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PERSPEKTIF FIKIH EKONOMI TERHADAP PELAKSANAAN AKAD “UTANG PIUTANG” PADA PERBANKAN SYARIAH DI SUMATERA BARAT ISKA, SYUKRI
JURIS (Jurnal Ilmiah Syariah) Vol 14, No 2 (2015)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

This study was purposed at identifying the various transactions in Islamic banking of West Sumatera were categorized on the “debts”; describing the implementation of the transaction; and analyzing the various transactions were based on the economic fiqh perspective. This study belongs to qualitative case study by using in-depth interviews as research instrument. The data were analyzed qualitatively based on the economic fiqh perspective, Al-Qur'an, Sunnah, Ijtihad the scholars, and the Fatwa of National Sharia Council (DSN) and Indonesian Council of Scholars (MUI). The results of this study revealed that the types of transactions were categorized “debts” was murabahah, qardh (bailout pilgrimage), hiwalah, and rahn (pawning gold). Murabahah was presented on all Islamic Bank but not all transactions on Islamic banking of West Sumatera based on the economic fiqh perspective such the calculation of the margin murabahah based on the amount of banks financing. Then the calculation of ujrah on the bailout pilgrimage was still based on the amount of bail. Furthermore, the calculation of ujrah on pawning gold was not based on the calculation of the treatment period but to the amount of “debt” funds. The conclusion was the implementation of the “debts” contract in Islamic banking of West Sumatera not run well as the economic fiqh perspective. Kata kunci: akad “utang piutang”, perpektif fikih ekonomi, perbankan syariah, Sumatera Barat

E-COMMERCE DALAM PERSPEKTIF FIKIH EKONOMI Iska, Syukri
JURIS (Jurnal Ilmiah Syariah) Vol 9, No 2 (2010)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Economic transactions through electronic commerce (e-commerce) contribute to the vast use of information technology as well as internet nowadays. Its phenomenal development makes Islamic law take part in responding from the perspectives of economic jurisprudence (fiqh). Basically, Islam accommodates any transactions carried out by human as long as there is no single rule that prohibits such transaction, including economic activities. Furthermore, e-commerce is about ijtihad which provide a wide range of opportunity to respond in terms of economic fiqh. Flexibility of acceptability in carrying out translations should wisely refer to the laws and conditions of commerce. Al-Buyu’ dan al-Salam are two forms of trading transactions in classical fiqh that can be served as the analogy for e-commerce, yet they must face the challenges dealing with payment using credit card which also attract perspectives fiqh of economy.

REVITALISASI DEWAN PENGAWAS SYARIAH (DPS) PADA LEMBAGA EKONOMI SYARIAH Iska, Syukri
JURIS (Jurnal Ilmiah Syariah) Vol 11, No 1 (2012)
Publisher : Faculty of Shariah of State Institute for Islamic Studies Batusangkar, Indonesia

Sharia Supervision Board (Dewan Pengawas Syariah) plays very strategic roles insharia economic institutions. Since its main roles will give influences, such as toguarantee the safety of ummah in one side due its appropriateness in taking anydecisions and economic practices which are always based Islamic laws, this board will keep the credibility of the institution. This is quite reasonable since ummah believe that those institutions have been run based on Islamic laws. Consequently, Sharia Supervision Board needs revitalizing to optimalize such strategic roles.

FINANCIAL SUSTAINABILITY INTHE ASSESSMENT OF THEFINANCIAL PERFORMANCE OF WEST SUMATRA SHARIA FINANCING BANK (BPRS) Nasfi, Nasfi; Iska, Syukri; Nofrivul, Nofrivul; Antoni, Antoni
MENARA EKONOMI Vol 5, No 1 (2019): Volume V No. 1 – April 2019
Publisher : Jurnal Menara Ekonomi : Pelatihan dan Kajian Ilmiah Bidang Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33559/me.v5i1.1272

The objective of research to examine the financial performance of the Bank Financing of Islamic People of West Sumatra. Data analysis techniques using the BPRS health assessment applicable in accordance with the decision of Bank Indonesia No. 9/17/PBI/2007 dated December 4, 2007, the financial aspects of the form CAR, FDR, NPF, ROA and BOPO. Results of the study found that the ratio of CAR, BPRS West Sumatera amounting to 14.27%, with "very healthy" assessment criteria, the ratio of FDR BPRS 75.67% of West Sumatra, with the assessment of "healthy" criteria, the ratio of NPF BPRS West Sumatra average 7.83%, the assessment "Quite Healthy" criteria, the ratio ROA BPRS West Sumatra an average of 1.34%, with "healthy" with the assessment criteria and the ratio of BOPO BPRS West Sumatera on average by 92.43%, with "very healthy" assessment criteria. The implications of this research to analyze the performance of the financial aspect of the BPRS can provide information about the circumstances and financial position of the company within a certain period in order to take a decision in the future moreover sharia financing bank should increase efficiency and lower the financing problem.Keywords: Financial performance, CAR, FDR, NPF, ROA and BOPO

FINANCIAL SUSTAINABILITY INTHE ASSESSMENT OF THEFINANCIAL PERFORMANCE OF WEST SUMATRA SHARIA FINANCING BANK (BPRS) Nasfi, Nasfi; Iska, Syukri; Nofrivul, Nofrivul; Antoni, Antoni
Jurnal Menara Ekonomi : Penelitian dan Kajian Ilmiah Bidang Ekonomi Vol 5, No 1 (2019): Volume V No. 1 April 2019
Publisher : Jurnal Menara Ekonomi : Pelatihan dan Kajian Ilmiah Bidang Ekonomi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31869/me.v5i1.1272

The objective of research to examine the financial performance of the Bank Financing of Islamic People of West Sumatra. Data analysis techniques using the BPRS health assessment applicable in accordance with the decision of Bank Indonesia No. 9/17/PBI/2007 dated December 4, 2007, the financial aspects of the form CAR, FDR, NPF, ROA and BOPO. Results of the study found that the ratio of CAR, BPRS West Sumatera amounting to 14.27%, with "very healthy" assessment criteria, the ratio of FDR BPRS 75.67% of West Sumatra, with the assessment of "healthy" criteria, the ratio of NPF BPRS West Sumatra average 7.83%, the assessment "Quite Healthy" criteria, the ratio ROA BPRS West Sumatra an average of 1.34%, with "healthy" with the assessment criteria and the ratio of BOPO BPRS West Sumatera on average by 92.43%, with "very healthy" assessment criteria. The implications of this research to analyze the performance of the financial aspect of the BPRS can provide information about the circumstances and financial position of the company within a certain period in order to take a decision in the future moreover sharia financing bank should increase efficiency and lower the financing problem.Keywords: Financial performance, CAR, FDR, NPF, ROA and BOPO

SISTEM EKONOMI SYARIâ€™AH DI SISI KELEMAHAN SISTEM EKONOMI SEKULER DI INDONESIA Iska, Syukri
El -Hekam Vol 4, No 2 (2019)
Publisher : State Institute for Islamic Studies Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/jeh.v4i2.2161

Secular economic system is failed and unable to overcome economic problems in Indonesia today. The presence of islamic ecomic system pioneered by the establishment of Islamic financial institutions is expected to be alternative solutions of the problems. Furthermore, this system is expected to bring better atmosphere and prospects as well. This is made possible since the principles of Islamic economic system meets the values of humanity, justice and partnership.

DILEMA SKIM MURÂBAHAH PADA PERBANKAN SYARIAH Syukri Iska
MIQOT: Jurnal Ilmu-ilmu Keislaman Vol 35, No 2 (2011)
Publisher : State Islamic University North Sumatra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/miqot.v35i2.147

Abstrak: Kesemarakan pertumbuhan perbankan syariah terutama di negara- negara Muslim pada beberapa dekade terakhir tidak dapat dipungkiri. Namun di balik pertumbuhan tersebut bank syariah sering dikritik hanya sekadar ganti “baju” dengan klaim bahwa bank ini mengambil beberapa konsep dari dari bank konvensional kemudian menggantikannya dengan idiom-idiom yang ada pada fiqih muâmalah. Tulisan ini memaparkan penjelasan terhadap pertanyaan tentang keberadaan bank syariah dengan merujuk pada skimmurâbahah, bagaimana perasaan dan perbedaan antara kedua sistem Islam dan konvensional, serta implikasi sistem perbankan Islam dalam transaksi ekonomi yang menyeluruh. Penulis berargumen bahwa kendati skimmurâbahah bukan merupakan instrumen ideal untuk mencapai tujuan riil ekonomi Islam, skimmurâbahah ini ternyata mengandung banyak persoalan, terutama kalau dilihat dalam perspektif syariah secara puristik ataupun menurut paradigma tentang bank.Abstract: The Dilemma of Murabahah Skim in Shari‘a Banks. The flourishing development of Shari‘a Banks especially in Islamic countries for the last few decades are undeniable. However, despite such tremendous development it has often been criticized for being only changing suit claiming that it has taken some conventional system concepts which are then modified in acoordance with idioms found in Islamic jurisprudence discourse. This paper then sheds some lights on some questions of the existence of Shari‘a Banks with specific reference to murâbahah skim, how the two system similar to or different from each other, as well as the implication of the Islamic banking system in the general economic transaction. The author argues that although the murâbahah skim is not an ideal instrument in achieving the real objective of Islamic economy, its domination as an important skim, however, seems to be in dilemmatic position between the pragmatic demands of the need of pure Shari‘a laws as a genuine reference and the role of banks should fulfil.Kata Kunci: perbankan syariah,murâbahah, ekonomi Islam

ANALISIS PENGARUH PIUTANG, KECUKUPAN MODAL DAN KAS TERHADAP PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH (BPRS) DI SUMATERA BARAT Syukri Iska; Fitriani Fitriani
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 1 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Penelitian ini bertujuan untuk menguji pengaruh piutang, kecukupan modal, dan kas terhadap profitabilitas pada BPRS Sumatera Barat. Jenis penelitian yang gunakan untuk mendapatkan data-data dari permasalahan yang diteliti adalah penelitian Expost Facto. Datanya berbentuk sekunder tahun 2011-2017, yang diperoleh melalui website OJK. Pengelolaan data dilakukan dengan pendekatan kuantitatif. Dari penelitian dapat disimpulkan bahwa secara parsial piutang dan kas tidak berpengaruh signifikan terhadap profitabilitas. Namun kecukupan modal berpengaruh signifikan terhadap profitabilitas. Secara simultan piutang, kecukupan modal dan kas berpengaruh signifikan terhadap profitabilitas. Untuk mencapai peningkatan profit BPRS harus mempunyai tingkat piutang, kecukupan modal dan kas yang bagus di mana masing-masing variabel diproksikan dengan rasio FDR, CAR, cash ratio.

PERSPEKTIF FIKIH EKONOMI TERHADAP PELAKSANAAN AKAD “UTANG PIUTANG” PADA PERBANKAN SYARIAH DI SUMATERA BARAT SYUKRI ISKA
JURIS (Jurnal Ilmiah Syariah) Vol 14, No 2 (2015)
Publisher : Institut Agama Islam Negeri Batusangkar

This study was purposed at identifying the various transactions in Islamic banking of West Sumatera were categorized on the “debts”; describing the implementation of the transaction; and analyzing the various transactions were based on the economic fiqh perspective. This study belongs to qualitative case study by using in-depth interviews as research instrument. The data were analyzed qualitatively based on the economic fiqh perspective, Al-Qur'an, Sunnah, Ijtihad the scholars, and the Fatwa of National Sharia Council (DSN) and Indonesian Council of Scholars (MUI). The results of this study revealed that the types of transactions were categorized “debts” was murabahah, qardh (bailout pilgrimage), hiwalah, and rahn (pawning gold). Murabahah was presented on all Islamic Bank but not all transactions on Islamic banking of West Sumatera based on the economic fiqh perspective such the calculation of the margin murabahah based on the amount of banks financing. Then the calculation of ujrah on the bailout pilgrimage was still based on the amount of bail. Furthermore, the calculation of ujrah on pawning gold was not based on the calculation of the treatment period but to the amount of “debt” funds. The conclusion was the implementation of the “debts” contract in Islamic banking of West Sumatera not run well as the economic fiqh perspective. Kata kunci: akad “utang piutang”, perpektif fikih ekonomi, perbankan syariah, Sumatera Barat

E-COMMERCE DALAM PERSPEKTIF FIKIH EKONOMI Syukri Iska
JURIS (Jurnal Ilmiah Syariah) Vol 9, No 2 (2010)
Publisher : Institut Agama Islam Negeri Batusangkar

Economic transactions through electronic commerce (e-commerce) contribute to the vast use of information technology as well as internet nowadays. Its phenomenal development makes Islamic law take part in responding from the perspectives of economic jurisprudence (fiqh). Basically, Islam accommodates any transactions carried out by human as long as there is no single rule that prohibits such transaction, including economic activities. Furthermore, e-commerce is about ijtihad which provide a wide range of opportunity to respond in terms of economic fiqh. Flexibility of acceptability in carrying out translations should wisely refer to the laws and conditions of commerce. Al-Buyu’ dan al-Salam are two forms of trading transactions in classical fiqh that can be served as the analogy for e-commerce, yet they must face the challenges dealing with payment using credit card which also attract perspectives fiqh of economy.

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