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INDONESIA
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Negeri Sumatera Utara
ISSN : 24077119     EISSN : 25276646     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
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 245 Documents
 16   17   18   19   20 
ANALISIS KINERJA BANK BCA SYARIAH BERDASARKAN METODE RGEC DAN ISLAMICITY PERFORMANCE INDEX Rahmat Daim Harahap; Hendra Harmain; Hasna Hidayah Siahaan
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.10223

Abstract

This study aims to review the performance of Bank BCA Syariah through the method measurement that has beeb stipulated in Bank Indonesia Regulation Number 13/1/PBI/2011 concerning the bank soundness rating system using the RGEC and islamicity performace index method. Researcher data that used quantitative data derived from secondary data on financial statements in Bank BCA Syariah 2016-2019. The data analysis in this study resulted in the level of the health of BCA Syariah banks in 2016-2019 is ranked composite 1 in the “Very Healthy” category. This proves that the BCA bank Sharia is able to  face the influance of competition. Different, on the method islamicity performance index of BCA Syariah bank is in Good Enough condition it is clear from the ratio of zakat performance index and EDR net profit which is still in the poor category.
ANALISIS POTENSI PERBANKAN SYARIAH DI INDONESIA DALAM MEMPERTAHANKAN EKSISTENSI PADA ERA DIGITAL Ika Nazilatur Rosida
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.11454

Abstract

AbstrakPenelitian ini memiliki tujuan untuk menganalisis potensi yang dimiliki oleh Lembaga perbankan Syariah di Indonesia dalam mempertahankan eksistensi pada era digital. Adapun potensi yang dimiliki untuk mempertahankan eksistensi pada era digital adalah skill dan keterampilan sumber daya insani, pemanfaatan teknologi semaksimal mungkin melalui adanya fintech, regulasi yang menjadi payung hukum bagi pelaksanaan praktik perbankan Syariah di Indonesia. Penelitian ini merupakan penelitian Library Research. Data yang digunakan  adalah jenis data sekunder yang merupakan data pustaka dari membaca dan mencatat yang berasal dari buku online, journal, artikel ilmiah. Teknik analisis data yang digunakan adalah  analisis isi  dengan metode korelasional. Hasil penelitian menunjukkan bahwa, dalam menghadapi tantangan di era digital, diperlukan peningkatan skill pada Angkatan kerja di Indonesia dalam memahami penggunaan teknologi Internet of Things (IoT) dalam industri, pemanfaatan teknologi digital untuk memacu produktivitas dan daya saing, penggunaan teknologi digital pada pelaku industri, dan inovasi teknologi pada produk perbankan.   Abstract This research aims to analyze the potential of Islamic banks in Indonesia to maintain its existence in the digital era. The potential of Islamic Banking in Indonesia to maintain its existence in the digital era are skills of human resources, utilizing the technology through optimizing the existence of fintech, the regulations that become the legal law shelter for the implementation of Islamic banking in Indonesia. This research is research library research. The data used is a type of secondary data which is library data from reading and taking notes from online books, journals, scientific articles. Data analysis technique employed by content analysis with correlation method. The results of the research show, in facing the challenges of the digital era, it is necessary to develop the skills of the workforce in Indonesia in understanding the use of Internet of Things (IoT) technology in industry, the use of digital technology to spur productivity and competitiveness, the use of digital technology in industry players, and technological innovation in banking products. Keywords: Potential, Existence, Islamic Banking
IMPLEMENTASI ETIKA BISNIS ISLAM TERHADAP SISTEM RESELLER DAN RELEVANSINYA DALAM UNDANG-UNDANG PERLINDUNGAN KONSUMEN Azhar Alam; Sri Herianingrum; Tata Leni Lestari; Aditya Nurrahman
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.11158

Abstract

This study is to find out about the practice of the reseller system at Beteng Trade Center and to find out the implementation of Islamic business ethics on the reseller system at Beteng Trade Center and its relevance in the Consumer Protection Act (UUPK). Primary data sources were obtained through interviews with two suppliers, ten resellers, and three consumers. This study's secondary data sources were obtained from various literature, laws, and regulations. This study shows that the reseller system mechanism at Beteng Trade Center uses an indirect distribution strategy and has met the requirements of the reseller system. The implementation of Islamic business ethics on the reseller system has fulfilled the rights of consumers and the obligations of business actors following the principles of Islamic business ethics in the form of honesty, fairness, trustworthiness, openness, and no element of fraud. Consumer protection in the reseller system at Beteng Trade Center is by UUPK because it meets the rules of UUPK Article 4 No 8, Article 4 letter D, Article 7 letter F and Article 7 letter D regarding consumer protection. This research can be a reference for managing reseller systems and applying Islamic business ethics associated with consumer protection laws. This research contributes to the analysis of Islamic business ethics in the application of the reseller system and the study of related consumer protection laws.
FAKTOR DETERMINASI MUZAKKI PENDONASI ZAKAT SECARA DISTRIBUSI LANGSUNG KE MUSTAHIK Sheila Ardilla Yughi; Ma'fiyah Ma'fiyah; Taufik Awaludin
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.8509

Abstract

Penelitian ini bertujuan mengidentifikasi faktor-faktor determinasi individu masyarakat muslim dalam memutuskan membayar zakat secara distribusi langsung ke mustahik atau tidak. Metode penelitian yang digunakan adalah analisa deskriptif dan analisis binari logit atau regresi logistik. Analisis deskriptif berupaya mengungkapkan karakteristik, demografi dan data ekonomi responden dan analisis binari logit berupaya mengetahui faktor probabilitas individu muslim dalam melakukan suatu tindakan dimana dalam penelitian ini bertujuan mengetahui probabilitas responden individu tersebut dalam bertindak sebagai muzakki yang melakukan donasi zakatnya secara distribusi langsung ke mustahik. Hasil penelitian mendapatkan bahwa faktor determinasi yang berpengaruh dalam keputusan individu muslim sebagai muzakki yang melakukan donasi zakatnya secara distribusi langsung ke mustahik adalah tingkat pendapatan. Nilai probabilitas muzakki yang melakukan donasi zakatnya secara distribusi langsung ke mustahik dengan memiliki pendapatan Rp 1.000.000,- per bulan adalah sebesar 45,78 % sedangkan probabilitas muzakki yang tidak membayar zakat secara distribusi langsung ke mustahik adalah sebesar 54,22 %. Saran yang diberikan adalah lembaga zakat perlu meningkatkan literasi zakat kepada masyarakat. Selain itu lembaga zakat dapat melakukan kerjasama membuat program zakat komunitas. Kemudian Pemerintah dapat memberikan edukasi pada tokoh masyarakat untuk membuat program zakat berbasis komuntitas warga dengan bekerjasama dengan lembaga zakat yang ada.
HARMONISASI PENGUKURAN KINERJA BANK SYARIAH: MAQASID SHARIAH INDEX DAN RASIO KEUANGAN Husni Shabri; Ahmad Rodoni
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.11517

Abstract

This paper aims to analyze the performance of Islamic Rural Banks in West Sumatra Province. This paper uses the quantitative method. The population of this research was all Islamic Rural Banks in West Sumatra Province of seven banks.  The paper uses The seven Islamic Rural Banks annual reports within 2018-2020 from website Otoritas Jasa Keuangan (OJK). The analysis uses the Integrated Maqashid al-Shariah based Performance Measure (IMSPM). The results showed that the performance of the Islamic Rural Banks in the Maqashid Syariah Index with the highest achievement on the object of faith (din) for a period of three years. The study found that there were no activities for the Islamic Rural Banks on the object of  intellect ('aql) and on the object of posterity (nasl).The results of performance measurement with the IMSPM model can be a notification for Islamic Rural Banks in West Sumatra regarding more efforts to realize maqashid shariah in the Islamic banking industry.
STRATEGI OPTIMALISASI DANA WAKAF: PEMERATAAN DANA WAKAF SELAMA PANDEMI Laila M Pimada; Rizqi Bhakti Nur Sayuta; Echa Valentina Gunawan
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 1 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i1.11815

Abstract

This study aims to provide suggestions and strategies based on theoretical concepts and the latest phenomena that occur in order to optimize the distribution of waqf funds in the Covid-19 pandemic era to internal and external parties in the sustainability of waqf in Indonesia. This study uses a qualitative approach to the study of literature by using books and literature as research objects. The results of this study was found in 19 scientific journals consisting of the topic Existing Conditions of Waqf Management in Indonesia which focus on data on the potential of waqf, Waqf Literacy as an Effort to Optimize the Role of Waqf, Optimization of Waqf in the Health Sector, Optimization of Waqf in the Microeconomic Sector, and Optimization of Waqf in the Social Sector. The  entire research paper ids devided into five discussion topics, each of which produces suggestions and strategies for three sectors, namely the government, nadzhir waqf, and further research.
ANALISIS KEBUTUHAN INDUSTRI KEUANGAN SYARIAH TERHADAP KOMPETENSI LUARAN PENDIDIKAN TINGGI ISLAM Marliyah Marliyah; Budi Dharma; Muhammad Yafiz; Ahmad Muhaisin B. Syarbaini
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 2 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i2.13625

Abstract

This study aims to explain the competencies required by Islamic financial institutions today, and how these competencies are fulfilled by Islamic higher education resources, in this case UIN SU Medan. This study also tries to explain how these competencies are obtained both from educational and non-educational processes. The research was conducted with qualitative and quantitative analysis, with the research sample coming from alumni of FEBI UIN SU Medan who work in Islamic financial institutions. Quantitative analysis focuses on justifying user and alumni company perceptions of competence. Qualitative analysis focuses on explaining the relationship between the fulfillment of these competencies in the higher education process. The results show that companies in the Islamic financial institution industry need innovation and critical thinking competencies to be strengthened by Islamic higher education. research by Dharma et al. (2022) who informed the two competencies were also perceived as lacking by other companies. The purpose of financial institutions for competence is in the context of Islamic science, especially in terms of Islamic exploration both from the Qur'an and hadith.
KONSEP UNDIAN BERHADIAH DALAM Q.S AL-MAIDAH AYAT 90 MENURUT TAFSIR AL-MISBAH Ian Alfian; Nursantri Yanti
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 2 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i2.13627

Abstract

This study aims to explain the concept of lottery prizes in Q.S Al-Maidah verse 90. This is related to the phenomenon of giving raffle prizes from producers to consumers as a marketing strategy to increase buying interest. The prize draw in question is by providing certain conditions for customers, such as having to purchase coupons or shopping for certain products or at a certain price to be able to get the lucky draw voucher/coupon. The research method used is qualitative analysis. By analyzing the lottery, including the words azlam (drawing fate with arrows) or maysir (gambling) contained in QS. Al-Maidah verse 90. From the results of research conducted by the authors, it is concluded that the lottery with prizes is categorized as haram if it contains the following elements: 1) Maysir (gambling) which is a lot of luck where consumers will be anxious to get big prizes in an easy way. 2) Tabdzir, namely using property for something that is not useful according to the provisions. 3) Gharar, namely the uncertainty of participants to get prizes in an activity that is not clear (of a deceptive nature) by the producer/service provider through the trick of promising gifts or bonuses. 4) Dharar, namely endangering other people as a result of a hidden gambling game that is misleading by giving a winning prize on top of the losses and losses suffered by other participants. 5) Ighra 'that is making empty dreams where consumers will naturally fantasize about expecting a tempting gift. As a result, it creates a lazy mentality to work because to get the prize, it is enough to wait for the announcement. 6) Israf, namely waste, where participants spend money beyond their reasonable needs.
ANALISIS MAQASHID SYARI’AH PADA KEBIJAKAN RESTRUKTURISASI DALAM MENGATASI PEMBIAYAAN BERMASALAH AKIBAT PANDEMI COVID 19 (STUDI KASUS BANK BTN SYARIAH MEDAN) Muallif Masyhuri; Azhari Akmal Tarigan; Fauzi Arif Lubis
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 2 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i2.13387

Abstract

Abstract The provision of financing in Islamic banks always carries the risk of payment difficulties that occur in Islamic banks the same as conventional banks, causing financing problems. To overcome this problem, Islamic banking applies the same thing as conventional banks, namely financing restructuring in overcoming problem financing. In this study, the problem that occurred was the COVID-19 pandemic which caused the business and business sectors to experience market problems due to government regulations to keep themselves at home. So the bank, in this case Islamic banking, took action to answer the problem of non-performing financing by restructuring to save banking liquidity and also the finances of customers who had difficulty paying due to the covid 19 pandemic. This study used a qualitative approach using the Publish and Perish software tool to collect journal articles relevant to the purpose of this study. The collected articles were analyzed for content (content analysis) and analyzed with the maqashid shari'ah theory to see the suitability of saving problematic financing for customers and banks during the covid 19 period to achieve benefit for both. The findings in this study are that in improving the performance of banks in carrying out non-performing financing, banks must analyze social problems that occur to find solutions due to the Covid 19 Pandemic which causes economic problems that result in problematic financing. Keyword : maqashid shari'ah, restructuring, non-performing financing
PENGARUH PERTUMBUHAN EKONOMI, TINGKAT PENDIDIKAN DAN PENGANGGURAN TERHADAP TINGKAT KEMISKINAN DI PROVINSI SUMATERA SELATAN DALAM PERSPEKTIF EKONOMI ISLAM TAHUN 2017-2020 Laura Nindya Asmananta; Emi Yulia Siska; Abdullah Sahroni
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 9 │ No. 2 │ 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v9i2.12820

Abstract

This study aims to determine the relationship between economic growth, education level, and unemployment on poverty levels in the province of South Sumatra in 2017 – 2020. The method in this study is quantitative with secondary data obtained from the Central Statistics Agency of South Sumatra and a sample of 17 districts and cities. The data analysis technique used is the panel data regression method with E-Views 10. The results of this study indicate that economic growth, education level, and unemployment have a significant effect on the poverty level simultaneously, while partially the level of education and unemployment influence the poverty level and the opposite of economic growth has no impact on the level of poverty.

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