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All Journal El-HARAKAH : Jurnal Budaya Islam Al-Ulum Al-Mizan (e-Journal) Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-'Adl Finansha: Journal of Sharia Financial Management Mutawazin (Jurnal Ekonomi Syariah) JUSTIN (Jurnal Sistem dan Teknologi Informasi) Al-Buhuts (e-journal) Madani: Jurnal Pengabdian Ilmiah. Talaa : Journal of Islamic Finance
Sofhian Sofhian
IAIN Sultan Amai Gorontalo
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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Tradisi Pohulo’o Gorontalo dalam Tinjauan Fiqh Sofhian Sofhian; Asna Usman Dilo
el Harakah: Jurnal Budaya Islam Vol 15, No 1 (2013): EL HARAKAH
Publisher : UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (177.773 KB) | DOI: 10.18860/el.v15i1.2675

Abstract

This research describe pohulo’o tradition (pawning) in Gorontalo society that related with the pawn concepth in Islam. Pohulo’o (pawning) system is relationship of law between somebody with land other possession, who accepth pawning money from him. As long as pawning money return yet, the land dominated by hold on pawning. While pawning in Islam or rahn is hold out one of property of borrower as guarantee on loan that he accepth. Based on the result of research showed that there are two kinds of pawning in pohulo’o tradition. First, gave guarantee goods like land or plants like coconut tree with prerequirment (a) return loan money after fall of time, (b) not return loan money after fall of time or in term Gorontalo society is pajaki. Second, without gave guarantee goods like land or plants like coconut tree, but who gave loan accepth 1/3 result of harvest as long as pawning time or back again money loan. The relevance with fiqh rahn view that from law, there are simillary in requirment and contract while the differenciate at used of land, property as pawning then the risk of pohulo’o. Penelitian ini menggambarkan tradisi pohulo’o (gadai) pada masyarakat Gorontalo yang dikaitkan dengan konsep gadai dalam Islam. Sistem pahulo’o (gadai) adalah hubungan hukum antara seseorang dengan tanah milik orang lain, yang telah menerima uang gadai darinya. Selama uang gadai belum dikembalikan, tanah tersebut dikuasai oleh “pemegang gadai” . Sedangkan gadai dalam Islam atau rahn yaitu penahanan harta salah satu milik peminjam sebagai jaminan atas pinjaman yang diterimanya. Berdasarkan hasil penelitian menunjukkan bahwa terdapat 2 jenis gadai dalam tradisi pohulo’o. Pertama, menyerahkan barang jaminan berupa lahan atau tanaman seperti pohon kelapa dengan ketentuan mengembalikan uang yang dipinjam setelah jatuh tempo dan tidak mengembalikan uang setelah jatuh tempo atau yang dikenal masyarakat Gorontalo dengan istilah pajaki. Kedua, tidak menyerahkan barang jaminan berupa lahan atau tanaman seperti pohon kelapa, tetapi pemberi pinjaman mendapat 1/3 hasil panen sepanjang kontrak gadai berlangsung atau sampai pinjamannya dikembalikan. Relevansinya dengan fiqh rahn Islam yakni dari segi hukum ada kesamaan dalam hal syarat dan akad sedangkan perbedaanya pada pemanfaatan lahan, harta yang digadaikan serta risiko yang timbul akibat praktek pohulo’o.
Implikasi Kebijakan Pembatasan Pembiayaan dan Pengaruhnya terhadap Rasio Pembiayaan Bermasalah pada Bank Muamalat Indonesia Regional Sulawesi, Maluku, Papua Sofhian Sofhian; Muh. Gifari Bachmid
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 1 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i1.17196

Abstract

Abstract                The purpose of this study is to find out what factors cause restrictions on the financing of funds, what are the implications of the Financing Restriction Policy at PT. Bank Muamalat Indonesia, Tbk Regional Sulawesi, Maluku, Papua               The research method used is a qualitative method obtained from 10 branch offices in the SULAMPUA area, by conducting in-depth interviews with competent informants who provide accurate information through telephone interviews and other online media.               The results of this study indicate that the financing restriction policy implemented by Bank Muamalat Indonesia Regional Sulampua, among others, is to improve the flow of the financing process by changing the limit of the financing breaker authority which was taken over by the head office financing division and revoking the branch office authority limit as a financing breaker, and removing all financing administration processes at branch offices because all financing processes must go through a centralized financing process that is centered on the Regional through Retail Financing Centers or Financing Operations, and most branch offices in the Sulampua Region are only allowed to carry out financing processes with low risk segments. The implication of this financing process is that it takes a long time, resulting in existing or new financing customers choosing to take over or move to another bank, the outstanding financing of BMI continues to decline. The centralization of the financing process resulted in the elimination of the existing financing administration functions at the branch offices and resulted in the transfer of employees who were previously in that position to the Regional Office in Makassar. Keywords; Implications, Financing Restrictions, Non-performing Financing Ratio
Strengthening Interest and Riba in Bank Financial Institutions Sofhian
Al-Mizan (e-Journal) Vol. 18 No. 2 (2022): Al-Mizan (e-Journal)
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Institut Agama Islam Negeri Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/am.v18i2.2968

Abstract

This research examines and substantially analyzes the problem of riba from a rational perspective, and at the end of this paper offers a profit-sharing system and profit-sharing system as an alternative solution to the interest system in the transaction system in banks (bank financial institutions). Interest in the study of riba has always been a topic that does not experience saturation and is still very hotly discussed in Islamic economics. This can be seen from the discussion of riba which has always colored the discourse of Muslim thought and debates that have barely found common ground. The results of the study display that the debate on thoughts about riba and bank interest shows that the issue of riba is very closely related to muamalah (economy) issues, especially those that occur in Bank financial institutions. The concept of riba turning into interest cannot be separated from the evaluation of the development of these financial institutions.
Electronic Wallet as a Multi Payment Media Solution in the Industrial Revolution Era 4.0: Study on FEBI Students IAIN Sultan Amai Gorontalo, Indonesia Sofhian, Sofhian; Da'aliwa, Mirsa Gulam
Talaa : Journal of Islamic Finance Vol. 1 No. 2: December 2021
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (531.992 KB) | DOI: 10.54045/talaa.v1i2.267

Abstract

In line with technological development, all forms of community activity have now shifted to digitalization, including payment activities. The purpose of this research is to examine and describe whether server-based electronic wallets can be a solution for multi-payment media in the era of the industrial revolution 4.0 for millennial and what electronic wallets better support the needs of multi-payment in the era of industrial revolution 4.0. The method used by the researcher in this research is the descriptive qualitative method. Data collection techniques used are interviews, observation, and documentation. In this study, the data obtained were analyzed using a phenomenological approach which was collected, reduced, presented, and then given a conclusion. The results of this study are that at FEBI IAIN Gorontalo there are 695 students of which 158 students use electronic wallets or about 22.73%. In use, electronic wallets can already be their multi-payment media solution in the era of the industrial revolution 4.0 because of the convenience factor where students can make various payments using smartphones, fast because payments are made only by scanning a QR code, economical because admin fees are cheap and free as well as lots of promos. , flexible because it can be used anywhere and under any conditions, safe to lose money and avoid theft and supervised by Indonesian Bank
Analisis Tingkat Kesehatan Bank Perkreditan Rakyat Syariah Berdasarkan Peraturan Bank Indonesia Nomor: 9/17/PBI/2007 Muslimin, Hamzah; Sofhian, Sofhian
Madani: Jurnal Pengabdian Ilmiah Vol. 3 No. 1 (2020): Madani: Jurnal Pengabdian Ilmiah
Publisher : LP2M IAIN Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (288.529 KB) | DOI: 10.30603/md.v3i2.2022

Abstract

This study aims to determine how the analysis of the development of the soundness level of Islamic Rural Banks (BPRS) based on the Bank Indonesia Regulation Number: 9/17/PBI/2007, this study uses a qualitative approach. The population in this study is to use the BPRS financial reports from 2010-2014. The sample selection used purposive sampling technique and used secondary data. The data analysis technique uses trend analysis. This trend analysis aims to determine the tendencies or trends in the financial condition of a company in the future, either up, down or fixed. This analysis technique is usually used to analyze financial statements. This analysis is intended to determine the development of the company through the past time travel and projecting the situation from that period to the next. Research Results From the assessment of banking health and its relation to the CAMEL ratio, the Sharia Rural Bank (BPRS) has experienced an increase and decrease in the percentage due to the lack of ability of the BPRS to face the competition that occurs in the banking system which is the cause of the fluctuation in Islamic Rural Banks.
Pengaruh Earnings Per Share (EPS) dan Price Terhadap Book Value (PBV) tentang Harga Saham Perbankan Syariah dan Konvensional di BEI (2020-2022) Sofhian, Sofhian; Roni Mohamad; Zulkifli Repikasa Asipu
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.v20i1.5169

Abstract

This study aims to determine: (1) Does Earning Per Share affect the stock price of Islamic banking. (2) Does Earning Per Share affect the stock price of conventional banking. (3) Does Price to Book Value affect the share price of Islamic banking. (4) Does Price to Book Value affect the share price of Conventional banking. (5) Do Earning Per Share and Price to Book Value affect the share price of Islamic banking. (6) Do Earning Per Share and Price to Book Value affect the stock price of Conventional banking. The population in this study were Islamic and conventional banking companies listed on the Indonesia Stock Exchange with samples taken, with samples selected 3 Islamic banking companies and 3 conventional banks. Sampling using purposive sampling method. The results of this study indicate that the effect of EPS and PBV on the share price of Islamic and conventional banking shows a significant difference. Overall, the value of EPS and PBV of conventional banking is superior to the value of EPS and PBV of Islamic banking. However, the value of EPS and PBV of Islamic banking tends to be stable and able to grow positively
ANALISIS PREFERENSI NASABAH PENABUNG PADA BANK MUAMALAT INDONESIA Tbk. CABANG GORONTALO Sofhian, Sofhian
Li Falah: Journal of Islamic Economics and Business Vol. 1 No. 2 (2016): December 2016
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v1i2.485

Abstract

تجریدالبحث ھدف ھذا البحث إلى تحلیل العوامل المؤثرة في تفضیلات العملاء المدخرین لاستخدام الإنتاجات التي قدمھا بنك المعاملات الإندونیسي بغورونتالو، والبیانات المحلولة خلال ھذا البحث ھي البیانات الرئیسیة حیث اختار الباحث في بحثھ مائة مستجوب بتوزیع استبانات على جمیع عملاء ھذا البنك، ولحل البیانات المجموعة استعان الباحث بتحلیل العوامل. . وأما لتنظیمھا، فاستعان بالبرنامج المسمى بالحزمة الإحصائیة للعلوم الاجتماعیة للنسخة 20 ودلت نتائج البحث على أن ھناك سبعة عوامل یؤثر كل منھا في تفضیلات العملاء لاستھلاك إنتاجات بنك المعاملات الإندونیسي بغورونتالو، والعوامل السبعة ھي: عامل الشریعة، وعامل العلامة الإنتاجیة والإدارة، وعامل التسھیلات، وعامل الخدمة، وعامل الموضع، وعامل الاجتماع، وعامل الإنتاج. وانطلاقا من نتائج البحث، تم العثور على أن عامل الخدمة ھو أبرز ھذه العوامل السبعة جمیعا في تفضیلات العملاء المدخرین لاستھلاك إنتاجات بنك المعاملات بغورونتالو. وھذا العامل یتكون من خمسة متغیرات، وھي: سرعة الخدمة، والتواضع، والتھیؤ والإرضاء، والصبر الفائق من قبل الموظفین عند قیامھم بخدمة العملاء، وأن بنك المعاملات الموجود في غورونتالو یعتبر ذا سمعة عالیة بقیاس غیره من البنوك الشرعیة الموجودة بإندونیسیا جمیعا، وكما تم العثور على أن عامل الشریعة أیضا قد لا یقل تأثیرا في ترغیب العملاء المدخرین لعقد صفقاتھم عند ھذا البنك. الكلمة المفتاحیة: تحلیل التفضیلات، العملاء المدخرون.
Co-Authors Anak Agung Gede Sugianthara Arni lasoma Da'aliwa, Mirsa Gulam Helen Sasty Pratiwi, Helen Sasty Helina Y Pakaya Herry Sujaini Hudodo, Nur Shaffitri Iin Angraini Napu Mohamad, Roni Muh. Gifari Bachmid Muslimin, Hamzah Nur Shaffitri Hudodo Sri Nur Ain Suleman Yuni Utami Yuni Utami Yusran Zainuddin Zulkifli Repikasa Asipu