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Elaborasi Analisis Pembiayaan Dalam Meminimalisir Non Performing Finance (NPF) Pada Lembaga Keuangan Syariah Kharis Fadlullah Hana; Ridwan Ridwan; Enggar Arrosyad Chodlir
MALIA: Journal of Islamic Banking and Finance Vol 5, No 2 (2021): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v5i2.12548

Kualitas pembiayaan merupakan faktor penting yang menentukan tingkat kesehatan lembaga keuangan syariah. Meskipun demikian, lembaga sering menganalisis pembiayaan secara kurang tepat. Tujuan penelitian ini menyajikan model analisis pembiayaan yang tepat dalam memberikan rekomendasi pembiayaan. Hal itu dapat mencegah tingginya Non Performing Finance (NPF). Metode penelitian yang dilakukan adalah Research and Development berdasarkan hasil riset dari beberapa lembaga keuangan syariah. Peneliti mengambil sampel dari Bank Syariah, BPR Syariah dan Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS). Hasil penelitian menunjukkan bahwa Bank syariah dan BPR Syariah telah menentukan formula analisis yang cukup lengkap, namun dari KSPPS kurang memiliki formula yang lengkap. Hasilnya, peneliti menemukan aspek baru yang semula pada umumnya adalah 5C, yakni dengan menggunakan tambahan menjadi 8C. Aspek tersebut adalah character, collateral, capacity, capital, condition of economy, constrain, cash flow dan closeness. Kontribusi penelitian ini memberikan aspek baru bagi lembaga keuangan syariah agar dapat memberikan keputusan pembiayaan lebih akurat.

Diskursus Akad Pembiayaan Bank Syariah dalam Perspektif Hukum di Indonesia Kharis Fadlullah Hana; Islahud Dimam
TAWAZUN : Journal of Sharia Economic Law Vol 5, No 1 (2022): Tawazun: Journal of Sharia Economic Law
Publisher : Sharia Faculty Islamic Economic Law Study Department

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/tawazun.v5i1.13731

This research focuses on the process of forming Islamic bank financing contracts in general. Which distinguishes between two sorts of deeds: genuine deed and private deed. In addition, the search for information on how the OJK product standards are used in financing contracts, as well as the requirements of the Indonesian law that governs the drafting of the deed, which contains sections of the whole deed. In addition, the researchers made modifications based on the data acquired and provided and detailed how to make and prepare a good and accurate act that was suitable based on Indonesian legal requirements. A explanation of how the form of correctness and duty of a notary in making the contract was also included by the researcher. The inclusion of components that constitute the foundation of sharia principles taken from the Qur'an and Hadith at the commencement of the deed would weaken the legitimacy of the deed and will receive sanctions, specifically the deed will be degraded into a deed under hand, according to this research. Then there are the findings of many infractions that may face similar consequences in the future.

Pandemi Covid 19: Bagaimana Kondisi Likuiditas Bank Syariah di Indonesia? Kharis Fadlullah Hana; Muslikhatul Aini; Lorena Dara Putri Karsono
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 1 (2022)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i1.5840

The covid-19 pandemic has affected various sectors of life, not only offecting the healt sector, but also having an impact on the world economy and the banking sector. This study was conducted to analyze the liquidity condition of Islamic banking in the midst of the covid-19 pandemic. The research method used is qualitative research using descriptive analysis. The data collection method used is literature study, in written and digital form, such as journal articles, google books, and others. The results of the study show that the level of liquidity of islamic banking in Indonesia is in the quite adequate category, meaning that it is in a safe position even during the covid-19 pandemic.

Edukasi fesyen muslim: Upaya meningkatkan kreativitas melalui hijab masker di tengah pandemi Kharis Fadlullah Hana; Ajeng Rizki Miranti; Uswatun Hasanah
PERDIKAN (Journal of Community Engagement) Vol. 4 No. 1 (2022)
Publisher : IAIN Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/pjce.v4i1.5910

This Community Service activity aims to educate the public about the opportunities for hijab masks amid a pandemic. As Participatory Action Research, this community service was carried out through online seminars, online discussions, and online assistance through Whatsapp groups. This activity has been conducted in Kudus regency. The participants are the millennial community who is the potential to develop hijab masks for their economic recovery. This service provided a positive response for the community so that they are more aware of efforts to be more creative amid a pandemic. They were equipped with education from well-known hijab activists in providing understanding to create attractive fashion designs and have branding. This service recommendation can provide direct follow-up assistance through the blended method to make it more effective. (Kegiatan Pengabdian Kepada Masyarakat ini bertujuan untuk memberikan edukasi kepada masyarakat tentang peluang hijab masker di tengah pandemi. Metode PAR ini dilaksanakan melalui seminar online, diskusi online dan pendampingan online melalui Whatsapp grup. Kegiatan ini dilaksanakan di kota Kudus dengan peserta masyarakat milenial yang memiliki potensi mengembangkan hijab masker untuk pemulihan ekonomi mereka. Hasil pengabdian ini memberikan respon posisif bagi masyarkat sehingga lebih sadar akan upaya untuk lebih kreatif di tengah pandemi. Mereka dibekali edukasi dari pegiat hijab ternama untuk memberikan pemahaman untuk membuat desain fesyen yang menarik dan memiliki branding. Rekomendasi pengabdian ini dapat memberikan pendampingan lanjutan secara langsung melalui metode blended agar lebih efektif.)

Analisis Penerapan Sharian Compliance Pada Produk Pembiayaan Mikro BSI KUR Di Bank Syariah Indonesia Uswatun Hasanah; Nurul Fitriani; Kharis Fadlullah Hana
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 4 No 1 (2022): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v4i1.2730

Implementation of Sharia Compliance is an absolute requirement that must be implemented by Sharia Banking by using the fatwa of the MUI DSN as a measuring instrument for compliance with Sharia Principles. However, in practice it is not as easy as what is discussed in theory, there are still many incidents that are prone to syar'i errors. The purpose of this study was to analyze the suitability of the application of Sharia Compliance to the BSI KUR-Mikro financing product at Bank Syariah Indonesia. This study uses a qualitative descriptive method that retrieves information trhough interviews. Data collection was obtained through interviews with employees and customers of Bank Syariah Indonesia Kudus branch. The results of this study indicate that: firts, Bank Syariah Indonesia has complied with sharia principles, because all transactions and activities are based on the fatwa of DSN MUI, and are supervised by DPS. Second, BSI KUR Micro financing products are already compliant with sharia principles because, not all businesses can be financed by BSI KUR Micro, but only businesses that have the potential to be halal. These results provide recommendations for further researchers to analyze sharia compliance not only from employee and customer assessments, but also to see sharia compliance through the Sharia Supervisory Board (DPS) directly. Keywords: Sharia Compliance, Islamic Banking, BSI KUR Micro

Modest Fashion: Overview Of Consumer Intention Based On Product Quality, Design, And Lifestyle With Islamic Branding As A Moderating Variable Kharis Fadlullah Hana; Sisca Apriliana Sari; Anita Rahmawaty
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 9, No 1 (2023): JUNI 2023
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tijaroh.v9i1.7638

The growth of the Indonesian Muslim fashion industry, which is in the second position, has triggered the government to make Indonesia the center of world Muslim fashion. However, some industries do not know much about the factors that can increase interest in modest fashion. The purpose of this study was to examine the factors that influence the purchase intention of modest fashion by being moderated by Islamic branding. The variables tested are Product Quality, Design and Lifestyle. This research method uses quantitative methods with post positivism paradigm. The data was obtained using purposive sampling technique with 384 respondents from the millennial generation. The measurement scale used is a Likert scale with a value of 1-5 for a score of strongly disagree and strongly agree. Analysis of the data using the SPSS version 23. The results show that all variables affect the purchase intention of modest fashion. Testing the variables using two models, testing the direct influence between the independent and dependent variables and testing the interaction or Moderated Regression Analysis. However, if you include Islamic branding as a moderating variable, there is a variable that shows a stronger influence than others, namely product quality. Brands that have Islamic names are the highest choice of respondents. They are interested in buying modest fashion products because they are of good quality with average 3,5885 and t table which is 15.927. Recommendations from this study need to create an Islamic brand name for modest fashion products.

Dampak Kehadiran Pabrik Bagi Pekerja Perempuan: Antara Kesejahteraan Ekonomi dan Perceraian Kharis Fadlullah Hana; Aryani Oktaviyanti
Equalita: Jurnal Studi Gender dan Anak Vol 5, No 1 (2023)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/equalita.v5i1.13302

Kehadiran pabrik di Jepara memberikan dampak positif bagi perempuan karena mereka mensyaratkan penerimaan 90% karyawan adalah perempuan. Dengan jumlah penghasilan yang tinggi menjadikan banyak perempuan yang bekerja disana. Namun, hal itu tidak serta merta memberikan dampak kesejahteraan secara lahir dan batin. Hasilnya dari data Pengadilan Agama menunjukkan tingkat perceraian di Jepara semakin tinggi. Sampai september tahun 2021 ini, ada 2.097 perkara yang sebagian besar adalah cerai gugat oleh istri. Hal itu diduga karena adanya ketimpangan penghasilan antara suami dan istri, perselisihan, masalah ekonomi dan adanya orang ketiga. Penelitian ini bertujuan untuk menganalisis dampak kehadiran Pabrik di Jepara dari sisi Positif dan Negatif. Adapun metode penelitian yang digunakan adalah kualitatif dengan paradigma feminisme. Data diperoleh melalui wawancara, observasi dan dokumentasi. Informan dipilih berdasarkan metode purposive sampling yaitu dari para pekerja Pabrik Perempuan di Jepara. Peneliti menganalisis data melalui reduksi dan display data menggunakan QDA Miner 4 lite. Hasilnya kehadiran pabrik pada 10 tahun ini memberikan dampak positif dalam peningkatan ekonomi keluarga. Namun memiliki dampak yang negatif dalam hal ketimpangan penghasilan antara suami istri dan waktu luang yang menimbulkan ketidakharmonisan keluarga. Rekomendasi penelitian ini, perlu adanya edukasi perkawinan yang diprogram oleh pabrik untuk menjaga keharmonisan keluarga.

How is the Company’s Financial Performance After Merger with the Economic Value Added Approach? Ibnu Muttaqin; Kharis Fadlullah Hana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.7157

The objective of this research is to find out whether the merger decision is correct with more appropriate indicators compared to other financial indicators. The comparison of Economic Value Added (EVA) values, both between Islamic banks before merger and before and after merger. Through a quantitative approach with data two years before merger, from 2019-2020 and two years after the merger from 2021-2022. Paired samples t-test was used as a statistical approach. It can be concluded from the results of the different tests before merger, there is no significant difference between BRIS and BNIS, while between BSM and BRIS and BNIS there is a significant difference with the EVA value of BSM not being better than BRIS and BNIS. Furthermore, in the pre- and post-merger it was found that the EVA values were significantly different, with the average EVA value after merger being better than before. Refer ot this study, it can be concluded that the decision of merger is effective.

How is the Company’s Financial Performance After Merger with the Economic Value Added Approach? Ibnu Muttaqin; Kharis Fadlullah Hana
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 11, No 1 (2023)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v11i1.7157

The objective of this research is to find out whether the merger decision is correct with more appropriate indicators compared to other financial indicators. The comparison of Economic Value Added (EVA) values, both between Islamic banks before merger and before and after merger. Through a quantitative approach with data two years before merger, from 2019-2020 and two years after the merger from 2021-2022. Paired samples t-test was used as a statistical approach. It can be concluded from the results of the different tests before merger, there is no significant difference between BRIS and BNIS, while between BSM and BRIS and BNIS there is a significant difference with the EVA value of BSM not being better than BRIS and BNIS. Furthermore, in the pre- and post-merger it was found that the EVA values were significantly different, with the average EVA value after merger being better than before. Refer ot this study, it can be concluded that the decision of merger is effective.

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