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All Journal At-Tauzi: Jurnal Ekonomi Islam Jurnal Manajemen dan Penelitian Akuntansi (JUMPA)
Nuhbatul Basyariah
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Humanities Economics, Econometrics & Finance Social Sciences

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Telaah Kritis Implementasi Akad Musyarakah pada Bank Muamalat Indonesia Cabang Yogyakarta Perspektif Fikih Syekh Taqi Usmani Nuhbatul Basyariah
At-Tauzi : Jurnal Ekonomi Islam Vol 13 No 2 (2015): Vol 13 / Desember 2015
Publisher : Pusat Studi Ekonomi Islam Sekolah Tinggi Ekonomi Islam Hamfara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (249.896 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui gambaran implementasi akad musyarakah pada Bank Muamalat Indonesia Cabang Yogyakarta dan membandingkan dengan konsep akad musyarakah perspektif Syekh Taqi Usmani. Penelitian ini menggunakan deskriptif kualitatif, yaitu dengan menggambarkan fakta implementasi musyarakah pada Bank Muamalat Indonesia Cabang Yogyakarta. Jenis data yang dipakai adalah sekunder berupa lapoan tahunan bank Muamalat Indonesia dan data primer berupa hasil wawancara terhadap pihak nasabah Bank Muamalat Indonesia Cabang Yogyakarta. Hasil penelitian menunjukkan bahwa implementasi akad musyarakah pada Bank Muamalat Indonesia Cabang Yogyakarta tidak sesuai dengan implementasi akad musyarakah perspektif Syekh Taqi Usmani.
Reformulasi Pricing Murabahah pada Bank Syariah Nuhbatul Basyariah; Elis. S. Wahyuni Agustin
At-Tauzi : Jurnal Ekonomi Islam Vol 16 No 1 (2017): Vol 16 / Juni 2017
Publisher : Pusat Studi Ekonomi Islam Sekolah Tinggi Ekonomi Islam Hamfara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (284.087 KB)

Abstract

Penelitian ini bertujuan untuk mengevaluasi konsep pricing murabahah pada bank syariah dan memberikan rekomendasi konsep pricing murabahah menurut Prof. DR. Wahbah Az-Zuhaili. Metode penelitian yang digunakan adalah metode penelitian kualitatif eksploratif. Metode pengumpulan data dengan cara studi literatur, wawancara dan dokumentasi berupa brosur pembiayaan dari masing-masing bank yang diteliti. Konsep pricing murabahah yang diaplikasikan oleh bank syariah saat ini belum sesuai dengan fiqih muamalah mengenai murabahah, aplikasi saat ini belum menunjukkan perbedaan antara kredit pada bank konvensioanl. Masih sebatas merubah nama bunga menjadi margin. Adapun konsep pricing murabahah menurut Wahbah Az-Zuhaili adalah menjual barang dengan harga pertama ditambah keuntungan, dengan konsep tersebut mengembalikan murabahah pada esensinya yaitu jual beli dengan menyampaikan harga beli barang kepada pembeli, dan bank bertindak sebagai penjual nasabah sebagai pembeli.
TELAAH KRITIS IMPLEMENTASI PEMBIAYAAN MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH BERDASARKAN KDPPLKS Sugeng Widodo; Nuhbatul Basyariah
At-Tauzi : Jurnal Ekonomi Islam Vol 20 No 1 (2020): Vol 20 No 1 / Juni 2020
Publisher : Pusat Studi Ekonomi Islam Sekolah Tinggi Ekonomi Islam Hamfara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37820/attauzi.v20i1.79

Abstract

Murabaha financing dominates the portion of Indonesia's national banking financing. Some financing models that exist in Islam and offered by Islamic banking shows the development of Murabaha financing is increasing, and several other types of Islamic banking financing go down and disappear from the financial statements of Islamic banking financing. This article aims to review and analyze the practice of Murabaha financing in Indonesian Islamic banking, and answer the concept and application of Murabaha financing is purely Islamic banking financing or replication of conventional banking credit ?. Based on the analysis of sample transaction models, Murabahah financing implementation has not been following sharia-compliant transaction definitions and criteria according to KDPPLKS where the Murabahah price structure does not contain the appropriate selling price element, but the formula for determining the selling price uses conventional credit/loan patterns.
ANALISIS JUAL BELI EMAS SECARA TIDAK TUNAI Nuhbatul Basyariah
At-Tauzi : Jurnal Ekonomi Islam Vol 20 No 2 (2020): Vol 20 No 2 / Desember 2020
Publisher : Pusat Studi Ekonomi Islam Sekolah Tinggi Ekonomi Islam Hamfara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37820/attauzi.v20i2.202

Abstract

The purpose of this study is to analyze the sale and purchase of gold in a non-cash basis based on the basis of Islamic economics. This research is a descriptive qualitative research, with a literature study approach. Data were analyzed by inductive method. The results of the analysis show that buying and selling gold in cash is contrary to the syara' argument as the basis for Islamic economic practice. Based on the existing syara texts about the basic rules of buying and selling usury goods including gold, and the illat (legal background) of the prohibition of these objects is not stated in the text at all so that the illat cannot be taken. Therefore, gold buying and selling transactions must be carried out in cash, because the legal requirement of a gold sale and purchase transaction is that each exchanger must submit the goods in one assembly. Therefore, if each of the exchangers separates, while both have not delivered the goods, then the sale and purchase is invalid.
Analisis Manajemen Risiko Layanan Mobile Banking Pada Bank Syariah Sukma Oktaviani; Nuhbatul Basyariah
Jurnal Manajemen dan Penelitian Akuntansi (JUMPA) Vol 15 No 1 (2022): Januari-Juni
Publisher : Sekolah Tinggi Ilmu Ekonomi Cendekia Bojonegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (795.518 KB) | DOI: 10.58431/jumpa.v15i1.183

Abstract

The development of information and communication technology today has made the banking industry compete fiercely in creating innovative electronic products and services in transactions, one of which is with mobile banking products. As a service product, and an integral part of bank operational activities, mobile banking has risks in its use. This study aims to analyze the types of risks in mobile banking services and analyze the various efforts of Islamic banks in solving them. The analytical method used is descriptive qualitative method, with a library study approach or literature review. The results of the research of various banks that have used mobile banking services have risk mitigation mechanisms and efforts to prevent risks arising from mobile banking services, so that people do not need to worry too much about mobile banking services from Islamic banks.
Co-Authors Elis. S. Wahyuni Agustin Sugeng Widodo Sukma Oktaviani