Category: Uncategorized

Abstract

The author conducts the research within the scope of the Troubled Financing Settlement Strategy on Mudharabah Agreement at Bank Muamalat Indonesia. Problem financing is a problem that is very influential on bank soundness and almost occur in some banks, not to mention the Bank Muamalat Indonesia classified as experiencing problematic financing sufficient to the spotlight in the 2014 period of 6.55% and 2015 of 7.11%. Facts prove that in 2016 Bank Muamalat Indonesia able to reduce the level of problem financing to 3.83% and in 2017 to 4.7% thus proving that in fact Bank Muamalat Indonesia able to complete financing problem well in the next year with the strategy of financing problem settlement Bank Muamalat Indonesia conducted in the year 2016. However, the current discourse of Bank Muamalat will be acquired by Minna Padi securities company due to lack of capital faced by Bank Muamalat Indonesia caused by high NPF (Non-Performing Finance) factor, more or less influenced by problematic financing including mudharabah financing. This study aims to determine the strategy of financing settlement on mudharabah contract. The results of this study show that in the handling of customers who experienced problematic financing, Bank Muamalat Indonesia using the strategy, revitalization: rescheduling, reconditioning, restructuring and management assistance, then if the customer is not well-settled then the Settlement is settled through the guarantee, Through BAMUI (Arbitration Board Muamalat Indonesia), and settlement by way of Litigation. The results of this study are expected to provide input to the high NPF (Non-Performing Finance) issues currently facing Bank Muamalat Indonesia and target the NPF to fall to 3%.

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Abstract

LKMS is a financial institution that is oriented towards improving the welfare of members and society. Despite growing rapidly, LKMS is still experiencing many obstacles in its development. There are still many problems faced by this institution both from the internal and external side. This study attempts to identify the causes and factors that are dominantly an obstacle to the development of LKMS in Indonesia, using IFAS EFAS Matrix and SWOT approaches, along with the solutions offered.

Based on the IFE analysis that the highest rating of the power of small and medium enterprises (MSMEs) is followed by high local initiative. While the weakness rating is the cost of human resource training and entrepreneurship training followed by the cost of licensing. The results of EFE analysis that the highest ranking of the opportunities that are financed sector is very flexible followed by the public interest factor toward sharia transaction is getting bigger. While the highest ranking of threats is competition followed by weak regulation and legality LKMS. It is expected that there will be a joint commitment from various parties either from policymakers or academics and practitioners in supporting and encouraging the development effort of sharia finance industry, especially in this case LKMS.

Download : https://journal.uhamka.ac.id/index.php/jei/article/view/1287

Abstract

LKMS is a financial institution that is oriented towards improving the welfare of members and society. Despite growing rapidly, LKMS is still experiencing many obstacles in its development. There are still many problems faced by this institution both from the internal and external side. This study attempts to identify the causes and factors that are dominantly an obstacle to the development of LKMS in Indonesia, using IFAS EFAS Matrix and SWOT approaches, along with the solutions offered.

Based on the IFE analysis that the highest rating of the power of small and medium enterprises (MSMEs) is followed by high local initiative. While the weakness rating is the cost of human resource training and entrepreneurship training followed by the cost of licensing. The results of EFE analysis that the highest ranking of the opportunities that are financed sector is very flexible followed by the public interest factor toward sharia transaction is getting bigger. While the highest ranking of threats is competition followed by weak regulation and legality LKMS. It is expected that there will be a joint commitment from various parties either from policymakers or academics and practitioners in supporting and encouraging the development effort of sharia finance industry, especially in this case LKMS.

Download : https://journal.uhamka.ac.id/index.php/jei/article/view/1287

Abstract

LKMS is a financial institution that is oriented towards improving the welfare of members and society. Despite growing rapidly, LKMS is still experiencing many obstacles in its development. There are still many problems faced by this institution both from the internal and external side. This study attempts to identify the causes and factors that are dominantly an obstacle to the development of LKMS in Indonesia, using IFAS EFAS Matrix and SWOT approaches, along with the solutions offered.

Based on the IFE analysis that the highest rating of the power of small and medium enterprises (MSMEs) is followed by high local initiative. While the weakness rating is the cost of human resource training and entrepreneurship training followed by the cost of licensing. The results of EFE analysis that the highest ranking of the opportunities that are financed sector is very flexible followed by the public interest factor toward sharia transaction is getting bigger. While the highest ranking of threats is competition followed by weak regulation and legality LKMS. It is expected that there will be a joint commitment from various parties either from policymakers or academics and practitioners in supporting and encouraging the development effort of sharia finance industry, especially in this case LKMS.

Download : https://journal.uhamka.ac.id/index.php/jei/article/view/1287

Abstract

The purpose of this research is to know the Implementation of Fatwa DSN-MUI NO. 96/DSN-MUI/IV/2015 Concerning Hedging Transactions on Forward Exchange Contract.The data used are primary and secondary data. Primary data is the source of research data obtained directly from original sources in the form of interviews, opinions of individuals or groups and the results of observation. Secondary data is the source of research data obtained through intermediate media, books, records, and archives published or not published in general. According to the fatwa No. 96/DSN-MUI/IV/2015 about sharia hedging the conclusion of this study is forward exchange contract transactions not in a accordance with Islamic shari’a. DSN-MUI asserted that the concept of wa’ad must occur between the two parties who are bound by the transaction agreement, it is different from the Forward Exchange Contract that only uses the concept of single wa’ad (one party is bound) only.Islamic banks also have difficulty in determining the status or hedging transactions in Forward Exchange Contract. In addition, the implementation of the fatwa DSN-MUI on sharia hedge is still limited in certain areas only.

Download : https://journal.uhamka.ac.id/index.php/jei/article/view/1290

Abstract

The purpose of this research is to know the Implementation of Fatwa DSN-MUI NO. 96/DSN-MUI/IV/2015 Concerning Hedging Transactions on Forward Exchange Contract.The data used are primary and secondary data. Primary data is the source of research data obtained directly from original sources in the form of interviews, opinions of individuals or groups and the results of observation. Secondary data is the source of research data obtained through intermediate media, books, records, and archives published or not published in general. According to the fatwa No. 96/DSN-MUI/IV/2015 about sharia hedging the conclusion of this study is forward exchange contract transactions not in a accordance with Islamic shari’a. DSN-MUI asserted that the concept of wa’ad must occur between the two parties who are bound by the transaction agreement, it is different from the Forward Exchange Contract that only uses the concept of single wa’ad (one party is bound) only.Islamic banks also have difficulty in determining the status or hedging transactions in Forward Exchange Contract. In addition, the implementation of the fatwa DSN-MUI on sharia hedge is still limited in certain areas only.

Download : https://journal.uhamka.ac.id/index.php/jei/article/view/1290

Abstract

The purpose of this research is to know the Implementation of Fatwa DSN-MUI NO. 96/DSN-MUI/IV/2015 Concerning Hedging Transactions on Forward Exchange Contract.The data used are primary and secondary data. Primary data is the source of research data obtained directly from original sources in the form of interviews, opinions of individuals or groups and the results of observation. Secondary data is the source of research data obtained through intermediate media, books, records, and archives published or not published in general. According to the fatwa No. 96/DSN-MUI/IV/2015 about sharia hedging the conclusion of this study is forward exchange contract transactions not in a accordance with Islamic shari’a. DSN-MUI asserted that the concept of wa’ad must occur between the two parties who are bound by the transaction agreement, it is different from the Forward Exchange Contract that only uses the concept of single wa’ad (one party is bound) only.Islamic banks also have difficulty in determining the status or hedging transactions in Forward Exchange Contract. In addition, the implementation of the fatwa DSN-MUI on sharia hedge is still limited in certain areas only.

Download : https://journal.uhamka.ac.id/index.php/jei/article/view/1290

Abstract

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim community’s income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.

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Abstract

The income of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri is mostly a woven cloth businessman who became the livelihood for the Muslim community in Bandar Bandar Kidul. This effort has been fostered by Bank Indonesia which is the Central Bank which is very supportive of this ikat business. Most of the Muslim community’s income in Bandar Bandar Kidul comes from ikat business. When the ikat orders surged high, the income of the community will also increase and affect the consumption behavior of the Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This research uses the descriptive qualitative method with case study research strategy. Methods of data collection using interview method. Interviews were conducted with eight informants, namely ikat weaving businessmen and caretakers of pesantren huts. Based on the results of the study, the researcher can conclude that income has a very big impact on consumption behavior of urban Muslim community in the village of Bandar Kidul Kecamatan Mojoroto Kediri with some indicators namely; The first indicator with the amount of expenditure, the second indicator with the indicator of Islamic consumption, and the third indicator is the indicator of need fulfillment. Of the three indicators above can be seen that income has a positive impact on the consumption behavior of urban Muslim communities in the village of Bandar Kidul Kecamatan Mojoroto Kediri. This is evidenced by the amount of expenditure that is adjusted to the income, pay attention to the goods consumed for halal and thayyib and not extravagant and exaggerated, the fulfillment of income-adjusted needs.

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Abstract

This study aims to determine the implementation of istishna in application home financing Developer Property Sharia Bogor. This research using descriptive qualitative research to according This type of research was descriptive qualitative research with illustrative for solving the problem. The result of this research is Akad or transaction that applied by Developer Property Sharia using istishna without interest, without penalty, unguaranteed of goods belong to a buyer, and price credit is fixed until paid off.

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