Claim Missing Document
Check
Articles

Found 2 Documents
Search

Analisis Praktik Pembiayaan Murabahah Pada Bank Syariah Mandiri Tanjungpinang Kepualauan Riau Sanusi, Makhda Intan; Setiawan, Indra; Aminudin, Agung
LAN TABUR : Jurnal Ekonomi Syariah Vol. 5 No. 1 (2023): September
Publisher : Lembaga Pusat Penelitian dan Pengabdian kepada Masyarakat (LP2M) Institut Agama Islam (IAI) Al-Qodiri Jember, Jawa Timur Indonesia bekerjasama dengan Kopertais Wilayah 4 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lantabur.2023.5.1.1-18

Abstract

Nowadays, there are many financial institutions that adhere to sharia principles, both micro and macro, both in the form of bank and non-bank Islamic financial institutions. These financial institutions have their respective roles and operations. Bank Syari'ah Mandiri (BSM) is a financial institution whose operational system is based on sharia principles which are based on the Al-Qur'an and Hadith. Where the main task is to collect funds from people who have more funds and distribute them to people who need them. Sharia banks also provide services. One of the sharia financial institutions in Tanjungpinang is BSM Tanjungpinang. BSM Tanjungpinang offers several fund distribution products, including muraabahah financing, which is most popular with customers. This research uses qualitative research, namely research procedures that produce descriptive data in the form of words. Data analysis carried out in research uses deductive analysis, namely a method of thinking that begins with theories, postulates and general provisions and then draws specific conclusions. This research results in the conclusion that the pillars and conditions of the muraabahah contract in muraabahah financing at BSM Tanjungpinang have been fully fulfilled and in accordance with sharia provisions. Keyword: Bank Syari’ah Mandiri (BSM), Financial Institutions
Analisis CAR, BOPO, ROA, NPF Terhadap Dana Pihak Ketiga Pada Bank Syariah Indonesia Periode Covid19 Nuriana, Mutia Azizah; Sanusi, Makhda Intan; prastiwi, iin emy
Lisyabab : Jurnal Studi Islam dan Sosial Vol 6 No 1 (2025): Lisyabab, Jurnal Studi Islam dan Sosial
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LPPM) Sekolah Tinggi Agama Islam Mulia Astuti (STAIMAS) Wonogiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58326/jurnallisyabab.v6i1.363

Abstract

Based On The No.10/14 / DPbS this is an explanation and technical guidance from PBI No. 9/19/PBI/2008 dated December 17, 2007 on the implementation of Sharia principles in fund raising and fund distribution activities as well as Islamic Bank services, where this PBI is a refinement / amendment of PBI No. 7/46 / PBI 2006 dated November 14, 2005 on the contract for the collection and distribution of funds for banks that carry out business activities based on Sharia principles. The financial health condition of banking is closely related to third party funds, so the condition of CAR, BOPO, ROA and LDR in Islamic financial institutions has an effect on third party funds. So in this qualitative research method provides answers to how the influence of CAR, BOPO, ROA and LDR on third-party funds. Financial Data that researchers have pulled from ojk financial data throughout Sharia commercial bank institutions from 2019 to 2024 make secondary research techniques. This study used test data analysis techniques using multiple linear regression danuji hypothesis (t test) then the data were analyzed using SPSS version 20. The test results obtained as follows, Based on the results of the analysis in this study, it can be concluded that there is a positive and significant influence between the independent variables (CAR, BOPO,ROA, and NPF) partially to the dependent variable (third party funds).