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MENGELOLA KINERJA KARYAWAN BANK SYARIAH DI MASA PANDEMI COVID-19 MELALUI ISLAMIC WORK ETHICS
Eldes Willy Filatrovi;
Nurul Imani Kurniawati;
Taufiq Andre Setiyono
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v7i2.2744
Dengan diumumkannya status karantina wilayah oleh Presiden Jokowi atas semakin mewabahnya Virus corona, maka secara tidak langsung berdampak secara menyeluruh dari segi ekonomi khususnya bagi masyarakat menengah kebawah. Dalam hal ini peraturan yang ditetapkan oleh Pemerintah dalam Undang-Undang Kekarantinaan Kesehatan yang disebutkan bahwa selama dalam karantina wilayah, kebutuhan hidup dasar orang yang berada di wilayah karantina menjadi tanggung jawab Pemerintah. Kesejahteraan sosial masyarakat di sini berkaitan dengan kesehatan, kondisi ekonomi domestik rumah tangga, rasa aman-nyaman, serta kualitas hidup yang baik. Sehingga masyarakat yang sedang dihadapkan pada pandemi Covid-19 dapat tetap memenuhi kebutuhan dasarnya dan menjalankan fungsi sosialnya. Pandemi Covid-19 telah menyebar ke berbagai negara, termasuk Indonesia. Sebagai akibatnya, hampir semua sektor mengalami kontraksi, tidak terkecuali perbankan syariah. Namun, perbankan syariah dianggap cukup mampu bertahan dari dampak tersebut berdasarkan fakta empiris krisis-krisis yang terjadi sebelumnya. Tujuan penelitian ini untuk menganalisis bagaimana kinerja karyawan pada perbankan syariah dimasa pandemi covid-19. Dalam hal ini perbankan Syariah dituntut harus mampu berkembang walaupun berada di masa pandemic covid-19 ini. Penelitian ini dilakukan di perusahaan perbankan syariah khususnya di Jawa Barat. Sampel yang digunakan adalah karyawan yang telah bekerja minimum dua tahun dengan menggunakan teknik nonprobability sampling. Alat analisis yang digunakan adalah Structural Equation Modeling (SEM). Dengan dilakukannya penelitian ini diharapkan mampu memberikan kontribusi bagi perusahaan dengan kebijakan sebagai upaya pengelolaan karyawan perbankn Syariah di masa pandemic covid-19 agar tetap pada pedoman Alquran dan Hadist serta memberikan kontribusi bagi ilmu pengetahuan yang ada.
Analisis Penilaian Tingkat Kesehatan Bank dengan Metode RGEC Pada PT Bank BRI Syariah (Persero) 2013-2018
Hadi Samanto;
Nurul Hidayah
Jurnal Ilmiah Ekonomi Islam Vol 6, No 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v6i3.1479
The purpose of this research is to determine the influence of the four aspects of RGEC on the assessment of the bank's health level at PT Bank Rakyat Indonesia Syariah. This research uses RGEC method consisting of risk profile, good corporate governace, earning and capital. The sampling techniques in this study used saturated sample methods. And the sample used in this study is the financial statements of PT. Bank BRI Syariah from 2013 to 2018. As one of the sharia public banks in Indonesia, BRI Syariah Tbk bank must maintain the bank's health level in the following years in order to maintain public trust, customers and stake holders towards BRI Syariah Tbk bank. There are several assessment indicators in certain years that fluctuate, this needs to be considered so that in the following years the indicator is maintained stability so as not to adversely affect performance. PT Bank BRI Syariah Tbk also needs to lower operating costs from rank 5 which is unhealthy to rank 1 very healthy in order to maintain the company's performance by increasing profit, especially operating profit. PT Bank BRI Syariah Tbk also needs to lower the percentage rate of Earnings (Rentability) from unhealthy, unhealthy, healthy enough to be a healthy or very healthy rating, with the aim of ordering PT. Bank BRI Syariah Tbk has a higher profit.
Faktor Penentu Profitabilitas BPRS di Indonesia
Nida Laili Fitriyah;
Mohammad Yusron Sholikhin
Jurnal Ilmiah Ekonomi Islam Vol 5, No 3 (2019): JIEI Vol.05 No.03 2019
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v5i3.528
Adapun tujuan dari penulisan paper ini adalah untuk memeriksa faktor penentu yang mempengaruhi profitabilitas Bank Pembiayaan Rakyat Syariah di Indonesia. Dalam rangka untuk mencapai tujuan, penulis menggunakan metode penelitian kuantitatif regresi linier berganda pada data profitabilitas yang telah ditemukan yakni ROA serta beberapa faktor penentu lainnya. Hasil studi menunjukkan bahwasanya semua variabel yang ada dalam penelitian (CAR, FDR, NPF, BOPO, Inflasi) secara bersama-sama mempengaruhi tingkat keuntuwwngan yang di dapat BPRS selama periode penelitian. Studi ini menemukan hasil bahwa rasio kecukupan modal/CAR dan rasio NPF memiliki hubungan negatif namun tidak signifikan kepada ROA. Untuk rasio FDR, hasil studi menunjukkan hubungan positif tidak signifikan terhadap profitabilitas. Selain itu studi ini mengungkapkan BOPO atau efisiensi dari menejemen BPRS memiliki pengaruh signifikan negatif untuk memperoleh profitabilitas. Sedangkan untuk inflasi, hasil menunjukkan hubungan negatif tidak signifikan pada profitabilitas. Paper ini memberikan nilai untuk pengembangan BPRS di Indonesia dalam menambah profitabilitas. Memberikan manfaat kepada investor maupun bagi bank untuk dapat membuat keputusan ekonomi yang berpengaruh terhadap profitabilitas perbankan yang disebabkan dan berkaitan dengan kinerja keuangan.
Dampak Pandemi Covid-19 Terhadap Nilai Harga Saham Syariah di Indonesia
Hasya Mazaya Lathifah;
Dewi Santi Febrianti;
Anisa Putri Utami;
Atiqah Athi Ulhaq;
Tulasmi Tulasmi;
Titania Mukti
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v7i1.1772
COVID-19 Pandemic has brought several direct impacts in Indonesia to make every sector decrease especially in Capital Market since March 2020. COVID-19 is the main impact that affected to decrease the value of ICI in every sector on the stock exchange. However, there is a sector that seems capable to survive during the Pandemic, which is the consumer goods industry sector. One of the successful sectors coming from the consumer goods industry sector is the pharmacy business sector (INAF and KAEF). The research aims to analyze INAF and KAEF stocks during the Pandemic, whether both stocks can survive or not by using a various approach such as global economy, the impact of foreign and domestic policies, the effect of PSBB (Large-scale Social Restrictions), also the lockdown which being held in March-December. The method that is used is qualitative, as the data were collected from ISE (Indonesia Stock Exchange) and Yahoo Finance. The result of this research shows that INAF and KAEF stocks can survive and highly increase the stock price during the COVID-19 Pandemic.
Pemikiran Ibnu Taimiyah dalam Praktek Akad Pembiayaan di Baitul Mal Wat-Tamwil
Udin Saripudin;
M Munir Asrori;
Suryani Suryani
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v7i2.1875
One of Ibn Taymiyah's thoughts (d. 728 H / 1328 AD) that economic transactions are aimed at justice that can only be realized if all the contracts are based on the willingness to agree from all parties, is very interesting to research the practice of financing agreements in Islamic financial institutions (LKS) which in this case Baitul Mal Wat-Tamwil (BMT). The purpose of this study is to find out how much the principle of justice is the basis for the implementation of the financing contract for the parties to the contract. The study uses qualitative methods with a descriptive analysis approach. The research was conducted at BMT Tumang, one of the national-scale BMTs that has contributed to the growth of the sharia microeconomic system. The results showed that Ibn Taymiyah's thoughts regarding the foundation of morality and justice had been applied in the financing agreement at BMT Tumang, it was stated in the Operational Management Standards (SOM) and Standard Operating Procedure (SOP) of BMT Tumang. Keywords : Ibnu Taimiyah, financing agreement, moral foundation, justice, BMT Tumang.
Strategi Pengembangan Digital Marketing, Orientasi Ekuitas Merk, Marketing Intermediaris dan Kinerja Pemasaran di Perbankkan Syariah
Aris Tri Haryanto;
Septiana Novita Dewi
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v6i2.1065
Penelitian ini bertujuan untuk memverifikasi dan menguji model yang menggambarkan pengaruh Digital Marketing terhadap Kinerja Pemasaran yang di mediasi oleh orientasi ekuitas merek dan perantara pemasaran (marketing intermediaries). Populasi adalah pimpinan/manajer/eksekutif pemasaran lembaga perbankan syariah di wilayah Surakarta. Sampel diambil secara acak (random sampling) sejumlah 250 orang. Peneliti mengambil sampel sebesar 25% yaitu 240x25%= 60. Sehingga sampel dalam penelitian ini adalah sebanyak 60 pimpinan lembaga perbankkan syariah di wilayah Surakarta. Dengan tehnik random sampling, yaitu teknik pengambilan secara acak, sehingga kesempatan populasi untuk dijadikan sampel sama besar. Digital marketing berpengaruh positif dan signifikan terhadap orientasi ekuitas merk. Digital marketing berpengaruh positif dan signifikan terhadap marketing intermediaris. Digital marketing berpengaruh positif dan signifikan terhadap kinerja pemasaran. Orientasi ekuitas merk berpengaruh positif dan tidak signifikan terhadap kinerja pemasaran. Marketing intermediaris berpengaruh positif dan signifikan terhadap kinerja pemasaran. Hasil analisis jalur, dapat disimpulkan bahwa penggunaan variabel marketing intermediaris sebagai variabel intervening pengaruh digital marketing terhadap kinerja merupakan jalur paling efektif.
Analisis Kepuasan Anggota KJKS BMT Tumang
Harun Santoso;
Suprihati Suprihati
Jurnal Ilmiah Ekonomi Islam Vol 1, No 03 (2015): Jurnal Ilmiah Ekonomi Islam, Vol. 01, No. 03, November 2015
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v1i03.38
Penelitian ini dilakukan untuk mengetahui Bagaimana tingkat kepuasan anggota terhadap bauran pemasaran pada KJKS BMT Tumang dan Apa yang diharapkan anggota terhadap aplikasi bauran pemasaran kedepan. Kepuasan konsumen menjadi penting dalam kelangsungan hidup suatuusaha, terutama untuk lembaga keuangan syariah seperti KJKS BMT Tumang. Kepuasan anggota menjadi sasaran dan sebagai alat pemasaran yang utama bagi perusahaan dalam bidang jasa. Penelitian ini merupakan penelitian yang datanya diperoleh melalui kuesioner sebanyak 50 anggota KJKS BMT Tumang di cabang Boyolali, Kartasura, Ampel, Cepogo dan Tumang, secara umum semua anggota merasa puas. Sampel dari anggota KJKS BMT Tumang. Data yang diperoleh kemudian diolah dengan menggunakan Tekhnik analisis dengan menggunakan analisis diskriptif dengan cara menyimpulkan hasil wawancara dari anggota. Berdasarkan hasil penelitian mengenai bauran pemasaran dan tingkat kepuasan anggota KJKS BMT Tumang, dapat ditarik kesimpulan untuk masing-masing masalah. Hasil yang diperoleh dari analisis deskripsi, yaitu sebagai berikut:Pengarahan Ijab qobul Pembiayaan oleh pengelola. Beberapa pengelola kurang wawasan dalam menaksir nilai anggunan sehingga anngota tidak bisa meminjam dalam jumlah besar. Perhitungan bagi hasil tinggi dan belum sesuai syariah. Suasana kantor BMT cabang Tumang tempatnya terlihat terlalu penuh. Suasana kantor BMT cabang Cepogo tempatnya terlihat monoton. Beberapa anggota berhenti menabung di KJKS BMT Tumang karena sudah tidak didatangi oleh beberapa marketing funding. Beberapa marketing funding pengganti yang baru, pelayanan lama dan kurang cepat tanggap serta pengelola baru kurang akrab dan kurang dekat daripada pengelola yang lama. Pergantian beberapa marketing funding dari yang lama dengan yang baru, membuat jadwal daftar anggota lama yang seharusnya sudah terjadwal menjadi berubah jadwalnya.Kata Kunci : kepuasan anggota, bauran pemasaran, KJKS
Implementation or Financing Agreement Musyarakah Against Customer in Sharia Bank Periode 2018 (Study: Bank Pembiayaan Rakyat Syariah Bangka Belitung)
Yudi Setiawan
Jurnal Ilmiah Ekonomi Islam Vol 7, No 2 (2021): JIEI : Vol. 7, No. 2, 2021
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v7i2.2399
Agreement is a where action one person or people bind your self against or more persons. In general people are free to make agreement not tied to particular shape can be made oral or writtrn. Financing is provision of funds or bill whinc in the equation with it. Musyarakah is a partnership agreement thet the benefits and risk will be borne together as agreed. Customers are parties who use the services of islam bank and UUS, syariah bank is a that runs is business activities based on syariah principles. Research method used in this research Empirical Juridical. The perpuse of this study is to find out how the Implementation in musyarakah financing and what are the obstcles that occur in the implementation, the implementation of the musyarakah financing agreement, implementation on the basis of syariah principles and agreement of bots parties, then in the implementation there are barriers thet the customers in this case does not perform it’s obligation in accordance eith the contents of the agreement thet has been made. In setting the matter, the ways of deliberation between the two parties do not find an agreement on the matter, then to resovle the matter is pursued by legal means throught the courts or through the arbitration body. Problem in change of islam is conducted in tree ways, nemaly though the road of peace, trough thes road the bank and with rescheduling done, then two road of arbitration, and then though the road of justice.
Analisis Tingkat Kesehatan Bank Syariah Menggunakan Rasio Permodalan, Profitabilitas, Pembiayaan, dan Risiko Kredit
Slamet Santosa;
Muhammad Tho'in;
Sumadi Sumadi
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v6i2.1169
The aims of the research is to find out the soundness level of Islamic banks seen from the capital ratio, profitability, financing, and credit. Islamic banking financial institutions which are to be the focus of this research are Bank Syariah Mandiri (BSM). This research uses quantitative descriptive methods. The data used are the 2014-2018 financial statements. The results of this study indicate that Bank Syariah Mandiri in terms of capital using the CAR ratio shows an average CAR ratio of 14.75%. This means that BSM in terms of capital is ranked very well. Bank Syariah Mandiri in terms of profitability using the ROA and ROE ratio shows an average ROA of 0.53% and ROE of 6%. This means that BSM's ability to generate profits is ranked quite well. Bank Syariah Mandiri in terms of financing using the FDR ratio shows an average FDR ratio of 79.81%. This means that BSM's ability to repay short-term loans and meet agreed financing is at a healthy rating. Bank Syariah Mandiri in terms of credit risk using the NPF ratio shows an average NPF ratio of 3.18%. This means that there is very little credit provided by BSM and the bank is viewed from the aspect of credit risk, including in a good rating. From the results of these research, indicate that the the soundness level of Bank Syariah Mandiri is in a good level of soundness.
Kasus Pencucian Uang Dalam Tinjauan Sistem Ekonomi Syari’ah
Sumadi Sumadi
Jurnal Ilmiah Ekonomi Islam Vol 3, No 03 (2017): JIEI, Vol. 03, No. 03, 2017
Publisher : ITB AAS INDONESIA Surakarta
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DOI: 10.29040/jiei.v3i03.131
Money laundering basically involves assets (income / wealth) that is disguised so that it can be used without being detected that the assets derived from illegal activities. Money laundering through income or assets derived from illegal activity is converted into financial assets that appear to come from legitimate sources. The purpose of this study was to determine how the viewpoint of the Islamic economic system against money laundering, how to solve the problem. This study used a qualitative approach using literature. Results of the study were achieved, in which money laundering is a crime that is so damaging to the country as well, because it can affect or damage the national economy, especially the financial stability of the country. It is completely contrary to the purpose tasyri 'which prevent hazards and create benefits. Money laundering damage, loss, danger, while distancing the benefit of human life, reprehensible, and forbidden that can be called as a crime and in the context of Islamic law. Money loundering view of Islamic law on this money is part immoral acts which leave the required command and does something which is forbidden, where the act was imposed. Thus, the sentence in this case is not determined by the size or the level is, means to determine the lower and upper bounds left entirely to the judge. How to cite: Sumadi, s. (2017). Kasus Pencucian Uang Dalam Tinjauan Sistem Ekonomi Syari’ah. Jurnal Ilmiah Ekonomi Islam, 3(03), 186-192. doi:http://dx.doi.org/10.29040/jiei.v3i03.131