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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Holistik: Journal For Islamic Social Sciences Al-Mustashfa Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ilmiah Ekonomi Islam Dimasejati: Jurnal Pengabdian Kepada Masyarakat El-Qish: Journal of Islamic Economics Al Fiddhoh: Journal of Banking, Insurance, and Finance el-Jizya: Jurnal Ekonomi Islam Islamic Economic and Business Journal JURNAL ECONOMINA Jurnal Perbankan Syariah Darussalam (JPSDa) Inkubis: Jurnal Ekonomi dan Bisnis INJURITY: Journal of Interdisciplinary Studies AB-JOIEC: Al-Bahjah Journal of Islamic Economics El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Journal of Sharia Accounting and Tax (JSAT Journal of Management, Economic, and Financial Wealth: Journal of Islamic Banking and Finance Multidiscience: Journal of Multidisciplinary Science Journal of Ekonomics, Finance, and Management Studies Jurnal Kajian Ekonomi dan Perbankan Syariah Academia Open Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Alvien Septian Haerisma
Universitas Islam Negeri Siber Syekh Nurjati Cirebon
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences

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Pegadaian Tinjauan Syari’ah Alvien Septian Haerisma
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 5, No 1 (2013)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (70.896 KB) | DOI: 10.24235/amwal.v5i1.232

Abstract

Abstrak Lembaga keuangan memiliki karakteristik yang berbeda-beda. Pegadaian syariah dalam operasionalnya berpegang kepada prinsip syariah. Pinjaman dengan menggadaikan barang sebagai jaminan utang dalam bentuk rahn diperbolehkan. Aspek kelembagaan tetap menginduk kepada peraturan pemerintah No. 10 Tahun 1990. Pegadaian syariah menggunakan dua metode yaitu ujrah atau fee based income (FBI) dan mudharabah (bagihasil), namun metode ujrah mendominasi operasional sampai saat ini.  Kata kunci: Prinsip syariah, Ujrah atau Fee dan Mudharabah
INTRODUCTION OF ISLAMIC BONDS ((SUKUK) Alvien Septian Haerisma
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 6, No 1 (2014)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (103.863 KB) | DOI: 10.24235/amwal.v6i1.249

Abstract

AbstrakObligasi syariah menekankan pendapatan investasi bukan kepada tingkat bunga (kupon) yang telah ditentukan sebelumnya, melainkan pada tingkat pendapatan berdasarkan pada tingkat rasio bagi hasil (nisbah) yang besarannya telah disepakati oleh kedua belah pihak (emiten dan investor) pada saat terjadinya akad. Jenis industri yang dikelolah oleh emiten serta hasil pendapatan perusahaan penerbit obligasi harus lulus dari seleksi syariah (emiten tidak menjalankan usaha perjudian/permainan yang tergolong judi dan perdagangan yang dilarang, bukan lembaga keuangan konvensional, tidak memperoduksi, mendistribusi dan memperdagangkan makanan dan minuman haram, dan bukan usaha yang memperoduksi/ mendistribusi dan menyediakan barang atau jasa yang dapat merusak moral dan bersifat mudarat). Kata Kunci : Obligasi, Syariah, Sukuk dan Pasar Modal
Cryptocurrency in The Perspective of Maqasid Al-Shariah Wartoyo Wartoyo; Alvien Septian Haerisma
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 18, No 1: June 2022
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/afkaruna.v18i1.14164

Abstract

This study explains the Islamic economic perspective on cryptocurrency, in this case, in the light of maqashid shariah. This research was a literature study and qualitative in nature. The data analysis applied a descriptive-analytical technique with a normative juridical approach to Islamic law. The results of this study conclude that cryptocurrency has a much greater element of mafsadah than maslahah. It is an investment commodity rather than a currency with a very high level of risk and volatility that reflects the mafsadah. This is the attraction of a new investment model because it only follows the trend of global market developments that are far from the function and benefits of currency in the perspective of Islamic economics.
Pemberdayaan Wakaf Tunai Produktif Al-Washliyah Cirebon Sebagai Upaya Terwujudnya Kesejahteraan Jama’ah Zaenal Masduqi; Alvien Septian Haerisma
Dimasejati: Jurnal Pengabdian Kepada Masyarakat Vol 5, No 1 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/dimasejati.202351.13337

Abstract

EMPOWERMENT OF PRODUCTIVE AL-WASHLIYAH CIREBON CASH WAQF AS AN EFFORT TO REALIZE JAMA'AH WELFARE. Sociologically, the people's understanding of waqf assets is still limited to land, buildings and other immovable objects. Its use is limited to the establishment of mosques, madrasas, Islamic boarding schools and public cemeteries. This understanding continues to grow to this day, although this does not violate its useful function. Philanthropically, cash waqf is directed to economic development and empowerment in order to increase the economic welfare of the people. These problems arise due to the lack of transformative preaching about the importance of cash waqf and the various examples of the benefits of waqf carried out by Islamic organizations in general. The role of productive cash waqf needs to be understood and practiced as a form of empowering the potential possessed by Al-Washliyah Cirebon such as renting waqf kiosks and waqf pools so that the proceeds are used for other purposes. This practice is expected to generate widespread prosperity and can be enjoyed by the congregation of Al-Washliyah Cirebon. The empowerment methodology is carried out through a targeted approach by reviving waqf land which has so far been ineffective. Through empowering waqf, waqf assets become profitable assets, of course by involving the community both individually and in groups to carry out cash waqf movements.
Application of Sharia Accounting in Recognizing Income on Murabahah Financing and Compliance with PSAK 102 at Bank Syariah Indonesia Nurul Aini Azizah; Diana Djuwita; Alvien Septian Haerisma
Journal of Management, Economic, and Financial Vol. 1 No. 01 (2023): Journal of Management, Economic and Financial
Publisher : Politeknik Siber Cerdika Internasional

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

Abstract

Murabahah financing products at Bank Syariah Indonesia have increased, this is because murabahah financing is consumptive and flexible financing. The treatment of Islamic accounting which includes recognition, measurement, presentation, and disclosure in murabahah financing based on Statement of Financial Accounting Standards (PSAK) 102. The amount of profit obtained by Bank Syariah Indonesia from murabahah financing depends on the method of income recognition used by referring to the applicable standards. This study aims to determine the application of PSAK 102 to the treatment of murabahah accounting and income recognition methods used by Bank Syariah Indonesia. The method used in this study is a qualitative method with a case study approach. The results of this study as a whole the treatment of sharia accounting in murabahah transactions at Bank Syariah Indonesia are in accordance with PSAK 102 concerning murabahah accounting both in terms of recognition, measurement, presentation and disclosure. Meanwhile, the recognition of its income by Bank Syariah Indonesia uses the annuity method because it is considered more aggressive and more profitable.
The Influence of Marketing Communication and Service Quality on Customer Decisions at BJB Syariah KCP Sumber Cirebon Alvien Septian Haerisma; Abdul Ghoni; Dian Lestari
El-Qish: Journal of Islamic Economics Vol. 4 No. 1 (2024): El-Qish: Journal of Islamic Economics
Publisher : LPPM Universitas Terbuka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33830/elqish.v4i1.8019.2024

Abstract

Various studies have explored the impact of marketing communications and service quality on customer decisions. In carrying out its operational activities, Sharia banking has several factors that can influence the public to decide to use the products and services offered, these two factors include marketing communications and service quality. Therefore, this research aims to determine the influence of marketing communications and service quality on customers' decisions to use Wadiah IB Maslahah savings. The type of research used is survey research using a quantitative approach. The number of samples in this research was 70 samples. By using the Slovin formula, the standard error used is 0.1 or 10%. The data analysis techniques used are validity tests, reliability tests, classical assumption tests, multiple linear regression tests, multiple coefficient tests, and hypothesis tests in the form of t-tests (partial) and F-tests (simultaneous), where all testing processes use IBM SPSS. The results of this research show that there is a partial positive and significant influence between marketing communication variables on customer decisions. Then there is a significant influence between service quality variables on customer decisions. And simultaneously marketing communication variables and service quality influence customer decision variables.
PENGARUH PEMBIAYAAN MUDHARABAH, MURABAHAH, DAN IJARAH TERHADAP RETURN ON ASSET PADA BANK MUAMALAT INDONESIA Ambarwati, Egy; Septian Haerisma SEI, MSI, Alvien; Wahyuningsih SE,MM, Nining
Islamic Economic and Business Journal Vol. 6 No. 1 (2024): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v6i1.6623

Abstract

Berdasarkan data dari laporan publikasi triwulan Bank Muamalat Indonesia pada 5 tahun terakhir 2019-2023 menunjukkan bahwa produk pembiayaan Mudharabah, Murabahah serta Ijarah pada Bank Muamalat Indonesia mengalami fluktuasi setiap tahunnya sampai dengan 2023. Bank Muamalat Indonesia pada 2023 memiliki aset 61,4 triliun dan pertumbuhan aset sebesar 4,2%. Namun Bank Muamalat Indonesia hanya memiliki nilai ROA sebesar 0,09%, hal ini menunjukkan bahwa angka ROA memiliki nilai dibawah standar rata-rata. Penelitian ini bertujuan untuk mengukur pengaruh pembiayaan Mudharabah, Murabahah dan Ijarah terhadap peningkatan ROA pada Bank Muamalat Indonesia. Dalam penelitian ini yang diperoleh dari data sekunder yang berupa data time series dengan rentan waktu 5 tahun mulai dari tahun 2019 hingga 2023. Pengumpulan data menggunakan metode dokumentasi dan studi pustaka, data yang terkumpul dianalisis menggunakan analisis regresi linear berganda dengan alat pengolahandata SPSS 22. Pengaruh pembiayaan mudharabah terhadap ROA menunjukkan nilai positif. Sedangkan pembiayaan murabahah dan ijarah menunjukkan nilai negatif terhadap ROA. Based on data from Bank Muamalat Indonesia's quarterly publication report for the last 5 years 2019-2023, it shows that Mudharabah, Murabahah and Ijarah financing products  at Bank Muamalat Indonesia fluctuate every year until 2023. Bank Muamalat Indonesia in 2023 has assets of 61.4 trillion and asset growth of 4.2%. However, Bank Muamalat Indonesia only has an ROA value of 0.09%, this shows that the ROA figure has a value below the average standard. This study aims to measure the effect of Mudharabah, Murabahah and Ijarah financing  on increasing ROA at Bank Muamalat Indonesia. In this study, which was obtained from secondary data in the form of time series data with a vulnerable time of 5 years starting from 2019 to 2023. Data collection using documentation methods and literature studies, the collected data was analyzed using multiple linear regression analysis with SPSS 22 data processing tools. The effect of mudharabah financing on ROA shows positive value. Meanwhile, murabahah and ijarah financing show a negative value to ROA.
ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM MENYALURKAN PEMBIAYAAN AKAD MUSYARAKAH (Studi Kasus BSI KCP Cirebon Sisingamangaraja) Fitriyatun Napisah, Nida; Eka Setiowati, Nur; Septian Haerisma, Alvien
Islamic Economic and Business Journal Vol. 6 No. 1 (2024): Islamic Economic and Business Journal
Publisher : Institut Agama Islam Negeri (IAIN) Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/iebjournal.v6i1.6759

Abstract

Penelitian ini bertujuan untuk memahami penerapan kontrak pembiayaan musyarakah, penggunaan prinsip 5C dalam penyaluran pembiayaan dengan kontrak musyarakah, serta dampak prinsip 5C terhadap manajemen risiko di BSI KCP Sisingamangaraja Cirebon. Penelitian ini bersifat kualitatif, dengan data yang dikumpulkan melalui observasi, wawancara, dan dokumentasi, kemudian dianalisis menggunakan metode deskriptif.Hasil penelitian ini meliputi: Pertama, mekanisme pembiayaan modal kerja dengan akad musyarakah dimulai dari pengajuan pembiayaan oleh calon nasabah, diikuti oleh analisis dan penilaian agunan oleh bank untuk memastikan keaslian dokumen yang diberikan. Setelah melalui beberapa tahap analisis dan pertimbangan berbagai aspek, bank memutuskan apakah permohonan pembiayaan disetujui atau ditolak. Kedua, manajemen risiko diterapkan menggunakan prinsip 5C oleh BSI KCP Sisingamangaraja Cirebon sebelum memberikan pembiayaan. Karakter nasabah dinilai dari kedisiplinannya, kepribadian yang diketahui dari orang-orang terdekatnya, dan data pinjaman dari BI Checking. Kapasitas dinilai dari keuntungan usaha dan laporan keuangan nasabah, seperti pemasukan dan pengeluaran. Modal nasabah dipertimbangkan cukup kuat jika jumlah modal yang dimiliki besar. Ketiga, persentase pembiayaan bermasalah (Non-Performing Financing/NPF) di BSI KCP Sisingamangaraja Cirebon di bawah 0,5%, menunjukkan efektivitas penyaluran pembiayaan. This study aims to understand the application of musharakah financing contracts, the use of 5C principles in the distribution of financing with musharakah contracts, and the impact of 5C principles on risk management at BSI KCP Sisingamangaraja Cirebon. This research is qualitative, with data collected through observation, interviews, and documentation, then analyzed using descriptive methods.The results of this study include: First, the mechanism of working capital financing with a musharakah contract starts from the application for financing by prospective customers, followed by analysis and collateral assessment by the bank to ensure the authenticity of the documents provided. After going through several stages of analysis and consideration of various aspects, the bank decides whether the financing application is approved or rejected. Second, risk management is implemented using the 5C principle by BSI KCP Sisingamangaraja Cirebon before providing financing. The customer's character is judged by his discipline, known personality from the people closest to him, and loan data from BI Checking. Capacity is assessed from business profits and customer financial statements, such as income and expenses. Customer capital is considered strong enough if the amount of capital owned is large. Third, the percentage of non-performing financing (NPF) at BSI KCP Sisingamangaraja Cirebon is below 0.5%, indicating the effectiveness of financing distribution.
The Effectiveness of Conflict Management in Overcoming Problems at Bank BJB Syariah Cirebon Branch Apriliani, Andhini; Salam, Abdus; Haerisma, Alvien Septian
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol. 8 No. 1 (2024): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v8i1.2556

Abstract

Internal conflict within financial institutions, including Islamic banks, has become a major concern in organizational management literature. One of the main challenges often faced by banks, including Bank BJB Syariah Cirebon Branch, is internal conflict. This research aims to answer questions from the problem formulation, namely to find out how internal conflicts arise and influence performance, implementation of conflict management, and the effectiveness of conflict management in resolving problems at Bank BJB Syariah Cirebon Branch. The research method used is a qualitative descriptive method, the data sources used are primary and secondary data sources with data collection techniques through interviews, literature study and documentation. The research results show that the factors causing conflict at Bank BJB Syariah Cirebon Branch are different goals regarding the distribution of financing, communication errors, and differences of opinion. The implementation of conflict management at Bank BJB Syariah Cirebon Branch is carried out using five methods, namely competition, collaboration, avoidance, compromise and accommodation. Bank BJB Syariah Cirebon Branch has succeeded in implementing effective conflict management, which not only produces an agreement that is acceptable to all parties, but also carries out the conflict resolution process well. This success not only creates a harmonious environment among stakeholders, but can also have a positive impact on the image and reputation of Bank BJB Syariah Cirebon Branch.
Pengembangan Ekonomi Kreatif Bidang Fashion Melalui Bauran Pemasaran Alvien Septian Haerisma
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 10, No 1 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i1.2831

Abstract

AbstrakKebijakan pengembangan ekonomi kreatif yakni pengembangan kegiatan ekonomi berdasarkan pada kreativitas, keterampilan, dan bakat individu untuk menciptakan daya kreasi dan daya cipta individu yang bernilai ekonomis dan berpengaruh pada kesejahteraan masyarakat Indonesia. Tahun 2015 presiden membentuk badan ekonomi kreatif (bekraf) yakni lembaga pemerintah nonkementerian yang berada dibawah dan bertanggungjawab kepada Presiden melalui menteri yang membidangi urusan pemerintah di bidang pariwisata. Ekonomi kreatif khususnya di Cirebon menampilkan kreatifitas bidang fashion menawarkan produk batik yang memiliki nilai seni tinggi dan telah menjadi bagian dari budaya Indonesia. Perumusan permasalahan sebagai berikut: bagaimana pengembangan ekonomi kreatif bidang fashion dan apa faktor pendukung dan penghambat dalam pengembangan ekonomi kreatif bidang fashion melalui bauran pemasaran (studi kasus batik EB Traditional Cirebon)?. Hasil penelitian ini sebagai berikut: adanya ekonomi kreatif berbasis industri batik Trusmi Cirebon ini cukup membantu tingkat kesejateraan masyarakat desa Trusmi dan sekitarnya. Bauran pemasaran menjadi batasan strategi pengembangan ekonomi kreatif yang dilakukan oleh batik EB Traditional Cirebon  yaitu: produk, harga, promosi dan tempat/saluran distribusi. Terdapat faktor pendukung: desa Trusmi adalah pusat industri batik yang berada di Cirebon, dan lainnya juga faktor penghambat: pengolahan limbah batik atau pewarna yang berbahaya, rendahnya minat masyarakat untuk belajar membatik dan lainnya. Kata kunci: ekonomi kreatif, marketing mix, batik trusmi AbstractCreative economic development policy is the development of economic activities based on individual creativity, skill, and talent to create creative and creative power of individuals with economic value and influence on the welfare of Indonesian society. In 2015, the president established a creative economic body (bekraf), a non-ministerial government institution which is under and responsible to the President through a minister in charge of government affairs in the field of tourism. Creative economy especially in Cirebon showcase the creativity of fashion field offering batik product that has high artistic value and has become part of Indonesian culture. The formulation of the problem as follows: how the development of creative economy in the field of fashion and what are the supporting and inhibiting factors in the development of creative economy in the field of fashion through the marketing mix (batik case study EB Traditional Cirebon) ?. The results of this study as follows: the existence of creative economy-based batik industry Trusmi Cirebon is enough to help the level of community welfare Trusmi and surrounding villages. Marketing mix becomes the limitation of creative economic development strategy done by batik EB Traditional Cirebon that is: product, price, promotion and place / distribution channel. There are supporting factors: Trusmi village is the center of batik industry located in Cirebon, and others are also inhibiting factors: the processing of batik waste or harmful dyes, the low interest of the community to learn batik and others. Keywords: creative economy, marketing mix, batik trusmi
Co-Authors Abdul Aziz Abdul Ghoni Abdul Ghoni Abdul Rosyid Abdul Rosyid Abdus Salam, Abdus Ambarwati, Egy Anton Sudrajat Anton Sudrajat Apriliani, Andhini Asari, Achmad Hasyim Deni Prastiono Dewi Fatmasari Dewi fatmasari DIAN LESTARI Diana Djuwita Eka Setiowati, Nur Ela Nurlaela Enceng Iip Syaripdin Enjang Ryan Firmansyah Fitriyatun Napisah, Nida Iip Syaripdin, Enceng Komarudin, Udin Ma'mur Munajat Makmuri Ahdi Maulidina, Devrina Munajat, Ma'mur Mus, Siti Khoiriah Nur Eka Setiowati Nur Ela Nurul Aini Azizah Rahmalia, Dea Ridwan Widagdo Ridwanah, Neng Sifa Ridwannudin, Muhammad Rosidah Rosidah SITI AISAH Slamet Firdaus SRI RAHAYU Sri Rokhlinasari Surasa, Danil Toto Suharto Tria Lestari Udin Komarudin Wahyuningsih SE,MM, Nining Wartoyo Wartoyo Whardana, Karisma Kusuma Yokawati, Sinta Yuningsih, Yuyun Zaenal Masduqi Zaenal Masduqi