020. This study uses panel data regression analysis techniques. Based on testing, the best Fixed Effect Model (FEM) model is obtained. The estimation results show that economic growth has a significant and positive effect on poverty rate, and HDI has a significant and negative effect on poverty rate. While ZIS and open unemployment have no significant effect on poverty. Sufficient and high economic growth must be maintained since apart from being a measure of the success or decline of a region's development, it is also an indicator of people's welfare. Opportunities to increase employment must be continued by providing various kinds of training to the community and labour pool, to reduce the open unemployment rat
Pencegahan Fraud Melalui Sharia Compliance dan Islamic Corporate Governance pada Bank Syariah Indonesia
Get PDFThis research is motivated by the importance of fraud prevention at Indonesian Sharia Banks. This study aims to identify and analyze Fraud Prevention through Sharia Compliance and Islamic Corporate Governance at Indonesian Sharia Banks. This research is a descriptive research with a quantitative approach. The sample in this study were 100 employees of Bank Syariah Indonesia which were taken by random sampling. Data collection techniques by way of observation, questionnaires and questionnaires. The instruments used have been tested for validity and reliability. The collected data were analyzed using the classical assumption test and multiple linear regression with SPSS tools. The results of this study indicate that 1) Sharia Compliance has a positive and significant effect on fraud prevention at Bank Syariah Indonesia, 2) Islamic Corporate Governance has a positive and significant effect on fraud prevention at Bank Syariah Indonesia, and 3) Sharia Compilance and Islamic Corporate Governance together the same positive and significant effect on fraud prevention at Bank Syariah Indonesia. The findings of this study reveal that if Bank Syariah Indonesia wants to improve fraud prevention, it must increase sharia compliance and Islamic corporate governanc
Link And Match Strategy of Islamic Banking Vocational High School Human Resources with the Islamic Banking Industry
Get PDFThe purpose of this study is to determine the strategy used for Link and Match between Islamic banking vocational schools and the Islamic banking industry. The research method uses a qualitative descriptive analysis, by conducting interviews with the Patriot BPRS in Bekasi City and SMK Negeri 5 Bekasi City, the Islamic Banking Study Program. The analytical technique used in this research is an in-depth technique, namely examining problems on a case-by-case basis because qualitative methodologies believe that the nature of a problem will be different from the nature of other problems. The results of this study indicate that the link and match strategy with Islamic banking has been going well in several fields, namely the curriculum sector, the field of industrial relations recruitment and the field of IQF certification. These three fields aim to train the development of individual competencies in order to keep abreast of developments in the Islamic banking industry. Meanwhile, according to the Islamic banking industry, it is very important to carry out a link and match strategy in order to be able to compete with other competitors who have considerable opportunities in other Islamic financial institutions
Marketing Mix and Religion On Customer Interest BSI Branch Pati
Get PDFThis research is intended to provide information about how far the customer's interest or interest in Islamic banking, especially the Indonesian Syari'ah Bank (BSI) Pati Branch, is by observing behavior. There are five factors that influence public interest, namely: product, price, place, and promotion which are referred to as the 4P or marketing mix and one special factor in this case is religion. Religious factors in this study are sharia law and individual beliefs. Furthermore, this study resulted in two findings. First, that the 4P which consist of product, price, place, promotion and religious factors greatly influence the Muslim community to become Islamic banking customers, especially at BSI Pati Branch. Second, religion is the dominant factor that influences people's interest in becoming customers of the Pati Branch of Bank BSI besides the 4P factor
The Existence Of Bank Syariah Indonesia Post-Merger In Denpasar City
Get PDFThe Islamic Banking Revolution is a fairly basic change in a field of Islamic financial institutions that unites the 3 largest Islamic banks in Indonesia, namely Bank Mandiri Syariah, Bank BRI Syariah and Bank BNI Syariah which merge or merge into one called Bank Syariah Indonesia. This new breakthrough regarding the merger of state-owned banks is expected to be a breath of fresh air for all circles, especially non-Muslims to be more receptive to Islamic banking. It is certainly hoped that all Indonesian citizens regardless of their religion can accept Islamic banking as an economic system in Indonesia, especially in the city of Denpasar, which is an Islamic minority. The universal nature of Islamic banks for all people, it is necessary to expand to non-Muslim communities in order to maintain the sustainability and existence of Islamic banks.This research is a field research using qualitative research methods, while the subjects of this research are the internal parties of the Indonesian Islamic Bank in Denpasar City and the community/customers of BSI Denpasar City. Data collection techniques in this study used observation, interviews and documentation techniques. The data validation technique uses credibility test with source triangulation and dependability test.The results of this study indicate that 1) The existence of the Post-Meger Indonesian Islamic Bank in Denpasar City is still able to survive due to their strategy that covers several aspects by implementing the steps taken by Bank Syariah Indonesia in order to continue to exist and survive during the pandemic. Its existence is by implementing the Financing Relaxation program to Reduce Bad Credit Post Mergers during the pandemic, Actively sharing in Community Activities during the pandemic, Business Strategy of Bank Syariah Indonesia Post Mergers during the pandemic (both in terms of survival and marketing by targeting potential customers). 2). The public perception of Denpasar City about the existence of Bank Syariah Indonesia after the merger, both in terms of improving product quality and improving service quality, can be seen from the public perception about the merger of 3 Islamic banks (BSI) is quite good, the majority of Denpasar people already know about the merger of 3 Islamic banks. (BSI). They strongly support this merger because it makes it easier for them to deal with the bank concerned because there are more branches and the reach to the bank is getting closer, both for products and services
Jual Beli Dalam Ekonomi Islam (Aplikasi Jual Beli Dalam Fiqih Dan Perbankan Syariah)
Get PDFPesatnya perkembangan dunia ekonomi khususnya lembaga-lembaga keuangan Islam atau perbankan Islam yang usaha pokoknya tidak lepas dari proses transaksi jual beli bank yang Islami, yakni notabene harus terhindar dari unsur riba, terhindar dari unsur kezdaliman. Dari latar belakang inilah kemudian diangkat salah satu konsep ekonomi yang mengacu pada konsep syariah Jual beli (Al-Bai’) yang dalam operasionalnya menghendaki adanya unsur provit antar penjual dan pembeli. Jual beli merupakan suatu akad yang tertua yang dikenal oleh manusia sekaligus akad yang paling banyak dipraktekkan hingga saat ini, Oleh sebab iru, sebagian dari hukum Islam menamakannya sebagai abu al-uqud atau induk semua akad untuk menunjukkan bahwa semua akad jual beli sebagai akad tertua sekaligus terpenting dalam kehidupan manusia. Dalam hal ini, manusia membutuhkan jual beli sejak manusia itu sendiri mulai membutuhkan makanan, minuman, pakaian, tempat tinggal dan sebagainya yang dimiliki saudaranya. Sementara ia juga membutuhkan barang tersebut. Oleh sebab itu, manusia membutuhkan suatu tertentu cara agar saudaranya tersebut rela memberikan barang yang menjadi kebutuhannya dengan melalui suatu pertukaran yang kemudian disebut jaul beli.
Kata Kunci: jual beli (al-bay’), Fiqh, perbankan Isla
Pengaruh Ukuran Perusahaan, Profitabilitas, dan Net Profit Margin Terhadap Islamic Social Reporting pada Bank Umum Syariah di Indonesia Periode 2017-2021
Get PDFThis study aims to determine company size, profitability, and net profit margin on Islamic Social reporting (ISR) in Islamic Commercial Bank for the 2017 – 2021. This research uses a quantitative approach. The type of data used is secondary data, namely data, obtained from the annual finansial report (annual report) which is published on the official website of each bank for the period 2017 – 2021. The data analysis method used is multiple linear regression analysis. The results of this study indicate that partially the variabel company size and profitability have a significant effect on Islamic Social Reporting with a significant value of 0,44 0,05. Simultaneously shows that the variable size, profitability, and net profit margin together influence Islamic Social Reporting (ISR) 0,043 < 0,05 and the cowfficient of termination is 52,5 % the rest is explained by causes other than research
Aplikasi Kaidah Al-Tawâbi’ Dalam Hukum Ekonomi Syariah
Get PDFKaidah fikih memiliki kedudukan yang sangat urgen dalam penyelesaian persoalan baik di bidang ibadah maupun muamalah, terutama dalam bidang muamalah yang semakin hari kini semakin berkembang. Padanan istilah muamalah adalah hukum ekonomi syariah. Salah satu kaidah yang menjadi pegangan dalam bermuamalah adalah kaidah tentang tawâbi yang berbunyi al-tâbi’ tâbi. Tujuan penelitian ini adalah untuk mengetahui konsep dan aplikasi kaidah tersebut dalam hukum ekonomi syariah serta mengetahui cabang dari kaidah tersebut serta aplikasinya. Hasil penelitian menunjukkan bahwa kaidah pengikut (tawâbi’) ini adalah sesuatu yang eksistensinya tidak dapat berdiri sendiri, akan tetapi mengikuti keberadaan sesuatu yang lain. Kaidah pengikut ini setidaknya memiliki 4 cabang (furû’) kaidah. Dari kaidah-kaidah tersebut setidaknya dapat teraplikasikan terhadap maslaah-masalah transaksi ekonom
Pengaruh Social Environment, Religiosity dan Sharia Financial Knowledge Terhadap Minat Menggunakan Perbankan Syariah (Studi Kasus Pada UMKM Kabupaten Wonogiri)
Get PDFThis study aims to examine whether social environment, religiosity dan sharia financial knowledge give an effect for the interest of Micro Small and Medium Enterprises (MSME), to use syariah banking in one of the district area at Central Java, namely Wonogiri. The method used in this study is a quantitative research with the random sampling technique. The number of the respondent who become sample was 400 MSME in Wonogiri district. The data of this study use likert scale parameters with Partial Least Square method (PLS) and analyze with using SmartPLS 3.0 Software. After doing examination, the findings obtained that Social Environment and sharia financial knowledge give positif and significant effect for the interest MSME using syariah banking. Sharia financial knowledge give the most contribution in affecting the interest UMKM use syariah banking with the result path coefficient 0,404, t-statistic 11,283 dan p-values 0, then social environment with the result path coefficient 0,358, t-satistic 9,694 dan p-values 0. However, it is different from religiosity which gives a negative influence and does not have a significant effect for the interest MSME in using syariah banking the value path coefficient -0,028, t-statistic 0,423 and p-values 0,67
Implementation Of The Islamic Economic System Increasing Community Welfare Based On Maslahah In Indonesia
Get PDFAbstract
Indonesia adalah negara dengan penduduk muslim terbesar di dunia namun masih sering dikaitkan dengan persoalan pengangguran dan kemiskinan. Ekonomi Islam telah memberikan solusi dalam setiap masalah yang ada selama kita berpegang kepada prinsip Al-qur’an dan Sunnah maka segala permasalahan yang terkait bidang sosial, hukum, terlebih dalam bidang ekonomi, akan terselesaikan. Tujuan utama dari sistem ekonomi Islam adalah untuk kesejahteraan umat yang berpedoman pada al-qur’an dan sunnah dan hal yang melandasi semua kegiatan atau transaksi yaitu untuk kemaslahatan masyarakat, sehingga terciptanya kehidupan yang seimbang. Dalam kehidupan masyarakat salah satu sektor yang paling penting yaitu sektor ekonomi, masyarakat biasanya akan berusaha menemukan cara terbaik dalam memenuhi kebutuhan ekonominya. Dintara aturan ekonomi Islam salah satunya adalah distribusi pendapatan atau pengelolaan harta kekayaan, yang berkaitan dengan kebutuhan orang lain maupun diri sendiri, karena diantara tujuan ekonomi Islam adalah seorang muslim harus memperhatikan maslahah daripada utilitas. Ekonomi Islam menekankan pada perilaku individu dan masyarakat yang konsisten terhadap orientasi maslahah, apabila sistem ekonomi Islam diterapkan maka dapat meningkatkan kesejahteraan berbasis maslahah. Yang didasarkan pada prinsip-prinsip yang menjamin keadilan, keberlangsungan lingkungan, dan kesejahteraan sosial. Hal ini dapat terwujud dengan adanya redistribusi kekayaan melalui zakat, infaq, dan sedekah serta menghindari praktik riba dan spekulasi.
Keywords : Sistem Ekonomi, Syariah, Maslaha