Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.5292
Ibnu Amin, Faisal Efendi, Mardianton Mardianton
Purpose: This study analyzes how the Padang City Baznas strategy in collecting zakat funds from Non-ASN, Padang City Baznas is able to collect so many zakat funds, so this can be a reference for Baznas in Indonesia.Design/Method/Approach: The author uses data collection techniques in the form of observations and interviews. The data analysis technique used in this study is descriptive and qualitative, which aims to describe the real events that occur in the field.Findings: The Head of Collection Division has a contract employee, where the contract employee is not the same as an ordinary employee, the contract employee receives an honorarium in one month amounting to Rp. 2,100,000 (two million one hundred million rupiah) and must be able to collect zakat as much as Rp. 20,000,000.00 (twenty million rupiah) per month and meaning that within one year the contract employee must be able to collect zakat funds of Rp. 240,000,000.00, (two hundred and forty million rupiah) per year, but if the contract employee is able to exceed the specified limit then the contract employee gets or is given 5% of as many as these excess. In addition, the strategy carried out by Baznas Padang City is to spread in the form of boxes and piggy bank in various places such as restaurants and shops.Originality/Values: The contribution of this research can provide valuable information related to education financing and become a reference of choice for other schools in the expenditure costs that have been set by the government and do not ignore the provisions in sharia economy.
{"title":"Strategy of Padang City Baznas In Collecting Non ASN Zakat Funds","authors":"Ibnu Amin, Faisal Efendi, Mardianton Mardianton","doi":"10.29240/alfalah.v7i2.5292","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.5292","url":null,"abstract":"Purpose: This study analyzes how the Padang City Baznas strategy in collecting zakat funds from Non-ASN, Padang City Baznas is able to collect so many zakat funds, so this can be a reference for Baznas in Indonesia.Design/Method/Approach: The author uses data collection techniques in the form of observations and interviews. The data analysis technique used in this study is descriptive and qualitative, which aims to describe the real events that occur in the field.Findings: The Head of Collection Division has a contract employee, where the contract employee is not the same as an ordinary employee, the contract employee receives an honorarium in one month amounting to Rp. 2,100,000 (two million one hundred million rupiah) and must be able to collect zakat as much as Rp. 20,000,000.00 (twenty million rupiah) per month and meaning that within one year the contract employee must be able to collect zakat funds of Rp. 240,000,000.00, (two hundred and forty million rupiah) per year, but if the contract employee is able to exceed the specified limit then the contract employee gets or is given 5% of as many as these excess. In addition, the strategy carried out by Baznas Padang City is to spread in the form of boxes and piggy bank in various places such as restaurants and shops.Originality/Values: The contribution of this research can provide valuable information related to education financing and become a reference of choice for other schools in the expenditure costs that have been set by the government and do not ignore the provisions in sharia economy.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"25 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128726274","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.5395
Anni Aisyah Hasibuan, Z. Zulpahmi, Nur Wahyudin, Azza Nurlaila
Purpose: The purpose of this research is to analyze the influence of Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO) on Return On Assets (ROA) during the period of 2015-2021 Syariah banks in Indonesia.Design/Method/Approach : . This research is a quantitative study on the population of Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK). The data used for this research were obtained from the data of the Annual Published Financial Report Period 2015 up to 2021. The analysis technique used Partial Least Squares (PLS) which are used to test the inner model and outer model.Findings: The results of this study indicate that partially the FDR variable has a significant negative effect on ROA, and NPF has a significant negative effect on ROA. In comparison, CAR and BOPO have a positive and significant effect on ROA. The predictive ability of these variables on Profitability (ROA) in this study was 46,2% and while the remaining 53,8% was influenced by other factors not included in the study.Originality/Values: It can be concluded that the financing to deposit ratio (FDR), capital adequacy ratio (CAR), non-performing financing (NPF), and Operating Expenses to Operating Income (BOPO) altogether influence the return on assets (ROA). In Islamic Commercial Bank in Indonesia the period 2015 to 2021, non-performing financing (FDR) has a negative effect on ROA, and non-performing financing (NPF) has a negative effect that influences the ROA of Islamic Commercial Bank in Indonesia in the period 2015-2021. Capital adequacy ratio (CAR) has a positive effect on the ROA of Islamic Commercial Bank in Indonesia from 2015 to 2021, and Operating Expenses to Operating Income (BOPO) has a positive effect on the ROA of Islamic Commercial Bank in Indonesia from 2015 to 2021. Banking companies are expected to penalize the financial ratios that can be a reference bank to be able to identify problems and conduct appropriate follow-up improvements. If there is an increase in the NPF, it indicates the ineffectiveness of the loan issued by the bank.
{"title":"The Effect Of Financing To Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses And Operating Income (BOPO) On ROA In Islamic Commercial Ban","authors":"Anni Aisyah Hasibuan, Z. Zulpahmi, Nur Wahyudin, Azza Nurlaila","doi":"10.29240/alfalah.v7i2.5395","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.5395","url":null,"abstract":"Purpose: The purpose of this research is to analyze the influence of Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO) on Return On Assets (ROA) during the period of 2015-2021 Syariah banks in Indonesia.Design/Method/Approach : . This research is a quantitative study on the population of Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK). The data used for this research were obtained from the data of the Annual Published Financial Report Period 2015 up to 2021. The analysis technique used Partial Least Squares (PLS) which are used to test the inner model and outer model.Findings: The results of this study indicate that partially the FDR variable has a significant negative effect on ROA, and NPF has a significant negative effect on ROA. In comparison, CAR and BOPO have a positive and significant effect on ROA. The predictive ability of these variables on Profitability (ROA) in this study was 46,2% and while the remaining 53,8% was influenced by other factors not included in the study.Originality/Values: It can be concluded that the financing to deposit ratio (FDR), capital adequacy ratio (CAR), non-performing financing (NPF), and Operating Expenses to Operating Income (BOPO) altogether influence the return on assets (ROA). In Islamic Commercial Bank in Indonesia the period 2015 to 2021, non-performing financing (FDR) has a negative effect on ROA, and non-performing financing (NPF) has a negative effect that influences the ROA of Islamic Commercial Bank in Indonesia in the period 2015-2021. Capital adequacy ratio (CAR) has a positive effect on the ROA of Islamic Commercial Bank in Indonesia from 2015 to 2021, and Operating Expenses to Operating Income (BOPO) has a positive effect on the ROA of Islamic Commercial Bank in Indonesia from 2015 to 2021. Banking companies are expected to penalize the financial ratios that can be a reference bank to be able to identify problems and conduct appropriate follow-up improvements. If there is an increase in the NPF, it indicates the ineffectiveness of the loan issued by the bank.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132691068","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.5545
Nurfani Arisnawati
Purpose: This study aims to determine the effect of KSSPS Financing, Product and Technology Innovation as Determinants of Growth of MSMEs in Pekalongan City. This study uses descriptive analysis, with a quantitative approach.Design/Method/Approach : The data collection method used in this study was a closed questionnaire. The data was processed by multiple regression analysis with SPSS tools. Prior to data analysis, the instrument was tested with validity and reliability tests. The analysis prerequisite test was also carried out to fulfill the requirements for the regression model data analysis with normality test, linearity test, multicollinearity test and heteroscedasticity test.Findings: The results of this study indicate that there are only 2 independent variables that have a positive and partially significant effect on the dependent variable, namely the product innovation variable with a value of tcount 3.783 > ttable 1.665 with a significance value of 0.000 <0.05 and technology variable with tcount 4.734 > ttable 1.665. with a significance value of 0.000 <0.05. While the KSPPS financing variable partially has no effect on the growth of MSMEs because tcount -0.000 < ttable 1.665 with a significance value of 0.996 > 0.05. However, simultaneously all independent variables affect the dependent variable with a value of fcount 19.001 > ftable 2.72 and a significance value of 0.000 <0.05.Originality/Values: The main contribution of this research concern on find out the benefits of KSPPS Financing to effectively improve the welfare of MSME’s in Pekalongan City.
{"title":"KSPPS Financing, Product Innovation, and Technology as Determinants of MSME Growth in Pekalongan City","authors":"Nurfani Arisnawati","doi":"10.29240/alfalah.v7i2.5545","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.5545","url":null,"abstract":"Purpose: This study aims to determine the effect of KSSPS Financing, Product and Technology Innovation as Determinants of Growth of MSMEs in Pekalongan City. This study uses descriptive analysis, with a quantitative approach.Design/Method/Approach : The data collection method used in this study was a closed questionnaire. The data was processed by multiple regression analysis with SPSS tools. Prior to data analysis, the instrument was tested with validity and reliability tests. The analysis prerequisite test was also carried out to fulfill the requirements for the regression model data analysis with normality test, linearity test, multicollinearity test and heteroscedasticity test.Findings: The results of this study indicate that there are only 2 independent variables that have a positive and partially significant effect on the dependent variable, namely the product innovation variable with a value of tcount 3.783 > ttable 1.665 with a significance value of 0.000 <0.05 and technology variable with tcount 4.734 > ttable 1.665. with a significance value of 0.000 <0.05. While the KSPPS financing variable partially has no effect on the growth of MSMEs because tcount -0.000 < ttable 1.665 with a significance value of 0.996 > 0.05. However, simultaneously all independent variables affect the dependent variable with a value of fcount 19.001 > ftable 2.72 and a significance value of 0.000 <0.05.Originality/Values: The main contribution of this research concern on find out the benefits of KSPPS Financing to effectively improve the welfare of MSME’s in Pekalongan City. ","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":" 83","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"113947434","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.4921
Basar Dikuraisyin, Ghosyi Harfiah Ningrum, Juli Isnaini
Purpose: Modernization has brought the application of waqf to develop in various parts of the country. The reason is, not only in terms of Islam and worship,waqf has close links with legal, social and economic aspects that are highlighted because waqf assets can produce high-value assets whose results can be used for the welfare of the people.Design/Mothod/Approach : Using a qualitative method with a descriptive approach, this study explains how the pattern of asset waqf management in the form of medical devices was launched in a health program by LAZNAS DT Peduli with program partners, starting from planning activities to the realization steps. The main data were obtained through moderate participation observation techniques and semi-structured interview techniques along with the research sample. The data analysis technique includes three activities; data reduction on the main and important things from the results of observations and interviews, followed by data presentation in the form of narrative descriptions, to drawing conclusions to answer the formulation of the problem.Findings: The results of the study explain that management requires continuity of the process. The dynamics obtained from the beginning to the end must be consistent and consistent with the design they have. LAZNAS DT Peduli as a philanthropic institution in waqf management with an innovation model makes initial planning the decisive stage.Originality/Values: Followed by structuring action steps that are packaged in the organizing stage, followed by action steps or realization in order to get results to support the medical device waqf program until supervision of sterilizers has been carried out at the same time to ensure the benefits of medical device waqf are well conveyed.
{"title":"Asset Waqf Management Model in the Health Sector LAZNAS Daarut Tauhiid Peduli Surabaya","authors":"Basar Dikuraisyin, Ghosyi Harfiah Ningrum, Juli Isnaini","doi":"10.29240/alfalah.v7i2.4921","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.4921","url":null,"abstract":"Purpose: Modernization has brought the application of waqf to develop in various parts of the country. The reason is, not only in terms of Islam and worship,waqf has close links with legal, social and economic aspects that are highlighted because waqf assets can produce high-value assets whose results can be used for the welfare of the people.Design/Mothod/Approach : Using a qualitative method with a descriptive approach, this study explains how the pattern of asset waqf management in the form of medical devices was launched in a health program by LAZNAS DT Peduli with program partners, starting from planning activities to the realization steps. The main data were obtained through moderate participation observation techniques and semi-structured interview techniques along with the research sample. The data analysis technique includes three activities; data reduction on the main and important things from the results of observations and interviews, followed by data presentation in the form of narrative descriptions, to drawing conclusions to answer the formulation of the problem.Findings: The results of the study explain that management requires continuity of the process. The dynamics obtained from the beginning to the end must be consistent and consistent with the design they have. LAZNAS DT Peduli as a philanthropic institution in waqf management with an innovation model makes initial planning the decisive stage.Originality/Values: Followed by structuring action steps that are packaged in the organizing stage, followed by action steps or realization in order to get results to support the medical device waqf program until supervision of sterilizers has been carried out at the same time to ensure the benefits of medical device waqf are well conveyed.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124543651","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.4536
Tini Anggraeni, Zakiyyatun Nafilah
Purpose: This study aims to analyze the long-term and short-term impact and influence of premiums, investment returns, inflation and exchange rates on Islamic insurance companies.Design/Method/Approach: This research uses associative which aims to determine the relationship of two or more variables with a quantitative approach. The data collection technique is by using the financial statements of each life insurance company in the sharia business unit. In addition, this study also uses data from government publication reports such as OJK, Bank Indonesia and BPS. The method used is panel data regression and ARDL to determine the long-term and short-term effects.Findings: The results show that from several companies sampled in the study, it is known that the companies that have the most influence on premiums, investment returns, inflation and exchange rates on sharia life insurance profits are PT. Prudential Life Assurance. This is because based on the company's financial statements the premium rate at PT. Prudential Life Assurance since 2016-2020 continues to increase significantly every year. Based on the ARDL method, it is known that in the short term all variables have a significant effect on profits, while in the long term premiums and the exchange rate have a significant effect on profits while investment and investment returns have no effect on profits in the long term.Originality/Values: The contribution of this research can provide information and be used as a reference in research on the analysis of the influence of internal factors and external factors on the profit of Islamic life insurance in Indonesia. In addition, it is hoped that this research will be used as a reference material in determining the decision to use a company's insurance services and with this research it is expected to be a reference for the government to be able to improve the sharia life insurance industry in its development.
目的:本研究旨在分析保费、投资回报、通货膨胀和汇率对伊斯兰保险公司的长期和短期影响和影响。设计/方法/途径:本研究采用关联法，旨在用定量方法确定两个或多个变量之间的关系。数据收集技术是通过使用伊斯兰业务单元中每个人寿保险公司的财务报表。此外，本研究还使用了来自OJK、Bank Indonesia和BPS等政府出版物报告的数据。采用面板数据回归和ARDL方法确定长期和短期效应。研究结果表明:从研究中抽样的几家公司中，我们知道对保费、投资回报、通货膨胀和汇率对伊斯兰寿险利润影响最大的公司是保诚人寿保险公司。这是因为根据公司的财务报表，PT. Prudential Life Assurance自2016-2020年以来的保费率每年都在显著增加。根据ARDL方法可知，短期内各变量对利润有显著影响，长期内溢价和汇率对利润有显著影响，而长期内投资和投资收益对利润没有影响。原创性/价值:本研究的贡献可以为分析印尼伊斯兰人寿保险内部因素和外部因素对利润的影响的研究提供信息和参考。此外，希望本研究能够作为决定使用公司保险服务的决策的参考资料，并期望通过本研究为政府提供参考，以改善伊斯兰教人寿保险业的发展。
{"title":"The Influence of Internal and External Factors on Profits of Sharia Life Insurance Units in Indonesia (2016-2020 Period)","authors":"Tini Anggraeni, Zakiyyatun Nafilah","doi":"10.29240/alfalah.v7i2.4536","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.4536","url":null,"abstract":"Purpose: This study aims to analyze the long-term and short-term impact and influence of premiums, investment returns, inflation and exchange rates on Islamic insurance companies.Design/Method/Approach: This research uses associative which aims to determine the relationship of two or more variables with a quantitative approach. The data collection technique is by using the financial statements of each life insurance company in the sharia business unit. In addition, this study also uses data from government publication reports such as OJK, Bank Indonesia and BPS. The method used is panel data regression and ARDL to determine the long-term and short-term effects.Findings: The results show that from several companies sampled in the study, it is known that the companies that have the most influence on premiums, investment returns, inflation and exchange rates on sharia life insurance profits are PT. Prudential Life Assurance. This is because based on the company's financial statements the premium rate at PT. Prudential Life Assurance since 2016-2020 continues to increase significantly every year. Based on the ARDL method, it is known that in the short term all variables have a significant effect on profits, while in the long term premiums and the exchange rate have a significant effect on profits while investment and investment returns have no effect on profits in the long term.Originality/Values: The contribution of this research can provide information and be used as a reference in research on the analysis of the influence of internal factors and external factors on the profit of Islamic life insurance in Indonesia. In addition, it is hoped that this research will be used as a reference material in determining the decision to use a company's insurance services and with this research it is expected to be a reference for the government to be able to improve the sharia life insurance industry in its development.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"29 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117242792","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.5631
R. Arifin, Muhammad Istan, Mega Ilhamiwati, Ahmad Danu Syaputra
Purpose: Altogether, this study seeks to decrease the gaps left by previous studies that did not address the default policy on the risk of non-performing financing. The purpose of this research is to learn about the process of write off (WO) account settlement in Islamic Banking as well as the loss sharing policy at PT. Bank Mega Syariah.Design/Method/Approach: The researcher utilized a qualitative descriptive approach in this study. This approach is used because the researcher requires only information, explanations, and oral information to compile this research. The data were collected through observation and direct interviews with the research object and documentation.Findings: It can be concluded that there are many stages and processes in the settlement of Write Off (WO) accounts at Bank Mega Syariah KC (Ind. Kantor Cabang, Brach Office) Jambi, including Partial Payments, Gradual Payments, Full Payments, Auctions, Voluntary Guarantees Sales, and through Religious Courts/Local Courts. Bank Mega Syariah hopes that the settlement process can be carried out through Voluntary Guarantee Sale (Ind. Jual Jaminan Sukarela - JJSR) rather than auction or other media. The bank also does not anticipate using auction media in the settlement process because, in addition to being difficult to find potential buyers, the price offered is not in line with what customers expect. Cut Loss policy or cuts below the main outstanding is a policy offered by Bank Mega Syariah to assist in goodness. One of them offers a repayment discount that is less than the outstanding principal (Cut Loss). In addition to being given a discount below the outstanding principal, Bank Mega Syariah KC Jambi also provides easy returns for customers who wish to pay off debts. Repayments that have been approved by the Board of Directors can be paid off in stages within period of 3 (three) months since the approval of the proposed Gradual Cut Loss Memorandum.Originality/Values: The researcher hopes that the findings of this study can help to decrease the gaps left by previous studies that did not address the default policy on the risk of non-performing financing and will help banks make decisions that are mutually lenient.
总而言之，本研究旨在缩小以往研究未解决违约政策对不良融资风险的差距。本研究的目的是了解伊斯兰银行的注销(WO)账户结算过程以及PT. Bank Mega Syariah的损失分担政策。设计/方法/途径:研究者在本研究中采用定性描述方法。使用这种方法是因为研究人员只需要信息、解释和口头信息来编写本研究。通过观察和与研究对象的直接访谈以及文献资料收集数据。调查结果:可以得出结论，在Bank Mega Syariah KC (Ind. Kantor Cabang, branch Office) Jambi，注销(WO)账户的结算有许多阶段和过程，包括部分付款、逐步付款、全额付款、拍卖、自愿担保销售，以及通过宗教法院/地方法院。Mega Syariah银行希望通过自愿担保销售(JJSR)而不是拍卖或其他媒体来进行结算过程。该银行也不希望在结算过程中使用拍卖媒体，因为除了难以找到潜在买家之外，所提供的价格也不符合客户的期望。削减损失政策或削减以下主要突出是一个政策提供的银行大伊斯兰教，以协助善良。其中之一提供的还款折扣低于未偿本金(减少损失)。除了获得低于未偿本金的折扣外，银行Mega Syariah KC Jambi还为希望偿还债务的客户提供轻松的回报。经董事会批准的还款可在提议的《逐步削减亏损备忘录》获得批准后的三(3)个月内分期偿还。原创性/价值:研究者希望本研究的发现可以帮助缩小以往研究没有解决不良融资风险的默认政策所留下的空白，并帮助银行做出相互宽容的决策。
{"title":"Implementation of Islamic Bank Loss Sharing in Completing Write Off Account on Bank Assets (Study at PT Bank Mega Syariah KC Jambi)","authors":"R. Arifin, Muhammad Istan, Mega Ilhamiwati, Ahmad Danu Syaputra","doi":"10.29240/alfalah.v7i2.5631","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.5631","url":null,"abstract":"Purpose: Altogether, this study seeks to decrease the gaps left by previous studies that did not address the default policy on the risk of non-performing financing. The purpose of this research is to learn about the process of write off (WO) account settlement in Islamic Banking as well as the loss sharing policy at PT. Bank Mega Syariah.Design/Method/Approach: The researcher utilized a qualitative descriptive approach in this study. This approach is used because the researcher requires only information, explanations, and oral information to compile this research. The data were collected through observation and direct interviews with the research object and documentation.Findings: It can be concluded that there are many stages and processes in the settlement of Write Off (WO) accounts at Bank Mega Syariah KC (Ind. Kantor Cabang, Brach Office) Jambi, including Partial Payments, Gradual Payments, Full Payments, Auctions, Voluntary Guarantees Sales, and through Religious Courts/Local Courts. Bank Mega Syariah hopes that the settlement process can be carried out through Voluntary Guarantee Sale (Ind. Jual Jaminan Sukarela - JJSR) rather than auction or other media. The bank also does not anticipate using auction media in the settlement process because, in addition to being difficult to find potential buyers, the price offered is not in line with what customers expect. Cut Loss policy or cuts below the main outstanding is a policy offered by Bank Mega Syariah to assist in goodness. One of them offers a repayment discount that is less than the outstanding principal (Cut Loss). In addition to being given a discount below the outstanding principal, Bank Mega Syariah KC Jambi also provides easy returns for customers who wish to pay off debts. Repayments that have been approved by the Board of Directors can be paid off in stages within period of 3 (three) months since the approval of the proposed Gradual Cut Loss Memorandum.Originality/Values: The researcher hopes that the findings of this study can help to decrease the gaps left by previous studies that did not address the default policy on the risk of non-performing financing and will help banks make decisions that are mutually lenient.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"14 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125312729","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.4445
Hamda Sulfinadia, E. Suryani, Jurna Petri Roszi, Elkhairati Elkhairati, Abrian Tanjung
Purpose: This paper is to find out the shift in the marketing strategy of cafes and culinary delights in West Sumatra from the perspective of Islamic business ethics. Basically the naming of cafes and culinary in this area uses the names of people, names of plants, describes the comfort of a place, and uses Arabic terms. However, since 2018 the naming of cafes and culinary delights has instead used terms that are unusual and tend to be scary, such as Mie Hell, Mie Power Hell, Mie Lightning, Mie Judes Neraka and the like. It turns out that these cafes and culinary delights are in demand by young people, so they are booming. This gives the impression that hell and lightning becomes the menu of food consumed. However, the behavior of traders has been regulated in Islam which is summarized in Islamic business ethics which includes monotheism, justice, balance, responsibility and freedom.Design/Method/Approach: This study uses a qualitative method with a descriptive analysis approach. This method is used to describe the shift in the marketing strategy of cafes and culinary that has a negative nuance in West Sumatra. The data sources come from culinary producers, consumers, and the management of the MUI West Sumatra. Data processing is done by code data, tell data, identify data and generalize data. All data obtained by using triangulation with data sources. The next step is to analyze the naming of cafes and culinary that are not common in West Sumatra by using the theory of Islamic business ethics and the results of the West Sumatra MUI Coordination Meeting, so as to obtain conclusions.Findings: First, the factors that cause West Sumatran cafe and culinary owners to choose unusual names are: 1. Showing product characteristics, spicy flavors are displayed with scary and unusual names; 2. Tight business competition triggers culinary owners to be creative by giving unique and unusual names; 3. Unique and unusual names in cafes and culinary delights make consumers curious, then visit and buy their products. Second, the perception of consumers and the people of West Sumatra on the unusual naming of cafes and culinary delights can be divided into 3, namely agree, disagree, disagree and uncomfortable with the unusual naming of cafes and culinary, and the name must be exchanged with another name that is more Third, a review of Islamic business ethics on naming cafes and culinary delights that choose names that are not common in West Sumatra can be divided into 2 groups: 1) The terms used are clearly contrary to the Shari'ah, namely hell, devil, devil, dajal; 2) Naming cafes and restaurants that use names related to ethical violations such as: Mie Padeh Maut, Mie Baro, Mie Caruik, Bakso Pentol Maut, Mie Pedas Maut, Spicy Sopan'Stek, Mie Padeh Gilo, Mie Pelakor, Mie Padeh Gilo, Mie Judes, Lightning Noodles, and the like. Mie Tapakiek, and the like. Islamic business ethics that are violated are the principles of monotheism, justice, balance in the world and the
{"title":"Shifting Cafe and Culinary Marketing Strategy in West Sumatra Islamic Business Ethics Perspective","authors":"Hamda Sulfinadia, E. Suryani, Jurna Petri Roszi, Elkhairati Elkhairati, Abrian Tanjung","doi":"10.29240/alfalah.v7i2.4445","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.4445","url":null,"abstract":"Purpose: This paper is to find out the shift in the marketing strategy of cafes and culinary delights in West Sumatra from the perspective of Islamic business ethics. Basically the naming of cafes and culinary in this area uses the names of people, names of plants, describes the comfort of a place, and uses Arabic terms. However, since 2018 the naming of cafes and culinary delights has instead used terms that are unusual and tend to be scary, such as Mie Hell, Mie Power Hell, Mie Lightning, Mie Judes Neraka and the like. It turns out that these cafes and culinary delights are in demand by young people, so they are booming. This gives the impression that hell and lightning becomes the menu of food consumed. However, the behavior of traders has been regulated in Islam which is summarized in Islamic business ethics which includes monotheism, justice, balance, responsibility and freedom.Design/Method/Approach: This study uses a qualitative method with a descriptive analysis approach. This method is used to describe the shift in the marketing strategy of cafes and culinary that has a negative nuance in West Sumatra. The data sources come from culinary producers, consumers, and the management of the MUI West Sumatra. Data processing is done by code data, tell data, identify data and generalize data. All data obtained by using triangulation with data sources. The next step is to analyze the naming of cafes and culinary that are not common in West Sumatra by using the theory of Islamic business ethics and the results of the West Sumatra MUI Coordination Meeting, so as to obtain conclusions.Findings: First, the factors that cause West Sumatran cafe and culinary owners to choose unusual names are: 1. Showing product characteristics, spicy flavors are displayed with scary and unusual names; 2. Tight business competition triggers culinary owners to be creative by giving unique and unusual names; 3. Unique and unusual names in cafes and culinary delights make consumers curious, then visit and buy their products. Second, the perception of consumers and the people of West Sumatra on the unusual naming of cafes and culinary delights can be divided into 3, namely agree, disagree, disagree and uncomfortable with the unusual naming of cafes and culinary, and the name must be exchanged with another name that is more Third, a review of Islamic business ethics on naming cafes and culinary delights that choose names that are not common in West Sumatra can be divided into 2 groups: 1) The terms used are clearly contrary to the Shari'ah, namely hell, devil, devil, dajal; 2) Naming cafes and restaurants that use names related to ethical violations such as: Mie Padeh Maut, Mie Baro, Mie Caruik, Bakso Pentol Maut, Mie Pedas Maut, Spicy Sopan'Stek, Mie Padeh Gilo, Mie Pelakor, Mie Padeh Gilo, Mie Judes, Lightning Noodles, and the like. Mie Tapakiek, and the like. Islamic business ethics that are violated are the principles of monotheism, justice, balance in the world and the","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115145680","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}
Pub Date : 2022-11-28DOI: 10.29240/alfalah.v7i2.5421
A. Rohim, P. Priyatno, Lili Puspita Sari
Purpose: This study aims to synthesize several research results that have been carried out related to the digitization of waqf management by various waqf nazhir.Design/Method/Approach : A qualitative approach was used in this study with a meta-synthetic method of 20 scientific journal articles that studied digitalization in waqf socialization and waqf collection.Findings: The results of this study indicate that the Indonesian Waqf Board as the locomotive of national waqf management seeks to build a digital waqf ecosystem nationally by going through several stages. Starting from BWI's internal digitization, digitizing nazhir waqf and integrating waqf data. In addition, the process of accelerating the strengthening of the digital ecosystem through innovation in digital waqf management is also carried out. In the socialization process, waqf is introduced to the public through the use of various digital platforms, such as websites and social media. The socialization covers the basic concept of waqf to an invitation to waqf to the community.Originality/Values: The process of collecting waqf has also been transformed by utilizing various digital payment applications (e-payments) that offer convenience and flexibility for waqf to make waqf.
{"title":"Transformation of Waqf Management in The Digital Era: A Meta Synthesis Study","authors":"A. Rohim, P. Priyatno, Lili Puspita Sari","doi":"10.29240/alfalah.v7i2.5421","DOIUrl":"https://doi.org/10.29240/alfalah.v7i2.5421","url":null,"abstract":"Purpose: This study aims to synthesize several research results that have been carried out related to the digitization of waqf management by various waqf nazhir.Design/Method/Approach : A qualitative approach was used in this study with a meta-synthetic method of 20 scientific journal articles that studied digitalization in waqf socialization and waqf collection.Findings: The results of this study indicate that the Indonesian Waqf Board as the locomotive of national waqf management seeks to build a digital waqf ecosystem nationally by going through several stages. Starting from BWI's internal digitization, digitizing nazhir waqf and integrating waqf data. In addition, the process of accelerating the strengthening of the digital ecosystem through innovation in digital waqf management is also carried out. In the socialization process, waqf is introduced to the public through the use of various digital platforms, such as websites and social media. The socialization covers the basic concept of waqf to an invitation to waqf to the community.Originality/Values: The process of collecting waqf has also been transformed by utilizing various digital payment applications (e-payments) that offer convenience and flexibility for waqf to make waqf. ","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"48 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-11-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116901499","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}
Pub Date : 2022-05-29DOI: 10.29240/alfalah.v7i1.3631
S. Lahuri, Muhammad Rizal Pranoto
Purpose: This study aims to present perfume used as a product in halal standardization. Halal standards in products are currently in legal interest to ensure the quality and trustworthiness of products that are widely circulating in the market. The application of halal standardization must be considered by all consumers, especially by students and teachers as people who know and learn about Islamic teaching. Like in the phenomenon of previous research found the humans are using perfume only to preserve appearances without any attention for the essential elements of the product.Design/Method/Approach: The approach in this research is to use descriptive qualitative methods. In connection with this, data collection was also carried out regarding the number of students and teachers, the number and type of perfume, as well as sales data and applicable halal product standards. The research data was obtained from the interview of the students and the teachers of Darussalam Gontor Islamic Institution in Magelang.Findings: The results of this study found some of the students and teachers at the Darussalam Gontor Modern Islamic Institution Magelang are using the perfume as cosmetics daily use. The sales data and the applicable halal product standards concluded that perfume products sold by the operation section and mini market and used by most of the students and teacher, have not all had halal standards and certificates. In addition, both students and teachers still do not know about the halal standards that apply to perfume products.Originality/Values: It can be concluded that the research perfume products sold by the student and teachers have not all had halal standards and certificates. However, MUI still urges the public to choose cosmetics that are halal and avoid cosmetic products that are unclean or haram.
{"title":"Halal Cosmetics Products Used in Islamic Boarding School Analysis of the Halal Product Standard of Fatwa (MUI)","authors":"S. Lahuri, Muhammad Rizal Pranoto","doi":"10.29240/alfalah.v7i1.3631","DOIUrl":"https://doi.org/10.29240/alfalah.v7i1.3631","url":null,"abstract":"Purpose: This study aims to present perfume used as a product in halal standardization. Halal standards in products are currently in legal interest to ensure the quality and trustworthiness of products that are widely circulating in the market. The application of halal standardization must be considered by all consumers, especially by students and teachers as people who know and learn about Islamic teaching. Like in the phenomenon of previous research found the humans are using perfume only to preserve appearances without any attention for the essential elements of the product.Design/Method/Approach: The approach in this research is to use descriptive qualitative methods. In connection with this, data collection was also carried out regarding the number of students and teachers, the number and type of perfume, as well as sales data and applicable halal product standards. The research data was obtained from the interview of the students and the teachers of Darussalam Gontor Islamic Institution in Magelang.Findings: The results of this study found some of the students and teachers at the Darussalam Gontor Modern Islamic Institution Magelang are using the perfume as cosmetics daily use. The sales data and the applicable halal product standards concluded that perfume products sold by the operation section and mini market and used by most of the students and teacher, have not all had halal standards and certificates. In addition, both students and teachers still do not know about the halal standards that apply to perfume products.Originality/Values: It can be concluded that the research perfume products sold by the student and teachers have not all had halal standards and certificates. However, MUI still urges the public to choose cosmetics that are halal and avoid cosmetic products that are unclean or haram.","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"17 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120949999","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}
Pub Date : 2022-05-29DOI: 10.29240/alfalah.v7i1.3607
Eti Jumiati
Purpose: This paper examines the “effect of human capital management practices and HRM Development and the Islamic economics as mediation on evaluating the role of mediation in human resources management and employee commitment in several companies in Purwakarta Regency.Design/Method/Approach: This research uses quantitative research methods. The analysis technique used is path analysis or SEM (Structural Equation Modeling) which is operated with the Smart PLS 3.0 application. The samples used were 75 respondents who were taken randomly from several companies in Purwakarta Regency. Testing begins with validity and reliability tests. Followed by Confirmatory Analysis Test and SEM Processing with Smart PLS. Citation using Zotero.Findings: The HCM variable does not directly affect employee commitment by 0.518 < 1.96, so the null hypothesis is accepted and hypothesis 1 is rejected. So the HRM variable has a direct effect on employee commitment of 1.755 > 1.96, so the null hypothesis is rejected and hypothesis 1 is accepted. Islamic economic variables have a direct effect on employee commitment of 2.801 > 1.96, so the null hypothesis is rejected and hypothesis 1 is accepted. And the HCM variable has no indirect effect, namely through sharia economics on employee commitment of 1.814 < 1.96. So the HRM variable has an indirect effect, namely through sharia economics on employee commitment of 2,333 > 1.96Originality/Value: The main contribution of this research is to provide input to employees that human capital management combined with Islamic economics will have an impact on HR development.
{"title":"The Effect of HCM Practices and HRM Development and Islamic Economics as Mediation on Employee Commitment in Purwakarta Regency","authors":"Eti Jumiati","doi":"10.29240/alfalah.v7i1.3607","DOIUrl":"https://doi.org/10.29240/alfalah.v7i1.3607","url":null,"abstract":"Purpose: This paper examines the “effect of human capital management practices and HRM Development and the Islamic economics as mediation on evaluating the role of mediation in human resources management and employee commitment in several companies in Purwakarta Regency.Design/Method/Approach: This research uses quantitative research methods. The analysis technique used is path analysis or SEM (Structural Equation Modeling) which is operated with the Smart PLS 3.0 application. The samples used were 75 respondents who were taken randomly from several companies in Purwakarta Regency. Testing begins with validity and reliability tests. Followed by Confirmatory Analysis Test and SEM Processing with Smart PLS. Citation using Zotero.Findings: The HCM variable does not directly affect employee commitment by 0.518 < 1.96, so the null hypothesis is accepted and hypothesis 1 is rejected. So the HRM variable has a direct effect on employee commitment of 1.755 > 1.96, so the null hypothesis is rejected and hypothesis 1 is accepted. Islamic economic variables have a direct effect on employee commitment of 2.801 > 1.96, so the null hypothesis is rejected and hypothesis 1 is accepted. And the HCM variable has no indirect effect, namely through sharia economics on employee commitment of 1.814 < 1.96. So the HRM variable has an indirect effect, namely through sharia economics on employee commitment of 2,333 > 1.96Originality/Value: The main contribution of this research is to provide input to employees that human capital management combined with Islamic economics will have an impact on HR development. ","PeriodicalId":344360,"journal":{"name":"AL-FALAH : Journal of Islamic Economics","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-05-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130240747","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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