Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Journal of Islamic Economics, Accounting and Banking (JESKaPe) is a scientific journal managed by the Islamic Economics Study Program of the Faculty of Islamic Economics and Business, IAIN Lhokseumawe. This journal as a forum for pouring research results both conceptually and technically related to the scope of Islamic Economics, Islamic Finance and Islamic Banking. The JESKaPe Journal is published twice a year, in June and December, the first issue of June 2017.
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<![CDATA[ANALISIS PENGARUH INFLASI, BI RATE, CURRENCY EXCHANGE (SEBAGAI VARIABEL INTERVENING) TERHADAP PEMBIAYAAN MURABAHAH PADA BANK SYARIAH MANDIRI TAHUN 2013-2018 ]]>
<![CDATA[Rahmawati Rahmawati]]>;
<![CDATA[Eko Budianto]]>;
<![CDATA[Putri Sri Anita]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.437
<![CDATA[The title of this research is: "Analysis of the Influence of Inflation, Currency Exchange Rates and BI Rate on Murabahah Financing at Bank Syariah Mandiri (BSM) in 2013-2018." The formulation of the problems in this study are: 1) What is the effect of inflation on murabaha financing in Bank Mandiri Syariah (BSM) in 2013-2018? ?, 3) What is the effect of the BI Rate on murabaha financing at Bank Mandiri Syariah (BSM) in 2013-2018 ?. 4) Does inflation, currency rates and bi rates have a simultaneous effect on murabaha financing at Bank Mandiri Syariah (BSM) in 2013-2018?. While the research method used is descriptive quantitative research methods in the form of time series that is research on financial statements, and testing data using the SPPS program. The results obtained are: First, t arithmetic (1,731)> t table (1,724), so that Ha is accepted and Ho is rejected, it can be concluded that inflation has a significant and significant influence on murabaha financing at PT. Bank Syariah Mandiri for the period March 2013 to December 2018. Second, t arithmetic (0.212) <t table (1.724), so that Ha is rejected and Ho is accepted, it can be concluded that the currency exchange rate has no significant and significant effect on murabahah financing. third, t arithmetic (0.303) <t table (1.724), so that Ha is rejected and accepts Ho, it can be concluded that the persial bi rate has no effect and is not significant to murabaha financing. And F count> F table (3.168> 2.87) with a significant value of 0.000 <α = 5% (0.05). And Fourth: This means that there is a significant influence jointly between all independent variables (inflation, currency rates and bi rates) on the dependent variable (murabahah financing) at PT. Bank Syariah Mandiri for the period March 2013 to September 2018.]]>
<![CDATA[ANALISIS PENGARUH JUMLAH NASABAH, PENDAPATAN DAN HARGA EMAS TERHADAP TINGKAT PENYALURAN GADAI SYARIAH (RAHN) PADA PT PEGADAIAN (PERSERO) PER TAHUN 2012-2017 ]]>
<![CDATA[Teni Rubiyanti]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.439
<![CDATA[The study aims to analyze the influence of The Number of Sharia Pawn’s Customers, Business Revenue of Sharia Pawn, and Gold Prices to Sharia Pawn (Rahn) in PT Pegadaian. The data used in this study in the data montly from January 2012 – December 2017. The study is using the method of analysis of the regression linear risks by using a computer program EViews 9.0, and was be helped by microsoft Excel 2013.. The result showed a partial The Number of Sharia Pawn’s Customers signficantly influences on Sharia Pawn (Rahn) with the sig. 0.0000< 0.05. Business Revenuesof Sharia Pawn signficantly influences on Sharia Pawn (Rahn) with the sig. 0.0000 < 0.05. Gold Prices significantly influences on Sharia Pawn (Rahn) with the sig. 0.0302 > 0.05. The result showed that The Number of Sharia Pawn’s Customers, Business Revenues, and Gold Prices, simultaneously or together have a significant influence on the Sharia Pawn (Rahn) with the sig. 0.000 <0.05.]]>
<![CDATA[DENDA DALAM BAI’ BITSAMAN AJIL MENURUT FIQIH DAN FATWA DEWAN SYARIAH NASIONAL (DSN) ]]>
<![CDATA[Aulil Amri]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.440
<![CDATA[This study is to analyze the application of fines to customers who delay payments on purpose or do not have the will and good faith to pay their debts. Legal fines for capable people who delay payment according to fiqh and fatwa DSN-MUI Number 17 / DSN-MUI / IX / 2000 are permissible. The fatwa explained that customers who could be fined were customers who delayed payments deliberately and / or did not have the will and good faith to pay their debts. While customers who are unable or unable to pay due to force majeure may not be penalized. In addition to the fatwa of the DSN MUI, the fines determined are also based on ba‘i bitsaman ajil financing agreement at Baitul Mal / Qiradh that has been agreed by both parties. The results showed that some syari’ah banking transactions are in accordance with Islamic syari’ah, but there is still practice going on in the field of the application of fines imposed in general, not looking at the feathers for both capable and unable customers. Finally, fines will accumulate every month plus piles of arrears. This is really unfortunate because it should be given to those who cannot afford to be given tough time to pay for this in accordance with the fatwa DSN-MUI Number 17 / DSN-MUI / IX / 2000. In the future, the Syari’ah Supervisory Board can take firm action on this matter.]]>
<![CDATA[ETIKA MARKETING DALAM PERSPEKTIF EKONOMI ISLAM ]]>
<![CDATA[Malahayatie Malahayatie]]>;
<![CDATA[Maryamah Maryamah]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.441
<![CDATA[Marketing is a human activity that is directed to meet the needs and desires through the exchange process. While marketing in the view of Islam is an application of strategic discipline in accordance with sharia values and principles. Assessment of business success is not only determined by increasing economic and financial achievements, but success must also be measured through benchmarks of morality and ethical values on the basis of social values in religion. The type of this research is library research (library research), which is a data collection which is carried out directly on an object to obtain data. This research uses a normative approach which is research based on theories and marketing concepts in Islam. From the results of this discussion it was concluded that, Islamic marketing teaches marketers to be honest with consumers or others. Sharia values prevent marketers from falling into values that must be upheld by a marketer. Four forms of marketing in Islamic Economic Ethics that guide marketing as Rabbaniyah, Akhlaqiyyah, Al-Waqiyyah and Insaniyyah. Some things that must be considered as marketing ethics in the perspective of Islamic economics are having a good and spiritual personality (taqwa), being fair in business, having a good personality and and respecting people's rights and property correctly, serving consumers humbly, always keeping promises and no cheating in marketing, honest and trustworthy and not excessive in advertising goods, do not like to prejudice and bad-mouthing the merchandise of others, do not make bribes (risywah), all forms of marketing activities must provide benefits to many parties and cooperate with each other and provide benefits with the aim of welfare among fellow entrepreneurs.]]>
<![CDATA[MULTI LEVEL MARKETING DALAM PERSPEKTIF ETIKA BISNIS ISLAM ]]>
<![CDATA[Safwan Safwan]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.442
<![CDATA[Amid the sluggishness and deterioration of the national economy, came a business system that had much promise and success and offered wealth in a short time. This system became known as Multi Level Marketing (MLM) or Networking Marketing. Multi Level Marketing (MLM) systems cut distribution channels in conventional sales because it doesn't involve distributors or sole agents and wholesalers or sub-agents, but directly distributing products to independent distributors who work as retailers or sellers directly to consumers. In this way, marketing and distribution costs (transportation, warehouse rent, salaries and sales force commissions etc.) can be obtained transferred to an independent distributor with a system tiered which is generally adjusted to the achievement of targets the sales or turnover of the distributor concerned, coupled with the controversies regarding the MLM system in today's society, starting from the aspect of products that must be halal to the system transactions, bonus giving, member recruitment, and coaching who do not use things that are forbidden by Islam, then plus the elements of money games, maysir, dharar, dzulm, immoral and usury. So it becomes interesting when we see Multi Level Marketing (MLM) through the perspective of Islamic business ethics.]]>
<![CDATA[PENGUKURAN KUALITAS JASA PELAYANAN KB MANDIRI DI PROVINSI ACEH ]]>
<![CDATA[Zulkifli Zulkifli]]>;
<![CDATA[Amri Amri]]>;
<![CDATA[Eddy Munawar]]>;
<![CDATA[Anwar Anwar]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.443
<![CDATA[This study aims to measure the quality of family planning services in the province of Aceh which can later be useful for BKKBN policy in the context of determining the policy of providing unpaid contraception. The location of the study is Bireuen district and North Aceh district as regency areas with the highest number of active family planning participants according to the contraceptive method in the Private Service Line in March 2018. The number of samples used were 75 fertile age couples (PUS) obtained through the Multistage purposive sampling method followed by the snowball sampling method. Data were analyzed using Importance Performance Analysis (IPA) and Cartesian Diagrams. The results obtained are that all indicators measured show a high level of satisfaction on Mandiri (paid) KB services so it is recommended that the BKKBN can improve free KB services or otherwise prepare alternatives to stop free KB services.]]>
<![CDATA[RELEVANSI KURIKULUM EKONOMI SYARIAH IAIN LHOKSEUMAWE TERHADAP SUMBER DAYA MANUSIA PADA LEMBAGA KEUANGAN SYARIAH ]]>
<![CDATA[Juliana Putri]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.444
<![CDATA[This study aims to explain the relevance of the syariah economic curriculum that is applied to the Islamic economics department of the Islamic economics and business faculty of IAIN Lhokseumawe in preparing the human resources needed by the Lhokseumawe Islamic financial institutions and to explain the absorption and absorption of alumni of sharia economic jueusan in the world of work. With the results of the study that the relevance of Islamic economics curriculum to human resources in Islamic financial institutions the criteria are generally the parameters of employee / employee recruitment in Islamic financial institutions in Lhokseumawe City tend to be in soft skills assessment (performance and psychological). The unavailability of professional graduates in the field of sharia economics causes the need for professional staff in sharia business to continue to be met by converting from conventional workers, namely that many graduates of general tertiary institutions can fill formation in Islamic financial institutions, even though those who do not have qualified knowledge in the field of sharia economics . The distribution of Islamic Economics graduates in financial institutions is not optimally absorbed in financial institutions, even in Islamic Commercial Banks, the absorption is 0% at BNI Syariah Bank, Aceh Syariah Bank Samudera Branch and Merdeka Branch, Muamalat Bank, BRI Syariah. 30% absorption is absorbed at Baitul Qirat Afdhal Lhokseumawe Branch. Of the 23 employees 9 of them were graduates of the Shariah Economics of the Lhokseumawe branch. Bank Syariah Mandiri Lhokseumawe Branch of 32 Employees 2 of whom are graduates of the Sharia economy of the Lhokseumawe branch, as well as the FIF Syariah and Baitul Mal absorbed by 2 graduates of Islamic economics.]]>
<![CDATA[STRATEGI DALAM PENINGKATAN JUMLAH NASABAH ASURANSI JIWA DI AJB BUMIPUTERA 1912 MEULABOH ]]>
<![CDATA[Nuraini Yusuf]]>;
<![CDATA[Muhammad Ridhwan]]>;
<![CDATA[Mirna Ria Andini]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.445
<![CDATA[AJB Bumiputera 1912 Meulaboh is an insurance company that has been established for decades until now, it still remains one of the insurance companies that are in demand by the people of Meulaboh. Many products offered by the AJB Bumiputera 1912 Meulaboh is expected to increase the number of life insurance customers and it is is one of the strategies used in the process of increasing the number of insurance customers. As for the results of the study, AJB Bumiputera 1912 followed several stages, namely offering superior products to prospective customers, insurance product price quotes that are tailored to all layers of prospective insurance customers, promotion of insurance products to various prospective insurance customers, the selection of office locations that are very appropriate in the center of Meulaboh City, the selection of employees who work is carried out with a variety of processes in accordance with the applicable operational standards in AJB Bumiputera 1912 throughout Indonesia.]]>
<![CDATA[TINJAUAN EKONOMI SYARIAH TERHADAP PELAYANAN NASABAH PRIORITY BANK SYARIAH MANDIRI CABANG LHOKSEUMAWE ]]>
<![CDATA[Hidayatina Hidayatina]]>;
<![CDATA[Mutia Siska]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.446
<![CDATA[The basic problem is the implementation of ordinary customer service to priority customers who seem to discriminate between one customer and another customer. The purpose of the research is to find out the implementation of priority customer service at PT. Bank Syariah Mandiri Lhokseumawe Branch and to find out how Islamic economic reviews on priority customer service. This type of research is field research, while the research approach is descriptive qualitative research is research that focuses on words rather than numbers. The sharia economic review of the Priority Customer Service is permitted, because of the hadith of the Prophet Muhammad. BSM also applies sharia economic principles, namely: monotheism, justice, trust and help. But the principle of justice they hold is to place rights in accordance with what has been mandated, namely priority customer rights that have been promised by the bank at the beginning of the agreement.]]>
<![CDATA[ANALISIS MEKANISME KERJA SAMA USAHA AYAM POTONG MENURUT TINJAUAN EKONOMI ISLAM ]]>
<![CDATA[Nova Haryani]]>;
<![CDATA[Ismaulina Ismaulina]]>;
<![CDATA[Nurul A'la]]>
<![CDATA[ Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 3 No 1 (2019): JESKaPe Vol. 3 No. 1 January-June 2019 ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, IAIN Lhokseumawe ]]>
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DOI: 10.52490/jeskape.v3i1.447
<![CDATA[This study aims to determine the mechanism of cooperation between the business of broiler chicken in Blang Raleue Village, Simpang Kramat Subdistrict. Overview of the Islamic Economy on the mechanism of cooperation between the business of the three-broiler chicken in Blang Raleue Village, Simpang Kramat Sub-district. This research is a descriptive qualitative study. To obtain data the author uses observation and interview techniques. The type of data used is primary data obtained directly from the business owner of the three-piece broiler chicken in Blang Raleue Village, Simpang Kramat District. Secondary data obtained from notes, books, journals and others related to the problems that the authors examine. The data analysis method used is descriptive qualitative, namely data collection, data presentation, and conclusion drawing. The results of this study indicate that the contents of the cooperation contract in the three-broiler chicken farm in the Blang Raleue Village of Simpang Kramat Subdistrict have not fully complied with the syirkah concept. But there are also some contents of the cooperation contract that are in accordance with the concept of syirkah.]]>
