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All Journal An-Nisbah: Jurnal Ekonomi Syariah Asy-Syir'ah: Jurnal Ilmu Syari'ah dan Hukum Jurnal Ilmiah Ekonomi Islam IJBE (Integrated Journal of Business and Economics) al-Uqud : Journal of Islamic Economics Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Sosio e-kons International Journal of Supply Chain Management JURIS (Jurnal Ilmiah Syariah) Istinbath: Jurnal Hukum dan Ekonomi Islam Jurnal Samudra Ekonomi dan Bisnis FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Ilmiah Edunomika (JIE) El-Wasathiya: Jurnal Studi Agama Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Ilmiah Wahana Pendidikan JENTRE Devotion: Journal of Research and Community Service Edukasi: Journal of Educational Research An Nawawi JENTRE: Journal of Education, Administration, Training and Religion Journal of Applied Islamic Economics and Finance IIJSE An-Nisbah: Jurnal Ekonomi Syariah Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Asyari Hasan, Asyari
Institut Agama Islam Negeri (IAIN) Batusangkar
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Transportation Other

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Journal : IIJSE

 1 
Analysis of the Mutanaqisah Musyarakah Contract as a Solution for Home Ownership Financing in Islamic Banking Nurhayati, Yuli; Hasan, Asyari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 1 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i1.1770

Abstract

The need for residential houses is currently increasing. Islamic financial institutions, especially Islamic banking, offer a variety of products and services to face the needs of the community. Murabahah contracts are still a prima donna product in Indonesia, but murabahah has many weaknesses in its implementation. The presence of musyarakah mutanaqisah can be the best solution for property ownership for the community. The research method used is a qualitative approach with descriptive analysis and literature. This study aims to analyze the implementation and advantages of musyarakah mutanaqisah contracts in financing home ownership in Islamic banking. The results of the analysis show that the implementation of MMQ can be a solution for the community in fulfilling their prerequisites, but there are many things in musyarakah mutanaqisah that must be understood so that this product can run well in Indonesia. The benefits of musyarakah mutanaqisah contracts for customers are financing with relatively longer terms and additional spare parts that are more affordable.
Financial Performance of Islamic Commercial Banks Before and During the Covid-19 Pandemic in Indonesia Wastuti, Wahyu; Hasan, Asyari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v5i2.2135

Abstract

The covid-19 pandemic has dropped the economy of the world. Islamic banks as part of the economy are also affected by this pandemic. The study aims to provide an overview of the performance of Islamic Commercial Banks (BUS) in Indonesia before and during the Covid-19 pandemic. The measurement of financial performance will use several financial ratios, namely ROA, CAR, NPF, FDR, BOPO, and NOM. The research sample is all BUS in Indonesia. The years 2018 and 2019 will be used as the period before the Covid-19 pandemic, while 2020 and 2021 will be used as the period during the Covid-19 pandemic. It uses a quantitative method with measurement tools: independent sample t-test and multiple linear regression. The results of the independent sample t-test are the CAR, FDR, and BOPO variables have differences in the period before the pandemic and during the pandemic. While the ROA, NPF, and NOM variables have no difference in the period before and during the pandemic. From the partial multiple linear regression test (t-test), financial ratios in the form of BOPO and NOM influence ROA. While the variables CAR, FDR, and NPF do not affect ROA. On the other hand, simultaneously the variables CAR, NPF, FDR, BOPO, and NOM affect ROA. The research results from this article can be used as a source of information by stakeholders in making policies for a better BUS future.
Analysis of Personnel Management Strategy in Improving Human Resources Performance in Sharia Banking Fitri, Zakiyyah Nur; hasan, Asyari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2252

Abstract

Banking is one of the institutions engaged in finance that plays a role in efforts to advance the country’s economy. As an institution whose role is to advance the country’s economy, the performance of employees at the institution is highly valued. In this assessment, there is a strategy that has been determined by the personnel management to improve the performance of these human resources. The study aims to determine how the personnel management strategy in an effort to improve employee performance at Bank Muamalat Bengkulu Branch office. This research is field research, with a qualitative research approach. It uses a purposive sampling technique, namely the technique of sampling data sources based on certain considerations. The researchers made employees at Bank Muamalat Bengkulu Branch Office as subjects/informants a total of 5 people. Based on the results of the study, it can be concluded that the personnel management strategy in an effort to improve the performance of human resources at Bank Muamalat Bengkulu Branch Office is carried out independently, in class, and periodically trained.
The Time Value of Money and the Economic Value of Time (A Comparative Study) Rabbani, Mohammad Fathi; Hasan, Asyari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.2732

Abstract

“A dollar today is worth more than a dollar tomorrow because a dollar today can be invested to get a return”. This sentence has made the function of money which was originally a medium of any transactions turned into commodities for getting any returns. By TVM, productivity and efficiency in investment and business can be measured. However, TVM on the Islamic viewpoint is closely related to interest. The objection of this study is to analyze critically the concept of the time value of money and its relation to interest, as well as the solution that has been offered. This paper is qualitative research with a literature approach based on primary data. The deductive method is used for collecting any data related to the topic of research, while the inductive method is used to describe the findings from primary data. The results of this study indicate that there are several rationalities for implementing TVM in the financial system including time preference, interest, risk bearing, uncertainty, and inflation that arise in society. The implication is, that any rationality that arises from the implementation of TVM must be followed by economic activities that occur in society. In this case, the economic value of time plays a role in separating natural certainty contracts and natural uncertainty contracts. This separation ultimately has implications for the elimination of gharar and interest in contracts.
Analysis of Mudharabah and Musyarakah Financing at Panin Dubai Syariah Bank Supriyadi, Djoko; Hasan, Asyari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3990

Abstract

The purpose of this study was to analyze the relationship between the inflation rate, the BI 7 Day Reverse Repo Rate (BI-7 Day RR), and the money supply on Mudharabah and Musyarakah financing at Panin Dubai Syariah Bank. This type of research is quantitative research using secondary data. The data analysis technique used in this research is descriptive statistics, classical assumption test, and hypothesis testing with the OLS method. Inflation rate, BI 7 Day Reverse Repo Rate (BI-7 Day RR), and money supply act as independent variables while Mudharabah financing and Musyarakah financing act as dependent variables. Based on the test results, the money supply factor has a significant effect on Musyarakah's financing. The implication of this research is that Bank Panin Dubai Syariah should focus on the circulation of the money supply in the community which shows an escalation of people's purchasing power so that they are able to implement policies that make Musyarakah financing more needed by the community.
Co-Authors Aam Slamet Rusydiana, Aam Slamet Abdul Hamid Abdul Muthalib Ahmad Afif Alvadia R, Wirdaning Amrullah, Ata Anisya, Rabina Nur Ansyah, Fatri Apriani, Nurul Arafah, Santi Ardiyansyah, Tegar Arfarizan, Arfarizan Az-zahra, Inayya Binarni, Indah Cahyani, Maya Septi Chasan Fauzi, Muchammad Dwi Putri, Nazwa Eldwin Muhammad Euis Amalia Fachrini, Ariva Fadhillah, Muhammad Fikri Fathir, Imamudin Al Fathullah, Azmi Zikri Fitri Millenia, Hilwa Fitri, Zakiyyah Nur Hanafi, Muhammad Ridhwan Harahap, Muhammad Raja Perkasa Alam Iis Dahlia, Iis Katamsi, Etom Kinanti, Tembang Limatahu, Nadia Sintia Ayu Lutfiah, Hanifah Mega Oktaviany Mohammad Lutfi Mufraini, M. Arief Nasution, Hairatunnisah Nasution, Siti Sarah Nurfitriani, Anisa NURHAYATI, YULI Parsih, Feli Prasetyowati, Riris Aishah Putra, Reja Wardana Rabbani, Mohammad Fathi Rachman, Hesti Putri Rafiuddin, Muhammad Rahmanda, Kaela Alifta Roikhan Mochamad Aziz, Roikhan Mochamad Romanda, Febi Lestari Sabbahatun, Sri Safitri, Anggraeni Wenny Salam Almuhtasib, Abdul Saputra, Izak Shafira, Alfina Siregar, Siti Hairani Siti Sholikhatunnisa Sofyan Rizal, Sofyan Suhendra Supriyadi, Djoko Tisna, Clara Elmira Junjunan Tsaury Manalu, Sofyan Ummu Kaltsum Waluyo, Indra Wardi, Novi Wastuti, Wahyu Wulandari, wulan