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LA RIBA: Jurnal Perbankan Syariah
Published by Universitas Al-Qur'an Ittifaqiah Indralaya
ISSN : -     EISSN : 27747336     DOI : https://doi.org/10.53649/lariba
Core Subject :
This journal focuses on the development and dissemination of research in the field of Islamic finance and banking.
Arjuna Subject : -
Articles 82 Documents
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TINJAUAN FIQIH MUAMALAH TERHADAP SISTEM SIMPAN PINJAM DI BAITUL MAAL WAT TAMWIL AL-ITTIFAQIAH INDRALAYA Muhfid Akbar; Darsi Ahmadan; Hidayani
LA RIBA: Jurnal Perbankan Syariah Vol. 4 No. 2 (2023): Juni 2023
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v4i2.277

Abstract

Penelitian ini dilakukan untuk mengetahui tinjauan fiqih muamalah terhadap sistem simpan pinjam di Baitul Maal Wat Tamwil Al-Ittifaqiah Indralaya. Metode penelitian dalam penelitian ini ialah metode kualitatif. Adapun data dalam penelitian ini menggunakan data primer melalui wawancara dan data sekunder melalui studi literature. Teknik analisis data yang digunakan adalah data reduction (reduksi data) untuk merangkum data dari lapangan dan data display untuk penyajian data.Hasil dalam penelitian ini menyatakan bahwa : Baitul Maal Wat Tamwil selalu bisa untuk membantu perekonomian yang ada di masyarakat. Sehingga masyarakat bisa merasakan akan dampak positif terbantunya kebutuhan dan keperluan mereka, karena adanya Baitul Maal Wat Tamwil.
DAMPAK UTANG LUAR NEGERI INDONESIA DITINJAU DARI PERSPEKTIF EKONOMI ISLAM Hairunnisa
LA RIBA: Jurnal Perbankan Syariah Vol. 1 No. 01 (2019): Desember 2019
Publisher : Program Studi Perbankan Syariah

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Abstract

Economic development is a process that must be carried out by the state to increase the welfare of the entire nation. Without the support of productive economic resources, economic development cannot be carried out properly. Therefore, the government carried out a series of policies, one of which was implementing a foreign debt policy. The decline in government External Debt was influenced by global sentiment as a result of the widespread COVID-19 pandemic, which prompted capital outflows from the domestic Government Securities (SBN) market. Government External Debt is managed to support government spending in priority sectors in an effort to encourage economic growth and increase public welfare. The government's external debt aims to support economic development and growth, which has a positive impact in the form of overcoming an increase in production (GDP), expanding employment opportunities and improving the balance of payments. However, the negative impact if the debt is not used improperly, it will threaten the macroeconomic stability of the country. The view of the Islamic economist group that rejects this budget deficit assumes that interest regardless of any motive, production, consumption and however large / high / multiplied / or low, is still seen as usury. Meanwhile, according to the second view, regarding foreign debt, the deficit budget can be used in an Islamic country with several conditions.
MEMPERTIMBANGKAN TINGKAT MAQASID ASY-SYAHRI???AH DALAM PENETUAN ANGGARAN BELANJA PEMERINTAH (EVALUASI TERHADAP APBN 2008-2013) Hidayani
LA RIBA: Jurnal Perbankan Syariah Vol. 1 No. 01 (2019): Desember 2019
Publisher : Program Studi Perbankan Syariah

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Abstract

This paper is the result of a study evaluating three things, namely: how to position maqasid ash-Shari'ah in the perspective of Islamic economy, how to determine the state budget according to the perspective of maqasid ash-Shari'ah, and how to distribute the state budget based on the perspective of maqasid ash-Shari'ah. Of the three issues were then further clarified about the ideas and basic principles of Islamic economy related to the maqasid ash-Shari'ah. In addition, the approach also addressed the value associated with the state budget in the system of Islamic economy. Furthermore, the concepts of Islamic economy on the state budget that can be applied in real life were discussed. To obtain the data, three methodological frameworks in Islamic economy were used. They consist of the idea and the basic principles of Islamic economy, Islamic value approach towards the conditions of Islamic economy, and the concept of Islamic economy that can be derived in real conditions. It can be concluded that at first the state budget should be based on five aspects:the maintenance of religion, life, lineage, sense and treasure. Second, according to maqasid ash-Shari'ah by using domain analysis and looking at the realization of state budget in 2008 ??? 2013, the budget did not describe the level of the existing maqasid ash-Shari'ah or in the moderate level. It can be seen from the hierarchy pooling of maqasid ash-Shari'ah that the maintainance of life (hifdzuan-nafs)ranks first with a total budget of Rp.137.4 trillion;followed by the maintenance oftreasure(hifdzu al-mal) with a total budget of 122.9 trillion; maintenance of sense (hifdzu al-aql) with a total budget of121 trillion; maintenance of religion(hifdzu ad-din)with a total budget of 40.6 trillion;and maintenance of lineage(hifdzuan-nasl)with a total budget of 12.4 trillion.
ANALISIS TINGKAT KESEHATAN KOPERASI JASA KEUANGAN SYARIAH (STUDI KASUS KJKS BMT BERINGHARJO YOGYAKARTA) Itsnaini Chusnul Khotimah
LA RIBA: Jurnal Perbankan Syariah Vol. 1 No. 01 (2019): Desember 2019
Publisher : Program Studi Perbankan Syariah

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Abstract

Since the establishment of the PINBUK Foundation (Small Business Business Incubation Center) which also established the Sharia Cooperative Parent (INKOMSYAH) many BMTs have joined in fostering foundations and helping the community to establish cooperatives throughout Indonesia. KJKS health level analysis is carried out to assess whether a KJKS has an operational level financially or financially or just the opposite. The purpose of this study was to determine the level of health of the Beringharjo Yogykarta BMT KJKS for the period 2013-2014 using descriptive qualitative research methods and assessments that refer to the State Minister for Cooperatives and Small and Medium Enterprises Republic of Indonesia Number: 35.3Per / M.KUKM / X / 2007 concerning guidelines for evaluating the health of Islamic financial services cooperatives and cooperative Islamic financial services units. By using a sample in the form of KJKS BMT Beringharjo Yogyakarta financial statements for the period 2013-2014 researchers calculated the soundness of the bank, documents and observations to strengthen the results of the study. The results of the research conducted can be concluded that in the period 2013-2014 KJKS BMT Beringharjo Yogyakarta experienced an unhealthy condition.
ANALISIS SISTEM DISTRIBUSI DANA ZAKAT, INFAK, DAN SEDEKAH (ZIS)) PADA DOMPET DHUAFA CABANG SUMSEL BERDASARKAN TINGKAT MAQASHID SYARIAH Ratna
LA RIBA: Jurnal Perbankan Syariah Vol. 1 No. 01 (2019): Desember 2019
Publisher : Program Studi Perbankan Syariah

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Abstract

This study raises the problem of (1) distribution of zakat, infaq & alms (ZIS) funds in 2014-2015 and (2) the distribution system of zakat, infaq & alms (ZIS) funds with maqashid sharia. Therefore, the purpose of writing this thesis is to analyze the distribution system of zakat, infaq and alms (ZIS) funds based on maqashid sharia. Thus, it can be seen that the distribution of zakat, infaq and alms funds and the compatibility between the distribution of zakat, infaq and alms funds with the maqashid of sharia. This research is a qualitative descriptive study. The type of research used is case research. The analysis used is a domain analysis with a semantic relationship pattern. The data used are secondary data in the form of ZIS fund collection data for 2013-2015 and the distribution of ZIS funds for 2014-2015. This paper concludes that the 2013 fund raised from the ZIS funds raised was IDR 2,961,064,212.00. The 2014 allocation of funds from the ZIS funds collected was IDR 3,637,750,450.00, while the funds that were distributed and realized in the Dompet Dhuafa programs in 2015 amounted to IDR 1,710,785,197.00. The results of the evaluation of the distribution of ZIS Dompet Dhuafa funds in the South Sumatra Branch can be concluded that the programs owned by the South Sumatra Branch of Dompet Dhuafa have been good in efforts to tackle poverty holistically both from religion, soul, mind, descent and wealth.
PERANAN ZAKAT PRODUKTIF BADAN AMIL ZAKAT NASIONAL PROVINSI SUMATERA SELATAN TERHADAP PENINGKATAN PENDAPATAN USAHA MUSTAHIK DI KERTAPATI PALEMBANG Uswatun Hasanah
LA RIBA: Jurnal Perbankan Syariah Vol. 1 No. 01 (2019): Desember 2019
Publisher : Program Studi Perbankan Syariah

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Abstract

Thisresearch aims to determine the role of productive zakat on Badan Amil Zakat Nasional South Sumatra Province, on increasing mustahik business income in Kertapati Pelembang. The research methodology ushed to be a qualitative. Data collected by field research and library risearch. The sampling technique used was purposive sampling and snowball sampling. The analysis technique used isdescriptive analysis. As for the research results obtained that the productive zakat of Badan Amil Zakat Nasional South Sumatera Province contributed to the increase in mustahiq business income in Kertapati Palembang. In addition, it has an impac on thinking patterns, business activity carried out, and productivity of mustahik. However, ther was no direct supervision, assistance, and guidance to mustahik, both from Badan Amil Zakat Nasional South Sumatera Province and Baitul Qiradh Al-Hidayah.
PERSEPSI MASYARAKAT TERHADAP BSI (BANK SYARIAH INDONESIA) CABANG INDRALAYA (STUDI PADA MASYARAKAT DESA INDRALAYA KECAMATAN INDRALAYA KABUPATEN OGAN ILIR) hidayani
LA RIBA: Jurnal Perbankan Syariah Vol. 5 No. 2 (2024): Juni 2024
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/la riba.v5i2.579

Abstract

Skripsi ini bertujuan untuk membahas mengenai beberapa tanggapan atau pandangan masyarakat mengenai BSI Syariah Cabang Indralaya. Dalam mengumpulan data dimasyarakat peneliti memilih Kelurahan Indralaya Mulya Kecamatan Indralaya Kabupaten Ogan Ilir sebagai tempat meneliti. Hasil penelitian ini merumusan bahwa kehadiran Bank Syariah Indonesia ( BSI Syariah cabang Indralaya) memiliki arti penting dalam pembinaan masyarakat dari aspek perekonomian untuk melaksanakan syariat Islam. Masyarakat dalam berbagai persepsi menyatakan bahwa Bank Syariah harus lebih memaksimalkan proses sosialisasi dalam mengatasi kurangnya pemahaman masyarakat terhadap Bank Syariah. Selain itu kita bisa mengetahui pula penyebab kecenderungan masyarakat yang lebih mengarah pada Bank Konvensional dan alas an yang mendasari Masyarakat tidak memilih Bank Syariah olehnya itu kehadiran BSI Syariah Cabang Indralaya diyakini telah menambah ketatnya persaingan didunia Perbankan yang diiringi dengan harapan dapat menciptakan trobosan-trobosan baru dalam rangka meningkatkan tarap hidup masyarakat yang sekaligus juga memberikan pilihan bagi masyarakat tentang pandangan dan kepercayaan terhadap bunga bank yang menurut sebagian Ulama termasuk dalam praktik riba yang tidak sesuai dengan Syariat Islam. Metode yang digunakan adalah metode penelitiuan Kualitatif yang berusaha untuk menggambarkan tentang bagaimana fenomena yang terjadi pada saat melakukan menelitian tentang persepsi masyarakat terhadap BSI Syariah cabang Indralaya untuk itu penulis melakukan pengumpulan data melalui observasi, wawancara, dokumentasi, atau pengumpulan data secara langsung turun kelapanagn untuk mengumpulkan data-data atau dokumen yang dapat memberikan gambaran tentang lokasi dan obyek.
IMPLEMENTASI AKAD RAHN EMAS DAN PENGENAAN BIAYA ADMINISTRASI RAHN EMAS PADA PEGADAIAN SYARIAH DI TINJAU DARI FATWA DSN-MUI (Studi Kasus UPS A.Yani Palembang) Hesti Rahma Fitri; Hairunnisa; Ratna
LA RIBA: Jurnal Perbankan Syariah Vol. 5 No. 1 (2023): Vol. 5 No. 1 Desember 2023
Publisher : Program Studi Perbankan Syariah

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Abstract

Penelitian ini bertujuan untuk mengetahui implementasi Fatwa DSN-MUI yang berkaitan dengan Produk serta Pengenaan biaya administrasi Rahn Emas di Pegadaian Syariah UPS A.Yani. Penelitian ini merupakan penelitan dengan metode pendekatan kualitatif. Data primer dari penelitian ini berupa data hasil wawancara dan penelitian langsung di lapangan. Data sekunder berupa data-data dari dokumen perusahaan serta sumber lainnya yang berhubungan dengan penelitian. Fatwa yang berkaitan dengan gadai syariah diantaranya Fatwa DSN-MUI nomor: 25/DSNMUI/III/2002 Tentang Rahn, Fatwa DSN-MUI nomor: 26/DSN-MUI/III/2002 Tentang Rahn Emas dan Fatwa DSN-MUI nomor: 112/DSN-MUI/IX/2017 Tentang Akad Ijarah. Hasil penelitian ini menunjukan bahwa dalam operasional gadai (rahn) emas di Pegadaian Syariah UPS A.Yani sudah menerapkan Fatwa DSN-MUI yang berkaitan dengan produk rahn namun, masih ada yang kurang sesuai yaitu mengenai biaya ujrah dan biaya administrasinya. Dalam biaya ujrah masih tergantung pada golongan pinjaman dan biaya administrasi ada perbedaan berdasarkan golongan pinjaman juga.
PEMBIAYAAN MUDHARABAH DAN MUSYARAKAH TERHADAP PROFIBILITAS BANK MUAMALAT INDONESIA (PERIODE 2017 ??? 2021) Siti May Syaroh Munawwaroh; Ratna; Hidayani
LA RIBA: Jurnal Perbankan Syariah Vol. 5 No. 1 (2023): Vol. 5 No. 1 Desember 2023
Publisher : Program Studi Perbankan Syariah

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Abstract

Penelitian ini dilakukan untuk mengetahui pengaruh pembiayaan mudharabah dan musyarakah terhadap profitabilitas Bank Muamalat Indonesia. Data dalam penelitian ini diperoleh dari laporan keuangan Bank Muamalat Indonesia. Adapun tujuan dalam penelitian ini adalah untuk menganalisis pengaruh pembiayaan mudharabah dan musyarakah terhadap profitabiltas Bank Muamalat periode 2017-2021, baik secara parsial maupun simultan. Metode yang digunakan dalam penelitian ini adalah kuantitatif. Analisis data yang digunakan adalah analisis regresi linear berganda dengan menggunakan software Eviews versi 10. Hasil penelitian ini menunjukkan bahwa: (1) pembiayaan mudharabah tidak berpengaruh terhadap profitabilitas (ROA), (2) pembiayaan musyarakah berpengaruh terhadap profitabilitas (ROA), dan (3) pembiayaan mudharabah dan musyarakah secara bersama-sama berpengaruh terhadap profitabilitas (ROA).
ANALISIS PENDAPATAN USAHA PETERNAK AYAM RAS PETELUR DI KELURAHAN SINDUR KECAMATAN CAMBAI KOTA PRABUMULIH Puspa Utami; Fitria; Raafly Hakim
LA RIBA: Jurnal Perbankan Syariah Vol. 5 No. 1 (2023): Vol. 5 No. 1 Desember 2023
Publisher : Program Studi Perbankan Syariah

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Abstract

Penelitian ini bertujuan untuk mengetahui Analisis Pendapatan Usaha Peternakan Ayam Ras Petelur (Studi Kasus di Kelurahan Sindur Kec.Cambai Kota Prabumulih. Penelitian ini menggunakan metode penelitian Kualitatif Deskriptif, dengan jumlah informan sebanyak Lima orang. Berdasarkan hasil penelitian pada Peternakan Ayam Ras Petelur Bapak Sarnubi, diketahui bahwa pendapatan usaha peternakan ayam ras petelur bapak sarnubi adalah sebesar Rp. 9.865.000 dalam satu bulan atau sebesar Rp. 118.380.000 dalam satu periode, dengan total ayam yang dipelihara sebanyak 6000 ekor ayam. Faktor- faktor yang mempengaruhi pendapatan usaha peternakan ayam meliputi pakan, kandang, tenaga kerja serta vaksin dan obat- obatan.

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