Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum
INKLUSIF: Jurnal Pengkajian Penelitian Syariah dan Ilmu Hukum is a double-blind peer-reviewed journal that publishes scholarly research in Islamic law and legal science through interdisciplinary, contextual, and contemporary approaches. The journal provides an academic forum for the development of legal thought, legal reform, and practical legal analysis within Indonesian Muslim society and global contexts. The journal bridges classical and contemporary legal studies by welcoming normative, doctrinal, empirical, comparative, and socio-legal research. Its focus encompasses Islamic law, national legal systems, and contemporary legal issues arising from social, political, economic, technological, and environmental developments. The scope of the journal includes, but is not limited to: Islamic Law and Its Contemporary Application Studies on Islamic criminal law, civil law, family law, economic law, Islamic constitutional thought, fatwas, religious courts, legal pluralism, and the application of Islamic law in Indonesia and other Muslim societies. Criminal Law and Criminal Justice Reform Research on criminal policy, law enforcement, corruption, restorative justice, victim protection, sentencing, penal reform, cybercrime, and contemporary challenges in criminal justice. Civil, Economic, and Business Law Studies on contracts, property, commercial transactions, consumer protection, Islamic finance, halal industry, waqf, zakat governance, MSMEs, corporate responsibility, and economic legal development. Constitutional, Administrative, International, and Human Rights Law Research on constitutionalism, governance, public administration, judicial review, state institutions, international legal norms, human rights, and the relationship between national and global legal orders. Medical, Environmental, Customary, and Contemporary Legal Issues Studies on health law, bioethics, patient rights, environmental justice, climate-related legal issues, customary law, indigenous rights, technology and law, artificial intelligence, data protection, legal ethics, and access to justice. Through interdisciplinary and practice-oriented research, INKLUSIF seeks to strengthen Islamic legal scholarship and legal science by promoting justice, inclusivity, legal certainty, public welfare, and sustainable governance.
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166 Documents
<![CDATA[ANALISIS KESESUAIAN KONSEP DAN PRAKTEK PEMBIAYAAN MURABAHAH DI UJKS KPRI HARAPAN SEJAHTERA IAIN SYEKH NURJATI CIREBON ]]>
<![CDATA[Ade Fatonah]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 1 (2017): Juni 2017 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v2i1.1546
<![CDATA[AbstractKPRI Harapan Sejahtera IAIN Syech Nurjati Cirebon is a cooperative whose members are employees of the agency IAIN Syekh Nurjati Cirebon. This KPRI adheres to the principles of Shariah, all the transactions carried out Shari'ah principle that each transaction is rated as valid if the transaction has fulfilled the terms of its pillars, if not fulfilled then the transaction is canceled. KPRI Harapan Sejahtera IAIN Syech Nurjati Cirebon have the products offered to its customers, among its financing murabahah contract. In practice, this product is not fully in accordance with the Shari'a. Still there is a term tolerance and this is due to the transition from conventional cooperative to cooperative Shari'ah. Key words          : cooperative, islamic economic AbstrakKPRI Harapan Sejahtera IAIN Syech Nurjati Cirebon adalah Koperasi yang beranggotakan karyawan dari instansi yaitu IAIN Syekh Nurjati Cirebon. KPRI ini menganut azas syari’ah, semua transaksi yang dilakukan harus berprinsip syari’ah yakni setiap transaksi dinilai sah apabila transaksi tersebut telah terpenuhi syarat rukunnya, bila tidak terpenuhinya maka transaksi tersebut batal.KPRI Harapan Sejahtera IAIN Syech Nurjati Cirebon memiliki produk-produk yang ditawarkan kepada nasabahnya, diantara nya pembiayaan dengan akad murabahah. Pada prakteknya produk ini belum sepenuhnya sesuai dengan syari’ah. Masih ada istilah toleransi dan hal ini dikarenakan masa transisi dari koperasi konvensional ke koperasi syari’ah.Kata Kunci         : koperasi, ekonomi islam. ]]>
<![CDATA[PENGARUH PRODUK DOMESTIK REGIONAL BRUTO (PDRB)PERTUMBUHAN EKONOMI DAN INFLASITERHADAP NON PERFORMING FINANCE PERBANKAN SYARIAH DI CIREBON ]]>
<![CDATA[M Anisulfata]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 1 (2017): Juni 2017 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v2i1.1547
<![CDATA[ABSTRACT The variable gross Regional domestic product, economic growth and inflation greatly affect banking world, especially in terms of the occurrence of the financing problem. This research aims to find out how big the influence of gross Regional domestic product, economic growth and inflation against the occurrence of problematic financing in Islamic banking in Cirebon. The rise in gross Regional domestic product, economic growth and inflation will have an impact on a micro and macro economy. Although the Islamic banking system does not use flowers in its business operations but because Islamic banking became an integral part of the national banking system then the Sharia banking still could not break away from the excesses of the third macro variables. The methodologyusedisexplanatory data analysisandusedescriptive quantitative approach with statistical science as his instrument. Analytical techniques used is regression analysis techniques. Research the results showed that the gross Regional domestic product partially positive effect of 0.533 against the troubled financing Islamic banking in Cirebon. This means that when the gross Regional domestic product increase so troubled financing Islamic banking in Cirebon 47.7 percent decline. With the level of significance 0.000 53.3% confidence level and thus influence the rate of gross domestic product is significantly to the financing of problematic in Islamic banking. Economic growth is partially positive effect of 0.531 against the troubled financing Islamic banking in Cirebon. Keywords: Variable Gross Regional Product, the Economic Growth and Inflation  Abstrak Variabel Produk Domestik Regional Bruto, Pertumbuhan Ekonomi dan inflasi sangat mempengaruhi dunia perbankan, terutama dari segi terjadinya pembiayaan bermasalah. Penelitian ini bertujuan untuk mengetahui seberapa besar pengaruh Produk Domestik Regional Bruto, Pertumbuhan Ekonomi dan inflasi terhadap terjadinya pembiayaan bermasalah di perbankan syariah di Cirebon.            Naiknya Produk Domestik Regional Bruto, Pertumbuhan Ekonomi dan inflasi akan berdampak pada perekonomian mikro dan makro. Meski perbankan syariah tidak menggunakan sistem bunga dalam operasional usahanya tetapi karena perbankan syariah menjadi bagian integral dari sistem perbankan nasional maka perbankan syariah tetap tidak bisa melepaskan diri dari ekses ketiga variabel makro tersebut. Metodologi yang digunakan adalah eksplanatory data analisys dan menggunakan pendekatan kuantitatif deskriptif dengan ilmu statistik sebagai alatnya. Teknik analisis yang digunakan adalah teknik analisis regresi. Hasil penelitian menunjukkan bahwa Produk Domestik Regional Bruto secara parsial berpengaruh positif sebesar 0,533 terhadap pembiayaan bermasalah perbankan syariah di Cirebon. Artinya, ketika Produk Domestik Regional Bruto mengalami kenaikan maka pembiayaan bermasalah perbankan syariah di Cirebon mengalami penurunan 47,7 persen. Dengan tingkat signifikansi 0,000 dan tingkat kepercayaan 53,3% maka pengaruh tingkat Produk Domestik Bruto signifikan terhadap pembiayaan bermasalah di perbankan syariah. Kata Kunci: Produk Domestik Regional Bruto, Pertumbuhan Ekonomi, Inflasi, Pembiayaan Bermasalah]]>
<![CDATA[PENGARUH PEMBIAYAAN MURABAHAH TERHADAP OMSET PENJUALAN DAN KEUNTUNGAN NASABAH USAHA KECIL DAN MENENGAH (UKM) DI BAITUL MAAL WAT TAMWIL AL-ISHLAH BOBOS CIREBON ]]>
<![CDATA[Syaiful Muaiz]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 1 (2017): Juni 2017 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v2i1.1549
<![CDATA[AbstractBMT Al-Ishlah Bobos as a microfinance institution has the task of collecting Third Party Funds (DPK) and channeling to Small and Medium Business customers (SMEs) by financing syari`ah, one of the financing is done Murabahah akad.The results of this study indicate that murabahah financing value positively affects the sales value of Small and Medium Enterprises (SMEs) with a range of 71.06% of the remaining 28.94%. Murabahah financing value positively affects the profit value of Small and Medium Enterprises (SME) customers with a range of relationship of 52.85% of the remaining 47.15%. The value of sales turnover positively affects the value of profit of Small and Medium Enterprises (SME) customers in Baitul Maal Wat Tamwil Al-Ishlah Bobos Dukupuntang Sub-district of Cirebon Regency with a range of 56.70% of the remaining relationship of 43.30%.The method used is descriptive research that aims to describe in detail the phenomena observed with simple regression analysis parameters. The number of samples used in this study was 84 respondents. Sampling using questionnaires. Keywords : Murabahah, revenue, sales, profit ABSTRAKBMT Al-Ishlah Bobos sebagai lembaga keuangan mikro mempunyai tugas mengumpulkan Dana Pihak Ketiga (DPK) dan menyalurkannya kepada nasabah Usaha Kecil dan Menengah (UKM) dengan melakukan pembiayaan secara syari`ah, salah satu pembiayaan yang dilakukan adalah akad Murabahah.Hasil penelitian ini menunjukkan bahwa nilai pembiayaan murabahah berpengaruh secara positif terhadap nilai omset penjualan Usaha Kecil dan Menengah (UKM) dengan kisaran hubungan sebesar 71,06% sisanya 28,94%. Nilai pembiayaan murabahah berpengaruh secara positif terhadap nilai keuntungan nasabah Usaha Kecil dan Menengah (UKM) dengan kisaran hubungan sebesar 52,85% sisanya 47,15%. Nilai omset penjualan berpengaruh secara positif terhadap nilai keuntungan nasabah Usaha Kecil dan Menengah (UKM) di Baitul Maal Wat Tamwil Al-Ishlah Bobos Kecamatan Dukupuntang Kabupaten Cirebon dengan kisaran hubungan sebesar 56,70% sisanya 43,30%.Metode yang digunakan adalah penelitian deskriptif yang bertujuan untuk menggambarkan secara terinci fenomena yang diamati dengan parameter analisis regresi sederhana. Jumlah sampel yang digunakan dalam penelitian ini adalah 84 responden. Pengambilan sampel menggunakan kuisioner. Kata Kunci         : Murabahah, omset, penjualan, keuntungan]]>
<![CDATA[AHLI WARIS PENGGANTI DALAM KOMPILASI HUKUM ISLAM ]]>
<![CDATA[Muhammad Mustofa]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 2 (2017): Desember 2017 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v2i2.1551
<![CDATA[Kompilasi Hukum Islam (KHI) considered an injustice which felt by the grandchildren from the daughters according to jumhur, who did not take a part because of the z{awi al-arham status, or grandchildren from the sons who are covered by the son, referring to the provisions of KHI which tried to positioned the grandchildren who are covered so grandchildren entitled to acquire heritage treasures as a form of the offer for the concept of justice and welfare for the grandchild who is called the heirs of substitute. The formulation of the problem that wants to find out the answers the are: How is the replacement of the heirs in Kompilasi Hukum Islam? Why does the Kompilasi Hukum Islam determine the heirs of substitute?. To answering the problems above, the writer used law research with the normative juridical approach method, that is a law research conducted by prioritizing the existence of referenced materials or document which called secondary data, includes of primary, secondary, and tertiary law materials. The research specification is an analytical descriptive, which aims to provide an overview of the qualitative methods of law theories and law doctrines as well as the opinions of Islamic jurists.Keywords: The Heirs of Substitute, Kompilasi Hukum Islam (KHI).]]>
<![CDATA[LARANGAN TAUKIL WAKIL WALI NIKAH DI KANTOR URUSAN AGAMA (KUA) KECAMATAN PANGENAN KABUPATEN CIREBON ]]>
<![CDATA[Abdul Badri]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 2 (2017): Desember 2017 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v2i2.1552
<![CDATA[ABSTRACT                Religion Affairs Office (KUA) subdistrict Pangenan, Cirebon regency has tasks and functions such as the service, monitoring and record keeping marriage in their territory. Marriage which has force of law is that marriage which the prerequirement and pillars of the marriage are met  and the marriage occurs in front of the marriage chief (The Official of Marriage Jotter/PPN). The pillars of marriage are:  The candidate of bride groom, The candidate of bride, Wali (The custodian), two witnesses and the consent (the agreement). In subdistrict Pangenan, the custodian in applying the consent his daughter or  his sister whom under his authority, represent his authority to marriage chief or PPN or the one who is intended to. The custodian represent  his authority to the one who is intended to (a representative) constitutes authority which is given by Islam freely. The consequence of the free authority occured that the custodian mandates it to a representative (wakil) and the representatative remandates to another one (in this research called taukil wakil wali nikah). Seeing this case, KUA subdistrict Pangenan prevents dan forbids the people to do so.The objective of the research is to reveal the people excuses in doing or applying taukil wakil wali nikah, to reveal the KUA excuses why they forbid the practice taukil wakil wali nikah and to know juridical position and implication of taukil wakil wali nikah.The research is a study case research with inductive analysis by applying juridical and normative literature approach method, that is by studying in depth fiqih and ushul fiqih scribes and corpus, and rules and laws which are related to the case discussed. The source of  primer data which is gained and used is from library and personal literature collection. The data collection technique is by studying in depth the literature, documents, rules and laws and the experts’ opinions and thoughts. The collected data will be used as the thought basis theoritically, and then the data technique is written in logical and systematic essay.In the research conclusion reveals why the subdistrict Pangenan people’s excuses apply taukil wakil wali nikah are the disability factor in doing ijab (offer) and  the custom factor of the people always mandate the consent (the agreement) in a marriage. KUA subdistrict Pangenan excuse in preventing and forbidding taukil wakil wali nikah is because it is inappropriate for Standard Operating Procedure (SOP) in KUA, KUA is as the policy maker in the difference of opinion about  taukil wakil wali nikah and KHI, KMA and PMA do not regulate Taukil wakil wali nikah. Taukil wakil wali nikah is not written explicitly in rules as the base of marriage in KUA and the juridical implication is that if the consent (the agreement/Ijab qobul) has not occured yet, the authority belongs to the real Wali (Muwakkil) and if the consent has occured, it is needed to repeat the consent (tajdîdu al-nikâh).]]>
<![CDATA[PROBLEMATIKA KEDUDUKAN ANAK ANGKAT DALAM MENERIMA HARTA WARISAN DAN PENYELESAIANNYA MENURUT KOMPILASI HUKUM ISLAM (KHI) ]]>
<![CDATA[Siti Nuraenun]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 2 No. 2 (2017): Desember 2017 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v2i2.1553
<![CDATA[AbstactThe adopting of children and adopted children is part of substation from law of children safety which were be part from the law winch life and flourish in civil society in accordance with the usually and the different motivation and feel of law winch life and flourish in any area. Therefore, the case of children adoption must be regulated in specific in constriction that.From commentary about that can formulation case as follows: (1) How is the position adopted children in farting of heritage according to heritage KHI? (2) if haven’t the dispute about heritage treasure, how the solution? The kind of this research is descriptive qualitative, where is the releaser is mean to know the condition about what, how, and to par, how much and etc. with the description result data research with word by word or the separated sentence according to category and analysis for getting the conclusion.With this research writer will be describing clarity the position of children in Islamic Law Compilation (KHI). The kind of research use the research library while the technique of analysis is with to find and analysis references primer and secondary. The result of research, is: (1) the definition of adopted children too and there to there are in pasal 171 huruf h KHI which declare that adopted children is the children which in the nurture for the daily of them life, the case of education and any other switch the responsibility from the pure parent to adopted parent by the justices jurisdiction (2) the adoption of children according to KHI not because the justice relation of generation or the blood a child with his / her parent who born. (3) Accomplishment the dispute in family law, in this case marriage and the heritage still be authority of Islamic justice.The suggestions is: (1) in order to the Islamic civil society in Indonesia who want or were do adoption of children suggested to study about the provision of Islamic law use any books about adoption of children so that get the reference about the role of children adoption in al-Qur’an or Hadits. (2) in order to the adopted parent preparation all about the necessary of adopted children is especially about the case of education, welfare and the healthy from now and make a massage in from of the witness, in order to later if the adopted parent is death and leave the heritage, no to inflict the conflict between adopted children and heir from adopted parent.Keyword:Adopted Children, Haritage]]>
<![CDATA[Praktik Taklik Talak dan Gugat Cerai serta Hubungannya dengan Tujuan Pernikahan (Studi Kasus di Kecamatan Gegesik Kabupaten Cirebon) ]]>
<![CDATA[DIDIN KOMARUDIN]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 3 No. 1 (2018): Juni 2018 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v3i1.1562
<![CDATA[Abstract In order to prevent violations of taklik talak not only the duties and obligations of the husband, but a wife also has a big enough role. The reality that occurred in Gegesik sub-district shows that the purpose of marriage that should be realized through marriage can not be achieved, especially if it is associated with higher divorce cases than talak. In the cultural context, the wife who is supposed to be the household manager and the creator of the pleasant atmosphere in the family, precisely as the party who took the initiative to do divorce. This research uses descriptive-qualitative research type. The conclusion is that taklik talak is something that hangs on the occurrence of something mentioned in the pledge of talak .. The divorce lawsuit is the breaking of marriage bonds due to the petition filed by the wife to the Religious Court, among the causes is a breach of taklik talak done by the husband. In Gegesik sub-district, generally shitat taklik talak is read out after qobul's consent. For husbands, the reading of taklik talak is understood as a commitment to mu'asyaroh bil ma'ruf by carrying out duties and duties as a husband well, and not being arbitrary to wife. It is important to socialize the concept of taklik talak to the community in depth. With this socialization, a true and complete understanding of the concept of taklik talak is required. So the number of divorce lawsuits with taklik talak violations will be minimized and the purpose of marriage can be realized.Keywords: Taklik Talak, Divorce Lawsuit, Marriage Destination  Abstrak Dalam rangka menjaga agar tidak terjadi pelanggaran terhadap taklik talak bukan hanya tugas dan kewajiban suami, tetapi seorang istri juga mempunyai peran yang cukup besar. Realita yang terjadi di Kecamatan Gegesik menunjukan bahwa tujuan berkeluarga yang semestinya terwujud melalui perkawinan tidak dapat tercapai, terutama jika dikaitkan dengan lebih tingginya perkara gugat cerai dibanding gugat talak. Pada konteks budaya, istri yang seharusnya sebagai pengelola rumah tangga dan pencipta suasana menyenangkan di keluarga, justru sebagai pihak yang berinisiatif melakukan gugatan cerai. Penelitian ini menggunakan jenis penelitian deskriptif-kualitatif. Kesimpulannya adalah taklik talak yaitu sesuatu yang digantungkan pada terjadinya sesuatu yang disebutkan dalam ikrar talak.. Gugat cerai ialah putusnya ikatan perkawinan akibat permohonan yang diajukan oleh istri ke Pengadilan Agama, diantara penyebabnya adalah adanya pelanggaran taklik talak yang dilakukan oleh suami. Di Kecamatan Gegesik, pada umumnya shighat taklik talak dibacakan setelah ijab qobul. Bagi suami, pembacaan taklik talak dipahami sebagai komitmen untuk mu’asyaroh bil ma’ruf dengan melaksanakan tugas dan kewajiban sebagai seorang suami dengan baik, serta tidak bersikap sewenang-wenang terhadap istri. Penting dilakukan sosialisasi konsep taklik talak kepada masyarakat secara mendalam. Dengan sosialisasi ini, diharapkan muncul pemahaman yang benar dan lengkap tentang konsep taklik talak. Sehingga angka gugat cerai dengan pelanggaran taklik talak akan dapat diminimalisir dan tujuan pernikahan dapat terwujud.Kata Kunci: Taklik Talak, Gugat Cerai, Tujuan Pernikahan]]>
<![CDATA[PEMBAYARAN DENGAN GIRO DALAM TRANSAKSI JUAL BELI DI PASAR SANDANG TEGALGUBUG CIREBONDALAM PERSPEKTIF HUKUM EKONOMI SYARI’AH ]]>
<![CDATA[Isnaeli .]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 1 No. 2 (2016): Desember 2016 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v1i2.1826
<![CDATA[ABSTRACTIslam has determined the rules of law, whether on terms, principles or other forms of sale and purchase which are not allowed. Therefore, in practice must be in accordance with the terms and principles. But sometimes in the practice of buying and selling there is a deviation from the rule of law. Payment of demand deposits on sale and purchase transactions in the clothing market Tegalgubug Cirebon, conducted by deceiving the seller by exploiting sellers ignorance and not pay off liabilities in the payment of sale and purchase. Based on the phenomenon, the author intends to analyze from the point of view of sharia economic law?The type of research used in this study is descriptive qualitative research that aims to provide an overview of the object of research clothing market Tegalgubug. The results of this study that the sale and purchase of demand deposits in the clothing market Tegalgubug contrary to sharia economic law because in practice not balanced with the honesty by the buyer against the seller. Due to the payment of demand deposits, there is uncertainty about the outstanding balance and the maturity of the loan disbursement. It certainly can harm both the sellers and other communities.Keywords:Giro payment, Purchas.ABSTRAK Islam telah menentukan aturan-aturan hukum, baik mengenai syarat, rukun maupun bentuk jual beli yang tidak diperbolehkan. Oleh karena itu dalam prakteknya harus sesuai dengan syarat dan rukunnya. Tetapiadakalanya dalam praktek jual beli terdapat penyimpangan dari aturan hukum. Pembayaran giro pada transaksi jual beli di pasar sandang Tegalgubug Cirebon, dilakukan dengan menipu pihak penjual dengan memanfaatkan ketidaktahuan penjual dan tidak melunasi kewajiban dalam pembayaran jual beli. Berdasarkan fenomena tersebut, penulis bermaksud menganalisis dari sudut pandang hukum ekonomi syari’ah?Adapun jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif deskriptif yang bertujuan untuk memberikan gambaran mengenai objek penelitian yakni pasar sandang Tegalgubug. Hasil dari penelitian ini bahwa jual beli pembayaran giro di pasar sandang Tegalgubug bertentangan dengan hukum ekonomi syari’ah karena dalam prakteknya tidak diimbangi dengan kejujuran oleh pihak pembeli terhadap penjual. Karena pembayaran giro terdapat ketidakjelasan terhadap saldo yang tertera dan tidak jelas jatuh tempo pencairannya. Hal tersebut tentunya dapat merugikan baik pihak penjual maupun masyarakat lainnya.Kata kunci : Pembayaran giro,Jual Beli.]]>
<![CDATA[PENGARUH PERMODALAN, KUALITAS ASET, LIKUIDITAS, DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITASBANK UMUM SYARIAH DI INDONESIA TAHUN 2010.I – 2015.IV ]]>
<![CDATA[Maryani .]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 1 No. 2 (2016): Desember 2016 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v1i2.1827
<![CDATA[ABSTRACTIslamic banks are required to have a good performance in order to compete in the fight over the national market. One of the benchmarks in bank performance measures is profitability. Profitability projected with ROA by several factors of capital, asset quality, liquidity and efficiency. In the dynamics of the development of these factors are inconsistent and deviated by the theory that caused the phenomenon of the gap and the difference in previous research results that led to the research gap. This study aims to measure capital factor with CAR indicator, asset quality (NPF), liquidity (FDR) and operational efficiency (BOPO) on Profitability (ROA) at Sharia Commercial Bank in Indonesia Year 2010.I-2015.IV.This research is a quantitative research. Research data is secondary data. The population in this study are 12 Sharia Commercial Banks in Indonesia. The independent variables that influence the ROA are CAR, NPF, FDR, and BOPO. The data were analyzed using apanel data regression analysis method using STATA 12. The selected panel data model was Fixed Effect.The results showed independent variables on ROA with a significance value of 0.000 <0.05. CAR partially significant and significant to ROA. NPF and BOPO are partially negative and significant to ROA. And FDR negatively is not significant. R2 shows 75.78% change. ROA can be explained by variables CAR, NPF, FDR and BOPO, the remaining 24.22% is not owned by the model.Keywords: Profitability,Capital, Asset Quality, Liquidity, Operational EfficiencyABSTRAKBank syariah dituntut untuk memiliki kinerja yang baik agar mampu bersaing dalam memperebutkan pangsa pasar perbankan nasional di Indonesia. Salah satu yang menjadi tolak ukur dalam mengukur kinerja bank adalah profitabilitas. Profitabilitas yang diproyeksikan dengan ROA dipengaruhi oleh beberapa faktor diantaranya permodalan, kualitas aset, likuiditas dan efesiensi. Dalam dinamika perkembangan faktor tersebut mengalami ketidakkonsistenan dan penyimpangan dengan teori yang menyebabkan adanya fenomena gap dan perbedaan hasil penelitian terdahulu yang menyebabkan research gap.Penelitian ini bertujuan untuk menganalisis pengaruh faktor permodalan dengan indikator CAR, kualitas aset (NPF), likuiditas (FDR) dan efisiensi operasional (BOPO) terhadap Profitabilitas (ROA) pada Bank Umum Syariah di Indonesia Tahun 2010.I-2015.IV.Penelitian ini merupakan penelitian kuantitatif. Data penelitian merupakan data sekunder. Populasi dalam penelitian ini adalah 12 Bank Umum Syariah di Indonesia Variabel bebas yang diuji pengaruhnya terhadap ROA yaitu CAR, NPF, FDR dan BOPO. Data dianalisis dengan menggunakan metode analisis regresi data panel dengan menggunakan STATA 12. Model data panel yang terpilih adalah Fixed Effect.Hasil penelitian menunjukan bahwa variabel-variabel bebas secara bersama-sama berpengaruh terhadap ROA dengan nilai signifikansi 0,000<0,05. Secara parsial CAR berpengaruh positif dan signifikan terhadap ROA. NPF dan BOPO secara parsial berpengaruh negatif dan signifikan terhadap ROA. Dan FDR berpengaruh negatif tidak signifikan. R2 menunjukkan bahwa 75,78% setiap perubahan ROA dapat dijelaskan oleh variabel CAR, NPF, FDR dan BOPO, sisanya 24,22% dipengaruhi oleh variabel lain yang tidak dimasukkan ke dalam model.Kata Kunci: Profitabilitas, Permodalan, Kualitas Aset, Likuiditas, Efisiensi Operasional ]]>
<![CDATA[PENGARUH CURRENT RATIO, QUICK RATIO DAN CASH RATIO TERHADAP PEMBIAYAAN PRODUKTIF BANK SYARIAH ]]>
<![CDATA[Mohamad Ismanandar]]>
<![CDATA[ INKLUSIF (JURNAL PENGKAJIAN PENELITIAN SYARIAH DAN ILMU HUKUM) Vol. 1 No. 2 (2016): Desember 2016 ]]>
Publisher : <![CDATA[UIN Siber Syekh Nurjati Cirebon ]]>
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DOI: 10.24235/inklusif.v1i2.1828
<![CDATA[ABSTRAKPerbankan syariah sebagai lembaga keuangan tidak lepas dari likuiditas. Likuiditas mempunyai peran penting dalam perbankan. Dengan menggunakan analisis laporan keuangan yaitu current ratio, quick ratio dan cash ratio yang merupakan bagian dari rasio likuiditas dapat digambarkan kinerja dan kondisi keuangan bank dalam suatu periode tertentu. Hal ini berguna untuk pengambilan keputusan di masa yang akan datang.Penelitian ini bertujuan untuk memberikan bukti mengenai pengaruh Current Ratio, Quick Ratio, Cash Ratio secara parsial dan simultan terhadap pembiayaan produktif pada bank umum syariah.Populasi penelitian meliputi semua bank umum syariah yang terdaftar di Statistik Perbankan Syariah Indonesia sampai dengan bulan Desember 2015. Teknik pengambilan sampel yang digunakan adalah teknik purposive sampling. Jenis data yang digunakan adalah data sekunder berupa laporan keuangan triwulan bank umum syariah periode 2014-2015. Metode analisis data yang digunakan adalah analisis regresi linier berganda.Kata kunci: pembiayaan produktif, current ratio, quick ratio dan cash ratio. ABSTRACTSharia banking as a financial institution can not be separated from liquidity. Liquidity has an important role in banking. By using the analysis of financial statements of current ratio, quick ratio and cash ratio which is part of the liquidity ratio can be described the performance and financial condition of banks in a certain period. This is useful for future decision making.This study aims to provide evidence on the influence of Current Ratio, Quick Ratio, Cash Ratio partially and simultaneously to productive financing at sharia commercial banks.The study population includes all sharia commercial banks registered in Indonesian Sharia Banking Statistics until December 2015. The sampling technique used is purposive sampling technique. The type of data used is secondary data in the form of quarterly financial statements of sharia banks in the period 2014-2015. Data analysis method used is multiple linear regression analysis.  Keywords: productive financing, current ratio, quick ratio and cash ratio.]]>
