Pub Date : 2023-06-07DOI: 10.31332/lifalah.v8i1.4108
Muhamad Subhi Apriantoro, Rashifahunnisa' Mellinia, Rozi Irfan Rosyadhi
The time value of money is the basic concept of elements and basic concepts of investment that are part of conventional financial theory. The value of everything now will be more significant in the future. This consideration system is not ruled out by Islamic finance because it covers the price of a commodity on every contract sale that must be paid in the future, and it is not forbidden to increase the price given. However, the time value of money in Islamic finance is different from conventional finance. In this discussion, describe the concepts of the time value of money from the point of view of Islamic and conventional finance, both theoretically and practically.
{"title":"The Concept Time Value of Money from the Point of View of Islamic and Conventional Finance","authors":"Muhamad Subhi Apriantoro, Rashifahunnisa' Mellinia, Rozi Irfan Rosyadhi","doi":"10.31332/lifalah.v8i1.4108","DOIUrl":"https://doi.org/10.31332/lifalah.v8i1.4108","url":null,"abstract":"The time value of money is the basic concept of elements and basic concepts of investment that are part of conventional financial theory. The value of everything now will be more significant in the future. This consideration system is not ruled out by Islamic finance because it covers the price of a commodity on every contract sale that must be paid in the future, and it is not forbidden to increase the price given. However, the time value of money in Islamic finance is different from conventional finance. In this discussion, describe the concepts of the time value of money from the point of view of Islamic and conventional finance, both theoretically and practically.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"166 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135493640","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 : 2023-06-07DOI: 10.31332/lifalah.v8i1.3192
Nur Laili, Muhammad Iqbal Fasa, Diana Ambarwati
Islamic business ethics has the most basic purpose of a business, which is to benefit and take blessings from activities carried out by others who need it. This study aims to find out how the application of business ethics among the Muslim millennial generation is in accordance with business ethics in Islam. Later, it is hoped that the results of this paper can be used as a working concept (framework) or model for other business actors. The research was conducted in the form of a descriptive study using literature and research development based on the results of research that had been done previously. The results show that business actors among the Muslim millennial generation have implemented Islamic business ethics. In running a business or business activities, business people have understood and practiced the basic principles or values of Islam based on the Qur'an and Hadith. The application of business ethics in Islam includes several aspects, namely principles, prices, marketing (advertising or promotion), and production.
{"title":"Investigating Islamic Business Ethics Practice Toward Millennial Muslim Generation","authors":"Nur Laili, Muhammad Iqbal Fasa, Diana Ambarwati","doi":"10.31332/lifalah.v8i1.3192","DOIUrl":"https://doi.org/10.31332/lifalah.v8i1.3192","url":null,"abstract":"Islamic business ethics has the most basic purpose of a business, which is to benefit and take blessings from activities carried out by others who need it. This study aims to find out how the application of business ethics among the Muslim millennial generation is in accordance with business ethics in Islam. Later, it is hoped that the results of this paper can be used as a working concept (framework) or model for other business actors. The research was conducted in the form of a descriptive study using literature and research development based on the results of research that had been done previously. The results show that business actors among the Muslim millennial generation have implemented Islamic business ethics. In running a business or business activities, business people have understood and practiced the basic principles or values of Islam based on the Qur'an and Hadith. The application of business ethics in Islam includes several aspects, namely principles, prices, marketing (advertising or promotion), and production.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135493641","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 : 2023-06-07DOI: 10.31332/lifalah.v8i1.3983
Febi Wulandari Purwaningsih
This research aims to see the influence of Company Size, Financing To Deposit Ratio, and Profitability on Islamic Social Reporting by adding Debt To Equity Ratio as a moderating variable. This research is a type of quantitative secondary data research, namely Sharia Banking 2016-2020. There were 10 Sharia Commercial Banks as samples in the research, which were obtained using the purposive sampling method with criteria determined by the researcher. For final results, researchers used Moderate Regression Analysis (MRA). The data analysis tool uses the E-Views 9 application. The research results show that company size influences Islamic Social Reporting. Financing To Deposit Ratio and Profitability do not affect Islamic Social Reporting. Then, the Debt To debt-equity ratio is also unable to moderate Company Size and Financing To Deposit Ratio. However, the Debt To debt-to-equity ratio is able to moderate the profitability of Islamic Social Reporting. It is hoped that this research can be a source of information for financial institutions or Islamic banks to be more careful in their social and environmental activities.
{"title":"Analysis of the Determinants of Islamic Social Reporting with Debt to Equity Ratio as a Moderating Variable","authors":"Febi Wulandari Purwaningsih","doi":"10.31332/lifalah.v8i1.3983","DOIUrl":"https://doi.org/10.31332/lifalah.v8i1.3983","url":null,"abstract":"This research aims to see the influence of Company Size, Financing To Deposit Ratio, and Profitability on Islamic Social Reporting by adding Debt To Equity Ratio as a moderating variable. This research is a type of quantitative secondary data research, namely Sharia Banking 2016-2020. There were 10 Sharia Commercial Banks as samples in the research, which were obtained using the purposive sampling method with criteria determined by the researcher. For final results, researchers used Moderate Regression Analysis (MRA). The data analysis tool uses the E-Views 9 application. The research results show that company size influences Islamic Social Reporting. Financing To Deposit Ratio and Profitability do not affect Islamic Social Reporting. Then, the Debt To debt-equity ratio is also unable to moderate Company Size and Financing To Deposit Ratio. However, the Debt To debt-to-equity ratio is able to moderate the profitability of Islamic Social Reporting. It is hoped that this research can be a source of information for financial institutions or Islamic banks to be more careful in their social and environmental activities.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"37 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-07","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135493642","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}
Pipit Teja is a village located in Teluk Keramat sub-district, Sambas Regency that ha s tourism potential from culture, nature and man-made that can be developed into a tourism destination. This village has human resources that have the potential to develop the area. This research is an action research conducted by mapping the tourism potential in Tebing Jaya Village through a study of the potential of natural, artificial, and cultural tourism attractions and measuring the level of readiness to become a tourist attraction. The potential of tourist attraction is an important capital to make Pipit Teja village towards a Tourism village in Sambas Regency in order to improve the economic level of the village community. Data collection methods by means of observation, interviews, and documentation with purposive sampling techniques on the Village Government, community leaders, and Traditional Leaders. The data analysis technique uses qualitative technique analysis. The results found that Pipit Teja village has natural, cultural and artificial tourism potential. Natural potential is rice fields, while cultural potential is Berattep, Beraddad, and Dhikr. Furthermore, artificial potential consists of cafes, children's playgrounds, bird song competitions, sports competitions such as playing dynasty and futsal competitions. These three potentials can be developed because they will be the reason for outsiders to visit Pipit Teja village. Pipit Teja village has tourism potential that is very potential to be developed towards Pipit Teja village as a Tourism Village.
{"title":"IDENTIFIKASI POTENSI WISATA DI DESA PIPIT TEJA DALAM MENDUKUNG TERWUJUDNYA DESA WISATA PIPIT TEJA DI KABUPATEN SAMBAS","authors":"Nurchalis Nurchalis","doi":"10.37567/sebi.v5i1.1772","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1772","url":null,"abstract":"Pipit Teja is a village located in Teluk Keramat sub-district, Sambas Regency that ha s tourism potential from culture, nature and man-made that can be developed into a tourism destination. This village has human resources that have the potential to develop the area. This research is an action research conducted by mapping the tourism potential in Tebing Jaya Village through a study of the potential of natural, artificial, and cultural tourism attractions and measuring the level of readiness to become a tourist attraction. The potential of tourist attraction is an important capital to make Pipit Teja village towards a Tourism village in Sambas Regency in order to improve the economic level of the village community. Data collection methods by means of observation, interviews, and documentation with purposive sampling techniques on the Village Government, community leaders, and Traditional Leaders. The data analysis technique uses qualitative technique analysis. The results found that Pipit Teja village has natural, cultural and artificial tourism potential. Natural potential is rice fields, while cultural potential is Berattep, Beraddad, and Dhikr. Furthermore, artificial potential consists of cafes, children's playgrounds, bird song competitions, sports competitions such as playing dynasty and futsal competitions. These three potentials can be developed because they will be the reason for outsiders to visit Pipit Teja village. Pipit Teja village has tourism potential that is very potential to be developed towards Pipit Teja village as a Tourism Village.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"84 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-02","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135479437","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}
ABSTRACT: SWOT Analysis in the Marketing Strategy of Islamic Finance in the Activity Management Unit of Selakau District, Sambas Regency. Final project, 2022. This study aims to find out what strategies are used by the Selakau District Activity Management Unit in increasing marketing of sharia financing. While this research method uses qualitative methods, with a sample of 9 informants from Selakau District Activity Management Unit employees. By using a questionnaire the questions posed to UPK Selakau District employees. The analysis used is swot analysis to determine the strength of the strategy used. The results of this study indicate that, with a sample of 9 informants from UPK employees in Selakau District, data from the SWOT analysis shows that there are several strengths, weaknesses, opportunities and threats, including: strengths possessed, do not use conventional interest, using a profit-sharing system and the existence of buildings. Weaknesses, limited funding, many are still in arrears and limited funding. Opportunities, technological advances and women-only business groups. Threats, the impact of the covid-19 pandemic, limited capital and unhealthy economic conditions. The strategy used by the Selakau District activity management unit is to distribute loan information brochures to the community, offer products with a profit-sharing system, conduct outreach to villages in Selakau District, approach online and take a family approach. limited capital and unhealthy economic conditions. The strategies used by the Selakau District activity management unit are distributing loan information brochures to the community, offering products with a profit-sharing system, conducting socialization to villages in Selakau District, online approaches and taking a family approach. limited capital and unhealthy economic conditions. The strategies used by the Selakau District activity management unit are distributing loan information brochures to the community, offering products with a profit-sharing system, conducting socialization to villages in Selakau District, online approaches and taking a family approach.
{"title":"ANALISIS SWOT DALAM STRATEGI PEMASARAN PEMBIAYAAN SYARIAH PADA UNIT PENGELOLA KEGIATAN DI KECAMATAN SELAKAU KABUPATEN SAMBAS","authors":"Eko Wira Yhuda","doi":"10.37567/sebi.v5i1.1717","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1717","url":null,"abstract":"ABSTRACT: SWOT Analysis in the Marketing Strategy of Islamic Finance in the Activity Management Unit of Selakau District, Sambas Regency. Final project, 2022. This study aims to find out what strategies are used by the Selakau District Activity Management Unit in increasing marketing of sharia financing. While this research method uses qualitative methods, with a sample of 9 informants from Selakau District Activity Management Unit employees. By using a questionnaire the questions posed to UPK Selakau District employees. The analysis used is swot analysis to determine the strength of the strategy used. The results of this study indicate that, with a sample of 9 informants from UPK employees in Selakau District, data from the SWOT analysis shows that there are several strengths, weaknesses, opportunities and threats, including: strengths possessed, do not use conventional interest, using a profit-sharing system and the existence of buildings. Weaknesses, limited funding, many are still in arrears and limited funding. Opportunities, technological advances and women-only business groups. Threats, the impact of the covid-19 pandemic, limited capital and unhealthy economic conditions. The strategy used by the Selakau District activity management unit is to distribute loan information brochures to the community, offer products with a profit-sharing system, conduct outreach to villages in Selakau District, approach online and take a family approach. limited capital and unhealthy economic conditions. The strategies used by the Selakau District activity management unit are distributing loan information brochures to the community, offering products with a profit-sharing system, conducting socialization to villages in Selakau District, online approaches and taking a family approach. limited capital and unhealthy economic conditions. The strategies used by the Selakau District activity management unit are distributing loan information brochures to the community, offering products with a profit-sharing system, conducting socialization to villages in Selakau District, online approaches and taking a family approach.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"99 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135532119","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}
Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large.Islamic banks or commonly referred to as interest-free banks, are banking institutions whose operations and products are developed based on the Al-Qur'an and the Hadith of the Prophet SAW. In other words, Islamic banks are financial institutions whose main business is providing financing and other services in payment traffic and money circulation whose operations are in accordance with Islamic sharia principles.In developing countries like Indonesia, bank activities, especially in lending, are one of the most important and main bank activities so that income from credit is the largest income. Therefore the risk of loss from lending is also large, so to avoid large risks, banks must apply the Four Eyes Principle system. This research uses a type of descriptive qualitative research, which only describes situations and events that come from interviews and observations. The benefit of this research is to find out whether the four eyes principle has been properly implemented at the Sambas Branch of the Sharia Bank Kalbar. The results of this study indicate that so far the Sambas Branch Sharia Bank Kalbar has implemented the Four Eyes Principle in banking activities carried out by the Sambas Branch Sharia Bank, it has been proven that so far there have been no problems or obstacles faced by the Sambas Branch Sharia Bank in channeling financing / credit.
{"title":"IMPLEMENTASI FOUR EYES PRINCIPLE PADA BANK KALBAR SYARIAH CABANG SAMBAS","authors":"Devi Lestari","doi":"10.37567/sebi.v5i1.1734","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1734","url":null,"abstract":"Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit and/or other forms in order to improve the standard of living of the people at large.Islamic banks or commonly referred to as interest-free banks, are banking institutions whose operations and products are developed based on the Al-Qur'an and the Hadith of the Prophet SAW. In other words, Islamic banks are financial institutions whose main business is providing financing and other services in payment traffic and money circulation whose operations are in accordance with Islamic sharia principles.In developing countries like Indonesia, bank activities, especially in lending, are one of the most important and main bank activities so that income from credit is the largest income. Therefore the risk of loss from lending is also large, so to avoid large risks, banks must apply the Four Eyes Principle system. This research uses a type of descriptive qualitative research, which only describes situations and events that come from interviews and observations. The benefit of this research is to find out whether the four eyes principle has been properly implemented at the Sambas Branch of the Sharia Bank Kalbar. The results of this study indicate that so far the Sambas Branch Sharia Bank Kalbar has implemented the Four Eyes Principle in banking activities carried out by the Sambas Branch Sharia Bank, it has been proven that so far there have been no problems or obstacles faced by the Sambas Branch Sharia Bank in channeling financing / credit.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"1 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-03-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89058484","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}
The Ex-PNPM Community Empowerment Trust Fund is a revolving fund from the government managed by the Inter-Village Cooperation Agency through the Activity Management Unit in the Savings and Loans Program for women's groups. The number of problematic financing experienced by the UPK makes researchers interested in examining the problems that exist in the UPK, Sejangkung District, Sambas Regency. The purpose of this study is to find out what causes the amount of problematic financing at the Sejangkung District UPK and provide solutions to resolve these problems. The method used in this study is a descriptive qualitative method. Data collection techniques used are interview, documentation and direct observation. The results of this study can be concluded that the non-performing financing is due to the large number of members who are stuck in their business, the collateral that is pledged does not match the loan and the group administrators abuse their authority when managing the group.
{"title":"ANALISIS PEMBIAYAAN BERMASALAH DI UPK KECAMATAN SEJANGKUNG PENGELOLAAN DANA AMANAH PEMBERDAYAAN MASYARAKAT SIMPAN PINJAM UNTUK KELOMPOK PEREMPUAN","authors":"Mulyanto Mulyanto","doi":"10.37567/sebi.v5i1.1700","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1700","url":null,"abstract":"The Ex-PNPM Community Empowerment Trust Fund is a revolving fund from the government managed by the Inter-Village Cooperation Agency through the Activity Management Unit in the Savings and Loans Program for women's groups. The number of problematic financing experienced by the UPK makes researchers interested in examining the problems that exist in the UPK, Sejangkung District, Sambas Regency. The purpose of this study is to find out what causes the amount of problematic financing at the Sejangkung District UPK and provide solutions to resolve these problems. The method used in this study is a descriptive qualitative method. Data collection techniques used are interview, documentation and direct observation. The results of this study can be concluded that the non-performing financing is due to the large number of members who are stuck in their business, the collateral that is pledged does not match the loan and the group administrators abuse their authority when managing the group.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"22 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-02-27","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135996901","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}
This research was conducted to determine whether the variable complain,Ansurace,reliability,Responsivenes,Empathyas well as the level of customer satisfaction towardsthe level of customer satisfaction on murabahah contracts at UPK Mandiri Selakau, Sambas Regency. The method used is (library research). While the form of associative research, which is associative research, is research that aims to find out the influence or relationship between two or more variables. For data analysis this study uses instrument testing, classical assumptions and Simple Linear Regression testing. The results of this study indicate that Complain, Assurance, Reability, Responsivenes do not have a positive but significant effect on customer satisfaction. Meanwhile, at the level of customer satisfaction, it can show the characteristics of products and services so that customers are satisfied or dissatisfied with the services provided. Satisfaction increases if the quality of service provided to customers matches the employee's perceived goals. The factors that determine the level of customer satisfaction are: a. Reliability b. Responsiveness c. guarantee d. Attention / empathy e. Complaint
{"title":"ANALISIS TINGKAT KEPUASAN NASABAH PADA AKAD MURABAHAH DI UNIT PENGELOLA KEUANGAN (UPK) MANDIRI SYARIAH SELAKAU","authors":"Sualdi Sualdi","doi":"10.37567/sebi.v5i1.1670","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1670","url":null,"abstract":"This research was conducted to determine whether the variable complain,Ansurace,reliability,Responsivenes,Empathyas well as the level of customer satisfaction towardsthe level of customer satisfaction on murabahah contracts at UPK Mandiri Selakau, Sambas Regency. The method used is (library research). While the form of associative research, which is associative research, is research that aims to find out the influence or relationship between two or more variables. For data analysis this study uses instrument testing, classical assumptions and Simple Linear Regression testing. The results of this study indicate that Complain, Assurance, Reability, Responsivenes do not have a positive but significant effect on customer satisfaction. Meanwhile, at the level of customer satisfaction, it can show the characteristics of products and services so that customers are satisfied or dissatisfied with the services provided. Satisfaction increases if the quality of service provided to customers matches the employee's perceived goals. The factors that determine the level of customer satisfaction are: a. Reliability b. Responsiveness c. guarantee d. Attention / empathy e. Complaint","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"118 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-02-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89437324","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}
The presence of Home Ownership Financing (HOF) is due to the demand of the community in meeting housing needs in installments. The product is managed by a conventional bank. However, over time people want a home financing product that is in accordance with sharia principles. Home Ownership Financing (HOF) products used in shari'a banking have various differences from Home Ownership Credit (HOC) in conventional banking. The purpose of this research is to find out the implementation and constraints of Home Ownership Financing (HOF) using the Musyarakah Mutanaqishah contract at Bank Kalbar Syariah Sambas Branch. This research uses a type of descriptive qualitative research, which only explains situations and events derived from interviews, observations, and documentation on the implementation of Home Ownership Financing (HOF) using the Musyarakah Mutanaqishah agreement at Bank Kalbar Syariah Sambas Branch conducted by researchers coming directly to Bank Kalbar Syariah Sambas Branch. The results of this study the implementation of Home Ownership Financing (HOF) at the Sambas branch of Bank Kalbar Syariah are in accordance with sharia principles, especially the contract used, namely the musyarakah mutanaqishah contract which is in accordance with DSN-MUI fatwa No. 73 / DSN / MUI / XI / 2008 which states that musyarakah financing has advantages in togetherness and justice, both in sharing profits and risks of loss, so that it can be an alternative in the process of ownership of assets (goods) or capital, ownership of assets (goods) or capital can be done by using the musyarakah mutanaqishah contract, that in order for this method to be carried out in accordance with sharia principles, DSN-MUI considers it necessary to establish a fatwa on musyarakah mutanaqishah to serve as a guideline.
{"title":"PELAKSANAAN PEMBIAYAAN PEMILIKAN RUMAH (PPR) DENGAN MENGGUNAKAN AKAD MUSYARAKAH MUTANAQISHAH PADA BANK KALBAR SYARIAH CABANG SAMBAS","authors":"Laras Laras","doi":"10.37567/sebi.v5i1.1628","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1628","url":null,"abstract":"The presence of Home Ownership Financing (HOF) is due to the demand of the community in meeting housing needs in installments. The product is managed by a conventional bank. However, over time people want a home financing product that is in accordance with sharia principles. Home Ownership Financing (HOF) products used in shari'a banking have various differences from Home Ownership Credit (HOC) in conventional banking. The purpose of this research is to find out the implementation and constraints of Home Ownership Financing (HOF) using the Musyarakah Mutanaqishah contract at Bank Kalbar Syariah Sambas Branch. This research uses a type of descriptive qualitative research, which only explains situations and events derived from interviews, observations, and documentation on the implementation of Home Ownership Financing (HOF) using the Musyarakah Mutanaqishah agreement at Bank Kalbar Syariah Sambas Branch conducted by researchers coming directly to Bank Kalbar Syariah Sambas Branch. The results of this study the implementation of Home Ownership Financing (HOF) at the Sambas branch of Bank Kalbar Syariah are in accordance with sharia principles, especially the contract used, namely the musyarakah mutanaqishah contract which is in accordance with DSN-MUI fatwa No. 73 / DSN / MUI / XI / 2008 which states that musyarakah financing has advantages in togetherness and justice, both in sharing profits and risks of loss, so that it can be an alternative in the process of ownership of assets (goods) or capital, ownership of assets (goods) or capital can be done by using the musyarakah mutanaqishah contract, that in order for this method to be carried out in accordance with sharia principles, DSN-MUI considers it necessary to establish a fatwa on musyarakah mutanaqishah to serve as a guideline.","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"47 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75901215","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}
The Activity Management Unit is an institution engaged in channeling financing to people who need capital to run their business. The Activity management unit applies sharia principles with a buying and selling system using a Murabahah contract. Murabahah contract is a sale and purchase contract of an item plus an agreed margin. Here the Activity Management Unit buys goods needed by customers from Suppliers and then sells them back to customers with additional profits according to the agreement. This study uses a descriptive qualitative research type, which only describes situations and events originating from interviews, observations, and documentation on the Mechanism of Distribution of Murabahah Financing in Rural Communities in the Syariah Mandiri Activity Management Unit (UPK) Selakau District. The results of this study show that the Mechanism for Distribution of Murabahah Financing to Rural Communities in the Mandiri Syariah Activity Management Unit (UPK) in Selakau District is in accordance with its application, especially the contract used, namely the Murabahah contract which is in accordance with DSN Fatwa No.04/DSN-MUI/IV/2000 which states that the bank buys goods needed by the customer on behalf of the bank itself and this purchase must be lawful and free of usury
活动管理股是一个从事向需要资金经营业务的人提供融资的机构。活动管理单元使用Murabahah合同的买卖系统应用伊斯兰教原则。Murabahah合同是一项物品的买卖合同加上约定的保证金。在这里，活动管理单位从供应商那里购买客户所需的商品，然后根据协议将其出售给客户并获得额外利润。本研究采用描述性定性研究类型，仅描述源于访谈、观察和文献的情况和事件，这些情况和事件是关于伊斯兰教曼迪利活动管理单位(UPK)塞拉考地区农村社区Murabahah融资分配机制的。这项研究的结果表明,该机制的分布Murabahah融资Mandiri农村社区在预计今年Syariah Selakau地区活动管理单位(UPK)依照其应用程序,尤其是使用的合同,即Murabahah合同是按照DSN追杀令No.04 DSN-MUI / IV / 2000即银行购买商品所需的客户代表银行本身,这购买必须合法的高利贷和自由
{"title":"MEKANISME PENYALURAN PEMBIAYAAN MURABAHAH PADA MASYARAKAT PEDESAAN DI UNIT PENGELOLA KEGIATAN SYARIAH MANDIRI KECAMATAN SELAKAU","authors":"N. Arini","doi":"10.37567/sebi.v5i1.1630","DOIUrl":"https://doi.org/10.37567/sebi.v5i1.1630","url":null,"abstract":"The Activity Management Unit is an institution engaged in channeling financing to people who need capital to run their business. The Activity management unit applies sharia principles with a buying and selling system using a Murabahah contract. Murabahah contract is a sale and purchase contract of an item plus an agreed margin. Here the Activity Management Unit buys goods needed by customers from Suppliers and then sells them back to customers with additional profits according to the agreement. This study uses a descriptive qualitative research type, which only describes situations and events originating from interviews, observations, and documentation on the Mechanism of Distribution of Murabahah Financing in Rural Communities in the Syariah Mandiri Activity Management Unit (UPK) Selakau District. The results of this study show that the Mechanism for Distribution of Murabahah Financing to Rural Communities in the Mandiri Syariah Activity Management Unit (UPK) in Selakau District is in accordance with its application, especially the contract used, namely the Murabahah contract which is in accordance with DSN Fatwa No.04/DSN-MUI/IV/2000 which states that the bank buys goods needed by the customer on behalf of the bank itself and this purchase must be lawful and free of usury","PeriodicalId":32053,"journal":{"name":"Li Falah Jurnal Studi Ekonomi dan Bisnis Islam","volume":"212 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2023-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"78174856","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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