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All Journal MUQTASID An-Nisbah: Jurnal Ekonomi Syariah
Budi Kolistiawan, Budi
IAIN Tulungagung
Religion Economics, Econometrics & Finance

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Tantangan Lembaga Keuangan Syariah dalam Menghadapi Masyarakat Ekonomi ASEAN Kolistiawan, Budi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i1.54-64

Abstract

Islamic law is basically a standard concept. As the time goes by, there is an ijtihad in some aspects of life, but they do not deviate from the teaching of Islam. So Islam in solving the problem is in accordance with Islamic teaching. It is an economic system that is part of human life. Islamic economic system is expected to solve the problems of human life without deviating from Islamic law of Allah SWT. Along with the development of the era, nowadays there are many emerging Islamic-based financial institutions or commonly called as Islamic financial institutions amid community. The purpose of this study is to determine how far the reediness of Islamic financial institutions in facing the ASEAN Economic Community. The method of discussion used in this study is analysis technique based on data and references of library research. Hukum Islam pada dasarnya merupakan konsep yang baku. Tetapi seiring berjalannya waktu, terdapat ijtihad dalam beberapa bidang kehidupan, namun tetap berada pada batasan yang tidak menyimpang dari ajaran Islam. Sehingga Islam dalam menyelesaikan masalah akan sesuai dengan perkembangan zaman. Demikian juga dengan sistem ekonomi yang merupakan bagian dari bidang kehidupan manusia. Sistem ekonomi Islam diharapkan bisa menyelesaikan permasalahan yang ada pada kehidupan manusia tanpa melanggar ketentuan hukum syariat Allah SWT. Seiring dengan perkembangan zaman, saat ini telah banyak bermunculan lembaga keuangan yang berbasis Islam atau sering disebut lembaga keuangan syariah ditengah masyarakat. Tujuan dari pembahasan ini untuk mengetahui sejauh mana kesiapan lembaga keuangan syariah menghadapi Masyarakat Ekonomi Asean. Metode pembahasan dalam artikel ini menggunakan teknik analisis berdasarkan data dan referensi kepustakaan yang ada. 
THE INFLUENCE OF LITERACY MODERATION VARIABLES ON SAVING PREFERENCES IN ISLAMIC BANK (Case Study of Yogyakarta Islamic Bank Customers) Kolistiawan, Budi; Subagiyo, Rokhmat; Shomad VEA, Moh. Ali Abdul; Bachtiar, Jusuf
An-Nisbah: Jurnal Ekonomi Syariah Vol 11 No 1 (2024)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.v11i1.9104

Abstract

Abstrak: Tujuan penelitian ini adalah untuk menganalisis pengaruh variabel moderasi literasi terhadap preferensi menabung di bank syariah dengan mengembangkan theory of planned behavior. Penelitian ini menggunakan sampel 250 responden masyarakat Yogyakarta. Metodologi menggunakan metode kuantitatif berlandaskan pada filsafat positivism, digunakan untuk membuat generalisasi sampel dari populasi tertentu, pengumpulan data menggunakan instrumen penelitian kuesioner dengan alat ukur skala likert, analisis bersifat kuantitatif untuk menguji hipotesis yang telah ditetapkan. Metode analisis dalam penelitian ini menggunakan Structural Equation Modeling (SEM) yaitu analisa data yang menggambarkan hubungan struktural yang diekspresikan oleh seperangkat persamaan dengan menggunakan software SmartPLS 3.0. Hasil analisis menyatakan bahwa variabel sikap tidak berpengaruh terhadap niat perilaku preferensi menabung di bank syariah. Sedangkan variabel norma subjektif dan kontrol perilaku persepsian berpengaruh positif signifikan terhadap variabel niat perilaku preferensi menabung di bank syariah. Berdasarkan hasil penelitian ini juga menyatakan bahwa variabel literasi mampu memoderasi niat terhadap perilaku preferensi menabung di bank syariah. Kata kunci: TPB, Preferensi, Perilaku, Menabung, Bank Syariah Abstract: The aim of this research is to analyze the influence of the literacy moderating variable on savings preferences in Islamic banks by developing a theory of planned behavior. This research used a sample of 250 respondents from the people of Yogyakarta. The methodology uses quantitative methods based on the philosophy of positivism, used to generalize samples from certain populations, data collection uses questionnaire research instruments with Likert scale measuring instruments, quantitative analysis to test predetermined hypotheses. The analysis method in this research uses Structural Equation Modeling (SEM), namely data analysis that describes structural relationships expressed by a set of equations using SmartPLS 3.0 software. The results of the analysis state that the attitude variable has no effect on the behavioral intention of saving preferences in Islamic banks. Meanwhile, subjective norm variables and perceived behavioral control have a significant positive effect on the behavioral intention variable of saving preferences in Islamic banks. Based on the results of this research, it is also stated that the literacy variable is able to moderate intentions towards saving preference behavior in Islamic banks. Keywords: TPB, Preferences, Behavior, Savings, Islamic Banking
TINJAUAN SYARIAH TERHADAP TRANSAKSI MUAMALAT ASURANSI KESEHATAN BADAN PENYELENGGARA JAMINAN SOSIAL (BPJS) Kolistiawan, Budi
An-Nisbah: Jurnal Ekonomi Syariah Vol 2 No 2 (2016)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2016.2.2.187-218

Abstract

Insurance business can be distinguished on some reviews. It includes generalinsurances, life insurances and reinsurances (on the basis of its function).Based on its basic policy, it includes term life insurances, whole life insurances,two beneficial insurances, insurances of investment unit (unit linked). Basedon its belongings, it includes national private-owned insurances, state-ownedinsurances, foreign corporations-owned insurances, and multiplicity-ownedinsurances. Based on the nature of its implementation, it includes voluntaryand compulsory insurances. Based on the business support activities, it includesinsurance brokers, reinsurance brokers, insurance loss assessor, consultingactuary, and insurance agents. Mean while, mechanisms of Takaful (shari’ainsurances) include underwriting, insurance policies, premiums, managementof premiums, claims and insurance coverage. The main obstacles to developshari’a insurance are lack of socialization, limitation of human resources ofTakaful’s expert; lack of Muslim support, weakness of government support.Keywords: Insurance, Shari’a, BPJS.IAIN Tulungagung, Jl. Mayor Sujadi Timur No. 46Email:budikolistiawan@gmail.com
TINJAUAN SYARIAH TENTANG PEMBIAYAAN BERMASALAH DI PERBANKAN SYARIAH Kolistiawan, Budi
An-Nisbah: Jurnal Ekonomi Syariah Vol 1 No 1 (2014)
Publisher : UIN Sayyid Ali Rahmatullah Tulungagung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/an.2014.1.1.185-208

Abstract

In Islamic banking fnancial institutions, fnancing is a very big asset that the funding should be maintained based on the quality of the precautionary principle. The precautionary principle is Bank management guideliness that must be adhered,  in order to create a sound, robust and effcient in accordance with the provisions of the legislation. Application of the precautionary principle by Islamic banks one of which is manifested in the analysis is to analyze the fnancing of confdence in the willingness and ability of prospective clients to settle all its obligations in time, before the Islamic Bank disburses funds to customers Recipient Facility“. The confdence gained from assessment against characteristic carefully, capability, capital, collatera, and business prospects of the receiving facility prospective customers (character, capacity, capital , collateral, condition).  Islamic banks  provide fnancing hope that funding is running smoothly, customers comply with what was agreed in the agreement and paid when due. But it can happen in the fnancing period fnancing problems arise. The efforts made by the Islamic Bank to deal with the problem of fnancing the rescue fnancing problems with restructuring efforts if the customer still has a good faith within the meaning still want to be invited to cooperate in the effort to rescue fnancing problems , but if the customer has not acting in good faith in the sense of cooperative in an effort to rescue the troubled fnancing Islamic bank will make solving the fnancing problems.Keywords : Financing, Islamic Banking, 5C
Co-Authors Bachtiar, Jusuf Rokhmat Subagiyo, Rokhmat Shomad VEA, Moh. Ali Abdul