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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 235 Documents
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Analisis Faktor Non Performing Financing (NPF) pada Industri Perbankan Syariah Maidalena Maidalena
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No. 1 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This study aims to identify and analyze the influence of the Capital Adequacy Ratio (CAR) against Non-Performing Loans (NPLs) industry banking.
Peningkatan Efisiensi dan Daya Saing Perbankan Syari’ah Inni Basyarah
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 3 │ No. 1 │ 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

The concept of efficiency is a fundamental concept and born of economic concepts. Nonetheless, the concept of efficiency can be defined from various viewpoints and backgrounds. In general, the efficiency can be directed to a concept about achieving an outcome with optimal use of resources. The level of cost efficiency of Islamic banking is obtained by performing a comparison between the posts earnings assets (earning assets) or the output of banking to the total amount of costs incurred. By doing this comparison will be obtained efficiency index, which is where the greater value of this ratio, indicating higher levels of efficiencies gained by a bank
Preferensi Pegawai UIN-SU Dalam Menabung Di Bank Syariah muhammad Lathief Ilhamy Nst; Aqwa Naser Daulay; Nur Ahmadi Bi Rahmani
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No. 2 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

This research aims to know the: (1) partially there was significant influence between the religious factor, economic interests and against the preference of employees of UIN-SU in saving in Islamic banks, and (2) simultaneous significant influence among religious factors, economic interests and against the preference of employees of UIN-SU in saving in the Islamic bank. This research uses a quantitative research method. A quantitative approach is an approach that emphasizes on testing theories or hypotheses through measurements of the variables research in numbers and perform data analysis with statistical procedures. The research design used the design quantitative research using multiple linear regression analysis technique is supported by a test model and statistical tests. This paper give For variables of interest and economic variables have no significant influence on the trend of saving.
Peran Bank Pembiayaan Rakyat Syariah dalam Mengimplementasikan Keuangan Inklusif Melalui Pembiayaan UMKM Achmad Rifa'i
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 4 | No. 2 | 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Pemberdayaan UMKM bisa menjadi salah satu jawaban untuk memeratakan tidak hanya pertumbuhan ekonomi tetapi juga pusat-pusat perputaran uang yang baru. Keuangan inklusif diusung untuk menjawab permasalah tersebut melalui pendalaman akses keuangan ke daerah-daerah terutama terhadap masyarakat menengah bawah. Bank Pembiayaan Rakyat Syariah selaku perpanjangan tangan lembaga keuangan formal berusaha untuk menjadi intermediatory institution dalam mengimplementasikan keuangan inklusif yang bertujuan untuk memeratakan akses keuangan di Indonesia. Penelitian ini bertujuan untuk melihat peran Bank Pembiayaan Rakyat Syariah melakukan tugasnya dalam pembiayaan UMKM sebagai upaya untuk mencapai keuangan inklusif. Adapun data yang digunakan adalah data sekunder. Metodologi penelitian yang digunakan adalah deskriptif dengan pendekatan kualitatif. Analisis data kualitatif yang digunakan menggunakan teknik analisis Open Coding, Axial Coding dan Selective Coding. Berdasarkan hasil penelitian menggunakan tiga indikator keuangan inklusif Bank Indonesia yaitu access, usage, dan quality menunjukkan bahwa Bank Pembiayaan Rakyat Syariah sejauh ini telah berhasil menjaga dan meningkatkan kapasitasnya dalam memberikan akses, menyalurkan pembiayaan, dan rasio keuangan. 
Comprehensive Supervision for Operational Soundness of Sharia Financial Service Cooperatives Yadi Nurhayadi
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 2 | No. 1 | 2015
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Bayt al-Māl wa al-Tamwīl (BMT), which by law in Indonesia BMT is called as Koperasi Jasa Keuangan Syariah (KJKS, Sharia Financial Service Cooperatives), is an ideal sharia banking activities, where those activities involve all of community component: micro, small, medium, and high economic class. BMT is also classified as a constitutional sharia financial institution in Indonesia. Based on that fact, with appropriate to the law, BMT could involve in sharia financial industry and market complexities. The activities and involvements would bring consequences that BMT is included as financial institution that must be supervised and must allow periodic supervision related to its operational soundness. The research in this paper offers an analyzing of BMT operational soundness based on CAMELS rating system plus examination. The system is composed of integration of sharia banking CAMELS rating system that was researched by Muljawan and Sharia Banking Directorate – Bank Indonesia, and BMT performance calculation system that was formulated by Pusat Inkubasi Bisnis dan Usaha Kecil (Pinbuk, Center for Micro Enterprise Incubation). CAMELS plus system is sharia banking CAMELS that accommodates all of aspects of BMT character. CAMELS rating system plus is tested for analyzing BMT operational soundness. The accurate process is applied to synthetic and actual data of BMT, particularly with mathematics, accounting, and banking economics approximation. This system is accurate and capable for processing and analyzing step by step operational soundness of BMT: quantitative and qualitative aspects, including sharia aspects compliance. CAMELS plus assessment results are a composite rating of BMT operational soundness that is classified: quite sound (P1), sound (P2), sound enough (P3), less sound (P4), or unsound (P5); analysis and rating of soundness of every indicator, major area, and component of CAMELS; constructive advices of BMT soundness quality improvements; action plan and analysis of operational continuities. CAMELS plus results, which is continued with action plan and analysis of operational continuities, will give the best solution, whether BMT must stand in or improve its soundness qualities, for quite sound of BMT continuities.
Kajian Studi Kelayakan Proyek CV. Indo Abadi Properti Medan Muhammad Umar Putra; Delvi -
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 4 | No. 1 | 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Penelitian ini bertujuan untuk mengetahui kajian mengenai pengaruh metode payback period, metode net present value, metode profability index, metode internal rate of return, cost benefits analysis terhadap kelayakan proyek secara parsial dan simultan pada CV. Indo Abadi Properti Medan. Jenis penelitian dalam penelitian ini adalah deskriptif kuantitatif. Populasi dan sampel dalam penelitian adalah proyeksi laporan keuangan tahun 2010-2024 dengan mengambil sampel jenuh. Sumber data dalam penelitian ini adalah data primer dan sekunder mengunakan metode pengumpulan data observasi dan dokumentasi.Analisis data dalam penelitian ini adalah uji asumsi klasik, serta uji hipotesis yaitu analisis regresi linear berganda, uji T, uji F dan koefisien determinasi. Diketahui penilaian kelayakan proyek dapat dikategorikan dengan kata layak, dimana PBP (6thn 2bln) < usia proyek (15thn), NPV bernilai positif sebesar 4.290.501.053, PI sebesar 1,4 kali > 1 kali, IRR sebesar 3% > suku bunga yang berlaku (2%), CBA dengan benefit 18.983.894.955 > cost 15.364.370.666.Hasil penelitian uji parsial PBP tidak berpengaruh signifikan terhadap kelayakan proyek. NPV berpengaruh signifikan terhadap kelayakan proyek. PI berpengaruh signifikan terhadap kelayakan proyek. IRR tidak berpengaruh signifikan terhadap kelayakan proyek. CBA berpengaruh signifikan terhadap kelayakan proyek.
Konsumen Bank Islam di Indonesia: Siapa Mereka? Maya Panorama
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

The object of this study is consumen of Islamic bank. But this study different with mostly study which is focus on factor that influence customer choosing Islamic Banking. By focus on mapping for Islamic bank”s customer in Indonesia according to their characteristic such as age, income level, level og education, and sex, this research elaborate customer’s demand basic on their characteristic. Methods use of the study by proposed a model of demand on customer. Reseach use proposed model by Dar (2008) in demand index. By this model, we found that there is 3 cateogries of Islamic Bank’s Customer with different characteristic. As a conclusion this study give recommendation how bank create their product basic on the availability of their customer based on their demand.
PERANAN BMT DALAM PEMBERDAYAAN EKONOMI NASABAH DI KECAMATAN BERASTAGI-KABANJAHE KABUPATEN KARO (STUDI KASUS BMT MITRA SIMALEM AL KAROMAH) Fauzi Arif Lubis
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

The problem in this research focused on the three aspects, that is: (1) how the customers characteristics which is the empowerment object of BMT Mitra Simalem Al Karomah, (2 empowering forms of what is being done by BMT Mitra Simalem Al Karomah, and (3) how the results of such empowerment. This research is a field research with qualitative approach. The results of this research shows that the customers characteristics of BMT Mitra Simalem Al Karomah can be seen in three aspects, that is: (1) aspects of religion, (2) aspects of business and other work groups, and (3) aspects of the economic level. The economic empowerment that BMT Mitra Simalem Al Karomah done through the realization of financing. Other forms of empowerment that supports are: founding, training and social activities. The research shows that empowerment is successfully done with an indicator of economic development clients and customers active participation which is the object of empowerment. So Empowerment on the social aspects has made the existence of this BMT is quite popular among the public, especially in the District Berastagi and Kabanjahe. Empowerment that performed by BMT Mitra Simalem Al Karomah deemed successful characterized by an increased level of customers economy and the active participation of customers.
Solution of Zakat Problem in Indonesia With Modification Action Research Nurul Huda
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam | Vol. 1 | No. 1 | 2014
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

The research is aimed to identify Zakat problems encountered in Indonesia. The programs and problems were faced by Zakat institutions (OPZ) in carrying out its functions on collecting, distributing, and empowering Zakat and proposing some ideas to solve the problems. The method used was modified action research by carrying out two main steps namely problems identification and ideas proposal as the solution to the problems. The informants of the research are Zakat stakeholders including The Directorate of Zakat Empowerment, the state-supported Zakat Collecting Board (BAZNAS), the privately run institution of National Zakat Collectors (LAZNAS) of Dompet Dhuafa, Zakat practitioners, mustahiq (Zakat recipients), and muzakki (Zakat payers). The research results show that Indonesia’s problems of Zakat which include the remaining disagreement among Zakat stakeholders on the organization models of Zakat collector and distributor, the lack of synergies  employed by Zakat organizations and the limited number of Zakat officials. Besides that, can be identified that zakat empowerment and distribution are divided into two groups namely charity and empowerment. Related to the problems of Zakat institutions, the problems are the overlapping of empowerment programs among the institutions, the inaccurate data of mustahiq and muzakki, the limited number of partnerships among zakat institutions, expensive promotion model, and the limited number of professional Zakat officials. The ideas proposed for solving the above problems are the government to accommodate all the existing Zakat institutions with the approach of affiliation, the synergy among the institutions with the approach of area, collecting programs, distribution and empowerment and the standardization of Zakat officials. While the agenda of action that related to the Zakat institution problems are the compilation of mustahik and muzaki’s data through the role of mosques, the preparation of Zakat officials in the cooperation with higher education, making Zakat as a national program across departments, the collaboration with the affiliation of Indonesian preachers (IKADI) and the Board of Mosque Management (DKM).
Strategi Politik Ekonomi Islam Sri Sudiarti
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 3 │ No. 1 │ 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

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Abstract

Perkembangan ekonomi Islam sedang mengalami kemajuan yang cukup pesat. Hal ini ditandai dengan berkembangnya lembaga-lembaga keuangan syari’ah yang berdiri seiring dengan upaya percepatan pertumbuhan ekonomi masyarakat. Salah satu karakteristik sistem ekonomi Islam adalah adanya tuntutan untuk lebih mengutamakan aspek hukum dan etika bisnis Islami. Dalam sistem ekonomi Islam terdapat suatu keharusan untuk menerapkan prinsip-prinsip syari’ah dan etika bisnis yang Islami. Secara filosofis, prinsip-prinsip ekonomi Islam tersebut mencakup atas: prinsip ibadah (al-tauhid), persamaan (al-musawat), kebebasan (al-hurriyat), keadilan (al-‘adl), tolong-menolong (al-ta’awun) dan toleransi (al-tasamuh). Politik ekonomi Islam memberikan daya tawar positif bagi percepatan pembangunan ekonomi melalui kemitraan usaha dengan kalangan usaha kecil dan menengah. Pemberdayaan ekonomi syari’ah melalui kemitraan usaha antara lembaga keuangan syari’ah dan usaha kecil menengah dengan mengembangkan kegiatan usaha sektor riil dalam bidang pertanian, industri, perdagangan dan jasa dan lembaga keuangan syari’ah perlu terus dilakukan untuk mendorong percepatan pembangunan ekonomi nasional dan usaha untuk meningkatkan kesejahteraan ekonomi masyarakat Indonesia.

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