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All Journal LA RIBA: Jurnal Perbankan Syariah Al-Iqtishad: Jurnal Ekonomi Syariah
Chusnul Khotimah, Itsnaini
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Economics, Econometrics & Finance

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DETERMINAN KEPATUHAN WAJIB PAJAK (STUDI KASUS BADAN PENDAPATAN DAERAH KABUPATEN MUARA ENIM Chusnul Khotimah, Itsnaini
LA RIBA: Jurnal Perbankan Syariah Vol. 1 No. 02 (2020): Juni 2020
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v1i02.188

Abstract

The Earth and building tax is a tax that must be paid by any citizen who owns the Earth and the building.The tax is managed by the office in the district or city and as the regional original revenue for a district or city.Of course in carrying out its duties there are several obstacles faced by the district office or the city.Therefore, the restorers examine the determinant of the taxpayer compliance that occurred at the Regional Revenue Board of Muara Enim regency.The study uses quantitative descriptive methods and data analysis, the pattern of relations between exogenous and endogenous variables in research illustrated using the Partial Least Square-Path Modeling (PLS-PM) approach.In this study found supporting and inhibitory factors of citizens in complying with paying the Earth and building tax on the Revenue board of Muara Enim regency.Taxpayer compliance, taxpayer awareness and socialization services become an influence for Wrga in the Mematihu to pay the Earth and building tax on the income agency of Muara Enim regency.The influence of other factors is 27.8% against taxpayer compliance.
ANALISIS PSBB (PESTA HASANAH BERBAGI BAHAGIA) BNI SYARIAH SOLUSI DIMASA PANDEMI COVID 19 Chusnul Khotimah, Itsnaini
LA RIBA: Jurnal Perbankan Syariah Vol. 2 No. 01 (2020): Desember 2020
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v2i01.192

Abstract

This research aims to describe the BNI Syariah PSBB (Party of Hasanah Sharing) program during the COVID-19 Pandemic. Covid 19 has affected various aspects of people's lives in Indonesia. One of them is the weakening economic aspect. The Central Statistics Agency (BPS) for the August period stated that economic growth in Indonesia in the second quarter of 2020 was minus 5.32%. However, for the banking aspect, the capital of the banking industry increased 23.2% from July 22.96%. And Islamic banking itself has experienced a growth of 9.22% from 2019. PSBB is one of the BNI Syariah programs to increase DPK. What is known that BNI Syariah during the COVID 19 pandemic experienced an increase in TPF by 21.76% year on year (YOY) in the third quarter of 2020. The author uses descriptive qualitative research methods based on the theory obtained through study literature. The results of this study indicate that the PSBB (Pesta Hasanah Berbagi Bahagia) program as a program to increase TPF at BNI Syariah has been said to be successful. Where many customers deposit their funds in BNI Syariah through the PSBB (Pesta Hasanah Berbagi Bahagia) program. Because the PSBB (Pesta Hasanah Berbagi Bahagia) program uses a type of Mudharabah and Wadiah contract with three products, namely BNI Prima iB Hasanah, BNI Bisnis iB Hasanah and BNI iB Hasanah. Another reason customers choose PSBB (Pesta Hasanah Berbagi Bahagia) is that at the beginning of the Top Up, the customer has immediately received a gift in the form of goods, received his loyal monthly profit sharing and locked deposits for only 3 months.
LARANGAN RIBA DITINJAU DARI TAFSIR AYAT AHKAM SURAT AL-BAQARAH AYAT 275-281 Chusnul Khotimah, Itsnaini
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2022): Januari-Juni 2022
Publisher : Program Studi Ekonomi Syariah

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Abstract

The practice of usury has become a habit in people's daily lives. Both from implied usury and real usury. Even though the prohibition of usury exists in all divine religious rules. In Islam, the prohibition of usury is clearly stated in the Quran. Among them are in the letter Al-Baqarah Verses 275 to 281. Apart from the practice of usury, it also has a bad impact on people who practice it. The purpose of this study is to determine for sure the prohibition of Riba in the Qur'an through Tafsir Ayat Ahkam. The methodology used is descriptive qualitative methodology with a literature study approach. The results obtained from this study are additional knowledge regarding the prohibition of usury in detail through the interpretation of the ahkam verse.
PENGARUH PEMBIAYAAN BERMASALAH DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BTPN SYARIAH PERIODE 2015-2020 Chusnul Khotimah, Itsnaini; Susilawati, Nadiyah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2022): Juli-Desember 2022
Publisher : Program Studi Ekonomi Syariah

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Abstract

The problem faced by Islamic banking to date is the problem of financing in Islamic banking itself. This problematic financing is then related to the bank's profitability in assessing its health. The financing problems faced by banks need to make the bank implement several strategies to improve Non Performing Financing (NPF), namely rescheling (rescheduling), reconditioning (reconditioning), restructuring (rearrangement) and foreclosure of collateral. If a bank is able to generate profits effectively and efficiently, maximum profitability can be achieved. Profitability as a basis to see the company's ability to earn a profit within a certain period. The ability of a company to earn a profit will attract investors to invest in the company so that the company can expand its business. BTPN Syariah As the only sharia commercial bank in Indonesia that focuses on providing services for empowering productive underprivileged customers and developing inclusive finance, BTPN Syariah also provides access to public finances and provides simple financial training to help the community's livelihood with its empowerment program. This study aims to determine whether non-performing financing and operational efficiency have an impact on the profitability of BTPN Syariah using descriptive quantitative methods.
Co-Authors Susilawati, Nadiyah