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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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ANALISIS IMPLEMENTASI PENCEGAHAN PENCUCIAN UANG MENGGUNAKAN CUSTOMER DAN ENHACED DUE DILLIGENCE DI BANK SYARIAH MANDIRI JAKARTA Siti Noviatun; 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.v17i1.2298

Abstract

Abstract The main fuction of the Bank as an funding and lending activities by offering various types of financial transaction services an attractive choice for people who do money laundering to hide money proceeds of crime. Because of that the government and Indonesian Banks make regulations related prevent money laundering that contains Customer Due Dilligence and Enhanced Due Dilligence. Bank Mandiri Syariah has implementation Customer Due Dilligence and Enhanced Due Dilligence as an effort to prevent money laundering. This analyze aims for knowing implementation Customer Due Dilligence and Enhanced Due Dilligence that has been applied by Bank Syariah Mandiri. In this study using a qualitative descriptive method. Data retrieval is done by observation, interviews and documentation to three sources of informants Bank Syariah Mandiri KCP Bekasi Timur and one sources of informants that specifically handles money laundering prevention program that is SKAP( Satuan Kerja APU PPT) Bank Mandiri Syariah. Data analysis will be done by doing three steps, they are; data reductions, data display, and verification.The observation result shows that implementation Customer Due Dilligence done at the time prospective customer open the account and the Bank doubt information customer by doing identification and verification. implementation Enhanced Due Dilligence is done to customers Politically Exposed Person/ High Risk open the account, but in practiceat Bank Syariah Mandiri KCP Bekasi Timur done when there is suspicious transaction or there is a case. Reporting process suspicious transaction through the system SIAP (System Aplikasi APU PPT) to Satuan Kerja APU PPT (SKAP) Bank Syariah Mandiri then SKAP reports to PPATK (Pusat Pelaporan Analisis Transaksi Keuangan). From implementation Customer Due Dilligence and Enhanced Due Dilligence Bank Mandiri Syariah has been prevent money laundering enter the financial system at Mandiri Sharia Bank.
ANALISIS MANAJEMEN RISIKO PEMBIAYAAN MURABAHAH DI PT BPRS ARTHA MADANI KANTOR PUSAT BEKASI Zahrina Wardatul Fawziyah; Isfandayani -
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 17 No 2 (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.v17i2.2307

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, and observation. The research objective was to determine the types of risks in murabahah financing and the strategy of PT. BPRS Artha Madani in overcoming these risks and to find out the analysis of the implementation of risk management strategies carried out by PT. BPRS Artha Madani Head Office Bekasi.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 consist of Character, Capacity, Capital, Collateral and Condition of Economy. However, despite implementing the 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 factors in analyzing and external factors from customers.PT. BPRS Artha Madani in resolving troubled financing with intensive billing, reprimand to customers if they do not fulfill their obligations, make a restructuring 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 can be auctioned through litigation or non-litigation channels.
PERAN GENERASI Z DALAM PENGUATAN EKONOMI KREATIF Ummi Khoiriyah; Isfandayani Isfandayani; Mas Deden Tirtajaya
DEVOSI Vol 3 No 2 (2022): Devosi Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v3i2.4580

Abstract

Creative economy is a catch in thinking to get things that are economical. However, the contribution of Generation Z to the creative economy is still small, one of which is Generation Z in Sukarukun Village. This study aims to build the role of Generation Z in strengthening the creative economy. The implementation method in this activity uses the community education method by providing socialization, training and assistance to children and adolescents related to the creative economy which aims to increase public understanding and increase awareness of the importance of Generation Z's role in strengthening the creative economy. The results of this activity show that increasing insight related to the creative economy, Generation Z can make products about the creative economy by making handicrafts in the form of pencil cases that can be of economic value, designing product photos so that they are more attractive using photoroom applications, do product packaging and marketing on social media in the form of whatsapp business, instagram and tiktok.
Analisis Komparatif Kinerja Bank Syariah Berdasarkan Metode Islamic Performance Index Dan RGEC Pada Bank Syariah Di Indonesia Vandarina Ralda; Isfandayani Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 1 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i1.5662

Abstract

This study aims to analyze the comparison of bank performance Sharia General based on Risk Profile, Good Corporate approach Governance (GCG), Earnings, Capital (RGEC) and Islamic Performance Index (IPI). The research period used is 2015-2019. This research using a quantitative approach. The research population covers the entire Bank General Sharia registered with the Financial Services Authority (OJK) for 2015-2019 period. The sample was determined by purposive sampling and obtained 10 Islamic Commercial Banks. This research uses descriptive analysis and using Cartesian RGEC and IPI Charts to determine the Bank's position Sharia General. The results of this study indicate that commercial banks Sharia is in a different quadratic. Bank Muamlat Indonesia, BNI Syariah and Bank Syariah Mandiri are in the Upper Left Quadrant (ULQ) which means the value of the Islamic Performance Index (IPI) is high but the value of The RGEC is low. Then, BRI Syariah in the Lower Left Quadrant (LLQ) which means that the RGEC and Islamic Performance Index (IPI) values ​​are low.Furthermore, Victoria Sharia Bank, Panin Dubai Sharia Bank, Sharia Bank Bukopin and BCA Syariah in the Upper Right Quadrant (URQ) which it means that the RGEC and Islamic Performance Index (IPI) values ​​are high. Whereas,Bank Jabar Banten (BJB) Syariah and Bank Mega Syariah in the Lower quadrant Right Quadran (LRQ) which means the RGEC value is high but Islamic His Performance Index (IPI) is low.
Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah BUMN dan Non BUMN dengan Metode RGEC Hafiz Santak Taram; Isfandayani Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5723

Abstract

This study aims to analyze the comparison of the financial performance of BUMN Islamic commercial banks and BUMN Non Islamic commercial banks on the variables of Risk Profile, Good Corporate Governance, Earnings, and Capital (RGEC) for the 2017-2020 period represented by the ratio of Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operating Expenses to Operating Income (BOPO), Good Corporate Governance (GCG), Return On Assets (ROA), Return On Equity (ROE), and Capital Adequacy Ratio (CAR). The results of this study show that of the 7 ratios analyzed, there are 5 ratios with significant differences between the financial performance of BUMN Islamic commercial banks and Non BUMN Islamic commercial banks during the 2017-2020 period, namely FDR with a significance of 0.000, BOPO with a significance of 0.011 Good Corporate Governance with a significance of 0.011. 0.003 significance, ROA with 0.024 significance, and ROE with 0.020 significance. While the NPF ratio with a significance of 0.921, CAR with a significance of 0.744, and RGEC Composite Rating with a significance of 0.510 there is no significant difference between the financial performance of BUMN Islamic commercial banks and non-BUMN Islamic commercial banks during the 2017-2020 period. The last analysis on the consolidated financial performance assessment of all RGEC variables shows that the performance of BUMN Islamic commercial banks is not better than the performance of Non-BUMN Islamic commercial banks where the average composite value for 4 years is the performance of BUMN Islamic commercial banks (80%).
PERAN PERBANKAN SYARIAH TERHADAP BAZNAS KOTA BEKASI Annie Faridha Farachdina; Isfandayani Isfandayani; Siti Mardiah
At-Tamwil: Journal of Islamic Economics and Finance Vol 1 No 2 (2022): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v1i2.5725

Abstract

Zakat has a goal to improve the economic welfare of mustahiq. BAZNAS (National Amil Zakat Agency) is an institution for the collection and distribution of zakat owned by the Indonesian government. The presence of Islamic banking is expected to be able to play a role in realizing the goals of zakat and BAZNAS programs. This study discusses the role of Islamic Banking in Bekasi City BAZNAS. The research used is qualitative with primary and secondary data. The data collection techniques used are observation, interviews, and documentation. The results of this study indicate that the Islamic banks that have collaborated with BAZNAS Bekasi City are BTN Syariah, BJB Syariah, and Mega Syariah, with several cooperation programs. The role of Islamic Banking in Bekasi City BAZNAS using Maqashid Syariah analysis has been achieved, but in terms of funding it has not been optimal.
PENGARUH FLUKTUASI HARGA EMAS DAN TINGKAT INFLASI TERHADAP PENYALURAN PEMBIAYAAN GADAI EMAS PADA BJB SYARIAH Eva Kholifah; Isfandayani Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 13 No 2 (2022): 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.v13i2.5757

Abstract

This research was conducted to determine the effect of gold price fluctuations and levels on the distribution of rahn financing on gold pawn products at Bank BJB Syariah KCP Cikarang for the 2017-2020 period. Hypothesis testing using multiple linear regression analysis. The study's results partially show that the fluctuation variable in the price of gold has a positive and significant effect on the distribution of rahn financing. At the same time, the inflation rate variable has no significant effect on the distribution of rahn financing. Simultaneously, the independent variables of gold price fluctuations and the inflation rate significantly affect the dependent variable of rahn financing distribution, with an R Square value of 0.705 or 70.5%. At the same time, other factors influence the remaining 29.5%. These factors include income, location of operational offices, number of customers, and service products provided. Sharia is better than Bank BJB Syariah.
MEMBUMIKAN ILMU WARIS SEBAGAI SOLUSI KONFLIK ANTAR SAUDARA AKIBAT PEREBUTAN HARTA WARIS Muhammad Basirrudin; Isfandayani Isfandayani; Ria Mariginingsih
An-Nizam Vol 1 No 3 (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.v1i3.3379

Abstract

Inheritance is property left by someone who has died, then the property is distributed to those who are entitled to receive it. In Islam, provisions regarding inheritance have been regulated, then it becomes a branch of science called inheritance science which contains discussions related to the provisions regarding inheritance. These provisions are regulated in order to create justice and benefit, not the other way around, namely conflicts and divisions between heirs. However, in reality, there are still many conflicts and divisions in society due to the distribution of inheritance. The activities carried out in this program are inheritance training which was attended by 23 youths from youth organizations in the North Bekasi area. The implementation of the program activity "Embracing Inheritance as a Solution to Conflicts Between Siblings Due to Conquest of Inheritance" Alhamdulillah gave a positive impact for participants who took part in inheritance training activities, they became aware of Islamic Shari'a regarding inheritance, the provisions that Allah has regulated in al-Qur'an, and they understand the importance of understanding and knowing inheritance in Islam, from its provisions to its wisdom. And in particular, there were some participants who were able to understand to the stage of calculating the distribution of inheritance.
Merdeka Learning Campus Curriculum Design: A Review toward Islamic Banking Study Program in Universitas Islam 45 Purnama Putra; Rizal Fahlevi; Rafika Rahmawati; Isfandayani Isfandayani
PARADIGMA : JURNAL ILMU PENGETAHUAN AGAMA, DAN BUDAYA Vol 20 No 1 (2023): 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.v20i1.5932

Abstract

The development of Islamic Financial Institutions over the last few decades has experienced a significant increase. This increase should be followed by the provision of human resources that are useful as motors in these Islamic financial institutions. The Islamic Banking Department is one of the main partners in the Islamic finance industry in ensuring the availability of human resources. The curriculum that is used as learning outcomes must be synergized with the industrial world and market needs. A link and match synergy between higher education service providers with output in the form of competent graduates and the availability of jobs is urgently needed. Islamic University 45 with a major in Islamic banking carried out stages in designing a curriculum involving associations, representatives of Islamic financial institutions, representatives of Vocational Schools, Alumni and Experts in order to obtain a curriculum that is able to adapt to changes and market needs. The steps for compiling the curriculum are in accordance with systematic stages and reduce the gap between the world of education and the world of the Islamic finance industry.
Analisis Kinerja Karyawan Bank Syariah berdasar Quality Of Work Life dan Burnout Nur Ahmad Fadillah; Isfandayani Isfandayani
At-Tamwil: Journal of Islamic Economics and Finance Vol 2 No 1 (2023): At-Tamwil: Journal of Islamic Economics and Finance
Publisher : LPPM Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/attamwil.v2i1.7063

Abstract

The purpose of this study was to determine the effect of Quality of Work Life and Burnout on the performance of Bank BTN Syariah Bekasi Branch Office employees. This research was conducted at Bank BTN Syariah Bekasi Branch Office. This study uses quantitative methods with data analysis techniques using SEM PLS (Structural Equation Model - Path Least Square) analysis. Based on the results of the analysis it is known that Quality of Work Life has a positive and significant effect on the performance of Bank BTN Syariah employees, Burnout also has a positive and significant effect on the performance of Bank BTN Syariah Bekasi Branch Office employees. This shows that the better the quality of work life provided by the company, the higher the performance produced, while the higher the level of burnout management obtained, it can affect the performance of the company's employees.
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