scholarly journals Gadai dan Investasi Emas: Antara Konsep dan Implementasi

2021 ◽  
Vol 6 (1) ◽  
pp. 78-94
Author(s):  
Nanda Safarida
Keyword(s):  
Secondary Data ◽  
The Other ◽  
Analytic Method ◽  
Real Sector ◽  
Islamic Banks ◽  
Fast Process ◽  
Short Term ◽  
Mutual Assistance ◽  
The Public ◽  
Services Implementation

Pawn services, particularly Islamic pawn services in gold (rahn) is one of Islamic banks product that distributes short term financing to consumers without repayment (qardh) in order to mutual assistance principle (tabarru’). Gold pawning services could be an alternative for consumers to get easy money and have a fast process in sharia way. Yet this gold pawning services turn to be speculative investment in practice that contrast with sharia principle and the same time it raises quention on how strong the commitment of all stakeholders to pursue the sharia principle. This study aims to analyze the concept and various problems indication in gold pawning services implementation. Descriptive analytic method is applied to analyze secondary data related to its problems. The result of the study indicate that to ensure the practice of pawning gold does not become speculative motive, it’s necessary to have a clear and binding regulations on how the pawning practice should be carried out. These regulations must also be followed by strict sanctions. In addition, ensuring the gold pawn financing is channeled to the real sector will help prevent the emergence of speculators. On the other hand, the public as customer should be aware of risks on combining product of gold pawn financing and gold investment because big profits in any investment are always followed by high risks.  Finally, Participated and strong commitment of all stakeholders are the comprehensive answer in order to pursue maqasid sharia.

RESIKO LIKUIDITAS BANK SYARIAH DI INDONESIA

El Dinar ◽  
2015 ◽  
Vol 2 (1) ◽  
Author(s):  
Esy Nur Aisyah ◽  
Putri Kurnia Widiati
Keyword(s):  
Banking Industry ◽  
Important Determinant ◽  
Liquidity Risk ◽  
The Other ◽  
Islamic Banks ◽  
Short Term ◽  
Explanatory Variables ◽  
The Public ◽  
The Poor ◽  
Public Money

<p><em>Abstract</em></p> <p><em>The banking industry is an industry that is vulnerable to the risk, as it involves the management of the public money that is temporary in the sense that it can be withdrawn at any time to be played back in the form of a variety of investments  such as the purchase of securities and fund placement. One of the bank's risk is liquidity risk which is the risk caused by the poor level of bank liquidity. Liquidity risk (liquidity risk) is the risk arising from the bank unable to meet short-term obligations in the community when needed, which is caused by the shortage of bank liquidity. Therefore, this study aimed to examine the determinants of the level of liquidity risk of Islamic banks in Indonesia for a period of four years from 2010 through 2013. Results showed that age, leverage, size and profitability is an important determinant of Indonesian Islamic banks liquidity risk. On the other hand, the research also found that the explanatory variables tangibility is not a strong explanatory variables to determine the liquidity risk of Islamic banks in Indonesia.</em></p>

Hidden “holes” in the capital of banks and the supply of credit to the real sector of economy

2018 ◽  
pp. 49-68 ◽  
Author(s):  
M. E. Mamonov
Keyword(s):  
Credit Risk ◽  
The Other ◽  
Real Sector ◽  
Capital Management ◽  
Loan Loss ◽  
Short Term ◽  
The Real ◽  
Ex Post ◽  
The One

Our analysis documents that the existence of hidden “holes” in the capital of not yet failed banks - while creating intertemporal pressure on the actual level of capital - leads to changing of maturity of loans supplied rather than to contracting of their volume. Long-term loans decrease, whereas short-term loans rise - and, what is most remarkably, by approximately the same amounts. Standardly, the higher the maturity of loans the higher the credit risk and, thus, the more loan loss reserves (LLP) banks are forced to create, increasing the pressure on capital. Banks that already hide “holes” in the capital, but have not yet faced with license withdrawal, must possess strong incentives to shorten the maturity of supplied loans. On the one hand, it raises the turnovers of LLP and facilitates the flexibility of capital management; on the other hand, it allows increasing the speed of shifting of attracted deposits to loans to related parties in domestic or foreign jurisdictions. This enlarges the potential size of ex post revealed “hole” in the capital and, therefore, allows us to assume that not every loan might be viewed as a good for the economy: excessive short-term and insufficient long-term loans can produce the source for future losses.

scholarly journals Problem Faced by The Public Due to The Improper Waste Disposal and Behaviour of Waste Disposal

2020 ◽  
Vol 7 (2) ◽  
pp. 70-77
Author(s):  
R. Geetha ◽  
S. Rajalakshmi
Keyword(s):  
Waste Management ◽  
Solid Waste ◽  
Waste Disposal ◽  
Management Practices ◽  
Solid Waste Management ◽  
Secondary Data ◽  
The Other ◽  
The Public ◽  
Human Wellbeing ◽  
Waste Management Practices

The solid waste management is not only necessary for maintaining the hygienic environment but in reducing the probable health hazards. The current study deals with the problems faced by the public due to improper waste management and the behaviour in waste disposal. The data used in our study is both primary and the secondary data. Waste cannot be simply thrown away anymore, now it must be managed. Many materials thrown away could be saved by simple things like reusing glass, the municipal landfill could be reduced by almost 10 percent and there are still many advantages to waste management. Today, more people are in favour of companies who invest in “green products”. As a result, companies have removed phosphates, bleaches, and have made their paper products out of recycled papers. The objective of writing this paper is to study the current practices related to the various waste management initiatives taken in India for human wellbeing. The other purpose is to provide some suggestions and recommendations to improve the waste management practices in Indian towns. Int. J. Soc. Sc. Manage. Vol. 7, Issue-2: 70-77  

scholarly journals Macro Variable Effect Analysis and Non-Performing Financing (NPF) Against the Return On Asset (ROA) Islamic Banks In Indonesia Year 2008-2017

2020 ◽  
Vol 3 (1) ◽  
pp. 32-47
Author(s):  
Fikri Ainul Qolbi ◽  
Dwi Pratika Karisma ◽  
Imron Rosyadi
Keyword(s):  
Interest Rates ◽  
Secondary Data ◽  
Islamic Banks ◽  
Analysis Model ◽  
Short Term ◽  
Return On Assets ◽  
Effect Analysis ◽  
Variable Effect ◽  
Macro Variables

Islamic Banks is a business entity that raises and distributes funds from the community and for the community. The study was conducted to analyze the macro variables and NPF (Non-Performing Finance) to ROA (Return on Assets) to determine the relationship between short-term and long-term between variables. The analysis model used is the Eagle Granger ECM Stage Two test that uses secondary data from the serial data (time series). The results of this study indicate that NPF simultaneously, GDP, and interest rates affect the ROA. Partially GDP positive and significant effects in the long term and short term, NPF positive and significant effect in the long term, interest rate, and no significant positive effect on ROA.

scholarly journals Analisis Penentuan Lokasi Pengembangan Kawasan Pemakaman Umum di Kota Banjarbaru Kalimantan Selatan

2021 ◽  
Vol 5 (1) ◽  
pp. 1-14
Author(s):  
Wiyoga Triharto
Keyword(s):  
Secondary Data ◽  
Land Suitability ◽  
The Other ◽  
Suitability Analysis ◽  
City Development ◽  
The Public ◽  
Location Determination ◽  
New Locations ◽  
The City ◽  
New Location

The need for burial land in the City of Banjarbaru is increasing along with the population growth every year. On the other hand, the availability of land for public cemeteries that does not increase is a problem. The way to overcome this problem is to develop a cemetery in a suitable new location. In achieving the objectives, the authors first collect and summarize primary and secondary data and conduct a literature review and applicable laws and regulations, followed by collecting data on the physical condition / environmental baseline. Second, determine the location of the public cemetery based on the land suitability score. The analysis on this target uses land suitability analysis using GIS. Third, analysis of population and mortality predictions. The analysis uses an analysis of the number of occupations and the size of the area. From the analysis, it is known that several new locations for burial development are still possible. Namely located in Sungai Tiung Village and Cempaka Village, Cempaka District and Gantung Manggis Village and East Landasan Ulin Village, Landasan Ulin District.   Keywords : Banjarbaru City, Development of Public Cemeteries, Location Determination Analysis min.

PENGARUH JUMLAH DANA PIHAK KETIGA (DPK) NON PERFOMING FINANCING (NPF) DAN SERTIFIKAT BANK INDONESIA SYARI’AH (SBIS) TERHADAP PENYALURAN PEMBIAYAAN PERBANKAN SYARI’AH DI INDONESIA

2019 ◽  
Vol 2 (2) ◽  
pp. 1-21
Author(s):  
Arif Rijal Anshori
Keyword(s):  
Statistical Tests ◽  
Secondary Data ◽  
Third Party ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Normality Test ◽  
Source Data ◽  
Scientific Truth

Banking is a very important part in the economy, one of them as intermediary institutions whose duty to collect funds from the public and then channel them back in the form of financing.This study aims to determine the effect Number of DPK, NPF and SBIS partially to finance portfolio of Islamic banking in Indonesia, and to determine the effect Number of DPK, NPF and SBIS simultaneously to the finance portfolio of Islamic banking in Indonesia.This study proceed from the assumption that (1) the size distribution of the funds offered by Islamic banks is very influenced by the size DPK means that the higher the number of third-party funds collected, the higher also finance portfolio, (2) the higher non-performing financing the worse the quality of banking assets, (3) the higher the bonus level set SBIS Indonesian bank will lower the financing undertaken by the banking Shari'ah. But based on data from Islamic banking statistics from the years 2008-2014 there is a gap between theory and facts on the ground. These assumptions are tested empirically so that the truth can be scientifically recognized. When there is a justification or rejection of these assumptions, then this is a scientific truth that can be considered Islamic banking in Indonesia.Quantitative research methods in this study using research formats explanation, source data used in this research is secondary data, then the type of data used in this research is quantitative data time series, the quarterly data of financing, deposits, NPF and SBIS Islamic banking in Indonesia from 2008 to 2014. Data were then processed by means of statistical analysis using Eviews 7, which comprises the classical assumption of them: normality test, heteroscedasticity, multicollinearity test, autocorrelation test. statistical tests include: regression, t test, F test and R2.The conclusion that can be drawn from this study that partially, DPK variable is positive and significant effect on the financing, NPF variable is negative but not significant effect on the financing, while SBIS is negative and significant effect on the financing. Then simultaneously the number of DPK, NPF and SBIS significant effect on the distribution of funding. Those variables could explain freely by 99.45% and the remaining 0.55% can be explained by other variables not examined.

scholarly journals MENGUJI KEWENANGAN DEWAN PENGAWAS KOMISI PEMBERANTASAN KORUPSI DALAM PEMBERIAN IZIN PENGGELEDAHAN SEBAGAI TINDAKAN MERINTANGI PROSES PENYIDIKAN (OBSTRUCTION OF JUSTICE)

Esensi Hukum ◽  
2020 ◽  
Vol 2 (2) ◽  
pp. 48-63
Author(s):  
Arman Tjoneng ◽  
Christin Septina Basani ◽  
Novalita Sidabutar
Keyword(s):  
Research Method ◽  
Supervisory Board ◽  
Secondary Data ◽  
Criminal Code ◽  
The Other ◽  
Primary Data ◽  
Literature Study ◽  
Legal Research ◽  
The Public ◽  
The Government

Abstract The Corruption Eradication Commission (KPK) has become a super institution with extraordinary restraint. With the new Corruption Eradication Commission Law, some people think that the KPK has been weakened, which has been an institution loved by the public, even though the government denies that the new KPK Law has not weakened the KPK at all. One of the new things is the formation of the KPK Supervisory Body, one of which has the authority to grant permission to the KPK to conduct searches, which in fact has an impact on the problems at hand. The method used is a normative legal research method. The approach used is a statutory approach. The data used are secondary data obtained by literature study and primary data obtained by conducting interviews with related party respondents. There has been a shift in the meaning of Barriers to Justice as stated in Article 221 of the Criminal Code with Article 221 of the Corruption Eradication Law where Article 221 of the Criminal Code views Obstruction of Justice as a material offense while for Article 21 of the Corruption Eradication Law, Judicial Obstruction is seen as a formal offense. On the other hand, the actions of the Supervisory Board in granting licenses for searches, confiscation, etc. are not automatically considered a disturbance of justice unless it can be proven that the elements of wrongdoing committed by the Supervisory Board can be proven.   Keywords : Corruption, Authority, Obstruction Of Justice.   ABSTRAK Komisi Pemberantasan Korupsi (KPK) telah menjadi lembaga super dengan pengekangan yang luar biasa. Dengan adanya Undang-Undang KPK yang baru, sebagian orang menilai telah terjadi pelemahan KPK yang selama ini menjadi institusi yang dicintai masyarakat, padahal pemerintah membantah bahwa Undang-Undang KPK yang baru sama sekali tidak melemahkan KPK. Salah satu hal baru yaitu adalah pembentukan Badan Pengawas KPK yang salah satunya memiliki kewenangan untuk memberikan izin kepada KPK untuk melakukan penggeledahan, yang ternyata berdampak pada permasalahan yang sedang dihadapi. Metode yang digunakan adalah metode penelitian hukum normatif. Pendekatan yang digunakan adalah pendekatan statutori. Data yang digunakan adalah data sekunder yang diperoleh dengan studi pustaka dan data primer diperoleh dengan melakukan wawancara dengan responden pihak terkait. Telah terjadi pergeseran makna Hambatan Keadilan sebagaimana tertuang dalam Pasal 221 KUHP dengan Pasal 221 Undang-Undang Pemberantasan Korupsi dimana Pasal 221 KUHP memandang Obstruksi Keadilan sebagai delik material sedangkan untuk Pasal 21 Undang-Undang Pemberantasan Korupsi, Obstruksi Peradilan dipandang sebagai delik formal. Di sisi lain, tindakan Dewan Pengawas dalam pemberian izin penggeledahan, penyitaan, dan lain-lain tidak serta merta dianggap sebagai gangguan keadilan kecuali dapat dibuktikan bahwa unsur-unsur perbuatan salah yang dilakukan Dewan Pengawas dapat dibuktikan. Kata Kunci: Korupsi, Otoritas, Obstruksi Keadilan.

scholarly journals KONSEP RIBA DALAM AL-QUR’AN

2016 ◽  
Vol 7 (1) ◽  
pp. 1
Author(s):  
Abdul Ghofur
Keyword(s):  
Economic Growth ◽  
Financial Institutions ◽  
The Other ◽  
Real Sector ◽  
Economic Activities ◽  
The Real ◽  
The Public ◽  
World Community ◽  
Major Disadvantage ◽  
Money Manager

Riba is an economic activity that is prohibited by the Qur’an. Chronologically, the ban has been outlined clearly. On the other hand, bank interest that become one pillar of the existence of financial institutions is rated synonymous with usury. Financial institutions have become a pillar of economic growth. The problem is why the Qur’an forbids usury, whereas various economic activities ‘need’ the existence of interest that are identical to the usury. This study found two findings. First, the prohibition of riba in the Qur’an have preceded other forms of restrictions are more morally intolerable that broadly impacts a major disadvantage in the community. On the other side of the Qur’an strongly encourages the public Makkah to help the poor and orphans around him. Second, the prohibition of riba in the Qur’an has relevance to the real sector of the economy. Therefore, the economy based on usury will naturally ignore the underlying transaction which is the basis of the real sector. As a result of the investors (capitalists) certainly fortunate while the money manager/entrepreneur is still no clarity, so that the position is unbalanced, unjust. The usurious economic system can lead to gaps world community economic growth constantly.

scholarly journals The Contribution of Islamic Banks towards the Achievement of Sustainable Development Goals: The Case of Indonesia

2019 ◽  
Vol 65 (2) ◽  
pp. 93
Author(s):  
Nunung Ghoniyah ◽  
Sri Hartono
Keyword(s):  
Quality Control ◽  
Sustainable Development Goals ◽  
Secondary Data ◽  
Real Sector ◽  
Islamic Banks ◽  
Panel Data Regression ◽  
Standards Of Living ◽  
Data Regression ◽  
Financial Quality ◽  
Development Goals

This study aims to strengthen the opinion that the main goal of Islamic banks is not to obtain profit, but rather to improve the standards of living. In this study, the evidence is obtained by processing secondary data on Islamic banks in Indonesia during the period of 2011 to 2017 by using panel data regression model. The results of the data analysis support the hypothesis that banks whose goals are aimed at falah will demand lower payment obligations from customers, allowing the customers to manage funds in the real sector. The implication is also strengthened by good financial quality control, namely low non-performing financing value. Another form of support provided by Islamic banks, namely a more equitable cooperation contract, can also reflect Falah in every policy of Islamic banks.

scholarly journals The Potential of Waqf for Maintenance and Management of Stratified Properties in Malaysia

2017 ◽  
Vol 25 (2) ◽  
pp. 229-256
Author(s):  
Nor Asiah Mohamad ◽  
Azlinor Sufian ◽  
Sharifah Zubaidah Syed Abdul Kader
Keyword(s):  
Financial Management ◽  
Third Sector ◽  
Secondary Data ◽  
Financial Security ◽  
Short Term ◽  
Human Relationships ◽  
The Public ◽  
The Third ◽  
Term Maintenance

This article explores the possibility of implementing the concept of waqf within the financial management of a strata scheme for the purpose of covering the costs to maintain and manage common properties. High prices of land and the lack of strategic locations for housing has influenced developers to opt for stratified development. The challenge, most of the time, pertains to the maintenance of common areas, which requires substantial funds and professionalism, as well as skills in developing social and human relationships, despite the continual increase in the costs of management. Using doctrinal analysis of primary and secondary data, as well as comparative analysis with strata regulations in Australia, the study concludes that cash waqf can play a role as a potential vehicle to raise funds to maintain and manage common properties in strata schemes. The concept of waqf, where a certain category of properties is released from the ownership of man permanently while its benefits are dedicated to be used for the betterment of the public (ummah), is now regarded as a catalyst for the third sector economy. While religious reward may motivate Muslim owners or tenants to contribute to the waqf fund, other benefits offered such as financial security, sustainability, accountability and transparency would invite contribution and build trust from both, Muslims and non-Muslims. With adequate awareness, initiatives, and effective marketing of waqf products, the waqf concept would be able to provide a sustainable source of funds to cater to short term and long term maintenance plans for strata schemes.

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