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Contemporary Islamic Economic and Business Review
Published by Universitas Islam Negeri Siber Syekh Nurjati Cirebon
ISSN : -     EISSN : 31106579     DOI : 10.70095
Core Subject : Economy,
Economics, Econometrics & Finance
CIEBER: Contemporary Islamic Economic and Business Review is a scientific journal published by the Faculty of Islamic Economics and Business, UIN Siber Syekh Nurjati Cirebon. This journal focuses on scholarly studies in the fields of Islamic economics, Islamic business, Islamic finance, management, Islamic banking, Islamic accounting, entrepreneurship, as well as contemporary issues related to the development of sharia-based economics and business. CIEBER serves as an academic platform for the publication of research findings, theoretical studies, and practical analyses from academics, researchers, practitioners, and students who are concerned with the advancement of Islamic economics and business. The journal is expected to contribute significantly to the development of knowledge, critical thinking, and applicable solutions for the growth of Islamic economics at local, national, and global levels.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 15 Documents
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Peran dan Implikasi Dewan Pengawas Syariah pada Lembaga Keuangan Mikro Syariah di Indonesia Perspektif Maqashid Syariah Putri Meiliyawati; Alvien Septian Haerisma; Amir Amir
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.1

Abstract

Islamic cooperatives are financial institutions categorized as micro, operating based on Islamic Sharia principles. In carrying out its operations, Islamic cooperatives must ensure that all activities do not conflict with Sharia principles. The role of the Sharia Supervisory Board, as an extension of the DSN-MUI, is crucial in overseeing all cooperative activities. The purpose of this study is to determine the role of the sharia supervisory board and the implications for the realization of maqashid sharia in Kopsyah Harapan Sejahtera UIN Syekh Nurjati Cirebon. This research uses a qualitative method approach. The data collection techniques used were observation, interview, and documentation. The data sources used are primary and secondary data. The results showed that the role of the Sharia Supervisory Board of Kopsyah Harapan Sejahtera has been running optimally, because it has ensured that all cooperative activities and transactions, including fund management, products offered, and operations, are under sharia principles.
Analisis Faktor - Faktor yang Mempengaruhi Minat UMKM dalam Memilih Pembiayaan Bank Syariah Winda Safitriyani; Achmad Kholiq; Dewi Fatmasari; Nur Haida
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.2

Abstract

This research aims to analyze the factors that influence the interest of MSMEs in Pilangsari Village in choosing sharia bank financing. This research uses a quantitative type of research. The sample in this study was Micro, Small and Medium Enterprises (MSMEs) in Pilangsari Village, totaling 80 respondents taken using proportional proportional sampling. Data collection techniques through distributing questionnaires and literature study. The data analysis used is descriptive analysis, statistical analysis in the form of validity and reliability tests, classical assumption tests, multiple linear regression tests, coefficient of determination tests (R^2) and hypothesis tests in the form of t tests (partial) and f tests (simultaneous) with using SPSS Statistics Version 22. The research results show that there is no influence between knowledge and financing procedures on the interest of Pilangsari Village Micro, Small and Medium Enterprises (MSMEs) in choosing sharia bank financing, and there is a positive and significant influence between promotion on the interest of Pilangsari Village MSMEs in choosing sharia bank financing and The calculated t value > t table is (2.862 > 2.227) with a significant value of 0.006 < 0.05. Simultaneously, Knowledge, Promotion and Financing Procedures together influence MSMEs' interest in choosing Islamic bank financing with a contribution of 15.9% while the remaining 84.1% is influenced by other variables not researched by the author.
Pengaruh Budaya Organisasi dan Disiplin Kerja Terhadap Kinerja Karyawan pada Bank Umum Syariah dengan Lingkungan Kerja sebagai Variabel Moderasi Armilda Sandraningtyas; Toto Suharto; Ridwan Widagdo
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.3

Abstract

This research aims to measure and analyze the influence of organizational culture and work discipline on employee performance at Sharia Commercial Banks in Kuningan Regency, with the work environment as a moderating variable. The method used in this research is hypothesis testing with a quantitative approach. The population in this study were all employees of Sharia Commercial Banks in Kuningan Regency. Samples were taken using the total sample technique. The number of samples taken and used in this research was 35 employees. Data collection techniques use questionnaires distributed directly. The data analysis method used is Moderated Regression Analysis with the help of SPSS software version 22. The research results show that organizational culture has a positive and significant effect on employee performance, with a calculated t value = 3.420 > t table and a significance level = 0.002 < 0.05. Work discipline has a positive and significant effect on employee performance, with a calculated t value = 4.809 > t table and a significance level of 0.000 < 0.05. The work environment is unable to moderate the influence of organizational culture on employee performance, with a parameter coefficient value (β) of 0.007 and a significance level = 0.307 > 0.05. The work environment negatively moderates (weakens) the influence of organizational culture on employee performance, with a parameter coefficient value (β) of -0.016 and a significance level = 0.048 <0.05.
Determinan Loyalitas Nasabah pada Lembaga Keuangan Mikro Syariah di Kota Cirebon Jawa Barat Indah Farikhah; Nur Eka Setiowati; Nining Wahyuningsih
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.4

Abstract

Abstract This study aims to analyze the effect of service quality, promotion, and trust on member loyalty at KPRI Harapan Sejahtera IAIN Syekh Nurjati Cirebon, both partially and simultaneously. The research uses a quantitative associative approach with data collected through questionnaires distributed to 95 respondents. The data were analyzed using multiple linear regression with SPSS version 27. The results show that partially, service quality, promotion, and trust have a positive and significant effect on member loyalty. Simultaneously, these three independent variables also significantly influence member loyalty, with a coefficient of determination (R²) of 0.665. This indicates that 66.5% of the loyalty variation is explained by these variables, while the remaining 33.5% is influenced by other factors. These findings emphasize the importance of service strategies, promotional efforts, and trust-building in strengthening member loyalty within cooperatives.
Analisis Implementasi Shariah Compliance Pembiayaan Qardhul Hasan pada Lembaga Mikro Keuangan Syariah di Jawa Barat Nashrul Fauzi; Robbani Robbani; Ivo Dinasta Yanuar
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 1 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i1.5

Abstract

One of the phenomena that occurs in the application of qardhul hasan at KSPPS BMT Al Falah is still not running optimally, because there are several members receiving qardhul hasan financing who are constrained. So an investigation will be carried out first on members who are unable to pay by closing their debts through zakat and infaq funds. The purpose of this study is based on the formulation of the existing problem, namely, to find out how the implementation of qardhul hasan financing is. What are the uses that loan customers will get from Qardhul Hasan financing? As well as the challenges and solutions in the implementation of Qardhul Hasan financing at BMT Al Falah. In this study, the author uses a descriptive qualitative method. In this study, the author uses primary data. The number of samples used in this study was 3 respondents. Data collection techniques used observation and interview methods. Data analysis techniques used data reduction, data presentation, and drawing conclusions implementation of Qardhul Hasan financing at BMT Al Falah has been carried out in accordance with the principles stipulated in the DSN-MUI Fatwa No.19/DSN-MUI/IV/2001. This is supported by the important role of the Sharia Supervisory Board (DPS) through monthly reports and regular discussions to ensure compliance with Sharia Principles. The training and outreach carried out before the distribution of Qardhul Hasan also helps educate employees and customers about sharia principles, thereby minimizing the potential for violations. The implementation of Qardhul Hasan financing at BMT Al Falah is supported by several supporting factors, such as intensive assistance to members, strong commitment from the internal BMT, and compliance with DSN-MUI regulations.
Tinjauan Fatwa DSN Terhadap Produk Pembiayaan Pada Pegadaian Syariah Cipto Cirebon Kharisma Aurora; Alvien Septian Haerisma; Amir Amir
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.6

Abstract

This study examines the application of sharia principles in gold pawn products at Pegadaian Syariah Cipto Cirebon. The main issues identified are employees’ limited understanding of DSN-MUI fatwas, discrepancies between fatwa provisions and institutional regulations, and debates over the application of mu’nah (maintenance) fees. Using a qualitative descriptive method with field research through interviews, observations, and document analysis, the study assesses compliance with DSN-MUI Fatwas No. 25, 26, and 92. The findings show that the gold pawn financing mechanism generally complies with sharia principles through the use of hybrid contracts (rahn, qardh, and ijarah) and fair mu’nah fees that avoid riba, gharar, and maysir. However, DPS supervision remains suboptimal due to limited resources and weak coordination. The study recommends strengthening sharia supervision by enhancing DPS competence, aligning SOPs with DSN fatwas, and implementing regular sharia audits to ensure compliance and transparency.
Strategi Peningkatan Kinerja Karyawan BTN Syariah KCPS Plered Cirebon Khamidah; Sri Rokhlinasari; Diana Djuwita
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.8

Abstract

This study aims to analyze the internal and external environment of BTN Syariah KCPS Plered and to identify appropriate strategies for improving employee performance using SWOT analysis. The research employs a qualitative approach with SWOT analysis as the main analytical framework. Primary data were collected through observation, interviews, and documentation, while secondary data were obtained from company records, literature, and journals. The data analysis process involved data collection, data reduction, data presentation, and conclusion drawing. To ensure data validity, a credibility test using source triangulation was applied to examine the issues identified in the research subjects. The results indicate that, internally, the main strengths of BTN Syariah KCPS Plered include competent human resources, an Islamic work culture, and strong managerial support. The identified weaknesses consist of limited continuous training programs, unequal workload distribution, and a less optimal performance evaluation system. Externally, the bank’s opportunities include the increasing public interest in Islamic banking products and supportive government policies, while threats come from intense competition among Islamic banks and fluctuations in national economic conditions. Employee performance improvement strategies at BTN Syariah KCPS Plered are formulated based on the results of the SWOT analysis. The SO (Strength–Opportunity) strategy utilizes internal strengths to seize external opportunities by enhancing service quality and developing innovative Islamic banking products. The WO (Weakness–Opportunity) strategy focuses on improving employee competencies through continuous training and development programs. The ST (Strength–Threat) strategy aims to strengthen customer loyalty amidst growing competition, while the WT (Weakness–Threat) strategy emphasizes maintaining productivity stability through workload management, enhancing supporting facilities, implementing digital monitoring systems, and conducting regular employee coaching.
Pengaruh ROA dan FDR Terhadap Struktur Modal Pada Bank Umum Syariah di Indonesia Tahun 2019-2023 Ade Azizah; Toto Suharto; Mohammad Iqbal
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.9

Abstract

This research aims to investigate the effect of profitability and liquidity on the capital structure of Sharia Commercial Banks (BUS) in Indonesia during the 2019-2023 period. Using samples from 10 BUS, this research analyzes data covering 50 observations to test the proposed hypothesis. The analytical method used is multiple linear regression to determine the relationship between the independent variables profitability and liquidity and the dependent variable capital structure as measured by the Capital Adequacy Ratio (CAR). The research results show that liquidity has a positive and significant influence on capital structure, while profitability has a negative influence on capital structure. These findings indicate that increasing liquidity, as measured through the Financing to Deposit Ratio (FDR), contributes to increasing the Capital Adequacy Ratio (CAR), which is an important indicator of a bank's financial health. This research also emphasizes the importance of effective liquidity management in supporting a healthy capital structure in Sharia Commercial Banks (BUS). Thus, the results of this research contribute to the development of capital structure theory and financial management practices in the Islamic banking industry. It is hoped that this research can become a reference for future researchers and provide insight for bank management in making decisions regarding liquidity and capital structure.
Peran Lembaga Keuangan Mikro Syariah dalam Pembiayaan Usaha Mikro Kecil dan Menengah (UMKM) di Kab. Cirebon Iim Imroah; Mariyah Ulfah; Nur Haida
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.10

Abstract

BMT is a financial institution that uses sharia patterns. One of its roles in financing the community's economy is by providing capital or financing to customers to help open new businesses or develop existing businesses using Sharia principles to avoid usury. This research aims to determine financing practices, the role of financing for MSMEs and supporting and inhibiting factors for financing at BMT NUS KC Dukupuntang. The method used in this research is a descriptive method, namely research that focuses on solving problems with the aim of describing and explaining the conditions of the research. The data sources obtained are primary and secondary data sources. Primary data sources are information or data obtained directly from the source, interviewing the head of admin and customers. Meanwhile, secondary data sources are data sources obtained from several literatures related to the problem being studied. And data collection techniques are carried out using observation, interviews and documentation. The research results show that the role of sharia microfinance institutions in micro, small and medium enterprises (case study of BMT NUS KC Dukupuntang) states that the practice of murabahah financing is followed by a wakalah (authorization) agreement in procuring goods. The role is quite good in providing financing to customers. Supporting and inhibiting factors in analyzing prospective customers at BMT NUS KC Dukupuntang using the 5C and 7P analysis methods. The factors that support the implementation of financing include material support from members and the existence of adequate facilities and infrastructure.
Studi Komparatif Penyaluran Fasilitas Pembiayaan dalam Mendukung Sektor Industri Makanan Halal pada Bank Umum Syariah di Indonesia dan Malaysia Rizky Nur Muhammad; Alvien Septian Haerisma; Yeni Nurkhasanah
CIEBER: Contemporary Islamic Economic and Business Review Vol. 1 No. 2 (2025): CIEBER: Contemporary Islamic Economic and Business Review
Publisher : Fakultas Ekonomi dan Bisni Islam UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/cieber.v1i2.11

Abstract

This research aims to analyze the comparison of financing facilities, implementation of strategies and policies as well as the differences between each existing financing facility at BSI and BIMB to support the halal food industry. This research uses a comparative qualitative research type with a qualitative approach. The data sources used are secondary data sources via the web from each bank, previous research, annual reports, international journals and several relevant YouTube channels. The results show that the financing facilities distributed by PT Bank Syariah Indonesia Tbk (BSI) to support the halal food industry sector are said to be not optimal because there are no financing facilities aimed directly at supporting the halal food industry sector. Meanwhile, Bank Islam Malaysia Berhad (BIMB) is considered quite optimal because it has financing facilities designed to support the growth of MSMEs in the halal industry, especially the halal food industry sector. Through the various facilities provided by these two sharia banks, it really helps business actors, both MSMEs and companies, especially those operating in the halal food industry, although the financing distributed is aimed at business actors in general.

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