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Prima Dwi Priyatno
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INDONESIA
Islamic Economics and Business Review (IESBIR)
Published by Universitas Pembangunan Nasional Veteran Jakarta
ISSN : 29649609     EISSN : 29635659     DOI : -
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
This journal encompasses research articles and conceptual papers in the areas: Islamic economics Islamic banking and finance Islamic microfinance Islamic philanthropy (zakat and waqf) Halal economy
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 86 Documents
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Perkembangan Perusahaan Fintech Indonesia: Sebuah Tinjauan Produk, Akad dan Performa pada ALAMI Sharia Muhammad Fuad Adisaputra; M Izdiyan Muttaqien
Islamic Economics and Business Review Vol 2 No 2 (2023): IESBIR, August 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i2.6111

Abstract

Islamic fintech industry provides solutions for SMEs who need funding access besides banks. One of the Islamic fintechs contributing to the economy in Indonesia is PT. Alami Fintek Sharia or commonly known as ALAMI Sharia. This article attempts to describe the products and contracts used by ALAMI Sharia and its financial condition from 2019 to 2021. The method used is descriptive analysis of data obtained from primary and secondary data sources. The research results show that ALAMI has 3 types of products, namely invoice financing, purchase order financing, and community-based financing. In these products, the contracts used are a combination of Wakalah bil Ujroh, Hawalah bil Ujroh, Qardh, Murabahah, and Musyarakah. On the other hand, ALAMI Sharia has shown good performance in 2021 by recording several financial ratios, namely the current ratio of 132%, Net Profit Margin of 5%, ROI of 7%, ROE of 19%, debt to Asset Ratio of 62%, and debt to Equity Ratio of 165%.
Minat Pelaku Usaha Mikro Bidang Makanan dan Minuman di DKI Jakarta Terhadap Program Sertifikasi Halal Gratis Virda Alya Novbira Mya; Tati Handayani
Islamic Economics and Business Review Vol 2 No 2 (2023): IESBIR, August 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i2.6240

Abstract

Abstract After almost a year of being launched by the Ministry of Religion, the realization of the Free Halal Certification (SEHATI) program is still very far from what has been targeted. The number of MSMEs in DKI Jakarta Province, which ranks fourth in Indonesia, has not been matched by the large number of MSEs who have registered for the program. This research aims to find out the interest of SMEs in DKI Jakarta in the SEHATI program. The method used in this research is descriptive qualitative. The object of this study is the interest in halal certification by collecting data through observation, interview, and documentation. The results of this study indicate that there is a fairly high positive interest from MSEs in the food and beverage sector in DKI Jakarta for the Sertifikasi Halal Gratis program. Interest in the SEHATI program is influenced by internal factors in the form of, 1) understanding of regulations, 2) knowledge of the SEHATI program, and 3) mindset of business actors; as well as external factors, namely, 1) halal certification costs, and 2) halal certification procedures. Keywords: DKI Jakarta, halal certification, micro enterprise Abstrak Setelah hampir satu tahun diluncurkan oleh Kemenag, realisasi dari program Sertifikasi Halal Gratis (SEHATI) masih sangat jauh dari yang telah ditargetkan. Jumlah UMKM di Provinsi DKI Jakarta yang menempati urutan keempat terbanyak di Indonesia pun ternyata tidak diimbangi dengan banyaknya jumlah UMK yang mendaftar ke program tersebut. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang memengaruhi minat pelaku usaha mikro di DKI Jakarta terhadap program SEHATI. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif. Objek dari penelitian ini yaitu minat sertifikasi halal dengan pengumpulan data melalui teknik observasi, wawancara, dan dokumentasi. Hasil penelitian ini menunjukkan terdapat minat positif yang cukup tinggi dari pelaku UMK bidang makanan dan minuman di DKI Jakarta terhadap program Sertifikasi Halal Gratis. Minat terhadap program SEHATI tersebut dipengaruhi oleh faktor internal berupa, 1) pemahaman terhadap regulasi, 2) pengetahuan terhadap program SEHATI, dan 3) pola pikir pelaku usaha; serta faktor eksternal, yaitu, 1) biaya sertifikasi halal, dan 2) prosedur sertifikasi halal. Kata kunci: DKI Jakarta, sertifikasi halal, usaha mikro
Pengaruh Dana ZIS dan Inflasi terhadap Tingkat Kemiskinan dengan Mediasi Pertumbuhan Ekonomi Salsa Amanda; Muhammad Anwar Fathoni
Islamic Economics and Business Review Vol 2 No 2 (2023): IESBIR, August 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v2i2.6278

Abstract

The decrease in the poverty rate in Indonesia over the past decade has been no more than 1 percent, which is in the range of 0.1 to 0.8 percent, which shows that poverty alleviation in Indonesia has not been too significant. The purpose of this study is to analyze the influence of ZIS funds and inflation on poverty rates in Indonesia by mediating economic growth. The analysis method used is path analysis as an advanced model of multiple linear regression. The results shows that ZIS funds have a significant direct influence on the poverty rate, while inflation and economic growth do not have a significant direct influence on the poverty rate. Then the ZIS fund variables and inflation do not have a significant direct influence on economic growth. In indirect effect testing, economic growth cannot mediate the effect of ZIS funds and inflation on poverty significantly. Keywords: Poverty; Economic Growth; ZIS; Inflation Penurunan tingkat kemiskinan di Indonesia selama satu dekade ini tidak lebih dari 1 persen yaitu kisaran 0,1 sampai 0,8 persen yang menunjukkan bahwa pengentasan kemiskinan di Indonesia belum terlalu signifikan. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh ZIS dan inflasi terhadap tingkat kemiskinan di Indonesia dengan mediasi pertumbuhan ekonomi. Metode analisis yang digunakan adalah analisis jalur sebagai model lanjutan dari regresi linear berganda. Hasil penelitian menunjukkan bahwa dana ZIS memiliki pengaruh langsung secara signifikan terhadap tingkat kemiskinan, sedangkan inflasi dan pertumbuhan ekonomi tidak memiliki pengaruh langsung secara signifikan terhadap tingkat kemiskinan. Kemudian variabel dana ZIS dan inflasi tidak memiliki pengaruh langsung secara signifikan terhadap pertumbuhan ekonomi. Pada pengujian pengaruh tidak langsung, pertumbuhan ekonomi tidak dapat memediasi pengaruh dana ZIS dan inflasi terhadap kemiskinan secara signifikan. Kata kunci: Kemiskinan; Pertumbuhan Ekonomi; ZIS; Inflasi
Pengaruh Penilaian Tingkat Kesehatan Bank Metode RGEC terhadap Penyaluran Pembiayaan di BTPN Syariah Safira, Shafa; Yetty, Fitri
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

The amount of financing disbursed by banks might vary depending on a number of internal and external factors. Therefore, banks must pay attention to evaluating a bank's soundness in its operational activities as a kind of supervision to ensure that the company's existence continues to run smoothly and that the distribution of finance may be optimally distributed. The assessment of bank health in this study is by POJK No.8/POJK.03/2014 using the risk approach (RGEC) as measured by financial ratios only with NPF (Risk Profile), ROA (Earning), and CAR (Capital) variables. PT BTPN Syariah's annual report for 2014–2021 was used as a research sample. With secondary data collection methods using multiple linear analyses and SPSS software for data analysis. The results of the study show that NPF, ROA, and CAR partially positively have no significant effect but simultaneously have a significant effect on financing disbursement at BTPN Syariah.
Analisis Pengaruh Faktor Internal Dan Eksternal Terhadap Profitabilitas Pt Bank Bca Syariah, Tbk Valzsa, Teuku Zadhe; Rahmi, Mira
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

Profitability as a benchmark in assessing profit becomes very important in checking whether a company has run its business efficiently, a bank uses ROA or Return on Assets as a measure of bank profitability. PT Bank BCA Syariah, Tbk, which is one of the Islamic banks in Indonesia with stable ROA growth, can be used as a benchmark for the growth of Islamic banking in Indonesia. This study aims to determine internal and external factors that can affect the profitability of PT Bank BCA Syariah, Tbk for the period 2012 to 2021. Internal factors use the Financing to Deposit Ratio (FDR), Non Performing Financing (NPF) and Operational costs and operating income (BOPO). Then on external factors using the BI Rate and GDP, using multiple linear regression analysis techniques. Results of this study shows that FDR and BOPO has an effect on ROA, meanwhile NPF, BI Rate and GDP has no effect. This research is expected to be useful for the development of Islamic banks in Indonesia, by knowing the factors that has an effect on profitability of Islamic banks.
Pengaruh Bitcoin, Harga Emas, Dan Harga Minyak Dunia Terhadap Jakarta Islamic Index (JII) Wahab, Umar Sidhi; Fathoni, Muhammad Anwar
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

Selama periode 2018-2022, terjadi penurunan indeks Jakarta Islamic Index (JII). Kondisi tersebut berbanding terbalik dengan peningkatan yang terjadi pada jumlah investor saham syariah. Studi ini dimaksudkan untuk menjelaskan hubungan dari bitcoin, harga emas, dan harga minyak dunia terhadap JII periode Juli 2018 – Juli 2022. Pendekatan kuantitatif dipilih dalam studi ini. Penggunaan data dalam studi ini berjenis data time series berdasarkan harga penutupan bulanan bitcoin, emas, minyak dunia dan JII. Analisis regresi berganda dipilih dalam menganalisis studi ini. Hasil studi ini adalah variabel harga emas berpenharuh signfikan terhadap JII, sementara variabel bitcoin dan harga minyak dunia tidak berpengaruh signifikan terhadap saham JII secara parsial. Adapaun secara simultan, variabel bitcoin, harga emas, dan harga minyak dunia berpengaruh signfikan terhadap JII.
The Economic Policy Of Umar Bin Khattab To Face Ramadhan Crisis zahra, Putri Sholihatuz; Herman, Sebastian
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

Abstract The Economic Crisis is a situation of instability that can affect individuals and even large groups that tend to harm. The threat of crisis did not only occur in the current era but in the Khulafaur Rashidun Era, namely during the time of Umar Bin Khattab, namely the Ramadan Crisis, which was a crisis that occurred in the Hijaz area and its surroundings between 17-18H. At that time Ramadan greatly impacted the economy of Muslims because the population was starving, the land was black, livestock died and prices soared. Even trading activities could not carry out their normal activities. Ramadah occurred because the rains did not fall which caused drought, the occurrence of the bubonic plague which disrupted trading activities and because of rampant adultery and judges who acted tyrannically. Umar bin Khattab radhiallahu anh made many changes to his policies at that time. The research method used in this study is qualitative research, using a historical approach in which the author collects written sources in this research. From the results of this writing, it can be interpreted that economic policy during the caliphate of Umar bin Khattab could not be separated from Umar's intelligence and expertise as a caliph with his ijtihad and deliberations he conducted with friends. It is hoped that this writing can provide references and guidelines for the implementation of governance in managing countries. Keywords: Umar bin Khattab, Ramadan, Economic Crisis, Islam
Inflation And Monetary Policy: Bank Indonesia's Role in Suppressing the Inflation Rate of Islamic Economic Objectives Nugraha, Ahmad Lukman; Janwari, Yadi; Athoillah, Mohamad Anton; Mulyawan, Setia
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

This paper aims to define theories of inflation and photograph the response of Muslim scholars to the phenomenon of inflation itself. This paper aims to capture the role and position of Bank Indonesia (BI) as a monetary policy maker in overcoming the rate of inflation. The author uses descriptive qualitative methods of literature study and philosophical normative approaches. The results of this paper analysis state that Bank Indonesia plays an important role in suppressing the rate of inflation. Bank Indonesia plays a role in establishing and implementing monetary policy, regulating and maintaining a smooth payment system, and regulating and supervising banks. Bank Indonesia conducts open market operations in the rupiah money market, including foreign exchange intervention in order to stabilize the rupiah. BI sets the BI rate as the benchmark interest rate. BI has established a mandatory minimum reserve policy for banks. BI conducts comprehensive analysis and studies in assessing the effectiveness of monetary instruments and monetary policy transmission channels, analyzing and reviewing various information variables, conducting discussions with various parties such as business actors, government agencies, banks, and academics, comprehensively identifying factors that cause inflationary pressures, and formulating monetary policy exposure.
Analisis Faktor-faktor yang Mempengaruhi Non Perfoming Financing pada Bank Umum Syariah di Indonesia Yuliawati, Yuliawati; Lestari, Dwi; Hadyantari, Faizatu Almas
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

Abstract Non Performing Financing (NPF) or problem financing is a situation where there are problems or problems in financing payments by customers such as installment payments that are substandard, doubtful, or even jammed. This study aims to determine the influence of internal factors on NPF at Islamic Commercial Banks in Indonesia in 2015-2020 simultaneously and partially. These internal factors include Operational Spending to Operating Income (BOPO), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Net Interest Margin (NIM). Sampling was carried out using purposive sampling technique and obtained as many as 10 Islamic Commercial Banks. The research method used in this study is the Classical Assumption Test, Multiple Linear Regression Analysis and Hypothesis Testing. The results showed that BOPO, CAR, FDR and NIM had a significant effect on NPF simultaneously. Furthermore, BOPO and FDR have a significant effect on NPF while the CAR and NIM variables do not have a significant effect on NPF partially. Keywords: NPF, BOPO, FDR, NIM, Islamic Commercial Banks Abstrak Non Perfoming Financing (NPF) atau pembiayaan bermasalah adalah situasi dimana terjadi kendala atau permasalahan dalam pembayaran pembiayaan oleh nasabah seperti pembayaran angsuran yang kurang lancar, diragukan, atau bahkan macet. Penelitian ini bertujuan untuk mengetahui pengaruh faktor secara internal terhadap NPF di Bank Umum Syariah di Indonesia pada tahun 2015-2020 secara simultan dan secara parsial. Faktor internal tersebut meliputi Belanja Operasional terhadap Pendapatan Operasional (BOPO), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), dan Net Interest Margin (NIM). Pengambilan sampel dilakukan dengan teknik purposive sampling diperoleh sebnayak 10 Bank Umum Syariah. Metode Penelitian yang digunakan pada penelitian ini ialah Uji Asumsi Klasik, Analisis Regresi Linear Berganda dan Uji Hipotesis. Hasil penelitian menunjukkan bahwa BOPO, CAR, FDR dan NIM berpengaruh signifikan terhadap NPF secara simultan. Selanjutnya, BOPO dan FDR mempunyai pengaruh yang signifikan terhadap NPF sedangkan variabel CAR dan NIM tidak berpengaruh signifikan terhadap NPF secara parsial. Kata kunci: NPF, BOPO, FDR, NIM, Bank Umum Syariah
The Role of Halal Industry in Driving Bilateral Economic Diplomacy Between Indonesia and Turkiye Hidayati, Ratnaningsih
Islamic Economics and Business Review Vol 2 No 1 (2023): IESBIR, April 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

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Abstract

This article investigates how the halal industry can promote economic relations and trade diplomacy between Indonesia and Turkiye. Both countries recognize the benefits of the halal industry in expanding exports, attracting foreign investments, and showcasing their cultural and religious values. The purpose of this paper is to investigate how the halal industry can facilitate economic diplomacy between Indonesia and Turkiye. Study conducted through a qualitative approach by doing literature review on trade statistics, government policies, and business strategies to identify the opportunities and challenges for both countries in utilizing the halal industry. Additionally, it explores potential areas for cooperation in halal certification, halal tourism, and halal food processing. By prioritizing the halal industry through the halal powerhouse, Indonesia and Turkiye can strengthen their bilateral economic cooperation, diversify their exports, and enhance their soft power in the global arena.

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