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Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah

isbank
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Published by Sekolah Tinggi Ekonomi dan Bisnis Syariah Indo Global Mandiri Palembang

ISSN : 24609595 EISSN : 26865149 DOI : https://doi.org/10.36908/isbank

Core Subject : Economy, Humanities, Science, Education, Social,

Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic economics and banking. Editors welcome articles and research reports that address current issues such as: sharia economics, sharia business, sharia banking and sharia management.

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 189 Documents

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TELAAH KRITIS PEMIKIRAN ABDUL MANNAN TENTANG RIBA DAN BUNGA BANK Annisa Eka Rahayu; Nunung Nurhayati
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Pemahaman masyarakat Muslim terhadap riba dan bunga bank sangatlah beragam. Di satu sisi, masyarakat berasumsi bahwa bunga bank itu haram, namun di sisi lain ada yang berasumsi bahwa bunga bank wajib dibayarkan. riba dan bunga bank merupakan dua dimensi yang sifatnya sama, namun adapun yang memakai alasan bahwa bunga itu bukan riba. Dalam penulisan ini, akan dibahas bagaimana pemikiran seorang tokoh kontemporer yaitu Muhammad Abdul Mannan, mengenai riba dan bunga bank. Abdul Manan menyebutkan bahwa bunga bank adalah bagian dari riba. dapat meng Penelitian ini berdasarkan kepada pendekatan yuridis normatif, yaitu dengan mengkaji atau menganalisis data sekunder, spesifikasi penelitian yang digunakan adalah deskriptif analitis dan Metode pengumpulan data yang dipergunakan adalah studi kepustakaan, yaitu dengan mengkaji dan menganalisis buku dan literature-literatur yang berkaitan dengan objek pembahasan. Tujuan dari penelitian ini, agar pembaca mengetahui dan mengkaji pendapat Mannan serta dapat direlevansikan pemikirannya dengan kenyataan actual saat ini.

PEMIKIRAN EKONOMI YUSUF AL-QARADHÂWȊ Panji Adam Agus Putra
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Penelitian ini berfokus pada pemikiran ekonomi Yusuf al-Qaradhâwȋ, dengan tujuan untuk mengetahui pemikiran Yusuf al-Qaradhâwȋ mengenai ekonomi khususnya ekonomi Islam. Hal ini mengigat karena gagasan serta pemikiran al-Qaradhâwȋ banyak tertuang dalam buku-buku yang ditulisnya khususnya ketika memfokuskan pembahasan mengenai ekonomi kontemporer. bahkan karya pemikiran ekonomi al-Qaradhâwȋ tertuang dalam penelitian disertasinya yang memfokuskan pada zakat. Selain itu karya-karyanya seperti bunga bank, etika ekonomi dan bisnis menjadi karya monumentalnya. Penelitian ini merupakan studi kualitatif berbasis studi pustaka (library research. Pendekatan yang digunakan adalah deskriptif kualitatif yang bertujuan untuk menggambarkan atau menggambarkan realitas yang ada atau apa yang terjadi atau realitas sebenarnya dari objek yang diteliti. Hasil penelitian menunjukkan bahwa pemikiran ekonomi al-Qaradhâwȋ khsususnya mengenai ekonomi kontemporer sangat relevan saat ini. al-Qaradhâwȋ dengan metode ijtihad kontemporernya mampu memberikan kontribusi pemikiran ekonomi yang relevan dengan situasi dan zaman saat ini.

BRANDING PERBANKAN SYARIAH MELALUI PRODUK-PRODUK PENDANAAN Tiara Juliana Jaya
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Sharia banking is expected to apply sharia values to its transactions. Sharia values have a transparent nature. Sharia banking should be based on sharia principles. Referring to sharia principles as described in the Qur'an. Based on the problem then the author took the theme of Sharia banking branding through funding products. The fund-raising consists of three sharia Giro products, sharia savings and sharia deposits. The methods used are methods of analysis used are qualitative methods, and case studies. The triangulation approach of the two techniques of Denzin triangulation (XXX) is the use of sources and methods. It can be used as a cornerstone that by using Sharia bank products has many benefits that can be made for Shahibul Maal (Fund owners) continue to improve performance by using Sharia banking branding on all products especially in funding products. Islamic brand must show and have the appeal to consumers, and provide training and evaluation of human resources in sharia banking that is spearheading to provide vast information to prospective mudharib.

PENGARUH LINGKUNGAN KERJA DAN KARAKTERISTIK INDIVIDU TERHADAP KINERJA PEGAWAI BANK BRI SYARIAH KABUPATEN SUBANG Opan Arifudin; Fenny Damayanti Rusmana
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

An Islamic banking institution that wants to carry out its duties and functions well, will try to change its employees so that they have good performance. This is done so that its employees are more productive in carrying out their duties and responsibilities. To get employees in accordance with what is expected, it is necessary to have a working environment that supports the implementation of tasks, namely the work environment in terms of infrastructure, as well as the general environment, namely the community in Islamic banking institutions. Data collection methods in research are methods or methods used by researchers to obtain data in a study. Data collection methods in this study using the Questionnaire Method. the significance value of Individual Characteristics is 0,000 smaller than the significance level (α) 0.05. Because the value of t count> t table (5.632> 2.020) and the significance value is smaller than the significance level (α) 0.05 (0.000 <0.05), the second hypothesis is accepted, meaning that Individual Characteristics has a positive and significant effect on employee performance. The third hypothesis is accepted, meaning that the Work Environment and Individual Characteristics simultaneously have a positive and significant effect on employee performance. This is shown because the calculated F value> F table (34.254> 3.226) and the significance value is smaller than the significance level (α) 0.05 (0.000 <0.05).

MENILAI TINGKAT KESEHATAN BANK DENGAN ANALISIS METODE RISK PROFILE, GOOD CORPORATE GOVERNANCE, EARNINGS, CAPITAL PADA BANK SYARIAH DI INDONESIA Hendra Galuh Febrianto; Amalia Indah Fitriana
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

ABSTRACT In the banking world of soundness, banks are very important for the formation of trust. Trust and loyalty to banks is a very helpful factor and makes it easier for bank management to develop good business strategies. Bank Soundness Levels are results issued by banks which are carried out on bank risk and performance (Bank Indonesia Regulation Number: 13/1 / PBI / 2011). If more than conventional banking with Islamic banking, conventional banking finance is better than Islamic banking. This is blessed with poor sharia banking (corporate governance) management. In order to be able to carry out its functions properly, banks must have sufficient capital, ensure the quality of their assets properly, be well managed and managed based on the principle of prudence, generate sufficient profits to maintain an increase, and support liquidity so that it can be adjusted to their needs. Therefore banks are required to be able to achieve and maintain a good and optimal level of performance, because the level of bank performance can increase the level of trust and loyalty needed by the wider community to use the products, services and financial activities of the bank. The purpose of this study is for advanced financial research with analysis of Risk Profiles (Risk Profiles), Good Corporate Governance (GCG), Profitability (Income), and Capital (Capital) which is hereinafter abbreviated as RGEC with the final aim of research for the needs of Sharia banking management in accordance with the latest Bank Indonesia and OJK regulations. This type of research uses descriptive research proposed in the RGEC analysis (Risk Profile, Good Corporate Governance, Income, and Capital) at Islamic Banks in Indonesia. from 2013 to 2017. Keywords: Risk Profile, Good Corporate Governance, Income, Capital, Bank Soundness ABSTRAK Dalam dunia perbankan tingkat kesehatan bank sangat penting bagi pembentukan kepercayaan. Kepercayaan dan loyalitas nasabah terhadap bank merupakan faktor yang sangat membantu dan mempermudah pihak manajemen bank untuk menyusun strategi bisnis yang baik. Tingkat Kesehatan Bank adalah hasil penilaian kondisi bank yang dilakukan terhadap risiko dan kinerja bank (Peraturan Bank Indonesia Nomor: 13/1/PBI/2011). Jika dibanding antara perbankan konvensional dengan perbankan syariah, kinerja keuangan perbankan konvensional lebih baik daripada perbankan syariah. Hal ini dikarena tatakelola (good corporate governance) perbankan syariah yang masih buruk. Agar dapat menjalankan fungsinya dengan baik, bank harus mempunyai modal yang cukup, menjaga kualitas asetnya dengan baik, dikelola dengan baik dan dioperasikan berdasarkan prinsip kehati-hatian, menghasilkan keuntungan yang cukup untuk mempertahankan kelangsungan usahanya, serta memelihara likuiditasnya sehingga dapat memenuhi kewajibannya. Oleh karena itu bank dituntut untuk bisa mencapai dan mempertahankan tingkat kinerja yang baik dan optimal, karena tingkat kinerja bank yang baik dapat meningkatkan kepercayaan dan loyalitas nasabah maupun masyarakat luas untuk menggunakan produk, jasa dan aktivitas keuangan dari bank tersebut. Tujuan penelitian ini adalah untuk menilai tingkat kesehatan keuangan dengan analisis Profil Risiko (Risk Profile), Good Corporate Governance (GCG), Rentabilitas (Earnings), dan Permodalan (Capital) yang selanjutnya disingkat RGEC dengan tujuan akhir merekomendasikan kebijakan untuk memperbaiki manajemen perbankan Syariah yang sesuai peraturan Bank Indonesia dan OJK yang terbaru. Jenis penelitian ini menggunakan penelitian deskriptif yang berfokus pada analisis RGEC (Risk Profile, Good Corporate Governance, Earnings, and Capital) pada Bank Syariah di Indonesia. dari tahun 2013 sampai 2017. Kata kunci: Risk Profile, Good Corporate Governance, Earnings, Capital, Tingkat Kesehatan Bank

Pengaruh Pelayanan m-Banking Terhadap Kepuasan Nasabah Pada Bank Syariah Mandiri Kota Prabumulih Zakaria Harahap
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

The purpose of this study was to determine the effect of m-Banking on customer satisfaction at Bank Syariah Mandiri in Prabumulih City. This type of research is a survey research with quantitative descriptive approach. The population is all customers at Bank Syariah Mandiri in Prabumulih City, samples were taken by 90 respondents, using random sampling technique with saturated sample method. This study uses primary data obtained from respondents' answers in the form of questionnaire filling, that is, data obtained directly from the research object. Data analysis techniques include: the test instrument consists of validity and reliability tests, the classic assumption test consists of tests of normality, multicollinearity, and heteroscedasticity, simple linear regression test and hypothesis test consisting of the F test, test the coefficient of determination and t test. The results of the study for the determination test show R Square of 0.738. shows that the value of R Squre (coefficient of determination) is 0.738. This means that the m-Banking service variable on Customer Satisfaction is 73.8% while the remaining 26% (100% - 73.8 = 26.2%) is influenced by other factors outside the study.

PENGARUH FAKTOR FUNDAMENTAL DAN MAKRO EKONOMI TERHADAP HARGA SAHAM PADA PERUSAHAAN INDUSTRI PROPERTI DI BURSA EFEK INDONESIA Meilin Veronica; Reny Aziatul Pebriani
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

The Influence of Fundamental and Macro Economic Factors on The Stock Price in Industrial Property Companies in The Indonesia Stock Exchange. The objective of this research is to empirically prove the influence of return on equity, debt to equity ratio, net profit margin, inflation, rate and interest rate Simultaneously and Partially on the stock price. The object of this research are 18 industrial property companies listed on the Indonesia Stock Exchange of research period of 2015 to 2018. The analytical method used is Multiple Linear Regression. The result of this research simultaneously indicates that return on equity, debt to equity ratio, net profit margin, inflation, rate, and interest rate influence the stock price. The research conducted partially indicates that net profit margin significantly influences the stock price. Return on equity, debt to equity ratio, inflation, rate, and interest rate do not influence the stock price.

TINJAUAN ATAS IMPLEMENTASI PERPANJANGAN MASA ANGSURAN UNTUK PEMBIAYAAN DI BANK SYARIAH PADA SITUASI PANDEMI COVID-19 Muhammad Ubaidillah; Rizqon Halal Syah Aji
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Covid-19 pandemic has occurred in almost all countries in the world. The pandemic has caused millions of people to find it difficult to pay off credit or financing installments due to declining daily income. If these conditions are not properly addressed, it will cause a country's economic growth to decline. This article aims to examine the application of the Surah Al Baqarah verse 280 to the granting of credit or financing restructuring to debtors affected by the Covid-19 pandemic. The literature review method is used in this article. In addition, this article also uses descriptive analysis methods to describe the phenomena that occur in the field. The study conducted in this article shows that the application of Surah Al Baqarah verse 280 at the time of the Covid-19 pandemic can be a solution to maintain Indonesia's economic growth rate.

PENDEKATAN EKONOMI SYARIAH DALAM MENYELESAIKAN MASALAH EKONOMI AKIBAT PANDEMI COVID-19 Nurhidayat Nurhidayat
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Every disaster caused by a variety of natural factors such as earthquakes, floods, eruptions and disease outbreaks, always have an impact on the emergence of various economic problems. Scarcity of goods, inflation and the emergence of bad behavior of hoarding goods. These three economic problems always arise, and become a complicated problem in the economic system. The emergence of the corona virus that has swept parts of the world and Indonesia has raised these three economic problems. This study aims to provide an overview and analyze how sharia economic approaches in answering economic problems due to the co-19 pandemic. Through this Islamic economic approach, can the three economic problems be overcome. The main problem answered in this study is whether the Islamic economic approach is able to provide solutions to economic problems due to co-19. How is the Islamic economic solution in responding to economic problems as a result of co-19. This study concludes that conceptual sharia economics is indeed a solution to economic problems due to co-19. Because the sharia economics approach is conceptualized and has an orientation as a problem solving of various economic problems that can arise at any time and in any world.

HAK WIRAUSAHA PEREMPUAN PERSPEKTIF MAQASID SYARIAH Ahmad Mukri Aji; Harisah Harisah; Syarifah Gustiawati Mukri
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 6 No 1 (2020): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

In today's modern era, it is not uncommon for women to be able to earn income by doing entrepreneurship, both traditional and modern with various perspectives. Entrepreneurial women are sometimes used to channel their hobbies, as well as being the backbone of the family to meet the needs of family life. So that the current rights of women entrepreneurs can be studied with the maqasid sharia approach. From this, researchers are interested in examining the rights of women entrepreneurs with a Sharia perspective. This study was conducted using a qualitative approach with literature data that was analyzed inductively and deductively. This study found that according to maqasid sharia women have rights in entrepreneurship, including the right to channel hobbies, which in the concept of maqasid sharia are included in the category of hifdzul aqli, the second right to earn income in the maqasid sharia concept is called hifdzul nafs.

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Contact Name Ahmad Tohir

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Phone +6281315545733

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Editorial Address Jl. Jend. Sudirman KM.4 No.629, 20 Ilir D. IV, Kec. Ilir Tim. I, Kota Palembang, Sumatera Selatan 30129

Location Kota palembang, Sumatera selatan INDONESIA

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Contact Name
Ahmad Tohir

Contact Email
isbank@stebisigm.ac.id

Phone
+6281315545733

Journal Mail Official
isbank@stebisigm.ac.id

Editorial Address
Jl. Jend. Sudirman KM.4 No.629, 20 Ilir D. IV, Kec. Ilir Tim. I, Kota Palembang, Sumatera Selatan 30129

Location
Kota palembang,

Sumatera selatan

INDONESIA