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All Journal Jesya (Jurnal Ekonomi dan Ekonomi Syariah)
Riduan Mas’ud
Universitas Negeri Islam Mataram
Decision Sciences, Operations Research & Management

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ANALISIS SHARIA COMPLIANCE DALAM PRAKTIK PEMBIAYAAN MUSYARAKAH KONSTRUKSI DEVELOPER DI BANK NTB SYARIAH Sarkasi Hadi Sugandi; Riduan Mas’ud; Sanurdi Sanurdi; Herawati Khotmi
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 6 No 2 (2023): Article Research Volume 6 Number 2, Juni 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v6i2.1205

Abstract

Tujuan dari penelitian ini adalah ingin mengetahui apakah praktik pembiayaan musyarakah konstruksi developer di Bank NTB Syariah sudah melaksanakan kepatuhan syariah dan sesuai dengan sharia compliance. Analisis data, dilakukan terhadap beberapa indikator sharia compliance yang diperkenalkan Othman & Owen, sebagai indikator untuk menguji apakah praktik pembiayaan Musyarakah sudah sesuai dengan prosedur dan mekanismenya di Bank NTB Syariah. Data primer diperoleh melalui hasil interview dengan pejabat bank yang terdiri dari DGM Pembiayaan, bisnis manager, analis dan terlebih dewan pengawas syariah. Sedangkan untuk data sekunder akan dilengkapi dengan data-data pendukung, literatur kepustakaan, jurnal, komplasi hukum Islam, fatwa DSN – MUI, peraturan OJK – BI, dll nya. Adapun pendekatan tesis ini menggunakan kualitatif deskriptif. Hasil dari penelitian ini menemukan, bahwa praktik pembiayaan musyarakah konstruksi developer belum komprehensif dijalankan oleh Bank NTB Syariah. Hal tersebut dikuatkan dengan tidak adanya pengakuan/deklarasi dari mitra (Developer) maupun dari pihak bank. Ketiadaan deklarasi tersebut menunjukkan bahwa keuntungan didasarkan pada besaran jumlah plafond pembiayaan bukan berdasarkan hasil kegiatan developer konstruksi dalam aktivitas/kegiatannya secara real
Implikasi Pemahaman pengguna Software OLIBS 724 bagi pegawai Bank NTB Syariah terhadap loyalitas nasabah I Putu Kariasa; Riduan Mas’ud; Muhamad Yusup
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 6 No 2 (2023): Article Research Volume 6 Number 2, Juni 2023
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v6i2.1232

Abstract

This study aims to identify the understanding of OLIBS (Online Integrated Banking System) 724 Core banking Software users and its implications for customer loyalty of NTB Syariah banks. The research method used in this study is qualitative research, namely in-depth data processing with data from observations, interviews, and literature. Direct interviews were conducted with key informants such as officials and technical employees of the Information System Technology division of Bank NTB Syariah, front liner administrative employees of Bank NTB Syariah, and customers of Bank NTB Syariah. The result of this study is that human resources are the main asset and play an essential role for NTB syariah banks, and need to constantly be improved in skills and performance. Bank NTB Syariah needs to place training on the use of OLIBS 724 software as essential in improving the knowledge and performance of its employees (both old and new employees) so that employees can adjust to any conditions. Quality of service must start with customer needs and end with customer satisfaction. Satisfied customers get value from Islamic bank products, the value of fairness for profit sharing as expected, the value of service quality, and the value of the system or something religious emotion, which is to avoid usury. The results of this study show that employee understanding of OLIBS 724 software users positively influences customer satisfaction. The more employees understand the use of OLIBS 724 software, the more customers will be served well and quickly, which in turn will increase customer satisfaction and loyalty
Co-Authors I Putu Kariasa Khotmi, Herawati Muhamad Yusup Sanurdi Sanurdi Sarkasi Hadi Sugandi