IMPLEMENTASI MANAJEMEN DANA PADA BANK SYARIAH

Sri Mulyani;  Siti Jamilah

doi:10.51339/nisbah.v3i1.387

IMPLEMENTASI MANAJEMEN DANA PADA BANK SYARIAH

An-Nisbah: Jurnal Perbankan Syariah ◽

10.51339/nisbah.v3i1.387 ◽

2022 ◽

Vol 3 (1) ◽

pp. 41-51

Author(s):

Sri Mulyani ◽

Siti Jamilah

Keyword(s):

Asset Allocation ◽

Allocation Approach

Tulisan ini bertujuan untuk mengkaji impelementasi manajemen dana pada bank syariah. Pengelolaan dana Bank Syariah merupakan upaya untuk mengarahkan posisi dana yang diterima bank syariah dari kegiatan mengumpulkan dana menyalurkan dana dalam bentuk pembiayaan sehingga bank syariah tetap mampu memenuhi kriteria-kriteria likuiditas, rentabilitas dan solvabilitas. Sumber pendanaan bank syariah diantaranya berasal dari dana sendiri, Dana Pihak Ketiga (DPK) dan dana pinjaman. Dana bank syariah bisa berasal dari modal yaitu modal inti (core capital), kuasi ekuitas (Mudharabah Account), dan dana titipan (wadiah). Sementara itu penggunaan dana pada bank syariah terdiri atas pengeluaran untuk Earning Assests dan Non Earning Assets. Metode yang digunakan bank syariah didalam mengalokasikan dananya dibedakan menjadi dua pendekatan dengan mempertimbangan sumber dana yang diperoleh bank syariah yaitu Pool of fund approach dan Asset allocation approach.

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The Dynamics of Geographic versus Sectoral Diversification: Is There a Link to the Real Economy?

Quarterly Journal of Finance ◽

10.1142/s201013921250019x ◽

2012 ◽

Vol 02 (04) ◽

pp. 1250019 ◽

Cited By ~ 10

Author(s):

Francesca Carrieri ◽

Vihang Errunza ◽

Sergei Sarkissian

Keyword(s):

Asset Allocation ◽

Global Economy ◽

Real Economy ◽

Geographic Diversification ◽

The Real ◽

Developed Economies ◽

Country Level ◽

The Us ◽

Production Growth ◽

Allocation Approach

We study the dynamics of gains from sectoral versus geographic diversification and relate economic sources to changes in those gains. We estimate conditional correlations between returns on the US equity market and 16 equity markets and 10 local industries from other OECD countries and find that the average correlation across countries has increased in relation to that across industries. We also show that this process is accompanied by increased alignment in the industrial structures across countries and an increase in the average conditional correlation of aggregate production growth across countries relative to that of disaggregated production growth, especially among developed economies. Thus, the increased benefits of industry-level investing across developed markets are reflected in the real side of the global economy. However, country-level investing should remain the predominant asset allocation approach in emerging markets.

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POOL OF FUNDS APPROACH AND ASSET ALLOCATION APPROACH IN SHARIA'S PERSPECTIVE (A Literature Review)

JURNAL EKONOMI DAN PERBANKAN SYARIAH ◽

10.46899/jeps.v2i1.140 ◽

2020 ◽

Vol 2 (1) ◽

pp. 4-25

Author(s):

Fahmi Ali Hudaefi ◽

Ahmad Bisyri

Keyword(s):

Qualitative Research ◽

Content Analysis ◽

Asset Allocation ◽

Analysis Data ◽

Islamic Banking ◽

Islamic Perspective ◽

Fund Allocation ◽

History Of ◽

Islamic Values ◽

Allocation Approach

The aim of this research is to explore the Islamic perspective on the conventional thought of funds banking allocation methods, they are asset allocation approach and pool of funds approach, which one of them is practiced in Islamic banking in Indonesia, it is pool of funds approach. Sharia instruments that used to explore Islamic perspective on those two conventional methods are the verses of Islamic values in transaction, they are doing amanah in muamalah as taught in An-Nisa 68, being identified the owned property as taught in Al-Baqarah 188, doing abetter notation in muamalah as taught in Al-Baqarah 283 and being fair in fulfilling weight and measure as taught in Hud 85. Other used sharia instruments are history of Prophet Muhammad pbuh and Caliph Umar bin Abdul Aziz and Fiqh special axiom in muamalah. This descriptive qualitative research with the method of content analysis data finds that the asset allocation approach is more agreeable method to all sharia instruments that used in this research.Keywords: Al-Qur’an, Tafser, Islamic Values in Muamalah, Islamic BankPrincipal, Bank Fund Allocation MethodsAbstrakPenilitian ini berujuan untuk mengetahui pandangan syariah terhadap metode alokasi dana bank yang berasal dari pemikiran konvensional, yaitu pool of funds approach dan asset allocation approach, dimana pool of funds approach dipraktikan di perbankan syariah Indonesia. Instrumen syariah yang digunakan dalam penelitian ini atau yang menjadi tolak ukur pandangan syariah terhadap kedua metode tersebut adalah nilai-nilai Islam dalam bermuamalah yang terkandung di dalam Al-Qur’an, yaitu berlaku amanah di dalam surat An-Nisa 58, jelasnya sumber kepemilikan harta didalam surat Al-Baqarah 188, melakukanpencatatan yang baik didalam muamalah dalam surat Al-Baqarah 283 dan berlaku adil dalam memenuhi takaran dan timbangan didalam surat Hud 85. Instrumen syariah lainnya yang digunakan adalah sejarah keuangan yang ada hubungannya dengan sistem pengalokasian dana pada zaman Nabi Muhammad Saw dan Khalifah Umar bin Abdul Aziz, serta Kaidah Khusus Fiqh di bidang muamalah. Penelitian dekriptif dengan pendekatan kualitatif dan content analysis sebagai alatanalisis data menunjukan bahwa metode asset allocation approach lebih sesuai dengan nilai-nilai syariah yang terdapat di dalam instrument-instrumen syariah yang menjadi tolak ukur di dalam penelitian ini.Kata Kunci: Al-Qur’an, Tafsir, Nilai Islam dalam Bermuamalah, PrinsipOrepasional Bank Syariah, Metode Alokasi Dana Bank

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