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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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Influence of Internal Factors and External Factors on Non Performing Financing in Islamic Commercial Banks Alfakhirah, Nadirah Nur; Jaya, Tiara Juliana
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.v10i1.2398

Abstract

This study aims to see the effect of the variables Return on Assets (ROA), Capital Adequacy Ratio (CAR), Operating Costs and Operating Income (OCOI), Financing to Deposit Ratio (FDR), inflation and Gross Domestic Product (GDP) on Non-Performing Financing (NPF) for Islamic commercial  banks in Indonesia for the 2018-2022 period. This type of research uses quantitative research methods. The analytical tool used is multiple linear regression analysis using E-views version 10 software. The sample in this study is Islamic Commercial Banks in Indonesia. The results showed that simultaneously the variables ROA, CAR, OCOI and FDR had a significant effect on Non-Performing Financing (NPF), while simultaneously, the variables Inflation and GDP did not have a significant effect on Non-Performing Financing (NPF). Partially CAR, OCOI, and FDR have a significant effect on Non-Performing Financing (NPF), whereas ROA, Inflation and GDP have no effect on Non-Performing Financing (NPF). Internal factor variables have an effect of 88.2% on Non-Performing Financing (NPF), while 11.8% are influenced by other variables not examined. External factor variables have an effect of 3.1% on Non-Performing Financing (NPF), while 96.9% are influenced by other variables not examined.
Laporan Keuangan Lembaga Kemanusiaan Merujuk Pada PSAK 109 (Sebagai Kajian Untuk Laporan Keuangan Lembaga Nirlaba Syariah) Yunida Een Friyanti
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.v2i2.586

Abstract

The development of sharia in Indonesia is not only followed by the Islamic financial institutions, but also began ogled by nonprofit organizations. Some humanitarian organizations are also changing its financial statements following the Islamic financial statements, such as Lembaga Amil Zakat has changed into nonprofit financial institution and used SFAS 109 as reference for financial statements, because there is no special provision for Sharia Nonprofit institution. In this article, the author tries to analyze changes in the financial statements which is using the system of Amil Zakat financial statements, and the possibility to do and is able to reflect the activities of the institution instead of Amil Zakat. As a result, the change in reporting format of SFAS 45 and SFAS 109 conducted by the Foundation for Fast Action Response not fully accurate as it needs confirmation on the Foundation certificate in order to purely applying SFAS 109. And the Financial Statements based on SFAS 109 is able to explain the activity of institutions rather than using the SFAS 45 the Foundation for Fast Action Response. It is expected to be input for the report of sharia-profit institutions
Mekanisme Pembatalan Penjualan Instishna dalam Islam Sari, Reonika Puspita
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (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.v7i2.3675

Abstract

This study aims to determine the system of istishna sale and purchase cancellation which is justified according to Islamic law. This is library research which is carried out by collecting data which is then analyzed to solve a problem that is focused on a critical and in-depth study of the relevant library materials. According to the results of the study, the cancellation of the istishna sale and purchase contract is allowed unless it is caused by things justified by syara', for instance, a defect in the object of the contract or does not meet one of the pillars or conditions of the contract. This is by the MUI fatwa No: 06/DSN-MUI/IV/2000. In addition, the cancellation of the contract must be approved by both parties without harming either party. This is confirmed in the Qur'an Surah an-Nisa verse 29.
IMPLEMENTASI TUGAS NAZHIR DALAM PENGELOLAAN HARTA WAKAF BERDASARKAN UNDANG-UNDANG NO. 1 TAHUN 2014 DI KECAMATAN KAUR UTARA KABUPATEN KAUR NILDA SUSILAWATI; ITA GUSPITA
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 2 (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.v5i2.2073

Abstract

Tujuan dari penelitian ini untuk mengetahui implementasi tugas nazhir dalam pengelolaan harta wakaf, dan kendala nazhir dalam pengelolaan harta wakaf. Untuk mengungkapkan kedua persoalan tersebut menggunakan metode lapangan dengan pendekatan kualitatif dengan sumber data primer dan sekunder untuk memberikan informasi, fakta dan data tentang implementasi tugas nazhir dalam pengelolaan harta wakaf dengan melakukan wawancara  kepada 18 nazhir yang menjadi informan . Dari hasil penelitian ini diketahui bahwa: (1) nazhir belum maksimal dalam melaksnakan tugasnya sesuai amanah dalam Undang-Undang Nomor 41 Tahun 2004 yaitu: melakukan pengadministrasian harta wakaf, mengelola harta wakaf sesuai tujuan dan peruntukannya, mengawasi dan melindungi harta wakaf, serta melaporkan pelaksanaan tugasnya kepada Badan Wakaf Indonesia. Yang sudah dilakukan baru pengadministrasian harta wakaf namun tugas lainnya belum dilaksanakan, dan yang sudah mengimplementasikan tugas tersebut hanya 5 orang nazhir dari ke 18 nazhir tersebut, dalam pengelolaan harta wakaf secara produktif belum dilakukan(2) kendala yang dialami oleh nazhir dalam pengelolaan harta wakaf yaitu: kurangnya pengetahuan nazhir dalam pengelolaan harta wakaf, kurangnya sosialisasi dan pembinaan dari pihah-pihak yang terkait seperti KUA dan BWI, terkendalanya biaya pengelolaan.
siklus Kontrak Bursa Komoditas Dalam Presfektif Hukum Ekonomi Islam Efrinaldi Efrinaldi
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 2, No 1 (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.v2i1.1109

Abstract

In futures trading the cycle of contract and types of transactions appear as a pure trade, which reduces the risk to make a profit from the difference between buy-sell, as a result of price fluctuations on the commodity being traded. Price fluctuations are predictable and the transaction begins with an analysis, while risk can be protected. Cycle contracts and the types of transactions in goods that are physical and on the spot market can be tolerated in Islamic economic law. The types of trade (al-tijarah) has been set in Personality ‘, because it forms the transaction on the spot market which has also been tolerated in the time of Prophet Muhammad. Spot market, such as transactions in agricultural products, livestock, minerals, handicrafts, industry, and others. While transactions in services that are non-physical, eg lease (al-Ijara) and wage-hired. While the trade object is basically objects that have economic value to the availability of goods during the transactions. In a review of Islam, this also applies to goods that are not available or without presenting the goods when the transaction, with the provision that ordered the concrete object properties. With concern to ba’i assalam or trading for non exist commodities, in the study of economic law of Islam, depending on the seller’s effective control and ability to deliver. Because no protection for the value of goods traded, and the protection of consumer interests from losses and no disappointments at a later date.
Building Muslim Costumer Loyality in Marketplace Through MDA Framework For Male and Female Millenials Kusumadewi, Rita; Perwiranegara, Agus Alamsyah; Aini, Farihatu
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.v10i2.4766

Abstract

Purpose: Gamification have been widely applied as marketing strategies for sustainable valueadded development. This research have explored the relationships between the gamification components and consumer continuous usage at marketplace’s games.Design/methodology: This research analyzed and comparing behaviour between man and woman, how game elements anda mechanics impact their gaming behavior and awaken positive feelings to increase the stickiness of the marketplace. This research model empirically surveyed 100 (each man and woman) marketplace app users, based on the Mechanics–Dynamics–Aesthetics (MDA) framework.Findings: The results show that the self-challenge is a pre-factor that affects self-benefit, fun, and social interaction, while self-benefit and social interaction affect fun. The results also show that both men and women, they all feel that the games on the marketplace have simple playing rules, making it fun for players to play and win. The results of the hypothesis test show that (1) The MDA Framework variable partially has a positive and significant influence on the Loyalty variable for male game players in the marketplace by 25.71%, and (2) partially has a positive and significant influence on the variable Loyalty of female game players in the marketplace by 26.01%.Practical implications: The empirical implication of this research is to determine the conditions and factors that cause man and woman become a loyal customer of a marketplace.Originality/Value: It's not just the education or entertainment industry that must involve games in its activities, but marketplaces can also build consumer loyalty through games. The contribution of this research focuses on efforts focus on fun activities that can build customer loyalty of the market place
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.
PERILAKU KONSUMEN DALAM PERSPEKTIF EKONOMI ISLAM Suharyono Suharyono
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.v4i2.1216

Abstract

Human Resources in everyday life will never be separated by the fulfillment of needs or consumption. Islamic economics provides a picture and guidance in terms of consumption is justified and required in Islamic teachings that are guided by the rules of Shari'a. An item or commodity which is actually allowed to be used or consumed can be something that can be contrary to sharia depending on the behavior in using the goods or commodities. It can be concluded that consumption in Islam is loaded with spiritual values that indirectly lead consumers to avoid consumptive and keep the benefit is not just pleasure and satisfaction.
Potensi Kontribusi Institusi Pendidikan Islam Terhadap Perkembangan Bank Syariah di Indonesia Asnaini, Asnaini; Oktarina, Amimah
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (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.v6i1.3521

Abstract

Market share of Islamic banking in Indonesia is considered still small when compared to other majority Muslim countries. Currently the Indonesian sharia banking market share is only around 5.7 percent. But so far, the form of support from the Government to strengthen the role of Islamic education institutions in the utilization of Islamic banking in Indonesia is still very minimal. Therefore, this paper will reveal the potential of Islamic education institutions in developing Islamic banking in Indonesia. With the library method, an in-depth study of the topics discussed is conducted. The results of his discussion that the number of PTKIN in Indonesia as many as 58 PTKIN spread throughout Indonesia both UIN, IAIN, and STAIN. To increase the rate of development of Islamic banking, namely the Political Will Government to provide great support in the field of cooperation in Islamic Education Institutions with Islamic banking as a service used for payment traffic and community Break Up Trust towards Islamic banking by directing students especially to become sharia banking customers.
IMPLEMENTASI MAQASHID SYARI’AH SEBAGAI MODEL KEBIJAKAN KESEJAHTERAAN MASYARAKAT PEMERINTAH KOTA MALANG PERIODE 2011- 2016 ANIS NI'AM IMANA
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 2 (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.v5i2.2091

Abstract

This study focuses on revealing the policies of social welfare development by using maqashid syari’ah namely: religion (di<n), reason (‘aql), soul (nafs), descent (nasl), and proverty (ma<l) as a model of regional welfare development in Malang city. The unfulfilled basic rights of economic needs will cause economic problems. The limitation of Human Development Index (HDI) in measuring human’s welfare is deemed inadequae due to the absence of spiritual welfare. This paper will discuss the application of maqashid al sharia as a model of Government’s policy development in Malang City. This study uses qualitative approach with data collect is performed through interviews, observation and documentation. The results of this study indicate that: 1) The public welfare development policies and strategies applied by the Malang Government are: a) The preservation of religion (h{ifz{u al- di>n): forming prosperous, religious and tolerant society, b) The preservation of mind (h{ifz{u al- ‘aql): creating educated society, c) Guarding the soul (h{ifz{u al- nafs): establising clean and healthy society and providing excellent public services, d) Preservation of hereditary (h{ifz{u al- nasl): child and pregnant women’s health counselling, e) Preservation of property (h{ifz{u al- ma<l): Improving regional economic sectors, creating tourism cities and building local infrastructure.

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