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EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Published by STIE Syariah Indonesia Purwakarta
ISSN : 25992708     EISSN : 26548526     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Eksisbank Journal is open access published by the Sharia Economic Study Program and Syariah STIES Banking Indonesia Purwakarta. The main objective of Eksisbank is to provide a platform for scholars, academics and international researchers to share contemporary thoughts in the fields of accounting, taxation, sharia financial management, marketing management, Human Resource management, Islamic capital markets, strategic management, risk management, sharia economics , entrepreneurship, and the sharia banking business in the form of research results, feedback articles, and case reports. It also aims to promote sharia economic studies and Islamic banking, thereby becoming a leading international journal in the field of Islamic economics and Islamic banking in the world.
Arjuna Subject : -
Articles 108 Documents
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Implementasi Akad Murabahah Pada Produk Pembiayaan Di Lembaga Keuangan Non-Bank (Studi Kasus BMT Cahaya Kebajikan) Fitri Anisa; Imam Prawoto; Fitri R. Sunarya
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.818

Abstract

Islamic non-bank financial institutions in Indonesia include Islamic insurance, Islamic cooperatives, Islamic capital markets and so on. Along with the times, the presence of non-bank financial institutions is starting to be favored by the public and in its implementation it must comply with sharia principles. The purpose of this study is to find out and understand how the Murabahah Contract is for Financing Products at BMT Cahaya Virtue and how the DSN-MUI Fatwa review regarding the implementation of the Murabahah Agreement for Financing Products at BMT Cahaya Virtue. This research method uses a combination method (mix method) with a concurrent triangulation design. The data was obtained by means of interviews, observations and in-depth questionnaires/questionsnaires to customers and members of BMT Cahaya Virtue, Bekasi City, in 2022, totaling 47 respondents and 10 informants. The results showed that the implementation of the Murabahah Contract on Financing Products at BMT Cahaya Virtue has been going well, but there are some discrepancies from the aspect of the customer's intention to purchase goods. Based on the research results, there are several customers who apply for murabahah financing not to buy goods but for other needs such as home renovations, paying for education fees and for non-purchasing purposes. In terms of the DSN-MUI Fatwa Review regarding the implementation of Murabahah Contracts on Financing Products at BMT Cahaya Virtue based on the results of data analysis, it can be seen that the Implementation of Murabahah Contracts on Financing Products at BMT Cahaya Virtue is very good.
Peran Kredit Usaha Rakyat Syariah Dalam Meningkatkan Kesejahteraan Usaha Budidaya Perikanan Fansuri Farm (Anggota Kelompok Ikan Sadar Jati Mulyo) Silvi Yurike Farera; Dianita Meirini
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.827

Abstract

Sharia People's Business Credit is a regulatory program from the government specifically aimed at Micro, Small and Medium Enterprises as a source of capital. This study aims to determine the welfare of the Fansuri Farm aquaculture business on the use of Sharia People's Business Credit in terms of indicators of income level, expenditure level, education level, health level, living conditions and facilities. This research method is qualitative, with the type of case study research. Data collection techniques using interview and observation methods. The results of the study can be concluded that Fansuri Farm feels a significant impact on the use of Sharia People's Business Credit financing where increased welfare and business development can be seen from the increase in the number of ponds and fish capacity. The advantage of Fansuri Farm fish farming is that it already has a wide market share, while the obstacles are declining fish prices and slowly rising fish feed prices.
Sertifikasi Halal Industri pada Produksi Barang Gunaan Kemasan (Packaging) di PT. Indonesia Toppan Printing Rahmat Aji Nuryakin; Triana Apriani; Setiadi Setiadi; Dadin Solihin; M. Anton Athoillah
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.848

Abstract

The research background examines the extent to which the domestic halal industrial ecosystem can dominate the domestic and global markets. Halal industrial estates must be able to support the needs for sources of raw materials and production that are halal certified, one of which is the Indonesian Packaging Company Toppan Printing. The aim of this research is to find out the elements and substances used in the manufacture of packaging used by PT. Indonesia Toppan Printing. This is done, among others, to realize the development of Halal Industrial Zones (KIH) in various regions of Indonesia, especially in West Java Province. This study uses descriptive qualitative research methods, data collection techniques through interviews, observation and documentation through the official website, scientific papers and literature. The data analysis technique uses descriptive analysis with the stages of data reduction, data presentation and conclusion. The results of this study can be concluded that the halal certification of plastic and paper packaging used for food, beverages, medicines, and toiletries (soap, toothpaste, shampoo, detergent, floor deodorizer, and clothes fragrance) produced by PT. ITP is part of the obligation for products that must be halal certified in accordance with Law Number 33 of 2014 concerning Guarantees for Halal Products, Government Regulation (PP) Number 31 of 2019 and Minister of Religion Regulation (PMA) Number 26 of 2019, as well as the latest regulations based on Law Number 39 of 2021, especially Article 14 where the clause states that "Place and Equipment for Processing Halal Product Packaging" is the object of study for halal certification, namely the packaging of company product packaging that becomes the halal industrial market brand for its consumers.
Penerapan Asuransi Dan Akad Murabahah Pada Pembiayaan KPR Di BTN Syariah KC Bandung Ira Juniarti; Dede Sumiati; Dian Rosinawati
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.849

Abstract

Mortgage financing to provide livable and comfortable housing by simply providing a down payment, and the rest is paid in installments every month. Mortgage financing also includes insurance coverage to anticipate if a customer dies and a way for the bank to minimize losses and risks. Qualitative research was conducted to find out the Application of Insurance and Murabahah Contracts in KPR Financing at BTN Syariah KC Bandung which was carried out by studying literature related to Islamic Banking, interviews, and financing procedures. The results of this study are that the application of a murabahah contract at BTN Syariah KC Bandung is used to provide mortgage financing in accordance with the results of the analysis carried out by the bank on prospective customers. First, the bank will inform the assessment of the location and house that the customer wants to own, fit to live in, and is considered comfortable to live in. Second, the customer prepares the required documents for submitting mortgage financing at the BTN Syariah bank. Third, the BTN Syariah bank will consider and assess the completeness of the prospective customer's files, as well as carry out a 5C analysis of the prospective Bank BTN Syariah KPR customers. Fourth, if the results of the analysis are feasible to finance, then proceed to the KPR financing disbursement stage. Fifth, installment payments are made every month according to the agreed period. Furthermore, the application of insurance to KPR financing at BTN Syariah KC Bandung in the form of a customer before signing in front of a notary, the bank asks the customer to prepare a down payment of 10–20% of the property price, booking fee fee, 1% provision fee of the total ceiling, fees credit agreement notary, APHT guarantee costs around 0.25% of 125% credit value, deed of sale and transfer of title, costs of acquisition of building land rights (BPHTB), fire insurance costs, and credit life insurance costs.
Analisis Kinerja Keuangan Perbankan Syariah Menggunakan Metode CAMEL di PT. Bank Tabungan Pensiunan Nasional Syariah Periode 2019-2022 Moch Cahyo Sucipto; Rian Zaenal; Jalaludin Jalaludin; Ayi Nurbaeti
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.469

Abstract

For banking institutions, the role of financial performance is very important. Because, if the financial performance of a bank has a good predicate, it can directly increase public confidence in making loans or investing. The fluctuating JCI in stock exchange trading certainly affects the stock performances of several issuers, including BTPN Syariah. BTPN Syariah shares have fluctuated from 2019 - 2022. And 38.77% of foreign sales have occurred, so it is very interesting to conduct this research. The purpose of this study was to determine the financial performance of Islamic banking based on the CAMEL (Capital, Asset, Management, Earning and Liquidity) method at PT. Sharia National Pension Savings Bank for the 2019-2022 Period. This study uses a descriptive method with a quantitative approach. Based on the results of the discussion above, it can be concluded that the health level of BTPN Syariah for the 2019-2022 period is based on: 1). Capital (capital) received the title "Very Healthy". Because the CAR value obtained is greater than 12% in accordance with Bank Indonesia regulations; 2). Assets (Quality of Earning Assets) received the title “Healthy”, because the KAP value obtained was below 10.35%; 3). Management (Management) by assessing the level of NPM (Net Profit Margin) gets the predicate "Sufficiently Healthy", because the NPM value obtained is in the range of 66%-81%; 4). Earning (profitability) uses two ROA and BOPO ratios, ROA for 2019-2022 gets the "Very Healthy" category, because the ROA value obtained is above 1.5%. Meanwhile, the health level of the BOPO ratio for the 2019-2022 period is in the "Very Healthy" predicate, because the BOPO value obtained is smaller than 94%. 5). Liquidity (Liquidity) using the ratio of FDR (Finance to Deposit Ratio) obtained the predicate "Sufficiently Healthy", because the FDR value obtained is in the range of 85%-100%. Furthermore, based on the results of calculating the soundness level of BTPN Syariah in 2019-2022 using the CAMEL method, it is in the "Healthy" position, because the resulting CAMEL value is in the range of 81-100, meaning that BTPN Syariah banks during the 2019-2022 period are considered capable of managing finances or performance. Islamic banking finance well.
Pengaruh Etika Komunikasi dan Kepemimpinan Islam Terhadap Kinerja Karyawan (Studi Kasus Rumah Produksi Rotte Factory Kota Pekanbaru) Hendra Eka Saputra; Ficha Melina
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.751

Abstract

This work discusses good Communication Ethics and the meaning of embedding a description of Communication Ethics in employees, which relates to ethical (moral) norms. Communication Ethics which plays a very important role is useful for a leader because it can be a means of monitoring behavior or behavior in everyday life. Communication is inseparable from the leadership carried out by a leader in an agency or institution. In addition to communication, a leader who is Muslim should be an example for employees. Discourses about leadership and boss problems are something that never stops talking from time to time. None other than the past, the present and the future, many of the above have been reviewed and analyzed from various points of view. Everything is related from where one views and discusses the problem of an object. The object of this study is the ethics of communication and Islamic leadership at the Rotte Factory production house in Pekanbaru. The purpose of this study aims to determine the effect of communication ethics and Islamic leadership on the performance of Rotte Factory employees. This type of research uses quantitative where previously a field survey was carried out with a total of 170 employees as a population and according to Sugiono, a minimum sample of 30 people was determined. Questionnaire distribution uses network technology with the Googleform platform, and data processing uses PLS SEM which is made easy using Microsoft Excel. The results of the research are testing the hypothesis that there can be described that communication ethics on employee performance shows the number -.0.381 with a tolerance of 0.05 so that the effect simultaneously has no effect. However, it produces a negative effect between communication ethics on employee performance where the tolerance number is still below 0.05 with an acquisition of 0.020 which means it has no significant effect. Meanwhile, leadership style affects employee performance with an assumption of 0.517, there is a tendency to increase leadership style so that employee performance can have a direct impact. The number 0.002 can be interpreted that the influence arising from the leadership style on employee performance is positive and significant.
Analisis Indikator Keberkahan Berzakat Bagi Muzakki pada Badan Amil Zakat Nasional (BAZNAS) Kota Makassar Andi Muhammad Jaka Danto; Muslimin Kara; Trisno Wardy Putra
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.761

Abstract

The Islamic economic system is a moderate system that values private property and its development on conditions through justified means, does not tyrannize others, and has a very close relationship with the great Islamic morals and ethics. This article will describe the zakat blessings for Muzakki at BAZNAS Makassar City. This research is a type of field research that uses a qualitative approach. The results of the study show that the Islamic economic system is a moderate system that respects private property and its development with conditions through justified means, does not tyrannize others, and has a very close relationship with the great Islamic morals and ethics. The desired justice in the Islamic economic system does not solely lie in production and how to obtain it but also in its distribution and use, or utilization.
Analisis Tingkat Literasi Keuangan Syariah UMKM di Tasikmalaya Qiny Shonia Az Zahra; Elis Nurhasanah
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 7 No 1 (2023): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v7i1.816

Abstract

Islamic financial inclusion and literacy has a fairly high gap with financial inclusion and literacy in general. Likewise with MSMEs, which are one of the driving wheels of the economy, the level of Islamic financial literacy is not yet known, especially for MSMEs in Tasikmalaya. The purpose of this study was to determine the level of Islamic financial literacy in food and beverage SMEs in Tasikmalaya. The research method uses the mix method, questionnaires using the guttman scale. The results showed that the level of MSME Islamic financial literacy in Tasikmalaya was in the low category, namely 41.6 percent. or are in the low category. Therefore socialization and promotion related to Islamic financial literacy are needed by MSMEs to increase knowledge and increase the level of MSME Islamic financial literacy in Tasikmalaya.

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