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Contact Name
Nur Jamaludin
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jamaludin@stes.isvill.ac.id
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INDONESIA
ISLAMINOMICS
ISSN : 20879202     EISSN : -     DOI : -
Core Subject : Economy,
Islaminomics: Journal of Islamic Economics, Business, Finance published by the Center for Research and community Service (LPPM) of STES Islamic Village. islaminomics published twice a year, in January and July, islaminomics is a journal that focus in Islamic Economics, business, enterpreneurship and finance. Editors invite researchers, lecturers, practitioners as well as the reviewer, industry, and observers to contribute to this journal.
Arjuna Subject : -
Articles 55 Documents
Pengetahuan Konsumen dan Keputusan Menjadi Nasabah (Kasus BSM Kan.Cab Pembantu BSD Tangerang Selatan) Sunardi, Sunardi; Maftukhah, Ana
ISLAMINOMICS Vol 6, No 2 (2015): Agustus
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Abstract

Penelitian ini bertujuan untuk mengetahui pengetahuankonsumen memberikan pengaruh terhadap pengambilan keputusan untukmenjadi nasabah pada PT. Bank Syariah Mandiri KCP BSD TangerangSelatan. Metode yang digunakan dalam penelitian ini adalah penelitiankuantitatif, disebut penelitian kuantitatif dikarenakan data penelitianberupa angka-angka dan analisis menggunakan statistik. Alat uji yangdigunakan dalam penelitian ini yaitu dengan menggunakan metode regresilinier sederhana, dengan metode ini akan didapat pengaruh variabel bebas(Pengetahuan Konsumen) terhadap variabel terikat (PengambilanKeputusan Menjadi Nasabah), dan yang menjadi sampel pada penelitianini adalah nasabah dana pihak ketiga pada PT. Bank Syariah MandiriKCP BSD Tangerang Selatan sebanyak 30 orang, pengambilan sampelmenggunakan teknik Non Probability Sampling dengan metodePurposive Sampling adalah metode pengambilan sampel secara sengajasesuai dengan persyaratan sampel yang diperlukan atau secara sengajamengambil sampel tertentu, dan peneliti mengambil 30 responden sebagaisampel penelitian. Kemudian dilakukan pengujian validitas danrealiabilitas terhadap data yang diperoleh. Hasil penelitian inimenunjukkan bahwa pengetahuan konsumen berpengaruh terhadapkeputusan konsumen sebesar 63,2 %, sedangkan sisanya 36,8%dipengaruhi oleh faktor lain diluar variable X (Pengetahuan Konsumen)yang tidak diteliti.
Analisis Perbandingan Pengaruh Pembiayaan Murabahah Terhadap Laba Bank Mega Syariah Distrik Tangerang Tahun 2015 Sunardi, Sunardi; Indah, Kartika
ISLAMINOMICS Vol 7, No 1 (2016)
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Abstract

Tujuan dari penelitian ini adalah untuk mengujiperbandingan pengaruh pembiayaan murabahah terhadap labaBank Mega Syariah Distrik Tangerang dengan menggunakanrasio Return On Asset (ROA). Metode yang digunakan dalampenelitian ini adalah metode deskriptif kuantitatif, jenis datayang diperoleh merupakan data sekunder yang berdasarkandari hasil laporan keuangan perbulan 5 (lima) kantor cabangpembantu tahun 2015 yaitu Bank Mega Syariah Kantor CabangPembantu Curug, Bank Mega Syariah Kantor Cabang PembantuPasar Kemis, Bank Mega Syariah Kantor Cabang PembantuSukarasa, Bank Mega Syariah Kantor Cabang PembantuTangerang City dan Bank Mega Syariah Kantor CabangPembantu Modern BSD. Pengujian statistik yang digunakanadalah model regresi sederhana dan uji hipotesis. Hasilpenelitian menunjukkan bahwa pembiayaan murabahah tidakmemberikan pengaruh langsung positif terhadap ROA (returnon asset).
The Art of Baitul MaalwaTamwil (BMT) as Islamic Microfinance Institution in Eradicating Poverty and the Framework to Analyse its Performance Chollisni, Atiqi
ISLAMINOMICS Vol 4, No 1 (2013): April
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Abstract

The nature of microfinance is to provide financial services andassist the poor people to become economically independent.Different with conventional microfinance that offers thefinancing scheme based on interest (read;riba), Islamicmicrofinance offers the financing scheme based on shariahprinciples to enhance the development of microentrepreneurs.The paper aims to present the art of baitulmaalwatamwil (BMT)as Islamic microfinance institution in eradicating poverty andpropose a conceptual model on the performance of BMT byanalyzing its efficiency. In the last twenty years, the growth ofBMTs increase significantly and have contributed positively tothe development of socio economic in Indonesia. Recently, it isestimated 4,000 BMTs operated and have enhanced thousandpoor people life. The paper believes that Islamic ethics offers byBMTs have attracted and accepted by society. The paper alsoidentifies the appropriate methods to evaluate efficiency ofBMTs, such evaluation of Islamic microfinance institution tofunction effectively to achieve socio economic objective inorder to increase its performance. The findings are not onlyrelevant and applicable to Indonesia but also to other muslimcountries and would be useful for further empirical research inthis area.
A Framework To Analyse The Efficiency Of Baitul Maal wa Tamwil (BMT) As Islamic Microfinance Institutions in Indonesia Nasution, Atiqi Chollisni
ISLAMINOMICS Vol 4, No 3 (2013)
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Abstract

This paper aims to present a conceptual model on the efficiency of BMT asIslamic microfinance institutions in Indonesia. In the last twenty years, thegrowth of BMTs increase significantly and have contributed positively to thedevelopment of socio economic of the country. Recently, there are around4,000 BMTs operate and have enhanced thousand poor people life. BMTsresponsible in collecting, managing and distributing the funds either forcharity or providing financial services for the poor. The paper identifies theappropriate methods to evaluate efficiency of BMTs, such evaluation ofIslamic microfinance institution to function effectively to achieve socioeconomic objective. The findings are not only relevant and applicable toIndonesia but also to other muslim countries and would be useful for furtherempirical research in this area.
ISLAMIC FINANCING MECHANISM FOR SMALL MEDIUM ENTERPRISES IN AGRICULTURE SECTOR: A PROPOSED MODEL Jazil, Thuba
ISLAMINOMICS Vol 9, No 1 (2019): Januari
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Abstract

This paper aims to discuss the construction of proposed model on the Islamic financing mechanism of Islamic banking system for the agriculture and small medium enterprises sector. A qualitative approach used in this study employing the Participatory Rural Approach and Focus Group Discussion using Triangle Microfinance Concept. The result shows that the synergy of the various sectors ranging from the central government through the Institute of relevant Ministries e.i Ministry of Finance Ministry of Agriculture, Local Government, Non-Profit (Zakat) Organization (BAZNAS/LAZ), Universities, Non-Government Organisations, Supporting Institutions i.e. Islamic agriculture Insurance, Islamic Financing Deposit Insurance, and Rating Agency need to be synergized. Additionally, the distrust of Islamic banking industry is found to allocate a financing to farmers and SMEs actors. Farmers and SMEs actors should be prepared through the empowerment in terms of skills, moral and financial literacy. Establishment of Agriculture Purpose Vehicle is urgent to support the flow of Islamic Financing as to solve the problem of off-farm agriculture, collateral, and positive cooperative relationship.This paper contributes to the bridge the gap between the regulator, Islamic bank’s trust to farmers and SMEs development.
Profit Sharing Financing, FDR, Dan NPF Dan Pengaruhnya Terhadap Profitabilitas Bank Umum Syariah Jamaludin, Nur; Kuriyah, Siti
ISLAMINOMICS Vol 7, No 2 (2016)
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Abstract

Penelitian ini bertujuan untuk menguji pengaruhPembiayaan Bagi Hasil, Financing to Deposit Ratio (FDR), dan NonPerforming Financing (NPF) terhadap Profitabilitas yangdiproksikan dengan Return On Asset (ROA) pada Bank UmumSyariah di Indonesia periode 2009-2013. Data yang digunakandalam penelitian ini diperoleh dari data Laporan KeuanganPublikasi Triwulanan Bank Umum Syariah periode 2009-2013.Hasil penelitian menunjukan bahwa variable NPF berpengaruhnegative dan signifikan terhadap ROA Bank Umum Syariah.Pembiayaan bagi hasil berpengaruh negative dan tidak signifikanterhadap ROA Bank Umum Syariah. Sedangkan variable FDRberpengaruh negatif dan tidak signifikan terhadap ROA BankUmum Syariah. Kemampuan prediksi dari ketiga variable tersebutterhadap ROA sebesar 70%, sedangkan sisanya dipengaruhi olehfaktor lain diluar model penelitian. Hasil penelitian ini diharapkandapat menjadi pedoman bagi manajemen Bank Umum Syariahdalam mengelola perusahaan.
PENGARUH DPK, INFLASI, DAN NPF TERHADAP PEMBIAYAAN UKM; STUDI PADA BANK SYARIAH DI INDONESIA 2012-2013 Muklis, Muklis; Wahdaniyah, Thoatul
ISLAMINOMICS Vol 5, No 2 (2014): Agustus
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Abstract

Keberlangsungan UKM sangat dipengaruhi oleh pembiayaan danpembiayaan UKM dipengaruhi secara signifikan oleh jumlah DPK,inflasi, dan NPF. Ketiganya mampu menjelaskan perubahan sebesar98,6% yang secara parsial dengan level of significant 5% ketigavariabel dependen memengaruhi secara signifikan terhadappembiayaan UKM kecuali tingkat inflasi. Hal ini ditunjukkan olehnilai koefisien beta sebesar -636,008. Secara berurut palingberpengaruh adalah DPK, kemudian NPF, dan terakhir factorinflasi. Alat analisa yang penulis gunakan yaitu kuantitatif analisisregresi linier berganda dengan pertimbangan R2, Uji T-test, Uji F,serta uji asumsi klasik yaitu uji normalitas, multikolinieritas,heteroskedastisitas, dan autokorelasi.
PENGELOLAAN ALOKASI DANA DESA UNTUK PEMBERDAYAAN MASYARAKAT: PERSPEKTIF MAQASHID SYARIAH Maulana, Agung; Hilmi, Ahmad Rizki Zulfikar; Andini, Ayu
ISLAMINOMICS Vol 9, No 1 (2019): Januari
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Abstract

This study examines the concept of maqoshid al-Shariah in Alokasi Dana Desa (Allocation of Village Fund). Furthermore, ADD is the fund allocated by the National Government to the village in order to enhance the development of economic, social and infrastructure the villages. Through the ADD, Village administrators have authority to manage the independently the development of the village based on the local villagers. The concept of maqoshid al-Syariah in this research used to analyze the implementation of ADD in Desa Cilebut Barat, Kabupaten Bogor. The objective of this research is to examine the effectiveness of Cilebut Barat Village Administrator in order to manage the Village Fund based on the maqoshid al-Syariah perspective. This reseach complies the qualitative methode using the primary and secondary data. The Findings of this research are1) the Allocation of Village Fund in Cilebut Barat has been distributed well, effective. The Fund used by the village administrator fulfills the requirement, prosedures. 2) the absorption of village fund to facilitate the village programs is achieved optimally. 3)The Alacotion of Village Fund in Desa Cilebut complies to the maqoshid Syariah, this is proveed with the distribution of the fund fulfill the all elements of maqoshid Syariah.
ANALISIS PEMBIAYAAN MURABAHAH PADA BSM: PERSPEKTIF MAQASID AL-SHARIAH Suardi, Didi
ISLAMINOMICS Vol 9, No 1 (2019): Januari
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Abstract

This research attepts to exmine the concept of maqoshid al-Syariah in Islamic jurisprudence in order to highlight its contribution in to more comprehensive, rational, and realistic answers to contemporary financial issues and to thereby increase awareness of the maqoshid approach in structuring and developing Islamic banking products. For this purpose, the article examines the product of murabahah schema in Bank Syariah Mandiri (BSM) branch of Cileduk in order to assess the implementation of this product whether complies with the maqoshid or not. The findings of this reseash are murabahah financing of Bank Syariah mandiri does not yet comply with maqoshid al-Syariah. The second results is the process of murahabah financing in this bank is conducted by transferring the cash money to clients in order to present flexibility, efeciency, and to reduce the tax of financing. This means the BSM implementating murabahah li al –amir bi alshir’a model in its financing. 
ZAKAT AND EDUCATION FOR POVERTY ALLEVIATION AND INCOME INEQUALITY REDUCTION: A CASE STUDY OF WEST JAVA, INDONESIA Ayuniyyah, Qurroh; Pramanik, Ataul Huq; Saad, Norma Md.; Ariffin, Muhammad Irwan
ISLAMINOMICS Vol 9, No 1 (2019): Januari
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Abstract

This study attempts to investigate the role of zakat for poverty alleviation and income inequality reduction based on the educational background of the zakat beneficiaries in three different regions including Bogor, Depok and Sukabumi Indonesia by using CIBEST model, Gini coefficient and Atkinson index. It takes the case study of 1309 households zakat recipients managed by the national zakat board (BAZNAS) in each city and regency under consideration. This study suggests that the existences of zakat distribution programs after one year appear to have better effect in terms of poverty alleviation and income inequality reduction on the household heads who attend formal and informal schools as compared to the household heads who never attain such educational backgrounds.