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Journal : journal of islamic banking

Implementasi Good Corporate Governance Dalam Meningkatkan Kepercayaan Pada Perbankan Syariah Moh. Agus Sifa'; Chusnu Fahruddin
Journal of Islamic Banking Vol. 2 No. 1 (2021): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

It is important to do so in order to further foster trust in society and improve the performance and progress of Islamic banking. The implementation of GCG in sharia institutions is important for the development of Islamic banking towards a more advanced direction. This is done because there is no guarantee that if an institution carries the name sharia, the institution will automatically implement good corporate governance. The research method used is a research library. The library research method is one of the methods that is part of the qualitative approach is library research (library research). Inspiration, this concept is needed in maintaining the objectivity of an organization or company in running a business by providing clear, accurate, easily accessible and understandable information and can be accounted for by all stakeholders in the organization or company. Accountability, this concept is needed to see the extent to which the performance has been produced by an organization and company. Responsibility, this concept reflects the responsibility of each individual or organization or company in complying with all tasks in the work, government regulations and policies relating to the business activities of an organization or company. Independence, this concept can be used as self-actualization for organizations and companies that can stand alone and have a competitive edge with their business environment. Fairness, this concept is needed to maintain company stability by maintaining fairness and equality for every member, stakeholder and other stakeholders in an organization or company with their respective portions.
JUAL BELI BITCOIN DALAM PERSPEKTIF EKONOMI ISLAM Moch Zaenal Azis Muctharom; Moh. Agus Sifa'
Journal of Islamic Banking Vol. 3 No. 2 (2022): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

Bitcoin is one of several digital currencies that first appeared in 2008 which was introduced by Satoshi Nakamoto as a currency based on cryptography. Bitcoin is a payment network based on peer-to-peer technology. Peer-to-peer network is a network that acts as a server as well as a client. Every Bitcoin transaction is stored in the database of the Bitcoin network. When a transaction occurs with Bitcoin, buyers and sellers will automatically be recorded in the Bitcoin database network. Bitcoin has advantages and disadvantages. The advantage of Bitcoin is that it is safe because every currency transaction is governed by a cryptography algorithm so that there is no possibility for counterfeiting currency balances. The drawback is that the Bitcoin system is anonymous, making Bitcoin vulnerable to cybercrime, if Bitcoin is lost, you cannot be insured because Bitcoin is not bound by any institution or law. Bitcoin as a means of payment transactions. This is because Bitcoin does not meet several elements and criteria as a valid currency, especially in the principles of Islamic Economics. In the context of digital money, there is no underlying, that is, assets are used as the basis for transactions. In this case, two things can be concluded. First, digital money is not currency. Second, there is an element of ambiguity (Gharar). n this case Bitcoin has no Underlying Assets, prices do not represent Underlying Assets, prices are out of control and the function of this digital currency has developed from being a medium of exchange to an investment commodity.
TINJAUAN PENGUMPULAN ZAKAT DI LAZISNU SINGGAHAN TUBAN Heri Kuncoro Putro; Agus Wahyu Irawan; Moh. Agus Sifa'
Journal of Islamic Banking Vol. 4 No. 1 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

The problem of povertyis still a classic problem in this country that still cannot be resolved. Poverty is increasingly coming to the fore, especially in various regions in Indonesia as a result of the economic downturn. Thus, of course, a precise and accurate formulation is needed to minimize the poverty rate. Zakat is one instrument to make it happen. The research that the researcher did was included in descriptive research with a qualitative approach. The results showed that zakat management efforts at LAZISNU Singgahan were carried out through ball pick-up services, promotions, account transfers, and establishing emotional relationships with the community.However, in the management of zakat there are obstacles that make the management of zakat at LAZISNU Singgahan not maximal in its implementation, including the human resources working at LAZISNU Singgahan where mustahiq are less active in participating in programs held by LAZISNU Singgahan and their assistance is lessthan optimal, causing a lack of understanding community towards the program run by LAZISNU Singgahan.
Analisis Fluktuasi Keuntungan Mitra Bisnis Franchise Ayam Geprek Sa'i dengan Sistem Persentase: Pendekatan dari Aspek Manajemen Pemasaran Syariah Moh. Agus Sifa'; Moch. Zaenal Azis Muctharom
Journal of Islamic Banking Vol. 4 No. 1 (2023): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

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Abstract

ABSTRACT This research focuses on analyzing the process of purchasing a cooperation license and the implementation of the mudarabah agreement in the fluctuation of profit sharing between Geprek Sa'i franchisers and business partners. In purchasing the Ayam Geprek Sa'i franchise business license, the business partner includes initial capital of IDR. 350,000,000, including renovation of premises, equipment, supplies and use of the name Ayam Geprek Sa'i license. The mudarabah agreement is implemented with this initial capital, and the distribution of profits is carried out based on revenue sharing. In this system, 70% of the net profit income is given to the franchiser, while 30% is given to the business partner. This process is explained through ijab qabul, where the business partner can make an initial payment and provide a place, then confirm with the franchiser. Fluctuations in the Ayam Geprek Sa'i franchise business are influenced by location factors and raw material prices. The distribution of profits is based on net profit income for one month, and the distribution percentage refers to revenue sharing, namely 70% for franchisers and 30% for business partners. This research takes a qualitative descriptive approach to explain the process and application of mudarabah contracts in the context of sharia economic law.