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Ali Muhayatsyah
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Sekterariat Jurnal AT-TIJARAH, Gedung Fakultas Ekonomi dan Bisnis, Lantai 2, kampus IAIN Lhokseumawe Jln. Medan-Banda Aceh, Km. 275 No. 1 Buket Rata, Alue Awe Kecamatan Muara Dua, Kota Lhokseumawe, Provinsi Aceh. Kode Pos 24351
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INDONESIA
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27215482     EISSN : 27455696     DOI : -
Core Subject : Religion, Economy, Science, Social,
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences
AT-TIJARAH: Journal Islamic Banking and Finance Research is a scientific journal managed by the Islamic Banking Study Program, Faculty of Islamic Economics and Business, IAIN Lhokseumawe. This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance. The AT-TIJARAH Journal is published twice a year, in June and December, the first issue of June 2019.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019" : 6 Documents clear
ANALISIS MEKANISME KLIRING PADA KANTOR PERWAKILAN (KPW) BANK INDONESIA (BI) LHOKSEUMAWE Putri, Juliana; Dewi, Ratna Sari
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. Keyword: Clearing Mechanism, Bank Indonesia. Abstrak Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. Kata kunci: Mekanisme Kliring, Bank Indonesia.
EFEKTIFITAS PENDIDIKAN DAN PELATIHAN TERHADAP SELLING SKILL, KNOWLEDGE DAN BUDAYA KERJA KARYAWAN BANK ACEH CABANG IDI KABUPATEN ACEH TIMUR PASCA KONVERSI Zulfadly, Zulfadly; Tarlis, Andi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The formulation of the problem in this research is the effectiveness of education and training effect on Selling Skill of employees of Bank Aceh After Conversion amounting to 1220 that is on score "Very High". Does the effectiveness of education and training affect Selling Skill, Knowledge and work culture of Bank Aceh after Conversion employees? Selling Skill enters the "Very High" score ranking of 1,212, Knowledge enters the "Very High" score ranking of 1.220 and the Working Culture enters the score ranking "Very Height "of 1.213. This means that the three variables are very effective effect on employees of Bank Aceh Caban Idi East Aceh. Does the effectiveness of education and training affect the employee's work culture that has a very high impact of 1.213, this indicates that in addition to the knowledge that must be owned by employees must also have a good work culture in order to improve the performance of employees of Bank Aceh Branch Idi Aceh Timur. . Although Knowledge becomes the main point of the appraisal result, it remains that other variables should not be ruled out as they are interdependent in order to effectively improve the employee performance of Bank Aceh Branch Idi post-conversion. When viewed from the comparison between Education and Training on Selling Skill, Knowledge and Working Culture, it is known that Training is more effective than education that has a score of 1.222.This indicates that the Aceh Bank should more often provide training to employees in order to improve employee effectiveness Bank Aceh After Conversion. Keyword : Education, Training, Selling Skill, Knowledge, Work Culture Abstrak Rumusan masalah dalam penelitian ini adalah Efektiftifitas pendidikan dan pelatihan berpengaruh pada Selling Skill karyawan Bank Aceh Pasca Konversi sebesar 1.220 yakni berada pada skor “Sangat Tinggi”. Apakah efektivitas pendidikan dan pelatihan berpengaruh pada Selling Skill, Knowledge dan budaya kerja karyawan Bank Aceh Pasca Konversi yakni Selling Skill masuk ranking skor “Sangat Tinggi” sebesar 1.212, Knowledge masuk ranking skor “Sangat Tinggi” sebesar 1.220 dan Budaya Kerja masuk ranking skor “Sangat Tinggi” sebesar 1.213. Artinya bahwa ketiga variabel tersebut sangat berpengaruh efektif terhadap karyawan Bank Aceh Cabang Idi Aceh Timur. Apakah efektifitas pendidikan dan pelatihan berpengaruh pada budaya kerja karyawan yakni terdapat pengaruh yang Sangat Tinggi sebesar 1.213, hal ini menunjukkan bahwa selain knowledge yang harus dimiliki oleh karyawan juga harus memiliki budaya kerja yang baik dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi Aceh Timur. . Walaupun Knowledge (Pengetahuan) menjadi poin utama dari hasil penilaian, akan tetap variabel-variabel yang lain tetap tidak boleh dikesampingkan karena semuanya saling keterkaitan dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi secara efektif pasca konversi.Jika dilihat dari perbandingan antara Pendidikan dan Pelatihan terhadap Selling Skill, Knowledge dan Budaya Kerja, maka diketahui bahwa Pelatihan lebih efektif dibandingkan dengan pendidikan yakni memiliki skor sebesar 1.222.Hal ini menandakan bahwa Bank Aceh harus lebih sering memberikan pelatihan kepada karyawan dalam rangka meningkatkan efektifitas karyawan Bank Aceh Pasca Konversi. Kata Kunci: Pendidikan, Pelatihan, Selling Skill, Pengetahuan, Budaya Kerja
KEPUTUSAN BISNIS DAN TANGGUNGJAWAB DIREKSI DALAM PRINSIP FIDUCIARY DUTIES PADA PERSEROAN TERBATAS Muhayatsyah, Ali
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The main party charged with fiduciary duty is the board of directors. In UUPT No. 40/2007 it does not specifically regulate fiduciary duty but rather regulates general principles. From the general principle of fiduciary duty, directors in managing the company must pay attention to the interests of the company above other interests; directors must act in accordance with the aims and objectives of the company (intra vires), and pay attention to the limitations and restrictions determined by the law and the articles of association of the company. In carrying out their duties as directors, they are required to have in good faith and in full sense of responsibility; Directors must carry out their duties diligently, carefully, and smartly and skillfully. Keywords: Directors, Fiduciary Duty, Business Judgment Rule, Limited Liability Company, Abstrak Pihak utama yang dibebankan kewajiban fiduciary duty adalah direksi. Dalam UUPT Nomor 40 Tahun 2007 tidak mengatur secara khusus mengenai fiduciary duty tetapi mengatur prinsip-prinsip umumnya. Dari prinsip umum fiduciary duty makadireksi dalam mengurus perseroan harus memperhatikan kepentingan perseroan di atas kepentingan lainnya;direksi harus bertindak sesuai dengan maksud dan tujuan perseroan (intra vires), serta memperhatikan batasan dan larangan yang ditentukan UU dan anggaran dasar Perseroan. Dalam melaksanakan tugas sebagai direksi, diharuskan memiliki itikad baik (in good faith) dan tanggung jawab (in full sense of responsibility); Direksi harus melaksanakan tugasnya dengan rajin (diligently), penuh kehati-hatian (carefully), dan pintar serta terampil (skillfully). Kata kunci: Direksi, Fiduciary Duty, Business Judgement Rule, Perseroan Terbatas,
PERUBAHAN PASAR DI ERA DISRUPTIF: ANALISIS ETIKA BISNIS ISLAM Maghfirah, Fitri
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The discourse that occurred as a result of the 4.0 industrial revolution, besides having a positive impact also had a negative impact on some of the old market participants (incumbent) or conventional business people. Many of the incumbents feel threatened, this is because consumers in old markets or conventional markets have started to switch to new markets by incarnating through digital markets or the internet of things / internet for everything. In this article, the author wants to analyze the implications of the disruptive era for the sustainability of conventional markets. The research was conducted through a qualitative methodology, and reviewed through a business approach. Based on the analysis conducted by the author on some general description of the implications of the disruptive phenomenon on the sustainability of conventional markets through the concept of Islamic Business Ethics, the authors conclude that conventional business practitioners in the face of the industrial revolution 4.0, should align their markets with human development in this digital era. This is based on Islamic business ethics principles, which encourage business practitioners to do their best in developing their business. In addition, which is in accordance with the facts, that the occurrence of disruptive phenomena is inevitable, especially in the business world. Therefore, with the incumbent adjustments to new market patterns, this is one of the golden strategies in boosting the market, because inevitably the new market already has a place among consumers in this digital era. Keywords: Market, Disruptive, Islamic Business Ethics. Abstrak Diskursus yang terjadi akibat dari revolusi industri 4.0, selain berdampak positif juga berdampak negatif bagi sebagian incumbentatau para pelaku bisnis konventional. Banyak diantara para incumbent yang merasa terancam, hal ini diakibatkan karena pasar konventional sudah mulai berekonstruksi menjadi pasar baru dengan menjelma melalui digitalmarketplaceatau serba-serbi internet of things/internet for everything.Oleh karena itu, dalam artikel ini penulis hendak menganilisis tentang implikasi dari era disruption terhadap keberlangsungan pasar konventional. Penelitian akan dilakukan melalui metodologi kualitatif, dengan jenis penelitian field research,yang ditinjau melalui pendekatan bisnis. Berdasarkan analisis yang penulis lakukan melalui konsep Etika Bisnis Islam, bahwa para pelaku bisnis konventional dalam menghadapi revolusi industri 4.0 yang berimplikasi pada perubahan pasar haruslah berusaha menyelaraskan pasar mereka dengan perkembangan manusia di era internet for everything ini. Hal tersebut didasarkanpada prinsip etika bisnis Islam yang menganjurkan para praktisi bisnis untuk melakukan yang terbaik dalam pengembangan bisnisnya. Di samping itu, terjadinya fenomena disruption sudah tidak mungkin bisa dielakkan lagi, khususnya dalam dunia bisnis. Oleh karena itu, dengan adanya upaya penyelarasan oleh incumbent terhadap pola indutrialisasi di era disruption, karenafenomena ini merupakan salah satu peluang emas dalam mendongkrak pasar, dengan kondisi laju pasar yang mau tidak mau pasar baru sudah diterima oleh konsumen di era digital ini. Kata kunci:Pasar Konventional, Disruption, Etika Bisnis Islam.
SISTEM PENJAMINAN SIMPANAN (DEPOSIT INSURANCE SYSTEM) PADA INDUSTRI PERBANKAN INDONESIA Sjafruddin, Sjafruddin
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Banking plays a very important role in the economy along with its function to channel funds from parties who have excess funds (surplus of funds) to those who need funds (lack of funds). If the banking industry does not work well, the economy will become inefficient and the expected economic growth will not be achieved. The risks that are always inherent in the financial and banking sectors, can trigger a crisis at any time and result in a collapse of the country's economy. To overcome the impact of the crisis, the government must pay quite large public costs. This article analyzes several important concepts, namely bank risk and the contagion effect, the operation of a deposit guarantee system that has been implemented in various countries after a financial crisis and how the deposit guarantee program is implemented in Indonesia. The results show that the Deposit Insurance System (DIS) can be implemented through law enforcement system, market discipline, political and economic freedom, low levels of corruption, strict regulations inbanking sector, setting an adequate deposit insurance premium based on the level of bank risk , and selective deposit guarantees. Keywords: Deposit Insurance System,Indonesia Deposit Insurance Corporation, Risk Abstrak Perbankan memegang peran yang sangat penting dalan perekonoman seiring dengan fungsinya untuk menyalurkan dana dari pihak yang mempunyai kelebihan dana (surplus of funds) kepada pihak-pihak yang membutuhkan dana (lack of funds). Apabila industri perbankan tidak bekerja dengan baik, maka perekonomian menjadi tidak efisien dan pertumbuhan ekonomi yang diharapkan tidak akan tercapai. Risiko yang selalu melekat dalam sektor keuangan dan perbankan, dapat memicu terjadinya krisis sewaktu-waktu dan berakibat lumpuhnya ekonomi negara. Untuk menanggulangi dampak krisis tersebut, pemerintah harus mengeluarkan biaya publik cukup besar. Artikel ini menganalisis beberapa konsep penting, yaitu risiko bank dan efek penularan (Contagion Effect),penyelenggaraan sistem penjaminan simpanan yang telah di implementasikan berbagai negara setelah terjadi krisis keuangan dan bagaimana implementasi program penjaminan simpanan di Indonesia.Hasilnya menunjukkan bahwaDeposit Insurance System (DIS) dapat diimplementasikan melalui sistem penegakan hukum yang kuat, disiplin pasar, kebebasan politik dan ekonomi, tingkat korupsi yang rendah, regulasi khususnya di bidang perbankan yang kuat, penetapan premi penjaminan simpanan yang memadai dan berdasarkan tingkat risiko bank, serta pemberian jaminan simpanan yang selektif. Kata Kunci:Deposit Insurance System, Lembaga Penjamin Simpanan, Risiko
STRATEGI BAURAN PEMASARAN INDUSTRI TEMPE DI KOTA LHOKSEUMAWE DALAM PERSPEKTIF EKONOMI SYARIAH Desky, Harjoni; Rahmawati, Rahmawati
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol 1 No 2 (2019): AT-TIJARAH Vol. 1 No. 2 July-December 2019
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

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Abstract

The fall in the sale and purchase figures in the tempe industry in Banda Sakti District, Lhokseumawe City is quite interesting to study. The purpose of this study is to, first, find out the marketing mix strategy; second, knowing the supporting and inhibiting factors; and third, knowing in terms of the tempe home industry Islamic economics. Primary data and secondary data obtained by observation, interviews, and questionnaires, then analyzed using descriptive qualitative methods. The results of the study show: the marketing mix strategy undertaken by the tempe home industry is still traditional, both in terms of product, place, promotion, and price. The supporting factor is one of the traditional foods, which is popular in the community and sterile from chemicals, while the inhibiting factor is the limited raw material for soybeans. The Marketing Mix Strategy in terms of Islamic Economics is as follows: Tempeh products are not prohibited; Prices offered are affordable; Place of marketing in strategic locations and easily accessible; Promotion is not yet fully in accordance with the Islamic economic system, because it has not yet maximized to increase sales, it is evident from the aspect of the strategy that it still is. Keywords: Marketing Mix Strategy, Tempe Industry, Sharia Economy. Abstrak Turunnya angka jual beli tempe di Kecamatan Banda Sakti, Kota Lhokseumawe cukup menarik untuk diteliti. Tujuan penelitian ini untuk, pertama,mengetahui strategi bauran pemasaran yang dilakukan oleh pengusaha industri tempe; kedua, mengetahui faktor pendukung dan penghambat; dan ketiga, mengetahui ditinjau dari ekonomi Islam industri rumah tangga tempe. Data primer dan data sekunder didapat dengan wawancara, observasi, wawancara, dan kuesioner, selanjutnya dianalisis dengan metode deskriptif kualitatif. Hasilnya penelitian menunjukkan: strategi bauran pemasaran yang dilakukan industri rumah tangga tempe masih tradisional, baik dari segi produk, tempat, promosi, dan harga. Faktor pendukungnya merupakan salah satu makanan tradisional, yang populer di masyarakat dan seteril dari bahan kimia, sementara faktor penghambatnya, terbatasnya bahan baku kedelai. Strategi Bauran Pemasaran ditinjau dari Ekonomi Islam adalah sebagai berikut: Produk tempe tidak dilarang; Harga ditawarkan terjangkau; Tempat pemasaran di lokasi strategis dan mudah diakses; Promosi belum sepenuhnya sesuai dengan sistem ekonomi syariah, karena belum memaksimalkan untuk meningkatkan penjualan, terbukti dari aspek strategi masih seperti apa adanya. Kata Kunci: Strategi Bauran Pemasaran; Industri Tempe: Ekonomi Syariah.

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