Garuda - Garba Rujukan Digital

MANAJEMEN STRATEGIS DIGITALISASI BANK: BPRS PEMERINTAH DAERAH DI INDONESIA Syaifuddin, Syaifuddin; Sanmas, Abu; Turmudi, Asep Hedi
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol. 8 No. 2 (2023): Jurnal Asy Syar'iyyah Desember 2023
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v8i2.3593

This study aims to describe and map the strategic management of BPRS belonging to the regional government in North Maluku Province in entering the banking industry era 4.0. Documenting and analyzing the achievements of micro Islamic banks in North Maluku Province entering the digitalization of Islamic banking. This research succeeded in identifying the resources based view and the challenges opportunities of each BPRS. By using strategic management analysis and SWOT (Strength, Weaknessen, Opportunity, and Threat) analysis, the government-owned BPRS is ready to enter the era of digital banking. The two regional government-owned sharia banks have representative facilities, ATMs, digital payment systems, mobile payment applications, competent human resources, extensive service networks on several islands, development of information technology facilities and human resources that are continuously upgraded. Penelitian ini bertujuan untuk mengidentifikasi kemampuan BPRS pemerintah daerah di seluruh Indonesia menghadapi peluang dan tantangan era industri bank 4.0. Mengidentifikasi bank syariah milik pemerintah daerah yang memberikan pembiayaan keuangan mikro. Mengklasifikasikan 22 BPRS yang dimiliki oleh pemerintah kabupaten dan kota dari 167 BPRS yang ada di seluruh wilayah Indonesia. Melakukan analisis mendalam terhadap dua bank sebagai sampel untuk melakukan analisis yang mendalam. Penelitian ini berhasil mengidentifikasi resources based view dan peluang tantangan dari masing masing BPRS. Dengan menggunakan analisis manajemen strategis dan analisis SWOT (Strenght, Weaknessen, Opurtunity, and Threat) menghasilkan kesimpulan BPRS milik pemerintah siap memasuki era bank digital. Kedua bank syariah milik pemerintah daerah mempunyai fasilitas yang representative, ATM, sistem pembayaran digital, aplikasi pembayaran mobile, sumberdaya manusia yang kompeten, jaringan layanan yang luas di beberapa pulau, pengembangan fasilitas teknologi informasi dan sumberdaya manusia yang terus diupgrade.

Mitigation Strategy of Islamic Financing Risk: A Case of Bank Jatim Syariah Syaifuddin, Syaifuddin; Sanmas, Abu; Hedi Turmudi, Asep
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20580

This study examines the financing risk management practices of Bank Jatim Syariah, a prominent provincial-owned Islamic bank in Indonesia with total assets of IDR400 trillion, in response to the rising trend of Non-Performing Financing (NPF) in Islamic banking over the past decade. The research focuses on Bank Jatim Syariah due to its extensive service area, large customer base, and substantial financing portfolio. Employing a qualitative methodology, data was collected through interviews with the bank's financing committee and management, coupled with an analysis of pre-pandemic financing documents. The findings reveal that Bank Jatim Syariah has successfully implemented a robust NPF mitigation mechanism, including debt restructuring, debt scheduling, and both litigious and non-litigious dispute resolution strategies. These measures have effectively reduced NPF levels below 2.35%, minimized bank losses, and ensured the bank's continued ability to serve its 40 million customers in East Java. The study highlights the importance of proactive risk management strategies in maintaining the stability and growth of Islamic banking institutions.======================================================================================================== ABSTRAK – Strategi Mitigasi Risiko Pembiayaan pada Bank Jatim Syariah. Penelitian ini mengkaji praktik manajemen risiko pembiayaan Bank Jatim Syariah, salah satu bank syariah terbesar milik pemerintah daerah di Indonesia dengan total aset Rp.400 triliun. Hal ini sebagai respons terhadap tren peningkatan Non-Performing Financing (NPF) di perbankan syariah selama satu dekade terakhir. Penelitian ini difokuskan pada Bank Jatim Syariah karena wilayah layanannya yang luas, basis nasabah yang besar, dan portofolio pembiayaan yang substansial. Dengan menggunakan metode kualitatif, data dikumpulkan melalui wawancara dengan komite pembiayaan dan manajemen bank, serta analisis dokumen pembiayaan pra-pandemi. Temuan penelitian mengungkapkan bahwa Bank Jatim Syariah telah berhasil menerapkan mekanisme mitigasi NPF yang kuat, meliputi restrukturisasi utang, penjadwalan ulang utang, serta strategi penyelesaian sengketa, baik secara litigasi maupun non-litigasi. Langkah-langkah ini secara efektif telah mengurangi tingkat NPF di bawah 2,35%, meminimalkan kerugian bank, dan memastikan kemampuan bank untuk terus melayani 40 juta nasabahnya di Jawa Timur. Studi ini menekankan pentingnya strategi manajemen risiko proaktif dalam menjaga stabilitas dan pertumbuhan lembaga perbankan syariah.

PRAKTIK POLIGAMI TANPA IZIN DI BACAN TIMUR HALMAHERA SELATAN Coronas, Ahmad Abdullah; Sanmas, Abu; Umasugi, Nirwan; Harwis, Harwis; Abubakar, Fatum
Indonesian Journal of Shariah and Justice Vol. 3 No. 1 (2023)
Publisher : Program Studi Hukum Keluarga dan Hukum Ekonomi Syariah, Program Pascasarjana Institut Agama Islam Negeri (IAIN) Ternate

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46339/ijsj.v3i1.48

The practice of polygamy without a permit in the East Bacan District, South Halmahera Regency. This study aims to find the main issues that underlie the occurrence of the practice of polygamy without a permit in the East Bacan District, South Halmahera Regency. This study is field research. The research method used is descriptive qualitative research, namely a type of research that provides a systematic and factual description of situations and events regarding factors, characteristics and relationships between phenomena, with theoretical, normative and empirical juridical approaches. This study concluded that the implementation of polygamy without a permit in East Bacan District was carried out through cases of premarital pregnancy and coupled with low public awareness regarding the importance of marriage procedures. The limited budget and human resources owned by the East Bacan District KUA in conducting outreach to the people of East Bacan District have triggered the lack of attention from the Office of the Religious Affairs Office of Bacan District to minimize the incidence of polygamy without a permit in East Bacan District. The implementation of polygamy without a permit in East Bacan District had legal impacts, including the weak legal status of marriage, the absence of birth certificates for children born in polygamous marriages without permission.

TINJAUAN HUKUM PERKAWINAN ISLAM TERHADAP PERKAWINAN KAFAAH SAYYID-SYARIFAH PADA KOMUNITAS ARAB TERNATE Ismail, Nining Zahara; Abubakar, Fatum; Sanmas, Abu; Fadhly, Muhammad; Killian, Nursinita
Al Hakam : The Indonesian Journal of Islamic Family Law and Gender Issues Vol 4 No 2 (2024): Al Hakam
Publisher : Study Program of Islamic Family Law, Syari'ah Faculty, University of Al-Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/alhakam.v4i2.843

This research aims to find out what the kafa'ah concept of sayyid-syarifah marriage is and analyze this concept using Islamic Marriage Law. This research is a type of qualitative research. By using data collection techniques through observation, interviews and documentation. The data analysis techniques used are data reduction, data presentation and data verification. The results of the research show that the concept of kafa'ah applied by sayyid-syarifah in Ternate City is the concept of kafa'ah nasab. The goal is to ensure that their lineage is not interrupted. To achieve the concept of kafa'ah nasab, sayyid-syarifah carry out endogamous marriages, namely marriages carried out with members of the same group to achieve certain goals. Endogamous marriage is permitted in Islam, as long as it is not included in mawani' al-nikah. The conclusion obtained is that the sayyid-syarifah in Ternate City are strongly encouraged to maintain and carry out mutual marriages, especially the syarifah. Because they have a big responsibility for maintaining their lineage, if they marry someone who is not a sayyid then that lineage will be broken.

Mitigation Strategy of Islamic Financing Risk: A Case of Bank Jatim Syariah Syaifuddin, Syaifuddin; Sanmas, Abu; Hedi Turmudi, Asep
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20580

This study examines the financing risk management practices of Bank Jatim Syariah, a prominent provincial-owned Islamic bank in Indonesia with total assets of IDR400 trillion, in response to the rising trend of Non-Performing Financing (NPF) in Islamic banking over the past decade. The research focuses on Bank Jatim Syariah due to its extensive service area, large customer base, and substantial financing portfolio. Employing a qualitative methodology, data was collected through interviews with the bank's financing committee and management, coupled with an analysis of pre-pandemic financing documents. The findings reveal that Bank Jatim Syariah has successfully implemented a robust NPF mitigation mechanism, including debt restructuring, debt scheduling, and both litigious and non-litigious dispute resolution strategies. These measures have effectively reduced NPF levels below 2.35%, minimized bank losses, and ensured the bank's continued ability to serve its 40 million customers in East Java. The study highlights the importance of proactive risk management strategies in maintaining the stability and growth of Islamic banking institutions.======================================================================================================== ABSTRAK – Strategi Mitigasi Risiko Pembiayaan pada Bank Jatim Syariah. Penelitian ini mengkaji praktik manajemen risiko pembiayaan Bank Jatim Syariah, salah satu bank syariah terbesar milik pemerintah daerah di Indonesia dengan total aset Rp.400 triliun. Hal ini sebagai respons terhadap tren peningkatan Non-Performing Financing (NPF) di perbankan syariah selama satu dekade terakhir. Penelitian ini difokuskan pada Bank Jatim Syariah karena wilayah layanannya yang luas, basis nasabah yang besar, dan portofolio pembiayaan yang substansial. Dengan menggunakan metode kualitatif, data dikumpulkan melalui wawancara dengan komite pembiayaan dan manajemen bank, serta analisis dokumen pembiayaan pra-pandemi. Temuan penelitian mengungkapkan bahwa Bank Jatim Syariah telah berhasil menerapkan mekanisme mitigasi NPF yang kuat, meliputi restrukturisasi utang, penjadwalan ulang utang, serta strategi penyelesaian sengketa, baik secara litigasi maupun non-litigasi. Langkah-langkah ini secara efektif telah mengurangi tingkat NPF di bawah 2,35%, meminimalkan kerugian bank, dan memastikan kemampuan bank untuk terus melayani 40 juta nasabahnya di Jawa Timur. Studi ini menekankan pentingnya strategi manajemen risiko proaktif dalam menjaga stabilitas dan pertumbuhan lembaga perbankan syariah.

ADAT BOKA: ANALYSIS OF SOCIAL STRATIFICATION FROM THE PERSPECTIVE OF ISLAMIC LAW (CASE STUDY IN SANDI VILLAGE, BUTON WAKATOBI REGENCY) Mariafu, Mariafu; Sanmas, Abu; Tohe, Ansar
istinbath Vol. 24 No. 2 (2025): December
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v24i2.1055

Boka is a form of dowry with a fixed amount determined by the social stratification of women within the customary system. Sandi Village, located in Buton Wakatobi Regency, Southeast Sulawesi Province, is among the communities that still preserve the Boka tradition. This study aims to explore the practice of Boka in marriage ceremonies in Sandi Village and to analyze its compatibility with Islamic law, particularly through the lens of the maslahah (public interest) theory. The main objective is to examine how the Boka tradition is implemented, including the establishment of dowry values based on women's social hierarchy, and to assess whether this tradition aligns with Islamic principles that emphasize social harmony and justice. This research employs a qualitative approach, with fieldwork conducted in Sandi Village, Buton Wakatobi Regency. The analysis is descriptive and qualitative. The findings reveal the dynamic practice of Boka in the community's marriage rituals, showing a significant relationship between the amount of the dowry (Boka) and the traditional social stratification of women (Kaomu, Walaka, Papara). The Boka value is fixed and non-negotiable, intended to maintain women's social status in Butonese society.

OPTIMALISASI FUNGSI WAKIL PRESIDEN DALAM STRUKTUR PEMERINTAHAN: KAJIAN KOMPARATIF KONSTITUSI INDONESIA DAN AMERIKA SERIKAT Sulastri, Dewi; Sanmas, Abu; Kholik, Muhamad Abdul
AL-MUTSLA Vol. 7 No. 2 (2025): Jurnal Al Mutsla
Publisher : STAIN MAJENE

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/jstain.v7i2.2059

Kedudukan wakil presiden dalam sistem pemerintahan presidensial selama ini masih mengalami ambiguitas, terutama di Indonesia. Meski diakui sebagai pembantu presiden dalam konstitusi, scope pekerjaan dan wewenang wakil presiden tidak dijabarkan secara konkret. Fenomena ini berbeda dengan Amerika Serikat di mana posisi wakil presiden memiliki peranan yang lebih terstruktur melalui konstitusi yang lebih detail. Penelitian ini bertujuan untuk menganalisis optimalisasi fungsi wakil presiden melalui kajian komparatif antara sistem pemerintahan Indonesia dan Amerika Serikat. Metode penelitian menggunakan pendekatan kualitatif dengan analisis dokumen konstitusional dan studi perbandingan hukum tata negara. Hasil penelitian menunjukkan bahwa terdapat perbedaan signifikan dalam pengaturan fungsi wakil presiden di kedua negara. Di Indonesia, posisi wakil presiden dibatasi pada peran pembantu dan penjaga kontinuitas pemerintahan, sementara di Amerika Serikat wakil presiden memiliki peran ganda sebagai ketua senat dan sebagai calon pengganti presiden dengan mekanisme yang lebih jelas. Temuan ini mengindikasikan perlunya reformasi konstitusional dan operasional untuk mengoptimalkan fungsi wakil presiden di Indonesia agar sistem checks and balances dapat berjalan lebih efektif. Penelitian ini berkontribusi pada pengembangan hukum tata negara komparatif dan memberikan rekomendasi praktis bagi penyempurnaan struktur pemerintahan Indonesia.

EDUKASI LITERASI KEUANGAN SYARIAH BAGI PELAJAR DI SMA IT SYAFFUL KHAIRAT KECAMATAN SOFIFI KOTA TIDORE DAN KEPULAUAN Yunus, Kurniati; Putra Usmayani, Ilham; Sanmas, Abu; Hidajat, Rachmat; Kader, Sunarti
Martabe : Jurnal Pengabdian Kepada Masyarakat Vol 9, No 1 (2026): MARTABE : JURNAL PENGABDIAN KEPADA MASYARAKAT
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jpm.v9i1.%p

Kegiatan Pengabdian Kepada Masyarakat (PKM) ini bertujuan untuk meningkatkan literasi ekonomi dan keuangan syariah di kalangan pelajar, khususnya siswa-siswi SMA IT Shafful Khairat Sofifi. Literasi keuangan syariah merupakan salah satu aspek penting dalam mendukung tercapainya inklusi keuangan nasional yang berlandaskan prinsip-prinsip Islam. Meskipun industri keuangan syariah di Indonesia terus berkembang, tingkat pemahaman masyarakat terhadap produk dan prinsip keuangan syariah masih tergolong rendah. Metode pelaksanaan kegiatan ini menggunakan pendekatan Participatory Action Research (PAR) yang meliputi empat tahapan: identifikasi masalah, pengumpulan informasi, analisis data, dan penyampaian hasil. Kegiatan dilaksanakan dalam bentuk penyuluhan dan workshop edukatif dengan melibatkan dua narasumber dari Fakultas Ekonomi dan Bisnis Islam (FEBI) IAIN Ternate. Materi yang disampaikan mencakup enam aspek utama dalam pengelolaan keuangan menurut perspektif Islam, yaitu: berwirausaha, menabung di lembaga keuangan syariah, tidak boros, bersedekah, menghindari utang, dan berinvestasi halal. Hasil kegiatan menunjukkan peningkatan pemahaman peserta terhadap pentingnya literasi keuangan syariah serta tumbuhnya kesadaran untuk menerapkan prinsip-prinsip ekonomi Islam dalam kehidupan sehari-hari. Melalui kegiatan ini, diharapkan siswa dapat menjadi generasi yang cerdas finansial, beretika, dan mandiri secara ekonomi sesuai dengan nilai-nilai syariah. Selain itu, kegiatan PKM ini juga memperkuat peran IAIN Ternate sebagai lembaga pendidikan yang aktif dalam mengedukasi masyarakat tentang ekonomi dan keuangan berbasis syariah.

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