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Balanca : Jurnal Ekonomi dan Bisnis Islam
Published by Institut Agama Islam Negeri Parepare
ISSN : 26859440     EISSN : 27156370     DOI : https://doi.org/10.35905/balanca.v2i1
Core Subject : Economy,
Economics, Econometrics & Finance
Islamic Management, Islamic Banking, Islamic Marketing, Islamic Human Resources, Islamic Finance, Islamic Accounting, Islamic Microfinance, Zakah, Waqf, Philantrophy, Poverty Alleviation, Islamic Public Finance, Maqasid al-Shariah, ShariahIssues, Sukuk, Islamic Capital Markets, Insurance and Takaful, Corporate Social Responsibility in Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 82 Documents
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Penerapan Etos Kerja Islami dalam Meningkatkan Produktivitas Karyawan pada Bank Syariah Mandiri Kantor Cabang Parepare Satar, Muhammad
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 3 No 2 (2021): BALANCA : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v3i02.2633

Abstract

Superior human resources and have a good work ethic can be influenced from the educational background and work experience possessed by the individual because the work ethic cannot be separated from the quality of the human resources themselves. Increasing the quality of employees can be achieved if there is an even and quality education, accompanied by an increase and expansion of education, expertise and skills so that the activities and productivity of employees as economic actors increases. In daily life as Muslims, in addition to being ordered to worship, God commands to work. In the Qur'an and the Hadith it is clear about good work and how we obtain sustenance in a way that is acceptable to Allah SWT. Discipline is one of the important factors in improving the quality of the work ethic, therefore discipline in employees must be increased every day.
Mekanisme Pengimpunan dan Pendistribusian Zakat Fitrah di Masjid AL-Ikhlas Pawosoi Kec. Wotu Kab. Luwu Timur Suardi, Aqilla Nur Fadia Ardi; Yusuf, Hardianti
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i1.2826

Abstract

The aim of this study was to ascertain the mechanism for collecting and distributing zakat fitrah at Masjid al-Ikhlas Pawosoi, located in Kec. Wotu, Kab. East Luwu. The research employed a field research approach utilizing qualitative descriptive methods. The methodology encompassed qualitative data analysis through interviews and documentation. The findings revealed the following: 1) The management of zakat fitrah at Masjid al-Ikhlas Pawosoi, Kec. Wotu, Kab. East Luwu, can be classified as moderate and standard, as it has fulfilled the aspects of collection and distribution. Nevertheless, concerning distribution, optimization is yet to be achieved due to the absence of definitive criteria for zakat recipients. Mustahik are solely chosen and recorded in accordance with observations made by the Mosque's Imam as the Amil Zakat. Moreover, both the Amil Zakat and the Zakat Committee consist of capable and experienced individuals. 2) The collection process has been executed effectively, with each Muzakki fulfilling their zakat fitrah obligation based on their understanding of its mandatory nature. Challenges such as Muzakki paying zakat outside the mosque have been addressed by proactively visiting the Muzakki's residence and directly confirming whether zakat has been paid. 3) The distribution of Zakat, or the dispensation of zakat, occurs around Masjid al-Ikhlas, Kec. Wotu, Kab. East Luwu, preferably before the Eid prayers but generally during the takbiran period. 4) The empowerment of zakat has yet to be realized, as the distribution of zakat is still primarily intended for consumptive purposes.
Analisis Pengaruh Biaya Produksi terhadap Laba Bersih pada PT. Aneka Tambang Tbk Zainuddin, Elza; Wahab, Abdul; Masse, Rahman Ambo
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2023): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v5i1.2869

Abstract

Profit is a part that is always a target to be achieved by a company. every company. To obtain maximum profit, the company must be able to reduce production costs incurred in its operations. This study aims to determine the effect of production costs on net profit at PT. Aneka Tambang Tbk. This study uses a quantitative approach. The data used is secondary data obtained from the quarterly financial reports of PT. Aneka Tambang Tbk. starting from 2018 to 2021 which is adjusted to the financial reports on the Indonesian Stock Exchange. The analysis used in this research is simple linear regression analysis. The results showed that the production cost variable had a significant positive effect on net income. This significant positive result is evidenced by the results of the Production Cost t-test which has a significance value of 0.006 in the positive direction. The level of strength of the relationship between production costs and net profit is in the medium category because the coefficient of determination obtained is 42.6%.
Pasar Uang Berdasarkan Prinsip Syariah (Fatwa Dewan Syariah Nasional No.37/DSN-MUI/IX/2002) Utami, Dian; Apryliani , Apryliani Usman; Wirna; Octavia, Ismi; Nurhaliza; Runtuwene, Dwi Windi
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i1.3081

Abstract

The money market serves as a nexus for financial transactions between two parties: one with surplus funds and the other lacking adequate funds. From an Islamic perspective, the employment of an interest rate system is prohibited. Instead, Islamic finance principles advocate the use of contracts such as Musyarakah, Mudharabah, Al-sharaf, wadiah, Al-qard, gharar, and maysir to replace interest-bearing elements. The Islamic money market is a tangible manifestation of these principles, having garnered approval through the issuance of DSN Fatwa No. 37/DSN-MUI/IX/2002, which endorses the operation of the interbank financial market in accordance with Sharia principles.
Pemahaman Mahasiswa Muamalah IAIN Parepare terhadap Asuransi Syariah Nur, Rahmah; Aris, Masniati; Suhermin, Mirandha; Amelia, Fausia; Nurfadilah, Nurfadilah; Hafizah, Norhana; Armila, Armila; Asikin, Risma
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i1.3090

Abstract

Sharia insurance plays a pivotal role in offering support and protection to its members in the face of uncertainties and losses. However, the comprehension of students concerning sharia insurance exhibits a notable spectrum of variability. As such, this study endeavors to delve into the nuanced understanding of Muamalah students at IAIN Parepare regarding sharia insurance. The primary goal is to gauge the depth of knowledge these students possess in this domain. By adopting a qualitative approach, this research capitalizes on field research as its chosen methodology. The study sample encompasses 8 Muamalah students, who were thoughtfully selected to partake as respondents, contributing their perspectives through interview sessions. Through this method, a comprehensive analysis of the students' comprehension of sharia insurance was conducted. The findings yielded from the research elucidate intriguing insights into the perspectives of Muamalah students at IAIN Parepare. Among the respondents, a notable 57.2% affirmed their grasp of insurance concepts, underscoring their familiarity with the fundamental tenets of sharia insurance. Conversely, an intriguing 43.0% of participants conveyed their lack of understanding in this realm, hinting at the presence of potential gaps in the pedagogical approaches or materials employed in disseminating knowledge about sharia insurance.
Pengaruh Ekonomi Makro terhadap Perubahan Laba Operasional Bank Umum Syariah di Bursa Efek Indonesia Siti Nuraeni; Hj. St Nurhayati; Hamid, Abdul; Semaun, Syahriyah; Damirah
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 1 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i1.3646

Abstract

This study endeavors to achieve the following objectives: (1) assess the extent of fluctuation in the operational profit of Islamic commercial banks, (2) investigate the impact of inflation on operational profit changes in Islamic commercial banks, (3) analyze the correlation between changes in national income and operational profit in Islamic commercial banks, (4) establish a significant and positive macroeconomic relationship with operational profit variations in Islamic commercial banks, (5) quantify the magnitude of macroeconomic influences on operational profit changes in Islamic commercial banks, and (6) explore potential simultaneous effects of inflation and national income on operational profit changes in Islamic commercial banks. The research employs a descriptive quantitative approach. The findings indicate a substantial and sharp decline in the operational profit of Islamic commercial banks during the period 2019-2021. While the partial analysis reveals no significant impact of inflation on operational profit changes in Islamic commercial banks, a similar lack of influence is observed between national income changes and operational profit fluctuations in Sharia commercial banks. Conversely, the study establishes a positive and statistically significant correlation between macroeconomic variables and operational profit changes in Islamic commercial banks. The Adjusted R Square value stands at 10%. Notably, a simultaneous analysis of inflation and national income variables suggests no combined effect on operational profit changes in Islamic commercial banks.
Pengaruh Kompetensi, Prestasi Kerja, dan Pengalaman Kerja terhadap Pengembangan Karier Pegawai Kantor Wilayah Kementerian Agama Provinsi Sulawesi Selatan Khaer, Nisaul; Hidayati, Ulfa
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2023): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i1.3655

Abstract

This research aims to examine the impact of competence, work performance, and work experience on the career development of employees in the Regional Office of the Ministry of Religious Affairs in South Sulawesi Province. The sample for this study comprised 142 respondents who were civil servants employed at the Regional Office. To address the research objective, the author employed the multiple linear regression analysis technique with the aid of SPSS software. The findings of this study provide empirical evidence of the positive and significant influence of competence, work performance, and work experience on the career development of employees in the Regional Office of the Ministry of Religious Affairs in South Sulawesi Province. These results underscore the importance of enhancing competence, improving work performance, and acquiring relevant work experience as pivotal factors in advancing the careers of employees within this organizational context. The implications of this research highlight the need for organizations to prioritize competence development programs, performance management systems, and opportunities for employees to gain diverse work experiences. By investing in these areas, organizations can foster the professional growth and career advancement of their employees in the Regional Office of the Ministry of Religious Affairs in South Sulawesi Province. Future research can further explore additional variables or contexts to gain a comprehensive understanding of career development within the ministry and provide valuable insights for effective human resource management practices.
Faktor-Faktor Pendorong Motivasi Dan Perannya Dalam Mendorong Peningkatan Kinerja: Tinjauan Pustaka Akbar Abbas, Subhan
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2023): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i1.4295

Abstract

In order for a company to achieve maximum results in terms of productivity, it needs to perform well. One of the factors that can affect performance is motivation, which is frequently studied as a factor that can affect performance. An individual's motivation can be defined as an urge to act, work, and accomplish something that arises from within. Motivation can be influenced by the desire, the need, and the desire to gain a sense of security about many things, including the work itself. In addition to these factors, there are also external factors that may be influencing motivation, such as the environment and co-workers, leadership attitudes, and incentives offered. As part of this research, a literature review is conducted to examine what factors can affect motivation as well as how motivation influences performance and plays a role in improving it. Based on the results of this study, it is clear that motivation is influenced by internal factors of a person, which include psychological factors, as well as external factors such as salary and incentives, which are also important factors that influence performance. It is important to understand that motivation plays a crucial role in supporting performance by allowing a person to work more effectively and efficiently.
Aksesibilitas Informasi dan Pengetahuan Masyarakat Towani Tolotang Terhadap Produk, Fitur Produk dan Preferensi Perbankan Syariah di Kota Parepare Saleh, Muhammad; Syarifuddin, Mustika
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 5 No 1 (2023): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v6i1.4614

Abstract

This study explores the accessibility of information and knowledge among the Towani Tolotang community regarding products, product features, and preferences in Shariah banking in the city of Parepare. The research aims to address two main questions: 1) Is there a correlation between the accessibility of information and the Towani Tolotang community's preferences towards products, product features, and Shariah banking in the city of Parepare? 2) Does the combined effect of the accessibility of information and knowledge among the Towani Tolotang community have an impact on product preferences and product features in Shariah banking in the city of Parepare? The study employs a quantitative field research methodology and a positivist approach. The sample size consists of 88 individuals selected from a population of 771 Towani Tolotang community members using Isaac and Michael's random sampling formula. The data collection methods include questionnaires, observation, and documentation. Multiple linear regression analysis is used to process and analyze the data. The research findings indicate that there is a significant correlation between the accessibility of information and the Towani Tolotang community's preferences towards products, product features, and Shariah banking in the city of Parepare. The study further reveals that the combined effect of the accessibility of information and knowledge among the Towani Tolotang community has a significant impact on product preferences and product features in Shariah banking in the city of Parepare.
Konsep Nilai Tukar Uang Perspektif Ekonomi Islam Sahrani; Nasir, Nur Amaliah; Tauhid, lman
Balanca : Jurnal Ekonomi dan Bisnis Islam Vol 4 No 2 (2022): Balanca: Jurnal Ekonomi dan Bisnis Islam
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/balanca.v4i2.4702

Abstract

This research discusses the transformation of the role of currencies in the context of the global economy and its impact on the Rupiah exchange rate. In the Islamic perspective, fiqh muamalah faces debates regarding currency trading, while Islamic economics emphasizes moral principles and social justice in resource ownership. The literature study outlines the concepts of exchange rates, foreign exchange transactions, and the basics of Islamic economics. The method in this research uses library research, which is a method of collecting data by understanding and studying theories from various literatures related to the research. In Islamic economics, currency exchange activities or exchange rates are called sharf activities. Where the sharf activity is permissible. Sharf is the sale and purchase or exchange between one foreign currency and another foreign currency, such as rupiah with dollars, dollars with yen and so on. The results of the study include the DSN fatwa regarding the interbank money market based on sharia principles, which emphasizes the prohibition of usury and uses contracts such as wadiah, qard, and alsharaf. This study contributes to further understanding of the Islamic view of currency trading in the context of the global economy.

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