Pub Date : 2021-05-18DOI: 10.35905/banco.v3i1.2155
Sri Wahyuni ibrahim
persepsi adalah proses yang menyangkut masuknya pesan atau informasi dalam otak manusia secara terus menerus mengadakan hubungan dengan lingkungan melalui indranya. Salah satu alasan mengapa persepsi demikian penting dalam hal menafsirkan keadaan sekeliling kita adalah bahwa kita masing-masing mempersepsi tetapi mempersepsi secara berbeda. Untuk itu penelitian ini bertujuan untuk mengetahui bagaimana persepsi masyarakat terhadap eksistensi bank syariah di Kelurahan Pacongang Kecamatan Paleteang Kabupaten Pinrang dan faktor yang mempengaruhi persepsi dalam menentukan pilihan terhadap bank syariah.Hasil Penelitian ini menunjukkan bahwa pengetahuan masyarakat mengenai bank syariah sebagian besar masyarakat hanya tahu tentang bank syariah tanpa memahaminya. Masih banyak masyarakat yang belum memahami konsep perbankan syariah. Sedangkan terdapat 2 faktor yaitu faktor internal dan eksternal mempengaruhi persepsi. Dimana faktor internal termasuk nilai yang ditawarkan bank syariah, sedangkan yang termasuk dalam faktor eksternal yaitu kurangnya informasi yang sampai pada masyarakat dan sulitnya ditemukan bank syariah.
{"title":"PERSEPSI MASYARAKAT MUSLIM PALETEANG PINRANG TERHADAP EKSISTENSI BANK SYARIAH","authors":"Sri Wahyuni ibrahim","doi":"10.35905/banco.v3i1.2155","DOIUrl":"https://doi.org/10.35905/banco.v3i1.2155","url":null,"abstract":"persepsi adalah proses yang menyangkut masuknya pesan atau informasi dalam otak manusia secara terus menerus mengadakan hubungan dengan lingkungan melalui indranya. Salah satu alasan mengapa persepsi demikian penting dalam hal menafsirkan keadaan sekeliling kita adalah bahwa kita masing-masing mempersepsi tetapi mempersepsi secara berbeda. Untuk itu penelitian ini bertujuan untuk mengetahui bagaimana persepsi masyarakat terhadap eksistensi bank syariah di Kelurahan Pacongang Kecamatan Paleteang Kabupaten Pinrang dan faktor yang mempengaruhi persepsi dalam menentukan pilihan terhadap bank syariah.Hasil Penelitian ini menunjukkan bahwa pengetahuan masyarakat mengenai bank syariah sebagian besar masyarakat hanya tahu tentang bank syariah tanpa memahaminya. Masih banyak masyarakat yang belum memahami konsep perbankan syariah. Sedangkan terdapat 2 faktor yaitu faktor internal dan eksternal mempengaruhi persepsi. Dimana faktor internal termasuk nilai yang ditawarkan bank syariah, sedangkan yang termasuk dalam faktor eksternal yaitu kurangnya informasi yang sampai pada masyarakat dan sulitnya ditemukan bank syariah.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"12 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125614595","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 : 2021-05-14DOI: 10.35905/banco.v3i1.1869
Sylvi Sylvi
Perkembangan zaman yang semakin maju diberbagai bidang tak luput dari perkembangan bank yang bukan hanya bank konvensional saja tetapi bermunculan bank syariah. Bank syariah hadir dalam memenuhi kebutuhan masyarakat khususnya masyarakat muslim. Ada beberapa bahkan banyak masyarakat yang belum tahu tentang persepsi lembaga keuangan syariah. Dengan adanya penelitian ini diharap mampu menjawab masalah-masalah seperti rendahnya pengetahuan masyarakat terhadap lembaga keuangan syariah. Tujuan dilakukan penelitian ini untuk mengetahui persepsi masyarakat mengenai lembaga keuangan syariah terhadap minat menggunakan bank syariah. Adapun jenis penelitian ini menggunakan metode kualitatif deskriptif dengan mengambil 25 informan yang menjadi sampel. Teknik pengumpulan data menggunakan metode observasi, wawancara maupun dokumentasi. Hasil yang diperoleh dari penelitian ini adalah mayoritas masyarakat di Adiwerna sudah memahami tentang perbankan syariah namun sayangnya mereka belum memahami betul produk-produk penghimpun dana padahal mereka memiliki minat untuk menggunakan bank syariah.
{"title":"PERSEPSI MASYARAKAT ADIWERNA DALAM PERKEMBANGAN LEMBAGA KEUANGAN SYARIAH TERHADAP MINAT MENGGUNAKAN BANK SYARIAH","authors":"Sylvi Sylvi","doi":"10.35905/banco.v3i1.1869","DOIUrl":"https://doi.org/10.35905/banco.v3i1.1869","url":null,"abstract":"Perkembangan zaman yang semakin maju diberbagai bidang tak luput dari perkembangan bank yang bukan hanya bank konvensional saja tetapi bermunculan bank syariah. Bank syariah hadir dalam memenuhi kebutuhan masyarakat khususnya masyarakat muslim. Ada beberapa bahkan banyak masyarakat yang belum tahu tentang persepsi lembaga keuangan syariah. Dengan adanya penelitian ini diharap mampu menjawab masalah-masalah seperti rendahnya pengetahuan masyarakat terhadap lembaga keuangan syariah. Tujuan dilakukan penelitian ini untuk mengetahui persepsi masyarakat mengenai lembaga keuangan syariah terhadap minat menggunakan bank syariah. Adapun jenis penelitian ini menggunakan metode kualitatif deskriptif dengan mengambil 25 informan yang menjadi sampel. Teknik pengumpulan data menggunakan metode observasi, wawancara maupun dokumentasi. Hasil yang diperoleh dari penelitian ini adalah mayoritas masyarakat di Adiwerna sudah memahami tentang perbankan syariah namun sayangnya mereka belum memahami betul produk-produk penghimpun dana padahal mereka memiliki minat untuk menggunakan bank syariah.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"63 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132815823","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 : 2021-05-11DOI: 10.35905/banco.v3i1.2143
Erna Erna, Endang Kartini Panggiarti
Corporate Social Responsibility is a social and environmental responsibility that must be carried out by companies, one of these companies is Islamic banking. This study aims to test whether there is an average difference in the implementation of Corporate Social Responsibility between before and during the Covid-19 pandemic at Bank Syariah Mandiri. This research is quantitative research using empirical studies. The data in this study uses secondary data obtained from the Annual Reports in 2019 and 2020. From this study, it was found that Bank Syariah Mandiri and Laznas-BSM collaborated in distributing Corporate Social Responsibility funds. The distribution is carried out with programs that are beneficial to the community such as the Mitra Umat, Educate Umat, and Simpati Umat. In addition to implementing the Corporate Social Responsibility program as set out, Bank Syariah Mandiri also contributed to dealing with the Covid-19 pandemic by distributing various kinds of assistance in the form of distribution of Personal Protective Equipment (PPE), masks, and food packages. Based on the results of the average difference test that has been carried out using the Pairet t-test, so it is known that there is an average difference in the distribution of Corporate Social Responsibility funds at Bank Syariah Mandiri before and during the Covid-19 pandemic. For further research regarding the distribution of Corporate Social Responsibility funds, it is expected to examine between before and after the Covid-19 pandemic is over.
{"title":"UJI BEDA RATA-RATA PENERAPAN CORPORATE SOCIAL RESPONSIBILITY SEBELUM DAN SAAT PANDEMI COVID-19 PADA BANK SYARIAH MANDIRI","authors":"Erna Erna, Endang Kartini Panggiarti","doi":"10.35905/banco.v3i1.2143","DOIUrl":"https://doi.org/10.35905/banco.v3i1.2143","url":null,"abstract":"Corporate Social Responsibility is a social and environmental responsibility that must be carried out by companies, one of these companies is Islamic banking. This study aims to test whether there is an average difference in the implementation of Corporate Social Responsibility between before and during the Covid-19 pandemic at Bank Syariah Mandiri. This research is quantitative research using empirical studies. The data in this study uses secondary data obtained from the Annual Reports in 2019 and 2020. From this study, it was found that Bank Syariah Mandiri and Laznas-BSM collaborated in distributing Corporate Social Responsibility funds. The distribution is carried out with programs that are beneficial to the community such as the Mitra Umat, Educate Umat, and Simpati Umat. In addition to implementing the Corporate Social Responsibility program as set out, Bank Syariah Mandiri also contributed to dealing with the Covid-19 pandemic by distributing various kinds of assistance in the form of distribution of Personal Protective Equipment (PPE), masks, and food packages. Based on the results of the average difference test that has been carried out using the Pairet t-test, so it is known that there is an average difference in the distribution of Corporate Social Responsibility funds at Bank Syariah Mandiri before and during the Covid-19 pandemic. For further research regarding the distribution of Corporate Social Responsibility funds, it is expected to examine between before and after the Covid-19 pandemic is over.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"21 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-11","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128406260","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 : 2021-05-05DOI: 10.35905/banco.v3i1.2154
Hasnina Hasnina
Produk pembiayaan produktif yang dikembangkan oleh BMT Nurul Iman Bungi satu satunya adalah pembiayaan pengadaan/ jual beli barang. Pembiayaan ini diperuntukkan bagi masyarakat atau nasabah guna meningkatkan kesejahteraan, dengan cara membantu menyediakan dana ataupun kekurangan dana nasabah. Pembiayaan Ba’i Bitsaman Ajil (BBA) bertransaksi pada penjualan barang dengan menyatakan harga perolehan dan keuntungan (margin) yang disepakati oleh penjual (BMT) dan pembeli (nasabah) yang pembayarannya dapat dilakukan sacara angsur ataupun jatuh tempo.Tujuan penelitian yaitu untuk mengetahui bagaiman implementasi dan mekanisme perhitungan angsurann pembiayaan Bai’ Bitsaman Ajil di BMT Nurul Iman Bungi. Jenis penelitian yang digunakan dalam skripsi ini adalah metode deskriptif kualitatif, data dalam penelitian ini diperoleh dari data primer dan sekunder. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi sedangkan teknik analisis data yang digunakan yaitu redukasi data, penyajian data dan verifikasi. Hasil penelitian ini menunjukan bahwa: 1). Dalam implementasi pembiayaan Bai’ Bitsaman Ajil BMT bukan sebagai penjual murni yang menyediakan barang kebutuhan nasabah, sebelum melakukan akad Bai’ Bitsaman Ajil kepada nasabah posisi BMT disini adalah sebagai lembaga pembiayaan yang menyediakan dana. Pembiayaan Bai’ Bitsamanil Ajil (BBA) dalam prakteknya menambahkan akad wakalah/perwakilan didalamnya untuk memudahkan kedua belah pihak. 2). Mekanisme Perhitungan angsuran dalam pembiayaan Bai’ Bitsaman Ajil dilakukan dengan cara mencicil sesuai kesepakatan kedua belah pihak dengan jumlah angsuran yang disesuaikan dengan kemampuan calon nasabah dalam membayar angsuran. Adapun sistem margin keuntungan yang digunakan yaitu margin keuntungan flat untuk angsuran perbulan/mingguan dan margin keuntungan anuitas untuk angsuran musiman.
BMT Nurul Iman开发的生产性融资产品之一是采购/销售融资。这些资金是为社区或客户设立的，以促进繁荣，以帮助提供资金或缺乏资金。巴比萨曼Ajil的资金用于销售商品，说明卖家(BMT)和买家(客户)商定的收购价格和利润(利润率)，可以分期或分期支付。研究的目的是了解如何实现和财务机制，为BMT Nurul belie信念提供资金。本文中使用的研究类型是一种定性描述性方法，研究中的数据来自主要和次要数据。采用的数据收集技术有观察、采访和文献，采用的数据分析技术为数据分析、数据展示和验证。这项研究的结果表明，1)在BMT融资的实现中，巴比萨曼Ajil不是一个直接满足客户需求的卖家，在执行BMT位置之前，他是一个提供资金的融资机构。白' Bitsamanil a吉尔的财务实际上增加了阿卡德wakllah /代表，以促进双方的方便。2). p ' Bitsaman Ajil融资的分期付款机制是按照双方协议的分期付款金额调整，以符合潜在客户支付分期付款的能力。至于所使用的利润利润率系统，即每月/每周的固定收益利润率和季节性分期付款的年利率。
{"title":"IMPLEMENTASI PEMBIAYAAN BAI’ BITSAMAN AJIL DI BMT NURUL IMAN BUNGI KABUPATEN PINRANG","authors":"Hasnina Hasnina","doi":"10.35905/banco.v3i1.2154","DOIUrl":"https://doi.org/10.35905/banco.v3i1.2154","url":null,"abstract":"Produk pembiayaan produktif yang dikembangkan oleh BMT Nurul Iman Bungi satu satunya adalah pembiayaan pengadaan/ jual beli barang. Pembiayaan ini diperuntukkan bagi masyarakat atau nasabah guna meningkatkan kesejahteraan, dengan cara membantu menyediakan dana ataupun kekurangan dana nasabah. Pembiayaan Ba’i Bitsaman Ajil (BBA) bertransaksi pada penjualan barang dengan menyatakan harga perolehan dan keuntungan (margin) yang disepakati oleh penjual (BMT) dan pembeli (nasabah) yang pembayarannya dapat dilakukan sacara angsur ataupun jatuh tempo.Tujuan penelitian yaitu untuk mengetahui bagaiman implementasi dan mekanisme perhitungan angsurann pembiayaan Bai’ Bitsaman Ajil di BMT Nurul Iman Bungi. \u0000Jenis penelitian yang digunakan dalam skripsi ini adalah metode deskriptif kualitatif, data dalam penelitian ini diperoleh dari data primer dan sekunder. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi sedangkan teknik analisis data yang digunakan yaitu redukasi data, penyajian data dan verifikasi. \u0000Hasil penelitian ini menunjukan bahwa: 1). Dalam implementasi pembiayaan Bai’ Bitsaman Ajil BMT bukan sebagai penjual murni yang menyediakan barang kebutuhan nasabah, sebelum melakukan akad Bai’ Bitsaman Ajil kepada nasabah posisi BMT disini adalah sebagai lembaga pembiayaan yang menyediakan dana. Pembiayaan Bai’ Bitsamanil Ajil (BBA) dalam prakteknya menambahkan akad wakalah/perwakilan didalamnya untuk memudahkan kedua belah pihak. 2). Mekanisme Perhitungan angsuran dalam pembiayaan Bai’ Bitsaman Ajil dilakukan dengan cara mencicil sesuai kesepakatan kedua belah pihak dengan jumlah angsuran yang disesuaikan dengan kemampuan calon nasabah dalam membayar angsuran. Adapun sistem margin keuntungan yang digunakan yaitu margin keuntungan flat untuk angsuran perbulan/mingguan dan margin keuntungan anuitas untuk angsuran musiman.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"188 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2021-05-05","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"133782890","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 : 2020-05-31DOI: 10.35905/banco.v2i1.1345
Nurhikmah hikmah, Rahman Ambo Masse, Damira
Hybrid contract that is collecting two or more contracts in one financing. Murabaha financing product is an example of a financing product that is often compiled with a wakalah contract that aims to make customers free to choose the items needed because the bank is unable to provide all the items customers need. This study discusses the implementation of hybrid contracts in murabaha financing wakalah with a focus of research to determine the provisions of hybrid contracts in murabaha financing wakalah and implementation of the provisions of hybrid contracts murabaha bil wakalah BNI Syariah KC Makassar.This study uses a qualitative method. Primary data in this study were obtained through direct observation and interviews. Whereas secondary data was obtained from literature such as browsers, Makassar Syariah KC Makassar Microfinance financing manuals and examples of murabahah contracts when the BNI Syariah KC Makassar was held.The results of this study indicate that there are terms and conditions for murabaha financing wakalah contained in 22 articles which emphasize starting from financing provisions to settling disputes in murabaha financing wakalah. The implementation of murabaha bil wakalah at BNI Syariah KC Makassar is also not fully in accordance with the provisions of Fatwa DSN-MUI No. 04 of 2000 concerning murabaha because the bank did not explain the purchase price of the murabahah object to the customer so that it violated the provisions of Fatwa DSN-MUI No. 04 of 2000 6 about murabaha.
{"title":"IMPLEMENTASI HYBRID CONTRACT PADA PEMBIAYAAN MURABAHAH BIL WAKALAH DI BNI SYARIAH CABANG MAKASSAR","authors":"Nurhikmah hikmah, Rahman Ambo Masse, Damira","doi":"10.35905/banco.v2i1.1345","DOIUrl":"https://doi.org/10.35905/banco.v2i1.1345","url":null,"abstract":"Hybrid contract that is collecting two or more contracts in one financing. Murabaha financing product is an example of a financing product that is often compiled with a wakalah contract that aims to make customers free to choose the items needed because the bank is unable to provide all the items customers need. This study discusses the implementation of hybrid contracts in murabaha financing wakalah with a focus of research to determine the provisions of hybrid contracts in murabaha financing wakalah and implementation of the provisions of hybrid contracts murabaha bil wakalah BNI Syariah KC Makassar.This study uses a qualitative method. Primary data in this study were obtained through direct observation and interviews. Whereas secondary data was obtained from literature such as browsers, Makassar Syariah KC Makassar Microfinance financing manuals and examples of murabahah contracts when the BNI Syariah KC Makassar was held.The results of this study indicate that there are terms and conditions for murabaha financing wakalah contained in 22 articles which emphasize starting from financing provisions to settling disputes in murabaha financing wakalah. The implementation of murabaha bil wakalah at BNI Syariah KC Makassar is also not fully in accordance with the provisions of Fatwa DSN-MUI No. 04 of 2000 concerning murabaha because the bank did not explain the purchase price of the murabahah object to the customer so that it violated the provisions of Fatwa DSN-MUI No. 04 of 2000 6 about murabaha.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-05-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122210221","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 fatwa of the DSN-MUI is the answer issued by the National Sharia Council-Indonesian Ulama Council (DSN-MUI) as an explanation of the sharia law for people who ask questions about problems in the field of Islamic economics. The goal is that sharia principles in the fatwa be implemented in contracts for Islamic Financial Institutions (LKS). However, public statements often arise that giving gifts to Islamic banks and conventional banks is the same as the scheme and method of giving. This study aims to see how the mechanism and suitability of DSN-MUI fatwa No: 86 / DSN-MUI / XII / 2012 concerning Prizes in Fundraising (Study at Bank Muamalat KCP Parepare). The results of the research can be stated that at Muamalat bank, KCP Parepare has two savings programs with prizes, the first is prizes with prizes, customers deposit funds in the amount set by the bank for a predetermined period of time, second savings plan with prizes, customers deposit money at the beginning of the amount of money that has been determined by saving each month in the amount determined by the bank, the greater the amount of money saved the greater the number of prizes received. In the DSN-MUI fatwa related to the awarding of prizes there are 3 provisions related to this, namely the first provision related to prizes, the two provisions relating to the determination of receipt of implemented prizes according to fatwa, third not the provisions concerning prizes in deposits of Third Party Funds (DPK) all points in this fatwa implemented specifically on the third point that reads should not be the norm (habit, 'urf), that the' urf or custom prohibited by DSN-MUI in the fatwa prize aims to avoid changing intentions from the customer, intention to save become the desire to get something without effort.
DSN-MUI的法特瓦是国家伊斯兰教法委员会-印度尼西亚乌拉玛委员会(DSN-MUI)为对伊斯兰经济学领域的问题提出疑问的人们发布的解释伊斯兰教法的答案。目标是在伊斯兰金融机构(LKS)的合同中实施法特瓦中的伊斯兰教法原则。然而，经常出现的公开声明是，向伊斯兰银行和传统银行赠送礼物的计划和方法是相同的。本研究旨在了解DSN-MUI关于筹资奖励的第86 / DSN-MUI / XII / 2012号法令的机制和适用性(研究于Muamalat银行KCP pareparee)。研究结果表明，在Muamalat银行，KCP Parepare有两个带奖的储蓄计划，第一是带奖的储蓄计划，客户按银行规定的金额在预定的时间内存入资金，第二是带奖的储蓄计划，客户在存款之初按已确定的金额存入每月由银行确定的金额;存的钱越多，获得的奖品就越多。在DSN-MUI关于颁发奖品的法特瓦中，有3条与此相关的规定，即第一个规定与奖品有关，两个规定与根据法特瓦确定执行奖品的收据有关，第三个规定不是关于第三方基金(DPK)存款的奖金，本法特瓦实施的所有要点都特别强调了第三点，即不应成为规范(习惯，'urf)。DSN-MUI在法特瓦奖中禁止的“urf”习俗旨在避免客户改变意图，节省的意图变成了不劳而获的愿望。
{"title":"IMPLEMENTASI FATWA DSN-MUI NO: 86/ DSN-MUI/ XII/ 2012 TENTANG HADIAH DALAM PENGHIMPUNAN DANA","authors":"M. R. Setiawan, R. Rahmawati, Wahidin Wahidin","doi":"10.35905/BANCO.V1I1.693","DOIUrl":"https://doi.org/10.35905/BANCO.V1I1.693","url":null,"abstract":"The fatwa of the DSN-MUI is the answer issued by the National Sharia Council-Indonesian Ulama Council (DSN-MUI) as an explanation of the sharia law for people who ask questions about problems in the field of Islamic economics. The goal is that sharia principles in the fatwa be implemented in contracts for Islamic Financial Institutions (LKS). However, public statements often arise that giving gifts to Islamic banks and conventional banks is the same as the scheme and method of giving. This study aims to see how the mechanism and suitability of DSN-MUI fatwa No: 86 / DSN-MUI / XII / 2012 concerning Prizes in Fundraising (Study at Bank Muamalat KCP Parepare). The results of the research can be stated that at Muamalat bank, KCP Parepare has two savings programs with prizes, the first is prizes with prizes, customers deposit funds in the amount set by the bank for a predetermined period of time, second savings plan with prizes, customers deposit money at the beginning of the amount of money that has been determined by saving each month in the amount determined by the bank, the greater the amount of money saved the greater the number of prizes received. In the DSN-MUI fatwa related to the awarding of prizes there are 3 provisions related to this, namely the first provision related to prizes, the two provisions relating to the determination of receipt of implemented prizes according to fatwa, third not the provisions concerning prizes in deposits of Third Party Funds (DPK) all points in this fatwa implemented specifically on the third point that reads should not be the norm (habit, 'urf), that the' urf or custom prohibited by DSN-MUI in the fatwa prize aims to avoid changing intentions from the customer, intention to save become the desire to get something without effort.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128115589","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}
Jumiarni Jumiarni, M. Y. Soumena, Rusnaena Rusnaena
This study aims to find out if the factors that consisting of factors promotion, factors influential damage value services and factors of the decision to use the customers gold pawn in a bank syariah mandiri as well as to know whether the most commonly the influential between promotion , services and factors factors value assessment of the decision to use the customers gold pawn in a bank syariah mandiri kcp polewali .The research is quantitative research with the methods descriptive .As for the data collection was done through the distribution of the questionnaire The methodology that was used to test hypotheses is by using the practical , reliability test , normality test , of multiple regression analysis , t test , test f , the coefficient of determination ( adjusted r square ) , and correlations double .Based on the research done it can be seen that the regression equation is linear research and the worship of idols in this is y: 3,138 + 0,141x1 + 0,270x2 + 0,407x3, The results of the testing simultaneously ( f ) variable x consisting of the x1 ) ( promotion , the service ( ) x2 , and the damage the x3 ( ) led to a positive and significant of the decision of customers to use the gold pawn of significantly by 0,000; 0,05 & it .Then , the results of the test on this fact ( ) suggests that the variable t ( service x2 ) value assessment and the x3 ( ) most dominant influence simultaneously with the resolution of customers to use the gold pawn , it is spotted with significant value and 0,000 0,006; 0,05 & it .
{"title":"FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENGGUNAKAN PRODUK GADAI EMAS DI BANK SYARIAH MANDIRI KCP POLEWALI","authors":"Jumiarni Jumiarni, M. Y. Soumena, Rusnaena Rusnaena","doi":"10.35905/banco.v1i1.704","DOIUrl":"https://doi.org/10.35905/banco.v1i1.704","url":null,"abstract":"This study aims to find out if the factors that consisting of factors promotion, factors influential damage value services and factors of the decision to use the customers gold pawn in a bank syariah mandiri as well as to know whether the most commonly the influential between promotion , services and factors factors value assessment of the decision to use the customers gold pawn in a bank syariah mandiri kcp polewali .The research is quantitative research with the methods descriptive .As for the data collection was done through the distribution of the questionnaire The methodology that was used to test hypotheses is by using the practical , reliability test , normality test , of multiple regression analysis , t test , test f , the coefficient of determination ( adjusted r square ) , and correlations double .Based on the research done it can be seen that the regression equation is linear research and the worship of idols in this is y: 3,138 + 0,141x1 + 0,270x2 + 0,407x3, The results of the testing simultaneously ( f ) variable x consisting of the x1 ) ( promotion , the service ( ) x2 , and the damage the x3 ( ) led to a positive and significant of the decision of customers to use the gold pawn of significantly by 0,000; 0,05 & it .Then , the results of the test on this fact ( ) suggests that the variable t ( service x2 ) value assessment and the x3 ( ) most dominant influence simultaneously with the resolution of customers to use the gold pawn , it is spotted with significant value and 0,000 0,006; 0,05 & it .","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"60 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"128767357","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}
Response is interpreted as a response, reaction and answer. A response will appear from receiving the message after a series of communications. Financing is one of the bank's main tasks, namely the provision of funds provision facilities to meet the needs of the parties which constitute a unit deficit. Employee response is used in this case to find out how much employees respond well or are interested in financing Islamic banks. This research is descriptive qualitative using a phenomenology approach. Therefore, the authors chose to use qualitative research methods to determine how to search, collect, manage, analyze data from research results and draw conclusions.The results of the study show that: 1) The financing system on Islamic bank products uses four different patterns or systems, namely: profit sharing system, buying and selling system, rental system, loan system. 2) Facilities provided by Islamic banks in the form of providing funds to meet the needs of parties with a profit sharing system. 3) Respondents' responses indicate that most respondents gave positive responses. This condition gives the impression that the employee's response to Islamic banking is perceived positively by respondents. Of the various types of products in Islamic banks, only the savings that are most sought after by sharia bank customers and their reasons for choosing these products because of sharia-compliant, lawful and safe Islamic bank products.
{"title":"RESPON PEGAWAI IAIN PAREPARE TERHADAP PRODUK PEMBIAYAAN BANK SYARIAH","authors":"Fadhliyah Ulfah Rustan, Sitti Jamilah Amin, Syahriyah Semaun","doi":"10.35905/banco.v1i1.702","DOIUrl":"https://doi.org/10.35905/banco.v1i1.702","url":null,"abstract":"Response is interpreted as a response, reaction and answer. A response will appear from receiving the message after a series of communications. Financing is one of the bank's main tasks, namely the provision of funds provision facilities to meet the needs of the parties which constitute a unit deficit. Employee response is used in this case to find out how much employees respond well or are interested in financing Islamic banks. This research is descriptive qualitative using a phenomenology approach. Therefore, the authors chose to use qualitative research methods to determine how to search, collect, manage, analyze data from research results and draw conclusions.The results of the study show that: 1) The financing system on Islamic bank products uses four different patterns or systems, namely: profit sharing system, buying and selling system, rental system, loan system. 2) Facilities provided by Islamic banks in the form of providing funds to meet the needs of parties with a profit sharing system. 3) Respondents' responses indicate that most respondents gave positive responses. This condition gives the impression that the employee's response to Islamic banking is perceived positively by respondents. Of the various types of products in Islamic banks, only the savings that are most sought after by sharia bank customers and their reasons for choosing these products because of sharia-compliant, lawful and safe Islamic bank products.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"68 3 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"123119374","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}
Syariah bank BTN KCPS parepare is a bank that supply batara savings ib which make them customers to save , this product is very attractive to the community .To quantity bank in indonesia has up and each bank had to be able to having the power of its own , both the public service , innovative products to stay in business and stable .This study aims to to know the implementation of marketing mix in batara ib on kcps parepare syariah bank btn .The research was conducted in syariah bank btn kcps parepare with a kind of qualitative research was conducted by adopting both fenomenology and in collect the primary data used method of interviews and observation .As for tekhnik analyzing of inductive around. This research result indicates that , the implementation of the program and the implementation of the marketing mix in syariah bank btn kcps parepare applied to all elements videlicet; product , price , place , promotion , people , physical evidence , processe.
{"title":"IMPLEMENTASI MARKETING MIX DALAM TABUNGAN BARATA iB BANK BTN SYARIAH KCPS PAREPARE","authors":"A. Perdana, Abdul Hamid, Arqam Arqam","doi":"10.35905/BANCO.V1I1.703","DOIUrl":"https://doi.org/10.35905/BANCO.V1I1.703","url":null,"abstract":"Syariah bank BTN KCPS parepare is a bank that supply batara savings ib which make them customers to save , this product is very attractive to the community .To quantity bank in indonesia has up and each bank had to be able to having the power of its own , both the public service , innovative products to stay in business and stable .This study aims to to know the implementation of marketing mix in batara ib on kcps parepare syariah bank btn .The research was conducted in syariah bank btn kcps parepare with a kind of qualitative research was conducted by adopting both fenomenology and in collect the primary data used method of interviews and observation .As for tekhnik analyzing of inductive around. This research result indicates that , the implementation of the program and the implementation of the marketing mix in syariah bank btn kcps parepare applied to all elements videlicet; product , price , place , promotion , people , physical evidence , processe.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129713785","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}
Take Over is an action carried out by users of banking services to move payments or installments that are considered more profitable by users of banking services, where in this case the Customer, the transfer made in the form of transfer of services, payments and installments that customers consider more profitable for them Use. The transfer of payment itself involves two different banking institutions where installments or financing that run from one bank to another are transferred according to the provisions of each banking institution involved in it. The results of this study indicate that there are several differences in take-over systems implemented by Bank Negara Indonesia Syariah and Bank Rakyat Indonesia, including the contract agreement system that exists in these two banking institutions, where Bank Negara Indonesia Syariah uses a system with a sharia contract, namely the contract is a profit sharing contract, which they apply is a Murabahah contract and guidelines for the rules and procedures carried out at Take Over are the foundation of the DSN-MUI Fatwa and all provisions contained in the land, then at the Bank Rakyat Indonesia the contract used is in accordance with the provisions of the party banking itself the interest rate applied to the Contract is a Flat (fixed and Floating) interest rate or a fixed interest rate with the provisions of the installment table in accordance with the provisions of the Bank Rakyat Indonesia.
{"title":"KOMPARASI PELAKSANAAN TAKE OVER PADA BANK NEGARA INDONESIA SYARIAH DAN BANK RAKYAT INDONESIA DI PAREPARE","authors":"Zulfhaidz Husain, M. Zubair, Damirah Damirah","doi":"10.35905/banco.v1i1.692","DOIUrl":"https://doi.org/10.35905/banco.v1i1.692","url":null,"abstract":"Take Over is an action carried out by users of banking services to move payments or installments that are considered more profitable by users of banking services, where in this case the Customer, the transfer made in the form of transfer of services, payments and installments that customers consider more profitable for them Use. The transfer of payment itself involves two different banking institutions where installments or financing that run from one bank to another are transferred according to the provisions of each banking institution involved in it. The results of this study indicate that there are several differences in take-over systems implemented by Bank Negara Indonesia Syariah and Bank Rakyat Indonesia, including the contract agreement system that exists in these two banking institutions, where Bank Negara Indonesia Syariah uses a system with a sharia contract, namely the contract is a profit sharing contract, which they apply is a Murabahah contract and guidelines for the rules and procedures carried out at Take Over are the foundation of the DSN-MUI Fatwa and all provisions contained in the land, then at the Bank Rakyat Indonesia the contract used is in accordance with the provisions of the party banking itself the interest rate applied to the Contract is a Flat (fixed and Floating) interest rate or a fixed interest rate with the provisions of the installment table in accordance with the provisions of the Bank Rakyat Indonesia.","PeriodicalId":389792,"journal":{"name":"BANCO: Jurnal Manajemen dan Perbankan Syariah","volume":"61 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2019-05-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"126009965","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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