Jurnal Ilmiah Ekonomi Islam
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Penerapan Tata Kelola Islam Dalam Perbankan Syariah Di Indonesia: Sebuah Studi Kepustakaan
Get PDFThis study aims to examine how the application of Islamic governance in Sharia banking, especially in Indonesia. The approach used in this study is a qualitative approach by applying library research methods. The data used in this study is secondary data which are books and articles related to the topics discussed taken from accounting journals. The development of the Sharia banking industry can be seen from the increasing variety of Sharia banking products and the growing network of Sharia banking services. The results of literature study indicate that with the development of Sharia banking, governance in the Sharia banking industry is becoming increasingly important to implement. The importance of Islamic governance occurs through its role in ensuring and maintaining the trust of the Sharia banking and finance industry from the perspective of its stakeholders. This study shows that the application of Islamic governance in Indonesia is regulated by Bank Indonesia Regulations. Indonesian Sharia Banking must be guided by various provisions and requirements related to the implementation of governance and must comply with sharia principles. However, in general, Sharia Banking in Indonesia is still unable to implement Islamic governance in its daily operational activities
Analisis Preferensi Masyarakat Kalimantan Selatan Pada Bank Syariah Pasca Merger 3 Bank Umum Syariah (BUS)
Get PDFBerangkat dari adanya merger 3 Bank Umum Syariah (BUS) yaitu, BRI Syariah, Bank Syariah Mandiri, dan BNI Syariah penelitian ini dilakukan sehingga bertujuan untuk menganalisis pengaruh dari variabel Literasi, Inklusi, Reputasi dan Religiusitas terhadap preferensi masyarakat Kalsel pada Bank Syariah Pasca Merger 3 BUS tersebut. Metode penelitian yang digunakan adalah penelitian kuantitatif dan pendekatan deskriptif kemudian dianalisis menggunakan regresi linier berganda. Hasil penelitian menunjukkan 1) secara simultan, adanya pengaruh dari seluruh variabel independen penelitian terhadap preferensi masyarakat Kalimantan Selatan pada Bank Syariah pasca merger 3 bank umum syariah, 2) secara parsial hanya variabel reputasi yang berpengaruh secara signifikan terhadap variabel Y
What Determines Metropolitan Jakarta’s Muslim Intention to Use M-Banking?
No full textThe purpose of this study was to determine the factors that influence the usefulness, trustworthiness, and acceptance of M-Banking. The theoretical framework used in this study is the Technology Acceptance Model (TAM), with the addition of perceived risk and trust variables. Research data collected from 265 Muslims in the Jakarta Metropolitan area were analysed using a statistical method known as Partial Least Squares Path Modeling. These findings indicate that the intention to use M-Banking is positively and significantly influenced by trustworthiness, easiness, and perceived risk. Meanwhile, the intention to use M-Banking is not affected based on the perceived usefulness. According to the findings, perceived usefulness and easiness have a positive and significant effect on trust. Furthermore, perceived risk and easiness have a positive and significant effect on perceived usefulness. Practical implications by considering the antecedents of usefulness, trust and acceptance of M-Banking, the banking industry can improve the service quality and security of M-Banking
Studi Komparatif Makro Ekonomi Pemikiran Cendikiawan Muslim Klasik dan Kontemporer (Abu Ubaid, Abu Yusuf, Yahya Bin Adam, Muhammad Abdul Manan, dan M. Umer Chapra)
Get PDFThe rapid development of the times makes the minds of Classical economists are increasingly being forgotten, even their books are no longer available copy it for adoption in order to realize macroeconomic science that completely in accordance with the concept of sharia. This seems comparable contrary to the thinking of contemporary economists who until now His works are still in great demand by academics The results of a comparative study of the thoughts of classical and contemporary Muslim figures have differences and similarities both in the field of monetary economics and fiscal economics. The type of research in this article is a type of research using library research. The results of a comparative study of the thoughts of classical and contemporary Muslim figures have differences and similarities in both monetary and fiscal economics. The equation about the source of state income is shadaqah, zakat and taxes. Similarities in monetary economics regarding the function of money and the prohibition of usury in financial transactions. In terms of differences in sources of income, in classical times wars often occurred so that there was a source of income for Ghanimah, namely the spoils of war
OPTIMALISASI PENGHIMPUNAN DANA ZAKAT PROFESI APARATUR SIPIL NEGARA
Get PDFKajian ini menggambarkan penerapan Penghimpunan Dana Zakat Profesi pada Aparatur Sipil Negara (ASN) Kantor Wilayah Kementerian Agama Provinsi Sumatera Selatan. Penghimpunan zakat merupakan upaya pengumpulan zakat perorangan atau kelompok dengan tujuan mencapai zakat. Kegiatan penghimpunan zakat merupakan jantung dalam organisasi zakat, karena penghimpunan berhubungan dengan kemampuan perorangan, organisasi, badan hukum untuk mengajak dan mempengaruhi orang lain sehingga menumbuhkan kesadaran dan kepeduliaan mereka. Berdasarkan hasil pengamatan menunjukkan penghimpunan zakat profesi dapat dinyatakan belum optimal. Hal ini disebabkan karena keterlambatan dilakukan pemotongan zakat profesi, sehingga adanya pegawai ASN yang telah mengambil semua gajinya sebelum dipotong zakat profesi
Peran Koperasi Syariah Dalam Pembiayaan Usaha Kecil Dan Menengah
Get PDFPenelitian berjudul Peran Koperasi Syariah Dalam Pembiayaan Usaha Kecil dan Menengah. Penelitian menggunankan metode penelitian deskriptif-kualitatif dengan menggunakan teknik pengumpulan data melalui wawancara, observasi dan dokumentasi. Mendeskripsikan pelaksanaan pembiayaan koperasi syariah di KKS Baiturrahman Mitra Umat, dampak positif dan negatif, peran dan strategi yang dilakukan koperasi KKS Baiturrahman Mitra Umat agar masyarakat mau bergabung. Subjek dalam penelitian ini adalah pimpinan koperasi syariah, staf koperasi serta anggota koperasi.
Hasil penelitian ini menunjukan bahwa pelaksanaan pembiayaan KKS Baiturrahman Mitra Umat ini didasari oleh payung hukum. Selanjutnya, KKS Baiturrahman Mitra Umat memberikan manfaaat bagi masyarakat terutama dari segi ekonomi .Kendala tidak ditemukan, karena pada dasarnya KKS Baiturrahman Mitra Umat membantu masyarakat agar mendapatkan kemakmuran dan terbebas oleh riba. KKS Baiturrahman Mitra Umat telah berperan baik dalam mengelola pembiayaan usaha kecil dan menengah meskipun ada beberapa kendala dan rencana kerja yang belum terselesaikan. Setidaknya, KKS Baiturrahman Mitra Umat berhasil menghindarkan masyarakat dari rentenir atau lintah darat dengan bunga yang mencekik. Sementara itu, KKS Baiturrahman Mitra Umat telah melakukan strategi dengan cara aktif masuk ke majelis taklim , menyebar brosur ke pasar serta melakukan sosialisai di perkumpulan-perkumpulan sekolahan. Meskipun itu belum terlalu maksimal, namun setidaknya telah mampu memperkenalkan KKS Baiturrahman Mitra Umat ke Masyarakat
Mustahik Economic Empowerment through Micro Business Development
Get PDFThis research aims to develop an efficient model of economic empowerment through a micro business development program for mustahiq. The model development involves (1) providing capital through financing, 2) providing management skill training, (3) innovation development, 4) intensive assistance from BAZNAS, and 5) marketing strategy training. Those models are to improve the performance of micro-businesses so that mustahiq can be empowered. The effectiveness of the five variables was tested through multiple regression analysis using SPSS. The data is processed based on data tabulation of 78 selected respondents. The results show that providing capital from zakat productive, procuring management skill training, innovation development training, intensive assistance from amil zakat, as well as marketing strategy training, can improve the performance of mustahiq micro businesses. The business assistance and various training that accompanies the distribution of business capital, is a unified business incubation model to empower the mustahiq economy and is a characteristic of amil institutions compared to profit-oriented capital-providing institutions such as banks
EKSISTENSI PEMBIAYAAN MULTIJASA DI BAITUL MAAL WATTAMWIL
Get PDFThe development of products in Islamic financial institutions is increasingly widespread. In order to develop a product, Islamic financial institutions must be guided by sharia principles. One form of product development at BMT is multiservice financing. The implementation of this multiservice financing uses an ijarah contract. The emergence of this new product also raises new problems regarding compliance with contract provisions. This study uses a qualitative method, with a normative juridical approach. This type of research is literature study. The results of this study indicate that multiservice financing is a product that is needed by the community and is a reliable alternative for BMTs. However, its implementation is not in accordance with sharia principle
MINAT MAHASISWA FEBI IAIN LHOKSEUMAWE BERPROFESI DI PERBANKAN SYARIAH
Get PDFThe need for human resources (HR) in various Islamic financial institutions in the Aceh province has increased since the enactment of Qanun no. 11 of 2018. In order to realize the Islamic economy of Aceh. Meanwhile, human resources who have the ability and knowledge of Islamic financial transactions are not adequate and adequate. This study aims to determine how the influence of attitudes, subjective norms, behavioral control, financial rewards, either partially or simultaneously on student interest in the Islamic banking profession. The population in this study amounted to 255 students of IAIN Lhokseumawe majoring in Islamic economics class 2015-2017. Sampling using purposive sampling and obtained 72 students. Data collection methods are through questionnaires, literature studies, and internet research. The results showed that attitude and behavior control had no effect on student work interest in Islamic banking as indicated by the value of Sig. 0.402 > 0.05 and the value of Sig. 0.652 > 0.05.While the subjective norm variables and financial rewards affect student interest in working in Islamic banking with the value of Sig. 0.000 < 0.05. Meanwhile, the simultaneous test shows that all independent variables have an effect on student work interest in Islamic banking
Muzara’ah Dan Dampaknya Terhadap Kesejahteraan Petani Ikan Di Kecamatan Lingsar Kabupaten Lombok Barat
Get PDFThe study aims to analyse the implementation of muzara'ah and its impact on the welfare of freshwater fish farmers in Lingsar sub-district, West Lombok Regency, from Islamic perspectives. This study used a qualitative approach and a descriptive method. The data was collected using participatory observation methods, in-depth and documentation techniques in the form of sound recordings and pictures. Informants were determined by snowball and purposive sampling techniques. The data was analysed using an interactive model that included data reduction, display, and conclusion drawing. The study revealed that the background of muzara'ah cooperation in raising fish in Lingsar sub-district, West Lombok Regency, is based on the principle of economic mutual need and mutual help (ta'awun). Muzara'ah in fish raising was in accordance with Islamic law, namely the fulfilment of the pillars and legal conditions for the implementation of muzara'ah. Likewise, muzara'ah had an impact on the Islamic welfare of fish farmers in terms of protecting religion (al-Din), the soul (al-Nafs), the mind (al-Aql), offspring (an-nasf), and property (al-Mal)