The purpose of this research is to analyze the implementation of Qard and Wakalah bil Ujrah financing contract for Sharia Lending Platform reviewed based on regulation of Otoritas Jasa Keuangan (OJK) and Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). The method of approach used in this research is a method of empirical approach that is legal research on the enforcement or implementation of normative provisions in action at any particular legal event occurring in the community. The results showed that the information system with Sharia invoice financing used by sharia Investree Platform is according to review based on regulation of OJK No. 77/POJK.01/2016 in chapter IV of article 19 of the financing agreement on lending services based on information technology with Lenders. Secondly, the implementation of Akad Al qordh used by Sharia Investree Platform has been reviewed according to the Fatwa DSN MUI No. 19/DSN-MUI/IV/2001 on Al-Qardh. Thirdly, the implementation of Akad Wakalah bil Ujrah used by Sharia Investree Platform has been reviewed according to Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Akad Wakalah Bi Al-Ujrah which is devoted to the Fatwa DSN-MUI No. 67/DSN-MUI/III/2008 on Islamic debt factoring. Fourth, the classification of QARDH and Wakalah bil Ujrah that used by the sharia Investree Platform is using a factoring financing model reviewed by the Fatwa DSN-MUI No. 117/DSN-MUI/II/2018 on information technology-based financing services based on Islamic principles.
本研究的目的是根据Otoritas Jasa Keuangan (OJK)和Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI)的规定，对伊斯兰贷款平台的Qard和Wakalah bil Ujrah融资合同的实施情况进行分析。本研究使用的方法是一种实证方法，即在社区发生的任何特定法律事件中对规范性条款的执行或实施进行法律研究。结果表明，Sharia Investree Platform使用的Sharia发票融资信息系统是根据OJK第77/POJK号规定进行审查的。与出借方签订的基于信息技术的借贷服务融资协议第十九条第四章2016年1月1日。其次，根据关于Al- qardh的第19/DSN-MUI/IV/2001号法特瓦对伊斯兰教法投资平台使用的Akad Al- qordh的执行情况进行了审查。第三，根据关于Akad Wakalah Bi Al-Ujrah的法特瓦DSN-MUI第113/DSN-MUI/IX/2017号关于伊斯兰债务保理的法特瓦DSN-MUI第67/DSN-MUI/III/2008号关于伊斯兰债务保理的法特瓦DSN-MUI/IX/2017号关于Akad Wakalah Bi Al-Ujrah的实施情况，对伊斯兰教法投资平台使用的Akad Wakalah bil Ujrah进行了审查。第四，伊斯兰教法投资平台使用的QARDH和Wakalah bil Ujrah分类使用了基于伊斯兰原则的基于信息技术的融资服务的法特瓦DSN-MUI 117/DSN-MUI/II/2018审查的保理融资模型。
{"title":"Implementasi Akad Pembiayaan Qard dan Wakalah bil Ujrah pada Platform Fintech Lending Syariah ditinjau Berdasarkan Peraturan Otoritas Jasa Keuangan (OJK) dan Fatwa DSN-MUI","authors":"Sri Maulida, Ahmadi Hasan, Masyitah Umar","doi":"10.21093/AT.V5I2.2303","DOIUrl":"https://doi.org/10.21093/AT.V5I2.2303","url":null,"abstract":"The purpose of this research is to analyze the implementation of Qard and Wakalah bil Ujrah financing contract for Sharia Lending Platform reviewed based on regulation of Otoritas Jasa Keuangan (OJK) and Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI). The method of approach used in this research is a method of empirical approach that is legal research on the enforcement or implementation of normative provisions in action at any particular legal event occurring in the community. The results showed that the information system with Sharia invoice financing used by sharia Investree Platform is according to review based on regulation of OJK No. 77/POJK.01/2016 in chapter IV of article 19 of the financing agreement on lending services based on information technology with Lenders. Secondly, the implementation of Akad Al qordh used by Sharia Investree Platform has been reviewed according to the Fatwa DSN MUI No. 19/DSN-MUI/IV/2001 on Al-Qardh. Thirdly, the implementation of Akad Wakalah bil Ujrah used by Sharia Investree Platform has been reviewed according to Fatwa DSN-MUI No. 113/DSN-MUI/IX/2017 on Akad Wakalah Bi Al-Ujrah which is devoted to the Fatwa DSN-MUI No. 67/DSN-MUI/III/2008 on Islamic debt factoring. Fourth, the classification of QARDH and Wakalah bil Ujrah that used by the sharia Investree Platform is using a factoring financing model reviewed by the Fatwa DSN-MUI No. 117/DSN-MUI/II/2018 on information technology-based financing services based on Islamic principles.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47635504","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 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.
伊斯兰保险公司必须提高利润，尤其是保费作为主要收入，以实现利润最大化。这也是Sharia单位Bumiputera Muda 1967年普通保险的目的。因此，它需要战略和努力，并尽量减少障碍。其中之一是已到期但尚未收取的应收保费或称为未偿付保费。本研究旨在分析已到期但尚未收取或称为未偿付保费的应收保费的问题。因此，它需要战略和努力，并尽量减少障碍。本研究采用了定性-定量的方法，使用了分析网络过程（ANP）。分析的重点是Sharia Unit Bumiptera Muda 1967 General Insurance的内部外部问题和短期长期解决方案，这些问题有望解决。结果表明，最优先考虑的问题是内部问题，如下：保费支付和计费系统、内部控制以及效率较低的业务处理。同时，最优先的解决方案是短期的，如下：沟通和确认、绩效和运营有效性以及结构性的赞赏和惩罚。结果预计将由保险公司实施，并支持监管机构制定与该问题相关的具体政策。
{"title":"Solusi atas Permasalahan Pengawasan dan Penagihan Outstanding Premi Asuransi Syariah di Indonesia","authors":"Bambang Handoko, Achmad Firdaus","doi":"10.21093/at.v5i2.2138","DOIUrl":"https://doi.org/10.21093/at.v5i2.2138","url":null,"abstract":"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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"89-108"},"PeriodicalIF":0.0,"publicationDate":"2020-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48168298","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 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.
{"title":"Peranan Media Sosial Sebagai Agen Sosialisasi Halal dalam Membangun Kesadaran Halal: Studi Netnografi","authors":"Miftakhul Khasanah","doi":"10.21093/at.v5i2.2116","DOIUrl":"https://doi.org/10.21093/at.v5i2.2116","url":null,"abstract":"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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"139-157"},"PeriodicalIF":0.0,"publicationDate":"2020-06-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48094399","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 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.
本研究旨在分析和解释影响资本结构的因素。资本结构(CS)是用负债权益比(DER)来衡量的。盈利能力由资产收益率(ROA)和净利润率(NPM)决定。存贷比(Loan to Deposit Ratio, LDR)作为衡量风险的指标，本研究旨在分析和解释影响资本结构的因素。资本结构(CS)是由负债与权益比率(DER)衡量的。盈利能力由资产收益率(ROA)和净利润率(NPM)决定。金融存款比率(FDR)被用作风险指标。公司规模是用Ln TA来预测的。本研究的对象为印度尼西亚银行所包含的所有伊斯兰银行，观察期从2010年开始至2018年。本研究的样本选择是有目的的抽样方法。采用Eviews 11软件进行数据分析和假设检验。研究结果表明，伊斯兰银行公司的所有自变量同时对资本结构有显著影响。资产收益率(ROA)和企业规模对资本结构有影响。印尼伊斯兰银行管理者选择从内部资金中获得的资本结构，公司规模越大，就必须对资本结构进行安排，才能获得公司未来的可持续性。公司规模是用Ln TA来预测的。本研究的人口是印度尼西亚银行所包含的所有伊斯兰银行，观察期从2010年开始到2017年。本研究的样本选择是有目的的抽样方法。数据分析和假设检验采用结构方程模型方法，采用SPSS软件。研究结果表明，在伊斯兰教公司中，所有自变量同时对资本结构有显著影响，部分只有贷存比(LDR)变量不影响资本结构;而其他自变量对传统的研究有显著的暂时影响，研究人员自己使用一些相同的变量，并使用PLS 3.0分析工具，有类似的结果，只有风险不影响资本结构。本研究的结论是，伊斯兰银行公司的资本结构与传统银行公司没有差异。
{"title":"The Determinants of Islamic Banking Capital Structure in Indonesia","authors":"Fenty Fauziah, A. Latief, S. Jamal","doi":"10.21093/at.v5i2.1765","DOIUrl":"https://doi.org/10.21093/at.v5i2.1765","url":null,"abstract":"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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-06-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45551430","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}
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.
{"title":"Determinan Keputusan Menjadi Nasabah Jual Beli Valas (Al-Sharf) di Bank Syariah","authors":"M. Musa","doi":"10.21093/at.v5i2.2023","DOIUrl":"https://doi.org/10.21093/at.v5i2.2023","url":null,"abstract":"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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"109-124"},"PeriodicalIF":0.0,"publicationDate":"2020-06-24","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"44506736","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 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.
{"title":"Internalisasi Nilai Kearifan Lokal Pobinci-Binciki Kuli pada Usahawan Buton dalam Etika Bisnis Syariah untuk Mewujudkan Kesejahteraan","authors":"T. Tamsir, M. Abdullah, Hasaruddin Hasaruddin","doi":"10.21093/AT.V5I1.1660","DOIUrl":"https://doi.org/10.21093/AT.V5I1.1660","url":null,"abstract":"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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"1-18"},"PeriodicalIF":0.0,"publicationDate":"2020-01-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"43930275","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 research was motivated by the activities of the Zakat Community Development program carried out by the BAZ NAS 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), t he data sources in this study were primary data obtained from field assistants and assistants from BAZ NAS 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 we re observation, interview and documentation. After the data was collected, the n analyze d usi ng 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.
这项研究的动机是萨曼达市BAZ NAS在萨曼达Loa Buah村Loa Kumba地区开展的Zakat社区发展计划的活动，该计划旨在繁荣社区或基于减贫的赋权计划。本研究为实证研究（现场研究），本研究的数据来源为BAZ NAS Samarinda的现场助理和助理的主要数据。而本研究的受访者为Kelurahan、RT、社区领袖以及BAZNAS Samarida的现场助理、助理和成员。在使用数据收集技术的同时，我们重新观察、访谈和记录。数据收集后，采用定性方法进行分析。该领域的调查结果是，在Loa Kumba地区实施ZCD计划的驱动因素是，有许多人没有工作，该地区近70%的人口处于贫困状态，BAZNAS希望鼓励社区自助。执行该方案的制约因素是资金到位较晚、调解人人数仍然很少、沟通差距以及开展不当活动的类型。Loa Kumba地区发生的变化包括道路、清真寺、学校、水产养殖、畜牧业和渔业等设施，以及大规模包皮环切和医疗等免费卫生项目。这个项目对Loa Kumba社区变得更加繁荣非常有帮助。
{"title":"Analisis Peran Program Zakat Community Development BAZNAS Kota Samarinda Dalam Mengurangi Kemiskinan di Samarinda","authors":"Tikawati Tikawati, Eka Dwi Lestari","doi":"10.21093/at.v5i1.1303","DOIUrl":"https://doi.org/10.21093/at.v5i1.1303","url":null,"abstract":"This research was motivated by the activities of the Zakat Community Development program carried out by the BAZ NAS 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), t he data sources in this study were primary data obtained from field assistants and assistants from BAZ NAS 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 we re observation, interview and documentation. After the data was collected, the n analyze d usi ng 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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"59-73"},"PeriodicalIF":0.0,"publicationDate":"2019-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47317144","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}
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 M SMEs. 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 M SMEs in Islamic banking financing. In addition, Islamic banking in Indonesia is still not optimal in channeling financing to M SMEs. 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.
{"title":"Analisis Pengaruh Inklusi Perbankan Syariah terhadap Pembiayaan UMKM Sektor Halal di Indonesia","authors":"M. Ahyar","doi":"10.21093/AT.V5I1.1716","DOIUrl":"https://doi.org/10.21093/AT.V5I1.1716","url":null,"abstract":"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 M SMEs. 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 M SMEs in Islamic banking financing. In addition, Islamic banking in Indonesia is still not optimal in channeling financing to M SMEs. 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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"19-36"},"PeriodicalIF":0.0,"publicationDate":"2019-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46551903","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 is a study of events aimed at knowing the effects of Ramadhan, to companies listed on the J a karta 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 mont h 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.
{"title":"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","authors":"Ahmad Faih, Rohmatun Nafiah","doi":"10.21093/AT.V5I1.1598","DOIUrl":"https://doi.org/10.21093/AT.V5I1.1598","url":null,"abstract":"This study is a study of events aimed at knowing the effects of Ramadhan, to companies listed on the J a karta 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 mont h 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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"37-47"},"PeriodicalIF":0.0,"publicationDate":"2019-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48190856","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}
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.
本研究的目的是了解2008-2018年盈利能力、偿付能力和商品价格对在印度尼西亚证券交易所上市的矿业公司股价的影响。研究中使用的一些方面包括财务比率，如可变盈利能力的ROE（股本回报率）、EPS（普通股每股收益）和偿付能力的DER（债务与股本比率），以及添加商品价格等外部因素，以了解其如何影响股票价格。本研究采用文献法，使用从印度尼西亚证券交易所网站获得的矿业公司财务报告数据。研究中使用的分析方法是经典的假设检验分析和数据回归面板。本研究使用了一家在2008年至2018年在雅加达伊斯兰指数（JII）注册的数据挖掘公司，作为27家注册公司中的5家公司。共同常数估计方法（Pooled Normal Least Square/PLS）的结果发现，DER和EPS对矿业公司的股价有部分影响，而商品价格对矿业公司股价的影响并不显著。ROE、DER、EPS和大宗商品价格对矿业公司的股价没有显著影响，可以通过R平方0.150565值来证明，这意味着上述变量仅影响15.05%，其余84.95%由本研究未研究的其他变量决定。
{"title":"Determinan Harga Saham Pertambangan di Indonesia","authors":"Adni Dwi Astuti, Moh. Syaiful Anwar","doi":"10.21093/at.v5i1.1662","DOIUrl":"https://doi.org/10.21093/at.v5i1.1662","url":null,"abstract":"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.","PeriodicalId":31300,"journal":{"name":"Altijary","volume":"5 1","pages":"75-88"},"PeriodicalIF":0.0,"publicationDate":"2019-12-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45477325","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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