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This research was carried out at PT. BPRS Washliyah Medan. The aim of this research is to understand the murabahah financing system and process implemented by PT. BPRS Al-Washliyah Medan. Murabahah financing is a sale and purchase agreement for goods stating the acquisition price and profit agreed upon by the seller whose role in this case is the Bank and the buyer whose role is the customer/prospective customer for the customer's needs, with the flavone given Rp. 25,000,000 to Rp. 250,000,000. The principles of Murabahah financing are based on Islamic sharia and established legal provisions. Murabahah financing has apparently received a lot of responses from the public and business entities, but not many people and business entities understand the procedures for obtaining murabahah financing, even though marketing has been carried out by PT. SRB Washliya.

The purpose of this study is to determine the financing ability to mediate CAR, NPF and FDR on the Profitability of Sharia Commercial Banks in Indonesia. This study used a quantitative approach with secondary data types. The sample of this study is a sharia commercial bank registered with OJK for the period 2016 to 2020. By using purposive sampling, 9 Islamic banks were obtained. This study used PLS-SEM analysis. The results showed that CAR, NPF and FDR had a positive effect on profitability. While financing has no effect on profitability. This has an impact on the financing ability to mediate CAR, NPF and FDR. These three variables have not been able to be mediated by financing to profitability.

At present there are many Islamic banks that have been established and developed in Indonesia, all Islamic banks compete with each other in making their products, as well as providing the best service to the community (customers) Many products have been operated by Islamic banks, among others: ijarah financing this product is shown to serve the community (customers). And one of the Islamic banking financing products opened to serve and facilitate the many Indonesian people who use ijarah financing. The problem formulation in this study is How is the ijaroh financing mechanism at KOSPPI, How is the suitability of ijaroh financing at KOSPPI with Islamic economic law? The data analysis method used in this research is descriptive qualitative method. In this study there are two things that will be analyzed, namely the Ijarah financing procedure and sharia accounting standards. Data collection used in this research is literature study, namely by reading or taking information from scientific journals, books and also utilizing the internet as a source of information.  From the discussion above, the following conclusions can be drawn: that Islamic banking financing products based on lease contracts consist of pure leases and leases that end with the transfer of ownership rights or known as ijarah muntahiya bit tamlik. Ijarah vomia bit tamlik (IMBT) is basically a combination of leasing and buying and selling.

In this research the author tries to highlight the factors that influence the thinking model of the Islamic education system. For the author, the central issues are management, finance, quality and education. Apart from that, in this research the author used qualitative research methods. These approaches are described in more detail and classified according to research conditions. Apart from that, the author also uses library research methods. The results of this research show that: Educational financial management influences the quality of general education. The results of this research show that fund management is a process of optimizing existing funding sources, allocating existing funds and allocating them in the form of facilities and infrastructure to support the learning process in order to create a learning process that is much more effective, efficient and better. To achieve quality learning, education costs must be managed optimally and optimally. Therefore, educational financial management steps must be considered and made a top priority.

A company's success or failure is determined by the strategy, theory and marketing management applied. This research was conducted to find out what marketing strategies for easy mudharabah savings products are used by Bank Syariah Indonesia KCP Medan Juanda to increase the number of customers. This research uses descriptive qualitative analysis methods, using primary data, namely the researcher took data directly by interviewing the Marketing Funding BSI KCP Medan Juanda and secondary data secondary data obtained from documents, scientific journals, books and literature related to the research problem. The results obtained were that BSI carried out a marketing strategy, one of which was by implementing the 4p marketing mix, namely (product, price, promotion, place). BSI must be able to estimate strategic locations, collaborate with other agencies, expand market share, improve quality and innovate.    

The purpose of this research is to determine the influence of Islamic Spirituality and Work Ethics on Organizational Commitment by examining Job Satisfaction as a mediating variabel on Employees of the Financial Services and Insurance City in West Java. This research is quantitative using primary data. Data analysis was carried out using 100 questionnaires processed with SPSS 27 which showed that Job Satisfaction (Z) was able to mediate the influence of Islamic Spirituality (X1) and Work Ethics (X2) on Organizational Commitment (Y). There is a limitation in this research which is the proportion of the number of research samples. which is less evenly distributed in workplace locations which are still centered in Greater Bandung and employment sectors which are still centered in Conventional Commercial Banks, Rural Banks and Other Financing Institutions. The nature of employees in the Financial Services and Insurance Sector required them to comply with lots of ethical standards. Therefore, Islamic Spirituality and Work Ethics need to be facilitated and encouraged to increase Job Satisfaction which has an impact on Organizational Commitment in a way to achieve organizational purposes.

This research is motivated by the ability of Islamic commercial banks to collect funds from the public to be channeled back to customers in the form of financing, where third party funds are one of the largest sources that can be collected by banks, so that these third party funds can affect the amount of financing to be distributed . Murabahah financing is the most popular financing in both Islamic banks in Indonesia and Islamic banks in the world, and also the effect of margin income because the higher the margin income received, the banks will indirectly increase the amount of murabahah financing because this is related to good performance. The research method used is a quantitative research method, with a sampling technique using purposive sampling with 44 research samples. The type of data used is secondary data in the form of BUS quarterly financial reports for the 2017-2019 period which are accessed and retrieved through the official website of each bank. The data analysis used is the classical assumption test, multiple linear regression analysis, t test, F test, coefficient of determination and path analysis.

Banking, which acts as a financial middleman, is crucial to a country's economy. One definition of a bank is an entity whose primary business is to accept deposits from the general public and then make loans, savings accounts, and other financial products and services available to residents of the community in order to raise everyone's quality of living. People's credit banks (BPR) in Indonesia are financial institutions that conduct their operations in accordance with traditional banking practices and/or sharia law. This research set out to quantify the impact of external funding and risk management on the bottom lines of Indonesia's islamic rural banks. From the total sample size of 164 businesses, 46 were selected at random as representative of the banking sector. The Statistical Package for the Social Sciences (SPSS 29) was used for all statistical analyses and data processing. Findings from the study include: (1) the insignificant impact of third-party funds on BPRS performance; (2) the insignificant negative impact of non-performing financing on BPRS performance; (3) the insignificant impact of the financing-to-deposit ratio on BPRS performance; and (4) the significant negative impact of operational costs on BPRS performance.

This study aims to find out how to analyze the behavior of non-Muslim customers in choosing murabaha financing products, how to analyze the decision process of non-Muslim customers, and how cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. Jelutung Jambi. The method of this research is using descriptive qualitative method with primary and secondary data types. Data collection techniques in this study were observation, interviews and documentation techniques, while for data analysis the researchers used data reduction analysis, data presentation and verification. The theory used in this research is the theory put forward by Kotler & Ketler that consumer behavior is the science of how individuals, groups and organizations choose, buy and use and obtain goods, services, ideas or experiences to satisfy their wants and needs. . According to Kotlert's theory, consumer behavior is divided into four types, namely cultural, social, personality and psychological factors. In the customer decision process is divided into five steps, namely decision making, namely, recognition of needs, information search, evaluation of alternatives, buying decisions, and post-purchase evaluation. The results of the study explain that the behavior analysis of non-Muslim customers in choosing murabaha financing at Bank Syariah Indonesia KC. In Jelutung Jambi, there were three informants, namely the first informant who worked as a teacher because he was interested because of the salary slip through the bank, and chose gold installment financing because the bank could insure the gold installments, low interest rates, and cheap rates compared to pawn shops. The second informant is taking home installments because the interest rates are low compared to other banks and if you are late paying the installments you are not subject to a fine/sanction of 0.5% to 1% of the amount of the installments that the customer has to pay. The third informant is working as a teacher as well and taking education expenses for their children because the process is fast and the interest rate is low at 3.3%, while at commercial banks it is 8.93%. The fourth informant took gold installments because of the low interest rates. The fifth informant took motorbike installments because the interest rate was lower than leasing, which was 8%. From the several informants above, it can be concluded that cultural, social, personality and psychological factors can influence customer decisions in choosing murabaha financing products at Bank Syariah Indonesia KC. In Jelutung Jambi.

The banking industry is one of the businesses that relies on trust which is the main foundation of banking activities, namely confidence from the public as a Islamic banking service user, grows well for an Islamic banking can be seen from the financial performance itself. Today’s liquidity is very important for Islamic banks in carrying out activities, whether to overcome urgent needs, meet customer demand to financing, providing flexibility in achieving interesting and profitable investment opportunities so as not to inhibit sharia banking itself. In this study aims to determine the Effect of Third Party Fund (Dpk), Return On Asset (Roa), And Capital Adequacy Ratio (Car) On Liquidity (Fdr) At the Sharia Bank of General Sharia Year 2017-2022. This study used the type of Quantitative Research using secondary data acquired from the official www.ojk.go.id This study was carried out using a multiple linear regression analysis method that has the results of the study that Third Party Fund negatively affects Financing Deposit Ratio which is evidenced with -thitung> ttabel (-2,605> 1.720). The Return On Asset did not significantly affect Financing Deposit Ratio which was evidenced by thitung <ttabel (1.487 <1.720). Capital Adequacy Ratio has no significant effect to Financing Deposit Ratio which is evidenced by -thitung <ttabel (-1,315 <1.720). As well as Third Party Funds, Return On Asset, Capital Adequacy Ratio Has a simultaneous effect on Financing Deposit Ratio which is evidenced by Fstatistik <0.05 (0.000 <0.05) and Fhitung Ftabel (16.647> 39). With an effect of 0.714 or 71% on FDR at Bank Syariah Public and the remaining 29% are influenced by other variables not included in this study.

Micro, Small and Medium Enterprises (MSMEs) are buying and selling activities and providing services to the community with the aim of making a profit, but the empowerment of MSMEs is not due to the fact that there are still many obstacles, such as the difficulty for MSMEs to obtain financing facilities from financial institutions, so they are forced to take out loans from loan sharks whose interest rates are high and suffocating. thus causing businesses to go out of business, to overcome this problem MSMEs need Islamic financial institutions with a profit sharing scheme, namely mudharabah contracts or financing/investments which are usually mudharabah products found in Islamic Cooperatives, Indonesian Sharia Bank (BSI), Baitul Maal Wat Tamwil (BMT). The Indonesian Muslim Entrepreneurs Community (KPMI) and the Syirkah Bersama Cooperative (KSBB) are both working together to create a new innovation in the form of Mudharabah Linked Waqf which optimizes and manages cash waqf funds in an organized manner so that it is hoped that it can help MSMEs to develop further.

Banking institutions have the function of collecting and distributing public funds, with reference to the BSI KCP Singkil bank with a sharia system that uses a murabaha contract, so that the existence of partner-to-blessing financing as a welfare effort for Civil Servants (PNS), causes controversy with the concept of conventional banks with a system interest with its murabahah concept. This study aims to determine the financing of Mitraguna Blessing with a murabaha contract for the welfare of Civil Servants (PNS) of Aceh Singkil Regency in Islamic banking. This research is a type of field research (field research) which is descriptive qualitative, data collection using interview techniques Bank BSI KCP Singkil. The results of this study: 1). Most customers from civil servants in Aceh Singkil district take out the BSI Singkil blessing partnership financing with the aim of improving their lives, such as building a place of business, buying garden land, building a house, renovating a place of business or renovating a house and buying a vehicle. 2). Mitraguna Berkah Financing with a Murabahah Agreement Bank Syariah Indonesia, Tbk. for civil servants at the stage of the disbursement process, the use of this murabaha contract is in accordance with the legal basis both in sharia and positive law.

This study aims to analyze the marketing strategy for BSI OTO products at KCP Medan Marelan, the type of research method used is a qualitative method, and data collection is carried out by observation and interviews, the data taken is in the form of observations and also from interviews. interview with BSI KCP Medan Marelan officers. Based on the results of the research it was found that the obstacles in marketing BSI OTO at KCP Medan Marelan included inactivity on social media, tight competition from other banks and also the lack of public understanding in the financing application process. and efforts to Overcoming the existing obstacles, BSI KCP Medan Marelan innovates products that will be adjusted to the needs and desires of customers and also adds application facilities in the form of mobile banking and also the BSI website which can make it easier for customers to carry out various transactions and also understand the products available at BSI. and for the marketing strategy of BSI OTO bank BSI KCP Medan Marelan implementing promotions and excellent service, promotions are carried out such as: distributing and distributing brochures, conducting outreach and also conducting promotions indirectly through social media and also excellent service by CS for customers.

In the world of banking in Indonesia, Islamic banking is a type of activity based on sharia principles that is free from usury. Unlike conventional banks which use interest in collecting and channeling funds, Islamic banks use financing as a contract. In conventional and Islamic banking there are differences in terms of banking operations. Therefore, this study aims to analyze the effect of knowledge, reference groups, and consumer motivation on customers' reasons for saving at Bank Syariah Indonesia, South Jakarta. The approach used in this research is a quantitative approach. The quantitative approach aims to determine the magnitude of the analyzed variables. The results of the study show that the knowledge variable and the consumer motivation variable do not have a significant influence on a person's decision to save at Bank Syariah Indonesia. Meanwhile, the reference group variable has a significant influence on a person's decision to save at Bank Syariah Indonesia, so that simultaneously high and low knowledge, reference group, and motivation if simultaneously have an influence on customers to save at Bank Syariah Indonesia.

KSPPS BMT NU of East Java, which is a non-bank financial institution, has the task of gathering and channeling the financing, especially in Lenteng sub-district. As one of the institutions that has an important role in funding, the employees of KSPPS BMT NU East Java, Lenteng branch have duties and responsibilities, as well as the goal of each period to be able to gather or give funding to the community. Of course, it is not easy. Therefore, the leadership factor is very necessary to motivate the employees to carry out the tasks and responsibilities has been given. The purpose of this research is to analyze the styles of Islamic leadership applied and also to find out how the styles of leadership can improve the motivation of the employees of KSPP BMT NU East Java, Lenteng branch. This research used qualitative research methods. Data collection techniques used observation methods, interviews, and documentation. Based on the results of the research, the Islamic leadership style applied in KSPPS BMT NU East Java, Lenteng branch is a typology of the democratic leadership style. The style is quite good in improving the motivation of employees. It can be proved by the presence of a harmonious, open working environment as well as by giving good motivation and appreciation to the employees.

Indonesia has enormous potential in developing Islamic finance because Indonesia has the largest number of Muslims in the world and high economic growth. The issuance of State Sharia Securities (sukuk) has become the main financing instrument. The presence of sukuk further strengthens the government's ability to finance the budget deficit. The government has many choices in determining the combination of its financing instruments. The government can keep debt costs to a minimum. This study aims to determine 1) the development of sukuk in Indonesia and 2) the role of sukuk in Indonesia's economic growth. This research uses qualitative methods and library research approach. Researchers use secondary data, namely data sourced from existing literature or references. The results of this study are 1) The Indonesian government has issued Retail Sukuk (SR), namely SR 001 - SR 013. The issuance of State Sukuk from year to year continues to increase, in accordance with developments and strategies applied in the APBN. 2) The role of State Sukuk has a very positive impact, such as financing project development, encouraging development of the Islamic financial market, creating branch marks in the Islamic financial market, developing alternative investment instruments, and utilizing public funds.

Over time, Islamic banking is growing more rapidly, this phenomenon also affects the economic system in Indonesia. This study aims to determine the effect of inflation and exchange rates on mudharabah financing in Islamic banking in Indonesia. This research is a quantitative study using time series data. The data used is secondary data obtained from the official website of Bank Indonesia (BI) and the Central Bureau of Statistics (BPS). The samples used in this study are inflation, exchange rates and mudharabah which are annual historical data starting from 2013-2021. The data analysis technique is using multiple regression analysis with the Ordinary Least Square (OLS) method. This study shows the results that inflation has a significant negative effect on mudharabah financing. Meanwhile, the exchange rate does not have a significant effect on mudharabah financing. 

The government has high hopes for the benefits of Bank Syariah Indonesia because it is a momentum that will affect public awareness of the Islamic financial industry, especially Islamic banking. However, behind the opportunities of an industry there are challenges that must be resolved, as for these challenges are related to increasing financial literacy, how to adapt a new work culture which of course among the three previous Islamic banks has different characteristics, bank management that ensures that integration goes well without sacrificing previous quality resources, and how to create financial services that can compete and be able to accommodate and facilitate financing related to the main program of Islamic banks. The main potential for product development of Bank Syariah Indonesia can make the Islamic finance industry compete both regionally and internationally so that it can help the development of the national economy.

From the standpoint of Islamic Economic Law, this article seeks to describe and examine the syndicated financing of Islamic Banks in Indonesia. With the kind of library research used to examine the formulation of the problem in this study, a qualitative research methodology was used to conduct this study. The findings of this study suggest that a hybrid contract or multi-contract approach can be used to implement Islamic banking product innovation. Sharia syndicated finance products exist in banking as a result of the requirement for huge quantities of funding, which means that Islamic banks must work with other banks since they will not be able to support it alone. In accordance with the Fatwa DSN No: 91/DSN-MUI/IV/2014, syndicate financing is permitted. Musyarakah Mutanaqishah contracts are typically used for syndicated financing in Islamic banks. The Sharia Banking Law, KHES, Fatwa DSN, and other relevant rules have both been accommodated by syndicated financing in Islamic banks. The Sharia Supervisory Board will continue to oversee the implementation of syndicated financing products at Indonesian Islamic Banks so that it is, in theory, consistent with Sharia Economic Law and no restrictions are broken.

This research aims to analyze the effect of Capital Adequacy Ratio (CAR), Non-Performing Finance (NPF), Financing to Deposit Ratio (FDR) and Operating Cost of Operating Income (BOPO) on the Profitability of Islamic Commercial Banks in Indonesia. Sampling in this study used a purposive sampling method with data collection techniques, documentation studies and library research. The number of samples used as many as 12 Islamic Commercial Banks in Indonesia. The data obtained were analyzed using multiple linear regression analysis using Eviews 10 software and Microsoft Excel 365. The results of this research indicate that the CAR has an insignificant positive effect on Profitability, NPF has a significant negative effect on Profitability, FDR has an insignificant negative effect on Profitability, and (BOPO) has a significant negative effect on profitability.