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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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Minat Masyarakat Kota Bekasi Terhadap Pembiayaan Talangan Haji Pada Perbankan Syariah (Analisis Pada PT. Bank Syariah Mandiri KCP Bekasi Timur) Aan Riyadi; 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 Zahrina Wardatul Fawziyah; 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 Teny Khotimah Arzani; 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.
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 Putra, Purnama; ., Isfandayani
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 4, No 1 (2020): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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%.
Analisis Perbandingan Model Business Screening dan Financial Screening Indeks Saham Syariah Global berdasarkan Tinjauan Maqashid Syariah R. Melda Maesarach; Siti Jamilah; Isfandayani; Muhammad Fahmi; Ali Amin, Irsyad
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 9 No. 1 (2025)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol9.i1/19955

Abstract

This study aims to analyze the comparison between business screening and financial screening models used in global Islamic stock indices through the lens of maqashid shariah. The research employs an explanatory method based on literature review and expert interviews. The findings reveal that current screening models remain legal-formalistic and do not fully reflect the substantive values of maqashid shariah such as social justice, environmental protection, and business ethics. Therefore, a reformulation is needed to ensure the screening models fulfill not only legal compliance but also promote public benefit and prevent harm. This study recommends developing a maqashid-based screening framework that is more holistic and socially transformative.
PEMBERDAYAAN PENDIDIKAN KARAKTER ISLAMI SISWA TPA DI DESA SINDANGMULYA Nurfadilah; Isfandayani; Irham
An-Nizam Vol 4 No 2 (2025): 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.v4i2.11526

Abstract

The development of Islamic character among children in Al-Qur’an Education Parks (TPA) remains a crucial challenge, particularly in optimizing character formation aligned with Islamic values. This community service project aims to strengthen the Islamic character of children at TPA Sindang Mulya Village through a structured mentoring program supported by additional educational approaches. The methods applied include mentoring activities combined with demonstration, cognitive, affective, and psychomotor strategies, all designed to foster holistic character development. The program was implemented for 30 days at TPA Sindang Mulya, with participants consisting of children actively enrolled in the TPA program. The findings indicate a significant improvement in children’s Islamic character, particularly in the aspects of honesty, politeness, and discipline. Mentoring proved to be effective in shaping attitudes and behaviors consistent with Islamic values while also enhancing the learning experience in both religious and social contexts. Furthermore, the structured combination of cognitive, affective, and psychomotor approaches allowed the children to internalize values more effectively and apply them in daily interactions. In conclusion, this community service demonstrates that mentoring programs can serve as an effective strategy for character building in TPA settings. Therefore, similar initiatives should be sustained and expanded to other communities to achieve broader impacts.
Islamic Microfinance for Poverty Alleviation Khatimah, Husnul; Isfandayani
Tamkin Journal Vol. 2 No. 2 (2023): Tamkin Journal
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/tj.v2i2.302

Abstract

Poverty is a serious problem faced by Indonesia. Most Indonesians are vulnerable to poverty. Various poverty alleviation programs have been attempted and initiated, both by the government and organizations outside the government. The process of changing poverty alleviation policies continues to be renewed. Because all parties realize that poverty is more caused by structural problems, the term structural poverty has emerged. Basically, the government has conducted many programs to alleviate poverty. But in reality, these programs have not been right on target. There is a need for a new design, so that it can be ensured that the program is right on direction and right on target. The Islamic economic system, including Islamic financial institutions, has the right and obligation to participate in managing the resources in this country. This study aims to determine the development of Islamic microfinance for poverty alleviation research trends published by leading journals on Islamic financial economics. The data analyzed consisted of 87 indexed research publications. The data is then processed and analyzed using the VoSviewer application to determine the bibliometric map of Islamic microfinance for poverty alleviation research development.
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