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All Journal Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Al-Qashdu: Jurnal Ekonomi dan Keuangan Syariah Robust: Research of Business and Economics Studies
Ummi Kalsum
IAIN Kendari
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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PENYERTAAN AKADWAKALAH PADA PEMBIAYAAN MURABAHAH (Studi Di BNI Syariah Cabang Kendari) Ummi Kalsum; Eka Rizky Saputra
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 1, No 1 (2016): June 2016
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i1.471

Abstract

Abstract Inclusion wakalah in murabaha financing is an innovative banking practitioners, hybrid contract, an agreement the two parties to implement a contract that contains two or more contract. Wakalah wal Murabahah is a financing agreement of sale and purchase, the bank as the seller has set aside and delegate to the customer as a buyer to purchase their own items needed on behalf of a third party bank independently. This study aims to determine the implementation of inclusion wakalah on murabaha financing at BNI Syariah Branch Kendari and economic overview of Islam against the inclusion of such contract. This study is a qualitative research using interview, observation and documentation to collect data, and then processed and analyzed by the reduction step, presentation and conclusion. Based on the nature and purpose, this study included descriptive exploratory study. The approach used in this study is normative. Based on the results of the study found a discrepancy between the implementation of inclusion wakalah on murabaha financing at BNI Syariah Branch Kendari with a scheme provided by the bank. First, themurabaha contract which should be done after the customer as the representative of the bank buys the goods to the supplier turned out to be held in conjunction with wakalah. Second, purchasing goods over to the customer representative was not in the name but in the name of customers bank itself. Third, funding the purchase of goods that should be paid directly by the bank to the supplier turned out to be melted first by transferring to customers' accounts.In the perspective of Islamic economics, murabaha wal wakalah included in this type of merger contract are allowed, but each pillar and second terms in this contract must be fulfilled if it will be combined. However, in practice, the financing murabaha wal wakalah happened in BNI Syariah Branch Kendari has invalidated one of the pillars and the terms of the sale and purchase namely the lack of traded goods and the goods are not the full property rights berakad parties. Offers to buy this kind of forbidden because included in the category of selling goods that are not owned, sell goods that is not your own and set a profit on goods that are not yet under control. Terms in wakalah also not fulfilled because the goods to be purchased has not become the property of the bank. The bank does not have a relationship of cooperation and agreement in the purchase agreements with suppliers of goods so that the purchasing process can not be delegated to the customer. Keywords: Inclusion, wakalah, murabaha financing, and BNI Syariah Branch Kendari
Otoritas Pengawasan Perbankan Syariah Di Indonesia Ummi Kalsum
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 3, No 2 (2018): December 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i2.1196

Abstract

Authority Supervision Banking Sharia in Indonesia to study on a critical aboutsupervision banking sharia from side juridical normative. Settings and supervisionbanking sharia based on Law Number 3 of 2004 concerning Changes the Law Number 23 of 1999 concerning Bank Indonesia and Law No. 21 of 2008 are the authority of BI. Post the enactment of Law No. 21 of 2011 concerning FSA then supervision banking the original sharia to be BI's authority to switch to OJK. With so, the institution Settings and development banking sharia too switch from BI to the OJK, Committee Banking Sharia (KPS) and changed by the OJK and expanded to be Committee Development Services Finance Sharia (KPJKS). For that needed cooperation good coordination between BI and OJK. While supervision from sharia permanent is do by DSN-MUI and in LKS level is DPS as extension hands of DSN-MUI. Because fatwas issued DSN-MUI fixed applies and regulations issued by the BI good PBI and SEBI be fixed to be umbrella law supervision of Islamic banks by DPS anyway applies .
Analisis Implementasi Prinsip Bisnis Ala Rasullulah Oleh Groceries Stall Di Pasar Sentral Kota Kendari Adzil Arsyi Sabana; Ummi Kalsum
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 5, No 1 (2020): June 2020
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v5i1.1959

Abstract

Penelitian ini dilaksanakan di pasar sentral Kota Kendari, dengan obyek penelitian groceries stall yang melakukan aktivitas berdagang di pasar sentral Kota Kendari, adapun tujuan penelitian ini adalah untuk menganalisis sejauh mana penerapan prinsip bisnis islam yang dilakukan groceries stall di pasar sentral Kota Kendari dengan menggunakan sampel sebnyak 21 responden dari 38 groceries stall yang di tentukan dengan sensus dan menggunakan analisis deskriptif kualitatif dengan mengguanakan alat nalisis tabulasi silang. Data primer diperoleh melalui wawancara kepada responden dan dan data skunder dari kantor Walikota Kendari. Ruang lingkup penelitian ini adalah implementasi prisip bisnis islam ala Rasulullah. Berdasarka hasil penelitian dan analisis menunjukan bahwa rata-rata 88,12 % groceries stall di pasar sentral Kota Kendari telah menerapkan kelima prinsip bisnis Islam ala Rasulullah, yakni (1) mancapai kepuasan dan keuntungan secara halal; (2) Jujur dan transparan; (3) memperlakukan tenaga kerja sebagai mitra; (4) menghindari sistim Ribawi. Responden dengan persentase tertinggi adalah 100% yakni memperlakukan tenaga kerja sebagai mitra, sedangkan responden dengan persentase terendah adalah 80,5% jujur dan transparan dalam berniaga.
Restrukturisasi Pembiayaan Murabahah Bermasalah (Studi Pada Bni Syariah Cabang Kendari) Ummi Kalsum; Rahmi Rahmi
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 2, No 2 (2017): December 2017
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v2i2.726

Abstract

This thesis research analyzes the process of restructuring on financing the problematic murābahahat PT. BNI Syariah Branch of Kendari. The results prove that the implementation of financingrestructuring murābahah in PT. BNI Syariah Kendari Branch through rescheduling (rescheduling),reconditioning (Return requirements) and restructuring (reordering). While theconstraints of restructuring implementation on Murabahah financing in PT. BNI Syariah KendariBranch is originated from the financing customer itself either from the absence of good customer'sintention to settle the troubled financing due to unwilling restructuring and unclear sources ofpayment after the restructuring. The bank overcomes these obstacles by taking precautions inanalyzing the financing customers, and considering third party installments and taking decisiveaction with the sale of the customer's collateral assets.
Distribusi Pendapatan dan Kekayaan dalam Ekonomi Islam Ummi Kalsum
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Vol 3, No 1 (2018): June 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i1.1187

Abstract

This article presents the critical study about distribution of income and wealth in Islamic economics perspective and 1945 constitution. The method of this study used descriptiveanalytical with library research approach. The result of this study showed that distribution of income and wealth is urgent in create the Human Falah. The main principles in distribution are justice and affection (brotherhood), meanwhile only there are two system of distribution, those are commercial with market mechanism and sistem which emphasize dimensions of justice for the weak people. In specifically doctrine of nationalism economy and doctrine of populist economy are present in article 33, 34, and 27, 1945 constitution of Indonesia. These articles are be the stronghold of nationalism economy and the stronghold for the prioritization of life neccesities whole of Indonesian people.
Take Over Kredit Kepemilikan Rumah dan Kesesuaiannya dengan Fatwa DSN-MUI (Studi Pada Bank Syariah Indonesia KC Kendari MT Haryono) Ummi Kalsum; Beti Mulu; Irma Zulvianti
Robust: Research of Business and Economics Studies Vol 2, No 1 (2022): Robust Edisi 3
Publisher : IAIN Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (110.344 KB) | DOI: 10.31332/robust.v2i1.4222

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pelaksanaan transaksi akad take over kredit pemilikan rumah di Bank Syariah Indonesia KC Kendari MT Haryono dan kesesuainnya dengan fatwa DSN No. 31/DSN-MUI/VI/2002. Jenis penelitian ini adalah penelitian deskriptif kualitatif dengan metode field research. Hasil penelitian ini menunjukkan bahwa pelaksanaan akad  take over di BSI KC Kendari MT Haryono sudah sesuai dengan fatwa DSN-MUI No.31/DSN-MUI/VI/2002 tentang pengalihan hutang.
PEMAHAMAN DAN KETERAMPILAN KERJA MAHASISWA SETELAH MENGIKUTI PRAKTIK KERJA DI BANK SYARIAH Muhammad Imran; Ummi Kalsum; Sailan Sailan; Muh Sajjaj Sudirman
Al-Qashdu : Jurnal Ekonomi dan Keuangan Syariah Vol 2, No 2 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/al-qashdu.v2i2.894

Abstract

This reserch aims to find 1) Does the practical experience in the field can improve students' understanding related to their work in Islamic banking? 2) Does the field practice experience can improve student work skills in Islamic banking? This research uses a qualitative method with a descriptive approach. Primary and secondary data were gathered for this study through observation, interviews, and documentation. The researches sample consisted of 9 Islamic banking students from the FEBI IAIN Kendari class of 2016/2017 who took part in the second batch of field experience practice. The research's descriptive methods include data reduction, data visualization, and conclusion-making. The results of the study demonstrate that the knowledge of the class of 2016/2017 students studying Islamic banking has greatly improved after they began taking part in Field Experience Practice (PPL 2) activities as opposed to earlier, when they solely learnt from lectures. Increasing knowledge and proficiency of working mechanisms also improves job skills.Keywords: Work Understanding; Work Skills; Practical Field Exprience
Co-Authors Adzil Arsyi Sabana Beti Mulu Eka Rizky Saputra Irma Zulvianti Muh Sajjaj Sudirman Muhammad Imran Rahmi Rahmi Sailan Sailan