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Muqtasid: Jurnal Ekonomi dan Perbankan Syariah

muqtasid
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Published by Institut Agama Islam Negeri Salatiga

ISSN : 20877013 EISSN : 25278304 DOI : -

Core Subject : Economy,

Economics, Econometrics & Finance

Muqtasid: Jurnal Ekonomi dan Perbankan Syariah (Muqtasid), with registered number ISSN 2087-7013 (Print) and ISSN 2527-8304 (Online), is a peer-reviewed journal published two times a year (January-June, and July-December) by Faculty of Islamic Economics and Business, IAIN Salatiga. Muqtasid is intended to be the journal for publishing articles reporting the results of research on Islamic Economics and Banking.

Arjuna Subject : -

Articles 175 Documents

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The Effect of Financial Performance toward Profit-Sharing Rate on Mudharabah Deposit of Sharia Banking in Indonesia Heri Sudarsono; Miranti Aprilia Saputri
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Abstract This study aims to determine the effect of financial performance in the form of Return On Assets (ROA), Operational Expense to Operating Income (OER), Finance to Deposits Ratio (FDR), Non Performing Finance (NPF), and Interest Rate to profit-sharing rate on mudharabah deposit of Sharia banking in Indonesia period 2011.1 to 2017.10. Data analysis method used is Auto-Regressive Distributed Lag (ARDL) which can analyze the relation between independent variable to dependent variable in long term and short term. The results of data analysis show that in the short term ROA and OER variable negatively affect the profit-sharing rate mudharabah deposits. While the variable of FDR and Interest rate have positive effect to profit-sharing rate of mudharabah deposit, on the other hand NPF variable does not affect to profit-sharing level of mudharabah deposit. Meanwhile in the long run the variable of FDR and OER have negative effect, the variable of Interest rate has positive effect. Meanwhile, the ROA and NPF variables do not affect the profit-sharing of mudharabah depositsAbstrak Penelitian ini bertujuan untuk mengetahui pengaruh kinerja keuangan berupa Return On Asset (ROA), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Finance to Deposits Ratio (FDR), Non Performing Finance (NPF), dan Suku Bunga terhadap tingkat bagi hasil deposito mudharabah pada perbankan syariah di Indonesia periode tahun 2011.1 sampai 2017.10. Metode analisis data yang digunakan adalah Auto-Regressive Distributed Lag (ARDL) yang dapat menganalisa keterkaitan antara variabel independen terhadap variabel dependen dalam jangka panjang dan jangka pendek. Hasil analisis data menunjukkan bahwa dalam jangka pendek variabel ROA dan BOPO berpengaruh negatif terhadap tingkat bagi hasil deposito mudharabah. Sedangkan variabel FDR dan Suku Bunga berpengaruh positif terhadap tingkat bagi hasil deposito mudharabah, dilain pihak variabel NPF tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Dan dalam jangka panjang variabel FDR dan BOPO berpengaruh negatif, variabel Suku Bunga berpengaruh positif. Sementara itu, variabel ROA dan NPF masing-masing tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah

Hawalah sebagai Alternatif Pembiayaan Multijasa di Lembaga Keuangan Syariah Ahmad Syakur
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Islamic banking and other Islamic financing institution need more inovationand to multiply the kind of transaction so that not to stay behind by conventional financing instituon. In the otherhand, hawalah that we know in the study of fiqh mu’amalah do not develop optimately in the Islamic economy institution. The application of hawalah in Islamic banking is little and not popular, whereas by little inovation, hawalah can be the alternative transaction. This article is an exertion to create the financing concept of multijasa Islamic Banking that more acceptable and more simple by using the hawalah contract with little inovation. That is the combination between hawalah bi al-ujrah contract and wakalah contract, as the alternative financing for increasing monetary instruments bases the sharia. So the strong and healty financing institution is realized without leaving the sharia

Nazhir Profesional Kunci Kesuksesan Wakaf Produktif Murtadho Ridwan
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2012): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Nazhir in waqf activities does not constitute as one of its principles (rukn). But, in its execution or implementation of asset management, Nazhir has a central role. The development and decrease of waqf assets management depends on Nazhir. Nazhir has a strategic position and function in the management and development of waqf, therefore, the role of Nazhir is really needed anytime and anywhere. However nowadays there are many Nazhir that can not manage waqf well so a problem of consumptive waqf arises. To solve the problem; consumptive waqf should be changed to productive waqf, individual Nazhir should be changed to institutional Nazhir and traditional Nazhir should be changed to professional Nazhir. Actually professional Nazhir has an obligation to manage and maintain the waqf property. Professional Nazhir that recruited must have the ability of Islamic law, waqf law and modern business management. Thus Nazhir will be able to carry out its duties and obligation in managing waqf optimally in accordance with the expectations of Wakif. In conclusion professional Nazhir must have the capability of: human skill, human technical and human relation

PERKEMBANGAN DAN PROSPEK SUKUK TINJAUAN TEORITIS Wiwin Kurniasari
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 5, No 1 (2014): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Sukuk merupakan kesempatan emas bagi individu rakyat Indonesiauntuk ikut berpartisipasi menyukseskan pembangunan negara. Untuk masyarakat muslim, ini merupakan instrumen investasi yang sangat amandan sesuai syariah yang dikeluarkan negara khusus untuk individu rakyatIndonesia. Keuntungan yang diperoleh dapat memberikan penghasilanberupa imbalan atau nisbah bagi hasil yang kompetitif, investor memperolehimbalan yang lebih tinggi dari ratarata tingkat bunga deposito bank BUMN.Pembayaran imbalan dan nilai nominal sampai dengan sukuk jatuh tempodijamin oleh Pemerintah. Imbalan bersifat tetap dan dibayarkan setiap bulansampai dengan jatuh tempo. Dapat diperjualbelikan di pasar sekunder sesuaidengan harga pasar, sehingga investor berpotensi mendapatkan capitalgain di pasar sekunder. Investasi yang aman, karena dijamin oleh UndangUndang. Investasi yang menentramkan, karena tidak bertentangan denganprinsipprinsip syariah seperti riba (usury), gharar (uncertainty), dan maysir(gambling). Prosedur pembelian dan penjualan yang mudah dan transparan.

Konsep Pasar Modal Syariah Akhmad Faozan
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Economic development of a country cannot be separated from the capital market. Capital market serves as a means to mobilize public funds and to search the ownership of shares of a company by selling it. Islamic capital market serves as an investment medium for Muslims in the capital market that is in line with Islamic principles. Some criteria for the establishment of the Islamic capital market are forming price fairly, the presence of perfect information, free from riba, gharar, gambling and other transactions that contradict against sharia rules. Stocks traded in the Islamic capital market should come from issuers that meet the Islamic criteria and bonds issued should use mudarabah, musharaka, ijara, istisna' and salam.

Analisis Perbandingan Kinerja Keuangan antara Bank Syariah dan Bank Konvensional (Studi Kasus pada Bank Syariah Mandiri dan Bank Mandiri) Yusvita Nena Arinta
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This study aims to analyze the performance of Sharia Bank and ConventionalBank viewed from financial ratio and to find the significant difference comparedto the performance of Islamic Bank and Conventional Banks viewed from financial ratio. This is a quantitative research. The data were taken from banks that published annual financial reports namely PT Bank Syariah Mandiri and PT. Bank Mandiri from 2011 to 2015. The analysis technique used in this research is financial ratio and t test. The results of this study showed that there is a significant difference between the performance of PT. Bank Syariah Mandri compared with PT. Bank Mandiri and, PT. Bank Syariah Mandiri has a better performance compared to that of PT. Bank Mandiri

Komparasi Kinerja Perbankan Syariah dengan Bank Konvensional: Suatu Studi Literatur Fany Indriyani
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This article looks at how the development of Islamic banking performancein recent years when compared with the performance of conventional banks.This article compares the results of several studies that have been conductedon the two types of banking. The previous study using financial ratios to look at the financial performance of banks. Based on some previous research, there are several measuring tool used to view the performance of both Islamic and conventional banking, is to approach CAMELS (Capital, Assets, Management, Earnings, Liquidity and Market Risk Sensitivity). The ratio used in CAMEL ratios include profitability ratios, liquidity risk and credit risk. In general the results obtained from these studies are not found significant differences in the performance of Islamic and conventional banking. As for some of the differences that exist more on smaller credit risk in Islamic banks and the greater liquidity in Islamic banks. This is a good signal for the development of Islamic banking both nationally and internationally.Artikel ini melihat bagaimana perkembangan kinerja perbankan syariah beberapa tahun belakangan ini jika dibandingkan dengan kinerja bank konvensional. Artikel ini membandingkan hasil beberapa penelitian yangtelah dilakukan terhadap kedua jenis perbankan tersebut. Penelitian terdahulumenggunakan beberapa rasio keuangan untuk melihat kinerja keuanganperbankan. Berdasarkan beberapa penelitian terdahulu terdapat beberapaalat ukur yang digunakan untuk melihat kinerja baik perbankan syariah maupun konvensional, yaitu dengan pendekatan CAMELS. Adapun rasio yang digunakan dalam rasio CAMEL meliputi rasio profitability, liquidity risk, dan credit risk. Secara umum hasil yang diperoleh dari beberapa penelitian tersebut adalah tidak ditemukan adanya perbedaan yang signifikan dalam kinerja perbankan syariah maupun konvensional. Adapun beberapa perbedaan yang ada lebih pada risiko kredit yang lebih kecil pada bank syariah dan likuiditas yang lebih besar pada bank syariah. Hal ini merupakan sinyal yang baik bagi perkembangan perbankan syariah baik secara nasional maupun internasional.

Faktor-Faktor yang Mempengaruhi Minat Mahasiswa Menjadi Anggota KSPM UIN Walisongo Semarang dalam Perspektif Islam Sokhikhatul Mawadah; Fernaldi Anggadha Ratno
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This study aims to measure and analyze the influence of religious stimuli, knowledge, creativity and reputation towards interest of becoming a member of KSPM UIN Walisongo Semarang and to see which variables are the most dominant influence in deciding to become members of KSPM UIN Walisongo Semarang. This is field research. The method used to collect the data is questionnaire distributed to the whole population (KSPM board). The dependent variable or variable Y is interest and independent variable or variable X is religious stimuli, knowledge, creativity and reputation. Based on the research result, it can be concluded that first, religiousvariable of stimuli has positive and significant influence; second, knowledge variable has positive and significant influence; third, creativity variable has not positive influence; and fourth, reputation variable has positive and significant influence and it becomes the most dominant variable in influencing students’ interest to become member of KSPM UIN Walisongo Semarang. Primary data was obtained directly from questionnaires distributed to KSPM Walisongo members. Secondary data is obtained from literature, journals, magazines, newspapers, or data related to this research.Penelitian ini bertujuan untuk mengukur dan menganalisa pengaruh religius stimuli, pengetahuan, kreativitas dan reputasi berpengaruh terhadap minat menjadi anggota KSPM UIN Walisongo Semarang dan melihat variabel mana yang yang paling dominan pengaruhnya dalam memutuskan menjadi anggota KSPM UINWalisongo Semarang. Penelitian ini merupakan jenis penelitian lapangan, yaitupenelitian dimana informasi dikumpulkan melalui penggunaan kuesioner, dengan melibatkan seluruh populasi (pengurus KSPM) melalui penggunaan kuesioner. Dalam penelitian ini variabel terikat (dependent variable) atau variabel Y adalah minat dan variabel bebas (independent variable) atau variabel X adalah religius stimuli, pengetahuan, kreativitas dan reputasi. Berdasarkan hasil penelitian dapat diambil kesimpulan bahwa pertama, variabel religius stimuli terdapat pengaruh yang positif dan signifikan, kedua, variabel pengetahuan terdapat pengaruh yang positif dan signifikan, ketiga variabel kreativitas tidak terdapat pengaruh yang positif, dan keempat, variabel reputasi terdapat pengaruh yang positif dan signifikan serta menjadi variabel yang paling dominan dalam mempengaruhi minat mahasiswa menjadi anggota di KSPM UIN Walisongo Semarang. Penelitian ini merupakan jenis penelitian lapangan, yaitu penelitian dimana informasi dikumpulkan melalui penggunaan kuesioner, dengan melibatkan seluruh populasi. Data primer diperoleh langsung dari penyebaran kuesioner kepada anggota KSPM Walisongo. Data sekunder diperoleh dari literatur, jurnal, majalah, koran, atau data-data yang berhubungan dengan penelitian

Manajemen Sumber Daya Manusia (MSDM) dalam Perspektif Ekonomi Syariah: Studi Kritis Aplikasi MSDM pada Lembaga Keungan Publik Islam Ruslan Abd. Ghofur
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

This Paper tries to discuss about the Islamic concept dealing with the human resource management issues. Sharia Management offers a solution by returning back to Islamic morals so that the formed social system is in line with Islamic teachings that create a conducive environment to carry out worship, to enact or practice law and to apply the ethics of Islam, which resulted in the creation of social systems that promote justice. The creation of these conditions are believed to always makes an individual (a muslim) in the awareness that Allah is always with him in every step so that whatever was done would be held its accountability and the formed values will create the Islamic ethics in a society that will always be practiced wherever he goes and lives, both inside and outside the organization. Keywords: management, human resource, ethics of Islam

Faktor-Faktor yang Mempengaruhi Perilaku Kewirausahaan Enterpreneur Muslim Salatiga Mochlasin Mochlasin; Wahyu Krisnawati
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2016): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhiperilaku kewirausahaan mahasiswa Jurusan Perbankan Syariah FakultasEkonomi dan Bisnis Islam IAIN Salatiga. Penelitian ini menggunakan variabelindependen pendidikan kewirausahaan, lingkungan dan kepribadian, sedangkanvariabel dependennya perilaku kewirausahaan. Populasi dalam penelitianini adalah mahasiswa Jurusan Perbankan Syariah S-1 Fakultas Ekonomi danBisnis Islam IAIN Salatiga angkatan 2012. Jumlah mahasiswanya adalah103. Pengambilan sampel dengan menggunakan random sampling. Teknikyang digunakan adalah analisis uji reliabilitas, uji validitas, uji asumsi klasikdan uji statistik. Pengujian hipotesis menggunakan uji t, uji F dan R. Hasilpenelitian ini menunjukkan bahwa Pendidikan Kewirausahaan, Lingkungandan Kepribadian secara bersama-sama (simultan) mempengaruhi PerilakuKewirausahaan. Akan tetapi jika secara individu Pendidikan Kewirausahaanberpengaruh positif dan signifikan terhadap Perilaku Kewirausahaan,Lingkungan berpengaruh positif tetapi tidak signifikan terhadap PerilakuKewirausahaan, Kepribadian berpengaruh positif dan signifikan terhadapPerilaku Kewirausahaan

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Agung Guritno

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agung.guritno@gmail.com

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Journal Mail Official
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Kota salatiga,

Jawa tengah

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