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All Journal AL-HAYAT: Journal of Biology and Applied Biology Mazinda: Jurnal Akuntansi, Keuangan, dan Bisnis Prosiding Pengabdian Ekonomi dan Keuangan Syariah
Kiptiyah, Kiptiyah
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Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Mathematics

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Implementasi Pembiayaan Murabahah Berdasarkan PSAK No 102 Terhadap Produk Mitraguna di Bank Syariah Indonesia KCP Situbondo Basuki Rahmat Achmad, Achmad; Kiptiyah, Kiptiyah; Zukin, Ach.
Mazinda : Jurnal Akuntansi, Keuangan, dan Bisnis Vol. 2 No. 1 (2024): Mazinda : Jurnal Akuntansi, Keuangan, dan Bisnis
Publisher : Program Studi Akuntansi Syari'ah Universitas Ibrahimy

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35316/mazinda.v1i2.4472

Abstract

Sharia Bank is a financial institution whose main business is providing credit and other services in accordance with sharia principles. Financing based on sharia principles is the provision of money or equivalent bills based on an agreement between the bank and another party and returning the money or bills after a certain period of time with compensation or profit sharing. Sharia banks have provided various conveniences and benefits in offering their facilities to the public so they are interested. One of them is consumer financing. To meet consumer needs, Mitraguna products are financing products that help meet all customer needs for purchasing certain goods. The focus of this research is how to implement the murabahah contract on partner financing products and whether the implementation of the murabahah contract on partner financing products at Bank Syariah Indonesia KCP Situbondo Basuki Rahmat is in accordance with PSAK No. 102.The purpose of this research is to determine the application of the murabahah contract on partner products and to determine the suitability of implementing the murabahah contract on partners at Bank Syariah Indonesia KCP Situbondo Basuki Rahmat based on PSAK No. 102. This type of research is field research using qualitative methods with a descriptive approach. Data obtained through the process of observation, semi-structured interviews and documentation. Then the data obtained is processed through three stages, namely, data reduction, data presentation, and drawing conclusions. Data validity was carried out by testing data credibility and theory triangulation.The results of this research show that the implementation of the murabahah contract on partner products at Bank Syariah Indonesia KCP Situbondo Basuki Rahmat is implementing a sale and purchase contract or murabahah with the type of murabahah without orders. The bank does not have product inventory so it is necessary for the customer to carry out the Mitraguna financing proposal and then the bank will buy the goods or needs that the customer wants. And the implementation of murabahah contracts on partner products is in accordance with PSAK No. 102 at Bank Syariah Indonesia KCP Situbondo Basuki Rahmat, overall regarding the recognition and measurement, presentation and journal disclosure of murabahah transactions for counterparty products is in accordance with PSAK No. 102.
IMPLEMENTASI AKAD WADIAH PADA PRODUK TABUNGAN EASY WADIAH DI BANK SYARIAH INDONESIA (BSI) KCP SAMPANG Ramin, Moh.; Waqiah, Waqiah; Kiptiyah, Kiptiyah
Prosiding Pengabdian Ekonomi dan Keuangan Syariah Vol. 1 No. 2 (2023): Prospeks
Publisher : LP2M IAI AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/pps.v1i2.281

Abstract

Bank Syariah Indonesia adalah salah satu Bank yang beroperasi berdasarkan prinsip syariah yang menawarkan produk penghimpunan dan penyaluran dana, salah satunya adalah produk tabungan Easy Wadiah merupakan salah satu produk yangbanyak di minati nasabah.Easy Wadiah adalah produk tabungan dalam bentuk menyimpan uang seorang nasabah dengan prinsip Wadiah Yad dhamanahdimana uang yang disimpan dapat di tarik dan disetorsetiap saat. Penelitian ini bertujuan untuk mengetahui Implementasi Akad Wadiah Yad Dhamanah Pada Produk Tabungan Easy Wadiah Dalam Menarik Minat Nasabah Di Bank Syariah Indonesia (BSI) KCP Sampang. Dalam penelitian ini menggunakan metode analisis deskriptif kualitatif,dengan cara melakukan studi dokumentatif dan wawancara langsung dengan Costumer Service,dan 3 orang nasabah BSI KCP Sampang. Hasil penelitian ini dapat disimpulkan, yang Pertama: bahwa implementasi akad Wadiah Pada tabungan Easy Wadiah di BSI KCP Sampang Telah diterapkan secara menyeluruh dan dilaksanakan dengan baik sesuai dengan ketentuan syariah ajaran Islam yang berpedoman pada Al-Qur’an dan Hadis, serta ketentuan Fatwa DSN No. 02/DSN-MUI/IV/2000 tentang tabungan yang menggunakan akad Wadiah Yad Dhamanah dalam implementasi produknya. Kedua: hasil analisis SWOT tabungan Easy Wadiah, memperoleh strategi yang cocok untuk diimplementasikan yaitu strategi S-O (strengths-opportunities), yang artinya strategi yang dilakukan dengan cara menggunakan seluruh kekuatan yang berasal dari dalam perusahaan untuk meraih peluang. Strategi S-O yang dapat dilakukan oleh BSI KCP Sampang diantaranya melakukan upaya peningkatan SDM di bidang pemasaran produk, meningkatkan kualitas pelayanan kepada nasabah, memberikan akses kemudahan dan kenyamanan bagi nasabah dalam bertransaksi.
Herpetofauna In the Ledok Ombo Natural Tourism Area, Malang District, East Java Hanifa, Berry Fakhry; Baihaqi, Ahmad Panji; Ahmad, Mujahidin; Kiptiyah, Kiptiyah; Hasyim, Muhammad Asmuni
Al-Hayat: Journal of Biology and Applied Biology Vol. 5 No. 2 (2022)
Publisher : Fakultas Sains dan Teknologi, UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ah.v5i2.13566

Abstract

The purpose of this study was to determine the diversity of herpetofauna in the Ledok Ombo Nature Tourism Area, Malang Regency. Herpetofauna specimens were collected using a Visual Encoumter Survey, Purposive Sampling at 07-11 PM. Specimens were collected 3 times one week apart in March 2022. The data was analyzed using Shannon Weiener Diversity, Pielou Evenness, Margalef Richness, and Simpson Dominance indices. Habitat Characteristic were recorded. Water-air temperature and air humidity were recorded. The results showed 9 species of amphibians (Chalcorana chalconota, Microhyla achatina, Duttaphrynus melanostictus, Phrynoidis aspera, Leptobrachium hasseltii, Odorrana hosii, Rhacoporus reinwardtii, Polypedates leucomystax, Occydozyga lima) and 9 species of reptiles (Cyrtodactylus marmoratus, Hemydactylus frenatus, Gonocephalus kuhlii, Broncochela jubata, Eutropis multifasciata, Pareas carinatus, Ahetulla prasina, Dendrelaphis pictus, Lycodon subcinctus). The index values of diversity, evenness, richness, and dominance are 1,591, 0,088, 3,250, 0,398 respectively. Habitat character affect the composition of herpetofauna. Physical factors value range for water temperature 23 - 24.55°C, air temperature 25.05 - 27.15°C, and air humidity 77.25 - 84.75%.
Herpetofauna In the Ledok Ombo Natural Tourism Area, Malang District, East Java Hanifa, Berry Fakhry; Baihaqi, Ahmad Panji; Ahmad, Mujahidin; Kiptiyah, Kiptiyah; Hasyim, Muhammad Asmuni
Al-Hayat: Journal of Biology and Applied Biology Vol. 5 No. 2 (2022)
Publisher : Fakultas Sains dan Teknologi, UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ah.v5i2.13566

Abstract

The purpose of this study was to determine the diversity of herpetofauna in the Ledok Ombo Nature Tourism Area, Malang Regency. Herpetofauna specimens were collected using a Visual Encoumter Survey, Purposive Sampling at 07-11 PM. Specimens were collected 3 times one week apart in March 2022. The data was analyzed using Shannon Weiener Diversity, Pielou Evenness, Margalef Richness, and Simpson Dominance indices. Habitat Characteristic were recorded. Water-air temperature and air humidity were recorded. The results showed 9 species of amphibians (Chalcorana chalconota, Microhyla achatina, Duttaphrynus melanostictus, Phrynoidis aspera, Leptobrachium hasseltii, Odorrana hosii, Rhacoporus reinwardtii, Polypedates leucomystax, Occydozyga lima) and 9 species of reptiles (Cyrtodactylus marmoratus, Hemydactylus frenatus, Gonocephalus kuhlii, Broncochela jubata, Eutropis multifasciata, Pareas carinatus, Ahetulla prasina, Dendrelaphis pictus, Lycodon subcinctus). The index values of diversity, evenness, richness, and dominance are 1,591, 0,088, 3,250, 0,398 respectively. Habitat character affect the composition of herpetofauna. Physical factors value range for water temperature 23 - 24.55°C, air temperature 25.05 - 27.15°C, and air humidity 77.25 - 84.75%.
Co-Authors Achmad Achmad Baihaqi, Ahmad Panji Baihaqi, Ahmad Panji Berry Fakhry Hanifa Muhammad Asmuni Hasyim Mujahidin Ahmad Ramin, Moh. Waqiah, Waqiah Zukin, Ach.