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Jurnal Ekonomi Syariah Teori dan Terapan
Published by Universitas Airlangga
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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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Search results for , issue "Vol. 7 No. 5 (2020): Mei-2020" : 16 Documents clear
META-ANALYSIS: THE DETERMINATION OF FACTORS THAT INFLUENCE MUSTAHIK REVENUE Abdul Alaa Asy Syafiq; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp826-835

Abstract

This study aims to determine the factors that influence mustahiq income in Indonesia using the meta-analysis method after through sample selection. It was found that the variables used were zakat funds, assistance, length of business and education level. This study took a population of journals and manuscripts published on google scholar. This research accumulates and integrates existing studies using the meta-analysis technique developed by Hunter et al. (1982) on 15 publication samples. The results of this study indicate that the overall independent variables namely, zakat funds, assistance, education level and length of business, have a significant effect on the dependent variable of mustahiq income. The results of independent variable calculations state that there is a consistency of calculated results that are significant from the independent variable on the dependent variable, the dependent variable which is mustahiq income, is consistently influenced by its independent variables.Keywords: mustahiq income, productive zakat, assistance, education level, length of business, Meta-analysisREFFERENCE Badan Pusat Statistik. (n.d.). Distribusi persentase penduduk dan kepadatan penduduk menurut provinsi 2000-2013. Jakarta: BPS.Badan Pusat Statistik. Jumlah dan persentase penduduk miskin, garis kemiskinan, indeks kedalaman kemiskinan (P1), dan indeks keparahan kemiskinan (P2) menurut provinsi, 2007-2009 (maret), 2010-2011, 2012 (maret). Jakarta: BPS.Fitri, Maltuf. (2017). Pengelolaan zakat produktif sebagai instrumen peningkatan kesejahteraan umat. Economica: Jurnal Ekonomi Islam, 8(1), 149-173. DOI: http://dx.doi.org/10.21580/economica.2017.8.1.1830Garry. (2011). Pengaruh dana zakat produktif terhadap keuntungan usaha mustahik penerima zakat. Skripsi tidak diterbitkan. Semarang: Fakultas Ekonomi dan Bisnis Universitas Diponegoro.Glass, G. V. (1976). Primary, secondary, and meta analysis of research. Educational Researcher, 5(10):3-8. DOI: 10.2307/1174772Hariandja, Marihot T.E. (2002). Manajemen sumber daya manusia. Jakarta: Grasindo.Hasbullah. (2003). Dasar-dasar llmu pendidikan. Jakarta: Rajagrafindo Persada.Hawkins, I Best, R. J. Coney, K. (1998). Consumer behavior: Building market strategy. USA: Irwin/Mc Graw-Hill.Hunter, F. S. (1990). Methods of meta analysis: Correcting error and bias in research findings. California: Sage Publications. Hunter, J. (1982). Meta-analysis: cumulating research findings accros studies. Beverly Hills: CA. Sage Publications.Ihsan, Fuad. (2006). Dasar-dasar kependidikan, Jakarta: Rineka Cipta.Instruksi presiden no.15 tahun 1974Jurnal ekonomi islam P3EI UII, 2007Mangkunegara, A. A. A. P. (2015) Manajemen sumber daya manusia perusahaan. Jakarta: PT. Remaja Rosdakarya.Notoatmojo, S. (2010). Pengembangan sumber daya manusia. Penerbit : Rineka Cipta.Qardhawi, Y. (2002). Fiqh al-zakah.Beirut: Muassasat al-Risalah.Rohman, Dani. (2018). Pengaruh jumlah ZIS yang diterima, jumlah anggota keluarga, dan lama usaha mustahik penerima ZIS produktif terhadap kesejahteraan ekonomi (studi pada LAZISMU Sragen). Skripsi tidak diterbitkan. Surakarta: IAIN Surakarta.Toriquddin, M. (2015). Zakat Kota Malang perspektif maqashid al syariah ibnu ‘Asyur. Jurnal Ulul Albab, 16(1), 62-79.Zuhayli, W. (1997). Al-fiqh al-islami wa adillatuhu.Damascus: Dar Al-Fikr.
THE IMPACT OF ZAKAT INFAQ SHADAQAH IN THE EMPOWERMENT OF DHUAFA IN THE SURABAYA CITY Trigatra Akbar Utama El Yanda; Siti Inayatul Faizah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp911-925

Abstract

This study aims to determine the impact of the utilization of zakat infaq shadaqah funds at LAZISMU Surabaya to empowerment the poor community. The Impact is measured by indicators of success and failure of business, success and failure of empowerment, and welfare of the perspective of maqashid sharia. Those indicators were measured from before and after mustahik received assistance from LAZISMU Surabaya. The method used is qualitative-descriptive with case study methods. The results of this study are that there informants/mustahik who experienced better changes and did not experience better changes than before. Positive change can be measured by the indicators of success, while the cause of the failure is considered with the failure factors described above.Keywords: Impact, Zakat Infaq Shadaqah, Utilization, EmpowermentREFFERENCE Sasono et. al. (1998). Solusi Islam atas problematika umat: Ekonomi, pendidikan dan dakwah. Jakarta: Gema Insani Press.Ali, Mohammad Daud. (1998). Sistem ekonomi Islam zakat dan wakaf. Jakarta: Universitas Indonesia.Bariadi, Lili., et all. (2005). Zakat dan wirausaha. Jakarta: Centre For Entreneurship Development.Chaudhry, Muhammad Sharif. (Tanpa Tahun). Sistem ekonomi Islam: Prinsip dasar. Terjemahan oleh Suherman Rosyidi. 2012. Jakarta: Kencana Prenada Media Group.Gaus Ahmad. (2008). Filantropi dalam masyarakat Islam. Jakarta: PT Elex Media Komputindo.Kartasasmita. (1996). Pembangunan untuk rakyat: Memadukan pertumbuhan dan pemerataan. Jakarta: CIDES.Khasanah, Umrotul. (2010). Manajemen zakat modern. Malang: UIN Maliki Ibrahim Press.Mujahidin, Akhmad. (2007). Ekonomi Islam. Jakarta: PT. Raja Grafindo Press.Ryandono, Muhammad Nafik Hadi,. Muhammad. (2008). Ekonomi ZISWAQ (Zakat, Infak, Sedekah dan Wakaf). Surabaya: IFDI dan Cenforis.Ryanti, Benedicta. (2003). Kewirausahaan dari sudut pandang psikologi kepribadian. Jakarta: Grasindo.Sanrego, D. Yulizar & Moch Taufik. (2016). Fikih tamkin (fiqih pemberdayaan). Jakarta: Qisthi Press.Sarwat, A. (2014). Seri fiqih kehidupan zakat. Kuningan: Rumah Fiqih Publishing.Shieddieqy, Hasbi. (2005). Panduan zakat. Semarang: Hayam Wuruk.Sugiyono. (2015). Memahami penelitian kualitatif. Bandung: Alfabeta.Suryana. (2003). Kewirausahaan. Jakarta: Salemba Empat.Tjiptoherianto et. al. (1988). Islam dan kemiskinan. Bandung: Penerbit Pustaka.Widiastuti, T. (2016). Model pendayagunaan zakat produktif oleh lembaga zakat  dalam meningkatkan pendapatan mustahiq. Jurnal Ekonomi Dan Bisnis Islam, 1(1), 89–102.Widjaja, HAW. (2003). Otonomi desa. Jakarta: PT Raja Grafindo Persada.W. J. S. Poerwadarminta. (1999). Kamus umum bahasa Indonesia. Jakarta: Balai Pustaka.Yasa IGWM. (2008). Penanggulangan kemiskinan berbasis partisipasi masyarakat di Provinsi Bali. Input: Jurnal Ekonomi dan Sosial, 1(2), 86-91.Yunus, Hadi Sabari. (1989). Subject matter dan metode penelitian geografi permukiman kota. Yogyakarta: Fakultas Geografi Universitas Gadjah Mada.Yin, Robert. K. (2009). Studi kasus; Desain dan metode. Jakarta: Raja Grafindo Persada.Zimmerer et. All. (2009). Essential of entrepreneurship and small bisiness management: Kewirausahaan dan manajemen usaha kecil, Edisi 5, Terjemahan Deny Arnos Kwary. Jakarta: Salemba Empat.
Journal Cover Vol 7, No 5 (2020) Journal Cover
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp%p

Abstract

THE DETERMINANTS OF ASSETS GROWTH OF SHARIA LIFE INSURANCE COMPANIES IN INDONESIA FOR THE 2013-2018 PERIOD Sulistio Purwaningrum; Dian Filianti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp955-970

Abstract

This study aims to examine and determine the determinants of asset growth in Sharia Life Insurance Companies in the 2013-2018 period. This study uses a quantitative approach with the data used are secondary data from the financial statement panel data of each Sharia Life insurance company. The independent variables used in this study are Participant Contributions, Investment Returns, Operating Expenses, and Claims. The dependent variable is the growth of Sharia Life Insurance Company Assets in Indonesia for the period 2013-2018.  The population in this study amounted to 30 Sharia life insurance companies registered with the Financial Services Authority. The sampling technique in this study was purposive sampling with 11 companies selected as samples. . The results of this study indicate that partially the participant contributions and claims variables have a significant negative effect. Investment returns and operating expenses have a significant positive effect on the growth of sharia life insurance company assets. Simultaneously participant contributions variables, investment returns, operating expenses, and claims show a significant influence on the growth of sharia life insurance company assets. Keywords: Participant Contributions, investment returns, operating expenses, claims, asset growthREFFERENCE Ahmed Salman Syed, Hafiz Majdi Ab. Rashid, Sheila Nu Nu Htay. The impact of internal forces on acceptance oftakaful by insurance policy-holders in India. Journal of IslamicAccounting and Business Research, 9(5), 673-686.Ainul, F. N. A., Susyanti, J., & Mardani, R. M. (2017). Pengaruh premi, klaim, hasil underwriting, investasi dan profitabilitas terhadap pertumbuhan aset pada perusahaan asuransi jiwa syariah di Indonesia. Jurnal Ilmiah Riset Manajemen, 6(2), 97-110.Ajija, S. R., Sari, D. W., Setianto, R. H., & Primanti, M. R. (2011). Cara cerdas menguasai Eviews. Jakarta: Salemba Empat.Ali M. Mahbubi, Rusni Hassan, Shabana M. Hasan. (2014). An exploratory study of shari'ah issues in the application of tabarru' for takaful. Global Review of Islamic Economics and Business, 1(3), 164-174.Al-Qur'an dan terjemahan. Kementrian Agama Republik Indonesia. 2018Fatwa Dewan Syariah Nasional No 21/DSN-MUI/X/2001 Tentang Pedoman Umum Asuransi SyariahGhofar, A. (2012). Pengaruh premi, klaim, investasi dan profitabilitas terhadap pertumbuhan aset pada perusahaan asuransi syariah di Indonesia. Skripsi tidak diterbitkan. Yogyakarta: Fakultas Syari’ah Dan Hukum Universitas Islam Negeri Sunan Kalijaga.Inderastuti, A., Budi, S., & SEI, M. S. I. (2018). Pengaruh klaim, hasil underwriting, dan biaya operasional terhadap pertumbuhan aset perusahaan asuransi jiwa syariah di indonesia periode 2012-2016. Skripsi tidak diterbitkan. Surakarta: Institut Agama Islam Negeri Surakarta.Melia, R., & Muharram, R. S. (2018). Pengaruh premi, investasi, dan beban klaim terhadap pertumbuhan aset perusahaan asuransi jiwa syariah di indonesia periode 2012-2016. Skripsi tidak diterbitkan. Surakarta: Institut Agama Islam Negeri Surakarta.Muhammad Syakir Sula. (2004). Asuransi syariah: (life and general) konsep dan sistem operasional. Jakarta: Gema Insani.Murniati Mukhlisin. (2017). Unveiling IASB standardization projects and its influence on the position of Takaful industry in Indonesia. Journal of Islamic Accounting and Business Research, 8(2), 229-247Otoritas Jasa Keuangan (2014). Statistik Perasuransian Indonesia Tahun 2013_______. (2015). Statistik perasuransian Indonesia Tahun 2014_______. (2016). Statistik perasuransian Indonesia Tahun 2015_______. (2017). Statistik perasuransian Indonesia Tahun 2016_______. (2018). Statistik perasuransian Indonesia Tahun 2017_______. (2019). Statistik perasuransian Indonesia Tahun 2018PT. AIA Financial. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.aia-financial.co.idPT. Allianz Life Indonesia. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.allianz.co.idPT. Asuransi Jiwa Syariah Al Amin. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.alamin-isurance.comPT. Asuransi Jiwa Syariah Amanahjiwa Giri Artha. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.amanahgitha.comPT. Axa Financial Indonesia. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.axa.co.idPT. Great Eastrn Life Indonesia. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.greateasternlife.comPT. Jiwa Central Asia Raya. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.car.co.idPT. Jiwa Manulife. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.manulife-indonesia.comPT. Panin Daichi Life . Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.panindai-ichilife.co.idPT. Prudential Life Assurance . Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.prudential.co.idPT. Tokio Marine Life Insurance. Laporan Keuangan (Online). di unduh 3 Januari 2020, dari http://www.tokiomarine.comPeraturan Menteri Keuangan Nomor 18/PMK.010/2010 Tentang Penerapan Prinsip Dasar Penyelenggaraan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syaraih._______. Nomor 11/PMK.010/2011 Tentang Kesehatan Keuangan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip SyariahSoemitra, A. (2009). Bank & lembaga keuangan Islam. Jurnal Islamika, 15(1), 89-112. https://doi.org/10.1007/BF0141590
SOCIAL CAPITAL MANAGEMENT IN IMPROVING COMMUNITY WELFARE (CASE STUDY OF BAALUL MAAL HIDAYATULLAH SURABAYA) Nur Halimah; Irham Zaki
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp842-851

Abstract

This study aimed to describe and analyze the role of social capital, as seen from the interrelation of networks, norms, and beliefs in improving the welfare of the community under the indicators of Maqashid Syariah. This study employed a qualitative approach with a case study strategy. Besides, this study has an analysis unit in the form of social capital and improvement of the welfare of the community who received scholarship assistance from Baitul Maal Hidayatullah of Surabaya. Also, data collection was carried out by interview and direct observation of the research object. The analysis technique utilized in this study was an explanatory analysis technique by explaining the results of interviews and direct observation. The study results reveal that social capital with norms, networks, and trust indicators play a role in improving the welfare of the community seen from the aspects of Maqashid Syariah.Keywords: Social capital, Welfare, and Maqashid SyariahREFFERENCE Al-Faizin, Abdul Wahid dan Nashr Akbar. (2010). Tafsir ekonomi kontemporer kajian tafsir al-qur’an tentang ekonomi Islam. Jakarta: Madani Publishing House.Amalia, Euis. (2009). Keadilan distributif dalam ekonomi Islam penguatan peran LKM dan UKM di Indonesia. Jakarta: PT. RajaGrafindo Persada.Chapra, Umer. (2001). Masa depan ilmu ekonomi (sebuah tinjauan Islam. Jakarta: Gema Insani Press.Field, John. (2010). Modal sosial. Bantul: Kreasi Wacana.Widayani, Retno dan Nisa Agistiani Rachman. (2003). Studi kemunculan modal sosial.Jurnal Kebijakan dan Administrasi Publik, 17(2), 1-75Yin, Rober K. (2010). Studi kasus design & metode. Jakarta: Raja Grafindo Persada.
IMPLEMENTATION OF UNDERWRITING RISK MANAGEMENT IN PT. ASURANSI JASINDO SYARIAH Wahyu Rofikah; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp901-910

Abstract

This study purpose to how the risk management process in PT Asuransi Jasindo Syariah with a case study of vehicle insurance class of business. This research uses a qualitative approach with a descriptive case study strategic. The research data was obtained through primary data in the form of interviews and secondary data. The selection of informants in interviews through snowball sampling techniques and secondary data obtained from supporting data in the form of archives, reports and relevant document and literature reviews related to research. The results of this study indicate that PT Asuransi Jasindo Syariah has a significant role in the process of underwriting risk management, especially in vehicle insurance product, which have the highest loss ratio among other products. The underwriting risk management process carried out by PT Asuransi Jasindo Syariah is risk identification, risk measurement, risk monitoring, and risk control.Keywords: risk management, underwriting, syariah insuranceREFFERENCE Ahmad, R dan Abdul H. (2008). Lembaga keuangan syariah. Jakarta: Zikrul Hakim.Ali, AM. (2004). Asuransi dalam perspektif hukum Islam. Jakarta: Prenada Kencana.Amrin, A. (2006). Asuransi syariah keberadaan dan kelebihan ditengan asuransi konvensional. Jakarta: PT Elex Media Komputindo.Burhanuddin. (2010). Aspek hukum lembaga keuangan syariah. Jakarta: Graha Ilmu.Darmawi, H. (2006). Manajemen risiko. Jakarta: Bumi Aksara.Dewi, G. (2007). Aspek-aspek hukum dalamperbankan dan perasuransian syariah di Indonesia. Jakarta: Kencana. Fatrisia, L. (2015). Tinjauan ekonomi Islam terhadap manajemen risiko penyaluranpinjaman bakulan pada PT. Permodalan Ekonomi Rakyat Provinsi Riau Pekanbaru. Skripsi tidak diterbitkan. Pekanbaru: Universitas Islam Negeri Sultan Syarif Kasim Riau.Huggins, K dan Robbert D. (1996). Operasi perusahaan asuransi jiwa dan asuransi kesehatan. Jakarta: Yayasan Dharma Bumiputera.Irnawati, I. (2011). Implementasi manajemenrisiko di PT. Bringin Life Syariah. Skripsi tidak diterbitkan. Jakarta: UIN Syarif Hidayatullah.Rahmawati, D. (2017). Implementasi underwriting pada penerbitan polis di AJB Bumiputera 1912 divisi syariah cabang Sidoarjo. Skripsi tidak diterbitkan. Surabaya: Universitas Islam Negeri Sunan Ampel SurabayaSalinan Peraturan Menteri KeuanganNo.18/PMK.010/2010 tentang Penerapan Prinsip Dasar Penyelenggaraan Usaha Asuransi dan Usaha Reasuransi dengan Prinsip Syariah. Jakarta: Menteri KeuanganSurat Edaran Otoritas Jasa Keuangan Nomor 6/SEOJK.05/2017 tentang Penetapan Tarif Premi atau Kontribusi pada lini Usaha Asuransi Harta Benda dan Asuransi Kendaraan Bermotor Tahun 2017Pemerintah Indonesia. (2014). Undang-Undang No. 40 Tahun 2014 tentang Asuransi. Lembaran Negara RI Tahun 2014 No. 40. Jakarta: Sekertariat NegaraPeraturan Otoritas Jasa Keuangan Nomor 1/POJK.05/2015 tentang Penerapan Manajemen Risiko Bagi Lembaga Keuangan Non-BankPolis Standar Asuransi Kendaraan Bermotor Indonesia 2018 – Asosiasi Asuransi Umum IndonesiaSalim, A. (2005). Asuransi dan manajemen risiko. Jakarta: PT. Raja Grafindo Persada.Saniatusilma, Hifi dan Suprayogi, Noven. (2015). Manajemen risiko dana tabarru’ pada PT. Asuransi Jiwa Syari’ah Al-Amin. Jurnal Ekonomi Syariah Teori dan Terapan, 2(12), 1002-1018.Sukmadinata. (2008). Metode penelitian kualitatif. Bandung: Graha Aksarandu.Sula, S. (2004). Asuransi syariah (life and general): Konsep dan sistem operasional.Jakarta: Gema Insani Press.Suseno, P. (2014). Konsep dasar manajemenrisiko. Tangerang: Universitas Terbuka.Susilo, L., dkk. (2018). Manajemen risiko berbasis ISO 31000 untuk industri nonperbankan. Jakarta: PPM Manajemen.Wahyudi, dkk. (2013). Manajemen risiko bank Islam. Jakarta: Salemba Empat.Yin, Robert K. (2008). Case study research: Design and methods (applied social research methods). Illinois: Sage Publications, Incwww.jasindosyariah.co.id 
THE INTERNAL FACTORS AFFECTING THE FINANCING OF SHARIA GENERAL BANK IN INDONESIA FOR 2014-SEPTEMBER 2019 PERIOD Dinayatin Umaroh; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp971-984

Abstract

This study aims to determine the effect of internal factors of Islamic commercial banks in Indonesia on financing. Measured through Bank Size (Size), Liquidity Ratio, Capital Ratio, and Third Party Funds (DPK) of the four independent variables will be tested for the effect on one dependent variable. Sampling in this study uses a purposive sampling technique that includes all Islamic commercial banks in Indonesia and is taken in accordance with the criteria and research objectives into the observation data. The observation period of research data from 2014-September 2019 amounted to 8 banks. The analytical method used is panel data regression. The results of this study found that partially Bank Size, Liquidity Ratios, Capital Ratios and Third Party Funds had a positive and significant effect on Islamic commercial bank financing in Indonesia. However, the Capital Ratio has a negative and significant effect on Islamic commercial bank financing in Indonesia. Simultaneously, the four variables indicate that the independent variable influences the financing of Islamic commercial banks. The significance value of the F-statistic test shows the number 0.000000 with the value of the R-squared coefficient 0.990219 or 99% which means the four independent variables can explain financing well.Keywords: Financing, bank size, liquidity ratio, capital ratio, third party fundsREFFERENCE Ajija, S. R., Sari, D.W., Setianto, R. H., & Primanti, M. R. (2011). Cara cerdas menguasai Eviews. Jakarta: Salemba Empat.Ansari, L. P. (2017). Pengaruh tingkat inflasi dan dana pihak ketiga terhadap pembiayaan dan implikasinya terhadap pendapatan pada bank umum syariah di indonesia (studi kasus bank syariah bukopin). Jurnal E-KOMBIS, 3(7), 93–103.Arisandi, L.W., Desak, N.S.W., & Edy, S. (2015). Pengaruh Kondisi Internal Capital Adequacy Ratio, Loan to Deposit Ratio,dan Performing Loan pada Keputusan Pemberian Kredit di PT bank Rakyat Indonesia (Persero) Tbk Tahun 2004-2013. Jurnal Ilmiah Mahasiswa Akuntansi Undiksha, 3(1).Arnan, S. G., & Kurniawasih, I. (2014). Pengaruh jumlah dana pihak ketiga dan tingkat non- performing financing terhadap pembiayaan. Proceedings SNEB 2014, 1, 1–6.Aziza, R. V. S., & Mulazid, A. S. (2015). Analisis pengaruh dana pihak ketiga, non performing financing, capital adequacy ratio, modal sendiri dan marjin keuntungan terhadap pembiayaan murabahah. Jurnal Ekonomi Dan Bisnis Islam, 2(1), 1–15.Fauzan, M. (n.d.). Pengaruh dana pihak ketiga dan modal sendiri terhadap pembiayaan. JII, 2(1), 1–20.Gianni, Nur Gilang. (2013). Faktor yang mempengaruhi pembiayaan mudharabah pada bank umum syariah di Indonesia. Accounting Analysis Journal,2(1), 96-103.Gujarati, D.N., & Zhu, L. (2004). Basic econometrics, fourth edition. New York: Mc Graw-Hill Comprnies. Gunanto. D. S. dkk. 2018. Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Return On Asset (ROA) terhadap pembiayaan musyarakah. Jurnal Ilmiah Edunomika, 2(2), 219-230.Husaeni, U. A. (2017). Determinan pembiayaan pada bank pembiayaan rakyat syariah di Indonesia. Esensi, 7(1), 49–62. https://doi.org/10.15408/ess.v7i1.4542Ichsan, Nurul. (2013). Pengelolaan likuiditas bank syariah. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah. 6(1), 82-103.Ismail, Rifki. (2011). The Indonesian Islamic banking theory and practices. Jakarta: Gramata Publishing.Karim, A. A. (2010). Bank islam (analisis fiqih dan keuangan). Jakarta: PT. Raja Grafindo Persada.Kasmir. (2014). Analisis laporan keuangan. Jakarta: PT Raja Grafindo Persada.Kumara, Melany Devinta. (2017). Pengaruh bank size dan portofolio kredit terhadap resiko kredit bermasalah. Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.Kurnia, Indra dan Wisnu Mawardi. (2012). Analisis Pengaruh BOPO, EAR, LAR dan firm size terhadap kinerja keuangan (studi kasus pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia Periode 2008-2011). Diponegoro Journal of Management, 1(4), 49-57.Kurniawanti, A., & Zulfikar. (2014). Analisis faktor-faktor yang mempengaruhi volume pembiayaan berbasis bagi hasil pada bank umum syariah di Indonesia. Seminar Nasional dan Call For Paper. 145-164.Malede, Mitku. (2014). Determinants of commercial banks lending: evidence from Ethiopian Commercian Bank. European Journal of Business and Management, 6, 109-118.Muhammad. (2005). Manajemen bank syariah. Yogyakarta: UPP AMP YKPN.Muhammad. (2014). Manajemen dana bank syariah. Jakarta: Raja Grafindo Persada.Nurhalimah. T. P. (2005). Analisis faktor-faktor yang mempengaruhi pembiayaan bank syariah dalam upaya pengembangan usaha kecil di Sumatra Utara. Skripsi tidak diterbitkan. Medan: Universitas Sumatra Utara.Nurhasanah, L. (2009). Pengaruh kas, dana pihak ketiga, SWBI (Sertifikat Wadiah Bank Indonesia), marjin keuntungan, dan NPF (Non Performing Financing) terhadap pembiayaan murabahah. Skripsi tidak diterbitkan. Yogyakarta: Universitas Muhammadiyah Yogyakarta.Octavina. K. dan emile. S. D. (2012). Pengaruh kas, bonus SWBI (Sertifikat Wadiah Bank Indonesia), marjin keuntungan, dan dana pihak ketiga terhadap pembiayaan murabahah: Studi empiris pada bank umum syariah di Indonesia. Jurnal akuntansi & Investasi, 13(1), 53-67.Olokoyo, Felicia Omowunmi. (2011). Determinants of commercial bank lending behaviour in Nigeria. Intenational Journal of Financial Research, 2, 61-72.Pratin., dan A. Adnan. (2005). Analisis Hubungan simpanan, modal sendiri, npl, prosentase bagi hasil, dan markup keuntungan terhadap pembiayaan pada perbankan syariah studi kasus pada Bank Muamalat Indonesia (BMI). Kajian Bisnis dan Manajemen. Edisi Khusus on Finance, 35-52.PT Bank Mega Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.megasyariah.co.idPT Bank Muamalat Indonesia. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.bankmuamalat.co.idPT Bank Syariah Bukopin. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.syariahbukopin.co.idPT Bank Syariah Mandiri. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.mandirisyariah.co.idPT BCA Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.bcasyariah.co.idPT BNI Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.bnisyariah.co.idPT BRI Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.brisyariah.co.idPT Maybank Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.maybanksyariah.co.idPurwanto, Rakhmat dan Endang Tri Widyarti. (2011). Analisis perbandingan efisisensi Bank Umum Konvensional (BUK) dan Bank Umum Syariah (BUS) di Indonesia dengan metode Data Envelopment Analysis (DEA) (Perode 2006-2010). Skripsi tidak diterbitkan. Semarang: Universitas Diponegoro.Qoyum, Abdul. (2010). Equity based financing policy, capital adequacy ratio discriminant and Islamic bank financing insurance corporation. Thesis. Kuala Lumpur: International Islamic University Malaysia.Schaik, D. (2001). Islamic banking. The Arab Bank Review, 3(1), 45-52.Safitri, I., Nadirsyah, N., & Darwanis, D. (2016). Pengaruh kinerja keuangan terhadap pembiayaan bank umum syariah di Indonesia (periode 2009-2013). Share - Jurnal Ekonomi Dan Keuangan Islam, 5(2), 155–164. https://doi.org/10.22373/share.v5i2.1239Siregar. N. (2005). Analisis faktor-faktor yang mempengaruhi penyaluran dana perbankan syariah di Indonesia. Skripsi tidak diterbitkan. Medan: Universitas Sumatra Utara.Umam, Khaerul. (2013). Manajemen perbankan syariah. Bandung: CV. Pustaka Setia.Verbeek, M. (2008). A guide to modern econometrics. New York: John Wiley & Sons.Wahyu, D. R. (2016). Financing To Deposit Ratio (FDR) sebagai salah satu penilaian kesehatan bank umum syariah (studi kasus pada bank BJB syariah cabang Serang). Jurnal Ekonomi Keuangan dan Bisnis Islam, 7(1), 19-36.Widarjono, Agus. (2013). Ekonometrika: Pengantar dan aplikasinya disertai panduan Eviews. Yogyakarta: UPP STIM YKPN.Zulkhibri, M. (2018). The impact of monetary policy on Islamic bank financing: bank-level evidence from Malaysia. Journal of Economics, Finance and Administrative Science, 23(46), 306–322. https://doi.org/10.1108/JEFAS-01-2018-0011
PONDOK PESANTREN MUKMIN MANDIRI AND ITS ROLE ON THE COMMUNITY DEVELOPMENT IN THE FRAMEWORK OF MAQASHID SHARIAH Achmad Rifkih Mansur; Tika Widiastuti
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp861-873

Abstract

This study aims to determine the role of the Pondok pesantren Mukmin Mandiri towards the community within the maqashid syariah framework. The research method used is a descriptive qualitative approach. The data used in this study are primary data obtained from the Pondok pesantren Mukmin Mandiri Sidoarjo and the community around the pesantren. This study revealed that pesantren have the potential to develop an Islamic perspective. The focus of economic development does not lie in mere material development. Still, it must place man as his main subject and object in relation to the Khalifah of Allah on Earth. This study uses maqashid syariah as a fundamental theory. Classifying the activities of the pesantren Mukmin Mandiri activities into the sharia maqashid dimensions, namely religion (din), soul (nafs), reason (aqal), descent (nasl) and treasure (maal). The results showed that pesantren have a role in community development in terms of Islamic development based on maqashid syariahKeywords: Community Development, Islamic development, Maqashid syariah and Pondok PesantrenREFFERENCE Ausaf Ahmad. (1998). Economic development in islamic development revisited, dalam Development and Islam: Islamic perspectives on Islamic development. New Delhi: Institute of Objective Studies.Chapra, Umar. (2000). Islam dan pembangunan ekonomi, edisi terjemahan. Jakarta: Gema Insani.Chapra, Umar. (2008). The Islamic vision of development in the light of maqashid al shariah. Jeddah: Islamic Research and Training Institute.Jamaluddin, Muhammad. (2012). Metamorfosis Pesantren di Era Globalisasi. Jurnal Karsa, 20(1), 127-139.Nadzir, Mohammad. (2015). Membangun pemberdayaan ekonomi di pesantren. Jurnal Economica, 6(1), 37-56Nafi’,M. D., dkk. (2007). Praksis pembelajaran pesantren. Yogyakarta: Institute for Training and Development Amherst MA.P3EI. (2012). Ekonomi Islam. Jakarta: PT. RajaGrafindoPersada.Saifullah. (2012). Ekonomi pembangunan Islam. Bandung: Gunungdjati Press.
THE EFFECT OF ISLAMIC WORK ETHICS ON EMPLOYEE LOYALTY OF YAYASAN NURUL HAYAT SURABAYA Sheila Ayu Pramesti Permatasari; Ririn Tri Ratnasari
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp852-860

Abstract

This study aims to determine the effect of Islamic work ethics on employee loyalty at Nurul Hayat Foundation in Surabaya. This study uses a quantitative approach. Data collection techniques are by distributing questionnaires to employees of Nurul Hayat Surabaya. The analysis technique used is SEM PLS by conducting a non-probability sampling technique used in sampling in this study, namely the purposive sampling technique. The results of this study indicate that Islamic work ethics has a significant influence on employee loyalty.Keywords: Ethics,  Employee Loyalty, Nurul HayatREFFERENCE Ahmad, Shukri dan Yusuf Owoyemi, Musa. (2012). The concept of Islamic work ethic: An analysis of some salient points in the prophetic tradition. International Journal of Business and Social Science, 3(20),116-123.Ali, A. (2001). Scaling an Islamic work ethics. The Journal of Social Psychology, 128(5), 575-83.Ali, A. J., & Al-Kazemi, A. A. (2007). Islamic work ethic in Kuwait. Cross Cultural Management: An International Journal, 14(2), 93–104.Ali, A.J., dan Owaihan, A.A. (2008). Islamic work ethic: A critical review. Cross Cultural Management: An International Journal, 15(1), 5-19.Anwar Prabu Mangkunegara. (2004). Manajemen sumber daya manusia perusahaan. Bandung: PT Remaja Rosdakarya.Chang, C. C., C. M. Chiu, et al. (2010). The effect of TQM practices on employee satisfaction and loyalty in government. Total Quality Management, 21(12), 1299-1314.Faqih, Ainur Rahim. (2011). Bimbingan dan Konseling dalam Islam. Jakarta: UII press.Hart, D. W. and J. A. Thompson. (2007). Untangling employee loyalty: A psychological contract perspective. Business Ethic Quarterly, 17(2), 297-323.Hasibuan, Malayu S.P. (2010). Manajemen sumber daya manusia. Jakarta: PT Bumi Aksara.Kirana, K.C., Ratnasari, R.T. (2017). Evaluasi kinerja sumber daya manusia (SDM). Yogyakarta: Gosyen Publishing.Marri, M.Y.K. (2012). The Impact of Islamic work ethics on job satisfaction and organizational commitment: A study of agriculture sector of Pakistan. IJJBBS, 2(12), 37-49.Sugiyono. (2012). Metode penelitian kuantitatif kualitatif dan R&D. Bandung: Alfabeta.
THE SELECTION OF EFFICIENT SHARIA STOCKS FOR THE FORMATION OF AN OPTIMAL PORTFOLIO Taufik Nugroho; Aam Slamet Rusydiana
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp985-1001

Abstract

The analysis of the optimal portfolio allows investors to analyze appropriate to minimize the risks accepted by the objective of maximizing profit with the same risk among existing stocks. Data Envelopment Analysis (DEA) is used to determine the stocks with efficient performance based on ratio analysis. Having selected some stocks, the efficient formation of the optimal portfolio is then performed with a single index models and determined how much the proportion of funds invested in each stock. The sample data used are stocks in listed ISSI 2012-2016. Based on the analysis of efficiency as a candidate portfolio models using DEA - CCR and DEA – BCC, it generate 16 efficient stocks that form the candidate portfolio. After the analysis of all 16 efficient stock, it obtained 6 stocks to form the optimal portfolio Keywords: Optimal Portfolio, DEA, Stocks Efficiency, Single Index ModelREFFERENCE Adler N and B Golany. (2001). Evaluation of deregulated airline networks using data envelopment analysis combined with principal component analysis with an application to western europe. EJOR, 132(2), 260-273.Banker, R.D., Charnes, A., and Cooper, W.W. (1984). Some models for estimating technical and `scale inefficiency in data envelopment analysis. Management Science, 30 (9), 1078-92. Brigham, F. Eugene and Philip R. Daves. (2004). Intermediate Financial Management, eighth edition. New York: McGraw-Hill, Inc.Brigham, E.F. and Houston, J.F. (2007). Fundamentals of financial management. London: Thomson. Bursa Efek Indonesia. (2015). Data factbook Bursa Efek Indonesia tahun 2015. Jakarta: Bursa Efek Indonesia. Bursa Efek Indonesia. (2015). Data Statistik Bursa Efek Indonesia tahun 2015. Jakarta: Bursa Efek Indonesia.Charnes, A., Cooper, W.W., and Rhodes, E. (1978). Measuring the efficiency of decision making units. European Journal of Operation Research, 2(6), 429- 44. Chen, Hsin-Hung. (2008). Stock selection using data envelopment analysis. Industrial Management & Data Systems, 108(9), 1255-1268. Elton, Edwin J, Martin J, Gruber, and Manfred W. Padberg. (1976). Simple criteria for optimal portfolio selection. The Journal of Finance, 31(5), 296-302.Elton Edwin J., and Martin J. Gruber. (1995). Risk reduction and portfolio size: An analytical solution. Journal of Business, 50(4), 415-437.Elton, Edwin J and Martim J Gruber. (1995). Modern portofolio theory and insturement analysis, Fith Edition. Toronto: John Willey & Sons, Inc.Hartono, Jogiyanto. (2010). Teori portofolio dan analisis investasi. Yogyakarta; BPFE.Leila Zamazami et al,. (2014). Portfolio selecton using data envelopment analysis (DEA): A case of selected indi invesment companies. International journal of current research and academic review, 2(4), 50-55.Leivo, Timo, H. & Patari, Eero J. (2010). Ehancement of Value Portfolio Performance Using Data Envelopment Analysis. Studie in Economics and Finance, 27(3), 223-246.Werastuti, Desak Nyoman Sri. (2014). Pembentukan Portofolio Optimal melalui Pendekatan Efisiensi. Jurnal Ilmiah Akuntansi dan Humanika, 3(4), 1262-1289.

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