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Contact Name
Fakhriyadi Ainiyah
Contact Email
fakhriyadi044@gmail.com
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+6285812783110
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fakhriyadi044@gmail.com
Editorial Address
Dsn. Agung Ds. Cagak Agung Rt.03 Rw.02 Kecamatan. Cerme Kabupaten. Gresik Jawa timur
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INDONESIA
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
ISSN : 23561866     EISSN : 26148838     DOI : -
Core Subject : Economy, Science,
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews. The spread of Islamic Economics include: 1. Islamic Finance and Capital Market 2. Islamic Banking 3. Management of Islamic Business and Entrepenuership 4. Islamic Financial Institution non Bank�
Articles 8 Documents
Search results for , issue "Vol 3, No 2 (2019)" : 8 Documents clear
INSTRUMEN BUNGA DAN BAGI HASIL DALAM DUNIA PERBANKAN Sujian Suretno
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (633.582 KB) | DOI: 10.30868/ad.v3i2.555

Abstract

This paper seeks to examine the concept of interest instruments in conventional banking and profit sharing instruments in Islamic banking and their implications for investment and financing for customers in the perspective of the principle of justice in the Islamic economy. This research uses the research library method, the researcher analyzes relevant secondary data related to this discussion, data sourced from journals, books and other reading material. This study uses a phenomenological approach to describe the overall problems of people who experience them directly, in this case are banks and customers. The results showed that the interest instruments at conventional banks tend to be more unfair because the flowering system at conventional banks does not look at the profit and loss of the businesses that are run, both businesses run by banks and businesses run by customers that require working capital financing, especially the impact usury which is very dangerous for the culprit. The profit sharing instrument at Islamic banks is based on the profit and loss of the business carried out by banks and customers are considered more equitable. Even though Islamic banks still have an expected bank rate of expectation, the standard benefits for the bank's business are to support the health of financial performance.
Dampak Zakat Terhadap Perubahan Tipologi Kemiskinan di Kota Palembang Dwi Septa Aryani; Yuni Rachmawati; Agung Anggoro Seto
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (732.594 KB) | DOI: 10.30868/ad.v3i2.522

Abstract

This research aims to find out if the charity had an impact on the change of the poverty of the typology recipient of zakat (Mustahik) in Palembang. The population in this research is all Mustahik in Palembang of 15.862 people. Sampling techniques using Accidental Sampling by the number of samples was determined as many as 200 respondents. The data type used is quantitative data. The primary data source, this research uses the Cibest Model, data analysis techniques using paired sample t-test. The results showed that the zakat to changes impacting the typology of poverty on Mustahik in the city of Palembang with Significance value 0.000. Where before accepting zakat, there are only two types of Mustahik poverty in the city of Palembang which is absolute poverty (poor material and spiritual) as much as 71.5%, and material poverty as much as 28.5%. However, after receiving zakat, Mustahik's type of poverty turned into material poverty as much as 54.5%, the absolute poverty of 24.0%, the spiritual poverty of 4.5% and there was 17% Mustahik who had been prosperous after receiving Zakat. This research also proves that zakat is effective to play a role in reducing the poverty of Mustahik in Palembang.
Pengaruh Saluran Distribusi Terhadap Volume Penjualan (Studi Kasus Pada PT. Sinar Sosro Cabang Rancaekek) Ajeng Setianingsih; Ade Latifah; Dini Safitri Ningrum; Devi Pebriani; Putri Ayu Ningtias; Rizqo Mardi
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (118.272 KB) | DOI: 10.30868/ad.v3i2.504

Abstract

ABSTRACTThe study was conducted to determine the activities of distribution channels, especially to what extent the influence of distribution channels on the volume of product sales of PT. Sinar Sosro Branch Rancaekek. The background of this research is the volume of product sales of PT. Rancaekek Branch Sosro Sinar experienced fluctuations, so it needed an analysis of the influence of distribution channels on the volume of product sales of PT. Sinar Sosro Branch Rancaekek. This study uses descriptive qualitative method, data collection through field research is done through observation, documentation, and interviews while research into the library is through various literature that has to do with the problem under study. The results of the discussion can be seen that the distribution channel affects the volume of product sales of PT. Sinar Sosro Rancaekek Branch.ABSTRAKPenelitian dilakukan untuk mengetahui kegiatan saluran distribusi terutama sampai sejauh mana pengaruh saluran distribusi terhadap volume penjualan produk PT. Sinar Sosro Cabang Rancaekek. Latar belakang penelitian ini adalah volume penjualan produk PT. Sinar Sosro Cabang Rancaekek yang mengalami fluktuatif, sehingga diperlukan adanya analisis mengenai pengaruh saluran distribusi terhadap volume penjualan produk PT. Sinar Sosro Cabang Rancaekek. Penelitian ini menggunakan metode kualitatif descript, pengumpulan data melalui penelitian lapangan dilakukan melalui observasi, dokumentasi, dan wawancara sedangkan penelitian ke perpustakaan yaitu melalui berbagai literatur yang ada kaitannya dengan masalah yang diteliti. Hasil pembahasan dapat diketahui bahwa saluran distribusi berpengaruh terhadap volume penjualan produk PT. Sinar Sosro Cabang Ranacekek.
Implementasi Fintech Syariah di PT. Investree Ditinjau Berdasarkan Fatwa DSN-MUI No : 117/DSN-MUI/II/2018 tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah Darmawansyah, Trisna Taufik; Aguspriyani, Yani
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (460.898 KB) | DOI: 10.30868/ad.v3i2.495

Abstract

Fintech di dunia digital diawali dengan kemajuan teknologi di bidang keuangan. Di Indonesia, perusahaan yang memanfaatkan fintech baru muncul beberapa tahun belakangan. Fintech mulai muncul pada bulan September tahun 2015 yang tergabung dalam Asosiasi Fintech Indonesia (AFI) yang bertujuan untuk menyelenggarakan partner bisnis dan membangun ekosistem fintech di Indonesia. Dalam waktu singkat tahun 2006-2007 mengalami perkembangan dari 7%-78%. Salah satunya yang ikut berkecimpung dalam dunia bisnis fintech adalah PT. Investree. Terkait perkembangan tersebut dapat di indikasi dalam penerapan implementasi fintech di Indonesia. Berdasarkan latar belakang, maka analisa permasalahan dirumuskan dalam bentuk pertanyaan berikut : Pertama, bagaimana konsep Fatwa DSN-MUI No: 117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah. Kedua, bagaimana implementasi produk Peer to peer lending (P2PL) di PT. Investree. Dan Ketiga, bagaimana tinjauan Fatwa DSN-MUI No: 117/DSN-MUI/II/2018 Tentang Layanan Pembiayaan Berbasis Teknologi Informasi Berdasarkan Prinsip Syariah terhadap P2PL di PT. Investree. Investree adalah sebuah perusahaan  fintech, yang menyediakan layanan perantara untuk proses peer to peer lending. Investree tidak turun langsung dalam aktivitas pinjam meminjam. Tetapi hanya menyediakan platform untuk memfasilitasi prosesnya, administrasi akun borrower dan lender. Investree melakukan inovasi dengan mengeluarkan produk berbasis syariah yang dikeluarkan sejak akhir tahun 2017. Beberapa produknya yaitu pembiayaan usaha syariah atau invoicefinancing syariah dan pembiayaan modal kerja (online sellerfinancing sharia). Produk invoicefinancing ini sudah sesuai dengan Fatwa DSN-MUI No.117/DSN-MUI/II/2018 karena produk invoicefinancing ini sama dengan anjak piutang/factoring. Produk Pemberian Modal Kerja juga sudah sesuai dengan Fatwa DSN-MUI No.117/DSN-MUI/II/2018.
KONSEP DAN IMPLEMENTASI TATA KELOLA PERUSAHAAN YANG BAIK PADA PERBANKAN SYARIAH DI INDONESIA Sugeng Priyono
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (953.629 KB) | DOI: 10.30868/ad.v3i2.553

Abstract

This study aims to examine the concepts and implementation of Good Corporate Governance (GCG) in Islamic banking in Indonesia. Corporate governance represents the principles of management that have actually existed in the history of human civilization and have been practiced since the first time there was a company. This research is a field research that is sharpened by literature. This research is descriptive in nature, seeks to examine GCG policies and find ideas for strengthening regulations in fulfilling sharia aspects and describing the implementation of GCG in Islamic banking in Indonesia. The method used in data analysis is a qualitative method, namely by presenting in the form of descriptions and concepts. The data obtained were analyzed by descriptive analysis techniques with deductive logic. The results of this research prove that the implementation of GCG on BMI has been implemented quite well, BSM is very good, and BNI Syariah is good. The management performance of Islamic banks, namely the implementation of GCG, consists of Transparency (Openness), Accountability, Responsibility, Professionalism, Independence, and Fairness, also committed with Sharia Compliance. GCG can form an Islamic work culture. Then a periodic and continuous assessment is carried out and strived to be carried out properly in accordance with regulations. The assessment shows that the implementation of GCG in BMI, BSM, and BNI Syariah is in accordance with the rules covering three aspects of governance; governance structure, governance process and governance outcome. The author's research focuses more on the concept and implementation of GCG in Islamic banking
IMPLEMENTATION OF STATE SUKUK BASED ON STATE ASSETS Aziz, Roikhan Mochamad; Yaumi, Anukhrija
Ad Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (729.241 KB) | DOI: 10.30868/ad.v3i2.516

Abstract

This study aims to analyze of Sukuk development based on underlying of State Own Property (BMN, Barang Milik Negara) in Indonesia with Islamic Perspective. The data used in this study is the secondary data and the method used Strong Weakness Opportunity Threat Reflexivity Religiosity (SWOTR2) analysis with the help of some literature as sources and interviews conducted during the study. The results of this study indicate that by the end of 2016, the value of Sukuk emission has reached 20,425.4 Billion Rupiah (USD 1,520). With the total of State Budget (APBN) Rp 2,152,695 Billion (USD 159,700), the market share of Sukuk in Indonesia in 2016 reaches 0.95%. To make Sukuk more growing, Indonesia has a new breakthrough by using state assets as an underlying asset in its issuance. However, the use of such underlying assets is only limited to state property (BMN), so it is necessary to extend the state assets used as underlying. Because the wealth of the state is not limited to the existence of a thing in the form of buildings, but also includes all the natural wealth attached to the asset.
Proses Screening Saham Syariah (Perspektif Akademisi dan Praktisi Ekonomi Syariah) Evan Hamzah Muchtar
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (572.715 KB) | DOI: 10.30868/ad.v3i2.534

Abstract

ABSTRACTSharia products in the capital market develop through a variety of sharia investment products that continue to increase in number and are supported by strong regulations, both in terms of the Financial Services Authority (OJK) and the National Sharia Council of the Indonesian Ulema Council (DSN MUI). The screening process for sharia shares includes two aspects that must be fulfilled by issuers in order to enter the sharia stock index, namely the qualitative and quantitative aspects. This paper will discuss problems that arise and raise debates among academics and Islamic practitioners in the screening process for stocks listed on the Islamic stock index.Keywords: screening, sharia sharesABSTRAKProduk syariah di pasar modal berkembang melalui beragam produk investasi syariah yang terus bertambah jumlahnya dan ditunjang dengan regulasi yang kuat, baik dari sisi Otoritas Jasa Keuangan (OJK) maupun dari Dewan Syariah Nasional Majelis Ulama Indonesia (DSN MUI). Proses screening terhadap saham syariah meliputi dua aspek yang harus dipenuhi emiten agar dapat masuk indeks saham syariah, yaitu aspek kualitatif dan aspek kuantitatif. Tulisan ini akan membahas permasalahan yang timbul dan memunculkan perdebatan di kalangan akademik dan praktisi Islam dalam proses screening terhadap saham yang terdaftar pada indeks saham syariah.Kata kunci: Screening, Saham Syariah
Usaha Bisnis E-commearce Perspektif Ekonomi Islam (studi pada bisnis @lisdasasirangan) Lisda Aisyah; Siti Achiria
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 3, No 2 (2019)
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (707.771 KB) | DOI: 10.30868/ad.v3i2.507

Abstract

E-commerce is a transaction which is referred to as an online transaction where this transaction uses cyberspace as a place to transact. A business that uses in the present era is not only modeled with the seller and the buyer makes a face-to-face transaction but can be done with an online business or called an e-commerce business.               The purpose of this study is to find out how the business e-commearce business perspective of Islamic economics. This study is a field research (qualitative research) that is qualitative descriptive and library library. The research subject is the owner of a business business @lisdasasirangan and the object of research is the application of a business venture e-commearce perspective of the market structure of Islamic economics. Data collection techniques with interviews are then processed with editing techniques, categorization and interpretation, then analyzed descriptively qualitatively to draw conclusions.               Based on research on business ventures e-commearce perspective of the market structure of Islamic economics. The e-commerce business is a market in the modern era that explores the global market. The e-commerce business will continue to grow along with the development of technology, technological developments not only develop in education but also in the economic field, namely in the field of market structure. The end of an e-commerce business can be compared to the online market. But in this type of online market, there are many sellers and buyers with various kinds of goods sold and offered so that this online market can be called a perfectly competitive market.

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