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Journal : Jurnal Ilmiah Ekonomi Islam

Analisis Broker Contract Kepengurusan Surat Izin Mengemudi dalam Islamic Framing (Studi Kasus Satpas Polres Demak) Hadi Purnomo; Bayu Tri Cahya; Muhammad Lutfi Kuncoro; Suparwi Suparwi
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (350.028 KB) | DOI: 10.29040/jiei.v7i1.1861

Abstract

Indonesia's bureaucratic administration is quite famous for its complexity. Starting from the procedures it is long and many of them, so the service that is less efficient in serving many people. Nowadays, until technology enters the modern era in driver’s licence management, services are still not optimal, because technology is only limited to being glanced at without being touched and considered to be improved to control service efficiency. Brokers are here to sneak in, offering convenience, speed to prospective driver’s licence applicants, so that transactions can be made between them. However, this incident made it unclear for the community. On the other hand, the actions of brokers are very helpful for driver’s licence applicants in their management. With the phenomenological qualitative methodology, it will be illustrated that the contract exists between the two parties (brokers and service users), because the clarity of a contract is the most important thing to tie cooperation between fellow social beings so that no one is harmed and is not partial. This research was conducted at the Demak Resort Police with a phenomenological approach and using interview data collection techniques, observation and documentation. The results of this study reveal that the contract that exists between the driver’s licence broker and service users in the management of the driver’s licence is the Ijarah Agreement. And this contract transaction is a legal thing. In general, the process of the driver’s licence management mechanism by brokers is haram. Because there is an element of risywah or bribery in the mechanism.
Analisis Tingkat Bagi Hasil Mudharabah: di Tinjau dari Rasio Return on Assets (ROA), Financial to Deposit Ratio (FDR) dan Biaya Operasional dari Pendapatan Operasional (BOPO) (Studi pada Bank Umum Syariah di Indonesia Periode 2014-2018) Bayu Tri Cahya; Rikha Zakiyah; Rukmini Rukmini; Aryanti Muhtar Kusuma
Jurnal Ilmiah Ekonomi Islam Vol 6, No 2 (2020): JIEI, Vol.06, No. 02 Juli 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (880.127 KB) | DOI: 10.29040/jiei.v6i2.1003

Abstract

This study aims to determine the influence of return on assets (ROA), financing to deposit ratio (FDR), and Operating Cost from Operating Income of profit sharing rate for mudharabah deposits. The population in this study is 14 islamic banks in Indonesia and the total sample used is 7 islamic banks. Determination of the sample using nonprobability sampling with technique using purposive sampling with criteria for Islamic banks that issue quarterly financial reports in full in the year 2014-2018. The method of data analysis using multiple regression analysis with SPSS version 23. The results of this study indicate that the variable ROA and BOPO partially have a positive and significant influence on profit sharing rate for mudharabah deposits. While the variable FDR have a negative on profit sharing rate for mudharabah deposits.
Co-Authors A.A. Ketut Agung Cahyawan W Andriani, Asih Aryanti Muhtar Kusuma Aryanti Muhtar Kusuma Asih Andriani Asih Andriani Betania Kartika Muflih Cihwanul Kirom Danang Kurniawan Danang Kurniawan, Danang Dian Palupi Aqim Dita Apriliana Sari Djoko Suhardjanto Dwi Putri Restuti Dwi Putri Restuti Dwi Putri Restuti Eri Vitriani Eskasari Putri Etha Widyarani Farida Rohmah Farida Rohmah Farikatun Nadhifah Fatchan Achyani Fika Sufiana Fitri Handayani Hadi Purnomo Hikmah Endraswati Hikmah Endraswati, Hikmah Ibnu Muttaqin Ika Erlita Inada Rizqy Irma Suryani Lubis Irsad Andriyanto Irsad Andriyanto Ita Akyuna Nightisabha Iwan Fahri Cahyadi Jadzil Baihaqi Jadzil Baihaqi Johan Afandi Lailis Sa’adah Lorena Dara Putri Karsono Makrufah Hidayah Islamiah Miftah Nurul Khaqiqi Muhammad Lutfi Kuncoro Muhammad Soni Salahuddin Muhammad Zaki Muhammad Zaki Mursal Mursal Muslim Marpaung Muzayyidatul Habibah Nadhifah, Farikatun Nafiah, Siti Nila Ayu Kusuma W. Noor Sifah Nur Choridah Nur Kholis Puji Wahyu Hidayanti Putri Rubiana rakhmawati, ita Ratih Paramita Sari Ratih Paramitasari, Ratih Restuti, Dwi Putri Rikha Zakiyah Riyan Adni Rizki Fauriza Agustina Rukmini Rukmini S Surepno Saidatul Munawwaroh Salma Badriyah Sari, Dita Apriliana Siti Amaroh Siti Nafiah Sufiana, Fika Suparwi Suparwi Suparwi Suparwi Suparwi Suparwi Surepno Surepno Syahrina Nurmala Dewi Syahrina Nurmala Dewi, Syahrina Nurmala Syamsudin Syamsudin Syamsudin Syamsudin Syarif Hidayatullah Ulfiyatul Jannah Umi Hanifah Umi Hanifah Umi Hanifah Umi Hanifah Uswatun Khasanah Uswatun Khasanah Vitriani, Eri Wahyono Wahyono Waluyo Waluyo Widi Savitri Andriasari Widi Savitri Andriasari Widi