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Aghniya: Jurnal Ekonomi Islam

AGHNIYA
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Published by Universitas Muhammadiyah Sumatera Utara

ISSN : - EISSN : 26565633 DOI : -

Core Subject : Religion, Economy,

Religion Economics, Econometrics & Finance

Manuscripts published in the Aghniya: Jurnal Ekonomi Islam includes the results of scientific research original articles scientific reviews that are new. Aghniya: Jurnal Ekonomi Islam is a media publication manuscript that contains the results of the Field Research applying peer-reviewed. Aghniya: Jurnal Ekonomi Islam accepts manuscripts in the field of research that covers scientific fields Islamic Economy

Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)

Articles 89 Documents

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Analisis Pengaruh Literasi Keuangan Syariah Terhadap Keputusan Menggunakan Produk Perbankan Syariah (Studi Mahasiswa Ekonomi Syariah Dan Perbankan Syariah Wilayah Kabupaten Bantul Yogyakarta) Siti Aisyah; Ragil Satria Wicaksana Satria Wicaksana
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 1 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Literacy is an attempt to remove all forms of public access to financial services. One of the success factors for the success of financial inclusion efforts is the level of public financial literacy. Literacy or financial literacy (financial literacy) shows the ability or level of public understanding of how money works. This study aims to determine the level of Islamic financial literacy in sharia economics and sharia banking study program students and the influence between the level of Islamic finance literacy on the use of Islamic banking products. this type of research is quantitative research. The method of data collection in this study used an online questionnaire with a sample of 134 respondents. Data analysis techniques in this study are regression tests, descriptive statistical tests, hypothesis testing (T test and F test) and coefficient of determination (). The study used SPSS 23 software and the results showed a positive influence on Islamic financial literacy on the decision to use sharia banking products with a regression coefficient of 0.746 with a significance of 0,000 with a value nilai sebesar 387. 345 0.1697can be used. The decision to use sharia banking products while the remaining 25.6% is a contribution from other factors not approved in this study.

Pemanfaatan Dana Zakat Bagi Pembaerdayaan Ekonomi Umat (Analisis Fatwa Mui Tahun 1982) Said Ahmad Sarhan Lubis
AGHNIYA : Jurnal Ekonomi Islam Vol 1, No 2 (2019): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

Zakat is an interesting topic to study. There has been a lot of literature that tries to lookat zakat from various systems such as from legal aspects or fiqh, management, potential,and its role in eradicating poverty. The obligation of zakat in Islam has a veryfundamental meaning. Apart from being related to divine aspects as well as economicand social aspects. The fatwa commission of the Indonesian Ulama Council in 1982issued a fatwa concerning the Utilization / Management (Tasharruff) of Zakat Funds forProductive and Public Prosperity Activities. From the aspect of social justice or (alalahadalahal-ijtimai'yyah), the command of zakat can be understood as an inseparableunitary system in achieving socio-economic and social welfare. Zakat is expected tominimize the income gap between the rich and the poor. In addition, zakat is alsoexpected to increase or grow the economy both at the individual level and at the sociallevel. But unfortunately, the obligation of zakat is still rarely proven by economic logic(fiscal policy).

Analisis Pemberian Pembiayan Mikro di Bank Syariah zinniah al anhar
AGHNIYA : Jurnal Ekonomi Islam Vol 1, No 1 (2019): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

ABSTRACT Financing is one of the main tasks of the bank, namely the provision of funds provision facilities to meet the needs of the parties which constitute a unit deficit. In providing financing, Islamic banks usually provide financing by way of profit sharing or buying and selling. Where the profit sharing is called mudharabah and sale and purchase is called murabahah. Bank Syariah Mandiri carries out micro-business financing using murabahah contracts, while murabahah contracts are sale and purchase contracts. This research is a descriptive study, namely research that seeks to explain the problem solving, by presenting, analyzing and interpreting the results of research. The data collection technique carried out was through interviews. Based on the results of the research of the author, the PT. Bank Syariah Mandiri Medan Aksara Branch Office in providing micro business financing to independent Islamic banks, submitting applications, carrying guarantees, carrying identity cards, purchased goods must be halal, calculating the acquisition of funds purchased, and protecting in fees provided by the bank. This of course is in accordance with the existing DSN fatwa, regarding the murabahah contract.Keywords: Financing, Micro Business, Murabahah Agreement.

Analisis Non Performing Finance Bank Syariah Di Indonesia Deery Anzar Susanti
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 2 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

This study aims to determine the increase in non-performing financing or Non-Performing Finance in Islamic financial institutions in Indonesia. Problem financing is an instrument in a bank's health assessment, so if the problem financing is increasing, then surely there must be an improvement in management in the financial institution. The method used in this research is quantitative descriptive. The results obtained, that financing problems that occur in financial institutions have fluctuated, but at the end of each year decreased significantly. This of course makes people very interested in Islamic financial institutions.

Penyelesaian Non Performing Finance Di Lembaga Keuangan Syariah Al-Bara ,
AGHNIYA : Jurnal Ekonomi Islam Vol 1, No 1 (2019): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

One of the risks faced by banks is the risk of unpaid credit that has been given to debtors or called credit risk. A risk due to failure or inability of the customer to return the amount of the loan received from the bank and its interest in accordance with a predetermined or scheduled period. Credit risk includes non-performing loans. Non-performing finance (NPL) is a problematic financing which cannot meet the payment of outstanding loans and margin / profit sharing within the agreed period of the agreement. There are three ways to settle NPLs that should be implemented by Islamic banks, namely shulh (peace), Tahkim (Abitrase Syariah), and Qadha (Court Institution). The approach of this research is a descriptive research approach, namely research that seeks to tell the problems that exist, by presenting, analyzing and interpreting the results of research. Technical data collection is done through interviews.How to solve problem financing in Islamic financial institutions with Islamic law. That, the settlement was carried out in three ways, namely Shulh (peace), Tahkim (Syari'ah Arbitration), and Qadha (judicial institution). Shulh is done by sending messages via sms, telephone billing, through visits, notification letters, reprimand letters, one to three warning letters. While Tahkim is carried out by proposing peace by means of data, which presents a third party in solving the problem. And the last is Qadha, this is the last resort taken by bank muamalat in resolving problematic financing problems, by way of realization of restructuring, or giving information on the methods used by banks in making billing Islam.

Analisis Pengaruh Return On Asset (Roa), Bopo, Dan Bi-Rate Terhadap Tingkat Bagi Hasil Produk Funding Dengan Skema Akad Mudharabah Mutlaqah (Studi Pada Bank Syariah Mandiri Periode 2011 - 2018) Dwi Purwati; Ragil Satria Wicaksana
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 1 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

The research aims to analyze the effect of Return on Assets (ROA), Operational Costs to Operating Income (BOPO), and BI-Rateter on the level of profit sharing of funding products (savings and deposits) with the mudharabahmuthlaqah contract scheme at PT. Bank SyariahMandiri. The population in this study is PT. Bank SyariahMandiri Period 2011 - 2018. This research is a quantitative research. The analysis was carried out using quarterly secondary data published on the official website of Bank SyariahMandiri for the period 2011 to 2018. The dependent variable of this study is the level of profit sharing of savings and mudharabah deposits. Independent variables include: Return On Assets (ROA), Operational Costs to Operating Income (BOPO) and BI-Rate. The data analysis method used is multiple linear regression analysis, classic assumption test, and hypothesis test (F test and T test), data processing using SPSS 20 software. Based on the test results using SPSS 20 software, ROA, BOPO, and BI-Rate partially positive and significant effect on the level of profit sharing of savings and mudharabahmuthlaqah deposits at Bank SyariahMandiri 2011-2018.

Produk Asuransi Syariah Prudential (Pru Link Syariah) Dalam Tinjauan Syariat Islam Hartato Rianto
AGHNIYA : Jurnal Ekonomi Islam Vol 1, No 2 (2019): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

The development of the Islamic insurance industry is not balanced with the amount of research that will halal the Islamic insurance product. This indicates that there are still many inconsistencies in Islamic insurance products with Islamic principles. The application of a sharia insurance product is very important to maintain the halal product. In this paper, we will discuss the mechanism for applying prudential sharia insurance products (pru link sharia). By systematically describing the application of Islamic prinkets which will then be compared with the principles of Islam. This research shows that Prudential Shariainks are not fully in accordance with sharia principles.

Teori Dan Ilustrasi Syirkah Dalam Ekonomi Islam Sarwo Edi
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 2 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

In matters of Islamic economics there are practically a lot of trade agreements. Franchising is a form of trade cooperation, in principle, may be done as long as there is no proof that forbids it, but it must be in line with sharia maqasid. In the process of the ongoing trade partnership, sometimes a dispute can occur, and the disagreement that eventually the partnership ended in a state of retreat, even not infrequently out of business. For this reason, it is time for the Islamic ummah to start their partnership system, referring to the Islamic model. Namely syirkah, so the system has a guarantee where the contract of choice is many and gives a definite direction and leads to peace of mind. At the very least, trade agreements using syirkah for business people are worth of worship, so that we are close to achieving the pleasure of Allah SWT.

Peran Lembaga Amil Zakat Ulil Albab Dalam Pemberdayaan Peserta Penerima Beasiswa Bagi Kaum Duafa Di Kota Medan uswah hasanah
AGHNIYA : Jurnal Ekonomi Islam Vol 1, No 1 (2019): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

This study aims to determine the role of LAZ UA in the empowerment of scholarship recipients for the duafa in Medan. Qualitative descriptive research type. Place of Taqwa Mosque Jl. Mongonsidi Gg A Medan and office Jl. Brigjed Katamso No 11 Medan. Techniques of collecting interview data, observation and documentation. Data analysis: reduction, display, verification. LAZ UA allocates some of its funds for scholarships. The obstacles of donor commitments are jammed in the middle of the road, and from the participants are not committed to the rules. The result is independence, provision of life-skills and fundamental changes in participants' attitudes.Keywords: poverty, LAZ Ulil Albab, empowerment of scholarship participants.

Pengaruh Religiusitas Terhadap Perilaku Distribusi Dan Perilaku Konsumsi Pedagang Muslim Di Kota Medan Susilawati .
AGHNIYA : Jurnal Ekonomi Islam Vol 2, No 1 (2020): AGHNIYA: Jurnal Ekonomi Islam
Publisher : Faculty of Islamic Religion, Universitas Muhammadiyah Sumatera Utara

This research was motivated by a phenomenon that researchers still found in the field where there was still a deviation in the value of religiosity in the merchant's business behavior, for example lack of weighing of goods and incompatibility of sample items in the catalog provided for buyers with genuine goods for sale . This study aims to examine whether religiosity in the aspects of aqeedah, worship, sharia and morals affect the behavior of distribution traders and consumption behavior of Muslim traders in the city of Medan. This research is quantitative. Data collection uses a list of questions distributed to 100 Muslim traders whose business scale is classified as micro and domiciled / business location in the city of Medan. Data analysis uses the method of Multiple Linear Regression Analysis and Descriptive Analysis. The results showed simultaneously (F test), religiosity significantly affected the distribution behavior and consumption behavior of Muslim traders. Partially (t test), the religiosity of the moral aspects significantly influences the distribution behavior, while the religiosity of the aqeedah, worship and sharia aspects does not significantly influence the distribution behavior of Muslim traders.

Page 4 of 9 | Total Record : 89

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Contact Name
Riyan Pradesyah

Contact Email
riyanpradesyah@umsu.ac.id

Phone
+6285270426678

Journal Mail Official
aghniya@umsu.ac.id

Editorial Address
Jl. Kapten Muchtar Basri No.3, Glugur Darat II, Kec. Medan Tim., Kota Medan, Sumatera Utara 20238 Fakultas Agama Islam, Universitas Muhammadiyah Sumatera Utara

Location
Kota medan,

Sumatera utara

INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Home Page

OAI Link

Editorial Team

Contact

Reviewer

Google Scholar

Contact Name Riyan Pradesyah

Contact Email riyanpradesyah@umsu.ac.id

Phone +6285270426678

Journal Mail Official aghniya@umsu.ac.id

Editorial Address Jl. Kapten Muchtar Basri No.3, Glugur Darat II, Kec. Medan Tim., Kota Medan, Sumatera Utara 20238 Fakultas Agama Islam, Universitas Muhammadiyah Sumatera Utara

Location Kota medan, Sumatera utara INDONESIA

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Contact Name
Riyan Pradesyah

Contact Email
riyanpradesyah@umsu.ac.id

Phone
+6285270426678

Journal Mail Official
aghniya@umsu.ac.id

Editorial Address
Jl. Kapten Muchtar Basri No.3, Glugur Darat II, Kec. Medan Tim., Kota Medan, Sumatera Utara 20238 Fakultas Agama Islam, Universitas Muhammadiyah Sumatera Utara

Location
Kota medan,

Sumatera utara

INDONESIA