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All Journal Islaminomics: Journal of Islamic Economics, Business and Finance Jurnal Ekonomi dan Perbankan Syariah
Firmansyah Firmansyah
Sekolah Tinggi Ekonomi Islam (STEI) SEBI
Economics, Econometrics & Finance Social Sciences

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The performance of profit and loss sharing (PLS) products: Evidence from Indonesian Islamic Rural Banking (IRB) Luqman Hakim Handoko; Firmansyah Firmansyah
ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE Vol 12, No 1 (2022): ISLAMINOMICS: JOURNAL OF ISLAMIC ECONOMICS, BUSINESS AND FINANCE
Publisher : STES Islamic Village

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47903/islaminomics.v12i1.180

Abstract

The main difference between Islamic banking and conventional is the concept of profit and loss sharing (PLS). Supposedly, banks have to use dominantly this concept. Nevertheless, products based on PLS are less of attention for the bankers to generate profit. Otherwise, the product based on the Murabahah contract is the first choice for the banker for profit-making. Therefore, this research generally aims to examine the performance of Islamic rural banking products as a source of generating revenue. Especially to prove that profit and loss sharing is the best way to generate profit. VECM analysis will apply to identify the contribution of Islamic rural banking products to generate income. In evaluating of financing performance of Islamic banks, the data was collected from the central banks’ reports from 2009 to 2019. The result showed that in the long-run and short-run the PLS financing product (Mudharabah and Musyarakah) has a positive and significant effect on generating revenue. The study also revealed that the impulse response also showed that PLS gives a positive response and is stable in the long run. Furthermore, based on variance decomposition PLS has a bigger contribution to revenue.
TINJAUAN FIQIH MUAMALAH TERHADAP PRAKTEK BISNIS COST PER ACTION (CPA): STUDI KASUS DI WWW.ACCESSTRADE.CO.ID Firmansyah Firmansyah; Muhammad Hafizh
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i2.161

Abstract

ABSTRAK: Tujuan penelitian ini adalah untuk mengetahui akad yang digunakan di dalam sistem CPA antara advertiser, Access Trade, publisher dan untuk mengetahui praktek bisnis yang diterapkan apakah sudah memenuhi prinsip muamalah. Penelitian ini merupakan penelitian deskriptif kualitatif dengan menggunakan metode penelitian lapangan (field research), dan jika mengacu pada pokok permasalahan dan tujuan penelitian, maka penelitian ini termasuk penelitian studi kasus (case study). Sedangkan dalam pengumpulan data menggunakan dokumentasi naskah dan penulis berpartisipasi dalam program CPA ini. Penulis menganalisis data ini dengan menggunakan metode analisis deskriptif yaitu usaha mengumpulkan dan menyusun suatu data, kemudian dilakukan analisis dan interpretasi terhadap data tersebut, dengan kata lain memberikan gambaran yang jelas dan akurat tentang masalah yang diselidiki. Dalam prakteknya sistem CPA ada tiga pihak yang ikut andil, yaitu advertiser, Access Trade, dan publisher. Dalam hubungan hukumnya, terdapat dua hubungan dan masing-masing akad yaitu antara advertiser dengan publisher menggunakan akad ijarah dan publisher dengan Access Trade menggunakan akad ju’alah. Hasilnya adalah pelaksanaan sistem CPA di www.accesstrade.co.id ini tidak menyimpang dari hukum islaABSTRACT: The purpose of this study was to determine the contract used in the CPA between the advertiser system, Access Trade, publisher and business practices to determine whether it meets the principles applied muamalah. This research is a qualitative descriptive study using field research, and if it refers to the subject matter and purpose of the study, the study includes a case study. Whereas in the collection of data using the script documentation and writers participating in this CPA program. Authors analyzed these data using descriptive analysis method is an effort to collect and compile the data, then analysis and interpretation of the data, in other words give a clear and accurate picture of the problem investigated. In practice the CPA system, there are three parties took part, namely the advertiser, Access Trade, and publisher. There are two relationships and each contract is between the advertiser and the publisher using Ijarah contract publisher with Access Trade using ju'alah contract. Te result shown tha the implementation of the CPA in www.accesstrade.co.id system does not violate the Islamic law.
Analysis of Efficiency Level of SRB West Java Region for the period of 2018-2020 Lu’lu Dzahidah; Firmansyah Firmansyah; Nining Nurhasanah; Aziz Budi Setiawan
Jurnal Ekonomi dan Perbankan Syariah Vol 10, No 1 (2022): Journal of Islamic Economics and Banking
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v10i1.315

Abstract

This study aims to measure the efficiency level of Islamic Rural Bank (BPRS) using the Data Envelopment Analysis (DEA) method. The research is a quantitative study using secondary data. The population in this study are all BPRS in the West Java region registered with the financial services Authority as of December 2018 as many as 27. And the sample used in this study was 12. This study used an intermediation approach with orientation input and using BBC/VRS measurements. The result of this study is 1 BPRS that achieve perfect efficiency levels achieve perfect efficiency levels in constant positions base on Score (SE).
Co-Authors Aziz Budi Setiawan Luqman Hakim Handoko Lu’lu Dzahidah Muhammad Hafizh Nining Nurhasanah