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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 134 Documents
 1   2   3   4   5 
The Implication Of General Allocation Fund, Special Allocation Fund, Profit Sharing Fund To Inequality The Gross Regional Domestic Product In South Sulawesi Province Period 2006-2014 Muhammad Azizi
Tasharruf: Journal Economics and Business of Islam Vol 3, No 1 (2018): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i1.657

Abstract

Abstract Research aimed to: (1) the effect of components DAK (Special Allocation Fund) to the reduction of inequality Gross Regional Domestic Product (GRDP) Inter-district in South Sulawesi Province Period 2005-2014; (2) the effect of components DAU (General Allocation Fund) to the reduction of inequality Gross Regional Domestic Product (GRDP) Inter-district in South Sulawesi Province Period 2005-2014; (3) the effect of components DBH (DBH) to the reduction of inequality Gross Regional Domestic Product (GRDP) Inter-district in South Sulawesi Province Period 2005-2014.This study uses secondary data sourced from Statistics South Sulawesi province, data obtained is the result of the final report of the Central Statistics Agency in the form of the GDP of South Sulawesi province, DAU, DAK, DBH and southern Sulawesi province in 2005-2014. Data disnalisis by using SPSS and Williamson Index.The results of this study indicate the results of multiple linear regression above shows that the variable of general allocation funds positive and significant impact on inequality regional South Sulawesi in 2005 s / d 2014, variable special allocation fund a significant negative effect on inequality regional South Sulawesi in 2005 s / d in 2014 and a variable revenue-sharing significant negative effect on regional inequality South Sulawesi in 2005 s / d in 2014;This shows that shows that the magnitude of regional imbalances in South Sulawesi Province happened yet categorized inequality are low because williamson index values <0.03. Keywords: General Allocation Fund, Special Allocation Fund, DBH and Regional Inequality
Pemahaman Masyarakat Tentang Jual Beli Cengkeh Yang Masih Di Pohon (Ijon) Di Kecamatan Passi Barat Kabupaten Bolaang Mongondow Syamsuddin Ak Antuli
Tasharruf: Journal Economics and Business of Islam Vol 2, No 1 (2017): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i1.530

Abstract

The practice of buying and selling by using Ijon are widely practised in the villages such as pasi Barat when the cloves are still on trees.Based on this description, the writer tries to investigate on people understanding of buying and selling cloves which are still on trees (Ijon). This is field research with descriptive analyses methods that is qualitative research that will produce normative data acquired through direct interview on purposive sampling. Purposive sampling is selected due to the ability to represent the population. Furthermore, documentation technique is used to explore existing data related to research based on data collected and the analysis performed it can be concluded that people understanding especially cloves farmers on Ijon styles buying and selling is varied. According to researcher observation, the varied understanding are based on this issue is due to the low knowledge on religion. Most respondents cannot respond when asked about the Ijon.Keywords: Buying and Selling, Understanding and Ijon
PENGARUH KOMPENSASI TERHADAP PRODUKTIVITAS KERJA PEGAWAI DINAS PENGELOLAAN SUMBER DAYA AIR DI KABUPATEN SIDENRENG RAPPANG Sudarmi Sudarmi
Tasharruf: Journal Economics and Business of Islam Vol 1, No 1 (2016): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v1i1.388

Abstract

AbstractThis study was conducted to answer the problem Whether compensation in the form of salaries and allowances partially positive and significant impact on the productivity of employees working at the Department of Water Resources Management Sidenreng Rappang? Thus, this study aims to determine Is the compensation in the form of salaries and allowances partially positive and significant impact on the productivity of employees working at the Department of Water Resources Management Sidenreng Rappang. for that, the results of this study would be useful : (1) as inputs to the leadership at the Department of Water Resources Management Sidenreng Rappang in the development of good quality officials related to the quality and skills of employees, (2) for the development of knowledge about the development of civil servants (PNS) and (3) as a reference. This study is a verification that is correlational, meaning that the data and facts collected from the field is not manipulated, just to test the theory as well as to validate the hypothesis, with a sample size of 30 people. Data collection techniques used were questionnaires, observations, and interviews.Analysis of the data used is ; Descriptive statistical analysis and statistical analysis infrensial. In analyzing the data using SPSS 18 software.The results showed:1.      Compensation is in both categories. It is in terms of; (1) salary, (2) incentives, (3) life and health insurance, and (4) housing2.      Productivity of employees working in the category both in terms of ; (1) conduct a constructive, (2) trust yourself, (3) responsible, (4) a love of work, (5) have the foresight, (6) Overcoming the problem, (7) had a positive contribution, and (8) have the power.3.      The results of the calculation of F test obtained F arithmetic 14.191 and F table (0.05 : 1 : 30) amounted to 4, 17 or the value of F larger than F table. Therefore Fo > Fi, your Hi accepted, which means there is a variable dependent nature of work productivity with compensation, or it can be said that the hypothesis in this research is received from the analysis SPSS.18 (see Table Cooeficient) turned out to be significant to the variable compensation is far below 0,001 0.05, therefore H1 = significant regression coefficient so that compensation effect on employee productivity.                                  Keywords : Compensation and Working  produtivitas
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.
The Effect Of Mudharabah Financing Income To Profitability (ROA) At PT. Bank Muamalat Indonesia Tbk. Periode 2011-2016 Sjamsuddin Ak Antuli
Tasharruf: Journal Economics and Business of Islam Vol 3, No 1 (2018): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i1.662

Abstract

AbstractOne of funds allocations in Islamic banking is mudharabah financing. It will generate profits from the calculation for the results. The profit will be shared between the bank and its managing customers. The rate of return on capital can measure the level in profitability of a bank by comparing its profit and capital. The purpose of this study was to examine the effect of mudharabah financing income on the profitability of PT. Bank Muamalat Indonesia Tbk. The method was used quantitative descriptive with analysis technique of simple regression analysis using SPSS version 21. The results showed that simultaneously the p-value value is 0,000 and smaller than the level of significant that is 0.05 which means mudharabah financing income affect profitability simultaneously. Partially, (T test) shows that the value of T count = 4.670> 1.711 T table while the significance value is 0.000 where this number is smaller than 0.05. From the calculation results obtained by the coefficient, b = 0.115 is positive, this means that every time the mudharabah financing income increases by one (1), the average profitability (ROA) will increase by 0.115. This means that mudharabah income has a positive and significant effect on the ROA level partially. Keywords : Mudharabah, Profitability, Return On Assset (ROA)
Analysis Of Stock Price At Pt. Telkom Indonesia Tbk Before And After Having Damage On Its Satelit Setiawan Saleh; Ridwan Tabe
Tasharruf: Journal Economics and Business of Islam Vol 3, No 1 (2018): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v3i1.653

Abstract

This study aims to determine the stock price of PT Telkom Indonesia Tbk before and after damage to the Telkom 1 satellite. In the telecommunications industry, it is very important to know the financial performance in order to achieve the company's goals. The main goal of the company is to maximize the value of the company. High company value can increase prosperity for shareholders, so that shareholders will invest their capital in the company. The value of the company is reflected in the stock price. In Indonesia the government has a telecommunications industry which is a State-Owned Enterprise (BUMN), namely PT. Telkom Indonesia Tbk, as the most complete information and communication company and telecommunication network service and provider in Indonesia. PT. Telkom Indonesia Tbk has a stock price which increases every year from year to year. Towards the end of 2017 PT. Telkom Indonesia Tbk suffered damage to the Telkom 1 satellite, so PT Telkom Indonesia Tbk transferred its network to Telkom 2 satellite. there is a significant difference in the stock price after the damage to the Telkom satellite 1. The stock price before the damage to the Telkom 1 satellite is Rp. 4,730,67 while the share price after the damage to the Telkom 1 satellite was Rp. 4,704.00, which means a stock price decline after the damage to Telkom 1 satellite. Keyword: Analysis, Stock Price.
Analisis Pembiayaan Murbahah Dan Pengaruhnya Terhadap Tingkat Likuiditas Bank Muamalat Indonesia Cabang Manado Ridwan Ridwan
Tasharruf: Journal Economics and Business of Islam Vol 2, No 2 (2017): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i2.526

Abstract

This research examines the analysis Murabaha, Financing and Its Implication toward the Liquidity of bank Muamalat Manado in order to recognize the development and influences of murabahah towards degree liquidity.This research uses quantitative approach with data collecting technique through documentation and browsing. Techniques of data analysis are analysis of correlation and simple regression.Research findings show financing murabaha from 2007 to 2014 grew significantly, especially in 2011 which reach 55, 54% and in 2012 was at 60, 38%. These are caused by wider recognition of Islamic banks especially financing murabaha product even though the product decreased in 2009. Based on simple regression analysis with 0,193 financing murabaha does not have any influences towards degree of liquidity. Then, population data are 8 (n=8), if financing murabaha increases degree of liquidity deceases and vice versa. So, the relation between financing murabaha and degree of liquidity is not parallel. If confirmed with interpretation table by Suharsimi Arikunto, degree of correlation falls on low category as coefficient interval is between 0,00 and 0,199. Key words: Development, Mudharabah And LiquidityPenelitian ini mengkaji tentang “Analisis Pembiayaan Murabahah dan Pengaruhnya Terhadap Tingkat Likuiditas Bank Muamalat Indonesia Pengaruh”. Untuk mengetahui perkembangan murabahah pengaruh terhadap tingkat likuiditas.             Penelitian ini merupakan penelitian kuantitatif dengan teknik pengumpulan data menggunakan dokumentasi dan browsing yang dilakukan peneliti untuk mendapatkan informasi yang betul-betul akurat. Teknik analisis data yang digunakan adalah teknik analisis korelasi dan analisis regresi sederhana.Hasil penelitian ini menunjukkan bahwa Pembiayaan murabahah dari tahun 2007–2014 mengalami perkembangan yang signifikan terutama pembiyaan murabahah yang dilakukan tahun 2011 mencapai 55,44% dari angka sebelumnya, begitu pula terjadi pada tahun dan 2012 perkembangan pembiayaan murabahah mencapai 60,38% , hal ini disebabkan karena bank syariah semakin dikenal dimasyarakat, terutama pada produk pembiayaan murabahah yang sangat membantu kebutuhan masyarakat, kecuali tahun 2009 mengalami penurunan. Berdasarkan hasil analisis regresi sederhana diperoleh nilai rhitung sebesar 0,193 yang bernilai negarif berarti Pembiayaan Murabahah tidak memiliki hubungan terhadap tingkat likuiditas, kemudian data populasi sebanyak 8 (N=8), bila Pembiayaan Murabahah semakin meningkat maka Tingkat Likuiditas juga mengalami Penurunan dan sebaliknya, jadi dapat dikatakan bahwa hubungan antara Pembiayaan Murabahah dengan tingkat Likuiditas tersebut adalah tidak searah, bila dikonfirmasi dalam tabel interpretasi menurut Suharsimi Arikunto maka tingkat korelasi (hubungan) tersebut berada dalam kategori sangat rendah rendah karena berada dalam interval koefisien antara 0,00 sampai 0,199. Kata Kunci: Perkembangan, Mudharabah, Likuiditas
Kolaborasi Pemerintah Daerah Dan Pt. Astra Agro Lestari Dalam Peningkatan Produksi Petani Kelapa Sawit Di Mamuju Tengah Muhlis Zainuddin
Tasharruf: Journal Economics and Business of Islam Vol 4, No 1 (2019): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v4i1.880

Abstract

Analyze collaboration between local government of Mamuju Tengah and PT. Astra Agro Lestari in Mamuju Tengah Regency can help solve various problems related to the production of the community of oil palm farmers whose impact is the improvement of the welfare of the community. This study aims to find out if there is a colaboration between the local goverment of Central Mamuju regency and PT. Astra Agro Lestari in increasing oil palm farmers production.The research used the qualitative approach with a case study. The informants were selected usng the purposive sampling technique. The data were selected through in–depth interviews, dokumentation, and obsevation, and they were analysed in several steps including data reduction, datapresentation, conclusion, and verification.The results show that there is a collaboration between the local goverment of Central Mamuju regency and PT. Astra Agro Lestari. The activities and strategies include conducting trainings and arranging post-harvest management of the palm oil plantation to increase the famers’ production. The collaboration used the donor-recipient model because it is a moderate model based on the idea that several actors have information and skills to control consistent policies related to many social interests.Menganalisis kolaborasi antara pemerintah daerah Kabupaten Mamuju Tengah dan PT. Astra Agro Lestari di Kabupaten Mamuju Tengah dapat membantu menyelesaikan berbagai macam permasalahan terkait masalah produksi masyarakat petani sawit yang dampaknya adalah peningkatan kesejahteran masyarakat.Penelitian ini bertujuan untuk mengetahui apakah terjadi sebuah kolaborasi antara pemerintah daerah Kabupaten Mamuju Tengah dan PT. Astra Agro Lestari dalam meningkatkan produksi petani kelapa sawit.Penelitian ini menggunakan pendekatan kualitatif dengan jenis penelitian study kasus.Penentuan informan dengan tehknik purposive.Tehnik pengumpulan data, yaitu dengan wawancara mendalam, dokumentasi dan observasi.Data dianalisis dengan reduksi data, penyajian data, pengambilan kesimpulan dan verifikasi.Hasil penelitian menunjukkan bahwa sebuah kolaborasi antara pemerintah daerah Kabupaten Mamuju Tengah dan PT. Astar Agro Lestari dengan aktivitas dan strategi yang dilakukan adalah melakukan pelatihan dan penanganan pasca panen perkebubnan kelapa sawit untuk meningkatkan produksi petani kelapa sawit.sementara model yang digunakan dalam melakukan kolaborasi adalah model model menyerupai model Donor- recipient Model karena model ini merupakan model moderat yang didasarkan pada gagasan bahwa sejumlah aktor menguasai informasi dan keahlian untuk mengontrol kebijakan yang konsisten dengan kepentingan sosial yang banyak tersebut.
PEMASARAN PRODUK PERTANIAN : MASALAH DAN SOLUSINYA Nikolas Fajar Wuryaningrat
Tasharruf: Journal Economics and Business of Islam Vol 1, No 2 (2016): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v1i2.383

Abstract

AbstractAgriculture is an integral part of human life in this world. But agriculture, especially in Indonesia is still a small contributor to Indonesia's gross domestic income. This article is a literature review and review of information from various media in view of the overall agricultural marketing issues. The problems of marketing agricultural products grouped in the 4P marketing mix, and Agribusiness MIS problem are the solution offered in this article. Keyword : Marketing Mix, Agribusiness, MIS
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.

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