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Fitria Rahmah
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Al-Tijary : Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
ISSN : 24609404     EISSN : 24609412     DOI : https://doi.org/10.21093/at.v7i2.3662
Core Subject : Economy,
Economics, Econometrics & Finance
Al-Tijary : Jurnal Ekonomi dan Bisnis Islam encompasses research articles, original research report, reviews, and scientific commentaries in the field of economics and islamic business, including:Islamic Economics, Islamic Business, Islamic banking, Islamic capital markets, Islamic wealth management, Issues on shariah implementation/practices of Islamic banking, Zakat and awqaf, Takaful, Islamic Corporate Finance, Shariah-compliant risk management, Islamic derivatives, Issues of Shari`ah Supervisory Boards, Islamic business ethics, Islamic Accounting, Islamic Auditing.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "AL-TIJARY VOL. 5, NO. 2, JUNI 2020" : 6 Documents clear
The Determinants of Islamic Banking Capital Structure in Indonesia Fenty Fauziah; Azhar Latief; Sri Wahyuni Jamal
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (683.151 KB) | DOI: 10.21093/at.v5i2.1765

Abstract

This study aims to analyze and explain the factors that influence capital structure. Capital structure (CS) is measured by Debt to Equity Ratio (DER). Profitability is determined by Return on Assets (ROA) and Net Profit Margin (NPM). Loan to Deposit Ratio (LDR) is used as an indicator of risThis study aims to analyze and explain the factors that influence capital structure. Capital structure (CS) is measured by the Debt to Equity Ratio (DER). Profitability is determined by Return on Assets (ROA) and Net Profit Margin (NPM). Financial to Deposit Ratio (FDR) is used as an indicator of risk. Firm size is projected with Ln TA. The population of this study is all Islamic banks contained in Bank Indonesia, with observation periods starting in 2010 until 2018. The selection of samples in this study is a purposive sampling method. Data analysis and hypothesis testing were carried out by using the Eviews 11 program. The results of the study showed that sharia banking companies, all the independent variables simultaneously had a significant effect on the capital structure.  Return on Assets (ROA) and firm size have affected the capital structure. Islamic bank managers in Indonesia choose the capital structure obtained from internal funds and the larger the company, it is necessary to arrange capital structure, to obtain the sustainability of the company in the future.k. Firm size is projected with Ln TA. The population of this research is all Islamic banks contained in Bank Indonesia, with observation periods starting in 2010 until 2017. The selection of samples in this study is purposive sampling method. Data analysis and hypothesis testing were carried out by structural equation model approach using the SPSS program. The results of the study showed that in Islamic sharia companies, all the independent variables simultaneously had a significant effect on the capital structure, partially only the Loan to Deposit Ratio (LDR) variable that did not affect the capital structure, while the other independent variables had a significant temporary effect on conventional Research conducted by the researchers themselves used some of the same variables and using the PLS 3.0 analysis tool there were similar results that only risks did not affect the capital structure. The conclusion of this study is that there is no difference in capital structure in Islamic banking companies and conventional banking companies.
Determinan Keputusan Menjadi Nasabah Jual Beli Valas (Al-Sharf) di Bank Syariah Musa Musa
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (551.957 KB) | DOI: 10.21093/at.v5i2.2023

Abstract

Forex trading is a part of the economic system that has an impact on satisfying the main needs in the life of global and modern society today. Currently, it is not only the foreign exchange market that conducts foreign exchange trading, but Bank Indonesia also holds a foreign exchange market, where foreign exchange banks can carry out foreign exchange transactions with BI. The satisfaction of community needs in this regard is related to product innovation, location, and promotion strategies in forex trading. The purpose is to analyze the effect of product innovation, location, and promotion strategies on the decision to become a foreign exchange customer (sharf) at Bank Syariah Mandiri Pangkalpinang Branch. This research is a quantitative descriptive. The sample is 66 customers. While the analysis technique used is the multiple linear regression test. The results are: (1) There is a significant influence of the product innovation variable on the decision to become a foreign exchange customer; (2) There is no significant effect of location variables on the decision to become a foreign exchange customer; (3) There is a significant influence of promotion variables on the customer's decision to buy and sell foreign currencies.
Peranan Media Sosial Sebagai Agen Sosialisasi Halal dalam Membangun Kesadaran Halal: Studi Netnografi Miftakhul Khasanah
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (904.127 KB) | DOI: 10.21093/at.v5i2.2116

Abstract

This study aims to determine public behavior related to the use of social media as a source of information and knowledge about halal and the role of social media and its function as an agent of socialization to transfer knowledge and information about halal and build halal awareness in the community. This research was conducted with a Netnographic study. Netnography is an interpretive approach to study consumer behavior from various cultures and communities in cyberspace or the Internet. This approach is also referred to as "digital ethnography" or "virtual ethnography". This study uses the 'halal corner' virtual community account as the object of study and data source to observe the process of transferring halal information and knowledge in shaping halal awareness in the community. This research found that social media acts as an agent for halal socialization and plays a role in shaping halal awareness of Muslim communities.
Solusi atas Permasalahan Pengawasan dan Penagihan Outstanding Premi Asuransi Syariah di Indonesia Bambang Dwi Handoko; Achmad Firdaus
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (933.398 KB) | DOI: 10.21093/at.v5i2.2138

Abstract

Islamic Insurance has to increase its profit, especially premium as the main income to maximize the profit. It’s also the purpose of the Sharia Unit Bumiputera Muda 1967 General Insurance. Therefore, it needs strategies and efforts and minimizes the obstacles. One of them is the premium receivables that have matured but not collected or called the outstanding premium. This study aims to analyze problems of the premium receivables that have matured but not collected or called the outstanding premium. Therefore, it needs strategies and efforts and minimizes the obstacles. This study uses a qualitative-quantitative method using Analytic Network Process (ANP). The analysis is focused on internal-external problems and short-term-long term solutions from Sharia Unit Bumiputera Muda 1967 General Insurance that are expected to overcome these problems. The results showed that the most priority problem is internal problems, as follows: premium payment and billing system, internal control, and less effective business processing. Meanwhile, the most priority solution is short-term, as follows: communication and confirmation, performance and operational effectiveness, and structural appreciation and punishment. The results are expected to be implemented by insurers and support the regulator to establish specific policies related to this issue.
EFFECT OF ZAKAT, INFAK AND SEDEKAH (ZIS), INDEX HUMAN DEVELOPMENT (HDI) AND UNEMPLOYMENT ON INDONESIAN ECONOMIC GROWTH AT 2013-2017 Agus Arwani; Anis Wahdati
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (670.031 KB) | DOI: 10.21093/at.v5i2.2220

Abstract

Islamic view that growth in the economy is not only oriented to create accretion of single production but indicated the basis of the fairness of distribution, one of them with equal distribution of income that did not create a gap between the rich and the poor. In its development, many factors influence the economic growth, Including Zakat Infak and Sedekah (ZIS), Human Development Index, and Unemployment rate. The research type is explanatory with a quantitative approach. The type of data used is secondary data and Analysed using multiple linear regression by using Software Eviews 10. The results of the study have demonstrated that Zakat Infak and Sedekah (ZIS) and the Human Development Index (HUMAN DEVELOPMENT INDEX) influence positively and significantly on Indonesia's economic growth in 2013-2017. While unemployment did not affect. Based on the F-test, variable Zakat Infak and Sedekah (ZIS), the Human Development Index (HUMAN DEVELOPMENT INDEX), and unemployment simultaneously affected the Indonesia’s Economic growth . The magnitude of the effect of independent variables on the dependent variable amounted to 41.1%, while 58.9% are influenced by variables other research.
Implementasi Akad Pembiayaan Qard dan Wakalah bil Ujrah pada Platform Fintech Lending Syariah ditinjau Berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) dan Fatwa DSN-MUI Sri Maulida; Ahmadi Hasan; Masyitah Umar
Al-Tijary AL-TIJARY VOL. 5, NO. 2, JUNI 2020
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (480.563 KB) | DOI: 10.21093/at.v5i2.2303

Abstract

The purpose of this research is to analyze the implementation of Qard and Wakalah bil Ujrah financing contract for Sharia Lending Platform reviewed based on regulation of Otoritas Jasa Keuangan (OJK) and Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). The method of approach used in this research is a method of empirical approach that is legal research on the enforcement or implementation of normative provisions in action at any particular legal event occurring in the community. The results showed that the information system with Sharia invoice financing used by sharia Investree Platform is according to review based on regulation of OJK No. 77/POJK.01/2016 in chapter IV of article 19 of the financing agreement on lending services based on information technology with Lenders. Secondly, the implementation of Akad Al qordh used by Sharia Investree Platform has been reviewed according to the Fatwa DSN MUI No. 19/DSN-MUI/IV/2001 on Al-Qardh. Thirdly, the implementation of Akad Wakalah bil Ujrah used by Sharia Investree Platform has been reviewed according to Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Akad Wakalah Bi Al-Ujrah which is devoted to the Fatwa DSN-MUI No. 67/DSN-MUI/III/2008 on Islamic debt factoring. Fourth, the classification of QARDH and Wakalah bil Ujrah that used by the sharia Investree Platform is using a factoring financing model reviewed by the Fatwa DSN-MUI No. 117/DSN-MUI/II/2018 on information technology-based financing services based on Islamic principles.

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