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All Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Pandapotan Pandapotan
UIN Sumatera Utara
Religion Economics, Econometrics & Finance Education Social Sciences

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Studi Literature Strategi BMT Dalam Pemberdayaan Ekonomi Ummat Berbasis Masjid   Pandapotan Pandapotan;  Andri Soemitra
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 3 (2022): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1075.728 KB) | DOI: 10.47467/elmal.v3i3.941

Abstract

This study aims to examine how the strategies used by BMT in empowering and improving the economy of mosque-based congregations. Mosques are not only used for worship activities but can also empower the congregation's economy. A mosque with all the potential that exists can establish Baitul Maal wal Tamwil for its independence. This study uses selected literature. The research method used is a literature study by collecting articles related to the research theme downloaded from Google Scholar for publication in the last 5 years. Then a content analysis was carried out in accordance with the Researcher's Discussion Topic, namely the BMT Strategy in Empowering a Mosque-Based Economy so that 41 articles were obtained. The main finding of this research from a literature review shows that the establishment of a mosque-based BMT can significantly improve the economy of the congregation. The BMT strategies used are: ZISWAF for Economic Empowerment, Human Resources, Transparency and Accountability, Finance Inclusion, Marketing Management, Implementation of Sharia Economic Contracts, BMT Performance, Establishment of BMT, Integration of ZISWAF with BMT, and Role Models. Keywords: BMT, Empowerment, Mosque.
Analisis Pengaruh Pembiayaan Terhadap Laba Bersih Melalui Bagi Hasil Bank Umum Syariah Pandapotan Pandapotan; Saparuddin Siregar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 3 No 4 (2022): El-Mal : Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (260.013 KB) | DOI: 10.47467/elmal.v3i4.1001

Abstract

Funds are one of the important issues for every company in meeting their needs. To meet the need for these funds, each company will involve banks in financing. In this case, Islamic banks are very good at providing financing to customers, both mudharabah and musyarakah financing. The purpose of the study was to determine the net profit of Islamic Bank Indonesia based on the principles of mudharabah and musyarakah financing. The research method used is multiple regression, a qualitative research approach, the results of the study show that mudharabah financing positive and significant effect on revenue sharing, the effect of musharaka financing on revenue sharing which shows that musharaka financing has a positive and significant effect on revenue sharing, mudharabah financing has a positive and significant effect on net income, musharaka financing has a positive and significant effect on net income, revenue sharing does not have a positive and significant effect on net income Keywords : Mudharabah, musyarakah, net profit, revenue sharing
Tantangan Regulasi Keuangan   Bagi Perkembangan Perbankan Islam: Selfi Afriani Gultom; Pandapotan Pandapotan; M. Shabri Abd. Majid; Marliyah Marliyah; Rita Handayani
Al-Kharaj : Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol 4 No 5 (2022): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Research and Strategic Studies Center (Pusat Riset dan Kajian Strategis) Fakultas Syariah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (380.471 KB) | DOI: 10.47467/alkharaj.v4i5.928

Abstract

The literature study of this article aims to analyze the challenges that must be considered by financial regulators, especially for Islamic financial institutions (Islamic banking). Literature study through content analysis by discussing the book Intermediate Islamic Finance by Nabil Maghrebi, Abbas Mirakhor, and Zamir Iqbal Wiley publisher in 2016 and 30 articles from emerald and direct science publisher which is the world's best journal publisher with a scopus index. The results of the content search found seven challenges in financial regulation, namely the calculation of profit and loss sharing (PLS) still referring to the interest system, the practice of implementing contracts overshadowed by conventional contracts, capital and minimum liquidity regulations still referring to general regulations, regulatory indicators in assessing efficiency still referring to in the general (conventional) model, weakness of regulations requiring Islamic financial institutions in and supervision, weakness of regulatory control in implementing good corporate governance, weaknes of sharia law courts dealing with violations of sharia law. Financial regulations have not fully sided with Islamic banking (sharia). Financial regulations must continue to be adjusted and rearranged so that Islamic banking can develop and develop in a healthy manner with conventional banking and be resilient in the face of crises. Key words : challenges, finance regulation, islamic banking
Co-Authors M. Shabri Abd. Majid Marliyah Rita Handayani Saparuddin Siregar Selfi Afriani Gultom  Andri Soemitra