AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah最新文献

{"title":"THE ROLE OF EXCHANGE TRADED FUND TO DRIVE THE GROWTH OF THE MUTUAL FUND INDUSTRY IN THE CAPITAL MARKET ACCORDING TO A REVIEW OF ISLAMIC LAW","authors":"Syaeful Bakhri, M. Rana, Anez Yuniar Pradini","doi":"10.52490/at-tijarah.v3i1.1264","DOIUrl":"https://doi.org/10.52490/at-tijarah.v3i1.1264","url":null,"abstract":"As a product that has just been listed on the stock exchange, this Exchange Traded Fund (ETF) has attracted the attention of various lines of capital market investors. ETF is known as one of the mutual fund product innovations as a follow-up to POJK No. 49/POJK.04/2015. This study is a descriptive study of this product with all the features and advantages and uniqueness it has as a form of diversification of existing mutual fund products. This study also seeks to explore the strengths and weaknesses of ETFs both internally and externally. Interestingly, this descriptive study presents data on investor enthusiasm for ETF products. One of the main attractions of this product is that apart from being traded on the stock exchange, the price is also very cheap. Not only explaining in terms of products and their uniqueness, but this study also discusses the review of Islamic law on ETF transactions on the stock exchange. When compared with the practice of buying and selling, there are many similarities. And there are several other interesting factors to observe regarding the considerations of investors in choosing mutual fund instruments, especially ETFs as an alternative to new investments in the capital market.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"140 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114293143","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 DISTRIBUSI ZAKAT PADA BAZNAS DALAM PENCEGAHAN COVID-19 DITINJAU DARI MAQASHID SYARIAH","authors":"Jureid Jureid","doi":"10.52490/at-tijarah.v3i1.1168","DOIUrl":"https://doi.org/10.52490/at-tijarah.v3i1.1168","url":null,"abstract":"The outbreak of Covid-19 in Mandailing Natal has caused several problems in the economic, educational and social fields. The problems that occur certainly really need the role of Baznas in overcoming them. The purpose of this research is to find out how the distribution of zakat in the process of preventing Covid-19 in Mandailing Natal and to know the perspective of maqashid sharia on this distribution. The method used in this research is descriptive qualitative method in the review of maqashid sharia. The results of the research show that the zakat distribution mechanism is carried out by means of Baznas actively engaging the community to call for zakat, it is even recommended to the public to take part in paying without having to be visited by Baznas or other policies including the muzakki's own workplace. Zakat distributed is not only in the form of money or food but is adjusted to the needs of the people affected by Covid-19 and is distributed periodically and Baznas is actively monitoring and evaluating the program. Zakat as an Islamic fiscal instrument has helped ease the burden on people affected by Covid. Consumptive zakat or productive zakat can be a mental solution and make the mustahik prosperous. Zakat together with its derivatives has brought enormous benefits to affected communities or other mustahiks. Zakat can guarantee the continuity of life in various aspects including maintaining life, property, religion, reason and of course zakat is the main object of maqashid sharia towards a prosperous society","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129664393","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":"ETIKA BISNIS ISLAM DALAM PERSPEKTIF PEMIKIRAN AL-GHAZALI","authors":"Ali Muhayatsyah","doi":"10.52490/AT-TIJARAH.V2I2.961","DOIUrl":"https://doi.org/10.52490/AT-TIJARAH.V2I2.961","url":null,"abstract":"Al-Ghazali's views on economy and business are not limited to philosophical plains, but are a combination of real conditions that occur in society with philosophical values, accompanied by logical arguments. Al-Ghazali in his thoughts about business economics is based on the Sufism approach which he wrote in his book Ihya 'Ulum al-Din. As a matter of fact, there are still many practices of tadlis (unknown to one party), namely violating the principle of “an taraddin minkum”. The practice of tadlis occurs because of four things, namely quantity reduction of the scale; quality, namely the concealment of object defects; price engineering takes advantage of market price ignorance; uncertainty of delivery time, namely the seller does not know for sure the goods will be delivered to the buyer. In addition, we often encounter market engineering practices. \u0000Al-Ghazali paid considerable attention to economic and business activities in society, including the utility hierarchy and its characteristics in the corridor of social obligations to social welfare (maslahah). In addition, al-Ghazali views the ultimate goal is salvation. Work is part of worship is evidence of the work ethic created through extrarelgious efforts. That the intention of someone's behavior in accordance with Divine rules in every economic activity can be of worship value. Al-Ghazali has a view of market ethics that emphasizes truth and honesty, which can be applied to market evolution and the role of money based on the ethics and morals of the perpetrators. \u0000Al-Ghazali argued that the state must create security conditions to enhance prosperity and economic development. The existence of state institutions, to monitor adverse market practices. Al-Ghazali stated that trade activities are essential to the functionalization of the economy, the need for secure and safe trade routes, and the state should provide protection so that markets can expand and the economy can grow. \u0000  \u0000Keywords: Islamic Business Ethics, Maslahah, Work Ethics. \u0000  \u0000  \u0000Abstrak \u0000Pandangan al-Ghazali mengenai ekonomi dan bisnis tidak terbatas pada dataran filosofis, melainkan perpaduan antara kondisi riil yang terjadi dalam masyarakat dengan nilai-nilai filosofis, disertai argumen yang logis. Al-Ghazali dalam pemikirannya seputar ekonomi bisnis didasarkan pada pendekatan tasawuf yang beliau tuangkan dalam karyanya kitab Ihya ’Ulum al-Din. Sebagaimana fakta yang terjadi praktek bisnis masih banyak terjadi praktek tadlis (unknown to one party) yaitu melanggar prinsip “an taraddin minkum”. Praktek tadlis terjadi karena empat hal, kuantitas yaitu pengurangan timbangan; kualitas yaitu penyembunyian kecacatan obyek; rekayasa harga memanfaatkan ketidaktahuan harga pasar; ketidakpastian waktu penyerahan yaitu penjual tidak mengetahui secara pasti barang akan diserahkan kepada pembeli. Selain itu juga sering kita jumpai praktek rekayasa pasar. \u0000Al-Ghazali memberikan perhatian yang cukup besar terhadap aktivitas ekonomi dan bisnis d","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134484602","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 KINERJA KEUANGAN BANK SYARIAH MENGGUNAKAN SHARIA CONFORMITY AND PROFITABILITY (SCnP)","authors":"U. Ubaidillah, Tri Puji Astuti","doi":"10.52490/AT-TIJARAH.V2I2.963","DOIUrl":"https://doi.org/10.52490/AT-TIJARAH.V2I2.963","url":null,"abstract":"This study aims to measure the performance of Islamic banks using the SCnP Model. The population of this study is all Islamic commercial banks registered with the OJK from 2017-2019. The sampling technique used purposive sampling, while the data analysis technique was descriptive. The SCnP model has two variables, namely Shariah Conformity with Islamic Income Ratio indicators, Islamic Investment Ratio and Profit Sharing Ratio and Profitability with Return On Assets (ROA), Return On Equity (ROE) and Profit Margin Ratio indicators. The analysis on the SCnP results is that Islamic banks are spread out in four quadrants (ULQ, LLQ, URQ and LRQ) and recommends a sample of research banks, namely subsidiaries of state-owned banks namely Bank Syariah Mandiri, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah. The results of the study show that for three years, 2017-2019, the results show that Islamic banks are spread out in only two quadrants, namely the Lower Left Quadrant (LLQ) and the Upper Left Quadrant (ULQ). \u0000  \u0000Keywords: Financial Performance, Islamic Commercial Banks, Shariah Conformity and Profitability (SCnP) Model \u0000  \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk mengukur kinerja bank syariah dengan menggunakan SCnP Model. Populasi penelitian ini adalah semua bank umum syariah yang terdaftar di OJK dari tahun 2017-2019. Teknik pengambilan sampel menggunakan purposive sampling, sementara teknik analisis data berupa deskriptif. Model SCnP memiliki dua variabel, yaitu Shariah Conformity dengan indikator Islamic Income Ratio, Islamic Investment Ratio dan Profit Sharing Ratio dan Profitability dengan indikator Return On Assets (ROA), Return On Equity (ROE) dan Profit Margin Ratio. Analisis pada hasil SCnP yaitu, bank syariah tersebar dalam empat kuadran (ULQ, LLQ, URQ dan LRQ) dan merekomendasikan sampel bank penelitian yaitu anak perusahaan dari bank BUMN yakni Bank Syariah Mandiri, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah. Hasil dari penelitian menunjukkan selama tiga tahun yaitu 2017-2019 menunjukkan hasil bahwa bank syariah tersebar dalam dua kuadran saja, yaitu Lower Left Quadrant (LLQ) dan Upper Left Quadrant (ULQ). \u0000Kata kunci: Kinerja Keuangan, Bank Umum Syariah, Shariah Conformity and Profitability (SCnP) Model","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124513326","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 MAQASHID SYARIAH DALAM PENGEMBANGAN PRODUK LEMBAGA KEUANGAN ISLAM","authors":"Husni Kamal, Arinal Rahmati","doi":"10.52490/AT-TIJARAH.V2I2.962","DOIUrl":"https://doi.org/10.52490/AT-TIJARAH.V2I2.962","url":null,"abstract":"Islamic law has been stipulated by Allah is for human advantage, both in worldly life and in the hereafter. In order to prove that Islamic economics remains relevant whenever and  wherever the objectives of maqashid shariah is needed to be implemented for creating  innovative products. By doing so, shariah financial institutions are able to compete with the conventional,  and at the same time they stay true to Islamic teaching principles. This article aims firstly to examine the concept of maqashid shariah on new product development of Islamic financial institution, and secondly to explore the suitability of shariah banking product with the principles of maqashid shariah. In nature, the purpose of the implementation of Shariah transactional system is for seeking human benefit both in this life and hereafter. Hence, the concept of maqashid shariah should be able to be integrated into Shari’ah banking so that its products can be hopefully broader. In short, through maqashid shariah, it creates   innovative products of shariah financial institutions. \u0000  \u0000Keyword: Maqashid Shariah, Islamic Financial, Islamic Banking. \u0000  \u0000  \u0000Abstrak \u0000Setiap hukum yang ditetapkan Allah kepada ummatnya terdapat kemashlahatan baik didunia maupun di akhirat, untuk menjawab bahwa ekonomi Islam sesuai dengan kondisi zaman maka maqashid syariah sangat diperlukan untuk menciptakan produk yang inovatif sehingga lembaga keuangan syariah bisa bersaing dengan produk lembaga keuangan konvensional dan tidak bertentangan dengan prisnsip-prinsip Islam. Artikel ini bertujuan untuk mengkaji konsep maqashid syariah dalam pengembangan  produk lembaga keuangan islam, secara khusus, artikel ini juga melihat kesesuaian produk yang ditawarkan oleh perbankan syariah agar sesuai dengan konsep yang telah dituangkan dalam maqashid syariah, karena pada hakikatnya melakukan transaksi dengan sistem syariah bukan saja mencari keuntungan di dunia saja, namun juga untuk mencapai maslahah dunia akhirat, oleh karena itu, konsep maqashid syariah harus mampu di integrasikan kedalam perbankan syariah agar produk yang dihasilkan tidak kaku dan sempit sehingga terhambat terhadap perkembangan lembaga keuangan syariah. harapannya, dengan memahami konsep maqashid syariah maka diharapkan bisa menciptakan produk-produk inovatif di lembaga keuangan syariah. \u0000  \u0000Kata kunci: Maqashid Syariah, Keuangan Islam, Bank Syariah","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"47 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123855734","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":"SISTEM PENJAMINAN SIMPANAN (DEPOSIT INSURANCE SYSTEM) PADA INDUSTRI PERBANKAN INDONESIA","authors":"Sjafruddin Sjafruddin","doi":"10.52490/at-tijarah.v1i2.717","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.717","url":null,"abstract":"Banking plays a very important role in the economy along with its function to channel funds from parties who have excess funds (surplus of funds) to those who need funds (lack of funds). If the banking industry does not work well, the economy will become inefficient and the expected economic growth will not be achieved. The risks that are always inherent in the financial and banking sectors, can trigger a crisis at any time and result in a collapse of the country's economy. To overcome the impact of the crisis, the government must pay quite large public costs. This article analyzes several important concepts, namely bank risk and the contagion effect, the operation of a deposit guarantee system that has been implemented in various countries after a financial crisis and how the deposit guarantee program is implemented in Indonesia. The results show that the Deposit Insurance System (DIS) can be implemented through law enforcement system, market discipline, political and economic freedom, low levels of corruption, strict regulations inbanking sector, setting an adequate deposit insurance premium based on the level of bank risk , and selective deposit guarantees. \u0000Keywords: Deposit Insurance System,Indonesia Deposit Insurance Corporation, Risk \u0000  \u0000Abstrak \u0000Perbankan memegang peran yang sangat penting dalan perekonoman seiring dengan fungsinya untuk menyalurkan dana dari pihak yang mempunyai kelebihan dana (surplus of funds) kepada pihak-pihak yang membutuhkan dana (lack of funds). Apabila industri perbankan tidak bekerja dengan baik, maka perekonomian menjadi tidak efisien dan pertumbuhan ekonomi yang diharapkan tidak akan tercapai. Risiko yang selalu melekat dalam sektor keuangan dan perbankan, dapat memicu terjadinya krisis sewaktu-waktu dan berakibat lumpuhnya ekonomi negara. Untuk menanggulangi dampak krisis tersebut, pemerintah harus mengeluarkan biaya publik cukup besar. Artikel ini menganalisis beberapa konsep penting, yaitu risiko bank dan  efek penularan (Contagion Effect),penyelenggaraan sistem penjaminan simpanan yang telah di implementasikan berbagai negara setelah terjadi krisis keuangan dan bagaimana implementasi program penjaminan simpanan di Indonesia.Hasilnya menunjukkan bahwaDeposit Insurance System (DIS) dapat diimplementasikan melalui sistem penegakan hukum yang kuat, disiplin pasar, kebebasan politik dan ekonomi, tingkat korupsi yang rendah, regulasi khususnya di bidang perbankan yang kuat, penetapan premi penjaminan simpanan yang memadai dan berdasarkan tingkat risiko bank, serta pemberian jaminan simpanan yang selektif. \u0000Kata Kunci:Deposit Insurance System, Lembaga Penjamin Simpanan, Risiko","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"69 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115266167","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":"EFEKTIFITAS PENDIDIKAN DAN PELATIHAN TERHADAP SELLING SKILL, KNOWLEDGE DAN BUDAYA KERJA KARYAWAN BANK ACEH CABANG IDI KABUPATEN ACEH TIMUR PASCA KONVERSI","authors":"Zulfadly Zulfadly, Andi Tarlis","doi":"10.52490/at-tijarah.v1i2.714","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.714","url":null,"abstract":"The formulation of the problem in this research is the effectiveness of education and training effect on Selling Skill of employees of Bank Aceh After Conversion amounting to 1220 that is on score \"Very High\". \u0000Does the effectiveness of education and training affect Selling Skill, Knowledge and work culture of Bank Aceh after Conversion employees? Selling Skill enters the \"Very High\" score ranking of 1,212, Knowledge enters the \"Very High\" score ranking of 1.220 and the Working Culture enters the score ranking \"Very Height \"of 1.213. This means that the three variables are very effective effect on employees of Bank Aceh Caban Idi East Aceh. \u0000Does the effectiveness of education and training affect the employee's work culture that has a very high impact of 1.213, this indicates that in addition to the knowledge that must be owned by employees must also have a good work culture in order to improve the performance of employees of Bank Aceh Branch Idi Aceh Timur. . \u0000Although Knowledge becomes the main point of the appraisal result, it remains that other variables should not be ruled out as they are interdependent in order to effectively improve the employee performance of Bank Aceh Branch Idi post-conversion. When viewed from the comparison between Education and Training on Selling Skill, Knowledge and Working Culture, it is known that Training is more effective than education that has a score of 1.222.This indicates that the Aceh Bank should more often provide training to employees in order to improve employee effectiveness Bank Aceh After Conversion. \u0000Keyword : Education, Training, Selling Skill, Knowledge, Work Culture \u0000  \u0000Abstrak \u0000Rumusan masalah dalam penelitian ini adalah Efektiftifitas pendidikan dan pelatihan berpengaruh pada Selling Skill karyawan Bank Aceh Pasca Konversi sebesar 1.220 yakni berada pada skor “Sangat Tinggi”. \u0000Apakah efektivitas pendidikan dan pelatihan berpengaruh pada Selling Skill, Knowledge dan budaya kerja karyawan Bank Aceh Pasca Konversi yakni Selling Skill masuk ranking skor “Sangat Tinggi” sebesar 1.212, Knowledge masuk ranking skor “Sangat Tinggi” sebesar 1.220 dan Budaya Kerja masuk ranking skor “Sangat Tinggi” sebesar 1.213. Artinya bahwa ketiga variabel tersebut sangat berpengaruh efektif terhadap karyawan Bank Aceh Cabang Idi Aceh Timur. \u0000Apakah efektifitas pendidikan dan pelatihan berpengaruh pada budaya kerja karyawan yakni terdapat pengaruh yang Sangat Tinggi sebesar 1.213, hal ini menunjukkan bahwa selain knowledge yang harus dimiliki oleh karyawan juga harus memiliki budaya kerja yang baik dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi Aceh Timur. . \u0000Walaupun Knowledge (Pengetahuan) menjadi poin utama dari hasil penilaian, akan tetap variabel-variabel yang lain tetap tidak boleh dikesampingkan karena semuanya saling keterkaitan dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi secara efektif pasca konversi.Jika dilihat dari perbandingan antara Pendidikan dan Pelatihan terhadap ","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"142 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114599211","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 MEKANISME KLIRING PADA KANTOR PERWAKILAN (KPW) BANK INDONESIA (BI) LHOKSEUMAWE","authors":"J. Putri, Ratna Sari Dewi","doi":"10.52490/at-tijarah.v1i2.713","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.713","url":null,"abstract":"This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. \u0000Keyword: Clearing Mechanism, Bank Indonesia. \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. \u0000Kata kunci: Mekanisme Kliring, Bank Indonesia.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127990947","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":"KEPUTUSAN BISNIS DAN TANGGUNGJAWAB DIREKSI DALAM PRINSIP FIDUCIARY DUTIES PADA PERSEROAN TERBATAS","authors":"Ali Muhayatsyah","doi":"10.52490/at-tijarah.v1i2.715","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.715","url":null,"abstract":"The main party charged with fiduciary duty is the board of directors. In UUPT No. 40/2007 it does not specifically regulate fiduciary duty but rather regulates general principles. From the general principle of fiduciary duty, directors in managing the company must pay attention to the interests of the company above other interests; directors must act in accordance with the aims and objectives of the company (intra vires), and pay attention to the limitations and restrictions determined by the law and the articles of association of the company. In carrying out their duties as directors, they are required to have in good faith and in full sense of responsibility; Directors must carry out their duties diligently, carefully, and smartly and skillfully. Keywords: Directors, Fiduciary Duty, Business Judgment Rule, Limited Liability Company,   Abstrak Pihak utama yang dibebankan kewajiban fiduciary duty adalah direksi. Dalam UUPT Nomor 40 Tahun 2007 tidak mengatur secara khusus mengenai fiduciary duty tetapi mengatur prinsip-prinsip umumnya. Dari prinsip umum fiduciary duty makadireksi dalam mengurus perseroan harus memperhatikan kepentingan perseroan di atas kepentingan lainnya;direksi harus bertindak sesuai dengan maksud dan tujuan perseroan (intra vires), serta memperhatikan batasan dan larangan yang ditentukan UU dan anggaran dasar Perseroan. Dalam melaksanakan tugas sebagai direksi, diharuskan memiliki itikad baik (in good faith) dan tanggung jawab (in full sense of responsibility); Direksi harus melaksanakan tugasnya dengan rajin (diligently), penuh kehati-hatian (carefully), dan pintar serta terampil (skillfully). Kata kunci: Direksi, Fiduciary Duty, Business Judgement Rule, Perseroan Terbatas,","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"11 1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133142522","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":"PERUBAHAN PASAR DI ERA DISRUPTIF: ANALISIS ETIKA BISNIS ISLAM","authors":"Fitri Maghfirah","doi":"10.52490/at-tijarah.v1i2.716","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.716","url":null,"abstract":"The discourse that occurred as a result of the 4.0 industrial revolution, besides having a positive impact also had a negative impact on some of the old market participants (incumbent) or conventional business people. Many of the incumbents feel threatened, this is because consumers in old markets or conventional markets have started to switch to new markets by incarnating through digital markets or the internet of things / internet for everything. In this article, the author wants to analyze the implications of the disruptive era for the sustainability of conventional markets. The research was conducted through a qualitative methodology, and reviewed through a business approach. Based on the analysis conducted by the author on some general description of the implications of the disruptive phenomenon on the sustainability of conventional markets through the concept of Islamic Business Ethics, the authors conclude that conventional business practitioners in the face of the industrial revolution 4.0, should align their markets with human development in this digital era. This is based on Islamic business ethics principles, which encourage business practitioners to do their best in developing their business. In addition, which is in accordance with the facts, that the occurrence of disruptive phenomena is inevitable, especially in the business world. Therefore, with the incumbent adjustments to new market patterns, this is one of the golden strategies in boosting the market, because inevitably the new market already has a place among consumers in this digital era. \u0000Keywords: Market, Disruptive, Islamic Business Ethics. \u0000  \u0000Abstrak \u0000Diskursus yang terjadi akibat dari revolusi industri 4.0, selain berdampak positif juga berdampak negatif bagi sebagian incumbentatau para pelaku bisnis konventional. Banyak diantara para incumbent yang merasa terancam, hal ini diakibatkan karena pasar konventional sudah mulai berekonstruksi menjadi pasar baru dengan menjelma melalui digitalmarketplaceatau serba-serbi internet of things/internet for everything.Oleh karena itu, dalam artikel ini penulis hendak menganilisis tentang implikasi dari era disruption terhadap keberlangsungan pasar konventional. Penelitian akan dilakukan melalui metodologi kualitatif, dengan jenis penelitian field research,yang ditinjau melalui pendekatan bisnis. Berdasarkan analisis yang penulis lakukan melalui konsep Etika Bisnis Islam, bahwa para pelaku bisnis konventional dalam menghadapi revolusi industri 4.0 yang berimplikasi pada perubahan pasar haruslah berusaha menyelaraskan pasar mereka dengan perkembangan manusia di era internet for everything ini. Hal tersebut didasarkanpada prinsip etika bisnis Islam yang menganjurkan para praktisi bisnis untuk melakukan yang terbaik dalam pengembangan bisnisnya. Di samping itu, terjadinya fenomena disruption sudah tidak mungkin bisa dielakkan lagi, khususnya dalam dunia bisnis. Oleh karena itu, dengan adanya upaya penyelarasan oleh incumbent terhadap ","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"87 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134498995","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}