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DIRHAM Jurnal Ekonomi Islam
Published by Institut Bisnis Muhammadiyah Bekasi
ISSN : 27770907     EISSN : 27981142     DOI : https://doi.org/10.53990
Core Subject : Economy,
Economics, Econometrics & Finance
Berisi tentang hasil penelitian dan kegiatan pengabdian kepada masyarakat di bidang pengembangan ekonomi syariah, dari sisi penerapan di UMKM, industri berskala besar, perbankan dan non-profit, yang dikaitkan dengan hukum ekonomi dan perdagangan sesuai syariah Islam.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 30 Documents
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PENGARUH PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP TINGKAT PROFITABILITAS PADA PT BANK MUAMALAT INDONESIA Tbk. PERIODE 2008 – 2017 M. Givi Elgivia; Mufid Habib Mustofa; Maya Insa Fiana
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (870.242 KB) | DOI: 10.53990/djei.v1i1.41

Abstract

Financial Institutions In Particular The Banking Sector Is A Community Institution Expected To Be Able To Control The Economic Wheel. Countries Of Indonesia As A State That The Majority Of Islamic Religion Has Longly Taken The Presence Of The Financial Institution System Which According To The Needs Of The Needs Is Not Financial, But Also The Morality Demands. Islamic Bank. Methods Used In Writing Reports Final This Is Using Analysis Descriptive, Where The Method Of Data Collection To Do With How To Give A Snapshot, Explanation Systematic, Factual And Accurate To Object That Is The Subject Issues Is The Effect Of Financing Mudharabah And Musyarakah On The Level Of Profitability In Pt. Bank Muamalat Indonesia Tbk Period 2008 – 2017 Based On These Research Results Show The Value Of Determination Coefficients (R2) That Financing Mudharabah And Musyarakah Gives 40% Diversity To The Profitability Level, As Well As A 60% Rate, Is Affected By Other Factors Not Observed In This Research.
ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN PELANGGAN DI MASA PANDEMI (Studi Kasus Klinik Pusat Bekam Dan Ruqyah Pedurenan) MUHAMMAD NUR ISHAK
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (204.964 KB) | DOI: 10.53990/djei.v2i2.119

Abstract

This study aims to determine whether the marketing strategy, marketing mix includes applied products, prices, promotions, locations, people, processes and physical evidence at the Center of Cupping and Ruqyah clinics can increase customers in the academy period. This research is a qualitative study using the phenomenological method, using interview and observation techniques to collect sample data of employees and clinic customers at the Center of Cupping and Ruqiyah Pedurenan. The results showed that the marketing strategy implemented in the midst of a pandemic at the Center for Cupping and Ruqiyah Pedurenan clinics in the form of a marketing mix that included products, prices, promotions, locations, people, processes, and the physical evidence had an impact on increasing customers during the pandemic. Cupping Center Clinic and Ruqiyah Pedurenan should maintain the best-applied marketing mix. The marketing solutions for the Center of Cupping and Ruqiyah Pedurenan clinics are already good, and it will be even better if the clinic continues to improve its marketing strategy considering that currently there are many similar cupping businesses that provide better service, and this is a spur for clinics to continue to innovate and improve quality. service and marketing.
PENGELOLAAN WAKAF UANG TUNAI PADA LEMBAGA DARUT TAUHID (DT) PEDULI KOTA SUKABUMI WAHYUNI ABDUN; TOTOH ABDUROHMAN
DIRHAM Jurnal Ekonomi Islam Vol 1, No 2 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (206.956 KB) | DOI: 10.53990/djei.v1i2.73

Abstract

This study is intended for getting information about the strategy of developing cash waqf at the institution of Daarut Tauhiid Peduli, Sukabumi. Another purpose was also to find out the law of cash waqf in the view of muamalah fiqih and the law based on the fatwa of Indonesian Ulama Council (MUI). The techniques of data collection for this study were interviews conducted direct communication, and also by phone. The method of analysis was descriptive analysis which is qualitative research. Also, the researcher made a complex view of the respondents based on the real situation. The results indicate there was a considerable positive influence in society, so that it can create the enthusiasm of the community for waqf with cash.
IMPROVING FINANCIAL PERFORMANCE THROUGH ISLAMIC CORPORATE GOVERNANCE, ISLAMIC CORPORATE SOCIAL, AND INTELLECTUAL CAPITAL YUSVITA NENA; ISTIANA LAILAULFA
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (423.922 KB) | DOI: 10.53990/djei.v2i1.99

Abstract

The rapid development of Islamic banks requires Islamic banks to continue to create value as a competitive advantage and demonstrate the healthy performance of Islamic banks. There are several determinant factors as the creator of added value, namely Islamic Corporate Governance, Islamic Corporate Social, and Intellectual Capital. With the increase in the added value factor, the performance of Islamic banks will improve and be able to absorb the market share of Islamic banks to be wider. Islamic Bank Financial Performance in this study uses the measurement of the Islamix Performance Index (IPI). By using the analysis tool EViews 9, the results of a partial regression test are obtained that the three factors that add value to the company, namely ICG, ICSR, IC, affect the financial performance of Islamic banks.
PENGARUH PEMBIAYAAN AKAD MUSYARAKAH DAN AKAD IJARAH TERHADAP TINGKAT KEUNTUNGAN PERSEROAN TERBATAS BANK PEMBIAYAAN RAKYAT SYARIAH MANDIRI PERIODE 2003-2017 GIVI ELGIVIA; WAHIDIN MUSTA’IN BILLAH; DINA WULANDARI
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (417.997 KB) | DOI: 10.53990/djei.v1i1.42

Abstract

This Study analyze the effect of musyarakah financing and ijarah financing on profitability level at Bank Mandiri Syariah by using ROA ( Return on Asset)ratio. The research method used is descriptive research of quantitative approach anc case study at Bank Syariah Mandiri. The type of data obtained from this research is secondary data based on the result of the financial report of Bank Syariah Mandiri linked and through the website www.ojk.go.id Analyzer used in multiple linear regression analysis. The sampling technique used was purposive sampling. The sample has 15 accounting reports that meet the determined criteria. Through fifteen years of observation period starting from the year 2003 to 2017 the unit of analysis obtained is a financial statement of an accounting report. The research variable consisted of independent variables in the form of musyarakah financing (X1), Ijarah financing (X2), and influence to profitability level (Y). These variables were tested with multiple linear regression analysis with 5% if significance level. Analysis technique data used is partial statistical analysis (Ttest) and Simultaneous statistical analysis (Ftest). The result of this research indicated that Musyarakah financing and Ijarah financing did not partially have an effect on profitability with the Tcount value of 3,987 Musyarakah financing and 2,343 Ijarah financing. the result simultaneous by F test is known that simultaneously Musyarakah financing and Ijarah financing does no effect the stock price with the value Fcount value of 8,419 which is lower than Ftable score 3,81
ANALISIS KINERJA KEUANGAN BMT (KSPPS) (Studi Kasus BMT Pratama Cahaya Mentari Rawalumbu Kota Bekasi) WAHIDIN MUSTA’IN BILLAH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (376.505 KB) | DOI: 10.53990/djei.v2i2.120

Abstract

The purpose of this research is to improve the financial performance of Baitul Maal wat Tamwil (BMT) Pratama Cahaya Mentari Rawalumbu Kota Bekasi using SWOT analysis. In this study, using primary and secondary data obtained from financial reports. The research method used is a descriptive qualitative method. Based on the ministerial regulation, regarding the cooperative with achievements, it can be concluded that performance and financial management at BMT based on the results of the data are considered to have been running at 51%. This is due to the limited funds that can be used. In terms of cash flow, it is still minus because BMT KSPPS Pratama Cahaya Mentari has just been established, while there are fixed expenses that must be issued every month such as electricity and employee salaries. This is still assisted by the leadership of the Muhammadiyah Rawalumbu Branch.
RISIKO HUKUM DALAM PERJANJIAN PEMBIAYAAN MURABAHAH DI PERBANKAN SYARIAH ERIANDI ERIANDI
DIRHAM Jurnal Ekonomi Islam Vol 1, No 2 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (118.448 KB) | DOI: 10.53990/djei.v1i2.74

Abstract

The aim of this research is to analyze the law risk in murabahah agreement in syaria banking. From its approach, this research was the normative juridical, which the research based on the literature study to get the secondary data in law areas and also to do the literature research to complete document received from the literature. The summary of this research was the law risk of murabahah agreement existed. This caused by the agreement have not fulfilled yet the syaria principle because in the agreement, the selling prices based on the total payment not form the historical prices from the products bought from the consumer which had potential risk of usury.
IMPLEMENTASI METODE PERHITUNGAN MARGIN PADA AKAD PEMBIAYAAN MURABAHAH BMT UGT SIDOGI HAYATUL MILLAH; NUR HAYATI
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (255.859 KB) | DOI: 10.53990/djei.v2i1.101

Abstract

This study aims to determine the implementation of the margin calculation method on murabahah financing contracts at BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo. This type of research is a qualitative research. Qualitative method is a research method that uses the philosophy of positivism as a basis, this method is used to conduct research in conditions of natural objects. This study shows the results that the percentage margin for murabahah financing is determined by the size of the financing ceiling proposed by each customer, at BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo, the maximum ceiling in accordance with the policy of the Islamic Bank central team is only 50,000,000 . BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo in calculating the profit margin for murabahah financing using the principal calculation method, which is a simple formula used by BMT to determine the total installments, principal financing and profit margins.
PERAN LEMBAGA AMIL ZAKAT, INFAK dan SEDEKAH MUHAMMADIYAH (LAZISMU) DALAM PEMBERDAYAAN EKONOMI MUSTAHIK PERIODE 2016-2018 WAHIDIN MUSTA’IN BILLAH; MUFID HABIB MUSTOFA; KHALIMI KHALIMI
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.252 KB) | DOI: 10.53990/djei.v1i1.43

Abstract

Empowerment is a standard of living that is desidered for all people, especially those in the middle to lower category or commonly known as the poor. One of the zakat collecting, Management, and Collection Institutions that has tried to deal with poverty is the Mustahik economic empowerment program implemented by one of the programs called the establishment of 1000 MSME (Micro Small and Medium Enterprises) under the auspices of the Muhammadiyah central board of Muhammadiyah. Mustahik economy after the program. This research focuses on one problem, namely: what are the supporting and inhibiting factors of LAZISMU Muhammadiyah central leadership in the implementation and improvement of the mustahik economy. This type of research is a qualitative study, while the specifications of this study are based on observations, interviews and documentation obtained when conducting activities in the field (field research). The result of this study are first, an increase in house should income, second, an increase in the accumulation mustahiq 1000 MSME Programs, including:first, Strengthening the characters of business, training and motivation to trade, second, guidance and assistance in running the Micro, Small, and Medium Enterprises. Supporting factors in the implementation and improvement of the mustahik economy is that there is a clear guideline concept on employee loyalty, very high companion program loyalty and capital and donors available so that the program can run. While the inhibiting factors are limited capital from available zakat funds, uneven level of education among MSME members, difficulty in finding donors because LAZISMU Muhammadiyah central leadership is not in accordance with the program that is expected of donors, there is no responsibility from mustahiq members and there are financial reports lack of openness (transparency) regarding fund management which explains the source of funds collected and some funds channeled.
PERAN LEMBAGA KEUANGAN SYARI’AH DI MASA PANDEMI COVID-19 DALAM MERANGKUL UMKM (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu) WAHIDIN MUSTA’IN BILLAH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (398.505 KB) | DOI: 10.53990/djei.v2i2.121

Abstract

Since the time of the Covid-19 Pandemic, economic sectors have implemented work from home (WFH) policy as well as the world of education organizing school activities and lectures online. This condition encourages the public to comply with government directions so that there is no wider spread of Covid-19. With the existence of restrictions on community activities in various fields, those who really feel the impact are the entrepreneurs of the Micro, Small, and Medium Enterprises (MSMEs). This research uses qualitative research methods with primary and secondary data. This study finds that it is necessary to have the role of financial institutions that can support the capital of MSMEs. Sharia Financial Institutions (LKS) are institutions engaged in the financial sector, both collection and financing as well as operations in other financial services. As an LKS, in carrying out its role, KSPPS BMT Pratama Cahaya Mentari has the potential to run with extraordinary support from Muhammadiyah residents and the local environment. In addition, to support from the community, BMT PCM has strong pillars, including diverse and solution products and services. The latest system of procedures, prudence, and compliance with SDI's sharia and integrity, professional and competent leadership, infrastructure that seeks to be reliable, sturdy and adaptive, safe, and directed. The implementation of KSPPS BMT Pratama Cahaya Mentari has been running 51%.

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