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All Journal Paradigma : Journal of Science, Religion and Culture Studies Maslahah : Jurnal Hukum Islam dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Journal of Humanities and Social Studies DEVOSI An-Nizam: Jurnal Bakti Bagi Bangsa Tamkin Journal
Isfandayani M.Si.
Universitas Islam 45
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 Mechanical Engineering Physics Social Sciences Other

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Analisis Manajemen Risiko Pembiayaan Modal Kerja (PMK) Pada Bank BJB Syariah Kantor Cabang Pembantu Lippo Cikarang Saputri TQ, Nita Muhaini; -, 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) Riyadi, Aan; -, 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 Fawziyah, Zahrina Wardatul; -, 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 Arzani, Teny Khotimah; -, 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.
SOSIALISASI TEKNIK BAURAN PEMASARAN PADA PRODUK USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI KECAMATAN RAWAMERTA, KARAWANG Asih, Anisa Mukti; Fahlevi, Rizal; Rahmawati, Rafika; -, Isfandayani; Widyananto, Arief
DEVOSI Vol 2 No 1 (2021): Devosi Jurnal Pengabdian Masyarakat
Publisher : LPPM Universitas Islam 45 Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/devosi.v2i1.2849

Abstract

The role of Micro, Small and Medium Enterprises in increasing income and employment can certainly be considered large for Indonesia. MSME actors need to be given training related to delivering or disseminating knowledge information about the marketing mix for their products. The method used in this community service is in the form of socialization to the government of the Rawamerta sub-district and the surrounding community. The result was that 15 participants took part in the socialization activity to increase knowledge and information about the marketing mix for Micro, Small and Medium Enterprises products.
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.
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.
PLANNED BEHAVIOR THEORY IN PAYING CASH WAQF Purnama Putra; Isfandayani .
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 4, No 1 (2020): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (167.259 KB) | DOI: 10.33751/jhss.v4i1.1901

Abstract

The potential of Waqf in Indonesia which is in the movement of followers of the largest Muslim religion in the World that is equal to 85% since the days of Pre-Independence. The legal order in Indonesia that underlies the management of waqf is very complete than Zakat, Infaq or Alms. This completeness is manifested in Law No. 41/2004 concerning Endowments and Government Regulation No. 42/2006 concerning Implementation of Law No. 41/2004. Both legality in the form of regulations and the Law provide a more certain legal basis for increasing public trust and guarantee of waqf assets. It became the starting point for the management of waqf and the collection of waqf funds in Indonesia. This study uses a quantitative method design in identifying what factors influence people's intentions in carrying out cash waqf. Data collection is done through filling out the questionnaire then be processed the validity and reliability test of 50 people and then given to a sample of 200 people. Factors affecting the intention to fulfill cash waqf based on this research are Attitude, Subjective Norms and Behavioral Control. Third, the Attitude, Subjective Norm, and Behavioral Control variables together have a significant influence on the variables of waqf intentions on cash waqf. Attitude variable towards cash Intention variable is 4.62%, Subjective Norm variable is 2.88%, Behavioural Control variable is 8.5%. Therefore, it can be concluded that the most dominant effective contribution value influencing cash intention variable is the Behavioral Control variable that is 8.5%.
Prospek Adopsi Bank Syariah di Kalangan Civitas Akademika UNISMA Bekasi Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 7 No 2 (2016): 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.v7i2.1177

Abstract

One of Sharia Institutions in Indonesia is Islamic Bank, which develops rapidly. Unisma does not make partership with Islamic Bank. This becomes my background toconduct research entitle: The Prospect of Islamic Bank Adoption in The Civitas Academica of Unisma Bekasi. This research uses qualitative method with descriptiveand comparison analysis. Researcher wants to know how deep Unisma Civitas Academica understands about Islamic Bank concept and the prospects if Unisma invitesIslamic Bank as its partner. The prospects comparise finance, peaceful and service side. In this research it would be explained about steps if Unisma would like to add Islamic Bank as its partner. The goal of this research is; The Unisma Civitas Academica have good understand about Islamic Banking. If Unisma makes partnership with Islamic Bank (adoption), there would be 3 goals to reach. Firstly, Unisma would obtain more profit (compared to that obtained from interest of the existing conventional bank of which the Unisma’s partnership and equivalent rate of Islamic Bank of 2015). Secondly, it would be peaceful since it would be free from ‚riba‛ or interest system. Thirdly, Islamic Bank partnership is hopefully to be better, since Unisma parnership with conventional bank currently is not good. The procedures for Unisma to invite Islamic Bank as its partner are as follow: make comparison benefit research between conventional and Islamic bank intitutions, high level agreement conducted in management meeting, presentations from some Islamic Bank Institutions, the management selection among institutions and prepares infrastructures appropriate for their site plan building.
Co-Authors Aan Riyadi Ali Amin, Irsyad Arief Widyananto Arzani, Teny Khotimah Asih, Anisa Mukti Desi Annisa Fahlevi, Rizal Fawziyah, Zahrina Wardatul Hendry Candra Laksmitawuri Husnul Khatimah irham Laksmitawuri, Hendry Candra MUHAMMAD FAHMI Muhtar . Mutia Ramadhani Nita Muhaini Saputri TQ Nurfadilah Purnama Putra, Purnama R. Melda Maesarach Rafika Rahmawati Ramadhani, Mutia Ramdhiana, Ratih Ratih Ramdhiana Riyadi, Aan Saputri TQ, Nita Muhaini Siti Jamilah Siti Noviatun Sri Endah Wahyuningsih Sri Endah Wahyuningsih Teny Khotimah Arzani Zahrina Wardatul Fawziyah Zahrina Wardatul Fawziyah