Jurnal Riset Perbankan Syariah最新文献

{"title":"Efisiensi Zakat Infak Sedekah dan Wakaf Menggunakan Metode Data Envelopment Analysis","authors":"Aisyah Shohwatul Islam, Zaini Abdul Malik, Popon Srisusilawati","doi":"10.29313/jrps.v2i1.2026","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2026","url":null,"abstract":"Abstract. Zakat, infaq, alms and waqf are supporters of economic growth, besides that ziswaf is an instrument of socio-economic equity that can be used to reduce contributors to poverty line. The Insan Dermawan Fondation is one of the ziswaf management institution in Bandung Regency. This study aims to find out how the practice of collecting ziswaf at the Insan Dermawan Institute, to determine the distribution practice at the Insan Dermawan Institute and to analyze the efficiency level of the Insan Dermawan Institute using the Data Envelopment Analysis (DEA) method. This research uses descriptive quantitative research. The data obtained from the object to be studied using financial statements, observations, interviews and documentation. The financial statements used in this study are financial statements used in this study are financial statements for the period 2020-2022 wich are then calculated using the Data Envelopment Analysis (DEA) method. Based on the results of the research, it was found the Generous Personnel were efficient as an institution manages zakat, infaq, alms and waqf, this was indicated by efficienty value obtained, which was 100% or 1. Although, the Generous Personnel were still unable to pursue the predetermined collection and distribution targets. \u0000Abstrak. Zakat, infak, sedakh dan wakaf adalah pendukung pertumbuhan ekonomi, selain itu ziswaf merupakan instrument pemerataan sosial ekonomi yang bisa digunakan untuk mengurangi penyumbang garis kemiskinan. Yayasan Insan Dermawan adalah salah satu lembaga pengelola ziswaf yang berada di Kabupaten Bandung. Penelitian ini bertujuan untuk mengetahui bagaimana praktik penghimpunan ziswaf di Lembaga Insan Dermawan, untuk mengetahui praktik pendistribusian di Lembaga Insan Dermawan dan untuk menganalisis tingkat efisiensi Lembaga Insan Dermawan menggunakan Metode Data Envelopment Analysis (DEA). Penelitian ini menggunakan jenis penelitian kuantitatif deskriptif. Data yang diperoleh  dari objek yang akan diteliti menggunakan laporan keuangan, observasi, wawancara dan dokumentasi. Laporan keuangan yang digunakan pada penelitian ini adalah laporan keuangan periode Tahun 2020-2022 yang kemudian dihitung menggunakan Metode Data Envelopment Analysis (DEA). Berdasarkan hasil penelitian yang diperoleh bahwa Insan Dermawan telah efisien sebagai lembaga pengelola zakat, infak, sedekah dan wakaf hal ini ditunjukan dengan perolehan nilai efisiensi yang didapat yaitu 100% atau 1. Walaupun Insan Dermawan masih belum bisa mengejar target penghimpunan dan pendistribusian yang ditentukan sebelumya.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"49 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124138107","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 Hukum Islam dan Peraturan Menteri Sosial terhadap Program Bantuan Pangan Non Tunai","authors":"Sofura Alfia Dayana, Zaini Abdul Malik","doi":"10.29313/jrps.v2i1.2027","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2027","url":null,"abstract":"Abstract. \u0000Non-Cash Food Assistance is food social assistance from the government to reduce the burden by fulfilling some food needs. The objectives of this research are: (1) Knowing the implementation of the distribution of the BPNT program in Bencoy Village. (2) Knowing the analysis of Islamic law principles and the Minister of Social Affairs Regulation No. 5 of 2021. This research method uses a qualitative research type with a normative juridical approach. The research data were obtained from the object to be examined by carrying out observations, interviews, questionnaires, documentation and literature studies. Based on the research results, it was found that the distribution of the Bencoy Village Non-Cash Food Assistance (BPNT) program was channeled in cash through the Post Office, the assistance funds provided by the government were required to spend on food. According to Minister of Social Affairs Regulation No. 5 of 2021, the use of funds received by Beneficiary Families (KPM) is not fully in accordance with existing regulations. In terms of the principles of Islamic law and muamalah, they are not fully in accordance with the principles of trustworthiness and the principles of honesty. \u0000  \u0000Abatrak. Bantuan Pangan Non Tunai merupakan bantuan sosial pangan dari pemerintah untuk mengurangi beban melalui pemenuhan sebagian kebutuhan pangan. Tujuan dalam penelitian ini adalah, (1) Mengetahui pelaksanaan penyaluran program BPNT di Desa Bencoy.(2) Mengetahui analisis prinsip hukum Islam dan Peraturan Menteri Sosial no 5 tahun 2021. Metode Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan yuridis normatif. Data penelitian diperoleh dari objek yang akan diteliti dengan melaksanakan observasi, wawancara, kuesioner, dokumentasi dan studi literatur. Berdasarkan hasil penelitian yang diperoleh bahwa penyaluran program Bantuan Pangan Non Tunai (BPNT) Desa Bencoy disalurkan secara tunai melalui Kantor Pos, dana bantuan yang diberikan pemerintah diharuskan untuk membelanjakan bahan pangan. Menurut Peraturan Menteri Sosial no 5 tahun 2021 dalam penggunaan dana yang diterima Keluarga Penerima Manfaat (KPM) belum sepenuhnya sesuai dengan regulasi yang ada. Dilihat dari segi prinsip hukum Islam dan muamalah  belum sepenuhnya sesuai dengan prinsip amanah dan prinsip kejujuran.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123300954","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 Akad Wakalah terhadap Reksadana Syariah pada Bukalapak dan Tokopedia","authors":"N. Afifah, Eva Misbah Bayuni, Zia Firdaus Nuzula","doi":"10.29313/jrps.v2i1.2018","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2018","url":null,"abstract":"Abstract. Bukalapak and Tokopedia are e-commerce platforms that act as sales agents for Sharia Mutual Fund Participation Units as representatives, but in practice there are several pillars and conditions for wakalah contracts that are not yet clear. From these problems, the objectives of this study are as follows: To find out the provisions of wakalah contracts according to the provisions of fiqh muamalah, to find out the mechanism of sharia mutual funds traded on Bukalapak and Tokopedia and to know the analysis of wakalah contracts according to the provisions of fiqh muamalah to sharia mutual funds traded in Bukalapak and Tokopedia. The research method used is qualitative research with a library research approach and data analysis is carried out through descriptive analysis techniques. The results of the study indicate that the wakalah contract according to the provisions of the Muamalah Fiqh which is applied to sharia mutual fund investment activities is legally permissible, the mechanism of sharia mutual funds traded on Bukalapak and Tokopedia is relatively easy to do with cheap and affordable initial investment funds for all people, and the implementation of wakalah contracts in Sharia Mutual Fund investment activities traded on Bukalapak and Tokopedia are in accordance with the provisions according to Muamalah Fiqh. \u0000Abstrak. Bukalapak dan Tokopedia merupakan platform e-commerce yang bertindak sebagai agen penjualan Unit Penyertaan Reksadana syariah selaku wakil, namun pada pelaksanaannya terdapat beberapa rukun dan syarat akad wakalah yang belum jelas pelaksanaannya. Dari permasalahan itu, maka tujuan dari penelitian ini adalah sebagai berikut : untuk mengetahui ketentuan akad wakalah menurut ketentuan fikih muamalah, untuk mengetahui mekanisme reksadana syariah yang diperjualbelikan pada Bukalapak dan Tokopedia dan untuk mengetahui analisis akad wakalah menurut ketentuan fikih muamalah terhadap reksadana syariah yang diperjualbelikan pada Bukalapak dan Tokopedia. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan studi kepusatakaan atau library research dan analisis data dilakukan melalui teknik deskriptif analisis. Hasil penelitian menunjukkan bahwa akad wakalah menurut ketentuan Fikih Muamalah yang diterapkan pada kegiatan investasi reksadana syariah hukumnya mubah, mekanisme reksadana syariah yang diperjualbelikan pada Bukalapak dan Tokopedia relatif mudah untuk dilakukan dengan dana investasi awal yang murah dan terjangkau bagi semua kalangan, serta pelaksanaan akad wakalah dalam kegiatan investasi Reksadana Syariah yang diperjualbelikan pada Bukalapak dan Tokopedia telah sesuai dengan ketentuan-ketentuan menurut Fikih Muamalah.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123083303","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":"Tinjauan Etika Bisnis Islam pada Jasa Makelar Jual Beli Mobil Bekas Medsos","authors":"Indah Ayu Nur Fauziah, Nanik Eprianti, I. Permana","doi":"10.29313/jrps.v2i1.2003","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2003","url":null,"abstract":"Abstract. Business transaction activities sometimes require mediators or brokers, especially in buying and selling transaction activities, at this time it also occurs in the business sector of buying and selling used cars through social media. In practice, brokers are often not transparent in offering cars to consumers by not providing objective information regarding the actual condition of the vehicle, so that consumers feel disadvantaged. Which indicates that this raises many potential violations in terms of Islamic business ethics. Based on this, this study aims to determine and analyze the mechanism of brokerage services in buying and selling used cars through social media, and to find out the review of Islamic business ethics on brokerage services in buying and selling used cars through social media. The research method used is analytical descriptive to review the suitability of the broker's service mechanism in buying and selling used cars through social media with the principles of Islamic business ethics. The results of the study show that the mechanism of brokerage services in buying and selling used cars through social media, especially what happens on the FB account of Bandung X Used Car Buying and Selling is carried out in two ways which provide opportunities for the broker to get fees from both the seller and the buyer, and the brokerage service mechanism in buying and selling used cars through social media, especially what happened to the Bandung X Used Car Buying and Selling FB account, are not in accordance with the principles of Islamic business ethics, especially from the aspect of the principles of justice, the principle of free will, the principle of responsibility, and the principle of honesty. \u0000Abstrak. Kegiatan transaksi bisnis terkadang memerlukan mediator atau makelar khususnya dalam kegiatan transaksi jual beli pada saat ini juga terjadi pada sector bisnis jual beli mobil bekas melalui media sosial. Pada praktiknya, pihak makelar seringkali tidak transparan dalam menawarkan mobil kepada konsumen dengan tidak memberikan keterangan secara objektif terkait kondisi kendaraan yang sebenarnya, sehingga konsumen merasa dirugikan. Yang mana hal ini terindikasi banyak menimbulkan potensi pelanggaran dari sisi etika bisnis Islam. Berdasarkan hal tersebut, maka penelitian ini bertujuan untuk mengetahui dan menganalisis mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial, dan untuk mengetahui tinjauan etika bisnis Islam pada jasa makelar dalam jual beli mobil bekas melalui media sosial. Metode penelitian yang digunakan adalah deskriptif analitis untuk meninjau sejauhmana tingkat kesesuaian mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial dengan prinsip-prinsip etika bisnis Islam. Hasil penelitian menunjukkan bahwa mekanisme jasa makelar dalam jual beli mobil bekas melalui media sosial khususnya yang terjadi pada akun FB Jual Beli Mobil Bekas Bandung X dilakukan melalui dua cara yang memberi","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"55 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115651479","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 Segmenting, Targeting, dan Positioning terhadap Layanan PTP Lending Fintech Syariah UMKM","authors":"Alisa Qotrunnada, M. A. Ibrahim, I. Wijayanti","doi":"10.29313/jrps.v2i1.2002","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2002","url":null,"abstract":"Abstract. PT. AS is a sharia-based FinTech company. The purpose of this study is to analyze how the implementation of the STP strategy is carried out by PT. AS and analyze the suitability of the 4p mix against the STP analysis that has been applied. With the implementation of STP, it is possible to determine a marketing strategy that is in accordance with the intended target market. The method used in this study uses qualitative methods and a case study research approach. Data collection techniques with interviews and documentation. The results of the study are that the application of segmenting, targeting and positioning of AS has not implemented complete segmentation according to each variable. Segmentation should be adjusted to the most relevant conditions, by classifying variables according to their respective segmentation. In this case, A divides the variables into demographic segmentation only on gender. In addition, psychographic segmenting should be grouped according to the classification of special variables. So that the segmentation implementation strategy can be appropriate in determining the right target. The suitability of the 4P marketing mix is only according to product, place and promotion. The price is not suitable because there is no grouping in the income variable in Demographic Segmenting. \u0000  \u0000Abstrak. PT. AS merupakan perusahaaan FinTech berbasis syariah. Tujuan penelitian ini untuk menganalisis bagaimana penerapan strategi STP yang dilakukan oleh PT. AS dan menganalisis kesesuaian bauran 4p terhadap analisis STP yang telah diterapkan. Dengan adanya penerapan STP dapat menentukan strategi pemasaran yang sesuai dengan target pasar yang dituju. Metode yang digunakan pada penelitian ini menggunakan metode kualitatif dan pendekatan penelitian studi kasus. Teknik pegumpulan data dengan wawancara dan dokumentasi. Hasil penelitian yaitu bahwa penerapan segmenting, targeting, dan positioning AS belum menerapkan segmentasi secara lengkap sesuai dengan variabelnya masing-masing. Seharusnya segmentasi disesuaikan dengan kondisi yang paling relevan, dengan mengelompokkan variabel secara klasifikasi sesuai dengan segmentasinya masing-masing. Dalam hal ini A membagi variabel pada segmenting demografis hanya pada jenis kelamin saja. Selain itu untuk segmenting psikografis seharusnya dikelompokkan sesuai dengan klasifikasi variabel khusus. Agar strategi penerapan segmentasi dapat sesuai dalam menentukan target yang tepat. Kesesuaian bauran pemasaran 4P hanya sesuai pada product, place, dan promotion saja. Untuk price tidak sesuai karena tidak ada pengelompokkan dalam variabel pendapatan pada Segmenting Demografis. \u0000 ","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"45 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130096314","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 Pemotongan Imbalan Nazhir Pengelolaan dan Pengembangan Harta Benda di Wakaf Salman ITB","authors":"Alpiah Trisna Dewi, Ifa Hanifia Senjiati, Zia Firdaus Nuzula","doi":"10.29313/jrps.v2i1.2264","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2264","url":null,"abstract":"Abstract. The review of the Indonesian Waqf Board (PBWI) Regulations and the Statement of Islamic Financial Accounting Standards (PSAK) form the basis for analyzing the practice of cutting a 10% fee at the start of a contract. This study uses a qualitative method with the research object of Wakaf Salman Bandung which applies deductions to nazhir fees. The results of the research are (1) PBWI allows Nazhir to receive operational or administrative costs, allows him to receive compensation from the management and development of waqf up to a maximum of 10% of the net proceeds from the management and development of waqf assets. (2) PSAK explains that nazir has the right to receive a maximum compensation of 10% of the net proceeds. (3) the implementation of the 10% deduction at the beginning of the waqf contract in the Salman Waqf is recognized as an administration fee and does not yet have the results of waqf management. (4) PBWI and PSAK analysis in Wakaf Salman ITB is permissible if it is for operational funds and there is no recognition of the results of management and development of waqf assets. \u0000Abstrak. Tinjauan Peraturan Badan Wakaf Indonesia (PBWI) dan Pernyataan Standar Akuntansi Keuangan Syariah (PSAK) menjadi landasan dalam menganalisis praktik pemotongan biaya 10% di awal akad. Penelitian ini menggunakan metode kualitatif dengan objek penelitian Wakaf Salman Bandung yang menerapkan pemotongan imbalan nazhir. Hasil penelitian adalah (1) PBWI memperbolehkan nazhir menerima biaya operasional atau administrasi, memperbolehkan menerima imbalan hasil pengelolaan dan pengembangan wakaf maksimal 10% dari hasil neto pengelolaan dan pengembangan harta wakaf. (2) PSAK menjelaskan bahwa nazhir berhak untuk mendapatkan imbalan maksimal 10% dari hasil neto. (3) implementasi pemotongan 10% di awal akad berwakaf pada Wakaf Salman diakui sebagai biaya administrasi dan belum memiliki hasil pengelolaan wakaf. (4) analisis PBWI dan PSAK di Wakaf Salman ITB adalah diperbolehkan jika untuk dana operasional serta belum ada pengakuan hasil pengelolaan dan pengembangan aset wakaf.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"61 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-17","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131356490","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 Streaming Film Gratis melalui Telegram berdasarkan Fikih Muamalah dan UU Hak Cipta","authors":"Aljiel Sarah, Mohamad Andri Ibrahin, Intan Nurrachmi","doi":"10.29313/jrps.v2i1.1807","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.1807","url":null,"abstract":"Abstract. Assets in the perspective of muamalah fiqh in terms of their nature have two types, namely those that are material and non-material. Non-material assets include the copyright of a film that has commercial value, so it must be treated as material property. The number of activities to watch movies (streaming) for free on the Telegram application has caused a polemic in the community about its legitimacy. Based on these problems, the purpose of this study is to find out how the practice of streaming free movies via Telegram is from the perspective of fiqh muamalah and to find out how the practice of streaming free movies via Telegram according to Law no. 28 of 2014 concerning Copyright. The research method used is qualitative with a case study approach, using primary and secondary data. The data analysis technique used is descriptive analysis. The results of the study indicate that the practice of streaming movies for free through the Telegram application according to the perspective of Fiqh Muamalah is unlawful or illegal. Then the practice of streaming movies for free through the Telegram application according to the perspective of Law No. 28 of 2014 concerning Copyright, the act is categorized as copying which is a form of copyright infringement in accordance with article 9 paragraph 3 and violates exclusive rights, especially economic rights. \u0000  \u0000Abstrak. Harta dalam persepktif fikih muamalah dari sisi sifatnya memiliki dua jenis yaitu yang bersifat material dan bersifat non material. Harta non material diantaranya adalah hak cipta dari sebuah karya film yang memiliki nilai komersial, sehingga harus diberlakukan sebagaimana harta yang bersifat material. Banyaknya kegiatan menonton film (streaming) secara gratis pada aplikasi Telegram menimbulkan polemik di masyarakat tentang keabsahannya. Berdasarkan permasalahan tersebut, tujuan penelitian ini adalah untuk mengetahui bagaimana praktik streaming film gratis melalui Telegram menurut perspektif fikih muamalah dan mengetahui bagaimana praktik streaming film gratis melalui Telegram menurut Undang-Undang No. 28 Tahun 2014 Tentang Hak Cipta. Metode penelitian yang digunakan adalah kualitatif dengan pendekatan studi kasus, dengan menggunakan data primer dan sekunder dengan Teknik analisis data yang digunakan adalah deskriptif analisis. Hasil penelitian menunjukkan bahwa praktik streaming film secara gratis melalui ‎aplikasi Telegram menurut perspektif Fikih Muamalah hukumnya adalah haram atau tidak sah. Kemudian praktik streaming film secara gratis melalui ‎aplikasi Telegram menurut perspektif UU No 28 Tahun 2014 Tentang ‎Hak Cipta perbuatan tersebut dikategorikan sebagai penggandaan yang merupakan bentuk pelanggaran hak cipta yang sesuai dengan pasal 9 ayat 3 dan melanggar hak eksklusif khususnya hak ekonomi.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116734513","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 Pembiyaan Crowdfunding Syariah pada Aplikasi Qazwa terhadap Peningkatan Kinerja UMKM Bandung","authors":"Rifa Afrilia Rosadi, Eva Misfah Bayuni, I. Wijayanti","doi":"10.29313/jrps.v2i1.2265","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.2265","url":null,"abstract":"Abstract. Sharia funding and financing sources are currently experiencing development, One form of online-based sharia funding is fintech-based sharia crowdfunding financing on the Qazwa application. It is hoped that the existence of a financing facility from the crowdfunding fund will encourage an increase in the financial performance of MSMEs, which is one of the important business sectors in Indonesia. Based on this background, the research focus is formulated in the form of the following questions: What is the level of MSME financial performance in the city of Bandung? How is the implementation of financing through Sharia crowdfunding on the Qazwa application by MSMEs in the city of Bandung? And how does financing through Sharia crowdfunding affect the Qazwa application on the financial performance of MSMEs in the city of Bandung? The research method used is descriptive verification with a quantitative approach. The results showed that the financial performance of MSME actors and financing from crowdfunding funds on the Qazwa application had also been going well and there was an influence on the distribution of financing from sharia crowdfunding funds on the Qazwa application on the variable level of MSME financial performance in the city of Bandung of 6.4%, indicating a high level of influence is still low. \u0000Abstrak. Sumber pendanaan dan pembiayaan syariah dewasa ini mengalami perkembangan. Salah satu bentuk pendanaan syariah berbasis online adalah pembiayaan crowdfunding syariah berbasis fintech pada aplikasi Qazwa. Adanya fasilitas pembiayaan dari dana crowdfunding tersebyr diharapkan dapat mendorong peningkatan kinerja keuangan para pelaku UMKM yang menjadi salah satu sektor bisnis penting di Indonesia. Berdasarkan latar belakang tersebut, maka fokus penelitian dirumuskan ke dalam bentuk pertanyaan berikut: Bagaimana tingkat kinerja keuangan UMKM di Kota Bandung? Bagaimana pelaksanaan pembiayaan melalui crowdfunding Syariah pada aplikasi Qazwa oleh para UMKM di Kota Bandung? Dan bagaimana pengaruh pembiayaan melalui crowdfunding Syariah pada aplikasi Qazwa terhadap kinerja keuangan UMKM di Kota Bandung? Metode penelitian yang digunakan adalah deskriptif verifikatif dengan pendekatan kuantitatif. Hasil penelitian menunjukkan bahwa kinerja keuangan pelaku UMKM dan pembiayaan dari dana crowfunding pada aplikasi Qazwa juga sudah berjalan dengan baik serta terdapat pengaruh penyaluran pembiayaan dari dana crowdfunding syariah pada aplikasi Qazwa terhadap variabel tingkat kinerja keuangan UMKM di Kota Bandung sebesar 6.4% yang menunjukkan tingkat pengaruh yang masih rendah.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122960213","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":"Tinjauan Prinsip Muamalah dalam Transaksi Jual Beli di Marketplace Tokopedia","authors":"Ahmad Ghazi Zhafiirin, Zaini Abdul Malik, Yayat Hidayat","doi":"10.29313/jrps.v2i1.1806","DOIUrl":"https://doi.org/10.29313/jrps.v2i1.1806","url":null,"abstract":"Abstract    Islam is a religion that regulates all lines of our lives, also in the field of muamalah. Muamalah is an important thing to do to fulfill the necessities of life. Muamalah or buying and selling is currently made easy by technology, which can be done online. Marketplaces actually have the same concept as traditional markets, namely providing a place for other people to sell and buyers. The difference in the buying and selling marketplace can be accessed on a computer or device making it easier. One of the most popular marketplaces in Indonesia is Tokopedia. Basically, transactions are permissible as long as they do not violate the principles of muamalah both from pillars, conditions, to additional conditions when buying and selling takes place. In muamalah, a Muslim needs to pay attention to the principles, pillars and conditions of buying and selling so that they are in accordance with Islamic law. The research aims to: 1. Know how to practice buying and selling on the Tokopedia marketplace, 2. Know how to analyze the muamalah principle in transactions on the Tokopedia marketplace. The research was conducted using a qualitative normative approach. The data collection technique was carried out by observing the Tokopedia application and studying the literature. The data analysis technique used is literature study. The results of the study show that when the transaction process is carried out, there are things that meet the principles of Muamalah and there are things that are not appropriate. The same goes for the pillars and terms of buying and selling. There are things that are suitable and not suitable. \u0000  \u0000Abstrak.  Islam adalah agama yang mengatur seluruh lini kehidupan kita, juga di bidang muamalah.   Muamalah merupakan hal yang penting untuk dilaksanakan untuk memenuhi kebutuhan hidup.  Muamalah atau jual beli saat ini dipermudah dengan teknologi yakni dapat dilakukan secara online.  Marketplace sebenarnya mempunyai konsep yang sama dengan pasar tradisional, yaitu menyediakan tempat agar orang  lain dapat berjualan dan adanya pembeli. Perbedaan pada  marketplace jual beli dapat diakses di komputer maupun gawai sehingga lebih memudahkan.  Salah satu marketplace yang diminati di Indonesia adalah  Tokopedia.  Pada dasarnya bertransaksi diperbolehkan selama tidak melanggar prinsip muamalah baik dari rukun, syarat, hingga syarat tambahan ketika jual-beli itu terjadi.  Dalam bermuamalah, seorang Muslim perlu memperhatikan prinsip, rukun dan syarat jual beli agar sesuai dengan syariat Islam.  Penelitian bertujuan untuk: 1. Mengetahui bagaimana  praktik Jual-beli pada marketplace Tokopedia, 2. Mengetahui bagaimana analisis prinsip muamalah dalam bertransaksi di marketpalce di Tokopedia.  Penelitian dilakukan menggunakan pendekatan kualitatif yuridis normatif.  Teknik pengambilan data dilakukan dengan observasi pada aplikasi Tokopedia dan studi literatur. Teknis analisis data yang digunakan adalah dengan studi literatur.  Hasil penelitian ","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114390106","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 Faktor Lingkungan Masyarakat Pada Pemehaman Digital Bank S","authors":"Syifa, Popon Srisusilawati","doi":"10.29313/jrps.v1i2.1587","DOIUrl":"https://doi.org/10.29313/jrps.v1i2.1587","url":null,"abstract":"Abstract. The rapid development and advancement of information technology has led to changes in the activities of human life in various fields, including changes in banking services to digital banking services. The service is intended to improve operational capabilities and service quality for customers. So, Islamic banks are also improving their business strategies to improve their services through digital banking services. Based on this, the public is required to understand the development of digital banking services. This study aims to analyze the influence of community environmental factors on understanding digital banking at Bank S also analyzed the level of understanding of the Jayapura village community towards Bank Sn. In this study using quantitative methods. The results showed that environmental factors had a significant effect on digital understanding in Jayapura village, Cidaun sub-district, Cianjur district. The level of understanding of the community in Jayapura village, Cidaun sub-district, Cianjur district has a low level of understanding, the community does not really understand, based on the two variables, the community's understanding is still in the doubtful category. \u0000Abstrak. Pesatnya perkembangan dan kemajuan teknologi informasi telah menyebabkan perubahan aktivitas kehidupan manusia di berbagai bidang, termasuk perubahan layanan perbankan ke layanan perbankan digital. Layanan tersebut bermaksud agar dapat meningkatkan kemampuan operasional dan kualitas layanan bagi pelanggan. Jadi, bank syariah juga meningkatkan strategi bisnis mereka untuk meningkatkan layanan mereka melalui layanan perbankan digital. Berdasarkan hal tersebut, masyarakat dituntut untuk memahami perkembangan layanan perbankan digital tersebut. Penelitian ini bertujuan untuk menganalisis pengaruh faktor lingkungan masyarakat terhadap pemahaman perbankan digital di Bank S juga menganalisis tingkat pemahaman masyarakat desa Jayapura terhadap digital banking Bank S. Pada penelitian ini menggunakan metode kuantitatif. Hasil penelitian menunjukkan bahwa Faktor ligkungan sangat berpengaruh signifikan terhadap pemahaman digital di desa Jayapura kecamatan Cidaun kabupaten Cianjur. Tingkat pemahaman masyarakat desa Jayapura kecamatan Cidaun kabupaten Cianjur memiliki tingkat tingkat pemahaman yang kurang, masyarakat belum begitu memahami, berdasarkan kedua varibel pemahaman masyarakat masih berada pada kategori ragu-ragu.","PeriodicalId":430259,"journal":{"name":"Jurnal Riset Perbankan Syariah","volume":"36 3","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-12-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132531903","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}