Perbanas Journal of Islamic Economics and Business
Aims The objectives of this journal are as follows: To provide a bridge between theory and practice of Islamic Economics and Business To disseminate the results and findings of research and best practice To assist and inform those responsible for the management of Islamic Economics and Business To guide the formulation, development, implementation and evaluation of Islamic Economics and Business To develop the research agenda in Islamic Economics and Business, by identifying critical research issues, and promoting research within those areas. Perbanas Journal of Islamic Economics and Business is pluralistic, publishing papers that are conceptual, quantitative-empirical, or qualitative-empirical. Scope Perbanas Journal of Islamic Economics and Business is devoted to research in all branches of Islamic Economics and Business. Specifically, the journal will deal with topics, including but not limited to: Islamic Economics Islamic Banking and Finance Islamic Business Islamic Philanthropy
Articles
29 Documents
<![CDATA[PERBANDINGAN KINERJA KEUANGAN BANK UMUM KONVENSIONAL DAN BANK UMUM SYARIAH PERIODE 2015 – 2019 ]]>
<![CDATA[Sthepanie Rizky Rianti *]]>;
<![CDATA[Puji Hadiyati]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 1 No 1 (2021): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v1i1.3
<![CDATA[The purpose of this research to analyze the comparison of the financial performance of Islamic Commercial Banks and Conventional Commercial Banks for the period 2015 - 2019. The population in this study took from conventional commercial banks and Islamic commercial banks. The samples use in this research are thirteen conventional commercial banks and four Islamic commercial banks period 2015-2019. The sampling period is 5 years with the period 2015 to 2019. The variables used are financial ratios which include Capital Adequacy Ratio (CAR), Non Performing Loans (NPL), Return on Assets (ROA), Operating Expense Ratio (OER), and Loan to Deposit Ratio (LDR). The data analysis technique in this study used descriptive statistical analysis, normality test and two-difference test analysis (Independent Sample t-test). The test results show that the CAR, ROA, BOPO, and LDR/FDR variables have a significant difference between Conventional Commercial Banks and Islamic Commercial Banks, while for the NPL/NPF variables there is no significant difference between Conventional Commercial Banks and Islamic Commercial Banks.]]>
<![CDATA[Comparative Analysis of Sharia Stock Performance Before and During Covid-19 Pandemic in Indonesia ]]>
<![CDATA[Ahmad Rasyid Al Faruk]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 2 No 1 (2022): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v2i1.44
<![CDATA[The study analyzes the performance of sharia stocks before the Covid-19 pandemic and during the Covid-19 pandemic in Indonesia. The performance is measured using stock return and financial ratios. The financial ratios using in this study are return on equity (ROE), earnings per share (EPS), price to earnings ratio (PER), and price to book value (PBV). The data used in this study are collecting from the yahoo finance website and financial reports during the third quarter of 2019 and the third quarter of 2020. The type of research uses quantitative research. The sample uses 30 sharia stocks indexed in the Jakarta Islamic Index (JII) as of September 2020. The Wilcoxon signed-rank test use to testing the hypothesizes. The results show significant differences in stock return, ROE, EPS, and PBV between before the pandemic and during the Covid-19 pandemic in Indonesia. Meanwhile, in PER, there is no significant difference between the two comparison periods.]]>
<![CDATA[COMPARATIVE STUDY OF LAW: WARALABA DALAM PERSPEKTIF PERJANJIAN ]]>
<![CDATA[Andi Fariana*]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 1 No 1 (2021): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v1i1.4
<![CDATA[Franchising is a form of business activity that is quite growing and in demand. The legal fundamentals of franchising are formed in agreements and in Government Regulation Number 42 of 2007, sufficiently regulated that there must be consideration for making a franchise agreement, but to find out what the form of the agreement is, the peculiarities and strengths of the validity of both conventional franchises and sharia franchises, an investigation and studies performed so that it is found that the aspects of the agreement regulated in Government Regulation Number 42 of 2007 as well as those regulated in the Civil Code (KUHPerdata) are the guidelines and legal umbrella for the franchise agreement made. According to the Civil Code, Agreement Law is open in nature and the agreement made will become law for the parties involved as long as it is made on the basis of an agreement. Thus, a franchise agreement made on the basis of Islamic Law (whether in the form of a syirkah / cooperation agreement or an ijarah / lease agreement with certain rewards) does not contradict with the principles of the agreement contained in the Civil Code and which are regulated in Government Regulation No. 42 of 2007. The most important thing is that the parties agree and the agreement made is not an agreement on the object of the franchise that is contrary to sharia.]]>
<![CDATA[Pengaruh Jumlah Uang Beredar dan Bagi Hasil Terhadap Dana Pihak Ketiga Bank Umum Syariah di Indonesia ]]>
<![CDATA[Fadli Setiawan]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 2 No 1 (2022): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v2i1.21
<![CDATA[Penelitian ini bertujuan unutuk mengetahui bagimana pengaruh dari jumlah uang beredar dan tingkat bagi hasil terhadap dana pihak ketiga bank umum syariah di Indonesia. Populasi dalam penelitian ini adalah bank umum syariah di Indonesia. Sampel dari penelitian ini berjumlah 12 bank umum syariah. Periode pengambilan sampel dari tahun 2019-2020. Variabel dependen yang digunakan dalam penelitian ini adalah dana pihak ketiga dan variabel independen adalah jumlah uang beredar dan tingkat bagi hasil. Penelitian ini bersifat kuatitatif dengan teknik analisis regresi liner berganda meggunakan aplikasi pengolahan data IBM-SPSS Statistik 26. Hasil penelitian menunjukan bahwa secara parsial jumlah uang beredar berpengaruh signifikan terhadap dana pihak ketiga, sedangkan variabel bagi hasil tidak berpengaruh signifikan terhadap dana pihak ketiga. Secara simultan variabel jumlah uang beredar dan bagi hasil berpengaruh signifikan terhadap dana pihak ketiga.]]>
<![CDATA[THE INFLUENCE OF FATWA FOR SHARIA STOCK MARKET MECHANISM ON INDONESIA CAPITAL MARKET PERFORMANCE USING TSR METHODOLOGY ]]>
<![CDATA[Hidayat Sofyan*]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 1 No 1 (2021): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v1i1.5
<![CDATA[This study aims to analyze and assess how fatwa of DSN-MUI affects the performance of the Indonesian capital market represented by the IHSG variable. In this research the VAR/VECM algorithm has been used to form a model to see the impact of the Fatwa DSN-MUI No.80 represented by dummy variable to capital market performance variable Indonesia which in this case is represented by Composite Stock Price Index. In this study also used proxy and interpolation approach. Proxy is to explore theta value and the interpolation is to overcome the void of volume data Sales of FCI. Using TSR method, it can be seen that the effect change from theta, before the screening process with theta after the screening process is to the variable log price (there is increasing of the influence, approximately 3 times) while the influence of the log-vol variable decreases to almost half after theta experienced screening process.]]>
<![CDATA[Konsep Pariwisata Halal Di Indonesia Dalam Perspektif Maqashid Syariah ]]>
<![CDATA[Muhammad Salman Al Farisi]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 2 No 1 (2022): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v2i1.27
<![CDATA[Pariwisata halal beberapa tahun terakhir telah menjadi perbincangan di Indonesia. Sejumlah kalangan masyarakat di Indonesia mengira bahwasannya adanya konsep pariwisata halal yang ada di Indonesia adalah sebuah representasi dari pariwisata islami ialah perihal yang agak aneh. Konsep pariwisata halal atau sebutan lainnya seperti dalam istilah lain tamasya syariah yang saat ini memunculkan sebuah perbincangan, apakah konsep pariwisata halal tersebut mempunyai landasan filsafat yang erat pada ajaran Islam, ataukah hanya sebuah wujud rencana ekonomi guna menerapkan pariwisata yang dapat bersaing serta dapat mengembangkan penerimaan dari para wisatawan muslim asing. Penelitian ini dilaksanakan dengan menggunakan metode penelitian kualitatif berdasarkan studi kepustakaan. Hasil penelitian ini menunjukkan bahwa konsep pariwisata halal di Indonesia telah menjadi konsep yang tepat dan sesuai dalam merepresentasikan pariwisata yang islami. Namun di beberapa sisi masih terdapat adanya ketidaksesusaian dalam tata kelola pariwisata halal di Indonesia yang telah mengabaikan prinsip maqashid syariah. Adanya kebijakan legal yang mengadopsi prinsip dan nilai-nilai dalam maqashid syariah adalah hal yang harus dipertimbangkan oleh pemerintah untuk dapat diimplementasikan dalam pariwisata halal di Indonesia]]>
<![CDATA[FASE PENERAPAN SUMBER DAYA INSANIAH PADA PERUSAHAAN ]]>
<![CDATA[Popy Novita Pasaribu *]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 1 No 1 (2021): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v1i1.6
<![CDATA[Companies that believe in values will be successful in the long run. These core values will give spirit or motivation to everyone in the organization and finally to the community in growing a human-centered monotheistic society 5.0. This article aimed to examine the phases of implementing the Islamic value-based HR Model in companies. The model used was the HR model with Islamic values and the meaning of prayer, as well as a harmonious corporate culture, resulting in the expected HR performance. This study used qualitative research methods with the object of research are two companies that have implemented Islamic values in managing the company. The technique of collecting data was triangulation, namely research instrument, in-depth interviews and secondary data analysis. Data analysis was inductive. The application of the Islamic value-based HR model goes through two phases, namely the "Mecca" phase and the "Medina" phase. Companies in the Mecca phase need to consistently carry out an integrated corporate culture internalization program, namely as values, decision-making patterns and attitudes. Internalization of culture by using Islamic values and the meaning of prayer to influence at the individual level, work units and companies in general can open hearts, minds and wills so that job satisfaction and employee commitment can be achieved. Companies in the Medina phase have shared values that have been entrenched and internalized which have an influence on HR performance. With the company's rapid development, culture as identity; fastener; a source of inspiration, pride and resources; driving force and as a pattern of behavior needs to be maintained and passed on to the next generation.]]>
<![CDATA[Pengaruh Pertumbuhan Ekonomi, Inflasi, dan Nilai Tukar Terhadap Indeks Saham Syariah Indonesia (ISSI) ]]>
<![CDATA[Mhd Primadona]]>;
<![CDATA[Isnaini Harahap]]>;
<![CDATA[Rahmat Daim Harahap]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 2 No 2 (2022): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v2i2.46
<![CDATA[Indeks Saham Syariah Indonesia (ISSI) merupakan indeks pasar modal yang diterbitkan oleh Bapepam-LK sebagai regulator yang berwenang dan bekerjasama dengan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) pada tanggal 12 Mei 2011. Pergerakan Indeks Saham Syariah Indonesia dipengaruh oleh faktor mikro dan makro ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan ekonomi, inflasi dan nilai tukar terhadap Indeks Saham Syariah Indonesia (ISSI). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder dari laporan tahunan variabel- variabel terkait. Sampel penelitian diambil dari akhir periode 2015 sampai 2019, dengan total sampel sebanyak 49. Dalam penelitian ini, sampel dipilih dengan menggunakan sampel jenuh dan datanya dianalisis menggunakan program Eviews 10 dengan model regresi linier berganda. Hasil penelitian menunjukkan bahwa Pertumbuhan Ekonomi berpengaruh secara positif dan signifikan terhadap Indeks Saham Syariah Indonesia, Inflasi tidak berpengaruh terhadap Indeks Saham Syariah Indonesia dan nilai tukar tidak berpengaruh terhadap Indeks Saham Syariah Indonesia. secara simultan ketiga variabel independen berpengaruh secara positif dan signifikan terhadap Indeks Saham Syariah Indonesia dengan nilai probabilitas Fhitung > Ftabel 62.42204 > 2.812. Seluruh variabel pada penelitian ini memiliki koefisien determinasi Adjusted R-Square sebesar 0.793341.]]>
<![CDATA[Apakah Kredit Perbankan Berpengaruh pada Performa Bank Syariah di Indonesia? ]]>
<![CDATA[Mochamad Dandy Hadi Saputra]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 2 No 2 (2022): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v2i2.53
<![CDATA[Sistem perbankan syariah memiliki perbedaan dengan sistem perbankan konvensional yang berlaku di Indonesia dan di dunia secara umum. Perbedaan sistem ini disebabkan oleh perbankan syariah yang menerapkan syariat islam sebagai dasar penyelenggaraan perbankan, salah satunya dalam hal penyaluran pinjaman/kredit. Dalam penelitian ini akan dikaji mengenai bagaimana pengaruh dari kredit yang dilakukan oleh perbankan umum pada performa dari perbankan syariah dalam jangka panjang beserta bagaimana proporsi pengaruh dan pengaruh guncangan pada varaibel penelitian di waktu ayng akan datang. Penelitian ini menggunakan analisis vector error correction model dengan variabel berupa return on asset sebagai indikator performa dan non-performing loan serta proporsi kredit perbankan sebagai indicator kredit perbankan umum. Hasil dari penelitian ini menunjukkan bahwa indicator NPL dan alokasi kredit berpengaruh negative dalam jangka panjang. Selain itu, variabel kredit perbankan umum juga memiliki proporsi pengaruh yang berbeda dalam analisis prediksi melalui impulse responses dan variance decomposition. Penelitian selanjutnya disarankan untuk menguji bagaimana perbandingan pengaruh yang diberikan oleh risiko kredit pada perbankan konvensional dan perbankan syariah.]]>
<![CDATA[Analisis Ketertarikan Wakaf Generasi Muda dengan Teknologi Acceptance Model ]]>
<![CDATA[Putri Ramadhanty Ningtias]]>;
<![CDATA[Prameswara Samofa Nadya]]>
<![CDATA[ Perbanas Journal of Islamic Economics and Business Vol 2 No 2 (2022): Perbanas Journal of Islamic Economics and Business ]]>
Publisher : <![CDATA[Perbanas Institute ]]>
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DOI: 10.56174/pjieb.v2i2.55
<![CDATA[Based on CAF World Giving Index 2021, Indonesia is the most generous country in the world, with the highest donor index. Supported by a high number of Moslems, there is a high potential for growth of Islamic philanthropy. Waqf as a form of Islamic philanthropy is currently still underdeveloped. One of the contributing factors is the lack of socialization. The purpose of this study was to analyze the interests of generations Y and Z both as a donator of berkahwakaf.id site with a technology acceptance model (TAM) approach. This research design uses associative research with a quantitative approach using data of 100 respondents as sample, analyzed with PLS method. The results showed that perceived benefits had a significant positive effect on interest, while user convenience had a significant negative effect on interest. Attitude has a significant positive effect on interest, usefulness has a positive effect on attitudes, while user convenience has a significant negative effect.]]>
