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All Journal JURNAL EKSBIS El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ekonomi Manajemen dan Sosial (JEMeS) JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Ekonomi Bisnis dan Manajemen
Laily Nisa, Fauzatul
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Journal : El-Mal: Jurnal Kajian Ekonomi

 1 
Implementasi Platform Tepat Daya Bank BTPN Syariah Dalam Mendukung Pengembangan dan Peningkatan skill Usaha Mikro Desa Daniswara, Edo; Oktafia, Renny; Laily Nisa, Fauzatul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 5 No 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.4498

Abstract

This research was conducted with the aim of knowing the implementation of the Prestasi Daya Platform Application which was introduced to Bank BTPN Syariah customers through the University Friendship Program by BTPN Syariah in supporting Bank BTPN Syariah customers, especially those who have MSME businesses in increasing customer knowledge regarding tips on entrepreneurship in the sub-district area. Pujon, Malang Regency. The research in this journal article uses the case study qualitative method because of the closeness and ease of finding accessible information related to the research being conducted and the limited time and place to conduct the research. Bank BTPN Syariah specifically created an application called the Exact Daya Platform as well as running an Internship program with the theme Friends of University Daya which aims to improve the quality of MSMEs from its customers by assigning apprentice students through gradual mentoring providing direct education to its customers regarding tips in developing its business and also supported by the introduction of the Prestasi Daya Platform Application which can be used as a means of self-learning for its customers in the future after the mentoring period is over. With the Precise Daya Platform application, it is hoped that BTPN Syariah bank customers can develop their business independently and better in the future. Keywords: BTPN Syariah, Small and Medium Enterprise (SME), Business Development, Business Assistance
Penerapan Akad Murabahah Dalam Pembiayaan Bagi Nasabah Inklusif di BTPN Syariah Setiawan, Mohammad Irvan; Oktafia, Renny; Laily Nisa, Fauzatul
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol 5 No 2 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i2.4499

Abstract

The existence of Islamic banking in the midst of Indonesian community activities is one of the options in carrying out economic activities, Islamic banks that operate according to Islamic principles. One of the Islamic banks in Indonesia is Bank BTPN Syariah, in the financial sector carried out by BTPN Syariah there is one financing product that uses a murabahah contract. The agreement in question is the same as the sale and purchase contract. The financing carried out by BTPN Syariah is intended for inclusive customers who are underprivileged mothers who have not been touched by banks, so BTPN Syariah's role here is to provide financing and training in developing its customers' businesses. The method used in this study is a qualitative research method by conducting interviews and observations. Based on the results of the research that has been conducted, it is known that the application of murabahah contracts in financing at BTPN Syariah is also carried out with Wakalah contracts so that the purchase of goods is not carried out directly by the bank, but the purchase of goods is represented to the customer by the bank. So that the financing carried out by BTPN Syariah does not fully use a murabahah contract, but becomes a wakalah wal murabahah contract on "Tepat Pembiayaan Syariah" financing product. Keywords: BTPN Syariah, Financing, Murabahah Contract
Co-Authors Amanda Argawandani, Fiorentina Clara Dewanti, Mentari Clara Dewanti Daniswara, Edo Fatmah Rahmawati, Olga Fitria Utami, Anisa Maharani Maharani, Maharani Nur Arumsari, Devinta Renny Oktafia, Renny Rizky Dwi Kurniawan, Muhammad Setiawan, Mohammad Irvan