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All Journal Ar-Risalah: Media Keislaman, Pendidikan dan Hukum Islam Istidlal: Jurnal Ekonomi dan Hukum Islam
M. Manshur Idris
Universitas Ibrahimy
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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ANALISIS TINGKAT RISIKO PEMBIAYAAN MUSYARAKAH TERHADAP RETURN ON ASSETS Mustofa Mustofa; M. Manshur Idris
Jurnal Ilmiah Ar-Risalah: Media Ke-Islaman, Pendidikan dan Hukum Islam Vol 17 No 2 (2019): (Oktober 2019)
Publisher : LPPM IAI IBRAHIMY GENTENG BANYUWANGI

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Abstract

Sharia banks are present because of people's needs for alternative transactions that are without interest or usury. One form of transactions in Islamic banks is financing including mudharabah, musyarakah and murabahah which are the most frequently used contracts. Musharaka financing is the biggest contributor to assets in Islamic banks. So the high financing will affect the level of profitability of Islamic banks. The researcher wanted to examine the risks of musharaka financing to the profitability of BPR Syari'ah Situbondo which will be projected with ROA. With the formulation of problem 1) What was the procedure for financing Musyarakah in the Syari'ah Situbondo Rural Credit Bank? 2) What did risks occur in musyarakah financing to return on assets? The approach used in this research was qualitative research. While the type of research used by researchers in this research was descriptive research means describing the variables, one by one. The results showed that the Musharaka financing procedure at the Syari'ah Situbondo People's Financing Bank by fulfilling the requirements to become a BPR Syari'ah Situbondo customer by signing and filling out an account bookkeeping application form containing a complete identity and must follow the procedures determined by the BPR Syari'ah Situbondo. Risks that occur were usually when the customer did not only have one project. The funds that had been disbursed by the SRB will be used for other projects. So that the risk of musyarakah financing affects the profitability of banks.
Strategi Pemasaran Pembiayaan Ijarah Muntahiyah Bit-Tamlik (IMBT) terhadap Pemberdayaan Usaha Mikro Kecil Menengah M. Manshur Idris; Mustofa Mustofa
Istidlal: Jurnal Ekonomi dan Hukum Islam Vol 3 No 1 (2019)
Publisher : Program Pascasarjana Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (173.796 KB) | DOI: 10.35316/istidlal.v3i1.123

Abstract

Islamic finance institutions are often used as an alternative for the community that is not facilitated by banks, both conventional and Islamic. People tend to invest their capital and run financing in shari'ah financial institutions because administrative procedures are easy when compared to investing capital and financing in State or private banks and also because they are more reliable. The purpose of this study was to determine the marketing strategy of financing Ijarah Muntahiyah Bit-Tamlik (IMBT) and the effect of IMBT financing on the empowerment of Micro, Small and Medium Enterprises (UMKM). The location of this study was at KSPS BMT UGT Sidogiri Capem Silo Jember. This research is qualitative descriptive method. Data collection was done through interviews, observation, and documentation. The analysis was carried out by data reduction, data presentation, data collection, and triangulation. The results showed that the marketing strategy of IMBT financing applied by BMT Sidogiri Capem Silo Jember included four variables in the marketing mix, namely product strategy, promotion strategy, pricing strategy, and place strategy. Whereas the effect of IMBT financing on the empowerment of UMKM was that develops productive businesses to increase the income of small entrepreneurs and members, one of which was in the trade and agriculture sectors to facilitate the public in accessing their goods.
Co-Authors Mustofa Mustofa