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All Journal JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JURNAL RUMPUN MANAJEMEN DAN EKONOMI Journal of Ekonomics, Finance, and Management Studies
Almirah Luthfiyah Nur Aurellia
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Religion Agriculture, Biological Sciences & Forestry Humanities Chemistry Civil Engineering, Building, Construction & Architecture Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Social Sciences

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ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PENYELESAIAN PEMBAYARAN BERMASALAH DI PERBANKAN SYARIAH Almirah Luthfiyah Nur Aurellia; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.792

Abstract

Problematic financing is an unavoidable risk for banks in providing financial services. This situation can occur when the debtor fails to fulfill his obligations to the bank, either due to business failure or deliberately not paying financing obligations according to the agreement due to the debtor's bad character. This research aims to identify the factors and impacts of problematic financing in sharia banking, the resolution mechanism, as well as the regulation and relevance of sharia economic law in resolving these problems. The method used is normative juridical (legal research) which focuses on studying the application of applicable positive legal rules or norms and is related to the substance of the research. The research results show that problematic financing factors originate from internal factors (managerial errors) and external factors (debtor errors). Resolving problematic financing can be done through alternative dispute resolution or litigation (resolved by the court). Meanwhile, sharia economic law regulations regarding the resolution of problematic financing can be carried out by means of tahkim, through qadhi, or resolved by means of al-ishlah.
ANALISIS HUKUM EKONOMI SYARIAH TERHADAP PENYELESAIAN PEMBAYARAN BERMASALAH DI PERBANKAN SYARIAH Almirah Luthfiyah Nur Aurellia; Fauzatul Laily Nisa
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 3 (2024): Juli
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v2i3.792

Abstract

Problematic financing is an unavoidable risk for banks in providing financial services. This situation can occur when the debtor fails to fulfill his obligations to the bank, either due to business failure or deliberately not paying financing obligations according to the agreement due to the debtor's bad character. This research aims to identify the factors and impacts of problematic financing in sharia banking, the resolution mechanism, as well as the regulation and relevance of sharia economic law in resolving these problems. The method used is normative juridical (legal research) which focuses on studying the application of applicable positive legal rules or norms and is related to the substance of the research. The research results show that problematic financing factors originate from internal factors (managerial errors) and external factors (debtor errors). Resolving problematic financing can be done through alternative dispute resolution or litigation (resolved by the court). Meanwhile, sharia economic law regulations regarding the resolution of problematic financing can be carried out by means of tahkim, through qadhi, or resolved by means of al-ishlah.
ANALISIS PEMBIAYAAN IJARAH PADA PERBANKAN SYARIAH Almirah Luthfiyah Nur Aurellia; Fauzatul Laily Nisa
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 3 (2024): Juli
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i3.1547

Abstract

. This research was conducted with the aim of analyzing the application of financing using the Ijarah (rental) scheme in the sharia banking industry. The theories underlying this research include the concept of ijarah itself, the Ijarah financing mechanism, the fatwa of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI) regarding Ijarah, as well as the application and implementation of Ijarah financing in practice. This research is descriptive qualitative research carried out in 2016, using data collection methods in the form of literature studies. The research results show that financing products in Islamic banks based on the leasing principle include two types, namely pure lease (Ijarah) and termination of lease with transfer of asset ownership known as Ijarah Muntahiya Bittamlik (IMBT). IMBT is basically a combination of a rental agreement and a sale and purchase agreement.
Analisis Pengaruh Pertumbuhan Ekonomi, Angka Harapan Hidup, Tingkat Partisipasi Angkatan Kerja, dan Tingkat Pengangguran Terbuka Terhadap Tingkat Kemiskinan di Kota Surabaya, Kota Malang, Kota Madiun, Kota Pasuruan, dan Kota Batu Almirah Luthfiyah Nur Aurellia; Marseto; Anisa Fitria Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9564

Abstract

This study aims to analyze the influence of economic growth, life expectancy, labor force participation rate, and open poverty rate on poverty rate in five cities in East Java Province, namely Surabaya City, Malang City, Madiun City, Pasuruan City, and Batu City during the period 2013 to 2023. The method used is a quantitative approach with panel data regression analysis, which allows a combination of time series and cross-section data to obtain more accurate estimates. The main focus of this study is to identify how much each independent variable contributes to changes in poverty rates in the region. The results of this study are expected to be the basis for consideration in formulating poverty alleviation policies by local governments and to be an academic reference in the Faculty of Economics and Business UPN "Veteran" East Java. By understanding the factors that influence poverty empirically, it is hoped that regional development strategies can be directed more effectively and on target.
Analisis Pengaruh Pertumbuhan Ekonomi, Angka Harapan Hidup, Tingkat Partisipasi Angkatan Kerja, dan Tingkat Pengangguran Terbuka Terhadap Tingkat Kemiskinan di Kota Surabaya, Kota Malang, Kota Madiun, Kota Pasuruan, dan Kota Batu Almirah Luthfiyah Nur Aurellia; Marseto; Anisa Fitria Utami
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 10 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i10.9564

Abstract

This study aims to analyze the influence of economic growth, life expectancy, labor force participation rate, and open poverty rate on poverty rate in five cities in East Java Province, namely Surabaya City, Malang City, Madiun City, Pasuruan City, and Batu City during the period 2013 to 2023. The method used is a quantitative approach with panel data regression analysis, which allows a combination of time series and cross-section data to obtain more accurate estimates. The main focus of this study is to identify how much each independent variable contributes to changes in poverty rates in the region. The results of this study are expected to be the basis for consideration in formulating poverty alleviation policies by local governments and to be an academic reference in the Faculty of Economics and Business UPN "Veteran" East Java. By understanding the factors that influence poverty empirically, it is hoped that regional development strategies can be directed more effectively and on target.
Co-Authors Anisa Fitria Utami Fauzatul Laily Nisa Marseto