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All Journal Journal of Sharia Economics Disclosure: Journal of Accounting and Finance JIEPS: Jurnal Ilmiah Ekonomi Islam dan Perbankan Syariah Fakultas Agama Islam Universitas Muhammadiyah Aceh
Fithriady
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Economics, Econometrics & Finance Education Social Sciences

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Journal : Journal of Sharia Economics

 1 
EVALUATING NPF OF MURABAHA SETTLEMENT STRATEGY: PERSPECTIVE OF RISK MANAGEMENT AND DSN MUI'S FATWA Mulia, Rika; Said Rafli Ridha; Fithriady
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.3311

Abstract

Non-Performing Financing (NPF) is one of the indicators in evaluating bank performance. Financing products with murabaha contracts are one of the products that dominate the Islamic banking industry where the percentage of its NPF will also affect profits. This study examines the strategy implemented by one of the Bank Syariah Indonesia (BSI) Area Office in Aceh Province towards Murabaha NPF from two perspectives, risk management and Fatwa DSN-MUI using a descriptive approach. The results conclude that in handling NPF, banks begin with negotiation/mediation approach, then gradually rescheduling, restructuring, reconditioning, execution of collateral/auctions and litigation. Those steps are in accordance with risk management concept in terms of preventing NPF and consistent with Fatwa DSN-MUI in terms of NPF settlement. However, among the obstacles are bad character debtors so that the settlement process will take a long period of time and keep being suspended. This is certainly a significant viewpoint for banks that educating and socializing the management of financing must be explained from the beginning and ensure that debtors understand all related applicable bank regulations. Keywords: Murabaha Financing, Non-Performing Financing, Risk Management, Fatwa DSN-MUI, Islamic Banks
POTENSI PENGEMBANGAN ASURANSI SYARIAH USAHA TANI PADI DI ACEH BESAR (PENDEKATAN ANALISIS SWOT) Murni, Seri; Fithriady; Ulmiana, Fira
Journal of Sharia Economics Vol. 4 No. 2 (2023): Islamic Finance
Publisher : Program Studi Magister Ekonomi Syariah UIN Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jose.v4i2.3304

Abstract

Rice Farming Business Insurance (AUTP) is social insurance implemented by the government to provide benefits to its people, where this insurance can help rice farmers who experience losses due to attacks by plant organisms, outbreaks of infectious diseases, and other disturbances that cause crop failure for farmers. In general, the concept of Sharia AUTP can be carried out following the existing AUTP, but it needs to be adjusted to the basic principles of Sharia insurance. This study aims to identify and analyze the Strengths and Opportunities as well as the Weaknesses and Threats of the development of Rice Farming Business Insurance in Aceh Besar. The method used is descriptive qualitative analysis, with data collection techniques through interviews and documentation. The results of the study show that the development of sharia insurance for rice farming is in quadrant III which illustrates that sharia insurance for rice farming has a huge opportunity to develop in Aceh Besar, but on the other hand, it also experiences some internal weaknesses. The strategy that can be utilized in the development of sharia insurance for rice farming is the WO strategy, namely 1) Increasing the socialization of sharia insurance for rice farming to the public to increase farmers' interest in insurance, 2) The government needs to make special regulations governing sharia insurance for rice farming. Keywords: Sharia Insurance, Rice Farming Business Insurance, SWOT Analysis
Co-Authors Farma, Junia muharram, rahmi Mulia, Rika Rina Desiana Said Rafli Ridha Salsabila, Salsabila Seri Murni Ulmiana, Fira