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Persepsi Masyarakat tentang Haramnya Investasi di Pasar Modal Syariah Noor Laili Hidayah; Ghina Aslicha; Kharis Fadlullah Hana
TAWAZUN : Journal of Sharia Economic Law Vol 3, No 1 (2020): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v3i1.7530

Abstract

Public knowledge must also be comprehensive with the times. People are already familiar with the word "investment".  However, everyone's perception of investing in the Islamic capital market is different.  The negative public perception about the illicit investment in the Islamic capital market should not exist.  Many people think about halal or illicit investment that caused a lot of debate.  Halal perception comes from people who have been well educated and deeply educated.  Unlawful perception arises from the lack of public education about all aspects that exist in the Islamic capital market.  The purpose of this study is to prove that negative perceptions that mention investment is an unlawful activity is wrong and changing that notion into investment is a halal activity.  The results of this study indicate that some people who have negative perceptions come from people who have not been educated about investing in the Islamic capital market.  So, public education about investment in the Islamic capital market on all aspects needs to be improved, not only at the academic level but other aspects so that debate in the community about halal or illicit investment in the Islamic capital market need not be there.
Ada Apa dengan Dewan Pengawas Syariah di Koperasi Simpan Pinjam dan Pembiayaan Syariah? Choirul Absor; Kharis Fadlullah Hana; Fatikha Rizqya Nur
MALIA: Journal of Islamic Banking and Finance Vol 3, No 2 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i2.8413

Abstract

This study aims to determine the role of the Sharia Supervisory Board in supervising Sharia Savings and Loan Cooperatives (KSPPS) so that operations do not come out of sharia provisions. Sharia Supervisory Board includes legal assistants who have the duty to ensure and conduct supervision so that Sharia Financial Institutions are in sharia provisions. Savings and Loan Cooperatives and Sharia Financing are financial institutions that are socially based and in their activities are based on moral principles by considering haram and lawfulness of a business that is run in accordance with Islamic regulations. The method used to conduct this research is qualitative. The data source uses secondary data and primary data by collecting data in the form of interviews and documents. Based on the results of observations on KSPPS Berkah Abadi Gemilang that Supervision conducted by DPS there is still an obstacle that causes less optimal supervision, namely members of sharia supervisors who do not understand muamalah fiqh, mastery of economics and DPS rarely make office visits. In addition, one member of the DPS also does not yet have a certificate of proof of passing the exam from DSN-MUI or other standard certificates, in this case at least the results of the certificate provide a guarantee that the Sharia Supervisory Board has passed the feasibility test to become the Sharia Supervisory Board. KSPPS Berkah Abadi Gemilang in practice also still has errors, the Ba'I Bi'saman Ajil contract which is supposed to be a sale and purchase agreement but made as a financing and error in determining the margin based on the presentation of the money lent.
Ada Apa dengan Dewan Pengawas Syariah di Koperasi Simpan Pinjam dan Pembiayaan Syariah? Choirul Absor; Kharis Fadlullah Hana; Fatikha Rizqya Nur
MALIA: Journal of Islamic Banking and Finance Vol 3, No 2 (2019)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v3i2.8413

Abstract

This study aims to determine the role of the Sharia Supervisory Board in supervising Sharia Savings and Loan Cooperatives (KSPPS) so that operations do not come out of sharia provisions. Sharia Supervisory Board includes legal assistants who have the duty to ensure and conduct supervision so that Sharia Financial Institutions are in sharia provisions. Savings and Loan Cooperatives and Sharia Financing are financial institutions that are socially based and in their activities are based on moral principles by considering haram and lawfulness of a business that is run in accordance with Islamic regulations. The method used to conduct this research is qualitative. The data source uses secondary data and primary data by collecting data in the form of interviews and documents. Based on the results of observations on KSPPS Berkah Abadi Gemilang that Supervision conducted by DPS there is still an obstacle that causes less optimal supervision, namely members of sharia supervisors who do not understand muamalah fiqh, mastery of economics and DPS rarely make office visits. In addition, one member of the DPS also does not yet have a certificate of proof of passing the exam from DSN-MUI or other standard certificates, in this case at least the results of the certificate provide a guarantee that the Sharia Supervisory Board has passed the feasibility test to become the Sharia Supervisory Board. KSPPS Berkah Abadi Gemilang in practice also still has errors, the Ba'I Bi'saman Ajil contract which is supposed to be a sale and purchase agreement but made as a financing and error in determining the margin based on the presentation of the money lent.
PERBANDINGAN KINERJA KEUANGAN PERUSAHAAN FARMASI MILIK BUMN DAN SWASTA PERIODE 2016-2018 Lia Candrayani; Ziana Fitri; Kharis Fadlullah Hana
Jurnal Ilmiah Manajemen "E M O R" Vol 4, No 2 (2020): Desember
Publisher : Universitas Muhammadiyah Luwuk Banggai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32529/jim.v4i2.591

Abstract

The purpose of this study was to determine the comparison of the financial performance of state-owned pharmaceutical companies with private-owned pharmaceutical companies and find out what factors affect differences in company performance based on analysis of profitability, market value rations and EVA. This study using a quantitative approach using a comparative descriptive method that took a sample of 4 pharmaceutical companies listed on the Stock Excahange. The data analysis technique uses a different independent sample T-test by comparing financial data from state-owned and private pharmaceutical companies in the 2016-2018 period. The results of the study show that return on equity (ROE) analysis of state-owned pharmaceutical companies is not safe because there are significant differences in the precentage above 15% and private pharmaceutical above 15%. The earning per share (EPS) analysis results of state-owned companies reached 0,35 and private pharmaceutical companies reached 50,71. As well as economic value added (EVA) analysis produces data there are differences in financial performace where the state-owned pharmaceutical companies have increased and privat pharmaceutical companies have decreased.
PENGARUH KONDISI KEAMANAN DALAM NEGERI TERHADAP HARGA SAHAM PADA PERUSAHAAN LQ45 Maulida Kautsarina; Izza Alfiatur Rohmaniah; Kharis Fadlullah Hana
JURNAL AKUNTANSI FINANCEIAL STIE SULTAN AGUNG Vol 6, No 1 (2020): Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37403/financial.v6i1.137

Abstract

Penelitian ini bertujuan untuk mengetahui perubahan harga saham sebelum dan sesudah peristiwa pengeboman yang terjadi pada tahun 2016-2019 dengan melihat reaksi pasar modal Indonesia terhadap kondisi keamanan dalam negeri pada peristiwa pengeboman tersebut. Populasi pada penelitian ini yaitu seluruh harga saham pada perusahaan yang tergabung dalam indeks LQ45 yang benar-benar aktif diperdagangkan di Bursa Efek Indonesia (BEI) yang terdiri dari 45 sampel. Teknik analisis yang digunakan dalam penelitian ini adalah mengamati, mendeskripsikan dan menganalisis data harga saham perusahaan yang tergabung dalam perusahaan LQ45 pada tahun 2016-2019 di web resmi pasar modal Indonesia http://www.idx.co.id. Hasil penelitian menunjukkan bahwa pasar modal khususnya perusahaan yang tergabung dalam indeks LQ45 merespon negatif peristiwa pengeboman yang terjadi di Indonesia, hal ini dapat dibuktikan dengan melihat grafik harga saham LQ45 selama peristiwa pengeboman. Tetapi, H+1 setelah peristiwa bom Sibolga terjadi perusahaan LQ45 mampu bangkit kembali dengan kenaikan harga saham yang cukup signifika sehingga menyebabkan harga saham perusahaan tersebut kembali stabil.Kata Kunci : Studi Peristiwa, Peristiwa Pengeboman, Pasar Modal, Harga Saham
Analisis Sinkronisasi Budaya Kerja Sumber Daya Manusia Pada Bank Syariah Indonesia Setelah Merger Putri Kurniasari; Ainun Ni'mah; Kharis Fadlullah Hana
Jurnal Ilmu Ekonomi dan Bisnis Islam Vol 4 No 1 (2022)
Publisher : Program Studi Ekonomi Syariah, FEBI UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.03 KB) | DOI: 10.24239/jiebi.v4i1.91.31-41

Abstract

Perbankan syariah sudah ada sejak lama di Indonesia, namun masih memiliki pasar yang relatif kecil dibandingkan perbankan konvensional pada tahun 2020 di pasar perbankan syariah sebesar 6,18%. Sehingga terjadi penggabungan tiga bank syariah di Indonesia yaitu BRIS, BNIS dan Mandiri Syariah. Tujuan dari penelitian ini adalah untuk mengetahui kinerja hasil merger ketiga bank tersebut. Metode penelitian yang digunakan peneliti adalah metode kualitatif yaitu penelitian lapangan, artinya peneliti terjun langsung ke lapangan untuk mencari data-data yang relevan terkait penggabungan tiga bank yang salah satunya adalah Bapak Nor Saiz dan Bapak Suprayoga. sebagai pegawai BSI Kudus. Hasil penelitian ini menunjukkan bahwa kinerja ketiga bank syariah pasca merger cukup baik yang dibuktikan dengan beberapa penghargaan yang telah diperoleh.
Obligasi Daerah yang "Tak Kunjung" Terbit sebagai Salah Satu Faktor Perkembangan Daerah Taymi Triyansyah; Nor Aini; Kharis Fadlullah Hana
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 2 No. 1 (2020): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (575.197 KB) | DOI: 10.24090/mabsya.v2i1.3863

Abstract

English: Law No. 33 of 2004 is a source of legal basis used as a guideline in the process of issuing regional bonds. This study discusses issues related to the issuance of regional bonds in Indonesia, particularly in the provinces of Central Java, West Sumatra, and West Kalimantan. In connection with the issuance of regional bonds, to date there are now regions that issue regional bonds including of Central Java, West Sumatra, and West Kalimantan. The purpose of this study is to find out more about the problems that form the basis of the issue of bonds in the region. Researchers use descriptive analysis method that can indicate the level of income and finance of the provinces of Central Java, West Sumatra, West Kalimantan where the region has met the requirements to issue regional bonds. While the SWOT analysis conducted in the area, each region still has many obstacles in the process of issuing regional bonds, one of which is the problem in human resources (SDM). Keywords: Regional Bonds, Regional Development, SWOT. Indonesia: Undang-undang No. 33 tahun 2004 merupakan sumber dasar hukum yang dijadikan pedoman dalam proses penerbitan obligasi daerah. Penelitian ini membahas permasalahan terkait penerbitan obligasi daerah di Indonesia, khususnya pada provinsi Jawa Tengah, Sumatra Barat, dan Kalimantan Barat. Berkaitan dengan penerbitan obligasi daerah, sampai saat ini belum ada daerah yang menerbitkan obligasi daerah termasuk Jawa Tengah, Sumatra Barat, dan Kalimantan Barat. Tujuan dari penelitian ini yaitu untuk mengetahui lebih lanjut permasalahan yang menjadi dasar tidak terbitnya obligasi didaerah tersebut. Peneliti menggunakan metode analisis diskriptif yang dapat menunjukan tingkat pendapatan dan keuangan provinsi Jawa Tengah, Sumatra Barat, Kalimantan Barat dimana daerah tersebut sudah memenuhi syarat untuk melakukan penerbitan obligasi daerah. Sedangkan analisis SWOT yang dilakukan pada daerah tersebut, masing-masing daerah masih memiliki banyak kendala dalam proses penerbitan obligasi daerah salah satunya yaitu permasalahan pada sumber daya manusianya (SDM). Kata Kunci: Obligasi Daerah, Perkembangan Daerah, SWOT.
Perbandingan Kinerja Keuangan Perusahaan Farmasi Milik BUMN dan Swasta di BEI Periode 2016-2018 Lia Candrayani; Ziana Fitri; Kharis Fadlullah Hana
Mabsya: Jurnal Manajemen Bisnis Syariah Vol. 2 No. 1 (2020): Mabsya: Jurnal Manajemen Bisnis Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (370.169 KB) | DOI: 10.24090/mabsya.v2i1.3877

Abstract

The purpose of this study was to determine the comparison of the financial performance of state-owned pharmaceutical companies with private-owned pharmaceutical companies and find out what factors affect differences in company performance based on analysis of profitability, market value rations and EVA. This study using a quantitative approach using a comparative descriptive method that took a sample of 4 pharmaceutical companies listed on the Stock Excahange. The data analysis technique uses a different independent sample T-test by comparing financial data from state-owned and private pharmaceutical companies in the 2016-2018 period. The results of the study show that return on equity (ROE) analysis of state-owned pharmaceutical companies is not safe because there are significant differences in the precentage above 15% and private pharmaceutical above 15%. The earning per share (EPS) analysis results of state-owned companies reached 0,35 and private pharmaceutical companies reached 50,71. As well as economic value added (EVA) analysis produces data there are differences in financial performace where the state-owned pharmaceutical companies have increased and privat pharmaceutical companies have decreased.
Komparasi Kinerja Keuangan Bank Syariah Indonesia dan Bank Syariah Malaysia Pada Masa Pandemi Covid-19 Yoga Raunaqa; Dea Al Risna Deva; Kharis Fadlullah Hana
Shafin: Sharia Finance and Accounting Journal Vol. 2 No. 2 (2022)
Publisher : IAIN Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/sfj.v2i2.6339

Abstract

Abstract: Financial performance is an important factor for maintaining the health of banks, but the Covid-19 has greatly impacted the economic sector, one of which is banking. The purpose of this study was to find out how the financial performance of Bank Syariah Indonesia and Bank Maybank Berhard Malaysia in 2020-2021 during the covid 19 pandemic. The method used in this study was a quantitative method using descriptive analysis and financial ratio analysis tools, namely the independent paired T-test. The data collection technique is to collect secondary data in the form of an annual report (annual hassle) of financial performance during the COVID-19 pandemic published by the Indonesian Islamic bank or the Financial Services Authority (OJK) and the official website of the Islamic bank Maybank Islamic Berhad Kuala Lumpur. The results showed that there was no significant difference in the financial performance of Indonesian Islamic banks and Malaysian banks with maybanks from the financial ratios of CAR, ROA, ROE, FDR, NPF, and BOPO during the COVID-19 pandemic from 2020-2021. The results of this study provide recommendations that the management of Indonesian Islamic banks and Malaysian banks maybank hard to be able to maintain and further improve their already good financial performance. Keywords: Comparison, Financial Performance, Covid 19 Abstrak: Kinerja keuangan merupakan faktor yang penting untuk mejaga kesehatan bank, tetapi dengan adanya covid-19 ini sangat berdampak pada sektor ekonomi salah satunya perbankan . tujuan penelitian ini adalah untuk mengetahui bagaimana kinerja keuangan Bank Syariah Indonesia dan Bank Maybank Berhard Malaysia tahun 2020-2021 pada masa pandemi covid 19. Metode yang digunakan dalam penelitian yaitu metode kuantitatif dengan menggunakan analisis deskriptif dan alat analisis rasio keuangan yaitu uji independent paired T-test. Teknik perolehan data yaitu mengumpulkan data-data sekunder yang berupa laporan tahunan (annual repot) kinerja keuangan selama pandemi covid-19 yang diterbitkan oleh bank syariah Indonesia atau Otoritas Jasa Keuangan (OJK) dan website resmi bank syariah Maybank Islamic Berhad Kuala lumpur. Hasil penelitian menunjukkan bahwa tidak terdapat perbedaan yang signifikan kinerja keuangan bank syariah Indonesia dan bank maybank berhard Malaysia dari rasio keuangan CAR, ROA, ROE,FDR, NPF, dan BOPO selama masa pandemi covid 19 dari tahun 2020-2021. Hasil penelitian ini memberikan rekomendasi bahwa manajemen bank syariah Indonesia dan bank maybank berhard Malaysia untuk dapat mempertahankan dan lebih meningkatkan kinerja keuangannya yang sudah baik. Kata Kunci: Perbandingan, Kinerja keuangan, Covid 19
Analisis Tingkat Penerimaan Dana Haji di Masa Pandemi Covid-19 Irfan Ashari; Nabila Amalia; Kharis Fadlullah Hana
ISLAMIC BUSINESS and FINANCE Vol 4, No 1 (2023): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v4i1.20685

Abstract

The Pilgrimage is a worship that is a dream for all Muslims in the world, especially for the people of Indonesia where the majority of the population is Muslim.In a normal condition, financing is generally carried out regularly and in accordance with what has been planned, but the coming of a disaster is not the power of a personservant because only Allah can plan and will. The presence of a pandemicCovid-19 has caused changes in life patterns in all sectors. Therefore whether in During the Covid-19 pandemic, patterns and practices changed at the level Hajj funding. This type of research is field researchusing a qualitative phenomenological approach. The phenomena studied are:level of receipt of Hajj funds during the Covid-19 pandemic. Data collection techniques used in the form of interview techniques and collect data with techniques documentation. The results of the study show that prospective pilgrims during the Covid-19 pandemic19 experienced a significant decrease for several reasons, one of which was people choose umroh, because umroh does not take long. Hajj departure from Indonesia experienced reductions and delays during the covid-19 pandemic, hence from that some people prefer umroh to hajj because it is faster for timehis departure.