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Contact Name
Esti Alfiah
Contact Email
babul.ilmi@iainbengkulu.ac.id
Phone
+6281366369609
Journal Mail Official
babul.ilmi@iainbengkulu.ac.id
Editorial Address
Jl. Raden Fatah Pagar Dewa Kec. Selebar Kota Bengkulu
Location
Kota bengkulu,
Bengkulu
INDONESIA
Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah
ISSN : 25274163     EISSN : 2654332X     DOI : 10.29300
FOCUS :The focus of Jurnal Baabul Al Ilmi is to provide scientific article of islamic economic that developed in attendance through the article publications, research reports, and book reviews. SCOPE :Jurnal Baabul Al Ilmi welcome papers from academicians on theories, philosophy, conceptual paradigms, academic research, as well as religion practices. In particular, papers which consider the following general topics are invited.
Articles 8 Documents
Search results for , issue "Vol 5, No 2 (2020)" : 8 Documents clear
Manajemen Pengelolaan Dana SBSN di Kementerian Agama Tahun 2016-2019 Medina, Desmi Avicena
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3683

Abstract

The construction of facilities originating from State Sharia Securities (SBSN) funds has made an important contribution to increasing access to services of public interest. Using a qualitative approach , this study shows that the SBSN Fund Management System at the Ministry of Religion has supported the implementation of infrastructure development programs for the provision of religious education services, hajj services, socio-religious services and other religious services. Although it has generally been declared successful in the construction of facilities originating from SBSN funds, the constraints faced remain so that continuous innovation is needed in the construction of SBSN facilities within the Ministry of Religion
Studi Komparatif Keuangan Bank Syariah Mandiri Periode 2013-2018 Dengan Metode Common Size Wahyuni, Eka Sri
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3650

Abstract

Penelitian ini bertujuan untuk mengetahui perbandingan kinerja keuangan Bank Syariah Mandiri sebelum (2013-2015) dan sesudah (2016- 2018) penerapan hedging dengan menggunakan metode common size. Jenis Penelitian ini adalah penelitian kuantitatif dengan menggunakan metode pendekatan komparatif yang berdasarkan pada data sekunder berupa laporan keuangan pada Bank Syariah Mandiri periode 2013-2018 yang diperoleh dari website resmi Bank Syariah Mandiri. Uji hipotesis yang dilakukan adalah uji paired sampel t-test Hasil penelitian ini menunjukkanbahwa terdapat perbedaan kinerja keuangan bank sebelum dan sesudah penerapan hedging dilihat dari sisi aktiva, tidak terdapat perbedaan kinerja keuangan bank sebelum dan sesudah penerapan hedging dilihat dari sisi liabilitas dan terdapat perbedaan kinerja keuangan bank sebelum dan sesudah penerapan hedging dilihat dari sisi Laba Rugi
Musyarakah mutanaqishah Pada Perbankan Syariah di Indonesia: Pendekatan Maqasid Syariah Yarmunida, Miti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3652

Abstract

This study aims to identify the implementation of the musyarakah mutanaqishah contract in Islamic banking in Indonesia based on the Islamic maqasid review. This research uses descriptive qualitative method. The research data were collected using the documentation method. The data used in this research is secondary data obtained from various sources regarding the provisions of sharia fatwas, sharia standards, statutory regulations, operational and practical standards in Islamic banking, as well as the results of relevant research and publications. The data were analyzed using the inductive method. The analysis of the implementation of the musyarakah mutanaqishah contract is carried out based on the maqasid sharia approach. The results of the study found that the implementation of the musyarakah mutanaqishah contract as an alternative to mudharabah financing in Islamic banking, from the aspect of risk charging and equal partnerships, was not in accordance with the maqashid sharia and existing regulations in Indonesia
Analisis Pengaruh Karakteristik Bank, Faktor Makroekonomi terhadap Pembiayaan Sektor UMKM pada Perbankan Syariah di Indonesia Lestari, Lutfi Bangun; Afandi, Akhsyim
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3532

Abstract

MSMEs have an important role in national economic development, but capital is still the main problem faced in developing MSMEs. Islamic banking has a main function, one of which is channeling financing. However, the trend in financing the MSME sector always fluctuates from year to year and tends to decline. This study aims to analyze the effect of bank characteristics and macroeconomic factors on the financing of the MSME sector in Islamic banking in Indonesia. This study uses time series data which is monthly data on aggregate financial statements of Islamic Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this research is Autoregressive Distributed Lag (ARDL). The results showed that the variables that affect the financing of the BUS MSME sector in the short term are return on assets (ROA) and the interest rate (BI_Rate). Whereas in the long term, the variables that affect the financing of the BUS MSME sector are the bank office network (JKB) and inflation. While variable third party funds (DPK), non-performance financing (NPF), exchange rates, equivalent rate of financing (ERP) both in the short term and long term have no effect on the financing of the BUS MSME sector. Then the variables that affect UUS MSME sector financing in the short term are the bank office network (JKB), return on assets (ROA) and the interest rate (BI_Rate). Whereas in the long term, the variable that affects UUS MSME sector financing is the bank office network (JKB). Meanwhile, the variable of third party funds (DPK), non-performance financing (NPF), exchange rate, equivalent rate of financing (ERP) both in the short and long term had no effect on the financing of the UUS MSME sector. 
Menekan Angka Kesenjangan Sosial di Indonesia melalui Sustainable Development Goals Perspektif Ekonomi Islam Hakim, Abdurrahman
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3365

Abstract

This paper aims to describe solutions to reduce social inequality in Indonesia. The use of Islamic economic principles is offered by the author because it has the appropriate value of justice and equity to solve problems arising from sustainable development. Even though it is oriented towards fulfilling the future, it turns out that the concept of sustainable development has not been able to become the solution expected by the community, especially those in remote and border areas. The research method used in this paper is library research. Sources of data use secondary data in the form of journals, books, newspapers, mass media, and online media. The results of this study provide recommendations to the public and government to make use of natural resources based on the basic principles of Islamic economics, namely ownership of Allah alone, freedom to utilize resources, and balance.
Tingkat Islamic Financial Literacy dan Penggunaan Fintech Terhadap Financial Inclusion UMKM Kawasan Pondok Pesantren di Kota Jombang Lik - Anah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3551

Abstract

The UMKM in Islamic Boarding School area continue to experience an increase in financial transactions in line with the increase in banking financial services, especially Islamic banking financial services, for example: BPRS, Syariah Bank, BMT and Micro Waqf Banks which are located around the area. The purpose of this study is to find out the level of Islamic financial literacy and the use of Fintech of UMKM in the Islamic boarding school area in Jombang. This is based on the data that the number of research is included in associative research with purposive sampling technique of all UMKM which are located in the Islamic boarding school area in Jombang, with the criteria of UMKM which have used Fintech services and banking services as the requirement in the area of financial inclusion. The method used in this research is multiple linear regression analysis which is strengthened by qualitative analysis to find out the quality of financial inclusion. The results showed that Islamic financial literacy has a positive and significant effect on financial inclusion. The use of Fintech has a positive and significant effect on UMKM financial inclusion. Islamic financial literacy and the use of Fintech have a positive and significant effect on the financial inclusion of UMKM in the Islamic boarding school area in Jombang city.
Implementasi Akad Ijarah-Asset To Be Leased pada Transaksi Sukuk Ritel di Bank Syariah Mandiri cabang Jombang Azizuddin, Imam
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3653

Abstract

Retail sharia bond/sukuk (sharia obligation) becomes investors’ most favorable retail. It is reflected by the high demand of obligation in every implementation of emission accomplished. This research aims to know the implementation of ijara – asset to be leased agreement on the retail sharia bond transaction, and the constraint faced by banks in its implementation. This research uses a descriptive qualitative approach which elaborates the result of observation on the implementation of ijara – asset to be leased agreement on the retail sharia bond transaction. It is then explicated in form of narration and implementation scheme. The instruments are primary data which are collected directly from the informants and secondary data in form of literatures, product brochures, and previous researches. The result shows that the agreement used by bank in the implementation of Ijarah – Asset to be Leased agreement on the retail sharia bond transaction contains trading agreement (al-bay’) of the underlying asset. The use of wakalah agreement is required when the right to issue sukuk as a representative in the sukuk rental process to the underwriter. On the other hand, a kafalah agreement is required when the right to issue emissions provides guarantees to sukuk management agencies issued. The constraints faced by the bank in the implementation are the fact that the society is still lack of information about sukuk and the customers of retail sharia bond still has incomplete administration data.
Pengaruh Kualitas Layanan dan Penanganan Keluhan terhadap Loyalitas Nasabah dengan Kepuasan sebagai Variabel Intervening (Studi Kasus BPRS Suriyah Cabang Salatiga) Ratno, Fernaldi Anggadha
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (2020)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v5i2.3504

Abstract

The purpose of this study was to determine the effect of Quality of Service (X1) and Complaint Handling (X2) to Customer Loyalty (Y) with Satisfaction (Z) as an intervening variable. This study uses quantitative methods because it aims to confirm the data  obtained in the field with existing theories. Samples were obtained as many as 100 respondents of BPRS Suriyah Salatiga with accidental sampling technique. The data used in this study are primary data with a questionnaire. Data analysis used statistical tests through ttest test, f test, coefficient of determination (R2), instrument test, classical assumption test and Path Analysis test with the help of SPSS version 20. The result of this study indicate that service quality has a positive and significant effect on customer satisfaction, complaint handling has a positive and significant effect on customer satisfaction, service quality has a positive and significant effect on customer loyalty, complaint handling has a positive and significant effect on customer loyalty, satisfaction has a positive and significant effect on customer loyalty, satisfaction mediates service quality to customer loyalty, and satisfaction mediates complaint handling to customer loyalty.

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