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EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
ISSN : 25992708     EISSN : 26548526     DOI : -
Core Subject : Economy,
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.
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Articles 108 Documents
Pengaruh Perilaku Berdagang Terhadap Keuntungan Penjualan Pada Pedagang Sembako Di Pasar Tradisional Pabuaran Subang Seliwati Seliwati
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 1 (2019): 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.v3i1.57

Abstract

After the global economic crisis since 2008 many economic experts from various countries, especially in the West. Looking for alternative economic concepts that are more established to be implemented in order to get out of the global economic crisis. One alternative is the concept of Islamic economics or Islamic economics which is currently in great demand. With so many delinquency cases of business people or business, Islamic business ethics is very reference to business people so that they do not do too much delinquency in their many previous businesses. Lately, the rules of Islamic business ethics have quickly become the spotlight of various circles for his efforts to be more blessed, to develop according to the Shari'a without cheating in obtaining business profits, especially among medium-sized Islamic business ethics. The research formulation in this thesis is: (1) is there an effect of trading behavior on the profit of the sale of the basic needs traders with the ethical study of Islamic business? (2) how big is the effect of trading behavior on sales profits on basic food merchants with the study of Islamic business ethics? The purpose of this study was to determine the effect of merchant behavior on the profit of sales at the sembako merchants in the traditional Pabuaran market with the study of Islamic business ethics, and to find out the magnitude of the effect of trading behavior on the profit of sales at sembako merchants in the traditional Pabuaran market based on the study of Islamic business ethics. The method used in this research is quantitative descriptive. Analysis of the data using normality, validity, reliability and linearity test, t and Rsquare test processing the data using SPSS 22 for windows. With the results obtained in this study the level of influence of variable X on variable Y, from the results of Rsquare values ​​the effect of independent variables (trading behavior) on the dependent variable (sales profit) of 48,9%, while the remaining 51,1% is determined by the influence of factors others that were not explained in this study. Based on the results of research and discussion of research it can be concluded that profits are influenced by the trading behavior of each trader. From the results of research, traders in Pabuaran Market have implemented Islamic business ethics with every trade transaction without selling defective or defective items that are not suitable for sale, do not reduce the scale or exaggerate but are adjusted to the needs of the buyer, fair in providing services that do not differentiate - the difference between buyers is still valid honest and friendly.
Building Corporate Image Through Integrated Marketing Communication and Service Quality on Islamic Bank in Bandung Resanti Lestari; yuyun Ratna; Vina Anggilia
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 1 (2019): 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.v3i1.60

Abstract

Purposes. Aim of this research is to examines the effect of integrated marketing communications and Service Quality to the company 's image in Islamic banks in Bandung.Design/methodology/approach.This study is conducted in Bandung city and using Quantitative research design.The purpose of this study is to understand the perception of respondents towards their experience about corporate image in Islamic banking. this study were obtained by distributing survey questionnaire to a sample of 50 Owner Bank Syariahiness Enterprise in Bandung. Study assigned with purposive sampling which is particuar individuals are chossen with the characteristic relevant to the study who are thought will be most informative. Data analysis has been used Path Analysis. Findings this research. Corporate Image model on Islamic Bank in Indonesia is formed by performance of marketing communications and Service Quality. The second conclusion is Based on empirical evidence that obtained a correlation coefficient of 0.801, This shows that there is a very strong relationship between Integrated Marketing Communication and Service Quality simultaneously on Company Image. Coefficient determination for this model gained 0.641, this shows that Integrated Marketing Communication and Service Quality have an effect of 64.1% on Company Image, while the remaining 35.9% is explained by other things. F test is 41,957, this shows that simultaneously there is a significant influence between Integrated Marketing Communication and Service Quality on Company Image. And partialy the Integrated Marketing Communication variables directly affect of 62,1%. While the direct influence of Service Quality on the Company's image is 28,6%. Conclussion There are two conclusions of this study, the first is Model of the company's image is affected by marketing communications and service quality. The second conclusion Integrated Marketing Communication and Service Quality have an effect both partially and simultaneously on corporate image.
Pengaruh Rasio Utang Terhadap Hasil Pengembalian Investasi Pada PT Jamkrida Jabar Euis Hernawati; Nur Hasanah
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 1 (2019): 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.v3i1.62

Abstract

This research was aimed to determine the influence of debt ratio to the return on investment at PT Jamkrida Jabar. The research method used was quantitative method, while the data collection techniques used were by observation and literature study. The data management used SPSS (statistical product and service solutions). From the research conducted, it was obtained the correlation coefficient of 0,984 indicated that there is a very strong influence of debt ratio to the return on investment (ROI) at PT Jamkrida Jabar. While the coefficient of determination is 96,8% indicated that the return on investment influenced by the debt ratio and remaining 3,2% was influenced by other factors. The Suggestion that can be given by the writer that the company expected to use their own capital to finance its assets, in order to avoid obstacles that will result in increased assets financed by debt so that the company’s revenue may increase.
Sektor Informal Sebagai Ketahanan Pangan Dalam Pilar Pertahanan Ekonomi Demokrasi Rina Nurhayati
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 2 No 1 (2018): 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.v2i1.6

Abstract

Small businesses are in the informal sector among the lower layers of society in order to survive. Global economic conditions amid an increasingly competitive force people to think creatively. Create a wide variety of ideas results, fikir power, which is manifested in a real innovative. Emerging creative economy and bloom like mushrooms grown where - where in the form of a small business, is now becoming a phenomenon. The phenomenon that is present as a result of the effort to be able to defend themselves in a hostile economic conditions.This research was conducted through a qualitative method approach with a descriptive case study that describes the informal sector as a pillar of food security in supporting the social economy. Through informal businesses in this global competition, the fact that businesses in the community canteen trader is able to survive in the midst of heavy and hard to face the era of the Asean Economic Community (AEC) by the inclusion of a wide range of formal business sectors on a large scale. Many investors into Indonesia with the ease of getting the facility. In the end, small businesses in the informal sector with a wide range of creative product capable of competing creative ideas continue to be developed along with the ability and willingness to be applied in the work of innovative, to be able to continue to live better. This is the central pillar of food security which occur in supporting community economy competitive.
Manajemen Risiko Hukum Pada Perbankan Syariah Di Indonesia Yulia Purnama
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 1 (2019): 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.v3i1.43

Abstract

Risiko hukum adalah risiko yang timbul akibat tuntutan hukum dan/atau kelemahan aspek yuridis. Risiko ini timbul antara lain karena ketiadaan peraturan perundang-undangan yang mendukung atau kelemahan perikatan, seperti tidak dipenuhinya syarat sahnya kontrak atau pengikatan agunan yang tidak sempurna. Banyaknya pengalaman dan kasus yang terjadi di perbankan syariah menunjukkan bahwa risiko hukum terjadi karena lemahnya perikatan yang dilakukan oleh bank syariah, ketiadaan, dan/atau perubahan peraturan perundang-undangan yang menyebabkan suatu transaksi yang telah dilakukan bank syariah menjadi tidak sesuai dengan ketentuan yang akan ada, dan proses litigasi, baik yang timbul dari gugatan pihak ketiga terhadap bank syariah maupun bank syariah terhadap pihak ketiga. Kegagalan manajemen risiko hukum dapat menimbulkan penarikan besar-besaran dana pihak ketiga, menimbulkan masalah likuiditas, ditutupnya bank oleh otoritas, dan bahkan bisa mengalami kebangkrutan. Untuk itu tujuan utama ataupun upaya yang dilakukan Manajement Resiko Hukum adalah memastikan bahwa proses manajemen risiko dapat meminimalkan kemungkinan dampak negatif dari kelemahan aspek yuridis, ketiadaan, dan perubahan peraturan perundang-undangan dan proses litigasi . Banyak kegagalan dalam risiko manajemen hukum yang dapat menimbulkan likuiditas. Proses pengendalian internal salah satu upaya yang dilakukan dalam penerapan manajemen risiko hukum yang efektif. Adanya risiko inheren merupakan indikator penting dalam risiko hukum.
Reputation Risk Management in Islamic Banking in Indonesia Dodi Eka Nugraha
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): 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.v3i2.13

Abstract

Inherent risk is the risk inherent in the business activities of islamic banks, both of which can dikuantiflkasikan or not, which could potentially affect the financial position of the bank risk management, particularly reputational risk for the islamic banks, either individually or for banks in consolidation with the subsidiaries most involved the active supervision of the board of commissioners, directors, and DPS, policies, procedures, and limits, and the process of identification, measurement, monitoring, and control of the risk and SIM risk. The risk of this arising, mostly because of the media coverage and rumors about the banks that are negative as well as the communication strategy of the bank are less effective. The negative publicity against one of the islamic banks would contaminate the reputation of the bank the islamic other, although islamic banks other not to engage in responsible action. How to control reputation risk is best with the anticipation/preventive action and maintenance program reputation. Reputation risk is a risk which is abstract and shaped the intangible asset for the company. The handling of reputation risk should be preventive because of the cost of the completion of this risk is large and as a result can damage and kill the company
Analysis of Cash Management at Baing Yusuf Grand Mosque, Purwakarta Regency (Judging from the Management Aspect and Its Allocation) Dedah Raudatul Jannah
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): 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.v3i2.59

Abstract

This study is an Analysis of the Cash Management of the Baing Yusuf Great Mosque in Purwakarta Regency (Judging from the Management Aspect and Its Allocation). researchers are interested in conducting this research because there are still many problems in the management of mosque cash funds such as the construction of mosques that have not been completed for years, mosque administrators do not have more money to pay priests, preachers or muezzins, even mosques do not have janitors because of the lack of mosque cash funds. In addition, many mosque facilities are still lacking such as a broken fan, only a few ablutions, no mosque management rooms, and so on. Plus there are still many mosques that lack funds and even deficits. The purpose of this study is to find out about the source of receipt of the Great Mosque Baing Yusuf Purwakarta cash fund, the cash management system of the Great Mosque of Baing Yusuf Purwakarta, and to find out about the cash allocation system in the Great Mosque of Baing Yusuf Purwakarta. The method of collecting data in this study is by interview, observation and documentation. The data sources used are primary and secondary data sources. The data analysis used a Descriptive Qualitative approach by reviewing the cash management system of the Great Mosque of Baing Yusuf Purwakarta. The results of this study can be concluded that the source of cash receipts of the Great Mosque of Baing Yusuf comes from the charity box of the pilgrims. The management of cash funds is already good because the financial circulation is clear and transparent and the allocation of funds is clear to pay the wages of priests, preachers, marbots, muezzins and so forth.
The Influence of Halal Labels on Rachmat Bread Sales in Bungursari District, Purwakarta Ahmad Ali Sopian
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): 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.v3i2.61

Abstract

Prohibition of consuming food which is prohibited encourages every Muslim to be more selective in choosing products to be consumed. Halal labels can be a benchmark for choosing products before making a purchase in accordance with Islamic syari'ah which is protected by consumer protection laws. Halal labels for Muslim consumers are a guarantee of being protected from consuming non-halal food, medicine and cosmetics. For producers, halal labels can provide benefits, namely increasing competitiveness, consumer confidence, turnover of production and sales. This research was conducted using descriptive quantitative method, using data collection through observation, interviews, questionnaires and documentation. Determination of the number of samples used in this study was determined by the Probability Sampling technique using Simple Random Sampling. This aims to determine the effect of Halal Label on the sale of Roti Rachmat in Bungursari District Purwakarta and to find out how much influence the Halal Label has on the company's sales turnover. The results of this study indicate that the halal label has a significant effect on the sale of Rachmat Bread. This can be seen from the results of the regression test, namely the value of the coefficient of determination (R Square) of 0.542 from the correlation value / relationship (R) 0.743. So that the independent variable (halal label) gives effect to the dependent variable (Sales) of 54.2%, the remaining 43.2% is influenced by other factors not examined in this study.
Profitability Analysis PT. BRI Syariah Bank Period 2009-2018 (Judging From The Effect Of Financing To Deposit Ratio And Non Performing Financing Against Return On Assets) Syafirah Sehaq
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): 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.v3i2.66

Abstract

The world Bank states that the global economy slow down to 2,9% in 2018. Bank profitability growth in Indonesia slowed as identified through Return On Asset printed by ten large banks until Q3 2018. The aims of this research are to analyze the influence financing to deposit ratio and non performing finance into return on asset. The independent variables in this research are financing to deposit ratio and non performing finance, and the dependent variable is return on asset. The approach of this research was a descriptive quantitative. The data used are secondary data, obtained from published financial statements of BRI Syariah Bank between 2009 – 2018. The technique to analyze the data is multiple linier regression. Based on the result of the analysis showed that financing to deposit ratio variabel has negative influence into return on asset. Based on the result of the analysis showed that non performing finance variable has negative influence into return on asset.
Pelaksanaan Akad Mudharabah Pada Pembiayaan Modal Usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Kecamatan Sagalaherang Kabupaten Subang Siti Rahmah Ramadhan; Jalaludin Jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): 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.v3i2.73

Abstract

Artikel ini membahas tentang pelaksanaan akad mudharabah pada pembiayaan modal usaha di Koperasi Dewan Kemakmuran Masjid Desa Cicadas Kecamatan Sagalaherang Kabupaten Subang. Tujuan dari penelitian ini adalah untuk mengetahui pelaksanaan akad mudharabah pada pembiayaan modal usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas, mengetahui penentuan bagi hasil di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas, dan untuk mengetahui dampak dari pelaksanaan pembiayaan Akad Mudharabah pada Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan empiris. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Dalam penelitian ini, sumber data terdiri dari Data Primer dan Data Sekunder. Data Primer diperoleh dari hasil lapangan dengan cara observasi dan wawancara langsung dengan Ketua Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas. Data sekunder diperoleh dari berbagai referensi, seperti sumber dari internet, arsip-arsip lembaga dan bacaan lain yang berhubungan dengan masalah yang diteliti. Hasil penelitian menunjukan bahwa pelaksanaan akad mudharabah pada pembiayaan modal usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas hanya menggunakan satu jenis akad pada pembiayaan mudharabah yaitu muqayyadah. Sistem bagi hasil yang diterapkan menggunakan prinsip profit sharing dengan pengembalian modal dilakukan dengan melakukan pembayaran angsuran yang dilakukan dengan jangka waktu sesuai dengan kemampuan mudharib. Dengan adanya pembiayaan tersebut mereka bisa dengan tenang menjalankan usaha yang mereka kelola tanpa adanya kekhawatiran dalam melaksanakannya, karena pembiayaan yang mereka jalankan merupakan pembiayaan yang diterapkan sesuai prinsip syariah Islam.

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