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<![CDATA[oPtImALISASI PeRAn ZAkAt dALAm memBeRdAYAkAn PeRekonomIAn UmAt ]]>
<![CDATA[Al Arif, M Nur Rianto]]>
<![CDATA[ ULUL ALBAB Jurnal Studi Islam Vol 14, No 2 (2013): ULUL ALBAB Jurnal Studi Islam ]]>
Publisher : <![CDATA[Informasi dan Publikasi (INFOPUB) ]]>
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<![CDATA[The government poverty alleviation program could not give a significant change to reduce poverty. It needed a support from other sub-system, such as zakah. Zakah, as one of the Islamic fiscal instruments has played a significant role in Islamic economic. The potential of zakah would cover several aspects like poverty alleviation program through social welfare system. Zakah could obtain a social welfare system such as workplace accident insurance, old age pension, pension insurance, and death insurace. In addition, other problems such as housing for the poor, capital investment and education could be cared through zakah if zakah was managed and developed in a maximal way.]]>
<![CDATA[Penjualan on-line berbasis media sosial dalam perspektif ekonomi Islam ]]>
<![CDATA[Al-Arif, M. Nur Riyanto]]>
<![CDATA[ IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan Vol 13, No 1 (2013): IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Negeri Salatiga ]]>
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<![CDATA[Contemporary transactions along with the development of existing technologies have given rise to other forms of trading i.e. on-line trading. This paper aims to look at how the Islamic economic perspectives associated with on-line trading. The method used in this paper was library research. On-line trading had fulfilled the shariah principle, i.e. al-aqid, s}i>ghah, al-maâqu>d alaih and the goal of the transaction. The transaction models that can be adopt in trading on line are bayâ al-mura>bah}ah and bayâ al-sala>m. Trading online had several advantage for buyer and seller, but trading on-line also had several problems. So, we must to had a strategy to minimize the various problems that may arise.]]>
<![CDATA[Efek Multiplier Zakat Terhadap Pendapatan di Propinsi DKI Jakarta ]]>
<![CDATA[Al Arif, M. Nur Rianto]]>
<![CDATA[ Al-Iqtishad: Journal of Islamic Economics Vol 4, No 1: January 2012 ]]>
Publisher : <![CDATA[Faculty of Shariah and Law ]]>
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DOI: 10.15408/aiq.v4i1.2079
<![CDATA[The aim of this research is to analyze the multiplier effect of zakah revenue in DKI Jakarta, a study case at Badan Amil Zakat, Infak, and Shadaqah (BAZIS) DKI Jakarta. Least square methods is used to analyze the data. The coefficient will be used to calculate the multiplier effect of zakah revenue and it will be compared with the economy without zakah revenue. The result showed 2,522 multiplier effects of zakah revenue and 3,561 multiplier effect of economic income without zakah revenue. This suggest that the management of zakah in BAZIS DKI Jakarta still can have a significant influence on the economyDOI: 10.15408/aiq.v4i1.2079]]>
<![CDATA[THE EFFECT OF SPIN-OFF POLICY ON FINANCING GROWTH IN INDONESIAN ISLAMIC BANKING INDUSTRY ]]>
<![CDATA[Al Arif, M. Nur Rianto]]>
<![CDATA[ Al-Ulum Vol 15, No 1 (2015): Al-Ulum ]]>
Publisher : <![CDATA[Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo ]]>
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<![CDATA[The purpose of this paper is to analyze the relationship between spin-off policy on the financing growth of Islamic banking industry in Indonesia. This research used panel regression with fixed effect. The variable used in this paper is dummy variabel of spin-off, and also included the internal factor of industry such as third party fund, and efficiency ratio (measured by BOPO). Besides the internal factor, this research also included the external factor such as inflation rate, economic growth rate, and interest rate from conventional banking. The result shows that only third part funds and interest rate had an impact on the financing growth in spin-off banks. The spin-off policy doesnât have an impact on the financing growth in spin-off banks -----Tujuan dari penulisan artikel ini ialah untuk menganalisis keterkaitan antara kebijakan pemisahan terhadap pertumbuhan pembiayaan pada industri perbankan syariah di Indonesia. Penelitian ini menggunakan teknik regresi panel dengan model efek tetap. Variabel yang dipergunakan dalam artikel ini ialah variabel dummy pemisahan, serta memasukkan pula faktor internal seperti dana pihak ketiga dan rasio efisiensi yang diukur dari BOPO. Selain itu dimasukkan pula faktor eksternal seperti tingkat inflasi, tingkat pertumbuhan ekonomi, dan tingkat suku bunga dari bank konvensional. Hasil yang ada menunjukkan bahwa hanya dana pihak ketiga dan tingkat bunga yang memiliki pengaruh terhadap pertumbuhan pembiayaan di bank syariah yang pisah. Kebijakan pemisahan tidak memiliki pengaruh terhadap pertumbuhan pembiayaan di bank syariah yang pisah.]]>
<![CDATA[Determinan Pembiayaan Bagi Hasil Perbankan Syariah Di Indonesia: Model Regresi Panel ]]>
<![CDATA[Al Arif, M Nur Rianto]]>;
<![CDATA[Nurhikmah, Ika]]>
<![CDATA[ AL-FALAH : Journal of Islamic Economics Vol 2, No 1 (2017) ]]>
Publisher : <![CDATA[Sekolah Tinggi Agama Islam Negeri Curup ]]>
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DOI: 10.29240/jie.v2i1.161
<![CDATA[Financing is one of the performanceâs indicator in Islamic banking industry. The aim of this research is to examine the factors that influence the financing in the Indonesian Islamic banking industry. The method that used in this research is panel regression with fixed effect model. The variabels that used in this research are capital ratio, profitability ratio, default rate, liquidity ratio, efficiency ratio, deposit fund, inflation, and profit sharing yield. The result shows that the capital ratio, profitability ratio, efficiency ratio, deposit funds, and profit sharing yield had an impact on financing in the Indonesian Islamic banking industry. This result implies that the Islamic banks should maintain the internal factors to increase the financing in the Islamic banking industry.]]>
<![CDATA[METODE SPIN-OFF DAN TINGKAT PROFITABILITAS: STUDI PADA BANK UMUM SYARIAH HASIL SPIN-OFF ]]>
<![CDATA[Al Arif, M Nur Rianto]]>;
<![CDATA[Dewanti, Endah Putri]]>
<![CDATA[ IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v10i1.2316
<![CDATA[The Law No. 21 of 2008 about Islamic banking, requires every Islamic business unit to spin-off if they have met the criterion. There are two spin-off’s methods can be selected by Islamic banks. The purpose of this research is to analyze the effect of spin-off method to profitability. The profitability indicator that used in this study is the return on asset. This study is using panel regression with random effect model. The result showed that spin-off method doesn’t have a significant impact on the Return On Asset (ROA) Islamic Banks from spin-off effect. Only BOPO and Non-Performing Finance (NPF) had a significant effect on Return On Asset (ROA). These results indicate that the Islamic business units that want to do the spin-off can choose one of two methods of the spin-off. The decision depends on the internal condition of Islamic business unit and the internal policies of conventional commercial banks.Undang-undang No. 21 tahun 2008 tentang Perbankan Syariah mewajiban setiap unit usaha syariah untuk melakukan pemisahan apabila telah memenuhi kriteria. Terdapat dua metode pemisahan yang dapat dipilih oleh bank syariah. Tujuan dari penelitian ini ialah untuk menganalisis pengaruh metode pemisahan terhadap tingkat profitabilitas. Sampel yang digunakan pada penelitian ini adalah empat bank syariah hasil pisah. Indikator profitabilitas yang dipergunakan dalam penelitian ini ialah rasio return on asset. Metode analisis yang dipergunakan dalam penelitian ini regresi panel dengan model efek acak. Hasil penelitian menunjukkan bahwa metode pemisahan tidak berdampak pada tingkat profitabilitas di bank umum syariah hasil pemisahan, hanya tingkat efisiensi operasional (BOPO) dan tingkat pembiayaan bermasalah (NPF) yang berdampak pada tingkat profitabilitas.. Hasil ini mengindikasikan bahwa unit usaha syariah yang ingin memisahkan diri dapat memilih metode pemisahan. Keputusan tergantung pada kondisi internal dari unit usaha syariah dan kebijakan internal dari bank induk konvensional.]]>
<![CDATA[TIPE PEMISAHAN DAN PENGARUHNYA TERHADAP NILAI ASET BANK UMUM SYARIAH HASIL PEMISAHAN ]]>
<![CDATA[Al Arif, M. Nur Rianto]]>
<![CDATA[ KINERJA Vol 18, No 2 (2014): Kinerja ]]>
Publisher : <![CDATA[Faculty of Economics Universitas Atma Jaya Yogyakarta ]]>
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DOI: 10.24002/kinerja.v18i2.528
<![CDATA[The objective of this research is to analyze the impact of spinoff type to total asset in spinoffs banks.The analysis technique used in this paper is panel regression with fixed effect model. The result shows that thespinoff type didn’t have an influence to total asset in spinoffs banks. This research also shows that the spinoffpolicy is to be evaluated because the economy of scale from the existing Islamic business units is still small. Thespinoff policy is one of the business strategies that can be done to develop the Islamic banking industry, but thispolicy is not the final goal of Islamic banking industry. The most important thing today is to create a healthy andcompetitive Islamic banking industry.Keywords: spinoff type; panel regression; islamic banks, bank asset]]>
<![CDATA[Monopoly and Ikhtikar in Islamic Economics ]]>
<![CDATA[Al Arif, M. Nur Rianto]]>
<![CDATA[ Shirkah: Journal of Economics and Business Vol 1, No 3 (2016) ]]>
Publisher : <![CDATA[Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta ]]>
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DOI: 10.22515/shirkah.v1i3.37
<![CDATA[Monopoly is a form of market imperfection, which does not occur in a competitive market. Ikhtikar is a form of market distortion caused by the occurrence of engineering in the market. Monopoly, from the perspective of Islamic economics, differs from ikhtikar. There are several criteria that must be met in order for an economic action to fulfill the category of ikhtikar. In Islamic economics, it is prohibited for a producer to deliberately engineer, either by hoarding or proporting scarcity, to obtain greater profits as price becomes more expensive. In Islamic economics, a monopoly is permitted, though monopolies can not charge rent. The government must take an effective role in preventing market distortion to maximize the wellbeing of society. Keywords: ikhtikar, monopoly, government’s role, islamic economics ]]>
<![CDATA[Optimalisasi Peran Zakat dalam Memberdayakan Perekonomian Umat ]]>
<![CDATA[Al Arif, M Nur Rianto]]>
<![CDATA[ ULUL ALBAB Jurnal Studi Islam Vol 14, No 1 (2013): Islamic Studies ]]>
Publisher : <![CDATA[Universitas Islam Negeri Maulana Malik Ibrahim Malang ]]>
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DOI: 10.18860/ua.v0i0.2320
<![CDATA[The government poverty alleviation program could not give a significant changeto reduce poverty. It needed a support from other sub-system, such as zakah.Zakah, as one of the Islamic fiscal instruments has played a significant role inIslamic economic. The potential of zakah would cover several aspects like povertyalleviation program through social welfare system. Zakah could obtain a socialwelfare system such as workplace accident insurance, old age pension, pensioninsurance, and death insurace. In addition, other problems such as housing forthe poor, capital investment and education could be cared through zakah ifzakah was managed and developed in a maximal way.Program pengentasan kemiskinan yang dijalankan oleh pemerintah masihbelum memberikan dampak yang signifikan terhadap penurunan tingkatkemiskinan. Ia membutuhkan dukungan dari sub sistem lain termasuk zakat.Zakat merupakan salah satu instrumen fiskal Islam yang telah memberikanperanan cukup signifikan dalam sistem ekonomi Islam. Potensi zakat akanmampu mencakup berbagai macam aspek termasuk untuk program pengentasankemiskinan dalam bentuk sistem jaminan sosial. Zakat dapat dipergunakandalam berbagai bentuk sistem jaminan sosial, seperti asuransi tenaga kerja,asuransi pensiun dan asuransi jiwa. Serta untuk mengatasi berbagai macammasalah seperti perumahan, akses permodalan dan pendidikan bagi si miskinyang dapat dilakukan melalui maksimalisasi pengelolaan dan pendayagunaanzakat.]]>
<![CDATA[Evaluation of the Spinoffs Criteria: A Lesson from The Indonesian Islamic Banking Industry ]]>
<![CDATA[Al Arif, M Nur Rianto]]>;
<![CDATA[Nachrowi, Nachrowi D]]>;
<![CDATA[Nasution, Mustafa Edwin]]>;
<![CDATA[Mahmud, T.M. Zakir]]>
<![CDATA[ IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA ]]>
Publisher : <![CDATA[Ekonomi Syariah IAIN Kudus ]]>
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DOI: 10.21043/iqtishadia.v11i1.3211
<![CDATA[Spin-off policy is one of the crucial issues in the Indonesian Islamic Banking Act (The Act of 21/2008). This paper is going to evaluate the spinoffs criteria that are inherent in the Act of 21/2008. The method that has been used in this paper to evaluate the spinoffs criteria is ARIMA and simulation. This ARIMA method is used to forecast that the Islamic banking unit can achieve the fifty percent asset after fifteen years after this act. The object that is used in this paper is four Islamic spin-off's banks, five Islamic banking units, and two Islamic full-fledged banks. The ARIMA result shows that from all of the objects in fifteen years or the year of 2023, there are no Islamic banks either Islamic full-fledged banks or Islamic banking unit can achieve the fifty percent asset. Besides that, based on the simulation it needs high growth asset to achieve the market share asset of its parent’s banks. According to these results, this study suggests the regulator should revise the spinoffs criteria using the strict criteria that based on either nominal assets, capital, financial ratio or the others.]]>
