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Luqman H
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jeps@sebi.ac.id
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Jl. Raya Bojongsari, Pondok Rangga, Kec. Sawangan, Kota Depok, Jawa Barat 16517, Indonesia
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INDONESIA
Jurnal Ekonomi dan Perbankan Syariah
ISSN : 23551755     EISSN : 25796437     DOI : https://doi.org/10.46899/jeps.v9i1
Core Subject : Economy, Social,
Jurnal Ekonomi dan Perbankan Syariah is a scholarly journal published by Islamic Banking Department, School of Islamic Economics STEI SEBI The JEPS journal has been issued since 2013 and it’s have published twice in a year in April and October. The journal has been publishing scholarly papers since 2013. Starting in 2018 onwards, we encourage authors to only submit research papers written in good-read English academic writing. The journal is designed to provide a forum for researchers or academicians and also practitioners who are interested in knowledge and in discussing ideas, issues and challenges in the field of Islamic economic and banking. To solve the problem of the ummah and to provide the solution for the gap between the theories and practices. The scope or coverage of this journal will include but are not limited to Islamic economics, Islamic business, Islamic banking, Islamic capital markets, Islamic wealth management, issues on shariah implementation/practices of Islamic banking, zakat and awqaf, takaful, Islamic corporate finance, shariah-compliant risk management, Islamic derivatives, issues of Shariah Supervisory Boards, Islamic business ethics.
Articles 76 Documents
SWOT ANALYSIS IN AN EDUCATIONAL INSTITUTION (Case Study: Baitul Qur'an Islamic Boarding School, Depok) Aisyi, Gina Rohadatul; Zulkarnain, Lutfi
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 8, No 1 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i1.177

Abstract

The development of the educational institution industry continues to increase, which demands an effective marketing strategy to face the increasingly tight competition in the education service business. This research is a qualitative research methodology with a descriptive approach that aims to determine the marketing strategy of Baitul Qur'an educational institutions. The analysis tool used is the analysis of the company's environment (EFE, IFE, and IE Matrix) with the SWOT method (Strength, Weakness, Opportunity, Threat). The results of the Baitul Qur'an Islamic Boarding School evaluation based on Internal and External analysis obtained from the SWOT analysis resulted in an alternative strategy of S-O (Strength-Opportunity). Then, the results of the SWOT analysis are reprocessed using the QSPM (quantitative strategic planning matrix) method to obtain priority strategies from various alternative strategies as well as a decision to choose a strategy. The priority strategy in this study is to optimize the use of digital marketing and other marketing technologies to support the development of Islamic boarding schools in a wider area (6,87).
ANALISIS PENGARUH SUKU BUNGA SBI, UANG BEREDAR, INFLASI DAN NILAI TUKAR TERHADAP INDEKS HARGA SAHAM JAKARTA ISLAMIC INDEX (JII) PERIODE 2009-2014 Ash-Shidiq, Hafidz; Setiawan, Aziz Budi
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 3, No 2 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i2.158

Abstract

ABSTRAK: Penelitian ini bertujuan untuk menganalisis pengaruh antara suku bunga SBI, jumlah uang beredar (m2), inflasi dan nilai tukar rupiah IDR/USD terhadap Jakarta Islamic Index di Bursa Efek Indonesia, dengan periode pengamatan selama Januari 2009 – Desember 2014. Data yang digunakan dalam penelitian ini merupakan data yang terdiri dari data bulana. Metode analisis yang digunakan adalah analisis regresi berganda. Pengolahan data tersebut dilakukan dengan menggunakan Eviews 7. Hasil penelitian menunjukkan bahwa secara parsial suku bunga SBI, jumlah uang beredar (m2), dan inflasi tidak berpengaruh signifikan terhadap JII. Sedangkan nilai tukar rupiah mempunyai pengaruh negatif signifikan terhadap JII. Hasil uji koefisien determinasi menunjukkan bahwa nilai Adjusted R-Square 33,37%. Secara simultan perubahan variabel suku bunga SBI, jumlah uang beredar (m2), inflasi dan nilai tukar rupiah berpengaruh positif signifikan terhadap Jakarta Islamic Indek (JII).Kata Kunci: Jakarta Islamic Indek (JII), Inflasi, suku bunga SBI, nilai tukar rupiah IDR/USD, jumlah uang beredar (m2)ABSTRACT: The purpose of this research was to analyze the influence of interest rate of SBI, money supply (m2), inflation and rupiah exchange rate on the Jakarta Islamic Index in Indonesia Stock Exchange, with the observation period during January 2009 – Desember 2014. The data used in this study is a quantitative secondary data consisting of monthly data. The analysis method used is multiple linear regression analysis, clasical assumption test, and determination coefficient test. Data processing was performed using Eviews 7. The result showed that partially interest rate of SBI, money supply (m2), and inflation not influenced significant to the JII. Meanwhile, rupiah exchange rate have a negative effect and significant to the JII. The test results showed that the value of the coefficient of determination Adjusted R Square 33,37%. Simultaneously variables interest rate of SBI, money supply (m2), inflation and rupiah exchange rate movement have a positive significant effect to the Jakarta Islamic Index (JII).Keywords: Jakarta Islamic Index, Inflation, interest rate of (SBI), Exchange rate, and Money suply (M2)
STRATEGI PEMBENTUKAN LEMBAGA KEUANGAN MIKRO AGRIBISNIS (LKMA) PASCA PROGRAM PENGEMBANGAN USAHA AGRIBISNIS PERDESAAN (PUAP) DI KABUPATEN KUNINGAN Dwimanur, Kurniawati; Wibowo, Hendro
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 2, No 1 (2014): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v2i1.141

Abstract

Pertanian merupakan salah satu sektor andalan Indonesia dan merupakan mata pencaharian utama bagi mayoritas masyarakat Indonesia. Tenaga kerja yang banyak di bidang pertanian ini tidak diimbangi dengan perkembangan yang cukup signifikan. Kesejahteraan petani masih belum dapat tercapai. Untuk itu, pemerintah banyak menggulirkan program-program bantuan di bidang pertaniandalam rangka pengentasan kemiskinan salah satunya melalui program PUAP. Kemiskinan di kalangan petani ini disebabkan karena lambatnya pertumbuhan di bidang pertanian disebabkan oleh sulitnya mengakses permodalan untuk mengembangkan pertanian, melalui Program PUAP diharapkan petani dapat mengembangkan usahanya dan membentuk kelembagaan ekonomi khusus petani berupa Lembaga keuangan Mikro Agribisnis (LKMA) yang dapat menyediakan kebutuhan permodalan bagi petani miskin. Penelitan dilakukan di Kabupaten Kuningan dengan sampel 8 gapoktan yang tersebar di 6 kecamatan berbeda. Penelitian ini bertujuan untuk membuat strategi pembentukan LKMA bagi Gapoktan PUAP di Kabupaten Kuningan. Penelitian ini merupakan jenis penelitian deskriptif dengan alat analisis yang dipakai adalah model perumusan strategi dengan metode SWOT (Strength, Weakness, Opportunity, Threat). Yaitu mengevaluasi dan menentukan faktorfaktor pen njang dan penghambat apa saja yang berpengaruh terhadap pembentukan LKMA berdasarkan kepada analisis lingkungan internal dan eksternal. Selanjutnya berbagai alternatif strategi yang sudah didapat dari matriksSWOT diproses kembali menggunakan metode QSPM (Quantitative Strategic Planning Matrix) untuk melihat strategi mana yang menjadi prioritas utama. Hasil penelitian menunjukan keadaan Gapoktan pada proses pembentukan LKMA saat ini berada pada kuadran I, yaitu strategi SO (Strength-Opportunity). Dari beberapa alternatif strategi pada strategi SO, urutan prioritas strtaegi setelah dilakukan QSPM adalah satu, mengembangkan usaha tani melalui pemaksimalan pemanfaatan dana bantuan dari pemerintah dengan pengembangan permodalanpada usaha tani sehingga LKMA dapat terbentuk (nilai daya tarik 6,02) dan dua, mengembangkan kelembagaan Gapoktan melalui pelatihan tekhnis pembentukan LKMA guna meningkatkan peran modal petani dan kesiapan gapoktan dalam pembentukan LKMA (nilai daya tarik 3,15).Kata Kunci: LKMA, strategi pembentukan, Gapoktan
The Effect Of The Sharia Marketing Mix On Tourist Satisfaction After Earthquake In North Lombok Regency Sulaiman, Abdullah; Hindardjo, Anton
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 7, No 1 (2019): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v7i1.98

Abstract

In the tourism sector, the marketing mix is impossible to separate from the satisfaction of customers or tourists. So, it is necessary to maximize the tourism market share in North Lombok Regency after the disaster, especially halal tourism by evaluating the marketing mix of sharia. Thus, it will be a strategy for tourism recovery after the disaster that occurred in North Lombok Regency. This study aims to examine the effect of Sharia Marketing Mix on Tourist Satisfaction. Data was obtained by spreading 272 questionnaires to tourists in West Lombak Regency as respondents using purposive random sampling method. While data analysis using quantitative methods with the analysis tool used is Structural Equation Modeling (SEM). The results of this study indicate that the dimensions of the marketing mix ie place and physical evidence (infrastructure) affect tourist satisfaction. The implication is that it is necessary to reform the place and physical evidence (infrastructure) in the tourist area. This is a recommendation to stakeholders in the efforts of strategies used in post-disaster recovery.
KONSEP MARKETING MIX SYARIAH Syukur, Patah Abdul; Syahbudin, Fahmi
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 5, No 1 (2017): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v5i1.167

Abstract

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 mix
ANALISIS POTENSI TERJADINYA FINANCIAL DISTRESS PADA BANK UMUM SYARIAH (BUS) DI INDONESIA Rahmaniah, Melan; Wibowo, Hendro
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 3, No 1 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i1.151

Abstract

ABSTRAK: Tujuan penelitian ini adalah untuk mengukur tingkat kesehatan bank dengan menggunakan metode RGEC. Faktor-faktor yang dinilai adalah Risk profile, GCG, earnings, dan capital. Data dalam penelitian ini adalah data sekunder yang diambil dari laporan tahunan tiga Bank Umum Syariah (BUS) pada tahun 2011 sampai 2013. Penelitian ini menggunakan pendekatan deskriptif kuantitatif. Hasil penelitian ini menunjukkan bahwa pada tahun 2011 hingga 2013 dari ketiga BUS tidak ada yang dinyatakan tidak sehat dan tidak berpotensi terjadinya high financial distress. Hasil Penelitian ini juga menunjukkan bahwa ketiga BUS tersebut mengalami penurunan dalam kinerja earning yang diukur dari rasio ROA dan ROE dan risiko likuiditas yaitu rasio FDR, akan tetapi penurunan kinerja tersebut tidak berpengaruh signifikan dan tidak menyebabkan masing-masing BUS mengalami potensi high financial distress.Kata kunci: Tingkat Kesehatan, Bank Umum Syariah, Metode RGEC, dan Financial Distress.ABSTRACT: This study aims to measure the soundness of Islamic banking using RGEC method. As RGEC method, factors used in this study are risk profile, good corporate government (GCG), earnings, and capital. The data used is secondary data which taken from annual report of three of Islamic bank from 2011 to 2013. This research used quantitative and descriptive approach to analyse the data. The result showed that the three Islamic banks are in a secure level of the soundness and has no potential of high financial distress. Moreover the result showed us that the three bank have decreased on earning performance which is measured by performance of ROA (Return on Asset) and ROE (Return on Equity) and liquidity risk is the ratio of FDR (Financing to Deposit Ratio), however the influence of it is not significant and each bank has not lead to high financial distress.Keywords: Level of Soundness, Islamic Banks, RGEC Method, and Financial Distress.
Menentukan Faktor-Faktor Yang Memiliki Hubungan Minat Mahasiswa STEI SEBI menabung di SEBI Islamic Bank Mulyana, Hendi; Kamal, Mustafa
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 1, No 1 (2013): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v1i1.137

Abstract

Sekolah Tinggi Ekonomi Islam (STEI) SEBI mendirikan sebuah lembaga keuangan syariah. Lembaga keuangan tersebut bernama SEBI ISLAMIC BANK (SIB). SIB berdiri atas dasar pemikiran akan pentingnya suatu lembaga intermediari finansial internal kampus STEI SEBI. Lembaga ini pada awalnya mempunyai maksud mempermudah arus keuangan sekaligus mengembangkan instuisi produktif para pengelola, staff dan mahasiswa STEI SEBI khususnya, serta masyarakat di lingkungan STEI SEBI pada umumnya.Seiring dengan bertambahnya jumlah mahasiswa STEI SEBI tiap tahunnya, tentu menjadi peluang bertambah pula jumlah nasabah SIB. Namun pada kenyataannya mahasiswa yang menabung di SIB masih sedikit.Penelitian ini bertujuan untuk mengetahui pengaruh minat mahasiswa STEI SEBI menabung di Sebi Islamic Bank (SIB). Sumber data dalam penelitian ini adalah data primer yang diperoleh melalu kuesioner dari sebagian mahasiswa angkatan 2008-2011.Teknik pengumpulan data dilakukan dengan survei. Data diperoleh dengan menggunakan kuesioner yang disebar kepada sebagian mahasiswa angkatan 2008- 2011 sebagai sampel baik itu program studi Perbankan Syariah maupun Akuntansi Syariah. Untuk menentukan jumlah sampel penulis menggunkan rumus Slovin, yang mana dari hasil rumus Slovin tersebut dapat diketahui jumlah sampel yang ditentukan sebesar 85 responden dari angkatan 2008-2011 yang berjumlah 535 mahasiswa. Pemilihan sampel dilakukan dengan metode random sampling.  Teknik analisis data menggunakan pengujian melalui Uji Validitas dan Reliabilitas data, Chi-Square, serta analisis CHAID. Abstract Sekolah Tinggi Ekonomi Islam (STEI) SEBI has been establishing a shariah financial institutions. The institution namely SEBI ISLAMIC BANK (SIB). SIB has been establishing based on reasoning the urgency of financial intermediary institution internal campus STEI SEBI. Initially the institution had sole to facilitate cash flow both developing productiveness institution manager, staff and students STEI SEBI particularly and society at STEI SEBI generally.Along with increasing the number of students STEI SEBI every year, it would be good opportunity to increase a number of customer SIB. But the fact students who saved at SIB were still slightly.This research had goal to find out the influence students STEI SEBI who saved on Sebi Islamic Bank (SIB). Data sources in this research were primer data that had been obtainable by questioners from part of students 2008-2011.A technique to collect data has been done by survey. Data achieved  by questioners that spread to part of students 2008-2009 as sample both majoring Islamic Banking and Islamic accounting. In order to determine number of samples, writer used Solvin’s formula where the result could be discovered the number of samples as 85 respondents from 2008-2011 which amounts 535 students. Determining of samples had been done by sampling random method. Data analysis technique used examination through validation and reliability data, Chi-Square , and CHAID analysis.Keywords : Islamic Microfinance, CHAID Method
Tinjauan Fikih Muamalah Terhadap Penerapan Khiyar Dalam Transaksi E-Commerce Jamilah, Jamilah; Firmansyah, Firmansyah
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 6, No 1 (2018): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v6i1.87

Abstract

The e-commerce transaction is a buying and selling instrument that uses electronic equipment primarily. Online buying and selling as well as traditional buying and selling ethics and norms that must be applied in order to create satisfaction and willingness that is by giving the right khiyar. This study uses library research method which uses theories about khiyar in e-commerce transactions through book literature, journals, related to khiyar in e-commerce transactions.The results of this study can be concluded that the practice of khiyar in e-commerce transactions has been implemented through the policy of the return of goods but not all khiyar can be applied in e-commerce transactions there are only three khiyar that can be applied that khiyar syarat , khiyar aib and khiyar ru'yah.
THE EFFECT OF THE PERCEPTION OF ELECTRONIC MONEY ON CONSUMPTIVE BEHAVIOR OF STEI SEBI STUDENTS Fauziah, Nailah; Nurhasanah, Nining
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 8, No 1 (2020): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v8i1.176

Abstract

In the era of industrial revolution 4.0, technological developments made changes in the lifestyle of the modern generation. The purpose of this study was to analyze the perception of the use of electronic money, whether it supports the consumptive research of STEI SEBI students. The electronic money acceptance model in this study uses the Technology Acceptance Model (TAM), and the indicators used to measure the consumptive level of STEI SEBI students are indicators of consumptive behavior. The research used descriptive-quantitative. The data used are primary data sent from questionnaires distributed to STEI SEBI students. The method of analysis in this study uses a simple regression analysis. The results of this study indicate that electronic money has a positive and significant influence on the consumptive students of STEI SEBI, users using high electronic money than making consumptive STEI SEBI students will also increase.
ANALISIS PENGARUH TINGKAT RELIGIOSITAS TERHADAP KINERJA KARYAWAN BANK SYARIAH (STUDI KASUS PADA KARYAWAN KANTOR PUSAT BANK SYARIAH X) Nuroniah, Eva; Triyanto, Abdi
JURNAL EKONOMI DAN PERBANKAN SYARIAH Vol 3, No 1 (2015): JURNAL EKONOMI DAN PERBANKAN SYARIAH
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46899/jeps.v3i1.156

Abstract

ABSTRAK: Tujuan dari penelitian ini adalah untuk mengetahui tingkat religiositas dan kinerja karyawa bank syariah x; pengaruh religiositas karyawan erhadap kierjanya. Lebih lanjut penelitian ini juga melihat bagaiamana manajer meningkatkan kinerja karyawan. Objek dari penelitian ini adalah karyawan bank syariah X yang ada dikantor pusat. Metodologi penelitian ini menggunakan kombinasi kualitaif dan kuantitaif. Data yang digunakan adalah data primer dari wawancara dan juga data sekunder. Dalam menganalisis data kuantitatif menggunakan regression test, sedangkan untuk yang kualitatif menggunakan induktif. Hasil dari penelitian ini adalah; tingkat religiositas bank syariah X berada pada level yang bagus dan juga tingkat kinerja karyawan; tingkat religiositas berpengaruh sebesar 33,8 % terhadap kinerja karyawan dan selebihnya dipengaruhi oleh factor yang lain.Kata kunci: Religiositas, kinerja karyawan, Bank syariah, dan regresi.ABSTRACT: The purpose of this research is to test : (1) how the religiosity rate and workers performance in x syariah bank; (2) the influence of religiosity rate to workers performance. furthermore, this research will looking for the way how to increase workers performance. The object of this research is the workers of x syariah bank at the head office. The method of this research is the combination between quantitative and qualitative method. Using two types of data, the primer data (questionnaire, interview and observation) and the secondary data (documentation and literature). In quantitative analysis Regression test is used. Whereas for qualitative analysis, using inductive method. The result of this study show that: (1) the religiosity rate of x syariah bank workers is relatively at very religious level, Workers performance rate also relatively at very good level; (2) that there is a significant influence 33,8% between religiosity rate to performance. Whereas 66,2% performance influenced by other aspect such as culture and job environment, leadership from top management, job motivation, job satisfaction, and others.Keywords: Religiosity, performance, Islamic bank, Regression