scholarly journals Telaah Kritis Akad Musyarakah Mutanaqisah

2019 ◽  
Vol 1 (1) ◽  
pp. 79
Author(s):  
Muh Turizal Husein
Keyword(s):  
Financial Services ◽  
Home Ownership ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Islamic Banking ◽  
Significant Growth ◽  
Living Space ◽  
Innovation Product ◽  
Analysis Design

Since the opening of the MEA door in 2015 to 2020, it will be colored by a strategy competition and a tighter level of financial services business competition. Sharia Banking products based on partnerships with "profit-loss sharing" such as Musyarakah currently have not shown significant growth like other products. One of the musyarakah derivative contracts that has the potential to be practiced as an innovation product in Islamic banking is the musyarakah mutanaqisa contract. This study examines the need for living space for customers by using musyarakah mutanaqisa agreement and musyarakah mutanaqisa practice in Indonesia. This study uses a qualitative approach with descriptive analysis design. In Indonesia, only a few Sharia Banks have offered financing products with mutanaqisa musyarakah contracts, namely Sharia Maybank, Panin Sharia Bank, Mega Syariah Bank and Bank Muamalat. Of the four BUSs, the products they offer have ownership of assets namely home ownership and vehicles. But in their practice they still give customers the choice in choosing, which contract they will use. such as murabahah contracts in home ownership products and vehicles.Keywords: Musyarakah, Mutanaqisa, Profit, Banks

scholarly journals Strategi Pengembangan LKMS-BMT Maslahah Sidogiri Pasuruan (Studi Analisis Pendekatan Interpretatif Struktural Modeling) (Strategy of LKMS-BMT Development Maslahah Sidogiri Pasuruan (Analysis Study of Structural Modeling Interpretative Approach))

2020 ◽  
Vol 4 (1) ◽  
pp. 24
Author(s):  
Parmujianto Parmujianto
Keyword(s):  
Human Resources ◽  
Financial Services ◽  
Positive Attitude ◽  
Descriptive Analysis ◽  
Structural Modeling ◽  
Qualitative Approach ◽  
Consumer Loyalty ◽  
Community Needs ◽  
Interpretative Approach ◽  
Modeling Strategy

BMT (BMTM) is one of the LKMS that provides Sharia-based financial services. BMTM has not made specific identifications related to the behavior of the target audience which could potentially be a challenge in the future. This study uses a qualitative approach, namely descriptive analysis and Interpretative Structural Modeling (ISM). The results showed that consumer behavior in BMTM is positive in the utilization of BMTM products. Understanding and positive attitude towards BMTM products is based on the motives of daily necessities and business development. The efforts of BMT in building consumer loyalty to BMT by bringing services closer to the community, increasing the ratio of supervisors and discipline of supervision and developing several products according to community needs, as well as strengthening human resources.

Implementation of Musyarakah Financing Agreement On Sharia Banking (Case Study at Bank BRI Syariah Purwokerto Branch Office)

Authentica ◽  
2020 ◽  
Vol 3 (1) ◽  
pp. 32-53
Author(s):  
Muh Rifqi Iqsobayadinur
Keyword(s):  
Empirical Research ◽  
Financial Services ◽  
Qualitative Approach ◽  
Islamic Banking ◽  
Standard Contract ◽  
Special Rule ◽  
Branch Office ◽  
Descriptive Qualitative

Act of Republik Indonesia Number 21 of 2008 concerning Sharia (Islamic) Banking Article 1 Number 13, require all of contract should be written. Thus the implementation of musyarakah financing contract on Islamic banking is needed a notary to make a notariil deed, although there is no a special rule that require a contract must be made with notariil deed. The research is empirical research law to analyzes the data systematically, factual and accurate. The approach used in the research is descriptive qualitative approach. Result of this research indicates that implementation of musyarakah financing contract at PT. BRI Sharia branch of Purwokerto, normatively has been following the elements of the contract, and especially used standard contract from Financial Services Authority (FSA) regulation Number 31/POJK.5/2014 concerning Implementation of Sharia Multi-Finance Business, but substantially there are deviations in which the position of the parties is unbalanced, the nisbah ratio is done unilaterally and is fixed during the funding period, calculation of nisbah is determined at the beginning, and the use of witnesses in contract is not in accordance with sharia principles.Keywords: Contract, Musyarakah Finance, Sharia (Islamic) Banking. 

scholarly journals Menakar Dampak Fenomena Pandemi Covid-19 Terhadap Perbankan Syariah

2020 ◽  
pp. 145
Author(s):  
S Sumadi
Keyword(s):  
Financial Services ◽  
Descriptive Analysis ◽  
Strategy Management ◽  
Islamic Banking ◽  
Business World ◽  
Operational Strategies ◽  
World Economic ◽  
Mobile Banking Applications ◽  
Conventional Banks ◽  
The Impact

Covid-19 has had a significant impact on world economic development. The Covid-19 pandemic is a challenge for the business world, including the banking financial services industry. This causes our financial system to be eroded, including the interest in conventional banks. This study was conducted to determine how the operational strategy management carried out by Islamic Banking in carrying out its function as a banking intermediary institution, namely in terms of raising funds and channeling funds carrying out their duties and functions in the midst of the Covid-19 pandemic, as well as to what extent Islamic Banking can carry out its intermediation function. This research is a type of qualitative research with a naturalistic research method approach because the research is carried out in natural conditions. The discussion was carried out with descriptive analysis. The results showed the impact of the Covid-19 pandemic on the banking intermediation function, based on the results of a study at Bank Syariah Mandiri, namely Financing and TPF, the Bank showed a fluctuation. On the financing side, Bank Syariah Mandiri from January to March 2020 tends to increase. On the side of the collection of funds (DPK), Bank Mandiri Syariah shows fluctuation. The impact of the Covid-19 Pandemic on the management of banking operational strategies. Based on the results of a study at Bank Syariah Mandiri shows that: First, all banks implement economic stimulus related to restructuring financing for customers affected by the Covid-19 pandemic based on POJK No.11 / POJK.03 / 2020. Second, the development of digital mobile banking applications for banks Sharia.

scholarly journals Nilai-Nilai Etika Bisnis Islam Sebagai Pondasi Pengembangan PT. Bank Syariah Indonesia (Perspektif Hukum Islam dan Global Compact)

2021 ◽  
Vol 6 (01) ◽  
pp. 63-73
Author(s):  
Naily El Muna
Keyword(s):  
Business Ethics ◽  
Financial Services ◽  
Islamic Law ◽  
Banking Industry ◽  
Qualitative Approach ◽  
Islamic Banking ◽  
Snowball Sampling ◽  
Data Presentation ◽  
Islamic Business Ethics ◽  
Habituation Process

Abstract: This study portrays the efforts of Islamic banking to motivate employees in familiarizing the values ​​of Islamic business ethics. The development of Islamic banking has experienced significant growth. A survey by the financial services authority (OJK) stated that the assets of the Islamic banking industry increased 14 times from Rp. 21.5 trillion in 2005 to Rp. 296, 2 trillion in 2015. Islamic Banking I should implement the values ​​of Islamic Business Ethics (EBI) in accordance with Islamic law. These values ​​are divine values, balance (justice), freedom and responsibility. Researchers used a qualitative approach to normative juridical case studies. The findings and theories were built using snowball sampling, which is the process of searching for data from and according to needs. Data collection was carried out by: interviews, observation, and documentation. Data analysis used: data reduction, data presentation, drawing conclusions. The results of this study include: (1) EBI habituation process: (a) As a spirit, (b) There is an emotional bond, the equality of managers, and users of customer funds, (c) The principle of the object is halal, mutual acceptance, needs, habits, and existential, (d) Being accounted for in a balanced manner in the form of scope of work, (2) The process of familiarizing EBI with employees in accordance with Islamic law.

Perception of stakeholders on corporate social responsibility of Islamic Banks in Jordan

2016 ◽  
Vol 11 (1) ◽  
pp. 30-56 ◽  
Author(s):  
Venere Di Bella ◽  
Nedal Al-Fayoumi
Keyword(s):  
Corporate Social Responsibility ◽  
Social Responsibility ◽  
Customer Service ◽  
Financial Services ◽  
Banking Sector ◽  
Descriptive Analysis ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Content Type ◽  
Corporate Social

Purpose – The purpose of this paper is to explore the various perceptions of stakeholders on corporate social responsibility (CSR) of Islamic Banks in Jordan. Design/methodology/approach – The data are collected from multiple stakeholder groups of two Islamic Banks in particular: Jordan Islamic Bank for Finance and Investment and Islamic International Arab Bank. The methods adopted to examine the data are the descriptive analysis and analysis of variance. With regard to the purpose of this research, the concept of Islamic CSR and its dimensions have been considered as: rooted in the Islamic ethical system, represented through the profit and loss arrangements, embedded within the principles behind financial services provided by Islamic Banks, and benchmarked by the Accounting and Auditing Organization of Islamic Financial Institutions’ (AAOIFI) corporate governance standard. Findings – The results indicate that stakeholders have expressed a positive attitude toward the concept of CSR. Proving that the issue of CSR is an important factor in Islamic banking and to the perception of various stakeholders’ groups, the focus shifted into identifying the dimensions which shape the Islamic CSR. In reference to previous research results, the Islamic banking sector in Jordan has an in-built dimension that promotes social responsibility. Practical implications – The study recommends that Islamic Banks improve CSR activities in order to better exploit this commitment with a cultural identity yet again. This identity has a direct influence on the branding of Islamic finance in local markets. The structure of offered products reflects regional beliefs and provides a suite of services. In terms of services, the services provided are geared toward specific market segments within local communities. This as a result directs a number of strategic decisions made by Islamic Banks, which are based on the structure of their offerings, brand identity and customer service levels. Originality/value – In Jordan, studies about the perception of stakeholders on CSR from an Islamic perspective are almost non-existent. Thus, providing solutions for study questions and presenting empirical evidence regarding CSR issues will certainly add a new dimension to the literature. Moreover, the conclusions and recommendations may help regulators and decision makers in enhancing the competitiveness and the sustainability of the Islamic banking sector in Jordan.

scholarly journals Akad Musyarakah Mutanaqisa: Inovasi Baru Produk Pembiayaan Bank Syariah

2017 ◽  
Vol 7 (1) ◽  
pp. 14
Author(s):  
Putri Dona Balgis
Keyword(s):  
Islamic Banking ◽  
Significant Growth ◽  
Innovation Product ◽  
The Difference ◽  
Competitive Product

Product based partnersip with profit-loss sharing like Musyarakah as a<br />competitive product in Islamic Banking has not showed significant growth<br />like another products. One of derivative contract of musyarakah which is<br />potentially practiced as an innovation product in Islamic banking is<br />musyarakah mutanaqisa contract. This study decribes  about musyarakah<br />mutanaqisa contract, the difference between musyarakah mutanaqisa and<br />conventional lease, the treatment of accounting, and the practice of<br />musyarakah mutanaqisa in Indonesia. In Indonesia, four of thirteen Islamic<br />Banks in Indonesia offer a financing product with musyarakah mutanaqisa<br />contract. They are Bank Muamalat, Maybank Syariah, Panin Bank Syariah,<br />and Bank Mega Syariah.

MOTIF YANG BERPENGARUH PADA PROSES KEJIWAAN TOKOH SAM DALAM NOVEL SEBENING SYAHADAT KARYA DIVA SR

2020 ◽  
Vol 8 (2) ◽  
pp. 10
Author(s):  
Dandy Ashghor Dawudi ◽  
Kamidjan Kamidjan ◽  
Agus Sulton
Keyword(s):  
Research Method ◽  
Descriptive Analysis ◽  
Research Process ◽  
Cultural Factors ◽  
Qualitative Approach ◽  
Literature Study ◽  
Love Story ◽  
True Value ◽  
Analysis Technique ◽  
Qualitative Descriptive

This research takes the object of Sebening Syahadat by Diva SR, this work is a novel that tells the story of the journey ofa teenager named Sam who is in the process ofsearching for identity. The journey is filled with interesting twits and turns embelissed with a love story that is very suitable if consumed by the younger generation who are learning to find identit. This study aims to reveal the value motives that led Sam’s character in finding his identity, which expected to be a material for reflection for readers, especially young people who are in the process of discovering his identity, the scope of the problem in this study is to reveal the value motives that affect the character’s psyche. Sam is told to have a rascal character.The research method used in this study took a descriptive qualitative approach, data colletion used was a literature study technique with stages of reading, note taking, coding for futher analysis. The analysis technique used is qualitative descriptive analysis technique.The result of the research in this research process indicate that the mental process of Sam’s character influenced by several factors, including: a. Motives in cultural factors (Situasional Factors), b. The motive for love begins with admiration for the attitude of someone who is full of noble values of character, c. The motive of curiosity and fulfillment of his needs for true value.

Analisis SWOT (Strength, Weakness, Opportunities, Threats) Melalui Inkuiri Terbimbing Pada Materi Kegiatan Ekonomi Mahasiswa Pendidikan Guru Sekolah Dasar

2019 ◽  
Vol 1 (2) ◽  
pp. 141
Author(s):  
Iis Yeni Sugiarti
Keyword(s):  
Swot Analysis ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Guided Inquiry ◽  
Analysis Method ◽  
Economic Activities ◽  
External Analysis ◽  
High Level ◽  
Center Area ◽  
Trade Competition

Abstrak. Desa Trusmi merupakan sentra batik sekaligus kuliner di Kabupaten Cirebon. Banyaknya pemegang usaha di bidang produksi batik mengakibatkan persaingan dagang diwilayah tersebut. Penelitian ini bertujuan untuk menganalisis SWOT (Strength, Weakness, Opportunities, Threats)  di salah satu usaha batik milik H. Edi Baredi atau sering dikenal dengan EB Batik Tradisional melalui inkuri terbimbing. Analisis meliputi profil usaha, aspek produksi, aspek tenaga kerja, aspek pemasaran dan aspek keuangan. Jenis penelitian ini menggunakan pendekatan kualitatif dengan metode deskripstif analisis. Berdasarkan analisis internal dan eksternal analisis SWOT, strategi yang  dilakukan oleh EB Batik Tradisional yaitu menghindari kehilangan penjualan dan profit yang disebabkan banyaknya persaingan dagang di kawasan sentra batik Trusmi dengan munculnya inovasi baru. Penguatan karakter pada produksi batiknya dapat mengatasi pesaingan dagang dan menambah daya tarik pembeli. Kata Kunci: SWOT, Inkuiri Terbimbing, dan Kegiatan Ekonomi Abstract. Trusmi village is a center of batik as well as culinary in Cirebon Regency. A large number of business holders in the field of batik production has resulted in trade competition in the region. This study aims to analyze SWOT (Strength, Weakness, Opportunities, Threats) in one of the batik business owned by H. Edi Baredi or often known as EB Traditional Batik through guided injury. The analysis includes the business profile, production aspects, labor aspects, marketing aspects, and financial aspects. This type of research uses a qualitative approach with descriptive analysis method. Based on internal and external analysis of the SWOT analysis, the strategy carried out by EB Traditional Batik is to avoid losing sales and profits due to the high level of trade competition in the Trusmi batik center area with the emergence of innovations. Strengthening the character of batik production can overcome trade competition and increase the attractiveness of buyers. Keywords: SWOT, Guided Inquiry, and Economic Activities

Arah Kebijakan Pengawasan terhadap Perbankan Syariah dalam Sistem Perbankan Nasional di Indonesia

2020 ◽  
Vol 3 (1) ◽  
pp. 41-52
Author(s):  
Andrew Shandy Utama
Keyword(s):  
Central Bank ◽  
Financial Services ◽  
Banking System ◽  
Islamic Banking ◽  
Legal Research ◽  
Islamic Bank ◽  
Independent Direction ◽  
National Banking System

This research aims to explain the direction of policy regarding supervision of Islamic banking in the banking system in Indonesia. The method used in this research is normative legal research using the statutory approach. The results of this research explain that the policy regarding supervision of Islamic banking in the national banking system in Indonesia is headed toward an independent direction. In Law Number 7 of 1992 and Law Number 10 of 1998, it is stated that supervision of Islamic banking is done by Bank Indonesia as the central bank. Based on Law Number 21 of 2008, supervision of Islamic banking is strengthened by not only being supervised by Bank Indonesia, but also by the National Sharia Council of the Majelis Ulama Indonesia by placing Sharia Supervisory Councils in each Islamic bank. After the ratification of Law Number 21 of 2011, supervision of Islamic banking moved from Bank Indonesia to an independent institution called the Financial Services Authority.

Gaya Bahasa dalam Pepatah Adat Masyarakat Petalangan Riau

2019 ◽  
Vol 10 (2) ◽  
pp. 285
Author(s):  
Yeni Maulina ◽  
Khairul Azmi
Keyword(s):  
Cultural Heritage ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Community Life ◽  
Sentence Structure ◽  
Analysis Method ◽  
Philosophy Of Life ◽  
The People ◽  
Data Source ◽  
Language Styles

Pengkalan Kuras, Langgam, Kuala Kampar, and Bunut Subdistrict, Pelalawan Regency. Petalangan tribe has various cultures in the traditions of life. A good introduction to cultural heritage by the next generation can strengthen the nation's tradition in responding to the increasingly severe challenges of the future in this era of globalization. Cultural heritage in the form of moral-spiritual inheritance, one of which is obtained and known through the tradition of belief in the traditional proverb that exists in the community. The traditional adage in the Petalangan community, among others, explains the perspective on community life. This study aims to describe the style of language in the customary proverb that is related to the perspective of life in society. This research uses a qualitative approach with descriptive analysis method. The data source used was the book entitled Pepatah Adat, Istilah, dan Kosa kata Masyarakat Petalangan Kabupaten Pelalawan, Riau. There are 16 traditional proverbs used as data in this study, which then obtained 3 language styles based on sentence structure and 2 language styles based on meaning. By knowing and learning the style of language in this traditional proverb, the philosophy of life and aesthetic tastes of the people of Riau can be understood. Petalangan merupakan salah satu puak asli di Provinsi Riau yang bermukim di Kecamatan Pengkalan Kuras, Langgam, Kuala Kampar, dan Bunut, Kabupaten Pelalawan. Suku Petalangan ini memiliki beraneka kebudayaan dalam kehidupan. Pengenalan yang baik terhadap warisan kebudayaan oleh generasi penerus dapat memperteguh tradisi bangsa dalam menjawab tantangan masa depan yang semakin berat dalam era globalisasi ini. Warisan kebudayaan yang berupa warisan moral-spiritual, satu di antaranya didapatkan dan diketahui keyakinan terhadap pepatah adat yang ada pada masyarakat. Pepatah adat dalam masyarakat Petalangan antara lain menjelaskan cara pandang mengenai hidup bermasyarakat. Penelitian ini bertujuan mendeskripsikan gaya bahasa di dalam pepatah adat yang berhubungan dengan cara pandang dalam hidup bermasyarakat. Penelitian ini menggunakanpendekatan kualitatif dengan metode analisis deskriptif. Sumber data yang digunakan adalah buku Pepatah Adat, Istilah, dan Kosa kata Masyarakat Petalangan Kabupaten Pelalawan, Riau. Terdapat 16 pepatah adat yang dijadikan data dalam penelitian ini, yang kemudian diperoleh 3 gaya bahasa berdasarkan struktur kalimat dan 2 gaya bahasa berdasarkan makna. Dengan mengetahui dan mempelajari gaya bahasa dalam pepatah adat ini dapat dipahami filsafat hidup dan cita rasa estetika masyarakat Riau.

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