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At-Taradhi: Jurnal Studi Ekonomi
Published by Universitas Islam Negeri Antasari Banjarmasin
ISSN : 19793804     EISSN : 25489941     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
At-Taradhi: Jurnal Studi Ekonomi:This journal is published twice a year in June and December with a focus on economics and the like with the same science
Arjuna Subject : -
Articles 435 Documents
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AKAD MURABAHAH PADA BANK SYARIAH Pitaloka, Anjar Adrias
At-Taradhi Vol 6, No 2 (2015)
Publisher : IAIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v6i2.715

Abstract

Abstract: The emergence of Islamic Banking is triggered by the support of banking expert and Islamic economics and Muslims in the country and abroad which requires that banks practice in accordance with the Qur’an and Hadith and do not allow usury. In Indonesia, SyariahBank is known since 1992, while in Egypt there have already loan banks with profit-sharing system since 1963. In giving financing to customers, most of SyariahBank use Murabahah or commonly called bai ‘al-murabaha. The Akad contains a number of rights and obligations for the parties, namely the Syariah Bank and the customer as the applicant of Murabahah Financing Agreement. The financing required by the customer to purchase goods from a supplier and then sell it to customers by adding the advantagecost (cost plus profit) andthis is done through prior negotiations between the bank and the customer concerned.
FORMULASI FUNGSI MASLAHAH DALAM PERILAKU KONSUMSI RUMAH TANGGA MUSLIM SYAPARUDDIN, SYAPARUDDIN
At-Taradhi Vol 6, No 1 (2015): Ilmu Ekonomi
Publisher : IAIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v6i1.709

Abstract

Abstract: This study aims to discuss about how the function of maslahah (utility) could be fomulated inthe consumtion behavior of a house hold. The function of maslahah in the consumtion behavior isformulated as this equation: M = f ( X, Y, Bx, By). Based on this model, it could be expalained thatmaslalah is the outcome of an activity which can bring about berkah (benediction). In consequence, eachmoslem house hold will pay a big attantion to maslahah to do his economic goals. A moslem house holdwill select a good or service to consume if it will bring about berkah or not. It means that a moslemhouse hold doesn’t see the utility of the good or service which he will consume only, but also berkahwhich the good or service has. The behavior of finding berkah for a moslem house hold could be seenthrough his characters such as not wastefull, paying attantion to another person’s interest, not deceivingsomeone else, and rightfull.
EFEK CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, DAN OPERATIONAL EFFECIENCY RATIO ATAS RETURN ON ASSET PADA BANK UMUM SYARIAH MILIK NEGARA Achmad, Achmad
At-Taradhi Jurnal Studi Ekonomi Vol 9, No 2 (2018)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (409.277 KB) | DOI: 10.18592/at-taradhi.v9i2.2514

Abstract

Return on asset adalah salah-satu rasio profitabilitas yang digunakan untuk mengukur efektifitas perusahaan dalam menghasilkan keuntungan dari total aktiva yang digunakannya. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh tingkat kinerja bank yang diukur dengan Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Operational Effeciency Ratio (OER) terhadap Return On Asset (ROA) pada bank umum syariah milik negara. Teknik analisis data menggunakan analisis regresi data panel dengan alat bantu uji berupa Eviews 07. Dari hasil analisis yang telah dilakukan, pemilihan  model yang paling tepat digunakan ialah model Fixed Effect, karena dianggap lebih baik dari pada model Common Effect maupun model Random Effect. Selanjutnya, secara simultan variabel CAR, NPF, dan OER berpengaruh terhadap ROA. Pengujian secara parsial menunjukkan bahwa variabel CAR tidak berpengaruh secara signifikan dan negatif terhadap ROA. Variabel NPF secara parsial tidak berpengaruh secara signifikan dan positif terhadap ROA. Dan variabel OER secara parsial  berpengaruh secara signifikan dan negatif terhadap ROA.
FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN KONSUMEN BERBELANJADI HYPERMART DUTA MALL BANJARMASIN HELMI, RAHMAN
At-Taradhi Jurnal Studi Ekonomi Vol 6, No 2 (2015)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (251.527 KB) | DOI: 10.18592/taradhi.v6i2.719

Abstract

Abstract: The purpose of this study was to determine the effect of simultaneous cultural, social, personal, and the psychology of the consumer's decision to shop at Hypermart Duta Mall Banjarmasin, and to determine the dominant influence between the cultural, social, personal, and the psychology of the consumer's decision to shop at HypermartDuta Mall Banjarmasin.The analytical method used is multiple linear regression with SPSS.The results of the multiple linear regression analysis showed there are significant cultural, social, personal and psychological simultaneously to the consumer's decision to shop at Hypermart Duta Mall Banjarmasin, seen from the sig value obtained was 0,000.Partially there are three factors that influence the consumer's decision to shop at Hypermart Duta Mall Banjarmasin, namely, social factors, personal, and psychology.The dominant psychological factors influence the decision of consumers to shop at Hypermart Duta Mall Banjarmasin.
APLIKASI AKUNTANSI DEPOSITO MUDARABAH PADA LEMBAGA KEUANGAN SYARIAH NON BANK DI BANJARMASIN Hariyanto, Hariyanto
At-Taradhi Jurnal Studi Ekonomi Vol 5, No 2 (2014)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (373.486 KB) | DOI: 10.18592/taradhi.v5i2.226

Abstract

this research aims to know the application of PSAK accounting 101 about Islamic finance report and PSAK NO. 105 of mudarabah to product depositing mudarabah in an exemplary KJKS Banjarmasin and Independent Companions Banjarmasin, UJKS and constraints encountered in the recording of accounting. This research is qualitative research interview method and documentation. This type of research is the research field (field research). Through qualitative descriptive analysis techniques. This research resulted in the application of accounting deposits mudaraba based on PSAK NO. 105. KJKS Example already implement thoroughly on the rules contained in the financial reports of 101 PSAK syariah and PSAK NO. 105 temporary syirkah funds of mudaraba, while Independent Companions UJKS not yet fully apply PSAK NO. 101 and PSAK NO. 105. While the obstacles faced in recording accounting mudaraba deposits i.e. HR lack of knowledge about the Islamic accounting and the lack of number of employees in the finance or accounting
IMPLEMENTATION OF ECONOMIC DEMOCRACY PRINCIPLE IN ISLAMIC BANKING POLICIES THROUGH FINANCIAL SERVICES AUTHORITY (FSA) IN INDONESIA Hidayat, Yusup; Fuad, Fokky; Nurhidayati, Maslihati
At-Taradhi Jurnal Studi Ekonomi Vol 8, No 2 (2017)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (276.888 KB) | DOI: 10.18592/at-taradhi.v8i2.1996

Abstract

Abstract: The enactment of Law No. 21 Year 2011 on the Financial Services Authority (FSA) made the regulation and supervision of financial institutions both banks and nonbank be integrated, including the regulation and supervision of sharia financial institutions in which there is sharia Islamic Banking. One of the principles of Islamic banking, as stated in Law No. 21 of 2008 concerning Islamic Banking is the Principle of Economic Democracy. In the implementation of the principle of economic democracy that the FSA has a significant role in pushing the Islamic banking institution to utilize its resources to promote the local economy, especially groups of people whose economic access is still minimal. In 2014, the FSA issued Regulation No. 19 in relation to inclusive finance. In these regulations, the FSA encourages banking institutions to provide banking services to people who have been marginalized through the branchless bank program. This POJK  applies to both conventional banking and Islamic banking. Some conventional banks have been undertaking this program with a wide range of dynamics. Some Islamic banks have been also undertaking it, while others are still at the preparation stage. This paper will analyze the regulations issued by the FSA in order to encourage Islamic banking institutions in actualizing the principle of economic democracy, especially in relation to inclusive finance program. The research method used in this article is normative juridical with the support of primary source through the FSA.Abstrak: Berlakunya Undang-Undang Nomor 21 Tahun 2011 tentang Otoritas Jasa Keuangan (OJK) menjadikan pengaturan dan pengawasan Lembaga Keuangan baik Bank maupun Nonbank menjadi terintegrasi, termasuk pengaturan dan pengawasan Lembaga keuangan syariah yang di dalamnya terdapat Perbankan Syariah.  Salah satu asas Perbankan syariah sebagaimana tertuang dalam Undang-Undang No. 21 tahun 2008 tentang Perbankan Syariah adalah Asas Demokrasi Ekonomi. Dalam implementasi asas demokrasi ekonomi tersebut OJK memiliki peran signifikan dalam mendorong lembaga perbankan syariah untuk mendayagunakan sumber daya yang dimiliki untuk memajukan ekonomi masyarakat terutama kelompok masyarakat yang secara akses ekonomi masih minim.  Pada tahun 2014 OJK mengeluarkan Peraturan OJK No 19 terkait dengan keuangan Inkusif. Dalam peraturan tersebut OJK mendorong lembaga perbankan untuk memberikan layanan jasa perbankan kepada masyarakat yang selama ini termarginalkan melalui program Laku Pandai. POJK ini berlaku baik untuk perbankan konvensional maupun perbankan syariah. Beberapa bank konvensional sudah meakukan program ini dengan berbagai macam dinamikanya. Sementara itu bank syariah juga sebagian ada yang sudah menjalankan sementara yang lain masih pada tahap persiapan. Tulisan ini akan menganalisis peraturan-peraturan yang dikeluarkan OJK dalam mendorong lembaga perbankan syariah dalam mewujudkan asas demokrasi ekonomi terutama terkait dengan program keuangan inklusif. Metode penelitian pada penelitian adalah yuridis normatif dengan dukungan data-data primer melalui pihak OJK.Keywords: Banking service, economic, financial, democracy.
PRINSIP-PRINSIP EKONOMI ALQURAN Ruslan, Ruslan
At-Taradhi Jurnal Studi Ekonomi Vol 3, No 1 (2012): JURNAL STUDI EKONOMI
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v3i1.579

Abstract

This article uses historical, philosopical and legal approaches. It is historical for it traceseconomic activities back to the time of prophet Adam until prophet Muhammad. It is at the sametime, philosopical and legal in nature because there are discussions on some Quranic precepts oneconomy that need to be obliged. The four principles of Quranic economy are tauhid, balance,free will and responsibility. Starting from tauhid, a Muslim believes that his prayers and devotions,his life and death are only for Gods sake. With balance, it is expected that no inflation, economicrecession and depression occur. With free will and responsibility, economic actors are expected towork hard and execute Gods mandates.
ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI KEPUASAN PENGGUNA ATM BNI SYARIAH DI BANJARMASIN HARIYANTO, HARIYANTO
At-Taradhi Jurnal Studi Ekonomi Vol 4, No 1 (2013)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (423.027 KB) | DOI: 10.18592/taradhi.v4i1.84

Abstract

The amount obtained from customer satisfaction customer satisfaction score which statesany one customer to several factors: ease of BNI Syariah bank ATM card, ATM card facilities andlocation BNI Syariah BNI bank ATM machines. The research was conducted through primary datacollection with tools questionnaire, given to the customers BNI Syariah Branch ATM usersBanjarmasin. The data obtained is then tabulated to obtain the influence of independent variables onthe dependent variable used. The results and analysis indicate that all the independent variables areused together proven and partially affect customer satisfaction as well as the factors most dominantinfluence customer satisfaction that BNI bank ATM locations.
ANALISIS FAKTOR YANG MEMENGARUHI PERILAKU PEDAGANG ETNIK TIONGHOA DALAM MEMANFAATKAN JASA BANK SYARIAH Gafur, Abdul
At-Taradhi Jurnal Studi Ekonomi Vol 5, No 2 (2014)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (290.587 KB) | DOI: 10.18592/taradhi.v5i2.221

Abstract

The existence of a number of ethnic Chinesetraders who usingthe services of sharia bank constitute the interested phenomenon to be studied and analyzed using factor analysis techniques. As a result, factor of religion, attitude, and social status are the most dominant factor that influence their behavior towards Islamic banks.
Ayat-Ayat Riba dalam Al-Qur’an: Pendekatan Historis Ruslan, Ruslan
At-Taradhi Jurnal Studi Ekonomi Vol 7, No 1 (2016)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (4632.938 KB) | DOI: 10.18592/at-taradhi.v7i1.1978

Abstract

Abstract: The verses on usury(riba) appeared in two periods; Makiyah and Madaniyah. Scholars disagree about the revelations of usury. Some people think that is the refection of the usury laws while others looked at the verses stand alone. When people understood them independently of all the words usury in the Qur'an connotes illegal except al-Rum (30): 39 there is a commentator who argue that the word usury in this verse is not prohibited usury because it means gifts so that there are two kinds of usury: illegal and legal usury. The writer tends to say in this verse that there is already nash signal (siyāqul kalam) that led to the prohibition of usury. Its law Illat of usury practice can be destructive to the economy of the people / society, market imbalances and injustices. Therefore, the author also suggests hindering usury with all its forms and be careful of conventional banks and modern fnancial that wants to help the economy of the people. Although now banks and fnancial are very modern.Abstrak: Ayat-ayat tentang riba turun di dua periode; Makiyah dan Madaniyah. Ulama berbeda pendapat tentang ayat-ayat riba. Ada yang beranggapan mencerminkan tahapan hukum riba dan sementara yang lain memandangnya ayat-ayatnya berdiri sendiri. Bila dipahami secara mandiri semua kata riba yang ditunjuk Alquran berkonotasi haram kecuali al-Rūm (30): 39 ada mufassir yang berpendapat riba dalam ayat ini bukan riba yang dilarang karena berarti hadiah (pemberian) sehingga ada dua riba: riba haram dan riba halal. Penulis cenderung mengatakan dalam ayat ini sudah ada isyarat nash (siyāqul kalam) yang mengarah kepada dilarangnya riba. Illat hukumnya praktik riba dapat merusak tatanan ekonomi umat/masyarakat, ketidak-seimbangan pasar, dan ketidakadilan. Oleh karena itu penulis juga menyarankan jauhilah riba dengan segala bentuknya dan berhati-hati terhadap bank-bank konvensional dan fnansial-fnansial modern yang berdalih membantu perekonomian umat. Walaupun bank-bank dan fnansial-fnansial yang ada sekarang sudah sangat modern.

Page 8 of 44 | Total Record : 435

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