El Barka最新文献

{"title":"Macroeconomic Variables and Profitability in the Indonesian Islamic Banking Industry","authors":"M. N. R. Al Arif, Rahmi Rahmawati","doi":"10.21154/elbarka.v4i1.2778","DOIUrl":"https://doi.org/10.21154/elbarka.v4i1.2778","url":null,"abstract":"Profitability level is one of performance indicator in banking industry, including the Islamic banking industry. The purpose of this study is to analyse the short-run and long-run impact of macroeconomics variables to profitability in the Indonesian Islamic banking industry. The method that used in this paper is vector error correction models (VECM). The variables that used in this paper are industrial production index, inflation, exchange rate, the Bank Indonesia’s rate, and stock exchange composite index. The result shows that in the long-run, all of the macroeconomics variables affect significantly in profitability level. In the short-run, all macroeconomics variables do not  impact the profitability. This result implies that the macroeconomics variable had a time-lag to affect the profitability in the Indonesian Islamic banking industry. Salah satu indikator kinerja dalam industri perbankan termasuk industri perbankan syariah adalah tingkat profitabilitas. Tujuan dari penelitian ini ialah untuk menganalisis pengaruh variabel makroekonomi terhadap profitabilitas di industri perbankan syariah, baik dalam jangka pendek maupun jangka panjang. Metode yang dipergunakan dalam artikel ini ialah model vektor koreksi kesalahan. Variabel yang dipergunakan ialah indeks produksi industri, inflasi, nilai tukar, tingkat bunga Bank Indonesia, dan indeks harga saham gabungan. Hasil penelitian menunjukkan bahwa seluruh variabel makroekonomi berpengaruh dalam jangka panjang terhadap tingkat profitabilitas. Sedangkan, dalam jangka pendek seluruh variabel makroekonomi tidak berpengaruh terhadap tingkat profitabiltas. Hasil ini memberikan implikasi bahwavariabel makroekonomi memiliki jeda waktu untuk memengaruhi tingkat profitabilitas pada industri perbankan syariahdi Indonesia.","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"38 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-06-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80166174","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":"Justifying the Need for Smoothing Tools by Islamic Banks","authors":"M. Khan, Seedy Conteh, Shaiq Ahmad Ghafoorzai, Mohammed Meeran Jasir Mohtashem, Abdul Hai","doi":"10.21154/elbarka.v4i1.2446","DOIUrl":"https://doi.org/10.21154/elbarka.v4i1.2446","url":null,"abstract":"This paper focuses on the positive impacts of using smoothing tools such as Profit Equalisation Reserve or PER and Investment Risk Reserve or IRR to smoothen the rate of return or profit on investments to investment account holders (IAH) of Islamic financial institutions (IFIs). Since the goal of introducing PER and IRR into Islamic banks is to compete with the conventional banking industry, it is a shield used by Islamic banks to protect their risks such as displaced commercial risk (DCR), withdrawal risk (WR), and reputation risk. This is a qualitative review of the positive impacts of using smoothing tools in Islamic financial institutions. One of the major issues highlighted is Islamic banks' sensitivity to the conventional interest rate changes because many Islamic banking products are benchmarked against the conventional interest rate. Moreover, the limited techniques and instruments available to mitigate the rate of return risk also need the regulators' serious attention. Before the use of smoothing tools was restricted by BNM, Islamic banks were allowed to save up until 15% from profit gain. However, in certain circumstances, BNM has allowed IB’s to save up to 30% from profit gains. Hence, smoothing tools like PER and IRR enabled Islamic banks to be competitive and manage their unique risks. This research is focused on the positive aspects of using smoothing tools (STs) and does not cover the negative aspects from the Shari’ah, legal or corporate governance point of view. Since the abandonment of smoothing tools by IFI’s after the instructions of Bank Negara Malaysia (BNM) in 2014, there has not been much debate about the benefits of using STs. Therefore, this paper might provide a spark required to re-ignite the whole debate once again.  Penelitian ini berfokus pada dampak positif dari penggunaan alat pemulusan seperti Profit Equalization Reserve (PER) dan Investment Risk Reserve (IRR) untuk memperlancar tingkat pengembalian atau keuntungan investasi kepada investment account holders (IAH) dari Islamic financial institutions (IFIs). Karena tujuan memperkenalkan PER dan IRR ke bank syariah adalah untuk bersaing dengan industri perbankan konvensional, itu adalah perisai yang digunakan oleh bank syariah untuk melindungi risiko mereka seperti displaced commercial risk (DCR), withdrawal risk (WR), dan reputation risk. Penelitian Ini menggunakan tinjauan kualitatif tentang dampak positif penggunaan alat pemulusan di lembaga keuangan Islam. Salah satu isu utama yang disoroti adalah sensitivitas bank syariah terhadap perubahan suku bunga konvensional karena banyak produk perbankan syariah yang dibandingkan dengan suku bunga konvensional. Selain itu, keterbatasan teknik dan instrumen yang tersedia untuk memitigasi risiko tingkat pengembalian juga perlu mendapat perhatian serius dari regulator. Sebelum penggunaan alat pemulusan dibatasi oleh BNM, bank syariah diperbolehkan menabung hingga 15% dari perolehan keuntungan. Namun, dalam keadaan tertent","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"80 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-06-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84233440","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":"Dampak Implementasi Restrukturisasi Pembiayaan terhadap Likuiditas Bank Syariah pada Situasi Pandemi Covid-19","authors":"Abdul Kholiq, Rizqi Rahmawati","doi":"10.21154/ELBARKA.V3I2.2472","DOIUrl":"https://doi.org/10.21154/ELBARKA.V3I2.2472","url":null,"abstract":"The Covid-19 pandemic has had a significant impact in all aspects of human life, such as in the health, education, social, economic and banking sectors. To restore the economic and banking sectors, the government through The Financial Services Authority issued Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. One of the things described in POJK Number 11 /POJK.03/2020 is the implementation of credit or financing restructuring for debtors who were affected during the Covid-19 pandemic. The implementation of this credit / financing restructuring has raised concerns about bank liquidity. This study uses a qualitative descriptive analysis method by describing the phenomena that occur due to the impact of Covid-19 on the global and national economy, Indonesian government policies, and banking. The results showed that during the period March-September 2020 the average Financing to Deposit Ratio (FDR) in Islamic Commercial Banks showed a value of 79.31% where the highest ratio occurred in July with a ratio level of 81.03% and the lowest ratio occurred in September with a ratio of 77.06%. Under these conditions, in general the level of liquidity of Islamic commercial banks is categorized as healthy or liquid. The average FDR ratio in Sharia Business Units for the period March-September 2020 shows a value of 103.54% where the highest ratio occurred in May with an FDR ratio of 107.20% and the lowest ratio occurred in September with an FDR ratio of 95.87%. Under these conditions, in general the liquidity level of the Sharia Business Unit is categorized as less healthy or less liquid.Pandemi Covid-19 telah memberikan dampak yang signifikan dalam segala segi kehidupan manusia seperti dalam bidang kesehatan, pendidikan, sosial, ekonomi maupun sektor perbankan. Untuk memulihkan sektor ekonomi dan perbankan, pemerintah melalui Otoritas Jasa Keuangan mengeluarkan Peraturan Otoritas Jasa Keuangan Republik Indonesia Nomor 11 /POJK.03/2020 Tentang Stimulus Perekonomian Nasional Sebagai Kebijakan Countercyclical Dampak Penyebaran Coronavirus Disease 2019. Salah satu hal yang dijelaskan dalam POJK Nomor 11 /POJK.03/2020 adalah pemberlakuan restrukturisasi kredit atau pembiayaan bagi debitur yang terdampak selama pandemi Covid-19. Pemberlakuan restrukturisasi kredit/pembiayaan ini memunculkan kekhawatiran terhadap likuiditas bank. Penelitian ini bertujuan untuk menganalisa dampak implementasi restrukturisasi pembiayaan terhadap likuiditas bank syariah pada situasi pandemic covid-19. Penelitian ini menggunakan  metode analisis deskriptif kualitatif dengan cara mendeskripsikan fenomena-fenomena yang terjadi akibat dampak Covid-19 terhadap perekonomian global maupun nasional, kebijakan pemerintah Indonesia, serta perbankan. Hasil penelitian menunjukkan bahwa selama periode Maret-September 2020 rata-rata rasio Financing to Deposit Ra","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"38 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79645713","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":"DETERMINANTS OF SHARIA BANKING PROFITABILITY: Empirical Studies in Indonesia 2011-2020","authors":"F. Rizal, Azidni Rofiqo","doi":"10.21154/elbarka.v3i1.2051","DOIUrl":"https://doi.org/10.21154/elbarka.v3i1.2051","url":null,"abstract":"This study aims to examine the effect of sharia banking characteristics such as Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operations Revenue (BOPO) on Return on Assets (ROA). The data used in this study are secondary data obtained from Sharia Banking Statistics published by the Financial Services Authority (OJK) with Purposive Sampling Techniques in 14 Sharia Banks in Indonesia for the period 2011-2020. The analysis technique used is multiple linear regression. The analysis shows that the CAR, NPF, BOPO variables significantly influence ROA, but FDR has no effect on ROA. The predictive ability of 4 independent variables (CAR, FDR, NPF and BOPO) to the dependent variable (ROA) is 86.5%, while 13.5% is influenced by other variables not mentioned in this study.Penelitian ini bertujuan untuk menguji pengaruh karakteristik perbankan syariah seperti Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), Non Performing Financing (NPF), Operating Expenses to Operations Revenue (BOPO) terhadap Return on Asset (ROA). Data yang digunakan dalam penelitian ini adalah data sekunder yang diperoleh dari Statistik Perbankan Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan (OJK) dengan Teknik Purposive Sampling di 14 Bank Syariah di Indonesia periode 2011-2020. Teknik analisis yang digunakan adalah regresi linier berganda. Hasil analisis menunjukkan bahwa variabel CAR, NPF, BOPO secara berpengaruh signifikan  terhadap ROA, tetapi FDR tidak berpengaruh terhadap ROA. Kemampuan prediksi 4 variabel independen (CAR, FDR, NPF dan BOPO) terhadap variabel dependen (ROA) adalah 86,5%, sedangkan 13,5% dipengaruhi oleh variabel lain yang tidak disebutkan dalam penelitian ini.","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"38 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-06-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81030188","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":"Analisis Pengaruh Corporate Social Responsbility, Islamic Banking Service Quality dan Corporate Image terhadap Loyalitas Nasabah di Bank BRISyariah Kantor Cabang Pembantu Ponorogo","authors":"Ahmad Suminto, Shinta Maharani","doi":"10.21154/elbarka.v3i1.2013","DOIUrl":"https://doi.org/10.21154/elbarka.v3i1.2013","url":null,"abstract":"Abstract: This study aims to analyze the influence of Corporate Social Responsibility (CSR), Islamic Banking Service Quality (IB-SQ) and Corporate Image on Customer Loyalty. The population in this study is the customer of PT BRISyariah Ponorogo Sub-Branch Office with a sample size of 100 respondents. This type of research is explanatory research that explains the causal relationship between variables and their effect on the dependent variable using the associative-quantitative approach. The sampling technique is based on the non-probability sampling method. Data quality validity test for the questionnaire was carried out by Pearson's correlation method, while the questionnaire reliability test used Cronbach’s alpha method. Data analysis was performed using multiple linear regression and hypothesis testing using partial statistical tests (T-tests) and simultaneous statistical tests (F-tests). Based on the results of multiple linear regression analysis shows that partially the Corporate Social Responsibility (CSR) variable has no influence on customer loyalty at PT BRISyariah KCP Ponorogo with a Tcount value of -0.994. Partially Islamic Banking Service Quality (IB-SQ) variables have an influence on customer loyalty at PT BRISyariah KCP Ponorogo with a THitung value of 2.684. Partially, the Corporate Image variable has an influence on customer loyalty at PT BRISyariah KCP Ponorogo with a Tcount value of 5.321. Then the variable Corporate Social Responsibility (CSR), Islamic Banking Service Quality (IB-SQ) and Corporate Image have an influence on customer loyalty at PT BRISyariah KCP Ponorogo simultaneously with a Fcount value of 66,900.Abstrak: Penelitian ini bertujuan untuk menganalisis pengaruh Corporate Social Responsbility (CSR), Islamic Banking Service Quality (IB-SQ) dan Corporate Image terhadap Loyalitas Nasabah. Populasi dalam penelitian ini adalah nasabah PT BRISyariah Kantor Cabang Pembantu Ponorogo dengan jumlah sampel 100 responden. Jenis penelitian ini adalah explanatory research yang menjelaskan hubungan sebab-akibat antar variabel dan pengaruhnya terhadap variabel dependent dengan menggunakan pendekatan assosiatif-kuantitatif. Teknik pengambilan sampel berdasarkan metode non-probability sampling. Uji kualitas data validitas kuesioner dilakukan dengan metode korelasi pearson’s correlation, sedangkan uji reliabilitas kuesioner menggunakan metode cronbach’s alpha. Analisis data dilakukan dengan metode regresi linier berganda dan uji hipotesis dengan menggunakan uji statistik parsial (T-test) dan uji statistik simultan (F-test). Berdasarkan hasil analisis regresi linier berganda menunjukkan bahwa secara parsial variabel Corporate Social Responsbility (CSR) tidak mempunyai pengaruh terhadap loyalitas nasabah pada PT BRISyariah KCP Ponorogo dengan nilai THitung sebesar -0,994. Secara parsial variabel Islamic Banking Service Quality (IB-SQ) mempunyai pengaruh terhadap loyalitas nasabah pada PT BRISyariah KCP Ponorogo dengan nilai THitung seb","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"76 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"86078110","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":"Alternatif Strategi Penanganan Dampak Ekonomi Covid-19 Pemerintah Daerah Jawa Timur Pada Kawasan Agropolitan","authors":"H. Ulya","doi":"10.21154/elbarka.v3i1.2018","DOIUrl":"https://doi.org/10.21154/elbarka.v3i1.2018","url":null,"abstract":"Abstract: The COVID-19 pandemic had a significant impact on the order of life of the world community, including in Indonesia. Besides health impacts, the pandemic also has economic impacts, so that it encourages the government to make various policies to overcome these impacts, including by forming task forces both at the central and regional levels. Policy by optimizing state and regional budgets for the needs of preventing the spread and handling of COVID-19 health impacts and optimizing the potential of the local economy for meeting the needs of the community in a sustainable manner. East Java is a superior area in agriculture which includes animal husbandry, fisheries, plantations, and forestry. One of the programs implemented is the development of agropolitan areas which are agricultural-based economic development in agribusiness areas, designed and implemented by synergizing the various potentials that exist to encourage the development of competitive, populist-based, sustainable and decentralized agribusiness business systems. and facilitated by the government. This study uses a literature study approach with the aim of exploring alternative East Java government policies in order to address the economic impact of COVID-19 by maximizing the agropolitan area. The results of the research resulted in the formulation by maximizing the development of the agropolitan area by strengthening regulations and expanding the agropolitan area to other regions / cities, and utilizing online media in the implementation including the marketing system of products from this agropolitan area even though it was in a pandemic.Abstrak: Pandemi COVID-19 memberikan dampak yang signifikan terhadap tatanan kehidupan masyarakat dunia termasuk di Indonesia. Selaian dampak kesehatan, pandemi juga memberikan dampak ekonomi, sehingga medorong pemerintah untuk membuat berbagai kebijakan untuk menanggulangi dampak tersebut, diantaranya adalah dengan membentuk satuan tugas baik di pusat maupun daerah.  Kebijakan dengan mengoptimalkan anggaran negara dan daerah untuk kebutuhan pencegahan penyebaran dan penanganan dampak kesehatan COVID-19 dan optimalisasi potensi ekonomi lokal untuk pemenuhan kebutuhan masyarakat secara berkelanjutan.  Jawa timur merupakan daerah yang unggul di bidang pertanian yang meliputi peternakan, perikanan, perkebunan, dan kehutanan. Salah satu program yang dijalankan adalah pengembangan kawasan agropolitan yang merupakan pembangunan ekonomi berbasis pertanian di kawasan agribisnis, dirancang dan dilaksanakan dengan cara mensinergikan berbagai potensi yang ada untuk mendorong berkembangnya sistem usaha agribisnis yang berdaya saing, berbasis kerakyatan, berkelanjutan dan terdesentralisasi, serta digerakan oleh masyarakat dan difasilitasi pemerintah. Penelitian ini menggunakan pendekatan studi literatur dengan tujuan untuk menggali alternatif kebijakan pemerintah Jawa Timur dalam rangka menangani dampak ekonomi COVID-19 dengan memaksimalkan kawasan agro","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"24 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75727617","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":"Implementasi PSAK 109 Untuk Pengelolaan Zakat, Infaq/Sedekah Pada LAZIS Muhammadiyah Kota Medan","authors":"Surayya Fadhilah Nasution, M. Ak, A. Kholil","doi":"10.21154/elbarka.v3i1.1759","DOIUrl":"https://doi.org/10.21154/elbarka.v3i1.1759","url":null,"abstract":"Abstrak:Penelitian ini menggambarkan penerapan Pernyataan Standar Akuntansi Keuangan Nomor 109 (PSAK 109) dalam pengelolaan zakat, infaq / sedekah di LAZIS Muhammadiyah Kota Medan. Melalui penelitian ini, persentase penerapan PSAK 109 dan faktor-faktor yang menyebabkan PSAK 109 tidak diterapkan diketahui. Data yang digunakan adalah data primer dan data sekunder. Teknik pengumpulan data yang digunakan adalah teknik dokumentasi dan wawancara. Analisis data yang digunakan adalah analisis kualitatif deskriptif. Hasil penelitian ini menunjukkan bahwa pelaporan dana zakat, infaq / sedekah yang dilakukan oleh LAZIS Muhammadiyah Kota Medan hanya berupa daftar tanda terima / pengumpulan dan pengeluaran / distribusi yang dicatat berdasarkan tanda terima yang dimiliki. Pelaporan dana zakat, infaq / sedekah LAZIS Muhammadiyah Kota Medan tidak mengikuti PSAK 109.A bstrak:Penelitian ini menjelaskan tentang penerapan Pernyataan Standar Akuntansi Keuangan Nomor 109 (PSAK 109) dalam pengelolaan zakat, infaq / sedekah pada LAZIS Muhammadiyah Kota Medan. Melalui penelitian ini, dapat dianggap menerapkan PSAK 109 dan faktor-faktor yang menyebabkan tidak diterapkannya PSAK 109. Data yang digunakan adalah data primer dan data sekunder. Teknik pengumpulan data yang digunakan adalah teknik dokumentasi dan wawancara. Analisis data yang digunakan adalah analisis deskriptif kualitatif. Dana penelitian zakat, infaq / sedekah yang dilakukan oleh LAZIS Muhammadiyah Kota Medan hanya terdiri dari daftar pencatatan penerimaan / penghimpunan dan penerbitan / penyaluran yang dilaporkan berdasarkan kuitansi-kuitansi yang dihasilkan. Pelaporan dana zakat,hadiah dari pihak LAZIS Muhammadiyah Pusat.","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"125 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89171574","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":"Rekayasa dan Penguatan Lembaga Menghadapi Persaingan Global Berbasis Wirausaha dan Etika Islam","authors":"D. G. Madjakusumah, Udin Saripudin, S. Suryani","doi":"10.21154/elbarka.v3i1.2014","DOIUrl":"https://doi.org/10.21154/elbarka.v3i1.2014","url":null,"abstract":"Abstract: The economic trends of countries in the world tend to lead to globalization and several countries that have a common interest in forming a global place in a narrower or regional scope such as AFTA, APEC, NAFTA, and so on are the efforts of countries that are members of these organizations. to be able to compete in the global economy. This paper aims to elaborate the concept of engineering and strengthening of entrepreneurial institutions and Islamic ethics in order to face the era of the global market. This study uses the literature study method, namely by studying various sources and literature related to institutional strengthening, entrepreneurship, and Islamic ethics. The results of the study concluded that organizational development as an engineering and strengthening of institutions to improve global competitiveness based on entrepreneurship and Islamic ethics can be an alternative solution for government, private and community institutions in facing competition between institutions that demand that each institution can have a competitive advantage and make values entrepreneurship and Islamic ethics as a basis in Engineering and Strengthening Institutions to enhance global competitiveness.Abstrak: Tren perekonomian negara-negara di dunia cenderung  mengarah kepada globalisasi dan beberapa negara yang memiliki kesamaan kepentingan membentuk satu tempat global pada ruang lingkup yang lebih sempit atau regional seperti AFTA, APEC, NAFTA, dan sebagainya merupakan upaya dari negara-negara yang tergabung dalam organisasi tersebut untuk tetap dapat bersaing dalam kancah perekonomian global. Tulisan ini bertujuan untuk mengelaborasi konsep rekayasa dan penguatan lembaga berbasis kewirausahaan dan etika Islam dalam rangka menghadapi era pasar global. Kajian ini menggunakan metode kajian pustaka, yakni dengan mempelajari berbagai sumber dan literature yang terkait dengan penguatan lembaga, kewirausahaan, dan etika Islam. Hasil kajian menyimpulkan bahwa pengembangan organisasi sebagai rekayasa dan penguatan lembaga untuk meningkatkan daya saing global berbasis wirausaha dan etika Islam dapat menjadi alternatif solusi bagi lembaga-lembaga pemerintahan, swasta dan masyarakat dalam menghadapi persaingan antar lembaga yang menuntut setiap lembaga dapat memiliki keunggulan kompetitif dan menjadikan nilai-nilai wirausaha serta etika Islam sebagai basis dalam rekayasa dan penguatan lembaga untuk meningkatkan daya saing global. ","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"46 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75906484","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":"KOMPETENSI AMIL ZAKAT: Studi Mahasiswa Manajemen Zakat dan Wakaf IAIN Tulungagung Menjelang Praktek Pengalaman Lapangan","authors":"Ahmad Supriyadi","doi":"10.21154/elbarka.v3i1.2019","DOIUrl":"https://doi.org/10.21154/elbarka.v3i1.2019","url":null,"abstract":"Abstract: Zakat occupies a significant role in Islamic economics. The role of zakat in the history of Islamic civilization is very real and obvious in eradicating poverty and becoming the foundation of the country's economy. In Indonesia the role of zakat cannot be felt widely. This can be seen from the potential that is still being explored, which is 4% of the existing potential of 217 trillion. One of the main problems that occur in Indonesia is the low competence of amil possessed by zakat management institutions in Indonesia. Amil's low competence makes creativity and innovation in zakat institutions very minimal, as a result the collected zakat funds are not optimally utilized to unravel the threads of poverty in Indonesia. The presence of the Department of Zakat Management and Waqf in Islamic Higher Education in Indonesia is an effort to prepare amil’s who are competent in managing zakat. One of the universities that is currently opening the department is IAIN Tulungagung. This study aims to determine the extent of competence of students majoring in Management of zakat and waqf before they conduct Field Experience Practices (PPL).Abstrak: Zakat menduduki peran yang signifikan dalam ekonomi Islam. Peran zakat dalam sejarah peradaban Islam sangat nyata dan kentara dalam memberantas kemiskinan dan menjadi pondasi ekonomi negara. Di Indonesia peran zakat belum bisa dirasakan manfaatnya secara luas. Hal ini bisa dilihat dari masih jauhnya potensi yang tergali yaitu 4% dari potensi yang ada sebesar 217 triliun. Salah satu problem utama yang terjadi di Indonesia adalah rendahnya kompetensi amil pada lembaga-lembaga pengelola zakat di Indonesia. Rendahnya kompetensi amil membuat kreativitas dan inovasi di lembaga-lembaga zakat sangat minim, akibatnya dana zakat yang terkumpul tidak didayagunakan secara optimal untuk mengurai benang kemiskinan di Indonesia. Hadirnya jurusan Manajemen Zakat dan Wakaf di Perguruan Tinggi Islam di Indonesia adalah upaya untuk mempersiapkan amil-amil yang kompeten dalam mengelola zakat. Salah satu Perguruan Tinggi yang saat ini membuka jurusan tersebut adalah IAIN Tulungagung. Penelitian ini bertujuan untuk mengetahui sejauh mana kompetensi mahasiswa jurusan Manajemen zakat dan wakaf sebelum mereka melakukan Praktek Pengalaman Lapangan (PPL). ","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"94 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81481191","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":"Dampak Makroekonomi terhadap Profitabilitas Perbankan Syariah di Indonesia","authors":"Fitra Rizal, Muchtim Humaidi","doi":"10.21154/elbarka.v2i2.1800","DOIUrl":"https://doi.org/10.21154/elbarka.v2i2.1800","url":null,"abstract":"Abstract: Islamic banking in Indonesia has developed, but the target of market share of 5% can not be achieved. These conditions caused the profitability of Islamic banking being very interesting to study. This study was conducted to examine the effect of Macroeconomic indicators as measured by Inflation, Exchange Rate and Gross Domestic Product to the Return on Asset of Islamic Banking in Indonesia. Population of this study is all of sharia commercial bank and sharia operational unit during nine years of the study since 2005 till 2013. The data in this study are secondary data that contains of Inflation, Exchange Rate, Gross Domestic Product and Return on Asset obtained from sharia banking statitics and monetery data that had been published by Bank Indonesia. This study use double linier regretion method with clasic assumption test. This study proved that Inflation, Exchange Rate and Gross Domestic Product simultaneously have significant effect to Return on Asset of Islamic banking in Indonesia. Partially, only the Gross Domestic Product variable has the positive and significant effect to Return on Asset of Islamic banking in Indonesia, while Inflation and Exchange Rate variable have no significant effect. الملخص: تشهد خدمات البنوك الإسلامية في إندونيسيا نمواً وتحسناً، لكن لم يكن تحقيق الحصة السوقية المستهدفة بالغة إلى 5٪. أدت هذه الظروف إلى أن تكون البنوك الإسلامية مثيرة الاهتمام للدراسة والبحوث. جرت هذه الدراسة لتحديد مدى تأثير مؤشرات الاقتصاد الكلي المقاسة بواسطة التضخم وسعر الصرف والناتج المحلي الإجمالي على العائد على الأصول البنوك الإسلامية في إندونيسيا. أما سكان البحث في هذه الدراسة كانت جميع البنوك التجارية الإسلامية ووحدات الأعمال الإسلامية خلال تسع السنوات من البحث منذ 2005 إلى 2013. البيانات المستخدمة في هذه الدراسة هي البيانات الثانوية، وهي التضخم وأسعار الصرف والناتج المحلي الإجمالي والعائد على الأصول التي حصل عليها من إحصاءات البنوك الإسلامية والبيانات النقدية لبنك إندونيسيا التي تم نشرها. تقنية التحليل المستخدمة هي الانحدار الخطي المتعدد. تثبت هذه الدراسة أن التضخم  وسعر الصرف والناتج المحلي الإجمالي يكون له تأثير كبير على العائد على الأصول للبنوك الإسلامية في إندونيسيا. بينما جزئيًا، فإن الناتج المحلي الإجمالي فقط له تأثير إيجابي وهام على العائد على الأصول البنوك الإسلامية في إندونيسيا ، في حين أن التضخم والبورصة ليس لها تأثير كبير. Abstrak: Perbankan syariah di Indonesia mengalami perkembangan, tetapi target pangsa pasar sebesar 5% belum dapat tercapai. Kondisi tersebut mengakibatkan profitabilitas perbankan syariah menjadi sangat menarik untuk diteliti. Penelitian ini dilakukan untuk mengetahui pengaruh indikator Makroekonomi yang diukur dengan Inflasi, Kurs dan Produk Domestik Bruto terhadap Return on Asset perbankan syariah di Indonesia. Populasi dalam penelitian ini adalah seluruh bank umum syariah dan unit usaha syariah selama sembilan tahun penelitian 2005 sampai 2013. Data yang digunakan dalam penelitian ini adalah data sekunder yaitu data Inflasi, Kurs, Produk Domestik Bruto dan  Return on Asset yang diperoleh dari Statis","PeriodicalId":34741,"journal":{"name":"El Barka","volume":"2 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-10-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"82347384","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}