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All Journal Ahkam: Jurnal Ilmu Syariah El Dinar Jurnal Perspektif Ekonomi Darussalam Al Tijarah Jurnal EMT KITA Wikrama Parahita : Jurnal Pengabdian Masyarakat SAMARAH: Jurnal Hukum Keluarga dan Hukum Islam Journal of Sharia Economics JIHBIZ :Global Journal of Islamic Banking and Finance. JIMEBIS Share: Jurnal Ekonomi dan Keuangan Islam EKOBIS SYARIAH Islamic Business and Management Journal (IBMJ) Jurnal Pengabdian Masyarakat ISEI

Isnaliana Isnaliana

Universitas Islam Negeri Ar-Raniry, Banda Aceh

Author-ID : 3692428

Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

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PENETAPAN MARGIN KEUNTUNGAN MURABAHAH: ANALISIS KOMPARATIF BANK MUAMALAT INDONESIA DAN BANK ACEH SYARIAH Isnaliana Isnaliana
Share: Jurnal Ekonomi dan Keuangan Islam Vol 4, No 2 (2015)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Murabahah is one of the most dominant financing agreement applied in Islamic banking including Indonesia. Bank Muamalat Indonesia (BMI) and Bank Aceh Shariah (BAS) are two of many Islamic banks that have murabahah as a dominant product. Bank Muamalat Indonesia has 60%-70% murabahah financing out of its financing total, while Bank Aceh Sharia offers up to 97% of its financing fund for murabahah. This domination is related to its high compensations for customers that influence the increasing demand of this product. This article aims to determine the mechanism profit determination of murabahah financing at BMI and BAS in Banda Aceh. It is also aimed to examine the influence of Bank Indoensiaâ€™s rate to the determination of profit margin for murabahah at those banks. This study employs a comparative study analysis with qualitative approach. The findings show that the mechanism for profit determination was decided based on recommendation and suggestions from the Islamic banks ALCO Team Meeting. However, both Bank Muamalat Indonesia and Bank Aceh Shariah differ from determining the level of annual lending rate. It turns out that the determination of high or low margin was affected by internal and external factors. While the BI rate played as a benchmark (reference) for the banks to set a price in order to be competitive and also to calculate the possibility of inflation. =========================================== Murabahah merupakan salah satu akad pembiayaan yang paling dominan diaplikasikan pada perbankan syariah. Kondisi ini tidak hanya terjadi di Indonesia, namun juga di Negara-negara Muslim lainnya seperti Pakistan dan Malaysia. Begitu halnya dengan Bank Muamalat Indonesia cabang Banda Aceh dan Bank Aceh Syariah. Pada Bank Muamalat Indonesia pembiayaan ini berkisar 60-70%, sedangkan pada Bank Aceh Syariah mencapai 97% dari total pembiayaan. Tingginya harga jual murabahah ini tidak terlepas dari kelebihan yang dimilikinya, sehingga berdampak pada tingginya permintaan produk tersebut. Permasalahan dan tujuan penelitian ini yaitu, untuk mengetahui bagaimana mekanisme penetapan margin keuntungan murabahah dan bagaimana pengaruh BI rate terhadap penetapan margin keuntungan murabahah baik pada Bank Muamalat Indonesia (BMI) maupun Bank Aceh Syariah (BAS). Dalam penelitian ini penulis menggunakan metode komparatif analisis dengan pendekatan kualitatif research. Hasil penelitian menunjukkan bahwa mekanisme penetapan margin keuntungan murabahah pada dasarnya diputuskan melalui rekomendasi, usul dan saran Rapat Tim ALCO bank syariah. Meskipun demikian baik Bank Muamalat Indonesia maupun Bank Aceh Syariah berbeda dalam menetapkan tingkat lending rate pertahunnya, dan ternyata tinggi rendahnya penetapan margin pada kedua bank tersebut dipengaruhi oleh faktor internal dan eksternal bank. Sedangkan pengaruh BI rate terhadap penetapan margin keuntungan murabahah pada kedua bank tersebut sebagai benchmark (acuan) agar kompetitif dan perhitungan kemungkinan terjadinya inflasi.

ANALISIS PENERAPAN MANAJEMEN RISIKO DALAM UPAYA PENCEGAHAN PEMBIAYAAN BERMASALAH PADA PT. BPRS HIKMAH WAKILAH BANDA ACEH Sarah Nadia; Nevi Hasnita; Isnaliana I
Jurnal Ilmiah Mahasiswa Ekonomi dan Bisnis Islam Vol 1 No 2 (2020)
Publisher : Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Ar-Raniry Banda Aceh

Penelitian ini dilakukan untuk mengetahui faktor-faktor terjadinya pembiayaan bermasalah serta penerapan manajemen risiko dalam upaya pencegahan terjadinya pembiayaan bermasalah pada PT. BPRS Hikmah Wakilah Banda Aceh. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Teknik pengumpulan data yang digunakan yaitu wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa faktor terjadinya pembiayaan bermasalah terdiri dari faktor internal dan faktor eksternal. Adapun penerapan manajemen risiko yang digunakan yaitu identifikasi risiko, pengukuran risiko, pemantauan risiko dan pengendalian risiko. Keempat proses manajemen risiko di atas mencakup analisis 5C, kelengkapan dokumen, serta monitoring rutin dengan melakukan kunjungan harian. Dalam penyelesaian pembiayaan bermasalah PT. BPRS Hikmah Wakilah Banda Aceh menggunakan pendekatan persuasive dengan melakukan musyawarah yang kemudian diterapkan penjadwalan kembali (reschedulling), persyaratan kembali (reconditioning), penataan kembali (restructuring), hingga eksekusi jaminan. Penerapan manajemen risiko yang digunakan sudah berjalan dengan efektif dalam meminimalisasi risiko pembiayaan bermasalah. Hal ini di buktikan dengan penurunan tingkat Non Performing Financing (NPF).

Prilaku Pengusaha Elektronik Menurut Perspektif Etika Bisnis Islam (studi Kasus di Kota Banda Aceh Ayumiati Ayumiati; Azharsyah Ibrahim; Muhammad Arifin; Isnaliana Isnaliana
EKOBIS SYARIAH Vol 2, No 1 (2018)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Peneliti bertujuan melihat perilaku dari pengusaha elektronik di kota Banda Aceh dalam menentukan harga menurut etika bisnis islam dana pa saja faktor-faktor yang mempengaruhi perilaku dari pengusaha elektrronik dalam praktik jual beli. Hasil penelitian menunjukkan bahwa perilaku setiap pengusaha elektronik sangat di pengaruhi dengan motif keuntungan dan merekan tidak mengindahkan nilai-nilai yang terkadung dalam konsep etika Islam dalam bermuamalah dan faktor yang mempengaruhi pengusaha elektronik dalam menjual barangnya adalah merupakan harga, persepsi, kelangkaan dari barang dagangan, pengetahuan dari pengusaha elektronik, kejujuran serta dari segi pelayanan.

Bank Aceh Syariah Contribution in Supporting the Development of the Halal Tourism Sector In the City of Sabang Dara Amanatillah Amanatillah; Isnaliana Isnaliana; Jalilah Jalilah
Al Tijarah Vol. 9 No. 2 (2023): Al Tijarah | December
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/at.v9i2.10501

The presence of halal tourism does not only focus on halal products, which are life choices and follow Sharia rules for the community, but the involvement of the government and Islamic financial institutions, especially Islamic banking, is also a supporter of encouraging this sector, one of which is Bank Aceh Syariah. This research focused on contribution of Bank Aceh Syariah in supporting the development of the Halal tourism sector especially the MSME actors in the city of Sabang. This methodology used in this research is descriptive qualitative based on field research. The findings of the research stated that the contribution of Bank Aceh Syariah to supporting the development of the halal tourism sector in the city of Sabang is particularly carried out through fund distribution products, namely microfinance with murabahah and musyarakah schemes for MSME actors. However, Bank Aceh Syariah focuses not only on the financial aspect alone but also on assistance and supervision for MSME actors. In addition, the convenience of service facilities provided by Bank Aceh is also a supporting facility in facilitating transactions for business people and visiting tourists, such as the convenience of ATM facilities, Mobile ACTION, QRIS, and other facilities.

ANALISIS PENETAPAN MARGIN KEUNTUNGAN MURABAHAH PADA BANK SYARIAH DI INDONESIA Ahadi, Mu’thial; Zulhilmi, Muhammad; Isnaliana, Isnaliana
Jihbiz: Global Journal of Islamic Banking and Finance Vol 5, No 2 (2023)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v5i2.25423

Murabahah financing is a form of buying and selling financing with certain benefits added on top of the acquisition cost, where repayment can be made in cash or in installments. This study aims to look at the factors determining murabahah profit margins. The researcher uses a qualitative descriptive approach using primary data, library research, literature studies, and is also supported by related topics obtained from the web and information sources on Islamic banking. The results showed that the factors with the greatest potential in determining margins were internal factors (overhead costs, financing volume, profit targets, third party funds and acquiring costs) and external factors (BI rate and market competition).

Mapping Potensi Zakat di Desa Gunung Bungsu Evriyenni; Muksal; Analiansyah; Hasnita, Nevi; Inayatillah; Isnaliana; Cahyani, Aulia Dwi Oktavia; Zakiiya, Ghulaman
Jurnal Pengabdian Masyarakat Isei Vol. 1 No. 1 (2023): Jurnal Pengabdian Masyarakat Isei
Publisher : ISEI Cabang Pekanbaru, Koordinator Provinsi Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46750/abdimasisei.v1i1.153

Zakat management in Indonesia is regulated in Law Number 23 of 2011 concerning Zakat Management and Government Regulation (PP) Number 14 of 2014 concerning the Implementation of the Zakat Management Law. Zakat Management Institution in the Village Limited human resources and lack of managerial skills make the motivation to maximize the role of the existing Zakat Institution in Bungsu Village. For 3 days, Village Officials and the Community of Gunung Bungsu Village in XIII Koto Kampar District, Kampar Regency, Riau Province. FGD with service participants directly about economic problems, regional / natural resources potential, and the concept of zakat, as well as simulating the calculation, reporting and accounting of zakat. In addition to mentoring, it also involves expert lecturers in the field of zakat from UIN Ar Raniry Banda Aceh and from UIN Suska RIAU to provide an understanding of both fiqh, management, and application of professional management of zakat institutions

Analisis Dana Wadiah Terhadap Kinerja Bank Aceh Syariah Iskandar, Evy; Isnaliana, Isnaliana; Walidain, Birrul
Jihbiz: Global Journal of Islamic Banking and Finance Vol 7, No 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28622

Profitability data analysis is important for stakeholders in assessing company performance as a consideration in making decisions. This research aims to analyze the influence of wadi'ah savings and wadiah current accounts on the profitability of PT Bank Aceh Syariah. The data in this research comes from quarterly financial reports for 2016-2023 and was analyzed using multiple linear regression-OLS. The research results show that wadiah savings and wadiah current accounts partially and simultaneously have a good influence on the performance of Bank Aceh Syariah. These findings have implications for improving sharia financial governance and better bank services.AbstrakAnalisis data profitabilitas penting bagi pemangku kepentingan untuk menilai kinerja perusahaan sebagai pertimbangan dalam mengambil keputusan. Penelitian ini bertujuan untuk menganalisis pengaruh tabungan wadi'ah dan giro wadiah terhadap profitabilitas PT Bank Aceh Syariah. Data dalam penelitian ini bersumber dari laporan keuangan triwulan tahun 2016-2023 dan dianalisis menggunakan regresi linier berganda-OLS. Hasil penelitian menunjukkan bahwa tabungan wadiah dan giro wadiah secara parsial dan simultan memberikan pengaruh yang baik terhadap kinerja Bank Aceh Syariah. Temuan ini berimplikasi pada peningkatan tata kelola keuangan syariah dan layanan bank yang lebih baik.

REVITALISASI BISNIS PT. BPR INGIN JAYA AKSELERASI KONVERSI KE SYARIAH isnaliana, isnaliana; Meutuah, Arief; Syauqi Bin Armia, Muhammad
Jihbiz: Global Journal of Islamic Banking and Finance Vol 7, No 1 (2025)
Publisher : Program Studi Perbankan Syariah FEBI UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jihbiz.v7i1.28270

The presence of Qanun on Sharia Financial Institutions No. 11 of 2018 provides special rights for Aceh and contributes positively to the growth of the sharia banking industry. This phenomenon encourages banks operating in Aceh to transform into sharia banks. This research aims to analyze PT's conversion acceleration strategy. BPR Ingin Jaya from a conventional bank to a sharia bank, as well as identifying the obstacles faced in this process. The research method used is descriptive qualitative, with data collection techniques through interviews and documentation. The research results show that the strategy implemented by PT. BPR Ingin Jaya's acceleration of conversion includes fulfilling the conversion requirements set by the Financial Services Authority, developing a core banking IT system for BPR Syariah, training for employees, as well as recruiting candidates for the Sharia Supervisory Board. However, PT. BPR Ingin Jaya also faces several obstacles, including difficulties in fulfilling requirements in accordance with the provisions of the Financial Services Authority and a lack of customer understanding of the sharia banking system. These findings are based on a survey conducted by the bank via a questionnaire.AbstrakKehadiran Qanun tentang Lembaga Keuangan Syariah No. 11 Tahun 2018 memberikan hak istimewa bagi Aceh dan memberikan kontribusi positif bagi pertumbuhan industri perbankan syariah. Fenomena ini mendorong bank-bank yang beroperasi di Aceh untuk bertransformasi menjadi bank syariah. Penelitian ini bertujuan untuk menganalisis strategi percepatan konversi PT. BPR Ingin Jaya dari bank konvensional menjadi bank syariah, serta mengidentifikasi kendala yang dihadapi dalam proses tersebut. Metode penelitian yang digunakan adalah deskriptif kualitatif, dengan teknik pengumpulan data melalui wawancara dan dokumentasi. Hasil penelitian menunjukkan bahwa strategi yang diterapkan oleh PT. BPR Ingin Jaya dalam percepatan konversi meliputi pemenuhan persyaratan konversi yang ditetapkan Otoritas Jasa Keuangan, pengembangan sistem IT core banking bagi BPR Syariah, pelatihan bagi karyawan, serta rekrutmen calon Dewan Pengawas Syariah. Namun demikian, PT. BPR Ingin Jaya juga menghadapi beberapa kendala, antara lain kesulitan dalam pemenuhan persyaratan sesuai ketentuan Otoritas Jasa Keuangan dan kurangnya pemahaman nasabah terhadap sistem perbankan syariah. Temuan tersebut berdasarkan survei yang dilakukan pihak bank melalui kuesioner.

The Determinants of Tourists’ Intention to Visit Halal Tourism Destinations in Aceh Province Yusuf, Muhammad Yasir; Innayatillah, Innayatillah; Isnaliana, Isnaliana; Maulana, Hafiizh
Samarah: Jurnal Hukum Keluarga dan Hukum Islam Vol 5, No 2 (2021): Samarah: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Islamic Family Law Department, Sharia and Law Faculty, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/sjhk.v5i2.9270

This present study aims to identify the determinants of tourists’ intention towards halal tourism in Aceh Province. The population of this study was the tourists visiting Aceh Province in 2019 based on the data from the Central Bureau of statistics. The study used a quantitative research method, employing a purposive questionnaire to 300 local tourists and foreign tourists. The study analyzed the data using multiple linear regression with independent variables consisting of perceptions about access, communication, environment, and service. Overall, the study found that the perceptual attributes of access, communication, environment, and service were able to determine the tourists’ intention towards halal tourism in Aceh. The two most dominant determinants in shaping and encouraging increased intention in halal tourism were the Islamic environment and service for halal tourism. The study recommends the importance of adopting the Islamicenvironmental ecosystem and service as a market strategy for halal tourism destinations in Aceh Province.

Optimalization Micro Small And Medium Enterprises Role In Supporting The Halal Tourism Sector In Aceh Jalilah; Isnaliana; Djakfar, Inayatillah; Amanatillah, Dara
Islamic Business and Management Journal Vol. 8 No. 1 (2025): IBMJ | June
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/ibmj.v8i1.14658

Micro, Small and Medium Enterprises (MSMEs) and the tourism industry have an inseparable link because the availability of halal products or halal services is fundamental in building the halal tourism sector. Therefore, to support the development of the halal tourism sector, optimizing halal products, including MSME products, is one of the keys. This study aims to describe optimizing the role of MSMEs in supporting halal tourism in Aceh. The method used in this research is descriptive analysis with a qualitative approach. The data source used is primary data in the form of interviews with several related agencies, namely LPPOM MPU Aceh, Culture and Tourism Service, Aceh Cooperative and SME Service and MSME actors. The results of this research show that the government, through related institutions, namely LPPOM MPU, the Tourism Office and the Cooperatives and SMEs Service, has made efforts to support the development of the halal MSME sector in order to boost the halal tourism sector through the provision of facilities and various development programs that have been carried out. As for optimizing the role of MSMEs, if we look at the realization of objectives, alternative programs and resources, the role of MSMEs in supporting the halal tourism sector in its implementation is not yet optimal, even though the government itself has attempted various programs and policies to optimize the MSME sector.

Co-Authors Ahadi, Mu’thial Aini, Intan Qurratul Amalia, Zikra Amanatillah, Dara Analiansyah Ananda Rizkina arif arif Ashal, Farid Fathony Ayumiati, Ayumiati Azharsyah Ibrahim Cahyani, Aulia Dwi Oktavia Dara Amanatillah Amanatillah Eddy Gunawan, Eddy Evriyenni Evy Iskandar Farid Fathony Ashal Hafas Furqani Hafiizh Maulana Hasnita, Nevi Inayatillah Djakfar Innayatillah, Innayatillah Israk Ahmadsyah Jalilah Jalilah Jalilah Jalilah Jalilah Meutuah, Arief Muhammad Arifin Muhammad Yasir Yusuf Muhammad Zulhilmi Muksal Muksal Putri, Yossie Kenanga Qadrun Nada Rony, Zahara Tussoleha Sarah Nadia Syarifah Raudhah Syauqi Bin Armia, Muhammad Walidain, Birrul Wediansyah Wediansyah Zaki Fuad Zakiiya, Ghulaman

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