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INDONESIA
KHOZANA: Jurnal Ekonomi dan Perbankan Islam
ISSN : 2614879     EISSN : 26148625     DOI : -
Core Subject : Economy,
JURNAL KHOZANA adalah jurnal berkala Ilmiah yang diterbitkan oleh Sekolah Tinggi Ekonomi dan Bisnis Islam Darusalam. Jurnal Khozana memuat artikel hasil penelitian maupun artikel konseptual (baik kualitatif lapangan atau kualitatif pustaka) dengan fokus kajian di bidang “Ekonomi dan Perbankan”. Pengelola (Redaksi) mengundang para ilmuan, akademisi, praktisi, peneliti, LSM maupun mahasiswa untuk mengembangkan keilmuan dan mempublikasi hasil penelitiannya setelah melalui mekanisme seleksi naskah, telaah mitra bestari, dan proses penyuntingan.
Arjuna Subject : -
Articles 34 Documents
PENGARUH DIVERSITAS GENDER DAN KEBANGSAAN DEWAN DIREKSI DAN KOMISARIS TERHADAP PENGUNGKAPAN CORPORATE SOCIAL RESPONSIBILITY Pajaria, Yusiresita
KHOZANA: Journal of Islamic Economic and Banking Vol 3 No 1: January 2020
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh diversitas dewan direksi dan komisaris yang terdiri dari diversitas gender, diversitas kebangsaan, terhadap pengungkapan Corporate Sosial Responsibility (CSR). Perusahaan sektor manufaktur  yang terdaftar di Bursa Efek Indonesia tahun 2016-2018 digunakan sebagai sampel dalam penelitian ini. Pemilihan sampel dilakukan dengan metode purposive sampling dan diperoleh 62 perusahaan dengan jumlah pengamatan sebanyak 186. Teknik analisis data yang digunakan adalah analisis regresi linier berganda. Berdasarkan Fhitung sebesar  3,045 dengan signifikansi sebesar 0,000 lebih kecil dari 0,05. Hal ini menunjukkan bahwa semua variabel bebas secara simultan merupakan penjelas yang signifikan pada variabel terikat, sehingga model yang digunakan untuk penelitian layak (fit). Dalam uji parsial (uji t) untuk mengetahui apakah variabel bebas gender dan kebangsaan secara parsial atau sendiri-sendiri berpengaruh terhadap variabel terikat CSR. Hasil pengujian menunjukkan bahwa diversitas gender dan diversitas kebangsaan berpengaruh positif terhadap pengungkapan Corporate Sosial Responsibility (CSR) secara simultan maupun parsial.
ANALISIS HUKUM BITCOIN DALAM PERSPEKTIF FATWA MUI NO: 116/DSN-MUI/IX/2017 TENTANG UANG ELEKTRONIK SYARIAH yusup, Muhammad
KHOZANA: Journal of Islamic Economic and Banking Vol 3 No 1: January 2020
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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Abstract

Tesis ini berjudul ?Analisis Hukum Bitcoin dalam Perspektif Fatwa MUI No: 116/DSN- MUI/IX/2017 Tentang Uang Elektronik Syariah?. Penelitian ini dilatarbekalangi penggunaan Bitcoin sebagai alat transaksi digital, maka pada tahun 2017 DSN-MUI mengeluarkan Fatwa yang tertuang pada Fatwa DSN-MUI Nomor 116/DSNMUI/IX/2017 tentang Uang Elektronik Syariah. Hadirnya fatwa tersebut diiringi langkah Bank Indonesia dalam bebenah untuk memperbarui segala peraturan mengenai uang elektronik terutama dari segi peraturan, tepat pada tanggal 07 Mei 2018 Bank Indonesia penerbitkan peraturan tentang Uang elektronik No. 20/6/PBI/2018. Tujuan penelitian ini adalah untuk menganalisis praktik Bitcoin di Indonesia, dan menganalisis tinjauan hukum Bitcoin menurut Fatwa No. 116/DSN-MUI/IX/2017 tentang uang elektronik syariah dalam perspektif magasid al-syari?ah. Jenis penelitian ini adalah studi kepustakaan, dengan data berupa transkrip Fatwa MUI No: 116/DSN-MUI/IX/2017 tentang Uang Elektronik Syariah. Subjek penelitian adalah dalil-dalil yang digunakan dalam merumuskan fatwa. Data yang diperoleh dianalisis content analysis. Hasil penelitian menyimpulkan: Pertama, tinjauan hukum bitcoin menurut Fatwa No. 116/DSN-MUI/IX/2017 tentang uang Elektronik Syariah dalam perspektif maqashid syariah dilarang (haram) karena mengandung maysir (perjudian). Dominan transaksi bitcoin bertujuan untuk investasi dengan memanfaatkan fluktuasi nilai bitcoin yang selalu naik turun dengan cara membeli pada harga rendah dan menjual pada harga tinggi. Dengan demikian, dapat dinyatakan bahwa bitcoin tidak bisa menjadi uang elektronik syariah dalam ketentuan fatwa MUI No. 116/DSN-MUI/IX/2017 tentang Uang Elektronik Syariah. Kedua, tinjauan hukum bitcoin dalam Peraturan Bank Indonesia No. 20/6/PBI/2018 tentang Uang Elektronik dinyatakan bahwa: bitcoin bukan merupakan mata uang dalam satuan Rupiah, nilai tukarnya sangat fluktuatif sehingga rentan terhadap risiko bubble (penggelembungan), tidak ada otoritas yang bertanggung jawab dan tidak ada administor resmi, tidak terdapat underlying asset yang mendasari harga bitcoin, dan rendahnya perlindungan konsumen.
PERILAKU KONSUMEN DALAM MENGGUNAKAN E-COMMERCE PADA MASA PANDEMI COVID-19 DI TINJAU DARI PERSPEKTIF EKONOMI ISLAM ., Bayu
KHOZANA: Journal of Islamic Economic and Banking Vol. 3 No. 2. (July 2020)
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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This study aims to find out how concumers behavior in the people in Blambangan Umpu Village, Way Kanan District in using e-commerce transactions during the Covid-19 pandemic, viewed from an Islamic economic perspective. This type of research uses a qualitative descriptive approach with primary and secondary data types taken through interviews, documentation and literature studies. The results of this study concluded that consumer behavior in the community in Blambangan Umpu Village Way Kanan District was active in using e-commerce transaction. People are more likely to use e-commerce transactions to meet primary or dharurriyat needs aimed at obtaining blessings and benefits. The frequency of e-commerce usage in the Blambangan Umpu District continued to increase significantly during the Covid-19 pandemic.
PENGARUH KOMPETENSI DAN IKLIM ORGANISASI DALAM PENERAPAN APLIKASI SAP TERHADAP KEPUASAN PENGGUNA DI PT. SEMEN BATURAJA Prayuda, Randy; Zamzam, Fakhry; Setiawan, Herri
KHOZANA: Journal of Islamic Economic and Banking Vol. 3 No. 2. (July 2020)
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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This research particularly aims to reach The Influence of Competence and Organizational Climate in the Application of SAP Application Methods to User’s Satisfaction in Division Operation 1 and Division Operation 2 PT. Semen Baturaja (Persero), Tbk Baturaja Site. The purpose of this study specifically to obtain the results of the analysis of the influence of competence and organizational climate in the application of the System Application and Product in Data Processing (SAP) application methods to user satisfaction in Division Operation 1 and Division Operation 2 of PT Semen Baturaja (Persero) Tbk Site Baturaja, both partially or simultaneously. This research is quantitative research with explanatory methods and survey research methods. While based on the purpose of this study is to test the hypothesis with a survey and explain the causal relationship between variables, namely competence, organizational climate, and test on user satisfaction. The data analysis tool used by researchers is SmartPLS version 3.0. The results showed that competency and organizational climate simultaneously did not have a positive effect on SAP user satisfaction with an original sample value of 0.19 but the t-count value was smaller than the t-table, namely (1.30 <1.666), whereas The partial competence variable has a a positive relationship, this is evidenced by the t-count value is greater than the t-table (1.75> 1.666) and the original sample value is positive at 0.18 and the organizational climate variable also affects SAP user satisfaction in Division Operation 1 and 2 PT Semen Baturaja (Persero) with the t-count value greater than the t-table, namely (5.22> 1.666) and a positive original sample value of 0.65.
PENGARUH PERSEPSI BAGI HASIL TERHADAP MINAT MENABUNG DI BANK BNI SYARIAH KCP PALEMBANG Pajaria, Yusiresita; Lestari, Ria
KHOZANA: Journal of Islamic Economic and Banking Vol. 3 No. 2. (July 2020)
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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This study examines the effect of the perception of profit sharing on the interest in saving at the BNI Syariah KCP Palembang bank. The purpose of this study was to determine and explain how the perception of profit sharing affects the interest in saving at the BNI Syariah KCP Palembang bank. This research is a quantitative research with the data source used is questionnaire data. The number of samples used in the study were 100 respondents, the sampling technique was accidental sampling technique. The method used in this research is simple linear regression analysis. The results showed that the profit sharing perception variable had a significant positive effect on the interest in saving at the BNI Syariah KCP Palembang bank, this was evidenced by the partial test results which showed that the value of tcount> ttable (2.569> 1.98447) and a significant value of 0.012 <0, 05.
STRATEGI PEMASARAN PRODUK PEMBIAYAAN DENGAN ANALISIS SWOT Asnawi, Habib Shulton; Suhendri, Aan; Ambariyani, Ambariyani
KHOZANA: Journal of Islamic Economic and Banking Vol. 3 No. 2. (July 2020)
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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Marketing strategy is the spearhead for a financial institution to introduce and market the advantages of its products. Marketing strategy can be done by using a marketing mix strategy which is a tool for marketers consisting of various elements of marketing programs such as product, price, place and promotion. In this study, the authors formulated the problem of how the marketing strategy for financing products at BMT Assyafi'iyah Berkah Nasional Pekalongan East Lampung branch and how the marketing strategy through SWOT analysis on mudharabah financing products at BMT Assyafi'iyah Berkah Nasional Pekalongan branch, East Lampung. To obtain the data in this study, the researchers used several research methods, namely this type of research using field research. The data source of this research uses primary, secondary and tertiary data sources. Meanwhile, the data collection method uses observation, interviews and documentation and uses the Snawoball sampling method and questionnaire. The result of this research is the marketing strategy applied to BMT Assyafi'iyah Pekalongan East Lampung Branch, namely using product marketing strategies, price, place, and promotion. The result of the SWOT analysis above shows that BMT Assyafi'iyah Pekalongan East Lampung Branch shows at the quadrant II level by means of a diversification strategy.
PENGARUH KOMPETENSI, KOMPENSASI DAN KINERJA TERHADAP PENGEMBANGAN KARIER DI PT SEMEN BATURAJA Yunus, Muhammad; Zamzam, Fakhry; Hildayanti, Siti Komariah
KHOZANA: Journal of Islamic Economic and Banking Vol. 3 No. 2. (July 2020)
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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The purpose of this study is specifically to obtain the results of the analysis of factors that affect employee career development such as competency, compensation and performance variables for employees of the Marketing Directorate of PT Semen Baturaja (Persero) Tbk, either partially or simultaneously. This thesis research uses a quantitative approach with a confirmative survey method that is descriptive and verification. Where verification research is carried out to test the hypothesis, while descriptive to describe the variables studied. Meanwhile, based on the objective, this research uses descriptive and experimental research methods. The population of this study were 112 employees at the Marketing Directorate of PT Semen Baturaja (Persero) Tbk who as a whole were sampled. Data processing using analysis tools SPSS version 25. Testing data using the t test, that the competency variable proves that partially competence does not have a positive and significant effect on career development with a tcount of -0.145 where <of t table (0.05, n-2) 1.98177 and the significance value (Sig) 0.885 where> from the probability of 0.05; then partially compensation has a positive and significant effect on Career Development with a tcount value of 6.318 which is greater than t table (0.05, n-2) 1.98177 and a significance value (Sig) 0.000 which is smaller than the probability 0.05 and Partial performance also has a positive and significant effect on career development with a t-count value of 3.588 which is greater than t-table (0.05, n-2) 1.98177 and a significance value (Sig) of 0.001 which is smaller than the probability of 0.05. The results of the analysis of the F test of competency, compensation and performance variables simultaneously get an F value of 57.785 where this value is greater than the F-table value (2, n-2) which is 2.69 and a significance value (Sig) of 0.000 which is smaller than the probability of 0, 05. The results of the analysis prove that simultaneously competence, compensation and performance have a positive and significant effect on career development.
ANALISIS PERBANDINGAN KINERJA REKSADANA SAHAM SYARIAH DAN REKSADANA SAHAM KONVENSIONAL Gafar, Muammar Saidul; jasman, jasman
KHOZANA: Journal of Islamic Economic and Banking Vol. 3 No. 2. (July 2020)
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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The purpose of this research is to determine the comparative analysis between the performance of sharia equity mutual funds and conventional equity mutual funds in Indonesia Stock Exchange. Sampling methods that the authors do by using purposive sampling are listed in the Indonesia Stock Exchange during the period from 2011 to 2015. Retrieved 23 samples consisted of mutual fund shares 6 sharia equity mutual funds and 17 conventional equity mutual funds. Data analysis techniques using normality test to determine the level of distribution of data was donwloaded, and then data was analyzed with independent sample t test. Based on analysis of data, I do that there are two different methods of calculation the performance with the Sharpe method and Jensen Alpha method and a method of no differ the performance of sharia equity mutual funds and conventional equity mutual funds at the Treynor method. Based on the test results Independent sample t test of Sharpe methods significant value of the comparative performance of Islamic equity mutual fund and conventional equity mutual fund is 0,014, meaning that there is a significant difference performance of sharia equity mutual fund and conventional equity mutual funds. The test results of independent samples t test method Treynor significant value of mutual fund performance comparison of Islamic and conventional equity mutual fund is 0.386, the meaning that there is no significant difference in the performance of sharia equity mutual funds and conventional equity mutual funds. And Jensen Alpha method calculation results using independent test sample t test, significant value is 0.023, the meaning that there is a significant difference between the performance of sharia equity mutual funds and conventional equity mutual fund.
PENGARUH INFLASI DAN NILAI TUKAR RUPIAH TERHADAP INDEKS SAHAM SYARIAH INDONESIA ( ISSI ) DI BURSA EFEK INDONESIA TAHUN 2015 - 2019 As'ari, Erham; Marfudin, Marfudin; Arifin, Nandang Syamsul; Supadi, Supadi
KHOZANA: Journal of Islamic Economic and Banking Vol. 4 No.1 Tahun 2021
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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Influence of Inflation and the exchange Rate of the Rupiah on the Indonesia Sharia (ISSI) stock index in the indonesia stock exchange (BEI) in 2015 - 2019. This research is a quantitative study using secondary data collection methods, the data obtained is then processed using the Eviews tool version 11. Analytical techniques used were linear regression, while hypothesis test used t - test and F test with significance level of 5%. The classical assumptions test used in this study include normality, multicollinearity, heteroscedasticity and autocorrelation test. The results of this study that T-test shows that the influence of inflation variable, partially positive effect is not significant to the Indonesian Islamic stock index (ISSI), while the influence of the rupiah exchange rate variable (exchange rate), has a non-significant negative effect on the Islamic stock index Indonesia (ISSI). The F test shows that the influence of inflation variables and the exchange rate of the rupiah (exchange rate) simultaneously have a significant effect on the Indonesian Islamic stock index (ISSI).
DETERMINASI MAKROEKONOMI TERHADAP HARGA SAHAM SEKTOR PERTAMBANGAN DI INDONESIA Putra, Angga; As’ari, Erham; Fadhi, Khoirul
KHOZANA: Journal of Islamic Economic and Banking Vol. 4 No.1 Tahun 2021
Publisher : Sekolah Tinggi Ekonomi Dan Bisnis Islam Darussalam

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This research is about the effect of the BI Rate, Exchange Rate, Industrial Production Index (IPI) and World Oil Prices on the share price of the mining sector in the Indonesian Syariah Stock Index (ISSI). The research objective is to determine the magnitude of the effect of the BI Rate, Exchange Rate, Industrial Production Index (IPI) and World Oil Prices on ISSI mining sector stock price fluctuations and the magnitude of the effect of each of these variables on each entity. The data used is panel data consisting of monthly data from June 2011 to December 2018. The author estimates the independent variables in the form of the BI Rate, Exchange Rate, Industrial Production Index (IPI) and World Oil Prices to the mining sector stock prices at ISSI using regression estimates Fixed Effect Model (FEM). The results showed that the variable BI Rate, IPI and world oil prices significantly influence the stock price of the mining sector at ISSI. While the exchange rate has no significant negative effect.

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