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All Journal MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Akademika : Jurnal Keagamaan dan Pendidikan IJIEF: Indonesian Journal of Islamic Economics and Finance
Trimulato Trimulato
Universitas Muhammadiyah Parepare
Religion Arts Humanities Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Implementasi Bangunan Ekonomi Islam pada Produk Pembiayaan Mudharabah di Bank Syariah Trimulato Trimulato
Akademika: Jurnal Keagamaan dan Pendidikan Vol 12, No 2 (2016)
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (221.01 KB)

Abstract

Shariah banking has had a strong legal law in the presence of shariah banking Act number 21 of 2008. The presence of shariah banking in Indonesia are increasingly in demand by the public. Currently the market share of shariah banking has translucent 5%, and the asset side continues to rise well. Shariah banking attached profit and loss sharing system, only financing products in shariah banking still dominated by the sale and purchase murabahah financing. Murabahah financing accounted for 60, 725%. While the contract for the results contribute only 39.275%. Shariah banking are part of Islamic economics can not be separated, so that all the products of shariah banking should be in line with the concept of building an Islamic economy. The aim of research to determine the development of financing in shariah banking and Islamic economics implemtasi building on the product of financing in shariah banking. The results of this paper shows the development of financing products in the development of shariah banking was minimal. With an average growth of only about 3,326%. Thus need support in order to continue to be developed. Products of financing has fulfilled the concept of building an Islamic economy, only one thing that does not fit that assurance requirements specified on the product of financing in Islamic banks, is considered unfair to customers  funds.[Perbankan syariah telah memiliki payung hukum yang kuat dengan hadirnya UU perbankan syariah nomor 21 tahun 2008. Keberadaan bank syariah di indonesia makin diminati oleh masyarkat. Saat ini pangsa pasar bank syariah telah tembus 5 %, dan sisi aset terus meningkat dengan baik. Bank syariah melekat dengan sistem bagi hasil, hanya saja produk pembiayaan di bank syariah masih didominasi oleh pembiayaan jual beli murabahah. Pembiayaan dengan akad murabahah berkontribusi sebesar 60, 725 %. Sedangkan akad bagi hasil hanya berkontribusi 39,275 %. Bank syariah bagian dari ekonomi islam yang tidak bisa dipisahkan, sehingga semua produk bank syariah harus sejalan dengan konsep bangunan ekonomi islam. Tujuan penelitian untuk mengetahui perkembangan pembiayaan mudharabah di bank syariah dan implemtasi bangunan ekonomi islam pada produk pembiayaan mudharabah di bank syariah. Hasil dari tulisan ini menunjukkan adanya perkembangan produk pembiayaan mudharabah di bank syariah perkembangannya sangat minim. Dengan rata-rata pertumbuhan hanya sekitar 3,326 %. Sehingga butuh dukungan agar terus dikembangkan. Produk pembiayaan mudharabah telah memenuhi konsep bangunan ekonomi islam, hanya saja ada satu hal yang tidak sesuai yaitu persyaratan jaminan yang ditetapkan pada produk pembiayaan mudharabah di bank syariah, dianggap tidak adil bagi nasabah pengelolah dana.]
Urgensi Penerapan Celestial Management Bagi Sumber Daya Manusia Di Bank Syariah Trimulato Trimulato
Muslim Heritage Vol 1, No 1 (2016): Muslim Heritage
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (144.437 KB) | DOI: 10.21154/muslimheritage.v1i1.502

Abstract

Abstract: Islamic banking currently has a strong legal law with the presence of the law number 21 of 2008 on banking syari'ah.Hal This adversely affects the existence of the banking Shari'ah are increasingly in demand by many. Islamic bank continues to grow and continue to open office services in various areas. Thus iru development of Islamic banks must be matched with adequate resources and qualified. Noted labor in Islamic banks continued to grow, from November 2014 to November 2015 grew to 23.51%. Not only the quantity but the quality should also be considered, it takes a celestial concept should be applied for the Management of human resources in Islamic banks. This paper uses a descriptive qualitative limitations in this paper is focused on the human resources that exist in the Islamic bank. The need for the application of celestial management for human resources in the bank syariahi. The results of this paper that the human resources in Islamic banks is growing, then the need for the application of celestial management for human resources in Islamic banks to create good quality. Because the Islamic bank is an institution whose business is inseparable from the rule of religion or spiritual aspect.Abstrak: Perbankan syari’ah saat ini telah memiliki payung hukum yang kuat dengan hadirnya undang-undang nomor 21 tahun 2008 tentang perbankan syari’ah.Hal ini sangat berpengaruh terhadap eksistensi dari perbankan syari’ah yang semakin diminati oleh banyak kalangan. Bank syari’ah terus berkembang dan terus membuka layanan kantor di berbagai daerah. Maka dari iru perkembangan bank syariah harus diimbangi dengan sumber daya yang mencukupi dan berkualitas. Tercatat tenaga kerja di bank syariah terus bertambah, dari November 2014 sampai November 2015 mengalami pertumbuhan hingga 23,51%. Tidak hanya dari kuantitas tapi kualitas juga harus diperhatikan, dibutuhkan sebuah konsep celestial manajement yang harus diterapkan bagi sumber daya manusia di bank syariah. Penulisan ini menggunakan jenis deskriptif kualitatif, Batasan dalam tulisan ini difokuskan pada sumber daya manusia yang ada di bank syari’ah. Perlunya penerapan celestial management bagi sumber daya manusia di bank syariahi. Hasil dari tulisan ini bahwa sumber daya manusia di bank syariah mengalami pertumbuhan,kemudian perlunya penerapan celestial management bagi sumber daya manusia di bank syariah untuk menciptakan kualitas yang baik. Karena bank syariah adalah lembaga bisnis yang tidak terlepas dari aturan agama atau aspek spiritual.
Implementasi Bangunan Ekonomi Islam pada Produk Pembiayaan Mudharabah di Bank Syariah Trimulato Trimulato
Akademika: Jurnal Keagamaan dan Pendidikan Vol. 12 No. 2 (2016): Akademika: Jurnal Keagamaan dan Pendidikan | Desember 2016
Publisher : STAIN Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56633/jkp.v12i2.12

Abstract

Shariah banking has had a strong legal law in the presence of shariah banking Act number 21 of 2008. The presence of shariah banking in Indonesia are increasingly in demand by the public. Currently the market share of shariah banking has translucent 5%, and the asset side continues to rise well. Shariah banking attached profit and loss sharing system, only financing products in shariah banking still dominated by the sale and purchase murabahah financing. Murabahah financing accounted for 60, 725%. While the contract for the results contribute only 39.275%. Shariah banking are part of Islamic economics can not be separated, so that all the products of shariah banking should be in line with the concept of building an Islamic economy. The aim of research to determine the development of financing in shariah banking and Islamic economics implemtasi building on the product of financing in shariah banking. The results of this paper shows the development of financing products in the development of shariah banking was minimal. With an average growth of only about 3,326%. Thus need support in order to continue to be developed. Products of financing has fulfilled the concept of building an Islamic economy, only one thing that does not fit that assurance requirements specified on the product of financing in Islamic banks, is considered unfair to customers  funds.[Perbankan syariah telah memiliki payung hukum yang kuat dengan hadirnya UU perbankan syariah nomor 21 tahun 2008. Keberadaan bank syariah di indonesia makin diminati oleh masyarkat. Saat ini pangsa pasar bank syariah telah tembus 5 %, dan sisi aset terus meningkat dengan baik. Bank syariah melekat dengan sistem bagi hasil, hanya saja produk pembiayaan di bank syariah masih didominasi oleh pembiayaan jual beli murabahah. Pembiayaan dengan akad murabahah berkontribusi sebesar 60, 725 %. Sedangkan akad bagi hasil hanya berkontribusi 39,275 %. Bank syariah bagian dari ekonomi islam yang tidak bisa dipisahkan, sehingga semua produk bank syariah harus sejalan dengan konsep bangunan ekonomi islam. Tujuan penelitian untuk mengetahui perkembangan pembiayaan mudharabah di bank syariah dan implemtasi bangunan ekonomi islam pada produk pembiayaan mudharabah di bank syariah. Hasil dari tulisan ini menunjukkan adanya perkembangan produk pembiayaan mudharabah di bank syariah perkembangannya sangat minim. Dengan rata-rata pertumbuhan hanya sekitar 3,326 %. Sehingga butuh dukungan agar terus dikembangkan. Produk pembiayaan mudharabah telah memenuhi konsep bangunan ekonomi islam, hanya saja ada satu hal yang tidak sesuai yaitu persyaratan jaminan yang ditetapkan pada produk pembiayaan mudharabah di bank syariah, dianggap tidak adil bagi nasabah pengelolah dana.]
Analisis Potensi Pengembangan Pembiayaan Natural Uncertainty Contract (NUC) pada Sektor Produktif di Bank Pembiayaan Rakyat Syariah (BPRS) Trimulato Trimulato
IJIEF: Indonesian Journal of Islamic Economics and Finance Vol. 1 No. 1 (2018): Indonesian Journal of Islamic Economics and Finance
Publisher : Department of Islamic Economics, Postgraduate Program, UIN Kiai Haji Achmad Siddiq, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/ijief.v1i1.29

Abstract

The growth of Islamic banks in Indonesia is getting better. People who interested in using Islamic bank products continues to arise. The market share of Islamic banks currently has reached 5.8 percent of the total market share of banks nationally. Natural Uncertainty Contract (NUC) with profit sharing pattern using mudharabah and musyarakah contracts is one of the productive financing products of Islamic bank which is not owned by conventional bank. However, in Islamic rural banks (BPRS), nonproductive financing is more dominant. This qualitative study would like to explain the financing of NUC in the BPRS. The result shows that the growth of NUC financing is still very small, musharaka only grew 0.23 percent and mudharabah decreased by 20.23 percent during 2016-2017. Overall, financing distribution in BPRS is still dominated by consumptive financing, amounting to 46.07 percent. While for productive financing has not become a priority in the BPRS. Keywords: BPRS, Natural Uncertainty Contract.
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