Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Focus Al Intaj : Jurnal Ekonomi dan Perbankan Syariah is designed to provide a forum for researchers who focus on Islamic economics and banking, covering current issues in Islamic economics and banking, Islamic philanthropy, and Islamic finance. Scope The scope of this journal includes: 1. Islamic Economic 2. Islamic Accounting 3. Islamic Philanthropy 4. Islamic Bussines Ethic 5. Islamic Insurance 6. Islamic Microfinance 7. Islamic Capital market 8. Sharia Financial Banking.
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<![CDATA[Penerapan Sebelum Dan Sesudah Sistem Informasi Akuntansi Syariah Dengan Menggunakan Aplikasi Software Accounting Dalam Penyusunan Laporan Keuangan Bagi UMKM ]]>
<![CDATA[INDRA, YETTI AFRIDA]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3633
<![CDATA[The benefits of implementing Islamic accounting in their business will make it easier for MSME players to make Islamic financial reports, evaluate performance, find out their financial position, and calculate taxes. This research is about the application of before and after the use of accounting information systems using Zahir Accounting software in the preparation of financial reports on MSMEs in Bengkulu City. This research uses a case study approach. The data used in this study are primary data obtained directly from the MSMEs through interviews. This research uses qualitative research methods, namely the method of analysis carried out by looking for the strengths that exist in the company and then compared with the Zahir Accounting software that will be recommended by the author. From the research results, it was found that some of the results of the research on the financial statements of the UMKM in Bengkulu City are currently good. MSMEs do not need to bother making financial reports manually. You don't need to make proof of a transaction receipt or invoice manually, because the accounting application can print all the evidence..]]>
<![CDATA[Analisis Risiko Operasional Bank Syariah Pada Masa Pandemi Covid-19 ]]>
<![CDATA[Fauziah, Heftika Nur]]>;
<![CDATA[Fakhriyah, Aini Nur]]>;
<![CDATA[Abdurrohman, Abdurrohman]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3629
<![CDATA[This study aims to determine the risk management carried out by PT.BNI Syariah KC Mataram during the COVID 19 pandemic. This study uses a qualitative method with a case study approach. The data collection technique used in this study was interviewed. The analysis technique used in this research is an explanation or explanation. The results of this study indicate that operational risk is divided into two, namely the risk to the customer and the risk to the bank, including limitation of service offices, increased operating expenses and decreased profit. The factors that cause operational risk are divided into internal factors from the bank and external factors from customers, the method used by BNI Syariah KC Mataram to overcome operational risk that occurs is to focus on these 2 factors, optimize controlling for all employees (internal) and also optimize controlling for customers (external).]]>
<![CDATA[Implementasi Pengelolaan Keuangan Negara Dalam Perspektif Ekonomi Islam (Studi APBN 2009-2017) ]]>
<![CDATA[Sazali, Munawir]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3639
<![CDATA[The focus of this study is to determine the implementation of state financial management after the enactment of law number 17 of 2003 on the management of state finances in Indonesia (APBN) managed by the government in the period 2009-2017 as seen from the level of poverty, unemployment and external debt country to the impact of the management of the state budget over a period of 9 years which was examined through an Islamic economic perspective. The methodology used is a qualitative approach to Islamic economics and the analysis used is descriptive analysis. The data used are primary and secondary data. The results of this study indicate that the management of state finances in Indonesia after the enactment of Law No. 17 of 2003 there is a change in budget transparency and efficiency of budget use but there are undesirable impacts of poverty, unemployment and foreign debt that are still high, and the role of Islamic economics that must be optimized in the future is to help economic growth in Indonesia, in this case through the National Amil Zakat Agency and the Amil Zakat Institution.]]>
<![CDATA[Analisis Permintaan Dan Biaya Differensial Terhadap Keputusan Menerima Atau Menolak Pesanan Khusus Pada Konveksi Djogja Latansa ]]>
<![CDATA[Nurhidayat, Ahmad]]>;
<![CDATA[Husain, Muchammad Ikbal]]>;
<![CDATA[Wijaya, Ajeng Retno]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3557
<![CDATA[Clothing or apparel is a fundamental human need. Clothes or clothing can show the identity of a product or image of a convection business. Convection business is a fashion business that produces a variety of men's clothes or student uniforms in public and private universities. At certain times, Konveksi's business can obtain abundant orders from consumers. This will make the reason for the making of T-shirts and apparel to increase. This study aims to analyze the special requests and costs associated with making decisions in accepting special orders. This research uses quantitative descriptive research with object research on Djogja Latansa. Data collection techniques used in this study were the Observation, Interview, and Literature Review (Library Research) and the data analysis technique used differential analysis. The results of this study indicate that the convection business has carried out an analysis of demand and differential costs and received special orders. Business actors ask for differential cost analysis on decision making, to be more careful in sorting incoming order requests]]>
<![CDATA[Pandemi Covid-19: Tantangan Ekonomi dan Bisnis ]]>
<![CDATA[Sumarni, Yenti]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3630
<![CDATA[The Covid-19 pandemic is currently sweeping the world including Indonesia, which has had various impacts including the economic sector.This study aims to determine the impact of the Covid-19 Economic and Sharia Business challenges in Indonesia. This type of research is a type of library research and using the qualitatif analysis. The results of this study indicate the impact of the Covid-19 Pandemi that occurred on the global economy including the economy in Indonesia. From this pademic impact the decline in demand for sharia products and hampered production of sharia because raw materials come from outside countries, the impact of this pademic affects this hampered the realization of investment. No exception, investors who plan to invest their capital in Islamic businesses. Increasing the risk of Islamic financial institutions from this challenge Sharia economic and business strategies can overcome the impact of the Covid-19 pademic. It is expected that Islamic economic and business actors show empathy and solidarity with stakeholders. Sharia business people compile more profitable business strategies. Sharia business actors utilize and support stimulus programs from the government. Islamic banking and other financial institutions must start revising growth targets, applying digital transaction technology in one solution. Sharia economics and business can play a role in restoring economic shocks by prioritizing the attainment of sharia objectives (sharia maqashid) Keywords: Covid-19 Impact, Indonesian Economy, Sharia Economy and business.]]>
<![CDATA[Pemberian Diskon Pada Aplikasi T-Money Bank Bengkulu Perspektif Hukum Islam ]]>
<![CDATA[Sitorus, Iwan Ramadhan]]>;
<![CDATA[Mursalin, Supardi]]>;
<![CDATA[Ratri, Nofi Nurahma]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3558
<![CDATA[This study aims to determine the provision of discounts on transactions using the Bengkulu Bank T-Money Application in Islamic Law review. This type of research used in this research is qualitative, using descriptive methods. The results of this study found that the giving of discounts on the T-Money Bank Bengkulu application was given in the form of cashback during launching and events that were planned to be held periodically. The discount given at launch came from Bank Bengkulu and Telkom, while the discount for the event was fully borne by Bank Bengkulu. Giving discounts on the T-Money application of Bank Bengkulu with an Islamic legal perspective is that the contract in the implementation of T-Money is the Wadiahyad Dhamanah contract and giving discounts in the form of cashback by sharia provisions because, in the Wadiahyad Dhamanah contract, fund depositors are allowed to give bonuses to fund owners. Until now there has been no argument that prohibits the use of T-Money and in its use, there are problems for mankind.]]>
<![CDATA[Optimalisasi Penyelesaian Pembiayaan Bermasalah Pada BMT Kota Mandiri Bengkulu ]]>
<![CDATA[Wardah, Khairiah El]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3631
<![CDATA[The high amount of problematic financing at BMT Kota Mandiri Bengkulu caused this institution to experience losses so that its operations became stuck. This study aims to determine how the optimization carried out by BMT Kota Mandiri in solving problematic murabahah financing. The type and approach of the research is descriptive qualitative. The technique of collecting data was carried out by observation, interviews and documentation. The main informant is Mrs. Hesti, the treasurer of BMT Kota Mandiri. The data analysis technique used was the Miles and Huberman model. The results of this study indicate that BMT Kota Mandiri performs optimization by increasing the intensity of communication with customers, helping to promote customers who have products (entrepreneurship), providing good advice to customers regarding the business being carried out, and always reminding customers to pay off installments through tausiyah. short messages related to debts in Islamic teachings through short messages sent via SMS and WA.]]>
<![CDATA[Analisis Penerapan Etika Bisnis Islam di Pasar Inpres Palu ]]>
<![CDATA[Nurfitriani, Nurfitriani]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3625
<![CDATA[The sale and purchase transaction also took place in the city of Palu at one of the traditional markets, namely the Palu Inpres Market. In this market, there are various kinds of staple goods traders ranging from vegetables, side dishes, spices, fruit, clothes and other basic necessities. This research aims at realizing Islamic business ethics in the market in Palu. This type of research is field research and a qualitative approach. Information in this research is sellers and buyers who carry out transactions in the presidential market in Palu. The results showed that some of the sellers had implemented Islamic business ethics while some had not applied Islamic business ethics with the reason of obtaining greater profits.]]>
<![CDATA[Peningkatan Peran Perbankan Syariah dalam Pengembangan Industri Makanan Halal di Indonesia ]]>
<![CDATA[Sari, Lili Puspita]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3632
<![CDATA[The halal food industry is one of the sub-sectors in the halal ecosystem which has considerable potential in Indonesia. However, the role of Islamic banking in supporting the development of this sector is still not optimal, especially financing. This study aims to provide alternatives in terms of contracts and financing models that can support Islamic bank financing in the industry. Then can affect increase the role of Islamic banks to support halal food industry in Indonesia. This research is a library research with a qualitative descriptive approach with content analysis techniques. The results show that the role of Islamic banking is currently still minimal in supporting the halal food industry in Indonesia, especially in terms of financing. In terms of financing models, partnership / synergy and community financing models can be alternatives in the agricultural sector. Meanwhile, the linkage and ecosystem-based financing model is suitable to be applied to the food and beverage processing and service industry sectors.]]>
<![CDATA[Analisis Manajemen Strategi BAZNAS Kota Ambon ]]>
<![CDATA[Tangke, Diar Muzna]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i2.3628
<![CDATA[Zakat has a very strategic role in efforts to reduce poverty or economic development. In the management of zakat, it is necessary to create a strategy so that there is a formula as a reference in its management. This study aims to determine strategic management in the management of Baznas Ambon City. The research method used is a qualitative method with analysis tools, namely SWOT analysis (Strengths, Weaknesses, Opportunities, Threats). From the results of organization profile analysis and environmental analysis, it is known that the strengths, weaknesses, opportunities, and threats (threads) of Baznas City. Baznas Ambon has a weakness in the form of not optimal socialization. There is no mustahik database, the office is not permanent (leased), the lack of support from UPZ as an extension of the Baznas Ambon City, lack of training and technical skills for Baznas management apparatus. By maximizing strength from the internal side and opportunities from the external side and utilizing the large potential of zakat, Baznas Ambon City can become an institution that the public can trust.]]>
