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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 139 Documents
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Participative Leadership At Sma Labschool Kebayoran Jakarta Faisal Ade
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.v3i1.660

Abstract

AbstractThe purpose of this study was to determine the procedures, implementation, constraints and efforts made in participatory decision making planned by the principal at SMA Labschool Kebayoran Jakarta. This study used a naturalistic qualitative approach with data collection techniques in the form of observation, interviews and documentation studies. Data analysis is done by data reduction techniques, data presentation, drawing conclusions and checking the validity of the data.The results showed that the Principal of SMA Labschool Kebayoran Jakarta always made a plan before making a decision by formulating in advance which decision-making procedures were relevant for each problem faced. The participatory decision-making procedures chosen by the principal vary widely, depending on the context. However, there are obstacles faced in the implementation of participatory decision-making procedures, there are teachers and employees who feel that participatory decision making seems slow and the presence of principals is relatively lacking due to their duties and responsibilities outside of school. The efforts made by the head are to give the maximum understanding to the teachers and their employees to prepare data before making decisions so that the impression of being slow can be minimized. In connection with the lack of attendance of school principals, it can be overcome by utilizing the delegation model to their representatives, and besides that, the principal uses the meeting time every week which is led by the headmaster himself.Suggestions in this study for several parties, especially to the principal in improving school productivity, namely the participatory leadership model in the decision-making procedures applied by the headmaster of the Labschool Kebayoran High School Jakarta to be further improved according to the situation and needs of the teachers and employees. Keywords: Parsitipative Leadership, Procedure, Implementation and Decision Making
Persepsi Civitas Akademika STAIN Manado Tentang Kesyariahan Produk Perbankan Berasaskan Islam Syarifuddin Syarifuddin
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.v2i1.534

Abstract

This research ains to identity the perception of the civitas academica of (STAIN) Manado on the Syariah base of Islamic Banking Products. The interaction between betwen civitas academica of STAIN Manado and Islamic banks (Bank of Muamalat Indonesia, Branch Manado), through Koperasi (Cooperation) STAIN Manado, has inded, brought understanding between clients and bank. Therefore, they dealt on murabaha and mudharabah contracts. The method used is a descriptive- qualitative one with a case study. Interview is the technique used for data collection The research finding Shows that some for civitas academica do not completely understand the Concep of the profit sharing system. So that, they consider the Shariah banks are less the the conventional ones in terms of Quality and Quantity.Key word; Perception, product, Sharia Banking
Implementation of Syariah Principle towards Syariah Bank Operational from Financing Perspective: (Case Studies at Bank of Muamalat and Bank of Syariah Bukopin) Muhammad Azhar Muslihin
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.v1i1.391

Abstract

AbstractThis research aims for knowing the implementation of Syariah principle towards the syariah bank operational viewed from financing perspective in the Bank of Muamalat dan the Bank of Syariah Bukopin in Makassar   The method used in the research is qualitative. The data analysis utilized descriptive-narative including reducing the data, presenting the data, and making the conclusion. In qualitative research, the examining of the data quality is so-called validity task where the approach used triangulation and member check.    The research designates that the Bank of Muamalat and the Bank of Syariah Bukopin implement syariah principle in their financing operational. The principle consists of profit-sharing principle and sale-purchase principle. The implementation of profit-sharing principle are Mudarabah and Musyarakah, while the sale-purchase principle is Murabahah.Keywords:     Syariah Principle, Financing, Mudarabah, Musyarakah and Murabahah
Implementasi Peraturan Bank Indonesia Tentang Pembiayaan Likuiditas Jangka Pendek Syariah Pada Bank Syariah Mandiri Cabang Manado Fitria Ayu Lestari Niu
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/febi.v4i1.877

Abstract

Using a qualitative method with eksploratory approach, it finds that Mandiri Syariah Bank Branch Manado has implemented a Bank Indonesia Regulation on Liquidity Financing of the Syariah Mandiri Bank Branch Manado, which has not yet been difficult to meet the statutory reserve requirement in rupiah. But this cannot be ignored given the factors that might be questioned regarding the problem of funds in meeting their clear needs which is unpredictable and can be returned to the internal and external. The existence of this regulation can provide solutions to problems such as Islamic banking to obtain financing from Bank Indonesia by fulfilling the requirements set by Bank Indonesia such as providing collateral containing securities and contributions from the Financial Services Authority. Penggunaan metode kualitatif dengan pendekatan eksplorasi, ditemukan bahwa Bank Syariah Mandiri Cabang Manado telah mengimplementasikan Peraturan Bank Indonesia tentang Pembiayaan Likuiditas Jangka Pendek kepada Bank Syariah dengan melakukan sosialisasi dan pelatihan terhadap pihak-pihak yang berkepentingan. Bank Syariah Mandiri Cabang Manado juga belum menghadapi kesulitan dalam memenuhi kewajiban giro wajib minimum (GWM) dalam rupiah. Namun hal ini tidak dapat disepelekan mengingat terdapat faktor-faktor yang mungkin saja dapat berpotensi menjadi risiko adanya kesulitan dana dalam memenuhi kewajibannya yang jelas yang tidak dapat diramalkan dan dihindari baik itu dari intern maupun ekstern. Dengan adanya peraturan ini dapat memberikan solusi terhadap masalah likuditas khususnya pada perbankan syariah untuk mendapatkan pembiayaan dari Bank Indonesia dengan memenuhi persyaratan yang ditetapkan oleh Bank Indonesia seperti memberikan agunan berupa surat berharga dan rekomendasi dari Otoritas Jasa Keuangan
THE INFLUENCE ON THE EFFECTIVENESS OF ROLLING EMPLOYEES WORK IN MANADO STATE ISLAMIC INSTITUTE (IAIN) Ridwan Tabe
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.v1i2.381

Abstract

Abstract Influence on the effectiveness of Rolling employees work in Manado State Islamic Institute. This study was conducted to address the effect of rolling on the effectiveness of employees working in Manado IAIN environment, thus the goal of this research is to know how to influence employees rolling on the readiness of the effectiveness of work in the neighborhood IAIN Manado. This research is a quantitative research for the study use a lot of numbers, ranging from data collection to the interpretation of the data. Besides this empirically is an ex post-facto research because the data obtained is data results from the events that have taken place, while the technique of data collection using questionnaires which is conducted by researchers to obtain accurate information. Data analysis technique used is simple regression techniques. The results of this study indicate that Rolling employees has positive and significant impact to the effectiveness of work in IAIN Manado as indicated by the results of the analysis of the correlation coefficient (rx,y) of 0. 826 and the value coefficient determinant (r2x,y) of 0.682 and thitung7.319> ttabel 2.060 or p. (0.000< 0.05 at significant level of 5 per cent, it means rolling variable Rolling employees effecting the effectiveness of work by 68.20%. Keywords: rolling employees, effectiveness of work
The Effect of Premium on Profit of Life Insurance Companies in Sharia Units of Pt Panin Dai-Ichi Life Indonesia Ridwan Tabe
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.v3i2.789

Abstract

Abstract:This study discusses the effect of premiums on life insurance company profits in Sharia Unit of PT Panin Dai-Ichi Life Indonesia's. The main problem is the effect of premiums on profits of Life Insurance companies in Sharia Unit of PT Panin Dai-Ichi Life Indonesia from 2012-2016.The type of research method is quantitative. The population in this study is financial statements from PT Panin dai-Ichi Life Indonesia, while the sample is financial statements from 2012 - 2016. Data analysis techniques used in this study are normality test, hypothesis test, and T test using simple linear regression analysis.The results of this study concluded that the premium has an effect on profit where the value of T count - 4.366 <from the value of T table l2.101. While the significance is 0,000 smaller than 0.05 and for the value of F count is 19,067 > 4.41 F table. The significance of anova table 0.000 is smaller than 0.05, so Ho is rejected and Ha is accepted. It means that, there is a significant effect of premium on profit.Keywords: Premium, Profit, Life Insurance
Analysis Of Profitability Before And After Changing The Interest Rate Of Other General Credit At Pt. Bank Sulselbar Centre Office Makassar Yunita Nur Utami
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.v3i1.656

Abstract

AbstractThe purpose of this research is to find out how to increase profitability before and after changes in other public credit interest rates  at PT. Bank Sulselbar Makassar Head Office.The analytical method used is a paired sample T-test analysis of the comparison before and after the change in KUL credit interest rates at PT. Bank Sulselbar Makassar Head Office with the help of SPSS Version 21.0There is a significant difference in Profitability values before and after changes in other public loan rates. The results of the study show that the average profitability value before the change in other public credit interest rates is 32.38% and after the change in other public lending rates by 42.45%. This shows that there was an increase in the average value of profitability of 10.07% due to changes in other public lending rates.Based on the results of the research and discussion that has been done, it can be concluded that the results of the study indicate that there are significant positive differences in the value of profitability before and after changes in other public credit interest ratesKeywords: Profitability, Interest Rate
Relasi Prinsip Tauhid dalam Ekonomi Islam terhadap Pemikiran Etika Murthada Muthahari Nugraha Hasan
Tasharruf: Journal Economics and Business of Islam Vol 4, No 2 (2019): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v4i2.1019

Abstract

Ethics is an interesting discussion because the principle recognizes ethical values, such as fairness and honesty. Ethics give instructions to humans how to do good and avoid the bad. This research is a type of qualitative research and includes literature studies using literature, in the form of books, articles, and the results of previous research. Data obtained through literature review are direct and indirect quotations. Human ego which cannot be controlled will damage the value system that God has created. God created man to carry out the task of khalifah on earth. Where humans must protect and prosper the earth. So in running the wheel of the human economy must pay attention to all aspects so as not to conflict with Islamic values. All forms of cheating or fraud and negative actions are strictly prohibited in Islamic economics. This is an important point of the caliph's principle, which apply Islamic values in the running of the economy for human life. The results of this paper state that tauhidad is the root of the moral principles of the faithful that cannot be uprooted by any power. When the feeling of the subconscious turns into conscious, then all human actions can be categorized as moral deeds. That is what is reflected in the person of the holy men. 
Internalisasi Goal Congruance untuk Pendeteksian Financial Statement Fraud Berbasis Behaviour Audit (Studi Kasus KAP Benny dan Rekan) Jamaluddin Majid; Alfian Fani; Marwah Gama
Tasharruf: Journal Economics and Business of Islam Vol 4, No 2 (2019): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v4i2.1022

Abstract

This research aims to reveal goal congruence for the financial statement fraud- based behavioral audit. financial statement fraud. The agency relationship theory is a contract between the auditor (agent) and the principal (principal). Agency relationships arise when one or more principals employ another person (agent) to provide a service and then delegate authority to decision making to the agent. This study was conducted at KAP Benny and colleagues using qualitative research using phenomenology approach using secondary data and primary data analyzed using interview and interview method using tools in the form of recorder and manuscript aid and tested its validity. The result of this research is shown by case from from 2015 to 2017. In 2015 there was 86.3% of cases, in 2016 there was 86.7% and down in 2017 by 3.68%. Auditors' perception of goal congruence can help in achieving the goal of information that is not synchronized with other information. For that in building a good goal congruence then we need to build the ethics of an auditor.
Distribution in Islamic Economic Perspective (Critics to Capitalist) Telsy Fratama Dewi Samad
Tasharruf: Journal Economics and Business of Islam Vol 4, No 2 (2019): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v4i2.1023

Abstract

Distribution is one of the economic topics that is necessary to be discussed, mainly the distribution of wealth because it concerns the effort to achieve prosperity for all levels of society in a country through equitable distribution of wealth. In this article, we will discuss the concept of wealth distribution both from conventional perspective, which is based on capitalist ideology and from the perspective of Islamic economics. As the public understanding about capitalism, it is one of the economic comprehension carried by the Father of Economics "Adam Smith" which emphasizes the individual freedom in managing assets without government intervention. Capitalism has led to injustice and income inequality in the community, causing conflict and creating permanent poverty for the citizens of society. Islam refers the process of distribution of wealth following Islamic principles. Islam prevents the accumulation of wealth in certain small groups and promotes the distribution of wealth to all levels of society. This research is descriptive qualitative based on the study of literature such as books and other literature that are relevant to the problems considered by the author. The purpose of this study is to understand the concept of wealth distribution based on Islamic economic and capitalist economic perspectives. The result of this article concluded that the capitalist wealth distribution system should be replaced by the Islamic economic system that emphasizes the value of freedom as well as the behaviour of human based on religious teachings and the value of justice in ownership.

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