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All Journal Hunafa: Jurnal Studia Islamika BILANCIA
Murniati Ruslan
Fakultas Syariah dan Ekonomi Islam IAIN Palu
Religion Arts Humanities Law, Crime, Criminology & Criminal Justice

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SISTEM MUḌĀRABAH DAN APLIKASINYA PADA BANK SYARIAH MANDIRI CABANG PALU Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 10, No 2 (2013): Hukum Islam
Publisher : Institut Agama Islam Negeri (IAIN) Palu

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Abstract

Abstract: Bank Syariah Mandiri is a state bank who first introduced a system of sharia. In a way, this bank was applying one system of cooperation with customers called muḍārabah. The systems of muḍārabah are also applicated in the Bank Syariah Mandiri Branch Palu, which was established in 2003. This study discusses the theory and application of muḍārabah system in Bank Syariah Mandiri Branch Palu. The results showed that the application of muḍārabah system in Bank Syariah Mandiri Branch Palu has not been fully realized purely in accordance with the theoretical foundation of muḍārabah system suggested by experts, despite the commitment of Bank Syariah Mandiri Branch Palu to customers has increased significantly.Kata Kunci: aplikasi, sistem muḍārabah, Bank Syarih Mandiri.
PENDIDIKAN, KEMANDIRIAN, DAN PEMBANGUNAN BANGSA Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 3, No 3 (2006): Studi Keislaman
Publisher : Institut Agama Islam Negeri (IAIN) Palu

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It goes without saying that education plays a very significant and strategic role in a nation development. Many states in the world, in concerto, have no many natural resources, but can build themselves as  developed states. For example, Singapore, a Southeast Asian mini states that minus in natural resources. This state is successful in building itself as a prosper state of the world because it is supported by highly qualified human resources. It is necessary to elucidate, of course, that a qualified educational institution can produce qualified human resources. The reason is that education has not only a positive correlation with development, but also a rational way to create independence of society. This article elaborates educational matters, independence, and nation development. Kata Kunci : Pendidikan, kemandirian, pembangunan
SISTEM MUḌĀRABAH DAN APLIKASINYA PADA BANK SYARIAH MANDIRI CABANG PALU Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 10 No 2 (2013)
Publisher : State Institute of Islamic Studies (IAIN) Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (185.824 KB) | DOI: 10.24239/jsi.v10i2.34.323-344

Abstract

Abstract: Bank Syariah Mandiri is a state bank who first introduced a system of sharia. In a way, this bank was applying one system of cooperation with customers called muḍārabah. The systems of muḍārabah are also applicated in the Bank Syariah Mandiri Branch Palu, which was established in 2003. This study discusses the theory and application of muḍārabah system in Bank Syariah Mandiri Branch Palu. The results showed that the application of muḍārabah system in Bank Syariah Mandiri Branch Palu has not been fully realized purely in accordance with the theoretical foundation of muḍārabah system suggested by experts, despite the commitment of Bank Syariah Mandiri Branch Palu to customers has increased significantly.Kata Kunci: aplikasi, sistem muḍārabah, Bank Syarih Mandiri.
PENDIDIKAN, KEMANDIRIAN, DAN PEMBANGUNAN BANGSA Ruslan, Murniati
Hunafa: Jurnal Studia Islamika Vol 3 No 3 (2006): Studi Keislaman
Publisher : State Institute of Islamic Studies (IAIN) Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (196.818 KB) | DOI: 10.24239/jsi.v3i3.275.305-318

Abstract

It goes without saying that education plays a very significant and strategic role in a nation development. Many states in the world, in concerto, have no many natural resources, but can build themselves as  developed states. For example, Singapore, a Southeast Asian mini states that minus in natural resources. This state is successful in building itself as a prosper state of the world because it is supported by highly qualified human resources. It is necessary to elucidate, of course, that a qualified educational institution can produce qualified human resources. The reason is that education has not only a positive correlation with development, but also a rational way to create independence of society. This article elaborates educational matters, independence, and nation development. Kata Kunci : Pendidikan, kemandirian, pembangunan
IMPLEMENTASI AKAD IJARAH BANK BNI SYARIAH CABANG PALU Ruslan, Murniati
Bilancia: Jurnal Studi Ilmu Syariah dan Hukum Vol. 13 No. 1 (2019): BILANCIA
Publisher : Fakultas Syariah Institut Agama Islam Negeri Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/blc.v13i1.451

Abstract

BNI Syariah is one of Indonesia's national sharia banks. In its operations, BNI Syariah implements several contracts, namely the Mudharabah Contract, the Wadiah Contract, and the Ijarah Contract. This study is focused on the discussion of the Ijarah Contract by taking BNI Syariah Branch Palu, Central Sulawesi as the research object. Islamic banking has good prospects. This is supported by two factors, they are the population which is predominantly Muslim and the strong support of the Government. But at the same time, there are number of challenges faced by this type of banking. The aspects of funding and the quality of Human Resources (HR) are two elements that are often referred to the serious problems faced by Islamic banking, especially when compared to conventional banking. Another factor is that Islamic banking has not had a clear business model scheme yet. Moreover, Islamic banking products are still not fully understood by a larger public. In other words, citizens who truly understand the principles and products of Islamic banking are still very limited. In relation to the operations of the BNI Syariah Bank Branch Palu, there are two segments that are practiced in the bank intermediation. Those two segments are the consumptive segment and the productive segment. Both of these segments face the same problem in their implementation, it is socialization. This study found that there was a correlation between the lack of socialization and the low interest of the people in Palu regarding the Ijarah product. In other words, lack of socialization has caused BNI Syariah Branch Palu products to be widely unknown to the public.
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