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BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Published by Universitas Islam Negeri Fatmawati Sukarno Bengkulu
ISSN : 27274163     EISSN : 2654332X     DOI : 10.29300/ba.v9i1.XXX
Core Subject : Religion, Economy, Education,
Religion Economics, Econometrics & Finance Education Other
This journal is an electronic scientific journal focused on advancing knowledge in the fields of Islamic economics and banking. It publishes research articles, theoretical studies, and practical analyses covering topics such as Islamic finance, Islamic banking, halal investment, macro- and microeconomics based on Sharia principles, as well as economic policies aligned with Islamic law. By presenting high-quality scholarly works, Baabu Ilmi aims to serve as a platform for academic discussion and a valuable reference for researchers, academics, practitioners, and policymakers interested in the development of Islamic economics and banking.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 9 Documents
 1 
Search results for , issue "Vol 6, No 1 (2021): Islamic economics and banking research" : 9 Documents clear
Peran Ziswaf dalam Memulihkan Ekonomi Umat Akibat Masa Pandemi Covid-19 Amirudin, Choirul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2754

Abstract

This research was conducted with the aim of providing solutions and the role of one the Islamic economic instruments, namely zakat, infaq, alms and waqf which can be applied in dealing with economic problems due to the Covid-19 pandemic. In conducting research, researchers used a library research approach and content analysis techniques. The results of the research that show that Ziswaf can be a solution and role to restore the economy due to the Covid-19 pandemic are as follows: (1) Make each village an UPZ to maximize zakat (2) maximize cash zakat and productive zakat (3) maximize zakat and infaq management (4) providing educational assistance for students affected by Covid-19, which is prioritized forstudents majoring in sharia economics so that in the future they can educate the public about Islamic economics.
Analisis Efisiensi Kinerja Keuangan Lembaga Amil Zakat (LAZ) Rumah Zakat Indonesia dengan Metode Data Envelopment Analysis (DEA) Sidang, Nur Khaerat
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2755

Abstract

Poverty in Indonesia is a very difficult problem to overcome. Therefore, one of the efforts to overcome poverty is the empowerment of the potential for zakat, infaq and alms (ZIS). However, the implementation of receipt and distribution of ZIS is still not optimal. This study aims to measure the level of efficiency of the financial performance of the Zakat Management Organization (OPZ), namely the National Zakat Management Organization (LAZ). The population in this study is the national level Indonesian Zakat House for the period 2010-2019. The factors that cause the Indonesian Zakat House to experience inefficiency as well as the policies that will be carried out by the government and the Indonesian Zakat House to improve performance or better governance. The analytical tool used non-parametric quantitative methods, namely Data Envelment Analysis (DEA) with a production approach using DEAP 2.1 software. The type of data used is secondary data in the form of financial statements of the Indonesian Zakat House for the period 2010-2019. There are two variables used in this study, namely the input variable and the output variable. The input variables in this study were operational costs, personnel costs and socialization costs, and total assets, while the output variables in this study were total ZIS funds received and ZIS funds disbursement. This study uses 2 assumptions, namely Constant Return to Scale (CRS) and Variable Return to Scale (VRS). Based on the results of research carried out with the Data Envelopment Analysis (DEA) method, it was found that the performance of Rumah Zakat Indonesia experienced efficiency in 2010, 2011, 2012, 2013, 2014, 2017, 2018 and 2019, namely 100% and Rumah Zakat Indonesia experienced inefficiency, namely in 2015 amounting to 98.1% and in 2016 amounting to 99.5%. Efficiency occurs because the actual value is not the same as the target value set by the DEA.
Penilaian Kesehatan Bank (Studi Pada PT. Bank Muamalat Indonesia, Tbk. Tahun 2016- 2019) Permata, Citra Puspa
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2749

Abstract

This study aims to determine the financial health of PT. Bank Muamalat Indonesia, Tbk from four aspects in RGEC which is Risk Profile, Good Corporate Governance, Earnings, and Capital. This research is a descriptive study with a quantitative approach. The main data of this study comes from the Annual Report of PT. Bank Muamalat Indonesia, Tbk. from 2016 to 2019, the so-called secondary data were analyzed using the RGEC method. The results showed that in the period 2016-2019, the risk profile aspect of PT. Bank Muamalat Indonesia with the NPF and FDR Indicator on average is in a healthy financial condition, but the CR indicator showed unhealthy financial conditions. The GCG aspect using self-assessment showed a fairly healthy financial condition, the earnings aspect. with NOM, ROA and average ROE showed unhealthy financial conditions, as well as the capital aspect with average CAR and PR ratios is in very healthy financial conditions.
Minat Menggunakan E-Wallet pada Generasi Milenial dengan Pendekatan UTAUT (Unified Theory of Acceptance Use of Technology) Damayanti, Sindi Livia; Yani, Yepi; Asnaini, Asnaini; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2756

Abstract

This study aims to examine the influences of the factors contained in the UTAUT theory to the interest in using e-wallets for the millennials. This study used the analysis of Structural Equation Modeling (SEM) with SmartPLS software. The sample used is 100 millennials respondent in Kota Bengkulu. The sampling technique used was purposive sampling. The purposive sampling is used because this study requires certain criteria such as the age of the respondents in the birth range 1981-2000, using an e-wallet and live in Kota Bengkulu. The data collection technique used google form questionnaire and shared to millennials through social media such as WhatsApp, Instagram, and Facebook. The results of this study indicate that three of the factors in the UTAUT tested consisting of business expectations, social influences, and facility conditions have a positive and significant influences to the interest of the millennials to use e-wallets in Kota Bengkulu, while the performance expectation factor does not have a positive and Significant influences to millennials interest in using e-wallets in the Bengkulu City
Implementasi Pembiayaan Manindo Grameen Syariah dengan Akad Murabahah pada Koperasi Mitra Manindo Cabang Panyabungan Jureid, Jureid
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2750

Abstract

Manindo Grameen Syariah (MGS) product is a non collateral financing product forKoperasi Mitra Manindo customers. It is a solution for the poor in obtaining business financing. Koperasi Mitra Manindo adopts the Grameen Bank system and combine it with a murabahah agreement to make it easier for poor women to obtain Startup Capital. This study used a qualitative approach with descriptive analysis by describing the actual information obtained from the respondents. Data collection techniques are through documentation, observation and interview with interviewess in order to produce in-depth and objective data. The results of this study conclude that in implementing Murabahah financing, Koperasi Mitra Manindo does not provide goods as Murabahah objects but provides money without using the wakalah contract as a complement to the contract. In this case, Koperasi uses a mudharabah financing scheme with a murabahah contract but it still causes damage to the contract due to the absence of object objects. Manindo Grameen Syariah financing with a murabahah contract carried out by the Manindo Mitra Cooperative is not in accordance with the murabahah principle, particularly about the object of goods (mabi '), Koperasi Mitra Manindo is supposed to act as a seller does not have goods to be traded but only provides money as business capital for its members.
Analisis Pengaruh Layanan Digital Perbankan Syariah terhadap Literasi Keuangan Syariah Generasi Milenial Yasin, Rozaq M.; Lailyah, Nurzahroh; Edris, Mochamad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2761

Abstract

Good financial literacy, especially in the digital era now is important to be understood by millennials. The digitization of Islamic which is able to provide more efficient, safer, faster financial products and the risk of losing money is less well understood by this generation. Islamic digital banking services like mobile banking and internet banking, which describe the virtual process to support all services, are expected to be able to significantly increase the level of Islamic banking literacy and have a positive impact on business growth in general. This study used a quantitative descriptive research design. The sampling method used purposive sampling method. Data was obtained by using questionnaire which was distributed to 100 millennial respondents who used m-banking or i-banking in Kudus. The answers to the questionnaire were measured using a rating scale, then data was analysed by multiple linear regression. The results showed that m-banking and i-banking had a significant and positive effect to the literacy of millennials about Islamic banks in Kudus. It was proven by a significance value of 0.000 (p <0.05). The R-square value is 0.775, which means the contribution of the influence provided by mbanking and i-banking services to millennials Islamic financial literacy in Kudus is 77.5%, while the remaining 22.5% is influenced by other variables.
Analisis Pembiayaan Mudharabah Bank Pembiayaan Rakyat Syariah Terhadap Nonperforming Financing di Indonesia Tahun 2015-2020 Andiman, Andiman; Widardjono, Agus
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2751

Abstract

This study aims to analyze the effect of the type of financing on the Non-PerformingFinancing (NPF) of Islamic People's Financing Banks in Indonesia for the 2015-2019period. The research method used is panel data regression with the Fixed Effect model as the recommended model based on the results of the model selection test. The results showed that the Log Mudharabah variable had a negative effect on the Non Performing Financing of Islamic Rural Banks. Mudharabah Log, Non Performing Financing
Optimalisasi Fintech Syariah Sebagai Agen Investasi Sukuk Negara Trimulato, Trimulato
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2811

Abstract

The development of the Islamic finance industry has provided a variety of Islamic financial products. Islamic finance is not only limited to products in Islamic banks. Currently, Islamic financial products have developed, including the presence of Sukuk Investment products. The existing Sukuk consist of state Sukuk and corporate Sukuk. In the marketing process, state Sukuk is still dominated by conventional financial institutions, even though Sukuk itself is a product of Islamic finance. one of the Islamic financial institutions as a Sukuk agent can go through sharia fintech. The purpose of the study was to determine the development of state Sukuk and the development of sharia fintech institutions. and to find out the optimization of sharia fintech as a state Sukuk investment agent. The research method used in this research is qualitative. The data source used is secondary data. The data has been presented by the Financial Services Authority (OJK) and the Directorate General of Financing and Risk Management (DJPPR) of the Ministry of Finance. The data analysis technique used in this study is descriptive qualitative, which describes the development of state Sukuk products, as well as the development of sharia fintech peer-to-peer lending (P2P) sharia, as well as forms of optimizing sharia fintech as a selling agent for state Sukuk products. The results of this study show that the development of state Sukuk of the SR type in 2019 reached 46.07 percent and ST type reached 8,436,570,000,000. As for the development of sharia fintech, sharia fintech assets amounted to 50,591,727,786 rupiahs or 1.4 percent of the total fintech assets as a whole. The number of fintech that has been registered and licensed at the OJK is 161 companies, and 7.5 percent are sharia fintech or 13 companies. Optimizing sharia fintech as a state Sukuk investment agent needs to be done, by involving sharia fintech as Sukuk. Reversing the essence of Sukuk as a sharia product can be obtained through sharia fintech, to be more convincing. The character of sharia fintech by utilizing technology can provide access to state Sukuk sharia investment.
Pemikiran Ibnu Khaldun Tentang Kebijakan Fiskal Khusus Pajak dan Relevansinya Dalam Menghadapi Resesi di Indonesia Sukmalia, Dwita; Saputri, Ida Yuliana; Hak, Nurul; Oktarina, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 1 (2021): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v6i1.2762

Abstract

Ibn Khaldun is an Islamic scholar with various works, especially in the muqaddimah book which explains the principles of taxation. According to Ibn Khaldun, the imposition of low taxes on the people will make the people more incentivized to do business and develop the business world. On the other hand, the imposition of high taxes on the people will be reluctant to pay taxes so that the production done by the people will decrease and affect the tax revenue itself. The purpose of this study was to determine the relationship between Ibn Khaldun's theory and the current downturn in economic growth. This research method is library research research with a descriptive qualitative approach with the data source used is secondary data consisting of the book "muqaddimah" and other theories derived from books, journals, and official websites that are relevant to the research. The data that has been collected is analyzed using the Content Analysis Method. This study concludes that Ibn Khaldun's thoughts are very relevant when applied in facing the recession in Indonesia

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