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EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Published by STIE Syariah Indonesia Purwakarta
ISSN : 25992708     EISSN : 26548526     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Eksisbank Journal is open access published by the Sharia Economic Study Program and Syariah STIES Banking Indonesia Purwakarta. The main objective of Eksisbank is to provide a platform for scholars, academics and international researchers to share contemporary thoughts in the fields of accounting, taxation, sharia financial management, marketing management, Human Resource management, Islamic capital markets, strategic management, risk management, sharia economics , entrepreneurship, and the sharia banking business in the form of research results, feedback articles, and case reports. It also aims to promote sharia economic studies and Islamic banking, thereby becoming a leading international journal in the field of Islamic economics and Islamic banking in the world.
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Articles 143 Documents
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Analisis Implementasi Strategi Pengelolaan Cash Waqf Linked Sukuk Dalam Membangun Pemberdayaan Ekonomi Umat: Pendekatan Analytic Network Process (ANP) Suratman Suratman; Suharto Suharto; Nasruddin Nasruddin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 2 (2022): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v6i2.586

Abstract

Waqf has great potential to improve society’s welfare. Cash Waqf Linked Sukuk is one of the innovative instruments to develop waqf in Indonesia. Therefore, this study aims to develop a strategy for implementing CWLS management in supporting the economic development of the people in Indonesia. The Analytic Network Process (ANP) method with Super Decision Software is used in this study to identify problems, solutions, and management strategies for Cash Waqf Linked Sukuk (CWSL) in order to encourage economic empowerment of the people. The main challenges in dealing with Cash Waqf Linked Sukuk in Indonesia are regulatory issues, Sharia, trust, IT systems, and human resources. Sharia solutions, regulations, IT systems, trust, and HR solutions are all available to help manage CSWL. Transparency and accountability strategies, improving the quality of nazhir individuals and institutions, risk management, computerising waqf management, expanding socialisation of the benefits of Cash Waqf Sukuk, optimising investment and collaboration with stakeholders, collecting waqf through E-Waq, and the establishment of waqf educational institutions are some of the strategies that can be used to build the economic empowerment of the people in Indonesia
Pengaruh Produk Halal dan Wisata Halal dalam Meningkatkan Pendapatan Asli Daerah di Provinsi Banten Meri Lustianah; Dewi Rahmi Fauziah
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 2 (2022): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v6i2.675

Abstract

Banten Province is one of the provinces that has great opportunities and potential for the development of the quantity and quality of the halal industry. Apart from having many destinations that can be used as halal tourism objects, Banten also has many producers of halal goods and services. In addition, by strengthening the MSME halal industry through the use of digital technology, by increasing competitiveness. Equally important is expanding market access and facilitating access to capital as well as improving the quality of human resources (HR) based on Islamic economics and finance and increasing public literacy regarding the use of halal products in their daily lives. Based on this description, the formulation in this study is how is the effect of halal products in increasing Regional Original Income in Banten Province?; What is the influence of halal tourism in increasing Regional Original Income in Banten Province? This research method uses descriptive quantitative, where the research population is 100 people. Based on the results of the discussion on the effect of halal products in increasing local revenue in Banten Province, the t-statistic value for this hypothesis is 2.114 which is greater than 1.96, and the P-value is 0.035 or the P-value is less than 0. 05 or 5 percent. This means that there is a significant effect of strengthening halal products on increasing local revenue (PAD) in Banten Province. Furthermore, the original sample table was 0.220, meaning that the Halal Product Strengthening variable had an effect on increasing local revenue by 22%, while the remaining 78% was determined by other factors not examined in the current study. The second hypothesis, the obtained T-statistic value of 1.966 is greater than 1.96. Likewise with the P-value of 0.050, this value is still above or equal to 0.05. This means that the variable strengthening halal tourism has an effect on increasing local revenue (PAD) in Banten Province. The magnitude of the influence is 21.8 percent, while the remaining 78.2 percent is determined by other factors not examined in the current study. The results of this study are in line with research (Rahman et al., 2021) which clearly states that the sharia tourism sector is believed to be able to improve the local community's economy.
Rahn (Gadai) Dalam Perspektif Tafsir Dan Hadits Serta Implementasinya Pada Lembaga Pegadaian Syariah Sumiati Sumiati; Ahmad Damiri; Ending Solehudin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v6i1.757

Abstract

The writing of this article is based on the idea that Sharia economic law is part of the Islamic legal system which originates from the Koran and al-hadith. The purpose of this study is to find out the opinion of scholars about the interpretation of QS. Al-Baqarah paragraph 283, and to find out the suitability of the interpretation of QS. Al-baqarah verse 283 with the Rahn concept in the Sharia Pawnshop Institution. The type of research used is library research. The results of this study stated 1). Rahn is making an item that has an asset value in the view of syara' as collateral for a debt, which makes it possible to take all or part of the debt from the item, this is also in line with Article 1150 of the Civil Code. Textually Rahn is contained in the Al-Qur'an Surah Al-Baqarah Verse 283, in this verse some of the salaf scholars say that the pawning law is not enforced except when traveling, but in general the scholars are of the opinion that the content of this verse does not require that collateral is only permissible on trips, muamalah transactions not in cash, and also there is no one who is used as a writer. However, basically this paragraph only requires that in such conditions muamalah activities may be carried out by providing a guarantee. 2). The practice of pawning at Islamic pawnshops refers to the Fatwa of the National Sharia Council number: 25/DSN-MUI/III/2002 dated June 26 2002 concerning rahn and is declared to have conformity with Sharia principles, as well as technically refers to OJK Regulation Number 31/Pojk.05 /2016 Concerning Pawn Business.
Magnet Analisa Fundamental Di Kalangan Mahasiswa Generasi Z Menjadi Investor GISBEI IAIN Syekh Nurjati Cirebon Selasi, Dini; Vidiati, Cory; Munajim, Ahmad; Pratama, Gama; Ridwan, Muhammad; Kasnawi, Kasnawic
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.692

Abstract

This research is motivated by the development of investors among students in managing finances, namely by investing in Islamic stock investments. This study aims to find out how the fundamental strategy is carried out by students at IAIN Syekh Nurjati Cirebon. The research method used is qualitative research using interviews, observation and qualitative descriptive data analysis techniques. The results of this study are that there are several fundamental techniques used in trading Islamic stocks, namely by looking at news related to the development and performance of the company, the company's financial statements, the use of SOTS and RTI Business applications. The conclusion in this study is that in using fundamental analysis, students will use different strategies and are tailored to their respective investment goals.
Determinasi Pembiayaan Bermasalah Menggunakan Maqosid Syariah Index (Studi Terhadap BMT Di Kota Tasikmalaya) Mardani, Dede Aji; Mahmudin, Wildan; Muflihah, Rini
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.713

Abstract

Baitul Mall Wa Tamwil (BMT) is a micro-level financial institution that operates as an intermediary for Muslim communities in particular and society in general for business sustainability and welfare. The purpose of this research is to analyze the factors that cause problematic financing at BMT in Tasikmalaya City using the Maqodid Syariah Index (MSI) method. The method used is qualitative with a descriptive concept where researchers go to the field by making observations, interviews involving seven BMT leaders in Tasikmalaya City. The approach method used is the Maqosid Syariah Index (MSI) which measures in terms of Tahzib Al Fardi, Iqamah Al Adalah, Jalb Al Maslahah. The results of this study indicate that BMT has difficulty in meeting its liquidity. There are two factors that cause problematic financing, namely internal factors including negligence of the financing examiner, the existence of a fraud attitude of employees, misappropriation of funds by the management, not using collateral, weaknesses in inspection and others. Meanwhile, external factors are customer defaults, lack of guidance and customer assistance, unwillingness to pay, bad business, fictitious domicile, the covid-19 epidemic which causes congestion in business. Even so, the BMT still considers the need for maqosid Sharia in running its business.
Peran Pondok Pesantren Al-Zaytun Dalam Meningkatkan Ekonomi Masyarakat Sekitar Prawoto, Imam; Anisa, Fitri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.715

Abstract

Educational institutions in Indonesia consist of various types, one of which is Islamic boarding schools. Islamic boarding schools are the oldest Islamic educational institutions in Indonesia. The majority of Muslims in Indonesia have established many Islamic boarding schools in this country. The current role of Islamic boarding schools is not only as educational institutions, but also as institutions that can increase economic value through programs contained in Islamic boarding schools. The purpose of this study was to find out and analyze the role of the Ma'had Al-Zaytun Islamic boarding school in improving the economy of the surrounding community. This research was conducted at al-Zaytun Islamic Boarding School. This research is a descriptive qualitative research. Data sources were obtained from interviews, observations, and literature studies related to the research topic. The results of this study found that in addition to being an Islamic educational institution, the Al-Zaytun Islamic boarding school also has considerable resources, so that with these resources the Al-Zaytun Islamic boarding school can carry out various activities, one of which has economic centers both in agriculture, animal husbandry, fishery and cooperatives that can help improve the economy of the Al-Zaytun community and the surrounding community, such as providing loans and capital from the Ma'had Al-Zaytun Islamic boarding school cooperative; P3KPI provides land and capital for those who want to farm with a profit sharing system from the harvests obtained; Providing employment for the surrounding community, especially to manage Ma'had Al-Zaytun's agriculture and plantations; and distribution of harakah zakat and harakah Qurban to the community around the Islamic boarding school.
Analisis Pengaruh Pembiayaan Murabahah dan Musyarakah Terhadap Profitabilitas Bank Syariah Di Indonesia Periode 2019-2021 Aminulloh, Ali; Khoirun Khasanah, Nur Laila; Zaytun, Nurul
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.762

Abstract

Banking is one of the Islamic financial instruments that plays an important role in developing the people's economy through various types of financing based on sharia principles. Murabaha and musyarakah financing are types of financing in Islamic banks which are a favorite among the public. The author wants to reveal how big the contribution made by the two financing is to the profitability of Islamic banks in Indonesia. The purpose of this research is to determine the significant effect of murabaha and musyarakah financing, both partially and simultaneously on the profitability of Islamic banks in Indonesia in the 2019-2021 period. The methodology used is a descriptive quantitative approach with data analysis techniques using multiple linear regression. The data collection technique uses documentation techniques where the data is oriented to secondary data which will then be processed with SPSS 25 software. The results of this study found that: the significance level test was 0.000 and the ttest result was 4.450. So the significance level is 0.000 <0.05 and the tcount > ttable (4.450 > 2.035) means that Ha is accepted and Ho is rejected. The results of the multiple linear regression test show a number of 0.228 (positive value) for the Murabahah variable so that it can be said that Murabahah financing is positively related to profitability, the test results at a significance level of 0.000 and the t-test results are 4.568. Then the significance level is 0.000 <0.05 and the tcount > ttable (4.568 > 2.035) means that Ha is accepted and Ho is rejected and the results of the multiple linear regression test show the number 0.228 (positive value) for the Murabahah variable so that it can be said that Murabahah financing is positively related with profitability. The results of the significance level test were 0.000 and the t-count test results were 10.591. So the significance level is 0.000 <0.05 and the tcount > ttable (10.591 > 3.275) means that Ha is accepted and Ho is rejected. This states that murabaha and musyarakah financing have a significant effect on profitability.
Pengaruh Persepsi dan Pengetahuan Masyarakat Terhadap Minat Menjadi Nasabah Bank Syariah Lestari, Novieati Dwi; Masruchin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.771

Abstract

The potential for the development of Islamic banks in Sidoarjo Regency is very large because there are 18 sub-districts with a majority of Muslim populations, one of which is Sukodono. However, the amount of potential is not in line with the growth of Islamic banking. This is due to the low perception of Muslims towards Islamic banking, which is due to the lack of knowledge about the Islamic banking system which ultimately has an impact on the low interest in becoming Islamic banking customers. The purpose of this study is to determine and test the influence of public perception and knowledge on interest in becoming Islamic bank customers. This study used quantitative methods by giving questionnaires to 103 people in Sukodono District. The results of the study were processed using SPSS software version 22 which showed that perception directly affects interest in becoming Islamic bank customers with significance value (0.00 < 0.05), public knowledge directly affects interest in becoming Islamic bank customers with significance value (0.00 < 0.05) and public perception and knowledge simultaneously affect interest in becoming Islamic bank customers with significance value (0.00 < 0.05). Thus, it can be interpreted that the influence of public perception and knowledge on interest in becoming Islamic bank customers is 69,9% while the remaining 31,1% is influenced by other variables.
Analisis Prosedur Dan Persyaratan Pembiayaan Mudharabah di Bank Syariah Indonesia KCP Ujung Berung1 Tiyana, Tasya; Husnah, Rofikotul; Rosinawati, Dian
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.773

Abstract

The distribution of financing is provided by the bank to anyone who needs it, both for individuals and the business world, by taking into account two principles, namely trust and prudence (prudent banking principle). The bank will ask for guarantees in order to ensure the ability and ability of its customers to pay off debts according to the agreed contract. In operation, the requirement to provide this guarantee is to ensure that the mudharib does not make any deviations in managing the funds provided by the bank. The purpose of this study was to find out the procedures and requirements for mudharabah financing at the Indonesian Sharia Bank KCP Ujung Berung1. The method used in this study uses a qualitative approach. The results of this study are that the procedures and requirements for mudharabah financing at Bank Syariah Indonesia KCP Ujung Berung1 comply with the provisions of fatwa 07/DSN-MUI/IV/2000 concerning Mudharabah Financing, and OJK standards regarding mudharabah financing. Mudharabah financing requirements with the flow of inspection as follows: a) The business feasibility of the customer is in accordance with BSI provisions; b) Mudharabah financing will be processed if the account officer and Branch Manager meet the requirements, and contact the prospective mudharib to determine when to review the business location and collateral location; c) The account officer prepares a financing analysis report, visit data, collateral review results; d) Analysis of mudharabah financing carried out according to procedures using the "5C" principle; e) The decision on the application for financing is given after the submission of the application for financing is deemed feasible to be financed'; f) Mudharabah Financing Agreement, g) Disbursement of Mudharabah Financing is carried out after the contract process is completed, either with the mudharib or with other parties, namely Notaries and insurance parties; h) Supervision in the management of financing from the provision of financing to repayment by the customer. i) Return of Mudharabah Financing
Pengaruh Financial Literacy Terhadap Minat Masyarakat Menggunakan Produk Perbankan PT. BPR Araya Arta Wahyuningsih, Sri; Sutriningsih, Sutriningsih; Triana, Endang Syta
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.777

Abstract

Understanding of financial literacy needs to be constantly improved in order to create opportunities for financial transactions in the banking world. Financial literacy education for the community plays an important role in banking because financial literacy will help the community in good financial management to avoid financial problems. Corona Virus 19 has an impact on the banking sector due to restrictions. The aim is to determine the effect of financial literacy on people's interest in using banking products. The population of this research is PT. Deposits at BPR Araya Arta for the last two years. The method used is descriptive quantitative with a sample of 100 respondents taken by purposive sampling. The analytical tool used is simple linear analysis with the help of the SPSS 25 program. The results of this study indicate that there is a significant influence between financial literacy and interest in PT. BPR Araya Arta is 31.7%, which means that financial literacy will have an impact on the use of products and services or transactions in financial institutions.

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