As-Syirkah: Islamic Economic & Financial Journal
As-Syirkah: Islamic Economic and Financial Journal is a scientific journal published by Ikatan Dai Indonesia (IKADI) in collaboration with Masyarakat Ekonomi Syariah (MES) and Intellectual Association for Islamic Studies (IAFORIS) . This journal contains scientific papers from academics, researchers and practitioners in economics, Islamic economics, financial, Islamic financial, business, industries, management, and others related issues. ISSN 2962-1585.
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<![CDATA[ The Effect of Customer's Level of Understanding on the Purchase of Sharia Education Insurance Products (Case Study at PT. Asurasi Jiwa Syariah Bumiputera KPS Medan ]]>
<![CDATA[Hervina Dahlianti]]>;
<![CDATA[Imsar Imsar]]>;
<![CDATA[Nurul Jannah]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.43
<![CDATA[Sharia Education Insurance is a type of insurance that provides protection against the needs of children's education costs. This study aims to determine the effect of the level of customer understanding on the purchase of Islamic education insurance products. This study uses primary data generated from respondents' questionnaire data. The population in this study are customers who use Islamic education insurance products, the sample is taken using the sample probability technique with a total of 95 respondents obtained using the slovin formula. The data analysis used in this research is the data instrument test, classical assumption test, simple linear regression analysis, and t test. The results of this study indicate that the variable of customer understanding (independent variable) with the results of tcount 6.134 > ttable 0.202, and a significance value of 0.003 <0.005. So it can be concluded that the customer understanding variable (independent variable) has a positive and significant effect on the purchase of Islamic education insurance products (the dependent variable) with an influence level of 28.8% which is included in the moderate relationship level, this is caused by the existence of factors that affect customers. Keywords: Customer Understanding, and Purchase of Sharia Education Insurance]]>
<![CDATA[Analisis Proses Penyelesaian Klaim terhadap Asuransi Pengiriman Barang Melalui JNE ]]>
<![CDATA[Chairi Nur Azizi Popilaya]]>;
<![CDATA[Kamilah K.]]>;
<![CDATA[Reni Ria Armayani Hasibuan]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.52
<![CDATA[Shipping insurance is a necessity that arises because the transportation of goods and or cargo cannot be separated from the risks that cause losses. This writing aims to explain the terms of the implementation of insurance claims for freight forwarders at the transportation service company PT. JNE, the obstacles that cause the claim process to be not accepted and explain the procedure for claiming insurance for shipping goods. The data in writing this journal were obtained through interviews, documentation and literature study. Based on the results of the research, it is obtained that the requirements for submitting a claim are a claim submission letter, original receipt, receipt and photocopy of ID card. After completing the files that have been determined by JNE, the customer then makes a claim according to the procedures set by JNE, namely the customer comes to the counter where the customer is sending goods, or the nearest representative office. Then the customer must show the delivery receipt and claim request, then the officer will direct the customer to fill out the claim submission form. And lastly, the claim will be processed and disbursement will be made no later than 14 working days after the claim is submitted. Keywords: Insurance, Claims, Delivery of Goods]]>
<![CDATA[Analisis APBD Perspektif Islamic Human Development Index Kota Bogor Tahun 2021 ]]>
<![CDATA[Hizbi Shalahuddin]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.56
<![CDATA[I-HDI stands for Islamic Human Development Index which is used as a measuring tool for human development in an Islamic perspective. In formulating the I-HDI, the guidelines for the objectives of sharia or maqashid sharia are used as an indicator of human needs both materially and spiritually. The purpose of this study is to describe the budget for health, education and economics from the perspective of the Islamic Human Development Index in the Bogor City in 2021 . The research method used is descriptive quantitative. Based on the regional government program of the Bogor City, the results show that the health, education and economic budgets are in line with the objectives of the I-HDI. The highest budget is occupied by the education budget of Rp 492.984.200.958, health budget of Rp. 289.239.714.720 and an economic budget of Rp. 82.369.922.609. Then for the results of the I-HDI calculation, each index gets an average value for five years. The ad Dien index is 0,778 the an Nafs index is 0.828, the al 'aql index is 0,642 the Nasl index is 2.815 and the al Maal index is 4.29. From these results, there are several aspects in the execution of the program that have not been carried out optimally. So that it has an impact on the lack of I-HDI numbers on the al aql index and the Nafs index.e Keywords: The Local Budget (APBD), Islamic Human Development Index, Human Development Index]]>
<![CDATA[Pengelolaan Anggaran dan Perangkat Daerah Sekretariat DPRD Kota Padang Sidempuan ]]>
<![CDATA[Nadya Haryanti]]>;
<![CDATA[Susi Apriliani]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.57
<![CDATA[This study aims to determine the Effectiveness of Financial Management in the Secretariat Office of the Padang Sidimpuan District Representative Office which is carried out by the Administration and Secretariat Section of the Financial Management Subdivision regarding Financial Management Effectiveness which includes Budget Planning, Budget Implementation, Budget Reporting and Budgeting. This research uses the method of Financial Management. qualitative. The research informants consisted of the Secretary of the Regional House of Representatives, the Head of Administration and Secretariat, the Head of Sub-Planning and Finance, the Spending Treasurer, and the Planning and Finance Section Staff with a total of 5 informants, the data source consisted of primary and secondary data obtained from collection techniques. data by observing, interviewing, and documenting. The results of the study show that the effectiveness of financial management at the Secretariat of the Regional Representative Council of Padang Sidimpuan Regency is quite good and systematic. improvement of facilities and infrastructure so that tasks can be achieved. Keywords: analysis, effectiveness, management, finance, budget]]>
<![CDATA[Analisis Kinerja Keuangan pada Perusahaan PT Kalbe Farma Tbk. Sebelum dan Sesudah Covid-19 ]]>
<![CDATA[Sigit Priyanto]]>;
<![CDATA[Dedi Suselo]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.58
<![CDATA[This study aims to analyze the comparison of the company's financial performance at PT. Kalbe Tbk. before and after Covid-19. Financial performance is calculated using financial ratios which include quick ratio, return on assets, debt to equity ratio, and total assets turn over. The population and sample in this study are the financial statements of the company PT. Kalbe Farma Tbk for the period 2016-2020 which is listed on the IDX. The data analysis method used is the Independent Sample T-test which was previously tested for normality. The results of data analysis show that from the four ratios tested there are no significant differences, so it can be concluded that there is no difference in financial performance at PT. Kalbe Farma Tbk. before and after Covid-19. Keywords: financial performance, liquidity, solvency, profitability, activity]]>
<![CDATA[Analisis Hukum Islam terhadap Jual Beli Online ]]>
<![CDATA[Abu Dzar Al Ghifari]]>;
<![CDATA[Yenni Samri Juliati Nst]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.86
<![CDATA[One of the mu'amalah phenomena in the economic field is buying and selling transactions that use electronic media, technological developments have spurred changes in individual habits including one of them in terms of buying and selling transactions. If in the past what was meant by buying and selling transactions had to be carried out face to face where there was a direct transfer of goods from the seller to the buyer, that is the buyer had to meet the seller in the real market. Judging from the type of research, there is also the type of research used in this research, namely bibliography research or library research, which is research that is carried out by collecting information or making objective records that mean the object of research or collecting information that has the character of a bibliography, or analysis carried out to unravel a problem which is basically based on critical and in-depth analysis of relevant literature materials. This research results that in online sales it fulfills the pillars of the contract in accordance with the rules of fiqh. As is well known, there are four pillars of contract, namely: (a); there are contracting parties; (b) consent and acceptance; (c) the object of the contract; (d) the main purpose of the contract is carried out. Keywords: Hadith, Online Buying and Selling, Islamic Perspective]]>
<![CDATA[Analisis Pengaruh Kompensasi, Beban Kerja terhadap Turnover Intention ]]>
<![CDATA[Anisa Dwi Murti]]>;
<![CDATA[Hafivah Sheviyani]]>;
<![CDATA[Hany Sekar Desiree]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.92
<![CDATA[This study aims to analyze how compensation and workload affect turnover intention. The purpose of this research is that compensation and workload have an effect on employee performance and the effect of satisfaction on turnover intention in one of the companies in the Cikarang area, Bekasi Regency. The best human resource management, human resource management that runs all implementation systems that are directly related to human resources. The company requires employees to be prosperous to create equal benefits for both parties. And the analytical method used is the quantitative method, with the type of survey and data collection through questionnaires. This analysis is used to test the validity, reliability and multiple linear regression. The sample used was 32 people for the research sample. Keywords: Compensation, Workload, and Turnover Intention]]>
<![CDATA[Urgensi Ekonomi Islam terhadap Fenomena Jual Beli Dalam Perspektif Al-Qur’an dan Hadis ]]>
<![CDATA[Fahreza Akbar Pase]]>;
<![CDATA[Yenni Samri Juliati Nst]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.93
<![CDATA[Buying and selling is also considered to have legal force between the two parties if an agreement has been reached on the price of the goods, even though the money has not been received. Because with an agreement, each party in it has obligations and rights that are mutually binding on one another, that means that a joint decision between the two parties has legal consequences of linking each other to carry out what has been agreed upon. If one of the parties tries to renege on the promise of what has been mutually agreed upon. Judging from the type of research, there is also the type of research used in this research, namely bibliography research or library research, which is research that is carried out by collecting information or making objective records that mean the object of research or collecting information that has the character of a bibliography, or analysis carried out to uncover a problem which is basically based on critical and in-depth analysis of relevant literature materials. This research results that the legal basis of buying and selling is mubah (permissible). However, when certain situations, conditions or circumstances are different, buying and selling can become mandatory and can also be illegal. Buying and selling becomes mandatory when there is an ihtikaf practice (hoarding of goods so that the stock disappears from the market and prices soar). Keywords: Islamic Economics, Buying and Selling, Islamic Perspective]]>
<![CDATA[Analisis Sistem Pengelolaan Dana Jaminan dan Pembayaran Klaim pada BPJS Ketenagakerjaan Cabang Medan Kota Dalam Perspektif Manajemen Keuangan Syariah ]]>
<![CDATA[Annsa Putri]]>;
<![CDATA[Fauzi Arif Lubis]]>;
<![CDATA[Reni Ria Armayani Hasibuhan]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.98
<![CDATA[This study aims to find out and analyze the system of financial management and payment of claims at iBPJS iKetenagakerjaan iMedan iKota branch in accordance with the principles of Islamic financial management. This research uses idescriptive qualitative research methods, i.e. research that is verbally stated as an irresistible respondent. There are two sources of data from this research, i.e. primary data sources and secondary data sources. The results of this study indicate that regarding the management of iBPJS iKetenagakerjaan iMedan iKota branches, if viewed from the perspective of Islamic financial management, it is not yet in accordance with overall. In the view of Islamic financial management, this system of financial management must have three criteria, namely avoidance of igharar, immaysir and iriba. The principle of igharar idi iBPJS iKetenagakerjaan iMedan iKota ibranch does not exist because iBPJS is an iPublic iLaw Agency which is directly assigned by the state to provide isocial security protection iemployment to iIndonesian workers who have the principle of iplease help. The principle of immaysir if seen from the ownership of funds cannot be found because the contributions of the participants will become social funds which will be invested by the financial manager of the central office. If the participant stops being a participant, the contribution will not be forfeited and the claimant can claim it in accordance with the existing requirements. iRiba iPrinciples iBPJS iEmployment is still attached because participants' contributions are still being invested in non-sharia investment instruments. According to the Islamic review, the procedure for submitting claims can be accepted in Islam because the practices or actions that can bring benefits to many people are justified in Islam. Keywords: BPJS Employment Fund Management, Claims, Sharia Financial Management]]>
<![CDATA[Analisis Sharia Compliance Pada Produk Kafalah Pembiayaan Surety Bond di PT.Penjaminan Jamkrindo Syariah Kantor Cabang Medan ]]>
<![CDATA[Vega Liana]]>;
<![CDATA[Muhammad Arif]]>;
<![CDATA[Nurul Jannah]]>
<![CDATA[ As-Syirkah: Islamic Economic & Financial Journal Vol 2 No 2 (2023): As-Syirkah: Islamic Economic & Financial Journal ]]>
Publisher : <![CDATA[Ikatan Da'i Indonesia (IKADI) ]]>
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DOI: 10.56672/syirkah.v2i2.103
<![CDATA[This research is the result of a qualitative descriptive study that aims to answer questions regarding the mechanism for the issuance of Kafalah products for Surety Bond Financing and Sharia Compliance for Kafalah Surety Bond Financing products at PT Penjaminan Jamkrindo Syariah Medan Branch Office. This research is a type of field research. Data collection was carried out through direct interviews with Surety Bond staff and other operational divisions at PT. Medan Sharia Jamkrindo Guarantee. Supported by the study of documents related to research, such as statutory regulations, DSN-MUI Fatwas, and Kafalah surety bond certificates and official websites. Then the results collected were analyzed in the form of a qualitative descriptive analysis method. The results of the research obtained are the first, regarding the mechanism of the process of issuing Kafalah products for Surety Bond Financing from three parties, namely the Project Owner (Obligee) then continued by the Contractor (Principal), namely the party that gives the achievement and finally we submit it to the Guarantee (Suretyship) /Surety Company) to process Company guarantees to be given or claimed to the principal and submitted to the obligee. secondly, namely in carrying out the guarantee business activities of PT. The Jamkrindo Syariah Guarantee uses the Kafalah contract as determined by the National Sharia Council, namely DSN-MUI FATWA No.11/DSN-MUI/IV/2000 concerning Kafalah, including its application in Kafalah Surety Bond Financing products. However, there are still a number of things that need to be emphasized again, one of the pillars and conditions of Makful Anhu, namely being known by the guarantor and being able to hand over his dependents to the guarantor. So here a Surety bond is a guarantee issued by an insurance company to help the obligee due to the failure of the principal to carry out the project (default). So surety bonds are an alternative form issued by loss insurance companies (Guarantee) and PT. The Jamkrindo Syariah guarantee is expected to be able to maintain adherence to Sharia Compliance, which is currently well fulfilled. Keywords: Kafalah Surety Bond Products Sharia Compliance, Kafalah Surety Bond Product Mechanisms]]>
