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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 197 Documents
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PENGARUH PEMBIAYAAN MUSYARAKAH TERHADAP PROFITABILITAS PADA BANK UMUM SYARIAH (BUS) PERIODE 2015-2017 Auditya, Lucy; Afridani, Lufika
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 2 (2018): 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.v3i2.1541

Abstract

The purpose of this study was to determine the effect of musyarakah financing on profitability in Sharia Commercial Banks in Indonesia for the 2015-2017 period and to find out how much influence musyarakah financing had on profitability in sharia commercial banks for the period 2015-2017. The limitation of the problem of this research is on the profitability of financial ratios ROA (Return On Assets) and ROE (Return On Equity). To disclose these issues in depth and thoroughly, researchers used a quantitative approach with secondary data collection techniques in the form of financial statements of each sharia bank for three consecutive years and provided quarterly financial reports, obtained by 5 Islamic banks to obtain 60 data. The data analysis technique used is simple linear regression using the SPSS version 16. Then the data is described, analyzed and discussed to answer the problems raised. From the results of the study it was found that musyarakah financing had a significant effect on ROA at alpha 5%. This is evidenced by the significance value (Sig.) (0.002) <(α) 0.05. While musyarakah financing has no significant effect on ROE at alpha 5%. This is evidenced by the significance value (Sig.) (0.669)> (α) 0.05.
Event Internasional sebagai Sarana Marketing dan Branding UMKM (Studi pada UMKM Kopi Tjolo Kudus) Rahmatillah, Ja’sy Zhilaal; Karsono, Lorena Dara Putri
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 1 (2024): 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.v9i1.3403

Abstract

This research aims to determine the driving factors, marketing efforts carried out, and the impact both in terms of marketing and branding in utilizing international marketing events at the G20 event for Tjolo Coffee MSMEs. This type of research approach uses qualitative research. The data collection method was carried out by interviewing various internal and external parties from the research object, and documentation. The results of this research show that Tjolo Coffee MSMEs are encouraged to take part in marketing events in the G20 due to factors from the MSMEs themselves and the support from the government. In order for marketing to run optimally, UMKM Kopi Tjolo applies marketing methods such as setting up stands, testers, flyers and business cards. Meanwhile, for product branding purposes, UMKM Kopi Tjolo applies several methods, namely adding the G20 logo to Kopi Tjolo's social media such as on the Website, Instagram, Facebook, WhatsApp and Tik-tok, as well as on employee uniforms, as well as sharing experiences from participating in the marketing of the G20 event in Bali into their social media accounts, and changed the packaging to cans to match export standards. The impact felt after these efforts can expand marketing and improve its image. However, another fact was discovered that from an international perspective it has not had much of an impact
FAKTOR-FAKTOR YANG MEMPENGARUHI KEBIJAKAN PENGUNGKAPAN TANGGUNGJAWAB SOSIAL DAN LINGKUNGAN PADA PERUSAHAAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Herlina, Herlina
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 1, No 2 (2016): 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.v1i2.874

Abstract

Factors That Influence The Policy Of Social Disclosure And Environmental Responsibility In Companies Listed On The Indonesia Stock Exchange. The aim of this study is to examine and provide empirical evidence about the factors that influence the policy of social disclosure and environmental responsibility in companies listed on the indonesia stock exchange, the observation period from 2007 until 2013. The sample obtained by 46 companies with 322 observations. The result  of  hypothesis  test  showed  that  the  size  of  the  company's significant   impacts  on  the  policy  of  social  disclosure  and  environmental responsibility.  The result  of  hypothesis  test  showed  that  the  leverage  had  no significant  impacts  on  the  policy  of   social  disclosure  and  environmental responsibility. The result of hypothesis test showed that  the profitability had no significant  impacts  on            the  policy  of  social  disclosure  and   environmental responsibility.   The   result   of   hypothesis   test   showed   that   the   board   of commissioners had no significant impact on the  policy of social disclosure and environmental responsibility. The result of hypothesis test showed that the size of the  company's  significant   impacts  on  the  policy  of  social  disclosure  and environmental responsibility. The result of hypothesis test showed that managerial ownership had no significantly impacts on the policy of  social disclosure and environmental responsibility. And The result of hypothesis test results  showed that the age of firm had no  significant impacts on the policy of social  disclousure and environmental responsibility.Keyword :   leverage, profitability, board of commissioners, size of company, managerial ownership, age of firm, CSR
Pengukuran Efektivitas Penyaluran Zakat pada Badan Amil Zakat Nasional Provinsi Bengkulu Utama, Indra; Bahri, Efri Syamsul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 6, No 2 (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.v6i2.2805

Abstract

The measurement of Effectivity should be done to describe the capacity of zakat management on distributing zakat fund. This research aims to do the measurement about the zakat effectivity distributed by Badan Amal Zakat Nasional (Baznas) Bengkulu. The effectivity of distribution measured by zakat core principle approach with formula ratio of distribution to collection. Data were taken from Baznas Bengkulu for the period 2016-2019. The result of distributed zakat effectivity level shows that ration ACR 100,16 percent as the highly effective category. The average amount of yearly zakat for the period 2016-2019 is Rp. 3.737.002.758 meanwhile the average amount of yearly zakat is Rp3.742.975.174. Based on the result, Baznas Bengkulu have the sufficient capacity to distribute zakat. Because of that, the result of this reseach is important to encourage Baznas Bengkulu on optimalizing the collection and distribution zakat continously in order to maximize the benefit of zakat for Mustahiq.
PERAN DEWAN PENGAWAS SYARIAH TERHADAP PENETAPAN MARGIN MURABAHAH PADA PT BANK PEMBIAYAAN RAKYAT SYARIAH SAFIR BENGKULU Elwardah, Khairiah; Khayati, Mar’atul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 1 (2018): 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.v3i1.1475

Abstract

The many theories of rejection of margin technique in murabahah financing which is considered to be the same as the practice of fixed interest, are the focus of researcher  to answer the concern and problem about their ability as sharia financing product. Sharia supervisory board\ (DPS) as an extension of the DSN-MUI is known to have the duty and function to oversee the implementation of sharia aspects, including overseeing sharia aspects in the use of margin techniques in murabahah financing products. This study aims to determine the working mechanism of the DPS as well as its role in determining the murabahah margin at PT BPRS Safir Bengkulu. This study uses descriptive qualitative research methods. The results of this study reveal that DPS has carried out a working mechanism by playing a role in the establishment of SRB Safir SOPs and periodic supervision of the implementation of BPRS Safir murabahah financing. DPS did not find any practice of irregularities in sharia aspects in the use of margin techniques on murabahah financing products. It's just that the marketing pattern used by BPRS Safir is to attract the interest of prospective debtor customers, it is known that there is a gap in the indication of the practice of fixed interest so that it needs more attention from DPS to be reviewed again.
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.
IMPLEMENTASI SISTEM PENGENDALIAN INTERN PEMERINTAH (STUDI EMPIRIS PADA SATUAN KERJA PERANGKAT DAERAH KABUPATEN BENGKULU TENGAH) Afrianto, Jamil
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 1, No 1 (2016): 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.v1i1.854

Abstract

This research is quantitative research looking at the implementation of the government’s internal control system of local government performance: the structural official involvement as moderating variable at the official work unit, the District of Central Bengkulu. Data were obtained through questionnaires in 243 officers in all offices of the local work unit the district of Central Bengkulu. The analytical method used is a multiple linier regression by using statistical software. The results showed that the application of the system of internal control in the government agencies working unit in Central Bengkulu proved to affect the performance of official work unit in Central Bengkulu. The Structural official involvement proved to strengthen the implementation of internal control systems in the government work unit of central Bengkulu. The office work unit at Central Bengkulu has implemented the internal control system with good government. Keywords : Intern Government Control System, Structural Official Involvement,Local Government Performance
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.
Pengelolaan Zakat dalam Meningkatkan Kesejahteraan Sosial di wilayah Tertinggal: Analisis Program Kampung Zakat di Besole Tulungagung Bariroh, Muflihatul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 2 (2025): 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.v10i2.7113

Abstract

The optimization of the Zakat Village program in Besole, Tulungagung, becomes a crucial solution in improving education and social welfare for the local community. This study examines the implementation of the Zakat Village program in Besole, Tulungagung, including the challenges faced, as well as the supporting and inhibiting factors for the success of the program. As a social instrument, zakat holds significant potential in community empowerment, particularly in underdeveloped areas. The programs carried out include the provision of scholarships, tutoring, and capital assistance for local-based businesses, which have proven to improve access to education and increase the income of the community. The success of this program heavily depends on solid collaboration between the managers, government, and the community, as well as active participation from all related parties. However, several challenges such as a lack of understanding of productive zakat, reporting responsibilities, and limited funding remain obstacles that need to be addressed. With a participatory approach, it is hoped that the Zakat Village can continue to advance with innovative programs and have a more significant positive impact. It is expected that this study can contribute substantially to the management of zakat as an effective social empowerment tool and enrich the literature on zakat management. The results of this study can serve as a reference for zakat managers in designing more innovative and sustainable programs to improve the welfare of communities in Tulungagung and other regions. 
Analisis Tingkat Profitabilitas Perbankan Syariah di Indonesia Fatmawati1, Nur Lailatul; Hakim, Abdul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 1 (2020): 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.v5i1.2508

Abstract

The ability of banks to generate profitability greatly impacts the growth and development of sharia banking. In maintaining and enhancing the growth of sharia banking, several components, both internal and external, are needed. The low profitability of banks indicates that banks are not good in their performance. Profitability is still something that is always wanted to be improved by Islamic banking because it sees the movement of Islamic banking growth that is still lagging far behind that of conventional banking. will be able to increase profitability. The purpose of this study is to determine the effect of FDR, BOPO, and exchange rates on the level of profitability (ROA). To determine the effect of NPF and interest rates on the level of profitability (ROA). To find out the influence of Mudharabah Financing, musyarakah financing and murabahah financing on profitability (ROA). This research uses a quantitative approach. The type of data used in this study is secondary data in the form of time series data. This study shows that FDR, BOPO, and exchange rates have a negative and significant effect on the level of profitability (ROA). NPF and interest rates have a negative and not significant effect on the level of profitability (ROA). Mudharabah financing, musyarakah financing and murabahah financing have a positive and not significant effect on profitability (ROA).

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