Izdihar: Jurnal Ekonomi Syariah

ANALISIS PENGELOLAAN RISIKO IMBAL HASIL PADA PRODUK DENGAN AKAD TIJARY JENIS NATURAL UNCERTAINTY CONTRACT (NUC) DI PT. BANK SYARIAH INDONESIA, TBK. KCP BANGKALAN TRUNOJOYO

2024-07-09T05:49:04+00:00

Penelitian ini bertujuan untuk mengetahui pengelolaan dan mitigasi risiko imbal hasil
pada produk dengan akad Tijary di BSI KCP Bangkalan Trunojoyo. Metode penelitian
ini kualitatif deskriptif dengan teknik Purposive Sampling. Pengumpulan data
bersumber dari hasil wawancara, dokumen, serta dokumentasi berkenaan dengan
analisis pengelolaan risiko imbal hasil. Didapatkan hasil penelitian bahwa pengelolaan
risiko imbal hasil pada produk dengan akad Tijary jenis Natural Uncertainty Contract
(NUC) di BSI KCP Bangkalan Trunojoyo dalam pengelolaan risikonya melalui tiga
tahapan yaitu identifikasi, penilaian, dan pencarian solusi yang menjadi landasan
pengambilan keputusan yang efektif dalam mengelola risiko imbal hasil. Proses
mitigasi BSI KCP Bangkalan Trunojoyo melalui dua proses. Pertama yaitu fase
pencegahan yang mencakup pemantauan terhadap risiko imbal hasil dan penerapan
kebijakan yang aman, fase kedua adalah fase pengendalian dan penyelesaian yang
melibatkan evaluasi internal dan komunikasi terbuka dengan nasabah sebagai strategi
meminimalkan dampak potensial risiko imbal hasil.

MEMINIMALISIR ASIMETRI INFORMASI MELALUI LAPORAN KEUANGAN (STUDI LITERATUR)

2024-08-15T19:50:51+00:00

ABSTRACT

This study aims to find out how to minimize information asymmetry financial repots. Information asymmetry can cause imbalance in economic decision making and reduce marke efficiency. The design of this research study with the analytical method used in the form of content analysis. This study analyses various aspects of financial repots that contribute to reducing information uncertainty, such as auditor independence, audit quality and information transparency. The results of this study show that transparent, accurate and consistent financial reports play an important role in increasing stakeholder trust and reducing risks related to information asymmetry. Based on the result of this study, it confirm the importance of good accounting policies and practices in creating a more transparent and fair business environment.

PENGARUH HARGA, KUALITAS LAYANAN DAN PRODUK TERHADAP KEPUTUSAN PEMBELIAN KPR

2024-08-15T09:59:46+00:00

Permintaan rumah setiap tahun meningkat sangat pesat yang sebagian besar disebabkan oleh peningkatan jumlah penduduk. Terdapat beberapa faktor yang mempengaruhi keputusan pembelian KPR yaitu harga, kualitas layanan dan produk. Populasi dalam penelitian ini yaitu nasabah BTN Syariah KCPS Jombang yang membeli KPR antara tahun 2021-2022. Penentuan sampel memakai purposive sampling yang memperoleh 76 responden. Kuesioner digunakan sebagai pengumpulan data kemudian memakai analisis regresi linier berganda dengan bantuan SPSS versi 22. Temuan penelitian menunjukkan hasil bahwa harga dan kualitas layanan secara parsial mempengaruhi keputusan pembelian. Namun, produk tidak berpengaruh terhadap keputusan pembelian. Secara simultan keputusan pembelian KPR dipengaruhi oleh harga, kualitas layanan dan produk. Penelitian ini memiliki implikasi strategis bagi BTN Syariah KCPS Jombang dalam meningkatkan kualitas layanan dan produk serta harga yang terjangkau untuk meningkatkan keputusan pembelian KPR. Hal ini dapat membantu BTN Syariah KCPS Jombang meningkatkan pangsa pasar dan meningkatkan kepuasan nasabah.

TEORI SIKLUS EKONOMI IBNU KHALDUN : ANALISIS DALAM KONTEKS KRISIS EKONOMI

2024-07-25T04:42:19+00:00

In the economic field, Ibnu Khaldun's ability to explain economic concepts was very sharp. Economic problems were discussed by Ibnu Khaldun in his book which discussed economic motives arising because human desires are unlimited, so the goods that will satisfy their needs are very limited. Therefore, to solve economic problems it must be seen from two angles; power angle and from the point of use. The purpose of writing this article is to understand Ibn Khaldun's economic cycle and analyze the modern economic crisis. The research method used is literature study, which is a method of searching and researching literature by reading various books, journals and other publications related to the research topic, to produce an article regarding a particular topic or issue. The results of the research found that Ibn Khaldun had provided the concepts and practices of Islamic economics and had made contributions and treasures of Islamic knowledge to economics in general and Islamic economics in particular.

PERLINDUNGAN HAK KONSUMEN DALAM PEMIKIRAN IBN TAYMIYYAH : ANALISIS ERA E- COMMERCE

2024-07-23T13:14:07+00:00

This research examines consumer rights protection in Ibn Taymiyyah's view and its application in the e-commerce era. Consumer protection is an important aspect in maintaining fairness and honesty in business transactions. Ibn Taymiyyah, a great Islamic scholar, underscored the importance of justice ('adl), prohibition of fraud (gharar), and control of monopoly (ihtikar) to protect consumers. The aim of this research is to analyze the relevance and application of these principles in modern digital commerce. The research results show that Ibn Taymiyyah's principles can strengthen the consumer protection framework in the e-commerce era, increase trust and integrity of online markets, and support the development of policies that integrate Islamic business ethics with contemporary regulations.

STRATEGI PENINGKATAN SUSTAINABLE DEVELOPMENT GOALS DESA MELALUI MANAJEMEN KEUANGAN BERDASARKAN MAQASHID SYARI’AH ( STUDI LITERATUR)

2024-08-15T19:52:12+00:00

This research aims to explore strategies to improve Sustanable Development Goals (SDGs) at the village level through the implementation of financial management based on Maqashid Shari'ah principles. SDGs is a new development agreement, which encourages changes to shift towards sustainable development to encourage social, economic and environmental development. In the Village SDGs with the existence of financial management in the village is one of the most important things in financial operations in order to make sustainable development. The results show that the implementation of financial management aligned with Maqashid Shari'ah not only improves the economic welfare of village communities, but also strengthens moral and social values, which overall supports the achievement of SDGs. Thus, the integration between Maqashid Shari'ah-based financial management and Village SDGs offers a comprehensive and sustainable approach to prosperous and equitable village development.

IMPLEMENTASI PROGRAM ENTREPRENEURSHIP DALAM MEWUJUDKAN SEKOLAH MANDIRI FINANSIAL DAN KARIR SISWA SMK DARUL ULUM KEPUHDOKO DI JOMBANG

2024-08-15T19:53:09+00:00

ABSTRACT

Entrepreneurship is the attitude, spirit, and ability to create something new and beneficial for oneself and others. Entrepreneurship programs aim to shape students' character into entrepreneurs with innovative and creative ideas. Vocational High Schools (SMK) support this program to prepare students to become skilled workers in their chosen fields. However, the high number of unemployed SMK graduates is due to the lack of suitable job opportunities. Becoming entrepreneurs can be a solution to reduce unemployment by creating new job opportunities.

This research aims to understand the implementation of entrepreneurship programs in improving the financial independence and careers of SMK students at SMK Darul Ulum Kepuhdoko Jombang. This study uses a descriptive qualitative method with data collection techniques through interviews, observations, and document studies. The results show that the entrepreneurship program at SMK Darul Ulum Kepuhdoko Jombang is beneficial for students' careers after graduation, covering the fields of Light Vehicle Engineering, Multimedia, and Industrial Chemistry. The implementation of this program enhances the school's finances and equips graduates with entrepreneurial skills, enabling them to create job opportunities.

Keywords: Entrepreneurship, Vocational High School