cover
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
Banco: Jurnal Manajemen dan Perbankan Syariah
ISSN : 26849534     EISSN : 26848643     DOI : -
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.
Articles 83 Documents
Preferensi Masyarakat terhadap Produk Wadi’ah pada Bank BTN Syariah Parepare Agung Kurniawan; Suarning; M. Ali Rusdi
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 1 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i1.2157

Abstract

This study will examine two problems, namely: How do the products Wadi‟ah at Bank BTN sharia Parepare and What are Community Preferences on Wadi‟ah products at Bank BTN Syariah Parepare. The purpose of this research to find out what people's preferences are when listening and knowing regarding Wadi‟ah products at Bank BTN Syariah Parepare. This type of research is field research that is qualitative descriptive. The approach used is a phenomenological approach. The data collection technique is using the observation method, the dept interviews and documentation. Data analysis techniques using Data Reduction (Data Reduction), Data Display (Data Presentation), Conclusing Drawing/Verification (Draw a conclusion). The results of this study indicate that: 1) Wadi‟ah products at Bank BTN Syariah Parepare are a pure deposit from a party that saves or entrust to the party receiving the deposit to be used or not used in accordance with mutually agreed terms. Wadi‟ah products in Bank BTN Syariah Parepare uses a profit-sharing system, calculated based on the ratio is multiplied by the Bank's income on the funds deposited by the customer. 2) Public preference for Wadi‟ah products at Bank BTN Syariah Parepare influenced by several preference concepts, namely: Completeness, Transivity, Continuity, and More is better. People's preferences are also affected by several factors, namely: Cultural Factors, Social Factors, Personal Factors, and Psychological Factors
Analysis of Employee Spirituality on Organizational Behavior Gifi Wansya Putri Haya
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2485

Abstract

This article aims to study spirituality where it is a new discussion in the study of organizational behavior. By conducting a literature review, this article discusses the concept of spirituality, developments and research examples, as well as several theoretical concepts from previous research that can be used as a reference for the development and theoretical growth of spirituality studies on organizational behavior. In the future era, the study of spirituality can be further developed by strengthening the theoretical foundation and improving the design of empirical research methodologies.
Analisis Peranan Leadership Serta Budaya Organisasi terhadap Perilaku Karyawan Indah Ayu Lestari; Mansur Chadi Mursid
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2486

Abstract

Organisasi adalah media sekelompok orang yang memiliki tujuan serta ingin dicapai melalui orang-orang yang berada dalam organisasi tersebut. Pencapaian melalui berapa orang tersebut merupakan pokok tercapainya tujuan yang telah direncanakan. Namun banyaknya masyarakat yang menilai suatu keberhasilan dari organisasi atau perusahaan ditautkan dengan adanya rangkaian produksi barang maupun jasa yang berkualitas tinggi dan berkuantitas. Bagian atau unsur terpenting di antara bagian-bagian tersebut yaitu sumber daya manusia (SDM), individual atau tenaga kerja. Dapat diketahui faktor sumber daya manusia atau tenaga kerja merupakan pengendali dari segala macam aktivitas perusahaan. Tujuan organisasi dapat tercapai apabila didukung oleh leadership atau kepempinan dan budaya organisasi yang efektif sehingga kinerja karyawan dapat terus berkembang dan meningkat. Dengan kinerja karyawan meningkat akan berdampak positif pada kinerja organisasi juga. Peningkatan Kinerja karyawan dapat dilakukan dengan memperbaiki atau merubah budaya organisasi yang lebih efektif karena Budaya Orgnaisasi secara positif signifikan mempengaruhi kinerja karyawan.
Penerapan Konsep Ekonomi Abu Yusuf Dalam Kitab Al-Kharaj (Perpajakan) Saat Ini EKA DEWINTARA; Sarmila
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 1 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i1.2596

Abstract

Tokoh terkenal Abu Yusuf dengan karya monumentalnya adalah kitab Al-kharaj, yang telah melakukan serangkaian karya luar biasa di bidang perpajakan. Yang ditulis lantaran permintaan dari Khalifah Harun Ar-Rasyid, berfungsi untuk pedoman administrasi perpajakan. Yakni salah satu bagian dari pendapatan pemerintah, pajak semestinya tidak membebani warga negara dengan ukuran tampilan mereka. Tujuan kompilasi ini adalah untuk mempelajari sejarah dan isi kompilasi kitab-kitab Al-kharaj. Tidak hanya itu, artikel ini mengakui konsep perpajakan yang ditulis oleh Abu Yusuf dan relevansinya bagi perekonomian sekarang ini. Proses yang digunakan dalam penulisan ini adalah metode hipotetis penalaran karakter tentang perilaku, tulisan, dan fenomena yang ada pada saat itu. Ada kemungkinan beberapa aspek, baik internal maupun eksternal, menjadi pemicu untuk mengidentifikasi latar belakang gagasan Abu Yusuf. Temuan menunjukkan bahwa pemikiran pajak Abu Yusuf merupakan salah satu konsep yang digunakan selama ini. Konsep ini digunakan dan diterapkan untuk menentukan persentase penerimaan pajak pemerintah. Konsep Alkharaj digunakan untuk pajak bumi dan bangunan (PBB) dan pendapatan bea cukai.
Pemikiran Ekonomi Islam Ibn Taimiyah Askar Abu Bakar
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2597

Abstract

Ibn Taimiyah provides an answer for the State in terms of the market mechanism, which is to become a post for deep quality improvement to make its people aware of the importance of moral standards and moral quality as a rule of progress and can make it happen in financial life. An Ibn Taymiyyah is of the view that looking at the market mechanism is actually not limited to monetary issues, more than that it includes several parts of state life and various aspects of life.
Analisis Penerapan Jaminan pada Pembiayaan Mudharabah dan Musyarakah di Perbankan Syariah Astriah; Muhammad Kamal Zubair
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 3 No 2 (2021): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v3i2.2654

Abstract

Sharia Banking is a financial institution that has sharia principles and applies Islamic law in making decisions. In the form of disbursement of funds that can be accessed by using mudharabah and musyarakah financing, the concept of mudharabah and musyarakah has the principle of trust (trust) but in practice Islamic banks apply guarantees in their financing, this is not in accordance with the initial principle of mudharabah and musyarakah, namely the trust system. The purpose of this study is to determine the difference between mudaraba and musyarakah in Islamic banking and to determine the application of existing guarantees in Islamic banking. This type of research uses a library research approach. The primary data source is the book "Sharia Guarantee Law and Its Implementation in Islamic Banking in Indonesia and the book Reconstruction of Collateral Law in Mudharabah Contracts" as well as other books related to secondary data sources from books, reports, journals, theses, dissertations, and others related . The data collection technique starts from reading references, then classifying them so that they get conclusions from the questions obtained so that they can answer the problem formulation. The data analysis technique used is the comparative method. The results of this study indicate that: (1) the difference between mudharabah and musyarakah lies in terms of understanding, legal basis, implementation in Islamic banking, capital, business management, ratio, business risk, guarantee and dispute resolution. (2) The principles of mudharabah and musharaka are the principles of trust, but in practice Islamic banks do apply guarantees as a condition in the event of default in the future, the guarantee can replace the losses of Islamic banks through auction. Keywords: mudharabah, musyarakah, guarantee, sharia banking
IMPLEMENTASI PRODUK PEMBIAYAAN UMKM DI BSI KCP KAJEN PEKALONGAN Ria Kusmawati Ria Kusmawati
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.2548

Abstract

Islamic banking is an economic institution that operates in the economic sector. Where this is banking has an important role in moving the wheels of the community's economy to become a better society and have quality human resources. This study aims to explain the practice of implementing financing products for the micro business segment at Bank Syariah Indonesia and strategies in increasing MSME financing at Bank Syariah Indonesia in order to realize the welfare of the community. The research uses a descriptive-qualitative methodology where the data used are primary and secondary data. Primary data was obtained by conducting interviews while secondary data was obtained from various literatures such as books, internet, journals and previous research. The results of this study can be formulated regarding the implementation of financing for the micro business segment at Indonesian Islamic Banks and strategies to increase MSME financing in Islamic Banks.
PERAN HUMAN RESOURCES DEVELOPMENT (HRD) DALAM MENINGKATKAN COMPETITIVE ADVANTAGE KARYAWAN PADA BTN SYARIAH KCPS PAREPARE Andi Asrul Hamka; Moh Yasin Soumena; Abdul Hamid
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.2653

Abstract

The purpose of this study was to determine the role of Human Resources Development in increasing the Competitive Advantage of employees at BTN Syariah KCPS Parepare. The formulation of this problem is (1) What is the role of HRD for employees of BTN Syariah KCPS Parepare?, (2) what steps are taken by HRD in increasing the competitive advantage of employees of Bank BTN Syariah KCPS Parepare?. The research method used is descriptive qualitative research to explain the implementation of the dual banking system at Bank BTN Syariah KCPS Parepare. This research will be conducted at Bank BTN Syariah KCPS Parepare. Primary data sources are bank employees as financing analysts and secondary data sources are relevant research journals. Data collection techniques are the methods of observation, interviews and documentation. Data analysis using Miles and Huberman, namely reduction, data display and conclusion drawing/verification. The results of the study show (1) The role of HRD in Bank BTN Syariah KCPS Parepare employees is very important, because with the existence of HRD the bank can more easily manage its employees, because it can organize, assess, provide training, and develop employees. Without HRD, the organization or bank will not run because HRD is the liaison between employees and the company. (2) The steps taken by HRD in improving its employees at Bank BTN Syariah KCPS Parepare are starting from looking for and selecting employees who are considered outstanding, providing training to employees who excel, so that employees are better trained with new things, so that able to develop new ideas or new innovations that can increase employee competitiveness. Keywords: The role of HRD, HRD in increasing the Competitive Advantage of Employees
Analisis Penerapan Sharian Compliance Pada Produk Pembiayaan Mikro BSI KUR Di Bank Syariah Indonesia Uswatun Hasanah; Nurul Fitriani; Kharis Fadlullah Hana
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.2730

Abstract

Implementation of Sharia Compliance is an absolute requirement that must be implemented by Sharia Banking by using the fatwa of the MUI DSN as a measuring instrument for compliance with Sharia Principles. However, in practice it is not as easy as what is discussed in theory, there are still many incidents that are prone to syar'i errors. The purpose of this study was to analyze the suitability of the application of Sharia Compliance to the BSI KUR-Mikro financing product at Bank Syariah Indonesia. This study uses a qualitative descriptive method that retrieves information trhough interviews. Data collection was obtained through interviews with employees and customers of Bank Syariah Indonesia Kudus branch. The results of this study indicate that: firts, Bank Syariah Indonesia has complied with sharia principles, because all transactions and activities are based on the fatwa of DSN MUI, and are supervised by DPS. Second, BSI KUR Micro financing products are already compliant with sharia principles because, not all businesses can be financed by BSI KUR Micro, but only businesses that have the potential to be halal. These results provide recommendations for further researchers to analyze sharia compliance not only from employee and customer assessments, but also to see sharia compliance through the Sharia Supervisory Board (DPS) directly. Keywords: Sharia Compliance, Islamic Banking, BSI KUR Micro
FACTORS INFLUENCING REGIONAL FINANCIAL MANAGEMENT AT THE EDUCATION, YOUTH AND SPORTS OFFICE OF POLEWALI MANDAR ismayanti2 ismayanti2
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.3508

Abstract

This study aims to determine the effect of regulations, commitments, and characteristics, supporting devices on regional financial management at the Education, Youth, and Sports Office of Polewali Mandar Regency. Data was collected through documentation, observation, and questionnaires. The sample of teachers is 38 respondents. Data processing consists of description analysis, correlation analysis, and regression analysis. The results of this study are (1) based on the results of testing using the coefficients test (T-test), the coefficient value between regulatory variables and commitment to regional financial management is 0.007 <0.05. These results indicate that there is a positive and significant relationship between regulation and commitment variables with local financial management at a significance of 0.05 or 5%; (2) based on the test results using the coefficients test (T-test), the coefficient value between the characteristic variables and the supporting tools for regional financial management is 0.001 < 0.05. These results indicate that there is a positive and significant relationship between the characteristics and supporting instruments variables with local financial management at a significance of 0.05 or 5%; (3) based on the ANOVA regression test (F test), the coefficient value between regulation, commitment, and characteristics, supporting devices for regional financial management is 0.00 < 0.05. These results indicate that there is a positive and significant relationship between regulation, commitment, and characteristics, supporting tools for regional financial management at a significance of 0.05 or 5%