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Journal : Jurnal Ilmiah Ekonomi Islam

Interaksi Investasi, Dana Pihak Ketiga dan Pembiayaan Perbankan Syariah Terhadap Pertumbuhan Ekonomi di Sumatera Utara Sugianto Sugianto; Muhammad Yafiz; Anita Khairunnisa
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.229 KB) | DOI: 10.29040/jiei.v7i2.2601

Abstract

Economic growth is a picture to see the progress of economy a country or region, as measured with the amount of data on Gross Domestic Product (GDP) or data on Gross Regional Domestic Product (GRDP). The purpose of this study is to analyze the independence of the variables that affect economic growth, such as Domestic Investment (DI), Foreign Direct Investment (FDI), Third Party Funds (TPF) and Islamic Banking Financing. The research method uses a quantitative approach with secondary data in time series with the Vector Error Correction Model (VECM) methods and uses the help of Eviews 9 program. This study uses a sample from 2010 to 2020. The results of this study indicate that in the long run the variables of DI, FDI and Financing Islamic Banking have a positive and significant effect on the GRDP of North Sumatra, while the TPF Islamic Banking variable has a negative effect on the GRDP of North Sumatra. In the short term, the DI variable significantly affects the FDI. This study suggests that in order to advance the economy of a region, North Sumatra government should encourage and support activities carried out by DI and FDI, as well as financial institutions such as Islamic banking, which are primarily activities in the form of Third Party Funds and financing. The existence of financing disbursed by Islamic banking can provide capital assistance to business actors, so as to increase economic growth.
Model Quadruple Helix Dalam Pengembangan UMKM (Studi Kasus Pada Industri Pisang Sale Kutacane Kab. Aceh Tenggara) Muslim Marpaung; Sugianto Sugianto; Ulfa Yolanda
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (136.596 KB) | DOI: 10.29040/jiei.v7i2.2615

Abstract

This study aims to obtain a comprehensive picture of the synergy of banana sale stakeholders in Kab. Southeast Aceh. The Quadruple Helix model is one suitable model for social research and innovation. This study uses a qualitative research design with a phenomenological approach that seeks to understand the perspectives, thoughts and experiences of stakeholders regarding the synergy of Quadruple Helix stakeholders in realizing the development of the banana sale business in Kab. Southeast Aceh. The results show that there are a number of problems related to synergy in the development of banana sale in Kab. Aceh Tenggara is partly because there is no common vision of stakeholders and cooperation and coordination between banana sale business actors, the government and stakeholders. Each stakeholder translates the sale of bananas, causing a debate on how to develop the sale of bananas in the future. In particular, the government should pay special attention to banana sale managers equally to develop the banana sale business and support from the wider community. The key to the successful implementation of the banana sale business development in Kab. Aceh Tenggara, among others, unity of mission, joint commitment and coordination among stakeholders.
Transaksi Valuta Asing (Sharf) dalam Perspektif Islam dan Aplikasinya dalam Bank Syariah Alfi Amalia; Saparuddin Siregar; Sugianto Sugianto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4351

Abstract

This study aims to determine the Islamic foreign exchange exchange system (Al-Sharf) in Islamic banks and the views of Islamic banks on foreign currency exchange contracts in accordance with the principles that apply in Islamic teachings (Sharia). This research is a type of descriptive qualitative research, which is to understand deeply about the problem under study by collecting related data and information. The results of this study indicate that; shows that the practice of buying and selling foreign currency (Al-Sharf) according to mu'amalah fiqh is permissible if it is carried out on the basis of willingness between the two parties and in cash (spot) and it is not permissible to add goods of the same kind (gold with gold or silver). with silver). The involvement of Islamic Banks in the application of foreign exchange trading applications, banks are essentially an Intermediary Institution between savers and investors, and Islamic banks are no exception. However, Islamic banks must comply with Sharia provisions based on the Qur'an and Sunnah.
Analisis Efektivitas Peran BLK Komunitas dalam Upaya Meningkatkan Skill Tenaga Kerja Ditinjau dari Perspektif Ekonomi Islam Siti Mutiah Ulfha; Andri Soemitra; Sugianto Sugianto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5738

Abstract

The background of the problem in this study is that the original purpose of establishing the Community work exercise hall did not go as well as expected. Like, still increasing unemployment, the training process does not improve the workforce's skills to be better qualified. There is an absence of re-evaluation by the community work training hall to pre-training participants. This study determines the effectiveness of the role of community work exercise halls to improve the workforce's skills in Deli Serdang. This study uses the effectiveness theory introduced by Duncan, consisting of goal achievement, integration, and adaptation. The method used in this study is a qualitative descriptive method. The data analysis used in this study is an interactive analysis by miles and Huberman. Research results show that the effectiveness of the role of community work exercise halls has not been progressing effectively and optimally. This study concludes that the purpose of establishing the establishment of this Community Work Training Hall has not been fully achieved, the socialization implemented which is not yet optimal, and the lack of facilities needed to support the implementation of job training at the Community Work Training Hall. The researcher suggested that the community of work exercise halls conduct re-supervision, improve socialization, and consider setting up facilities for smooth job training implementation.
Menguji Peran Pembiayaan Mudharabah, Musyarakah, dan Murabahah Dalam Peta Profit Efficiency Perbankan Syariah di Indonesia Masa Pandemi COVID-19 Saparuddin Siregar; Sugianto Sugianto; Syachrul Wahyudi
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5415

Abstract

Sharia banking in Indonesia is currently facing a big challenge, COVID-19, which has made the country's economy and society sluggish. This study aims to examine the roles of murabahah, mudharabah, and musyarakah financing in the profit efficiency map of Islamic banking in Indonesia in the period before and during the COVID-19 pandemic. The sample data used is monthly aggregate data from Islamic Commercial Banks (BUS) and Sharia Business Units (UUS) for the period January 2018 – August 2021. The Stochastic Frontier Analysis (SFA) method is used in this study to estimate profit efficiency and the determinant factors involved. The results of this study indicate the estimated average value of profit efficiency is 85.83%. The value of profit efficiency during the COVID-19 pandemic is relatively greater than before the pandemic. BUS has a relatively smaller profit efficiency than UUS in the before and during pandemic period. Mudharabah financing become significant determinant factors on profit efficiency. On the contrary musyarakah financing has negatif effect, and murabahah has not yet taken a significant role as a determinant factor during the sample period.
Strategi Pengembangan Bank Syariah dengan Menggunakan Analisis SWOT (Studi Kasus di Kabupaten Toba) Sugianto Sugianto; Muhammad Arif; Muhammad Irfan
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5861

Abstract

Islamic syaria teaches the procedure of muamalah in several forms of contracts, one of which is the musharaka contract. The practice of Muamalah-Musyarakah contracts was used in the Islamic financial prosperity is very advanced but Islamic banking does not exist, even though there are many government-owned banks that have long been established. The purpose of this study was to determine the development strategy, opportunities and challenges of establishing a sharia bank in Toba Regency . The research approach used in this study is a descriptive qualitative approach, with a SWOT analysis method. The results of this study indicate that the strategy of developing Islamic banks in the autonomous region of Toba Regency increases the promotion and socialization of Islamic bank products. The opportunity to establish a sharia bank in the autonomous region of Toba Regency, has a large enough opportunity as evidenced by the Banking Law & MUI Fatwa, the MUI fatwa on usury shows that the Banking Law and MUI Fatwa can influence and encourage prospective customers to trust funds in Islamic banks. The challenges of establishing a sharia bank in the autonomous region of Toba Regency, namely the conventional system and other financial institutions that are more developed, make it a challenge for the development of sharia banks in Toba Regency, as well as the lack of promotion or socialization of Islamic financial institutions in Toba Regency, because the community has never been in direct contact with the bank Syariah.
Apakah Regiulitas Memoderasi Keputusan Nasabah Bank Syariah Selfi Afriani Gultom; Saparuddin Siregar; Sugianto Sugianto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.5416

Abstract

This article is meaned to analyze the factors of service quality, product quality and promotion of the choice as a sharia bank customer by combining the moderating variable, namely religiosity. The research population is the customer of Bank Syariah Indonesia in the city of Medan. Determination of the sample is done by random method and set the number of only 100 people because of the large population, the range is too wide and the population is uniform so that it can be represented by others. The instrument of data collection was done by distributing questionnaires. Furthermore, data analysis with SEM-PLS. The results showed that service quality, product quality and promotion had a significant effect on the decision to become a customer of a sharia bank but religiosity was not able to moderate services, products and promotions on the decision to become a customer. The level of religiosity of Muslims is not an indicator for choosing to become a customer of a sharia bank. The implication of this research is that policies on Islamic banking continue to improve service quality because all banking customers without being influenced by religiosity are very happy to get the best service from banks. Islamic banks must continue to innovate on Islamic bank products that can make it easier for customers to transact regardless of customer religiosity. Islamic banks must continue to carry out best promotions to all public.