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J-EBIS (Jurnal Ekonomi dan Bisnis Islam)
Published by Institut Agama Islam Negeri Zawiyah Cot Kala Langsa
ISSN : 25021397     EISSN : 25408100     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Other
The Journal that published by Faculty of Economic and Islamic Busines, State Institut for Islamic Studies (IAIN) Zawiyah Cot Kala Langsa, This journal focused on Islamic Economics and Finance studies. The Journal is published twice a year on April and October. The aim of the journal is to disseminate the Islamic economics and finance.
Arjuna Subject : -
Articles 234 Documents
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Profitabilitas menjadi pemediasi untuk variabel yang mempengaruhi struktur modal (Studi pada Bank Umum Syariah di Indonesia periode 2016-2020) Indah Lestari
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3266

Abstract

The purpose of this study is to find out and analyze whether there is an Influence of Liquidity, Growth Opportunity, Asset Structure, and Non Debt Tax Shield on Capital Structure with Profitability as an Intervening Variable in Islamic Commercial Banks Registered at OJK 2016-2020 ". This research is a quantitative research using data sources derived from secondary data, namely the annual report. The sampling technique used in this research is purposive sampling technique. Of the 14 Islamic commercial banks registered with the OJK, only 11 are in accordance with the sample criteria in this study. This study uses the Eviews 9 application as a tool for data processing. The analytical methods used in this research are stationarity test, panel data regression model test, classical assumption test, regression test, and path analysis test. The results obtained in this study are liquidity has a significant negative effect on capital structure. Growth opportunity and asset structure have a significant positive effect on capital structure. Meanwhile, the non-debt tax shield and profitability variables have no significant positive effect on capital structure. Liquidity has no significant negative effect on profitability, growth opportunity has no significant positive effect on profitability. Asset structure has a significant positive effect on profitability, while non-debt tax shield has a significant negative effect on capital structure. From the results of the path analysis conducted in this study, profitability was not able to mediate the variables of liquidity, growth opportunity, and non-debt tax shield on capital structure, but for the asset structure variable profitability was able to mediate the influence of asset structure on capital structure.
Analisis pengaruh makroekonomi terhadap dana pihak ketiga (DPK) dengan equivalent rate (ER) sebagai variabel intervening Salma Firdayanti Salma; Yusvita Nena Arinta Nena
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3356

Abstract

This study aims to determine the Effect of Macroeconomics on Third-Party Funding (TPF) with the Equivalent Rate (ER) as the Intervening Variable (Case Study of Islamic Commercial Banks Period 2016-2020). This type of research is quantitative research which utilizes secondary data in the form of time-series data. Purposive sampling was used as the sampling method. The data that has been obtained later processed using the E-views version 9 application tool. Based on the results, it is shown that the Inflation, BI Rate, and Equivalent Ratevariables partially have a negative effect on TPF, while the Exchange Rate has a positive effect on TPF. Moreover, the variables of Inflation, Exchange Rate, and BI Rate have a positive and significant effect on the Equivalent Rate (ER). It is also found thatThe Equivalent Rate variable cannot mediate the effect of Inflation, Exchange Rate, and BI Rate on TPF.
Performa modal Bank Syariah di tengah pandemi covid-19 Tri Inda Fadhila Rahma Inda
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3530

Abstract

Capital is a very important function in overcoming risks that may occur in the Banking Industry. A bank is said to be healthy if a bank has sufficient capital despite possible risks. To see that a bank is healthy, capital indicators are also the most important measurement, namely through the capital adequacy ratio or Capital Asset Ratio (CAR). Things that can affect the size of the capital adequacy ratio can occur due to internal and external factors. Internal factors originating from the banking industry itself, such as profitability, asset quality, company size and liquidity. Meanwhile, external factors come from outside the company such as the macroeconomic condition of a country. The Covid-19 pandemic is one of the impacts that causes the economic condition of a country to weaken which impacts on investment. So this study aims to see how much the ability of Islamic banks in the midst of the Covid-19 Pandemic which began to occur in Indonesia from February 2020 to the end of 2020. And the factors that influence the capital adequacy ratio's size. The findings of this research show that during the Covid-19 pandemic, Islamic banking was able to show its performance as an ever-growing Islamic financial institution seen from the data on the development of assets and growth in deposits. Islamic banking CAR for the period of 2020 remains at a fairly strong level despite the covid-19 pandemic. Meanwhile, one of the internal factors that influence CAR is Return On Assets (ROA) with a significance value of 0.005.
Analisis faktor pendorong minat nasabah dalam memilih Tabungan Haji di Bank Syariah Mandiri Kantor Cabang Aceh Nurma Sari; Lika Annisa; Eka Nurlina
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3549

Abstract

This study aims to partially and simultaneously analyze the influence of service quality, social, promotion, and knowledge on customer interest in using Hajj savings at Bank Syariah Mandiri in Aceh. Based on 122 questionnaires distributed to respondents, using probability sampling technique, which is simple random sampling and later analyzed by using multiple linear regression models, the results show that service quality, social, promotion, and knowledge have a simultaneous and partial effect on customer interest in using Hajj savings at Bank Syariah Mandiri in Aceh.
Analisis potensi pembayaran non tunai pada pedagang di Kota Langsa Nurjanah Nurjanah
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3646

Abstract

The study aims to look at the potential and barriers to non-cash payments in Langsa City. Using qualitative methods and the number of respondents as many as 6 people. The results of this study show that the city of Langsa has great potential in the application of non-cash payments along with the rapid increase of merchant development in the city of Langsa, and in the application has several obstacles including frequent network errors, lack of socialization about the use of digital transactions
Tingkat literasi keuangan syariah santri dayah Khairatun Hisan; Farhatul Muhaya; Safwan Kamal
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 6, No 2 (2021)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v6i2.3650

Abstract

This study aims to determine the level of Islamic financial literacy of students at Dayah Raudhatul Huda. Aspects of Islamic financial literacy observed including knowledge of basic Islamic finance, Islamic saving and loans, personal finance, contracts in Islamic finance and understanding of Islamic financial institutions. The population in this study were the Senior High students of Dayah Raudhatul Huda with the sample size of 77. The data analysis method used is descriptive statistics. The results showed that the level of Islamic financial literacy of students at Dayah Raudhatul Huda was 68,10% which is categorized as medium.The average value obtained in the aspects of basic Islamic financial knowledge is 74,38%, Islamic savings and loans of 69,35%, personal finance of 54,97%, contract in Islamic finance of 69,34% and understanding of Islamic financial institutions at 72,50%.
Digitalization Of Baitul Maal Wa Tamwil: How Does Survival In Covid-19 Pandemic? Muhamad Fauzi; Ahmad Darussalam
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.3644

Abstract

Covid-19 pandemic, economic activities have limitations and obstacles, including BMT trying and finding out scheme alternatives to survive in providing services. This study aims to find out the efforts of BMT to survive the Covid-19 pandemic.This study used a literature review with a descriptive approach and triangulation analysis techniques. The results showed characteristics of BMT in middle society still exist even in times of crisis. The level of public confidence in BMT providing alternative financing. Government policies have a focus on saving Islamic financial institutions. The BMT development policies prioritize liquidity, monitor DPK liquidity, and control lending or financing. This is an effort for BMT to survive in supporting liquidity, relaxation, and social safety nets. Also a task force for handling the impact of Covid-19 in the Islamic microfinance sector, guaranteeing deposits for microfinance institutions, effective supervision and reporting, and a digital business ecosystem through the human touch and technology. Thus, BMT's efforts survive by digital business application and information technology, government support, and management internalization.
Determinan Generasi Z Menerapkan Gaya Hidup Halal Di Kota Padangsidimpuan Muhammad Ikhsan Harahap; Nurul Izzah; Muhammad Ridwan
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.3761

Abstract

Indonesia's great potential in developing the halal industry has not been optimally utilized. This can be seen from the low output of the halal industry, halal certificates that have not been applied globally and low halal awareness. This study aims to determine the factors that influence Generation Z in Padangdidimpuan City to adopt a halal lifestyle. This research is a quantitative research using primary data. The research sample is Generation Z in Padangsidimpuan City as many as 200 respondents. Data analysis was performed using Smart PLS. The results of the study show that experience and family influence Generation Z in implementing a halal lifestyle in Padangsidimpuan City. Meanwhile, perception, culture and demographics do not affect Generation Z in implementing a halal lifestyle. Generation Z with families who instill Islamic values ​​tend to adopt a halal lifestyle that is in accordance with Islamic teachings. A good understanding of the benefits of a halal lifestyle will motivate Generation Z to adopt a halal lifestyle.
Risk Management Dalam Meningkatkan Profitabilitas Di BMT Tanjung Lailatus Saadah; Moh. Saiful Syuib, M.E
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.3881

Abstract

Risk management in increasing profitability at BMT Tanjung. This research is based on the effectiveness of risk management to increase the profitability of BMT Tanjung in 2 periods. The number of risks in service products certainly makes BMT Tanjung have a risk management strategy that does not have a bad impact on profits. The purpose of this research is to find out how the risk management strategy of Tanjung BMT and whether it is efficient or not in increasing profitability. The research method used descriptive qualitative methods, data collection techniques conducted interviews, observations, and documentation. The research analysis used descriptive qualitative analysis. Based on the research results, BMT Tanjung's risk management strategy starts from applying for financing, evaluating the 5C of financing, conducting a survey to the customer's residence, if there is a non-performing loan, the customer will be given a choice according to the contract. It can be concluded that after the financial statement data of Tanjung BMT was examined using the profitability ratios of GPM, NPM, ROA, and ROE, it was found that the risk management strategy of Tanjung BMT was considered effective in increasing profitability.
Pemetaan Penelitian Akad Mudharabah Pada Lembaga Keuangan Syariah: Studi Bibliometrik Vosviewer Dan Literature Review Eka Wahyu Hestya Budianto
J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 7, No 1 (2022)
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/j-ebis.v7i1.3895

Abstract

This study aims to determine the map of the development of research regarding Mudharabah contracts at Islamic Financial Institutions with a VOSviewer bibliometric study and literature review. The research was conducted over a period of 21 years from 2001 to 2021 by searching through the Garuda website (Digital Reference Garba) with the keyword Mudharabah/Mudharabah. And obtained 857 research articles. The search results were then analyzed descriptively, inputted, analyzed using VOSViewer and literature review to determine the visualization of topic developments and research around the Mudharabah contract. The results showed that the number of publications regarding Mudharabah contracts has increased significantly every year. Then, based on the results of research visualization using VOSviewer, the Mudharabah contract is divided into 8 clusters. Based on the results of the literature review, there are 8 main themes and 435 research topics regarding Mudharabah contracts at Islamic Financial Institutions.

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