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Aldo Robby Pradana
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commodity@iaingawi.ac.id
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INDONESIA
Commodity : Jurnal Perbankan dan Keuangan Islam
Published by Institut Agama Islam Ngawi
ISSN : -     EISSN : 29638569     DOI : https://doi.org/10.56997/commodity
Core Subject : Economy, Education, Social,
Economics, Econometrics & Finance Mathematics Social Sciences Other
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
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 35 Documents
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PENGARUH DANA PIHAK KETIGA, SPREAD BAGI HASIL, TINGKAT BAGI HASIL DAN NON PERFORMING FINANCING TERHADAP VOLUME PEMBIAYAAN BERBASIS BAGI HASIL ( STUDI KASUS BANK UMUM SYARIAH PERIODE 2017-2019 ) alimaini, meriani; Dalimunte, Ahmad Amin; Nasution, Juliana
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 2 No. 2 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v2i2.1180

Abstract

This research is intended to determine and analyze the influence of Third Party Funds (DPK), Profit Sharing Spread (SBH), Profit Sharing Level (TBH), and Non Performing Financing (NPF) on the Volume of Profit Sharing Based Financing (PBH) of Sharia Commercial Banks. This research takes thebackground that the movements of PBH, DPK, SBH, TBH and NPF experience fluctuating movements from year to year. This research is quantitative in nature with secondary data sources, namely the quarterly financial balance reports of Sharia Commercial Banks starting in 2017-2019. Using multiple linear regression test as an analysis tool using SPSS 15.0. The conclusions in this study show that firstly, simultaneously, namely DPK, SBH, TBH and NPF have a significant effect on PBH. Second, separately or partially, DPK has a significant effect on PBH of Sharia Commercial Banks with a calculated t value of 22.040. Third, SBH has a significant effect on PBH with a calculated t value of 3.534. fourth, TBH has no effect on PBH at Sharia Commercial Banks with a calculated t value of -0.220. Fifth, NPF has no effect on PBH of Sharia Commercial Banks with a calculated t value of -0.1567
PENERAPAN TABUNGAN IB HIJRAH RENCANA SEBAGAI ALTERNATIF PELUNASAN BIAYA HAJI PADA PT. BANK MUAMALAT INDONESIA, KANTOR CABANG PEMBANTU MADIUN Sofianiyatin, Lilik; Pradana, Aldo Robby
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 1 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i1.1413

Abstract

The researcher focused the research on: Procedures for opening the iB Hijrah Plan Savings and Implementation of the iB Hijrah Plan Savings as an alternative for paying off Hajj expenses at PT. Bank Muamalat Indonesia, Sub-Branch Office. Madiun This research uses qualitative data analysis methods. Where all data obtained through observation and interviews will be collected first, then an analysis process will be carried out and then interpretation will be carried out. The procedure is that the customer comes to the Bank Muamalat office and conveys his goal of opening a savings plan, then after Customer Service validates the customer makes an initial deposit and receives a savings book along with an ATM. The application of iB Hijrah Hajj Savings as an alternative to paying off Hajj expenses means that every month the customer uses an auto-debit system from the main account to the planned savings account. After the funds have been collected, the prospective Hajj pilgrims can pay off the Hajj expenses and if there is still a remaining balance, the customer must take it from the savings account. the plan will close automatically when it is due.
PEMIKIRAN ABU YUSUF DAN RELEVANSINYA DENGAN STRATEGI PEMULIHAN EKONOMI INDONESIA PASCA-PANDEMI Anisa, Lina Nur
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 2 No. 2 (2023): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v2i2.1417

Abstract

This article aims to discuss Abu Yusuf's thoughts and their relevance to Indonesia's post-pandemic economic recovery strategy. This article research uses a qualitative approach with the type of library research. The data collection technique used is documentation, with data analysis techniques in the form of content analysis, induction and deduction. The conclusion from the discussion of this article is as follows. Abu Yusuf's thinking, which emphasizes economic justice, the active role of the state, and fair management and redistribution of wealth, is very relevant to the modern economic context, especially in Indonesia, especially in facing economic challenges exacerbated by the COVID-19 pandemic. The study of how these principles can be integrated into contemporary economic systems provides important insights for the development of a more inclusive and sustainable economy. Policymakers should consider a more systematic and coordinated integration of zakat to support social programs and economic development, especially in supporting community groups most affected by the pandemic. It is necessary to implement a fairer and more proportional taxation system, based on the principles of economic justice taught by Abu Yusuf, to ensure a more equal and effective distribution of the tax burden. The state must take a more active role in regulating and supporting critical economic sectors, ensuring that the economic policies implemented can stimulate growth while preventing wider inequality.
INTEGRASI NILAI EKONOMI ISLAM UMER CHAPRA DALAM KEBIJAKAN PEREKONOMIAN INDONESIA Anisa, Lina Nur
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 1 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i1.1425

Abstract

The integration of Umer Chapra's Islamic economic values into Indonesia's economic policies presents a compelling vision for achieving economic justice, social welfare, and equitable wealth distribution. The aim of this research is to elucidate the main concepts within Chapra's economic thought and analyze the opportunities and challenges associated with integrating these values into Indonesia's economic policies. The research employs a qualitative approach, utilizing literature review and policy analysis. This study involves reviewing books, journal articles, policy documents, and official reports relevant to Islamic economics and Indonesian economic policies. The findings indicate that implementing Chapra's principles through fiscal and monetary policies can significantly enhance economic stability and growth. Successful examples include the use of zakat in Malaysia as a fiscal policy tool for poverty alleviation and the adoption of Shariah-compliant financial products in Saudi Arabia, contributing to economic diversification. Additionally, Islamic values-based economic empowerment programs in Indonesia, such as those implemented by BAZNAS and Dompet Dhuafa, show significant improvements in community welfare, including poverty reduction, increased income levels, and better access to education and healthcare. However, the research also identifies challenges such as efficient and transparent management of zakat funds, increasing public awareness, and expanding the reach of programs to remote areas. Integrating Umer Chapra's Islamic economic values into Indonesia's economic policies can create a more just, inclusive, and sustainable economic system. This research recommends that the government and policymakers strengthen regulatory frameworks, enhance public education, develop innovative financial products, and ensure transparency and accountability in program implementation.
SINERGI BANK SYARIAH DAN UMKM DALAM MENINGKATKAN PEREKONOMIAN MELALUI PEMBIAYAAN Kasmiati, Kasmiati
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 1 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i1.1587

Abstract

Sharia banks and UMKM have been known as one of the businesses that are an important sector in the Indonesian economy. This is reflected in its resilience in facing economic turmoil in the monetary crisis that Indonesia experienced in 1998.. Therefore, this article aims to analyze the synergy of Sharia Banks and UMKM in improving the country's economy through channeled financing. This research is a type of exploratory qualitative research. Meanwhile, conclusions are drawn inductively, where data and facts obtained from the field become the reference source. Secondary data is the main data in research collected through documentation from annual financial reports officially published by the Financial Services Authority. The results of this research show that Islamic banks play a role in encouraging UMKM to improve community welfare. This can be seen from statistical data which shows that in four consecutive years, Islamic banks have distributed funds to UMKM in the form of financing amounting to 20-23% of the total financing distributed. Of these funds, 49-62% is intended for working capital needs, while the rest is designed for investment needs to support UMKM productivity in the range of 38-51%.
IMPLEMENTASI AYAT-AYAT TENTANG PINJAMAN DALAM PERSPEKTIF EKONOMI ISLAM Pradana, Aldo Robby
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 1 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i1.1594

Abstract

Loans are one of the human needs from ancient times to the present. There are many reasons why someone borrows something, especially property. Loans or qard are the most basic concept of loans according to Islamic law where no profit may be taken from this lending transaction. This study uses a qualitative literature method that emphasizes sources from books, articles, or other notes. This study emphasizes a comprehensive explanation of the concept of a loan or qard agreement along with the conditions that must be met. The owner of the funds is not allowed for any reason to ask for additional assets lent to others. However, the party being lent may provide additional loans sincerely if there is no coercion from other parties, including the lender.
INTEGRASI KEUANGAN MIKRO ISLAMIC UNTUK KESEJAHTERAAN MASYARAKAT Hamdani, Hamdani
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 1 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i1.1832

Abstract

The study of the integration of Islamic microfinance in improving community welfare aims to investigate the role of Baitul Maal Wattamwil (BMT) finance in contributing to the economic progress of the community, especially for Al-Quran teachers. BMT has two functions, namely financing the economy and distributing zakat and infaq funds. In fact, the existence of BMT is in great demand by the community, especially among Al-Quran teachers, mosque activists and Islamic study groups. The reason is, BMT provides convenience in financing the family economy, while for Al-Quran educational institutions, they still receive social assistance through Islamic social finance, infaq and alms
STRATEGI MENGATASI PEMBIAYAAN MURABAHAH BERMASALAH PADA PT.BPRS KABUPATEN NGAWI (PERSERODA) KANTOR KAS GENENG Dwi Wahyuni, Melli
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 2 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i2.1642

Abstract

Financing is funding provided by one party to another to protect a previously agreed investment. Providing clients with access to capital for investment purposes in accordance with Islamic sharia law is what Islamic financial institutions refer to as financing. In the Islamic financial system, a purchase and sale transaction known as murabahah is one way to finance a project. Although the profit-sharing system is the main selling point of Islamic banking, the term "Islamic bank with profit-sharing bank" is controversial because the majority of Islamic banking funding comes from murabahah and not mudharabah. One of the main instruments in Islamic banking, murabahah financing, poses serious risks to liquidity and credit. This study uses qualitative research methods, especially field research. Interviews and documentation methods are part of the data collection process. The results of this study indicate a number of problems with murabahah financing, such as lack of supervision, fluctuations in debtors' ability to pay, and other economic factors. A more proactive approach to economic monitoring, more effective internal and external supervision, and a program to restructure financing sustainably are components of this plan. By implementing this plan, PT. BPRS Ngawi Regency will be able to manage murabahah financing better and reduce the possibility of financing problems arising in the future.
ANALISIS PERFORMA POSPAY DALAM MENINGKATKAN VOLUME TRANSAKSI DI KANTOR POS CABANG NGAWI Fauziah , Ahmimurotul; Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 3 No. 2 (2024): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v3i2.1648

Abstract

This study aims to analyze the position of Pospay in increasing transaction volume at the Ngawi Branch Post Office through a SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis approach. Data were collected through interviews and analysis of related documents. The results of the study identified several strengths, such as ease of use and accessibility, which contributed to the increase in transactions. However, weaknesses such as lack of socialization and public understanding were also revealed. Existing opportunities, such as increasing public interest in digital transactions, show potential for growth. On the other hand, threats from competitors and challenges in technological infrastructure are factors that need to be considered. Recommendations from this study include increasing user education and more effective promotions to maximize the potential of Pospay in Ngawi. The results of this study are expected to provide guidance for Post Office managers in optimizing digital services.
DAMPAK EKONOMI DIGITAL DALAM MENINGKATKAN EFISIENSI LAYANAN POS MELALUI APLIKASI POS AJA DI KANTOR POS CABANG NGAWI Melati, Septiyan Tri; Anifah, Siti
Commodity : Jurnal Perbankan dan Keuangan Islam Vol. 4 No. 1 (2025): Commodity : Jurnal Perbankan dan Keuangan Islam
Publisher : Fakultas Ekonomi Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/commodity.v4i1.1654

Abstract

ABSTRACT The development of digital technology has brought significant changes to various sectors of the economy, including courier services. In the context of the digital economy, the adoption of technology enhances operational efficiency, reduces costs, and improves service quality. PT Pos Indonesia has responded by launching the Pos Aja application, which facilitates users in accessing parcel delivery services online. This application allows users to order, track packages, obtain rate information, and make payments easily. The main benefits of the Pos Aja application include ease of access, reduced waiting times, and cost efficiency. This research explores the efficiency of the Pos Aja application compared to conventional methods, addressing questions regarding productivity, time flexibility, and challenges in digitalization. The novelty of this research lies in its focus on the Ngawi Post Office branch, which faces unique digital infrastructure challenges. This study provides new insights into the implementation of the Pos Aja application and offers recommendations for PT Pos Indonesia to enhance the effectiveness of digitalization. It is also expected to provide guidance for policymakers on the importance of digital infrastructure in the transformation of public services. Keywords: Digital Economy, Pos Aja Application, Digital Services, Service Efficiency

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