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Contact Name
Nonie Afrianty
Contact Email
noniafrianty.na@gmail.com
Phone
+6282282789014
Journal Mail Official
alintaj@mail.uinfasbengkulu.ac.id
Editorial Address
Jalan Raden Fatah Kelurahan Pagar Dewa Kecamatan Selebar Kota Bengkulu. No. Telp: (0736) 51171.
Location
Kota bengkulu,
Bengkulu
INDONESIA
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
ISSN : P2476877     EISSN : E2621668     DOI : https://doi.crossref.org/servlet/home
Core Subject : Religion, Economy,
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
PESANTREN KESEJAHTERAAN: REKONSTRUKSI PERAN SOSIAL-EKONOMI UNTUK KEADILAN SOSIAL Faroni, R Lukman
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (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.v1i1.770

Abstract

Demands a stronger social role directing boarding on expanding its role to create social welfare . Welfare of the students and the community can be achieved through the optimization of leadership functions supported by a network of economic business schools . Al – Ittifaq Boarding schools realize social welfare through a system of collegial business network : kopontren as the core plasma, farmer groups , DKM , and alumni as a standalone plasma . The gift of God's power management based on high trust of the pesantren . As a source and motor of Islamic economics , thereby boarding schools can realize the prosperity that is boarding the welfare of society simultaneously .
Strengthening Leadership and Islamic Work Ethics Through Employee Characteristics in Improving The Function of Risk Management in Bank SUMUT Syariah Fahmi, Muhammad; Tarigan, Azhari Akmal; Sugianto, Sugianto
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.v10i2.3962

Abstract

ABSTRACT   Purpose: The aim of this research is to examine and analyze the influence of leadership and Islamic Work Ethics through employee characteristics in improving the risk management function.Design/methodology: The population in the study used a purposive sampling method, consisting of 190 employees and all of them were used as the research sample. Of this number, 130 were research respondents. The analysis method used is SEM-PLS. Findings: Research findings show that Leadership influences Risk Management, Leadership mediated by Length of Work influences Risk Management, Islamic Work Ethic influences Risk Management, Islamic Work Ethic mediated by Length of Work influences Risk Management. This research recommends that leaders must be able to transform and invite employees to combine work for the good of this world and the hereafter.Practical implications: The Management of Bank Sumut Syariah (BSS) needs to implement Islamic Work Ethics (IWE) for its employees and implement more deeply factors such as justice, work is worship and achieving halal income.. Furthermore, the company organization has carried out Risk Management Certification (SMR) for its serving leaders. However, apart from SMR, BSS needs to consider implementing the ISO 31000 program regarding Risk Management, so that the risk management Originality/Value: The contribution of this research is that the emphasis on the element of religiosity in work is very necessary, because the foundation of Islamic Work Ethics is stronger than leadership. 
Analisis Harga Dalam Praktek Pembulatan Harga Dalam Perspektif Ekonomi Islam Sari, Tita Zurnila; Alfiah, Esti; Pramadeka, Katra
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (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.v9i2.2489

Abstract

The purpose of this study is to determine the mechanism used in determining the selling price and services on Copy Fitri Kel. Nusa Indah Kec. Ratu Agung City of Bengkulu, as well as studying the Islamic economic perspective on the mechanism for setting selling prices and services on Photocopy of Fitri. In order to comprehensively investigate this issue, the researchers used a qualitative methodology to collect pertinent data during the study. Research data collection was carried out through the use of observation and interviews, with the aim of investigating Copy Fitri as a research subject. Research on the analysis of the pricing mechanism and Copy Fitri services reveals that the rounding off price mechanism is ambiguous. However, Foto Copy Fitri uses a fair price approach which is in line with Islamic economic principles. The pricing strategy applied by Copy Fitri is considered reasonable because it does not exploit buyers, and profit margins are maintained at a reasonable level. Fitri's photocopy does not use the rounding price mechanism, while the rest of the rounding is allocated for mosque charity. The round price is an important balance point mutually agreed upon by sellers and buyers, indicating a balance between the forces of supply and demand.
Praktik Utang piutang Dalam Membangun Rumah dengan Sistem “Titip” Dilihat dari Perspektif Ekonomi Syariah Muhammad Ngasifudin; Tri Almunawaroh
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2019)
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.v5i1.1715

Abstract

There is one habit which often carried out by Cimucung Village’s pupil in providing aid, namelygiving a money loan called “titip” system. “Titip” is debt system that helps pupil to buy rawmaterials for building houses. Consequently, the debt is paid by similar raw materials to the lender.This system does not always work well because there are several main obstacles, including noofficial debt agreement. This research aims to (1) investigate agreements that are used in “titip”system; (2) analyze the legal basis of dealing with material and it will be paid by using money; (3)analyze the law of materials payable. This research used qualitative method. Techniques ofcollecting data used observation, interview, and documentation. Menawhile, the data analysed byusing descriptive method. Research outcomes showed that the agreement that used in “titip” systemwas al-qardh. While the lender provided material as loan and the borrowers paid by using moneythen the law is permitted. In addition, if the borrower paid more debt and it was not an agreementthen the law is permitted. Furthermore, while the lender provided money as the debt but they askedthe borrower paid with raw materials then the law is permitted. The law is also allowed byobserving agreements that have been agreed before. On the other hand, when the borrower paid thedebt, there will be no dispute over returns with money or raw material.
Analisis Penerapan Etika Bisnis Islam di Pasar Inpres Palu Nurfitriani, Nurfitriani
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.v6i2.3625

Abstract

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.
PEMIKIRAN EKONOMI ISLAM MONZER KAHF Eka Sriwahyuni Sriwahyuni
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.v3i2.1195

Abstract

The rationale of MonzerKahf is the Qur'an and Hadith, it is this foundation that makes him offer to the Muslim community so that in the economic activities of the state is restored to the principles of the Qur'an and Hadith. His thinking leads to the achievement of socioeconomic justice and detailed theories ..as for his thoughts focused on zakat in various forms. So that a country has the welfare of society with the fulfillment of life needs
Pemahaman Pengelola Tentang Mudarabah dan Aplikasinya Dalam Lembaga Keuangan Mikro Syariah di Jawa Timur Nurohman, Dede
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 1 (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.v8i1.2769

Abstract

This paper aims to determine a comprehention of manager about a mudarabah contract and its application in Islamic microfinance institutions (LKMS). The research method used field research with a qualitative research type. The locus is in Kediri and its surroundings. The research subjects are LKMS managers. The method of sampling is purposive sampling. Data obtained from observations, documentation and in-depth interviews. The results showed that the understanding of the LKMS manager regarding the mudarabah contract had the same understanding as the fiqh literature as stated by the DSN-MUI fatwa. However, the application is different. With the fatwa, LKMS is more careful in distributing its funds. This is because LKMS only acts as an intermediary institution that represents depositors (savers customers) to ensure that the funds are safe and generate profit sharing.
Network Maketing: Analisis Terhadap Pemasaran Jejaring Dalam Penjualan Langsung Berjenjang Syariah Rohimin Rohimin
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 2 (2016)
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.v2i2.589

Abstract

This paper describing the dynamics and development of the marketing system in the tiered direct network sales in Sharia. The main idea of this paper seeks to examine the rules set out in DSN-MUI Fatwa No. 75 on Tiered Direct Networking Sales, will be observed also on the system of Multi Level Marketing (MLM). Both forms of patterns, methods, and this sales system in practice can be justified and considered in accordance with sharia and do not harm the public or causing things that are forbidden when the object of the transaction clearly a product or service, not something that is forbidden or used for something forbidden and it must not contain gharar, gambling, usury, dharar, dzulm, and immorality. Another instrument to note also is the problem of excessive mark-ups (rising prices or excessive cost, granting commissions or bonuses passive and cause ighra ‘(appeal overload). Application of marketing in tiered direct network sale can not be easily termed as sharia if it just hold and guided by the DSN-MUI Fatwa No. 75 / DSNMUI / VII / 2007, but needs to be adapted to the MUI Fatwa DSN other related and a Decree of the Minister of Industry and Trade related issues. Marketing Network in tiered direct network sale and multi Level marketing including marketing practices that could be waged with dynamic multi aqad accordance with the contract required and agreed.
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).
Macroeconomic Impact on Non-Performing Financing in Islamic Banking in 2011-2021 Hidayah, Aldila Nuri; Meylianingrum, Kurniawati
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 2 (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.v9i2.2461

Abstract

This study aims to determine the effect of Gross Domestic Product (GDP), unemployment rate, inflation and debt on non-performing financing in the Middle East, Central Asia, and Indonesia for the 2011-2021 period. This research uses descriptive quantitative research methods. The data used in this study are secondary data with documentation data collection techniques and literature studies sourced from www.imf.org and financial statements. The data analysis technique used is multiple linear regression with Eviews 12 software. The results of this study show that GDP, unemployment rate, and inflation partially have not significant of non-performing financing. Meanwhile, debt has a positive and significant of non-performing financing.