Pengembangan Sumber Daya Insani Di Lembaga Keuangan Islam

2016 ◽  
Vol 1 (1) ◽  
pp. 140-151
Author(s):  
Mohammad Afif
Keyword(s):  
Human Resources ◽  
Human Nature ◽  
Financial Institutions ◽  
Financial Institution ◽  
Muslim Country ◽  
Human Resources Planning ◽  
The World ◽  
Islamic Financial Institutions ◽  
Resources Planning ◽  
Rules Set

Islamic financial institutions began to flourish in Indonesia. Naturally there is a demand for creating human resources with good morality and professional in carrying out its duty, mission and vision. Talking about human resources, in fact, we can see from two aspects, namely the quantity and quality. Islamic financial institution requires two aspects. Islamic financial institutions will exist when supported by adequate human resources for the development, which is actually Indonesian with the biggest Muslim country of in the world, so that the market share for Islamic financial Institution is very potential. Therefore, it is ironic if the Islamic financial institution can not flourish in Indonesia. It is necessary for strategic steps in the establishment of the Islamic financial Institutions. Thus, Islamic character of this vision is a solution that is a manifestation of human nature as a creature of Allah, who is in every movement and steps always use the rules set by Allah. The occurrence of fraud by operators of Islamic financial institutions because he is out of the nature of faith and choose the wrong path. So it is important for a leader being model, to pay attention, oversee, audit and punish managers who disapprove his nature, both in financial terms and non financial problems. Founder, trustees, managers may commit violation because of unlimited power, due to excessive power. Excessive confidence sometimes opens human opportunities to get out of the nature of faith. This article will try to explain the development of human resources in Islamic financial institutions, which includes the importance of human resources planning, the principles of employees planning in Islamic financial institutions, the process of human resources planning in Islamic financial institutions, the values ​​of recruitment, the stages of recruitment, the technique of potential seeking in recruitment, and so forth

scholarly journals Pengembangan Sumber Daya Insani Di Lembaga Keuangan Islam

2016 ◽  
Vol 1 (1) ◽  
Author(s):  
Mohammad Afif
Keyword(s):  
Human Resources ◽  
Human Nature ◽  
Financial Institutions ◽  
Financial Institution ◽  
Muslim Country ◽  
Human Resources Planning ◽  
The World ◽  
Islamic Financial Institutions ◽  
Resources Planning ◽  
Rules Set

Islamic financial institutions began to flourish in Indonesia. Naturally there is a demand for creating human resources with good morality and professional in carrying out its duty, mission and vision. Talking about human resources, in fact, we can see from two aspects, namely the quantity and quality. Islamic financial institution requires two aspects. Islamic financial institutions will exist when supported by adequate human resources for the development, which is actually Indonesian with the biggest Muslim country of in the world, so that the market share for Islamic financial Institution is very potential. Therefore, it is ironic if the Islamic financial institution can not flourish in Indonesia. It is necessary for strategic steps in the establishment of the Islamic financial Institutions. Thus, Islamic character of this vision is a solution that is a manifestation of human nature as a creature of Allah, who is in every movement and steps always use the rules set by Allah. The occurrence of fraud by operators of Islamic financial institutions because he is out of the nature of faith and choose the wrong path. So it is important for a leader being model, to pay attention, oversee, audit and punish managers who disapprove his nature, both in financial terms and non financial problems. Founder, trustees, managers may commit violation because of unlimited power, due to excessive power. Excessive confidence sometimes opens human opportunities to get out of the nature of faith. This article will try to explain the development of human resources in Islamic financial institutions, which includes the importance of human resources planning, the principles of employees planning in Islamic financial institutions, the process of human resources planning in Islamic financial institutions, the values of recruitment, the stages of recruitment, the technique of potential seeking in recruitment, and so forth. Keywords: Islamic financial institution, Human resources

scholarly journals Pengelolaan Sumber Daya Insani dalam Memasarkan Produk dan Jasa Lembaga Keuangan Syariah

2019 ◽  
Vol 5 (1) ◽  
pp. 1-10
Author(s):  
Melis Melis
Keyword(s):  
Human Resources ◽  
Financial Institutions ◽  
Financial Institution ◽  
Islamic Banks ◽  
Islamic Financial Institutions ◽  
Good For

This research discusses the management of human resources in marketing the products and services of Islamic financial institutions. The results of this study prove that Islamic banks and financial institutions in Indonesia are developing very fast. However, the image of banks and Islamic financial institutions in Indonesia is not good. For this reason, several policies in managing Islamic financial institutions need to be addressed. One of them is the aspect of human resources. An employee of a bank and an Islamic financial institution that is accepted must have a good personality, an expert in muqalah fiqh, knowledge of Islamic financial institutions, computers / IT and so on. They must be people who support strongly to practice Islamic economics in their lives.  

scholarly journals QARDHUL HASAN DALAM PERSFEKTIF HUKUM ISLAM PADA BAITUL MAAL WA TAMWIL (BMT) DAN IMPLEMENTASINYA

2019 ◽  
Vol 1 (1) ◽  
pp. 44-58
Author(s):  
Muhamad Bisri Mustofa ◽  
Mifta Khatul Khoir
Keyword(s):  
Financial Institutions ◽  
Islamic Law ◽  
Financial Institution ◽  
Social Institution ◽  
Small Communities ◽  
Economic Law ◽  
Potential Source ◽  
Islamic Financial Institutions

Abstract In the implementation of Islamic Financial Institutions such as the Baitul Maal wa Tamwil (BMT) there are various ways of collecting funds and channeling funds. Funds are collected through wadi'ah deposits and deposits. While the distribution of funds is done by murabahah, mudharabah, musyarakah, rahn (pawn), ijarah, ijarah multijasa and qardhul hasan financing. Qardhul Hasan's financing is the orientation of the function of the Islamic Financial Institution (Baitul Maal Wa Tamwil) as a social institution. Qardhul hasan is a soft loan given on the basis of mere social obligations. In this case the borrower is not required to return anything except the amount borrowed. In Qardhul Hasan financing there are pillars and conditions, namely the perpetrator of the contract consisting of muqtaridh (borrower), muqridh (lender), qardh (fund), shighat ijab and qabul willingness for both parties and funds used for something useful and lawful. Qardhul Hasan is an activity to achieve a predetermined goal or target by the relevant Islamic financial institutions. The mechanism for implementing Qardhul Hasan is solely aimed at providing assistance to meet the needs of small communities. Thus it can be seen that the form of borrowing through Qardhul Hasan is in accordance with the principles of sharia economic law, the potential source of Qardhul Hasan's funding is quite large if it is utilized and managed optimally and its implementation is very useful for the community. Keywords: Qardhul Hasan, Islamic Law, BMT

scholarly journals Towards New Sharia Governance for Islamic Financial Institutions

2021 ◽  
Vol 18 (1) ◽  
pp. 39-58
Author(s):  
Abdulazeem Abozaid
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Financial Institution ◽  
Islamic Banking ◽  
Banking And Finance ◽  
Finance Industry ◽  
Regulatory Authorities ◽  
Governance Model ◽  
Islamic Financial Institutions ◽  
Shariah Governance

Since its inception a few decades ago, the industry of Islamic banking and finance has been regulating itself in terms of Sharia governance. Although some regulatory authorities from within the industry, such as Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) and Islamic Financial Services Board (IFSB), the Islamic banking and finance industry remains to a great extent self-regulated. This is because none of the resolutions or the regulatory authorities' standards are binding on the Islamic financial institution except when the institution itself willingly chooses to bind itself by them. Few countries have enforced some Sharia-governance-related regulations on their Islamic banks. However, in most cases, these regulations do not go beyond the requirement to formulate some Sharia controlling bodies, which are practically left to the same operating banks. Furthermore, some of the few existing regulatory authorities' standards and resolutions are conflicted with other resolutions issued by Fiqh academies. The paper addresses those issues by highlighting the shortcomings and then proposing the necessary reforms to help reach effective Shariah governance that would protect the industry from within and help it achieve its goals. The paper concludes by proposing a Shariah governance model that should overcome the challenges addressed in the study.Pada awal berdiri, Lembaga Keuangan Syariah merupakan lembaga keuangan yang menerapkan Hukum Syariah secara mandiri dalam sistem operasionalnya. Ia tidak tunduk pada peraturan lembaga keuangan konvensional, sehingga dapat terus berkomiten dalam menerapkan Hukum Syariah secara benar. Selanjutnya, muncullah beberapa otoritas peraturan yang berasal dari pengembangan Lembaga Keuangan Syariah. Diantaranya adalah Islamic Financial Services Board (IFSB) dan Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI). Hal ini tidak menyimpang dari kerangka peraturan Hukum Syariah, sebab standar peraturan dan keputusan yang dikeluarkan ditujukan khusus untuk Lembaga Keuangan Syariah saja. Beberapa Negara telah menerapkan peraturan tata kelola Hukum Syariah pada Bank Syariah mereka. Namun dalam banyak kasus, peraturan yang diterapkan tidak mampu mengontrol Lembaga Keuangan Syariah tersebut secara penuh. Sehingga, secara praktis proses pengawasan diserahkan kepada lembaga keuangan yang beroperasi. Akan tetapi, beberapa standar dan keputusan yang dikeluarkan oleh sebagian pemangku kebijakan bertentangan dengan keputusan yang dikeluarkan oleh beberapa akademi Fiqh. Artikel ini ditulis untuk menyoroti permasalahan yang timbul pada tata kelola Lembaga Keuangan Syariah, khususnya kekurangan yang tampak pada sistem tata kelola. Kemudian, penulis akan mengajukan usulan tentang efektifitas tata kelola Lembaga Keuangan Syariah yang bebas dari permasalahan.

scholarly journals Penerapan Akad Mudharabah Mutlaqah Pada Tabungan Mabrur Untuk Biaya Perjalanan Ibadah Haji

2021 ◽  
Author(s):  
Ida Safitri ◽  
Rachmad Risqy Kurniawan
Keyword(s):  
Financial Institutions ◽  
The World ◽  
Islamic Financial Institutions

Hajj is one of the pillars of Islam that must be believed and carried out by every Muslim who meets the mandatory requirements which will complete the fifth pillar of Islam. Indonesia is the largest contributor to the Hajj pilgrims in the world, so the National Sharia Council provides an opportunity for Islamic Financial Institutions to respond to the needs of the community in various products. Bank Syariah Mandiri is one of the Islamic financial institutions that provides services for the pilgrimage by using a system that can relieve customers, namely mabrur savings. This savings account aims to provide convenience for prospective Hajj pilgrims by using some of their money so that they can carry out the costs of the pilgrimage.

scholarly journals PENYELESAIAN UTANG IMPOR, JU’ALAH DAN SERTIFIKAT BANK INDONESIA SYARIAH (SBIS) PERSPEKTIF FATWA DSN-MUI

2018 ◽  
Vol 2 (2) ◽  
pp. 217-225
Author(s):  
Khozainul Ulum
Keyword(s):  
Financial Institutions ◽  
Commercial Banks ◽  
Financial Institution ◽  
Letter Of Credit ◽  
The Public ◽  
Islamic Financial Institutions ◽  
Monetary Control ◽  
Debt Repayment ◽  
Level Of Risk

Sharia financial Institution is one of the economic supporters of Indonesia. It is evidenced by the number of Islamic financial institutions that have sprung up this year, both sharia bank and non-bank sharia financial institution. It accommodates the aspiration and need of the society. The public is given the widest opportunity to establish a bank based on sharia principles, including convert from commercial banks whose business activities are based on conventional patterns into sharia patterns. The more sharia financial institutions that emerge, the more products offered by Islamic financial institutions to customers with the level of risk that can be overcome. The writing aims to answer the formulation of problem of settlement of import debts, contract of ju’a>lah and Sharia Certificate of Bank Indonesia (SBIS) in perspective of DSN-MUI fatwa. The result of research shows that in the DSN-MUI fatwa, it is explained that the settlement of imported debt or we know as letter of credit (L/C) may use the kafa>lah contract by taking a fee. It is also explained that one of the forms of kafa>lah contract is kafa>lah bi al-ma>l which is the application of kafa>lah contract which guarantees the payment of goods or debt repayment. This guarantee may be provided by the sharia bank to its customers in return for a fee. For the settlement of import debt there are several contracts that can be used, namely the contract of h}iwa>lah bi al-ujrah, waka>lah bi al-ujrah, and kafa>lah bi al-ujrah The Sharia Certificate of Bank Indonesia which used to be wadi>’ah with Wadi>’ah Certificate of Bank Indonesia which is now changed with Sharia Certificate of Bank Indonesia uses ju’a>lah contract. In this contract, Bank Indonesia pays the repayment upon maturity of SBIS with the relevant sharia banking record having performed and achieving the objectives expected by Bank Indonesia. If the sharia banking concerned is not able to achieve the desired objectives or stipulated by Bank Indonesia in terms of monetary control based on sharia principles, the relevant sharia banking will not receive any compensation from Bank Indonesia.

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