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SISTEM MONETER DALAM PERSPEKTIF EKONOMI ISLAM IBRAHIM, ZAINI
Al Qalam Vol 29 No 1 (2012): January - April 2012
Publisher : Center for Research and Community Service of UIN Sultan Maulana Hasanuddin Banten-Serang City-Indonesia

In many economic literatures, economy is divided into two sectors, real sector which covers seroice market and goods market, and monetary sector which consists of money market and equity market. In a part of economic system, monetary that runs in a country will affect the economic rate. Monetary economy can be applied in a polity, called monetary policy. In a conventional discussion, a monetary policy is run in order to reach the increase of national income, to stabilize market price, and to control the inflation rate. To get the goal of that macro-economy, the interest rate is used, in which it becomes the weakness of conventional monetary system. The use of interest rate, furthermore, has caused the economic crisis, indeed global financial crisis. In term of new economic system needs, Islamic monetary system riflers a solution to overcome financial crisis. The riffered system is asset based transaction, free of interest, avoidance of transactions containing speculation (maisir) and uncertainty (gharar). Moreover, it also uses stable curencies, i.e. dinar and dirham. Keyword: Monetary system, interest rate, fiat monry, dinar, dirham.

PENGARUH PENDAPATAN KONTRIBUSI, KLAIM, DAN HASIL INVESTASI TERHADAP PERTUMBUHAN ASET PERUSAHAAN PT ASURANSI ALLIANZ LIFE UNIT SYARIAH Ibrahim, Zaini; aflah, Aflah
Syar'Insurance: Jurnal Asuransi Syariah Vol. 8 No. 1 (2022): Juni 2022
Publisher : UIN Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/sijas.v8i1.6400

Kebutuhan akan jasa perasuransian makin dirasakan baik oleh perorangan maupun dunia usaha di Indonesia. Asuransi merupakan sarana finansial dalam tata kehidupan rumah tangga baik dalam menghadapi resiko yang mendasar seperti resiko kematian atau resiko atas harta benda yang dimiliki. Rumusan Masalah Penelitian: 1) Bagaimana Kontribusi, Klaim, dan Hasil Investasi secara bersamaan berpengaruh terhadap Pertumbuhan Aset Perusahan pada PT Asuransi Allianz Life Indonesia Unit Syariah Tahun 2014 – 2020?. Tujuan Penelitian ini adalah : Untuk mengetahui secara bersamaan pengaruh Kontribusi, Klaim, dan Hasil Investasi terhadap Pertumbuhan Aset Perusahaan PT Asuransi Allianz Life Indonesia Unit Syariah Tahun 2014 – 2020. Metode yang digunakan dalam penelitian ini adalah metode penelitian kuantitatif, dengan analisis deskriptif. Penelitian deskriptif ini dimaksudkan untuk memberikan gambaran dan menerangkan keadaan perusahaan yang tergambar melalui Laporan Keuangan dan Annual Report.. Hasil dari penelitian ini adalah : Hasil pengujian hipotesis variable Kontribusi, Klaim, dan Hasil Investasi berpengaruh secara signifikan terhadap Aset. Hal ini dapat dilihat dari uji-f atau uji simultan yang dilakukan, hasil penelitian menunjukkan bahwa nilai f > f (8,519 > 2,760) dengan demikian H4 diterima atau dapat disimpulkan bahwa variabel bebas secara bersama-sama berpengaruh signifikan terhadap variabel terikat.

Meningkatkan Kepedulian dan Memaksimalkan Transaksi Uang Koin pada Anak Usia Dini di TK Tunas Insan Kamil kota Serang Marfu’ah, Siti; Aguspriyani, Yani; Saraswati, Henny; Ibrahim, Zaini; Hillalliyati, Najmi; Aini, Asti; Raya, Fitri
AKM Vol 5 No 2 (2025): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Januari 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v5i2.1309

Di tengah maraknya transaksi digital dan penggunaan mata uang virtual, keberadaan uang koin fisik masih memegang peranan penting, terutama dalam konteks inklusi keuangan dan edukasi literasi keuangan sejak usia dini. Uang koin, meskipun sering dianggap kurang praktis, memiliki nilai edukatif yang sangat penting dalam mengenalkan konsep dasar keuangan kepada anak-anak. Uang koin dapat membantu anak-anak memahami nilai uang, pentingnya menabung, dan cara melakukan transaksi sederhana. Penggunaan uang koin dalam aktivitas sehari-hari anak-anak, seperti bermain jual-beli dengan teman-teman, dapat menumbuhkan pemahaman tentang konsep ekonomi dasar dan membantu mereka mengembangkan keterampilan finansial yang akan berguna di masa depan. Penelitian ini bertujuan untuk Membangun Kesadaran Finansial dan Pembiasaan Transaksi Uang Koin pada anak- anak usia dini. Dan dari Penelitian ini menunjukkan bahwa penggunaan uang koin meningkatkan literasi finansial anak usia dini di TK Tunas Insan Kamil kota serang, dengan metode percakapan, tugas, dan observasi.

Profit-Sharing and Economic Growth: The Indonesian Experience Ibrahim, Zaini; Fajri, Muhammad
Signifikan: Jurnal Ilmu Ekonomi Vol 13, No 2 (2024)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.33636

Research Originality: The research's originality investigated the causal relationship between profit-sharing schemes (saving and financing) and economic growth.Research Objectives: This study aimed to examine the effect of profit-sharing schemes in Islamic banking on Indonesia’s economic growth, both in the short and long term. Another objective was investigating the causal relationship between profit-sharing schemes and economic growth.Research Methods: This study used two models: the risk-sharing deposit (RSD) and the profit-and-loss-sharing financing (PLS). It used secondary data from the Financial Services Authority of the Republic of Indonesia, Bank Indonesia (BI), and the Central Bureau of Statistics of the Republic of Indonesia. It also used Nonlinear Autoregressive Distributed Lag (NARDL), Error Correction Model (ECM), and Granger Causality methods to analyze quarterly data for the 2009Q1-2022Q4 period.Empirical Results: The results showed that profit-sharing schemes did not have a significant effect on Indonesia's economic growth in the short-term and long-term because the probability figure was more than 10%. This study obtained new findings, showing that the relationship between the RSD instrument and economic growth followed the feedback hypothesis. Implications: The results of this study had implications for Islamic banking efforts to increase efficiency, improve regulations, and reallocate financing.JEL Classification: G21, O47

Analisis Komparatif Kinerja Keuangan Bank Syari'ah dengan Bank Konvensional Secara Umum di Indonesia Periode 2019-2023 Faradella, Tialika Nurul; Nurrodiah, Latifah Dewi; Fhathunnida, Ratu; Hidayat, Wahyu; Ibrahim, Zaini
Assyarikah: Journal of Islamic Economic Business Vol 5, No 1 (2024): Assyarikah: Journal Of Islamic Economic Business
Publisher : Al-Amien Prenduan for Islamic Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28944/assyarikah.v5i1.1746

Menilai kesiapan sektor perbankan nasional dalam menghadapi persaingan komersial pada tahun 2024 dengan fokus pada perbankan syariah, tujuan penelitian kami untuk mengevaluasi hasil keuangan bank syari’ah dan bank konvensional tahun 2019-2023. Kami akan melakukannya dengan melihat kinerja keuangan perusahaan. Strategi pengambilan sampel menggunakan metodologi Purposive Sample, artinya digunakan kriteria tertentu untuk memilih sampel. Parameter keuangan seperti Capital Adequacy Ratio (CAR), Return on Assets (ROA), Loan to Deposit Ratio (LDR), Non-Performing Loan (NPL), dan Biaya Operasional Pendapatan Operasional (BOPO). Kami menggunakan metodologi analisis kuantitatif dalam penelitian kami, yang membatasi penggunaan analisis data pada perhitungan numerik dan lalu membuat kesimpulan. Informasi ini ditarik dari laporan keuangan yang diterbitkan oleh Bank Umum tahun 2019–2023 yang disampaikan kepada OJK, BEI, BI, dan masing-masing bank umum. Metodologi tes yang digunakan pada penelitian ini yaitu Statistik Deskriptif, Statistik Kelompok, Tes Sampel Independen, dan Tes Simultan. Kami juga memanfaatkan program statistik SPSS Versi 25 dalam penelitian ini. Temuan penelitian ini menunjukkan variasi dan fluktuasi yang signifikan dalam setiap ukuran keuangan antara bank umum konvensional dan juga bank umum syari’ah di Indonesia.

Pengaruh Kewajiban Penyediaan Modal Minimum dan Non-Performing Financing Terhadap Cadangan Kerugian Penurunan Nilai Pada PT. Bank KB Bukopin Syariah Setiawan , Dimas; Ibrahim, Zaini; Wulandari, Soliyah
Banque Syar'i: Jurnal llmiah Perbankan Syariah Vol. 10 No. 2 (2024): Juli - Desember 2024
Publisher : Departement of Islamic Banking, Faculty of Islamic Economics and Business, The State of Islamic University (UIN) Sultan Maulana Hasanuddin Banten,

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/bs.v10i2.12248

The study aims to determine the effect of Minimum Capital Provision Obligations on Impairment Loss Reserves, the effect of Non-Performing Financing on Impairment Loss Reserves, and the simultaneous effect of Minimum Capital Provision Obligations and Non-Performing Financing on Impairment Loss Reserves. Research in the form of secondary data on quarterly financial statements for 2015-2022, data collection techniques, literature studies, and documentation techniques. Research sample at PT. Bank KB Bukopin Syariah, purposive sampling method sampling technique. Multiple linear regression analysis research methods: normality test, multicollinearity, autocorrelation, heteroscedasticity, descriptive statistics, t test, F test, correlation coefficient, and determination coefficient. Partial conclusion, Minimum Capital Provision Obligation has no effect on Impairment Loss Reserves based on sig. value 0.09 > 0.05, while Non-Performing Financing has a positive and significant effect on Impairment Loss Reserves based on sig. value 0.00 < 0.05. Simultaneous conclusion, Minimum Capital Provision Obligation and Non-Performing Financing affect Impairment Loss Reserve with a value of sig. 0.00 < 0.05. R value of 0.85% means that Minimum Capital Provision Obligations and Non-Performing Financing against Impairment Loss Reserves have a very strong relationship. The R2 value of 70.1% means that the Impairment Loss Reserve is influenced by Minimum Capital Provision Obligations and Non-Performing Financing, and the remaining 29.9% is influenced by other variables.

Estimation of Multivariate-GARCH Models to Stock Return an Islamic Banks in Indonesia and Malaysia Ibrahim, Zaini; Anita, Anita; Marfuah, Siti; Fitriani, Nurul
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.876

This research aims to forecast Islamic banking stock returns and compare the stock performance of Islamic banks in Indonesia and Malaysia. This research uses the Generalized Autoregressive Conditional Heteroscedasticity (GARCH) method in estimating stock volatility with variance based on market models, known as the Conditional-Capital Pricing Asset Model (C-CAPM). The sample selection technique used a purposive sampling method, and a sample of three commercial Islamic shares in Indonesia and four shares of Bank Islam Malaysia were obtained. The research results prove that Islamic Commercial Bank shares on the Indonesian and Malaysian Stock Exchanges are efficient shares so they are recommended to own, with a ranking based on actual return calculations in Indonesia, namely: 37.7% (BRIS); 35.5% (PNBS); 5.70% (BTPS); and in Malaysia. as follows: 35.7% (KFH); 13.6% (AFIN); 1.70% (RAJHI); 1.0% (CIMB). The Welch F-test with the C-CAPM model proves no difference between the stock returns of Islamic banks in Indonesia and Malaysia.

Studi Komparasi Akomodasi Berbasis Syariah di Kota Serang: Analisis Harga, Fasilitas, dan Kualitas Pelayanan Berdasarkan Ulasan Konsumen Prayogo, Rahmat Tri; Peristiwo, Hadi; Ibrahim, Zaini; Zohriah, Anis
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.1265

Kota Serang dengan slogannya Serang bertakwa menjadi perhatian bagi penulis untuk meneliti beberapa akomodasi syariahnya. Penelitian ini bertujuan untuk menilai beberapa akomodasi syariah di Kota Serang dari segi harga, fasilitas, dan kualitas pelayanan berdasarkan ulasan konsumen. Penelitian ini menggunakan metode deskriptif komparatif dengan pendekatan kuantitatif dan kualitatif untuk membandingkan akomodasi syariah di Kota Serang. Hasil penelitian menunjukkan bahwa harga akomodasi syariah di Kota Serang sangat terjangkau dari Rp 100.000 sampai dengan Rp 500.000. Fasilitas yang diberikan akomodasi syariah di Kota Serang mayoritas memenuhi standar syariah, namun masih ada yang belum memenuhi standar syariah. Kualitas pelayanan terbaik berdasarkan ulasan konsumen mendapatkan rata-rata nilai 35,00 (4,2/5 dengan 147 ulasan).

Profit-Sharing and Economic Growth: The Indonesian Experience Ibrahim, Zaini; Fajri, Muhammad
Signifikan: Jurnal Ilmu Ekonomi Vol. 13 No. 2 (2024)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.33636

Research Originality: The research's originality investigated the causal relationship between profit-sharing schemes (saving and financing) and economic growth.Research Objectives: This study aimed to examine the effect of profit-sharing schemes in Islamic banking on Indonesia’s economic growth, both in the short and long term. Another objective was investigating the causal relationship between profit-sharing schemes and economic growth.Research Methods: This study used two models: the risk-sharing deposit (RSD) and the profit-and-loss-sharing financing (PLS). It used secondary data from the Financial Services Authority of the Republic of Indonesia, Bank Indonesia (BI), and the Central Bureau of Statistics of the Republic of Indonesia. It also used Nonlinear Autoregressive Distributed Lag (NARDL), Error Correction Model (ECM), and Granger Causality methods to analyze quarterly data for the 2009Q1-2022Q4 period.Empirical Results: The results showed that profit-sharing schemes did not have a significant effect on Indonesia's economic growth in the short-term and long-term because the probability figure was more than 10%. This study obtained new findings, showing that the relationship between the RSD instrument and economic growth followed the feedback hypothesis. Implications: The results of this study had implications for Islamic banking efforts to increase efficiency, improve regulations, and reallocate financing.JEL Classification: G21, O47

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