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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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Dialog Pemikiran Tentang Norma Riba, Bunga Bank, Dan Bagi Hasil Di Era Revolusi Industri 4.0 Hisam Ahyani; Muharir
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): 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.v4i2.140

Abstract

ABSTRACT - This study aims first, to determine the concept of norms in usury norms, bank interest, and profit sharing among scholars in the era of the industrial revolution 4.0. Second, to find out the comparison between the profit sharing system in syari'ah banking with the interest system in conventional banking in the past and present perspective of the Ulama in the Industrial Revolution 4.0 Era. Third, to determine the impact of bank interest (usury) on the country's economy in the era of the industrial revolution 4.0. This type of research is included in the category of normative legal research. The method used in this research is library research, with a qualitative research methodology, using a statutory approach, a historical approach, a comparative approach and a conceptual approach. This research found that the Norma of Riba in Islamic Economics is a khilafiyah problem as well as the law of Bank Interest, in principle, mutual tolerance and mutual respect and respect for inter-opinions must be put forward. This is because each group of ulama has devoted their energy to seeking the law of the problem, and in the end their opinion remains different. Profit sharing norms in Islamic economics are an innovative step in an Islamic economy that is not only in accordance with people's behavior, but more than that profit sharing is a social balance step in obtaining economic opportunities. Thus, the profit sharing system can be seen as a more effective measure to prevent conflict between the rich and the poor from occurring in social life. The impact of Bank Interest (Riba) on the Country's Economy, among others, has an impact on several sectors including the Economic Impact. Social Impact, the social impact of society related to Riba in terms of unfair income. Impact of Company Resilience, only companies that have resilience will survive. Keywords: Riba, Profit Sharing, Economic Impact, Industrial Revolution Era 4.0
Akad Tabarru’ Pada Pengolahan Limbah Industri di Desa Wantilan Kecamatan Cipeundeuy Subang Widaningsih; Rina Nurhayati; Siti Rohmat
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): 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.v5i1.146

Abstract

In order to reduce waste and optimize existing potential, the Wantilan Village Government manages waste from industry in the form of rope waste into creative handicraft products and has economic value. Through the Family Welfare Trustees (PKK) in Wantilan Village, the waste rope that was previously trash has now been transformed into a bag, a place for tissue, flower pots and others. The community as craftsmen certainly has additional income from these handicraft products so that this program can certainly increase the income of the community, especially the craftswomen. The purpose of this study was to find out the practice of tabarru' contracts in industrial waste treatment in Wantilan Village, Cipeundeuy District, Subang Regency, to find out industrial waste treatment carried out in Wantilan Village, Cipeundeuy District in the view of Islamic Economics, and to find out the benefits of tabarru' contracts for anayaman craftsmen. Wantilan Village, Cieundeuy District, Subang Regency. The type of research used is field research, while the approach used in this research is a descriptive-qualitative approach. The practice of processing industrial waste in Wantilan village is a tabarru contract with a monetary contribution of IDR 10,000 per sack. In industrial waste treatment in Wantilan Village, there are two tabarru' contracts in the form of giving something, namely a grant contract that is in accordance with sharia provisions. The benefits of the Tabarru' contract that have been carried out include the profit from the sale of handicrafts is quite large because craftsmen do not need to buy raw materials, craftsmen can easily get raw materials because they have been provided by the manager, tools or general expenses needed by the PKK for mutual progress in pay from tabarru' funds, as for these needs including: making hangtags, exhibition needs, purchasing raw materials to the company.
Studi Kajian Bisnis Tambang Uang Digital (Cryptomining) Dalam Konteks Ijarah Mochammad Ichsan Maulana; Asep Dede Kurnia; Ayi Nurbaeti
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): 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.v5i1.158

Abstract

Industrial revolution 4.0 bring up a new digital currency called cryptocurrency. This also brings a miners who works as an intermediaries to validate each transaction. This research aims to; Explain the Cryptomining, as well as an analysis of points in the Ijarah contract that are relevant to the activities. As for the step by step to mine the coins are as follows; assembling mining rigs, filtering coins, setting up applications, selecting the pools, then proceeding to mine along with routine maintenance, until finally receiving a reward. The study was conducted using a qualitative methods. Researcher collects data by acting as one of the cryptominer. Researcher took most references in the MUI fatwas to conduct analysis, as well as developing of hypotheses in the equalization of the Ijarah covenant towards the process in the Cryptomining activities. The results of this study show that the activities of Cryptomining, are mostly in accordance with the terms of the Ijarah contract. The Miners are equated with Mu'jir, cryptocurrency users as musta'jir, transactions that are processed as benefits, and prizes as ujrah. The mining activity itself is a muamalah activity which is mostly carried out digitally through internet media. Even so, there is still confusion in the terms of payment of the ujrah. Among other things like 'cash as the required payment'. The provisions provided at MUI DSN NO: 28 / DSN-MUI / III / 2002 about money trades, (which in this case relates to the media of the ujrah payment). More on this matter requires ijtihad from clerics, especially DSN MUI.
Pengaruh Product, Price, Place Dan Promotion Terhadap Keputusan Nasabah Simpanan Fleximax Di PT. Bank Panin Dubai Syariah KCU Bandung Gina Sakinah; Ade Ponirah; Intan Nurjanah
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): 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.v5i1.161

Abstract

Companies are required to be able to compete in the world of marketing. Because the heart of the company lies in the world of marketing. In order for the company's operations to run smoothly, the marketing process must run well. There are several factors that must be considered by the management team in determining a marketing strategy known as the marketing mix. In this article, we will analyze the effect of Product, Price, Place and Promotion on Customer Decisions for Fleximax Savings Bank Panin Dubai Syariah KCU Bandung. Product is everything that is ready to be marketed by producers to get attention, requested until purchased to fulfill needs. Price is the value of an item or service that is measured in money to get the goods or benefits. Place is a permanent location or existence of a company. Promotion is sales communication that is persuasive in influencing consumers to be interested in the products offered. The results of the research show that all independent variables have an effect on the dependent variable. First, the results of the first t-test, obtained a t-test of 2.232 with a significance level of 0.029, meaning that the product is able to have a significant influence on the decision of the Fleximax Savings Customer partially; Second, the results of the t-test obtained a t-test of 2.128 with a significance level of 0.037, meaning that Price is able to give a significant influence on the decision of the Fleximax Savings Customer partially; Third, the results of the t-test obtained t-test 3.346 with a significance level of 0.001, meaning that Place is able to have a significant influence on the decision of the Fleximax Savings Customer partially; Fourth, the t-test results obtained t-test 3.106 with a significance level of 0.003. This means that Promotion is able to have a significant influence on the Fleximax Savings Customer Decision partially. Testing the Effect of Product, Price, Place and Promotion on Customer Decisions simultaneously obtained f-statistics results of 3.894 with a significance of 0.007. This result means that all independent variables are able to have a significant influence on customer decisions because the significant value is less than 0.05. The implication of this research is that the management of Bank Panin Dubai Syariah must be able to maintain and be able to improve banking products that are in accordance with the needs of the community, especially Felximax Savings that is able to answer the needs of today's society. With its convenience and advantages. So that many customers are interested in saving their funds with the Fleximax savings product. By paying attention to the marketing mix factors, this can support the running of the company and be able to compete with conventional products that first existed
Analisis Kesehatan Bank Dengan Menggunakan Metode RGEC Pada PT. Bank Mega Syariah Tbk. Periode 2016-2019 Ade Ponirah; Faridha Nurazizah; Yesa Tiara Purnama Sari
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): 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.v5i1.162

Abstract

Tingkat kesehatan bank sangat penting untuk berbagai pihak terkait. Karena menjadi informasi sebagai bahan evaluasi kinerja sebuah bank. Bank Indonesia telah mengeluarkan aturan sebagai landasan dalam penilaian tingkat kesehatan bank. Metode yang kini banyak digunakan yaitu RGEC terdiri dari Risk Profile, Good Corporate Governance, Earnings, dan Capital. Dalam metode ini dinilai menggunakan ketentuan dan kompsit yang telah ditentukan. Pada penelitian ini bertujuan untuk menganalisis tingkat kesehatan bank pada PT. Bank Mega Syariah Tbk periode 2016-2019. Pendekatan yang digunakan yaitu pendeketan deskriptif dengan data kuantitaif dari laporan tahunan yang di unduh dari web resmi. Hasil penelitian berdasarkan aspek penilaian Risk Profile bank di ukur dengan NPF termasuk dalam kaetgori sehat, lalu diukur juga dengan menggunakan FDR dalam kurun empat tahun termasuk pada kategori sehat. Pada aspek Good Corporate Governance (GCG) bank termasuk dalam komposit dua yaitu sehat. Lalu pada aspek Earnings keseluruhan selama empat tahun bank termasuk pada akategori sangat sehat. Terakhir pada aspek Capital bank termasuk pada kategori sangat sehat. Secara keseluruhan PT. Bank Mega Syariah Tbk dalam kurun waktu empat tahun berada pada nilai komposit 2 yang berarti termasuk dalam kategori sehat.
Pengaruh Penerapan Akad Isthisna Terhadap Minat Beli Masyarakat Di Perumahan Nakhil Garden Pawarengan Cikampek Barat Dian Rosdiana; Ahmad Ali Sopian; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.58

Abstract

The need for housing is a basic need after the need for clothing and food. Housing Nakhil Garden Pawarengan Cikampek is one of the sharia property developers that provides ready-to-build residential products, using a non-bank sharia system in running their business, namely using an isthisna contract or advance reservation without any touch of usury. The purpose of this study was to determine the effect of the application of the Istishna contract on people's buying interest in the Nakhil Garden Pawarengan Cikampek housing, and to determine how much influence the application of the Istishna contract had on the public's interest in buying housing at Nakhil Garden Pawarengan Cikampek. This study uses quantitative methods, data collection is done by means of observation, interviews, distributing questionnaires and documentation respondent data. The population in this study are consumers who buy and are interested in buying housing with a sample of 40 people. The sampling technique is probability sampling using simple random sampling. The type of data used is primary data with a questionnaire data collection method. Then the analysis technique using simple linear regression data analysis. The results of this study indicate that the isthisna contract applied by Nakhil Garden housing has no effect on people's buying interest, this can be seen from the results of the regression test, namely the value of the coefficient of determination (R Square) generated is 0.187 from the correlation / relationship value ( R) of 0.432. so that it can be interpreted that the application of the Istishna contract has an influence on buying interest in Nakhil Garden Pawarengan housing by 18.7%, the remaining 81.3% is influenced by other factors not examined in this study
Analisis Sistem Pembiayaan Akad Qardhul Hasan Di BMT Al-Amanah Cabang Subang Meinizar Arini Putri; Siti Hapipah; Siti Rohmat
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.131

Abstract

The Qardhul Hasan financing at BMT Al-Amanah Subang was not surveyed again, because the Qardhul Hasan survey had been carried out at the beginning of the members doing previous financing such as Mudharabah, Murabahah, Musyarakah, and Rahn financing, because Qarhdul Hasan financing is a conversion from the previous contract. Qardhul Hasan financing has certain categories for financing the needs of members such as education costs, medical expenses, and so on. The purpose of this study was to determine the terms and conditions of financing Qardhul Hasan at BMT Al-Amanah Subang Branch; To find out the Qardhul Hasan contract financing system at BMT Al-Amanah Subang Branch; and To find out the benefits of the Qardhul Hasan Agreement for members and managers of BMT Al-Amanah Subang Branch. The results of this study 1). The terms and conditions of Qardhul Hasan financing at BMT Al-Amanah Subang Branch do not use collateral on the condition that they must become members of BMT Al-Amanah, and members are no longer able to pay installments of previous contract financing that have matured; 2. Qardhul Hasan Financing System at BMT Al-Amanah Subang Branch, namely: a). For members of BMT Al-Amanah who are active members by having principal and mandatory savings, b). For members who already have financing, which is past due, but have difficulty paying the financing installments, BMT Al-Amanah converts the contract into Qardhul Hasan; 3). The benefits of Qardhul hasan for members and managers are: a). For members, it is very helpful for members who are having difficulty paying installments and as a source of non-commercial loans / bailout funds, b). For managers, namely because Qardhul Hasan financing is social and please help it will give a good image for BMT Al-Amanah Subang Branch.
Pengaruh Faktor Sosial Dan Pribadi Terhadap Minat Beli Produk Peyek Aziz Tanpa Tanggal Kedaluwarsa Dalam Perspektif Ekonomi Syariah Wiwi Mulyani; Ai Siti Khoeriah; Saepul Bahri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.149

Abstract

Carrying out economic activities based on Islam is an order and has the value of worship. According to fiqh rules, every muammalah transaction is allowed as long as it does not conflict with the basic Islamic law, namely the Qur'an and hadith, including carrying out economic activities in the field of food processing business. The purpose of this study was to determine the influence of social factors and personal factors on consumer buying interest in Peyek Aziz products. The method used is descriptive quantitative with the number of samples used as many as 33 respondents in the Kertamukti sub-district, Campaka sub-district which was determined through probability sampling with random sampling technique. The results of this study indicate that personal factors affect consumer buying interest with a significance value of 0.000 < 0.05. Social factors are declared not to affect because the significance value obtained is 0.063 > 0.05. While social and personal factors jointly affect consumer buying interest with a significance value of 0.000 < 0.05. Based on these results, it is known that social and personal factors affect consumer buying interest in food without an expiration date of 0.515 or 51%. While the remaining 49% is influenced by other factors not examined. The sharia economic review regarding food without expired labels did not find any specific regulatory information. The inclusion of an expired label is an ijtihad in providing information on the appropriate time limit for consumption on food products with the aim of benefiting in maintaining property and life.
Analisis Kinerja Keuangan Bank Syariah Dengan Metode DuPont System Pada PT. Bank BRI Syariah Periode 2016-2019 Dewi Nurapiah; Moch. Cahyo Sucipto; Eka Ahadiyat Suryana
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.171

Abstract

It is very important to measure financial performance by digging up more information contained in financial statements, financial statements are the end result of the accounting process, which must provide useful information for decision making by various parties. This study aims to obtain an overview of the company's financial performance by applying the DuPont System method. In addition, this analysis can evaluate changes in company conditions and performance, whether there is an increase or decrease or both. The variables used in the DuPont System calculation are Return On Investment, Total Asset Turnover, and Net Profit Margin. The method used in this study is quantitative descriptive, the source of the data needed in this study is secondary data, the data used in this study are data published by BRI Syariah Bank and BRI Syariah Bank publication reports that exist at the Service Authority. Finance (OJK). The results of this study indicate that the performance of BRISyariah fluctuates every year. Where tends to decrease at the level of Net Profit Margin, Total Assets Turnover, and Return On Investment. The highest Net Profit Margin for five years occurred in 2016 at 6.16% and the lowest occurred in 2019 at 2.04%. The largest Total Assets Turnover was 0.10 times in 2016 and the lowest was 0.08 times in 2019. The highest Return On Investment was 0.16% in 2016 and the lowest was 0.17% in 2019. This shows that the performance of BRI Syariah Bank in generating profits is said to be poor because it tends to decrease every year, even though the level of the DuPont System at BRI Syariah Banks has fluctuated, but it is still said to be positive due to the determination of the DuPont Syatem level criteria, namely the ROI of BRI Syariah Banks is still quite healthy.
Pengaruh Kualitas Produk dan Promosi Terhadap Keputusan Nasabah Memilih Tabungan Amanah Di BMT Purwakarta Amanah Sejahtera Wiwin Winanti; Saepul Bahri; Ayi Nurbaeti; Diana Novita
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.172

Abstract

Latar Belakang penelitian yang dilakukan di BMT Purwakarta Amanah Sejahtera, dimana Tabungan Amanah setiap tahunnya menurun. Hal ini kontraduktif dengan situasi masyarakat Purwakarta yang mayoritas penduduknya beragama islam. Merupakan potensi sebagai tempat tumbuhnya kegiatan ekonomi yang berbasis syariah. Tujuan penelitian ini adalah untuk mengetahui pengaruh Kualitas Produk terhadap keputusan nasabah memilih Tabungan Amanah, Untuk mengetahui pengaruh Promosi terhadap keputusan nasabah memilih Tabungan Amanah, Untuk mengetahui Kualitas Produk dan Promosi terhadap keputusan nasabah memilih Tabungan Amanah. Metode penelitian yang digunakan adalah metode kuantitatif, yaitu metode yang menggunakan angka-angka di setiap hasilnya dan diuji menggunakan aplikasi SPSS. Populasi dalam penelitian ini adalah 52 orang. Teknik analisis data yang digunakan dalam penelitian ini adalah validitas data, relibilitas data, untuk uji asumsi klasik menggunakan uji normalitas,uji multikolinearitas,uji heteroskedastis, sedangkan uji hipotesis menggunakan uji determinasi, uji parsial(uji t),regresi linier berganda,dan uji simultan (uji f). Hasil penelitian menunjukan bahwa variabel kualitas produk tidak berpengaruh terhadap keputusan nasabah tabungan amanah di BMT PAS dengan nilai thitung sebesar -0,309 lebih kecil dari ttabel sebesar 2,000. promosi secara parsial (uji t) tidak berpengaruh terhadap keputusan nasabah dengan thitung sebesar 1,753 lebih kecil dari ttabel sebesar 2,000. berdasarkan uji simultan (uji f) Kualitas produk dan promosi tidak berpengaruh terhadap keputusan nasabah dengan nila siginifikasi sebesar 0,194 lebih besar dari 0,05. Kesimpulannya hipotesis secara keseluruhan H0 diterima dan Ha ditolak.

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