Dewi Rahmawati
UIN Sunan Kalijaga Yogyakarta

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Conversion of Conventional Bank to Sharia Bank: Conversion Analysis of Academic Conversions: Cases in Province Nanggroe Aceh Darussalam and Lombok NTB Lukman Hakim; Dwi Novita; Dewi Rahmawati
Reslaj : Religion Education Social Laa Roiba Journal Vol 5 No 5 (2023): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1276.889 KB) | DOI: 10.47467/reslaj.v5i5.3710

Abstract

Bank is a business entity that collects funds from the public in the form of savings and distributes them to the public in the form of credit or other forms. In Indonesia, there are many banks both in the form of conventional and Islamic banks, the more rapid the development of digital banks, the significant changes are now also visible, one of which is that there are several areas such as in Nangroe Aceh Darussalam and Lombok West Nusa Tenggara (NTB) which convert from conventional banks to Islamic banks. Bank NTB Syari'ah is proven to be in 8th place and contributes 2% to the market share of Islamic banks. The total population of NTB in 2020 reached 5,320,092. The total population of Aceh in 2020 reached 5,274,871. The two provinces have approximately the same population, then the Islamic community is both very strong, the ecosystem supports, especially in NTB halal tourism is growing rapidly. The conversion system carried out is investigated for further discussion, How is Conventional Bank Conversion to Sharia Bank? How is the Analysis of Conversion of Contracts Against Conventional Banks to Sharia Banks?. This research is very useful to see how the conversion of Conventional Banks to Sharia Banks has been implemented, this research can be a reference and constructive input as well as a reference in the context of the implementation of Sharia Bank Conversion in Indonesia. The basis used by banks in transferring or converting existing non-syari'ah transaction products into sharia transactions is by referring to DSN Fatwa No. 31/DSN-MUI/IV/2002 concerning Debt Transfer. Keywords: Bank Conversion, Aceh, Lombok, Conventional Banks, Islamic Bank.
EKSISTENSI PEMBIAYAAN MULTIJASA DI BAITUL MAAL WATTAMWIL Dewi Rahmawati; Abdul Mujib
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.7664

Abstract

The development of products in Islamic financial institutions is increasingly widespread. In order to develop a product, Islamic financial institutions must be guided by sharia principles. One form of product development at BMT is multiservice financing. The implementation of this multiservice financing uses an ijarah contract. The emergence of this new product also raises new problems regarding compliance with contract provisions. This study uses a qualitative method, with a normative juridical approach. This type of research is literature study. The results of this study indicate that multiservice financing is a product that is needed by the community and is a reliable alternative for BMTs. However, its implementation is not in accordance with sharia principles