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All Journal Al-Kharaj: Journal of Islamic Economic and Business JAKA (Jurnal Akuntansi, Keuangan dan Auditing) Jurnal Ilmiah Ekonomi dan Manajemen
Ahmad Firdaus Lingga
Universitas Islam Negeri Sumatera Utara
Economics, Econometrics & Finance Other

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Analisis Perbedaan Konsep Pinjaman Dari Imam As Syafi’i, Imam Hambali & Imam Al Ghazali Ahmad Firdaus Lingga; Hendra Hendra
JAKA (Jurnal Akuntansi, Keuangan, dan Auditing) Vol 3, No 2 (2022): JAKA (Jurnal Akuntansi, Keuangan, dan Auditing)
Publisher : Universitas Dian Nuswantoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56696/jaka.v3i2.8809

Abstract

This study aims to analyze the differences in the concept of borrowing from Imam Shafi'i, Imam Hambali and Imam al-Ghazali. This research is a descriptive research with a qualitative approach. The data collection method is in the form of literature study. The results of the study show that in Islam there is a concept of loan where in the Islamic world the concept of loan is also known as Qardh which is basically a loan from someone to another party with the aim of helping him. Based on the opinions of 4 mazhab, including the Shafi'i and Hambali mazhab, the concept of borrowing, also known as qardh, is permissible for a Muslim to do and forbids a Muslim from taking advantage of practices that are considered usury. Meanwhile, from Imam Al Ghazali's point of view, the concept of loan can be seen from the idea of qardh al-hasan, namely a loan transaction which in practice is the fulfillment of a moral obligation, especially as a Muslim, and no financial reward is claimed for it.
Analisis Strategi Pemasaran Pembiayaan KPS Syariah Bersubsidi Pada Bank Sumut Kantor Cabang Syariah Medan Ringroad Ahmad Firdaus Lingga; Khairina Tambunan
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 2 No. 2 (2024): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v2i2.952

Abstract

. Bank adalah lembaga keungan yang memainkan peran penting dalam ekonomi negara, selain menyediakan transaksi pembayaran dan menyediakan sumber daya yang diperlukan untuk membiayai pembangunan. Salah satu produk pembiayaan yang biasa digunakan dalam sistem perbankan syariah adalah KPR Syariah Bersubsidi, yang memberikan kredit kepemilikan rumah kepada individu berpenghasilan rendah. Penelitian kualitatif adalah jenis penelitian yang digunakan. Penelitian kualitatif adalah penelitian retrospektif yang menyelidiki kondisi alam dalam distribusi produk, tidak peduli strategi pemasaran apa yang digunakan.
Analysis of Micro Financing Product Development at BSI KCP Stabat Ahmad Firdaus Lingga; Sugianto; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9492

Abstract

This study aims to analyze first, BSI's microfinance products, second, the obstacles and challenges of marketing BSI's microfinance products, and third, the strategy and process of developing BSI microfinance products. The research method used is a qualitative descriptive approach with data collection through observation, interviews, documentation and surveys to customers and related parties of one of BSI's branch offices. The results of the study show that BSI's microfinance products, such as KUR Super Micro, KUR Micro, and non-KUR products, are designed according to sharia principles with an easy application process and supported by service digitization. This product has a significant positive impact on increasing capital, production capacity, income, and welfare of MSME actors. However, product development still faces obstacles such as low Islamic financial literacy, complex administrative requirements, high micro business risks, and limited access in remote areas. The market opportunity for sharia microfinance is very large considering the large MSME segment and the support of government regulations. Therefore, effective development strategies include product innovation, increasing financial literacy, using digital technology, strengthening partnerships, and improving human resource competence
Co-Authors Hendra Hendra Sugianto Tambunan, Khairina Tuti Anggraini