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Effectiveness of Financial Investment Risk Management of Dana Haji Indonesia Alif Ilman Mansyur
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (144.641 KB) | DOI: 10.29040/jiei.v7i3.3610

Abstract

Instructions This study aims to see how the financial condition of Hajj Funds in Indonesia and has the authority to manage Hajj financial investments in Indonesia. The research method used a descriptive qualitative approach, namely by understanding the various concepts found in the research process, research techniques using content analysis and library research. in this study using secondary data sources and types obtained from research results, articles and reference books that discuss topics related to the research theme. The results show that first, the development of financial conditions for Hajj investment in Indonesia in the May 2020 period amounted to Rp. 135 trillion and the ranking of funds seen from the source, namely the initial deposit of Rp. 132 trillion and the people's endowment fund of Rp. 3.4 T, then viewed in terms of the value of assets / funds under management and the value of the benefits of the BPKH that are produced at a value of Rp. 125 trillion in 2019. Second, which has financial management risk for Indonesian hajj funds who see the risks that occur, the main control that must ensure that the main hajj fund financial investment risks can be managed effectively, Identify the Team / Individual responsible for ensuring the main control operate as required, Identify the Team / Individual responsible for ensuring the main controls operate as required.
Impact Of Sharia-Based Product Differentiation To Encourage The Growth Of Islamic Banks In Indonesia Syarifuddin Syarifuddin; Gagaring Pagalung; Muslimin Kara; Alif Ilman Mansyur
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 7 No 2 (2022): Asy-Syar'iyyah Desember 2022
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v7i2.2771

Abstract

The development of Islamic banks in Indonesia today can be said to be slow when compared to conventional banks. There are several challenges that cause this, such as capital problems, the development of sharia product innovations, to the inadequate quality of human resources, to limited infrastructure in sharia economic development. In this study, we will discuss one of these challenges, namely the development of sharia product innovation or called sharia product differentiation. The purpose of this study is to determine the effect of product differentiation, on people's decisions in choosing banks and products to be used and their impact on the development of Islamic banks in Indonesia. This research is descriptive research using secondary data related to the effect of product differentiation on Islamic banking. The population in this study are residents throughout Indonesia who use Islamic banks. The results of the study indicate that the variable in question, namely product differentiation, is considered important so that it has an impact on people's decisions to choose whether to use products from Islamic banks. This will automatically encourage the growth rate of Islamic banks in Indonesia.