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Journal : As-Syirkah: Islamic Economic

Perbandingan Kinerja Bank Konvensional dan Bank Syariah pada Triwulan IV 2022 Sipahutar, Kevin Andre; Pramana, Kiki; Azizah, Esyha Nur; Hasyim
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 2 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/m9h0qq55

Abstract

This research analyzes the performance of Conventional Banks and Islamic Banks in Indonesia in the fourth quarter of 2022 using data from the official website of the Financial Services Authority (OJK). The study employs a qualitative descriptive approach. The text above discusses the performance comparison between conventional commercial banks (BUK) and Islamic banks (BUS) in several key aspects. Islamic banks show higher asset growth, reaching 15.57%, compared to the 9.42% growth in assets of conventional commercial banks. The composition of their assets also differs, with conventional banks focusing more on credit, while Islamic banks emphasize financing. Overall, both Conventional Banks and Islamic Banks demonstrate positive performance in the second quarter of 2022, with strategies such as diversified funding sources, increased productive credit, and operational efficiency being key drivers of growth amid the continually changing economic dynamics. This conclusion reflects the commitment of the banking sector to support Indonesia's economic growth.  
Peranan Koperasi dalam Perekonomian Indonesia Nasution, Selviana; Hidayati, Sabilah; Nasution, Putri Rahmadani; Hasyim
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 2 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/srm9e713

Abstract

This article discusses the central role of cooperatives in the context of the Indonesian economy. Cooperatives, which are defined as a form of cooperation in which members work together to achieve common goals, have two main forms in Indonesia, namely social cooperatives and economic cooperatives. The objectives of cooperatives, as regulated in Republic of Indonesia Law Number 25 of 1992, include the advancement of members and society, as well as contribution to national economic development in accordance with Pancasila and the 1945 Constitution. The function and role of cooperatives, especially in the economic sector, involves economic development members and society, improving the quality of human life, and actively participating in economic activities. The article highlights the strategic role of cooperatives as main actors in various economic sectors, providers of the largest employment opportunities, developers of local economic activities, creators of new markets, sources of innovation, and contributors in maintaining a balanced balance of payments through export activities. By referring to Article 33 of the 1945 Constitution, cooperatives are considered to be the main pillar of the Indonesian economy, with the basis of economic democracy which emphasizes collective production for the common good. As an economic organization with a social dimension, cooperatives are directed to always prioritize serving the needs of members and the community rather than solely pursuing profits. Further efforts are needed to educate the public, improve cooperative governance, and provide policy support that supports the growth and development of cooperatives in Indonesia. In this way, it is hoped that cooperatives can continue to play a major role in building a sustainable and inclusive Indonesian economy.
Pengaruh Regulasi Keuangan Islam terhadap Pertumbuhan Bank Syariah Pane, Putri Marito; Bangun, Belliyani Br; Rahmadani, Fitri; Hasyim
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 2 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/xdab8a35

Abstract

This study explores the influence of Islamic financial regulations on the growth of Islamic banks, with a specific focus on qualitative methods and a literature review of previous articles. This approach provides profound insights into the development of Islamic banks in the context of Islamic financial regulations. The research identifies the need for financial regulations aligned with Sharia principles to ensure sustainable growth of Islamic banks, detailing the background of the importance of Islamic financial regulations in supporting the growth of Sharia-based financial institutions. The research methodology involves qualitative analysis of relevant literature, offering a comprehensive understanding of the impact of these regulations. The findings reveal that Islamic financial regulations play a significant role in strengthening and promoting the growth of Islamic banks. The conclusion emphasizes the importance of implementing and refining Islamic financial regulations as a key factor in enhancing the health and sustainable growth of Sharia-based financial institutions.
Peran Lembaga Keuangan dalam Pemberdayaan Ekonomi Masyarakat Hasyim; Manurung, Eka Valentina; Adelia, Fransiska; Sitio, Veranita; Nadapdap, Yemima E.
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 2 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/zx33xb16

Abstract

This study explores the role played by financial institutions in supporting community economic empowerment. In this context, the role of financial institutions is not only limited to traditional functions such as financial intermediation, but also involves important aspects such as financial inclusion, financial education, and access to financial services. This research analyzes the impact of active community participation in financial services on economic growth, poverty alleviation and increased welfare. The findings of this research provide insight into how financial institutions can be a catalyst for community economic development through various initiatives and programs that support accessibility, inclusiveness and understanding of the benefits of finance.  
Faktor-Faktor yang Mempengaruhi Generasi Milenial dan Z Terjebak Pinjaman Online Dayanti, Erli; Manurung, Ulfah Nabilah; Putri, Anggi Emalia; Hasyim
As-Syirkah: Islamic Economic & Financial Journal Vol. 3 No. 2 (2024): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/7ksmjf15

Abstract

Online loans are a type of fintech development, service providers provide loans through technology. People make a lot of online loan transactions. The millennial and z generations are the largest online loan takers. Various factors cause the millennial and z generations to get trapped in online loans. Apart from that, online loans can be detrimental to the millennial and z generations if they are trapped in illegal online loans. This research aims to analyze the factors that influence the millennial and Z generations to take online loans. This type of research method is qualitative research in the form of literature study by collecting library data and reading to manage research materials. The data source is secondary data obtained from various writings such as published articles, websites, books and literature from the OJK and other financial institutions. The results of the discussion in this article are that the millennial and z generations are stuck with online loans, influenced by lifestyle factors and financial literacy. A hedonic lifestyle makes the millennial and z generations trapped in online loans. Low financial literacy can mean that the millennial and z generations don't know how to manage their finances, making them trapped in online loans. Keywords :
Co-Authors A. Niarti Ningsih Achmad Fajar Narotama Sarjan Achmad Karim Adelia, Fransiska Agastya, Dewandha Mas AGUS PRASTYAWAN Agus Suroso Agus Sutriawan Agustawijaya, Didi Supriadi Agustono Setiawan AKBAR SUDIRMAN Akkase, Arfandi Aksir, Muh. Ilham Alimin Hamzah Alit, I Dewa Made Ambarwati, Ririn Amri, Faesal Anam, M. Khairul Andi Atsam Mappanyukki Andi Febi Irawati Andi Ridwan Andi Rizal Anisa Sanas Nalamjra Anita Janu Septi Annisa Nidaur Rohmah Aris Mardiyono Armila, Sely Asshofi Fadhillah Harahap Assilah, Qonita Awaluddin Ayu Purnamasari Azizah, Esyha Nur Bakti, Lalu Arifin Aria bangun, Belliyani Br Bawu, Mario Alfredo Boby Krismanto Pello Bonaraja Purba Br Ginting, Elrisa Marsanda Br Sinaga, Era Widia BUDIANTO, M. BAGUS Budianto, Muh. Bagus Dabutar, Amal Rezeki Dandan Haryono darma purba, dianisa sinaga Darul Husnul Dayanti, Erli Desi Widianty Desvita Saragih Devima , Hotma Boru Hutahaean Devima, Santia Devita Rahmawati Napitupulu Dewi Wulandari Dian Safitri Diana Ratna Sari Simanungkalit Didi Supriadi A. Didi Supriyadi Agustawijaya Didik Agusta Wijaya Edison Sagala Eko Pradjoko Elysa, Ratianarimamy Niriko Endang Ruswanti Eniarti, Miko Esty Pudyastuti Fatia Fatimah Faturrahman, Rizky Febrian, Herlin Fera Fitri Salsabila Fitri Ayu Hardiana Rambe Fitri Rahmadani, Fitri Fitriyah, Hidayatul Fitrizki, St Dewi Nurul Gabriella Simanjuntak Girsang, Fani Magdalena Gunarto Latama Guruhsetra T., R., H Haeril Hartana Hasmyati Heri Sulistiyono, Heri Hidayati, Sabilah Hudain, Muh. Adnan Humairoh Saidah HUSNUL KHOTIMAH Hutabalian, Relli Anisma I D G Jaya Negara I Dewa Gede Jaya Negara I Dewa Jayanegara I Wayan Suteja I Wayan Yasa I Wayan Yasa, I Wayan I.W , Suteja IAO Suwati Sideman Ida Ayu Oka Suwati Sideman IDewa MadeAlitKaryawan Ikadarny Inayah Yasir Indrawati , Ratna Intan Zuhra Irawandi, Hamzan Irma Isnaniar IWayan Suteja Jamaluddin Jaya Negara I.D.G JAYANEGARA, I DEWA GEDE Jayawarsa, A.A. Ketut Karyawan, Dewa Made Alit Karyawan, I Dewa Made Alit Khoirunnisa Nst Lalu Wirahman W Laura Elfina Karo Karo Lily Syafitri Batubara Linda Utami M. Adam Mappaompo M. Said Zainuddin Made Mahendra MadeMahendra Mahendra, Made Manurung, Eka Valentina Manurung, Ulfah Nabilah Melysiana Yufitamala Merdana, I Nyoman Michael Aditya Marjoto Milkha Tambirang MMSI Irfan ,S. Kom Mufidurrohman Mufli Wahid Hamid Muh. Ilham Aksir Muhajirah Muhammad Akbar Syafruddin Muhammad Akbar Syafruddin Muhammad Harliawan Muhammad Ishak Muhammad Nur Muhammad Ramli Muhammad Rhesa Mulyono, Rosi Dwi Nadapdap, Yemima E. Nadia Nadia Siregar Nasution, Putri Rahmadani Nasution, Selviana Negara I.D.G, Jaya NEGARA, I D G JAYA Ngudiyono Nofi Erni Nora Novita Simangunsong Nur Aini Simbolon Nur Indah Atifa Anwar Nur Indah Atifah Anwar NURCHAYATI Nurhikmah Nurrachman Nurul Fadilah Aswar Pane, Putri Marito Parwati, Dedin Pathurahman PRACOYO, ATAS Pramana, Kiki Purwanti, Defiya Putri, Anggi Emalia Rahmayanti, Mira Ramadhanil, Ferdy Ramlan Ramli Ratna Indrawati, Ratna Ratna Yuniarti Ratna Yuniarti Ratna Yuniati Ritonga, Nazla Rohani Rokiah Kusumapradja Rosalia, Harnita RR. Ella Evrita Hestiandari Saadi , Yusron Sabrina, Nidia Fitri Sadzali, Muhammad Saidah H Saidun Hutasuhut Salehuddin Salehudin Salsabila, Fera Fitri Sasmi Ebigael Sinaga Seniari, Ni Made Sentot, Bambang Jati Shalsabila, Khairunnisa Siburian, Jojor Bonatua Sideman, I A O Suwati Sideman, IAO Suwati Silatul Rahmi Sinaga, Juli Kristabel Sindari Br Barus Sipahutar, Kevin Andre Sirait, Melani Manginar Siti Mahmudah Sitio, Veranita Situmorang, Romasi Sonya Boischa Hutabarat Sri Dai Sulfina Sudirman Burhanuddin Suhardiman, Muhammad Akhsan Sulaeman Suparjo Supriadi A, Didi SUPRIYADI, ANID Suteja I.W Tamon, Oktavian Tine Yuliantini Tuzuhro, Fatimah Veithzal Rivai Zainal Wijaya , Didik Agusta WIRADARMA, LALU WIRAHMAN WIRADHARMA, LALU WIRAHMAN Wirahman W, Lalu Yeni Festriana Manurung Yusron Saadi Yusron Saadi ZAINI MIFTAH