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Islamic Values in The Tradition of Samin Community at East Java Renny Oktafia; Imron Mawardi
QIJIS Vol 5, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/qijis.v5i1.2027

Abstract

Samin culture is one of the few sub-cultures that exist in East Java. Samin community in East Java settled in the district of Bojonegoro. In popular culture Samin contains a lot of wisdom values that is in accordance with the values of Islamic culture. The values of cultural wisdom Samin community's need to be excavated and preserved, in order to improve the livelihood of the people, which in turn will create a civilization that is safe, peaceful, just and prosperous nation's development objectives.In traditional Islam can be used as a guide in shaping the law syar'i. Terms used in Islam to the local traditions referred to as' urf. U'rf can be used as legal guidelines syar'i for 'urf is not contrary to the Qur'an and Hadith. Given the synergy between local culture and Islamic culture, the life activities undertaken by the community remain in accordance with the teachings of religion, but the local culture is preserved continuity.
Implementasi Islamic Corporate Social Responsibility (CSR) Pada PT. Bumi Lingga Pertiwi di Kabupaten Gresik Indra Kharisma; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 1 (2014): Januari-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol1iss20141pp36-52

Abstract

Implementation of Corporate Social Responsibility (CSR) is used later to improve the image of the company and its business existence. Instead of CSR to empower people its delude people with a profit motive. Islamic CSR is that CSR refers to business practices that have an ethical responsibility Islamically, companies incorporate Islamic norms characterized by sincerity commitment in maintaining the social contract in its business practices in halal lawful. This study aimed to reveal the implementation of Islamic CSR PT. Bumi Lingga Pertiwi Gresik.This study used a qualitative approach with descriptive case study method. The selections of informant are using purposive sampling method. Data collection was conducted by semi-structured interviews and documentation. Analysis of the data using descriptive method.The results of this study indicate that PT. Bumi Lingga Pertiwi has implemented Islamic CSR based on unity, caliphate, justice and broterhood by creating and running a cooperation agreement in accordance with sharia corridor, provide good service to customers, act fairly and avoid discrimination, provide assistance to the poor in the villages around, helping the development of education and worship, as well as participate protecting the environment by way of planting trees together. REFERENCESAlgifari. 1997. Analisis Statistik Untuk Bisnis dengan Regresi, Korelasi, dan Nonparametrik. Edisi Pertama. Yogyakarta: BPFE-YOGYAKARTA. ---------. 2000. Analisis Regresi Teori, Kasus, dan Solusi. Edisi Kedua. Yogyakarta: BPFE-YOGYAKARTA.Al-Qur’an dan terjemahannya. 2005. Tim Disbintalad. Jakarta: Sari AgungAnogoro, Panji dan Ninik Widiyanti. 1990. PSIKOLOGI DALAM PERUSAHAAN. Cetakan pertama. Jakarta : RINEKA CIPTAAnoraga, Panji. 2006. Psikologi Kerja. Cetakan keempat. Jakarta: Rineka CiptaAnshori, Muslich & Sri Iswati. 2009. Metode Penelitian Kuantitatif. Cetakan pertama. Surabaya: Airlangga University Press.Arikunto, Suharsimi. 2010. Prosedur Penelitian Suatu Pendekatan Praktik. Jakarta: Rineka Cipta.As’ad, Moch. 1998. Seri Ilmu Sumber Daya Manusia: Psikologi Industri. Liberty : Yogyakarta.Azwar, Saiffudin. 1997. Sikap Manusia Teori dan Pengukurannya. Yogyakarta: Pustaka Pelajar.A. Mas’adi, Ghufron. 2002. Fiqh Muamalah Kontekstual. Jakarta: Raja Grafindo.Chablullah, Wibisono. Pengaruh Motivasi Spiritual terhadap Kinerja Karyawan. 2002.Ghani, M. Abdul. 2005.The Spirituality in Business. cetakan pertama. Jakarta: Pena Pundi Aksara.Ghazali, Imam. 2005. Aplikasi Multivariate dengan Program SPSS. Edisi ketiga. Semarang: Undip.Gibson, Ivancevich & Donnelly. 1996. Organization: Behaviour, Structure, Process. Alih Bahasan Djarkasih. Edisi Kelima. Jakarta: Erlangga.Hamid Mursi, Abdul. 1997. SDM Yang Produktif pendekatan Al-Qur’an dan sains. Jakarta: Gema Insani Press.Handoko, T. Hani. 1991. Manajemen. Yogyakarta: BPFE-UGM.Hasibun, Malayu SP. 1994. Manajemen Sumber Daya Manusia Dasar dan Kunci Keberhasilan. Cetakan keenam. Jakarta: Haji Masagung.Indriantoro, Nur dan Bambang Supomo. 1999. Metodologi Penelitian Bisnis untuk Akuntansi dan Manajemen. Edisi Pertama. Yogyakarta: BPFE.Ismail Yusanto, Muhammad dan Muhammad Karebet Widjajakusuma. 2002. Menggagas Bisnis Islami. Jakarta: Gema Insani.Johan, Rita. Kepuasan Kerja Karyawan Dalam Lingkungan Institusi Pendidikan. 2002.LPPM. 1994. Manajemen Perilaku dalam Organisasi. Jakarta: LPPM.Luthans, F. 2005. Organizational Behavior. Mc Graw-Hill Book CoSingapore,Singapura.Qurrotul’aini, Aan. Pengaruh Kepuasan Kerja dan Disiplin Kerja Terhadap Kinerja Karyawan Muslim (Studi Kasus di Dedy Jaya Plaza Ketanggungan Brebes). 2011Rusyd, Ibnu. 2002.Bidayatul Mujtahid terjemahan. Cetakan kedua. Jakarta: Pustaka Amani.Solimun. 2002. Structural Equation Modeling Lisrel dan Amos. Malang: Penerbit Universitas Negeri Malang.Sugiyono. 2011. Metode Penelitian Kuantitatif, Kualitatif dan R&D. Edisi keduabelas. Bandung: Alfabeta.Sunyoto, Danang. 2010. Uji KHI Kuadrat dan Regresi untuk Penelitian. Edisi Pertama. Yogyakarta: Graha Ilmu.Swasto, Bambang. 1996. Pengembangan Sumber Daya Manusia Pengaruhnya Terhadap Kinerja dan Imbalan. Cetakan Pertama. Malang: Universitas Brawijaya.Taniredja, Tukiran dan Hidayati Mustafidah. 2011. Penelitian Kuantitatif: Sebuah Pengantar. Bandung: Alfabeta.Tasmara, Toto. 1995. Etos Kerja Pribadi Muslim. Yogyakarta: PT. Dana Bhakti Wakaf.Usman, Husaini. 2010. Manajemen : teori,praktik dan riset pendidikan. edisi ketiga. Jakarta: bumi aksara.Wexley, Kenneth N., & Gary A. Yukl. 1988. Perilaku Organisasi dan Psikologi Personalia. Jakarta: Binarupa Aksara.Wijono, Sutarto. 2010. Psikologi Industri & Organisasi. Cetakan pertama. Jakarta: Kencana Prenada Media Group.
Kemampuan Unit Usaha Yayasan Nurul Hayat Dalam Menunjang Biaya Operasioanal Lembaga Amil Zakat Novalia Nastiti; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 2 (2014): Februari-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol1iss20142pp92-118

Abstract

Amil zaka in zaka institutions has the right as one of eight ashnaf. Their rights are usually used by zaka institutions as operational cost. However, not all of the intitutions which manage zaka take amil’s right, one of them is Yayasan Nurul Hayat. This institution does not take amil’s right and it is independent in its operational cost. To support this operational cost, Yayasan Nurul Hayat establish business unit with utilize its profit.This study aimed to discover the capability of business unit in supporting operational cost of Yayasan Nurul Hayat. This study used a qualitative approach with descriptive case study method. The selections of informant are using purposive sampling method. Data collection was conducted by semi-structured interviews and documentation. This data is analyzed using descriptive method.The result of this study shows that Yayasan Nurul Hayat Employments’ Salary is taken from business unit’s profit. It is also used to give bonus for employments and grow the business unit of Yayasan Nurul Hayat up. From the result of this study, it can be concluded that the business unit which is developed has great capability to support operational cost of Yayasan Nurul Hayat. REFERENCESAr-Rifa'i, Muhammad. Nisab. (1999). Ringkasan Tafsir Ibnu Katsir. Jakarta: Gema Isnasi Press.Ash Shiddieqy, Teungku. Muhammad Hasbi. (2005). Pedoman Zakat. Semarang: Hayam Wuruk.Fakhruddin. (2008). Fikih dan Manajemen Zakat di Indonesia. Malang: UIN Malang Press.Hafidhuddin, Didin. (2002). Zakat Dan Peningkatan Kesejahteraan (Upaya Memahami Kembali Makna dan Hakikat Zakat) dalam Mimbar Agama dan Budaya. Jakarta: UIN Syarif Hidayatullah.Hafidhuddin, Didin. (2003). Panduan Zakat bersama Dr. KH. Didin Hafidhuddin. Jakarta: Republika.Hikmat, & Hidayat. (2008). Panduan Pintar Zakat. Jakarta: Qultummedia.Ja'far, Muhammadiyah (1985). Zakat Puasa dan Haji. Jakarta: Kalam Mulia.Ja'far, Muhamaddiyah. (2003). Tuntunan Ibadah Zakat, Puasa dan Haji. Jakarta: Kalam Mulia.Nafarin, M. 2004. Penganggaran Perusahaaan, Edisi Revisi, Salemba Empat, Jakarta.Purwanto, April. (2009). Manajemen Fundraising bagi Organisasi Pengelola Zakat. Yogyakarta: Sukses.Qardawi, Yusuf. (1984). Atsar al-Zakat lil afrad wa al-mujtamaat. Seminar Zakat I.Qardawi, Yusuf. (2004). Hukum Zakat: Studi Komparatif Mengenai Status dan Filsafat Zakat Berdasarkan AlQur’an dan Al-Hadits, terj. Salman Harun, et al. Bogor: PT. Pustaka Litera AntarNusa.Rais, M. Amien. (1994). Cakrawala Islam antara Cita dan Fakta. Bandung: Mizan.Rifa'i, Hasan. (1996). Panduan Zakat Praktis, cet.1. Jakarta: Dompet Dhuafa Republika.Rofiq, Ahmad. (2004). Fiqh Kontekstual: dari Normatif ke Pemaknaan Sosial. Yogyakarta: Pustaka Pelajar.Shabir, Muslich. (2005). Pemikiran Syekh Muhammad Arsyad Al-Banjari tentang Zakat: Suntingan Teks dan Analisis Intelektual. Jakarta: Nuansa Aulia.Shihab, M. Quraish. (1992). Membumikan Al-Qur’an: Fungsi dan Peran Wahyu dalam Kehidupan Masyarakat. Bandung: Mizan.Sudarsono, Heri. (2008). Bank dan Lembaga Keuangan Syariah Deskripsi dan Ilustrasi. Yogyakarta: Ekonesia.
Perbedaan Pembiayaan Model Bagi Hasil dan Non Bagi Hasil Terhadap Profitabilitas dan Resiko (Studi Kasus BMT Amanah Ummah) Ilham Nur Agustha; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 4 (2014): April-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (339.089 KB) | DOI: 10.20473/vol1iss20144pp252-264

Abstract

This research is conducted to identify the relationship between profit sharing financing, non-profit-sharing, risk, and profitability of the BaitulMaalwatanwil. While the purpose of this study was conducted to determine the difference between the two financing available in BMT Amanah Ummah Karah Surabaya branch (profit sharing and non-sharing).The method used in this study is qualitative approach, using the case study method. The collection of the data done by linking the questions asked, the data collected with the conclusions drawn from interviews with secretaries and marketing lending at headquarter of BMT Amanah Ummah Karah Surabaya branch.The results showed that non-profit-sharing financing have a higher level of profitability than the profit sharing financing. Meanwhile, from the level of risk, profit sharing financing have a higher degree of risk compare to non-profit sharing financing. REFERENCESAl-Qur‟an dan Terjemahannya. 1971. Jakarta: Yayasan Penyelenggara Penerjemah/Penafsir Al-Qur‟an.Hamza, Ufika. 2008. Analisis Profitabilitas Baitul Maal Wa Tanwil Periode 2003-2007 (Studi pada BMY-MMU Pasuruan Cabang Wonorejo). Malang: Skripsi Program Sarjana UINKarim, Adiwarman A. 2006. Bank Islam: Analisis Fiqh dan Keuangan. Jakarta: PT Raja Grafindo.------------. 2008. Sejarah Pemikiran Ekonomi Islam. Jakarta: PT. Raja Grafindo Persada.Kasmir. 2007. Bank dan Lembaga Keuangan Lainnya. cet VI. Jakarta: PT Raja grafindo Persada, hlm 115-----------. 2007. Bank dan Lembaga Keuangan Lainnya. cet VI. Jakarta: PT Raja Grafindo Persada, 116 Majelis Ulama Indonesia. 2000. Kumpulan Fatwa Dewan Syariah Nasional. Jakarta: Republik IndonesiaRyandono, Muhammad Nafik Hadi. 2009. Bursa Efek dan Investasi Syariah. Jakarta: PT. Serambi Ilmu Semesta.---------------. 2008. Modul Disajikan Dalam Pelatihan Lembaga Keuangan Syariah. Inggris Islamic Finance Development Institute (IFDI)Yin, Robert K. 2006. Studi Kasus: Desain dan Metode. Jakarta: PT. Raja Grafindo Persada.
Pemahaman Etika Berdagang Pada Pedagang Muslim Pasar Wonokromo Surabaya (Studi Kasus Pedagang Buah) Siti Nur Azizaturrohmah; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 4 (2014): April-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (254.564 KB) | DOI: 10.20473/vol1iss20144pp278-288

Abstract

Trading is a job that is highly recommended in Islam, because the Prophet and the companions also a traders. So it should as a good Muslim in performing daily activities in accordance with the guidance of the Prophet in order to be successful the world and the hereafter included in trade. Ethics of trade was good manners and behavior in the trade so the customers were satisfied.This study aims to determine the understanding of ethical trade in the Muslim traders Wonokromo Market Surabaya. This study used a qualitative approach with descriptive case study method. Determination of informants using purposive sampling technique. Data collected by means of semi-structured interviews and documentation. Data analysis using descriptive analytical model.The results of this study indicate that generally Muslim traders Wonokromo Markets have understood the ethical trade based on the principle of unity, equilibrium, free will, responsibility and truth in a way that is honest and good trade (do not cheat), provide information to the customer in accordance with reality, appropriately weigh, not hold a fake offers, do not tucking rotten fruit into a nice fruit, and helping others among fellow traders nor traders with collector. REFERENCESAfifudin, Beni dan Ahmad Saebani. 2009. Metodologi Penelitian Kualitatif. Pustaka SetiaAl-Utsaimin, Syaikh Muhammad bin Salih. 2007. Syarah Riyadus Shalihin, jilid 3. Terjemahan Ali Nur. Jakarta Timur: Darus Sunnah Press.Alwasilah, A. Chaedar. 2002. Pokoknya Kualitatif. Jakarta: PT. Dunia Pustaka Jaya.Beekun, Rafiq Issa. 1997. Islamic Business Ethict, Virginia: International Institute of Islamic Thought.Departemen Pendidikan dan Kebudayaan. 1996. Kamus Besar Bahasa Indonesia Edisi Kedua. Jakarta: Balai Pustaka.Fuad,M.dkk. 2006. Pengantar Bisnis. Jakarta: PT Gramedia Pustaka Utama.Jusmaliani, M.E.dkk. 2008. Bisnis Berbasis Syariah. Jakarta: Bumi Aksara.Majalah Al-Hikmah. http://majalah.pengusahamuslim.co m/pemasaran-dalam-perspek tifislam/ jam 7.28 12 april 2013.Moleong, Lexy J. 2002. Metode Penelitian Kualitatif. Bandung. PT. Remaja Rosdakarya.Muhamad dan Lukman Fauroni. 2003. Visi Al-Qur’an Tentang Etika dan Bisnis. Jakarta: Salemba Diniyah.Muhammad, Irsyad. 2012. Etika Bisnis Dalam Perspektif Islam. Semarang: Pustaka AmaniMunawwir, Ahmad Warson. 1984. Kamus Al-Munawwir. Yogyakarta: PP. Krapyak.Naqvi, Syed Nawab. 1993, Ethict and Economics: An Islamic Syntesis, diterjemahkan oleh Husin Anis: Etika dan Ilmu Ekonomi Suatu Sintesis Islami. Bandung: Mizan.Pusat Pengkajian dan Pengembangan Ekonomi Islam (P3EI). 2008. Ekonomi Islam. Jakarta: PT. Raja Grafindo Persada.Sugiyono. 2011. Metodologi Penelitian Kuantitatif Kualitatif dan R&D. Bandung: ALFABETA. Surabaya Post. http://www.surabayapagi.com/inde x.php?3b1ca0a43b79bdfd9f9305b8 12982962457c689935c0e9fab661496 55f5f7917Susanto, Ahmad. 2009. Fiqih Muamalah. Yogyakarta: Kanisius.Titus, Harold H. dkk. 1984. Persoalanpersoalan Filsafat. H.M. Rosyidi (terj), Jakarta: Bulan Bintang.Wiranata, I Gede A.B. 2012. Etika Bisnis&Hukum Bisnis (Sebuah Pemikiran Awal ). Bandar Lampung: Penerbit Universitas Lampung.Yin, Robert K. 2009. Case Study Research: Design and Methods. Edisi Keempat. United States of America: SAGE Publications, Inc.
Kewirausahaan Sosial Pada Pondok Pesantren Sidogiri Pasuruan Azel Raoul Reginald; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 5 (2014): Mei-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (191.101 KB) | DOI: 10.20473/vol1iss20145pp333-345

Abstract

Joblessness and lack of social welfare are economic problems which require the involvement of all people to overcome. The education aspect which functions to prepare educated human resource also plays important roles in reducing the level of joblessness and increase the social welfare. Islamic Boarding School Sidogiri Pasuruan as an educational institution not only provides Salaf education materials, but gives social benefits through its social entrepreneurship program.The aim of this research is to discover the social entrepreneurship applied at Islamic Boarding School Sidogiri Pasuruan. This research uses qualitative descriptive approach, by using a qualitative research of case study. Technique of data collection applied in this research is through documents, interview, participatory observation, and documentation upon the informants selected by using purposive sampling methods.The results of the research show that the application of social entrepreneurship at Islamic Boarding School Sidogiri Pasuruan can be proven by the innovation of establishment of social entrepreneurship institution, i.e. Kopontren Sidogiri (Cooperative of Islamic Boarding School Sidogiri), Pustaka Sidogiri, Buletin Sidogiri (Sidogiri Buletin), BMT Maslahah, BMT UGT Sidogiri, BPRS UMMU Sidogiri dan Koperasi Agro Sidogiri (Sidogiri Agribusiness Cooperative). They have been established based on the ideas and roles of civil society of Islamic Boarding School Sidogiri Pasuruan to maintain the economic activities, i.e. the duty of delivering Islamic values (dakwah), business, and providing social values for the society around Islamic Boarding School Sidogiri Pasuruan. REFERENCESBadan Pusat Statistik. 2013. Keadaan Ketenagakerjaan Februari 2013. Berita Resmi Statistik No. 35/05/Th. XVI, 6 Mei 2013.Departemen Agama Republik Indonesia. 2009. Al-Qur’an dan Terjemahannya. Jakarta: PT. Sigma Examedia Arkanleena.Hadits Riwayat Muslim, Tirmidzi dan AnNasa’i serta terjemahannya.Herdiansyah, Haris. 2010. Metodologi Penelitian Kualitatif untuk IlmuIlmu Sosial. Jakarta: Salemba Humanika.Hulgard, Lars. 2010. Discourses of Social Entrepreneurship-Variation of The Same Theme? EMES European Research Network.Juwaini, Ahmad. 2011. Social Enterprise Transformasi Dompet Dhuafa menjadi World Class Organization. Jakarta Selatan: Expose (Mizan Group).Mair, Johanna dan Ignasi Marti. 2006. Definisi Kewirausahaan Sosial. Dalam Minako Sakai dan Kacung Marijan (Ed.), Mendayagunakan Pembiayaan Mikro Islami (hlm. 3). Australia: Crawford School of Economics and Government, Australian National University.Mawardi, Imron dan Muhammad Nafik HR. 2011. Business Network of Pesantren and Its Mashlahah (Case Study in PP Sidogiri Pasuruan East Java). Universitas Airlangga: Departemen Ekonomi Syariah.Naji, A. Saifulloh, dkk. 2012. “Pesantren Harus Mandiri”. Tamassya (Laporan Tahunan Pengurus Pondok Pesantren Sidogiri) 1432- 1433H. Edisi 10. Pasuruan: Sekretariat Pondok Pesantren Sidogiri. . 2013. “Babak Baru Pendidikan Usia Dini”. Tamassya (Laporan Tahunan Pengurus Pondok Pesantren Sidogiri) 1433-1443H. Edisi 11. Pasuruan: Sekretariat Pondok Pesantren Sidogiri.Priyanto, Sony Heru. 2009. “Mengembangkan Pendidikan Kewirausahaan di Masyarakat”. Andragogia-Jurnal PNFI, 1 (1): 57- 82.Qomar, Mujamil. 2005. Pengertian Pondok Pesantren. Dalam Basori Vadlan (Ed.), Hubungan antara Kelekatan Santri pada Ustadz dengan Motivasi Belajar Santri di Pondok Pesantren Assalafiyah Mlangi Nogotirto Gamping Sleman Yogyakarta. Skripsi tidak diterbitkan (hlm.19). Yogyakarta: Fakultas Tarbiyah UIN Sunan Kalijaga.Qozazirin, Azhar, dkk. 2008. Buku Panduan Guru: Kewirausahaan Sosial Berbasis Sekolah. Indonesia: British Council.Rahmat, Abdul. 2011. “Pendidikan Berwawasan Kewirausahaan pada Usia Dini”. Jurnal Pedagogika, Vol. 2 No. 1 Hal: 1. Universitas Negeri Gorontalo: Jurusan Pendidikan Luar Sekolah.Sakai, Minako dan Kacung Marijan (2008), Mendayagunakan Pembiayaan Mikro Islami.Australia: Crawford School of Economics and Government, Australian National University.Saputro, Maryono Nanang. 2012. Daftar HIPSI, (Online), (http://pesantrenmandiri.com/?p age_id=1492, diakses tanggal 27 September 2012).Sriharini. 2003. Pondok Pesantren dan Pemberdayaan Ekonomi Masyarakat. Yogyakarta: Jurnal PMI Media Pemikiran Pengembangan Masyarakat.Walsh, Mayra. 2001. Pondok Pesantren dan Ajaran Golongan Islam Ekstrim (Studi Kasus di Pondok Pesantren Modern Putri “Danur Ridwan” Parangharjo Banyuwangi). Malang: Studi Lapangan ACICIS Program Fakultas Ilmu Sosial dan Politik Universitas Muhammadiyah Malang.Yin, Robert K. 2012. Studi Kasus: Desain dan Metode. Edisi 1 Cetakan ke11. Jakarta: Rajawali Pers.
Pengaruh Tingkat Marjin Murabahah Terhadap Financing To Deposit Ratio dan Non Performing Financing Pada Bank Syariah di Indonesia Periode 2010-2012 Nareswari Saputro; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 6 (2014): Juni-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (192.478 KB) | DOI: 10.20473/vol1iss20146pp416-433

Abstract

This study aims to determine the effect of the murabahah margin rate to Financing to Deposit Ratio and Non Performing Financing on Indonesian Sharia Banks in the period 2010-2012. This study uses quantitative approach by using path analysis with three kinds of variables, which are murabahah margin rate as an exogenous variable, Financing to Deposit Ratio as an intervening endogenous variables and Non Performing Financing as an endogenous variable. The Sharia Banking industry is used as sample in this study, which consist of Sharia Comercial Banks (BUS) and Sharia Business Unit of a Conventional Bank (UUS). Furthermore, this study uses secondary data which conducted by collecting monthly financial statements for three years.The results showed that murabahah margin rate has significantly negative effect to Financing to Deposit Ratio (FDR) of Sharia Banking in Indonesia. Meanwhile, murabahah margin rate has significantly positive effect to Non Performing Financing (NPF). It also happens to the effects of Financing to Deposit Ratio (FDR) to Non Performing Financing (NPF) of Sharia Banks in Indonesia period 2010-2012. REFERENCESAnshori, Muslich Sri Iswati. 2006. Metodologi Penelitian Kuantitatif. Surabaya: Fakultas Ekonomi Universitas Airlangga.Antonio, Muhammad Syafi’i. 2011. Bank Syariah: Dari Teori ke Praktik. Jakarta: Gema Insani.Arifin, Zainul. 2009. Dasar-dasar Manajemen Bank Syariah. Revisi kedua. Jakarta: Azkia Publisher.Bank Indonesia. 2013. Statistik Perbankan Indonesia-Agustus 2013, (Online), (http://www.bi.go.id/, diakses 15 November 2013).Bank Indonesia. Peraturan Bank Indonesia Nomor 15/2/PBI/2013 tentang Penetapan Status dan Tindak Lanjut Pengawasan Bank Umum Konvensional. (online), (http://www.bi.go.id/, diakses 23 November 2013).Chorida, Luluk. 2010. Pengaruh Jumlah Dana Pihak Ketiga, Inflasi, dan Tingkat Marjin terhadap Alokasi Pembiayaan Usaha Kecil dan Menengah (Studi pada Bank-Bank Syariah di Indonesia). Skripsi tidak diterbitkan. Malang Fakultas Ekonomi Universitas Islam Negeri Maulana Malik Ibrahim.Djamil, Faturrahman. 2012. Penyelesaian Pembiayaan Bemasalah di Bank Syariah. Jakarta: Sinar Grafika.Jihad dan M. Nadratauzzaman Hosen. 2009. Faktor-faktor yang Mempengaruhi Permintaan Pembiayaan Murabahah Bank Syariah di Indonesia (Periode Januari 2004-Desember 2008). Dikta Ekonomi Perdana Wahyu Santosa. Volume. 6, No.2. (Agustus). Hal.101-112.Karim, Adiwarman A. 2007. Bank Islam: Analisis Fiqih dan Keuangan. Edisi Ketiga. Jakarta: PT. Raja Grafindo Persada.Muhammad. 2004. Manajemen dana Bank Syariah. Edisi Pertama. Yogyakarta: Ekonisia.Muhammad. 2005. Manajemen Pembiayaan Bank Syariah. Yogyakarta: UPP AMP YKPN.Muhammad. 2011. Manajemen Bank Syariah. Edisi revisi Kedua. Yogyakarta : UPP STIM YKPN.Republik Indonesia. Undang-Undang Nomor 21 Tahun 2008 tentang Perbankan Syariah. (online), (http://www.kemendagri.go.id/, diakses 17 November 2013).Rivai, Veithzal dan Arviyan Arifin. 2010. Islamic Banking: Sistem Bank Islam Bukan Hanya Solusi dalam Menghadapi Berbagai Persoalan Perbankan & Ekonomi Global. Jakarta: Bumi Aksara.Sholihah. 2013. Pengaruh Inlasi, GDP, Financing to Deposit Ratio, dan Return Pembiayaan Profit and Loss Sharing terhadap Non Performing Financing pada Perbankan Syariah di Indonesia. Skripsi tidak diterbitkan. Yogyakarta Fakultas Syariah dan Hukum Universitas Islam Negeri Sunan Kalijaga.Sholihin, Ahmad Irham. 2010. Buku Pintar Ekonomi Syariah. Jakarta: PT Gramedia Pustaka Utama.Soebagio, Hermawan. 2005. Analisis Faktor-faktor yang Mempengaruhi Terjadinya Non Performing Loan (NPL) pada Bank Umum Komersial (Studi Empiris pada Sektor Perbankan di Indonesia). Tesis tidak diterbitkan. Semarang Magister Manajemen Universitas Diponegoro.
Pengaruh Kinerja Sosial Terhadap Profitabilitas Bank Syariah Rosana Puspasari; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 7 (2014): Juli-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (170.357 KB) | DOI: 10.20473/vol1iss20147pp456-468

Abstract

This study aimed to investigate the effect of social performance to the profitability of sharia bank. This study uses quantitative approach with multiple regression analysis and four variables; they are Mudharabah-Musyarakah Financing, Qardh Financing, and Zakat as exogenous variables and Net income as endogenous variable.Based on findings, it revealed that Mudharabah-Musyarakah Financing and Zakat effect significantly positive to the net income of Sharia commercial bank. Meanwhile Qardh Financing has non-significantly effect to the net income of Sharia commercial bank. On the other hand, Musyarakah-Mudharabah financing, Qardh financing and Zakat simultaneously has significantly effect to the net income of Sharia commercial bank. REFERENCESAl-Jawziyyah, I.Q. 1995. I’lam alMuwaqqi’in. Kaherah.Almilia dan Wijayanto. 2007. Pengaruh Environmental Performance dan Environmental Disclosure terhadap Economic Performance. Proceedings The 1st Accounting Conference Depok.Antonio. 2001. Bank Syariah: Dari Teori Ke Praktik. Depok: Gema Insani danTazkia Cendikia.Astuti, Dewi. 2004. Manajemen Keuangan Perusahaan. Jakarta : Ghalia Indonesia.Carroll, A.B. 1979. A three-dimensional conceptual model of corporate social performance. Academy of Management Review,Vol. 4, pp. 97-505.Chapra, M. Umer. 2000. Sistem Moeneter Islam. Jakarta : Gema Insani Press dan Tazkia Cendikia.Clarkson, M. B. E. (1995). A Stakeholder Framework for Analyzing and Evaluating Corporate Social Performance. The Academy of Management Review.Departemen Agama RI. 2005. Al-Qur’an dan tafsirnya (Edisi yang Disempurnakan). Jakarta : Penerbit Lentera Abadi.Departemen Agama RI. 2005. Al Qur’an dan Terjemahan Al Jumaanatul’Alii. Bandung : CV Penerbit J-Art. Hameed et.al. 2004. Alternative Disclosure & Performance Measures for Islamic Banks. International Islamic University Malaysia.Iqbal, Zamir. 1997. Islamic Financial System, World Bank : Finance & Development. Kurniawan. 2010. Pengaruh Qardh terhadap Performa Bank Syariah Periode 2005:1-2008:12. Skripsi tidak diterbitkan. Surabaya Fakultas Ekonomi dan Bisnis Universitas Airlangga.Prawirosentono, Suyadi. 1999. Kebijakan Kinerja Karyawan. Yogyakarta : BPFERahman, A.R.A. dan Goddard, A. 1998. An Interpretive Inquiry of Accounting Practices in Religious Organisations. Financial Accountability and Management. Vol 14. No. 3. 184-190Ryandono, Muhammad. 2010. Peran dan Pengaruh Penghimpunan Dana dan Penyaluran dana serta Kinerja Bank terhadap Kesejahteraan Karyawan Bank Islam Perspektif Maqashid Syariah di Indonesia. Disertasi tidak diterbitkan. Surabaya Program Pascasarjana Universitas Airlangga.Samad dan Hassan. 2000. The Performance of Malaysian Islamic Bank during 1984-1997 : An explanatory study. International Journal of Islamic Financial Service. Vol. 1 No. 3.Samuelson, Paul A. dan William D. Nordaus. 2004. Mikro Ekonomi. Terjemahan. Jakarta : Erlangga.Sartono, Agus. 2001. Manajemen Keuangan Teori dan Aplikasi. Yogyakarta : BPEF-YOGYAKARTA.Tangkiisan, Hessel Nagi S. 2005. Manajemen Publik. Jakarta: Gramedia Widia.
Pengaruh Pembiayaan Murabahah Terhadap Laba Melalui Variabel Intervening Pembiayaan Bermasalah Bank Umum Syariah di Indonesia Periode 2009-2013 Zaim Nur Afif; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 8 (2014): Agustus-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.736 KB) | DOI: 10.20473/vol1iss20148pp565-580

Abstract

This study aims to investigate the effect of murabaha financing to profit through non performing financing as an intervening variable of islamic banks in Indonesia. This study uses quantitive approach with path analysis and three kinds of variables, they are murabaha financing as exogenous variable, non performing financing as intervening endogenous variable and profit as endogenous variable. The banks are used in this study is the Bank Muamalat Indonesia, Bank Syariah Mandiri, Bank Mega Syariah, Bank BRI Syariah, and Bank Syariah Bukopin. This study uses secondary data. Data collection is conducted by collecting semester financial statements for 2009-2013 period.The results obtained that, murabaha financing has positive effects to non performing financing. It also happens to the effect of murabaha financing to profit. Meanwhile, non performing financing does not have effect to profit. REFERENCESAntonio, Muhammad Syafi’i. 2001. Bank Syariah: Dari Teori Ke Praktik. Jakarta: Gema Insani PressArifin, Zainul. 2005. Dasar-Dasar Manajemen Bank Syariah. Jakarta: Alvabet Ascarya. 2007. Akad & Produk Bank Syariah. Jakarta: RajaGrafindo PersadaBungin, Burhan. 2005. Metode Penelitian Kuantitatif: Komunikasi, Ekonomi, dan Kebijakan Publik Serta IlmuIlmu Sosial Lainnya. Jakarta: Kencana Prenada Media GrupDjamil, Fathurrahman. 2012. Penyelesaian Pembiayaan Bermasalah di Bank Syariah. Jakarta: Sinar GrafikaFauzan, Fachrul. 2012. Pengaruh Tingkat Risiko Pembiayaan Musyarakah dan Pembiayaan Murabahah Terhadap Tingkat Profitabilitas Bank Syariah (Studi Pada Bank Aceh Syariah Cabang Banda Aceh), (Online), (www.academia.edu, diakses 5 Agustus 2014) Ferdinand, Augusty. 2006. Metode Penelitian Manajemen. Semarang: Badan Penerbit Universitas DiponegoroHapsari, Nadhifa Alim. 2013. Pengaruh Tingkat Imbalan Sertifikat Bank Indonesia Syariah (SBIS) terhadap Tingkat Pembiayaan dan Profitabilitas Bank Umum Syariah di Indonesia. Skripsi tidak diterbitkan. Surabaya FEB Universitas AirlanggaKuncoro, Mudrajad. 2002. Manajemen Perbankan: Teori dan Aplikasi. Yogyakarta: BPFEMankiw, N. Gregory. 2000. Teori Makro Ekonomi. Jakarta: Erlangga Muhammad. 2004. Manajemen Dana Bank Syariah. Yogyakarta: Ekonisia---------------. 2008. Metodologi Pemikiran Ekonomi Islam. Jakarta: Gema Insani Press---------------. 2011. Manajemen Bank Syariah. Yogyakarta: UPP Sekolah Tinggi Manajemen YKPNNurkhosidah, Siti. 2009. Analisis Pengaruh Variabel Non Performing Financing, Penyisihan Penghapusan Aktiva Produktif, Financing to Deposit Ratio, Biaya Operasional Per Pendapatan Operasional Terhadap Profitabilitas Pada Bank Syariah Mandiri. Skripsi tidak diterbitkan. Yogyakarta Fakultas Syariah Universitas Islam Negeri Sunan KalijagaOktriani, Yesi. 2011. Pengaruh Pembiayaan Musyarakah, Mudharabah dan Murabahah terhadap Profitabilitas (Studi Kasus Pada PT. Bank Muamalat Indonesia, Tbk.), (Online), (journal.unsil.ac.id diakses 19 September 2013)Pramuka, Bambang Agus. 2010. FaktorFaktor yang Berpengaruh Terhadap Tingkat Profitabilitas Bank Umum Syariah, (Online), (www.academia.edu diakses 9 Maret 2014)Riduwan, dan Kuncoro. 2008. Cara Menggunakan dan Memakai Analisis Jalur (Path Analysis). Bandung: AlfabetaRohman, Moh Thoifur. 2012. Aplikasi Manajemen Risiko Dalam Pengelolaan Dana Takaful Pendidikan (Studi Pada PT. Asuransi Takaful Keluarga Cabang Semarang). Skripsi tidak diterbitkan. Semarang Fakultas Syariah Institut Agama Islam Negeri WalisongoRubby, Muhammad. 2013. Analisis FaktorFaktor yang Mempengaruhi Profitabilitas (ROA) Bank Umum Syariah yang Terdaftar di Bursa Efek Indonesia Periode 2008-2011. Skripsi tidak diterbitkan. Medan FE Universitas Sumatera UtaraSantoso, Singgih. 2007. Panduan Lengkap Menguasai SPSS 16. Jakarta: Elex Media KomputindoSiamat, Dahlan. 2004. Manajemen Lembaga Keuangan. Jakarta: Lembaga Penerbit Fakultas Ekonomi Universitas Indonesia Sugiyono. 2010. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta
Pengaruh Financing To Deposit Ratio (FDR) Terhadap Return On Asset (ROA) Dengan Variabel Intervening Penempatan Dana Pada Sertifikat Bank Indonesia Syariah (SBIS) Pada Bank Syariah di Indonesia Al Ma'rifatul A'la; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 1 No. 8 (2014): Agustus-2014
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (261.354 KB) | DOI: 10.20473/vol1iss20148pp592-609

Abstract

This study aims to investigate the effect of Financing to Deposit Ratio (FDR) toward investment in Islamic Certificate of Bank Indonesia (SBIS), effect of investment in Islamic Certificate of Bank Indonesia (SBIS) toward Return on Asset (ROA), and effect of Financing to Deposit Ratio (FDR) toward Return on Asset (ROA) Islamic Bank in Indonesia.Methodology that used in this study is a quantitative approach. Technique analysis that used in this study is path analysis. Samples are used in this study collected from Islamic Bank Statistic Data issued by Bank Indonesia, January 2009 until October 2013, the total amount were 58 data.The results show that Financing to Deposit Ratio (FDR) has significantly negative effect on Islamic Certificate of Bank Indonesia (SBIS). Islamic Certificate of Bank Indonesia (SBIS) has not significantly effect on Return on Asset (ROA). Financing to Deposit Ratio (FDR) has significantly positive effect on Return on Asset (ROA). Financing to Deposit Ratio (FDR) with Islamic Certificate of Bank Indonesia (SBIS) as intervening variable have negative effect on Return on Asset (ROA) Islamic Bank in Indonesia. REFERENCESAnshori, Muslich dan Sri Iswati. 2009. Buku Ajar Metodologi Penelitian Kuantitatif. Surabaya: Airlangga University Press.Arifin, Zainul. 2006. Dasar-dasar Manajemen Bank Syariah Edisi Revisi. Jakarta: Pustaka Alvabet.Chaudhry, Muhammad Sharif, Dr., M.A., LLB., Ph.D. 2012. Sistem Ekonomi Islam Prinsip Dasar. Jakarta: Kencana.Departemen Agama RI. 2004. Al-Qur’an dan Terjemahnya. Bandung: Syaamil Cipta Media.Fatwa Dewan Syariah Nasional No: 64/DSN-MUI/XII/2007 tentang Sertifikat Bank Indonesia Syariah Ju’alah (SBIS Ju’alah).Ginting, Ramlan dkk. 2013. Kodifikasi Peraturan Bank Indonesia Likuiditas Rupiah Operasi Moneter, Operasi Moneter Syariah dan Sertifikat Bank Indonesia Syariah. Jakarta: PRES Bank Indonesia.Greuning, Hennie Van dan Zamir Iqbal. 2011. Analisis Resiko Perbankan Syariah. Jakarta: Salemba Empat.Hidayat, Mohamad, MBA. 2010. An Introduction to The Sharia Economic Pengantar Ekonomi Islam. Jakarta: Zikrul Hakim.Ismal, Rifki. 2010. Assessment of Liquidity Management in Islamic Banking Industry. International Journal of Islamic and Middle Eastern Finance and Management, 3 (2):147-167.Machmud, Amir, Dr, dan Rukmana, H. S.E., M.Si. 2010. Bank Syariah Teori, Kebijakan, Studi Empiris di Indonesia. Jakarta: Erlangga.Muhamad. 2006. Teknik Perhitungan Bagi Hasil dan Profit Margin pada Bank Syariah. Yogyakarta: UII Press Yogyakarta (Anggota IKAPI).Muhammad, Dr. M.Ag. 2002. Manajemen Bank Syari’ah. Yogyakarta: UPP STIM YKPN.Muhammad. 2005. Manajemen Dana Bank Syriah. Yogyakarta: Ekonisia.Rivai, Veithzal dan Arviyan Arifin. 2010. Islamic Banking Sebuah Teori, Konsep, dan Aplikasi. Jakarta: Bumi Aksara.Soemitra, Andri, M.A. 2009. Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana.Sugiyono, Prof. Dr. 2012. Metode Penelitian Kuantitatif Kualitatif dan R&D. bandung: Alfabeta.Sumarsono, V. A. Ryan. 2012. Pengaruh Konflik Pekerjaan dan Konflik Keluarga terhadap Kinerja Karyawan Wanita dengan Konflik Pekerjaan-Keluarga sebagai Variabel Intervening di CV. Anugerah Motor. Skripsi tidak diterbitkan. Surabaya Fakultas Ekonomi dan Bisnis Universitas Airlangga.
Co-Authors Achmad Hijri Lidnillah Achmad Hijri Lidnillah, Achmad Hijri Achmad Kharis Adhama, Gabriella Jodie Ainur Rachman Ainur Rachman, Ainur Ainur Rofiq Kurniawan Ajeng Gama Rosyida Al Ma'rifatul A'la Al Mustofa, Muhammad Ubaidillah Ambariyanto Ambariyanto Anisa Priyanka Jasmine Aprilidya Ayu Parandita Ananta Ardina Talitha Nidya Ari Prasetyo Ari Prasetyo Arifin, Nur Rachmat Ariska Oktavia Arni Dini Inayati Aufar Fadlul Hady Aulia Ramadhani Aysha Dhamaring Nugroho Azel Raoul Reginald Azel Raoul Reginald, Azel Raoul Bayu Wardhana Bintang Pratama Buana Putra Dewie Saktia Ardiantono Diamantin Rohadatul Aisy Dian Anggraini Dien Mardhiyah Dzikri Nurrohman Dzikri Nurrohman Eko Fajar Cahyono, David Kaluge Fakhrana, Fathaniadina Faridatun Nila Faridatun Nila Faridatun Nila Fary Adisetya Putra Fathaniadina Fakhrana Febrinda Eka Damayanti Firsty Izzata Bella Fithrotin Azizah Rahmah Fitri Nur Latifah Gabriella Jodie Adhama Gea Papurane Langi Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Huzein Satrio Prasetyawan Ilham Nur Agustha Ilham Nur Agustha, Ilham Nur Ilmiawan Auwalin Imam Sopingi Indi Masita Lisdawami Indra Kharisma Raharjana Insani, Taqiyah Dinda Insani, Taqiyah Dinda Ira Erlinawati Ira Erlinawati, Ira Ishma Amelia Jihad Jihad Jihad, Jihad Kurniawan, Ainur Rofiq Kusnul Ciptanila Yuni K. Mahmudah, Siti Nur Md Atiqur Rahman Sarker Mirna Ainurrachma Moch. Ali Fudin Al Islami Moh Fudholi Moh. Fudholi Moh. Fudholi Mohammad Haidar Risyad Mohammad Haidar Risyad Muhamad Nafik Hadi Ryandono Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Adlan Muhammad Ali Nuruddin Muhammad Sanusi Muhammad sanusi Muhammad Syauqi Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Muhammad Wicaksono Hasdyani Putra Muslich Anshori Muslich Anshori Muslich Anshori Mutmainah Mutmainah Nareswari Saputro Nareswari Saputro, Nareswari Nidya, Ardina Talitha Nikmatul Atiya Nila, Faridatun Norma Rosyidah Norma Rosyidah, Norma Nova Rini Nova Rini Novalia Nastiti Novalia Nastiti, Novalia Nur Rachmat Arifin Nur Rachmat Arifin Nuria Latifah Nurul Asfiah Nurul Asfiah Okyviandi Putra Erlangga Ongky Martha Dwiyananda Ongky Martha Dwiyananda, Ongky Martha Pramita Agustin Pramita Agustin, Pramita Puji Sucia Sukmaningrum Putra, Fary Adisetya R Moh Qudsi Fauzi R Wahyu Agung Utama R Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama Rachman Sugiharno Raditya Sukmana Ramdani Ramdani Rani, Lina Nugraha Renny Oktafia Renny Oktafia, Renny Ridan Muhtadi Rifqul Ma'isyah Ririn Tri Ratnasari Rosana Puspasari Rosana Puspasari, Rosana Samsidar Widiarso Setiyo Aji Shofal Iman Siti Maisaroh Siti Maisaroh Siti Nur Azizaturrohmah Siti Nur Azizaturrohmah, Siti Nur Siti Nur Mahmudah Siti Zulaikha Sri Herianingrum Sri Ningsih Sulaeman Sulaeman Sunan Fanani, Sunan Sunarno Sunarno Taqiyah Dinda Insani Taufan Indrasasmita Tika Widiastuti Tika Widiastuti Tjiptohadi Sawarjuwono Utama, R Wahyu Agung Utama, R. Wahyu Agung Wahyu Wibisono Wahid Wisudanto Wisudanto Yanuar Dharma Putra Yossy Imam Candika Zaim Nur Afif Zaim Nur Afif, Zaim Nur