Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah最新文献

{"title":"STATUS HARTA MODAL PENDIRIAN BISNIS RITEL SYARI’AH DALAM PERSPEKTIF AL QUR’AN","authors":"Taryani Sugi, M. Suryaman, Tirta Utama Somantri","doi":"10.35194/arps.v2i1.2358","DOIUrl":"https://doi.org/10.35194/arps.v2i1.2358","url":null,"abstract":"ABSTRAKBisnis ritel syariah akhir-akhir ini menjadi fenomenal, seiring dengan meningkatnya tingkat religiusitas masyarakat. Karena itu, semakin banyak orang yang mulai tertarik untuk menginvestasikan asetnya sebagai modal mendirikan bisnis ritel syariah. Modal merupakan faktor penting dalam mendirikan suatu usaha. Sebab, kegiatan produksi dan operasional lainnya tentu sangat bergantung pada modal. Dalam bisnis retail syari’ah, keberadaan modal tentunya memiliki konsep yang sedikit berbeda dengan modal bisnis konvensional pada umumnya. Semua faktor pendukung bisnis ritel syari'at harus benar-benar sesuai dengan perspektif Al-Qur'an dan hadits. Kajian ini bertujuan untuk menggali konsep kapital dalam perspektif al-Qur'an. Adapun yang menjadi subyek penelitian ini adalah tafsir ayat tentang modal usaha ritel syari'ah yaitu Q.S. Al-Hadiid ayat 7. Data dikumpulkan melalui dokumentasi dan studi pustaka dan dianalisis menggunakan teknik analisis data kualitatif.                                                ABSTRACKThe Shari'ah retail business has become phenomenal lately, along with the increasing level of community religiosity. Because of that, more and more people are beginning to be interested in investing their assets in the capital of establishing a Shari'ah retail business. Capital is a significant factor in establishing a business. Because, other production and operational activities are of course very dependent on capital. In the Shari'ah retail business, the existence of capital certainly has a concept that is slightly different from the capital of conventional business in general. All supporting factors of the Shari'ah retail business must be truly in accordance with the perspective of the Qur'an and hadith. This study aims to explore the concept of capital in the perspective of the Qur'an. As for the subject of this research is the interpretation of the verse about the Shari'ah retail business capital namely Q.S. Al-Hadiid verse 7. Data was collected through documentation and literature and analyzed using qualitative data analysis techniques.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"6 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-07-04","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131261323","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 KUALITAS PELAYANAN INTERNET BANKING (IB) TERHADAP KEPUASAN NASABAH PADA BANK BJB KCP CIPANAS","authors":"Dadang Yudih, Mia Siti Rahmiati, Suryana Suryana","doi":"10.35194/arps.v1i2.2001","DOIUrl":"https://doi.org/10.35194/arps.v1i2.2001","url":null,"abstract":"ABSTRAKPenelitianinibertujuanuntuk mengetahuiperanankualitaspelayanan internet bankingyangterdiridari desainwebsite,reliabilitas,keamanandanlayanan pelanggandapatmeningkatkankepuasan nasabahpadaBankBJBKCPCipanas. Metodepenelitianyang digunakanyaituMetodeKuantitatif.Adapunvariabel penelitianadalahkualitaspelayananInternet Banking(X)danKepuasan(Y)untuk mengujitingkatreliabilitasnyadenganmenggunakan Cronbach’s Alpha..Populasi padapenelitian iniyaitusekuruhnasabahBankBJBKCP Cipanas,denganjumlah sampelyang diambilsebanyak100orang.Sedangkanalatpengumpulandatayang digunakanadalahkuesioner.Hasilanalisis penelitianmenunjukkanpengaruh kualitas pelayananInternetBanking(IB)terhadap kepuasan nasabah padaBank BJBKCP Cipanas.ABSTRACT This study aims to determine the role of internet banking service quality which consists of website design, reliability, security and customer service in increasing customer satisfaction at Bank BJB KCP Cipanas. The research method used is the Quantitative Method. The research variables are Internet Banking service quality (X) and Satisfaction (Y) to test the level of reliability using Cronbach's Alpha. The population in this study were all customers of Bank BJB KCP Cipanas, with a total sample of 100 people. While the data collection tool used is a questionnaire. The results of the research analysis show the influence of Internet Banking (IB) service quality on customer satisfaction at Bank BJB KCP Cipanas.untuk mengetahuiperanankualitaspelayanan internet bankingyangterdiridari desainwebsite,reliabilitas,keamanandanlayanan pelanggandapatmeningkatkankepuasan nasabahpadaBankBJBKCPCipanas. Metodepenelitianyang digunakanyaituMetodeKuantitatif.Adapunvariabel penelitianadalahkualitaspelayananInternet Banking(X)danKepuasan(Y)untuk mengujitingkatreliabilitasnyadenganmenggunakan Cronbach’s Alpha..Populasi padapenelitian iniyaitusekuruhnasabahBankBJBKCP Cipanas,denganjumlah sampelyang diambilsebanyak100orang.Sedangkanalatpengumpulandatayang digunakanadalahkuesioner.Hasilanalisis penelitianmenunjukkanpengaruh kualitas pelayananInternetBanking(IB)terhadap kepuasan nasabah padaBank BJBKCP Cipanas.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122924043","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":"AKAD GADAI MENURUT IMAM ASY SYAFI’I","authors":"M. Zulfikar","doi":"10.35194/arps.v1i2.1887","DOIUrl":"https://doi.org/10.35194/arps.v1i2.1887","url":null,"abstract":"ABSTRAKSudah menjadi kebiasaan manusia apabila mereka menemui masalah keuangan, solusi terakhir yang dilakukan bila sudah tidak ada lagi asset yang bisa di jual atau tidak ingin menjual asset, caranya adalah dengan berhutang. Namun apabila dirasa sulit mendapatkan hutang dan ia masih memiliki asset dan berniat tidak mau menjualnya atau pun melepasnya, maka asset itu dijadikan jaminan pada hutang tersebut agar dapat lebih meyakinkan pemberi hutang. Dengan adanya aset yang dijaminkan maka mekanisme hutangnya pun berubah menjadi gadai, dengan besarnya hutang disesuaikan dengan nilai jual atau nilai pasar asset tersebut pada saat itu. Berbeda dengan hutang biasa, dimana besarnya hutang sesuai dengan yang dibutuhkan oleh pemohon. Imam Asy Syafi’i sekitar 13 abad yang lalu sudah memberikan pemikirannya berdasarkan Al Qur’an dan Al Hadits tentang cara melaksanakan akad gadai ini. Adapun tujuan diadakannya penelitian ini adalah bertujuan untuk melihat sejauh mana Imam Asy Syafi’i memberikan batasan-batasan dari gadai ini serta untuk menunjukkan bahwa beliau tidak hanya faqih dalam Fiqh ibadah saja. ABSTRACTIt is human habit when they face the financial problems, the last solution if there is no more asset to be sold or if they are not intend to sell, so the solution is debt. However, if they still has assets that are considered valuable but they don’t want to sell it or release it, then the assets are used as collateral in debt in order to convince the creditor. With the existence of collateral, the mechanism of debt has changed, becoming mortgage where the amount of debt is adjusted to the market value of the assets. Different from the ordinary debt, where the amount is in accordance with what is required by the applicant. Imam Ash Shafi’i about 13 centuries ago had given his thoughts based on the Holy Qur’an and Al Hadith on how to carry out this mortgage contract. This research aims to see the extent to which Imam Ash Shafi’i provides the limitations of this contract and to show that he is not only faqih in the Fiqh Ibadah.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"107 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129546962","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":"RENDAHNYA MARKET SHARING LEASING SYARIAH","authors":"Y. Rini","doi":"10.35194/arps.v1i2.1895","DOIUrl":"https://doi.org/10.35194/arps.v1i2.1895","url":null,"abstract":"ABSTRAKRata-rata pertumbuhan perbankan syariah lebih tinggi daripada rata-rata pertumbuhan perbankan konvensional, namun market share perbankan syariah masih rendah dibandingkan perbankan konvensional. Rendahnya market share ini disebabkan oleh beberapa faktor penyebab utama. Kajian ini menggunakan menggunakan metode kajian analisis kritis berdasarkan studi literatur, analisis UKG (Urgency, Seriousness, Growth), dan analisis fishbone. Hasil analisis menunjukkan masalah utama perkembangan leasing syariah adalah  lemahnya persepsi masyarakat terhadap produk perbankan dan untuk menyelesaikan masalah, dibuat.ABSTRACTAverage growth of Islamic banking is higher than the average growth of conventional banking, Islamic banking but the market share is still low compared to conventional banking . The low market share is due to several contributing factors. This study using the method of critical analysis study based on literature studies , analysis of UKG ( Urgency , Seriousness , Growth ) and fishbone analysis . The analysis showed the main problem is the weak development of sharia leasing the public perception of banking products and to resolve the issue , were made .","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121851812","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 TINGKAT RELIGIUSITAS DAN PENGETAHUAN TERHADAP MINAT MENJADI NASABAH DI BANK SYARIAH PADA MAHASISWA FAKULTAS EKONOMI DAN BISNIS ISLAM UNIVERSITAS SURYAKANCANA CIANJUR","authors":"Tini Kusmayati Dewi, Siti Rosana Permana","doi":"10.35194/arps.v1i2.1888","DOIUrl":"https://doi.org/10.35194/arps.v1i2.1888","url":null,"abstract":"ABSTRAKPenelitian ini bertujuan untuk mengetahui pengaruh tingkat religiusitas dan pengetahuan terhadap minat menjadi nasabah di bank syariah pada mahasiswa Fakultas Ekonomi Dan Bisnis Islam Universitas Suryakancana. Penelitian ini menggunakan pendekatan kuantitatif, dengan metode deskriptif dan asosiatif. Pengambilan sampel menggunakan metode random sampling dengan total sebanyak 86 menggunakan analisis regresi linier berganda. Hasil penelitian menyatakan bahwa Tingkat Religiusitas berpengaruh secara signifikan terhadap Minat Menjadi Nasabah, dengan hasil uji T yang menunjukkan thitung > ttabel yaitu 2,099 > 1,992 dengan nilai signifikansi sebesar 0,039 < 0,05. Dan Pengetahuan berpengaruh secara signifikan terhadap Minat Menjadi Nasabah, dengan hasil uji T yang menunjukkan thitung > ttabel yaitu 8,219 > 1,992 dengan nilai signifikansi 0,000< 0,05. Berdasarkan hasil penelitian maka dapat disimpulkan bahwa variabel tingkat religiusitas dan pengetahuan berpengaruh signifikan dan berarah positif terhadap minat menjadi nasabah di Bank Syariah pada mahasiswa Fakultas Ekonomi Dan Bisnis Islam Universitas Suryakancana Cianjur. Hal ini dibuktikan dengan hasil pengujian parsial (Uji F) pada tingkat religiusitas dan pengetahuan diperoleh nilai signifikan sebesar 0,000 dan nilai Fhitung sebesar 56,447. Hasil tersebut menunjukan nilai signifikan sebesar 0,000 < 0,05 dan Fhitung> Ftabel yaitu 56,447 > 3,105 dengan demikian Ha3 diterima dan Ho3 ditolak. ABSTRACTThis study aims to determine the effect of the level of religiosity and knowledge on the interest in becoming a customer in a islamic bank in students of the Islamic Economics and Business Faculty, Suryakancana University. This study uses a quantitative approach, descriptive and associative methods. Sampling using random sampling method with a total of 86 using multiple linear regression analysis. The results of the study stated that the level of religiosity had a significant effect on Interest in Becoming a Customer, with the results of the T test showing t count > t table, namely 2,099 > 1,992 with a significance value of 0.039 < 0.05. And Knowledge has a significant effect on Interest in Becoming a Customer, with the results of the T test showing tcount > ttable, namely 8.219 > 1.992 with a significance value of 0.000 <0.05. Based on the results of the study, it can be concluded that the variables of the level of religiosity and knowledge have a significant and positive effect on the interest in becoming a customer at Islamic Banks in students of the Islamic Economics and Business Faculty, Suryakancana University, Cianjur. This is evidenced by the results of the partial test (F-test) on the level of religiosity and knowledge obtained a significant value of 0.000 and an Fcount of 56.447. These results show a significant value of 0.000 <0.05 and Fcount> Ftable that is 56.447> 3.105, thus Ha3 is accepted and Ho3 is rejected.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"97 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121870351","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":"TEORI PERCAMPURAN IMPLEMENTASI MUSYARAKAH DAN MUDHARABAH DI LEMBAGA KEUANGAN SYARIAH","authors":"Irpan Jamil, Nanang Rustandi","doi":"10.35194/arps.v1i2.1890","DOIUrl":"https://doi.org/10.35194/arps.v1i2.1890","url":null,"abstract":"ABSTRAKEkonomi Islam yang tengah berkembang saat ini baik tataran teori maupun praktik merupakan wujud nyata dari upaya operasionalisasi Islam sebagai Rahmatan lil alamin. Dalam perkembangannya kadang sulit membedakan diantara produk syariah yang satu dengan yang lainnya, karena hampir samanya bentuk akad-akad tersebut. Terlepas dari itu, pertumbuhan dan perkembangan produk ekonomi Islam tetap berlandaskan kepada al-Quran, al-hadits maupun pendapat ulama. Adapun lewat analisis kualitatif reduksi dan penafsiran berupaya untuk lebih mengungkap teori permapuran ini. Maka hasilnya teori dan produk-produk dan jasa Syariah semakin banyak mewarnai eksistensi lembaga keuangan syariah. Ragam teori dan produk produk tersebut membutuhkan dasar dan penjelasan yang komprehensif agar memudahkan pemahaman tidak hanya bagi user tapi juga bagi semua kalangan yang berkepentingan dan menaruh perhatian terhadap pertumbuhan dan perkembangan Ekonomi Islam. Banyak pihak yang ingin mengetahui perbedaan mendasar antara Lembaga Keuangan Syariah dengan Lembaga Keuangan Konvensional. Salah satu perbedaan yang sering dikemukakan oleh para ahli adalah bahwa di Lembaga Keuangan Syariah harus ada Underlying Transaction  yang jelas, sehingga uang tidak boleh mendatangkan keuntungan dengan sendirinya. Teori percampuran dan produk produk turunannya seperti musyarakah dan mudharabah adalah bagian yang sangat penting dalam memaknai kekhasan produk produk di Lembaga Keuangan Syariah. Adapun  produk-produk Akad Percampuran (ikhtilath) yang sering dilakukan pada kegiatan transaksi ekonomi syariah yaitu Musyarakah atau dikenal dengan sebutan syirkah, yaitu percampuran antara sesuatu dengan yang lainnya, sehingga sulit untuk dibedakan. ABSTRACTIslamic economics that is currently developing, both at the theoretical and practical levels, is a tangible manifestation of the operationalization of Islam as Rahmatan lil alamin. In its development, it is sometimes difficult to distinguish between one sharia product and another, because the forms of the contracts are almost the same. Apart from that, the growth and development of Islamic economic products is still based on the Koran, al-hadith and the opinions of scholars. Meanwhile, through qualitative analysis, reduction and interpretation seeks to further reveal this amalgamation theory. So the result is that the theory and Islamic products and services are increasingly coloring the existence of Islamic financial institutions. The various theories and products require a comprehensive basis and explanation in order to facilitate understanding not only for users but also for all interested parties and pay attention to the growth and development of Islamic Economics. Many parties want to know the basic differences between Islamic Financial Institutions and Conventional Financial Institutions. One of the differences that are often stated by experts is that in Islamic Financial Institutions there must be a clear Underlying Transaction, so that mone","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114924043","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 KOMPARATIF PEMBIAYAAN MUSYARAKAH DI BANK SYARIAH MANDIRI KANTOR CABANG PEMBANTU ANTAPANI DENGAN KREDIT MODAL KERJA DI BANK MANDIRI KANTOR CABANG PEMBANTU SOEKARNO HATTA","authors":"Nabila Muzdalifah, Yasir Muharram Fauzi","doi":"10.35194/arps.v1i2.1809","DOIUrl":"https://doi.org/10.35194/arps.v1i2.1809","url":null,"abstract":"ABSTRAKBerdasarkan hasil observasi, bahwa yang melatarbelakangi penelitian ini adalah pentingnya modal kerja bagi suatu perusahaan dan bank menyediakan produk pembiayaan musyarakah dan kredit modal kerja untuk membantu hal tersebut. Penelitian ini bertujuan untuk mengetahui bagaimana syarat, ketentuan, prosedur, dan perhitungan bagi hasil dan bunga dari pembiayaan musyarakah yang ada di Bank Syariah Mandiri KCP Antapani dan kredit modal kerja yang ada di Bank Mandiri KCP Soekarno Hatta. Objek penelitian pada laporan ini adalah produk pembiayaan musyarakah dan kredit modal kerja yang ada di Bank Syariah Mandiri dan Bank Mandiri. Adapun jenis penelitiannya adalah kualitatif komparatif, jenis datanya adalah data primer dan menggunakan teknik pengumpulan data berupa observasi, wawancara, studi pustaka dan studi dokumentasi. Hasil penelitian menunjukan bahwa keunggulan dari produk pembiayaan musyarakah di Bank Syariah Mandiri yaitu menggunakan prinsip bagi hasil dengan sistem revenue sharing dimana bagi hasilnya didasarkan atas hasil usaha nasabah dan nisbahnya berdasarkan pada kesepakatan para pihak yang berakad, sedangkan keunggulan produk kredit modal kerja di Bank Mandiri adalah mempunyai limit kredit yang lebih luas dibandingkan dengan pembiayaan musyarakah di Bank Syariah Mandiri.ABSTARCTBased on the results of observations, that the background of this study is the importance of working capital for a company and a bank to provide musyarakah financing products and working capital loans to help this.This study aims to determine how the terms, conditions, procedures, and calculation of profit sharing and interest from musyarakah financing in Bank Syariah Mandiri KCP Antapani and working capital loans in Bank Mandiri KCP Soekarno Hatta.The object of research in this report is the musyarakah financing product and working capital credit in Bank Syariah Mandiri and Bank Mandiri. The type of research is comparative qualitative, the type of data is primary data and uses data collection techniques such as observation, interviews, literature studies and documentation studies. The results showed that the superiority of musyarakah financing products at Bank Syariah Mandiri is to use the principle of revenue sharing with a revenue sharing system where the profit sharing is based on the customer's business results and the ratio is based on the agreement of the parties in mind, while the excellence of working capital credit products at Bank Mandiri is has a wider credit limit compared tomusyarakah financing at Bank Syariah Mandiri.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127047994","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 DANA PIHAK KETIGA DAN CAPITAL ADEQUACY RATIO TERHADAP PROSIKLIKALITAS PERBANKAN PADA PT BANK BTN KANTOR CABANG BANDUNG TIMUR PERIODE 2016-2020","authors":"N. Sari, J. Jalaluddin","doi":"10.35194/arps.v1i2.1808","DOIUrl":"https://doi.org/10.35194/arps.v1i2.1808","url":null,"abstract":"ABSTRAKBerdasarkan hasil penelitian, bahwa yang melatar belakangi penelitian ini adalah fluktuatif Dana Pihak Ketiga dan Capital Adequacy Ratio (CAR), sehingga menyebabkan fluktuatifnya Prosiklikalitas di bank tersebut. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh antara Dana Pihak Ketiga (DPK) Terhadap Prosiklikalitas, serta mengetahui bagaimana pengaruh Capital Adequacy Ratio (CAR) Terhadap Prosiklikalitas di PT Bank Tabungan Negara. Objek penelitian ini menggunakan metode kuantitatif Asosiatif dengan jenis data menggunakan data Sekunder berupa laporan Triwulan PT Bank Tabungan Negara pada Periode 2016-2020. Sampel yang diteliti yaitu PT Bank Tabungan Negara yang ditentukan melalui teknik Purposive Sampling. Hasil penelitian ini menunjukan bahwa Dana Pihak Ketiga (DPK) memiliki koefisien yang bertanda positif sebesar 2,18, sedangkan Capital Adequacy Ratio (CAR) bertanda negative sebesar -0,272. Selain itu, variabel Dana Pihak Ketiga (DPK) memperoleh nilai signifikan (p-value) <a 0,05, dan Dengan demikian maka dapat disimpulkan bahwa Dana Pihak Ketiga (DPK) memiliki pengaruh yang signifikan terhadap Prosiklikalitas Perbankan, sedangkan Capital Adequacy Ratio (CAR)  tidak berpengaruh terhadap Prosiklikalitas. Adapun besar pengaruh seluruh variabel independen adalah sebesar 6,40%.ABSTRACTBased on the results of the study, that behind this study is the fluctuating Third Party Fund and Capital Adequacy Ratio (CAR), thus causing fluctuating procyclicality in the bank. This study aims to find out how the influence between Third Party Funds (DPK) on Prosiklikality, as well as to know how the influence of Capital Adequacy Ratio (CAR) on Procyclicality at PT Bank Tabungan Negara. The object of this study uses associative quantitative method with data type using Secondary data in the form of Quarterly report of PT Bank Tabungan Negara in the period 2016-2020. The samples studied were PT Bank Tabungan Negara which was determined through Purposive Sampling technique. The results of this study showed that Third Party Funds (DPK) have a coefficient marked positively of 2.18, while the Capital Adequacy Ratio (CAR) is negatively marked at -0.272. In addition, the variable Third Party Fund (DPK) obtains a significant value (p-value) <a 0.05, and thus it can be concluded that Third Party Funds (DPK) have a significant influence on Banking Procyclicality, while the Capital Adequacy Ratio (CAR) has no effect on Procyclicality. The influence of all independent variables is 6.40%.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-09-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130381439","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 OPTIMALISASI DAMPAK PEMBINAAN CITRA PRODUK IKM TERHADAP DAYA SAING UMKM KABUPATEN CIANJUR","authors":"Kasmiri Kasmiri, Hana Amalia Sufiandi","doi":"10.35194/ARPS.V1I1.1292","DOIUrl":"https://doi.org/10.35194/ARPS.V1I1.1292","url":null,"abstract":"ABSTRAKPenelitian ini dilatar belakangi oleh adanya pembinaan terhadap Usaha Mikro Kecil dan Menengah (UMKM) sebagai produsen Industri Kecil Menengah (IKM) melalui  program pembinaan fasilitasi yang telah diselenggarakan oleh DISKOPERDAGIN Kabupaten Cianjur terhadap UMKM dalam rangka meningkatkan citra produk IKM. Pembinaan yang telah diberikan berupa pembinaan fasilitasi untuk meningkatkan daya saing produk IKM melalui upaya peningkatan citra produk yang meliputi pembinaan fasilitasi P-IRT, label halal, desain kemasan, dan pendaftaran HAKI merek dagang. Tujuan penilitian ini adalah untuk menganalisis Optimalisasi dampak pembinaan citra produk IKM terhadap daya saing UMKM Kabupaten Cianjur (Studi Kasus Pembinaan UMKM pada DISKOPERDAGIN Kabupaten Cianjur). Pendekatan penelitian bersifat penelitian kualitatif dan kuantitatif, dengan metode penelitian analisis deskriptif. Data dikumpulkan melalui studi kepustakaan, observasi partisipatif dan wawancara selama melakukan Kuliah Kerja Lapangan. Temuan penelitian menyimpulkan bahwa pembinaan fasilitasi yang diberikan DISKOPERDAGIN dalam meningkatkan daya saing produk melalui pembinaan citra produk UMKM, seperti pembinaan fasilitasi  PIRT,label halal, kemasan dan merek dagang ,nampak masih belum optimal untuk meningkatkan daya saing produk UMKM Kabupaten Cianjur, karena   secara kuantitatif  cakupan pembinaan fasilitasinya masih terbatas. ABSTRACTThis research is motivated  by  implementation program of fasilitation for enchance competitive advantage of Cianjur IKM’S product. The scope area program are fasilitation for PIRT sertificate, Halal’S label, Packaging Design, and Brand Register product.  The aims of this research  to analyze optimalization  impact of implementation DISKOPERDAGIN fasilitation program to enchance  product competitive advantage of  Cianjur IKM product. The methodology of this research are  quantitative and qualitative research, with a descriptive analysis research method. Data was collected through literature study, par ticipatory observation and interviews was conducted during the KKL program in DIS KOPERDAGIN Cianjur District. Conclution of the research, that impact DISKOPERDAGIN fasilitation program to enchance IKM product’S competitive advantage not yet. Qualitative that fhenomena condition occur from limited number participant program fasilitation coverage.","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121081189","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 CAPITAL ADEQUACY RATIO (CAR) DAN BIAYA OPERASIONAL PER PENDAPATAN OPERASIONAL (BOPO) TERHADAP NON PERFORMING FINANCING (NPF) DI BPRS INDONESIA PERIODE 2014-2018","authors":"F. Faisal","doi":"10.35194/ARPS.V1I1.1305","DOIUrl":"https://doi.org/10.35194/ARPS.V1I1.1305","url":null,"abstract":"ABSTRAKPenelitian ini dilatar belakangi dengan fenomena nilai NPF yang terus mengalami kenaikan padahal saat bersamaan nilai CAR mengalami kenaikan dengan batas limit yang ditentukan oleh ojk yakni sebesar 8%. Disisi lain nilai BOPO mengalami kenaikan sedangkan nilai NPF terus mengalami kenaikan melebihi batas limit yang telah ditentukan oleh ojk yakni sebesar 5% pada Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia pada periode tahun 2014-2018. Metode penelitian yang digunakan adalah metode penelitian deskriptif dan asosiatif yang menggunakan pendekatan kuantitatif. Populasi yang digunakan adalah data rasio keuangan CAR, BOPO dan NPF Bank Pembiayaan Rakyat Syariah seluruh Indonesia. Pengambilan sampel menggunakan metode purposive sampling dengan jumlah sebanyak 60 sampel. Data yang digunakan adalah data sekunder yang diperoleh dari situs resmi www.ojk.go.id melalui Laporan Keuangan Publikasi Bank Pembiayaan Rakyat Syariah di seluruh Indonesia periode tahun 2014-2015. Hipotesis dalam penelitian ini adalah: (Ha1) terdapat pengaruh signifikan variabel Capital Adequacy Ratio (CAR) terhadap Non Performing Financing (NPF) pada BPRS Indonesia, (Ha2) terdapat pengaruh signifikan variabel Biaya Operasional Per Pendapatan Operasional (BOPO) terhadap Non Performing Financing (NPF), (Ha3) terdapat pengaruh signifikan antaran variabel CAR dan BOPO terhadap Non Performing Financing (NPF). Hasil penelitian menyimpulkan bahwa variabel CAR berpengaruh signifikan kearah negatif terhadap NPF BPRS di Indonesia. Hal ini dibuktikan dengan hasil uji t variabel CAR terhadap NPF menunjukkan nilai hitung -7,371 > t tabel -1,672. Variabel BOPO berpengaruh signifikan kearah negatif terhadap NPF BPRS di Indonesia , hal ini terbukti dengan hasil uji t variabel BOPO terhadap NPF menunjukkan nilai t hitung -3.778 > t tabel -1,672. Variabel antara CAR dan BOPO secara simultan berpengaruh signifkan terhadap NPF BPRS di Indonesia, hal ini dibuktikan dengan hasil uji f statistik bahwa CAR dan BOPO secara bersama-sama berpengaruh terhadap NPF, dengan memperoleh nilai Fhitung sebesar 43,223 > Ftabel 3,160 dan nilai signifikansinya 0,000 < 0,005. Serta CAR dan BOPO memberikan pengaruh sebesar 60,3% sedangkan sisanya sebesar 39,7% merupakan pengaruh dari faktor-faktor lain diluar penelitian. ABSTRACTThis research is motivated by the NPF value phenomenon, which continues to increase even though, at the same time, the CAR value has increased with a limit set by OJK, which is 8%. On the other hand, the value of BOPO has increased while the value of NPF has continued to grow beyond the limit set by OJK, which is 5% in Sharia Rural Banks (BPRS) in Indonesia in 2014-2018 period. The research method used is descriptive and associative research methods that use a quantitative approach. The population used is the financial ratio data of CAR, BOPO and NPF of Sharia Rural Banks throughout Indonesia. Sampling using a purposive sampling method with a total of 60 samples. The data used is seconda","PeriodicalId":412643,"journal":{"name":"Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah","volume":"59 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-03-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125435632","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}