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Banco: Jurnal Manajemen dan Perbankan Syariah

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Published by Institut Agama Islam Negeri Parepare

ISSN : 26849534 EISSN : 26848643 DOI : -

Core Subject : Religion, Economy, Humanities, Social,

Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

Banco: Jurnal Manajemen dan Perbankan Syariah publishes original works that contribute to scientific discussion of Sharia Economic, Management and Bisnis Sharia, Sharia Banking, Economic Development, Sharia Finance and Accounting, Management and Economic any related issues. The works on the issues of world religions and global societies are welcome. Submissions are welcome not only from scholars of religious studies and Islamic studies, but also political scientists, legal scholars, economists, anthropologists. All submissions must not be previously published elsewhere.

Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)

Articles 83 Documents

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IMPLIKASI PENAMBANGAN PASIR DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT PADAIDI KAB. PINRANG Muhammad Akbar; Zainal Said; Rusnaena
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 2 (2019): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

School cooperatives are cooperatives whose members are students or students of a school that serves as a forum for educating the growing awareness of cooperatives among students. For this reason, we need a forum that is expected to be able to achieve these objectives, namely school cooperatives. Cooperatives have a direct contribution to the welfare of their members because cooperatives have the principle of kinship and also the function of cooperatives for the welfare of their members. DDI Lilbanat Islamic boarding school as one of the business units, Islamic boarding schools aim to meet the needs of teachers and students in daily life. This research was conducted by raising the issue of: 1. How the efforts of DDI Lilbanat boarding school cooperatives in meeting the needs and improving the welfare of teachers and students, 2. How is the function of the DDI Lilbanat boarding school cooperatives in order to improve the welfare of teachers and students.This type of research used in this thesis is a qualitative descriptive method, the data in this study were obtained from primary data and secondary data. Data collection techniques used were observation, interviews, and documentation. The data analysis technique used is the inductive method and the deductive method.Environmental problems will arise from the interaction between human economic activities and natural resources, which starts from the demand of the population for goods and services, which in turn results in increased demand for natural resources. Through economic activities, the natural resources are exploited to produce a product in the form of goods and services.In the kelurahan area in the exploitation of natural resources produced to produce goods or services carried out through sand mining, sand miners are one of the main economic growth factors in an area, especially in the sand mining location.This type of research used in this thesis is a qualitative descriptive method, the data in this study were obtained from primary data and secondary data. Data collection techniques used were interviews, observation, and documentation. The data analysis technique is to use qualitative data analysis.Implications in determining the results of research using a process that results in economic improvement by looking at the good and bad impacts and how to know the economic development of the community before and after the existence of a sand mine in Padaidi Village as a research location, and want to know how to analyze Islamic economic law.The results of this study indicate that: 1) the economic development of the community has been able to improve the economy of the community by looking at the economic development of the community before and after the existence of sand mining 2) the implications generated in seeing the positive and negative impacts have really helped the community, such as the opening of jobs and income levels for the community, and does not have too bad an impact on the environment

Harga Jual dan Tingkat Margin: Preferensi Nasabah dalam Menggunakan Produk Pembiayaan Murabahah BMT As’adiyah Sengkang Reni Furwanti
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Penelitian ini akan membahas tentang pengaruh harga jual dan tingkat margin terhadap keputusan pelanggan untuk menggunakan produk murabahah BMT As'Adiyah Sengkang. Tujuannya adalah untuk mengetahui apakah biaya barang dan tingkat margin memiliki pengaruh yang signifikan bagi pelanggan menggunakan produk murabahah di BMT As'Adiyah Sengkang. Jenis penelitian ini menggunakan jenis penelitian kuantitatif dengan menggunakan analisis statistik deskriptif dan akan ditafsirkan menggunakan uji regresi linier berganda. Hasil penelitian menunjukkan, secara simultan, harga jual dan tingkat margin memiliki pengaruh yang signifikan terhadap pengambilan keputusan tentang pembiayaan murabahah BMT As'adiyah Sengkang. Namun secara parsial harga jual berpengaruh signifikan sedangkan margin tidak berpengaruh terhadap keputusan nasabah.

STRATEGI MINDSET ENGLISH CENTER PAREPARE PERSPEKTIF MANAJEMEN SYARIAH Rubiah; Moh. Yasin Soumena; Abdul Hamid
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 2 (2019): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

This research is a qualitative research using a sociological normative approach. Data were collected using observation and interview methods. Data analysis technique used is to reduce data, present data and draw conclusions. The results of this study can be stated that 1) Strategic planning of the Parepare English Center Mindset can help, assist and ease the cost of English courses. 2) Implementation of the Parepare Mind Center English Center strategy, which means that participants can make payments easier. 3) Evaluate the Parepare Mind Center English Center strategy to run effectively and efficiently. If this is related to sharia management, it is in accordance with the principles of sharia management, namely justice, trustworthiness and accountability, as well as communicative.

KONSEP KEADILAN DALAM ZAKAT PERTANIAN DAN ZAKAT PROFESI Wahyuni; Rahman Ambo Masse; Rukiah
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 1 No 2 (2019): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

One of the economic activities that is highly recommended by Islam is zakat. Al-Qur'an and hadith explain a lot about zakat, where zakat is very important and it is recommended to clean up wealth. In addition, the wealth spent on zakat will be a blessing, growth, increase and develop. The concept of fairness in collecting zakat includes several things, namely using the principle of justice in distribution. the assets issued fulfill the terms and conditions and then the zakat is given to groups which are entitled to receive. This study aims to determine how the concept of justice in agricultural zakat and professional zakat, where this research uses a library approach and uses data collection methods and data processing validly. Justice in agricultural zakat and professional zakat is justice based on two principles of justice (commutative justice and distributive justice). Agricultural Zakat is zakat of agricultural products such as cloves, cocoa, coffee, vegetables and can be stored for a long time removed from the harvest and has reached nishab which is 5% if the crop is irrigated with irrigation equipment and if the crop is irrigated with rainfed then the zakat is 10 % and does not have to pay zakat if it does not reach nishab. While professional zakat is zakat resulting from the thoughts, skills and expertise of a person obtained through higher education levels such as (advocates, lawyers, doctors, engineers, etc.) and has reached 2.5% of nishab, the proportion of which is equal to gold zakat and has also been equal reach haul. If the income does not reach nishab, it is not obligatory for it to pay zakat

Implementasi Hybrid Contract pada Pembiayaan Murabahah Bil Wakalah di BNI Syariah Cabang Makassar Nur Hikmah; Rahman Ambo Masse; Damira
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Hybrid contract that is collecting two or more contracts in one financing. Murabaha financing product is an example of a financing product that is often compiled with a wakalah contract that aims to make customers free to choose the items needed because the bank is unable to provide all the items customers need. This study discusses the implementation of hybrid contracts in murabaha financing wakalah with a focus of research to determine the provisions of hybrid contracts in murabaha financing wakalah and implementation of the provisions of hybrid contracts murabaha bil wakalah BNI Syariah KC Makassar.This study uses a qualitative method. Primary data in this study were obtained through direct observation and interviews. Whereas secondary data was obtained from literature such as browsers, Makassar Syariah KC Makassar Microfinance financing manuals and examples of murabahah contracts when the BNI Syariah KC Makassar was held.The results of this study indicate that there are terms and conditions for murabaha financing wakalah contained in 22 articles which emphasize starting from financing provisions to settling disputes in murabaha financing wakalah. The implementation of murabaha bil wakalah at BNI Syariah KC Makassar is also not fully in accordance with the provisions of Fatwa DSN-MUI No. 04 of 2000 concerning murabaha because the bank did not explain the purchase price of the murabahah object to the customer so that it violated the provisions of Fatwa DSN-MUI No. 04 of 2000 6 about murabaha.

Pengaruh Non-Performing Financing Pembiayaan Mudharabah dan Murabahah terhadap Tingkat Profitabilitas Bank XXX Syariah Zyahratul Wilda; Syahriyah Semaun; Arqam
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

This study aims to determine whether there is an influence of Non-Performing Financing on mudharabah and murabaha financing on the level of profitability and want to know the dominant variables that simultaneously influence the level of profitability at the Sharia xxx Bank. This research is a quantitative research with descriptive method. Data collection is derived from financial statements. The method used to test hypotheses is to use multiple regression analysis techniques, t test, f test, coefficient of determination (R2). The results showed: Based on the results of the t test (partial) which showed that the significance value of Non-Performing Financing (NPF) mudharabah financing was -1,761 with a significance probability of 0.220 which means it was greater than the α value of 0.05, so it can be concluded that Non-Performing Financing (NPF) mudharabah financing has a negative and partially significant effect on profitability (ROA) at the Sharia xxx Bank. And the results of the t test (partial) which shows that the significance value of Non-Performing Financing (NPF) murabaha financing is 2,422 with a significance probability of 1.36 which means it is greater than the α value of 0.05, so it can be concluded that Non-Performing Financing (NPF) murabaha financing has a positive and significant effect on profitability (ROA) at the Sharia xxx Bank. And the dominant variable simultaneously influencing the level of profitability at the Sharia xxx Bank is the Performing Financing (NPF) of murabahahyakni financing at 1.36.

Pengaruh Quality Of Work Life (Qwl) terhadap Kinerja Pegawai di Bank Danamon Syariah Makassar Syarif Al Qadri; Moh. Yasin Soumena; Muhammad Kamal Zubair
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

This study discusses the influence of Quality of Work Life conducted by Bank Danamon Syariah Makassar. Quality of Work Life is a management concern about how work can affect humans, organizational effectiveness and the importance of employee participation in decision making processes, especially those related to career, income and time. front of them in their work. The purpose of this research is to find out whether the effect of Quality of Work Life consisting of Rewards System, Work Environment, and Work Restructuring variables influences employee performance. And to find out the dominant variables simultaneously influencing. This research is a quantitative research with descriptive method. The data collection is done through the distribution of questionnaires. The method used to test hypotheses is to use Validity Test, Reliability Test, Normality Test, Multiple Regression Analysis, T Test, F Test, Adjusted R Square, and Double R Correlation. Linear regression test results, Y = 11,976 + 0.488 x 1 + 0.081 x 2 + 0.033 x 3, it can be concluded that the variable X1 is the Rewards System that has a value of 0.488 and has a positive and significant effect on employee performance variables (Y), variable X2, namely Environment Work with a value of 0.081 does not have a positive and significant effect on the Employee Performance variable (Y), variable X3, namely Work Restructuring, which has a value of 0.033, does not have a positive and significant effect on the employee performance variable (Y). The results of this study indicate: based on the t (partial) calculation of the reward system, the calculated value is 3.450 and the value (sig) = 0.002 is smaller than the probability value that is 0.05 or 0.002 <0.05, meaning that the dominant reward system variable has a positive and significant effect on employee performance at Bank Danamon Syariah Makassar. T-test results (partial) work environment obtained a calculated value of 0.650 and (sig) = 0.521 greater than the probability that is, 0.05 or 0.521> 0.05 means that the work environment variable does not affect the performance of employees at Bank Danamon Syariah Makassar. And the t-test results (partial) work restructuring obtained a calculated value of 0.239 and (sig) = 0.813 greater than the probability of 0.05 or 0.813> 0.05 which means the work restructuring variable has no effect on employee performance at Bank Danamon Syariah Makassar

Persepsi Masyarakat Islam terhadap Solusi Permodalan pada Lembaga Keuangan di Kecamatan Cempa Kabupaten Pinrang Haeril Anwar; Rusnaena; Zainal Said
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 1 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

The lack of understanding of the Islamic community in financial institutions often causes problems in obtaining interest-free business capital solutions. Therefore it is necessary to understand people's perceptions of the capital of financial institutions. These problems can be identified by tracing the process of acquiring, interpreting, selecting, and organizing sensory information. The results of tracking people's perceptions of the capital of financial institutions will be analyzed using Islamic economic analysis.This research uses a qualitative approach and in collecting data using methods of observation, interviews, and documentation. Analysis of the data obtained from interviews, field notes, and other materials, was compiled systematically so that it was easily understood and elaborated in the form of quotations to find out how people's perceptions of capital in financial institutions as well as knowing capital concepts in the Cempa community with Islamic economic analysis.The results showed that: 1) Community perception The earthquake on capital issued by financial institutions is very helpful in improving the community's economy, especially in venture capital. 2) The concept of capital in the average earthquake community still uses conventional financial institutions that use the interest system that is prohibited by Islamic law. The Cempa community still uses the services of conventional financial institutions as a place for capital, because there are no Islamic financial institutions in the area. 3) Financial institutions in the Cempa community are quite evident from the results of interviews, the community uses the services of financial institutions as a place for business capital.

Peran Kerjasama antara Travel An-Nur Maarif Parepare dan Bank Syariah terhadap Peningkatan Jumlah Jama’ah Kartika Sabir; Syahriyah Semaun; Ade Hastuti
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

This research is to find out the system of cooperation between Travel and Islamic Banks in PT. An-Nur Maarif Parepare. And to find out how much an increase in the number of PT. An-Nur Maarif Parepare after cooperation with Islamic Bank.This type of research used in this thesis is a qualitative descriptive method, the data in this study were obtained from primary data and secondary data. Data collection techniques used were observation, interviews, and documentation. The data analysis techniques used are data reduction, data presentation, and drawing conclusions.The results of this study indicate that: 1). Cooperation system between PT. An-Nur Maarif and Sharia Bank in Hajj and Umrah are promotion, trust and service. The system of cooperation carried out in terms of promotion is the public financing. PT. An-Nur Maarif in building the trust of congregants and the community is to bring partners from the Islamic Bank in activities such as rituals. In addition to building and increasing the trust of the congregation, providing the best service to the congregation is also very important because if the congregation has felt the quality of service according to expectations can lead to a positive story from the congregation and it certainly will greatly affect travel and work partners because of the loyalty of the congregation can even attract prospective congregations. 2). Increasing the number of pilgrims depends on the services of the travel. One of the services provided by PT. An-Nur Maarif is collaborating with Islamic banks on funding. With the cooperation carried out by PT. An-Nur Maarif with Sharia Bank can be said to run well with evidence that the congregation has increased every year

Strategi Survival Usaha Mikro Kecil Menengah Batik Tulis Pekalongan di Tengah Pandemi Covid-19 (Studi Kasus pada “Batik Pesisir” Pekalongan) Mohammad Rosyada; Anah Wigiawati
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 2 No 2 (2020): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

The Corona virus pandemic is not just a health disaster, the virus known as Covid-19 has caused chaos in the economic sector. Not only large industries, the Corona virus pandemic has made MSME players in Indonesia nervous. The existence of MSMEs, whose role has contributed significantly to the economic rate, has not been affected by the Covid-19 outbreak. Pekalongan Coastal Batik as one of Pekalongan's written batik MSMEs has also felt the impact of this Covid-19. This research was conducted to find out how the survival strategy carried out by Batik Pesisir Pekalongan can still exist and survive in the midst of the Covid-19 pandemic that has hit Indonesia. This study uses a qualitative method with a case study approach. From the results of this study, it can be seen that in running its business, "Batik Pesisir Pekalongan" uses various strategies in dealing with the competition in the batik industry amid the Covid-19 pandemic. The competitive strategy is taken by differentiating products every week, innovation and creativity, implementing friendly and excellent service to consumers, while in the promotion strategy "Batik Pesisir Pekalongan" uses several promotional mixes such as advertising, sales promotion, public relations. (public relations) and publications, direct marketing (direct marketing), personal selling and also internet marketing such as the use of social media and shorby (business links).

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Muhammad Majdy Amiruddin

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Home Page

OAI Link

Editorial Team

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Contact Name Muhammad Majdy Amiruddin

Contact Email muhammadmajdyamiruddin@iainpare.ac.id

Phone +6281241778806

Journal Mail Official jurnalbanco@iainpare.ac.id

Editorial Address Jalan Amal Bakti No. 08 Soreang Parepare

Location Kota pare pare, Sulawesi selatan INDONESIA

Abstract

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Contact Name
Muhammad Majdy Amiruddin

Contact Email
muhammadmajdyamiruddin@iainpare.ac.id

Phone
+6281241778806

Journal Mail Official
jurnalbanco@iainpare.ac.id

Editorial Address
Jalan Amal Bakti No. 08 Soreang Parepare

Location
Kota pare pare,

Sulawesi selatan

INDONESIA