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All Journal EKONOMIS : Journal of Economics and Business Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Jurnal Manajemen dan Bisnis Jayakarta Jurnal Pembelajaran Pemberdayaan Masyarakat (JP2M) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Fokus Manajemen ProBisnis : Jurnal Manajemen Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Innovative: Journal Of Social Science Research Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Setiawan, Romi Adetio
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Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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ANALISIS KINERJA BANK MUAMALAT INDONESIA (BMI) DENGAN PENDEKATAN SYARIAH MAQSHID INDEX (SMI) WAHYUNI, DEPI PUTRI; SETIAWAN, ROMI ADETIO; MAKMUR, MAKMUR
Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Vol. 5 No. 2 (2025): Desember 2025
Publisher : IAIN BONE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/alkharaj.v5i2.9193

Abstract

This study aims to analyze and evaluate the performance of Bank Muamalat Indonesia (BMI) during the 2019–2023 period using the Sharia Maqasid Index (SMI). The research applies a descriptive quantitative approach with secondary data obtained from BMI’s annual reports. The analysis was conducted using the index number method developed by Mohammed et al. (2008), covering three maqasid shariah dimensions: Tahdzib al-Fard (individual education), Iqamah al-Adl (establishing justice), and Jalb al-Maslahah (realizing welfare). The results reveal that BMI’s performance remains fluctuating, with the highest score in 2022 (0.9210) and a significant decline in 2023 (0.4235). The justice dimension appeared as the strongest, while individual education and welfare showed persistent weaknesses due to the lack of sustainable human resource development, limited zakat and CSR distribution, and insufficient financing for the real sector. These findings indicate that BMI’s implementation of maqasid shariah has not been consistent and requires strategic improvement. The recommended strategies include consistent budget allocation for training and Islamic financial literacy programs, strengthening the role of the Sharia Supervisory Board to enhance transparency in financing, and expanding social contributions through zakat, CSR, and financing in productive sectors such as SMEs and the halal industry. By adopting these measures, Islamic banking is expected to become not only financially competitive but also socially relevant and sustainable.
MEKANISME RESTRUKTURISASI PEMBIAYAAN MURABAHAH UNTUK PEMULIHAN NASABAH BERMASALAH Gustina, Nia; Setiawan, Romi Adetio; Syaifuddin
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 2 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(2).22485

Abstract

Penelitian ini bertujuan untuk mengkaji mekanisme restrukturisasi pembiayaan murabahah dalam upaya pemulihan nasabah bermasalah di PT. BPRS Maslahat Dana Syariah Nusantara Bengkulu. Permasalahan nasabah bermasalah menjadi tantangan serius bagi kelangsungan operasional bank syariah, terutama di tengah tekanan ekonomi yang mempengaruhi kemampuan bayar. Penelitian ini menggunakan pendekatan kualitatif deskriptif dengan teknik pengumpulan data melalui wawancara, observasi, dan dokumentasi. Hasil penelitian menunjukkan bahwa restrukturisasi dilakukan melalui tiga mekanisme utama yaitu penjadwalan kembali (rescheduling), persyaratan kembali (reconditioning), dan penataan kembali (restructuring), yang seluruhnya dilaksanakan berdasarkan prinsip syariah tanpa mengandung unsur riba. Proses restrukturisasi dilakukan secara selektif dengan mempertimbangkan kondisi nasabah dan diawasi oleh Dewan Pengawas Syariah. Tantangan yang dihadapi bank mencakup kurangnya pemahaman nasabah, dampak ekonomi yang mempengaruhi kemampuan bayar, serta risiko moral hazard. Untuk mengatasi tantangan tersebut, bank menerapkan seleksi ketat, memberikan edukasi kepada nasabah, dan melakukan pemantauan pasca restrukturisasi guna memastikan efektivitas dan keberlanjutan program restrukturisasi.  
Co-Authors AA Sudharmawan, AA Afrianty, Nonie Aminuyati Anggraini, Septi Arief, Muhammad Ariska, Nenda Aten, Nurul Aulia, Titi Chatarina Umbul Wahyuni Dalimunthe, Lisnawati Debby Arisandi, Debby Gustina, Nia Hadi, Kartika Candra Kirana Hanif, Padlim Hanipah, Mei Alfiani Hasibuan, Helvina Samaria Indra, Yetti Afrida Kaemah, Tolan Kurniyasih, Binda Makmur Makmur Makmur Miko Polindi, Miko Mulya Rasyid, Leonardo Duarsie Nabila, Tasya Nurjana, Tia Anisa Nurwijayanti Ramadhani, Astri Windi Restu Mufanti, Restu Ricardo, Rado Saputra, Wahyu Agung Selpi, Selpi Stiawan, Evan Sumarni, Yenti Syaifuddin Syaifuddin Syaifuddin WAHYUNI, DEPI PUTRI WULANDARI YUSTATI, HERLINA Zaki, Khozin