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Al-Muzdahir: Jurnal Ekonomi Syariah
Published by Institut Pesantren Sunan Drajat Lamongan
ISSN : 26555492     EISSN : 28286278     DOI : 10.55352
Core Subject : Economy,
Economics, Econometrics & Finance
berisi naskah ilmiah yang diterbitkan oleh Program Studi Ekonomi Syariah Fakultas Ekonomi dan Bisnis Islam Institut Pesantren Sunan Drajat Lamongan Jawa Timur
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. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah" : 5 Documents clear
Perbandingan Kinerja Keuangan Perbankan Syariah dan Perbankan Konvensional Periode 2016-2020 Menggunakan Metode RGEC (Studi pada Bank BRI dan BRI Syariah) Muhammad Jefri; Sutopo; Abdullah Zawawi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (241.763 KB) | DOI: 10.55352/ekis.v1i1.374

Abstract

Banks have a very important role in assisting human daily activities in carrying out economic activities. Banks cannot be separated from the life of modern society today because every economic activity is carried out through banks. There are generally 2 banks in Indonesia, namely Conventional Banks and Islamic Banks. Of the two banks, of course, have their own advantages and disadvantages. Therefore, it is necessary to make a comparison between their financial performance so that customers choose the best bank for them. . This study aims to examine and prove empirically about the comparison offinancial performance between PT. BRI Syariah Bank and PT. Bank BRI during the 2016-2019 The data used is secondary data in the form of financial reports from companies obtained from financial statements published by Bank Indonesia through the www.bi.go.id website, the OJK website and from the official websites of each bank. Data analysis was performed using financial ratio analysis consisting of CAR, NPL, ROA, ROE, BOPO, LDR. The analytical technique used to compare the financial performance of Bank Syariah Mandiri with Bank Muamalat Indonesia is the Independent sample t-test method. The results of the independent sample t-test statistical test showed that there was no significant difference between the CAR ratio of BRI Syariah Bank and BRI Bank. Meanwhile, the NPL, BOPO, ROA, ROE and LDR ratios of BRI Syariah Banks are significantly different from those of BRI Banks.
Preferensi Santri Putra pada Bmt Sunan Drajat Paciran di Pondok Pesantren Sunan Drajat Lamongan Fatkhur Rouf; Musbikhin; Ahmad Afan Zaini
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (226.7 KB) | DOI: 10.55352/ekis.v1i1.375

Abstract

BMT Sunan Drajat Paciran is one of the BMT that was established on 07 November 2018. BMT Sunan Drajat is a Sharia based microfinance institution where the main target is the Paciran community and Sunan Drajat Lamongan Students. And the purpose of establishing BMT Sunan Drajat Paciran is to help the community in increasing their opinion, and also to save the community from the snares of moneylenders. In addition, BMT Sunan Drajat Paciran also has another purpose, namely to accomodate, serve students in financial matters such as lending and borrowing, saving, and others. This study aims to answer, describe, and analyze the formulation of the problem, namely how the preferences of male student at BMT Sunan Drajat. The research is quantitative research. By using the Chi Square test analysis method and the research instrunent used to collect data is by using interviews, questionnaires, and documentation. The results of this study are 1) in the knowledge variable there is a calculated Chi Square value is equal to 10, 967. Because the value of Chi Square < 13,362, it can be concluded that H0 is accepted and Ha is rejected. Thus it can be interpreted that male students do not have a good preference for BMT Sunan Drajat. 2) in the professionalisme variable there is a calculated Chi Square value of 14,225. In the access variable there is a calculated Chi Square value of 18,909. In the facility variable, the calculated Chi Square value is 14,474. Becauseall Chi Square Values > 13,362, it can be concluded that H0 is rejected and Ha is accepted. Thus it can be interpreted that male students have a good preference for BMT Sunan Drajat.
Analisa Laporan Keuangan sebagai Alat untuk Menilai Kinerja pada KSU “Kencana Makmur” Cabang Laren Firman Nur Aprilianto; Biyati Ahwarumi; Anisatul Mahmudah
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (794.506 KB) | DOI: 10.55352/ekis.v1i1.376

Abstract

KSU Kencana Makmur Laren Branch needs to analyze financial statements in order to know the company's financial picture from period to period. Qualitative research. The research formulation consists of: 1) How is the financial reporting system at KSU "Kencana Makmur" Laren Branch?, and 2) How is the use of financial statements to analyze financial ratios in measuring the level of Liquidity, Solvency, and Profitability at KSU "Kencana Makmur" Branch Laren?. The method used in this research is descriptive analysis research method, with data collection procedures, interviews, and documentation. From this research, the results obtained are that: 1) The financial reporting system of KSU Kencana Makmur Laren Branch follows the application of the sharia cooperative version of the banking system data base, where every data transaction is recorded in the existing data application. 2) The financial performance of KSU Kencana Makmur Laren Branch in 2012 to 2014 increased and decreased as follows: Liquidity: (a). Current Ratio is 2.46% (in 2012), 2.29% (in 2013), and 2.59% (2014). (b). The Quick Ratio was 2.4% (in 2012), 2.3% (in 2013) and 2.5% (in 2014). Solvency: (a). The Total Debt to Total Asset Ratio was 0.5% (in 2012), 0.6% (in 2013) and 0.6% (in 2014). Profitability: (a). Net Profit Margin, by 0.2%% (in 2012), by 0.6% (in 2013) and by 0.4% (in 2014). (b). Return on Equity Capital was 0.1% (in 2012), 0.2% (in 2013) and 0.2% (in 2014). It can be concluded that the financial condition of KSU Kencana Makmur Laren Branch in 2012 to 2012 was not in a good condition, especially the level of profit.
Penanganan Pembiayaan Muarabahah yang Bermasalah di Kopersi Jasa Keuangan Syariah Mandiri Sejahtera Cabang Campurejo Panceng Gresik Agus Setiawan; Miftahul Amin; Nashihin
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (228.815 KB) | DOI: 10.55352/ekis.v1i1.377

Abstract

KJKS- Mandiri Sejahtera Campurejo Branch is a sharia-based cooperative engaged in financial services in Panceng District, Gresik Regency. One of them is murabaha financing. This cooperative in distributing murabahah financing has internal and external obstacles, including: factors from the management of KJKS- Mandiri Sejahtera Campurejo Branch itself as well as factors from customers. Based on the above background, the authors conducted a study entitled Handling Problems with Murabahah Financing at the Mandiri Sejahtera Syariah Financial Services Cooperative, Campurejo Panceng Gresik Branch. The research that the writer did was included in the descriptive qualitative research. And in collecting data, the author uses the method of observation, interviews or interviews and documentation. As for the analysis, the author uses the SMART analysis technique. The handling of problematic murabahah financing at KJKS- Mandiri Sejahtera Campurejo Branch has used procedures in accordance with existing theories, namely: Given invoices, rescheduling, confiscation of guarantees and execution of guarantees. The factors causing the occurrence of problematic murabahah financing at KJKS-Mandiri Sejahtera Campurejo Branch are: Internal factors caused by officers and the system. While external factors are caused by customers or conditions. Handling problematic murabahah financing at KJKS- Mandiri Sejahtera Campurejo Branch, although there are procedures that are in accordance with theory, the manager prefers to pray and discuss the reasons for: 1. According to the manager praying is the first step so that God opens the door of the customer's heart, 2. Discussions aimed at influencing beliefs that can change their behavior and also do not pose the risk of physical or mental clashes
Pengaruh Kepemimpinan Terhadap Pola Kerja Pesantren (Studi Kasus di Bidang Perekonomian Pondok Pesantren Sunan Drajat Lamongan) Yayuk Fauziyatun Nisa; Siswadi
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2019): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.408 KB) | DOI: 10.55352/ekis.v1i1.378

Abstract

The leader is one of the essences of management, the main resource and the central point of every activity that occurs in a company. How the creativity and dynamics of a leader in carrying out his leadership authority will greatly determine whether the company's goals can be achieved or not. Leaders who are dynamic and creative, the organization they lead will also be more dynamic and the activities that will be carried out will be more and more. The problems in this study are, 1. How is the leadership style of the head of the economic field of the Islamic boarding school Sunan Drajat Lamongan, 2. Is there any influence of leadership on the economic performance of the employees of the Islamic boarding school Sunan Drajat Lamongan. As for in this study the authors used quantitative data. Research starts from theories or hypotheses using a correlational approach. The results of this study are, 1). The leadership style applied by the head of the economic field of the Islamic boarding school Sunan Drajat Lamongan is a situational style. This is evidenced by the results of interviews and research that has been carried out by researchers. 2). The results of the regression test on the leadership style variable on employee performance in the economic field of the Islamic boarding school Sunan Drajat Lamongan obtained the regression equation Y = 21.740 + 0.464 X. And the results of the hypothesis test obtained a t-test result of 3.168 with a significant level of 0.002. The significant value is less than 0.005 (0.002 < 0.005), thus H0 is rejected and H1 is accepted. So it can be said that there is a positive and significant influence between the influence of leadership style on employee performance.

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