Articles
<![CDATA[Peran Negara dalam Perekonomian (Tinjauan Teoritis Kebijakan Fiskal dalam Ekonomi Islam) ]]>
<![CDATA[Sofyan, Syaakir]]>
<![CDATA[ Hunafa: Jurnal Studia Islamika Vol 13 No 2 (2016): EKONOMI ISLAM ]]>
Publisher : <![CDATA[State Institute of Islamic Studies (IAIN) Palu ]]>
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DOI: 10.24239/jsi.v13i2.441.288-314
<![CDATA[Indonesia is a state based on law and adopts welfare. Thus, the state has an obligation and responsibility to realize public welfare as stated in the fourth paragraph of Undang-Undang Dasar (UUD) Negara Republik Indonesia 1945. In achieving these objectives, the government must play an important role in various aspects of community life, especially in the economy. One form of government intervention, namely in fiscal policy by adjusting the state revenues and expenditures in the state budget. In Islamic economics, fiscal policy objective is to create economic stability, high economic growth and equitable distribution of income, coupled with the other objectives contained in the rules of Islam]]>
<![CDATA[PROBLEMATIKA LEMBAGA KEUANGAN MIKRO SYARIAH: STUDI PADA KOPSYAH BMT DI KOTA PALU ]]>
<![CDATA[Wanita, Nur]]>;
<![CDATA[Sofyan, Syaakir]]>
<![CDATA[ Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 13 No. 1 (2019): BILANCIA ]]>
Publisher : <![CDATA[Fakultas Syariah Institut Agama Islam Negeri Palu ]]>
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<![CDATA[This research is motivated by the existence of Islamic microfinance institutions in Palu City. In general, Islamic microfinance institutions named Islamic Cooperatives or Finance House (BMT) has enormous potential to empower community economy, particularly from the lower middle class. Since this institution is not only to raise funds, it also can channel it to meet people’s needs especially institutions’ member as well as for the communities’ in general. As time goes by, there is only one unit out of several units of Islamic Cooperatives or BMT in Palu that is still actively carrying out its operational activities, while the rest are already inactive. Therefore, this study tries to raise the issue of how the problems faced by Islamic microfinance institutions (Kopsyah BMT) in the city of Palu.]]>
<![CDATA[NILAI KEADILAN DALAM EKONOMI SYARIAH ]]>
<![CDATA[Sofyan, Syaakir]]>
<![CDATA[ Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 13 No. 2 (2019): BILANCIA ]]>
Publisher : <![CDATA[Fakultas Syariah Institut Agama Islam Negeri Palu ]]>
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DOI: 10.24239/blc.v13i2.499
<![CDATA[Justice has a variety of meanings covering all aspects of human life, especially in the economic field. Justice occupies a central position in the Islamic economic system. With various meanings of fairness, in broad outline is a condition where all levels of society get equal treatment, equality of compensation, the right to life, and enjoy development without anyone feeling disadvantaged. Justice demand that resources be distributed equitably to all people through Islamic economic instruments. The concept of economic justice in Islam emphasizes equality of rights and avoids social imbalances caused by economic inequality. By creating economic justice for society it will present the concept of brotherhood. With a great commitment to brotherhood and justice, all resources which are sacred mandates are used to realize sharia maqashid.]]>
<![CDATA[Kebijakan Penanganan Pembiayaan Bermasalah pada Bank Syariah dan Konvensional Perspektif Ekonomi Syariah Pasca Bencana di Sulawesi Tengah ]]>
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Al Maal: Journal of Islamic Economics and Banking Vol 2, No 1 (2020) ]]>
Publisher : <![CDATA[Prodi Perbankan Syariah FAI UMT ]]>
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DOI: 10.31000/almaal.v2i1.2741
<![CDATA[The natural disaster that occurred in Palu on September 28, 2018 was an earthquake that occurred due to the Palu Koro fault activity, which had a magnitude of 7.4 on the Richter scale, which had an impact on bank performance, primarily related to non-performing loans (NPLs). The purpose of this study was to determine the policy of handling non-performing loans for disaster victims as well as an analysis of the Islamic economy of the policy. This research belongs to the category of qualitative research with a descriptive analysis approach. The object under study is Islamic and conventional banks. The handling of problem loans still has several things that need to be clarified, especially for write offs and write offs that are not regulated in OJK Regulation No. 45/POJK.03/2017 concerning Special Treatment of Credit or Financing for Certain Areas in Indonesia Affected by Natural Disasters. In addition, the determination of credit quality and restructuring with a period of 3 years in special treatment for areas affected by natural disasters is too early to be determined, because the impact of natural disasters for each customer is different and allows some customers to make bad intentions by utilizing the situation to avoid payment.]]>
<![CDATA[Peran Negara dalam Perekonomian (Tinjauan Teoritis Kebijakan Fiskal dalam Ekonomi Islam) ]]>
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Hunafa: Jurnal Studia Islamika Vol 13 No 2 (2016): EKONOMI ISLAM ]]>
Publisher : <![CDATA[State Institute of Islamic Studies (IAIN) Palu ]]>
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DOI: 10.24239/jsi.v13i2.441.288-314
<![CDATA[Indonesia is a state based on law and adopts welfare. Thus, the state has an obligation and responsibility to realize public welfare as stated in the fourth paragraph of Undang-Undang Dasar (UUD) Negara Republik Indonesia 1945. In achieving these objectives, the government must play an important role in various aspects of community life, especially in the economy. One form of government intervention, namely in fiscal policy by adjusting the state revenues and expenditures in the state budget. In Islamic economics, fiscal policy objective is to create economic stability, high economic growth and equitable distribution of income, coupled with the other objectives contained in the rules of Islam]]>
<![CDATA[Strategi Penyelesaian Pembiayaan Bermasalah Pada Transaksi Murabahah Pada PT. Bank Muamalat Indonesia (BMI) Cabang Palu dalam Perspektif Ekonomi Syariah ]]>
<![CDATA[Munifa Munifa]]>;
<![CDATA[Saifullah Bombang]]>;
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 1 No 1 (2019) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Datokarama State Islamic University Palu ]]>
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DOI: 10.24239/jipsya.v1i1.6.73-95
<![CDATA[Penelitian ini membahas tentang Strategi Penyelesaian pembiayaan bermasalah pada Transaksi Murabahah di PT. Bank Muamalat Indonesia (BMI) cabang Palu Perspektif Ekonomi Syariah. Penelitian ini menggunakan pendekatan kualitatif, teknik pengumpulan data melalui wawancara, observasi, dan dokumen. Analisis data dengan mereduksi data, penyajian dan verifikasi data. Hasil penelitian menunjukan bahwa, pembiayaan bermasalah pada transaksi murabahah di Bank Muamalat Indonesia (BMI) cabang Palu, faktor utama permasalahan dalam transaksi Murabahah adalah Faktor Internaldan Eksternal. Namun setelah disusun strategi penanganan pembiayaan bermasalah pada transaksi Murabahah, permasalahan tersebut dapat diselesaikan dan sudah berjalan dengan efektif. Dilihat dari tinjauan perspektif ekonomi syariah pelaksanaan kegiatan pembiayaan Murabahah di BMI Cabang Palu sesuai peraturan dari Dewan Syariah Nasional (DSN) dan Majelis Ulama Indonesia (MUI). Adapun saran dari Peneliti yakni BMI cabang Palu Lebih mengembangkan produk pembiayaan Murabahah, agar tidak hanya sebatas pembiayaan tanah dan bangunan saja.]]>
<![CDATA[Pengaruh Gaya Kepemimpinan Dan Motivasi Kerja Terhadap Kinerja Karyawan Pada Bank Mandiri KCP Palu Imam Bonjol ]]>
<![CDATA[Malkan Malkan]]>;
<![CDATA[Yusuf Adam]]>;
<![CDATA[Muhammad Syafaat]]>;
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 2 No 1 (2020) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Datokarama State Islamic University Palu ]]>
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DOI: 10.24239/jipsya.v2i1.25.106-121
<![CDATA[Tulisan ini bertujuan untuk mengetahui gaya kepemimpinan dan motivasi kerja berpengaruh secara parsial dan simultan terhadap kinerja karyawan pada Bank Mandiri KCP Palu Imam Bonjol serta dari kedua variabel tersebut manakah yang paling berpengaruh terhadap kinerja karyawan. Populasi dalam penelitian ini adalah seluruh karyawan Bank Mandiri KCP Palu Imam Bonjol yang berjumlah 48 orang. Teknik pengambilan sampel yang digunakan adalah teknik sampel jenuh (saturation sampling), dengan menggunakan rumus sampel jenuh menurut Sugiyono. Teknik pengumpulan data adalah melalui teknik observasi dan kuesioner. Kemudian teknik analisa yang digunakan adalah analisi regresi linear berganda. Hasil olahan statistik yang dibantu dengan program SPSS 21 for windows, menunjukan bahwa gaya kepemimpinan dan motivasi kerja secara simultan berpengaruh terhadap kinerja karyawan pada Bank Mandiri KCP Palu Imam Bonjol. Sedangkan, secara parsial gaya kepemimpinan berpengaruh secara signifikan terhadap kinerja karyawan pada Bank Mandiri KCP Palu Imam Bonjol, sedangkan motivasi kerja berpengaruh namun tidak signifikan. Nilai koefisien determinasi (R2) menunjukan bahwa variabel independen (gaya kepemimpinan dan motivasi kerja) yang diteliti mampu menjelaskan 41,4% pengaruhnya terhadap variabel dependen (kinerja karyawan pada Bank Mandiri KCP Palu Imam Bonjol), sedangkan sisanya 58,6% yang dijelaskan oleh variabel independen yang lain yang tidak termaksut dalam penelitian ini.]]>
<![CDATA[PEMIKIRAN AL-GAZALI DALAM EKONOMI ISLAM ]]>
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 10 No. 1 (2016): BILANCIA ]]>
Publisher : <![CDATA[Fakultas Syariah Institut Agama Islam Negeri Palu ]]>
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DOI: 10.24239/blc.v10i1.279
<![CDATA[Al-Gazali lives in agrarian life which is controlled by authorities who always oversees their workers. Meanwhile, those authorities try to find the legitimacy of their actions bureaucratically, or by appealing for religious leaders’ help in order to be leaved an instruction that supports their actions, or cultural onslaught where governments construct educational facilities. Al-Gazali’s thinkings about economy are based on tasawuf approach (approach of Sufism) due to his period of life, the wealthy, powerful, and prestigious are hard to take fiqih (jurisprudential) and philosophical approach in believing Yaum al-Hisab. In this regard, he focuses on individual behaviour that is being discussed based on perspective of al-Qur’an, Sunnah, sahabat and tabi’in’s instructions, and advices of Sufis who are prominent in his time.]]>
<![CDATA[PERKEMBANGAN PERBANKAN SYARIAH DI INDONESIA ]]>
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 10 No. 2 (2016): BILANCIA ]]>
Publisher : <![CDATA[Fakultas Syariah Institut Agama Islam Negeri Palu ]]>
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DOI: 10.24239/blc.v10i2.291
<![CDATA[The enhancement of islamic banking as a bank which applies profit sharing system is a benchmark of islamic economic (ekonomi syariah) implementation. In indonesia, islamic banking development witnesses an increase over years yet sequentially. Some factors regarding the steady growth are owing to the crisis hit the world in 2013, besides the lack of cqpital owned by islamic banking in expanding its network. Hence, to tackle these problems, government participation is required in the development of islamic banking along with the need for consolidation of islamic banking as an evaluation in order to face the alteration of economic phenomenon occurence]]>
<![CDATA[PERAN UMKM (USAHA MIKRO, KECIL, DAN MENENGAH) DALAM PEREKONOMIAN INDONESIA ]]>
<![CDATA[Syaakir Sofyan]]>
<![CDATA[ Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 11 No. 1 (2017): BILANCIA ]]>
Publisher : <![CDATA[Fakultas Syariah Institut Agama Islam Negeri Palu ]]>
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DOI: 10.24239/blc.v11i1.298
<![CDATA[UMKM is a mandate of UUD 1945 which must be realized throughnational development based on economic democracy. UMKM have animportant role in addressing various issues and economic problems ofthe country, including the fulfillment of community needs forgoods/services, unemployment, and employment. In carrying out itsrole, UMKM still have many difficulties and limitations and have notbeen able to realize its ability and role maximally in social andeconomic function. The solution is the full involvement of thegovernment as policy makers, the banking industry as credit providersand the public. All three parties must synergize and play an active rolein realizing independent UMKM.]]>
