scholarly journals Analisis Kritis Atas Rendahnya Pembiayaan Berbasis Bagi Hasil Pada BMT di Jepara

2020 ◽  
Vol 3 (2) ◽  
pp. 141
Author(s):  
Fatkur Rohman Ahmad
Keyword(s):  
High Risk ◽  
Human Resources ◽  
Moral Hazard ◽  
Product Innovation ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Economic Welfare ◽  
Factors Influencing ◽  
Low Volume ◽  
Islamic Society

<p><em>T</em><em>he purpose of this study is to identify factors influencing the low volume of profit sharing-based financing products of BMT Jepara. This study uses interviews with several related parties, including: the academician, practitioners, and customers. The problem of low profit sharing-based financing products in this study is viewed from three aspects: internal,  external, and regulation aspects. Based on the results of the study, from the internal aspect of BMT, the problem of profit sharing-based financing productst is caused by six factors, namely: High risk, Lack of quality and quantity of Human Resources, Complicated handling, No product innovation, Asymmatric information, and Lack of socialization. Meanwhile, the external aspects of BMT is caused by three factors, namely: Moral hazard, Lack of community’s knowledge on Islamic banking products, and Low of demand. Finally, from the aspect of the regulation, the low profit sharing-based financing products caused by lack of support from the regulator. Based on the results of this study, BMT is expected to develop and innovate its products in order to minimize the risk, as well as to socialize  to  the  community  so  that  people  know  the  products  of  BMT.  To  the customers of BMT are expected to better understand   products of the Syariah Banking. The Regulators are expected to regulate supporting policies to encourage the  growth of profit sharing-based financing products so that the Islamic Bank would enhance the  economic welfare of the Islamic society in the future.</em></p>

scholarly journals The Reluctance Phenomenon of Islamic Banks to Offer Profit-Loss Sharing Financing

JEJAK ◽  
2020 ◽  
Vol 13 (2) ◽  
pp. 242-264
Author(s):  
Sabrina Sabrina ◽  
M. Shabri Abd Majid
Keyword(s):  
High Risk ◽  
Asymmetric Information ◽  
Human Resources ◽  
Product Innovation ◽  
Islamic Banking ◽  
Theory Approach ◽  
Islamic Banks ◽  
The Public ◽  
Low Volume ◽  
Grounded Theory Approach

This study contributes to the existing literature on the phenomenon of lower valume of Profit-Loss Sharing (PLS)-based products offered by Islamic banks by comprehensively discussing and analyzing the issue from the internal, external, and regulation perspectives, taking the case of PT. Bank Aceh Syariah (BAS) in Indonesia. Using a grounded theory approach, this study interviews selected informants who are knowledgeable in Islamic economics, banking, and financial theories and practices, including experts, practitioners, customers, and regulators. Viewed from three aspects, namely: internal, external, and regulation, the study found that, from the internal aspect, the problem of the low volume of PLS-based financing products is caused by six factors, namely: high risk, lack of quality and quantity of human resources, complicated handling, lack of banking product innovation, asymmetric information, and lack of socialization. Meanwhile, from the external aspects, it is caused by three factors, namely: moral hazard, lack of community's knowledge of Islamic banking products, and low demand. Finally, from the aspect of the regulation, it is caused by a lack of supportive regulation. By tackling these issues, it is believed that the Islamic bank could offer more PLS-based products that finally contribute to the prosperity of the public.

AGENCY PROBLEM DALAM PENERAPAN PEMBIAYAAN AKAD MUDHARABAH PADA PERBANKAN SYARIAH

ALQALAM ◽  
2016 ◽  
Vol 33 (1) ◽  
pp. 46
Author(s):  
Aswadi Lubis
Keyword(s):  
High Risk ◽  
Asymmetric Information ◽  
Human Resources ◽  
Moral Hazard ◽  
Adverse Selection ◽  
Agency Problem ◽  
Agency Problems ◽  
Islamic Banking ◽  
The Public

The purpose of writing this article is to describe the agency problems that arise in the application of the financing with mudharabah on Islamic banking. In this article the author describes the use of the theory of financing, asymetri information, agency problems inside of financing. The conclusion of this article is that the financing is asymmetric information problems will arise, both adverse selection and moral hazard. The high risk of prospective managers (mudharib) for their moral hazard and lack of readiness of human resources in Islamic banking is among the factors that make the composition of the distribution of funds to the public more in the form of financing. The limitations that can be done to optimize this financing is among other things; owners of capital supervision (monitoring) and the customers themselves place restrictions on its actions (bonding).

scholarly journals Analisis Jaminan Dalam Akad-Akad Bagi Hasil (Akad Mudharabah dan Akad Musyarakah) Di Perbankan Syariah

2021 ◽  
Vol 4 (1) ◽  
pp. 1
Author(s):  
Aufa Islami
Keyword(s):  
Moral Hazard ◽  
Financial Institutions ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Breach Of Contract ◽  
Normative Approach ◽  
For Profit ◽  
Islamic Financial Institutions

This research is entitled Analysis of Guarantees in Profit Sharing Contracts (Mudharabah and Musyarakah contracts) in Islamic banking. This research was conducted with the aim of analyzing the guarantees contained in profit sharing contracts including the Mudharabah contract and the Musyarakah contract in Islamic Banking. This article research uses a normative approach. The normative approach is used for research from the perspective of fiqh muamalat regarding the position of the guarantee in the profit sharing contract. From this research it can be concluded that basically there is no guarantee for profit sharing contracts, such as mudarabah and musyarakah, except as a guarantee of the possibility of moral hazard being carried out by the contract partners. In practice, Islamic financial institutions, especially Islamic banking, always withdraw material guarantees for the profit sharing contracts they cover with their partners (customers). However, it must be remembered that the withdrawal of the material guarantee must be limited to cases where there is a loss due to unlawful acts, negligence or default by the customer. In the event that the loss occurs beyond the customer's fault, negligence or breach of contract, the guarantee may not be executed.

scholarly journals The Importance of Good Customer Ethics in Improving The Financing Portion of Mudharabah

2016 ◽  
Vol 4 (1) ◽  
pp. 015
Author(s):  
Khotibul Umam
Keyword(s):  
Asymmetric Information ◽  
Business Ethics ◽  
Moral Hazard ◽  
Adverse Selection ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Islamic Bank ◽  
Bank Financing

Mudharabah is a partnership contract (reputation agreement) in which one party (shahibul maal) will give his property to another party (mudharib) as productive business capital  with profit sharing between the owner of the funds/capital based on the agreed ratio in advance. In practice, the application of financing mudharabah is not easy to be implemented in Islamic banking because financing mudharabah will make the asymmetric information between the customer and Islamic banking. Mudharabah client have more information than Islamic banking about all of that business.  Asymmetric information sometimes can make the costumer do the moral hazard and adverse selection acts with the result that Islamic banking didn't take that risk and make the distribution of mudharabah financing portion becomes very small when compared to the total number of Islamic bank financing. Mudharabah Customers must have a good business ethics and always have advanced principle of honesty, trustworthy and transparent in managing shahibul maal funds in orther to they can minimize the risk of financing mudharabah and make Islamic banking be confident to grant the decision of financing mudharabah.

scholarly journals Aplikasi Pembiayaan di Bank Syari’ah

2020 ◽  
Vol 4 (2) ◽  
pp. 217-233
Author(s):  
Ahmad Dahlan
Keyword(s):  
Asymmetric Information ◽  
Human Resources ◽  
Moral Hazard ◽  
Adverse Selection ◽  
Profit Sharing ◽  
Capitalist System ◽  
Information Problem ◽  
Sociological Aspect

The aplication of Syari’ah bank financial which is based on profit and loss sharing, known as margin profit sharing, seems facing many challenges. From the financing side, the obstacles are asymmetric information problem, side streaming, adverse selection, and moral hazard. The indirect obstacles are the sociological aspect, such as a domination of capitalist system in banking and the non optimum human resources.

scholarly journals Quo Vadis, Islamic Banking? Literature Study on Islamic Commercial Banks and Sharia Business Units in Indonesia

2020 ◽  
Vol 11 (4) ◽  
pp. 47
Author(s):  
Tita Djuitaningsih
Keyword(s):  
Human Resources ◽  
Commercial Banks ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Real Sector ◽  
Literature Study ◽  
Business Units ◽  
Quo Vadis ◽  
The Government

This paper aims to describe the condition of the financing portfolio in Islamic banking that is not following its characteristics, namely profit sharing; identify the cause and contribute to the solution of the problem. The dominance of murabahah financing is shown in proportion to the position on January 31, 2017, which reached 60% of total financing. The macro impact of the domination of murabahah transactions is that the monetary sector moves faster than the real sector which can ultimately lead to an economic crisis. Micro-impact, murabahah financing tends to encourage individual society to be consumptive because the purpose of this financing is more for consumptive matters, while profit-based financing will encourage individuals to be productive because profit-based financing is definitely intended to finance productive things. Broadly speaking, the problem needs to be addressed through two things. The first solution comes from the Government in the form of the availability of supporting institutions and regulations that are conducive to increasing the portfolio of profit-based financing. The second solution is sourced from Islamic banking itself in the form of an increase in the quantity and quality of Islamic human resources in the form of massive but highly selective recruitment and providing training to increase understanding of the concept of Islamic sharia and sharia banking practices in a professional manner.

An empirical study on factors influencing level of employee engagement with reference to select organization

GIS Business ◽  
2019 ◽  
Vol 14 (4) ◽  
pp. 109-114
Author(s):  
Dr. Srikrishna Gade ◽  
Lavanya. K
Keyword(s):  
Human Resources ◽  
Employee Engagement ◽  
Employee Development ◽  
Management Theory ◽  
Work Place ◽  
Development Programs ◽  
Great Work ◽  
Factors Influencing ◽  
Positive Action ◽  
Efficiency And Productivity

There is no exact definition for the term Employee engagement yet. The term Employee engagement means that the employee feel the belongingness towards the organization always strives to the growth of their organization. An Engaged employee means one who fully enthusiastic about their work and takes positive action for organizations reputation and interests. Employee engagement first appeared as a concept in management theory in 1990s. Employee engagement practices are well established in the management of human resources. An organization with high employee engagement might have higher productivity than the organizations having less employee engagement level employees. Whereas employee engagement is directly proportional to the organizations productivity as higher the engagement level of employee results higher efficiency and productivity. Also the employee engagement may directly or indirectly relate to the job satisfaction or morale of employee. By understanding the importance of employee engagement many organizations are doing engagement practices such as providing great work place culture, employee development programs to enhance the engagement level of employee to raise productivity and daily performances.

Muhammad Nejatullah Siddiqui. Issues in Islamic Banking: Selected Papers, Leicester: The Islamic Foundation. 1983 , I 52pp.Author and Subject Indexes.

1983 ◽  
Vol 22 (1) ◽  
pp. 57-61
Author(s):  
Shahrukh Rafi Khan
Keyword(s):  
Analytical Model ◽  
Significant Contribution ◽  
Profit Sharing ◽  
Islamic Banking ◽  
Current State ◽  
The Subject ◽  
Made In

The book under review is a compilation of the author's articles and lectures that highlight the prominent developments in the literature on the subject of Islamic banking and inform the reader of the current state of debate on it. One of the earliest and main contributors to this topic is the author himself. The focus of this review will mainly be on "Economics of Profit-Sharing", which is the title of the fourth chapter of the book and is among his latest contributions. This chapter is a significant contribution as it is the first attempt to formalise the concept of profit sharing into an analytical model and, therefore, demands closer scrutiny. However, in the remaining chapters of the book, the author has drawn attention to some of the fine points made in the literature on this topic. Since some of these points appear to be controversial to me, I will briefly discuss them before moving on to the analytical chapter of the book.

Paradigma Baru Konsep Pendidikan Islam Perspektif Syeikhul Islam Ibn Taimiyah

KUTTAB ◽  
2017 ◽  
Vol 1 (2) ◽  
pp. 126-133
Author(s):  
Achmad Fageh
Keyword(s):  
Human Resources ◽  
Philosophy Of Education ◽  
Islamic Education ◽  
Education Students ◽  
Islamic Studies ◽  
Education Philosophy ◽  
Complex Problems ◽  
Purpose Of Education ◽  
Strategic Role ◽  
Islamic Society

Islamic education is one field of Islamic studies who received a lot of attention from scientists. This is because in addition to a very strategic role in order to enhance human resources, as well as in Islamic education there are a variety of complex problems. Ibn Taymiyyah for example, he was known as a scholar, thinker and politician. The thinking in the field of education is a response to the various problems facing the Islamic society that demands split logically through education. Philosophy of education, he said, should be built on the foundation of monotheism, the belief in the oneness of God. Monotheism which is the basis of education include; rububiyah monotheism, monotheism asthma wa uluhiyah and nature. Based on the insights of faith is then Ibn Taymiyyah describes the purpose of education, students, teachers, curriculum and so on.

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