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All Journal Al-'Adalah BISNIS: Jurnal Bisnis dan Manajemen Islam JURNAL PENELITIAN JEM17: Jurnal Ekonomi Manajemen Iqtishoduna: Jurnal Ekonomi Islam Jurnal Papatung : Jurnal Ilmu Administrasi Publik, Pemerintahan dan Politik Scientia: Jurnal Hasil Penelitian Jurnal Penelitian Asy Syar'iyyah: Jurnal Ilmu Syari'ah dan Perbankan Islam
Rahmat Ilyas, Rahmat
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Religion Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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KONSEP PEMBIAYAAN DALAM PERBANKAN SYARI’AH Ilyas, Rahmat
JURNAL PENELITIAN Vol 9, No 1 (2015): JURNAL PENELITIAN
Publisher : JURNAL PENELITIAN

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

Abstract

THE FINANCING CONCEPT IN SHARIA BANKING. Defrayal or financing is funding provided by one party to another to support the planned investment, either by themselves or institution. In other words, the financing is funding incurred to support the planned investment. Financing terms in effect means that I believe, I trust. The word financing means (trust) that means financial institutions as s}a>h} ib al-ma>l put their trust in someone to carry out the given mandate. The fund should be used properly, fairly, and must be accompanied by a bond and the terms are clear and mutually beneficial for both parties. Each financial institution has syari’ah philosophy to seek the pleasure of  Allah. to obtain good in the world and the hereafter. Therefore, any activities of  financial institutions which feared deviate from the guidance of  religion should be avoided. In the implementation of  the financing, Islamic bank must fulfill two very important aspects, namely: (1) syar’i aspect, where in each realization of  financing to customers, the Islamic bank must be oriented to the Islamic Shariah; and (2) the economic aspect, which is still considering the gains, both for banks and for Shariah bank customers.Keywords:   Financing,   Islamic   Banking,   Islamic Financial Institutions Pembiayaan atau financing adalah pendanaan yang diberikan oleh suatu pihak kepada pihak lain untuk mendukung investasi yang telah direncanakan, baik dilakukan sendiri maupun lembaga. Dengan kata lain, pembiayaan adalah pendanaan yang dikeluarkan untuk mendukung investasi yang telah direncanakan. Istilah pembiayaan pada intinya berarti I believe, I trust, saya percaya, saya menaruh kepercayaan. Perkataan pembiayaan yang berarti (trust) berarti lembaga pembiayaan selaku sa}  h>  i} b al-mal>  menaruh kepercayaan kepada seseorang untuk melaksanakan amanah yang diberikan. Dana tersebut harus digunakan dengan benar, adil, dan harus disertai dengan ikatan dan syarat-syarat yang jelas dan saling menguntungkan bagi kedua belah pihak. Setiap lembaga keuangan syari’ah mempunyai falsafah mencari keridaan Allah swt. untuk memperoleh kebajikan di dunia dan akhirat. Oleh karena itu, setiap kegiatan lembaga keuangan yang dikhawatirkan menyimpang dari tuntunan agama harus dihindari. Dalam pelaksanaan pembiayaan, bank syari’ah harus memenuhi dua aspek yang sangat penting, yaitu: (1) aspek syar’i, di mana dalam setiap realisasi pembiayaan kepada para nasabah, bank syari’ah harus tetap perpedoman pada syari’at Islam; dan (2) aspek ekonomi, yakni tetap mempertimbangkan perolehan keuntungan, baik bagi bank syari’ah maupun bagi nasabah bank syari’ah.Kata kunci: Pembiayaan, perbankan syariah, lembaga keuangan syariah
KONSEP PEMBIAYAAN DALAM PERBANKAN SYARI’AH Ilyas, Rahmat
Jurnal Penelitian Vol 9, No 1 (2015): JURNAL PENELITIAN
Publisher : LP2M IAIN kUDUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jupe.v9i1.859

Abstract

THE FINANCING CONCEPT IN SHARIA BANKING. Defrayal or financing is funding provided by one party to another to support the planned investment, either by themselves or institution. In other words, the financing is funding incurred to support the planned investment. Financing terms in effect means that I believe, I trust. The word financing means (trust) that means financial institutions as s}a>h} ib al-ma>l put their trust in someone to carry out the given mandate. The fund should be used properly, fairly, and must be accompanied by a bond and the terms are clear and mutually beneficial for both parties. Each financial institution has syari’ah philosophy to seek the pleasure of  Allah. to obtain good in the world and the hereafter. Therefore, any activities of  financial institutions which feared deviate from the guidance of  religion should be avoided. In the implementation of  the financing, Islamic bank must fulfill two very important aspects, namely: (1) syar’i aspect, where in each realization of  financing to customers, the Islamic bank must be oriented to the Islamic Shariah; and (2) the economic aspect, which is still considering the gains, both for banks and for Shariah bank customers.Keywords:   Financing,   Islamic   Banking,   Islamic Financial Institutions Pembiayaan atau financing adalah pendanaan yang diberikan oleh suatu pihak kepada pihak lain untuk mendukung investasi yang telah direncanakan, baik dilakukan sendiri maupun lembaga. Dengan kata lain, pembiayaan adalah pendanaan yang dikeluarkan untuk mendukung investasi yang telah direncanakan. Istilah pembiayaan pada intinya berarti I believe, I trust, saya percaya, saya menaruh kepercayaan. Perkataan pembiayaan yang berarti (trust) berarti lembaga pembiayaan selaku sa}  h>  i} b al-mal>  menaruh kepercayaan kepada seseorang untuk melaksanakan amanah yang diberikan. Dana tersebut harus digunakan dengan benar, adil, dan harus disertai dengan ikatan dan syarat-syarat yang jelas dan saling menguntungkan bagi kedua belah pihak. Setiap lembaga keuangan syari’ah mempunyai falsafah mencari keridaan Allah swt. untuk memperoleh kebajikan di dunia dan akhirat. Oleh karena itu, setiap kegiatan lembaga keuangan yang dikhawatirkan menyimpang dari tuntunan agama harus dihindari. Dalam pelaksanaan pembiayaan, bank syari’ah harus memenuhi dua aspek yang sangat penting, yaitu: (1) aspek syar’i, di mana dalam setiap realisasi pembiayaan kepada para nasabah, bank syari’ah harus tetap perpedoman pada syari’at Islam; dan (2) aspek ekonomi, yakni tetap mempertimbangkan perolehan keuntungan, baik bagi bank syari’ah maupun bagi nasabah bank syari’ah.Kata kunci: Pembiayaan, perbankan syariah, lembaga keuangan syariah
KONTRAK PEMBIAYAAN MURABAHAH DAN MUSAWAMAH Ilyas, Rahmat
BISNIS Vol 3, No 2 (2015): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v3i2.1496

Abstract

Islamic  bank  is  a  financial  intermediary  (Intermediary  Financial Institution) whose operations are free from elements that are forbidden by Islam, namely gambling, Gharar, Riba, Ryswah, and falsehood.Thus different from conventional banks whose. operations using the principles of interest by most scholars say the same as usury. The element that distinguishes Islamic bank with a conventional bank is the necessity of Shariah Supervisory Board (DPS) under the auspices of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). Shariah Supervisory Board (DPS) is to monitor the operation of the bank and the products it releases in order to remain in accordance with the provisions of Shari’ah. Murabaha is a contract of sale of goods by the price of the goods plus an agreed profit margin. Based on the bank’s sale and purchase agreement to buy the goods ordered by and sold to customers. Bank selling price is the purchase price of the supplier plus an agreed profit.
Manajemen Permodalan Bank Syariah Ilyas, Rahmat
BISNIS Vol 5, No 2 (2017): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v5i2.3017

Abstract

Bank Syariah is a syariah financial institution that is oriented to profit (Profit). Profit is not only for the benefit of the owner or the founder, but also very important for the development of sharia bank business. Bank as a financial institution which one of its functions is to collect public funds, must have a source to raise funds before the channel back to the community. As an intermediary institution, the first capital of a financial institution is trust, namely the trust of the parties it connects. In other words, the first capital of a financial institution is the credibility of which the customers or the public at large. While the second capital of a financial institution is professionalism, namely professionalism in managing money or deposit funds mandated to him.
KONSEP UANG DALAM PERSPEKTIF EKONOMI ISLAM Ilyas, Rahmat
BISNIS Vol 4, No 1 (2016): BiSNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v4i1.1695

Abstract

Money is usability standards contained in the goods and labor.Money is defined as anything that is used to measure the typeof goods and labor. Suppose the price is standra for goods,while the wage is the standard for humans, each of which is anestimate of the value of goods and the power of people.Estimated values of goods and services wherever the land isrepresented by units, the units which is the standard used tomeasure the usefulness of goods and labor that became amedium of exchange (medium of exchange) and is called theunit of money In the Islamic concept, money is a flow concept.Islam does not recognize the motives need money because theydo not allow for speculation. Money is a good public,community property. Therefore, hoarding money is leftunproductive mean reducing the money supply.
Analisis Risiko Pembiayaan Bank Syariah Ilyas, Rahmat
BISNIS Vol 7, No 2 (2019): Bisnis: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v7i2.6019

Abstract

Financing or financing is funding provided by one party to another party to support the planned investment, whether done alone or in an institution. Risk in the banking context is a potential event, both predictable and unpredictable that has a negative impact on bank income and capital. The main reason for the occurrence of credit risk is that banks are too easy to lend or invest because they are too required to take advantage of excess liquidity, so that credit assessments are less careful in anticipating various possible business risks that they finance. Risk management is needed to identify, measure and control various types of risk, because it becomes a very basic tool to support the sustainability of the bank's business. The type of risk management that is closely related to the role of DPS is reputation risk, which in turn has an impact on displaced commercial risk, such as liquidity risk and other risks. The function and role of DPS in Islamic banks has strong relevance to the risk management of Islamic banking, namely reputation risk, which in turn impacts other risks such as liquidity risk.
KONSEP PEMBIAYAAN DALAM PERBANKAN SYARI’AH Ilyas, Rahmat
Jurnal Penelitian Vol 9, No 1 (2015): JURNAL PENELITIAN
Publisher : LP2M IAIN kUDUS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/jupe.v9i1.859

Abstract

THE FINANCING CONCEPT IN SHARIA BANKING. Defrayal or financing is funding provided by one party to another to support the planned investment, either by themselves or institution. In other words, the financing is funding incurred to support the planned investment. Financing terms in effect means that I believe, I trust. The word financing means (trust) that means financial institutions as s}a>h} ib al-ma>l put their trust in someone to carry out the given mandate. The fund should be used properly, fairly, and must be accompanied by a bond and the terms are clear and mutually beneficial for both parties. Each financial institution has syari’ah philosophy to seek the pleasure of  Allah. to obtain good in the world and the hereafter. Therefore, any activities of  financial institutions which feared deviate from the guidance of  religion should be avoided. In the implementation of  the financing, Islamic bank must fulfill two very important aspects, namely: (1) syar’i aspect, where in each realization of  financing to customers, the Islamic bank must be oriented to the Islamic Shariah; and (2) the economic aspect, which is still considering the gains, both for banks and for Shariah bank customers.Keywords:   Financing,   Islamic   Banking,   Islamic Financial Institutions Pembiayaan atau financing adalah pendanaan yang diberikan oleh suatu pihak kepada pihak lain untuk mendukung investasi yang telah direncanakan, baik dilakukan sendiri maupun lembaga. Dengan kata lain, pembiayaan adalah pendanaan yang dikeluarkan untuk mendukung investasi yang telah direncanakan. Istilah pembiayaan pada intinya berarti I believe, I trust, saya percaya, saya menaruh kepercayaan. Perkataan pembiayaan yang berarti (trust) berarti lembaga pembiayaan selaku sa}  h>  i} b al-mal>  menaruh kepercayaan kepada seseorang untuk melaksanakan amanah yang diberikan. Dana tersebut harus digunakan dengan benar, adil, dan harus disertai dengan ikatan dan syarat-syarat yang jelas dan saling menguntungkan bagi kedua belah pihak. Setiap lembaga keuangan syari’ah mempunyai falsafah mencari keridaan Allah swt. untuk memperoleh kebajikan di dunia dan akhirat. Oleh karena itu, setiap kegiatan lembaga keuangan yang dikhawatirkan menyimpang dari tuntunan agama harus dihindari. Dalam pelaksanaan pembiayaan, bank syari’ah harus memenuhi dua aspek yang sangat penting, yaitu: (1) aspek syar’i, di mana dalam setiap realisasi pembiayaan kepada para nasabah, bank syari’ah harus tetap perpedoman pada syari’at Islam; dan (2) aspek ekonomi, yakni tetap mempertimbangkan perolehan keuntungan, baik bagi bank syari’ah maupun bagi nasabah bank syari’ah.Kata kunci: Pembiayaan, perbankan syariah, lembaga keuangan syariah
Konsep Dasar Dalam Sistem Keuangan Syariah Ilyas, Rahmat
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 2 No 1 (2017): Asy-Syar'iyyah Juni 2017
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v2i1.594

Abstract

Dinul Islam is a comprehensive living system that Allah swt down through His Apostle. Which includes aqidah, ubudiah, mu'amalah, mu'asyarah and morals that guide people so life is full of glory. Comprehensive concept means comprehensive rules that encompass various aspects of life, whether of dimension of belief (aqidah), ritual of self-servant (ubudiah), and social aspect ie mu'amalah, mu'asyarah and morals. In everyday life, economy is the wheel of life as a container to meet the material needs of human beings, both in individual life, and social. Islam leads its people to embrace and practice Islamic teachings in a kaffah (comprehensive / comprehensive) in all aspects of life.
Kerangka Dasar Penyusunan dan Penyajian Laporan Keuangan Syariah Ilyas, Rahmat
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 1 No 1 (2016): Asy-Syar'iyyah Juni 2016
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v1i1.603

Abstract

Islamic transactions based on the basic paradigm that the universe was created by God as amanah (trust Divine) and means the joy of life for all mankind to prosper materially and spiritually intrinsic (Al-falah). The basic paradigm emphasizes every human activity has accountability and divine values that put the sharia and morals as parameters of good and bad, right and wrong with the business activity. Financial reporting is the structure and process of accounting that describes how the financial information provided and reported to achieve the goal of economic and social state
Analisis Kelayakan Pembiayaan Bank Syariah Ilyas, Rahmat
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 4 No 2 (2019): Asy-Syar'iyyah Desember 2019
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v4i2.999

Abstract

Sharia banks are banks that operate by not relying on interest. Islamic banks or commonly referred to as a bank without interest, is a financial institution / banking operational and its products are developed based on al-Qur'an and hadith. Financing is one of the principal tasks of banks, namely the provision of facilities to provide funds to meet the needs of the parties which is the unit deficit. The main purpose of the financing analysis is to gain confidence whether the customer has the willingness and ability to fulfill his obligations in an orderly manner, both principal and profit sharing in accordance with the agreement with the bank.
Co-Authors Amaliani, Shofi Nur Bayu Tri Cahya Bin Kamsani, Fazlur Rahman Hartono, Rudi Iskandar Iskandar Muhamad Edy Waluyo, Muhamad Edy Nurjati, Fawzia Zakisa Salsabila, Sekar Rani Sobari, Alwan Suhendra, Darmiko