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Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam
Published by Universitas Muhammadiyah Prof. Dr. Hamka
ISSN : 25803360     EISSN : 25812874     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam (Journal of Islamic Economics and Islamic Philantropy) is an national journal published by Faculty of Economics and Business University of Muhammadiyah Prof. DR. HAMKA Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam (Journal of Islamic Economics and Islamic Philantropy) is aimed at being a medium for research results dissemination and scientific paper exchanges on the Indonesian Islamic Economics and Islamic Philantropy among academics, practitioners, regulators, and public. Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam (Journal of Islamic Economics and Islamic Philantropy) is issued two times annually, i.e., in Juny, and Desember
Arjuna Subject : -
Articles 8 Documents
 1 
Search results for , issue "Vol. 4 No. 2 (2020)" : 8 Documents clear
Pengaruh Faktor Internal dan Eksternal Terhadap Profitabilitas Bank Syariah di Indonesia Firda Hanifa; Ani Silvia; Nendi Juhendi
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

This study aims to determine the effect of Internal Factor and External Factor on Profitability on Profitability in Islamic Banking listed in Indonesia Central Bank and Financial Service Authority (OJK) . In this study, the explanatory method is used to explain the influence between the independent variables namely Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Inflation, and Exchange Rate on the dependent variable, namely Retiurn on Asset (ROA) and explain the relationship between variables. The population in this study is islamic banking listed on the Indonesia Central Bank and Financial Service Authority for the period 2013-2017. Sample selection through purposive sampling method. There are 11 companies that meet the criteria as research samples, so the research data amount is 220 data. Data collection techniques carried out were document review, data reviewed were quarterly financial reports, transaction data of Indonesia Central Bank, previous research journals and other literature related to research problems. Processing and data analysis techniques include financial management analysis, multiple linear regression analysis, classic assumption test, hypothesis testing, coefficient of determination test and multiple correlation coefficient test. The results of the study show that partially CAR and Inflation variables have a positive and significant influence on ROA. Meanwhile, FDR variable have a negative and signifikan influence on ROA. This shows that the higher FDR, the smaller ROA. The other way around, the smaller FDR, the higher ROA. On the other side, Exchange Rate partially have no signifikan infuence on ROA. Meanwhile, simultaneously research results shows that CAR, FDR, Inflation, and Exchange Rate have a positive and significant effect on ROA. Keywords: Profitability, Capital Adequacy Ratio, Financing to Deposit Ratio, Inflation, Exchange Rate, Islamic Banking
Implementasi Shariah Compliance Pada Produk Gadai Emas di Pegadaian Syariah dan Bank Syariah Mandiri Nova Purnama Sari
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

Shariah compliance in “rahn emas” business sharia in the current era tends to be often violated by Islamic companies in order to obtain greatest profits. Eventhough, interest in “rahn emas” business sharia is increasing. On the other hand, the component of sharia compliance is the main differentiator between Islamic companies and conventional companies. Therefore, this study aims to analyze how the implementation of sharia compliance in “rahn emas” products applied to the Pegadaian Sharia and Mandiri Sharia Bank in Metro City, Lampung. The study was conducted in 2019 at Pegadaian Sharia and Mandiri Sharia Bank in Metro City. The research method used is a case study in both Islamic companies, with a qualitative descriptive analysis method by comparing the implementation of “rahn emas” in both Islamic companies with the MUI fatwa and six indicators of sharia compliance. The results showed that Pegadaian Sharia and Mandiri Sharia Bank in Metro city generally conducted “rahn emas” operational activities based on the MUI DSN fatwa and sharia compliance indicators. However, in practice there is one point that contradicts the DSN MUI fatwa, which is to set maintenance costs following the loan amount. This is contrary to the MUI fatwa No. 26 of 2002 that is the costs and costs of storing goods (marhun) are borne by the pawners (rahin). Therefore, Pegadaian Sharia and Mandiri Sharia Bank in Metro City are expected to be able to make improvements and find a formula for determining administrative costs and maintenance costs in accordance with the DSN MUI fatwa.
Jumlah Pembiayaan Murabahah dengan Tenor Pembiayaan Terhadap Profitabilitas Bank BNI Syariah Khori Muharani
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

ABSTRACT This study aims to measure the impact of the effect of the amount of murabahah financing based on short and long-term financing tenors on profitability (ROA) at BNI Syariah KC Jambi City. Determine the amount of murabahah financing with a financing tenor based on the financing products offered by Islamic banks. The analysis method used is multiple linear regression, by performing the classical assumption test, T test, F test and R2 test. The analysis results show that partially the amount of murabahah financing with a financing tenor of 1-2 has a positive effect on profitability (ROA) with sig 0.019 <0.05. The variable of the amount of murabahah financing with a financing tenor of 3-5 years, and the amount of murabahah financing with a financing tenor of more than 5 years-20 years did not have a significant effect on profitability (ROA) with sig degrees 0.636> 0.05 and 0.146> 0.05. Simultaneous test (F test) of all independent variables has a significant effect on profitability (ROA) with a significance value of 0.007 <0.05. The coefficient of determination R Square is 52.2%, the effect between variables on ROA while the remaining 47.8% is influenced by other factors outside the research model. Keywords: Total Murabahah Financing; Tenor Financing; Profitability (ROA).
Upaya Baitul Maal Wa Tamwil Bertahan Di Masa Pandemi Covid-19 Muhamad Fauzi; Agus Gunawan; Ahmad Darussalam
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

Background: The middle economics in Indonesia, has been familiar with Baitul Maal Wat Tamwil (BMT), it is presenting needs supports of many people. During the Covid-19 pandemic, economic activities has limitations and obstacles, including BMT trying and finding out scheme alternatives to survive in providing services. Purposes: The purpose of this study is to find out the efforts of BMT to survive the Covid-19 pandemic. Methods: This study used a literature review with a descriptive approach and triangulation analysis techniques. Results: The results showed: the characteristics of BMT in the middle society still exist even though in times of crisis, the level of public confidence in BMT providing alternative financing, government policies has focus on saving Islamic financial institutions, the existence of BMT development policies are liquidity is a priority, monitoring of deposits liquidity, and controlling lending or financing as efforts BMT surviving liquidity supporting, relaxation, social safety nets, task force handling the impact of Covid-19 in the Islamic microfinance sector, deposit insurance microfinance institution (LPS), supervision and effective reporting, digital business ecosystem by human touch and technology. Conclusions: Thus, the efforts BMT surviving by digital business application and information technology, government support and management internalization.
Etos Kerja Islam, Gaya Kepemimpinan, Budaya Organisasi, Dan Motivasi Kerja Terhadap Kinerja Karyawan Dengan Kepuasan Kerja Pada Tenaga Paramedis Mohammad Taufiq Hidayat; Eko Hariyanto
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

ABSTRAK Tujuan dari penelitian ini adalah Analisis Pengaruh Etos Kerja Islam, Gaya Kepemimpinan, Budaya Organisasi, Dan Motivasi Kerja Terhadap Kinerja Karyawan Dengan Kepuasan Kerja Sebagai Variabel Intervening. Kuesioner digunakan sebagai alat pengumpulan data. Metode purposive sampling dengan menggunakan 72 sampel dari tenaga medis yang berada di RSU Islam Fatimah Cilacap dengan jumlah seluruh tenaga medis yang ada 261. Data dianalisis dalam dua tahap terpisah namun berurutan dengan menggunakan pemodelan persaman struktural dengan pendekatan kuadran terkecil parsial. Hasil penelitian mengungkapkan bahwa etos kerja islam dan motivasi kerja secara langsung terhadap kinerja memiliki hubungan positif dan signifikan sedangkan, kepuasan kerja sebagai variabel intervening dari etos kerja islam, gaya kepemimpinan, budaya organisasi dan motivasi kerja terhadap kinerja karyawan memiliki hubungan yang positif tetapi tidak sinifikan karena hasilnya dari kepuasan kerja terhadap kinerja lemah sebesar (original sample estimate 0.329; T-statistik 3.906)
Islamicity Performance Index Dan Struktur Modal Terhadap Kinerja Keuangan Perbankan Syariah Anggita Putri Pratiwi; Yadi Nurhayadi; Mulyaning Wulan
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

Today's sharia-based finance has grown rapidly. One of them is a sharia-based bank financial institution that has begun to develop from time to time, in terms of assets and performance. The bank is said to be healthy if it produces satisfactory performance. Your research discusses the relationship between the Islamicity performance index as the first variable consisting of profit sharing and zakat and the second variable consisting of the capital structure of Islamic banking on the performance of Islamic banking. The research method used is descriptive associative quantitative method which explains the relationship between the variables with each other. Partially profit sharing and capital structure have no effect and zakat has a negative effect on financial performance. Simultaneously there is an influence between profit sharing, zakat and capital structure on the financial performance of Islamic banking. The regression model shows an adjusted r-square value of 0.201. This shows that the profit sharing ratio, zakat performance ratio and capital structure can explain 20.1% of the dependent variable, namely the financial performance (ROA) of Islamic banking.
Pendapatan Premi dan Hasil Investasi terhadap Cadangan Dana Tabarru’ Pada Industri Asuransi Syariah Indonesia Ahmad Subaki; Akhmad H. Abubakar; Faizal Ridwan Zamzany
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

This study aims to determine the effect of premium income and investment returns on tabarru 'reserve funds in life insurance companies in Indonesia. This study, using a correlational method, the population used in this study is a life insurance company that is a member of the Indonesian Sharia Insurance Association (AASI). A sample of 7 (seven) companies, the data collection techniques used were document review, and the data management and analysis techniques used were accounting analysis and multiple linear regression analysis. The results of the coefficient of determination analysis show that the variable premium income and investment returns can explain 92.5% of the variation in the tabarru' reserve fund variable, while the remaining 7.5% is explained by other variables not included in this study. The results showed that partially premium income and investment returns have a positive and significant effect on tabarru 'reserve funds. While simultaneously premium income and investment returns also have a positive and significant effect on tabarru 'reserve funds. Based on the results of the above research, it is suggested to the Islamic life insurance company, which is the sample in the study, if you want to obtain an increased tabarru' reserve fund, then you should do better promotions so that the premium income obtained increases and makes the best possible investment, so that getting investment income (investment returns) is improving.
Label Halal dan Kualitas Produk Obat terhadap Minat Beli Obat pada Mahasiswa Feb Uhamka Ayu Nur Refmasita; Faozan Amar; Meita Larasati
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 2 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp101-114

Abstract

Meningkatnya kesadaran akan produk halal membuat minat terhadap obat dengan kandungan yang thayyib maupun obat dengan halal positioning secara tidak langsung merefleksikan besarnya pengaruh agama dalam pengambilan keputusan konsumen. Penelitian ini membahas tentang seberapa besar pengaruh label halal dan kualitas produk obat terhadap minat beli obat mahasiswa FEB UHAMKA. Metode yang digunakan di dalam penelitian ini adalah metode kuantitatif. Metode pengambilan sampel dengan metode teknik pengambilan data dengan kuesioner atau yang disebut dengan instrumen penelitian. Hasil penelitian secara parsial menunjukkan bahwa variabel label halal dan kualitas produk berpengaruh signifkan terhadap minat beli obat pada Mahasiswa FEB UHAMKA. Mahasiswa FEB UHAMKA menganggap bahwa label Halal dan kualitas produk menjadi faktor yang diperhatikan ketika memilih obat-obatan yang akan dibeli. Secara simultan, semua variable label Halal (X1), dan kualitas produk (X2) berpengaruh secara signifikan terhadap variable dependent yaitu minat beli obat. Increased awareness of halal products makes interest in drugs with thayyib content and drugs with halal positioning indirectly reflecting the magnitude of the influence of religion in consumer decision making. This study discusses how much influence the halal label and the quality of medicinal products have on the drug buying interest of FEB UHAMKA students. The method used in this study is a quantitative method. The sampling method is the data collection technique using a questionnaire or what is called a research instrument. The results of the study partially show that the halal label variable and product quality have a significant effect on drug buying interest in FEB UHAMKA students. FEB UHAMKA students consider that Halal labels and product quality are factors to consider when choosing medicines to buy. Simultaneously, all Halal label variables (X1), and product quality (X2) significantly influence the dependent variable, namely drug buying interest.

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