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All Journal Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Isfandayani .
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Prospek Adopsi Bank Syariah di Kalangan Civitas Akademika UNISMA Bekasi Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 7 No 2 (2016): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v7i2.1177

Abstract

One of Sharia Institutions in Indonesia is Islamic Bank, which develops rapidly. Unisma does not make partership with Islamic Bank. This becomes my background toconduct research entitle: The Prospect of Islamic Bank Adoption in The Civitas Academica of Unisma Bekasi. This research uses qualitative method with descriptiveand comparison analysis. Researcher wants to know how deep Unisma Civitas Academica understands about Islamic Bank concept and the prospects if Unisma invitesIslamic Bank as its partner. The prospects comparise finance, peaceful and service side. In this research it would be explained about steps if Unisma would like to add Islamic Bank as its partner. The goal of this research is; The Unisma Civitas Academica have good understand about Islamic Banking. If Unisma makes partnership with Islamic Bank (adoption), there would be 3 goals to reach. Firstly, Unisma would obtain more profit (compared to that obtained from interest of the existing conventional bank of which the Unisma’s partnership and equivalent rate of Islamic Bank of 2015). Secondly, it would be peaceful since it would be free from ‚riba‛ or interest system. Thirdly, Islamic Bank partnership is hopefully to be better, since Unisma parnership with conventional bank currently is not good. The procedures for Unisma to invite Islamic Bank as its partner are as follow: make comparison benefit research between conventional and Islamic bank intitutions, high level agreement conducted in management meeting, presentations from some Islamic Bank Institutions, the management selection among institutions and prepares infrastructures appropriate for their site plan building.
Penerapan Prinsip Kehati-hatian (Prudential Principle) dalam Pembiayaan Murabahah pada PT Bank BRISyariah : Studi Deskriptif Pada PT Bank BRISyariah Kantor Pusat Muhtar .; Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 6 No 2 (2015): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v6i2.1191

Abstract

The research objective of this study was to determine the application of Prudential Principle in murabaha financing at PT. Bank BRISyariah: Descriptive Study at Head Office PT. Bank BRISyariah. This study concludes that the purpose of the application of the precautionary principle in order to maintain the health, safety, and stability of national banking systems. In applying the prudential principle all employees of Bank BRI Syariah participate in applying the precautionary principle ranging from employees, directors, commissioners, sharia supervisory board, shareholders and affiliated parties. The application in murabaha financing at Bank has BRISyariah properly implemented, can be found at: Sides in accordance with the law of positive law and administrative law of shariah. And also, murabaha financing can assist banks know your customer and know the purpose of the customer makes a request for financing snd administration of murabaha financing, among others, the financing application documents and financing documents after disetujui.Sisi procedures murabaha financing made by the Bank BRISyariah quite a lot in order to carry out the prudential principle, reflected in the request for funding to finance monitoring. The Bank's risk management side BRISyariah two working unit of risk, ie work unit in charge of operational risk to mitigate operational risk and funding risk duty to mitigate financing risk.
Analisis Perbandingan Tingkat Kesehatan Bank Syariah Devisa dan Non Devisa Dengan Menggunakan Metode Camel : Studi Kasus PT Bank Syariah Mega Indonesia dan PT Bank Rakyat Indonesia Syariah Tahun 2009-2010 Mutia Ramadhani; Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 5 No 1 (2014): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v5i1.1196

Abstract

The purpose of this study was to determine the health of banks using the CAMEL and compare the results between Islamic banks and non-foreign exchange. The benefits of this research are expected to be material contribute ideas about the role and functions of financial management, especially in one of the functions that determine the health of banks. The method used is qualitative naturalistic method with secondary data sources (secondary data) are available on the Bank's internet service Indonesia.CAMEL is the rating that is based on five factors: Capital, Assets, Management, Earnings, and Liquidity. But in this research method used is due to limited scope CAMEL researchers, management aspects are considered 100% in the assessment. The conclusion from this study showed that foreign Islamic banks that have greater access to running services relating to transactions in foreign currencies, which are represented by PT. Bank Syariah Mega Indonesia in 2009 in a healthy position, as well as in 2010. Based on the calculation of capital ratios for two years, namely 2009 and 2010 PT. BSMI obtain CAR, BDR, KAP, ROA, ROA, CR, and LDR at position 100% healthy.
Optimalisasi Hasil Investasi Lembaga Keuangan Syariah (Studi Kasus Pada Institusi Asuransi Syariah) Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 2 No 1 (2011): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v2i1.1205

Abstract

The aim of this thesis is to analyze the investment strategy of PT Asuransi Takaful Keluarga in allocating fund on several investment instruments in order to obtain an optimum return. As we all know, invesment is one of the most important factors in fund management by a life insurance company. This is especially for Islamic insurance company which from the beginning has programmed a product with saving and non saving system, with outcome sharing for its customers. A company must manage its fund optimally to obtain a maximum return. However syariah funding company to be consistent in investing to avaid investmentgets containing maysir, gharar, and riba. In addition, there are also limitations of investment portions from the Indonesi ministry of Finane for syariah company. In this thesis, the author limits her analysis on five investment instrument, are deposits, shares, mutual fund, obligations, and murabahah financing. Those analysis also include kekafahan in kesyariahan each instrument, whether it is investment types in general or diversification outcome to any institution. However the observation was carried out only to observe investment in 2003. The processing of data was done by gathering investment data of five instrument, calculating outcome sharing or the obtained return this was followed by comparing the maximum outcome from another strategy through Lindo Program by changing the portion of each instrument and of course, according to the valid positive law. The outcome shares that a gifater return was obtained by an investment allocation strategy different from the policy of PT Asuransi Takaful Keluarga. Due to such fact it is haped that this method could be applied in composing an investment strategy for syariah companies particularity PT Asuransi Takaful Keluarga
Ekspektasi Masyarakat Bekasi terhadap Keberadaan Bank Syari’ah, Potensi dan Pengembangan Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 2 No 2 (2011): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v2i2.1212

Abstract

This study aimed to assess public expectations regarding the existence of Islamic banks of Bekasi, Potential and Development. From this study it can be concluded that the performance of Islamic banking is good, but still below the conventional market, especially in terms of cultivation. Achievement of the Islamic banking market is only 3%, so it needs to be improved in its marketing. It should be underlined that the information until the consumer is still limited so it will affect the decision process. The potential economic and population Bekasi City and can be targeted in the expansion area and the achievement of the target funding, financing, and services. Public knowledge about the Islamic banks is adequate, but less depth, so it needs socialization. The need for proper publicity is one important way to socialize. Bekasi community expectations that represented the respondents in this study is the addition of the service area of both branches and ATM outlets, a branch of Islamic banks in the traditional markets are great because this is where the real sector grew rapidly evolving andallegedly moneylenders. Another expectation is that there is excellent service with speed, accuracy, and friendliness giving rise to a sense of comfort and safety when working with Islamic banks. Easy financing micro-scale, increased sharing of savings is expected. Surely Islamic banks must be prepared to fund managers that are reliable and understand the rules of sharia
Pengawasan Perbankan Syariah untuk Optimalisasi Good Corporate Governance melalui Islamic Corporate Identity Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 3 No 1 (2012): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v3i1.1257

Abstract

Growth and development of Islamic economics can be viewed through Islamic financial institutions including Islamic banking. Islamic banking can be said to grow and develop from the BUS, UUS, SDI, Assets, and Customer. Existing data in 2011, BUS numbered eleven, and the 1253 Branch. UUS totaled 23 with 280 branches. BPRS total 151 with 291 branches. Human resources (SDI) amounted to 21 368 people. Growth and positive development of Islamic banking should always be supervised to ensure that public confidence continues to increase and maintain the continuity of Islamic banks themselves. Supervision of a well-run will optimize the Good Corporate Governance (GCG). One reflection of good Corporate Governance can be seen from the transparency of financial statements in which there is Islamic Corporate Identity. This study limits the analysis only to the products and the supervision of Islamic Corporate Identity contained in the financial statements of Islamic banks in Indonesia. Object of research is on the financial statements 2011 and for ten BUS BNI Syariah in 2010. Through this research is expected the application of Islamic Corporate Identity note in the financial statements and the optimal realization. GCG getting better and people's confidence will grow if the Islamic banks can highlight and apply Islamic Corporate it Identity
Efektivitas Manajemen Pemasaran pada Pembiayaan Warung Mikro : Studi Kasus Pada Bank Syariah Mandiri Kantor Cabang Pembantu Bekasi Timur Hendry Candra Laksmitawuri; Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 6 No 1 (2015): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v6i1.1291

Abstract

The title of this article is, "'Effectiveness of Marketing Management at Warung Micro Financing: A Case Study of Bank Syariab Mandiri Sub Branch OfBce Bekasi Timur". The conclusion of this article that the marketing management applied by Warung Micro BSMKCPBast Bekasi is by door to door, distribution ofb/vchurvs, an assessment directly to the market-the market, participate in events held by various parties as well as establishing a good relationship to customers has been granted financing facilities. In addition, based on observations of researchers, for the current marketing management applied by Warung Micro BSM appropriate theories that have been expressed by some experts* but the realization that there is not yet able to achieve the target set by the BSM allegedly due to lack of maximum employment marketing Warung Micro
Penerapan Akad Musyarokah Mutanaqisoh pada Bank Syariah Ratih Ramdhiana; Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 4 No 1 (2013): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v4i1.1297

Abstract

This study aims to determine the application of the contract Musyarakah Mutanaqisoh in Bank Muamalat Indonesia Branch of Rawamangun, East Jakarta. The method used was naturalistic qualitative. The methods of data collection techniques are interviews, documentation, and triangulation. This study proposed to account manager and Unit Support Investment Funds Branch of Bank Muamalat Indonesia Rawamangun, East Jakarta. This study would like to know how applying the contract of musyarokah in Islamic banks, how the implementation of the contract Musyarokah Mutanaqisoh Take Over the mortgage financing in Bank Muamalat Indonesia and how the advantages and disadvantages of the application of the contract Musyarokah Mutanaqisoh in Islamic banks. This research concludes that the implementation of the contract Musyarokah Mutanaqisoh on Islamic banks used to finance mortgages Take Over Bank Muamalat Indonesia Rawamangun Branch Office is in compliance with the rules and regulations of Islamic law related matters Mutanaqisoh Musyarokah theories that have been determined and approved by Dewan Syariah Nasional ( National Shari'a Board).
Pemetaan Peran Pemerintah Dalam Mengakselerasi Pengembangan Perbankan Syariah di Indonesia: Studi Kasus Otoritas Jasa Keuangan dan Bank Indonesia Isfandayani .
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 4 No 2 (2013): Maslahah : Jurnal hukum islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v4i2.1306

Abstract

The bank regulation and controlling will shift from Bank of Indonesia (Bl) and the Financial Services Authority (Otoritas Jasa Keuangan/OJK) commencing on 31 December 2013. It will be very interesting to be analyzed In the form of mapping of the government role to accelerate the Islamic Banking in Indonesia by using the Bl and OJK case study. The research explains the BI-OJK authority, the Bi-OJK coordination, the Islamic Banking development, the difference of BI-OJK from the Islamic banking view, from the analysis of 81 transfer to OJK needs proper preparation mainly the competent human resource in Islamic Banking
Co-Authors Hendry Candra Laksmitawuri Muhtar . Mutia Ramadhani Ratih Ramdhiana