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Investasi Tabungan di Bank Syariah dalam Perspektif Hukum Ekonomi Syariah Amalia, Feby Ayu
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 4 No. 1 (2019): Asy-Syar'iyyah Juni 2019
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v4i1.997

Abstract

Investment is a commitment to the activities undertaken by a person or legal entity, to set aside a portion of his income in order to be used to conduct a business with the hope at a certain time will get the results (profit). The rise of investment fraud, and the lack of clarity on the returns to profits derived from the investment returns halal or not, require the public to be more selective in investing their wealth. This article discusses the concept of investment and savings investment in Sharia Bank with the sharia economic law perspective. Islamic banking undertakes the business of fund raising, based on Sharia Principles. One of Sharia Bank's investment products is a savings whose investment is based on wadi'ah contract and investment fund based on mudharabah contract or other contract which is not contrary to sharia principles. The regulation of savings in a Sharia Bank is regulated by Law No. 21 of 2008, and Fatwa DSN No: 02 / DSN-MUI / IV / 2000. The law of investing in Sharia Banks is permissible, because by investing in Sharia Banks slowly we can help the equity of economy and economic welfare.
COINTEGRATION AND CONTAGION EFFECT CONVENTIONAL AND SHARIA STOCK INDICES DURING COVID-19 Novianti, Diah; Amalia, Feby Ayu
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 2 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i2.21238

Abstract

The COVID-19 pandemic has also affected stock price movement all over the world, along with the changes in the economic sector. Many studies have tried to reveal the integration of stock indices worldwide, but little show the Sharia Indices’ movement due to the COVID-19 pandemic. This study analyzes the cointegration and contagion effect during the pandemic on Conventional and Sharia stock indices in Asia Pacific, China, Malaysia, and Indonesia. This study explores the difference between Sharia and Conventional indices during the COVID-19 pandemic. VAR (Vector Auto-Regressive) and VECM (Vector Error Correction Model) were used to analyze the hypothesis with E-Views 12. The data used in this study was the closing date from each index from 1 July 2018 to 30 June 2022. This study showed no cointegration effect between Sharia indices during the pandemic, but there was a cointegration effect on Conventional indices. During the pandemic, there was a contagion effect on both Shariah and Conventional indices. The results of this study are expected to be a reference basis for promoting the Sharia Stock Market because it is more proven in dealing with crises than the Conventional Stock Market.
Pengaruh Pembiayaan Ijarah dan Pembiayan Qardh terhadap Return on Asset (ROA) pada Bank Pembiayaan Rakyat Syariah di Indonesia Periode 2017-2021 Breghi, Willy; Cipta, Hendra; Amalia, Feby Ayu
JYRS: Journal of Youth Research and Studies Vol. 5 No. 1 (2024): Jurnal JYRS Juni 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/jyrs.v5i1.4676

Abstract

Return On Assets is an indicator used to measure bank management's ability to obtain overall profits. The greater the Return On Assets of a bank, the greater the level of profit achieved by the bank. There are two factors that influence Return On Assets, namely Ijarah financing, Qardh financing. This research aims to analyze whether Return On Assets is influenced by Ijarah financing and Qardh financing. This research uses a quantitative method using secondary data with a sample of 60 sample data from all Sharia People's Financing Banks. The objects of research are Ijarah financing, Qardh financing, and Return On Assets at Sharia People's Financing Banks in Indonesia for the 2017-2021 period. Data collection techniques in this research used documentation techniques and literature study. The data analysis techniques used in this research are the classical assumption test, multiple linear regression test, and hypothesis testing. This research uses Eviews 12 Software. The results of this research show that the Ijarah variable partially has a negative and significant effect on Return On Assets which has a tcount value of - 2.235981> ttable value of 2.001717 and a significance value of 0.0293 <0.05 which shows that this variable has a negative and significant influence on the Return On Asset variable. The Qardh variable partially has no significant effect on Return On Assets which has a t-count value of the Qardh variable of -1.861409 >< ttable value of 2.001717 and a significance value of 0.0678 > 0.05 which shows that this variable has no effect on the Return On Asset variable. There is a significant simultaneous influence of the Ijarah and Qardh variables on Return On Assets at Sharia People's Financing Banks in Indonesia in 2017-2021. This shows that the simultaneous test results have an Fcount value of 11.49290> a Ftable value of 3.16 with a significance value of 0.000064
Tabungan Syariah dalam Fatwa Dan Perundang-Undangan: Analisis Normatif terhadap Fatwa DSN-MUI dan Undang-Undang No. 21 Tahun 2008 Amalia, Feby Ayu
ISLAMITSCH FAMILIERECHT JOURNAL Vol. 6 No. 1 (2025): Islamitsch Familierecht Journal
Publisher : Fakultas Syariah dan Ekonomi Islam, IAIN Syaikh Abdurrahman Siddik, Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/ifj.v6i1.5395

Abstract

Bank Syari’ah merupakan lembaga intermediasi dan penyedia jasa keuangan yang bekerja berdasarkan etika dan sistem Islam. Khususnya yang etika dan sistem Islam mengarahkan lembaga ini bebas dari bunga (riba), bebas dari kegiatan spekulatif dan perjudian (maysir), bebas dari hal-hal yang tidak jelas (gharar). (dengan demikian lembaga ini berjalan dengan) berprinsip keadilan, dan hanya membiayai kegiatan usaha yang halal yang kesemuanya merupakan prinsip-prinsip perbankan syari’ah, sesuai dengan ketentuan Fatwa. Artikel ini mendiskusikan Tabungan Syariah Dalam Fatwa Dan Perundang-Undangan Bank Syariah. Fatwa dan UU Nomor 21 Tahun 2008 tentang Perbankan Syariah, adanya PBI dan SEBI menunjukkan bahwa eksistensi fatwa DSN-MUI diakui keberadaannya secara hukum. Eksistensi fatwa DSN-MUI semakin kokoh pasca diundangkannya UU Nomor 21 Tahun 2008 tentang Perbankan Syariah. Dalam Pasal 1 angka 12 dari Undang-Undang tersebut secara tegas disebutkan bahwa Prinsip Syariah adalah prinsip hukum Islam dalam kegiatan perbankan berdasarkan fatwa yang dikeluarkan oleh lembaga yang memiliki kewenangan dalam penetapan fatwa di bidang syariah. Hukum dari berinvestasi di Bank Syariah adalah boleh, karena dengan berinvestasi di Bank Syariah secara perlahan kita dapat membantu pemerataan ekonomi dan kesejahteraan ekonomi.