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Jurnal Ekonomi Islam
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Articles 293 Documents
STRATEGI PENGEMBANGAN LEMBAGA KEUANGAN MIKRO SYARIAH DI INDONESIA: PENDEKATAN MATRIKS IFAS EFAS Rusydiana, Aam S; Firmansyah, Irman
Jurnal Ekonomi Islam Vol 9 No 1 (2018): Jurnal Ekonomi Islam (MEI)
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

LKMS is a financial institution that is oriented towards improving the welfare of members and society. Despite growing rapidly, LKMS is still experiencing many obstacles in its development. There are still many problems faced by this institution both from the internal and external side. This study attempts to identify the causes and factors that are dominantly an obstacle to the development of LKMS in Indonesia, using IFAS EFAS Matrix and SWOT approaches, along with the solutions offered. Based on the IFE analysis that the highest rating of the power of small and medium enterprises (MSMEs) is followed by high local initiative. While the weakness rating is the cost of human resource training and entrepreneurship training followed by the cost of licensing. The results of EFE analysis that the highest ranking of the opportunities that are financed sector is very flexible followed by the public interest factor toward sharia transaction is getting bigger. While the highest ranking of threats is competition followed by weak regulation and legality LKMS. It is expected that there will be a joint commitment from various parties either from policymakers or academics and practitioners in supporting and encouraging the development effort of sharia finance industry, especially in this case LKMS.
PENGARUH TINGKAT LITERASI MAHASISWA PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN PRODUK PERBANKAN SYARIAH DALAM TRANSAKSI E_COMMERCE Lestari, Nur Melinda
Jurnal Ekonomi Islam Vol 10 No 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

Survey of the Financial Services Authority (OJK) in early 2018 showed sharia financial literacy levels were only 8% based on inclusion rates, for sharia banks themselves reaching highest literacy rates of 6,6% literacy rates and 9% inclusion rates, this was the goal of the banking sharia, of the many obtained in each academic year, must be able to contribute to development of shariah banking literacy levels. Student markets are large for e-commerce and the market. This study looks at the level of financial inclusion of Islamic banking in e-commerce transactions. The instrument test was conducted to test the quality of the instruments used in the study using the classic assumption test, normality test, autocorrelation test, and heteroscedasticity test, the data analysis technique of this study used simple regression analysis. Keywords: Student Literacy Mahasiswa, M-banking Inclusion
KONSEP ETIKA BISNIS ISLAM TERHADAP JUAL BELI ONLINE DALAM PERSPEKTIF FIQIH DAN FATWA DSN-MUI NO.05/DSN-MUI/IV/2000 YANG DITERAPKAN PADA PT HIJUP.COM. Gultom, Mitra Sami; Putri, Melda; Yeni, Fatma
Jurnal Ekonomi Islam Vol 10 No 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

Perkembangan teknologi berpengaruh terhadap perkembangan bisnis online atau e-commerce, dapat mempermudahkan konsumen dalam melakukan aktivitas jual beli. Maraknya jual beli online mengakibatkan tingkatnya kriminalitas yang terjadi. Dikarenakan kurangnya penerapan etika bisnis Islam yang diterapkan. Penerapan etika bisnis Islam diterapkan pertamakali oleh Rasulullah saw yang berprilaku adil, jujur dan amanah dalam melakukan aktivitas bisnisnya. Metode pendekatan kualitatif digunakan oleh penulis dalam melaksanakan penelitian ini, dimana mengkonsep etika bisnis Islam terhadap jual beli online dalam perspektif Fiqih dan Fatwa DSN-MUI NO.05/DSN-MUI/IV/2000. Dalam mengkonsep, peneliti menggunakan analisis deskriptif yang bertujuan untuk memudahkan peneliti dalam menganalisis penelitian di PT.Hijup.com. Berdasarkan analisis deskriptif dalam mengelola etika bisnis Islam pada jual beli online, menunjukkan bahwa etika bisnis Islam terhadap jual beli online sesuai dengan Fiqih dan Fatwa DSN-MUI NO.05/DSN-MUI/IV/2000 yang telah diterapkan pada PT Hijup.com. Kesesuaian yang diterapkan karena hijup membangun SDM dan mitra bisnis yang baik serta terdapatnya inovasi-inovasi baru dalam melakukan service yang sesuai  dengan penerapan etika bisnis Islam.  Kata kunci : Etika Bisnis Islam, Jual Beli Online, Fiqih dan Fatwa DSN-MUI NO.05/DSN-MUI/IV/2000, PT Hijup.com  
ANALISIS PENGARUH ROA, FDR, CAPITAL, CAR TERHADAP RATE OF RETURN DEPOSITO MUDHARABAH PADA PT BANK SYARIAH MANDIRI. Susanto, Eko
Jurnal Ekonomi Islam Vol 10 No 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

Agus Widarjono, Ekonometrika teori dan Aplikasi ,(Yokyakarta, Ekonisia FE UII,2007). Al  Arif,  Nurianto.  ?Dasar-dasar  Pemasaran  Bank  Syariah?.Cet.  1.  CV,(Bandung.  Al Fabeta, 2010). Andikafis ma,?Rate of Return? https://andikafis ma.wordpress.com/ror-atau-roi/ (diakses tanggal 22 November 2016) Annual Report Bank Syariah Mandiri 2014. Laporan Manajemen Final, h.4. dari http://www.syariahmandiri.co. id/category/investor-relation/laporan-tahunan/ (diakses 25 September  2015) Antonio, Muhammad Syafi?i. ?Bank Syariah Bagi Bankir dan PraktisiKeuangan?.Cetakan pertama.( Tazkia,Bank Indonesia 1999). Arifin, Zainul. Dasar-Dasar Manajemen Bank Syariah.(Jakarta: . Azkia Publisher, 2009). Ascarya. Akad & Produk Bank Syariah.( Jakarta: Raja Grafindo Persada, 2008). Boediono. 2001. Teori dan Aplikasi Statistika dan Probabilitas. Bandung: PT. Remaja Rosda Karya. DSN MUI&BI.?Himpunan Fatwa Dewan Syariah Nasional?. cet III.( Ciputat,CV. Gaung Persada 2006). Ghafur W, Muhammad.?Potret Perbankan Syariah Di Indonesia Terkini (Kajian Kritis pengembangan Perbankan Syariah)?, (Yogyakarta: Birini Press,2007). Gujarati, Damodar. Dasar-Dasar Ekonometrika.(Jakarta: Erlangga. 2006) Hamid, Abdul. ?Panduan Penulisan Skripsi?, (Jakarta. FEB UIN Press, 2010) Hasibuan, Malayu. Manajemen Sumber Daya Manusia: Pengertian Dasar, Pengertian, dan Masalah. (Jakarta: PT. Toko Gunung Agung, 2001) Hesti Werdaningtyas, ?Faktor yang Mempengaruhi Profitabilitas Bank Take Over Pramerger di Indonesia,? Jurnal Manajemen Indonesia, Vol. 1, No. 2, 2002, Ikatan Bankir Indonesia, Pemahaman Bisnis Bank Syariah (Jakarta : Gramedia Utama, 2014). J. Supranto , Metode penelitian hukum dan statistik, (Jakarta: Rineka Cipta, 2003). Karim, Adiwarman. ?Bank Islam Analisis Fiqih dan Keuangan?..(Jakarta,PT. Raja Grafindo Persada 2004). Kuncoro, Mudrajad. Metode Riset Untuk Bisnis dan Ekonomi.( Jakarta : Erlangga, 2009) Mariantini, Bety, Ekonomi Makro Islami, (Jakarta: PT Radja Grafindo Persada, 2007). Martono, & D. Agus Harjito. Manajemen Keuangan.( Yogyakarta: EKONISIA, 2010) Mishkin Frederic. ?The Economics of Money, Banking, and Financial Markets?, (Colombia University.Eighth Edition 2007.) Mufraini, Arief. ?Modul Perbankan Syariah Landasan Teori dan Praktik,( Jakarta,?. Fakultas Ekonomi dan Bisnis UIN Jakarta 2008). Muhammad Abdul Mannan, Ekonomi Islam(Jakarta : PT. Intermad.1992). Muhammad Sholahuddin, World Economic Revolution with Muhammad (Sidoarjo: Mashun, 2009). R. Aga Nugraha, Peneliti Muda Kelompok Kajian Ekonomi (Denpasar: Kantor Bank Indonesia, 2007). Rivai, Veithzal. dkk. ?Bank and Financial Instituation Management Conventional And Sharia System?. 1st edition,(Jakarta,PT Raja Gafindo Persada 2007). Rodoni, Ahmad dan Abdul Hamid. ?Lembaga Keuangan Syariah?(Jakarta: Zikrul Hakim, 2008). Saifuddin Azwar, Metode Penelitian (Yogyakarta : Pustaka Pelajar, 2013) Sudarsono, Heri. ?Bank dan Lembaga Keuangan Syariah Deskripsi dan Ilustrasi?, ( Yogyakarta: Ekonisia , 2008). Tika Arundina dan Yusuf Wibisono, Dampak Suku Bunga Konvensional Terhadap Return dan Dana Pihak Ketiga Perbankan Syariah di Indonesia, Vol. 1, No. 01 (Jurnal Ekonomi Syariah, 2007). Totok Budisantoso dan Sigit Triandaru, ?Bank Dan Lembaga Keuangan?(Yogyakarta,. 2006). Wibisono, S. Pengantar Ilmu Kelautan. (Jakarta: PT. Gramedia Widiasarana Indonesia, . 2005). Winarno, Wing Wahyu. Analisis ekonometrika dan statistika . ( Yogyakarta. Edisi kedua. UPP STIM YKPN. 2009). Yudi Suharso, 20 Tahun Perbankan Syariah di Indonesia, Sharing, Edisi 66, Thn IV, Juli 2012. Nachrowi, Djalal Nachrowi, Hardius Usman. Pendekatan Populer dan Praktis Ekonometruka untuk Analisis Ekonomi dan Keuangan, (Jakarta.Lembaga Penerbit Universitas Indonesia ,2006).
REALITA KEKUATAN EKONOMI ISLAM VERSUS KAPITAL DI EROPA DI ABAD 21 Irsyamuddin, Dadang; Ghozali, Muhammad
Jurnal Ekonomi Islam Vol 10 No 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

Geliat perkembangan ekonomi islam di Barat sangat masif pada abad 21 ini. Hal itu dikarenakan masyarakat Barat menginkan sistem ekonomi yang lebih adil dari ekonomi kapital yang mereka terapkan dalam beberapa tahun terakhir. dan dimotivasi oleh perubahan demografi imigran muslim dan kebutuhan pasar muslim akan produk halal lifestyle yang sesuai dengan seruan agama islam. Akan tetapi dalam proses masif itu, Barat melupakan beberapa poin penting yang merupakan tantangan besar pada hari ini.  
THE ROOT CAUSES OF FINANCIAL CRISIS IN ISLAMIC ECONOMIC PERSPECTIVE Ascarya, Ascarya
Jurnal Ekonomi Islam Vol 8 No 02 (2017): November, 2017
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

The ongoing global financial crisis is just a repeat of financial crises which have occurred one after another since the England crisis in 1825. The crises have subsided in the period under Bretton Woods Agreements (BWA) in 1950-1972, with the implementation of the gold standard. The crises have reemerged with the collapse of BWA in 1971, and up to 2011, there are 421 financial crises covering 147 banking crises, 218 currency crises (10 episodes in 2008-2011), and 66 sovereign debt crisis, including 68 twin crises and 8 triplet crises (Laeven and Valencia, 2012). These repeated man-made financial crises happened due to the transgressions of God?s laws in financial dealings, especially in the abandonment of main pillars of Islamic financial system, namely prohibition of rib? (usury or interest), prohibition of maysir (game of chance or speculation) and prohibition of gharar (excessive uncertainty), in their many forms, as well as due to misbehaviors of economic actors, poor governance and unsustainable fiscal system. This study applies Analytic Network Process (ANP) to determine the main root causes of the financial crisis from Islamic economic perspective which are grouped into five clusters, namely: Misbehavior, External Factor, Poor Governance, Unstable Monetary System and Unsustainable Fiscal System. Each cluster will have six relevant elements obtained from literature and in-depth interviews with several experts. The ANP results show that the main root causes of financial crisis from Islamic economic perspective are Social Instability (External Factor), Speculation (Misbehavior), Ineffective Fiscal System (Unsustainable Fiscal System), Hedonism (Misbehavior), Fractional Reserve Banking System (Unstable Monetary System), Political Instability (External Factor), Corruption (Poor Governance), Interest Rate (Unstable Monetary System), Fiat Money (Unstable Monetary System), and Wrong Man in the Wrong Place (Poor Governance). These main root causes should be removed gradually in order to systematically and gradually improve the stability of financial system so that financial crisis will not reappear again and again in the future.
PENGARUH IMPLEMENTASI SISTEM INFORMASI MANAJEMEN ZAKAT BAZNAS (SIMBA) TERHADAP PENGELOLAAN ZAKAT KOTA BOGOR maudy, witri Aulia; Nawawi, Kholil
Jurnal Ekonomi Islam Vol 10 No 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

Penelitian ini bertujuan untuk mengetahui implementasi sistem manajemen zakat atau dikenal dengan SIMBA dan pengaruhnya terhadap pengelolaan zakat berupa pengumpulan dan pendistribusian zakat di BAZNAS Kota Bogor. Metode pada penelitian ini menggunakan metode regresi linear sederhana menggunakan alat bantu SPSS (Statistical Package for the Social Sciences). Berdasarkan hasil penelitian bahwa implementasi SIMBA di BAZNAS Kota Bogor belum sepenuhnya di implementasikan terlihat pada hasil output penelitian dengan SPSS diketahui bahwa Implementasi SIMBA memiliki pengaruh terhadap pengumpulan sebesar 20.4% dan pendistibusian zakat 27.8%.
DETERMINANTS OF DISCLOSURE OF FINANCIAL REPORTING FRAUD AND ITS IMPACT ON THE COMPANY’S FINANCIAL PERFORMANCE AT COMMERCIAL BANKS LISTED ON THE INDONESIAN STOCK EXCHANGE Lestari, Wira; Hernando, Riski; Fitriyani, Rita
Jurnal Ekonomi Islam Vol 10 No 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

Financial reporting fraud can occur in all organizational lines and the perpetrators can be found at the organizational structure level from the top management level to the middle level management. There are still many cases of financial reporting fraud found in banking institutions due to weak implementation of corporate governance which is indicated by weak internal supervision and weak ethical commitment. Financial reporting fraud committed by bank managers directly affects the survival / business of banking and causes a decrease in share prices and corporate reputation due to the impact of disclosure of financial statement fraudulent information that is known by the supervisory agency. Keywords: Ethical Commitment, Audit Committee, Internal Audit, Financial Reporting Fraud, Corporate Financial Performance.  
DIFERENSIASI DAN TINGKAT PEMAHAMAN PRODUK, SERTA KUALITAS SUMBER DAYA MANUSIA ATAS KEPUTUSAN NASABAH PERBANKAN SYARIAH Khasanah, Uswatun; Muamar, Afif
Jurnal Ekonomi Islam Vol 10 No 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

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Abstract

The greater growth of the banking industry creates increasingly fierce competition between the sharia banking industry so that it will make consumers have many alternative choices before deciding which bank to aim for sharia banking transactions. This study aims to reveal the level of understanding of the quality of human resources of customers to customer decisions, the perception of product differentiation of customer decisions. This study uses qualitative research, data collected by interview, observation, documentation and then analyzed using a descriptive analysis method. The results of the study prove the customer's perception of product differentiation, the level of product understanding, and the quality of human resources have a positive influence on customer decisions in Islamic Banking. This means that according to consumers the three components are considered important when using services in Islamic Banking. Keywords: Products, Quality of Human Resources, Customer Decisions
PENGARUH PENGETAHUAN, REPUTASI, LINGKUNGAN DAN RELIGIUSITAS TERHADAP MINAT PELAJAR SEKOLAH MENENGAH KEJURUAN PRODI PERBANKAN SYARIAH DALAM MENABUNG DI BANK SYARIAH Mujaddid, Fajar; Adi Nugroho, Pandu Tezar
Jurnal Ekonomi Islam Vol 10 No 1 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
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Abstract

Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi pelajar SMK perbankan syariah berminat menabung di bank syariah. Berdasarkan analisis sampel berjumlah 72 responden di SMKN 20 Jakarta, SMK Al-Hasra Depok, dan SMK Muhammadiyah 1 Ciputat dengan menggunakan analisis regresi linear berganda menunjukkan bahwa variabel pengetahuan, reputasi, lingkungan, dan religiusitas dapat menjelaskan variabel minat menabung sebesar 51,9 persen. Dengan hasil analisis yang menunjukkan bahwa variabel Reputasi dan variabel Religiusitas memiliki signifikansi 0,019 dan 0,000 yang berarti variabel reputasi dan religiusitas memiliki pengaruh signifikan terhadap minat menabung pelajar di bank syariah. Hasil temuan ini dapat memberikan peluang kepada bank syariah untuk meningkatkan sosialisasi kepada masyarakat muslim yang belum mengetahui bank syariah salah satunya dengan mendukung kegiatan islami seperti pengajian, majelis taklim serta mengedukasi para ustadz tentang bank syariah agar dapat membantu mensosialisasikan dan mengkampanyekan gerakan menabung di bank syariah.   Kata Kunci: Minat Menabung, Pelajar SMK, Bank Syariah, Pengetahuan, Reputasi, Lingkungan, Religiusitas, Regresi Linear Berganda  

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