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All Journal Jurnal Ilmiah Ekonomi Islam Al-Risalah Jurnal Studi Agama dan Pemikiran Islam
Sholeh Wafie
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Humanities Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Social Sciences

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Pemanfaatan Informasi Dan Teknologi Dalam Implementasi Manajemen Pengendalian Risiko Likuiditas Di Bmt Ugt Nusantara Sholeh Wafie; Segaf Segaf
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9481

Abstract

Some of the common issues and constraints faced by sharia cooperatives today concern the management of risk management, including liquidity risk. This risk is prone to occur in many sharia cooperatives, the majority is due to the simplicity of the information and technology (IT) systems they have. As a result, a commotion arose from the members because they had lost trust because the Cooperative could not fulfill its obligations to members when withdrawing their deposits. This is due to weak liquidity, and a weak supervisory and control system from managers regarding liquidity needs and time deposits or general term savings that are due. In fact, this function can be replaced by an increase in the latest Information and Technology systems. The use of technology has a very significant role in controlling liquidity risk. This study analyzes the use of information and technology in managing liquidity risk control in the BMT UGT Nusantara Cooperative. The methodological approach used is descriptive qualitative analysis. The results of the study show that the improvement of information and technology systems has a very important role in anticipating the occurrence of liquidity weaknesses.
Examination of the Implementation of Gold Guarantee Financing from the Perspective of DSN-MUI Fatwa and Muamalah Fiqh Sholeh Wafie; Aunur Rofiq; Khusnudin Khusnudin; Moch Mahsun
Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam Vol 15 No 2 (2024): Al-Risalah : Jurnal Studi Agama dan Pemikiran Islam
Publisher : Fakultas Agama Islam, Universitas Islam As-Syafiiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/alrisalah.v15i2.4054

Abstract

The purpose of this study is to assess the appropriateness of the gold pawn financing contract with the DSN-MUI fatwa and fiqh muamalah at the BMT UGT Nusantara Legung Branch. Data is gathered by observation, interviews, and recording as part of the qualitative research methodology, which also incorporates a field and literature approach. The findings demonstrated that a legally qualified applicant, gold collateral, and ujrah determination in line with the nominal financing are all necessary for the BMT UGT Nusantara Legung Branch to carry out the financing contract. The contracts utilised are qard and rahn, and in the event of default, gold collateral is sold without going through an auction. This implementation is generally adequate when considering fiqh muamalah and the DSN-MUI fatwa; nonetheless, it is important to highlight three key differences: 1. According to fiqh muamalah, the finance agreement employs qard and rahn, but the DSN-MUI fatwa has an extra ijarah agreement. 2. According to fiqh muamalah, the agreement and the amount of finance determine the gold storage fee; nevertheless, the DSN-MUI fatwa restricts the fee to actual expenditures. 3. According to fiqh muamalah, the sale of gold collateral without an auction is acceptable; nevertheless, the DSN-MUI fatwa mandates an auction procedure in the event that the rahin is unable to repay the loan. This study demonstrates that, despite being permitted under muamalah fiqh, three practices used in the BMT UGT Nusantara Legung Branch's financing contract with gold collateral are not compliant with the DSN-MUI fatwa.
Co-Authors Aunur Rofiq Khusnudin Moch. Mahsun Segaf