bluuebunny/crossref_metadata_2025 huggingface dataset:
Komparasi Bank Syariah di Indonesia dan Malaysia ditinjau dari RBBR dan Islamicity Performance
Authors: Herviyani Yunita Rahmania , Filianti Dian
Published: October 2020

To evaluate Islamic Bank for business continuity is usually measured by the Risk-Based Bank Rating (RBBR), But Islamic Bank as Islamic Business entities also need to be measured in terms of the Islamicity Performance. This study aims to analyze the comparison of Risk-Based bank Rating and Islamicity Performance of 11 Indonesian Islamic Banks and 11 Malaysian Islamic Banks. The Data collection in this research was done by collecting all the annual reports of Banks that has been created as sample over the period 2013-2018. The test result of the independent Samples T-test and Mann-Whitney Test show that there were no differences of Islamic Banks in Indonesia and Malaysia as seen from the aspect of FDR, ROA, CAR, and ZPR. While there were differences of Banks Health level and Islamicity Performance as seen from Earning (ROE) and Zakat Performance (ZPR) aspects.Keywords: Bank Helath Level, Risk-Based Bank Rating, Islamicity Performance, Syariah Banking
PENGARUH TRUST TERHADAP NIAT ULANG BERWAKAF UANG PADA BADAN WAKAF AL QUR’AN SURABAYA MELALUI BELIEF
Authors: Fandini Hesti Dwi , Ratnasari Ririn Tri
Published: October 2020

This study aims to determine the effect of trust on the repeat intention to give cash waqf at BWA Surabaya through beliefs which include aspects of attitude, subjective norms, and perceived behavioral control. Retrieval of data in this study using a questionnaire with a total sample obtained by 35 waqif, who had already given money endowment at BWA Surabaya in one past year. The sampling technique are both non probability and simple random sampling. This research uses a quantitative approach with path analysis techniques. The endogenous variable in this study is the repeat intention to give cash waqf, while the exogenous variable used is trust and the intervening endogenous variable is beliefs. The results of this study showed that trust has a positive and significant influence on beliefs. Nevertheless, trusts does not affect the repeat intention to give cash waqf. However, trusts indirectly affects to the repeat intention to give cash waqf through beliefs variables that have a positive and significant effect on the repeat intention to give cash waqf at BWA Surabaya. Suggestions for BWA Surabaya should be maintaining and increasing trusts and beliefs of waqif which can increase the repeat intention of waqif to give cash waqf at BWA Surabaya.Keywords: Trust, Wakaf, Belief
PERAN PENYALURAN DANA PIHAK KETIGA BMT MUDA JATIM PADA PENINGKATAN KESEJAHTERRAAN PELAKU UMKM PERSPEKTIF MAQASHID SYARIAH
Authors: Aristina Puput , Widiastuti Tika
Published: October 2020

Baitul Mal Wat Tamwil is an institution of Islamic micro finance which has a role and function to improve the economics potential and ability of members particularly and community commonly, to improve economic welfare. This research aims to find out the role of financing fund which is given by BMT to the prosperity of SME using perspective of maqasid shariah. The approach used is qualitative approach with case study method. Technique of gathering data uses direct interview to related informants. The result of this research show that BMT MUDA Jatim has played a role improving the properity of SME who has received financing funds by using perspective of maqasid shariah through any program Islamic finance.Keywords: Baitul Mal Wat Tamwil, Financing Fund, Prosperity, SME, Maqasid shariah
PERSEPSI PENILAIAN HAK DAN KEWAJIBAN KETENAGAKERJAAN ISLAM PERSPEKTIF CHAUDHRY PADA KARYAWAN BANK JATIM SYARIAH1)
Authors: Ludiyatno Evita Febriani , Cahyono Eko Fajar
Published: October 2020

This study aims to determine the assessment of the rights and obligations of Islamic laborers from the perspective of Chaudhry. Employee rights include receiving the same treatment, getting a price specialization, being treated well, getting the right salary, not given a job beyond his ability, getting medical assistance. Whereas employee obligations include having a sincere and uplifting spirit and having a good religious nature case studies on the employees of Bank Jatim Syariah Central Surabaya and Sidoarjo. This research uses a quantitative descriptive approach with simple tabulations.Keywords: rights, obligations, Employee
MENGETAHUI PENGARUH KINERJA ISLAM TERHADAP MOTIVASI ISLAM, KOMITMEN ISLAM, DAN PELATIHAN ISLAM PADA KARYAWAN PT. ASURANSI TAKAFUL KELUARGA DI JAKARTA
Authors: Anugrahadi Yoga Dwi , Prasetyo Ari
Published: October 2020

The bacground of this research is that employees who work at Islamic Financial Institutions (IFIs) get problem both in quantitiy and quality of human resources. This study aims to analyse variables of human resource in Islamic perspective, such as Islamic motivation, Islamic commitment, Islamic training, and Islamic performance. This study used total 64 employees for random sampling observations and using Ordinary Least Square Regression analysis model with SPSS software. Data collection using questionnaire with Linkert scale 1 to 4. This study find partially that Islamic motivation and Islamic commitment are negatively related to Islamic performance, but Islamic training significantly related to Islamic performance. But, this research find that three variables simultanously related together to Islamic performance. Although Islamic training just has influence Islamic performance, therefore Islamic motivation and commitment have positive value in linier regression but in small value.Keywords: Islamic motivation, Islamic commitment, Islamic training, PT. Family Takaful Insurance
PENINGKATAN KESEJAHTERAAN ANAK YATIM MELALUI USAHA AMDK Q-MAS M
Authors: Azizah Ummu Atika , Herianingrum Sri
Published: October 2020

The background of this study is the existence of a business in Q-Mas M which was established by the KH. Mas Mansur Orphanage. This phenomenon encourages researchers to raise research that discusses the contribution of Q-Mas M to the KH. Mas Mansyur in improving the welfare of orphans. This study uses a qualitative approach with a case study strategy. Data collection is done through interview techniques with relevant parties and related documents. The validity test of the data carried out in this study is the source triangulation technique. The data analysis technique used in this study is explanatory manufacturing techniques. The results of this study indicate that the business contribution of Q-Mas M in improving the welfare of orphans has not been fully successful. From the five basic needs that must be fulfilled by orphans, only two that succeed, there are the fulfillment of food and residence needs for orphans.Keywords: contribution, Q-Mas M, welfare, orphanage KH. Mas Mansyur Malang
Zakat Produktif Dalam Keberhasilan Usaha Mustahiq Ditinjau Dari Indikator Peningkatan Modal, Peningkatan Pendapatan, Peningkatan Jumlah Konsumen, Peningkatan Produksi dan Peningkatan Amal Jariyah Mustahiq (Studi Kasus LAZ Inisiatif Zakat Indonesia Cabang Jawa Timur)
Authors: Darmawan Rachmat , Fanani Sunan
Published: October 2020

This study aims to analyze the role of productive zakat managed by LAZ IZI, which has a role in increasing the success of mustahiq businesses in the city of Surabaya. There are five standards that can be used to measure the increase in business success of mustahiq, namely the standard of increasing capital, increasing income, increasing production, increasing the number of consumers and charity jariyah mustahiq. This study uses a qualitative approach with a case study method. The technique of collecting data uses direct interviews, documentation and observation. The analysis technique used is narrative-descriptive analysis. Then to find out the validity of the data, the researcher used the triangulation technique by cross checking the findings of primary data and secondary data. The results of this study were that the three informants experienced an increase in capital, an increase in income, an increase in production, an increase in the number of consumers and an increase in charity after receiving assistance. The informants felt the business they had run had success. The success of the informant's business can be seen from the increase in all indicators mentioned. Supervision and mentoring carried out by LAZ IZI Surabaya was felt very useful in motivating and encouraging continuous effort. In addition, they are able to set aside a portion of the assets to be given to those who are entitled.Keywords: Productive Zakat, Mustahiq, Utilization, Business Success
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT PENGUNGKAPAN SHARIAH GOVERNANCE PADA BANK UMUM SYARIAH ANALISIS PADA LAPORAN TAHUNAN PERIODE 2013-2017
Authors: Adawiyah Mukhibbatul , Suprayogi Noven
Published: October 2020

This study aims to find out the simultaneous and partial influence of Firm Age, Firm Size, Third-Party Funds Growth And Predicate of GCG Self Assesment On The Level of Shariah Governance Disclosure. This study use quantitative approach. The analysis technique used is the panel data regression. The sampling technique is purposive sampling and obtain a sample of 11 shariah commercial banks in Indonesia. This result of this study indicated that firm age, firm size, and thirs-party funds growth variables partially have a positive and significant effect, while predicate of GCG self assesment have not significant effect. Nonetheless simultaneously Firm Age, Firm Size, third-party funds growth and predicate of GCG self assesment have a significant effect on the level of shariah governance disclosure on shariah commercial banks in Indonesia.Keywords: Firm Age, Firm Size, third-party funds growth, predicate of GCG self assesment, level of shariah governance disclosure, shariah commercial banks
PENGARUH VARIABEL MAKROEKONOMI DAN INDEKS SAHAM INTERNASIONAL TERHADAP INDEKS SAHAM JAKARTA ISLAMIC INDEX (JII)
Authors: Rahmiyanti Devi , Fianto Bayu Arie
Published: October 2020

This study investigate the effect of macroeconomic variables and international stock index on the stock index Jakarta Islamic Index (JII) using monthly data over period January 2013 to December, 2018. Macroeconomic variables used in this study are inflation, exchange rate, international crude oil price, World Gold Price and for the international stock index using Dow Jones Islamic Market. The study employs the eror correction model (ECM). The empirical result reveal that there is co-integration between the four macroeconomic variables, one international stock index and stock index in Jakarta Islamic Index indicating long run equilibirium relationship. Furhther, the result reveal that with significancy 0,5% only exchange rate, international crude oil price, world gold price had significant effect on Jakarta Islamic Index while inflation and Dow jones Islamic Market did not have a significant effect on Jakarta Islamic Index.Keywords: The stock Index, the Jakarta Islamic Index, the macroeconomic variables
PENGUMPULAN DAN PENGELOLAAN ZAKAT, INFAQ DAN SHODAQOH (LAZIS MUHAMMADIYAH LAMONGAN)
Authors: Ahsan Fauzul Mizanul , Sukmana Raditya
Published: October 2020

The duty of collecting and managing zakat, infaq and shodaqoh in a systematic and well-organized way is the main duty of LAZIS Muhammadiyah Lamongan, even though in its implementation it must be supported, since LAZIS Muhammadiyah itself faces considerable challenges when implementing in the field. Seeing this problem, the researcher wanted to photograph the management and collection of zakat funds, infaq and shodaqoh by LAZIS Muhammadiyah Lamongan, whether or not it went well. Based on the results of preliminary observations, there has been a suspicion that there is an impossibility of conducting ZIS funds distribution by LAZIS Muhammadiyah Lamongan, especially at a glance the LAZIS administrators are still focused on improving the LAZIS Muhammadiyah Lamongan building infrastructure in 2018. However, when we see developments in 2019 there is sufficient progress done well. So in this context the researcher wants to photograph the phenomenon that occurred in LAZIS Muhammadiyah Lamongan between 2018 and 2019. The research objective of this phenomenon is for researchers to see what phenomena occur during the year and see the phenomenon of collecting zakat funds, infaq and shodaqoh and how LAZIS management collects and manages ZIS funds to be distributed to those deserve to receive it.Keywords: Zakat, Infaq, Shodaqoh, Collection and Management, Muhammadiyah, LAZIS
Pengaruh Risiko Sistematis, Market Timing, dan Ukuran Dana Terhadap Kinerja Reksa Dana Pendapatan Tetap Syariah di Indonesia (Periode 2014-2018)
Authors: Kusumastiti Febrita , Ryandono Muhammad Nafik Hadi
Published: October 2020

The purpose of this study is to determine the effect of the systematic of risk, market timing, and fund size toward sharia fixed income mutual funds in Indonesia period 2014-2018 partially and simultaneously. This research uses a quantitative approach and uses multiple linear regression tests to determine the relationship between exogenous variables and endogenous variable. The result of this research shows that systematic risk and fund size are partially have significant influence to the sharia fixed income mutual funds performance. Meanwhile, market timing is partially have insignificant influence to the sharia fixed income mutual funds performance. While simultaneously, systematic risk, market timing and fund size have significant influence to the sharia fixed income mutual funds performance with the coefficient of determination is 31,9% while the remaining 68,1% is influenced by other variables not included in this research.Keywords: Sharia Mutual Fund Performance, Systematic Risk, Market Timing, Fund Size
Analisis Pengaruh Faktor Harga, Pendapatan, Kualitas dan Atribut produk Islam Terhadap purchase intention di kedai kopi Bycoffee Surabaya
Authors: Muhamad Reyhan Devtyan , Cahyono Eko Fajar
Published: October 2020

This study aims to analyze the influence of prices, income, quality and attributes of the Islamic religion on consumer purchasing decisions in the ByCoffee branch Coffee shop in the Surabaya city. In this study the authors used a quantitative method by collecting primary data from 120 respondents. The analytical method used is SEM PLS. The results showed that all factors had a significant influence on purchasing decisions except price factors. Significantly influential factors are Islamic quality and attribute factors while income factors have a less strong influence.Keywords: price, revenue, quality, Islamic attributes, purchasing decisions
Pendayagunaan Dana Zakat, Infaq, dan Shadaqah melalui Pemberdayaan Petani pada Lembaga Amil Zakat Al-Azhar Surabaya
Authors: Maisaroh Putri Rizky , Herianingrum Sri
Published: October 2020

The purpose of this study to determine the utilization of ZIS funds by LAZ Al-Azhar Surabaya in community groups in Laharpang Hamlet through economic empowerment. The research is descriptive qualitative with the case study method.LAZ Al-Azhar by using qualitative method. interviews were conducted with five respondents consisting of two parties from LAZ Al-Azhar and three group members. The data used are primary data and secondary data. The results of the study indicate that the utilization of Al-Azhar ZIS LAZ funds in the Lamor Kelud Sejahtera Community Self-Help Group (SHG) was carried out through the Million Empowerment Program. Empowerment of SHG provided is in the form of assistance, supervision, capital loans, and Joint Business Groups (KUB). This is evidenced by the increase in revenue mustahiq, smoothness installment payments as well as the ability to sadaqah.Keywords: Utilization of Zakat Infaq Shadaqa, LAZ Al-Azhar, Empowerment, Lamor Kelud Sejahtera KSM.
FAKTOR INTERNAL YANG BERPENGARUH TERHADAP KINERJA REKSADANA SYARIAH DI INDONESIA PERIODE 2014-20171)
Authors: Faadilah Farah , Sukmaningrum Puji Sucia
Published: October 2020

This study aims to determine the effect of fund size, expense ratio and turnover ratio. The data used in this research is the net asset value data and shariah mutual fund prospectus of 4 shariah equity funds for the period 2014-2017. This study describes using multiple linear regression test to prove the relationship between exogenous and endogenous variables. The result of the test shows that partially fund size and positive effect is not significant on the performance of Islamic stock mutual funds, the expense ratio has no significant negative effect on the performance of Islamic equity mutual funds, while the turnover ratio has a significant positive effect on the performance of sharia mutual funds. While simultaneously fund size, expense ratio and turnover ratio have a significant influence with the coefficient of determination of 25,06%% while the remaining 74,94%  influenced by other variables not included in this study.Keywords: Sharia Mutual Funds Performance, Turnover Ratio, Cash Flow, Expense Ratio
KONSEP EKONOMI POLITIK DALAM PERSPEKTIF IBNU KHALDUN
Authors: Al Insany Muhammad Alif , Fauzi R. Moh. Qudsi
Published: October 2020

This research aimed to find out the political economy concepts existed in Ibn Khaldun’s thoughts through his magnum opus of Muqaddimah which was a part of Al-Ibar book. This research used literature study method by studying the literature related to poitical economy. Literature data interpretation has been done by historical analysis technique which consists of periodization stages based on the life of Ibn Khaldun, and by historical descriptive analysis technique which is related to the political economy thoughts of Ibn Khaldun. This research showed that economics and politics have a relation since in the past, especially in a life span of Ibn Khaldun and his thoughts about political economy, such as production, work division, wage theory, etc. These thoughts was firstly presented by Ibn Khaldun before classical period economists did. Therefore, these thoughts is very important to study further to provide suggestions for economic studies, especially islamic economic studies.Keywords: Political Economy, Ibn Khaldun, Economic Politics
Pengaruh Motivasi Kerja Islam dan Budaya Kerja Islam Terhadap Produktifitas Kerja karyawan BMT di GERBANGKERTASUSILA
Authors: Iman Achmad Nur , Prasetyo Ari
Published: October 2020

This study attempts to know the importance of perception employees of islamic woek motivation and islamic work culture to labor islamic productivity whether partial and simultaneous on the quality of performance bmt areas gerbangkertasusila east java. A population that used is all the employees bmt taken by random or shuffle as many as 200 respondents.Technique the analysis used is linear regression multiple. The research results show that simultaneously being tested use test F shows that there has been significant impact between variable freely with variable bound.While in partial being tested use test t indicate the presence of some variable free namely motivation work islam and culture islamic work to labor productivity islamic bmt some have had a positive impact significant and some influential negative to productivity performance office bmt areas gerbangkertasusila east java.Keywords: Baitul mal wat tamwil, Islamic work motivation, Islamic work culture, employees’ productivity
Pengaruh Fakto Fundamental Terhadap Harga Saham Syariah pada Perusahaan Yang Terdaftar di Jakarta Islamic Indek Periode 2011 – 2016 Pengaruh Fakto Fundamental Terhadap Harga Saham Syariah pada Perusahaan Yang Terdaftar di Jakarta Islamic Indek Periode 2011 – 2016
Authors: Ningtias Desi Sulfa , Laila Nisful
Published: October 2020

This research aims to determine the effect of return on asset, earnings per share, debt to equity ratio, and price to book value of sharia stock price in Jakarta Islamic Index partially or simultaneously. This research uses quantitative approach with multiple linier regression analysis using panel data. The analytical tool being used is Eviews 8.0 software. The population used in this study is a company registered in the Jakarta Islamic Index. While the sample research is 10 companies in Jakarta Islamic Index that meets the criteria of purposive sampling. The period of This research over the period of 6 years from 2011 - 2016. The result showed that return on asset, earnings per share, debt to equity ratio, and price to book value influence simultaneously and significant to sharia stock price. And partially variable earning per share and price to book value have positive and significant influence, return on asset variable have significant influence with negative direction, while variable of debt to equity ratio have negative effect not significant to shariah stock price at company registered in Jakarta Islamic Index 2011 – 2016 period.Keywords: Sharia stock price, Return On Assets, Earning Per Share, and Debt to Equity Ratio
DETERMINAN RETURN ON ASSET (ROA) PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA PERIODE 2010-2018: PENDEKATAN AUTOREGRESSIVE DISTRIBUTED LAG (ARDL)
Authors: Nur Feranti Farah , Sukmana Raditya
Published: October 2020

This research aimed to test and analyze the influences of Non Performing Financing (NPF), Capital Adequacy Ratio (CAR), and Operational Cost of Operational Income (BOPO) on Return on Asset (ROA) in Sharia Banking Industry Indonesia period 2010-2018. It used quantitative approach. Furthermore, data analysis technique used was Autogressive Distributed Lag (ARDL). The results of this research showed that in a long-term, NPF and BOPO variables had a negative and significant effect on the variable of Return on Asset (ROA), and the variable of CAR had a positive and insignificant on the variable of Return on Asset (ROA). Meanwhile, in a short-term, NPF and BOPO variables had a negative and significant effect on the variable of Return on Asset (ROA), and the variable of CAR had a positive and significant effect on the variable of Return on Asset (ROA).Keywords: Islamic Banks, Return on Asset, Non Performing Financing, Capital Adequacy Ratio, Operational Cost of Operational Income, Autoregressive Distributed Lag
LEMBAGA AMIL ZAKAT NASIONAL (LAZNAS) YAYASAN NURUL HAYAT DALAM MELAKUKAN MANAJEMEN RISIKO REPUTASI
Authors: Sholehah Nisrinah Arofahtus , Suprayogi Noven
Published: October 2020

The purpose of this study is to find reputational risk management carried out by LAZNAS Nurul Hayat. The use of the method in this research used a qualitative approach through a case study. The main focus in this research is one of the risk that is classified in the International Working Group on Zakat Core Principle (IWGZCP) is reputational risk and the loss of muzakki of four of a kind which is one of the risk that owned by the management of zakat management institutions, besides the distribution of risk, operational risk, and zakat risk transfer among countries. The selection of focus reputation related risk is based on that important for a non-profit organization to having a good reputation of the institution to sustainability. The result of the research indicated that reputation risk management owned by nurul fountain of life begins with the concept of a reputation they believed, namely based on the system and performance. In the implementation, nurul fountain of life chosen to carry preventive measures ( prevention risk management ) related to reputation. Seven events are able to exert reputation hayat described related nurul derived from internal and external. Due to belief that the concept of reputation is related to performance and system, so focused prevention is done by the agency to minimize the possibility of internal events which consist of delay in overcoming complaint, late arrivals donations, less working spirit of employees, disobedience to SOP, inadequate accountability and inappropriate beneficiaries of granted aid. The results showed that external factors have no significant effect on the reputation of the institution.Keywords: zakat, risk management, reputation risk, LAZNAS Nurul Hayat Foundation
Analisis Pengaruh CAR dan FDR terhadap Equivalent Rate Deposito serta Dampaknya terhadap Total Aset pada Industri Perbankan Syariah di Indonesia Periode Januari 2013 – April 2018 dengan Path Analysis
Authors: Raharyan Argya Kirana Hasanah , Shofawati Atina
Published: October 2020

This study aims to determine the influence of CAR and FDR on Deposit Equivalent Rate which then re-analyzed its impact on Total Asset at Sharia Commercial Bank and Sharia Business Unit in Indonesia. This study used Path Analysis with quantitative approach. Statistical tool used in this research is SPSS Version 23. The data used in this research are secondary data which fully downloaded from official site of Otoritas Jasa Keuangan (OJK). The result of Regression Model 1 reveal CAR and FDR simultaneously have significant influence to Deposit Equivalent Rate, evidenced by significance value below alpha of 0,05. While the other result (Regression Model 2) show that CAR, FDR, and Deposit Equivalent Rate simultaneously have significant affect to Total Asset, which is also evidenced by significance value below alpha of 0,05.Keywords: : CAR, FDR, Equivalent Rate, Total Asset, Sharia Banks
Pola Perilaku Konsumsi Generasi Millenial Terhadap Produk Fashion Perspektif Monzer Kahf : Studi Kasus Mahasiswi Universitas Airlangga
Authors: Corinna Arlinda Nidia , Cahyono Eko Fajar
Published: October 2020

This study examines how consumption patterns of millennial generation towards fashion products based on Monzer Kahf's perspective, especially female students from Airlangga University. The research method uses descriptive case study method. Data collection in this study was carried out by in-depth interview method and the subjects of the study were asked the questions immediately. The analysis technique carried out in this study is by reducing data, presenting data both through the results of interviews and observations of researchers towards the informants, then proceed with drawing conclusions. The results of the study show that the principles of Islamic consumption from Monzer Kahf's perspective have been applied by Airlangga University students as a pattern of consumption behavior towards fashion products. Millennials in Indonesia, especially university students, are principled by consumption in accordance with Islamic teachings by promoting consumption rationalism, consumption balance, Islamic goods and consumption ethics.Keywords: Consumption, Islamic consumption, Millenials, Fashion Product, Rationalism, Consumption Balance, Islamic Goods
pemberdayaan lembaga amil zakat masjid rungkut jaya surabaya dalam meningkatkan kesejahteraan mustahiq
Authors: Nurfadhilah Rizky Farah , Ratnasari Ririn Tri
Published: October 2020

The research used in this paper is a qualitative research method with descriptive analytical case study method, which is an analysis that produces descriptive data in the form of written or oral words from people and behaviors that can be observed with a predetermined method. The purpose of this method is to minimize the results of research difficult to manipulate because researchers have little chance to control events that will occur. The event in question is the empowerment of the Rungkut Jaya Surabaya Mosque Amil Zakat Institution in improving mustahiq welfare, so that the data needed is not enough historical data but interviews are needed, and direct observation in the field. The research data was collected by interviewing the Chairperson of the LAZ Masjid Rungkut Jaya, the Chair of Ta'mir, 2 mustahiq LAZ Masjid Rungkut Jaya, and 2 muzakki LAZ Masjid Rungkut Jaya.Keywords: Empowerment of Amil Zakat Institutions, Amil Zakat Institutions, Zakat, Empowerment of Amil Zakat Institutions in Rungkut Jaya Mosque Surabaya, Mustahiq
PERAN BAITUL MAAL WAT TAMWIL UGT SIDOGIRI SURABAYA DALAM MENGATASI DAMPAK NEGATIF PRAKTIK RENTENIR
Authors: Afidah Amaliana , Mintaroem Karjadi
Published: October 2020

This research aims to know the role of BMT UGT Sidogiri been fullest or not in overcoming the negative impact of loan sharks in the region of Demak prakti East. The approach used was qualitative descriptive type approach strategy case studies. This strategy was chosen because there are things that would like to be known by researchers associated with the formulation of the problem. The required data in the research is primary data and secondary data. Technical data collection performed while field research in BMT UGT Sidogiri and around the region of Demak. Data collection is done with the interview and documentation. Supporting data come from studies and journal literature through internet searches. Data analysis technique used is the reduction of data to get a conclusion. The results obtained by researchers based on interviews that BMT has not been significantly instrumental in freeing people from the bondage of moneylenders. Inadequate efforts made BMT in freeing society from moneylenders who practices tend to be more proactive in offering their services to merchants is evidenced by the large number of traders who prefer to connect with the moneylenders.Keywords: BMT Sidogiri UGT, The Role Of BMT, The Impact Of Loan Sharks, Practices Of Moneylenders
PENGELOLAAN MANAJEMEN RESIKO GADAI NON-EMAS TIDAK TERTEBUS DI PEGADAIAN SYARIAH CABANG BLAURAN
Authors: Cahyani Dyah Palupi Dwi , Ryandono Muhammad Nafik Hadi
Published: October 2020

This study is aimed to know the mechanism of risk management in the management of unredeemed non-gold pawn in Blauran Sharia Pawnshop. Through the three phases of risk management that is risk identification, risk ranking, and risk control Blauran Sharia Pawnshop expected can be more minimize the risks, one of them is unredeemed non-gold pawn. The research method used was qualitative. Research data is obtained by doing interview techniques and documentation to the informant that was assistant deputy manager Pawnshop of Surabaya Regional Office, Head of Blauran Surabaya Sharia Pawnshop branch, and staff of Blauran Surabaya Sharia Pawnshop. The research showed that Blauran Sharia Pawnshop has run the risk management process in three ways: risk identification, risk ranking based on potency and the most influential risk, and risk control by conducting auction on non-goldpawning items that were not redeemed.Keyword: Risk Management, sharia mortgage, sharia pawnshop,unreedemed non-gold pawn
manajemen masjid namira lamongan serta dampaknya terhadap jamaah menurut maqashid syariah
Authors: Novadina Nanda Nur , Zaki Irham
Published: October 2020

This research aimed to find out what the takmir's management of Namira mosque was and its impact on society based on maqashid Syariah perspective. It based on the phenomenon that happened in the research object. The research object was the Namira mosque, which is located in Jotosanur village, Lamongan. This research used a qualitative method with a descriptive approach. After interviewing, the results of the research were analyzed by using descriptive data analysis technique. The result of the research showed that how much the operational funds were that takmir of Namira mosque needed, and it was not very often that lack of funds was covered by the family foundation of Namira mosque. Then, the impact caused by the implementation of Rupiah zero-balance that the funds were used to donate to the activities taking place in the Namira mosque has been fulfilled based on maqashid Syariah.Keywords: Infaq, Mosque, Welfare, Maqashid Syariah.
Motivasi dan Komitmen Karyawan Terhadap Kinerja Karyawan BAZNAS Provinsi Jawa Timur
Authors: Rusydina Amalina , Ratnasari Ririn Tri
Published: October 2020

The research method used in this study is a quantitative approach. The process of collecting data used is a questionnaire. The sample used was the employees of the National Amil Zakat Agency (BAZNAS) of East Java Province with 40 respondents. Sampling using a non-probability sample technique and saturated sample. The analysis technique used in this study is path analysis. The results of this study indicate that each of the three work motivation variables has a significant effect on employee commitment, employee commitment has a significant effect on employee performance, and work motivation has a significant effect on the performance of employees of the Amil Zakat National Agency (BAZNAS) in East Java Province.Keywords: Work Motivation, Employee Commitment, and Employee Perfomance
MEKANISME PENDISTRIBUSIAN SURPLUS UNDERWRITING DANA TABARRU’ PADA PT. ASURANSI TAKAFUL KELUARGA KANTOR SURABAYA
Authors: Putri Aprianti Andita , Septiarini Dina Fitrisia
Published: October 2020

This study discusses the mechanism for distributing tabarru's underwriting funds surplus. The purpose of this study was to find out and understand the concept of the mechanism for distributing tabarru's underwriting funds' surplus at the Surabaya Office Family Takaful Insurance. In this study using a qualitative approach with descriptive case study strategies and data collection techniques in the form of interviews and documentation. The results in this study are the distribution mechanism at the underwriting surplus in accordance with the products used by participants and will be processed after the submission of profit sharing by filling out a form submitting the results of the results made by insurance participants.
PENGARUH FAKTOR INTERNAL DAN EKSTERNAL BANK SYARIAH TERHADAP KEPUTUSAN INVESTASI SURAT BERHARGA BANK SYARIAH
Authors: Muhammad Izzadin Nur , Suprayogi Noven
Published: October 2020

Investments of securities performed by Islamic banks in addition to a liquidity instrument in the bank that is as an investment instrument for banks to obtain operating income other than the channeling of funds through financing to customers. The Bank's securities investment is influenced by external and internal factors within the bank. External factors are factors that occur outside the bank, external factors can not be controlled by the management of sharia banks. Internal factors are factors that occur due to decisions and phenomena within the internal bank, internal factors can be controlled by banks through managerial processes. External factors faced by banks such as economic and monetary conditions such as inflation and interest rates, money market conditions (exchange rate), customer character, regulations and others. Internal factors rely heavily on bank management in managing every liquid instrument within the sharia bank itself, such as asset and liability management.Keywords: Sharia Bank, Investment, SBSN, Liquid Instruments
Faktor-Faktor Yang Mempengaruhi Struktur Modal Perusahaan Yang Terdaftar di Jakarta Islamic Index Periode 2013-2017
Authors: Jamil Nisaaul , Shofawati Atina
Published: October 2020

This study aims to determine the effect of profitability, liquidity and firm size on the capital structure of companies listed in the Jakarta Islamic Index Period 2013-2017. The research method used is quantitative approach. The data in this research is panel data. The analysis technique in this research is multiple linear regression. The results showed that simultaneously profitability, liquidity and firm size have a significant influence on capital structure. Profitability partially has a significant influence on capital structure. Liquidity and firm size have no significant effect on capital structure. The results of this study are expected to expand the knowledge that is important for practitioners and academics.Keywords: Profitability, Liquidity, Firm Size, Capital Structure
PENERAPAN MITIGASI RISIKO PEMBIAYAAN OTO iB HASANAH PADA BNI SYARIAH KCP GRESIK
Authors: Nur Kurnia Azhar , Septiarini Dina Fitrisia
Published: October 2020

The objective to be achieved is to find out the application of Oto iB Hasanah financing risk mitigation to BNI Syariah KCP Gresik. The application analysis is done by collecting data by interviewing several BNI Syariah KCP Gresik employees, then drawing conclusions. This research uses a qualitative method with a descriptive approach. Data collection techniques used are interviews, observation, and documentation. The type of research used is a combination of literature review and field research, namely research that collects data in the field. The results of the study were analyzed to obtain conclusions. The object of this research is BNI Syariah KCP Gresik. The results show that the application of Oto iB Hasanah financing risk mitigation to BNI Syariah KCP Gresik has been analyzed using risk mitigation techniques with financing analysis (5C and 7A) and credit risk mitigation techniques, then juxtaposed with Standard Operating Procedures (SOPs) and developed theories.
Perbedaan Kinerja Pertumbuhan Ekonomi Pada Kuartal Ramadhan dan Rata-Rata Kuartal diluar Ramadhan dan Idul Fitri
Authors: Sribanu Dewi Muninggar Lintangjohor , Cahyono Eko Fajar
Published: October 2020

The purpose of this study was to find the difference of economic growth between quartal with Ramadhan and quartal outside of Ramadhan (the average). This study use quantitative methods using t-test, to find the comparison between the economic growth from quartal of Ramadhan and quartal outside Ramadhan. Our result find that economic growth in quartal of Ramadhan is higher than the average quartal outside Ramadhan, religious practice can affect individual behaviour and beliefs in a ways that have implications for economic performance. Economic growth in quartal of Ramadhan increase, because people tend to consume more than in other months.Keywords: Economic Growth, Ramadhan and economy, The Effect of Holiday to Economy, GDP
IMPLEMENTASI METODE CIBEST (CENTER OF ISLAMIC BUSINESS AND ECONOMIC STUDIES) DALAM MENGUKUR PERAN ZAKAT PRODUKTIF TERHADAP PEMBERDAYAAN MUSTAHIQ DI LEMBAGA YAYASAN DANA SOSIAL AL-FALAH (YDSF) SURABAYA1
Authors: Ashar Muhammad Afthon , Ryandono Muhammad Nafik Hadi
Published: October 2020

Productive zakat is the management of zakat funds by providing assistance in the form of business activity funds to mustahiq. The purpose of productive zakat funds to the community is to improve the economic welfare of mustahiq. CIBEST (Center of Islamic Business and Economic Studies) is a method of measuring mustahiq poverty that is based not only on material aspects, but spiritual mustahiq before and after obtaining assistance from zakat funds. This study aims to determine the condition of mustahiq poverty before and after receiving assistance from zakat funds Al-Falah Social Fund Foundation, Surabaya City. The approach used in research is a quantitative approach with case studies. In the technique of collecting data using interview techniques directly to Mustahiq based on questionnaires. The result of this study is that there is a change in the condition of the Mustahiq Quadrant I family (Prosperous) before getting zakat assistance, namely 3 heads of families to 5 heads of families. Quadrant II (Material Poverty) before getting zakat assistance, namely 1 family head, 0 family heads. Quadrant III (Spiritual Poverty Index) before getting help from one family head, 3 family heads. Quadrant IV (Absolute Poverty) before getting zakat assistance, namely 4 heads of families, becomes 0 family heads.Keywords: Productive Zakat, CIBEST, Mustahiq
Peran Wakaf Produktif Dalam Pemberdayaan Kemandirian Ekonomi Pondok Pesantren (Studi kasus Pesantren Tebuireng Yayasan Hasyim Asyari Jombang)
Authors: Wijaya Muhammad Widyarta , Sukmana Raditya
Published: October 2020

This study aims to describe the role of productive endowments in economic empowerment of Islamic boarding schools. This study used qualitative research methods. The analysis technique used is descriptive with a case study method in which this research is conducted by conducting interviews, documentation and direct observation. The results of the study show that the Nazi Hasyim Asyari Foundation has managed 7 productive waqf units which focus on the local unit of teaching and learning very well as seen from the average monthly profit of around 2.2 billion Rupiah. The profit is allocated 80% for the development of Islamic boarding schools and 20% for scholarships amounting to 80% of elementary school students, 75% of santri Mualimin and 100% for students. Scholarships are only given to classical education units on ideological grounds. All funding for all activities at the Tebuireng Islamic Boarding School comes from the income of productive waqf units which are supervised and developed by the Hasyim Asyari FoundationKeywords: waqf, productive waqf, productive waqf units, productive waqf roles, nazhir Hasyim Asyari Foundation
IDENTIFIKASI PENYEBAB TIDAK OPTIMALNYA PENANGANAN PEMBIAYAAN BERMASALAH DI KSPS BMT ABC CABANG PEMBANTU KLM-SURABAYA
Authors: Puspita Martha Dyah , Filianti Dian
Published: October 2020

Sharia Financial Services Cooperative (KJKS) is a form of cooperative whose business activities are engaged in financing, investment, and deposits in accordance sharia principles. in relation to financial services in the form of such financing, in this case the Sharia Financial Services Cooperative (KJKS) will be faced with several risks, among others, is the risk of default on financing channeled and the existence of fraud action (fraud) committedby the management of the financial institution. The object of this research is KSPS BMT ABC Branch KLM-Surabaya.on the object of the study found that the total gross NPF until December 2016 reached 81.84%, in addition to the impact of high levels of Gross NPF is a loss to be borne until December 2016 amounted to Rp 354.715.664. Based on the results of pre-research interview with Mr. Muhammad stated that the cause of the loss due to there are two factors namely the existence of fraud (misconduct) in the form of misuse of funds by former employees and handling financing problems that can be optimally 30% of total troubled financing. The purpose of this study is to determine the cause of the non-optimal handling of troubled financing. Things that need to be reviewed in the process of handling pembiyaan problem is based on the phenomenon that occurs in the object of research. This research uses qualitative method with exploratory case study strategy. The results of research conducted by the researchers found that KSPS BMT ABC Branch KLM-Surabaya Assistant has a concept of mixing handling of non-performing financing based on standard operating procedures with the handling of troubled financing based on kinship.Keywords: Troubled Financing, Troubled Financing Handling, Fraud
PERAN NILAI – NILAI UKHUWAH PADA PROGRAM TERNAK DESA BERDAYA YAYASAN NURUL HAYAT SURABAYA DALAM PEMBERDAYAAN EKONOMI PETERNAK DI DESA SIDOMUKTI KECAMATAN KEPOH BARU KABUPATEN BOJONEGORO
Authors: Sholikhah Imma Mufidatus , Zaki Irham
Published: October 2020

Nurul Hayat Foundation has several programs, one of which stands out is empowerment program empowered livestock village. In this program Nurul Hayat Foundation works with animal farmers who according to him are able to manage and give birth to healthy livestock. This research uses descriptive qualitative approach. The reason of the researcher using qualitative descriptive approach is to answer the questions that exist in the formulation of the problem comprehensively and deeply about how the role of ukhuwah in the village livestock program empower the Nurul Hayat Foundation Surabaya in empowerment of farmer's economy. The formulation of the problem was answered with data mostly obtained from interviews and observation. The source of data is the qurban animal farmers who cooperate with the Nurul Hayat Foundation Surabaya. The results showed that empowered livestock program at Yayasan Nurul Hayat had an impact on improving the welfare of farmers, this is not apart from applying ukhuwah value in program implementation. Networking, norms, reciprocal relationships and beliefs, the four points based on ukhuwah's value can have a positive impact on the success of the program.Keywords: Empowerment, Ukhuwah Values, Zakah, Infaq, and Shadaqah, Nurul Hayat, LAZNAZ
Tingkat Bagi Hasil Deposito Melalui Variabel Intervening Dana Pihak Ketiga Terhadap Pembiayaan Mudharabah Bank Syariah
Authors: Aji Setiyo , Mawardi Imron
Published: October 2020

This study aims to determine the effect of profit sharing rates on deposits to third party funds and financing mudharabah sharia banks partially or simultaneously. The approach used is a quantitative approach by using the pathway analysis technique with three variables, namely the profit-sharing rate of deposits as ecogenous variable. Population in this study is the sharia bank industry registered in the statistics of Islamic banking published by the website of the Bank Indonesia. The sample used in this study as many as 60 samples with data from January 2012 until December 2016. Data collection is done by collecting financial statements of the sharia bank industry monthly period 2012-2016.Keywords: Sharia banks, profit-sharing rates, third party funds, mudharabah financing
FAKTOR-FAKTOR YANG MEMPENGARUHI STRUKTUR MODAL PADA PERUSAHAAN SEKTOR PROPERTI YANG TERDAFTAR DI INDEKS SAHAM SYARIAH INDONESIA (ISSI) PERIODE 2015-2017
Authors: Ibrahim Wahyu Maulana , Prasetyo Ari
Published: October 2020

This study aims to determine the effect of Tangibility, Profitability, Liquidity, and Company Size on Capital Structure of Property and Real Estate Companies listed in Indonesia Sharia Stock Index in 2015-2017 partially or simultaneously. The approach used is a quantitative approach by using multiple linear regression analysis techniques which then the results are interpreted. The sample used in this research are 31 property and real estate companies listed in Indonesia Sharia Stock Index that meet the criteria of purposive sampling with observation period starting from 2015 until 2017. The results showed that Tangibility, Profitability, Liquidity, and Company Size variables simultaneously and significantly affect the Capital Structure of property and real estate companies listed in Indonesia Sharia Stock Index in 2015-2017. While the partial variable of Tangibility and Liquidity have positive and insignificant effect, Profitability variable has negative and significant effect, and Company Size variable have positive and significant effect to Capital Structure of property and real estate companies listed in Indonesia Sharia Stock Index in 2015-2017.Keywords: Tangibility, Profitability, Liquidity, Company Size, Capital Structure
ANALISIS PERBANDINGAN KINERJA PEMBIAYAAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL DI INDONESIA PERIODE 2014-2017
Authors: Falah Najammudin Syah , Septiarini Dina Fitrisia
Published: October 2020

Banks are institutions that have the main function as recipients and distributors of funds from the public. Funds obtained can be allocated to a variety of economic sectors and the entire area that is needed in a timely and rapid manner in the form of financing. in Indonesia there are two types of commercial banks, Islamic commercial banks and conventional commercial banks. This study aims to compare the performance of sharia commercial banks and conventional commercial banks based on NPF / NPL and FDR / LDR using the sample T-test method. The results showed that there were no significant differences in the financing performance of Islamic commercial banks and conventional commercial banks.Keywords : Kinerja Pembiayaan, Non Performing Financing (NPF), Non Performing Loan (NPL), Financing to Deposit Ratio (FDR), Loan to Deposit Ratio (LDR)