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JEKSya Jurnal Ekonomi dan Keuangan Syariah
Published by Peduli Riset dan Pengabdian Masyarakat
ISSN : -     EISSN : 29630975     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
JEKSya Jurnal Ekonomi dan Keuangan Syariah adalah jurnal akademik yang diterbitkan tiga kali setahun Mey September Desember oleh Yayasan Perima dan bekerjasama dengan STAI Jam’iyah Mahmudiyah Tanjung Pura, Langkat. JEKSya adalah jurnal akademik peer-review untuk mahasiswa, praktisi, sarjana, dan ilmuwan yang tertarik pada aspek multi konsep, teori, perspektif, paradigma dan metodologi pada bidang ekonomi dan keuangan syariah.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 118 Documents
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Penerapan Prinsip Kehati-hatian Pada Penyaluran Pembiayaan Akad Murabahah di PT. BANK SUMUT Syariah KCP Stabat Suhandre, Suhandre; Diyan Yusri
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

Penelitian ini memfokuskan pembahasan tentang pelaksanaan pembiayaan akad murabahah, penerapan prinsip kehati-hatian dalam penyaluran pembiayaan akad murabahah, serta hambatan dalam menerapakan prinsip kehati-hatian dalam penyaluran pembiayaan akad murabahah yang dihadapi oleh PT. Bank SUMUT Syariah KCP Stabat. Metode penelitian yang digunakan dalam penelitian ini adalah metode penelitian kualitatif yang bersifat deskriptif dengan pendekatan empiris. Subjek pada penelitian ini adalah PT. Bank SUMUT Syariah KCP Stabat. Pada penelitian ini peneliti menggunakan teknik pengumpulan yaitu dengan cara observasi, wawancara, dan dokumentasi. Hasil penelitian menjelaskan bahwa pelaksanaan pembiayaan akad murabahah pada PT. Bank SUMUT Syariah KCP Stabat hampir sama dengan pembiayaan pada umumnya yaitu diawali dengan permohonan, survei dan pencairan. Prosedur penerapan prinsip kehati-hatian dalam penyaluran pembiayaan akad murabahah pada PT. Bank SUMUT Syariah KCP Stabat yaitu seleksi administrasi harus teliti, penerapan prinsip 5C dalam proses analisis pembiayaan (Character, Capacity, Condition of Economy, Capital, Collateral), penerapan prinsip 7P dalam proses analisis pembiayaan (Personality, Party, Purpose, Prospect, Payment, Profitability, Protection), serta ditambah aspek 1S yaitu Syariah. Hambatan-hambatan yang sering terjadi pada Bank PT. Bank SUMUT Syariah KCP Stabat dalam menerapkan prinsip kehati-hatian dalam penyaluran pembiayaan terdiri dari faktor intern yang sering terjadi pada Bank PT. Bank SUMUT Syariah KCP Stabat dan faktor ekstern atau yang berasal dari nasabah.
Analisis Pengelolaan Badan Usaha Milik Desa (BUMDes) Mozaik Desa Pematang Serai Kecamatan Tanjung Pura Kabupaten Langkat Saidatun, Saidatun Zakiyah; Ahmad Fuadi
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

Kemunculan BUMDes ini tentunya juga sangat memerlukan sebuah acuan dalam mengelolanya. Good Corporate Governance merupakan bentuk tata kelola perusahaan yang baik, dimana didalamnya terdapat prinsip-prinsip pengelolaan perusahaan. Penelitian ini harapannya dapat dijadikan sebagai gambaran penerapan GCG pada BUMDes. Kemudian diharapkan BUMDes kedepannya dapat menggunakan sistem atau acuan yang baik dan benar dalam mengelolanya. Penelitian ini menggunakan lima indikator berdasarkan KNKG (Komite Nasional Kebijakan Governance) yang terdiri dari transparansi, akuntabilitas, responsibilitas, independensi, fairness. Peneliti juga mengidentifikasi faktor-faktor penerapan GCG dari internal perusahaan hingga eksternal perusahaan. Hasil penelitian menunjukan bahwa BUMDes Mozaik dalam menerapkan GCG masih diperlukan perbaikkan terutama pada prinsip akuntabilitas dalam jaminan kompetensi dan ukuran kinerja, responsibilitas pada pertanggungjawaban terhadap lingkungan. Faktor pendukung penerapan GCG adalah transparansi informasi publik, sistem audit yang efektif, sistem hukum yang teratur, dukungan sektor publik, dan sistem tata nilai sosial. Sedangkan faktor penghambat penerapan GCG adalah budaya perusahaan, kebijakan dan peraturan, pengendalian resiko, peningkatan SDM, acuan penerapan dan upaya anti korupsi. Berdasarkan pada hasil penelitian tersebut bahwa penerapan GCG pada BUMDes Mozaik belum tercapai dengan baik, karena masih ditemukan  kendala  dan  kekurangan  dalam  pelaksanaan  GGC. Saran penulis terhadap penerapan GCG di BUMDes Mozaik harus lebih ditingkatkan baik dari segi sumber daya manusia, regulasi dan keorganisasian.
Pengaruh pembiayaan murabahah terhadap peningkatan laba pada PT Bank Sumut Syariah KCP Stabat Ayuna, Dara
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

Pembiayaan yang berpotensi menghasilkan keuntungan dan tidak menghasilkan keuntungan akan berpengaruh terhadap tingkat laba bersih yang diperoleh bank. Penelitian ini bertujuan untuk mengetahui pengaruh pembiayaan murabahah terhadap laba PT. Bank SUMUT Syariah Cabang Stabat. Jenis penelitian yang dilakukan adalah penelitian kuantitatif. Sumber data penelitian ini diperoleh dari laporan keuangan PT. Bank SUMUT Syariah Cabang Stabat. Pengolahan dan pada penelitian ini menggunakan program komputer SPSS dan Microsoft Office Excel. Analisis data pada penelitian ini menggunakan statistik deskriptif, uji asumsi klasik, uji hipotesis, dan analisis regresi linear sederhana. Berdasarkan pengujian tersebut menjelaskan bahwa pembiayaan murabahah dan laba PT. Bank SUMUT Syariah Cabang Stabat pada periode penelitian yakni tahun 2019-2021 mengalami fluktuasi turun dan naik setiap bulannya, namun secara umum pembiayaan murabahah dan laba PT. Bank SUMUT Syariah Cabang Stabat lebih dominan mengalami kenaikan setiap bulannya dari tahun ke tahun. Secara parsial pembiayaan murabahah berpengaruh signifikan terhadap laba pada PT. Bank SUMUT Syariah Cabang Stabat, pembiayaan murabahah mempengaruhi laba PT. Bank SUMUT Syariah Cabang Stabat sebesar 53%. Kata Kunci : Pembiayaan Murabahah, Laba
Pengaruh Faktor Kompensasi Terhadap Kinerja Karyawan Pada PT. Bank Syariah Indonesia Kcp Pangkalan Berandan DIan, Dian Sabrina; Muhammad Saleh
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

This study aims to determine the effect of compensation on the performance of employees of PT. Bank Syariah Indonesia KCP Pangkalan Berandan. The research method used is quantitative research using a simple linear regression method. The sample in this study amounted to 40 respondents using the census method. Data collection used a questionnaire and data processing used the SPSS Statistics Version 24.0 analysis tool. The results showed that compensation has an influence on the performance of employees at PT. Bank Syariah Indonesia KCP Pangkalan Berandan is 12%, while the rest is influenced by other factors outside the variables studied. The results of the study show that compensation is one of the driving factors that can improve employee performance based on the compensation provided by the company to its employees. Compensation is an award or reward for services provided by the company to employees for their contribution to the company. This supports the theory put forward by Handoko (2003) which means that compensation is something that is received by employees as remuneration for their work, so with the provision of compensation it can increase work performance, motivation and job satisfaction and increase employee needs. Compensation is not only important because it is the main motivation for someone to become an employee, but also has a big influence on employee morale and enthusiasm
Analisis Penerapan Akad Mudharabah Mutlaqah Pada Tabungan Mabrur Untuk Biaya Perjalanan Ibadah Haji (Studi Pada Bank Syariah Indonesia KCP Stabat) Soffi, Soffi Ramadhana
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

The formulation of the problem in this study is how to apply the mudharabah mutlaqah contract to mabrur savings for the cost of the pilgrimage at Bank Syariah Indonesia KCP Stabat, how is the flow of account opening to closing mabrur savings accounts at Bank Syariah Indonesia KCP Stabat. This study aims to describe the results of the formulation of the problem mentioned above. This study uses a field research method with a qualitative method that emphasizes the aspect of in-depth understanding of a problem. Sources of data in this study came from primary data and secondary data obtained from observations, interviews and documentation. The results of the research conducted by the author, the authors formulate conclusions regarding the application of the mudharabah mutlaqah contract on mabrur savings Bank Syariah Indonesia KCP Stabat has carried out in accordance with Islamic law, it's just that there is a lack of socialization or explanation to customers who still do not understand about the existence of a mudharabah mutlaqah contract. in mabrur savings or even the existence of a ratio in the mudharabah muthlaqah contract that the customer does not know about.. In addition, the process of opening and closing BSI accounts has been very helpful, making it very easy for customers to realize their wish to get a Hajj portion number and continue to the ground holy.
Analisis Penerapan Prinsip Collateral Dalam Pembiayaan Mudharabah Pada Bank Syariah Indonesia Kantor Cabang Stabat Riana, Riana
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

Collaterals should get attention that collateral does not cause bad financing to become good financing. In conventional banks, collateral for loans from borrowers is very decisive in the approval of lending. On the other hand, in Islamic banking the method is very different. Because by providing loans in the form of bailouts for the purchase of these goods/assets/capital goods, the operation of Islamic banks basically does not prioritize guarantees from borrowers. The method used in this research is descriptive qualitative, and data collection techniques in this study using observation, and interviews. This study concludes that guarantees in financing using mudharabah financing contracts according to the agreement of classical scholars are prohibited and cause the contract to be invalid because it is contrary to the principle of trust that underlies this contract. However, according to some contemporary scholars and based on current application in sharia banking, guarantees in mudharabah financing are allowed but are not intended to ensure the return of capital, but rather to ensure that the performance of the mudarib is in accordance with the terms of the contract and to prevent moral hazard from occurring. in the form of irregularities by the fund manager. Therefore, the guarantee can only be disbursed if the fund manager is proven to have committed a violation (ta‟addi), negligence (taqshir), or violated a predetermined agreement (mukhalafatu al-syurut).
Implementasi Akad Mudharabah Muqayyadah Off Balance Sheet Pada Bank Syariah Indonesia KCP Stabat Augia, Augia Sukma Humaira Amri; Azhar
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

One of the Islamic operational principles applied in raising public funds is the mudharabah muqayyadah principle. Mudharabah as a collaboration, but the recording of transactions is done in Off Balance Sheet because the bank does not record it in the Bank's balance sheet, but only records it in the administrative account. Called mudharabah because of the profit sharing scheme, muqayyadah because there are restrictions. This study draws several problems including: how is the implementation of off balance sheet mudharabah muqayyadah contracts at Bank Syariah Indonesia KCP Stabat, how is the risk of financing to customer failure to repay their obligations and the level of health that supports the implementation of off balance sheet mudharabah muqayyadah contracts at Bank Syariah Indonesia KCP Stabat. This research is a field research (field research). The data of this research were obtained from Bank Syariah Indonesia KCP Stabat which became the object of research. Data collection techniques were carried out by observing, interviewing, and enriching with library data. Studying, understanding books, journals, and scholarly writings related to the object of research, the sample was taken as many as 4 people consisting of 4 employees at the bank. Based on the results of the study, that the implementation of off balance sheet mudharabah muqayyadah contracts at Bank Syariah Indonesia KCP Stabat was caused by a lack of funds to open a desired business. By fulfilling the conditions set by Bank Syariah Indonesia KCP Stabat, the bank will first consider whether or not the customer has to borrow the funds. Risk is a threat or action that has an impact on financing.
Implementasi Incentive Compatible Constraints Dalam Pembiayaan Mudharabah: (Studi Pada PT. Bank Syariah Indonesia KCP Stabat) robi, Robi Naldi Sipahutar
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

The mudharabah contract run by Islamic banks is a contract that contains a large opportunity for imperfect information to occur, this is what creates a conflict of interest between the two parties between the shahibul maal and the agent (mudharib), which is called the agency problem. To reduce the possibility of these risks occurring, the Bank can minimize it by setting a number of certain limits when distributing mudharabah financing to mudharib. The purpose of this study was to determine the implementation of ICC at PT. Bank Syariah Indonesia KCP Stabat and ICC viewed from the perspective of Islamic economics. This research is a field research with qualitative methods, primary and secondary data obtained from observations, interviews, and documentation. Respondents who were used as samples in this study were employees of PT. Bank Syariah Indonesia KCP Stabat in the Small Medium Enterprise (SME) division, totaling 3 people. The process of data analysis in this study used descriptive analysis. The results of the study with the implementation of ICC PT. Bank Syariah Indonesia KCP Stabat can minimize the risk caused by asymmetric information. This is evident from the 12 customers of the mudharabah linkage program financing in 2021-2022, who only performed asymmetric information for 1 customer. While in the perspective of Islamic economics the application of ICC is allowed. Because Islam recommends being selective and knowing precisely in choosing someone we will partner with in order to avoid mistakes that can cause losses. Both material and non-material losses. So that the Islamic economic principles of balance and benefit can be achieved.
Analisis Penerapan Syariah Compliance Terhadap Kepuasan Nasabah Studi Pada Bank Syariah Indonesia Kantor Cabang Stabat Nurhaliza, Nurhaliza
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

One of the important pillars in the development of Islamic financial institutions is sharia compliance. This pillar is the main difference between Islamic financial institutions and conventional financial institutions. This situation makes people want to know more about sharia compliance in Islamic banks. The objectives to be achieved in this research are to find out how the implementation of sharia compliance at Bank Syariah Indonesia KCP Stabat and to find out how customer satisfaction with sharia compliance at Bank Syariah Indonesia KCP Stabat. This study uses a qualitative descriptive research method. Data and information obtained by the author using the method of observation, interviews, and distributing questionnaires. The research population is all customers of Bank Syariah Indonesia KCP Stabat totaling 100 respondents. The results showed that to ensure the application of sharia compliance at Bank Syariah Indonesia KCP Stabat, the Bank held a reading discuss, comparative discussion between managerial, marketing and operational employees to avoid fraud, and the application of sharia compliance to the level of customer satisfaction at Bank Syariah Indonesia KCP Stabat. already in a satisfied position. This can be seen through the continuum line, the score obtained is 2,195 with a percentage score of 71.16% of the expected score of 2,520. The satisfied category means that Bank Syariah Indonesia KCP Stabat has implemented sharia compliance well.
Pengaruh Saham Syariah Terhadap Pertumbuhan Ekonomi Nasional Tahun 2011-2021 Rio, Rio Ramadhan Putra
Jurnal Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2022): Vol 1 No 2 Desember 2022
Publisher : Peduli Riset dan Pengabdian Masyarakat

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Abstract

The focus of this research is to determine the effect of Islamic stocks on economic growth in Indonesia. In this study, Islamic stocks are focused on the Indonesian Sharia Stock Index (ISSI) and national economic growth is measured by Gross Domestic Product (GDP) income. This type of research is quantitative research that emphasizes numerical data (numbers) processed using inferential statistical methods (analyzing the relationship between variables by testing hypotheses). The data sources for this research are divided into two, inflation data obtained from the official website of the Central Bureau of Statistics and Bank Indonesia. Data processing in this study used the SPSS computer program and Microsoft Office Excel. Data analysis in this study used descriptive statistics, classical assumption tests, hypothesis testing, and simple linear regression analysis. The results of the study explain that there is a significant influence between Islamic stocks on national economic growth for the 2012-2021 period. Sharia stocks affect national economic growth by 87.1%. there is a positive or in-line relationship between Islamic stocks and national economic growth, the greater the value of Islamic stocks in the Islamic Capital Market, the higher the national economic growth in Indonesia. Vice versa, if sharia stocks decrease, national economic growth in Indonesia will also decrease.

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