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Tasharruf: Journal Economics and Business of Islam
Published by Institut Agama Islam Negeri Manado
ISSN : 25280317     EISSN : 25280325     DOI : http://dx.doi.org/10.30984/febi
Core Subject : Religion, Economy, Social,
Religion Economics, Econometrics & Finance Social Sciences
Tasharruf: Journal Economics and Business of Islam is a publication forum for scientific journals related to Islamic economics and business (economic journals).
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol 2, No 2 (2017): December" : 5 Documents clear
Pengaruh Pendapatan Pembiayaan Mudharabah terhadap Profitabilitas (ROA) pada PT. Bank Muamalat Indonesia Tbk. Periode 2011-2015 Indah Wahyuningsih
Tasharruf: Journal Economics and Business of Islam Vol 2, No 2 (2017): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i2.529

Abstract

This research is about the influence of financing mudharabahincome of the result of profitability (return on assets) at PT. Bank Muamalat Indonesia Tbk. for period 2011 until 2015. The main problem in this research is how much financing mudharabahincome that calculated by ratio of mudharabahwhich is ratio of mudharabahincome and total revenue sharing income, influencing the profitability that calculated by return on assets (ROA) which is ratio of net income and total assets.             This research has a purpose to describe and explain the influence between financing mudharabahincome with profitability (return on assets) at PT. Bank Muamalat Indonesia Tbk. for period 2011 until 2015.            Research methods used in this research is quantitative descriptive analysis. The data used in this research is secondary data, in the form of financial statement of PT. Bank Muamalat Indonesia Tbk. as the population and the samples consist of quarter financial statement of PT. Bank Muamalat Indonesia that published from 2011 until 2015. The statistic method used to test the research hypothesis is simple regression.             After following the quantitative procedural, the result of this research show that financial mudharabahincome has influence the profitability, which is proved with the significant value is 0,009 that smaller than 0.05. It means that financial musharabahincome has influence the profitability. Keyword        : Mudharabah, Profitability, Return on Assets (ROA)
Influence Student Attitudes toward Learning Outcomes Enterprise Class X in SMK 4 Makassar Sudarmi Sudarmi
Tasharruf: Journal Economics and Business of Islam Vol 2, No 2 (2017): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i2.522

Abstract

This study was conducted to answer the question "whether there is influence entrepreneurial attitudes toward learning outcomes tenth grade students in SMK 4 Makassar". Thus, this study aims to determine the effect of attitudes towards learning outcomes entrepreneurial class X in SMK 4 Makassar. To that end, the results of this study would be useful: (1) Improve learning outcomes by improving students' attitude towards entrepreneurship subjects; (2) as input for all parties involved in the world of education, particularly entrepreneurial subject teachers in improving student learning outcomes; and (3) as a comparison to other researchers for further research purposes.This study is a verification that is correlational, meaning that the data and facts collected from the field is not manipulated, just to test the correctness of the theory as well as to validate the hypothesis, with a total population of 38 people. Data collection techniques used, namely, observation and questionnaires. Analysis of the data used are; Descriptive statistical analysis and statistical analysis infrensial. In analyzing the data using SPSS 20 software.The results showed; partially student attitudes and no significant positive effect on learning outcomes of entrepreneurship students in SMK 4 Makassar. At the significant level α = 0.05 with a regression equation Y = 65 591 + 0.271 X and the coefficient of determination (R2) of 0.085 percent, which means about 8.5 percent of entrepreneurial learning outcomes of students affected by the attitudes of the students, while the remaining 91.5 per cent are affected by other factors not considered in this study. Student attitudes insignificant variable (X) to the entrepreneurial student learning outcomes (Y) can be caused by several factors, one of them is the attitude of students is less enthusiastic in participating in entrepreneurship subjects. This is evident from the lack of attention to students when learning activities take place, this is due to the students' attention is divided for things that have nothing to do with the lessons that certainly can interfere with concentration and attention of students in participating subjects of entrepreneurship. Keywords: Attitudes and Learning Outcomes
Analisis Pembiayaan Murbahah Dan Pengaruhnya Terhadap Tingkat Likuiditas Bank Muamalat Indonesia Cabang Manado Ridwan Ridwan
Tasharruf: Journal Economics and Business of Islam Vol 2, No 2 (2017): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i2.526

Abstract

This research examines the analysis Murabaha, Financing and Its Implication toward the Liquidity of bank Muamalat Manado in order to recognize the development and influences of murabahah towards degree liquidity.This research uses quantitative approach with data collecting technique through documentation and browsing. Techniques of data analysis are analysis of correlation and simple regression.Research findings show financing murabaha from 2007 to 2014 grew significantly, especially in 2011 which reach 55, 54% and in 2012 was at 60, 38%. These are caused by wider recognition of Islamic banks especially financing murabaha product even though the product decreased in 2009. Based on simple regression analysis with 0,193 financing murabaha does not have any influences towards degree of liquidity. Then, population data are 8 (n=8), if financing murabaha increases degree of liquidity deceases and vice versa. So, the relation between financing murabaha and degree of liquidity is not parallel. If confirmed with interpretation table by Suharsimi Arikunto, degree of correlation falls on low category as coefficient interval is between 0,00 and 0,199. Key words: Development, Mudharabah And LiquidityPenelitian ini mengkaji tentang “Analisis Pembiayaan Murabahah dan Pengaruhnya Terhadap Tingkat Likuiditas Bank Muamalat Indonesia Pengaruh”. Untuk mengetahui perkembangan murabahah pengaruh terhadap tingkat likuiditas.             Penelitian ini merupakan penelitian kuantitatif dengan teknik pengumpulan data menggunakan dokumentasi dan browsing yang dilakukan peneliti untuk mendapatkan informasi yang betul-betul akurat. Teknik analisis data yang digunakan adalah teknik analisis korelasi dan analisis regresi sederhana.Hasil penelitian ini menunjukkan bahwa Pembiayaan murabahah dari tahun 2007–2014 mengalami perkembangan yang signifikan terutama pembiyaan murabahah yang dilakukan tahun 2011 mencapai 55,44% dari angka sebelumnya, begitu pula terjadi pada tahun dan 2012 perkembangan pembiayaan murabahah mencapai 60,38% , hal ini disebabkan karena bank syariah semakin dikenal dimasyarakat, terutama pada produk pembiayaan murabahah yang sangat membantu kebutuhan masyarakat, kecuali tahun 2009 mengalami penurunan. Berdasarkan hasil analisis regresi sederhana diperoleh nilai rhitung sebesar 0,193 yang bernilai negarif berarti Pembiayaan Murabahah tidak memiliki hubungan terhadap tingkat likuiditas, kemudian data populasi sebanyak 8 (N=8), bila Pembiayaan Murabahah semakin meningkat maka Tingkat Likuiditas juga mengalami Penurunan dan sebaliknya, jadi dapat dikatakan bahwa hubungan antara Pembiayaan Murabahah dengan tingkat Likuiditas tersebut adalah tidak searah, bila dikonfirmasi dalam tabel interpretasi menurut Suharsimi Arikunto maka tingkat korelasi (hubungan) tersebut berada dalam kategori sangat rendah rendah karena berada dalam interval koefisien antara 0,00 sampai 0,199. Kata Kunci: Perkembangan, Mudharabah, Likuiditas
Pembiayaan Murabahah Dalam Sudut Ekonomi Islam Pada Bank Muamalat Indonesia Cabang Manado Rahmawaty Rahmawaty
Tasharruf: Journal Economics and Business of Islam Vol 2, No 2 (2017): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i2.527

Abstract

Penelitian ini, berbicara praktek pembiayaan murabahah dalam perspektif Ekonomi Islam pada bank Muamalah. Dengan menggunakan penelitian kualitatif.Murabahah mengalami perkembangan: a) awalnya transaksi murabahah tidak melibatkan pihak ketiga, sekarang ini bisa melibatkan pihak ketiga; b) awalnya transaksi murabahah harus menggunakan jaminan, sekarang ini barang pesanan dapat dijadikan sebagai jaminan. Sistem penerapan pembiayaan murabahah merupakan penggunaan dana bank dari pihak ketiga yang disalurkan kepada nasabah. Pembiayaan murabahah yang dilakukan di Bank Muamalat Indonesia Cabang Manado telah sesuai dengan ketentuan hukum perbankan syari’ah. Kata Kunci; Pembiayaan murabahah, Murabahah, Ekonomi Islam Abstract This research discuss the practice on murabaha financing in the Islamic Economy perspective at the Bank of Muamala. This is a qualitative research. Murabaha has developed:a.      Initially the murabaha transaction did not involve a third party; today, it can involve a third party;Initially, murabaha should require warranty, now, ordered goods can be put as warranty. The murabaha financing system is the use of bank find from a third party to customer. Murabaha financing performed by the Bank of Muamala Manado Branch has complied the Sharia Banking regulation.Key words: Murabaha financing, murabaha, Islamic Economy
Relationship Between Tranparancies Of Funding Objectives And Work Ethics Of The Local Government Apparatus In Minahasa Frida Magda Sumual
Tasharruf: Journal Economics and Business of Islam Vol 2, No 2 (2017): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v2i2.528

Abstract

This research aims to discover the relationship between tranparancies of funding objectives and work ethics of the local government apparatus in Minahasa. The public sector development in Indonesia should be followed by research on work ethics concept in order to prepare good apparatus as public duties. This research analyses data quantitatively using non parametric statistic test X2. To simplify the analysis cross tabulation is created so data on the table can be analised to test the hypotheses. This research collects qualitative and quantitave data. Field obsevation is used as data collection instrument. The research finding shows that there is a significant relationship between tranparancies of funding objectives and work ethics of the local government apparatus 0,56 %.  The funding objectives tranparancies determine the size of funding objectives specificly and understood by whom responsible. Government apparatus will react positively and relatively strong to increase the funding objectives tranparancies. Superior leaders can increase job satisfACTION lower job strength and increase fuunding related to work ethics.Keywords: Transparancy Of Funding Objectives, Work Ethics.

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