Human Falah Jurnal Ekonomi dan Bisnis Islam最新文献

{"title":"PERAN PERBANKAN SYARIAH DALAM PENYERAPAN TENAGA KERJA PADA SEKTOR RIIL","authors":"M. E. Syarief, Setiawan Setiawan, N. Khairina","doi":"10.30829/hf.v7i1.6812","DOIUrl":"https://doi.org/10.30829/hf.v7i1.6812","url":null,"abstract":"This paper aims to examine the labor absorption in the real sector, including three essential determinants, namely Non-Performing Financing, Third Party Funds, and Profit-Sharing Financing. The object of this research is the Islamic Commercial Bank in Indonesia. Data analysis techniques in this study use path analysis. The results showed that (i) Profit Sharing Financing and Non-Performing Financing directly had a positive and significant effect on the Real Sector Labor Absorption variable; (ii) Third Party Funds are insignificant to the variable Real Sector Labor Absorption; (iv) Third Party Funds have a positive and significant effect on the variable Real Sector Labor Absorption through Profit-Sharing Financing; and (v) Non-Performing Financing is not significant to the Real Sector Labor Absorption variable through Profit-Sharing Financing.","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-06-19","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90297235","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 KREDIT PERBANKAN KONVENSIONAL DAN PEMBIAYAAN PERBANKAN SYARIAH TERHADAP PERTUMBUHAN EKONOMI INDONESIA","authors":"Danil Syahputra, Supiah Ningsih","doi":"10.30829/hf.v7i1.6806","DOIUrl":"https://doi.org/10.30829/hf.v7i1.6806","url":null,"abstract":"Penyaluran dana di perbankan memiliki pengaruh yang sangat besar terhadap kehidupan ekonomi masyarakat. Dengan adanya penyaluran dana ke masyarakat baik dari perbankan konvensional maupun perbankan syariah, masyarakat dapat menggunakan dana tersebut untuk kegiatan usahanya baik mikro maupun makro yang berdampak terhadap tumbuhnya perekonomian Indonesia. Penelitian ini memiliki tujuan yaitu untuk menganalisis pengaruh kredit perbankan konvensional dan pembiayaan perbankan syariah terhadap pertumbuhan ekonomi Indonesia selama 10 tahun dari tahun 2009 sampai dengan tahun 2018. Tahapan metode yang akan dipakai dalam penelitian ini adalah diagram alir penelitian, pengumpulan data, studi pustaka, identifikasi masalah, praproses, analisis data (analisis data yang digunakan yaitu regresi linier berganda, uji normalitas, uji asumsi klasik (uji multikolinearitas dan uji autokorelasi), uji statistik (koefisien determinasi (R2), uji F statistik, dan uji t statistik), hasil analisis data, evaluasi akhir, dan pendekatan penelitian. Hasil dari penelitian ini yaitu variabel kredit perbankan konvensional berpengaruh signifikan terhadap variabel Produk Domestik Bruto (PDB) dan variabel pembiayaan perbankan syariah tidak berpengaruh signifikan terhadap variabel Produk Domestik Bruto (PDB). Kemudian variabel kredit perbankan konvensional dan variabel pembiayaan perbankan syariah secara simultan signifikan mempengaruhi variabel Produk Domestik Bruto (PDB).     ","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-06-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87281927","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 RETURN ON ASSETS (ROA), RETURN ON EQUITY (ROE), NET PROFIT MARGIN (NPM), DAN GROSS PROFIT MARGIN (GPM) TERHADAP HARGA SAHAM PERBANKAN SYARIAH PERIODE TAHUN 2014-2018","authors":"Nur Ahmadi Bi Rahmani","doi":"10.30829/hf.v7i1.6944","DOIUrl":"https://doi.org/10.30829/hf.v7i1.6944","url":null,"abstract":"<span lang=\"IN\">Laporan keuangan khususnya yang terkait dengan ROA, ROE, NPM, dan GPM adalah salah satu informasi penting yang digunakan oleh investor untuk menilai kinerja perusahaan. Penelitian ini bertujuan untuk mengetahui dan mempelajari pengaruh variabel ROA, ROE, NPM, dan GPM terhadap harga saham perbankan syariah periode 2014-2018. Objek penelitian ini adalah </span><span lang=\"IN\">bank Syariah yang telah menerbitkan Laporan Keuangan periode 2014-2018. </span><span lang=\"IN\">Data yang digunakan adalah data sekunder berupa data tahunan yang diambil dari laporan tahunan masing-masing bank. Hasil penelitian menunujukan Return On Assets (Roa), Return On Equity (Roe), Net Profit Margin (Npm), Dan Gross Profit Margin (Gpm)</span><span lang=\"EN-US\"> memiliki pengaruh yang signifikan terhadap Harga Saham perusahaan perbankan di Indonesia</span>","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74339002","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":"PERAN BAITUL MAL WA TAMWIL (BMT) DALAM PENGEMBANGAN EKONOMI UMAT","authors":"Soritua Ahmad Ramdani Harahap, Mohammad Ghozali","doi":"10.30829/hf.v7i1.4058","DOIUrl":"https://doi.org/10.30829/hf.v7i1.4058","url":null,"abstract":"AbstractIndonesian nation does’nt want to be positioned as a consumerist nation and the largest debtor country in the world. The important thing that is needed by the people of Indonesia today is the emergence of hope for the optimization of BMT in the field of empowering the poor in developing the people's economy. This study aims to determine the role of BMT as an Islamic financial institution in developing the current economic community. The results showed that the role of the Baitul Mal wa Tamwil (BMT) as a microfinance institution operated with a profit sharing concept, developed a sharia micro business that aimed to raise the degree and dignity and defend the interests of the poor and disadvantaged groups. As a sharia financial institution engaged in the economic development of the people, BMT must continue to evaluate each activity in order to improve the products offered. Therefore, BMT must now try to optimize development with a precise strategy so that people can continue to believe in BMT rather than conventional financial institutions.Keywords: BMT, Sharia Micro Enterprises, Islamic financial institutions AbstrakBangsa Indonesia tidak ingin diposisikan sebagai bangsa konsumeris dan negara pengutang terbesar di dunia. Hal penting yang dibutuhkan oleh masyarakat Indonesia saat ini adalah munculnya harapan terhadap optimalisasi BMT dalam bidang pemberdayaan masyarakat miskin dalam mengembangkan ekonomi umat. Penelitian ini bertujuan untuk mengetahui peran BMT sebagai lembaga keuangan Islam dalam mengembangkan ekonomi umat saat ini. Hasil penelitian menunjukkan bahwa peran Baitul Mal wa Tamwil (BMT) sebagai lembaga keuangan mikro yang dioperasikan dengan sebuah konsep bagi hasil, mengembangkan bisnis usaha mikro syariah yang bertujuan mengangkat derajat dan martabat serta membela kepentingan kaum fakir miskin dan golongan orang tidak mampu. Sebagai lembaga keuangan syariah yang bergerak dalam pengembangan ekonomi umat, BMT harus terus mengevaluasi setiap aktivas dalam rangka meningkatkan produk-produk yang ditawarkan. Maka dari itu, BMT saat ini harus berusaha mengoptimalkan pengembangan dengan strategi yang jitu agar masyarakat bisa terus percaya pada BMT daripada lembaga keuangan yang konvensional.Kata kunci: BMT, Usaha Mikro Syariah, lembaga keuangan islam","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"76600990","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 DOW JONES ISLAMIC MARKET INDEX (DJIMI), NILAI TUKAR/KURS RUPIAH DAN HARGA MINYAK DUNIA TERHADAP PERGERAKAN JAKARTA ISLAMIC INDEX (JII) 2014 – 2018","authors":"Fitrianto Fitrianto","doi":"10.30829/hf.v7i1.5644","DOIUrl":"https://doi.org/10.30829/hf.v7i1.5644","url":null,"abstract":"<p align=\"center\"><strong><em>Abstract</em></strong></p><p><em>This study aims to empirically investigate the effect of the Dow Jones Islamic Market Index (DJIMI), Exchange Rate, and World Oil Prices on the movements of the Jakarta Islamic Index (JII). This research uses quantitative research methods, using multiple linear regression analysis models. Data collection uses secondary data from documentation related data. Data is taken from the monthly closing price of each variable from 2014-2018 (60 months). The research test uses the t test and F test and is processed using SPSS16. The results showed that DJIMI, Exchange Rate, and World Oil Prices had a significant effect on JII both partially and simultaneously.</em></p><p><strong><em>Keywords: Dow Jones Islamic Market Index (DJIMI), Exchange Rate, World Oil Price, Jakarta Islamic Index (JII)</em></strong></p><p><strong><em> </em></strong></p><p align=\"center\"><strong>Abstrak</strong></p><p>Penelitian ini bertujuan untuk mengetahui secara empiris pengaruh <em>Dow Jones Islamic Market Index</em> (DJIMI), Kurs, dan Harga Minyak Dunia terhadap pergerakan <em>Jakarta Islamic Index</em> (JII). Penelitian ini menggunakan metode penelitian kuantitatif, dengan menggunakan model analisis regresi linear berganda. Pengumpulan data menggunakan data sekunder dari dokumentasi data terkait. Data diambil dari harga penutupan bulanan masing-masing variabel dari tahun 2014-2018 (60 bulan). Pengujian penelitian menggunakan uji t dan uji F dan diolah menggunakan SPSS16. Hasil penelitian menunjukkan DJIMI, Kurs, dan Harga Minyak Dunia berpengaruh signifikan terhadap JII baik secara parsial maupun secara simultan.</p><p><strong>Kata Kunci</strong>: <strong><em>Dow Jones Islamic Markat Index</em> (DJIMI), Kurs, Harga Minyak Dunia, <em>Jakarta  Islamic Index</em> (JII)</strong></p>","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87064165","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 PEMBIAYAAN MURABAHAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP PEMBERIAN KEUNTUNGAN BANK UMUM SYARIAH","authors":"Rudy Irwansyah, Syahrial Hidayat","doi":"10.30829/hf.v7i1.6807","DOIUrl":"https://doi.org/10.30829/hf.v7i1.6807","url":null,"abstract":"Pada saat ini perbankan syariah berkembang dengan pesat di Indonesia. Hal ini dapat dilihat dari semakin banyaknya bank-bank syariah di Indonesia dengan semakin berkembanganya Bank Umum Syariah (BUS), Unit Usaha Syariah (UUS), dan Bank Pembiayaan Rakyat Syariah (BPRS). Salah satu bank syariah yang paling berkembang di Indonesia adalah Bank Umum Syariah (BUS) baik dari segi penghimpunan dana maupun dari segi pembiayaan. Pembiayaan yang sering dilakukan oleh Bank Umum Syariah (BUS) adalah murabahah dan musyarakah. Tujuan dari penelitian ini yaitu untuk mengetahui bagaimana pengaruh pembiayaan murabahahah dan pembiayaan musyarakah terhadap pemberian keuntungan pada Bank Umum Syariah (BUS) baik secara simultan ataupun parsial. Tahapan metode yang akan dipakai dalam penelitian ini adalah diagram alir penelitian, pengumpulan data, studi pustaka, identifikasi masalah, praproses, analisis data (analisis data yang digunakan yaitu regresi linier berganda, uji normalitas, uji asumsi klasik (uji multikolinearitas dan uji autokorelasi), uji statistik (koefisien determinasi (R2), uji F statistik, dan uji t statistik), hasil analisis data, evaluasi akhir, dan pendekatan penelitian. Hasil dari penelitian ini yaitu variabel pembiayaan murabahah tidak berpengaruh dan tidak signifikan terhadap variabel Return on Asset (ROA) dan variabel pembiayaan musyarakah berpengaruh signifikan terhadap variabel Return on Asset (ROA). Begitu juga dengan variabel pembiayaan murabahah dan variabel pembiayaan musyarakah secara simultan signifikan mempengaruhi variabel Return on Asset (ROA).            ","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2020-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"90280487","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":"Tinjauan Perkembangan dan Pertumbuhan Perbankan Syariah di Indonesia","authors":"Dedi Suhendro","doi":"10.31227/osf.io/5x8hd","DOIUrl":"https://doi.org/10.31227/osf.io/5x8hd","url":null,"abstract":"The largest population of Islam in the world is an Indonesian country where the amouth of Muslim population reaches 204 million inhabitants. The amouth of Islam that is classified as many in Indonesia, has a potential to trigger the development and growth of sharia banks. Government's attention and support for sharia banking is strengthened by the policy with the issuance of sharia banking law. PT Bank Mualat Indonesia is the first syariah bank in Indonesia which was established and operated in 1992 then followed by other sharia bank. PT Bank Muamalat Indonesia was born from the work of the banking team of the Majelis Ulama Indonesia (MUI), which on November 1, 1991 signed the deed of establishment of PT Bank Muamalat Indonesia, collected the purchase of shares of Rp.84 billion. The established sharia bank is a financial services banking institution operating on the basis of Islamic ethics and value systems, especially those free of interest (riba), free from speculative non-productive activities such as gambling (maysir), free from unclear and dubious matters (gharar), based on justice principles, and only finance halal business activities. The institutionalsector from 2007 to 2017 when viewed from the BUS (Islamic Commercial Bank) has increased although the increase is not too high, while the USS (Islamic Business Unit of a Conventional Bank) has fluctuated, the a mouth of BPRS (Islamic Rural Bank) has increased very well, growth the a mouth of sharia banking office network also fluctuated. The development and growth of total assets, DPK (Depositor Funds), and the amount of PYD (Financing) has always increased from 2007 to 2017. So that Islamic banks become a good banking model and is ideal in advancing the nation's economy","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2018-12-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46681579","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":"Peran Bank Pembiayaan Rakyat Syariah dalam Mengimplementasikan Keuangan Inklusif melalui Pembiayaan UMKM","authors":"A. Rifai","doi":"10.24042/FEBI.V2I2.1639","DOIUrl":"https://doi.org/10.24042/FEBI.V2I2.1639","url":null,"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.","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2017-12-10","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42356191","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":"PRODUK GADAI EMAS DI PERBANKAN SYARIAH: ANALISIS MASLAHAH EKONOMI","authors":"Muhammad Yafiz","doi":"10.32678/ALQALAM.V34I1.733","DOIUrl":"https://doi.org/10.32678/ALQALAM.V34I1.733","url":null,"abstract":"Gold Pawn practices in Islamic Banking can give rise to speculation action due to volatility in the market price of gold. The purpose of this study was to perform stress testing whether there is a bank and the customer losses when the price of gold down by using a static simulation. The data used is secondary data that the value of (qardh) cumulative gold on Islamic banking in Indonesia started March 2004 to May 2015 year. The results of stress testing on the static simulation result of a 50% decline in gold prices shows that there are positions CAR below 8% for 3 months. Practice gold pawn is not in accordance with maslahah mursalah for having violated the rules of economic harm to banks and customers and can be considered to maslahah mulgha or maslahah sukuti where maslahah is not in accordance with personality in the economic analysis of Islam.","PeriodicalId":31162,"journal":{"name":"Human Falah Jurnal Ekonomi dan Bisnis Islam","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2017-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48202187","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}