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Jurnal Ekonomi Syariah Teori dan Terapan

JESTT
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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 1,152 Documents

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Pengaruh Tingkat Return Sertifikat Bank Indonesia Syariah (SBIS) Terhadap Penempatan Pada SBIS dan ROA Bank Umum Syariah di Indonesia Naroh Kawiryawan; Meri Indri Hapsari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 11 (2015): November-2015
Publisher : Universitas Airlangga

In order to fulfill the need of banking industry that grew rapidly, Bank Indonesia create several monetary instrument. One of them is Islamic Certificate of Bank Indonesia (SBIS). This research aims to investigate the effect of return rate of SBIS to investment in SBIS and also the profitability of sharia commercial banks in Indonesia. The research method used is path analysis with three kind of variables, which is SBIS’s return rate as exogenous variable, investment in SBIS as intervening endogenous variable, and the profitability as endogenousvariable.The result of this research shows that SBIS’s return rate effects significantly positive to the investment in SBIS, but effects unsignificantly negative to the probability of sharia commercial banks. Meanwhile investment in SBIS has non-significantly positive effect to the profitability of sharia commercial banks.

Pengaruh Gaya Hidup Konsumen Muslim Terhadap Adopsi Smartphone Apple (Studi Pada Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Airlangga) Indra Rahmadi; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 3 (2015): Maret-2015
Publisher : Universitas Airlangga

The purpose of this research is testing the influence of moslem consumer lifestyle to Apple smartphone adoption by students of Economics and Business Faculty of Airlangga University. This research uses quantitative approach and questionnaire for primary data collecting. The test was done using simple linear regression, where endogen variable (Y) is apple smartphone adoption and exogen variable (X) is moslem consumer lifestyle. Samples of this research was chosen using nonprobability sampling technique combined with accidentalsampling and purposive sampling. Samples in this research are 100 students of Economics and Business Faculty of Airlangga University.Based on the result of this research linear regression equation obtained is Y = 0.787 + 0.840 X. The measurenment of the influence of moslem consumer lifestyle to Apple smartphone adoption by students of Economics and Business Faculty of Airlangga University has 0.290 (29%) R2 value. The result of this research shows that moslem consumer lifestyle has a significant influence with Apple smartphone adoption by students of Economics and Business Faculty of Airlangga University.

Analisis Faktor Yang Mempengaruhi Mahasiswa Dalam Pemilihan Model Jilbab (Studi Pada Mahasiswi Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Universitas Airlangga) Ajeng Shelyta; Fatin Fadhilah Hasib
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 1 (2015): Januari-2015
Publisher : Universitas Airlangga

This research aims at determining the factor that influences on selecting the model of their headcovers, it is merely because the model of headcovers worn by the female students are now vary. Therefore, there should be some factors that urges a female student as a consumer to do a reasoned action on selecting the model of headcovers. This research is a quantitative research by using factor explanatory analysis. The characteristic of the population is the students of Islamic Economy, FEB, Airlanga University which are wearing headcovers. The result of this research shows that from 18 factors gained from the data collection which then processed by factor analysis. The researcher found that there are 5 factors, i.e. Want to Show Identitiy, consumers’ environment, consumers’ comfort in dressing up, consumers’ society, and consumers’ ease in dressing up.

Pengelolaan Konflik Aktivitas Bisnis Perspektif Islam Pada Manajemen Pasar Induk Puspa Agro Jawa Timur Citra Rahayu Indraswari; Muhammad Nafik HR
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 5 (2014): Mei-2014
Publisher : Universitas Airlangga

Conflict is something that can not be separated in the process of management of the company. Conflict that managed well will be able to make a positive contribution to the business activities and the achievement of corporate goals. This study used a qualitative research methodology with a case study approach. The selection of a qualitative methodology based on the problem formulation used in this studyThe results of this study indicate that the conflicts that happened in management Central Market Puspa Agro caused by internal and external factor. Internal factor is derived from obscurity powers, functions and roles, monitoring and evaluation weakness, slowness of responds to the problems, the competence of individual differences, the target and task interdependence. External factors consist of the presence of government policies and industry demands. The effect of conflicts are functional and dysfunctional. Conflicts levels are low, optimal and high.Conflict management is applied by stimulation, reduction of conflict and conflict resolution methods. Conflict stimulation methods include the application of the system of reward and punishment and the different treatment of habit . Conflict reduction methods include the provision of a forum for dialogue, joint activities and creating new challenges. Conflict resolution methods include the expansion of resources, compromise, change the variable structure of the company, avoiding and otorative command. REFERENCESAamodt, M.G. 2007. Industrial/Organizational Psychology, An Applied Approach. 5th Edition. United States: Thomson Wordsmoth.Afifuddin, Beni dan Ahmad Saebani. 2009. Metodologi Penelitian Kualitatif. Bandung: Pustaka Jaya.Al Tabari,Ibnu Jasin. 1997. Jami’ Al-Bayan fi Ta’wil Al Qur’an. Vol.9. Saudi: Al Maktabah Al Shamilah.Anoraga, Pandji dan Sri Suyuti. 1997. Perilaku Keorganisasian. Jakarta : PT. Dunia Pustaka Jaya.Avruch. 1991. Introduction: Culture and Conflict Resolution. Dalam: Conflict Resolution: Cross-Cultural Perspective. New York: Greenwood Press.Daft, Richard L. 2011. Understanding Management. 8th Edition. Canada: Cangage Learning.Depag RI. 1989. Al-Qur'an dan Terjemahnya. Surabaya: Surya Cipta Aksara.Ebert dan Griffin. 2005. Business Essentials. New Jersey: Prentice Hall International.Faisal, Sanapiah. 1982. Metodologi Penelitian Pendidikan. Surabaya: Usaha Nasional.Gitosudarmo, Indriyo dan Sudita. 2008. Perilaku Keorganisasian. Edisi Pertama. Jogjakarta: Erlangga.Hafidhuddin, Didin dan Tanjung. 2003. Manajemen Syariah dalam Praktek. Jakarta: Gema Insani Press.Handoko, T. Hani. 1995. Manajemen. Ed.2. Yogyakarta: BPFE Yogyakarta.Kusnadi. 2003. Masalah, Kerjasama, Konflik dan Kinerja. Malang: Tanada.Lewicki,RJ dan J.A.Literer. 1985. Negotiation. Illinois: Homewood.Martoyo, Susilo. 1994. Manajemen Sumber Daya Manusia Edisi Ketiga. Yogyakarta: BPFE Yogyakarta.Marwansyah. 2010. Manajemen Sumber Daya Manusia (Edisi 2). Bandung: Alfabeta.Moleong, M.A. Lexy J. 2011. Metode Penelitian Kualitatif. Bandung: Remaja Rosdakarya.Munawir, A.W. 1997. Kamus Al Munawir Arab-Indonesia Terlengkap. Surabaya: Pustaka Progresif.Nimran, Umar. 1997. Perilaku Organisasi. Surabaya: Citra Media.Qurtubi. 2004. Al Jami’ Al Ahkam Al Qur’an. Vol.5. Saudi: Al Maktabah Al Shawilah.Rivai, Veitzhal. 2005. Manajemen Sumber Daya Manusia Untuk Perusahaan. Jakarta: Raja Grafindo Perkasa.Robbins, Stephen P. 2006. Organizational Behavior: Concepts, Controversies, Applications (7th Ed). New Jersey: Prentice Hall International................................... 1996. Organizational Behavior. New Jersey: Prentice Hall International................................... 1991. Organizational Behavior. New Jersey: Prentice Hall International............................................. Managing Organizational Conflict: A Nontraditional Approach. New York: Prentice Hall.Robbins, Stephen P., Judge. 2006. Organizational Behavior. 12th Edition. New York: prentice Hall.Shiddieqy, Hasbi Ash., Muhammad. 2000. Tafsir Al Qur’anul Majid An Nuur. Cetakan kedua-Ed.2. Semarang: Pustaka Rizki.Shihab, M.Quraish. 004. Tafsir Al Misbah. Cetakan kedua-Vol.13. Jakarta: Lentara Hati.Siswanto, Bedjo. 1990. Manajemen Modern : Konsep dan Aplikasi. Bandung: Sinar Baru.Slide profile PT. Jatim Grha Utama. 2013. Surabaya.Stoner, James A.F., Freeman. 1989. Principle of Management. 4th Edition. England: Longman Higher Education.Suriasumantri, JujunS. 2001. Filsafat Ilmu: Sebuah Pengantar Populer. Jakarta: Pustaka Sinar Harapan.Surwandono dan Ahmadi. 2011. Resolusi Konflik di Dunia Islam. Yogyakarta: Graha Ilmu.Wahyudi. 2008. Manajemen Konflik dalam Organisasi. Bandung: Alfabeta.Wijono, Sutarto. 1994. Konflik dalam Organisasi/Industri dengan Strategi Pendekatan Psikologis. Semarang: Satyawaca.Winardi. 1994. Manajemen Konflik (Konflik Perubahan dan Pengembangan). Bandung: CV. Mandar Maju.Wirawan. 2009. Evaluasi Kinerja Sumber Daya Manusia. Jakarta: Erlangga.Wood, Jack dkk. 1998. Organizational Behavior An Asia-Pasific Perspektve. Queesnland : Bracken Ridge.Yin, Robert K. 2009. Studi Kasus (Desain dan Metode). Jakarta: PT. Raja Grafindo Persada.

Pengaruh Financing To Deposit Ratio (FDR) Terhadap Return On Asset (ROA) Dengan Variabel Intervening Penempatan Dana Pada Sertifikat Bank Indonesia Syariah (SBIS) Pada Bank Syariah di Indonesia Al Ma'rifatul A'la; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 8 (2014): Agustus-2014
Publisher : Universitas Airlangga

This study aims to investigate the effect of Financing to Deposit Ratio (FDR) toward investment in Islamic Certificate of Bank Indonesia (SBIS), effect of investment in Islamic Certificate of Bank Indonesia (SBIS) toward Return on Asset (ROA), and effect of Financing to Deposit Ratio (FDR) toward Return on Asset (ROA) Islamic Bank in Indonesia.Methodology that used in this study is a quantitative approach. Technique analysis that used in this study is path analysis. Samples are used in this study collected from Islamic Bank Statistic Data issued by Bank Indonesia, January 2009 until October 2013, the total amount were 58 data.The results show that Financing to Deposit Ratio (FDR) has significantly negative effect on Islamic Certificate of Bank Indonesia (SBIS). Islamic Certificate of Bank Indonesia (SBIS) has not significantly effect on Return on Asset (ROA). Financing to Deposit Ratio (FDR) has significantly positive effect on Return on Asset (ROA). Financing to Deposit Ratio (FDR) with Islamic Certificate of Bank Indonesia (SBIS) as intervening variable have negative effect on Return on Asset (ROA) Islamic Bank in Indonesia. REFERENCESAnshori, Muslich dan Sri Iswati. 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya: Airlangga University Press.Arifin, Zainul. 2006. Dasar-dasar Manajemen Bank Syariah Edisi Revisi. Jakarta: Pustaka Alvabet.Chaudhry, Muhammad Sharif, Dr., M.A., LLB., Ph.D. 2012. Sistem Ekonomi Islam Prinsip Dasar. Jakarta: Kencana.Departemen Agama RI. 2004. Al-Qur’an dan Terjemahnya. Bandung: Syaamil Cipta Media.Fatwa Dewan Syariah Nasional No: 64/DSN-MUI/XII/2007 tentang Sertifikat Bank Indonesia Syariah Ju’alah (SBIS Ju’alah).Ginting, Ramlan dkk. 2013. Kodifikasi Peraturan Bank Indonesia Likuiditas Rupiah Operasi Moneter, Operasi Moneter Syariah dan Sertifikat Bank Indonesia Syariah. Jakarta: PRES Bank Indonesia.Greuning, Hennie Van dan Zamir Iqbal. 2011. Analisis Resiko Perbankan Syariah. Jakarta: Salemba Empat.Hidayat, Mohamad, MBA. 2010. An Introduction to The Sharia Economic Pengantar Ekonomi Islam. Jakarta: Zikrul Hakim.Ismal, Rifki. 2010. Assessment of Liquidity Management in Islamic Banking Industry. International Journal of Islamic and Middle Eastern Finance and Management, 3 (2):147-167.Machmud, Amir, Dr, dan Rukmana, H. S.E., M.Si. 2010. Bank Syariah Teori, Kebijakan, Studi Empiris di Indonesia. Jakarta: Erlangga.Muhamad. 2006. Teknik Perhitungan Bagi Hasil dan Profit Margin pada Bank Syariah. Yogyakarta: UII Press Yogyakarta (Anggota IKAPI).Muhammad, Dr. M.Ag. 2002. Manajemen Bank Syari’ah. Yogyakarta: UPP STIM YKPN.Muhammad. 2005. Manajemen Dana Bank Syriah. Yogyakarta: Ekonisia.Rivai, Veithzal dan Arviyan Arifin. 2010. Islamic Banking Sebuah Teori, Konsep, dan Aplikasi. Jakarta: Bumi Aksara.Soemitra, Andri, M.A. 2009. Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana.Sugiyono, Prof. Dr. 2012. Metode Penelitian Kuantitatif Kualitatif dan R&D. bandung: Alfabeta.Sumarsono, V. A. Ryan. 2012. Pengaruh Konflik Pekerjaan dan Konflik Keluarga terhadap Kinerja Karyawan Wanita dengan Konflik Pekerjaan-Keluarga sebagai Variabel Intervening di CV. Anugerah Motor. Skripsi tidak diterbitkan. Surabaya Fakultas Ekonomi dan Bisnis Universitas Airlangga.

Mengapa Masyarakat Memilih Menunaikan Zakat di Masjid Dibandingkan Dengan Lembaga Zakat? (Studi Kasus Pada Masyarakat Desa Kramat Jegu Kecamatan Taman Kabupaten Sidoarjo) Henry Reza Novianto; Muhammad Nafik HR
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 3 (2014): Maret-2014
Publisher : Universitas Airlangga

The purpose of research is to find out Why Public Choose Paying Zakat in Mosque Rather than Institute of Zakat in Kramat Jegu Village.The research methodology used was a qualitative approach, the case study strategy. Data was collected by interviewing nine muzakki zakat payers in Kramat Jegu village Taman sub-disctric who four of them are related to the management of the mosque.The technique used is descriptive analysis.The result showed that the public would prefer to pay zakat in the mosque than zakat institutions. The motivation of public to pay Zakat at mosques fortified with three reasons are take into account the distance of the place of payment of zakat, more public believe to staff management mosque of zakat, and the public awareness to help the surrounding community. REFERENCESAl-Asqolani, Ibnu Hajar. 1996. Tarjamah Bulughul Maram. Bandung: CV. Dipenegoro.Hafidhuddin, Didin. 2002. Zakat Dalam Perekonomian Modern. Jakarta: Gema Insani Press.Karim, H. A. Syafi’i. 2006, Ushul Fiqih. Bandung: CV. Pustaka Setia.Katsir, Ibnu. 1990. Tafsir al-Qur’an alAdzim. Kairo: Darr Kutb.Mahmud Aziz Siregar, Islam Untuk Berbagai Aspek Kehidupan, Tiara Wacana Yogya, Jogjakarta, 1999Nawawi, Ismail. 2010. Zakat Dalam Perspektif Fiqh, Sosial Dan Ekonomi. Surabaya: Putra Media Nusantara.P3EI. 2008. Ekonomi Islam. Rajawali Press: JakartaQardhowi, Yusuf. 1999. Hukum Zakat. Jakarta: PT Pustaka Litera Antar Nusa.-----------------------. 2005. Spektrum Zakat Dalam Membangun Ekonomi Kerakyatan. Jakarta : Zikrul HakimQur’an in Word Ver 1.3 created by Mohammad Taufiq.Pusat Pengkajian dan Pengembangan Ekonomi Islam (P3EI). 2008. Ekonomi Islam. Jakarta: PT Raja Grafindo Persada.Riyandono, Muhammad Nafik Hadi. 2008. Ekonomi ZISWAQ (Zakat Infaq, Shadaqah, dan Wakaf). Surabaya: IFDI dan Cenforis.Ash-Shiddieqy, 2009. Pedoman Zakat. Semarang: PT. PUSTAKA RIZKI PUTRA.Sugiyono. 2010. Memahami Penelitian Kualitatif. Bandung: Alfabeta.Suwandi, & Basrowi. 2008. Memahami Penelitian Kualitatif. Jakarta: Rineka Cipta.Tandika, Didik. 2011. Analisis Faktor-Faktor yang Mempengaruhi Kinerja Organisasi Pengelola Zakat di Propinsi Jawa Barat dan DKI Jakarta. Makalah Call for Paper Up date Ekonomi Akuntansi dan Bisnis1980. Al-Qur’an Secara Lafzhiyah Jilid II. Jakarta: CV. Tri Burnama Utama.2011. Al-Qur’an. Jakarta: Darul Marifah. 2011. Mahfudzhat.2011. Jakarta Selatan: PT. Rene Asia publika.2012. Undang-Undang Pengelolaan Zakat Dan Wakaf. Bandung: Fokus Media

Pengaruh Bauran Pemasaran Terhadap Niat Menjadi Mitra Perspektif Islam Pada BMT Beringharjo Cabang Madiun Mega Ayuning Tyas; Ari Prasetyo
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 7 (2014): Juli-2014
Publisher : Universitas Airlangga

This study aims to analyze The Effect of Marketing Mix Towards Intention become Partner on Perspective of Islam at The Branch Office of BMT Beringharjo in Madiun. The tests carried out using multiple linear regression method, where the endogenous variable (Y) is a intention become partners and exogenous variables (X) is the marketing mix that is identified with product (X1), price (X2), place/distribution channel (X3), promotion (X4), people (X5), process (X6), physical evidence (X7), promise (X8), and patience (X9). In this study added two variables in the marketing mix of services in accordance with Islamic values that promise and patience.This study uses a quantitative approach. The characteristics of the population in this studi is a partner at The Branch Office of BMT Beringharjo in Madiun are actively engaged in transactions in 2014 and live in Madiun. Total sample of the respondents is 100 (one hundred). These samples were selected using nonprobability sampling with purposive sampling method with particular consideration.The results of this study indicate that simultaneous and partially, marketing mix variables consisting of product, price, place/distribution channel, promotion, people, process, physical evidence, promise, and patience shown the effect to intention become a partner on perspective of Islam at the branch office of BMT Beringharjo in Madiun. Variable place/distribution channel is the most dominant variable to the intention become partners on perspective of Islam at the branch office of BMT Beringharjo in Madiun.Suggestion for the branch office of BMT Beringharjo in Madiun should increase promotional activity to be more diverse so it can attract attention to prospective partners or partners who have joined, socialize product from BMT Beringharjo more clearly and detail, especially the difference with the product from conventional bank, and make a direct sales pitch way more exciting and creative by adding facilities and infrastructure in the promotion or by making a series of interesting activities and carried out in the crowd with direct sales activities. REFERENCESAbuznaid, Samir. ”Islamic Marketing: Addressing The Muslim Market”. AnNajah Univ. J. Res. (Humanities). Vol. 26(6), 2012.Afzalurrahman. 1997. Muhammad sebagai Seorang Pedagang. Jakarta: Yayasan Swarna Bhumy.Arief, Muhtosim. 2005. Pemasaran&Jasa Kualitas Pelayanan. Malang: Bayumedia Publishing.Chi , Hsin Kuang et al. 2009. The Impact of Brand Awareness on Consumer Purchase Intention: The Mediating Effect of Perceived Quality and BrandLoyalty. The Journal of International Management Studies, Volume 4, Number 1, February, 2009.Departemen Agama RI. 2005. Al-Quran & Terjemahan. Bandung: cv Penerbit Diponegoro.Dharmmesta, Basu Swasta dan T. Hani Handoko. 1997. Manajemen Pemasaran Jasa. Yogyakarta: BPFEYOGYAKARTA.Gunara, Thorik dan Utus Hardiono Sudibyo. 2007. Marketing Muhammad SAW. Bandung: PT Karya Kita.Harahap, Sofyan S. 2011. Etika Bisnis dalam Perspektif Islam. Jakarta: Salemba Empat.Hurriyati, Ratih. 2010. Bauran Pemasaran dan Loyalitas Konsumen. Bandung: ALFABETA CV.http://bisniskeuangan.kompas.com/read/ 2013/11/25/1255414/Perkembangan.K euangan.Syariah.Menggembirakan (diakses 20 Juni 2014 pukul 19:51 WIB).http://www.setkab.go.id/berita-11096- jangan-pandang-entengpertumbuhan-ekonomi-syariah-diindonesia.html (diakses14 Maret 2014).Kartajaya, Hermawan & Muhammad Syakir Sula. 2006. Syariah Marketing. Jakarta: Mizan.Kasmir. 2007. Studi Kelayakan Bisnis. Jakarta: PT. Raja Grafindo Persada.Khan, Imar et al. 2013. Impact of Brand Related Attributes on Purchase Intention of Costumers. Interdisciplinary Journal of Contemporary Research in Business. Vol 4, No 3.Kotler, Philir dan Gary Armstrong. 2001. Prinsip-Prinsip Pemasaran. Jakarta: Penerbit Airlangga.Kartajaya, Hermawan & Muhammad Syakir Sula. 2006. Syariah Marketing. Jakarta: Mizan.Lolo, Irwinda N. T Andi. 2011. Pengaruh Strategi Marketing Mix Terhadap Keputusan Konsumen Yang Menabung Pada PT. Bank Mandiri (Persero) TBK, Cabang Makasar Kartini. Tugas akhir diterbitkan Universitas Hasanudin Makasar.Lupiyoadi, Rambat. 2009. Manajemen Pemasaran Jasa. Jakarta: Salemba Empat.-----------, 2013. Manajemen Pemasaran Jasa. Jakarta: Salemba Empat.Madani, Dr. 2011. Ayat-Ayat dan Hadis Ekonomi Syariah. Jakarta: PT Rajagrafindo Persada.Nafik, Muhammad. 2009. Bursa Efek & Investasi Syariah. Jakarta: PT Serambi Ilmu Semesta.Sugiyono. 2012. Metode Penelitian Kuantitatif Kualitatif Dan R&D. Bandung : Alfabeta.Suhendi, Hendi. 2010. Fiqh Muamalah. Jakarta: PT. Raja Grafindo Persada.Sumarni, Murti. 2003. Pengantar Bisnis (Dasar-Dasar Ekonomi Perusahaan). Yogyakarta: Liberty Yogyakarta Tjiptono, Fandy. 1997. Strategi Pemasaran. Yogyakarta: ANDI.Yusanto, Muhammad Ismail dan Muhammad Karebet Widjajakusuma. 2002. Menggagas Harahap, Sofyan S. 2011. Etika Bisnis dalam Perspektif Islam. Jakarta: Salemba Empat.

Pengaruh Kecukupan Modal, Fungsi Intermediasi, Pembiayaan Bermasalah, dan Biaya Operasional Terhadap Profitabilitas Indusstri Bank Syariah Periode Januari 2010-Desember 2012 Mega Ayu Maharanie; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 2 (2014): Februari-2014
Publisher : Universitas Airlangga

The objectives of this research to analyze the influence of capital adequacy as measured by Capital Adequacy Ratio (CAR), intermediary functions as measured by Non Performing Financing (NPF), financial problems as measured by Financing to Deposit Ratio (FDR), and operational cost as measured by BOPO to profitability as measured by Return On Asset (ROA) of Islamic Banking Industry in the period of 2010-2012. The population used for the study is Islamic banks whose financial statements have been published to Bank Indonesia from 2010-2012. The sampling techniques is cencus sampling, so the sample in this study is every unit in a population. The data of this study used secondary data from the website of Bank Indonesia. The method of data analysis which was used is multiple linier regression analysis.From the result of analyse indicate that CAR, NPF, and BOPO variables has significantly affcet in partial toward ROA at level of significant less than 0,05, but only FDR variable has no significantly affect to the ROA. While, CAR, FDR, NPF, and BOPO variables in simultan has no affect to the ROA with a significance level of 0,000. REFERENCESAlmilia, Luciana Spica, dan Winny Herdiningtyas. 2005. Analisis Rasio CAMEL terhadap Prediksi Kondisi Bermasalah pada Lembaga Perbankan Periode 2000-2002. Jurnal Akuntansi dan Keuangan, (Online), Vol. 7(2): 131-147, (http://www.almilia.com, diakses 5 Desember 2013).Al-Quran dan Terjemahannya. Syamil AlQuran. Penerjemah: Tim Penerjemah Depag RI. Bandung: Sygma Examedia Arkanleema.Bank Indonesia. 2001. Lampiran Surat Edaran Bank Indonesia No. 3/30 DPNP tanggal 14 Desember 2001, Perihal Laporan Keuangan Publikasi Bank Umum kepada Bank Indonesia. Jakarta: Bank Indonesia.-------------. 2004. Surat Edaran Bank Indonesia No. 6/73/Intern DPNP tanggal 24 Desember 2004, Perihal Pedoman Sistem Penilaian Tingkat Kesehatan Bank Umum (CAMELS Rating). Jakarta: Bank Indonesia.-------------. 2010a. Statistik Perbankan Syariah Desember 2010. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2010b. Laporan Perkembangan Perbankan Syariah 2010. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2011a. Statistik Perbankan Syariah Desember 2011. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2011b. Laporan Perkembangan Perbankan Syariah 2011. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2012a. Statistik Perbankan Syariah Desember 2012. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).-------------. 2012b. Laporan Perkembangan Perbankan Syariah 2012. Jakarta: Bank Indonesia, (http://www.bi.go.id, diakses 5 Februari 2014).Dendawijaya, Lukman. 2000. Manajemen Perbankan. Edisi Pertama. Jakarta: Ghalia Indonesia.Fitriani, Prastiyaningtyas. 2010. FaktorFaktor yang Mempengaruhi Profitabilitas Perbankan. Skripsi tidak diterbitkan. Semarang: Fakultas Ekonomi Universitas Diponegoro.Ghozali, Imam. 2007. Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, Rasio Biaya Operasional terhadap Pendapatan Operasional, dan Non Performing Loan terhadap Profitabilitas Bank Syariah Mandiri Periode Januari 2004-Oktober 2006. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Ekonomi Universitas Islam Indonesia.Gozali, Imam. 2001. Aplikasi Analisis Multivariate dengan Program SPSS. Semarang: Fakultas Ekonomi Universitas Diponegoro Semarang.-------------. 2004. Model Persamaan Struktural: Konsep dan Aplikasi dengan Program AMOS Ver. 5.0. Semarang: Fakultas Ekonomi Universitas Diponegoro Semarang.-------------. 2007. Manajemen Risiko Perbankan Pendekatan VAR. Semarang: Fakultas Ekonomi Universitas Diponegoro Semarang. Ikatan Akuntansi Indonesia (IAI). 2004. Standar Akuntansi Keuangan. Jakarta: Salemba Empat.Ismawati, Dwi. 2009. Pengaruh Financing to Deposit Ratio, Cash Ratio, Capital Adequacy Ratio, dan Dana Pihak Ketiga terhadap Tingakt Profitabilitas pada PT. Bank Syariah Mandiri, Tbk. Periode 2006-2008. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Syariah UIN Sunan Kalijaga.Mahardian, Pandu. 2008. Analisis Pengaruh CAR, BOPO, NPL, NIM, dan LDR terhadap Kinerja Perbankan. Skripsi tidak diterbitkan. Semarang Fakultas Ekonomi Universitas Diponegoro.Mawardi, Wisnu. 2005. Analisis FaktorFaktor yang Mempengaruhi Kinerja Keuangan Bank Umum di Indonesia (Studi Kasus pada Bank Umum dengan Total Asset Kurang dari 1 Triliun). Jurnal Bisnis Strategi, (Online), Vol. 14 (1): 83-94, (http://eprints.undip.ac.id, diakses 10 Desember 2013)Mintarti, Sri. 2009. Implikasi Proses Take Over Bank Swasta Nasional Go Public terhadap Tingkat Kesehatan dan Kinerja Bank. Jurnal Keuangan dan Perbankan, (Online), Vol. 13 (2): 346-358, (http://katalog.library.perbanas.ac.i d, diakses 10 Desember 2013)Muhammad. 2005. Manajemen Dana Bank Syariah. Jogjakarta: Ekonisia.Muljono, Teguh Pudjo. 1999. Aplikasi Akuntansi Manajemen dalam Praktik Perbankan. Edisi Ketiga. Jogjakarta: BPFE.Nurkhosidah, Siti. 2009. Analisis Pengaruh Variabel Non Performing Financing, Penyisihan Penghapusan Aktiva Produktif, Financing to Deposit Ratio, Biaya Operasional per Pendapatan Operasional terhadap Profitabilitas pada Bank Syariah Mandiri. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Syariah UIN Sunan Kalijaga.Nusantara, Ahmad Buyung. 2009. Analisis Pengaruh NPL, CAR, dan BOPO terhadap Profitabilitas Bank (Perbandingan Bank Umum Go Publik dan Bank Umum Non Go Publik di Indonesia Periode Tahun 2005-2007). Tesis tidak diterbitkan. Semarang Program Studi Magister Manajemen Universitas Diponegoro.Pohan, Aulia. 2002. Arah dan Perkembangan Kebijakan Perbankan Nasional. Ventura, (Online), Vol. 5 (1): 1-13, (http://www.academia.edu, diakses 10 Desember 2013).Republik Indonesia. Peraturan Pemerintah Nomor 72 Tahun 1992 Tentang Bank Berdasarkan Prinsip Bagi Hasil.-------------. Undang-undang Nomor 7 Tahun 1992 tentang Perbankan. Tahun tebit. Jakarta: PT Sinar Grafita.-------------. Undang-undang Nomor 20 Tahun 2008 tentang Perbankan Syariah. 2009. Jakarta: PT Sinar Grafita.-------------. Undang-undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. 2009. Jakarta: PT Sinar Grafita.-------------. Peraturan Bank Indonesia No. 13/1/PBI/2011 tanggal 5 Januari 2011 tentang Penilaian Tingkat Kesehatan Bank Umum.-------------. 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Pengaruh Pembiayaan Mudharabah dan Musyarakah Terhadap Likuiditas Industri Bank Syariah di Indonesia Aulia Ramadhani; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 7 (2015): Juli-2015
Publisher : Universitas Airlangga

This research aimed to know the influence of financing based on profit sharing against Islamic Banking Industry liquidity in Indonesia from January 2008 through June 2014. This research used the quantitative approach method. The analysis technique used was multiple linear regression and the equation was Y = 0,58 + 0,016 (PMUD) – 0,056 (PMUS)Based on the result of t-test, mudharabah financing and musyarakah financing partially did not influence significantly to liquidity with t test result consecutively 0,765 for mudharabah financing and 0,621 for musyarakah financing. The result of simultaneous test showed that mudharabah financing and musyarakah had significant effect to Islamic banking industry liquidity with siginificant value 0,000. And based on determination test result, the value of R Square is 0,593 or 59,3% that showed the ability of mudharabah financing and musyarakah financing in explaining liquidity of 59,3% and the remaining 40,7% was explainedby other variables outside the model.

Tinjauan Mekanisme Kontrak Pengelolaan Lahan Pertanian Berbasis Adat Istiadat Dalam Kajian Fiqh Muamalah (Desa Temu, Kecamatan Kanor, Kabupaten Bojonegoro) Beny Septyliyan Primada; Irham Zaki
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 11 (2015): November-2015
Publisher : Universitas Airlangga

This study aims to identify and explain the suitability of the system or how cooperation cultivation of agricultural land undertaken Muslim farmers in the village of Temu, Kanor, Bojonegoro which has been run for generations by way of cooperation cultivation of agricultural land in Islam or fiqh kaedah muamalah.Results of this study indicate that there are conformity system or way of cooperation cultivation of agricultural land that the farmers in the village Temu (anvil) with kaedah muamalah Islamic fiqh, because it has met the conditions prevailing in harmony and with both sides to contain the principle that there is an element of mutual muamalah willing and mutually their benefits, as well as a custom ('urf) that do not conflict with the texts of the Qur'an and the Hadith, and also does not contain madharat.

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