Pub Date : 2023-08-14DOI: 10.18592/at-taradhi.v14i1.8481
Selbi Selbi, Pati Matu Jahra
This study aims to explore Cash Waqf Management by the representative of BWI in South Kalimantan Province in enhancing the practice of cash waqf in South Kalimantan. This research article uses field research with a qualitative approach, employing techniques such as in-depth interviews, observation, and documentary studies. Data analysis follows Miles and Huberman's techniques. The research results indicate that the cash waqf management by the representative of BWI in South Kalimantan Province has taken into account the functions of Planning, Organizing, Actuating, and Controlling (POAC) management. However, overall management is not yet optimal, with the dominant movement being in fundraising. Investment and distribution have not progressed according to theory. There has been no significant contribution to the social and economic empowerment of the community in South Kalimantan due to a very small acquisition of funds amounting to Rp27,404,000. As a result, the funds cannot be invested and distributed to the intended recipients (mauquf ‘alaih). Despite this, management efforts and empowerment have been carried out through the initiation of programs, socialization, benchmarking, consolidation, and building relationships. Penelitian ini bertujuan untuk mengeksplorasi manajemen wakaf uang dan bentuk kontribusi manajemen wakaf uang oleh Perwakilan BWI Prov. Kalsel terhadap pemberdayaan s osial dan e konomi m asyarakat di Provinsi Kalimantan Selatan. Fokus penulisan adalah bagaimana Peran Manajemen Wakaf Uang oleh Perwakilan BWI Prov. Kalimantan Selatan dalam Meningkatkan Praktik Wakaf Uang di Kalimantan Selatan . Artikel penelitian ini menggunakan penelitian lapangan (field reseach) dengan pendekatan kualitatif. Menggunakan teknik wawancara mendalam (in depth interview), observasi, dan studi dokumentasi. Menggunakan teknik analisis data Miles dan Huberman. Hasil penelitian menunjukkan bahwa manajemen wakaf uang oleh Perwakilan BWI Prov. Kalsel telah memperhatikan fungsi manajemen Planning, Organizing, Actuating, dan Controlling (POAC). Secara keseluruhan manajemen belum maksimal, pergerakan dominan dilakukan pada fundraising. Investasi dan distribusi masih belum bergerak sesuai teori. Belum terdapat kontribusi pemberdayaan sosial dan ekonomi kepada masyarakat di Kalimantan Selatan karena perolehan dana sangat kecil sebesar Rp27.404.000,00, sehingga tidak dapat di investasikan dan didistribusikan kepada mauquf ‘alaih. Namun, upaya manajemen dan pemberdayaan telah dilakukan melalui pencanangan program, sosialisasi, study banding, konsolidasi, dan relasi.
本研究旨在以南加里曼丹省BWI为代表，探讨现金Waqf管理，以加强南加里曼丹省现金Waqf的实践。本研究采用实地调查与定性方法，采用深度访谈、观察和文献研究等技术。数据分析采用了迈尔斯和休伯曼的技术。研究结果表明，南加里曼丹省BWI代表的现金waf管理考虑了计划、组织、执行和控制(POAC)管理的功能。然而，整体管理还不是最优的，主要的运动是在筹资。投资和分配并没有按照理论进行。南加里曼丹对社区的社会和经济赋权没有作出重大贡献，因为获得的资金非常少，只有27 404 000印尼盾。因此，这些资金不能投资和分配给预期的接受者(mauquf ' alaih)。尽管如此，管理努力和授权已经通过启动项目、社会化、基准、巩固和建立关系来实施。Penelitian ini bertujuan untuk mengeksplorasi managemen wakafang dan bentuk kontribusi managemen wakafang oleh Perwakilan BWI证明。Kalsel是加里曼丹省(Kalimantan Selatan)的首席经济学家。集中惩罚是一种有效的惩罚，是一种有效的惩罚。Kalimantan Selatan dalam Meningkatkan Praktik Wakaf wangi Kalimantan Selatan。文章题目:penelitian ini menggunakan penelitian lapangan(实地考察)，dengan penelitian lapangan(实地考察)。深度访谈，观察，研究，文献。孟古纳肯技术研究所数据分析迈尔斯·丹·休伯曼。Hasil penelitian menunjukkan bahwa manajemen wakaf wang oleh Perwakilan BWI证明。计划、组织、执行、控制(POAC)。投资和分销业务主要集中在投资和销售方面。比利时terdapat kontribusi pemberdayaan社会和经济kepada masyarakat di加里曼丹Selatan karena perolehan dana sangat kecil sebesar 27404.00万卢比，sehinga tidak dapat di investasian dandidistridistribusikan kepada mauquf ' alaih。Namun, upaya manajemen dan pemberdayaan telah dilakukan melalui pencanangan program, social, study band, konsolidasi, dan relasi。
{"title":"Management of Cash Waqf by the Representative of the Indonesian Waqf Board of South Kalimantan","authors":"Selbi Selbi, Pati Matu Jahra","doi":"10.18592/at-taradhi.v14i1.8481","DOIUrl":"https://doi.org/10.18592/at-taradhi.v14i1.8481","url":null,"abstract":"This study aims to explore Cash Waqf Management by the representative of BWI in South Kalimantan Province in enhancing the practice of cash waqf in South Kalimantan. This research article uses field research with a qualitative approach, employing techniques such as in-depth interviews, observation, and documentary studies. Data analysis follows Miles and Huberman's techniques. The research results indicate that the cash waqf management by the representative of BWI in South Kalimantan Province has taken into account the functions of Planning, Organizing, Actuating, and Controlling (POAC) management. However, overall management is not yet optimal, with the dominant movement being in fundraising. Investment and distribution have not progressed according to theory. There has been no significant contribution to the social and economic empowerment of the community in South Kalimantan due to a very small acquisition of funds amounting to Rp27,404,000. As a result, the funds cannot be invested and distributed to the intended recipients (mauquf ‘alaih). Despite this, management efforts and empowerment have been carried out through the initiation of programs, socialization, benchmarking, consolidation, and building relationships. Penelitian ini bertujuan untuk mengeksplorasi manajemen wakaf uang dan bentuk kontribusi manajemen wakaf uang oleh Perwakilan BWI Prov. Kalsel terhadap pemberdayaan s osial dan e konomi m asyarakat di Provinsi Kalimantan Selatan. Fokus penulisan adalah bagaimana Peran Manajemen Wakaf Uang oleh Perwakilan BWI Prov. Kalimantan Selatan dalam Meningkatkan Praktik Wakaf Uang di Kalimantan Selatan . Artikel penelitian ini menggunakan penelitian lapangan (field reseach) dengan pendekatan kualitatif. Menggunakan teknik wawancara mendalam (in depth interview), observasi, dan studi dokumentasi. Menggunakan teknik analisis data Miles dan Huberman. Hasil penelitian menunjukkan bahwa manajemen wakaf uang oleh Perwakilan BWI Prov. Kalsel telah memperhatikan fungsi manajemen Planning, Organizing, Actuating, dan Controlling (POAC). Secara keseluruhan manajemen belum maksimal, pergerakan dominan dilakukan pada fundraising. Investasi dan distribusi masih belum bergerak sesuai teori. Belum terdapat kontribusi pemberdayaan sosial dan ekonomi kepada masyarakat di Kalimantan Selatan karena perolehan dana sangat kecil sebesar Rp27.404.000,00, sehingga tidak dapat di investasikan dan didistribusikan kepada mauquf ‘alaih. Namun, upaya manajemen dan pemberdayaan telah dilakukan melalui pencanangan program, sosialisasi, study banding, konsolidasi, dan relasi.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-08-14","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135308733","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 : 2023-06-30DOI: 10.18592/at-taradhi.v14i1.9131
Havis Aravik, Achmad Irwan Hamzani, Nur Khasanah
Islamic economics is present as a solution to the failure of capitalist and socialist economies in producing prosperity. Islamic economics is a new solution in answering various economic problems. For this reason, it is necessary to have the ability to access Islamic economic thought, especially from previous scholars to answer all existing problems. One such scholar is al-Ghazali. In Islamic economics, al-Ghazali offers a new perspective in the form of a Sufistic economic concept. This research is library research (library research) and is qualitative, which is sourced from primary and secondary data, and analyzed using content analysis both descriptively and inductively. The result is that Al-Ghazali no longer sees economic problems only in one field of knowledge, but is compared in various other fields of science to produce a comprehensive solution in which all human economic activity is part of worship to Allah Swt. For this reason, it must produce maslahah and falah in its activities. The state is obliged to play a role in ensuring that all of this is achieved by issuing various policies that help Muslims carry out their religious obligations as well as possible, including in economic matters and economic progress can only be achieved if justice, peace, and stability are fulfilled, in which the state plays an important role. inside it.
{"title":"Al-Ghazali's Sufistic Economy Concept; From Homo Islamicus To Economic Progress","authors":"Havis Aravik, Achmad Irwan Hamzani, Nur Khasanah","doi":"10.18592/at-taradhi.v14i1.9131","DOIUrl":"https://doi.org/10.18592/at-taradhi.v14i1.9131","url":null,"abstract":"Islamic economics is present as a solution to the failure of capitalist and socialist economies in producing prosperity. Islamic economics is a new solution in answering various economic problems. For this reason, it is necessary to have the ability to access Islamic economic thought, especially from previous scholars to answer all existing problems. One such scholar is al-Ghazali. In Islamic economics, al-Ghazali offers a new perspective in the form of a Sufistic economic concept. This research is library research (library research) and is qualitative, which is sourced from primary and secondary data, and analyzed using content analysis both descriptively and inductively. The result is that Al-Ghazali no longer sees economic problems only in one field of knowledge, but is compared in various other fields of science to produce a comprehensive solution in which all human economic activity is part of worship to Allah Swt. For this reason, it must produce maslahah and falah in its activities. The state is obliged to play a role in ensuring that all of this is achieved by issuing various policies that help Muslims carry out their religious obligations as well as possible, including in economic matters and economic progress can only be achieved if justice, peace, and stability are fulfilled, in which the state plays an important role. inside it.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136364718","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 : 2023-02-08DOI: 10.18592/at-taradhi.v13i2.7668
Bagus Setiyo Bagus Setiyo Budi, Iza Hanifuddin Iza Hanifuddin
{"title":"Problematika Aspek Pengharaman Qardh Paylater Pada Aplikasi Shopee Berdasarkan Fatwa-Fatwa Ulama","authors":"Bagus Setiyo Bagus Setiyo Budi, Iza Hanifuddin Iza Hanifuddin","doi":"10.18592/at-taradhi.v13i2.7668","DOIUrl":"https://doi.org/10.18592/at-taradhi.v13i2.7668","url":null,"abstract":"","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2023-02-08","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41630096","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 : 2022-12-31DOI: 10.18592/at-taradhi.v13i2.7536
Sofyan Hakim, Hanief Monady, Nadia Safitri
A Sharia bank is an institution whose main business is to provide credit and other services based on sharia principles. A sharia bank has various products, one of which is financing. However, risks in financial institutions are inevitable and become potential events, both foreseeable and unpredictable. Such as financing customers who end up experiencing defaults and leading to the sale of collateral or collateral through auctions. Therefore, it is necessary to know the mechanism for pricing collateral auctions and constraints on problematic financing at Sharia Bank of Indonesia, Palangka Raya City. This research uses a descriptive qualitative approach. The results of this study are that the pricing mechanism is carried out with the provisions and procedures applicable at Sharia Bank of Indonesia, Palangka Raya City, with price interpretation carried out by the assessment team after the survey is carried out, looking for appeal data based on the prevailing market value in the collateral area, looking at collateral conditions, interpreting until finally the price is determined based on the applicable mechanism in accordance with the Circular Letter of the Board of Directors must use the price reference Central Market, Regional Market Price, and Local Market Price. Pricing carriess out with appropriate assessments and calculations based on the market approach method and cost approach that have been formulated to be used as a guide in the assessment and pricing of collateral auctions in accordance with the fair price or market price that occurred at that time.
伊斯兰教法银行是一家主要业务是根据伊斯兰教法原则提供信贷和其他服务的机构。伊斯兰教法银行有各种各样的产品，其中之一就是融资。然而，金融机构的风险是不可避免的，并成为可预见和不可预测的潜在事件。例如为最终遭遇违约并导致抵押品或抵押品通过拍卖出售的客户提供融资。因此，有必要了解印尼Sharia银行Palangka Raya City的抵押品拍卖定价机制和问题融资限制。本研究采用描述性定性方法。本研究的结果是，定价机制是按照印度尼西亚Sharia银行（Palangka Raya City）适用的条款和程序执行的，评估小组在调查完成后进行价格解释，根据抵押品领域的现行市场价值寻找上诉数据，查看抵押品条件，在根据董事会通函的适用机制最终确定价格之前，必须使用价格参考中心市场、区域市场价格和当地市场价格。定价是根据市场法和成本法进行适当的评估和计算，这些方法已被制定为根据当时发生的公允价格或市场价格评估和定价抵押品拍卖的指南。
{"title":"Pricing Mechanism for Collateral Auctions in Problematic Financing at Bank Syariah Indonesia, Palangka Raya","authors":"Sofyan Hakim, Hanief Monady, Nadia Safitri","doi":"10.18592/at-taradhi.v13i2.7536","DOIUrl":"https://doi.org/10.18592/at-taradhi.v13i2.7536","url":null,"abstract":"A Sharia bank is an institution whose main business is to provide credit and other services based on sharia principles. A sharia bank has various products, one of which is financing. However, risks in financial institutions are inevitable and become potential events, both foreseeable and unpredictable. Such as financing customers who end up experiencing defaults and leading to the sale of collateral or collateral through auctions. Therefore, it is necessary to know the mechanism for pricing collateral auctions and constraints on problematic financing at Sharia Bank of Indonesia, Palangka Raya City. This research uses a descriptive qualitative approach. The results of this study are that the pricing mechanism is carried out with the provisions and procedures applicable at Sharia Bank of Indonesia, Palangka Raya City, with price interpretation carried out by the assessment team after the survey is carried out, looking for appeal data based on the prevailing market value in the collateral area, looking at collateral conditions, interpreting until finally the price is determined based on the applicable mechanism in accordance with the Circular Letter of the Board of Directors must use the price reference Central Market, Regional Market Price, and Local Market Price. Pricing carriess out with appropriate assessments and calculations based on the market approach method and cost approach that have been formulated to be used as a guide in the assessment and pricing of collateral auctions in accordance with the fair price or market price that occurred at that time.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49076740","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 : 2022-12-31DOI: 10.18592/at-taradhi.v13i2.6640
Maulidatul Islami, Atika Maulida
The purpose of this study was to determine whether the credit card product issued by Bank Syariah Indonesia, namely the Hasanah Card , was in accordance with and actually implemented the Sharia Card as stipulated in the DSN-MUI fatwa No. 54/DSN-MUI/X/2006. The research method is a qualitative research using a descriptive approach to describe sharia principles in the hasanah card. data were collected by the field research (field research) with primary sources obtained from sources in the form of interviews and observations and library research (library research) with socio legal research. The results of this study are the application of sharia principles to the Hasanah Card product by Bank Syariah Indonesia is still not in accordance with the DSN-MUI Fatwa No. 54 of 2006. This can be seen from the DSN MUI
{"title":"Analisis Kesyariahan Kartu Kredit Bank Syariah Indonesia Sebagai Media Transaksi Non Tunai.","authors":"Maulidatul Islami, Atika Maulida","doi":"10.18592/at-taradhi.v13i2.6640","DOIUrl":"https://doi.org/10.18592/at-taradhi.v13i2.6640","url":null,"abstract":"The purpose of this study was to determine whether the credit card product issued by Bank Syariah Indonesia, namely the Hasanah Card , was in accordance with and actually implemented the Sharia Card as stipulated in the DSN-MUI fatwa No. 54/DSN-MUI/X/2006. The research method is a qualitative research using a descriptive approach to describe sharia principles in the hasanah card. data were collected by the field research (field research) with primary sources obtained from sources in the form of interviews and observations and library research (library research) with socio legal research. The results of this study are the application of sharia principles to the Hasanah Card product by Bank Syariah Indonesia is still not in accordance with the DSN-MUI Fatwa No. 54 of 2006. This can be seen from the DSN MUI","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45827089","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 : 2022-12-31DOI: 10.18592/at-taradhi.v13i2.7174
M. Apriantoro, Rashifahunnisa’ Mellinia, Shafy Garneta Maheswari, Hudaifah Hudaifah
This study aims to determine the direction of development of Islamic finance research during the pandemic, focusing on the growth of international publications in the field of Islamic finance in the Scopus database between 2020 and 2022. Bibliometric mapping consists of core journals in international publications in the field of Islamic finance, the productivity of researchers in the field of Islamic finance, the number of publications based on institutional collaboration in international publications in the field of Islamic finance, the development of international publications on research in the field of Islamic finance by subject/field, and a map of the development of international publications on research in the field of Islamic finance.
{"title":"Islamic Financial Research Directions During Pandemic: A Bibliometric Analysis","authors":"M. Apriantoro, Rashifahunnisa’ Mellinia, Shafy Garneta Maheswari, Hudaifah Hudaifah","doi":"10.18592/at-taradhi.v13i2.7174","DOIUrl":"https://doi.org/10.18592/at-taradhi.v13i2.7174","url":null,"abstract":"This study aims to determine the direction of development of Islamic finance research during the pandemic, focusing on the growth of international publications in the field of Islamic finance in the Scopus database between 2020 and 2022. Bibliometric mapping consists of core journals in international publications in the field of Islamic finance, the productivity of researchers in the field of Islamic finance, the number of publications based on institutional collaboration in international publications in the field of Islamic finance, the development of international publications on research in the field of Islamic finance by subject/field, and a map of the development of international publications on research in the field of Islamic finance. ","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45740651","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 : 2022-06-16DOI: 10.18592/at-taradhi.v13i1.5852
Nuzly Camelia Siregar, Rosyid Nur Anggara Putra, Nur Arifah
This paper analyzed of capital structure and intellectual capital on finance performance in Indonesia and the relationship between intellectual capital and financial performance moderated by corporate governance mechanism. Using a sample of 18 corporates in Jakarta Islamic Index (JII) for the period between 2016 and 2019. The findings suggested that capital structure as measured by leverage has a negative influence on financial performance, intellectual capital as measured by the value added intellectual coefficient (VAIC) has a positive influence on financial performance. Furthermore, the results find that the independent board of commissioners are able to strengthen the relationship between intellectual capital and financial performance, while institutional ownership weakness the relationships. This strengthens the agency theory that a good corporate governance mechanism can resolve agency conflicts so that it affects the financial performance.
{"title":"Pengaruh Struktur Modal dan Modal Intelektual Terhadap Kinerja Perusahaan Dimoderasi Corporate Governance","authors":"Nuzly Camelia Siregar, Rosyid Nur Anggara Putra, Nur Arifah","doi":"10.18592/at-taradhi.v13i1.5852","DOIUrl":"https://doi.org/10.18592/at-taradhi.v13i1.5852","url":null,"abstract":"This paper analyzed of capital structure and intellectual capital on finance performance in Indonesia and the relationship between intellectual capital and financial performance moderated by corporate governance mechanism. Using a sample of 18 corporates in Jakarta Islamic Index (JII) for the period between 2016 and 2019. The findings suggested that capital structure as measured by leverage has a negative influence on financial performance, intellectual capital as measured by the value added intellectual coefficient (VAIC) has a positive influence on financial performance. Furthermore, the results find that the independent board of commissioners are able to strengthen the relationship between intellectual capital and financial performance, while institutional ownership weakness the relationships. This strengthens the agency theory that a good corporate governance mechanism can resolve agency conflicts so that it affects the financial performance.","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45918545","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 : 2022-06-16DOI: 10.18592/at-taradhi.v13i1.6041
Riski Wulandari, Moh Rofiuddin
{"title":"Pengaruh Rasio Keuangan Terhadap Pertumbuhan Laba dengan Ukuran Bank Sebagai Variabel Moderasi: Studi pada Bank Umum Syariah Indonesia Periode 2016-2020","authors":"Riski Wulandari, Moh Rofiuddin","doi":"10.18592/at-taradhi.v13i1.6041","DOIUrl":"https://doi.org/10.18592/at-taradhi.v13i1.6041","url":null,"abstract":"","PeriodicalId":53102,"journal":{"name":"AtTaradhi Jurnal Studi Ekonomi","volume":null,"pages":null},"PeriodicalIF":0.0,"publicationDate":"2022-06-16","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46373593","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 : 2022-06-16DOI: 10.18592/at-taradhi.v13i1.6340
Mahmud Yusuf
The formulation of the problem in this study is to narrate the sharia card as a solution for using credit cards in the community. The research method used is the library research method with content analysis as an analytical knife so that the right solution is found in drawing conclusions. To ensure the validity of the data, the researcher will use the triangulation technique of sources derived from various literatures that are relevant to the research theme. The results showed that credit cards in traditional banks, this is a method of payment for the purchase and sale of goods and services, and it is possible to pay at once or in installments up to a certain minimum amount (ba’i bit-taqsith), which is haram. To avoid it, sharia cards use Islamic principle., which is not used for transactions that are not in accordance with sharia, and does not encourage excessive consumption. The main card holder must have the financial ability to pay off on time and must not provide services that are contrary to sharia. Tujuan penelitian ini adalah untuk menganalisa eksistensi kartu syariah sebagai solusi penggunaan kartu kredit di masyarakat. Metode penelitian yang digunakan adalah metode penelitian kepustakaan dengan pendekatan content analisis untuk menemukan solusi yang tepat dalam penarikan kesimpulan. Penulis menggunakan teknik triangulasi sumber dari berbagai literatur yang relevan dengan tema penelitian untuk menjamin keabsahan data. Hasil penelitian menunjukkan bahwa kartu kredit di bank konvensional yang merupakan metode pembayaran untuk pembelian dan penjualan barang serta jasa, di mana pembayarannya dapat dilakukan sekaligus atau dicicil hingga jumlah minimum tertentu termasuk dalam kategori riba yang haram. Maka untuk menghindarinya, kartu syariah menggunakan prinsip Islam, yaitu yang tidak menyebabkan sifat konsumtif dan tidak digunakan untuk transaksi yang tidak sesuai syariah. Pemegang kartu utama harus memiliki kemampuan finansial untuk melunasi tepat waktu dan tidak boleh memberikan pelayanan yang bertentangan dengan syariah.
本研究问题的表述是叙述伊斯兰教法卡作为在社区中使用信用卡的解决方案。使用的研究方法是图书馆研究法，以内容分析为分析刀，在得出结论时找到正确的解决方案。为了确保数据的有效性，研究人员将使用与研究主题相关的各种文献来源的三角测量技术。结果表明，在传统银行中，信用卡是购买和销售商品和服务的一种支付方式，可以一次性支付或分期付款，最高可达一定的最低金额(ba 'i bit-taqsith)，这是haram。为了避免这种情况，伊斯兰教法卡使用了伊斯兰教义。它不用于不符合伊斯兰教法的交易，也不鼓励过度消费。主卡持卡人必须有经济能力按时还款，不得提供违反伊斯兰教法的服务。Tujuan penelitian ini adalah untuk menganalisa eksistensi kartu syariah sebagai solusi penggunaan kartu信用di masyarakat。Metode penelitian yang digunakan adalah Metode penelitian kepustakan dengan pendekatan含量分析untuk menemukan solusi yang tepat dalam penarikan kespulan。Penulis menggunakan技术三角分析、数据分析、数据分析、文献分析、数据分析等。Hasil penelitian menunjukkan bahwa kartu信贷银行传统的yang merupakan方法pembayaran untuk pembelian dan penjuakan barang serta jasa, di mana pembayarannya dapat dilakukan sekaligus atau行政管理的最小tertentenu termasuk dalam kategori riba yang haram。Maka untuk menghindarinya, kartu syariah menggunakan prinsip Islam, yitu yang tidak menyebabkan sifat konsumtif dan tidak digunakan untuk transaksi yang tidak sesuai syariah。pemangkartu utama harus memiliki kemuman financial untuk melunastepat waktuu dandiak bolleh成员，pelayanan yang bertentenangan和denangan伊斯兰教。
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