scholarly journals MENGGALI NILAI-NILAI ETIKA SYARIAH PEMBIAYAAN MUDHARABAH

2021 ◽  
Vol 6 (1) ◽  
pp. 1-14
Author(s):  
Rezky Maulida ◽  
Abdul Gafur ◽  
Isna Yuningsih
Keyword(s):  
Ethical Values ◽  
Islamic Bank

Tujuan penelitian ini adalah untuk memahami kesadaran etika syariah pelaku perbankan dalam pembiayaan mudarabah bank syariah. Penelitian menggunakan paradigma Islam melalui adopsi pendekatan fenomenologi Islam, melalui wawancara terhadap tiga orang pelaku perbankan BNI Syariah cabang Samarinda dan satu orang ahli fikih. Hasil penelitian menunjukkan bahwa kesadaran etika syariah pelaku perbankan berdasar pada nilai hasanah, dakwah, dan matematika akhirat dalam pemberian layanan pembiayaan mudarabah, melalui kepatuhan terhadap norma syariah yang mengatur akad mudarabah.   Abstract: Exploring the Sharia Ethical Values of Mudharabah Financing. The purpose of this research is to understand the awareness of sharia ethics in banking actors in Islamic bank mudarabah financing. This research uses the Islamic paradigm through the adoption of the Islamic phenomenology approach, through interviews with three BNI Syariah banking actors in the Samarinda branch and one jurisprudence expert. The results show that the awareness of sharia ethics in banking actors is based on the value of hasanah, da'wah, and the hereafter mathematics in providing mudarabah financing services, through compliance with sharia norms that govern the mudarabah contract.

Ethical consideration of Islamic banks in Pakistan: an empirical analysis

2021 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Fatima Khaleel ◽  
Pervez Zamurrad Janjua ◽  
Mumtaz Ahmed
Keyword(s):  
Banking Sector ◽  
Annual Reports ◽  
Survey Method ◽  
Future Research ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Ethical Values ◽  
Content Type ◽  
Islamic Bank ◽  
Finance Ethics

Purpose The purpose of this paper is threefold. First, it assesses communicated (information disclosed in annual reports and websites) ethical values of Islamic banks (IBs) by using an index based on Islamic precept. Second, this research paper analyzes the perception of employees working in IBs of Pakistan regarding previously mentioned dimensions constructed in the form of index. Third, it explores the difference (if any) between communicated and perceived ethical values of IBs in Pakistan. Design/methodology/approach This study incorporated two research methods, namely, content analysis (qualitative method) and descriptive analysis (quantitative method) to assess communicated and perceived ethical values. A checklist was designed that includes total six dimensions with 106 items or constructs. For perceived ethics, survey method is used to explore how far in practice IBs are operating in line with Islamic finance ethics in Pakistan by distributing questionnaires among employees. Findings This research study revealed overall satisfactory communicated and perceived ethical values in IBs of Pakistan. It is generally concluded that Meezan Bank is doing well in all dimensions as compare to other three banks in Pakistan. Some banks such as Dubai Islamic Bank and Albaraka Islamic bank lack proper format of annual reports. It recommended proper training and development of employees particularly about Islamic banking products and procedure. Moreover, it is recommended to take initiative of attracting female segment of the society and environment protection related campaigns. Research limitations/implications Because of data and time constraints, an extended beneficiary analysis could not be materialized in this study. Therefore, for future research, it is recommended to expand the stakeholders’ analysis beyond employees of IBs. Practical implications This study may be helpful for policymakers and other stakeholders to improve the image and for further growth of IBs in Pakistan. Social implications This study is the part of corporate social responsibility, so it will add value to social norms of banking sector and provide different dimensions and constructs based on Islamic ethical and moral system. It highlights banker’s responsibilities toward society. Originality/value This paper supports the phenomena of Islamic banking and finance in emerging markets and shows its potential growth for the economy.

ALTERNATIF PERHITUNGAN RETURN SHAHIBUL MAL PADA SKEMA MUDHARABAH BANK SYARIAH

2020 ◽  
Vol 3 (2) ◽  
Author(s):  
Refky Fielnanda
Keyword(s):  
Rapid Development ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Theoretical Level ◽  
Method Of Calculation ◽  
Islamic Bank ◽  
Representative Office ◽  
Operational Practices ◽  
Computerized System ◽  
Practical Level

Abstract: The rapid development of the number of islamic banks should be balanced with the availability of infrastructure to carry out daily operational practices. The operational tools include hardware as like as representative office, computerized system, reliable human resources and software as like as method, culture and financial and islamic banking knowledge. In terms of development of Islamic finance is the paper "Alternative Calculation of Return Shahibul Mal on Mudharabah Scheme on Bank Syariah" was written. During this calculation of return shahibul mal has not been standardized in a formula, thus causing two serious effects. First, in the theoretical level, the formula has not yet created a difficulty. Secondly, in practical level, the formula is not impressive enough to recalculate the complexity of return calculations obtained by shahibul mall, causing laziness of the community using the services of islamic bank. This paper using mathematical and arithmetic equations with the help of modeling made by the author to refine and improve the method of calculation that has been available. The purpose of this paper is to create a standard formula that facilitates the calculation of return earned by a shahibul mal in a mudaraba scheme in a islamic bank.  

Kajian pelu dan tidaknya penambahan term Budi Pekerti dalam konten buku Pendidikan Agama Islam dan Budi Pekerti untuk siswa SMU

1969 ◽  
Vol 7 (2) ◽  
pp. 61
Author(s):  
Salim Ashar
Keyword(s):  
Religious Education ◽  
Secondary Data ◽  
Holistic Education ◽  
Islamic Education ◽  
Ethical Values ◽  
Library Research ◽  
Split Personality ◽  
Objective View ◽  
The Right ◽  
Scientific Value

Character is a complicated issue, even considered an abstract problem. It is said to be abstract because the concept of manners is not yet operational. While good and bad standards for morals are in the objective view of God the Creator of man. If the character is ethics, it is very dangerous, because some of its value will be contrary to the moral lessons that exist in religious subjects. When both are taught (ethics and morals) then the threat is the students will later experience what is called a split personality, that is split personality. Students become confused because there are conflicting values, such as good values ​​in the sense of morals and good value in manners (call: ethics). There is no honest terminology of Arabic versions, honest English versions, false witnesses of Arabic and French versions, as there is no terminology about Arab or Turkish morality. This applies to humans when there is a pattern of intersection between ethical values ​​and customs: ethical values ​​derive from the "right" way (revelation), whereas customs are derived from the habits The purpose of this study are: 1) Describing whether or not the addition manners in the lessons of Islamic Religious Education. 2) Describe the material (content) in the lesson of Islamic Education and the intersection of Budi Pekerti based on traditional perspectives. This study uses "Library Research". The research data used is secondary data. Data collection techniques used are documentation. Data processing is done by conducting the activity of review, verification and reduction, grouping and systematization, and interpretation or interpretation so that a phenomenon has social, academic, and scientific value. From the results of the discussion concluded: 1) Based on the perspective of Islam, the lessons of Islamic Religious Education need not be added with the character, because in fact holistic education includes in the Islamic Religious Education. 2) The content of Islamic Religious Education should include aspects of Islam, ie Aqidah, Shari'ah and Akhlak which are taught in a balanced way, but the lesson of character can be combined as long as the adat is the custom of the Muslims.

TINJAUAN HUKUM FIKIH TERHADAP HADIAH TABUNGAN DAN GIRO DARI BANK SYARI'AH

ALQALAM ◽  
2013 ◽  
Vol 30 (1) ◽  
pp. 1
Author(s):  
Muhammad Nadratuzzaman Hosen ◽  
Deden Misbahudin Muayyad
Keyword(s):  
Islamic Law ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Literature Reviews ◽  
The Gift ◽  
The Status ◽  
The Law

This article explains about the Islamic law of gift from Bank to customers related to saving and gyro accounts of Islamic Bank. The Islamic Banks give gift directly  and  indirectly  to  new  ettstomers  and  old  customers  through drawing  (qur'ah) or lottery and non-drawing. There are disputes (ikhtilaf) among Islamic Law  Experts (Fuqaha’) about the status of law when Islamic Banks give the gift. Hanafi and  Syafi'i  Schools  of thought  opined  that  the gift  can  be given  to  the customers as long as there is no agreement between bank and costomers meanwhile the banks still have a debt to consumers, this is permissible. Maliki and Hanbali schools opined that the gift is not permissible during the time of borrowing and lending. Majority Islamic Exsperts allow to give gift after banks have already paid­ back the debt to consumers as long as there is no agreement between bank and cusiomers, but Maliki School do not allow lo give gift at that condition. Also, for giving gift should free from gambling or elements of gambling (muqamarah).  The method of this article is using literature reviews from classical Islamic Law's books and contemporary Islamic law's books related to drawing or lottery and gambling, meanwhile the aims if this mticle are to investigate the law status if gift from bank to new customers and old customers with direct and indirect ways.   Keywords : gift, saving and gyro accounts, disputes, drawing and elements of gambling

CORE ETHICAL VALUES PENDIDIKAN KARAKTER (Berbasis Falsafah Negara)

2017 ◽  
Vol 2 (2) ◽  
pp. 21
Author(s):  
Dian Widiantari
Keyword(s):  
Ethical Values

Karakter adalah kesatuan antara pola pikir (logos), nurani (ethos), dan sikap (patos). Karakter adalah nilai-nilai perilaku manusia yang berhubungan dengan Tuhan, manusia, lingkungan, kebangsaan dan dirinya sendiri yang tercermin dalam fikiran, sikap, perasaan, perkataan, perbuatan berdasarkan norma agama, hukum, tata karma, budaya dan adat istiadat. Pendidikan karakter adalah penanaman nilai-nilai luhur kepada anak didik untuk mewujudkan pengetahuan, kesadaran atau kemauan, dan tindakan untuk melaksanakan nilai-nilai tersebut. Karakter bangsa merupakan cerminan karaktersitik warga negaranya  yang beragam budaya. Oleh karena itu karakter bangsa dibentuk berdasarkan nilai-nilai tradisi budaya masyarakat dan berdasarkan nilai luhur yang bersifat umum dan dapat diterima oleh semua masyarakat. Pancasila merupakan falsafah Negara Indonesia yang merupakan sumber dari segala sumber hukum. Oleh karena itu pancasila dijadikan sebagai salah satu core ethical values dalam mewujudkan pendidikan karakter di Indonesia. Kata Kunci : Nilai, Pendidikan Karakter dan Falsafah Negara

EFEKTIVITAS PEMASARAN BANK SYARIAH MENGGUNAKAN MEDIA SOSIAL INSTAGRAM DI INDONESIA” (Studi Kasus pada PT. BNI Syariah)

Paradigma ◽  
2020 ◽  
Vol 17 (1) ◽  
pp. 1-15
Author(s):  
Indriyani ◽  
Rizal Fahlevi
Keyword(s):  
Social Media ◽  
Rapid Development ◽  
Communication Media ◽  
Islamic Banking ◽  
Islamic Banks ◽  
Islamic Bank ◽  
Marketing Effectiveness

The purpose of this study is to see the level of marketing effectiveness carried out by Bank BNI Syariah using social media Instagram. The rapid development of Instagram in Indonesia has made Bank Negara Indonesia Syariah actively use this social media as a forum for promotion on Instagram under the account name @ bni.syariah. So it is recorded that as of January 2019 the @ bni.syariah account has the most followers or followers of 37.8 thousand. Then followed by the account @banksyariahmandiri 36.4 thousand followers, @brisyariah 32.5 thousand followers, @ bank.muamalat 25.7 thousands followers, @bankbjbsyariah 8,095 followers, @bankmegasyariah 5,619 followers, @hababankaceh 5,399 followers, @bank_syariahbukopin 2,736 followers, and @ panindubaisyariah.bank 263 followers. Instagram is effectively used as a marketing medium for Islamic banks, especially for BNI Syariah, which is effectively used as a media for promotion and communication media with BNI Syariah customers. With the existence of Instagram as a marketing medium for Islamic banks, in this case BNI Syariah is very helpful in introducing Islamic bank products and helping to increase BNI Syariah revenue itself. Although, currently Instagram social media is only used as a promotional media or the first media for BNI Syariah to introduce Islamic banking products and is also used as a medium of communication with active BNI Syariah customers. So that any complaints or problems, especially related to service, customers can immediately submit complaints to BNI Syariah via Instagram, and problems can be resolved according to the customer's needs.

Internalisasi Nilai-Nilai Karakter dalam Petuah Sumbang Duo Baleh Bagi Mahasiswi Asal Minangkabau di Kota Purwokerto Tahun 2016

2016 ◽  
Vol 1 ◽  
pp. 44-59
Author(s):  
Nisa Islami
Keyword(s):  
Character Education ◽  
Qualitative Approach ◽  
Ethical Values ◽  
Student Community ◽  
Education Value

This study used a qualitative approach which aims to find the process of internalization of the character education value through sumbang duo baleh  on the Minang students in Purwokerto. The results showed:  (1) Students Minang know and understand twelve ethics contained in sumbang duo baleh. (2) Through the student community the Minang value trying preserved and maintained as a manifestation of their love of Minang culture. (3) To actualize the ethical values on the basis of daily awareness of the positive values contained in sumbangduo baleh so that they can distinguish between good and bad. (4) Due to the openness of education for women can be a net gain as well as challenges to face the modernization and become a factor of a shifting values for Minangkabau students, therefor understanding and applicating of sumbang duo baleh became faded.

PENGARUH KUALITAS PRODUK DAN RELIGIUSITAS TERHADAP KEPUTUSAN NASABAH PRODUK SIMPANAN PADA BSM CABANG PURWOKERTO

2017 ◽  
Vol 4 (1) ◽  
pp. 189-215
Author(s):  
Yoiz Shofwa Shafrani
Keyword(s):  
Regression Analysis ◽  
Product Quality ◽  
Linear Regression Analysis ◽  
Multiple Linear Regression Analysis ◽  
Analytical Tool ◽  
The Other ◽  
Financial Assets ◽  
Islamic Bank

Perkembangan dunia perbankan syariah tidak lepas dari peran para nasabah yang memberikan kepercayaan terhadap pihak perbankan untuk penyimpanan asset keuangannya. Faktanya banyak kelompok nasabah yang memutuskan untuk menjadi nasabah di perbankan syariah karena faktor religiusitasnya. Faktor lain yang dapat ikut mempengaruhi keputusan nasabah adalah kualitas produk. Di mana kualitas produk merupakan karakteristik yang melekat dari suatu produk. Kemungkinan yang terjadi bahwa kebanyakan nasabah pada perbankan syariah juga masih merupakan nasabah perbankan konvensional.Tujuan yang ingin dicapai dalam penelitian ini adalah untuk mengetahui pengaruh kualitas produk dan tingkat religiusitas nasabah terhadap keputusan nasabah untuk menyimpan dananya atau tidak di BSM Cabang Purwokerto. Alat analisis yang digunakan adalah analisis regresi linier berganda, dengan jumlah sampel 100 nasabah. Diperoleh hasil Y = 5,046 + 0,101X1 + 0,218X2. Berdasarkan uji F yang sudah dilakukan maka dapat diketahui bahwa variabel kualitas produk dan religiusitas secara bersama – sama berpengaruh terhadap keputusan nasabah untuk menyimpan dananya di BSM Cabang Purwokerto. Berdasarkan uji t yang sudah dilakukan dapat diketahui bahwa secara partial baik variabel kualitas produk maupun variabel religiusitas berpengaruh terhadap keputusan nasabah untuk menyimpan dananya di BSM Cabang Purwokerto. The progress of the Islamic bank cannot be separated from the role of its customers who give trust to the bank to deposit their financial assets. It is a fact many groups of customers decide to be the customers of the Islamic bank because of their religiosity. The other influences factor of a customer’s decision is the quality of the product. The aim of this research was to determine the effect of product quality and level of customers’ religiosity towards customers’ decision whether to keep their funds in Syariah Mandiri Bank, Branch of Purwokerto, or not. The analytical tool used was multiple linear regression analysis, with a sample of 100 customers. The results indicate Y = 5,046 + 0,101X1 + 0,218X2. Based on F, it can be seen that both variables of product quality and religiosity simultanously affect the customers’ decision to keep theirfunds in BSM Branch of Purwokerto. Based on t test, it can be seen that independently, either variable of product quality or variables of religiosityinfluences the customers’ decision to keep their funds in BSM Branch of Purwokerto.

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