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Nuryanti
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jurnalibf@uin-suska.ac.id
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+6281268539685
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INDONESIA
Islamic Business and Finance (IBF)
ISSN : 27221350     EISSN : 27221342     DOI : 10.24014
Core Subject : Economy,
Islamic Business and Finance merupakan jurnal yang diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Syariah dan Hukum Universitas Islam Negeri Sultan Syarif Kasim Riau. Islamic Business and Finance sebagai salah satu Media pengkajian dan penyajian karya Ilmiah terutama dibidang dalam bidang Ekonomi Islam bisnis dan keuangan Islam
Articles 39 Documents
Keputusan Konsumen Memilih Jasa Transportasi Go-Jek Yuliana Yuliana
ISLAMIC BUSINESS and FINANCE Vol 1, No 1 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i1.9431

Abstract

Penelitian ini dilatarbelakangi, karena Fenomena  yang terjadi sekarang ini bahwa masyarakat cenderung mengunakan jasa transportasi Go-Jek untuk kepentingan keseharian mulai dari mengantar ke pasar, kampus, dan memesan makanan. Mengunakan aplikasi jasa transportasi Go-Jek yaitu Go-Ride dan Go-Car. Adapun rumusan  masalah dalam penelitian ini adalah mengapa keputusan konsumen memilih jasa transportasi Go-Jek?. Adapun tujuan yang ingin dicapai dalam penelitian ini adalah untuk mengetahui alasan keputusan konsumen memilih jasa transportasi Go-Jek. Penelitian ini merupakan penelitian lapangan (field research) dengan menggunakan metode kualitatif, yang bertumpu pada pengumpulan data dengan observasi, wawancara, dan dokumentasi. Subjek atau sumber data primer adalah 50 orang yang dipilih dengan teknik Snowball Sampling adalah teknik pengambilan sampel sumber data yang awalnya jumlahnya sedikit lama-lama menjadi besar. Analisis penelitian menggunakan metode analisis deskriptif kualitatif. Setelah tahapan lapangan selesai, maka kesimpulan yang diperoleh kemudian dianalisis dalam konteks ekonomi syariah terhadap keputusan konsumen memilih jasa transportasi Go-Jek.
Pola Kemitraan PT. Ciomas Adisatwa Unit Bangkinang dalam Kerjasama Usaha Ternak Ayam Broiler Ditinjau dari Perpekstif Ekonomi Islam (Studi pada Usaha Ternak Ayam Broiler PT. Ciomas Adisatwa Unit Bangkinang) Novita Sari
ISLAMIC BUSINESS and FINANCE (IBF) Vol 1, No 2 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i2.9721

Abstract

The phenomenon of high public interest in business with Sharia-based Poultry Agribusiness Partnership, in which there is a proportional distribution of profits and losses. One company that applies a partnership pattern is PT. Ciomas Adisatwa Bangkinang unit. Nevertheless, a partnership system of PT. Ciomas Adisatwa Bangkinang unit is unknown whether it is based on the concept of Islamic economics or not. To reveal this, a qualitative approach was used in which the research informants were the head of PT Ciomas Adisatwa Bangkinang unit, the head of operations, the head of divisions, and an expert in Islamic Economics with snowball sampling technique. The results showed the partnership pattern implemented by PT Ciomas Adisatwa Bangkinang Unit was a plasma core partnership. This partnership pattern was analyzed based on the perspective of Islamic economics. As result, some processes were appropriate with the true concept of Syirkah and others were not. 
Pengaruh Label Syariah pada Hotel Terhadap Jumlah Pengunjung Hotel Sri Indrayani Pekanbaru Ika Ernita Sari; Husni Fuaddi; Yahanan Yahanan
ISLAMIC BUSINESS and FINANCE (IBF) Vol 2, No 1 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v2i1.12286

Abstract

This research was appointed with the background of the hospitality business which has developed into two, namely conventional and sharia hotels. In the conventional way, it can be successful, but if you lose, you will really lose but get a reward from Allah SWT. Based on the limitations of the existing problems, the formulation of the problem in this research is: What are the sharia indicators that are practiced at Sri Indrayani hotel? How does the use of sharia labels in hotels affect the number of visitors to Sri Indrayani hotels? This research uses primary data, namely data obtained directly from the object to be studied. And secondary data is obtained by certain institutions or institutions, such as bureaus and others. In this study, the subject is hotel managers and hotel visitors, the object is the influence of sharia labels on the number of visitors to Sri Indrayani Pekanbaru hotel. The population in this study were visitors and employees of Hotel Sri Indrayani Pekanbaru, amounting to 41 people. The results of the study show that the Sharia indicators implemented at the Sri Indrayani Hotel Pekanbaru are not accepting non-mahram couples and not providing non-halal food. Based on the research that has been done by reviewing the terms and conditions of the Sri Indrayani Hotel Pekanbaru, it can be explained that the conditions are in accordance with Islamic law. And the effect of the use of the sharia Lbel at the Sri Indrayani Hotel Pekanbaru, namely that visitors who stay stay calm and increase in many ways from year to year, visitors who stay are increasing.
Peran Wakaf Tanah Produktif Tehadap Peningkatan Sosio – Ekonomi Masyarakat Islam di Medan Sumatera Utara Mukhlis Mukhlis
ISLAMIC BUSINESS and FINANCE Vol 2, No 2 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v2i2.11538

Abstract

This research will provide an overview of the role of productive land waqf on the socio-economic improvement of the Islamic community in Medan, North Sumatra. This research method was carried out with qualitative descriptive research, the research location was carried out in Medan City. The results of this study are the use of productive waqf land is directed to the first three components to people who need funds for daily life, providing a third free education, free health services. part of the economic system that can help lift human goodness and values from underdevelopment. The utilization of the results of productive waqf land management gives a positive impression on the life of the Islamic community in the city of Medan, North Sumatra.
Mengelola Tambang Emas di Daerah Kabupaten Mandailing Natal Menurut Islam Edi Marjan Nasution
ISLAMIC BUSINESS and FINANCE Vol 1, No 1 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i1.9372

Abstract

Penelitian ini berjudul“Pengelolaan Sumber Daya Alam (Menurut Islam di Kabupaten Mandailing Natal)”. Adapun latar belakang penelitian ini adalah bahwa sumber daya alam merupakan potensi kekayaan bumi penyumbang devisa negara, oleh karena itu pengelolaannya harus beroreantasi pada kemaslahantan umat. Menurut hemat peneliti pengelolaan sumber daya alam di Indonesia mengalami permasalahan sehingga tidak signifikan untuk kemaslahatan dan kesehateraan sosial. Metode deskriptif analisis adalah suatu metode yang meneliti status kelompok manusia, objek, suatu kondisi, suatu sistem pemikiran, ataupun suatu kelas peristiwa pada masa sekarang dengan tujuan membuat deskripsi, gambaran atau lukisan sistematis, faktual dan akurat mengenai fakta-fakta, sifat, serta hubungan antara fenomena yang diselidiki. Rumusan penelitian ini dipandang penting guna menjawab bagaimana pengelolaan sumber daya alam secara islam dan pengelolaan sumber daya alam yang diterapkan di Indonesia. Penelitian ini menggunakan metode kualitatif deskreptif yang berdasarkan dari kenyataan tentang konsep pengelolaan sumber daya alam di Kabupaten Mandailing Natal. Proses analisis dilakukan dengan pendekatan filosofi dengan metode deskriptif, analitis dan heuristika dengan maksud semua data primer dan sekunder untuk meningkatkan pemahaman terhadap masalah analisis. Maka penelitian ini menghasilkan temuan bahwa: sumber daya alam harus dipandang sebagai kepemilikan umum yang pengelolaannya diberikan kepada Negara. Kedua, Seandainya Negara tidak mampu mengelola sumber daya alam karena keterbatasan sumber daya lainnya maka Negara boleh mempekerjakan pihak lain dan akan dibayar sesuai dengan jasa yang dilakukan.
Analisa Praktik Jual Beli Paket Data Internet Ditinjau dari Perspektif Ekonomi Islam Novanda Eka Nurazizah
ISLAMIC BUSINESS and FINANCE (IBF) Vol 1, No 2 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i2.10783

Abstract

This study discusses how to practice the sale and purchase of active period of internet data package in Counter komplek  pasarTamansari, concerning the validity period of internet data packet prime card. The existence of incompatibility of the active period of data packet raises a problem that resulted in a loss on either party. The ative period og internet data packets does not matc what is in the product packaging.  This research used qualitative research design, conducted in actual life or reality. In this case the object of research is the Counter komplek pasar tamansari.  Concluded that the law of sale and purchase is valid, because in accordance with harmonious and conditions af sale and purchase. However, the transaction object is inconsistent with the original agreement presented by the seller. In this case, than the benefits are not fully fulfilled due to the defects of the object being traded, then the sale is broken (fasid) or canceled.
Analisis Manajemen Penggunaan Dana Bank Berdasarkan Use of Fund by Priority dalam Mengoptimalkan Profitabilitas Perbankan Syariah di Indonesia Nur Hasanah Bustam
ISLAMIC BUSINESS and FINANCE (IBF) Vol 2, No 1 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v2i1.12523

Abstract

This study is to determine the effect Use of Funds by Priority in increasing the profitability of Islamic banking in Indonesia from 2011-2015. Samples in this study were 12 Islamic Banks and 22 Sharia Business Units. The data analysis method used is multiple linear regression analysis and hypothesis testing consisting of the F test, t-test, and R2 test. Based on the F test, it shows that simultaneously the variable placement of Wadhiah Demand Deposit funds with funds at BI, placement of funds in SWBI/SBIS, placement of funds in other Islamic banks, financing of mudharabah, financing of murabahah, and investment in securities has a significant effect on the profitability of Islamic banks in Indonesia. Meanwhile, partially with the t-test, it is found that the placement of Wadhiah Demand Deposit funds with BI, placement of funds with other Islamic banks, and investment in securities do not affect the profitability of Islamic banking in Indonesia. Meanwhile, the placement of funds in SWBI/SBIS and financing of mudharabah has a significant negative effect on the profitability of Islamic banking in Indonesia. Meanwhile, murabahah financing has a significant positive effect on the profitability of Islamic banking in Indonesia. Based on the R2 test, it was found that the contribution of the independent variable to the dependent variable was 68.9%, while the remaining 31.1% was influenced by other factors not included in this study.
Potensi dan Strategi Pengembangan Wakaf Uang di Indonesia Haniah Lubis
ISLAMIC BUSINESS and FINANCE Vol 1, No 1 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i1.9373

Abstract

Sebagai salah satu instrumen wakaf produktif, wakaf uang merupakan hal yang masih baru di Indonesia. Peluang untuk wakaf uang ada setelah Majelis Ulama Indonesia mengeluarkan  fatwa tentang bolehnya wakaf uang tahun 2002. Peluang yang lebih besar setelah disahkannya rancangan Undang-Undang Wakaf menjadi Undang-Undang Nomor 41 Tahun 2004 Tentang Wakaf. Dengan adanya Undang-Undang Wakaf tersebut memberikan harapan kepada semua pihak dalam upaya pemberdayaan ekonomi rakyat, di samping untuk kepentingan peribadatan dan sarana sosial lainnya. Permasalahan pokok dalam paper ini adalah bagaimana potensi wakaf uang di Indonesia dan hal apa saya yang menjadi kendala dalam pengembangan wakaf uang di Indonesia. Dengan demikian tujuan penelitian ini adalah untuk mendapatkan gambaran potensi wakaf uang di Indonesia dan mendapat gambaran hal- hal apa saja yang menjadi kendala dalam pengembangan wakaf uang di Indonesia dalam upaya pemberdayaan ekonomi umat. Adapun metode yang digunakan dalam tulisan ini merupakan kerangka tulisan hasil pemikiran (library riset). Sebagai lembaga resmi yang ditunjuk pemerintah untuk mensukseskan gerakan wakaf uang di Indonesia, Lembaga Keuangan Syraiah Penerima Wakaf  Uang  (LKS-PWU) memiliki tanggung jawab yang tidak kecil dalam menentukan sukses tidaknya gerakan wakaf uang di Indonesia. Bersama dengan Badan Wakaf Indonesia (BWI), LKS-PWU dapat melakukan kerja produktif untuk dapat mesukseskan program wakaf uang tersebut. Sejauh ini kerjasama LKS dan BWI yang ada di Indonesia belum berjalan dengan baik. Sehingga  kerjasama ini perlu ditingkatkan dalam bentuk yang lebih konkrit dan praktis sehingga gerakan wakaf uang bisa menjangkau sasaran wakif yang lebih luas yang pada gilirannya dapat menggalang dana wakaf uang. 
Penerapan Fatwa DSN MUI pada Pembiayaan Murabahah BPRS Hasanah Pekanbaru Mohd Winario; Husni Fuaddi
ISLAMIC BUSINESS and FINANCE (IBF) Vol 1, No 2 (2020): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v1i2.10779

Abstract

The research was based on a phenomenon that occurred in the community on the response that murabahah financing in Islamic banks is the same as loan transactions at conventional banks. It is also supported by the existence of the MUI DSN fatwa regulating murabahah financing. This research aims to know whether implementing murabahah financing is based on Islamic principles and whether it is under the fatwa set by the DSN-MUI. This research was conducted at BPRS Hasanah Pekanbaru. This study employed a qualitative descriptive analysis. The sampling method used snowball sampling. This research used interviews, observation, and documentation to collect data. The results showed that PT. BPRS Hasanah Pekanbaru in implementing murabahah financing is under the DSN-MUI Fatwa. Hence, it is necessary to increase caution in its implementation so that BPRS will continue being consistent in its Syariah and captivate the hearts of customers
Analisa Pendapatan dan Gaya Hidup Terhadap Pola Konsumsi Masyarakat Singosaren Ponorogo Rurin Dewi Anggraini
ISLAMIC BUSINESS and FINANCE (IBF) Vol 2, No 1 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/ibf.v2i1.11385

Abstract

This research was conducted because it saw the number of Islamic societies who behave consumptively and no longer pay attention to their Sharia as a Muslim. The number of factors that influence public consumption encourages researchers to know how the influence of income and lifestyle factors, Singosaren Ponorogo and to find out which factors have the most influence on the consumption of these people as a Muslim community. This research is a quantitative descriptive research. The population in this study is the Singosaren Ponorogo community who have fixed income and have worked for the past three years. By using interview techniques or interviews, the number of samples in this study amounted to 100 people. While the data analysis technique used is descriptive analysis with hypothesis testing carried out by multiple linear regression analysis with the SPSS 21 method. The results showed that income and lifestyle had a positive and significant effect on the consumption of Singosaren Ponorogo people. However, the income variable has the most dominant influence on the consumption of Singosaren Ponorogo people. From the regression results, the relation coefficient (R) shows that the independent variables (income and lifestyle) have a close relationship with the dependent variable (public consumption), a set of determination coefficients (R²) indicates a large influence between the independent variables and the dependent variable. Consumption made by the people of Singosaren is based on Islamic law, which is sourced from the Al-Quran and As-Sunnah according to the understanding of Salaf Ash-Salih (Manhaj Ahlusummah WalJamaah)

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