Pub Date : 2023-12-15DOI: 10.33558/attamwil.v2i2.8052
Rayhan Abdul Majid, Anna Sardiana
This article aims to explain the influence of income, Religiosity, and knowledge of private employees on interest in paying zakat at Amil Zakat Institutions and Zakat Management Organizations (LAZ/OPZ). Data was collected using questionnaires distributed to private employees in the Mega Kuningan area, South Jakarta with a sample of 100 people. This type of research is quantitative descriptive research with a purposive sampling method. This research was analyzed using multiple regression analysis through the IBM SPSS Statistics 22 program. From the results of the t test (partially) the independent variables income (X1), trust (X2), and knowledge (X3) each have an influence on the dependent variable Interest in Paying Zakat (Y). And from the results of the F test, all of these independent variables also simultaneously influence the dependent variable of interest in paying zakat.
本文旨在解释私人雇员的收入、宗教信仰和知识对在天课机构和天课管理组织（LAZ/OPZ）缴纳天课的兴趣的影响。通过向雅加达南部 Mega Kuningan 地区的私人雇员发放调查问卷收集数据，样本为 100 人。该研究属于定量描述性研究，采用目的性抽样方法。本研究使用 IBM SPSS 统计 22 程序进行多元回归分析。从 t 检验（部分）的结果来看，自变量收入（X1）、信任（X2）和知识（X3）对因变量支付天课的兴趣（Y）都有影响。从 F 检验的结果来看，所有这些自变量也同时影响因变量 "支付天课的兴趣"。
{"title":"Pengaruh Pendapatan, Kepercayaan, Dan Pengetahuan Terhadap Minat Membayar Zakat (Studi Pada Karyawan Di Kawasan Mega Kuningan)","authors":"Rayhan Abdul Majid, Anna Sardiana","doi":"10.33558/attamwil.v2i2.8052","DOIUrl":"https://doi.org/10.33558/attamwil.v2i2.8052","url":null,"abstract":"This article aims to explain the influence of income, Religiosity, and knowledge of private employees on interest in paying zakat at Amil Zakat Institutions and Zakat Management Organizations (LAZ/OPZ). Data was collected using questionnaires distributed to private employees in the Mega Kuningan area, South Jakarta with a sample of 100 people. This type of research is quantitative descriptive research with a purposive sampling method. This research was analyzed using multiple regression analysis through the IBM SPSS Statistics 22 program. From the results of the t test (partially) the independent variables income (X1), trust (X2), and knowledge (X3) each have an influence on the dependent variable Interest in Paying Zakat (Y). And from the results of the F test, all of these independent variables also simultaneously influence the dependent variable of interest in paying zakat.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"14 4","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-15","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138996627","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 : 2023-12-14DOI: 10.33558/attamwil.v2i2.8019
N. Fauziyyah, Isfandayani Isfandayani, Siti Mardiah
The BPRS is one of the islamic finansial institutions that has positive development in Indonesia. BPRS activities are not much different from Sharia Commercial Banks, one of which is distributing financing. The most widely used financing for BPRS in Indonesia is murabahah financing. With the amount of murabahah financing carried out, BPRS must monitor so the implementation of financing is in accordance with the sharia principles, in accordance with the agreement, dan to keep the murabahah financing provided in a good condition. This study aims to determine the methods for enforcing murabahah financing at BPRS Patriot Bekasi, financing monitoring procedures for murabahah financing at BPRS Patriot Bekasi, and analyzing the monitoring implementation of murabahah financing at BPRS Patriot Bekasi. This study uses a qualitative research. The data sources used are primary data and secondary data, with data collection techniques through interviews, library research, and documentation. Data analysis techniques used in this study, are data reduction, facts presentation, and drawing conclusions. The results of the study is indicate that BPRS Patriot Bekasi adheres to the 5C principle inside the implementation of murabahah financing. The procedure for monitoring of murabahah financing at BPRS Patriot Bekasi is corresponding with the theory but with different name, that is On Site Monitoring and Off Site Monitoring.
{"title":"Analisis Pelaksanaan Monitoring Terhadap Pembiayaan Murabahah Di BPRS Patriot Bekasi","authors":"N. Fauziyyah, Isfandayani Isfandayani, Siti Mardiah","doi":"10.33558/attamwil.v2i2.8019","DOIUrl":"https://doi.org/10.33558/attamwil.v2i2.8019","url":null,"abstract":"The BPRS is one of the islamic finansial institutions that has positive development in Indonesia. BPRS activities are not much different from Sharia Commercial Banks, one of which is distributing financing. The most widely used financing for BPRS in Indonesia is murabahah financing. With the amount of murabahah financing carried out, BPRS must monitor so the implementation of financing is in accordance with the sharia principles, in accordance with the agreement, dan to keep the murabahah financing provided in a good condition. This study aims to determine the methods for enforcing murabahah financing at BPRS Patriot Bekasi, financing monitoring procedures for murabahah financing at BPRS Patriot Bekasi, and analyzing the monitoring implementation of murabahah financing at BPRS Patriot Bekasi. This study uses a qualitative research. The data sources used are primary data and secondary data, with data collection techniques through interviews, library research, and documentation. Data analysis techniques used in this study, are data reduction, facts presentation, and drawing conclusions. The results of the study is indicate that BPRS Patriot Bekasi adheres to the 5C principle inside the implementation of murabahah financing. The procedure for monitoring of murabahah financing at BPRS Patriot Bekasi is corresponding with the theory but with different name, that is On Site Monitoring and Off Site Monitoring.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"23 7","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139002969","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 : 2023-12-14DOI: 10.33558/attamwil.v2i2.8046
Ahmad Fayumi, Fajri Ryan Isnandar
This research focuses on the marketing strategy of the iB Student Savings BTN (SimPel) product during the Covid-19 at Bank BTN KCPS Cikarang. Researchers conducted data analysis methods using a mix of methods, namely qualitative and quantitative methods with an IFE matrix approach, an EFE matrix,and a SWOT matrix. By using the depth interview (in-depth interviews) to several human resources who have the authority to determine strategic decisions related to the marketing of the iB Student Savings BTN product. The results showed that based on the SWOT matrix, the SO strategy was obtained which focused on its target market and utilized various digital media in terms of introducing and marketing SIMPEL iB products. The WO strategy is to collaborate with various non-academic educational institutions and. ST strategy is to take advantage of the company's internal strengths to seize opportunities in the form of submitting offers of cooperation to schools using email and conducting online meetings
{"title":"Strategi Pemasaran Produk SimPel iB Bank BTN Syariah Saat Pandemi Covid-19","authors":"Ahmad Fayumi, Fajri Ryan Isnandar","doi":"10.33558/attamwil.v2i2.8046","DOIUrl":"https://doi.org/10.33558/attamwil.v2i2.8046","url":null,"abstract":"This research focuses on the marketing strategy of the iB Student Savings BTN (SimPel) product during the Covid-19 at Bank BTN KCPS Cikarang. Researchers conducted data analysis methods using a mix of methods, namely qualitative and quantitative methods with an IFE matrix approach, an EFE matrix,and a SWOT matrix. By using the depth interview (in-depth interviews) to several human resources who have the authority to determine strategic decisions related to the marketing of the iB Student Savings BTN product. The results showed that based on the SWOT matrix, the SO strategy was obtained which focused on its target market and utilized various digital media in terms of introducing and marketing SIMPEL iB products. The WO strategy is to collaborate with various non-academic educational institutions and. ST strategy is to take advantage of the company's internal strengths to seize opportunities in the form of submitting offers of cooperation to schools using email and conducting online meetings","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"15 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139001399","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 : 2023-12-14DOI: 10.33558/attamwil.v2i2.8017
Nur Yasinta Amalia, Rafika Rahmawati
This study aims to measure the maximum potential loss or VaR value for each type of Foreign Exchange based on the calculation results for 1 day, 5 days, and 20 days at Bank Muamalat Indonesia and determine the implementation of risk management applied by Bank Muamalat Indonesia to deal with foreign exchange risk. The research method in measuring Value at Risk of foreign exchange rates uses quantitative methods. The type of data that the author uses in this study is secondary time series data on foreign exchange rates of USD, JPY, EUR, and SAR at Bank Muamalat Indonesia. during the time period 2 January 2018 to 31 December 2018. Data analysis techniques in the study were carried out in several stages, namely calculating exchange rate returns, volatility and daily value at risk. The results showed that the maximum exchange rate risk borne in 1 day, 5 days and 20 days with a 95% confidence level. The implementation of underlying in foreign exchange transactions at Bank Muamalat Indonesia refers to the National Sharia Council regulation No.96 / DSN-MUI / IV / 2015 concerning Sharia Hedging Transactions (Al-Tahawwuth Al-Islami / Islamic Hedging) on Exchange Rates. Bank Muamalat has conducted hedging cooperation with PT Kharisma Pemasaran Bersama Nusantara (KPBN) or Indonesia Commodity (Inacom) on 05 December 2019 as a form of Foreign Exchange Rate risk management.
{"title":"Analisis Risiko Nilai Tukar Mata Uang Asing Dengan Menggunakan Metode Value at Risk (VAR) Pada Bank Muamalat Indonesia","authors":"Nur Yasinta Amalia, Rafika Rahmawati","doi":"10.33558/attamwil.v2i2.8017","DOIUrl":"https://doi.org/10.33558/attamwil.v2i2.8017","url":null,"abstract":"This study aims to measure the maximum potential loss or VaR value for each type of Foreign Exchange based on the calculation results for 1 day, 5 days, and 20 days at Bank Muamalat Indonesia and determine the implementation of risk management applied by Bank Muamalat Indonesia to deal with foreign exchange risk. The research method in measuring Value at Risk of foreign exchange rates uses quantitative methods. The type of data that the author uses in this study is secondary time series data on foreign exchange rates of USD, JPY, EUR, and SAR at Bank Muamalat Indonesia. during the time period 2 January 2018 to 31 December 2018. Data analysis techniques in the study were carried out in several stages, namely calculating exchange rate returns, volatility and daily value at risk. The results showed that the maximum exchange rate risk borne in 1 day, 5 days and 20 days with a 95% confidence level. The implementation of underlying in foreign exchange transactions at Bank Muamalat Indonesia refers to the National Sharia Council regulation No.96 / DSN-MUI / IV / 2015 concerning Sharia Hedging Transactions (Al-Tahawwuth Al-Islami / Islamic Hedging) on Exchange Rates. Bank Muamalat has conducted hedging cooperation with PT Kharisma Pemasaran Bersama Nusantara (KPBN) or Indonesia Commodity (Inacom) on 05 December 2019 as a form of Foreign Exchange Rate risk management.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139001459","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 : 2023-12-14DOI: 10.33558/attamwil.v2i2.8047
Nova Rini
Conventional interest-based monetary policy has yet to be effective in overcoming monetary problems. So, this article is to discuss how to apply qard al hasan as one of the sharia monetary instruments in Indonesia. The method used is literature study. The results of the analysis and discussion show that Qard al Hasan's Monetary Policy can be implemented in Indonesia. This is because Qard al Hasan is very in accordance with the Qur'an and Hadith and the implementation of Qard al Hasan-based monetary policy can not only stabilize prices and inflation, but also can increase national production or GDP and reduce the number of poor people. Bank Indonesia as the executor of Monetary Policy can apply the Qard al Hasan system, because Bank Indonesia has started to create a database of community groups that have Micro, Small and Medium Enterprises, so that the implementation of Qard al Hasan in Indonesia can be implemented.
传统的以利息为基础的货币政策在解决货币问题方面尚未取得成效。因此，本文将讨论如何在印尼应用 qard al hasan 作为伊斯兰教法货币工具之一。采用的方法是文献研究。分析和讨论结果表明，Qard al Hasan 货币政策可以在印尼实施。这是因为《哈桑圣训》非常符合《古兰经》和《圣训》的内容，实施基于《哈桑圣训》的货币政策不仅可以稳定物价和通货膨胀，还可以提高国民生产或国内生产总值，减少贫困人口。印尼银行作为货币政策的执行者，可以应用 "卡德-哈桑 "系统，因为印尼银行已开始创建一个拥有微型、小型和中型企业的社区团体数据库，以便在印尼实施 "卡德-哈桑 "系统。
{"title":"Qard Al Hasan: Instrumen Moneter Syariah Dalam Peningkatan Kesejahteraan Masyarakat Indonesia","authors":"Nova Rini","doi":"10.33558/attamwil.v2i2.8047","DOIUrl":"https://doi.org/10.33558/attamwil.v2i2.8047","url":null,"abstract":"Conventional interest-based monetary policy has yet to be effective in overcoming monetary problems. So, this article is to discuss how to apply qard al hasan as one of the sharia monetary instruments in Indonesia. The method used is literature study. The results of the analysis and discussion show that Qard al Hasan's Monetary Policy can be implemented in Indonesia. This is because Qard al Hasan is very in accordance with the Qur'an and Hadith and the implementation of Qard al Hasan-based monetary policy can not only stabilize prices and inflation, but also can increase national production or GDP and reduce the number of poor people. Bank Indonesia as the executor of Monetary Policy can apply the Qard al Hasan system, because Bank Indonesia has started to create a database of community groups that have Micro, Small and Medium Enterprises, so that the implementation of Qard al Hasan in Indonesia can be implemented.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"5 7","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"138971054","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 : 2023-12-14DOI: 10.33558/attamwil.v2i2.8018
Ayu Santiya, Rizal Fahlevi
The Syndicated financing is one of the strategies that can be carried out by Islamic banking, especially Islamic people's financing banks to get a relatively safe boost of Islamic banking industry assets. With the implementation of syndication, Islamic banking can enter the corporate sector and government infrastructure projects. BPRS has the potential to earn large profits, but can also mitigate relatively large risks.This study aims to find out how the implementation of syndicated musharaka financing at BPRS HIK Cibitung and analysis of syndication financing conformity with the DSN fatwa Number 91/DSN-MUI/IV/2014.This research is a qualitative research. Sources of data in the form of primary data, and secondary data. Primary data was obtained by conducting interviews with the BPRS HIK Cibitung. Literature studies were obtained from books, journals, official websites and documents related to syndicated financing. The data analysis technique was carried out in three steps, namely data reduction, data presentation, and drawing conclusion. The results of this study indicate that the syndicated financing at BPRS HIK Cibitung is in accordance with the fatwa dsn-mui number 91 of 2014. However, there are several points in the fatwa dsn-mui that have never been used by BPRS HIK Cibitung.
{"title":"Implementasi Fatwa DSN MUI Terhadap Pembiayaan Sindikasi Melalui Akad Musyarakah Pada BPRS HIK Cibitung","authors":"Ayu Santiya, Rizal Fahlevi","doi":"10.33558/attamwil.v2i2.8018","DOIUrl":"https://doi.org/10.33558/attamwil.v2i2.8018","url":null,"abstract":"The Syndicated financing is one of the strategies that can be carried out by Islamic banking, especially Islamic people's financing banks to get a relatively safe boost of Islamic banking industry assets. With the implementation of syndication, Islamic banking can enter the corporate sector and government infrastructure projects. BPRS has the potential to earn large profits, but can also mitigate relatively large risks.This study aims to find out how the implementation of syndicated musharaka financing at BPRS HIK Cibitung and analysis of syndication financing conformity with the DSN fatwa Number 91/DSN-MUI/IV/2014.This research is a qualitative research. Sources of data in the form of primary data, and secondary data. Primary data was obtained by conducting interviews with the BPRS HIK Cibitung. Literature studies were obtained from books, journals, official websites and documents related to syndicated financing. The data analysis technique was carried out in three steps, namely data reduction, data presentation, and drawing conclusion. The results of this study indicate that the syndicated financing at BPRS HIK Cibitung is in accordance with the fatwa dsn-mui number 91 of 2014. However, there are several points in the fatwa dsn-mui that have never been used by BPRS HIK Cibitung.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"13 22","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-12-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"139001317","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 : 2023-07-03DOI: 10.33558/attamwil.v2i1.7066
Alamatus Saadah, Arief Widyananto
This study aims to determine the effect of product knowledge and Islamic principles on Islamic banks by describing employee responses to Islamic banking. The research method used qualitative with the research sample being employees and teaching staff at Teratai Putih Global Vocational School 3 and 4 Bekasi, because the school cooperates with the BNI Syariah bank. Data collection techniques by distributing questionnaires, then analyzed using multiple regression analysis techniques. The results of the study show that the products and principles of Sharia contained in Islamic banks have the same positive and significant effect partially and simultaneously on the intention to choose an Islamic bank.
{"title":"Pengaruh Pengetahuan Produk Dan Prinsip Syariah Islam Terhadap Minat Memilih Bank Syariah","authors":"Alamatus Saadah, Arief Widyananto","doi":"10.33558/attamwil.v2i1.7066","DOIUrl":"https://doi.org/10.33558/attamwil.v2i1.7066","url":null,"abstract":"This study aims to determine the effect of product knowledge and Islamic principles on Islamic banks by describing employee responses to Islamic banking. The research method used qualitative with the research sample being employees and teaching staff at Teratai Putih Global Vocational School 3 and 4 Bekasi, because the school cooperates with the BNI Syariah bank. Data collection techniques by distributing questionnaires, then analyzed using multiple regression analysis techniques. The results of the study show that the products and principles of Sharia contained in Islamic banks have the same positive and significant effect partially and simultaneously on the intention to choose an Islamic bank.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123709760","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 : 2023-07-03DOI: 10.33558/attamwil.v2i1.7067
Nur Jannah, Fajri Ryan Isnandar
This study aims to examine how BTN Syariah Bekasi branch office customer satisfaction is related to service quality, product and profit sharing amount. The research method uses quantitative research with data collection techniques through observation, documentation, and distributing questionnaires to 82 respondents. The results of the research show that the quality of service, product quality and the amount of profit sharing on deposits affect customer satisfaction either partially or simultaneously. This indicates that customer satisfaction at the BTN Syariah Bekasi Branch Office needs development for the BTN iB On Call deposit product through strategy and evaluation of these products with the hope that in the future customers will have the same interest as the BTN iB deposit product.
{"title":"Pengaruh Kualitas Layanan, Produk Dan Jumlah Bagi Hasil Deposito Terhadap Kepuasan Nasabah Di BTN Syariah Kantor Cabang Bekasi","authors":"Nur Jannah, Fajri Ryan Isnandar","doi":"10.33558/attamwil.v2i1.7067","DOIUrl":"https://doi.org/10.33558/attamwil.v2i1.7067","url":null,"abstract":"This study aims to examine how BTN Syariah Bekasi branch office customer satisfaction is related to service quality, product and profit sharing amount. The research method uses quantitative research with data collection techniques through observation, documentation, and distributing questionnaires to 82 respondents. The results of the research show that the quality of service, product quality and the amount of profit sharing on deposits affect customer satisfaction either partially or simultaneously. This indicates that customer satisfaction at the BTN Syariah Bekasi Branch Office needs development for the BTN iB On Call deposit product through strategy and evaluation of these products with the hope that in the future customers will have the same interest as the BTN iB deposit product.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"35 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-03","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"116423697","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 : 2023-06-28DOI: 10.33558/attamwil.v2i1.7065
Dian Lestari Styaningrum, Purnama Putra
This study aims to determine the suitability of BSM E-Money products according to the DSN MUI Fatwa on one of the products at Bank Syariah Mandiri. This study used a qualitative descriptive method with data collection carri ed out through observation, interviews and documentation of two sources of informants, namely the Central Bank Syariah Mandiri Office and the DSN-MUI Institute Office. Data analysis techniques were carried out in three steps, namely: data reduction, data presentation, and drawing conclusions. The results of this study indicate that according to the DSN-MUI Fatwa, a product that has been legalized and marketed states that the product is in accordance with the DSN-MUI Fatwa No. 116 because if the product is not in accordance with the existing Fatwa or violates the provisions, the Bank Indonesia Authority or OJK has the authority to reprimand or stop the product. According to Bank Syariah Mandiri, so far BSM E-Money products are still operating in accordance with existing regulations, it can be concluded that Products in Electronic Money transactions at Bank Syariah Mandiri have complied with DSN-MUI Fatwa No. 116, approved by the Sharia Supervisory Board (DPS) and obtained a permit from Bank Indonesia or the Financial Services Authority (OJK). The product complies with sharia principles and is declared in accordance with the DSN-MUI Fatwa, only that there are sharia problems.
本研究旨在根据DSN MUI Fatwa对伊斯兰曼迪利银行产品之一的适用性来确定BSM电子货币产品的适用性。本研究采用定性描述方法，通过观察、访谈和记录两个信息源，即中央银行伊斯兰教曼迪利办公室和DSN-MUI研究所办公室，收集数据。数据分析技术分三个步骤进行，即:数据简化、数据呈现和得出结论。本研究结果表明，根据DSN-MUI法特瓦，已合法化和销售的产品声明该产品符合DSN-MUI第116号法特瓦，因为如果该产品不符合现有法特瓦或违反规定，印度尼西亚银行管理局或OJK有权谴责或停止该产品。根据伊斯兰教曼迪里银行的说法，到目前为止，BSM电子货币产品仍然按照现行规定运营，可以得出结论，伊斯兰教曼迪里银行的电子货币交易产品符合DSN-MUI第116号法特瓦，经伊斯兰教法监事会(DPS)批准，并获得印度尼西亚银行或金融服务管理局(OJK)的许可。该产品符合伊斯兰教原则，并根据DSN-MUI法特瓦宣布，只是存在伊斯兰教问题。
{"title":"Produk E-Money Bank Syariah dalam Perspektif Kajian Islam","authors":"Dian Lestari Styaningrum, Purnama Putra","doi":"10.33558/attamwil.v2i1.7065","DOIUrl":"https://doi.org/10.33558/attamwil.v2i1.7065","url":null,"abstract":"This study aims to determine the suitability of BSM E-Money products according to the DSN MUI Fatwa on one of the products at Bank Syariah Mandiri. This study used a qualitative descriptive method with data collection carri ed out through observation, interviews and documentation of two sources of informants, namely the Central Bank Syariah Mandiri Office and the DSN-MUI Institute Office. Data analysis techniques were carried out in three steps, namely: data reduction, data presentation, and drawing conclusions. The results of this study indicate that according to the DSN-MUI Fatwa, a product that has been legalized and marketed states that the product is in accordance with the DSN-MUI Fatwa No. 116 because if the product is not in accordance with the existing Fatwa or violates the provisions, the Bank Indonesia Authority or OJK has the authority to reprimand or stop the product. According to Bank Syariah Mandiri, so far BSM E-Money products are still operating in accordance with existing regulations, it can be concluded that Products in Electronic Money transactions at Bank Syariah Mandiri have complied with DSN-MUI Fatwa No. 116, approved by the Sharia Supervisory Board (DPS) and obtained a permit from Bank Indonesia or the Financial Services Authority (OJK). The product complies with sharia principles and is declared in accordance with the DSN-MUI Fatwa, only that there are sharia problems.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-28","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114828533","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 : 2023-06-25DOI: 10.33558/attamwil.v2i1.7063
Nur Fadillah, Isfandayani Isfandayani
The purpose of this study was to determine the effect of Quality of Work Life and Burnout on the performance of Bank BTN Syariah Bekasi Branch Office employees. This research was conducted at Bank BTN Syariah Bekasi Branch Office. This study uses quantitative methods with data analysis techniques using SEM PLS (Structural Equation Model - Path Least Square) analysis. Based on the results of the analysis it is known that Quality of Work Life has a positive and significant effect on the performance of Bank BTN Syariah employees, Burnout also has a positive and significant effect on the performance of Bank BTN Syariah Bekasi Branch Office employees. This shows that the better the quality of work life provided by the company, the higher the performance produced, while the higher the level of burnout management obtained, it can affect the performance of the company's employees.
{"title":"Analisis Kinerja Karyawan Bank Syariah berdasar Quality Of Work Life dan Burnout","authors":"Nur Fadillah, Isfandayani Isfandayani","doi":"10.33558/attamwil.v2i1.7063","DOIUrl":"https://doi.org/10.33558/attamwil.v2i1.7063","url":null,"abstract":"The purpose of this study was to determine the effect of Quality of Work Life and Burnout on the performance of Bank BTN Syariah Bekasi Branch Office employees. This research was conducted at Bank BTN Syariah Bekasi Branch Office. This study uses quantitative methods with data analysis techniques using SEM PLS (Structural Equation Model - Path Least Square) analysis. Based on the results of the analysis it is known that Quality of Work Life has a positive and significant effect on the performance of Bank BTN Syariah employees, Burnout also has a positive and significant effect on the performance of Bank BTN Syariah Bekasi Branch Office employees. This shows that the better the quality of work life provided by the company, the higher the performance produced, while the higher the level of burnout management obtained, it can affect the performance of the company's employees.","PeriodicalId":165900,"journal":{"name":"At-Tamwil: Journal of Islamic Economics and Finance","volume":"44 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-25","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132499130","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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