PERAN LEMBAGA KEUANGAN SYARIAH DALAM MENGAHADAPI PANDEMI COVID 19

The Covid-19 pandemic has made funding and lending problems even bigger. There is no lending, the withdrawal is also bigger. Thus, BMT's need for funding will be greater, because the need for funds to be withdrawn is also greater. Of course, the liquidity problem of financial institutions including BMT becomes a more serious challenge in the case of Covid-19. In fact, there are several BMTs that can provide financing. Hopefully, this will come. The revolving fund management agency in collaboration with small, medium and micro-medium enterprises (LPDB-KUMKM) has a financing role and comes from banks. The government's role is needed to provide BMT funds, so this BMT will not stop lending. As the growth of Islamic cooperative countries slows down, the global Islamic finance industry is under threat. According to data from SEISRIC, the total number of cases in the Organization of Islamic Cooperation (OIC) countries has reached 180,000.This study used qualitative research methods. This is due to the flexibility in getting information from the latest news stories from trusted sources, regarding how the impact/impact caused by Covid-19 (corona virus), the author also took several news samples from the internet and then combined them into a result. The results are sourced from several news and sources obtained by the author. The author uses an observation technique in the form of observing data related to this Covid-19 (Corona) virus. The results obtained indicate that with the Covid-19 virus pandemic, BMT Amanah Indonesia's financial statements have had an impact on financing achievement, revenue achievement, and operating profit achievement.Keywords: Islamic Financial Institution

Optimization Of Bil Wakalah Murabahah Contracts Towards The Responsibility Of Sharia Banking Kur Finance

One of the banks that collects funds from the public and distributes it back to customers in the form of financing is Islamic Banks, one of the financing products channeled is People's Business Credit (KUR) financing. In implementing KUR financing, Islamic banks use a murabahah bil wakalah contract. Optimization of murabahah bil wakalah contracts will be discussed for the responsibility of Islamic banking credit financing using data analysis methods. People's Business Credit (KUR) which aims to support Indonesian Micro and Small Enterprises (UMK) licensing. Bank Indonesia's KUR, stated that in the implementation of credit there were several obstacles in the business of a community concept, this KUR was fully guaranteed by the government. The contract in KUR is a Murobahah contract, namely buying and selling where the investor provides the goods the customer wants, then the financier provides the goods the customer wants at a purchase price plus a certain profit price. order, Murabaha determines a certain rate of return can buy or not Murabaha is a contract to buy and profit is agreed between the seller and the buyer. The most important thing that distinguishes traditional banks from Islamic banks is the determination of the selling price and purchase price. Conventional banks always base their pricing on interest rates, while Islamic banks are based on Islamic concepts. The Islamic concept is cooperation in a profit-sharing system in times of wins and losses. Everything related to sharia banks and sharia business entities. This is the form of a Murabahah contract where Murabahah can be made on behalf of the Bank for the goods later. Orders received from subscribing customers. According to the type of product in Islamic banking, namely financing of products offered by Islamic banking, including mandatory savings, savings and investments. Akad used for Mudharabah financing. Financing, namely financing for products offered by Islamic Banking for commercial purposes. The contracts for financing products are Murabahah, Musyarokah and IMBT. Services, namely products offered by Islamic banks to meet business and personal needs, such as product services, operational services and investment services. including mandatory savings, savings and investments. Akad used for Mudharabah financing. Financing, namely financing for products offered by Islamic Banking for commercial purposes. The contracts for financing products are Murabahah, Musyarokah and IMBT. Services, namely products offered by Islamic banks to meet business and personal needs, such as product services, operational services and investment services. including mandatory savings, savings and investments. Akad used for Mudharabah financing. Financing, namely financing for products offered by Islamic Banking for commercial purposes. The contracts for financing products are Murabahah, Musyarokah and IMBT. Services, namely products offered by Islamic banks to meet business and personal needs, such as product services, operational services and investment services.

PENJUALAN BARANG GADAI PADA BANK SYARIAH INDONESIA CABANG PRINGSEWU PERSPEKTIF HUKUM EKONOMI SYARIAH

AbstrakPraktek Gadai syariah (rahn) sekarang tidak hanya di Pegadaian Syariah saja, tetapi telah merambah juga ke Lembaga-Lembaga Keuangan Syariah seperti Bank Syariah. Bank Syariah dalam uapaya meningkatkan pelayanannya kepada nasabah telah mengeluarkan produk layanan gadai, khususnya Bank Syariah Indonesia Cabang Pringsewu. Akad yang digunakan oleh Bank Syariah Indonesia Cabang Pringsewu dalam produk ini adalah akad Qardh dalam rangka Rahn dengan syarat-syarat yang cukup mudah yaitu KTP dan jaminan berupa emas. Karena jaminan yang diagunkan berupa emas, pihak Bank sesuai dengan akad perjanjian dengan nasabah akan melakukan penjualan barang gadai (jaminan) apabila nasabah tidak dapat melunasi hutangnya pada saat jatuh tempo. Praktek penjualan barang gadai telah diatur dalam Kompilasi Hukum Ekonomi Syariah dan juga Fatwa Dewan Syariah Nasional. Penelitian ini bertujuan untuk memaparkan perspektif Hukum Ekonomi Syariah terhadap pelaksanaan penjualan barang gadai di Bank Syariah Indonesia Cabang Pringsewu. Penelitian ini merupakan upaya untuk memperkaya khazanah keilmuan terkait masalah konsep penjualan barang gadai, dan dapat berguna sebagai informasi bagi pegadaian syariah maupun Lembaga Keungan Syariah dan masyarakat atau pihak-pihak yang ingin mengetahui prosedur penjualan barang gadai. Penelitian ini adalah penelitian lapangan yang menghimpun data kualitatif dengan teknik pengumpulan data wawancara dan dokumentasi, kemudian dianalisis secara kualitatif melalui pendekatan induktif. Berdasarkan hasil penelitian, diketahui bahwa Pelaksanaan penjualan barang gadai di Bank Syariah Indonesia Cabang Pringsewu ada yang sesuai dengan Hukum Ekonomi Syari’ah, dan dan ada yang tidak. Kata kunci : Gadai, Penjualan, Barang Gadai, Hukum Ekonomi Syari’a

PENGARUH LABELISASI HALAL DAN BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN KONSUMEN MUSLIM PADA PRODUK KOSMETIK

This study aims to determine the effect of halal labeling and brand image on purchasingdecisions. The research method in this research is using quantitative research methods. Thepopulation in this study are consumers who buy Wardah cosmetic products in Bandar LampungCity. The sampling technique in this study used a purposive sampling method with a sample of100 respondents. The data analysis technique used is multiple linear regression analysis. Thetest results show that halal labeling and brand image have a significant effect on purchasingdecisions. Based on the results of the calculation of the coefficient of determination (R2)obtained a value of 0.772. this can explain that the variable labeling halal and brand image isable to explain the variable purchasing decisions by 77.2%. So it can be said that 77.2% of thepurchasing decision variables can be explained by a temporary model and the remaining22.8% is influenced by other factors not included in this study

PENGARUH MAKRO EKONOMI TERHADAP PROFITABILITAS PERBANKAN SYARIAH DI MASA PANDEMI COVID-19

Pandemi Covid19 secara global telah mengakibatkan berbagai negara bukan hanya mengalami krisis kesehatan namun berdampak pada kondisi perekonomian. Selama terjadi pandemi Covid19, Indonesia mengalami berbagai gejolak seperti pertumbuhan ekonomi yang mengalami kontraksi maupun inflasi yang meningkat. Keadaan demikian dianggap dapat mempengaruhi profitabilitas perbankan sehingga tujuan penelitian ini adalah untuk mengetahui pengaruh PDB dan inflasi terhadap profitabilitas perbankan syariah di Indonesia. Metode penelitian ini merupakan penelitian kuantitatif dengan regresi linier berganda. Populasi dalam penelitian ini sebanyak 32 perbankan. Sampel dalam penelitian ini menggunakan total sampling sehingga terdapat 32 sampel penelitian. Hasil penelitian menunjukkan bahwa PDB tidak berpengaruh terhadap profitabilitas (p; 0,705>0,05) sedangkan inflasi memiliki pengaruh terhadap profitabilitas (p; 0,438 < 0,05).Kata kunci: PDB, Inflasi, Profitabilitas

The Impact of Leadership, Motivation, Discipline, and Wages on The Performance of Sharia Bank Employees

Abstract:  The development of Islamic Banks increased rapidly. Based on assets, profitability, market share, and others. They were followed by internal management, such as an expansion of the facilities and services. On the other hand, considering Islamic Banks’ human resources is very important in realizing the vision and mission. As a result, they must be improving the worker's performance on the goals. This research used a quantitative approach with the independent variable are leadership, working discipline, motivation, and wages. The dependent variable used in this research is employee performance. The result showed that leadership, working discipline, motivation, and wages significantly affect the employee enterprise. It can be seen from the magnitude of t count of 45.804 t table of 2.51 with a significance (sig) of 0.000 0.05. Simultaneously critical in the leadership thorough giving higher wage and the reward encouraged workers’ motivation, discipline to increase workers’ performance. As a result, those variables can improve employee performance to achieve a manner together in Bank BRI Syariah Tugumulyo Branch, Bandar Lampung, South Sumatra. The conclusion stated that the independent variables affected the workers' enterprise. Therefore, as a result, these models are very suitable for improving banks’ workers to achieve their goals.Abstrak: Perkembangan Bank Syariah meningkat pesat. Berdasarkan aset, profitabilitas, pangsa pasar, dan lain-lain. Disusul dengan manajemen internal, seperti perluasan fasilitas dan layanan. Di sisi lain, mengingat sumber daya manusia Bank Syariah sangat penting dalam mewujudkan visi dan misi. Akibatnya, mereka harus meningkatkan kinerja pekerja pada tujuan. Penelitian ini menggunakan pendekatan kuantitatif dengan variabel bebas yaitu kepemimpinan, disiplin kerja, motivasi, dan upah. Variabel terikat yang digunakan dalam penelitian ini adalah kinerja karyawan. Hasil penelitian menunjukkan bahwa kepemimpinan, disiplin kerja, motivasi, dan upah berpengaruh signifikan terhadap karyawan perusahaan. Hal ini terlihat dari besarnya t hitung sebesar 45,804 t tabel sebesar 2,51 dengan signifikansi (sig) sebesar 0,000 0,05. Sekaligus kritis dalam kepemimpinan menyeluruh memberikan upah yang lebih tinggi dan penghargaan mendorong motivasi pekerja, disiplin untuk meningkatkan kinerja pekerja. Sehingga variabel-variabel tersebut dapat meningkatkan kinerja pegawai untuk berprestasi secara bersama-sama di Bank BRI Syariah Cabang Tugumulyo, Bandar Lampung, Sumatera Selatan. Kesimpulannya menyatakan bahwa variabel independen berpengaruh terhadap perusahaan pekerja. Oleh karena itu, sebagai hasilnya, model ini sangat cocok untuk meningkatkan pekerja bank untuk mencapai tujuan mereka.

OPTIMALISASI PERAN PERBANKAN SYARIAH DALAM MENGEMBANGKAN INDUSTRI PRODUK HALAL: STUDI PADA INDUSTRI FASHION BUSANA MUSLIM DI PROVINSI LAMPUNG

Penelitian ini bertujuan untuk mengetahui, menganalisis dan memahami sejauh mana peran perbankan syariah dalam mengembangkan industri halal, khususnya dibidang halal fashion. Jenis penelitian ini adalah penelitian deskriptif kualitatif berdasarkan hasil penelitian wawancara dan dokumentasi dengan menggunakan analisis dari Miles dan Huberman. Hasil penelitian menunjukkan bahwa perbankan syariah dalam mengembangkan industri halal belum optimal dalam melakukan sosialisasi yang efektif kepada para pelaku industri fashion halal, meskipun telah dilakukan sosialisasi melalui seminar namun belum sepenuhnya sampai pada pelaku industri fashion muslim, di satu sisi masih minimnya promosi terkait produk yang dilakukan oleh perbankan syariah. Sedangkan, potensi bank syariah sendiri dapat mengadakan even-even menarik guna merubah pola pikir masyarakat bahwa bank syariah itu inklusif dan tidak eksklusif

Analisis Halal Tourism dalam Meningkatkan Laju Pertumbuhan Ekonomi di Provinsi Lampung

Abstract The purpose of this research is to see tourist destinations in Prov. Lampung has the potential to become a sharia tourism, this is supported by an assessment of four aspects in tourist objects which include attractions, amenities, accessibility and ancillary. This research is descriptive analysis, the research data is obtained by distributing questionnaires, interviews and direct observation in 6 leading tourist destinations in Prov. Lampung which is the object of research. The results showed tourist destinations have advantages including adequate attractions by presenting scenic spots, supporting facilities and infrastructure for tourists, the availability of easily obtained information, and uniqueness with the concept of sharia in managing tourist attractions. However, there are still some weaknesses that need to be improved, including the absence of a guarantee of halal food products, the unavailability of adequate public transportation to get to tourist attractions, and no optimal cooperation between the government and managers. Halal tourism in Lampung Province has an opportunity due to the absence of sharia tourism in the Lampung area and it answers the needs of the Muslim community for Islamic tourism in Lampung. Keyword: Halal tourism, economic growth. Abstrak Tujuan penelitian ini untuk melihat destinasi wisata di Prov. Lampung memiliki potensi untuk menjadi wisata syariah hal tersebut didukung dengan penilaian empat aspek yang ada di objek wisata yang meliputi atraksi, amenitas, aksesibilitas dan ancillary. Penelitian ini bersifat deskriptif analisis, data penelitian diperoleh dengan meyebarkan kuesioner, interview dan observasi langsung di 6 destinasi wisata unggulan yang ada di Prov. Lampung yang menjadi objek penelitian. Hasil penelitian menunjukan bahwa destinasi wisata di Prov. Lampung memiliki potensi untuk menjadi wisata syariah hal tersebut di dukung dengan penilaian empat aspek yang ada di objek wisata yang meliputi atraksi, amenitas, aksesibilitas dan ancillary. Destinasi wisata memiliki keunggulan meliputi atraksi yang memadai dengan menyajikan spot pemandangan, sarana dan prasarana penunjang wisatawan, ketersediaan informasi yang mudah diperoleh, serta keunikan yang berkonsep syariah dalam pengeloaan tempat wisata. Namun, masih ada beberapa kelemahan yang perlu diperbaki yaitu meliputi belum adanya jaminan kehalalan produk makanan, belum tersedianya tranportasi umum yang memadai untuk menuju tempat wisata, serta belum terjalin kerjasama antara pemerintah dan pengelola secara optimal. Halal tourism di Provinsi Lampung memiliki peluang dikarenakan belum adanya wisata syariah di daerah Lampung dan memjawab kebutuhan masyarakat muslim akan pariwisata syariah di Lampung. Keyword: Halal tourism, pertumbuhan ekonomi

Impact of Viral Marketing on Marketplace Purchase Decisions in Indonesia

This study aims to further examine the impact of the influence of viral marketing on purchasing decisions in the market place in Indonesia. The sample of this study used the slovin technique with a sample of 400 in the millennial generation in Indonesia. In this study, the resulting data was processed using the SPSS version 24 statistical tool with the Individual Parametric test (T test) on the basis of a significance level of 5%. The results of the study show that there is an impact of the influence of viral marketing on purchasing decisions in the market place in Indonesia. This happens because individuals as consumers in making purchasing decisions are obtained and influenced by the knowledge and clarity of the viral marketing content of the products that are created. In addition, with current digitalization very quickly, product content becomes viral, it can make an individual tend to be interested and curious about endemic product trends so that consumers are interested in buying products and thus serve as the basis for making decisions in purchasing in the Indonesian market place. The main and most important factor very important in the development of information through viral marketing is that it will increase trust for customers in making purchasing decisions in the market place

Potensi dan strategi pengembangan kuliner halal dalam meningkatkan pertumbuhan ekonomi di Kota Bandar Lampung

Lampung's economic conditions, which previously showed recovery after the passing of the crisis that hit the world economy since 2008, were hit by an epidemic in 2020, which resulted in weakening GRDP and economic growth in Lampung in general and Bandar Lampung in particular. The goal of this research is to identify the potential and strategy for developing halal culinary in order to boost economic growth in the city of Bandar Lampung. The type of research used is qualitative research with field observation techniques because the data needed or collected in this study is based on the reality that occurs in people's lives. The data sources used are primary and secondary. The results of this study concluded that the potential of the banana chip culinary tourism destination KUB Telo Rezeki All Mider Bandar Lampung City has met the standard concept of developing halal tourism. The existence of sharia tourism can support economic growth by reviving the community's creative industries. The marketing strategy implemented by the KUB Telo Rezeki Banana Chips Shop in competition is based on the 4P marketing mix strategy, namely product strategy, price strategy, place strategy, and promotion strategy, and is in accordance with the Sharia marketing concept