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All Journal Jurnal Diskursus Islam SEIKO : Journal of Management & Business Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi)
Muslimin H. Kara
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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NILAI FALAH PADA KEARIFAN LOKAL DALAM PERDAGANGAN PERBATASAN INDONESIA-MALAYSIA Budi Iswanto; Muslimin H. Kara; Amiruddin Amiruddin; Moh. Sabri AR
Jurnal Diskursus Islam Vol 5 No 2 (2017): August
Publisher : Pascasarjana UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jdi.v5i2.7027

Abstract

The aim of this essay is to analyze the influence of falah value in culture and local wisdom trade of Sambas  in Malay Temajuk people. Then we will find a tremendous fact, that our culture and local wisdom has an falah value. Talking about culture, culture is something very important in a society, because culture is an identity. Culture makes a society different with the other society. In a society, culture has a value, but it different in every societies, because it is influence by society background. Temajuk culture is different with Arabic culture. Arabic culture influnce by desert, so they live in hard life, that is completely different with Temajuk life because they live in fertile area. Fertile area will create a tremendous culture, namely local wisdom. Local wisdom in a society could influenced by religion. In Temajuk, local wisdom was influenced by Islamic value. It happened, since Islam had becomed a majority that influenced every people in our society. Further, Temajuk had a local wisdom trade than it was combined with Islam, especially Islamic value. It made a trade culture has Falah value.
SOCIETY’S EMPOWERMENT THROUGH THE UTILIZATION OF PRODUCTIVE ZAKAT AT DOMPET DHUAFA AMIL ZAKAT INSTITUTION OF SOUTH SULAWESI Syarifa Raehana; M. Nasir Hamzah; Muslimin H. Kara; Amiruddin K.
Jurnal Diskursus Islam Vol 10 No 2 (2022): August
Publisher : Program Pascasarjana, UIN Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/jdi.v10i2.31524

Abstract

The main problem of this research is how to empower society through utilizing productive zakat at the Dompet Dhuafa Amil Zakat institution of South Sulawesi. This study classifies the main issue into three problems: (1) What is productive zakat utilization in the Dompet Dhuafa Amil Zakat institution of South Sulawesi? (2) What factors influence society empowerment through utilizing productive zakat in Dompet Dhuafa Amil Zakat institution of South Sulawesi? And (3) The impact of the utilization of productive zakat at Dompet Dhuafa Amil Zakat institution of South Sulawesi on Society Empowerment. The approach used in this study was qualitative descriptive in terms of Case study. The results of this study were; First, the form of productive zakat utilization carried out by Dompet Dhuafa Amil Zakat institution of South Sulawesi, namely 1). Surplus Zakat Budget; refers to Amil’s zakat funds as companies’ funding by making mustahik zakat as workers. 2) In-Kind; refers to zakat funds given in the form of production tools used by mustahik to run a productive business. 3). Revolving Fund; it refers to the utilization of zakat by providing loan funds to mustahik in the form of qardhul hasan or benevolent loans.
Komparatif Pertumbuhan Pembiayaan Pada Bank Umum Syariah Ditinjau dari Penggunaanya Suharli Suharli; Muslimin H. Kara; Gagaring Pagalung
SEIKO : Journal of Management & Business Vol 5, No 2 (2022): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i2.2079

Abstract

Abstrak Bank Syariah menyalurkan dana pembiayaan berdasarkan penggunaannya melalui pembiayaan modal kerja yang diberikan kepada Usaha Mikro, Kecil dan Menengah (UMKM), pembiayaan investasi dan pembiayaan konsumsi. Tujuan penelitian ini adalah untuk menguji perbedaan pembiayaan modal kerja, pembiayaan investasi dan pembiayaan konsumsi pada Bank Umum Syariah sebelum dan setelah pandemi Covid sehingga dapat diketahui apakah perbedaan tersebut signifika atau tidak. Penelitian ini merupakan pendekatan kuantitatif. Sasaran penelitian terkait dengan Pembiyaan berdasarkan penggunaannya di Bank Umum Syariah sebelum dan selama pandemi Covid. Subjek penelitian adalah data laporan posisi keuangan bulanan tahun 2019 dan 2020 pada Bank Umum Syariah yang di kumpulkan melalui statistik perbankan Syariah pada website OJK. Teknik analis menggunakan uji Beda t Test dengan jenis pengujian Paired Samples T Test yakni membandingkan data sebelum pandemi Covid (2019) dengan data selama pandemi Covid (2020). Hasil penelitian menemukan bahwa pandemi covid 19 memberikan dampak positif pada kenaikan pembiayaan modal kerja, pembiyaan investasi dan pembiayaan konsumsi secara signifikan. Kata Kunci: Pembiayaan Modal Kerja, Pembiayaan Investasi, Pembiayaan Konsumsi, Pandemi Covid. Abstract Sharia Banks channel financing funds based on their use through working capital financing provided to Micro, Small and Medium Enterprises, investment financing and consumption financing. The purpose of this study was to examine the differences in investment financing and consumption financing at Islamic Commercial Banks before and after the Covid pandemic so that it can be seen whether the difference is significant or not. This research is a quantitative approach. The research target is related to Financing based on its use in Islamic Commercial Banks before and during the Covid pandemic. The research subject is data on monthly financial position reports for 2019 and 2020 at Islamic Commercial Banks collected through Islamic banking statistics on the OJK website. The analysis technique uses the Difference t Test with the Paired Samples T Test type, which is to compare data before the Covid pandemic (2019) with data during the Covid pandemic (2020). The results of the study found that the COVID-19 pandemic had a positive impact on increasing working capital financing, investment financing and consumption financing significantly. Keywords: working capital financing, investment financing, consumption financing, pandemic Covid
Eksponential Smoothing Model untuk Mengintensifkan Dana Pihak Ketiga Bank Umum Syariah Ahmad Nouruzzaman; Muslimin H. Kara; Gagaring Pagalung
SEIKO : Journal of Management & Business Vol 4, No 2 (2021): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i2.2078

Abstract

Abstrak Pertumbuhan setiap bank sangat dipengaruhi oleh perkembangan kemampuannya menghimpun dana masyarakat. Meramalkan pertumbuhan dana pihak ketiga dimaksudkan untuk memprediksi nilai penjualan yang diharapkan selama periode waktu tertentu dan memberikan informasi kepada bank syariah untuk mengembangkan strategi pemasaran yang intensif. Penelitian ini menggunakan analisis deskriptif untuk mengetahui gambaran umum terhadap dana pihak ketiga, kemudian dilakukan peramalan untuk memprediksi dana pihka ketiga yang akan datang menggunakan metode Holt Winter’s Exponential Smoothing. Data diperoleh dari statistic perbankan Syariah januari 2018 sampai dengan desember 2020. Dengan metode ini selain dapat memprediksi dana pihak ketiga mendatang (januari sampai desember 2021) dan untuk mengetahui akurasi/ketepatan dalam peramalannya menggunakan nilai MAPE (Mean Absolute Precentage Error). Hasil penelitian menunjukkan Dana Pihak Ketiga baik giro wadiah dan tabungan wadiah meningkat walaupun terjadi Pandemi Covid karena kerpercayaan nasabah pada bank Syariah. Hasil peramalan menemukan DPK investasi NPS baik tabungan, giro dan deposito mengalami penurunan hingga akhir 2021. Kata Kunci: Dana Pihak Ketiga, Giro, Tabungan, Deposito, Exponential Smooting Abstract The growth of each bank is strongly influenced by the development of its ability to collect public funds. Forecast the growth of third party funds to predict the expected sales value over a certain period of time and provide Islamic banks to develop intensive marketing strategies. This study uses descriptive analysis to find out the general picture of third party funds, then forecasting is carried out to predict future third party funds using the Holt Winter's Exponential Smoothing method. Data obtained from Islamic banking statistics from January 2018 to December 2020. With this method, apart from being able to predict future third party funds (January to December 2021) and to find out the accuracy/accuracy in forecasting using the MAPE (Mean Absolute Precentage Error) value. The results showed that Third Party Funds, both wadiah current accounts and wadiah savings, increased despite the Covid pandemic due to customer trust in Islamic banks. Forecasting results found that NPS investment deposits, both savings, current accounts and time deposits, decreased until the end of 2021. Keywords: Third Party Funds, both, current accounts,deposits
RASIO KECUKUPAN MODAL BANK SYARIAH: ANTARA MITIGASI DAN EFISIENSI An Ras Try Astuti; Gagaring Pagalung; Muslimin H. Kara
Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi) Vol 6 No 1 (2022): Edisi Januari - April 2022
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v6i1.1798

Abstract

Investor diharapkan mendapatkan informasi yang valid terkait kondisi keuangan perbankan syariah di Indonesia, olehnya paper ini perlu meninjau kaitan CAR dan OEOI dengan ROE pada perbankan syariah di Indonesia. Populasi dari 14 Bank Umum Syariah yang terkumpul di Bursa Efek Indonesia tahun 2020, berdasarkan kriteria sampel sebanyak 2 bank yakni Bank Panin Dubai Syariah dan Bank Tabungan Pensiun Nasional Syariah. Hasil uji mendapatkan CAR tidak memiliki efek pada ROE di Bank Panin Dubai Syariah, sementara Bank Tabungan Pensiun Nasional Syariah CAR memiliki efek pada ROE. Kemudian OEOI memiliki efek negative pada ROE baik di Bank Panin Dubai Syariah maupun di BTPN Syariah.
KECURANGAN : ANTARA KETAATAN SYARIAH DAN TATA KELOLA Asbi Amin; Gagaring Pagalung; Muslimin H. Kara
Jurnal Ilmiah MEA (Manajemen, Ekonomi, & Akuntansi) Vol 6 No 1 (2022): Edisi Januari - April 2022
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v6i1.1799

Abstract

Rendahnya tingkat ketaatan dengan prinsip-prinsip syariah menawarkan kemungkinan bank-bank Islam bertindak curang. Studi ini ingin meninjau pengaruh ketaatan Syariah yakni Islamic Income Ratio (IsIR), Profit Sharing Ratio (PSR) dan Zakat Performance Ratio (ZPR) terhadap fraud kemudian Islamic Corporate Governance (ICG) terhadap kecurangan. Metode kuantitatif dengan populasi laporan keuangan Bank Umum Syariah yang diterbitkan periode 2015, 2016, 2017, 2018, 2019, 2020 dengan teknik Purposive Sampling ditetapkan jumlah sampel adalah 6 Bank Umum Syariah dan 6 periode laporan keuangan sehingga jumah data adalah 36 data. Data dianalisis regresi logistic dan diolah dengan bantuan software eviews 12. Hasil penelitian menemukan IsIR dan PSR tidak berpengaruh terhadap fraud. Sementara ZPR positif signifikan berefek pada fraud dan ICG negatif signifikan berefek pada fraud.
Disfunction of Wakalah Contract in Murabahah Financing of Sharia Banking in Indonesia Muh. Shadiqul Fajri AF; Gagaring Pagalung; Muslimin H. Kara
SEIKO : Journal of Management & Business Vol 5, No 1 (2022): January - Juny
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v5i1.1331

Abstract

Murabahah financing is the most dominant financing product in Islamic banking entities in Indonesia. Several factors make murabahah financing more dominant than other financing products, including; First, the murabahah financing scheme is simpler so that it is easier for the public to understand. Second, the amount of profit margin can be known at the beginning of the contract and is fixed until the financing period ends. The application of murabahah financing in Islamic banking in Indonesia uses the murabahah bil wakalah scheme. This study uses a descriptive-qualitative method with a normative theological approach using field research techniques that focus on the flow of the murabahah bil wakalah financing process. The results showed that there was an error in the application of the murabahah bil wakalah scheme where the murabahah and wakalah contracts were signed and agreed upon in the same assembly. This of course violates the rules in muamalah fiqh which makes a murabahah (buying and selling) contract turn into a qardh (debts) contract. So, the real transaction that occurs between the Islamic banking party and the customer is a debt-receivable contract transaction, not a sale and purchase agreement.
Co-Authors Ahmad Nouruzzaman Amiruddin . Amiruddin K. An Ras Try Astuti Asbi Amin Budi Iswanto Gagaring Pagalung M. Nasir Hamzah Moh. Sabri AR Muh Shadiqul Fajri AF Suharli Syarifa Raehana