The research reveals the performance of Islamic banking in West Java with emphasis on the role of banking intermediation in terms of managerial and customer persefsi terhdap Islamic banks. There are two findings revealed that the performance of Islamic banking of managerial and explore public perception (customers and non-customers) and its response to Islamic banking. Achievement of the performance of Islamic banking in terms of managerial aspects with an average index performance index of 78.05. Not optimal managerial performance because the Islamic banking; not optimal accommodate the wishes and needs of customers and society due to limited facilities, product innovation is still low, and the lack of transparency in the sharing system. Judging from the general public perception is already relatively well. Cognitive aspect shows customers already understand terahadap Islamic banking because it has good access to information so they can create awareness (awareness). The communities also tend to like Islamic banking and to support efforts to socialize the banks and the public has not become a customer intends to become a customer. Only selection Islamic banking is still dominated by the state-owned Islamic banking choice because it is considered bona fide. The study also found differences in the perception of the Bank Umum Syariah versus BPR Syariah. The correlation value is obtained to reach .987. That is a decision the community (customers and non-customers) 98.7% influenced by their perceptions of Islamic banking while the rest (1.3%) is influenced by other variables not included in the model.
{"title":"Kinerja Manajerial dan Persepsi Nasabah Terhadap Perbankan Syariah di Jawa Barat","authors":"R. Fatah, Sugeng Setyadi","doi":"10.21093/AT.V1I2.535","DOIUrl":"https://doi.org/10.21093/AT.V1I2.535","url":null,"abstract":"The research reveals the performance of Islamic banking in West Java with emphasis on the role of banking intermediation in terms of managerial and customer persefsi terhdap Islamic banks. There are two findings revealed that the performance of Islamic banking of managerial and explore public perception (customers and non-customers) and its response to Islamic banking. Achievement of the performance of Islamic banking in terms of managerial aspects with an average index performance index of 78.05. Not optimal managerial performance because the Islamic banking; not optimal accommodate the wishes and needs of customers and society due to limited facilities, product innovation is still low, and the lack of transparency in the sharing system. Judging from the general public perception is already relatively well. Cognitive aspect shows customers already understand terahadap Islamic banking because it has good access to information so they can create awareness (awareness). The communities also tend to like Islamic banking and to support efforts to socialize the banks and the public has not become a customer intends to become a customer. Only selection Islamic banking is still dominated by the state-owned Islamic banking choice because it is considered bona fide. The study also found differences in the perception of the Bank Umum Syariah versus BPR Syariah. The correlation value is obtained to reach .987. That is a decision the community (customers and non-customers) 98.7% influenced by their perceptions of Islamic banking while the rest (1.3%) is influenced by other variables not included in the model.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"167-194"},"PeriodicalIF":0.0,"publicationDate":"2016-06-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822611","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to; determine the factors considered by Islamic Banking as shahibul maal in determining the profit sharing ratio up of financing; determine the factors most taken into consideration by the Islamic Banking as shahibul maal in the determination of the profit sharing ratio on financing mudaraba. This study used a population of 75 people consisting of management and employees in five Islamic Bank in the city of Samarinda, the Syariah BRI, BNI Syariah, Bank Syariah Mandiri, Bank Syariah Muamalat and Bank of East Kalimantan. The research instrument used in the form of a questionnaire. Validity and reliabiltas instrument was tested using Spearman rank and Cronbach alpha. Data were analyzed using factor analysis with the aid of a computer program Statistical Product and Service Solution (SPSSversi 11.0 forWindows). Results showed: (1) based on the calculation on the total variance explained is known that the number of factors that have eigenvalues > 1 of 7 factors, namely the customer's business, guarantees, regulation, policy banks, costs, competition and risks. Seventh these factors into consideration in determining the ratio of Islamic Banking for the top results of financing, (2) based on the calculation of the total variance explained is known that the factors that have the greatest eigen values that 5.923 is a factor of the customer's business. Thus the most dominant factor into consideration Islamic Banking in determining the profit sharing ratio of financing is a factor on the customer's business
{"title":"Analisis Faktor-Faktor Yang Dipertimbangkan Dalam Penentuan Nisbah Bagi Hasil Atas Pembiayaan Mudharabah Pada Perbankan Syariah (Studi Empiris Pada Perbankan Syariah Kota Samarinda)","authors":"A. Hidayat, Fatahul Rahman","doi":"10.21093/AT.V1I1.424","DOIUrl":"https://doi.org/10.21093/AT.V1I1.424","url":null,"abstract":"This study aims to; determine the factors considered by Islamic Banking as shahibul maal in determining the profit sharing ratio up of financing; determine the factors most taken into consideration by the Islamic Banking as shahibul maal in the determination of the profit sharing ratio on financing mudaraba. This study used a population of 75 people consisting of management and employees in five Islamic Bank in the city of Samarinda, the Syariah BRI, BNI Syariah, Bank Syariah Mandiri, Bank Syariah Muamalat and Bank of East Kalimantan. The research instrument used in the form of a questionnaire. Validity and reliabiltas instrument was tested using Spearman rank and Cronbach alpha. Data were analyzed using factor analysis with the aid of a computer program Statistical Product and Service Solution (SPSSversi 11.0 forWindows). Results showed: (1) based on the calculation on the total variance explained is known that the number of factors that have eigenvalues > 1 of 7 factors, namely the customer's business, guarantees, regulation, policy banks, costs, competition and risks. Seventh these factors into consideration in determining the ratio of Islamic Banking for the top results of financing, (2) based on the calculation of the total variance explained is known that the factors that have the greatest eigen values that 5.923 is a factor of the customer's business. Thus the most dominant factor into consideration Islamic Banking in determining the profit sharing ratio of financing is a factor on the customer's business","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"73-82"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822993","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Economic globalization is the increasing economic integration and interdependence of national, regional and local economies across the world through an intensification of cross-border movement of goods, services, technologies and capital. Globalization leads to freer trade between countries. This is one of its largest benefits to developing nations. Homegrown industries see trade barriers fall and have access to a much wider international market. While an influx of foreign companies and foreign capital creates a reduction in overall unemployment and poverty, it can also increase the wage gap between those who are educated and those who are not. Over the longer term, education levels will rise as the financial health of developing countries rise, but in the short term, some of the poor will become poorer. Not everyone will participate in an elevation of living standards. According to Islamic economics, economic globalization should be done using appropriate approaches so as not to cause a lot of problems that could potentially harm the countries that are developing. The approach used should be based on fairness and equality in human interaction, and a multidisciplinary approach that covers all aspects of human life, moral, intellectual, social, historical, demographic, and political.
{"title":"Globalisasi Ekonomi Dan Implikasinya Bagi Negara-Negara Berkembang : Telaah Pendekatan Ekonomi Islam","authors":"Akhmad Nur Zaroni","doi":"10.21093/at.v1i1.418","DOIUrl":"https://doi.org/10.21093/at.v1i1.418","url":null,"abstract":"Economic globalization is the increasing economic integration and interdependence of national, regional and local economies across the world through an intensification of cross-border movement of goods, services, technologies and capital. Globalization leads to freer trade between countries. This is one of its largest benefits to developing nations. Homegrown industries see trade barriers fall and have access to a much wider international market. While an influx of foreign companies and foreign capital creates a reduction in overall unemployment and poverty, it can also increase the wage gap between those who are educated and those who are not. Over the longer term, education levels will rise as the financial health of developing countries rise, but in the short term, some of the poor will become poorer. Not everyone will participate in an elevation of living standards. According to Islamic economics, economic globalization should be done using appropriate approaches so as not to cause a lot of problems that could potentially harm the countries that are developing. The approach used should be based on fairness and equality in human interaction, and a multidisciplinary approach that covers all aspects of human life, moral, intellectual, social, historical, demographic, and political.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"1-22"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822945","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper discusses the debate jurists of insurance, there are some that allow and prohibit, with various arguments. At the next turn spawned Takaful is a concrete solution to address the issue of people who really need insurance. Islamic insurance does have differences in terms of both form and nature with conventional insurance. There are two types of takaful insurance products, namely family takaful and general takaful. This insurance can also increase or help the economic development of the people, with a range of multiplier effect caused
{"title":"Asuransi Islami Dan Pembangunan Ekonomi Umat","authors":"Muhammad Iswadi","doi":"10.21093/at.v1i1.421","DOIUrl":"https://doi.org/10.21093/at.v1i1.421","url":null,"abstract":"This paper discusses the debate jurists of insurance, there are some that allow and prohibit, with various arguments. At the next turn spawned Takaful is a concrete solution to address the issue of people who really need insurance. Islamic insurance does have differences in terms of both form and nature with conventional insurance. There are two types of takaful insurance products, namely family takaful and general takaful. This insurance can also increase or help the economic development of the people, with a range of multiplier effect caused","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"47-56"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822883","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Business with all that stuff going on in people's lives every day widely. Many businesses and the variety of motifs and business orientation as well as the increasing complexity of business problems, sometimes making businesses stuck to try anything to achieve its goal, especially if the goal is only for profit and profit alone. So frequent negative actions, which eventually becomes a habit in business behavior. If so, it is not uncommon for businesses identified with the dirty deed, because there are behaviors lying, treasonous, broken promises, deception and deceiving others. This article describes the business in the Islamic approach that includes the Islamic business concept, the principles of Islamic business and normative foundation of Islamic business . Islamic business must be based on Islamic ethics derived from the Qur'an and the Sunnah of the Prophet Muhammad. Generally, business ethics is a normative discipline, whereby particular ethical standards are formulated and then applied. It makes specific judgments about what is right or wrong, which is to say, it makes claims about what ought to be done or what ought not to be done.
{"title":"Bisnis Dalam Perspektif Islam (Telaah Konsep, Prinsip dan Landasan Normatif)","authors":"N. Norvadewi","doi":"10.21093/at.v1i1.420","DOIUrl":"https://doi.org/10.21093/at.v1i1.420","url":null,"abstract":"Business with all that stuff going on in people's lives every day widely. Many businesses and the variety of motifs and business orientation as well as the increasing complexity of business problems, sometimes making businesses stuck to try anything to achieve its goal, especially if the goal is only for profit and profit alone. So frequent negative actions, which eventually becomes a habit in business behavior. If so, it is not uncommon for businesses identified with the dirty deed, because there are behaviors lying, treasonous, broken promises, deception and deceiving others. This article describes the business in the Islamic approach that includes the Islamic business concept, the principles of Islamic business and normative foundation of Islamic business . Islamic business must be based on Islamic ethics derived from the Qur'an and the Sunnah of the Prophet Muhammad. Generally, business ethics is a normative discipline, whereby particular ethical standards are formulated and then applied. It makes specific judgments about what is right or wrong, which is to say, it makes claims about what ought to be done or what ought not to be done.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"33-46"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822870","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Islamic Banking began to grow rapidly since 2001, in line with these developments required an Islamic Short Term Funding Facility (FPJPS), with mudharabah mechanism provided by the central bank, Bank Indonesia, so that the value of the liquidity of Islamic banking especially Bank Syariah Mandiri increased. This research is descriptive qualitative using data and information as well as the study of literature / bibliography. This study was elaborated on the Islamic Short Term Funding Facility (FPJPS) mechanism mudharabah and Bank Syariah Mandiri how to respond to the Islamic Short Term Funding Facility
{"title":"Analisis Akad Mudharabah Dalam Fasilitas Pendanaan Jangka Pendek Syariah Pada Bank Syariah Mandiri","authors":"Ike Purnamasari","doi":"10.21093/AT.V1I1.423","DOIUrl":"https://doi.org/10.21093/AT.V1I1.423","url":null,"abstract":"Islamic Banking began to grow rapidly since 2001, in line with these developments required an Islamic Short Term Funding Facility (FPJPS), with mudharabah mechanism provided by the central bank, Bank Indonesia, so that the value of the liquidity of Islamic banking especially Bank Syariah Mandiri increased. This research is descriptive qualitative using data and information as well as the study of literature / bibliography. This study was elaborated on the Islamic Short Term Funding Facility (FPJPS) mechanism mudharabah and Bank Syariah Mandiri how to respond to the Islamic Short Term Funding Facility","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"67-72"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822978","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
A Business ethics is a valuable learning and becomes a supplies for a person who had studied it when he / she performs a business and also when he / she works in a company. The business ethics applied in performing business has important role for a succes and eternity of that business. In the level of a knowledge, ethics is a branch of that knowledge, that is a knowledge of proper behavior. The ethics refers to compilation of morality criterions which will be a guidance to act and to perform activities. A Business is a productive activity, it’s purposes is to gain a profit. The business has a role as a fundament of economic activity, there is no economic activity without business. The profit is set through income minus expenses for service company. For trade company, the profit is set through sales minus cost of goods sold and expenses. If the business ethics is not paid ettention and also not applied in performing economics activity, a business man or business woman or who else perform economic activity will be trapped in cases of law/ norm infraction.
{"title":"Urgensi Penerapan Etika Dalam Bisnis","authors":"Muhammad Birusman Nuryadin","doi":"10.21093/at.v1i1.419","DOIUrl":"https://doi.org/10.21093/at.v1i1.419","url":null,"abstract":"A Business ethics is a valuable learning and becomes a supplies for a person who had studied it when he / she performs a business and also when he / she works in a company. The business ethics applied in performing business has important role for a succes and eternity of that business. In the level of a knowledge, ethics is a branch of that knowledge, that is a knowledge of proper behavior. The ethics refers to compilation of morality criterions which will be a guidance to act and to perform activities. A Business is a productive activity, it’s purposes is to gain a profit. The business has a role as a fundament of economic activity, there is no economic activity without business. The profit is set through income minus expenses for service company. For trade company, the profit is set through sales minus cost of goods sold and expenses. If the business ethics is not paid ettention and also not applied in performing economics activity, a business man or business woman or who else perform economic activity will be trapped in cases of law/ norm infraction.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"23-32"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822957","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia. Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase. This is supported by a large population of Indonesia and also as the largest Muslim country in the world. However, this industry will also experience a very strong obstacle because of the global economic downturn, as it also conditions the people are not educated about insurance, the free market has begun to be applied, resources are less about Islamic insurance, lack of capital and other on.Therefore it needs the government's role to help to continue to grow, with regulations that support this industry
{"title":"Prospek dan Tantangan Perkembangan Asuransi Syariah di Indonesia","authors":"Herry Ramadhani","doi":"10.21093/AT.V1I1.422","DOIUrl":"https://doi.org/10.21093/AT.V1I1.422","url":null,"abstract":"This paper wants to explore more about the prospects and challenges of the development of Islamic insurance in Indonesia. Islamic insurance industry in Indonesia has very good prospects for growth, the demand for insurance products based on shariah will continue to increase. This is supported by a large population of Indonesia and also as the largest Muslim country in the world. However, this industry will also experience a very strong obstacle because of the global economic downturn, as it also conditions the people are not educated about insurance, the free market has begun to be applied, resources are less about Islamic insurance, lack of capital and other on.Therefore it needs the government's role to help to continue to grow, with regulations that support this industry","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"1 1","pages":"57-66"},"PeriodicalIF":0.0,"publicationDate":"2015-12-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"67822891","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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