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bakhrul huda
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El-Qist : Journal of Islamic Economics and Business (JIEB)
Published by Universitas Islam Negeri Sunan Ampel
ISSN : 22527907     EISSN : 27160335     DOI : https://doi.org/10.15642/elqist
Core Subject : Economy, Science, Social,
Economics, Econometrics & Finance Library & Information Science Social Sciences
el-Qist: Journal of Islamic Economics and Business (JIEB) Merupakan jurnal yang terbit dua kali dalam satu tahun, bulan April dan Oktober, berisi kajian-kajian Ekonomi dan Bisnis Islam, baik berupa artikel konsepsional ataupun hasil penelitian
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 4 Documents
 1 
Search results for , issue "Vol. 8 No. 2 (2018): October" : 4 Documents clear
PINJAMAN ONLINE PERSPEKTIF EKONOMI ISLAM Nur Fauzi, Fatimala; Ayu Mulyaningsih, Diah; Lutfiah, Warda; Musfiqoh, Siti; Abdul, Hakim
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1638-1658

Abstract

Agama Islam sudah menjelaskan bahwa segala aktifitas ekonomi diperbolehkan untuk memenuhi kebutuhan hidup sehari-hari dengan syarat mekanisme untuk memenuhi berbagai macam kebutuhan tersebut tidak menyimpang dari ketentuan syari’ah yang ada dalam al-Qur’an dan Hadis yang menjadi sumber hukum pokok dalam agama, dan juga ijtihad para ulama. Kemajuan teknologi menjadikan aktifitas ekonomi ikut bergeser, di mana yang dulunya secara konvensional dengan mengharuskan bertemu secara fisik. Namun di era kemajuan teknologi ini, cara konvensional tersebut mulai ditinggalkan sebab kurang efisien dan seterusnya. Artikel ini ingin menjawab tentang bagaimana praktik pinjaman online perspektif ekonomi Islam?. Dengan metode studi pustaka, penulis akan menganalisis kasus yang terjadi di Solo terkait pinjaman online secara normatif dalam kaidah fikih ekonomi syariah, di mana hasil dari analisis kami dapat kami simpulkan bahwa pinjaman online yang ada di Solo cenderung mengandung madharat
PRIZE LOTS IN ISLAMIC PERSPECTIVE (Case Study of Lucky Draw at Bank BNI Syariah KCP Ampel Surabaya) Layyinah, Layyinah; Chabibah, Umi; Solikhawati, Anisa; Hakim, Abdul; Musfiqoh, Siti
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1659-1675

Abstract

Abstract This study aims to find out more about the law of prize lots according to the Islamic perspective. The prize lots with prizes is increasingly prevalent in the community, and is becoming a familiar thing. Prize lots is one form of allowing products in an institution, especially in the banking world. Prize lots in BNI Syariah banks is carried out to attract customers to transact using Syariah Banks. This study uses a qualitative method based on literacy theory and methods. This study is based on the laws that exist in the Qur'an, hadith, and fiqh rules that allow Prize lots with terms and conditions that do not come out of Islamic teachings. In this study, the practice of the iB Hasanah BNI Syariah Savings Prize lots is that the customer opens an iB Hasanah Savings account at Bank BNI Syariah KCP Ampel Surabaya and if the customer has a minimum balance or meets the requirements to participate in the lucky draw, the bank will automatically provide a lottery number for entered in a lottery to determine which customers are entitled to receive prizes. From this study, the authors can conclude that the practice of Prize lots with iB Hasanah Savings at Bank BNI Syariah KCP Ampel Surabaya is not a gambling practice (maysīr) which is forbidden by Islam because the practice does not fulfill the elements of gambling, namely the presence of a party who bets, the determination of the winner. and done face to face. Keywords: Prize lots, Lucky Draw, Islamic Bank, Prize           Abstrak Penelitian ini bertujuan untuk mengetahui lebih tentang hukum undian berhadiah menurut perspektif Islam. Undian berhadiah semakin marak di masyarakat, dan menjadi hal yang tidak asing lagi. Undian berhadiah menjadi salah satu bentuk memperkenankan produk di suatu lembaga, utamanya dalam dunia perbankan. Undian berhadiah dalam bank BNI Syariah dilakukan agar menarik nasabah untuk bertransaksi menggunakan Bank Syariah. Penelitian ini menggunakan metode kualitatif yang berlandaskan teori dan metode literasi. Penelitian ini didasarkan pada hukum yang ada di Al-Qur’an, hadits, dan kaidah-kaidah fikih yang membolehkan undian berhadiah dengan syarat dan ketentuan yang tidak keluar dari ajaran Islam. Dalam riset ini, praktik Undian Berhadiah Tabungan iB Hasanah BNI Syariah adalah nasabah membuka rekening Tabungan iB Hasanah di Bank BNI Syariah KCP Ampel Surabaya dan apabila nasabah telah memiliki saldo minimum atau memenuhi persyaratan untuk mengikuti undian berhadiah maka secara otomatis pihak bank akan memberikan nomor undian untuk diikutkan dalam undian untuk menentukan nasabah mana yang berhak mendapatkan hadiah. Dari penelitian ini, penulis dapat menyimpulkan bahwa praktik undian berhadiah Tabungan iB Hasanah pada Bank BNI Syariah KCP Ampel Surabaya bukanlah merupakan praktik judi (maisir) yang diharamkan oleh Islam karena praktek tersebut tidak memenuhi unsur-unsur judi yaitu adanya pihak yang bertaruh, adanya penentuan pemenang dan dialkukan secara berhadap-hadapan langsung. Kata Kunci : Undian Berhadiah, Bank Syariah, Hadiah
ANALYSIS OF THE HEALTH LEVEL OF BRI SHARIA BANK THROUGH RGEC METHOD FROM 2016 TO 2020 Ali Mustofa, Imam; Nurhayati, Nurhayati; Fatwa, Fajruddin; Musyafa’ah, Suqiyah; Iqbal Surya Pratikto, Muhammad
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1676-1703

Abstract

With this research, it can be known whether or not BRI Syariah Bank is healthy through the application of the RGEC method from 2016 to 2020. In carrying out an analysis of the health of BRI Syariah banks, the author uses technical analysis of the data through the application of the RGEC method. This research uses a descriptive quantitative approach that uses the RGEC method or steps through 4 analysis components consisting of Risk Profile, GCG, Earnings, and Capital. Where the ratios contained in each component of the analysis are contained in a financial report. This study resulted in a conclusion that the soundness of BRI Syariah banks in 2016-2020 that applied the RGEC method assessed through four analysis components and eight ratios consisting of NPF, FDR, PDN, ROA, ROE, NI, BOPO, and CAR obtained a healthy rating.
ANALYSIS OF HEALTH LEVEL FINANCIAL STATEMENTS AT BPRS BHAKTI SUMEKAR USING CAMEL METHOD 2016-2020 Nur Vitasari, Putri; Hadi, Abd; Junaidy, Basith; Yunan Atho’illah, Akhmad; Azizah, Imroatul
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 8 No. 2 (2018): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2018.8.2.1704-1721

Abstract

Abstract This research was conducted in order to determine the level of health at BPRS Bhakti Sumekar where the CAMEL method, that is Capital (capital), Asset Quality (asset quality), Management (management), Earning (profitability), and Liquidity (liquidity), was used in this study, and the period used was 2016-2020. Assessment of the bank's soundness level is also very important for a company itself, because by knowing the bank's health, the manager can make changes that can support the goodness and also the company's policies going forward. This research data collection method is by reviewing company records or documents. The results of the 2016 - 2020 BPRS Bhakti Sumekar Health Study show that the CAR ratio, BOPO is considered very healthy, while the PDN ratio is considered healthy even though the table does not show any movement in the level of health because BPRS Bhakti Sumekar is a non-foreign exchange bank, then FDR and ROA is considered healthy, and the ROE and FDR ratios are considered quite healthy because of all the results of these ratios, some are included in the moderate category; healthy

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