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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 221 Documents
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Implementation of Islamic Organizational Culture in Indonesian Islamic Rural Bank Heriansyah, Heriansyah; Sitorus, Iwan Romadhan; Rahmat, Ihsan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
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.v10i2.4635

Abstract

Purpose: This study explains the internalization of Islam into the organizational culture in Islamic banks.Design/methodology: BPR Syariah Maslahat Dana Syariah Nusantara in Bengkulu City was appointed as a single case study. A semi-structured interview technique has been used, in addition to direct observation and several document collections such as bank profiles, meeting minutes, photos of activities, and monthly work recaps. All data were grouped, while interviews and observations were transcribed, coded, and categorized keywords.Findings: This article shows that the internalization of Islam in organizations is carried out simultaneously through written administrative regulations. The activities are congregational prayers at Zuhr time, reading several hadiths after prayer, weekly recitations in the office, reading Yasin’s letter every Friday morning, and monthly recitations carried out alternately at employees’ homes. In addition, several forms of Islamic values are also reflected in many practices: greeting and smiling to customers, speaking according to etiquette to coworkers, and wearing clothes that conform to Islamic standards.Practical implications: We have taken best practices from the implementation of Islamic organizational culture in banks and similar institutions. The culture and values can be modified according to the existing working procedures.Originality/Value: The conceptualization of Islamic organizational culture has been a topic of discussion. However, there is a dearth of documentation regarding best practices in Islamic banking. This study aims to provide insights into the adoption of effective practices at the organizational level within the Islamic banking sector.
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.
PENGEMBANGAN EKONOMI MASYARAKAT MELALUI PEMANFAATAN SUMBER EKONOMI UMAT Nur Alhidayatillah Alhidayatillah; Esti Alfiah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2017)
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.v3i2.1575

Abstract

The economic problems that befell Muslims today are due to our dependence on the capitalist and socialist world economic system. Muslims are in a grip too strong and hard to break away. All sides of the economy are controlled and operated by a capitalist system that does not care about the values to be considered. The capitalist economy justifies all means of getting everything. Capitalism focuses only on income and profit. This condition creates a huge gap in society
Identifikasi Mission Drift Pada Keadilan Jender dan Inklusi Sosial di Lembaga Keuangan Mikro Syariah Hazmi, Faiqul; Utami, Cahyaning Budi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2024)
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.v10i1.2397

Abstract

Islamic Microfinance institutions (IMFIs) their operations are expected to not only consider financial performance, but must accommodate the principles of gender justice, because humans both men, women and people with disabilities are equally as khalifatullah fil ard to manage the earth as God wills. However, several studies show a shift in the mission carried out by IMFIs. This research aims to determine the forms of mission drift that occur at IMFIs, especially Baitul Maal Wat Tamwil in 3 districts in Central Java, District of Jepara, Kudus and Demak. These three regions were chosen because they have different levels of IMFIs development. The research results show that the forms of mission drift that occur include: (1) Differences in the accessibility of financial services based on gender; (2) Changes in IMFIs customer priorities; (3) Product changes that prioritize bankable customers; (4) Increasing of Margin, Ujroh profit sharing portion and costs; (5) Changing the focus of financing to be more profit-oriented. The implication of the results of this research is that MFIs need to mainstream gender by paying attention to the portion of financing and absorbing public funds in a Gender-equity manner by encouraging balance between the portions of men and women. Regulators need to carry out strict supervision so that their commitment to maintaining the IMFIs mission values, apart from that, stimulus to institutions that prioritize gender justice also needs to be provided.
FIQH PROGRESSIVE–ECONOMICS IJTIHAD PARADIGM IN INDONESIA Moh Dahlan
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2018)
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.v4i2.1209

Abstract

Wacana fiqih moderat dan toleran sangat dibutuhkan untuk mengkanter wacana fiqih radikal dan ekslusif yang mengalami perkembangan pada dekade terakhir ini. Oleh sebab itu, pembangunan ijtihad fiqih progresif-kontekstual akan memberikan sumbangan penting untuk membendung arus gerakan radikalisme dan tindakan terorisme yang memiliki jaringan internasional. Hal ini penting bagi umat Islam karena fiqih menjadi pondasi dasar dalam membangun perilaku empiris, sehingga dengan adanya paradigma ijtihad fiqih progresif-kontekstual akan mendorong lahirnya wacana fiqih alternatif yang mampu mendorong kehidupan umat yang harmonis, moderat dan toleran. Dengan demikian, pemberlakuan fiqih tidak mesti dapat menimbulkan diskriminasi sebagaimana dugaan sementara kaum sekularis tetapi justru dapat memberikan sumbangan positif dalam pembangunan kemaslahatan umat manusia baik di kalangan umat Islam maupun umat non-Islam jika diterapkan secara progresif dan kontekstual
Pengembangan Orientasi Pasar Dan Orientasi Kewirausahaan Terhadap Kinerja Pemasaran Usaha Kecil Dan Menengah (UKM) Di Provinsi Bengkulu Novrianda, Herry; Shar, Aan; Arisandi, Debby
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2021)
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.v7i1.2930

Abstract

The purpose of this study is to analyze and determine the development of market orientation and entrepreneurial orientation and their effects on the marketing performance of small and medium enterprises (SMEs) in Bengkulu Province. This research is a descriptive study with a quantitative approach. The sampling method used non probability with judgmental techniques (purposive) with a total sample of 270. The results showed that SMEs in Bengkulu Province had run their business with market orientation and entrepreneurial orientation in good categories. When viewed from the marketing performance, most of them have achieved a fairly good level of performance as well. For this reason, if we look at the influence between variables, market orientation and entrepreneurial orientation have a positive and significant effect at the marketing performance of SMEs in Bengkulu Province. This means that the better market orientation and entrepreneurial orientation, the better marketing performance for SMEs in Bengkulu Province. Thus, the hypothesis which states that market orientation and entrepreneurial orientation have a positive and significant effect on marketing performance for small and medium enterprises (SMEs) can be accepted
Peran Perguruan Tinggi Ekonomi Islam dalam Mempersiapkan Sumberdaya Manusia Syariah Rini Elvira
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2015)
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.v1i2.774

Abstract

The more rapid growth and development of islamic financial institutions (especially the islamic banks) have a positive impact on the increasing need for human resources (HR) sharia. To meet the needs of qualified human resources sharia, professional, and in accordance with the needs and expectations of the Islamic finance industry, required the participation of all parties. One of the parties that have a high contribution is Islamic colleges (PTAI) through the Department of Islamic economics. Department of Islamic economics should play an active role in preparing qualified human resources and professional sharia so as to meet the needs and expectations of the Islamic finance industry. In an effort to produce quality graduates and professionals the Department of Islamic economics can contribute by: (1) Open prgram studies, (2) formulate a curriculum that is appropriate to combine courses that provide knowledge professionalism of economics, finance, banking, business, knowledge of sharia ( law & applications) as well as moral values (faith and morals), (3) Provision of funds development, (4) conduct training that is relevant, (5) the development of research and scientific work, (6) provided facilities for adequate learning; matriculation language, library (complete literature), lab mini bank, (7) the teaching staff of competent and qualified, (8) support programs such as; internships, on-job training.
Effectiveness of Halal Certification Labels on Halal Cuisine at Beach Tourist Sites on Tourists' Customer Satisfaction and Behavioral Intention Novrianda, Herry; Muttaqin, Faisal
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 2 (2024)
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.v10i2.4809

Abstract

Purpose: This study aims to explore the impact of halal certification on tourist satisfaction and behavioral intention. The primary focus is to understand the extent to which halal certification influences the experiences of tourists within the context of halal culinary offerings.Design/methodology: The research employs an experimental methodology, with an experimental design structured as (visual label, textual label) x 2 (halal content warning label, non-label) between subjects. The study involves 120 tourists visiting various attractions across Bengkulu Province. Participants were randomly assigned to different experimental cells, each exposed to distinct stimuli, to assess the effects of halal certification.Findings: The results of the study support all proposed hypotheses. The halal certification label on halal culinary products has a significant positive effect on customer satisfaction. Additionally, the presence of halal certification significantly influences tourists' behavioral intentions.Practical implications: The findings of this research provide valuable insights for policymakers, particularly government authorities, in formulating and enhancing policies related to halal certification and tourism development in Indonesia.Originality/Value: This research contributes to the literature by addressing a theoretical gap concerning the effectiveness of halal certification in the context of halal tourism. The study offers a substantial academic contribution, with implications for policy formulation in the tourism sector.
PERANAN SEKTOR PUBLIK DALAM PEREKONOMIAN SURYADI SURYADI
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2017)
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.v3i2.2211

Abstract

The Role Of The Public Sector In Economy. The government's linkage to improvethe economy of the people is very influential to the community itself, meaning thatthe government can not act if between the government and the people do notsupport each other. Besides, the view of Islam on the role of government in fixingpeople's economy is very much recommended, as happened at the time ofRasulullah SAW.
Optimalisasi Penyelesaian Pembiayaan Bermasalah Pada BMT Kota Mandiri Bengkulu Wardah, Khairiah El
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2020)
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.v6i2.3631

Abstract

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.

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