Mursyid Mursyid
Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

ANALISIS KINERJA KEUANGAN PERBANKAN SYARIAH DENGAN METODE SHARIA CONFORMITY AND PROFITABILITY (SCnP) Welly Aprida Wahyuni; Mursyid Mursyid; Angrum Pratiwi
Indonesian Scientific Journal of Islamic Finance Vol 1 No 2 (2023): Indonesian Scientific Journal of Islamic Finance
Publisher : FEBI Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/inasjif.v1i2.6527

Abstract

The assessment of the financial performance of Islamic banking is mostly still measured by conventional measuring instruments. Where the measuring instrument only focuses on financial measurement while Islamic banking is a banking institution that is run using sharia principles, but does not ignore the financial side. The purpose of this study was to measure the financial performance of Islamic banking using the Sharia Conformity and Profitability (SCnP) method, which is a more complex performance measurement because it combines two inseparable assessment orientations, namely sharia and finance. This research is a descriptive quantitative research. The population in this study is the financial statements on sharia banking statistics published by OJK using saturated sampling as the sample of this study. The variables of this study are Sharia Conformity and Profitability. The types of data used are secondary data and the data collection technique in this study is documentation. The results of this study show the financial performance of Islamic banking, at the quadrant level showing SCnP results during the 2017-2021 period BUS in Indonesia are in four quadrants, namely the Lower Left Quadrant, which has sharia conformity and low profitability. Upper Left Quadrant, namely with low sharia compatibility and high profitability. Upper Right Quadrant, has sharia compatibility and high profitability. And the Lower Right Quadrant, where sharia conformity is high but the profitability is low. And the financial performance of UUS in Indonesia is in three quadrants, namely Lower Left Quadrant, Lower Right Quadrant and Upper Right Quadrant during the 2017-2021 period. Whereas in BPRS during the 2017-2021 period financial performance was in three quadrants namely Lower Left Quadrant Upper Left Quadrant and Lower Right Quadrant.
MEKANISME ASURANSI BERBASIS KEUANGAN SYARIAH Erwin Febrian Syuhada; Mursyid Mursyid
At-Tawazun, Jurnal Ekonomi Syariah Vol. 12 No. 01 (2024): Juni
Publisher : Ekonomi Syariah STAI Sangatta Kutai Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55799/tawazun.v12i01.367

Abstract

This research discusses Sharia finance-based insurance mechanisms as an alternative that complies with Sharia principles in the financial industry. The conventional insurance often involves elements of usury and speculation, which are contrary to Islamic law. In this context, Sharia finance-based insurance mechanisms offer an approach that is in line with Islamic financial principles. Sharia insurance emphasizes the concept of cooperation and mutual assistance between participants. This mechanism includes establishing a community fund, which is used to assist its members in dealing with certain risks. In addition, the principles of mudharabah and musyarakah are applied to manage these funds fairly and transparently. This research uses literature analysis methods to investigate the main concepts in Sharia finance-based insurance. The analysis results show that a Sharia finance-based insurance mechanism can be a choice that is more in line with Islamic values while providing significant economic benefits. Thus, this research contributes to understanding the importance of developing financial products that comply with Islamic financial principles to promote financial inclusion and sustainable development.