Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah
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PENGARUH PEMBIAYAAN MUDHÂRABAH DAN MUSYÂRAKAH TERHADAP PENDAPATAN BANK SYARIAH
Get PDFFinancing is one of the key factors of the development of the Islamic banking industry. Islamic bank financing should be ideally dominated by the profit-loss agreement, in which the system is run with the profit sharing system. In using regression analysis, correlation, and hypothesis testing, this study aimed to analyze the impact of mudhârabah and musyârakah financing toward revenue in Bank Muamalat Indonesia. The research result showed that the financing of the profit sharing system either partially or simultaneously have a strong and significant influence on Islamic banking income.DOI: 10.15408/aiq.v5i1.2555
Peningkatan Efektivitas Pemasaran Jasa Perbankan Islam Melalui Pemahaman Terhadap Segmentasi Pelanggan
Get PDFThere are three segments of customers in Islamic banking industry: business customers, rational customers, and religious customers. This study found that the levels of customer’s satisfaction/dissatisfaction at the three segments (business,rational, and religious traveler) were differentiating by customers’ perception of service quality. The business customers has a higher focus on service quality and on time performance factors. In addition, the profit sharing factor is the differentiating variable in the level of satisfaction/dissatisfaction for rational customers. The application of sharia principles is the differen-tiating variabel of religious segments.DOI: 10.15408/aiq.v5i2.256
Islam, Globalization, and Poverty Alleviation
Get PDFGlobalisasi adalah keadaan dan situasi yang menglobal, baik secara ekonomi, politik, dan sosial. Semua negara yang menganut sistem perekonomian terbuka telah berperan serta dalam sistem globalisasi. Saat ini dunia berada di bawah pengaruh super power dunia. Misalnya adalah penggunaan dolar sebagai mata uang resmi untuk transaksi internasional sehingga dolar mendominasi dalam transaksi international. Akibatnya, nilai utang negara-negara berkembang mengalami kenaikan disebabkan kenaikan harga dolar. Kenaikan nilaiutang negara-negara berkembang menyebabkan pemerintah mengurangi subsidi bagi masyarakat, sehingga kesulitan ekonomi makin dirasakan rakyat kecil. Hal ini berakibat kemiskinan sulit dihilangkan. Artikel ini menganalisis perspektif Islam dan pelbagai pemikiran mengenai dampak globalisasi terhadap penghapusan tingkat kemiskinanDOI: 10.15408/aiq.v5i2.257
KONSEP, TEORI, DAN PRAKTIK OBLIGASI SYARIAH
Get PDFOne of the growing sharia finance instruments is sharia bond, sharia bonds are securities or certificate that contains the contract between funders (investors) with a given fund (the issuer), sharia bond is supported by the Sharia Securities Act (SBSN) on 9 April 2008, so it can grow a new optimism for national Islamic banking and finance industry. SBSN Act paved the way for the issuance of shria goverment and private bonds, in practice of Islamic bondsmay use multiple inclusion models in the form of mudhârabah, ijârah, and musyârakah.DOI: 10.15408/aiq.v5i2.257
PERSEPSI WÂQIF DALAM BERWAKAF TUNAI
Get PDFOne of the provision contained in the Act 41 Year 2004 on Waqf is the permissibility of giving waqf in cash. This article describes various perceptions, taking into account of the strengths, weaknesses, opportunities, and challenges of cash waqf. Opportunity factors include the management and empowerment opportunities cash waqf as a form of new investment. The concept of fiqh is flexible and dynamic, therefore the waqf as a great potential to be developed according to the needs of the time. Aside of that is disadvantage factors such as absence of the of Muslim’s opinion on the issue.DOI: 10.15408/aiq.v5i1.255
Potensi dan Strategi Marketing Perbankan Syariah pada Segmen Kelas Menengah Indonesia
Get PDFGroup of middle-class society is a tremendous market for Islamic business, especially Islamic banking. The fact that the majority of Indonesia\u27s population is Muslim, Islamic business institutions should work on the mid-market segment earnestly. The potential of middle class development in Indonesia gives an opportunity for Islamic banks to compete in the market. Various characteristics of the middle class used as a valuable input in conducting market segmentation, targets, and formulate strategies to create the accepted products.DOI: 10.15408/aiq.v5i2.256
Liquidity Risk on Banking Industry: Comparative Study Between Islamic Bank and Conventional Bank in Indonesia
Get PDFBank konvensional dan syariah kurang lebih memiliki risiko sama. Oleh karena itu perlu pengamatan lebih lanjut untuk mengendalikan risiko likuiditas mereka. Studi ini mengkajipengaruh CAR, rasio profitabilitas, NIM, kesenjangan likuiditas, dan RLA milik risiko likuiditas di industri perbankan. Analisis statistik menyimpulkan bahwa terdapat pengaruh negatif dan signifikan dari CAR dan ROE terhadap risiko likuiditas pada bank konvensional, sementara ROA dan RLA berpengaruh positif dan signifikan. Dalam bank syariah, dampak positif dan signifikan dari NIM dan ROE terhadap variabel dependen, sedangkan kesenjangan likuiditas dan RLA memiliki pengaruh signifikan.DOI: 10.15408/aiq.v5i2.256
Analisis Komparasi Investasi Dinar dan Investasi Reksadana Pasar Uang Syariah
Get PDFThe aim of the study is to analyse return and risk in Dinar Investment and Syariah Money Market Mutual Funds which result from movement Price Dinar and NAB Reksadana Pasar Uang Syariah at period of January 2008 untill December 2012. The study used t test that resulted of expected return dinar equal to 1,56% while Sharia Money Market Mutual Fund equal to 2,74%. And risk Dinar equal to 5,65% while Sharia Money Market Mutual Fund equal to 55,6%. Based on the analyses of return Sharia Money Market Mutual Fund better than Dinar. however Sharia Money Market Mutual Fund has significant higher than Dinar.DOI: 10.15408/aiq.v5i2.257
MEKANISME PASAR DAN KEBIJAKAN PENETAPAN HARGA ADIL DALAM PERSPEKTIF EKONOMI ISLAM
Get PDFIn contrast to conventional system, concept of Islamic economy emphasize that market mechanism and price arrangement need to be regulated to create market balance and economic justice, taking into consideration the interest of the parties involved in the market. Reasonable and fair price is the price obtained through the force of supply and demand. If there exist actions such as zhulm resulting distortion or imbalance market price, government needs to take steps to implement price arrangement taking into account factors causing distortion and restore the original price at the balance pointDOI: 10.15408/aiq.v5i1.255
