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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 185 Documents
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Pengaruh Literasi Keuangan, Life Style, dan Locus Of Control Terhadap Perilaku Pengelolaan Keuangan Mahasiswa Ekonomi Syariah Febi Angkatan 2019 rahmawati, rahmawati; Harjoni, Harjoni; Nola, Sity Lutfia
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.v9i2.5011

Abstract

This study aims to analyze the effect of financial literacy, Life Style, and Locus Of control on the financial management behavior of FEBI students class of 2019 at IAIN LHOKSEUMAWE. This type of research is quantitative using primary data obtained through distributing questionnaires, the population in this study were students majoring in sharia economics FEBI IAIN LHOKSEUMAWE class of 2019. The sample used in this study was 60 respondents. The data was processed using statistical program for social science (SPSS) software. The results of this study indicate that financial literacy has no significant effect on student financial management behavior. Life Style variables have no effect on student financial management behavior. Locus Of control variables have a significant effect on student financial management behavior and Financial Literacy, Life Style, and Locus Of Control simultaneously affect student financial management behavior.
Tantangan Penggunaan E Commerce Bagi Franchise D’top Di Kota Sukabumi Sebagai Strategi Bertahan Iksan Setiandi, Muhammad; Destian Pratama, Rizky; Ali Maulana, Resta; Gusti Rahayu, Ripaldi
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.v8i2.8237

Abstract

Franchise, as one of the most popular business models, is facing new challenges with the rise of e-commerce. This study aims to identify the challenges faced by D’Top franchise businesses in Sukabumi in utilizing e-commerce as a survival strategy. This research used a descriptive qualitative approach with subjects consisting of actively operating D’Top franchisees. Data were collected through semi-structured interviews and analyzed thematically. The results indicate three main challenges: limited human resources, low digital literacy, and lack of support from the franchisor. Despite these issues, several franchisees have taken independent initiatives to adapt digitally through social media and delivery platforms. These findings highlight the importance of franchisor support and external assistance in facilitating the digitalization process in franchise businesses. This study provides a real picture of local franchise practices and contributes to the development of adaptive, technology-based strategies in the franchise sector.
ANALISIS FAKTOR MOTIVASI JATI DIRI MUSLIM MELAKSANAKAN HAJI DAN UMRAH Stiawan, Evan; Yarmunida, Miti
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.v4i1.1700

Abstract

Populasi yang cukup tinggi dalam membuat masyarakat Indonesia beramai ramai melaksanakan ibadah haji dan umrah. Hal ini tercermin pada waktu tunggu antri untuk ibadah haji di Indonesia yaitu berkisar waktu 10-17 Tahun. Data tersebut menunjukan bahwa sangat banyak sekali antusiasmen warga dalam melaksanakamn ibadah haji, akan tetapi untuk mengisi waktu tunggu tersebut yang cukup lama banyak masyarakat yang melakukan ibadah umrah. Penelitian ini bertujuan mengetahui faktor-faktor motivasi masyarakat melaksanakan ibadah haji dan umrah. Studi desain penelitian ini menggunakan metode analisis faktor melalui uji  Barlett test of sphericity, Kaiser Mesyer Olkin (KMO), dan Measure Sampling Adequacy (MSA). Faktor individu yaitu usia dan pendidikan tidak dapat menjadi faktor yang signifikan dalam mempengaruhi untuk melaksanakan ibadah haji dan umrah.
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.
TELAAH KRITIS PENERAPAN MANAJEMEN SUMBER DAYA INSANI PADA PERUSAHAAN (Studi Empiris Pada PT. Bank Muamalat Indonesia, Tbk. Cabang Bengkulu Wahyuni, Eka Sri
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.v2i1.1051

Abstract

This study examines the implementation of human resource management in the company,by conducting an empirical study at PT. Bank Muamalat Indonesia, Tbk. Branch of Bengkulu. With so many companies today where the management system in its human resources aspects to implement the system of management with the principles of sharia.In these circumstances, researchers conduct critical reviews of human resource management systems in sharia-based companies. The purpose of this study is to represent the human resource management system in accordance with the perspective of shariah management.The type of research in this study is descriptive evaluative, by comparing the theory with empirical facts.The results of the study concluded that the implementation of human resource management at PT. Bank Muamalat Indonesia, Tbk Bengkulu Branch, for the process of Recruitment, Selection, and Performance Assessment is in accordance with the concept of sharia.While in the process of Training and Development, according to this author has not approached with the concept of sharia, because it is still lack of material balance, that is between material of Tauhid (Akhlak), Sharia, and Muamalah which is delivered to the employees when done Training.
The Effect of Murabahah, Mudharabah, and Musharakah Financing on Net Profit Growth in Bank Muamalat Indonesia Siregar, Erwin Saputra; Irmayuliana, Irmayuliana
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.v7i1.2827

Abstract

This study aims to examine the effect of Murabahah, Mudharaba, and Musharaka Financing on Net Profit Growth at Bank Muamalat Indonesia Period 2016-2019. The independent variables used are Murabahah, Mudharaba, and Musharaka financing. The dependent variable used is Net Profit at Bank Muamalat Indonesia. The population and sample in this study are the Monthly Financial Statements of Bank Muamalat Indonesia, January 2016 - December 2019, 12 months x 4 years = 48, so the sample of this research is 48. Samples were selected using the saturated sampling method. The analytical method used in this study is multiple linear regression with time-series data processed using SPSS IBM 20 and Microsoft Excel 2010. The results of this study indicate that the independent variables Murabahah, Mudharaba, and Musharaka financing simultaneously affect the dependent variable Net Profit. Partially Murabahah Financing does not affect Net Profit. Partially, Mudharaba Financing hurts Net Profit, and Partially Musharaka Financing does not affect Net Profit
ANALISIS RASIO KEUANGAN TERHADAP KELAYAKAN PEMBIAYAAN (STUDI KASUS PADA BMT EL-SEJAHTERA CIPARI CILACAP) Imronah, ‘Ainul
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.v2i1.1580

Abstract

Many aspects are important in assessing the feasibility of financing. Financial Ratio analysis is one of important aspects in assessing the feasibility of financing. This analysis is needed to find out the company's financial performance so the development and the decline of a company is known and it is used as the tool of additional consideration by lks/creditors in making the decision to give or do not give the financing proposed by the company. The results showed that: banks implement and use the commonly existing theories in financial ratio analysis; performance assessment of companies is conducted by the bank based on the shape of the patterns of growth and decline of the company from year to year (trend); and the relevance of the conclusions made by the bank from the analysis results, relevant to what has been shown through analysis results itself. It can be concluded that the use of analysis financial ratios liquidity ratio analysis tool, the solvency ratio, the ratio of earning ratios, the ratio of the activity, and the ratio converge is in compliance with the existing theory, despite in certain periods the calculation development in few post is less significant. However, in another period of post can cover it. So, the company is deserved to get the financing.
Pengaruh Pertumbuhan Ekonomi, Pengangguran, Pengeluaran Pemerintah, dan Dana Otonomi Khusus Terhadap Tingkat Kemiskinan di Provinsi Papua Barat Nurfaizah, Nurfaizah; Oktarina, Amimah
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.v9i1.3424

Abstract

Poverty is a complex problem, therefore it is necessary to find solutions to overcome the problem. The aim of this research is to see the influence of economic growth, unemployment, and government spending and special autonomy funds (DOK) on poverty levels. This research is quantitative research using panel data regression. The data used is time series data (2017-2022 period) and cross section data (13 regencies/cities in West Papua Province). The results of this research show; GRDP has an influence on poverty with a negative relationship. The unemployment rate has no influence on poverty. The level of government spending has a significant influence on poverty with a positive relationship. The Special Autonomy Fund (DOK) has no influence on poverty.
PENGARUH PDRB TERHADAP TINGKAT KEMISKINAN DI PROVINSI SULAWESI TENGAH (TAHUN 2013-2015) Nugroho, Moh Agus; Rhamadhani, Rika Febby
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.v1i2.877

Abstract

This study examines the Influence of GDP on Level of Provery in Central Sulawesi in 2013 – 2015. The purpose of this research is to analyze how influence GDP on Level of Proverty in Central Sulawesi. The method of analysis used qualitative and quantitative. The type of quantitative research is used to describe of phenomena related to problems on this study. While type of qualiative research is used to analyze the information that can be measured. The result of this study indicate that GDP is not significant effect on Level of Proverty. This is due to the increase GDP that occurred in central sulawesi is not always followed by decrease on the level of proverty. It can be seen from data of GDP and level of provery in Central Sulawesi in 2013 – 2015.Key words : Level of Provery, GDP
Analisis Determinasi Kinerja Keuangan Bank Umum Syariah Di Indonesia (Periode Januari 2016 – November 2020) Hapsari, Hening Pratika Nila; Risqulloh, Faiz Hanif
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.v6i2.2808

Abstract

Islamic commercial Banks in Indonesia continue to experience improvement because of the better performance level of Islamic banking in Indonesia. The increase in the performance of Islamic commercial banks in Indonesia is also influenced by the role of the people who entrust them to use the banking services they choose, especially customers who invest in the hope of getting profit back. Bank Indonesia has determined that one way to measure bank profitability is the return on assets (ROA). This study uses a quantitative analysis using secondary data types in the form of monthly data for 4 years 11 months, namely Return On Assets (ROA) data which is influenced by BOPO, NPF, NOM, FDR that occurs in Indonesia using the ECM (Error Correction Model). The results in this study are BOPO has a negative and insignificant effect on ROA, NPF has a negative and significant effect on ROA, NOM has a positive and significant effect on ROA, and FDR has a negative and insignificant effect on ROA on Islamic Commercial Banks in Indonesia

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