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Contact Name
Nuryanti
Contact Email
jurnalibf@uin-suska.ac.id
Phone
+6281268539685
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jurnalibf@uin-suska.ac.id
Editorial Address
Jl. Subrantas Km. 15, Pekanbaru, 28293.
Location
Kab. kampar,
Riau
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 24 Documents
Peran Wakaf Tanah Produktif Tehadap Peningkatan Sosio – Ekonomi Masyarakat Islam di Medan Sumatera Utara Mukhlis Mukhlis
ISLAMIC BUSINESS and FINANCE (IBF) Vol 2, No 2 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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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.
Peran Pelatihan Kerja Dalam Meningkatkan Potensi Sumber Daya Manusia Pada Upt-Lk Wilayah I Provinsi Riau Menurut Perspektif Ekonomi Syariah Kamal Hadi; Rozi Andrini; Sriyani Sriyani
ISLAMIC BUSINESS and FINANCE (IBF) Vol 2, No 2 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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This paper analyzes the role of job training in increasing the potential of human resources in UPT-LK Region I Riau Province according to a sharia economic perspective and explores the supporting and inhibiting factors in the implementation of job training. This study is essential considering that increasing the potential of human resources is an effort that must be made to compete in the world of work. One of the efforts that can be done to increase human resources' potential is by on-the-job training. This research is field research with qualitative descriptive analysis. The study results indicate that job training has a significant role in increasing the potential of human resources. The trainees stated that they had gained additional knowledge and skills. Factors supporting the implementation of job training at UPT-LK Region I Riau Province, including training materials, instructors, participants' abilities, funding, and strategic locations. While the inhibiting factors are related to facilities and infrastructure, some participants resigned during the training. There is no alumni association of training participants, so that there is no data on graduates who have worked according to the exercise that has been followed. The sharia economic review regarding the role of job training at UPT-LK Region I Riau Province, in general, is by sharia principles, namely kafa'ah, himmatul-Amal, and Amanah. Keywords: Role, Job Training, HR
Hukum Menerima Titipan dan Tata Cara Menjaga Barang dalam Akad Wadi’ah menurut Perspektif Ulama Fiqh Jaidil kamal
ISLAMIC BUSINESS and FINANCE (IBF) Vol 2, No 2 (2021): ISLAMIC BUSINESS and FINANCE
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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AbstractThis writing aims to analyze the concept of the Wadi’ah contract related to the law of receiving and the procedures for maintaining the goods deposited in the wadi'ah contract according to the perspective of fiqh scholars. The scholars of the madhhab of fiqh view that it is an obligation to keep the goods deposited in the wadi'ah contract. Safeguarding the deposited goods is a form of debt in accepting the trust that the giver of the deposit has entrusted. This care is carried out by the person who receives the deposit independently or may also be assisted by another person who is still within the scope of his residence. There was a difference of opinion among the scholars regarding the issue of how to safeguard the goods deposited in the wadi'ah contract. Hanafi and Hambali scholars stated that the party entrusted with it should take care of the goods as if they were their own by trying their best. The Hanafi and Maliki scholars also state that assigned people may ask for the help of others to keep the deposit in the place of those who are their dependents. Meanwhile, scholars from the Shafi'i school stated that the entrusted person is obliged to take care of the deposited item himself.Keywords: Wadi'ah, Fiqh Scholars, Deposits
Penerapan Teknologi Metaverse pada Bank Syari’ah Slamet Riyadi
ISLAMIC BUSINESS and FINANCE (IBF) Vol 3, No 1 (2022): ISLAMIC BUSINESS and FINANCE (IBF)
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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Computer Science innovation plays a major role in everyday life-changing and enriching human interaction, communication, and social transactions. Currently, the fourth wave of computational innovation is underway relating to spatial (mapping), immersive technologies such as Virtual Reality (VR), and Augmented Reality (AR). Metaverse is a new interface that is expected to be used to perform all kinds of human-computer interactions. Bank BRI and Bank Mandiri are conventional banks that are starting to enter the metaverse ecosystem. Of the features that have been provided by BSI, there are no features related to the metaverse. From the search that the author did from various sources,untill now there has been no Islamic bank in Indonesia that has begun to penetrate the world of the metaverse. In this article, the focus of the discussion is on the metaverse application that can be used for virtual branch offices of Islamic banks. With the virtual branch in Metaverse, of course, it is hoped that it can be a new, fun journey for customers while at the same time being able to reach a wider community to carry out various digital transaction services as well as better customer service in the future. Spatial is one of the most worthy metaverse applications for the banking world, including Islamic banks. Spatial application provides features that can serve customers in the metaverse realm at a low cost. Spatial empowers users to take advantage of beautiful privacy spaces to share engaging content, build close-knit communities, and drive meaningful sales of creative works and products. Keywords: Augmented Reality, Metaverse, Islamic banking, Virtual Branch, Spatial. 
Konversi Perbankan Syariah Dari Konvensional pada Bank Umum Milik Daerah di Indonesia Amrul Muzan; Nazla Fatimah Fatimah Hanani; Riska Riska
ISLAMIC BUSINESS and FINANCE (IBF) Vol 3, No 1 (2022): ISLAMIC BUSINESS and FINANCE (IBF)
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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The conversion of conventional banks to Islamic banks in Indonesia is one of the mechanisms for the structure of Islamic banks. That is a legal change from the conventional banking system to the Islamic banking system. The purpose of this study is to see an overview of the conversion process at the Regional Development Bank. Instant conversion can increase the amount of capital and assets of Islamic banking, but the conversion policy also raises the problem of an ineffective corporate governance mechanism model. The research method is descriptive qualitative, looking at the literature and banking reports that have been converted and are in the process of being converted to Islamic Banking. The results show that had successfully converted, some banks are in the process of converting and partially postponing. This article has implications for regional banks that want to convert to pay attention to banking problems that have been converted to Islamic Banking first.Keywords: conversion, Islamic bank, conventional bank
Analisis Pertukaran Barang-Barang Ribawi Pada Pedagang Pasar (Studi Kasus Pasar Tamiang) Edi Marjan Nasution
ISLAMIC BUSINESS and FINANCE (IBF) Vol 3, No 1 (2022): ISLAMIC BUSINESS and FINANCE (IBF)
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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This research was conducted at Tamiang Market, Kotanopan District with a focus on the exchange of usury goods by local market participants. This study uses a qualitative descriptive nature, namely research directed at providing symptoms, facts, or events in a systematic and accurate manner regarding the characteristics of a particular population or area. This research method also uses field research, namely research that is directly involved in the field/community or a place that is used as the object of research (Tamuang Market) by using qualitative descriptive properties. While the data collection uses interview observations and documentation. The problem in this research is that street vendors and market visitors always exchange ribawi goods (gold for gold and rice for rice) after the big harvest, this exchange is done because traders and market visitors have a brotherly relationship and this is considered normal. The results of the study show that this exchange is carried out because it has become a cost ('urf) because both the merchant and the seller have a family relationship whose transaction is consensual.Keyword: usury ribawi’s, exchange, market
Kontribusi Usaha Sarang Burung Walet Dalam Peningkatan Pendapatan Ekonomi Masyarakat Menurut Perspektif Ekonomi Syariah Mawardi Muhammad Saleh; Wahyu Puji Ambarraras; Indra Hadi
ISLAMIC BUSINESS and FINANCE (IBF) Vol 3, No 1 (2022): ISLAMIC BUSINESS and FINANCE (IBF)
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

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This research is motivated by increasing people's economic income with the establishment of a swallow's nest business; this research will focus on the contribution of the swallow's nest business to growing people's financial income to know the form of the true gift of the swallow's nest business in improving the economy of the people of Sumber Sari Village. Jaya. The population used in this study were all owners of swallow's nest businesses in Sumber Sari Jaya Village, Teluk Belengkong District, Indragiri Hilir Regency, totaling ten people. In comparison, the sample in this study amounted to 9 people using the Purposive Sampling method. The research method used is descriptive qualitative using primary and secondary data sources. In contrast, the primary data sources are obtained directly from the owner of the swallow's nest business. In contrast, the secondary data sources are taken from documents or institutional literacy related to the research conducted. The results of the study that have been carried out show that the swallow's nest business has a reasonably high contribution to increasing people's economic income; this is evidenced by the 55.5% increase in the owner of the swallow's nest business from 2013 to 2019, harvest yields have also increased. every harvest. Keywords: Contribution, Effort, Improvement, Economy
Penyelesian Pembiayaan Bermasalah pada Bank Syariah Madona Khairunisa; Musrifah Musrifah
ISLAMIC BUSINESS and FINANCE (IBF) 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.v1i1.9368

Abstract

Metode penelitian ini adalah penelitian perpustakaan, Untuk mencapai tujuan tersebut Penulis memakai metodologi penelitian bersifat kualitatif. Sumber data diperoleh langsung melalui literatur yang berkaitan dengan objek penelitian. Setelah data terkumpul dengan lengkap baru dianalisa secara deskriptif dengan metode analisis deduktif dimana data-data umum yang telah dikumpulkan ditarik kesimpulan secara khusus. Setelah dilakukan penelitian maka didapatkan kesimpulan bahwa Pola penyelesaian pembiayaan bermasalah pada Bank syariah dapat dilakukan dengan cara:1.Restrukturisasi. Restrukturisasi pembiayaan adalah salah satu upaya yang dilakukan Bank dalam kegiatan usaha penyaluran pembiayaan agar Nasabah dapat memenuhi kewajibannya kepada Bank. restrukturisasi yang dapat dilakukan adalah Penjadwalan kembali (rescheduling), Persyaratan kembali (reconditioning), Penataan kembali (restructuring), Penjadwalan kembali (rescheduling) 2. Penyelesaian melalui jaminan Penyelesaian melalui jaminan dapat dilakukan dengan cara non litigasi dan litigasi. 3.Collection Agent, dilakukan dengan menggunakan jasa pihak ketiga seperti agen/kantor hukum atau pengacara dan 4. Hapus Buku (write off) tindakan administrasi untuk menghapus buku Nasabah yang memiliki kolektibilitas macet dari neraca sebesar total tunggakan Nasabah tanpa menghapus hak tagih kepada Nasabah.
Mengelola Tambang Emas di Daerah Kabupaten Mandailing Natal Menurut Islam Edi Marjan Nasution
ISLAMIC BUSINESS and FINANCE (IBF) 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.
Potensi dan Strategi Pengembangan Wakaf Uang di Indonesia Haniah Lubis
ISLAMIC BUSINESS and FINANCE (IBF) 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. 

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