INCOMPATIBLE BUSINESS BEHAVIOR TOWARD ISLAMIC ETHICS: A STUDY ON THE PRACTICES OF RIBA AND BANK INTEREST

Various kinds of interpretations of usury and interest in modern financial institutions (banks), both from jurists and Muslim economists, seem to occur because the 'illat usury put forward by the jurists is seen as inaccurate in the development of Islamic legal thought. Gharar which is translated as speculation is equated with gambling because of the uncertainty for the parties (seller and buyer). This research uses a literature study, which is carried out by collecting, studying and reviewing books, scientific magazines and related documents such as theses and scientific journals. Many modern societies carry out such practices, such as buying and selling agricultural products that are still on the land with a wholesale system. When viewed from the ethical side of Islamic transactions, both usury, interest and gharar violate the ethics of transactions. Ethical considerations prohibiting usury, interest and gharar, due to unfairness, exploitation and unproductiveness. While the system of economic ethics emphasizes products, fairness and honesty in trade, and fair competition. In this case, good ethics will give good business, good ethics: good business. Ethics that is in the spotlight in this study, especially ethics in the operations and transactions of Islamic financial institutions. Then the sharia financial institutions in question include sharia banking, sharia pawnshops, sharia insurance, and sharia capital markets, all of which are some forms of representation of sharia macro financial institutions that are certain. have a significant impact on the nation's economic development. So that behavior that is not in accordance with Islamic ethics, such as related to usury and bank interest, must be avoided for Muslims.

THE INFLUENCE OF KNOWLEDGE, RELIGIOSITY, AND POCKET MONEY ON STUDENTS' INTEREST FOR SAVING IN SHARIA COMMERCIAL BANKS

This research aims to determine the effect of Knowledge, Religiosity, and Pocket Money on interest for saving in shariah banks. Data collection techniques using questionnaires and using primary data with a population of 503 students from the Faculty of Economics at the State University of Jakarta. The sample selection was done by proportional random sampling technique which resulted 205 samples. Data analysis uses several regression analyses with the help of SPSS. The results showed: (1) Partial knowledge has a positive and significant effect on interest in saving. (2) Partial religiosity does not affect interest in saving. (3) Partial pocket money has a positive and significant effect on interest in saving. (4) Knowledge, religiosity and pocket money simultaneously affect interest in saving.

CORRELATION OF WORKER WELFARE AND INDUSTRIAL RELATIONS

The smooth running of business in activities in the workplace occurs when there is a harmonious relationship between employers and workers based on working relationships in an industrial environment. Workers should feel well-being as part of the membership of a business enterprise. This study aims to determine the correlation between worker welfare and industrial relations. Observations were made in a company with a workforce of more than 1000 people in East Java Province. The number of samples taken was 100 people with purposive sampling technique. The collected data is then processed through the SPSS program with statistical correlation techniques. The results obtained are that there is a significant correlation of worker welfare and industrial relations. The form of correlation is positive or unidirectional and quite strong. The better and the welfare felt by the workers, the better and harmonious industrial relations will be created on both sides.

THE ROLE OF TENURE AND INCENTIVES ON EMPLOYEE BEHAVIOR

Every company needs to pay attention and regulate employee behavior in the workplace so that the stability of organizational life is maintained in a conducive manner. Various efforts have been made to achieve this, such as providing incentives. By paying attention to the adaptation of employees in the work environment based on years of service. The purpose of this study is to determine the role of tenure and incentives that shape employee work behavior. The selected population is all employees who work at a private bank branch office in Surabaya. All employees other than the leadership at the bank were sampled as many as 49 people. Regression analysis to answer the purpose of this study with the help of SPSS. The results obtained are the length of service and incentives together and individually proven to have a role to shape employee work behavior. The variable of tenure is more dominant in shaping employee work behavior.

THE EFFECT OF CAPITAL ADEQUACY, LIQUIDITY AND FIRM SIZE ON EARNINGS MANAGEMENT WITH CORPORATE GOVERNANCE AS MODERATING VARIABLES IN CONVENTIONAL BANKING LISTED ON IDX 2015 – 2019

With corporate governance as a moderating variable, this study intends to examine the impact of capital adequacy, liquidity, and firm size on earnings management. This study's population consists of 45 conventional banks that were listed on the Indonesia Stock Exchange between 2015 - 2019. Purposive sampling was used to choose the sample, which resulted in a total sample of 33 firms. Multiple regression analysis using Eviews 9 software is the analytical technique used to test the hypothesis. The results of this study indicate that the capital adequacy variable has a significant effect and liquidity has an insignificant effect, both of which have a negative coefficient value, while firm size has a significant effect on earnings management with a significant coefficient value. positive. Meanwhile, corporate governance is able to moderate the effect of capital adequacy on earnings management and is unable to moderate the effect of liquidity on earnings management with a decreasing t-statistic value, while corporate governance is able to moderate the effect of t-statistics value. Simultaneously, capital adequacy, liquidity, firm size and being moderated by corporate governance have a significant effect on earnings management