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All Journal El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah
Heru Kuswandito
Universitas Islam As-Syafiiyah
Humanities Economics, Econometrics & Finance Education

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ANALYSIS OF MURABAHAH FINANCING IN THE APPLICATION OF FINANCING SERVICES PRODUCTS IN SHARIA BANKING Heru Kuswandito; Muhamad Riwan
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 3 No 02 (2019): El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

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Abstract

The research theme is the concept of a bank in accordance with Islamic economics. The purpose of the study was to analyze murabaha financing in Islamic banking. Research is a literature study. The object of research is the banking industry in Indonesia. To ensure that the implementation of murabahah financing is in accordance with this concept, it requires strict supervision of the Sharia Supervisory Board or the National Islamic Council, so that murabahah as sharia banking financing can be maintained and does not tarnish the image and prestige of Islamic banking so that there is no impression that Islamic banks are the same as conventional banks.
SHARIA BANKING REGULATIONS CONCERNING MURABAHAH FINANCING IN INDONESIA Heru Kuswandito; Barkah Islamiati; Kartika Sharaswati
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 5 No 1 (2021): AL ARBAH JURNAL EKONOMI, BISNIS DAN PERBANKAN SYARIAH
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

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Abstract

Islamic banks as intermediaries for financial transactions, and provide a product in the form of financing and services for customers without usury which is different from conventional banks using interest or usury. In each of its products, the bank has legal regulations that exist in Indonesia, and in carrying out it must have a sharia supervisory board sent by the DSN-MUI, so that the product does not conflict with the Qur'an and Hadith, because Islamic banks must comply with provisions of the Qur'an and hadith that prohibit usury. The product that is most in demand is the sale and purchase contract, namely Murabaha. Murabahah is a sale and purchase contract in which the bank provides financing in the form of goods to the customer along with an initial agreement. The bank buys directly from the direct supplier and will give it directly, but the bank will give the price according to the initial agreement. The murabahah product itself is also believed to provide benefits to both the Islamic bank itself and the customer, to this customer it can also provide a small risk.
CODE OF CONDUCT OF GOOD CORPORATE GOVERNANCE AT SHARIA BANK kartika Sharaswati; W Wulandari; Husnul Khotimah Sylvia; Heru Kuswandito
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 4 No 01 (2020): El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

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Abstract

As the development of Islamic Banks the importance of ethical values ​​and norms can strengthen the bank's reputation for customers. Therefore, it is necessary to have a deep understanding for every banking person towards the Code of Conduct guidelines that better adjusts to business developments and applicable regulations and realizes the best practices of sharia banking that can prevent the occurrence of forms of irregularities (fraud) that might occur at Islamic banks. The implementation of Good Corporate Government is one tool to build the trust of customers, the community and the international community which is an absolute requirement for a bank institution to develop. Therefore, it is necessary to apply Good Corporate Government in Islamic banks that adjust to Islamic principles in banking operations. The role of the Sharia Supervisory Board (DPS) in Good Corporate Government in Islamic banks is very important to supervise and guarantee that the bank's operations are in accordance with Islamic principles. In other words, the implementation of Good Corporate Government will affect the banking code of ethics which is an important factor in carrying out day-to-day operations of the bank.
Co-Authors Barkah Islamiati Husnul Khotimah Sylvia Kartika Sharaswati Muhamad Riwan W Wulandari