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All Journal Syi'ar Iqtishadi NISBAH: JURNAL PERBANKAN SYARIAH Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Social Science (JIESS)
Mira Rahmi
Universitas Pembangunan Nasional Veteran Jakarta
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analisis Pengelolaan Wakaf Uang Melalui Cash Waqf Linked Sukuk Dalam Meningkatkan Pemberdayaan Masyarakat Larasati Dhinarti Nurresi Putri; Mira Rahmi; Prima Dwi Priyatno
Syi`ar Iqtishadi : Journal of Islamic Economics, Finance and Banking Vol 5, No 2 (2021)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jiec.v5i2.12306

Abstract

This research aims to identify and analyze cash waqf management system and management of CWLS program in improving community empowerment at Indonesian Waqf Board (BWI). This research uses descriptive qualitative method with case study approach, starting with interviewing BWI and Achmad Wardi Eye Hospital. Then to prove validity of research data, researcher used technique triangulation method. Furthermore, researcher analyzed data by doing data reduction, data presentation, and concluding. The results of research show that management of cash waqf carried out by BWI is quite diverse so that scopes becomes wide. Management of CWLS has been running according to set plan, but not all CWLS programs are run by BWI, there are several programs whose benefits are distributed to nazhir institutions registered by BWI.Keywords: Cash Waqf, CWLS, Community Empowerment, Management
Model Pengelolaan Zakat Saham dan Investasi di Baznas (Bazis) Provinsi DKI Jakarta Fajria Nur Fitri; Mira Rahmi
Journal of Islamic Economics and Finance Studies Vol 2, No 2 (2021): JIEFeS, December 2021
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v2i2.3287

Abstract

AbstractIndonesia is one of the most populous Muslim countries, so it has a very large potential for zakat. The types of zakat in Indonesia are zakat fitrah and zakat maal, over time zakat maal has developed what is known as contemporary zakat in the form of professional zakat, stock zakat, investment zakat, deposit zakat and the like. Each type of zakat collected is expected to have the potential to improve the economy and prosper the people. Zakat shares in Indonesia have the distribution of funds from companies or individuals based on the results of company profits and share profits where this profit is given to mustahik. So from this research on the management of stock and investment zakat, the authors found that related problems are still found to be low awareness of shareholders and investors to pay their zakat. This study aims to explain the management model of stock and investment zakat, and analyze the stock and investment zakat program in Baznas DKI Jakarta Province. The method used is a qualitative descriptive approach, the data sources used are through previous research, books, and the results of interviews with resource persons who understand zakat shares and investments. The results obtained by Baznas DKI Jakarta Province in managing stock and investment zakat using the theory of Yusuf Qardhawi and in an effort to increase muzakki or investors of Baznas DKI Jakarta Province. AbstrakIndonesia merupakan salah satu negara berpenduduk muslim terbesar, sehingga memiliki potensi zakat yang sangat besar. Jenis-jenis zakat yang ada di Indonesia adalah zakat fitrah dan zakat maal, seiring berjalannya waktu zakat maal telah berkembang yang dikenal dengan istilah zakat kontemporer berupa zakat profesi, zakat saham, zakat investasi, zakat deposito dan sejenisnya. Setiap jenis zakat yang terkumpul diharapkan memiliki potensi untuk meningkatkan perekonomian dan mensejahterakan umat. Zakat saham di Indonesia memiliki pembagian dana dari perusahaan atau perorangan berdasarkan hasil keuntungan perusahaan dan keuntungan bagi hasil dimana keuntungan ini diberikan kepada mustahik. Maka dari penelitian tentang pengelolaan zakat saham dan investasi ini, penulis menemukan permasalahan terkait masih rendahnya kesadaran pemegang saham dan investor untuk membayar zakatnya. Penelitian ini bertujuan untuk menjelaskan model pengelolaan zakat saham dan investasi, serta menganalisis program zakat saham dan investasi di Baznas Provinsi DKI Jakarta. Metode yang digunakan adalah pendekatan deskriptif kualitatif, sumber data yang digunakan adalah melalui penelitian terdahulu, buku, dan hasil wawancara dengan nara sumber yang memahami zakat saham dan investasi. Hasil yang diperoleh Baznas Provinsi DKI Jakarta dalam mengelola zakat saham dan investasi menggunakan teori Yusuf Qardhawi dan dalam upaya meningkatkan muzakki atau investor Baznas Provinsi DKI Jakarta.
IMPLEMENTASI 5C PADA PROSES PEMBIAYAAN RUMAH BANK MEGA SYARIAH DEPOK SAAT COVID-19: IMPLEMENTATION OF 5C IN THE HOUSE FINANCING PROCESS OF MEGA SHARIA BANK DEPOK DURING COVID-19 Farra Zakiyah Putri Sholeha; Mira Rahmi; Siwi Nugraheni
NISBAH: Jurnal Perbanka Syariah Vol. 7 No. 2 (2021): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v7i2.4555

Abstract

Penelitian ini bertujuan untuk memahami bagaimana implementasi 5C terhadap proses pemberian pembiayaan perumahan murabahah di Bank Mega Syariah KCP Depok pada situasi COVID-19. Merupakan penelitian kualitatif dengan pendekatan studi kasus. Sumber data yang digunakan adalah sumber data primer meliputi manager dan analis pembiayaan yang berkaitan dengan pembiayaan pada bank tersebut juga memakai sumber data sekunder. Dalam memperoleh data, peneliti menggunakan teknik wawancara, observasi dan dokumentasi. Selanjutnya teknik yang digunakan untuk mengolah data meliputi reduksi data, penyajian data dan kesimpulan. Hasil yang didapat dari penelitian ini memberikan gambaran dan informasi mengenai penerapan 5C pada bank syariah terutama pada situasi COVID-19 bahwa pemberian pembiayaan pemilikan rumah dengan akad murabahah telah sesuai dengan prosedur yang ada. Prinsip 5C digunakan dalam tahap analisis pembiayaan untuk menentukan kelayakan nasabah dalam memenuhi kewajibannya juga menjaga agar tidak terjadi pembiayaan bermasalah, kelima poin digunakan pada tahap ini tetapi ada tiga poin yang menjadi acuan utama yaitu character, capacity, collateral sedangkan dua lainnya condition serta capital mendapatkan porsi yang kurang karena hanya dijadikan poin pendukung saja.
Pengaruh Literasi Asuransi, Religiusitas, dan Kualitas Pelayanan terhadap Minat Generasi Milenial Menggunakan Asuransi Syariah Rama Muhamad Pramudya; Mira Rahmi
Journal of Islamic Economics and Finance Studies Vol 3, No 1 (2022): JIEFeS, June 2022
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v3i1.4350

Abstract

AbstractRisk is something that cannot be predicted when it occurs and can cause a loss. Efforts to protect yourself become a necessary action to minimize the losses incurred. The millennial generation's concern for insurance is still lacking and tends to be more concerned with lifestyle than efforts to protect themselves by having insurance. This study aims to analyze the effect of insurance literacy, religiosity, and service quality on the millennial generation's interest in using sharia insurance. This study uses a quantitative approach, by collecting primary data taken through a questionnaire instrument with a total sample of 148 respondents. The data analysis technique used regression analysis with SPSS analysis test tool. The findings of this study indicate that the variables of insurance literacy, religiosity and service quality have a significant effect on the millennial generation's interest in using sharia insurance. Furthermore, partially found in this research that the religiosity variable has no effect on the millennial generation's interest in using sharia insurance. This research is expected to contribute to providing an overview of the relationship between insurance literacy, religiosity and views on service quality in the sharia insurance industry in increasing the sharia insurance market, especially among millennials. AbstrakRisiko merupakan hal yang tidak dapat diprediksi kapan terjadi dan dapat menimbulkan sebuah kerugian. Upaya memproteksi diri menjadi sebuah tindakan yang diperlukan guna meminimalisir kerugian yang ditimbulkan. Kepedulian generasi milenial terhadap asuransi dirasa masih kurang dan cenderung lebih mementingkan gaya hidup daripada upaya memproteksi diri dengan memiliki asuransi. Penelitian ini bertujuan untuk menganalisis pengaruh literasi asuransi, religiusitas, dan kualitas pelayanan terhadap minat generasi milenial dalam menggunakan asuransi syariah. Penelitian ini menggunakan pendekatan kuantitatif, dengan menghimpun data primer yang diambil melalui instrumen kuesioner dengan jumlah sampel sebanyak 148 responden. Teknik analisis data menggunakan analisis regresi dengan alat uji analisis SPSS. Temuan penelitian ini menunjukkan bahwa variabel literasi asuransi, religiusitas dan kualitas pelayanan berpengaruh signifikan terhadap minat generasi milenial menggunakan asuransi syariah. Selanjutnya secara parsial ditemukan dalam penelitan ini bahwa variabel religiusitas tidak berpengaruh terhadap minat generasi milenial menggunakan asuransi syariah. Penelitian ini diharapkan dapat berkontribusi dalam memberikan gambaran mengenai keterkaitan literasi asuransi, religiusitas serta pandangan terhadap kualitas pelayanan pada industri asuransi syariah dalam meningkatkan pasar asuransi syariah, khususnya di kalangan milenial.
Students Perceptions of Service Quality and Promotion of Interest in Using Wadiah Contract in Islamic Banks Ellisa Nur Amelia; Mira Rahmi; Lili Puspita Sari
Journal of Islamic Economics and Social Science (JIESS) Vol 2, No 2 (2021)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (182.316 KB) | DOI: 10.22441/jiess.2021.v2i2.003

Abstract

Users of wadiah savings accounts are more desirable in Islamic banks, this can be seen from the amount of wadiah savings in the financing data and third party funds of Islamic commercial banks in Islamic Banking Statistics 2020. The increase in users of wadiah savings accounts occupies 1.2% compared to mudharabah savings. The purpose of this study was to determine student perceptions of service quality and promotion of interest in using wadiah contracts in Islamic banks. This analysis uses service quality and promotion as independent variables. The dependent variable is interest. The sample of this research is students who have savings at Bank Syariah Mandri, Bank Negara Indonesia Syariah and Bank Rakyat Indonesia Syariah. Collecting data using a questionnaire that was distributed directly as many as 100 questionnaires. The method used in this research is multiple linear regression analysis, with hypothesis testing t test and f test. The results of this study indicate that service quality has a significant positive effect on interest, while promotion has a positive but not significant effect on interest. For service quality and promotion together have a significant positive effect on interest. The results of this study in the future contribute to the increase in Islamic bank customers through the use of wadiah contracts by improving the quality of services they have and increasing the promotions created.
Co-Authors Ellisa Nur Amelia Fajria Nur Fitri Farra Zakiyah Putri Sholeha Larasati Dhinarti Nurresi Putri Lili Puspita Sari Priyatno, Prima Dwi Rama Muhamad Pramudya Siwi Nugraheni