Publication Search

Musyarakah mutanaqishah is musyarakah or syirkah ownership the assets (goods) or capital of one of the parties (shariq) are reduced due to gradual purchase by other parties. As well as a musyarakah agreement mutanaqishah is a combined contract between a musyarakah contract and a contract ijarah. Sharia syndicated financing is financing provided by two/more Islamic banks or financial institutions, with the same terms and conditions, using the same documents and administered by one bank. Regarding information on syndicated financing using a musyarakah agreement Mutanaqishah is still not widely known by the wider community until now This. So this research will focus on discussing contracts musyarakah mutanaqisah used in syndicated financing. Because This contract is a contract that needs to be socialized and more publicized the banking sector, because its existence is not widely known by the public common among other contracts which are also used for syndicated financing in sharia banking in Indonesia, after previously using contracts murabahah and ijarah mun tahiya bit tamlik.

This study aims to analyze the effect of various Islamic banking instruments on the Return on Asset (ROA) provided by PT Bank BCA Syariah. This study uses historical data for the last five years (2018-2022) and statistical analysis to evaluate the contribution of certain Islamic banking instruments to the amount of financing provided by the Islamic bank. The results of this study provide greater insight into how Islamic banking instruments affect the financing portfolio of PT Bank BCA Syariah and can serve as a foundation for future strategic decision-making in the management of Islamic banking funds and financing. This research is expected to make a positive contribution to the understanding of the development of Islamic banking and sustainable Islamic banking practices.

The Covid-19 pandemic has occurred. Since 2019, almost all countries in the world have experienced it. The Indonesian population is experiencing a pandemic that causes millions of people to experience difficulties, one of which is economic factors, namely in paying off debt or murabaha financing at Islamic banks and conventional banks. This is due to a decrease in daily income. If these conditions are not addressed properly, it will result in a decline in the economic growth of a country. This article aims to examine the application of the Qur'an Surah Al Baqarah verse 280 to the gift of restructuring murabahah financing to customers affected by the Covid-19 pandemic. The researcher used the literature review method. In addition, this study also uses a narrative analysis method to describe the reality that occurs in the field and conducts interviews with customers and the Bank. The research study conducted in this article shows that the application of Surah Al Baqarah verse 280 during the Covid-19 pandemic can be a solution to maintain the level of economic growth in Indonesia.

This research aims to analyze customer perceptions regarding the use of microcredit financing with a focus on the case study of Bank Syariah Indonesia (BSI) KCP Medan Kampung Baru. Utilizing surveys and qualitative data analysis, the research methodology aims to understand the strengths and weaknesses of the sample through observation, interviews and document analysis of the sample's perceptions of the product using Murabahah principles. In this context, research examines the factors that influence public trust in the progress, transparency and quality of the implementation of Murabahah law. The survey collected customer responses from BSI KCP Medan Kampung Baru, while qualitative data analysis was carried out to identify customer views in more detail. It is hoped that the findings of this research will help in understanding the effectiveness of implementing the Murabahah model in micro product development and how it affects customer needs and expectations. The practical implications of this can help Islamic banks improve their products and services and strengthen their ties with customers, especially at BSI KCP Medan Kampung Baru.

This research is based on the devolment of Syapab banking in the digital era. The aim this research is to analyze the devilment of sharia banking in the digital era. This research investigates the development and introduction of Islamic banks in the digital era, which is expected to help people without having to go the bank. This research uses library research methods, wich use data sources collected from books information technology-based financing services will be very helpful in increasing public  services,access to information has become faster and easier and can accesed anytime and anywhere.

Islamic Religious Education is considered the main pillar in shaping the character of Muslims; however, in the era of globalization, entrepreneurship has become essential. The integration of entrepreneurship enables students to connect religious values with the real world, develop self-potential, and become agents of positive change. Inclusive management of Islamic religious education towards entrepreneurship is not only a necessity but also a challenge to create innovative curricula. This study employs a qualitative descriptive method through a literature review approach to examine the management of education and entrepreneurship in Islamic religious education. The goal of Islamic Religious Education is to shape individuals with profound knowledge of Islamic teachings, capable of applying them in daily life, fostering love and obedience to Allah SWT, imparting Islamic values and ethics, and encouraging critical, analytical skills, and entrepreneurial spirit. Entrepreneurship in Islamic religious education aims to mold a younger generation of Muslims who can become successful entrepreneurs and are morally and ethically responsible. The integration of entrepreneurship involves teaching entrepreneurial values and principles, as well as developing entrepreneurial skills such as creativity and management. A conducive environment for entrepreneurship, including the empowerment of micro, small, and medium-sized enterprises (UMKM), training, mentoring, access to financing, and incentives for entrepreneurs, is deemed essential. By integrating entrepreneurship into Islamic religious education, it is expected that students can prepare themselves to face the challenges of the job market and contribute to the welfare of society.

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.

This article discusses the consequences of the Covid-19 pandemic on financing and third party funds at Bank Syariah Mandiri (BSM). The focus is to highlight the obstacles faced by the Islamic banking industry due to the impact of the pandemic, as well as the need for creative and innovative strategies to accommodate change and maintain continuity. This pandemic has affected the role of sharia banking as an intermediary, especially in terms of providing credit and recovering third party funds. Bank Mandiri Syariah experienced fluctuations in financing and third party funds from January to March 2020, due to a decrease in funding demand and economic uncertainty. To face this challenge, Bank Syariah Mandiri and other sharia banking institutions are adopting operational strategies that involve digitalization and technology. Digitalization is considered a crucial step in providing banking services during the pandemic. The aim of this research is to assess the operational tactics used by sharia banks to fulfill their role as mediators during the pandemic, as well as the impact of the Covid-19 pandemic on financing and third party funds at Bank Syariah Mandiri.  

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.

Liquidity management is a very complex problem in bank operations. The main cause of bank bankruptcy, both large and small, is not due to failure in financing which results in losses, but rather due to the inability of banks to manage liquidity. This article discusses liquidity management by utilizing the Bank Indonesia Sharia System (SBIS) and PUAS transactions. However, that the two methods have not fully resolved the actual problems faced by Islamic banking in allocating unused funds due to excess liquidity. This study was conducted through a literature search covering various solutions and alternatives to overcome the obstacles faced by Islamic banking in managing its liquidity. To support this study, secondary data was used obtained from Islamic Banking Statistics and the Financial Services Authority. Based on this study, it means that the central bank needs to develop the existing instruments in the PUAS provided by Bank Indonesia as the monetary authority. It is hoped that the liquidity problems faced by Islamic banking can be overcome more effectively.