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Dimensi politik hukum dalam perkembangan ekonomi Islam di Indonesia Bambang Iswanto
Ijtihad : Jurnal Wacana Hukum Islam dan Kemanusiaan Vol 14, No 2 (2014)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijtihad.v14i2.271-284

Abstract

This study aims to describe the history of recent Islamic economic development in the correlation to politics as a sought to formulated some Islamic economic laws. This qualitative study is an exploratory- analysis. It intended to analyze the position of Islamic economic in Indonesian’s system of law, so it will found the clear description of the implementation of Islamic economic laws in Indonesia. It is a library research. The study found that it is important to found the frame of the development of the products of Islamic economic law at the both period; i.e. New Order and Reformation Era. The concept of Islamic economy is still dominated by the application of Islamic principles in the areas of finance, especially banking. This dominance is not supposed to leave the Islamic economic instruments. In this respect, it associated with the political and legal product, then all the aspects and the Islamic economic instruments should be viewed comprehensively. Tulisan ini akan menguraikan mengenai sejarah ekonomi Islam modern dan keterkaitannya dengan politik dalam upaya merumuskan berbagai hukum ekonomi Islam. Penelitian kualitatif ini merupakan studi exploratory-analysis. Pendekatan ini dimaksudkan untuk menganalisis posisi ekonomi Islam dalam tata hukum Indonesia sehingga akan dapat diperoleh gambaran bagaimana bentuk implementasi ekonomi Islam di Indonesia. Penelitian kepustakaan ini menemukan urgensi untuk menemukan kerangka pengembangan produk hukum ekonomi Islam pada dua periode yang ada yaitu Orde Baru dan Era Reformasi. Konsep ekonomi Islam masih didominasi dengan penerapan prinsip Islam dalam bidang keuangan terutama perbankan. Dominasi ini tidak seharusnya melupakan instrumen ekonomi Islam lainnya karena jika dikaitkan dengan politik dan produk hukum, maka semua aspek dan instrumen ekonomi Islam tersebut harus bisa dilihat secara komprehensif.
ANALYSIS OF JUDGES' DECISIONS REGARDING DIVORCE CASES WITH DIGITAL EVIDENCE IN THE SAMARINDA RELIGIOUS COURT Delvina Tri Agustin; Bambang Iswanto; Nur Syamsi
Al-Qalam Vol 28, No 2 (2022)
Publisher : Balai Penelitian dan Pengembangan Agama Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31969/alq.v28i2.1146

Abstract

The legal force of digital evidence submitted by litigants in divorce hearings in religious courts is the background for this research. The method used in this study is normative legal research with a normative analytical juridical approach to judges' decisions in divorce cases as the object of research. So that researchers can answer problems by conducting literature research from relevant legal sources.The judge's consideration in deciding the case is in the law relating to Marriage, the stages of the trial procedure, the legal basis of the case, the legal basis for evidence, the legal basis for the reason or cause of divorce, and the legal basis for the authority of the judge. Meanwhile, the position of digital evidence itself as one of the evidence of confessions that is stamped and used by the judge as the main case for the cause of divorce.The judge did not use Law No. 11 of 2008 on electronic information on digital evidence but focused on Jurisprudence which gave birth to rules on the examination of divorce on the grounds of Article 19 letter (f) of Government Regulation No. 9 of 1975 jo Article 116 of the Compilation of Islamic Law, where the doctrine that must be applied in divorce cases is not "Matri Monial Guilt" but "Broken Marriage" or precisely the outbreak of the household "Az-Zawwaj Al-Maksuroh"  so that the court does not focus on whose faults are the triggers for the dispute, but emphasizes the condition of the household itself.
Factors Influencing the Amount of Mudarabah Savings Deposit in Public Sharia Banks Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol. 6 No. 2 (2022): IJIBEC VOL. 6 NO. 2 DECEMBER 2022
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.6288

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah di Indonesia. Pendekatan dalam penelitian ini adalah kuantitatif asosiatif yang menggunakan metode Analisis Regresi Linier Berganda dengan pengujian sampel yang digunakan berasal dari 12 bank yang berada di Indonesia berdasarkan laporan bulanan Bank Umum Syariah mencakup tahun 2017 hingga 2021. Hasil penelitian menunjukkan bahwa, tingkat suku bunga bank umum tidak berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah bank umum syariah, nilai tukar rupiah, bagi hasil deposito dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah Bank Umum Syariah, tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara simultan terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah.
East Kalimantan Madrasah Teachers’ Perception of Religious Moderation Anwaril Hamidy; Yunita Noor Azizah; Bambang Iswanto
Southeast Asian Journal of Islamic Education Vol 4 No 2 (2022): Southeast Asian Journal of Islamic Education, June 2022
Publisher : Faculty of Education and Teacher Training of UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/sajie.v4i2.4935

Abstract

Efforts to strengthen religious moderation in the madrasah environment are strongly influenced by the madrasah teacher's perception of religious moderation. It relates to the extent of the socialization of religious moderation to madrasah teachers. The study aims to describe the socialization of religious moderation to madrasah teachers in East Kalimantan and their perceptions of the importance of religious moderation for students. An online survey was conducted of 73 madrasah teachers in East Kalimantan. The survey consists of two close-ended questions and one open-ended question. The answers of close-ended questions were processed and presented descriptively. The answers of open-ended questions were analyzed through the stages of reduction, data presentation and conclusions. The results showed that the majority of respondents (78%) have participated in socialization about religious moderation. Most respondents (91%) also agree that religious moderation is important for students. The reasons for the importance of religious moderation for students are to foster student tolerance, maintain the integrity of the nation, prevent extreme religious attitudes, adequate to the needs of the era, part of the obligatory of Allah SWT and so that students do not dichotomize between religious knowledge and general science. Even so, there are still teachers who doubt the importance of religious moderation for students. Therefore, efforts are needed to strengthen sustainable religious moderation in order to realize a common perception of religious moderation in the madrasah environment.
Financial Performance of Bank Syariah Indonesia (BSI) Before and After Merger Bambang Iswanto; Siti Alawiyah; Kokom Komariah; Idhafiyyah Anwar
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 13, No 2 (2022): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v13i2.178-193

Abstract

As mergers can play a crucial role in enabling sharia banks to withstand intense competition, assessing their financial performance before and after a merger can provide valuable insights.. Therefore, this study analyzes the financial performance before and after the merger at Bank Syariah Indonesia. In analyzing the data, the comparative descriptive method was used by comparing the financial statements and the Good Corporate Governance report of Bank Syariah Indonesia for one year. The Risk-Based Bank Rating (RBBR) method, which includes four assessment factors, namely Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC), was applied to assess the performance of the bank using NPF, FDR, GCG, ROA, ROE, NIM, BOPO, and CAR ratios. The data analysis used descriptive statistics, Shapiro-Wilk, and Wilcoxon Signed Rank Tests. Based on the analysis, the percentage difference in the BOPO and NIM ratios was the largest and lowest, which were 6.16% and 0.08%. Furthermore, there was a significant difference in the financial performance of Bank Syariah Indonesia before and after the merger, which became increasingly healthy. This study has implications for bank assessment policies, as it highlights the need to consider various factors to assess the output scale produced in the bank.
INTERNAL FACTOR ATTRIBUTE IN ISLAMIC BANKS: WHICH ONES CONTRIBUTE TO PROFIT DISTRIBUTION? EVIDENCE FROM MUAMALAT BANK Bambang Iswanto; Sauci Fisa’i Sabna; Irma Yuliani; Misbahul Munir; Muhammad Nur Faaiz Fathah
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 11, No 1 (2023): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v11i1.17626

Abstract

Competition between financial institutions will have a positive and negative impact on the development of a bank. In this case, the existence of Bank Muamalat Indonesia as the first pioneer of banks operating with Sharia principles for 30 years needs to be assessed for its financial performance.   This study aims to determine and analyze the effect of the ratio of CAR, ROA, FDR, NPF, and BOPO on Profit Distribution Management at Bank Muamalat Indonesia for the 2014-2021 period. The data used in this study includes data on Bank Muamalat Indonesia's quarterly financial statements from 2014 to 2021. The statistical test method used to analyze data in this study is Multiple Regression Analysis. The results of this study show that the ratio of ROA and FDR has a significant effect on Profit Distribution Management, while the ratio of CAR, NPF, and BOPO does not have a significant effect on Profit Distribution Management. Simultaneously, the ratio of CAR, ROA, FDR, NPF, and BOPO affects Profit Distribution Management. This research has several implications for bank policy regarding the importance of maintaining financial performance ratios and opinions through increasing bank financing disbursements and optimizing Profit Distribution Management.
Factors That Affect the Realization of MSME Financing at Sharia Bankaltimtara Samarinda Bambang Iswanto; Rinna Ramadhan Ain Fitriah; Muh Shadiqul Fajri AF; Misbahul Munir
Al-Tijary Vol 8 No 1 (2022): AL-TIJARY VOL. 8, NO. 1, DESEMBER 2022
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i1.5452

Abstract

This research was motivated by the importance of financing the MSME sector based on syariah principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the used method was multiple linear regression analysis. The independent variables were estimated, namely the age of the customer, the level of education of the customer, the length of the business of the customer, the net income per month, the type of business, the composition of venture capital, collateral value, and type of financing contract. Multiple linear regression analysis was tested with the SPSS 23.0 statistical tool. This research finds that there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara, Samarinda, namely the customer's net profit per month and the value of the financing collateral.
Cattle Fattening Program: The Effectiveness of Zakat Community Development Bambang Iswanto; Iklimah Dalhudah; Mursyid Mursyid; Idhafiyyah Anwar
Shirkah: Journal of Economics and Business Vol 8, No 2 (2023)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i2.606

Abstract

Despite many studies on productive Zakat, the focus on the effectiveness of mustahiq empowerment programs has been limited. This study looks at how effective the Zakat community development-based cattle fattening program is towards the empowerment of Zakat recipients. The study measures four indicators of program effectiveness: program target accuracy, program socialization, program objectives, and program monitoring. Data collection techniques include interviews, observation, and documentation. The study found that the program was good at targeting the right people, but it wasn't socialized enough. The program also fell short of its objectives because the recipients weren't making enough money to become donors themselves yet. However, the program was well-monitored, with regular check-ins to make sure it was on track. The study suggests that clearer standards are needed to increase the benefits received by Zakat recipients This study has practical implications for productive Zakat distribution policies, as clear benchmarks are required for implementing programs that increase Zakat recipients' benefits.
The Constitutional Court Decision and Islamic Philanthropy Movements: Analysis of Zakat Organizations Legality in Samarinda Bambang Iswanto; Miftah Faried Hadinatha
Mazahib Vol 22 No 1 (2023): VOLUME 22, ISSUE 1, 2023
Publisher : Fakultas Syariah UINSI Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/mj.v22i1.5968

Abstract

As the capital of East Kalimantan province, Samarinda city government has adequate access to ensure the Legality of zakat management organizations in its jurisdiction. However, many community-based zakat agencies still carry out their activities without state license. Otherwise, the Constitutional Court Decision Number 86/ PUU-X/2012 obliges these zakat agencies to get the Ministry of Religious Affairs permit based on the National Amil Zakat Agency (BAZNAS) recommendation, in this case, the BAZNAS of Samarinda. This article focuses first on the legal implication of the Court’s decision which confirms the constitutionality of the zakat agencies' licensing requirement in Indonesian Zakat Law. Second, it probes the Samarinda community-based zakat agencies' stance on unlicensed activities and factors affecting their compliance with the Court's decision. Using socio-legal method, this article finds that the Court has established a norm that every zakat management organization must obtain the state's license as long as they operate within the jurisdiction of BAZNAS. Hence, it is considered illegal when community-based zakat agencies in Samarinda manage zakat unlicensed because every corner of the city is arguably within reach of BAZNAS Samarinda operation. Nevertheless, the Court's ruling is not observed by the society in Samarinda because they build their own social construction in implementing the Islamic teaching of zakat. Their stance is mainly influenced by religious motives instead of legal compliance, as well as the hereditary obedience to religious figures. Although many zakat agencies are not licensed, the society always feels benefited and facilitated by their work of collecting and distributing zakat in their region. Keywords: Amil zakat, legality, Constitutional Court, Samarinda
MEASURING THE PERFORMANCE OF ISLAMIC BANKS THROUGH RISK PROFILE, EARNING, AND CAPITAL Bambang Iswanto; Angrum Pratiwi; Idhafiyyah Anwar
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 15 No 1 (2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v15i1.4631

Abstract

The emergence of COVID-19 as a global pandemic has impacted slowing economic growth, which has also affected regional financial and banking stability in East Kalimantan. This study aims to describe the results of measuring the performance of Islamic Commercial Banks using the risk profile, earning & capital method. The research population is Islamic banks operating in the Samarinda area of ​​East Kalimantan, and the research sample selection is purposive sampling. The study results show that the measurement in terms of the risk profile aspect shows an average rating of 2, "Good," and 3, "Fair enough." While the average rating on the FDR ratio is rated 2, "Good," a rating of 3 is "Enough Good," and a rating of 1 is "Very Good." Furthermore, in terms of earning assessment, by looking at the ROA, ROE, and BOPO ratios after being ranked, the results show that ROE and BOPO ratios rank 4 and 5. In contrast, NOM is rated 1, while the ROA ratio continues to fluctuate from rank 1 to rank 5, meaning that bank performance Sharia law differs in generating returns on assets. This is a note, as well as opportunities and challenges for banks to be able to compete with other banks. Furthermore, capital assessment is rated "Very Good," which means that it has met the standards set by Bank Indonesia and the Financial Services Authority.