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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 226 Documents
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The Impact of Trade openness, Foreign Direct Investment, and Labor on Economic Growth in Indonesia from 2010 -2024 from the Perspective of Maqashid Syariah Nanda Ahmad Maulana; Anas Malik; Taufiqur Rahman
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.11117

Abstract

Penelitian ini bertujuan untuk menganalisis dampak keterbukaan perdagangan, investasi asing langsung (FDI), dan tenaga kerja terhadap pertumbuhan ekonomi Indonesia dari tahun 2010-2024 dari perspektif Maqashid Syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan analisis regresi linier berganda. Data yang digunakan adalah data sekunder yang diperoleh dari Badan Pusat Statistik (BPS) dan Bank Dunia. Teknik analisis meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas, uji autokorelasi, uji t, uji f, dan uji koefisien determinasi (R²). Analisis data dilakukan menggunakan perangkat lunak EViews 10. Hasil penelitian menunjukkan bahwa, secara individu, keterbukaan perdagangan memiliki pengaruh positif dan signifikan terhadap pertumbuhan ekonomi, sedangkan FDI dan tenaga kerja tidak memiliki pengaruh signifikan. Namun secara kolektif, ketiga variabel tersebut memiliki pengaruh signifikan terhadap pertumbuhan ekonomi. Nilai Adjusted R² sebesar 0,525 menunjukkan bahwa model tersebut menjelaskan 52,5% variasi pertumbuhan ekonomi. Dari perspektif maqashid syariah, pertumbuhan ekonomi harus berorientasi pada kepentingan umum, keadilan distributif, dan kesejahteraan masyarakat. Oleh karena itu, kebijakan ekonomi perlu diarahkan pada pengelolaan yang optimal dan adil terhadap keterbukaan perdagangan, investasi, dan tenaga kerja.
Pengaruh BOPO, FDR, dan NPF terhadap Kinerja Keuangan Unit Usaha Syariah di Indonesia Periode 2020-2024 Fella Aprilia Herlambang; Gustika Nurmalia
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.10831

Abstract

This study is motivated by the dynamics of the national economy affected by the COVID-19 pandemic and the subsequent economic recovery, which have influenced the performance of the banking sector, including Sharia Business Units (SBUs) in Indonesia. This research aims to analyze the effect of Operating Expenses to Operating Income (BOPO), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF) on the financial performance of Sharia Business Units, measured by Return on Assets (ROA), in Indonesian national private banks during the period 2020–2024. The relationship between independent and dependent variables is explained using signaling theory. This study employs a quantitative approach using secondary data obtained from the financial reports of Sharia Business Units. Data analysis techniques include descriptive statistics, classical assumption tests, and panel data regression with 20 quarterly observations. The results show that BOPO has a negative and significant effect on ROA, FDR has a positive and significant effect on ROA, while NPF has a negative but insignificant effect on ROA. Simultaneously, BOPO, FDR, and NPF have a significant effect on the financial performance of Sharia Business Units. These findings indicate that operational efficiency and effective financing distribution play a crucial role in improving the financial performance of SBUs.
Strategi Eksplorasi Calon Nasabah Pembiayaan pada Financial Ecosystem (PT. BPRS Lantabur Tebuireng Jombang) Dio Firmansyah; Athi' Hidayati; Peni Haryanti; Anita Musfiroh
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 11, No 2 (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.v11i2.11040

Abstract

Penelitian ini bertujuan untuk menganalisis strategi penelusuran riwayat pembiayaan nasabah calon dalam ekosistem keuangan di PT. BPRS Lantabur Tebuireng Jombang. Metode yang digunakan adalah pendekatan kualitatif dengan desain studi kasus, menggunakan wawancara mendalam, observasi lapangan, dan dokumentasi dari personel internal bank. Hasil penelitian menunjukkan bahwa PT. BPRS Lantabur Tebuireng Jombang menerapkan strategi penelusuran integratif dengan menggabungkan data formal, seperti SLIK OJK, dengan pendekatan sosial dan observasi. Proses dimulai dengan penyaringan melalui SLIK sebagai indikator risiko awal, diikuti oleh survei lapangan, transaksi digital, dan pemanfaatan jejaring sosial melalui referensi nasabah. Pendekatan ini memberikan gambaran yang lebih komprehensif tentang kondisi keuangan dan karakter calon nasabah di tengah keterbatasan data formal karena fragmentasi ekosistem keuangan. Penelitian ini merekomendasikan penguatan integrasi data lintas lembaga dan pengembangan strategi penelusuran berbasis teknologi dan pendekatan sosial untuk meningkatkan akurasi penilaian pembiayaan dan meminimalkan risiko kemacetan kredit.
Strategi Promosi Berbasis Muslim Friendly Hospitality dalam Meningkatkan Minat Berkunjung Wisatawan pada Kata Oma Hotel Kota Bengkulu Perspektif Ekonomi Syariah Ahmad Zaki; Agnes Yolanda
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.v9i2.12515

Abstract

The hospitality industry faces intensifying competition, necessitating promotional strategies that attract tourists while building trust. One such approach is "Muslim-Friendly Hospitality" promotion—a strategy highlighting facilities and services that cater to the needs of Muslim tourists while maintaining inclusive service for non-Muslim guests. This study aims to analyze the Muslim-Friendly Hospitality promotional strategy at Kata Oma Hotel, Bengkulu City, regarding its impact on tourist interest, and to examine it from a Sharia economic perspective. A qualitative descriptive method involving field research was employed. Data were gathered through observation, interviews, and documentation involving six informants: a manager, marketing staff, security personnel, and three hotel guests. Data analysis involved reduction, presentation, and conclusion drawing. The results indicate that promotional strategies were executed via social media, Online Travel Agents (OTAs), influencer collaborations, and direct outreach to government agencies and private companies. These strategies were reinforced by the implementation of Muslim-Friendly Hospitality practices, such as providing halal food, prayer rooms (mushala), prayer equipment, copies of the Quran, Qibla direction indicators, wudu-friendly sanitation facilities, and friendly, professional service. These strategies contributed to increased visitor interest, trust, brand image, and hotel competitiveness. From a Sharia economic perspective, the promotional strategy aligns with the principles of (shiddiq), (amanah), (tabligh), (fathanah), and (al-'adl), and is free from elements of (gharar) and (tadlis).
Implementasi Strategi Pemasaran Digital dalam Meningkatkan Daya Saing Perbankan Syariah di Era Transformasi Digital: Studi Kasus pada Bank Muamalat Indonesia Tbk Cabang Bengkulu Soleha Soleha; Tomas Windira; Mardian Suryani
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.v10i2.12530

Abstract

This study aims to examine the digital marketing strategy of Bank Muamalat Bengkulu Branch in facing banking competition in the digital era and to identify supporting and inhibiting factors. The study employed a descriptive qualitative approach. Data were collected through observation, interviews, and documentation. The informants consisted of personnel involved in digital marketing and customer services and three active Bank Muamalat customers. The interviews were conducted on 9 July 2026. The strategy was analyzed using the 4P marketing mix: product, price, place, and promotion. The findings indicate that Bank Muamalat Bengkulu Branch introduces its products through Muamalat DIN, the official website, social media, digital advertising, and cooperation with various parties. In terms of price, information on administrative fees and profit-sharing arrangements is communicated through digital media, customer service, and educational activities. In terms of place, digital services enable customers to access information and conduct transactions without visiting the branch. Promotion uses Instagram, WhatsApp, TikTok, YouTube, webinars, educational content, customer testimonials, and digital advertising. Supporting factors mentioned by informants include technological development, increasing internet and smartphone use, social media, wider internet access, and Muamalat DIN. Inhibiting factors include limited public understanding of Islamic banking, some customers' unfamiliarity with digital services, competition with other banks, and network and technical problems reported by customers. Qualitatively, the interviewed customers expressed positive views regarding the convenience of digital services, while also identifying the need for feature development and technical improvements.
Urgensi Independensi Auditor di Lembaga Keuangan Syariah Intan Purnama Sari; Suharyono Suharyono
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.v8i2.12514

Abstract

This study examines the aspect of independence regarding human resources—specifically Sharia auditors. It employs a qualitative method utilizing a descriptive-analytical approach. The research was conducted through a literature review, with analysis involving the classification, reduction, and verification of sources concerning auditor independence. Sharia auditor independence is crucial for ensuring that Sharia audits are conducted objectively, free from the influence of personal interests or external parties. Objective audit results enhance stakeholder confidence in Sharia financial institutions.

Page 23 of 23 | Total Record : 226

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