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PROSPEK EKONOMI SYARI’AH MELALUI PRODUK MUDARABAH DALAM MEMPERKUAT SEKTOR RIIL Mujibatun, Siti
Economica: Jurnal Ekonomi Islam Vol 4, No 1 (2013)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2013.4.1.776

Abstract

Mudarabah, as an icon of commercial products in Shariah Economic,  factually proven toughness in facing  the financial crisis during this time. By placing the product mudarabah proportionally in the financial business institutions have a significant impact on economic sustainability in strengthening the real sector. Some of the benefits include Mudarabah product; has  a rate of return higher than the interest rate applicate on interest bank, based on “production–based” by  transactions based on real assets and not solely on the paperwork that are derivatives and free from elements of speculation. Mudarabah based on production. Therefore, the financial crisis can be minimized because the balance sheet of company is stable relatively. To maintain it in the real sector, government support in the form of policies by strengthening the role of national banking intermediation in the financial and real sector investment is needed to minimize the level of unemployment.
INKONSISTENSI PRINSIP TIME VALUE OF MONEY DALAM OPERASIONAL TRANSAKSI KEUANGAN SYARIAH DAN SOLUSINYA Mujibatun, Siti
Economica: Jurnal Ekonomi Islam Vol 7, No 2 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.2.1159

Abstract

The concept of Time Value of Money in the LKS is not accepted because of riba, but in practically mainly on small investors to invest, will face a big problem if it rejects the principle of Time Value of Money, whenever any country will have inflation. will be injustice when Islamic banking do not give a rate of return to the investor. The research is a qualitative, primary data sources and data collection consisted of a document. The Brochure of Product Financing Transactions in LKS, b). Fatwa DSN-MUI 2000, c). CD-ROM File Maushuah al-Hadith al-Sharif al-Tisah 1997 Edition II, d). The Books related to the concept of Time Value of Money, e). SOP (Standard Operational Product) financing and acounting system. Secondary data consists of various books related to the concept of Time Value of Money both modern and classical fiqh books and  Research results related to this research problem. This research analyzes the discriftive approach, with results as follows: 1. Time Value of Money in the LKS is not acceptable, because the increase in the Time Value of Money earned should be of real business, not because of the debt contract / qardh 2. Time Value of Money by economic concepts Hadis Muhammad saw among other things contained in the contract of salam/ indent, BBA and disconto, araya and provision for debt payments 3. the occurrence of in-consistency between ideology Time Value of Money with praxis in LKS due in addition to not paying attention to the business logic of the Prophet, helplessness in operating system usage still based on the operating system Conventional Financial Institutions (LKK).
SOLUSI PROBLEM PENGHAPUSAN BUNGA DENGAN PENDEKATAN PRODUK BAI‘ BITSAMAN ĀJIL DALAM UPAYA MEWUJUDKAN LEMBAGA KEUANGAN LĀ-RIBA (Studi Kasus di BMT Damar dan BMT-KJKS IAIN Walisongo Semarang) Mujibatun, Siti
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1035

Abstract

Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Wahyudi, Rofiul; Mujibatun, Siti; Riduwan, Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Wahyudi, Rofiul; Mujibatun, Siti; Riduwan, Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.
PROSPEK EKONOMI SYARI’AH MELALUI PRODUK MUDARABAH DALAM MEMPERKUAT SEKTOR RIIL Siti Mujibatun
Economica: Jurnal Ekonomi Islam Vol 4, No 1 (2013)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2013.4.1.776

Abstract

Mudarabah, as an icon of commercial products in Shari'ah Economic,  factually proven toughness in facing  the financial crisis during this time. By placing the product mudarabah proportionally in the financial business institutions have a significant impact on economic sustainability in strengthening the real sector. Some of the benefits include Mudarabah product; has  a rate of return higher than the interest rate applicate on interest bank, based on “production–based” by  transactions based on real assets and not solely on the paperwork that are derivatives and free from elements of speculation. Mudarabah based on production. Therefore, the financial crisis can be minimized because the balance sheet of company is stable relatively. To maintain it in the real sector, government support in the form of policies by strengthening the role of national banking intermediation in the financial and real sector investment is needed to minimize the level of unemployment.
INKONSISTENSI PRINSIP TIME VALUE OF MONEY DALAM OPERASIONAL TRANSAKSI KEUANGAN SYARIAH DAN SOLUSINYA Siti Mujibatun
Economica: Jurnal Ekonomi Islam Vol 7, No 2 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.2.1159

Abstract

The concept of Time Value of Money in the LKS is not accepted because of riba, but in practically mainly on small investors to invest, will face a big problem if it rejects the principle of Time Value of Money, whenever any country will have inflation. will be injustice when Islamic banking do not give a rate of return to the investor. The research is a qualitative, primary data sources and data collection consisted of a document. The Brochure of Product Financing Transactions in LKS, b). Fatwa DSN-MUI 2000, c). CD-ROM File Maushu'ah al-Hadith al-Sharif al-Tis'ah 1997 Edition II, d). The Books related to the concept of Time Value of Money, e). SOP (Standard Operational Product) financing and acounting system. Secondary data consists of various books related to the concept of Time Value of Money both modern and classical fiqh books and  Research results related to this research problem. This research analyzes the discriftive approach, with results as follows: 1. Time Value of Money in the LKS is not acceptable, because the increase in the Time Value of Money earned should be of real business, not because of the debt contract / qardh 2. Time Value of Money by economic concepts Hadis Muhammad saw among other things contained in the contract of salam/ indent, BBA and 'disconto, araya and provision for debt payments 3. the occurrence of in-consistency between ideology Time Value of Money with praxis in LKS due in addition to not paying attention to the business logic of the Prophet, helplessness in operating system usage still based on the operating system Conventional Financial Institutions (LKK).
SOLUSI PROBLEM PENGHAPUSAN BUNGA DENGAN PENDEKATAN PRODUK BAI‘ BITSAMAN ĀJIL DALAM UPAYA MEWUJUDKAN LEMBAGA KEUANGAN LĀ-RIBA (Studi Kasus di BMT Damar dan BMT-KJKS IAIN Walisongo Semarang) Siti Mujibatun
Economica: Jurnal Ekonomi Islam Vol 7, No 1 (2016)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2016.7.1.1035

Abstract

Mudhārabah practices as an icon rather than LKS (Sharia Financial Institution) is still raise unresolved polemic associated with akunting system and balance, especially in the domain of financing, so that the stigma of people who think that the operating system is the same as the system of financial calculating interest only the different’s name has been continues. When examined in detail, there are other products that legitimized the contract either by the arguments Syara agreed by the majority of scholars and schools of jurisprudence, namely the contract of Ba‘i Bitsaman Ājil (BBA) or purchase by way of pay gradually. This article concludes; First, offers a BBA in finance BMT Damar and BMT-KJKS IAIN Walisongo experiencing significant growth, in addition to a simple transaction models are not complex, almost the akunting system likes fixed rate (fixed rate) so that customers become more familiar because the system is not much different from the credit money. Second, BBA financing acounting system can be separated from other products offered by BMT and not to be come one system with murābahah financing. Third, although the BBA acounting system similar to the system of interest and somewhat complicated because managers have the purchase to be come representer for wakālah contract to goods of customers, but offers and akunting BBA financing is more flexible and is not affected by rising interest rates as the often occurs in LKK )Conventional Financial Institutional)
Paradigma Ulama dalam Penentuan Kualitas Hadis dan Implikasinya dalam Kehidupan Umat Islam Siti Mujibatun
AL-Fikr Vol 17 No 1 (2013)
Publisher : Fakultas Ushuluddin dan Filsafat Universitas Islam Negeri Alauddin Makassar

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

Abstract

Internal religious conflicts in the practice of religion in daily life in Islam is prompted by, among others, different schools of thought among the scholars of hadith from the early Islamic period to the present, especially in determining the quality of the hadith as hujjah syar’iyyah. The type of this research is the research library. Data sources are documents consists of: The Book of Hadith Sciences History, Introduction to Hadith, Science of Mustalah al- Hadith, the book of al-Jarh wa al-ta'dil,  hadith collection books (kutub al- tis’ah) and their commentaries.  Research findings are as follows: a). There are four schools of scholars in determining the quality of the hadith, namely, mutasyaddid (strict) muta'annut (excessive), mutawassit (moderate) and mutasahhil (permissive). b). the school mutasyaddid implies that hadith which do not meet the standard of validity may not be used as hujjah syar’iyyah.  The school of mutawassit share this view, noting that unless there is a theorem (from Quran or Hadith) supporting it. The schools of muta'annut and mutasahhil tend to accept hadith with dhaif  quality as reference for the purpose of moral virtue.
Debt And Equity-Based Financing, Size And Islamic Banks Profitability: Empirical Evidence From Indonesia Rofiul Wahyudi; Siti Mujibatun; Riduwan Riduwan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3539

Abstract

Islamic Banking as a financial institution functions to collect and distribute funds to the public. To carry out these functions, the capital structure scheme uses debt and equity based financing. In addition, the implementation is also influenced by the size which ultimately affect the performance of Islamic banking. This study aims to examine debt and equity-based financing, size and Islamic banks profitability: empirical evidence from Indonesia. The research method used is model estimation test of Moderated Regression Analysis (MRA) to see size as moderation variable. Banks profitability is represented by ROA and ROE. This study uses Islamic bank panel data from financial reports published during the sample period covering 2008-2017. The empirical findings show that debt and equity-based financing affect banks profitability. Furthemore, bank size does not moderate the debt and equity-based financing relationship to Islamic banks profitability.