Solusi atas Permasalahan Pengawasan dan Penagihan Outstanding Premi Asuransi Syariah di Indonesia

Islamic Insurance has to increase its profit, especially premium as the main income to maximize the profit. It’s also the purpose of the Sharia Unit Bumiputera Muda 1967 General Insurance. Therefore, it needs strategies and efforts and minimizes the obstacles. One of them is the premium receivables that have matured but not collected or called the outstanding premium. This study aims to analyze problems of the premium receivables that have matured but not collected or called the outstanding premium. Therefore, it needs strategies and efforts and minimizes the obstacles. This study uses a qualitative-quantitative method using Analytic Network Process (ANP). The analysis is focused on internal-external problems and short-term-long term solutions from Sharia Unit Bumiputera Muda 1967 General Insurance that are expected to overcome these problems. The results showed that the most priority problem is internal problems, as follows: premium payment and billing system, internal control, and less effective business processing. Meanwhile, the most priority solution is short-term, as follows: communication and confirmation, performance and operational effectiveness, and structural appreciation and punishment. The results are expected to be implemented by insurers and support the regulator to establish specific policies related to this issue.

Peranan Media Sosial Sebagai Agen Sosialisasi Halal dalam Membangun Kesadaran Halal: Studi Netnografi

This study aims to determine public behavior related to the use of social media as a source of information and knowledge about halal and the role of social media and its function as an agent of socialization to transfer knowledge and information about halal and build halal awareness in the community. This research was conducted with a Netnographic study. Netnography is an interpretive approach to study consumer behavior from various cultures and communities in cyberspace or the Internet. This approach is also referred to as "digital ethnography" or "virtual ethnography". This study uses the 'halal corner' virtual community account as the object of study and data source to observe the process of transferring halal information and knowledge in shaping halal awareness in the community. This research found that social media acts as an agent for halal socialization and plays a role in shaping halal awareness of Muslim communities.

The Determinants of Islamic Banking Capital Structure in Indonesia

This study aims to analyze and explain the factors that influence capital structure. Capital structure (CS) is measured by Debt to Equity Ratio (DER). Profitability is determined by Return on Assets (ROA) and Net Profit Margin (NPM). Loan to Deposit Ratio (LDR) is used as an indicator of risThis study aims to analyze and explain the factors that influence capital structure. Capital structure (CS) is measured by the Debt to Equity Ratio (DER). Profitability is determined by Return on Assets (ROA) and Net Profit Margin (NPM). Financial to Deposit Ratio (FDR) is used as an indicator of risk. Firm size is projected with Ln TA. The population of this study is all Islamic banks contained in Bank Indonesia, with observation periods starting in 2010 until 2018. The selection of samples in this study is a purposive sampling method. Data analysis and hypothesis testing were carried out by using the Eviews 11 program. The results of the study showed that sharia banking companies, all the independent variables simultaneously had a significant effect on the capital structure. Return on Assets (ROA) and firm size have affected the capital structure. Islamic bank managers in Indonesia choose the capital structure obtained from internal funds and the larger the company, it is necessary to arrange capital structure, to obtain the sustainability of the company in the future.k. Firm size is projected with Ln TA. The population of this research is all Islamic banks contained in Bank Indonesia, with observation periods starting in 2010 until 2017. The selection of samples in this study is purposive sampling method. Data analysis and hypothesis testing were carried out by structural equation model approach using the SPSS program. The results of the study showed that in Islamic sharia companies, all the independent variables simultaneously had a significant effect on the capital structure, partially only the Loan to Deposit Ratio (LDR) variable that did not affect the capital structure, while the other independent variables had a significant temporary effect on conventional Research conducted by the researchers themselves used some of the same variables and using the PLS 3.0 analysis tool there were similar results that only risks did not affect the capital structure. The conclusion of this study is that there is no difference in capital structure in Islamic banking companies and conventional banking companies.

Determinan Keputusan Menjadi Nasabah Jual Beli Valas (Al-Sharf) di Bank Syariah

Forex trading is a part of the economic system that has an impact on satisfying the main needs in the life of global and modern society today. Currently, it is not only the foreign exchange market that conducts foreign exchange trading, but Bank Indonesia also holds a foreign exchange market, where foreign exchange banks can carry out foreign exchange transactions with BI. The satisfaction of community needs in this regard is related to product innovation, location, and promotion strategies in forex trading. The purpose is to analyze the effect of product innovation, location, and promotion strategies on the decision to become a foreign exchange customer (sharf) at Bank Syariah Mandiri Pangkalpinang Branch. This research is a quantitative descriptive. The sample is 66 customers. While the analysis technique used is the multiple linear regression test. The results are: (1) There is a significant influence of the product innovation variable on the decision to become a foreign exchange customer; (2) There is no significant effect of location variables on the decision to become a foreign exchange customer; (3) There is a significant influence of promotion variables on the customer's decision to buy and sell foreign currencies.

Internalisasi Nilai Kearifan Lokal Pobinci-Binciki Kuli pada Usahawan Buton dalam Etika Bisnis Syariah untuk Mewujudkan Kesejahteraan

This study aims to interpret the value of local wisdom of the Buton's natives pobinci-binciki kuli through entrepreneurs and then internalize it in sharia business ethics to achieve prosperity and well beings of the people. The approach used in this study is an ethnographic approach that makes Central Buton as a center of research. The findings in this study are the values of the local wisdom of Buton's island natives pobinci-binciki kuli which can be internalized in Islamic business ethics as follows: Defining value, pomae-maeaka (mutual shame) internalized in nature siddiq (integrity), internalized in value poma-maasiaka (love one another) internalized in nature fatonah (Intelligence), internalized in values of popia-piara (mutual protection) internalized in nature of amanah (trustworthy) and the value of poangka-ngkataka (mutual support) internalized in nature tabligh (communicative). These are the identities inherent in the Prophet Muhammad. when running a business. Therefore, sharia business ethics in real terms have been applied by the people of Central Buton through the local wisdom of Buton's natives, known as the pobinci binciki kuli. These values have brought Central Buton’s entrepreneurs to achieve prosperity oriented to the world and hereafter.

Analisis Efek Ramadhan Terhadap Abnormal Return dan Trading Volume Activity pada Perusahaan Yang Masuk dalam Jakarta Islamic Index (JII) di Bursa Efek Indonesia Periode 2014-2018

This study is a study of events aimed at knowing the effects of Ramadhan, to companies listed on the Jakarta Islamic Index on the Indonesia Stock Exchange period 2014-2018, using abnormal return and trading volume activity indicators. This study uses secondary data in the form of daily stock price index for the period 2014-2018 , Composite Stock Price Index (IHSG) and trading volume, with the population of companies entering the Jakarta Islamic Index on The Indonesian Stock Exchange , The statistical test used to test the hypothesis is the normality test, and the paired sample t-test. Result of T-test on Abnormal Return between year 2014-2018 know that there is no significant influence between Ramadhan month to abnormal return from year 2014 until 2018. While for T-test on trading volume activity between year 2014 until 2018 know that only in 2014, 2015, and 2017, 2018 there are significant influence which means the market responds to the event. The result of the test of Ramadhan event has the information even though it does not happen in every year of the research period, this is because Ramadhan is a routine event occuring in Indonesia so investors have been able to predict how the stock movemonts in Indonesia Stock Exchange.

Analisis Peran Program Zakat Community Development BAZNAS Kota Samarinda Dalam Mengurangi Kemiskinan di Samarinda

This research was motivated by the activities of the Zakat Community Development program carried out by the BAZNAS of Samarinda City in the Loa Kumbar area of Loa Buah Village in Samarinda which aims to prosper the community or empowerment programs based on reducing poverty. The research is empirical research (field research), the data sources in this study were primary data obtained from field assistants and assistants from BAZNAS Samarinda.while the Respondents in this study were Kelurahan, RT, community leaders and field assistants and assistants from BAZNAS Samarinda and members. While the data collection techniques used were observation, interview and documentation. After the data was collected, then analyzed using qualitative methods. The findings in the field are, the driving factor of the implementation of the ZCD program in the Loa Kumbar region is that there are many people who do not have jobs, almost 70% of the population in the region are underprivileged and BAZNAS wants to encourage community self-help. The inhibiting factors in implementing the program were the late arrival of funds, facilitators who were still very minimal, communication gaps and the type of development of inappropriate activities. While the changes that have taken place in the Loa Kumbar region are facilities such as roads, mosques, schools, aquaculture, livestock and fisheries, free health programs such as mass circumcision and medical treatment.This program is very helpful for the Loa Kumbar community to become more prosperous.

Peranan Perbankan Syariah Terhadap Pengembangan Modal Usaha Mikro, Kecil dan Menengah (UMKM)

This study aims to analyze the role of Islamic banking toward the development of Micro, Small and Medium Enterprises (MSMEs) capital in Yogyakarta. This test uses primary data obtained from the distribution of questionnaires with analysis tools using SPSS 20 software. The sampling method in this study used purposive sampling where 100 samples were selected according to the research criteria. In this study using the sample criteria with microfinance customers in Islamic banking in Yogyakarta. The data analysis technique in this test is multiple regression analysis. So, the results obtained in this test show that the variables of assistance, accessibility, and financing products have a positive and significant effect on capital development. However, the service variable does not have a positive and significant effect on MSMEs’ capital development in Yogyakarta.

Analisis Pengaruh Inklusi Perbankan Syariah terhadap Pembiayaan UMKM Sektor Halal di Indonesia

Financial inclusion is an issue that is being echoed by the government together with other authorities and stakeholders. One of the main targets of financial inclusion besides households is the MSMEs. Some indicators of financial inclusion, namely access, use and quality. This study aims to analyze how the influence of Islamic banking inclusion (BUS and UUS) from access indicators to the distribution of MSME financing. The access indicator used is the number of Islamic banking offices which include KP, KC, KCP and KK. This research uses a quantitative method with a VAR (Vector Autoregression) model. The results showed that the number of BUS and UUS offices affect MSMEs in Islamic banking financing. In addition, Islamic banking in Indonesia is still not optimal in channeling financing to MSMEs. Various ways can be done by Islamic banking in order to expand access to MSME actors, including developing the Financial Technology (Fintech) system, expanding Islamic banking agents through the Laku Pandai program and expanding cooperation with MSME stakeholders.

Determinan Harga Saham Pertambangan di Indonesia

The purpose of this research is to know the influence of profitability, solvency, and commodity prices on the stock price of mining companies listed on the Indonesia Stock Exchange (IDX) in 2008-2018. Some aspects used in research include financial ratios such as ROE (Return of Equity), EPS (Earning per share of common stock) for variable profitability and DER (Debt to Equity Ratio) for solvency as well as the addition of external factors Like commodity prices to see how it affects the price of the stock. This research is conducted by the documentation method using data from the financial report of the mining company obtained from the Indonesia Stock Exchange website. The analytical methods used in the research are the classical assumption test analysis and the data regression panel. This research uses a data mining company registered in Jakarta Islamic Index (JII) in 2008 – 2018 as 5 companies from 27 registered companies. The results of the Common-Constant estimation method (Pooled Ordinary Least Square/PLS) found that DER and EPS influence the stock price of the mining company partially, While commodity prices do not have a significant effect against the stock price of mining companies. ROE, DER, EPS and commodity prices do not have a significant effect on the stock price of mining companies, it can be demonstrated by the R-Squared 0.150565 value which means the above variables affect only 15.05% and the remaining 84.95% is determined by other variables not researched in this study.