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Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
ISSN : 24071935     EISSN : 25021508     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Jurnal Ekonomi Syariah Teori dan Terapan (JESTT) accepts original manuscripts in the field of Islamics Economics, including research reports, case reports, application of theory, critical studies and literature reviews.
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Articles 15 Documents
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Search results for , issue "Vol. 6 No. 6 (2019): Juni-2019" : 15 Documents clear
EFISIENSI OPERASIONAL SEBAGAI STRATEGI UNTUK MENINGKATKAN KINERJA BMT (Studi Kasus: BMT UGT Sidogiri Cabang Lumajang) Qonitah Bakhitah; Muhammad Nafik Hadi Ryandono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1287-1303

Abstract

This research aims to determine the efficiency as one of the strategies in increasing the Financial Performance of Baitul mal wattamwil UGT Sidogiri Lumajang. The method used in this research is a qualitative approach with a case study strategy. The object of this research is Baitul maal wattamwil UGT Sidogiri Lumajang. Data collection is done by interviewing informants from Baitul mal wattamwil UGT Sidogiri Lumajang. The results were conducted from observation and interviews by researchers to 3 informants, showed that the strategies by Baitul mal wattamwil included: controlling operational costs, increase third-party Funds (DPK) savings and time deposits, finance clearly directional, and improve our services and product features fee based income, innovating on the technologies used, targeting every employee, , providing training regarding skills needed by employees, performance appraisal systems, employee rewards and promotions based on their contribution in efforts to improve quality, sustainable productivity.Keywords: Strategic, Efficiency, Finance performance, Baitul mal wattamwil UGT Sidogiri LumajangREFFERENCESAkbar, Rifki Ali. 2010. Analisis Efisiensi Baitul Mal Wa Tamwil dengan Menggunakan Data Envelompent Analysis (DEA). Skripsi Universitas Diponegoro SemarangAli, M. Mahbubi dan Ascarya.2010. Analisis Efisiensi Baitul Maal Wat Tamwil dengan Pendekatan Two Stage Data Envelopment Analysis (Studi Kasus Kantor Cabang BMT MMU dan BMT UGT Sidogiri).TAZKIA Islamic Finance & Business Review Vol. 5 No.2Ascarya dan Diana. 2006. Analisis Efisiensi Perbankan Syariah di Indonesia dengan Data Envelopment Analysis, TAKZIA Islamic Finance and Business Review, Vol. 1, No. 2 Desember 2006Ascarya dan Diana Yumanita. 2008. Comparing The Efficiency of Islamic Banks in Malaysia and Indonesia. Buletin Ekonomi Moneter dan PerbankanAziz, Abdul. 2008. Ekonomi Islam Analisis Mikro dan Makro. Yogyakarta: Graha Ilmu.Bank Indonesia.(Online). (https://www.bi.go.id/id diakses pada tanggal 5 Mei 2019)BMT UGT Sidogiri. (Online). (https://www.bmtugtsidogiri.co.id/berita-.html diakses pada tanggal 10 September 2018)Buchori,Nur S. 2012. Koperasi Syari’ah Teori dan Praktik. Banten: Pustaka Aufa MediaDarsono, dkk. 2017. Memberdayakan Keuangan Mikro Syariah Indonesia Peluang Dan Tantangan Ke Depan. Jakarta: TAZKIA PUBLISHING David, Fred R. 2006. Manajmen Strategis: Konsep, Edisi 10 Buku 1. Jakarta: Penerbit Salemba Empat.David, R. Fred. 2004. Konsep Manajemen Strategis Edisi VII. Jakarta: PT. Indeks.David, R. Fred. 2011. Manajemen Strategis: Konsep. Jakarta: Salemba Empat.Departemen Agama RI. Al-Quran & Tafsirnya. Edisi yang disempurnakan. Jilid V. Jakarta: 2008.Evan, Ardhi.201. Efisiensi Baitul Mal wa tamwil (bmt) anggota Induk Koperasi syariah Dengan Metode data Envelopment Analysis (DEA).SkripsiGinting, Isma Ilmi Hayati dan Ilyda Sudardjat.Analisis Strategi Pengembangan Bmt (Baitul Maal Wat Tamwil) Di Kota Medan. Jurnal Ekonomi dan Keuangan Vol.2 No.11Gobel, Meryanti.2013.Analisis Efisiensi Biaya Operasional Melalui Pengelolaan Tunjangan Makan Dan Jaminan Pemeliharaan Kesehatan Pada Perusahaan Jasa Outsourcing. Jurnal EMBA Vol.1 No.4, Hal. 1868-1878Huda, Nurul dan Heykal Mohammad.2015. Lembaga Keuangan Islam Tinjauan Teoritis Dan Praktis. Jakarta: Kencana.Hunger, J. David dan Thomas L. Wheelen. 2003. Manajemen Stratregis Edisi II. Jakarta: Gramedia Pustaka Utama.Jauch, R.L. & Glueck, F.W.2004. Strategic Managementand Business Policy. New York: McGraw-Hill.Kasmir.2008. Bank dan Lembaga Keuangan Lainnya.Jakarta: PT Raja Grafindo PersadaKasmir.2012.Manajemen Perbankan. Jakarta: PT Grafindo Persada.Kementerian Agama Republik Indonesia. (Online). (https://jatim.kemenag.go.id diakses pada 25 Maret 2019).Moleong, Lexy J. 2001. Metodologi Penelitian Kualitatif. Bandung: Remaja Rosdakarya.Obsessionnews. (Online). (www.obsessionnews.com diakses pada tanggal 10 Oktober 2018)Peraturan Menteri Negara Koperasi Dan Usaha Kecil Dan Menengah Republik Indonesia Nomor : 35.3/Per/M.KUKM/X/2007Praya, Lintang Gigih Abi.2017.Analisis Kinerja Keuangan Koperasi Simpan Pinjam Dan Pembiayaan Syariah Bmt Dana Insani Wonosari Tahun 2013-2015.Jurnal Pendidikan dan Ekonomi, Volume 6, Nomor 6, Tahun 2017Rahmawati, Rafika.2015. Strategi Peningkatan Efisiensi Biaya Pada Bank Umum Syariah Berbasis Stochastic Frontier Approach Dan Data Envelopment Analysis. Buletin Ekonomi Moneter dan Perbankan, Volume 17, Nomor 4. Bogor : Pascasarjana Institut Pertanian BogorRidwan, Muhammad. 2005. Manajemen Baitul Maal Wat Tamwil (BMT). Yogyakarta: UII Press.Republik Indonesia. (2012). Undang-Undang Republik Indonesia Nomor: 17 Tahun 2012 Tentang Perkoperasian. Jakarta: Sekretariat Negara Republik Indonesia.Sudarsono, Heri.2007. Bank dan Lembaga Keungan Syariah. Yogyakarta: EkonisiaSoemitra, Andri. 2009. Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana.Shihab, M. Quraish. 2002. Tafsir Al-Mishbah: Pesan, Kesan dan Keserasian Al-Qur’an. Vol. 7. Jakarta: Lentera Hati.Ummah, Rohmatul.2010. Pengaruh Efisiensi Operasional Dengan Kinerja Kinerja keuangan Pada Sector Perbankan Syariah(Studi Kasus Bank Syariah Mandiri, Tbk).Skripsis UIN Syarif Hidayatullah JakartaWawancaraYin, R. K.1996. Studi kasus: Desain dan Metode. Jakarta: PT. Raja Grafindo._______.2015. Studi kasus: Desain dan Metode. Jakarta: PT. Raja Grafindo.Yuliani. 2007. “Hubungan Efisiensi Operasional dengan Kinerja Profitabilitas Pada Sektor Perbankan yang Go Publik di Bursa Efek Jakarta”. Jurnal Manajemen Bisnis Sriwijaya.Vol. 5. No. 10 : 15-43.
Pengelolaan Dan Penyaluran Dana Zakat dalam Program yang Bekerjasama dengan Mitra di Baitul Maal Manfaat Surabaya Yurina Dewi Andaru; Karjadi Mintaroem
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1153-1165

Abstract

This research aimed to find out the way of management and distribution of zakat fund in Manfaat Mitra Mandiri (M3) program existed at Baitul Maal Manfaat Surabaya. The method used was descriptive method with case study. This research also used interview, documentation, and direct observation techniques. The results of the research showed that the management and distribution systems of zakah fund in this program were a co-operation with partners, and then the partners gave the fund to the party of Baitul Maal Manfaat Surabaya to manage. After mustahik has received loan assistance, she must make installment payments on a monthly basis, up to ten months from the time the loan was received. Mustahik would pay the payments and it would be given to the parties of Baitul Maal Manfaat Surabaya, and after that they collected it and gave it back to the partners that were suitable to the Manfaat Mitra Mandiri (M3) program.Keywords:Distribution, Zakah Fund, Baitul Maal, MustahikREFFERENCESAlmath, Muhammad Faiz. 1991. 1100 Hadits Terpilih:Sinar Ajaran Muhammad. Jakarta: Gema Insani. Al-Qur’an dan Terjemahannya Departemen Agama RI. 2001. Semarang: CV. Asy Syifa’. Arifin, Gus. 2016. Keutamaan Zakat, Infak, Sedekah : Dilengkapi dengan Tinauan salam Fikih 4 Mazhab. Jakarta: PT. Elex Media Komputindo. Indonesia Magnificence of Zakat bekerjasama dengan Pusat Ekonomi dan Bisnis Syariah Universitas Indonesia. 2009. Zakat dan Pembangunan : Era Baru Zakat Menuju Kesejahteraan Ummat. Cet. Ke-I. Ciputat: Indonesia Magnificence of Zakat. Kartika, Elsi. 2006. Pedoman Pengelolaan Zakat. Semarang: UNNES Press. Mardani. 2015. Fiqh Ekonomi Syariah Fiqh Muamalah. Cet. Ke-3. Jakarta: Prenadamedia Grup. Mursyidi. 2006. Akuntansi Zakat Kontemporer. Bandung: PT. Remaja Rosdakarya. Nurul Huda, dkk. 2012. Keuangan Publik Islam Pendekatan Teoritis dan Sejarah. Jakarta: Kencana.Qardawi, Yusuf. 2011. Hukum Zakat: Studi Komparatif Mengenai Status dan Filsafat Zakat Berdasarkan Qur’an dan Hadis. Bogor: Pustaka Litera Antar Nusa. Rasyid, H. Sulaiman. 1994. Fiqh Islam. Cet. Ke-27. Bandung: Sinar Baru Algensindo. Sugiyono. 2012. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta. Widodo, H G. Suseno Triyanto. 1997. Indikator Ekonomi Dasar dan Kebijaksanaan Perekonomian Indonesia. Jakarta: Kanisius Media.Yin, Robert K. 2015. Studi Kasus: Desain dan Metode. Depok: Raja Grafindo Persada.
KESESUAIAN AKAD MURABAHAH DENGAN PEMBIAYAAN KEPEMILIKAN RUMAH BANK JATIM UNIT USAHA SYARIAH Riza Arsita Sari; Irham Zaki
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1259-1271

Abstract

The research objectives were to find out the suitability of the murabahah contract on home ownership financing of Bank Jatim sharia business unit. The research objects were the employees of Bank Jatim Sharia who were competent in the field of financing analyst for Griya iB Barokah KPR (public housing loan). This research used descriptive qualitative approach. The data collection was conducted by interviewing five employees of Bank Jatim sharia business unit. The results of this study was, there were four points that were used as references for conducting research, namely prices, guarantees, fines, bad financing of KPR products which in practice were in accordance with DSN-MUI fatwas. Additionally, some did not.Keywords: murabahah contract, sharia KPR, DSN-MUI fatwas, Bank Jatim sharia business unitREFFERENCESAntonio, Muhammad Syaf’i. 2001. Bank Syariah : dari teori ke praktek. Jakarta: Gema Insani.Arifin, Zainul. 2009. Dasar-Dasar Manajemen Bank Syariah. Jakarta: Kelompok Pustaka Alvabet.Ascarya. 2011. Akad dan Produk Bank Syariah. Jakarta: PT. Rajawali Pers.Bungin, Burhan. 2005. Penelitian Kualitatif: Komunikasi, Ekonomi, Kebijakan Publik dan Ilmu Sosial Lainnya. Jakarta. Balai Pustaka.HariHaris, Helmi. 2007. Pembiayaan Kepemilikan Rumah (Sebuah Inovasi Pembiayaan Perbankan Syariah). Jurnal Ekonomi Islam La Riba vol.1 No.1 (online) (http://journal.uii.ac.id) diakses pada 7 Agustus 2015.Ibrahim, Ahmad. 2006. Manajemen Syariah. Jakarta: PT Raja Grafindo Persada.Ismail. 2011. Perbankan Syariah. Jakarta: PT Fajar Interpratama Offset.Karim, Adiwarman. 2007. Bank Islam Analisis Fiqh dan Keuangan. Jakarta: PT Rajawali Pers.Kountur, R. 2004. Manajemen Risiko. Jakarta: Abdi Tandur.Kuncoro, Mundrajad. 2002. Manajemen Perbankan: Teori dan Aplikasi. Yogyakarta: BPFE Yogyakarta.Manullang. 2006. Dasar-Dasar Manajemen. Yogyakarta: Gadjah Mada University Press.Muhammad. 2000. Sistem dan Prosedur Operasional Bank Syariah. Yogyakarta: UII Press.Muhammad. 2004. Manajemen Dana Bank Syariah. Yogyakarta: Ekonisia.Muhammad. 2005. Bank Syariah : Analisis Kekuatan, Peluang, Kelemahan dan Ancaman. Yogyakarta: Ekonisia. 
IDENTIFIKASI PENGELOLAAN WAKAF PRODUKTIF PADA PIMPINAN DAERAH MUHAMMADIYAH LUMAJANG Hilda Gita Mayasari; A. Syifa'ul Qulub
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1129-1136

Abstract

This study aims to describe management of productive endowments managed by the Regional Leadership Muhammadiyah Lumajang where in this case a nazhir appointed by the United Muhammadiyah to manage the productive endowments. This research uses descriptive qualitative approach by using case study strategy. Analytical techniques based on theoretical prepositions follow theoretical prepositions that guide case studies. Data validity technique using triangulation technique, that is test the credibility of data that have been obtained by correcting through some technique, like interview, observation, and documentations. The results show that Muhammadiyah Regional Leaders have managed their assets or productively in order to achieve the benefit of Moeslims in Lumajang District. Endowments management conducted by PDM Lumajang is divided into four business charities, namely religion, education, health, social and economic. In the management of productive endowments PDM Lumajang can do several things, namely to perform management functions in the implementation of productive endowments and create jobs for local communities.Keywords: Productive Endowments, Muhammadiyah, Economic IndependenceREFFERENCESAl Bujairomi, Sulaikman bin Muhammad. 2015. Bujairomi ,,alaa al khatib. Offline. Maktabah Syamilah. Al Hasani, Muhammad Ar Rouf Qosimiy. 2007. At Tathwiir At Takhrijiy wa At Tasyri’i li An Nidzomi Al-Waqfi: Numudzujil Iqtishodi At Tazommuniy. Jordan: Chasier du CREAD.Bamualim, Chaider S dan Irfan Abubakar, 2005. Revitalisasi Filantropi Islam, Studi Kasus Lembaga Zakat dan Wakaf di Indonesia. Pusat Bahasa dan Budaya UIN Syarif Hidayatullah.Bungin, M. B. 2007. Penelitian Kualitatif. Jakarta: KencanaDjunaidi, Achmad. 2006. Menuju Era Wakaf Produktif. Jakarta: Mitra Abadi Press.Hafidhuddin, Didin. 2007. Agar Harta Berkah dan Bertambah: Gerakan Membudayakan Zakat, Infak, Sedekah, dan Wakaf. Jakarta: Gema Insani Press.Hasan, Sudirman. 2011. Wakaf Uang: Perspektif Fikih, Hukum Positif, dan Manajemen. Malang: UIN Maliki Press (Anggota IKAPI).Hashmi, Sherafat Ali. 1987. Management of Waqf: Past and Present, dalam Proceeding of The Seminar: Management and Development of Awqaf Properties. Jeddah: Islamic Research and Training Institute, Islamic Development Bank.Lubis, Suhrawardi K dkk. 2010. Wakaf dan Pemberdayaan Umat. Jakarta: Sinar Grafika.Kotler, Philip dan Gary Amstrong. 2007. Dasar-Dasar Pemasaran Edisi Kesembilan Jilid I. Jakarta: PT. Indeks. M. Manullang. Dasar-Dasar Manajemen. Yogyakarta: Universitas Gadjah Mada.Mizan, Fitra. 2008. Efektivitas Tabungan Wakaf Indonesia dalam Penghimpunan dan Pendayagunaan Wakaf. Skripsi Tidak Diterbitkan. Jakarta UIN.Muhammad Abid Abdullah Al-Kabisi. 2004. Hukum Wakaf. Jakarta: IIMAN.Muljawan, Dadang, dkk. 2016. Wakaf: Pengaturan dan Tata Kelola yang Efektif. Jakarta: Bank Indonesia.Mulyani. 2013. Pengelolaan Wakaf Produktif di Yayasan Perguruan Tinggi Nahdlatul Ulama’ Surakarta. Skripsi Jurusan Syariah Program Studi Ahwal Al-Syakhsyiyyah Sekolah Tinggi Agama Islam Negeri (STAIN) Surakarta.Nasution, M.N. 2005. Manajemen Mutu Terpadu (Total Quality Management). Ghalia Indonesia, Bogor.Nazir, Moh. 2003. Metode Penelitian. Ghalia Indonesia.Pimpinan Pusat Muhammadiyah. 2005. Anggaran Dasar dan Anggaran Rumah Tangga Muhammadiyah. YogyakartaQahaf, Mundzir. 2005. Manajemen Wakaf Produktif. Jakarta: Khalifa.Rozalinda. 2015. Manajemen Wakaf Produktif. Jakarta: PT Rajagrafindo Persada.Sabiq, Saddiq. 1987. Fikih Sunnah 14. Bandung: PT Alma’arif.Sugiyono. 2015. Metode Penelitian Kuantitatif, Kualitatif, dan R&D. Bandung: Alfabeta.Wibisono, Yusuf (ed). 2011. Paradigma Baru Pengelolaan Wakaf Untuk Kesejahteraan Bangsa dalam Indonesia Shari’ah Economic Outlook 2011. Jakarta: Lembaga Penerbit FEUI.Yin, Robert K. 2013. Studi Kasus: Desain dan Metode. Jakarta: PT. Raja Grafindo Persada. 
PENGARUH SERTIFIKAT BANK INDONESIA SYARIAH (SBIS), JUMLAH UANG BEREDAR (JUB), DAN TINGKAT INFLASI TERHADAP NILAI TUKAR RUPIAH ATAS DOLLAR AS PERIODE 2012-2017 DI INDONESIA Lailatul Isfa Maghfiroh; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1196-1208

Abstract

The Purpose of this research is to Find out the effect of macro economics factor including syaria economics like SBIS, JUB, and Inflation Rare in effect to Exchange rate Agaisnt US Dollar, in Long Term or Short Term in 2012-2017. This Research is a quantitative research using data time series. method used in this research is multiple linear regression with monthly data in 2012-2017 period. this research use data gained from the Central Statistic Agency (BPS) and Indonesia Economic Finance Statistic (SEKI). Result of this Research showed partialy, Bank of Indonesia Syaria Certificate and Total Issued Money are positively and significantly effecting exchange rate against US Dollar in 2012-2017 Period, in the other hand Inflation Rate are negatively and not significantly effecting the exchange rate against US Dollar in 2012-2017 Period. Simultaniously, Bank of Indonesia syaria Ceritificate (SBIS), Total Issued Money (JUB), and Inflation Rate are significantly effecting the exchange rate against US Dollar in 2012-2017 Period.Key Words : Exchange Rate, SBIS, JUB, InflationREFFERENCESAl-Qur’an. 2014. Al-Qur’an dan Terjemahannya. Kementrian Arab Saudi. Medinah: Kompleks Percetakan Al-Qur’an Raja Fahd.Anshori, Muslich dan Sri Iswati. 2009. Buku Ajar Metedologi Penelitian Kuantitatif. Surabaya: Airlangga University Press.Al-Maliki, Abdurrahman, 2001, Politik Ekonomi Islam, Terj. Ibnu Sholah, Al-Izzah, Bangil.Ardrabiz. 2011. Pengaruh Tingkat Inflasi Terhadap Kurs Valuta Asing.(diakses pada 5 Maret 2018 di https://arda.biz/ekonomi/analisis-fundamental-ekonomi/pengaruh-inflasi-terhadap-kurs/)Bank Indonesia. Peraturan Bank Indonesia (PBI) Nomor 10/11/PBI/2008 Tentang SBIS (Sertifikat Bank Indonesia Syariah)Atmaja, Surja Adwin. 2002. “Analisa Pergerakan Nilai Tukar Rupiah terhadap Dollar Amerika Setelah Diterapkan Kebijakan Sistem Nilai Tukar Mengambang Bebas di Indonesia”. Dalam Jurnal Ekonomi Akuntansi dan Keuangan, Volume 4 No. 1. Hal 68-78. Universitas Kristen Petra.Chapra, M. Umer. 2000. Sistem Moneter Islam, Jakarta: Gema Insani Press.Deliarnov. 1995. Pengantar Ekonomi Makro. Jakarta: UI-Press.Triyono. 2008. “Analisis Perubahan Kurs Rupiah Terhadap Dollar Amerika”. Jurnal Ekonomi Pembangunan Vol.9 No. 2 Hal-156-157. Surakarta: Fakultas Ekonomi Universitas Muhammadiyah.Samuelson, Paul dan William D. Nordhaus. 2004. Ilmu Makroekonomi. Edisi 17. Jakarta: PT. Media Global Edukasi.Sugiarto, dkk. 2013. “Mekanisme Transmisi Kebijakan Moneter di Indonesia Melalui Sistem Moneter Syariah”. Fakultas Ekonomi dan Bisnis Islam UIN SU.Mankiw, Gregory N. 2006. Makroekonomi. Edisi keenam. Jakarta: PT.Erlangga.Herlambang, dkk. 2002. Ekonomi Makro: Teori, Analisis, dan Kebijakan. Jakarta: PT.Gramedia Pustaka Utama.Miskhin, Frederic S. 2008. Ekonomi Uang, Perbankan, dan Pasar Keuangan. Edisi Sembilan, Jilid 2. Jakarta : Salemba Empat.Effendi, Ari Usman. 2012. Analisis Pengaruh Tingkat Inflasi, Tingkat Suku Bunga, Eskpor dan Impor Terhadap Nilai Kurs Mata uang Rupiah Atas Dolar Amerika Serikat Tahun 1998-2012.www.bi.go.id diakses pada 3 Maret 2018, 13:20www.bps.go.id  diakses 3 Maret 2018, 15:00https://macroeconomicdashboard.feb.ugm.ac.id/perkembangan-moneter-2013-iii/.
DAMPAK PEMBAYARAN ZAKAT TERHADAP PERILAKU KONSUMSI PEGAWAI NEGERI SIPIL DI DEPARTEMEN AGAMA KOTA SURABAYA Aris Kurniawan Ridho; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1228-1241

Abstract

The objective of this study is to find out how the impact of Paying Zakat on consumptive behavior of civil servants in the Department of Religion of Surabaya. The research used qualitative descriptive case study method. The data used were primary and secondary data. The primary data was obtained from the results of interview, observation, and documentation on the relevant parties, while secondary data was obtained through printed media, electronic media as well the Internet on consumptive behavior, in addition to supporting data from various journals and books which are relevant to this study. The results of the research show that zakat gives impact on consumptive behavior of Civil Servants of the Department of Religion in Surabaya. When their salary is deducted in accordance with the provisions of zakat, they feel that the consumptive behavior to fulfill their daily needs is somewhat different when they pay zakat. The efficiency of zakat payment or zakat collection is one of their reasons to continue paying their zakat in accordance with existing provisions. Among the greatest benefits they perceived is the increasing awareness of the obligation to pay zakat and applying consumption principles in accordance to the Islamic norms.Keywords: zakat, consumptive behavior in IslamREFFERENCESAd Dimasyqi, Taqiyyuddin. 2005. Kifayah al Akhyar. Beirut: Darul Kutub Al ‘Ilmiah.Al Gazali, 1994. Rahasia Puasa dan Zakat.Bandung: Penerbit Karisma.Al Qurthubi, Abi Abdillah Muhammad ibn Ahmad. 2006. Tafrir Ahkam al Qur’an. Beirut: Al-Resalah Publishers.Az Zuhaili, Wahbah. 1985. Fiqh Al-Islamiy wa Adillatuhu. Damaskus: Dar al Fikr.Aziz, Muhammad dan Shalikhah. 2014. Zakat Profesi dalam Perspektif Undang-Undang no. 22 Tahun 2011 dan Hukum Islam. Jurnal Ulul Albab Vol. 15, No. 2.Hafiduddin,          Didin2004. Zakat dalamPerekonomian Modern. Jakarta: Gema Insani.Hidayat, Ahmad. 2015. Manajemen Zakat dan Perilaku Konsumsi Mustahik. Jurnal Banking and Management Review, Vol. 4, No. 2.Mariana, Hanik. 2016. Korelasi Zakat dengan Periaku Konsumen dan Pemberdayaan Ekonomi Masyarakat di Banyudono, Ponorogo. Jurnal Muslim Heritage Vol. 1, No. 1.P3EI, 2010.Rasyid, Sulaiman. 1994. Fiqh Islam. Bandung: Sinar Baru Algesindo.Rosmiati, Nur. 2012. Studi Analisis Pengelolaan Dana Zakat Dalam Mengentaskan Kemiskinan. Makasar: UIN Alaudin.Sudirman. 2007. Zakat dalam Pusaran Arus Modernitas. Malang: UIN Malang Press.Al Faizin, Abdul Wahid & Sri Herianingrum. 2018. Zakat: Concept and Implications to Social and Economic (Economic Tafsir of Al- Tawbah: 103). Journal of Islamic Monetary Economic and Finance Vol. 4, No. 1.Yasin, Ahmad Hadi. 2012. Panduan Zakat Praktis. Jakarta: Dompet Dhuafa Republika.
ANALISIS REAKSI PASAR TERHADAP PENGUMUMAN RIGHT ISSUE (STUDI KASUS PADA SAHAM YANG TERDAFTAR DI ISSI) Moch. Ali Fudin Al Islami; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1101-1113

Abstract

This research aims to find out and explain market reactioncaused by existing action corporate advertisement which is the right issue done by the issuer who was listed in Indonesia Sharia Stock Index period 2014-2016.There are 20 issuers who become the research sample with the period of observation is 29 days. The approach used in this research is quantitative approach by using event study method which is the approach that is specialized to analyze a particular event that is believed to have an impact or reaction. The focus of the research is to see the reaction shown by the change of Average Abnormal Return and Trading Volume Activity using one sample t-test and paired sample t-test. Data processing used a statistical tool of Stata version 14 by determining level of significance of 5%.The results of the research show that there is a significant average abnormal return before and after the right issue and there is a significant difference in trading volume activity before and after the right issue.Keywords: Sharia Stock, Right Issue, Abnormal Return, Trading Volume ActivityREFFERENCESBeaver, William H. 1968. The Information Content of Annual Earning Releases : A Trading Volume Approach. Supplement to journal of Accounting ResearchBrigham, Eugene dan Joel F Houston, 2001. Manajemen Keuangan II. Jakarta:Salemba EmpatHermuningsih, Sri., Wardani D, K. (2009). Analisis Reaksi Pasar Modal Terhadap Peristiwa Right Issue Dan Pengumuman Deviden Yang Ditunjukkan Oleh Abnormal Return.Yogyakarta. Fakultas Ekonomi Universitas Sarjanawiyata Tamansiswa. ISSN:2086-0390.Husnan, Suad. (1994). Dasar-Dasar Teori Portofolio dan Analisis Sekuritas. Edisi I. Yogyakarta: Penerbit UPP AMP YKPNHusnan, Suad. (1996). Dasar-dasar teori portofolio dan analisis sekuritas. Edisi II. Yogyakarta: UPP AMP YKPNHusnan, Suad. (2005). Dasar-dasar teori portofolio dan analisis sekuritas.Edisi v. Yogyakarta: UPP AMP YKPNIndonesian Stock Exchange. 2017. Indonesian Capital Market Directory 2017. Jasmine, Aldila., (2015). Reaksi Pasar Terhadap Stock Split Pada Emiten Saham Syariah Yang Terdaftar Di Bursa Efek Indonesia Periode 2011-2014. Surabaya. Fakultas Ekonomi dan Bisnis Universitas Airlangga.Jogiyanto, H. M. (2003). Teori Portofolio dan Analisis Investasi. Edisi Ketiga. Yogyakarta: BPFE Universitas Gajah Mada.Jogiyanto, H. M. (2009). Teori Portofolio dan Analisis Investasi. Edisi Keenam. Yogyakarta: BPFE Universitas Gajah Mada.Latan, Hengky. (2014). Aplikasi Analisis Data Statistik Untuk Ilmu Sosial Sains Dengan Stata. Bandung. Alfabeta.Maguire, Frances. “The Banker”. 2007.Rusdi, Dedi dan Avianto, Angga.(2009). Pengaruh Right Issue Terhadap Tingkat Keuntungan Dan Likuiditas Saham Emiten Di Bursa Efek Jakarta. Fakultas Ekonomi Universitas Islam Sultan AgungSamsul, Mohammad. 2006. Pasar Modal dan Manajemen Portofolio. Jakarta: ErlanggaSugiyono.   2012.   Metode   Kuantitatif,   Kualitatif   dan   R&D.   Cetakan ke-17. Bandung: Alfa BetaUtomo,V.J. 2015. ”Efek Hari Libur Lebaran Pada Emiten yang Terdaftar dalam ISSI Periode 2011-2013” Surabaya.Fakultas Ekonomi dan Bisnis Universitas Airlangga.(www.ksei.co.id/services/corporate_action_services, diakses tanggal 10 Oktober 2017) ______________IDX Fact Book 2016.Bursa Efek Indonesia. Jakarta______________IDX Annualy Statistics 2014.Bursa Efek Indonesia. Jakarta______________IDX Annualy Statistics 2015.Bursa Efek Indonesia. Jakarta______________IDX Annualy Statistics 2016.Bursa Efek Indonesia. Jakarta______________Undang-Undang No. 8 Tahun 1995 Tentang Pasar Modal
STATEGI PENGELOLAAN ZAKAT PRODUKTIF BADAN AMIL ZAKAT KABUPATEN KARANGANYAR DALAM RANGKA PENGENTASAN KEMISKINAN Andi Triyawan; Khairunnisa Sana Shafiyyah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1304-1316

Abstract

The poverty in Indonesia is the long-term problem which it has not been solved by the government. The number of poor people that recorded by Central Bureau of Statistics in Karanganyar is 108.461 inhabitants (2014). Islam has a high attention to take the poverty and the backwardness down from the poor man, because the poverty in Islam is the big danger for the people and not a few people who fall civilization only because of poverty. For solving this problem, Islam has the exact alternative. Islamic Economic system has two instruments which can solve the long-term poverty problem in Indonesia they are zakat and cash waqf. Zakat is the one of economics’ element and the pillars of Islam which must be implemented by every Moslem. Zakat is already widely distributed to several mustahik such as an indigent, poor, orphan, street children and other. And we can see also that zakat has been distributed to fund the development of infrastructure such us mosque, employment and other. But, most of distributed zakat is the consumptive zakat. Whereas the effective zakat for economic growth is the productive zakat which educates mustahik to attempt and to manage zakat fund until he can be muzakki later. From the background, the writer’s research is about the productive zakat management strategy in order towards poverty reduction. And the purpose of it is to know about the productive zakat management strategy in BAZNAS Karanganyar and its role for poverty reduction. The method of this research is descriptive qualitative method that reveals the problem or the reality as what happened until it can reveal the fact and the real image of the object. And to get the data, the writer use interview technique and written records about the productive zakat in BAZNAS Karanganyar. For the data analysis, the writer use the technique of data reduction, data display and inference aboutthe review on the research results. The research’s result is the productive zakat management strategy in BAZNAS Karanganyar has two categories, collection strategy and distribution strategy. The collection strategy applicated with payroll deduction of the moslem government employees in SKPD Karanganyar amount 2,5%, shuttle service zakat and formation the unit of zakat collection in several villages and mosques. And the distribution strategy applicated in “Karanganyar Makmur” program which includes the course of computer and automotive; the training of bag tailor industry; the goat livestock development in several villages in Karanganyar; financing sellers and small businessmen; the cow livestock development; and the other about the sharia business unit and Baitul Maal in several subdistricts. And from the application programs in BAZNAS Karanganyar, these programs are intended to improve the standard of living mustahik from economic, ability and moral side so that poverty can be overcome by any cause. From the result of research, for increasing the potential of the productive zakat, BAZNAS Karanganyar ought to be careful and to objectify the programs about the productive zakat. And for mustahik ought to keep attention and to increase zakat funds’ productivity until the poverty reduction with the productive zakat can be embodied.Keywords: Productive Zakat, BAZ, Poverty Alleviation, Management StrategyREFFERENCESAl-Ghazali (1994) Rahasia Puasa dan Zakat-Terjemahan oleh Muhammad  Al-Baqir-(Bandung: Karisma)Al-Qur’anul KarimAmalia, Kasyful Mahali (2012), Jurnal-Potensi dan Peranan Zakat dalam Mengentaskan Kemiskinan di Kota Medan (Medan)Departemen Agama (1993), Pedoman Zakat, (Jakarta: Proyek Pembinaan Zakat dan Wakaf)Departemen Agama (1996) Pedoman Zakat 9 Seri (Jakarta: Departemen Agama)DikutipolehK.H.DidinHafidhhuddin(2002)dalambuku,ZakatDalamPerekonomian Modern. (Jakarta: Gema Insani)Muhammad dan Ridwan Mas’ud (2005). Zakat dan Kemiskinan Instrumen Pemberdayaan Ekonomi Umat. (Yogyakarta: UII Press)Profil BAZNAS Kabupaten KaranganyarQadir, Abduracchman (2001)Zakat Dalam Dimensi Mahdah dan Sosial.Cet.2 (Jakarta: PT. Raja Grafindo Persada)Ridwan  Mas’ud dan Muhammad (2005) Zakat  dan  Kemiskinan  Instrumen Pemberdayaan Ekonomi Umat (Yogyakarta: UII Press)Suara Merdeka, 26 April 2016, 10.36 WIBTim BAZNAS Kabupaten Karanganyar, Laporan Kegiatan Tahun 2015Transkip Wawancara, 002/WWCR/AGUNGSYARIAH/IV/2016Transkrip Wawancara, 001/WWCR/BAZNAS/IV/2016Wahbah Az-Zuhayly (1995) Zakat  Kajian  Berbagai  Mazhab (Bandung:  PT Remaja Rosda Karya)www.baznaskaranganyar.com www.karanganyarkab.bps.go.id
ANALISIS PERBANDINGAN KINERJA PEMBIAYAAN BANK UMUM SYARIAH DAN BANK UMUM KONVENSIONAL DI INDONESIA PERIODE 2014-2017 Najammudin Syah Falah; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1166-1177

Abstract

Banks are institutions that have the main function as recipients and distributors of funds from the public. Funds obtained can be allocated to a variety of economic sectors and the entire area that is needed in a timely and rapid manner in the form of financing. in Indonesia there are two types of commercial banks, Islamic commercial banks and conventional commercial banks. This study aims to compare the performance of sharia commercial banks and conventional commercial banks based on NPF / NPL and FDR / LDR using the sample T-test method. The results showed that there were no significant differences in the financing performance of Islamic commercial banks and conventional commercial banks.Keywords : Kinerja Pembiayaan, Non Performing Financing (NPF), Non Performing Loan (NPL), Financing to Deposit Ratio (FDR), Loan to Deposit Ratio (LDR)REFFERENCESAtmodjo , Rijanto Sastro, Skenario Rekapitalisasi Perbankan 1999-2001 , dalam Jurnal Hukum Bisnis vol. 6 tahun 1999Antonio, muhammad Syafi’i. 2007. Bank Syariah Dari Teori ke Praktik. Gema Insani Press Jakarta.Bank Indonesia. 1998. UU No.10 tahun 1998, Tentang Perubahan UU No. 7 1992 Tentang Perbankan, JakartaBasse dan Mulazid. 2017. Analisa Pengaruh Kualitas Aset, Likuiditas, Efensiensi Usaha dan Profitabilitas terhadap Rasio Kecukupan Modal pada Bank Umum Syariah Periode 2012-2015Chapra, M. Umer & Habib Ahmed, Coorporate Governance Lembaga Keuangan Syariah, Jakarta : P.T Bumi Aksara, 2008.Heri Sudarsono, Bank dan Lembaga Keuangan Syariah , EKONISA Kampus Fakultas Ekonomi UII Yogyakarta, 2003Kasmir. (2011). Analisis Laporan Keuangan: Jakarta : PT Raja Grafindo Persada.Latan, Hengky. 2014. Aplikasi Analisis Data Statistik Untuk Ilmu Sosial Sains dengan IBM SPSS.Bandung: AlfabetaMulyono, Teguh P. 1995. Aplikasi Akuntansi Manajemen dalam Praktek Edisi ke 2, BPFE. Yogyakarta. Otoritas Jasa Keuangan. 2018. Data BUS dan BUKRidwan. 2005. Manajemen Baitul Maal Wa Tamwil (BMT). Yogyakrta: UII. PressRindawati, Erna 2007, 'Analisis Perbandingan Kinerja Keuangan Perbankan Syariah dengan Perbankan Konvensional', YogyakartaRivai, Veithzal dan Ismail, Rifki. 2013. Islamic Risk Management for Islamic Bank. Jakarta. PT Gramedia Pustaka UtamaSuharso Puguh, 2009. Metode Penelitian Kuantitatif unuk Bisnis. Jakarta: PT. Remaja Rosida Karya.Surat Edaran Bank Indonesia NO.6//23/DPNP tahun 2004Surat Edaran Bank Indonesia No.9/24/DPbS tahun 2007Tangkilisan, Nogi Hessel. 2005. Manajemen Publik. Jakarta. PT. Gramedia Widiasarana IndonesiaUndang-Undang No. 21 Tahun 2008, Tentang Perbankan SyariahWibowo. 2007. Manajemen Kinerja. PT. Raja Grafindo Parsada: Jakarta.
Impact of conventional banking financing and Islamic banking financing on economic growth 2008-2018 Hasymi Nur Baehaqy; Eko Fajar Cahyono
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 6 (2019): Juni-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20196pp1272-1286

Abstract

This research aims to know Impact of conventional banking financing and Islamic banking financing on economic growth 2008-2018. In this study the authors used a saturated sampling technique found in Non-Probability Sampling. The analysis technique used is VECM (Vector Error Correction Model). Based on the results of the study indicate that there is a one-way relationship on several variables, namely Conventional Banking Financing to GDP and Conventional Banking Financing to Islamic Banking Financing, In the long run, Conventional Banking Financing has a positive and significant relationship to GDP, whereas Islamic Banking Financing has a negative and significant relationship to GDP.Keywords: Banking Financing, Economic Growth, GDP (Gross Domestic Product), VECM (Vector Error Correction Model)REFFERENCESAam, Slamet Rusydiana. 2009. Hubungan Antara Perdagangan Internasional, Pertumbuhan Ekonomi Dan Perkembangan Industri Keuangan Syariah Di  Indonesia. Jurnal Islamic Finance & Business Review, Vol.4, 1, (2009),h.53.Abdul Ghofur Anshori. 2009. Perbankan Syariah di Indonesia. Yogyakarta: Gadjah Mada University Press.Abduh, Muhamad dan  Mohd Azmi Omar. 2012. Islamic Banking and Economic Growth: the Indonesian Experience. International Journal of Islamic and Middle Eastern Finance and Management, Vol. 5, No. 1.Abu, Mujahid. 2007.  Kewajiban Bekerja. Media Dakwah Islam.Net, 2007A. McEachern, William. 2000. Ekonomi Makro: Pendekatan Kontemporer. Jakarta: Salemba Empat.Arifin, Imamul, Hadi, W, Giana. 2009. Membuka Cakrawala Ekonomi. Bandung: Grafindo.Andiwarman, Karim. 2004. Bank Islam Analisis Fiqih dan Keuanagan. Jakarta: PT Raja Grafindo Persada.Andrian Tony Prakoso. 2009. Analisis Hubungan Perdagangan Internasionaldan FDI Terhadap Pertumbuhan Ekonomi Indonesia”, (Skripsi S1 Universitas Indonesia, 2009), h.65.Antonio, muhammad Syafi’i. 2001. Bank Syariah Dari Teori ke Praktik. Jakarta: Gema Insani Press. Arcand, Jean-Louis., Enrico Berkes, dan Ugo Panizza. 2012. Too Much Finance?IMF Working Paper, WP/12/161.Ascarya. 2006. Akad dan Produk Bank Syariah : Konsep dan Praktek diBeberapa Negara. Jakarta: Bank Indonesia Ascarya. 2012. Alur Transmisi dan Efektifitas Kebijakan Moneter Ganda diIndonesia. Buletin Ekonomi Moneter dan Perbankan Januari.Badan Pusat Statistik. 2008-2018. Produk Domestik Bruto. Badan Pusat Statistik (Statistik Indonesia), Jakarta.Baily, Martin Neil, Robert J. Gordon, dan Robert M. Solow . 1981. Productivityand the Services of Capital and Labor. Brookings Papers on EconomicActivity Vol. 1981, No.1, pp. 1-65.Bappenas. 2017. Perkembangan Ekonomi Indonesia dan Dunia Triwulan I Tahun 2017. Jakarta: Bappenas.Barro, R.J. 1999. Economic Growth in Cross-secction of Countries. Quarterly Journal of Economics, 106, pp. 407-444.Boediono. 1981. Teori Pertumbuhan Ekonomi. Yogyakarta: BPFE UGMChow, Gregory C. dan Kui-Wai Li. 2002. China’s Economic Growth : 1952-2010. Economic Development and Cultural Change, Vol. 51, No. 1, pp.247-256. The University of Chicago Press.Consuelo G. Sevilla, dkk. 2006. Pengantar Metode Penelitian. Jakarta: UI-Pres, h.71.Damodar N. Gujarati. 2006. Dasar-dasar Ekonometrika Jilid 2. PT. Gelora Aksara Pratama. h.166.Dina, Acyuninda dan Umanto Eko P. 2013. Analisis Hubungan Antara Inflasi Dan Pertumbuhan Ekonomi Di Indonesia MenggunakanPendekatanKointegrasi Dan Kausalitas Granger Pada Periode 2000-2012 “ (Ilmu Administrasi Niaga, Fakultas Ilmu Sosial dan Ilmu Politik, Fisip UI, 2013), h.12.Dumairy. 2015. Bank Islam, Materi Kuliah Sistem dan Lembaga KeuanganSyariah FEB UGM, tidak diterbitkan.Dumairy. 2015. Pilar Sistem Keuangan Islam. Materi Kuliah Sistem danLembaga Keuangan Syariah FEB UGM, tidak diterbitkan.Gambacorta, Leonardo, Jing Yang, dan Kostas Tsatsaronis. 2014. Financial Structure and Growth . BIS Quarterly Review March 2014.Gujarati, Damodar N. 2003. Basic Econometrics, Fifth Edition. New York:McGraw-Hill Irwin. Hasin, Zamrah dan M. Shabri Abd Majid. 2011. The Importance of IslamicBanks in the Monetary Transmission Mechanism in Malaysia.InternationalConference on Idlamic Economics and Finance 8th.Inggrid. 2006. Sektor Keuangan dan Pertumbuhan Ekonomi di Indonesia: Pendekatan Kausalitas dalam Multivariate Vector Error Correction Model (VECM). Jurnal Manajemen dan Kewirausahaan Fakultas Ekonomi UK Petra, 8:40-50.Iskandar dan Sugiharso Safuan. 2010. Analisis Hubungan Perkembangan SektorKeuangan dan Pertumbuhan Ekonomi di Indonesia (PendektanAutoregressive Distributed Lag.Ismail. 2010. Manajemen Perbankan. Surabaya: Kencana.Johnson. 2015. Analysis of the impact of the economic credits on the inflationand economic growth in Togo. African Journal of Marketing Managementvol 7 pp 68-79, July 2015.Kasmir. 2002. Bank dan Lembaga Keuangan Lainnya. Edisi Revisi 2002.Jakarta: PT. Rajagrafindo PersadaKing, Robert G. and Ross Levine. 1993. Finance and Growth, Schumpeter Mightbe Right. The Quarterly Journal of Economics, Vol 108, No.3, pp. 717-737.Oxford University Press.Kurniasari, Widita. 2010. Analisis Pengaruh Kredit Perbankan dan TenagaKerja terhadap Pertumbuhan Ekonomi Indonesia. Unpublished MasterDissertation, Universitas Indonesia, Depok.Kuncoro, Mudrajad.2009. Metode Riset Untuk Bisnis & Ekonomi. Jakarta:Erlangga. Levine, Ross dan Sara Zervos. 1998. Stock Markets, Banks, and EconomicGrowth. The American Economic Review, Vol 88 No.3, pp. 537-558.Lewis, Mervyn dan Latifa Algaoud. 2001. Islamic Banking. Diterjemahkan oleh Burhan Wirasubrata. Jakarta: PT Serambi Ilmu Semesta Anggota IKAPI.Maia, Alexandre Gori dan Esther Menezes. 2014. Economic Growth, Labor andproductivity in Brazil and the United States : a comparative analysis.Revista de Economica Politica June 2014.Mankiw, N. Gregory. 2003. Macroeconomics. Seventh Edition. New York :Worth Publisher.Moh. Toekam. 1999. Perkreditan Bisnis Inti Bank Komersial. Jakarta: PT. Gramedia.Otoritas Jasa Keuangan. 2008-2018. Statistik Perbankan Indonesia. Jakarta: Otoritas Jasa Keuangan.Otoritas Jasa Keuangan. 2008-2018. Statistik Perbankan Syariah. Jakarta: Otoritas Jasa Keuangan.Rahmi Rahmawati. 2016. Pengaruh Faktor Makroekonomi Terhadap Kinerja Keuangan Perbankan Syariah di Indonesia. (Skripsi S1 Fakultas Syariah dan Hukum Universitas Islam Negeri Syarif Hidayatullah Jakarta, 2016), h.63Ribut Wahyudi. 2009. Analisis Vector Auto Regressive (VAR) Transaksi Instrumen Moneter Syariah Terhadap Kinerja Perbankan Syariah di Indonesia. (Skripsi S1 Fakultas Ekonomi dan Bisnis UIN Syarif Hidyatullah Jakarta, 2009), h. 45.Ris, Yuwono Yudo Nugroho. 2009. Analisis Faktor-faktor Penentu Pembiayaan Perbankan Syariah di Indonesia : Aplikasi Model Vector Error Correction”,(Tesis. Institut Pertanian Bogor, 2009), h.77-79.Rivai, Veithzal dkk. 2007. Bank and Financial Institution Management: Conventional and Sharia System, Jakarta: PT Raja Grafindo Persada.Said Sa’ad Marthon. 2004.  Ekonomi Islam Ditengah Krisis Ekonomi Global. Jakarta: Zikrul Hakim, hlm. 142.Sukirno, Sadono. 2002. Makroekonomi Modern. Jakarta: PT Raja Drafindo PersadaSuseno dan Piter Abdullah. 2003. Sistem dan Kebijakan Perbankan di Indonesia.Seri Kebanksentralan no. 7. Jakarta: Bank Indonesia.Sukirno, Sadono. 2004. Pengantar Teori Makroekonomi. Jakarta: PT RajaGrafindo Persada.Undang-undang Perbankan Syariah. 2008. -------------------.Jakarta: Sinar Grafika. Undang-undang Perbankan. 2009. ---------------------.Jakarta: Sinar Grafika.

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