Journal of Islamic Banking and Finance最新文献_第3页

Bank Wakaf Mikro Usaha Mandiri Sakinah: Pemberdayaan Ekonomi Perempuan Universitas Aisyiyah Yogyakarta

Journal of Islamic Banking and Finance Pub Date : 2021-08-04 DOI: 10.22515/JFIB.V3I2.2970

C. Dewanti, S. Supriyanto, M. E. Saputro

引用次数: 1

ANALISIS URGENSI PRINSIP 5C (CHARACTER, CAPACITY, CAPITAL, COLLATERAL, CONDITION) DALAM MEMINIMALISIR RISIKO PEMBIAYAAN (STUDI PADA BMT AS’ADIYAH SENGKANG) 紧急分析5C原则(CHARACTER, CAPACITY, CAPITAL, collasion, CONDITION)，将融资风险降到最低(BMT AS adiyah SENGKANG的研究)

Journal of Islamic Banking and Finance Pub Date : 2021-06-20 DOI: 10.30863/ibf.v1i1.3004

Jumarni Jumarni, Lilis Sariani

{"title":"ANALISIS URGENSI PRINSIP 5C (CHARACTER, CAPACITY, CAPITAL, COLLATERAL, CONDITION) DALAM MEMINIMALISIR RISIKO PEMBIAYAAN (STUDI PADA BMT AS’ADIYAH SENGKANG)","authors":"Jumarni Jumarni, Lilis Sariani","doi":"10.30863/ibf.v1i1.3004","DOIUrl":"https://doi.org/10.30863/ibf.v1i1.3004","url":null,"abstract":"ABSTRACTThe implementation of the 5C principles in financial institutions is often not carried out optimally, one of the contributing factors is the existence of targets that must be achieved and the urgent needs of customers so that they take various ways so that their financing applications are accepted. So in this case the author conducted research on the analysis of the urgency of the 5C principle (character, capacity, capital, collateral, condition) in minimizing financing risk. The type of research used is field research using a qualitative approach, where the data collected is in the form of data from interviews, observations, and documentation. And the data analysis technique used is descriptive data analysis.The results of this study indicate that the 5C principle is very important in assessing the financing feasibility of a prospective customer because the 5C principle has an impact on the success of a financing. The implementation of the 5C principles has been carried out well but risks still exist, both risks originating from customers and unexpected risks. Keywords: 5C principle, financing risk.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"96 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"75991304","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}

引用次数: 0

PENGARUH PEMBERIAN KREDIT USAHA RAKYAT (KUR) PT BANK RAKYAT INDONESIA,TBK (PERSERO) UNIT PALAKKA TERHADAP PENINGKATAN PENDAPATAN EKONOMI USAHA MIKRO KECIL (UMK) DI KOTA WATAMPONE

Journal of Islamic Banking and Finance Pub Date : 2021-06-20 DOI: 10.30863/ibf.v1i1.3014

M. Syam, Ria Musfira

引用次数: 3

MODEL PENYELESAIAN PEMBIAYAAN BERMASALAH DENGAN MENGGUNAKAN METODE RESTRUKTURISASI PEMBIAYAAN AKAD MUDHARABAH DI BANK SULSELBAR CABANG SYARIAH MAKASSAR 通过使用阿卡德•穆达鲁巴(akdmudharabah)在马卡萨伊斯兰银行(SULSELBAR MAKASSAR)分支机构的重组方式解决问题

Journal of Islamic Banking and Finance Pub Date : 2021-06-20 DOI: 10.30863/ibf.v1i1.2998

Cakra Cakra, Haslinda Haslinda

{"title":"MODEL PENYELESAIAN PEMBIAYAAN BERMASALAH DENGAN MENGGUNAKAN METODE RESTRUKTURISASI PEMBIAYAAN AKAD MUDHARABAH DI BANK SULSELBAR CABANG SYARIAH MAKASSAR","authors":"Cakra Cakra, Haslinda Haslinda","doi":"10.30863/ibf.v1i1.2998","DOIUrl":"https://doi.org/10.30863/ibf.v1i1.2998","url":null,"abstract":"Abstract This research discusses aboutsettlement of non-performing financing using the restructuring method and the procedure for granting a restructuring policy for mudrabah contract financing provided by the bank of sulselbar to defaulted customers. The type of research conducted by the researcher is classified as qualitative descriptive with a phenomenological approach. The resources in the research are the leadership of the Islamic Bank Sulselbar along with the front liners as the credit analysis team. With data collection methods in the form of interviews, documentation and several institutional references. Data management and analysis techniques were carried out by in-depth interviews with informants. After doing the research, the writer made the results of the interview by playing back the interview recording and then rewriting the words that matched what was in the recording. After the researchers wrote the results of the interviews, the researchers then made data reduction by way of abstraction, namely taking data that was in accordance with the research context and ignoring data that were not needed. The results show that the problem financing settlement model at the Islamic Bank Sulselbar uses 3 stages, namely financing restructuring, subrogation or guarantor institutions as well as litigation and guarantee execution which are carried out persuasively to customers while still based on applicable regulations. With the procedure for providing a restructuring policy for mudharabah contract financing, it refers to BI regulations as the central bank and still follows the company operating standards (SOP) run by the Islamic Bank of South Sulawesi. Key words: Financing Restructuring, Mudharabah Agreement, BI and OJK","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"23 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-06-20","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"80714140","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}

引用次数: 0

PENGARUH PARTISIPASI PENGUSAHA MUSLIM BUGIS TERHADAP PENGENTASAN KEMISKINAN DI KABUPATEN BONE SULAWESI SELATAN

Journal of Islamic Banking and Finance Pub Date : 2021-06-20 DOI: 10.30863/ibf.v1i1.3009

syamsul bahri

引用次数: 1

The influence of Halal Label, Product Quality, and Price on Purchasing Decisions 清真标签、产品质量和价格对采购决策的影响

Journal of Islamic Banking and Finance Pub Date : 2020-09-21 DOI: 10.22515/JFIB.V3I1.2627

Cut Tari Fadila, T. Farlian, A. Ramly

引用次数: 4

The Management of Fiat Money or Gold Standard in the Financial System 金融体系中法定货币或金本位的管理

Journal of Islamic Banking and Finance Pub Date : 2020-09-21 DOI: 10.22515/JFIB.V3I1.2566

Lathif Lanafir Rifqi, Ana Zahrotun Nihayah

{"title":"The Management of Fiat Money or Gold Standard in the Financial System","authors":"Lathif Lanafir Rifqi, Ana Zahrotun Nihayah","doi":"10.22515/JFIB.V3I1.2566","DOIUrl":"https://doi.org/10.22515/JFIB.V3I1.2566","url":null,"abstract":"In recent years, several prominent figures in Islamic Economics have called for a reform of the financial system from the concept of fiat money to return to the gold standard system (dinar dirham). The main reason for financial system reform is the perspective that fiat money is considered not resistant to inflation. However, the gold standard system is considered to have various weaknesses namely; physical size is relatively heavy, is not proven to be anti-inflation based on historical records, high production costs, inefficient utilization of production resources, only benefits certain groups, and is vulnerable to payment deficits. In theory, the problem of inflation is caused by the imbalance between supply and demand for money itself. If the money supply is greater than the demand, it will cause inflation. Conversely, if the money supply is less than the demand, then the economic activity will not be smooth. Therefore, this article believes that inflation is not due to the physical form of money (paper or gold ), but is caused by effective money supply and demand management. Therefore, government policies are needed including (a) deregulation of the banking system by nationalizing all banks, (b) playing an active role in intervening in the surge in prices of goods and services (c) promoting Ziswaf institutions.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"102 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-09-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"87733584","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}

引用次数: 0

Malaysian Consumer Intention toward Takaful Scheme for Mental Health Disorders 马来西亚消费者对心理健康障碍回教计划的意向

Journal of Islamic Banking and Finance Pub Date : 2020-09-21 DOI: 10.22515/JFIB.V3I1.2428

Khairil Faizal Khairi, N. Laili, Aimi Fadzirul Kamarubahrin

{"title":"Malaysian Consumer Intention toward Takaful Scheme for Mental Health Disorders","authors":"Khairil Faizal Khairi, N. Laili, Aimi Fadzirul Kamarubahrin","doi":"10.22515/JFIB.V3I1.2428","DOIUrl":"https://doi.org/10.22515/JFIB.V3I1.2428","url":null,"abstract":"This paper investigates the factors influencing Malaysian consumer intention toward takaful scheme for mental health disorders. An applied expanded Theory of Reasoned Action (TRA) model were used in the research and the variables of awareness, perception, attitude, subjective norm and intention toward a takaful scheme for mental health disorders were investigated. It is a pilot research carried out in Malaysia. The respondents are 60 Malaysian takaful consumers based on an online survey inside Klang Valley, Malaysia. This study reveals that the mean of attitude with the score of 4.27 is the highest score. The Pearson correlation is positive for both independent and dependent variables. Analysis of regression indicates a strong positive relationship between subjective norm and intention, thus suggesting that subjective norm is an important area to link to intention against mental health disorder takaful scheme. This is also proposed that future studies will concentrate on the factors that affect the willingness of consumers towards takaful mental health disorder schemes. It is hoped that the results of this study will serve as an informative reference for further development of takaful scheme for mental health disorder.","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"24 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-09-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"84117281","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}

引用次数: 0

Implementation of Sharia Management in Islamic Mutual Fund Products 伊斯兰共同基金产品实施伊斯兰教法管理

Journal of Islamic Banking and Finance Pub Date : 2020-09-21 DOI: 10.22515/JFIB.V3I1.2626

Rizki Ikha Riftiani, Diana Lestari, Kharis Fadlullah Hana

引用次数: 1

Implementation of the Maqashid Syariah Index Approach on the Performance of Sharia Regional Development Banks in Indonesia 印度尼西亚伊斯兰教区域开发银行绩效的Maqashid伊斯兰教指数方法的实施

Journal of Islamic Banking and Finance Pub Date : 2020-09-21 DOI: 10.22515/JFIB.V3I1.1952

M. Yusup, Dewi Sartika Nasution

{"title":"Implementation of the Maqashid Syariah Index Approach on the Performance of Sharia Regional Development Banks in Indonesia","authors":"M. Yusup, Dewi Sartika Nasution","doi":"10.22515/JFIB.V3I1.1952","DOIUrl":"https://doi.org/10.22515/JFIB.V3I1.1952","url":null,"abstract":"The implementation of sharia bank performance appraisal models has so far adopted the conventional banking model in terms of evaluating financial performance. Based on this phenomenon, the evaluation of sharia banking performance should use performance measurement based on the maqashid sharia method. The Maqashid Syariah Index (MSI) method has three main objectives, including tahzibal-fardi (educating people), iqamah al-‘adl (upholding justice), and jalbal-maslahah (public interest). The research is a quantitative descriptive study, to explain the maqashid syariah index ratio in analyzing the performance of sharia regional development banks in Indonesia. The sample used in the study using purposive sampling. The performance of sharia regional development banks based on the maqashid sharia index approach illustrates that sharia regional development banks in Indonesia in their implementation of sharia operations are more dominant in the goals of Iqmah al-Adl, meaning that regional development banks in Indonesia are more concentrated in terms of applying sharia principles. The sharia regional development bank in Indonesia that has achieved the best performance according to the Maqashid Syariah Index approach is the Aceh Syariah Bank. ","PeriodicalId":31275,"journal":{"name":"Journal of Islamic Banking and Finance","volume":"34 1","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-09-21","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"74926501","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}

引用次数: 1