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Analisis Pelaksanaan Pembiayaan Ijarah Multijasa untuk Re- planting Kebun Kelapa Sawit menurut Fatwa Dewan Syariah Nasional (Studi Kasus Di Pt.Bank Muamalat Indonesia Tbk. Kantor Cabang Padang) Lubis, Riyani Fitri
Jurnal AL-AHKAM Vol 10, No 2 (2019)
Publisher : UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/alahkam.v10i2.1863

Abstract

Shariah banking operations have ignored the absurdity of applying the principles in the contract . In practice there is also a discrepancy between its practice and Islamic law. Shariah banking provides technical funding that is  considered only relatively easier  to  implement. At PT. Bank  Muamalat Indonesia  Tbk. Branch  Office of  Padang, for  multi-service  financing used contract ijarah. While  in  the  financing is required package services  and re- planting goods.  The focus of these studied research is implementation mul- tijasa ijarah financing for replanting of   oil   palm   plantations at   PT . Bank Muamalat Indonesia Tbk. Padang Branch Office has been according accord- ingly Fatwa of Sharia National Council . The purpose of this study is to analyze and disclose the review Fatwa of Sharia National Council on the implemen- tation  of multijasa ijarah financing for replanting of  oil  palm  plantations in PT. Bank Muamalat Indonesia Tbk. Branch Office of Padang. This research is in the form of qualitative deskriptif. The results of this study show that im- plementation of multijasa ijarah financing at PT. Bank Muamalat Indonesia Tbk. The Branch Offices of Padang for replanting the oil palm plantations as a whole have not been in accordance with the Fatwa of Sharia National Council. As for things that are not in accordance with the Fatwa of Sharia Na- tional Council is the writing of ujrah.  Ujrah at PT. Bank Muamalat Indonesia Tbk. Branch Office of Padang is still written in the percentage of 14% of year, although it is from the agreement between both parties, but in the Fatwa of Sharia National Council  Board fatwa on multijasa ujrah financing not in per- centage form but in nominal form.
Contribution of Abu Yusuf's Thoughts to Economics Riyani Fitri Lubis
Budgeting: Jurnal Akuntansi Syariah Vol 4 No 2 (2023): Budgeting: Jurnal Akuntansi Syariah, Desember 2023
Publisher : PROGRAM STUDI AKUNTANSI SYARIAH FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/bdg.v4i2.3790

Abstract

Activities related to economics, especially Islamic economics, have existed since the Prophet era. The rapid and advanced development of technology supports broader economic development. Besides, it encourages Islamic thinkers to contribute their thoughts related to economics, including Abu Yusuf. Indeed, the implementation of their thoughts needs to be restudied. This article aims to review the contribution of Abu Yusuf's thoughts to economics. This library research used descriptive qualitative methods by reviewing the results of Abu Yusuf's study on economics. The results of the review showed that first, the contribution of Abu Yusuf's thoughts to economics can be found in the Book of al-Kharaj which discusses taxation and state income for example, from ghanimah, fai, kharaj, ushr, jizyah, and charity. The book also discusses the utilization of state income based on Islamic principles. Besides, it also focuses on the activities of a country including economic activities such as fiscal policy, kharaj, public finances, and price mechanisms. Second, Abu Yusuf's thoughts influence economic activities and the book of al-Kharaj is used as a reference for contemporary economic studies so far.
Pengaruh Pelatihan dan Penempatan Kerja terhadap Kinerja Karyawan Bank Pembiayaan Rakyat Syariah Bangka Belitung Cabang Koba Kabupaten Bangka Tengah Riska Aprilia; Hendra Cipta; Riyani Fitri Lubis
JYRS: Journal of Youth Research and Studies Vol 4 No 1 (2023): Jurnal JYRS Juni 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/jyrs.v4i1.3730

Abstract

Performance is an important aspect in managing employees in a company, this is because companies need employees who have quality and are competent in their fields to achieve the goals of an organization. One form of activity carried out by the company is to conduct job-related training to increase knowledge and job placement with different levels of competency. This research aims to determine the effect of Training and Job Placement on Employee Performance both partially and simultaneously. This research uses Human Resource Management theory related to employee performance. This research is field research with a quantitative approach. The population in this study were employees of the Bangka Belitung Sharia People's Financing Bank, Koba Branch, Central Bangka Regency, totaling 30 respondents. The sampling technique uses saturated sampling in which all members of the population are sampled. The data sources used in this research are primary data and secondary data. Primary data is obtained from the results of respondents' answers via questionnaires, while secondary data is obtained from information collected as necessary supporting data. The analysis techniques used are validity testing, reliability testing, classical assumption testing, multiple linear regression testing and hypothesis testing. The research results based on the t test show that the training variable and work placement variable have a positive and significant effect on employee performance. This is proven by the training factor which obtained a tcount value of 7.906 > ttable 2.048 with a sig level of 0.000 < 0.05. Meanwhile, the job placement factor obtained was tcount 5.560 > ttable 2.048 with a sig level of 0.000 < 0.05. The research results based on the F test show that training variables and work placement variables have a positive effect on employee performance with a Fcount value of 153.184 > Ftable 4.21 with a sig level of 0.000 < 0.05. The R Square value obtained was 95.9%, while the remaining 4.1% was influenced by other variables not examined in this research.
DYNAMICS OF THE HALAL TOURISM INDUSTRY IN INDONESIA Riyani Fitri Lubis; Robi Rendra Tribuana
JURNAL ECONOMICA: Media Komunikasi ISEI Riau Vol. 12 No. 1 (2024)
Publisher : Ikatan Sarjana Ekonomi Indonesia Cabang Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/economica.v12i1.251

Abstract

The halal tourism industry in Indonesia has experienced significant growth and holds great potential to become one of the main pillars of the national tourism sector. As the country with the largest Muslim population in the world, Indonesia offers various tourist destinations that can be integrated with the halal tourism concept, including Lombok, Aceh, and West Sumatra. This article explores the dynamics of the halal tourism industry in Indonesia, including its developments, potential, challenges, and opportunities. Through a qualitative approach, this article examines how various aspects such as the provision of halal food, prayer facilities, sharia-compliant accommodations, and Islamic environments are implemented in various tourist destinations. Additionally, the article reviews the support from the government and the role of industry players in promoting and developing halal tourism. The analysis shows that despite challenges such as halal certification standardization and industry awareness, Indonesia has received international recognition as a leading halal tourism destination. Continuous support from the government and innovations from industry players are required to overcome these challenges and capitalize on existing opportunities. With the existing potential and support, Indonesia can strengthen its position as a leading global halal tourism destination, which not only positively impacts the national economy but also enhances the country's image as a destination that is welcoming and respectful of cultural and religious diversity.
ANALISIS KEUNTUNGAN BERINVESTASI PADA SAHAM SYARIAH LQ45 PERIODE 2017-2021 DI PASAR MODAL INDONESIA Arfah, Arfah; Pratiwi Nur Hidayati; Viras Alti Pidola; Riyani Fitri Lubis
Jurnal Penelitian Ekonomi Manajemen dan Bisnis Vol. 1 No. 3 (2022): Agustus : Jurnal Penelitian Ekonomi Manajemen dan Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (773.75 KB) | DOI: 10.55606/jekombis.v1i3.484

Abstract

Tujuan utama berinvestasi adalah untuk menghasilkan dan meningkatkan keuntungan dalam bentuk sejumlah uang tertentu. Pertimbangan keuntungan bagi investor akan memengaruhi hasil keputusan perencanaan investasi Tantangan baru bagi investor Muslim adalah apakah berinvestasi di saham syariah dapat menghasilkan pengembalian yang lebih baik dan meminimalkan risiko. Atau risikonya lebih besar dari pengembalian yang dicapai. Permasalahan yang sering terjadi di lapangan yang dialami para investor adalah salah menilai dan menganalisis terhadap saham yang yang dibeli, lemahnya pengetahuan tentang saham, gagal memperoleh keuntungan (Capital Loss), tidak memperoleh capital again, tidak mendapatkan deviden, perusahaan tidak likuit. Melihat fenomena tersebut perlu melakukan analisis tingkat keuntungan berinvestasi di saham syariah LQ45 di Pasar Modal Indonesia. Jenis penelitian ini adalah deskriptif kuantitatif dan korelatif dengan pendekatan studi literatur dengan sumber data yaitu data sekunder. Berdasarkan hasil analisis deskriptif dalam kurun waktu 5 tahun menunjukkan bahwa rata-rata return saham syariah sebesar sebesar-0,010424062 atau -1 %. Hal tersebut 17 perusahaan saham syariah, terdapat 10 perusahaan mendapatkan hasil return yang negatif sehingga sangat berdampak pada rata-rata return saham syariah secara keseluruhan.
Faktor-faktor yang Mempengaruhi Minat Mahasiswa Berinvestasi di Bursa Efek Indonesia Asari, Asari; Triyono, Agus; Lubis, Riyani Fitri
JYRS: Journal of Youth Research and Studies Vol. 5 No. 1 (2024): Jurnal JYRS Juni 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/jyrs.v5i1.4668

Abstract

The Investment Gallery of the Indonesia Stock Exchange (IDX) serves as a means of introducing the Capital Market to the academic world. The IDX is a collaboration between universities and securities companies, aiming to introduce the Capital Market from both theoretical and practical perspectives. A common social phenomenon is where individuals are influenced to make decisions because others in their environment are doing so. This phenomenon frequently occurs in the investment world, where investors follow the actions of other investors despite having limited knowledge and information. The lack of interest in investing is due to two factors, namely knowledge and motivation to invest. This research is quantitative, utilizing a quantitative approach which is a method to test specific theories and can be conducted by examining the relationships between variables. The data collection techniques used include observation, questionnaires, and documentation. The sample size used in this study is 91 respondents. The data analysis techniques used are validity tests, reliability tests, classical assumption tests, and hypothesis testing. Firstly, the results of this study indicate that partially, the investment knowledge variable, with a significance level of 0.020 < 0.05 and a t-value of 2.371, compared to the t-table value of 1.661, shows that t-value 2.371 > t-table 1.661, has a positive and significant effect on the interest in investing among students of the Faculty of Sharia and Islamic Economics at the Indonesia Stock Exchange. Secondly, the motivation variable shows that partially, the motivation variable, with a significance level of 0.000 < 0.05 and a t-value of 6.028, compared to the t-table value of 1.661, shows that t-value 6.028 > t-table 1.661, has a positive and significant effect on the interest in investing among students of the Faculty of Sharia and Islamic Economics at the Indonesia Stock Exchange. Thirdly, simultaneously, the investment knowledge and motivation variables have a positive and significant effect with a significance level of 0.000 < 0.05 and an F-value of 96.812 > F-table 3.10. Therefore, it can be concluded that the investment knowledge and motivation variables have a positive and significant effect on students' interest in investing in the Indonesia Stock Exchange by 68.0%, while the remaining 32.0% is influenced by other variables not examined in this study.
WAWASAN AYAT-AYAT AL-QUR’AN DAN HADIS TENTANG PRODUKSI Riyani Fitri Lubis
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2017)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v3i1.1167

Abstract

Production is a series of activities to produce goods not only for individuals but the community and other creatures aimed at the benefit. A series of activities are conducted in accordance with the guidance of Allah and the Messenger and the freedom to manage the various elements in production are given authority to man, but ownership is held by God. If done in accordance with the guidance it will be reward obtained. Humans have been given resources and knowledge, capital or property so that it can perform production by organizing into the organization so that better in producing. Allah also has clearly affirmed that humans are given privileges. Therefore work hard by using Reason and in accordance with the provisions of Allah and the Messenger because everyone has a responsibility to fellow Muslims in particular.
ETHNOMATHEMATICS EXPLORATION OF TWO-DIMENSIONAL PLANE FIGURES IN TUATUNU GRAND MASJID: INTEGRATING GEOMETRY INTO MATHEMATICS EDUCATION Fahlevi, Mahfudz Reza; Lubis, Riyani Fitri
Jurnal Pendidikan Matematika dan IPA Vol 16, No 1 (2025): January 2025
Publisher : Universitas Tanjungpura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jpmipa.v16i1.76970

Abstract

This research project was conducted to investigate the mathematical aspects, specifically focusing on two-dimensional geometry concepts found in the architectural design of the Tuatunu Grand Masjid, which aimed to integrate these research findings into the mathematics education curriculum. Utilizing a descriptive qualitative methodology from an ethnographic standpoint, information was collected through interviews with two takmir (masjid administrators), as well as through direct observation and documentation. The primary data collection method was direct interaction with participants, which could benefit from further explanation to clarify the specific types of interactions conducted. The analysis process followed Spradley"™s framework, encompassing domain analysis, taxonomy, componential analysis, and identification of cultural themes. The study"™s outcomes highlighted the presence of a variety of geometric shapes within the Tuatunu Grand Masjid, including triangles, quadrilaterals, pentagons, polygons, and circles. These findings suggest that the masjid can serve as a valuable resource for developing educational materials, including worksheets and textbooks, that are grounded in ethnomathematics. By incorporating the architectural features of the masjid into mathematics education, educators can offer students a tangible and practical context for learning two-dimensional geometry, enhancing their understanding and engagement with the subject matter.
Tinjauan Hukum Islam terhadap Pengambilan Keuntungan dalam Jual Beli Lubis, Riyani Fitri; Tribuana, Robi Rendra; Irvita, Misnah
Jurnal Fakta Hukum Vol 2 No 2 (2024): Volume 3, No 1, Maret 2024
Publisher : LPPM UNIVERSITAS Pertiba Pangkalpinang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58819/jfh.v2i2.117

Abstract

Penelitian ini bertujuan untuk meninjau pandanngan hukum Islam terhadap pengambilan keuntungan dalam transaki jual beli. Jenis penelitian ini adalah penelitian kualitatif dengan studi kepustakaan. Pengolahan data dilakukan dengan analisis deskriptif. Adapun hasil penelitian ini memberikan pandangan bahwasanya transaksi jual beli dalam Islam hukumnya diperbolehkan dilaksanakan selagi tidak ada dalil yang melarangnya. Di mana dalam transaksi jual beli ini juga diperbolehkan mengambil keuntungan atau laba, hal ini sejalan dengan penjelasan dalam al – Qur’an bahwasanya Allah SWT. telah menghalalkan jual beli dan melarang riba. Berdasarkan tinjaun hukum Islam berkenaan dengan pengambilan keuntungan dari transakis jual beli tidak ada nash al – Qur’an, hadis nabi, maupun ijma’ para ulama yang melarangnya. Adapun pendapat ulama tentang batasan pengambilan keuntungan ini terdapat perbedaan pendapat ulama. Menurut salah satu ulama (Yusuf Qardhawi) memberikan pendapat apabila keuntungan yang diperoleh terhindar dari sebab – sebab keharaman dan kezaliman maka penjual diperbolehkan mengambil 100% dari keuntungan yang diperoleh atau bahkan lebih. Hal ini dikarenakan tidak ada dalil yang menetapkan besaran keuntungan yang dapat diperoleh dari hasil transaksi jual beli.
Legal Problems in Resolving Village Official Election Conflicts for the Position of Hamlet Head in Aursati Village, Tambang Sub-district Tribuana, Robi Rendra; Lubis, Riyani Fitri
Jurnal Legalitas (JLE) Vol 1 No 1 (2023)
Publisher : LPPM UNIVERSITAS PERTIBA PANGKALPINANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58819/jle.v1i1.57

Abstract

Pemilihan perangkat desa untuk posisi kepala dusun di Desa Aursati tahun 2022 telah menimbulkan konflik berkepanjangan antara pihak pemerintah desa dengan calon kepala dusun yang memperoleh nilai tertinggi. Tujuan tulisan ini untuk mengetahui cara penyelesaian konflik yang timbul dari hasil seleksi perangkat desa untuk jabatan kepala dusun di Desa Aursati Kecamatan Tambang. Metode penelitian yang digunakan adalah kualitatif deskriptif dengan pendekatan statue approach dan conceptual approach. Hasilnya: Pertama, dalam proses seleksi calon perangkat desa untuk kepala dusun di Desa Aursati telah menimbulkan konflik. Konflik ini muncul ketika Kepala Desa Aursati mengeluarkan SK dan menetapkan serta melantik kepala dusun yang nilainya lebih rendah. Hal ini mengakibatkan gugurnya calon kepala dusun yang memperoleh nilai tertinggi dari hasil tes dan seleksi. Peserta yang memperoleh nilai tertinggi merasa dirugikan karena haknya dirampas dengan alasan yang subjektif dan tidak dapat dibuktikan. Sehingga perkara ini dibawa ke jalur hukum dengan membuat pengaduan ke PTUN Pekanbaru. Kedua, pengangkatan dan pemberhentian perangkat desa sebenarnya telah diatur dalam Peraturan Daerah Kabupaten Kampar Nomor 12 Tahun 2017, akan tetapi masih memiliki kekurangan dan kelemahan karena di dalamnya belum dijelaskan tentang penyelesaian konflik yang muncul dari hasil pemilihan perangkat desa untuk jabatan kepala dusun.