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All Journal JSEH (Jurnal Sosial Ekonomi dan Humaniora) Tangible Journal
Saputra, Reza Eka
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Humanities Economics, Econometrics & Finance Education Environmental Science Neuroscience Social Sciences Other

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Social Accounting; Tendensi Kemaslahatan Publik dibalik Kenaikan Tarif BPJS Kesehatan di Indonesia Majid, Jamaluddin; Saputra, Reza Eka
JURNAL SOSIAL EKONOMI DAN HUMANIORA Vol 6, No 1 (2020): JURNAL SOSIAL EKONOMI DAN HUMANIORA
Publisher : LPPM Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/jseh.v6i1.74

Abstract

Public needs about healthness rights has been usually ignored by the regulation that’s truly not being pro of people. Doubled rate increase of BPJS-Kesehatan is the one that properly will given a social effort for the people. According to the case, this study aims to know the tendention of rate increase of BPJS Kesehatan related to public needs. This article is a qualitative research with interpretive approach that try to study about problem or social issues with indepth-detail purpose. Literatur study have applied to collate the data and information. To keep the quality of data, source of data and theory of triangulation used in this study before make final results. The result show that rate increased of BPJS Kesehatan has been given a social effort like economic problem because the increase not following by income growth of peoples. In the other side, this regulary will broke the public rights if there is noy following by a prime service. Government have to make a good analysis with social accounting points as the relevance and reliable policys purpose.
Tantangan Pembiayaan Murabahah Konsumtif pada Bank Syariah Indonesia Saputra, Reza Eka; Arsyad, Kamaruddin; Possumah, Bayu Taufiq; Majid, Jamaluddin; Wawo, Andi
Tangible Journal Vol. 10 No. 2 (2025): Vol. 10 No. 2, Desember 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) STIE Tri Dharma Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/tangible.v10i2.707

Abstract

This study aims to analyze the challenges of consumptive murabahah financing contracts in Islamic Banks in Indonesia. Using a qualitative library research approach, the study relies on secondary data collected through Google Scholar searches supported by the Publish or Perish (PoP) software with the keyword “Murabahah Financing in Islamic Banks in Indonesia 2020–2025.” Only journal articles were used as data sources. From 29 relevant references, seven specifically examined Bank Syariah Indonesia (BSI). All collected data were compiled, analyzed, and interpreted to formulate a literature-based conclusion. The findings reveal that murabahah is the most dominant consumptive financing product at BSI in terms of user interest and transaction volume. Its popularity is driven by its simplicity, margin certainty, and lower risk of default. In practice, murabahah bil wakalah is widely implemented, creating an impression similar to conventional credit schemes. Although BSI’s implementation complies with PSAK 102 and DSN–MUI fatwas, several challenges remain, particularly customers’ limited understanding of contract mechanisms, lack of transparency in margin determination, and the potential financial burden borne by customers.
Co-Authors Andi Wawo Arsyad, Kamaruddin Bayu Taufiq Possumah, Bayu Taufiq Jamaluddin Majid