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

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Analisis Pengaruh Islamicity Performance Index Terhadap Profitabilitas Bank Umum Syariah di Indonesia Tahun 2014-2018 Siva Nabilla; Rizal Pahlevi
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 12 No 1 (2021): 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.v12i1.2629

Abstract

This study aims to determine the effect of the Islamicity Performance Index on the Profitabilityof Islamic Commercial Banks in Indonesia in 2014-2018. Research variables consist of Return OnAsset (ROA), Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), and Islamic Income Ratiovs Non-Islamic Income Ratio (IsIR). The population of this research is all Islamic commercial banksin Indonesia. This research uses the purposive sampling method. The sample used in this study were9 Islamic Commercial Banks that meet the required criteria. The analysis method used is multipleregression. The results of this study indicate that according to the T-test (partially) the results are thePSR variable has a positive effect, the ZPR variable has a positive effect and the IsIR variable hasno and insignificant effect on the Return On Asset (ROA) of Islamic Commercial Banks. So it can beconcluded from the three variables tested, the PSR variable and the ZPR variable are variables thathave a positive effect in this study. Meanwhile, according to the F test (simultaneously), the results arethe variable Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), and Islamic Income Ratio vsNon-Islamic Income Ratio (IsIR) have a joint effect on Return On Assets (ROA). ) Sharia CommercialBank.
Analisis Kesesuaian Akad Musyarakah Mutanaqishah Pada Pembiayaan Griya iB Hasanah Dengan Fatwa Dsn No.73/Dsn-Mui/Xi/2008 di Bank BNI Syariah Kantor Cabang Bekasi Leni Astuti; Rizal Pahlevi
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 9 No 2 (2018): 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.v9i2.2742

Abstract

House prices that keep continue increasing have made people are rare to be able to buy houses incash. A way out for people who earn a minimum salary to get their own house is pay arrange or rent.This thesis describes the contract Musyarakah Mutanqishah in BNI Syariah Bank in financing Griya iBHasanah which is adjusted to the fatwa DSN No.73/DSN-MUI/XI/2008 (Musyarakah Mutanaqishah).The method that used in this research process is a qualitative descriptive analysis method. Datacollection is primary data, and secondary data. Primary data is obtained by interviewing the officialof BNI Syariah Bank. Library literature study was obtained from books, journals and documents thatrelated to the contract Musyarakah Mutanqishah. Data analysis technique done with three steps,namely data reduction, data presentation, and drawing conclusions from the results of the analysisof the data is proven by the accuracy of the data through triangulation techniques with sources. Theresults of this study indicate that the implementation of the contract Musyarakah Mutanaqishah infinancing Griya iB Hasanah in BNI Syariah Bank, Branch Office of Bekasi is in accordance with thefatwa dsn mui no.37/dsn-mui/ix/2008. But in its application there are discrepancies in aspects : first,musyarakah mutaqishah can be ‘ijarah’ to syarik or other side. Second, bear a loss appropriate withamount of capital. Third, the profits obtained from the ‘ujrah’ that are divided according to the agreedratio in the contract. while losses must be based on the proportion of ownership.
Co-Authors Leni Astuti Siva Nabilla