cover
Article Per Year (5 Year)
All
Home Page
OAI Link
Editorial Team
Contact
Reviewer
Google Scholar
Contact Name
Nur Rachmat Arifin
Contact Email
nurrachmatarifin05@gmail.com
Phone
+6282233050925
Journal Mail Official
nurrachmatarifin05@gmail.com
Editorial Address
Jl. P.B, Sudirman, No. 360, Kraksaan, Probolinggo, 67282. Telp/Fax: 0335-842178
Location
Kab. probolinggo,
Jawa timur
INDONESIA
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Zainul Hasan Genggong
ISSN : 24605956     EISSN : 25485911     DOI : https://doi.org/10.55210/iqtishodiyah.v8i1.768
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Iqtishodiyah: Jurnal Ekonomi dan Bisnis Islam received original manuscripts in the field of Islamic Economics, including case reports, application of critical study reports, and literature. Iqtishodiyah is published twice a year, in January and June, ISSN (Print): 2460-5956 E-ISSN (Online): 2548-5911, This journal is published by the Faculty of Economics and Islamic Business, Zainul Hasan Genggong Islamic University, as a vehicle for critical thinking and open to all circles (academics, practitioners, intellectuals and students) with the specification of Islamic Economics studies. The spread of Islamic Economics includes: 1. Islamic Finance and Capital Market 2. Islamic Banking 3. Islamic Business Management, Entrepreneurship, and Tourism 4. Islamic Accounting and Islamic Reporting 5. Sharia Risk Management and Sharia Insurance 6. Islamic Social Finance
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 106 Documents
 7   8   9   10   11 
Penerapan Akad Murabahah Bil Wakalah dalam Sistem Pembiayaan Modal Usaha Bank Syariah PT. BPRS Puduarta Insani Deli Serdang Dara Puspita; Nursantri Yanti
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1102

Abstract

ABSTRACT The Islamic finance industry continues to grow in Indonesia and venture capital financing is the main focus in the development of the Islamic finance industry. Business capital financing is a form of financing that can assist entrepreneurs in obtaining capital to develop their business. In this contract, the Islamic bank acts as a representative to buy goods from third parties and sell them to customers with previously promised profits. The customer will pay the price of the goods plus profit within a certain mutually agreed period of time, and the customer pays in installments. This study uses qualitative methods and collects primary data with open and closed data collection techniques. The aim is to analyze the mechanism of implementing murabahah contract financing. The data used in this study came from direct interviews with employees and employees from the Marketing Department in the field of Account Officer PT. Puduarta Insani. In this case the research that has been produced and has obtained a lot of information from Islamic banks, it is said that PT. BPRS Puduarta Insani in theory has been fully implemented in accordance with DSN - MUI No. 4 of 2000, but seen from practice it is not fully appropriate. PT. BPRS Puduarta Insani implements murabahah contracts carefully and prudently in providing business capital financing to its customers, by upholding sharia principles. The process starts from the customer submitting a financing application to an assessment, survey, and financing committee stage to determine whether the application is approved or not. If approved, it is followed by making a contract/agreement between the customer and the bank. In conclusion, PT. BPRS Puduarta Insani applies murabahah contracts carefully and objectively in providing business capital financing in accordance with sharia principles.
Analisis Laporan Arus Kas untuk Menilai Kinerja Keuangan Perusahaan pada Bank BCA Syariah Ahmad Fauzul Hakim Hasibuan; Alpi Sahrianti Ritonga; Intan Mutia; Sridevi Lumban Batu
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1103

Abstract

A good company must have a stable or ideal cash flow. The ideal cash flow condition is when the incoming and outgoing cash flows are balanced. However, there are three problems that can cause non-ideal cash flow, namely cash flow deficit problems, cash flow problems, and cash flow surplus problems. If cash inflows are less than cash outflows, the company will face an unprofitable cash deficit problem. The purpose of this study is to determine the level of cash flow statements to assess financial performance at Bank BCA Syariah. the discovery procedure was carried out without using statistical or quantitative methods. The results of the study show that the financial performance of PT Bank BCA Syariah from 2019 to 2022 both in terms of cash ratios, ROE, ROA and ROI is quite good and reliable. The company's ability to manage cash, equity, total assets and investments also looks good. However, it is necessary to watch out for profit turnover and total asset turnover which need further attention. Keywords: Cash Flow, Financial Performance
Analisis Perbandingan Kinerja Keuangan Periode 2018-2022 pada Bank BTPN Syariah dan Bank Bukopin Syariah Ahmad Fauzul Hakim Hasibuan; Nugra Kurnianto; Malikud Dhahir; Fajar Iqbal
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1104

Abstract

The Objective Of This Study Is To Empirically Investigate And Demonstrate The Differences In Financial Performance Between Bank BTPN Syariah And Bank BUKOPIN Syariah During The Period 2018-2022. The Research Employs A Comparative Descriptive Method And Collects Secondary Data In The Form Of Financial Statements From Bank BTPN Syariah And Bank BUKOPIN Syariah, Obtained From The Financial Reports Published By Bank Indonesia Through The Respective Banks' Official Websites. Data Analysis Is Conducted Using Financial Ratios Such As CAR (Capital Adequacy Ratio), ROA (Return On Assets), ROE (Return On Equity), FDR (Loan To Deposit Ratio), And NPF (Non-Performing Financing). The Analysis Method Employed Compares The Financial Performance Of Bank BTPN Syariah And Bank BUKOPIN Syariah. The Analysis Results Indicate That Overall, Bank BTPN Syariah Exhibits Better Financial Performance Compared To Bank BUKOPIN Syariah In Terms Of Capital, Profitability, Efficiency, Liquidity, And Quality Of Non-Performing Financing. This Study Provides Insights Into The Differences In Financial Performance Between Bank BTPN Syariah And Bank BUKOPIN Syariah During The Period 2018-2022. However, It Should Be Noted That This Study Has Limitations, And Other Factors That Were Not Considered May Influence The Financial Performance Of Each Bank Keywords: CAR, ROA, ROE, FDR, NPF.
Analisis Operasional Pembiayaan pada Bank Wakaf Mikro (BWM) Alpend Barokah Mandiri Holilur Rahman; Nuris Watun Hasanah
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1109

Abstract

ABSTRAK BWM (Bank Wakaf Mikro) memberi alternatif bagi masyarakat khususnya di pondok pesantren dalam memberikan solusi bagi pengusaha UMKM, namun perbedannya BWM memberikan pembiayaan kepada masyarakat tanpa biaya administrasi. Namun dalam prakteknya dalam memenuhi kebutuhan operasional BWM melakukan penarikan dana operasional nasabah. Fokus penelitain ini adalah mengetahui mekanisme operasional pembiayaan dan kendala yang dialami operasional pembiayaan di BWM Alpen Barokah. Metode penelitian (field research), dengan metode Studi kasus, sumber teknik pengumpulan data, wawancara tidak terstruktur, observasi dan dokumentasi. Hasil penelitian menunjukkan bahwa mekanisme operasional pembiayaan yang dilakukan oleh BWM Alpen Barokah Mandiri, yaitu sumber dana yang diperoleh pembiayan yaitu dari LAZNAS, BWM melakukan dana yang didepositokan di BSI dengan menggunakan akad mudharabah. Dana operasional kedua didapatkan dari akad ija>rah multijasa sebagai pendampingan usaha. Adapun kendala operasional pembiayaan ialah BWM hanya mengandalkan hasil nisbah yang ada di BSI, Meskipun BWM Alpen Barokah Mandiri tidak memiliki Opini Dewan Pengawas Syariah Dan SOP mengenai akad ija>rah multijasa. Hal ini menandakan tidak optimalnya tata tertib kerja DPS dalam penerapan akad ija>rah dan kepatuhan syariah BWM Alpen Barokah Mandiri sesuai dengan prosedur ketentuan dalam akad ija>rah multijasa yang dilaksanakan sebagai operasional pembiayaan. Kata Kunci: Operasional, Pembiayaan, BWM.
Peran Customer Service dalam Meningkatkan Kualitas Pelayanan Calon Nasabah BPRS Sindanglaya Kotanopan Rahmatul Fadilah; Nursantri Yanti
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1110

Abstract

Peningkatan kualitas pelayanan di PT.BPRS Sindanglaya Kotanopan adalah salah satu cara yang digunakan untuk tetap dapat bersaing di pasar perbankan. Customer service adalah bagian dari bank yang mampu memenuhi kebutuhan nasabahnya. Tugas customer service adalah memberikan layanan dan membangun hubungan pelanggan yang baik. Tujuan dari penelitian ini adalah untuk mengetahui peran customer service dalam meningkatkan kualitas pelayanan calon nasabah BPRS Sindanglaya Kotanopan. Metode dalam penelitian ini adalah deskriptif kualitatif. Hasil penelitian ini adalah kegiatan pelayanan terhadap calon nasabah masih terdapat kendala. Kendala tersebut disebabkan oleh calon nasabah itu sendiri yaitu ketidaklengkapan berkas saat pembukaan rekening dan kurangnya pemahaman nasabah terhadap penjelasan customer service BPRS Sindanglaya Kotanopan. Kata Kunci : Strategi, Mutu Pelayanan, Customer Service
Analisis Faktor yang Mempengaruhi Perilaku Manajemen Keuangan pada Generasi Z Yulfiswandi; Kristina; Sherry; Jessica Valeria; Selen Angelina
Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Vol 9 No 2 (2023): Juni 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55210/iqtishodiyah.v9i2.1114

Abstract

Penduduk Indonesia didominasi oleh generasi Z. Namun, generasi ini sering dikaitkan dengan gaya hidup hedonisme dikarenakan kemajuan teknologi yang pesat. Oleh karena itu, penelitian ini bertujuan untuk menganalisis pengaruh pengetahuan keuangan, sikap keuangan, dan internal locus of control terhadap perilaku manajemen keuangan pada generasi Z. Penelitian ini bersifat kuantitatif dengan pendekatan kualitatif deskriptif. Data yang digunakan berupa data primer dalam bentuk kuesioner dengan lima indikator yaitu pengendalian pengeluaran, perencanaan rencana keuangan masa depan, ketepatan pembayaran tagihan, penyimpanan uang, dan ketersediaan atau likuiditas uang yang disebarkan ke seluruh masyarakat dalam kategori generasi Z. Total sampel yang diperoleh sejumlah 389 reponden yang diuji menggunakan software Smart PLS (Smart Partial Least Square). Hasil dari penelitian menunjukkan bahwa ketiga variabel independen (pengetahuan keuangan, sikap keuangan, dan internal locus of control) berpengaruh positif terhadap variabel dependen (perilaku manajemen keuangan). Berdasarkan hasil penelitian maka direkomendasikan kepada masyarakat untuk meningkatkan ilmu pengetahuan terkait keuangan dan memiliki rencana dan tujuan yang jelas kedepannya saat mengelola keuangan.

Page 11 of 11 | Total Record : 106

 7   8   9   10   11 

Filter by Year

2015 2023


Reset
Filter By Issues
All Issue Vol 9 No 2 (2023): Juni 2023 Vol 9 No 1 (2023): Januari 2023 Vol 8 No 2 (2022): Juni 2022 Vol 8 No 1 (2022): January 2022 Vol 7 No 2 (2021): Juni 2021 Vol 7 No 1 (2021): January 2021 Vol 6 No 2 (2020): Juni 2020 Vol 6 No 1 (2020): Januari Vol 5 No 2 (2019): June Vol 5 No 1 (2019): January Vol 4 No 2 (2018): June Vol 4 No 1 (2018): January Vol 3 No 2 (2017): June Vol 3 No 1 (2017): January Vol 2 No 2 (2016): June Vol 2 No 1 (2016): January Vol 1 No 1 (2015): June More Issue