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Herlina Yustati
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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 8, No 1 (2023): Islamic economics and banking research" : 9 Documents clear
The Influence of NPF, ROA, CAR and FDR On The Financial Distress Of Sharia Bank in The Indonesia Period 2017-2022 Muannasa, Aulia; Muntazeri, Eliya Najma; Rahmawati, Lilik
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2909

Abstract

This study aims to see how Non-Performing Financing (NPF), Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR), affect Financial Distress with the Altman Z-Score method approach. The sample of this study used a purposive sampling method and obtained 10 Islamic commercial banks in Indonesia for analysis. The data in this study comes from the annual reports of Islamic Commercial Banks. This study will be analyzed with a panel data regression model. The results of this study indicate that the Capital Adequacy Ratio (CAR) has a significant positive effect on financial distress, while NPF, ROA, and FDR have no significant effect on financial distress during the 2017-2022 period.
Peran BMT Syari’ah Jaya Abadi dalam Peningkatan Pendapatan Usaha Mikro di Kecamatan Giri Mulya Kabuapaten Bengkulu Utara Riang, Ade; Isnaini, Desi; Oktarina, Amimah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2910

Abstract

The purpose of this study 1) to determine the role of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. 2) To find out what are the obstacles of BMT Syari'ah Jaya Abadi in increasing micro business income in Giri Mulya District, North Bengkulu Regency. The approach used in this research is non-participant qualitative and descriptive analysis method. Data was collected through direct explanations from the head of BMT Syari'ah Jaya Abadi, Managers and Customers of Syari'ah Jaya Abadi as the unit of analysis for this research. The results of this study indicate that 1) The role of BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely first, fostering an entrepreneurial spirit in the community. Second, being able to suppress the practice of usury in the midst of society. Third, improve people's welfare. 2) The obstacles to BMT Syari'ah Jaya Abadi, Giri Mulya District, North Bengkulu Regency, namely the delay in returning customers' capital money and the large number of customers who have not been able to manage their finances
Gaya Hidup “Frugal Living” Masyarakat Kota Bengkulu dalam Tinjauan Etika Ekonomi Islam Efrianto, Eeng Juli; Suharyono, Suharyono
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.4950

Abstract

Penelitian ini merupakan penelitian lapangan dengan metode kualitatif, yang dilakukan di kota Bengkulu. Informan dalam penelitian ini adalah 100 masyarakat kota Bengkulu, yang diambil dengan metode purposive sampling dengan indikator pengetahuan dan pemahaman mereka terkait dengan isu-isu yang sedang diteliti. Data pada penelitian ini terdiri dari data primer dan data sekunder. Hasil penelitian ini menunjukkan bahwa gaya hidup yang dilakukan masyarakat kota Bengkulu dapat dikategorikan ke dalam gaya hidup frugal living. Gaya hidup frugal living adalah pola hidup hemat extrem dan mengalokasikan uang mereka kepada hal yang lebih penting untuk masa depan seperti menabung dan investasi dengan mengabaikan konsumsi. Masyarakat memilih mengkonsumsi makanan yang murah tanpa mengetahui kebaikan dan gizi yang terkandung di dalamnya, pola konsumsi masyarakat lebih mementingkan variabel kenyang daripada gizi. Masyarakat frugal living lebih memilih untuk tidak berinfak dan bersedekah karena mereka menganggap hal tersebut tidak wajib dilakukan. Setiap tahun, mereka hanya membayar zakat fitrah saja, walaupun harta yang mereka miliki memenuhi syarat dan rukun untuk zakat. Hal ini tentu bertolak belakang dengan etika konsumsi Islam yang mewajibkan umat Islam untuk mengkonsumsi makanan yang halalan tayyiban (halal dan baik), menjauhi sifat kikir, dan memproduktifkan harta.
Zakat Menjadi Instrumen dalam Mewujudkan Stabilitas Perekonomian Asnaini, Asnaini
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2872

Abstract

Zakat that is managed properly and professionally will support the formation of economic conditions that grow with equity, increase productivity accompanied by equal distribution of income and increase employment for the community. Potential as a source of spending in Muslim communities, a source of funds to overcome various kinds of social costs caused by human relations, and able to build economic growth as well as the inclusion of income economic growth with equity. This will indirectly prevent usury practices, create economic cooperation, and social security, and most importantly can lift the economy of weak people which has an impact on maintaining economic stability. This is where the importance of the role of the state in the management of zakat lies, so that economic, social, and educational functions in Zakat obligations can be realized.
Analisis Peran Zakat Produktif di Kampung Zakat Desa Sulung dengan Metode Center of Islamic Business and Economic Studies-IPB Sukmawati, Urai Sulia; Paizal, Muhamad; Srihani, Srihani; Perdana, Wahyu
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2911

Abstract

One of the complex problems in Indonesia that is difficult to solve is poverty.  In Islam, zakat can be used as a solution in poverty alleviation. The Ministry of Religious Affairs together with the National Amil Zakat Agency In 2018 cooperated in organizing zakat villages, initially there were only 7 zakat villages nationwide and Sulung village was selected as the only zakat village in West Kalimantan. In a study entitled Analysis of the Role of Productive Zakat in Kampung Zakat Sulung Village With the CIBEST Method. Researchers aim to examine the role of zakat in improving mustahik welfare, this research is a quantitative study with a Cibest model approach with primary data. The results showed that before the zakat village program, the 7 mustahik were in quadrant 1 which means materially poor but spiritually rich, while the changes obtained after receiving productive zakat, the 7 mustahik families experienced changes, namely 5 mustahik families shifted to quadrant II i.e. spiritual and material well-being.
Pengaruh Promosi, Kemudahan, dan Manfaat Terhadap Keputusan Penggunaan Transfer Shopeepay Mahasiswa FEBI IAIN Ponorogo Wulandari, Felianti Dwi; Ulya, Husna Ni’matul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2873

Abstract

One of the most popular types is e-wallet is ShopeePay. ShopeePay is the first and largest digital payments in Indonesia. ShopeePay continues to add to its product innovations, one of the innovations is the transfer feature to various banks. This study aims to determine the effect of promotion, convenience and benefits on the decision to use ShopeePay transfers for FEBI IAIN Ponorogo students. This research is classified as quantitative research. The population in this study were FEBI IAIN Ponorogo students with a sample size of 100 students, who had used the ShopeePay transfer feature. The sampling technique used Cochran using multiple linear regression analysis methods using the SPSS 25 program. The results showed that the influence of promotion, convenience and benefits had a significant effect on the decision to use the ShopeePay transfer for FEBI IAIN Ponorogo students. Then from the test results the coefficient of determination (R2) shows that perceived promotion, perceived convenience and perceived benefits affect interest in use by 45%, the remaining 55% is influenced by other factors / variables outside this research.
Keputusan Penggunaan BSI Mobile Ditinjau dari Kemudahan, Kemanfaatan dan Keamanan Fitur Layanan pada Generasi Milenial di Wilayah Solo Raya Hasyim, Fuad; Oktaviana, Sherly; Putri, Desila Rosiana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2912

Abstract

The inhibition of literacy regarding Islamic banks has made many millennials in the Solo Raya area still choose to use conventional bank services and have not yet used Islamic bank services.  This study aims to determine the effect of convenience, benefit and security variables on the use of BSI Mobile.  The sampling technique used clustered and random sampling methods.  The population obtained from each region is 1,412,000 people, resulting in a minimum sample size of 107 respondents.  Analysis of the research data using multiple linear regression analysis.  The results of this study show that the convenience and benefit variables significantly influence the decision to use the mobile banking, while the security variables does not affect the decision to use BSI Mobile.
Pengaruh Religiusitas Terhadap Impulse Buying dengan Intensitas Penggunaan Paylater sebagai Variabel Intervening pada Generasi Milenial Hazmi, Faiqul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.2874

Abstract

This study reveals the role of religiosity in influencing of impulsive buying risk. almost of the online shopping provide a paylater feature that helps users to purchase goods with payment at a later date (online debt). The object of this research is the millennial generation. The method used is quantitative using SmartPLS as a statistical tool. The results show that (1) The level of religiosity has a negative effect on impulse buying, meaning that the more religious a person will decreases of impulsive buying behavior; (2) Religiosity has a significant negative effect on the intensity of using paylater, meaning that the more religious a person will decrease behavior of indebtedness through paylater on online shopping; (3) The intensity of using paylaters has a significant positive effect on impulse buying, meaning that debt behavior through paylaters risks increasing impulsive purchases; (4) Religiosity has a significant negative effect on impulse buying with the intensity of using paylater as an intervening variable. This indicates that Religiosity is a variable that negatively affects impulse buying, so that the dimensions in Religiosity can be strengthened, which can reduce wasteful and wasteful lifestyles. caused by impulsive purchases without going through careful purchase considerations.
Semiotika Fraud di Badan Amil Zakat Nasional (BAZNAS) Daerah Hanif, Padlim
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 1 (2023): 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.v8i1.4948

Abstract

Zakat is an instrument that can be a blessing for the universe. Through Zakat, justice and social order are very possible to be realized. Zakat management through Badan Amil Zakat Nasional (BAZNAS) Daerah is one phenomenon that is always interesting to study continuously. Even the phenomenon of Zakat management also experiences various dynamics, both positive and negative. As one of the dynamics that occurs, among others, is the occurrence of fraud in the management of Zakat by certain officials of Badan Amil Zakat Nasional (BAZNAS) Daerah. Of course, this is a very serious blow to the sanctity of the noble values contained in Zakat. Therefore, it is necessary to find out why this can happen. Because even though Badan Amil Zakat Nasional (BAZNAS) Daerah is a non-profit institution, it does not mean that it is not a must to pay attention to its management. In fact, the management of Zakat funds should be supervised more optimally. Just as funds in the banking business can be supervised properly and correctly, it is not impossible that the same treatment can also be applied to Zakat Funds. Given that the existence of Zakat Funds is related to many interested parties who have the right to receive and are obliged to give.

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