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Itsnaini Chusnul Khotimah
Institut Agama Islam Al-Qur???an Al-Ittifaqiah (IAIQI) Indralaya

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LARANGAN RIBA DITINJAU DARI TAFSIR AYAT AHKAM SURAT AL-BAQARAH AYAT 275-281 Itsnaini Chusnul Khotimah
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 3 No. 02 (2022): Januari-Juni 2022
Publisher : Program Studi Ekonomi Syariah

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Abstract

The practice of usury has become a habit in people's daily lives. Both from implied usury and real usury. Even though the prohibition of usury exists in all divine religious rules. In Islam, the prohibition of usury is clearly stated in the Quran. Among them are in the letter Al-Baqarah Verses 275 to 281. Apart from the practice of usury, it also has a bad impact on people who practice it. The purpose of this study is to determine for sure the prohibition of Riba in the Qur'an through Tafsir Ayat Ahkam. The methodology used is descriptive qualitative methodology with a literature study approach. The results obtained from this study are additional knowledge regarding the prohibition of usury in detail through the interpretation of the ahkam verse.
PENGARUH PEMBIAYAAN BERMASALAH DAN EFISIENSI OPERASIONAL TERHADAP PROFITABILITAS BTPN SYARIAH PERIODE 2015-2020 Itsnaini Chusnul Khotimah; Nadiyah Susilawati
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 4 No. 01 (2022): Juli-Desember 2022
Publisher : Program Studi Ekonomi Syariah

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Abstract

The problem faced by Islamic banking to date is the problem of financing in Islamic banking itself. This problematic financing is then related to the bank's profitability in assessing its health. The financing problems faced by banks need to make the bank implement several strategies to improve Non Performing Financing (NPF), namely rescheling (rescheduling), reconditioning (reconditioning), restructuring (rearrangement) and foreclosure of collateral. If a bank is able to generate profits effectively and efficiently, maximum profitability can be achieved. Profitability as a basis to see the company's ability to earn a profit within a certain period. The ability of a company to earn a profit will attract investors to invest in the company so that the company can expand its business. BTPN Syariah As the only sharia commercial bank in Indonesia that focuses on providing services for empowering productive underprivileged customers and developing inclusive finance, BTPN Syariah also provides access to public finances and provides simple financial training to help the community's livelihood with its empowerment program. This study aims to determine whether non-performing financing and operational efficiency have an impact on the profitability of BTPN Syariah using descriptive quantitative methods.
Co-Authors Nadiyah Susilawati