scholarly journals Kesesuaian Fatwa DSN MUI No. 4 Tahun 2000 Pada Pembiayaan Murabahah di Bank Syariah Mandiri KCP Padang Panjang

2020 ◽  
Vol 4 (2) ◽  
pp. 208
Author(s):  
Rahmat Firdaus ◽  
Melisantri Okvita
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Field Research ◽  
Research Field ◽  
Islamic Banks ◽  
Library Research

<p><em>The purpose of this research is to find out and to analyze the implementation of murabahah financing at Bank Syariah Mandiri KCP Padang Panjang its conformity with the DSN MUI Fatwa Number four of two thousand. This type of research is field research field research and library research research. The research method used is a qualitative method. Data collection techniques are observation, interview and documentation. The results of this study indicate that in the general provisions of Islamic banks that the bank buys the goods needed only on behalf of the bank itself and the purchase must be separate and have personal limitations. However, in practice, it is found that the bank provides money to customers to buy one of the items needed on behalf of the bank using an installment system based on the amount and time determined by the bank. in is allowed by the clerics on the condition that the bank authorizes the customer to buy goods under the murabahah bil wakalah contract. However, according to the author's opinion, there is no conformity of the DSN-MUI fatwa regarding murabahah with its</em><em> practice at Bank Syariah Mandiri KCP Padang Panjang.</em></p><p><em><br /></em></p><p>Tujuan dalam penelitian ini adalah untuk mengetahui dan menganalisis pelaksanaan pembiayaan murabahah pada Bank Syariah Mandiri KCP Padang Panjang kesesuaiannya dengan Fatwa DSN MUI No. 4 Tahun 2000. Jenis penelitian adalah penelitian lapangan <em>field research</em>. Metode penelitian yang digunakan adalah metode penelitian kualitatif. Teknik pengumpulan data adalah observasi, wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwasannya dalam ketentuan umum fatwa murabahah di bank syariah yaitu bank membeli barang yang dibutuhkan nasabah atas nama bank sendiri dan pembelian harus sah dan bebas riba. Akan tetapi pada prakteknya dilapangan adalah bank memberikan uang kepada nasabah untuk membeli salah satu barang yang dibutuhkan atas nama bank dengan sistem angsuran berdasarkan jumlah dan waktu yang telah ditetapkan oleh bank. Hal ini dibolehkan oleh ulama dengan ketentuan pihak bank menguasakan kepada nasabah untuk membeli barang dengan akad <em>murabahah bil wakalah</em>.</p>

AKAD FINANCING OF MURABAHAH BETWEEN CUSTOMERS WITH MUAMALAT BANKS HARKAT VIEWED FROM SHARI'AH PRINCIPLES

2020 ◽  
Vol 10 (1) ◽  
pp. 13-26
Author(s):  
Candra Irawan ◽  
Adi Bastian ◽  
Febrozi Rohadi
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Research Method ◽  
Economic Condition ◽  
Field Research ◽  
Comprehensive Analysis ◽  
Islamic Banks ◽  
Legal Research ◽  
Trading System ◽  
Library Research

Currently in Indonesia Islamic Bank has gained a place and interested in the community, causing many emerging Syari'ah Bank and Financial Institutions of the syari'ah, and products in Islamic banks are widely used is murabahah financing. The formulation of the problem in this research are: (1). How is the implementation of the sale and purchase through murabahah financing between Bank Muamalat Harkat with customers. (2). Is trading system murabahah financing between Bank Muamalat Harkat and customers have been according to the principles of Syari’ah. (3). How murabahah financing efforts to resolve the breach between the customer and Muamalat Harkat. This research method is empirical legal research, this study was conducted in Bank Muamalat Harkat based data collection through field research such as interviews, observation and description as well as information from respondents through library research. The results of this research are: before an agreement Bank to assess carefully the prospective customer in the form of a comprehensive analysis and is divided into several stages, such as the assessment using the principle of 5C Character (Character of the debitor), Chapacity (Capability Candidate Debitor) , Capital (Capital candidate Debitor), Collateral (Collateral candidate Debitor) and Condition of economy (economic condition of the prospective Borrower). Trading system murabahah financing between Bank Muamalat Harkat with the customer has not fully based on the principles of the Syari'ah. Murabahah financing efforts to resolve the defaults can be solved by R3 is Restrukturing (Arrangement Back), Reconditioning (Terms Back) and Rescheduling (rescheduling), sales collateral and auction execution. 

scholarly journals ANALISIS STRATEGI MARKETING LAYANAN PAYROLL (Studi Kasus Bank BNI Syariah KCP Jababeka-Cikarang)

2021 ◽  
Vol 6 (01) ◽  
pp. 65-76
Author(s):  
Riski Ardianto ◽  
Listian Achmad ◽  
Ria Kurniawati
Keyword(s):  
Data Collection ◽  
Financial Management ◽  
Field Research ◽  
Research Process ◽  
Research Field ◽  
Management Service ◽  
Islamic Banks ◽  
Product Price ◽  
Market Strategy ◽  
Library Research

In recent years, Islamic banking has experienced positive developments. With a situation like this, conventional banking will face new competition with the presence of Islamic banks. The competition is in its products, one of which is a payroll service product that can help a companies or institutes pay its employees en masse and efficiently at one time. At this time not only conventional banks have payroll service products, Islamic banks also have payroll service products that can meet the needs of companies or institutes in managing finances whose operating processes are adjusted to Islamic sharia principles.   This study aims to determine the marketing strategies implemented in BNI Syariah, know the concept of the system of marketing payroll service product in BNI Syariah KCP Jababeka-Cikarang and find out obstacles faced by BNI Syariah in implementing the marketing the market strategy of its products. This study uses a qualitative approach, namely field research and library research. Field research, namely data collection techniques with the method of observation, interviews and documentation with marketing staff and customers of BNI Syariah KCP Jababeka-Cikarang so as to get accurate data in the research process. And library research, namely data collection techniques using written sources. Through interviews and observation it can be seen that the marketing strategy carried out by BNI Syariah KCP Jababeka-Cikarang in marketing their Payroll Service products is by using the Marketing Mix 7P (Product, Price, Place, Promotion, People, Process, Physical Evidance), and the concepts applied in its marketing in the form of needs, wants, demands, products, value, costs, satisfaction, exchange and markets. And the type of payroll system used is BNIDirect which is one of a number of financial management service provided by BNI Syariah KCP Jababeka-Cikarang.

Evaluasi atas Implementasi PP Nomor 23 Tahun 2018 dan Implikasinya Terhadap Penerimaan Pajak dan Kepatuhan Wajib Pajak UMKM di Banjarmasin

2021 ◽  
Vol 6 (1) ◽  
pp. 37-51
Author(s):  
Agus Bandiyono ◽  
Nur Syifa Retno Utami
Keyword(s):  
Research Method ◽  
Qualitative Method ◽  
Field Research ◽  
Tax Revenue ◽  
Positive Contribution ◽  
Technology Dependence ◽  
Library Research ◽  
Education And Awareness ◽  
Tax Payments ◽  
Positive Effect

The aims of this study are to evaluate the implementation of PP No. 23 of 2018 at KPP Pratama Banjarmasin Utara and Selatan, to analyze the implications of the implementation of PP No. 23 of 2018 on tax revenue and compliance of SME taxpayers, and to find out the challenges and obstacles in implementing regulations at KPP Pratama Banjarmasin Utara and Selatan. The research method used are the qualitative method of library research and field research in the form of interviews and observations. The results of the research are based on observation, interviewing informants and evaluating the implementing regulations, PP No. 23 of 2018 has been implemented properly. PP No. 23 of 2018 has a positive effect on the revenue and number of SME taxpayers who make tax payments, but it has not made a positive contribution to the compliance of SME taxpayers in reporting annual tax return. This is known through the percentage of SME taxpayers’s annual tax return reporting compared to the number of SME taxpayers registered in Banjarmasin less than 20%. The challenge in implementing this PP is in providing education and awareness of taxpayers who are still low. The perceived obstacles are that taxpayers are not familiar with technology, dependence of taxpayers on officers, and double taxation.

scholarly journals PANDANGAN HUKUM ISLAM TERHADAP ADAT TOPO SALIA DI DESA MANINILI BARAT KECAMATAN TINOMBO SELATAN KABUPATEN PARIGI MOUTONG

2020 ◽  
Vol 1 (1) ◽  
pp. 67-79
Author(s):  
Nizrah Nizrah ◽  
Nasaruddin Nasaruddin ◽  
Hamiyuddin Hamiyuddin
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Islamic Law ◽  
Field Research ◽  
Mutual Cooperation ◽  
Data Collection Technique ◽  
The Village ◽  
Islamic Values

This research has a problem that how is the implementation of the topo salia custom in Desa Maninili Barat, Kecamatan Tinombo Selatan, Kabupaten Parigi Moutong, and what is the view of Islamic law on the topo salia custom. The research method used is a qualitative method that describes field research. In the data collection technique, the writer used the method of observation and direct interviews with informants, namely the village head and several religious figures as well as documentation. Then, the results of the research found that first the topo salia custom is a ritual that is carried out in the month of Rabiul Awal to commemorate the birthday of the Prophet Muhammad. namely on the 12th of Rabiul Awal, this tradition was carried out with the aim of rejecting calamities and making their children live and cultured. Second, according to the view of traditional Islamic law, topo salia does not contradict Islamic law because it contains Islamic values, such as deliberation, mutual cooperation, strengthening friendship, and a form of gratitude to Allah swt.

scholarly journals Aktivitas Pemberian Kredit Pada Bank Nagari Cabang Painan

2021 ◽  
Author(s):  
Roza Islami Putri ◽  
Ratna Widayati
Keyword(s):  
Data Collection ◽  
Financial Performance ◽  
Research Method ◽  
Field Research ◽  
Library Research ◽  
Credit Contracts ◽  
Credit Analysis

The purpose of this study was to find out how to provide credit at Bank Nagari Cabang Painan. The research method of data collection uses two methods, namely library research and field research. The results of this study are the implementation of lending at Bank Nagari Cabang Painan in accordance with established procedures, starting from credit applications, credit analysis, recommendations, credit decisions, signing credit contracts, credit realization and credit supervision. The development of credit at the Bank Nagari Cabang Painan has increased every year this is due to the excellent financial performance of the Bank Nagari Cabang Painan.

Verb “Clean Using Water” In Balinese

2016 ◽  
Vol 3 (3) ◽  
Author(s):  
Putu Agus Bratayadnya
Keyword(s):  
Human Body ◽  
Research Method ◽  
Qualitative Method ◽  
Field Research ◽  
Oxford University ◽  
Library Research ◽  
Specific Meaning ◽  
Descriptive Qualitative

This paper discusses about verb clean activity using water in Balinese. Unlike Indonesian that are only have less variation words to clean human body like mandi and keramas. Balinese has some more variations to say specific meaning for clean using water. From this phenomenon, the verbs are interested to discuss particularly using theory of Natural Semantic Metalanguage by Anna Weirzbicka’s in her book entitled Semantics: Primes and Universal which was published by Oxford University in 1996.This paper was analyzed using Descriptive Qualitative Method and did both library and field research method. Library research had done by finding the verbs in Balinese books and articles. Afterwards field research did with observation with asking some Balinese speakers. Five words are found to clean a human body; Mambuh (For cleaning hair), Mesugi (face) etc. Meanwhile one word (ngumbah) is neutral??. It means the word can be used to describe in human body and non-human body.Then the last, there are two words in Balinese which were found to describe cleaning activity using water in Balinese to clean something or the activity which not to clean human body like nyusud and ngepel.

scholarly journals Slangs Used by Characters in Movie Script "I Hope They Serve Beer in Hell"

HUMANIS ◽  
2019 ◽  
Vol 23 (2) ◽  
pp. 106
Author(s):  
I Putu Agus Ari Purnama ◽  
I Wayan Suardhana ◽  
I Nyoman Sedeng
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Qualitative Method ◽  
Note Taking ◽  
Library Research ◽  
Data Source ◽  
Movie Script ◽  
Context Of Situation ◽  
Descriptive Qualitative

This paper is entitled Analysis of Slangs Used by Characters in Movie Script “I Hope They Serve Beer in Hell”. The aims of this study are to identify and classify based on the types of slang word, this paper also described the context of situation of slang used in the movie script I Hope They Serve Beer in Hell. The data source was taken from the movie script I Hope They Serve Beer in Hell (2009). The data collection was conducted through library research method and note taking technique. The first step was done through reading attentively, noting the slang word, and classifying based on the types of slang and context of situation. The collected data were analyzed using descriptive qualitative method with the theory of Allan and Burridge (2006) for types of slang and theory of context of situation proposed by Holmes (2013). The result of analysis shows that there are four types of slang used by character in I Hope They Serve Beer in Hell movie script. Meanwhile, for the context of situation there are four components. The meaning behind each slang words and phrases in I Hope They Serve Beer in Hell movie script depends on the context of situation. Besides, the interpretation of meaning takes important roles in the analysis.

scholarly journals UPAYA PENYELESAIAN KREDIT BERMASALAH PADA BANK NAGARI CABANG PEMBANTU TARUSAN

2020 ◽  
Author(s):  
Gusti Rahma Ayu ◽  
Ratna Widayati
Keyword(s):  
Data Collection ◽  
Research Methods ◽  
Field Research ◽  
Research Field ◽  
Research Library ◽  
Library Research

The purpose of this study was to determine how the credit settlement efforts at Bank Nagari Pembatu Tarusan Branch. Data collection research methods use two ways, namely library research (Library Research) and field research (Field Research). The results of the study were to find out the causes of problem loans and how to resolve non-performing loans at the bank Tagiri branch

scholarly journals Line Item Budgeting on Labor Costs to the Level of Income

2020 ◽  
Vol 1 (1) ◽  
pp. 27-32
Author(s):  
Abdalla Abdalla
Keyword(s):  
Data Collection ◽  
Direct Observation ◽  
Field Research ◽  
Research Field ◽  
Research Library ◽  
Labor Costs ◽  
Data Collection Methods ◽  
Library Research ◽  
Data Collection Technique ◽  
Collection Methods

Library research is a data collection technique through the library in the form of literature books, and lecture materials that are relevant to the problem under study. In this study, the authors used the following data collection methods Research library (library research) It is a data collection technique through the library in the form of literature books, and lecture materials that are relevant to the problem under study. Field research (field research) is direct retrieval of the object under study by taking the following steps Observation, namely data collection through direct observation of the object under study, Interviews, namely conducting interviews with leaders and parties interested in the object of research.

scholarly journals Tabungan Emas dalam Tinjauan Hukum Islam (Studi Kasus di Pegadaian Syariah Cabang Pinrang)

2020 ◽  
Vol 1 (4) ◽  
pp. 673-691
Author(s):  
Khaerul Aqbar ◽  
Aswar Aswar ◽  
Muh. Sepriadi
Keyword(s):  
Data Collection ◽  
Research Method ◽  
Islamic Law ◽  
Field Research ◽  
Research Library ◽  
Research Approach ◽  
Research Results ◽  
Library Research ◽  
Qualitative Descriptive ◽  
Security Price

This study aims to determine the practice of product contracts and a review of Islamic law on gold savings products in Sharia pawnshops. The research method used a field research approach (filed reaserch) which was qualitative descriptive, and data collection was obtained through observation, interviews and library research (library reaserch), and the research locus was carried out at the Pinrang Syariah Pegadaian Branch. The research results found that; First, regarding the practice, the Pinrang Branch of the Sharia Pegadaian provides many facilities for customers who want to start investing in gold. In addition, Pegadaian Syariah also offers products in the form of Gold Savings, which is a gold buying and selling service with deposit facilities. As for the process of liquidating (selling) gold, it is carried out in two ways, namely by reselling it if the customer wants cash and printing if the customer wants it in the form of gold bullion. Second, the Gold Savings scheme in Sharia Pawnshops is a problematic contract because one of the contracts has an element of usury, to be precise in the murabahah contract, where scholars have different opinions about its abilities. Jumhur ulama agree on the prohibition (because some scholars from syafi'iyyah and malikiyyah argue that gold is included as ṡaman (price, means of payment, money) which cannot be exchanged in installments, because it causes usury and must be done in cash at the time of the contract. Third, DSN MUI and other contemporary scholars consider that the sale and purchase of gold / murabahah gold is permissible both in cash and credit as long as they are not intended as security (price) but sil'ah (goods).

Sign in / Sign up

Export Citation Format

Share Document