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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.
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Articles 108 Documents
 6   7   8   9   10 
Pengaruh Tingkat Inflasi Dan Pendapatan Usaha Pegadaian Terhadap Pembiayaan Rahn Pada Pegadaian Syariah Tahun 2011-2020 Siti Aisah; R. Deden Adhianto; Putri Anjelli
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.174

Abstract

In deciding the provision of rahn financing, it is influenced by various conditions, especially internal and external conditions. These internal factors or conditions include the development of pawnshop business income. Meanwhile, external conditions or factors can be seen from the financial conditions that occur in Indonesia, for example the inflation rate. This study aims to determine the effect of inflation rate and operating income on rahn financing at Islamic pawnshops in Indonesia partially and simultaneously. This research was conducted at a non-bank financial institution, namely PT. Pawnshops that focus on sharia segmentation. This type of research uses a quantitative descriptive method that is associative. The secondary data used in this study used a documentation study data collection technique. This research uses multiple linear regression data analysis method. Based on the results of the analysis and discussion of the data in this study, it is stated that the first tcount is -0.030, meaning that ttable is greater than tcount (2.365 > -0.030) and sig.0.977 > 0.05. From these results, inflation has a negative effect and inflation does not have a significant effect on the financing of rahn partially. Second, the results of the tcount value on the operating income variable produce a tcount of 7.141, meaning that tcount is greater than ttable (7.141 > 2.365) and a significant value of 0.000 < 0.05. From these results, it means that operating income has a positive effect and pawnshop income has a significant effect on Rahn's financing partially. The results of the simultaneous test (f test) obtained a ftable value of 4.46 because the fcount value of 38,698 is greater than the ftable value and the significance value of 0.000 is much smaller than 0.05. So it can be concluded that the inflation variable and Pawnshop income simultaneously affect the rahn financing variable at the Indonesian Sharia Pawnshop. And the relationship between the independent variable and the dependent variable in this study was 0.893 or 89.3%, while 10.7% was explained by other factors not presented in this study.
Pengaruh Pendapatan Operasional terhadap Laba Bersih pada Bank Muamalat Indonesia Tbk. Periode 2015-2020 Evita Septiani Jaenab; Ghina Fatimatuzzahro; Salsabila Gita Tsanya; R. Deden Adhianto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.175

Abstract

This study aims to determine the effect of operating income on net income at Bank Muamalat Indonesia Tbk. The period 2015 to 2020. The research method used is an associative quantitative method using secondary data in the form of the financial statements of Bank Muamalat Indonesia which are publicly registered with the Financial Services Authority. Hypothesis testing using simple linear regression analysis through t-test with a view to knowing the effect of independent variables on the dependent variable. The results of this study that the Operating Income variable on Net Profit has a correlation value or relationship (R) of 0.856 (Very Strong), and the value of the Determination Coefficient or R Square of 0.732 in other words the effect is 73.2%, meaning that the X variable (Operational Income) has an effect on on the variable Y (Net Profit) at Bank Muamalat Indonesia Tbk. While the remaining 26.8% is determined by other variables not examined by researchers, namely Non-Operational Income.
Pengaruh Pembiayaan Musyarakah Terhadap Pendapatan Bank BRI Syariah Indonesia Periode 2014-2020 Noorulviah Beredhawati Atmaja; Siti Amallia Tadim; R. Deden Adhianto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.176

Abstract

Consumer financing is one of the focuses of BRI Syariah financing distribution because it has a low risk. This is because consumer financing is based on mortgages and multi-purpose financing. This study aims to determine the effect of Musyarakah Financing on Income. This research was conducted at Bank BRI Syariah Indonesia for the period 2014 to 2020. This method uses a descriptive quantitative approach. The development of Islamic banking is also marked by an increase in the distribution of financing. Financing is very important because this financing factor is the key to the development of Islamic banks in the future. Ideally, Islamic bank financing is dominated by musharaka contracts which are run with a profit-sharing system. The data used in this study is secondary data derived from annual reports that can be accessed through the Financial Services Authority website in the form of an annual time series from 2014-2020. This study applies a simple linear regression data analysis method. Based on the results of research using the SPSS Version 20 statistical program, Musyarakah Financing (X) has a positive and significant effect on Income (Y).
Pengaruh Pemahaman Nasabah Pada Jenis Produk Terhadap Kelancaran Pembayaran Angsuran Di BMT Niaga Utama Purwakarta Syanti Herlinawati; Asep Dede Kurnia; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.188

Abstract

The banking industry is currently experiencing rapid development where the main activity of financial institutions is to collect funds and channel them back to the public in the form of credit/financing. Problems that arise from the financing process are bad funds from customers as an unavoidable risk with several indicators of causes such as customer income, disasters experienced by customers, awareness and refunds from understanding the financing contract contract. This study aims to analyze the effect of customer understanding on mudharabah products, murabahah products, and murabahah products and to examine the effect of average customer understanding on payment growth at BMT Niaga Utama Purwakarta. This research was conducted by quantitative descriptive method using a sample of 34 customers from a population of 67 customers. Determination of the research sample is through a random sampling system with a Likert scale. The results of this study indicate that the customer's understanding of the mudharabah product is stated to be significant for payment payments with a value of rcount (0.84) > rtable (0.648), while the customer's understanding of the musyarakah product is stated to have no significant effect on payment performance with a value of rcount (0.697) < rtable (0.738). As for the influence of customer understanding of the value of murabahah products, the sig. (2-tailed) number is 0.000 which is smaller than the level of significant (α) 5% and is declared significant. While the effect of the known average value of Ucount = 22 > Utable 17 shows that there is no difference between understanding the product of mudharabah, musyarakah and murabahah on installment payments.
Analisa Penerapan Jual Beli Pesanan Pada Rubber Part di PT. Banshu Rubber Indonesia Ismarudi; Riski Siti Nurjanah; Siti Hapipah; Ahmad Saepudin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.327

Abstract

The background that became the object of the researcher was PT. Banshu Rubber Indonesia conducts buying and selling with an order system that is carried out with the provisions of the terms, pillars and rules that form the basis for the sale and purchase, so that researchers conduct research to analyze the application of buying and selling Rubber Parts at PT. Banshu Rubber Indonesia. The purpose of this study was to determine the application of the order system to the sale and purchase of Rubber Parts at PT. Banshu Rubber Indonesia, and to find out the implementation of buying and selling Rubber Part Orders at PT. Banshu Rubber Indonesia in the perspective of Sharia Economics. This research is a qualitative type using descriptive method. The results of this study indicate that the implementation of transactions, ordering processes or orders for goods by PT Bansu is carried out by the Purchase department which directly places orders to suppliers. The info includes material specifications, sizes, quantity and quality standards. The customer service then issues a PO (Purchase Order) for the order including the delivery date, payment method, delivery date, and return method if Not Good products are found. Furthermore, the delivery process is carried out by PT. Banshu Rubber Indonesia based on the delivery schedule that has been made in the PO. The consignee checks the goods before making a receipt. The check includes the number of goods, the visual condition of the goods and the suitability of the goods with the notes listed on the delivery letter. Next is the payment system of PT. Banshu Rubber Indonesia with suppliers explained that every buying and selling transaction of paying rubber parts is carried out using an invoicing system where payment will be made 30 days after the invoice is received. Sharia Perspective Review, Practice Analysis of the Application of Istishna Contracts in the Sale and Purchase of Rubber Parts at PT. Banshu Rubber Indonesia has implemented the concepts of the Istishna contract, it appears that the conditions for each pillar have been fulfilled, such as the pillars of the parties to the contract, the object ordered, the payment system in the order, and sighat or consent qobul.
Sistem Kerjasama Usaha Pada Produk Kerajinan Usaha Mikro Kecil Menengah Menurut Konsep Musyarakah (Studi Pada Galeri Menong Purwakarta) Mia Maulani; Siti Hapipah; Ahmad Saepudin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.328

Abstract

The development of public facilities in the Purwakarta Regency Government continues to be developed in the tourism sector, the results are quite significant in increasing tourist visits. This increase is not only in the tourism sector, but also the superior product of Purwakarta Regency as one of the typical souvenirs of Purwakarta. As a real effort to increase the value of MSME products in Purwakarta, the Menong Gallery was established. This study aims to determine the mechanism of cooperation on the craft of Micro, Small and Medium Enterprises at the Menong Gallery, Purwakarta and to determine the cooperation system for Micro, Small and Medium Enterprises with the concept of Musyarakah at the Menong Gallery, Purwakarta. The research method used in this research is descriptive qualitative method, where data collection is done through observation, interviews, and documentation. The results of this study conclude that the mechanism of cooperation in the craft of Micro, Small and Medium Enterprises at the Menong Gallery, Purwakarta is basically carried out based on the principle of trust. Product custody is based on trust provided that the product has a certification from the Health Service and Halal Certification from the Indonesian Ulema Council. The product also has its own brand and with attractive packaging. This is proven by the completeness of the file and product samples for reference. The cooperation system for micro, small and medium enterprises with the concept of musharaka at the Menong Gallery, Purwakarta is still not in accordance with the concept of a musharaka contract or syirkah. Because there are still many conditions for each pillar that are defective or not fulfilled, such as not meeting the requirements of Ra's Mal, Profit Sharing Ratio, Business Activities, Profits and Losses.
Analisis Manajemen Permodalan Pada Baitul Maal Wa Tamwil di Masa Pandemi Kharis Fadllullah; Maristiya Cahya Lupita
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.329

Abstract

Baitul maal wa tamwil is a well-known sharia microfinance organization in the neighborhood. However, because of the poor segmentation of micro-businesses, Covid-19 had a big influence. The purpose of this research is to learn more about the state of capital and capital management in Baitul Maal Wa Tamwil (BMT) Muamalat Mulia. Because BMT Muamalat Mulia caters to the lower-middle market, the area was chosen. This study employs descriptive qualitative research with a case study technique. Interviews and observations are used to gather information. As a result of the existence of inferior funding members, BMT is severely harmed. Nonetheless, BMT Muamalat Mulia is able to endure because to strong capital management, which includes dividing productive capital, non-productive capital, and employing cash to mitigate risks.
Pengaruh Pemahaman Mahasiswa Terhadap Penggunaan Jasa Keuangan Syariah Bank Dan Non-Bank (Studi Kasus Pada Mahasiswa STIES Indonesia Purwakarta) Ratnasari Ratnasari; Ai Siti Khoeriah; Saepul Bahri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.338

Abstract

The third National Financial Literacy and Inclusion Survey (SNLIK) conducted by the Financial Services Authority (OJK) in 2019 showed the financial literacy index reached 38.03%. This figure is an increase compared to the results of the 2016 OJK Survey, namely the financial literacy index of 29.7%. Thus in the last 3 years there has been an increase in public financial understanding (literacy) by 8.33%, the 2019 SNLIK also noted that the level of Islamic financial literacy rose slightly from 8.1% to 8.93%. Completing the survey conducted by the OJK, the 2019 Islamic Economic Literacy Index issued by BI reached 16.3% (well literate) out of a 100% scale which reflects the space for efforts to increase public understanding of Islamic Economics in the country. This study aims to determine the effect of student understanding on the use of Islamic banking and non-bank financial services. The method used in this research is descriptive quantitative research method. The results of this study are the results of testing the validity of the understanding variable, it is known that rcount > rtable (0.213) with a significance value (p value) < 0.05 so that the understanding variable data is declared valid. Furthermore, the variable for the use of bank services obtained rcount > rtable (0.213) with a significance value (p value) <0.05 so that all statement items are declared valid. Next, it is known that the tcount is 5.417 > ttable (1.9904), with a probability value of 0.000 which means it is smaller than 0.05, then Ha is accepted, meaning that student understanding has a significant positive effect on the use of Islamic banking and non-bank financial services. And obtained a coefficient of determination (R Square) of 0.271, meaning that 27.1% of student understanding is able to explain or influence the use of Islamic banking and non-bank financial services, while the remaining 72.9% is influenced by other factors not examined in this study.
Analisis Persepsi Masyarakat Terhadap Perbankan Syariah di Desa Maracang Kabupaten Purwakarta Salma Fauziah; Jalaludin Jalaludin; Ahmad Ali Sopian
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.349

Abstract

As a people of Maracang Village, the increase in Islamic bank institutions in Maracang Village has no effect at all on people's interest in saving at Islamic banks. It is caused by the lack of public knowledge of Islamic banking institutions. This study aims to determine the object of perception of the Maracang village community towards Islamic banking, to determine the sensory tools of the Maracang village community's perception of Islamic banking, and to determine the attention of the Maracang village community on Islamic banking products. This type of research is field research or case study with a qualitative descriptive approach. The data collection technique was done by triangulation (combined). The result showed that the people in Maracang Village still did not have an interest in saving at Islamic banks because of the objects, senses and people's attention to Islamic banking institutions. In terms of objects, most of them did not know all the aspects that exist in Islamic banks; it’s about savings and financing products, also the unstrategic locations of the bank. They thought that services at conventional banks were still better than Islamic banks. In terms of senses of society, the services of Islamic banks were inadequate, the human resources were not good. The objects and sense of people of Maracang Village to the perception of Islamic banking affected the bad attention.
Analisis Jual Beli Keramik Hias Dalam Perspektif Ekonomi Syariah (Studi Kasus Pada UPTD Pengembangan Keramik Hias Di Desa Anjun Kecamatan Plered Purwakarta) Anis Septyria Aryani; Jalaludin Jalaludin; Asep Dede Kurnia
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.403

Abstract

Keramik hias merupakan kerajinan seni yang sudah ada sejak zaman dahulu. Keramik hias merupakan salah satu komoditas di Indonesia yang begitu besar peluang usahanya dan memiliki nilai seni budaya yang tinggi. Banyaknya masyarakat di daerah Anjun Purwakarta yang berprofesi sebagai penjual dan pengrajin keramik hias, dengan lingkungan yang agamis dan latar pendidikan agama Islam yang kental, namun tidak semua pelaku usaha memahami perdagangan yang sesuai dengan dasar-dasar muamalah. Sehingga memungkinkan pelaku usaha untuk bisa melakukan tindakan yang dilarang dalam perdagangan. Tujuan penelitian untuk mengetahui praktek jual beli keramik hias di UPTD Pengembangan Keramik Hias Anjun Plered Purwakarta, untuk mengetahui perspektif ekonomi syariah terhadap praktek jual beli keramik hias di UPTD Pengembangan Keramik Hias Anjun Plered Purwakarta, dan untuk mengetahui manfaat sistem jual beli keramik hias di UPTD Pengembangan Keramik Hias Anjun Plered Purwakarta. Metode penelitian yang digunakan pada penelitian ini adalah bersifat deskriptif-kualitatif. Hasil penelitian ini dapat disimpulkan bahwa praktek jual beli keramik hias bisa dilakukan dengan dua cara yaitu pertama, pembeli bisa langsung datang ke tempat penjualan atau bisa menghubungi nomor penjual secara langsung. Kedua, pembeli bisa menghubungi UPTD Pengembangan Keramik Hias di desa Anjun untuk melakukan pemesanan keramik hias yang nantinya dari pihak UPTD akan disampaikan atau dipesankan kembali kepada penjual atau pengrajin keramik hias. Praktek jual beli keramik hias di UPTD Pengembangan Keramik Hias Desa Anjun Kecamatan Plered Kabupaten Purwakarta dalam perspktif ekonomi syariah sudah sesuai dengan rukun dan syaratnya. Karena terlihat semua indicator rukun dan syarat jual beli muthlaq (langsung), salam dan istishna sudah terpenuhi. Sistem pemesanan keramik hias dibagi menjadi 2 yakni jual beli istishna’ dan salam. Manfaat adanya praktek jual beli yang ada di UPTD Pengembangan Keramik Hias desa Anjun Kecamatan Plered Kabupaten Purwakarta bisa menciptakan lapangan pekerjaan dalam industri keramik hias. Selain itu, bisa mempertahankan peninggalan kebudayaan sejak zaman dahulu, sehingga dapat melahirkan generasi-generasi baru para pengrajin keramik hias. Manfaat bagi pembeli bisa mendapatkan harga yang lebih murah jika membeli lebih banyak dan menjadi sarana edukasi wisata bagi wisata lokal dan domestik.

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