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Syari'ah Economics
Published by Institut Agama Islam Darussalam Ciamis
ISSN : -     EISSN : 28078942     DOI : https://doi.org/10.36667/se
Core Subject : Economy,
Economics, Econometrics & Finance
Syariah Economics (e-ISSN 2807-8942) is a scientific journal published by the Faculty of Islamic Economics and Business, Institut Agama Islam Darussalam (IAID) Ciamis, West Java, INDONESIA. Journal of Syariah Economics is an online journal to disseminate field research and conceptual ideas in the field of Sharia economics (Islamic economics, Islamic public finance, Islamic finance, Islamic accounting, Islamic business ethics, Islamic banking, Islamic insurance, Islamic human resource management, Islamic microfinance, Islamic capital market, other relevant Islamic economic and financial studies)
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol 4 No 1 (2020): Islamic Economic Studies" : 5 Documents clear
IMPLICATIONS FOR FINANCING RESULTS ON MUDHARABAH FINANCING VOLUME IN BANK MANDIRI SYARI’AH Ani Lusiani; Sumarni Sumarni
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (432.186 KB) | DOI: 10.36667/se.v4i1.195

Abstract

This research is motivated by the decrease of mudharabah financing volume from 2013-2015, while the share of financing increased except in 2014 at Bank Syariah Mandiri. From the observation while the researchers there is a negative relationship, whereas some previous research mentions that there is a positive relationship between the volume of financing mudharabah with profit sharing. It is very interesting writer to know more in relation volume of financing mudharabah with profit sharing at Bank Syariah Mandiri year 2012-2015. The method used is correlational descriptive method. The data used are monthly financial report of mudharabah financing and profit sharing of Bank Syari'ah Mandiri in 2012-2015. Data collection techniques used are document studies with data collection instruments browsing. Data analysis used descriptive statistic with Spearman Rank correlation technique, because the data of distributed research is not normal. The descriptive statistics of mudharabah financing volume data and the share of financing at Bank Syariah Mandiri from January 2012 to December 2015 have increased and decreased. Spearman Rank correlation calculation results for the relationship of mudharabah financing volume with the financing sharing at Bank Syariah Mandiri in 2012-2015 is equal to -0.259 with a significance level of 0.046 at the level of 5% confidence. The conclusion is the volume of mudharabah financing with profit sharing in Bank Syariah Mandiri in 2012-2015 has a weak correlation with a negative direction of -0.259 or -25.9%.
CUSTOMER SATISFACTION TO QUALITY SERVICES IN LKMS BMT DARUSSALAM CIAMIS 2019 Diyah Wikan Rachmatika; Risky Maidan Ilmy
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (364.835 KB) | DOI: 10.36667/se.v4i1.196

Abstract

Service factor is one of the spearheads of companies in selling their products or services. The number of customers is very big influence from how to serve the customer. Even if the company has made a massive promotion or has improved the quality of the product or service offered, but without the support of good service, it will not get the desired results and the right target. The existence of complaints from some customers who mention the lack of friendliness of employees in the system services performed and the absence of a clear division of tasks between customer service and teller when doing service became the main reason in this study was conducted in BMT Darussalam Ciamis. The research method used is descriptive method and verification method with explanatory survey approach. Data collection technique used is non-probability sampling and the technique chosen is purposive sampling. Instrument data collection used in the form of questionnaire (questionnaire) and using likert scale. Data analysis techniques using simple linear regression analysis techniques and using analysis tools in the form of software SPSS (Statistic Product and Service Solution) version 19.0. for windows. The results of 96 respondents showed the quality of service influence on customer satisfaction BMT Darussalam Ciamis. Judging from the value of correlation coefficient (r) of 0.625 and classified in the category of being in the range of the score of 0.41 to 0.70 and if seen from the analysis regresinya stated that the quality of service positively affect the customer satisfaction BMT Darussalam Ciamis, where the quality of service influence by 22% and the rest by 78% influenced by other factors not described in this study.
IMPROVEMENT OF CUSTOMERS INCOME THROUGH MURABAHAH PRODUCT IN LKS AL-USWAH DISTRICT CIAMIS Sumadi Sumadi; Frisky Rais Nurhasan
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (439.658 KB) | DOI: 10.36667/se.v4i1.197

Abstract

This research was conducted to find out the effect of murabahah financing on increasing customer’s income. The study was conducted in one of the fastest-growing syariah financial institutions in LKS Al-Uswah Branch Ciamis. Murabahah financing is one of the productive financing developed at LKS Al-Uswah Branch of Ciamis. The descriptive verivikatif method is used with the correlational research approach (correlational research). This study’s data collection techniques are by questionnaire—the number of samples taken with incidental sampling technique of 30 customers. The data of this research are financial data analyzed with a coefficient of determination and simple linear regression. The paired t-test sample was used to analyze customers’ income before and after financing. The magnitude of murabahah financing effect to increase customer income in this research is 17,3%. In comparison, the rest that is 82,7%, is another factor that can influence the growth of customers’ income besides murabahah financing. Correlation coefficient value included in the category of moderate level of relations that is equal to 0.416, the value of correlation is marked positive (+), meaning the relationship of financing with income increase is unidirectional. So it can be concluded that murabahah financing significantly affects the increase in customer’s income.
COMPARATIVE ANALYSIS OF THE CONCEPT OF TRADITIONAL AND MODERN MUDHARABAH BETWEEN BOOK OF FATH AL-MU’IN AND THE FATWA OF THE NATIONAL SYARI'AH COUNCIL (DSN) OF THE INDONESIAN ULEMA COUNCIL (MUI) Helmi Maulana; Mela Inalia Rahmah
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.62 KB) | DOI: 10.36667/se.v4i1.198

Abstract

The purpose of this study was to compare the concept of mudharabah fatwa of the National Syari'ah Council (DSN) of the Indonesian Ulema Council (MUI), and the Kitab Fath al-Mu’in by Sheikh Zainuddin bin Abdul Aziz al-Malibari. The methodology used is the descriptive qualitative method, which is a research method that is directed to describe the results of research as it is based on a literature study. The study results indicate that (a) the concept outlined in the DSN Fatwa is a legal product (ijma') of Muslim scholars and scholars who are members of the MUI which presents mudharabah rules that Islamic financial institutions must practice. (b) According to the book of Fath al-Mu’in, qiradh is a cooperative transaction in the business world with profits based on an agreement in the contract illustrated with interpersonal coverage, the actors do not describe the collaborative activities carried out between groups. (c) In principle, the concept of Qirâd in the book of Fath al-Mu’in and the concept of Mudharabah in the Fatwa of DSN MUI is the same. The difference lies in the actor or party making the contract. They will create a concept that will be different from the understanding, provisions, terms and pillars, profit provisions, dispute resolution, and the legal side.
THE EFFECT OF THE BI RATE STANDARD ON THE BRI SHARIA MARGIN POLICY 2015-2019 Isti Tresna Aristantia; Suci Sulastri
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (400.708 KB) | DOI: 10.36667/se.v4i1.199

Abstract

This research is motivated by the absence of provisions governing the determination of financing margins, making Islamic banks in Indonesia, namely Bank Rakyat Indonesia Syariah, still use the BI Rate as one of the references in determining margins in financing. The decline in financial conditions can be seen from the net income margin in 2014, which only reached 6.04%. The method used is a descriptive correlational method. The data used is the average BI Rate per year and the 2015-2019 BRI Syariah Annual Report. Data collection techniques used document studies and literature studies with browsing data collection instruments. Data analysis used descriptive statistics, regression, correlation, partial test, and determination. The results of the research data description of the BI Rate and the financing margin income of Bank Rakyat Indonesia Syariah in 2015-2019 experienced an increase and decrease. The results of the analysis of the influence of the BI Rate on financing margin income at Bank Rakyat Indonesia Syariah in 2015-2019 obtained the regression equation: Financing Margin Income = 10.45376 + (-0.568777 x BI Rate) + e. The correlation coefficient value is -0.79 or 79%. The accepted hypothesis is Ho, which means that there is no significant positive effect between the BI Rate on financing margin income at Bank Rakyat Indonesia Syariah 2015-2019. The conclusion is that the BI Rate does not significantly affect financing margin income at Bank Rakyat Indonesia Syariah 2015-2019.

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