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All Journal Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah JESI (Jurnal Ekonomi Syariah Indonesia) Al-Musthofa: Journal of Sharia Economics LISAN AL-HAL: Jurnal Pengembangan Pemikiran dan Kebudayaan Value: Jurnal Manajemen dan Akuntansi Dimasejati: Jurnal Pengabdian Kepada Masyarakat Prophetic Law Review Equalita: Jurnal Studi Gender dan Anak Nama jurnal : International Journal of Education and Humanities Co-Value : Jurnal Ekonomi, Koperasi & Kewirausahaan Jurnal Pengabdian Masyarakat Bestari (JPMB) Journal of Finance and Business Digital (JFBD) Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Jurnal Kajian Ekonomi dan Perbankan Syariah Ecopreneur : Jurnal Ekonomi dan Bisnis Islam Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Aziz, Abdul
IAIN Syekh Nurjati Cirebon
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Nursing Public Health Social Sciences Other

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PERAN BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DALAM PENGEMBANGAN UMKM DI INDONESIA Abdul Aziz; Iis Nur’aisyah; Leonita Silvyna Dora; Kholishoh Kholishoh
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 5 No. 2 (2020): Desember 2020
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v5i2.7023

Abstract

     ABSTRAC The object of research is the Islamic People's Financing Bank in Indonesia, where the source of the data is obtained from the Financial Services Authority (OJK) website. The type of data used is secondary data in the form of evidence, notes, or historical reports that have been neatly arranged in the archives using literary, documentary, discussion, and subjective-intuitive study techniques. Based on the results of the study showed that the BPRS has implemented good management between the ratio of deposits to financing, especially intended for MSMEs. In this MSMEs financing, MSMEs is trusted by the public by reflecting the amount of financing which has increased every year. This can also be seen with the increasing number of MSMEs each year in Indonesia. Keywords: Role of Islamic Bank; Sharia Financing Bank; UMKM. ABSTRAKObjek penelitian ini yaitu Bank Pembiayaan Rakyat Syariah di Indonesia yang sumber datanya diperoleh dari website Otoritas Jasa Keuangan (OJK). Jenis data yang digunakan adalah data sekunder berupa bukti, catatan, atau laporan historis yang telah tersusun rapi dalam arsip dengan menggunakan teknik studi literatur, dokumenter, diskusi, dan intituitif-subjektif. Berdasarkan hasil penelitian menunjukkan bahwa  BPRS telah menerapkan manajemen yang baik antara rasio DPK terhadap pembiayaan khususnya diperuntukkan kepada UMKM. Dalam pembiayaan UMKM ini, BPRS dipercaya oleh masyarakat dengan tercerminnya jumlah pembiayaan yang setiap tahunnya mengalami peningkatan. Hal ini juga dapat dilihat dengan meningkatnya jumlah UMKM setiap tahunnya di Indonesia. Kata Kunci: Peran Bank Syariah; Bank Pembiayaan Rakyat Syariah; UMKM.   
ANALISIS DETERMINAN VOLATILITAS NILAI KURS RUPIAH DI INDONESIA TAHUN 2010-2022 Insulinde Yuliyati; Ayus Ahmad Yusuf; Abdul Aziz
INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 8 No. 1 (2023): Juni 2023
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/inklusif.v8i1.14308

Abstract

The purpose of this research is to analyze the determinants of the volatility of the rupiah exchange rate in Indonesia in 2010-2022. Rising and falling currencies on the money market indicate volatility that occurs in the currency of one country to another. When currency values experience extreme volatility, the economy will experience macro and micro instability. In this study, there are four macroeconomic variables that are thought to influence the Rupiah exchange rate as a dependent variable, including international trade (independent variable I), investment (independent variable II) and foreign exchange reserves (intermediate variable). The location of the research was carried out in the territory of the Republic of Indonesia, this selection was due to the research analyzing the Rupiah exchange rate so that it was relevant as a research location. The research object is the Rupiah Exchange Rate. The data collection technique as a data source uses secondary data obtained through the Central Bureau of Statistics and Bank Indonesia. The data analysis technique in this study is to use path analysis, which is a diagram that connects independent variables, intermediate variables and dependent variables. Relationship patterns are shown. by using arrows, where a single arrow shows a causal relationship between variables. The results of the study used a) the classical assumption test, consisting of, among other things, the normality test, multicollinearity test and autocorrelation test and heteroscedasticity test. (b) validity test. Based on the results of the discussion of research on Determinant Analysis of Rupiah Exchange Rate Volatility in Indonesia in 2010-2022 is an international trade variable has a positive and significant effect on the rupiah exchange rate, export and import variables have a positive effect on economic growth. Investment variables have a positive and significant effect on the rupiah exchange rate, while foreign exchange reserves have an indirect effect on the rupiah exchange rate.Keywords: Rupiah Exchange Rate, International Trade, Investment, Foreign Exchange Reserves.
PERJANJIAN KEMITRAAN ANTARA PT. GO-JEK CABANG CIREBON DENGAN MITRA PENGENDARA DALAM PRESPEKTIF HUKUM ISLAM DAN HUKUM PERDATA Ratna Sari; Afif Muamar; Abdul Aziz
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 4 No. 2 (2019)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v4i2.5493

Abstract

AbstractThis study aims to find out and analyze how the practice of this partnership agreement is seen from Islamic law and Civil law. The method used in this study is Normative Juridical and qualitative research approaches. Data collected is from observation, interviews, and literature study. The results of this study. 1) In terms of Islamic law, the implementation of the partnership agreement between PT. Go-Jek Indonesia with the rider's partner, Akad Syirkah, contained in DSN Fatwa Number 114 / DSN-MUI / IX / 2017 concerning Syirkah Agreement. This agreement is also included in Syirkah Inan. Whereas 2) in terms of Civil Law, this Go-Jek partnership agreement is by Article 1313 of the Civil Code because all of the terms of the agreement contained in the Civil Code Article 1320. This agreement also does not conflict with the principle of freedom of contract, because an agreement has been reached with the signing and Click agree on the Go-Jek application by Rider Partners, so this agreement is legal and binding on both parties. And must exercise their rights and obligations for the contracting parties.Keywords: Partnership Agreement, Islamic Law, Civil Law, and Go-Jek. AbstrakPenelitian ini bertujuan untuk mengetahui dan menganalisis bagaimana praktek dari perjanjian kemitraan ini dilihat dari hukum Islam dan hukum Perdata. Metode yang digunakan pada penelitian ini yaitu Yuridis Normatif dan pendekatan penelitian kualitatif. Data yang dikumpulkan yaitu dari observasi, wawancara, dan studi pustaka. Adapun hasil dari penelitian ini. 1) Ditinjau dari hukum Islam, pelaksanaan perjanjian kemitraan antara PT. Go-Jek Indonesia dengan mitra pengendara yaitu Akad Syirkah yang terdapat dalam Fatwa DSN Nomor 114/DSN-MUI/IX/2017 Tentang Akad Syirkah. Perjanjian ini juga termasuk dalam Syirkah Inan. Sedangkan 2) ditinjau dari Hukum Perdata, perjanjian kemitraan Go-Jek ini sesuai dengan KUHPerdata Pasal 1313 karena terpenuhinya semua syarat perjanjian yang terdapat dalam KUHPerdata Pasal 1320. Perjanjian ini juga tidak bertentangan dengan asas kebebasan berkontrak, karena sudah tercapainya kata sepakat dengan adanya penandatanganan dan klik setuju pada aplikasi Go-Jek oleh Mitra Pengendara, sehingga perjanjian ini sah dan mengikat kedua belah pihak. Serta harus melaksanakan hak dan kewajibannya bagi para pihak yang berkontrak.Kata Kunci: Perjanjian Kemitraan, Hukum Islam, Hukum Perdata, dan Go-Jek.
Co-Authors Abdul Ghofar Abdul Hakim Abu Hasan Mubarok Abu Hasan Mubarok Adistia Octaliadi Afif Muamar Ayus Ahmad Yusuf Bakhri, Syaeful Candri Candri Caswito Deden Kurniawan Dedi Djubaedi Didin Nurul Rosyidin Halimatus Sa'diyyah Iis Nur’aisyah Iis Nur’aisyah Insulinde Yuliyati Jaya Mualimin Jaya Mualimin Kania Soraya Karkus Mehan Kholishoh Kholishoh Kukuh Wibowo Kurniawan, Heru Larasati, Andini Ayu Leonita Silvyna Dora Lusiana, Nisa Mawar Jannati Al Fasiri Moh. Mabruri Faozi Mohammad Rana Nurhayati Siregar Nursyamsiah Ratna Sari Ririn Sarinah Sarah Sumiati Shodikin, Akhmad Siti Kholifatul Jannah Sugeng Priyanto, Sugeng Suryo Dwi Pranoto Ummi Khulsum Wahyu Purbo Santoso Wanti Ernawati Wasman, Wasman Yahya Zainul Muarif