Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah
JIHBIZ: Journal of Islamic Economics, Finance, and Banking has a focus study on Islamic economics, Islamic finance, and Islamic banking. While the scope of studies in this journal includes: Islamic Economics: Islamic economics thought, national Islamic economy strategies, the ecosystem of shariah economy, and halal product Fiscal and monetary in Islamic perspective Islamic financial institutions and organizations Islamic social finance: zakat, infaq, sadaqah and waqf Islamic banking, finance and capital market: financial and non-financial performance Shariah compliance and corporate governance Islamic values driving lifestyle practice Islamic business ethics and entrepreneurship
Articles
110 Documents
<![CDATA[Penggunaan Dana Sedekah untuk Program Eco Masjid Perspektif Maqasid Syariah: Studi pada BAZNAS Kabupaten Jombang ]]>
<![CDATA[Rahmatika, Arivatu Ni’mati]]>;
<![CDATA[Mazidah, Iit]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i1.880
<![CDATA[In the Islamic economic system, alms is one of the instruments in the distribution of wealth as a form of gratitude for the blessings that God has given to his people. Muslims are caliphs on earth who are given the authority to regulate everything in it. Indonesia is a country that has abundant natural resources. Nature is managed and utilized for the common good and welfare. In relation to the Eco Mosque program, the construction of places of worship that is concerned with the reciprocal relationship between the environment for a sustainable life. This type of research is qualitative research with exploratory methods and content analysis using descriptive analysis as the nature of the research. The purpose of this study is to determine whether or not the use of zakat funds is allowed in the construction of the Eco Mosque program in the perspective of maqashid sharia. In this case, it is concluded that zakat funds in the perspective of Maqashid Syariah can be used for the construction of the Eco Mosque, because it is intended for the benefit and benefit of the people.]]>
<![CDATA[A Risk-Based Bank Rating: Studi Multi Kasus pada Perbankan Syariah ]]>
<![CDATA[Rofiqoh, Siti Nur Indah]]>;
<![CDATA[Ratnasari, Ririn Tri]]>;
<![CDATA[Rufaidah, Anik]]>;
<![CDATA[Hasib, Fatin Fadhilah]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i1.1039
<![CDATA[This paper aims to explain the internal and external factors on the credit risk that represented by Non-Performing Financing (NPF) of sharia bank. Internal variables related to Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR). Return on Assets (ROA), Operating Expenses Ratio (OER), Investment Proportion and Risk (IPR), Profit and Loss Sharing (PLS) as financing ratio. External variables related to Gross Domestic Product (GDP) by industrial origin. The annual data report of Statistik Perbankan Syariah (SPS) and Statistik Ekonomi Keuangan Indonesia (SEKI) in Indonesia as secondary data is used to support priority setting of SWOT analysis element to complete IFAS dan EFAS after the multiple regression analysis. Different with the result of regression t and f-Statistic analysis, the finding indicated that internal variables more influence than external variable on the credit risk based on SWOT priority analysis. The most influence variable on the credit risk is increasing Operating Expenses Ratio (OER). The limitations of this paper are expected to have difference implication for SPS, the sharia compliance from regulator management and the important role of SPS and SEKI.]]>
<![CDATA[Peran KSU Kota Santri dalam Meningkatkan Kesejahteraan Masyarakat ]]>
<![CDATA[Janah, Miftahul]]>;
<![CDATA[Nurwanti, Nurwanti]]>;
<![CDATA[Utami, Duwi]]>;
<![CDATA[Adinugraha, Hendri Hermawan]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i1.1136
<![CDATA[The existence of the Multipurpose Cooperative "Santri City" has the role of an economic system that has business opportunities to create a community that still lacks in meeting their needs. This cooperative as a forum for conducting business activities certainly has a role to improve the economy of the community in the surrounding area. The purpose of this study was to determine the role of KSU "Santri City" in improving the welfare of the community in Kajen District, Pekalongan Regency. The research method used is descriptive qualitative with data collection techniques through observation, in-depth interviews, and documentation. Determination of informants is done by using a purposive technique on the cooperative management. Based on the results of this study, it shows that this cooperative is able to improve the welfare of its members by carrying out various credits in various forms, namely money, electronics and vehicles. And this cooperative has a role to provide business capital to its members.]]>
<![CDATA[Faktor Pendorong Komitmen Nasabah dalam Pengembalian Dana Pembiayaan di BMT UGT Sidogiri ]]>
<![CDATA[Rozi, A. Fahrur]]>;
<![CDATA[Amalia, Fika]]>;
<![CDATA[Muhammad, Helmi]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i1.1146
<![CDATA[This research is motivated by the instability of customer commitment in returning financing funds at BMT UGT Sidogiri Pagak Sub-Branch, Malang Regency. The context of the research in this study is "what are the factors that drive customer commitment in returning financing funds", to analyze the factors driving customer commitment in returning financing funds. This research was conducted in the period July-August 2020, using an interview system and field observations in the data collection process. The type of research used is a qualitative approach, both approaches with BMT institutions and with customers. The results of the study indicate that several factors encourage customer commitment in returning financing funds. Among them are internal factors which include, the amount of the loan, the value of the guarantee, the repayment period, and the chemistry between the institution and the customer. While external factors include income or business turnover, dependents of other parties, and family dependents.]]>
<![CDATA[Model dan Strategi Pengembangan Bisnis Pondok Pesantren Modern Subulussalam Padang Pariaman ]]>
<![CDATA[Harahap, Solehuddin]]>;
<![CDATA[Syarif, Dafiar]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i1.1148
<![CDATA[This research departs from the many Islamic boarding schools that have transformed by incorporating socio-economic functions into the activity program of Islamic boarding schools, one of the Islamic boarding schools that is trying to be independent in economic activities and conducting local businesses is Pondok Pesantren Modern Subulussalam located in the Panyalai village of Nagari Lubuk Pandan, District 2x11 Six neighborhoods, Kabupaten Padang Pariaman. This study uses qualitative research by looking at the business strategy used and then analyzing it with a SWOT analysis. The results of the strategic research implemented by Pondok Pesantren Modern Subulussalam Foundation include collaborating with various Islamic financial institutions, establishing partnerships with the government and related institutions, building micro-enterprises that can be marketed, developing Kopontren human resources to continue to face challenges, and conducting training. entrepreneurship in Islamic boarding schools.]]>
<![CDATA[Halal Tourism: Keterkaitan Citra Destinasi, Fasilitas, dan Norma Subjektif ]]>
<![CDATA[Hana, Kharis Fadlullah]]>;
<![CDATA[Ramadhani, Eggi Syifana]]>;
<![CDATA[Andini, Riyan]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 1 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i1.1169
<![CDATA[The decision to visit is a top priority in this study because competition between tourist destinations can have an impact on the economic level of the surrounding community. The decision to visit tourists is influenced by several factors including the image of destinations, facilities, and subjective norms. This research aims to test the influence of the image of destinations, facilities, and subjective norms to influence partially and simultaneously on the decision to visit the religious tour Tomb of Sunan Pojok Blora. The approach used is quantitative. Data collection used the Incidental Sampling method and generated 100 respondents using the Slovin formula with questionnaire instruments. Data analysis uses statistical analysis that includes validity tests, reliability tests, classical assumption tests, and statistical tests, and testing using IBM SPSS Statistic 22. The results show that : (1) There is no influence between the image of the destination and the decision to visit; (2) There is a positive and significant influence between the facilities and the decision to visit; (3) There is a positive and significant influence between subjective norms on the decision to visit; (4) There is a simultaneous influence between the image of destinations, facilities, and subjective norms on the decision to visit.]]>
<![CDATA[Instrumen Kebijakan Fiskal dalam Perspektif Ekonomi Islam ]]>
<![CDATA[Reisa Nadika Markavia]]>;
<![CDATA[Fidzri Nur Febriani]]>;
<![CDATA[Fitri Nur Latifah]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i2.1123
<![CDATA[This study aims to determine the fiscal policy at the time of the Prophet and Khulafaurrasydin, the role and objectives of fiscal policy from an Islamic economic perspective, and fiscal policy instruments in Islam. In this research study, a literature review and descriptive approach are used to describe the actual events. So that in writing the article on fiscal policy instruments from the perspective of Islamic economics, it seeks to explain and describe how the role of the state in managing fiscal policy instruments is to be channeled properly and can prosper the people. Sources of data are obtained from scientific journals found on the website database https://scholar.google.co.id. Indexing using keywords. Fiscal policy in Islam itself leads to policies made by the government in referring to the economy in a country into a system of income and expenditure in the form of taxes. Therefore, we need to know what income and expenditure instruments exist in fiscal policy in Islamic economics.]]>
<![CDATA[Analisis Strategi Pengembangan BMT Agam Madani di Banuhampu, Kabupaten Agam ]]>
<![CDATA[Dafiar Syarif]]>;
<![CDATA[Delli Ridho Hayati]]>;
<![CDATA[Mursal Mursal]]>;
<![CDATA[Suci Mahabbati]]>;
<![CDATA[Muhammad Fauzi]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i2.1265
<![CDATA[This study aims to identify internal and external factors of Baitul Maal Wat Tamwil Agam Madani in Banuhampu districts. The problem in this study is to see the strategy for developing Baitul Maal Wat Tamwil. The data that is used in this study uses primary data that has been collected using question and analyzed using internal and external factor analysis also SWOT quantitative analysis, SWOT stage assumptions the effective strategy that maximize strengths and opportunities and minimized weaknesses and threats. The finding of this research showed that BMT (1) Development strategy through improving the quality of human resources owned by BMT, (2) Development strategy through improving the quality of organizational management, (3) Development strategy through providing infrastructure and technology needed in service. This study also revealed that in the strategy for improving the quality of organizational management other strategies are quite important for future BMT development.]]>
<![CDATA[Penyelesaian Wanprestasi dalam Pembiayaan Pemilikan Rumah (KPR Syariah) dengan Akad Murabahah ]]>
<![CDATA[Maryani Maryani]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i2.1644
<![CDATA[Sharia financing products have developed in the banking world, in addition to more banking institutions that offer products in Islam such as murabahah contracts. Murabahah contract is a contract of sale and purchase of goods between two parties whose price and profit are mutually agreed upon. In the process of Sharia Mortgage (KPR Syariah) at BTN (Bank Tabungan Negara) Syariah Probolinggo, many use murabahah contracts and various problems or problems that arise and need to be resolved. One of the problems that often arise in the implementation of home ownership loans is the default. The purpose of this study is to explain the form of default in the implementation of home ownership loans, the factors that cause default, and the settlement of defaults in the implementation of home ownership loans at BTN Syariah Probolinggo. The results of the study indicate that the form of default in the implementation of Sharia mortgages at BTN Syariah Probolinggo Branch is that the debtor is late in carrying out its obligations as previously agreed.]]>
<![CDATA[Nilai-Nilai Islami pada Soft Skill ]]>
<![CDATA[Aries Musnandar]]>;
<![CDATA[Abdillah Ubaidi]]>
<![CDATA[ Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 6 No 2 (2022) ]]>
Publisher : <![CDATA[Universitas Islam Raden Rahmat ]]>
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DOI: 10.33379/jihbiz.v6i2.1645
<![CDATA[The Islamic value's substance is actually humankind's noble behaviors, as practiced by the Prophet in his daily life. This study constitutes the main discussion of Islamic values' conceptual and theoretical framework on soft skills. Globally, the term soft skills are introduced and popularized in West Countries by people with no Islamic worldview. This study focuses on elaborating the concept of soft skills (SS) from the Islamic perspective. According to the Islamic viewpoints, the best righteous people are those who can contribute to others through their good deeds. In the society era 5.0, possessing competent human capital is crucial for a Country. This research reviews the precept of al Quran and Hadith as the primary sources of Islamic values in developing the personal quality of Muslims. The study employs a qualitative research method with a literature study design, meaning making through interpretation of the Holy Quran and the Prophet traditions (Hadith). Based on findings, it is known substantively that the Islamic teachings are comprehensive concepts to build and shape the noble behavior of Muslims. Eventually, the researcher offers soft skills formula from an Islamic perspective as a complete concept for creating an excellent personality. Soft skills in the Islamic perspective are morals, good morals, positive behavior, spreading goodness, and bringing many benefits.]]>
