Pub Date : 2021-06-20DOI: 10.52490/at-tijarah.v3i1.1264
Syaeful Bakhri, M. Rana, Anez Yuniar Pradini
As a product that has just been listed on the stock exchange, this Exchange Traded Fund (ETF) has attracted the attention of various lines of capital market investors. ETF is known as one of the mutual fund product innovations as a follow-up to POJK No. 49/POJK.04/2015. This study is a descriptive study of this product with all the features and advantages and uniqueness it has as a form of diversification of existing mutual fund products. This study also seeks to explore the strengths and weaknesses of ETFs both internally and externally. Interestingly, this descriptive study presents data on investor enthusiasm for ETF products. One of the main attractions of this product is that apart from being traded on the stock exchange, the price is also very cheap. Not only explaining in terms of products and their uniqueness, but this study also discusses the review of Islamic law on ETF transactions on the stock exchange. When compared with the practice of buying and selling, there are many similarities. And there are several other interesting factors to observe regarding the considerations of investors in choosing mutual fund instruments, especially ETFs as an alternative to new investments in the capital market.
{"title":"THE ROLE OF EXCHANGE TRADED FUND TO DRIVE THE GROWTH OF THE MUTUAL FUND INDUSTRY IN THE CAPITAL MARKET ACCORDING TO A REVIEW OF ISLAMIC LAW","authors":"Syaeful Bakhri, M. Rana, Anez Yuniar Pradini","doi":"10.52490/at-tijarah.v3i1.1264","DOIUrl":"https://doi.org/10.52490/at-tijarah.v3i1.1264","url":null,"abstract":"As a product that has just been listed on the stock exchange, this Exchange Traded Fund (ETF) has attracted the attention of various lines of capital market investors. ETF is known as one of the mutual fund product innovations as a follow-up to POJK No. 49/POJK.04/2015. This study is a descriptive study of this product with all the features and advantages and uniqueness it has as a form of diversification of existing mutual fund products. This study also seeks to explore the strengths and weaknesses of ETFs both internally and externally. Interestingly, this descriptive study presents data on investor enthusiasm for ETF products. One of the main attractions of this product is that apart from being traded on the stock exchange, the price is also very cheap. Not only explaining in terms of products and their uniqueness, but this study also discusses the review of Islamic law on ETF transactions on the stock exchange. When compared with the practice of buying and selling, there are many similarities. And there are several other interesting factors to observe regarding the considerations of investors in choosing mutual fund instruments, especially ETFs as an alternative to new investments in the capital market.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"140 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114293143","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 : 2021-06-20DOI: 10.52490/at-tijarah.v3i1.1168
Jureid Jureid
The outbreak of Covid-19 in Mandailing Natal has caused several problems in the economic, educational and social fields. The problems that occur certainly really need the role of Baznas in overcoming them. The purpose of this research is to find out how the distribution of zakat in the process of preventing Covid-19 in Mandailing Natal and to know the perspective of maqashid sharia on this distribution. The method used in this research is descriptive qualitative method in the review of maqashid sharia. The results of the research show that the zakat distribution mechanism is carried out by means of Baznas actively engaging the community to call for zakat, it is even recommended to the public to take part in paying without having to be visited by Baznas or other policies including the muzakki's own workplace. Zakat distributed is not only in the form of money or food but is adjusted to the needs of the people affected by Covid-19 and is distributed periodically and Baznas is actively monitoring and evaluating the program. Zakat as an Islamic fiscal instrument has helped ease the burden on people affected by Covid. Consumptive zakat or productive zakat can be a mental solution and make the mustahik prosperous. Zakat together with its derivatives has brought enormous benefits to affected communities or other mustahiks. Zakat can guarantee the continuity of life in various aspects including maintaining life, property, religion, reason and of course zakat is the main object of maqashid sharia towards a prosperous society
{"title":"ANALISIS DISTRIBUSI ZAKAT PADA BAZNAS DALAM PENCEGAHAN COVID-19 DITINJAU DARI MAQASHID SYARIAH","authors":"Jureid Jureid","doi":"10.52490/at-tijarah.v3i1.1168","DOIUrl":"https://doi.org/10.52490/at-tijarah.v3i1.1168","url":null,"abstract":"The outbreak of Covid-19 in Mandailing Natal has caused several problems in the economic, educational and social fields. The problems that occur certainly really need the role of Baznas in overcoming them. The purpose of this research is to find out how the distribution of zakat in the process of preventing Covid-19 in Mandailing Natal and to know the perspective of maqashid sharia on this distribution. The method used in this research is descriptive qualitative method in the review of maqashid sharia. The results of the research show that the zakat distribution mechanism is carried out by means of Baznas actively engaging the community to call for zakat, it is even recommended to the public to take part in paying without having to be visited by Baznas or other policies including the muzakki's own workplace. Zakat distributed is not only in the form of money or food but is adjusted to the needs of the people affected by Covid-19 and is distributed periodically and Baznas is actively monitoring and evaluating the program. Zakat as an Islamic fiscal instrument has helped ease the burden on people affected by Covid. Consumptive zakat or productive zakat can be a mental solution and make the mustahik prosperous. Zakat together with its derivatives has brought enormous benefits to affected communities or other mustahiks. Zakat can guarantee the continuity of life in various aspects including maintaining life, property, religion, reason and of course zakat is the main object of maqashid sharia towards a prosperous society","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"8 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129664393","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 : 2020-12-12DOI: 10.52490/AT-TIJARAH.V2I2.961
Ali Muhayatsyah
Al-Ghazali's views on economy and business are not limited to philosophical plains, but are a combination of real conditions that occur in society with philosophical values, accompanied by logical arguments. Al-Ghazali in his thoughts about business economics is based on the Sufism approach which he wrote in his book Ihya 'Ulum al-Din. As a matter of fact, there are still many practices of tadlis (unknown to one party), namely violating the principle of “an taraddin minkum”. The practice of tadlis occurs because of four things, namely quantity reduction of the scale; quality, namely the concealment of object defects; price engineering takes advantage of market price ignorance; uncertainty of delivery time, namely the seller does not know for sure the goods will be delivered to the buyer. In addition, we often encounter market engineering practices. Al-Ghazali paid considerable attention to economic and business activities in society, including the utility hierarchy and its characteristics in the corridor of social obligations to social welfare (maslahah). In addition, al-Ghazali views the ultimate goal is salvation. Work is part of worship is evidence of the work ethic created through extrarelgious efforts. That the intention of someone's behavior in accordance with Divine rules in every economic activity can be of worship value. Al-Ghazali has a view of market ethics that emphasizes truth and honesty, which can be applied to market evolution and the role of money based on the ethics and morals of the perpetrators. Al-Ghazali argued that the state must create security conditions to enhance prosperity and economic development. The existence of state institutions, to monitor adverse market practices. Al-Ghazali stated that trade activities are essential to the functionalization of the economy, the need for secure and safe trade routes, and the state should provide protection so that markets can expand and the economy can grow. Keywords: Islamic Business Ethics, Maslahah, Work Ethics. Abstrak Pandangan al-Ghazali mengenai ekonomi dan bisnis tidak terbatas pada dataran filosofis, melainkan perpaduan antara kondisi riil yang terjadi dalam masyarakat dengan nilai-nilai filosofis, disertai argumen yang logis. Al-Ghazali dalam pemikirannya seputar ekonomi bisnis didasarkan pada pendekatan tasawuf yang beliau tuangkan dalam karyanya kitab Ihya ’Ulum al-Din. Sebagaimana fakta yang terjadi praktek bisnis masih banyak terjadi praktek tadlis (unknown to one party) yaitu melanggar prinsip “an taraddin minkum”. Praktek tadlis terjadi karena empat hal, kuantitas yaitu pengurangan timbangan; kualitas yaitu penyembunyian kecacatan obyek; rekayasa harga memanfaatkan ketidaktahuan harga pasar; ketidakpastian waktu penyerahan yaitu penjual tidak mengetahui secara pasti barang akan diserahkan kepada pembeli. Selain itu juga sering kita jumpai praktek rekayasa pasar. Al-Ghazali memberikan perhatian yang cukup besar terhadap aktivitas ekonomi dan bisnis d
Al-Ghazali关于经济和商业的观点并不局限于哲学的平原，而是将社会中发生的真实情况与哲学价值相结合，并伴随着逻辑论证。Al-Ghazali关于商业经济学的思想是基于他在他的书Ihya 'Ulum al-Din中所写的苏菲主义方法。事实上，仍有许多不为一方所知的tadlis做法，即违反了“an taraddin minkum”原则。出现小蝌蚪的做法有四个原因，即数量减少了规模;质量，即对客体缺陷的隐瞒;价格工程利用了市场对价格的无知;交货时间的不确定性，即卖方不确定货物是否会交付给买方。此外，我们经常会遇到市场工程实践。Al-Ghazali相当关注社会中的经济和商业活动，包括效用等级及其在社会福利的社会义务(maslahah)走廊中的特征。此外，al-Ghazali认为最终目标是救赎。工作是崇拜的一部分，是通过宗教外的努力创造的职业道德的证据。在每一项经济活动中，某人的行为意图符合神圣的规则，可以具有崇拜价值。Al-Ghazali的市场伦理观点强调真实和诚实，这可以应用于市场演变和基于肇事者的伦理道德的货币的作用。Al-Ghazali认为，国家必须创造安全条件，以促进繁荣和经济发展。国家机构的存在，监督不利的市场行为。Al-Ghazali表示，贸易活动对经济的运作至关重要，需要安全可靠的贸易路线，国家应该提供保护，以便市场能够扩大，经济能够增长。关键词:伊斯兰商业伦理，Maslahah，职业伦理。【摘要】Pandangan al-Ghazali mengenai economics, danisistiak terbatas pada dataran filosofis, melainkan perpadan kondisi riil, terjadi dalam masyarakat dengan nilai-nilai filosofis, disertai argument yang logic。这是一种特殊的经济形式，是一种特殊的经济形式，是一种特殊的经济形式，是一种特殊的经济形式。Sebagaimana fakta yang terjadi praktek bisnis masih banyak terjadi praktek tadlis(一方未知)yitu melanggar prinsip“an taraddin minkum”。Praktek tadlis terjadi karena empat hal, kuantitas yitu pengurangan timbangan;新疆维吾尔自治区;Rekayasa harga memanfaatkan ketidaktahuan harga pasar;Ketidakpastian waktu penyerahan yitu penjual tidak mengetahui secara pasti barang akan diserahkan kepaada penbeli。Selain itjuga服务于kita jumpai praktek rekayasa pasar。Al-Ghazali的成员，例如perhatitias aktivitas ekonomi danbisnis dalam masyarakat, termasukhierarki utilitas dankarakteristiknya dalam koridor kewajiban social (maslahah)。Selain itu al-Ghazali memandang tujuan akhir adalah keselamatan。Bekerja merupakan bagian dari ibadah merupakan bukti ettos kerja yang diciptakan melalui upaya ekstraregius。Bahwa niat perakaku seseorang yang sesseuang dendenan aturan Ilahi dalam经济活动与Ibadah有关。Al-Ghazali mempunyai pandangan tentang etika pasar yang menitikberatkan pada kebenaran dan kejujuan, yang dapat diapplikasikan pada evolusi pasar dan peranan，在这里翻译为:这是一种经济上的繁荣，是一种经济上的繁荣。我是说，我是说，我是说，我是说，我是说，我是说，我是说，我是说，我是说。Al-Ghazali menyatakan bahwa kegiatan perdagangan merupakan hal yang必要的terhapponsionalisisperekonomian, perlunya rute perdagangan yang terjamindanaman, serta negara seharusnya成员kan perlindungan, sehinga pasar dapat meluas danekonomi dapattumbuh。Kata kunci: Etika Bisnis Islam, Maslahah, Etos Kerja。
{"title":"ETIKA BISNIS ISLAM DALAM PERSPEKTIF PEMIKIRAN AL-GHAZALI","authors":"Ali Muhayatsyah","doi":"10.52490/AT-TIJARAH.V2I2.961","DOIUrl":"https://doi.org/10.52490/AT-TIJARAH.V2I2.961","url":null,"abstract":"Al-Ghazali's views on economy and business are not limited to philosophical plains, but are a combination of real conditions that occur in society with philosophical values, accompanied by logical arguments. Al-Ghazali in his thoughts about business economics is based on the Sufism approach which he wrote in his book Ihya 'Ulum al-Din. As a matter of fact, there are still many practices of tadlis (unknown to one party), namely violating the principle of “an taraddin minkum”. The practice of tadlis occurs because of four things, namely quantity reduction of the scale; quality, namely the concealment of object defects; price engineering takes advantage of market price ignorance; uncertainty of delivery time, namely the seller does not know for sure the goods will be delivered to the buyer. In addition, we often encounter market engineering practices. \u0000Al-Ghazali paid considerable attention to economic and business activities in society, including the utility hierarchy and its characteristics in the corridor of social obligations to social welfare (maslahah). In addition, al-Ghazali views the ultimate goal is salvation. Work is part of worship is evidence of the work ethic created through extrarelgious efforts. That the intention of someone's behavior in accordance with Divine rules in every economic activity can be of worship value. Al-Ghazali has a view of market ethics that emphasizes truth and honesty, which can be applied to market evolution and the role of money based on the ethics and morals of the perpetrators. \u0000Al-Ghazali argued that the state must create security conditions to enhance prosperity and economic development. The existence of state institutions, to monitor adverse market practices. Al-Ghazali stated that trade activities are essential to the functionalization of the economy, the need for secure and safe trade routes, and the state should provide protection so that markets can expand and the economy can grow. \u0000 \u0000Keywords: Islamic Business Ethics, Maslahah, Work Ethics. \u0000 \u0000 \u0000Abstrak \u0000Pandangan al-Ghazali mengenai ekonomi dan bisnis tidak terbatas pada dataran filosofis, melainkan perpaduan antara kondisi riil yang terjadi dalam masyarakat dengan nilai-nilai filosofis, disertai argumen yang logis. Al-Ghazali dalam pemikirannya seputar ekonomi bisnis didasarkan pada pendekatan tasawuf yang beliau tuangkan dalam karyanya kitab Ihya ’Ulum al-Din. Sebagaimana fakta yang terjadi praktek bisnis masih banyak terjadi praktek tadlis (unknown to one party) yaitu melanggar prinsip “an taraddin minkum”. Praktek tadlis terjadi karena empat hal, kuantitas yaitu pengurangan timbangan; kualitas yaitu penyembunyian kecacatan obyek; rekayasa harga memanfaatkan ketidaktahuan harga pasar; ketidakpastian waktu penyerahan yaitu penjual tidak mengetahui secara pasti barang akan diserahkan kepada pembeli. Selain itu juga sering kita jumpai praktek rekayasa pasar. \u0000Al-Ghazali memberikan perhatian yang cukup besar terhadap aktivitas ekonomi dan bisnis d","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-12-12","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134484602","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 : 2020-12-12DOI: 10.52490/AT-TIJARAH.V2I2.963
U. Ubaidillah, Tri Puji Astuti
This study aims to measure the performance of Islamic banks using the SCnP Model. The population of this study is all Islamic commercial banks registered with the OJK from 2017-2019. The sampling technique used purposive sampling, while the data analysis technique was descriptive. The SCnP model has two variables, namely Shariah Conformity with Islamic Income Ratio indicators, Islamic Investment Ratio and Profit Sharing Ratio and Profitability with Return On Assets (ROA), Return On Equity (ROE) and Profit Margin Ratio indicators. The analysis on the SCnP results is that Islamic banks are spread out in four quadrants (ULQ, LLQ, URQ and LRQ) and recommends a sample of research banks, namely subsidiaries of state-owned banks namely Bank Syariah Mandiri, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah. The results of the study show that for three years, 2017-2019, the results show that Islamic banks are spread out in only two quadrants, namely the Lower Left Quadrant (LLQ) and the Upper Left Quadrant (ULQ). Keywords: Financial Performance, Islamic Commercial Banks, Shariah Conformity and Profitability (SCnP) Model Abstrak Penelitian ini bertujuan untuk mengukur kinerja bank syariah dengan menggunakan SCnP Model. Populasi penelitian ini adalah semua bank umum syariah yang terdaftar di OJK dari tahun 2017-2019. Teknik pengambilan sampel menggunakan purposive sampling, sementara teknik analisis data berupa deskriptif. Model SCnP memiliki dua variabel, yaitu Shariah Conformity dengan indikator Islamic Income Ratio, Islamic Investment Ratio dan Profit Sharing Ratio dan Profitability dengan indikator Return On Assets (ROA), Return On Equity (ROE) dan Profit Margin Ratio. Analisis pada hasil SCnP yaitu, bank syariah tersebar dalam empat kuadran (ULQ, LLQ, URQ dan LRQ) dan merekomendasikan sampel bank penelitian yaitu anak perusahaan dari bank BUMN yakni Bank Syariah Mandiri, Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah. Hasil dari penelitian menunjukkan selama tiga tahun yaitu 2017-2019 menunjukkan hasil bahwa bank syariah tersebar dalam dua kuadran saja, yaitu Lower Left Quadrant (LLQ) dan Upper Left Quadrant (ULQ). Kata kunci: Kinerja Keuangan, Bank Umum Syariah, Shariah Conformity and Profitability (SCnP) Model
本研究旨在使用SCnP模型来衡量伊斯兰银行的绩效。本研究的对象是2017-2019年在OJK注册的所有伊斯兰商业银行。抽样技术采用目的性抽样，而数据分析技术采用描述性抽样。SCnP模型有两个变量，分别是伊斯兰教法符合性与伊斯兰收入比率指标、伊斯兰投资比率和利润分享比率指标以及盈利能力与资产收益率(ROA)、净资产收益率(ROE)和利润率比率指标。对SCnP结果的分析是，伊斯兰银行分布在四个象限(ULQ, LLQ, URQ和LRQ)，并推荐了一个研究银行样本，即国有银行的子公司，即Mandiri银行，Bank Negara Indonesia Syariah, Bank Rakyat Indonesia Syariah。研究结果表明，在2017-2019年的三年中，结果表明伊斯兰银行仅分布在两个象限，即左下象限(LLQ)和左上象限(ULQ)。关键词:财务绩效，伊斯兰商业银行，伊斯兰教法符合性和盈利能力(SCnP)模型2017-2019年，中国人民对伊斯兰教的信仰和信仰进行了分析。天津天津样本有目的采样，天津天津数据分析及分析。模型采用SCnP记忆双变量，依图伊斯兰教符合性指标伊斯兰教收入比、伊斯兰教投资比、伊斯兰教利润分享比、伊斯兰教盈利能力指标资产收益率(ROA)、净资产收益率(ROE)和利润率比。分析数据库为SCnP数据库，银行伊斯兰教数据库，银行伊斯兰教数据库，银行伊斯兰教数据库，银行伊斯兰教数据库，银行伊斯兰教数据库，银行伊斯兰教数据库，银行伊斯兰教数据库。哈西尔达里penelitian menunjukkan selama tiga tahun yitu 2017-2019 menunjukkan Hasil bahwa bank ysariah tersebar dalam dua kuadran saja, yitu左下象限(LLQ)和左上象限(ULQ)。Kata kunci: Kinerja Keuangan, Bank Umum ysariah, ysariah Conformity and Profitability (SCnP) Model
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Pub Date : 2020-12-12DOI: 10.52490/AT-TIJARAH.V2I2.962
Husni Kamal, Arinal Rahmati
Islamic law has been stipulated by Allah is for human advantage, both in worldly life and in the hereafter. In order to prove that Islamic economics remains relevant whenever and wherever the objectives of maqashid shariah is needed to be implemented for creating innovative products. By doing so, shariah financial institutions are able to compete with the conventional, and at the same time they stay true to Islamic teaching principles. This article aims firstly to examine the concept of maqashid shariah on new product development of Islamic financial institution, and secondly to explore the suitability of shariah banking product with the principles of maqashid shariah. In nature, the purpose of the implementation of Shariah transactional system is for seeking human benefit both in this life and hereafter. Hence, the concept of maqashid shariah should be able to be integrated into Shari’ah banking so that its products can be hopefully broader. In short, through maqashid shariah, it creates innovative products of shariah financial institutions. Keyword: Maqashid Shariah, Islamic Financial, Islamic Banking. Abstrak Setiap hukum yang ditetapkan Allah kepada ummatnya terdapat kemashlahatan baik didunia maupun di akhirat, untuk menjawab bahwa ekonomi Islam sesuai dengan kondisi zaman maka maqashid syariah sangat diperlukan untuk menciptakan produk yang inovatif sehingga lembaga keuangan syariah bisa bersaing dengan produk lembaga keuangan konvensional dan tidak bertentangan dengan prisnsip-prinsip Islam. Artikel ini bertujuan untuk mengkaji konsep maqashid syariah dalam pengembangan produk lembaga keuangan islam, secara khusus, artikel ini juga melihat kesesuaian produk yang ditawarkan oleh perbankan syariah agar sesuai dengan konsep yang telah dituangkan dalam maqashid syariah, karena pada hakikatnya melakukan transaksi dengan sistem syariah bukan saja mencari keuntungan di dunia saja, namun juga untuk mencapai maslahah dunia akhirat, oleh karena itu, konsep maqashid syariah harus mampu di integrasikan kedalam perbankan syariah agar produk yang dihasilkan tidak kaku dan sempit sehingga terhambat terhadap perkembangan lembaga keuangan syariah. harapannya, dengan memahami konsep maqashid syariah maka diharapkan bisa menciptakan produk-produk inovatif di lembaga keuangan syariah. Kata kunci: Maqashid Syariah, Keuangan Islam, Bank Syariah
安拉所规定的伊斯兰教法是为了人类的利益，无论是在现世还是在后世。为了证明伊斯兰经济学无论何时何地都是相关的，需要实施maqashid伊斯兰教法的目标，以创造创新产品。通过这样做，伊斯兰教法金融机构能够与传统金融机构竞争，同时又能忠实于伊斯兰教义原则。本文首先考察了伊斯兰教法概念对伊斯兰金融机构新产品开发的影响，其次探讨了伊斯兰教法原则对伊斯兰银行产品的适用性。在本质上，伊斯兰教法交易制度的实施目的是为了寻求人类今生和来世的利益。因此，maqashid shariah的概念应该能够整合到伊斯兰银行中，以便其产品可以更广泛。简而言之，通过maqashid shariah，它创造了伊斯兰金融机构的创新产品。关键词:伊斯兰教法，伊斯兰金融，伊斯兰银行。[摘要][中文摘要][中文摘要][中文摘要][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][中文][英文][中文]。Artikel ini bertujuan untuk mengkaji konsep maqashid伊斯兰教，konsep khusus, Artikel ini juga melashid伊斯兰教，akara khusus, Artikel ini juga melashid伊斯兰教，akara khusus, Artikel ini juga melashid伊斯兰教，akara khusus, Artikel ini juga melashid伊斯兰教，kakaka kakakya makashid伊斯兰教，karena paada hakikatnya melakukan transaksi dengan system伊斯兰教，bukan saja menja kuntungan di dunia saja, namun juga untuk menapai maslahah dunia akirat, oleh karena，Konsep maqashid伊斯兰教法harus mampu di integrasikan kedalam perbankan伊斯兰教法AGAR产品Yang dihasilkan tidak kaku Dan sempit seingga terhambat terhadap perkembangan lembaga keuangan伊斯兰教法。希望之光，希望之光，希望之光，希望之光，希望之光，希望之光，希望之光，希望之光。Kata kunci: Maqashid伊斯兰教，Keuangan伊斯兰教，Bank伊斯兰教
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Pub Date : 2019-12-27DOI: 10.52490/at-tijarah.v1i2.717
Sjafruddin Sjafruddin
Banking plays a very important role in the economy along with its function to channel funds from parties who have excess funds (surplus of funds) to those who need funds (lack of funds). If the banking industry does not work well, the economy will become inefficient and the expected economic growth will not be achieved. The risks that are always inherent in the financial and banking sectors, can trigger a crisis at any time and result in a collapse of the country's economy. To overcome the impact of the crisis, the government must pay quite large public costs. This article analyzes several important concepts, namely bank risk and the contagion effect, the operation of a deposit guarantee system that has been implemented in various countries after a financial crisis and how the deposit guarantee program is implemented in Indonesia. The results show that the Deposit Insurance System (DIS) can be implemented through law enforcement system, market discipline, political and economic freedom, low levels of corruption, strict regulations inbanking sector, setting an adequate deposit insurance premium based on the level of bank risk , and selective deposit guarantees. Keywords: Deposit Insurance System,Indonesia Deposit Insurance Corporation, Risk Abstrak Perbankan memegang peran yang sangat penting dalan perekonoman seiring dengan fungsinya untuk menyalurkan dana dari pihak yang mempunyai kelebihan dana (surplus of funds) kepada pihak-pihak yang membutuhkan dana (lack of funds). Apabila industri perbankan tidak bekerja dengan baik, maka perekonomian menjadi tidak efisien dan pertumbuhan ekonomi yang diharapkan tidak akan tercapai. Risiko yang selalu melekat dalam sektor keuangan dan perbankan, dapat memicu terjadinya krisis sewaktu-waktu dan berakibat lumpuhnya ekonomi negara. Untuk menanggulangi dampak krisis tersebut, pemerintah harus mengeluarkan biaya publik cukup besar. Artikel ini menganalisis beberapa konsep penting, yaitu risiko bank dan efek penularan (Contagion Effect),penyelenggaraan sistem penjaminan simpanan yang telah di implementasikan berbagai negara setelah terjadi krisis keuangan dan bagaimana implementasi program penjaminan simpanan di Indonesia.Hasilnya menunjukkan bahwaDeposit Insurance System (DIS) dapat diimplementasikan melalui sistem penegakan hukum yang kuat, disiplin pasar, kebebasan politik dan ekonomi, tingkat korupsi yang rendah, regulasi khususnya di bidang perbankan yang kuat, penetapan premi penjaminan simpanan yang memadai dan berdasarkan tingkat risiko bank, serta pemberian jaminan simpanan yang selektif. Kata Kunci:Deposit Insurance System, Lembaga Penjamin Simpanan, Risiko
银行在经济中扮演着非常重要的角色，它的功能是将资金从资金过剩的一方(资金过剩)转移到需要资金的一方(资金不足)。如果银行业经营不好，经济就会变得低效，无法实现预期的经济增长。金融和银行业固有的风险随时可能引发危机，导致国家经济崩溃。为了克服危机的影响，政府必须支付相当大的公共成本。本文分析了几个重要的概念，即银行风险和传染效应，各国在金融危机后实施的存款担保制度的运作，以及印度尼西亚如何实施存款担保计划。结果表明，存款保险制度可以通过执法体系、市场纪律、政治和经济自由、低腐败水平、严格的银行业监管、根据银行风险水平设定适当的存款保险费以及选择性存款担保来实施。关键词:存款保险制度，印尼存款保险公司，风险摘要Perbankan memegang peran yang sangat penting dalan perekonoman seiring dengan fungsinya untuk menyalurkan dana dari pihak yang mempunyai kelebihan dana(资金盈余)kepada pihak-pihak yang membutuhkan dana(资金不足)我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是，我的意思是。我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，我想说的是，印尼经济。Untuk menanggulangi dampak危机四伏，总理harus mengeluarkan biaya公众cuup besar。Artikel ini menganalis beberapa konsep penting, yitu risko bank danefek penularan(传染效应)，penyelenggaran system penjaminan simpanan yang telah di implementaskan berbagai negara setelah terjadi危机keangan danbagaimana implementasprogram penjaminan simpanan di Indonesia。存款保险制度(DIS)是指实行存款保险制度(DIS)、存款保险制度(DIS)、存款保险制度(DIS)、存款保险制度(DIS)、存款保险制度(DIS)、存款保险制度(DIS)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)、存款保险制度(ppp)。Kata Kunci:存款保险制度，Lembaga Penjamin Simpanan, Risiko
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Pub Date : 2019-12-27DOI: 10.52490/at-tijarah.v1i2.714
Zulfadly Zulfadly, Andi Tarlis
The formulation of the problem in this research is the effectiveness of education and training effect on Selling Skill of employees of Bank Aceh After Conversion amounting to 1220 that is on score "Very High". Does the effectiveness of education and training affect Selling Skill, Knowledge and work culture of Bank Aceh after Conversion employees? Selling Skill enters the "Very High" score ranking of 1,212, Knowledge enters the "Very High" score ranking of 1.220 and the Working Culture enters the score ranking "Very Height "of 1.213. This means that the three variables are very effective effect on employees of Bank Aceh Caban Idi East Aceh. Does the effectiveness of education and training affect the employee's work culture that has a very high impact of 1.213, this indicates that in addition to the knowledge that must be owned by employees must also have a good work culture in order to improve the performance of employees of Bank Aceh Branch Idi Aceh Timur. . Although Knowledge becomes the main point of the appraisal result, it remains that other variables should not be ruled out as they are interdependent in order to effectively improve the employee performance of Bank Aceh Branch Idi post-conversion. When viewed from the comparison between Education and Training on Selling Skill, Knowledge and Working Culture, it is known that Training is more effective than education that has a score of 1.222.This indicates that the Aceh Bank should more often provide training to employees in order to improve employee effectiveness Bank Aceh After Conversion. Keyword : Education, Training, Selling Skill, Knowledge, Work Culture Abstrak Rumusan masalah dalam penelitian ini adalah Efektiftifitas pendidikan dan pelatihan berpengaruh pada Selling Skill karyawan Bank Aceh Pasca Konversi sebesar 1.220 yakni berada pada skor “Sangat Tinggi”. Apakah efektivitas pendidikan dan pelatihan berpengaruh pada Selling Skill, Knowledge dan budaya kerja karyawan Bank Aceh Pasca Konversi yakni Selling Skill masuk ranking skor “Sangat Tinggi” sebesar 1.212, Knowledge masuk ranking skor “Sangat Tinggi” sebesar 1.220 dan Budaya Kerja masuk ranking skor “Sangat Tinggi” sebesar 1.213. Artinya bahwa ketiga variabel tersebut sangat berpengaruh efektif terhadap karyawan Bank Aceh Cabang Idi Aceh Timur. Apakah efektifitas pendidikan dan pelatihan berpengaruh pada budaya kerja karyawan yakni terdapat pengaruh yang Sangat Tinggi sebesar 1.213, hal ini menunjukkan bahwa selain knowledge yang harus dimiliki oleh karyawan juga harus memiliki budaya kerja yang baik dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi Aceh Timur. . Walaupun Knowledge (Pengetahuan) menjadi poin utama dari hasil penilaian, akan tetap variabel-variabel yang lain tetap tidak boleh dikesampingkan karena semuanya saling keterkaitan dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi secara efektif pasca konversi.Jika dilihat dari perbandingan antara Pendidikan dan Pelatihan terhadap
本研究问题的提法是亚齐银行转换后的员工销售技能的教育培训效果的有效性，得分为1220，得分为“非常高”。教育和培训的有效性是否影响亚齐银行转换后员工的销售技能、知识和工作文化?销售技能以1212分进入“非常高”排名，知识以1.220分进入“非常高”排名，工作文化以1.213分进入“非常高”排名。这意味着这三个变量对亚齐银行员工的影响非常有效。是否教育和培训的有效性影响员工的工作文化，有非常高的影响1.213，这表明除了员工必须拥有的知识，还必须有一个良好的工作文化，以提高亚齐银行分行员工的绩效。虽然Knowledge成为考核结果的重点，但要想有效提高亚齐分行Idi转换后的员工绩效，也不能排除其他变量，因为它们是相互依存的。从销售技能、知识和工作文化方面的教育与培训的比较可以看出，培训比教育更有效，教育的得分为1.222。这表明亚齐银行应该更多地为员工提供培训，以提高员工的效率。关键词:教育、培训、销售技能、知识、工作文化摘要:Rumusan masalah dalam penelitian ini adalah Efektiftifitas pendidikan dan pelatihan berpengaruh pada销售技能karyawan Bank Aceh Pasca Konversi sebesar 1.220 yakni berada pada skor“Sangat Tinggi”Apakah efektivitas pendidikan dan pelatihan berpengaruh paada Selling Skill, Knowledge dan budaya kerja karyawan Bank Aceh Pasca Konversi yakni Selling Skill masuk ranking skor“Sangat Tinggi”sebesar 1.212, Knowledge masuk ranking skor“Sangat Tinggi”sebesar 1.220, budaya kerja masuk ranking skor“Sangat Tinggi”sebesar 1.213。Artinya bahwa ketiga变量tersebut sangat berpengaruh efektif terhadap karyawan Bank Aceh Cabang Idi Aceh Timur。【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】【翻译】Walaupun知识(Pengetahuan) menjadi点utama dari hasil penilaian, akan tetap变量-变量yang lain tetap tidak boleh dikesampingkan karena semuanya saling keterkaitan dalam rangka mengkatkan kinerja karyawan银行亚齐Cabang Idi secara efektif pasca konversi。Jika dilihat dari perbandingan antara Pendidikan dan Pelatihan terhadap销售技巧，知识dan Budaya Kerja, maka diketahui bahwa Pelatihan lebih efektif dibandingkan dengan Pendidikan yakni memiliki skor sebesar 1.222。halini menandakan bahwa银行亚齐harus lebih服务成员:pelatihan kepada karyawan dalam rangka meningkatkan efektifitas karyawan银行亚齐Pasca Konversi。Kata Kunci: Pendidikan, Pelatihan, Selling Skill, Pengetahuan, Budaya Kerja
{"title":"EFEKTIFITAS PENDIDIKAN DAN PELATIHAN TERHADAP SELLING SKILL, KNOWLEDGE DAN BUDAYA KERJA KARYAWAN BANK ACEH CABANG IDI KABUPATEN ACEH TIMUR PASCA KONVERSI","authors":"Zulfadly Zulfadly, Andi Tarlis","doi":"10.52490/at-tijarah.v1i2.714","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.714","url":null,"abstract":"The formulation of the problem in this research is the effectiveness of education and training effect on Selling Skill of employees of Bank Aceh After Conversion amounting to 1220 that is on score \"Very High\". \u0000Does the effectiveness of education and training affect Selling Skill, Knowledge and work culture of Bank Aceh after Conversion employees? Selling Skill enters the \"Very High\" score ranking of 1,212, Knowledge enters the \"Very High\" score ranking of 1.220 and the Working Culture enters the score ranking \"Very Height \"of 1.213. This means that the three variables are very effective effect on employees of Bank Aceh Caban Idi East Aceh. \u0000Does the effectiveness of education and training affect the employee's work culture that has a very high impact of 1.213, this indicates that in addition to the knowledge that must be owned by employees must also have a good work culture in order to improve the performance of employees of Bank Aceh Branch Idi Aceh Timur. . \u0000Although Knowledge becomes the main point of the appraisal result, it remains that other variables should not be ruled out as they are interdependent in order to effectively improve the employee performance of Bank Aceh Branch Idi post-conversion. When viewed from the comparison between Education and Training on Selling Skill, Knowledge and Working Culture, it is known that Training is more effective than education that has a score of 1.222.This indicates that the Aceh Bank should more often provide training to employees in order to improve employee effectiveness Bank Aceh After Conversion. \u0000Keyword : Education, Training, Selling Skill, Knowledge, Work Culture \u0000 \u0000Abstrak \u0000Rumusan masalah dalam penelitian ini adalah Efektiftifitas pendidikan dan pelatihan berpengaruh pada Selling Skill karyawan Bank Aceh Pasca Konversi sebesar 1.220 yakni berada pada skor “Sangat Tinggi”. \u0000Apakah efektivitas pendidikan dan pelatihan berpengaruh pada Selling Skill, Knowledge dan budaya kerja karyawan Bank Aceh Pasca Konversi yakni Selling Skill masuk ranking skor “Sangat Tinggi” sebesar 1.212, Knowledge masuk ranking skor “Sangat Tinggi” sebesar 1.220 dan Budaya Kerja masuk ranking skor “Sangat Tinggi” sebesar 1.213. Artinya bahwa ketiga variabel tersebut sangat berpengaruh efektif terhadap karyawan Bank Aceh Cabang Idi Aceh Timur. \u0000Apakah efektifitas pendidikan dan pelatihan berpengaruh pada budaya kerja karyawan yakni terdapat pengaruh yang Sangat Tinggi sebesar 1.213, hal ini menunjukkan bahwa selain knowledge yang harus dimiliki oleh karyawan juga harus memiliki budaya kerja yang baik dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi Aceh Timur. . \u0000Walaupun Knowledge (Pengetahuan) menjadi poin utama dari hasil penilaian, akan tetap variabel-variabel yang lain tetap tidak boleh dikesampingkan karena semuanya saling keterkaitan dalam rangka meningkatkan kinerja karyawan Bank Aceh Cabang Idi secara efektif pasca konversi.Jika dilihat dari perbandingan antara Pendidikan dan Pelatihan terhadap ","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"142 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114599211","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 : 2019-12-27DOI: 10.52490/at-tijarah.v1i2.713
J. Putri, Ratna Sari Dewi
This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. Keyword: Clearing Mechanism, Bank Indonesia. Abstrak Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. Kata kunci: Mekanisme Kliring, Bank Indonesia.
本研究旨在解释印尼银行Lhokseumawe City的清算机制，以确定清算机制中发生的制约因素。本研究是一种实地研究，也称为实地研究的类型，是通过收集从实地数据源，即从举报人那里提取的数据，从研究对象那里获得数据。作者在本研究中得出的结论如下:1。清算机制是通过几个机制进行的，第一，公司(银行)将支付数据发送给发送银行，第二，发送银行将交易发送给SKNBI，接收银行从结算中接收交易数据和资金，然后第三，接收银行验证客户收款人的姓名和账号，如果不合适，必须以批量格式进行，第四，BI在清算机制中面临的障碍是清算过程中存在网络中断，因此bank Indonesia需要使用RTGS系统进行银行间的双边交易或清算过程。网络中断可能在全国范围内发生，也可能在当地发生，每个地区或办事处都会经历这种情况，尤其是世行在Lhokseumawe市的办事处。关键词:清算机制;印尼银行;【摘要】Penelitian ini bertujuan untuk menjelaskan mekanisme kliing di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliing。Penelitian ini adalah Penelitian lapangan atau disebut juga jenis Penelitian lapangan, yitu memperoleh数据统计对象Penelitian dengan mengumpulkan数据统计数字数据统计，yitu dari informan。[1] [footnoteref: 1] [footnoteref: 1]。Mekanisme kliing dilakukan dengan beberapa Mekanisme, pertama, perusahaan (bank) mengirim数据pembayaran ke bank pengirim mengirim transaksi ke SKNBI bank penerima mengirim数据transaksi dan dana dari penelesaian, kemudian ketiga, bank penerima memverifii nama dan nomor rekeening penerima pelanggan, jika tidak sesuai, dirktur harus dalam格式massal, keempat, bank penerima akan meneruskan transaksi ke rekeening nasabah。Kendala yang dihadapi BI dalam mekanisme kliing adalah adanya gangguan jaringan和selama prokliing, sehinga Bank印度尼西亚perlu melakukan transaksi双边atau prokliing antar Bank menggunakan system RTGS。港官jaringan dapat terjadi secara国家银行和地方银行。Kata kunci: Mekanisme Kliring，印度尼西亚银行。
{"title":"ANALISIS MEKANISME KLIRING PADA KANTOR PERWAKILAN (KPW) BANK INDONESIA (BI) LHOKSEUMAWE","authors":"J. Putri, Ratna Sari Dewi","doi":"10.52490/at-tijarah.v1i2.713","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.713","url":null,"abstract":"This study aims to explain the clearing mechanism at Bank Indonesia Lhokseumawe City, to determine the constraints that occur in the clearing mechanism. This research is a field study or also called the type of field research, which is obtaining data from research objects by collecting data extracted from field data sources, namely from informants. The conclusions that the authors conclude in this study are as follows: 1. The clearing mechanism is carried out with several mechanisms, first, the company (the bank) sends payment data to the sending bank, second, the sending bank sends the transaction to the SKNBI the receiving bank receives transaction data and funds from the settlement, then third, the receiving bank verifies the name and account number of the customer recipient, if it is not appropriate, the director must be in bulk format, fourth, the recipient bank will forward the transaction to the customer's account The obstacle faced by BI in the clearing mechanism is the existence of network disruptions during the clearing process, so that Bank Indonesia needs to conduct bilateral transactions or clearing processes between banks using the RTGS system. Network disruption can occur nationally or locally experienced by each region or office, especially the Bank in Lhokseumawe City. \u0000Keyword: Clearing Mechanism, Bank Indonesia. \u0000 \u0000Abstrak \u0000Penelitian ini bertujuan untuk menjelaskan mekanisme kliring di Bank Indonesia Kota Lhokseumawe, untuk mengetahui kendala yang terjadi pada mekanisme kliring. Penelitian ini adalah penelitian lapangan atau disebut juga jenis penelitian lapangan, yaitu memperoleh data dari objek penelitian dengan mengumpulkan data yang diambil dari sumber data lapangan, yaitu dari informan. Kesimpulan yang penulis simpulkan dalam penelitian ini adalah sebagai berikut: 1. Mekanisme kliring dilakukan dengan beberapa mekanisme, pertama, perusahaan (bank) mengirim data pembayaran ke bank pengirim, kedua, bank pengirim mengirim transaksi ke SKNBI bank penerima menerima data transaksi dan dana dari penyelesaian, kemudian ketiga, bank penerima memverifikasi nama dan nomor rekening penerima pelanggan, jika tidak sesuai, direktur harus dalam format massal, keempat, bank penerima akan meneruskan transaksi ke rekening nasabah. Kendala yang dihadapi BI dalam mekanisme kliring adalah adanya gangguan jaringan selama proses kliring, sehingga Bank Indonesia perlu melakukan transaksi bilateral atau proses kliring antar bank menggunakan sistem RTGS. Gangguan jaringan dapat terjadi secara nasional atau lokal oleh masing-masing wilayah atau kantor, terutama Bank di Kota Lhokseumawe. \u0000Kata kunci: Mekanisme Kliring, Bank Indonesia.","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"46 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"127990947","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 : 2019-12-27DOI: 10.52490/at-tijarah.v1i2.715
Ali Muhayatsyah
The main party charged with fiduciary duty is the board of directors. In UUPT No. 40/2007 it does not specifically regulate fiduciary duty but rather regulates general principles. From the general principle of fiduciary duty, directors in managing the company must pay attention to the interests of the company above other interests; directors must act in accordance with the aims and objectives of the company (intra vires), and pay attention to the limitations and restrictions determined by the law and the articles of association of the company. In carrying out their duties as directors, they are required to have in good faith and in full sense of responsibility; Directors must carry out their duties diligently, carefully, and smartly and skillfully. Keywords: Directors, Fiduciary Duty, Business Judgment Rule, Limited Liability Company, Abstrak Pihak utama yang dibebankan kewajiban fiduciary duty adalah direksi. Dalam UUPT Nomor 40 Tahun 2007 tidak mengatur secara khusus mengenai fiduciary duty tetapi mengatur prinsip-prinsip umumnya. Dari prinsip umum fiduciary duty makadireksi dalam mengurus perseroan harus memperhatikan kepentingan perseroan di atas kepentingan lainnya;direksi harus bertindak sesuai dengan maksud dan tujuan perseroan (intra vires), serta memperhatikan batasan dan larangan yang ditentukan UU dan anggaran dasar Perseroan. Dalam melaksanakan tugas sebagai direksi, diharuskan memiliki itikad baik (in good faith) dan tanggung jawab (in full sense of responsibility); Direksi harus melaksanakan tugasnya dengan rajin (diligently), penuh kehati-hatian (carefully), dan pintar serta terampil (skillfully). Kata kunci: Direksi, Fiduciary Duty, Business Judgement Rule, Perseroan Terbatas,
承担信义义务的主要一方是董事会。在UUPT第40/2007号中，它没有具体规定信义义务，而是规定了一般原则。从信义义务的一般原则来看，董事在管理公司时必须将公司利益置于其他利益之上;董事必须按照公司的宗旨和目标(公司内部)行事，并注意法律和公司章程规定的限制和限制。董事在履行其职责时，必须诚实守信，具有充分的责任感;董事们必须勤奋、谨慎、聪明、熟练地履行职责。关键词:董事;信义义务;商业判断规则;有限责任公司;2007年7月11日，印度北方邦大学(upt)第40号学位论文发表。法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任:法定信托责任Dalam melaksanakan tugas sebagai direksi, diharuskan memiliki itikad baik(真诚)dan tanggung jawab(充分负责);Direksi harus melaksanakan tugasnya dengan rajin(勤奋)，penuh kehati-hatian(仔细)，dan pintar serta terampil(熟练)。Kata kunci: Direksi，信义义务，商业判断规则，persean Terbatas，
{"title":"KEPUTUSAN BISNIS DAN TANGGUNGJAWAB DIREKSI DALAM PRINSIP FIDUCIARY DUTIES PADA PERSEROAN TERBATAS","authors":"Ali Muhayatsyah","doi":"10.52490/at-tijarah.v1i2.715","DOIUrl":"https://doi.org/10.52490/at-tijarah.v1i2.715","url":null,"abstract":"The main party charged with fiduciary duty is the board of directors. In UUPT No. 40/2007 it does not specifically regulate fiduciary duty but rather regulates general principles. From the general principle of fiduciary duty, directors in managing the company must pay attention to the interests of the company above other interests; directors must act in accordance with the aims and objectives of the company (intra vires), and pay attention to the limitations and restrictions determined by the law and the articles of association of the company. In carrying out their duties as directors, they are required to have in good faith and in full sense of responsibility; Directors must carry out their duties diligently, carefully, and smartly and skillfully. Keywords: Directors, Fiduciary Duty, Business Judgment Rule, Limited Liability Company, Abstrak Pihak utama yang dibebankan kewajiban fiduciary duty adalah direksi. Dalam UUPT Nomor 40 Tahun 2007 tidak mengatur secara khusus mengenai fiduciary duty tetapi mengatur prinsip-prinsip umumnya. Dari prinsip umum fiduciary duty makadireksi dalam mengurus perseroan harus memperhatikan kepentingan perseroan di atas kepentingan lainnya;direksi harus bertindak sesuai dengan maksud dan tujuan perseroan (intra vires), serta memperhatikan batasan dan larangan yang ditentukan UU dan anggaran dasar Perseroan. Dalam melaksanakan tugas sebagai direksi, diharuskan memiliki itikad baik (in good faith) dan tanggung jawab (in full sense of responsibility); Direksi harus melaksanakan tugasnya dengan rajin (diligently), penuh kehati-hatian (carefully), dan pintar serta terampil (skillfully). Kata kunci: Direksi, Fiduciary Duty, Business Judgement Rule, Perseroan Terbatas,","PeriodicalId":354867,"journal":{"name":"AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah","volume":"11 1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-12-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133142522","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 : 2019-12-27DOI: 10.52490/at-tijarah.v1i2.716
Fitri Maghfirah
The discourse that occurred as a result of the 4.0 industrial revolution, besides having a positive impact also had a negative impact on some of the old market participants (incumbent) or conventional business people. Many of the incumbents feel threatened, this is because consumers in old markets or conventional markets have started to switch to new markets by incarnating through digital markets or the internet of things / internet for everything. In this article, the author wants to analyze the implications of the disruptive era for the sustainability of conventional markets. The research was conducted through a qualitative methodology, and reviewed through a business approach. Based on the analysis conducted by the author on some general description of the implications of the disruptive phenomenon on the sustainability of conventional markets through the concept of Islamic Business Ethics, the authors conclude that conventional business practitioners in the face of the industrial revolution 4.0, should align their markets with human development in this digital era. This is based on Islamic business ethics principles, which encourage business practitioners to do their best in developing their business. In addition, which is in accordance with the facts, that the occurrence of disruptive phenomena is inevitable, especially in the business world. Therefore, with the incumbent adjustments to new market patterns, this is one of the golden strategies in boosting the market, because inevitably the new market already has a place among consumers in this digital era. Keywords: Market, Disruptive, Islamic Business Ethics. Abstrak Diskursus yang terjadi akibat dari revolusi industri 4.0, selain berdampak positif juga berdampak negatif bagi sebagian incumbentatau para pelaku bisnis konventional. Banyak diantara para incumbent yang merasa terancam, hal ini diakibatkan karena pasar konventional sudah mulai berekonstruksi menjadi pasar baru dengan menjelma melalui digitalmarketplaceatau serba-serbi internet of things/internet for everything.Oleh karena itu, dalam artikel ini penulis hendak menganilisis tentang implikasi dari era disruption terhadap keberlangsungan pasar konventional. Penelitian akan dilakukan melalui metodologi kualitatif, dengan jenis penelitian field research,yang ditinjau melalui pendekatan bisnis. Berdasarkan analisis yang penulis lakukan melalui konsep Etika Bisnis Islam, bahwa para pelaku bisnis konventional dalam menghadapi revolusi industri 4.0 yang berimplikasi pada perubahan pasar haruslah berusaha menyelaraskan pasar mereka dengan perkembangan manusia di era internet for everything ini. Hal tersebut didasarkanpada prinsip etika bisnis Islam yang menganjurkan para praktisi bisnis untuk melakukan yang terbaik dalam pengembangan bisnisnya. Di samping itu, terjadinya fenomena disruption sudah tidak mungkin bisa dielakkan lagi, khususnya dalam dunia bisnis. Oleh karena itu, dengan adanya upaya penyelarasan oleh incumbent terhadap
由于工业4.0革命而产生的话语，除了产生积极影响之外，也对一些旧的市场参与者(在位者)或传统的商业人士产生了负面影响。许多在位者感到受到威胁，这是因为旧市场或传统市场的消费者已经开始通过数字市场或物联网/万物互联的化身转向新市场。在这篇文章中，作者想分析颠覆性时代对传统市场可持续性的影响。该研究通过定性方法进行，并通过商业方法进行审查。基于作者通过伊斯兰商业伦理概念对颠覆性现象对传统市场可持续性影响的一般性描述进行的分析，作者得出结论，面对工业革命4.0，传统商业从业者应该使其市场与数字时代的人类发展保持一致。这是基于伊斯兰商业道德原则，鼓励商业从业者尽最大努力发展他们的业务。此外，这是符合事实的，破坏性现象的发生是不可避免的，特别是在商业世界。因此，随着企业对新市场模式的调整，这是推动市场的黄金策略之一，因为在这个数字时代，新市场不可避免地已经在消费者中占有一席之地。关键词:市场，破坏性，伊斯兰商业伦理。【摘要】工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代，工业4.0时代。Banyak diantara para现任yang merasa terancam, hal ini diakibatkan karena pasar传统的sudah mulai berekonstrksi menjadi pasar baru dengan menjelma melalui数字市场，atau serba-serbi物联网/万物互联。Oleh karena, dalam artikel, ini penulis, hendak menganilis, tentika - dasi时代的破坏，hahaberlangsungan pasar传统。peneltian akan dilakakan melalis的方法论定性，邓安jenis penelis的田野研究，杨迪杰(yang ditinjau) penalis penelis penalis。网络分析杨penulis lakukan melalui konsep Etika Bisnis Islam, bahwa para pelaku Bisnis传统dalam menghadapi革命工业4.0杨berimplikasi parada perubahan pasar haruslah berusha menyelaraskan pasar mereka dengan perkembangan网络分析i时代互联网的一切。haltersebut didasarkanpada princsip etika bisnis Islam yang menganjurkan para praktisi bisnis untuk melakukan yang terbaik dalam pengembangan bisnisnya。Di samping itu, terjadinya现象中断sudah tidak mungkin bisa dielakkan lagi, khususnya dalam dunia bisnis。“数码数码时代”，“数码数码时代”，“数码数码时代”，“数码数码时代”，“数码数码时代”，“数码数码时代”，“数码数码时代”Kata kunci:Pasar conventional, Disruption, Etika Bisnis Islam。
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