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All Journal Potret Pemikiran Tasharruf: Journal Economics and Business of Islam
Fitria Ayu Lestari Niu
Institut Agama Islam Negeri (IAIN) Manado
Religion Humanities Economics, Econometrics & Finance Environmental Science Social Sciences

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PEMIKIRAN MUHAMMAD HATTA TENTANG EKONOMI SYARIAH DI INDONESIA Nasruddin Yusuf; Faradila Hasan; Fitria Ayu Lestari Niu
Potret Pemikiran Vol 23, No 1 (2019)
Publisher : Institut Agama Islam Negeri (IAIN) Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/pp.v23i1.973

Abstract

This chapter focuses on Mohammad Hatta's thoughts on Sharia Economics embodied in the 1945 Constitution, namely articles 33 and 34. The method used in this study is library research using a nomative approach. The concepts implicit in these Articles give birth to important points including the concept of Community Economy, where Hatta is very upholding the values of justice and prosperity in society and economic activities must be carried out by all Indonesian people by creating a spirit of kinship, mutual support mutual cooperation and no interference from the colonial nation, this is intended so that the Indonesian people free from the shackles of the invaders. the realization of this People's Economy is in line with the word of Allah in QS. Al-Haysr: 7; QS. Al-Maidah: 120; QS. Al-Humazah; 1-3; QS. Al-Ma’un: 1-7; QS. At-Taubah: 34 and 71Keywords: Mohammad Hatta; 1945 Constitution; Islamic Economics.Tulisan ini fokus pada pemikiran Mohammad Hatta tentang Ekonomi Syariah yang diejawantahkan dalam UUD 1945 yaitu pada pasal 33 dan 34. Metode yang digunakan dalam penelitian ini adalah library research dengan menggunakan pendekatan nomatif. Konsep-konsep yang tersirat dalam Pasal-Pasal ini melahirkan poin-poin penting diantaranya konsep Ekonomi Kerakyatan, dimana Hatta sangat menjunjung tinggi nilai-nilai keadilan serta kemakmuran dalam bermasyarakat dan kegiatan perekonomian harus dilakukan oleh seluruh rakyat Indonesia dengan cara menciptakan semangat kekeluargaan, gotong-royong dan tidak ada campur tangan dari bangsa kolonial, hal ini dimaksud agar rakyat Indonesia terbebas dari belenggu penjajah.  Wujud implementasi Ekonomi Kerakyatan ini sejalan dengan firman Allah SWT dalam QS. Al-Haysr: 7; QS. Al-Maidah: 120; QS. Al-Humazah; 1-3; QS. Al-Ma’un: 1-7; QS. At-Taubah: 34 dan 71Kata kunci: Mohammad Hatta; Undang-Undang Dasar 1945; Ekonomi Syariah.
Implementasi Peraturan Bank Indonesia Tentang Pembiayaan Likuiditas Jangka Pendek Syariah Pada Bank Syariah Mandiri Cabang Manado Fitria Ayu Lestari Niu
Tasharruf: Journal Economics and Business of Islam Vol 4, No 1 (2019): June
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/febi.v4i1.877

Abstract

Using a qualitative method with eksploratory approach, it finds that Mandiri Syariah Bank Branch Manado has implemented a Bank Indonesia Regulation on Liquidity Financing of the Syariah Mandiri Bank Branch Manado, which has not yet been difficult to meet the statutory reserve requirement in rupiah. But this cannot be ignored given the factors that might be questioned regarding the problem of funds in meeting their clear needs which is unpredictable and can be returned to the internal and external. The existence of this regulation can provide solutions to problems such as Islamic banking to obtain financing from Bank Indonesia by fulfilling the requirements set by Bank Indonesia such as providing collateral containing securities and contributions from the Financial Services Authority. Penggunaan metode kualitatif dengan pendekatan eksplorasi, ditemukan bahwa Bank Syariah Mandiri Cabang Manado telah mengimplementasikan Peraturan Bank Indonesia tentang Pembiayaan Likuiditas Jangka Pendek kepada Bank Syariah dengan melakukan sosialisasi dan pelatihan terhadap pihak-pihak yang berkepentingan. Bank Syariah Mandiri Cabang Manado juga belum menghadapi kesulitan dalam memenuhi kewajiban giro wajib minimum (GWM) dalam rupiah. Namun hal ini tidak dapat disepelekan mengingat terdapat faktor-faktor yang mungkin saja dapat berpotensi menjadi risiko adanya kesulitan dana dalam memenuhi kewajibannya yang jelas yang tidak dapat diramalkan dan dihindari baik itu dari intern maupun ekstern. Dengan adanya peraturan ini dapat memberikan solusi terhadap masalah likuditas khususnya pada perbankan syariah untuk mendapatkan pembiayaan dari Bank Indonesia dengan memenuhi persyaratan yang ditetapkan oleh Bank Indonesia seperti memberikan agunan berupa surat berharga dan rekomendasi dari Otoritas Jasa Keuangan
Komparasi Fee Based Income pada Bank Konvensional dan Bank Syariah di Indonesia (Studi Laporan Keuangan) Fitria Ayu Lestari Niu; Youlanda Hasan
Tasharruf: Journal Economics and Business of Islam Vol 4, No 2 (2019): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v4i2.1025

Abstract

Fee-based income which is another operating income is proportional to the banking operational income. The elements of operating income included in the group fee based income are commission and provision income, income from foreign exchange or foreign exchange transactions and other operating income. This study aims to describe the comparison of the acquisition of fee-based income in conventional banks and Islamic banks by using secondary data in the form of financial reports in 2014-2015 which were analyzed for comparison using ananalysis intercompany basis through a descriptive quantitative approach. The results showed that the comparison of fee-based income in the conventional bank group was surpassed by Bank Mandiri, which was able to achieve the highest fee-based income compared to BRI and BNI in the 2014-2018 period. Whereas the sharia bank group was outperformed by Bank Syariah Mandiri with the highest fee-based income compared to BRIS and BNIS in the 2014-2018 period. The acquisition of fee-based income in the conventional bank group compared to Islamic banks was outperformed by Conventional Banks namely Bank Mandiri, which each year significantly won the fee-based income highest. Whereas in the proportion of fee-based income to operating income at conventional banks, Bank Mandiri was still in the first position with the highest proportion of 28.61%, followed by BNI in the second position and BRI in the third position. As for Islamic banks, the average proportion of fee-based income to operating income was also occupied by Bank Syariah Mandiri with a gain of 12.89%, followed by BRIS in the second position with 4.84% and the last BNIS of 3.71%. 
Co-Authors Faradila Hasan Nasruddin Yusuf Youlanda Hasan