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All Journal MUQTASID EQUILIBRIUM I-ECONOMICS: A Research Journal on Islamic Economics Journal of Digital Marketing and Halal Industry Asian Management and Business Review Invest Journal of Sharia & Economic Law Journal of Islamic Economics, Management, and Business (JIEMB) Journal of Accounting and Digital Finance Journal of Management and Digital Business Penamas: Journal of Community Service Muslim Education Review Muslim Business and Economic Review Jurnal Keuangan dan Perbankan Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Arna Asna Annisa
Sekolah Tinggi Agama Islam Negeri (STAIN) salatiga
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Health Professions Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : MUQTASID

 1 
Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga Annisa, Arna Asna
MUQTASID Vol 4, No 2 (2013): Muqtasid
Publisher : STAIN Salatiga

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

Abstract

This thesis is entitled Selling Price Regulation of Murabahah Product Case Study: BMT RAMA Salatiga. The objectives of this research are to describe 1) the execution of murabahah transaction at BMT RAMA Salatiga, 2) the method in deciding and applying the selling price of murabahah product, and 3) the policy of BMT on conducting its business based on Islamic principles. This research applied descriptive qualitative design and was conducted based on normative-juridical approach. The subjects of the research were the manager of BMT RAMA Salatiga and the costumers of BMT RAMA who were involved in murabahah transactions. The results show that the execution of murabahah transaction has not been applied well. Basically, wakalah aqad should place the costumer as the representative of BMT to get goods before the aqad is signed. It is applied in order to prevent gharar and to draw a distinction between syariah and conventional banking. In regulating its funding product BMT RAMA considers some components such as risks of fund, cost of fund, operational cost, annual profit target, annual funding target, and competition rates. However, the cost of fund component has the consequence of interests which need to be considered in determining murabahah margin. This consequence is absolutely inapropriate with MUI instruction no. 1 year 2004, which forbids interests because of its belonging to riba. Unfortunately, the DPS assistance is still insufficient on this matter.
Penetapan Harga Jual Produk Murabahah Studi Kasus di BMT Rama Salatiga Annisa, Arna Asna
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 2 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v4i2.239-266

Abstract

This thesis is entitled Selling Price Regulation of Murabahah Product Case Study: BMT RAMA Salatiga. The objectives of this research are to describe 1) the execution of murabahah transaction at BMT RAMA Salatiga, 2) the method in deciding and applying the selling price of murabahah product, and 3) the policy of BMT on conducting its business based on Islamic principles. This research applied descriptive qualitative design and was conducted based on normative-juridical approach. The subjects of the research were the manager of BMT RAMA Salatiga and the costumers of BMT RAMA who were involved in murabahah transactions. The results show that the execution of murabahah transaction has not been applied well. Basically, wakalah aqad should place the costumer as the representative of BMT to get goods before the aqad is signed. It is applied in order to prevent gharar and to draw a distinction between syariah and conventional banking. In regulating its funding product BMT RAMA considers some components such as risks of fund, cost of fund, operational cost, annual profit target, annual funding target, and competition rates. However, the cost of fund component has the consequence of interests which need to be considered in determining murabahah margin. This consequence is absolutely inapropriate with MUI instruction no. 1 year 2004, which forbids interests because of its belonging to riba. Unfortunately, the DPS assistance is still insufficient on this matter.
Menilik Urgensi Penerapan Pembiayaan Akad Salam pada Bidang Pertanian di Lembaga Keuangan Syariah di Indonesia Widiana, Widiana; Annisa, Arna Asna
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 8, No 2 (2017): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v8i2.88-101

Abstract

The financing of salam covenant is one of sharia banking products that can be used in the field of agriculture, but this has not been used in sharia financial institutions in Indonesia. Covenant of salam has strategic potential for agricultural development. This paper aims to illustrate the potential of using salam covenant in financing which is conducted by customer and how the challenges of implementation of salam  covenant in Islamic financial institutions. This is a descriptive qualitative research. In Indonesia, both Islamic banking and Baitul Maal Wattamwil have not applied this contract, related to some risks from salam financing. Sharia financial institutions needs a strategy in order to feel the benefits of providing salam. This article describes the practice of financing system of profitable covenant agreement for the sharia financial institution and the community. The research finding showed that by optimizing salam covenant financing, it can give positive impact to farmers that is in capital aspect to develop agricultural product. Pembiayaan akad salam merupakan salah satu produk perbankan syariah yang dapat digunakan dalam bidang pertanian, namun hal ini belum digunakan dalamLembaga Keuangan Syariah (LKS) di Indonesia. Akad salam memiliki potensistrategis terhadap pengembangan bidang pertanian. Penelitian ini bertujuan untuk menggambarkan potensi penggunaan akad salam dalam pembiayaan yang dilakukan oleh nasabah dan bagaimana tantangan atas penerapan pembiayaan akad salam di lembaga keuangan syariah. Tulisan ini berpijak pada penelitian kualitatif dengan metode deskriptif analisis dari berbagai literatur. Di Indonesia, baik perbankan syariah maupun Baitul Maal Wattamwil (BMT) belum menerapkan akad ini, terkait beberapa risiko dari pembiayaan salam. Lembaga keuangan syariah membutuhkan strategi agar dapat merasakan keuntungan dari penyediaan produk salam. Dalam tulisan ini dijelaskan praktik sistem pembiayaan akad salam yang menguntungkan bagi lembaga keuangan syariah dan masyarakat. Hasil yang diperoleh menunjukkan bahwa dengan optimalisasi pembiayaan akad salam dapat memberikan dampak positif terhadap para petani yaitu pada aspek permodalan untuk mengembangkan produk pertanian 
Co-Authors Agustin, Isni Damayanti, Aninda Eva Riri Indah Fitriyani, Arum Teguh Galuh Tri Pambekti Hariyanti, Anik Hartiningsih, Sepia Indriyani, Fany Iskandar Iskandar Kuswandarini, Krisna Issri Lestari, Irna Puji Lisdiani, Nur Linna Isti Nadila, Dian Luthvita Novitasari, Aditya Ayuk Puspita, Rosana Eri Rahmawati, Fatimah Rofiuddin, Mohammad Sari, Deny Kurnia SITI KHOLIFAH solika, siti lina Widiana, Widiana