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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Uqud : Journal of Islamic Economics MALIA JURNAL MANAJEMEN BISNIS JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Populer: Jurnal Penelitian Mahasiswa Jurnal Mutiara Ilmu Akuntansi Jurnal Akuntan Publik IIJSE Journal of Islamic Economics and Finance Moneter : Jurnal Ekonomi dan Keuangan El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Ekonomics, Finance, and Management Studies
Muhammad Yafiz
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Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Library & Information Science Social Sciences Other

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Analysis of the Claim Process Mechanism for Kafalah Financing Products in Mortgage Housing Liquidity Facilities (FLPP) at PT. Jamkrindo Sharia Medan Branch Rima Rizki Syahputri; Muhammad Yafiz
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3356

Abstract

KPR Sejahtera in the form of a Housing Financing Liquidity Facility or FLPP is one of the KPRs provided by banks. FLPP is a form of joint ownership of credit between public housing that has low interest rates and small monthly payments over the credit term. Here a third party is needed to provide guarantees for the security and protection of the house that has been credited, namely insurance, one of which is PT Jamkrindo Syariah. Kafalah Financing Prosperous Houses with Housing Finance Liquidity Facility (FLPP) is one of the products provided by PT. Guarantee Jamkrindo Syariah. The mechanism by which the Bank sends guarantee claims to Jamsyar is a matter that needs to be discussed. The purpose of this research is to find out how to submit a bank financing guarantee claim to Jamsyar. This research is a descriptive qualitative research using interview and documentation data collection methods. Sources of data received through literature studies and interviews. Based on the results of research at the Medan branch of PT Jamkrindo Syariah, the procedures that must be carried out by the Bank before submitting a claim are as follows: First, the bank conducts an analysis to determine whether the customer's financing is included in collectibility 4 or the category is doubtful. Second, the claim submission letter and supporting documents must be sent by the Bank to Jamsyar no later than 2 (two) months after the claim right is realized. Third, Jamsyar will review the claim submission file after receiving all the data or documents needed to submit a claim and ensure that all requirements are met, if the risk of loss of financing that occurs is included in the guaranteed risk, the guarantor must give approval and carry out claim payments.
Financial Performance Analysis of PT. Bank Syariah Indonesia (BSI) for the 2021-2022 Period Using the Camel Method Sariati Nasution; Muhammad Yafiz; Tuti Anggraini
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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Abstract

The purpose of this research is to analyze the financial performance of PT. Bank Syariah Indonesia for the 2021-2022 period using the CAMEL method. This study uses descriptive quantitative methods and uses secondary data. The results of this study are that in 2021 CAR PT. Bank Syariah Indonesia is in the range of 22.09% and in 2022 CAR PT. Bank Syariah Indonesia is in the range of 20.29%. In general, in 2021 and 2022 the CAR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 the KAP ratio of PT. Bank Syariah Indonesia is in the range of 0.015% and in 2022 the ratio of KAP PT. Bank Syariah Indonesia is in the range of 0.045%. In general, in 2021 and 2022 the KAP value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 NPF of PT. Bank Syariah Indonesia is in the range of 0.87% and in 2022 the NPF of PT. Bank Syariah Indonesia is in the range of 0.57%. In general, in 2021 and 2022 the NPF value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 ROA PT. Bank Syariah Indonesia is in the range of 1.61% and in 2022 PT. Bank Syariah Indonesia is in the range of 1.98%. In general, in 2021 and 2022 the ROA value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia. In 2021 FDR PT. Bank Syariah Indonesia is in the range of 73.39% and in 2022 FDR PT. Bank Syariah Indonesia is in the range of 79.37%. In general, in 2021 and 2022 the FDR value of PT. Bank Syariah Indonesia is classified as healthy because it meets the standards set by Bank Indonesia.
Islamic Boarding School Economic Business Models in Improving Teacher Welfare in Deli Serdang Dina Marni; Muhammad Yafiz; Musthapa Kamal Rokan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 2 (2023): Sharia Economic: July, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i2.3809

Abstract

The purpose of this research is to find out the economic business model of Islamic boarding schools in Deli Serdang Regency, to analyze the role of Islamic boarding school economic businesses in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency, and to analyze the supporting and inhibiting factors of Islamic boarding school economics in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency. The research approach is qualitative research. The location of this research is in Deli Serdang Regency, North Sumatra province. Researchers visited 4 Islamic boarding schools in Deli Serdang and determined 4 Islamic boarding schools that had the highest number of students or female students. The stages carried out by researchers in data analysis are as follows: Gathering information, selecting and reducing data, presenting data, and drawing conclusions and suggestions. Islamic boarding schools’ economic business capital consists of two types, some capital comes from Islamic boarding schools and some comes from the shares of employees and teachers under the auspices of cooperatives, so the management is divided into two, namely: businesses managed by Islamic boarding schools and businesses managed by employee and teacher cooperatives. For businesses managed by Islamic boarding schools, especially at Islamic boarding schools, teachers are given access to deposit merchandise at Islamic boarding schools. For every business that is managed by the cooperative, members and teachers who own shares will get profit sharing every year. Businesses managed by cooperatives are supported by facilities from Islamic boarding schools so profits are also shared between Islamic boarding schools or foundations. Keywords: Business Model, Islamic Boarding School Economics, Teacher Welfare The purpose of this research is to find out the economic business model of Islamic boarding schools in Deli Serdang Regency, to analyze the role of Islamic boarding school economic businesses in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency, and to analyze the supporting and inhibiting factors of Islamic boarding school economics in improving the welfare of Islamic boarding school teaching staff in Deli Serdang Regency. The research approach is qualitative research. The location of this research is in Deli Serdang Regency, North Sumatra province. Researchers visited 4 Islamic boarding schools in Deli Serdang and determined 4 Islamic boarding schools that had the highest number of students or female students. The stages carried out by researchers in data analysis are as follows: Gathering information, selecting and reducing data, presenting data, and drawing conclusions and suggestions. Islamic boarding schools’ economic business capital consists of two types, some capital comes from Islamic boarding schools and some comes from the shares of employees and teachers under the auspices of cooperatives, so the management is divided into two, namely: businesses managed by Islamic boarding schools and businesses managed by employee and teacher cooperatives. For businesses managed by Islamic boarding schools, especially at Islamic boarding schools, teachers are given access to deposit merchandise at Islamic boarding schools. For every business that is managed by the cooperative, members and teachers who own shares will get profit sharing every year. Businesses managed by cooperatives are supported by facilities from Islamic boarding schools so profits are also shared between Islamic boarding schools or foundations.
Co-Authors Adriansyah Hidayat Arifin Fauzi Lubis Arnida Wahyuni Lubis Azura Rizti Saladin Bintang Akbar Azhari Budi Hariyanto Dina Marni Hadi Mubarok Harahap, Muhammad Ikhsan Indah Apriyani Nasution Indah Ivanka Isna Khairani Juwita Dewi Br Pohan M Reyza Syuhada Mawaddah Irham Muhammad Syahbudi Musthapa Kamal Rokan Nadra Khalizah Siregar Nasution, Juliana NUR AHMADI BI RAHMANI Nur Fadhilah Ahmad Hasibuan Nurhasanah Siregar . Nurhayati Nurul Aflah Harahap Rahima Kumala Rahmi Syahriza Rima Rizki Syahputri Safrida Safrida Sariati Nasution Syahirah Syahirah Tuti Anggraini