scholarly journals Eksistensi Obligasi Syariah (Sukuk) Korporasi di Indonesia pada Masa Pandemi

2021 ◽  
Vol 5 (2) ◽  
pp. 143-151
Author(s):  
Imroatus Sholiha ◽  
Nani Hanifah
Keyword(s):  
Financial Institutions ◽  
Capital Market ◽  
Research Method ◽  
Journal Articles ◽  
Collection Method ◽  
Related Data ◽  
Library Research ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
One Year

This article explained how the existence of corporate sharia bonds (Sukuk) during the pandemic. Sukuk was one of the instruments owned by Islamic financial institutions, namely the Islamic capital market. The existence of the coronavirus had existed for one year. By using the library research method, and using qualitative descriptive, namely the method by describing and interpreting the existence of Islamic bonds (Sukuk) in the pandemic period qualitatively, namely the description and description in words based on library data, journal articles, OJK and related data. The data collection method used the documentation method then the data was processed so that it completes this article. The results showed that the record was the outstanding value of Sukuk from 2016 to January 2021 had increased from 11.88 trillion to 30.25 trillion. Meanwhile, the number of outstanding Sukuk had experienced a good development from 2016-January 2021, namely from 53 to 161. And the accumulated value of Sukuk issuance had also increased, from 2016-January 2021 from 20.43 trillion to 55.15 trillion. Meanwhile, the accumulated number of Sukuk issuances also increased from 102 to 274.

scholarly journals Analysis of the Concept of Bill Discounting in Sharia Banking (DSN-MUI Fatwa Study No. 58/DSN-MUI/V/2007)

2021 ◽  
Vol 4 (1) ◽  
pp. 337-348
Author(s):  
Sahlan Sahlan
Keyword(s):  
Financial Institutions ◽  
Common Good ◽  
Research Method ◽  
Islamic Banking ◽  
The Common Good ◽  
Islamic Bank ◽  
Library Research ◽  
Islamic Financial Institutions ◽  
The Common ◽  
Bank Bill

This research examines the analysis of the DSN-MUI fatwa No. 58 / DSN-MUI / V/ 2007 concerning Hiwālah practice which is currently being applied in Islamic Financial Institutions. Bill discounting is a contract for providing services to a Sharia (Islamic) Bank in the form of takeover of customer debt by the Bank. Bill discounting is not intended to seek profit, but to facilitate the implementation of financing because Bill Discounting includes multi-service financing. The main objective of DSN-MUI in implementing the contract is to maintain the common good. Thus allowing for quick and simultaneous debt settlement. In this article, the main problem is how the concept of bill discounting in Islamic Banking according to the DSN fatwa No. 58 / DSN-MUI / V / 2007. The research method used is library research with the uṣūlī approach. The conclusion of this study is that one of the principles of DSN is hifż al-māl (safeguarding assets) with financial institutions obliged to safeguard (amānah) customers' funds as well as possible.

scholarly journals IMPLEMENTASI NILAI-NILAI ISLAM DI PT SJP

2020 ◽  
Vol 7 (11) ◽  
pp. 2236
Author(s):  
Najmah Su'ad ◽  
Suherman Rosyidi
Keyword(s):  
Financial Institutions ◽  
Research Method ◽  
Construction Sector ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Female Employees ◽  
Descriptive Approach ◽  
Islamic Values ◽  
Conventional Bank

ABSTRAKPenelitian ini bertujuan untuk memaparkan nilai-nilai Islam yang diterapkan di SJP, tantangan apa saja yang dihadapi dan menguak alasan masih digunakannya lembaga keuangan konvensional dalam operasinya. Dengan pendekatan kualitatif deskriptif, metode yang digunakan adalah studi kasus. Wawancara dengan pimpinan perusahaan dilakukan untuk memperoleh data utama dan hasilnya dibandingkan dengan hasil observasi, dokumentasi dan wawancara dengan karyawan. Hasil penelitian menunjukkan perusahaan yang bergerak di bidang konstruksi ini menerapkan nilai-nilai Islam dengan memperbolehkan karyawati membawa anak ke kantor, pembagian zakat, serta program kurban dan umrah. Selain itu, perusahaan membangun Rumah Quran dan menjadi donatur tetap di pesantren dan masjid sekitar perusahaan. Usaha untuk mengislamkan perusahaan tidak selalu mulus. Beberapa situasi memaksa perusahaan menggunakan produk bank konvensional. Dalam situasi lain, kekeliruan pandangan pimpinan perusahaan terhadap lembaga keuangan syariah membuat lembaga keuangan konvensional masih digunakan.Kata Kunci: Penerapan nilai-nilai Islam di Perusahaan, Lembaga Keuangan Syariah, Manajemen Islami, Indonesia ABSTRACTThis research aims to describe Islamic values implemented by PT SJP, the challenges, and the reasons why they still use conventional financial institutions in their performances. Research method used was case study with qualitative-descriptive approach. The interview result with the head of the company was compared to the results of observation, documentation, and interview with the employees. The results of the research indicated that this company which engaged in the construction sector has implemented Islamic values by allowing female employees bring their children to the office, distributing zakat, as well as holding qurban and umrah programmes. Furthermore, the company built Rumah Quran and becomes a permanent donor to several Islamic boarding schools and mosques around them. Numerous efforts that have been done to make the company have Islamic values do not always go well. Some situations urge the company to use conventional bank products. In another situation, misperception of the head of the company on Islamic financial institutions makes conventional financial institutions still used.Keywords:  Islamic values in company, Islamic financial institutions, Islamic Management, Indonesia

scholarly journals Service Excellent For Islamic Micro Financial Institution During Covid-19 Pandemic

2021 ◽  
Vol 10 (1) ◽  
pp. 48-61
Author(s):  
Trimulato Trimulato ◽  
Muhlis Muhlis ◽  
Farid Fajrin ◽  
Supriadi Hamid ◽  
Trisno Wardy Putra
Keyword(s):  
Financial Institutions ◽  
Financial Institution ◽  
Microfinance Institutions ◽  
Service Excellence ◽  
Library Research ◽  
Analysis Technique ◽  
Excellent Service ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
The Impact

The development of Islamic financial institutions in Indonesia continues to increase. But, the development of Islamic finance institutions is hindered due to the impact of the Covid-19 outbreak. In particular, Islamic non-bank financial institutions include Islamic microfinance institutions (IMFI). SMEs that become the market segment of IMFI are affected by the Covid-19. Amid this condition, IMFI still has survived and developed and provides excellent service to customers. This study aims to determine the development of IMFI and to know the pattern of service excellence for IMFI in the condition of the Covid-19 outbreak. This research is qualitative and uses library research. Data sources obtained from several sources are considered relevant themes, especially sources of certain institutions that provide data relating to the development of IMFI. The data analysis technique used is a qualitative descriptive overview of the development of IMFI and service excellent pattern for amid the Covid-19 outbreak. Results showed the growth of IMFI in March 2021, whose assets experienced growth of 6.8 percent and financing growth of 13.66 percent. IMFI can do the excellent service pattern amid the Covid-19 outbreak, continues services as usually by following existing rules, increasing intensity of communication with customers, cooperating with other Islamic financial institutions, and improving service indirectly giving customers access.

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. 

Analisis Manajemen Pembiayaan Murobahah BMT

WADIAH ◽  
2019 ◽  
Vol 3 (1) ◽  
Author(s):  
Ryski Pebriana, Rofik Efendi
Keyword(s):  
Financial Institutions ◽  
Financial Services ◽  
Field Research ◽  
Animal Husbandry ◽  
Muslim Community ◽  
Savings And Loans ◽  
Management Function ◽  
Islamic Financial Institutions ◽  
Qualitative Descriptive ◽  
Descriptive Approach

The development of Islamic banking and Islamic financial institutions in Indonesia lately increasing. One reason is the strong belief in the Muslim community that banking and conventional financial institutions contain usury which is prohibited by Islam. The presence of Agritama Srengat Blitar BMT as Syari'ah savings and loans is intended to be a more innovative alternative in financial services, the financing process is also not complicated. The absence of an element of usury to Murabahah financing, and the ease of the process and conditions for financing, does not make more and more bad loans. The approach used in this research is a qualitative descriptive approach, while the type of research is field research, and the method of collecting data is observation, interview and documentation, which is using three steps, data reduction, file presentation and drawing conclusions.The results of this study indicate that: 1). Financing procedures at BMT Agritama Srengat Blitar use 5C analysis (character, capacity, capital, collateral, condition) and take into account a maximum radius of 10 km, but this does not apply to existing customers and customers who get recommendations from partners. 2). The implementation of Murabahah financing management has not been in accordance with the murabaha management function which includes planning, organizing, implementing, and controlling. Where the planning of murabahah financing is devoted to agriculture and animal husbandry, but in practice it is not appropriate, then in the implementation of murabahah financing using a wakalah contract it is signed together with murabahah. And the supervision conducted by BMT Agritama is not routinely visited to the place of business. Keywords : financing manajement, murabahah

scholarly journals IMPLEMENTATION OF RAHN IN SHARIA GOLD FINANCING AT MODERN ISLAMIC FINANCIAL INSTITUTIONS (CASE STUDY IN BANK BRI SYARIAH BRANCH OF PEKANBARU).

Hukum Islam ◽  
2018 ◽  
Vol 18 (1) ◽  
pp. 40
Author(s):  
AHMAD MAULIDIZEN
Keyword(s):  
Data Collection ◽  
Financial Institutions ◽  
Field Research ◽  
Islamic Banking ◽  
Financial Industry ◽  
Collection Method ◽  
Data Collection Method ◽  
Islamic Financial Institutions

Islamic Financing Products have started to grow rapidly in the current banking and financial industry at this time. This situation can be seen through the increase of Islamic banking assets for several years, in addition to the inclusion of more institutions offering Islamic products. Sharia Gold Pawn Products is the delivery of marhun (collateral goods) from the rahin (customers using mortgage financing) to the bank as a guarantee of part or all of the debt. This research is field (field research) with data collection method through observation, interview and documentation study in data collection. The author concludes that the application of Rahn's contract on Sharia gold mortgage financing at Bank BRI Syariah has been in accordance with the National Sharia Board Fatwa and there are several things that must be improved so as not to conflict with Sharia principles

scholarly journals AKAD MURĀBAḤAH; KONSEP DAN PELAKSANAAN DI LEMBAGA KEUANGAN ISLAM MODERN

2020 ◽  
Vol 1 (1) ◽  
pp. 88-102
Author(s):  
Ahmad Maulidizen
Keyword(s):  
Financial Institutions ◽  
Islamic Banks ◽  
Purchase Price ◽  
Short Term ◽  
Significant Growth ◽  
Library Research ◽  
Islamic Financial Institutions ◽  
The Cost ◽  
Number Of Customers ◽  
Risk Dependency

ABSTRACTIslamic banking in Indonesia has experienced significant growth, including assets, financing providedand the number of customers. Murābaḥah is the sale and purchase of goods at the original price with theagreed-upon profit. In murābaḥah the seller must tell the cost of the product he buys and determine anadditional level of profit. This research is a library research about the murābaḥah contract according tomuamalah fiqh and its application in modern Islamic financial institutions. Methods of collecting data indocumentation and various sources related to the murābaḥah contract are then analyzed inductively anddeductively. The results of the study are the murābaḥah foundation is the principle of buying and sellingwith a deferred payment system. Murābaḥah, as used in Sharia banking, is based on two main elements,namely the purchase price and related costs, and the agreement on mark-up (profit). Islamic banks adoptmurābaḥah to provide short-term financing to customers for the purchase of goods even though thecustomer does not have the money to pay. The murābaḥah financing portfolio in Islamic banks reaches 70-80%, but in practice there have never been any problems, including; collateral which is a problem of fiqh,risk dependency as a problem of the bank, bankruptcy and delay in payment are the problems of customers,and profits are too high, namely the problem of coming from the community. Therefore, Islamic banks mustmake improvements in the implementation to be in accordance with Sharia.Keyword : Murābaḥah, Financing Instruments, Modern Islamic Financing

scholarly journals Dynamics of Sharia Cooperative Regulation in Indonesia

2021 ◽  
Vol 6 (2) ◽  
pp. 224-235
Author(s):  
Muhammad Fikri Aufa ◽  
Wempy Setyabudi Hernowo ◽  
Dewi Nurul Musjtari
Keyword(s):  
Financial Institutions ◽  
Job Creation ◽  
Research System ◽  
Journal Articles ◽  
Legal Research ◽  
Legal Entity ◽  
Library Research ◽  
Microfinance Institution

The development of Sharia Cooperatives in Indonesia has experienced a significant increase. Islamic cooperatives are one of the alternatives for some members who will build cooperatives based on several sharia principles. The establishment of sharia cooperatives has encountered conflicts, which are not only in Law Number 25 of 1992 on Cooperatives but are also regulated in Law Number 1 of 2013 concerning Micro Financial Institutions. The formulation of the problem of this research is to find legal clarity in the registration and establishment of a sharia cooperative legal body. The research system used in reviewing the registration and establishment of the legal body of Islamic cooperatives uses normative legal research, which is called library research. From the results of this research, the establishment of a sharia cooperative legal body still refers to Law Number 25 of 1992 concerning Cooperatives as replaced by Law Number 11 of 2020 concerning Job Creation. This is because the Microfinance Institution Law only states that the cooperative is a form of MFI legal entity and does not control in detail the cooperative. This system uses statutory provisions as special legal material and is supported by secondary legal materials in the form of books and journal articles.

scholarly journals Sistem Syarikah Abdan dalam Fikih Islam dan Contoh Penerapannya pada Era Kontemporer

2021 ◽  
Vol 2 (1) ◽  
pp. 130-147
Author(s):  
Rahmat ◽  
Fitriah Ningsih
Keyword(s):  
Content Analysis ◽  
Research Method ◽  
Research Approach ◽  
Descriptive Research ◽  
Research Techniques ◽  
Library Research ◽  
The People ◽  
Qualitative Descriptive ◽  
Mutual Agreement ◽  
Application Forms

Syarikah al-abdan is a form of muamalah that can be applied today in improving the welfare of the people. However, in practice today, it seems that there are problems among Muslims in seeing and sorting out the practice of syarikah al-abdan which is following the Shari'a. For this reason, the purpose of this study is to describe the syarikah al-abdan scheme and its current contemporary application forms. The research method used is a qualitative descriptive research approach with library research techniques and content analysis. The results of this study indicate that syarikah al-abdan is a form of business cooperation between two or more people preceded by mutual agreement in determining the results of the profits and/or wages between them. However, in its implementation, it is necessary to pay attention to the pillars and requirements of the syarikah al-abdan, and to consider the views of the majority of madhhab scholars and the Indonesian Ulama Council (MUI). In practice, this study describes the form of syarikah al-abdan in the profession of fisherman and tailor.

scholarly journals An Analysis Of Derivational And Inflectional English Morphemes

2017 ◽  
Vol 1 (1) ◽  
pp. 132-144
Author(s):  
Amosi Halawa
Keyword(s):  
Research Method ◽  
Grammatical Function ◽  
Research Libraries ◽  
Descriptive Research ◽  
Library Research ◽  
Morphological Theory ◽  
Qualitative Descriptive ◽  
Data Source ◽  
Free Element ◽  
Existing Data

derivation and inflection Morpheme  is one of the elements present in the field of morphology. Where the morphology is the study of morphemes, and morphemes are elements of language that have the meaning of the free element and bound elements. The problems that exist in this research is to analyze the morpheme of derivation and inflection contained in Jakarta Post. By understanding the derivation and morpheme inflection it can easily develop vocabulary, from one word can gain many meanings                This research is a type of research belonging to linguistic field. The research also used qualitative descriptive research method. This research method is a method that refers to the form of words taken from the data source by explaining the intent of data intention. In addition, this research also uses research libraries (library research). This literature research only discusses existing data data by processing and developing data by using morphological theory that supports the research.                The first step used by the author is to collect data taken from the source, after that the data are all collected then the writers classify the data in several groups. Since in this study only discusses the three topics of the problem, the first is to classify all types of derivation and morpheme inflection found in the Jakarta Post newspaper, the second is the function of each morpheme, and the last is the rule that belongs to the derivation and morpheme inflection The.                Based on this study, the writers found the uniqueness caused by derivation and morpheme inflection when combined  with other morphemes. If the morpheme derivation is compared with the free morpheme it will have a different meaning and sometimes even change the word class. While morpheme inflection when compared with free morpheme it will have a grammatical function.

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