scholarly journals ANALISIS PENGETAHUAN MASYARAKAT NON MUSLIM TERHADAP PERBANKAN SYARIAH DI KABUPATEN SERANG DAN KOTA SERANG

2021 ◽  
Vol 4 (2) ◽  
pp. 163-177
Author(s):  
Khristina Sri Prihatin ◽  
Uun Fiana
Keyword(s):  
Revenue Sharing ◽  
Islamic Banking ◽  
Knowing How ◽  
Muslim Communities ◽  
The City

This study aims to determine how the condition of knowledge / understanding of Non Muslim Communities of Islamic Banking in the District of Serang and the City of Serang.This research uses which are conducted by using questionnaires to 100 people (samples) Non Muslim who are spread in Serang Regency and Serang City. Of the 100 questionaires of 5 groups of Non Muslim Religions, Namely : Protestanstism, Katholicism, Hinduism, Buddhism And Confucianism.The results of this study indicate that the Non Muslim Community’s knowledge of Islamic Banking is still very limited, most respondents only know the location of the spread of Islamic Banking in their area and only know the term revenue sharing without knowing how the system works in Islamic Banking. Knowledge of the characteristics of banking is still limited to knowing the term but does not yet know of any promotions carried out by Islamic Banking directly. Knowledge of non-Muslim communities has an effect between variables X1 and X2 together on Y1 of 70.4% while the influence of variables X1 and X2 together on Y2 is 80.6% and the value of F arithmetic > F table is 90, 20 > 3.09 and 47.92 > 3.09 then the hypothesis of both effects is accepted.  

scholarly journals PENGARUH DANA BAGI HASIL DAN INFRASTRUKTUR TERHADAP PERTUMBUHAN EKONOMI KOTA MANADO

2019 ◽  
Vol 19 (10) ◽  
Author(s):  
Franklien Senduk ◽  
Daisy S.M. Engka ◽  
George M.V. Kawung
Keyword(s):  
Economic Growth ◽  
Sustainable Development ◽  
Financial Management ◽  
Local Governments ◽  
Revenue Sharing ◽  
Regional Government ◽  
Development Programs ◽  
Regional Finance ◽  
Development Paradigm ◽  
The City

ABSTRAK Keuangan Daerah adalah semua hak dan kewajiban Daerah yang dapat dinilai dengan uang serta segala sesuatu berupa uang dan barang yang berhubungan dengan pelaksanaan hak dan kewajiban Daerah. Semangat desentralisasi yang melimpahkan kewenangan pengelolaan keuangan kepada pemerintah daerah,  khususnya tingkat kota atau kabupaten membuat daerah mencari cara mendapatkan pendapatan daerah yang sah untuk mendukung program pembangunan dalam bentuk Infrastruktur untuk meningkatkan kesejahteraan masyarakat, di tengah gencarnya program pembangunan perekonomian di berbagai sektor, sehingga berimplikasi kepada pembangunan yang berkelanjutan dan berdampak luas pada penambahan pendapatan masyarakat sehingga pertumbuhan ekonomi meningkat secara positif . Perangkat Daerah yang terkait di dalam proses penerimaan daerah di pacu untuk meningkatkan peluang penerimaan daerah dari semua sektor pendapatan daerah. dengan paradigma pembangunan berkelanjutan (sustainable development) yang harus diimplementasikan oleh pemerintah daerah. Fakta empiris (empirical evidents) menunjukkan penerapan otonomi  daerah  memberi keleluasaan kepada daerah untuk  mendapatkan sumber sumber pendapatan yang sah seperti pajak dalam bentuk Dana Bagi Hasil baik dari Pemerintah Pusat maupun Pemerintah Provinsi dan retribusi daerah dengan luasnya kewenangan pemerintah daerah. Kata kunci : Dana Bagi Hasil, Infrastruktur dan Pertumbuhan Ekonomi                                                                       ABSTRACT                                                               Regional Finance is all Regional rights and obligations that can be valued with money and everything in the form of money and goods related to the implementation of the rights and obligations of the Region. The spirit of decentralization that delegated financial management authority to local governments, especially at the city or district level, made the regions look for ways to obtain legitimate regional revenues to support development programs in the form of infrastructure to improve community welfare amid the intense economic development programs in various sectors, thus implicating development sustainable and have a broad impact on increasing community income so that economic growth increases positively. Regional Apparatus that is related to the process of regional revenue is encouraged to increase the opportunities for regional revenues from all regional income sectors. with a sustainable development paradigm that must be implemented by the regional government. Empirical evidence shows the application of regional autonomy which gives freedom to the regions to obtain legitimate sources of income such as taxes in the form of Revenue Sharing Funds from both the Central and Provincial Governments and regional retributions with the broad authority of the regional government. Keywords: Revenue Sharing Funds, Infrastructure and Economic Growth

scholarly journals ??? ???? ??????? ??????? ?? ??????? ??????? ??? ??????? ????????? ?? ????????? ??????? ?? ??????: ????? ????? ?????? ?????

2016 ◽  
Vol 1 (2) ◽  
pp. 215
Author(s):  
Hatta Syamsuddin ◽  
Abdul Khaliq Hasan ◽  
Moh Muinudinillah
Keyword(s):  
Supervisory Board ◽  
Islamic Finance ◽  
Islamic Banking ◽  
Finance Industry ◽  
Islamic Jurisprudence ◽  
Banking Business ◽  
Rules And Principles ◽  
Muslim Communities ◽  
Financial Transactions

The emergence of Islamic banking was considered as a response to the desire of Muslim communities to disassociate from usury (riba-based) system. The development of time increasing the diversity of financial transactions, both in trading and banking business, which has no provisions in the old sources of Islamic jurisprudence. This dangerous phenomenon was the reason for the importance of a Sharia Supervisory Board to ensure all of the banking transactions comply with the rules and principles of sharia. This research focused on the role of National Sharia Board and his methodology in the fatwa. This research uses analytical descriptive methodology. The limitations of this research were about: how the National Sharia Board played their roles in Indonesia and how the method applied by the National Sharia Board in issuing a fatwa. The research found that: the National Sharia Board in Indonesia has played their roles, especially in developing Islamic finance industry, ensuring financial and banking transaction comply with the rules and principles of sharia, and providing awareness and guidance to the Muslim communities. The issuing of fatwa on financial transactions was the authority of the National Sharia Board. The National Sharia Board hold on procedures, specific steps, and certain agreed methodology in issuing the fatwa. Nevertheless, there still some fatwas that caused controversy in the Islamic community

Poetry and the Public in Aurangzeb’s Delhi

2020 ◽  
pp. 99-146
Author(s):  
Abhishek Kaicker
Keyword(s):  
Imperial Authority ◽  
The Public ◽  
Critical Response ◽  
The Law ◽  
Muslim Communities ◽  
The City ◽  
Public Criticism

In 1658, the emperor Aurangzeb began his long reign on the Mughal throne. This chapter shows how Aurangzeb’s vision of sovereignty diverged from that of his predecessors, in lessening the emphasis on the otherworldly gift of daulat and more on adherence with the law (sharīʿa). This process, which was accompanied by an increasing emphasis on Sunni piety at court and the broader development of a bureaucratic juridical infrastructure for the empire, was designed to subordinate the realm’s many Muslim communities into a unitary ‘Community of Muslims’ obedient to the emperor. But such interventions in Mughal society would also provoke a critical response, couched in the language of satire, and is apparent in the works of the poets Niʿmat Khan-i ʿAli and Mir Jaʿfar Zatalli, which are compared here. More broadly, this chapter argues, the forces of commercialization powered the circulation of the practices of satirical poetry between courtly assemblies and the wider world of the city, shaping an urban domain of public criticism that lay outside the control of imperial authority.

scholarly journals PERBANKAN SYARIAH DAN PERBANKAN BERDASARKAN BUNGA: MANAKAH YANG LEBIH OPTIMAL?

2007 ◽  
Vol 9 (2) ◽  
pp. 57-97 ◽  
Author(s):  
Tarsidin Tarsidin ◽  
Perry Warjiyo
Keyword(s):  
Revenue Sharing ◽  
Profit Sharing ◽  
Shareholder Wealth ◽  
Debt Financing ◽  
Islamic Banking ◽  
Optimization Approach ◽  
Islamic Banks ◽  
Equity Financing ◽  
Static Optimization ◽  
Conventional Bank

Unlike the conventional interest-base bank, the Islamic banks use both equity financing with profit sharing and debt-like financing with mark-up, ad at the funding side they use both investment scheme with revenue sharing and deposit scheme with rewards. The conventional bank use debt financing with interest and at the funding side use the deposit scheme with interest as well. The optimality of the two banking systems will be tested to determine which one is more optimal in terms of the wealth of the bank shareholder, the welfare of the entrepreneur, and the welfare of the depositors.Using a multiperiod static optimization approach, the results shows that in the interest-based banking is more optimal in terms of the shareholder wealth and the depositor’s welfare, while the Islamic banking is more optimal in terms of the entrepreneur welfare.Keywords : sistem perbankan, bank syariah, bunga, bagi hasil, mudharabah, wadi'ahJEL Classification : G21, P51

scholarly journals Profitabilitas Bank Syariah Ditinjau dari Pembiayaan dengan Prinsip Bagi Hasil dan Kategori Usaha

2019 ◽  
Vol 14 (1) ◽  
pp. 48-63
Author(s):  
Purwanto Purwanto
Keyword(s):  
Data Analysis ◽  
Commercial Banks ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Partial Least Square ◽  
Least Square ◽  
Quantitative Approach ◽  
Islamic Banking ◽  
Negative Coefficient ◽  
Business Units

As a business institution, the objectives of Islamic banking is profitability. The profit can be achieved if Islamic banking distributes financing both with the principle of buying and selling, profit sharing or services. The focus of the study was on financing with the principle of profit sharing (Mudharabah and Musyarakah). Profit sharing has been studied as a variable that can increase profitability, but there are no definite conclusions. Thus it is necessary to study whether the actual financing of profit sharing affects the level of profitability directly or through certain business categories. The type of research is causality research with a quantitative approach. The population is Sharia Commercial Banks and Sharia Business Units in the period of January 2016 to December 2018. The data analysis uses Partial Least Square (PLS). The results shows that financing with profit sharing principles is proven to directly have an influence on profitability but in a negative coefficient. This study also shows that the higher the profit sharing financing, the lower the level of profitability. However, when the revenue sharing is channeled through SMEs and non-SMEs, the results become positive and significant to profitability

scholarly journals Female Spaces in Ethnically and Religiously Mixed Shrines in the Western Balkans: Cases in Montenegro and Kosovo

2021 ◽  
Vol 4 ◽  
pp. 317-341
Author(s):  
Aleksandra Dugushina ◽  
Keyword(s):  
Well Being ◽  
Specific Role ◽  
Western Balkans ◽  
Sacred Sites ◽  
Muslim Communities ◽  
The Village ◽  
The City ◽  
Ritual Practices ◽  
Female Communities

This paper discusses female spaces and rituals in two sacred sites in the Albanian-Slavonic borderlands that are shared by Christian and Muslim communities. Based on fieldwork material, the article first gives an overview of the infrastructure, various functions and female interrelations of the ‘Ladies’ Beach’ in the city of Ulcinj, Montenegro, which brings together stable local and spontaneously emerging female communities from different ethnic and religious backgrounds. The second part explores an example of a mixed pilgrimage in the village of Letnica in Kosovo, paying special attention to female ritual practices related to fertility and childbirth as an integral context for the different scenarios in which the shrine is visited. By examining rituals experienced by women, the paper shows that female practices aimed at reproductive well-being play a specific role in inter-group contacts in shared shrines and have an impact on the process of sharing by different ethnic and confessional communities.

scholarly journals Pengaruh Kepercayaan Dan Promosi Terhadap Minat UMKM Mengambil Pembiayaan Perbankan Syariah Di Kota Langsa

2021 ◽  
Vol 9 (3) ◽  
pp. 352-366
Author(s):  
Zikriatul Ulya
Keyword(s):  
Data Analysis ◽  
Medium Size ◽  
Cluster Sampling ◽  
Islamic Banking ◽  
Test Results ◽  
The People ◽  
Independent Variable ◽  
Data Collection Technique ◽  
The City ◽  
Data Analysis Methods

The purpose of this research is to examine the effect of trust and promotion toward UMKM interest taking islamic banking financing in the city of Langsa.  The method used is the quantitative approach. This study uses probability sampling by cluster sampling. The sample used is a small and medium-size micro business in Langsa city of 100 respondents. The data-collection technique  a questionnaire by distributing to the small and medium-size microbusiness of Langsa city. Data analysis methods using linear regression, classic assumptions test, and hypothetical test (t and test f). Test t-test results have shown that each independent variable of trust and promotion is partially positive and significant. The results of research on the f show that there is a positive and significant impact together between the trust variables and the promotion of the interest of umkm, which is financing sharia banking in the city of Langsa. Based on the results of the study, it is based on coefficiency analysis, that 50,1 % of the disproportionate value of the people, should be satisfied by the two influential variables, trust and promotion. The remaining 49,9 % is described by other variables not included in the equation.

scholarly journals A Study on the Customer’s Acceptance Towards Islamic Banking Products Among Non-Muslim in Dual Banking System

2016 ◽  
Author(s):  
Juwairiah Mohamad ◽  
Muhammad Fakhirin Che Majid
Keyword(s):  
Banking System ◽  
The Self ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Positive Perception ◽  
Conventional Banks ◽  
Muslim Communities ◽  
The Relationship ◽  
Self Administered Questionnaire

Islamic banking products (IBP) are offered not only to the Muslim community, but also to communities of other religions who are free to choose products depending on their convenience. According to a report, the percentage of non-Muslim communities choosing IBP in Malaysia has been steadily increasing and is expected to continue to increase in future. The Dual Banking System is one of the initiatives that has been created in conventional banks as an extra facility for the communities to engage with IBP easily without going to Islamic Banks. This paper aims to study the factors that drive non-Muslim customers to accept IBP. Specifically, this paper examines the relationship between four factors: knowledge, understanding, perception and the level of awareness among non-Muslim customers regarding their acceptance on IBP in the Dual Banking System. About 140 non-Muslim IBP customers of the Dual Banking System around Changlun, Jitra and Alor Setar were selected based on convenience and were randomly picked as respondents of this study. Some data were also collected through interviews with the bank personnel and the bank’s customers besides the self-administered questionnaire survey. Employing the SPSS approach, the hypotheses of the study were tested. The findings showed that there are significance relationships between customer’s knowledge, understanding, positive perception, and the level of awareness perceived among non-Muslim customers and their acceptance of IBP.   Keywords: Islamic banking products; non-Muslim customers; acceptance.

scholarly journals APLIKASI MUDHARABAH DALAM PERBANKAN SYARIAH DI INDONESIA

2014 ◽  
Vol 4 (1) ◽  
pp. 13
Author(s):  
Sri Abidah Suryaningsih
Keyword(s):  
Public Services ◽  
Business Management ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Business Activity ◽  
Theory Analysis ◽  
Fund Manager

This theory analysis article aims to describe the meaning of mudharabah, explain about Sharia banks, and provide an overview on implementation of mudharabah in Islamic banking in Indonesia. Mudharabah takes place when there are investor (Shahibul mall), fund manager (mudharib), business activity, and profit sharing proportion (nisbah) agreement between investor and manager. Sharia banking should be performed based on some characteristics, specifically: usury (riba)-free, provides public services and realizes the socio-economic goals of Islam, universal, and applies profit and loss sharing. Moreover, mudharabah application in Islamic banking in Indonesia has the following characteristics: transactions must be intended to financing, business management is entrusted to mudhorib, and profits sharing system must be based on the principle of revenue sharing and proportion of profit sharing are subject to change during the term of the contract as agreed in the initial contract.

scholarly journals KAJIAN TEORITIK PERILAKU AKUNTAN BERBASIS STANDAR GOOD CORPORATE GOVERNANCE (GCG) DI PERBANKAN SYARIAH DI KOTA MALANG

2017 ◽  
Vol 7 (2) ◽  
pp. 1043
Author(s):  
Siti Zubaidah
Keyword(s):  
Corporate Governance ◽  
Sampling Technique ◽  
Scientific Field ◽  
Islamic Banking ◽  
Accounting Firm ◽  
Good Corporate Governance ◽  
Behavior Profile ◽  
The City ◽  
Descriptive Method

This study aims at long-term to analyze the behavior of accountants based on Good CorporateGovernance (GCG) standard in Sharia Banking. The specific target you want to achieve is to mapthe accountant’s behavior profile. The method used to achieve this goal is by using descriptiveanalysis. This study uses accountant respondents are all independent auditors who work atPublic Accounting Firm (KAP) located in the city of Malang. The sampling technique uses judgment sampling which is one of the purposive sampling. Judgment sampling is to select a samplebased on an assessment of some characteristics of sample members that are tailored to theintent of the researcher. Characteristics of this study sample is the auditor KAP in the city ofMalang who has had experience working as an auditor in Islamic banking at least 1 year. Datawere collected through questionnaire and analyzed by descriptive method which describe andexplain about behavior of accountant in syariah banking. The results of this study indicate theconcept or formulation of the accountant’s behavior in conducting audits and a set of usefulknowledge to enrich the scientific field of Islamic accounting (transparency), accountability,responsibility, professionalism and fairness.Keywords:Accountant behavior, GCG, sharia banking.

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