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Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
Arjuna Subject : -
Articles 16 Documents
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Search results for , issue "Vol. 7 No. 6 (2020): Juni-2020" : 16 Documents clear
THE DIFFERENCE OF ABNORMAL RETURNS BETWEEN BEFORE AND AFTER THE FRIDAY EFFECT IN THE INDONESIA STOCK EXCHANGE (EVENT STUDY OF CONSUMPTION SECTOR COMPANIES IN JAKARTA ISLAMIC INDEX IN 2018 Dewi Astuti; Muhammad Nafik Hadi Ryandono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1018-1024

Abstract

Friday effect is a form of a market anomaly (deviation) that is contrary to the efficiency market, marked by high stock returns on Friday. The Friday effect phenomenon is an event or strategy which, if predictable, will be used by investors to get more profit (abnormal profit). This study aims to look at the effect of the Friday effect on abnormal returns in the consumption sector companies in the Jakarta Islamic Index (JII) in 2018, which is shown by whether there are differences in abnormal returns before and after Friday. The approach used in this study is a quantitative approach and testing the hypotheses that have been set. The method used is event study, with an observation period of 9 days, namely t - 4 (4 days before Friday), t = 0 (on Friday / event date) and, t + 4 (4 days after Friday). Hypothesis testing uses paired samples t-tests. The results of this study are based on these statistical tests with a significant level (α) = 0.05 producing a probability value of 0.784. This means that there is no difference in abnormal returns before and after Friday trading.Keywords: Friday Effect, Abnormal return, event study, Efficient Market, Jakarta Islamic Index (JII)REFFERENCE Fakhruddin, T. D. (2011). Pasar modal di Indonesia. Jakarta: Salemba Empat.Gumanti, T. A. (2011). Manajemen investasi: Konsep, teori dan aplikasi. Jakarta: Mitra Wacana Media.Lestari, W. R. (2011). Pengaruh weekend effect terhadap return saham di Bursa Efek Indonesia. Jurnal manajemen dan Keuangan, 9(1), 31-41.Luhgiatno. (2011). Analisis weekend effect terhadap return saham di Bursa Efek Indonesia. Fokus Ekonomi, 7(1), 2-3. DOI: https://doi.org/10.34152/fe.7.1.%25pSutedi, A. (2011). Pasar modal syariah: Sarana investasi keuangan berdasarkan prinship syariah. Jakarta: Sinar Grafika.
Journal Cover Vol 7, No 6 (2020) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp%p

Abstract

THE DESCRIPTIVE ANALYSIS OF THE SERVICE QUALITY DIMENSION OF MOBILE BANKING (M-BANKING) ON THE SATISFACTION OF SHARIA BANKING CUSTOMERS Charissa Kezia Rahmawati; Bayu Arie Fianto
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1118-1127

Abstract

This research presents an initial study of customer satisfaction as measured by five mobile banking (m-banking) quality services dimensions using descriptive statistics and mean score. The survey data were obtained from 100 respondents of mobile banking (m-baking) users by using a purposive sampling method. The data is processed using validity and reliability test to check the quality of the data. The results shown in this research are explanatory or extracting information on which factors the customer shows high and low satisfaction.Keywords: Customer Satisfaction, Descriptive Statistic, Mobile Banking, Quality Service DimensionREFFERENCE Arcand, M., Promtep, S., & Brun, I. (2016). Mobile banking service quality and customer relationships. International Journal of Bank Marketing, 35(7), 1068-1089. DOI: https://doi.org/10.1108/IJBM-10-2015-0150Azwar, S. (2012). Penyusunan skala psikologi, edisi kedua. Yogyakarta: Pustaka Pelajar.Baabdullah, A. M., Alalwan, A. A., Rana, N. P., Kizgin, H., & Patil, P. (2019). Consumer use of mobile banking (M-Banking) in Saudi Arabia: Towards an integrated model. International Journal of Information Management, 44(September 2018), 38–52. Clemes, M. D., Cohen, D. A., Wang, Y., Clemes, M. D., Cohen, D. A., & Wang, Y. (2013). Understanding Chinese university students ’ experiences: an empirical analysis. Asia Pacific Journal of Marketing and Logistics, 25(3), 391-427. DOI: 10.1108/APJML-07-2012-0068Hamidi, H., & Safareeyeh, M. (2019). A model to analyze the effect of mobile banking adoption on customer interaction and satisfaction: A case study of m-banking in Iran. Telematics and Informatics, 38(May 2019), 166–181. Harris, L. C., & Goode, M. M. H. (2010). Online servicescapes, trust, and purchase intentions. Journal of Services Marketing, 24(3), 230–243. Kotler, Phillip, Amstrong, & Gary. (2012). Principles of marketing (14th ed.). New Jersey: Pearson Hall.Lee, K. C., & Chung, N. (2009). Understanding factors affecting trust in and satisfaction with mobile banking in Korea: A modified DeLone and McLean’s model perspective. Interacting with Computers, 21(5–6), 385–392. Mehmet Haluk Koksal. (2016). The intentions of Lebanese consumers to adopt. International Journal of Bank Marketing, Vol. 34(3), 327-346. DOI: https://doi.org/10.1108/IJBM-03-2015-0025OJK. (2017). Prinsip dan konsep dasar perbankan syariah. Jakarta: OJK.Rustam, B. R. (2018, Oktober). Perbankan syariah era digital. Koran Jakarta.Shaikh, A. A., & Karjaluoto, H. (2015). Telematics and Informatics Mobile banking adoption: A literature review. Telematics and Informatics, 32(1), 129–142. Tam, C., & Oliveira, T. (2015). Literature review of mobile banking and individual performance. International Journal of Bank Marketing, 35(7), 1044-1067. DOI: https://doi.org/10.1108/IJBM-09-2015-0143Toor, A., Hunain, M., Hussain, T., Ali, S., & Shahid, A. (2016). The impact of E-banking on customer satisfaction: Evidence from banking sector of Pakistan. Journal of Business Administration Research, 5(2), 27–40. Yuliardi, R., & Nuraeni, Z. (2017). Statistika penelitian plus tutorial SPSS, edisi pertama. Yogyakarta: Innosain.
EMPOWERING MICRO-ENTERPRISES WITH AN INTEREST-FREE LOAN: A CASE STUDY OF LAZISMU SURABAYA Danastri Nisita Alyani; R. Moh. Qudsi Fauzi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1164-1177

Abstract

MSMEs have an important role in the growth of Indonesian economy. However, one of the obstacles that MSMEs have to face’s the lack of capital, MSMEs can’t develop if they don’t have capital. Capital can be provided by banks but not all MSMEs can apply for a loan from banks because of certain conditions. In this case, non-bank financial institutions can take over, including zakat institutions. LAZISMU Surabaya is one of zakat institution under authority of Muhammadiyah, which the object of research, has a program called Bina Mandiri Wirausaha (BMW) that fostering about 100 MSMEs owners. The purpose of this research is to determine the role of interest-free loans programmed by LAZISMU Surabaya, in order to answer the research gap that all informants are empowered after receiving an interest-free loan. This study used a qualitative descriptive method by utilizing in-depth interviews with 12 informants consisting of MSME owners and an administrator of LAZISMU Surabaya. Indicators of empowerment in this study are capital, income, sales volume, independence, religiosity, and the ability to give alms. If all indicators are fulfilled by MSME owners, it can be concluded that the role of LAZISMU Surabaya in empowering MSMEs is successful. The finding of this research shows that LAZISMU Surabaya has succeeded in empowering MSMEs.Keywords: Empowerment, MSMEs, LAZISMU, Zakat Infaq and ShadaqahREFFERENCE Kementerian Koperasi dan UMKM. (2020). Teten target lima tahun ke depan sebanyak 48.000 usaha kecil naik kelas. Jakarta: Kementerian Koperasi dan UMKM Republik Indonesia. Diakses dari http://www.depkop.go.id/ Pricewaterhouse Coopers Indonesia. (2019). Survei PwC: 74% UMKM belum dapat akses pembiayaan. Jakarta: Pricewaterhouse Coopers Indonesia. Diakses dari https://www.pwc.com/Republik Indonesia. (2008). Undang-Undang Republik Indonesia No. 20 Tahun 2008 Tentang Usaha Mikro, Kecil, dan Menengah. Diakses dari https://www.bi.go.id/ Kementerian Perdagangan. (2013). Analisis peran lembaga pembiayaan dalam pengembangan UMKM. Jakarta: Kementerian Perdagangan Republik Indonesia. http://bppp.kemendag.go.id/Winarni, Endang Sri. (2006). Strategi pengembangan usaha kecil melalui peningkatan aksesibilitas kredit perbankan.Ali, Zainuddin. (2008). Hukum perbankan syariah. Jakarta: Sinar Grafika.Azis, Harry Azhar. (2017). Zakat & pemberdayaan. Surabaya: Airlangga University Press.Kementerian Agama. (2019). Implementasi Sifat Ta'awun dalam lembaga keuangan syariah melalui akad al –qardh. Jakarta: Kementerian Agama Republik Indonesia. Diakses dari https://moraref.kemenag.go.id/Sudarsono, Heri. (2008). Bank & lembaga keuangan syari’ah. Yogyakarta: Ekonisia.Damanik, Janianton et al. (2018). Membangun pariwisata dari bawah. Yogyakarta: Gadjah Mada University Press.Kartasasmita, G. (1997). Pemberdayaan masyarakat konsep pembangunan yang berakar pada masyarakat. Bandung: Institut Teknologi Bandung.Hanifah, R. (2017). Pengaruh pengetahuan kewirausahaan dan keterampilan wirausaha terhadap keberhasilan usaha Sentra Wajit Cililin di Kecamatan Cililin Kabupaten Bandung Barat. Bandung. Skripsi tidak diterbitkan. Bandung: Unikom.Suryana. (2011). Kewirausahaan. Jakarta: Salemba Empat. Susilo, A. (2016). Model pemberdayaan masyarakat perspektif Islam. Falah: Jurnal Ekonomi Syariah, 1(2). DOI: https://doi.org/10.22219/jes.v1i2.3681Sany, Ulfi Putra. (2019). Prinsip-prinsip pemberdayaan masyarakat  dalam perspektif al-qur’an. Jurnal Ilmu Dakwah, 39(1), 32-44.Lexy J. Moleong. (2005). Metodologi penelitian kualitatif. Bandung: Remaja Rosdakarya.Nazir, Moh. (1998). Metode penelitian. Jakarta: Ghalia Indonesia.
THE BUDGETING PROCESS IN THE NATIONAL AMIL ZAKAT AGENCY OF NURUL HAYAT Dimas Mulya Pratama; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1036-1050

Abstract

This research aims to find out the budgeting process of the National Amil Zakat Agency (LAZNAS) Nurul Hayat. The research data was obtained through the Nurul Hayat Foundation. The method used is a qualitative approach with a descriptive case study method. Data collection techniques using direct interviews. Interviews were conducted with the Director of Finance, Director of Operations, Director of Empowerment, and Director of ZIS. The analysis technique uses data collection, data reduction, data presentation, and drawing conclusions. The results of this study indicate that LAZNAS Nurul Hayat is an institution that uses a mixed method; the budgeting process includes the stages of preparation, budget ratification, implementation, and evaluation reporting. The budget system used is in accordance with a non-profit legal entity in the form of a foundation as stipulated in Law Number 28 of 2004.Keywords: budgeting process, non-profit, Nurul HayatREFFERENCE Kementerian Agama RI. (2017). Al-Qur’an dan terjemahnya. Jakarta: Adhi Aksara Abadi Indonesia.Anthony dan Govindarajan. (2005). Manajement control system, edisi 11, buku 2. Jakarta: Salemba Empat.Harahap, Don R. & M.M. Mowen. (2009). Akuntansi manajerial, edisi 8. Jakarta: Salemba Empat.Mardiasmo. (2002). Akuntansi sektor publik. Yogyakarta: Andi.Miles, B. Matew dan Michael Huberman. (1992). Analisis data kualitatif (buku sumber tentang metode-meode baru). Jakarta: UIPMunandar, M. (2001). Budgetting perencanaan kerja pengkoordinasian kerja pengawasan kerja. Yogyakarta: BPFEE-Yogyakarta.Mahsun, M. (2009). Pengukuran kinerja sektor publik. Yogyakarta: BPFE Yogyakarta.Nainggolan, Pahala. (2012). Manajemen keuangan lembaga nirlaba. Jakarta: Yayasan Bina Integrasi Edusi (YBIE).Nugraha, Adi. (2013). Analisis proses penyusunan rencana kerja dan anggaran Tahun 2013. Depok: Fakultas Ekonomi UI.Pandu, Tri M. P. (2013). Studi kasus proses penyusunan anggaran Badan Amil Zakat Nasional (BAZNAS). Depok: Fakultas Ekonomi UI.UU No 23 Tahun 2011 tentang Pengelolaan Zakat.Welsch, Glenn A. (1964). Budgeting profit planing and control, fourth edition. New Delhi: Prentice Hall of India Private Limited.Yin, Ribert K. (2012). Studi Kasus: Desain dan Metode. Jakarta: PT. Raja Grafindo Persada.
THE ANALYSIS OF FACTORS THAT INFLUENCE ECONOMIC GROWTH IN OKI Wheni Yeisa; Lina Nugraha Rani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1128-1145

Abstract

Economic growth is an indicator that plays an important role in determining the prosperity of a country. This study aims to analyze the effect of labour force, international trade, and inflation towards economic growth in OIC countries over the period 2007 to 2018. Panel data regression analysis approach was adopted to analyze the effect of independent variables on the dependent variable. The results of the fixed effect estimation model found that all variables simultaneously had a significant effect on economic growth. Partially, labour force and internasional trade have a significant effect, while inflation has no significant effect on economic growth. The results of this study can be used as a reference and evaluation materials for policy makers.Keywords: Labour Force, International Trade, Inflation, Economic Growth, Organizations of Islamic CooperationREFFERENCE Ahmad Bhat, Shariq dan Mahboob R.L. (2017). Interest rate, inflation rate, and gross domestic product of India. International Journal of Technical Research & Science, 1(9), 284-288. Al-Faizin, Abdul Wahid, dan Nashr Akbar. (2018). Tafsir ekonomi kontemporer: Menggali teori ekonomi dari ayat-ayat al-qur’an. Jakarta: Gema Insani.Amir, H., Khan, M., & Bilal, K. (2015). Impact of educated labor force on Economic growth of Pakistan: A human capital perspective. European Online Journal of Natural and Social Sciences, 4(4), 814–831.Atoyebi et al. (2012). Foreign trade and economic growth in Nigeria: An empirical analysis. American Academic and Scholarly Research Journal, 4(5), 1-12. Cahyadin, Malik dan Sarmidi, Tamat. (2019). The Impact of foreign direct investment, labour force, and external debt on economic growth in Indonesia and Malaysia. Jurnal Ekonomi Malaysia, 53(1), 171-185.Halim, Abdul M. (2018). Teori ekonomi makro, edisi ketiga. Bogor: Mitra Wacana Media.Iqbal, Nasir and Saima, Nawaz. (2010). Investment, inflation and economic growth nexus. Munich Personal RePEc Archive No. 27163, posted 02 Dec 2010.Ibn Khaldun. (2011). Muqadimmah: terj. Masturi Irham, dkk. Jakarta: Pustaka Al-Kautsar.International Labour Organization (https://www.ilo.org/global/topics/forced-labour/) diakses 10 Februari 2020)Iskandar, Putong. (2013). Economics, pengantar mikro dan makro, edisi kelima. Jakarta: Mitra Wacana Media.ILO, OECD & World Bank Group. 2015. The contribution of labour mobility to economic growth. G20 labour and employment ministers’ meeting. Turkey.Kasmir. (2013). Perbankan Syariah. Jakarta: Kencana.Kementerian Agama Republik Indonesia. (2020). Al-Qur’an dan terjemahan (https://quran.kemenag.go.id), (diakses 15 Januari 2020)Kim, D.-H., & Lin, S.-C. (2009). Trade and growth at different stages of economic development. Journal of Development Studies, 45(8), 1211-1224.Kovac, Ivana. (2013). The influence of international trade of goods of the Republic of Croatia. Journal of Enterprising Communities: People and Places in the Global Economy, 7(1), 60-73. DOI: https://doi.org/10.1108/17506201311315617 Manulang, M. (2013). Manajemen sumber daya manusia. Bandung: Cipta Pustaka Media Perintis.Mohseni, M., & Jouzaryan, F. (2016). Examining the Effects of Inflation and unemployment on economic growth in Iran (1996-2012). Procedia Economics and Finance, 36(16), 381–389.Muhammad, Qazi dan Hye, Adnan. (2012). Exports, imports and economic growth in China: an ARDL analysis. Journal of Chinese Economic and Foreign Trade Studies, 5(1), 42-55.Munir, Qaiser, M. Kasim, & F. Furuoka. (2009). Inflation and economic growth in Malaysia. A threshold regression approach. ASEAN Economic Bulletin, 26(2), 108-93.Murni, Asfia Murni. (2013). Ekonomika makro. Bandung: PT. Refika Aditama. Organization of Islamic Cooperation (online) (https://www.oic-oci.org, diakses 10 Januari 2020)Pujoalwanto, Basuki. (2014). Perekonomian Indonesia: Tinjauan historis, teoritis, dan empiris. Yogyakarta: Graha Ilmu.Raghutla, C., & Chittedi, K. R. (2020). Is there an export- or import-led growth in emerging countries? A case of BRICS countries. Journal of  Public Affairs, 1-12. DOI: https://doi.org/10.1002/pa.2074Rahardjo Adisasmita. (2013). Teori-teori pembangunan ekonomi, pertumbuhan ekonomi dan pertumbuhan wilayah, cetakan pertama. Yogyakarta: Graha Ilmu.Rozalinda. (2014). Ekonomi Islam teori dan aplikasinya pada aktivitas ekonomi. Jakarta: Raja Grafindo Persada.Sidra, Nazir et al. (2017). Threshold modeling for Inflation and GDP Growth. Munich Personal RePEc Archieve.S. H. Manulang. (2010). Pokok-pokok hukum ketenagakerjaan di Indonesia. Jakarta: Rineka Cipta.Shihab, M. Quraish. (2017). Tafsir al-misbah (pesan, kesan, dan keserasian Al-Qur’an), Vol 5 . Jakarta: Pelita Hati.__________________. (2017). Tafsir al-Misbah (Pesan, Kesan, dan Keserasian Al-Qur’an), Vol 6. Jakarta: Pelita Hati.__________________. (2017). Tafsir al-Misbah (Pesan, Kesan, dan Keserasian Al-Qur’an), Vol 10. Jakarta: Pelita Hati.__________________. (2017). Tafsir al-Misbah (Pesan, Kesan, dan Keserasian Al-Qur’an), Vol 14. Jakarta: Pelita Hati.Shochrul R, Ajija, dkk. (2011). Cara cerdas menguasai E-Views. Jakarta: Salemba Empat.Statistical, Economic and Social Research and Training Centre for Islamic Countries (SESRIC). (2019). OIC economic outlook 2019, mobilizing financial resources for development. Publication Department, SESRIC.Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif dan R&D. Bandung: CV Alfabeta.Sukirno, Sadono. (2013). Makro ekonomi: Teori pengantar, edisi ketiga. Jakarta: Penerbit Rajawali Pers.Suparmoko, M dan Sofilda, E. (2017). Pengantar ekonomi makro, edisi 5. Bogor: In Media.Sustainable Development Goals (2017) (https://www.un.org/sustainabledevelopment/ diakses 10 Februari 2020)Syauqi, Irfan. (2016). Ekonomi pembangunan syariah. Jakarta: PT Raja Grafindo Persada.Thanh, S. D. (2015). Threshold effects of inflation on growth in the ASEAN-5 countries: A PSTR approach. Journal of Economics, Finance and Administrative Science, 20(2015), 41–48.United Nations Statistics Division (2017) (https://www.un.stats.org/ diakses 29 Februari 2020).Widarjono. Agus. 2018. Ekonometrika teori dan aplikasi untuk ekonomi dan bisnis. Yogyakarta: Ekonisia.World Bank (https://data.worldbank.org/indicator, diakses 15 Januari 2020)Xiao, J. (2009). The Relationship between inflation and economic growth of China: Empirical study from 1978 to 2007. Lund University School of Economic and Management.Yakubu, M. M., Akanegbu, B. N., & Jelilov, G. (2020). Labour force participation and economic growth in Nigeria. Advances in Management & Applied Economics, 10(1), 1-14.
THE IMPACT OF PRODUCTIVE ZAKAT EMPOWERMENT IN THE LEVEL OF MUSTAHIK SUCCESS (CASE STUDY OF IZI LAZ SURABAYA) Andi Asmarani Husein; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1051-1059

Abstract

This research is to serve the information on the role of productive zakat empowerment that affects the success of mustahik efforts by IZI LAZ Surabaya. This research uses the qualitative research method, which is narrative descriptive with a study case research technique. This research object is the alms empowerment program by IZI LAZ Surabaya. It is located in Kalipare village, Malang, Jawa Timur. The result of this research shows that the empowerment by IZI affects mustahik’s development. In the beginning, the mustahik in Kalipare, Malang are lack of employment. With the shuttlecock industry that is empowered by IZI LAZ Surabaya, they managed to lure the people and open new employments for mustahik in Kalipare.Keyword: Empowerment, Productive zakat, MustahikREFFERENCE Suprayitno, Eko. (2005). Ekonomi Islam: Pendekatan ekonomi makro Islam dan konvensional. Yogyakarta: Penerbit Graha Ilmu.Thoriquddin, Moh. (2015). Pengelolaan zakat produktif perspektif maqasid al-syari’ah ibnu ‘asyur. Malang: Penerbit UIN-Maliki Press.Asnaini. (2007). Zakat produktif dalam perspektif hukum Islam. Yogyakarta: Pustaka Belajar.Ansori, Teguh. (2018). Pengelolaan dana zakat produktif untuk pemberdayaan mustahik pada Lazisnu Ponorogo. Muslim Heritage, 3(1), 165-183.  DOI: https://doi.org/10.21154/muslimheritage.v3i1.1274Ahmad., Abdullah. (2014). Metode penelitian ekonomi Islam muamalah. Bandung: Pustaka Setya.A.M. Panjaitan., Jobiliong E., Jony. (2015). Strategi peningkatan jumlah konsumen di rumah makan long’s food. Journal Industrial Services, 1(1), 44-47. DOI: http://dx.doi.org/10.36055/jiss.v1i1.319Wulansari Dwi, Setiawan Hendra. (2014). Analisis peranan dana zakat produktif terhadap perkembangan usaha mikro mustahik (penerima zakat) (studi kasus Rumah Zakat Kota Semarang). Diponegoro Journal of Economics, 3(1): 1-15.Firmansyah. (2013). Zakat sebagai instrumen pengentasan kemiskinan dan kesenjangan pendapatan. Jurnal Ekonomi dan Pembangunan, 21(2), 179-190.Putri PP, Prahesti DD. (2018). Peran dana zakat terhadap peningkatan penghasilan melalui bantuan modal usaha kecil dan mikro. 1, 119-134. DOI: 10.30874/comdev.2017.17Purwanti, Endang. (2012). Pengaruh karakteristik wirausaha, modal usaha, strategi pemasaran terhadap perkembangan UMKM di Desa dayaan dan Kalilondo Salatiga. Among Makarti, 5(9), 13-28.
THE ANALYSIS OF RISK MITIGATION TECHNIQUE OF HOME FINANCING TAKEOVER IN BANK PANIN DUBAI SYARIAH SURABAYA BRANCH Firly Aulia Alhimnie; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1074-1090

Abstract

This research aims to determine the risk mitigation technique for home financing takeover-funded products. The method used for this research is descriptive qualitative-case study. The data gained from this research is a primary data from an interview with three sources from Panin Dubai Sharia bank, and a secondary data of documentation and financial report of Panin Dubai Sharia Bank. The result of this research is Panin Dubai Sharia bank used reduction mitigation technique either on credit risk or operational risk. On the operational risk, Panin Dubai Sharia bank prepared document takeover and properties takeover further before the contract is done, and implementing Take over Operational Day only on Monday and Thursday. Meanwhile, for credit risk, Panin Dubai Sharia Bank used 4 kinds of systems such as backup of credentials, guarantees, internal ratings, computer models.Keywords: Mitigation, Risk, Take Over, KPRREFFERENCE Arikunto, Suharsimi. (2010). Prosedur penelitian suatu pendekatan praktek. Jakarta: Rineka Cipta.Departemen Agama. (2007). Al Quran dan terjemah. Bandung: PT Sygma Examedia Arkanleema.Flanagan, R. dan Norman, G. (1993). Risk management and construction. Cambridge: University Press.Greuning, Hennie van dan Zamir Iqbal. (2011). Analisis risiko perbankan syariah. Jakarta: Salemba Empat.Karim, Adiwarman. (2010). Bank Islam (Analisis fiqih dan keuangan). Jakarta: PT Raja Grafindo Persada.Khan, Tariqullah dan Habib Ahmed. (2008). Manajemen risiko lembaga keuangan syariah. Jakarta Timur: Sinar Grafika Offset.PT. Bank Panin Dubai Syariah. (2018). Annual report 2018. Jakarta: PT. Bank Panin Dubai Syariah.Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: CV Alfabeta.Tafsir Al-Mukhtashar/Markaz Tafsir Riyadh. Tafsirweb.com (diakses pada 26 April 2020 pukul 12.48 WIB).Tafsir Quraish Shihab. Tafsirq.com (diakses pada 18 Februari 2020 pukul 7.30 WIB).Tampubolon, Robert. (2004). Risk management. Jakarta: PT. Elex Media Komputindo.Toha, Syarief. (2017). Problematika dalam pelaksanaan pengambilalihan kredit dengan jaminan hak tanggungan. Jurnal Repertorium, 4(2), 95-102.Trisadini P. Usanti dan Abd. Shomad. (2013). Transaksi bank syariah. Jakarta: PT. Bumi Aksara.Yanggo, Chuzaimah T. dan Haifiz Anshary AZ. (1997). Problematika hukum Islam kontemporer. Jakarta: Pustaka Firdaus.Yin, Robert K. (2018). Studi kasus: Desain dan metode. Jakarta: Raja Grafindo Persada.
THE ANALYSIS OF THE ROLE OF ZAKAT ON THE POVERTY ALLEVIATION USING CIBEST MODEL (CASE STUDY OF RUMAH GEMILANG INDONESIA KAMPUS SURABAYA) Dian Ghani Reza Dasangga; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1060-1073

Abstract

Poverty is a condition in which a person cannot meet their basic needs. Zakat is one of the instruments in Islam to solve the problem of poverty. This research analyzes the poverty level of mustahik comparing the changes before and after the execution of a productive zakat program by taking a case study of Rumah Gemilang Indonesia Kampus Surabaya LAZ Al Azhar East Java. Respondents in this research are 31 mustahik with random sampling. The method of analysis used in this research is the CIBEST Model which consists of CIBEST quadrants and Islamic poverty index. CIBEST model attempts to analyze poverty from the material aspect as well as the spiritual aspect. The results of the study show that the productive zakat program can increase the revenue of mustahik and reduce the level of material poverty and absolute poverty. Keywords: CIBEST Model, Islamic poverty index, poverty, zakat produktifREFFERENCE Ayu Putri, Hurun Eka. (2018). Analisis kinerja BAZNAS Banyuwangi dengan pendekatan Indeks Zakat Nasional. Skripsi tidak diterbitkan. Surabaya: Universitas Airlangga.Bank Indonesia. (2016). Pengelolaan zakat yang efektif: Konsep dan praktik di berbagai Negara. Jakarta: Bank Indonesia.BAZNAS. (2019). Dampak zakat terhadap tingkat kesejahteraan mustahik (Studi kasus lembaga – lembaga program BAZNAS. Jakarta: BAZNAS.Badan Pusat Statistik Kota Surabaya. (2017). Profil kemiskinan di Kota Surabaya Tahun 2017. Surabaya: BPS.Badan Pusat Statistik Kota Surabaya. (2018). Profil kemiskinan di Kota Surabaya Tahun 2018. Surabaya: BPS.Beik, Irfan Syauqi & Laily Dwi Arsyianti. (2016).Measuring zakat impact on poverty and welfare using CIBEST model. Journal of Islamic Monetary Economics and Finance, 1(2), 141-160. DOI: https://doi.org/10.21098/jimf.v1i2.524Beik, Irfan Syauqi & Laily Dwi Arsyianti. (2015). Construction of CIBEST model as measurement poverty and welfare indices from Islamic perspective. Al-Iqtishad, 7(1), 87-104. DOI:10.15408/aiq.v7i1.1361Saputri, Henni Eka. (2017). Analisis dampak pendistribusian dana zakat, infak, sedekah dalam mengurangi kemiskinan (Studi kasus: Baitul Maal Masjid Jogokariyan Yogyakarta). Skripsi tidak diterbitkan. Bogor: Institut Pertanian Bogor.Pratama, Caesar. (2015). Pendayagunaan zakat produktif dalam mengurangi kemiskinan berdasarkan CIBEST model (Studi kasus: PT. Masyarakat Mandiri Dompet Dhuafa). Skripsi tidak diterbitkan. Bogor: Institut Pertanian Bogor._________. (2019). Profile Rumah Gemilang Indonesia [internet]. [diakses pada 10 November 2019]. Tersedia pada: http://rumahgemilang.com/profile-rumah-gemilang-indonesia/#page-content_________. (2015). Tsaqofi-Konsep Dasar Model CIBEST [internet]. [diakses pada 27 Oktober 2019]. https://www.republika.co.id/berita/koran/news-update/15/05/28/np23wg1-tsaqofi-konsep-dasar-model-cibest 
INTERNAL FACTORS AND MACROECONOMIC FACTORS AFFECTING THE PROFITABILITY OF SHARIA INSURANCE IN INDONESIA FOR THE 2016-2018 PERIOD Alissa Azmul Faoziyyah; Nisful Laila
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 6 (2020): Juni-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20206pp1146-1163

Abstract

This research aims to examine the company's internal factors and macroeconomic factors partially and simultaneously on the profitability of islamic insurance companies in Indonesia with proxied by Return On Assets. This study uses a quantitative approach with panel data regression analysis techniques. The population of this study is sharia insurance companies in Indonesia during the period 2015-2018. The purposive sampling method is used to determine the sample used and obtained 36 Islamic insurance companies, which consist of Islamic general insurance companies and Islamic life insurance companies. The estimation results of the Fixed Effect Model with the Weighted Least Square (WLS) method show that company size, contribution growth, retakaful, leverage, investment returns, GDP and inflation simultaneously affect the profitability of islamic insurance companies in Indonesia. Partially, contributions growth and investment returns have positive and significant effect on the profitability of Islamic insurance companies in Indonesia. The variabel Company size and GDP have positive and not significant effect on the profitability of Islamic insurance in Indonesia. While the variabel leverage, retakaful, and inflation have a negative and not significant effect on the profitability of Islamic insurance companies in Indonesia. Keywords: Profitability, Islamic Insurance, Company Size, Contribution Growth, Retakaful, Leverage, Investment Results, GDP, InflationREFFERENCE Akotey, J. O., Sackey, F. G., Amoah, L., & Manson, R. F. (2013). The financial performance of life insurance companies In Ghana. The Journal of Risk Finance, 12(3), 182–194. Ali, Zainuddin. (2008). Hukum asuransi syariah. Jakarta: Sinar Grafika.Almajali, A. Y., Alamro, S. A., & Al-Soub, Y. Z. (2012). Factors affecting the financial performance of jordanian insurance companies listed at Amman Stock Exchange. Journal Of Management Research, 4(2), 266–289. Cahyadi, Ady. (2014). Mengelola hutang dalam perspektif Islam. Jurnal Bisnis dan Manajemen, 4(1), 67-7.Cahyani, Y. T. (2018). Pengaruh inflasi, Suku Bunga (BI Rate), Produk Domestik Bruto (PDB) terhadap ROA (Studi pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia tahun 2009-2016). Jurnal Ekonomi dan Perbankan Syariah, 5(1), 58-83.Derbali, Abdelkader. (2018). Determinants of performance of Tunisia insurance companies: Case of life insurance. International Journal of Productivity and Quality Management, 24(4), 531-541.Gujarati, Damodar N., Dan Dawn C.P. (2009). Basic econometrics. Singapore: The Mcgraw-Hill Companies Inc. Hasan, N. I. (2014). Pengantar asuransi syariah. Jakarta: Gaung Persada Press Grup.Hidayati, A. A., & Shofawati, A. (2017). Determinan kinerja keuangan asuransi syariah di Indonesia Periode 2014-2016. Jurnal Ekonomi Syariah Teori dan Terapan, 5(11), 892–907.Ismail, Noraini, dkk. (2018). Macroeconomic factors affecting performance of insurance companies in Malaysia. Academy of Accounting and Financial Studies Journal, 22(special issue), 1-5. Kaya, Emine Oner. (2015). The effect of firm-specifict factors on profitability of non-life insurance companies In Turkey. International Journal of Financial Studies, 4(4), 510-529. DOI: https://doi.org/10.3390/ijfs3040510Kramaric, T. P., Miletic, M., & Pavic, I. (2017). Profitability determinants of insurance markets in selected Central and Eastern European Countries. International Journal of Economic Sciences, 6(2), 100-123. DOI: 10.20472/ES.2017.6.2.006Lee, C. (2014). The Effects of firm specific factors and macroeconomics on profitability of property-liability insurance industry in Taiwan. Asian Economic and Financial Review, 4(5), 681–691.Malik, H. (2012). Determinants of insurance companies profitability: An analysis of insurance sector of Pakistan. Academic Research International, 1(3), 315–322.Mehari, D., & Aemiro, T. (2013). Firm specific factors that determine insurance companies’ performance in Ethiopia. European Scientific Journal April, 9(10), 245–255.Prasetyantoko, A., & Parmono, R. (2015). Does firm size matter ? An empirical study of firm performance in Indonesia. Jurnal Manajemen Bisnis, 2(2), 87–97.Sigma No.4/2010 tentang The Impact of Inflation on InsurersTulsian, M. (2014). Profitability analysis (A comparative study of Sail & Tata Steel). Journal Of Economics and Finance (Iosr-Jef), 3(2), 19–22.Widarjono, A. (2005). Ekonometrika : Teori dan aplikasi untuk ekonomi dan bisnis, edisi pertama. Yogyakarta: Ekonisia.Zulaikah. (2017). Efektivitas pengelolaan modal kerja BMT guna menjaga likuiditas dan meningkatkan profitabilitas dalam perspektif ekonomi Islam (Studi pada BMT L-RISMA Lampung Timut). Tesis tidak diterbitkan. Lampung: Institut Agama Islam Negeri Raden Intan Lampung. Zein, Firsty, D & Shofawati, Atina. (2017). Konsisi makro ekonomi terhadap hasil investasi asuransi jiwa syariah di Indonesia. Jurnal Ekonomi Syariah Teori dan Terapan, 5(10), 773-786.

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