El Mudhorib Jurnal Kajian Ekonomi dan Perbankan Syariah
About the Journal This journal focuses on Islamic economics thought and Islamic banking, research, literature studies, and present issues. All papers are peer-reviewed by at least two reviewers. The Scope of El Mudhorib: Jurnal Kajian Ekonomi dan Perbankan Syariah is as follow but not limited to: 1. Sharia Economics 2. Management and Sharia Business 3. Islamic Banking 4. Entrepreneurship 5. Sharia Finance 6. Islamic Finance Institution
Articles
35 Documents
<![CDATA[DAMPAK DUAL BANKING SISTEM PADA STABILITAS PERBANKAN DI INDONESIA ]]>
<![CDATA[Shimah Fauziah Yeubun]]>;
<![CDATA[Jukri Baharuddin]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 2 No. 2 (2021) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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DOI: 10.53491/elmudhorib.v2i2.269
<![CDATA[This study aims to discuss the implementation of the dual banking system at the level of banking stability in Indonesia in terms of the framework and the impact it has. The analysis method uses library research to collect reading references related to the dual banking system and banking stability. The results of the study indicate that the application of the dual banking system is following the diverse characteristics of the Indonesian people and the majority are Muslim. As for banking stability with the implementation of this dual banking system, it has a good impact which provides good justification for countries implementing the process due to several benefits including increasing overall banking stability which is good for the economy; can meet the needs of consumers who want products according to their religious beliefs without sacrificing stability; In times of crisis, Islamic banks are better than conventional so they are relatively immune to crises.]]>
<![CDATA[BWM HONAY SEJAHTERA: SOLUSI PERMODALAN UMKM TERDAMPAK COVID-19 DI KOTA JAYAPURA ]]>
<![CDATA[Ahmad Havid Jakiyudin]]>;
<![CDATA[Natasya Aula Husain]]>;
<![CDATA[Muhammad Yusuf]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 1 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[Capital is the main problem for MSMEs to survive during pandemic covid-19. MSMEs actors generally only depend on bank sector, cooperative, and moneylender to overcome these problem. The purpose of this research is to provide the best solutions for MSMEs actors in Jayapura City affected by Covid-19 who have difficulty accessing the capital. This study used a qualitative descriptive method with studi case approached. Data collection through library research and field research from participatory observation, in-depth interviews, and documentation, data analysis techniques using Miles and Huberman techniques in the form of: reducing, presenting data and drawing conclusions. The results of the research conducted indicate that BWM Honay Sejahtera Papua can be an alternative for micro-scale business actors in Jayapura City who have difficulty finding capital without interest and collateral. Capital assistance is given to micro-scale entrepreneurs scattered in Jayapura City such as street vendors, mobile cake sellers, areca nut sellers, etc. BWM Honay Sejahtera Papua provides a capital loan with a mentoring program so that it will form productive MSMEs.]]>
<![CDATA[PENGARUH MOTIVASI MENGHINDARI RIBA DAN PRODUCT KNOWLEDGE PERBANKAN SYARI’AH TERHADAP KEPUTUSAN MENJADI NASABAH PT. BANK SYARI’AH MANDIRI PASURUAN- JAWA TIMUR ]]>
<![CDATA[Imam Wahyudhi]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 1 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[An islamic bank (a sharia bank) is a financial institution functioning as a financial intermediary based on Islamic sharia principles. The factor of obedience with sharia principles and knowledge of financial products are the main factors for consideration for sharia customers. Decreasing in the number of customers for two consecutive years at Bank Syariáh Mandiri Pasuruan becomes temporary concern while Pasuruan City is well known as the city of Muslim students.This research is a quantitive descriptive study using accidental sampling technique. Research will describe the state of the field wich aims to answer the question wether there is a significant effect simultaneously and partially between the independet variable and dependent variable.The results obtained indicate that the motivation to avoid usury and knowledge of banking products simultaneously on the decision to become a customer does not have a positive and significant effect with the proportion of motivation tp avoid usury (x1) and knowledge of sharia banking products (x2) on the decision to become a customer (Y) amounted to 24.7%. Meanwhile, the variable partial test (x1) has no positive effect. For variable (x2) has a significant effect.]]>
<![CDATA[KEPERANTARAAN (WASATHAH) DAN PENERAPAN AKAD YANG TERJADI DI DALAMNYA ]]>
<![CDATA[Muhamad Izazi Nurjaman]]>;
<![CDATA[Arzam Arzam]]>;
<![CDATA[Doli Witro]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 1 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[This article is motivated by the rapid development of the intermediary business which is very much needed in the marketing mechanism. Intermediary in sharia economic law includes new contracts. However, in practice the use of intermediary contracts is schemed in other forms of contracts, such as in the DSN-MUI fatwa on intermediary. Therefore, this article will reveal the intermediary and application of the contract that occurs in it. This article is a study of sharia economic law by taking into account the fiqh of muamalah maliyyah as an analytical lens. Sources of data obtained in the form of primary data sources in the form of DSN-MUI fatwa and secondary data in the form of various scientific literature in the form of books and scientific journals. By using a normative juridical approach that is presented through a descriptive literature method, this study finds the fact that the application of intermediary contracts (wasathah) in sharia economic law can be discussed in wakalah bi al-ujrah, ju’alah and bai’ al-samsarah contracts. So that the use of one of these contracts will affect the mechanism for implementing the contract and the benefits obtained by the wasit party, namely in the form of ujrah from the wakalah bi al-ujrah contract, ju’l from the ju’alah contract and the margin from the excess of the bai’ al-samsarah contract. This shows that the wasathah contract is a contract scheme that adapts to the practices and needs of the community for intermediary services. The implementation of these contracts provides legal certainty in their implementation in accordance with sharia economic principles.]]>
<![CDATA[Pengaruh Kemudahan dan Manfaat Mobile Banking Terhadap Kepuasan Mahasiswa Jurusan Perbankan Syari’ah UIN Sumatera Utara ]]>
<![CDATA[Jelita Handayani Rambe]]>;
<![CDATA[Kiki Andrea Putri Hasibuan]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 1 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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DOI: 10.53491/elmudhorib.v3i1.437
<![CDATA[Mobile banking services provided by Islamic banks offer various conveniences to satisfy some people with ease of transaction. This study aims to determine partially and simultaneously the convenience and benefits of mobile banking and the influence of the most dominant variables on student satisfaction studying Islamic banking at UIN North Sumatra. This research uses quantitative techniques and literature study. The survey sample consisted of 100 respondents who were undergraduate students at UIN North Sumatra and undergraduate students in Islamic banking who used mobile banking. This data collection model uses a survey. The results showed that (a) the "convenience" and "benefit" variables partially had a positive and significant effect on student satisfaction when using mobile banking, and (b) the "convenience" and "service" and "benefit" variables. This also affects student satisfaction with the use of mobile banking. (C) The variable "Convenience" is the most dominant variable affecting customer satisfaction with the use of mobile banking.]]>
<![CDATA[PENGARUH HARGA DAN PROMOSI TERHADAP MINAT BELI KONSUMEN PADA MARKET PLACE SHOPEE ]]>
<![CDATA[Marwati Setiawan]]>;
<![CDATA[Moh Wahib]]>;
<![CDATA[Amris Amris]]>;
<![CDATA[Abd Karman]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 1 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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DOI: 10.53491/elmudhorib.v3i1.439
<![CDATA[The Effect of Price and Promotion on Consumer Purchase Interest at Shopee Marketplace (a Case Study on Students of IAIN Fattahul Muluk Papua) is the result of quantitative research which aims to answer the question about the effect of price and promotion on consumer purchase interest at shopee marketplace among students of IAIN Fattahul Muluk Papua. The research method used was quantitative research. The population in this research were students of IAIN Fattahul Muluk Papua academic year 2016 until 2019. The technique of sample selection was simple random sampling and obtained 89 respondents. The data collection technique used a questionnaire. The data analysis technique used multiple linear regression. Data analysis test used SPSS 16.0 application. The research results show that price partially influences consumer purchase interest at shopee marketplace. This is proven by the value of t count in the amount of 2.940 and significance 0.004. Promotion partially influences consumer purchase interest at shopee marketplace. This is proven by t count value 2.846 and the significance 0.006. While based on the result of the simultaneous test of statistic calculation, it can be concluded that price and promotion simultaneously influence consumer purchase interest at shopee marketplace. This is proven by the value of F count 22.736 and significance value 0.000 and determination coefficient 0.346 which means that consumer purchase interest can be explained by price and promotion variables in the amount of 34,6% while the rest is explained by other variables that were not investigated in this research.]]>
<![CDATA[PENGARUH INOVASI TERHADAP KINERJA PEMASARAN UMKM DI KOTA PALU ]]>
<![CDATA[Nurfitriani]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 2 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[In business operations, performance marketing is very useful. The innovations carried out by MSME implementers also have an impact on the ongoing marketing strategy. The purpose of this research is to identify how innovation affects the marketing performance of MSMEs in Palu. In order to determine how innovation affects the marketing performance of MSMEs in the city of Palu, so that the research design is of high quality in this research. This research uses clause procedures and is quantitative in nature. 70 people who completed UMKM in the city of Palu became a research illustration. The sample used was purposive sampling, a non-probability sampling procedure, used to sort out the sample. On the other hand, validity and reliability tests are used to test the instrument. Simple regression, t test, correlation test, and determination test are the information analysis methods used. According to research findings and subsequent reviews, it can be said that innovation has a positive influence on the marketing performance of MSMEs in Palu. The result of t count is greater than t table 2, 040 > 1, 667 supports this matter. This finding shows how valuable innovation is to increase the marketing efficiency of MSMEs in Palu City.]]>
<![CDATA[THE ROLE OF BAITUL MAAL WAT TAMWIL (BMT) TO IMPROVE THE COMMUNITY'S ECONOMY ]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 2 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[Baitul Maal Wat Tamwil (BMT) has an important role in realizing the economic improvement of the community. But not all people know the special part of BMT. So many people prefer to go to the bank. The purpose of this paper is to find out the role of BMT and the impact caused by the presence of BMT. This writing uses the literature review method with a data collection method using books and previous articles. The results of this paper show that the role of BMT is to make people switch to Sharia transaction activities. Meanwhile, the impact caused by the presence of BMT is to make it easier to develop micro / small businesses that need funds for their business.]]>
<![CDATA[PENGARUH STORE ATMOSPHERE TERHADAP MINAT BELI KONSUMEN PADA DEPATI VII KOPI KOTA SUNGAI PENUH (KERINCI) ]]>
<![CDATA[Muhammad Fauzi]]>;
<![CDATA[Mohd Fauzan]]>;
<![CDATA[Mursal]]>
<![CDATA[ EL MUDHORIB : Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 2 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[This study aims to examine the effect of Store Atmosphere which consists of Instore Atmosphere(store inside settings) and Outstore Atmosphere(outside store settings) on consumer buying interest in Depati VII Kopi, Sungaipuh City (Kerinci). The research utilizes primary data, accompanied by a Multiple Linear Regression model as a quantitative data analysis tool. This study shows that the Instore Atmosphere and Outstore Atmosphere have a significant effect on the buying interest of Depati VII Coffee consumers, either partially or simultaneously. Finally, opening up space and tracing for further research, by making more in-depth (specific) studies, because much has not been revealed in Depati VII Kopi.]]>
<![CDATA[Mobile Banking Services : Security, Guarantee And Service Credibility On Customer Satisfaction Of Bank Syariah Indonesia ]]>
<![CDATA[Nurudin]]>;
<![CDATA[Nur Huda]]>;
<![CDATA[Muhammad Dinu Nasoihul Umam]]>
<![CDATA[ EL MUDHORIB: Jurnal Kajian Ekonomi dan Perbankan Syariah Vol. 3 No. 2 (2022) ]]>
Publisher : <![CDATA[Program Studi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, IAIN Fattahul Muluk Papua ]]>
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<![CDATA[The purpose of this study was to determine the effect of security relationships, guarantees, credibility on customer satisfaction. The total population in this study was 1,939 students with a sample of 96 FEBI student respondents from the 2017-2020 UIN Walisongo Semarang. The research data is in the form of quantitative data with data analysis techniques using SPSS tools. The results showed that the security variable had no significant effect on customer satisfaction, the guarantee variable had no significant effect on customer satisfaction, while the credibility variable had a significant effect on customer satisfaction.]]>
