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El Dinar
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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
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Articles 154 Documents
Analisis model pengelolaan zakat dan wakaf (Studi Yayasan Yatim Mandiri Cabang Malang) Solekah, Nihayatu Aslamatis
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 2 (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 (3583.072 KB) | DOI: 10.18860/ed.v4i2.5459

Abstract

Among the objectives of waqaf in islam is the distribution of welfare among the people and poverty  eradication. When well managed endowments will support  the development both in economic, religious, social, cultural, political, defense and scurity. The purpose of this study was to examine the management model of zakat and waqf productive. The result of this study are expected to provide benefits to provide a more substantial to the scientists, researchers, readers and the public that there is a model of productive management of waqf grant that can be used as an example in the management of zakat and waqf productive. The result showed that the foundation is independent orphans have an independent organizational system, in which the form of institutions such as the institute amil zakat generally resulting in organizational system there is no interfence from goverment regulations. Constraints/ problems experienced in Yayasan Yatim Mandiri Malang from the internal aspect is the lack qualified Human Resources an Human Resource Capibility less creative. Constraints/ problems faced in the Orphan Foundation of Malang independent external aspect is still modest community thought lack of support from family. To resolve the internal problems of orphans independent foundation that is to prepare a Qualified Human Resource (Internal). As for the external problem than it should maximize the marketing and provide understanding to families or orphans
ANALISIS DAMPAK PEMBIAYAAN BANK UMUM SYARIAH PADA PERKEMBANGAN USAHA MIKRO, KECIL DAN MENENGAH DI INDONESIA (MENGGUNAKAN ANALISIS VECTOR AUTO REGRESSION) Imani, Safarinda Imani
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 6, No 1 (2018): 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 (817.3 KB) | DOI: 10.18860/ed.v6i1.5451

Abstract

This research was conducted to find out what happened in banking and in Indonesia. This study uses the budget of sharia banking financial statements and the development of annual umkm 2006-2017 in Indonesia. By using stata 13. With long-term results, the financing of Sharia Commercial Banks and the development of MSMEs in Indonesia affect each other can be viewed on tabular trace statistics 5% critical value, that is financing of sharia banks 32,927 15,41, while the development of MSMEs in Indonesia ie 5.0362 3.76. Variable variables affect SMEs with F. Statistics F. Table, where the variable cost 0.000 1%, 5%, 10%, while the variable development of SMEs 0.001 1%, 5%, 10%, other variables that affect the financing of SMEs.
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
Pengaruh Kualitas Pelayanan Perbankan Syariah Terhadap Kepuasaan Nasabah Mukaffi, Zaim Mukaffi; Pratomo, Ahmad Sidi; Choiruddin, Muhammad Nanang
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 2 (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 (4344.431 KB) | DOI: 10.18860/ed.v4i2.5460

Abstract

The research aims to; analyze whether the variable partial effect of service quality on customer satisfaction on Islamic Banking in Malang, determine and analyze whether the variable service quality simultaneously influence on customer satisfaction on Islamic Banking in Malang, knowing which variables among the service variable most dominant influence on on customer satisfaction on Islamic Banking in Malang. Analysis of the data in this study using multiple linear regression test subsequently used the F test, T and dominant to see the effect of each.The research result indicate that the value of F-test (3.722) F table (2.437) this indicates that variable tangibles, reliability, responsiveness, assurance, and empathy simultaneously (together) effect on customer satisfaction. While the partial test for tangibles variable (X1) where t test (1232) t table (2,571) this indicates that tangibles no effect on customer sataisfaction. For reliability (X2), t test (3428) t table (2571), that effect the reliability of customer satisfaction. For variable responsiveness (X3), t test (-.390) t table (2,571) responsiveness no effect on customer satisfaction. To guarantee (X4), t test (0.549) t table (2,571), variable warranty does not effect the customer satisfaction. For variable empathy (X5) regression coefficient of -0103, the t test (-0667) t table (2,571) and a variable empathy has no effect on customer satisfaction. While the dominant variable in yhe quality of services that effect customer satisfaction in the city of Malang Islamic Banking is variable Assurance (X$) with a contribution of 51%.
MEWUJUDKAN LEMBAGA KEUANGAN MIKRO SYARIAH BERBASIS LABORATORIUM Aisyah, Esy Nur; Siswanto, Siswanto Siswanto; Rahayu, Yayuk Sri
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 6, No 1 (2018): 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 (829.418 KB) | DOI: 10.18860/ed.v6i1.5452

Abstract

Educational institutions have a challenge to improve the quality of graduates who are highly competitive namely graduates who are able to adapt quickly to the work environment. This is a key indicator of the “links and match” between human resources need and education laboratories. The role of the real laboratory is very important to be used as a learning resource for Islamic banks as well as a medium of socialization or education within the scope of the academic community. This paper seeks to provide an overview based on the author's experience to realize or establish a real transaction laboratory for El-dinar Finance House, starting from the pioneering stage to the technical implementation which is synergized with the student learning model.
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.
Perencanaan Metode ABC sebagai Alternatif Penentuan Tarif Jasa Rawat Inap dalam Rangka Peningkatan Keunggulan Kompetitif Neni, Astari Mei
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 2 (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 (1949.588 KB) | DOI: 10.18860/ed.v4i2.5461

Abstract

The research purpose is to find out extent to which the application of actifity based costing (ABC) as an auxiliary apparatus management in order to the tariff is service inpatient ward to increase a competitive advantage in the hospital. This research using a method of quantitative descriptive then analyzed by activity based costing. Next comparing the fare long with the new rate based on fee-based costing activity. Then compare the new rate with the fare of another hospital in Blitar. There is a difference result of the calculation rate inpatient service using ABC method and the traditional method. The ABC method propose a hospital tariff in an effective and effecient rate, hencer it will enhance the hospital competitive advantage to other similiar institution
INVESTASI RAJA SALMAN DI INDONESIA DALAM PANDANGAN EKONOMI MAKRO ISLAM Ardiani, Ninda Ardiani
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 6, No 1 (2018): 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 (654.754 KB) | DOI: 10.18860/ed.v6i1.5453

Abstract

The purpose of this research is to look at the investment that King Salman has made in Indonesia in view of the macro-Islamic economy. Involvement of foreign parties here provides additional existing capital, lowers existing unemployment, improves development, increases selling products value in the country and the establishment of multiteral or bilateral cooperation. Foreign investment made by Saudi Arabia during 2016 is in position 57 of 121 existing Country. The investment made by Saudi Arabia is 0.9 USD and involves 44 Projects. The results of this study indicate that the granting of Saudi Arabia Investment to Indonesia in order to visit the king of salman to Indonesia gave a positive impact that is approved by the cooperation of oil refinery in cilacap. Investments in Islamic Economy Countries are underpinned by Three Factors, namely (1) there are sanctions against the less or unproductive holder (hoarding idle assets); (2) prohibited from any form of speculation and all kinds of gambling; (3) the interest rate of various loans is zero
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 Pengaruh Rasio CAR, NPF, BOPO, ROA dan FDR terhadap tingkat Kesehatan Bank Umum Syariah di Indonesia Festiani, Eva Ratna
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 4, No 2 (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 (3131.619 KB) | DOI: 10.18860/ed.v4i2.5462

Abstract

This study aims to analyse the influence of the ratio of capital Adequacy Ratio, NPF, BOPO, ROA dan FDR againts Islamic Commercial bank soundness. This research is a quantitative study using secondary data obtained from the annual reports in Indonesian Iskamic Banks published by Bank Indonesia and the data bank health ratings obtained from annual reports of Islamic Banks and bank info research. Thus, the sample used by 11 Islamic Banks. This study use a model of ordinal Logit Regression analysis to analyze the effect of the ratio Of Capital adequacy Ratio, NPF, BOPO, ROA and FDR. The result showed that the non performing Financing (NPF) Operating Income and Operating expenses significant effect on the health of banks with significant value and NPF 0,040 0,020 Operating Expenses Operating Income, While the capital Adequacy Ratio, ROA, FDR did not have a significant influence on the health of banks, due to the significant value of each variable is more than 0.05 (p5%).

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