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The Law Concept of Sharia Banking Compliance on Murabaha Financing in Indonesia Ghozali, Mohammad; Sup, Devid Frastiawan Amir; Prastyaningsih, Ika; Adan, Hasanuddin Yusuf
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 8, No 3 (2024): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v8i3.11313

Abstract

Submission to sharia is a fundamental factor which discriminates sharia banking from the conventional one. Therefore, sharia banking as intermediating institution and provider of financial services which base their operation on Islamic sharia values have to ensure their compliance towards sharia principles. Besides, sharia banking applies profit sharing principle as the main foundation in fund collection, fund distribution, and financing. A product dominating and attracting customers the most is murabaha. This product still receives tough critics from scientists, though, so that this research aims at investigating sharia banking compliance on murabaha financing viewed from the perspective of fatwa from DSN-MUI. This research applies qualitative design with normative approach (DSN-MUI fatwa). The result of the study shows that murabaha contract in Indonesian sharia banking must fulfill sharia compliance stated in the Qur’an, Sunnah, Regulation of Bank of Indonesia, and DSN-MUI fatwa.
PENGARUH BAURAN PEMASARAN ISLAM (4P) TERHADAP LOYALITAS KONSUMEN MANGROVE CORPORATION (UMMILOVELY) Triyawan, Andi; Prastyaningsih, Ika; Pradhistya, Marsela
Journal of Sharia Economics Vol. 4 No. 1 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i1.2517

Abstract

Berdasarkan data PBS, ITB Indonesia mengalami fluktuasi yang disebabkan oleh beberapa faktor. Disamping itu, pemasaran konvensional tidak memiliki batasan atau pedoman dalam menjalani kegiatan perekonomian. Hal tersebut dapat menyebabkan banyak permasalahan. Dengan demikian integrasi bauran pemasaran yang Islami dapat menjadi alternatif dalam memecahkan permasalahan tersebut. Permasalahannya adalah bauran pemasaran islam hanya sekedar teoritis dan belum ada bukti empiris. Dengan demikian, penelitian ini bertujuan untuk menganalisis bauran pemasaran Islam terhadap loyalitas konsumen, dengan objek penelitian di Ummilovely. Penelitian ini menggunakan metode kuantitatif dengan PLS-SEM dengan varibel dependen (bauran pemasaran Islam 4p), dan variabel independen (kepuasan dan loyalitas). Dalam pengumpulan data peneliti menggunakan kuesioner sebagai data primer, dengan sempel sebanyak 60 responden. Dari hasil pengujian, didapat pemasaran Islam memiliki pengaruh yang postif terhadap loyalitas konsumen. Akan tetapi, hanya bauran tempat, dan kepuasan yang memiliki relevansi secara segnifikan terhadap loyalitas konsumen. Dengan ini, peneliti berharap penelitian ini menjadi masukan bagi perusahaan untuk meningkatkan produk yang ada dengan memperbanyak variasi produk, dengan harga yang sesuai. Selain itu, dalam hal promosi disarankan kepada perusahaan untuk lebih gencar lagi dalam mempromosikan produk yang dihasilkan.
ANALYSIS OF COST AND REVENUE : EMPIRICAL STUDY OF BUSINESS UNIT WAKAF ANISA BAKERY Triyawan, Andi; Prastyaningsih, Ika; Nabila Dwi Syahreni
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.2941

Abstract

The aim of this research was to examine the expenses and revenue of the Annisa Bakery Gontor Putri Campus 1 business division. A qualitative descriptive method was utilized, employing a case study approach at the Mantingan branch of the Annisa Bakery Business Unit located in Ngawi, East Java. Data was collected through financial records encompassing both costs and sales generated during a single production cycle. The findings of this study reveal that the average monthly revenue obtained by the Annisa Bakery business unit amounted to IDR 46,336,500, while the total expenses incurred by the business unit amounted to IDR 18,817,500. Moreover, the analysis indicates that the bread business conducted by the Annisa Bakery business unit is considered feasible, as the R/C ratio exceeds 1, with a value of 3.40.
SHARIA COMPLIANCE IMPLEMENTATION IN ISLAMIC BANKING: A STUDY ON BUILDING CUSTOMER CONFIDENCE Lahuri, Setiawan Bin; Prastyaningsih, Ika; Mahfudz, Akhmad Affandi; Ahmad, Rusyda Afifah; Muhammad, Izlawanie
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 7 No 2 (2024): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v7i2.7949

Abstract

The lack of customer trust in Islamic banks has led to in a persistently low market share of the Islamic financial market in Indonesia, which is currently below 5.33%. Therefore, this study aims to investigate the implementation of Sharia compliance in Indonesian Sharia Banks, with a particular emphasis on social performance. The qualitative methods and Analysis Network Process (ANP) were used to investigate this phenomenon, with data collected from banking compliance officers, staff, and Sharia compliance experts. The results of this study show that Bank Syariah Indonesia Solo Branch has successfully implemented Sharia compliance across 42 items comprising 6 indicators of the Islamic Social Reporting Index. This comprehensive method is evident in the bank's focus on operations, products, and employees, showing a holisitic commitment to Sharia compliance in Islamic banking.
Upaya Pencapaian Kesejahteraan Masyarakat Melalui Pengelolaan Pajak: Relevansi konsep al Kharaj Abu Yusuf di Indonesia syamsuri, syamsuri; Prastyaningsih, Ika
An-Nisbah: Jurnal Ekonomi Syariah Vol 5 No 1 (2018): An-Nisbah
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2018.5.1.236-256

Abstract

Secara umum sistem perekonomian Islam terbagi menjadi tiga sector yaitu publik, swasta dan keadilan sosial. Pada sektor publik atau biasa disebut fiscal sendiri sumber penerimaannya dibagi lagi menjadi tiga; dari kaum muslimin, non-muslim dan sumber umum. Walau bagaimana pun ada satu instrument pendapatan Negara yang memungkinkan diterapkan di Negara Indonesia pada masa kejayaan Islam yaitu pemungutan pajak tanah (kharaj) kepada seluruh penduduk muslim maupun non-muslim. Abu Yusuf seorang tokoh pemikir ekonom muslim pada masa keemasan khalifah Harun al Rasyid, dengan terbitnya kitab fenomenalnya al Kharaj sebagai buku petunjuk administrasi dalam mengelola baitul mal yang baik dan benar untuk mencapai kesejahteraan umat. Perlu kiranya dikaji ulang melihat sejauhmana relevansinya konsep tersebut saat ini. Akhirnya artikel ini memberikan tawaran dengan lima konsep al-kharaj Abu Yusuf yang memungkin diterapkan di negara Indonesia yaitu tarif pajak muqosamah, sistem self assesment, pemungutan pajak berdasarkan kesuburan tanah, usyur sebagai bea cukai, intensifikasi pengelolaan pajak dan intensifikasi pengawasan pajak.
THE IMPACT OF COVID 19 TOWARD ECONOMIC’S COUNTRY OF SINGAPURA Triyawan, Andi; Susilo, Adib; Afif, Mufti; Azzahra, Miftah; Prastyaningsih, Ika
Jurnal Apresiasi Ekonomi Vol 11, No 1 (2023)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (382.11 KB) | DOI: 10.31846/jae.v11i1.477

Abstract

 ABSTRACTThis study aims to examine the effect of Covid-19 on the economy in Singapore. The method used in this study is a qualitative method using secondary data in the form of scientific journals and other literature studies. Based on the research results, the authors can conclude that the impact of the corona virus pandemic is not only on the health sector, but also all sectors are feeling the impact. Several countries that joined ASEAN had to experience a recession during the corona virus pandemic. This happens because there is a government policy in every country which requires people not to create crowds and reduce activities outside the home which causes crowds and reduces activities outside the home which causes economic processes to be hampered. This policy was made so that the spread of the corona virus can be overcome and the pandemic ends quickly so that everyone can carry out moral activities as before.Keywords: Singapore, Economic, Covid 19.