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INDONESIA
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 5 Documents
 1 
Search results for , issue "Vol. 3 No. 01 (2021): Desember 2021" : 5 Documents clear
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).
PENGARUH PROGRAM KELUARGA HARAPAN (PKH) TERHADAP PENGENTASAN KEMISKINAN DI KECAMATAN RAMBANG KAPAK TENGAH Rahmadina Putri, Rika; Asriani, Evi
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.v3i01.130

Abstract

This study aims to determine the effect of the family of hope program on poverty alleviation in Rambang Kapak Tengah District. The sample in this study was selected very poor households that received PKH assistance in Rambang Kapak Tengah District, amounting to 110 people. The results showed that the partial test (t test) can be seen the correlation between x and y with a t value of 18.320 while the t table for 110 respondents is 1.65882, while the significant is 0.00 < 0.05, then the hypothesis is accepted. While the results of the r2 determination test show that the value of r square is 0.757 or 75%, then the family program of hope (x) has an effect on poverty alleviation by 75% and the remaining 24.3% is influenced by other variables.

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