Jurnal Ilmiah Ekonomi Islam
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Strategi Pengembangan Sumber Daya Manusia (SDM) Baitul Mal Wat Tamwil di Sumatera Utara
Get PDFThis study aims to determine the current state of the internal and external environment of BMT human resources in North Sumatra to determine the baitul mal wat tamwi human resource development strategy in North Sumatra. This type of research uses a qualitative approach using a SWOT analysis. This research was conducted directly at BMTs in North Sumatra, namely BMT Masyarakat Madani, BMT Raudhah, and BMT Al-Musabbihin. The research time started in June 2022, and it is finished. The researchers obtained it from the company and managers in the company, including managers and administrators in the two BMTs. The research object in question is the Human Resources (HR) development strategy for BMT Civil Society, BMT Raudhah BMT Al-Musabbihin, and its influence on the resilience of BMT and its impact on the welfare of MSMEs. The primary data source in this thesis is taken from answers to questionnaires distributed to respondents through direct interviews with the subject of the BMT management or those in charge of the BMT institution.Data obtained from other sources, researchers also include secondary data as a reinforcement of arguments, both from various literature such as previous research journals, both national and international, books, statistical data, and so on. After being seen from the internal environment, the study results stated that the BMT Human Resource Development Strategy in North Sumatra consisted of strengths, namely clear legal aspects of BMT and good relations between employees. At the same time, the weaknesses consist of human resources who tend not to be graduates of Islamic economics, family management, and human resource capabilities and competencies that still need them. Not active in the BMT forum/organization. When viewed from the external environment, it consists of opportunities, namely Linkage with Islamic Banks. At the same time, the threats are the lack of government support, minimal financial support, and the issue of the industrial revolution 5.0. A microfinance institution emerged. Furthermore, based on the results of the SWOT matrix analysis, after processing the IFE and EFE matrices, the resulting strategy quadrant is in quadrant 1, namely the progressive strategy. The approach used to develop BMT human resources in North Sumatra is the BMT SO Strategy will continue to make clear legality as a reinforcement for the establishment of BMT, continue to establish good relations between employees and take advantage of BMT links with Islamic Banks. As a strategy analysis from the author for BMT to utilize digitalization of BMT in promoting the presence of BMT or other social media
Pengaruh Tingkat Inflasi dan Nilai Tukar Rupiah Terhadap Penyaluran Kredit Rahn PT. Pegadaian Syariah Periode Tahun 2011-2022
Get PDFPenelitian ini merupakan penelitian yang digunakan untuk mengukur pengaruh tingkat inflasi dan nilai tukar rupiah terhadap penyaluran kredit rahn PT. Pegadaian Syariah periode tahun 2011-2022. Penelitian yang digunakan peneliti untuk menyusun penelitian ini adalah jenis penelitian kuantitatif. Sampel penelitian ini adalah data yang dikumpulkan berupa tingkat inflasi, nilai tukar dan penyaluran kredit di Pegadaian syariah yang diambil dengan data tahunan. Penelitian ini menggunakan data yang dipublikasikan baik melalui media elektronik mauoun media cetak yang menjadi bagian penting dalam perolehan data penelitian dengan jangka waktu 2011-2022. Penelitian ini menggunakan alat analsis SPSS 25 sebagai acuan untuk menganalisa data dan menarik kesimpulan dari hasil penelitian. Hasilnya penelitian ini memberikan penjelasan bahwa variabel inflasi tidak berpengaruh terhadap penyaluran kredit di Pegadaian Syariah, sedangkan variabel nilai tukar berpengaruh terhadap penyaluran kredit di Pegadaian Syariah. Penelitian ini memiliki keterbatasan objek penelitian yang hanya mengambil data tahunan yang dikumpulkan berupa tingkat inflasi, nilai tukar dan penyaluran kredit di Pegadaian syariah. Hal ini dapat menjadi saran untuk peneliti selanjutya. Kebaharuan dalam penelitian ini menggabungkan variabel tingkat inflasi dan nilai tukar rupiah terhadap penyaluran kredit rahn pt. pegadaian syariah periode tahun 2011-2022
Perbandingan Financial Distress Sebelum dan Selama Covid-19 pada Perusahaan Sektor Property dan Real Estate Terdaftar Indeks Saham Syariah Indonesia (ISSI)
Get PDFThis study aimed to compare the financial distress of property and real estate sector companies that were listed on the Indonesian Sharia Stock Index before and during Covid-19. The study was comparative quantitative by comparing the data used to determine differences in variables from two groups or the same variable in different time periods. The number of samples used in this study were 31 companies, with the sample collection method in the form of purposive sampling. The data analysis method used is the Altman Z-Score method using four financial ratios taken from the Indonesia Stock Exchange website and the sites of each sample company. The data analysis were the normality test and the Wilcoxon test. This study found that there were significant differences in the level of financial distress in property and real estate sector companies listed on the Indonesian Sharia Stock Index before and during Covid-19
Pengaruh Cash Holdings dan Intelectual Capital Terhadap Nilai Perusahaan Dalam Perspektif Ekonomi Islam
Get PDFThe value of the company is the price that prospective buyers are willing to pay if the company is sold. When a company offers its shares to the market, the value of the company will be reflected in its share price. With the increase in share prices in the market, shareholders will become more prosperous in their shareholdings. The main goal of the company is to maximize the value of the company. Maximizing the value of the company is very important for the company, because maximizing the value of the company also means maximizing the prosperity of shareholders which is the company's main goal. So that the value of the company describes how well or poorly management manages its wealth, in this case it can be seen from the measurement of financial performance obtained. Therefore, the factors that are thought to affect the value of the company include Cash Holdings and Intellectual Capital. The formulation of the problem in this study is how the influence of Cash Holdings and Intellectual Capital. The purpose of this study is to examine and analyze the effect of Cash Holdings and Intellectual Capital. In this study the method of determining the sample using purposive sampling technique. The population in this study is the Sharia Stock Index (ISSI) for the 2016-2020 period. Based on the sample selection, the sample in this study amounted to 18 data samples. The data analysis technique in this study is multiple linear regression analysis using SPSS 25 software. Based on the results of the study, it is stated that the Cash Holdings variable has a significant negative effect on firm value and Intellectual Capital has a significant positive effect on firm value
The Effectiveness Of Sharia Micro-Enterprise Capital Financing On The Development Of Msmes In Indonesia
Get PDFThe existence of micro, small, and medium-sized enterprises (MSMEs) is an important factor in society’s progress. It also plays an important role in Indonesia’s economic recovery process. MSMEs play an important role in the Indonesian economy because of the large number of industries in each economic sector. The purpose of this study is to analyze and determine the effectiveness of business capital financing on MSMEs development in BMT Bina Ummat Sejahtera (BUS) Pondok Gede. Testing the effectiveness of Islamic financial institution financing is important for measuring the extent to which disbursed financing is effective. The research method used was descriptive qualitative, using a case study approach. Data collection techniques included observation, interviews, and documentation to managers and members/customers BMT Bina Ummat Sejahtera (BUS) Pondok Gede. The results of this study show that the business capital financing scheme was implemented by Fatwa DSN-MUI No.07/DSN-MUI/IV/2000 on Mudharabah financing. The effectiveness of business capital financing distribution is measured using five main indicators: accuracy of targets, achievement of goals, program socialization, program monitoring, and financing procedures that have been running effectively and have a positive impact on the development of MSMEs assisted by BMT Bina Ummat Sejahtera (BUS) Pondok Gede
Analisis Determinan Faktor Kepuasan Muzakki Di Yayasan Rumah Bintang Indonesia
No full textIn total, there are 200 muzakki who have distributed their zakat in the Foundation. As a non-profit organization, Rumah Bintang Foundation has very high demands to be able to collect as much zakat as possible and to utilize the collected zakat effectively and efficiently. This study aims to determine the factors that influence the satisfaction of muzakki in distributing their zakat. This research uses multiple linear regression method with SPSS 20 software. This research uses a quantitative approach. This research is used to examine certain populations or samples. Data collection techniques use research instruments, data analysis is quantitative/statistical in nature with the aim of testing the established hypotheses. Sources of data were obtained through the first data from the Rumah Bintang foundation and through interviews. From the results of the SPSS 20.0 output display, it shows that the adjusted R2 is 0.445, this means that muzakki's satisfaction can be explained by the place, product, promotion, and price variables only by 4.45% while the rest (100% -4.45% = 55.5 %) is explained by other variables. The calculation results produce a calculated F of 14.039 with a significance value of 0.001, because the significant value is less than 0.05 then Ha is accepted and Ho is rejected. So it can be concluded that product, place, promotion, and place have an effect on muzakki's satisfaction. Thus, it can be concluded that the null hypothesis which states "there is no influence between satisfaction factors and muzakki satisfaction" cannot be accepted which means accepting the alternative hypothesis which reads "there is influence between the satisfaction factors variables on muzakki satisfaction.
Faktor Dominan Yang Mempengaruhi Pertumbuhan Aset Pada Lembaga Keuangan Mikro Syariah Di Jawa Barat
Get PDFThis study aims to determine the dominant factors affecting the growth of assets of Islamic Microfinance Institutions in West Java. Besides this research is aimed at finding out how much influence the Third-Party Funds (DPK), Financing Received (PYD), Capital, Non-Performing Finance (NPF) and Profit (SHU) on the Growth of Assets of Islamic Microfinance Institutions in West Java. This research was conducted at Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) in West Java with data collection techniques based on published data that have been validated in RAT and analyzed using descriptive analysis methods with a quantitative approach. The variables examined in this study are the variables of DPK, PYD, capital, NPF and Sisa Hasil Usaha (SHU) as independent variables and Asset as the dependent variable. As for testing the hypothesis, multiple correlation regression analysis was used with significance level of 0.05 with the help of the SPSS Version 26 and Microsoft Excel 2019 programs. The results of data processing and analysis in this study can be concluded that the dominant factor affecting the growth of LKMS assets that 1) TPF has a significant effect on assets 2) PYD has a significant effect on assets. 3) Capital has a significant effect on assets 4) NPF does not have a significant effect on assets 5) SHU does not have a significant effect on assets. However, DPK, PYD, Capital, NPF and SHU altogether have an effect on Assets
Komparasi Konsep Harga Perspektif Islam: Ulama Ekonom Klasik dan Kontemporer Abad Pertengahan
Get PDFHarga memiliki peran penting dalam menentukan proses permintaan dan penawaran dalam pasar. Penelitian ini bertujuan untuk mengetahui konsep penetapan harga perspektif Islam dengan sudut pandang ulama ekonom abad klasik dan ekonom abad kontemporer. Metode pengambilan data yang digunakan yakni dengan menggunakan data primer, sekunder, dan tersier. Penelitian ini merupakan penelitian deskriptif melalui studi kepustakaan. Hasil yang didapat adalah kesepakatan umum tentang batasan penetapan harga baik ulama ekonom klasik maupun ulama ekonom kontemporer tidak ada. Secara umum masing-masing menjelaskan bahwa penetapan harga bisa didapat melalui analisis lapangan dengan cara menemui titik temu kurva penawaran dan kurva permintaan serta mencapai titik maslahah umat. Dari kontribusi ulama ekonom klasik tersebut, dapat disimpulkan bahwa konsep harga dalam perspektif Islam menekankan pada keseimbangan pasar dan keadilan ekonomi dengan mempertimbangkan urgensi stakeholder pasar. Selain itu, pemerintah berperan penting dalam mengambil kebijakan penetapan harga yang adil dengan mempertimbangkan faktor-faktor penyebab distorsi pasar dan mengembalikan equilibrium harga pasar. Konsep harga dalam perspektif Islam juga berkaitan dengan konsep uang dan psikologi Islam, di mana harga diri memiliki konsep tersendiri yang dinilai melalui hubungan seseorang dengan sesamanya dan juga hubungannya dengan Tuhan
Analisis Transformasi Halal Awerness dan Teknologi Blockchain Terhadap Penguatan Halal Value Chain Di Indonesia
Get PDFThe purpose of this study is to see whether Halal Awernes can influence the strengthening of the Halal Value Chain, also to see whether Blockchain Technology can affect the strengthening of the Halal Value Chain. This research method uses a quantitative method that proves the theory or results of previous research. The data used are SMEs in Indonesia, with a random sampling method using the formula according to (HOSMER et al., 1997). So that the obtained data that must be taken amounted to 96 respondents throughout Indonesia. Data analysis uses SPSS 26. The results of this study are Halal Awerness and Blockchain Technology have a positive and significant effect on the Halal Value Chain. This means that, the higher the halal awerness of MSMEs towards halal products will further strengthen the implementation of the Halal Value Chain in Indonesia. The higher understanding and use of blockchain technology in MSMEs will further strengthen the implementation of the Halal Value Chain in Indonesia
Perspektif Ekonomi Islam tentang Masyarakat Kesejahteraan dan Keadilan
No full textThis study aims to determine the concept of society from the perspective of Islamic Economics. The research method used is descriptive qualitative, with secondary data sources obtained from books and journal articles. The results of this study explain that the concept of community was built sby Rasulullah SAW when he was in Medina with the concept of the ummah, which was recorded in the Medina charter. Some of the characteristics are the characteristics of the aspired society (civil society). These characteristics are a democratic society that upholds and highly respects human rights, a society with a high commitment to upholding the law, and a professional society. The axiological aspect of Islamic economics on the concept of society, namely Islamic economics, explains that every activity in society is based on devotion to Allah SWT. By prospering the earth, then in the economy, Muslims must prioritize harmony and preservation of nature. The orientation of happiness in Islam is happiness in this world and the hereafte