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Journal : Al-Buhuts (e-journal)

Integrasi Perbankan Syariah dan Fintech Syariah Pengembangan UMKM Kamaruddin; Nasrullah Bin Sapa; Hasbiullah Hasbiullah; Trimulato Trimulato
Al-Buhuts Vol. 17 No. 2 (2021): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (690.329 KB) | DOI: 10.30603/ab.v17i2.2325

Abstract

The research objective is to describe the development of Islamic bank financing for SMEs, the development of sharia fintech, and the form of integration between sharia banking and the development of sharia fintech for the development of SMEs. The research method used is qualitative, related to sharia bank financing. Field research on two sharia bankings in the city of Makassar. Primary data sources through direct interviews, and secondary data from data presented from the financial services authority (OJK). Data collection techniques through interviews, documentation, and literature studies from several sources. The data analysis technique used is descriptive qualitative, by describing the development of sharia banking financing product to SMEs sector, the development of sharia fintech, and the form of integration of sharia banking and sharia fintech in the development of SMEs. The results of this study show that the development of sharia banking financing product in 2019 until the 2020 market grew by 15.93 percent, for sharia banking the type of Islamic Financing Bank (BPRS) grew 4.57 percent, while Islamic banks with the type of Sharia Business Unit (UUS) for financing trips for SMEs decreased -2.7 percent. The development of Sharia Fintech, a peer-to-peer (P2P) lending type of fintech. The number of borrower accounts increased by 325.95 percent, the number of borrower accounts in December 2019 was 18,569,123, and the number of guarantors increased by 258.56 percent with the number of loans in December 2019 of IDR 81.50 trillion. There are 12 registered sharia fintech companies. The total assets of Islamic fintech are 50,591,727,786 rupiahs. Integration between Islamic Banks and Sharia Fintech in developing SMEs needs to be carried out, to increase financial access to the public. The form of integration that can be carried out between Islamic banks and Islamic fintech is a profit-sharing scheme, which can carry out mudharabah or musyarakah contracts. SMEs may need easy access to technology services. Integration in the form of collaboration to empower SMEs.
Potensi dan Tantangan Implementasi Akad Wakalah bil Ujrah pada Transaksi Bisnis Syariah Modern Maulana, Maulana; Bin Sapa, Nasrullah; Ambo Masse, Rahman; Galib, Mukhtar
Al-Buhuts Vol. 20 No. 1 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i1.4781

Abstract

This research aims to explore the potential and challenges of implementing Akad Wakalah bil Ujrah in modern Islamic business transactions in Indonesia. The research method used is qualitative research with a case study approach. Data was collected through in-depth interviews with Islamic finance practitioners, analysis of documents related to Islamic business regulations and transactions, and direct observation of the implementation process of Akad Wakalah bil Ujrah. The research results show that there is great potential in applying this akad to increase operational efficiency, reduce risk, and support the growth of the Islamic finance industry. However, challenges such as lack of understanding among business actors, unclear regulations, lack of supporting infrastructure, and the risk of misuse become obstacles that need to be overcome. By overcoming these challenges through educational efforts, regulatory improvements, infrastructure development, and the implementation of strict monitoring mechanisms, the implementation of Akad Wakalah bil Ujrah can be an effective instrument in supporting the growth of modern Islamic business in Indonesia
Dampak Tenaga Kerja, IPTIK, dan ZIS Terhadap PDRB di Indonesia dengan I-HDI Sebagai Variabel Intervening Muhammad, Nurcholis; Mustakim Muchlis; Nasrullah Bin Sapa; Kamaruddin, Kamaruddin
Al-Buhuts Vol. 20 No. 2 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i2.5178

Abstract

This study aims to determine the direct impact of labor, ICT-Development Index, and Zakat, Infaq, Shadaqa on Islamic Human Development Index and Gross Regional Domestic Product and the indirect impact of labor, ICT-Development Index, and Zakat, Infaq, Shadaqa variables on Gross Regional Domestic Product mediated by Islamic Human Development Index. This type of research is quantitative research using secondary data in the form of panel data from 27 provinces in Indonesia in 2018-2022. Data sources are obtained from BPS and BAZNAS. The data analysis model used is panel data analysis with the Random Effect Model (REM) approach and path analysis. The results of this study indicate that directly ICT-Development Index has a positive and significant impact on Islamic Human Development Index while labor and Zakat, Infaq, Shadaqa have a positive but insignificant impact on Islamic Human Development Index. Directly labor and ICT-Development Index have a positive and significant impact on Gross Regional Domestic Product while Zakat, Infaq, Shadaqa and Islamic Human Development Index have a positive but insignificant impact on GRDP. Indirectly, Islamic Human Development Index has not been able to significantly mediate the relationship between labor, ICT-Development Index, and Zakat, Infaq, Shadaqa variables on Gross Regional Domestic Product in Indonesia
Determinan Pembiayaan Murabahah di BPRS Niaga Madani kota Makassar Periode 2023 Syamsurianto, Syamsurianto; Misbach, Irwan; Bin Sapa, Nasrullah
Al-Buhuts Vol. 20 No. 2 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i2.5180

Abstract

Murabahah financing is one of the most dominant financing in the scope of Islamic banks in Indonesia. Murabahah financing dominates because financing provides a high level of trust for its customers. Because the acquisition price and profit are mutually agreed upon with the bank. In addition, the bank also feels favored. The dominance of Murabaha financing compared to profit-sharing financing such as Mudaraba and Partnership is clear for researchers to look for factors that influence Murabahah financing. This type of research is quantitative which is associative, In this case the author uses a quantitative method and the type of data in this study is secondary data in the form of time-series. The population used is a financial report based on quarters at BPRS Madani for the period 2017-2023 where the total is 27 financial reports for 1 year. The sample selection uses a saturated sample where all the population is used as a sample, which will later be processed using statistical analysis tools to get answers to the proposed hypothesis.Research results Based on the data test that has been carried out with a significance level of 5% or 0.05, it can be concluded that Non-performing financing has a positive and significant effect on Murabahah financing at BPRS Niaga Madani. Rotation on assets and financing to deposit ratio have a positive and insignificant effect on Murabahah financing of financing banks at BPRS Niaga Madani in the 2023 period.Conclusion Based on the results of the analysis and discussion that have been presented in the previous section, it can be concluded that non-performing financing has a significant positive effect on Murabahah financing at Bank Pembiayaan Rakyat Syariah Niaga Madani. This finding explains that the increasing non-performing finance of BPRS Niaga Madani will also increase the level of financing provided by BPRS Niaga Madani, this shows that the public increasingly trusts BPRS Niaga Madani so that what is the obligation of the community is still fulfilled even though some customers are hampered in returning financing. Rotation on assets and financing to deposit ratio have a positive and insignificant effect on Murabahah financing. that bank management is able to manage the assets owned by the company, so that the income generated experiences a better increase
Green Banking Perspektif Maqāṣid Asy-Syarīʿah dalam Mendorong Eksistensi Perbankan Syariah Nurjannah, Nurjannah; Lince Bulutoding; Nasrullah Bin Sapa; Amiruddin K; Sumarlin Sumarlin
Al-Buhuts Vol. 20 No. 2 (2024): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v20i2.5226

Abstract

This study aims to describe the implementation of green banking from the perspective of maqāṣid asy-syarīʿah in encouraging the existence of Islamic banking. This study is a qualitative study using a phenomenological approach, an interpretive paradigm using intentional analysis. The types of data used are noema and noesis, using three data collection techniques, namely in-depth interviews, documentation and participant observation. The results of the study indicate that the implementation of green banking based on maqāṣid syarī᷾ah is able to encourage the existence of Islamic banking. The implementation of green banking from the perspective of maqāṣid asy-syarīʿah at Bank Muamalat Indonesia and Bank Syariah Indonesia in supporting its existence consists of seven components, maintaining religion (ḥifẓ al-dīn), maintaining the Soul (ḥifẓ al-nafs), maintaining the environment (ḥifẓ al-bī᷾ah), and maintaining honor (ḥifẓ al-irdi) have been implemented, while maintaining reason (ḥifẓ al-᷾aql) requires improvement in green banking research and publication, maintaining descendants (ḥifẓ al-᷾nasl) requires improvement in terms of digital banking system security and the presence of product innovation, and maintaining wealth (ḥifẓ al-māl) requires providing opportunities for farmers to be able to apply for financing using the salam contract or other related contracts.
Co-Authors - Trimulato, - A. Ika Fahrika AA Sudharmawan, AA Abd. Hafid Abdi Widjaja Abdi Wijaya, Abdi Abdul Chadjib Halik Abdul Rizal, Abdul Abdul Wahab Abdul Wahid Haddade Adriani Affandi, Ahmad Zulkifli AGUS AGUS Ahmad Sandi Aisyah Aisyah Ambo Asse Amir, Andi Muhammad Nur Atma Amiruddin K Amiruddin, Muhammad Majdy Andhini Putri Novianti Andi Intan Cahyani Andi Wawan Mulyawan Anisa Utami Novianty Anisa Utami Novianty Arief, Fitriani Arif Mashuri Arsyadi, Baso Asriadi Arifin Adi Asyraf Mustamim Asyraf Mustamin Atika, Atika Rizki Azwar, Azwar Bakti, Andi Adi Prabowo Putra Baso R Basse, Rahman Ambo Caya, Rosdiyana Chairunnisa Chairunnisa Cut Muthiadin Cut Mutiadin Cut Mutihiadin Darmawati H Darmawati H, Darmawati DARYANTI DARYANTI Dedi Susanto Devy Wulandari Devy Wulandari Dian Sari Dliyauddin, Dliyauddin Dwiatmaja, Ahmad Zikri Eka Febrianti, Eka Erniawati, Erniawati Ervina Hijrah Nirwana Fatimah, Emi Sri Rahayu Fatmawati Fatmawati Fitri, Nurul Amalia Fitriah Ningsih, Fitriah Fuziyah, Annisa Gunawan Gunawan H, Herianti H. Muhtar Lutfi Habibi Habibi Habibi Habibi Hafid, Abd Halik, Abdul Chadjib Halima Basri Halima Basri Halimah B Halimah Basri Hamzah, Muh. Nasir Hannanong, Ismail Harni Hasbiullah Hasbiullah, Hasbiullah Hasyim Haddade Heri Irawan Heri Iswandi Herianti Herman, M. Aras Husain, Muhammad Zakir I Nyoman, Budiono Ihwan Wahid Minu Ikhsan, Muh Ikram, Abdi Dzul Jalal Indradewa, Rhian Irwan Misbach Irwan Misbach Ismawati Ismawati J, Jumriani Jailuddin, Syuaib Jamaluddin Jamaluddin Majid Jamaluddin Majid Jayawarsa, A.A. Ketut Kamaruddin Kamaruddin Kamaruddin Kartika Kholid Albar Kurnaemi Anita Lince Bulutoding M Yusuf K Magfirah, Khofifah Mardiah, Nur Ainun Marwah, Andi Maulana Maulana Maulana Maulana, Maulana Mirnawati Mirnawati Misbahuddin Misbahuddin Mohamad Subli Muaz Dhiyaulhaq Imran Muh Affandi Muh. Samsunar Muh. Samsunar Muhamad, Mar’ie Muhammad Affandi AR Muhammad Afief Mubayyin Muhammad Afif Muhammad Afif Qubais Muhammad Amin Sahib Muhammad Amin Sahib Muhammad Amin Sahib, Muhammad Amin Sahib Muhammad Awaluddin, Muhammad Muhammad Fadel Muhammad Ilham Muhammad Jumaidi Pamalingan Muhammad Samsunar Muhammad, Nurcholis Muhlis Masin Muhlis Muhlis MUHTAR LUTFI Mukhlis Mukhtar Galib Mukhtar Lutfi Muntu, Andi Tenri Sri Murtiadi Awaluddin Muslimin Kara Mustakim Muchlis Nafisya, Zahwah Aulia Nur Annisa Nur Haslin, Muh Ilham Nuraulia Aco Dahrul Nurbaeti Nurchalisa Nurhidayah Nurhidayah Nurhidayat Nurhidayat Nurjannah Nurjannah Nurjannah Nurjannah Paramata, Adhayani Mentari Putri Ayu Ramadhani R, Randy Rachma Febriyanti Raden Mohamad Herdian Bhakti Rahman Ambo Masse Rahman R., Abd. Rahmawati Muin Rahmawati, Rahmawati Ramdhani ilham, Rizky Amaliyah Ramlah Ramlah Ramlah Ramlah Ramlah Rasnawati Rika Dwi Ayu Parmitasari Rizki Rahim Rizky Amaliyah Rosmila Sabili, Sabili Safri Haliding Sahrul Gunawan Said, Muh. Sa’ad Saiful Muchlis Samsul Samsul Sapinah Sapsuha, Mubasysyyratul Ummah Sastri Ayu Wiranitania Selmiana Salam Siradjuddin Solly Aryza Sri Wahyuni St Hafsah Umar Sudarmi Sudarmi Sudarmi Sudarmi Sudirman Sufiani Zahra Sumarlin Sumarlin Sumarni S Supriadi Supriadi Syaharuddin Syaharuddin Syaharuddin Syahruddin Kadir Syam, Agus Syamsul Bahri Syamsurianto, Syamsurianto Syarif As'ad, Muhammad Syarif, Magfira Syaripuddin Syaripuddin Syatar, Abdul Tarmizi Tengku Riza Zarzani N Titin Hardianti Titin Hardianti Titin Hardianti Trisno Wardy Putra Umar Sulaiman Wulandari, Devy Zulfa Amani Zulika Zulika Zulkifli