scholarly journals Analisis Pendapatan Bagi Hasil Bank Syariah (Studi Pada PT. Bank Syariah XXX Cabang Bima)

2020 ◽  
Vol 8 (2) ◽  
pp. 44-49
Author(s):  
Hartoyo Hartoyo
Keyword(s):  
Business Model ◽  
Banking Sector ◽  
Rapid Development ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Case Study Approach ◽  
Banking Services ◽  
Study Approach ◽  
People’S Attitudes

Abstrak Perkembangan pesat sector perbankan syariah di Indonesia merupakan representasi dari sikap masyarakat yang membutuhkan layanan jasa perbankan yang sesuai dengan prinsip-prinsip syariah. Disisi lain banyak pertanyaan tentang kesesuaian model bisnis yang diterapkan oleh perbankan syariah dengan prinsip-prinsip syariah Islam. Penelitian ini bertujuan untuk menganalisis model bisnis bank syariah dari sisi system pendapatan bagi hasil yang diterapkan. Penelitian ini menggunakan pendekatan studi kasus di salah satu bank syariah di kota Bima, NTB. Hasil penelitian menunjukkan ada beberapa ketidaksesuaian dalam penerapan prinsip-prinsip syariah dalam model bisnis bank syariah, yaitu prinsip yadul amanah, biaya pengelolaan, pembagian keuntungan dan memudharabahkan  kembali harta mudharabah. Kata Kunci: pendapatan bagi hasil, prinsip syariah, bank syariah.   Abstract The rapid development of the sharia banking sector in Indonesia is a representation of people's attitudes in need of banking services that are in accordance with sharia principles. But, there are many questions about the suitability of the business model adopted by Islamic banking with Islamic sharia principles. This study aims to analyze the business model of Islamic banks in terms of revenue sharing systems that are applied. This study uses a case study approach in one of the Islamic banks in Bima, NTB. The results showed that there were some discrepancies in the application of sharia principles in the Islamic bank business model, namely the principle of yadul amanah, management costs, profit sharing and redistribution of mudharabah assets. Keywords: sharing revenue, sharia principle, sharia bank. 

scholarly journals PERBANDINGAN ALTERNATIF ASPEK PEMAJAKAN BAGI PENYEDIA LAYANAN OVER THE TOP ASING

2019 ◽  
Vol 1 (1) ◽  
pp. 10
Author(s):  
Hendrie Ardhiansyah ◽  
Nurhidayati Nurhidayati
Keyword(s):  
Information And Communication Technology ◽  
Communication Technology ◽  
Rapid Development ◽  
Digital Economy ◽  
Case Study Approach ◽  
Study Approach ◽  
Foreign Companies ◽  
Information And Communication ◽  
Over The Top

Over the years, the rise of digital economy has confused countries in their efforts to tax foreign companies without physically presence within their jurisdiction. One of the potential tax revenues that have not been optimally digging comes from the digital sector. The digital economy sector has enormous potential along with the rapid development of information and communication technology, especially the internet. This digital economy market is dominated by internet-based services commonly called Over The Top (OTT) services and is filled with global content owned by foreign companies. This article argues the provisions of taxation for foreign OTT lending providers in England, Australia, India, and Japan. This research used a qualitative non-case study approach. This study outlines the strengths and weaknesses of each alternative.

scholarly journals INTERNALISASI NILAI-NILAI KEADILAN DALAM PRAKTIK PEMBIAYAAN MUDHARABAH DAN DEPOSITO MUDHARABAH

2017 ◽  
Vol 2 (1) ◽  
Author(s):  
Dyah Ayu Perwitasari
Keyword(s):  
Qualitative Research ◽  
Business Ethics ◽  
Human Resources ◽  
Profit Sharing ◽  
Case Study Approach ◽  
Study Approach ◽  
Islamic Business Ethics ◽  
Five Elements ◽  
Principles Of Justice

ABSTRAK Penelitian ini bertujuan untuk mengeksplorasi dan menganalisis bentuk nilainilai keadilan dalam praktik pembiayaan mudharabah dan deposito mudharabah.Jenis penelitian ini merupakan jenis penelitian kualitatif dengan pendekatan studi kasus.Teknik pengumpulan data dilakukan melalui wawancara dan dokumentasi.Hasil penelitian ini menunjukkan bahwa BPRS Asri Madani Nusantara Jember belum sepenuhnya menerapkan kelima unsur keadilan dalam praktik pembiayaan mudharabah.Dari kelima prinsip tersebut, BPRS hanya menjalankan kedua prinsip keadilan, yaitu bentuk pelarangan haram dan maysir. Untuk memenuhi kelima prinsip keadilan tersebut, seharusnya seharusnya BPRS Asri Madani Nusantara menerapkan praktik pembiayaan mudharabah secara murni, dimana perhitungan bagi hasil dilakukan setelah proyek terealisasi, edukasi syari’ah secara itensif kepada mudharib, pihak manajemen melakukan pengawasan secara itensif terhadap usaha yang dijalankan mudharib, serta etika bisnis Islami yang harus dimiliki sumber daya manusia perbankan. Sedangkan pada praktik deposito mudharabah, BPRS ASRI Madani Nusantara Jember telah menerapkan kelima unsur keadilan yaitu bentuk pelarangan riba, gharar, maysir, dzulm dan haram dalam transaksi deposito mudharabah.Kata kunci: mudharabah, deposito mudharabah, keadilan ABSTRACT This study aims to explore and analyze the forms of fairness values in the practice of mudharabah financing and mudharabah deposits. This type of research is a type of qualitative research with case study approach. The results of this study indicate that this bank has not fully applied the five elements of justice in the practice of mudharabah financing. Of the five principles, BPRS only runs the two principles of justice, namely the form of prohibition of haram and maysir. In order to fulfill these five principles of justice, should the BPRS Asri Madani Nusantara apply pure mudharabah financing practices, where the profit sharing calculation is done after the project has been realized, the shari'ah education has been intensively to mudharib, the management supervises it intensely on the mudharibrun business, As well as Islamic business ethics that must be owned by human resources banking. While in practice mudharabah deposit, BPRS ASRI Madani Nusantara Jember has applied the five elements of justice that is the form of prohibition of riba, gharar, maysir, dzulm and haram in mudharabah deposit transaction.Keywords: mudharabah, mudharabah deposit, justice

Methodological Case Study Approach for Detecting Business Model Enablers in Copycat Ventures

2021 ◽  
Vol 11 (4) ◽  
pp. 35-54
Author(s):  
Christian Haertel ◽  
Matthias Pohl ◽  
Sascha Bosse ◽  
Robert Häusler ◽  
Abdulrahman Nahhas ◽  
...  
Keyword(s):  
Business Model ◽  
Success Factors ◽  
Business Models ◽  
Case Study Research ◽  
Case Study Approach ◽  
Risk Variant ◽  
Study Approach ◽  
Business Model Canvas ◽  
Methodical Approach

The approach of copying business models to create a successful company is discredited as non-innovative and propagated as a low-risk variant of entrepreneurship although a simple so-called copycat would only increase competition in the market and not guarantee success. Hence, the question of which characteristics of a business model enable success of such developed businesses arises. This paper presents a methodical approach to the analysis of enablers in business models based on case study research. With the validation of the approach using the business model canvas, a study among e-commerce companies is conducted, and success factors for copycats are identified. The methodological concept can also be applied to other industries and can deliver detailed results using more complex business model tools.

PROFIT AND RISK SHARING IN A VIRTUAL ENTERPRISE

2004 ◽  
Vol 01 (01) ◽  
pp. 75-92 ◽  
Author(s):  
JOUKO KARJALAINEN ◽  
TERO HAAHTELA ◽  
PEKKA MALINEN ◽  
VESA SALMINEN
Keyword(s):  
New Product Development ◽  
Risk Sharing ◽  
Virtual Enterprise ◽  
New Product ◽  
Profit Sharing ◽  
Shared Vision ◽  
Risk Attitudes ◽  
Case Study Approach ◽  
Study Approach

Organizations are increasing the use of partnerships but improved models addressing the sharing of profits and risks are needed to foster innovations in networked new product development. We have used a case study approach to explore the implementation of profit- and risk-sharing mechanisms in a virtual enterprise. Lack of a shared vision may have been the most important cause for the early decomposition of the virtual enterprise. Therefore, the trust did not start to accumulate during the cooperation. This would have been imperative for the implementation of profit sharing mechanisms, because risk attitudes seemed to favor hierarchical rewarding mechanisms.

scholarly journals INKLUSIFITAS DAKWAH AKUN @NUgarislucu DI MEDIA SOSIAL

2019 ◽  
Vol 4 (2) ◽  
pp. 183
Author(s):  
Ahmad Hidayatullah
Keyword(s):  
Social Media ◽  
Real World ◽  
Virtual World ◽  
Rapid Development ◽  
Case Study Approach ◽  
The Real ◽  
Study Approach

<p>The rapid development of technology implies inclusiveness in da'wah not only in real terms in the real world, but also in the virtual world. Some things that become considerations of the da'wah inclusiveness need to be applied, including the growth of radicalism through social media, then in 2015 a funny social media account @NUgaris emerged that intensely and consistently helped to color the virtual world. This type of research is qualitative with a case study approach. The authors explore the implementation of preaching inclusiveness through social media carried out by the above account. The results of the study show that there are three forms of the application of the inclusiveness of the @NUgarislucu account, namely: inclusiveness in doing da’wah to the internal citizens of NU (Nahdhiyin); inclusiveness in da'wah to internal Muslims who differ in manhaj (across mass organizations) in Indonesia; inclusiveness in da'wah to external Muslims, namely to other religions in Indonesia. The three forms of missionary inclusiveness are carried out through dialogue and humor.</p>

scholarly journals Pengikatan Jaminan Kebendaan dalam Kontrak Pembiayaan Muḍārabah sebagai Upaya Penyelesaian Sengketa Debitur Wanprestasi (Analisis Putusan Mahkamah Agung Nomor 272/K/AG/2015 tentang Pembiayaan Mudharabah)

2020 ◽  
Vol 14 (1) ◽  
pp. 51-67
Author(s):  
Mhd. Yadi Harahap
Keyword(s):  
Research Method ◽  
Research Question ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Case Study Approach ◽  
Study Approach ◽  
The Law

The imposition of collateral in muḍārabah financing contracts is a separate issue for Islamic banks even though in principle Islamic banks are not required to ask for collateral, but in practice, collateral is one of the elements that must be met by business actors in muḍārabah financing contracts. When the collateral is not applied, problems often arise in the case of debtor default. The problem in this study is whether the imposition of collateral can be used as an effort to resolve debtor disputes in muḍārabah financing contracts. To answer the research question, the method used is a normative juridical research method where the law is not only seen as law in books but also the law in action with the statutory approach and case study approach, namely the decision of the Mahkamah Agung. The results of the study presented that binding guarantees in muḍārabah financing contracts can be used as anticipation to minimize the risk of loss based on article 39 of Law no. 21 of 2008 concerning Islamic Banking. When the business actor defaults, neglects, and breaches the contract in muḍārabah financing, the guarantee can be used as an effort to mitigate the settlement of muḍārabah financing disputes to pay off obligations to Islamic banks.

scholarly journals The Contribution of Mass Organization to the Improvement of SMEs Business (A Case Study on KJKS Ankasa GP. Ansor of Pekalongan Regency)

2019 ◽  
pp. 180
Author(s):  
Jumailah Jumailah
Keyword(s):  
Social Activity ◽  
Profit Sharing ◽  
Financial Service ◽  
Case Study Approach ◽  
The Public ◽  
Study Approach ◽  
Mass Organization ◽  
The Subject ◽  
Service Purpose

This article aims to find out the contribution of mass organization to the improvement of SME business in KJKS Ankasa GP. Ansor of Pekalongan Regency. This study was a qualitative research with case study approach. The subject of research was Sharia-based Financial Service Cooperatives (Koperasi Jasa Keuangan Syariah, thereafter called KJKS) Ankasa, while the object was GP Ansor of Pekalongan Regency. The result of research showed that GP Ansor of Pekalongan Regency can empower the existing economic potency of members, by means of developing pro-people economy, establishing KJKS. The presence of KJKS can reduce unemployment rate, by providing funding help. The fund grant is given to the members having expertise (skill) but having no capital. To the public, this KJKS Ankasa is a means of providing capital, particularly to small-to-medium scale employers that facilitates them in the term of financing. To GP. Ansor, the presence of KJKS is beneficial to the distribution of fund for social activity (social service) purpose. KJKS Ankasa’s business activity includes financing, investment, and saving corresponding to profit sharing (sharia) pattern and aiming to achieve organizational independency.

scholarly journals Agent Banking and Financial Inclusion

2020 ◽  
Vol 11 (1) ◽  
pp. 127-141
Author(s):  
Nabila Nisha ◽  
Kashfiya Nawrin ◽  
Anika Bushra
Keyword(s):  
Developing Countries ◽  
Financial Services ◽  
Financial Inclusion ◽  
Rural Poor ◽  
Financial Deepening ◽  
Case Study Approach ◽  
Banking Services ◽  
Study Approach ◽  
Secure Access

Access to financial services has always been limited in Bangladesh. The need for financial inclusion has thus largely surfaced in the country. As a result, agent banking services were implemented via an inclusive digital financial program across rural and unbanked areas of Bangladesh. Despite having a significant impact upon financial inclusion across developing countries, literature in this realm lacks in-depth investigations on agent banking and its impact on financial inclusion. This study thus aims to represent the overall aspect of agent banking and its association with financial inclusion in the setting of the developing country of Bangladesh. For this research, a case study approach has been employed. The study highlights that agent banking is an effective and credible way of entrenching financial deepening across the unbanked areas of Bangladesh. Moreover, the study emphasizes that agent banking can secure access to financial services for the rural poor and generate wholesome development for Bangladesh.

scholarly journals Impact of Volatility and Spill over Effects over Banking Sector

2020 ◽  
Vol 22 (12) ◽  
Author(s):  
Mr. Abdullah Shadab ◽  
◽  
Dr Amit K Sinha ◽  
Dr Vinitendra P Singh ◽  
◽  
...  
Keyword(s):  
Banking Sector ◽  
Banking Industry ◽  
Qualitative And Quantitative Analysis ◽  
Case Study Approach ◽  
Indian Economy ◽  
Qualitative And Quantitative ◽  
Study Approach ◽  
Banking Institutions ◽  
The Impact

It is significant for banking institutions to comprehend the challenges associated with volatility and spillover, which the present study intends to identify and offer a significant recommendation on the basis of the Indian Economic sector. In relation to the context, this study highlights the impact of volatility and spillover the banking sector studies them on the context of Indian Economy in a comprehensive way. In addition, the use of qualitative and quantitative analysis through a case study approach has been considered for the study in order to accomplish the overall objective of the study. This study would contribute towards the economy of the India in terms of the banking industry by analysing the impact of volatility and spillover in a detailed manner. In relation to the scope of the present study, certain objectives of the research are sorted out. It will help to explore the requisite challenges associated with volatility and spillover on the Indian banking sector. It will also help to comprehend the influence of volatility and spillover on the banking sectors of India towards the Indian economy. It will offer related recommendations to the Indian banking institutions for mitigating the impact of volatility and spillover.

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