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Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : 24768774     EISSN : 2621668X     DOI : 10.29300/aij
Core Subject : Religion, Economy,
Religion Economics, Econometrics & Finance
Focus Al-Intaj: Jurnal Ekonomi dan Perbankan Syariah provides a scholarly forum for researchers, academics, and practitioners to discuss contemporary and emerging issues in Islamic economics, banking, and finance. Scope The journal welcomes original empirical and theoretical contributions covering, but not limited to, the following areas: Islamic Economics and Development Islamic Accounting and Auditing Islamic Philanthropy and Social Finance (Zakat, Infaq, Sadaqah, and Waqf) Islamic Business Ethics and Corporate Governance Islamic Insurance (Takaful) Islamic Microfinance Islamic Capital Markets Islamic Banking and Financial Institutions
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 9, no 1 (2023)" : 10 Documents clear
Strategi Penyelesaian Non Performing Financing Pada KSPPS BMT di Kabupaten Jepara Hazmi, Faiqul; Sofwan, Ali; Hidayat, Solikhul
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2689

Abstract

High number of non performing financing (NPF) has a negative impact on Islamic Microfinance (BMT), that problems affect to financial performance in low condition, liquidity problems, as well as difficulties in covering operational costs, difficulties to payback financial obligations, and BMT will eventually losses then will be converted by reducing the amount of capital. That things will be resulting in the threat of sustainability. The aims of this study, are explain the strategies used by BMT`s in Jepara to solve their NPF. The research method used a descriptive qualitative approach, this research used purposive sampling, the criteria is the key person in carrying out steps to resolve NPF in their institutions. The research finding is, there are strategies to overcome the problems of high NPF. The strategy used by 2 models, first preventive action in the form of forming strong financing organs and carrying out effective financing analysis second curative action after the financing is disbursed (1) Customer Nurturing (2) Rescheduling, (3) Reconditioning, (4) Restructuring, (5) Collateral Confiscation through litigation and non-litigation. Other findings is (6) The strategy as solution through the organizational path that became afiliation of the KSPPS BMT. 
Analisis Leverage dan Profitabilitas Terhadap Nilai Perusahaan (Studi Pada Pt. Bank Panin Dubai Syariah Periode 2016-2020) Wilyandi, Wilyandi; Arisandi, Debby; Wahyuni, Eka Sri
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2611

Abstract

This research analysis the effect of leverage and profitability on firm value at PT Bank Panin Dubai Syariah for the 2016-2020 period. The main purpose of establishing a company is to maximize shareholder wealth. There are several factors that affect firm value, for example leverage and profitability. This study uses a quantitative approach with time series analysis. Thei results of this study indicate that leverage and profitability have no effect on firm value, while the simultaneous significance test shows that leverage and profitability have an effect on firm value. This means that companies in financing their assets tend to use their own capital (internal financing) which comes from retained earnings and share capital rather than using debt.
Optimalisiasi Wakaf Produktif dalam Mendukung Upaya Pencapaian SDGs Melalui Pemberdayaan Peternakan Abiba, Riska Widya; Suprayitno, Eko
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2705

Abstract

This study aims to analyze the role of productive waqf through the livestock empowerment program to achieve Sustainable Development Goals (SDGs) in Indonesia which focuses on the first goal, namely no poverty and goal eight, namely decent work and economic growth. The research method used is qualitative research with a literature study approach. Data analysis technique using data reduction, data presentation, and data organization. The results of this study indicate that the potential for productive waqf in Indonesia is enormous, but the utilization of waqf assets still needs to be improved. So, the innovations emerged related to productive waqf through livestock waqf, where the waqf can play a role in developing and solving Indonesia's economic problems. Livestock waqf also contributes to achieving the Sustainable Development Goals (SDGs) by supporting the SDGs goal of a society without poverty, providing decent work, and increasing economic growth.
Analisis Penilaian Kesehatan Bank Dengan Menggunakan Metode RGEC (Risk, Profile, Good Corporate Governance, Earning, Capital) Pada Bank Umum Syariah Tahun 2017-2021 Dayyesi, Hermika; Rafidah, Rafidah; Siregar, Erwin Saputra
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2616

Abstract

This study aims to determine the soundness of Islamic Commercial Banks in 2017-2021 by using the measurement method regulated in Bank Indonesia Regulation, PBI No. 13/1/PBI/2011 through the RGEC method is a Risk Profile using credit risk (NPF), liquidity risk (FDR), Earnings (ROA and NIM), and Capital (CAR). In Good Corporate Governance research using data that has been processed and obtained from each Islamic bank. The object of this research is all Islamic Commercial Banks. The sample in this study used purposive sampling. This study uses a quantitative approach sourced from financial reports through the official websites of each Islamic Commercial Bank and OJK. The data used is Time Series data for 2017-2021. Analyzed using Microsoft Excel and formulas in ratios. Based on the results of this study, it shows that the health of commercial banks in terms of the Risk Profile aspect with the ratio of NPF and FDR during 2017-2021 is in a healthy condition, in terms of the GCG aspect of Islamic commercial banks in 2017-2021 is in a healthy condition, in terms of aspects Erning with ROA and NIM ratios for Islamic commercial banks in 2017-2021 is in a very healthy condition, in terms of Capital aspect with CAR ratios for Islamic commercial banks in 2017-2021 in very healthy condition.
Pengaruh Persepsi Return, Risiko, Pengetahuan dan Religiusitas Terhadap Minat Berinvestasi di Pasar Modal Syariah Prasetio, Rudi; Iswanji, Chaidir; Khotijah, Siti Afidatul
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2706

Abstract

In its development, the Islamic capital market in Indonesia has experienced various obstacles, especially during the Covid-19 pandemic that hit the world in recent years, which is thought to be the main cause due to the low level of knowledge of the Islamic capital market and public interest in the Islamic capital market. Therefore, the purpose of this study is to find out what factors are expected to influence the dependent variable, namely the interest in investing in the Islamic capital market, which includes perceived return, perceived risk, investment knowledge, and religiosity. This research is a type of quantitative research using primary data from research objects which are KSPM Ahmad Dahlan University (UAD) and Yogyakarta Muhammadiyah University (UMY) with a total sample of 60 respondents using a sampling technique that is simple random sampling. Tests carried out include descriptive statistical tests, validity and reliability tests, classical assumption tests, multiple linear regression tests, hypothesis testing (F test and t test), and test the coefficient of determination. Based on the results of this study, the results show that: Partially only the variable perceived return has a positive and significant effect on the dependent variable so that H1 is accepted, and for H2, H3, and H4 it is partially obtained that these variables have no effect on the dependen variable, therefore H2, H3, and H4 rejected..
Analisis Kinerja Keuangan Bank Syariah Dengan Metode Economic Value Added (EVA) Siagian, Yeni Aulia; Nawawi, Zuhrinal Muhammad; Syafina, Laylan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2684

Abstract

The purpose of this study is to use the Economic Value Added (EVA) method to detail PT Bank Muamalat Indonesia's financial performance from 2016 to 2021.Secondary data are used in this qualitative descriptive study. The Economic Value Added (EVA) method was used to detail the time series financial data for 2016 to 2021 that was distributed by PT Bank Muamalat Indonesia via its official website, www.bankmuamalat.co.id. According to the study's findings, PT Bank Muamalat Indonesia achieved an EVA value of pounds (EVA > 0) in the years 2016, 2018, 2019, 2020, and 2021. This indicates that the bank was capable of increasing revenue and reducing costs. PT Bank Muamalat Indonesia, on the other hand, was unable to support bank fees or generate economic value addition in 2017 (EVA < 0).In addition, it is possible to assert that the EVA method is more successful in calculating the bank's financial performance.because the bank's value capital is taken into account by the EVA strategy.
Analisis Minat Investasi Gen-Z Terhadap Investasi di Pasar Modal Syariah (Studi Pada Mahasiswa UIN Fatmawati Sukarno Bengkulu) Yustati, Herlina; Harpepen, Andi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2707

Abstract

The research aims to determine the effect of the independent variables on the dependent variable. The independent variables are Islamic Investment Gallery (GIS), Financial Literacy, Minimum Capital, Technology, Social Media, while the dependent is Interest. Total 50 samples from students of the Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu, who were in the Z generation category. This type of quantitative research was used with a purposive sampling method. Multiple Linear Regression Analysis Techniques using the Statistical Product and Service Solution (SPSS) program. The results showed that the regression coefficient value of the Islamic Investment Gallery (X1) (0.023) <0.05, so that it has a positive and significant effect on investment interest. While the regression coefficient value of the Financial Literacy variable (X2) (0.199) > 0.05, so it has no positive and significant effect on investment interest. Likewise with the value of the regression coefficient for the Minimum Capital variable (X3); Technology (X4); and Social Media (X5) which has a sig value (0.075) > 0.05; (0.107) > 0.05; and (0.386) > 0.05. Meanwhile, simultaneously all the variables studied had a significant effect on Gen Z Investment Interest in the Faculty of Islamic Economics and Business, and had an effect of 81.5%. While the remaining 18.5% is influenced by variables not examined in this study.
Implementasi Investasi Emas: Kajian Teoritis dan Praktis Menurut Ekonomi Islam Istan, Muhammad
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2686

Abstract

The purpose of this study is to describe the concept of gold investment by business people today. Next show the concepts and views of Islamic economics regarding gold investment. The research method used is a literature review, by collecting various relevant documents. The results of the study show that there are differences of opinion in investing in gold, some prohibit it and some allow it. Scholars banned the majority of fuqaha from the Hanafi, Maliki, Shafi'i, and Hambali schools. While scholars who allow it are Ibn Taymiyah, Ibn Qayyim, and contemporary scholars. The basis of the scholars who forbid it states that gold and silver are tsaman (price, means of payment, money), which cannot be exchanged in installments or installments, because this causes usury. Meanwhile, scholars who say may put forward the argument that gold and silver are goods (sil'ah) that are sold and bought like ordinary goods, and are no longer tsaman (price, means of payment, and money). Meanwhile, in terms of benefits, investing in gold is an investment that benefits investors in the long term.
Analisis Strategi Baznas Provinsi Bengkulu Dalam Upaya Mempertahankan Eksistensi UMKM Dengan Pendekatan Maqashid Syariah Faizah, Nur; Oktarina, Amimah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2720

Abstract

The Covid-19 pandemic that has been going on for the last 2 years has become a global issue, including in Indonesia. In the midst of the COVID-19 pandemic, BAZNAS Bengkulu Province played a role in assisting affected MSME actors by providing training, roles in education, social and humanitarian fields. In this paper, we will discuss the strategy of the Bengkulu province baznas in an effort to maintain the existence of MSMEs with a maqashid sharia approach. By using field research methods and qualitative approaches, the data will be obtained and analyzed through qualitative descriptive analysis techniques. Data obtained through in-depth observation, interviews and documentation. The results show that BAZNAS Bengkulu has several strategies to maintain the existence of MSMEs in the midst of the Covid-19 pandemic, including consumptive and productive strategies, such as the rice ATM assistance, the zakat kyai program and the Immune maintenance program and productive economic assistance for the affected pesantren. from Covid-19.
Analisis Kinerja Keuangan Bank Syariah Dengan Menggunakan Rasio Likuiditas, Solvabilitas dan Efisiensi Nopiantika, Tiara; Asnaini, Asnaini; Indra, Yetti Afrida
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023)
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.v9i1.2603

Abstract

This study aims to determine the financial performance of Bank Muamalat Indonesia using liquidity, solvency and efficiency. this type of descriptive research with a quantitative approach. using secondary data, namely the annual financial statements of Bank Muamalat for the 2017-2020 period. The analysis technique of this research is Microsoft Excel software. The results showed that liquidity using the quick ratio and cash ratio of Bank Muamalat Indonesia's performance was not healthy, while using the loan to deposit ratio and asset to loan ratio the performance was said to be healthy. Solvency financial performance using the primary ratio and capital ratio is said to be healthy, while using the second risk ratio is not healthy. Financial performance with efficiency using cost of funds and an unhealthy levereg ratio, the higher the deposit interest rate, the higher the burden on the bank and the higher the risk of the company failing to pay creditors.

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