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Journal : Jurnal Penelitian Medan Agama

Konsep Gadai Syariah Menurut Syafi’i Antonio Dewi Kumala Sari Hasibuan; Pani Akhiruddin Siregar
Jurnal Penelitian Medan Agama MEDAN AGAMA, VOL. 11, NO. 1, 2020
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Negeri Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58836/jpma.v11i1.8636

Abstract

This research aims to find out the concept of sharia pawn according to Syafi’i Antonio and the utilization of sharia pawnshop according to Syafi’i Antonio. Sharia pawn is sharia gold pawn. Qualitative research method is sourced in primary data in the form of library research that examines the Concept of Sharia Pawn according to Syafi’i Antonio by reviewing his book titled “Sharia Bank: From Theory to Practice”. As for the results of research: (1) The concept of sharia pawn according to Syafi’i Antonio is more to the application in sharia banking because ar-rahn or pawn contract is used in sharia banking as a complementary product; and (2) The utilization of sharia pawn according to Syafi’i Antonio which can be taken from the principle of ar-rahn is to maintain the possibility of customers to default on the financing facilities provided by the bank; provide security for all savers and depositholders that the funds will not disappear if the borrower's customer is unable to promise because there is an asset or goods (marhun) held by the bank; and if rahn is applied in the pawnshop mechanism, then of course the goods will be very helpful to our brothers who have difficulty funding especially in those areas.
Analisis Rasio Keuangan Terhadap Profitabilitas Perbankan Syariah Indonesia Dwi Yana Rahmalita; Pani Akhiruddin Siregar; Kadri Bancin
Jurnal Penelitian Medan Agama MEDAN AGAMA, VOL. 10, NO. 2, 2019
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Negeri Sumatera Utara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (196.522 KB) | DOI: 10.58836/jpma.v10i2.6821

Abstract

This research aims to analyses deeply the influence of CAR variable, NPF variable, FDR variable and BOPO variable to profitability. The profitability indicator is ROA variable. Quantitative data types in the form of monthly time-series data From The Financial Ratio Report of Sharia Commercial Bank and Sharia Business Unit published by Sharia Banking Directorate, Bank Indonesia and the Bank Licensing and Banking Information Department, Indonesia Financial Services Authority through Sharia Banking Statistics Bank Indonesia/Indonesia Financial Services Authority from January 2006 to December 2018. The results showed: (1) A regression model on the independent variable simultaneously affects the dependent variable, so that the independent variable regression model can be used to predict the dependent variable; and (2) The CAR variable and the FDR variable influential positive and significant toward ROA variable; NPF variable influential negative and significant toward ROA variable; BOPO variable influential negative and insignificant toward ROA variable.