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All Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Tabarru': Islamic Banking and Finance JURNAL LENTERA BISNIS Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Bisnis Mahasiswa Journal of Indonesian Management Jurnal Multidisiplin West Science Jurnal Bisnis dan Manajemen West Science Sharia Economic and Management Business Journal (SEMBJ) Kenduri: Jurnal Pengabdian Dan Pemberdayaan Masyarakat Joong-Ki BAABU AL-ILMI: Ekonomi dan Perbankan Syariah
Elwardah, Khairiah
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Public Health Social Sciences Other

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Journal : BAABU AL-ILMI: Ekonomi dan Perbankan Syariah

 1 
PENYELESAIAN PEMBIAYAAN BERMASALAH DALAM PRODUK PEMBIAYAAN MURABAHAH (STUDI PADA PT. BPRS MUAMALAT HARKAT SUKARAJA) Elwardah, Khairiah
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 4, No 1 (2019): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v4i1.1859

Abstract

The purpose of this study was to determine the causes of problematic financing that occurred in murabahah financing products and explain the procedure for solving problematic financing in murabahah financing products at PT. BPRS Muamalat Harkat Sukaraja with DSN-MUI Fatwa No: 48 / DSN-MUI / II / 2005 concerning the Rescheduling of Murabahah and Fatwa Bills for the National Sharia Board No: 25 / DSN-MUI / III / 2002 About Rahn. To disclose the matter, researchers use a qualitative approach. Data was obtained through interviews with employees of BPRS Muamalat Harkat in the Finance section and customer service of BPRS Muamalat Harkat Sukaraja. Data is also obtained from brochures of BPRS Muamalat Harkat Sukaraja. The data analysis technique used was the interactive model of Miles and Huberman. The results of the study conclude that the problematic financing that occurred in murabahah financing products at BPRS Muamalat Harkat Sukaraja was caused by a decrease in the level of debitor income. The settlement of problematic financing cases conducted by BPRS Muamalat Harkat Sukaraja is in accordance with the Fatwa of the National Sharia Board No: 48 / DSN-MUI / II / 2005, and the Fatwa of the National Sharia Council No: 25 / DSN-MUI / III / 2002.
PERAN DEWAN PENGAWAS SYARIAH TERHADAP PENETAPAN MARGIN MURABAHAH PADA PT BANK PEMBIAYAAN RAKYAT SYARIAH SAFIR BENGKULU Elwardah, Khairiah; Khayati, Mar’atul
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 3, No 1 (2018): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v3i1.1475

Abstract

The many theories of rejection of margin technique in murabahah financing which is considered to be the same as the practice of fixed interest, are the focus of researcher  to answer the concern and problem about their ability as sharia financing product. Sharia supervisory board\ (DPS) as an extension of the DSN-MUI is known to have the duty and function to oversee the implementation of sharia aspects, including overseeing sharia aspects in the use of margin techniques in murabahah financing products. This study aims to determine the working mechanism of the DPS as well as its role in determining the murabahah margin at PT BPRS Safir Bengkulu. This study uses descriptive qualitative research methods. The results of this study reveal that DPS has carried out a working mechanism by playing a role in the establishment of SRB Safir SOPs and periodic supervision of the implementation of BPRS Safir murabahah financing. DPS did not find any practice of irregularities in sharia aspects in the use of margin techniques on murabahah financing products. It's just that the marketing pattern used by BPRS Safir is to attract the interest of prospective debtor customers, it is known that there is a gap in the indication of the practice of fixed interest so that it needs more attention from DPS to be reviewed again.
Pengaruh Literasi Keuangan Syariah dan Religiusitas Terhadap Perencanaan Keuangan Mahasantri Ma'had Al-Jami'ah UIN FAS Bengkulu Ainurrahmi, Winda; Elwardah, Khairiah; Afrianty, Nonie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 10, No 1 (2025): Islamic economics and banking research
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v10i1.7133

Abstract

Tujuan penelitian ini adalah untuk mengetahui seberapa besar pengaruh literasi keuangan syariah dan religiusitas terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu. Penelitian menggunakan pendekatan kuantitatif dengan teknik pengumpulan data primer berupa angket yang disebarkan kepada 30 orang responden. Teknik analisis data yang digunakan adalah regresi berganda menggunakan program SPSS versi 26. Hasil penelitian ini menunjukkan bahwa literasi keuangan syariah berpengaruh signifikan terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu dengan nilai signifikan sebesar 0,024. Religiusitas berpengaruh signifikan terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu dengan nilai signifikan sebesar 0,027. Secara bersama-sama literasi keuangan syariah dan religiusitas berepengaruh signifikan terhadap perencanaan keuangan mahasantri Ma’had Al-Jami’ah UIN Fatmawati Sukarno Bengkulu dengan nilai signifikan sebesar 0,001.
Co-Authors Adetio Setiawan, Romi Afrianty, Nonie Ainurrahmi, Winda Alfiah, Esti Andriyani, Yulistia Ariska, Nenda Barokah, Rendy Ade Budi Harto Elshifa, Aria Farida Akbarina Febriansyah, Wahyu Hidayat Fitriani , Wina GUNAWAN, YONGKI Hartini, Kustin Imron Natsir, Imron Isnaini, Desi Karlina, Dyana Khayati, Mar’atul Khayati, Mar’atul Lismaryanti, Lismaryanti Maya Kasmita Meliana, Sherin Mendrofa, Syah Abadi Ningsih, Sri Wahyu Novita Sari, Kiki Nurul Hak Nurvadillah, Legi Oktarina, Amimah Palembang, Septianti Permatasari Ramli Semmawi, Ramli Rampasi, Inna Solapari, Nuryati Stiawan, Evan Susandi, Deny Gunawan Syahril Syahril Vindra, Dhef Yulianti, Fuji Sri Yunisyah, Nur Yusniar, Yusniar YUSTATI, HERLINA Zaki, Khozin