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INDONESIA
El Dinar
Published by Universitas Islam Negeri Maulana Malik Ibrahim Malang
ISSN : -     EISSN : 26220083     DOI : -
Core Subject : Education,
Other
Adalah jurnal berkala peer-reviewed yang diterbitkan biannually atau setahun dua kali oleh Jurusan Perbankan Syariah, Universitas Islam Negeri Maulana Malik Ibrahim Malang. EL DINAR merupakan sarana komunikasi yang diperuntukkan bagi para peneliti, akademisi, maupun praktisi dalam bidang keuangan dan perbankan syariah. Demi mewujudkan kontribusi bagi pengembangan ilmu keuangan dan perbankan syariah, dewan redaksi mengundang para pemerhati untuk dapat berpartisipasi dalam menyumbangkan karya ilmiah berupa jurnal-jurnal penelitian
Arjuna Subject : -
Articles 6 Documents
 1 
Search results for , issue "Vol 4, No 1 (2016): El Dinar" : 6 Documents clear
Determinan Enterpreneurial Motivation Mahasiswa Perbankan Syariah Siswanto, Siswanto Siswanto
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 1 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1550.231 KB) | DOI: 10.18860/ed.v4i1.5412

Abstract

This study was conducted to explore factors motivating students to be enterpreneur. Factor analysis approach used to attain the objective. The analysis used four stages. Namely; choose a variable, variable extraction, rotation and indentified variables. Total sample of the researsh were 100 respondents. The results showed some biographical characteristics which included characteristics based on age, gender, enterpreneurial intentions, type of business, opinions and backrounds. Based on the results, there were six important factors which motivated students to be enterpreneur, namely; need for achievement, locus of control, external environment, self efficacy, material encouragement and independence.
Pengaruh Diversitas Dewan dan kinerja keuangan terhadap voluntary corporate disclosure Aisyah, Esy Nur
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 1 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v4i1.5419

Abstract

More disclosure can reduce agency costs incurred by the company. The more management (agent) reveal information about the company can reduce the conflict to shareholders (principal). Therfore, a voluntary disclosure more to minimize the occurence of  information asymmetry. The more management companies disclose information about the incentives obtained become more, because basically shareholders (principal) would be willing to pay the cost of monitoring surveillance to prevent the hazard of the agent.The aim of this study is to analyze and discribe how diversity influences gender and educational background of the board as well as the financial performance of the corporate voluntary disclosure. Definition councils in this study combines the board of commissioners and board of directors, because indonesia is adopting a two-tier system. The companies sampled is a company registered in the Indonesia Stock Exchange (IDX).Adjusted R-squere value (0.55) shows that voluntary corporate disclosure nearly 55% depending on the independent variable is gender diversity of the board, board diversity educational backgrounds, profitability, size, liquidity and liverage of the company. Significance test showed that gender diversity and leverage are important determinants of corporate voluntary disclosure in Indonesia. On the other hand, the research also found that the variable gender diversity, provitability, size and liquidity is not strong explanatory variables to determine the extent of voluntary disclosure of company in Indonesia.
Sistem kemitraan usaha tani perspektif syariah (studi pada PT. BISI Internasional Kediri) Zakiy, Faris Salahuddin; Sari, Indra Mustika; Sintia, Kiki Debi
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 1 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v4i1.5420

Abstract

Sistem kemitraan juga telah diajarkan dalam nilai-nilai islam. Sehingga mengkaji secara mendalam tentang sistem kemitraan yang diterapkan oleh PT. Bisi Internasional Tbk. Dan dampaknya beserta ditinjau secara perspektif syariah sangat menarik dikaitkan dengan keadaan pertanian dewasa ini yang masih banyak permasalahan.Jenis penelitian ini adalah penelitian kualitatif dengan pendekatan deskriptif dan tracer study. Data dan jenis data yang digunakan adalah data primer dan skunder. Pengumpulan data penelitian ini menggunakan metode observasi, wawancara,  tracer study dan dokumentasi.Hasil penelitian ini, bahwa sistem kemitraan yang diterapkan oleh PT. Bisi Internasional Tbk. Terdiri menjadi tiga bagian yaitu, sistem kemitraan murni, sistem kemitraan green house dan sistem kemitraan bagi hasil. Dan dampak yang didapatkan oleh para petani yaitu peningkatan pendapatan, kemudahan dalam mendapatkan modal, fokus dalam proses produksi, tempat distribusi yang terjamin dan bonus kualitas hasil panen. Sistem kemitraan yang diterapkan oleh perusahaan setelah dianalisis sesuai perspektif syariah, bahwa ada beberapa hal yang telah sesuai denganprinsip-prinsip syariah. Sistem kemitraan murni dna green house serupa dengan akad muzaraahnamun belum sepenuhnya sesuai. Sedangkan sistem kemitraan bagi hasil sudah sesuai dengan akad mukhabarah
Analisis kontribusi pembiayaan mudharabah dan murabahah terhadap pendapatan operasional bank syariah Nurjannah, Novia Rosi
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 1 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v4i1.5421

Abstract

The purpose of this study was to determine the apalication of mudharaba and murabaha financing on BMI and the contributions made financing on operating revenues of bank as well as assessing the financial performance of bank through the financial statements and evaluating the suitability of the application that was done BMI with PSAK 105 and 102. This study used descriptive qualitative approach, namely by looking at the financial reports of 2014 and conducted interviews. This research was to know the implementation of murabaha and mudharaba financing to operating income as well as assessing the financial performance and evaluating the suitability of the application done BMI with PSAK 105 and 102. The results of this research shows that the implementation of murabaha and mudharaba financing provided funds to customers for investments and sold goods. Mean while the bank’s contribution to the operating income of the profit/ margin derived of financing. BMI operating income obtained from various bank products and services. Financial performance that was measured by financial ratios indicated that the value of ROA was well under the Bank Indonesia regulation and BOPO ratio values can be concluded that the effeciency of operational costs incurred by the bank in good condition and not in a state of trobled banks. The accounting treatment of murabaha and mudharaba financing which included presentation, measurement, disclosure adn recognition carried BMI in Accordance with the application of PSAK 102 and 102.
Analisis implementasi dan risiko pembiayaan perumahan dengan akad Murabahah dan musyarakah mutanaqisah Pitriani, Nurul Pitriani
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 1 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v4i1.5422

Abstract

The aim of this study is to know whether or not the implementation of contract of murabahah and musyarakah mutanaqisah is appropriate to literatures and fatwa dewan syariah Nasional about murabahah and musyarakah mutanaqisah. Qualitative research method is employed in this study. Both primary and scondary data are used in this research. Primary data is obtained by interviewing the unit of marketing of bank muamalat surabaya. Secondary data is obtained by studying the literatures and browsing on the official website of bank muamalat. The result of this study shows that the implementation of the contract of murabahah and musyarakah mutanaqisah is appropriate to fatwa Dewan Syariah Nasional No:73/DSN-MUI/XI/2008 about musyarakah mutanaqisah and Fatwa Dewan Syariah Nasional No:04/DSN-MUI/IV/2000 about Murabahah. Inexpediency of the contract of muabahah can be seen on determining the advance which is not based on the agreement between bank and client. The decision of the amount of the advance is based on bank’s policy. The acceptance of submission of financing application is based on client’s ability to pay the loan; it is obtained by accounting 35-40% of take home pay.concerning on the rate margin, of the contract of musyarakah mutanaqisah is 12.5% which is revised by ALCO (Asset and Liabilities Commitee) for every 1-2 year. The contract of murabahah, however, has three degrees of rate margin; 11.5% for 1-5 years, 15.5% for 6-10 years, and 16.5% for 11-15 years. Risk encountered by bank muamalat are financing risk, market risk, liquidity risk, operational risk, pursuance risk, strategic risk, reputation risk and law risk. The management of risk is done by the division of management of risk having its four department
Analisis just in time sebagai alat bantu perencanaan persediaan untuk memaksimalkan laba Segawati, Zen Nufus
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 1 (2016): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v4i1.5423

Abstract

The purpose of this study was to determine the application of JIT as inventory of planning to maximize profit at the karya perdana. This study used decriptive qualitative approach. Analysis of the data used the production cost analysis. Then, the analysis of the implemetation of JIT used the MPR for scheduling the purchaseof raw materials, the analysis of performance with line balancing to make improvements and production efficiencies. After that, compared the cost of production beforeand after implementing of JIT. The results showed that a decline in production costs after the implementation of JIT methods. By using the method of JIT, companies just made the purchase of raw materials used only as needed per day. This causes raw material costs decreased by 8.51%. with JIT method was also carried out repairs of production of cycle time for production effeciency at the cost of direct labor costs but no change whereas the use of engine-related electricity costs in overhead costs were calculated based on the actual production of cycle time thus causing a decrease in cost of 2.53%, as result of a decrease in these costs, the company had increased earnings by 6.67% comapared with the methods applied by the company without it

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