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INDONESIA
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam
ISSN : 24077119     EISSN : 25276646     DOI : -
Core Subject : Economy,
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam, a journal, provides a forum for publishing the original research articles, review articles from contributors, and the novel technology news related to Business, Economics, and Management. Research articles dealing with Islamic economics, Islamic banking, Islamic finance, etc. are particularly welcome. The journal encompasses research articles, original research report, reviews, short communications and scientific commentaries in Islamic economics, banking, and finance.
Arjuna Subject : -
Articles 235 Documents
Tinjauan Kritis Terhadap Deviasi Akad Murabahah Dalam Aplikasinya Pada Perbankan Syari’ah Syu'aibun Syu'aibun
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No. 2 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This article explains that the murabahah contract applications on Shariah banking has some deviation (deviation), including murabahah financing practices that often occur in Shariah banks are not purely as a seller of goods as in the trade industry that sells goods directly to the buyer, because at large banks (Ba'i) do not have the goods. The role of banks as ba'i in murabahah financing is more aptly described as a financier and not a seller of goods, because the bank does not hold the goods, nor to take risks with it. Banks work as ba'i almost everything is only associated with the handling of documents. Mark-up imposed on murabahah contract is basically not much different from the system of interest. On the basis of these deviations, then the application syari'ah murabahah in the banking system cannot be expressed fully in accordance with the principles of shariah economy.
Pengaruh Kepemimpinan Islami Dan Motivasi Kerja Terhadap Kinerja Karyawan Pada Pt. Bank Syariah Mandiri, Tbk Kantor Cabang Pembantu Sukaramai Medan Sunarji Harahap
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 3 | No. 2 | 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This study aims to determine how much influence the Islamic leadership and work motivation on employee performance. The research was conducted at PT. Bank Syariah Mandiri, Tbk Branch Office Sukaramai Medan, the number of 21 people. Islamic leadership and motivation within the company is essential that all work can be done well and efficiently. Data collection techniques used is to use a questionnaire / questionnaire given to each respondent. Technical analysis of the data used is multiple linear regression, with the formula Y = a + b1x1 + b2X2 + e, and to determine how much influence the Islamic leadership and work motivation on employee performance used formula coefficient of determination (R2). From the test results the validity and reliability of the questionnaire, each grain revelation declared invalid, and the regression equation Y = 5.875 + 0.224 X1 + 0.637 X2 which means that any changes on the Islamic leadership (X1) and motivation (X2), the performance of employees will increased by 0.224 for the coefficients (X1) and 0.637 for the coefficient (X2). To test this hypothesis used tcount test for coefficient obtained 0.331 (X1), 3.670 for the coefficient (X2), this means that "there are significant Islamic leadership and motivation to work on the performance of employees at PT. Bank Syariah Mandiri, Tbk Branch Office Sukaramai Medan and the most influential variables on the performance of the employees are working motivation.
Peran Pasar Modal Syariah Dalam Mendorong Laju Pertumbuhan Ekonomi Di Indonesia M Fauzan; Dedi Suhendro
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 1 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This study has a long-term goal that is to see how big the role of sharia capital market in encouraging the rate of economic growth in Indonesia. This research has benefits to the Government, investors and all stakeholders for the development of shariah financial industry especially Sharia Capital Market in Indonesia. The method to be used in this research is data collection, literature study related to this research, problem identification, pre-process, data analysis, data analysis result and final evaluation from result of data processing. Sharia capital market instruments are sharia, syariah (sukuk) and shariah mutual funds. The data used is the Financial Services Authority data through the website www.ojk.go.id and data Central Bureau of Statistics through the website www.bps.go.id. The development of capital market in Indonesia, which is reflected in the main indicators of capital market that continues to grow from year to year can be a driver of economic growth by making investment activity began to increase. This increase is partly driven by the development of syariah capital market. The strong role of sharia capital market in the formation of the capital market capitalization of Indonesia (Composite Stock Price Index) indicates that sharia capital market has a big role in encouraging economic growth in Indonesia.
PRODUK GADAI EMAS DI PERBANKAN SYARIAH: ANALISIS MASLAHAH EKONOMI muhammad yafiz
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 1 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Gold Pawn practices in Islamic Banking can give rise to speculation action due to volatility in the market price of gold. The purpose of this study was to perform stress testing whether there is a bank and the customer losses when the price of gold down by using a static simulation. The data used is secondary data that the value of (qardh) cumulative gold on Islamic banking in Indonesia started March 2004 to May 2015 year. The results of stress testing on the static simulation result of a 50% decline in gold prices shows that there are positions CAR below 8% for 3 months. Practice gold pawn is not in accordance with maslahah mursalah for having violated the rules of economic harm to banks and customers and can be considered to maslahah mulgha or maslahah sukuti where maslahah is not in accordance with personality in the economic analysis of Islam.
Analisis Faktor-Faktor Yang Mempengaruhi Tingkat Pengangguran Terbuka Di Indonesia Periode 1989-2016 I Imsar
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 1 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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This study aims to find out how much influence the inflation, economic growth, and unemployment of the previous period against the level of open unemployment in Indonesia. The research method used is quantitative method with OLS (Ordinary Least Square) method. Data analysis technique using multiple linear regression model supported by classical assumption test. The results showed that the coefficient of determination (R square) of independent variables on the dependent variable is 0.847 or 82.8%. This indicates that the variables Inflation, Economic Growth and Unemployment previous period. can explain the level of Unemployment in Indonesia amounted to 82.8% while the rest 7.2% explained by other factors. From the results of partial significance test variable inflation rate is obtained t count of 0.046996 <2.069 of t table so it can be concluded that the variable that inflation does not significantly affect the unemployment of Indonesia. While for economic growth variable obtained by t count equal to -0.400057 <2,069 from t table so that can be concluded economic growth not significantly affect unemployment in Indonesia. While the previous period unemployment variable obtained t count value of 11.23190> 2.069, it can be concluded that the previous period unemployment significantly affect Indonesia Unemployment. While the results of the simultaneous significance test, then obtained the value of 44.51053> 3.03 and also can be seen in the value of probability is smaller than the level of significance (α) 5% or 0.000000 <0.05 then it can be concluded that Inflation, Economic Growth and Unemployment previous periods simultaneously affect the unemployment rate in Indonesia.
Memaknai Pengambilan Keputusan Strategic Costing Berdasarkan Kesadaran Nilai Islam wahyu junaedi
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 2 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Penelitian ini bertujuan untuk menemukan makna pengambilan keputusan strategic costing menurut kesadaran nilai Islam pebisnis muslim. Pebisnis muslim yang memiliki tujuan bisnis falah, pencapaian kesejahteraan sosial-ekonomi serta dunia-akhirat, tentu memiliki kesadaran nilai Islam yang mampu merefleksikan nilai-nilai etika dalam pengambilan keputusan.  Penelitian ini dilakukan pada pebisnis muslim anggota Indonesian Islamic Business Forum (IIBF) dengan menggunakan pendekatan fenomenologi. Hasil penelitian menunjukkan bahwa pebisnis muslim memaknai pengambilan keputusan strategic costing menurut kesadaran nilai Islam sebagai bentuk efisiensi dan kepedulian. Efisiensi merefleksikan rationalitas instrumental, sedangkan kepedulian pada hak-hak stakeholder merefleksikan rationalitas etika Islam. Integrasi antara rasionalitas instrumental dengan rasionalitas etika Islam melahirkan Rasionalitas Falah. Dalam konteks strategic costing, Rasionalitas Falah diperoleh melalui efisiensi dengan cara mengurangi biaya yang mengakibatkan pemborosan serta dilakukan dengan penuh kepedulian terhadap hak-hak stakeholders baik direct stakeholders maupun indirect stakeholders.
Analisis Faktor-Faktor Yang Mempengaruhi Profitabilitas Perbankan Syariah Di Indonesia Pani Akhiruddin Siregar
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 2 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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This research aims to analyze how big the influence of CAR, NPF, FDR and BOPO against ROA Islamic banking in Indonesia. Approach to research with quantitative methods using secondary data. Types of quantitative data in the form of data runtun time (time series) monthly from the SPS-BI/OJK 2006:1-2018:1 period. Research models elaborated in the equation a linear multiple regression analysis with 0.05 significance level. From the results of the test, the variable F is free (CAR, NPF, FDR and BOPO) simultaneously significantly affect a variable is bound (ROA). This shows the regression model on CAR, NPF, FDR and BOPO can be used to predict the ROA. Whose hypotheses there is significant influence among variables a variable is bound against free. From the results of the test t, variable CAR influential and insignificant against the variable variable ROA, NPF has no effect and significantly to the variable variable FDR ROA, influential and significant variable against ROA. Then, the variable BOPO has no effect and does not significantly to variable ROA. From the results of the estimation model, the retrieved value R of the determination coefficient R 0,781 and the Square of the mean 0,610 of 61,10% of the variation could be explained by the bound variables are variables in the model. While remaining 38,90% explained by other causes which are not entered into the model.
MENGAPA LEMBAGA ZAKAT DIPILIH?: PENDEKATAN MULTICRITERIA DECISION MAKING Aam Rusydiana
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 2 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Islamic finance is also known as a social financial entity that also has an equally important role for public benefit. One of Islamic social financial instrument is zakat. Typically, zakat are managed by an institution known as amilin or the management of zakat. This study tries to analyze the preferences and behavior of criteria for selection of zakat institution or amil zakat in Indonesia through the multicriteria decision making method known as Analytical Hierarchy Process (AHP) approach.The results conclude that the most priority criteria that influence the selection of zakat institution in Indonesia are innovative program, professional and financial transparency/accountability. Therefore, zakat managers or amilin must always be innovative and professional for managing zakat and social funds. In addition, trustworthy and fully responsible managers are needed in managing zakat funds.
Aplikasi Sistem Keuangan Perbankan Syariah Fauzi Arif Lubis
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 2 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Islamic banks are based on the principles of partnership, justice, transparency and universality and conduct banking business activities based on sharia principles. Sharia bank activities are an implementation of Islamic economic principles. Islamic banks also operate on the basis of the concept of profit sharing, and do not use interest as a tool to earn income or charge interest on the use of funds and loans. The research aims to find out the meaning of the application of Islamic banking systems. The approach in this study uses a descriptive approach by reducing data, presenting and concluding data. The results of this study are Islamic banks must remain guided by the values of sharia in carrying out its business, the principle of which is guided by the Qur'an and Hadith, the principles applied to Islamic financial institutions include the prohibition on applying interest and forbid usury.
Tinjauan Perkembangan dan Pertumbuhan Perbankan Syariah di Indonesia dedi Suhendro
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 5 | No. 2 | 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Populasi Islam terbanyak di dunia adalah negara Indonesia dimana jumlah penduduk yang beragama Islam mencapai 204.000.000 jiwa. Jumlah agama Islam yang tergolong banyak di Indonesia ini, memiliki suatu potensi sehingga memicu terhadap perkembangan dan pertumbuhan bank syariah. Perhatian dan dukungan pemerintah terhadap perbankan syariah diperkuat adanya kebijakan dengan dikeluarkan nya undang-undang perbankan syariah. PT Bank Mualat Indonesia merupakan bank syariah pertama di Indonesia yang didirikan dan beroperasi pada tahun 1992 kemudian disusul adanya bank syariah yang lain. PT Bank Muamalat Indonesia lahir dari kerja tim perbankan Majelis Ulama Indonesia (MUI), yang mana pada tanggal 1 November 1991 ditanda tanganilah akte pendirian PT Bank Muamalat Indonesia, terkumpul pembelian saham sebesar Rp.84 miliar. Bank syariah yang dibentuk merupakan lembaga perbankan penyedia jasa keuangan yang beroperasi berdasarkan etika dan sistem nilai Islam, khususnya yang bebas dari bunga (riba), bebas dari kegiatan spekulatif yang nonproduktif seperti perjudian (maysir), bebas dari hal-hal yang tidak jelas dan meragukan (gharar), berprinsip keadilan, dan hanya membiayai kegiatan usaha yang halal. Dari sektor kelembagaannya mulai tahun 2007 sampai 2017 apabila dilihat dari BUS (Bank Umum Syariah) mengalami peningkatan walaupun peningkatannya tidak terlalu tinggi, sedangkan USS (Unit Usaha Syariah) mengalami fluktuasi, jumlah BPRS (Bank Pembiayaan Rakyat Syariah) mengalami peningkatan yang sangat baik, pertumbuhan jumlah jaringan kantor perbankan syariah juga mengalami fluktuasi. Perkembangan dan pertumbuhan jumlah aset, DPK (Dana Pihak Ketiga), dan jumlah PYD (Pembiayaan yang Disalurkan) selalu meningkat dari tahun 2007 sampai 2017. Sehingga bank syariah menjadi suatu model perbankan yang baik dan sangat ideal dalam memajukan perekonomian bangsa.

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