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PEMBIAYAAN PROFIT & LOSS SHARING PADA BANK SYARIAH (ANALISA PANDANGAN PRAKTISI PERBANKAN SYARIAH DI ACEH) Dhiwa, Malem; Khalidin, Bismi; Furqani, Hafas
Journal of Sharia Economics Vol 1 No 1 (2020): 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.v1i1.625

Studi ini bertujuan untuk menguraikan permasalahan pembiayaan profit & loss sharing pada bank syariah (analisa pandangan praktisi perbankan syariah di Aceh). Hasil penelitan menunjukkan bahwa: 1) Praktik pembiayaan PLS pada industri perbankan syariah di Aceh telah mematuhi fatwa DSN-MUI tentang pembiayaan PLS; 2) Praktisi industri perbankan syariah di Aceh telah mengetahui fatwa DSN-MUI tentang pembiayaan PLS; 3) Praktisi industri perbankan syariah di Aceh telah mematuhi fatwa DSN-MUI pembiayaan PLS; 4) Praktik pembiayaan PLS pada industri perbankan syariah di Aceh telah mematuhi fakta DSN-MUI pembiayaan PLS. 5) Membahas peluang dan saran dalam pengembangan perbankan syariah. Metode penelitian ini merupakan deskriptif analisis dengan pendekatan normatif. Dalam penelitian ini akan dideskripsikan secara rinci dan sistematis mengenai pembiayaan PLS (fokus pada pembiayaan murabahah dan pembiayaan musyarakah) pada industri perbankan syariah di Aceh (Sebuah analisa terhadap pandangan praktisi). Adapun teknik pengambilan sampel dalam penelitian ini menggunakan metode purposive sampling yaitu setiap responden yang memenuhi kriteria sampel dimasukkan dalam penelitian ini dalam waktu yang telah di tentukan. Penelitian tentang analisis pembiayaan profit & loss sharing pada bank syariah (analisa pandangan praktisi perbankan syariah di Aceh) menggunakan skala Guttman, yaitu skala yang menginginkan jawaban tegas yang bersifat jelas dan konsisten seperti benar-salah, ya-tidak, dan sebagainya. Skala ini dikembangkan oleh Louis Guttman. Skala Guttman mengukur suatu dimensi saja dari suatu variable yang multidimensi. Skala ini dapat pula dibentuk checklist atau pilihan ganda. Jawaban responden dapat berupa skor tertinggi bernilai (1) dan skor terendah (0). Misalnya untuk jawaban â€œyaâ€ bernilai (1) sedangkan untuk jawaban â€œtidakâ€ bernilai (0). Berdasarkan analisis yang telah dilakukan pada penelitian ini maka dapat diambil kesimpulan bahwa Praktik pembiayaan PLS pada industri perbankan syariah di Aceh telah mematuhi fatwa DSN-MUI.

What Determines Muslim-Friendly Tourism in Aceh? Musa, Armiadi; Halim, Hendra; Khalidin, Bismi; Ibrahim, Azharsyah
IQTISHADIA Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.9438

Aceh is the only province in Indonesia legally allowed to implement sharia law across all sectors, including the tourism industry. This study aims to analyze factors influencing Muslim-Friendly Tourism (MFT) in Aceh. Specifically, it examines the direct and indirect relationship between MFT with travel intention, destination image, and tourist attitude. Data is gathered through a questionnaire survey among 150 respondents that were selected using the convenience sampling method. To explain the touristâ€™s travel intentions, this study develops and tests a multiple regression analysis using the extended hierarchical linear modeling. Seven hypotheses were proposed regarding the relationships between MFT, tourist attitude, destination image, and travel intention constructs. The empirical results from the structural model suggest that MFT, destination image, and tourist attitude significantly influence travel intention; destination image and tourist attitude are the perfect mediators in influencing the MFT on travel intention to Aceh. These results have the implication in improving the promotions of tourism destinations in Aceh and developing more effective halal tourism positioning strategies for Aceh in particular and Indonesia in general.

What Determines Muslim-Friendly Tourism in Aceh? Musa, Armiadi; Halim, Hendra; Khalidin, Bismi; Ibrahim, Azharsyah
IQTISHADIA Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.9438

Aceh is the only province in Indonesia legally allowed to implement sharia law across all sectors, including the tourism industry. This study aims to analyze factors influencing Muslim-Friendly Tourism (MFT) in Aceh. Specifically, it examines the direct and indirect relationship between MFT with travel intention, destination image, and tourist attitude. Data is gathered through a questionnaire survey among 150 respondents that were selected using the convenience sampling method. To explain the touristâ€™s travel intentions, this study develops and tests a multiple regression analysis using the extended hierarchical linear modeling. Seven hypotheses were proposed regarding the relationships between MFT, tourist attitude, destination image, and travel intention constructs. The empirical results from the structural model suggest that MFT, destination image, and tourist attitude significantly influence travel intention; destination image and tourist attitude are the perfect mediators in influencing the MFT on travel intention to Aceh. These results have the implication in improving the promotions of tourism destinations in Aceh and developing more effective halal tourism positioning strategies for Aceh in particular and Indonesia in general.

What Determines Muslim-Friendly Tourism in Aceh? Armiadi Musa; Hendra Halim; Bismi Khalidin; Azharsyah Ibrahim
IQTISHADIA Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.9438

Aceh is the only province in Indonesia legally allowed to implement sharia law across all sectors, including the tourism industry. This study aims to analyze factors influencing Muslim-Friendly Tourism (MFT) in Aceh. Specifically, it examines the direct and indirect relationship between MFT with travel intention, destination image, and tourist attitude. Data is gathered through a questionnaire survey among 150 respondents that were selected using the convenience sampling method. To explain the tourist’s travel intentions, this study develops and tests a multiple regression analysis using the extended hierarchical linear modeling. Seven hypotheses were proposed regarding the relationships between MFT, tourist attitude, destination image, and travel intention constructs. The empirical results from the structural model suggest that MFT, destination image, and tourist attitude significantly influence travel intention; destination image and tourist attitude are the perfect mediators in influencing the MFT on travel intention to Aceh. These results have the implication in improving the promotions of tourism destinations in Aceh and developing more effective halal tourism positioning strategies for Aceh in particular and Indonesia in general.

THE EFFECT OF SBI LEVELS ON PRICE STABILITY SHARIA SHARES IN SHARIA CAPITAL MARKET ACCORDING TO THE PERSPECTIVE OF SYIRKAH Fanda Fadilla; Bismi Khalidin
Dusturiyah: Jurnal Hukum Islam, Perundang-undangan dan Pranata Sosial Vol 11, No 2 (2021): JURNAL DUSTURIAH
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/dusturiyah.v11i2.8431

Interest rates certainly greatly affect investors to invest, high interest rates will cause increased production costs and decreased market purchasing power. High interest rates can also encourage investors to sell their assets with the expected profit, but if the interest rate increases, there is a tendency for investors not to invest in the capital market because they are afraid of high risks and profits that are not as expected. This has a negative impact on stock prices in the capital market because the expected rate of return on shares is smaller than the gain from interest rates, resulting in a decrease in demand for share prices and share prices will decline along with the increase in interest rates. This condition can make investors less interested in investing. According to the perspective of the syirkah inan contract, the profit sharing is divided according to the amount of capital participation of each party. In stock investment, stock prices often change, so there is a concern that there is uncertainty about the stock price and the level of profit that will be obtained by investors. To obtain these answers, in this study the authors used a descriptive analysis method, with a qualitative approach. From the results of this study it was found that in stock investment there is a potential for uncertainty in stock prices which often changes, and can harm investors due to falling stock prices due to rising interest rates. In this case, when the share price rises due to an increase in interest rates, investors are forced to hold their shares from being sold to prevent losses that will be experienced by investors.

What Determines Muslim-Friendly Tourism in Aceh? Armiadi Musa; Hendra Halim; Bismi Khalidin; Azharsyah Ibrahim
IQTISHADIA Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.9438

Aceh is the only province in Indonesia legally allowed to implement sharia law across all sectors, including the tourism industry. This study aims to analyze factors influencing Muslim-Friendly Tourism (MFT) in Aceh. Specifically, it examines the direct and indirect relationship between MFT with travel intention, destination image, and tourist attitude. Data is gathered through a questionnaire survey among 150 respondents that were selected using the convenience sampling method. To explain the tourist’s travel intentions, this study develops and tests a multiple regression analysis using the extended hierarchical linear modeling. Seven hypotheses were proposed regarding the relationships between MFT, tourist attitude, destination image, and travel intention constructs. The empirical results from the structural model suggest that MFT, destination image, and tourist attitude significantly influence travel intention; destination image and tourist attitude are the perfect mediators in influencing the MFT on travel intention to Aceh. These results have the implication in improving the promotions of tourism destinations in Aceh and developing more effective halal tourism positioning strategies for Aceh in particular and Indonesia in general.

Pengaruh Suku Bunga Terhadap Kinerja Perbankan Syariah di Provinsi Aceh Bismi Khalidin Khalidin
Media Syari'ah Vol 19, No 1 (2017)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v19i1.2015

It is widely known that interest rate is the core variable in a banking industry. Moreover, the performance of conventional banks are absolutely determined by the rate. However, the rate is prohibited to be utilized in an Islamic banking system. This paper aims at exploring the influence of interest rate towards the performance of Islamic banks in Aceh Province. In the other word, the paper is to know whether the rate influences Islamic banks or not. By Using two statistical softwares, E-Views 7 and SPSS-19, this research finds that the interest rate does not influence the performance of the Islamic banks.The performance of the banks under the research limites only deposits and financing of the banks. Either Granger Causality Test or Pearson Correlation indicates that there are no correlation between the variables in the model. However, the research does not have enough data, therefore the same research with more completed data is recommended.

Perspektif Hukum Islam terhadap Perlindungan Khusus bagi Pelapor dan Saksi Tindak Pidana Pencucian Uang Faisal Fauzan; Bismi Khalidin; Ira Maghfirah
Media Syari'ah Vol 22, No 2 (2020)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v22i2.8017

AbstractThis study aims to determine how the perspective of Islamic law on special protection for whistleblowers and witnesses is regulated in existing law in Indonesia, especially in Government Regulation No.57 of 2003 concerning Special Protection Procedures for Reporters and Witnesses to the Crime of Money Laundering. As normative juridical law research and is analyzed using descriptive-analytical methods, namely by analyzing the data under study by describing these data, then the conclusion is drawn. Special protection is a form of protection provided by the state to guarantee a sense of security for Reporting Parties or Witnesses from possible threats that endanger themselves, their lives, and/or their assets including their families. Criminal provisions in positive law, namely those regulated in Legislation Number 31 of 1999, for perpetrators who threaten and intimidate witnesses and whistleblowers can be subject to imprisonment and fines. In Islam, giving testimony is ordered directly in the Koran so that maintaining the safety of witnesses is also very important. The perspective of Islamic law on the form of special protection for whistleblowers and witnesses in criminal acts, in particular, the Crime of Money Laundering in positive law in Indonesia has met the values in the objectives of Islamic law (maqashid al-shari'ah). This is regulated in the Positive Law in Indonesia which regulates sufficiently the rights of a witness and also a whistleblower of a crime.AbstrakPenelitian ini bertujuan untuk mengetahui bagaimana perspektif hukum Islam terhadap perlindungan khusus bagi saksi dan pelapor yang diatur dalam hukum positif di Indonesia, khususnya Peraturan Pemerintah No.57 Tahun 2003 tentang Tatacara Perlindungan Khusus Bagi Pelapor dan Saksi Tindak Pidana Pencucian Uang. Penelitian ini termasuk penelitian hukum yuridis normative dan dianalisis dengan menggunakan metode deskriptif analitik yaitu dengan cara menganalisa data yang diteliti dengan memaparkan data-data tersebut, kemudian diperoleh kesimpulan. Perlindungan khusus adalah suatu bentuk perlindungan yang diberikan oleh negara untuk memberikan jaminan rasa aman terhadap Pelapor atau Saksi dari kemungkinan ancaman yang membahayakan diri, jiwa dan/atau hartanya termasuk keluarganya. Ketentuan pidana secara eksplisit diatur dalam Undang-Undang No.31 Tahun 1999, bagi pelaku yang melakukan ancaman dan intimidasi terhadap saksi dan pelapor dapat dikenakan pidana penjara dan denda. Perspektif hukum Islam terhadap bentuk perlindungan khusus terhadap pelapor dan saksi dalam tindak pidana, khususnya Tindak Pidana Pencucian Uang dalam hukum positif di Indonesia telah memenuhi nilai-nilai dalam tujuan syariat Islam (maqashid al-syari’ah). Hal ini secara terang diatur dalam Hukum Positif di Indonesia yang mengatur secara cukup hak daripada seorang saksi dan juga pelapor tindak pidana.

PROSPEK PENGEMBANGAN PERBANKAN SYARIAH NASIONAL PASCA UNDANG UNDANG PERBANKAN SYARIAH (ANALISIS DENGAN PENDEKATAN MODEL STATISTIKA CHOW TEST) Bismi Khalidin
Share: Jurnal Ekonomi dan Keuangan Islam Vol 1, No 1 (2012)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

This article aims to determine the influence of Undang-Undang Perbankan Syariah (UUPS) on the growth of the Islamic banking industry in Indonesia. The data was analyzed using econometric software, SHAZAM version 10.1. This study employs Ordinary Least Square (OLS), and Chow Test was utilized as a statistical instrument. The findings show that UUPS did not have a significant influence on the growth of Islamic banking in Indonesia. This was indicated by the fact that third party fund (DPK), the number of depositors, and the amount of financing were not growing significantly. In addition, the application of Profit-Loss Sharing (PLS), as the core principle in Islamic banking operation, also did not show any significant change. This was supported by the fact that murabahah product was still dominant within the financing portfolio of Islamic banking in Indonesia. ========================================================================================================Penelitian ini bertujuan untuk mengetahui sejauhmana pengaruh Undang-Undang Perbankan Syariah (UUPS) terhadap pertumbuhan industri perbankan syariah nasional. Metode analisis yang dipakai adalah Ordinary Least Square (OLS), dengan instrumen statistik Chow Test. Pengolahan data menggunakan program ekonometrika SHAZAM Versi 10.1. Hasil penelitian menunjukkan bahwa UUPS tidak mempunyai pengaruh yang signifikan terhadap pertumbuhan industri perbankan syariah secara umum. Dana Pihak Ketiga, Jumlah Nasabah dan Pembiayaan tidak mengalami perubahan sama sekali. Disamping itu, penerapan sistem bagi hasil Profit-Loss Sharing (PLS) yang merupakan prinsip utama operasional perbankan syariah, juga tidak mengalami perubahan yang signifikan. Ini ditunjukkan dengan pembiayaan produk murabahah masih mendominasi portofolio pembiayaan industri perbankan syariah nasional.

PERTANGGUNGAN RISIKO PINJAMAN ONLINE SYARIAH PADA LENDER DI PT INVESTREE RADHIKA JAYA DALAM PERSPEKTIF AKAD WAKALAH BI AL-UJRAH Aulannisa Syuda; Bismi Khalidin; Nahara Erianti
Al-Iqtishadiah: Jurnal Hukum Ekonomi Syariah Vol 2 No 1 (2021): Jurnal Al-iqtishadiah
Publisher : Program Studi Hukum Ekonomi Syariah Fakultas Syariah dan Hukum UIN Ar-Raniry

Investree merupakan salah satu platform yang menyediakan layanan pinjaman online, tidak hanya semua masyarakat bisa meminjam, mereka juga dapat memberikan pinjaman dengan keuntungan imbal hasil di platform ini. Pada penelitian ini, penulis tertarik untuk mengkaji bagaimana pertanggungan risiko pada pinjaman online syariah di PT. Investree Radhika Jaya dalam perspektif akad wakalah bi al-ujrah. Kajian ini bertujuan untuk mengetahui bagaimana mekanisme pertanggungan risiko pinjaman online syariah pada lender di PTInvestree Radhika Jaya, dan bagaimana perspektif akad wakalah bi al-ujrah terhadap mekanisme pertanggungan risiko pinjaman online syariah pada lender di PT Investree Radhika Jaya. Jenis metode penelitian yang dilakukan pada karya ilmiah ini menggunakan metode deskriptif analisis dengan pendekatan normatif. Pertanggungan risiko di Investree, risiko tertanggung pada lender selaku muwakil yang mempercayakan Investree sebagai wakilnya. Namun hal tersebut hanya lender yang akan menanggung segala risiko yang terjadi maka penelitian ini akan fokus dalam memahami apakah pertanggungan risiko yang ditetapkan sudah sesuai dengan pertanggungan risiko pada akad wakalah bi al-ujrah.

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