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The Existence Of The Islamic Economy In Building The World of Education 伊斯兰经济在构建教育世界中的存在
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.484
Choiriyah Choiriyah, D. Noviani, Mardeli Mardeli
Islamic economics is one of the economic concepts that should be considered to replace it. Islamic economics has made a lot of progress, both in the operational practice of academic studies in universities and in the form of teaching activities. Islamic economics has been developed in several universities both in Muslim countries and in western countries. In the context of Indonesia, the development of learning and implementation of Islamic economics has made significant progress. It is proven by learning about Islamic economics that has been taught in several public and private universities. This proves that the increase in human resources and the Islamic development economy continue to grow.
伊斯兰经济学是应该考虑取代它的经济学概念之一。无论是在大学学术研究的操作实践中,还是在教学活动的形式中,伊斯兰经济学都取得了很大的进步。伊斯兰经济学在穆斯林国家和西方国家的一些大学都有发展。在印度尼西亚的背景下,学习和实施伊斯兰经济学的发展取得了重大进展。在几所公立和私立大学学习伊斯兰经济学就证明了这一点。这证明了人力资源的增加和伊斯兰发展经济的持续增长。
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引用次数: 0
The Policy of Islamic Economic Politics in Indonesia in the Reformation Era 改革时期印尼的伊斯兰经济政治政策
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.469
Choirunnisak Choirunnisak, Nopriawan Mahriadi
The Reformation Era began on May 21, 1998, with Suharto's resignation as president of Indonesia being replaced by B.J. Habibie. This study discusses how the political economy of Islam in Indonesia is, especially in the Reformation era. This research is a type of library research (library research) that focuses on qualitative data management with data analysis methods using descriptive-analytical methods. The results of this study are six Islamic political-economic policies 1) Law Number 10 of 1998 concerning banking. 2) Law Number 23 of 1999 concerning Bank Indonesia. 3) Law number 3 of 2004 concerning Bank Indonesia. 4) Law number 24 of 2004 concerning the Deposit Insurance Corporation. 5) Law number 19 of 2008 concerning Indonesian Sharia Securities. 6). Law No. 21 of 2008 concerning Islamic banking
改革时代始于1998年5月21日,苏哈托辞去印尼总统职务,由哈比比(B.J. Habibie)接任。本研究探讨印尼伊斯兰教的政治经济状况,尤其是宗教改革时期。本研究是一种图书馆研究(library research),侧重于定性数据管理,采用描述性分析方法进行数据分析。这项研究的结果是六项伊斯兰政治经济政策1)1998年关于银行业的第10号法律。2)关于印度尼西亚银行的1999年第23号法,3)关于印度尼西亚银行的2004年第3号法,4)关于存款保险公司的2004年第24号法,5)关于印度尼西亚伊斯兰教法证券的2008年第19号法,6)关于伊斯兰银行的2008年第21号法
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引用次数: 0
Analysis Determinants of Housewives to Control Saving Gold Behavior in Indonesian Sharia Pawnshops 印尼伊斯兰典当行家庭主妇控制储蓄黄金行为的决定因素分析
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.334
Febtika Budiya Elsasari, Budi Sukardi
Investment is something that must be done by someone to plan future needs. As a financial regulator in a family, investment is essential for housewives. Investments can be made in various instruments, one of which is by saving gold in Sharia Pawnshop. Gold savings at Sharia Pawnshop is a gold balance deposit service that can make it easier for people to invest in gold by saving money. Therefore, this study aims to determine the effect of attitudes, subjective norms, and behavioural control on their Interest in saving gold in Sharia Pawnshop. The methodology used in this research is quantitative with a purposive sampling technique. This study's primary data was obtained directly through the Sharia Pawnshop Unit Ngabean housewife customer. The data analysis technique used multiple linear regression. The data collection technique used a questionnaire distributed to 96 housewife customers in the Sharia Pawnshop Unit. The results showed that people's attitudes and behaviour control variables significantly affected the Interest in saving gold in Sharia pawnshops, while the subjective norm variable did not affect saving gold.
投资是必须由某人来计划未来需求的事情。作为家庭中的金融监管者,投资对家庭主妇来说是必不可少的。投资可以通过各种工具进行,其中之一就是在伊斯兰典当行储存黄金。Sharia当铺的黄金储蓄是一项黄金余额存款服务,可以让人们通过储蓄更容易地投资黄金。因此,本研究旨在确定态度、主观规范和行为控制对他们在伊斯兰典当行储蓄黄金兴趣的影响。在本研究中使用的方法是定量与有目的的抽样技术。本研究的主要数据是直接通过沙里亚典当行单位的家庭主妇客户获得的。数据分析技术采用多元线性回归。数据收集技术使用了一份调查问卷,分发给伊斯兰教法典当行的96名家庭主妇顾客。结果表明,人们的态度和行为控制变量显著影响伊斯兰典当行储蓄黄金的兴趣,而主观规范变量不影响储蓄黄金。
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引用次数: 0
Analysis of Customer Relationship Management In Influencing Customer Satisfaction And Loyalty of Bank Muamalat Indonesia In Tulungagung 客户关系管理对印尼穆马拉银行客户满意度和忠诚度的影响分析
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.483
Kiky Nia Lorenza, Dede Nurohman
The paper aims to determine effect customer relationship management through affecting customer satisfaction and loyalty of Bank Muamalat Indonesia in Tulungangung. The study used an associative-quantitative method. The primary data was obtained from the questionaire through Google Form and the secondary data was obtained from observing the office and bank websites. 100 customers of Bank Muamalat Indonesia in Tulungangung was chosen as sample. The data was processed by hypothesis test using IBM SPPS version 25. The results that (a) the customer relationship management has positive and significant effect on customer loyalty, (b) the customer relationship management has positive and significant effect on customer satisfaction, and (c) the customer satisfaction has positive and significant effect on customer loyalty.
本文旨在通过影响图伦港印尼穆马拉银行的客户满意度和忠诚度来确定客户关系管理的效果。该研究采用了关联定量方法。主要数据通过谷歌表格从问卷中获得,次要数据通过观察办公室和银行网站获得。选取印尼穆阿马拉银行在土伦港的100名客户作为样本。使用IBM SPPS version 25对数据进行假设检验。结果表明:(a)顾客关系管理对顾客忠诚有正向显著的影响,(b)顾客关系管理对顾客满意有正向显著的影响,(c)顾客满意对顾客忠诚有正向显著的影响。
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引用次数: 0
The Impact Of Covid-19 On Digital Sharia Banking In Padangsidimpuan City 新冠肺炎疫情对巴东西丁普安市数字伊斯兰银行的影响
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.417
M. W. Hutagalung, D. Harahap, M. Isa
The high level of direct transactions at Islamic banks during the Covid-19 pandemic is a common sight in Padangsidimpuan City. In fact, in the current 4.0 era, Islamic banks have provided various digital-based services to make it easier for customers to transact without having to come to Islamic banks, especially during the pandemic. This study aims to see the impact of the Covid-19 pandemic on the use of Digital Syariah Banking in Padangsidimpuan City. This study uses descriptive qualitative data analysis techniques with 400 samples. This study resulted that Covid-19 had no impact on the use of Digital Syariah Banking in Padangsidimpuan City. This is due to three factors, namely the public's view of Covid-19, security, and the location of Islamic banks.
在新冠疫情期间,伊斯兰银行的高水平直接交易在巴东西丁普安市很常见。事实上,在当前的4.0时代,伊斯兰银行已经提供了各种基于数字的服务,使客户无需到伊斯兰银行就可以更轻松地进行交易,特别是在疫情期间。本研究旨在了解2019冠状病毒病大流行对巴东西丁普安市使用数字伊斯兰银行的影响。本研究采用描述性定性数据分析技术,共400个样本。研究结果表明,新冠肺炎疫情对巴东斯丁普安市数字伊斯兰银行的使用没有影响。这是由于国民对新冠疫情的看法、安全、伊斯兰银行的位置等3个因素造成的。
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引用次数: 2
Education Investment In Economic Growth Following Provinces In Indonesia In 2014-2020 2014-2020年印尼各省教育投资对经济增长的影响
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.480
Dai’ah Dini, Rizqon Halal Syah Aji
Education is the main capital in carrying out the development of a country. The purpose of this study is to determine the effect of education investment proxied by the school participation rate (APS) of elementary, middle and high schools on Economic Growth in 34 provinces in Indonesia in 2014-2020. This study used a dynamic panel regression analysis method with a fixed effect model. The results of this study show that the SD variable has a significant influence on economic growth in 4 provinces in Indonesia, namely the provinces of DKI Jakarta, West Java, Central Java, East Java and in 30 other provinces have no significant effect. The SMP variable has a significant influence on Economic Growth in 2 provinces in Indonesia, namely DKI Jakarta, East Java Province and in 32 other provinces has no significant effect. Meanwhile, the SMA variable has a significant influence on Economic Growth in 4 provinces in Indonesia, namely DKI Jakarta, East Java, Banten, East Kalimantan provinces and in 30 other provinces has no significant effect. The education investment variables proxied by the primary, middle and high school budgets together have a significant influence on economic growth in 30 provinces in Indonesia in 2014-2020 and in 4 other provinces such as Riau, Bali, West Nusa Tenggara and Papua have no significant effect.
教育是实现国家发展的主要资本。本研究的目的是确定2014-2020年印尼34个省以小学、初中和高中入学率(APS)为代表的教育投资对经济增长的影响。本研究采用固定效应模型的动态面板回归分析方法。本研究结果表明,SD变量对印度尼西亚4个省的经济增长有显著影响,即DKI雅加达省、西爪哇省、中爪哇省、东爪哇省,其他30个省没有显著影响。SMP变量对印尼2个省的经济增长有显著影响,即雅加达DKI、东爪哇省,其他32个省没有显著影响。同时,SMA变量对印尼4个省的经济增长有显著影响,即雅加达、东爪哇、万丹、东加里曼丹省,其他30个省没有显著影响。以小学、初中和高中预算为代表的教育投资变量共同对2014-2020年印尼30个省的经济增长有显著影响,而廖内省、巴厘省、西努沙登加拉省和巴布亚省等4个省的经济增长没有显著影响。
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引用次数: 1
Liquidity Risk Management of Mudharabah Deposit Products At PT. BPRS Al Makmur Mudharabah存款产品的流动性风险管理
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.430
Ifelda Nengsih, Rizal Rizal
Abstract This research aims to uncover the risk management and management system carried out by PT. BPR Syariah Al-Makmur against mudharabah deposit products. This type of research is qualitative with descriptive methods. Data is collected through interviews and documentation to get an overview of the research. This study found that deposits became a superior product because deposits could take funds even if they were not due and were not subject to fines (penalties). To avoid liquidity risks due to withdrawal of funds before maturity, management develops various strategies. The liquidity risk management strategy developed in sequence is through a persuasive approach, namely by giving ababa, requesting 1 to 3 days if the funds are insufficient and providing facilities for the delivery of funds to the customer's residence. The preventive strategy of handling liquidity risk is to predict the needs of funds by carrying out daily monitoring of funds so that the stock of funds is carried out, also through the asset liquidity approach and repressive approach. Become a new model of deposit management carried out by PT. BPR Syariah Al-Makmur because no other financial institution has done anything like this. This model proved to be the largest source of funds compared to ordinary savings from 2012 to 2018. Although the number of deposits has decreased from 2017 to 2019. Even in 2019 the number of deposits is lower than ordinary savings, but this is an interesting thing to study further why this can happen.
本研究旨在揭示PT. BPR Syariah Al-Makmur对mudharabah存款产品的风险管理和管理体系。这种类型的研究是定性的描述性方法。通过访谈和文件收集数据,以获得研究的概述。这项研究发现,存款成为一种优越的产品,因为存款可以吸收资金,即使它们没有到期,也不会受到罚款(处罚)。为了避免到期前资金撤回带来的流动性风险,管理层制定了各种策略。按顺序制定的流动性风险管理战略是通过一种说服方法,即给予ababa,如果资金不足,要求1至3天,并为将资金交付到客户住所提供便利。处理流动性风险的预防性策略是通过对资金进行日常监测,预测资金的需求,使资金存量化,也可以通过资产流动性法和压制性法进行。成为PT. BPR Syariah Al-Makmur开展的存款管理的新模式,因为没有其他金融机构做过这样的事情。与2012年至2018年的普通储蓄相比,这一模式被证明是最大的资金来源。尽管从2017年到2019年,存款数量有所下降。即使在2019年,存款数量也低于普通储蓄,但这是一件有趣的事情,可以进一步研究为什么会发生这种情况。
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引用次数: 0
The Role of Market Orientation And Product Quality On The Performance of Small-Medium Enterprises With Supply Chain Management Strategies As Mediation Variables (Case Study On Songket Smes In Palembang City) 以供应链管理策略为中介变量的市场导向和产品质量对中小企业绩效的影响研究(以巨港市松ket中小企业为例)
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.471
Chandra Satria, A. Antoni, Doly Nofiansyah
The purpose of this research was to analyze and measure the role of market orientation, product quality,  supply chain management strategies as mediating variables on the performance of small and medium enterprises (SMEs) in Palembang. This study explains how the influence of market orientation and understanding of product quality by the owner or leader of the Songket UKM in Palembang City on the company's performance. The research sample amounted to 50 people consisting of elements of the owners and leaders of the Palembang songket UKM and that is from 25 Palembang UKM business units. Survey method with quantitative management data through statistical analysis test of the SPss IBM 25 application to measure the level of market orientation, product quality, supply chain management strategy on the performance of SMEs in Palembang. These results show that the Market orientation has a significant positive role on the performance of SME companies in the city of Palembang and it can provide an alternative solution in the form of information on awareness of the influence of the variables studied as owners or leaders of SMEs on market orientation, product quality , supply chain management strategies to improve the performance of songket SMEs in Palembang.
本研究的目的是分析和衡量市场导向、产品质量、供应链管理策略作为中介变量对巨港中小企业(SMEs)绩效的作用。本研究解释了巨港市Songket UKM的所有者或领导者的市场导向和对产品质量的理解对公司绩效的影响。此次调查对象是由巨港市场UKM的所有者和领导人组成的50人,来自巨港UKM的25个营业单位。调查方法用定量管理数据通过SPss IBM 25应用程序的统计分析测试来衡量市场导向水平、产品质量、供应链管理策略对巨港中小企业绩效的影响。这些结果表明,市场导向对巨港市中小企业的绩效具有显著的正向作用,它可以提供一种替代解决方案,以信息的形式了解作为中小企业所有者或领导者的变量对市场导向、产品质量、供应链管理策略的影响,以提高巨港市中小企业的绩效。
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引用次数: 0
Afzalur Rahman's Thinking Contribution To The Islamic Economy From Epistemological Aspects To The Concept of Wages In Islam 阿夫扎鲁尔·拉赫曼对伊斯兰经济的思想贡献——从认识论的角度看伊斯兰教的工资观念
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.488
Havis Aravik, Rahma Febrianti, A. Hamzani, N. Khasanah
This article describes the contribution of Afzalur Rahman`s thought to Islamic economics from the epistemological aspect to the concept of wages in Islam. This article is a type of library research, with the data presented being qualitative data. Data were collected from primary and secondary sources and analyzed with a qualitative descriptive method. This study's results show that Afzalur Rahman is one of the well-known Muslim economists who is very productive in producing works. Afzalur Rahman's real contribution to economics can be seen in various Islamic economic theories that were developed from the results of numerous analyzes, such as the foundation of Islamic economics built on monotheism, justice, leadership, brotherhood, work, productivity, ownership, freedom, and responsibility, social security, and prophecy. On the concept of wages, Rahman agrees that wages must be determined through negotiations between workers, employers, and the state, to provide justice for various parties.
本文从认识论的角度论述了拉赫曼思想对伊斯兰经济学的贡献。本文是一种图书馆研究类型,所提供的数据为定性数据。从一手和二手资料中收集数据,并采用定性描述方法进行分析。本研究结果表明,拉赫曼是著名的穆斯林经济学家之一,他在著作方面非常富有成效。阿夫扎鲁尔·拉赫曼对经济学的真正贡献可以从各种伊斯兰经济学理论中看到,这些理论是从大量分析的结果中发展而来的,例如建立在一神论、正义、领导力、兄弟情谊、工作、生产力、所有权、自由和责任、社会保障和预言基础上的伊斯兰经济学。关于工资的概念,拉赫曼同意工资必须通过工人、雇主和国家之间的谈判来确定,为各方提供公正。
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引用次数: 1
Analysis Of Factors Affecting Firm Value (Empirical Studies On Food And Beverage Sub-Sector Industry Companies Listed On Idx In 2014 – 2020) 企业价值影响因素分析(以2014 - 2020年在Idx上市的餐饮细分行业公司为例)
Pub Date : 2022-08-16 DOI: 10.36908/isbank.v8i1.571
Melati Dwi Nabila Putri, Z. Kisman
This study aims to determine the effect of profitability, dividend policy, firm size, and debt policy on firm value in the Manufacturing sector of the food and beverage sub-sector listed on the Indonesia Stock Exchange (IDX) in 2014-2020. The ratios used in this study include Price to Book Value (PBV), Return on Equity (ROE), Dividend Payout Ratio (DPR), Log Total Assets, and Debt to Equity Ratio (DER). This study used 10 companies as research samples with 7 years of observation, resulting in 70 observations. This research uses Eviews version 10 program with panel data analysis method. The method used in sampling in this study, namely purposive sampling technique. The results showed that simultaneously profitability (ROE), Dividend Policy (DPR), Firm Size (Log Total Assets), and Debt Policy (DER) variables had an effect on firm value, and partially Profitability (ROE) and Debt Policy (DER) variables. has a positive and significant effect on firm value. Then the Dividend Policy (DPR) has a negative and significant effect on firm value. While Firm size (Log Total Assets) has no effect on firm value in the company
本研究旨在确定2014-2020年在印度尼西亚证券交易所(IDX)上市的食品和饮料子行业制造业的盈利能力、股息政策、公司规模和债务政策对公司价值的影响。本研究中使用的比率包括市净率(PBV)、净资产收益率(ROE)、股息支付率(DPR)、对数总资产和负债权益比(DER)。本研究以10家公司为研究样本,经过7年的观察,得出70条观察结果。本研究使用Eviews version 10程序,采用面板数据分析法。本研究采用的抽样方法,即有目的抽样技术。结果表明,盈利能力(ROE)、股利政策(DPR)、企业规模(对数总资产)和债务政策(DER)变量同时对企业价值有影响,盈利能力(ROE)和债务政策(DER)变量有部分影响。对企业价值有显著的正向影响。股利政策对企业价值有显著的负向影响。而公司规模(对数总资产)对公司价值没有影响
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引用次数: 1
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Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah
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