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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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Analisis Pengaruh Karakteristik Bank, Faktor Makroekonomi terhadap Pembiayaan Sektor UMKM pada Perbankan Syariah di Indonesia Lestari, Lutfi Bangun; Afandi, Akhsyim
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.v5i2.2713

Abstract

MSMEs have an important role in national economic development, but the financing of the MSME sector always fluctuates from year to year and tends to decline. This study aims to analyze the effect of bank characteristics and macroeconomic factors on the financing of the MSME sector in Islamic banking in Indonesia. This study uses time series data which is monthly data on aggregate financial statements of Islamic Commercial Banks and Sharia Business Units in Indonesia. The analysis method used in this research is Autoregressive Distributed Lag (ARDL). The results showed that the variables that affect the financing of the BUS MSME sector in the short term are ROA and BI_Rate. Whereas in the long term, the variables that affect the financing of the BUS MSME sector are the bank office network and inflation. While DPK, NPF, exchange rates, ERP both in the short term and long term have no effect on the financing of the BUS MSME sector. Then the variables that affect UUS MSME sector financing in the short term are the bank office network, ROA and BI_Rate. Whereas in the long term, the variable that affects UUS MSME sector financing is the bank office network. Meanwhile, DPK, NPF, exchange rate, ERP both in the short and long term had no effect on the financing of the UUS MSME sector.
Pengaruh Efisiensi, Literasi Finansial, dan Digital Capability Terhadap Tendensi Penggunaan Digital Payment (E-Wallet) pada Mahasiswa Universitas Qomaruddin Gresik Lutfi, Lutfi
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.v10i2.8388

Abstract

In today's era, technological developments are very beneficial for humans in carrying out their activities. One technology that can make it easier for humans to shop is e-wallet. This research purposes to reveal the partial and simultaneous effects of efficiency, financial literacy, digital capabilities on the tendency to use digital payments (e-wallet) among students of Qomaruddin Gresik University. This study is included in the quantitative type. The technique for sampling used is probability sampling through simple random sampling. Respondents in this research were students of Qomaruddin Gresik University. Data analysis techniques were carried out using multiple linear regression tests, and hypothesis tests (T test and F test). The research results showed that partially the variables of efficiency, financial literacy, digital capabilities have a positive and significant effect on the tendency to use digital payments (e-wallet). Furthermore, simultaneously the variables of efficiency, financial literacy, and digital capabilities simultaneously have a positive and significant effect on the tendency to use digital payments (e-wallet). Based on the results of the determination coefficient test (R2), it is known that efficiency, financial literacy, and digital capability influence the tendency to use digital payments (e-wallets) among students at Qomaruddin Gresik University by 80.5%, while the remaining 19.5% is impacted by other variables not discussed in this research.
Loan To Deposit Ratio, Capital Adequacy Ratio, Return On Equity dan Bopo dalam Menilai Kinerja Keuangan PT. Bank BNI Syariah, Tbk Herlin, Herlin; Noviantoro, Rinto
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.v4i2.2454

Abstract

The purpose of this study is to determine the financial performance of PT. Bank BNI Syariah. The method of collecting data in this study is documentation. documentation, namely data collection through financial statements in the form of balance sheets and profit / loss statements. Loan Deposit Ratio (LDR) from 2015-2017 it was 89.14%, 84.01% and 78.89%.the Capital adequacy ratio and the Debt to equity ratio have been determined if the ratio produced is <50% 75%. Return on equity have been determined to produce a ratio of> 1.5% and at BOPO ≤93.52%. From the perspective of the Capital Adequacy Ratio, in 2015-2017 the value was 38.45%, 64.84% and 38.50%By using BOPO in 2015-2017 the value was 83.21%, 80.75% and 80.91%. While the return on equity in 2015-2017 is 1.18%, 1.18% and 0.93%.
Analisis Pengaruh Layanan, Keamanan, dan Kemudahan Penggunaan terhadap Minat Mahasiswa Perbankan Syariah STAIN Mandailing Natal Menggunakan E-Walet Aplikasi Dana Ridwan, Muhammad; Khalijah, Siti; Siregar, Erpiana
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.v9i2.5262

Abstract

This study aims to analyze the influence of Service, Security and Ease of Use on Interest in Using the DANA E-Wallet application. The population of this study were Islamic Banking Students of STAIN Mandailing Natal. The sample used was 99 respondents. The sampling technique for this study used the Purposive Sampling technique. The tool used in this study was SPSS version 20. Based on the results of the SPSS calculation, the Service Feature does not have a positive and significant effect on interest in using. This is evidenced by the t-count value which is smaller than the t table, which is 1.262 <1.661 with a significant value of 0.201> 0.05. While Security has a positive and significant effect on interest in using. This is evidenced by the t-count value of 2.871 which is greater than the t table of 1.661 with a significant value of 0.005 <0.05. And Ease of Use has a positive and significant effect on interest in using. This is evidenced by the calculated t value of 3.507 which is greater than the t table value of 1.661 with a significant value of 0.001 <0.05. Then the results of the study show that Service Features, Security and Ease of Use have a positive and significant effect on interest in using. This is evidenced by the alculated F value of 68.638 which is greater than the F table value of 2.699 with a significant value of 0.000 <0.005.
Determinan Non Performing Financing dengan Inflasi Sebagai Variabel Moderasi Pada Bank Umum Syariah Sistiyarini, Evi
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.v10i1.7677

Abstract

In providing loan facilities in the form of financing to customers, every Islamic bank needs to apply the principle of prudence by conducting proper analysis and good management. This is expected to reduce the risk of non-performing financing so that the NPF of Islamic banks can decrease. Increasing NPF in banks can increase risk and lower bank profits. There are 5 independent variables, namely FDR, BOPO, bank size, GDP and exchange rate. The moderation variable used is inflation. The dependent variable is NPF. The research sample consisted of 10 Sharia Commercial Banks taken by purposive sampling method in the first quarter of 2019 to the fourth quarter of 2023. This study uses the panel data regression method and Moderated Regression Analysis with the eviews program. The results of the analysis showed that partially the variables FDR, BOPO, GDP and Exchange Rate had a non-significant negative influence on NPF, while the bank size variable had a significant negative influence on NPF. The inflation variable as a moderation variable is able to moderate the influence of FDR and measures significantly on NPF.
Pemikiran Ekonomi Ibnu Al-Qayyim al-Jauziyyah Umari, zuul fitriani
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.v4i1.1689

Abstract

This article uses a review of the literature on medieval Arab professor/ economic thought Syamsuddin Abdullah Muhammad bin Abi Bakr Al Zar'i or known as Ibn Qayyim. An approach that focuses on explaining how the concept of usury is in the view of Ibn al-Qayyim al-jawziyyah. as a master of theology and translator of Islamic scriptures, he was one of the leading jurists from the Hambali school in four schools of Islamic law that emerged between the eighth and fourteenth centuries (after the other three, Hanafi, Maliki and Syafii, respectively, the names were pioneers ) There are economic ideas discussed, namely: Islamic economic philosophy, comparison and difference between wealth and poverty, economic interests of zakat, interest in usury al-fadl and riba al-nasi'ah, market mechanisms and the need for public sector intervention.
Gaya Hidup “Frugal Living” Masyarakat Kota Bengkulu dalam Tinjauan Etika Ekonomi Islam Efrianto, Eeng Juli; Suharyono, Suharyono
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.v8i1.4950

Abstract

Penelitian ini merupakan penelitian lapangan dengan metode kualitatif, yang dilakukan di kota Bengkulu. Informan dalam penelitian ini adalah 100 masyarakat kota Bengkulu, yang diambil dengan metode purposive sampling dengan indikator pengetahuan dan pemahaman mereka terkait dengan isu-isu yang sedang diteliti. Data pada penelitian ini terdiri dari data primer dan data sekunder. Hasil penelitian ini menunjukkan bahwa gaya hidup yang dilakukan masyarakat kota Bengkulu dapat dikategorikan ke dalam gaya hidup frugal living. Gaya hidup frugal living adalah pola hidup hemat extrem dan mengalokasikan uang mereka kepada hal yang lebih penting untuk masa depan seperti menabung dan investasi dengan mengabaikan konsumsi. Masyarakat memilih mengkonsumsi makanan yang murah tanpa mengetahui kebaikan dan gizi yang terkandung di dalamnya, pola konsumsi masyarakat lebih mementingkan variabel kenyang daripada gizi. Masyarakat frugal living lebih memilih untuk tidak berinfak dan bersedekah karena mereka menganggap hal tersebut tidak wajib dilakukan. Setiap tahun, mereka hanya membayar zakat fitrah saja, walaupun harta yang mereka miliki memenuhi syarat dan rukun untuk zakat. Hal ini tentu bertolak belakang dengan etika konsumsi Islam yang mewajibkan umat Islam untuk mengkonsumsi makanan yang halalan tayyiban (halal dan baik), menjauhi sifat kikir, dan memproduktifkan harta.
MEKANISME PERDAGANGAN EFEK SYARIAH DI BURSA EFEK INDONESIA PERPEKTIF FATWA DEWAN SYARIAH NASIONAL MAJELIS ULAMA INDONESIA Alfiah, Esti
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.v2i1.954

Abstract

Abstract  : Mechanisms of shariah trading securities at Stock Exchange Indonesia based on the Fatwa  National Shariah Board (DSN-MUI) can be basis for investors to invest in shariah securities. As a whole, trading mechanism at Stock Exchange Indonesia based on the Fatwa  National Shariah Board (DSN-MUI)  has been appropriately implemented. This subject is seen from the criteria indicator to issue Shariah-compliant securities, securities trading mechanisms, types and prohibited transactions, and sharia securities. However, there are still a guilt like a lack of information that is given by brokers so that customers get the wrong information such as fees and contracts made more likely to be destined for brokers (companies).Keywords: Sharia Trading Securities, Shariah Mutual Fund and Shariah Stock, Fatwa DSN-MUI
Implementasi Rahmatan lil-alamin dalam Ekonomi Islam (Analisis Alokasi dan Distribusi Pendapatan Negara tentang Eksistensi (Brand Ekonomi Syariah dan Wakaf Tunai) di Indonesia) Ahyani, Hisam; Putra, Haris Maiza; Abdurohman, Dede; Mutmainah, Naeli; Slamet, Memet
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.v7i1.2817

Abstract

The largest state income in Indonesia is tax. So it is necessary to study the allocation and distribution of these taxes from the perspective of Islamic economics, this is because Indonesia has the largest Muslim population in the world. Indonesian state income from an Islamic economic perspective is very important, this is because the Islamic economy in Indonesia currently has great opportunities in its development aspect. Especially at this time, it has been recorded in the history of the economy in Indonesia as evidence of the development of the Islamic economy in Indonesia, including the existence of the embodiment of the National Money Waqf Movement and the Islamic Economic Brand. The purpose of this study aims to reveal about: the allocation and distribution of state revenues from the perspective of Islamic Economics on Existence (Sharia Economic Brand and Cash Waqf); and its relevance in Indonesia in the current era (4.0). The method used in this research is library research whose sources are in the form of library data in the form of various books, journals, internet, and also other sources relevant to the theme of allocation and distribution of state income in Islam. The results show that the allocation and distribution of state revenues, when viewed from the perspective of Islamic Economics, has the concept of Rahmatan Lil 'Alamin, meaning equal distribution of ability or income for the community that can be applied in Indonesia, one of which is through the national movement of cash waqf and the Islamic economic brand.
Manajemen Ekonomi Islam dalam Menangani Pandemi Coronavirus Disease (COVID-19) di Indonesia Sumarni, Yenti
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.v5i1.2516

Abstract

This COVID-19 case can affect macroeconomic aspects in general. In this journal, aspects of previously published by McKibbin and Wilcoxen will be developed of Warwick McKibbin and Roshen Fernando. In this Journal will analyze sharia management on transactions using money by the Central Bank, nominal wages and financial policy. The journal uses qualitative research methods with natural research methods because the research is conducted in natural conditions. The findings of this study are First, transactions using the central bank. The concept of Islamic economics, transactions using official money issued by the government. money is used in transactions for activities that work and works as a precaution in an emergency conversation. Second, the nominal payment has been realized properly in accordance with the Islamic economy, it can be seen from the policies set by the government and related ministries. The third concerning economic policy has objectives related to Islamic economics. For further research, it is expected to conduct research on asset accounts and fund flows and the merging of two different models between households and companies so that aspects of McKibbin and Wilcoxen can be full analyzed.

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