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LA RIBA: Jurnal Perbankan Syariah
Published by Institut Agama Islam Al-qur'an Al-ittifaqiah Indralaya
ISSN : -     EISSN : 27747336     DOI : https://doi.org/10.53649/lariba
Core Subject : Economy,
Economics, Econometrics & Finance
This journal focuses on the development and dissemination of research in the field of Islamic finance and banking
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 75 Documents
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FUNGSI UANG DALAM PANDANGAN ULAMA Ahmadan , Darsi
LA RIBA: Jurnal Perbankan Syariah Vol. 2 No. 02 (2021): Juni 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v2i02.14

Abstract

Money is the driver of the economy, with money economic activities, both production, distribution and consumption will run smoothly. Some people think that the money they currently have is a full right for them, so they use it arbitrarily, some even keep it unproductive. This study aims to explain how the function of money according to Islam and how the Messenger of Allah gave an example to use money. This type of research is library research and uses data collection techniques by collecting books, journals, and previous works related to money. The data collection technique that the researcher uses is documentation and uses qualitative data analysis techniques. All of the collected data were analyzed by means of deductive thinking. According to the results of the study, the function of money according to Islam is divided into public goods, where money is considered as the property of the community, it should not be privately owned (private goods), Islamic economics prohibits the owner of money from holding or hoarding. The money is in excess with an unnatural amount and is allowed to settle unproductively, but it must be used for economic activities, the money must be enjoyed by the whole community. While the flow concept is the concept of flowing, namely money must flow and rotate in economic activity, used in real sector investment and various contracts that have been exemplified by the Prophet Muhammad, such as: mudharabah, musharaka, wadiah and others.
PENGARUH MERGER BANK SYARIAH INDONESIA DALAM PEREKONOMIAN MASYARAKAT INDONESIA Hidayani
LA RIBA: Jurnal Perbankan Syariah Vol. 2 No. 02 (2021): Juni 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v2i02.16

Abstract

In economic development, especially in Islamic finance in Indonesia, it is still very high and has great potential because of the Indonesian population, capital market, sharia hospital, hotel, tourism, halal food, fashion, and much more. Especially in Islamic banking, as recently as February 2, 2021, Indonesia was mostly Muslim. The Islamic economic sector in Indonesia includes Islamic banking, non-bank finance already owns Bank Syariah Indonesia (BSI), the result of the merger of three state-owned banks (BUMN), especially in dealing with conventional banks. It is expected to be a bright prospect for the world of Islamic banking in Indonesia.. Observers assess that this target can only be achieved if the participating banks can consolidate well and transform digitally on a massive scale. The research method used in this paper is qualitative where the authors seek data through direct interviews with customers.. With the merger, it is hoped that it will open up many new opportunities for Indonesian Islamic Banks.. Because each of the merged Islamic banks already has qualified capabilities or different potentials in their fields so that it will strengthen BSI's position in the future.
ANALISIS DAMPAK PANDEMI COVID 19 BAGI RASIO LIKUIDITAS BANK BUKOPIN SYARIAH Khotimah, Itsnaini Chusnul
LA RIBA: Jurnal Perbankan Syariah Vol. 2 No. 02 (2021): Juni 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v2i02.17

Abstract

This study aims to describe the results of the comparison of liquidity ratios at Bank Bukopin Syariah from 2018, 2019 and 2020. Where in 2018 and 2019, the Covid 19 pandemic has not occurred and in 2020 the Covid 19 pandemic has occurred. The author wants to know whether a pandemic has occurred. Covid 19 has a significant impact on the liquidity ratio of Bank Bukopin Syariah. The author uses descriptive qualitative research methods based on the theory obtained through literature study. The results of this study indicate that there has been a decrease in the three liquidity ratios from 2018 to 2019 and 2019 to 2020. Even though the decline that occurred was not too significant and made Bank Bukopin Syariah declared in poor condition in 2020 because of the three ratios are below average standard. So the Covid 19 pandemic that occurred in 2020 had an influence on the liquidity ratio factor of Bank Bukopin Syariah even though Bank Bukopin Syariah was still able to carry out its obligations to pay current debts and the Covid 19 pandemic did not affect the performance and ability of Bank Bukopin Syariah.
PENGARUH LAPORAN KEUANGAN TERHADAP HARGA SAHAM (STUDI LITERATUR REVIEW) Novitasari
LA RIBA: Jurnal Perbankan Syariah Vol. 2 No. 02 (2021): Juni 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v2i02.18

Abstract

This study aims to determine whether investors consider financial statement information in making decisions related to stocks. The research uses a literature review study method, where the researcher collects several journals related to the discussion in the research. (ROE), Debt Equity Ratio (DER), Current Ratio, not all studies show that financial statements are able to influence stock prices on the Stock Exchange. This is because there are a number of basic factors that can cause stock prices to rise or fall. In general, these factors are classified into internal factors and external factors. Internal factors are factors that arise from within the company. While external factors are factors that come from outside the company. This factor is arguably difficult to overcome. For example, there are problems related to macroeconomics. Of the two factors, external factors are more dominant in influencing stock prices.
ANALISIS LAPORAN KEUANGAN KOPERASI DITINJAU DARI SK MENKOP DAN UKM RI NO. 06/PER/DEP.6/IV/2016 GUNA MENINGKATKAN TINGKAT KESEHATAN KEUANGAN (STUDI KASUS PADA KOPERASI KREDIT SENTOSA PALEMBANG) Astuti , Nova Tri; Utami , Puspa
LA RIBA: Jurnal Perbankan Syariah Vol. 2 No. 02 (2021): Juni 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v2i02.19

Abstract

The Palembang Sentosa Credit Cooperative is one of the cooperatives in the city of Palembang and has 1,525 members. Where during its development experienced ups and downs. In this thesis the author discusses how the level of cooperative financial performance and its development in 2016 and 2017 if assessed based on aspects guided by the Decree of the Minister of Cooperatives and SMEs RI No.06/Per/Dep.6/IV/2016 which consists of 7 aspects, namely aspects capital, productive asset quality aspect, management aspect, efficiency aspect, liquidity aspect, independence and growth aspect and cooperative identity aspect. As we know that financial statements are very important in making a decision. The results of the study after calculating the 7 aspects of financial performance assessment at the Sentosa Credit Cooperative (KOPDIT), it appears that the level of the Sentosa Credit Cooperative's financial performance in 2016 was in the fairly healthy predicate and in 2017 the Sentosa Credit Cooperative's financial performance level remained at the moderate predicate. healthy. For 2016 the score obtained was 72.55 and in 2017 the score decreased to 67.40. Thus, the development of the level of financial performance of the Sentosa Credit Cooperative in 2016-2017 decreased by 5.15% but was still in a fairly healthy predicate.
DEVELOPMENT OF DIGITAL INNOVATION IN FINANCE Herlina
LA RIBA: Jurnal Perbankan Syariah Vol. 3 No. 01 (2021): Desember 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v3i01.20

Abstract

Humans are always struggling with various needs and necessities of life, sometimes requiring them to interact with financial institutions, especially business people. Limited knowledge and access to bank has caused this community to become entangled in loan sharks. Contextual digital innovation to a new innovation is a solution that can change new services. Digital innovation is formed from technology made by a company to answer existing problems so as to create new products. Development of Digital Innovation in Islamic Bank Financing Communication and information technology developed rapidly in the Industrial Revolution 4.0 era which had a positive impact on the development of digital innovation in Islamic financial institutions. The purpose of this study is to determine the extent to which the development of digital innovation at Bank Rakyat Indonesia Syariah touches the wider community and meets financing targets as well as explores the negative impacts and handling of existing digital applications. This research method uses a qualitative approach with descriptive and semi-explorative levels of explanation, taking data through literature, mass media, social media and structured interviews as well as open discussions with informants. Data collection using non-participant observers. The results of the research are expected to be able to improve the digital application that is being used to attract financing at Bank Rakyat Indonesia Syariah which has merged into Bank Syariah Indonesia so that it can be more useful and safer in use, especially during this pandemic. Improvements in accelerating financing decisions that are more thorough, accurate and efficient by using standard and standard processes and approvals. The conclusion of this research is more directed to the improvement of application implementation and usage patterns in society.
ANALISIS PENGELOLAAN DANA MUDHARABAH BERDASARKAN PSAK 105 PADA PADA BMT INSAN MULIA PALEMBANG Susanti, Eva
LA RIBA: Jurnal Perbankan Syariah Vol. 3 No. 01 (2021): Desember 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v3i01.21

Abstract

This study aims to determine how the management of the Mudharbah System funds based on PSAK No. 105 on BMT Insan Mulia. This writing uses a quantitative descriptive method through observation, interviews and documentation studies. So from this research, findings indicate that the management of mudharabah funds is based on PSAK No. 105. Berkah Savings are deposits that use Mudharabah contracts, customers are not only limited to depositing funds, but also allow the BMT to manage them in order to achieve profits. The profits are divided between the BMT and the members according to the contract. The profit or profit is distributed every month according to the agreement, as for the profit-sharing ratio on Berkah deposits between customers and BMT is 10:90, Qurban deposits are deposits that use Mudharabah contracts, customers are not only limited to depositing funds, but also allow BMT to manage them in order to achieve profit. The profit is divided between the BMT and the customer according to the contract. The profit or profit is distributed every month according to the agreement, as for the profit-sharing ratio on Qurban deposits between customers and BMT is 30:70, Education Savings are deposits that use Mudharabah contracts, members are not only limited to depositing funds, but also allow the BMT to manage it in order to achieve profit. The profit is divided between the BMT and the customer according to the contract. The profit or profit is distributed every month according to the agreement, while the profit sharing ratio on Education savings between customers and BMT is 30:70, Term Deposits are deposits that use Mudharabah contracts, members are not only limited to depositing funds, but also allow BMT to manage it in order to achieve profit. Deposit funds can be withdrawn after the deposit period has expired or is due, i.e. options of 3 months, 6 months, 9 months, up to 12 months, with the profit-sharing ratio between the customer and the BMT is 40:60 (for those 3 & 6 Months) and 45:55 (for 9 and 12 Months).
PERAN BAITUL MAAL WA TAMWIL DALAM MENGURANGI PRAKTIK RENTENIR DI ERA NEW NORMALI LIFE Ratna
LA RIBA: Jurnal Perbankan Syariah Vol. 3 No. 01 (2021): Desember 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v3i01.22

Abstract

The phenomenon at this time there are still many people who are entangled in loan sharks and online loans in the midst of the development of bank and non-bank financial institutions. Majority traders in the market, have limited capital so that when they have to increase capital in order to maintain business activities often still rely on the existence of loan sharks. Given this, the role of financial institutions becomes important to channel their credit to entrepreneurs who need additional capital, lending institutions are clearly needed by small entrepreneurs such as traders in the market. Baitul Maal Wa Tamwil (BMT) as one of the Islamic MicroFinance Institutions that can play a role in helping to increase small micro businesses. The method used in this study is qualitative with a descriptive approach to the role of BMT in reducing the practice of loan sharks in the new normal life era.
PENGARUH INFLASI DAN NILAI TUKAR RUPIAH TERHADAP PERGERAKAN HARGA SAHAM PADA INDEKS SAHAM SYARIAH INDONESIA (ISSI) Hairunnisa; Maysaroh, Siti; Melati
LA RIBA: Jurnal Perbankan Syariah Vol. 3 No. 01 (2021): Desember 2021
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v3i01.23

Abstract

To move towards a more advanced economy, a sufficiently high economic growth must be supported by a low inflation rate and a stable exchange rate. Meanwhile, the main source of the increase in the financial balance is estimated to still be contributed by an increase in foreign direct investment (FDI). The development of the Indonesian Islamic capital market began with the issuance of Islamic mutual funds in 1997. However, the development of the Islamic capital market until the end of 2015 had not yet reached a significant share in the capital market industry. The approach used in this research is a quantitative approach. The statistical test used in the analysis is the multiple linear regression method. Inflation has a negative effect on the Indonesian Islamic stock index. The significant value is 0.0000 while the rupiah exchange rate has a positive influence on the Indonesian sharia stock index. The significant value of the rupiah exchange rate is 0.0006. The result of this test is that the probability value of F is less than , which is 0.000000 < 0.05. The conclusion of this study is that the inflation rate partially has a significant effect on stock price movements on the Indonesian Sharia Stock Index (ISSI), the rupiah exchange rate partially has a significant effect on the Indonesian Sharia Stock Index (ISSI) and simultaneously, the inflation rate and the rupiah exchange rate. significant effect on the Indonesian Sharia Stock Index (ISSI).
PEMIKIRAN IBNU KHALDUN TENTANG KETENAGAKERJAAN DAN RELEVANSINYA DI INDONESIA Ahmadan, Darsi
LA RIBA: Jurnal Perbankan Syariah Vol. 3 No. 02 (2022): Juni 2022
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v3i02.120

Abstract

Ibn Khaldun's thoughts on employment and its relevance in Indonesia”, with the background of the problem, namely, the enactment of Law Number 13 of 2003, is part of the government's grand scenario to organize and negotiate common interests between employers, workers and the government. If companies have an interest in capital development, workers have an interest in increasing income, then the government secures the macro economy. Because without conducive conditions, the economy of a country will be shaken. Ibn Khaldun was a Muslim scientist who had many thoughts in various fields such as economics. In his economic sub-study on employment, which is contained in Muqadimah's book on the theory of value, division of labor and international trade, the law of supply and demand, consumption, production, money, trade cycles, public finance, and several macroeconomic discussions. The type of research is library research. The type of data used is primary data, namely all of Ibn Khaldun's works that discuss employment, both implied and explicit, as well as data on employment in Indonesia. While secondary data is related to formal objects and enrichment that discusses employment in Indonesia. From the results of the researcher's analysis, it is known that, firstly, Ibn Khaldun's rationale for the emergence of the employment system because, to meet basic personal (dharuri), secondary (hajiyyah) and tertiary (tahsinat) needs, as well as to meet the needs of many people (subjective mass), is called " tamawwul” (company). then for that humans to meet personal needs and many people have to produce en masse, the more needs, the more they produce, the more alliances (employment) arise, this is because what drives humans instinctively to work, because they work as human intermediaries to get what they want. that God created. Second, the main points of Ibn Khaldun's thoughts on employment are that the concept of thought starts from production, namely one of the factors is labor, with its elaboration; there are three levels of division of labor, namely the community, industry and international levels. Next is the demand and supply of labor, labor wages, expansion of job opportunities, competence and technology. Third, Based on these points of view, it can be concluded that Ibn Khaldun's thoughts have relevance to employment in Indonesia today. The relevance is found in the constitution or positive law of Indonesia in Article 33 of the Basic Law (UUD) article 33 and Law Number 13 of 2003 concerning employment, namely first according to Khaldun about the nature of labor as mutualism, while in the Indonesian constitution it is reflected in the Constitution. Article 33 paragraph (1). Second, work competence at the community, industrial and international levels, in Indonesian regulations is regulated in law number 13 of 2003 articles 9, 10, 11, and 12. Third, expansion of job opportunities in Indonesian regulations is regulated in law number 13 of 2003. 2003 articles 39, 40 and 41. Fourth, the salary of Khaldun's workers is the benchmark for meeting basic living needs (dharuri) while Indonesian regulations adhere to the principle of meeting the needs of a decent living (KHL).

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