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Tasharruf: Journal Economics and Business of Islam
Published by Institut Agama Islam Negeri Manado
ISSN : 25280317     EISSN : 25280325     DOI : http://dx.doi.org/10.30984/febi
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tasharruf: Journal Economics and Business of Islam is a publication forum for scientific journals related to Islamic economics and business (economic journals).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 11 Documents
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Search results for , issue "Vol 3, No 2 (2018): December" : 11 Documents clear
Analysis of Financial Performance In PT. PP (Persero) Tbk Muhammad Fadil Abu Bakar; Youlanda Hasan
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.796

Abstract

AbstractTo find out financial performance PT. PP (Persero) Tbk.               Data analysis in this study uses quantitative descriptive by comparing the company's financial ratios using the Liquidity Ratio, Solvability Ratio, Activity Ratio, Solvability Ratio               Based on the results of the analysis it can be concluded that the financial performance of PT. PP (Persero) Tbk. in 2014 until 2016 where the liquidity ratio felt in a liquid state because it was in the financial ratio. The solvency ratio is in an unhealthy state, because the debt to equity ratio and debt to asset ratio are below the standard financial ratio. The activity ratio is in good condition, because the receivable turn over and inventory turn over are at the financial ratio standard. The profitability ratio is in an unhealthy state, because the net profit margin and return of investment are below the standard financial ratio.Keywords: Liquidity Ratio, Solvability Ratio, Activity Ratio, Profitability Ratio.
Effects of Income and Fund Management of State Civil Apparatus on Bank Credit Granting (Case Study of the Academic Community of IAIN Manado) Syarifuddin Mala
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.790

Abstract

AbstractThis study aims to examine and analyze the influence of income (x1), and the management of funds of the state civil apparatus (X2) on bank credit granting, a case study of the Academic Community of IAIN Manado. This research is a survey research conducted on the Academic Community of IAIN Manado. The population in this study is 111 respondents and the sample is 87 respondents. Sampling uses a random sampling technique with Solvin formula. The data analysis technique used in this study is the normality test, hypothesis testing, and T test using multiple regression analysis with SPSS V.16 application for Windows.The results of this study prove that income does not affect the granting of credit with a value of 0.857> 0.05, Fund management affects the granting of credit with a value of 0.003 <0.05 and Revenue (X1) and Fund Management (X2) simultaneously for Credit granting (Y ) with a value of 0.005 <0.05. Based on the results of the analysis it can be seen that the R square value is 0.119 or 11, 9% management of funds. This means that the influence of the fund management variable on the provision of bank credit has an influence of 11, 9%Keywords: Income, Fund Management, and Credit Granting
Effects of Material Incentives and Non Material on Employee Satisfaction Employees Muhammad Azhar Mushlihin
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.797

Abstract

AbstractThe purpose of this study was to determine the effect of material and non-material incentives on employee job satisfaction at PT. Bank Tabungan Negara (Persero) Tbk. Makassar Branch.               The analysis method used to determine the effect of material and non-material incentives on employee job satisfaction is to use multiple linear regression analysis through the SPSS version 24.0 program.               Partially and simultaneously shows that the variables of material and non-material incentives can affect employee job satisfaction. These results imply that the company is able to create added value in the provision of additional wages which can ultimately increase the job satisfaction of its employees.Keywords: Material Incentives, Non Material Incentives, Employee Satisfaction.
Implication of Musyarakah Mutanaqisah Contract of Syariah Banking (Study of Opportunities and Risks at Bank Mu’amalat, Manado Branch) Rahmawaty Rahmawaty
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.791

Abstract

AbstractThe growing of Sharia Banking has also encouraged the development of its products. One of the sharia banking products that in high demand by the public is housing finance products known as the kongsi pemilikan rumah syari`ah (KPRS). In its implementation, there are differences in some sharia banks; some use the murabahah and other use musyarakah mutanaqishah contracts. In 2008, the National Sharia Council issued a fatwa regarding the musyarakah mutanaqisah contract in financing home ownership. However, the contract was still not implemented by all Sharia banking. In 2012, Bank Indonesia issued a circular letter to all Sharia Banks and Sharia Business Units which further legitimized the application of the musyarakah mutanaqisah contract in sharia banking. Contracts of Musyarakah mutanaqisah in KPR products will facilitate customers in financing the KPR. The advantages of the musyarakah mutanaqisah contract for customers are the more extended financing periods and relatively cheaper installments.Keywords: Mutaqisah Musyarakah contract, Home Ownership Financing.
Effects of Material Incentives and Non Material on Employee Satisfaction Employees Muhammad Azhar Mushlihin
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.798

Abstract

AbstractThe purpose of this study was to determine the effect of material and non-material incentives on employee job satisfaction at PT. Bank Tabungan Negara (Persero) Tbk. Makassar Branch.               The analysis method used to determine the effect of material and non-material incentives on employee job satisfaction is to use multiple linear regression analysis through the SPSS version 24.0 program.               Partially and simultaneously shows that the variables of material and non-material incentives can affect employee job satisfaction. These results imply that the company is able to create added value in the provision of additional wages which can ultimately increase the job satisfaction of its employees.Keywords: Material Incentives, Non Material Incentives, Employee Satisfaction.
Impact of Mui Halal Labels on Volume of Sales of Holland Bakery in Manado City Mawarni Safitri Henaulu
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.786

Abstract

AbstractThis research examines the impact of MUI's halal label on the sales volume of Holland bakery in the city of Manado. The main problem in this study is how much influence the halal label has on sales volume. The objective achieved in this study was to find out the impact of MUI's halal label on Holland Bakery's sales volume in the city of Manado. And provide recommendations to other food companies so that they can increase sales volume. This type of research is quantitative research. Data used in the study are primary data or data directly from respondents through questionnaires that are distributed in Holland Bakery in the city of Manado. As a population and a sample of consumers are Holland Bakery in the city of Manado. The data analysis technique used in this study is the normality test, hypothesis testing using product moment correlation test and simple linear regression test. After going through quantitative procedures.This study found that the halal label has an effect on sales volume as evidenced by the product moment correlation test. It is known that the correlation value between variables X and Y is 0.562> 0. So Ho is rejected and Ha is accepted. from the Model Summary table is 0.315 or around 31.5%. This means that the effect of the independent variable (Halal Label) on the dependent variable (Sales Volume) is 31.5%. Meanwhile, the remaining 68.5% (100-31.5 = 68.5%) are explained by other variables not examined in this study. Keywords: Halal Label, Sales Volume, Holland Bakery
Analysis of Marketing Mix Implementation at Pt. Pegadaian of Malalayang Branch of City of Manado Radlyah Hasan Jan
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.792

Abstract

AbstractThis study aims to: (1) find out the marketing mix of gold pawn on credit realization partially, (2) find out the marketing mix of gold pawn on credit realization simultaneously, (3) find out the marketing mix of gold pawn effect on the number of customers partially and (4) find out the marketing mix of gold pawn effect on the number of customers simultaneously.The results of the multiple regression analysis show that the promotion mix variable (X1) is -0.033. It means that for every percent of enhancement in the promotion mix, it will reduce the excellence of Pegadaian by 0.033 percent. However, it does not have a significant effect, which means that the size of the promotion costs does not affect the excellence of Pegadaian. Customer satisfaction (X2) is 0.397; it shows that an increase every percent in customer satisfaction will increase the excellence of Pegadaian by 0.397 percent and significant at α of 0.05. Then the interest rate is 0.459. It shows that any percent increase in interest rate will increase the excellence of Pegadaian by 0.459 percent and significant at α of 0.0.By holding the F test, the promotion mix (X1), customer satisfaction (X2) and credit interest rates (X3) simultaneously on the excellence of Pegadaian (Y) is 0,000 < 0,05 and the calculated F value is 18,634 > F table 4,10, so that it can be concluded that the hypothesis is accepted which means there are influences of X1, X2, and X3 simultaneously on Y. The value of R Square is 0.783; it means that the influence of variables X1, X2, and X3 simultaneously on the Y variable is 78.3%. Adjusted R square is 0.620. It shows that, in this study, 62 % can be explained by the studied variables, and the rest explained by other variables outside of this study.Keywords: Analysis, Implementation, Marketing Mix
Ethics of Buying and Selling in The Muslim Community, Case Study in The Traditional Manado Market Riton Igisani
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.799

Abstract

Abstract               This research discusses the ethics of buying and selling in the muslim community, especially in the traditional manado market, the subject of the discussion is on buying and selling ethical values using the approach of religious social phenomena.               For most of the manado muslim community, trading is a  profession, something they're doing for their continuation of their life. the problem is whether the various forms of buying and selling carried out are in accordance with the guidelines of Islamic ethics, because buying and selling prohibits the existence of physical ways and demands that every actor performs ways that are self-sufficient. As far as the author's observation, some Muslims have been able to apply the ethical values of buying and selling in their lives, but there are also some of them who have not been able to actualize these values. The contributing factors are lack of awareness and understanding of religion.Keywords:: Ethics of buying and Selling
The Effect of Service and Profit Sharing on the Interests of Non-Muslim Customer to be Customer of Sharia Bank (Case Study At BRI Syariah KC (Branch Office) Manado) Nur Atika Thayeb
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.787

Abstract

Abstract:This study aims to find the effect of Service and Profit Sharing on Non-Muslim Customer Interests to Become Customers in BRI Syariah Manado. The main problem is how much the influence of the Service and Profit Sharing toward the Interests of Non-Muslim to Become Customers in BRI Syariah Manado. The type of research used is quantitative research. The population in this study were non-Muslim customersof BRI Syariah Manado.Data analysis techniques in this study are validity test, reliability test, normality test, multicollinearity test, autocorrelation test, heteroscedasticity test, multiple regression test, F test and T test.The results of this study conclude that the Regression Coefficient X1 (service) is 0.336 (33.6), service is a factor that affects the interest of non-Muslim to become customers of the BRI Branch KC (Branch Office) Manado, and the Regression Coefficient X2 (Profit Sharing) amounting to 0.410 (41.0), stating that the Profit Sharing variable has a positive influence and the most influential factor on the interest of non-Muslim to become BRI Syariah Manado customers. based on the results of these studies, it conclude that the better the Bank Sharing Profit, the better the interest of non-Muslim customers to become customers. Furthermore, it is recommended for the BRI Syariah KC (Branch Office) Manado to further improve the quality of services so that the non-Muslim community is more interested in becoming a customer at the Manado KC (Branch Office) BRI and for Profit Sharing should be more concerned by the bank, so that non-Muslims are more familiar with Profit Sharing Products.Keyword: service, Profit sharing, interest.
Analysis of Online Taxi (Uber) in Islamic Economy Perspective Sutono Sutono
Tasharruf: Journal Economics and Business of Islam Vol 3, No 2 (2018): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i2.793

Abstract

AbstractThe rise of the online taxi business (uber) has caused various reactions, both positive and negative, because it has an impact on the congestion of other transportation companies that have resulted in losses, and it is very noticeable in orange taxi companies, blue bird taxi and many more companies taxi that is the same as the two companies. For this reason, this study aims to find out in depth the practices and operations of Uber online taxi and to find out in depth the Islamic economic law review of an online taxi. This research is descriptive qualitative to explore the problems that occur by using interviews as a data analysis technique. Based on the results of the study, the legal status of uber's online taxi operations has been officially licensed and operates on a conditional basis. This term is if the conditions are fulfilled, then it can operate, and if it cannot be fulfilled, the permits are refused or may not operate. While regarding the legal status of uber companies with taxi drivers is a contract of sale and buy, and can be called musyarakah contract (cooperation). Whereas, the status for customers and uber companies is an ijarah contract (rent) and can also be a sale and buy contract.Keywords: online taxi, uber, customer, Islamic economy law

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