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.
Articles
221 Documents
<![CDATA[MUSYARAKAH MUTANAQISHAH ]]>
<![CDATA[‘Ainul Imronah]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2018) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v4i1.1200
<![CDATA[The expense and finance are products which are issued by sharia financial institutions,includingmusharakamutanaqishah. Musharakamutanaqishah is a form of cooperation between two or more parties for the ownership of goods or assets. This cooperation will reduce the ownership rights of one party while the other party increases its ownership rights. This article is purposed to give knowledge to whom do not understand well about Musyarakahmutanaqishah. The nature of the research is descriptive which used literature study in collecting the data. The technique of Data analysis is used qualitative analysis. The results of the study are the definition, the history and the root of musyarakahmutanaqishah, the provision of musyarakahmutanaqishah law, the terms of the contract, the provisions of the related parties, the criteria of the customer, the financing scheme, the advantages and the weaknesses of Musyarakahmutanaqishah, the ownership of syirkah modality and the ending of syirkah.]]>
<![CDATA[Konsep Mudharabah Dalam Mendukung Umkm di Masa Pandemi Covid-19 ]]>
<![CDATA[Fawahan, Lian]]>;
<![CDATA[Marianingsih, Ita]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (2022) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v8i1.2905
<![CDATA[This study aims to analyze the concept of mudharabah financing in supporting MSMEs during the covid-19 pandemic. This study uses qualitative descriptive that uses literature studies quoted from book journals and relevant websites. The purpose of this study is to provide alternatives for MSMEs in the face of the covid-19 pandemic and help the Indonesian economy as a whole. The result of the study show that mudharabah financing with a revenue sharing system can relieve MSMEs during the Covid-19 pandemic. With the financing of mudharabah MSME actors get capital in the time of the pandemic crisis without being burdened with interest because the concept of Mudharabah is not only about profit sharing but also about for loss, where MSME actors as mudharib and Islamic banks as shohibul maal. Islamic banks with the concept of Mudharabah Muqayyaddah also give directions to MSME actors about businesses that have opportunities in the Covid-19 pandemic. So Islamic bank not only provide capital but also provide education to MSME actors. ]]>
<![CDATA[ANALISIS ANOMALI HOLIDAY EFFECTTERHADAPRETURNSAHAM SYARIAH DI JAKARTA ISLAMIC INDEX (JII) PERIODE 2012-2014 ]]>
<![CDATA[sandi, deni dwi]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2015) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v1i1.765
<![CDATA[A market anomaly techniques that seems contradictory development strategies Market with efficient process. The market efficiently process the anomaly should not occur . In financial theory, known at least four kinds of anomalies in the market. The fourth anomaly is anomalous Company ( anomaly companies ) , or seasonal calendar anomalies ( anomalies calendar / seasonal anomalies ) , anomalous events or Genesis ( anomalous event) and accounting anomalies ( anomalies accounting ) . The holiday effect is the prayer calendar anomaly Part of one important holiday hearts or more calendar contains the holiday effect in which Revenue Shares in the day - Toward the High Holidays much more than the day - a normal day.The issues raised in this research is : how is the stock return of sharia in Jakarta Islamic Index ( JII ) before and after the New Year Holidays Hijri , the Prophet's Birthday , Isra ' Mi'raj , Idul Fitri , Idul Adha and overall Holidays Islam (Islamic Holiday ) . This study propose to analyze the stock return of sharia in Jakarta Islamic Index ( JII ) before and after Holidays Islam (Islamic Holiday ) . Research using quantitative approach . The sample used a number of 10 shares of the population of Jakarta Islamic Index ( JII ) 2012-2014 , they were taken by using purposive sampling.The results of data analysis with Test Paired samples t-test showed that H0 is accepted on Holidays New Year Hijrah , the Prophet's Birthday , Eid al-Fitr , Eid al- Adha and the overall Holidays Islam (Islamic Holiday) in the sense that there is no significant difference between before ( pre- holiday ) and after the Islamic holidays ( post- holiday ) on stock returns JII index 2012-2014 ( holiday effect phenomenon unidentified ) and H0 is rejected on Holidays Isra ' Mi'raj in the sense that there are significant differences between the before ( pre- holiday ) and after the Islamic holidays ( post- holiday ) on stock returns JII index 2012-2014 ( holiday effect phenomenon identified ).]]>
<![CDATA[Pengaruh Kepemimpinan Islami, Komunikasi dan Lingkungan Kerja Terhadap Kinerja Karyawan Pt. Bank Syariah Indonesia ]]>
<![CDATA[Hartini, Kustin]]>;
<![CDATA[Gustama, Dandy Fendra]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2022) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v8i2.3724
<![CDATA[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.]]>
<![CDATA[The Impact Of Human Resource Management Practices and Organizational Culture on Organizational Citizenship Behavior in Indonesian Sharia Banks ]]>
<![CDATA[Putrini, Nadia]]>;
<![CDATA[Satrya, Aryana]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (2023) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v9i2.2464
<![CDATA[The research investigates the effect of Human Resource Management (HRM) practices and organizational culture on Organizational Citizenship Behavior (OCB), with organizational commitment as a mediating factor. The study aims to explore viable solutions and recommendations for improving OCB in Sharia Banks located in the Special Capital Region of Jakarta (DKI Jakarta). This study uses a quantitative approach using a questionnaire survey given to 260 permanent employees who work at Sharia Banks in DKI Jakarta. The collected data were analyzed using SEM-PLS to test the relationship between various variables. The findings of this study revealed that HRM practices and organizational culture have significant direct and indirect effects on OCB through the mediating role of organizational commitment. The results also showed that the proposed model achieved a good model fit, and HRM practices and organizational behavior have an indirect impact on OCB mediated by employee organizational commitment. In addition, the magnitude of the indirect impact of HRM practices was found to be significantly greater than the direct impact.]]>
<![CDATA[ESENSI HUTANG DALAM KEUANGAN RUMAH TANGGA YANG ISLAMI ]]>
<![CDATA[Moh Agus Nugroho]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2019) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v5i1.1711
<![CDATA[Hutang dibolehkan dalam islam, namun hutang dapat membawa seseorang ke surga karena niatnya untuk tolong menolong sesama manusia (hablun minannaas), hutang juga dapat membawa seseorang terjerumus kedalam api neraka manakala tidak dikelola dengan baik. Sehingga hutang menjadi alternatif terakhir bukan yang pertama dilakukan bila keuangan rumah tangga sedang tidak stabil. Pengelolaan keuangan dengan koridor pemenuhan kemaslahatan bisa mengurangi resiko ketidak stabilan keuangan rumah tangga, dengan membuat perencanaan keuangan keluarga yang bertujuan untuk mencapai falah (sejahtera dunia dan akhirat), menghindari cara-cara yang maisir, gharar, riba dan zalim baik dalam mengumpulkan pendapatan maupun dalam membelanjakannya, mengutamakan sadaqah meskipun rizki sedang sempit, dan menjauhi sifat boros.]]>
<![CDATA[Analisis Komparatif Indikator Penerapan Utang Luar Negeri Indonesia Ditinjau Dari Perspektif Ekonomi Islam ]]>
<![CDATA[Subagiyo, Rokhmat]]>;
<![CDATA[Budiman, Ahmad]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v6i1.3553
<![CDATA[Efforts made by the Indonesian government to meet the budget deficit by issuing stimulus policy packages from within the country and abroad. An overseas stimulus package is financing through foreign debt. Indonesia has been practicing foreign debt since before the pre-independence period, the Soekarno government regime, Suharto until the Jokowi regime. The amount of foreign debt until October 2018, USD 310.839 billion. If the state does not have the ability to repay debt, the country's economy will be disrupted. The amount of installments on loan principal and interest has an impact on the burden of the state budget, which will be borne by the community through tax collection. This study aims to compare indicators of the application of foreign debt based on Islamic economic perspectives and the results of field research. This study uses a type of qualitative approach to explain the phenomena that occur. The results of the study show that there are deviations between indicators of foreign debt based on economic perspectives and field research.]]>
<![CDATA[ISU-ISU DINAR DAN DIRHAM ]]>
<![CDATA[Fatma Khalieda]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2017) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v3i1.1164
<![CDATA[Lately there dinars are very active in Malaysia. They argue that if this return is achieved, all modern economic diseases such as inflation, credit, and unemployment will be resolved. M. Syafii Antonio says the current banknote system opens the door to fraudulent acts carried by financial institutions on Wall Street. That we should go back to the golden system where the currency is made of gold and tighten the monitoring system and urge Muslim countries to return to the "Gold Dinar" as a single currency. in this journal discusses the dinar and dirham, its use from time to time, as well as the reasons put forward by some economists against the use of dinar and dirham agreement. conclude that nothing wrong in the use of fiat money as long as it is closely monitored by the government. Because Rasulullah also never justify to keep using the dinar and dirham as currency. Because the use of dinar and dirham does not guarantee will not be inflation.]]>
<![CDATA[Analisis Minat Investasi Gen-Z Terhadap Investasi di Pasar Modal Syariah (Studi Pada Mahasiswa UIN Fatmawati Sukarno Bengkulu) ]]>
<![CDATA[Yustati, Herlina]]>;
<![CDATA[Harpepen, Andi]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2023) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v9i1.2707
<![CDATA[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.]]>
<![CDATA[Islamic Banking and Fintech : Sustainable Collaboration Jel G21, G23 ]]>
<![CDATA[Khudhori, Khairul Umam]]>;
<![CDATA[Hendri, Loni]]>
<![CDATA[ Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2021) ]]>
Publisher : <![CDATA[Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu ]]>
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DOI: 10.29300/aij.v7i2.3666
<![CDATA[This paper aims to conclude the best collaboration form between Islamic Banking and Syariah Fintech which is beneficial for both of them and also beneficial for customer. Descriptive-critical analysis is used in this paper. The analysis began by presenting collaboration forms between Bank and Fintech, then the forms are analyzed to find the most beneficial collaboration form for Islamic Banking, Syariah Fintech and customer.The result shows that the most beneficial collaboration form is collaboration between Islamic Banking and Syariah Fintech to increase financing services. By this form of collaboration, Islamic Banking could use the network of Syariah Fintech to channelize the financing to its customer which is untouchable before. This collaboration needs detail regulation and policy to protect every single entity included in it collaboration.]]>
