Indonesian Scientific Journal of Islamic Finance

PENGEMBANGAN PONDOK PESANTREN BERBASIS ASET WAKAF DI JAWA TIMUR

Moh. Mahrus, Imroh Atul Musfiroh — Tue, 11 Jun 2024 00:00:00 +0800

Wakaf tidak dipandang lagi sebagai pranata keagamaan yang tujuan, fungsi dan peruntukannya hanya sebatas untuk kepentingan ibadah semata. Namun, harus dimaknai sebagai sarana potensial untuk meningkatkan kesejahteraan masyarakat dan memenuhi kepentingan umum, termasuk bagi dunia pendidikan khususnya Pondok pesantren yang turut serta dalam menciptakan generasi bangsa. Penelitian ini merupakan penelitian kualitatif dengan menggali informasi, pemberitaan, dan pendapat serta memaparkannya kembali perihal peran-serta Yayasan Badan Wakaf KH. Adlan Aly dalam pengembangan pendidikan Islam. Hal ini dilakukan antara lain dengan wawancara secara snowball sampling dengan beberapa pihak yang berkompeten, pengurus yayasan, serta pihak-pihak yang mengetahui tentang seluk-beluk wakaf di institusi tersebut. Juga dengan mengadakan observasi. Hasil penelitian ini telah menyimpulkan bahwa mengamankan aset wakaf di lingkungan Yayasan Badan Wakaf KH. M. Adlan Aly Cukir Jombang dan Yayasan Khoiriyah Hasyim Seblak Jombang. Wujud nyatanya antara lain dengan menjadikan lembaga (dalam hal ini awalnya Ponpes Putri Mu’allimat) sebagai Yayasan Badan Wakaf. Konsekwensi logisnya adalah bahwa semua harta milik Yayasan menjadi harta wakaf. Di samping itu, adanya upaya sertipikasi tanah dan bangunan, baik berupa sertipikat tanah (hak milik) maupun sertipikat tanah wakaf. Demikian pula dengan inventarisasi harta Yayasan yang menjadi agenda program kerja Yayasan, minimal dapat diketahui secara keseluruhan kekayaan Yayasan Badan Wakaf.

INVESTIGATING THE INTENTIONAL APPROACH OF CUSTOMERS TO USE THE ISLAMIC BANKING IN PAKISTAN: AN EMPIRICAL STUDY

Abdul Rahim Chandio, Moula Bux Brohi — Thu, 20 Jun 2024 20:50:14 +0800

Abstract

This study aims to investigate the perception of Islamic Banking users and measure the proposed behavioral factors like perceived usefulness, perceived ease of use, social influence, and attitude with the intention to use. This research inculcates the theory of planned behavior (TPB), unified theory of acceptance and use of technology (UTAUT), and technology acceptance model (TAM) in a perspective of Islamic Banking. The nature of the research is based on the quantitative methodology and follows the survey questionnaire in order to collect the data within the province of Sindh. For the data analysis 268 survey items were distributed among the Bank customers and the only 193 respondents materialized their feedback. For the testing the hypothesis SPSS version 24 was used. The results of the study show that all proposed constructs fond the positive and significant relationship with the criterion variable. Moreover, theoretical and practical significance of this study is related to behavior of consumer in Islamic Banking and it ensures the services and products via adoption, promotion, and propagation of Islamic banking as a social norm in Pakistan.

INTEREST AND PROFIT SHARING INSTRUMENTS IN THE BANKING WORLD

Zulfikar Hasan, Erik Susanto — Thu, 20 Jun 2024 20:54:04 +0800

This article attempts to examine the concept of interest instruments in conventional banking and profit-sharing instruments in Islamic banking and their implications for investment and financing for customers according to the perspective of the principle of justice in Islamic economics. This study uses the research library method, and the researcher analyzes relevant secondary data related to this discussion. Data was sourced from journals, books, and other reading materials. This study uses a phenomenological approach to describe the overall problem of the people who experience it directly, in this case, the bank and the customer. The results of the study show that interest instruments at conventional banks tend to be more unfair because the interest system at traditional banks does not see profit and loss from the business being run. Dangerous for the culprit. Meanwhile, profit-sharing instruments at Islamic banks are based on the profit and loss of the company run by the bank and customers, which are considered fairer. Even so, Islamic banks still have an expected bank rate of standard profit expectations for the bank's business to support sound financial performance.

MANAJEMEN PERMODALAN UNTUK MENINGKATKAN KESEHATAN BMT MASLAHAH NGAWI

Salma Nauval Adella, Fitra Rizal — Thu, 20 Jun 2024 20:56:51 +0800

This research is based on the world of sharia banking business in this modern era. BMT Maslahah Ngawi Branch's efforts to maintain health through capital management originating from owners, shareholders and several operational income results based on certain provisions. The aim of this research is to analyze capital management, health level, obstacles faced by BMT Maslahah Ngawi Branch. The formulation of the research problem is 1) What is the health level of BMT Maslahah Ngawi Branch, 2) How is the capital management of BMT Maslahah Ngawi Branch, 3) What are the obstacles faced by BMT Maslahah Ngawi Branch in improving health. This research is field research and uses a descriptive qualitative approach through in-depth interviews, field observations and documentation of BMT Maslahah Ngawi Branch by staff and managers, analyzed using an inductive method in the form of specific data categorized as data reduction, display data and ends with data verification. The results of the research on BMT Maslahah Ngawi Branch can be concluded that: 1) The health level of BMT Maslahah Ngawi Branch in 2019-2022 experienced a percentage decrease, showing a CAR of 6.30%, occupying the title of Less Healthy. 2) Capital Management through marketing techniques and empowering human resources. 3) The problem with BMT Maslahah Ngawi Branch is that the management is considered unprofessional, and the lack of customer responsibility has an impact on customer financing obligations.

SENTIMENT ANALYSIS ON HALAL INVESTMENT

Mia Sari — Thu, 20 Jun 2024 20:59:38 +0800

As a country with a majority Muslim population, Indonesia should be at the center of sharia economic development in the world. The potential is also quite large, starting from halal certification, concern for Muslim-friendly products, services that make it easier for Muslims to practice their beliefs, and much more. The strategy to achieve Indonesia's vision as the world's leading sharia economic center is to strengthen the halal value chain. This study examines Halal Investment as a component that is fundamental to the development of the halal industry in Indonesia. Based on the available literature, it was found that there is no sentiment research on this topic. The method used is descriptive statistical analysis with meta-analysis and sentiment analysis of secondary data in the form of metadata from 41 Scopus indexed publications published in the last 25 years, starting in 1997 and ending in 2022. The results of the sentiment analysis show that the response to the development of halal investment tended to vary, with positive sentiment at 41.5%, negative sentiment at 17.1%, and neutral sentiment at 39.0%. This study also attempts to identify negative responses to halal investments and offers ideas for future research.

ANALISIS PENYELESAIAN PEMBIAYAAN BERMASALAH DI UNIT USAHA BANK KALTIMTARA SYARIAH KC SAMARINDA

Norma Linda, Muhammad Iswadi, Muhammad Hasbi — Thu, 20 Jun 2024 21:02:53 +0800

Non Performing Financing is a condition where financing activities meet the agreed conditions for repayment of the financing, resulting in a delay, so action is required by the bank. This research aims to find out the level of problematic financing, what are the factors of problematic financing and how to resolve problematic financing in the Bank Kaltimtara Syariah Business Unit KC Samarinda.This research uses descriptive qualitative research, which is a research method that emphasizes the aspect of in-depth understanding of a problem so that the research can be of high quality, so the data collected must be complete in the form of primary data and secondary data. Data collection techniques in this research used observation, interview and documentation techniques. And the data analysis techniques used are data collection, data reduction, data presentation, and drawing conclusions.The results of this research show that the level of financing at Bank Kaltimtara Syariah for problem financing is classified as healthy. Because it has decreased in the past three years, this is reflected in the financial statements, namely in 2020 it was 2.96%, in 2021 it was 2.78% and in 2022 it was 0 .78%. There is 1 factor that causes problematic financing at Bank Kaltimtara Syariah KC Samarinda, namely external factors. Problematic financing can occur but not too much because those who apply for financing are customers who choose consumer products. Meanwhile, for productive products, problematic financing occurs in During the pandemic, customers experienced unexpected events, namely a decrease in turnover. Resolving financing problems in productive financing products by holding discussions to obtain information about problems in the customer's business. Then the bank also held a Restructuring Option. Meanwhile, for consumer financing products, the solution is for the party to give a warning letter or block salaries and take over to another bank

FAKTOR-FAKTOR YANG MEMPENGARUHI PENGGUNAAN BSI MOBILE DI SAMARINDA: PENDEKATAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE OF TECHNOLOGY (UTAUT)

Reski Amelia, M Birusman Nuryadin, Kokom Komariah — Thu, 20 Jun 2024 21:05:40 +0800

Pertumbuhan penggunaan layanan perbankan digital di Indonesia terus meningkat seiring dengan perkembangan informasi teknologi saat ini. BSI mobile merupakan aplikasi layanan dari Bank S yariah Indonesia yang diharapkan dapat memberikan kemudahan kepada nasabah. Model Unified Theory of Acceptance and Use of Technology (UTAUT) berfungsi untuk mendeteksi tingkat penerimaan suatu teknologi. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh ekspektasi kinerja, ekspektasi upaya, pengaruh sosial, dan kondisi fasilitas serta persepsi biaya terhadap penggunaan BSI mobile di Samarinda.
Penelitian ini menggunakan metode penelitian kuantitatif dengan pendekatan asosiatif. Populasi dalam penelitian ini adalah nasabah aktif BSI di Samarinda yang telah terdaftar sebagai pengguna ponsel BSI, sedangkan sampel yang digunakan sebanyak 97 responden. Pengambilan sampel dilakukan dengan metode purposive sampling dan teknik pengukuran dengan skala likert. Metode analisis data yang digunakan adalah analisis asumsi klasik, analisis regresi berganda, uji t, dan uji F bantuan dengan SPSS Ver.24.
Hasil penelitian menunjukkan bahwa variabel ekspektasi kinerja, ekspektasi upaya, dan pengaruh sosial secara parsial berpengaruh positif dan signifikan. Sedangkan kondisi fasilitasi tidak mempunyai pengaruh yang positif dan tidak signifikan, dan biaya yang dirasakan hanya mempunyai pengaruh yang positif dan tidak signifikan. Kemudian secara simultan variabel ekspektasi kinerja, ekspektasi upaya, pengaruh sosial, kondisi fasilitasi, dan persepsi biaya berpengaruh positif dan signifikan terhadap penggunaan BSI mobile di Samarinda.