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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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Zakat menjadi Instrumen dalam Mewujudkan Stabilitas Perekonomian Asnaini Asnaini
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.v8i1.12181

Abstract

Zakat that is managed properly and professionally will support the formation of economic conditions that grow with equity, increase productivity accompanied by equal distribution of income and increase employment for the community. Potential as a source of spending in Muslim communities, a source of funds to overcome various kinds of social costs caused by human relations, and able to build economic growth as well as the inclusion of income economic growth with equity. This will indirectly prevent usury practices, create economic cooperation, and social security, and most importantly can lift the economy of weak people which has an impact on maintaining economic stability. This is where the importance of the role of the state in the management of zakat lies, so that economic, social, and educational functions in Zakat obligations can be realized.
Analisis Peran Zakat Produktif di Kampung Zakat Desa Sulung dengan Metode Center of Islamic Business and Economic Studies-IPB U Sulia Sukmawati; Muhamad Paizal; Srihani Srihani; Wahyu Perdana
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.v8i1.9975

Abstract

One of the complex problems in Indonesia that is difficult to solve is poverty.  In Islam, zakat can be used as a solution in poverty alleviation. The Ministry of Religious Affairs together with the National Amil Zakat Agency In 2018 cooperated in organizing zakat villages, initially there were only 7 zakat villages nationwide and Sulung village was selected as the only zakat village in West Kalimantan. In a study entitled Analysis of the Role of Productive Zakat in Kampung Zakat Sulung Village With the CIBEST Method. Researchers aim to examine the role of zakat in improving mustahik welfare, this research is a quantitative study with a Cibest model approach with primary data. The results showed that before the zakat village program, the 7 mustahik were in quadrant 1 which means materially poor but spiritually rich, while the changes obtained after receiving productive zakat, the 7 mustahik families experienced changes, namely 5 mustahik families shifted to quadrant II i.e. spiritual and material well-being.
Pengaruh Promosi, Kemudahan, dan Manfaat Terhadap Keputusan Penggunaan Transfer Shopeepay Mahasiswa FEBI IAIN Ponorogo Felianti Dwi Wulandari; Husna Ni'matul Ulya
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.v8i1.10525

Abstract

One of the most popular types is e-wallet is ShopeePay. ShopeePay is the first and largest digital payments in Indonesia. ShopeePay continues to add to its product innovations, one of the innovations is the transfer feature to various banks. This study aims to determine the effect of promotion, convenience and benefits on the decision to use ShopeePay transfers for FEBI IAIN Ponorogo students. This research is classified as quantitative research. The population in this study were FEBI IAIN Ponorogo students with a sample size of 100 students, who had used the ShopeePay transfer feature. The sampling technique used Cochran using multiple linear regression analysis methods using the SPSS 25 program. The results showed that the influence of promotion, convenience and benefits had a significant effect on the decision to use the ShopeePay transfer for FEBI IAIN Ponorogo students. Then from the test results the coefficient of determination (R2) shows that perceived promotion, perceived convenience and perceived benefits affect interest in use by 45%, the remaining 55% is influenced by other factors / variables outside this research.
Keputusan Penggunaan BSI Mobile Ditinjau dari Kemudahan, Kemanfaatan dan Keamanan Fitur Layanan pada Generasi Milenial di Wilayah Solo Raya Fuad Hasyim; Sherly Oktaviana; Desila Putri
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.v8i1.8850

Abstract

Raya area still choose to use conventional bank services and have not yet used Islamic bank services.  This study aims to determine the effect of convenience, benefit and security variables on the use of BSI Mobile.  The sampling technique used clustered and random sampling methods.  The population obtained from each region is 1,412,000 people, resulting in a minimum sample size of 107 respondents.  Analysis of the research data using multiple linear regression analysis.  The results of this study show that the convenience and benefit variables significantly influence the decision to use the mobile banking, while the security variables does not affect the decision to use BSI Mobile
Pengaruh Religiusitas Terhadap Impulse Buying dengan Intensitas Penggunaan Paylater Sebagai Variabel Intervening pada Generasi Milenial Faiqul Hazmi
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.v8i1.10841

Abstract

This study reveals the role of religiosity in influencing of impulsive buying risk. almost of the online shopping provide a paylater feature that helps users to purchase goods with payment at a later date (online debt). The object of this research is the millennial generation. The method used is quantitative using SmartPLS as a statistical tool. The results show that (1) The level of religiosity has a negative effect on impulse buying, meaning that the more religious a person will decreases of impulsive buying behavior; (2) Religiosity has a significant negative effect on the intensity of using paylater, meaning that the more religious a person will decrease behavior of indebtedness through paylater on online shopping; (3) The intensity of using paylaters has a significant positive effect on impulse buying, meaning that debt behavior through paylaters risks increasing impulsive purchases; (4) Religiosity has a significant negative effect on impulse buying with the intensity of using paylater as an intervening variable. This indicates that Religiosity is a variable that negatively affects impulse buying, so that the dimensions in Religiosity can be strengthened, which can reduce wasteful and wasteful lifestyles. caused by impulsive purchases without going through careful purchase considerations.
Pengelolaan Modal Kerja dalam Menjaga Tingkat Likuiditas dan Profitabilitas Pada BMT- Al Hidayah Lombok Timur Ainul Arofah; Zaenudinmansyur Zaenudinmansyur; Zupawati Zulpawati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.11922

Abstract

This research aimed to determine the working capital management  in maintaining liquidity and profitability levels and how the impact of the policy which has been implemented. This research was descriptive 0qualitative research using primary and secondary data, with data collection techniques namely observation, interviews and documentation of the financial reports from 2019 to 2021. The analysis used was data reduction, data presentation, drawing conclusions, and financial report analysis used the calculation of liquidity and profitability ratios.The results of the research showed that the working capital management policy used by BMT AI-Hidayah in maintaining the level of liquidity, namely establishing partnerships with sharia banks and non-banks, setting cash budgets, and allocating the funds to branch offices, while the policy used by BMT in maintaining its profitability level was distribution in the funding form. The impact of the policy implemented by BMT in terms of liquidity, namely having sufficient funds in its operations to pay the obligations. It can be seen in the ratio calculation from 2019 to 2021. NWC, current ratio, cash ratio  are in a fairly good category. the impact on the profitability side was that BMT has increased revenue and this can be seen in the ROE calcultion which is in the very good category,  while the ROI calcultion is in the fairly good category.
Aspek-Aspek Dalam Perbankan Syariah Dan Implementasinya Dela sari; Erika Anjung Fatayanti; Redho Arifin Redho arifin
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12284

Abstract

There are at least four aspects of Islamic banking: meeting the needs of people who cannot accept the concept of interest, establishing a dual banking system in Indonesia, lowering the systemic risk of financial system failure in Indonesia, and encouraging the role of banking in driving the real sector while limiting speculative or unproductive activities. As a result, the primary goal of Islamic banking is to eliminate interest from all transactions and achieve a fair distribution of income and wealth, justice, the foundation of Islamic financial mechanisms will be able to realize more fair and transparent economic activities, benefits, and balance. As a result, sharia values must be examined from both a micro and macro level.
Peran Asuransi Syariah dalam Menyediakan Perlindungan Finansial yang Islami Abed Nego Siregar; Endang Endang; Fera Daniaty Nababn; Putri Titin Sianturi; Rafli Ramli; Samuel Tobing
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12247

Abstract

This study investigates the development and impact of sharia insurance in Indonesia, the country with the largest Muslim population in the world. The Islamic financial market in Indonesia has great potential because the majority of the population is Muslim. This study analyzes publications and journals in Indonesia that discuss sharia insurance using the literature review method. The research results show that sharia insurance has developed into a contemporary financial company that is able to compete with conventional insurance. Based on the main principles of Islam, such as Aqidah, Al Itu, Prophethood, Khilafah, and Ma'ad, sharia insurance includes products such as life insurance, education insurance, and health insurance. The sharia life insurance business uses tabarru' and mudharabah contracts to manage participant funds, which are invested in accordance with Sharia law. The concept, legal sources, sharia supervision, agreements, ownership and management of funds, premiums, and sources of payment for sharia insurance claims are different from conventional insurance. Through mutual cooperation, investment, and providing financial needs when risks occur, sharia insurance helps build a sustainable sharia economy. However, the economic crisis, capital needs, competition in regional markets, shortage of human resources, lack of public awareness, and product distribution problems are all the problems facing sharia insurance. Further efforts are needed to overcome difficulties and increase public understanding of the importance of sharia insurance.
Efektifitas Penghimpunan Dana Zakat (Studi Badan Amil Zakat Nasional Kota Bengkulu Tahun 2022) Tri Wiwin; Supardi Supardi; Katra Pramadeka
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12209

Abstract

The aim of this research is to determine the effectiveness of collecting zakat funds at BAZNAS Bengkulu City and to find out how effective BAZNAS Bengkulu City's zakat fund collection is. This type of research is a mixed method which is a combination of qualitative and quantitative approaches by calculating a number of ratios related to the collection of zakat funds in 2022 and using descriptive aims to describe the conditions of effectiveness of the collection of BAZNAS zakat funds in Bengkulu City. From the results of this research it can be concluded that: The effectiveness of BAZNAS City Bengkulu zakat fund collection is effective as seen from the effectiveness indicators of Duncan's theory, while from the calculation results of the formula 20 ratio measurement, zakat fund collection is quite effective with a result of 5.18% with an interpretation of 2% < R < 5% so there needs to be an evaluation of the collection of zakat funds so that it is effective and has a wide impact, especially for the people of Bengkulu City. 
Pengelolaan Dana Zakat, Infak dan Sedekah (ZIS) dalam Peningkatan Ekonomi Mustahik Pada BAZNAS Provinsi Bengkulu Rista Putriana Putriana; Eka Sri Wahyuni; Nonie Afrianty
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (2023)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v8i2.12292

Abstract

ZIS funds are potential funds that can be used to build community welfare in the form of revolving (productive) funds. Management of ZIS funds is carried out through the Bengkulu Province National Zakat Agency (BAZNAS). It is known that the management of ZIS funds must reach a distribution stage that is productive, empowering and seeks to optimize the potential of mustahik. Distribution of ZIS funds can be carried out through various forms of providing business capital and business equipment to mustahik. BAZNAS issued regulations regarding zakat management through the Republic of Indonesia National Zakat Amil Agency Regulation Number 4 of 2018 concerning Reporting on the Implementation of Zakat Management. The research method used is a descriptive analytical method with a qualitative approach. The results of this research show that: 1) The ZIS fund collection system by BAZNAS Bengkulu Province is carried out using social media and payment of ZIS funds is carried out using an inter-bank transfer system and directly. 2) The distribution of ZIS BAZNAS funds in Bengkulu Province is carried out productively through business program capital (3) Standard monitoring of ZIS funds is carried out by means of a sharia audit which is a report every 6 months. From the results of research by interviewing ten mustahik people, it was found that productive management of ZIS funds can increase mustahik income before and after receiving ZIS fund assistance.

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