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All Journal Al-Ulum IQTISHADIA Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Salmah Said, Salmah
UIN Alauddin Makassar
Religion Economics, Econometrics & Finance

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SHARIA BANKING PERFORMANCE IN MAKASSAR Said, Salmah
Al-Ulum Vol 15, No 1 (2015): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to analyze the performance of Islamic banking in Makassar. Data collected using questionnaires which was distributed to seven Islamic banks. Supporting data obtained from Bank Indonesia, representatives Makassar and Bank Indonesia’s website. Data then were analyzed using financial ratios, particularly Non Performing Financing (NPF) and Financing to Deposit Ratio (FDR). The results showed that NPF was 1.49% and FDR reached 201.67%. The first ratio indicates low financing problems, while the second shows a high ratio financing provided to society. Furthermore, Islamic principles applied in the system, mechanism, and products offered by the Islamic banking is such a value-added for the societies, which is not found in the conventional ones. The high financial performance of Islamic banking outperforms its counterparts shows significant potential to grow rapidly in the future. -----Penelitian ini bertujuan menganalisis kinerja perbankan syariah di Makassar. Teknik pengumpulan data menggunakan kuisioner yang dibagikan kepada tujuh bank syariah. Data pendukung diperoleh dari Bank Indonesia perwakilan Makassar dan website Bank Indonesia. Teknik analisis data menggunakan analisis rasio keuangan, terutama Non Performing Financing (NPF) dan Finanicng to Deposit Ratio (FDR) perbankan syariah secara agregat. Hasil penelitian menunjukkan NPFperbankan syariah di Makassar secara agregat sebesar 1,49% dan FDR sebesar 201,67%. Rasio pertama menunjukkan rendahnya pembiayaan bermasalah, sedangkan rasio kedua menunjukkan tingginya pembiayaan yang diberikan kepada masyarakat. Lebih jauh, penerapan prinsip syariah dalam sistem, mekanisme, dan produk perbankan syariah menjadi nilai tambah bagi masyarakat. Hal ini tidak ditemukan dalam perbankan konvensional. Dengan kinerja keuangan yang kompetitif, maka perbankan syariah memiliki potensi untuk berkembang pesat di masa yang akan datang. 
PENDEKATAN SYARIAH DALAM PEMBERIAN GAJI DAN BONUS PENGARUHNYA TERHADAP MOTIVASI KERJA PEGAWAI Nurfarhana, Syarifah; Said, Salmah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 1, No 1 (2017)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (415.407 KB) | DOI: 10.24252/al-mashrafiyah.v1i1.4694

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh gaji dan bonus terhadap motivasi kerja pegawai ditinjau dari pendekatan syariah pada Dinas Pendidikan Provinsi Sulawesi Selatan.Penelitian ini merupakan penelitian lapangan dengan menyebarkan kusioner kepada 82 orang responden.Metode analisis data penelitian ini adalah regresi linear berganda, yang menguji pengaruh gaji dan bonus terhadap motivasi kerja pegawai.Selain itu, aspek syariah dalam kaitannya dengan sumber daya manusia juga dipertimbangkan dalam analisis deskriptifnya.Hasil penelitian menunjukkan bahwa pembagian gaji dan bonus yang sesuai dengan prinsip syariah secara signifikan (baik secara parsial maupun secara simultan) memengaruhi motivasi kerja pegawai, pada Dinas Pendidikan Provinsi Sulawesi Selatan. Implikasi penelitian ini adalah  pegawai semakin termotivasi dalam peningkatan kinerjanya ketika pembagian gaji dan pemberian bonus dilakukan sesuai dengan prinsip syariahKata Kunci: Gaji, Bonus, Motivasi Kerja, Prinsip Syariah
Efektifitas Modal Kerja dan Likuiditas Serta Dampaknya Terhadap Kebijakan Dividen Perusahaan Berbasis Syariah Rijal, Akhmad; Said, Salmah
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 2, No 2 (2018)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (569.852 KB) | DOI: 10.24252/al-mashrafiyah.v2i1.6054

Abstract

Artikel ini membahas tentang kinerja keuangan perusahaan yaitu pengaruh modal kerja yang diukur dengan Net Working Capital (NWC) terhadap kebijakan dividen yang diukur dengan Dividend Payout Ratio (DPR), pengaruh modal kerja terhadap likuiditas yang diukur dengan Current Ratio (CR), pengaruh likuiditas terhadap kebijakan dividen dan pengaruh modal kerja terhadap kebijakan dividen melalui likuidias. Objek dalam artikel ini pada perusahaan yang terdaftar secara konsisten dalam Jakarta Islamic Index (JII), di Bursa Efek Indonesia (BEI). Teknik yang digunakan adalah  analisis jalur untuk menguji pengaruh modal kerja terhadap kebijakan dividen dengan likuiditas sebagai variabel internvening. Hasil yang diperoleh menunjukkan bahwa modal kerja tidak berpengaruh signifikan terhadap kebijakan dividen. Dengan kata lain, peningkatan modal kerja tidak dapat mempengaruhi keputusan kebijakan dividen yang diambil oleh perusahaan. Selain itu, modal kerja tidak berpengaruh negatif signifikan terhadap likuiditas. Dalam artikikel ini juga menemukan bahwa likuiditas tidak berpengaruh signifikan terhadap kebijakan dividen. Selanjutnya, likuiditas tidak mampu memediasi modal kerja terhadap kebijakan dividen, karena modal kerja tidak memengaruhi kebijakan dividen walaupun salah satu faktor berpengaruh terhadap kebijakan dividen adalah likuditas.Kata Kunci: Kinerja Keuangan, Modal Kerja, Likuiditas, Kebijakan Dividen, Jakarta Islamic IndexThis article discusses to analyze the companies’ financial performance i.e. the effect of working capital measured by Net Working Capital (NWC) on dividend policy as proxied by Dividend Payout Ratio (DPR), the influence of working capital on liquidity as measured by Current Ratio (CR), the influence of liquidity on dividend policy and the effect of working capital on dividend policy through liquidity. This study was conducted on companies registered consistently in the Jakarta Islamic Index (JII) in Indonesia Stock Exchange (BEI). This study uses path analysis to examine the effect of working capital on dividend policy with liquidity as an intervening variable. The results of this research showed that working capital had no significant effect on dividend policy. In other words, an increase in working capital cannot affect the dividend policy decisions taken by the company. In addition, working capital did not have a significant negative effect on liquidity. This study also found that liquidity had no significant relevancy on dividend policy so. Furthermore, liquidity was not able to mediate working capital on dividend policy, as working capital did not influence dividend policy though liquidity is one factor influencing dividend policy. Keywords: Financial Performance, Working Capital, Liquidity, Dividend Policy, Jakarta Islamic Index  
Wakaf Tunai dan Pemberdayaan Ekonomi Masyarakat Said, Salmah; Amiruddin, Andi Muhammad Ali
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 3, No 1 (2019)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (561.771 KB) | DOI: 10.24252/al-mashrafiyah.v3i1.7739

Abstract

Waqf is one of muamalah activities that has spiritual, social and economic dimensions. Traditionally, waqf has only been interpreted as giving in the form of immovable property such as land and buildings whose designation is limited to the construction of houses of worship and education (schools). However, in fact movable endowments such as cash waqf (money) has long been practiced by Muslims such as in the Umayyad and Abbasid dynasties, only not as popular as land or building endowments. At present, along with the development of public understanding of the practice of Islamic philanthropy, endowments, especially cash waqf, are directed towards the development and empowerment of the economy, for the sake of fulfilling society economic welfare.Keywords: Cash Waqf, Muamalah Activities, Society Economic Welfare.Wakaf merupakan salah satu kegiatan muamalah yang memiliki dimensi spiritual, sosial, dan ekonomi. Secara tradisional, selama ini wakaf hanya dimaknai sebagai pemberian dalam bentuk barang tidak bergerak seperti tanah dan bangunan yang peruntukannya terbatas pada pembangunan rumah ibadah dan pendidikan. Namun, sebenarnya wakaf barang bergerak seperti wakaf tunai (uang) telah lama dipraktikkan oleh umat Islam seperti di masa dinasti Umayah dan Abbasiyah, hanya tidak sepopuler wakaf tanah ataupun bangunan. Saat ini, seiring perkembangan pemahaman masyarakat tentang praktik filantropi Islam, wakaf terutama wakaf tunai diarahkan bagi pengembangan dan pemberdayaan ekonomi, untuk sebesar-besarnya peningkatan kesejahteraan ekonomi umat.Kata Kunci: Wakaf Tunai, Kegiatan Muamalah, Kesejahteraan Ekonomi Umat
Mashlaha in Financing Risk Measurement in Sharia Financing Institutions Said, Salmah; Sofyan, A. Syathir; Amiruddin, Andi Muhammad Ali
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.4992

Abstract

The crisis of confidence in the credit rating agency forced Islamic financing institutions to apply risk measurement methods independently and renewed the study of credit risk measurement. Moreover, this research also discusses mashlaha (public interest) in measuring financing risk. This research uses a mixed method approach, combining quantitative methods to measure risk by utilizing CreditRisk+, and qualitative methods in analyzing mashlaha in these measurements. This study revealed that CreditRisk+ is able to measure financing risk accurately. This study also found that there is mashlaha as part of maqashid al-sharia in risk measurement, namely 1) Tahdzib al-Fard, that makes a financial institution capable of independently measuring the risk of its own financing; 2) Iqamah al-Adl, independent measurement will create information justice by comparing measurement results both internally and externally. 3) Mashlaha itself, with internal risk measurement, will reduce systemic risk. The implications of this study is the use of mashlaha in analyzing financing risk provides more stringent prudential in the measurement of financing risk.
Mashlaha in Financing Risk Measurement in Sharia Financing Institutions Said, Salmah; Sofyan, A. Syathir; Amiruddin, Andi Muhammad Ali
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.4992

Abstract

The crisis of confidence in the credit rating agency forced Islamic financing institutions to apply risk measurement methods independently and renewed the study of credit risk measurement. Moreover, this research also discusses mashlaha (public interest) in measuring financing risk. This research uses a mixed method approach, combining quantitative methods to measure risk by utilizing CreditRisk+, and qualitative methods in analyzing mashlaha in these measurements. This study revealed that CreditRisk+ is able to measure financing risk accurately. This study also found that there is mashlaha as part of maqashid al-sharia in risk measurement, namely 1) Tahdzib al-Fard, that makes a financial institution capable of independently measuring the risk of its own financing; 2) Iqamah al-Adl, independent measurement will create information justice by comparing measurement results both internally and externally. 3) Mashlaha itself, with internal risk measurement, will reduce systemic risk. The implications of this study is the use of mashlaha in analyzing financing risk provides more stringent prudential in the measurement of financing risk.
Analisi Faktor-Faktor yang Mempengaruhi Keputusan Etnis Tionghoa Menggunakan Jasa Bank Syariah Jasri, Jasri; Said, Salmah; K, Amiruddin
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 1 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i1.2915

Abstract

Chinese ethnic is one of the ethnic groups in Indonesia. The majority of Chinese ethnics are non-Muslim. In the midst of differences in perceptions who looked cynically following Islamic banking, most of the Chinese ethnics who are not Muslim prefer sharia banking to transact. So, this research studies the factors that influence the decision of ethnic of Chinese non-Muslim to use the services of Islamic banks. This type of research used in this research is quantitative field research thas emphasizes the aspect of objective assessment pf social phenomena where the independent variables are Environtment (X1), Psychology (X2), and Promotion (X3) and the dependent variation is the decision of ethnic of Chinese (Y). This study uses SPSS software as a tool in prosessing statistical data. The results show simultaneously three factors which were considered as significant to the decision of the ethnic of Chinese to use the services of Islamic banks. If it is related to environmental factors (X1) and Promotion (X3) influences and significantly influences ethnic of Chinese decisions, while psychology (X2) does not relate to outcome of the ethnic of Chinese agreement using the services of Islamic banks.Keywords: environment; psychology; promotion; customer decisions; ethnic Chinese
Co-Authors Abdullah, Muhammad Wahyuddin Andi Muhammad Ali Amiruddin, Andi Muhammad Ali Jasri, Jasri K, Amiruddin M. Wahyuddin Abdullah, M. Wahyuddin Nur Rahmah Nurfarhana, Syarifah Rijal, Akhmad Sofyan, Syathir