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Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah
Published by Institut Agama Islam Negeri Bengkulu
ISSN : 25274163     EISSN : 2654332X     DOI : 10.29300
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 132 Documents
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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.
Analisis Pengaruh Layanan Digital Perbankan Syariah terhadap Literasi Keuangan Syariah Generasi Milenial Yasin, Rozaq Muhammad; Lailyah, Nurzahroh; Edris, Mochamad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.4117

Abstract

Good financial literacy, especially in the digital era now is important to be understood by millennials. The digitization of Islamic which is able to provide more efficient, safer, faster financial products and the risk of losing money is less well understood by this generation. Islamic digital banking services like mobile banking and internet banking, which describe the virtual process to support all services, are expected to be able to significantly increase the level of Islamic banking literacy and have a positive impact on business growth in general. This study used a quantitative descriptive research design. The sampling method used purposive sampling method. Data was obtained by using questionnaire which was distributed to 100 millennial respondents who used m-banking or i-banking in Kudus. The answers to the questionnaire were measured using a rating scale, then data was analysed by multiple linear regression. The results showed that m-banking and i-banking had a significant and positive effect to the literacy of millennials about Islamic banks in Kudus. It was proven by a significance value of 0.000 (p <0.05). The R-square value is 0.775, which means the contribution of the influence provided by m-banking and i-banking services to millennials Islamic financial literacy in Kudus is 77.5%, while the remaining 22.5% is influenced by other variables.
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.
Analisis Pembiayaan Mudharabah Bank Pembiayaan Rakyat Syariah Terhadap Nonperforming Financing di Indonesia Tahun 2015-2020 andiman, andiman; Widardjono, Agus
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.4106

Abstract

This study aims to analyze the effect of the type of financing on the Non-Performing Financing (NPF) of Islamic People's Financing Banks in Indonesia for the 2015-2019 period. The research method used is panel data regression with the Fixed Effect model as the recommended model based on the results of the model selection test. The results showed that the Log Mudharabah variable had a negative effect on the Non Performing Financing of Islamic Rural Banks. Mudharabah Log, Non Performing Financing
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.
Peran Pembiayaan Perbankan Syariah terhadap Usaha Mikro Kecil dan Menengah di Masa Pandemi Covid-19 (Studi Kasus pada BSI Kota Bengkulu) Fransiska, Linda; Isnaini, Desi; Oktarinah, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4361

Abstract

This study aims to determine the role of financing for the indonesian syariah bank in the city of Bengkulu in rescheduling, reconditioning, and restructuring of micro, small and medium business customers during the covid-19 pandemic, the research method used is qualitative methods. This type of research includes field research because it directly gets data from the field to find out the real situation. When the research took place at the beginning of September 2020-March 2021 and located at the Bank Syariah Indonesia branch office of S. Parman 2. This research is descriptive and uses two data, namely primary data and secondary data, where the primary data is obtained from Bank Syariah Indonesia Bengkulu city and secondary data obtained from notes, books, website publications, journals, articles, theses, and others. Data collection using three methods, namely observation so that it is directly aimed at the Bank Syariah Indonesia Bengkulu city, interviews to ask questions and answers, and documentation such as archives, reports, and so on. The results of the study are that in addition to still providing financing to customers during the covid-19 period, in rescheduling, the role of the bank is to provide an extension of the payment period, while in reconditioning. MSME customers affected by covid-19 can submit a restructuring application letter, but with the agreement of the two parties who are equally willing, and so is the restructuring, with is the conversion of a financing contract, where MSME customers are given any installment payment relief they can for 1 year.
Implementasi Manajemen Risiko berdasarkan PBI No. 13/23/PBI/2011 Studi: Produk Ijarah Multijasa pada PT. BPRS ADAM kota Bengkulu Yuliza, Meli; Hak, Nurul; Yustati, Herlina
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.5559

Abstract

The purpose of this study was to determine how the application of  risk management in Ijarah Multijasa products at PT. BPRS ADAM. The research method used is a qualitative method with data collection techniques through interviews with 8 respondents and direct observation to PT BPRS Adam. Then the data is described, analyzed  and discussed to answer the problems posed. From the results of this study it was found that the application of risk management based on PBI No. 13/23 / PBI / 2011 on Ijarah Multijasa products at PT. BPRS Adam is in line
Pengukuran Efektivitas Penyaluran Zakat pada Badan Amil Zakat Nasional Provinsi Bengkulu Bahri, Efri Syamsul; Utama, Indra
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.3658

Abstract

The measurement of Effectivity should be done to describe the capacity of zakat management on distributing zakat fund. This research aims to do the measurement about the zakat effectivity distributed by Badan Amal Zakat Nasional (Baznas) Bengkulu. The effectivity of distribution measured by zakat core principle approach with formula ratio of distribution to collection. Data were taken from Baznas Bengkulu for the period 2016-2019. The result of distributed zakat effectivity level shows that ration ACR 100,16 percent as the highly effective category. The average amount of yearly zakat for the period 2016-2019 is Rp. 3.737.002.758 meanwhile the average amount of yearly zakat is Rp3.742.975.174. Based on the result, Baznas Bengkulu have the sufficient capacity to distribute zakat. Because of that, the result of this reseach is important to encourage Baznas Bengkulu on optimalizing the collection and distribution zakat continously in order to maximize the benefit of zakat for Mustahiq.
Penilaian Peforma keuangan Bank Syariah dengan Dupont Method (Studi BSM 2016-2020) Ghoni, Muhammad Abdul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4729

Abstract

In this article the method used to determine the financial performance of PT. Bank Syariah Mandiri is the Du Pont Method. Wich uses three ratios, namely Total Assets Turnover (TATO), Net Profit Margin (NPM), and Return On Investment (ROI). This study focuses on analyzing the financial performance of Bank Syariah Mandiri for the 2016-2020 period and looking at the comparison of financial performance of Bank Syariah Mandiri in the last 5 years. This study uses a quantitative descriptive approach, which describes the numerical data analysis results using quantitative analysis techniques. The following conclusions can be drawn: The highest Return On Investment occurred in 2019 at 1.140% and the lowest occurred in 2016 at 0.413%. In 2019 Return On Investment was above average, this shows that the company's performance in generating profits in that year was very good. The calculation of Return On Investment (ROI) from 2016 - 2020 shows that ROI is still fluctuating and less stable. This illustrates that the BSM merger decision in 2021 is the right decision when viewed from the financial performance.
Pengaruh Kualitas Layanan IBS Mobile terhadap Kepuasan Anggota KSP-PS BMT Artha Buana Metro Nurhayati, Putri
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Institut Agama Islam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i2.4292

Abstract

Along with the development of Islamic banking and Islamic financial institutions, both rural banks and cooperatives ind Indonesia today, the quality of services is an important factor in competitiveness. This happens because banking is a sharia-based service provider. Currently, there are many services provided by bank and non-bank financial institutions to make it easier for custimers to carry out their transaction activities. With the development of sophisticated technologu, it is now easier for customers to make transactions using electronic media without direct contact. This article aims to determine the effect of IBS Mobile on member satifaction at BMT Artha Buana Metro. Data obtained from questionnaires that have been answeres by respondents, namely a simple liner regression. R-Squared of 80,70 % shows that the independent variables not included in this study. Thus the results of the studi indicate that the quality of IBS Mobile services has an effect on the satisfaction of BMT Artha Metro members.

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