scholarly journals Uang Elektronik: Praktik dan Substansi Dari Perspektif Keuangan Syariah (Studi Kasus: BCA Flazz & Go-Pay)

2021 ◽  
Vol 4 (2) ◽  
pp. 133-145
Author(s):  
Adi Martono ◽  
Yuddy Yudawirawan
Keyword(s):  
Open Space ◽  
Study Data ◽  
Point Of View ◽  
Islamic Banks ◽  
Muslim Community ◽  
Electronic Money ◽  
Bank Deposits ◽  
The World ◽  
Conventional Banks

The use of electronic money as a transaction tool in everyday life is a necessity, people use the money to pay for various needs such as buying goods in the marketplace, buying food online, KRL train tickets, paying toll tickets and others. On the other hand, the use of electronic money in society raises questions, especially for Muslims. Is electronic money as a medium of exchange in accordance with the Qur'an and As-Sunnah? Several Indonesian Muslim scholars who are concerned about the practice of Muamalah Maaliyah have given their thoughts and opinions on the use of electronic money. This paper is a step in answering this question. This paper will try to provide an explanation why the use of electronic money is not in accordance with the Qur'an and As-Sunnah. This research uses case study – qualitative research as research methodology. For this study, data were collected from documentation: Bank Indonesia regulations, the fatwa of the Sharia Council-Indonesian Ulema Council (DSN-MUI), fatwas of world scholars, instructions for the use of electronic money from banks/issuing companies, participant observations and observations, namely as users of electronic money who also use electronic money. Experienced as a banker in a state-owned bank. Using this method, this research will explore and explain how electronic money is managed and why some Muslims doubt this money. The conclusion of this study is that Bank Indonesia as the regulator and DSN-MUI issued a fatwa and this is in line with the fatwa issued by Majma' al-Fiqh al-Islami under the World Muslim League in its decision No. 86, 3/9 explains that “bank deposits, both in Islamic banks and conventional banks, from the fiqh point of view are debt, having different views on the concept and characteristics of electronic money used in Indonesia. The solution to this problem is that Bank Indonesia as a regulator needs to open space so that electronic money that is in accordance with sharia provisions can be realized so that the interests of the Muslim community are met. Abstrak Penggunaan uang elektronik sebagai alat transaksi dalam kehidupan sehari-hari adalah suatu keniscayaan, masyarakat menggunakan uang tersebut untuk membayar berbagai keperluan seperti membeli barang di marketplace, membeli makanan secara online, tiket kereta api KRL, membayar tiket tol dan lain-lain. Di sisi lain, penggunaan uang elektronik di masyarakat menimbulkan pertanyaan terutama bagi umat Islam. Apakah uang elektronik sebagai alat tukar sesuai dengan Al-Qur'an dan As-Sunnah? Beberapa cendekiawan muslim Indonesia yang concern terhadap praktik Muamalah Maaliyah telah memberikan pemikiran dan pendapatnya tentang penggunaan uang elektronik. Tulisan ini merupakan langkah dalam menjawab pertanyaan tersebut. Tulisan ini akan mencoba memberikan penjelasan mengapa penggunaan uang elektronik tidak sesuai dengan Al-Qur’an dan As-Sunnah. Penelitian ini menggunakan studi kasus – penelitian kualitatif sebagai metodologi penelitian. Untuk penelitian ini data dikumpulkan dari dokumentasi: ketentuan Bank Indonesia, fatwa Dewan Syariah-Majelis Ulama Indonesia (DSN-MUI), fatwa ulama sedunia, instruksi penggunaan uang elektronik dari bank/perusahaan penerbit, observasi dan observasi partisipan yaitu sebagai pengguna uang elektronik yang juga berpengalamanan sebagai bankir di bank milik pemerintah. Dengan menggunakan metode ini, penelitian ini akan mengeksplorasi dan menjelaskan bagaimana uang elektronik dikelola dan mengapa sebagian umat Islam meragukan uang ini. Kesimpulan dari penelitian ini adalah Bank Indonesia selaku regulator dan DSN-MUI yang mengeluarkan fatwa dan ini sejalan dengan fatwa yang dikeluarkan oleh Majma’ al-Fiqh al-Islami di bawah Liga Muslim Dunia dalam keputusannya No. 86, 3/9 menerangkan bahwa “simpanan bank, baik di bank Islam maupun bank konvensional, dari sudut pandang fiqih merupakan hutang, memiliki pandangan yang berbeda mengenai konsep dan karakteristik uang elektronik yang digunakan di Indonesia. Solusi dari permasalahan ini adalah Bank Indonesia sebagai regulator perlu membuka ruang agar uang elektronik yang sesuai dengan ketentuan syariah dapat diwujudkan sehingga kepentingan masyarakat muslimin terpenuhi. Kata Kunci: Uang Elektronik, Bank, Penerbit Uang Elektronik, Riba

Magic Lanes

2020 ◽  
Author(s):  
Melissa Cate Christ ◽  
Hendrik Tieben
Keyword(s):  
Design Process ◽  
Open Space ◽  
Pilot Project ◽  
Population Densities ◽  
Open Spaces ◽  
Planning And Design ◽  
Public Open Space ◽  
The World ◽  
Physical Features

With one of the highest population densities in the world, Hong Kong suffers from a lack of public open space. Despite this situation, open spaces provided by government authorities or private developers often do not meet residents’ needs or include residents in the planning and design process. To explore one way that this issue is being addressed, this chapter describes an ongoing placemaking project within Hong Kong’s interstitial network of laneways (里) and alleys (巷). The key historical, sociocultural, and physical features, opportunities, and constraints of these in-between spaces are discussed. This is followed by an in-depth exploration of the case study Magic Lanes, a pilot project that aims to provide more inclusive public open spaces through placemaking and community co-creation.

Pandangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Airlangga Tentang Kepatuhan Syariah di Bank Syariah

2015 ◽  
Vol 2 (2) ◽  
pp. 147
Author(s):  
Siti Asmaul Usnah ◽  
Noven Suprayogi
Keyword(s):  
Corporate Culture ◽  
Group Discussion ◽  
Supervisory Board ◽  
Study Data ◽  
Business Faculty ◽  
Student Groups ◽  
Islamic Bank ◽  
Data Collection Technique ◽  
Conventional Banks

Sharia compliance is the main pillar that distinguishes between Islamic banks and conventional banks. Nevertheless, there is still debate among people who use the services of Islamic banking about sharia compliance regarding to the principles of sharia. This research aimed to investigate the customer’s perception of Islamic bank in the scope of Economic and Business Faculty Airlangga University students regarding to sharia compliance practice in Islamic bank which is seen from the concept and indicators of sharia compliance.This research used qualitative approach with a case study. Data collection technique in this research used a Focus Group Discussion (FGD) that consist of four group students of the Economic and Business Faculty Airlangga University from four majors: Economics, Management, Accounting, and Islamic Economics. This research was analyzed using domain and componential analysis.The result of this research showed that sharia compliance concept in Islamic bank that has been agreed by all of four student groups of Economic And Business Faculty of Airlangga University was sharia principles practice in Islamic bank operational system. There were four indicators of sharia compliance which had been agreed by all of four group students of Economic And Business Faculty of Airlangga University. They were akad as according to sharia, corporate culture as according to sharia, lending scheme as according to sharia, halal source of funds. Whereas the indicators which weren’t agreed yet by all of four groupstudents of Economic And Business Faculty of Airlangga University were the existence of Sharia Supervisory Board , financial statements which were reported as according to sharia accounting, and zakat funds.

Managing the women managers: a case study of paper bag makers

2015 ◽  
Vol 5 (2) ◽  
pp. 1-17
Author(s):  
Anupma Srivastava ◽  
Amita Marwha
Keyword(s):  
Women Workers ◽  
Human Resource ◽  
Informal Sector ◽  
Urban Poor ◽  
Subject Area ◽  
Point Of View ◽  
Content Type ◽  
The World ◽  
Management Students

Subject area Human resource management. Study level/applicability It is appropriate for graduate students majoring in human resource or business management. Students who are interested in studying Asian economies in the world, as they are the most growing economies in the world and at the same time have a shocking number of people employed in the informal sector. Case overview This case study talks about women workers who face a glass ceiling at the management level and deplorable working conditions at the informal level. This case involves women in the paper bag-making business, a part of the urban informal sector. The paper bag-making business provides employment and income generation for the urban poor. The focus in this study is on women production workers, rather than entrepreneurs or professional managers. Focus of the study will be on the change in the pattern of income distribution within the family-based household, the degree of bargaining power derived from productive work and income and impact of technology on the plight of unskilled women force and how technology and vocational training can lead to utilization of manpower being wasted because of lack of synergy between technology and the informal sector in India. Expected learning outcomes Four key points of selection, training, assessment and leadership all have been addressed in this case study, and the relevance of these points is important from the point of view of management students who have to understand the linkages and the hidden costs these informal sector occupations come with and then to device an appropriate strategy to bring and use these human resources to their full capacity by utilizing the existing resources instead of adding new ones, which in development economics is known as Solow residual. Supplementary materials Teaching notes are available for educators only. Please contact your library to gain login details or email [email protected] to request teaching notes.

scholarly journals Non-Performing Finance in Sharia Financial Institutions in Indonesia: A Case Study Of BPRS Adeco (Aceh Development Corporate)

2019 ◽  
Vol 11 (1) ◽  
Author(s):  
Nur Hidayah ◽  
Tabrani Tabrani
Keyword(s):  
Risk Management ◽  
Financial Institutions ◽  
Islamic Banks ◽  
Structured Interviews ◽  
Financing Risk ◽  
City District ◽  
Conventional Banks ◽  
High Level ◽  
Finance Risk

High level of Non-Performing Finance (NPF) has become one of risks facing intermediary financial institutions including Islamic banks. Indonesia’s Financial Authority found that NPF ratio of Islamic banks is relatively higher (4,12%) that the one of conventional banks (2,96%) (OJK 2017). Literature indicate the influence of bank’s internal and external factors on high NPF. This study aims to analyze the factors that influence the high level of NPF and its settlement and strategies to reduce the level of NPF in Sharia Rural Banking (BPRS/Bank Perkreditan Rakyat Syariah). Taking BPRS Adeco (Aceh Development Corporate) in Langsa City District, Aceh, as a case study, this research takes a qualitative approach. Through a survey to 26 BPRS Adeco employees and semi-structured interviews with 4 employees, this study found three factors leading to an increase in the NPF ratio, namely weak bank’s financing risk management, changing economic conditions and regulations, and the conditions of customers who are vulnerable to socio-economic change. It found that the NPF can be gradually resolved by intensifying the communication to the delinquent customers followed by policies of restructuring the customers’ financing. It also found that the strategies to reduce NPF ratios include improving bank risk financing management, upgrading the quality of human resources in risk management, and providing business mentoring and coaching to the customers. It can be concluded that the strategies made by the BPRS ADECO succeeded in reducing the NPF rate from 15.62% in the June 2012 period to 3.60% in the December 2018 period. The finding implies that Islamic financial institutions, including BPRS, urgently need good finance risk management, particularly in monitoring the financed customers’ business and in mitigating external conditions of the economy and their changing related regulations in order to settle the problem of non-performing finance and to strengthen their finance risk management.

scholarly journals A Study on the Customer’s Acceptance Towards Islamic Banking Products Among Non-Muslim in Dual Banking System

2016 ◽  
Author(s):  
Juwairiah Mohamad ◽  
Muhammad Fakhirin Che Majid
Keyword(s):  
Banking System ◽  
The Self ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Positive Perception ◽  
Conventional Banks ◽  
Muslim Communities ◽  
The Relationship ◽  
Self Administered Questionnaire

Islamic banking products (IBP) are offered not only to the Muslim community, but also to communities of other religions who are free to choose products depending on their convenience. According to a report, the percentage of non-Muslim communities choosing IBP in Malaysia has been steadily increasing and is expected to continue to increase in future. The Dual Banking System is one of the initiatives that has been created in conventional banks as an extra facility for the communities to engage with IBP easily without going to Islamic Banks. This paper aims to study the factors that drive non-Muslim customers to accept IBP. Specifically, this paper examines the relationship between four factors: knowledge, understanding, perception and the level of awareness among non-Muslim customers regarding their acceptance on IBP in the Dual Banking System. About 140 non-Muslim IBP customers of the Dual Banking System around Changlun, Jitra and Alor Setar were selected based on convenience and were randomly picked as respondents of this study. Some data were also collected through interviews with the bank personnel and the bank’s customers besides the self-administered questionnaire survey. Employing the SPSS approach, the hypotheses of the study were tested. The findings showed that there are significance relationships between customer’s knowledge, understanding, positive perception, and the level of awareness perceived among non-Muslim customers and their acceptance of IBP.   Keywords: Islamic banking products; non-Muslim customers; acceptance.

scholarly journals The Roles of Information Technology in Islamic Bank Knowledge Management: A study of Two Syariah Banks in Palu

2017 ◽  
Vol 13 (2) ◽  
pp. 181
Author(s):  
Nurdin Nurdin
Keyword(s):  
Information Technology ◽  
Social Media ◽  
Knowledge Management ◽  
Future Research ◽  
Islamic Banks ◽  
Study Approach ◽  
The Social ◽  
Management Project ◽  
Conventional Banks

Information technology has been considered as a vital tool  for modern organizations  to support their knowledge management projects. Previous studies have found that success knowledge management projects were supported by various information technology infrastructures. They addressed how information technology has succesfully implemented to support knowledge management project within conventional banks. However, limited study has been proposed regarding how information technology play roles in support knowledge management project within Islamic banks. Through the case study approach, the author studied the use of information technology for knowledge management process within two Bank Syariah (Bank Mandiri and Bank BNI Syariah) in Palu Central Sulawesi. The author collected data through observation, written material, and  in-depth interviews with key informants from both banks. The findings show that information technology infrastructures have played important roles in support knowledge management projects within the Islamic banks. Those information technology infrastructures includes internet, intranet, websites, communication application such as email, and social media.  This study sheds light and provides new insight on how information technology has succesfully used to support knowledge management within Islamic banks. The results benefits both academic and practioners in Islamic banks and knowledge managemet area. As the social media was an important finding for knowledge management in Islamic banks,  future research need to focus on how social media should be used for knowledge management projects in Islamic banks

scholarly journals Global instability of currencies: reasons and perspectives according to the state-corporation hegemonic stability theory

2015 ◽  
Vol 35 (1) ◽  
pp. 175-198 ◽  
Author(s):  
DARIUSZ ELIGIUSZ STASZCZAK
Keyword(s):  
Stability Theory ◽  
Transnational Corporations ◽  
Point Of View ◽  
Negative Consequences ◽  
Global Instability ◽  
Electronic Money ◽  
Monetary System ◽  
The World ◽  
State Corporation ◽  
Hegemonic Stability

This paper analyses reasons of the instability of the world monetary system. The author considers this problem from historical and contemporary perspectives. According to presented point of view banknotes and electronic money which replaced gold and silver coins in popular circulation are the most important reason of the instability. There are also proven positive and negative consequences of money instability. Reforms of the world monetary system need agreement within the global collective hegemony of state-powers and transnational corporations.

scholarly journals Perceptions and Role of Tourist Destination Residents Compared to Other Event Stakeholders in a Small-Scale Sports Event. The Case of the FIS World Junior Alpine Ski Championships 2019 in Val di Fassa

2019 ◽  
Vol 11 (24) ◽  
pp. 6909 ◽  
Author(s):  
Filippo Bazzanella
Keyword(s):  
Sustainable Development ◽  
Qualitative Method ◽  
Point Of View ◽  
Small Scale ◽  
Tourist Destination ◽  
The Sustainable Development ◽  
Sports Events ◽  
The World

The role of stakeholders is critical in addressing challenges with or problems in small-scale sports events. The purpose of this study is to investigate the perceptions of the event stakeholders toward sports events, with a particular focus on the role of residents in a tourist destination. The goal is to understand their perceptions with respect to different topics and in particular to the sustainable development of the tourist destination. This case study focuses on the World Junior Alpine Ski Championships 2019 in Trentino Val di Fassa—Italy (JWC2019). Applying a mixed methodology, the study analyzes the stakeholders during the sports event (quantitative method) and the point of view of the residents in their stakeholder role after the sports event (qualitative method). The main findings of this study show that residents differ from tourists and other stakeholders in terms of their perception of the event and its strengths. But when it comes to the perceptions regarding the territory, the groups of stakeholders analyzed do not seem to have systematically different opinions. Some paradoxes do, however, emerge with respect to the residents’ awareness of their role as stakeholders and the implications of the event with respect to sustainability and how such an event may underpin a concept of sustainable development for the territory as a whole.

Peer Leadership and Shared Mental Models in a College Volleyball Team: A Season Long Case Study

2014 ◽  
Vol 8 (2) ◽  
pp. 184-203 ◽  
Author(s):  
Edson Filho ◽  
Lael Gershgoren ◽  
Itay Basevitch ◽  
Robert Schinke ◽  
Gershon Tenenbaum
Keyword(s):  
Mental Models ◽  
Current Knowledge ◽  
Study Data ◽  
Point Of View ◽  
Shared Mental Models ◽  
Future Research ◽  
Team Leaders ◽  
Initial Attempt ◽  
Sport Teams

The present study was an initial attempt to capture and describe instances of shared mental models within a team from the point of view of the team captain. Specifically, the purpose of this study was to describe a range of perceived and shared behaviors aimed at facilitating the overall performance of a college volleyball team from the perspective of the team captain. This behavioral focus is congruent with the need for documenting observable task and team-related coordination mechanisms. Symbolic interactionism, via the use of systematic observations, documental analysis, and semistructured open-ended interviews, was used to gather data from the participant in the form of a case study. Data were analyzed using Braun and Clarke’s (2006) theoretical thematic analysis based on categories derived from Eccles and Tenenbaum’s (2004) Conceptual Framework of Coordination in Sport Teams. Results indicated that the player’s actions were perceived as enhancing proactive information sharing within her team. Therefore, it is suggested that team leaders possess important objective and symbolic roles in the promotion of shared mental models. These results are further discussed in relation to current knowledge of shared mental models in sports. Limitations and directions for future research are outlined.

scholarly journals LAHIRNYA PERBANKAN SYARI’AH DI INDONESIA

2019 ◽  
Vol 1 (1) ◽  
pp. 35-54
Author(s):  
Rita Mulyani
Keyword(s):  
Islamic Banking ◽  
Islamic Banks ◽  
Muslim Community ◽  
Muslim Population ◽  
Islamic Bank ◽  
Muslim Countries ◽  
The World ◽  
The Difference ◽  
The Many ◽  
Conventional Bank

With the development of increasingly advanced times, the bank continues to make new innovations so that at this time the bank is no longer just an institution that functions to collect and distribute funds, but at the same time also as an intermediary in the payment traffic. However, the Muslim community strives to realize banking based on sharia principles. For this reason, several Muslim countries have slowly begun to establish Islamic Banks. The development of Islamic banking is quite significant in several countries, but of the many countries, Indonesia actually has a different side. The difference lies in the term used to refer to a non-conventional bank. While other countries commonly refer to it as an Islamic Bank, in Indonesia it is actually called the Sharia Banking because the idea of ​​the Islamic Bank is alleged to have contained political and SARA elements. With high stretches owned by several Muslim countries to establish shari'ah banking, Indonesia as the country with the largest Muslim population in the world established the first sharia banking under the name Bank Muamalat Indonesia (BMI) which was officially operated in 1992. From year to year, Sharia banking growth is very fast. Keywords : Banking, Sharia Banking,Indonesia.   Abstrak Dengan perkembangan zaman yang semakin maju, bank terus melakukan inovasi baru sehingga pada saat ini bank tidak lagi hanya sekedar lembaga yang berfungsi menghimpun dan menyalurkan dana saja, namun sekaligus juga sebagai intermediasi dalam lalu lintas pembayaran. Namun, komunitas Muslim berusaha untuk mewujudkan perbankan berdasarkan prinsip syariah. Atas dasar alasan inilah, beberapa negara muslim perlahan mulai mendirikan Bank Islam. Perkembangan perbankan Islam cukup signifikan terjadi di beberapa negara, tetapi dari sekian banyak negara, Indonesia justru memiliki sisi yang berbeda. Perbedaan tersebut terletak pada istilah yang dipakai untuk menyebut bank yang nonkonvensional.Di saat negara-negara lain lazim menyebutnya sebagai Bank Islam, di Indonesia justrumenyebutnya Bank Syari’ah karena istilah Bank Islam diduga mengandung unsur politik dan SARA.Dengan geliat tinggi yang dimiliki oleh beberapa negara muslim untuk mendirikan perbankan syari’ah, Indonesia sebagai negara dengan populasi muslim terbesar di dunia mendirikan perbankan syariah pertama dengan nama Bank Muamalat Indonesia (BMI) yang secara resmi beroperasi pada tahun 1992.Dari tahun ke tahun, pertumbuhan perbankan syari’ah sangatcepat. Kata Kunci : Perbankan, Perbankan Syariah, Indonesia.

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