Pub Date : 2022-08-05DOI: 10.33650/profit.v6i1.3492
Mufidatul Himmah, Mohammad Alief Hidayatullah, Siti Fatimah
Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.
{"title":"IMPLEMENTASI WALK IN CUSTOMER (WIC) DAN ENHANCED DUE DILIGENCE KEPADA NASABAH SEBAGAI PENCEGAHAN MONEY LAUNDERING PT. BANK SUMUT KCP SYARIAH H.M YAMIN","authors":"Mufidatul Himmah, Mohammad Alief Hidayatullah, Siti Fatimah","doi":"10.33650/profit.v6i1.3492","DOIUrl":"https://doi.org/10.33650/profit.v6i1.3492","url":null,"abstract":"Banking institutions are institutions that are often used by the public to carry out financial transactions, whether in the form of savings, transfers, investments and others. In this case, Islamic Banking carries out funding and lending activities by promoting various types of financial transaction services, becoming the main center in crime. money laundering and terrorism financing to hide illegal money. Therefore, the OJK has made regulations regarding the prevention of Money Laundering and the financing of Terrorism which includes CDD and EDD PT. Bank Sumut Syariah KCP H.M Yamin has implemented Customer Due Diligence on Walk In Customer (WIC) and Enhanced Due Diligence on Customers as an effort to prevent money laundering and terrorism financing. In this journal research using qualitative methods with a descriptive approach. the data taken is by interview and observation techniques. Observations indicate that the implementation of WIC on Customer Due Diligence is carried out when the Bank doubts customer information by conducting identification and verification. In addition, at WIC where previously WIC did not need to report to Customer Service when making transactions and went directly to the teller. However, for now there has been a circular letter of change from the Head Office of Bank Sumut Syariah regarding the implementation of WIC where WIC is required to report to Customer service first after obtaining approval from CS, then WIC can go directly to the teller. The implementation of Enhanced Due Diligence is carried out for Politically Exposed Person customers. But in practice at PT. Bank Sumut Syariah KCP H.M Yamin is carried out if there are suspicious transactions or when there are cases.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-08-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"81938903","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 : 2022-07-26DOI: 10.33650/profit.v6i1.3516
Subairi Subairi, Khoirul Anwar, Eka Fatma Ramadhani, M. Hamzah
This research is entitled “Kontribusi Giro Dalam penghimpunan Dana Current Account Saving Account (CASA) Pada PT Bank Sumut KCP Syariah Simpang Kayu Besar”. CASA is a source of low-cost banking funds collected from current account and saving account. with observation and interview methods. Current Account Saving Account (CASA) funds originating from low-cost funds, namely current account saving account at period 2019-2021. banking sector this certainly very influential on the condition of state income, especially at Therefore, this study also discusses the strategies taken by the company so that it is efficient in raising funds to maintain company.
这项研究的题目是“Kontribusi Giro Dalam penghimpunan Dana经常账户储蓄账户(CASA) padpt Bank Sumut KCP Syariah Simpang Kayu Besar”。CASA是从经常账户和储蓄账户中收集的低成本银行资金来源。采用观察法和访谈法。2019-2021年期间来自低成本资金即经常项目储蓄账户的资金。因此，本研究还讨论了公司所采取的策略，使其有效地筹集资金来维持公司。
{"title":"KONTRIBUSI GIRO DALAM PENGHIMPUNAN DANA CURRENT ACCOUNT SAVING ACCOUNT (CASA) PADA PT BANK SUMUT KCP SYARIAH SIMPANG KAYU BESAR","authors":"Subairi Subairi, Khoirul Anwar, Eka Fatma Ramadhani, M. Hamzah","doi":"10.33650/profit.v6i1.3516","DOIUrl":"https://doi.org/10.33650/profit.v6i1.3516","url":null,"abstract":"This research is entitled “Kontribusi Giro Dalam penghimpunan Dana Current Account Saving Account (CASA) Pada PT Bank Sumut KCP Syariah Simpang Kayu Besar”. CASA is a source of low-cost banking funds collected from current account and saving account. with observation and interview methods. Current Account Saving Account (CASA) funds originating from low-cost funds, namely current account saving account at period 2019-2021. banking sector this certainly very influential on the condition of state income, especially at Therefore, this study also discusses the strategies taken by the company so that it is efficient in raising funds to maintain company. ","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-07-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"83451766","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 : 2022-07-06DOI: 10.33650/profit.v6i1.3376
Wartoyo Wartoyo, Nur Haida, Solikhul Mujab, M. K. Umam
Perkembangan Bisnis Laundry di zaman sekarang semakin pesat karena permintaan dan kebutuhan jasa laundry sangat dibutuhkan dari berbagai kalangan diantaranya masyarakat yang sibuk dengan pekerjaannya karena tak ada waktu untuk melakukan kegiatan mencuci pakaian sendiri, kalangan mahasiswa, masyarakat perumahan dan yang lainnya. Maka dari itu peneliti mengambil penelitian di tempat Zada Laundry syariah sebagai penelitian karena ingin mengetahui lebih dalam tentang model pemasaran syariah di Zada Laundry syariah apakah sudah sesuai dengan konsep-konsep bisnis syariah. Karena bisnis dan usaha sekarang masih banyak yang syariah tetapi belum menerapkan konsep syariah dan berkarakteristik syariah sesuai dengan aturannya dan ajaran islam sebagai dasar dan pedoman pada bisnis. Penelitian ini dilakukan untuk mengetahui bagaimana model pemasaran syariah pada usaha bisnis laundry di zada laundry syariah, untuk mengetahui bagaimana strategi pemasaran syariah pada usaha bisnis laundry di zada laundry syariah dan untuk mengetahui faktor apa saja yang menjadi kendala dalam pemasaran syariah pada usaha bisnis laundry di zada laundry syariah. Pendekatan penelitian kualitatif dalam penelitian ini untuk mengungkapkan data yang ada di lapangan dan menghubungkan sebab akibat terhadap suatu yang terjadi pada saat penelitian, dengan tujuan memperoleh gambaran realita model pemasaran syariah pada usaha bisnis laundry. Hasil penelitian ini menunjukkan bahwa dengan pendekatan syariah, seperti keterjaminan kesucian, memberikan diskon untuk pencucian alat ibadah dan masjid, pelayanan yang ramah, pelayanan yang tepat waktu dan memuaskan dapat menarik minat dari konsumen.
{"title":"Sharia Marketing Model pada Bisnis Laundry Syariah (Case Study pada Zada Laundry Syariah Sumber Cirebon)","authors":"Wartoyo Wartoyo, Nur Haida, Solikhul Mujab, M. K. Umam","doi":"10.33650/profit.v6i1.3376","DOIUrl":"https://doi.org/10.33650/profit.v6i1.3376","url":null,"abstract":"Perkembangan Bisnis Laundry di zaman sekarang semakin pesat karena permintaan dan kebutuhan jasa laundry sangat dibutuhkan dari berbagai kalangan diantaranya masyarakat yang sibuk dengan pekerjaannya karena tak ada waktu untuk melakukan kegiatan mencuci pakaian sendiri, kalangan mahasiswa, masyarakat perumahan dan yang lainnya. Maka dari itu peneliti mengambil penelitian di tempat Zada Laundry syariah sebagai penelitian karena ingin mengetahui lebih dalam tentang model pemasaran syariah di Zada Laundry syariah apakah sudah sesuai dengan konsep-konsep bisnis syariah. Karena bisnis dan usaha sekarang masih banyak yang syariah tetapi belum menerapkan konsep syariah dan berkarakteristik syariah sesuai dengan aturannya dan ajaran islam sebagai dasar dan pedoman pada bisnis. Penelitian ini dilakukan untuk mengetahui bagaimana model pemasaran syariah pada usaha bisnis laundry di zada laundry syariah, untuk mengetahui bagaimana strategi pemasaran syariah pada usaha bisnis laundry di zada laundry syariah dan untuk mengetahui faktor apa saja yang menjadi kendala dalam pemasaran syariah pada usaha bisnis laundry di zada laundry syariah. Pendekatan penelitian kualitatif dalam penelitian ini untuk mengungkapkan data yang ada di lapangan dan menghubungkan sebab akibat terhadap suatu yang terjadi pada saat penelitian, dengan tujuan memperoleh gambaran realita model pemasaran syariah pada usaha bisnis laundry. Hasil penelitian ini menunjukkan bahwa dengan pendekatan syariah, seperti keterjaminan kesucian, memberikan diskon untuk pencucian alat ibadah dan masjid, pelayanan yang ramah, pelayanan yang tepat waktu dan memuaskan dapat menarik minat dari konsumen.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-07-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79271658","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 : 2022-06-13DOI: 10.33650/profit.v6i1.3760
M. Syukur, Yoviana Fitri
Penelitian ini bertujuan untuk mengungkap strategi manajemen produksi dalam menghasilkn profitabilitas pada persuasahaan provider sehingga dapat mengahsilkan kemaksimlakan dalam laba perusahaan. Metode yang di gunakan adalah kualitatif dengan pendekatan studi literatur. Hasil dari penelitian ini dikemukan bahwa starategi yang dilakukan oleh provider dengan mengatasnamakan embel embel islam terbukti efektif untuk menarik custumer dalam membeli yang di tawarkan oleh provider, sehingga provider menghasilkan laba profit yang melebiha standart yang ditentukan oleh perusahaan.
{"title":"Strategi manajemen produksi untuk memaksimalkan profitabilitas pada provider perspektif islam","authors":"M. Syukur, Yoviana Fitri","doi":"10.33650/profit.v6i1.3760","DOIUrl":"https://doi.org/10.33650/profit.v6i1.3760","url":null,"abstract":"Penelitian ini bertujuan untuk mengungkap strategi manajemen produksi dalam menghasilkn profitabilitas pada persuasahaan provider sehingga dapat mengahsilkan kemaksimlakan dalam laba perusahaan. Metode yang di gunakan adalah kualitatif dengan pendekatan studi literatur. Hasil dari penelitian ini dikemukan bahwa starategi yang dilakukan oleh provider dengan mengatasnamakan embel embel islam terbukti efektif untuk menarik custumer dalam membeli yang di tawarkan oleh provider, sehingga provider menghasilkan laba profit yang melebiha standart yang ditentukan oleh perusahaan.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-06-13","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"79873890","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 : 2022-05-16DOI: 10.33650/profit.v6i1.3462
Moh Khoirul Anam, S. Saifuddin, Sulis Nada Fitriah
Taxibike (grab) is a pick-up service with a modern, order-based Taxibike. Taxibike is a two-wheeled motor vehicle that is a very effective transportation.This application allows users who can order Taxibike online. Also known as a modern and professional Taxibike. The purpose of this study was to determine the contribution of online Taxibike in public services in Malang Regency. This research is a qualitative research with a qualitative description approach. The purpose of this research is to examine natural objects, to get an overview of the development of the transportation industry and the contribution of online Taxibike to public service in Indonesia, especially the Grab company. The results of this study indicate that the contribution of this online transportation application work system has a major impact on improving driver performance and is very beneficial for consumers and drivers of online transportation companies. Also this online Taxibike is a breakthrough in online business which is currently in demand by the Indonesian people, especially in the Malang district.
{"title":"ONLINE TAXIBIKE (GRAB) CONTRIBUTION IN COMMUNITY SERVICE IN MALANG DISTRICT","authors":"Moh Khoirul Anam, S. Saifuddin, Sulis Nada Fitriah","doi":"10.33650/profit.v6i1.3462","DOIUrl":"https://doi.org/10.33650/profit.v6i1.3462","url":null,"abstract":"Taxibike (grab) is a pick-up service with a modern, order-based Taxibike. Taxibike is a two-wheeled motor vehicle that is a very effective transportation.This application allows users who can order Taxibike online. Also known as a modern and professional Taxibike. The purpose of this study was to determine the contribution of online Taxibike in public services in Malang Regency. This research is a qualitative research with a qualitative description approach. The purpose of this research is to examine natural objects, to get an overview of the development of the transportation industry and the contribution of online Taxibike to public service in Indonesia, especially the Grab company. The results of this study indicate that the contribution of this online transportation application work system has a major impact on improving driver performance and is very beneficial for consumers and drivers of online transportation companies. Also this online Taxibike is a breakthrough in online business which is currently in demand by the Indonesian people, especially in the Malang district.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-05-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"72696629","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 : 2022-01-31DOI: 10.33650/profit.v5i2.2337
Alvan Fathony, Linda Yas’a
This study aims to determine the mechanism and function of Brizzi cards and the effectiveness of santri in minimizing the use of cash. This study uses a qualitative type, the research instrument uses interview documentation and field observations. The results showed that: the use of Brizzi cards was very effective against the effectiveness of santri in minimizing the use of cash, especially in the Al-Hashimiyah region. Because with the use of Brizzi cards, the santri is given a limit on the use of balances in the transaction so that the santri can also manage the use of their money properly, the spread of cash decreases, and the case of frequent loss of money is rare, now also affecting the cooperative's cash income. Because students in the transaction have switched to using electronic money / Brizzi.
{"title":"Penggunaan Kartu Brizzi Terhadap Efektivitas Santri Dalam Meminimalkan Penggunaan Uang Tunai (Studi Kasus Pondok Pesantren Nurul Jadid Wilayah Al-Hasyimiyah)","authors":"Alvan Fathony, Linda Yas’a","doi":"10.33650/profit.v5i2.2337","DOIUrl":"https://doi.org/10.33650/profit.v5i2.2337","url":null,"abstract":"This study aims to determine the mechanism and function of Brizzi cards and the effectiveness of santri in minimizing the use of cash. This study uses a qualitative type, the research instrument uses interview documentation and field observations. The results showed that: the use of Brizzi cards was very effective against the effectiveness of santri in minimizing the use of cash, especially in the Al-Hashimiyah region. Because with the use of Brizzi cards, the santri is given a limit on the use of balances in the transaction so that the santri can also manage the use of their money properly, the spread of cash decreases, and the case of frequent loss of money is rare, now also affecting the cooperative's cash income. Because students in the transaction have switched to using electronic money / Brizzi.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"91261687","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 : 2022-01-31DOI: 10.33650/profit.v5i2.3301
S. Rizal, Mamik Sari Dewi
Marketing management is the key to the continuity of an organization’s business so that it runs according to its function. The development of financial institutions, both banks, and non-banks, will encourage financial institutions always to optimize their marketing activities. Analyzing the market and its environment to find out how big the opportunity is to seize the market and how big the threat is that must be faced. This article aims to find out how marketing management is in improving products at the BMT NU Mlandingan branch. This study uses a descriptive qualitative method by conducting structured interviews in the form of questions related to obtaining relevant informants from customers and employees of the BMT NU Mlandingan Branch. Marketing management process by doing market segmentation, target market, determination, positioning, and differentiation. Savings and financing products are good and increasing from the intensity of increasing the number of customers with the reason that customers are easier and understand the advantages of savings and financing products at the malandingan branch of BMT NU. The findings in this study indicate that promotions can increase the number of customers in a faster time and reach a wider audience using existing media. Keywords: Marketing management, Products, BMT
营销管理是组织业务连续性的关键，使其按照其功能运行。无论是银行还是非银行金融机构的发展，都会促使金融机构不断优化其营销活动。分析市场及其环境，找出抓住市场的机会有多大，必须面对的威胁有多大。本文旨在找出营销管理是如何在BMT NU mlingan分公司改善产品的。本研究采用描述性定性方法，以问题的形式进行结构化访谈，从BMT NU Mlandingan分公司的客户和员工中获取相关信息。市场营销管理的过程是做市场细分、目标市场、确定、定位和差异化。储蓄理财产品好，从增加客户数量的力度来看在增加，原因是BMT NU马兰亭安分行的客户更容易理解储蓄理财产品的优势。本研究的结果表明，促销可以在更快的时间内增加客户数量，并利用现有媒体覆盖更广泛的受众。关键词:营销管理，产品，BMT
{"title":"ANALYSIS OF MARKETING MANAGEMENT IN INCREASING SAVING PRODUCTS IN KSPPS BMT NU, MLANDINGAN BRANCH, SITUBONDO","authors":"S. Rizal, Mamik Sari Dewi","doi":"10.33650/profit.v5i2.3301","DOIUrl":"https://doi.org/10.33650/profit.v5i2.3301","url":null,"abstract":"Marketing management is the key to the continuity of an organization’s business so that it runs according to its function. The development of financial institutions, both banks, and non-banks, will encourage financial institutions always to optimize their marketing activities. Analyzing the market and its environment to find out how big the opportunity is to seize the market and how big the threat is that must be faced. This article aims to find out how marketing management is in improving products at the BMT NU Mlandingan branch. This study uses a descriptive qualitative method by conducting structured interviews in the form of questions related to obtaining relevant informants from customers and employees of the BMT NU Mlandingan Branch. Marketing management process by doing market segmentation, target market, determination, positioning, and differentiation. Savings and financing products are good and increasing from the intensity of increasing the number of customers with the reason that customers are easier and understand the advantages of savings and financing products at the malandingan branch of BMT NU. The findings in this study indicate that promotions can increase the number of customers in a faster time and reach a wider audience using existing media. Keywords: Marketing management, Products, BMT","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"85879504","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 : 2022-01-29DOI: 10.33650/profit.v5i2.3269
Wartoyo Wartoyo
Based on statistical data, there is a tendency for a decline in the performance of Islamic banks, which is characterized by stagnation in market share growth that has not reached the target in recent years. There are several factors that are suspected to be obstacles to the development of the Islamic banking industry in Indonesia, ranging from the inadequacy of human resources to the ambivalence between the concept of sharia and operations in the field. The complexity of the problem has an impact on the low public trust about the existence of Islamic banks among conventional financial institutions. As a result, the enthusiasm and response of the public towards Islamic financial products and services in the banking sector, insurance, capital markets and other sectors have become flat, and instead become an obstacle to the growth of assets and market shares of the Islamic financial industry. For this reason, cooperation between stakeholders is needed so that the problems in the development of Islamic banks are not only sourced from one aspect, but almost all aspects from upstream to downstream, starting from regulation, human resources, product quality, quantity of Islamic banks and also the level of education and public understanding. the product is still very minimal can be resolved properly to support the sustainability and development of the Islamic economy.
{"title":"AKSELERASI PETUMBUHAN EKONOMI SYARIAH DALAM KONTEKS POLITIK EKONOMI DI INDONESIA","authors":"Wartoyo Wartoyo","doi":"10.33650/profit.v5i2.3269","DOIUrl":"https://doi.org/10.33650/profit.v5i2.3269","url":null,"abstract":"Based on statistical data, there is a tendency for a decline in the performance of Islamic banks, which is characterized by stagnation in market share growth that has not reached the target in recent years. There are several factors that are suspected to be obstacles to the development of the Islamic banking industry in Indonesia, ranging from the inadequacy of human resources to the ambivalence between the concept of sharia and operations in the field. The complexity of the problem has an impact on the low public trust about the existence of Islamic banks among conventional financial institutions. As a result, the enthusiasm and response of the public towards Islamic financial products and services in the banking sector, insurance, capital markets and other sectors have become flat, and instead become an obstacle to the growth of assets and market shares of the Islamic financial industry. For this reason, cooperation between stakeholders is needed so that the problems in the development of Islamic banks are not only sourced from one aspect, but almost all aspects from upstream to downstream, starting from regulation, human resources, product quality, quantity of Islamic banks and also the level of education and public understanding. the product is still very minimal can be resolved properly to support the sustainability and development of the Islamic economy.","PeriodicalId":33535,"journal":{"name":"Profit Jurnal Kajian Ekonomi dan Perbankan Syariah","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-01-29","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"89004078","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 : 2022-01-27DOI: 10.33650/profit.v5i2.3201
Lilik Rahmawati, Farichatus Sholikhah, H. Muslimah, Indi Rafiqa Amalia, Laila Maghfiroh
Sharia Insurance is an institution that provides services in the service sector that appears among people who still do not understand about sharia insurance and its mechanisms, so that people are still awkward to use the insurance services. Islamic insurance in Indonesia has the potential to grow along with the growth of the Islamic financial market. The sharia insurance strategy to increase product sales is carried out by conducting outreach to the public. In terms of increasing the number of customers, especially by expanding the market, especially for people who have not used sharia insurance services through direct socialization, maintaining and improving existing markets by trying to always maintain communication with customers to provide quality services, introducing financial planning and management. risk in Islamic insurance. Fast service provides convenience for more strategic management of needs so that it creates public interest in using sharia insurance services.
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Pub Date : 2022-01-06DOI: 10.33650/profit.v4i2.1583
Salimadin Salimadin
ABSTRAKIstihsa>n merupakan metode penetapan hukum Islam yang berdasarkan prinsip al-Qur’a>n dan hadits serta berdasarkan tujuan syari’at Islam. Istihsa>n itu sendiri dalam pengaplikasiannya merupakan metode yang dipakai para ulama khususnya kalangan Hanafiyah, tidak lepas dari itu, dengan pesatnya perkembangan ilmu pengetahuan dan teknologi istihsa>n lahir sebagai solusi dalam penentuan hukum baru yang belum ada ketentuannya baik dalam nash al-Qur’a>n maupun hadits, adapun kasus baru yang membutuhkan jawaban penetapan hukum diantaranya yaitu dalam bidang muamalah seperti jual beli online dan belanja di supermarket. Dalam keuangan dan ekonomi kontemporer kasus-kasus seperti itu membutuhkan penyelesaian hukum, maka istihsa>n disini hadir dan berperan sebagai solusi penyelesaian hukum yang terjadi di masyarakat apakah boleh atau tidak suatu transaksi akad yang berdasarkan tradisi manusia modern.Kata Kunci: Istihsa>n; Hukum Islam; Ekonomi; Keuangan KontemporerABSTRACTmethod used by the scholars, especially among Hanafiyah, not separated from it, with the rapid development of science and technology istihsan was born as a solution in the determination of new laws that do not yet have provisions both in the text of Istihsan is a determination method of Islamic law based on the principle of Qur’an and Hadith and based on Islamic Shari'a purpose. istihsan itself to apply a the Qur'an and Hadith, as for new cases that require answers to the determination of the law including in the field of muamalah such as buying and selling online and shopping in supermarkets. In contemporary finance and economics such cases require legal settlement, the istihsan here is present and serves as a solution to the settlement of the law in permissibility or not a transaction contract based on tradition of modern humans.Keywords: Istihsan; Islamic Law; Economics; Contemporary Finance.
“abstraistihsa >n是基于《古兰经》>n和hadith原则以及伊斯兰教目标的建立伊斯兰法律的方法。Istihsa > n本身应用中是神职人员使用的方法尤其是Hanafiyah当中,没有脱离这与科学和技术的高速发展,Istihsa > n作为定位解决方案中诞生的新法律没有规定伊斯兰教擅长纳什'a > n和圣训,至于其中需要法律答案坚信礼的新感染病例即muamalah领域如网上买卖和在超市购物。在当代金融和经济中，这样的案件需要法律解决，因此istihsa>n在这里作为一个法律解决方案，发生在社会上的阿卡德交易是否应该基于现代人类传统。关键词:Istihsa>n;伊斯兰法;经济;顺便说一下KontemporerABSTRACTmethod以前学者,尤其是金融》Hanafiyah,不是来自它的分开,快速with the development of science and technology) istihsan出生美国《决心a solution of new的那个do还没有《文本都有provisions of istihsan是个伊斯兰法律的决心方法推开》改编自《'an Hadith和改编自伊斯兰莎莉'a目的。他把自己的名字命名为《古兰经》和《圣典》，以此为新命名的法律解决方案在市场上的答案，而实际上就像在市场上出售、销售和购物一样。在当代金融和经济中，这样的要求是合法解决方案，这个术语是作为一种解决法律限制或不是基于现代人类传统的替代合同的解决方案而存在的。安装:Istihsan;伊斯兰法律;经济学;当代金融。
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