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All Journal Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Fajri Ryan Isnandar
Program Studi Perbankan Syariah FAI UNISMA Bekasi
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Other

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Analisis Kinerja Bank Syariah di Indonesia Dengan Pendekatan Sharia Maqashid Index (SMI)Tahun 2016-2018 Ihda Lasna Sari; Fajri Ryan Isnandar
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 2 (2020): 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.v11i2.2624

Abstract

This study aims to analyze the performance of Islamic banks using the Sharia Maqashid Index.The variables used in this method adopt Abu Zahra’s maqashid sharia theory, namely Tahdhib alFardh (Individual Education), Iqamah al Adl (Enforcing Justice), and Jalb al Maslahah (Achievementof welfare). From these variables finally obtained 10 performance ratios used in measuring theperformance of Islamic banks, which are then given the respective weights. The existence of thismethod originated from the inadequacy of Islamic bank performance measurements that use generalperformance measurements commonly used in conventional banks in general. This performancemeasurement was promoted by Mustafa Omar, et al in 2008 in his research entitled “The PerformanceMeasures of Islamic Banking Based on the Maqasid Framework”. The object of this research is 12BUS in Indonesia. The data used is the annual report of 12 BUS in 2016-2108. The results of thisstudy indicate that among 12 BUS in Indonesia, Bank Panin Dubai Syariah obtained the highestSMI value with an index value of 36.75. These results indicate that Panin Dubai Syariah Bankhas a good performance using the Sharia Maqashid Index. Rank 12 BUS in Indonesia as follows:Bank Panin Dubai Syariah, Bank Victoria Syariah, BCA Syariah, Bank Muamalat Indonesia, BankSyariahBukopin, BTPN Syariah, Bank BRI Syariah, Bank BNI Syariah, Bank SyariahMandiri,MaybankSyariah Indonesia, Bank JabarBanten Sharia, and Bank Mega Syariah.
Analisis Mitigasi Risiko Pada Pembiayaan Mudharabah di PT. Bank Syariah Mandiri Sofiyyatul Huda; Fajri Ryan Isnandar
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): 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.v11i1.2760

Abstract

Mudharabah financing is a form of cooperation between two or more parties, in which the ownerof the capital (shahibul maal) entrusts a certain amount of capital to the manager (mudharib) to bemanaged with a profit-sharing agreement (profit sharing). This study aims to determine what risksarise in mudharabah financing and how risk mitigation is carried out by Bank Syariah Mandiri. Thisresearch is research using descriptive qualitative method. Data were collected through observation,interviews with the FGD (Focus Group Discussion) method with 4 (four) sources and documentation.The method of data analysis was done by using the descriptive analysis method.. The results show thatthe risks that arise in mudharabah financing at Bank Syariah Mandiri are: First, the risk of financingcaused by the customer not being able to pay their obligations to the bank, and second, the legalrisk caused by the weakness of the agreement (agreement). As for the mitigation carried out by BankSyariah Mandiri in dealing with risks that arise in mudharabah financing, namely: First, by rigorouslyconducting 5C and 6A analysis. Second, by taking steps to save financing, including (1) intensivecollection, (2) giving warnings, (3) rescheduling, (4) reconditioning, (5) restructuring, (6) settlementthrough guarantee insurance, (7) Settlement through guarantees, (8) Settlement through Write Off,(9) Settlement through stipulation of fines / ta’wid. From risk mitigation carried out by Bank SyariahMandiri, it has been able to minimize the risks that occur in mudharabah financing.
Co-Authors Ihda Lasna Sari Sofiyyatul Huda