Iqtishadia Jurnal Ekonomi Perbankan Syariah最新文献_第2页

MANAJEMEN RISIKO OPERASIONAL PADA PERBANKAN SYARIAH: BIBLIOMETRIK 伊斯兰银行的业务风险管理:参考书目

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-11-04 DOI: 10.19105/iqtishadia.v9i2.6729

Yuniar Aprilia, Aqif Khilmia, Zakiyyah Ilma Ahmad

引用次数: 1

The Merger of State-Owned Enterprises of Bank Syariah Indonesia in Positive Legal Review and Maqashid Syariah 印尼伊斯兰银行国有企业并购的实证法律审查与Maqashid伊斯兰银行

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-11-04 DOI: 10.19105/iqtishadia.v9i2.6547

Sholihul Hidayat, Achmad Fageh

{"title":"The Merger of State-Owned Enterprises of Bank Syariah Indonesia in Positive Legal Review and Maqashid Syariah","authors":"Sholihul Hidayat, Achmad Fageh","doi":"10.19105/iqtishadia.v9i2.6547","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i2.6547","url":null,"abstract":"As a form of the government's participation in paying attention to and developing the market share of the Islamic economy in Indonesia, the three state-owned Islamic banks (BNI Syariah, BRI Syariah, and Mandiri Syariah) were merged into one. With the hope of being able to expand the Islamic banking market both nationally and internationally. This study aims to examine the merger of the three state-owned Islamic banks in terms of positive Law in it and to review it from the perspective of Maqashid sharia. This study uses a qualitative descriptive method by using secondary data obtained through a literature review with references from books, journals, and other literature related to this research. The results of this study indicate that the merger of state-owned banks, Bank Syariah Indonesia, is on the right track, legally positive, and in terms of Maqashid sharia. This is a step and effort by the government in maintaining and developing sharia market share in line with the maqashid sharia principle; keep and or attract good and keep away bad. In addition, some of them are launching a literacy program in understanding the concept of Islamic economics for the community so that the noble values of Islam are maintained and run in banking economic activities. However, it still requires other developments in the aspect of justice that must be initiated by BSI, of course, by continuing to carry the message of sharia in it.","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"50 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-11-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86954945","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}

引用次数: 3

Analisis Tingkat Kesehatan Perbankan Syariah dengan Metode CAMEL 用骆驼的方法分析伊斯兰银行的健康水平

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-06-03 DOI: 10.19105/iqtishadia.v9i1.4403

Mohammad Rizal, Arini Fitria Mustapita

{"title":"Analisis Tingkat Kesehatan Perbankan Syariah dengan Metode CAMEL","authors":"Mohammad Rizal, Arini Fitria Mustapita","doi":"10.19105/iqtishadia.v9i1.4403","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i1.4403","url":null,"abstract":"Penelitian ini bertujuan untuk menganalisa tingkat kesehatan perbankan syariah yang terdaftar di Bursa Efek Indonesia pada tahun 2015-2019 dengan metode CAMEL. Penelitian ini menggunakan metode CAMEL untuk melakukan Analisis tingkat kesehatan sebuah bank. Hasil penelitian menemukan bahwa Capital dengan menggunakan analisis CAR yang didapatkan aktiva perbankan syariah mengandung aktiva risiko baik kredit, surat berharga, ataupun tagihan pada perbankan lain yang dibiayai dari keseluruhan modal sendiri disamping mendapatkan dari sumber diluar perbankan yang dihitung berdasarkan modal perbankan atas aktiva tertimbang menurut risiko. Asset Quality dengan menggunakan analisis NPL dan didapatkan bahwa perbankan syariah mampu mengelola kredit bermasalah atas jumlah kredit. Management dari analisis NPM maupun BOPO Beberapa bank syariah tergolong dalam predikat yang tidak sehat, diantaranya bank Muamalat Indonesia dan bank Panin syariah. Bank yang tergolong kriteria tidak sehat berarti perbankan tersebut tidak mampu mengelola kegiatan operasional. Earning dalam analisis ROA ataupun ROE dapat ditarik kesimpulan bahwa bank panin Syariah mengalami predikat tidak sehat. Liquidity dengan menggunakan analisis LDR didapatkan bahwa perbankan syariah mempunyai sumber modal dari pihak ketiga yang dibutuhkan guna membiayai kredit yang membuat semakin besar yang mengindikasikan bahwasannya perbankan syariah mempunyai kemampuan likuiditas perbankan yang semakin rendah.","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"76 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-06-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87696119","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}

引用次数: 1

Analisis Manajemen Risiko Pada Pembiayaan Kepemilikan Rumah (PKR) Sejahtera pada Bank Aceh Syariah

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-05-31 DOI: 10.19105/iqtishadia.v9i1.4507

N. Sari, Rachmi Meutia, Julita Julita

{"title":"Analisis Manajemen Risiko Pada Pembiayaan Kepemilikan Rumah (PKR) Sejahtera pada Bank Aceh Syariah","authors":"N. Sari, Rachmi Meutia, Julita Julita","doi":"10.19105/iqtishadia.v9i1.4507","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i1.4507","url":null,"abstract":"Tujuan utama penulisan artikel ini ialah untuk menganalisis manajemen risiko pada Pembiayaan Kepemilikan Rumah (PKR) Sejahtera pada PT. Bank Aceh Syariah Kantor Cabang Banda Aceh. Adapun metode yang digunakan dalam penulisan artikel ini yaitu kualitatif deskriptif. Untuk dapat memperoleh pembiayaan PKR Sejahtera, calon nasabah harus memenuhi ketentuan umum, serta melengkapi syarat-syarat yang menjadi ketentuan PT. Bank Aceh Syariah Kantor Cabang Banda Aceh. Manajemen risiko yang diterapkan pada PKR Sejahtera antara lain: 1. identifikasi risiko, seperti risiko yang dapat diidentifikasi dari PKR Sejahtera ialah nasabah membatalkan akad jual beli rumah, nasabah melakukan manipulasi terhadap informasi data penghasilan, nasabah memanipulasi harga objek barang dan lain sebagainya namun sampai saat ini belum terjadi risiko yang demikian karena Bank Aceh memperhatikan dokumen penting terkait keaslian data nasabah. 2. Pengukuran risiko, dalam mengukur risiko PKR, bank menerapkan 5 prinsip yaitu sebagai berikut: character (jujur, tanggung jawab, dan lainnya), capacity (dilihat dari aspek kemampuan nasabah dalam membayarkan kewajibannya), capital (modal yang dimiliki oleh nasabah), collateral (jaminan pada PKR Sejahtera yaitu rumah yang diberikan oleh bank kepada nasabah) dan conditional (kondisi keberlangsungan usaha nasabah harus secara konsisten bukan usaha musiman) 3. Pemantauan Risiko, Bank Aceh mengukur level risiko itu sendiri dengan kriteria rendah yaitu apabila nasabah tidak melunasi kewajibannya 1-2 bulan , sedang yaitu nasabah tidak membayar 1 hingga 5 bulan dan tinggi yaitu apabila nasabah tidak mampu membayarkan kewajibannya lebih dari 6 bulan ke atas. 4. Pengendalian Risiko, langkah terakhir ini dilakukan untuk mengendalikan risiko berdasarkan tingkat kolektibilitas bank, dimulai dari kolektibilitas 1 s/d 5, apabila telah sampai pada kolektibilitas 5 maka bank berhak melakukan eksekusi terhadap barang jaminan yaitu penyitaan rumah yang telah diberikan kepada nasabah. ","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78862337","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}

引用次数: 0

Relationship Marketing Dalam Perspektif Islam

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-05-20 DOI: 10.19105/iqtishadia.v9i1.5589

Achmad Fageh, Fatimatul Fatmariyah, Fathor As

{"title":"Relationship Marketing Dalam Perspektif Islam","authors":"Achmad Fageh, Fatimatul Fatmariyah, Fathor As","doi":"10.19105/iqtishadia.v9i1.5589","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i1.5589","url":null,"abstract":"From an Islamic perspective, the concept of relationship marketing is standard and internationally recognized. However, so far, there is no such thing. Indeed, in Islamic teachings, the idea of RM brought by western scientists has been contained in the Al-Qur'an and Al-Hadits. Even the concept of relationships in Islamic education is more comprehensive. This article aims to explain the idea of relationship marketing from an Islamic perspective and its main components. This type of research is qualitative through literature study and content analysis. The analysis results show that the concept of relationship marketing from an Islamic perspective is demonstrated through various terms, components, and constructs, including Islamic relationship marketing, shariah relationship marketing, Islamic customer relationship marketing, shariah customer relationship marketing, etc. Islamic Relationship Marketing (IRM) was developed from relationship marketing and Islamic ethical behavior. Shariah Relationship Marketing (SRM) was designed from relationship marketing and Shariah Compliance. The components of IRM are Islamic ethical behavior, social bonds, structural bonds, and financial bonds, and the features of SRM are bonding, communication, commitment, complaint handling, trust, and sharia compliance.","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"51 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83761093","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}

引用次数: 0

Distribusi Pendapatan Perspektif M. Abdul Mannan dan Realisasinya di Indonesia

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-05-17 DOI: 10.19105/iqtishadia.v9i1.5665

Aqif Khilmia, Lilik Rahmawati

{"title":"Distribusi Pendapatan Perspektif M. Abdul Mannan dan Realisasinya di Indonesia","authors":"Aqif Khilmia, Lilik Rahmawati","doi":"10.19105/iqtishadia.v9i1.5665","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i1.5665","url":null,"abstract":"Distribusi pendapatan merupakan topik yang memiliki urgensi dalam mengembangkan perekonomian khususnya negara. Konsep distribusi pendapatan dalam perekonomian pada dasarnya bertujuan untuk mewujudkan kesejahteraan masyarakat, yaitu memenuhi kebutuhan masyarakat melalui distribusi kekayaan dan pendapatan yang adil dan merata. Kegagalan pendekatan tradisional terhadap pembangunan ekonomi ditandai dengan adanya kemiskinan masyarakat. Banyak penelitian yang menunjukkan bahwa Islam dapat menjawab masalah ekonomi manusia, memberikan sistem ekonomi yang teratur, dan harapan meyakinkan. Salah satu ekonom Muslim modern adalah M. Abdul Mannan yang menyatakan bahwa distribusi pendapatan terkait pada jumlah kepemilikan berbeda oleh masing-masing individu. Mannan mengkritik neoklasik dalam hal penyebarannya, dan pandangannya juga cocok dengan kerangka neoklasik. Tujuan penelitian ini adalah untuk menarik analisis distribusi pendapatan dalam perspektif M. Abdul Mannan. Metode penelitian yang digunakan adalah penelitian kepustakaan (library research) dengan pendekatan deskriptif. Yaitu mendeskripsikan distribusi pendapatan dalam perspektif M. Abdul Mannan. Sumber diambil dari berbagai referensi yang terkait dengan topik permasalahan, yaitu dari jurnal, buku, dan artikel lainnya. Hasil penelitian menyimpulkan bahwa Mannan mengkritik neoklasik dalam hal distribusi, tetapi dapat dikatakan bahwa pandangannya pada dasarnya berada pada kerangka neoklasik. Dia menegaskan bahwa teori distribusi individu, teori kepemilikan sumber daya, dan harga mempunyai peran penting, tetapi tidak memberikan kontribusinya sendiri di sini.","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"136 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78193917","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}

引用次数: 0

Faktor-Faktor yang Mempengaruhi Loyalitas Muzakki dan Kepercayaan Sebagai Mediasi di LazisMu Cabang Suruh Kabupaten Semarang 影响穆扎基忠诚和信任在你的中心区调配的因素

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-05-16 DOI: 10.19105/iqtishadia.v9i1.5560

Nur Huri Mustofa, Dwi Suci Rahayu

{"title":"Faktor-Faktor yang Mempengaruhi Loyalitas Muzakki dan Kepercayaan Sebagai Mediasi di LazisMu Cabang Suruh Kabupaten Semarang","authors":"Nur Huri Mustofa, Dwi Suci Rahayu","doi":"10.19105/iqtishadia.v9i1.5560","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i1.5560","url":null,"abstract":"Economic inequality in Indonesia is still relatively high as well as uneven welfare. Indonesia is a country where the majority of the population is Muslim. Besides that, Indonesia has several institutions that are devoted to empowering the community in reducing poverty, one of which is the LazisMu institution. There is still little awareness of the Muslim community to pay tithe in the LazisMu institution and there are still some people who do not understand the existence of the institution. By providing recommendations, information, and openness, the public can understand and be willing to donate to the institution. This study aims to determine the effect of word of mouth, transparency, and service quality of zakat management institutions on muzakki loyalty and muzakki trust as intervening variables. This type of research uses quantitative purposive sampling method, the sample used is 63 muzakki, data collected using a questionnaire processed with IBM SPSS 21. The results of this study indicate that Word of Mouth, Transparency, and Service Quality, have a significant positive effect on muzakki loyalty while the trust variable does not. significant positive effect on muzakki loyalty. And for the Intervening variable (Muzakki Trust) there is no mediating effect between Word of Mouth and Transparency on Muzakki Loyalty, but for service quality it has a mediating effect on Muzakki Loyalty.","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86568172","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}

引用次数: 0

Urgensi Spiritual Marketing dan Marketing Syariah dalam Dunia Bisnis

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-05-13 DOI: 10.19105/iqtishadia.v9i1.5483

Umar Hamdan, Bariza Nazla Azzulala, Nasifah

引用次数: 1

Model Ketahanan Keuangan Syariah 伊斯兰金融弹性模型

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-04-20 DOI: 10.19105/iqtishadia.v9i1.5706

Rachma Indrarini, Andriani Samsuri

引用次数: 0

Tingkat Kepatuhan Syariah Bank Pembiayaan Rakyat Syariah Berbasis Maqashid Syariah

Iqtishadia Jurnal Ekonomi Perbankan Syariah Pub Date : 2022-03-31 DOI: 10.19105/iqtishadia.v9i1.5631

Husni Shabri, Euis Amalia

{"title":"Tingkat Kepatuhan Syariah Bank Pembiayaan Rakyat Syariah Berbasis Maqashid Syariah","authors":"Husni Shabri, Euis Amalia","doi":"10.19105/iqtishadia.v9i1.5631","DOIUrl":"https://doi.org/10.19105/iqtishadia.v9i1.5631","url":null,"abstract":"Knowledge of shariah compliance in the sharia banking industry is still low. Shariah compliance is a special uniqueness that exists in sharia banking. The correct knowledge of shariah compliance has an important urgency in the operations of Islamic banks. The purpose of this study was to determine the level of sharia compliance of Islamic Rural Banks in Indonesia. The research method uses a quantitative descriptive approach. The data source of this research is secondary data. The data collection technique uses documentation in the form of annual reports of all Sharia Rural Banks (BPRS) which are the combined financial statements of BPRS in the Sharia Banking Statistics Report for September 2021 Otoritas Jasa Keuangan (OJK) with a total of 165 BPRS. The results show that the level of sharia compliance of Islamic Rural Banks (BPRS) as measured by the Maqashid Shariah Index (MSI) for a period of 10 years is still very low with an average index value of 0.32319 or 32.319%. Research findings reveal that the allocation of funds to aspects of education, research and training as well as the ratio of zakat to income is very relatively low, even information related to zakat payments until 2018 is non-existent or zero. The results of this study can be used as input for the management of Islamic Rural Banks (BPRS) special attention to the dimensions of which the index value is still very low","PeriodicalId":31663,"journal":{"name":"Iqtishadia Jurnal Ekonomi Perbankan Syariah","volume":"23 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-03-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87554123","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}

引用次数: 0