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Dedi Junaedi
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MASYARAKAT EKONOMI SYARIAH - IAI NASIONAL LAA ROIBA Sekretariat Kompleks Bogor View II Blok I No.2 Bogor 16640 Kontak 0812-1253-5890 Email: sekretariat@mes-bogoraya.net elmal@laaroiba.ac.id Website: http://journal.laaroiba.ac.id/index.php/elmal
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El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Published by Institut Agama Islam Nasional Laa Roiba Bogor
ISSN : 26202956     EISSN : 27470490     DOI : https://doi.org/10.47467/elmal
Core Subject : Religion, Economy, Education, Social,
Religion Economics, Econometrics & Finance Education Social Sciences
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam mempublikasi hasil riset dan kajian terkini bidang ekonomi, keuangan, manajemen dan bisnis Islam. Terbit dua kali setahun setiap Juni dan Desember. Jurnal ini dikelola oleh Pusat Riset dan Kajian Strategis (PRKS) Masyarakat Ekonomi Syariah (MES) Bogor Raya bekerjasama dengan Institut Agama Islam Nasional (IAI-N) Laa Roiba Bogor, Institut Agama Islam (IAI) Sahid Bogor dan Institut Umum Quro Al-Islami (IUQI) Bogor. P-ISSN 2620-2956 E-ISSN 2747-0490. Ruang lingkup naskah yang diterima meliputi hasil riset dan kajian ilmiah bidang: Ekonomi, Ekonomi Islam, Keuangan, Keuangan Islam, Bisnis, Bisnis Islam, Manajemen Islam, Industri Halal dan Literasi Khazanan Islam
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 526 Documents
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Motivasi Kerja dan Akuntabilitas Dosen Tetap di Perguruan Tinggi M. Shoffa Saifillah Al-Faruq; Muhammad Adib Abdushomad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 2 No 1 (2021): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.411 KB) | DOI: 10.47467/elmal.v2i1.266

Abstract

ABSTRACT Achieving the quality of higher education is largely determined by the quality of the lecturers in each field of science that they develop, innovative universities, quality and responsive to global developments and the local order for its success lies in development efforts and fostering the main driving force for growth, namely university lecturers. Motivation is an impulse / power that arises from oneself without any coercion from anyone to do a job. It has long been known that humans are social creatures. As a social being he needs affection, recognition of existence, a desire to have these various needs, humans work and try their best to fulfill that desire. Meanwhile, accountability is a manifestation of the obligation of a person or organizational unit to be accountable for the management and control of resources and the implementation of the policies entrusted to him in order to achieve the goals that have been set through the periodic accountability media.
Analisis Pengaruh Utang terhadap Perekonomian dan Kemiskinan di Indonesia Periode 1949-2017 Dedi Junaedi; Muhammad Rizal Arsyad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (776.411 KB) | DOI: 10.47467/elmal.v1i1.277

Abstract

Since independence, Indonesia has experienced seven changes of national leadership. Starting from Soekarno, Soeharto, BJ Habibie, Abdurahman Wahid, Megawati, Susilo Bambang Yudhoyono (SBY), to Joko Widodo. During that time, foreign debt is always present to patch the development budget deficit. Debt is expected to move the wheels of the economy, create growth, create jobs, and alleviate poverty. This study aims to analyze the effect of debt, inflation and government regime differences on economic growth and poverty levels in Indonesia, from the Old Order era, the New Order, to the Reform Order. The study used secondary data obtained from Bank Indonesia, the National Development Planning Agency (Bappenas), the Central Bureau of Statistics (BPS), the World Bank, and other reference sources such as books, journals and scientific papers. The data used are the value of foreign debt, national income (Gross Domestic Product / GDP), population, number and ratio of the poor, inflation rate in the period 1949 - 2017. The results of multiple regression analysis with dummy variable (using Eviews 10 application program) show the following results: Foreign debt has correlation with the national economic condition, in particular the value of Indonesian Gross Domestic Product and the level of poverty. Debt tends to increase the value of GDP and reduce poverty. In terms of debt governance as a driver of the economy and poverty, the Suharto and Habibie Era tend to be different and better than the Sukarno Era. While the debt management of Era Abdurrahman Wahid, Era Megawati, Era SBY and Era Jokowi no different or no better than Era Sukarno. Although nationally can increase GDP and reduce poverty, debt can not improve people's prosperity (read per capita income). Foreign debt even tends to reduce the level of welfare of the people. This applies to all government regimes.
Pengorganisasian Dalam Pandangan Islam Jamaludin Rahman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (872.131 KB) | DOI: 10.47467/elmal.v1i1.278

Abstract

The term organization has two general meanings. First, the organization is defined as an institution or functional group, for example: a company, a school, an association, government agencies. Second, referring to the organizing process, namely how work is organized and allocated among members, so that the goals of the organization can be effectively achieved. While the organization itself is defined as a group of people with a system of cooperation to achieve common goals. There are two help words contained in the Qur'an to study this organization. The word is Shaff and the Ummah. The word shaff inspires the concept that organizations must have members, consisting of people, in a place, there is order, purpose, leader, delegation of authority and responsibility, and there is sincere intention and struggle in the way of God. The conclusion that the organizational structure at the time of the Messenger of Allāh if reached the khalifah and is now almost the same, only different ideologies. Formerly using the law of Allah SWT, based on the Qur'an and hadith, while at this time we use the Pancasila ideology, using two sources of law: the civil / criminal law of the Dutch heritage and the compilation of Islamic law. At the time of Islam, financial instruments focus on the zakat and tax sectors, while for our government today we use more tax financial instruments. Organizations in the view of Islam are not merely a container, but rather emphasize how a job is done neatly. The organization places more emphasis on regulating work mechanisms. every person who accepts the leadership task that the highest leadership belongs to Allah, for that the leadership given and carried out must always refer to the basic concepts bui lt in Islam. The thing that must be realized that in a good organization must also be accompanied by Islamic values including sincerity, togetherness and sacrifice.
Analisa Faktor Internal Penyebab NPL Kredit Mikro: Studi Kasus PT BPR Wahana Sentra Artha Majalengka Faisal Salistia
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (495.536 KB) | DOI: 10.47467/elmal.v1i1.279

Abstract

The role of BPRs in providing capital assistance to MSME business units, still has to deal with the internal management of the bank's own management. This must be understood because one of the factors to assess the health of a BPR is to look at the NPL (Non- Performing Loan) ratio, calculated from the total loans that fall into the non -current category, divided by the total credit given. Where is the maximum ratio determined by Bank Indonesia, which is below 5%. This means that if a BPR has an NPL ratio above 5%, then it can be assumed that there is a failure in implementing an inefficient and ineffective lending strategy. Therefore, it is necessary to examine the factors that influence the high NPL of rural banks (BPR), especially from credit lending strategies. In addition, economic conditions and business competition and forecasting of future conditions, conduct training for AO to sharpen credit analysis, ensure that the process of submission and disbursement of credit quickly and easily provides various alternative options for debtors to pay their credit, providing standard procedure for granting credit, conducting a survey of the place of business against the submission of business credit. The research objective is to analyze 1) the influence of BP's internal conditions on the lending strategy. 2) Analyzing the effect of Credit Giving Strategy on Non -Performing Loans. The research method uses a survey method with a multiple linear regression approach to obtain information on the influence of both of these. The results of the study show that 1) the internal condition of the BPR has a positive and significant effect on the lending strategy (the condition of the organization within the organization and formally has direct and specific implications on BPR). 2) that the lending strategy has a negative and significant effect on NPL. The lending strategy applied by BPRs is a means to control the development of credit thrown into the market by the BPR.
Penyusunan dan Pemilihan Portofolio yang Efektif: Yudi Permana
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1094.746 KB) | DOI: 10.47467/elmal.v1i1.280

Abstract

One thing that investors need to decide to choose the best option in their investment is the best portfolio arrangement. But, the problem was that many of them couldn’t make and arrange their portfolio arrangement well. So, this study was trying give them the way how to arrange the best portfolio and choose the best stock for their investment. This study was conducted by using Markowitz statistical model. The study lasted for four weeks and used five different stocks AT Bursa Efek Indonesia. They were (1) PT. Astra Internationan Indonesia (ASII), (2) PT. Telkom Indonesia (TLKM), (3) PT. Astra Agro Lestari (AALI), (4) PT. Bank Rakyat Indonesia (BBRI), and (5) PT. Aneka Tambang Tbk stocks (ANTM). The result showed that the stocks of PT. Astra Agro Lestari (AALI) and PT. Aneka Tambang Tbk stock (ANTM) as the best options to invest in stocks based on the markowitz portfolio model.
Pengaruh Persepsi Mahasiswa terhadap Minat Menabung di Bank Syariah: Rohmatul Umah; Rio Kartika Supriyatna; Musa Hubeis
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (682.014 KB) | DOI: 10.47467/elmal.v1i1.281

Abstract

This research was motivated by the low interest in saving FEBI INAIS students in Islamic Banks. The purpose of the study was to analyze the influence of the perception of FEBI INAIS students on the interest in saving at a Sharia Bank This research is quantitative and data collection method with questionnaire distribution technique. The total population is 386 FEBI INAIS active students, using random sampling techniques and the sample used by 200 respondents taken using the Slovin method, the analysis used in this study is simple linear regression analysis, which consists of one dependent variable and one independent variable. The results showed that the variables of student perceptions of Islamic banks had a real and positive influence on the interest in saving FEBI INAIS students in Islamic banks. The perception of FEBI INAIS students contributed to the influence of interest in saving in Islamic Banks 22.9%, and the rest (77.1%) was the influence of other factors, which were not examined.
Prinsip-Prinsip Kepemilikan Harta Dalam Islam Lukman Hamdani
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (681.872 KB) | DOI: 10.47467/elmal.v1i1.282

Abstract

Property is one of the most important instruments in this life, because wealth is as a support for the continuity of human life, in Islam it is always emphasized the importance of independence in owning property through work or business, because Allah really loves his servant who is always giving alms with his own property. Allah Almighty really likes hard workers or people who are persistent in seeking treasure for the sake of the afterlife, even Allah SWT emphasizes in Surah at-taubah father 10. And Say: "Work for you, Then Allah and His Messenger and the believers will see your work, and you will be returned to (Allah) who knows the unseen and the real, then He tells you what you have done. Even the Companions of the Messenger of Allāh adalah were rich people who possessed wealth for the progress and development of Islam at the time, a very real example was the Friends of Abu Bakr, Abdurrah bin ʻAuf, Uthman ibn Affan and the Wife of the Messenger of Allāh adalah was a great entrepreneur, Siti Khadijah. They are friends looking for wealth and have it as much as possible then after that they distribute their wealth through ZISWAF, it is obligatory and must for Muslims to seek / have property for the benefit of the world and the hereafter and the interests of Muslims and provision in the hereafter Can be concluded that ownership of property in Islam it is very important because it is a means of sustaining life and as a place to find savings for ukhrawi life later, because indeed ownership of property in Islam is not only focused on worldly matters, but there are two elements that are always included, namely for worldly and spiritual interests. It should be underlined in the ownership of the property that the principle must be instilled that this property has the absolute God Almighty, we are only temporarily entrusted, therefore it is not beautiful to not distribute the assets we have to people in need through ZISWAF instruments.
Faktor Penyebab Rendahnya Minat UMKM di Kecamatan Pamijahan Dalam Memilih Pembiayaan pada Bank Syariah Hanifah Aqliyah; Evinovita Evinovita
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1084.847 KB) | DOI: 10.47467/elmal.v1i1.294

Abstract

This study aims to analyze the factors causing low interest of MSMEs in Pamijahan District in choosing financing for Islamic banks. The study was conducted using quantitative research methods with primary data from the secondary. Primary data was obtained through a questionnaire survey of the Pamijahan community. The sample, a number of 25 UMKM in the Pamijahan Subdistrict neighborhood, was taken proportionally puporsif. The study period was three months in the April-June 2018 period. Based on the partial test (t test) shows that promotion has a positive influence on the interests of UMKM in Pamijahan District. Based on the simultaneous test (test f), products, financing procedures, promotion and profit sharing together have a positive effect on the increasing interest of UMKM in Pamijahan District in choosing financing in Islamic banks (R2 0.609). The most dominant factor influencing the increasing interest of UMKM in Pamijahan District, choosing Islamic bank financing is the promotion factor.
Konsep Produksi Islami Samsul Basri; Efrita Norman
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (868.826 KB) | DOI: 10.47467/elmal.v1i1.295

Abstract

This study was to explain about the concept of production in Islamic perspective.This study was also purposed to give explanation about the Islamic concept of production. Production was thought to play important role in economic activities. It was impossible to do other economic activities such as consumption, distribution or trading without the production itself. In conventional term, production was limited as a process to make or create something, such as product, etc. It had placed profit over everything. On the other hand, in Islamic perspective, the production had been placed on the spirit of Islam itself. It contained fairness, benefit for either the producer or consumer. Shortly, it related to the principles of Islam.
Pengaruh Pergerakan Tingkat Suku Bunga dan Inflasi terhadap Nilai Aktiva Bersih Reksadana Saham Evinovita Evinovita; Anwar Rahim; Handono Ishardyatmo
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 1 No 1 (2020): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (612.198 KB) | DOI: 10.47467/elmal.v1i1.296

Abstract

This study aims at determining the influence of BI interest rate and inflation toward NAV balance mutual funds. This research was conducted during the period of data since 2008 to 2012. The sample used was the 30 balance mutual funds that are registered and active traded in Bapepam. From the results of the research literature conclude the basic assumptions that variable BI interest rate, and inflation levels affect the NAV of balance mutual funds. Hypothetical tested is that there is a significant influence among independent variables to dependent variables, both partial and simultaneous. Research was conducted with regression analysis using application of Eviews 6.0. The test results shows that thypothetical is supported by data. Variable index BI interest rate can influence a positive significant to NAV balance mutual funds amounted 2,152514; inflastion levels can influence a negative significant to NAV balance mutual funds amounted 0,730341; the independent variables BI rate (X1) and inflastion (X2) both partial and simultaneous can influence to NAV balance mutual funds at trust level 5%.

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