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IMPLEMENTASI âAL-âUQUD AL-MURAKKABAHâ ATAU âHYBRID CONTRACTSâ (MULTI AKAD) GADAI EMAS PADA BANK SYARIAH MANDIRI DAN PEGADAIAN SYARIAH Sahal, Lutfi
At-Taradhi Vol 16, No 2 (2015): JURNAL STUDI EKONOMI
Publisher : IAIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v16i2.558

The practice of gold pawning in Bank SyariahMandiri and Pawn often reapsthe doubting regarding the correctness of these products. These doubts arise because of the imposition of a multi contract. Likewise the use of multi-contract and calculation of the cost of storage leases (Ijara) carried out by the Islamic pawnshop raised doubts about the correctness of the sharia pawn contract. The doubt arises because there is a provision of Law Compilation of SyariahEconomics and DSNMUI Fatwa which has been violated. The aim of this study was to obtain an overview of the settings in practice use of multi syariah pawn contract in the contract carried out by the Islamic pawnshop connected with Perma No. 2 In 2008 about Law Compilation of Islamic Economics as well as to obtain certainty about the legal consequences of Storage Fee Calculation Lease (Ijara) in the lien contract carried out by the Islamic pawnshop associated with DSN MUI Fatwa No. 25 / DSN-MUI / III / 2002 on Rahn.

IMPLEMENTASI âAL-âUQUD AL-MURAKKABAHâ ATAU âHYBRID CONTRACTSâ (MULTI AKAD) GADAI EMAS PADA BANK SYARIAH MANDIRI DAN PEGADAIAN SYARIAH Sahal, Lutfi
At-Taradhi Vol 6, No 2 (2015)
Publisher : IAIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v6i2.717

Abstract: The practice of gold pawning in Bank SyariahMandiri and Pawn often reapsthe doubting regarding the correctness of these products. These doubts arise because of the imposition of a multi contract. Likewise the use of multi-contract and calculation of the cost of storage leases (Ijara) carried out by the Islamic pawnshop raised doubts about the correctness of the sharia pawn contract. The doubt arises because there is a provision of Law Compilation of SyariahEconomics and DSNMUI Fatwa which has been violated. The aim of this study was to obtain an overview of the settings in practice use of multi syariah pawn contract in the contract carried out by the Islamic pawnshop connected with Perma No. 2 In 2008 about Law Compilation of Islamic Economics as well as to obtain certainty about the legal consequences of Storage Fee Calculation Lease (Ijara) in the lien contract carried out by the Islamic pawnshop associated with DSN MUI Fatwa No. 25 / DSN-MUI / III / 2002 on Rahn.

IMPLEMENTASI AL-UQUD AL-MURAKKABAH ATAU HYBRID CONTRACTS (MULTI AKAD) GADAI EMAS PADA BANK SYARIAH MANDIRI DAN PEGADAIAN SYARIAH Sahal, Lutfi
At-Taradhi Jurnal Studi Ekonomi Vol 6, No 2 (2015)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Abstract: The practice of gold pawning in Bank SyariahMandiri and Pawn often reapsthe doubting regarding the correctness of these products. These doubts arise because of the imposition of a multi contract. Likewise the use of multi-contract and calculation of the cost of storage leases (Ijara) carried out by the Islamic pawnshop raised doubts about the correctness of the sharia pawn contract. The doubt arises because there is a provision of Law Compilation of SyariahEconomics and DSNMUI Fatwa which has been violated. The aim of this study was to obtain an overview of the settings in practice use of multi syariah pawn contract in the contract carried out by the Islamic pawnshop connected with Perma No. 2 In 2008 about Law Compilation of Islamic Economics as well as to obtain certainty about the legal consequences of Storage Fee Calculation Lease (Ijara) in the lien contract carried out by the Islamic pawnshop associated with DSN MUI Fatwa No. 25 / DSN-MUI / III / 2002 on Rahn.

IMPLEMENTASI AL-UQUD AL-MURAKKABAH ATAU HYBRID CONTRACTS (MULTI AKAD) GADAI EMAS PADA BANK SYARIAH MANDIRI DAN PEGADAIAN SYARIAH Sahal, Lutfi
At-Taradhi Jurnal Studi Ekonomi Vol 6, No 2 (2015)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v6i2.717

Abstract: The practice of gold pawning in Bank SyariahMandiri and Pawn often reapsthe doubting regarding the correctness of these products. These doubts arise because of the imposition of a multi contract. Likewise the use of multi-contract and calculation of the cost of storage leases (Ijara) carried out by the Islamic pawnshop raised doubts about the correctness of the sharia pawn contract. The doubt arises because there is a provision of Law Compilation of SyariahEconomics and DSNMUI Fatwa which has been violated. The aim of this study was to obtain an overview of the settings in practice use of multi syariah pawn contract in the contract carried out by the Islamic pawnshop connected with Perma No. 2 In 2008 about Law Compilation of Islamic Economics as well as to obtain certainty about the legal consequences of Storage Fee Calculation Lease (Ijara) in the lien contract carried out by the Islamic pawnshop associated with DSN MUI Fatwa No. 25 / DSN-MUI / III / 2002 on Rahn.

IMPLEMENTASI AL-UQUD AL-MURAKKABAH ATAU HYBRID CONTRACTS (MULTI AKAD) GADAI EMAS PADA BANK SYARIAH MANDIRI DAN PEGADAIAN SYARIAH Lutfi Sahal
At-Taradhi Jurnal Studi Ekonomi Vol 6, No 2 (2015)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v6i2.717

Abstract: The practice of gold pawning in Bank SyariahMandiri and Pawn often reapsthe doubting regarding the correctness of these products. These doubts arise because of the imposition of a multi contract. Likewise the use of multi-contract and calculation of the cost of storage leases (Ijara) carried out by the Islamic pawnshop raised doubts about the correctness of the sharia pawn contract. The doubt arises because there is a provision of Law Compilation of SyariahEconomics and DSNMUI Fatwa which has been violated. The aim of this study was to obtain an overview of the settings in practice use of multi syariah pawn contract in the contract carried out by the Islamic pawnshop connected with Perma No. 2 In 2008 about Law Compilation of Islamic Economics as well as to obtain certainty about the legal consequences of Storage Fee Calculation Lease (Ijara) in the lien contract carried out by the Islamic pawnshop associated with DSN MUI Fatwa No. 25 / DSN-MUI / III / 2002 on Rahn.

Strategi Pengembangan Prodi Asuransi Syariah Fakultas Ekonomi dan Bisnis Islam UIN Antasari Banjarmasin dengan Menggunakan Analisis QSPM (Quantitative Strategic Planning Matrix) Lutpi Sahal; Rimayanti Rimayanti; Elida Mahriani; M. Ferry Hidayat
At-Taradhi Jurnal Studi Ekonomi Vol 14 No 2 (2023): At-Taradhi: Jurnal Studi Ekonomi
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/taradhi.v14i2.9132

There are only 3 PTKINs in Indonesia that have opened a Sharia Insurance Undergraduate study program, including UIN Antasari Banjarmasin. Regionally, in Kalimantan, this is the only study program within PTKI. So far, the study program has established cooperation in the form of student apprenticeships, while in the form of professional training is very limited. Therefore, it is necessary to know more about the expectations of external stakeholders for the Sharia Insurance Study Program, especially regarding the competency of alumni needed by the Sharia insurance industry, internal and external factors that need to be considered in the development of the study program, then also how to develop an appropriate study program development strategy with the development of the world of work. This research is quantitative research with a descriptive approach. The data analysis methods are IFE, EFE, IE, SWOT, and QSPM Matrix. The results have shown that the competencies needed by the insurance industry to increase the absorption of alumni in the world of work, among others, for students in the form of soft skills and hard skills, the ability of lecturers to combine theory and practice during the learning process, for study programs to increase the availability of learning facilities and infrastructure both in quantity and quality, cooperate with UPKK UIN Antasari & alumni, and take advantage of cooperation agreements with hospitals & insurance. The strategy for developing the Sharia Insurance Study Program of the Faculty of Economics and Islamic Business using QSPM (Quantitative Strategic Planning Matrix) analysis is in quadrant II, namely market penetration and product development strategies.

Enhancing entrepreneurship learning: An evaluation of graduate profile-aligned courses at FEBI UIN Antasari Sahal, Lutpi; Qamaruddin, Muhammad
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art26

IntroductionIn the dynamic landscape of higher education in Indonesia, the Faculty of Islamic Economics and Business (FEBI) at the State Islamic University (UIN) Antasari Banjarmasin faces the challenge of improving the quality of education, particularly in courses designed to align with the entrepreneurship graduate profiles. Entrepreneurial education is emerging as a solution to the high unemployment rates among college graduates.ObjectivesThis study aimed to evaluate courses aligned with entrepreneurship graduate profiles at FEBI UIN Antasari, focusing on enhancing students' entrepreneurial motivation. This research employs the Context, Input, Process, Product (CIPP) evaluation model to examine various learning components.MethodThe study used a combination of quantitative and qualitative research methods, including surveys, focus group discussions (FGDs), and in-depth interviews with students, faculty managers, and lecturers. The evaluation focused on curriculum development, teaching materials, collaboration with practitioners, practicum facilities, lecturer training and certification, student internships, talent mapping, and alumni networks.ResultsThe findings highlight the importance of curriculum reviews involving entrepreneurship practitioners, development of standardized teaching materials, practical entrepreneurship activities, and collaboration between academics and practitioners. Student feedback indicates a positive evaluation of the courses, but also identifies areas for improvement, such as updating teaching materials, enhancing teaching methods, and maximizing the use of infrastructure.ImplicationsThe results underscore the need for continuous improvement in entrepreneurial education to foster entrepreneurial motivation and produce graduates equipped to thrive in a competitive job market. Enhancing practical experiences, fostering collaboration, and updating teaching methods are crucial steps for improving the quality of entrepreneurship education.Originality/NoveltyThis study provides a comprehensive evaluation of entrepreneurship courses aligned with graduate profiles, offering valuable insights into the effectiveness of current educational practices and recommendations for future improvement.

Determinants of Islamic Banking Competitiveness in Indonesia, Malaysia, and Brunei Darussalam Nurma Sari; Lutpi Sahal; Zaki Zaini; Asmak Binti Ab Rahman
Jurnal Internasional Ekonomi Islam Vol 8 No 01 (2026): International Journal of Islamic Economics
Publisher : The Postgraduate of Institut Agama Islam Negeri Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijie.v8i01.13354

Objective: Financial ratios play a crucial role in measuring the performance and competitive position of Islamic banking institutions. Indicators such as profitability, operational efficiency, asset quality, and liquidity reflect the ability of banks to sustain growth and maintain a competitive edge. Accordingly, this study investigates the factors affecting the competitiveness of Islamic banks across Indonesia, Malaysia, and Brunei Darussalam. Method: This competitiveness is measured using Islamic bank assets as the dependent variable, and net profit, ROA, ROE, CAR, and CIR as the independent variables. A quantitative descriptive research approach using panel data regression was used to determine the effect of Islamic bank profitability on competitiveness in peer countries. Data were collected through secondary data from all Islamic banks in peer countries (Indonesia, Malaysia, and Brunei Darussalam) from 2022 to 2025. Result: The results indicate that net profit, ROE, and ROA significantly enhance the competitiveness of Islamic banks, while CIR and CAR show no significant effect. This finding highlights the critical role of profitability-related indicators in driving competitive performance. In contrast, operational efficiency and capital adequacy appear to have a more limited contribution within the observed banking systems. Implication: This study demonstrates that profitability-based measures are more effective drivers of competitiveness than capital adequacy and cost-efficiency indicators. The results offer practical insights for policymakers and banking practitioners seeking to strengthen the resilience and market position of Islamic banks in the region. Originality or Novelty: The novelty of this study lies in its use of Islamic bank assets as a measure of competitiveness and its comparative analysis across three countries with well-developed Islamic banking sectors—Indonesia, Malaysia, and Brunei Darussalam. By applying panel data regression to cross-country banking data, this study extends existing research beyond single-country investigations. It provides new evidence on the determinants of competitiveness in Islamic banking

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