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All Journal Paradigma : Journal of Science, Religion and Culture Studies Maslahah : Jurnal Hukum Islam dan Perbankan Syariah Al Ishlah Jurnal Pendidikan Al Tijarah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Journal of Humanities and Social Studies DEVOSI Ekonomi Islam Indonesia An-Nizam: Jurnal Bakti Bagi Bangsa At-Tamwil: Journal of Islamic Economics and Finance Tamkin Journal Al-ihsan : Journal of Community Development in Islamic Studies Research of Islamic Economics (RIE)
Isfandayani M.Si.
Program Studi Perbankan Syariah FAI UNISMA Bekasi
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Physics Social Sciences Other

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Pemetaan Peran Pemerintah Dalam Mengakselerasi Pengembangan Perbankan Syariah di Indonesia: Studi Kasus Otoritas Jasa Keuangan dan Bank Indonesia Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 4 No 2 (2013): Maslahah : Jurnal hukum islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v4i2.1306

Abstract

The bank regulation and controlling will shift from Bank of Indonesia (Bl) and the Financial Services Authority (Otoritas Jasa Keuangan/OJK) commencing on 31 December 2013. It will be very interesting to be analyzed In the form of mapping of the government role to accelerate the Islamic Banking in Indonesia by using the Bl and OJK case study. The research explains the BI-OJK authority, the Bi-OJK coordination, the Islamic Banking development, the difference of BI-OJK from the Islamic banking view, from the analysis of 81 transfer to OJK needs proper preparation mainly the competent human resource in Islamic Banking
Analisis Penerapan Prinsip-Prinsip Good Corporate Governance (GCG) di Bank BRI Syariah Pusat Isfandayani Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 9 No 1 (2018): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v9i1.1479

Abstract

This research is to know how to apply the principles of Good CorporateGovernance (GCG) at Bank BRISyariah Pusat, what are the obstacles faced inapplying GCG principles and how to overcome the obstacles that happened inapplying GCG principles at Bank BRI Syariah. The method used is the method ofqualitative naturalistic research with data collection techniques that is observation,interview and documentation. The results conclude that BRISyariah has applied GCGprinciples in accordance with applicable laws and regulations. There are five GCGprinciples applied by BRISyariah in accordance with Bank Indonesia Regulation(PBI) no. 11/33 / PBI / 2009 is transparency, accountability, responsibility,professional, fairness. Implementation of the principles of Good CorporateGovernance (GCG) under the authority of Bank BRISyariah can be said to be good,effective and in accordance with the provisions of applicable legislation.
Analisis Penerapan Good Corporate Governance (GCG) Pada Bank Umum Syariah Sri Endah Wahyuningsih; Isfandayani -
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 2 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i2.2625

Abstract

This study aims to determine the analysis of the implementation of good corporate governance(GCG) in Islamic Commercial Banks, which is represented by Bank Syariah Mandiri and BankMuamalat Indonesia. This research method is included in qualitative research with a library researchapproach, namely a series of studies relating to library data collection methods. The results showedthat the implementation of GCG in BUS as represented by Bank Syariah Mandiri and Bank MuamalatIndonesia has implemented the principles of Good Corporate Governance (GCG) in accordance withthe prevailing laws and regulations, namely Bank Indonesia Regulation Number. 11/33 / PBI / 2009dated 7 December 2009 and Circular Letter (SE) of Bank Indonesia No. 12/13 / DPbS dated 30April 2010 concerning the Implementation of Good Corporate Governance for Sharia CommercialBanks (BUS) and Sharia Business Units (UUS), especially Article 62 and Article 63 concerning theobligations of Banks to submit GCG Implementation Reports to Bank Indonesia (BI) and stakeholders.other interests.
Analisis Manajemen Risiko Pembiayaan Modal Kerja (PMK) Pada Bank BJB Syariah Kantor Cabang Pembantu Lippo Cikarang Nita Muhaini Saputri TQ; Isfandayani -
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 9 No 2 (2018): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v9i2.2743

Abstract

BJB Sharia Bank is the one of the banks that taking role in capital participation, capital financialworkings is a product that very potentially risking. If it doesn’t handle correctly, it will cause lossesthat should be gotten by the BJB Sharia Bank, for that these should need a risk management. Thisanalyze aims for determining the types of risks and how the implementation of risk managementfor Capital Financial Working contained in BJB Sharia Bank Lippo Cikarang Sub Branch in termsof identification risk, measurement risk, monitoring risk and controlling risk. In this study using aqualitative descriptive method. Data retrieval is done by observation, interviews and documentationto four sources of informants BJB Sharia Bank Lippo Cikarang Sub Branch. Data analysis will bedone by doing three steps, they are; data reductions, data display, and verification from that analysisdata result by evidencing the validity of data through source triangulation techniques. The observationresult shows that the faced risk by BJB Sharia Bank Lippo Cikarang Sub Branch are financing riskand law risk. From the identification results, BJB Sharia Bank Lippo Cikarang Sub Branch will beface operational risk, liquidity risk, strategic risk, investment risk, reputation risk, compliance risk,and yield risk also. In application, management risk uses four steps, they are; identification risk,assessment risk, monitoring risk, and controlling risk. From that management risk application, BJBSharia Bank Lippo Cikarang Sub Branch has been able to minimize the impact of faced risk by capitalfinancial working.
Minat Masyarakat Kota Bekasi Terhadap Pembiayaan Talangan Haji Pada Perbankan Syariah (Analisis Pada PT. Bank Syariah Mandiri KCP Bekasi Timur) Aan Riyadi; Isfandayani -
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 1 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i1.2749

Abstract

This research is motivated by the role of Islamic banks in distributing hajj bailout products.The role of Sharia Banks targeting Hajj bailout products increasingly indicates the public’s need forIslamic banking. This research raises the title of Bekasi City Public Interest in Hajj Bailout Financingin Islamic Banking. The objectives and limitations of the problem in this study are how the procedurefor implementing haj bailout financing at BSM KCP East Bekasi, the interest of the Bekasi Citycommunity towards haj bailout financing, and how the Business of Bank Syariah Mandiri KCP EastBekasi attracts the public’s interest in providing haj bailout fees. used in this research is qualitative.This research was collected using observation, interviews with the head of microfinance at BSM KCPEast Bekasi. The approach used is descriptive to find out information from the informants on the hajjbailout financing process at BSM KCP Bekasi Timur. Based on the research results, the procedureof Bank Syariah Mandiri KCP Bekasi Timur has established a mechanism for the portion of hajjfor customers who need Hajj bailout financing, and the portion is divided into two, namely for cashportions and bailouts. Registration of the cash hajj portion is a portion that can be said is simplerthan the portion of the bailout hajj. While the interest of the Bekasi City community can be seen thatof the total population of Bekasi City of 2,376,794, 2,145,497 are Muslims, the total is 2,145,497only 990,630. souls who are required to perform the pilgrimage. The pilgrims who departed in 2014were dominated by Islamic banking as many as 1,407 people (58.4%), while conventional banks were1,002 people (41.6%). Of the several Sharia Banks, including Bank Syariah Mandiri (BSM) KCP EastBekasi, it was able to take the portion of the pilgrims as many as 608 people. Bank Syariah Mandiri’sefforts in attracting haj bailouts include collaborating with several local Hajj Guidance Groups(KBIH) and then by distributing mabrur savings brochures along with the haj registration process andthe Bank Syariah Mandiri haj bailout program, East Bekasi KCP to customers and telemarketing andsocialization by holding seminars on haj bailout financing.
Analisis Manajemen Risiko Pembiayaan Murabahah di PT BPRS Artha Madani Kantor Pusat Bekasi Zahrina Wardatul Fawziyah; Isfandayani -
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 2 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i2.2755

Abstract

Risk management is an important effort that must be made by Islamic Banking to minimize risk.This research is a qualitative research and the methods used are interviews, documentation, andobservation. The research objective was to determine the types of risks in murabahah financing andthe strategy of PT. BPRS Artha Madani in overcoming these risks and to find out the analysis of theimplementation of risk management strategies carried out by PT. BPRS Artha Madani Head OfficeBekasi.Based on the results of the study it is known that the risk management strategy analysis of PT.BPRS Artha Madani using Bank Indonesia Regulation No. 13/23/PBI/2011 and 5 C principles consistof Character, Capacity, Capital, Collateral and Condition of Economy. However, despite implementingthe risk management strategy, banks continue to experience risks, namely in the form of: credit risk(in Islamic banks called as financing risk), operational risk and legal risk due to bank internal factorsin analyzing and external factors from customers.. PT. BPRS Artha Madani in resolving troubledfinancing with intensive billing, reprimand to customers if they do not fulfill their obligations, make arestructuring by rescheduling, reconditioning and restructuring if the financing can still be normalized.However, if there is no hope and the Customer is not able to, then the solution is guaranteed that canbe auctioned through litigation or non-litigation channels.
Analisis Implementasi Fatwa DSN-MUI Nomor 54 Tahun 2006 Terhadap Produk iB Hasanah Card Bank BNI Syariah Teny Khotimah Arzani; Isfandayani -
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2761

Abstract

This study describes the implementation of the iB Hasanah Card operational financing at BNISyariah Bank which is adjusted to the DSN-MUI Fatwa Number 54 of 2006 (Syariah Card), to findout the suitability between the iB Hasanah Card operations against the sharia card mechanismbased on the fatwa. The method used in this research process is a qualitative descriptive analysismethod. Retrieval of data in the form of primary data, and secondary data, primary data obtained byconducting interviews with the BNI Syariah Bank. Literature study was obtained from books, journals,official websites and documents relating to the iB Hasanah Card. The data analysis technique wascarried out with three steps, namely data reduction, data presentation, and drawing conclusions fromthe results of the data analysis as evidenced by the validity of the data through source triangulationtechniques. The results of this study indicate that the BNI Syariah Bank in general in carrying out theoperational iB Hasanah Card as a whole is in accordance with the fatwa DSN-MUI No.54 / DSNMUI/ X / 2006. However, there are a number of points from the iB Hasanah Card program featuresand provisions regarding restrictions that should need special attention and be reviewed, becausethe contents contained in the fatwa are usually general or comprehensive, not specific or detailed.Like, smart spending and danlus features on iB Hasanah Card that are not listed in the fatwa. Otherprovisions include differences in fee provisions and the application of ta’widh fees, the calculation ofwhich is based on the time period of delay and the type of card not based on the actual loss incurredby the bank during billing.
MENUMBUHKAN KEPEDULIAN TERHADAP PENANGGULANGAN PEREKONOMIAN BAGI ANAK YATIM DAN DHUAFA Angelica Richard Eka Putri; Isfandayani Isfandayani; Ria Marginingsih
An-Nizam Vol 1 No 1 (2022): An Nizam : Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v1i1.3358

Abstract

Poverty is an important problem related to population in many countries, including Indonesia. In 2020, Indonesia was hit by the Covid-19 pandemic which hit the economic sector and people's lives, in addition to health itself. The Central Statistics Agency (BPS) stated that the number of poor people in Indonesia increased by more than 2.7 million people due to the Covid-19 pandemic. Poverty is a human problem. From this dimension, the existence of poverty carries the consequence of a moral responsibility for everyone to pay attention to the lives of people living in poverty. Poverty is also a violation of human rights. In dealing with the economy, as a person who has high tolerance and solidarity, he will optimize his actions to overcome the economy by collecting funds from several people who have the same mission in tackling the economy, especially in the field of education for orphans and poor people. Because education is the foundation for overcoming poverty in the future. This study uses a descriptive approach by making observations and providing optimization efforts to overcome the economy by using the Education Assistance Fund program funds in the Pengasinan area, Rawalumbu, Bekasi.
STRATEGI PEMASARAN MELALUI MEDIA ONLINE UNTUK MENGEMBANGKAN USAHA RUMAHAN Karen Ainiyya; Isfandayani Isfandayani; Ria Marginingsih
An-Nizam Vol 1 No 2 (2022): An Nizam : Jurnal Bakti Bagi Bangsa
Publisher : Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/an-nizam.v1i2.3387

Abstract

Marketing strategies through online media are very important for business people, in the current era that already has increasingly advanced technology. the purpose of doing community service is so that the community can develop their business in terms of marketing through online media. Therefore, it is necessary to implement the following: (1) explain and provide marketing training through online media so that it is more widespread (2) create a home-based business product label design to make it more attractive (3) create educational content for home-based business actors so that others can find out about marketing through online media.
PERBANDINGAN TINGKAT KESEHATAN BANK SYARIAH SEBELUM DAN SETELAH GO PUBLIC (Studi Pada PT. Bank Panin Dubai Syariah Tbk) Desi Annisa; Isfandayani -
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 17 No 1 (2020): PARADIGMA Journal of Science, Religion and Culture Studies
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/paradigma.v17i1.2294

Abstract

Go public is one way for companies to take funding sources outside the company. This funding source is expected to provide facilities for companies to expand and have a good impact on company performance. This study aims to examine how the health level of Islamic banks after go public when compared with before go public. The method used in this study is to use a different test. Before a different test is performed first, the Shapiro-Wilk Normality Test, data that is normally distributed using the Paired Sample T-Test with α = 5%. namely NPF and CAR, while data that are not distributed use the Wilcoxon Test α = 5%, namely ROA and NOM. The results of the study show NPF, NOM, and CAR get a value of α <5% which means there are differences in the level of health of Islamic banks before and after go public and ROA get values> 5% which means there is no difference in the level of health of Islamic banks before and after go public.
Co-Authors Aan Riyadi Abdullah, Saqyllah Zahra Abrista Devi Ali Amin, Irsyad Alto Wirahadi Kusuma Angelica Richard Eka Putri Annie Faridha Farachdina Arief Widyananto Arzani, Teny Khotimah Asih, Anisa Mukti Desi Annisa Eva Kholifah Fahlevi, Rizal Fajri Ryan Isnandar Fajri Ryan Isnandar, Fajri Ryan Fauziyyah, Nur Fawziyah, Zahrina Wardatul Hafiz Santak Taram Hafiz Santak Taram Hendry Candra Laksmitawuri Husnul Khatimah irham Karen Ainiyya Khoiriyah, Ummi Laksmitawuri, Hendry Candra Marginingsih, Ria Marwiyah, Syarifatul Mas Deden Tirtajaya Milasari, Siti Muhammad Basirrudin MUHAMMAD FAHMI Muhtar . Mumpuni Hayati Nuragustin Mutia Ramadhani Nita Muhaini Saputri TQ Noval, Sahrul Nur Ahmad Fadillah Nurfadilah Purnama Putra, Purnama R. Melda Maesarach Rafika Rahmawati Rafika Rahmawati Rafika Rahmawati Ramadhani, Mutia Ramdhiana, Ratih Ratih Ramdhiana Ria Mariginingsih Riyadi, Aan Rizal Fahlevi Rizal Fahlevi Rizqiyah, Talida Silmi Saputri TQ, Nita Muhaini Siti Jamilah Siti Mardiah Siti Mardiah, Siti Siti Noviatun Siti Suherni Sri Endah Wahyuningsih Sri Endah Wahyuningsih Suci Nurani Suci Nurani Suherni, Siti Syariah, Emy Teny Khotimah Arzani Vandarina Ralda Zahrina Wardatul Fawziyah Zahrina Wardatul Fawziyah