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All Journal Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Monetary Economics and Finance Jurnal Review Pendidikan dan Pengajaran (JRPP) Al-Kharaj: Journal of Islamic Economic and Business Jurnal Ilmiah Akuntansi Peradaban Tangible Journal Bertuah : Jurnal Syariah dan Ekonomi Islam LOSARI: Jurnal Pengabdian Kepada Masyarakat Jurnal Ar-Ribh Margin Eco : Jurnal Ekonomi dan Perkembangan Bisnis Mauriduna : Journal of Islamic studies Jurnal Ekonomi Syariah dan Bisnis SIMBOL : Jurnal Administrasi Publik dan Pemerintahan Mutlaqah: Jurnal Kajian Ekonomi Syariah Indonesian Research Journal on Education Kartika: Jurnal Studi Keislaman Al-Jadwa: Jurnal Studi Islam
Arsyad, Kamaruddin
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KEPATUHAN NOTARIS TERHADAP KODE ETIK DALAM PEMBUATAN AKTA IMBT Aulia, Rahma; Fitri, Fitri; Najmih, Nur; Wahyudi, Nur Rifqi; Arsyad, Kamaruddin
Jurnal Review Pendidikan dan Pengajaran Vol. 8 No. 2 (2025): Volume 8 No. 2 Tahun 2025
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v8i2.47456

Abstract

Notaris memiliki peran penting dalam menjamin keabsahan akta-akta autentik, termasuk dalam pembuatan akta Ijarah Muntahiyah Bittamlik (IMBT) pada perbankan syariah. Namun, dalam praktiknya, masih ditemukan pelanggaran terhadap kode etik notaris, seperti penyusunan akta yang tidak adil, penggunaan perjanjian baku, dan kurangnya pemahaman terhadap prinsip-prinsip syariah. Penelitian ini bertujuan untuk menganalisis sejauh mana kepatuhan notaris terhadap kode etik dalam pembuatan akta IMBT, menggunakan pendekatan normatif-kualitatif melalui studi pustaka. Hasil kajian menunjukkan bahwa meskipun Undang-Undang Jabatan Notaris telah memberikan dasar hukum yang kuat serta mekanisme pengawasan dan sanksi, pelanggaran tetap terjadi. Oleh karena itu, peningkatan pemahaman serta penerapan kode etik secara konsisten sangat penting agar akta IMBT tidak hanya sah secara hukum, tetapi juga sesuai dengan nilai-nilai keadilan dan prinsip syariah
ANALISIS ISI AKTA AKAD MURABAHAH PADA PRODUK PEMBIAYAAN KONSUMTIF DI BANK SYARIAH Nurfazilah, Nurfazilah; Ansari, Noval; Raehani, Najmi; Azizah, Ulfa; Arsyad, Kamaruddin
Jurnal Review Pendidikan dan Pengajaran Vol. 8 No. 2 (2025): Volume 8 No. 2 Tahun 2025
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v8i2.47457

Abstract

Penelitian ini bertujuan untuk menganalisis struktur, redaksi, dan substansi akta akad murabahah pada produk pembiayaan konsumtif di bank syariah, serta menilai kesesuaiannya dengan prinsip syariah dan hukum positif Indonesia. Dengan pendekatan kualitatif deskriptif dan metode analisis isi, penelitian ini mengkaji dokumen akta notaris, literatur fiqh muamalah, fatwa DSN-MUI, Undang-Undang Perbankan Syariah, dan regulasi OJK. Hasil kajian menunjukkan bahwa meskipun akta murabahah umumnya memenuhi persyaratan formal sebagai akta otentik, ditemukan sejumlah ketidaksesuaian substantif, seperti tidak terpenuhinya kepemilikan sah atas barang sebelum dijual, serta keberadaan klausul penalti yang menyerupai riba. Penelitian ini merekomendasikan penyusunan standar nasional redaksi akta syariah, peningkatan peran notaris dalam verifikasi transaksi riil, serta harmonisasi regulasi agar akta murabahah sah secara formal dan substansial sesuai prinsip syariah.
Efektivitas Penerapan Kontrak Mudharabah dalam pembiayaan Usaha Mikro pada Bank Syariah Maritza Tauhid, Datuh; Adawiyah, Rabiatul; Putri Paradibah, Amuria; Rahman, Yulia; Arsyad, Kamaruddin
Kartika: Jurnal Studi Keislaman Vol. 5 No. 2 (2025): Kartika: Jurnal Studi Keislaman (Agustus)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v5i2.271

Abstract

This study aims to analyze the effectiveness of implementing the mudharabah contract in micro-enterprise financing by Islamic banks in Indonesia. Mudharabah is a profit-sharing contract that theoretically represents an ideal instrument in the Islamic financial system, as it emphasizes justice, cooperation, and risk-sharing. However, in practice, mudharabah financing remains less dominant compared to murabahah-based financing. This study employs a qualitative descriptive method using a literature review approach, drawing from various scientific articles published in the last five years and reference books published in the last ten years. The findings indicate that although mudharabah holds significant potential in empowering micro-enterprises, its implementation still faces several challenges, including low Islamic financial literacy, regulatory and incentive frameworks that are not yet supportive, a transactional business culture, limited monitoring and assistance capacity, and high financing risk. Additionally, the dominance of murabahah-based financing reflects that Islamic banks have not fully utilized the potential of mudharabah as a superior financing instrument to promote Islamic financial inclusion. Recommended strategies include strengthening Islamic financial literacy, utilizing digital technology, and developing community-based mudharabah products. Through synergy among stakeholders, mudharabah has great potential to become a key instrument in strengthening micro-enterprise inclusively and sustainably within the Islamic economic framework.
Peran Kualitas Layanan Pegawai Bank terhadap Kepuasan Nasabah Bank Syariah Indonesia (BSI) KCP di Kota Makassar Marsyah, Marsyah; Mahdalena, Lailatul; Ihsan, Muh Darul; Arsyad, kamaruddin
Indonesian Research Journal on Education Vol. 5 No. 1 (2025): Irje 2025
Publisher : Fakultas Keguruan dan Ilmu Pendidikan, Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/irje.v5i1.1927

Abstract

kualitas layanan merupakan keunggulan suatu lembaga atau institusi yang dilakukan untuk memenuhi keinginan dan kebutuhan nasabah untuk menciptakan rasa kepuasan pada nasabah terutama pada bank dikarenakan kualitas layanan memiliki peranan penting dalam menarik dan mempertahankan nasabah. Tujuan dari kajian ini adalah untuk mengetahui peran kualitas layanan yang memenuhi kebutuhan nasabah bank Syariah. Kualitas yang bagus adalah salah satu komponen penting dalam menciptakan kepuasan nasabah, yang pada akhirnya dapat meningkatkan loyalitas nasabah serta memperkuat daya saing bank syariah. Dalam penelitian ini, pendekatan yang diterapkan adalah menggunakan informasi dan data dari artikel terkait layanan yang tersedia di bank syariah serta hasil survei kepuasan pelanggan terhadap layanan tersebut melalui wawancara pada beberapa nasabah. Melalui wawancara yang telah dilakukan, ditemukan bahwa kualitas pelayanan yang meliputi aspek kecepatan, keramahan, kenyamanan, dan kemudahan aksesibilitas sangat berpengaruh terhadap tingkat kepuasan nasabah. penelitian ini memberikan gambaran mengenai pentingnya peningkatan kualitas layanan untuk mempertahankan dan menarik lebih banyak nasabah pada bank syariah. Kualitas layanan serta kepuasan pelanggan menjadi acuan untuk bank Syariah lebih maju dan berkembang.
The Effectiveness Of Implementing The Musyarakah Mutanaqisah (MMQ) Contract On The Financing Of Home Ownership Credit Products (KPR) BTN Syariah Makassar Branch Hamid, Supriadi; Supriani, Nuraisyah; Arsyad, Kamaruddin
Jurnal Ar-Ribh Vol. 7 No. 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.14524

Abstract

The purpose of this study was to find out how the implementation of the Musyarakah Mutanaqisah (MMQ) contract for financing home ownership credit (KPR) and to analyze the effectiveness of implementing the MMQ contract for financing KPR products at Bank BTN Syariah Makassar Branch. This type of research is a qualitative research with a descriptive approach. The data sources of this research are primary and secondary data . Data collection methods used in this research are observation, interviews, and documentation. The results of this study indicate that the implementation of the MMQ contract in financing KPR products at the Makassar Branch of BTN Syariah bank is that the bank and the customer jointly buy a house object and then agree to rent it out again to gain profit from the rental with a profit sharing ratio, where the customer as the owner as well as the tenant is obliged to pay installments bank principal and lease, the portion of bank ownership will decrease due to gradual purchases and full ownership for the customer of the object at the end of the period. The results of this study also explain that the application of the MMQ contract in financing KPR products of Bank BTN Syariah Makassar is still ineffective because in practice it still creates a conflict with the characteristics of MMQ.
STRENGTHENING ZAKAH COMPLIANCE AMONG INDONESIAN MUSLIMS THROUGH THE ROLE OF INSTITUTIONAL CAPABILITIES Razak, Syaparuddin; Nasuka, Moh.; Syahabuddin, Syahabuddin; Arsyad, Kamaruddin; Darwis, Muh.
Journal of Islamic Monetary Economics and Finance Vol. 10 No. 3 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i3.2081

Abstract

This study examines the mediating role of institutional capabilities in the complex interplay between zakah regulation, leadership, and entrepreneurial competencies, aiming to understand their collective impact on the augmentation of zakah compliance. To this end, a questionnaire was distributed to 833 Indonesian Muslims who actively contribute zakat to official institutions, and the data are analyzed using partial least squares structural equation modeling. The findings underscore the pivotal role of institutional capabilities as a mediator between zakah regulation, leadership, and entrepreneurial competencies, with entrepreneurial skills exerting the most notable influence on zakah compliance. Further, perceived taqwa emerges as a robust influencer of compliance, while zakah regulation demonstrates a dual impact on both compliance and institutional capabilities. Additionally, the study advocates for prioritizing the development of entrepreneurial competencies within zakah institutions, aligning regulations with institutional growth, and nurturing perceived taqwa to fortify zakah compliance on a global scale. Departing from conventional approaches, this study adopts an innovative method by evaluating the efficacy of zakat institutions through institutional capabilities, particularly focusing on entrepreneurial competencies. The introduction of institutional capabilities as a mediating factor signifies a departure from the traditional framework, providing a novel perspective on the evaluation of resource reallocation and strategic direction.
Transformasi Digital Perbankan Syariah: Peluang dan Tantangan Bhayangkara G, Andi Nabila; Tauhid, Datuh Maritza; Adawiyah, Rabiatul; Arsyad, Kamaruddin
MUTLAQAH: Jurnal Kajian Ekonomi Syariah Vol 5, No 2 (2025): Edisi Januari
Publisher : Universitas Islam Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/mutlaqah.v5i2.10602

Abstract

Transformasi digital diperbankan syariah menjadi sebuah dorongan dalam peningkatan efesiensi operasionalnya. Sehingga dapat meningkatkan jangkauan masyarakat dalam penggunaan produk lembaga keuangan syariah itu sendiri. Kuatnya dorongan dan tuntutan transformasi digital menjadikan bank syariah dapat menghasilkan berbagai produk berbasis digital dengan menghadirkan layanan seperti SMS banking, internet banking, dan mobile banking. Penelitian ini menggunakan metode kualitatif deskriptif dengan sumber data yang diperoleh dari data sekunder, dengan pedekatan penelitian yaitu literature review. Hasil penelitian ini menjelaskan bagaimana adopsi layanan digital dipengaruhi oleh berbagai tantangan di masyarakat, termasuk tingkat literasi perbankan digital di Indonesia. Untuk mengatasi masalah ini, KOMINFO telah menerapkan akses internet 5G untuk memfasilitasi mobile banking dan layanan digital lainnya bagi bank syariah. Selain itu, Bank Indonesia sebagai bank sentral, memainkan peran penting dalam sistem perbankan, berkoordinasi dengan lembaga internasional dan memfasilitasi transaksi yang dilakukan di dalam bank syariah.
Implementasi health behaviour, skrining kesehatan, dan pemberdayaan masyarakat di bidang pendidikan dan keagamaan di desa Mattampa Bulu Arsyad, Kamaruddin; Ramadhani, Siti
LOSARI: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 1 (2021): Juni 2021
Publisher : LOSARI DIGITAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53860/losari.v3i1.43

Abstract

Abstrak. Implementasi health behaviour dan skrining kesehatan serta pemberdayaan masyarakat dalam bidang pendidikan dan keagamaan di Desa Mattampa Bulu. Tujuan pengabdian ini adalah untuk memberikan pendampingan dan memberdayakan masyarakat serta sebagai wadah edukasi sebagai upaya promotif preventif. Tim pengabdian masyarakat melaksanakan persiapan awal dengan melakukan survey data statistik yang dilanjutkan dengan survey lapangan melalui observasi dan wawancara bersama tokoh-tokoh masyarakat terkait yang kemudian didiskusikan melalui Focal Group Discussion. Kegiatan pengabdian ini telah berhasil mendapatkan respon yang baik dari masyarakat, diaman secara statistik diketahui bahwa 72% dari 50 responden memberikan pendapat bahwa kegiatan ini memberikan pengaruh terhadap penguasaan bidang keagamaan, pendidikan dan peningkatan status kesehatan masyarakat. Selain itu, 96% responden mengharapkan agar kegiatan seperti ini dapat dilaksanakan kembali dan menjadi suatu program yang berkelanjutan.
Dinamika Kontrak ljarah dan Implikasinya Terhadap Pertumbuhan Bank Syariah: Analisis Laporan Keuangan 2020-2024 Sari, Adelia; Erni; Citra Lestari, Bunga; Kafabillah, Zidnyfahma; Arsyad, Kamaruddin; Ahsan Kamil, Muh.
Kartika: Jurnal Studi Keislaman Vol. 5 No. 3 (2025): Kartika: Jurnal Studi Keislaman (November)
Publisher : Lembaga Pendidikan Tinggi Nahdlatul Ulama (LPT NU) PCNU Kabupaten Nganjuk

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59240/kjsk.v5i3.239

Abstract

This study analyzes the dynamics of ijarah contracts and their implications for the growth of Islamic banks in Indonesia, with a case study of Bank Syariah Indonesia (BSI) during the period 2020-2024. The ijarah contract is one of the main financing instruments in Islamic banking that provides an alternative to leasing the benefits of assets without transferring ownership. Using a qualitative, normative legal approach and financial statement analysis, this study finds that ijarah-based financing, especially ljarah Muntahiyah Bit Tamlik (IMBT), shows a significant increase in the productive assets of Islamic banks. The value of ijarah assets increased from IDR 1.5 trillion (2020) to IDR 3.1 trillion (2024), reflecting the strategic role of this contract in driving the growth of Islamic financing. Despite facing challenges such as limited public understanding and operational complexity, the ijarah contract remains relevant and has the potential to expand Islamic financial inclusion. This study contributes to the understanding of the effectiveness of the ijarah contract as a driver of Islamic bank growth and highlights the need for increased education and strengthened regulations.
Tantangan Pembiayaan Murabahah Konsumtif pada Bank Syariah Indonesia Saputra, Reza Eka; Arsyad, Kamaruddin; Possumah, Bayu Taufiq; Majid, Jamaluddin; Wawo, Andi
Tangible Journal Vol. 10 No. 2 (2025): Vol. 10 No. 2, Desember 2025
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) STIE Tri Dharma Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53654/tangible.v10i2.707

Abstract

This study aims to analyze the challenges of consumptive murabahah financing contracts in Islamic Banks in Indonesia. Using a qualitative library research approach, the study relies on secondary data collected through Google Scholar searches supported by the Publish or Perish (PoP) software with the keyword “Murabahah Financing in Islamic Banks in Indonesia 2020–2025.” Only journal articles were used as data sources. From 29 relevant references, seven specifically examined Bank Syariah Indonesia (BSI). All collected data were compiled, analyzed, and interpreted to formulate a literature-based conclusion. The findings reveal that murabahah is the most dominant consumptive financing product at BSI in terms of user interest and transaction volume. Its popularity is driven by its simplicity, margin certainty, and lower risk of default. In practice, murabahah bil wakalah is widely implemented, creating an impression similar to conventional credit schemes. Although BSI’s implementation complies with PSAK 102 and DSN–MUI fatwas, several challenges remain, particularly customers’ limited understanding of contract mechanisms, lack of transparency in margin determination, and the potential financial burden borne by customers.
Co-Authors , Mira Aas, Ummul Faida Abdul Wahab Adelia Sari Aditya Ahsan Kamil, Muh. Almadani, Futri Nur Ameliyani, Rizki Amir, A. M. Nur Atma Andi Wawo Ansari, Noval Ardin, Ardiani Aulia, Rahma Auliah, Alvia ` Ayu Saputri, Ayu Bayu Taufiq Possumah, Bayu Taufiq Bhayangkara G, Andi Nabila Citra Lestari, Bunga Erni Fitri Fitri Gani, Ilham Haerunnisa, Rosyada Hamid, Supriadi Ihsan, Muh Darul Jamaluddin Majid Kafabillah, Zidnyfahma KAMIL, MUH. AHSAN Mahdalena, Lailatul Maritza Tauhid, Datuh Marsyah, Marsyah Muh. Darwis Muhammad Rizky Prima Sakti, Muhammad Rizky Prima Muin, Rahmawati Murtiadi Awaluddin Najmih, Nur Nanda, Sahabuddin Nasuka, Moh. Ningsih, Anggun Setya Nuraliza Asrah, St. Nurfazilah, Nurfazilah Parmitasari, Rika Dwi Ayu Putri Paradibah, Amuria Rabiatul Adawiyah Raehani, Najmi Rahman Ambo Masse Rahman, Yulia Ramadani, Sindy Ramadhani, Siti Razak, Syaparuddin Rifqah, Zulfa Rismawati Rismawati Rismawati Rostiani, Helda Safri Haliding Saputra, Reza Eka Silfia, Ayu Solly Aryza Sri Nurul Nabila Sudirman Sudirman Sudirman, Anggreani Sumarlin Supriadi Supriadi Supriani, Nuraisyah Syafnur, St Rahmawati Syahabuddin, Syahabuddin Syahrini, Syahrini Tauhid, Datuh Maritza Ulfa Azizah, Ulfa Wahyudi, Iqmal Wahyudi, Nur Rifqi Wiwik Handayani Wulandari, Sinar