scholarly journals ANALISIS SISTEM LEMBAGA KEUANGAN SYARIAH DAN LEMBAGA KEUANGAN KONVENSIONAL

IQTISHODUNA ◽  
2018 ◽  
pp. 15-30
Author(s):  
Roifatus Syauqoti ◽  
Mohammad Ghozali
Keyword(s):  
Computer Technology ◽  
Qualitative Method ◽  
Banking System ◽  
Profit Sharing ◽  
High Ratio ◽  
Transfer Mechanism ◽  
General Terms ◽  
Monetary Crisis ◽  
Descriptive Method ◽  
Conventional Bank

For holding the banking system, Indonesia applied dual banking system based on institutional regulation Number 10, 1998. The existence of dual banking system was realized by monetary crisis on 1998, that caused bankrupt impact of conventional banking system for the high ratio of the debt interest. Dual banking system means that Indonesia applied both sharia and conventional banking system. For this matter we use qualitative method and analysis descriptive method, by describing and analyzing sharia financial foundation and conventional financial foundation system. both are same in money receiving technic, transfer mechanism, computer technology, and general terms to obtain the credit. Both sharia financial foundation and conventional financial foundation have more differences. The main different between them is in the profit gaining system obtain. Sharia bank applied profit sharing system which is oriented for blessed life here and the day after, in other case conventional bank applied interest system which is oriented for gaining profit as much as possible in this world. Moreover, sharia bank is watched by the sharia supervising council, in order to revive the pure sharia, not same as conventional bank.

scholarly journals PANDANGAN RIBA DAN BUNGA; PERSPEKTIF LINTAS AGAMA DAN PERBEDAANNYA DENGAN SISTEM BAGI HASIL DALAM EKONOMI ISLAM

2019 ◽  
Vol 5 (1) ◽  
pp. 10
Author(s):  
Didi Suardi
Keyword(s):  
Analytical Methods ◽  
Theoretical Framework ◽  
Profit Sharing ◽  
Religious View ◽  
Economic Profit ◽  
The Difference ◽  
Islamic Economic ◽  
Bank System ◽  
Descriptive Method ◽  
Conventional Bank

[English] This study aims to find out about “Riba” based on a cross-religious view applied to the conventional bank interest system and profit sharing system in Islamic economics, knowing what theoretical framework is used in both systems and differences in the application between conventional bank interest systems and profit sharing systems according to Islamic economic principles. The method used in this study is an analytical descriptive method that discusses perspective across religions about “Riba” and comparative analytical methods to find out the differences conventional bank interest system with profit sharing in Islamic economics. The conclusion of this study the existence of conventional bank system interest has been criticized by various circle and religions, while the validity of profit sharing has nothing to criticize. The difference both of them is related to the agreement when the contract was made on a conventional bank system and an Islamic economic profit-sharing system. The percentage of interest in conventional bank system is based on the amount of money borrowed, while the percentage of profit in Islamic economics is based on the amount of profit to be obtained. [Indonesia] Penelitian ini bertujuan untuk mengetahui tentang "Riba" berdasarkan pandangan lintas agama yang diterapkan pada sistem bunga bank konvensional dan sistem bagi hasil dalam ekonomi Islam, mengetahui kerangka teori apa yang digunakan dalam kedua sistem dan perbedaan dalam aplikasi antara bunga bank konvensional. sistem dan sistem bagi hasil sesuai dengan prinsip ekonomi Islam. Metode yang digunakan dalam penelitian ini adalah metode deskriptif analitik yang membahas perspektif lintas agama tentang “Riba” dan metode analisis komparatif untuk mengetahui perbedaan sistem bunga bank konvensional dengan pembagian keuntungan dalam ekonomi Islam. Kesimpulan dari penelitian ini adalah adanya bunga sistem bank konvensional telah dikritik oleh berbagai kalangan dan agama, sedangkan validitas bagi hasil tidak ada yang perlu dikritik. Perbedaan keduanya terkait dengan perjanjian ketika kontrak dibuat pada sistem bank konvensional dan sistem bagi hasil ekonomi Islam. Persentase bunga dalam sistem bank konvensional didasarkan pada jumlah uang yang dipinjam, sedangkan persentase laba dalam ekonomi Islam didasarkan pada jumlah laba yang akan diperoleh.

scholarly journals EFEKTIFITAS MEKANISME TRANSMISI KEBIJAKAN MONETER GANDA DI INDONESIA

Media Ekonomi ◽  
2017 ◽  
Vol 20 (3) ◽  
pp. 23
Author(s):  
Anisa Noviasari
Keyword(s):  
Monetary Policy ◽  
Consumer Price Index ◽  
Banking System ◽  
Bank Lending ◽  
Profit Sharing ◽  
Transmission Mechanism ◽  
Islamic Banking ◽  
Islamic Bank ◽  
Monetary System ◽  
Conventional Bank

<p>Indonesia is a country that has dual banking system, conventional banking and Islamic banking. Bank Indonesia as the monetary authority, should conduct monetary policy in conventional and Islamic monetary policy to effectively influence the overall macroeconomic situation. This thesis aims to investigate transmission mechanism of dual monetary system from conventional and Islamic policy rates to inflation using VAR methods. The data used in this research is the Consumer Price Index, total loans conventional bank, total financing Islamic bank, conventional bank lending rates, Rate of Profit Sharing Islamic Banking interbank offered rate data conventional bank, interbank offered profit sharing data, Bank Indonesia Certificate rate convensional bank, Bank Indonesia Certificate profit sharing Islamic bank in Indonesia period 2005:01-2012:11. Results of analysis of this study suggest that the monetary policy to ‘reducing inflation’ with Islamic patterns more effectively than with conventional pattern. In a dual monetary system, an alternative approach to monetary policy can be conducted using a quantitative approach that is not contrary to conventional and Shariah.<br />Keyword: Monetary Transmission Mechanism, The Interest Rate Pass Throught, Conventional Banking, Islamic Banking.</p>

SEXUAL EUPHEMISM EXPRESSED IN POP AND HIP HOP LYRIC SONGS: A PRAGMATIC STUDY

2019 ◽  
Vol 3 (2) ◽  
pp. 109-122
Author(s):  
Cita Mustika Kusumah
Keyword(s):  
Sexual Activity ◽  
Hip Hop ◽  
Qualitative Method ◽  
Speech Act ◽  
Research Data ◽  
Body Parts ◽  
Taboo Words ◽  
Directive Speech ◽  
Descriptive Method ◽  
Sexual Body

This research aims to describe and give an overview of the use of sexual euphemism in pop and hip hop lyric songs to avoid taboo words which are usually unfreely to mention in public. The researcher uses qualitative method and descriptive method to analyze the data. The researcher uses forty songs consist of twenty pop songs and twenty hip hop songs to be analysed. From forty songs, the researcher finds ninety seven data. Researcher believes the data are found to contain sexual euphemism in the utterance that included in pragmatic study.Researcher describes and analyzes every single of data that are included the theory of Allan and Buridge (1991). From the research data, the researcher found that there is a differential usage of sexual euphemism in pop and hip hop which is sexual euphemism in sexual activity appears more frequently in pop songs and sexual euphemism in sexual body parts appears more frequently in hip hop songs. Both pop and hip hop songs use representative speech act more frequently than directive speech act. Euphemism was used in the lyrics to avoid words that are considered taboo in some communities.Keywords: speech act, sexual euphemismINTRODUCTIONIn

scholarly journals Penerapan Manajemen Risiko Kredit Pada Pembiayaan Syariah di Koperasi As Sakinah Sidoarjo

2018 ◽  
Vol 2 (1) ◽  
Author(s):  
Nur Laila
Keyword(s):  
Credit Risk ◽  
Qualitative Method ◽  
Secondary Data ◽  
Profit Sharing ◽  
Study Approach ◽  
Secondary Data Source ◽  
Data Source ◽  
Responsibility System

Credit risk is one of the most frequent risks in tough financing such as on financing using ijarah and murabahah contracts in Sharia financial institutions. The reason is due to mistakes in the analysis of financing applications and lack of cooperative readiness in managing and anticipating the possibility of risk exposure in the institution. In other hand, sharia cooperatives follow the principle of lost and profit sharing that requires a careful cooperative in managing their business in order to achieve the expected profit target.As Sakinah Cooperation Sidoarjo which has been operating for 19 years only experienced credit risk less than 1%. Therefore, this study is aimed to firstly understand and describe to what extent the implementation of risk management in sharia financing in As Sakinah Cooperation Sidoarjo is, and secondly, to understand and describe the credit risk settlement scheme that occurs in sharia financing in As Sakinah Cooperation Sidoarjo.This research used qualitative method, using a case study approach. Data are collected through interview technique at main source and documents and regulation of the cooperation as secondary data source. The data were analyzed through 3 (three) steps. They are data deduction, data display and conclusion and verification.The results show that the role of the group and the joint responsibility system become the key in reducing credit risk Keywords: management, risk, credit, Ijarah, Murabahah.

scholarly journals PENGARUH PERSEPSI MASYARAKAT BATAM TENTANG BANK SYARIAH TERHADAP MINAT MENGGUNAKAN PRODUK BANK SYARIAH

2018 ◽  
Vol 1 (2) ◽  
pp. 209-218
Author(s):  
Imran Imran ◽  
Bambang Hendrawan
Keyword(s):  
Data Analysis ◽  
Sampling Method ◽  
Field Survey ◽  
Banking System ◽  
Multiple Linear Regression Model ◽  
Profit Sharing ◽  
Product Knowledge ◽  
Analysis Method ◽  
Data Collection Technique ◽  
System Characteristics

This research examines the influence of society’s perception about sharia bank toward intends to use sharia bank products. The data collection technique was a field survey that using questionnaire to the sample respondents. Sampling method used is accidental sampling method with 100 selected people by accidently. The data analysis method uses multiple linear regression model. The result of this research indicate that people perception about bank sharia in banking system with interest, profit sharing system characteristics and sharia product knowledge, simultaneously have positive significant effect toward intends to use sharia product. Partially, only perception from knowledge of product variable has no influence toward society intends to Sharia bank products. Its means the better understanding about the no-interest banking system and also about profit sharing system as a basis for sharia bank practices, will increase society’s intends to use sharia products. Meanwhile, there is no effect for society perception whether they have a better or less knowledge of sharia bank products

scholarly journals Implementasi Peraturan Gubernur Jawa Timur No. 27 Tahun 2016 Tentang Tarif Angkutan Penumpang pada Dinas Perhubungan Propinsi Jawa Timur

2021 ◽  
Vol 10 (1) ◽  
pp. 1-14
Author(s):  
Ignatius Adiwidjaja
Keyword(s):  
Government Policy ◽  
Public Transportation ◽  
Qualitative Method ◽  
Provincial Government ◽  
The Subject ◽  
The Government ◽  
Structure And Activity ◽  
Method Approach ◽  
Descriptive Method ◽  
Very High

Transportasi dan angkutan umum merupakan suatu persoalan yang selalu dihadapi oleh pemerintah di berbagai daerah di tanah air ini, terutama daerah yang memiliki suasana kota yang yang ramai karena  padatnya penduduk serta tingginya intensitas masyarakatnya diikuti dengan tidak sesuainya jumlah moda transportasi umum serta belum seimbangnya luas ruas jalan antar kota dalam propinsi yang  mempunyai struktur serta aktifitas penduduk sudah tergolong sagat tinggi. Regulasi kebijakan pemerintah propinsi Jawa Timur yang tertuang dalam Peraturan Gubernur Jawa Timur No. 27 Tahun 2016. Dinas perhubungan sebagai implementor, melakukan sosialisasi kepada masyarakat, serta menyediakan sarana sebagai pendukung dalam system transportasi di Jawa Timur. Dalam penelitian ini kami menggunakan metode kualitatif yang menghasilkan gambaran (deskripsi) mengenai hal-hal yang berkaitan dengan apa yang diteliti. Kualitatif sendiri merupakan wujud kata-kata dari pada deretan angka-angka. Pendekatan metode deskriptif dapat diartikan sebagai pemecahan masalah dengan menggambarkan atau melukiskan keadaan subjek atau objek penelitian, baik perilaku individu, kelompok masyarakat, lembaga-lembaga dan lain-lain sebagainya.Kata kunci : Implementasi, Pelayanan PublikABSTRACT. Public transportation and transportation is a problem that is always faced by the government in various regions in this country, especially areas that have a bustling city atmosphere due to overcrowding and high intensity of the community followed by mismatching the number of modes of public transportation and the imbalance of the size of roads inter-city in the province which has a structure and activity of the population is already classified as very high. East Java provincial government policy regulations contained in East Java Governor Regulation No. 27 of 2016. Transportation Agency as an implementor, conducts socialization to the community, and provides facilities as a support in the transportation system in East Java. In this study we used a qualitative method that produced a description (description) of matters relating to what was studied. Qualitative itself is a form of words rather than a row of numbers. Descriptive method approach can be interpreted as problem solving by describing or describing the state of the subject or object of research, both the behavior of individuals, community groups, institutions and so forth.Keywords: Implementation, Public Services

scholarly journals Sustainable Site : Kenyamanan Spasial Pada Ruang Terbuka Publik Kampus Itenas Bandung

2018 ◽  
Vol 2 (2) ◽  
Author(s):  
Dwi Kustianingrum ◽  
Eka Virdianti ◽  
Dian Duhita Permata
Keyword(s):  
Public Space ◽  
Qualitative Method ◽  
Open Space ◽  
Data Retrieval ◽  
Academic Community ◽  
Activity Space ◽  
Research Approach ◽  
Public Open Space ◽  
Time Period ◽  
Descriptive Method

ABSTRAKRuang terbuka publik di kawasan kampus itenas terbentuk dari pola tatanan massa yang dapat bersifat katalisator bagi perkembangan interaksi dan komunitas civitas akademika.. Interaksi antar civitas akademika dapat terjadi karena kenyamanan beraktifitas. Ruang yang responsif terhadap aktifitas memiliki kriteria, salah satunya dalam kenyamanan spatial. Penelitian ini bertujuan untuk mengidentifikasi kenyamanan spatial di ruang terbuka publik itenas. Pendekatan penelitian menggunakan metoda kualitatif dengan pengambilan data melalui observasi, kuesioner dan dokumentasi di periode waktu tertentu. Metoda analisis menggunakan metoda deskriptif. Hasil penelitian teridentifikasi hanya beberapa tempat yang menjadi titik kumpul mahasiswa dengan kenyamanan spatial tercapai dengan alasan tempat tersebut masuk kategori area teduh dan nyaman. Walaupun dari sisi elemen publik space di beberapa tempat belum terlengkapi namun mahasiswa dapat menggunakan elemen lain untuk mendukung aktifitasnya.Kata kunci: Sustainable Site, ruang terbuka publik kampus, kenyamanan spasial, Itenas.ABSTRACTPublic open space in the campus area is formed from the pattern of building order that can be a catalyst for the development of interaction and community academic community. Interaction among academic community can occur because of the convenience of activity. Space that is responsive to activity has criteria, one of which is in spatial comfort. This study aims to identify the spatial comfort in public space itenas. The research approach uses qualitative method with data retrieval through observation, questionnaire and documentation in certain time period. The method of analysis using descriptive method. The results of the study identified only a few places that became a student gathering point with the spatial comfort is achieved by reason of the place into the category of shady areas and comfortable. Although in terms of elements of public space in some places have not been completed but students can use other elements to support theirs activities.Keywords: Sustainable Site, Public open space in campus, spatial comfort, Itenas.

scholarly journals Information and Computer Technology (ICT) in Indian Banking System after Computerization

2020 ◽  
Vol 8 (4S) ◽  
pp. 62-64
Keyword(s):  
Growth Rate ◽  
Computer Technology ◽  
Banking Sector ◽  
Banking System ◽  
Maximum Growth ◽  
Maximum Growth Rate ◽  
Great Change ◽  
Maximum Profit ◽  
Information And Computer Technology ◽  
Economy System

In Indian economy system, banking sector has an important role and after computerization, there is a great change came in it. In India, Now there are a lot of branches of banks. At present, banking sectors face a tough competition. Maximum growth rate are shown by those banks which have maximum profit. By the use of various technologies, banks cost may become minimum and profit may become maximum. In this manuscript, the effect has been studied on the banks after computerization. The effects are analyzed after use of information and computer technology in Indian banking systems after computerization. The selected banks for this study are SBI, PNB and UBI.

scholarly journals PENGARUH PRINSIP BAGI HASIL DAN BUNGA, DAN REPUTASI BANK TERHADAP KEPUTUSAN NASABAH DALAM MEMILIH JASA PERBANKAN: BANK SYARIAH DAN BANK KONVENSIONAL DI KOTA JAMBI

2019 ◽  
Vol 2 (2) ◽  
pp. 38-46
Author(s):  
Eka Julianti Efris Saputri
Keyword(s):  
Discriminant Analysis ◽  
Sample Selection ◽  
Sampling Technique ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Banking Services ◽  
Islamic Bank ◽  
Conventional Banks ◽  
Conventional Bank

This study  was intended  to  examine the effect of  profit  sharing  principle and  interest,  and  bank reputation  against  customer  decision  in  choosing  banking  services,  that  is  between  islamic  bank  and conventional  bank in Jambi  City.  Data in this study  is primary data by using  questionnaire. The sample selection  in  this research  used  nonprobability sampling  technique  with  acidental  sampling technique. The sample obtained in this study were customer of islamic bank and customer of conventional bank in Jambi City. The  analysis  method  used  was  discriminant  analysis  using  IBM  SPSS  Statistic  22.  The  results  of  the discriminant analysis prove that in choosing banking services in Jambi City between islamic banks and conventional banks, customers do not see from the principle of profit sharing and interest, and bank reputation.

Does the deposit structure affect Islamic bank’s maturity transformation activities? The implications of IFSB liquidity guidelines

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Wassim Ben Ayed ◽  
Rim Ammar Lamouchi ◽  
Suha M. Alawi
Keyword(s):  
Risk Management ◽  
Positive Impact ◽  
Generalized Method Of Moments ◽  
Banking System ◽  
Liquidity Risk ◽  
Profit Sharing ◽  
Arab Countries ◽  
Mena Region ◽  
Content Type ◽  
Deposit Structure

Purpose The purpose of this study is to investigate factors influencing the net stable funding ratio (NSFR) in the Islamic banking system. More specifically, the authors analyze the impact of the deposit structure on the liquidity ratio using the two-step generalized method of moments approach during the 2000–2014 period. Design/methodology/approach Based on IFSB-12 and the GN-6, the authors calculated the NSFR for 35 Islamic banks operating in the Middle East and North Africa (MENA) region. Findings The findings of this study show the following: first, ratio of profit-sharing investment accounts have a positive impact on the NSFR, while ratio of non profit-sharing investment accounts increase the maturity transformation risk; second, the results highlight that asset risk, bank capital and the business cycle have a positive impact on the liquidity ratio, while the returns on assets, bank size and market concentration have a negative impact; and third, these results support the IFSB’s efforts in developing guidelines for modifying the NSFR to enhance the liquidity risk management of institutions offering Islamic financial services. Research limitations/implications The most prominent limitation of this research is the availability of data. Practical implications These results will be useful for authorities and policy makers seeking to clarify the implications of adopting the liquidity requirement for banking behavior. Originality/value This study contributes to the knowledge in this area by improving our understanding of liquidity risk management during liquidity stress periods. It analyzes the modified NSFR that was adopted by the IFSB. Besides, this study fills a gap in the literature. Previous studies have used the conventional ratios to determinate the main factors of the maturity transformation risk in a full-fledged Islamic bank based on an early version of NSFR. Finally, most studies focus on the NSFR as proposed by the Basel Committee, whereas the authors investigate the case of the dual-banking system in the emerging economies of seven Arab countries in the MENA region.

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