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All Journal RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Kutubkhanah Jurnal Penelitian Sosial Keagamaan Jurnal Ekonomi, Manajemen, Akuntansi
Tuti Anggraini
UIN Sumatera Utara
Religion Economics, Econometrics & Finance Education Social Sciences

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Pengaruh Pembiayaan Murabahah dan Musyarakah  terhadap Likuiditas BSI dengan NPF sebagai Variabel Intervening: Faliha Ardhelia Nasution; Tuti Anggraini
Reslaj : Religion Education Social Laa Roiba Journal Vol 5 No 6 (2023): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v5i6.2159

Abstract

Not the losses it produces, but the failure to maintain cash flow available, is the issue that can result in bankruptcy. Slower than the decline of conventional commercial banks, which was 77.49%, was the decrease of Islamic commercial banks, at 70.13%. This may occur because the borrower finds it challenging to repay the debt, whether out of malice or for other factors beyond the borrower's control. With NPF serving as an intermediary variable, the goal of this study was to ascertain the impact of Musyarakah and Murabahah funding on BSI liquidity. Quantitative SPSS research is employed in this study. 20.0. While for Bank Syariah Indonesia, liquidity is the independent variable (y) and irregular financing is the intermediate variable (z), the effect of murabahah financing (x1) and musyarakah (x2) is the independent or dependent variable. OJK-BSI statistics for the entirety of Indonesia are used in this study as a sample. The study's findings include: 1) that financing through murabaha does not significantly affect the rise in the NPF ratio from 2020 to 2022; 2) that financing through musyarakah does not significantly affect financing the NPF ratio from 2020 to 2022; 3) that financing through murabaha is positively related to liquidity but does not significantly affect liquidity; 4) that financing through musyarakah has a positive relationship with liquidity but does not significantly affect liquidity; and 5) that non-performing financing does not Key words: Murabahah Financing; Musyarakah Financing; Liquidity; Non Performing Financing
Konsep Multiakad dalam Fatwa DSN-MUI: Sebuah Inovasi dalam Praktik Keuangan Syariah di Indonesia Arridho Abduh; Asmuni Asmuni; Tuti Anggraini
Kutubkhanah Vol 23, No 1 (2023): Januari - Juni
Publisher : Lembaga penelitian dan pengabdian kepada masyrakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/kutubkhanah.v23i1.24660

Abstract

This article discusses the concept of hybrid contracts in Fatwa DSN-MUI which is an innovation in Islamic financial practice in Indonesia. The hybrid contracts concept is an approach that combines several Islamic contracts or financial instruments in one transaction to achieve the goals desired by the parties involved. This paper outlines various examples of the application of hybrid contracts in Islamic financial transactions. This article provides an overview of how the hybrid contracts concept became an innovation in Islamic financial practice in Indonesia. By using hybrid contracts, financial actors can achieve their goals in a sharia manner and minimize the risks associated with such transactions. However, a good understanding of sharia principles and guidance from authoritative institutions such as DSN-MUI is still needed to maintain the integrity and validity of sharia transactions.TRANSLATE with x EnglishArabicHebrewPolishBulgarianHindiPortugueseCatalanHmong DawRomanianChinese SimplifiedHungarianRussianChinese TraditionalIndonesianSlovakCzechItalianSlovenianDanishJapaneseSpanishDutchKlingonSwedishEnglishKoreanThaiEstonianLatvianTurkishFinnishLithuanianUkrainianFrenchMalayUrduGermanMalteseVietnameseGreekNorwegianWelshHaitian CreolePersian //  TRANSLATE with COPY THE URL BELOW Back EMBED THE SNIPPET BELOW IN YOUR SITE Enable collaborative features and customize widget: Bing Webmaster PortalBack//
Analisis Dampak Pembiayaan Syariah BSI Kantor Cabang Sibolga Bagi Nelayan Tradisional Kota Sibolga Silviana Silviana; Tuti Anggraini; Kusmilawaty Kusmilawaty
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 1: Juli-Desember 2023
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i1.2505

Abstract

Penelitian ini bertujuan untuk mengetahui pembiayaan syariah yang sesuai untuk nelayan tradisional dan dampak apa yang terjadi kepada para nelayan tradisional setelah melakukan pembiayaan di bank syariah. Untuk penelitian yang lengkap dan rinci dengan menggunakan jenis penelitian ini adalah kualitatif. Metode penelitian ini yaitu melakukan observasi dengan pengamatan terhadap subjek dan objek penelitian, melakukan wawancara tidak terstruktur antar peneliti dengan informan dan yang terakhir melakukan dokumentasi yang berbentuk gambar terhadap informan yaitu para nasabah nelayan. Metode yang digunakan dalam penelitian ini yakni metode analisis deskriptif dengan model miles dan hubermen. Hasil penelitian menunjukkan bahwa pembiayaan syariah di kota sibolga yang dapat membantu berkembangnya usaha para nelayan tradisional adalah dengan produk KUR Mikro dan semakin banyak nelayan mengetahui keberadaan bank syariah, yang menyediakan pembiayaan tanpa bunga dengan syarat ketentuan yang tidak sulit,sehingga mereka tidak perlu meminjam ke rentenir sekitar. Serta dampak yang dihasilkan dari pembiayaan syariah kepada nelayan tradisional ini amatlah sangat bagus dan positif,setelah para nelayan melakukan pembiayaan di bank syariah indonesia semakin bertambah penghasilan yang mereka dapat dan usaha para nelayan semakin berkembang. Sehingga membantu pertumbuhan dan pergerakan perekonomian di sektor kelautan dan perikanan di kota Sibolga.
Co-Authors Arridho Abduh Asmuni Asmuni Dina Selviana Faliha Ardhelia Nasution Kusmilawaty Kusmilawaty Rahmi Syahriza Silviana Silviana