Since the time of the Covid-19 Pandemic, economic sectors have implemented work from home (WFH) policy as well as the world of education organizing school activities and lectures online. This condition encourages the public to comply with government directions so that there is no wider spread of Covid-19. With the existence of restrictions on community activities in various fields, those who really feel the impact are the entrepreneurs of the Micro, Small, and Medium Enterprises (MSMEs). This research uses qualitative research methods with primary and secondary data. This study finds that it is necessary to have the role of financial institutions that can support the capital of MSMEs. Sharia Financial Institutions (LKS) are institutions engaged in the financial sector, both collection and financing as well as operations in other financial services. As an LKS, in carrying out its role, KSPPS BMT Pratama Cahaya Mentari has the potential to run with extraordinary support from Muhammadiyah residents and the local environment. In addition, to support from the community, BMT PCM has strong pillars, including diverse and solution products and services. The latest system of procedures, prudence, and compliance with SDI's sharia and integrity, professional and competent leadership, infrastructure that seeks to be reliable, sturdy and adaptive, safe, and directed. The implementation of KSPPS BMT Pratama Cahaya Mentari has been running 51%.
自2019冠状病毒病大流行以来，经济部门实施了在家工作(WFH)政策，教育界组织了学校活动和在线讲座。这种情况鼓励公众遵守政府的指示，以防止Covid-19的更广泛传播。随着社区活动在各个领域受到限制的存在，真正感受到影响的是中小微企业的企业家。本研究采用定性研究方法，结合一手资料和第二手资料。本研究发现，中小微企业必须发挥金融机构的作用，为中小微企业提供资金支持。伊斯兰金融机构(LKS)是从事金融部门的机构，包括收款和融资以及其他金融服务的运营。作为LKS, KSPPS BMT Pratama Cahaya Mentari在履行其职责时，有可能在穆罕默德迪亚居民和当地环境的大力支持下运行。此外，在社区的支持下，BMT PCM拥有强大的支柱，包括多样化和解决方案的产品和服务。最新的系统的程序，审慎，并符合SDI的伊斯兰教法和诚信，专业和称职的领导，基础设施寻求可靠，坚固，适应性强，安全和指导。实施KSPPS BMT Pratama Cahaya Mentari已运行51%。
{"title":"PERAN LEMBAGA KEUANGAN SYARI’AH DI MASA PANDEMI COVID-19 DALAM MERANGKUL UMKM (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu)","authors":"Wahidin Musta’in Billah","doi":"10.53990/djei.v2i2.121","DOIUrl":"https://doi.org/10.53990/djei.v2i2.121","url":null,"abstract":"Since the time of the Covid-19 Pandemic, economic sectors have implemented work from home (WFH) policy as well as the world of education organizing school activities and lectures online. This condition encourages the public to comply with government directions so that there is no wider spread of Covid-19. With the existence of restrictions on community activities in various fields, those who really feel the impact are the entrepreneurs of the Micro, Small, and Medium Enterprises (MSMEs). This research uses qualitative research methods with primary and secondary data. This study finds that it is necessary to have the role of financial institutions that can support the capital of MSMEs. Sharia Financial Institutions (LKS) are institutions engaged in the financial sector, both collection and financing as well as operations in other financial services. As an LKS, in carrying out its role, KSPPS BMT Pratama Cahaya Mentari has the potential to run with extraordinary support from Muhammadiyah residents and the local environment. In addition, to support from the community, BMT PCM has strong pillars, including diverse and solution products and services. The latest system of procedures, prudence, and compliance with SDI's sharia and integrity, professional and competent leadership, infrastructure that seeks to be reliable, sturdy and adaptive, safe, and directed. The implementation of KSPPS BMT Pratama Cahaya Mentari has been running 51%.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"78 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133935524","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}
Work motivation and employee performance have an important role in the running of the company, in this case, the Cupping Center Clinic and Ruqyah, as well as to meet the service standards that have been determined and to be able to survive in the competition amid the rampant business of similar types lately. In this study, the authors wanted to analyze the work motivation and performance of employees at the Center of Cupping and Ruqyah Pedurenan clinics using qualitative methods by interviewing several employees and heads of clinic branches of the Center for Cupping and Ruqiyah Pedurenan. And with this research, the authors conclude that employees of the Central Cupping Center Clinic and Ruqyah Pedurenan employees are less satisfied with the salary received, and the work motivation and performance of employees decrease, even though employees still have the motivation to survive because of several factors including life necessities, but more It is important to want to create a better work environment because with work motivation and good performance hope to be able to improve work careers and also change in income.
工作动机和员工绩效对公司的运营有着重要的作用，在这个案例中，拔罐中心诊所和Ruqyah，以及达到已经确定的服务标准，能够在最近同类业务猖獗的竞争中生存下来。在本研究中，作者想通过访谈几位拔火罐中心和Ruqiyah Pedurenan诊所分支机构的员工和负责人，用定性的方法分析拔火罐中心和Ruqiyah Pedurenan诊所员工的工作动机和绩效。通过本研究，笔者得出结论:Central Cupping Center Clinic和Ruqyah Pedurenan的员工对所收到的工资的满意度较低，员工的工作动机和绩效下降，尽管员工仍然有生存的动力，但由于生活需要，但更重要的是要创造一个更好的工作环境，因为有了工作动机和良好的表现，希望能够改善工作生涯，也能改变收入。
{"title":"ANALISIS MOTIVASI KERJA DAN KINERJA KARYAWAN DI KLINIK PUSAT BEKAM DAN RUQYAH PEDURENAN","authors":"Muhammad Nur Ishak","doi":"10.53990/djei.v2i2.118","DOIUrl":"https://doi.org/10.53990/djei.v2i2.118","url":null,"abstract":"Work motivation and employee performance have an important role in the running of the company, in this case, the Cupping Center Clinic and Ruqyah, as well as to meet the service standards that have been determined and to be able to survive in the competition amid the rampant business of similar types lately. In this study, the authors wanted to analyze the work motivation and performance of employees at the Center of Cupping and Ruqyah Pedurenan clinics using qualitative methods by interviewing several employees and heads of clinic branches of the Center for Cupping and Ruqiyah Pedurenan. And with this research, the authors conclude that employees of the Central Cupping Center Clinic and Ruqyah Pedurenan employees are less satisfied with the salary received, and the work motivation and performance of employees decrease, even though employees still have the motivation to survive because of several factors including life necessities, but more It is important to want to create a better work environment because with work motivation and good performance hope to be able to improve work careers and also change in income.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125420461","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}
Baitul Maal wat Tamwil (BMT) is a microfinance institution that operates based on profit sharing. Conceptually, BMT has two functions: to develop a productive business, and also to invest in improving the economic quality and small entrepreneurs. This study aims to determine the financial management of the KSPPS PCM Rawalumbu. The method used qualitative data analysis based on the results of questionnaires. The results of this study indicate that the KSPPS PCM Rawalumbu, which was just born on November 25th, 2020, currently, has 70 (seventy) members, consisting of cooperative members and ordinary members. However, the financial support of this KSPPS still needs support from the Head of Muhammadiyah Rawalumbu (Pimpinan Cabang Muhammadiyah/PCM Rawalumbu) because it was just recently established. Financing lending still for consumptive needs (such as laptops, motorbikes, etc). However, it has met the adequacy of business needs, and the profit-sharing has also been in accordance with the existing agreement.
Baitul Maal wat Tamwil (BMT)是一家以利润分享为基础的小额信贷机构。从概念上讲，BMT有两个功能:一是发展生产性企业，二是投资于提高经济质量和小企业。本研究旨在确定KSPPS PCM拉瓦伦布的财务管理。方法采用基于问卷调查结果的定性数据分析。本研究结果表明，于2020年11月25日刚刚诞生的KSPPS PCM Rawalumbu目前拥有70(70)个成员，包括合作成员和普通成员。然而，这个KSPPS的财政支持仍然需要Muhammadiyah Rawalumbu (Pimpinan Cabang Muhammadiyah/PCM Rawalumbu)负责人的支持，因为它刚刚成立。融资贷款仍为消费性需求(如笔记本电脑、摩托车等)。但是，它已经充分满足了业务需求，利润分享也一直按照现有协议进行。
{"title":"SOSIALISASI BAITUL MAAL WA TAMWIL TERHADAP USAHA KECIL MENENGAH DAN PELAJAR SEKOLAH (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu)","authors":"Puti Khairani Rijadi","doi":"10.53990/djei.v2i2.122","DOIUrl":"https://doi.org/10.53990/djei.v2i2.122","url":null,"abstract":"Baitul Maal wat Tamwil (BMT) is a microfinance institution that operates based on profit sharing. Conceptually, BMT has two functions: to develop a productive business, and also to invest in improving the economic quality and small entrepreneurs. This study aims to determine the financial management of the KSPPS PCM Rawalumbu. The method used qualitative data analysis based on the results of questionnaires. The results of this study indicate that the KSPPS PCM Rawalumbu, which was just born on November 25th, 2020, currently, has 70 (seventy) members, consisting of cooperative members and ordinary members. However, the financial support of this KSPPS still needs support from the Head of Muhammadiyah Rawalumbu (Pimpinan Cabang Muhammadiyah/PCM Rawalumbu) because it was just recently established. Financing lending still for consumptive needs (such as laptops, motorbikes, etc). However, it has met the adequacy of business needs, and the profit-sharing has also been in accordance with the existing agreement.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125572232","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine whether the marketing strategy, marketing mix includes applied products, prices, promotions, locations, people, processes and physical evidence at the Center of Cupping and Ruqyah clinics can increase customers in the academy period. This research is a qualitative study using the phenomenological method, using interview and observation techniques to collect sample data of employees and clinic customers at the Center of Cupping and Ruqiyah Pedurenan. The results showed that the marketing strategy implemented in the midst of a pandemic at the Center for Cupping and Ruqiyah Pedurenan clinics in the form of a marketing mix that included products, prices, promotions, locations, people, processes, and the physical evidence had an impact on increasing customers during the pandemic. Cupping Center Clinic and Ruqiyah Pedurenan should maintain the best-applied marketing mix. The marketing solutions for the Center of Cupping and Ruqiyah Pedurenan clinics are already good, and it will be even better if the clinic continues to improve its marketing strategy considering that currently there are many similar cupping businesses that provide better service, and this is a spur for clinics to continue to innovate and improve quality. service and marketing.
{"title":"ANALISIS STRATEGI PEMASARAN DALAM MENINGKATKAN PELANGGAN DI MASA PANDEMI (Studi Kasus Klinik Pusat Bekam Dan Ruqyah Pedurenan)","authors":"Muhammad Nur Ishak","doi":"10.53990/djei.v2i2.119","DOIUrl":"https://doi.org/10.53990/djei.v2i2.119","url":null,"abstract":"This study aims to determine whether the marketing strategy, marketing mix includes applied products, prices, promotions, locations, people, processes and physical evidence at the Center of Cupping and Ruqyah clinics can increase customers in the academy period. This research is a qualitative study using the phenomenological method, using interview and observation techniques to collect sample data of employees and clinic customers at the Center of Cupping and Ruqiyah Pedurenan. The results showed that the marketing strategy implemented in the midst of a pandemic at the Center for Cupping and Ruqiyah Pedurenan clinics in the form of a marketing mix that included products, prices, promotions, locations, people, processes, and the physical evidence had an impact on increasing customers during the pandemic. Cupping Center Clinic and Ruqiyah Pedurenan should maintain the best-applied marketing mix. The marketing solutions for the Center of Cupping and Ruqiyah Pedurenan clinics are already good, and it will be even better if the clinic continues to improve its marketing strategy considering that currently there are many similar cupping businesses that provide better service, and this is a spur for clinics to continue to innovate and improve quality. service and marketing.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121346592","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The purpose of this research is to improve the financial performance of Baitul Maal wat Tamwil (BMT) Pratama Cahaya Mentari Rawalumbu Kota Bekasi using SWOT analysis. In this study, using primary and secondary data obtained from financial reports. The research method used is a descriptive qualitative method. Based on the ministerial regulation, regarding the cooperative with achievements, it can be concluded that performance and financial management at BMT based on the results of the data are considered to have been running at 51%. This is due to the limited funds that can be used. In terms of cash flow, it is still minus because BMT KSPPS Pratama Cahaya Mentari has just been established, while there are fixed expenses that must be issued every month such as electricity and employee salaries. This is still assisted by the leadership of the Muhammadiyah Rawalumbu Branch.
本研究的目的是利用SWOT分析来提高Baitul Maal wat Tamwil (BMT) Pratama Cahaya Mentari Rawalumbu Kota Bekasi的财务绩效。在本研究中，使用从财务报告中获得的一手和二手数据。使用的研究方法是描述性定性方法。根据部级规定，对于有业绩的合作社，可以得出结论，BMT基于数据结果的绩效和财务管理被认为已经运行了51%。这是由于可以使用的资金有限。在现金流方面，由于BMT KSPPS Pratama Cahaya Mentari刚刚成立，所以仍然是负的，而每个月都有固定的费用必须发放，比如电费和员工工资。这仍然得到穆罕默迪亚·拉瓦伦布支部领导的协助。
{"title":"ANALISIS KINERJA KEUANGAN BMT (KSPPS) (Studi Kasus BMT Pratama Cahaya Mentari Rawalumbu Kota Bekasi)","authors":"Wahidin Musta’in Billah","doi":"10.53990/djei.v2i2.120","DOIUrl":"https://doi.org/10.53990/djei.v2i2.120","url":null,"abstract":"The purpose of this research is to improve the financial performance of Baitul Maal wat Tamwil (BMT) Pratama Cahaya Mentari Rawalumbu Kota Bekasi using SWOT analysis. In this study, using primary and secondary data obtained from financial reports. The research method used is a descriptive qualitative method. Based on the ministerial regulation, regarding the cooperative with achievements, it can be concluded that performance and financial management at BMT based on the results of the data are considered to have been running at 51%. This is due to the limited funds that can be used. In terms of cash flow, it is still minus because BMT KSPPS Pratama Cahaya Mentari has just been established, while there are fixed expenses that must be issued every month such as electricity and employee salaries. This is still assisted by the leadership of the Muhammadiyah Rawalumbu Branch.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"69 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-09","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115060834","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The rapid development of Islamic banks requires Islamic banks to continue to create value as a competitive advantage and demonstrate the healthy performance of Islamic banks. There are several determinant factors as the creator of added value, namely Islamic Corporate Governance, Islamic Corporate Social, and Intellectual Capital. With the increase in the added value factor, the performance of Islamic banks will improve and be able to absorb the market share of Islamic banks to be wider. Islamic Bank Financial Performance in this study uses the measurement of the Islamix Performance Index (IPI). By using the analysis tool EViews 9, the results of a partial regression test are obtained that the three factors that add value to the company, namely ICG, ICSR, IC, affect the financial performance of Islamic banks.
{"title":"IMPROVING FINANCIAL PERFORMANCE THROUGH ISLAMIC CORPORATE GOVERNANCE, ISLAMIC CORPORATE SOCIAL, AND INTELLECTUAL CAPITAL","authors":"Yusvita Nena, Istiana Lailaulfa","doi":"10.53990/djei.v2i1.99","DOIUrl":"https://doi.org/10.53990/djei.v2i1.99","url":null,"abstract":"The rapid development of Islamic banks requires Islamic banks to continue to create value as a competitive advantage and demonstrate the healthy performance of Islamic banks. There are several determinant factors as the creator of added value, namely Islamic Corporate Governance, Islamic Corporate Social, and Intellectual Capital. With the increase in the added value factor, the performance of Islamic banks will improve and be able to absorb the market share of Islamic banks to be wider. Islamic Bank Financial Performance in this study uses the measurement of the Islamix Performance Index (IPI). By using the analysis tool EViews 9, the results of a partial regression test are obtained that the three factors that add value to the company, namely ICG, ICSR, IC, affect the financial performance of Islamic banks.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129330328","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}
Researchers see some people still do not understand about the mechanism in applying home financing products in sharia banks. This research aims to provide information about the process of applying for sharia-based housing financing, but also wants to know whether the process has implemented Islamic Business Ethics and the foundation of law and sharia. Islamic Business ethics theory refers to the instrument or regulation of three principles of regulation of the Financial Services Authority No. 4/POJK. 05/2018. About secondary housing Financing Company Article 8 paragraph (3) namely the principle of justice (' ADL), balance (Tawazun), Benefits (Maslahah), and Universalism (Alamiyah), does not contain things forbidden, such as Riba, Maisir, Gharar, Zalim, Risywah, Maksiat, Haram object, and carried out by using AKAD in accordance with the fatwa of the National Sharia Council of Ulama Indonesia (DSN MUI). The collection of research data is done by observation methods, interviews, and documentation. Analysis is done with a qualitative descriptive approach, using source triangulation.
{"title":"ANALISIS PENERAPAN ETIKA BISNIS ISLAM DALAM MEKANISME PENGAJUAN PRODUK PEMBIAYAAN GRIYA RUMAH BARU DI BANK SYARIAH MANDIRI KANTOR AREA THAMRIN – JAKARTA PUSAT","authors":"Puti Khairani Rijadi, Wildan Afifah Hakih","doi":"10.53990/djei.v2i1.102","DOIUrl":"https://doi.org/10.53990/djei.v2i1.102","url":null,"abstract":"Researchers see some people still do not understand about the mechanism in applying home financing products in sharia banks. This research aims to provide information about the process of applying for sharia-based housing financing, but also wants to know whether the process has implemented Islamic Business Ethics and the foundation of law and sharia. Islamic Business ethics theory refers to the instrument or regulation of three principles of regulation of the Financial Services Authority No. 4/POJK. 05/2018. About secondary housing Financing Company Article 8 paragraph (3) namely the principle of justice (' ADL), balance (Tawazun), Benefits (Maslahah), and Universalism (Alamiyah), does not contain things forbidden, such as Riba, Maisir, Gharar, Zalim, Risywah, Maksiat, Haram object, and carried out by using AKAD in accordance with the fatwa of the National Sharia Council of Ulama Indonesia (DSN MUI). The collection of research data is done by observation methods, interviews, and documentation. Analysis is done with a qualitative descriptive approach, using source triangulation.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"124 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133565023","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
This study aims to determine the implementation of the margin calculation method on murabahah financing contracts at BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo. This type of research is a qualitative research. Qualitative method is a research method that uses the philosophy of positivism as a basis, this method is used to conduct research in conditions of natural objects. This study shows the results that the percentage margin for murabahah financing is determined by the size of the financing ceiling proposed by each customer, at BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo, the maximum ceiling in accordance with the policy of the Islamic Bank central team is only 50,000,000 . BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo in calculating the profit margin for murabahah financing using the principal calculation method, which is a simple formula used by BMT to determine the total installments, principal financing and profit margins.
{"title":"IMPLEMENTASI METODE PERHITUNGAN MARGIN PADA AKAD PEMBIAYAAN MURABAHAH BMT UGT SIDOGI","authors":"Hayatul Millah, Nurul Hayati","doi":"10.53990/djei.v2i1.101","DOIUrl":"https://doi.org/10.53990/djei.v2i1.101","url":null,"abstract":"This study aims to determine the implementation of the margin calculation method on murabahah financing contracts at BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo. This type of research is a qualitative research. Qualitative method is a research method that uses the philosophy of positivism as a basis, this method is used to conduct research in conditions of natural objects. This study shows the results that the percentage margin for murabahah financing is determined by the size of the financing ceiling proposed by each customer, at BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo, the maximum ceiling in accordance with the policy of the Islamic Bank central team is only 50,000,000 . BMT UGT Sidogiri Capem Semampir Kraksaan Probolinggo in calculating the profit margin for murabahah financing using the principal calculation method, which is a simple formula used by BMT to determine the total installments, principal financing and profit margins.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"10 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123540940","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}
In theory, the increase in bank financial income should automatically increase its zakat. This is because income is no longer a measure of company performance, but instead zakat is a measure of the company's financial performance. However, the reality that occurs in the financial data of Islamic Commercial Banks in Indonesia for 2013-2018 does not always increase the bank's income, automatically its zakat also increases. Likewise with the theory of Corporate Social Responsibility (CSR), when the income of a bank company increases automatically, Corporate Social Responsibility (CSR) should also increase. However, in fact, in the financial data of Islamic Commercial Banks in Indonesia for 2013-2018, the increased bank income had no effect on the increase in their corporate social responsibility. This research is a quantitative research, the data source comes from secondary data in the form of time series and cross-section data from 2013-2018. The data analysis technique used panel data regression estimation method, with t test and f test. Which is analyzed using Eviews 9 Software. The results show that partially incame banking does not have a significant effect on zakat of Islamic Commercial Banks in Indonesia, partially corporate social responsibility has a significant effect on zakat of Islamic Commercial Banks in Indonesia. Meanwhile, simultaneously income banking and corporate social responsibility have a significant effect on zakat of Islamic Commercial Banks in Indonesia with a R2 value of 0.2092 or 20.92 percent, which means that 79.08 percent is influenced by other variables not discussed in this study.
{"title":"PENGARUH ZAKAT DAN CORPORATE SOCIAL RESPONSIBILITY TERHADAP INCOME BANK UMUM SYARIAH DI INDONESIA PERIODE 2013-2018","authors":"Damri Batubara","doi":"10.53990/djei.v2i1.97","DOIUrl":"https://doi.org/10.53990/djei.v2i1.97","url":null,"abstract":"In theory, the increase in bank financial income should automatically increase its zakat. This is because income is no longer a measure of company performance, but instead zakat is a measure of the company's financial performance. However, the reality that occurs in the financial data of Islamic Commercial Banks in Indonesia for 2013-2018 does not always increase the bank's income, automatically its zakat also increases. Likewise with the theory of Corporate Social Responsibility (CSR), when the income of a bank company increases automatically, Corporate Social Responsibility (CSR) should also increase. However, in fact, in the financial data of Islamic Commercial Banks in Indonesia for 2013-2018, the increased bank income had no effect on the increase in their corporate social responsibility. This research is a quantitative research, the data source comes from secondary data in the form of time series and cross-section data from 2013-2018. The data analysis technique used panel data regression estimation method, with t test and f test. Which is analyzed using Eviews 9 Software. The results show that partially incame banking does not have a significant effect on zakat of Islamic Commercial Banks in Indonesia, partially corporate social responsibility has a significant effect on zakat of Islamic Commercial Banks in Indonesia. Meanwhile, simultaneously income banking and corporate social responsibility have a significant effect on zakat of Islamic Commercial Banks in Indonesia with a R2 value of 0.2092 or 20.92 percent, which means that 79.08 percent is influenced by other variables not discussed in this study.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"5 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129575749","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
The author summarizes the problem formulation which aims to understand the statistical results of the effect of BOPO, CAR, NIM, FDR Net, NPF, ROA on the Profitability at PT BRI Syariah 2009-2020. This research uses a descriptive style by making quantitative case studies. The partial test results that have been carried out based on the Linear Regression Analyze model of the ROA component of Standardized Coefficients Beta shows the most influential component is 0,809 which is able to explain 80,9% very strong interest rates, TCount 4,693 TTable 2,17881 significance value 0,005 0,050 The hypothesis is accepted that the residuals are normally distributed to Profitability and the simultaneous test results that have been launched based on the Summary of Linear Regression Analysis Model together with the independent variable indicator of 0,996 are able to explain 99,6% of the very strong relationship between the dependent variables, FCount 116,023 FTable 4,95 Significance value 0,000 0,050 The accepted hypothesis is that the residuals are normally distributed to Profitability.
{"title":"PENGARUH BOPO, CAR, NIM, FDR, NPF Net, ROA TERHADAP ROE PADA PT BANK RAKYAT INDONESIA SYARIAH TBK.","authors":"Husni Mubarok","doi":"10.53990/djei.v2i1.98","DOIUrl":"https://doi.org/10.53990/djei.v2i1.98","url":null,"abstract":"The author summarizes the problem formulation which aims to understand the statistical results of the effect of BOPO, CAR, NIM, FDR Net, NPF, ROA on the Profitability at PT BRI Syariah 2009-2020. This research uses a descriptive style by making quantitative case studies. The partial test results that have been carried out based on the Linear Regression Analyze model of the ROA component of Standardized Coefficients Beta shows the most influential component is 0,809 which is able to explain 80,9% very strong interest rates, TCount 4,693 TTable 2,17881 significance value 0,005 0,050 The hypothesis is accepted that the residuals are normally distributed to Profitability and the simultaneous test results that have been launched based on the Summary of Linear Regression Analysis Model together with the independent variable indicator of 0,996 are able to explain 99,6% of the very strong relationship between the dependent variables, FCount 116,023 FTable 4,95 Significance value 0,000 0,050 The accepted hypothesis is that the residuals are normally distributed to Profitability.","PeriodicalId":432959,"journal":{"name":"DIRHAM Jurnal Ekonomi Islam","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-07-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132110465","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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