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All Journal Gudang Jurnal Multidisiplin Ilmu Jurnal Inovasi Ekonomi Syariah dan Akuntansi
Siti Elita
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Analisis Perkembangan Perbankan Syariah Di Indonesia Dengan Melaksanakan Spin Off Pada Unit Usaha Syariah Ely Eka Saputri; Siti Elita; Anisatul Kamilah
Jurnal Inovasi Ekonomi Syariah dan Akuntansi Vol. 1 No. 4 (2024): Juli: Jurnal Inovasi Ekonomi Syariah dan Akuntansi (JIESA)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/jiesa.v1i4.210

Abstract

There was a spin off policy initially envisaged in Act No. 12 of 2008, but by mid-2023, the OJK subsequently issued POJK No.12 of 2023. The study aims to analyze the development of Sharia banking in Indonesia by implementing a spin-off on the Sharia Business Unit owned by a conventional general bank. This type of research is qualitative research, with the type of analysis used namely analysis of skunder data presented descriptively. This research is carried out by means of a library study or literature review which is taken from various available sources such as data or documents published by the Bank of Indonesia, journals, books, articles, as well as other reading findings related to the research topic. The results of this study show that the development of Sharia banking in Indonesia by implementing a spin-off on the Sharia Business Unit owned by the Conventional General Bank has grown significantly, it is proven with several banks that have joined BUS, recorded in the performance report of the OJK that 14 banks have become Sharia General Bank using different schemes in the process.
Strategi Penanganan Kolektabilitas Berdasarkan Akad Murabahah Di BMT NU Cabang Kalisat Kabupaten Jember Luluk Budi Astutik; Siti Horirin; Siti Elita; Muhammad Saiful Anam
Gudang Jurnal Multidisiplin Ilmu Vol. 2 No. 2 (2024): GJMI - FEBRUARI
Publisher : PT. Gudang Pustaka Cendekia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59435/gjmi.v2i2.304

Abstract

Penelitian ini dilatarbelakangi oleh ketertarikan peneliti untuk menelusuri tingkat kolektibilitas pada pembiayaan akad murabahah, khususnya di BMT NU Cabang Kalisat Jember. Semakin tingginya pembiayaan akad murabahah di BMT NU Cabang Kalisat Jember, maka akan mengakibatkan kenaikan piutang murabahah dan berpengaruh terhadap tingkat kolektibilitas piutang murabahah setiap tahunnya. Jika terjadi pembiayaan bermasalah atau non performing financing (NPF), maka akan mengganggu tingkat kolektibilitas tersebut. Sementara itu, akad murabahah masih menjadi akad yang paling diminati dalam proses pembiayaan BMT NU Cabang Kalisat Jember Penelitian ini bersifat kualitatif. Analisis yang digunakan dalam penelitian ini adalah deskriptif kualitatif. Hasil penelitian menunjukan bahwa BMT NU Cabang Kalisat Jember telah memenuhi ketentuan di dalam Peraturan Bank Indonesia dan Peraturan Otoritas Jasa Keuangan dalam hal pembiayaan akad murabahah. Tingkat kolektibilitas BMT NU Cabang Kalisat Jember selalu berada pada tingkat aman dengan nilai non performing financing (NPF) di bawah 5% yaitu sampai pada saat penelitian ini sebesar 3.51%.
Co-Authors Anisatul Kamilah Ely Eka Saputri Luluk Budi Astutik Muhammad Saiful Anam Siti Horirin