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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 176 Documents
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Determinan Ketergantungan Pedagang Muslim Pasar Tradisional Terhadap Kredit Rentenir Di Pasar Tradisional Bantul DIY Ayif Fathurrahman; Amirah Amirah
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp60-75

Abstract

The research aimed at analyzing market traders’ interest toward rentenir (money lender) loans. The subjects of the research were people as the source of information who could provide accurate data according to the condition and events that occurred at the area of the research. In this case, the subjects of the research were market traders at Pasar (market) Bantul. The samples were 100 respondents. The data analysis technique was Double Linear Regression. Based on the conducted analysis, the result illustrated that convenience had positive and significant influence toward market traders’ interest toward rentenir loans. Knowledge on religious matters had negative significant influence toward market traders’ interest toward rentenir loans and marketing had positive significant influence toward market traders’ interest toward rentenir loans.
Persepsi Masyarakat Terhadap Pemilihan Bank Syariah Hurian Kamela; Evony Silvino Violita; Miranti Kartika Dewi
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp60-75

Abstract

The purpose of this study is to study the views of the public who use conventional banks compared to Islamic Banks, also to give an assessment to the public about the choice of bank choice, to give an overview of making decisions related to people related to the selection of Islamic Banks, and to find reasons that support Indonesian people to choose a Sharia Bank. This research using questionnaire data of 126 people. The main points of this study consist of ability, attention, religious reasons (independent variable) and Consent (dependent variable). The outline of the results of this study is enough to study respondents' assessments of Islamic banks, for the highest relationship, on average many focus on questions on X2, Attention in the questionnaire are: Conventional banks are better than Sharia banks, The government must support Sharia banks, Facilities about Sharia Banks must be added, Sharia Bank Coverage (example: ATM) must added. This is the highest focus on the respondent in the view of Islamic banks on other questions.
Bank Infaq: Tinjauan Kritis Perspektif Fiqh Muamalah Muhammad Maulana Hamzah; Erwandi Tarmizi Anwar
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is2pp1-17

Abstract

Abstract Background: This study aims to examine the concept of Bank Infaq from Islamic Jurisprudence Perspective. Bank Infaq is an intermediate organization that organize the fund of charity to improve people’s prosperity using financing service. With short term, charity bank uses charity fund (tabarru’) as funding instrument and provides financing using single model contracts qordhul hasan. Method: This research uses phenomenology method and depth interview to capture the implementation of charity bank based on its operational procedure and normative descriptive is used to study muamalah and positive law related to contemporary practice above. The normative approach is carried out by reviewing sharia laws relating to the practice of charity Bank, especially in terms of sharia contracts. Result: The result shows for general charity bank has a good aim, concept and action to empower the low society using financial instrument, but its procedure still leave some issues in funding, amil’s right and financing. The result of this paper is not only describe and criticize the charity bank according to Islamic jurisprudence but also give some suggestions in sharia perspective to make it better and more barokah. Keywords: Bank Infaq; Funding; Tabarru’; Islamic Jurisprudence
Strategi Pengelolaan Zakat, Infak, dan Shadaqah di Fakultas Ekonomi dan Bisnis UHAMKA Tohirin Tohirin
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp18-30

Abstract

This study aims to find the ideal management model for zakat, infaq, and shadaqah (ZIS). The research object is the Laboratory of Social Entrepreneurship and Islamic Philanthropy (LKSFI), Faculty of Economics and Business, Prof. Muhammadiyah University. DR. Hamka (FEB-UHAMKA) Jakarta. This research uses a qualitative approach. Data Collection Techniques The technique used in collecting data in this study was in-depth interviews with several key informants, which consisted of: (1) LKSFI leaders, (2) LAZISMU-UHAMKA leaders, (3) ) Dean of FEB-UHAMKA, (4) LKSFI volunteers, (5) lecturers, (6) students, and (7) local communities, especially mustahiq and muzaki. As a support, observation and document analysis are used. The data analysis technique was carried out in three stages: data reduction, data presentation, and drawing conclusions. The final conclusion is that FEB-UHAMKA has an innovative strategy in managing zakat, infaq and shadaqah. Unlike ZIS gathering institutions in general, FEB-UHAMKA established an Islamic social entrepreneurship and philanthropy lab as a driving force then collaborated with LAZISMU-UHAMKA and Mini Bank in managing ZIS. The establishment of the lab has become a separate model that is relevant to the academic world so that it has received positive responses from various parties.
Teologi Filantropi Perspektif Buya HAMKA Muhammad Dwifajri
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (2020)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol4/is1pp31-45

Abstract

This study discusses the idea of HAMKA on the relationship between aqidah and philanthropy. As understands that Islam has four aspects; aqidah, ibadah, and mu’amalah and akhlak. Thoses aspects are inseparable. The purpose of the study is to argues that aqidah and philanthropy are also inseparable. This study applies a qualitative approach, based on literature review. Strictly speaking, in this context, aqidah (belief / faith) is closely related to action, including in philanthropic practice. According to HAMKA, faith must be proved in action and philanthropy activity to those are in need is manifestation of faith
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
Konsep Penghimpunan Dana Zakat Untuk Memberdayakan Ekonomi Umat: Studi Komparatif Antara Teori Sayyid Sabiq Dan Yusuf Qaradhawi Syamsuri syamsuri Syamsuri; Anwar Fatoni; Setiawan bin Lahuri
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 4 No. 1 (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

Zakat merupakan ibadah yang memiliki nilai sosial yang tinggi, bagian dari sistem moneter dan sosial Islam yang sangat penting dalam pemberdayaan, harmonisasi, dan kesejahteraan umat. Kedudukannya yang sangat strategis ini menuntut umat Islam untuk benar-benar memperhatikan dan mengupayakan penghimpunan dan pemberdayaannya secara maksimal. Zakat juga memiliki peran yang begitu luas. Salah satu peran yang dimiliki oleh zakat adalah peran terhadap pengurangan angka kemiskinan masyarakat. Zakat yang dihimpun dan dikelola secara profesional dapat menjadi produktif, dapat menciptakan lapangan kerja, membantu peningkatan kualitas SDM secara terencana, ikut mengembangkan usaha yang baik dari sudut pandang agama, dan lainnya. Sayyid Sabiq dan Yusuf Qaradhawi sepakat bahwa Negara memiliki kewajiban untuk menghimpun dan mengelola dana zakat. Bahkan jika ada muzakki yang lalai membayar zakat, Negara wajib mengambil paksa dana zakat tersebut dengan disertai denda. Dengan demikian, untuk memaksimalkan pengelolaan dana zakat, BAZNAS maupun LAZ hendaknya senantiasa memperbaiki kinerjanya sehingga kesejahteraan dapat merata ke seluruh lapisan masyarakat.
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.

Page 10 of 18 | Total Record : 176

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