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Muhamad Rahman Bayumi
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INDONESIA
IEB: Journal of Islamic Economics and Business
Published by Universitas Islam Negeri Raden Fatah Palembang
ISSN : 28298055     EISSN : 2829825X     DOI : https://doi.org/10.19109/ieb
Core Subject : Economy, Science,
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance
Articles that can be published in the Journal are articles from empirical research (quantitative or qualitative approaches), literature studies, or taught studies that are seen as contributing to the development of Islamic Economics and Business, especially with the theme of Islamic Economy, Halal Industry, and Digital Economy, which are carried out individually as well as groups. The primary target audience of this journal are academics, practitioners, postgraduate students, and other professionals interested in Islamic Economics and Business.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 36 Documents
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MERGER INVESTIGATION OF BANK MANDIRI SYARIAH AS AN EFFORT TO STRENGTHEN THE SHARIA ECONOMIC ECOSYSTEM Mohamed, Hussein; Darussalam, Darussalam
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19895

Abstract

Abstract This study discusses the Merger Analysis of PT Bank Mandiri Syariah to Become Bank BSI as an Effort to Strengthen the Islamic Economic Ecosystem. The Merger of Bank Syariah Indonesia that was carried out was a merger of the three large Islamic Banks in Indonesia, namely Bank Mandiri Syariah, Bank BRI Syariah, and Bank BNI Syariah. This research will focus more on discussing the impact that will occur on the Islamic economy in Indonesia from the merger of these three banks. And what are the strategies in an effort to improve the Islamic Economic Ecosystem. This research also aims to further introduce the achievements of the merger of Bank Syariah Indonesia and at the same time provide further insight and knowledge to the public and also especially students of the Islamic Banking study program in using the right tools for transactions. The method used by the author in this study is to use a quantitative calculation approach that has been obtained from data collection by the author. The author performs calculations on the growth of Assets, Liabilities, Equity, Mudharabah, and Musyarakah at PT. Bank Mandiri Syariah. With the results of research that the growth of Assets, Liabilities, Equity, Mudharabah, and Musyarakah that occurred over the last five years shows a very volatile growth rate. And the impact on the merger of Bank Syariah Indonesia is also in line with the results of this growth, where financial performance has been very positive and this is also what is expected to help increase in strengthening the Islamic Economic Ecosystem in Indonesia.
PERAN PEMBIAYAAN SYARIAH DALAM MENGHINDARI SISTEM IJON DI SEKTOR PERTANIAN INDONESIA Hesthria, Nur; Pajaria, Yusiresita
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19896

Abstract

Abstrak Pembiayaan merupakan modal dasar yang wajib dimiliki petani dalam melakukan produksi pertanian, namun pembiayaan konvensional tidak mudah dalam memberikan pembiayaan karena kredit pertanian memiliki resiko cukup tinggi sehingga petani lebih memilih jual beli yang menggunakan sistem ijon dalam membantu permodalan. Penelitian ini bertujuan memberikan pemahaman bagi pelaku usaha pertanian untuk menggunaan pembiayaan syariah dan menghindari jual beli sistem ijon dalam permodalan untuk menjalankan usaha . metode yang digunakan dalam penelitian ini bersumber dari artikel-artikel, koran, jurnal, buku dan majalah. Hasil dari penelitian ini memberikan pengetahuan dan pemahaman bagi pelaku usaha khususnya petani bahwa produk pembiayaan syariah yang beragam dapat membantu permodalan sehingga dapat menghindari sistem ijon yang haram untuk dijalankan dalam jual beli produk pertanian. produk pembiayaan Syariah yang cocok untuk kegiataan usaha tani antara lain mudharabah, musyarakah, muzara’ah, musaqoh, bai’murabahah, bai’as-salm dan rahn.
ANALYSIS OF BCA SYARIAH FINANCIAL PERFORMANCE BASED ON GROWTH RATE IN SUPPORTING FINANCIAL INCLUSION IN INDONESIA Bataineh, Alaa Saleh Hamadah
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19906

Abstract

This study discusses the indicators of the inclusive financial performance of PT. Bank Central Asia Syariah in Indonesia. The data used comes from secondary data from the publication of news through the official website of BCA Syariah, the annual financial report of PT. Bank Central Asia Syariah for the 2017-2021 period, as well as publication results from various relevant journals and books. The purpose of this research was conducted to find out and analyze the financial performance of PT. BCA Syariah before participating in the KEJAR program which is expected to be able to support Indonesia's financial inclusion. This study uses a quantitative method with descriptive analysis research type. The findings from the research explain that in terms of the benefits of the KEJAR program actions that are carried out provide more benefits than losses for both companies and young people. The benefits for the bank are in the form of an increase in customers with student and youth status in Indonesia. Meanwhile, the benefits for students and the younger generation are in the form of being able to create a savings account so that they are familiar with the culture of saving from an early age.
FINANCIAL PERFORMANCE ANALYSIS OF BANK SYARIAH INDONESIA THROUGH CAMEL APPROACH FROM 2019 - 2021 Sarif, Akbar; Ariyanti, Rini
Journal Of Islamic Ekonomic and Business Vol 2 No 2 (2023): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v2i2.19907

Abstract

The bank's financial performance describes the financial condition in a certain period involving aspects of raising funds and channeling funds as measured by indicators of capital adequacy, liquidity, and bank profitability. The CAMEL method is used as an assessment of the level of performance and soundness of an operating bank to serve as a reference for the smooth operation of the bank. These aspects include Capital (capital adequacy), Asset Quality (asset quality), Management (management), and Earnings (profitability). , and Liquidity (liquidity). In this journal, financial performance will be judged by its financial ratios NPF (Non-Performing Financing), FDR (Financing to Deposit Ratio), ROA (Return on Assets), ROE (Return on Equity), NIM (Net Interest Margin), CAR (Capital Adequacy Ratio). Having a financial performance report is very useful for a company as a basis for determining the company's strategy for the future. Looking at the company's overall performance, can even guide in making decisions.
MARKETING STRATEGIES AT BCA SYARIAH BANK IN INCREASING THE INTEREST OF THE MILLENNIAL GENERATION IN THE DIGITAL ERA Kusuma Dewi, Ratna; Arfan, Kiagus
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22358

Abstract

BCA Syariah Bank's Marketing Strategy in Increasing the Interest of the Millennial Generation in the Digital Era provides opportunities and challenges for its existence. So Islamic banks must be able to use existing opportunities as best as possible, namely by improving marketing strategies in the digital era by embracing the millennial generation. The aim of this research is to determine the marketing strategy of Islamic banks in increasing the interest of the millennial generation in the digital era and also to determine the inhibiting factors in the marketing strategy carried out. The collection technique is through documentation. Data analysis using qualitative descriptive. The research results show that the marketing strategy of Islamic banks in increasing the interest of the millennial generation in the digital era can be done with a marketing mix strategy, namely creating a condition called bank less (banks without offices), the existence of product innovations that can attract the interest of millennials. namely marriage savings and sacrificial savings (one person one goat), digital banks are able to save costs because they are easy, simple and cheap, promotions by creating creative content competition activities, promotions involving influencers/clerics/artists and promotions involving an active role.
THE PERFORMANCE REPUTATION OF BANK BTPN SYARIAH AND BANK MUAMALAT USES COMPARATIVE ANALYSIS WITH CAMEL AND RGEC MODELS Muhlis; Nursarita
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22359

Abstract

Using CAMEL and RGEC analytical models, this study aims to describe the reputation of BTPN Syariah compared to Muamalat Bank and to ascertain whether the financial performance and reputation of Indonesian Muamalat Banks and BTPN Syariah differ significantly. This study uses a quantitative descriptive method; that is, it describes the health of the Islamic banking industry based on the figures provided. This study shows that (1) the health assessment using CAMEL and RGEC methods leads to very different results. During 2018–2022, the health status of Bank BTPN Syariah using the CAMEL method showed good health status, while the health status of Bank Muamalat Indonesia using both methods showed excellent health status. Using the CAMEL and RGEC analysis models, it was found that there is a significant difference between the financial performance reputation of Bank BTPN Syariah and Bank Muamalat Indonesia. Based on the Mann Whitney U test, it was found that in the column Asymp.Sig. (2-tailed) for the CAMELS and RGEC tests is 0.027 or a probability less than 0.05 (0.027 < 0.05), indicating that there is a difference in the assessment of the level of health.
DISCLOSURE OF BANK MUAMALAT’S CAPITAL ADEQUACY TO SUPPORT SUSTAINABILITY AND STRENGTHENING THE BANKING SYSTEM IN INDONESIA Mahardiyanto, Agus; Prajasari, Anniza Citra
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22360

Abstract

This research aims to determine and analyze the capital adequacy of Bank Muamalat and reveal the adequacy of existing capital for the sustainability and strengthening of the banking system in Indonesia in the future. This research employs a qualitative methodology with a descriptive orientation. The data source in this research uses secondary data obtained from texts, manuscripts, online newspapers and documents, which in this research are the monthly financial reports of the Bank Muamalat company for the 2017-2022 period. The data analysis technique used is a triangulation (combined) technique. The results of this research are that disclosure of capital adequacy has a positive impact on encouraging sustainability and strengthening the existing banking system in Indonesia. Because this will help investors, potential investors and the public to entrust their funds to be managed by Bank Muamalat.
RISK MANAGEMENT IMPLEMENTATION STRATEGY THROUGH DIVERSIFICATION AT BANK MUAMALAT IN INDONESIA Rusdi, Muhammad; Diem, M. Junestrada; Pamuji
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22361

Abstract

Strategy is of course needed to face risks in every bank, both conventional and sharia banks. One strategy that can be implemented is diversification. Diversification is a financial strategy by placing funds in various investment tools with very different levels of risk and potential profits, and usually this strategy allocates assets. This research examines the strategies used by Bank Muamalat in dealing with/responding to problems that occur. The research results show that one of the strategies carried out by Bank Muamalat is to emphasize its risks through diversification. The financing diversification strategy implemented by Bank Muamalat is to produce healthy financing growth. So that Bank Muamalat makes improvements in end-to-end procedures and maintains the quality of financing by determining risks that will occur. The method used in this research is a qualitative method with a literature study approach. The data used is secondary data, namely data sourced from existing literature and references, such as in journals, scientific papers, encyclopedias and other data sources related to the research topic. Data analysis was carried out in three stages, namely, data reduction, data presentation and verification. This research needs to be carried out because the aim of diversifying is to get as much profit as possible and avoid the threat of loss. Especially at Muamalat Bank, which currently has a lot of competitors, so the bank must be able to manage the losses that it fears will occur in the future. However, of course the strategy carried out is not only diversification, but of course a fairly strong strategy is also needed in Bank Muamalat's risk management. There are things that need to be done, such as identifying risks that will occur, measuring risks that might occur, and how to manage risks that are occurring.
STRATEGY FOR INCREASING PROFITS OF PANIN DUBAI SHARIA BANK IN 2021-2023 Syamsiyah, Nur; Ikit
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22362

Abstract

To maintain stable income or profits, banks need to set strategies to increase net profits every year.The bank will continue to utilize sharia banking services in line with its efforts to further improve and continue to offer attractive products to the public.Descriptive qualitative is a research method that describes data systematically, factually and accurately by exploring deeper depth or meaning. This research aims to observe the strategies that have been implemented by Panin Dubai Syariah bank in its implementation to generate profits for the Company, and find new strategies that can increase and stabilize profits in the future.
FINANCIAL INCLUSION IN STATE SECURITIES TRANSACTIONS AT BCA SYARIAH Agustina, Ria; Lemiyana
Journal Of Islamic Ekonomic and Business Vol 3 No 1 (2024): IEB: Journal of Islamic Economics and Business
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieb.v3i1.22363

Abstract

BCA Syari'ah Bank makes efforts to support financial inclusion by collaborating with the Ministry of Finance in Sharia Securities transactions. The research method used by researchers is literature study using secondary data with BCA Syari'ah Bank as the research object. The results obtained are that there are various efforts made by Bank BCA Syari'ah to support financial inclusion and State Sharia Securities have an impact on the economy in Indonesia by increasing the amount of state budget revenue and providing opportunities for the investing community to support domestic development.

Page 3 of 4 | Total Record : 36

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