{"title":"ANALISIS SEJARAH PERKEMBANGAN BANK SYARIAH DAN IMPLIKASINYA TERHADAP KESEJAHTERAAN MASYARAKAT (STUDI KASUS DI BANK PEMBIAYAAN RAKYAT SYARIAH PATRIOT)","authors":"Anto Apriyanto, Arief Budiyanto","doi":"10.53990/djei.v1i2.72","DOIUrl":"https://doi.org/10.53990/djei.v1i2.72","url":null,"abstract":"It’s aimed at addressing and knowing how closely the city’s relationship to Bekasi is as the struggle of Islam ists with the development of the finance society of shari, and it also relates the patriots Bank Pembiayaan Rakyat Syariah as the local shite financial institution that is capable of creating the Bank Pembiayaan Rakyat Syariah Patriot from since it was established and its implications irritated by the people of Bekasi, the study focused mode and more on the problems related to the Islam ics development history analysis of Bekasi and its implications for the public ‘s welfare (case study in Bank Pembiayaan Rakyat Syariah Patriot Bekasi) A mini research process uses qualitative research by extracting primary data sources through media interviews and direct surveys of data respondents or objective and secondary data, by reading books that can support discussions. And research for the city of Bekasi in the struggle of the muslims is the Islam ic warrior city it is not strange that the establishment of Bank Pembiayaan Rakyat Syariah is a reflection of the love of the financial institutions of Bekasi, so that the clove people can reduce the existing Bank Pembiayaan Rakyat Syariah of the patriot as the economy in the from of the growth in the economy in the from of the city and Bank Pembiayaan Rakyat Syaraih of the Patriot Bank Pembiayaan Rakyat Syariah has contributed to the growth of demurrity with various designed programs, weather by capitulation of mifid, and other such as mustofa the development of the economics growth of the Bekasi","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124952123","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 PEMBIAYAAN MURABAHAH DAN PEMBIAYAAN IJARAH MULTIJASA T ERHADAP PROFITABILITAS BPRS PATRIOT BEKASI","authors":"Mufid Habib Mustofa, Givi Efgivia, Nurhikmah Alfath","doi":"10.53990/djei.v1i1.39","DOIUrl":"https://doi.org/10.53990/djei.v1i1.39","url":null,"abstract":"BPRS (Bank Pembiayaan Rakyat Syariah Patriot Bekasi is financial institution thatdistribute and collect the fund. Bank Pembiayaan Rakyat Syariah Patriot Bekasiprefers to provide in micro, small and medium enterprises. The purpose of this study is to analyze the effect of financial in Bank Pembiayaan Rakyat Syariah Patriot Bekasi, Murabahah, Ijarah multijasa, on profitability of the Bank Pembiayaan Rakyat Syariah Patriot Bekasi. This research uses quantitative methods with secondary data. The data collection techniques used are literature study and documentation secondary data retrieved from monthly reports of statistical perbankan syariah which can be accessed through the official website of OJK and BI. The result of research using secondary data noted there if F-3,3550 smaller and ijarah multijasa have no effect on profitability PT Bank Pembiayaan Rakyat Syariah Patriot Bekasi, with R2of 50,40% and the remaining 49,6% is affected by other products.Keywords :Murabahah, Ijarah Multijasa, Profitabilitas, Bank Pembiayaan RakyatSyariah Patriot Bekasi","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"122 2","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113980698","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 PEMBIAYAAN MUSYARAKAH dan MURABAHAH TERHADAP PENDAPATAN PADA BPRS (BANK PEMBIAYAAN RAKYAT SYARIAH PATRIOT) BEKASI","authors":"M. G. Elgivia, Mufid Habib Mustofa, H. Harun","doi":"10.53990/djei.v1i1.40","DOIUrl":"https://doi.org/10.53990/djei.v1i1.40","url":null,"abstract":"The study aims to measure and find out how big an influence of musyarakah financing and murabahah financing to the revenue at BPRS (Bank Pembiayaan Pembiayaan Rakyat Syariah) Patriot Bekasi the year 2006-2015. This study uses multiple regression techniques which first learned of the requirement is made to know in order to be eligible. Variables t-hitung value of obtained musyarakah 1.942 with ttabel registration 2.36 so because the value –thitung - ttable is 1.942-236 so that H1 is accepted which means that partially musyarakah influence variables significantly to revenue. To the second hypothesis, namely that the values obtained murabahah variable thitung of 0.313 with ttable of 2.36 so because the value thitung ttable is 0.313 2.36 so Hois accepted which means that partially variable murabahah is not influential significant;y to revenue. From result of research using secondary data noted that there is significant influence F=8.273 more than Rtable=4.26 so that in the research of the influence F=8723 more than Rtable 4.26 so that in the research of the influence of musyarakah and murabahah positively impact revenue Bank Pembiayaan Rakyat Syariah Patriot Bekasi , with R2 of 40% and the remaining 60% is affected by other product.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123393341","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":"PENGELOLAAN WAKAF UANG TUNAI PADA LEMBAGA DARUT TAUHID (DT) PEDULI KOTA SUKABUMI","authors":"Wahyuni Abdun, Totoh Abdurohman","doi":"10.53990/djei.v1i2.73","DOIUrl":"https://doi.org/10.53990/djei.v1i2.73","url":null,"abstract":"This study is intended for getting information about the strategy of developing cash waqf at the institution of Daarut Tauhiid Peduli, Sukabumi. Another purpose was also to find out the law of cash waqf in the view of muamalah fiqih and the law based on the fatwa of Indonesian Ulama Council (MUI). The techniques of data collection for this study were interviews conducted direct communication, and also by phone. The method of analysis was descriptive analysis which is qualitative research. Also, the researcher made a complex view of the respondents based on the real situation. The results indicate there was a considerable positive influence in society, so that it can create the enthusiasm of the community for waqf with cash.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131194442","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":"RISIKO HUKUM DALAM PERJANJIAN PEMBIAYAAN MURABAHAH DI PERBANKAN SYARIAH","authors":"Eriandi Eriandi","doi":"10.53990/djei.v1i2.74","DOIUrl":"https://doi.org/10.53990/djei.v1i2.74","url":null,"abstract":"The aim of this research is to analyze the law risk in murabahah agreement in syaria banking. From its approach, this research was the normative juridical, which the research based on the literature study to get the secondary data in law areas and also to do the literature research to complete document received from the literature. The summary of this research was the law risk of murabahah agreement existed. This caused by the agreement have not fulfilled yet the syaria principle because in the agreement, the selling prices based on the total payment not form the historical prices from the products bought from the consumer which had potential risk of usury.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130772158","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-FAKTOR YANG MEMPENGARUHI NASABAH NONMUSLIM MEMILIH BANK SYARIAH DAN IMPLIKASINYA TERHADAP STRATEGI PEMASARAN (Studi Kasus Pada PT Bank Syariah Mandiri)","authors":"Puti Khairani Rijadi, S. Anwar","doi":"10.53990/djei.v1i2.76","DOIUrl":"https://doi.org/10.53990/djei.v1i2.76","url":null,"abstract":"Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi nasabah non Muslim memilih Bank Syariah Mandiri, serta implikasinya terhadap strategi pemasaran. Metode yang dipakai dalam penelitian ini dengan menggunakan kuesioner dari Google Survey untuk analisis faktor. Setelah itu data diolah dengan menggunakan SPSS 22, dan untuk strategi pemasaran Bank Syariah Mandiri menggunakan Analisis SWOT. Berdasarkan hasil penelitian diperoleh faktor-faktor yang mempengaruhi nasabah non Muslim memilih Bank Syariah Mandiri, yaitu: 1) faktor syariah, 2) faktor promosi, 3) faktor lokasi, 4) faktor produk, 5) faktor harga, 6) faktor SDM, 7) faktor proses, dan 8) faktor fisik. Adapun faktor yang paling dominan adalah faktor syariah, yaitu adanya larangan atas bunga karena termasuk riba dan tidak adil. Strategi yang harus diterapkan adalah menggunakan kekuatan untuk memanfaatkan peluang jangka panjang dengan cara strategi diversifikasi (produk atau pasar).","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126678870","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 PEMBIAYAAN MUSYARAKAH DAN MURABAHAH TERHADAP TINGKAT PROFITABILITAS PADA PT. BANK BUKOPIN SYARIAH PERIODE 2008 – 2017","authors":"Givi Efgivia, Mufid Habib Mustofa, Restini Sawidia","doi":"10.53990/djei.v1i2.71","DOIUrl":"https://doi.org/10.53990/djei.v1i2.71","url":null,"abstract":"This thesis aiming is to determinate in how much influence Musyarakah and Murabahah agreement in Islamic bank financing against the profitability of Islamic bank. This thesis used PT Bank Bukopin Syariah Tbk profitability period 2008-2017. Data from the financial statement is taken from the publication of the report issue from the website of the bank and Indonesian financial official website (OJK). Mechanical of data management is using multiple linear and data description, while proving the hypothesis parsial","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129303771","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":"PERAN LEMBAGA AMIL ZAKAT, INFAK dan SEDEKAH MUHAMMADIYAH (LAZISMU) DALAM PEMBERDAYAAN EKONOMI MUSTAHIK PERIODE 2016-2018","authors":"Wahidin Musta’in Billah, Mufid Habib Mustofa, Khalimi Khalimi","doi":"10.53990/djei.v1i1.43","DOIUrl":"https://doi.org/10.53990/djei.v1i1.43","url":null,"abstract":"Empowerment is a standard of living that is desidered for all people, especially those in the middle to lower category or commonly known as the poor. One of the zakat collecting, Management, and Collection Institutions that has tried to deal with poverty is the Mustahik economic empowerment program implemented by one of the programs called the establishment of 1000 MSME (Micro Small and Medium Enterprises) under the auspices of the Muhammadiyah central board of Muhammadiyah. Mustahik economy after the program. This research focuses on one problem, namely: what are the supporting and inhibiting factors of LAZISMU Muhammadiyah central leadership in the implementation and improvement of the mustahik economy. This type of research is a qualitative study, while the specifications of this study are based on observations, interviews and documentation obtained when conducting activities in the field (field research). The result of this study are first, an increase in house should income, second, an increase in the accumulation mustahiq 1000 MSME Programs, including:first, Strengthening the characters of business, training and motivation to trade, second, guidance and assistance in running the Micro, Small, and Medium Enterprises. Supporting factors in the implementation and improvement of the mustahik economy is that there is a clear guideline concept on employee loyalty, very high companion program loyalty and capital and donors available so that the program can run. While the inhibiting factors are limited capital from available zakat funds, uneven level of education among MSME members, difficulty in finding donors because LAZISMU Muhammadiyah central leadership is not in accordance with the program that is expected of donors, there is no responsibility from mustahiq members and there are financial reports lack of openness (transparency) regarding fund management which explains the source of funds collected and some funds channeled.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"125 10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125026642","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}
Givi Elgivia, Wahidin Musta’in Billah, D. Wulandari
{"title":"PENGARUH PEMBIAYAAN AKAD MUSYARAKAH DAN AKAD IJARAH TERHADAP TINGKAT KEUNTUNGAN PERSEROAN TERBATAS BANK PEMBIAYAAN RAKYAT SYARIAH MANDIRI PERIODE 2003-2017","authors":"Givi Elgivia, Wahidin Musta’in Billah, D. Wulandari","doi":"10.53990/djei.v1i1.42","DOIUrl":"https://doi.org/10.53990/djei.v1i1.42","url":null,"abstract":"This Study analyze the effect of musyarakah financing and ijarah financing on profitability level at Bank Mandiri Syariah by using ROA ( Return on Asset)ratio. The research method used is descriptive research of quantitative approach anc case study at Bank Syariah Mandiri. The type of data obtained from this research is secondary data based on the result of the financial report of Bank Syariah Mandiri linked and through the website www.ojk.go.id Analyzer used in multiple linear regression analysis. The sampling technique used was purposive sampling. The sample has 15 accounting reports that meet the determined criteria. Through fifteen years of observation period starting from the year 2003 to 2017 the unit of analysis obtained is a financial statement of an accounting report. The research variable consisted of independent variables in the form of musyarakah financing (X1), Ijarah financing (X2), and influence to profitability level (Y). These variables were tested with multiple linear regression analysis with 5% if significance level. Analysis technique data used is partial statistical analysis (Ttest) and Simultaneous statistical analysis (Ftest). The result of this research indicated that Musyarakah financing and Ijarah financing did not partially have an effect on profitability with the Tcount value of 3,987 Musyarakah financing and 2,343 Ijarah financing. the result simultaneous by F test is known that simultaneously Musyarakah financing and Ijarah financing does no effect the stock price with the value Fcount value of 8,419 which is lower than Ftable score 3,81","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"13 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127897934","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}
M. G. Elgivia, Mufid Habib Mustofa, Maya Insa Fiana
{"title":"PENGARUH PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP TINGKAT PROFITABILITAS PADA PT BANK MUAMALAT INDONESIA Tbk. PERIODE 2008 – 2017","authors":"M. G. Elgivia, Mufid Habib Mustofa, Maya Insa Fiana","doi":"10.53990/djei.v1i1.41","DOIUrl":"https://doi.org/10.53990/djei.v1i1.41","url":null,"abstract":"Financial Institutions In Particular The Banking Sector Is A Community Institution Expected To Be Able To Control The Economic Wheel. Countries Of Indonesia As A State That The Majority Of Islamic Religion Has Longly Taken The Presence Of The Financial Institution System Which According To The Needs Of The Needs Is Not Financial, But Also The Morality Demands. Islamic Bank. Methods Used In Writing Reports Final This Is Using Analysis Descriptive, Where The Method Of Data Collection To Do With How To Give A Snapshot, Explanation Systematic, Factual And Accurate To Object That Is The Subject Issues Is The Effect Of Financing Mudharabah And Musyarakah On The Level Of Profitability In Pt. Bank Muamalat Indonesia Tbk Period 2008 – 2017 Based On These Research Results Show The Value Of Determination Coefficients (R2) That Financing Mudharabah And Musyarakah Gives 40% Diversity To The Profitability Level, As Well As A 60% Rate, Is Affected By Other Factors Not Observed In This Research.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127402700","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}