scholarly journals Behind the deviation of islamic bank from sharia principles

2020 ◽  
Vol 10 (1) ◽  
Author(s):  
Moh. Baqir Ainun
Keyword(s):  
Qualitative Method ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Bank ◽  
The Right ◽  
Depth Interviews

This paper examines the causes of Islamic bank deviated from sharia principles. I want to explore why Islamic bank deviates from sharia principles. This study used a qualitative method with in-depth interviews with one of the Islamic banks in Sumenep Indonesia. I divided this study into two steps. First, examine whether Islamic bank deviates from sharia principles. Second, examine what causes Islamic banks to deviate from sharia principles. The results of this study found that the causes of Islamic banks deviated from sharia principles are the existence of competition between Islamic banks and the existence of profit targets that must be achieved. The findings of this study contribute to providing information to the public who criticize Islamic bank so that they understand the difficult conditions of Islamic bank to adhere perfectly to sharia principles so that the public do not always blame Islamic bank for deviations committed and do not condemn it. In turn,  this problem can be found the right solution

scholarly journals Islamic Perspectives on the Implementation of Wadiah Products at Islamic Banks in Indonesia

2021 ◽  
pp. 38-46
Author(s):  
Murniati Ruslan
Keyword(s):  
Qualitative Method ◽  
Islamic Law ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Muslim Community ◽  
Muslim Society ◽  
Islamic Bank ◽  
Bank Staff ◽  
Community Preferences ◽  
Depth Interviews

The aim of this paper is to study the implementation of Wadiah Product at an Islamic Bank in Indonesia. Bank Syariah Mandiri is the first government bank that operates according to the Islamic Syariah system in Indonesia. The Bank Syariah Mandiri provides wadiah products to serve its customers who are concerned with a free interest product in a financial transaction. This study was carried out with a qualitative method, and the data were gathered through in-depth interviews with the bank staff and manager, observation, and written material. The results of this study show that wadiah application in Bank Syariah Mandiri of Palu runs in accordance with the Syariah principles of Islamic Law. The results of this study also show that costumers lack knowledge regarding how to access the wadiah product. Then the Muslim community preferences in wadiah savings products is still relatively small because Muslim society  perceived the profit sharing at the Islamic bank is lower  compared to similar products from conventional banks.Further study may focus on Islamic banks customers perception of the wadiah product.

Peranan Komisaris dan Direksi Bank Syariah dalam Pengelolaan Dana Zakat dan ISR (Islamic Social Responsibility) di Indonesia

2019 ◽  
Vol 14 (2) ◽  
pp. 95
Author(s):  
Melia Frastuti ◽  
Dimas Pratama Putra ◽  
Erfan Effendi
Keyword(s):  
Social Responsibility ◽  
Commercial Banks ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Bank ◽  
Positive Assessment ◽  
Nature Preservation

Abstract     Almsgiving is one of the pillars supporting the upholding of Islam as the obligation for the adherents to improve horizontal relations between fellow humans and strengthen vertical relations with Allah SWT. The implementation of Islamic Social Responsibility (ISR) of the Islamic Bank gives a positive assessment in sharia agreement, justice and equality, responsibility for work, welfare, guarantee of nature preservation and benevolent assistance that is not profit-oriented.Proper almsgiving management and ISR implementation make Islamic banks trusted by the public in terms of service quality, satisfaction and loyalty of Muzzaki. It reduces bad images, and provides relevant impacts on social welfare and the progress of the era. The data analysis used to test the hypotheses is Multiple Linear Regression analysis. The data is collected by distributing questionnaires to Commissioners and Directors at 14 (fourteen) Islamic Commercial Banks spread throughout Indonesia. The result of this study shows partially prove the role of Islamic bank commissioners in the amsgiving management only, while the importance of the role of directors in Islamic banks in almsgiving management and the implementation of ISR partially. Keywords: Islamic Bank, Commissioners, Directors, Almsgiving and ISR

scholarly journals Analysis of Corporate Governance on Islamic Bank in Indonesia

2019 ◽  
Vol 19 (2) ◽  
Author(s):  
Muhamad Nadratuzzaman Hosen ◽  
Nasimul Falah ◽  
Fitriyani Lathifah
Keyword(s):  
Corporate Governance ◽  
Islamic Law ◽  
Qualitative Approach ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Positive Law ◽  
The Right ◽  
Islamic Values

This research demonstrates conceptual corporate governance (CG) which has relationship with regulations and Islamic teaching. Then, to investigate CG in Islamic Bank in Indonesia and to review law aspects and Islamic values related to rules of corporate CG in Islamic Bank in Indonesia. The study used qualitative approach using study literature and interview to analyze the implementation of corporate governance in Islamic bank in Indonesia. This study found that Islamic Banks which issued the rules of CG were not following philosophy of Islamic principles and not following strongly Islamic law and positive law. Hence, there were several fraud cases on Islamic banks inIndonesia. Islamic corporate governance in Indonesia still not find the implementation like in Malaysia. Rules of CG through regulation for Islamic bank is involving futher researher to examine the right policy. The regulation of corporate governance regulations for Islamic bank still need to be refined and turned into Islamic corporate governance standard in accordance with Islamic principles and national laws which required by Islamic bank.

scholarly journals Persepsi Masyarakat Kota Medan Terhadap Penggunaan Financial Technology

2018 ◽  
Vol 3 (1) ◽  
pp. 184
Author(s):  
Tri Inda Fadhila Rahma
Keyword(s):  
Data Collection ◽  
Public Interest ◽  
Financial Services ◽  
Qualitative Method ◽  
Public Perception ◽  
Technology Innovation ◽  
The Public ◽  
Analysis Technique ◽  
Depth Interviews ◽  
Financial Technology

<span>This research aimed to find out the public perception of the use of financial technology (Fintech). The informant in this research is the citizen of Medan as a user fintech or not. Data collection techniques by using in-depth interviews to 10 informants with different ages and professions background. The analysis technique by using descriptive qualitative method that is useful to provide facts and data. The result shows that public perception toward the use of financial technology (fintech) includes attitude, interest, understanding, motivation, and expectation. Where attitude of society towards the use of fintech, providing support to the progress of financial technology innovation in Indonesia is very helpful for the community, while the public interest to use fintech has been proven from interviews 9 out of 10 respondents have been interested by using it. The society has understood the benefits and usage of fintech because using fintech is more efficient and effective than other financial services so that people are motivated to use fintech. The society hope to the organizers of fintech in order to provide socialization to the public and practicality in using the service, so that people who lack understanding of technology can use it easily.</span>

scholarly journals Analisi Persepsi Dosen Terhadap Perbankan Syariah (Studi Kasus Dosen Fakultas Ekonomi UMN)

2019 ◽  
Vol 4 (2) ◽  
pp. 436
Author(s):  
Mawaddah Irham
Keyword(s):  
Qualitative Method ◽  
Primary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank

<p align="center">Perception is the process of one's interpretation of the environment, in this case the perception of Islamic banking. The purpose of this study was to determine how perceptions of UMN economics lecturers on Islamic banking. The method used is a qualitative method. The data used are primary data in the form of a questionnaire. The results of the study provide data that 70% of informants agree with the principles of Islamic banks, that is monotheism. 40% of informants stated neutral and 33% agreed to Islamic bank operations and 44% stated neutral and 40% agreed to the objectives of Islamic banks.</p>

scholarly journals STRATEGI KOMUNIKASI TIM GUGUS TUGAS COVID-19 DALAM PELAKSANAAN PEMBATASAN SOSIAL BERSKALA BESAR (PSBB)

2021 ◽  
Vol 3 (2) ◽  
pp. 17-24
Author(s):  
Silmi Salimah ◽  
Reni Nuraeni, Ph.D. ◽  
Rizca Haqqu, M.Ikom.
Keyword(s):  
Local Government ◽  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Large Scale ◽  
Task Force ◽  
Communication Strategy ◽  
The Public ◽  
The Right ◽  
The City

The purpose of this study was to determine the implementation of the communication strategy carried out by the Head of the Tasikmalaya City Covid-19 Cluster Team in the implementation of Large-Scale Social Restrictions (PSBB). The research method used is a qualitative method with data collection techniques interview, observation and documentation. The results showed that the implementation of the communication strategy carried out by the Task Force Team of the City of Tasikmalaya was in accordance with the indicators of the communication strategy ranging from the communicator determination strategy, message determination strategy, media determination strategy and audience determination strategy. The communication strategy implemented resulted in the fact that the spread of Covid-19 in Tasikmalaya City had decreased due to the implementation of discipline carried out by the apparatus as the Tasikmalaya City Covid-19 Task Force Team and communication that was conveyed to the public with the right strategy. The implementation of the communication strategy that has been carried out by the Task Force Team, the implementation of the report on the results of the Tasikmalaya City discipline presentation is reported directly to the Governor who is charged to Kominfo with the local Government.

scholarly journals Analisis persepsi dosen terhadap perbankan syariah (Studi kasus dosen tamu Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN SU)

2020 ◽  
pp. 54-76
Author(s):  
Tri Inda Fadhila Rahma Inda
Keyword(s):  
Qualitative Method ◽  
Interview Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Economic Democracy ◽  
Administrative Costs ◽  
Islamic Bank ◽  
Profit Share

Perception is the process of one’s interpretation of the environment, in this case the perception of Islamic banking. The purpose of this study was to determine how the perception of guest lecturers of Islamc Banking Study of Economic and Islamic Business UIN SU towards Islamic Banking. The method used is a qualitative method. The data uses are questionnaire and interview data. The results of study present data that 73,33% agree with the principles of Islamic banking. That is they have a good perception of the principles of Islamic banking, namely; Islamic banks are banks based on monotheism, guided by the Qur'an and hadith. Islamic Banks are banks that are free from usury, maysir and gharar. Sharia Banking in its business activities is based on sharia principles, economic democracy and prudential principles. 43% stated neutral on islamic bank operation. It means that the informants were still hesitant about the operations of islamic banks, because according to them islamic banks were still unable to operate in accordance with islamic principles, did not provide a large profit share to their customers, their products were difficult to access and the amount of administrative costs. 44% of informants agreed with the objectives of islamic banking. That is, informan have a good perception ofthe objectives of islamic banks, namely for the benefit. Islamic banks prioritize justice and togetherness for all their customers, islamic banks also contribute to reducing poverty through financing products. If seen from the aspect of general perception regarding the existance of islamic banks, islamic bank services, convenience and security in transactions, it can be concluded that 70% of informants have a good perception of islamic banks. The decicion of the informant in choosing an islamic bank, amounting to 70%.

scholarly journals Mekanisme Kemitraan Petani PIR-TRANS dan PT. Tania SelatanMelalui Koperasi untuk Produksi Kelapa Sawit di Desa Tania Makmur, Kecamatan Lempuing Jaya, Kabupaten OKI, Propinsi Sumatera Selatan

2019 ◽  
pp. 49
Author(s):  
KADEK MARTINI NINGSIH ◽  
I KETUT RANTAU ◽  
PUTU UDAYANI WIJAYANTI
Keyword(s):  
Data Collection ◽  
Qualitative Method ◽  
Qualitative Data ◽  
Secondary Data ◽  
The Poor ◽  
Harvesting Process ◽  
The Right ◽  
Depth Interviews ◽  
Poor Management

Partnership Mechanism of PIR-TRANS farmers and PT. Tania Selatan through a cooperative for Palm Oil Production in Tania Makmur Village,Lempuing Jaya Sub-district, OKI Regency, South Sumatera Province PIR-TRANS and PT. South Tania could make farmers feel aggrieved because of  the lack of good management company, so the PIR-TRANS farmers need to know the mechanisms and constraints on partnership between farmers PIR-TRANS and PT. South Tania through cooperatives. Mechanisms of partnership can be seen from the rights and obligations of farmers and companies, as well as the role of relevant institutions and the constraints faced by companies and farmers. The data used in the form of qualitative data sourced from primary and secondary data. Methods of data collection in the form of in-depth interviews and documentation. The analytical method used is descriptive qualitative method. The results showed that mechanisms and constraints in the implementation of partnership is based on a written agreement between farmers of PIRTRANS and PT. Tania Selatan has been implemented quite well. Farmers' right to getseeds, development and marketing of crops. The right of the company is to get the harvest in accordance with the standards of the company. The farmer's obligation is to supply all crops according to the company standards. The company's obligation is to maintain the infrastructure. The certainty of roles between farmers and companies has been running optimally. The biggest obstacle faced by farmers and companies is the poor road infrastructure causing inhibition of transportation and harvesting process, especially in the rainy season, and poor management of the company to make farmers feel harmed at the beginning of cooperation done.

scholarly journals Gender Equality at the Agriculture Office in Kabupaten Enrekang

2019 ◽  
Vol 3 (2) ◽  
pp. 100-105
Author(s):  
Suparman Suparman
Keyword(s):  
Local Government ◽  
Data Collection ◽  
Gender Equality ◽  
Qualitative Method ◽  
Public Services ◽  
The Public ◽  
Depth Interviews ◽  
People’S Perceptions

Gender Equality in Enrekang District (Case Study of Agricultural Service Personnel). This study aims to determine how people's perceptions of gender equality in the Agriculture Office of Enrekang District; and to find out the extent of gender equality in the Agriculture Office of Enrekang District. This type of research is a descriptive qualitative method; data collection is used by observation, in-depth interviews, documentation techniques from the results of photographs and archives owned by the local government. In this study, the target of the study was the first employee of the Agriculture Office of Enrekang District, the second community considered to be able to provide information or data in accordance with the research. The results of this study indicate that gender equality in public services, especially the Agriculture Office of Enrekang District, has not yet become a reality. This is evidenced that the number of employees with a ratio of the number of men is 89 (66%) people and the number of women is 45 (34%) people. The results of interviews with the community showed that support for gender equality, women's freedom to express opinions and work outside, especially working at the Agriculture Office in Enrekang District. The implication of the study were expected to provide knowledge about gender equality in the profession and provided understanding to the public about the role of women in the community.

scholarly journals First-Time Voter Education Through the Democracy Volunteer Movement

2020 ◽  
Vol 4 (2) ◽  
pp. 60-68
Author(s):  
Suryanef Suryanef ◽  
Al Rafni
Keyword(s):  
Qualitative Method ◽  
Focus Group Discussions ◽  
Group Discussions ◽  
Target Groups ◽  
The Public ◽  
Education Model ◽  
First Time ◽  
Election Commission ◽  
Political Actions ◽  
Depth Interviews

Ahead of the 2014 election, the General Election Commission established a group of facilitators to educate the public about the election (voter education), called Democracy Volunteer (Relawan Demokrasi), in cities/regencies throughout Indonesia. Democracy Volunteer is a program aimed at increasing political participation and election quality. One of the target groups for the voter education is first-time voters. First-time voters are perceived to have distinctive political behavior; their political actions are qualitatively different from other segments of voters. They are also classified as the technology savvy generation. This paper intends to elaborate the Democracy Volunteers' efforts in implementing voter education for first-time voters, and reveal the most suitable voter education model for this segment of voters. The research used qualitative method through focus group discussions and in-depth interviews. The results show that a voter education model for first-time voters is needed in order that Democracy Volunteers carry out the voter education effectively in achieving the expected goals.

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