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All Journal EKSYA: Jurnal Ekonomi Syariah Neraca Manajemen, Akuntansi, dan Ekonomi
Winda Irmayani Sijabat
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Economics, Econometrics & Finance Environmental Science

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ANALISIS PENERAPAN PRINSIP SYARIAH DAN PERKEMBANGAN REKSADANA SYARIAH DI INDONESIA Windy Puspita; Winda Irmayani Sijabat; Kiki Andrea Putri Hasibuan; Muhammad Ikhsan Harahap
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1373

Abstract

This study aims to further explain how the application of sharia principles in sharia mutual funds and their development. This research uses a qualitative method with content analysis, namely research that is carried out in depth on the object under study and uses secondary data or literature/library studies as a technique in research to obtain research results. This research is also analytical descriptive in nature, namely research that provides a clear and detailed description of the object being studied. The results of the research are based on the mechanism, Islamic mutual funds are managed according to Islamic principles, managed by investment managers, are transparent in terms of investment diversification and are guaranteed and supervised by related institutions (OJK) so that it can be concluded that Islamic mutual funds have implemented Islamic principles in their management mechanisms. However, the development of sharia mutual funds continues to experience ups and downs. From 2018 to 2021, the number of sharia mutual funds has increased. However, the Net Asset Value (NAV) of sharia mutual funds in 2018-2022 has experienced a drastic decline. Sharia mutual funds throughout 2022 will continue to experience a periodic decline both in terms of the number of Islamic mutual funds and in terms of Net Asset Value (NAV). When compared between Islamic mutual funds and conventional mutual funds, Islamic mutual funds are still far behind conventional mutual funds. Conventional mutual funds are far superior to Islamic mutual funds. At the end of 2022, the number of sharia mutual funds is only 274, while the number of conventional mutual funds is 1,846. The Net Asset Value (NAV) of sharia mutual funds is 40,605.11 (in billions of rupiah) while that of conventional mutual funds is 464,257.31 (in billions of rupiah).
ANALISIS PENERAPAN PRINSIP SYARIAH PADA PEMBIAYAAN MURABAHAH DI BPRS GEBU PRIMA MEDAN Winda Irmayani Sijabat; Nursantri Yanti
Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi Vol. 4 No. 8 (2024): Musytari : Neraca Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v4i8.2710

Abstract

Penelitian ini bertujuan untuk menganalisis kegiatan pembiayaan akad murabahah di BPRS Gebu Prima Medan apakah sudah diterapkan sesuai prinsip syariah atau belum. Adapun metode penelitian yang digunakan adalah kualitatif deskriptif yaitu penelitian yang memberikan paparan secara rinci mengenai objek yang diteliti. Dengan menggunakan penelitian lapangan dan hasil wawancara sebagai teknik pengumpulan data. Wawancara dilakukan di BPRS Gebu Prima Medan bersama dengan Ibu Iffah Mahriz selaku staf pembiayaan dengan menggunakan wawancara terarah secara individual. Adapun teknik analisis data yang digunakan adalah reduksi data, penyajian data dan penarikan kesimpulan. Selain itu, penelitian ini juga dilakukan dengan menggunakan studi literatur yaitu data penelitian yang bersumber dari website, buku-buku dan artikel penelitian-penelitian terdahulu yang relevan dan terpercaya. Adapun hasil dari penelitian ini yaitu bahwa pembiayaan murabahah di BPRS Gebu Prima Medan hampir sepenuhnya sesuai prinsip syariah karena bank memberikan pembiayaan yang tidak bertentangan dengan kaidah Islam, seperti usaha perhotelan, kolam renang, dan tempat hiburan tapi memberikan pembiayaan pada aspek yang jelas dan halal sesuai dengan prinsip syariah. Selain itu, BPRS Gebu Prima Medan juga tidak menerapkan sistem bunga melainkan menggunakan sistem margin dalam memperoleh keuntungan. Namun dalam pengadaan objek murabahah masih belum sesuai dengan prinsip syariah, karena barang baru dimiliki oleh bank setelah akad dilakukan. Sehingga pada saat akad berlangsung, objek murabahah belum menjadi milik bank dan objek murabahah belum ada di tempat saat akad sedang berlangsung. Tentu saja hal ini tidak sesuai dengan ketentuan syariah dari pembiayaan murabahah.
ANALISIS PENERAPAN PRINSIP SYARIAH DAN PERKEMBANGAN REKSADANA SYARIAH DI INDONESIA Windy Puspita; Winda Irmayani Sijabat; Kiki Andrea Putri Hasibuan; Muhammad Ikhsan Harahap
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1373

Abstract

This study aims to further explain how the application of sharia principles in sharia mutual funds and their development. This research uses a qualitative method with content analysis, namely research that is carried out in depth on the object under study and uses secondary data or literature/library studies as a technique in research to obtain research results. This research is also analytical descriptive in nature, namely research that provides a clear and detailed description of the object being studied. The results of the research are based on the mechanism, Islamic mutual funds are managed according to Islamic principles, managed by investment managers, are transparent in terms of investment diversification and are guaranteed and supervised by related institutions (OJK) so that it can be concluded that Islamic mutual funds have implemented Islamic principles in their management mechanisms. However, the development of sharia mutual funds continues to experience ups and downs. From 2018 to 2021, the number of sharia mutual funds has increased. However, the Net Asset Value (NAV) of sharia mutual funds in 2018-2022 has experienced a drastic decline. Sharia mutual funds throughout 2022 will continue to experience a periodic decline both in terms of the number of Islamic mutual funds and in terms of Net Asset Value (NAV). When compared between Islamic mutual funds and conventional mutual funds, Islamic mutual funds are still far behind conventional mutual funds. Conventional mutual funds are far superior to Islamic mutual funds. At the end of 2022, the number of sharia mutual funds is only 274, while the number of conventional mutual funds is 1,846. The Net Asset Value (NAV) of sharia mutual funds is 40,605.11 (in billions of rupiah) while that of conventional mutual funds is 464,257.31 (in billions of rupiah).
Co-Authors Harahap, Muhammad Ikhsan Kiki Andrea Putri Hasibuan Nursantri Yanti Windy Puspita