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All Journal JCES (Journal of Character Education Society) AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Shafin: Sharia Finance and Accounting Journal Al-Muamalat : Jurnal Ekonomi Syariah Syarah: Jurnal Hukum Islam dan Ekonomi Jurnal Hukum Indonesia
Mulyani, Rita
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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LAHIRNYA PERBANKAN SYARI’AH DI INDONESIA Mulyani, Rita
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 1 (2019): AT-TIJARAH Vol. 1 No. 1 January-June 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

With the development of increasingly advanced times, the bank continues to make new innovations so that at this time the bank is no longer just an institution that functions to collect and distribute funds, but at the same time also as an intermediary in the payment traffic. However, the Muslim community strives to realize banking based on sharia principles. For this reason, several Muslim countries have slowly begun to establish Islamic Banks. The development of Islamic banking is quite significant in several countries, but of the many countries, Indonesia actually has a different side. The difference lies in the term used to refer to a non-conventional bank. While other countries commonly refer to it as an Islamic Bank, in Indonesia it is actually called the Sharia Banking because the idea of ​​the Islamic Bank is alleged to have contained political and SARA elements. With high stretches owned by several Muslim countries to establish shari'ah banking, Indonesia as the country with the largest Muslim population in the world established the first sharia banking under the name Bank Muamalat Indonesia (BMI) which was officially operated in 1992. From year to year, Sharia banking growth is very fast. Keywords : Banking, Sharia Banking,Indonesia. Abstrak Dengan perkembangan zaman yang semakin maju, bank terus melakukan inovasi baru sehingga pada saat ini bank tidak lagi hanya sekedar lembaga yang berfungsi menghimpun dan menyalurkan dana saja, namun sekaligus juga sebagai intermediasi dalam lalu lintas pembayaran. Namun, komunitas Muslim berusaha untuk mewujudkan perbankan berdasarkan prinsip syariah. Atas dasar alasan inilah, beberapa negara muslim perlahan mulai mendirikan Bank Islam. Perkembangan perbankan Islam cukup signifikan terjadi di beberapa negara, tetapi dari sekian banyak negara, Indonesia justru memiliki sisi yang berbeda. Perbedaan tersebut terletak pada istilah yang dipakai untuk menyebut bank yang nonkonvensional.Di saat negara-negara lain lazim menyebutnya sebagai Bank Islam, di Indonesia justrumenyebutnya Bank Syari’ah karena istilah Bank Islam diduga mengandung unsur politik dan SARA.Dengan geliat tinggi yang dimiliki oleh beberapa negara muslim untuk mendirikan perbankan syari’ah, Indonesia sebagai negara dengan populasi muslim terbesar di dunia mendirikan perbankan syariah pertama dengan nama Bank Muamalat Indonesia (BMI) yang secara resmi beroperasi pada tahun 1992.Dari tahun ke tahun, pertumbuhan perbankan syari’ah sangatcepat. Kata Kunci : Perbankan, Perbankan Syariah, Indonesia.
SOSIALISASI SERTA EDUKASI DALAM MEMPERKUAT PARTISIPASI POLITIK WARGA BINAAN PERMASYARAKATAN MENYAMBUT PEMILIHAN UMUM TAHUN 2024 Wartoyo, Franciscus Xaverius; Harlingan, David; Harjono, Evy; Maghribi, Genta; Mulyani, Rita
JCES (Journal of Character Education Society) Vol 7, No 2 (2024): April
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jces.v7i2.21951

Abstract

Abstrak: Pemilihan umum (Pemilu) adalah salah satu pilar demokrasi yang vital dalam menjaga kesehatan suatu negara. Dalam konteks ini, perlu memperhatikan kelompok unik, yaitu Warga Binaan Permasyarakatan (WBP) yang berada di dalam lembaga pemasyarakatan. WBP sering menghadapi keterbatasan dalam akses terhadap informasi, pendidikan, dan partisipasi politik yang diperlukan untuk menjadi pemilih yang terinformasi dan terlibat dalam proses demokrasi. Hasil kegiatan menunjukkan peningkatan pengetahuan politik di kalangan WBP, meningkatkan partisipasi politik mereka, serta pengembangan keterampilan sosial dan hidup yang berguna setelah pembebasan. WBP menjadi lebih percaya diri dalam berperan aktif dalam proses politik. Hasil kegiatan menunjukkan peningkatan pengetahuan politik di kalangan WBP, meningkatkan partisipasi politik mereka, serta pengembangan keterampilan sosial dan hidup yang berguna setelah pembebasan. WBP menjadi lebih percaya diri dalam berperan aktif dalam proses politik. Kegiatan edukasi di dalam lembaga pemasyarakatan berperan penting dalam mempersiapkan mental dan meningkatkan partisipasi politik WBP. Meskipun memiliki dampak positif, terdapat tantangan dalam hal sumber daya dan akses teknologi yang perlu diatasi. Dengan pengalokasian sumber daya yang tepat dan solusi kreatif, kegiatan edukasi ini dapat memainkan peran penting dalam memperkuat partisipasi politik dan kualitas demokrasi. Kegiatan edukasi di dalam lembaga pemasyarakatan membantu mempersiapkan WBP secara mental dan meningkatkan partisipasi politik mereka, menjaga kesehatan demokrasi, dan menciptakan masyarakat yang lebih inklusif dan demokratis.Abstract: General elections (Pemilu) are one of the vital pillars of democracyin maintaining the health of a nation. In this context, it is important to consider a unique group, namely Incarcerated Citizens (WBP) within correctional institutions. WBP often face limitations in accessing information, education, and political participation necessary to become informed voters and engage in the democratic process. Research results indicate that an increase in political knowledge among WBP enhances their political participation and the development of social and life skills that are useful after their release. WBP become more confident in actively participating in the political process. Research findings also reveal that political education activities within correctional institutions play a crucial role in preparing the mindset and enhancing the political participation of WBP. Despite having a positive impact, there are challenges related to resourcesand technological access that need to be addressed. With proper resource allocation and creative solutions, these educational activities can play a significant role in strengthening political participation and the quality of democracy. Educational activities within correctional institutions aid in mentally preparing WBP and increasing their political participation, thereby safeguarding the health of democracy and creating a more inclusive and democratic society.
Green Sukuk for Sustainable Development Goals A Maqāṣid Perspective: Systematic Review and Meta-Analysis Khusna Khanifa, Nurma; Khoiri, Ahmad; Mulyani, Rita
Syarah: Jurnal Hukum Islam & Ekonomi Vol. 13 No. 2 (2024): SYARAH : Jurnal Hukum Islam dan Ekonomi
Publisher : Fakultas Syariah Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/syarah.v13i2.3260

Abstract

The environmental crisis is characterized by climate change with an increase in the earth's average temperature of 1.50 - 2.00 Celsius. Climate change can increase the risk of hydrometeorological disasters by 80% of the total disasters that occur in Indonesia. Overcoming the impacts of climate change requires a lot of money. One form of funding instrument to overcome the impact of climate change is green sukuk. Research Objective to critically analyze the trend of green sukuk research in Indonesia. This type of research is a literature review using PRISMA (Preferred Reporting Items for Systematic Reviews and Meta-Analysis) through four (4) stages, namely identification, screening, eligibility and included. The results showed that the green sukuk trend has dominated in the development of SDGs over the past 3 years. The issuance of green sukuk has contributed to the achievement of the Sustainable Development Goals (SDGs) Framework. From the maqāṣid al-sharī`ah framework through the interrelated hierarchy of the system of Islamic law approach, green sukuk used for eligible green projects fall into the urgency of al-ḍarūrīyah, al-ḥājīyah and al-taḥsīnīyah. The benefit created is maqāṣid al-khāṣṣah which is in line with QS. From these two (2) verses, there is a basic objective of sharia, namely hifẓ al-bi`ah. It is necessary to expand uṣūl al-khamsah by adding one component of hifẓ al-bi`ah (becoming uṣūl al-sittah). So that maqāṣid al-sharī`ah can accommodate universal benefits in response to increasingly severe environmental damage. Green sukuk has the scope of hifẓ al-bi`ah within the framework of maqāṣid al-sharī`ah including mitigation (al-ḍarūrīyah), adaptation (al-ḍarūrīyah), environment (SDGs) (al-ḥājīyah), social - economic (SDGs) (al-taḥsīnīyah), and governance (al-taḥsīnīyah).
Preferences for Capturing Market Share of Halal Products in the 5.0 Era Through the UTAUT-3 Model for MSME in Lhokseumawe City Safwan, Safwan; Maulana, Nora; Mulyani, Rita; Ismail, Ismail
Al-Muamalat: Jurnal Ekonomi Syariah Vol. 12 No. 1 (2025): January
Publisher : Department of Sharia Economic Law, Faculty Sharia and Law, UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/am.v12i1.40874

Abstract

This study aimed to develop a new model for MSME growth and identify key factors influencing the increase in halal market share among MSME through empirical testing of the Unified Theory of Acceptance and Use of Technology (UTAUT-3). A mixed-method sequential explanatory approach was employed. The sample was selected using purposive sampling, resulting in 70 respondents. Quantitative data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method, while qualitative data were examined through triangulation and the Analytical Network Process (ANP) method. The findings revealed that all independent variables—including performance expectancy, business expectancy, social influence, facilitating conditions, hedonic motivation, price value, habits, and personal innovation—had a significant positive effect on behavioral intentions to use QRIS among MSME actors in Lhokseumawe City. These results highlight the need for more intensive and comprehensive utilization of digital technology to achieve optimal business performance. The adoption of QRIS, strengthening of halal branding, product innovation, and increased competitiveness are strategic steps toward building partnerships with various stakeholders and developing a sustainable halal MSME ecosystem. Supportive government policies and programs are essential for fostering an ecosystem that promotes technology adoption and the growth of halal products in the 5.0 era.
The Effect of Key Financial Indicators on Bank Profitability Mulyani, Rita; Oktaviani, Retno Fuji; Fauziyah, Nurul Khansa
Shafin: Sharia Finance and Accounting Journal Vol. 5 No. 1 (2025)
Publisher : Institut Agama Islam Negeri (IAIN) Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/sfj.v5i1.18132

Abstract

Banking companies experienced fluctuations in average profitability during the 2019-2023 period. This study aims to analyze the effects of Capital Adequacy Ratio (CAR), Non-Performing Loan (NPL), Loan to Deposit Ratio (LDR) and Firm Size on profitability. The research employs a quantitative method using secondary data collected from the Indonesia Stock Exchange and Bank Indonesia websites. The population of the study includes banking sub-sector companies listed on the Indonesia Stock Exchange from 2019 to 2023. The sample was selected using a purposive sampling technique, resulting in 20 companies as the sample. Hypothesis testing was conducted using multiple linear regression analysis with the assistance of the Statistical Package for the Social Sciences (SPSS) software. The findings reveal that the Capital Adequacy Ratio (CAR) and Firm Size (FS) have no effect on profitability, while Non-Performing Loan (NPL) and Loan to Deposit Ratio (LDR) significantly influence profitability.
Analisis Perlindungan Hukum Dalam Penyelesaian Masalah Lingkungan Berkelanjutan di Indonesia Ditinjau Dari UU NO. 32 Tahun 2009 dan Paris Convention Kurniawan, Raynaldo; Tratama, Ricky; Mulyani, Rita
Jurnal Hukum Indonesia Vol. 5 No. 1 (2025): Jurnal Hukum Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jhi.v5i1.1782

Abstract

Penelitian ini membahas perlindungan hukum dalam penyelesaian masalah lingkungan berkelanjutan di Indonesia, dengan meninjau Undang-Undang No. 32 Tahun 2009 tentang Perlindungan dan Pengelolaan Lingkungan Hidup serta Paris Agreement sebagai instrumen hukum internasional. Fokus utama penelitian ini adalah menganalisis efektivitas regulasi dalam mencegah dan menangani dampak lingkungan yang ditimbulkan oleh kegiatan industri, termasuk melalui mekanisme perdagangan karbon sebagai salah satu solusi kebijakan. Penelitian ini menggunakan metode yuridis-normatif, dengan pendekatan perundang-undangan (statute approach) dan konseptual (conceptual approach). Data diperoleh dari studi kepustakaan terhadap peraturan perundang-undangan, dokumen kebijakan, serta literatur ilmiah yang relevan. Hasil penelitian menunjukkan bahwa meskipun UU No. 32 Tahun 2009 telah mengatur tanggung jawab lingkungan bagi pelaku usaha, implementasinya masih menghadapi berbagai tantangan, seperti lemahnya penegakan hukum, kurangnya mekanisme insentif, serta keterbatasan pemantauan dan verifikasi lingkungan (MRV). Sementara itu, Paris Agreement mendorong upaya pengurangan emisi global, termasuk melalui mekanisme perdagangan karbon, tetapi implementasi di Indonesia masih terbatas karena regulasi yang belum matang serta rendahnya partisipasi industri dalam skema ini.
Co-Authors Ahmad Khoiri Fauziyah, Nurul Khansa Harjono, Evy Harlingan, David Ismail Ismail Khusna Khanifa, Nurma Kurniawan, Raynaldo Maghribi, Genta Maulana, Nora Retno Fuji Oktaviani Safwan Safwan, Safwan Tratama, Ricky Wartoyo, Franciscus Xaverius