Pub Date : 2022-09-30DOI: 10.29103/el-amwal.v5i2.8773
Ahmad Fauzul Hakim, M. M. Nur, Ichsan Ichsan
{"title":"Faktor-Faktor Yang Mempengaruhi Kemandirian Ekonomi Pondok Pesantren","authors":"Ahmad Fauzul Hakim, M. M. Nur, Ichsan Ichsan","doi":"10.29103/el-amwal.v5i2.8773","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i2.8773","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"33 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-09-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131633806","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6587
Burhanuddin Al-Butary, Andri Soemitra, Zuhrinal M. Nawawi
Hal yang menggembirakan bagi umat Islam, Indonesia meruapakan negara muslim terbesar di dunia, disusul secara berturut-turut oleh Pakistan, India, Bangladesh dan Turki. Logis bilamana terdapat banyak ormas Islam yang berperan di negeri ini. Namun tidak dapat dipungkiri peran ekonomi ormas Islam masih relatif kecil. Penelitian ini bertujuan untuk mengeksplor peran ekonomi ormas Islam di Indonesia. Jenis penelitian ini adalah studi literatur, dimana analisis konten dan kualitatif deskriptif merupakan jenis dan pendekatan yang digunakan dalam penelitian ini. Hasil penelitian ini menunjukkan : Pertama, belajar dari sejarah diketahui semangat dan keberanian gerakan ekonomi Islam yang dilakukan oleh tokoh pendiri ormas-ormas Islam di Indonesia pra era kemerdekaan, walaupun mereka selalu mendapat ancaman dari pemerintah Belanda, oleh ormas Islam misalnya Serikat Dagang Islam (SDI), Muhammadiyah dan Nahdlatul Ulama (NU). Kedua, masa Indonesia meredeka dan hingga saat ini organisasi-organisasi kemasyarakatan (ormas) Islam yang tumbuh berkembang dari waktu ke waktu pada umumnya masih belum mampu mandiri secara ekonomi, di antara ormas Islam dimaksud adalah Nahdlaatul Ulama, Muhammadiyah, dam Al Jam’iyatul Wahliyah. Dari hasil penelitian ini diharpkan agar ormas Islam memiliki strategi untuk dapat lebih berperan maju dan modern Islami dalam bidang ekonomi yang dikelola oleh organisasi nir laba.
{"title":"PERAN EKONOMI ORMAS ISLAM DI INDONESIA, Sebuah Studi Literatur","authors":"Burhanuddin Al-Butary, Andri Soemitra, Zuhrinal M. Nawawi","doi":"10.29103/el-amwal.v5i1.6587","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6587","url":null,"abstract":"Hal yang menggembirakan bagi umat Islam, Indonesia meruapakan negara muslim terbesar di dunia, disusul secara berturut-turut oleh Pakistan, India, Bangladesh dan Turki. Logis bilamana terdapat banyak ormas Islam yang berperan di negeri ini. Namun tidak dapat dipungkiri peran ekonomi ormas Islam masih relatif kecil. Penelitian ini bertujuan untuk mengeksplor peran ekonomi ormas Islam di Indonesia. Jenis penelitian ini adalah studi literatur, dimana analisis konten dan kualitatif deskriptif merupakan jenis dan pendekatan yang digunakan dalam penelitian ini. Hasil penelitian ini menunjukkan : Pertama, belajar dari sejarah diketahui semangat dan keberanian gerakan ekonomi Islam yang dilakukan oleh tokoh pendiri ormas-ormas Islam di Indonesia pra era kemerdekaan, walaupun mereka selalu mendapat ancaman dari pemerintah Belanda, oleh ormas Islam misalnya Serikat Dagang Islam (SDI), Muhammadiyah dan Nahdlatul Ulama (NU). Kedua, masa Indonesia meredeka dan hingga saat ini organisasi-organisasi kemasyarakatan (ormas) Islam yang tumbuh berkembang dari waktu ke waktu pada umumnya masih belum mampu mandiri secara ekonomi, di antara ormas Islam dimaksud adalah Nahdlaatul Ulama, Muhammadiyah, dam Al Jam’iyatul Wahliyah. Dari hasil penelitian ini diharpkan agar ormas Islam memiliki strategi untuk dapat lebih berperan maju dan modern Islami dalam bidang ekonomi yang dikelola oleh organisasi nir laba. ","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121035807","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6676
Egha Ezar Junaeka Putra Hassany, Galuh Tri Pambekti
This study was conducted to analyze SWOT (Strength, Weakness Opportunity, and Threat) Open Banking in Islamic banking in Indonesia. The analytical method used is descriptive literature research, namely by providing a description or description of the problems that have been identified and carried out intensively and in detail on a problem from the available literature. The results of this study indicate that there are several strategies that can be taken by Islamic Banking in dealing with Open Banking, including the S-O strategy: cooperation with fintech and e-commerce; and expand the network of cooperation nationally and internationally; W-O strategy: socializing open banking, improving technology and security, and increasing service complaints; S-T strategy: cooperate with other financial institutions, implement standardization prepared by the regulator; and W-O Strategy: multiple security enhancements, sorting out cooperation to third parties, and upgrading Islamic banking internal servers.
{"title":"REVIEW ON THE APPLICATION OF OPEN BANKING IN SHARIA BANKING: AN SWOT ANALYSIS","authors":"Egha Ezar Junaeka Putra Hassany, Galuh Tri Pambekti","doi":"10.29103/el-amwal.v5i1.6676","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6676","url":null,"abstract":"This study was conducted to analyze SWOT (Strength, Weakness Opportunity, and Threat) Open Banking in Islamic banking in Indonesia. The analytical method used is descriptive literature research, namely by providing a description or description of the problems that have been identified and carried out intensively and in detail on a problem from the available literature. The results of this study indicate that there are several strategies that can be taken by Islamic Banking in dealing with Open Banking, including the S-O strategy: cooperation with fintech and e-commerce; and expand the network of cooperation nationally and internationally; W-O strategy: socializing open banking, improving technology and security, and increasing service complaints; S-T strategy: cooperate with other financial institutions, implement standardization prepared by the regulator; and W-O Strategy: multiple security enhancements, sorting out cooperation to third parties, and upgrading Islamic banking internal servers.","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"88 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116012912","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6861
Devi Andri Yani, Humalia Humalia
This study examined the effect of halal tourist destinations on economic growth in West Nusa Tenggara (NTB) Province. The analytical method used was a Multiple Linear Regression. The results indicated that the number of tourist visits positively but insignificantly influenced economic growth in NTB and hotel occupancy rate negatively but insignificantly influenced economic growth in NTB Province. Meanwhile, the results of the F test simultaneously showed that the number of tourist visits and hotel occupancy positively and significantly influenced economic growth in NTB Province. Then, the determination test result was 0.738259, which revealed that the ability of the independent variables to influence the dependent variable was 73..82%, and the other 26.18% was influenced by other variables outside of this study.Keywords: Number of Tourist Visits, Hotel Occupancy Rate, and Economic Growth.
{"title":"PENGARUH DESTINASI WISATA HALAL TERHADAP PERTUMBUHAN EKONOMI DI PROVINSI NUSA TENGGARA BARAT (NTB)","authors":"Devi Andri Yani, Humalia Humalia","doi":"10.29103/el-amwal.v5i1.6861","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6861","url":null,"abstract":"This study examined the effect of halal tourist destinations on economic growth in West Nusa Tenggara (NTB) Province. The analytical method used was a Multiple Linear Regression. The results indicated that the number of tourist visits positively but insignificantly influenced economic growth in NTB and hotel occupancy rate negatively but insignificantly influenced economic growth in NTB Province. Meanwhile, the results of the F test simultaneously showed that the number of tourist visits and hotel occupancy positively and significantly influenced economic growth in NTB Province. Then, the determination test result was 0.738259, which revealed that the ability of the independent variables to influence the dependent variable was 73..82%, and the other 26.18% was influenced by other variables outside of this study.Keywords: Number of Tourist Visits, Hotel Occupancy Rate, and Economic Growth.","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"23 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131582661","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6740
Burhanuddin Al-Butary, Safaruddin Siregar
The civilization of the world of science and technology is now heading towards the era of industrial revolution 4.0 and society 5.0, it takes the readiness of the world community to be able to deal with it. Indonesia, the majority of the population is Muslim, there are many Islamic organizations, one of which is Al Jam'iyatul Washliyah. This study aims to explore the relevance of Al Jam'iyatul Washliyah's planning strategy for the implementation of Islamic Accounting towards the industrial era 4.0 and society 5.0. The methodology used is a literature study approach to national and international journal articles, as well as books and other literature related to Islamic accounting. This research shows that on the one hand PT. BPRS Al-Washliyah has implemented sharia accounting in its operations. On the other hand, the Al-Washliyah organization organizationally still needs to further strengthen its strategy in order to fully implement sharia accounting in accordance with sharia PSAK. The results of this study are that the Islamic community organization which is classified as large in Indonesia is expected to be a model for the rise of a work system based on sharia. Islamic accountants and accounting are the answer to all forms of work in the accounting field that can respond to the challenges of modern times in the era of the industrial revolution 4.0 and society 5.0. Al-Washliyah needs to implement a strategy for implementing sharia accounting, because this is in accordance with Islamic teachings.
{"title":"THE RELEVANCE OF THE PLANNING STRATEGY FOR THE IMPLEMENTATION OF SHARIA ACCOUNTING TOWARDS THE ERA OF THE INDUSTRIAL REVOLUTION 4.0 AND SOCIETY 5.0 BY AL JAM'IYATUL WASHLIYAH","authors":"Burhanuddin Al-Butary, Safaruddin Siregar","doi":"10.29103/el-amwal.v5i1.6740","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6740","url":null,"abstract":"The civilization of the world of science and technology is now heading towards the era of industrial revolution 4.0 and society 5.0, it takes the readiness of the world community to be able to deal with it. Indonesia, the majority of the population is Muslim, there are many Islamic organizations, one of which is Al Jam'iyatul Washliyah. This study aims to explore the relevance of Al Jam'iyatul Washliyah's planning strategy for the implementation of Islamic Accounting towards the industrial era 4.0 and society 5.0. The methodology used is a literature study approach to national and international journal articles, as well as books and other literature related to Islamic accounting. This research shows that on the one hand PT. BPRS Al-Washliyah has implemented sharia accounting in its operations. On the other hand, the Al-Washliyah organization organizationally still needs to further strengthen its strategy in order to fully implement sharia accounting in accordance with sharia PSAK. The results of this study are that the Islamic community organization which is classified as large in Indonesia is expected to be a model for the rise of a work system based on sharia. Islamic accountants and accounting are the answer to all forms of work in the accounting field that can respond to the challenges of modern times in the era of the industrial revolution 4.0 and society 5.0. Al-Washliyah needs to implement a strategy for implementing sharia accounting, because this is in accordance with Islamic teachings.","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"203 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131735504","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6864
Mukhlish Muhammadnur, Ichsan Ichsan, Ahmad Fauzul Hakim, N. Azmi, Nazli Hasan, Munardi Munardi
{"title":"ANALISIS PENGARUH KINERJA KEUANGAN BANK UMUM SYARIAH TERHADAP TINGKAT BAGI HASIL DEPOSITO MUDHARABAH DI INDONESIA","authors":"Mukhlish Muhammadnur, Ichsan Ichsan, Ahmad Fauzul Hakim, N. Azmi, Nazli Hasan, Munardi Munardi","doi":"10.29103/el-amwal.v5i1.6864","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6864","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"42 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131730552","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6775
Falahuddin Falahuddin, Rani Puspitaningrum, Ahmad Fauzul Hakim Hasibuan, Firda Widyastuti
{"title":"Faktor-Faktor Yang Mempengaruhi Peningkatan Jumlah Pembiayaan Pada Bank Muamalat Indonesia (Periode 2013-2020)","authors":"Falahuddin Falahuddin, Rani Puspitaningrum, Ahmad Fauzul Hakim Hasibuan, Firda Widyastuti","doi":"10.29103/el-amwal.v5i1.6775","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6775","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122049655","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6183
Andi Adi Hermawan, Qi Mangku Bahjatulloh
{"title":"Pengaruh Produk Domestik Regional Bruto (PDRB), Pendidikan dan Pengangguran terhadap Tingkat Kemiskinan dengan Zakat sebagai Variabel Moderasi di Indonesia Tahun 2016-2020","authors":"Andi Adi Hermawan, Qi Mangku Bahjatulloh","doi":"10.29103/el-amwal.v5i1.6183","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6183","url":null,"abstract":"","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131314553","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6865
HadiSuprapto Arifin, D. Damanhur, Anwar Puteh, Y. Dharma
Dinars and dirhams, have been used by the population since thousands of years ago, which are known as the essential medium of exchange (thaman haqiqi or thaman khalqi). Islam has introduced the dinar and dirham as currency. Dirham, for the first time used in Aceh during the Samudera-Pasai kingdom, which was then followed by the Aceh Darussalam kingdom and subsequently the use of the gold currency, expanded throughout the archipelago. Dirham, which means money made of silver. But in Samudera-Pasai, dirham means money made of gold. This gold coin weighs 0.57 grams, 18 carat quality with a diameter of one centimeter. Dinar and Dirham in the true sense, namely the dinar is made of 22 carat gold 4.25 grams, and the dirham is made of pure silver 2.975 grams.Based on UUPA No. 11 of 2006, the Aceh government has the authority to set requirements for bank financial institutions and non-bank financial institutions, and the Aceh government can explore gold mines in the Leuser Ecosystem (KEL) for the need to innovate various types of gold currency and gold jewelry that can prosper, can establish dinar-dirham financial institution, making dinar-dirham money, creating e-dinar-dirham, Dinar-DirhamCard, utilizing the Dinar-Dirham as the basis for the Mobil Payment System (MPS); innovating the birth of various currencies for the cyber age under the names Mondex, E-Cash, DigiCash, CyberCash, GoldCash, E-Gold and E-Dinar, E-Dirham, by establishing a Qanun, aiming to invest in the future development of aceh. The institution was given the task of creating dinars, which were kept, monitored, and exchanged. This financial institution in the long term; can be used for safe financial planning, used for children's education funds, family health funds, retirement preparation, and other activities. Meanwhile, physically, the dirham can be used for savings, investment, muamalah, and even zakat, infaq and diyat
{"title":"The Power Of The Acehnese Dinar And Dirham In Muamalah Transactions","authors":"HadiSuprapto Arifin, D. Damanhur, Anwar Puteh, Y. Dharma","doi":"10.29103/el-amwal.v5i1.6865","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6865","url":null,"abstract":"Dinars and dirhams, have been used by the population since thousands of years ago, which are known as the essential medium of exchange (thaman haqiqi or thaman khalqi). Islam has introduced the dinar and dirham as currency. Dirham, for the first time used in Aceh during the Samudera-Pasai kingdom, which was then followed by the Aceh Darussalam kingdom and subsequently the use of the gold currency, expanded throughout the archipelago. Dirham, which means money made of silver. But in Samudera-Pasai, dirham means money made of gold. This gold coin weighs 0.57 grams, 18 carat quality with a diameter of one centimeter. Dinar and Dirham in the true sense, namely the dinar is made of 22 carat gold 4.25 grams, and the dirham is made of pure silver 2.975 grams.Based on UUPA No. 11 of 2006, the Aceh government has the authority to set requirements for bank financial institutions and non-bank financial institutions, and the Aceh government can explore gold mines in the Leuser Ecosystem (KEL) for the need to innovate various types of gold currency and gold jewelry that can prosper, can establish dinar-dirham financial institution, making dinar-dirham money, creating e-dinar-dirham, Dinar-DirhamCard, utilizing the Dinar-Dirham as the basis for the Mobil Payment System (MPS); innovating the birth of various currencies for the cyber age under the names Mondex, E-Cash, DigiCash, CyberCash, GoldCash, E-Gold and E-Dinar, E-Dirham, by establishing a Qanun, aiming to invest in the future development of aceh. The institution was given the task of creating dinars, which were kept, monitored, and exchanged. This financial institution in the long term; can be used for safe financial planning, used for children's education funds, family health funds, retirement preparation, and other activities. Meanwhile, physically, the dirham can be used for savings, investment, muamalah, and even zakat, infaq and diyat","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"132 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123224489","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Pub Date : 2022-04-01DOI: 10.29103/el-amwal.v5i1.6527
Winda Sari Panjaitan, Muhammad Arif, Muhammad Lathief Ilhamy
This research was conducted to determine shariah compliance in determining the auction price of collateral for ib griya financing at Bank Sumut Syariah Medan Branch. The research method used in this research is a descriptive method, in which data are collected, compiled, grouped and analyzed based on facts obtained from the field and then integrated into a clear and focused picture of the problem being studied. While the types of data needed are primary data in the form of interviews with internal bank parties and secondary data in the form of libraries, brochures, articles, and websites. From the results of this study, the authors conclude that 1) the implementation of the mechanism for pricing in the auction of collateral goods is to set a limit value based on the market value and the determination of the auction price set by the Public Appraisal Service Office (KJPP).After the stages of determining the auction price are completed, the bank will submit an auction application and other requirements to the State Property and Auction Service Office (KPKNL). 2)inthe mechanism of price fixing and auction implementation as seen from Shariah Compliance (according to Islamic Sharia) is in appropriate to sharia rules and applicable legal rules, because each step by step the pricing mechanism and auction implementation look at the base price of the auction first bysurveyingto the local market and the central market, a re-assessment carried out by experts in their respective fields, following the rules of procedure, and using the valid data so that it can be facilitated and it does not cause loss to both parties. Therefore it can be concluded that the determination of the auction price for collateral goods in Reducing Risk in Ib Griya Financing at Bank Sumut Syariah Medan Branch is in accordance with shariah compliance (sharia provisions).
{"title":"ANALISIS SHARIAH COMPLIANCE PENETAPAN HARGA LELANG BARANG JAMINAN DALAM MENGURANGI RISIKO PADA PEMBIAYAAN IB GRIYA DI BANK SUMUT SYARIAH CABANG MEDAN","authors":"Winda Sari Panjaitan, Muhammad Arif, Muhammad Lathief Ilhamy","doi":"10.29103/el-amwal.v5i1.6527","DOIUrl":"https://doi.org/10.29103/el-amwal.v5i1.6527","url":null,"abstract":"This research was conducted to determine shariah compliance in determining the auction price of collateral for ib griya financing at Bank Sumut Syariah Medan Branch. The research method used in this research is a descriptive method, in which data are collected, compiled, grouped and analyzed based on facts obtained from the field and then integrated into a clear and focused picture of the problem being studied. While the types of data needed are primary data in the form of interviews with internal bank parties and secondary data in the form of libraries, brochures, articles, and websites. From the results of this study, the authors conclude that 1) the implementation of the mechanism for pricing in the auction of collateral goods is to set a limit value based on the market value and the determination of the auction price set by the Public Appraisal Service Office (KJPP).After the stages of determining the auction price are completed, the bank will submit an auction application and other requirements to the State Property and Auction Service Office (KPKNL). 2)inthe mechanism of price fixing and auction implementation as seen from Shariah Compliance (according to Islamic Sharia) is in appropriate to sharia rules and applicable legal rules, because each step by step the pricing mechanism and auction implementation look at the base price of the auction first bysurveyingto the local market and the central market, a re-assessment carried out by experts in their respective fields, following the rules of procedure, and using the valid data so that it can be facilitated and it does not cause loss to both parties. Therefore it can be concluded that the determination of the auction price for collateral goods in Reducing Risk in Ib Griya Financing at Bank Sumut Syariah Medan Branch is in accordance with shariah compliance (sharia provisions).","PeriodicalId":106000,"journal":{"name":"el-Amwal","volume":"16 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-04-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128243277","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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