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All Journal Journal of Sharia Economics Proceedings Series on Social Sciences & Humanities AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM
Fadhila Sukur Indra
Universitas Darussalam Gontor
Religion Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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The Implementation of Profit Sharing on Fathonah Education Savings Products at BMT NU Kapongan Situbondo Branch, East Java, Indonesia May Shinta Retnowati; Fadhila Sukur Indra; Yeni Zannuba Arifah; Devid Frastiawan Amir Sup
Journal of Sharia Economics Vol 4 No 1 (2022): Journal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v4i1.273

Abstract

Baitul Maal wa Tamwil (BMT) is a form of simple Islamic financial institution. BMT in its operational system carries out business and social activities. BMT NU Kapongan Situbondo branch is one of the BMT institutions, the application of its activities to the business sector (tamwil) can be in the form of savings or deposits and also financing activities are always based on sharia compliance, especially in funding or deposit activities at BMT NU Kapongan Situbondo branch. As for the profit sharing that will be obtained by the customer in the form of automatic money, the customer does not know for sure the amount of profit obtained from the contract. This study aims to analyze the implementation and determination of profit sharing in the mudharabah muthlaqah contract in the fathonah education savings product of BMT NU Kapongan Situbondo branch. The research method used in this study is a qualitative descriptive method. The results of the study explain that the implementation of fathonah education savings is in accordance with sharia principles in terms of fulfillment rather than contracts, this can be proven by the owner of capital giving freedom to mudharib (BMT). However, the distribution of the profit sharing ratio is not fixed because there are several things, including the small number of customers who collect their funds in fathonah education savings products and the small profit income from managed capital, causing the context of determining the profit sharing ratio not in accordance with the specified contract.
Pandangan Bisnis Syariah Terhadap Perkembangan Financial Technology (Study Kasus Fitur Serbu Seru dalam Aplikasi Bukalapak) Annas Syams Rizal Fahmi; Devid Frastiawan Amir Sup; Muhammad Irkham Firdaus; Fadhila Sukur Indra; Meitria Cahyani
Proceedings Series on Social Sciences & Humanities Vol. 5 (2022): Proceedings of Sharia Economic Law Faculty of Islamic Religion Universitas Muhammadiy
Publisher : UM Purwokerto Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/pssh.v5i.421

Abstract

The phenomenon of buying and selling online through various features that place lower prices attracts buyers. The low price outside the normal price makes the people who see it interested in joining the program on Bukalapak's exciting attack feature. There is a lack of clarity in the terms of the contract and its implementation in the purchase of an item in the Bukalapak attack feature, it is stated that the initial contract is a sale and purchase contract but the item is drawn to get the winner of the item. So it is necessary to conduct research to discuss the analysis of the contract on this transaction. This study aims to determine the contract used for the online buying and selling transaction model of the Bukalapak attack feature. This research is qualitative in nature, with a descriptive analytical approach. This type of research is a library (library research) with the method of textbook analysis and literature study. The results of this study indicate that the pillars of buying and selling have fulfilled the elements in the sale and purchase contract. However, there are defects in the Kabul agreement, namely different payment times, the delivery of goods to buyers is not on time. The time is different because the sale and purchase agreement was originally a unidan system so buyers were randomly selected.
ANALISIS ASSET DAN LIABILITAS MANAJEMEN PERBANKAN SYARIAH TERHADAP PENGARUH PEMBIAYAAN DI BANK SYARIAH Nur Helmy Iffah; Agung Lia Handayani; Fadhila Sukur Indra
AL-BAYAN: JURNAL HUKUM DAN EKONOMI ISLAM Vol. 2 No. 1 (2022): JUNI 2022
Publisher : Jurnal ini dipublikasikan oleh Pusat Penelitian dan Pengabdian Publikasi (P3M) STAI Nahdlatul Watan Samawa-licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (198.629 KB)

Abstract

Bank syariah merupakan lembaga yang bergerak dibidang jasa keuangan. Dalam operasionalnya, lembaga ini memperoleh aset dari modal ekuitas, dana pihak ketiga dan dana pinjaman lainnya. Sumber sebagian besar modal tersebut besasal dari liabilitas yaitu dana pihak ketiga dan pinjaman lainnya. Oleh sebab itu dibutuhkan sistem manajemen yang dapat mencakup pengeloaan aset dan liabilitas. Pada operasionalnya, bank syariah menerapkan Asset and Liability Management. Sistem manajemen ini telah lama berkembang dan merupakan sistem manajemen yang diadopsi dari bank konvensional. Pada operasional perbankan, asset liability management (ALMA) merupakan fokus utama dalam memanajemen bank umum. Sebagai salah satu alat analisis dan pengelolaan operasional perbankan, merupakan salah satu yang diperhatikan oleh praktisi dan akademisi perbankan. Metode yang digunakan dalan penelitian ini adalah metode kualitatif deskriptif. Dari permasalahan diatas, peneliti, akan melihat penerapannya serta kesesuaian dengan sistem bank syariah. Hasil penelitian menunjukkan bahwa asset dan liabilitas merupakan dua hal yang tidak dapat dipisahkan karena perannya saling bersangkutan. Pengaruh pembiayaan terhadap keuntungan bank syariah lebih didominasi oleh produk murabahah.
Co-Authors Agung Lia Handayani Annas Syams Rizal Fahmi Devid Frastiawan Amir Sup Meitria Cahyani Muhammad Irkham Firdaus Nur Helmy Iffah Retnowati, May Shinta Yeni Zannuba Arifah