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Ach Baiquni
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Economics and Islamic Business Faculty, Institut Agama Islam Negeri Madura Jl. Raya Panglegur Km. 04, Pamekasan, East Java
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INDONESIA
Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Published by Institut Agama Islam Negeri Madura
ISSN : 23547057     EISSN : 24423076     DOI : https://doi.org/10.19105/iqtishadia.v11i1
Core Subject : Economy,
Economics, Econometrics & Finance
Publishes mainly focuses on the major problems in the development of Islamic Business and economic areas, such as Islamic economic thoughts, Islamic economic and business, Islamic philanthropy (zakat, infaq, shadaqah, and waqf), halal industry (food tourism, product), Islamic microfinance, Islamic banking and financial institution, Islamic banking management, and Islamic monetary economics.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 184 Documents
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Penerapan Suku Bunga Bank Indonesia sebagai Instrumen Utama Kebijakan Moneter di Indonesia Perspektif Ekonomi Islam ala Syafruddin Prawiranegara Syah, Toufan Aldian; Aziz, Jamal Abdul
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3487

Abstract

Monetary policy is a factor that greatly determines the economic conditions of a country. Because it is very closely related to various things of economic activity in the efforts to achieve economic development that provides welfare for the community. This paper seeks to analyze the mechanisms of monetary instruments in Indonesia. Second, look at the extent of the implementation of monetary policy mechanisms in Indonesia by using Bank Indonesia Interest Rates. Third, the views of one of the Islamic economic leaders namely Sjafrudin Prawiranegara regarding the prohibition of the use of interest rates in Islam. Based on the analysis and discussion described above, the researcher concludes that the mechanism of interest rate-based monetary policy instruments in Indonesia remains the main instrument in controlling the country's economics and cannot be directly considered contrary to Islamic principles.
Pengaruh Religiusitas, Kepercayaan, dan Kepuasan terhadap Keputusan Pembelian Ulang Produk Halal Nurrachmi, Intan; Setiawan, Setiawan
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3521

Abstract

Kehalalan suatu produk merupakan kebutuhan wajib bagi setiap konsumen, terutama konsumen muslim. Dalam memilih produk halal didasari dengan berbagai sebab. Religiusitas menjadi dasar seorang konsumen muslim memilih produk halal, hal ini merupakan komitmen menjalankan ajaran Islam secara menyeluruh. Keputusan memilih produk halal juga dipengaruhi faktor psikologis seperti kepercayaan terhadap produk halal yang selanjutnya dapat memberikan kepuasan, sehingga berdampak pada keterhubungan dan ketergantungan kepada produk halal tersebut. Penelitian ini meninjau lebih jauh pengaruh religiustas terhadap keputusan untuk membeli ulang produk halal melalui kepuasan dan kepercayaan terhadap produk. Penelitian dilakukan melalui metode survei dengan menyebarkan angket kepada responden di Kota Bandung. Analisis data dilakukan melalui pendekatan SEM-PLS dan alat bantu yang digunakan adalah WarpPLS. Hasil penelitian menunjukkan bahwa religiusitas, kepercayaan dan kepuasan berpengaruh signifikan terhadap keputusan pembelian ulang produk halal. 
Pengelolaan Pariwisata Halal Pekalongan Studi Peran Pedagang Kuliner dan Kesejahteraan Masyarakat Ismanto, Kuat
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3522

Abstract

This paper aims to explore the potential of Muslim-friendly tourism for the welfare of the people in Pekalongan Regency Beach. This research was carried out within a framework of field research with a qualitative approach. Primary research data obtained through observation, interviews, and documentation. Researchers make observations in the field, as well as conducting interviews with tourism managers and traders at tourist sites. Secondary data was obtained through a review of books, journal articles, data from agencies, and other sources that fit the research theme. The data obtained were analyzed descriptively-qualitatively to draw conclusions. The results of this study indicate that (1) Pekalongan beach tourism has the potential to be developed into Muslim-friendly tourism. Aspects of tourism, such as attractions, access, amenities, and services in good condition. Only, these aspects of tourism need to be improved, both in quantity and quality. (2) There is community involvement in the management of coastal tourism in Pekalongan Regency. The form of community involvement in tourism management has a difference between Depok Indah Beach and Kisik Wonokerto Beach. In Depok Beach, the community participates as traders, where beach tourism is managed by the Department of Tourism. Manifestation of community involvement in Kisik Beach is to become a manager and trader. In Kisik Beach, attractions are managed by the village government through BUMDes, so the involvement of the local village community is very high. (3) There are a number of benefits to the community through the existence of a tourism object as well as its involvement in becoming a tourism manager and trader in a tourist attraction.
Rasio Kecukupan Pemenuhan Modal Minimum (KPPM) terhadap Eksposur Aktiva Tertimbang Menurut Resiko (ATMR) Bank Syariah Maughfiroh, Suci
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3567

Abstract

The banking world is inseparable from the aspect of capital. In running a business, capital is needed. Capital is a driving factor of various sectors of activity. In order for banks to develop healthily and be able to compete in international banking, bank capital must always follow the applicable international standards, which are determined by Banking For Internasional Sattlement (BIS) i.e. (CAR) by 8%. The purpose of this study is to review or analyze the Minimum Capital Adequacy Ratio (KPPM) to the Risk Weighted Assets (ATMR) of BNI Syari'ah 2018. To find out the bank can meet its capital well or not with the risk constraints that may arise from the assets owned. The results showed that the BNI Syariah Capital Adequacy Ratio Percentage was 19.24% from the comparison of Capital and Reserves with Risk Weighted Assets (ATMR). In need of an increase in the Minimum Capital Adequacy Ratio (KPPM) in BNI Syariah banks so that the bank can fulfill all obligations or minimize losses from the risks that occur.
Peran Entrepreneur Muslimah dalam Pemberdayaan Masyarakat (Studi Komparatif pada Sentra Batik Tulis Al-Barokah dan Batik Safira Pakandangan) Fatimah, Siti
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3596

Abstract

Penelitian ini menggunakan metode penelitian kulalitatif jenis Studi Komparatif dengan pendekatan Etnografi yang berupa penelitian perbandingan antara peran dua entrepreneur muslimah dalam pemberdayaan masyarakat. Penelitian ini untuk mengetahui tiga hal Pertama, bagaimana eksistensi entrepreneur muslimah di Sentra Batik Tulis Al-Barokah dan Batik Safira Pakandangan, kedua, bagaimana strategi entrepreneurship Sentra Batik Tulis Al-Barokah dan Batik Safira Pakandangan, yang ketiga, untuk mengetahui peran entreprneur muslimah Sentra Batik Tulis Al-Barokah dan Batik Safira Pakandangan dalam pemberdayaan masyarakat.Hasil penelitian menunjukkan bahwa peran Tarwiyah dalam pemberdayaan masyarakat Desa Pakandangan Tengah ialah memberikan lapangan pekerjaan untuk masyarakat sehingga jumlah penduduk yang diberdayakan mencapai sebesar 3,39 % dari jumlah penduduk sebanyak 1.827 jiwa. Sedangkan Jumlah persentase masyarakat Desa Pakandangan Barat yang diberdayakan oleh Luluk Faiqotul Himmah sebesar 0,56 % dari jumlah penduduk sebanyak 3.738 jiwa
ANALISIS PERBANDINGAN KINERJA KEUANGAN BANK BNI SYARIAH DAN BANK SYARIAH MANDIRI DI MASA PANDEMI COVID-19 Surya, Yoga Adi; Asiyah, Binti Nur
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 2 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i2.3672

Abstract

Financial performance as a measurement to determine the process of implementing financial resources owned by the company. Covid-19 pandemic has an impact on the banking sector, resulting in non-performing financing due to debtor arrears as a result of many people losing their jobs and difficulties in paying credit. This study has the objective of analyzing the comparative financial performance between Mandiri Shariah Bank and BNI Shariah Bank during the Covid-19 pandemic, using quarterly financial statements 1, 2, 3 and 4 for 2019 and quarter 1 for 2020 and through Independent testing T-Test sample. There are financial performance differences between BNI Shariah Bank and Mandiri Shariah Bank from ROA, NPF and BOPO aspects, whereas in terms of CAR and ROE aspects show significantly there are no differences performances between BNI Shariah Bank dan Mandiri Shariah Bank. This paper recommends that BNI Syariah pay attention to the ROE and NPF ratio, while to Bank Syariah Mandiri to pay attention to the CAR, ROA and BOPO ratios. Kinerja keuangan sebagai alat ukur untuk mengetahui proses melaksanakan sumberdaya keuangan yang dipunyai oleh perusahaan. Pandemi Covid-19 berdampak pada sektor perbankan sehingga mengakibatkan pembiayaan tidak lancar karena penunggakan debitur sebagai akibat dari banyaknya masyarakat kehilangan pekerjaan dan kesulitan untuk pembayaran pembiayaan. Penelitian ini mempunyai tujuan yakni melakukan analisis perbandingan kinerja keuangan antara Bank Syariah Mandiri dengan Bank BNI Syariah selama pandemi Covid-19, dengan menggunakan catatan laporan keuangan triwulan 1, 2, 3 dan 4 untuk tahun 2019, triwulan 1 untuk tahun 2020 dengan melalui pengujian Independen Sampel T-Test. Terdapat perbedaan antara kinerja keuangan Bank BNI Syariah dan Bank Syariah Mandiri dari aspek ROA, NPF dan BOPO, dan sedangkan dari segi aspek CAR dan ROE menunjukkan bahwa secara signifikan tidak ada perbedaan antara kinerja keuangan Bank Syariah Mandiri dan Bank BNI Syariah. Paper ini merekomendasikan kepada BNI Syariah agar memperhatikan rasio ROE dan NPF, sedangkan kepada Bank Syariah Mandiri agar memperhatikan rasio CAR, ROA dan BOPO.
AKAD PEMBIAYAAN DAN PENGARUHNYA TERHADAP PEMBIAYAAN BERMASALAH PADA BNI SYARIAH Fauzukhaq, Muhammad Fadlillah
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i1.3695

Abstract

This study aims to determine the effect of the Mudharabah Financing Contract, Musyarakah Financing Contract and Murabahah Financing Contract, as independent variables on Non Performing Financing as the dependent variable on BNI Syariah partially and simultaneously. The data analysis method used was the independent sample t-test and ANOVA. The sampling method uses the Non Probability Sampling method. Processing data using multiple linear regression analysis method with processing tools using SPSS 23. The results of the study using multiple linear regression analysis, it was found that the Mudharabah Financing Contract did not have a significant effect on non-performing financing, the Musyarakah Financing Contract and Murabahah Financing Contract partially had a significant effect. Against Non Performing Financing. Simultaneously, the Mudharabah Financing Contract, the Musyarakah Financing Contract and the Murabahah Financing Contract at BNI Syariah have a significant effect on non-performing financing with an adjusted R square value of 60.6%.[Penelitian ini bertujuan untuk mengetahui pengaruh secara parsial dan simultan variabel independen yaitu Akad Pembiayaan Mudharabah, Akad Pembiayaan Musyarakah dan Akad Pembiayaan Murabahah terhadap variabel dependen yaitu pembiayaan bermasalah atau Non Performing Financing pada BNI Syariah. Metode analisa data yang digunkan adalah uji independent sample t-test dan ANOVA. Metode pengambilan sampel dilakukan dengan metode Non Probability Sampling sehingga dipilih bank BNI Syariah. Pengolahan data menggunakan metode analisis regresi linear berganda dengan alat pengolahan menggunakan SPSS 23. Hasil penelitian menggunakan analisis regresi linear berganda, didapatkan bahwa Akad Pembiayaan Mudharabah tidak berpengaruh secara signifikan terhadap Non Performing Financing, Akad Pembiayaan Musyarakah dan Akad Pembiayaan Murabahah secara parsial memiliki pengaruh yang signifikan terhadap Non Performing Financing. Secara simultan, Akad Pembiayaan Mudharabah, Akad Pembiayaan Musyarakah dan Akad Pembiayaan Murabahah pada BNI Syariah berpengaruh secara signifikan terhadap Non Performing Financing dengan nilai adjusted R square sebesar 60.6%.]
Capital Structure, Organizational Slack and Sustainability Reporting In Islamic Bank of Indonesia, Qatar and Bahrain Niswah, Milananda Ainun; Falikhatun, Falikhatun
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i1.3706

Abstract

This research aims to analyze the effects of capital structure and organizational slack on sustainability reporting in Islamic banks of Indonesia, Qatar, and Bahrain. The capital structure variable consists of leverage and investment account holders, while the organizational slack variable consists of available slack and recoverable slack. Analysis content that used to measure the disclosure of sustainability reporting based on the AAOFII index consisting of 78 items. The observation data used were 120 observations consisting of 26 Islamic banks on Indonesia, Qatar, and Bahrain for the period 2014 to 2018 with a purposive sampling method. The results showed that there was a positive influence between leverage and a negative effect between investment account holders on sustainability reporting. This study also found a positive relationship between available slack and there was no significant effect between recoverable slack on sustainability reporting.
Pengaruh Tingkat Kesehatan Bank Terhadap Total Pembiayaan Bank Umum Syariah Periode 2012Q1-2020Q1 Rosa, Sintya Prilla; Canggih, Clarashinta
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i1.3708

Abstract

This study aimed to determine the effect of bank soundess level to the total financing of Islamic Banks in Indonesia during 2012Q1 – 2020 Q1. The bank soundess level was measured by the RGEC method with Non-Performing Financing, Financing to Deposit Ratio, Board of Commissioners Size, Return on Assets and Capital Adequacy Ratio as the variables. Quantitative approach was utilized in this study through panel data regression analysis. The sample were all Islamic Banks in Indonesia. The result indicated that the Non-Performing Financing, Financing to Deposit Ratio, Board of Commissioners Size, Return on Assets, and Capital Adequacy Ratio have no effect to the total financing of Islamic Commercial Banks partially, wheras simultaneously they affect the total financing. [Tujuan dari penelitian ini adalah untuk mengetahui pengaruh tingkat kesehatan bank dengan metode RGEC yang diukur menggunakan variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets dan Capital Adequacy Ratio terhadap total pembiayaan bank umum syariah periode 2012Q1-2020Q1. Penelitian ini menggunakan pendekatan kuantitatif dengan teknik analisis data panel. Sampel dalam penelitian ini yakni seluruh Bank Umum Syariah yang ada di Indonesia. Hasil penelitian ini menunjukkan bahwa secara parsial variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets, dan Capital Adequacy Ratio tidak berpengaruh terhadap total pembiayaan bank umum syariah. Sedangkan secara simultan, variabel Non Performing Financing, Financing to Deposit Ratio, Ukuran Dewan Komisaris, Return on Assets, dan Capital Adequacy Ratio berpengaruh terhadap total pembiayaan bank umum syariah.]
Appreciative Inquiry Analysis Through SOAR Approach In The Lens Of Shariah In Facing Industry 4.0 On Indonesia’s Islamic Banking Zulfikar, Zulfikar
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 8 No. 1 (2021)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v8i1.3752

Abstract

The research I conducted looked at how the impact of the industrial revolution 4.0 on the Islamic banking sector. In this case, I took a SOAR analysis approach (strengths, opportunities, aspirations and results), in contrast to the SWOT analysis, SOAR analysis resembled more at the advantages and opportunities of Islamic banking in achieving progress not only the world but also the hereafter. The SOAR analysis that I did combines with Sharia principles that will realize as in digital financing products and internet banking. The Sharia Supervisory Board and DSN-MUI are among the regulators making sharia banking stronger and recognized. Virtually a usury-free bank and towards the benefit of the Ummah both in the world and in the hereafter. The different method I use is a qualitative method by viewing at and analyzing the research object to be examined.

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