Islamic Banking & Economic Law Studies
I-BEST: Islamic Banking & Economic Law Studies is an open access peer-reviewed online journal that provides a forum for sharing scientific studies on Islamic Banking and Economic Law Studies. Editors welcome articles and research reports that address current issues such as: sharia economics, sharia business, sharia banking, sharia economic law, sharia business law, sharia banking law and sharia management. I-BEST, with registered number ISSN 2961-7057 (On line)
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<![CDATA[PENGARUH CAWE-CAWE PRESIDEN TERHADAP NETRALITAS POLRI DI PILPRES TAHUN 2024 ]]>
<![CDATA[Marasabessy, Fachrul]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i1.484
<![CDATA[Pemilihan Presiden merupakan proses politik yang penting dalam suatu negara demokratis. Netralitas Polri dalam proses pemilu sangatlah penting untuk menjaga integritas dan keadilan dalam pelaksanaannya. Namun, adanya praktik "cawe-cawe" atau dukungan terbuka dari Presiden terhadap kandidat presiden tertentu dapat mengancam netralitas lembaga-lembaga yang berada dibawah lembaga kepresidenan termasuk institusi kepolisian. Penelitian ini bertujuan untuk menganalisis pengaruh cawe-cawe Presiden terhadap netralitas Polri dalam Pemilu Presiden tahun 2024. Metode penelitian yang digunakan adalah metode deskriptif dengan pendekatan analisis kualitatif. Hasil penelitian menunjukkan bahwa praktik cawe-cawe oleh Presiden terhadap institusi Polri dapat membahayakan netralitas lembaga kepolisian dan mengganggu proses pemilu yang adil dan demokratis. Netralitas Polri dalam pemilu merupakan prinsip yang diatur dalam hukum dan peraturan yang berlaku. Anggota Polri diharapkan untuk tidak memihak atau mendukung secara terbuka calon Presiden tertentu. Praktik cawe-cawe Presiden dapat mempengaruhi kinerja dan penilaian objektif mereka dalam menjalankan tugas kepolisian selama pemilu. Hal ini dapat mempengaruhi perlakuan terhadap calon Presiden dan pendukungnya, serta mempengaruhi efektivitas penegakan hukum secara keseluruha. Diperlukan upaya yang tegas dalam mengatasi praktik cawe-cawe yang dilakukan oleh Presiden terhadap institusi Polri. Hal ini dapat dilakukan melalui pemberian pemahaman yang baik kepada anggota Polri tentang pentingnya netralitas dan independensi lembaga kepolisian serta penerapan sanksi yang tegas terhadap pelanggaran netralitas. Selain itu, upaya koordinasi dan komunikasi yang baik antara lembaga Polri dan Komisi Pemilihan Umum (KPU) juga penting untuk menghindari adanya konflik kepentingan dan memastikan proses pemilu yang adil dan bebas dari intervensi politik.]]>
<![CDATA[PENGARUH PENERIMAAN TEKNOLOGI DENGAN METODE UTAUT TERHADAP MINAT MENGGUNAKAN MOBILE BANKING DI BSI TANGERANG ]]>
<![CDATA[Alim, Muhammad Nurul]]>;
<![CDATA[Hidayat, Wahyu]]>;
<![CDATA[Amalia, Risqi]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i1.489
<![CDATA[The purpose of this study is to determine the effect of UTAUT factors, namely Performance Expectations, Effort Expectations, Social Influence and Facilitating Conditions partially and simultaneously on customer interest in using BSI mobile banking services in Tangerang. With four independent variables, namely: Performance Expectations (X1), Business Expectations (X2), Social Influence (X3), and Facilitating Conditions and the dependent variable is Interest (Y). The population in this study were Bank Syariah Indonesia customers with a sample size of 110 respondents. This study applies quantitative research methods. The analysis used in this study is the measurement model test (outer model) and the structural model test (inner model). This study uses the SmartPLS 3.0 program to process data.The results of this study indicate that the Performance Expectation variable (X1) has a positive and significant effect on the variable customer interest in using mbanking services with a significance level of 0.000 <0.05. The Effort Expectation variable (X2) has a negative and insignificant effect on interest in using mbanking services with a significance level of 0.557>0.05. The Social Influence variable has a positive and significant effect on interest in using mbanking services with a significance level of 0.000 <0.05. Facilitating Conditions have a positive and insignificant effect on customer interest in using mbanking services with a significance level of 0.315>0.05 then simultaneously together the independent variables simultaneously affect the dependent variable interest in using mbanking services.This research is expected to be useful for further research that wants to develop further research knowledge, banking and academic parties.]]>
<![CDATA[DEFAULT MORTGAGE CUSTOMERS THROUGH BANK KPR WITH BUYBACK GUARANTEE DEVELOPER FACILITY IN ISLAMIC ECONOMICS PERSPECTIVE ]]>
<![CDATA[Suryadi, Djaka]]>;
<![CDATA[Alim, Muhammad Nurul]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i1.497
<![CDATA[This research aims to determine the buyback guarantee regulatory system and the buyback guarantee working mechanism until the bank makes a buyback guarantee claim to the developer. This research also aims to review buyback guarantee from Islamic perspective. The research method used is qualitative research using closed interviews and observation methods. Based on the research results, the developer has the criteria for potential partners to be able to work together and make agreement rules for both parties and the risks that will be experienced by the Customer, Bank, and Developer. The developer can make an effort before the bank makes a buyback guarantee claim to remind the customer that payment obligations at the bank are in arrears. In Islamic sharia perspective, the buyback guarantee is permitted provided that it is an option, not an obligation. The buyer may sell either to the first seller or another person. This provision is to avoid the prohibited bai’ al-'inah, which leads to prohibited riba transaction. Other Islamic solutions are debt restructuring (rescheduling) and postponement of the debt payment.The research is expected to give Islamic solution before buyback guarantee is executed]]>
<![CDATA[PENGARUH MEREK, KOMUNIKASI PEMASARAN DAN HARGA TERHADAP LOYALITAS DENGAN MINAT BELI ULANG SEBAGAI VARIABEL INTERVENING PADA PELANGGAN BRANCHLESS BANKING BTN KC KELAPA GADING SQUARE JAKARTA UTARA ]]>
<![CDATA[Junaedi, Edy]]>;
<![CDATA[Supriyadi, Supriyadi]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i1.503
<![CDATA[The banking industry experiences difficulties in providing services to people who are far from banks, because it requires high cost. Bank BTN encourages the development of bank services without offices with Telkom through branchless banking or the agent laku pandai. To analize agent performance, research was carried out from the aspects of brand, marketing communication and price on customer loyalty through customer repurchase interest in transacting at laku pandai agents. Samples were taken as many as 105 respondents of customers. The data obtained were then processed using Smart PLS version 3 and analyzed using multiple linear regression analysis. This analysis includes reliability test, validity test, hypothesis testing through Ttest and Ftest as well as coefficient of determination (R2). Test results show based on bootstrapping, the P value 0.005 of brand partially have a positive and significant effect on repurchase intention and the P value 0.086 for brand partially does not have significant effect on loyalty. The P value 0.96 for marketing communication partially does not have significant effect on loyalty and likewise the p value 0.52 for marketing communication on repurchase intention. The P value for price on loyalty is 0.97, so the price has no significant effect, but the p value for price on repurchase intention is 0.00, so price on repurchase intention has a significant effect and the p value for repurchase intention on loyalty is 0.00, meaning it has a significant effect.]]>
<![CDATA[MENELUSURI KAIDAH HUKUM MAKANAN HALAL DALAM PERSPEKTIF AL QUR’AN SURAT AL MAIDAH AYAT 4 ]]>
<![CDATA[Ilmiah, Novi Bahrotul]]>;
<![CDATA[Humaidah, Lusiana Nur]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 1 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i1.528
<![CDATA[Surah Al-Maidah Verse 4 in the Al-Quran talks about the rules of halal food from a religious perspective This verse states that food that is good and according to taste is permitted to be eaten, as long as there are no religious guidelines that prohibit it. In this study, the author discusses the concept of halal food from the perspective of Al Maidah verse 4. The author conducted research using the library research method by combining appropriate verses. In this research, the author tries to explain the meaning of halal with verse 4 of the Qur'an surah al Maidah]]>
<![CDATA[KEDUDUKAN OBJEK AKAD SEBAGAI AKIBAT HUKUM PERJANJIAN (KAJIAN REFLEKTIF DALAM FIKIH MUAMALAH) ]]>
<![CDATA[Nilam Sari, Devi]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 2 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i2.650
<![CDATA[This article explores the legal implications of the object within various agreements in the context of fiqh muamalah. As muamalah activities grow increasingly complex, it becomes crucial to regularly assess the validity of these agreements and the legal consequences that arise from them. This research adopts a normative approach to Islamic law, utilizing secondary data gathered through library research and employs a descriptive analytical method. In evaluating the position of the contract object and its legal consequences, it is essential to first interpret the scope of the agreed terms. This involves determining the extent to which the contract is binding, and whether the terms of the contract have been fulfilled as agreed. The consequences stemming from the object are also examined through the concept of Aman al-aqd, which addresses the responsibilities arising from a failure to execute the contract. This exploration provides a deeper insight into the legal mechanisms that govern the binding nature of agreements in Islamic law.]]>
<![CDATA[PREDATORY PRICING, PRICE PENETRATION AND MARKET DISTORTION ACCORDING TO ISLAMIC ECONOMICS ]]>
<![CDATA[Maulana, Irwan]]>;
<![CDATA[Shima, Putri]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 2 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i2.684
<![CDATA[In the short term, predatory pricing is very beneficial to consumers, but after removing competitors from the market and hindering potential new competitors, the dominant business actors or incumbent business actors hope to increase prices significantly. In marketing campaigns, pricing has an important role, with unfair pricing causing distortions in the global market. So that the sharia maqasyid is not achieved optimally as ordered by the Qur'an. Based on the discussion above, several conclusions can be made. Predatory pricing is considered an unfair trade practice, although there are some countries that do not prohibit it, this gives rise to various other conflicts such as price penetration and market distortion. The solution must be adjusted to the origin of the cause. If the cause is a change in genuine demand and genuine supply, then the control stage is carried out through market intervention. Meanwhile, when caused by distortion of genuine demand and genuine supply, the control mechanism is carried out through distortion removal, including the determination of price intervention to return the price to the state before the distortion.]]>
<![CDATA[PERAN PENDIDIKAN ISLAM TERHADAP PETUMBUHAN EKONOMI ]]>
<![CDATA[Zubairi, Zubairi]]>;
<![CDATA[Musthofa, Musthofa]]>;
<![CDATA[Nur Khofifah, Siti]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 2 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i2.689
<![CDATA[The influence of the quality of Islamic education in Indonesia also influences the development of economic growth. Therefore, the importance of economics for the development of Islamic education in Indonesia is by increasing learning productivity so that the nation's future generations who are still studying can better understand the science of Islamic education and can improve it for the advancement of Islamic education in Indonesia. With economic needs increasing day by day, it is the Islamic education factor that will help economic growth, because with Islamic education it will produce more professional qualities of Human Resources (HR) both for the industrial sector and other sectors, and from there it will have an impact and influence on the future economic growth of the Indonesian nation.]]>
<![CDATA[PENGARUH PERSEPSI DAN RELIGIUSITAS MASYARAKAT TERHADAP MINAT MENABUNG DI BANK SYARIAH ]]>
<![CDATA[Nurholisah, Salsa]]>;
<![CDATA[Chumairo Dewy, Rahmadanty Musrifa]]>;
<![CDATA[Permana, Rusma]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 2 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i2.692
<![CDATA[Penelitian ini bertujuan untuk menguji pengaruh secara parsial maupun simultan dari persepsi dan religiusitas masyarakat terhadap minat menabung di bank syariah. Penelitian ini menggunakan metode kuantitatif. Program aplikasi yang digunakan untuk mengolah data yaitu SPSS versi 25. Dalam penelitian ini sampel yang ditetapkan sebanyak 98 orang dengan menggunakan rumus slovin dan pengambilan sampel menggunakan metode probability sampling dengan teknik cluster sampling yang cara pengambilan sampel acak berdasarkan area atau wilayah. Data yang digunakan adalah data primer yang diperoleh dari pembagian kuesioner terhadap masyarakat desa Sukaraja sesuai dengan karakteristik responden yang peneliti tentukan. Pengukuran variabel menggunakan skala Likert dengan skala 1 sampai 5. Pengujian hipotesis dalam penelitian ini menggunakan regresi linear berganda. Hasil penelitian menunjukan bahwa persepsi berpengaruh secara signifikan terhadap minat menabung masyarakat desa Sukaraja didapat hasil thitung > ttabel (7,048 > 1,984) dengan tingkat signifikansi sebesar 0,000 < 0,05 (5%), religiusitas berpengaruh signifikan terhadap minat menabung masyarakat desa Sukaraja didapat hasil thitung > ttabel (4,060 > 1,984) dengan tingkat signifikansi sebesar 0,000 < 0,05 (5%), persepsi dan religiusitas secara simultan berpengaruh signifikan terhadap minat menabung masyarakat desa Sukaraja didapat hasil fhitung > ftabel yaitu 65,783 > 3,09. Dengan demikian perbankan syariah sangat mudah meningkatkan sosialisasi kepada masyarakat tentang keuangan syariah agar dapat diterima dan dimengerti oleh seluruh masyarakat desa Sukaraja.]]>
<![CDATA[DETERMINAN KEPUASAN NASABAH TABUNGAN RAMADHAN BERKAH DI BPRS ATTAQWA KARAWACI TANGERANG ]]>
<![CDATA[Nurul Alim, Muhammad]]>;
<![CDATA[Muchtar, Evan Hamzah]]>;
<![CDATA[Maulida, Umi Aisyah]]>
<![CDATA[ Islamic Banking & Economic Law Studies (I-BEST) Vol. 3 No. 2 (2024): ISLAMIC BANKING & ECONOMIC LAW STUDIES (I-BEST) ]]>
Publisher : <![CDATA[STAI Asy-Syukriyyah ]]>
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DOI: 10.36769/ibest.v3i2.712
<![CDATA[This study aims to analyze the effect of service quality and product quality on customer satisfaction of the Ramadhan Berkah Savings at BPRS Attaqwa Karawaci. The research method used is quantitative with a multiple linear regression approach, involving a sample of 51 respondents. Data was collected through questionnaires and analyzed using SPSS 21. The results show that service quality significantly affects customer satisfaction with a significance value less than 0.05, while product quality also has a significant effect with a significance value approaching 0.05. Simultaneously, both service quality and product quality significantly affect customer satisfaction. This study suggests that BPRS Attaqwa should continue to improve service and product quality to enhance customer satisfaction.]]>
