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All Journal BISNIS: Jurnal Bisnis dan Manajemen Islam El-Qist : Journal of Islamic Economics and Business (JIEB) Share: Jurnal Ekonomi dan Keuangan Islam Imara: Jurnal Riset Ekonomi Islam Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Binti Nur Asiyah
IAIN Tulungagung
Religion Economics, Econometrics & Finance Environmental Science Library & Information Science Social Sciences

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Dampak dan Strategi Kebijakan Pengembangan Pembiayaan Dan Inklusifitas Keuangan Dalam Peningkatan Pembiayaan Bank Syariah Di Indonesia Binti Nur Asiyah
BISNIS Vol 5, No 1 (2017): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v5i1.2950

Abstract

This paper is motivated by the policy of the Financial Services Authority, in which Shariah Banking is able to compete and perform the intermediation function equally and felt by the people of Indonesia. The policy of the Financial Services Authority has a synergy between sharia banking and the Community in the form of easily accessible financing. This paper aims to determine the impact and strategy of development policy of Financing and financial inclusiveness in increasing the financing of Bank Syariah in Indonesia. The method used is qualitative approach, descriptive type. The result of this paper is the policy of development of financing and financial inclusions have a significant impact for the improvement of financing. The strategies for the policy to produce maximum financing; first the need for support from the government as regulatory publishers, universities, state enterprises to support the financing climate; secondly, the shift of regulatory thinking from the achievement of the quantity of funds alone, but also must be based on the number of people who can be served. Third Improvement of Sharia Banking Human Resources with the training policy, providing sufficient incentives and minimum standards for recruitment of sharia banking managers. Thirdly, sharia banking always considers Third Party Funds Management, Fourth; consider the profit-sharing rate used in the financing contract. Fifth, Sharia Banks have the opportunity to cooperate (chanelling) with Non-Governmental Groups that have been free from poverty, and maximize financing for the allocation of Micro Small and Medium Enterprises.
Analisis Dampak Sukuk pada Perekonomian Nasional di Tengah Wabah Covid 19 Binti Nur Asiyah; Indah Nur Aini; Rama Prasetya Mahardika; Lyliya Nurul Laili
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 1 (2020): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2020.10.1.55-68

Abstract

Sukuk is a form of investment that has an impact on the national economy which is currently weakening due to the Covid-19 pandemic. Covid 19 has had an impact on the faltering of the people's economy from business to financial institutions (sharia and conventional). The state has the need to fulfill the state budget in order to address the problem of the impact of covid 19 quickly. This paper is intended to analyze the impact of sukuk on economic growth during the covid pandemic 19. The process of collecting data is done by analyzing data observed through OJK statistics and collecting various information related to covid-19 and the data are analyzed qualitatively. Based on the results of the study it was found that Sukuk became a source of funds for the government to finance development, thus creating new jobs for the community in the long run. Sukuk provide benefits for the liquidity of Islamic financial institutions due to the impact of covid 19, and also investment facilities for the community. Key Words: Impact; Sukuk; national economiy; Covid-19. Abstrak: Sukuk termasuk bentuk investasi yang memberikan dampak bagi perekonomian nasional yang saat ini melemah karena adanya pandemi Covid-19.Covid 19 telah memberikan dampak bagi tersendatnya perekonomian masyarakat mulai bisnis hingga lembaga keuangan (syariah dan konvensional). Negara memiliki kebutuhan pemenuhan APBN guna menjawab masalah dari dampak covid 19 secara cepat. Paper ini dimaksudkan untuk menganalisis dampak sukuk bagi pertumbuhan ekonomi di masa pandemi covid 19. Proses pengumpulan data dilakukan dengan cara menganalisis data yang diobservasi melalui statistik OJK dan mengumpulkan berbagai informasi terkait covid-19 dan data dianalisis secara kualitatif. Berdasarkan hasil pengkajian diperoleh bahwa Sukuk menjadi sumber dana bagi pemerintah untuk membiayai pembangunan, sehingga menciptakan lapangan kerja baru bagi masyarakat dalam jangka panjangnya. Sukuk memberikan kemanfaatan bagi likuiditas lembaga keuangan syariah akibat dampak covid 19, dan juga sarana investasi bagi masyarakat.. Kata Kunci : Dampak; Sukuk; Perekonomian Nasional; Covid-19.
PHILANTHROPY OF ISLAMIC BANKING: A STRATEGY IN STRENGTHENING THE ECONOMIC GROWTH AND PROSPERITY Binti Nur Asiyah; M. Ridlwan Nasir; Muhamad Ahsan
Share: Jurnal Ekonomi dan Keuangan Islam Vol 8, No 2 (2019)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (10.363 KB) | DOI: 10.22373/share.v8i2.4842

Abstract

Islamic banking has philanthropy values presented in zakat and other virtue funds as it aims at enhancing economic growth and prosperity. These philanthropy instruments are one of the differences between Islamic banks and conventional banks. However, the role of zakat and other funds in enhancing people’s welfare needs to be analyzed since the market share of Islamic banks is still growing slowly. This paper is intended to analyze the influence of zakat and the other virtue funds towards the realization of social welfare. In specific, this paper also intends to find a strategy for strengthening welfare through the role of philanthropy of Islamic banks. This study utilizes a quantitative approach that is analyzed using the Spearman correlation test. The results of the paper are: first, zakat has no significant correlation on welfare; second, other virtue funds have a significant correlation with welfare. The strategy proposed is to empower zakat collection agencies funds and establish channeling that link to Islamic banks so that the productive zakat allocation can be managed by Islamic bank customers.==============================================================================================Filantropi Perbankan Syariah: Suatu Strategi dalam Penguatan Pertumbuhan Ekonomi dan Kesejahteraan.  Bank syariah memiliki nilai filantropi dalam zakat dan dana kebajikan lainnya dimana instrumen tersebut bertujuan untuk meningkatkan pertumbuhan ekonomi dan kemakmuran masyarakat. Instrumen ini merupakan salah satu yang membedakan antara bank konvensional dengan bank syariah. Akan tetapi, sejauhmana peran zakat dan instrumen filantropi dalam meningkatkan kesejahteraan masyarakat masih harus dianalisis lebih lanjut mengingat pertumbuhan market share dari bank syariah masih sangat rendah. Paper ini bertujuan untuk menganalisis pengaruh zakat dan dana kebajikan lainnya terhadap terwujudnya kesejahteraan masyarakat. Paper ini sekaligus bermaksud menemukan suatu strategi dalam penguatan kesejahteraan melalui peran sosial finance bank syariah. Paper ini ditulis dengan pendekatan kuantitatif yang dianalisis dengan spearman correlation test. Hasil kajian menunjukkan bahwa: pertama, zakat memiliki korelasi yang tidak signifikan terhadap kesejahteraan; kedua, dana kebajikan memiliki korelasi yang signifikan terhadap kesejahteraan. Adapun strategi penguatan yang perlu dilakukan adalah meningkatkan alokasi dana zakat kepada lembaga amil zakat dan membangun chaneling dengan bank syariah agar alokasi zakat produktif dapat dikelola oleh nasabah bank syariah.
PELARANGAN RIBA DALAM PERBANKAN; IMPACT PADA TERWUJUDNYA KESEJAHTERAAN DI MASA COVID-19 Binti Nur Asiyah; Nur Azrin Yuliani; Evita Amelia; Fifin Nasiroh
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 1 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i1.2083

Abstract

The aim of prohibiting usury is to protect people who conduct mu’amalah. Indeed, Al qur’an prohibited it because it is resulted injustice. It is obviously felt in the period of Covid-19 Pandemic.  The research purpose was to analyze the problems of applying usury system in banking and to analyze the privileges of prohibiting usury system in banking. The descriptive research was used in this paper. The results show usury systems resulted gaps and injustice. Indeed, it is also caused economic instability. A solution for this problem is profit sharing. This system can bring justice and it will lead into economic equality particularly in the era of Covid-19 pandemic. Therefore, by applying Islamic economic system, the economy is more stable and social welfare can be achieved.
Pengaruh Dana Pihak Ketiga (DPK) Mudharabah Anggota dan Liability Lembaga Lain Terhadap Return On Equity (Study Pada Lembaga Keuangan Syariah Non Bank di Tulungagung dan Blitar) Binti Nur Asiyah; Lantip Susilowati; Nur Aziz Muslim
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 5 No. 1 (2018)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v5i1.1625

Abstract

This study is based on the limitations of non-bank syariah financial institutions (Baitul Maal wat Tamwil) in accessing funds from members. The Cooperative Act of 2012 provides an opportunity for Cooperatives to access funds from other institutions. This condition has an impact on profit performance for equity owners. If the profit is low then the institution's sustainability is threatened. The equity holder moves his funds into a more profitable business. This research aims to; 1) Analyzing the condition of Third Party Funds (DPK) mudharabah at BMT in Tulungagung and Blitar. 2) Analyzing other institutions' liability conditions in BMT Tulungagung and Blitar. 3). Analyzing the condition of return on equity at BMT in Tulungagung and Blitar. 4) Test the significant influence of Third Party Funds (DPK) mudharabah on return on equity at BMT in Tulungagung and Blitar. 5) Examining the significant influence of other institutions' liability on return on equity in BMT Tulungagung and Blitar. 6) Examine the significant influence of Third Party Funds (DPK) mudharabah and other institutional liability to return on equity in BMT Tulungagung and Blitar. This research was conducted with a quantitative approach and type of associative research. Data analysis was done by data normality test, classical assumption test (Multikolineritas, heterokedastisitas, autokorelasi), multiple regression test, hypothesis test, coefficient of determination test. The results of this study are 1). The condition of Third Party Funds (DPK) mudharabah members experience fluctuations in both BMT in Tulungagung, while in Blitar tend to decrease. 2) Liability of other institutions is more needed in BMT Blitar, than in Tulungagung. 3). Return on equity is greater on BMT in Blitar than in Tulungagung. 4) Mudharabah DPK has a positive but not statistically significant effect on the return on equity of non-bank Islamic financial institutions in Tulungagung and Blitar. 5) Liability to other institutions gives a negative and not statistically significant effect on the return on equity of non-bank Islamic financial institutions in Tulungagung and Blitar. 6) Simultaneously mudharabah DPK variable and liability at other institution give influence and not statistically significant to return on equity BMT in Tulungagung and Blitar
Co-Authors Evita Amelia Fifin Nasiroh Indah Nur Aini Lantip Susilowati Lyliya Nurul Laili M. Ridlwan Nasir Muhamad Ahsan Nur Aziz Muslim Nur Azrin Yuliani Rama Prasetya Mahardika