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oPtImALISASI PeRAn ZAkAt dALAm memBeRdAYAkAn PeRekonomIAn UmAt Al Arif, M Nur Rianto
ULUL ALBAB Jurnal Studi Islam Vol 14, No 2 (2013): ULUL ALBAB Jurnal Studi Islam
Publisher : Informasi dan Publikasi (INFOPUB)

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Abstract

The government poverty alleviation program could not give a significant change to reduce poverty. It needed a support from other sub-system, such as zakah. Zakah, as one of the Islamic fiscal instruments has played a significant role in Islamic economic. The potential of zakah would cover several aspects like poverty alleviation program through social welfare system. Zakah could obtain a social welfare system such as workplace accident insurance, old age pension, pension insurance, and death insurace. In addition, other problems such as housing for the poor, capital investment and education could be cared through zakah if zakah was managed and developed in a maximal way.
Penjualan on-line berbasis media sosial dalam perspektif ekonomi Islam Al-Arif, M. Nur Riyanto
IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan Vol 13, No 1 (2013): IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan
Publisher : Sekolah Tinggi Agama Islam Negeri Salatiga

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Abstract

Contemporary transactions along with the development of existing technologies have given rise to other forms of trading i.e. on-line trading. This paper aims to look at how the Islamic economic perspectives associated with on-line trading. The method used in this paper was library research. On-line trading had fulfilled the shariah principle, i.e. al-aqid, s}i>ghah, al-ma’qu>d alaih and the goal of the transaction. The transaction models that can be adopt in trading on line are bay’ al-mura>bah}ah and bay’ al-sala>m. Trading online had several advantage for buyer and seller, but trading on-line also had several problems. So, we must to had a strategy to minimize the various problems that may arise.
Efek Multiplier Zakat Terhadap Pendapatan di Propinsi DKI Jakarta Al Arif, M. Nur Rianto
Al-Iqtishad: Journal of Islamic Economics Vol 4, No 1: January 2012
Publisher : Faculty of Shariah and Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v4i1.2079

Abstract

The aim of this research is to analyze the multiplier effect of zakah revenue in DKI Jakarta, a study case at Badan Amil Zakat, Infak, and Shadaqah (BAZIS) DKI Jakarta. Least square methods is used to analyze the data. The coefficient will be used to calculate the multiplier effect of zakah revenue and it will be compared with the economy without zakah revenue. The result showed 2,522 multiplier effects of zakah revenue and 3,561 multiplier effect of economic income without zakah revenue. This suggest that the management of zakah in BAZIS DKI Jakarta still can have a significant influence on the economyDOI: 10.15408/aiq.v4i1.2079
THE EFFECT OF SPIN-OFF POLICY ON FINANCING GROWTH IN INDONESIAN ISLAMIC BANKING INDUSTRY Al Arif, M. Nur Rianto
Al-Ulum Vol 15, No 1 (2015): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

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Abstract

The purpose of this paper is to analyze the relationship between spin-off policy on the financing growth of Islamic banking industry in Indonesia. This research used panel  regression with fixed effect. The variable used in this paper is dummy variabel of spin-off, and also included the internal factor of industry such as third party fund, and efficiency ratio (measured by BOPO). Besides the internal factor, this research also included the external factor such as inflation rate, economic growth rate, and interest rate from conventional banking. The result shows that only third part funds and interest rate had an impact on the financing growth in spin-off banks. The spin-off policy doesn’t have an impact on the financing growth in spin-off banks -----Tujuan dari penulisan artikel ini ialah untuk menganalisis keterkaitan antara kebijakan pemisahan terhadap pertumbuhan pembiayaan pada industri perbankan syariah di Indonesia. Penelitian ini menggunakan teknik regresi panel dengan model efek tetap. Variabel yang dipergunakan dalam artikel ini ialah variabel dummy pemisahan, serta memasukkan pula faktor internal seperti dana pihak ketiga dan rasio efisiensi yang diukur dari BOPO. Selain itu dimasukkan pula faktor eksternal seperti tingkat inflasi, tingkat pertumbuhan ekonomi, dan tingkat suku bunga dari bank konvensional. Hasil yang ada menunjukkan bahwa hanya dana pihak ketiga dan tingkat bunga yang memiliki pengaruh terhadap pertumbuhan pembiayaan di bank syariah yang pisah. Kebijakan pemisahan tidak memiliki pengaruh terhadap pertumbuhan pembiayaan di bank syariah yang pisah.
Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel Al Arif, M Nur Rianto; Nurhikmah, Ika
AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017)
Publisher : Sekolah Tinggi Agama Islam Negeri Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i1.161

Abstract

Financing is one of the performance’s indicator in Islamic banking industry. The aim of this research is to examine the factors that influence the financing in the Indonesian Islamic banking industry. The method that used in this research is panel regression with fixed effect model. The variabels that used in this research are capital ratio, profitability ratio, default rate, liquidity ratio, efficiency ratio, deposit fund, inflation, and profit sharing yield. The result shows that the capital ratio, profitability ratio, efficiency ratio, deposit funds, and profit sharing yield had an impact on financing in the Indonesian Islamic banking industry. This result implies that the Islamic banks should maintain the internal factors to increase the financing in the Islamic banking industry.
TIPE PEMISAHAN DAN PENGARUHNYA TERHADAP NILAI ASET BANK UMUM SYARIAH HASIL PEMISAHAN Al Arif, M. Nur Rianto
KINERJA Vol 18, No 2 (2014): Kinerja
Publisher : Faculty of Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v18i2.528

Abstract

The objective of this research is to analyze the impact of spinoff type to total asset in spinoffs banks.The analysis technique used in this paper is panel regression with fixed effect model. The result shows that thespinoff type didn’t have an influence to total asset in spinoffs banks. This research also shows that the spinoffpolicy is to be evaluated because the economy of scale from the existing Islamic business units is still small. Thespinoff policy is one of the business strategies that can be done to develop the Islamic banking industry, but thispolicy is not the final goal of Islamic banking industry. The most important thing today is to create a healthy andcompetitive Islamic banking industry.Keywords: spinoff type; panel regression; islamic banks, bank asset
Monopoly and Ikhtikar in Islamic Economics Al Arif, M. Nur Rianto
Shirkah: Journal of Economics and Business Vol 1, No 3 (2016)
Publisher : Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (202.525 KB) | DOI: 10.22515/shirkah.v1i3.37

Abstract

Monopoly is a form of market imperfection, which does not occur in a competitive market. Ikhtikar is a form of market distortion caused by the occurrence of engineering in the market. Monopoly, from the perspective of Islamic economics, differs from ikhtikar. There are several criteria that must be met in order for an economic action to fulfill the category of ikhtikar. In Islamic economics, it is prohibited for a producer to deliberately engineer, either by hoarding or proporting scarcity, to obtain greater profits as price becomes more expensive. In Islamic economics, a monopoly is permitted, though monopolies can not charge rent. The government must take an effective role in preventing market distortion to maximize the wellbeing of society. Keywords: ikhtikar, monopoly, government’s role, islamic economics 
Optimalisasi Peran Zakat dalam Memberdayakan Perekonomian Umat Al Arif, M Nur Rianto
ULUL ALBAB Jurnal Studi Islam Vol 14, No 1 (2013): Islamic Studies
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (177.088 KB) | DOI: 10.18860/ua.v0i0.2320

Abstract

The government poverty alleviation program could not give a significant changeto reduce poverty. It needed a support from other sub-system, such as zakah.Zakah, as one of the Islamic fiscal instruments has played a significant role inIslamic economic. The potential of zakah would cover several aspects like povertyalleviation program through social welfare system. Zakah could obtain a socialwelfare system such as workplace accident insurance, old age pension, pensioninsurance, and death insurace. In addition, other problems such as housing forthe poor, capital investment and education could be cared through zakah ifzakah was managed and developed in a maximal way.Program pengentasan kemiskinan yang dijalankan oleh pemerintah masihbelum memberikan dampak yang signifikan terhadap penurunan tingkatkemiskinan. Ia membutuhkan dukungan dari sub sistem lain termasuk zakat.Zakat merupakan salah satu instrumen fiskal Islam yang telah memberikanperanan cukup signifikan dalam sistem ekonomi Islam. Potensi zakat akanmampu mencakup berbagai macam aspek termasuk untuk program pengentasankemiskinan dalam bentuk sistem jaminan sosial. Zakat dapat dipergunakandalam berbagai bentuk sistem jaminan sosial, seperti asuransi tenaga kerja,asuransi pensiun dan asuransi jiwa. Serta untuk mengatasi berbagai macammasalah seperti perumahan, akses permodalan dan pendidikan bagi si miskinyang dapat dilakukan melalui maksimalisasi pengelolaan dan pendayagunaanzakat.
Laku pandai’s program and deposit funds: study at bank of bri sharia Al Arif, M. Nur Rianto; Firmansyah, Firmansyah
Jurnal Ekonomi Vol 23, No 1 (2018): March 2018
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v23i1.329

Abstract

Laku Pandai’s program is one of the policies that implemented by the financial service authority (OJK) to expand the banking service to the people. One of the Islamic banks that had implemented the program is Bank of BRI Sharia. This research is going to examine the effectiveness of Laku Pandai’s program to deposit funds in Bank of BRI Sharia. This study using regression with the dummy variable. The result shows that there is a difference between pre and post-Laku Pandai’s program in Bank of BRI Sharia. This result implies that the Laku Pandai’s implementation had an impact on increasing deposit funds in Bank of BRI Sharia. So, it is recommended to add more Islamic banks that implemented the Laku Pandai’s program
Tingkat profitabilitas pembiayaan mikro dan metode economic value added : studi pada bank bri syariah Al Arif, M Nur Rianto; Hanifa, Suci
Jurnal Ekonomi Vol 22, No 2 (2017): July 2017
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v22i2.225

Abstract

Microfinance is one of the Islamic bank’s products for micro, small, and medium enterprises. The aim of this research is to analyze the profitability ratio in micro finance using economic value added method. The object of this study is at Bank of BRI Sharia. The result show that in 2014 had an economic value added  (EVA)about Rp 327.030.746.600 or about 10,48% from the financing. The EVA’s value shows that the microfinance at Bank of BRI Sharia had good enough. The implication of this result is Bamk of BRI Sharia should maintance and increase the quality of the financing strategy in microfinance product.