Article Per Year (5 Year)
p-Index From 2021 - 2026
13.839
P-Index
This Author published in this journals
All Journal Parole: Journal of Linguistics and Education PRASI: Jurnal Bahasa, Seni, dan Pengajarannya AKSIOMA Jurnal Pendidikan Matematika Alchemy : Journal of Chemistry Laa Maisyir Jurnal Ekonomi Islam Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Intizar I-ECONOMICS: A Research Journal on Islamic Economics POROS TEKNIK INTEKNA Jurnal Matematika dan Statistika serta Aplikasinya (Jurnal MSA) Al-Ahwal: Jurnal Hukum Keluarga Islam JURNAL BIOLOGI INDONESIA Jurnal ELTIKOM : Jurnal Teknik Elektro, Teknologi Informasi dan Komputer Jurnal Sains Teknologi dan Lingkungan (JSTL) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam As-syifaa Jurnal Farmasi JURNAL MANAJEMEN MOTIVASI Syntax Literate: Jurnal Ilmiah Indonesia INOVTEK Polbeng - Seri Informatika Jurnal Darussalam: Jurnal Pendidikan, Komunikasi dan Pemikiran Hukum Islam Pendas : Jurnah Ilmiah Pendidikan Dasar Pendekar : Jurnal Pendidikan Berkarakter Ganaya: Jurnal Ilmu Sosial dan Humaniora Chemistry Indonesian Journal of Chemical Research SENTRALISASI SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI Proceedings of the International Conference on Applied Science and Health NISBAH: JURNAL PERBANKAN SYARIAH Walisongo Journal of Chemistry JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JURNAL MANAJEMEN BISNIS Journal of Innovative Science Education Jurnal IMPACT: Implementation and Action LOYALITAS: Jurnal Pengabdian Kepada Masyarakat JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam Islamika: Jurnal Keislaman dan Ilmu Pendidikan JURNAL EKSBIS Balance Vocation Accounting Journal International Journal of Economics, Business and Accounting Research (IJEBAR) Tasharruf: Journal Economics and Business of Islam Jurnal Sains dan Teknologi EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Educational Chemistry (JEC) Al-Mal:Jurnal Akuntansi dan Keuangan Islam LEGAL BRIEF Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Jurnal Ekonomi Efektif JURNAL MANAJEMEN AKUNTANSI (JUMSI) SADE Jurnal Arsitektur, Planologi dan Teknik Sipil Jurnal Agrisistem Proceedings Series on Health & Medical Sciences Journal of Aafiyah Health Research (JAHR) Journal of Student Development Informatics Management (JoSDIM) Dialektika Jurnal Pendidikan Bahasa Indonesia Jurnal Pengabdian Masyarakat Bhinneka Journal of Training and Community Service Adpertisi Neo Journal of economy and social humanities Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomika Manajemen Dan Bisnis Journal of Management and Administration Provision Journal of Artificial Intelligence and Digital Business Studies in English Language and Education Mandiri: Jurnal Akuntansi dan Keuangan Al Mabhats : Jurnal Penelitian Sosial Agama Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Jurnal Ekonomi Syariah Journal of Economics and Management Scienties Hikmayo: Jurnal Pengabdian Masyarakat Jurnal Literasi dan Pembelajaran Indonesia IIJSE Jurnal Kewirausahaan dan Inovasi VISA: Journal of Vision and Ideas Da'watuna: Journal of Communication and Islamic Broadcasting Horizon: Indonesian Journal of Multidisciplinary Jurnal Abdimas Independen Al-khidmah: Jurnal Pengabdian dan Pendampingan Masyarakat ABDIMU: Jurnal Pengabdian Muhammadiyah Alamtana Ecobankers : Journal of Economy and Banking Jurnal Ekonomi dan Bisnis Jurnal Pendidikan MIPA As-Syirkah: Islamic Economic & Financial Journal JIFA (Journal of Islamic Finance and Accounting) AKSIOMA Nosipakabelo: Jurnal Bimbingan dan Konseling Keislaman ABDISUCI: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Nurul Inayah
Universitas Lampung
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

Published : 132 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 132 Documents
Search

 7   8   9   10   11 
Analysis of Halal Fashion Business Development Strategies in Medan City Nasution, Hafizah Mahira; Rahma, Tri Inda Fadhila; Inayah, Nurul
SENTRALISASI Vol. 14 No. 2 (2025): May
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v14i2.4457

Abstract

The halal industry continues to be an important issue in Indonesia, including in Medan City.  This study aims to analyze the development strategy of Umama Gallery Medan halal fashion and formulate effective alternative strategies by analyzing internal and external factors to face competition in the Halal Fashion industry in Medan City. This research uses mixed-method methodology by using SWOT analysis and QSPM approaches.  The results of this study indicate that the SWOT analysis of Umama Gallery Medan is in quadrant I which supports aggressive strategies so that the suitable strategy used is the SO (Strength - Oppurtunity) strategy 1) Develop product variations in accordance with Muslim fashion trends to remain competitive, 2) Expand marketing through e-commerce platforms, and 3) Increase collaboration with influencers and hijabers communities to strengthen brand image. And QSPM analysis, obtained alternative strategies that are suitable for Umama Gallery Medan, namely ST (Strength - Threat) 1) Increase product innovation regularly to anticipate changes in fast fashion trends, 2) Maintain product quality to remain superior to competitors in the midst of intense market competition. The most appropriate alternative strategy for Umama Gallery Medan is the S-O (Strength-Opportunities) strategy with an aggressive growth approach. This strategy includes the development of product variations that align with Muslim fashion trends to maintain competitiveness in the market.
Analysis of Islamic Bank Marger Policy in the Profitability Level of Indone-sian Islamic Bank, Kutacane Branch Office Hafizah, Raisya; Anggraini, Tuti; Inayah, Nurul
LEGAL BRIEF Vol. 14 No. 2 (2025): June: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v14i2.1302

Abstract

This study aims to analyze the influence of merger policy on bank profitability levels with a case study at Bank Syariah Indonesia (BSI) Kutacane Branch Office. Since the merger of several national Islamic banks into one entity, namely BSI, there have been various changes in both operational and financial performance. One important indicator that is the focus of attention is profitability, which is measured by Return on Assets (ROA), Return on Equity (ROE), and profit margin. This study uses a quantitative approach with descriptive and comparative analysis methods. Data were taken from the financial statements of BSI KC Kutacane before and after the merger, and analyzed using a comparative method. The results of the study indicate that there are significant changes in the level of profitability post-merger. Factors such as operational efficiency, increasing the number of customers, and synergy between business units contribute to increased profitability. However, challenges in adjusting management and system integration also have a temporary impact on several financial indicators. The conclusion of this study shows that the merger policy has a positive impact on long-term profitability, although it requires adjustment and good management in the early stages after the merger. The recommendation given is to increase the focus on optimizing services and managing risks to maintain a positive trend in profitability in the futur
Tinjauan Hukum Islam Terhadap Praktik Jual Beli Tanah (Stadi Kasus Di Desa Karangdoro Kecamatan Tegalsari Kabupaten Banyuwangi) Syafa’at, Abdul Kholiq; Inayah, Nurul; Syafaat, Muhtar
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 3 No. 2 (2023): Juli 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v3i2.2485

Abstract

This study aims to determine the practice of buying and selling land in Karangdoro Village, Tegalsari District, Banyuwangi Regency and to find out an overview of Islamic law on the practice of buying and selling land in Karangdoro Village, Tegalsari District, Banyuwangi Regency. The type of research used by the authors in completing this thesis is qualitative descriptive research. The analytical tool used in this study is an interactive model. The results obtained from research regarding the practice of buying and selling land in Karangdoro Village. In buying and selling through a broker, a broker gets 5% of the sales proceeds, where the percentage has become local custom or takes from the addition of the selling price of the land. In addition, usually when a land owner asks for a net price from the sale of land. after knowing the price demanded by the land owner, the broker will find a buyer and offer the goods. After the broker has agreed on a price with the buyer, the buyer will meet with the land owner to enter into an agreement or agreement. The sale and purchase transaction of land in Karangdoro Village is valid according to Islamic law, because it complies with the terms and conditions of sale and purchase, and the addition of prices by brokers in selling land is permissible under Islamic law because they have obtained permission from the land owner. So from the results of the research that the researchers did, it can be concluded that the provisions of Islamic law regarding the practice of buying and selling land in Karangdoro Village, Tegalsari District, Banyuwangi Regency, the practice of buying and selling that is carried out is valid because it complies with the terms and pillars of buying and selling and adding prices by the broker is legally permissible Islam.
Analisis Faktor Yang Mempengaruhi Nasabah Non Muslim Menjadi Nasabah Di USPPS Ausath Blokagung Karangdoro Kecamatan Tegalsari Kabupaten Banyuwangi Suprapto, Ribut; Inayah, Nurul; Anjastika, Anggi
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 4 No. 1 (2024): Januari 2024
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v4i1.2916

Abstract

This study aims to determine the effect of religio us stimuli, services, promotions, and profit sharing on the interest of non-Muslim customers at Uspps Ausath Blokagung. (X1), service (X2), promotion (X3), profit sharing (X4) as independent variables and interest of non-Muslim customers (Y) as variables. bound (dependent). Sampling technique with probability sampling. The data collection is done by means of interviews, observation, questionnaires (questionnaire) and documentation. The results showed that the partial test (1) religious stimuli had a positive and significant effect on the interest of non-Muslim customers at Uspps Ausath Blokagung, having a tcount value of 2.987 which is greater than ttable 0.374 with a significant probability level of 0.006 which is smaller than 0.05 which is means significant value. (2) service has no significant effect on the interest of non-Muslim customers in Uspps Ausat Blokagung. (3) promotion has no significant effect on the interest of non-Muslim customers at Uspps Ausath Blokagung. (4) profit sharing has no significant effect on the intention of non-Muslim customers at Uspps Ausath Blokagung. (5) Meanwhile, from the simultaneous testing of the F test, it is known that religious stimuli, services, promotions and profit sharing on the interest of non-Muslim.
Analisis Implementasi Kebijakan Standar Pelayanan Minimal Penyakit Hipertensi di Puskesmas Kalabbirang Kabupaten Pangkep: Policy Implementation Analysis of Minimum Service Standards for Hypertension Disease at Kalabbirang Health Center, Pangkep Regency Inayah, Nurul; Razak, Amran; Batara, Andi Surahman; Gobel, Fatmah Afrianty; Mahmud, Nur Ulmy; Rusydi, Arni Rizqiany
Journal of Aafiyah Health Research (JAHR) Vol. 6 No. 2 (2025): JULY-DECEMBER
Publisher : Postgraduate Program in Public Health, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52103/jahr.v6i2.2065

Abstract

Abstrak Latar Belakang : Standar Pelayanan Minimal (SPM) bidang Kesehatan merupakan acuan bagi Pemerintah Daerah Kabupaten/Kota dalam penyediaan pelayanan Kesehatan yang berhak diperoleh setiap warga secara minimal dengan target SPM wajib 100% setiap tahunnya. Pelaksanaan SPM pada pelayanan penderita hipertensi di Puskesmas Kalabbirang yaitu sebanyak 2499 kasus, namun hanya 499 dengan capaian (41,83%) kasus hipertensi yang mendapatkan pelayanan Kesehatan sesuai standar. Tujuan : Untuk mendapatkan Gambaran secara mendalam tentang analisis implementasi kebijakan standar pelayanan minimal penyakit hipertensi di Puskesmas Kalabbirang. Metode : Jenis penelitian ini adalah analisis kualitatif dengan pendekatan fenomenologi. Metode deskriptif adalah penelitian yang melukiskan, menggambarkan, atau memaparkan keadaan objek yang diteliti sebagai apa adanya, sesuai dengan situasi dan kondisi ketika penelitian tersebut dilakukan. Hasil : Hasil penelitian menunjukkan bahwa komunikasi belum berjalan dengan maksimal, kebijakan SPM hipertensi yang dimuat dalam PMK No. 4 tahun 2019 belum ditransmisikan kepada Masyarakat sebagai sasaran dari kebijakan. Sumber daya manusia masih kurang memadai, disposisi sudah berjalan dengan baik, telah melaksanakan koordinasi dan komitmen melibatkan lintas program dan lintas sektor terkait. Struktur birokrasi sudah berjalan cukup baik. Mekanisme pelaksanaan berjalan sudah berjalan sesuai SOP dengan pedoman peraturan Menteri Kesehatan No. 4 Tahun 2019. Implementasi SPM pelayanan penyakit hipertensi di Puskesmas kalabbirang sudah berjalan cukup baik. Diharapkan dinas Kesehatan Kabupaten pangkep dan Puskesmas kalabbirang agar meningkatkan aspek komunikasi, sumber daya, disposisi dan struktur birokrasi dalam pelaksanaannya. Kesimpulan : Kesimpulan penelitian ini ialah aspek komunikasi, struktur birokrasi serta disposisi dinilai cukup optimal dalam keberhasilan program Keluarga Berencana di Kab. Pangkajene dan Kepulauan. Sedangkan aspek sumber daya belum teraktualisasi dengan baik. Abstract Background: The Family Planning Program aims to plan births in order to improve the welfare of mothers and children and ensure controlled population growth. In Indonesia, the family planning program is based on Law Number 52 of 2009 concerning Population Development and Family Development. Based on data from the DPPKB of Pangkep Regency, there has been a decrease in the number of acceptors in the last 3 years. Objective: To explore the implementation of the family planning program policy in Pangkajene and Kepulauan Regency. Method: This type of research is a qualitative analysis with a phenomenological approach. Data were collected through in-depth interviews with 9 informants. The informant selection technique was purposive sampling. Results: The results of the study showed that the communication aspect was running optimally, as seen from the counseling and promotion of family planning activities that were running well. Although the average family planning acceptor did not participate in counseling because not aware of the activity. In addition, it was found that the human resources aspect was not optimal in terms of quantity, so that family planning counselors had multiple tasks. However, it was considered optimal in terms of quality because all parties had received training. Financial resources and infrastructure are also met because they’re well available. From the disposition aspect, the local government is quite committed because the family planning program can run well, even though this program is not yet based on local regulations, supported by KB officers who are active in the service. Meanwhile, from the aspect of bureaucratic structure, each participants doing the tasks with fragmentation and family planning services have a clear flow according to SOP. Conclusion: The conclusion of this study is that the aspects of communication, bureaucratic structure, and disposition are considered quite optimal in the success of the Family Planning program in Pangkajene and Kepulauan Regency. Meanwhile, the resource aspect hasn’t been properly actualized.
Analisis Kesesuaian Perlakuan Akuntansi Murabahah Berdasarkan PSAK 102 Di BMT Usaha Artha Sejahtera Surepno, Surepno; Inayah, Nurul
Al-Mal: Jurnal Akuntansi dan Keuangan Islam Vol. 3 No. 1 (2022): Juni 2022
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/al-mal.v3i1.10812

Abstract

Penelitian ini bertujuan untuk menganalisis perlakuan akuntansi murabahah pada BMT Usaha Artha Sejahtera yang disesuaikan dengan PSAK 102. Jenis penelitian yang digunakan dalam penelitian ini adalah penelitian kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data yang digunakan terdiri dari wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa masih ada perlakuan akuntansi yang belum sepenuhnya sesuai dengan PSAK”102 yaitu saat terjadi pengakuan dan pengukuran aset murabahah BMT Usaha Artha Sejahtera“tidak melakukan pengakuan aset murabahah sebesar harga perolehan barang, tidak menggunakan rumus tertentu dalam menentukan margin murabahah, BMT”tidak mengenakan denda kepada nasabah tetapi memberikan surat teguran sesuai dengan kebijakan pihak BMT. Keterbatasan pada penelitian ini yaitu objek pengamatan penelitian terfokus pada BMT sehingga membuka peluang bagi peneliti selanjutnya untuk menambahkan objek yang lebih luas. Implikasi Pada penelitian ini yaitu penyajian“piutang murabahah tidak disajikan di neraca sebesar nilai bersih yang dapat”direalisasikan, tetapi“menjadi satu dengan akad piutang yang lainnya sebagai piutang”dan pembiayaan,“margin murabahah tangguhan tidak diungkapkan sebagai pengurang piutang murabahah, namun dicatat sebagai piutang dan pembiayaan dan pihak BMT tidak mengungkapkan margin murabahah, namun diungkapkan jadi satu dengan akad pembiayaan yang lainnya sebagai bagi hasil”pembiayaan.
Strategi Pemasaran Syariah Pada Produk Cicilan Emas Dalam Upaya Meningkatkan Jumlah Nasabah Bsi Kcp Banyuwangi Purwoharjo Fitriatussoleha, Nuril; Mira Ustanti; Inayah, Nurul
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 5 No. 02 (2025): Juli 2025
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v5i02.3708

Abstract

This study analyzes the marketing strategy of gold installment products based on murabahah contracts at BSI KCP Banyuwangi Purwoharjo using qualitative methods and the SWOT approach. This analysis aims to identify strengths, weaknesses, opportunities, and threats in an effort to improve marketing effectiveness and minimize the risk of making inappropriate decisions. The findings show that the main strengths of the product lie in compliance with sharia principles, transparency of contracts, and stability of gold investment. However, weaknesses such as low public literacy and limited accessibility remain a challenge. On the other hand, opportunities such as increased awareness of sharia products and new market segments such as high school and university students can be utilized to expand customer outreach. The recommended strategies include product development for young segments, increasing financial literacy through education, optimizing digital promotions, and collaboration with educational institutions. With this approach, BSI KCP Banyuwangi Purwoharjo can strengthen its position in the market, face gold price fluctuations, and compete with other financial institutions. This study concludes that a combination of strengths and opportunities-based strategies and mitigation of weaknesses and threats can be the key to successful marketing of sharia-based gold installment products.
The Implementation of Good Corporate Governance (GCG) in Preventing Fraud at CV. Anugrah Jaya Logistik Wijaya, Muhammad Aulia; Inayah, Nurul
Ganaya : Jurnal Ilmu Sosial dan Humaniora Vol 8 No 3 (2025)
Publisher : Jayapangus Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37329/ganaya.v8i3.4774

Abstract

This study aims to analyze the implementation of Good Corporate Governance (GCG) in preventing fraud at CV. Anugrah Jaya Logistik. The research employed a qualitative approach using a case study method. Data were collected through in-depth interviews, observations, and documentation of the company’s internal activities related to the principles of GCG, such as transparency, accountability, responsibility, independence, and fairness.The findings indicate that the implementation of GCG at CV. Anugrah Jaya Logistik is generally well-executed, particularly in the areas of transparency and accountability. However, gaps remain in the aspects of independence and internal supervision, which may create opportunities for fraud. The significant contribution of this study lies in its strategic recommendations for strengthening internal control systems, enhancing employee ethics training, and establishing an independent audit committee to reinforce oversight mechanisms. These findings are expected to serve as a reference for similar companies in implementing GCG more effectively to minimize the risk of fraud in business operations.
Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Syariah Dengan Pendekatan Theory Of Planned Behavior Pada Mahasiswa Perbankan Syariah UIN Sumatera Utara Siregar, Safa Maisyarah; Batubara, Maryam; Inayah, Nurul
Ecobankers : Journal of Economy and Banking Vol. 4 No. 2 (2023): 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 | DOI: 10.47453/ecobankers.v4i2.1167

Abstract

Dengan pendekatan Theory of Planned Behaviour yang mempertimbangkan ciri-ciri sikap, norma subyektif, dan persepsi kontrol perilaku, riset ini bermaksud untuk menyelidiki variabel-variabel yang mempengaruhi minat konsumen dalam memilih untuk menggunakan Mobile Banking Bank Syariah. Teknik kuantitatif digunakan dalam studi semacam ini. Mahasiswa UIN Sumatera Utara Angkatan 2018 yang mengambil jurusan Perbankan Syariah menjadi populasi dan sampel riset ini. Sikap, norma subyektif, persepsi kontrol perilaku, dan keinginan dalam memanfaatkan mobile banking syariah merupakan faktor-faktor yang dipakai dalam riset ini. Data sekunder digunakan sebagai sumber data. teknik pengumpulan data melalui kuesioner. Sampel yang dipakai yakni 45 responden yang menggunakan mobile banking syariah. Dengan bantuan program SPSS versi 25 digunakan teknik analisis data sebagai berikut: analisis deskriptif, uji validitas, uji reliabilitas, uji asumsi klasik, uji hipotesis, dan uji regresi linier berganda. Temuan riset memperlihatkan bahwa (1) minat memanfaatkan mobile banking syariah secara signifikan dipengaruhi oleh variabel sikap. (2) Niat menggunakan mobile banking syariah tidak dipengaruhi secara signifikan oleh variabel norma subyektif. (3) Keinginan mengadopsi mobile banking syariah dipengaruhi secara signifikan oleh variabel perceived behavioral control. (4) Faktor sikap, standar subjektif, dan persepsi kontrol perilaku berpengaruh terhadap keinginan pengguna dalam memanfaatkan mobile banking syariah.
Analisis Penanganan Nasabah Meninggal Dunia pada Pembiayaan Murabahah di Bank Syariah Indonesia KCP Seumadam Elsa, Nazwa Alpuja; Yanti, Nursantri; Inayah, Nurul
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.230

Abstract

Penelitian ini meneliti cara penyelesaian pembiayaan murabahah saat nasabah meninggal dalam lembaga perbankan syariah di Indonesia. Dengan menggunakan metode kualitatif deskriptif, informasi dikumpulkan melalui analisis dokumen kebijakan, pemeriksaan arsip klaim, dan wawancara semi-terstruktur dengan petugas pembiayaan, tim kepatuhan syariah, serta mitra takaful. Analisis tematik diterapkan untuk menggambarkan proses penanganan dari saat diberitahukannya kematian nasabah, verifikasi waris, pengajuan klaim di perusahaan takaful, hingga penyelesaian kewajiban dan penutupan akad. Temuan menunjukkan ada tiga pola utama; (1) pelunasan oleh penanggung (takaful kredit) sesuai dengan sisa pokok yang tercantum pada polis; (2) pelunasan oleh ahli waris jika klaim bersifat parsial atau ditolak; dan (3) restrukturisasi terbatas tanpa mengabaikan kepatuhan pada Fatwa DSN-MUI terkait murabahah. Kendala utama yang dihadapi meliputi kelengkapan dokumen waris, penyelarasan data antara bank dan takaful, serta interpretasi klausul pengecualian risiko. Praktik terbaik yang disarankan termasuk pengintegrasian manfaat perlindungan jiwa syariah pada saat akad, pembuatan daftar periksa standar untuk klaim, dan komunikasi yang proaktif antar pihak terlibat. Hasil penelitian ini memperkaya kajian mengenai interaksi antara bank dan takaful dalam mengurangi risiko pembiayaan serta memberikan pedoman operasional bagi bank syariah untuk menyeimbangkan kepentingan nasabah atau ahli waris, kepatuhan syariah, dan kesehatan portofolio.
Co-Authors -, Rampeng Abdul Wahid Suleman Adnan Sauddin Adriani Muhlis, Adriani Agustin, Elisa Ahmad, Muh. Nur Aini, Wahidatul Aji Tuhagana Alanggi, Gio Alfi Muhimmah, Hitta Alfisyahra, Alfisyahra Amal Akbar AMALIYAH, FITRI Amin, Andi Nurzakiah Aminuyati Amirullah -, Amirullah Amran Razak Andi Atssam Mappanyukki Andi Surahman Batara Andri Permata Sari, Andri Permata Andriani, Maya Anggita, Nadya Dewi Anggrie NST, Silvia Ani Nur Aeni, Ani Nur Anjastika, Anggi Annas, Muhamad Aqwa Naser Daulay Ardena, Dinda Arham, Muhammad Dai Ariani, Wika Arianto, Tony Arif Eko Wibawanto Arifin Fauzi Lubis Arini, Naura Nazhyrah Ariyatun, Ariyatun At'thahirah, At'thahirah atika Atikah, Tika Dewi AZIZAH AMAL Baiq Ismiwati Batubara, Maryam Budhy Kurniawan Dalimunthe, Yuli Saputri Darmawani ., Darmawani Darwis, Herman Daud, Bukhari Desi Tri Kurniawati Dewi Nur Indah Sari Dewi Satria Ahmar Diana Achmad Dimas Wisnu Adrianto Elsa, Nazwa Alpuja Endang Komariah, Endang Ernawati, Potjut Fadiana, Devi Fadillah, Muhammad Aris Fahira, Lulu Fahreza, Muhammad Faisal Saade, Muhammad Faizin, Syuura Annisa Fatir, Muhammad Fatmah Afrianty Gobel Fauziyah, Auliya Ferry Sobatnu, Ferry Fitri, Heldia Fitri, Syahruna Fitriadita, Fitriadita Fitriatussoleha, Nuril Fitroh, Adini Anwaril Galuh Tresnani Gunawan Prayitno Hafizah, Raisya Hakim, Mahrizal Hanafi, Burhan Handayani, Nisah Handayani, Tri Hadi Handra Humala Dalimunthe Hanim, Rafidah Harahap, Andi Hotmatua Harahap, Lesti Hasibuan, Elpina Yanti Hendra Harmain Hendra Heriansyah heriyani agustina, heriyani Herjuno Ari Nugroho, Herjuno Ari Hermintari, Novia Hidayatullah, Mohammad Nurul Hirsan, Muh Humaira, Syuqaira El Humairah, Mila Hutabarat, Nadya Namora Imam Supardi, Kasmadi Imsar, Imsar Inayah, Fitriadi Indra Indra Indra Syahputra Iqram, Muh. Irawan, Faris Ade Irma Setiawan, Irma Irwan Kasse ISLAMUL HADI Ismail, Syawaluddin Jannah, Khalifatul Jeandry, Gregorius Junaidi Junaidi khairudin imawan, khairudin Khotima, Husnul Khusna Arif Rakhman, Khusna Arif Kilwarany, Novita Kristiani Kristiani Kusumaningthiyas, Wike Adisti Latifil Ansori, M. Mukhtar Lely Ana Ferawati Ekaningsih Lubis, Anita Pramadani M. Ridwan Tikollah Maharadatunkamsi Maharadatunkamsi, Maharadatunkamsi Maimanah, Hasbul Mallapiang, Yasser Mamlukhah, Mamlukhah Mansur Margono, Bagus Marliyah, Marliyah Masdiputri, Rr. Sri Nuriaty Maskur Maskur Masruri Masruri Maulidah, Nurhasyim Maulidar, Eka Maullida Hayati Meinarni, Welli Mira Ustanti Moh. Harun Al Rosid Mu'alimuddin, Ahmad Zubair Mubarak, M. Zainun Syauqil Muh. Hasbi Muhammad Arif Muhammad Rifai Muhammad Rijal Alfian muhammad rizky, muhammad muhammad Syahbudi, muhammad Muliawati, Ida Musawwir Muslem, Asnawi Muslim, Rany Mustafa, Linda Kurnia Musyarofah Musyarofah, Musyarofah Muthalib, Kismullah Abdul Mutiara Sari Mutiarani Mutiarani Mutiati, Enni Nadrah, Nadrah Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Hafizah Mahira Nasution, Juliana Nasution, Nurwani Nasution, Yenni Samri Nawal Ika Susanti, Nawal Ika nawawi, m. Ni'mah, Hilmatun Ningrum, Puji Novia, Niza Noviani, Aris Nur Asia, Nur Nur Hasanah Nur Indah Sari, Dewi Nur Khadijah Razak Nur Ulmy Mahmud Nur, Lailan Nur, Nahya Nurdinah Hanifah Nurfatimah Sugrah Nuri Aslami Nurkomariah, Nurkomariah Nurlaila Mubarokah Nurmala Sari Nursantri Yanti Nurul Jannah Nurul Purnomo Oktavia, Rizka Dwi Padjalangi, Andi Muhammad Yaqkin Pardamean Siregar, Pardamean Pasaribu, Rifdah Atika Permana, I Nyoman Yoga Pohan, Komariah Hapni Prayogi, Feri Qarni, Waizul Quraniyah, Fike R, Rifaldi Rachmat Kosman, Rachmat Rahim, Fazly Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmi Syahriza, Rahmi Rahmilah, Nurdia Ramadhani, Anggraini Ramadhani, Sri Rarastoeti Pratiwi Rasul, Mat Razip, Muhammad Khaerul Rhokan, Mustapa Khamal Ritonga, Aprilia Amanda Ritonga, Melisa Ananda Putri Rohmah, Siti Nur Rokan, Mustafa Kamal Rozaq, Dawamur Ruhaidani, Emma Ruri Aldisyah Siregar Rusmayadi Rusydi, Arni Rizqiany Ryketeng , Masdar S Mursiti Sa'diyah, Halimatus Sadewo, Imran Sakdiah, Halimatu Santri Yanti, Nur Saparuddin Latu Saputra, Rastra Yudha Saragih, Rini Maretha Sardianto Sari, Septi Indah Permata Sa’diyah, Halimatus Selvin, Agustina Septhia Irnanda, Septhia Shafira, Riski Shodiq, Adib Muhammad Sigit Wiantoro, Sigit Sijabat, Winda Irmayani Sipahutar, Ana Pahira Siregar, Nabila Safutri Siregar, Safa Maisyarah Siregar, Tarmiji Hamid Siswahyudianto Siti Maisaroh Siti Sarah Fitriani, Siti Sarah Siti Zaenab Sitorus, Eva Afrilisa Sitorus, Friska Olavia Soesilo, Nyoman Puniawati Soesilo, Nyoman Puniawati Sofyan A. Gani Sri Sudiarti St. Hadijah, St. Hadijah Wahi Suhel, Heny Ningtyas Sujariati Sujariati, Sujariati Sukmawati Syarif, Sukmawati Supardiono, Supardiono Suprapto, Ribut Surepno, Surepno Suryani Suryani Susiani, Rini Syafaat, Muhtar Syafa’at, Abdul Kholiq Syamsidar Syamsul Bahri Syifa, Fenia Torus, Fadillah Rahmi Khairunnisa Br Tuminih, Tuminih Tuti Anggraini Ulfatun Hasanah Ulfatun Hasanah Wartika Rosa Farida Wijaya, Muhammad Aulia Yahya, Ubaidillah Yani, Dini Yastin David Batara, Yastin David Ys, Syamsul Bahri Yuliadi Zamroni Yulsafli Yulsafli, Yulsafli Zahra Nabila Iqbal Zama, Azhari Zamraji, Yunus Zhavira, Alifya Zubair, Arie Gunawan Hazairin Zuhrinal M. Nawawi Zulfadli A. Aziz, Zulfadli A. Zuraini, Irma