Commodity : Jurnal Perbankan dan Keuangan Islam
Jurnal ini menyediakan forum untuk menerbitkan artikel terkait dengan ekonomi Islam. Seperti artikel tentang perbankan syariah, ekonomi syariah, bisnis syariah, manajemen syariah, sejarah pemikiran ekonomi Islam, sosial ekonomi Islam, zakat, wakaf dan shadaqah
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<![CDATA[STRATEGI PENGEMBANGAN USAHA DALAM MENGHADAPI TINGGINYA HARGA BAHAN BAKU PADA PRODUSEN TAHU SUMBER BERKAH DESA KLITIK, KECAMATAN GENENG KABUPATEN NGAWI ]]>
<![CDATA[Zaky Sarmada]]>;
<![CDATA[Suryo Prayogo]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 1 No 2 (2022): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v1i2.780
<![CDATA[The toughest challenge for tofu producers is the price of raw materials, namely soybeans, whose prices are unstable and tend to rise recently. not only to survive but also to develop. The increase in the price of soybeans has had a major impact on tempeh, tofu, and other processed products made from soybeans. The Sumber Berkah tofu industry is one of the businesses that process soybeans into tofu that is ready for sale. So that the increase in soybean prices greatly affects the sustainability of this tofu industry business. The Sumber Berkah tofu industry was founded in 2003 and is located in Sambirobyong Hamlet, Klithic Village, Ngawi Regency. This home industry supplies the tofu needs of some Ngawi people and its surroundings and hassurvived to this day. Based on this, the author wants to examine how the business development strategy and what did the Sumber Berkah tofu producerdo in Klitik Village, Geneng District, Ngawi Regency in the face of high raw material prices. The results of this study are that the strategy adopted bySumber Berkah tofu producers in responding to rising soybean prices is to reduce the size of their tofu production, and according to the author, SumberBerkah tofu producers can apply cost leadership strategies and differentiation strategies so that their business can further develop.]]>
<![CDATA[STRATEGI PENGEMBANGAN KEUANGAN SYARIAH DALAM MEWUJUDKAN KEADILAN SOSIAL-EKONOMI ]]>
<![CDATA[Hamdani Hamdani]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 1 No 2 (2022): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v1i2.880
<![CDATA[Poverty and economic injustice are classic problems that have never been resolved, especially after the outbreak of Covid-19. The economic burden of low-income communities really needs government assistance in economic recovery. Social assistance in the form of Direct Cash Assistance (BLT), BIP scholarships and educational operational assistance cannot actually solve this problem. The role of private financial institutions, both Islamic banks and non-Islamic banking institutions, has contributed to national economic growth and reduced the poverty rate, which is 16% of the national figure. Islamic finance is an alternative solution to problems in increasing economic growth and increasing the fairness of economic distribution to low-income people. This study uses descriptive qualitative methods, with the aim of developing strategies for Islamic finance and social justice for the community to provide economic improvements for the community. The location of this research is Baitul Maal wa Tamwil (BMT) Nurul Ummah, Ngasem District, Bojonegoro Regency, East Java. BMT Nurul Ummah Ngasem as an Islamic microfinance institution and the development of Islamic social finance has been proven to empower the community's economy with various achievements. So this research produces the first conclusions about Islamic finance conducted by BMT Nurul Ummah Ngasem Bojonegoro who have carried out education, empowerment and community economic development through savings and financing methods for members of the BMT cooperative and also community assistance programs, secondly, BMT Nurul Ummah has conducted resource training human resources with the BMT Ngasem Institute program engaged in business training, HR clinics and entrepreneurship training. With this program, BMT Nurul Ummah is a role model for BMT that should be emulated]]>
<![CDATA[PENERAPAN MANAJEMEN ZAKAT DALAM MENINGKATKAN PENGUMPULAN ZIS PADA BADAN AMIL ZAKAT NASIONAL (BAZNAS) KABUPATEN GOWA ]]>
<![CDATA[Muthmainnah Sultan]]>;
<![CDATA[Nurfiah Anwar]]>;
<![CDATA[Trisno Wardy Putra]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 2 No 1 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v2i1.832
<![CDATA[The research conducted at BAZNAS Gowa Regency aims to find out how the implementation of the implementation of zakat management in increasing ZIS collection at the National Zakat Agency (BAZNAS) Gowa Regency, the inhibiting and supporting factors for ZIS collection at BAZNAS Gowa Regency and the results of implementing zakat management in increasing fund collection ZIS at BAZNAS Gowa Regency. The type of research used in this study is qualitative using a management approach. Then in research using secondary data and primary data with data collection techniques through observation, interviews, and documentation. The data analysis techniques used are reduction, data presentation, and conclusions/verification. From the results of research that has been carried out at BAZNAS Kab. Gowa. The research results obtained are first, the application of zakat management carried out by BAZNAS in Gowa Regency which consists of Planning, Organizing, Implementation, and Supervision. Second, the inhibiting factors experienced include low public trust in BAZNAS Gowa, human resources managing zakat are less active and creative in using technology, and there is no official BAZNAS office in Gowa Regency. Then the supporting factor in collecting zakat funds at BAZNAS Gowa is UPZ , issuance of a district head circular letter, and cooperation with the ministry of religion. Third, the results of implementing zakat management at BAZNAS Gowa in increasing ZIS collection can be said to be not optimal. This is because there are still some deficiencies in the management of zakat at BAZNAS Gowa]]>
<![CDATA[PENGARUH INSTRUMEN KEBIJAKAN MAKROPRUDENSIAL TERHADAP LIKUIDITAS BANK UMUM SYARIAH ]]>
<![CDATA[Aisiyah Rahma]]>;
<![CDATA[Nurbaiti Nurbaiti]]>;
<![CDATA[Muhammad Syahbudi]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 2 No 1 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v2i1.904
<![CDATA[This research is to determine the effect of macroprudential instruments on the liquidity of Islamic commercial banks. The instruments used were Minimum Statutory Reserves (MSR) and Sharia Macroprudential Liquidity Buffer (MLB Sharia) as instruments that experienced changes in value during the study period. Liquidity is calculated using the Sharia Macroprudential Intermediation Ratio (Sharia MIR) instrument. This research uses a quantitative approach with secondary data sources. The type of data uses panel data with eViews 9 data processing software. The research sample consisted of six Islamic commercial banks in Indonesia, namely Bank Muamalat, BCA Syariah, Bank Victoria Syariah, Bank Panin Dubai Syariah, BJB Syariah, and BTPN Syariah with the 2018-2021 period. The study used panel data regression analysis, namely the random effect model. The results state that the MSR variable has a negative and significant effect on liquidity, the MLB Sharia variable has a positive and significant effect on liquidity and simultaneously the MSR and MLB Sharia variables have a significant effect on Islamic commercial bank liquidity.]]>
<![CDATA[IMPLEMENTASI AKAD MURABAHAH PADA PT AMARTHA MIKRO FINTEK CABANG PRINGKUKU AREA PACITAN ]]>
<![CDATA[Aldo Robby Pradana]]>;
<![CDATA[Ufi Febiana]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 2 No 1 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v2i1.905
<![CDATA[PT Amartha Mikro Fintek or Amartha is a peer-to-peer financial technology company in Indonesia. Amartha is a fintech or P2P financial technology company in Indonesia. The company offers a website that connects urban financiers with rural micro and small business owners. In this financing product, Amartha has a main financing product (group loan) or the first phase of financing that uses a Murabahah contract in its contract. This study uses a descriptive qualitative approach that aims to systematically describe the research focus related to the Murabahah contract. Data analysis aims to simplify the processed data to make it easier to read. Data collection is done through observation, interviews, and documentation. From the results of his research it can be concluded that the implementation of the murabahah contract on the main financing or the first financing cycle is by the contract that is applied, namely the Murabahah contract.]]>
<![CDATA[PENGARUH PERSON ORGANIZATION FIT (PO-FIT) DAN LINGKUNGAN KERJA TERHADAP KINERJA KARYAWAN DENGAN KOMITMEN ORGANISASI SEBAGAI VARIABEL INTERVENING ]]>
<![CDATA[Siti Fatimah]]>;
<![CDATA[Nurbaiti Nurbaiti]]>;
<![CDATA[Rahmat Daim Harahap]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 2 No 1 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v2i1.913
<![CDATA[This study was to determine the effect of Person Organization Fit (PO-Fit) and Work Environment on Employee Performance with Organizational Commitment as an Intervening variable. This study uses a quantitative method with a path analysis approach. Data collection techniques through questionnaires distributed to employees of PT. Bank Sumut Medan Sharia Branch Office Brigjend Katamso with a sample of 33 respondents used a saturated sampling technique. This analysis includes instrument test, classical assumption test, multiple linear regression analysis, hypothesis testing and path analysis with the SPSS version 22 program. The results show (1) Person Organization Fit (POFit) has a significant effect on Employee Performance, (2) Environment Work has a significant effect on Employee Performance, (3) Person Organization Fit (PO-Fit) has a significant effect on Organizational Commitment, (4) Work Environment has a significant effect on Organizational Commitment, (5) Organizational Commitment has no significant effect on Employee Performance, (6) Person Organization Fit (PO-Fit) has no direct effect on Employee Performance through Organizational Commitment as an Intervening variable, (7) Work Environment has no direct effect on Employee Performance through Organizational Commitment as an Intervening variable, (8) Person Organization Fit (PO- Fit), Work Environment and Organizational Commitment simultaneously influence Employee Performance]]>
<![CDATA[PENGARUH BAGI HASIL DAN BONUS (RETURN) TERHADAP DANA PIHAK KETIGA DENGAN BI 7-DAY (REVERSE) REPO RATE SEBAGAI VARIABEL MODERATING ]]>
<![CDATA[Nadya Ulfah]]>;
<![CDATA[M. Ridwan Ridwan]]>;
<![CDATA[Nurul Jannah]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol 2 No 1 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodityjurnalperbankandankeuanganislam.v2i1.917
<![CDATA[The key to the success of a bank in carrying out its functions is the bank that carries out a management in managing funds. Public funds or third party funds kept in banks are the largest sources of funds that banks rely on the most and consist of 3 types, namely demand deposits, deposits and savings. Apart from Third Party Funds (DPK), banking economic growth is influenced by interest rates. Therefore, this study aims to determine the effect of profit sharing and bonuses (return) on third party funds, to determine the effect of the BI 7-Day (Reverse) Repo Rate as a moderating variable, and to determine the effect of profit sharing and bonuses (return) and BI 7-Day (Reverse) Repo Rate as a moderating variable for third party funds at PT. Bank Syariah Indonesia for the 2016-2021 period. The research that the writer uses is a research with a quantitative approach. The data analysis technique used in this study is to use simple linear regression analysis with hypothesis testing, namely the coefficient of determination, T test and F test. Before using simple regression analysis, the classical assumption test is performed first which includes normality test, multicollinearity test, heteroscedasticity test and autocorrelation test. Based on the results of the moderated regression analysis test which shows that profit sharing and bonuses (return) have an effect on third party funds. In addition, the BI 7-Day (Reverse) Repo Rate is also able to moderate profit sharing and bonuses (return) with third party funds. Which means the BI 7-Day (Reverse) Repo Rate strengthens the relationship between profit sharing and bonuses (return) with third party funds.]]>
<![CDATA[IMPLEMENTASI ISLAMIC MARKETING MIX PRODUK TABUNGAN iB HIJRAH PRIMA PADA BANK MUAMALAT KANTOR CABANG PEMBANTU MADIUN ]]>
<![CDATA[Pradana, Aldo Robby]]>;
<![CDATA[Sofianiyatin, Lilik]]>;
<![CDATA[Sulistia Ningsih, Linda]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 2 No. 2 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodity.v2i2.1130
<![CDATA[This research aims to determine the obstacles and efforts in the Islamic Marketing Mix strategy in the Prima Savings product. The research was conducted using descriptive qualitative methods which aim to provide a systematic overview of the research focus which includes Islamic marketing mix strategies and prime savings products. The research subjects consisted of six informants. Data analysis is carried out to simplify data processing, so that readers can interpret and read easily. Data collection was carried out using interview and documentation techniques. Meanwhile, analysis of the data was carried out using the stages of data collection, reduction, presentation and verification. The results of this research show that the implementation of the Islamic Marketing Mix has an influence on the Prima Savings product at the Muamalat KCP Madiun Bank. This can be seen in the number of customers using prime savings products over the last five years. So it can be concluded that the application of the IMM strategy to the Prima Savings product at the Muamalat KCP Madiun bank can improve the product so that it can attract customer interest in opening the Prima Savings product.]]>
<![CDATA[AKAD MUDHARABAH DALAM LEMBAGA KEUANGAN SYARIAH ]]>
<![CDATA[Dhamar, Sya'idun]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 2 No. 2 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodity.v2i2.1175
<![CDATA[The presence of Islamic banks that use a profit sharing system, in realitybetween banks based on sharia and banks with conventional principles aresimilar, only differing in terms of terms, namely conventional banks use an interest system and sharia with profit sharing. The mudharabah contract implemented in Islamic banks has changed and is not like the initial concept in fiqh which was based on justice, but in Sharia banks, in its application, if there is a loss, it will be borne by the borrower. This research will explain in detail the application of mudharabah theoretically and in reality as it actually occurs using a literature review research model. The results of this research are concerns about losses that will be borne by the banking sector as the owner of the funds. Meanwhile, customers are not charged losses if the business they run does not experience a profit.]]>
<![CDATA[TINJAUAN HISTORIS PERKEMBANGAN SISTEM PERBANKAN SYARIAH DI INDONESIA ]]>
<![CDATA[rahayu, eka]]>;
<![CDATA[Prastika, Rima]]>;
<![CDATA[Sanawati, Ciptia Khoirulina]]>
<![CDATA[ Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 2 No. 2 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam ]]>
Publisher : <![CDATA[Fakultas Ekonomi Bisnis Islam ]]>
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DOI: 10.56997/commodity.v2i2.1176
<![CDATA[Sharia banks were developed based on the desire to provide financial transaction services that are in line with moral values and principles of Islamic law amidst the proliferation of conventional banks which are synonymous with usury, maisir and gharar. The initial presence of sharia banking is expected to be the main solution for financial facilities and poverty alleviation without compromising sharia principles. The sharia banking system continues to develop, especially in Indonesia, although it seems to be slower than other countries. The idea of sharia banking began to emerge in 1990 with the implementation of a workshop by the MUI (Indonesian Ulema Council). Subsequently, it was legalized in 1992 with the issuance of Law No. 7 of 1992 which was then deregulated in 1998 with explicit provisions regarding the permissibility of the dual banking system. The full existence of sharia banking was recognized after the passing of Law no. 21 of 2008 concerning sharia banking which specifically regulates institutions and business activities and the codification of banking products. Based on the OJK (Financial Services Authority) report in quantity, sharia banking has increased with the number of banks consisting of 13 BUS, 21 UUS and 166 BPRS. Sharia banking has also experienced a downward trend in its development. This is because the operational system of Islamic banks still adopts the conventional banking system with the characteristics of still prioritizing profit orientation and still referring to interest rates. The development of sharia banks must also be supported by competent and professional HR (human resources), commitment to 100% implementation of sharia principles, and also responsive marketing that is able to grow public trust in sharia banks.]]>
