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PENGARUH AKAD PEMBIAYAAN WADIAH DAN MUDHARABAH TERHADAP PROFITABILITAS PADA BANK SYARIAH MANDIRI 阿卡德对WADIAH和MUDHARABAH对自力更生伊斯兰银行的盈利能力的影响
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i1.225
Mufid Habib Mustofa, Jaenudin Jaenudin, Bustami Irvan Irvan
This study aims to measure and find out how big an influence of wadi’ah financing and Mudarabah financing to the revenue at BSM (Bank Syariah Mandiri) Jakarta from the year 2008 until the end of 2017. This study uses the revenue multiple regression techniques which first learned of the requirement is made to know in order to be eligible. Variables t hitung -2.36 so that H 1 is accepted which means that partially wadiah influential variables significantly to profitability to the second hypothesis, namely that the values obtained mudharabah variable t hitung of 3.542 with t tabel of 0.1574 so because the value t hitung
本研究旨在衡量并找出从2008年到2017年底,wadi 'ah融资和Mudarabah融资对雅加达BSM(伊斯兰教曼迪利银行)收入的影响有多大。本研究使用收益多元回归技术,首先了解的要求是知道,以符合条件。变量t hitung为-2.36,使得h1被接受,这意味着部分对盈利能力有影响的变量对第二个假设有显著的影响,即得到的值为mudharabah变量t hitung为3.542,t表为0.1574,因此得到的值为t hitung
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引用次数: 0
QIYAS DALAM TINJAUAN HUKUM ISLAM
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i2.234
Fifi Hakimi, Wahidin Musta’in Billah
The theory of qiyas has experienced very rapid development in this form in an abductive manner which previously was still in scope deductively, in the thought that it is regulated in Islamic law itself has external aspects in the concept of qiyas in the contemporary Islamic era, since the beginning, This qiyas is a theoretical matter that is always carried out by Islamic jurists, who conceptually have never experienced a change in dealing with problems that often arise in contemporary circles. It does not mean that it has limitations in looking broadly for illat which is theorized by qiyas law, and it is not limited to material concepts in concrete lines or contextually. However, the explanation given on any problem can be interpreted broadly and in detail to overcome it. Various questions and statements will be reviewed and solved as Islamic law regulates in aqidah.
qiyas理论经历了快速发展这种形式在一个诱导的方式此前还在演绎范围,认为这是在伊斯兰法律本身外部监管方面的概念qiyas在当代伊斯兰时代,从一开始,这个qiyas是一个理论问题,总是由伊斯兰法学家,谁在概念上从未经历过改变处理问题经常出现在当代的圈子。这并不意味着它在宽泛地寻找由齐亚律所理论化的不法方面有局限,也不局限于具体线条或语境中的物质概念。然而,对任何问题给出的解释都可以被广泛而详细地解释以克服它。各种问题和陈述将按照伊斯兰法律在aqidah的规定进行审查和解决。
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引用次数: 0
PENGUPASAN HUKUM PASAR MODAL SYARIAH TERHADAP HUKUM ISLAM 伊斯兰资本市场法与伊斯兰法律的重叠
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i2.235
Rifyal Zuhdi Gultom, A. Munandar
This research will discuss various types of Islamic sharia law that explore the Islamic Capital Market law. This law is based on the Fatwa of the National Sharia Council, Al Quran, Al Hadith and other laws regulated in Islamic sharia. Stripping the law of the is scrutinized through the verses of the Koran, Al Hadith, and the DSN MUI Fatwa. Other basic Islamic laws will not be examined but will provide additional theory and insight into Islamic law governing the Islamic capital market. In discussing Islamic capital market law on Islamic law, it is carried out using research methods based on references, library literature is followed by carrying out a normative juridical approach that is based on legal norms applied by the MUI DSN Fatwa. In addition to the law of fatwas, research is carried out based on sharia law based on the Koran such as Surah Al Baqarah (2:275), Surah An Nisa (4:29), Surah Al Maidah (5:1), Surah Al Jumuah (62:10) by stripping Islamic capital market legal research is also carried out based on the hadith of Rasulullah SAW which regulates the basis for implementing capital markets. With the stipulation of sharia law guided by the DSN-MUI fatwa No. 40/DSN- MUI/X/2003 in which the DSN-MUI fatwa contains a discussion on regulating the Capital Market with the backing of applying Islamic religious principles correctly to the laws that have been described.
本研究将探讨各种类型的伊斯兰教法,探讨伊斯兰资本市场的法律。这项法律是基于国家伊斯兰教法委员会的法特瓦、《古兰经》、《圣训》和伊斯兰教法规定的其他法律。通过《古兰经》、《圣训》和《圣训》的经文,人们仔细审视了伊斯兰律法的剥离。其他基本的伊斯兰法律将不被审查,但将提供额外的理论和见解,伊斯兰法律管理伊斯兰资本市场。在讨论伊斯兰资本市场法对伊斯兰教法的影响时,首先采用基于参考文献、图书馆文献的研究方法,然后采用基于MUI DSN法特瓦适用的法律规范的规范性司法方法。除了法特瓦法之外,研究还基于基于古兰经的伊斯兰教法进行,如《古兰经》(2:275),《尼萨》(4:29),《迈达》(5:1),《古兰经》(62:10),通过剥离伊斯兰资本市场,法律研究还基于Rasulullah SAW的圣训进行,该圣训规定了实施资本市场的基础。根据DSN-MUI /X/2003第40/DSN- MUI/X/2003号法特瓦指导的伊斯兰教法的规定,其中DSN-MUI法特瓦包含了在将伊斯兰宗教原则正确应用于所描述的法律的支持下规范资本市场的讨论。
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引用次数: 0
ANALISIS UPAYA DAN PENANGANAN PEMBIAYAAN NASABAH YANG WAFAT SESUDAH JATUH TEMPO (STUDI KASUS DI PT BPRS RIYAL IRSYADI BEKASI) 分析已故客户融资的努力与处理(PT BPRS RIYAL irshadi BEKASI的案例研究)
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i1.226
Anto Apriyanto, Julianna Rai Hakim Isnaini
Islamic banking, as is the case with conventional banking in Indonesia, is an intermediary institution whose function is to collect funds and distribute funds to the public in the form of financing facilities. In this case, the author is interested in examining the analysis of efforts and handling of financing on customers who died after the maturity of the study at BPRS Riyal Irsyadi Bekasi. Based on this fact, the author is interested in conducting research by formulating the following problem: how to settle the financing whose customer dies after maturity (there is still an obligation to pay installments) at BPRS Riyal Irsyadi. The purpose of this research is to find out the settlement of financing for customers who die or die after maturity. To solve the existing problems the author uses a type of field research using a descriptive qualitative approach. The data collection method that the writer uses is the interview and observation method. The results of the settlement research carried out for the case of customers who died or died by way of heirs who paid or continued the financing installments at Riyal Irsyadi's BPRS.
伊斯兰银行同印度尼西亚的传统银行一样,是一个中间机构,其职能是以融资设施的形式收集资金和向公众分配资金。在这种情况下,作者有兴趣研究在BPRS Riyal Irsyadi Bekasi研究成熟后死亡的客户的努力和处理融资的分析。基于这一事实,作者有兴趣通过制定以下问题进行研究:如何解决BPRS Riyal Irsyadi客户到期后死亡(仍有分期付款的义务)的融资。本研究的目的是找出客户死亡或到期后死亡的融资解决方案。为了解决存在的问题,作者采用了一种采用描述性定性方法的实地研究。作者使用的数据收集方法是访谈观察法。对在Riyal Irsyadi的BPRS支付或继续支付分期付款的客户死亡或通过继承人死亡的情况进行的和解研究的结果。
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引用次数: 0
NILAI-NILAI EKONOMI ISLAM DALAM SISTEM PENGGAJIAN KARYAWAN (STUDI PADA PUSAT BEKAM RUQYAH CABANG DUKUH ZAMRUD KOTA BEKASI) 伊斯兰经济价值在员工工资体系中的研究(在BEKASI市翡翠DUKUH分支研究)
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i2.231
Mufid Habib Mustofa, Abdul Samad Kelsaba
Islam governs all aspects of this universe, from the smallest to the biggest. Islam also regulates the concept of payroll employees well without decorating other parties. This research will discuss muamalah worship in the theme of Islamic Economic Values in the Employee Payroll System at the Ruqyah Cupping Center, Dukuh Emerald Branch, Bekasi City. Using primary data, this research will explore all kinds of realities and problems that occur in employee payroll based on Islamic economic values. The results of this study show that with the rules set by Islam, this life will follow the haq flow to go to maslahatan in realizing falah (happiness). One of the indicators that is the subject of discussion is that in preaching, it does not have to be with the material or ability that is possessed. As conclusion in this study, one of the categories is to preach treasure on the haq path to the happiness of the world and the hereafter.
伊斯兰教统治着这个宇宙的方方面面,从小到大。伊斯兰教在不装饰其他聚会的情况下也很好地规范了给员工发工资的概念。本研究将在Bekasi市Dukuh Emerald分部Ruqyah拔罐中心讨论muamalah崇拜在员工薪资系统中的伊斯兰经济价值主题。利用原始数据,本研究将探讨基于伊斯兰经济价值观的员工工资的各种现实和问题。本研究结果表明,在伊斯兰教规定的规则下,今生将遵循haq流走向maslahatan去实现falah(幸福)。我们讨论的一个指标是,在讲道中,不一定要有物质或能力。作为本研究的结论,其中一个类别是在通往世界和来世幸福的haq道路上宣讲财富。
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引用次数: 0
MEKANISME PENETAPAN HARGA JUAL PRODUK DAN LABA DALAM PANDANGAN EKONOMI ISLAM (Studi Kasus di Minimarket Family Bekasi) 从伊斯兰经济角度来看,产品和利润的销售机制(针对小型市场家庭的案例研究)
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i1.227
Puti Khairani Rijad, S. Fadhilah
Pricing errors can have various consequences; unethical pricing can make entrepreneurs dislike buyers, and even buyers can give reactions that can damage the company's reputation. Unsolicited quotations from buyers may result in rejection by some or all purchasers. This study uses qualitative methods in observation, interviews, literature, and documentation. Based on the results of this study, it can be concluded that in setting the product selling price, the Family minimarket uses the Cost Plus Pricing method, the Family minimarket offers a set low price to achieve the target sales volume, sales value, and market share by minimizing profits. Therefore the Family minimarket implements the use of the odd pricing mechanism. And in determining the profit, the Family minimarket does not determine the upper and lower limits of the profit earned but only takes a margin of 10-15%.
定价错误可能产生各种后果;不道德的定价会让企业家不喜欢买家,甚至买家也会做出损害公司声誉的反应。买家主动报价可能会导致部分或全部买家拒绝报价。本研究采用定性方法,包括观察、访谈、文献和文献。根据本研究的结果,可以得出结论,在设定产品销售价格时,家庭小市场采用成本加定价法,家庭小市场提供一个设定的低价格,以实现目标销售量,销售额和市场份额的利润最小化。因此,家庭小市场实行了奇数定价机制的使用。在确定利润时,Family小市场没有确定利润的上限和下限,只收取10-15%的利润率。
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引用次数: 0
PERSEPSI MASYARAKAT TANGERANG SELATAN TERHADAP PEMBIAYAAN NON-BANK PADA PERUMAHAN SYARIAH 南方人民对伊斯兰住房融资的看法
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i1.230
H. Candra, A. Amrizal
Perumahan syariah di Indonesia memang cukup banyak bermunculan karena menawarkan slogan-slogan yang sangat menarik, seperti tanpa riba, tanpa uang muka dan tanpa sita, sehingga konsumen tertarik untuk memiliki rumah dengan embel-embel syariah.. Penelitian ini bertujuan untuk menganalisis persepsi masyarakat tangerang selatan terhadap pembiayaan perumahan syariah non bank yang diukur dengan tiga variabel bebas yaitu Usia, Pendidikan dan Pekerjaan. Metode pengumpulan data dengan menyebarkan kuesioner hardcopy yang disusun dengan skala likert. Teknik analisis pada penelitian ini menggunakan SEM. Hasil uji reliabilitas dan validitas menunjukkan bahwa kuesioner penelitian valid dan reliabel. Hasil uji regresi simultan menunjukkan bahwa Usia, Pendidikan dan Pekerjaan tidak berpengaruh terhadap persepsi masyarakat tangerang selatan terhadap pembiayaan non bank. Hal ini berarti jika penelitian membuktikan bahwa masyarakat tangerang selatan belum atau belum memiliki kepercayaan terhadap pembiayaan perumahan syariah non bank.
印尼的伊斯兰住房之所以在印尼盛行,是因为它提供了一些非常有趣的口号,比如没有riba,没有首付,没有sita,所以消费者有兴趣拥有带有伊斯兰装饰的房子。这项研究旨在分析南方农民对以年龄、教育和就业为前提的三种自由变量为衡量的非银行住房融资的看法。数据收集方法是分发likert量表中组织的一份硬拷贝问卷。该研究的分析技术使用SEM。可靠性和有效性测试结果表明,研究问卷是有效的和可靠的。同时回归测试的结果表明,年龄、教育和就业对南方公民对非银行融资的看法没有影响。这意味着,研究表明,南方的tangerang社区没有或没有信任为非银行住房融资。
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引用次数: 0
PENERAPAN ETIKA BISNIS ISLAM DALAM TRANSAKSI JUAL BELI DI PASAR TRADISIONAL (STUDI PADA PT BANGUN PRIMA LESTARI KENCANA BEKASI) 伊斯兰商业伦理在传统市场上的买卖交易中的应用(PT BANGUN PRIMA LESTARI KENCANA BEKASI的研究)
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i1.228
Muhammad Nur Ishak, Robiatul Adawia
Islam is a complete and integrated system and way of life. He provides guidance on all aspects of life, including the commerce or sales sector. The purpose of this study is to find out how the understanding of Islamic business ethics among new market traders in Bekasi and how to apply Islamic business ethics among new market traders in Bekasi. The type of research conducted by the author is field research, namely research that is directly related to the object under study. The method used in this study is a qualitative descriptive method. The number of samples of traders in the new market in the new market of Bekasi is 20 respondents. The results of this study are based on the facts obtained from new market traders, about 17 people or 85% understand business ethics in trading, 2 people or 10% do not understand it, 1 person or 5% who do not understand Islamic business ethics in trading. Therefore, it can be concluded that a trader must apply the principles of Islamic business ethics in trading as well as position himself as a trader who applies honesty in order to become a businessman who adheres to Islamic business ethics.
伊斯兰教是一个完整而完整的制度和生活方式。他在生活的各个方面提供指导,包括商业或销售部门。本研究的目的是了解勿加西新市场交易者对伊斯兰商业伦理的理解情况,以及如何在勿加西新市场交易者中应用伊斯兰商业伦理。作者所进行的研究类型是实地研究,即与研究对象直接相关的研究。本研究采用的方法是定性描述法。贝卡西新市场新市场贸易商样本数量为20人。本研究的结果是基于从新市场交易者那里获得的事实,大约17人或85%的人了解交易中的商业道德,2人或10%的人不了解,1人或5%的人不了解伊斯兰交易中的商业道德。因此,可以得出结论,交易者必须在交易中应用伊斯兰商业道德原则,并将自己定位为一个应用诚实的交易者,才能成为一个坚持伊斯兰商业道德的商人。
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引用次数: 0
STUDI KOMPARATIF KINERJA REKSADANA SAHAM SYARIAH DAN KONVENSIONAL STUDI KASUS DI INDONESIA 伊斯兰教法共同基金绩效比较研究和传统案例研究
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i2.232
Ahmad Rifa’i, Muhammad Rafi Siregar
This study aims to determine whether there is a difference between the performance of conventional and sharia mutual funds and to find out the difference between the sharia index (JII) and the conventional index (IHSG). The population of this research is all stock mutual funds that cooperate with Indo Premier Sekuritas. Based on the purposive sampling method, there were 65 samples consisting of 14 Islamic stock mutual funds and 51 conventional stock mutual funds. Empirical results show that the performance of Islamic mutual funds is lower than that of conventional mutual funds. In addition, the performance of Islamic and conventional equity mutual funds is better than JII and JCI.
本研究旨在确定传统和伊斯兰共同基金的绩效是否存在差异,并找出伊斯兰指数(JII)与传统指数(IHSG)之间的差异。本研究的对象均为与Indo Premier securitas合作的股票型共同基金。采用目的抽样方法,共选取了65个样本,包括14只伊斯兰股票型共同基金和51只传统股票型共同基金。实证结果表明,伊斯兰共同基金的绩效低于传统共同基金。此外,伊斯兰和传统股票型共同基金的表现优于JII和JCI。
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引用次数: 0
ANALISA INVESTASI BERLANDASAN HUKUM ISLAM 基于伊斯兰法律的投资分析
Pub Date : 2023-02-07 DOI: 10.53990/djei.v3i2.233
Afifah Nur Millatina, Puti Khairani Rijadi
Many people still consider illegal investment activities to be the same as gambling games and so on, even though the Indonesian Ulema Council has carried out ijtihad and Ijma for good investment activities, starting from mutual funds, stocks, and so on. This research will examine all legal aspects regarding investment, the risks faced solutions to avoid investment risks, and so on in accordance with Islamic Sharia laws (Al-Qur'an, Al Hadith, Ijma, and Qiyas). and in investing, of course doing various things including analysis, so this research will discuss how to carry out an analysis of investments in accordance with Islamic law permissible (Al Qur'an, Al Hadst, Ijma, and Qiyas). This research was carried out from various literature and experiences of investors who have tasted a lot of sweetness and bitterness in the investment world. In the current era, there are very many investments that are lured to get 100% results in a short time, basically investing has a process and is not always profitable or even detrimental. This research will discuss dealing with all aspects of society that are deceived by fraudulent investments by theFinancial Services Authority.
许多人仍然认为非法投资活动与赌博游戏等相同,尽管印度尼西亚乌里玛委员会已经开展了从共同基金,股票等开始的ijtihad和Ijma为良好的投资活动。本研究将根据伊斯兰教法(Al- quuran, Al Hadith, Ijma, and Qiyas)检查有关投资的所有法律方面,所面临的风险,避免投资风险的解决方案等。在投资方面,当然要做各种各样的事情,包括分析,所以本研究将讨论如何根据伊斯兰教法(古兰经,圣训,伊玛和齐亚)进行投资分析。这项研究是根据各种文献和投资者的经验进行的,他们在投资世界中尝到了很多甜酸苦辣。在当今时代,有很多投资都是为了在短时间内获得100%的结果,基本上投资有一个过程,并不总是有利可图的,甚至是有害的。本研究将讨论如何处理被金融服务管理局欺诈性投资欺骗的社会各个方面。
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引用次数: 0
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DIRHAM Jurnal Ekonomi Islam
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