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All Journal INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Student Development Informatics Management (JoSDIM)
Jaya, Rama Indra
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Humanities Computer Science & IT Environmental Science Languange, Linguistic, Communication & Media Library & Information Science Social Sciences

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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.
Pemikiran Ekonomi Islam Pada Era Muhammad Baqir Al Sadr (1935-1980) Jaya, Rama Indra; Arif, Muhammad
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.v4i1.5377

Abstract

In the mid-20th century, significant social and political dynamics in the Arab world, particularly in Iraq, brought forth Muhammad Baqir Al Sadr, an influential Islamic intellectual and activist. Al Sadr was born in 1935, living during Iraq's transitional period from monarchy to political upheaval, creating space for new ideologies, especially in the economic realm, which was pivotal for a nation's progress. As an Islamic scholar and thinker, Al Sadr was not only involved in ideological development but also actively engaged in the evolving political dynamics in Iraq. This socio-political context laid the groundwork for the development of Islamic economic thought he championed. This paper examines how Al Sadr's socio-political background influenced his Islamic economic thought, aiming to uncover the relevance and significant contribution of Al Sadr in the development of Islamic economics at that time and its impact on contemporary Islamic economic thought. The research methodology employed is qualitative, focusing on an in-depth understanding of the background, socio-political context, and Islamic economic thought espoused by Muhammad Baqir Al Sadr. The analytical-descriptive method is also used to analyze and elucidate the application of Islamic economic concepts within the social and political context of that era. The research findings indicate that Al Sadr's economic ideas are relevant to contemporary economic issues, especially ethical values, wealth distribution, and the role of the state in achieving economic justice. However, their implementation faces challenges, such as adaptation to differing global systems and limitations in Islamic financial infrastructure. Addressing these hurdles requires a focus on changing societal behavior and understanding, supportive legal regulations, and technological integration. Despite the obstacles, a holistic approach and gradual steps are envisioned to aid in implementing Islamic economic principles..
THE EFFECT OF RELIGIOSITY, FINES, AND SHARIA FINANCIAL LITERACY ON CUSTOMER COMPLIANCE IN FULFILLING OBLIGATIONS BY COLLECTION ACTIVITIESAS AN INTERVENING VARIABLEIN THE UUS OF PT BANK SUMUT, SIBOLGA CITY Jaya, Rama Indra; Ramadhan, Muhammad; Nurbaiti, Nurbaiti
International Journal of Cultural and Social Science Vol. 6 No. 4 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i4.1239

Abstract

This study examines the influence of religiosity, penalties, and Islamic financial literacy on customer compliance in fulfilling financing obligations, with collection activities as an intervening variable at the Sharia Business Unit (UUS) of Bank Sumut in Sibolga City. The study is motivated by the persistent issue of delayed payments and non-compliance, despite relatively high levels of religiosity and the increasing trend of Islamic financial literacy among customers. A quantitative approach was employed, with primary data collected through questionnaires distributed to 93 respondents selected using accidental sampling. Data were analyzed using multiple linear regression and path analysis (SmartPLS 4.0) to identify direct and indirect effects among variables. The results reveal that religiosity, penalties, and Islamic financial literacy significantly and positively affect collection activities, and jointly influence customer compliance. Partially, religiosity and Islamic financial literacy have a significant positive effect on compliance, whereas penalties demonstrate a positive yet reactive effect, functioning mainly as a deterrent mechanism. Furthermore, collection activities mediate the relationship between the independent variables and compliance, indicating that effective collection procedures strengthen the influence of religious values, penalty perceptions, and financial knowledge on customer behavior. These findings suggest that customer compliance in Islamic banking is not solely shaped by religious conviction and knowledge, but also by operational interventions conducted in a professional, educative, and persuasive manner. The study offers both theoretical contributions to Islamic financial behavior literature and practical implications, emphasizing the need to enhance Islamic financial literacy programs, refine socially oriented penalty mechanisms, and optimize collection strategies to promote disciplined and value-based compliance.
Co-Authors Abda Abda Juliati, Yenni Samri Muhammad Arif Muhammad Ramadhan