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All Journal Perisai : Islamic Banking and Finance Journal Jurnal Ekonomi Islam NISBAH: JURNAL PERBANKAN SYARIAH ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Jurnal Ilmu Hukum, Humaniora dan Politik (JIHHP) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Ekonomi Islam
Lestari, Nur Melinda
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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PENGARUH TINGKAT LITERASI MAHASISWA PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN PRODUK PERBANKAN SYARIAH DALAM TRANSAKSI E_COMMERCE Lestari, Nur Melinda
Jurnal Ekonomi Islam Vol 10 No 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (792.876 KB)

Abstract

Survey of the Financial Services Authority (OJK) in early 2018 showed sharia financial literacy levels were only 8% based on inclusion rates, for sharia banks themselves reaching highest literacy rates of 6,6% literacy rates and 9% inclusion rates, this was the goal of the banking sharia, of the many obtained in each academic year, must be able to contribute to development of shariah banking literacy levels. Student markets are large for e-commerce and the market. This study looks at the level of financial inclusion of Islamic banking in e-commerce transactions. The instrument test was conducted to test the quality of the instruments used in the study using the classic assumption test, normality test, autocorrelation test, and heteroscedasticity test, the data analysis technique of this study used simple regression analysis. Keywords: Student Literacy Mahasiswa, M-banking Inclusion
STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH PADA AKAD MUDHARABAH DI BANK MUAMALAT INDONESIA SERTA PENGARUHNYA TERHADAP PENURUNAN TINGKAT NON PERFORMING FINANCING (NPF) BANK MUAMALAT INDONESIA Lestari, Nur Melinda; Wati, Setia
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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Abstract

The author conducts the research within the scope of the Troubled Financing Settlement Strategy on Mudharabah Agreement at Bank Muamalat Indonesia. Problem financing is a problem that is very influential on bank soundness and almost occur in some banks, not to mention the Bank Muamalat Indonesia classified as experiencing problematic financing sufficient to the spotlight in the 2014 period of 6.55% and 2015 of 7.11%. Facts prove that in 2016 Bank Muamalat Indonesia able to reduce the level of problem financing to 3.83% and in 2017 to 4.7% thus proving that in fact Bank Muamalat Indonesia able to complete financing problem well in the next year with the strategy of financing problem settlement Bank Muamalat Indonesia conducted in the year 2016. However, the current discourse of Bank Muamalat will be acquired by Minna Padi securities company due to lack of capital faced by Bank Muamalat Indonesia caused by high NPF (Non-Performing Finance) factor, more or less influenced by problematic financing including mudharabah financing. This study aims to determine the strategy of financing settlement on mudharabah contract. The results of this study show that in the handling of customers who experienced problematic financing, Bank Muamalat Indonesia using the strategy, revitalization: rescheduling, reconditioning, restructuring and management assistance, then if the customer is not well-settled then the Settlement is settled through the guarantee, Through BAMUI (Arbitration Board Muamalat Indonesia), and settlement by way of Litigation. The results of this study are expected to provide input to the high NPF (Non-Performing Finance) issues currently facing Bank Muamalat Indonesia and target the NPF to fall to 3%.
STRATEGI PENYELESAIAN PEMBIAYAAN BERMASALAH PADA AKAD MUDHARABAH DI BANK MUAMALAT INDONESIA SERTA PENGARUHNYA TERHADAP PENURUNAN TINGKAT NON PERFORMING FINANCING (NPF) BANK MUAMALAT INDONESIA Lestari, Nur Melinda; Wati, Setia
Ekonomi Islam Vol. 9 No. 1 (2018): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The author conducts the research within the scope of the Troubled Financing Settlement Strategy on Mudharabah Agreement at Bank Muamalat Indonesia. Problem financing is a problem that is very influential on bank soundness and almost occur in some banks, not to mention the Bank Muamalat Indonesia classified as experiencing problematic financing sufficient to the spotlight in the 2014 period of 6.55% and 2015 of 7.11%. Facts prove that in 2016 Bank Muamalat Indonesia able to reduce the level of problem financing to 3.83% and in 2017 to 4.7% thus proving that in fact Bank Muamalat Indonesia able to complete financing problem well in the next year with the strategy of financing problem settlement Bank Muamalat Indonesia conducted in the year 2016. However, the current discourse of Bank Muamalat will be acquired by Minna Padi securities company due to lack of capital faced by Bank Muamalat Indonesia caused by high NPF (Non-Performing Finance) factor, more or less influenced by problematic financing including mudharabah financing. This study aims to determine the strategy of financing settlement on mudharabah contract. The results of this study show that in the handling of customers who experienced problematic financing, Bank Muamalat Indonesia using the strategy, revitalization: rescheduling, reconditioning, restructuring and management assistance, then if the customer is not well-settled then the Settlement is settled through the guarantee, Through BAMUI (Arbitration Board Muamalat Indonesia), and settlement by way of Litigation. The results of this study are expected to provide input to the high NPF (Non-Performing Finance) issues currently facing Bank Muamalat Indonesia and target the NPF to fall to 3%.
Fraud Dalam Implementasi Kartu Pembiayaan Bank Syariah: Tantangan Dan Konstruksi Perlindungan Hukum Bagi Nasabah Lestari, Rossa Amalia; Lestari, Nur Melinda
ISTIKHLAF: Jurnal Ekonomi, Perbankan dan Manajemen Syariah Vol. 7 No. 1 (2025): (Maret 2025)
Publisher : Institut Agama Islam Yasni Bungo Jambi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51311/istikhlaf.v7i1.746

Abstract

Digitalisasi sektor perbankan di Indonesia telah mendorong inovasi layanan keuangan berbasis syariah. Penelitian ini mengkaji fenomena yang terjadi pada kartu pembiayaan syariah dengan fokus pada BSI Hasanah Card sebagai objek penelitian. Sebagai produk pembiayaan berbasis syariah, BSI Hasanah Card dirancang berdasarkan prinsip-prinsip syariah, seperti bebas dari riba, gharar, dan maysir. Meskipun menawarkan berbagai kemudahan dan fleksibilitas, produk ini menghadapi tantangan signifikan terkait penipuan, khususnya dalam proses pengajuan BSI Hasanah Card. Penelitian ini bertujuan untuk menganalisis fenomena penyalahgunaan dan penipuan yang melibatkan data nasabah dan merumuskan kerangka perlindungan hukum yang efektif bagi pengguna BSI Hasanah Card. Penelitian ini menggunakan metode kualitatif-deskriptif dengan menggunakan pendekatan hukum, ekonomi, dan sosial. Data dikumpulkan melalui wawancara, tinjauan regulasi, dan laporan terkait kasus penipuan. Temuan penelitian mengungkapkan bahwa penipuan muncul karena lemahnya pengawasan data nasabah, kurangnya integritas kerja yang mengakar di kalangan karyawan tidak tetap di BSI, dan terbatasnya literasi keuangan pengguna BSI Hasanah Card. Untuk mengatasi masalah tersebut, rekomendasi strategis yang dapat diberikan adalah meningkatkan proses validasi dan verifikasi data, meningkatkan edukasi literasi keuangan, memperkuat pengawasan internal, dan mendorong koordinasi antar otoritas terkait. Dengan langkah-langkah tersebut, BSI Hasanah Card diharapkan dapat menjadi solusi keuangan syariah yang lebih aman dan terpercaya.
Legal Risk Analysis of Micro KUR Products Using Murabahah Bil Wakalah Contracts in Sharia KUR Financing Nisa, Fatika Khairun; Lestari, Nur Melinda
Perisai : Islamic Banking and Finance Journal Vol 9 No 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1765

Abstract

KUR Sharia is one of the financing programs aimed at assisting micro, small, and medium enterprises in Indonesia. KUR Sharia is implemented by Islamic banks with the aim of increasing access to financing for micro, small, and medium enterprises that have not yet been reached by the conventional banking system. This financing product uses Sharia principles, which are expected to provide ease for entrepreneurs with lower interest rates and lighter requirements. This type of financing uses the murabahah bil wakalah contract, which is a sale and purchase system based on wakalah. In this sales system, the seller delegates the purchase to the customer, thus the first contract is the wakalah contract, and after the wakalah contract ends, it is followed by the Murabahah Bil Wakalah contract. This research uses a descriptive qualitative method that gathers information through interviews with employees of Bank Syariah Indonesia X. The results of this study indicate that legal risk arises due to the absence of supportive legislation or weaknesses in obligations, such as the failure to meet the valid contract requirements or the imperfect binding of collateral. This legal risk is closely related to financing risk. The impact on Islamic banks is the emergence of problematic financing, one of which is caused by weaknesses in collateral binding. As a result, Islamic banks face difficulties in executing collateral if financing risks occur. Thus, legal risk and financing risk must be identified, measured, monitored, and managed properly.
Legal Risk Analysis of Micro KUR Products Using Murabahah Bil Wakalah Contracts in Sharia KUR Financing: Analisis Risiko Hukum Produk Mikro KUR Yang Memakai Akad Murabahah Bil Wakalah Pada Pembiayaan KUR Syariah Nisa, Fatika Khairun; Lestari, Nur Melinda
Perisai : Islamic Banking and Finance Journal Vol. 9 No. 1 (2025): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v9i1.1765

Abstract

KUR Sharia is one of the financing programs aimed at assisting micro, small, and medium enterprises in Indonesia. KUR Sharia is implemented by Islamic banks with the aim of increasing access to financing for micro, small, and medium enterprises that have not yet been reached by the conventional banking system. This financing product uses Sharia principles, which are expected to provide ease for entrepreneurs with lower interest rates and lighter requirements. This type of financing uses the murabahah bil wakalah contract, which is a sale and purchase system based on wakalah. In this sales system, the seller delegates the purchase to the customer, thus the first contract is the wakalah contract, and after the wakalah contract ends, it is followed by the Murabahah Bil Wakalah contract. This research uses a descriptive qualitative method that gathers information through interviews with employees of Bank Syariah Indonesia X. The results of this study indicate that legal risk arises due to the absence of supportive legislation or weaknesses in obligations, such as the failure to meet the valid contract requirements or the imperfect binding of collateral. This legal risk is closely related to financing risk. The impact on Islamic banks is the emergence of problematic financing, one of which is caused by weaknesses in collateral binding. As a result, Islamic banks face difficulties in executing collateral if financing risks occur. Thus, legal risk and financing risk must be identified, measured, monitored, and managed properly.
PENGARUH ISLAMIC PERFORMANCE INDEX DAN ISLAMIC SOCIAL REPORTING TERHADAP KINERJA KEUANGAN PADA UNIT USAHA SYARIAH DI INDONESIA Batubara, Nur Habibah; Lestari, Nur Melinda; Amri, Andi
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 1 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i1.13412

Abstract

Islamic Performance Index (IPI), Islamic Social Reporting (ISR) merupakan indikator penting dalam mengukur, melaporkan kinerja sesuai prinsip Islam. IPI membantu mengidentifikasi risiko, peluang yang timbul dari kebijakan, tindakan suatu entitas menggunakan prinsip Islam. Penelitian ini bertujuan untuk mengidentifikasi dampak Islamic Performance Index (IPI) dan Islamic Social Reporting (ISR) terhadap kinerja keuangan unit usaha syariah di Indonesia selama periode 2012-2022. Penelitian ini difokuskan pada unit usaha syariah yang terdaftar di Bursa Efek Indonesia selama periode tersebut, dengan pengambilan sampel menggunakan metode purposive sampling. Analisis dilakukan menggunakan metode regresi berganda. Hasil penelitian menunjukkan bahwa baik IPI maupun ISR memiliki pengaruh yang signifikan terhadap kinerja keuangan unit usaha syariah.
Penyelesaian Sengketa Pembiayaan Bermasalah di Bank Syariah dan Fintech, Perbandingan Perspektif Hukum dan Ekonomi Lestari, Nur Melinda; Kandani, Syifa Aulia; In'amullah, Muhammad; Ali, Ahmad
Jurnal Ilmu Hukum, Humaniora dan Politik Vol. 5 No. 4 (2025): (JIHHP) Jurnal Ilmu Hukum, Humaniora dan Politik
Publisher : Dinasti Review Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/jihhp.v5i4.4577

Abstract

Peminjaman uang melalui lembaga keuangan Bank syariah maupun fintech menjadi kebutuhan masyarakat saat ini, namun kedua Lembaga keuangan tersebut mempunyai karakterisiktik proses, Analisa kredit, dan penyelesaian sengketa yang berbeda namun pinjaman yang akan diberikan oleh lembaga keuangan tentunya tidak terlepas kaitannya dengan risiko kredit atau dalam bank syariah pembiaayaan yang bermasalah bahkan macet. Kasus pembiayaan bermasalah tentunya sangat memerlukan tindakan penyelesaian agar mencegah hal-hal yang dapat merugikan pihak lembaga keuangan maupun nasabah. Tujuan dari penelitian ini, yaitu untuk menganalisa penyelesaian sengketa kredit/pembiayaan bermasalah di Bank syariah dan Fintech. Mengetahui bagaimana perlindungan kepada konsumen yang di lakukan Bank syariah dan Fintech. Teknik pengumpulan data yang digunakan berupa wawancara mendalam, dokumentasi, dan studi pustaka, metode analisis data menggunakan metode deskriptif (kualitatif) grounded research dengan pendekatan hukum dan ekonomi. Hasil penelitian menunjukan bahwa prosedur dalam penyelesaian sengketa pembiayaan bermasalah antara lain dengan pendekatan pesuasif, restrutrukturisasi, negoisasi, dan menagih hutang kepada ahli waris, tahap eksternal melalui debt collector.
PERBANDINGAN IMPLEMENTASI TATA KELOLA KEUANGAN PADA LEMBAGA KEUANGAN SYARIAH NON BANK DI NEGARA THAILAND DAN INDONESIA Fajriyah, Intan Nur; Lestari, Nur Melinda
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.5439

Abstract

Tujuan penelitian ini dilakukan untuk menganalisis perbedaan yang terjadi dalam penerapan tata kelola keuangan berdasarkan prinsip Good Corporate Governance di Negara Thailand dan Indonesia. Serta mengkaji keterkaitan antara tata kelola keuangan dengan literasi dan inklusi keuangan pada lembaga di negara tersebut. Tentu hal ini dilakukan berfokus pada Lembaga Keuangan Syariah (LKS) Non Bank, yaitu Koperasi Syariah Al-Ameen di Thailand dan BMT UMJ di Indonesia, yang mana pada kedua negara tersebut dalam pengawasan Bank of Thailand dan Kementrian Koperasi dan UMKM. Adapun hal yang melatarbelakanginya, Koperasi Syariah Al-Ameen di Thailand mampu bertahan hingga saat ini dan dapat diterima diinfrastruktur masyarakat, walaupun Thailand sangat minoritas dengan jumlah penduduk Muslimnya. Sedangkan BMT UMJ, merupakan salah satu Lembaga Keuangan Syariah (LKS) Non Bank yang berkontribusi dalam meningkatkan pertumbuhan aset IKNB selama 5 tahun terakhir. Peneliti melakukan kajian penelitian ini menggunakan metode penelitian pendekatan kualitatif studi kasus, dengan teknik pengumpulan data sumber primer dan sekunder, melalui wawancara, observasi, dokumentasi, dan rujukan referensi peneliti sebelumnya. Hasil pembahasan menunjukan adanya perbedaan standarisasi prinsip dan kebijakan dalam tata kelola di Thailand dan Indonesia. Bahwa di Thailand memiliki 4 prinsip diantaranya: (1) Bijaksana dan Efisien, (2) Tata Kelola yang Baik, (3) Adil dan Perlindungan Konsumen, dan (4) Kehati-hatian Makro. Sedangkan di Indonesia Prinsip Tata Kelola diantaranya: (1) Transparency, (2) Accountability, (3) Responsibility, (4) Independence, dan (5) Fairness.
PENGARUH TINGKAT LITERASI MAHASISWA PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN PRODUK PERBANKAN SYARIAH DALAM TRANSAKSI E_COMMERCE Lestari, Nur Melinda
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Survey of the Financial Services Authority (OJK) in early 2018 showed sharia financial literacy levels were only 8% based on inclusion rates, for sharia banks themselves reaching highest literacy rates of 6,6% literacy rates and 9% inclusion rates, this was the goal of the banking sharia, of the many obtained in each academic year, must be able to contribute to development of shariah banking literacy levels. Student markets are large for e-commerce and the market. This study looks at the level of financial inclusion of Islamic banking in e-commerce transactions. The instrument test was conducted to test the quality of the instruments used in the study using the classic assumption test, normality test, autocorrelation test, and heteroscedasticity test, the data analysis technique of this study used simple regression analysis. Keywords: Student Literacy Mahasiswa, M-banking Inclusion
Co-Authors Ahmad Ali Amri, Andi Batubara, Nur Habibah Fajriyah, Intan Nur In'amullah, Muhammad Kandani, Syifa Aulia Lestari, Rossa Amalia Nisa, Fatika Khairun Wati, Setia