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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 7 Documents
 1 
Search results for , issue "Vol 8, No 2 (2023): Islamic economics and banking research" : 7 Documents clear
Bantuan Dana Hibah Anggaran Pendapatan dan Belanja Daerah (APBD) dan Pengaruhnya Terhadap Kinerja Manajemen BAZNAS di Provinsi Sumatera Barat Elvira, Rini; Yaswirman, Yaswirman; Effendi, Nursyirwan; Devianto, Dodi
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5015

Abstract

This study aims to determine the causal-comparative relationship between the variable of APBD grant funding assistance and BAZNAS management performance. This study involved all BAZNAS in West Sumatra Province selected by total sampling with data sourced from PuskasBAZNAS publication. Simple linear regression analysis tested the comparative causal relationship between the two variables. The research show that the variable of APBDfunding does not affect to the management performance of BAZNAS in West Sumatra Province, but it is influenced by other factors, such as leadership, employees and organisational culture, availability of financial resources, governance, policies and strategies, technology utilisation, muzakki trust in BAZNAS, transparency and accountability, and local cultural values. The implication of this research is as a basis for future local government policy considerations in allocating APBD grant funding assistance, and for BAZNAS efforts to improve the efficiency and effectiveness of BAZNAS in zakat management.
Pengaruh Literasi Keuangan dan Pengelolaan Keuangan Terhadap Kinerja dan Keberlangsungan UMKM di Kota Padang Desiyanti, Rika; Chrismondari, Chrismondari; Romero, Adnan Raja
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5016

Abstract

The study aims to analyze the impact of financial literacy and financial management on the performance and sustainability of micro, small, and medium enterprises (MSMEs) in Padang City. This research is quantitative, and it uses primary data obtained through questionnaires. This research population is an MSMEs perpetrator in the city. Sampling techniques in research use census techniques. Around 150 people participated in the event. The data was processed with SPSS software for Windows version 22. The results of this study indicate that financial literacy has a positive impact on the performance of MSMEs and business sustainability; financial management has positive experience with the sustainability of enterprises; and financial management is consistent with the outcomes of MSMEs.
Pengelolaan Modal Kerja dalam Menjaga Tingkat Likuiditas dan Profitabilitas Pada BMT- Al Hidayah Lombok Timur Arofah, Ainul; Zaenudinmansyur, Zaenudinmansyur; Zulpawati, Zulpawati
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5012

Abstract

This research aimed to determine the working capital management  in maintaining liquidity and profitability levels and how the impact of the policy which has been implemented. This research was descriptive 0qualitative research using primary and secondary data, with data collection techniques namely observation, interviews and documentation of the financial reports from 2019 to 2021. The analysis used was data reduction, data presentation, drawing conclusions, and financial report analysis used the calculation of liquidity and profitability ratios.The results of the research showed that the working capital management policy used by BMT AI-Hidayah in maintaining the level of liquidity, namely establishing partnerships with sharia banks and non-banks, setting cash budgets, and allocating the funds to branch offices, while the policy used by BMT in maintaining its profitability level was distribution in the funding form. The impact of the policy implemented by BMT in terms of liquidity, namely having sufficient funds in its operations to pay the obligations. It can be seen in the ratio calculation from 2019 to 2021. NWC, current ratio, cash ratio  are in a fairly good category. the impact on the profitability side was that BMT has increased revenue and this can be seen in the ROE calcultion which is in the very good category,  while the ROI calcultion is in the fairly good category.
Aspek-Aspek dalam Perbankan Syariah Dan Implementasinya Sari, Dela; Fatayanti, Erika Anjung; Arifin, Redho
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5017

Abstract

There are at least four aspects of Islamic banking: meeting the needs of people who cannot accept the concept of interest, establishing a dual banking system in Indonesia, lowering the systemic risk of financial system failure in Indonesia, and encouraging the role of banking in driving the real sector while limiting speculative or unproductive activities. As a result, the primary goal of Islamic banking is to eliminate interest from all transactions and achieve a fair distribution of income and wealth, justice, the foundation of Islamic financial mechanisms will be able to realize more fair and transparent economic activities, benefits, and balance. As a result, sharia values must be examined from both a micro and macro level.
Peran Asuransi Syariah dalam Menyediakan Perlindungan Finansial yang Islami Siregar, Abed Nego; Endang, Endang; Nababan, Fera Daniaty; Sianturi, Putri Titin; Ramli, Rafli; Tobing, Samuel
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5013

Abstract

This study investigates the development and impact of sharia insurance in Indonesia, the country with the largest Muslim population in the world. The Islamic financial market in Indonesia has great potential because the majority of the population is Muslim. This study analyzes publications and journals in Indonesia that discuss sharia insurance using the literature review method. The research results show that sharia insurance has developed into a contemporary financial company that is able to compete with conventional insurance. Based on the main principles of Islam, such as Aqidah, Al Itu, Prophethood, Khilafah, and Ma'ad, sharia insurance includes products such as life insurance, education insurance, and health insurance. The sharia life insurance business uses tabarru' and mudharabah contracts to manage participant funds, which are invested in accordance with Sharia law. The concept, legal sources, sharia supervision, agreements, ownership and management of funds, premiums, and sources of payment for sharia insurance claims are different from conventional insurance. Through mutual cooperation, investment, and providing financial needs when risks occur, sharia insurance helps build a sustainable sharia economy. However, the economic crisis, capital needs, competition in regional markets, shortage of human resources, lack of public awareness, and product distribution problems are all the problems facing sharia insurance. Further efforts are needed to overcome difficulties and increase public understanding of the importance of sharia insurance.
Efektifitas Penghimpunan Dana Zakat (Studi Badan Amil Zakat Nasional Kota Bengkulu Tahun 2022) Wiwin, Tri; Supardi, Supardi; Pramadeka, Katra
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5018

Abstract

The aim of this research is to determine the effectiveness of collecting zakat funds at BAZNAS Bengkulu City and to find out how effective BAZNAS Bengkulu City's zakat fund collection is. This type of research is a mixed method which is a combination of qualitative and quantitative approaches by calculating a number of ratios related to the collection of zakat funds in 2022 and using descriptive aims to describe the conditions of effectiveness of the collection of BAZNAS zakat funds in Bengkulu City. From the results of this research it can be concluded that: The effectiveness of BAZNAS City Bengkulu zakat fund collection is effective as seen from the effectiveness indicators of Duncan's theory, while from the calculation results of the formula 20 ratio measurement, zakat fund collection is quite effective with a result of 5.18% with an interpretation of 2% < R < 5% so there needs to be an evaluation of the collection of zakat funds so that it is effective and has a wide impact, especially for the people of Bengkulu City.
Pengelolaan Dana Zakat, Infak dan Sedekah (ZIS) dalam Peningkatan Ekonomi Mustahik Putriana, Rista; Wahyuni, Eka Sri; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 8, No 2 (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.v8i2.5014

Abstract

ZIS funds are potential funds that can be used to build community welfare in the form of revolving (productive) funds. Management of ZIS funds is carried out through the Bengkulu Province National Zakat Agency (BAZNAS). It is known that the management of ZIS funds must reach a distribution stage that is productive, empowering and seeks to optimize the potential of mustahik. Distribution of ZIS funds can be carried out through various forms of providing business capital and business equipment to mustahik. BAZNAS issued regulations regarding zakat management through the Republic of Indonesia National Zakat Amil Agency Regulation Number 4 of 2018 concerning Reporting on the Implementation of Zakat Management. The research method used is a descriptive analytical method with a qualitative approach. The results of this research show that: 1) The ZIS fund collection system by BAZNAS Bengkulu Province is carried out using social media and payment of ZIS funds is carried out using an inter-bank transfer system and directly. 2) The distribution of ZIS BAZNAS funds in Bengkulu Province is carried out productively through business program capital (3) Standard monitoring of ZIS funds is carried out by means of a sharia audit which is a report every 6 months. From the results of research by interviewing ten mustahik people, it was found that productive management of ZIS funds can increase mustahik income before and after receiving ZIS fund assistance.

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