Asmawarna Sinaga, Anjur Perkasa Alam, Fariz Arkan, Sri Wahyuni Hasibuan
{"title":"Analisis Pembiayaan Dana Talangan Haji untuk Biaya Perjalan Ibadah Haji","authors":"Asmawarna Sinaga, Anjur Perkasa Alam, Fariz Arkan, Sri Wahyuni Hasibuan","doi":"10.47467/elmal.v1i2.519","DOIUrl":"https://doi.org/10.47467/elmal.v1i2.519","url":null,"abstract":" \u0000Analysis of the amount of financing the hajj bailout for the cost of the pilgrimage (Case Study of Bank Sumut Syariah Sub-Branch Stabat).Asmawarna Sinaga and Anjur Perkasa Alam. Hajj financing is a loan from a sharia bank to customers to cover the shortage of funds to obtain a seat (seat) Hajj at the time of repayment BPIH (Hajj Travel Expenses). This financing product uses the Qardh Wal Ijarah principle. The purpose of this research is to know the view of Islamic law against financing of Hajj bailout fund and to know the view of Islamic law about ujrah fee on akad of bailout fund of Hajj. This research is field research. The definition of the Hajj bailout is a bailout fund from a bank to a special customer to cover kekurangandana to cover the lack of funds to obtain a portion number at the time to pay the cost of organizing the pilgrimage. The research design uses a qualitative approach with non-statistical analysis While the data analysis techniques use content analysis and interactive methods consisting of data reduction, data collection, data presentation and conclusion. The results of this study note that the akad bailout funds in Islamic banks contain multi-akad, where the contract used qardh and ijarah is allowed. While the view of Islamic law regarding the taking of ujrah fee on hajj bailout fund is not in accordance with sharia due to the percentage of ujrah fee based on qardh fund.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-09-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127809773","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Bagi Hasil terhadap Jumlah Nasabah Deposito Mudharabah BPRS Amanah Ummah","authors":"Dedi Junaedi, Kiki Z Parhah, Moh. Romli","doi":"10.47467/elmal.v1i2.183","DOIUrl":"https://doi.org/10.47467/elmal.v1i2.183","url":null,"abstract":"\u0000 \u0000 \u0000 \u0000The principle of profit sharing in syaria'ah banking is the main and most important principle, because profit (profit sharing) is the reward (wages) for business and capital while Mudharabah deposits are time deposits with a Mudharabah agreement where the owner of the funds (shahibul maal) entrusts his funds by the bank to be managed or acts as a mudharib with profit sharing according to the agreed ratio from the start The purpose of this study is to analyze whether the nominal profit sharing has an effect on the number of Mudharabah deposit customers at BPR Syariah Amanah Umah period 2013–2015.The sample in this study is BPR Syariah Amanah Ummah for the period 2013-2015. This type of research is a quantitative research with the methods of collecting interview data, documentation and observation. The data used in this study are secondary data obtained from published financial data and from interviews with BPRs. The analytical tool used is linear regression, then the data is processed using SPSS 21 to test classical assumptions and hypothesis testing. Results of analysis Based on the results of the t test above, it can be seen that the profit sharing of 12 months deposits and the presence of an office have a positive and significant effect in influencing the variable number of Mudharabah deposit customers and negatively affecting the profit sharing of 6 months deposits. Based on the results of the F statistical test above, it can be seen that all independent variables (6 months profit sharing, 12 months profit sharing and office presence) together have a significant effect on the number of deposit customers at BPR Syariah Amanah Ummah Based on the coefficient of determination (R² ) amounting to 0.557 which means the number of Mudharabah customers at BPR Syariah Amanah Ummah can be explained by independent variables of 55.7% and the remaining 45.3% is influenced by other variables outside of this research model. \u0000 \u0000 \u0000","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125013706","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Pergeraka Tingkat Suku Bunga dan Inflasi terhadap Nilai Aktiva Bersih Reksadana Saham","authors":"Evinovita Evinovita, Anwar Rahim, Handono Ishardyatmo","doi":"10.47467/elmal.v1i2.296","DOIUrl":"https://doi.org/10.47467/elmal.v1i2.296","url":null,"abstract":"This study aims at determining the influence of BI interest rate and inflation toward NAV balance mutual funds. This research was conducted during the period of data since 2008 to 2012. The sample used was the 30 balance mutual funds that are registered and active traded in Bapepam. From the results of the research literature conclude the basic assumptions that variable BI interest rate, and inflation levels affect the NAV of balance mutual funds. Hypothetical tested is that there is a significant influence among independent variables to dependent variables, both partial and simultaneous. Research was conducted with regression analysis using application of Eviews 6.0. The test results shows that thypothetical is supported by data. Variable index BI interest rate can influence a positive significant to NAV balance mutual funds amounted 2,152514; inflastion levels can influence a negative significant to NAV balance mutual funds amounted 0,730341; the independent variables BI rate (X1) and inflastion (X2) both partial and simultaneous can influence to NAV balance mutual funds \u0000at trust level 5%.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"69 14","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114005572","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Konsep Produksi Islami","authors":"Efrita Norman","doi":"10.47467/elmal.v1i2.182","DOIUrl":"https://doi.org/10.47467/elmal.v1i2.182","url":null,"abstract":"This study was to explain about the concept of production in Islamic perspective. This study was also purposed to give explanation about the Islamic concept of production. Production was thought to play important role in economic activities. It was impossible to do other economic activities such as consumption, distribution or trading without the production itself. In conventional term, production was limited as a process to make or create something, such as product, etc. It had placed profit over everything. On the other hand, in Islamic perspective, the production had been placed on the spirit of Islam itself. It contained fairness, benefit for either the producer or consumer. Shortly, it related to the principles of Islam.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-07-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132761651","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Prinsip-Prinsip Kepemilikan Harta Dalam Islam","authors":"Lukman Hamdani","doi":"10.47467/elmal.v1i2.180","DOIUrl":"https://doi.org/10.47467/elmal.v1i2.180","url":null,"abstract":"\u0000 \u0000 \u0000 \u0000Property is one of the most important instruments in this life, because wealth is as a support for the continuity of human life, in Islam it is always emphasized the importance of independence in owning property through work or business, because Allah really loves his servant who is always giving alms with his own property. Allah Almighty really likes hard workers or people who are persistent in seeking treasure for the sake of the afterlife, even Allah SWT emphasizes in Surah at-taubah father 10. And Say: \"Work for you, Then Allah and His Messenger and the believers will see your work, and you will be returned to (Allah) who knows the unseen and the real, then He tells you what you have done.Even the Companions of the Messenger of All āh adalah were rich people who possessed wealth for the progress and development of Islam at the time, a very real example was the Friends of Abu Bakr, Abdurrah bin ʻAuf, Uthman ibn Affan and the Wife of the Messenger of All āh adalah was a great entrepreneur, Siti Khadijah. They are friends looking for wealth and have it as much as possible then after that they distribute their wealth through ZISWAF, it is obligatory and must for Muslims to seek have property for the benefit of the world and the hereafter and the interests of Muslims and provision in the hereafter Can be concluded that ownership of property in Islam it is very important because it is a means of sustaining life and as a place to find savings for ukhrawi life later, because indeed ownership of property in Islam is not only focused on worldly matters, but there are two elements that are always included, namely for worldly and spiritual interests It should be underlined in the ownership of the property that the principle must be instilled that this property has the absolute God Almighty, we are only temporarily entrusted, therefore it is not beautiful to not distribute the assets we have to people in need through ZISWAF instruments. \u0000 \u0000 \u0000","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-03-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114632966","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Faktor Penyebab Rendahnya Minat UMKM di Kecamatan Pamijahan Dalam Memilih Pembiayaan pada Bank Syariah","authors":"Hanifah Aqliyah, Evinovita Evinovita","doi":"10.47467/elmal.v1i1.294","DOIUrl":"https://doi.org/10.47467/elmal.v1i1.294","url":null,"abstract":"This study aims to analyze the factors causing low interest of MSMEs in Pamijahan District in choosing financing for Islamic banks. The study was conducted using quantitative research methods with primary data from the secondary. Primary data was obtained through a questionnaire survey of the Pamijahan community. The sample, a number of 25 UMKM in the Pamijahan Subdistrict neighborhood, was taken proportionally puporsif. The study period was three months in the April-June 2018 period. Based on the partial test (t test) shows that promotion has a positive influence on the interests of UMKM in Pamijahan District. Based on the simultaneous test (test f), products, financing procedures, promotion and profit sharing together have a positive effect on the increasing interest of UMKM in Pamijahan District in choosing financing in Islamic banks (R2 0.609). The most dominant factor influencing the increasing interest of UMKM in Pamijahan District, choosing Islamic bank financing is the promotion factor.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"52 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-03-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122583831","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Penyusunan dan Pemilihan Portofolio yang Efektif:","authors":"Y. Permana","doi":"10.47467/elmal.v1i1.280","DOIUrl":"https://doi.org/10.47467/elmal.v1i1.280","url":null,"abstract":"One thing that investors need to decide to choose the best option in their investment is the best portfolio arrangement. But, the problem was that many of them couldn’t make and arrange their portfolio arrangement well. So, this study was trying give them the way how to arrange the best portfolio and choose the best stock for their investment. This study was conducted by using Markowitz statistical model. The study lasted for four weeks and used five different stocks AT Bursa Efek Indonesia. They were (1) PT. Astra Internationan Indonesia (ASII), (2) PT. Telkom Indonesia (TLKM), (3) PT. Astra Agro Lestari (AALI), (4) PT. Bank Rakyat Indonesia (BBRI), and (5) PT. Aneka Tambang Tbk stocks (ANTM). The result showed that the stocks of PT. Astra Agro Lestari (AALI) and PT. Aneka Tambang Tbk stock (ANTM) as the best options to invest in stocks based on the markowitz portfolio model.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123877885","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Persepsi Mahasiswa terhadap Minat Menabung di Bank Syariah:","authors":"Rohmatul Umah, Rio Kartika Surpiyatna, M. Hubeis","doi":"10.47467/elmal.v1i1.176","DOIUrl":"https://doi.org/10.47467/elmal.v1i1.176","url":null,"abstract":"Oleh Rohmatul Umah1, Rio Kartika Supriyatna2, dan Musa Hubeis3 \u0000 \u0000 \u0000 \u0000Authors \u0000 \u0000Rumhatul Ummah IAI Sahid \u0000Rio K Surpiyatna \u0000Musa Hubeis \u0000 \u0000 \u0000 \u0000DOI: \u0000https://doi.org/10.47467/elmal.v1i1.4 \u0000 \u0000Keywords: \u0000 \u0000 \u0000Abstract \u0000This research was motivated by the low interest in saving FEBI INAIS students in Islamic Banks. The purpose of the study was to analyze the influence of the perception of FEBI INAIS students on the interest in saving at a Sharia Bank This research is quantitative and data collection method with questionnaire distribution technique. The total population is 386 FEBI INAIS active students, using random sampling techniques and the sample used by 200 respondents taken using the Slovin method, the analysis used in this study is simple linear regression analysis, which consists of one dependent variable and one independent variable. The results showed that the variables of student perceptions of Islamic banks had a real and positive influence on the interest in saving FEBI INAIS students in Islamic banks. The perception of FEBI INAIS students contributed to the influence of interest in saving in Islamic Banks 22.9%, and the rest (77.1%) was the influence of other factors, which were not examined. \u0000 \u0000 \u0000 \u0000","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"68 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-03-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125038338","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengorganisasian Dalam Pandangan Islam","authors":"Jamaludin Rahman","doi":"10.47467/elmal.v1i1.173","DOIUrl":"https://doi.org/10.47467/elmal.v1i1.173","url":null,"abstract":"\u0000 \u0000 \u0000 \u0000The term organization has two general meanings. First, the organization is defined as an institution or functional group, for example: a company, a school, an association, government agencies. Second, referring to the organizing process, namely how work is organized and allocated among members, so that the goals of the organization can be effectively achieved. While the organization itself is defined as a group of people with a system of cooperation to achieve common goals. There are two help words contained in the Qur'an to study this organization. The word is Shaff and the Ummah. The word shaff inspires the concept that organizations must have members, consisting of people, in a place, there is order, purpose, leader, delegation of authority and responsibility, and there is sincere intention and struggle in the way of God. The conclusion that the organizational structure at the time of the Messenger of All āh if reached the khalifah and is now almost the same, only different ideologies. Formerly using the law of Allah SWT, based on the Qur'an and hadith, while at this time we use the Pancasila ideology, using two sources of law: the civil / criminal law of the Dutch heritage and the compilation of Islamic law. At the time of Islam, financial instruments focus on the zakat and tax sectors, while for our government today we use more tax financial instruments. Organizations in the view of Islam are not merely a container, but rather emphasize how a job is done neatly. The organization places more emphasis on regulating work mechanisms. every person who accepts the leadership task that the highest leadership belongs to Allah, for that the leadership given and carried out must always refer to the basic concepts built in Islam. The thing that must be realized that in a good organization must also be accompanied by Islamic values including sincerity, togetherness and sacrifice. \u0000 \u0000 \u0000","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-02-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133145595","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Analisa Faktor Internal Penyebab NPL Kredit Mikro: Studi Kasus PT BPR Wahana Sentra Artha Majalengka","authors":"Faisal Salistia","doi":"10.47467/EL.V1I1.279","DOIUrl":"https://doi.org/10.47467/EL.V1I1.279","url":null,"abstract":"The role of BPRs in providing capital assistance to MSME business units, still has to deal with the internal management of the bank's own management. This must be understood because one of the factors to assess the health of a BPR is to look at the NPL (Non- Performing Loan) ratio, calculated from the total loans that fall into the non -current category, divided by the total credit given. Where is the maximum ratio determined by Bank Indonesia, which is below 5%. This means that if a BPR has an NPL ratio above 5%, then it can be assumed that there is a failure in implementing an inefficient and ineffective lending strategy. Therefore, it is necessary to examine the factors that influence the high NPL of rural banks (BPR), especially from credit lending strategies. In addition, economic conditions and business competition and forecasting of future conditions, conduct training for AO to sharpen credit analysis, ensure that the process of submission and disbursement of credit quickly and easily provides various alternative options for debtors to pay their credit, providing standard procedure for granting credit, conducting a survey of the place of business against the submission of business credit. The research objective is to analyze 1) the influence of BP's internal conditions on the lending strategy. 2) Analyzing the effect of Credit Giving Strategy on Non -Performing Loans. The research method uses a survey method with a multiple linear regression approach to obtain information on the influence of both of these. The results of the study show that 1) the internal condition of the BPR has a positive and significant effect on the lending strategy (the condition of the organization within the organization and formally has direct and specific implications on BPR). 2) that the lending strategy has a negative and significant effect on NPL. The lending strategy applied by BPRs \u0000is a means to control the development of credit thrown into the market by the BPR.","PeriodicalId":131028,"journal":{"name":"El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam","volume":"78 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2018-02-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125024403","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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