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DIRHAM Jurnal Ekonomi Islam
Published by Institut Bisnis Muhammadiyah Bekasi
ISSN : 27770907     EISSN : 27981142     DOI : https://doi.org/10.53990
Core Subject : Economy,
Economics, Econometrics & Finance
Berisi tentang hasil penelitian dan kegiatan pengabdian kepada masyarakat di bidang pengembangan ekonomi syariah, dari sisi penerapan di UMKM, industri berskala besar, perbankan dan non-profit, yang dikaitkan dengan hukum ekonomi dan perdagangan sesuai syariah Islam.
Arjuna Subject : Bisnis, Menejemen, dan Akutansi (semua kategori) - Bisnis, Menejemen, dan Akutansi (Lain-Lain)
Articles 30 Documents
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ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI NASABAH NONMUSLIM MEMILIH BANK SYARIAH DAN IMPLIKASINYA TERHADAP STRATEGI PEMASARAN (Studi Kasus Pada PT Bank Syariah Mandiri) Puti Khairani Rijadi; Saiful Anwar
DIRHAM Jurnal Ekonomi Islam Vol 1, No 2 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (297.428 KB) | DOI: 10.53990/djei.v1i2.76

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang mempengaruhi nasabah non Muslim memilih Bank Syariah Mandiri, serta implikasinya terhadap strategi pemasaran. Metode yang dipakai dalam penelitian ini dengan menggunakan kuesioner dari Google Survey untuk analisis faktor. Setelah itu data diolah dengan menggunakan SPSS 22, dan untuk strategi pemasaran Bank Syariah Mandiri menggunakan Analisis SWOT. Berdasarkan hasil penelitian diperoleh faktor-faktor yang mempengaruhi nasabah non Muslim memilih Bank Syariah Mandiri, yaitu: 1) faktor syariah, 2) faktor promosi, 3) faktor lokasi, 4) faktor produk, 5) faktor harga, 6) faktor SDM, 7) faktor proses, dan 8) faktor fisik. Adapun faktor yang paling dominan adalah faktor syariah, yaitu adanya larangan atas bunga karena termasuk riba dan tidak adil. Strategi yang harus diterapkan adalah menggunakan kekuatan untuk memanfaatkan peluang jangka panjang dengan cara strategi diversifikasi (produk atau pasar).
PENGARUH PEMBIAYAAN MURABAHAH DAN PEMBIAYAAN IJARAH MULTIJASA T ERHADAP PROFITABILITAS BPRS PATRIOT BEKASI MUFID HABIB MUSTOFA; GIVI EFGIVIA; NUR RAHMI ALFATH
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (400.932 KB) | DOI: 10.53990/djei.v1i1.39

Abstract

BPRS (Bank Pembiayaan Rakyat Syariah Patriot Bekasi is financial institution thatdistribute and collect the fund. Bank Pembiayaan Rakyat Syariah Patriot Bekasiprefers to provide in micro, small and medium enterprises. The purpose of this study is to analyze the effect of financial in Bank Pembiayaan Rakyat Syariah Patriot Bekasi, Murabahah, Ijarah multijasa, on profitability of the Bank Pembiayaan Rakyat Syariah Patriot Bekasi. This research uses quantitative methods with secondary data. The data collection techniques used are literature study and documentation secondary data retrieved from monthly reports of statistical perbankan syariah which can be accessed through the official website of OJK and BI. The result of research using secondary data noted there if F-3,3550 smaller and ijarah multijasa have no effect on profitability PT Bank Pembiayaan Rakyat Syariah Patriot Bekasi, with R2of 50,40% and the remaining 49,6% is affected by other products.Keywords :Murabahah, Ijarah Multijasa, Profitabilitas, Bank Pembiayaan RakyatSyariah Patriot Bekasi
ANALISIS PENERAPAN ETIKA BISNIS ISLAM DALAM MEKANISME PENGAJUAN PRODUK PEMBIAYAAN GRIYA RUMAH BARU DI BANK SYARIAH MANDIRI KANTOR AREA THAMRIN – JAKARTA PUSAT PUTI KHAIRANI RIJADI; WILDAN AFIFAH HAKIH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.852 KB) | DOI: 10.53990/djei.v2i1.102

Abstract

Researchers see some people still do not understand about the mechanism in applying home financing products in sharia banks. This research aims to provide information about the process of applying for sharia-based housing financing, but also wants to know whether the process has implemented Islamic Business Ethics and the foundation of law and sharia. Islamic Business ethics theory refers to the instrument or regulation of three principles of regulation of the Financial Services Authority No. 4/POJK. 05/2018. About secondary housing Financing Company Article 8 paragraph (3) namely the principle of justice (' ADL), balance (Tawazun), Benefits (Maslahah), and Universalism (Alamiyah), does not contain things forbidden, such as Riba, Maisir, Gharar, Zalim, Risywah, Maksiat, Haram object, and carried out by using AKAD in accordance with the fatwa of the National Sharia Council of Ulama Indonesia (DSN MUI). The collection of research data is done by observation methods, interviews, and documentation. Analysis is done with a qualitative descriptive approach, using source triangulation.
PENGARUH PEMBIAYAAN MUSYARAKAH DAN MURABAHAH TERHADAP TINGKAT PROFITABILITAS PADA PT. BANK BUKOPIN SYARIAH PERIODE 2008 – 2017 GIVI EFGIVIA; MUFID HABIB MUSTOFA; RESTINI SAWIDIA
DIRHAM Jurnal Ekonomi Islam Vol 1, No 2 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (232.361 KB) | DOI: 10.53990/djei.v1i2.71

Abstract

This thesis aiming is to determinate in how much influence Musyarakah and Murabahah agreement in Islamic bank financing against the profitability of Islamic bank. This thesis used PT Bank Bukopin Syariah Tbk profitability period 2008-2017. Data from the financial statement is taken from the publication of the report issue from the website of the bank and Indonesian financial official website (OJK). Mechanical of data management is using multiple linear and data description, while proving the hypothesis parsial
SOSIALISASI BAITUL MAAL WA TAMWIL TERHADAP USAHA KECIL MENENGAH DAN PELAJAR SEKOLAH (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu) PUTI KHAIRANI RIJADI
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (338.12 KB) | DOI: 10.53990/djei.v2i2.122

Abstract

Baitul Maal wat Tamwil (BMT) is a microfinance institution that operates based on profit sharing. Conceptually, BMT has two functions: to develop a productive business, and also to invest in improving the economic quality and small entrepreneurs. This study aims to determine the financial management of the KSPPS PCM Rawalumbu. The method used qualitative data analysis based on the results of questionnaires. The results of this study indicate that the KSPPS PCM Rawalumbu, which was just born on November 25th, 2020, currently, has 70 (seventy) members, consisting of cooperative members and ordinary members. However, the financial support of this KSPPS still needs support from the Head of Muhammadiyah Rawalumbu (Pimpinan Cabang Muhammadiyah/PCM Rawalumbu) because it was just recently established. Financing lending still for consumptive needs (such as laptops, motorbikes, etc). However, it has met the adequacy of business needs, and the profit-sharing has also been in accordance with the existing agreement.
PENGARUH ZAKAT DAN CORPORATE SOCIAL RESPONSIBILITY TERHADAP INCOME BANK UMUM SYARIAH DI INDONESIA PERIODE 2013-2018 DAMRI BATUBARA
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (202.566 KB) | DOI: 10.53990/djei.v2i1.97

Abstract

In theory, the increase in bank financial income should automatically increase its zakat. This is because income is no longer a measure of company performance, but instead zakat is a measure of the company's financial performance. However, the reality that occurs in the financial data of Islamic Commercial Banks in Indonesia for 2013-2018 does not always increase the bank's income, automatically its zakat also increases. Likewise with the theory of Corporate Social Responsibility (CSR), when the income of a bank company increases automatically, Corporate Social Responsibility (CSR) should also increase. However, in fact, in the financial data of Islamic Commercial Banks in Indonesia for 2013-2018, the increased bank income had no effect on the increase in their corporate social responsibility. This research is a quantitative research, the data source comes from secondary data in the form of time series and cross-section data from 2013-2018. The data analysis technique used panel data regression estimation method, with t test and f test. Which is analyzed using Eviews 9 Software. The results show that partially incame banking does not have a significant effect on zakat of Islamic Commercial Banks in Indonesia, partially corporate social responsibility has a significant effect on zakat of Islamic Commercial Banks in Indonesia. Meanwhile, simultaneously income banking and corporate social responsibility have a significant effect on zakat of Islamic Commercial Banks in Indonesia with a R2 value of 0.2092 or 20.92 percent, which means that 79.08 percent is influenced by other variables not discussed in this study.
PENGARUH PEMBIAYAAN MUSYARAKAH dan MURABAHAH TERHADAP PENDAPATAN PADA BPRS (BANK PEMBIAYAAN RAKYAT SYARIAH PATRIOT) BEKASI M. GIVI ELGIVIA; MUFID HABIB MUSTOFA; HARUN HARUN
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (454.549 KB) | DOI: 10.53990/djei.v1i1.40

Abstract

The study aims to measure and find out how big an influence of musyarakah financing and murabahah financing to the revenue at BPRS (Bank Pembiayaan Pembiayaan Rakyat Syariah) Patriot Bekasi the year 2006-2015. This study uses multiple regression techniques which first learned of the requirement is made to know in order to be eligible. Variables t-hitung value of obtained musyarakah 1.942 with ttabel registration 2.36 so because the value –thitung - ttable is 1.942-236 so that H1 is accepted which means that partially musyarakah influence variables significantly to revenue. To the second hypothesis, namely that the values obtained murabahah variable thitung of 0.313 with ttable of 2.36 so because the value thitung ttable is 0.313 2.36 so Hois accepted which means that partially variable murabahah is not influential significant;y to revenue. From result of research using secondary data noted that there is significant influence F=8.273 more than Rtable=4.26 so that in the research of the influence F=8723 more than Rtable 4.26 so that in the research of the influence of musyarakah and murabahah positively impact revenue Bank Pembiayaan Rakyat Syariah Patriot Bekasi , with R2 of 40% and the remaining 60% is affected by other product.
ANALISIS MOTIVASI KERJA DAN KINERJA KARYAWAN DI KLINIK PUSAT BEKAM DAN RUQYAH PEDURENAN MUHAMMAD NUR ISHAK
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (201.187 KB) | DOI: 10.53990/djei.v2i2.118

Abstract

Work motivation and employee performance have an important role in the running of the company, in this case, the Cupping Center Clinic and Ruqyah, as well as to meet the service standards that have been determined and to be able to survive in the competition amid the rampant business of similar types lately. In this study, the authors wanted to analyze the work motivation and performance of employees at the Center of Cupping and Ruqyah Pedurenan clinics using qualitative methods by interviewing several employees and heads of clinic branches of the Center for Cupping and Ruqiyah Pedurenan. And with this research, the authors conclude that employees of the Central Cupping Center Clinic and Ruqyah Pedurenan employees are less satisfied with the salary received, and the work motivation and performance of employees decrease, even though employees still have the motivation to survive because of several factors including life necessities, but more It is important to want to create a better work environment because with work motivation and good performance hope to be able to improve work careers and also change in income.
ANALISIS SEJARAH PERKEMBANGAN BANK SYARIAH DAN IMPLIKASINYA TERHADAP KESEJAHTERAAN MASYARAKAT (STUDI KASUS DI BANK PEMBIAYAAN RAKYAT SYARIAH PATRIOT) ANTO APRIYANTO; ARIE BUDIYANTO
DIRHAM Jurnal Ekonomi Islam Vol 1, No 2 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (192.184 KB) | DOI: 10.53990/djei.v1i2.72

Abstract

It’s aimed at addressing and knowing how closely the city’s relationship to Bekasi is as the struggle of Islam ists with the development of the finance society of shari, and it also relates the patriots Bank Pembiayaan Rakyat Syariah as the local shite financial institution that is capable of creating the Bank Pembiayaan Rakyat Syariah Patriot from since it was established and its implications irritated by the people of Bekasi, the study focused mode and more on the problems related to the Islam ics development history analysis of Bekasi and its implications for the public ‘s welfare (case study in Bank Pembiayaan Rakyat Syariah Patriot Bekasi) A mini research process uses qualitative research by extracting primary data sources through media interviews and direct surveys of data respondents or objective and secondary data, by reading books that can support discussions. And research for the city of Bekasi in the struggle of the muslims is the Islam ic warrior city it is not strange that the establishment of Bank Pembiayaan Rakyat Syariah is a reflection of the love of the financial institutions of Bekasi, so that the clove people can reduce the existing Bank Pembiayaan Rakyat Syariah of the patriot as the economy in the from of the growth in the economy in the from of the city and Bank Pembiayaan Rakyat Syaraih of the Patriot Bank Pembiayaan Rakyat Syariah has contributed to the growth of demurrity with various designed programs, weather by capitulation of mifid, and other such as mustofa the development of the economics growth of the Bekasi
PENGARUH BOPO, CAR, NIM, FDR, NPF Net, ROA TERHADAP ROE PADA PT BANK RAKYAT INDONESIA SYARIAH TBK. HUSNI MUBAROK
DIRHAM Jurnal Ekonomi Islam Vol 2, No 1 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (361.944 KB) | DOI: 10.53990/djei.v2i1.98

Abstract

The author summarizes the problem formulation which aims to understand the statistical results of the effect of BOPO, CAR, NIM, FDR Net, NPF, ROA on the Profitability at PT BRI Syariah 2009-2020. This research uses a descriptive style by making quantitative case studies. The partial test results that have been carried out based on the Linear Regression Analyze model of the ROA component of Standardized Coefficients Beta shows the most influential component is 0,809 which is able to explain 80,9% very strong interest rates, TCount 4,693 TTable 2,17881 significance value 0,005 0,050 The hypothesis is accepted that the residuals are normally distributed to Profitability and the simultaneous test results that have been launched based on the Summary of Linear Regression Analysis Model together with the independent variable indicator of 0,996 are able to explain 99,6% of the very strong relationship between the dependent variables, FCount 116,023 FTable 4,95 Significance value 0,000 0,050 The accepted hypothesis is that the residuals are normally distributed to Profitability.

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