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Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : P2476877     EISSN : E2621668     DOI : https://doi.crossref.org/servlet/home
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
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.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 10 Documents
 1 
Search results for , issue "Vol 8, No 2 (2022)" : 10 Documents clear
Upaya Pengentasan Kemiskinan Masyarakat Muslim Papua Melalui Inklusi Keuangan (Studi Pada BMT KUM 3 dan BMT Al-Hijrah) Faizah, Nur
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3726

Abstract

This study aims to determine the implementation of the inclusion program by BMTs in Sorong (BMT Al-Hijrah and BMT KUM 3) to alleviate poverty in the Papuan Muslim community. This study uses descriptive qualitative research methods. The technique for collecting data is the interview, observation, and documentation. The data analysis technique used descriptive analysis with the stages of data reduction, data presentation, and conclusions. The results of this study are BMT KUM 3 and BMT Al-Hijrah have implemented financial inclusion programs to alleviate poverty in the Papuan Muslim community. In addition, the efforts that have been made by the two BMTs are by providing easy access for the poor to reach, besides that the two BMTs provide pick-up services, as well as facilitating the requirements for collection and financing products, and provide fast ones. The obstacles BMT KUM 3 and Al-Hijrah face are, First, internal factors, namely the lack of human resources, and external factors, namely customers do not have collateral. Second, from the perception of the Papuan Muslim community who are not familiar with BMT and feel the need for financial services provided by BMT.
Analisis Perilaku Generasi Digital Native Terhadap Bank Syariah Ngali, Fatkhul; Purwanto, Purwanto; Fitriyani, Yeni
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3722

Abstract

The motive of this take a look at is to decide the elements that impact the goal of the virtual local technology to undertake Islamic banking offerings. Much preceding research have used the Theory of Planned Behaviour (TPB) withinside the adoption of the conduct of Islamic monetary offerings, however there are nonetheless few research withinside the context of the virtual local technology. Meanwhile, the virtual local technology can end up a marketplace phase for Islamic banking as a way to growth marketplace share. The studies pattern turned into 169 respondents from the virtual local technology who stay in Magelang Regency. The studies information turned into gathered on line the usage of the google shape facility. Data evaluation used Structural Equation Modelling primarily based totally on variance. The results show that theoretically, this research can prove that the Theory of Planned Behavior (TPB) is relevant to be used in analyzing the behavior of the digital native generation towards Islamic banks. Partially, this study proves that the variables in the TPB, namely attitudes, subjective norms and perceived behavioral control, were found to have a significant positive influence on the intention of the digital native generation to adopt Islamic banking services. The next finding is that online shopping behavior is able to moderate the relationship between subjective norms and behavioral control variables that are perceived positively, but in memorization a negative relationship to the intention to adopt Islamic banking services.
Potensi Wisata Halal di Desa Rindu Hati Kabupaten Bengkulu Tengah Menggunakan Pendekatan Porter Five Forces Prisiliko, Olivia; Yunus, Fatimah; Stiawan, Evan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3727

Abstract

The goal of this research is to figure out how the potential for halal tourism in Rindu Hati Village, Central Bengkulu Regency uses the Porter Five Forces approach. The research used a qualitative technique and was a sort of field research (field research). It may be concluded based on the study's findings that first, tourism in Rindu Hati Village, Rindu Hati Village Tourism has the potential as a halal tourist destination because it has fulfilled several indicators that have been considered, such as available halal food and drinks, prayer rooms, Qibla directions, proper washing places, toilets men and women are separated, there is a prohibition on activities that violate sharia norms to provide comfort for tourists, especially Muslim tourists. Second, Porter Five Forces results that tourism in Rindu Hati Village has good product differentiation, requires large capital to enter, and even competes with facilities that are by halal tourism indicators, bathing places are a threat to substitute products but tourism in Rindu Hati Village still has providing tubing services, the bargaining power of suppliers since the do not have a major influence the relationship is only limited to sellers and buyers without a contract, and there is no bargaining with tourists because it is the final price.
Faktor-Faktor Penentu Nilai Perusahaan Pada Bank Umum Syariah di Indonesia Periode 2016-2020 Anggreini, Gita Melliyani; Oktaviana, Ulfi Kartika
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3723

Abstract

This study aims to confirm whether internal factors are correlated to the firm value of Islamic commercial banks (BUS) in Indonesia, both partially and simultaneously. The Economic Value Added (EVA) method was adapted to measure firm value in the 2016-2020 period. The sample studied amounted to 11 BUS. The results of the study partially show that Operational Costs on Operating Income, Company Size, and Company Growth have a significant effect on the company value of Islamic commercial banks in Indonesia. On the other hand, Capital Adequacy Ratio, Non Performing Financing, Debt to Equity Ratio, Return on Assets, Operating Costs to Operating Income, Company Size, Company Growth and Institutional Ownership simultaneously affect the value of Islamic commercial banks in Indonesia. The variables of Capital Adequacy Ratio, Non Performing Financing, Debt to Equity Ratio, Return on Assets, Operational Costs to Operating Income, Company Size, Company Growth and Institutional Ownership are able to explain the influence of 46.9% on the value of Islamic commercial banks. While the remaining 53.1% is explained by the independent variables that are not examined.
Evaluasi Kinerja Keuangan Bank Muamalat Indonesia Menggunakan Metode RGEC dan Islamicity Performance Index Periode 2016-2020 Yulianti, Chika Dwi Rahma; Wahyuni, Eka Sri; Hariyadi, Rizky
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3719

Abstract

This study aims to determine the financial performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period. The study used descriptive quantitative methods. Evaluation of the financial performance of Bank Muamalat Indonesia (BMI) is carried out using the REGC method and the Islamicity Performance Index method. The results of the assessment of the financial performance of Bank Muamalat Indonesia (BMI) using the REC (Risk Profile, Earnings, and Capital) method can be concluded that the performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period is in good condition. The results of the evaluation of sharia financial performance based on the Islamicity Performance Index show that the sharia performance of Bank Muamalat Indonesia (BMI) for the 2016-2020 period is in poor condition, but BMI is the first Islamic bank and is still a bank that has made efforts to implement sharia principles and its social obligations as an Islamic bank.
Pengaruh Kepemimpinan Islami, Komunikasi dan Lingkungan Kerja Terhadap Kinerja Karyawan Pt. Bank Syariah Indonesia Hartini, Kustin; Gustama, Dandy Fendra
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3724

Abstract

This study analyzes the factors that affect the performance of employees at BSI S.Parman BengkuluBranch Office. These factors include work environment factors, communication factors, and Islamic leadership factors. Research with associative quantitative analysis approach. Data obtained through observation, questionnaires as well as literature study. The population in this study were employees of BSI Bengkulu Branch Office. Saturated sampling technique in this study was used to determine the research sample and data analysis using regression analysis and statistical data processing with the help of SPSS. The results of partial data analysis for the Islamic leadership variable on employee performance obtained a significance value of 0.007 > 0.05. For the communication variable obtained the value of sig. 0.039 < 0.05 and the work environment variable with a value of sig. 0.003 > 0.05. And the significance value partially shows Islamic leadership variables, communication variables and also work environment variables have a positive and significant influence on the performance of BSI Bengkulu Branch Office employees. Leadership is the ability to influence employees in achieving company goals. Good communication and work environment are also important elements that must be considered in improving employee performance.
Analisis Equivalent Rate Perbankan Syariah Pada Masa Pandemi (Studi Pada Bank BNI Syariah) Asiyah, Binti Nur; Islamiah, Cahyani; Ningrum, Christina Ika
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3453

Abstract

This study aims to analyze the mechanism in applying the distribution of profit sharing of third-party funds collected using the equivalent rate. The research uses a case study approach and type. To obtain data, researchers used data on the annual and quarterly financial statements of BNI Syariah Bank in 2020, 2019, and 2018 and literature studies in the form of books and research articles. The study results of the Islamic banks' efforts to increase customer interest, one of which is by using profit sharing ratio information in the form of an equivalent level. The strategy of Bank BNI Syariah to present an equivalent level in its Quarterly Financial Statements is the right step to increase customer interest in placing their funds in BNI Syariah banks. Furthermore, this research shows that the Equivalent rate at BNI Syariah Bank in 2020 in its quarterly report tends to decrease in the pandemic era in line with the national and global economic slowdown.
Tipologi Koperasi Umum dan Syariah Amir Sup, Devid Frastiawan; Lahuri, Setiawan; Kamaluddin, Imam; Ghozali, Mohammad; Hidayat, Iman Nur
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3720

Abstract

This study aims to typify cooperatives in Ponorogo, East Java, Indonesia. The data used as the object of the typology are 842 cooperative data. This study used a quantitative descriptive methodology with a typology approach. Data were collected using the documentation method and typologically using the descriptive analysis method. The results obtained are that there are 430 cooperatives that have been certified by NIK certtified and 412 cooperatives that have not been certified by NIK certified. Cooperatives in Ponorogo, East Java, Indonesia can be typified into 4 (four): (1) Based on level (primary cooperative, secondary cooperative, and cooperative center); (2) Based on activity (KSP, KSU, KBPR, producer cooperative, consumer cooperative, service cooperative, and handicraft industry cooperative); (3) Based on member (KPN-KPRI, employee cooperative, student cooperative, KUD, women's cooperative, and market cooperative); (4) Sharia entities (sharia cooperative, KJKS-KSPPS, Kopontren, and BMT).
Analisis Trend Rasio Likuiditas Bank Muamalat Menggunakan Metode Least Square Lubis, M. Zaky Mubarak; Rahmat, Ihsan; Agusti, Netta; Wiratha, Andre
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3725

Abstract

This study aims to see the development of Bank Muamalat's liquidity ratio in 2015-2018. This type of research is descriptive with a quantitative approach. The method used is Trend Analysis with least square method. The data collection technique used in this study is documentation. In this study, researchers used secondary data in the form of annual report Muamalat Bank in 2015-2018. The results showed that the development of Muamalat Bank liquidity for the 2015-2018 period in terms of FDR was 90 %, 95 %, 85 % dan 74 %. The comparison of the real value of FDR and the value of FDR Trends from 2015-2018 is 90%, 95%, 85% and 74% compared to 83.1%, 80.2%, 77.3% and 74.3%. This shows the tendency of trend values that are getting closer to the real value in 2018. Prediction of the value of FDR in 2019-2021 based on the equation Y = 86-2.9 (X) is 71.5%, 68.6% and 65.4%. The trend value shows a decrease in percentage which shows the stronger liquidity of Bank Muamalat in the same time as the composite index
Pengaruh Online Payment Terhadap Minat Untuk Berzakat Online Ramadhan, Faizal Huda; Triono, Firly Rio
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v8i2.3721

Abstract

The presence of economic digitization has a lot of impact on the economy, one of which is Financial Technology in paying zakat  Not only does the conventional economic search get the impact of such technology, but the Islamic economy gets the impact. An example is the mechanism in Zakat. Zakat can now be done online through privately owned gadgets or other technologies. It certainly facilitates people, both zakat payers, and zakat recipients. However, not a few people have not fully implemented technological advances in their lives for several reasons. Therefore, researchers researched to find out the influence of online payment on the interest in online zakat of some people in Bogor City. The research was conducted with the dissemination of questionnaires containing several questions about the problem. The results of the study were tested with several statistical tests, such as data feasibility tests (validity and reliability tests), classic assumption tests (normality tests, linearity tests, and heteroskedasticity tests), and hypothesis tests to determine the veracity of the formulation of previous hypotheses. It is then analyzed using simple linear regression analysis to get to conclusions. The results showed that partial online payment influences interest to make a difference online. However, only 21,3% of its influence, the rest was influenced by other variables that were not present in this study.

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