Articles
ANALYSIS OF SOURCES OF FUNDS FOR INDONESIAN ISLAMIC BANKS
Zulkifli Hasibuan, Mhd;
Siregar, Saparuddin;
Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 1 (2022): February
Publisher : CV. Radja Publika
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DOI: 10.54443/ijebas.v2i1.136
Islamic banks are banks that carry out business activities based on sharia principles, or Islamic legal principles regulated in the fatwa of the Indonesian Ulema Council such as the principles of justice and balance ('adl wa tawazun), benefit (maslahah), universalism (natural ), and do not contain gharar, maysir, usury, injustice and unlawful objects. Funds can also be obtained from own capital, namely by issuing or selling shares. Acquisition of funds is also adjusted to the purpose of the use of these funds. The selection of funding sources will determine the size of the costs borne. Therefore, the selection of sources of funds must be done properly. If the purpose of obtaining funds is for daily activities, the source is clearly different from if the bank wants to make a new investment or to expand a business. Funds needed for the bank's main activities are obtained in various deposits, whereas if the funds needed are used for new investments or business expansion, they are obtained from own capital.
SHARIA BANK CORPORATE GOVERNANCE BASED ON MAQASHID SHARIA
Syahraini, Syahraini;
Siregar, Saparudin;
Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 1 No. 2 (2021): December
Publisher : CV. Radja Publika
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DOI: 10.54443/ijebas.v1i2.138
This study aims to determine the effect of Good Corporate Governance as measured by the number of sharia supervisory boards, sharia supervisory board meetings, the number of boards of directors, board of directors meetings, the number of commissioners, board of commissioners meetings on the performance of maqashid sharia. The results of this study indicate that the variable meeting the board of directors has a significant effect on the performance of maqashid sharia. While the variable number of sharia supervisory board, sharia supervisory board meeting, number of board of directors, number of board of commissioners and board of commissioners meeting on maqashid sharia performance.
LITERATURE REVIEW OF AGRIBUSINESS PRODUCT FINANCING DEVELOPMENT MODEL AT SHARIA BANK
Al Amin, Haris;
Siregar, Saparuddin;
Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika
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DOI: 10.54443/ijebas.v2i2.188
This study aims to analyze the development model of agribusiness product financing in Islamic banks in Indonesia. The data used in the analysis related to the research topic were taken from journal articles on Google Scholar. Data from these sources were then analyzed using a literature review approach. Based on the results of the analysis, it was found that several models of agribusiness product development at Islamic banks in Indonesia are different from the credit model, this Islamic financing is interest free, profit sharing is based on profit sharing made after the transaction period ends. This paper aims to introduce the Islamic financing model and the prospects for its implementation in the agricultural sector. The results of the study show that Islamic financing is prospective enough to strengthen capital in the agricultural sector. To support its implementation in the agricultural sector, it is necessary to take sides with policy makers as well as intensive socialization of the principles of Islamic financing. The modeling used in this research is a literature study or literature review. The literature study in this research was conducted to study the definition of keywords, to deepen theories and concepts and to identify variables related to the background and context of the research. Study of literature related to the model of developing financing for agribusiness products at Islamic banks in Indonesia, searching for journals using Google Scholar with the keywords "Agribusiness Products" and "Islamic Banks". ” found as many as 1040 papers but after reviewing there were 8 appropriate journal papers related to the title "Development of Agribusiness Products in Islamic Banks" with category years (2008-2021).
PROBLEMS OF AL-SHARF IMPLEMENTATION IN SHARIA BANKING (STUDY LITERATURE)
Simahatie, Mai;
Siregar, Saparuddin;
Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika
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DOI: 10.54443/ijebas.v2i2.218
This study aims to analyze the problems that occur in the implementation of the Sharf contract in Indonesian Islamic banking, this research method is a descriptive qualitative research design with Literature Review or literature review. The results of this study are currency exchange is allowed when if it can be proven that there are no elements of gharar, maisir, usury and juhala, Al-sarf which is allowed in Islamic Sharia is only Spot Transactions while Forward Transactions and Swap Transactions are unlawful, There are problems in the implementation of Al -Sharf such as there should be no delay in payment, it is difficult to identify the customer's purpose for exchanging currency, while it is known that the Al-sarf transaction should not be carried out for the purpose of speculation (chance) or because there is a need for a transaction or as a precaution (savings). And the lack of customer literacy in knowing how to calculate or determine the exchange rate, how to calculate the currency exchange rate itself, so that in Al-Sharf transactions it can cause gharar because it is not understood by both parties to the transaction.
ASSESSING RISK MANAGEMENT IN SHARIA BANKING
Yahya, M.; Saparuddin, Saparuddin;
Siregar, Siregar;
Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika
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DOI: 10.54443/ijebas.v2i3.267
Risk management is an important element whose application is very important, especially in Bank as one of financial institution. In the circumstances of the external and internal environments of the rapidly expanding banking, Islamic banks are always faced with various types of risk with varying levels of complexity and inherent in their business activities.s
ANALYSIS OF SOURCES OF FUNDS FOR INDONESIAN ISLAMIC BANKS
Zulkifli Hasibuan, Mhd;
Siregar, Saparuddin;
Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika
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DOI: 10.54443/ijebas.v2i3.268
Islamic banks are banks that carry out business activities based on sharia principles, or Islamic legal principles regulated in the fatwa of the Indonesian Ulema Council such as the principles of justice and balance ('adl wa tawazun), benefit (maslahah), universalism (natural ), and do not contain gharar, maysir, usury, injustice and unlawful objects. Funds can also be obtained from own capital, namely by issuing or selling shares. Acquisition of funds is also adjusted to the purpose of the use of these funds. The selection of funding sources will determine the size of the costs borne. Therefore, the selection of sources of funds must be done properly. If the purpose of obtaining funds is for daily activities, the source is clearly different from if the bank wants to make a new investment or to expand a business. Funds needed for the bank's main activities are obtained in various deposits, whereas if the funds needed are used for new investments or business expansion, they are obtained from own capital.
The Role of Women's Equality in Government Programs: An Analysis from the Perspective of Qira'ah Mubadalah
Najib, Afifun;
Sugianto, Sugianto;
Setyadi, Yusuf
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 9, No 1 (2025): Vol. 9, No. 1, October 2025
Publisher : Universitas Islam Sultan Agung
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DOI: 10.30659/jua.v9i1.48460
Women are frequently marginalised as a gender that receives less recognition in social life, particularly within patriarchal societies. In comparison to men, women experience inequality across various domains, both in societal contexts and within governmental structures. This phenomenon underscores the inherent injustices present in the dynamics between women and men. However, this does not imply that women's opportunities to assume leadership roles are entirely obstructed. This paper utilises the Qira'ah Mubadalah perspective, which emphasises the values of equality and justice for women, thereby advancing the role of equality between women and men. This research is qualitative in nature and employs an empirical-sociological approach. Primary data sources were obtained through field interviews, while secondary data were sourced from academic journals, implementation guidelines for the Family Hope Program, and relevant legislation. Data collection techniques included in-depth interviews conducted through direct fieldwork. The interview data were subsequently analysed using the Qira'ah Mubadalah framework. The findings indicate that women play a crucial role in the government's Family Hope Program (PKH). This is evident in the promotion of women's equality or reciprocity within PKH beneficiary families, the advancement of gender equity for women in the division of household responsibilities, and the reinforcement of equal relationships between men and women in the public sphere. Furthermore, this research contributes to enhancing public understanding and improving family law literacy. This paper may also pave the way for further exploration of the role of women's equality in other strategic government initiatives.
Strategi Pemasaran Tabungan Tahari Syariah Mabrur PT Bank Syariah Indonesia (KCP Medan Adam Malik)
Sabrinasyah, Ajengesti Latifah;
Sugianto, Sugianto
Widya Balina Vol. 8 No. 2 (2023): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina
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DOI: 10.53958/wb.v8i2.329
Tabungan Tahari Syariah Mabrur merupakan produk keunggulan PT Bank Syariah Indonesia KCP Medan Adam Malik, produk ini digunakan membantu nasabah menyelesaikan proses ibadah haji dengan akad Mudharabah mutlaqoah. Penulis menggunakan metode penelitian lapangan dengan pendekatan kualitatif deskriptif yang menekankan aspek pemahaman mendalam suatu masalah. Teknik analisis data menggunakan teknik reduksi data, penyajian data, triangulasi/validasi data dan menarik kesimpulan, yang berasal dari data primer diperoleh dari observasi, wawancara dan dokumentasi. Dan data sekunder diperoleh dari library research penelitian dan karya tulis ilmiah. Hasil penelitian menunjukkan produk tabungan tahari syariah mabrur di PT Bank Syariah Indonesia KCP Medan Adam Malik dalam operasionalnya sesuai syariat Islam, hanya saja kurang sosialisasi/penjelasan kepada nasabah yang belum paham akad mudharabah mutlaqah dalam tabungan tahari syariah mabrur bahkan adanya nisbah. Perlu strategi pemasaran tepat dalam memberikan pelayanan yang baik dan bertanggungjawab dengan menggunakan target pasar yang dituju, yaitu segmentation khusus segi daerah/wilayah, segi usia, dan segi status nasabah. Selain itu menggunakan bauran pemasaran unsur 4P, yaitu strategi produk, harga, saluran distribusi, dan terakhir strategi promosi menggunakan promosi periklanan, penjualan pribadi, promosi penjualan dan publisitas. Dapat disimpulkan kekuatan memiliki poin lebih besar daripada kelemahan sehingga peluang produk tabungan tahari syariah mabrur lebih besar dari pada ancamannya.
Strategi Pemasaran Produk Tabungan Mabrur Junior Pada Bank Syariah Indonesia KCP Aek Kanopan
Sipahutar, Ana Pahira;
Sugianto, Sugianto
Widya Balina Vol. 8 No. 2 (2023): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina
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DOI: 10.53958/wb.v8i2.330
Peneliti ini bertujuan untuk menganalisis strategi pemasaran yang digunakan dalam memasarkan produk tabungan mabrur junior pada Bank Syariah Indonesia KCP Aek Kanopan. Produk tabungan ini ditujukan untuk anak- anak dengan prinsip prinsip syariah yang diintegrasikan. Metode penelitian ini menggunakan penelitian lapangan yang bersifat deskriptif kualitatif. Adapun sumber data yang penelitian ini diperoleh dari sumber data primer dan skunder, dengan teknik studi pustaka, wawancara dan dokumentasi yang bertujuan untuk mendeskripsikan strategi pemsaran produk tabungan mabrur junior yang dilakukan Bank Syariah Indonesia KCP Aek Kanopan. Adapun strategi pemasaran yang diterapkan Bank Syariah Indonesia KCP Aek Kanopan yaitu dengan menerapkan empat unsur yang terdapat pada bauran pemasaran atau biasa disebut dengan marketing mix yakni strategi produk (product), strategi harga (price), strategi tempat (place), strategi promosi (promotion).
THE EFFECT OF INFLATION, BI RATE AND EXCHANGE ON PROFITABILITY IN SHARIA BANKING IN INDONESIA PERIOD OF 2009-2019
Fuadi, Fuadi; Saparuddin, Saparuddin;
Sugianto, Sugianto
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 1 (2022): January
Publisher : RADJA PUBLIKA
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DOI: 10.54443/ijerlas.v2i1.127
This study examined the effect of inflation, BI Rate, and exchange rate on profitability in Islamic banking in Indonesia during 2009-2019. The population and sample in this study were all Islamic banking in Indonesia obtained by purposive sampling technique. This study used quantitative secondary data sourced from financial statements accessed on the official website of Bank Indonesia and the Financial Services Authority. The data analysis method used was Vector Auto-Regressive (VAR) analysis with the help of Eviews 10. The results of the Variance Decomposition (VD) test showed that inflation could affect Return on Assets (ROA) of 0.62%. It indicated that inflation had a low or insignificant effect on the Return On Assets (ROA) of Islamic banking. BI Rate could affect the Return on Assets (ROA) of 0.13%, which indicated that inflation had a low or insignificant effect on the Return On Assets (ROA) of Islamic banking, while the exchange rate could affect the Return on Assets (ROA) of 1.89%, which indicated that the exchange rate had a significant effect on the Return On Assets (ROA) of Islamic banking. Based on the results of this study, it concluded that the exchange rate was more dominant in influencing the Return on Assets (ROA) of Islamic banking in the short and long term.