Analisis Pengaruh Inflasi, Produk Domestik Bruto dan Bagi Hasil terhadap dana pihak ketiga Bank Umum Syariah tahun 2014-2019

Dana Pihak Ketiga Bank Umum Syariah mengalami fluktuasi dan meningkat, pertumbuhan total aset di Indonesia mengalami perlambatan dan dana pihak ketiga merupakan komponen utama aset. Semakin besar dana pihak ketiga maka semakin besar pula aset perbankan. Maka posisi dana pihak ketiga menjadi penting dalam perkembangan aset perbankan. Penelitian ini bertujuan untuk melihat gambaran serta pengaruh Inflasi, Produk domestik bruto dan Bagi Hasil terhadap Dana pihak ketiga Bank Umum Syariah di Indonesia tahun 2014-2019. Metode penelitian yang digunakan dalam penelitian ini adalah metode deskriptif kuantitatif. Sampel penelitian berjumlah delapan Bank Umum Syariah yang diperoleh berdasarkan purposive sampling dengan periode penelitian selama enam tahun penelitian. Data yang digunakan adalah data sekunder. Metode yang digunakan analisis regresi data panel dengan Eviews 9. Hasil penelitian ini menunjukkan bahwa produk domestik bruto berpengaruh terhadap dana pihak ketiga, inflasi tidak berpengaruh terhadap dana pihak ketiga dan Bagi hasil tidak berpengaruh terhadap dana pihak ketiga. Hal yang dapat dilakukan Bank Syariah dalam meningkatkan Dana Pihak Ketiga yaitu meningkatkan kinerja dalam pelaksanaan kegiatannya dan memberikan pembiayaan kepada sektor riil sehingga pendapatan masyarakat dapat meningkat dan masyarakat dapat menyisihkan sebagian pendapatan untuk saving.

Pencapaian Zakat Terhadap Sustainability Development Goals (SDGs) Di Tiga Desa Di Kabupaten Majalengka: Implementasi Indeks BI-WAS

Zakat as worship with a social dimension has the same goals as the Sustainable Development Goals (SDGs) program. This study aims to measure the state of clean water sources along with the current state of sanitation conditions in three villages in Majalengka Regency. The results of this study are expected to be a reference for zakat distribution programs. The method used is a mixed method approach, which is a combination of qualitative and quantitative. The measurement indicators use the Index for Sustainable Clean and Safe Water and Santation, or the BAZNAS Index for the Sustainability of Clean Water and Sanitation (BI-WAS) developed by the BAZNAS Puskas. The results of this study show that the BI-WAS value in the three villages is above 60%, which means that public awareness of clean water and sanitation is good so that the existence of zakat programs related to this is less needed. Keywords: Zakat; SDGs; BI-WAS

ANALISIS MANAJEMEN RISIKO PEMBIAYAAN DAN PENGELOLAAN PRODUK PPR IB MASLAHAH DI BJB SYARIAH KCP. KUNINGAN

Housing is one of the basic human needs. Meanwhile, in fact, from the data on the number of Sharia mortgage customers at Bank Jabar Syariah, namely the PPR IB Maslahah product for the 2017-2020 period, it fluctuated and tend to decrease. In addition, it needs a good financing risk management implemented by the company. The objective of this research is to find out how the risk management of financing and product management of PPR IB Maslahah Bank BJB Syariah KCP Kuningan. This study uses premier data from interviews conducted to several employees of Bank BJB Syariah KCP Kuningan, by triangulation technique. Meanshile, the results of this study are:1). The financing risk management carried out by Bank BJB Syariah is in accordance with the Financial Services Authority Regulation (POJK) Number 65 / POJK.03 / 2016 concerning the Implementation of Risk Management for Sharia Commercial Banks and Sharia Business Units as stated in article 3 in point c; 2) Management of PPR Products carried out by Bank BJB Syariah Kuningan has been implemented, however in fact they have limited authority from the headquarters. .

Pengaruh Kesadaran Halal Dan Gaya Hidup Terhadap Keputusan Pembelian Konsumen Muslim Pada Restoran Jepang Di Jakarta

This study aims to determine and analyze the factors of halal awareness and lifestyle on the purchasing decisions of Muslim consumers at Japanese restaurants in Jakarta using a quantitative approach. The population selected in this study were Muslim consumers who had visited a Japanese restaurant located in the Jakarta area. For the number of samples in this study using as many as 150 Muslim consumers of Japanese restaurants in the Jakarta area. The sampling instrument in this study was obtained from distributing questionnaires. The analytical technique used to determine the magnitude of the effect is multiple linear regression. The data processing tool used for data analysis in this research is SPSS software version 20. The results of the tests carried out show that the variables of halal awareness and lifestyle partially and simultaneously have a significant effect on purchasing decisions of Muslim consumers at Japanese restaurants in Jakarta.

FASILITAS DAN SISTEM KOMPENSASI DAMPAKNYA PADA KINERJA KARYAWAN DI BANK BJB SYARIAH KCP. KUNINGAN

Good employee performance will be achieved if you pay attention to what factors can influence it. The case that occurred at Bank BJB Syariah KCP Kuningan was that employees complained about work facilities and the compensation system. The method used in this study is a descriptive method with a qualitative approach. With two data sources, namely primary data sources consisting of leaders and all employees at Bank BJB Syariah KCP. Brass and secondary data sources consisting of documents both in writing and photos at Bank BJB Syariah KCP. Brass. Data collection techniques used are interviews, observation and documentation. The research instrument is the researcher himself as the main instrument in the research, observation guide and interview guide. The results showed that the facilities provided by Bank BJB KCP. Kuningan is inadequate, the internet network is often disturbed, the lack of operational vehicles, the parking area is not large enough, thus disrupting employee performance. As for compensation, the institution has given it fairly and fairly well in accordance with existing regulations. Both of these things certainly have an impact on employee performance, so that it can be said that the failure of the BJB Syariah Bank, Kuningan Sub-Branch Office, has not been able to meet the needs to improve employee performance.

PENGARUH PENGHARGAAN FINANSIAL DAN PERTIMBANGAN PASAR KERJA TERHADAP KEPUTUSAN PEMILIHAN PROFESI ALUMNI SARJANA EKONOMI SYARIAH DI BOGOR

Penelitian ini bertujuan untuk melihat pengaruh penghargaan finansial dan pertimbangan pasar kerja terhadap keputusan alumni ekonomi syariah dalam memilih profesi. Metode penelitian yang digunakan adalah deskriptif dengan pendekatan kuantitatif dengan menggunakan teknik analisis regresi logistik. Populasi dari penelitian ini yaitu alumni sarjana ekonomi syariah tahun 2017-2019 yang terdiri dari Universitas Djuanda, Institut Pertanian Bogor, dan Universitas Ibn Khaldun dengan sampel 86 responden. Jenis data yang digunakan yaitu data primer dan data sekunder. Teknik data menggunakan teknik penyebaran kuesioner dan wawancara. Hasil penelitian ini menunjukkan bahwa penghargaan finansial tidak berpengaruh terhadap keputusan alumni ekonomi syariah dalam pemilihan profesi. Hal tersebut disebabkan alumni sarjana ekonomi syariah yang lebih memilih pengalaman kerja sebagai pilihan utama dalam pemilihan profesi dibandingkan dengan penghargaan finansial. Adapun pertimbangan pasar kerja berpengaruh signifikan terhadap keputusan alumni ekonomi syariah dalam pemilihan profesi. Hal tersebut berarti bahwa pasar kerja yang baik dapat memberikan jaminan bagi alumni sarjana ekonomi syariah di masa depan.

INVESTASI SYARIAH DAN PERTUMBUHAN EKONOMI: OPTIMASI PERAN SUKUK SEBAGAI PENUNJANG PEMBANGUNAN EKONOMI NASIONAL

Abstrak Masifnya pergerakan syariah di dunua, memberikan pengaruh kepada semua negara tidak terkecuali Indonesia. penelitian deskritif ini bertujuan untuk menggambarkan investasi syatiah khususnya sukuk mampu untuk berkonstribusi pada pembangunan ekonomi nasional. Penelitian ini menggunakan metode kualitatif dengan library research. Sukuk mampu untuk menahan defisit APBN Indonesia untuk mendukung pembangunan infrastruktur, sektor padat karya, dan mengembangkan potensi daerah. Namun Indonesia masih membutuhkan beberapa regulasi dan kebijakan untuk mengoptimalkan peran sukuk dalam pembangunan ekonomi. Kata Kunci: Sukuk, Pembangunan Ekonomi Nasional, APBN.

ANALISIS MANAJEMEN RISIKO PRODUK PEMBIAYAAN GADAI EMAS SYARIAH DI BANK BJB SYARIAH KCP SUMEDANG

Bank BJB Syariah Kantor Cabang Pembantu Sumedang menawarkan berbagai produk yang dibutuhkan oleh masyarakat seperti produk pembiayaan, produk pendanaan, dan produk jasa. Salah satu produk pembiayaan yang ada di bank BJB Syariah Kantor Cabang Pembantu Sumedang ialah Mitra Emas iB Maslahah adalah produk qardh beragun emas dimana bank memberikan fasilitas pembiayaan kepada nasabah dengan agunan berupa emas.Penelitian ini bertujuan untuk mengetahui apa saja risiko yang dialami pembiayaan produk gadai emas dan bagaimana proses pengelolaan risiko yang dilakukan Bank BJB Syariah KCP Sumedang dalam produk pembiayaan gadai emas syariah. Penelitian ini merupakan jenis penelitian kualitatif dengan menggunakan pendekatan deskriptif. Data diperoleh dengan metode wawancara, observasi, dan dokumentasi. Uji kredibilitas data menggunakan uji kredibitas data trianggulasi. Sedangkan teknik analisis data menggunakan : Reduksi data, penyajian data, dan penarikan kesimpulan.Jadi berdasarkan analisis risiko pembiayaan gadai emas Syariah di Bank BJB KCP Sumedang risiko yang paling tinggi ialah Risiko Pasar, Risiko Operational, dan Risiko Srategik. Sedangkan risiko kepatuhan, risiko hukum, risiko kredit, risiko reputasi dan risiko likuiditas mempunyai risiko yang rendah. Penerapan manajemen risiko Bank BJB Syariah KCP Sumedang secara keseluruhan berjalan efektif tetapi masih harus diperbaiki untuk menanggulangi risiko yang melekat pada pembiayaan gadai emas.

Digitalisasi Ekonomi Syariah Penerapan Hukum-Hukum Islam Dalam Jual Beli Online

Technological developments have penetrated into all fields, including buying and selling. In the past, buying and selling activities required sellers and buyers to meet face to face to reach an agreement, in contrast to the current era where technology is increasingly advanced where sellers and buyers do not have to meet in person but the buying and selling process can still take place. This activity is commonly referred to as buying and selling online, where the process takes advantage of the internet network. In Islam this is something new, but that does not mean that this activity is prohibited, as long as it does not violate Islamic principles. This study tries to identify the implementation of Islamic principles in online buying and selling activities both from the products sold and the transaction process. This study uses qualitative research by taking informants from online business owners in Banyuwangi, Gresik and Kediri by indirect interview. The result of this study was all online business actors did tried applying Islamic sharia in the practice of transaction by social media as Whatsapp, Instagram and Facebook and e-marketplace.Keywords: Buying and selling online, Islamic principles.

Perspektif Ekonomi Syariah Di Indonesia Tentang Riba, Bunga Bank, dan Bagi Hasil

Introduction / Main Objective : This study aims to reveal the existence of community conceptions related to profit sharing (Sharia economics), usury, bank interest (conventional), in terms of Islamic economics, where these 3 (three) things are unique and interesting if we discuss in the era of disruption like today. Background: The era of discipline 4.0 as it is now is very interesting and unique regarding the study of the prohibition of usury in Indonesia, what is unique is the Khilafiyah which is the basis for especially Muslims (sharia economic actors), the need for tolerance between the views of schools of thought in Indonesia regarding this usury in sharia economics (muamalah) in order to benefit together in this world and in the hereafter. Research Methods: This study uses the Library Research Method and collects data obtained by means of literature studies from books and journals relevant to studies on usury and bank interest (conventional), profit sharing (Islamic economics).Novelty: Related to research on the perspective of Islamic economics in the current era of disruption, especially in Indonesia regarding usury, and bank interest (conventional), as well as profit sharing (Islamic economics) so far no one has examined it.Findings: from a sharia economic point of view related to profit sharing, usury and also bank interest have a good impact on the economy in Indonesia, where the profit sharing system can help people in terms of social resilience, and overcome social inequalities (making tahsin / benefit of the ummah).Conclusion: The public, in their view of usury, bank interest and profit sharing within the Islamic economic community, requires tolerance in punishing these three things, as a result there is no "bank interest" in the Shariāh economic sphere (replaced by profit sharing), which is currently being shared. this outcome (Islamic economics) is seen as an effective measure to prevent conflict in gaps in dealing with impacts on the Economy and Social Affairs, as well as resilience to the community environment.