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All Journal Journal of Economics and Policy Studies (JEPS) Istithmar: Jurnal Studi Ekonomi Syariah
Choiril Anam
IAIN Kediri
Economics, Econometrics & Finance

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PRINSIP EKONOMI SYARIAH, IMPLEMENTASI, HAMBATAN DAN SOLUSINYA DALAM REALITAS POLITIK INDONESIA TERKINI Binti Mutafarida; Choiril Anam
Juornal of Economics and Policy Studies Vol 1 No 1 (2020)
Publisher : UIN Sayyid Ali Rahmatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.717 KB) | DOI: 10.21274/jeps.v1i1.3349

Abstract

Ekonomi Syariah merupakan ilmu yang terus berkembang mengikuti perkembangan system perekonomian dan juga perkembangan teknologi modern saat ini. Perkembangan ekonomi tidak terlepas dari hambatan yang dihadapi dalam penerapannya di lapangan. Dalam rangka menyelesaikan hambatan yang ada maka diperlukan berbagai perangkat aturan dan juga regulasi. Perkembangan dan dikeluarkannya regulasi juga dapat dipengaruhi oleh system politik yang berlaku. Penelitian ini mencoba mengkaji tentang bagaimana prinsip ekonomi Syariah dalam menghadapi politik saat ini dengan metode kajian literatur. Hasil penelitian yang diperoleh menunjukkan bahwa prinsip ekonomi Syariah yang didukung dengan regulasi sangat penting sebagai salah satu solusi untuk menghadapi hambatan yang ada di masyarakat.
PENGARUH FDR DAN NPF TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH MANDIRI TAHUN 2009-2019 Dezara Yogi Winata; Choiril Anam
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 4 No. 2 (2020): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v4i2.13

Abstract

This research is conducted with the aim to determine the effect of Financing to Deposit Ratio (FDR) and Non Performing Financing (NPF) on Return On Assets (ROA) at Bank Syariah Mandiri in 2009-2019. This research is a quantitative study with secondary data based on time series data. The data were processed using the IBM SPSS 25 program. The results showed that the FDR variable did not have a significant effect on Return On Assets (ROA). This is evidenced by the results of the tcount of 0.164 and ttable of 1.683 or tcount <ttable which means that H0 is accepted and H1 is rejected. The NPF variable has a negative and significant effect on Return On Assets (ROA). This is evidenced by the results of tcount of -4.841 and ttable of 1.683 or tcount> ttable which means that H0 is rejected and H2 is accepted. FDR and NPF variables have a significant effect on Return On Assets (ROA). This is evidenced by the value of Fcount of 11.745 and Ftable of 3.23 or Fcount> Ftable which means that H0 is rejected and H3 is accepted. Based on the results of the coefficient of determination, it can be seen that the FDR and NPF have an effect of 36.4% on Return On Assets (ROA). While the remaining 63.6% is influenced by other factors outside of the research.
RASIONALITAS KONSUMSI DI MASA PANDEMI PERSPEKTIF ISLAM Choiril Anam; Purnama Sariati
Istithmar: Jurnal Studi Ekonomi Syariah Vol. 5 No. 1 (2021): Istithmar : Jurnal Studi Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/istithmar.v5i1.17

Abstract

Income in a family determines consumption or expenditure in meeting primary, secondary and tertiary needs. Good Muslim consumption is consumption that has the purpose of the world and the hereafter which is aligned with the income received. The Changes of regional conditions in the form of disasters have an impact on the value of income and consumption priorities for families. The imposition of restrictions on economic activities as well as face-to-face activities echoed by the government has the effect of changing the economic order of the community. Families who are affected by the pandemic are experiencing economic and mental impacts. Such conditions require individuals to behave rationally in their economic activities and be adjusted to Islamic religious guidelines. So that it will form the soul / personality of a pious Muslim. This article uses a descriptive qualitative method. Informants come from communities which are affected by COVID 19 who are in the Education area such as kindergarten, elementary, junior high, high school, and college in Rejomulyo Village. The process of collecting data is done by means of interviews, documentation and observation. Data analysis was done by data triangulation. The results of the study illustrate that rationality in economic activities and the application of Islam includes: changing household consumption during the pandemic along with changes in the income of the head of the family. In addition, the family's understanding of the pandemic is based on the belief that Allah SWT gives a test in the direction of increasing piety.
Co-Authors Binti Mutafarida Dezara Yogi Winata Ning Purnama Sariati Purnama Sariati