Analisis Manajemen Pembiayaan Murobahah BMT

WADIAH ◽  
2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Ryski Pebriana, Rofik Efendi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Field Research ◽  
Animal Husbandry ◽  
Muslim Community ◽  
Savings And Loans ◽  
Management Function ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business. Keywords : financing manajement, murabahah

scholarly journals Quotation/Parenthesis Qur’an Verse Before Beginning Deed In The Structure Of Notary Deed In Sharia Financial Institutions’ Contract

2019 ◽  
Vol 1 (1) ◽  
pp. 69-80
Author(s):  
Sandi Aji Usman ◽  
Rasiam Rasiam
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Financial Institution ◽  
Secondary Data ◽  
Research Data ◽  
Islamic Financial Institutions ◽  
Regulatory Approach ◽  
Qualitative Descriptive ◽  
Standard Structure ◽  
Contract Structure

Purpose - This research aims to reveal and describe the issue of Islamic financial institutions' contract structure, the practice of the Qur'an quotation/parenthesis in the notary deed structure in Sharia financial institutions ' contract.Method - The method used in this research is normative juridical, with the processing and analysis of data in a qualitative descriptive way, this research data is sourced from secondary data and supported by interviews from sources as supporting data Secondary. The approach is to study with the regulatory approach of legislation.Result - In Islamic Sharia or fatwa is not regulated about the structure of the deed on the deed authentic or under the hands, but which is governed only the principles or basic rules only. Structure of authentic deed made by notary official, especially the deed in financial institution that includes quotation of Qur'an verses using Indonesian language before deed title does not violate the provisions of UUJN.Implication - The absence of the form of the standard structure of sharia agreement both for sharia transactions and in particular sharia financial institutions should be the financial Services Authority in collaboration with the organization of Indonesian Notary Association (INI) who is already experts to Making authentic deed in the form of raw in accordance with UUNJ.Originality - The focus of this research is to reveal and describe the issue of Islamic financial institutions ' contract structure. 

scholarly journals Quotation/Parenthesis Qur’an Verse Before Beginning Deed In The Structure Of Notary Deed In Sharia Financial Institutions’ Contract

2019 ◽  
Vol 1 (1) ◽  
pp. 69
Author(s):  
Sandi Aji Usman ◽  
Rasiam Rasiam
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Financial Institution ◽  
Secondary Data ◽  
Research Data ◽  
Islamic Financial Institutions ◽  
Regulatory Approach ◽  
Qualitative Descriptive ◽  
Standard Structure ◽  
Contract Structure

<p class="IABSSS"><strong>Purpose</strong> - This research aims to reveal and describe the issue of Islamic financial institutions' contract structure, the practice of the Qur'an quotation/parenthesis in the notary deed structure in Sharia financial institutions ' contract.</p><p class="IABSSS"><strong>Method</strong><strong> </strong>- The method used in this research is normative juridical, with the processing and analysis of data in a qualitative descriptive way, this research data is sourced from secondary data and supported by interviews from sources as supporting data Secondary. The approach is to study with the regulatory approach of legislation.</p><p class="IABSSS"><strong>Result</strong><strong> </strong>- In Islamic Sharia or fatwa is not regulated about the structure of the deed on the deed authentic or under the hands, but which is governed only the principles or basic rules only. Structure of authentic deed made by notary official, especially the deed in financial institution that includes quotation of Qur'an verses using Indonesian language before deed title does not violate the provisions of UUJN.</p><p class="IABSSS"><strong>Implication</strong> - The absence of the form of the standard structure of sharia agreement both for sharia transactions and in particular sharia financial institutions should be the financial Services Authority in collaboration with the organization of Indonesian Notary Association (INI) who is already experts to Making authentic deed in the form of raw in accordance with UUNJ.</p><p class="IABSSS"><strong>Originality</strong> - The focus of this research is to reveal and describe the issue of Islamic financial institutions ' contract structure.</p><p align="center"> </p>

scholarly journals A Peer-to-Peer Lending Methods in Management of Zakat Funds through Sharia Financial Institutions

2019 ◽  
pp. 25-40
Author(s):  
Darlin Rizki
Keyword(s):  
Financial Institutions ◽  
Peer To Peer ◽  
Living Standards ◽  
Distribution Model ◽  
Indonesian Population ◽  
Average Person ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach ◽  
Peer Lending

The gap of living standards in society should be minimized through the potential of zakat in Indonesia. Indonesian population has recorded by the Central Bureau of Statistics, in March 2018 amounted to 265 million and was expected to reach 271 million by 2020, then the poor society in Indonesia  were 25.95 million people. Correspondingly, the dominance of Muslims in Indonesia makes zakat as a potential welfare instrument.The study was conducted by PIRAC noted that, the potential of Zakat funds amounting to 20 billion in Indonesia. Where the average person per year has the potential to spend Rp. 557.267. However, this potential has not been able to be achieved by BAZNAS. Many destitute and poor groups from year to year remain status as mustahik. Among the obstacles faced was located in the management and distribution of zakat funds. This study aims to examine the management and distribution model of ZAKAT through Islamic Financial Institutions (LKS) using Peer to Peer Lending (P2PL) methods. With a qualitative descriptive approach, zakat funds could be managed by LKS institutions with this method, because P2PL schemes are inclusive in managing zakat funds. In that management, the funds awere divided into two, namely consumptive and productive funds. By LAZ through LKS the productive funds were managed with management and products contained in the LKS. One of the supporting instruments is halal investment. By using methods P2PL investment, zakat funds can grow each month with little downside risk. In line with the development of the Financial Tecnogy (FinTech), LAZ with LKS can work together in the utilization of information technology to manage and distribute zakat funds to boost the economy and reduce mustahik in Indonesia. Keywords: P2PL, Zakat, Platform, Investment, LKS

scholarly journals MANAJEMEN PENDISTRIBUSIAN ZAKAT DI BADAN AMIL ZAKAT NASIONAL (BAZNAS) PROVINSI KALIMANTAN SELATAN

2019 ◽  
Vol 18 (1) ◽  
pp. 13
Author(s):  
Siti Rahmah ◽  
Jumi Herlita
Keyword(s):  
Field Research ◽  
Management Theory ◽  
Distribution Management ◽  
Management Function ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The management of zakat distribution is very important to ensure that the zakat funds obtained by amil are channeled to the maximum and on target in accordance with sharia principles. This study attempts to analyze the management of zakat distribution in BAZNAS, South Kalimantan Province, covering activities of planning, organizing, implementing / mobilizing, and monitoring the distribution of zakat. This type of research is field research with a qualitative descriptive approach. The results of the study show that BAZNAS of South Kalimantan Province has carried out the distribution management function in accordance with management theory and there are several supporting factors and constraints on the distribution of zakat.

scholarly journals Urgensi Fatwa DSN-MUI Mengenai Manajemen Risiko Pembiayaan Berbasis Syariah

2021 ◽  
Vol 15 (2) ◽  
pp. 201-220
Author(s):  
Tri Hidayati ◽  
Muhammad Syarif Hidayatullah
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Financial Services ◽  
Descriptive Analysis ◽  
Legal Research ◽  
Risk Management System ◽  
Technical Risk ◽  
Financing Risk ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive

Risk management at Islamic financial institutions is still implementing bank Indonesia (BI) and Financial Services Authority (OJK) policies which previously applied the same to conventional financial institutions. The perfection of the enforcement of sharia principles in sharia financing institutions is not enough only in the aspect of transactional mechanisms, it needs to be supported by a sharia-based risk management system. The focus of this research includes the characteristics of Islamic financing, juridical aspects in the principle of prudence, and an overview of the maslahah of the urgency of sharia-based risk management. This research is normative legal research using a statutory approach and a benefits approach with a qualitative descriptive analysis. The results of the discussion show that a dynamic system also needs to be supported by juridical aspects to provide the legal force with the realization of regulatory solidity. At this regulatory level, in addition to the regulations issued by the OJK, the DSN-MUI fatwa is also very necessary and has a very urgent position. Because financing risk management is also part of the sharia economy that must maintain sharia principles, lest the application of sharia principles only exists in product technicalities, but does not apply to technical risk management. The expected sharia is the application of total sharia principles (kaffah), not partial ones.

scholarly journals IMPLEMENTASI NILAI-NILAI ISLAM DI PT SJP

2020 ◽  
Vol 7 (11) ◽  
pp. 2236
Author(s):  
Najmah Su'ad ◽  
Suherman Rosyidi
Keyword(s):  
Financial Institutions ◽  
Research Method ◽  
Construction Sector ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Female Employees ◽  
Descriptive Approach ◽  
Islamic Values ◽  
Conventional Bank

ABSTRAKPenelitian ini bertujuan untuk memaparkan nilai-nilai Islam yang diterapkan di SJP, tantangan apa saja yang dihadapi dan menguak alasan masih digunakannya lembaga keuangan konvensional dalam operasinya. Dengan pendekatan kualitatif deskriptif, metode yang digunakan adalah studi kasus. Wawancara dengan pimpinan perusahaan dilakukan untuk memperoleh data utama dan hasilnya dibandingkan dengan hasil observasi, dokumentasi dan wawancara dengan karyawan. Hasil penelitian menunjukkan perusahaan yang bergerak di bidang konstruksi ini menerapkan nilai-nilai Islam dengan memperbolehkan karyawati membawa anak ke kantor, pembagian zakat, serta program kurban dan umrah. Selain itu, perusahaan membangun Rumah Quran dan menjadi donatur tetap di pesantren dan masjid sekitar perusahaan. Usaha untuk mengislamkan perusahaan tidak selalu mulus. Beberapa situasi memaksa perusahaan menggunakan produk bank konvensional. Dalam situasi lain, kekeliruan pandangan pimpinan perusahaan terhadap lembaga keuangan syariah membuat lembaga keuangan konvensional masih digunakan.Kata Kunci: Penerapan nilai-nilai Islam di Perusahaan, Lembaga Keuangan Syariah, Manajemen Islami, Indonesia ABSTRACTThis research aims to describe Islamic values implemented by PT SJP, the challenges, and the reasons why they still use conventional financial institutions in their performances. Research method used was case study with qualitative-descriptive approach. The interview result with the head of the company was compared to the results of observation, documentation, and interview with the employees. The results of the research indicated that this company which engaged in the construction sector has implemented Islamic values by allowing female employees bring their children to the office, distributing zakat, as well as holding qurban and umrah programmes. Furthermore, the company built Rumah Quran and becomes a permanent donor to several Islamic boarding schools and mosques around them. Numerous efforts that have been done to make the company have Islamic values do not always go well. Some situations urge the company to use conventional bank products. In another situation, misperception of the head of the company on Islamic financial institutions makes conventional financial institutions still used.Keywords:  Islamic values in company, Islamic financial institutions, Islamic Management, Indonesia

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 Peran Teknologi Pendidikan Pada Mata Pelajaran Matematika Kelas Iii Di Mi Ma’arif Pademonegoro Sukodono

2020 ◽  
Vol 1 (1) ◽  
pp. 124
Author(s):  
Nurdyansyah Nurdyansyah ◽  
Qorirotul Aini
Keyword(s):  
Education Technology ◽  
Field Research ◽  
Research Data ◽  
Class Iii ◽  
Data Presentation ◽  
Analysis Techniques ◽  
Qualitative Descriptive ◽  
Three Stages ◽  
Descriptive Approach ◽  
Mathematics Class

This study aims to determine the importance of technology role in Mathematics Class III in MI Ma'arif Pademonegoro, knowing the supporting factors and inhibiting factors in the application of Mathematics Class III in MI Ma'arif Pademonegoro.Tenelitian is a type of qualitative research using Qualitative descriptive approach and using field research methods (Field Research). Data collection techniques in this study using interviews, observation and documentation and analyzed by using triangulation analysis techniques consisting of three stages namely 1) data reduction, 2) data presentation, and 3) drawing conclusions.keyword: Education technology, Mathematic

scholarly journals Tradisi Reresik Sendang Masyarakat Wonosoco dalam Perspektif Ekoteologi Islam

FIKRAH ◽  
2019 ◽  
Vol 7 (2) ◽  
pp. 391
Author(s):  
Ahna Soraya
Keyword(s):  
Data Collection ◽  
Natural Environment ◽  
Field Research ◽  
Meeting Point ◽  
The People ◽  
Qualitative Descriptive ◽  
Descriptive Approach

<p class="07KatakunciKeywords">This study aims to determine the perspective of Islamic eco-theology in the Reresik Sendang tradition in Wonosoco Village. How the people of Wonosoco Village carry out, interpret, and how the Reresik Sendang tradition is seen from the perspective of Islamic eco-theology. This research uses a type of field research using a qualitative descriptive approach. Data collection techniques obtained through the results of observations, interviews, and documentation. The findings from this study indicate several important points: First, the tradition of Reresik Sendang is a form of effort by the people of Wonosoco Village in preserving the natural environment based on Islamic teachings. Secondly, in the implementation of the Reresik Sendang tradition, there are still rituals which are Hindu-Buddhist teachings. The community interpreted that the Sendang Reresik tradition is a form of gratitude to God Almighty, as well as a form of respect for the ancestors. Third, viewed from the perspective of Islamic eco-theology in the Reresik Sendang tradition in Wonosoco Village, there is a meeting point in it, which sees nature as a "sign" of God.</p>

scholarly journals Penutup Aurat bagi Perempuan Transgender dalam Hukum Islam

2021 ◽  
Vol 22 (2) ◽  
pp. 167
Author(s):  
Rahayu Irhami ◽  
M. Irfan Syaifuddin ◽  
Inggit Ayuning Pandini ◽  
Shuhita Endah Palupi
Keyword(s):  
Literature Review ◽  
Financial Institutions ◽  
Oil Palm ◽  
Islamic Law ◽  
Field Research ◽  
Factory Workers ◽  
Legal Principles ◽  
Nominal Form ◽  
Islamic Financial Institutions

AbstractThis study describes the review of Islamic law related to the sale and purchase of workdays conducted by factory workers Oil palm Fabrique in Simpang Nibung Rawas Village, South Sumatra Province. This paper is field research by interviewing 13 factory workers to get an overview of buying and selling working days. This study also uses a literature review from Islamic legal sources and MUI fatwas to explain the appropriateness of buying and selling working days with Islamic legal principles. In practice, buying and selling working days is not following the provisions of the MUI DSN Fatwa because the ujrah imposed on the seller is determined by one party, the buyer, and the amount of the ujrah is expressed in terms of percentage rather than in nominal form. Besides, there is a mechanism that causes the transaction to contain gharar elements such as the sale of working days that are not yet owned, and the presence of gharar elements creates a new element, namely usury. Sales of working days that are not yet owned by workers cause at the end of the agreement the seller is required to pay the principal receivables accompanied by profits determined by the buyer that can be equated with borrowing money with interest. This research suggests that factory workers borrow funds from Islamic financial institutions that are more in line with Islamic legal guidance This research suggests factory workers not to continue the practice of buying and selling weekdays because there are elements of gharar and usury in it and to consider Islamic financial institutions and zakat institutions as a solution for lending funds.AbstrakPenelitian ini menjelaskan mengenai kajian Hukum Islam terkait jual  beli hari kerja yang dilakukan oleh buruh pabrik CV. Sawit yang ada di DesaSimpang Nibung Rawas, Provinsi Sumatera Selatan. Penelitian menggunakan pendekatan penelitian lapangan (field research) dengan mewancarai 13 buruh pabrik untuk mendapatkan gambaran praktik jual beli hari kerja. Penelitian ini juga menggunakan literature review dari sumber-sumber hukum Islam dan fatwa MUI dalam menjelaskan kesesuaian praktik jual beli hari kerja dengan prinsip hukum Islam. Dalam praktiknya jual beli hari kerja tidak sesuai dengan ketentuan Fatwa DSN MUI karena ujrah yang dikenakan kepada penjual ditentukan oleh satu pihak yaitu pembeli dan besarnya keuntungan dinyatakan dengan bentuk prosentase dan bukan dalam bentuk nominal. Selain itu, terdapat alur mekanisme yang menyebabkan bahwa transaksi tersebut mengandung unsur gharar seperti penjualan hari kerja yang belum dimiliki, serta adanya unsur gharar tersebut menimbulkan unsur baru yaitu riba. Penjualan hari kerja yang belum dimiliki oleh buruh menyebabkan saat akhir perjanjian penjual diharuskan membayar pokok piutang disertai keuntungan yang di tentukan oleh pembeli yang dapat disamakan dengan peminjaman uang dengan bunga. Penelitian ini menyarankan para buruh pabrik untuk tidak melanjutkan praktik jual beli hari kerja karena terdapat unsur gharar dan riba yang diharamkan dalam Islam serta mempertimbangkan lembaga keuangan syariah dan lembaga zakat sebagai solusi peminjaman dana. 

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