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AT-TIJARAH: Journal Islamic Banking and Finance Research
Published by Institut Agama Islam Negeri Lhokseumawe
ISSN : 27215482     EISSN : 27455696     DOI : https://doi.org/10.52490/attijarah.
Core Subject : Economy,
Economics, Econometrics & Finance
This journal publishes research results conceptually and technically related to the scope of Islamic Economics with a concentration in the field of Islamic Banking and Finance.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 24 Documents
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PENGARUH LAPORAN KEUANGAN TERHADAP PENGAMBILAN KEPUTUSAN BERINVESTASI DI GALERI INVESTASI SYARIAH FEBI IAIN PALANGKA RAYA M. Ihsan Nur Rasid; Muhammad Riza Hafizi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i1.430

Abstract

Financial statements are one of the indicators that can provide an overview of the circumstances or conditions of an issuer through financial ratios, namely profitability, solvency, and value to investors in making an investment decision. In addition, financial knowledge is also one of the indicators that can influence investors in making investment decisions. The purpose of the study was to find out how much influence the issuer's financial statements have on investment decision making in the Sharia Investment Gallery FEBI IAIN Palangka Raya. The study uses a quantitative approach with expost facto types of research. The method of data collection in this study uses questionnaires and documentation. The sample in this study amounted to 83 people who were registered as customers at the Sharia Investment Gallery FEBI IAIN Palangka Raya from 2018-2020. Sampling in this study used proportional claster random sampling with solvin formula and a tolerance value of 10%. The data analysis technique used is regression analysis with the help of SPSS Statistics 26. Regression analysis results showed that the significance value of 0.000 < 0.05 and the known t value of This numera 5.103 > 1,990. Overall it can be concluded that Ho was rejected and Ha was accepted, namely ada significant influence between the issuer's financial statements on investment decision making in the Sharia Investment Gallery FEBI IAIN Palangka Raya.  Based on the value of the coefficient of determination (R Square) obtained by 0.243 which contains the understanding of the effect of free variables (independent/financial statements) on bound variables (dependents/investing decision making) is 24.3%, and the remaining 75.7% is influenced by other factors that are not contained in the researcher's research.
STRATEGI FUNDRAISING ZAKAT PADA LAZ NURUL FIKRI KALIMANTAN TENGAH Zulkifli; Arif Mubarok; Faris Rafi Asshiddik Ravieq
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i1.431

Abstract

The peak of the increase in the collection of social funds by LAZ Nurul Fikri, Central Kalimantan, was when the forest fire disaster and caused smog that hit various areas in Central Kalimantan in 2016. LAZ Nurul Fikri is widely known both in Central Kalimantan itself and from outside the Central Kalimantan region. Since the outbreak of the pandemic, LAZ Nurul Fikri has experienced a decline in associations, but LAZ Nurul Fikri can still survive until now by making various changes to the zakat management strategy, especially the fundraising strategy. This study aims to determine the fundraising strategy of zakat funds implemented by LAZ Nurul Fikri Central Kalimantan. The research method used is qualitative-descriptive research, then the data is processed by triangulation method. The results of this study indicate that the LAZ Nurul Fikri strategy in Central Kalimantan is oriented to muzakki segmentation, and the collection system has undergone a change from direct fundraising, starting to shift to indirect fundraising since the pandemic. There are nine main fundraising strategies for LAZ Nurul Fikri, namely customer segment, value propositions, channels, revenue streams, customer relationships, key resources, key activities, key partnerships, cost structure.
DIGITISATION’S IMPACT ON ISLAMIC FINANCIAL INSTITUTIONS: WEBSITE-BASED FINANCING SYSTEM SERVICES Fourika Dela Putriana; Budi Sukardi; Fuad Dhiya Ul Husaen
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.478

Abstract

This study will examine the effect of efficiency, reliability, privacy, fulfilment, responsiveness, and compliance on members' interest in applying for website-based financing products at BMT Amanah Ummah (AUM) Sukoharjo Central Java, Indonesia. This research is quantitative; the data come from a questionnaire distributed to all sharia financing customers at BMT AUM, and the data is analysed using multiple regression statistical techniques. The study's results prove that efficiency positively and significantly affects members' interest in submitting website-based online financing products at the BMT AUM. Reliability, privacy, and fulfilment do not affect members' interest in applying for a website-based online financing product at BMT AUM. Responsiveness has a positive but insignificant effect on members' interest in applying for website-based online financing products at BMT AUM. Compliance positively and significantly affects members' interest in applying for website-based online financing products at BMT AUM.
DETERMINANT ANALYSIS OF LABOR ABSORPTION IN NORTH SUMATRA Reni Ria Armayani; Anriza Witi Nasution; Nurmala; Sugianto; Iskandar Muda
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 1 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i1.507

Abstract

As for the ways and efforts to increase the number of workers at work, there may be several influencing factors including: UMP, GRDP, Investment, Inflation and Exports. The research was conducted to examine the number of workers absorbed in North Sumatra for the 2011-2020 period so that it can be studied. This type of data uses secondary data from BPS, Sakernas (National Labor Force Survey), and the Ministry of Manpower. The method was studied using a quantitative associative approach with multiple linear regression models assisted by the E-views 9.0 computer program. The results of data processing stated that the UMP, Investment and Export had a positive effect. GRDP and Inflation have a negative effect. positive and negative signs on each variable explain that a positive sign if there is an increase in each independent variable has an impact on the increase in the dependent variable and vice versa. Variables that are not significant are UMP, Investment, and Inflation. Meanwhile, the significant variables are GRDP and Exports.
THE EFFECT OF MICRO FINANCING ON BUSINESS DEVELOPMENT AFTER GETTING FINANCING : (CASE STUDY ON MICRO CUSTOMERS PT BANK SYARIAH INDONEIA KCP KLENDER) Nurul Subhi; Fajri Ryan Isnandar
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 5 No. 1 (2023): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v5i1.593

Abstract

The development of the potential UMKM in indonesia cannot be separated from the support of bank in the distribution of financing to UMKM actors. The role of islamic banking in developing community business, especially UMKM, is to participate in providing financing to the community to the development their business. The purpose of this study is to determine the effect of microfinance on the business development of PT Bank Syariah Indonesia KCP Klender customers and to determine the difference in customer sales turnover before and after receiving financing. The research methodology used is a quantitative approach. The results of the research conducted indicate that microfinance has a significant effect on the development of the costumer’s business. Microfinance has a significant effect on the business development of customers PT Bank Syariah Indonesia KCP Klender, seen from the results of data processing the value of the coefficient of determination R= 0.919 and R²= 0.844. This means that 84% of the micro financing variables of PT Bank Syariah Indonesia KCP Klender effect business development, and the remaining 16% is influenced by other variables or factors.  
PRINCIPLES OF IMPLEMENTATION OF FINANCIAL LITERACY AT BMT ALMABRUK BATUSANGKAR BASED ON SE OJK NUMBER 30/SEOJK.07/2017 Elmiliyani Wahyuni S; Ginta Dwi Lestari
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.669

Abstract

The purpose of this study is to find out the principles of implementing financial literacy in BMT based on SEOJK Number 30/SEOJK.07/2017. This type of research is a field research with a qualitative approach. The results showed that the principle of implementing financial literacy carried out by BMT Almabruk Batusangkar was based on SEOJK regulations Number 30/SEOJK.07/2017, namely planned and measurable, optimizing existing resources, and sustainable, not yet collaborating with stakeholders. The strategy for implementing the financial literacy function or unit at BMT Almabruk is through direct socialization to customers and prospective customers, as well as, through indirect socialization, namely through print and electronic media. Meanwhile, the obstacles and challenges faced are human resources who are not yet competent in their fields, as well as the lack of product innovation and limited technological facilities.
ISLAMIC LAW PERSPECTIVE ON THE ROLE OF PAWNLOYERS IN THE DISTRIBUTION OF FUNDS TO MICRO-SMALL BUSINESS ENTERPRISES Syaeful Bakhri; Aan Jaelani; Miyah Listiani
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.865

Abstract

Difficult access to sources of capital is still a major problem in business development for Micro and Small Enterprises (UMK). This has attracted the attention of various parties, including the government. Different support and efforts of the government and the private sector in developing MSEs have been carried out, ranging from coaching to financing. One of the government's efforts is to establish a sharia pawnloyers as a non-bank financial institution that functions as a distributor of sharia-based funds. The purpose of this study was to determine the perspective of Islamic law on the procedures for distributing funds to MSEs in sharia pawnloyers. The research method used is descriptive qualitative, which is considered suitable to provide perspectives from various data sources. The results of the analysis explain that the procedure for distributing funds at Islamic pawnloyers is easy to do, and the process is fast so that it can ease the burden on customers. However, some obstacles are still encountered in the distribution process. According to the perspective of Islamic law, sharia pawnloyers are following sharia principles in channeling funds to MSEs.
PERANAN ZAKAT, INFAK, SEDEKAH DALAM PENGEMBANGAN USAHA KECIL PADA OPERASIONAL BAITUL MAAL WAT TAMWIL Fawza Rahmat
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.921

Abstract

The Role of Zakat, Infak, and Sadaqah in the Development of Small Businesses in Baitul Maal Wat Tamwil (BMT) Operations. The rise of small businesses that support the community's economy is central to poverty alleviation. What plays a role when small businesses are the main issue of community-based economic solutions related to the Islamic religion through baitul mal wat tamwil. The method used to build this research is a literature review by collecting several reliable sources. As well as combining with various phenomena that occur in society. The phenomenon in society is that Baitul Maal Wat Tamwil is an economic institution that promotes saving activities and provides financing to small entrepreneurs. In addition, BMT is also equipped with Baitul Maal activities which are more social in nature. The joining of these two activities is very much needed in empowering the poor. In its operations, BMT implements the sharia system. Meanwhile, in theory Baitul Maal Wat Tamwil, which is abbreviated as BMT, is a supporting institution to improve the quality of small business entrepreneurs based on the sharia system. BMT can and should be used as a business partner for various small entrepreneurs in developing their business, because the partnership pattern is a practical form of a congregational way of carrying out all muamalah matters.
KONSEP MANUSIA DALAM EKONOMI ISLAM (HOMO ECONOMICUS VERSUS HOMO ISLAMICUS) Suhandi; M. Yasir Nasution; Sugianto
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.1196

Abstract

In everyday life people tend to equate needs with wants. Sometimes people mention something as a need that must be met immediately, even though something is a wish that could have been postponed. A lifestyle that is oriented towards economic needs alone is not justified in Islam because this attitude is the same as placing economic activity as the goal of life. On the other hand, reducing the desire to maximize life activities in the economic sector is also not justified because it lowers the degree and prestige of Muslims among other people. For this reason, this research will try to unravel how the human concept is in Islamic economics. In solving the existing problems, researchers used descriptive qualitative research methods with secondary data sources. The results of this study state that fulfilling human needs in Islam does not only meet worldly needs such as eating, drinking, clothing, housing, and transportation vehicles, but humans must also meet spiritual needs or spiritual needs so that humans become human beings who have good morals, are useful, and beneficial to fellow human beings both in this world and in the hereafter.
BISNIS ALA RASULULLAH DALAM PERSPEKTIF PEMASARAN Yusron Ali Sya'bana; M. Yasir Nasution; Sugianto
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 4 No. 2 (2022): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v4i2.1198

Abstract

Marketing activities are actually very noble activities because these activities always bring up ideas and creativity to approach, innovate, change and update in many ways. However, when these activities experience disorientation and tend to pursue instant profits, then sometimes these noble and ethical marketing activities turn into stupidity, fraud and rottenness. This phenomenon is what we often see in the world of business and enterprise. We should be able to position the marketing function with ethical and moral values (akhlaqul karimah) so that there are no more deviations that undermine the values and blessings of marketing itself. The concept of prophethood (Nubuwwah) is very relevant as a reference in overcoming current business problems, namely by using a sharia marketing strategy that is carried out by paying attention to consumer needs, good product quality, always available when needed (available) and according to consumer expectations (expectations), promotions are carried out directly and continuously (sustainable), and innovate according to consumer needs.

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