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Konsep Screening Saham Syariah di Indonesia Refky Fielnanda
AL-FALAH : Journal of Islamic Economics Vol 2, No 2 (2017)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/jie.v2i2.255

Tulisan ini membuktikan kelemahan pemikiran Alhabshi, Khatkhatay dan Nisar, dan Donia dan Marzban, yang menyatakan bahwa pada kondisi sekarang ini saham dalam proses screening sepenuhnya murni syariah dan terbebas dari spekulasi sangat langkah dan hampir mustahil bisa diterapkan. Argumen mereka bahwa sebagian besar negara memiliki lembaga keuangan konvensional. Disamping itu, screening untuk saham syariah menghambat investor untuk berinvestasi. Dalam konteks fuqaha>’, ada sebagian yang mengharamkan praktik jual beli saham. Sebagaimana diungkapkan oleh Taqi> al-Di>n al-Nabha>ni> dan Yusuf al-Sabatin mengungkapkan bahwa transaksi saham dianggap batal secara hukum, karena dalam masalah transaksi saham tidak tepat menggunakan analisis mas}lah}ah mursalah. Sumber data yang digunakan dalam tulisan ini adalah Fatwa DSN-MUI No: 40/DSN-MUI/X/2003 tentang Pasar Modal dan Pedoman Umum Penerapan Prinsip Syariah di Bidang Pasar Modal, Peraturan Bapepam-LK Nomor: KEP-181/BL/2009 ditindaklanjuti dengan Peraturan Nomor: KEP-208/BL/2012. Sementara cara membacanya, semua data yang diperoleh disusun secara sistematis dengan menggunakan pendekatan yuridis (Shar‘i), sosiologis, dan ekonomi. Kemudian data tersebut dianalisis dengan menggunakan analisis isi (content analysis).Temuan tulisan ini memperkuat pemikiran Gholamreza Zandi, Seif El-Din I Taj, Zamir Iqbal, dan Sami al-Suwailem, menurut mereka bahwa di setiap negara pasar modal sangat penting sebagai salah satu penggerak perekonomian suatu negara. Oleh karena itu, sistem pasar ekuitas harus diawasi dengan baik, dengan melakukan screening terhadap emiten yang melanggar dari aturan hukum Islam. Dalam konteks para fuqaha>’, temuan tulisan ini juga memperkuat pemikiran S{a>lih} ibn Muh}ammad ibn Sulayma>n al-S{ult}a>n dan Ah}mad ibn Muh}ammad al-Khali>l sepakat bahwa saham dalam Islam adalah bagian dari investasi. Oleh karena itu, untuk menghindar pelanggaran dari prinsip syariah, maka dilakukan screening terhadap saham syariah.

Peran Bumdes Dalam Meningkatkan Pendapatan Masyarakat Desa Air Balui Kec. Kemuning Kab. Indra Giri Hilir Garde Saspika; Arsa Arsa; Refky Fielnanda
JURNAL RISET MANAJEMEN DAN EKONOMI (JRIME) Vol. 1 No. 1 (2023): JANUARI : JURNAL RISET MANAJEMEN DAN EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Tujuan dilakukannya penelitian ini adalah untuk (1) mengetahui peran BUMDes dalam meningkatkan pendapatan masyarakat dan (2) mengetahui peran BUMDes dalam memberdayakan masyarakat. Metode analisis menggunakan analisis deskriptif dari hasil wawancara yang dilakukan kepada ketua BUMDes Benaung Indah, Kepala Desa serta warga Desa Air Balui. Hasil penelitian menunjukkan bahwa peranan BUMDES Benaung Indah dalam mensejahterakan masyarakat telah diwujudkan dengan adanya unit-unit usaha yang ada didalamnya seperti unit usaha simpan pinjam, jasa sampah, dan perdagangan. BUMDes juga membuka lapangan pekerjaan bagi masyarakat desa Balui sehingga mengurangi pengangguran. Selain itu BUMDes Benaung Indah sudah memberikan pembagian keuntungan untuk menambah Pendapatan Asli Desa Balui. Faktor Pendukung BUMDes Benaung Indah dalam Rangka Meningkatkan Kesejahteraan Masyarakat Desa Balui yaitu potensi berkembangnya Desa Balui di sektor ekonomi cukup tinggi karena terletak di daerah Indragiri Hilr yang memiliki potensi perkembangan perdagangan yang cukup baik dan sumber daya manusia yang mendukung sedangkan faktor penghambat diantaranya BUMDes belum maksimal dalam melakukan sosialisasi program program BUMDes kepada masyarakat, belum maksimal dalam pengembangan bisnis dan ekonomi, masyarakat masih berpikir dalam lingkup banjar sehingga belum maksimal dalam mendukung program BUMDes, memerlukan dukungan seluruh unsur masyarakat baik adat maupun dinas, sumber daya manusia potensial yang dimiliki desa lebih memilih bekerja di instansi lain.

PENGARUH JAMINAN, TENOR, DAN PELAYANAN TERHADAP KEPUTUSAN PEMBIAYAAN MURABAHAH PADA BANK 9 JAMBI SYARIAH CABANG SIMPANG 4 SIPIN Sissah; Refky Fielnanda; Tania
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1240

The purpose of this study was to determine and analyze the effect of collateral, tenor and service on customer decisions to choose Murabahah financing at Bank 9 Jambi Syariah. This research is a descriptive quantitative research. The data used is primary data obtained from distributing questionnaires to customers of Bank 9 Jambi Syariah who do the financing. The research sample was obtained from the purposive sampling technique with the Slovin formula, 94 respondents were obtained. Data analysis technique using Multiple Regression Analysis. The results showed that: 1) Collateral has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; 2) The tenor has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.015 <0.05; 3) Service has an influence on the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with a significance value of 0.000 <0.05; and 4) Collateral, tenor, and service together influence the customer's decision to choose Murabahah financing at Bank 9 Jambi Syariah with an influence of 68.5%.

Analisis Kesesuaian Penempatan Kerja, Beban Kerja Terhadap Prestasi Karyawan Pada Bank 9 Syariah Jambi Toyba Toyba; Titin Agustin Nengsih; Refky Fielnanda
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 1 No. 3 (2023): Agustus : Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v1i3.339

Employee performance as one of the values and control of human resources is a complex value possessed by employees that can be influenced by various things which can increase employee performance and can reduce the value of employee performance which can be detrimental to the company. This study aims to determine the effect of employee placement on employee performance, workload on employee performance, and employee placement, workload on employee performance that occurs at bank 9 syari'ah Jambi. The results of the research conducted show that (1) work placement has a positive but not significant effect on employee work performance at bank 9 syari'ah Jambi. (2) workload has a positive but not significant effect on employee performance at bank 9 Jambi syari'ah.

PELUANG DAN TANTANGAN AGEN DALAM MENINGKATKAN NASABAH ASURANSI SYARIAH (STUDI PADA PERUSAHAAN ASURANSI SYARIAH BUMI PUTERA CABANG JAMBI) Rani; Hansen Rusliani; Refky Fielnanda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 2 No. 1 (2022): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v2i1.247

This study aims to determine the effect of the opportunities and challenges of agents in marketing sharia insurance products in Bumi Putra Jambi. This type of research is qualitative research. The data used is primary data obtained from the Bumi Putra Jambi company. The population is 463 customers during 2010-2022. The analysis used is swot analysis, swot analysis is the identification of various factors systematically to formulate company strategy. Strength (strength), weakness (weakness), Opportunity (opportunity) and threat (threat) are the company's strategic factors that need to be analyzed in the current conditions. The results of the study used strength (1.38), weakness (1.26), opportunity (1.61), and threat (0.93). So it can be concluded that the aopportunities and challenges have the same risk, so the Bumi Putra Jambi company must prepare the right strategy for agents in increasing customers and marketing sharia insurance products.

ANALISIS MANAJEMEN RISIKO AKAD PADA PEMBIAYAAN MUDHRABAH DI SEGMEN UMKM DI BANK SYARIAH INDONESIA KC JAMBI – GATOT SUBROTO Eja Armaz; Refky Fielnanda; Mahathir Hefrianda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 1 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i1.250

This study aims to determine the analysis of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto regarding contract risk management in the distribution of mudharabah financing in the UMKM segment which is distributed to customers by Bank Syariah Indonesia. The purpose of this study was to find out how the role of the Indonesian Islamic Bank (BSI) KC Jambi - Gatot Subroto in analyzing the financing they channeled to customers greatly impacted Indonesian Islamic banks. The type of research method used is descriptive qualitative research on mudharabah contract financing in the UMKM segment at the Indonesian Islamic bank (BSI) Jambi - Gatot Subroto branch office regarding the distribution of mudharabah contract financing. It turns out that from the results of this study, the funds distributed were obtained by several factors that caused problems in financing mudharabah contracts in the UMKM segment such as internal and external factors, including internal factors such as inaccurate analysis, incorrectly predicting collateral or guarantees, and poor employee performance. good, then on external factors such as the global economy, natural disasters, declining sales levels and customers getting out of obligations during the contract. The results of this study are expected to be a reference and input for Bank Syariah Indonesia KC Jambi - Gatot Subroto in analyzing the risk of murabahah contract financing in the UMKM segment in the Indonesian Islamic bank KC Jambi - Gatot Subroto.

ANALISIS PERSEPSI MASYARAKAT DALAM MENGGUNAKAN PRODUK BANK SYARIAH Irma Damayanti; Ahsan Putra Hafiz; Refky Fielnanda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 2 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i2.261

The purpose of this study was to determine how the perception of the people of Kampung Baru, Kec. Muara Tembesi about Islamic banks. The author uses qualitative methods by using data collection methods by means of interviews, observations, documentation and drawing conclusions. The results of this study found that the perceptions of the people of Kampung Baru were different. There are four categories that are perceived by the public, namely Islamic banks that have operated using sharia principles, which are 67%, Islamic banks which are considered not yet fully operating using sharia principles, which are 15%, Islamic banks as a forum if there is a need, which is 11%, really. really do not understand Islamic banks by 24%. And there are four factors that influence the four categories, namely personal factors, psychological factors, and social factors

Pengaruh Good Corporate Governance Dan Islamic Corporate Social Responsibility Terhadap Profitabilitas (Roa) Pada Bank Umum Syariah Di Indonesia Tahun 2017-2020 Ami Mastura; Ambok Pangiuk; Refky Fielnanda
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 3 No. 3 (2023): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v3i3.270

This thesis aims to determine the Effect of Good Corporate Governance and Islamic Corporate Social Responsibility on Profitability (ROA) in Islamic Commercial Banks in Indonesia in 2017-2020. This study uses the independent variable, namely Good Corporate Governance with the proxy of the Board of Commissioners, Board of Directors and Islamic Corporate Social Responsibility. The dependent variable is Profitability (ROA). The data used in this study is secondary data, namely the annual report and the GCG report of Islamic Commercial Banks for the 2017-2020 period. The population in this study are all Islamic Commercial Banks registered with the Financial Services Authority in the 2017-2020 period. The sample was selected by purposive sampling method and 8 samples were obtained. The analytical method used in this research is panel data regression, model testing, classical assumption test, t test, and f test which are processed using the Eviews 8 application and Microsoft Excel 2010. The results of this study indicate that the board of commissioners has no effect on profitability (ROA) at Islamic Commercial Banks in Indonesia in 2017-2020. The board of directors has no effect on the profitability (ROA) of Islamic Commercial Banks in Indonesia in 2017-2020. Islamic Corporate Social Responsibility has no effect on profitability (ROA) at Islamic Commercial Banks in Indonesia in 2017-2020. The board of commissioners, board of directors, Islamic Corporate Social Responsibility simultaneously (simultaneously) affect the profitability (ROA) of Islamic Commercial Banks in Indonesia in 2017-2020.

Motif Masyarakat Non Muslim Menjadi Nasabah Gadai Pada Bank Syariah Indonesia Cabang Kota Jambi Menurut Perspektif Ekonomi Islam Suci Martha Liany; Arsa Arsa; Refky Fielnanda
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 1 No. 4 (2024): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v1i4.240

The background to this thesis is that apart from Muslim customers, there are also non-Muslim customers who are gold pawning customers at the Pekanbaru branch of Bank Syariah Mandiri. The aim of this research is to find out the motives of non-Muslim communities for using gold pawning financing services at Bank Syariah Indonesia Jambi Branch Office and to find out how Islamic economics views the motives of non-Muslim communities for using gold pawning financing services at Bank Syariah Indonesia Jambi Branch Offices. The population in this study was 4 non-Muslim customers who used the gold pawn financing services of Bank Syariah Indonesia, Jambi City Branch. This research is field research or what is known as field research. The location of this research is Bank Syariah Indonesia, Jambi City. The sample in this research was all non-Muslim customers, namely 4 people who used gold pawning financing services at Bank Syariah Indonesia, Jambi City. After the author conducted research, it can be concluded that the motive for non-Muslim people to become gold pawning customers at Bank Syariah Indonesia Jambi City Branch is because non-Muslim customers need capital, such as to sell in markets. Some of the motives used by non-Muslim customers are personal motives, cultural motives, religious motives, stimuli, Islamic economic views on the motives of non-Muslim communities for using gold pawn financing services at the Pekanbaru branch of Bank Syariah Mandiri in accordance with the rules of Allah SWT, leading to the achievement of goodness, prosperity, helping humans to achieve success.

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