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All Journal Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Yuliyanti M. Manan
Universitas Islam Raden Rahmat
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pendekatan Strategis Adaptif Berbasis SJSN (BPJS) Dalam Upaya Pengembangan Produk Pensiun Nasional Yuliyanti M. Manan
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 5 No 1 (2020): Dialektika : Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (550.188 KB) | DOI: 10.36636/dialektika.v5i1.412

Abstract

The Capital Market Industry and Non-Bank Financial Institutions (NBFIs) provide alternative means of investment and financial planning for the public. Funds collected in the capital market and the non-bank financial industry (IKNB) and the movement of funds through the financial markets, including capital markets and non-bank financial institutions, are the main keys to the movement of a country's economy. The ranking of penetration results from the World Bank in 6 Asian countries Indonesia ranks 6th, in order to increase penetration, an adaptive approach based on the National Social Security System (BPJS) is needed, in this case placing the role of the National Health Insurance as a center for developing a national pension program with the strategy of integrating the health benefits of Social Security Health Insurance. and pension services (BPJS-K & P). The purpose of this research is to analyze and study innovation solutions to the development and derivation platform of pension products based on the BPJS program. This study uses a descriptive analytical research design and an actuarial approach to research and develop BPJS-based pension services programs.
Analisis Mekanisme Pelunasan Pembiayaan Murabahah di Bank Syariah Indonesia KCP Malang Yuliyanti M. Manan; Siti Nurul Cholifah
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 8 No 2 (2023): Dialektika : Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v8i2.3278

Abstract

This research aims to determine the conformity of the Fatwa DSN MUI No. 23/DSN/MUI/III/2002 regarding early settlement deductions and Fatwa No:46/DSN-MUI/II/2005 regarding Murabahah Billing Deductions in the mechanism of Murabahah financing settlement at BSI KCP Malang. In the settlement of Murabahah financing, customers can make payments before the due date or accelerate the settlement, and it can also be done according to the agreed-upon period (due date). However, in its implementation, there is still some ambiguity in Bank Syariah when providing discounts on the remaining selling price of Murabahah in settlements. Therefore, an analysis is needed in the practice of the Murabahah financing settlement mechanism at BSI KCP Malang in accordance with the DSN MUI fatwa. The research method used is qualitative research with an empirical or field research approach. Data collection techniques were obtained from the research object through observation, interviews, and documentation. The results of the research indicate that the Murabahah financing settlement mechanism carried out by BSI KCP Malang is in accordance with Fatwa DSN-MUI No.23/DSN/MUI/III/2002 and Fatwa No:46/DSN-MUI/II/2005. This can be seen from BSI's policy in settlement, where they provide discounts to customers who make payments on time or before the due date, and these discounts are not promised in the beginning. If customers inquire about discounts during the financing or before making the settlement, BSI KCP Malang does not explain the discount. However, if customers wish to settle, BSI KCP Malang will explain the discount or deduction given during the settlement.
Co-Authors Siti Nurul Cholifah