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All Journal Jurnal Paradigma Ekonomika Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-ECONOMICS: A Research Journal on Islamic Economics Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam Tadbir : Jurnal Studi Manajemen Pendidikan Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SEIKO : Journal of Management & Business Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies GEMA EKONOMI JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam SULTANIST: Jurnal Manajemen dan Keuangan JURNAL EKSBIS International Journal of Economics, Business and Accounting Research (IJEBAR) Jurnal Socius: Journal of Sociology Research and Education Dinasti International Journal of Education Management and Social Science Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Ilomata International Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Academia Open LEGAL BRIEF Accounting and Business Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Quantitative Economics and Management Studies Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Economics, Business and Management Science Journal Golden Ratio of Marketing and Applied Psychology of Business Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Studi Akuntansi, Keuangan, dan Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Akuntansi Manado (JAIM) e-Jurnal Apresiasi Ekonomi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting IIJSE Jurnal Akuntansi dan Keuangan Islam (JAKIs) Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Indonesian Journal of Humanities and Social Sciences Landraad Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran
Tuti Anggraini
Technology of Agricultural Product Faculty Agriculture Technology Kampus Limau Manis Andalas University, 25163 Padang West Sumatra Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

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Penerapan Prinsip Syar'u Man Qablana dan Bara'ah al-Ashliyah Dalam Perbankan Syariah Lubis, Ismul Fakhri; Asmuni, Asmuni; Anggraini, Tuti
Jurnal Iqtisaduna Vol 9 No 2 (2023)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v9i2.42325

Abstract

This research reviews the key principles of Islamic banking, namely shari'u man qablana and bara'ah al-ashliyah. The concept of shar'u man qablana emphasizes adherence to Islamic law that dates back to the time of the Prophet Muhammad, ensuring that every banking transaction and product follows religious principles. In contrast, bara'ah al-ashliyah gives freedom to financial transactions, protecting individuals and businesses from unauthorized liability, unless there is evidence to support the claim. To review this study, researchers used qualitative research methods with secondary data sources. In the context of Islamic banking, shar'u man qablana leads to the prohibition of usury and the principle of justice, creating products and services that are ethical and in accordance with Islamic law. Bara'ah al-ashliyah provides financial security, ensuring that customers are only liable for legitimate and agreed transactions. This research highlights the positive impact of implementing these two principles. In addition, these principles create a fair and ethical business environment, build customer trust, and strengthen Islamic banking's contribution to the development of an equitable society. These principles pave the way for ethical and transparent product innovation, ensuring that Islamic banking remains relevant and trusted in an ethical global economy.
THE EFFECT OF THIRD PARTY FUNDS, INFLATION AND MARGIN RATE ON MURABAHAH FINANCING AT ISLAMIC BANK Hayady, Roza; Anggraini, Tuti; Daulay, Aqwa Naser
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14396

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Dana Pihak Ketiga, Inflasi dan Margin Rate terhadap Pembiayaan Murabahah pada Bank Umum Syariah baik secara parsial maupun simultan. Penelitian ini menggunakan metode kuantitatif dengan pengumpulan data menggunakan metode skala likert. Dalam penelitian ini yang menjadi variabel independen adalah Dana Pihak Ketiga (X1), Inflasi (X2) dan Margin (X3) dan variabel dependennya adalah Pembiayaan Murabahah (Pembiayaan Koperasi kepada Anggota) (Y). Teknik analisis data melalui program IBM SPSS statistik 26, uji asumsi klasik. Hasil penelitian ini menunjukkan bahwa terdapat pengaruh positif signifikan Dana Pihak Ketiga, Inflasi, Margin Rate terhadap Pembiayaan Murabahah pada akad murabahah di Bank Umum Syariah.
THE INFLUENCE OF INTELLECTUAL CAPITAL AND ISLAMIC SOCIAL REPORTING ON THE FINANCIAL PERFORMANCE OF ISLAMIC COMMERCIAL BANKS IN INDONESIA Atika, Febri; Syahriza, Rahmi; Anggraini, Tuti
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 2 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(2).14422

Abstract

Penelitian ini bertujuan untuk menguji secara empiris pengaruh variabel Intellectual Capital dan Islamic Social Reporting (ISR) terhadap Kinerja Keuangan Bank Umum Syariah di Indonesia. Dalam penelitian ini, penulis menggunakan jenis penelitian yang bersifat kuantitatif. Data yang digunakan berupa laporan tahunan (annual report) 2018-2021 yang juga memuat pengungkapan pertanggung jawaban sosialnya. Populasi dalam penelitian ini adalah perusahaan perbankan syariah Bank Umum Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) pada tahun 2018-2021. Pemilihan sampel dari penelitian ini dilakukan dengan menggunakan teknik purposive sampling, maka sampel dalam penelitian ini 9 Bank Umum Syariah dengan periode 4 tahun dengan total sampel sebesar 36. Adapun bank yang menjadi objek penelitian ini adalah bank BCA Syariah, bank BJB Syariah, bank BSI Syariah, bank BTPN Syariah, bank BUKOPIN Syariah, bank MAYBANK Syariah, bank MEGA Syariah, bank MUAMALAT Indonesia dan bank PANIN Syariah. Intellectual Capital dan Ukuran Perusahaan berpengaruh terhadap Kinerja Keuangan (Return on Assets) Perbankan Syariah di Indonesia 2018-2021. Dan Islamic Social Reporting (ISR) tidak berpengaruh terhadap Kinerja Keuangan (Return on Assets) Perbankan Syariah.
PENGARUH TINGKAT BAGI HASIL, FINANCING TO DEPOSIT RATIO (FDR) DAN INFLASI TERHADAP DEPOSITO MUDHARABAH PERBANKAN SYARIAH Amanda, Feby Aulia; Yafiz, Muhammad; Anggraini, Tuti
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16318

Abstract

Tujuan penelitian ini untuk mengetahui pengaruh Tingkat Bagi Hasil, Inflasi dan Financing to Deposit Ratio (FDR) terhadap Deposito Mudharabah Perbankan Syariah. Ketertarikan masyarakat untuk menginvestasikan dananya sebagai pihak ketiga merupakan faktor yang berperan penting dalam perkembangan bank syariah, salah satunya deposito. Penelitian ini menggunakan data sekunder berupa laporan keuangan BUS yang dipublikasi pada website Bank Indonesia (BI). Sampel pada penelitian ini sebanyak 14 Bank Umum Syariah (BUS) yang mempublikasi laporan keuangannya pada Bank Indonesia pada periode 2020-2021. Analisis dalam penelitian ini menggunakan analisis regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel jumlah bagi hasil bank syariah berpengaruh signifikan terhadap deposito mudharabah. Variabel FDR berpengaruh tidak signifikan terhadap deposito perbankan. Sedangkan variabel inflasi berpengaruh tidak signifikan terhadap deposito perbankan.
Mutanaqishah Musyarakah Contract: A Solution To Infrastructure Investment Syndication Financing zulfikar, Zulfikar; Asmuni, Asmuni; Anggraini, Tuti
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 13, No 2 (2023)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2023.13(2).325-341

Abstract

This study aims to find an alternative in business activities in Islamic financial institutions, especially in Islamic banking, where when the use of a single contract in a business contract occurs, it still creates weaknesses in the process of cooperation between the customer and the bank. So that it needs to be analyzed further the use of a single contract in a business contract for long-term financing is still relevant for business purposes. This single contract in financing is in great demand by Islamic financial institutions because it is simple and simple in business activities, and of course, it can provide certainty of future income, what we often know is natural certainty contracts. However, along the way, cooperation in natural certainty contracts is not always suitable for long-term financing and the needs of large projects. This research also looks at the phenomenon of problems that occur in the cooperation of a single contract, one of which is the Murabaha contract. Due to this problem, Islamic banks have started to implement the use of multiple contracts or hybrid contracts in long-term investment financing cooperation, especially in the infrastructure sector, because the nature of business contracts is more flexible, can be reviewed, and provides the principle of fairness
Pengaruh Persepsi Nasabah Dan Keunggulan Produk Terhadap Kepuasan Nasabah Pada Produk Cicil Emas BSI Kc Kuta Cane Ritonga, Vera Ayu Ningsih; Marliyah, Marliyah; Anggraini, Tuti
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 1 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh persepsi nasabah dan keunggulan produk terhadap kepuasan nasabah produk cicil emas pada BSI KC Kuta Cane. Penelitian ini adalah penelitian kuantitatif dengan metode survey dengan penyebaran kuesioner sebagai instrumen. Responden dalam penelitian ini adalah masyarakat Kuta Cane. Proses pengambilan sampel menggunakan probability sampling. Teknik analisis data yang digunakan menggunakan SPSS. Hasil penelitian ini menunjukkan bahwa persepsi nasabah dan keunggulan produk secara parsial berpengaruh positif dan signifikan terhadap kepuasan nasabah produk cicil emas pada BSI KC Kuta Cane.
Analisis Strategi Pemasaran Pembiayaan Murabahah Pada Produk KPR Hijrah Dalam Meningkatkan Jumlah Nasabah Sari, Reni Ilma; Anggraini, Tuti; Irham, Mawaddah
Jurnal Paradigma Ekonomika Vol. 19 No. 2 (2024): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Hijrah products in increasing the number of customers. The method used in this study is a descriptive qualitative method. Data collection techniques used by observation, interviews and documents related to the study, then the data is classified according to the topic of the problem discussed. This study reveals events or phenomena that occurred when the research took place at Bank Muamalat KCP Stabat. The results of this study indicate that the marketing strategy for KPR Hijrah products at Bank Muamalat KCP Stabat is in accordance with the aspects that have been determined by Bank Muamalat KCP Stabat such as segmentation, targeting and positioning. Where in this marketing strategy,the KPR product, price, promotion, place, person, physical evidence to influence consumer decisions to buy and use the products and services offered. As for the murabahah financing agreement for KPR Hijrah home ownership at Bank Muamalat KCP Stabat, it really helps the community in choosing KPR Hijrah products at Bank Muamalat KCP Stabat.
Pengaruh Pembiayaan Mudharabah, Musyarakah, dan Ijarah Terhadap Net Profit Bank Syariah Indonesia (Periode 2021-2023) The Effect of Mudharabah, Musyarakah, and Ijarah Financing on Net Profit of Bank Syariah Indonesia (2021-2023 Period) Sari, Riska Dwi; Anggraini, Tuti; Syakir, Ahmad
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 13 No 1 (2024): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v13i1.11425

Abstract

This study examines the impact of Mudharabah, Musyarakah, and Ijarah financing on Bank Syariah Indonesia's net profit from 2021-2023. Using a quantitative approach and secondary data from the bank's monthly reports (2020-2023), multiple linear regression analysis was performed with Eviews 12 software. Results indicate that Mudharabah financing does not affect net profit, while Musyarakah financing does, and Ijarah financing does not. Collectively, these financings significantly influence the net profit, accounting for 50.4% of the variation, with the remaining 49.6% due to other factors.
SETTLEMENT OF PROBLEM FINANCING THROUGH THE EXECUTION OF MORTGAGE AUCTIONS AT THE STATE WEALTH AND AUCTION SERVICE OFFICE AT BANK ACEH SYARIAH SISINGAMANGARAJA BRANCH OFFICE Aulia, Nafra; Anggraini, Tuti; Syakir, Ahmad
I-Economics Vol 10 No 2 (2024): I-ECONOMICS: A Research Journal on Islamic Economics
Publisher : Islamic Economics Program, Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ieconomics.v10i2.23634

Abstract

The decline in the customer's business triggers non-performing financing where the customer is not good at managing his business so that he cannot fulfill his obligations to pay existing financing, and the lack of prudence in analyzing customer data is also a negligence for the bank so that it increases the amount of non-performing financing every year. This research was conducted in order to find out what factors cause non-performing financing, and how the settlement strategy is in bank aceh syariah. This research uses a descriptive qualitative research method with a case study approach to gain an in-depth understanding of the case under study, namely the settlement of problematic financing in a mortgage auction through KPKNL. While the data source of this research uses primary data, namely those obtained during interviews and observation activities to related informants, while secondary data is in the form of documents and previous literature. The results of the study found that the factors causing problematic financing are internal factors, namely the bank itself, and external factors that exist in the customer service. And the settlement carried out by Bank Aceh Syariah is by deliberation, billing, rescheduling, re-requirement, rearrangement, and execution of collateral.
Harta Benda (Al-Maal) dalam Fiqih Muamalah Rahmah, Nuzulliah; Asmuni; Anggraini, Tuti
Rayah Al-Islam Vol 8 No 3 (2024): Rayah Al Islam Agustus 2024
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/rais.v8i3.1025

Abstract

Studi ini bertujuan untuk mengetahui makna harta dan ruang lingkupnya, pembagian harta dan jenis-jenisnya, fungsi harta, dasar-dasar kepemilikan, serta posisi harta dalam maqashid syariah. Metode penelitian ini menggabungkan data dari penelitian sebelumnya dan teori-teori yang relevan dengan subjek tersebut. Hasilnya adalah harta memiliki nilai dan bentuk nyata yang disukai manusia, dapat dimiliki, disimpan, dan digunakan secara sah menurut syariah untuk berbagai tujuan seperti bisnis, pinjaman, dan konsumsi. Allah sebagai pemilik sejati harta memberikan pedoman untuk kemaslahatan umat manusia, yang mencakup pemeliharaan lima tujuan dasar. Studi ini hanya mengkaji definisi harta dan jenis-jenisnya, pembagian harta dan jenis-jenisnya, tujuan harta dan dasar kepemilikannya, serta posisinya dalam maqashid syariah. Studi ini sangat berguna untuk penelitian tambahan, terutama yang terkait dengan definisi harta dan ruang lingkupnya, pembagian harta dan jenis-jenisnya, fungsi harta, prinsip kepemilikan, serta posisinya dalam maqashid syariah.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Alfarezzi, Ahmad Alfian, Ian ian Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Anfa, Sugianto Aqwa Naser Daulay Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni Asmuni Atika, Febri Aulia, Nafra Ayunda, Afrila Azahar Siregar, Rahmat Azzahra, Annisa Aulia Bayani, Luthfiah Nur Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Dalimunthe, Maya Oktavia Dewi, Cindy Kumala Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Febriani, Gymnasti Fili, Nada Sausan Adha Fransiska, Silvia Hafizah, Raisya Hamdiah, Vidairotul Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hayady, Roza Herlina Herlina Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Ira Purnama Irham, Mawaddah Irmayani Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khoiriaturrahmah, Miftah Laylan Syafina Lestari, Aprilia Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari M Nawawi, Zuhrinal Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Multa Nasution, Darwin Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nasution, Aida Fitri Nasution, Juliana Nasution, Muhammad Irwan Padli nasution, Muhammad Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurbaiti Nurbaiti Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Prabowo, agus P Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy Putri, Sri Eka Qarni, Waizul Qodriyah, Nurul Ni'mah Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmadhani, Anisa Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rangkuti, Ririn Anjani Restu Tanjung, Dwi Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Rizqiyah, Anisah Salsabila, Raisya Sandi, Muhammad Santi Arafah Saparuddin Siregar Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Siregar, Tetty Handayani Situmorang, Harudini Nizar Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Vanessa Vanessa Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar