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All Journal I-Finance Journal ILTIZAM Journal of Sharia Economic Research Jurnal PAI Raden Fatah Bidayatuna: Jurnal Pendidikan Guru Mandrasah Ibtidaiyah Equity: Jurnal Ekonomi Jurnal Aghniya Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Indonesian Journal of Behavioral Studies JEBI (Jurnal Ekonomi dan Bisnis Islam) Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Semesta Ilmu Manajemen dan Ekonomi Karya : Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi

Muhammad Iqbal

Universitas Islam Negeri Raden Fatah Palembang

Author-ID : 5384729

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Pengaruh Suku Bunga Terhadap Bagi Hasil Deposito Mudharabah Dengan Mediasi Return On Asset (ROA) Muhammad Arief; Rika Lidyah; M Iqbal
I-Finance Journal Vol 7 No 1 (2021): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v7i1.8406

This study aims to determine the effect of the Interest Rate on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation at Sharia Banks in Indonesia in 2014-2018. This research uses quantitative methods. The type of data in this study is secondary data. Data collection techniques using documentation techniques. The sample selection tested in this study uses a purposive sampling method. The sample used is the quarterly financial statements in 2014-2018 at 3 Islamic commercial banks in Indonesia. In this study data analysis techniques using the SPSS 21 application. The results of this study indicate that interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits and interest rates also have a negative and significant effect on return on assets (ROA). Return On Assets (ROA) has a negative and significant effect on the profit-sharing of Mudharabah deposits. While interest rates have a positive and significant effect on the profit-sharing of Mudharabah deposits with Return On Asset (ROA) as mediation

PENGARUH PEMANFAATAN TEKNOLOGI INFORMASI DAN KESESUAIAN TUGAS TERHADAP KINERJA INDIVIDUAL KARYAWAN (STUDI KASUS BRI SYARIAH KC PALEMBANG) M Iqbal; Rinol Sumantri; Puspa Aulia Apri Yanti; Faisal Muttaqin
JURNAL AGHNIYA Vol 3, No 2 (2020)
Publisher : STIESNU Bengkulu

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

Penelitian ini bertujuan untuk menguji pengaruh pemanfaatan teknologi informasi dan kesesuaian tugas terhadap kinerja individual karyawan. Populasi dalam penelitian ini adalah karyawan Bank BRI Syariah Kantor Cabang Palembang dengan menggunakan teknik sampling jenuh. Metode dari penelitian ini menggunakan metode penelitian kuantitatif dengan menggunakan data primer. kuantitatifadengan menggunakan moder regresi liner berganda, pengelolaan data kuesioner yang digunakan dengan bantuan program SPSS Versi 22.Hasil uji persial (Uji T) menunjukan bahwa pemanfaatan teknologi infromasi (X1) 0,003 < 0,05, nilai t hitung 3,173 > t tabel 2,02809 artinya pemanfaatan teknologi informasi berpengaruh positif dan signifikan terhadap kinerja individual (Y), nilai signifikan kesesuaian tugas (X2) 0,009 < 0,055, nilai t hitung 2,761 > t tabel 2,02809 artinya berpengaruh secara positif dan signifikan terhadap kinerja individual (Y). Kata kunci : Pemanfaatan Teknologi Informasi, Kesesuaian Tugas, Kinerja Individual

Hak-Hak Mitra Pembiayaan Murabahah di Bank Syariah Muhammad Iqbal
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 5 No 1 (2019): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 201
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

The purpose of this research is to learn how to carry out murabaha financing in Islamic banks and what are the rights and obligations of murabaha financing partners. Murabaha as a form of buying and selling mandate asks sellers and buyers to get to know each other and accept each other's bright buying objects, the agreed price, the desired margin, and the method of payment. Related to the price requested is the cost of goods and the cost of procurement in accordance with the price requested by the bank as the seller. While an explanation of the rights of murabaha financing partners is important it will not happen in the future. Bank Officers are required to be able to refute the theories of sharia contracts contained in the muamalah fiqh to avoid oversight in practice in Islamic banks. Because in reality, the average employee of a sharia bank has no Islamic economic background.

Pengaruh Employee Engagement, Job Design, dan Organizational Culture terhadap Kinerja Karyawan Bank Syariah Indonesia KC Palembang Demang Dila Khairunnisa; Ulil Amri; Muhammad Iqbal
Indonesian Journal of Behavioral Studies Vol 1 No 4 (2021): Indonesian Journal of Behavioral Studies
Publisher : Fakultas Psikologi, Universitas Islam Negeri Raden Fatah Palembang

This study aims to determine whether there is a relationship between employee engagement, job design, and organizational culture on the performance of employees of Bank Syariah Indonesia KC Palembang Demang. This study uses quantitative methods. The population is 60 employeesby using non-probability sampling, meaning that all employees have the same opportunity to be selected as samples. Based on the results of the study, it was concluded that 1) Employee engagement positive and significant effect on employee performance, as evidenced by the results of the t-test of 3.383, which is greater than t-table of 2.003 with a significance of 0.001 and a regression coefficient of 0.459. This shows that the higher the employee engagement, the higher the resulting performance. 2) Job design positive and significant effect on employee performance, as evidenced by the results of the t-test 2.114 which is greater than t-table 2.004 with a significance of 0.038 and a regression coefficient of 0.379. This shows that the higher the employee's job design value, the higher the resulting performance. 3) Organizational culture positive and significant effect on employee performance, as evidenced by tcount 2.463 which is greater than ttable 2.003 with a significance of 0.016 and a regression coefficient of 0.563. This shows that the better the organizational culture in an organization, the better the resulting performance.

IMPLEMENTATION OF DSN-MUI FATWA ON SHARIA INSURANCE PRODUCTS AT PT. ASURANSI TAKAFUL PALEMBANG BRANCH Ulil Amri; Anggita Dwi Hanum; M Iqbal
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Insurance problems do not only stop at transactions, but also at investments. Most of the insurance purchased by the public is actually insurance that contains maysir, gharar, and usury. This means that the money received from the investment received by the customer is also not maintained as halal. It is different from investing in Sharia insurance because there is a Sharia Supervisory Board which ensures that all insurance mechanisms and investment allocations do not conflict with Sharia law. Sharia Insurance Companies are entrusted by the participants to manage premiums, develop in a lawful way, provide compensation to those who experience disasters according to the contents of the agreed agreement deed, based on the characteristics of takafuli, tabarru and mudharabah.This study aims to analyze how the implementation of the DSN-MUI fatwa regarding general guidelines for sharia insurance at PT Asuransu Takaful.This study uses a Qualitative Approach that is related to phenomena that refer to the actions of economic actors, namely humans who act around economic phenomena as well as in consumption, production and distribution with all kinds of transaction derivatives and their interactions. The research results show thattabarru funds that has been collected is managed by the company on the basis of wakalah through insurance invested in various sharia investment instruments so that the funds are more productive. The results of the tabarru' investment are actually purely the rights of the participants, while the insurance company can obtain profit sharing from the investment through a tijarah contract. Companies can also benefit from wakalah bil ujrah contracts. This is in accordance with the DSN MUI fatwa No.DSN-MUI No.21/DSN-MUI/X of 2001 concerning General Guidelines for Sharia Insurance

ACCELERATION OF FINANCIAL TECHNOLOGY GROWTH IN ISLAMIC BANKS AS AN EXISTENCE EFFORT TO FACE THE PANDEMIC OF COVID-19 M IQBAL; RINOL SUMANTRI; RATIH KHOIRUNNISA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 7, No 2 (2022): Juli - Desember 2022
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Financial Technology or what is familiarly called fintech is a platform that combines technology and finance into a technology-based financial business that makes it easier for customers so that there is no need for face-to-face transactions. Financial technology is currently trending in Indonesia, especially after the peak of the COVID-19 pandemic that occurred throughout 2020-2021, not only in banking but has begun to spread stand-alone financial technology in terms of payments and peer to peer landing. All technology-based financial institutions compete with each other, Islamic banking institutions in Indonesia, marked by the merger of three Islamic banks into one big force, namely Bank Syariah Indonesia which has optimized digital-based products to maximize the profitability of their companies. The purpose of this study is to find out the tips of Islamic Banking, especially Indonesian Islamic Banks in maximizing the profitability of their companies with fintech.

Model Sinergistas Lembaga Pegadaian Syariah dan Perguruan Tinggi Dalam Membentuk SDM Unggul Berbasis Syariah Muhamad Iqbal; Muhamad Rahman Bayumi; Faisal Muttaqin; Muhamad Junestrada Diem
ILTIZAM Journal of Shariah Economics Research Vol. 6 No. 2 (2022): Iltizam Journal of Shariah Economics Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

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Sharia Pawnshop has transformed into one of the strengths of Islamic financial institutions whose existence is quite taken into account. The characteristics of sharia pawns that are solutive for the lower middle class are a strong factor in its progress from year to year. In line with that, the existence of Islamic economics and finance-based study programs in all PTKIN and even most PTN, brings new hope of producing superior sharia-based human resources. A hope that is just waiting for the momentum to make Indonesia a country of Islamic Economic Civilization in the world. Various efforts have been made to produce excellent students who will compete in the world of work, especially in Islamic financial institutions. However, the problem is that there is no relevance between the world of work and the basic knowledge of Islamic economics and finance that is owned, which is an irony and injures the spirit of printing sharia-based superior human resources. Many alumni work in conventional financial institutions, on the other hand, Islamic financial institutions lack sharia-based human resources. This study aims to describe the concept of human resource development in universities that are integrated with Islamic financial institutions, especially Sharia Pawnshop. There are three concrete steps that can be implemented through the integration-interconnection approach, namely the development of thematic courses, strengthening the role of laboratories, and optimizing field work practices for students. By providing an overview and analysis of the strengthening, it is hoped that it can contribute to the formation of superior sharia-based human resources.

Analisis Pemberdayaan Ekonomi Masyarakat Berbasis Masjid di Desa Sapa Empat Lawang Oki Sapitri Menghayati Oki; M Iqbal
Equity: Jurnal Ekonomi Vol 10 No 2 (2022): Equity: Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v10i2.122

Abstrack: Secara holistik fungsi dari masjid adalah tempat ibadah maupun pusat media pembinaan umat yang sangat strategis dalam masyarakat Islam. Tulisan ini membahas pemberdayaan ekonomi masyarakat berbasis masjid yang dilakukan di Masjid Jami’ Desa Sapa Panjang kecamatan Muara Pinang. Metode penelitian yang digunakan yaitu metode deskriptif kualitatif melalui survei, dokumentasi dan wawancara. Hasil dari penelitian ini menyatakan bahwa perberdayaan ekonomi masyarakat di Masjid Jami’ sudah dapat dirasakan masyarakat melalui Kegiatan pemberdayaan masyarakat berbasis masjid yang dilakukan di Masjid Jami’ diantaranya: pemberdayaan spiritual keagaamaan, pemberdayaan pendidikan, pemberdayaan ekonomi dan sosial kemasyarakatan. Menggunakan manajemen masjid yang dilakukan oleh ibu-ibu pembinaan kesejahteraan keluarga (PKK) desa sapa panjang dan pengurus masjid. Penelitian ini merekomendasikan bahwasannya sangat penting sumber daya manusia (SDM) profesionalisme dalam pengelolaan masjid, terciptanya komunikasi yang baik antara jamaah dengan stakeholder, agar terciptanya pemberdayaan ekonomi masyarakat berbasis masjid yang efektif.

Rewards dan Punishments; Indera Pendidikan Integrasi dalam Eksekusi Edukasi Kedisiplinan Yani Pratiwi; Iqbal Mustakim; Maulidyah Safruddin; Maemonah
Bidayatuna Vol 6 No 1 (2023): April
Publisher : Lembaga Penelitian, Penerbitan dan Pengabdian Masyarakat - Islamic Institute of Syarifuddin Lumajang, Indonesia.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/bidayatuna.v6i1.2319

A technique used in the teaching and learning process, the application of reward and punishment to pupils in a preventive or repressive manner, and has a significant impact on their behavior and discipline. This study tries to describe how rewards and penalties are used to shape student discipline. A case study-style qualitative research methodology was adopted. In this study, interviews, observation, and documentation were the primary data collection methods. To determine data validity, source triangulation and technical triangulation are used. According to this study, applying rewards will lead to pupils having a disciplined attitude by communicating rewards in the form of prizes and expressing gratitude in the form of gifts. As opposed to using a piecemeal warning system, impulsive warnings, and written warning letters when applying punishment to shape a student's disciplinary attitude. Using process assessments, or evaluations that are applied when the teaching and learning process takes place, such as by observing students' behavior each day while they are in the madrasah environment, is one way to measure the use of rewards and punishments when forming students' discipline attitudes.

MEASURING THE RELEVANCE OF UMAR BIN KHATTAB'S FISCAL POLICY CONCEPT IN INDONESIA Muhammad Iqbal; Rafika Aulia; Juwita Anggraini; Abubakar Sidik
I-Finance Journal Vol 9 No 1 (2023): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v9i1.16987

This study aims to analyze Umar bin Khattab's economic thinking about fiscal policy and determine the extent of its relevance in Indonesia. This type of research is library research using qualitative analysis methods and using a combination of library research techniques and views from informants who share Umar bin Khattab's thoughts on fiscal policy and its relevance in Indonesia. This study uses primary data sources and secondary data. It can be concluded that Umar bin Khattab in setting his policies considered maqashid sharia with the aim of benefiting the Muslim community and the progress of the country he led. State revenues consist of zakat as the largest state income, kharaj, ghanimah (1/5 of the spoils of war), usyr, jizyah, and fa'i. The funds obtained are well managed by Baitul Maal as the State finance/treasury management body. Baitul Maal is also equipped with several departments so that state finances can be managed in a structured and systematic manner. According to Umar bin Khattab, the relevance of fiscal policy to fiscal policy in Indonesia is Baitul Maal and the Ministry of Finance, as well as usyr and import duties. While the irrelevant concepts are Zakat as a fiscal policy, ghanimah and Rupbasan, kharaj and Land and Building Tax, jizyah, and fa'i.

Co-Authors Abubakar Sidik Achmad Fadil Anggita Dwi Hanum Arif Rahmadan Dila Khairunnisa Faisal Muttaqin Faisal Muttaqin Fujiarti Hepi Agustini Husna Lutfiah Juwita Anggraini Maemonah MAFTUKHATUSOLIKHAH MAFTUKHATUSOLIKHAH Maulidyah Safruddin Muhamad Rahman Bayumi Muhammad Arief Muhammad Junestrada Diem Niken Natasyah Oki Sapitri Menghayati Oki Puspa Aulia Apri Yanti Qodariah Barkah Rafika Aulia RATIH KHOIRUNNISA Rifqi Pratama Pratama Rika Lidyah Rinol Sumantri Safitri Asrol Ulil Amri Via Hanisa Wahyu Wulandari Yani Pratiwi

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