Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb <p>Jurnal Ekonomi Syariah Pelita Bangsa adalah salah satu jurnal yang diterbitkan oleh DPPM Universitas Pelita Bangsa bersama dengan Fakultas Agama Islam Universitas Pelita Bangsa. Jurnal Ekonomi Syariah Pelita Bangsa mengkaji berbagai hal yang berkaitan dengan Ilmu Ekonomi Syariah, terbit enam bulanan (dua kali setahun) yaitu setiap bulan April dan Oktober.</p> en-US jurnaleksyarupb@pelitabangsa.ac.id (Hamdan) jurnaleksyarupb@pelitabangsa.ac.id (Hamdan) Mon, 23 Oct 2023 00:00:00 +0000 OJS 3.1.2.4 http://blogs.law.harvard.edu/tech/rss 60 Fraud Dalam Industri Keuangan Syariah: Eksplorasi Literatur https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1037 <p>This study explores the literature in depth about fraud prevention in sharia-based organizations. The first section explains the impact of fraud on organizations. Then it is explained how fraud can be carried out in various ways. Next, emphasis is placed on the role of auditors in detecting fraud along with various methods that can be applied to detect fraud violations. Apart from that, it also focuses on preventing fraud as a preventive measure by building a control system. This research emphasizes sharia-based organizations, both the sharia financial industry and sharia non-profit institutions. It offers multiple perspectives from an extensive literature study together with theoretical perspectives applied in previous studies. Therefore, the discussion of this research can be used as a starting point for empirical studies.</p> Erfan Muhammad, Fitri Ahmad Kurniawan, Enur Hotimah, Ahmad Hanafi Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1037 Mon, 23 Oct 2023 10:00:05 +0000 Strategi Promosi Melalui Media Sosial Dalam Meningkatkan Produk Pembiayaan Gadai Emas Pada Bank Syariah Indonesia KCP Kisaran https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1030 <p><em>Terdapatnya persaingan antar sejumlah lembaga keuangan syariah Kabupaten Asahan yang telah mengeluarkan produk gadai emas, sehingga PT. Bank Syariah Indonesia KCP Kisaran mempunyai strategi yang digunakan untuk mencapai target dalam promosinya. Misal pemakaian media sosial untuk media komunikasi yang bertambah membuktikan eksistensinya. Manfaat juga tujuan dari penelitian ialah guna memahami kelemahan dan kelebihan dalam melaksanakan promosi lewat media sosial pada perkembangan produk gadai emas yang dilaksanakan PT. Bank Syariah Indonesia KCP Kisaran serta untuk menarik minat nasabah yang ada disekitar kota. Penelitian menggunakan penelitian lapangan memakai pendekatan deskriptif kualitatif, dengan teknik pengumpulan data merupakan wawancara. Penelitian dilakukan di PT. Bank Syariah Indonesia, di Jl. Imam Bonjol No 195, Kel. Kisaran Timur, Kecamatan Kota Kisaran Timur, Kota Kisaran, Sumatera Utara. Pada bulan Januari sampai februari 2023. &nbsp;&nbsp;Kelemahan maupun keunggulan untuk melaksanakan promosi lewat media sosial pada perkembangan produk BSI KCP Kisaran yakni: Memiliki keunggulan yaitu dengan media sosial tentu masyarakat lebih mudah memperoleh informasi terkait produk BSI KCP Kisaran kemudian akan lebih banyak menarik nasabah baru untuk BSI KCP Kisaran dan akan lebih dikenal masyarakat luas. Kelemahan yaitu ketika melakukan promosi produk memiliki keterbatasan informasi dan pengetahuan mengenai media social. Dari hasil wawancara didapat kesimpulan bahwa pelaksanaan strategi promosi yang dilalukan oleh BSI KCP Kisaran terhadap perkembangan produk-produknya teknik yang lebih efesien yang dilakukan yaitu dengan lewat media sosial, berdasarkan pelaksanaan pada perkembangan produk di BSI KCP Kisaran melaui media sosial hingga sekarang ini cukuplah bagus.</em></p> Yulita Astri, Khairina Tambunan Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1030 Mon, 23 Oct 2023 10:03:05 +0000 Peran Pinjaman International Monetary Funding (IMF) Untuk Perekonomian Indonesia Pada Sistem Standar Moneter https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1035 <p>The International Monetary Fund was formed at the time of the United Nations meeting in the United States in 1944 at Bretton Woods (New Hempshire). This organization is in an international association which handles financial problems. The economic crisis hit Indonesia during President Soeharto's leadership, at that time Soeharto officially asked the International Monetary Fund for assistance in resolving the monetary and economic crisis. that from the results the researcher aims to provide further information in order to find maximum results from the previous analysis that has been carried out. The research method in this journal article is to use a qualitative method, by taking article sources through several journal references. Then the researcher inspected it and put the thoughts from the identification into this almost perfect journal. Because researchers want to clarify more about the role of international monetary fund loans in the Indonesian economy, which is based on the international monetary standard system. The research results show that the assistance provided by the International Monetary Fund only adds to the country's disasters, especially for the poor. Because Indonesia continues to carry out cooperative activities with the International Monetary Fund, because the country is still unable to pay off its debts, and it is impressed by the state's actions such as (digging holes and covering holes) in paying and paying off its debts.</p> Muhammad Luis, Yasirwan, Imsar Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1035 Mon, 23 Oct 2023 10:04:02 +0000 Determinan Islamic Intellectual Capital Pada Bank Syariah Di Indonesia https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1025 <p>The purpose of this research is to analyze the effect of Firm Size, Profitability, Leverage and Good Corporate Governance on Islamic Intellectual Capital in Islamic Banks in Indonesia. Analysis of the influence of factors that affect Intellectual Capital using panel data regression method with e-views 9 software and Microsoft Excel program. This study uses data obtained from the company's financial statements &amp; GCG Islamic Banking in Indonesia in the period 2014-2020 And with a samples of 10 islamic banks. The results of the study indicate that the selection of the most appropriate model for the panel data regression method is the fixed effect model with the results of research the variables size, profitability, leverage have a significant effect on Intellectual Capital while the variable Good Corporate Governance (GCG) has no significant effect on Intellectual Capital in Islamic banking companies in Indonesia for the 2014-2020 period.</p> Ina Munawaroh, Sigid Eko Pramono, Luqyan Tamanni Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1025 Mon, 23 Oct 2023 10:04:57 +0000 Analisis Nilai Kewajaran Harga Saham Menggunakan Dividend Discount Model (DDM) Sebagai Alternatif Pengambilan Keputusan Investasi https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/916 <p>Tujuan penelitian ini untuk mengetahui nilai kewajaran harga saham perusahaan sub sector pertambangan minyak dan gas bumi yang listing di Bursa Efek Indonesia (BEI) selama periode 2010-2014 menggunakan perhitungan Dividend Discount Model (DDM). Jenis penelitianini adalah diskriptif. Objek penelitian ini adalah empat perusahaan yakni PT. Elnusa, Tbk., PT. Medco Energi Internasional, Tbk., dan&nbsp; PT. Radiant Utama Interinsco, Tbk. Kesimpulan penelitian ini antara lain (1) Ditinjau dari model pertumbuhan nol, nilai intrinsic saham perusahaan PT. Elnusa dinyatakan Overvalued atau mahal karena nilai intrinsic sahamnya lebih kecil dari pada harga pasarnya. Nilai intrinsic saham PT. Medco Energi Internasional dan PT. Radiant Utama Interinsco dinyatakan Undervalued atau murah karena nilai intrinsic sahamnya lebih besar daripada harga pasarnya. (2) Dari hasil perhitungan menggunakan pertumbuhan konstan, nilai intrinsic saham perusahaan PT. Elnusa, PT. Medco Energi Internasional dan PT. Radiant Utama Interinsco dinyatakan Undervalued atau murah karena nilai intrinsic sahamnya lebih besar daripada harga pasarnya. (3) Hasil perhitungan menggunakan pertumbuhan ganda, nilai intrinsic saham PT. Elnusa, PT. Medco Energi Internasional dan PT. Radiant Utama Interinsco dinyatakan Undervalued atau murah karena nilai intrinsic sahamnya lebih besar daripada harga pasarnya.</p> Dyah Faizatul Umamik; Matnin Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/916 Mon, 23 Oct 2023 10:05:51 +0000 Pengaruh Publikasi Laporan Keuangan Terhadap Abnormal Return Emiten Yang Terdaftar Pada Jakarta Islamic Index (JII) Studi Kasus Pada PT Perusahaan Gas Negara (PGAS) https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1022 <p><em>The purpose of this research is to examine the impact of financial report publishing on the abnormal stock price returns of PGAS issuers. The Event study approach was employed in this investigation. This analysis focuses on the second and third t, or 10 days before and 10 days following the release of the third quarter 2021 financial accounts. The information in this study was derived from historical data on the daily stock price movements of PGAS-coded issuers from May to November 2021. The association between financial report publishes and aberrant stock price returns of PGAS issuers is examined using signal theory in this study. This study is to re-examine the link between the influence of financial report publication on abnormal return, as there are still inconsistencies in the financial report publication variable in affecting abnormal return. The findings revealed that financial report publishing had no influence on the average abnormal return on the share price of PGAS issuers. </em></p> Muhammad Ady Mahfuzh Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/1022 Mon, 23 Oct 2023 10:06:43 +0000 Pengaruh Servant Leadership, Organizational Commitment Terhadap Employee Performance Serta Work Life Balance Sebagai Mediator Pada Universitas Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/814 <p>The purpose of this study was to examine and analyze the influence of servant leadership on employee performance mediated by organizational commitment and moderated by work life balance at Pelita Bangsa University. This research method uses quantitative analysis, however, to strengthen the research results, researchers use descriptive qualitative analysis,. The sample of respondents in the study was 100 using the SMART PLS method. The results of the study concluded that 1) servant leadership has a positive and significant effect on employee performance. 2) Servant leadership has a positive and significant effect on employee performance, 3) Servant leadership has a positive and significant effect on organizational commitment, 4) Servant leadership has an effect on employee performance through work life balance as a mediator. Based on these findings, it is evident that the Servant Leadership leadership style is appropriate because it has an effect on increasing employee performance, similarly organizational commitment is also appropriate for use because it further supports the relationship between servant leadership on employee performance, but work life balance still does not support increased employee performance, this is due bearing in mind that Pelita Bangsa University should continue to improve the work life balance of employee performance so that there is more balance between employee performance and employee personal life.</p> Ida Komala, Dea Nursifa, Siti Khodijah, Ahmad Mardhotillah, Retno Purwani Setyaningrum Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/814 Mon, 23 Oct 2023 10:07:48 +0000 Pengaruh Pembiayaan Mudharabah Dan Musyarakah Terhadap Profitabilitas Bank Umum Syariah Dengan Dana Pihak Ketiga (DPK) Sebagai Variabel Moderasi https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/974 <p><em>This study aims to determine the effect of Mudharabah and Musyarakah Financing on Profitability in Islamic Commercial Banks with Third Party Funds as a moderating variable. This research method is a quantitative research with an associative approach. The sample in this study is Islamic Commercial Banks that have been registered with the Financial Services Authority (OJK) in the 2020 - 2022 quarter period in the form of financial report data. Data collection was carried out using a purposive sampling method, so that a total of 48 samples were obtained from 4 Islamic Commercial Banks which could be processed. The analysis technique used in this study is multiple linear regression analysis and moderated regression analysis (MRA). The data is processed using the software application Eviews version 10. The partial test results show that (1) mudharabah financing has no significant effect on profitability with a probability value of 0.2602 &gt; 0.05, (2) musyarakah financing has no significant effect on profitability with a probability value 0.8123 &gt; 0.05. The simultaneous test results show that (3) mudharabah and musyarakah financing have a significant effect on profitability with a Prob (F-statistic) value of 0.000 &lt;0.05. The MRA test results show that (4) third party funds are not able to moderate the effect of mudharabah financing on profitability with a probability value of 0.4993 &gt; 0.05, (5) third party funds are unable to moderate the effect of musyarakah financing on profitability with a probability value of 0.1429 &gt; 0.05.</em></p> Sapnah, Fitri Sagantha Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/974 Mon, 23 Oct 2023 10:08:39 +0000 Kritik Filsafat Ekonomi Terhadap Ajaran Eksistensialisme Dalam Praktik Bisnis Kontemporer https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/809 <p>Praktik bisnis merupakan sebuah kegiatan yang dilakukan oleh masyarakat yang berhubungan dengan industri. Bisnis dalam aktivitasnya berusaha menggunakan berbagai sumber daya yang terdiri dari manusia, material dan waktu. Dalam pemahaman eksistensialisme, Eksistensi manusia selalu memiliki kebebasan sejauh tindakannya mendatangkan manfaat bagi eksistensi hidupnya. Di dalam Islam kebebasan manusia sangat dihormati. Namun kebebasan tersebut bukanlah tidak ada batasnya. Al-Hurriyah (kebebasan) dan Al-Mas’uliyah (tanggung jawab) termasuk dalam prinsip ekonomi Islam.oleh karena itu penelitian ini dilakukan tidak untuk meligitimasi sistem ekonomi tetapi justru untuk memberi pertimbangan kritis sehingga ekonomi dapat mencapai kesejahteraan dan keadilan bagi seluruh manusia.</p> Maman Suryaman Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/809 Mon, 23 Oct 2023 10:09:41 +0000 Pengaruh Inflasi, Jumlah Uang Beredar, Dan Sertifikat Bank Indonesia Syariah Terhadap Indeks Saham Syariah di Jakarta Islamic Index https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/973 <p><em>This study aims to determine the effect of macro variable inflation, the money supply, dan Islamic Bank Certificates of Indonesia on the Jakarta Islamic Index. The research population consisted of 60 populations using a saturated sample of 60 samples. The methodology used in this study is multiple linear regression analysis using time series data and using SPSS 25 software. Based on the partial test results it was found that Inflation and Islamic Bank Certificates of Indonesia did not have a significant effect, and the money supply had a negative effect on the Jakarta Islamic Index. In simultaneous testing of inflation, the money supply and Islamic bank certificates of Indonesia jointly afeect the Jakarta Islamic Index.</em></p> Anisa Ainun Nalda, Rusdi Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/973 Mon, 23 Oct 2023 10:10:30 +0000 Pengaruh Digital Marketing Terhadap Keputusan Pembelian Properti Dan Brand Image Sebagai Mediasi Serta WOM Sebagai Moderasi Di Perumahan Grand Wisata https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/807 <p>There are many ways to try and better understand the attractiveness of a property. Competition between property entrepreneurs is currently quite tight, so it is interesting to study further by testing and analyzing the influence of digital marketing on property purchasing decisions in grand tourist housing and brand image as mediation and WOM (word of mouth) as moderation. This study investigates 1) will Digital Marketing influence property purchasing decisions positively and significantly? 2) does Brand Image have a positive and significant effect on purchasing decisions, 3) does WOM have a positive and significant effect on purchasing decisions, 4) Can brand image mediate the influence of digital marketing on Purchasing Decisions? 5) Is WOM able to moderate the Effect of Digital Marketing on Property Purchase Decisions? The study for the survey used Stratified Random Sampling, by grouping by age, 100 respondents were selected via the Google form. Data were analyzed using Smart Partial Least Square (PLS) 23. The results of the study concluded that Digital Marketing had a positive and significant influence on property purchasing decisions, Brand Image had a positive and significant effect on purchasing decisions, WOM had a positive and significant effect on purchasing decisions, brand image mediates the influence of digital marketing on purchasing decisions and WOM moderates the influence of digital marketing on property purchasing decisions in grand tourist housing.</p> Sang Ayu Roro Basuki, Dimas Hamiarso Aji Sampurno, Kevin Andrean, Retno Purwani Setyaningrum Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/807 Mon, 23 Oct 2023 15:20:37 +0000 Pengaruh Tingkat Inflasi, Fluktuasi Harga Emas, Dan Jumlah Nasabah Terhadap Penyaluran Pembiayaan Rahn Pada PT. Pegadaian (PERSERO) Periode 2012-2021 https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/972 <p><em>This study aims to analyze PT Pegadaian (PERSERO)'s distribution of rahn financing, which is influenced by inflation rates, fluctuations in gold prices, and the number of customers. This research is quantitative, using secondary data. In collecting data, this study uses two methods, namely the method of documentation and the method of literature. The samples used were 10 samples from PT. Pegadaian's financial statements from 2012 to 2021. In this study, the data analysis technique used is multiple linear regression analysis. Data processing in this study uses e-views software version 10. Partial test results state that (1) the inflation rate has a negative and insignificant effect on the distribution of Rahn financing; (2) fluctuations in the price of gold have a significant effect on the distribution of Rahn financing; and (3) the number of customers has a negative and insignificant effect on the distribution of Rahn financing. Rahn's financing distribution is influenced by the inflation rate, gold price fluctuations, and the number of customers based on simultaneous test results.</em></p> Diah Puspita Sari, Septian Budiman Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/972 Mon, 23 Oct 2023 15:21:22 +0000 Pengaruh Cognitive Bias dan Emotional Bias Terhadap Keputusan Investasi (Studi Pada Investor Muda di Galeri Investasi UNJANI) https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/799 <p>Data pertumbuhan&nbsp; <em>single investor identification</em> periode 2017 – 2022 menunjukan bahwa minat masyarakat untuk berinvestasi mengalami kenaikan dari 6 tahun terakhir. Pertumbuhan jumlah investor di jawa barat sebesar 153% yang didominasi oleh kelompok usia 18-25 tahun. Investor muda cenderung memiliki sifat yang agresif yang berakibat pada risiko yang tinggi sehingga berpengaruh terhadap keputusan investasi. Faktor yang paling dominan dalam pengambilan keputusan investasi adalah bias (<em>cognitive bias dan emotional bias</em>). Sehingga tujuan dari penelitian ini adalah ingin mengetahui apakah faktor bias (<em>cognitive bias dan emotional bias</em>) dapat mempengaruhi keputusan investasi pada investor muda di Galeri Investasi UNJANI. Penelitian ini merupakan penelitian asosiatif dengan pendekatan kuantitatif. Jumlah sampel sebanyak 48 responden. Penelitian ini menggunakan kuesioner yang disebarkan melalui google form. Hasil penelitian ini menunjukan bahawa secara parsial <em>overconfidence bias, cognitivie dissonance bias, illusion of control bias, </em><em>Loss aversion bias</em><em>, regret aversion</em><em> bias</em><em>,</em> dan <em>status quo</em><em> bias</em> tidak berpengaruh terhadap keputusan investasi. Sedangkan secara simultan <em>overconfidence bias, cognitivie dissonance bias, illusion of control bias, </em><em>Loss aversion bias</em><em>, regret aversion</em><em> bias</em>, dan status quo bias berpengaruh terhadap keputusan investasi.</p> Esi Fitriani Komara Esi, Nugraha, Imas Purnamasari Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/799 Mon, 23 Oct 2023 15:22:26 +0000 Implementasi Akad Wakalah di Lembaga Keuangan Syariah https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/967 <p><em><span style="font-size: 9.0pt; font-family: 'Book Antiqua',serif;">Penelitian ini bertujuan untuk mengungkapkan implementasi kontrak wakalah dan manfaatnya di bank-bank Islam secara lebih mendalam. Implementasi kontrak wakalah dalam sistem keuangan Islam menjadi fokus utama dalam penelitian ini dengan meneliti bagaimana bank-bank Islam menerapkan kontrak wakalah dalam berbagai transaksi. Untuk mencapai tujuan tersebut, penelitian ini menggunakan metode deskriptif dengan mengumpulkan data dari literatur terkait yang membahas tema wakalah di bank-bank Islam. Hasil dari penelitian ini menunjukkan bahwa kontrak wakalah telah menjadi elemen penting dalam berbagai aktivitas perbankan Islam. Kontrak wakalah digunakan untuk memfasilitasi transaksi dan layanan seperti tabungan, investasi, pembiayaan, dan sebagainya, yang memungkinkan bank-bank Islam untuk memenuhi kebutuhan keuangan dari nasabah mereka sesuai dengan prinsip-prinsip syariah. Lebih lanjut, penelitian ini menyimpulkan bahwa kontrak wakalah memiliki potensi untuk menggantikan kontrak-kontrak dalam sistem perbankan konvensional. Kontrak wakalah tidak berdiri sendiri tetapi selalu dikombinasikan (hybrid) dengan kontrak-kontrak lainnya untuk menciptakan pola transaksi yang lebih kompleks. Kesimpulannya, penelitian ini menegaskan bahwa kontrak wakalah memiliki peran yang signifikan dalam sistem perbankan Islam dan telah membuktikan keberhasilannya dalam berbagai transaksi. </span></em></p> Hilmiatus Sahla, Hilyati Inayah, Sri Sudiarti, Marliyah Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/967 Mon, 23 Oct 2023 15:23:14 +0000 Manajemen Perubahan Organisasi Sebagai Upaya Mewujudkan Bisnis Berkelanjutan https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/806 <p><em>VUCA world has inspired companies to be aware of the importance of the sustainability both for the companies and the surrounding environment. The success of the companies depend on their dynamic and innovative adaptation toward changes. For that reason, the company management needs to have certain approaches in planning the changes because they don't happen abruptly. The objective of this research is to analyze the changes in the organizations / companies in their attempt to achieve sustainable business. The research applied qualitative method by collecting data through depth interviews with five company managers who have worked for at least five years. The analysis if the data was conducted through triangulation forms of documentation, interviews and direct observation in the field through case studies. The result of the research shows that companies need to conduct changes in their organization because those changes will support innovation. However, evaluation prior to those changes is necessary because the changes contribute significantly in the realization of sustainability in business as revealed in the interviews.</em></p> Adi Winata Kusuma Praja, Retno Purwani Setyaningrum Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/806 Mon, 23 Oct 2023 15:23:56 +0000 Implementasi Hiwalah Pada Koperasi Pegawai Negeri Al-Ikhlas Batusangkar https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/886 <p>Artikel ini mengkaji tentang implementasi <em>hiwalah </em>kontemporer pada pada KPN Al-Ikhlas Batusangkar. Permasalahannya adalah implementasi <em>hiwalah </em>kontemporer pada koperasi syariah dalam mencari keuntungan ekonomi. Jenis penelitian yang digunakan adalah penelitian lapangan dengan pendekatan kualitatif. Data dikumpulkan melalui wawancara. Analisis data menggunakan analisis Miles And Huberman yang meliputi, pengumpulan data, reduksi data, penyajian data dan penarikan kesimpulan data. Hasil penelitian menunjukan bahwa bentuk-bentuk pengalihan hutang pada KPN Al-Ikhlas Batusangkar meliputi, <em>hiwalah</em> dalam <em>murabahah al inah</em>, dan <em>hiwalah</em> dalam <em>murabahah</em>, serta diikuti <em>ijarah muntahiyah bit tamblik</em> (IMBT). Faktor-faktor penyebab pengalihan hutang pada KPN Al-Ikhlas Batusangkar meliputi: ingin lepas dari riba, memperoleh keuntungan ekonomi dalam bentuk pembagian Sisa Hasil Usaha (SHU), dan memperoleh keuntungan ekonomi dengan tidak memberikan jaminan fisik pada KPN Al-Ikhlas Batusangkar. Setelah dibahas, terjadi modivikasi bentuk <em>hiwalah</em> dengan menggunakan multi akad, dan dibolehkan mencari keuntungan ekonomi dalam melakukan <em>hiwalah</em> atau pengalihan hutang<em>.</em></p> Wahyu Nurhidayat, Megi Saputra, Zainuddin Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/886 Mon, 23 Oct 2023 15:24:58 +0000 Pengaruh Self-Actualization Dan Gaya Hidup Hangout Terhadap Keputusan Pembelian di Kedai Kopi Janji Jiwa Pada Generasi Milenial Bekasi https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/803 <p><em>The purpose of this research was to determine the effect of self-actualization and hangout lifestyle on purchasing decisions at Janji Jiwa Coffee Shop for the Bekasi millennial generation. The study employs a quantitative approach and an associative method. The research sample is obtained using non-probability sampling, involving 100 respondents who are consumers of Kedai Kopi Janji Jiwa and have made at least one purchase. Data collection is conducted through questionnaires, while data analysis utilizes validity tests, reliability tests, and hypothesis testing with the assistance of SmartPLS 4.0. The findings of this research indicate that self-actualization (X<sup>1</sup>) significantly influences purchase decisions. Additionally, the hangout lifestyle (X<sup>2</sup>) also has a significant impact on purchase decisions. Both self-actualization and hangout lifestyle significantly influence purchase decisions at Kedai Kopi Janji Jiwa among the millennial generation in Bekasi</em></p> Linda Puspita Sari, Hana Mufida Rahmi, Selvy Trisya Hardianti, Retno Purwani Setyaningrum Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/803 Mon, 23 Oct 2023 15:25:58 +0000 Analisis Momentum Idul Adha 2023 Terhadap Inflasi Dalam Perspektif Islam https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/960 <p><em>The momentum of Eid al-Adha 2023 is a big momentum that has the potential to cause inflation naturally as a result of the large economic transactions that occur in the market and currency circulation which is quite significant on certain days. This also happened due to the large demand for an item at that moment. The Eid al-Adha 2023 holiday, which is expected to last for 3 days, has great potential to trigger factors that cause inflation. The purpose of this study is to analyze the moment of Eid al-Adha 2023 for inflation and find a solution based on an Islamic perspective. The analysis technique in this study used a qualitative descriptive analysis approach with a literature study method. The findings of this study are to maintain Indonesia's economic stability during the momentum of Eid al-Adha 2023, it is necessary to hold an al hisbah institution in order to oversee the running of the economy in the market (market operations) to avoid inflation that occurs naturally. In addition, inflation must be suppressed in the long term by improving morale, equitable distribution of income and wealth, and eliminating usury</em></p> Muhammad Rasyid Ridlo, Muh. Ahsan Kamil Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/960 Mon, 23 Oct 2023 15:26:45 +0000 Implementasi Pembiayaan Murabahah di Unit Simpan Pinjam Pembiayaan Syariah Koperasi Mahasiswa Universitas Sebelas Maret https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/820 <table> <tbody> <tr> <td> <p><span style="font-weight: 400;">ABSTRACT</span></p> <p><em><span style="font-weight: 400;">Murabaha financing is one of the financing that is quite widely used in sharia transactions at USPPS KOPMA UNS. The purpose of this research is to find out the implementation of the murabahah contract at USPPS KOPMA UNS, the suitability of the application of the murabahah contract at USPPS KOPMA UNS, the importance of using the murabahah contract at USPPS KOPMA UNS, opportunities in developing murabahah products at USPPS KOPMA UNS, and challenges in developing murabahah products at USPPS KOPMA UNS. This research includes descriptive qualitative research with the type of field research and literature. The data sources used in this research are primary data obtained from the Sharia Savings and Loan and Financing Unit (USPPS) of the UNS Student Cooperative and secondary data obtained from literature studies. For data collection, researchers used observation, interview, and documentation techniques. The results of this study indicate that USPPS KOPMA UNS has implemented most of the provisions of the DSN MUI Fatwa No. 111/DSN-MUI/IV/2000. There are challenges in financing murabahah products at USPPS KOPMA UNS, namely the risk of delinquent installments by customers which occurs when customers do not make payments according to the deadline set by USPPS KOPMA UNS.</span></em></p> </td> </tr> <tr> <td> <p><span style="font-weight: 400;">ABSTRAK</span></p> <p><em><span style="font-weight: 400;">Pembiayaan murabahah merupakan salah satu pembiayaan yang cukup banyak digunakan dalam transaksi syariah di USPPS KOPMA UNS. Tujuan dari penelitian ini adalah untuk mengetahui pelaksanaan akad murabahah di USPPS KOPMA UNS, kesesuaian dari penerapan akad murabahah di USPPS KOPMA UNS, pentingnya penggunaan akad murabahah di USPPS KOPMA UNS, peluang dalam pengembangan produk murabahah di USPPS KOPMA UNS, serta tantangan dalam pengembangan produk murabahah di USPPS KOPMA UNS. Penelitian ini termasuk penelitian kualitatif deskriptif dengan jenis penelitian lapangan dan kepustakaan. Sumber data yang digunakan dalam penelitian ini adalah data primer diperoleh dari Unit Simpan Pinjam Pembiayaan Syariah (USPPS) Koperasi Mahasiswa UNS dan data sekunder yang diperoleh dari studi Pustaka. Untuk pengambilan data, peneliti menggunakan teknik observasi, wawancara, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa USPPS KOPMA UNS sudah menerapkan sebagian besar ketentuan dari Fatwa DSN MUI No. 111/DSN-MUI/IV/2000. Terdapat tantangan dalam pembiayaan produk murabahah di USPPS KOPMA UNS yaitu risiko penunggakan angsuran oleh nasabah yang terjadi ketika nasabah tidak melakukan pembayaran sesuai dengan tenggat waktu yang ditetapkan oleh USPPS KOPMA UNS.</span></em></p> </td> </tr> </tbody> </table> Ayuni Zahra Cahyaningtyas, Maurice Aufa, Muhammad Fauzan Adhima, Nurhasanah, Tantri Wulandari, Falikhatun Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/820 Mon, 23 Oct 2023 15:27:55 +0000 Green Human Resources Management in Industrial Companies on Sustainable Business: Conceptual Approach https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/804 <p><em>Indonesia has the third lowest per capita CO2 emission in the world, which is 2.1 tons. Even so, the problem of increasing carbon emissions remains an important issue in Indonesia, mainly due to the presence of factories. Companies in Indonesia have made efforts to overcome this problem, one of which is through the implementation of Green Human Resource management (GHRM) or environmentally friendly based human resource management. The purpose of this scientific article is to explain the relationship between green resource management variables using theoretical and empirical approaches, as well as interviews with several respondents, in the context of business sustainability. The approach used in this study is a qualitative method. The results of this study reveal that the variables that affect Green Human Resource management, such as environmentally friendly-based recruitment, environmentally friendly-based training and development, environmentally friendly-based performance management and assessment, as well as environmentally friendly-based compensation and rewards, have an effect on business sustainability.</em></p> Ayu Ambarwati, Dyah Wahyuni, Andini Jatsiya Dewi, Wira Kuswara, Retno Purwani Setyaningrum Copyright (c) 2023 Jurnal Ekonomi Syariah Pelita Bangsa https://journal.lppmpelitabangsa.id/index.php/jespb/article/view/804 Mon, 23 Oct 2023 15:28:38 +0000