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All Journal Journal of Student Development Informatics Management (JoSDIM) Balance : Jurnal Akuntansi dan Manajemen AKASYAH: Jurnal Akuntansi, Keuangan dan Audit Syariah
Juliati, Yenni Samri
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Journal : Journal of Student Development Informatics Management (JoSDIM)

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Kesesuaian Produk Sumut Mobile Dengan Prinsip Syariah (Studi Kasus Bank Sumut Syariah KCP Marelan Raya) Utami, Rizky Ananda; Juliati, Yenni Samri
Journal of Student Development Informatics Management (JoSDIM) Vol 4, No 1: JoSDIM | Januari 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v4i1.5357

Abstract

In the era of technological advancement, Islamic banking has adapted by introducing technology-based services, particularly through mobile banking. Bank Sumut Syariah, as an Islamic financial institution, also offers mobile banking services to enhance customer access and convenience in transactions. However, the importance of aligning mobile banking products with Sharia principles is a primary concern, given the foundation of Islamic banking on principles of justice, sustainability, and adherence to Islamic teachings. This research aims to identify and evaluate the profit-sharing mechanisms within Bank Sumut Syariah's mobile banking and analyze its impact on business sustainability and customer satisfaction. The research was conducted at Bank Sumut Syariah's Branch Office in Marelan Raya on November 1, 2023, utilizing a descriptive qualitative research method. Data collection methods involved observing Sumut Mobile products at Bank Sumut, particularly at Bank Sumut Syariah's Branch Office in Marelan Raya, and conducting interviews with a supervisor at the branch office. The findings revealed that Bank Sumut Syariah remains part of the conventional Bank Sumut, hence its Sumut Mobile product still operates within a conventional system. Currently, there is no separate Sharia-compliant product within Bank Sumut Syariah's mobile banking as it remains integrated with the conventional system. Nonetheless, it's crucial to ensure that every feature and transaction within Bank Sumut Syariah's mobile banking aligns with Sharia principles, encompassing cost structures, profit-sharing mechanisms, and other provisions to avoid conflicting with Sharia values. Business sustainability and customer satisfaction are key considerations in developing Sharia-compliant mobile banking products. Further studies on implementing Sharia products within Bank Sumut Syariah's mobile banking are essential to offer alternatives that align with Sharia values for customers. This research emphasizes the necessity of implementing Sharia-compliant mobile banking products to meet the demands of justice, sustainability, and compliance with Islamic teachings in modern Islamic banking activities.
Penerapan Denda Pada Pembiayaan Murabahah Pada Bank Sumut KCPSY Marelan Raya Jaya, Rama Indra; Juliati, Yenni Samri
Journal of Student Development Informatics Management (JoSDIM) Vol 4, No 1: JoSDIM | Januari 2024
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v4i1.5376

Abstract

This research explores the pivotal role of banks in managing public funds, emphasizing customers as the primary assets supporting bank growth. The evolution of banking, particularly the establishment of PT Bank Muamalat Indonesia (BMI) as a Shariah-compliant bank in 1992, was initiated by discussions regarding Islamic banking as a pillar of the Islamic economy, involving figures such as Karnaen A Perwataatmadja, M Dawam Rahardjo, AM Saefuddin, and M Amien Azis. The study identifies a phenomenon of customer delays in payments to Shariah-compliant banks providing financing through specific contracts, causing banks losses due to collection costs. In response, Shariah banking management deems it crucial to apply compensatory penalties for these expenses. This research focuses on the application of Shariah principles, especially concerning the imposition of fines in murabahah financing at Bank Sumut KCPSy Marelan Raya, aiming to comprehend the legal basis and practices of applying fines in this context. The research methodology entails a qualitative approach with descriptive analytical methods. Qualitative methods are used to understand the context and Shariah principles underlying murabahah financing, while descriptive analytical methods analyze and explain the imposition of fines in such financing at Bank Sumut KCPSy Marelan Raya. The study involves data collection through literature review, analysis of documents related to relevant Shariah principles, and interviews with stakeholders at Bank Sumut KCPSy Marelan Raya. The research findings encompass a profound understanding of the legal framework and Shariah principles governing murabahah financing, as well as a better comprehension of fine imposition in this context. Moreover, the results unveil practices and policies employed by Bank Sumut KCPSy Marelan Raya in handling cases of delayed payments for murabahah financing and the application of fines as a response to such actions.
Co-Authors Jaya, Rama Indra Laylan Syafina Lokot, Lokot al-Amin Ritonga Nosa Dinda Putri Utami, Rizky Ananda