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All Journal al-Uqud : Journal of Islamic Economics Jurnal Psikologi Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Hukum Ekonomi Syariah : AICONOMIA Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Manager : Jurnal Ilmu manajemen
Yuningsih, Ayu
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Pembiayaan Sektor Jasa Dunia Usaha Pada Perbankan Syariah di Indonesia Yuningsih, Ayu; Afandi, Akhsyim
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3522

Abstract

Financing is one of the main functions of Islamic banking. In its operational activities, Islamic banking channel most of its assets into financing. However, the financing trend in this sector always fluctuates from year to year and tends to decline. This study aims to analyze the factors that influence the financing of the business services sector in Islamic banking in Indonesia. This study uses time-series data which is the monthly data of the aggregate financial statements of Sharia Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this study is Autoregressive Distributed Lag (ARDL). The results showed that the variables that influence the financing of the business services sector in the short term are third party funds (DPK), equivalent rate of financing (ERP) and Industrial Production Index (IPI). Whereas in the long run, the variables that influence the financing of the business services sector are third party funds (DPK), return on assets (ROA), non-performance financing (NPF), Industrial Production Index (IPI). While the variable interest rates and exchange rates both in the short and long term do not affect the financing of the business services sector.
HYBRID CONTRACT DALAM PELAKSANAAN PEMBIAYAAN DENGAN PENETAPAN UJRAH PADA PRODUK GADAI EMAS PADA BANK SYARIAH INDONESIA Pramadeka, Katra; Hanif, Padlim; Yuningsih, Ayu
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol. 8 No. 02 (2024): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ad.v8i02.7373

Abstract

Gadai Emas pada era saat ini merupakan produk yang sangat diminati dalam kategori pembiayaan bagi masyarakat yang membutuhkan uang darurat secara cepat, dengan cara menjaminkan barang berupa emas ataupun perhiasan lainnya. Penelitian ini bertujuan untuk menganalisis penerapan hybrid contract dalam pembiayaan dengan penetapan ujrah pada produk gadai emas di Bank Syariah Indonesia khususnya pada Bank Syariah Indonesia di Kota Bengkulu. Penelitian ini merupakan penelitian lapangan (field research) dengan pendekatan kualitatif. Objek penelitian ini adalah Bank Syariah Indonesia yang ada di Kota Bengkulu yang terdiri dari 2 (dua) kantor cabang dan 2 (dua) kantor cabang pembantu. Hasil Penelitian menunjukkan bahwa hybrid contract dalam pembiayaan gadai emas di Bank Syariah Indonesia Cabang Bengkulu telah sesuai dengan ketentuan yang diatur dalam Fatwa DSN MUI nomor: 25/DSNMUI/III/2002 tentang akad Rahn Emas dan Fatwa DSN MUI nomor: 26/DSNMUI/III/2002 tentang akad Ijarah. Sementara Penetapan Ujrah Pada Produk Gadai Emas Bank Syariah Indonesia Cabang Bengkulu sudah sesuai dengan prinsip-prinsip syariah yang tertuang dalam fatwa DSN MUI No. 26/DSN-MUI/III/2002 tentang Ijarah dan No.25/DSN-MUI/III/2002 tentang rahn emas dimana penetapan ujrah dihitung dari nilai taksiran emas bukan berdasarkan pada besarnya jumlah yang diterima nasabah.
INVESTMENT FEASIBILITY ANALYSIS OF PAYBACK PERIOD AND NET PRESENT VALUE METHODS IN SOE BANKING Yuningsih, Ayu; Aminda, Renea Shinta; Nurhayati, Immas
Manager : Jurnal Ilmu Manajemen Vol. 6 No. 4 (2023): Manager : Jurnal Ilmu Manajemen
Publisher : Universitas Ibn Khaldun Bogor

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Abstract

This study aims to determine the feasibility of investment to be invested in the banking subsector, especially in State-Owned Commercial Banks (SOEs). The analysis used in this study is descriptive quantitative analysis with Payback Period and Net Present Value methods. Based on the results of the calculation of the payback period, it is possible to know the level of investment eligibility in Bank BRI, Bank Mandiri, Bank BNI, and Bank BTN (BUMN) for the five-year period 2017–2021. The rate of prediction is said to be reasonable or acceptable, that is, in BRI Bank due to the faster rate of return on investment. Based on the results of the calculation of Net Present Value at Bank BRI, Bank Mandiri, Bank BNI, and Bank BTN (BUMN) for the period 2017 to 2021, the level of investment eligibility is accepted or eligible because of a net present Value >0
Co-Authors Akhsyim Afandi, Akhsyim Alfiah, Esti Arisandy, Yosy Asnaini Asnaini, Asnaini B, Idwal Faisal Akbar, Muhammad Hanif, Padlim Lusiana, Dewi Misbahul Munir Misbahul Munir Nurhayati, Immas Pramadeka, Katra Rahmani, Zikri Renea Shinta Aminda Rini Elvira Sulis Mariyanti Wahyuni, Eka Sri Zikri Rahmani