ICIEFI diselenggarakan bersama oleh Departemen Ekonomi yang menawarkan International Program for Islamic Economics and Finance (IPIEF) dan Islamic Financial Economics and Banking (EKPI), dengan Departemen Muamalah atau Islamic Banking Economics (EPI) dan Center for Islamic Banking Economics (EPI). Pembangunan Ekonomi (PPEI) Universitas Muhammadiyah Yogyakarta, dalam rangka Dies Natalis (Milad) ke-34 universitas. Ikatan Ahli Ekonomi Islam Daerah Istimewa Yogyakarta (IAEI Yogyakarta); dan Majelis Tarjih dan Tajdid (MTT).
RESEARCH OBJECTIVES
First, the study contributes to the discussion on the topic of SMEs in Indonesia, Islamic financial institutions in Indonesia and the concept of Al-Manihah. Second, in the field of Islamic financial institutions, the study will contribute to the understanding of the application, implementation, operation and SWOT analysis of the Al-Manihah concept.
SCOPE AND LIMITATION OF THE STUDY
It is necessary to implement it because of the bright prospects in the utilization of productive assets and the development of the country's economy through the development of SMEs. This is due to the fact that life will not progress without engaging in this responsibility (Abd al-Halim, 1992).
ISLAMIC FINANCIAL INSTITUTIONS
To see the big picture of the development of SME, it is necessary to look back at the Islamic history to relate the implementation of the Al-Manihah concept. The Al-Manihah concept can reduce the burden of SMEs related to the definition of the concept.
AL-MANIHAH CONCEPT
- The Legal Basis
- Types
- The Responsibility of the Borrower
- Lending and Leasing the Object to Third Party
- The benefits
If the owner of the asset limits the limit, there is no other option for the borrower but to follow it. It is therefore allowed to violate the restriction if there are problems with the use of the asset.
VARIABLES IN THE QUANTITATIVE ANALYSIS
Quantitative and qualitative methods are combined at the beginning of the qualitative phase while selecting participants for case study analysis and developing interview questions. The results of both phases (quantitative and qualitative) will be combined during the discussion of the outcome of the whole study.
TARGET POPULATION AND SAMPLE
The combination of quantitative and qualitative methods complement each other and identify more complete analyzes (Greene, J. C., et al, 1989). In relation to the table above, the quantitative sample size is a minimum of 64 participants for the successive hypothesis.
PHASE I QUALITATIVE .1 Data Collection
Data Analysis
However, for the qualitative sample size, the minimum will be 6 participants as it is a focus group made up of experts and knowledgeable people from Islamic financial institutions.
Reliability and Validity
PHASE II QUANTITATIVE .1 Data Collection
Data Analysis
Before analyzing the quantitative results of the research, the data is examined in the factorial analysis. All statistical analyzes of the quantitative results were performed using the Statistical Package for the Social Sciences Software (SPSS) version 21.0.
Reliability and Validity
Islamic financial institutions are strong, and also when the population's social solidarity and responsibility is strong. Other Islamic financial institutions such as BMT, BMI and BZN use Qordulhasan for the operation of the Al-Manihah concept.
Correlation and Regression
However, the implementation of the concept in Islamic financial institutions can only be done for the non-profit or non-commercial institutions. To get a meaningful model, it must undergo a cronbach alpha test to determine the reliability of the variables.
CONTRIBUTION AND RECOMMENDATION OF THE STUDY
However, it needs further tests such as factor analysis to determine the compactness and reliability of the variables by reducing redundant and unnecessary variables. Finally, in order to achieve a significant model, the study of correlation and regression of the variables should be done.
SUGGESTION FOR FURTHER RESEARCH
Haris, 2014, Interview Session of Concept Al-Manihah, interview by Ahmad Dahlan Malik on 7 June 2014. In: Tambunan, T., 2008, “SME Development in Indonesia: Do Economic Growth and Government Support Matter?”, Retrieved 7. in February 2014.
Introduction
This analysis is an attempt to trace the history and development of the fatwā on ribā in Indonesia from a theological and political perspective. Meanwhile, the political perspective of the fatwā focuses on the relationship between MUI and the state in the context of MUI religious authority in Indonesia and the reactions to the emergence of the fatwā.
The Fatwā on Ribā and the Religious Perspective
However, Din Syamsuddin refused to comment on the extent of the differences of opinion among the "ulama" in the MUI over the fatwa. He also stated that bank interest cannot be balanced with ribā if the interest is part of the capital.
The Influence of the Fatwā to the Muslim Community
The reason why Maruf Amin changed his mind was probably Nahdlatul 'Ulama and Muhammadiyah disagreed with the fatwan on bank interest. Political and organizational interests also influence the reaction of NU and Muhammadiyah to the issuance of the fatwa on bank interest.
Conclusion
INTRODUCTION
Subsequently, the collection and disbursement of zakat funds showed a positive trend over the years and played an important role for socio-economic improvement of the country. So that there are three possible inquiries as an entry point to naturally explore the above topic, namely (1) what is the contribution of the zakat fund to promote economic growth in Malaysia.
LITERATURE REVIEW 1. Economic Impacts of Zakat
- The Contribution of Zakat in Malaysian Economy
- Financial Sector Development and Economic Growth
A part of the zakat transfers can be allocated to the recipients to participate directly and actively in productive activities, relevant to their abilities. One of the reasons appears to be because the administration of zakat in Malaysia is a state religious matter (through its respective State Islamic Religious Councils).
METHODOLOGY 1. Method of Estimation
- Type and Source of Data
The latter hypothesizes that a high economic growth can create demand for certain financial instruments and agreements. In short, both financial sector development and economic growth are highly interdependent and feedback relationships.
RESULTS AND ANALYSIS 1. Unit Root Test Results
- Selection of Optimal Lag
- Stability Test
- Granger Causality Test Results LnCOL and LnGDPR
- Impulse Response Function between LnCOL and LnGDPR
- Granger Causality Results of LnDIS and LnGDPR Table 4.7
As can be seen in the table, we find evidence of the presence of a long-term relationship between the variables in LnCOL and LnGDPR within the VAR system. Meanwhile, LnDIS and LnGDPR no longer show the presence of a long-run relationship between the variables in the VAR system.
CONCLUSION AND POLICY RECOMMENDATION 1. Conclusion
- Recommendation
El Mosaid and Bautti (2012) conducted a study on the relationship between corporate social responsibility and financial performance of Islamic banks in Malaysia. H2: The characteristics of the company are the control variable in the influence of Islamic disclosure of corporate social responsibility on financial performance.
INTRODUCTION
OBJECTIVES OF THE STUDY
Thus, this study tries to investigate why the leading Islamic bank in the country cannot attract more customers to buy their products. This study is expected to give bankers some ideas on how to attract more customers for future sustainability.
RESEARCH METHODOLOGY
Although a prominent group of companies has a license to operate as a full-fledged Islamic bank, while many other institutions operate as Islamic banking windows, the industry still faces many difficulties in attracting a significant number of customers to sell their Sharia-based products. It will also help the other stakeholders and prospective investors to join the Islamic banking industry in the future.
FINDINGS AND CONCLUSSIONS
The Islamic finance industry in Sri Lanka is relatively in its early stage and has yet to gain a significant market share in the country's banking and finance industry. To achieve the objectives of the study, primary data collected from 224 respondents will be used to compare with other financial institutions.
LIMITATIONS OF THE STUDY
- Historical Back Ground of Islamic Banking in the Modern world
- History of Islamic banking industry in Sri Lanka
- Amana Bank Plc. (Formally Known as Amana Investment Ltd)
Bank of Sri Lanka, having enough flexibility for conventional banks to set up Islamic banking premises and launch Islamic financial products, gained recognition in Sri Lanka. The estimated market value of the IBF 'Islamic Banking and Finance' industry in Sri Lanka is Rs 70 billion to Rs 100 billion.
WHY IS ISLAMIC BANKING SO POPULAR?
- Advantages of Islamic bank versus Commercial banks
However, Islamic banking operations to be conducted in licensed commercial banks as a regulated and legal activity have been approved by the Central Bank of Sri Lanka. In addition to the above, major licensed conventional banks operate their dedicated Islamic banking and finance windows.
FACTORS THAT MAY ATTRACT CUSTOMERS TO CHOOSE ISLAMIC BANKING PRODUCTS
- Completeness of Revealed knowledge (Wahyu)
- Shari‟a Compliance
- Availability of Branches and Automated teller machines
- Perceived Equity and Just
- Social Responsibility and Ethical Value
- Goodwill and Service Quality of the Bank
Since there is no predetermined rate of return associated with the Islamic banking system, it is unknown whether clients of Islamic banks are subject to the normal conventional theory of economic behavior. First, Islamic banking strives for a just, equitable and balanced society as envisioned by Islamic economics (Mirakhor, 2000; Warde, 2000, AsyrafWajdiDusuki and NurdianawatiIrwani Abdullah, 2006).
DEVELOPING CONCEPTUAL FRAME WORK
- Conceptual Framework of the Study Figure 3.1: Conceptual Framework of the Study
- Statement of Hypothesis
The reputation and image factor is proven to be one of the important criteria in the bank selection decision (AhasanulHaque et. al, 2009). The study will investigate the most attractive factors of Sri Lankan Islamic Banking customers and prospecting problems. In order to narrow the scope, Shari'a compliance, rate of return on products and availability of branches factors will be considered and study will be based on the case of Amana Bank Plc.
RESEARCH STRATEGY
RESEARCH DESIGN
DATA COLLECTION METHOD
The researcher had the privilege of obtaining quality information as a student at International Islamic University Malaysia, where others cannot experience it. Furthermore, the researcher made maximum use of other online library facilities of the university with the help of friends and colleagues to download similar research articles and publishers related to Islamic finance and banking.
LIMITATIONS
SUMMARY
RESPONDENT CHARACTERISITIC
AWARENESS ABOUT PRODUCTS
Only 9% of respondents disagreed that they receive constant updates on the latest IB product promotions. After the analysis, we can conclude that more than 80% of the respondents did not know about Islamic banking products.
RATE OF RETURN
Based on the above table, 82% of the respondents were not satisfied with Amana bank branch accessibility. Based on the above table, 91% of the respondents were not satisfied with the ATM availability of Amana bank.
FINDINGS
While conventional banks also operate in major cities and rural ones with roots. These figures suggest that Amana bank is not geographically spread in the country where most of the country's inhabitants live in rural areas. Based on the responses, 91% of the respondents choose Islamic banking products based on its awareness, 82% on the attractiveness of the rate of return and while 57% on the branches and availability of ATMs.
CONCLUSIONS
RECOMMENDATIONS
Hypothesis 1b aims to test the effects of profit sharing financing on the financial health of Islamic banking in Indonesia. Hypothesis 1c aims to test the impact of Islamic income ratio on the financial health of Islamic banking in Indonesia.
THE PHENOMENON OF POVERTY IN INDONESIA
Therefore, the problem arises, and also the formulation of the problem in this study is:. Economic program is a program carried out to remove a certain level of income for the poor in groups with sufficient income so that regardless of the poverty line.
ZAKAH IS AS POVERTY SOLUTION
The impact of that condition that the portion of the budget for development and social welfare is very minimal. Qana'ah and self-control to a foundation that is very important in the life of the Muslim community at that time.
THE PILOT PROJECT OF ZAKAH AS POVERTY REDUCTION
Indeed, the concentration of such funds is seen as giving rise to a lack of attention to the interests of the asnaf directly. However, to overcome this, each pilot project is carefully programmed with the interests of the asnaf in mind.
THE CONCEPT OF INTEGRATED COMMUNITY EMPOWERMENT
- Economic Growth
- Encouraging Availability Access
- Equity (justice on ownership)
- Sustainability Program
Funds raised can be used to improve the well-being of internal and external communities, including: a). As briefly described in the previous section that program sustainability in zakat empowerment is known as the Sustainability of Livelihood Approach (SLA).
CONCLUSION
Land and Building Tax (PBB) in Indonesia is one of the country's income from the tax revenue sector. This study aims to determine the way of state revenue management, especially in Land and Building Tax (TBB) on the state budget in the Perspective of Islamic Economics.
LANDASAN TEORI
The subject of real estate tax is land or a building in the territory of the Republic of Indonesia. In kharaj sulhi, if the ownership of the land is transferred from one disbeliever to another, then the one who has to pay the kharaj must own the land itself.
RESEARCH METHODOLOGY
Namely, determining the size of the tax based on land size, whether there are plants or not on it. Tax rates are subject to change at any time based on the ijtihad of the caliph at the time.
FINDINGS AND DISCUSSION DISCUSSION
It allows for a higher tax than the normal nominal one based on the actual condition of the land. Therefore, the tax reduction indicator PBB concept is already in line with kharaj's.
CONCLUSSION
However, there are substantial differences in the size of the determination base that decides whether a land or building can be taxed. However, in kharaj the imposition is based on the real condition of the lands, fertility, quantity and irrigation system varies.
- LITERATURE REVIEW
- METHODOLOGY
- RESULTS AND DISCUSSION
- CONCLUSION
- USHUL AL-DIN APPROACH
- USUL AL-FIQH APPROACH
The existence of a food basket in the village is closely related to food security. One example from these maxims is "necessary reason permits the forbidden".
Conclusion
Furthermore, the influence of variable DJI to DJI itself is reduced to 32.52% in the 24th month. So the influence of DDJIM to DJII increases to 7.57% in the 24th month.
Suggestion
Finding and Discussion
- Malaysia
Figure 1 describes the trend of Altman Z-Score for non-Sharia compliant stocks in the Indonesian market. During the 2008 global financial crisis, the majority of non-Sharia-compliant stocks are shaken as they face an economic shock.
Conclusion and Recommendation
Perbandingan Bank Konvensional dan Bank Syariah,” La-Riba: Volume III, no. Ketahanan Saham Non-Sharia Compliant di Indonesia. Penelitian ini menganalisis persepsi nasabah bank terhadap pembiayaan/pinjaman haji yang diberikan oleh bank syariah di Indonesia.
Latar Belakang
ANALISIS DAMPAK DANA BANK HAJI BANK SYARIAH MENURUT PERSEPSI JAMA'AH HAJI INDONESIA. STUDI KASUS DI KOTA SURAKARTA). Penelitian ini memiliki tujuan sebagai berikut: (1) Untuk mengetahui dan menganalisis kelebihan dan kekurangan pemberian talangan haji yang ditawarkan oleh bank syariah menurut persepsi nasabah perbankan syariah; (2) Menginvestigasi penilaian nasabah bank syariah tentang sistem pinjaman penjaminan haji.
Landasan Teori 1. Dana Talangan Haji
- Persepsi Konsumen
- Penelitian Terdahulu
Hadi & Widyarini (2013) melakukan penelitian tentang Dana Bantuan Haji (DSN Fatwa dan Amalan di LKS. Riantama (2014) meneliti pengaruh fee based income pada dana bantuan haji terhadap tingkat profitabilitas pada bank syariah.
METODE PENELITIAN
- Jenis Penelitian
- Objek dan Lokasi Penelitian
- Data dan Sumber Data Penelitian Data Primer
- Informan Penelitian
- Metode Pengumpulan Data a. Wawancara / Interview
- Metode Analisis Data
Kedua penelitian tersebut menunjukkan bahwa bauran promosi berpengaruh positif terhadap minat dan keputusan menggunakan produk rescue haji, meskipun dengan obyek yang berbeda. Dana penyelamatan haji memiliki dampak positif (maslahah) berupa kemudahan bagi nasabah untuk mendapatkan bagian keberangkatan haji.
HASIL DAN PEMBAHASAN
- Dampak Positif Dana Talangan Haji
- Dampak Negatif Dana Talangan Haji
Menurut informan 5, produk haji rescue merugikan calon jemaah haji yang ingin membayar langsung tunai tanpa melalui pembiayaan lembaga keuangan. Hal ini menunjukkan bahwa talangan haji belum tentu menjamin kesanggupan menunaikan ibadah haji.
SIMPULAN DAN SARAN
- Simpulan
- Saran
- PENDAHULUAN
- TINJAUAN PUSTAKA 1. Pengartian Bank syariah
- Perbandingan antara Bank Syariah dan Bank Konvensional
- Teori Perilaku Konsumen
- Perilaku Konsumen islam
- Keputusan Nasabah Menabung
- Faktor-faktor yang mempengaruhi keputusan menabung a. Faktor Ekternal (X1)
- METODOLOGI PENELITIAN
- HASIL DAN PEMBAHASAN
- SIMPULAN, SARAN DAN KETERBATASAN PENELITIAN
- PENDAHULUAN
- TINJAUAN PUSTAKA A. Baitul Maal watTamwil (BMT)
- METODOLOGI PENELITIAN A. Objek Penelitian
- ANALISIS DAN PEMBAHASAN EKONOMI A. Karakteristik Responden
- KESIMPULAN DAN SARAN
- TINJAUAN PUSTAKA 2.1. Pengertian akad salam
- Landasan hukum akad salam
- Perbankan Syariah
- Pengertian BPRS
- Telaah Atas Penelitian Terdahulu
- METODE PENELITIAN 3.1. Jenis Penelitian
- Objek dan Subjek Penelitian
- Teknik Pengumpulan Data
- Analisi Data
- HASIL PENELITIAN DAN ANALISIS
- Faktor-Faktor yang Memengaruhi Belum Diaplikasikannya Akad Salam Pada Perabankan Syariah Menurut Para Pakar
- Faktor-Faktor yang Memengaruhi Belum Diaplikasikannya Akad Salam Pada Perbankan Syariah Menurut Para Bankir
- Faktor-Faktor yang Memengaruhi Belum Diaplikasikannya Akad Salam Pada Perbankan Syariah Menurut Para Nasabah
- Faktor-Faktor yang Memengaruhi Belum Diaplikasikannya Akad Salam Pada Perbankan Syariah Ditinjau Secara Keseluruhan
- Implikasi
- Keterbatasan dan saran penelitian lanjutan
FAKTOR-FAKTOR YANG MEMPENGARUHI TIDAK DIGUNAKANNYA KONTRAK SALAAM PADA PERBANKAN SYARIAH (Studi Pada 3 BPRS Yogyakarta) DAN. Faktor-faktor yang mempengaruhi belum dilaksanakannya akad salami di perbankan syariah menurut nasabah (sisi bank).
- Pembiayaan Bank Syariah
- Dana Pihak Ketiga
- Penempatan Dana Sertifikat Bank Indonesia Syariah (SBIS)
- Jenis dan Sumber Data
- Teknik Pengambilan Sample
Pembiayaan yang disalurkan kepada masyarakat mempunyai makna yang penting baik bagi masyarakat maupun bagi bank syariah itu sendiri. Menurut Undang-undang No. 21 Tahun 2008, Bank Syariah adalah bank yang menjalankan kegiatan usahanya berdasarkan prinsip Syariah dan menurut jenisnya terdiri dari Bank Syariah dan Bank Pembiayaan Rakyat Syariah.
