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PEMBIAYAAN MUDHARABAH (BAGI HASIL) ANTARA PERBANKAN SYARI’AH DENGAN KAJIAN FIQIH Husnul Khotimah Sylvia
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 8 No 2 (2017): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Operasional perbankan syariah merupakan perpaduan antara aspek moral dan aspek bisnis yang bertujuan untuk memperoleh keuntungan dari setiap usahanya serta menghindari bunga, hal ini bertujuan agar para nasabah tidak dirugikan dan adanya unsur keadilan antara pihak perbankan dan nasabah ketika usahanya mengalami kerugian. Pola bagi hasil terdiri dari dua model yaitu akad mudharabah dan akad musyarakah. Lalu agaimana sesungguhnya sistem pembiayaan mudharabah menurut kajian fiqih, maka dalam materi ini hendak mencermati dan membahasa bagaimana konsep Mudharabah itu dikembangkan dalam fiqih dan dapat digunakan dalam Perbankan Islam. Konsep mudharabah antara Fiqih muamalah dengan prakteknya pada perbankan syariah di Indonesia tidak seratus persen sesuai, ada beberapa perbesaan berdasarkan ijtihad yang dilakukan melalui Dewan Syariah Nasional (DSN). Diantaranya adalah jangka waktu dan jaminan. Menurut mayoritas ulama, tidak dibolehkan adanya jangka waktu dalam mudharabah. Namun, dikarenakan pembiayaan yang diberikan oleh bank banyak untuk perdagangan jangka pendek, maka DSN membolehkan adanya jangka waktu tersebut.

SISTEM DAN PRAKTEK PEMBIAYAAN BAGI HASIL PADA PERBANKAN SYARIAH Husnul Khotimah Sylvia
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 9 No 1 (2018): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Perbankan syariah muncul karena praktek perbankan konvensional, yang didasarkan pada tingkat suku bunga yang dianggap sebagai riba yang tidak memberikan keadilan kepada rakyat dan hanya memberikan manfaat bagi bank sendiri.Oleh karena itu, perbankan syariah muncul untuk menawarkan profit and loss sharing. Dalam pelaksanaan keuntungan sistem pembiayaan berbagi dalam bank syariah menggunakan mudharabah dan musyarakah. Mudharabah diartikan sebagai kerjasama antara bank dan nasabah di mana modal (100%) dimiliki bank, sementara kontrak musyarakah didefinisikan sebagai suatu kemitraan antara dua pihak di mana masing-masing pihak memberikan kontribusi dana. Dalam prakteknya bank dan pelanggan sama akan mendapatkan keuntungan dari usahanya. Dalam rangka untuk memperoleh pembiayaan bagi hasil di bank syariah, maka pelanggan harus memenuhi prosedur yang ditentukan oleh bank.

PERAN PEMERINTAH DALAM MEMBANGUN EKONOMI SYARIAH DI INDONESIA Husnul Khotimah Sylvia
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 10 No 1 (2019): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

The role of the Government in developing and developing Islamic economics in Indonesia has a very urgent and important role capacity, because the determining factor for the sustainability of sharia economic development is the urgency of the government's role in several aspects; (1) The policy aspect of understanding the role of government according to Islam, (2) the basic aspects of Islamic economic policy, (3) the policy aspects of understanding the Islamic economic system, (4) the policy aspects of fulfilling the law, (5) the policy aspects of governance execution and development. If the five aspects can be fulfilled and carried out, then it is assured that Indonesia will experience overall economic growth, all levels of society will increase and there will be no imbalanced economic inequality.

PERAN PEMERINTAH DALAM MEMBANGUN EKONOMI SYARIAH DI INDONESIA Husnul Khotimah Sylvia
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 10 No 2 (2019): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

The role of the Government in developing and developing Islamic economics in Indonesia has a very urgent and important role capacity, because the determining factor for the sustainability of sharia economic development is the urgency of the government's role in several aspects; (1) The policy aspect ofunderstanding the role of government according to Islam, (2) the basic aspects of Islamic economic policy, (3) the policy aspects of understanding the Islamiceconomic system, (4) the policy aspects of fulfilling the law, (5) the policy aspects of governance execution and development. If the five aspects can be fulfilled and carried out, then it is assured that Indonesia will experience overall economic growth, all levels of society will increase and there will be no imbalanced economic inequality.

Analisis Studi Kelayakan Pendirian BPRS Patriot Cabang Bekasi Timur Husnul Khotimah Sylvia; Muhammad Asmawi
Millah: Journal of Religious Studies Vol. 19, No. 1, Agustus 2019 Penegakan Hukum Ekonomi Syariah dalam Pergeseran Paradigma Akad Perbank
Publisher : Program Studi Ilmu Agama Islam Program Magister, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/millah.vol19.iss1.art6

The success of BPRS in providing service to small and medium businesses is due to uts location close to people in need, simple service procedures that prioritize personal approaches and flexibility in financing patterns and models and more importantly, that BPRS are banks that use systems and principles Sharia. BPRS Patriot City Bekasi is a sharia banking service company, it will not be possible to avoid the reality of competition in the banking service industry wich is increasing. In connection with the quality of service in retaining customers and expanding marketing networks, BPRS Patriot Kota Bekasi should develop offices. The establishment of the Bekasi BPRS Patriot Branch Office is the righ choice. This is very good for the development of the BPRS but will also be able to contribute to the performance of the BPRS in general as well as for the economy of the community especially in the working area of the BPRS Patriot Bekasi. The results of the SWOT analysis are taken from various aspects. As such, the BPRS Patriot Bekasi is considered feasible and capable of establishing Branch Offices.

IMPLEMENTASI ETIKA BISNIS ISLAM DALAM PERBANKAN SYARIAH Rizki Annisa; Husnul Khotimah Sylvia; Nurafifah zahra
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 2 No 02 (2018): El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/elarbah.v2i02.700

Pangsa pasar perbankan syariah di Indonesia masih relatif kecil bila di bandingkandengan pangsa pasar konvensional namun perbankan syariah memiliki tingkatpertumbuhan tahunan yang cukup signifikan. Perkembangan pangsa pasar syariah inicuckup menggembirakan namun belum diikuti dengan penerapan prinsip etika bisnisislam yang yang maksimal. Pengungkapan informasi etis bank syaraih baik yang bersifatkuantitatif maupun kualitatif (aspek moral maupun material) adalah hal yang mutlak bagibank syariah sebab secara yuridis bank syariah memiliki tanggung jawab untukmenunjukan bahwa bank syariah telah benar-benar menerapkan prinsip etika bisnis islamdalam kegiatan oprasionalnya dan juga dalam memberikan panduan kepada para pihakpemangku kepentingan atau stakeholder (yang terdiri dari nasabah penabung, pemegangsaham, investor, obligasi, bank responden, regulator, pegawai perseroan, pemasok, danlingkungan masyarakat) dalam membuat keputusan-keputusan ekonomi dalam upayamewujudkan akuntabilitas publik

EFFECT OF RELATIONSHIP QUALITY TO BSI BRANCH PEMUDA JAKARTA CUSTOMER LOYALTY Asyifa Putri Alifah; Husnul Khotimah Sylvia; Badrah Uyuni; Muhammad Adnan
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 6 No 1 (2022): AL ARBAH JURNAL EKONOMI, BISNIS DAN PERBANKAN SYARIAH
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/elarbah.v6i1.1872

The high level of competition requires banking companies to pay attention to the importance of the elements of relationship quality (relationship quality) as an effort to retain existing customers. And This study aims to determine what factors affect relationship quality (quality of relationship) to loyalty customers at Bank Syariah Indonesia Jakarta Pemuda Branch Office. Study This study uses a quantitative approach and for this research sample is taken by using the slovin formula with a sample of 100 customers. Research data collection techniques were collected using observation techniques and questionnaires (questionnaire). Data analysis techniques in this study using Instrument Test (Validity & Reliability), Classical Assumption Test (Normality & Multicollinearity), Model Test (Simple Linear Regression, Coefficient Determination & Partial Correlation), Hypothesis Testing (t Test). Data processing in This research uses the SPSS (Statistical Package For Theft) software program Social Science) version 16.0 for windows. From the results of data processing Assumption Test Classical data is normal, from the results of the relationship quality t test (quality relationship) has a sig value of 0.00 < 0.05 which means that it has a significant significant to customer loyalty, from the results of the Coefficient of Determination Test The obtained R-Square value is 0.080 which means it has a strong relationship by 80% of customer loyalty while 20% is influenced by the variable other. The results of this study prove that relationship quality relationship) has a significant effect on customer loyalty at Islamic banks Indonesia Youth Branch Office.

ADVERTISING AND MARKETING ETHICS OF SHARIA BANKING Kartika Saraswati; Tirtha Shafa Serena; Tasya Uzmah Ibnah Fuad; Husnul Khatimah Sylvia
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 3 No 02 (2019): El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/elarbah.v3i01.2187

This article was prepared with the aim of describing an advertising code of ethics that is in accordance with sharia and the relevance of marketing to sharia banking. This paper is divided into several sections, the first explains the concept of islamic business ethics, the second part discusses islamic ethics about marketing, and the last discussion is about how to implement business ethics values derived from Muhammad’s praiseworthy in advertising islamic banking products.

CODE OF CONDUCT OF GOOD CORPORATE GOVERNANCE AT SHARIA BANK kartika Sharaswati; W Wulandari; Husnul Khotimah Sylvia; Heru Kuswandito
El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah Vol 4 No 01 (2020): El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah
Publisher : Program Studi Perbankan Syari'ah Fakultas Agama Islam Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar

As the development of Islamic Banks the importance of ethical values and norms can strengthen the bank's reputation for customers. Therefore, it is necessary to have a deep understanding for every banking person towards the Code of Conduct guidelines that better adjusts to business developments and applicable regulations and realizes the best practices of sharia banking that can prevent the occurrence of forms of irregularities (fraud) that might occur at Islamic banks. The implementation of Good Corporate Government is one tool to build the trust of customers, the community and the international community which is an absolute requirement for a bank institution to develop. Therefore, it is necessary to apply Good Corporate Government in Islamic banks that adjust to Islamic principles in banking operations. The role of the Sharia Supervisory Board (DPS) in Good Corporate Government in Islamic banks is very important to supervise and guarantee that the bank's operations are in accordance with Islamic principles. In other words, the implementation of Good Corporate Government will affect the banking code of ethics which is an important factor in carrying out day-to-day operations of the bank.

PEMBIAYAAN MUDHARABAH (BAGI HASIL) ANTARA PERBANKAN SYARI’AH DENGAN KAJIAN FIQIH Husnul Khotimah Sylvia
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 8 No 2 (2017): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v4i2.379

Operasional perbankan syariah merupakan perpaduan antara aspek moral dan aspek bisnis yang bertujuan untuk memperoleh keuntungan dari setiap usahanya serta menghindari bunga, hal ini bertujuan agar para nasabah tidak dirugikan dan adanya unsur keadilan antara pihak perbankan dan nasabah ketika usahanya mengalami kerugian. Pola bagi hasil terdiri dari dua model yaitu akad mudharabah dan akad musyarakah. Lalu agaimana sesungguhnya sistem pembiayaan mudharabah menurut kajian fiqih, maka dalam materi ini hendak mencermati dan membahasa bagaimana konsep Mudharabah itu dikembangkan dalam fiqih dan dapat digunakan dalam Perbankan Islam. Konsep mudharabah antara Fiqih muamalah dengan prakteknya pada perbankan syariah di Indonesia tidak seratus persen sesuai, ada beberapa perbesaan berdasarkan ijtihad yang dilakukan melalui Dewan Syariah Nasional (DSN). Diantaranya adalah jangka waktu dan jaminan. Menurut mayoritas ulama, tidak dibolehkan adanya jangka waktu dalam mudharabah. Namun, dikarenakan pembiayaan yang diberikan oleh bank banyak untuk perdagangan jangka pendek, maka DSN membolehkan adanya jangka waktu tersebut.

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