Efektivitas Pendayagunaan Dana Zakat Terhadap Pengembangan Program Pemberdayaan Ekonomi Masyarakat Pada Zona Madina Dompet Dhuafa

This research is to analyze the effectiveness of the utilization of zakat funds to the development of community economic empowerment program at Zona Madina Dompet Dhuafa. This research uses quantitative approach with explanatory and explorative research type. Data collection through field observation, interviews, and documentation studies. The data analysis used the calculation of effectiveness ratio and Wilcoxon Signed Rank Test to analyze the effect of the program on the condition of beneficiary community between before and after program. The results of this study show the utilization of zakat funds to the community economic empowerment program at Zona Madina Dompet Dhuafa from 2015 to 2017 amounted to 99.92%. So that the utilization of zakat funds to the community economic empowerment program in Zona Madina Dompet Dhuafa has been very effective, because the effectiveness ratio shows lebiih besar dari 90%. Then based on statistical test nonparametrik Wilcoxon showed that the community economic empowerment program positively affect the changing economic conditions of the beneficiary community program

Faktor-Faktor Yang Mempengaruhi Return Bagi Hasil Deposito Mudharabah (Studi Empiris Pada Bank Umum Syariah Di Indonesia Tahun 2012-2016)

This research aims to test the influence of Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), and operating income against operating expenses return for the results on the Mudharabah deposit a public Bank Syariah 2012-2016 period. The object of this research is full-fledged Islamic Bank in Indonesia. Sampling is done by purposive sampling technique so that the retrieved 9 samples of full- fledged Islamic Banks during period 2012-2016. Methods of analysis used in this study was multiple linear regression using panel data that help by using Eviews9. The results of this study indicate that simultaneously independent variable has no effect significantly to the rare of profit sharing deposito mudharaba in islamic bank. While partially, FDR and the NPF has no effect significantly to the rare of profit sharing deposito mudharaba in islamic bank, and BOPO has positive significantly effect to the rare of profit sharing deposito mudharaba in islamic bank

KONSEP MARKETING MIX SYARIAH

ABSTRAK. Pokok permasalahan yang akan dibahas dalam penulisan ini adalah konsep marketing mix yang sesuai dengan syariah. Penilaian konsep marketing mix yang sesuai syariah ini menilai variabel Product (Produk), Price (Harga), Place (Penempatan), dan Promotion (Promosi) dengan aturan-aturan muamalah dalam islam. Tujuan dari penelitian ini adalah untuk mengetahui dan menjelaskan konsep marketing mix syariah, serta sebagai kontribusi keilmuan berkaitan dengan marketing mix syariah. Teori yang digunakan dalam penelitian ini yaitu teori marketing, marketing mix, serta teori tentang muamalah yangsesuai dengan syariah. Penelitian ini memfokuskan pada penilaian marketing mix dengan aturan-aturan muamalah dalam islam. Metode yang digunakan dalam penelitian ini adalah kajian pustaka baik bersumber data buku ataupun jurnal, sedangkan untuk aspek penilaiannya yaitu ditinjau dari Al -Qur’an, Hadits, Ijtihad para ulama, dan karya ilmiah yang berkaitan dengan penelitian. Penelitian ini menghasilkan konsep marketing mix yang sesuai dengan syariah meliputi variabel Product (Produk), Price (Harga), Place (Penempatan), dan Promotion (Promosi) yang telah disesuaikan dengan aturan-aturan dalam muamalah islam, penelitian ini juga sebagai saran bagi para pelaku bisnis yang ingin menjalankan bisnisnya sesuai syariat Islam. Sehingga konsep marketing mix syariah ini memiliki perbedaan dengan marketing mix pada umumnya karena telah disesuaikan dengan aturan muamalah dalam islam.Kata kunci: marketing, marketing mix, marketing mix syariahABSTRACT. The main issues will be discussed in writing this is how theconcept of marketing mix according to sharia. Assessment the concept ofmarketing mix appropriate sharia this assess variable product, price, place, and promotion into rules muamalah in Islam. The purpose of this study is to find and explain the sharia marketing mix, and as a contribution scientific per taining to sharia marketing mix. A theory that used in this research that is the theory marketing, marketing mix, and a theory about muamalah in accordance with sharia. Methods used in this research is a literature study good sourced data book or journal , while on the aspect of this assessment that is in terms of the Al-Qur’an, Hadith, ijtihad ulama, and the work of scientific relating to the study.This research come up with concepts marketing mix according to shariacovering variable product, price, place, and promotion that has been adjusted for rules in Islamic him, the research also as a suggestion for actors businesses that would like to run business in accordance Islamic sharia. So that the concept of sharia marketing mix it has different to marketing mix in general because has been adjusted for rules him in Islam.Keywords: marketing, marketing mix, sharia marketing mi

ANALISIS KINERJA PERBANKAN SYARIAH DI INDONESIA DAN MALAYSIA DENGAN PENDEKATAN MAQASHID INDEKS

The measurement of Islamic banking usually uses a conventional measurement. But to evaluate performance of Islamic banking can not be equated to conventional banks, because they have different purpose and views. Therefore aims to understand the performance of Islamic banks based on the maqashid index approach. Objects research consisting of four Islamic banks in Indonesia (Bank Syariah Mandiri, Bank Muamalat indonesia, Bank Rakyat Indonesia Syariah and Bank Negara Indonesia Syariah) and four Islamicbanks in Malaysia (Bank Islam Malaysia Berhad, CIMB Islamic Bank, Maybank Islamic Berhad and RHB Islamic Bank) for years 2011-2014. Then, Islamic banks measured and rank its performance based on three steps: 1) the ratio performance 2) performance indicators and 3) the overall maqashid index. The research showed, that Bank Muamalat Indonesia has the highest performance is 15.12%. Next, the lowest performance is 7.02% by CIMB Islamic Bank.Penilaian kinerja perbankan syariah biasanya menggunakan alat ukur konvensional. Padahal untuk menilai kinerja perbankan syariah tidak dapat disamakan dengan perbankan konvensional, karena keduanya memiliki tujuan dan pandangan yang berbeda. Penelitian ini bertujuan untuk mengetahui kinerja perbankan syariah dengan pendekatan maqashid indeks. Objek penelitian terdiri dari empat bank syariah di Indonesia (Bank Syariah Mandiri, Bank Muamalat Indonesia, Bank Rakyat Indonesia Syariah dan Bank Negara Indonesia Syariah) dan empat bank syariah Malaysia (Bank Islam Malaysia Berhad, CIMB Islamic Bank, Maybank Islamic Berhad dan RHB Islamic Bank) selama tahun 2011-2014. Kemudian, bank syariah diukur dan diranking kinerjanya berdasarkan tiga langkah: 1) rasio kinerja 2) indikator kinerja dan 3) maqashid indeks secara keseluruhan. Berdasarkan hasil penelitian, dapat disimpulkan bahwa Bank Muamalat Indonesia memiliki kinerja tertinggi di dengan nilai 15.12%. Selanjutnya, kinerja terendah terjadi di CIMB Islamic Bank dengan 7.02%

FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS PADA BANK MUAMALAT INDONESIA

ABSTRAK: Penelitian ini bertujuan untuk menguji dan menganalisis rasio keuangan terhadap profitabilitas Bank Muamalat Indonesia. Penelitian ini menggunakan metode vector error correction model dengan mengunakan data times series triwulan periode tahun Desember 2000 – September 2014. Variabel yang digunakan dalam penelitian ini adalah ROA, CAR, BOPO, NPF dan FDR. Hasil penelitian menunjukkan pada hasil VECM jangka pendek CAR dan NPF tidak berpengaruh signifikan terhadap profitabilitas BMI, sedangkan BOPO dan FDR berpengaruh negatif dan signifikan terhadap profitabilitas BMI. Artinya jika keduanya naik sebesar 1% maka profitabilitas BMI akan menurun sebesar 2.4% dan 2.2%. Hasil VECM jangka panjang menunjukkan bahwa CAR tidak berpengaruh signifikan terhadap profitabilitas bank. BOPO berpengaruh negatif dan signifikan terhadap profitabilitas bank, jika terjadi kenaikan BOPO sebesar satu persen maka profitabilitas BMI akan menurun sebesar 2.7%. NPF berpengaruh negative dan signifikan terhadap profitabilitas BMI, jika terjadi kenaikan NPF sebesar satu persen maka profitabilitas BMI akan menurun sebesar 4.1%. FDR berpengaruh negative dan signifikan terhadap profitabilitas BMI, jika terjadi kenaikan FDR sebesar satu persen, maka profitabilitas BMI akan menurun sebesar 5.4% setiap triwulannya.Kata Kunci : ROA, CAR, BOPO, NPF, FDR, VECM dan ProfitabilitasABSTRACT: This study aims to examine and analyze financial ratios on profitability of Bank Muamalat Indonesia. Vector error correction model used in this study, by using the times series data is quarterly period of December 2000 - September 2014. The variables used in this study are ROA, CAR, ROA, NPF and FDR. The results showed the results of short-term are CAR and NPF insignificant effect on the profitability of BMI, while ROA and FDR significant negative effect on profitability BMI. If there is an increase in ROA and NPF amounting to one percent of the profitability BMI will decrease by 2.4% and 2.2%. However the long-term results showed that the CAR is insignificant effect on the profitability of banks. BOPO a significant negative effect on the profitability of banks, if there is an increase of one percent BOPO profitability BMI will decrease by 2.7%. NPF and significant negative effect on the profitability of BMI, if there is an increase of one percent NPF profitability BMI will decrease by 4.1%. FDR and significant negative effect on the profitability of BMI, if there is an increase of one per cent FDR, then the BMI profitability will decline by 5.4% on a quarterly basis.Keywords: ROA, CAR, BOPO, NPF, FDR, VECM dan Profitabilit