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Islamic Business and Finance (IBF)
Published by Universitas Islam Negeri Sultan Syarif Kasim Riau
ISSN : 27221350     EISSN : 27221342     DOI : 10.24014
Core Subject : Economy,
Economics, Econometrics & Finance
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
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 39 Documents
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Penerapan Teknologi Metaverse pada Bank Syari’ah Slamet Riyadi
ISLAMIC BUSINESS and FINANCE Vol 3, No 1 (2022): 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.v3i1.16720

Abstract

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 Vol 3, No 1 (2022): 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.v3i1.17392

Abstract

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 Vol 3, No 1 (2022): 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.v3i1.17303

Abstract

This research was conducted at Tamiang Market, Kotanopan District, focusing 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 systematically and accurately regarding the characteristics of a particular population or area. This method also uses qualitative descriptive properties to use qualitative descriptive properties to research directly involved in the field/community or a place that is used as the object of study (Tamuang Market). At the same time, 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 study results 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. Keywords: 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 Vol 3, No 1 (2022): 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.v3i1.18316

Abstract

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 with the aim of knowing the form of the actual assistance 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
Praktik Sewa Menyewa Sawah Perspektif Ekonomi Islam Diah - Mustika; Ficha - Melina
ISLAMIC BUSINESS and FINANCE Vol 3, No 2 (2022): 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.v3i2.17325

Abstract

AbstractRenting is a form of muamalah that many people do to meet their needs. For rural communities who work as farmers, leasing is done with objects in the form of rice fields. Leasing in practice must be by applicable Islamic rules. The purpose of this study is to find out how the practice of leasing rice fields and the view of Islamic Economics. This type of research is field research. Researchers conducted interviews with 10 informants. Based on the results of research on the practice of leasing rice fields in Kampung Kemuning Muda, it is carried out directly between the tenants of the fields and the owners of the fields, the agreement is made by deliberation and the contract is verbal, the rental agreement transaction is carried out at the beginning of the contract by determining the payment of rent and the rental period. At the same time, there were no witnesses who witnessed the agreement. The practice of leasing rice fields according to an Islamic economic perspective is legal and fulfills the pillars and conditions of ijarah. The owner of the rice field has earned wages from the field that is leased, then the tenant of the field benefits from planting the rice that has been rented. As well as relating to the harvest obtained each season can improve the economy of the community.Keywords: Islamic Economics, Practice, Leasing
Urgensi Pemasaran Usaha Mikro Kecil dan Menengah (UMKM) Dalam Meningkatkan Perekonomian Daerah Berbasis Ekonomi Syariah Arfah Arfah
ISLAMIC BUSINESS and FINANCE Vol 3, No 1 (2022): 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.v3i1.17464

Abstract

Marketing UMKM based on sharia economics aims to improve marketing, strengthen the regional economy, and anticipate the problems of UMKM in the area where there has been a decline in UMKM in the region, especially Indragiri Hulu Regency in the last three years in 2018-2019 and 2020. As a result of the COVID-19 pandemic, it is a particular concern for local governments to bring back UMKM so that the economic crisis is not sustainable and has an impact on unemployment and poverty in the regions; it is necessary to have a new paradigm to restore UMKM with a marketing strategy based on sharia economics. The research method used is descriptive qualitative by using primary data. Data analysis conducted is based on the phenomenon that occurs. The result of the study shows that UMKM marketing in increasing sales uses the 4P marketing mix, namely the product mix (Product), price mix (Price), distribution mix (Place), promotion mix (Promotion), Place, and Service targets. There has not been an official UMKM local entrepreneur and market in Indragiri Hulu Regency with a sharia economic-based marketing system, except Islamic Bank Financial Institutions and Sharia Non-Banking Financial Institutions.Keywords: UMKM Marketing, Regional Economy, Sharia economic
Analisis Laporan Keuangan Untuk Mengukur Kinerja Keuangan (PT. Unilever Indonesia Tbk. Periode 2019-2021) Risalatin Risalatin; Shalza Yashinta Mayseliandra; Sindy Vebri Permatasari
ISLAMIC BUSINESS and FINANCE Vol 3, No 2 (2022): 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.v3i2.17557

Abstract

This study’s purpose is to determine how the financial performance of PT. Unilever. The method used is descriptive qualitative, namely to explain and provide an overview of the conditions or situations that are the object of research. With data analysis techniques, namely using financial ratio analysis consisting of liquidity ratios, solvency ratios, activity ratios, and profitability ratios. This research was conducted at PT. Unilever The results showed that PT. Unilever so far in measuring the level of success of a business is only simple, namely referring to the financial statements that have been presented in each annual period and which should be done after analyzing financial statements using financial ratios, it is known that the level of good performance resulting from the solvency ratio which always increases every year. period, while the level of poor performance resulting from the liquidity ratio has decreased after experiencing an increase in several periods. In the activity ratio analysis, it is known that PT. Unilever can manage receivables with a fast receivables turnover ratio, but the profitability ratio analysis shows that its financial condition is not good because it has not been consistent in generating profits.Keywords: Financial Reports, Financial Performance, Financial Ratios. 
Paradigma Pembangunan Ekonomi Konvensional dan Pembangunan Ekonomi Islam Erni Yusnita Siregar
ISLAMIC BUSINESS and FINANCE Vol 3, No 2 (2022): 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.v3i2.19341

Abstract

This research is entitled the different paradigms of conventional economic development and Islamic economic development. The background of this research is that there are differences between Islamic economics and conventional economics in the field of development both from the aspects of methodology, principles, principles and scope. For this reason, researchers conducted a literature study on the differences in the paradigms of conventional economic development and Islamic economic development. The method used is descriptive analysis method, which is a method that examines the status of human groups, objects, conditions, a system of thought, or a class of events at the present time with the aim of making systematic, factual and accurate descriptions, drawings or drawings of facts, nature, as well as the relationship between the phenomena investigated. So this study resulted in findings that: the paradigm (worldview) that underlies Islamic development economics is different from conventional economics. Islamic development economics is formed based on the Islamic worldview which places the main guide in carrying out life activities (including economic activities both individually and as entities or groups) originating from the Al-Qur'an and Al-Hadith. Conventional development economics has fundamental differences with Islamic development economics. Conventional development economics has not been able to fully meet the needs of Islamic society in terms of knowledge, fulfillment of basic needs, and accommodating the basic motives of economics so that the presence of Islamic economic development is indispensable
Bank Syariah dan Hubungannya Dengan Lembaga Keuangan dan Bisnis Lainnya Di Indonesia Yuliana Yuliana; Nurnasrina Nurnasrina; Heri Sunandar
ISLAMIC BUSINESS and FINANCE Vol 3, No 2 (2022): 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.v3i2.20167

Abstract

 This paper discusses Islamic banking and its relationship with financial institutions and other businesses in Indonesia. Banks and financial institutions have a role as a Financial Intermediaries whose function is to collect funds from the public and channel them back to those who need funds. The main activity of Islamic banks is to provide financing to customers, where these activities are related to other financial institutions. This research is library research (Library Research) with a thematic method. The results of this discussion state that Islamic banks, financial institutions, and other businesses have a close relationship, where they need each other in carrying out their operations.Keywords: Islamic Banks, Financial Institutions, Business
Analisis Kelayakan Usaha Kopra Putih di Kabupaten Indragiri Hilir Menurut Perspektif Ekonomi Syariah Muhammad Ilyas; Syahpawi Syahpawi; Jonnius Jonnius
ISLAMIC BUSINESS and FINANCE Vol 3, No 2 (2022): 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.v3i2.20293

Abstract

This study aims to determine of kopra putih according to perspective of Islamic economics and SWOT analysis of kopra putih. The subject is Farmers in Indragiri Hilir, the object is Analysis of kopra putih business in Indragiri Hilir According to perspective of Islamic Economic. The population sample uses research informants who are selected according to research (accidental sampling). The data techniques are observation, interviews, documentation study. The analysis used is descriptive qualitative. The resource aspect is sufficient, the technical & technological aspects are relatively easy and cheap, the production aspect can produce continuously, the market & marketing aspect has many markets, while the results of BEP Grade A 88 Kg, Grade B 113 Kg and Grade C 807 Kg, the financial aspect of the results of the calculation of NPV Decent Rp. 1,093,785,500> 0, IRR Accepted results of IRR> 12% pa, BC ratio can benefit because the result is 1.16%> 0.85%, PP period 13 years 7 months annual capital return. legal aspects of registered permits, and environmental friendly social & cultural aspects, new job vacancies. As for Strength, districts with the largest land area, Weaknesses in the financial aspect, Opportunities for job and Threats to unregistered permits.

Page 3 of 4 | Total Record : 39

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