Eco-Iqtishodi : Jurnal Ilmiah Ekonomi dan Keuangan Syariah

Faktor-Faktor Yang Menyebabkan Terjadinya Pembiayaan Bermasalah Pada Akad Al-Qardh di Koperasi Syariah Majelis Ta’lim Masjid Al-Arif Kota Bandung

Muhammad Agus Syaripudin — Sat, 06 Jul 2024 00:00:00 -0500

The occurrence of problematic financing will have a negative impact on the financial condition of cooperatives and affect the income of sharia cooperatives. Therefore, with the phenomenon of Al-Qardh financing problems at the Sharia Cooperative of the Ta'lim Council of Al-Arif Mosque in Bandung, researchers are interested in conducting research entitled Factors Causing the Occurrence of Problematic Al-Qardh Financing in the Sharia Cooperative of the Ta'lim Al-Arif Council of Bandung City. The research method used by researchers is descriptive qualitative method. Al-Qardh financing is one of the products in the Sharia Cooperative Cooperative Majelis Ta'lim Masjid Al-Arif, this product also has many enthusiasts. There is a problematic financing that occurs in the Sharia Cooperative of the Ta'lim Council of Al-Arif Mosque which is triggered by two factors, namely internal and external factors. Internal factors include the lack of careful analysis and application of the values contained in the 5C principle by the cooperative to the character of members so that there are some members who are difficult when collecting their obligations, while the external factors are the impact of the Covid-19 pandemic and the lack of ability of members to manage money in the business they run, causing losses that have an impact on the difficulty of paying bill obligations to the cooperative.

Peluang Dan Tantangan Pengelolaan Keuangan Sosial Islam Indonesia Pada Instrumen Filantropi Untuk Kesejahteraan

Nurul Rahmah Kusuma, Nurrohman Nurrohman, Dede Nurwahidah — Sat, 06 Jul 2024 00:00:00 -0500

Philanthropic activities are a form of spirit of generosity with a strong theoretical basis contained in the Koran and its practice for prosperity, in the form of endowments, zakat, infaq and sadaqah with the aim of offering solutions to society in empowering existing potential related to humanity. The aim of this research is to outline the challenges and opportunities of philanthropic instruments in Indonesia in maximizing the potential of philanthropic funds. The research method used is a descriptive qualitative approach sourced from secondary data in the form of literature studies originating from journals and other relevant sources related to philanthropic instruments and management institutions. The results of this research show that the potential for community social funds is very large and is not in line with the reality that occurs due to obstacles or problems that are still found in the process of collecting and distributing philanthropic instruments, but these obstacles can be prevented by taking advantage of opportunities to maximize the potential of philanthropic funds so that each entity should synergize with each other. , improve, and support the achievement of the potential of philanthropic instruments for prosperity

Analisis Penerapan Prinsip Kehati-Hatian (Prudential Principle) Dalam Penyaluran Pembiayaan Konsumtif Pada Lembaga Keuangan Syariah

Maulin Nawa, Irsyad Andriyanto — Sat, 06 Jul 2024 00:00:00 -0500

The aim of this research is to explain the application of the prudential principle in the distribution of consumer financing at DI BMT MUBARAKAH KUDUS. The type of research that the author conducted was field research with a qualitative descriptive approach. This research was carried out at BMT Mubarakah Kudus. The subjects of this research were managers, tellers, marketing and customers of BMT Mubarakah Kudus. The main data sources obtained directly from the original sources through observation, interviews, or surveys, and secondary data sources come from relevant literature studies. The data collection techniques in this research are interviews and documentation. Meanwhile, testing the validity of the data through triangulation of methods, theories and data sources. The data analysis technique is applied using an inductive thinking approach to examine in depth the analysis of the application of the prudential principle in the distribution of consumer financing at BlMT Mubarakah Kudus. The results of the research show that the application of the prudential principle in consumer financing at BMT Mubarakah Kudus applies a feasibility analysis based on the 6 C principles (character, capacity, capital, condition, collateral and constraints) with an emphasis on the analysis aspects of character, ability, and guarantee. The factors that influence the occurrence of problematic consumer financing involve internal aspects, where BMT Mubarakah Kudus faces a lack of caution in analyzing prospective customers when applying for financing. Meanwhile, external factors, including economic conditions that have not fully recovered after the pandemic, have caused a decline in income for many businesses.

Faktor-Faktor Yang Mempengaruhi Minat Anggota Dalam Memanfaatkan Produk Pembiayaan Murabahah di KSPPS BMT Berkah Kabupaten Ciamis

Fadila Mardiani — Sat, 06 Jul 2024 00:00:00 -0500

Cooperatives based on the sharia system developed amidst the rise of thousands of conventional cooperatives, especially on the financing provided to members. Financing is often used for cooperative activities because it is always related to plans to obtain income. The increase in financing products has a positive impact on economic progress. Therefore, with the phenomenon of increasing financing at one of the BMTs in Ciamis district, namely KSPPS BMT BERKAH, there has been an increase in murabahah financing products. The aim of conducting this research is to find out what factors influence members' interest in murabahah financing products at KSPPS BMT BERKAH. This research is qualitative research, namely using primary data, namely data that has been obtained from the object under study. Primary data from this research is the main source obtained from interviews. Meanwhile, secondary data is data obtained through intermediaries and parties who already have the data. Secondary data from this research is from books and documents and other things related to the author's title. The results of this research state that the factors for the increase in murabahah financing products are because most members easily understand this murabahah financing product compared to other financing products and BMT makes it easy for customer members to apply, namely easy terms and relatively small margins.

Prospek Masa Depan Dual Banking System Dalam Konteks Globalisasi Ekonomi Syariah

Agus Rojak Samsudin, Oyo Sunaryo Mukhlas, Ayi Yunus Rusyana — Sat, 06 Jul 2024 00:00:00 -0500

The primary challenge facing the global banking system is how conventional and Islamic banking systems can operate simultaneously and synergistically within the context of Islamic economic globalization. This study aims to analyze the future prospects of the Dual Banking System, which integrates conventional and Islamic banking, in supporting global economic stability and growth. The methodology employs a qualitative approach with descriptive analysis, incorporating literature review and secondary data analysis from research reports of international institutions focused on the Islamic finance industry. The findings indicate that the Dual Banking System has significant potential to enhance financial inclusion and offer ethical and stable investment alternatives. However, substantial challenges, such as non-uniform regulations and disparate business cultures, remain to be addressed. The implications of this research suggest that with more comprehensive regulatory support and improved financial literacy, the Dual Banking System can become a crucial pillar in fostering a more inclusive and sustainable global economy

Analisis Pengaruh Tingkat Suku Bunga Terhadap Dana Nasabah di Bank Syariah

Amrul Muzan, Rifqy Rahman, Tina Permata Sari, Muhammad Farhat Farhat — Sat, 06 Jul 2024 00:00:00 -0500

This research aims to analyze the influence of interest rates on customer funds in Islamic banks and identify strategies that can be implemented by Islamic banks to maintain and increase customer trust and loyalty. This research uses a qualitative approach, by collecting data through in-depth interviews with customers and managers of Islamic banks as well as analysis of related literature. The research results show that changes in conventional interest rates can influence customers' decisions in depositing or withdrawing their funds at Islamic banks. To overcome this, Islamic banks need to develop investment portfolio diversification strategies, including products that provide protection against inflation such as real assets. In addition, Islamic banks must improve transparency, staff professionalism and customer service quality. Education and effective communication regarding the benefits and advantages of sharia products are also important to build customer trust and loyalty. The practical implications of this research include developing competitive products, increasing the use of digital technology for customer service, and regularly evaluating and adjusting strategies to respond to market changes. By implementing these measures, Islamic banks can increase their competitiveness, maintain customer loyalty, and achieve sustainable growth.

Penerapan Akad Wadiah Pada Produk Simpanan Idul Adha Di Koperasi Syariah Masjid Al Arif Kota Bandung Dalam Perspektif Fatwa DSN MUI

Rudiansyah Rudi — Sat, 06 Jul 2024 00:00:00 -0500

The Shariah financial institutions in Indonesia are currently undergoing rapid and significant progress.This can be observed through the profiling of various financial institutions, both bank and non-bank, which actively contribute to the progress of the Indonesian economy.The research method used in this research is qualitative descriptive research method.Qualitative method is the method of research based on postpositive philosophy used to investigate on the conditions of natural objects to obtain data with a specific purpose of use on the product storage idol adha in KOPSYAR MAJTAMAS AL ARIF in using academic wadiah yad Trust compliance with the fatwa DSN MUI NO:86/DSN-MUI/XII/2012.The academic implementation of the academic Wadiah on KOPsYAR Majtamas AL ARif in the perspective of DSN- MUI can be said to be not in line with the principle of Shariah

Analisis Return dan Risiko Pada Investasi Syariah

Nurul Kusumaningrum, Septi Gustirina, Yuswatun Andini — Sat, 06 Jul 2024 00:00:00 -0500

Pada era modern ini, masyarakat semakin cerdas dalam mengelola keuangan dan pendapatan mereka, menggeser fokus dari menabung menjadi berinvestasi. Investasi menawarkan peluang dan manfaat menarik, didukung oleh perkembangan teknologi yang memudahkan akses dan informasi. Investasi pada dasarnya melibatkan penanaman dana atau aset dengan harapan memperoleh keuntungan di masa depan, namun selalu diiringi dengan risiko ketidakpastian. Pentingnya memahami hubungan antara return dan risiko menjadi kunci dalam keputusan investasi. Keuangan syariah yang sedang berkembang pesat, menawarkan cara berinvestasi sesuai prinsip Islam. Investasi syariah di Indonesia menunjukkan pertumbuhan signifikan dengan meningkatnya jumlah saham syariah di Bursa Efek Indonesia. Prinsip investasi syariah menekankan keseimbangan antara potensi keuntungan yang halal dan risiko yang dapat diterima. Artikel ini menguraikan analisis perhitungan return dan risiko, serta membandingkan saham syariah dengan saham konvensional. Melalui metode kualitatif dan studi pustaka, penelitian ini menemukan bahwa meskipun saham syariah menawarkan return stabil dan risiko terukur, saham konvensional umumnya memiliki potensi return yang lebih tinggi dengan risiko yang bervariasi. Analisis ini diharapkan dapat memberikan wawasan dalam pengambilan keputusan investasi yang lebih bijak dan sesuai prinsip syariah.