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INDONESIA
Jurnal Ekonomi dan Perbankan Syariah
ISSN : 23551755     EISSN : 25796437     DOI : https://doi.org/10.46899/jeps.v9i1
Core Subject : Economy, Social,
Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers since 2013. Starting in 2018 onwards, we encourage authors to only submit research papers written in good-read English academic writing. The journal is designed to provide a forum for researchers or academicians and also practitioners who are interested in knowledge and in discussing ideas, issues and challenges in the field of Islamic economic and banking. To solve the problem of the ummah and to provide the solution for the gap between the theories and practices. The scope or coverage of this journal will include but are not limited to Islamic economics, Islamic business, Islamic banking, Islamic capital markets, Islamic wealth management, issues on shariah implementation/practices of Islamic banking, zakat and awqaf, takaful, Islamic corporate finance, shariah-compliant risk management, Islamic derivatives, issues of Shariah Supervisory Boards, Islamic business ethics.
Articles 102 Documents
PRODUK PEMBIAYAAN SOSIAL PADA PERBANKAN SYARIAH DI INDONESIA Falikhatun Falikhatun; Sri Iswati; Mohammad Saleh
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 5, No 1 (2017): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v5i1.166

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ABSTRAK. Penelitian ini bertujuan untuk menganalisis secara mendalammengenai produk pembiayaan sosial pada perbankan syariah di Indonesia. Paradigma yang digunakan dalam penelitian ini adalah paradigma interpretif dengan pendekatan fenomenologi. Pendekatan ini digunakan untuk menggali informasi yang terkait dengan pengalaman Muqridh (orang yang berpiutang) dalam implementasi produk pembiayaan sosial. Pengumpulan data dilakukandengan wawancara mendalam, observasi dan dokumentasi, sedangkan analisis yang digunakan adalah Analisis Fenomenologi Interpretatif. Hasil analisis menyimpulkan bahwa menurut pengalaman Muqridh, obyek produk pembiayaan sosial pada perbankan syariah di Indonesia meliputi Uang Muka Gaji (UMG), Rahn Emas dan HawalahKata kunci: Hawalah, Rahn Emas, Uang Muka GajiABSTRACT. The study aims to analyze in depth about social financing products on Islamic banking in Indonesia. The paradigm that is used in this research is interpretive paradigm approach to Phenomenology. This approach is used to dig up the information associated with the experience of Muqridh in the implementation of social financing products. Data collection is done with the interview, observation and documentation, while analysis is the analysis of Interpretive Phenomenology. The results of the analysis concluded thataccording to the experience of the Muqridh, the object of social financingproducts on Islamic banking in Indonesia include an advance salary, the gold Rahn and the HawalahKeywords: Hawalah, Gold Rahn Emas, Advance salary
DISCLOSURE OF CASH RECEIPT AND EXPENDITURE OF BAITUL MAAL HIDAYATULLAH D.I YOGYAKARTA REPRESENTATIVE AS A GRASS ROOT ENTITY FOR THE ECONOMIC EMPOWERMENT OF PESANTREN IN THE NEW NORMAL ERA Mila Alim Bachri
Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i2.187

Abstract

Baitul Maal Hidayatullah Yogyakarta is considered a grass-root entity that has an obligation to provide stimulus during the pandemic and improve the welfare of its members during the Covid-19 pandemic. The financial reports in order to increase credibility and its role must be maximized. The research will have the aim of knowing the application of the internal control system in the cash receipt and cash disbursement cycle and identifying the weaknesses and strengths that have been implemented. This study used a descriptive research method using a factual approach and also journals as literature and conducting observations and analysis at the Baitul Maal Hidayatullah Yogyakarta and conducted a qualitative study. The results of the study measured 5 aspects of the application of internal control in the cycle of cash receipts and disbursements according to COSO at the Baitul Maal Hidayatullah Yogyakarta, namely 1) control environment, 2) risk assessment, 3) control activities, 4) information and communication and 5) monitoring. From these results, it is concluded that the implementation of the internal control system in the cash receipt and cash disbursement cycle of the Baitul Maal Hidayatullah Yogyakarta Mosque has been going well, in line with the identified strengths and weaknesses. Weakness points such as managing using basic applications can potentially be developed further.
Pola Rescheduling Pada Pembiayaan Bermasalah Berakad Murabahah Di Bank Syariah Andini Salamah; Arrison Hendry
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 6, No 1 (2018): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v6i1.86

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This study aims to examine further related to problem financing, especially in murabahah financing. The research method used is a qualitative approach with descriptive analysis. The results of this study are, the rescheduling process undertaken by Islamic banks is to extend the term of financing and installment, with customer’s critera: decreased ability to pay, has a good business prospect, able to fulfill obligations after rescheduling. Second, Islamic bank must apply the provisions of the Fatwa DSN MUI that should not add to the remaining amount of bills, charging the cost in the rescheduling process is the real cost, and the extension of time payer must based on the agreement of both parties. Third, in the case of problem financing in effect after rescheduling is done, then the action that can be performed by the Islamic bank is to convert the murabahah financing contract into the qardh financing agreement.
Analysis Of Using Islamic Bank Social Media And Website In The E-Marketing Concept Using Attention, Interest, Search, Action, Share (AISAS) Methods Silmi Safira; Iqbal Fadli Muhammad; Muhammad Doddy
Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.100

Abstract

This study aims to analyze the extent to which Islamic banks, especially sharia commercial banks, have used websites and social media in the concept of e-marketing. The scope of this research is 13 Islamic commercial banks. The method used is the AISAS method (Attention, Interest, Seacrh, Action, Share). The result is that from the 13 Islamic banks, the top 5 banks in utilizing websites and social media for e-marketing are: Bank Syariah Mandiri, Bank BNI Syariah, Bank Muamalat, BRI Syariah Bank, and BJB Syariah Bank. implication of this study is that Islamic banking is better at maximizing the approach to the community by utilizing digital media to get the attention of customers or prospective customers. Because in modern times social media is something that is so important for people's lives.
Peran Baitul Maal Wat Tamwil Dalam Pemberdayaan Usaha Mikro (studi kasus KJKS BMT Solusi Harapan) Randhi Rukmana; Nur S Bukhari
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 2, No 1 (2014): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v2i1.142

Abstract

Keberadaan Lembaga Keuangan Mikro/Syariah (LKM/S) merupakan solusi terbaik dalam pengurangan kemiskinan terutama negara-negara berkembang seperti Indonesia. Saat ini keseluruhan struktur ekonomiIndonesia terdiri dari 56,53 juta pengusaha yang ada, sekitar 56,52 juta atau 99,99% adalah pengusaha mikro, kecil dan menengah. Dan 98,79% didominasi oleh pengusaha mikro. Hanya LKM-lah yang mampu memfasilitasinya dengan memberikan kepada mereka modal usaha (Pembiayaan produktif) untuk bekerja. Salah satu lembaga keuangan mikro syariah masa kini yang paling strategis dan fungsional adalah Baitul Mal wat Tamwil (BMT). BMT tergolong lebih lincah dan fleksibel karena tak fully regulated. lewat BMT, masyarakat miskin dan pedagangkecil akan dilepaskan dari jeratan riba (bunga) dan mengalihkan kepada system ekonomi Islam dengan system bagi hasil. Berangkat dari permasalahan tersebut, penelitian ini bertujuan untuk mengetahui bagaimana peran KJKS BMT Solusi Harapan sebagai lembaga keuangan mikro syariah dalam penyaluran dana demi terwujudnya misi pemberdayaan usaha mikro dan faktor apa yang menjadi keunggulan dan kendala BMT dalam proses tersebut. Untuk memecahkan permasalahan diatas, maka penulis melakukan penelitian dengan menggunakan metode observasi dan interview sebagai sebagai data primer dan dokumentas sebagai data sekunder. Sedangkan analisa data menggunakan teknik analisis kualitatif dengan metode deskriptif. Hasil dari penelitian ini dapat dipaparkan bahwa keberadaan BMT sangat strategis, demi terangkatnyaekonomi rakyat kelas bawah. KJKS BMT Solusi Harapan hanyamemprioritaskan pada pembiayaan produktif agar secara tidak langsung masyarakat akan belajar memahami system ekonomi syariah dan mampu membedakannya dengan system konvensional (system bunga). Terdapat beberapa kesuksesan BMT dalam menyalurkan dananya demi terwujudnya misi pemberdayaan usaha mikro, yaitu letak BMT yang sangat strategis yaitu dekat dengan pasar dan banyak pelaku usaha mikro di daerah tersebut. Dan yang menjadi kendala adalah kredit macet dan sulitnya mencari nasabah yang produktif.Kata kunci :Usaha Mikro dan Kecil, Baitul Mal wat Tamwil, Pemberdayaan, Pembiayaan ABSTRACTThe existence of LKM/LKMS is a best solution for removing poverty in developing country, like Indonesia. Nowadays, the structure economy of Indonesia consists of 56,53 million business doers which about 56,52 million or 99,99% is micro, small and middle enterprise doers. And 98.79% is dominated by micro enterprise. Only LKM is able to finance (productive financing) for their business. One of the most strategic and functional Syariah Micro Finance Institution is Baitul Mal Wa Tamwil (BMT). Its non fully regulated makes it more active and flexible institution. Retailers and people under standard living do not pay interest in BMT, it has profit sharing system. Based on the problem, this research aims to know the role of KJKS BMT Solusi Harapan as syariah micro finance institution in financing to achieve the mission of micro enterprise empowerment and the factors of strength and weakness of BMT process of it. To solve the problem, the observation and interview method as primary data and documentation as secondary data are used in thisresearch. And data analysis is done by qualitative analysis withdescriptive method. The result of this research shows the existence of BMT is much strategic to change the people who live under standard living into a better one. KJKS BMT Solusi harapan only prioritizes productive financing to make people understand indirectly the differences between syariah system and conventional one (interest rate system). BMT strategic location closes to traditional market which many micro enterprise doers is one of BMT success factors in its financing. And the obstacles are non-performing financing and the difficulty of looking for productive costumer.Keywords: Micro and Small Enterprise, Baitul Mal wat Tamwil, Empowerment, Financing
ANALISIS KINERJA PERBANKAN SYARIAH DI INDONESIA DAN MALAYSIA DENGAN PENDEKATAN MAQASHID INDEKS Muhammad Al-Ghifari; Luqman Hakim Handoko; Endang Ahmad Yani
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 2 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i2.160

Abstract

The measurement of Islamic banking usually uses a conventional measurement. But to evaluate performance of Islamic banking can not be equated to conventional banks, because they have different purpose and views. Therefore aims to understand the performance of Islamic banks based on the maqashid index approach. Objects research consisting of four Islamic banks in Indonesia (Bank Syariah Mandiri, Bank Muamalat indonesia, Bank Rakyat Indonesia Syariah and Bank Negara Indonesia Syariah) and four Islamicbanks in Malaysia (Bank Islam Malaysia Berhad, CIMB Islamic Bank, Maybank Islamic Berhad and RHB Islamic Bank) for years 2011-2014. Then, Islamic banks measured and rank its performance based on three steps: 1) the ratio performance 2) performance indicators and 3) the overall maqashid index. The research showed, that Bank Muamalat Indonesia has the highest performance is 15.12%. Next, the lowest performance is 7.02% by CIMB Islamic Bank.Penilaian kinerja perbankan syariah biasanya menggunakan alat ukur konvensional. Padahal untuk menilai kinerja perbankan syariah tidak dapat disamakan dengan perbankan konvensional, karena keduanya memiliki tujuan dan pandangan yang berbeda. Penelitian ini bertujuan untuk mengetahui kinerja perbankan syariah dengan pendekatan maqashid indeks. Objek penelitian terdiri dari empat bank syariah di Indonesia (Bank Syariah Mandiri, Bank Muamalat Indonesia, Bank Rakyat Indonesia Syariah dan Bank Negara Indonesia Syariah) dan empat bank syariah Malaysia (Bank Islam Malaysia Berhad, CIMB Islamic Bank, Maybank Islamic Berhad dan RHB Islamic Bank) selama tahun 2011-2014. Kemudian, bank syariah diukur dan diranking kinerjanya berdasarkan tiga langkah: 1) rasio kinerja 2) indikator kinerja dan 3) maqashid indeks secara keseluruhan. Berdasarkan hasil penelitian, dapat disimpulkan bahwa Bank Muamalat Indonesia memiliki kinerja tertinggi di dengan nilai 15.12%. Selanjutnya, kinerja terendah terjadi di CIMB Islamic Bank dengan 7.02%.
FINANCING DISTRIBUTION, FINANCING TO DEPOSIT RATIO (FDR) AND NON PERFORMING FINANCING (NPF) ON PROFITABILITY OF THE ISLAMIC RURAL BANKS IN BANTEN PROVINCE Nailul Mubarokah; Umiyati Umiyati
Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i2.197

Abstract

This study aims to determine empirical evidence about the effect of profit sharing financing, sale and purchase financing, FDR and NPF on the profitability (ROA) of Islamic Rural Banks (BPRS) in Banten Province. The type of data in this study is secondary data using panel data. The research object was five Islamic Rural Banks in Banten Province and research period from the first quarter to the fourth quarter of 2013-2019. The research sample was selected using purposive sampling technique. The analysis method used is Panel Data Regression Analysis with Eviews 10 software. The results obtained in this study indicate that there is no significant influence between the Profit Sharing variable on Profitability (ROA) partially. Sale and Purchase Financing, FDR, and NPF variables partially have a significant effect on profitability (ROA). Simultaneously, Profit Sharing, Sale and Purchase Financing, FDR, and NPF have a significant effect on Profitability (ROA).
Model Pengelolaan Badan Usaha Milik Desa (BUMDes) Dalam Membangun Perekonomian Desa (Studi Kasus Desa Masalima) Ryan Marala; Hendro Wibowo; Rachmat Rizky Kurniawan
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 6, No 1 (2018): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v6i1.90

Abstract

The author conducts research Model Management of Village Owned Enterprises (BUMDes) in Building Village Economy. The goal is to know and recognize the attraction and potential of Masalima Village to be optimized and know how to set up Village Owned Enterprises (BUMDes) as well as to know the Model Management of BUMDes in improving the economy of Masalima Village community. The research method used is the type of qualitative research with descriptive description is a study that aims to obtain a picture to understand and explain the model management of Village Owned Enterprises (BUMDes) in Developing the Village Economy. In this study the authors analyze what potentials can be developed in Masalima Village so that it can be developed and processed through the Village Owned Enterprises (BUMDes).
Peranan Pemerintah Dalam Mendorong Pertumbuhan Bank Syariah Ishak Trianda
Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 1 (2013): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v1i1.138

Abstract

Pemerintah Indonesia sebagai motor penggerak pembangunan nasional. Sudah saatnya melakukan planning ke depan untuk menjadikan Indonesia sebagai pusat sentral ekonomi syariah dunia. Untuk itu perlu akselerasi daya saing industri ekonomi syariah nasional. Diawali dengan menyiapkan anggaran yang significan untuk sosialisasi terhadap perangkat-perangkat pendukung yang membuat bangkit dan berkembangnya ekonomi syariah tersebut khususnya perbankan syariah. Diantaranya menyiapkan sumber daya manusia yang handal diperkirakan kedepan membutuhkan 200 ribu tenaga kerja baru untuk keuangan dan perbankan syariah, menyiapkan angggaran sosialisasi terhadap sekitar 85 % penduduk Indonesia yang beragama Islam ( 240 juta jiwa) calon pengguna dan pemanfaat industri keuangan perbankan syariah tanah air. Termasuk keseluruh pesantren di 33 propinsi Indonesia ( 25 ribu pesanteren), pada 3,7 juta santri dan sejumlah kelompok usaha mikro syariah dan BMT. Diharapkan nantinya menjadi penopang pembangunan nasional agar mampu membangun pondasi ekonomi yang kuat, regulasi, persaingan industri yang sehat, pelaku industri modern, teknologi tepat guna sehingga menopang efisiensi industri. Sehingga pada saatnya menjadikan Indonesia sebagai motor penggerak ekonomi syariah dunia melampaui Arab Saudi, Iran dan Malaysia. Sangat memungkinkan, karena saat ini juga perkembangan ekonomi syariah Indonesia terus tumbuh mencapai 40 % setiap tahun dibandingkan pertumbuhan ekonomi konvensional hanya 19 %. Bahkan saat ini Indonesiapun dapat disebut negara dengan industri keuangan syariah terbesar di dunia karena memiliki lebih 20 ribu buah koperasi syariah dan Balai Mandiri Syariah Terpadu.Kata kunci : Sentral Ekonomi Syariah, Akselerasi, SosialisasiAbstractIndonesian government as a driving force of national development. It is time to do the planning ahead to make Indonesia as the central hub of Islamic finance world. It is necessary to accelerate the competitiveness of the national industry of Islamic finance. Begins with setting up a budget that significan to disseminate the devices that make up and support the development of Islamic economics is particularly Islamic banking. Among prepare qualified human resources estimated future need 200 thousand new workers for the Islamic banking and finance, preparing budget socialization of around 85% of Indonesia's population is Muslim (240 million) of potential users and beneficiaries of Islamic Banking industry country. Including schools in 33 provinces throughout Indonesia (25 thousand pesanteren), at 3.7 million students and a number of Islamic micro business group and BMT. Expected later became the backbone of national development in order to be able to build a strong economic foundation, regulatory, industry competition is healthy, modern industry, appropriate technologies that support the efficiency of the industry. So that in time to make Indonesia as the Islamic world's economic powerhouse surpassed Saudi Arabia, Iran and Malaysia. It is possible, because today the development of Islamic finance Indonesia continues to grow at 40% per year compared to conventional economic growth is only 19%. Even today Indonesia to be called the country with the largest Islamic finance industry in the world because it has more than 20 thousand pieces and cooperative Islamic Syariah Mandiri Integrated Hall.Key words : Shari’a Economics Center, Accelerate, Sosialization
PENGARUH KURS VALUTA ASING DAN TINGKAT BAGI HASIL TERHADAP VOLUME DEPOSITO MUDHARABAH USD PADA PERBANKAN SYARIAH (PERIODE JANUARI 2011- MARET 2015) Rianti Pratiwi; Asshiddiqi Lukmana
Jurnal Ekonomi dan Perbankan Syariah Vol 3, No 1 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i1.154

Abstract

ABSTRAK: Tujuan penelitian ini adalah untuk menganalisis pengaruh kurs USD dan tingkat bagi hasil deposito mudharabah USD terhadap volume deposito mudharabah USD pada perbankan syariah. Data yang digunakan pada penelitian ini adalah data bulanan dari Januari 2011 sampai Maret 2015. Penelitian ini menggunakan metode analisis linier regresi berganda dengan menggunakan program komputer SPSS versi 22.0 dan Microsoft Excel 2010. Hasil analisis menunjukkan bahwa secara parsial, kurs USD berpengaruh positf signifikan terhadap volume deposito mudharabah USD, sedangkan tingkat bagi hasil deposito mudharabah USD berpengaruh negatif tidak signifikan. Secara simultan variabel kurs USD dan tingkat bagi hasil deposito mudharabah USD berpengaruh signifikan terhadap volume deposito mudharabah USD. Hal ini dibuktikan dengan nilai sig-F 0,000 yang lebih kecil dari signifikansi 5%. Kemampuan prediksi dari kedua variabel tersebut terhadap volume deposito mudharabah USD adalah 88,4%. sebagaimana ditunjukkan oleh besarnya adjusted R square, sedangkan sisanya 11,6% dipengaruhi oleh faktor lain.Kata Kunci : Kurs, Tingkat Bagi Hasil Deposito Mudharabah, Volume Deposito Mudharabah dan Analisis Regresi linierABSTRACT: The purpose of this study was to analyze the influence of the USD exchange rate and the rate for the mudharabah deposit for USD toward the volume of deposit of mudharabah. The data used in this study is the monthly data from January 2011 to March 2015. This study uses linear regression analysis using SPSS version 22.0 and Microsoft Excel 2010. The analysis showed that partially, the USD exchange rate impact positf significantly to the volume of deposits mudaraba USD, while the rate for the deposits of USD mudharabah significant negative effect. Simultaneously, USD rate and deposits of USD mudharabah significantly affect the volume of deposits mudarabah USD. This is evidenced by the value of sig-F 0,000 less than the 5% significance. The predictive ability of the variables on the volume of deposits was 88.4% mudharabah USD. As indicated by the adjusted R-square, while the remaining 11.6% is influenced by other factors.Keywords: kurs, Rate of Profit of Mudharabah Deposit, volume of Deposit, and regresseion analisys

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