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Strategi PT. BPR Balerong Bunta dalam Percepatan Konversi ke BPR Syariah Fitri Yenti; Yani Rahmadanti; Awaluddin Awaluddin
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8007

The research aims to find out the strategies carried out by PT BPR Balerong Bunta in the process of accelerating the conversion from conventional banks to Islamic banks. This type of research is field research with a qualitative descriptive approach. Data analysis techniques are carried out through data collection by interview, data reduction, data display and conclusion drawing. The results showed that the strategy carried out by PT. BPR Balerong Bunta in accelerating the conversion was to form a special team named the conversion team, conduct a comparative study, make a conversion business feasibility study, coordinate directly with prospective Sharia Supervisory Board and the board of commissioners, as well as conduct weekly meetings, complete the conversion requirements regulated by the Financial Services Authority, prepare core banking IT, conduct training and development of directors and employees

Strategi PT. BPR Balerong Bunta dalam Percepatan Konversi ke BPR Syariah Fitri Yenti; Yani Rahmadanti; Awaluddin Awaluddin
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 1 (2023): January - June 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i1.8007

The research aims to find out the strategies carried out by PT BPR Balerong Bunta in the process of accelerating the conversion from conventional banks to Islamic banks. This type of research is field research with a qualitative descriptive approach. Data analysis techniques are carried out through data collection by interview, data reduction, data display and conclusion drawing. The results showed that the strategy carried out by PT. BPR Balerong Bunta in accelerating the conversion was to form a special team named the conversion team, conduct a comparative study, make a conversion business feasibility study, coordinate directly with prospective Sharia Supervisory Board and the board of commissioners, as well as conduct weekly meetings, complete the conversion requirements regulated by the Financial Services Authority, prepare core banking IT, conduct training and development of directors and employees

Public Policy Design and Decentralized Zakat Governance from the ABS–SBK Adat Perspective in Minangkabau Jasri Waldi; Fatimah Setia Wardhani; Hospi Burda; Fitri Yenti
ZAWA: Management of Zakat and Waqf Journal Vol. 5 No. 2 (2025): December
Publisher : Institute of Research and Community Service Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/zawa.v5i2.16108

This study examines a zakat governance model that aligns with the socio-cultural context of Minangkabau by integrating ABS–SBK values, traditional nagari institutions, and the state’s administrative framework. Although Indonesia’s zakat system is centralized and emphasizes formal accountability, this approach often fails to accommodate the strong social capital and adat-based deliberative traditions that characterize Minangkabau society. Through a literature review and analysis of documented ethnographic studies, the research identifies key mismatches between formal zakat mechanisms and nagari-based practices, particularly in terms of social legitimacy, the accuracy of mustahik identification, and the administrative capacity of local institutions. The findings indicate that nagari institutions possess cultural legitimacy and deep community knowledge, yet require state support to strengthen administrative procedures and reporting systems. Synthesizing governance, decentralization, ABS–SBK, and social capital theories, this study proposes a hybrid zakat governance model that includes formal recognition of nagari roles, establishment of Nagari Zakat Offices, coordination through Regional Zakat Forums, adaptive accountability, and digital transparency tools. This model is expected to enhance the effectiveness, legitimacy, and sustainability of zakat governance in Minangkabau

The Transformation of Fiqh and the Implementation of Musyarakah Mutanaqisah as an Instrument of Just Islamic Financing in Indonesia Fitri Yenti; Syukri Iska; Hospi Burda; Kumaidi Kumaidi; Jasri Waldi
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 2 (2026): July - Desember 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i2.17183

This study examines the fiqh transformation of Musyarakah Mutanaqisah as a Sharia-based financing model in Indonesia by assessing the alignment between fiqh theory, the DSN–MUI fatwa, and banking practices. Although Musyarakah Mutanaqisah is conceptually grounded in partnership, gradual ownership, and risk sharing, its implementation across Islamic banks demonstrates a persistent tendency to resemble conventional credit structures, particularly through fixed rental margins, limited transparency, and weak risk-sharing mechanisms. This research employs a library-based qualitative approach using a normative–maqasidi framework combined with critical–empirical analysis. The findings indicate that the reconstruction of Musyarakah Mutanaqisah must be oriented towards the substantive realisation of Maqasid al-Shariah, particularly justice, public interest, and the protection of wealth. Reformulation is required in contractual structures, accounting systems, Sharia supervision, and the integration of sustainability values. Accordingly, Musyarakah Mutanaqisah holds the potential to evolve into a more equitable, transparent, and welfare-oriented Sharia financing instrument.

Genealogi Jaringan Intelektual Ekonomi Islam: Interkoneksi Ulama, Institusi, dan Transformasi Pemikiran Era Klasik hingga Kontemporer Kumaidi Kumaidi; Syukri Iska; Fauzani Fauzani; Jasri Waldi; Fitri Yenti
Al-Buhuts Vol. 22 No. 1 (2026): Al-Buhuts
Publisher : Institute Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30603/ab.v22i1.8090

This article is a conceptual paper based on historical-genealogical literature review that aims to build an intellectual genealogy model of Islamic economics. Previous studies have tended to address figures, institutions, or research trends separately (see e.g. single-figure studies, bibliometric studies, or historical studies of educational institutions), so there is no framework that brings these three elements together in a single analytical model. Based on a critical synthesis of 15 selected sources through the PRISMA protocol, this study offers a major contribution in the form of a triadic layered genealogy model that connects (1) the scholarly sanad of three influential classical scholars Al-Ghazali, Ibn Khaldun, and Ibn Taymiyah as a network that complements each other despite different emphasis (individual ethics, social dynamics, and state regulation); (2) Islamic educational institutions, from halaqah and madrassas to modern Islamic universities, as the node of transmission that most determines the sustainability of ideas across generations; and (3) adaptive transformation mechanisms through instruments such as waqf and shariah governance, which on the other hand are vulnerable to being distorted by neoliberal financialisation and epistemic hegemony, including halal-washing practices. Given that the scope of the study is limited to 15 selected literature, these findings are intended as an initial conceptual model, rather than a comprehensive generalization across eras and regions. This model is expected to be a foothold for the development of a curriculum based on intellectual genealogy and the strengthening of epistemological criticism of the commercialization of contemporary Islamic economics.

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