cover
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 132 Documents
Perkembangan Dana Pihak Ketiga dan Pembiayaan pada Bank Syariah di Masa Pandemi Covid-19 Diajeng Ayunda Candra Kirana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.5883

Abstract

The research was conducted with the aim of analyzing and interpreting the role of Third-Party Funds (DPK) and Disbursed Financing (PYD) on the development of Islamic banking during the Covid-19 pandemic. The research method used is the descriptive qualitative method and data collection was carried out using library research techniques, namely by collecting data from books, journals, theses, and other supporting articles related to the topic of discussion in this study. The data is processed by analyzing various facts and then explained in more detail and easily understood by the reader. The results of this research are the development of Islamic banking is determined from the increase in total assets, Third Party Funds and Disbursed Financing which based on the results of the analysis from year to year has increased although not significantly. Islamic banking has become a stable Islamic financial institution during the pandemic. The highest total assets are in Islamic Commercial Banks. Third-Party Funds during this pandemic are still stable. And in terms of disbursed financing or credit, the highest use is in consumption. DPK and PYD are among the factors that determine the development of Islamic banking in Indonesia, especially during the Covid-19 pandemic.
Analisis Perubahan Kebijakan Pajak di Negara GCC dalam Perspektif Ekonomi Islam Rachmania Nurul Fitri Amijaya; Mohammad Yusron Sholikhin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.8033

Abstract

G.C.C. countries use oil as a significant source of state revenue because the G.C.C. region is a collection of world oil-producing countries. However, since the world oil price slumped from 2005-2008, governments have changed course by imposing taxes on their citizens. The point of this study is to argue the G.C.C. countries that have changed their tax-free system in their economy into countries that apply taxes today. Then, the views of some Muslim scientists related to taxation are related to changes in tax policy in G.C.C. countries. The qualitative method is used in this paper with a critical approach and analysis of several kinds of literature and financial reports relating to changes in tax policy in the G.C.C. area. The results of this study explain that the G.C.C. countries compile a value-added tax of 5%, which is applied to several basic needs such as food, clothing, water, and electricity bills. Later, some Muslim scientists agreed on the existence of taxes for the common good, a source of revenue for public facilities and services.
Pengukuran Kinerja Pengelolaan Zakat Nasional menggunakan Indeks Zakat Nasional (IZN) 2.0 dan Dampaknya terhadap Pengentasan Kemiskinan di Indonesia Periode 2021 Rini Elvira
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.7942

Abstract

The study aims to measure the performance of national zakat management and its impact on poverty alleviation in Indonesia for the 2021 period. National Zakat Index (N.Z.I.) 2.0, formed based on macro and micro dimensions, is used to measure the performance of national zakat management. The General Poverty Index (GPI), with headcount index, income gap ratio, poverty gap, sen index, and F.G.T. index, and the B.A.Z.N.A.S. Welfare Index (B.W.I.), with indicators of the poverty line, had kifayah. Nisab zakat is used to measure the impact of zakat management on poverty alleviation in Indonesia for the 2021 period. The result show (1) The performance of the national zakat management for the 2021 period is considered very good, with an N.Z.I. value of 0,88. (2) Based on the GPI and B.W.I. indicators, the management of national zakat in the distribution sector has been able to improve the welfare of mustahik and alleviate poverty in Indonesia for the 2021 period
Portrait of Public Debt, Fiscal Space, and Debt Impact: Islamic Finance Study on Islamic Countries Territory Zidny Nafi' Hasbi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.7760

Abstract

Policymakers, the Public debt is a problem that the monetary and fiscal authorities have long been concerned about. The amount of public debt concerning fiscal viability and the financial crisis has received a lot of attention recently. This study's goal is to examine and evaluate how the function and impact of debt, both external and internal, on the macroeconomic situation of various countries. The researcher will present several cases of empirical evidence regarding the impact of debt on the socio-economics of a country. The main focus of this research discussion is on the theoretical study of debt and the impact of debt in various countries in the region, as well as the views of Islamic thinkers on public debt. A library study was the research methodology employed. by collecting, identifying, and analyzing articles and related references (literature review) related to the focus research. Furthermore, researchers will examine several cases of portraits of various empirical evidence concerning the country's socioeconomic debt. The findings demonstrate that an Islamic state will be successful based on its ability to collect taxes, alms, and other required and optional sources of income, as well as revenue from public works projects, real estate, and natural resources. To achieve a balanced budget and prevent wasteful spending, the state will implement the middle-at-tawasuth principle.
Privasi, Keamanan dan Niat Memakai Payment Fintech LinkAja pada UMKM Padang Rika Desiyanti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.7827

Abstract

Abstract:         The study has purpose to analyze the effect of privacy and security on the intention to use LinkAja’s payment financial technology. Primary data needed and distribute questionnaire through google form. The sampling technique is simple random sampling with a total sample of one hundred and thirty-six respondents. This study using the Smart PLS program include: measurement model assessment (MMA), descrptive analysis, and structural model assessment (SMA). Results show, it can be conclude that privacy does have a positive effect on intentions to use payment financial technology, and also, security has a positive effect on intentions to use payment financial technology for SMEs’ Padang.Keywords:       Privacy, Security, Intention to Use Payment FintechAbstrak :        Studi ini mempunyai tujuan untuk menganalisis pengaruh privasi dan keamanan terhadap niat memakai payment financial technology LinkAja. Data primer dibutuhkan dalam penelitian ini. Data diperoleh dengan cara mendistribusikan kuesioner melalui google formulir. Teknik penarikan sampel adalah pengambilan sampel acak sederhana dengan jumlah total sampel seratus tiga puluh enam responden. Penelitian ini memakai program Smart PLS meliputi: measurement model assessment (MMA), analisis deskriptif dan structural model assessment (SMA). Dari hasil pengujian menunjukkan bahwa privasi berpengaruh positif terhadap niat memakai payment financial technology, dan keamanan juga berpengaruh positif terhadap niat memakai payment financial technology pada UMKM Padang.Kata Kunci:   Privasi, Keamanan, Niat Memakai Payment Fintech
Evaluasi Kinerja Perbankan Syariah dengan Pendekatan Islamicity Performance Index (IPI) Lita Patricia Novianty; Desi Isnaini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.6362

Abstract

This study aims to determine the performance of Islamic Banking In Indonesia with the IsIamicity Performance Index approach with the ratio of P.S.R., Z.P.R., E.D.R., and I.I.C. This research method uses a quantitative approach. The type of research used is descriptive research with a quantitative approach. The data used is secondary data in the form of the annual report statements of Islamic banking for the 2016-2020 period. The samples in this study were three banks. The results show that the Profit Sharing Ratio (P.S.R.) of B.C.A. Syariah Bank and Bank MuamaIat Indonesia get a good predicate with a value of >30%. In the Zakat Performance Ratio (Z.P.R.), all samples get an insufficient predicate with a discount of <35% The EquitabIe Distribution Ratio (E.D.R.) Qardh and Donations, all models received a vague predicate with a value of <35%. The equitable Distribution Ratio (E.D.R.) of all samples of the workforce also received an unfordable predicate with a value of <35%. fair Distribution Ratio (E.D.R.) The net profit of all pieces received an insufficient predicate with a value <35%. In the ratio of Islamic Income vs. Non-Islamic Income, all models get an excellent predicate with a value of >35% and an average of 99.98%
Mengukur Kesiapan Sumber Daya Manusia Institut Agama Islam Negeri Menuju Universitas Islam Negeri Asnaini Asnaini; Irwan Abdullah; Fatimah Fatimah; Riri Novitasari
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.7973

Abstract

The transfer of the status of Islamic religious universities has the aim that Islamic education has breadth in developing general science based on Islamic science. Among practitioners and activists, this is known as scientific integration. In addition, transformation (alih status) has a very significant impact on all sides. Especially human resources, the main thing is lecturers. This study analyzed the readiness of lecturers' human resources at I.A.I.N. Bengkulu. This study used primary and secondary data—mapping and analyzing the real data of lecturers both in quantity and quality. The results showed that I.A.I.N. Bengkulu has lecturers who are lacking in quantity and low in quality. To solve this problem, UIN FAS Bengkulu must have a roadmap for developing lecturer competencies. The roadmap is structured correctly and done consistently. During the first five years, I.A.I.N. Bengkulu became UIN FAS Bengkulu was strongly encouraged to focus on the development of lecturers and returned to be carried out consistently for the next five years. If it is not done, it will have an impact on the development of the institution in the next ten years. 
Pengelolaan Desa Wisata Rindu Hati Kabupaten Bengkulu Tengah Perspektif Maqashid Syari’ah Mesi Herawati; Nonie Afriyanty
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i2.7353

Abstract

This article aims to analyze the management of Rindu Hati Tourism Village from the perspective of Maqashid Syari’ah. The economic aspect of Islam is focused on the analysis of Maqashid Syari’ah, namely Hifdz Din (maintaining religion), Hifdz Aql (guarding reason), Hifdz Nasl (keeping offspring), Hifdz Nafs (guarding the soul), Hifdz Maal (keeping property). This study uses a qualitative descriptive method with the type of field research. The data used in this study are primary and secondary data analyzed by looking at the Maqashid Syari’ah aspect. The research results show that the management of Rindu Hati Tourism Village, from the perspective of Maqashid Syari’ah, has not met the five criteria of Maqashid Syari’ah as a whole. Still, only a few activities have been seen that lead to the maintenance of Maqashid Syari’ah.
The Influence of NPF, ROA, CAR and FDR On The Financial Distress Of Sharia Bank in The Indonesia Period 2017-2022 Aulia Muannasa; Eliya Najma Muntazeri; Lilik Rahmawati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i1.11059

Abstract

This study aims to see how Non-Performing Financing (NPF), Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR), affect Financial Distress with the Altman Z-Score method approach. The sample of this study used a purposive sampling method and obtained 10 Islamic commercial banks in Indonesia for analysis. The data in this study comes from the annual reports of Islamic Commercial Banks. This study will be analyzed with a panel data regression model. The results of this study indicate that the Capital Adequacy Ratio (CAR) has a significant positive effect on financial distress, while NPF, ROA, and FDR have no significant effect on financial distress during the 2017-2022 period.
Peran BMT Syari’ah Jaya Abadi dalam Peningkatan Pendapatan Usaha Mikro di Kecamatan Giri Mulya Kabuapaten Bengkulu Utara Ade Riang; Desi Isnaini; Amimah Oktarina
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i1.10464

Abstract

The purpose of this study 1) to determine the role of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. 2) To find out what are the obstacles of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. The approach used in this research is non-participant qualitative and descriptive analysis method. Data was collected through direct explanations from the head of BMT Syari'ah Jaya Abadi, Managers and Customers of Syari'ah Jaya Abadi as the unit of analysis for this research. The results of this study indicate that 1) The role of BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely first, fostering an entrepreneurial spirit in the community. Second, being able to suppress the practice of usury in the midst of society. Third, improve people's welfare. 2) The obstacles to BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely the delay in returning customers' capital money and the large number of customers who have not been able to manage their finances.