cover
Contact Name
Herlina Yustati
Contact Email
baabu.alilmi@mail.uinfasbengkulu.ac.id
Phone
-
Journal Mail Official
herlina.yustati@mail.uinfasbengkulu.ac.id
Editorial Address
Jl. Raden Fatah, Pagar Dewa Kota Bengkulu 38211 Bengkulu, Sumatra Indonesia
Location
Kota bengkulu,
Bengkulu
INDONESIA
BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
ISSN : 27274163     EISSN : 2654332X     DOI : 10.29300/ba.v9i1.XXX
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.
Articles 197 Documents
Implementasi Akad Ijarah-Asset To Be Leased pada Transaksi Sukuk Ritel di Bank Syariah Mandiri cabang Jombang Azizuddin, Imam
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 5, No 2 (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.v5i2.2715

Abstract

Retail sharia bond/sukuk (sharia obligation) becomes investors’ most favorable retail. It is reflected by the high demand of obligation in every implementation of emission accomplished. This research aims to know the implementation of ijara – asset to be leased agreement on the retail sharia bond transaction, and the constraint faced by banks in its implementation. This research uses a descriptive qualitative approach which elaborates the result of observation on the implementation of ijara – asset to be leased agreement on the retail sharia bond transaction. It is then explicated in form of narration and implementation scheme. The instruments are primary data which are collected directly from the informantsand secondary data in form of literatures, product brochures, and previous researches. The result shows that the agreement used by bank in the implementation of Ijarah – Asset to be Leased agreement on the retail sharia bond transaction contains trading agreement (al-bay’) of the underlying asset. The use of wakalah agreement is required when the right to issue sukuk as a representative in the sukuk rental process to the underwriter. On the other hand, a kafalah agreement is required when the right to issue emissions provides guarantees to sukuk management agencies issued. The constraints faced by the bank in the implementation are the fact that the society is still lack of information about sukuk and the customers of retail sharia bond still has incomplete administration data.
Pemanfaatan Instagram sebagai Media Promosi untuk Pemasaran Produk Hijab Ayu Lestari, Mita; Redjeki, Sri; Andrie Wijaya, Shendy
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 1 (2026): 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.v10i2.8530

Abstract

This study examines a micro hijab business that was pioneered since college using a reseller business model with low risk and high profit potential. This business, which was initially a side business, has succeeded in growing thanks to an adaptive marketing strategy that utilizes technology and social media algorithms, especially Instagram. The main focus on the quality of visual content, market segmentation, and active interaction with customers increases engagement and organic reach. Educational and inspirational content also strengthens relationships with consumers. Data-based evaluation and insight features support responsive strategy adaptation to market changes. This study is limited to the Instagram platform and lacks quantitative financial and operational data. It is recommended that further research conduct comparative studies on various digital platforms and explore the latest marketing technologies such as artificial intelligence. The novelty of this study lies in the integration of entrepreneurship in academic activities and adaptive and sustainable data-based digital marketing innovations, becoming an example for other micro businesses and the development of digital entrepreneurship.
Analisis Potensi Bisnis Online Syariah Pada Peningkatan Pendapatan Liebhy Kalamansi Melalui E-Commerce Kurniawan, Adhadi
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.v4i2.2456

Abstract

This study describes the potential of sharia online business on increasing the income of the company through e-commerce. This research method is a qualitative descriptive approach. Data collection techniques such as observation, documentation and interviews. The results of this study indicate that in online marketing,the business of selling kalamsi liebhy itself goes through the stages.
Islamic Banking Performance: Important Insights and Strategies Mubarok, Faizul; Sabrina, Kayla Nur; Muna, Putri Naelul; Maulida, Zahra
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.v9i2.3891

Abstract

Banks are financial institutions are created for the purpose of aggregating and disbursing funds among the members of the community. Such operation aims at financial equality, and serves the purpose of creating a platform for stimulating economic growth and overall national stability, which is directed toward the community well being. The main objective of this research is to analyze the impacts of Return on Equity and Debt to Equity Ratio, Gross Domestic Product, and Exchange Rate on Return on Equity in the Islamic banking institutions. The research adopts Islamic banking institutions in Indonesia and consists of five Islamic banks as a purposeful sampling method. To conduct the statistical analysis the Random Effect Model is employed. The research analyzes the impact of these selected financial variables: Return on Equity, Debt to Equity Ratio, Gross Domestic Product, and Exchange Rate Impact on Return on Equity. The researcher has concluded that Return on Equity, Debt to Equity Ratio, and Gross Domestic Product have significant impact on the Islamic banks Return on Equity. Exchange Rate on the other hand has no significant impact on the Islamic banks Return on Equity. To sum up this research, this study provides a basis for an understanding of the staticial relationship between ROE, DER, and GDP and ER on Return on Equity in Islamic banks. The understanding of such mechanism is a key premise for creating impact policies, which strategically improve then Islamic banks capabilities to grow and contribute to the country’s wellbeing.
Penggunaan Platform Pembayaran Digital E-Commerce di Sukabumi: Perbandingan Antara DANA dan ShopeePay Leydia Maulidiawaty, Siti; Nizar, Auralea; Aulia Firdaus, Alya; Syariefa Bintang Maharani, Adinda; Muhammad Danial, R. Deni
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.v10i2.8178

Abstract

This study aims to analyze and compare the use of two popular digital payment platforms in Indonesia, DANA and ShopeePay, in the context of e-commerce transactions in the city of Sukabumi. By observing user preferences, advantages, and disadvantages of each platform, this study is expected to provide valuable insights for users, local e-commerce players, and digital payment application developers. The research method used involves quantitative and qualitative approaches through questionnaire surveys and interviews with e-commerce users in Sukabumi who actively use GoPay and OVO. The results of the study show significant differences in feature preferences, satisfaction levels, and obstacles faced by users of the two platforms. The implications of these findings provide a basis for the development of digital payment services that are more in line with local market needs.
Pengaruh Faktor-faktor Ekonomi Makro Terhadap Return Saham Dengan Profitabilitas Sebagai Variabel Intervening Pada Perusahaan Perbankkan Peraih Indonesia Banking Award (IBA) Tahun 2018 Zakiyah, Tuti
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.v4i1.1690

Abstract

This study aims to examine and analyze the direct effect of macroeconomic variables on stock returns, as well as the indirect influence of macroeconomic variables on stock returns through profitability as measured by ROA as an intervening variable. This research was conducted on banks that received the IBA 2018 award and were listed on the IDX for the period 2009-2017. The data used is quantitative secondary data obtained by documenting various official sites. In econometrics the research data is included in the panel data. The population in this study were 15 banks and obtained a sample of 10 banks for 9 years using a purposive sampling method to form a panel of 90 samples. Hypothesis testing in this study uses t-statistic test to determine the direct effect of independent variables and intervening variables on the dependent variable, and compare the value of direct influence and indirect influence to determine the indirect effect of independent variables on the dependent variable through intervening variables. The results of this study are that inflation does not have a direct influence on stock returns. The BI rate does not have a direct influence on stock returns. and changes in the money supply do not directly affect stock returns. Profitability has a significant positive direct effect on stock returns. Inflation has an indirect influence on stock returns through profitability as an intervening variable. The BI rate has an indirect influence on stock returns through profitability as an intervening variable. and the money supply has an indirect influence on stock returns through profitability as an intervening variable.
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.
PENILAIAN KINERJA (PERFORMANCE APPRAISAL) PEGAWAI NEGERI SIPIL DENGAN MENGGUNAKAN KOMBINASI METODE KEY PERFORMANCE INDICATOR DAN 360 DEGREE FEEDBACK Arisandy, Yosy
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.v2i1.1049

Abstract

Performance appraisal of Civil Servants was conducted with an emphasis on the achievement of target achievement level employee or the work that has been prepared and agreed upon between the Civil Service and the Office of Evaluation. According to Article 4 PP 46 In 2011, the performance appraisal of civil servants divided into two elements Work Target (SKP) and Work Behaviour. However there remain weaknesses in the system of evaluation of the problems which arose at the standard value of the standard to determine the quality of the civil servants and minimum performance assessment conducted only in charge of the assessment by the employer's subjective assessment of opportunities. In management performance assessment can be done by using Key Performance Indicator and 360 degree feedback. With the combination of both the expected performance evaluation of the performance appraisal of civil servants that is more measurable, objective and effective as an input to the Civil Service Agency (BKN). Keywords: Performance Evaluation, Target Officers, Civil Servants, Key Performance Indicators, 360 degree feedback
Analisis Minat Masyarakat Terhadap Perbankan Syariah di Wilayah Kecamatan Panceng Kabupaten Gresik Ihsan, Nurul; Hadi, Nurrohman; Pratikto, Muhammad Iqbal Surya
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.v7i1.2825

Abstract

Islamic banking in Indonesia in recent years has experienced extraordinary developments. However, the development of Islamic banking has not been able to attract the Indonesian people to join Islamic banking. As is the case in Panceng sub-district, Gresik district where public interest in Islamic banking is still very lacking. Therefore, the purpose of this study is to find out how the interest of the people in the Panceng sub-district towards Islamic banking. The approach used in this research is a qualitative approach. The results of this study indicate that public interest in the Panceng sub-district is still very low seen from the results of interviews, observations, and so on. This is due to the lack of public knowledge of Islamic banking, then they do not understand the system and operations applied to Islamic banks, as well as a sense of comfort towards conventional banks because they first know conventional banks are also a factor in the lack of public interest in Islamic banking in the region. Panceng District.
POLA KEMITRAAN INISIATIF ZAKAT INDONESIA (IZI) CABANG BENGKULU DALAM PENGEMBANGAN LEMBAGA Susilawati, Nilda
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.v3i2.1542

Abstract

Inisiatif Zakat Indonesia sebagai lembaga amil zakat yang menngelola dana zakat harus mampu menjaga eksistensi lembaga agar dapat memberdayakan masyarakat miskin melalui program pemberdayaan ekonomi. Tujuan penelitian menggambarkan pola kemitraan yang telah dilakukan oleh IZI dalam upaya pengembangan lembaga zakat dengan menggunakan pendekatan deksriptif kualitatif dengan menggunakan pengumpulan data melalui wawancara dan dokumentasi dengan hasil penelitian diperoleh bahwa pola kemitraan yang dikembangkan oleh Inisiatif Zakat Indonesia Cabang Bengkulu berupa pola kemitraan dengan masyarakat, dunia usaha, pemerintah, media dan  dunia akademik serta lembaga lainnya.