scholarly journals Analysis of Low Realization For Mudharabah Financing at Muamalat Indonesia Bank, Banda Aceh

2018 ◽  
Vol 1 (4) ◽  
pp. 215-223
Author(s):  
Arinal Rahmati ◽  
Deni Mulyadi ◽  
Januddin Januddin
Keyword(s):  
Moral Hazard ◽  
Descriptive Analysis ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Analysis Method ◽  
Income Statement ◽  
Financing Model ◽  
Depth Interviews ◽  
Problem Data ◽  
Banda Aceh

This study aims to determine the causes of low realization of mudharabah financing at Muamalat Indonesia Bank, Banda Aceh Branch. This research is expected to be a framework or model for other Islamic banks that have the same problem. Data for this study are collected through in-depth interviews and documentation studies. This research uses descriptive analysis method and the results of the data obtained are analyzed qualitatively. The results of the study show that the minimum factor of realization of mudharabah financing is caused by the bank's difficulty in obtaining the income statement accurately, transparently and routinely. In addition, mudharabah products are very vulnerable to the occurrence of moral hazard from business actors (mudharib) who tend to maximize profits resulting in reduced returns to the bank as shahibul mall. Then other factors are also influenced by the ineffectiveness of the profit-sharing financing model relating to entrepreneurs and the lack of interest in the scheme of profit sharing in business activities.

scholarly journals Analisis Kinerja Keuangan Bank Umum Syariah di Indonesia berdasarkan Islamicity Performance Index Periode 2015-2019

2021 ◽  
Vol 3 (2) ◽  
pp. 230-253
Author(s):  
Fakhry Hafiyyan Kurniawan ◽  
A. Jajang W. Mahri ◽  
Rumaisah Azizah Al Adawiyah
Keyword(s):  
Performance Measurement ◽  
Performance Index ◽  
Descriptive Analysis ◽  
Profit Sharing ◽  
Commercial Banking ◽  
Performance Ratio ◽  
Measurement Tool ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Average Value

Islamic Commercial Banking in Indonesia generally has not fully carry out business activities in accordance with sharia provisions. Therefore, there is a need for a performance measurement tool that is able to express spiritual and social values embodied in Islamic banks. The purpose of this study is to describe the performance of Islamic banking based on Islamicity Performance Index. This research is a quantitative research using descriptive analysis. The data used in this research is secondary data. The study population was Islamic banks in Indonesia during the period 2015-2019, with a sample of twelve banks. Sampling was done by using purposive sampling method. The results showed Panin Dubai Sharia Bank was the best bank in the Profit Sharing Ratio (PSR) indicator. The value of Zakat Performance Ratio (ZPR) in Islamic banking in Indonesia is still low. BNI Sharia is the bank with the highest average value for the ZPR indicator. Equitable Distribution Ratio (EDR) indicates that Mandiri Sharia Bank has the highest average value. Directors-Employees Welfare Ratio (DEWR) shows that BTPN Sharia have fairly high levels of disparity between directors and employees. IIR and IsIR shows  that in general Islamic commercial banks in Indonesia have carried out businesss performance in the halal sector. Meanwhile, overall, it received a satisfactory predicate. This research is expected to be taken into consideration for the related institutions to apply the performance measurement of Islamic Commercial Banking in accordance with the concept of Islamicity Performance Index, and be taken into consideration in taking policy measures in accordance with the concept of sharia that will be used in the future.  

scholarly journals ANALISIS EKONOMI ISLAM TERHADAP BAGI HASIL PEMBIAYAAN MUDHARABAH UNTUK USAHA MIKRO PADA BAITUL QIRADH ABU INDRAPURI

2013 ◽  
Vol 2 (1) ◽  
Author(s):  
Jumadi Jumadi
Keyword(s):  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Analysis Method ◽  
Implementation Level ◽  
Collateral System ◽  
Micro Enterprises

This study generally aims to analyze the concept of mudharabah financing in Baitul Qiradh (BQ) Abu Indrapuri for micro-enterprises. Specifically, the paper reviews the systems implemented in the management and revenue-sharing mechanisms derived from these micro-enterprises. This study employs primary and secondary data which were collected through interview and documentation studies. The data were analyzed using descriptive analysis method. The findings show that generally the concept of mudharabah financing in BQ Abu Indrapuri is based on Fatwa Dewan Syariah Nasional No. 07/DSN/MUI/IV/2000. In the implementation level, however, the application of profit sharing and collateral system was not fully shariah compliance. The imbalance between the concept and implementation because the BQ still refers to the conventional banking rules. =========================================== Penelitian ini secara umum bertujuan untuk menganalisis konsep pembiayaan mudharabah pada Baitul Qiradh (BQ) Abu Indrapuri untuk usaha mikro. Secara spesifik, tulisan mengkaji tentang sistem yang diterapkan dalam pengelolaan dan mekanisme pembagian pendapatan yang diperoleh dari usaha mikro tersebut. Penelitian ini menggunakan data primer dan sekunder yang dikumpulkan dengan teknik wawancara bebas, dan studi dokumentasi. Data yang diperoleh dianalisis dengan menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa secara umum konsep pembiayaan mudharabah pada BQ Abu Indrapuri berpedoman pada Fatwa Dewan Syariah Nasional No.07/DSN/MUI/IV/2000. Akan tetapi, dalam implementasinya masih terdapat hal-hal yang tidak sesuai dengan konsep syariah yaitu pada sistem bagi hasil dan jaminan. Terdapat ketimpangan antara konsep dan implementasi disebabkan karena BQ Abu Indrapuri masih mengacu pada aturan sistem perbankan konvensional.

scholarly journals Implementasi Sistem Bagi Hasil Mudharabah pada Koperasi Serba Usaha Amanah Desa Bunobogu Kecamatan Bunobogu Kabupaten Buol

Al-Buhuts ◽  
2017 ◽  
Vol 13 (2) ◽  
pp. 109-126
Author(s):  
Abdul Latif
Keyword(s):  
Small And Medium Enterprises ◽  
Descriptive Analysis ◽  
Secondary Data ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Primary Data ◽  
Analysis Method ◽  
Qualitative Descriptive ◽  
Medium Enterprises ◽  
Made In

This study aims to determine the system for the results of Mudharabah on Business Multipurpose Cooperative (KSU) Amanah Desa Bunobogu with Qualitative Descriptive Analysis method. This study uses primary data sources and secondary data relating to the annual revenue sharing system Mudharabah (2010-2014). The results of this study indicate that the profit sharing system is implemented by the Multipurpose Business Cooperative (KSU) Amanah Desa Bunobogu in the form of Mudharabah financing. With a guarantee statement on the process akadnya. In the event of negligence made by members who resulted in his business losing the goods made in the guarantee will be seized by the cooperative. Businesses that are established by members are mostly small and medium enterprises so often encountered bookkeeping that is not clear and just make a budget booklet at random. However, it does not become alaasan and hamper the growth of cooperatives which each year has increased the remaining results of operations. Unclear budget bookkeeping can result in member earnings manipulation, by lowering the profits earned and the effect on the revenue share installments

scholarly journals PREFER ENSI PELAKU PASAR DALAM MEMILIH INSTRUMEN PASAR UANG ANTAR BANK SYARIAH: PENDEKATAN ANALYTICAL HIERARCHY PROCESS (AHP)

Media Ekonomi ◽  
2019 ◽  
Vol 26 (1) ◽  
pp. 1
Author(s):  
Dida Nurhaida
Keyword(s):  
Profit Sharing ◽  
Money Market ◽  
Analysis Tool ◽  
Islamic Banks ◽  
Market Participants ◽  
Banking Institutions ◽  
Commodity Trading ◽  
Hierarchy Process ◽  
The Empirical Analysis ◽  
Depth Interviews

<em>This research aims to describe, compare and analyze the Sharia Banks’ preferences for selecting Islamic interbank money market instrument in Indonesia to manage their liquidity, what is the reason and research what factors determines market choices in the future. <em>Data collection through in-depth interviews through questionnaires to market participants consisting of 7 Islamic banks representing 97% of all Islamic Banking Institutions in Jakarta. The survey was conducted in October 2017. The empirical analysis tool used in this study is the AHP model based on several criteria for the preferences of market players.</em><em> The liquidity instruments in the Sharia Interbank Money Market in Indonesia are still lack in variance. Among the 3 (three) instruments available: 1) Interbank Mudharaba Investment Certificate (SiMA), 2) Interbank Sharia Commodity Trading Certificate (SiKA), and 3) Sharia Repo, only SiMA is often transacted. Arguing that: 1) SiMA is most widely known and available in the market; 2) The mechanism of SiMA is not complicated, it‟s simple profit-sharing calculation and bookkeeping also easier; 3) SiMA is relatively easy to run especially for its settlement compared to Sharia Repo and SiKA which require underlying settlement. </em><br /></em>

scholarly journals PATRON CLIENT: KONTRAK SEMI MUDHARABAH DALAM TEORI KEAGENAN DI PERIKANAN LAUT

El Dinar ◽  
2018 ◽  
Vol 5 (1) ◽  
pp. 1
Author(s):  
Vika Annisa Qurrata
Keyword(s):  
Moral Hazard ◽  
Adverse Selection ◽  
Profit Sharing ◽  
Blue Water ◽  
Marine Fisheries ◽  
Operational Costs ◽  
Depth Interviews

This study aims to find out how the skipper (as principal) interact with pandega fishermen (as agents) in creating mudaraba-style contracts in marine fisheries (patron-client). With in-depth interviews, there are two important findings: in general juragandi Blue Water Waters especially in the payang fishermen and the lifeboats impose exploitation fees or operational costs to the pandega fishermen in a shared way. Then there is a bit of aberration in the profit-sharing system, but this institution seems to exist and be a deal that never openly conflicts. Based on the findings and some literature, mudaraba contracts can be a purely alternative financing if it is more just and beneficial to both parties ie the master / shahibul maal as principal and pandega / mudharib as agent. To minimize the possibility of moral hazard and adverse selection on the mudaraba contract, it is advisable to monitor each return of the vessel for the sale of fish and the skipper can place one of the trustees other than the pandega fisherman.

scholarly journals Pengaruh Pembiayaan Musyarakah Terhadap Pendapatan Bank BRI Syariah Indonesia Periode 2014-2020

2021 ◽  
Vol 5 (2) ◽  
pp. 230-242
Author(s):  
Noorulviah Beredhawati Atmaja ◽  
Siti Amallia Tadim ◽  
R. Deden Adhianto
Keyword(s):  
Financial Services ◽  
Secondary Data ◽  
Profit Sharing ◽  
Annual Reports ◽  
Islamic Banks ◽  
Analysis Method ◽  
Simple Linear Regression ◽  
Statistical Program ◽  
Annual Time Series ◽  
Annual Time

Consumer financing is one of the focuses of BRI Syariah financing distribution because it has a low risk. This is because consumer financing is based on mortgages and multi-purpose financing. This study aims to determine the effect of Musyarakah Financing on Income. This research was conducted at Bank BRI Syariah Indonesia for the period 2014 to 2020. This method uses a descriptive quantitative approach. The development of Islamic banking is also marked by an increase in the distribution of financing. Financing is very important because this financing factor is the key to the development of Islamic banks in the future. Ideally, Islamic bank financing is dominated by musharaka contracts which are run with a profit-sharing system. The data used in this study is secondary data derived from annual reports that can be accessed through the Financial Services Authority website in the form of an annual time series from 2014-2020. This study applies a simple linear regression data analysis method. Based on the results of research using the SPSS Version 20 statistical program, Musyarakah Financing (X) has a positive and significant effect on Income (Y).

scholarly journals The Implementation of Verdict Execution on Providing Maḍiyah Maintenance Following Divorce According to Islamic Law (Case Study in Syar’iyyah Court Banda Aceh)

2020 ◽  
Vol 4 (2) ◽  
pp. 416
Author(s):  
Soraya Devy ◽  
Dwi Mekar Suci
Keyword(s):  
Islamic Law ◽  
Descriptive Analysis ◽  
Qualitative Approach ◽  
Analysis Method ◽  
Islamic Perspective ◽  
Execution Order ◽  
Banda Aceh

The article discusses the procedures of filing a plea to execute verdicts on providing māḍiyah maintenance and the effort to implement the verdicts in Syar’iyyah Court Banda Aceh.  The study was conducted with a qualitative approach and the collected data were analyzed with a descriptive-analysis method based on Islamic law perspective. The result shows that the procedure and the legal effort to file an execution toward the verdict related to māḍiyah maintenance in Syar’iyyah Court are distinguished into two types of divorce, i.e. talak divorce and filed divorce. In talak divorce, the execution of the verdict related to maintenance is conducted during the reading of the talak pledge. In the filed divorce, the ex-wife’s lawsuit related to maintenance which is neglected by the ex-husband is entitled to be legally sued through filing a plea on execution. The phases as follows: (1) the ex-wife files a plea of execution to the court, (2) pay the execution cost, (3) aanmaning (a warning to the defendant), (4) the ex-husband and ex-wife comply with the summons by the court, (5) the court establishes executorial beslag (executing confiscation), (6) the court establishes an execution order, (7) an auction. According to the Islamic perspective, the execution of māḍiyah maintenance can be conducted following the ex-wife’s lawsuit to the court. The execution of māḍiyah maintenance can be performed by the court based on the valid provisions of executing māḍiyah maintenance in Syar’iyah Court upon consideration of benefit and expediency principles.

scholarly journals PENGUIN TINGKAT BAGI HASIL DAN UKURAN BANK TERHADAP JUMLAH SIMPANAN DEPOSITOMUDHARABAH PADA BANK UMUMSYARIAH DI INDONESIA

JEMBATAN ◽  
2018 ◽  
Vol 14 (1) ◽  
pp. 45-56
Author(s):  
Heni Suryaningsih ◽  
Marlina Widiyanti ◽  
Taufik Taufik
Keyword(s):  
Data Analysis ◽  
Investment Decision ◽  
Revenue Sharing ◽  
Profit Sharing ◽  
Islamic Banks ◽  
Analysis Method ◽  
Variable Size ◽  
Bank Deposits ◽  
Savings Bank ◽  
Variable Level

This study aimed to determine the effect of Profit Sharing Rate and The Size of the Bank together and partially to the Mudharabah Total Deposits in Islamic Bank in Indonesia period of 2013-2015. The Object of this study is Islamic Banks in Indonesia. The variables used in this study is Profit Sharing Rate and The Size of the Bank together and Mudharabah Total Deposits. Data analysis method used is Multiple Linear Regression. The results showed that the variable level of revenue sharing and the size of the bank jointly significant effect on the amount of savings deposits mudharabah. While predominantly known to the variable size of the bank which significantly affect the amount of savings deposits mudharabah. Implications of the study is that if the bank size increases, the greater the amount of savings bank deposits mudharabah obtained, so that the size of the banks may be determinant variables an investor in making an investment decision. Keywords : Profit Sharing Rate, The Size of Bank, and Mudharabah Deposits.

scholarly journals ANALISIS EKONOMI ISLAM TERHADAP PRAKTIK AFTER SALES SERVICE PADA MESIN FOTOCOPY BEKAS PAKAI DI KOTA BANDA ACEH

2013 ◽  
Vol 2 (2) ◽  
Author(s):  
Akhyar Rinaldi ◽  
Azharsyah Ibrahim
Keyword(s):  
Service System ◽  
Descriptive Analysis ◽  
Sampling Technique ◽  
Cluster Sampling ◽  
Analysis Method ◽  
Economic Perspective ◽  
Coverage Area ◽  
Price Manipulation ◽  
Islamic Economic ◽  
Banda Aceh

The objective of this article is to analyze the implementation of after sales service on used photocopy machine in Banda Aceh from an Islamic economic perspective. The analysis is conducted through the exploration of the mechanism of sale and purchase transactions and after-sales service system of the used photocopy machine. Data for this study was gathered through interviews and observations. Due to wide coverage area, the sample for this study was limited to eight units, which consist of four sellers and four buyers. The selection was determined by cluster sampling technique. The gathered data was then analyzed using descriptive analysis method. The findings showed that the implementation of the after sales service on the used photocopy machine in Banda Aceh was indicating to contain fraud such as gharar (uncertainty) element, price manipulation element, and the 'coercion' element causing the unhappiness so that it can harm customers which impact on the loss of the maslahah values in muamalah. In other words, the practice of after-sales service of used copier machines in Banda Aceh not fully comply with Islamic economic principles. =========================================== Penelitian ini secara umum bertujuan untuk menganalisis praktik after sales service (layanan purna jual) mesin fotocopy bekas pakai di Kota Banda Aceh dari perspektif ekonomi Islam. Analisis tersebut dilakukan melalui eksplorasi terhadap mekanisme transaksi jual beli dan sistem jasa layanan purna jual mesin fotocopy bekas pakai tersebut. Data untuk penelitian dikumpulkan melalui wawancara dan observasi. Karena wilayah populasi penelitian yang terlalu besar, maka penulis memilih delapan sampel penelitian, yakni empat sampel toko yang menjual mesin fotocopy bekas pakai, dan empat sampel toko yang menjadi konsumen mesin fotocopy bekas pakai. Pemilihan tersebut dilakukan dengan teknik cluster sampling. Data yang terkumpul kemudian dianalisis dengan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa layanan purna jual mesin fotocopy bekas pakai yang dipraktikkan selama ini terindikasi mengandung kecurangan seperti unsur gharar, unsur permainan harga dan unsur ‘pemaksaan’ yang menimbulkan ketidakrelaan sehingga dapat merugikan konsumen yang berdampak pada hilangnya nilai-nilai kemaslahatan dalam bermuamalah. Dengan kata lain, praktik after sales service mesin fotocopy bekas di Banda Aceh tidak begitu sejalan prinsip ekonomi Islam.

scholarly journals Strategi Membangun Karakter Peduli Sesama di Kalangan Mahasiswa Teologi Berdasarkan Filipi 2:1-8

2020 ◽  
Vol 2 (2) ◽  
pp. 133
Author(s):  
Nurnilam Sarumaha ◽  
Novie Deisy Pasuhuk
Keyword(s):  
Qualitative Research ◽  
Descriptive Analysis ◽  
Christian Faith ◽  
Analysis Method ◽  
Research Results ◽  
Depth Interviews

One attitude of the Christian faith is caring for others, as a reflection of caring character for oneself. However, the lives of students of Theological College (STT) cannot fully practice caring attitudes towards others. This research is qualitative research with a descriptive analysis method about the concept of caring for others according to Philippians 2: 1-8 that is applied in the lives of STT Pelita Bangsa students, Jakarta. The concept and understanding of caring attitudes were explored hermeneutically from the Philippian text, then synchronized with the situation of the students through observation and in-depth interviews. Research results in the form of recommendations, such as the need for models or examples from leaders; a kind of clear and written rules must be made; procurement of special room for counseling room. Abstrak Salah satu sikap iman Kristen adalah mempedulikan orang lain, sebagai refleksi karakter peduli terhadap diri sendiri. Namun demikian, kehidupan mahasiswa Sekolah Tinggi Teologi (STT) tidak sepenuhnya dapat mempraktikkan sikap kepedulian terhadap sesama tersebut. Penelitian ini merupakan penelitian kualitatif dengan metode analisis deskriptif tentang konsep peduli terhadap sesama menurut Filipi 2:1-8 yang diterapkan dalam kehidupan mahasiswa STT Pelita Bangsa, Jakarta. Konsep dan pemahaman tentang sikap peduli digali secara hermeneutis dari teks Filipi, lalu disinkronisasi dengan keadaan para mahasiswa melalui observasi dan wawancara mendalam. Hasil penelitian berupa rekomendasi, seperti: perlu adanya model atau keteladanan dari para pemimpin; perlu dibuatkan semacam peraturan-peraturan yang jelas dan tertulis; pengadaan ruang khusus untuk ruangan konseling.

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