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Jurnal Al-Qardh
Published by Institut Agama Islam Negeri Palangka Raya
ISSN : 23546034     EISSN : 25990187     DOI : 10.23971/jaq.v1i2.
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
Journal Alqardh published by Faculty of Islamic Economics and Business is aimed at being a medium for research results dissemination and scientific papers on the Indonesian economy and business among international academics, practitioners, regulators, and public. The Alqardh is issued two times annually, i.e., in July, and Desember. The Editor receives research manuscripts that not have been offered for publication elsewhere. Since its first issue published in 2016, the Journal Al-Qardh has more progress. Its commitment toward the development of education, especially in the realm of research, the aim Alqardh being a prestigious scholarly periodical in the world on the Indonesian economy and business
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 6 Documents
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Search results for , issue "Vol 5, No 2 (2020): AL-QARDH" : 6 Documents clear
PERCEPTION ON BANK INTEREST AND THE USE OF ISLAMIC BANKS: CASE STUDY INDONESIAN STUDENTS IN MEDINA SAUDI ARABIA Ahmad Bilal Almagribi; Bayu Taufiq Possumah; Halimi Husayn
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2380

Abstract

This study aims to investigate the perceptions of Indonesian students in Medina, the Kingdom of Saudi Arabia about bank interest and Islamic banks usage. By using questionnaires data collection method and purposive sampling technique, 40 students have been interviewed online in this study. The data is then analyzed by descriptive percentage. This study found that most Indonesian students in Medina consider bank interest as usury and only 5% of them thought that both were different. The students who consider bank interest as usury argue that the contract between the customer and the bank is a Qordh (loan) contract. In contrast, respondents who consider the bank interest and usury are different, arguing that the interest is not always as usury according to some scholars who do not categorize the contract between bank and customer as Qordh, but as Tamwil (financing). This study also found that most of the students using Islamic banks and at the same time some of them also have conventional accounts for various reasons, such as the limited number of ATMs and branch offices, and no Islamic debit cards yet that are accepted as credit cards in online transactions.
هيئة الزكاة الوطنية الأندونيسية)بازناس) تقييم إقتصادي إسلامي ria Agustina
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2307

Abstract

هدفت هذه الدراسة الي بيان الواقع الميداني والتشريعي للزكاة ومؤسستها في اندونيسية وفي هذه الحالة هيئة الزكاة الوطنية (بازناس)، وبيان عن الهيكل التنظيمي للهيئة ونظامها الداخلي وبيان مدى موافقة وامتثال الواقع التشريعي  المعمول لأنشطة الهيئة مع الأصول الشرعية، وبيان عن كفائتها في الجباية والتوزيع، بالإضافة الى الكشف عن  المشكلات التي تواجهها الهيئة ومحاولة إيجاد الحلول لها، وتميزت الدراسة في انها تبحث عن مؤشر الزكاة الوطني كأداة للتقييم وأداء الزكاة في أندونيسية على مستوي الكل بجميع أنحاء الدولة ولم تختص بفروع المعين. وتوصلت الدراسة إلى النتائج منها : وجود القصور والفجوة بين إجمالي حصيلة الزكاة التي يمكن تحصيلها وحصيلة الزكاة التي تم تحصيلها فعليا، وضعف الوعي المزكي في أداء واجباته، وذلك بناء" على ضعف الدعم الحكومي لمؤسسات الزكاة سواء كانت الدعم في شكل القوانين أو دعم في شكل تخصيص الميزانية الحكومية لتتحمل تكاليف الهيئة في القيام بوظائفها، وضعف ثقة الجمهور لدي الهيئة وذلك بناء على ضعف الكوادر البشرية لدي مؤسسات الزكاة في القيام بوظائفهم ولم يظهر آثار الزكاة على رفاهية المستحق على الوجه الملموس، فينبغي للهيئة تحسين إدارتها في الجباية وتوزيع الزكاة وتنويع آليات دفع الزكاة من ناحية وتنويع برامج التوزيع من ناحية آخرى وكذلك تحسين الاستراتيجية وذلك من اجل تفعيل الزكاة وتأثيرها على المستحقين، بالإضافة الى تحسين نظام قائمات / قائمة البيانات، والتوعية عن الآداة للتقييم أداء الزكاة حتي تتمكن من خلالها معرفة كفاءة الهيئة في الجباية والتوزيع وتصحيح الحالات السيئة في المجتمع.
PERAN KECUKUPAN MODAL ATAS PENGARUH RISIKO PEMBIAYAAN DAN LIKUIDITAS TERHADAP PROFITABILITAS (STUDI PADA BANK UMUM SYARIAH PERIODE 2016-2018) Ryan Yushinta; Muhammad Rusdi; Lidia Desiana
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2151

Abstract

This study aims to analyze and determine the influence of financing and liquidity risks on profitability with capital adequacy as an intervening variable in Islamic Commercial Banks in Indonesia for the period of 2016-2018. The population in this study were 14 Islamic Commercial Banks in Indonesia in the 2016-2018 period. The technique used in sampling is purposive sampling. The sample used is the 2016-2018 quarterly report on 7 Sharia Commercial Banks. The type of data used is secondary data. Data analysis techniques in this study used SPSS 21 software, which consisted of descriptive statistical analysis, classic assumption tests, multiple regression analysis, and mediation testing using the causal step and sobel test methods. By using multiple regression analysis, the results of the study show that the financing risk (NPF) has a negative and significant effect on profitability (ROA). Liquidity (FDR) has a positive and significant effect on profitability (ROA). Capital adequacy (CAR) doesn’t affect profitability (ROA). Financing risk (NPF) has a negative and significant effect on capital adequacy (CAR). Liquidity (FDR) doesn’t affect capital adequacy (CAR). Then based on the results of the analysis using the causal step and sobel test methods, capital adequacy (CAR) mediates the effect of financing risk (NPF) and liquidity (FDR) on profitability (ROA).
MEKANISME PASAR PENDEKATAN RETROSFEKTIF EKONOMI ISLAM Ahmad Zaky Muzakkir
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2200

Abstract

ABSRACTMarket is the most visited place by the public. The market in Islamic view of economy requires morality in all economic activities, in particular : fair and healthy competition, honesty, transparancy, and fairness. The concept of market mechanisms in Islam is built on principles, that is: Ridho each other, healthy competition, honesty, transparency, and justice. Islam has tightened its people’s pace in financial activities and businesses that promote economic and social well-being. This goal is to analyze the mechanisms of the market in Islam and understand the concept of the market based on islamic sharia. In addition to understanding the principles of the market, which are based on islamic sharia. The method used in writing this article is descriptive. The data collected is then analyzed by qualitative methods. In this study the authors conducted an analysis of the market systems in Islam. The concept of the islamic natural marketaffirms that the market must stand above the principle of free competition but not absolute, but freedom wrapped in sharia rules. The concept of market mecanisme in Islam is built on principles: ridho, healthy compotition, honesty, or openness and justice.
KEDUDUKAN SHARIA COMPLIANCE PERBANKAN SYARIAH DI INDONESIA PERSPEKTIF YURIDIS-FILOSOFIS Ni Nyoman Adi Astiti; Jefry Tarantang
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2454

Abstract

Sharia compliance is currently an important issue for sharia bank stakeholders in Indonesia. There have been many sharp criticisms from the public regarding the compliance of Islamic banks to Islamic principles, that Islamic banks in Indonesia are currently not compatible with sharia. This condition may be a positive impact of the increasingly massive socialization of Islamic banking to the public so that people are starting to become aware and have sufficient knowledge of Islamic banking, both from a juridical perspective as a regulatory framework and a solution to the legal vacuum of sharia banking regulations to ensure legal certainty, as well as a perspective. philosophical on the regulatory system that aims to create justice and benefit in Islamic banking practices.
ANALISIS KASUS KEMISKINAN DI PROVINSI KALIMANTAN TENGAH DENGAN PENDEKATAN PRINCIPAL COMPONENT ANALYSIS Annisa Halida; Nadya Farah Pradita; Yuana Sukmawaty
AL-QARDH Vol 5, No 2 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i2.2452

Abstract

According to a report by the Central Statistics Agency, the percentage of poor people in urban areas in September 2019 was 6.89%. Meanwhile, the percentage of poor people in rural areas in September 2019 was 13.10%. The data above is only a national percentage, there are still many provinces that have a poverty percentage above the national percentage, especially in Central Kalimantan Province. There are many factors that influence poverty, including education, employment status, working sector, and per capita income. This paper focuses on a study to determine the factors that have the greatest influence on poverty in Central Kalimantan Province in 2019. The results of this study simplify the poverty factor into 2 (two) factors, namely the first factor consisting of variables of education, work status, and sector. work. Meanwhile, the second factor consists of the variable per capita income for food. In addition, the greatest eigen value was obtained in the education variable of 465.67, which indicates that the education variable has the greatest influence on poverty in Central Kalimantan Province in 2019.

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