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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) INFERENSI IQTISHADIA Jurnal Progres Ekonomi Pembangunan Jurnal Ilmiah Ekonomi Islam Jurnal Dinamika Ekonomi dan Bisnis Dinamisia: Jurnal Pengabdian Kepada Masyarakat Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Jurnal Hukum Ekonomi Syariah Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Surya Abdimas Buletin Ilmiah Marina : Sosial Ekonomi Kelautan dan Perikanan Iqtishoduna: Jurnal Ekonomi Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah IMANENSI: Jurnal Ekonomi, Manajemen dan Akuntansi Islam Mega Aktiva: Jurnal Ekonomi dan Manajemen JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) AL-FALAH : Journal of Islamic Economics Lumbung Inovasi: Jurnal Pengabdian Kepada Masyarakat Jurnal Perspektif Pembiayaan dan Pembangunan Daerah IIJSE Optimum: Jurnal Ekonomi dan Pembangunan
Ernawati Ernawati
Fakultas Ekonomi Dan Bisnis, Universitas Halu Oleo
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : IIJSE

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Studi Penyimpangan Internal pada Bank Umum Syariah di Indonesia Ernawati Ernawati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 2 No 1 (2019): Sharia Economic: July, 2019
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v2i1.311

Abstract

Penelitian ini bertujuan untuk mengetahui dinamika penyimpangan internal (fraud pada Bank Umum Syariah di Indonesia. Penelitian menggunakan data sekunder periode 2011-2017 publikasi Bank Umum Syariah. Sampel penelitian terdiri dari 9 bank umum syariah yang ditentukan berdasarkan ketersediaan data. Analisis data digunakan berupa grafik, diagram, dan analisis pertumbuhan. Hasil penelitian menunjukkan bahwa penanganan kejadian fraud hanya berdampak selama 3 tahun. Angka kejadian fraud rata-rata selama periode penelitian sebesar 9,87 kasus per tahun per bank. Bank BCAS telah mampu menurunkan angka kejadian fraud mendekati nihil (zero fraud). Strategi penanganan fraud yang dilakukan oleh pihak Bank Umum Syariah yaitu menggunakan sarana pelaporan whistle blowing system yang dipergunakan oleh karyawan untuk melaporkan jika menemukan dan melihat perbuatan fraud yang dilakukan oleh karyawan. Pada sisi lain juga dibentuk unit kerja anti fraud. Namun efektifitas penerapan kedua strategi tersebut relatif berbeda pada setiap Bank Umum Syariah.
Murabaha Oriented at Sharia Banks in Kendari City Rahmat Rahmat; Ernawati Ernawati
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 3 No 2 (2021): Sharia Economic: January, 2021
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v3i2.1075

Abstract

The proportion of murabaha financing in sharia banking is more dominant than profit-sharing financing, so that Sharia banking behaves murabaha oriented. The study aims to determine whether the risk and the level of profit loss sharing financing have an effect on murabaha-oriented behavior in sharia banks. The research was conducted in Kendari City from January to April 2019 with four informants from the bank management. It is a descriptive quantitative research using percentage assistance. The results show that the risk factor for profit sharing financing is the most important consideration for sharia banks to choose murabaha financing, while the profit sharing rate received is a factor that is considered after the risk. The financing risk experienced by sharia banks in Kendari City is in the form of financing problems. Meanwhile, the profit sharing rate factor determines the murabaha oriented behavior which is driven by the lower rate of return for the results compared to murabaha financing.
Co-Authors Abd. Azis Muthalib Ahmad Ahmad Ambo Wonua Nusantara Ambo Wonua Nusantara Ariani, Wa Ode Rachmasari Asri, Mansyur Asrianti Dja'wa Asrianti Dja’wa Asrianti Dja’wa Baheri Baheri Gamsir Gamsir Hasan Aedy Heppi Millia Heriberta Heriberta Ilyas Ilyas M. Natsir Manat Rahim Muhammad Natsir Muhammad Natsir Muhammad Natsir Muhammad Rafiy Muhammad Syarif Muhammad Syarif, Muhammad Mulyati Akib Nita Hasnita Nur Afandi Nur Asizah Nur Asizah Purnamasari, Sri Ayuni Rahmat Rahmat Rosnawintang Rosnawintang Rosnawintang Rosnawintang Rosnawintang Rostin Rostin, Rostin Ruslan, Salmiyanti Saemu Alwi Sagibran Agid Birambi Sagibran Agid Birambi Surianti Surianti Sutarno, Bambang Bintoro Syamsir Nur Tajuddin Tajuddin Tajuddin Tajuddin Vibriane, Erra Septy Wali Aya Rumbia, Wali Aya Wawo, Andi Basru Zainuddin Saenong Zainuddin Saenong, Zainuddin