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All Journal Al-Qanun: Jurnal Pemikiran dan Pembaharuan Hukum Islam El Dinar Jurnal Ilmiah Ekonomi Islam Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal QIEMA (Qomaruddin Islamic Economics Magazine) El-Qist : Journal of Islamic Economics and Business (JIEB) ISTIKHLAF: Jurnal Ekonomi, Perbankan & Manajemen Syariah Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ekonomi dan Bisnis Islam (JEBI) Al Fiddhoh: Journal of Banking, Insurance, and Finance Maliki Islamic Economics Journal Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ecobankers : Journal of Economy and Banking
Muhammad Yazid
Fakultas Ekonomi Dan Bisnis Islam, UIN Sunan Ampel Surabaya
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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Implementasi Akad Mudharabah Mutlaqah Pada Tabungan Haji IB Amanah Terhadap Profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk.: Implementation of Mudharabah Mutlaqah Agreement on Hajj Savings IB Amanah on Profitability of PT Bank Pembangunan Daerah Jawa Timur Tbk. Nada El Nadia; Masadah; Muhammad Yazid; Muhammad Iqbal Surya Pratikto; Nurul Fatma Hasan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.16-34

Abstract

Penelitian ini bertujuan untuk menjawab pertanyaan mengenai bagaimana implementasi akad Mudharabah Mutlaqah pada Tabungan Haji IB Amanah dan bagaimana pengaruhnya terhadap profitabilitas PT Bank Pembangunan Daerah Jawa Timur Tbk. Jenis penelitian yang dilakukan dalam penelitian ini adalah penelitian lapangan dengan menggunakan metode penelitian kualitatif dan pendekatan deskriptif. Hasil penelitian yang diperoleh menunjukkan bahwa, 1) Implementasi akad mudharabah mutlaqah pada Tabungan Haji IB Amanah di PT Bank Pembangunan Daerah Jawa Timur Tbk sudah sesuai dengan ketentuan fatwa DSN-MUI No.02/DSN-MUI/IV/2000 Tentang Tabungan dengan prinsip mudharabah. 2) Bank mendapatkan bagian 90% atas bagi hasil Tabungan Haji IB Amanah, profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2019 adalah Rp17.998.535.314 menyumbang 1,31% dari laba tahun berjalan senilai Rp1.376.505 T. Kemudian, profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2020 adalah Rp18.503.080.413 menyumbang 1,25% dari laba tahun berjalan senilai Rp1.488.962 T. Sedangkan profitabilitas yang diperoleh Bank dari Tabungan Haji IB Amanah di tahun 2021 sebesar Rp19.340.802.000 menyumbang 1,27% dari total laba tahun berjalan 2021 senilai Rp1.523.070 T.   This study aims to answer questions about how implementing the Mudharabah Mutlaqah contract on Hajj IB Amanah Savings affects the profitability of PT Bank Pembangunan Daerah Jawa Timur Tbk. This study's research type was field research using qualitative research methods and a descriptive approach. The research results obtained show that; 1) The implementation of the mudharabah mutlaqah contract on IB Amanah Hajj Savings at PT Bank Pembangunan Daerah Jawa Timur Tbk is following the provisions of the DSN-MUI fatwa No.02/DSN-MUI/IV/2000 concerning Savings with the principle of mudharabah. 2) The Bank gets a 90% share of the profit sharing of the Amanah Hajj IB Savings; the profitability obtained by the Bank from the Amanah Hajj IB Savings in 2019 is IDR 17,998,535,314 contributing 1.31% of the profit for the year amounting to IDR 1,376,505 T. Then, the profitability obtained by the Bank from the IB Amanah Hajj Savings in 2020 was IDR 18,503,080,413, contributing 1.25% of the current year’s profit of IDR 1,488,962 T. Meanwhile, the profitability obtained by the Bank from the Amanah Hajj IB Savings in 2021 was IDR 19,340,802,000 contributed 1.27% of the total profit for the year 2021 of IDR 1,523,070 T.  
Coexistence And Survival Strategy Model In BMT In Indonesia Satria Yudha Bimantara; Muhammad Yazid
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 1 (2023): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 202
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v9i1.933

Abstract

Through fatwa, the legal basis for the enactment of BMT in Indonesia, which acts as a fund collection and financing, all BMTs in Indonesia have a board responsible for supervising the consistency of the application of Sharia principles. Based on fatwa 130/DSN-MUI/X/2019 Guidelines for Deposit Insurance Institutions in the Implementation of Handling or Settlement of Islamic Banks Experiencing Solvency Problems, making the Sharia supervisory board continues to be an existence that needs to be considered more, related to Sharia principles in Sharia business contracts and treaties. Supported by Fatwa 90 / DSN-MUI / XII / 2013 Transfer of Murabahah Financing Between Islamic Financial Institutions (LKS), where people can obtain significant prosperity by knowing BMT. This institution is expected to continue to develop in the wider community to help or serve the community in the long term so that BMT can be ensured to live sustainably. The development of bmt in the future still needs reference as a reference for more advanced production in learning its evolution. This study uses a descriptive-qualitative research design with a juridical-normative approach to analyze the legal aspects related to BMT (Baitul Maal wat Tamwil). The data collection process involves gathering information from various reputable sources. The collected data is analyzed qualitatively with a juridical-normative approach, and the findings are verified through peer review and consultation with legal experts. The study provides insights into the legal principles and regulations governing BMT operations and proposes recommendations to close any gaps or inconsistencies in the legislation.
Prinsip Manajemen Pembiayaan Lembaga Non Bank Syariah (Studi Kasus KSPPS BMT Khoiru Ummah Jawa Timur) Agustin Mila Arlina; Muhammad Yazid; Ahmad Agus Hidayat
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9712

Abstract

Islamic financial institutions are divided into two main categories: Islamic banking institutions and non-banking Islamic financial institutions. One common form of Islamic financial institution found in society is the Shariah-based Savings and Loans Cooperative, which is a microfinance institution. Shariah-based financing involves the provision of funds or receivables based on a contract or agreement between the Savings and Loans Cooperative and another party, obligating the financed party to repay the funds or receivables after a specified agreed-upon period. Regarding financing, the Shariah-based Savings and Loans Cooperative requires financial analysis to ensure that cooperative members are capable of repaying the received financing. When applying for financing at the BMT Khoiru Ummah Savings and Loans Cooperative in East Java, applicants must go through several stages in accordance with the procedures established by the BMT Khoiru Ummah Savings and Loans Cooperative. Firstly, the applicant is required to become a member by opening an account at the BMT Khoiru Ummah Savings and Loans Cooperative. Then, they follow the financing procedure, which includes submitting a financing application, undergoing administrative selection and fulfilling document requirements, undergoing a survey process, evaluation by the committee, purchasing the desired goods, entering into a contractual agreement, delivering the goods or funds, and finally making installment payments and full repayment by the members.
Implementasi Pembiayaan Akad Mudharabah Terhadap Usaha Mikro Kecil Alifatul Mujahadah; Muhammad Yazid
Ecobankers : Journal of Economy and Banking Vol 3 No 2 (2022): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Mudharabah adalah akad kerjasama bisnis antara dua perkumpulan dimana pihak utama (shahibul mal) memberikan seluruh modal (100 persen), sedangkan pihak berikutnya (mudharib) berubah menjadi direktur. Modal kerja syariah (PMK) adalah dukungan sesaat yang diberikan kepada organisasi untuk mendanai kebutuhan modal kerja sesuai dengan standar syariah. Jangka waktu pendukung modal yang berfungsi adalah 1 (satu) tahun dan dapat ditempuh tergantung situasi. Akan tetapi jika usaha tersebut gagal atau mengalami kerugian yang telah dilakukan oleh pemilik modal maka biaya kerugian akan ditanggung sepenuhnya pemodal, jika kerugian itu dikarenakan kelalaian dari pihak pengelolanya maka kerugian sepenuhnya akan di tanggung oleh mudharib atau pengelolanya. usaha mikro adalah penghibur terbesar di bidang keuangan berpartisipasi dalam pertukaran dan administrasi. Secara umum, persoalan yang dilirik oleh para pelaku usaha miniatur adalah persoalan permodalan, di mana para visioner usaha mini dan kecil tidak memiliki arus kas usaha yang memadai untuk mempertahankan usaha. Mengingat jumlah UMKM yang terus berkembang. Model pembiayaan UMKM dengan contoh PKM dapat membantu kebebasan UMKM dalam mengontrol kebutuhan akan aset untuk mempertahankan bisnis. Namun, sekali lagi ada banyak penghalang dalam berkomunikasi pendanaan dengan mudharabah bersekongkol sehingga bank syariah sangat berhati-hati dalam saluran itu.
Mekanisme dan Implementasi Pengelolaan Dana Pensiun Syariah Terhadap Fatwa DSN-MUI Nomor 88/DSN-MUI/XI/2013 pada Bank Syariah Indonesia Cabang Gresik Walid In'am Ahmad; Muhammad Yazid
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 3 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i3.5767

Abstract

This study aims to analyze the mechanism and implementation of sharia pension fund management against the DSN MUI fatwa number 88 DSN MUI XI in 2013 where the object of the study was conducted at Bank Syariah Indonesia, Gresik branch. The study uses a descriptive qualitative research type where this study functions to provide a direct explanation of the phenomenon being studied using data obtained directly from the research object being studied. This study in conducting data analysis uses the Miles and Hubberman method, namely data reduction then continued with data presentation and ended with drawing conclusions. This study was taken using secondary data where the source of information provided came from the official website of Bank Syariah Indonesia and also various journals and references related to the title of the study. The results of this study are intended to determine how the mechanism and implementation of the management of sharia pension funds against the DSN MUI fatwa number 88 DSN MUI XI in 2013 at the BSI Gresik branch where in the management process it avoids gharar, maysir and also usury and remains in accordance with Islamic principles for the mechanism itself is divided into 7 parts including sharia contracts, fundraising, sharia investment, distribution of investment results, risk management, disbursement of pension funds and the last is compliance and supervision of sharia in BSI products that are related to sharia pension funds is BSI berkah where this product is a creation of Bank Syariah Indonesia in assisting customers to prepare pension funds while remaining compliant with sharia principles
Co-Authors Abdullah Faqihuddin Agustin Mila Arlina Ahmad Agus Hidayat Aji Prasetyo, Aji Alifatul Mujahadah Alysia Qotrunnada Dian Aprissa Dyah Ayu Sekar Sukmaningrum Ika Nazilatur Rosida Jasmine Annisa Putri Cahyono Masadah Mustofa Mustofa Nada El Nadia Nurul Fatma Hasan Pratikto, Muhammad Iqbal Surya Satria Yudha Bimantara Walid In'am Ahmad Yulia Kurnia Firdausia