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Journal of Islamic Banking
Published by Institut Agama Islam Al Hikmah Tuban
ISSN : 27237907     EISSN : 27237885     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal of Islamic Banking is a periodical scientific journal managed and published by the Sharia Banking Study Program, IAI Hikmah Tuban. This journal specializes in the study of Islamic banking. The manager welcomes contributions in the form of articles from scientists, scholars, professionals and researchers related to Islamic economic studies. The article will be published after going through the mechanism of selection of the manuscript, review of free partners, and editing process. All articles published are the views and are the responsibility of the author and do not represent this journal or the authors affiliated body. The Journal of Islamic Banking is published twice a year in June and December
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 34 Documents
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Analisis Pelaksanaan Akad Bai’ Bitsaman Ajil dan Penetapan Margin Keuntungan Pada Pembiayaan Modal Kerja Usaha Mikro Di Baitul Maal Wa Tamwil Muamalah Tulungagung Arga Fajar Mustofa; Mei Santi; Hasan Sultoni
Journal of Islamic Banking Vol 1 No 1 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Financing products with a bai' bitsaman ajil contract is one of the financing products offered by BMT Muamalah Tulungagung and is a type of product that is quite in demand by micro businesses to meet working capital needs such as for purchasing goods or business equipment and other productive working capital needs. However, in practice, there are still many people who tend to equalize the implementation and consider the profit margins determined to be similar to those in conventional banks. So it needs to be further investigated, with the formulation of the problem in this study, namely: How is the implementation of the bai’ bitsaman contract on the financing of working capital for micro businesses in BMT Muamalah Tulungagung? and What is the technique for determining the profit margins of the bai’ bitsaman ajil in financing working capital for micro businesses in BMT Muamalah Tulungagung?. This research belongs to the type of field research with a qualitative research approach and data collection is done by observation, interview and documentation techniques. Based on the results of the study, it can be stated that the implementation of the bai’ bitsaman ajil in financing contract on microbusiness working capital financing in BMT Muamalah Tulungagung is carried out through two models, namely the bai’ bitsaman ajil in financing contract in a pure manner and the bai’ bitsaman ajil in financing a covenant with the inclusion of wakalah contract. Basically, the implementation refers to sharia provisions, but in the implementation, especially the bai’ bitsaman ajil in financing contract by including wakalah agreement has not been fully implemented in accordance with the provisions of the DSN-MUI Fatwa. While the technique of determining profit margins for bai’ bitsaman ajil in financing working capital for micro businesses in BMT Muamalah Tulungagung has been carried out based on sharia provisions, which is carried out through an agreement between the BMT and members and in the determination of profit margins is carried out through considerations as determined at the meeting ALCO Islamic bank. Keywords: Bai’ Bitsaman Ajil, Margin, Financing, Working Capital.
Pengelolaan Zakat Untuk Membangun Kesejahteraan Umat Dalam Tinjauan Hukum Ekonomi Syariah Muhammad Aziz
Journal of Islamic Banking Vol 1 No 1 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Zakat is an important instrument in building the country's economy. The history of Islam has proven the effectiveness of zakat in eradicating poverty. Looking at the estimated potential of zakat in Indonesia and the existing reality in society, it can be seen that there is a gap between the rich and the poor. The potential for zakat funds in Indonesia is estimated to reach Rp. 200 trillion, while the poverty rate in Indonesia is still high. The meaning of the managed zakat fund is still far from the predicted potential. BAZNAS as the state zakat management institution sees that there are several factors that make this management not optimal. One of them is the lack of trust of the muzakki that arises because the reports on the management of zakat funds by amil zakat institutions are not yet transparent. Apart from trying to increase public trust, BAZNAS implements programs in the fields of health, education and community welfare. As a result of this effort, the poverty rate in Indonesia has gradually decreased, and in the future it is hoped that it can eradicate poverty in Indonesia. Keywords: zakat, management, the role of zakat, zakat program
Tinjauan Hybrid Contract Perspektif Maqashid Syari'ah Agus Wahyu Irawan; Zulfatun Anisah
Journal of Islamic Banking Vol 1 No 1 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

The purpose of this study is to determine the hybrid or multi-contract contract pattern or perspective of al-ûuqûd al-murakkabah maqâshid syarîah. In the classical muamalah fiqh literature it is stated that a contract is prohibited because it contains gharar, but in its development, hybrid contracts in the contemporary muamalah fiqh literature are permitted but on condition that the contract that supports it is carried out independently. The acquisition of this hybrid contract is based on the principle of maslahah which is the core of the maqâshid syarî'ah. In Islamic banking financing, the majority built on hybrid contracts, of course, must conflict with regulations relating to the types of financing provided. This research is a normative legal research, using a conceptual approach. Because it is more focused on producing descriptive data from laws, books, books, and contract data (contracts) in sharia banking and maqâshid syarî'ah that underlie the emergence of fatwas or legal rules regarding the implementation of sharia banking products that contain hybrid contracts. The analysis technique used in this research is descriptive analysis. From the research conducted by the author, there are several maqâshid about the validity of the hybrid contract on Islamic banking that the author gets, namely: maintaining religion, soul, reason, religion, and property (halal oriented) Keyword : hybrid contract, and maqâshid syarî’ah.
Analisis Etika Bisnis Terhadap Lingkungan Kerja di BMT BUS Singgahan Tuban Wahyuni Wahyuni
Journal of Islamic Banking Vol 1 No 1 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This study aims to clearly illustrate the islamic business ethics of the work environment in Baitul Maal wat Tamwil, as well as the role of the work environment in Baitul Maal wat Tamwil Bus Singgahan-Tuban. The analysis of the research was conducted using the method of date collection techniques, which were used in the study, namely: Obsevation method is “a thechnique carried out by conducting careful observations and recording systematically”, the questionnaire method is a research tool in the form of a list of questions to obtain information from respondents. And interview method is a “Dialogue conducted by the interviewver to obtain information from the interviewee” The result showed that there was s significant influence between islamic bussines ethics on the work environment at Baitul Maal wat Tamwil Bus Singgahan-Tuban, namely to create a conductive, safe and comfortable working atmosphere. BMT Bus singgahan emphaszed and monitored good communication between others respect the opinions of other employees, both superiors and subordinates, advising and reminding each other, in addition to instilling a sense of kinship that is intertwined between superiors with employees and with fellow employees, as well as helping each other (Ta'awun) and maintaining Silaturahim ropes, so as to create a relationship a harmonious work environment and the role of the work environment is to develop employee competence. As has been explained that Islam encourages training (training) for employees with the aim of developing employee competencies and technical abilities in carrying out their work responsibilities. This can be seen with the Training provided by BMT BUS Singgahn-Tuban to new and old employees. Keywords: Islamic business ethics, working environment conditions, the role of the work environment
Implementasi Etika Bisnis Islam Terhadap Pengalokasian Dana di Baitul Maal Wat Tamwil Bina Ummat Sejahtera Cabang Senori Tuban Ana Nur Anisah
Journal of Islamic Banking Vol 1 No 1 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

This study aims to determine the implementation of Islamic business ethics on the allocation of funds in the Baitul Maal Wat Tamwil Bina Umat Sejahtera (BMT BUS) Senori branch. Business ethics in allocating funds is very important for every financial institution, especially sharia. Because in allocating these funds must be done well and late so that the goals of the institute can be achieved. And Islamic business ethics must be applied in Islamic financial institutions as a form of implementation and responsibility of the Islamic ummah in carrying out Islamic law in muamalah. BMT BUS is one of the non-bank financial institutions engaged in savings and loans. The main activity is to collect and distribute funds from and to members in exchange for profit sharing from profit margins obtained by BMT from the sale and purchase mark up. The research uses qualitative methods with data collection methods using observation, interviews and documentation as well as descriptive qualitative data analysis methods. The results obtained can be concluded as follows: 1. The contract used at BMT BUS Senori is Murabahah and Mudharabah contract; 2. The allocation of funds in BMT BUS Senori so far is by collecting funds from the public in the form of savings and channeling them to the public in the form of financing; 3. The application of Islamic business ethics to the allocation of funds has been carried out in accordance with sharia business ethics as well as in accordance with its Standard Operational Procedure. Keywords: Business ethics, allocation of funds, Baitul Maal Wat Tamwil Bina Umat Sejahtera
Produksi Dalam Ekonomi Islam Nanik Nur Azizah
Journal of Islamic Banking Vol 1 No 2 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

In the economy, production activities are one of the activities that affect public consumption. Production is also an activity carried out to add value to an item or create new, useful goods. Producing an item is generally based on human needs. Production activities are carried out to meet consumer needs and to produce a maslahah for producers. Producers try to maximize production at a certain cost in order to obtain maximum profit. Likewise, consumers who meet their needs in an efficient manner, producers also want to meet their needs by producing goods at the cheapest cost. Apart from being profit-oriented, there are some of the producers who carry out their production in order to achieve mutual benefit in society. In this research, the author described the production from Islamic economics point of view. Keywords: Production, Producers, Islamic economics
Peluang Perbankan Syariah Dalam Perekonomian Di Indonesia Nur Roikhatul Jannah
Journal of Islamic Banking Vol 1 No 2 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Islamic banking is a banking system developed based on Islamic sharia (law). Indonesia, where the majority of the population is Muslim, provides a large enough room for the development of Islamic banks. The development of Islamic banking has become a measure of the success of the existence of the Islamic economy. Bank Muamalat as the first Islamic bank and a pioneer for other Islamic banks has already implemented the sharia system amid the proliferation of conventional banks. Islamic banks are not new to the banking world. We know that at the end of the 90s, many conventional banks were liquidated due to the monetary crisis, but in fact, Islamic banking was able to survive, develop and continue to exist today. Shari'ah banking is increasingly recognized in the community from day to day. The opportunity for Islamic banking in the future is enormous. However, the opportunity to become a well-established sharia banking cannot be separated from various challenges. All challenges need to be faced, solved so that the right solution is sought for the advancement of Islamic banking. Keywords: Sharia Banking, Opportunities, Challenges
Pengaruh Jual Beli Online dan Jual Beli di Pasar terhadap Persaingan Pemasaran Islam Masa Pandemi Siti Hofifah
Journal of Islamic Banking Vol 1 No 2 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

The form of the problem in this journal is the finding of problems in product marketing competition between online buying and selling and buying and selling in the market during the pandemic period, where most producers experienced a decline in income. This is due to the emergence of the Covid-19 outbreak. So that producers must have and know how to get enthusiasm from consumers, increase turnover, and know the advantages and disadvantages of buying and selling online and buying and selling in the market so that producers get maximum results. The purpose of this journal is to find out how to get enthusiasm from consumers, to find out how to increase turnover, and to find out the advantages and disadvantages of buying and selling online and buying and selling in the market. This research is a qualitative research. The research technique used is a questionnaire. Keywords: Marketing, Online Buying and Selling, Market
Teladan Rasulullah SAW Sebagai Dasar Implementasi Sumber Daya Insani Mushlih Candrakusuma
Journal of Islamic Banking Vol 1 No 2 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

Rasulullah SAW, Was a superior figure and the greatest role model in the history of humanity. The side of life is nervous with wisdom that can be studied and extracted from various dimensions of life. However, many Muslims themselves experience farsightedness, narrow in seeing their own apostles. He was only present as an apostle / prophet who deserves to be emulated by the office for affairs of mosques, madrasas and prayer rooms. Whereas his example is broader, involving human resources capable of solving socio-cultural, economic and political problems. The example will be implemented, will lead the people and achieve the vision and mission of the apostolate, namely to be a blessing for the universe, to the happiness of the world and the hereafter (falah). Keywords: Uswatun Hasanah, Character, Implementation, Human Resources
Sejarah Perbankan Syariah (Dari Konseptual Hingga Institusional) Devid Frastiawan Amir Sup; Selamet Hartanto
Journal of Islamic Banking Vol 1 No 2 (2020): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Al Hikmah Tuban

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Abstract

The existing Islamic banking institutions are the result of a long journey in the history of Islamic banking. This research aimed to describe the history of Islamic banking, from conceptual to institutional. This research was a follow-up research, the aim of which was to complement the existing discussion of Islamic banking. This research used a qualitative-literature method. The results obtained indicated that the main functions of modern banking have been a part since the time of the Prophet Muhammad, the caliphs, and Muslim dynasties. The formation of Islamic banks was preceded by the prohibition of usury which led to criticism and thoughts from Muslim scholars. Then came the pioneering implementation of the sharia system in Pakistan, Malaysia, India, and Egypt. The development of Islamic banks internationally began with the Foreign Minister's Session organized by the Organization of the Islamic Conference (OIC) which founded the Islamic Development Bank (IDB). Since then, Islamic banks have sprung up in Egypt, Sudan, the Gulf countries, Pakistan, Iran, Malaysia, Bangladesh, Turkey and other countries. In Indonesia, Bank Muamalat Indonesia (BMI) is the first Islamic bank to be established. To date, in Indonesia, commercial banks that carry out Islamic banking operations are classified into Commercial Banks and Sharia Business Units (UUS) Keywords: Bank interest, prohibition of usury, Islamic banking

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