ANALISIS KINERJA ASURANSI SYARIAH MENGGUNAKAN PENDEKATAN MASLAHAH SCORECARD (Studi Kasus Pada PT. Asuransi Takaful Umum)

The purpose of this study was to decide the elements of performance at PT. General Takaful Insurance, to find out how to measure performance using the scorecard approach that is by measuring process performance and results performance, and interpreting in the form of conclusions. In this study, researchers tested apply maslahah at PT. General Takaful Insurance with a case study design. This research is a type of quantitative and qualitative research because it uses measurement data through formulas and if interpretative qualitative, and the data used are primary and secondary data. Data collection methods used are observation, interviews and documentation. The results showed that PT. General Takaful Insurance received a value of the performance benefit process of 0.7 which indicates that the company simply applied benefits in terms of process performance. And behave the benefit of PT. General Takaful Insurance got a value of 0.89 which shows that the company is quite good in providing benefits to stakeholders and shareholders. Keyword: Performance, Insurance, Scorecard Maslahah

Kinerja Saham BRI Syariah Dengan BRI Konvensional

Abstrak Penelitian ini bertujuan untuk mengetahui dan menganalisis perbandingan kinerja bank BRI dengan bank BRI Syariah tahun 2018-2019 triwulan 2-4. Populasi dalam penelitian ini adalah perusahaan perbankan yang listing di Bursa Efek Indonesia dengan sampel yang diambil yaitu bank BRI dan BRI Syariah. Pengambilan sampel menggunakan metode purposive sampling. Pengumpulan data penelitian ini menggunakan metode studi pustaka serta metode dokumentasi. Uji coba instrument dianalisi dengan menggunakan uji normatif. Teknik analisis data menggunakan analisis fundamental. Hasil penelitian menunjukkan bahwa Kinerja saham antara bank BRI dengan BRI Syariah yang diukur dengan rasio Earning Per Share, Price to Book Value, Return on Asset, dan Dept to Equity Ratio menunjukkan perbedaan yang signifikan. Secara keseluruhan kinerja saham BRI lebih unggul dibandingkan kinerja saham BRI Syariah.Kata Kunci: Kinerja, Saham, Saham BRI Syariah, Saham BRI Regular

Analisis Pengaruh Perdagangan Internasional terhadap GDP (Gross Domestic Product) Indonesia (Periode 2011-2016)

The purpose of this study were determine: (1) The short term effect of export and import of Indonesia years 2011-2016, (2) The most dominant variable which affect to GDP (Gross Domestic Product) of Indonesia years 2011-2016. The data were collection of this study is taken from BPS. Meanwhile, the data were collected throught documentation. Based on regrecy, it’s known that internasional trade affects negatively and significantly to the GDP (Gross Domestic Product) either long term or short term.

POLA REKRUTMEN DAN SELEKSI KARYAWAN PADA BMT

Rekrutmen dan seleksi merupakan aspek yan sangat penting dalam mendapatkan calon karyawan yang berkualitas bagi sebuah perusahaan. Dengan rekrutmen dan seleksi yang maka besar kemungkinan perusahaan untuk mendapatkan karyawan yang berkualitas. Penelitian ini bertujuan untuk melihat pola rekrutmen yang dilakukan oleh BMT. Penelitian ini menggunakan pendekatan kualitatif deskriptif. Objek yang dijadikan bahan rujukan adalah BMT At Taqwa Muhammadiyah. Pengumpulan data dilakukan dengan wawancara dan observasi. Hasil penelitian menunjukkan bahwa pola rekrutmen yang dilaksankan BMT At Taqwa menggunakan pola centralized / terpusat dalam merekrut karyawan. Sedangkan seleksi menggunakan pendekatan successive yakni dilakukan secara bertahap dari tes administrasi, tulis dan wawancara. Perlunya memasukkan tes psikologi dan kesehatan dalam tahapan tese sebagai upaya peningkatan kualitas calon karyawan. Kata Kunci : Rekrutmen, Seleksi, BMT

Pengaruh Edukasi Investasi, Persepsi Return dan Persepsi Risiko terhadap Minat Berinvestasi Saham Syariah

This study aims to understand and analyze the effect of investment education, return perception and risk perception on investment interests in Islamic stocks. The population in this study were participants of the Islamic Capital Market School at IAIN Kudus 2020 with a sample of 50 respondents. Samples were taken using the random sampling method, and based on the Slovin formula. The questionnaire method was used for data collection in this study. The instrument trials were analyzed using validity and reliability tests. Data analysis techniques using descriptive statistical analysis, and inferential analysis consisting of multiple linear regression test, the coefficient of determination test, F test and t test. The results showed that investment education and perception of return did not significantly influence investment interest in Islamic stocks. Meanwhile, risk perception has a significant effect on interest in investing in Islamic stocks. Investment education, return perception, and risk perception are only independent variables that influence the interest of sharia stock investment (only 23.6%). That means there are still many other independent variables that can affect the interest in investing in Islamic stocks.

ANALISIS KEBIJAKAN FISKAL EKSPANSIF PADA APBN DI INDONESIA PERSPEKTIF EKONOMI ISLAM

Indonesia in the State Budget (APBN) adopts an expansive economic policy system in its financing, which is that state expenditure will be greater than state revenue, one of the ways to fulfill expenditure needs will be covered by financing, one of which is through the issuance of Government Securities (SBN). Indonesia adheres to the SBN system which is owed to the people themselves. Communities can participate in developing the country through the purchase of ORI, Retail Sukuk and Retail Saving Bonds which are included in sound financing. In an Islamic perspective spending is allocated to the more productive sectors, allocated to fa'i and kharaj sections, public ownership, shadaqah or zakah sections. In addition, expenditures are intended for governors, government officials who are financed from the revenue budget, then the budget is intended to maintain the fairness of the costs of education, public utilities and infrastructure. State debt from an Islamic perspective, interest-free and loans allocated to the central bank without interest, the goal is because interest contains interest and does not prosper the public, because interest is fluctuating.

FAKTOR-FAKTOR YANG MEMPENGARUHI PEMBIAYAAN USAHA MIKRO KECIL DAN MENENGAH PADA BANK UMUM SYARIAH DAN UNIT USAHA SYARIAH DI PROVINSI JAWA BARAT

Mengingat pentingnya pembiayaan bagi UMKM dan peranan bank syariah dan unit usaha syariah terhadap penguatan sektor UMKM khususnya di Provinsi Jawa Barat maka perlu dikaji faktor-faktor yang berpengaruh terhadap pembiayaan UMKM pada bank syariah dan unit syariah di Provinsi Jawa Barat. Tujuan penelitian ini adalah menguji dan menganalisis pengaruh Dana Pihak Ketiga (DPK), Financing to Deposit Ratio (FDR) dan Non Performing Financing (NPF) terhadap pembiayaan UMKM pada Bank Umum Syariah (BUS) dan Unit Usaha Syariah (UUS) di Provinsi Jawa Barat. Data penelitian berupa data sekunder yang diperoleh dari situs resmi Bank Indonesia dan Otoritas Jasa Keuangan. Data tersebut dianalisis menggunakan analisis regresi linear berganda. Sebelum data dianalisis lebih lanjut, dilakukan beberapa pengujian asumsi klasik yang meliputi uji normalitas, uji multikolinearitas, uji heteroskedastisitas dan uji autokorelasi. Berdasarkan pengujian hipotesis maka disimpulkan bahwa DPK tidak berpengaruh terhadap pembiayaan UMKM, FDR berpengaruh positif terhadap pembiayaan UMKM dan NPF tidak berpengaruh terhadap pembiayaan UMKM pada BUS dan UUS di Provinsi Jawa Barat.

Tinjauan Ekonomi Islam Terhadap Ekspor-Impor Sebagai Pendapatan Negara Indonesia

Islam as a perfect religion (kaffah) and Syumul has arranged several matters relating to Muamalah, one of which is related to International Trade in the field of Export-Import. When an era full of globalization as it is today requires many countries to be able to access export-import transactions in meeting their needs. Each of these activities becomes Muamalah's problem which must rely on human benefit. This scientific paper uses a qualitative approach to the type of descriptive-analytical research to illustrate the facts and characteristics of the export-import problem in terms of Islamic economic theory. The data source used is secondary data in theform of export-import reports published by the Central Statistics Agency and the Ministry of Trade along with some related documentation, books, and studies. The results explain that trade is the main pillar in a country's economy, as well as the concepts in Islamic economics. The economic improvement of a country can be seen from the intersional trade transactions in terms of export-import. Whereas what happened in Indonesia was that foreign trade, especially export-import, had not contributed significantly to income, the trade balance was negative. A good trade balance according to Islamic economic theory in the export sector is primarily in commodities that can be renewed, whereas in the import sector it is mainly in the form of commodities capable of fulfilling Islamic maqashid in Indonesian society.Keywords: Islamic Economy, Export-Import, and State Revenue

PENGARUH KOMPETENSI SUMBER DAYA MANUSIA DAN KOMITMEN TERHADAP TURNOVER INTENTION PADA BANK MUAMALAT INDONESIA KANTOR CABANG YOGYAKARTA

This study aims to determine the effect of human resource competence and commitment to turnover intention at Bank Muamalat Indonesia Yogyakarta Branch Office. This research uses quantitative methods, namely by presenting research results in the form of numbers or statistics, in order to test the hypotheses. As for the subjects of this study were employees of Bank Muamalat Indonesia Yogyakarta Branch Office. The data used in this study were primary data obtained from respondents who filled out questionnaires and secondary data obtained from several sources. The sample in this study were 50 respondents. Sampling was done by nonprobability sampling technique using saturated sampling method. The tool used for this study was multiple regression analysis with SPSS 22 application. The results of this study indicate that human resource competence and commitment negatively affect turnover intention. Simultaneously, the variables of human resource competence and commitment affect the turnover intention. Patially, commitment has a dominant influence on the turnover intention of sharia bank employees. Keywords: Human resource competence, commitment and turnover intention.

INVESTASI MUDHARABAH SEBAGAI OPTIMALISASI PENGELOLAAN WAKAF UANG

Wakaf merupakan salah satu bentuk ibadah amaliyah yang berbeda dari zakat, infak dan sedekah karena memiliki sifat keabadian. Selain itu, hukum zakat adalah wajib, maka seseorang yang mengeluarkan hartanya untuk berzakat adalah karena hukumnya. Berbeda dengan wakaf yang merupakan penyerahan secara sukarela sebagian harta yang dimiliki, sehingga mereka yang mengeluarkan wakaf bertujuan untuk mendekatkan diri kepada Allah SWT. Bentuk wakaf yang banyak dikenal di masyarakat adalah wakaf benda tidak bergerak seperti wakaf tanah dan wakaf bangunan. Namun, sekitar abad ke-15 dimulai wakaf dengan benda bergerak berupa uang yang dikenal dengan wakaf tunai/wakaf uang. Pengelolaan wakaf uang dilakukan dengan menyerahkan kepada pengelola wakaf (nazhir) yang kemudian disalurkan dalam bentuk aset produktif atau melalui investasi pada sektor-sektor usaha yang tidak bertentangan dengan syariah. Keuntungan dari asset produktif dan investasi inilah yang akan disalurkan dalam bentuk layanan sosial. Salah satu investasi yang dapat dilakukan adalah deposito mudharabah. Deposito mudharabah merupakan bentuk kerjasama yang telah banyak digunakan di perbankan dimana nasabah menyerahkan uangnya untuk dikelola oleh bank yang kemudian bagi hasilnya diperuntukkan untuk wakaf.