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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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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
Peran Ziswaf dalam Memulihkan Ekonomi Umat Akibat Masa Pandemi Covid-19 Amirudin, Choirul; Sabiq, Ahmad Fikri
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.v6i1.4074

Abstract

This research was conducted with the aim of providing solutions and the role of one the Islamic economic instruments, namely zakat, infaq, alms and waqf which can be applied in dealing with economic problems due to the Covid-19 pandemic. In conducting research, researchers used a library research approach and content analysis techniques. The results of the research that show that Ziswaf can be a solution and role to restore the economy due to the Covid-19 pandemic are as follows: (1) Make each village an UPZ to maximize zakat (2) maximize cash zakat and productive zakat (3) maximize zakat and infaq management (4) providing educational assistance for students affected by Covid-19, which is prioritized for students majoring in sharia economics so that in the future they can educate the public about Islamic economics.
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 Efisiensi Kinerja Keuangan Lembaga Amil Zakat (LAZ) Rumah Zakat Indonesia dengan Metode Data Envelopment Analysis (DEA) Sidang, Nur Khaerat; Feriyanto, Nur
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.v6i1.4409

Abstract

Poverty in Indonesia is a very difficult problem to overcome. Therefore, one of the efforts to overcome poverty is the empowerment of the potential for zakat, infaq and alms (ZIS). However, the implementation of receipt and distribution of ZIS is still not optimal. This study aims to measure the level of efficiency of the financial performance of the Zakat Management Organization (OPZ), namely the National Zakat Management Organization (LAZ). The population in this study is the national level Indonesian Zakat House for the period 2010-2019. The factors that cause the Indonesian Zakat House to experience inefficiency as well as the policies that will be carried out by the government and the Indonesian Zakat House to improve performance or better governance. The analytical tool used non-parametric quantitative methods, namely Data Envelment Analysis (DEA) with a production approach using DEAP 2.1 software. The type of data used is secondary data in the form of financial statements of the Indonesian Zakat House for the period 2010-2019. There are two variables used in this study, namely the input variable and the output variable. The input variables in this study were operational costs, personnel costs and socialization costs, and total assets, while the output variables in this study were total ZIS funds received and ZIS funds disbursement. This study uses 2 assumptions, namely Constant Return to Scale (CRS) and Variable Return to Scale (VRS). Based on the results of research carried out with the Data Envelopment Analysis (DEA) method, it was found that the performance of Rumah Zakat Indonesia experienced efficiency in 2010, 2011, 2012, 2013, 2014, 2017, 2018 and 2019, namely 100% and Rumah Zakat Indonesia experienced inefficiency, namely in 2015 amounting to 98.1% and in 2016 amounting to 99.5%. Efficiency occurs because the actual value is not the same as the target value set by the DEA.
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. 
Penilaian Kesehatan Bank (Studi Pada PT. Bank Muamalat Indonesia, Tbk. Tahun 2016- 2019) Permata, Citra Puspa
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.v6i1.4397

Abstract

This study aims to determine the financial health of PT. Bank Muamalat Indonesia, Tbk from four aspects in RGEC which is Risk Profile, Good Corporate Governance, Earnings, and Capital. This research is a descriptive study with a quantitative approach. The main data of this study comes from the Annual Report of PT. Bank Muamalat Indonesia, Tbk. from 2016 to 2019, the so-called secondary data were analyzed using the RGEC method. The results showed that in the period 2016-2019, the risk profile aspect of PT. Bank Muamalat Indonesia with the NPF and  FDR Indicator on average is in a healthy financial condition, but the CR indicator showed unhealthy financial conditions. The GCG aspect using self-assessment showed a fairly healthy financial condition, the earnings aspect. with NOM, ROA and average ROE showed unhealthy financial conditions, as well as the capital aspect with average CAR and PR ratios is in very healthy financial conditions.
Minat Menggunakan E-Wallet pada Generasi Milenial dengan Pendekatan UTAUT (Unified Theory of Acceptance Use of Technology) Damayanti, Sindi Livia; Yani, Yepi; Asnaini, Asnaini; Afrianty, Nonie
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.v6i1.3988

Abstract

This study aims to examine the influences of the factors contained in the UTAUT theory to the interest in using e-wallets for the millennials. This study used the analysis of Structural Equation Modeling (SEM) with SmartPLS software. The sample used is 100 millennials respondent in Kota Bengkulu. The sampling technique used was purposive sampling. The purposive sampling is used because this study requires certain criteria such as the age of the respondents in the birth range 1981-2000, using an e-wallet and live in Kota Bengkulu. The data collection technique used google form questionnaire and shared to millennials through social media such as WhatsApp, Instagram, and Facebook. The results of this study indicate that three of the factors in the UTAUT tested consisting of business expectations, social influences, and facility conditions have a positive and significant influences to the interest of the millennials to use e-wallets in Kota Bengkulu, while the performance expectation factor does not have a positive and Significant influences to millennials interest in using e-wallets in the Bengkulu City
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.
Implementasi Pembiayaan Manindo Grameen Syariah dengan Akad Murabahah pada Koperasi Mitra Manindo Cabang Panyabungan Jureid, Jureid
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.v6i1.4228

Abstract

Manindo Grameen Syariah (MGS) product is a non collateral financing product for Koperasi Mitra Manindo customers. It is a solution for the poor in obtaining business financing. Koperasi Mitra Manindo adopts the Grameen Bank system and combine it  with a murabahah agreement to make it easier for poor women to obtain Startup Capital. This study used a qualitative approach with descriptive analysis by describing the actual information obtained from the respondents. Data collection techniques are through documentation, observation and interview with interviewess in order to produce in-depth and objective data. The results of this study conclude that in implementing Murabahah financing, Koperasi Mitra Manindo does not provide goods as Murabahah objects but provides money without using the wakalah contract as a complement to the contract. In this case,  Koperasi  uses a mudharabah financing scheme with a murabahah contract but it still causes damage to the contract due to the absence of object objects. Manindo Grameen Syariah financing with a murabahah contract carried out by the Manindo Mitra Cooperative is not in accordance with the murabahah principle, particularly about the object of goods (mabi '), Koperasi Mitra Manindo is supposed to act as a seller does not have goods to be traded but only provides money as business capital for its members.

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