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All Journal Sahid Development Journal: Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah Sahid Banking Journal Sahid Business Journal: Jurnal Penelitian Manajemen Bisnis Syariah: Program Studi Manajemen Bisnis Syariah Sahid Empowerment Journal: Jurnal Pengabdian Kepada Masyarakat Manajemen Bisnis Syariah
Ria Kusumaningrum
Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Sahid Bogor
Religion Economics, Econometrics & Finance Education Social Sciences

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Journal : Sahid Banking Journal

 1 
PENEMPATAN PADA BANK LAIN/PLACEMENT IN OTHER BANKS DAN PENGARUHNYA PADA LABA BERSIH KEGIATAN USAHA BANK UMUM SYARIAH Ria Kusumaningrum; Riska Puspa; Ridho Dzatilah; Rizki; Decky Saepul Adha
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.64

Abstract

Placements with other banks are Investments with Other Sharia Banks both domestically and abroad in the form of, inter-bank Mudharabah investment certificates, mudharabah deposits, mudharabah savings, wadiah current accounts and wadiah savings intended for optimizing fund management. Placements with other banks are a component of earning assets with the aim of optimizing fund management. Therefore the bank must form an allowance to cover possible losses in the same currency. Based on the description above, what needs to be investigated is whether and how Placements in Other Banks are in terms of Current Accounts/Demand Deposits, Savings/Saving Deposits, Deposits/Time Deposits, Guarantee Deposits/Margin Deposits, Sukuk/Sukuk Settlement Funds Sinking Fund, and Others/Others, have a partial or simultaneous effect on Net Income? Then, what are the proposals for contracts regarding Placement in Other Banks in terms of Demand Deposits/Demand Deposits, Savings/Saving Deposits, Deposits/Time Deposits, Guarantee Deposits/Margin Deposits, Sukuk Settlement Fund/Sukuk Sinking Fund, and Others/Others, can increase a better effect on Net Profit? On the basis of this search, this research was conducted and the results were Placements in Other Banks in terms of Current Accounts/Demand Deposits, Savings/Saving Deposits, Deposits/Time Deposits, Guarantee Deposits/Margin Deposits, Sukuk Settlement Fund/Sukuk Sinking Fund , and Others/Others, have no partial effect on Net Income, but simultaneously have an effect on Net Income.
ANALISIS PREFERENSI NASABAH TERHADAP PRODUK PEMBIAYAAN MURABAHAH DAN MUDHARABAH DI BAITUL MAL WA TAMWIL (BMT) IKHLASUL UMMAH, KABUPATEN BOGOR Neneng Nurhasanah; Rully Trihantana; Ria Kusumaningrum
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.71

Abstract

Baitul Mal wa Tamwil or abbreviated as BMT is an Islamic financial institution based on the Al-Qur'an and Al-Hadith which refers to the principle of muamalah. One of the products that customers are most interested in is murabaha and mudharabah financing products. In deciding to choose and use a financing product, it is influenced by customer preferences through several factors such as psychological factors, personal factors, and social factors. The purpose of this study was to determine the factors that influence customer preferences for financing murabahah and mudharabah contracts at BMT Ikhlashul Ummah Bogor Regency, and to analyze customer preferences for financing murabahah and mudharabah contracts at BMT Ihklashul Ummah Bogor Regency. This research is a qualitative research that uses a descriptive analysis approach with an inductive mindset that takes specific statements and then draws general conclusions. Thus, it can be known the customer preferences in using murabahah and mudharabah contract financing at BMT Ikhlashul Ummah, Bogor Regency.
ANALISIS STRENGTHS WEAKNESSES OPPORTUNITIES THREATS (SWOT) POLA TANGGUNG RENTENG DI KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH (KSPPS) BAYTUL IKHTIAR CABANG LEUWISADENG Iman Afriansyah; Ria Kusumaningrum; Muhamad Rizal
SAHID BANKING JOURNAL Vol 2 No 01 (2022): Oktober 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56406/sahidbankingjournal.v2i01.74

Abstract

Sharia financing jointly and severally is one of the strategies of Islamic financial institutions in channeling third party funds. This study aims to analyze the effectiveness of sharia financing jointly and severally. Researchers used a SWOT analysis tool (Strengths, Weaknesses Opportunities, and Threats). The method in this research is qualitative research, observation, and interviews. The results of this study indicate that sharia financing jointly and severally implemented by the Baytul Ikhtiar Savings and Loans and Sharia Financing Cooperative (KSPPS) is very effective and good. This began with a fairly rigorous selection process for recruiting prospective members for joint responsibility financing, then intensive mentoring or monitoring was carried out by KSPPS Baytul Ikhtiar. There are fewer problem financing, and sharia financing jointly and severally can still be carried out at KSPPS Baytul Ikhtiar.
Co-Authors abdul kodir Afina Putri Nabilla Alda Herawati Decky Saepul Adha Fika Fitria Fitria Ningsih Fika Fitria Ningsih Iman Afriansyah Muhamad Rizal Muhamad Rizal Muhammad Yaya Supriadi Neneng Nurhasanah Rafiduddin Ridho Dzatilah Riska Puspa Rizki Rully Trihantana Setiawan Bima Prasetya Siska Oktavia Siti Maspupah Siti Neli Ismawati Sri Hartati Mulya Susi Melinasari Trihantana, Rully