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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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Implementasi Teknologi Biometrik Pada Mobile Banking Bank Syariah Indonesia (Studi kasus pada Bank Syariah Indonesia KC Bengkulu S Parman 1) Putriana, Anggita
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 9, No 2 (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.v9i2.6894

Abstract

This research aims to determine the implementation of biometric technology in Mobile Banking at Bank Syariah Indonesia (case study at Bank Syariah Indonesia KC Bengkulu S Parman 1), as well as to find out what are the benefits of mobile banking in implementing biometric technology. This research uses a qualitative descriptive method, the data sources are primary and secondary data. Data collection techniques include observation, interviews and documentation. The research results show that this research applies biometric technology, especially the use of fingerprints, in the BSI Mobile Bank Syariah Indonesia application. Findings show that this technology increases transaction security and user convenience by reducing the risk of identity theft and fraud and enabling fast and easy access without the need for complex passwords. As well as the benefits of mobile banking with biometric technology at Bank Syariah Indonesia. Fingerprint integration in authentication increases transaction security, ensures fast access, and protects user data. BSI Bank provides education about transaction security. These findings show that the application of biometric technology strengthens user security and comfort in digital banking services, confirming BSI's commitment to innovation and customer satisfaction.
Memahami Peran Platfrom Jejaring Sosial Media dalam Mengatasi Tantangan Perbankan Syariah Widya Anggraini, Kirana; Hak, Nurul; Sumarni, Yenti
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (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.v10i2.8418

Abstract

Islamic banking in Indonesia continues to experience significant growth, but still faces various challenges, especially in competition with fintech and conventional banks, compliance with sharia principles in digital innovation, and low customer digital literacy. Social networking platforms have great potential to help overcome these challenges by increasing financial inclusion, building trust, and expanding the marketing reach of Islamic banks.
The Relationship Of Knowledge On The Perception Of Economic Development Zakat Based (PEZ) Asnaini, Asnaini; Hilmi, M. Izdad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 2 (2019): 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.v4i2.2450

Abstract

This study aims to examine the relationship between knowledge about zakatalerts maal to the perception of economic development based on zakat funds. This research uses simple regression analysis. The study was tested on 30 respondents in the city of Bengkulu using two questionnaire models. Namely tests for knowledge and scale 1-5 for perception. From the results of the analysis note that the variables are positively related. The regression equation of X to Y is Y = 60.489 + 1,176X1.The implication of the results of this study is the importance of continuing BAZNAS socialization to increase public knowledge and understanding of zakat alerts and the need for concrete efforts from the government and related parties in improving the performance of the National Zakat Board (BAZNAS) to foster public trust in zakat management by institutions BAZNAS so that his perception of economic development based on zakat funds is getting better and optimistic.
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.
JUAL BELI EMAS SECARA TIDAK TUNAI Susilawati, Nilda
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 2 (2017): 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.v2i2.1055

Abstract

Buying and selling gold in cash is a golden treasure transfer contract from someone to someone else who is done by cash or credit. the purpose of this study is to analyze the system of indirect buying and selling that occurs in society today. this research includes the type of descriptive qualitative research, by reviewing various literature literature and criticize existing problems in the field If the contract of sale and sale is done not cash in the context of gold as currency, then the sale and purchase law is forbidden because it contains elements of usury, and should only be traded gold when the contract is in cash and equal in value but if the status of gold as a commodity then the sale and purchase of gold is not cash law mubah.Keywords:  Jual beli emas, tidak tunai
Optimalisasi Fintech Syariah Sebagai Agen Investasi Sukuk Negara Trimulato, Trimulato
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022): 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.v7i1.2829

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.
Peran Dewan Pengawas Syariah (DPS) dalam Mewujudkan Good Corporate Governance di Bank Syariah Pertiwi, Dian
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 1 (2019): 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.v4i1.1626

Abstract

Dewan Pengawas Syariah (DPS) sebagai wakil dari Dewan Syariah Nasional (DSN) pada lembaga keuangan syariah, bertugas untuk mengawasi kegiatan usaha lembaga keuangan syariah agar sesuai dengan ketentuan dan prinsip syariah yang telah difatwakan oleh DSN. Maka fungsi utama DPS adalah sebagai penasihat dan pemberi saran kepada direksi, pimpinan unit usaha syariah dan pimpinan kantor cabang syariah mengenai hal-hal yang terkait dengan aspek syariah dan sebagai mediator antara Lembaga Keuangan Syariah (LKS) dengan Dewan Syariah Nasional (DSN) dalam mengomunikasikan usul dan saran pengembangan produk dan jasa dari LKS yang memerlukan kajian dan fatwa dari DSN. Perekrutan DPS yang telah ditetapkan dalam Peraturan Bank Indonesia yaitu harus memiliki integritas, kompetensi dan reputasi keuangan harus dioptimalkan, diperketat dan formalisasi perannya harus diwujudkan pada bank syariah agar tercipta Good Corporate Governance yang menerapkan transparansi, akuntabilitas, responsibilitas, profesional, dan kewajaran.
Analisis Perkembangan Financial Technology Peer To Peer (P2P) Lending Syari’ah Di Indonesia Dalam Perspektif Maqasid Syari’ah Polindi, Miko; Darmawansyah, Trisna Taufik; Yanti, Elsa April
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 2 (2022): 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.v7i2.3912

Abstract

Peer to Peer (P2P) sharia lending is a type of fintech used by sharia fintechs that utilize technology services. This research aims to analyze the development of fintech peer to peer lending sharia using the maqashid sharia approach. The method used in this research is a qualitative method with a qualitative descriptive approach, through three stages, namely orientation, exploration and focused literature study. The results of this research show that there are seven types of sharia peer to peer lending registered at the OJK, and of the seven P2P lending fintech, the mechanism used is by the MUI DSN Fatwa No: 117/DSN-MUI/II /2018 regarding information technology-based financing services based on sharia principles, this shows that fintech P2P Sharia Lending in Indonesia has fulfilled the maqasid of sharia and has clear legal protection. However, what is needed now is efforts to increase literacy about P2P Sharia Lending in the community.
ANALISIS PERKEMBANGAN EKONOMI ISLAM DI ASIA TENGGARA (Sebuah Kajian Historis) Akmal, Haerul; Ghozali, Mohammad
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017): 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.v2i1.951

Abstract

Abstract : The development of Islamic Economy in several Asian countries through many processes, among them is the establishment of a Law or a Government Regulation. The development of Islamic economics in several Asian countries such as Indonesia, Malaysia, Singapore, Thailand and Brunei Darussalam, can be seen from the growth of Banking in each of these countries. The method used in this writing is the Writing Method Library Reseach. This study yielded some important points, that the development of Islamic economics in the countries that become the object of research, originated from the seriousness of the Muslims to establish sharia-based banking, because in the minds of minority Muslims, that they have the right to consume halal banking products and in accordance with their religious teachings. The aspirations of these Muslims are not only heard by the local government, but the government's attention is on their aspirations. In the end, as a proof of the concern, a regulation was issued concerning the opening of banking with profit sharing or non-interest system.Keywords : Islamic Economy,Sharia Banking
Penilaian Peforma keuangan Bank Syariah dengan Dupont Method (Studi BSM 2016-2020) Ghoni, Muhammad Abdul
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.v6i2.2810

Abstract

In this article the method used to determine the financial performance of PT. Bank Syariah Mandiri is the Du Pont Method. Wich uses three ratios, namely Total Assets Turnover (TATO), Net Profit Margin (NPM), and Return On Investment (ROI). This study focuses on analyzing the financial performance of Bank Syariah Mandiri for the 2016-2020 period and looking at the comparison of financial performance of Bank Syariah Mandiri in the last 5 years. This study uses a quantitative descriptive approach, which describes the numerical data analysis results using quantitative analysis techniques. The following conclusions can be drawn: The highest Return On Investment occurred in 2019 at 1.140% and the lowest occurred in 2016 at 0.413%. In 2019 Return On Investment was above average, this shows that the company's performance in generating profits in that year was very good. The calculation of Return On Investment (ROI) from 2016 - 2020 shows that ROI is still fluctuating and less stable. This illustrates that the BSM merger decision in 2021 is the right decision when viewed from the financial performance.

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