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Peluang Investasi Emas Melalui Produk Cicil Emas Bank Syari’ah Indonesia Kantor Cabang Pembantu Situbondo
zeiniye zeny
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10153
Investasi merupakan suatu kegiatan penempatan sebagian kekayaan seseorang untuk mendapatkan keuntungan di masa yang akan datang. Salah satu instrumen investasi yang diminati banyak masyarakat adalah investasi emas karena cenderung aman dan menguntungkan. BSI cicil emas merupakan produk pembiayaan untuk membantu nasabah dalam pembelian emas dalam bentuk lantakan / batangan dengan cara dicicil dan menggunakan akad murabahah. Pembiayaan dilakukan dengan cara membayar uang muka di awal sebesar 20% dan 80% sisanya dengan cara dicicil. Penelitian ini bertujuan untuk mengetahui peluang investasi emas melalui produk pembiyaan BSI cicil emas Kantor Cabang Pembantu Situbondo. Metode Penelitian yang digunakan adalah penelitian lapangan (field research) dengan menggunakan pendekatan deskriptif kualitatif. Sumber data yang digunakan yaitu data primer dan data sekunder melalui observasi, wawancara, kajian pustaka dan dokumentasi dari BSI Cabang Situbondo. Hasil dari penelitian ini menunjukkan bahwa peluang investasi pada produk cicil emas trennya positif karena banyak keuntungan dari investasi cicil emas diantararanya investasi emas lebih menguntungkan dari uang karena tidak terpengaruh inflasi , proses jual belinya mudah, margin yang ditawarkan kompetitif dan harga emas setiap tahun cenderung naik.
Analisis Transformasi Halal Awerness dan Teknologi Blockchain Terhadap Penguatan Halal Value Chain Di Indonesia
Kharisya Ayu Effendi;
Tanti Irawati Mukhlis;
Oliver Hasan Padmanegara;
Vincentia Wahju Widajatun
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10383
The purpose of this study is to see whether Halal Awernes can influence the strengthening of the Halal Value Chain, also to see whether Blockchain Technology can affect the strengthening of the Halal Value Chain. This research method uses a quantitative method that proves the theory or results of previous research. The data used are SMEs in Indonesia, with a random sampling method using the formula according to (HOSMER et al., 1997). So that the obtained data that must be taken amounted to 96 respondents throughout Indonesia. Data analysis uses SPSS 26. The results of this study are Halal Awerness and Blockchain Technology have a positive and significant effect on the Halal Value Chain. This means that, the higher the halal awerness of MSMEs towards halal products will further strengthen the implementation of the Halal Value Chain in Indonesia. The higher understanding and use of blockchain technology in MSMEs will further strengthen the implementation of the Halal Value Chain in Indonesia.
Faktor Faktor Yang Mempengaruhi kualitas laporan keuangan Dan Dampaknya Terhadap Minat Membayar Zakat
Yuhanis Ladewi;
Mizan Mizan;
Indah Rizki Gustiriyani
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10183
This study aims to determine partially the effect of transparency and accountability on the quality of financial reports and their impact on intention to pay zakat. The type of research used is descriptive and associative research. The variables used transparency, accountability, quality of financial reports, and intention to pay zakat. The location of the research was carried out at the National Amil Zakat Agency, South Sumatra Province. The population used is 104 respondents. The sample used is saturated sample. The data used are primary and secondary data, as well as data testing using validity and reliability tests. The analysis technique used is descriptive statistics and inferential statistics (normality test, multicollinearity test and heteroscedasticity test) and the coefficient of determination test (R²) as well as path analysis and hypothesis testing (t). Research data processing was assisted by the SPSS version 25 computer program. The results of the study can be concluded partially (t test) showing that partially accountability affects the quality of financial reports. While transparency has no significant effect on the quality of financial reports. Accountability and quality of financial statements have a significant effect on the intention to pay zakat. Meanwhile, transparency has no significant effect on the intention to pay zakat
Islamic Stock Market Reaction To The Russia-Ukrainian War
Farah Faadilah;
Atina Shofawati
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.11310
This study aims to analyze stock market reaction events preceding and following the proclamation of the Russian invasion of Russia for companies listed on the Indonesia Stock Exchange and indexed by the Jakarta Islamic index. This investigation employs a quantitative approach with an event study methodology. The sample consists of thirty shares of companies listed on the Jakarta Islamic Index. The research sample was selected using the technique of purposive sampling. The research data were analyzed utilizing the paired sample t-test method. The findings of this study indicate that the anomalous return variable affects Jakarta Islamic Index stock prices differently before and after the announcement of the Russian invasion of Ukraine. Before and after the proclamation of the Russian invasion of Ukraine, there is a difference in the trading volume of stocks included in the Jakarta Islamic Index. Investors need to reallocate their assets strategically by developing a hedging strategy to avoid the risk of global uncertainty induced by unpredictability. Investors must invest long-term in anticipating speculators on the capital market, who can cause aberrant returns and abnormal stock trading volatility. To stabilize the stock market, regulators should consider the adverse effects of the financialization/globalization of the stock market in terms of war/conflict. Speculators prey on the uncertainty of global events, which leads to tyranny and abnormal rates of abnormal returns.
Mempercepat pertumbuhan UMKM melalui model waralaba dalam perspektif hukum ekonomi syariah
Naufal Fadillah Fadillah
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10503
Franchising is a popular business model in various industry sectors because it allows entrepreneurs to expand their business quickly through partnerships using established trademarks, products and operational systems. In the perspective of Islamic economic law, franchising with its various advantages has the potential to become an economic instrument that contributes to the development of an economy based on Islamic principles. Several principles in Islamic economics such as profit sharing, prohibition of usury, and avoidance of gharar (uncertainty) are principles that can be applied to franchising activities because they do not contradict general economic principles. This study is a legal study of Islamic economics with a statute approach and interprets existing data and legal documents so as to obtain information that UMKM as businesses with the scope of micro, small and medium which are currently the mainstay of the Government because they are considered able to survive amid the economic crisis can develop quickly because they make franchising a model in doing business.
Evaluasi Bank Syariah Indonesia Pasca Serangan Siber: Pergerakan Saham dan Kinerja
Anisa Solikhawati;
Andriani Samsuri
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10309
This study aims to determine the movement of BRIS shares after the cyber attack on May 8 2023. BRIS, which is owned by PT. Bank Syariah Indonesia Tbk experienced a decrease in share price due to a system error. Digital transaction services had stopped, such as BSI Mobile, ATMs and tellers at branch offices unable to serve customers. This study uses a quantitative method with a descriptive approach. The results show that the stock price movement has decreased until June 26 2023 and BSI's performance seen from the KPMM, ROA and BOPO ratios received the criteria of being healthy and good. Meanwhile, the FDR ratio of Islamic banks is considered bad because it has poor liquidity.
Minat Pedagang Menggunakan Kios Pasca Revitalisasi Pasar Lakessi Kota Parepare (Analisis Maslahah)
Nurul Qisti Al Ihfa
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10742
Pasar Lakessi merupakan pasar yang telah revitalisasi sesuai dengan Peraturan Menteri Perdagangan Republik Indonesia Penelitiann ini bertujuan untuk mengetahui minat pedagang menggunakan kios pasca revitalisasi pasar Kota Parepare. Penelitian ini menggunakan metode penelitian deskriptif kualitatif. Data primer diperoleh dari wawancara secara langsung dengan pengelola pasar yaitu UPTD Pasar Lakessi, pedagan dan pembeli. Hasil penelitian ini menunjukkan bahwa tanggapan yang diberikan oleh UPTD pasar tehadap penggunaan kios pasar yaitu hanya sedikit kios yang digunakan oleh pedagan untuk menjual barang dagangannya. Tanggapan yang diberikan oleh pedagang yang menggunakan kios menunjukkan bahwa kios yang digunakan bersih dan terlindungi serta tidak panas namun kurang pembeli, semetara itu tanggapan yang diberikan oleh pedagang yang tidak menggunakan kios yaitu mereka membangun kios sendiri dengan bahan apa adanya pada area parkir karena lebih banyak pembeli. Tanggapan yang diberikan penjual menunjukkan bahwa pengaruh harga dan kemudahan dalam berbelanja pada bagian area parkir mendorong mereka untuk membeli di area yang tidak diizinkan oleh pengelola pasar.Tinjauan maslahah menunjukkan bahwa manfaat yang diperoleh dari revitalisasi pasar sudah sesuai dengan syariah, selain pedagang memanfaatkan pasar dengan masuk akal dan manfaatnya berkaitan dengan orang banyak. Namun masalah ditemukan yaitu terjadi ketidakadilan pendapatan dan penggunaan kios yang mengakibatkan ketidaktertiban dalam menjual barang.
Peran Zakat Dalam Mengatasi Kemiskinan: Covid-19 Di Indonesia
Anisa Rahmadita
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.9447
Zakat is an obligation for a Muslim in managing their wealth and is also a form of social concern that is given when it reaches the threshold. The distribution of zakat to the recipients is not only limited to consumptive forms that meet basic human needs, but also includes productive zakat distribution in the form of capital for businesses that are monitored for their development, so that the recipients can become more self-reliant. The Indonesian economy has experienced a decline due to the Covid-19 pandemic, which has led to an increase in poverty rates in Indonesia. This research utilizes literature research from articles and published journals. The research findings indicate that zakat plays a role in alleviating poverty and ensuring social justice for the community, including during the Covid-19 pandemic. BAZNAS and LAZ throughout Indonesia have created collaborations to assist the government in dealing with Covid-19 by establishing the Covid-19 Crisis Center
Pengaruh Inovasi Terhadap Performa Usaha Melalui Keunggulan Bersaing Pada UMKM Syariah di Kota Semarang
Laura Fabiola Soegihono;
Ahyar Yuniawan
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.11411
Business performance is an assessment of how the strategy implemented by the company is realized. By assessing business performance, it can be seen how far the company has developed. The aim of this research is to find out whether innovation has an effect on business performance, and to find out whether competitive advantage is able to mediate innovation on business performance. The population in this research are MSMEs in Semarang City who have been established for more than 5 years. The number of samples in this study was 115 respondents using a cluster sampling technique. Data collection techniques use questionnaires and observation methods. The data analysis method uses multiple linear regression with a path analysis approach and the SPSS program. The research results show that the innovation variable has an influence on business performance, then competitive advantage also has a positive and significant influence on business performance. The results of the indirect effect test also show that competitive advantage is able to mediate the relationship between innovation and business performance. The implementation of innovation strategies influences the business performance of MSMEs in Semarang City. Competitive advantage also influences business performance and can mediate the relationship between innovation and the business performance of MSMEs in Semarang City. Suggestions for MSME players in Semarang City to implement innovation strategies that are appropriate to the business sector they are undertaking so that they will increase their competitive advantage which will improve business performance.
Studi Komparasi Efisiensi Bank Syariah dan Bank Konvensional Sebelum dan Selama Pandemi COVID-19
Dicky Iskandar Dzulqornain Aiz;
Cici Musliha
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v9i3.10377
Penelitian ini bertujuan untuk menganalisis dan membandingkan efisiensi kinerja bank syariah dan bank konvensional di Indonesia sebelum dan selama pandemi COVID-19. Penelitian ini menggunakan data sekunder yang berasal dari laporan keuangan 10 bank konvensional dan 10 bank syariah dari tahun 2017 sampai tahun 2022. Data tersebut dibuat triwulanan dan dianalisis menggunakan Data Envelopment Analysis (DEA). Hasil penelitian ini menunjukkan bahwa tidak terdapat perbedaan efisiensi antara bank syariah dan bank konvensional sebelum dan selama pandemi COVID-19. Pandemi COVID-19 memberikan dampak bahwa baik bank syariah maupun bank konvensional sama-sama mengalami penurunan efisiensi selama pandemi COVID-19. Dengan kata lain pembatasan mobilitas selama pandemi COVID-19 memberikan dampak yang sama terhadap kedua jenis bank. Penelitian ini juga menemukan bahwa biaya tenaga kerja dan promosi merupakan biaya yang paling tidak efisien penggunaannya selama pandemi COVID-19 baik pada bank syariah maupun bank konvensional.