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

{"title":"STRATEGI BAURAN PEMASARAN INDUSTRI TEMPE DI KOTA LHOKSEUMAWE DALAM PERSPEKTIF EKONOMI SYARIAH","authors":"Harjoni Desky, R. Rahmawati","doi":"10.52490/at-tijarah.v1i2.718","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.718","url":null,"abstract":"The fall in the sale and purchase figures in the tempe industry in Banda Sakti District, Lhokseumawe City is quite interesting to study. The purpose of this study is to, first, find out the marketing mix strategy; second, knowing the supporting and inhibiting factors; and third, knowing in terms of the tempe home industry Islamic economics. Primary data and secondary data obtained by observation, interviews, and questionnaires, then analyzed using descriptive qualitative methods. The results of the study show: the marketing mix strategy undertaken by the tempe home industry is still traditional, both in terms of product, place, promotion, and price. The supporting factor is one of the traditional foods, which is popular in the community and sterile from chemicals, while the inhibiting factor is the limited raw material for soybeans. The Marketing Mix Strategy in terms of Islamic Economics is as follows: Tempeh products are not prohibited; Prices offered are affordable; Place of marketing in strategic locations and easily accessible; Promotion is not yet fully in accordance with the Islamic economic system, because it has not yet maximized to increase sales, it is evident from the aspect of the strategy that it still is. \u0000Keywords: Marketing Mix Strategy, Tempe Industry, Sharia Economy. \u0000  \u0000Abstrak \u0000Turunnya angka jual beli tempe di Kecamatan Banda Sakti, Kota Lhokseumawe cukup menarik untuk diteliti. Tujuan penelitian ini untuk, pertama,mengetahui strategi bauran pemasaran yang dilakukan oleh pengusaha industri tempe; kedua, mengetahui faktor pendukung dan penghambat; dan ketiga, mengetahui ditinjau dari ekonomi Islam industri rumah tangga tempe. Data primer dan data sekunder didapat dengan wawancara, observasi, wawancara, dan kuesioner, selanjutnya dianalisis dengan metode deskriptif kualitatif. Hasilnya penelitian menunjukkan: strategi bauran pemasaran yang dilakukan industri rumah tangga tempe masih tradisional, baik dari segi produk, tempat, promosi, dan harga. Faktor pendukungnya merupakan salah satu makanan tradisional, yang populer di masyarakat dan seteril dari bahan kimia, sementara faktor penghambatnya, terbatasnya bahan baku kedelai. Strategi Bauran Pemasaran ditinjau dari Ekonomi Islam adalah sebagai berikut: Produk tempe tidak dilarang; Harga ditawarkan terjangkau; Tempat pemasaran di lokasi strategis dan mudah diakses; Promosi belum sepenuhnya sesuai dengan sistem ekonomi syariah, karena belum memaksimalkan untuk meningkatkan penjualan, terbukti dari aspek strategi masih seperti apa adanya. \u0000Kata Kunci: Strategi Bauran Pemasaran; Industri Tempe: Ekonomi Syariah.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"8 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":"126183799","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 BERBISNIS DALAM PANDANGAN ISLAM","authors":"Angga Syahputra","doi":"10.52490/at-tijarah.v1i1.707","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i1.707","url":null,"abstract":"Nowadays many business people run their business by ignoring ethics and only thinking about how to make a profit. Islam rejects those that override ethics in carrying out business activities. Ethics in general can be interpreted in the behavior or actions of a person or group of people who are accustomed to and always carried out in their life activities. Whereas Business is defined as an activity carried out by humans to obtain income or income or sustenance in order to meet the needs and desires of his life by managing economic resources effectively and efficiently. \u0000Islamic business ethics is a process and effort to find out the right and wrong things which then do the right thing with regard to its business activities. In Islamic business ethics there are several principles that must be considered by everyone in running a business that is, unity / oneness, balance, freedom of will, responsibility, and truth. \u0000Keywords: Ethics, Business, Islamic Business. \u0000  \u0000Abstrak \u0000Saat ini banyak pebisnis yang menjalankan bisnis mereka dengan mengabaikan etika dan hanya memikirkan cara menghasilkan keuntungan. Islam menolak mereka yang mengesampingkan etika dalam menjalankan kegiatan bisnis. Etika secara umum dapat diartikan dalam perilaku atau tindakan seseorang atau sekelompok orang yang terbiasa dan selalu dilakukan dalam aktivitas hidupnya. Sedangkan Bisnis diartikan sebagai kegiatan yang dilakukan oleh manusia untuk memperoleh penghasilan atau pendapatan atau rezeki agar dapat memenuhi kebutuhan dan keinginan hidupnya dengan mengelola sumber daya ekonomi secara efektif dan efisien. \u0000Etika bisnis Islam adalah proses dan upaya untuk menemukan hal-hal yang benar dan salah yang kemudian melakukan hal yang benar berkaitan dengan kegiatan bisnisnya. Dalam etika bisnis Islam ada beberapa prinsip yang harus diperhatikan oleh setiap orang dalam menjalankan bisnis yaitu, kesatuan/keesaan, keseimbangan, kebebasan, tanggung jawab, dan kebenaran. \u0000Kata kunci: Etika, Bisnis, Bisnis Islam.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134354455","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 NON PERFORMING FINANCING DAN PERSENTASE BAGI HASIL TERHADAP PEMBIAYAAN MUSYARAKAH PADA PT BANK SYARIAH MANDIRI","authors":"Nora Ulfa, I. Ismaulina, Fathul Liza","doi":"10.52490/at-tijarah.v1i1.711","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i1.711","url":null,"abstract":"Non Performing Financing (NPF) and Percentage of Profit Sharing (PBH) indirectly influence the distribution of Musyarakah financing to Islamic banking. NPF occurs because the customer is unable to pay installments from the musyarakah financing that he has received, the inability of the customer to pay monthly installments is due to the percentage of profit sharing that is too high. The phenomenon that has been happening to PT Bank Syariah Mandiri, namely the distribution of funding did not increase significantly due to an increase in NPF. Based on these thoughts, in this study a research question was taken to find out what factors would influence the distribution of funding to PT Bank Syariah Mandiri. Based on this phenomenon, the distribution of Musyarakah Financing to PT Bank Syariah Mandiri can be seen from the percentage of revenue sharing that has increased significantly, while the NPF and Financing have an interrelated relationship. It can be seen from the Financing data from 2012 to 2014 that the increase in financing was very small due to the increasing value of the NPF. The research method used is a quantitative method in which financial statement data taken through the official website www.syariah.mandiri.co.id will be processed through SPSS data. The results of the study are: The development of NPF of Syariah Mandiri Bank during 2012-2014 has fluctuated, where the percentage of NPF sometimes goes up and sometimes goes down, the results of statistical tests show Non Performing Financing (NPF) has a positive and significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. This indicates an increase and decrease in the amount of Musyarakah financing disbursed is strongly influenced by the NPF. The development of Bank Syariah Mandiri's Production Sharing Percentage (PBH) during 2012-2014 sometimes increased and sometimes decreased, the statistical test results showed that the Production Sharing Percentage (PBH) had a positive influence and had a significant influence on the distribution of Musyarakah Financing to Bank Syariah Mandiri. Because the significance value is smaller than 0.05. \u0000Keyword : Non Performing Financing,  Share of Percentage, Musyarakah Financing. \u0000  \u0000Abstrak \u0000Non Performing Financing (NPF) dan Persentase Bagi Hasil (PBH) secara tidak langsung mempengaruhi distribusi pembiayaan Musyarakah ke perbankan syariah. NPF terjadi karena pelanggan tidak mampu membayar cicilan dari pembiayaan musyarakah yang telah ia terima, ketidakmampuan pelanggan untuk membayar cicilan bulanan disebabkan oleh persentase pembagian keuntungan yang terlalu tinggi. Fenomena yang telah terjadi pada PT Bank Syariah Mandiri, yaitu penyaluran dana tidak meningkat secara signifikan karena adanya peningkatan NPF. Berdasarkan pemikiran ini, dalam penelitian ini pertanyaan penelitian diambil untuk mengetahui faktor-faktor apa yang akan mempengaruhi distribusi dana ke PT Bank","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"39 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134332746","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 PROGRAM CORPORATE SOCIAL RESPONSIBILITY PADA BAITUL MAL MUAMALAT LHOKSEUMAWE BAGI MASYARAKAT","authors":"Y. M. Yoesoef, Marlida Marlida","doi":"10.52490/at-tijarah.v1i1.705","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i1.705","url":null,"abstract":"This study aims to analyze the effectiveness of corporate social responsibility (CSR) programs for the community. The results showed that: 1) The implementation of the BMM CSR Program of Lhokseumawe City was further developed by Baitul Maal Muamalat Lhokseumawe in order to be distributed appropriately and effectively, the programs are: a) Economic empowerment especially micro-economics b) Educational empowerment program. c) Social and humanitarian empowerment 2) Obstacles in carrying out the Corporate Social Responsibility (CSR) Program in BMM Lhokseumawe City, are: a) Beneficiaries of compensation are higher than existing funds, b) There are people who do not understand yet about the community economic empowerment contract in the form of community economic empowerment qardhu hasan, so that many borrowers do not return it, consequently impacting on the next mustahik, c) The level of recipients of compensation is getting higher and higher, while the funds collected for each month do not add up to what is expected. With the results of the research that have been obtained, it is expected that going forward To the BMM Management Lhokseumawe City in order to increase instruction of activities to subordinate managers or commonly referred to employees, both directing operational products contained in BMM, and other directives. \u0000Keywords: Analysis of Corporate Social Responsibility (CSR), BMM (Baitul Mal Muamalat) \u0000  \u0000Abstrak \u0000Penelitian ini bertujuan menganalisa bagaimana efektifitas program-program corporate social responsibility (CSR) bagi masyarakat.Hasil penelitian menunjukkan bahwa : 1) Pelaksanaan Program CSR (Corporate Social Responsibility) BMM Kota Lhokseumawe itu dikembangkan lagi oleh pihak Baitul Maal Muamalat Lhokseumawe agar dapat disalurkan secara tepat dan efektif, yaitu: a) Pemberdayaan ekonomi khususnya ekonomi mikro b) Program pendayagunaan pendidikan. c) Pendayagunaan sosial dan kemausiaan 2) Kendala dalam menjalankan Program Corporate Social Responsibility (CSR)Pada BMM Kota Lhokseumawe yaitu: a) Penerima santunan lebih tinggi daripada dana yang ada, b) Masih terdapat masyarakat yang tidak memahami akan akad pemberdayaan ekonomi masyarakat dalam bentuk qardhu hasan, sehingga banyaknya peminjam yang tidak mengembalikannya, akibatnya imbas kepada mustahik yang selanjutnya, c) Tingkat penerima santunan semakin hari semakin tinggi, sedangkan dana yang terkumpul untuk setiap bulannya tidak terdapat penambahan sesuai dengan yang yang di harapkan. Dengan hasil penelitian yang sudah di dapatkan maka diharapkan untuk kedepannya Kepada Manajemen BMM Kota Lhokseumawe agar dapat meningkatkan pengarahan-pengarahan kegiatan kepada manajer bawahan atau biasa disebut dengan karyawan, baik itu pengarahan operasinal produk-produk yang terdapat pada BMM, maupun pengarahan lainnya. \u0000Kata Kunci:Corporate Social Responsibility (CSR), BMM (Baitul Mal Muamalat) Lhokseumawe","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"56 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128164634","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":"LAHIRNYA PERBANKAN SYARI’AH DI INDONESIA","authors":"Rita Mulyani","doi":"10.52490/at-tijarah.v1i1.708","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i1.708","url":null,"abstract":"With the development of increasingly advanced times, the bank continues to make new innovations so that at this time the bank is no longer just an institution that functions to collect and distribute funds, but at the same time also as an intermediary in the payment traffic. However, the Muslim community strives to realize banking based on sharia principles. For this reason, several Muslim countries have slowly begun to establish Islamic Banks. The development of Islamic banking is quite significant in several countries, but of the many countries, Indonesia actually has a different side. The difference lies in the term used to refer to a non-conventional bank. While other countries commonly refer to it as an Islamic Bank, in Indonesia it is actually called the Sharia Banking because the idea of ​​the Islamic Bank is alleged to have contained political and SARA elements. With high stretches owned by several Muslim countries to establish shari'ah banking, Indonesia as the country with the largest Muslim population in the world established the first sharia banking under the name Bank Muamalat Indonesia (BMI) which was officially operated in 1992. From year to year, Sharia banking growth is very fast. \u0000Keywords : Banking, Sharia Banking,Indonesia. \u0000  \u0000Abstrak \u0000Dengan perkembangan zaman yang semakin maju, bank terus melakukan inovasi baru sehingga pada saat ini bank tidak lagi hanya sekedar lembaga yang berfungsi menghimpun dan menyalurkan dana saja, namun sekaligus juga sebagai intermediasi dalam lalu lintas pembayaran. Namun, komunitas Muslim berusaha untuk mewujudkan perbankan berdasarkan prinsip syariah. Atas dasar alasan inilah, beberapa negara muslim perlahan mulai mendirikan Bank Islam. Perkembangan perbankan Islam cukup signifikan terjadi di beberapa negara, tetapi dari sekian banyak negara, Indonesia justru memiliki sisi yang berbeda. Perbedaan tersebut terletak pada istilah yang dipakai untuk menyebut bank yang nonkonvensional.Di saat negara-negara lain lazim menyebutnya sebagai Bank Islam, di Indonesia justrumenyebutnya Bank Syari’ah karena istilah Bank Islam diduga mengandung unsur politik dan SARA.Dengan geliat tinggi yang dimiliki oleh beberapa negara muslim untuk mendirikan perbankan syari’ah, Indonesia sebagai negara dengan populasi muslim terbesar di dunia mendirikan perbankan syariah pertama dengan nama Bank Muamalat Indonesia (BMI) yang secara resmi beroperasi pada tahun 1992.Dari tahun ke tahun, pertumbuhan perbankan syari’ah sangatcepat. \u0000Kata Kunci : Perbankan, Perbankan Syariah, Indonesia.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"62 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116596934","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 SYARIAH DALAM SOROTAN","authors":"Safwan Safwan","doi":"10.52490/at-tijarah.v1i1.712","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i1.712","url":null,"abstract":"In fact, a proper understanding of sharia is a goal while fiqh is the path used to get to that goal. Sharia can also be understood as God's message sent to mankind through the intermediaries of the Prophets, while fiqh is the result of the understanding and interpretation of a mujtahid of the message so that the results of that interpretation allow true and possible to be wrong. The standard for assessing whether a legal decision is sharia compliant or not, in fact the main consideration is whether the law really contains elements of justice, benefit, mercy, wisdom, and other noble values. Sharia appraisers and not actually not located on the label or claim, but rather is the substance. Comparison of positive law and sharia law in this case is related to the execution of fiduciary guarantees, apparently positive law is no less Islamic than the law which is said to be more sharia. Evidently, the execution of fiduciary guarantees when the customer defaults turns out to be more beneficial decision made by positive law than sharia law which in this case is represented by the decision of the DSN-MUI Fatwa, and there are many other examples that we might find. \u0000Keyword: Sharia, Fiqh, Positive and Sharia law, Fiduciary Guarantee, DSN-MUI Fatwa. \u0000  \u0000Abstrak \u0000Sebenarnya, pemahaman yang tepat tentang syariah merupakan sebuah tujuan sedangkan fikih merupakan jalan yang digunakan untuk bisa sampai kepada tujuan tersebut. Syariah juga dapat dipahami sebagai pesan Tuhan yang diturunkan kepada umat manusia melalui perantara para Nabi, sedangkan fikih merupakan hasil pemahaman dan penafsiran seorang mujtahid terhadap pesan tersebut sehingga hasil penafsiran tersebut memungkinkan benar dan memungkinkah salah. Standar untuk menilai apakah suatu keputusan hukum itu sesuai syariah ataukah tidak, sebenarnya pertimbangan utamanya adalah apakah hukum tersebut memang benar-benar memuat unsur keadilan, maslahat, rahmat, hikmah, dan nilai-nilai luhur lainnya. Penilai syariah dan bukan sebenarnya tidak terletak pada label atau klaim, melainkan adalah substansi. Perbandingan hukum positif dan hukum syariah dalam hal ini adalah berkaitan dengan eksekusi jaminan fidusia ternyata hukum positif tidak kalah Islami dengan hukum yang dikatakan lebih syariah. Terbukti, eksekusi jaminan fidusia tatkala nasabah terjadi wanprestasi ternyata lebih maslahat keputusan yang ditetapkan oleh hukum hukum positif dari pada hukum syariah yang dalam hal ini diwakili oleh keputusan Fatwa DSN-MUI, dan masih banyak contoh lain yang mungkin dapat kita temukan. \u0000Kata kunci: Syariah, Fiqh, Positif dan Hukum Syariah, Jaminan Fidusia, Fatwa DSN-MUI","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123842947","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}