Claim Missing Document
Check
Articles

Found 12 Documents
Search

PENERAPAN GOOD GOVERNANCE BUSINESS SYARIAH DI BANK UMUM SYARIAH INDONESIA Abdullah, Agung
IJTIHAD Vol 11, No 2 (2017)
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (571.63 KB) | DOI: 10.21111/ijtihad.v11i2.2581

Abstract

Penelitian ini mengkaji bagaimana membangun tata kelola bisnis syariah pada lembaga keuangan Islam di Indonesia?,dan sejauhmana implementasi tata kelola bisnis syariah perbankan syariah di Indonesia? Jenis penelitian surveylapangan dengan melakukan eksplorasi (field research), dengan kombinasi desain penelitian kualitatif dan kuantitatif.Populasi penelitian yaitu lima Bank Umum Syariah Devisa, antara lain Bank Muamalah, Bank Syariah Mandiri(BSM), Bank Rakyat Indonesia Syariah (BRIS), Bank Mega Syariah Indonesia (BMSI), serta Bank Negara IndonesiaSyariah (BNIS). Teknik pengumpulan data yaitu laporan GCG Bank Umum Syariah Devisa, observasi langsung,dokumentasi dan observasi. Analisa data menggunakan transformasi data dengan mengkualifikasi data denganpenggunaan analisis faktor, kemudian mengeksplorasi outlier-outlier untuk menemukan kasus-kasus ekstrim padaimplementasi corporate governance bisnis syariah. Hasil penelitian menunjukkan bahwasannya membangun tata kelolabisnis syariah pada lembaga keuangan Islam di Indonesia maka diperlukan pengembangan konsep, perusahaan harusdapat diterima dalam bentuk dan sistem ekonomi yang berbeda, memberikan insentif dalam perlindungan hak, dankewajiban para agen ekonomi. Perlu dilakukan pemaknaan model yang memiliki karakteristik terhadap karakterbuilding perbankan syariah khususnya di Indonesia. Implementasi tata kelola bisnis perbankan syariah di Indonesiamenunjukkan pengungkapan GGBS Bank Umum Syariah Devisa, yaitu BSM dengan jumlah pengungkapan 41indikator (97,62%), BMI dengan jumlah pengungkapan 40 indikator (95,24%), BNI Syariah dengan jumlahpengungkapan 39 indikator (92,86%), dan Bank Mega Syariah dengan jumlah pengungkapan 35 (83,33%).
Nadzir dalam Perspektif Kelembagaan Wakaf di Indonesia Agung Abdullah
Jurnal Ilmiah Ekonomi Islam Vol 6, No 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (195.761 KB) | DOI: 10.29040/jiei.v6i3.1216

Abstract

The contribution of waqf as an instrument of Islamic philanthropy is seen as important in providing social benefits in meeting the long-term needs of the ummah. The contribution of waqf cannot be separated from the existence of nadzir as a waqf manager. The existence of nadzir (waqf manager) is seen as the responsibility of the party responsible for the productivity of waqf assets previously not included in the terms and laws of traditional waqf in Indonesia. The purpose of this study was to analyze the existence and existence of nadzir in the perspective of waqf institutions in Indonesia. This research uses descriptive analytical method, using secondary data obtained from existing manuscript sources, one of the waqf laws. The data analysis in this study is based on a framework of four levels of institutional economy. The findings in this study are the institutionalization process of nadzir as an official institution in waqf management being analyzed using the four level of institutional economic, the first level I the institutionalization process for waqf managers in Indonesia based on customary law and then Islamic law. The second level formal institutional rules place the law as the formal management rule for waqf after the formation of the Republic of Indonesia. The third Level institutions related to waqf institutional governance that experienced improvements after the issuance of formal rules accompanied by guidance from the waqf accounting standards and the waqf core principles. Fourth Level of institutions related to the management of waqf resources in Indonesia provides wide opportunities for nadzir (waqf managers) to manage waqf. The role of the government in private waqf managers in Indonesia is as protector and issuer of regulations that support waqf productivity.
Preferensi wakaf uang pada Masyarakarat Surakarta. Agung Abdullah
Jurnal Ilmiah Ekonomi Islam Vol 8, No 1 (2022): JIEI : Vol. 8, No. 1, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i1.3551

Abstract

The existence of financial technology provides a new way for waqf practices in Indonesia. Waqf can not only be done by giving goods directly, but also through cash waqf transferred via e-banking service to nadzir. Cash Waqf or waqf with giving a cash money means money as an object for waqf which will be managed by Nadzir to get the results that will be given to the recipient of the waqf. As it is known that cash waqf expected to make it easier for Muslims. This study aim to measures the waqf preferences that are influenced by cash waqf services on e-banking, religiosity and income, and compares the waqif preferences for waqf directly and indirectly by using cash waqf services by banks through e-banking. The sample in this study amounted to 96 people who have donated to waqf in Surakarta taken by purposive sampling technique. Data collection was done by distributing questionnaires. This study uses multiple linear regression analysis techniques and data processing using the IBM SPSS Statistic 22 program. The results show that the use of e-banking and income has a ]significant effect on the preference for cash waqf. Meanwhile, religiosity has no effect on the preference for cash waqf. Income has a significant effect on the preference for cash waqf. While the preference for direct waqf is higher than the preference for indirect waqf using e-banking services, this result is supported by the perception of donors (wakif) that the enduring nature of waqf property would be better if it was handed over to a manager or institution that is known directly.
The Determinant of Product Advantage, Customer Experience and Trust on the Reputation of Bank Syariah Indonesia Post-Merger at Surakarta City Agung Abdullah
Falah: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2022): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v7i1.17012

Abstract

This study aims to determine the impact of product advantage, customer experience and trust on the reputation of Bank Syariah Indonesia post-merger at Surakarta City. This research was quantitative with data analysis techniques using multiple linear regression. The sampling technique in this study was purposive sampling with certain criteria. The respondent in this study were 100 customers of Bank Syariah Indonesia at Surakarta City. The result found that product advantage has a positive and significant effect on company reputation, customer experience has a positive and significant effect on company reputation and trust has a positive and significant effect on Bank Syariah Indonesia reputation. This study provided a useful contribution to enrich the discourse on the impact of Islamic bank mergers, especially on the reputation of Islamic banks after the merger. This reputation will increase an optimistic sentiment for Bank Syariah Indonesia even in the negative growth of economic caused by the pandemic Covid-19.
Membangun Bisnis dengan Ekosistem Halal Muhammad Khozin Ahyar; Agung Abdullah
Jurnal Pasar Modal dan Bisnis Vol 2 No 2 (2020)
Publisher : The Indonesia Capital Market Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37194/jpmb.v2i2.46

Abstract

This article aims to provide an overview or describe the components that must be met in building a business with a halal ecosystem, both in terms of process or production as well as from the non-production side. The methodology used in this article is a qualitative method with a literature research or literature review approach. This article describes or describes several things that must be considered in building a business with a halal ecosystem, namely the financial component (finance), production and distribution. Finance is a component that is upstream in the halal business ecosystem. Production is a process of making a product in the form of goods or services that will become a halal business product. When producing sharia goods or services, all raw materials and processes must also comply with halal standards. Distribution is the last component in the halal supply chain ecosystem that distributes products or services and presents them. In the process of distribution, the product must be ensured to be separate from non-halal products and there will be no change in the substance of the product during the distribution process, so that the product remains halal and thayib. Through this article, the writer hopes that sharia business or halal business can perfect its halal ecosystem in order to maintain halal and thayib products.
Measuring Islamic Bank's Performance Using CAMELS And RGEC Method Based On Indonesian Financial Services Authority Circular Agung Abdullah
Journal of Business and Management Review Vol. 1 No. 4 (2020): (Issue-October)
Publisher : Profesional Muda Cendekia Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47153/jbmr14.442020

Abstract

This paper aims to determine the differences bank performance of Muamalat BankBank Sinarmas Bank, and BPRS Bhakti Sumekar measured by CAMELS (Capital, Asset, Management, Earning, Liquidity, Sensitivity to Market Risk) method and the RGEC (Risk profile, Good governance, Earning, Capital) method in 2018. The authors used quantitative methods with a descriptive approach. The sample taken in this study is a representation of Islamic commercial banks (Bank Muamalat), Islamic business unit banks (Bank Sinarmas Syariah), and Islamic microfinance banks (BPRS Bhakti Sumekar). The data used in this study are secondary data from the company's published financial report website and annual report. The Analysis techniques used are : 1) Bank Performance analysis using the CAMELS and RGEC methods. 2) Describe the differences in the measurement using the CAMELS and RGEC methods. Finding in this study is the RGEC is a more comprehensive method to measure Islamic bank performance than Camel. This study has limitation, the period used in this study is only 1 (one) year, for more valid results it is necessary to add the sample over several years.
Analisis Pengetahuan Pinjaman Online Pada Masyarakat Surakarta Agung Abdullah
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 11, No 2 (2021)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (320.112 KB) | DOI: 10.21927/jesi.2021.11(2).108-114

Abstract

Pinjaman Online oleh masyarakat Indonesia merupakan salah satu produk dari Financial Technology yang sedang berkembang di dunia. Ketidaktahuan masyarakat mengenai ini dimanfaatkan pelaku untuk mendapatkan keuntungan yang semakin besar, dan tidak segan-segan menggunakan cara kasar dalam proses penagihan. Oleh karena itu perlu adanya penjelasan mengenai pentingnya pengetahuan masyarakat terhadap perkembangan teknologi bidang ekonomi khususnya Pinjaman Online yang dirasa sangat memudahkan masyarakat karna persyaratan dan pencairan dana yang mudah, praktis dan cepat.Literasi atau sosialisasi mengenai masalah seperti ini dapat dilakukan secara sinergis Otoritas Jasa Keuangan selaku pemegang regulasi industry jasa keuangan. Berdasarkan fenomena tersebut penelitian ini dilakukan di lokasi yang memiliki tingkat pendidikan tinggi di Jawa Tengah dengan  tingkat ekonomi yang tinggi pula yaitu Kota Surakarta. Penelitian ini menggunakan metode kualitatif deskriptif dengan masyarakat yang berdomisili di Kota Surakarta  sebagai objek dari penelitian ini.Hasil dalam penelitian ini diketahui bahwa masyarakat Surakarta yang didominasi oleh generasi muda telah memiliki pengetahuan tentang pinjaman online. Berdasarkan pengetahuan tersebut, masyarakat dapat memilih pinjaman online legal yang aman digunakan karena pinjaman online legal di bawah pengawasan Otoritas Jasa Keuangan (OJK) tidak seperti pinjaman online ilegal yang dapat membahayakan masyarakat.
PEMANFAATAN LAHAN SEBAGAI PEMBANTU SUMBER PANGAN DAN PENDAPATAN PADA MASA PANDEMI COVID-19 Agung Abdullah; Rahmalia Indah Pratiwi
Transformatif : Jurnal Pengabdian Masyarakat Vol. 2 No. 2 (2021)
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.877 KB) | DOI: 10.22515/tranformatif.v2i2.3955

Abstract

Pandemi covid-19 memberikan dampak yang cukup signifikan pada aktivitas sosial ekonomi pada masyarakat, khususnya pada masyarakat dengan ekonomi menengah ke bawah. Pemanfaatan lahan pekarangan rumah tinggal untuk budidaya sayuran sebagai langkah alternatif untuk membantu pemenuhan sumber pangan dan pendapatan masyarakat pada masa pandemi covid-19 khususnya di dukuh Mojokerto RT 18/08, Dawungan, Masaran, Sragen. Metode pengumpulan data pada pengabdian ini dilakukan dengan observasi, wawancara dengan subjek pengabdian serta penelusuran studi pustaka. Metode pengabdian menggunakan Participatory Action Research (PAR). Analisis data dilakukan secara deskriptif dengan menggali dan memaparkan hasil pengabdian sehingga lebih mudah untuk dipahami dan disimpulkan. Pemanfaatan lahan pekarangan rumah terbukti sangat efektif untuk membantu pemenuhan sumber pangan dan pendapatan warga di dukuh Mojokerto khususnya pada pasa pandemi covid-19. Dampak positif dapat terlihat dalam bidang sosial ekonomi bagi warga dukuh Mojokerto. Optimalisasi potensi produksi dan produktivitas pemanfaatan lahan pekarangan rumah untuk budidaya sayur yaitu dengan memperhatikan teknik pembudidayaan yang terdiri dari teknik pembibitan, teknik pengolahan lahan, teknik penanaman, teknik pemeliharaan, serta teknik panen dan pasca panen.
Comparative analysis of murabahah and musyarakah mutanaqisah contract in Islamic home financing ownership at Islamic bank : Case in BTN Syariah Surakarta Agung Abdullah
NUsantara Islamic Economic Journal Vol. 1 No. 2 (2022): 2022 July
Publisher : Department of Islamic Economic, Faculty of Economic and Business, Nahdlatul Ulama Islamic University (UNISNU) Jepara, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (476.138 KB) | DOI: 10.34001/nuiej.v1i2.260

Abstract

This research aims to determine the implementation of the murabahah contract and musyarakah mutanaqisah on ownership financing houses in Islamic Banks, as well as the use of musyarakah mutanaqisah contracts as financing product innovations house ownership with a qualitative method. The data in this study were obtained by interview,observation, and documentation. The data sources used are primary data and data secondary. Results from study proofs that the use of musyarakah mutanaqisah contract on home financing ownership in Islamic banks can be product innovation because its use is more flexible and can be used for various product financing. Whereas part big product home financing ownership in Islamic banks still uses a murabahah contract because of a fix installment. Otherwise, musyarakah mutanaqisah contract is an that should not be missed, although not familiar, this contract provides more benefits for the bank and convenience for the customer.
Sustainability of Indonesian Islamic Banking in terms of Corporate Ethical Identity and Corporate Governance Budi Sukardi; Agung Abdullah; Fuad Dhiya Ul Husaen
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 14, No 2 (2022)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v14i2.11664

Abstract

This study empirically demonstrates efforts to strengthen the performance of identity and corporate governance on the sustainability of Islamic banking in Indonesia, the influence of corporate identity performance on Islamic banking governance in Indonesia, and the influence of the performance of corporate identity and governance on the sustainability of Islamic banking in Indonesia.  This is due to the low social function of Islamic banks in Indonesia towards the sustainability of better business, social, and environmental performance.  Types of quantitative research with an ex post facto research design. The research population of all Islamic banks in Indonesia included BMI, BSI, BMSI, and BSMI samples.  The data were analysed using simple additive weighting techniques by modelling using SEM-PLS techniques. The study's conclusions show that strengthening corporate identity performance and corporate governance towards the sustainability of Islamic banking in Indonesia is carried out with regulations, policies, and Sharia compliance. Corporate identity performance positively and significantly affects Islamic banking governance in Indonesia. A company's management has no effect on the sustainability of Islamic banking in Indonesia. This study provides recommendations from the government as a policy regulator that contributes to the supervision of Islamic banks in Indonesia, especially in the implementation of corporate governance, which includes the ethical performance of companies and the sustainability of Islamic banking in Indonesia by making systematic regulations as a reference for Islamic banks. Islamic banks in Indonesia need to re-reflect on neglected social activities because they prioritise commercial activities too much, thus ignoring social activities which are also at the core of bank activities as intermediary institutions and financial services.