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All Journal Maslahah: Jurnal Manajemen dan Ekonomi Syariah Ekonomi Keuangan Syariah dan Akuntansi Pajak Danadyaksa: Post Modern Economy Journal Journal Tafkirul Iqtishodiyyah
Lu’lu’il Maknuun
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Mathematics Other

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Implementasi Akad Murabahah pada Pembiayaan KUR (Kredit Usaha Rakyat) dalam Pengembangan Usaha Mikro Bank Syariah Indonesia KCP Mojokerto Mojosari Siti Firdatun Najwa; Lu’lu’il Maknuun
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 2 No. 4 (2024): Oktober : Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v2i4.1625

Abstract

This study aims to understand how the KUR financing mechanism using murabahah contracts is implemented by Bank Syariah Indonesia and its role in the development of micro enterprises. The research approach used is qualitative with a descriptive method. Research data was collected through in-depth interviews, direct observation, and documentation. The results of the study show that the murabahah contract is effectively applied in KUR financing at Bank Syariah Indonesia KCP Mojokerto Mojosari. This agreement allows banks to buy goods needed by customers and then sell them to customers with an agreed profit margin. The implementation of this murabahah contract provides an alternative financing that is in accordance with sharia principles, thus attracting the interest of micro entrepreneurs who want to avoid usury. In addition, this financing mechanism has also been proven to help increase production capacity and the economic welfare of micro business owners. This study found that the implementation of KUR financing through murabahah contracts at Bank Syariah Indonesia KCP Mojokerto Mojosari contributed significantly to the development of micro businesses. Micro-entrepreneurs who obtain this financing can expand their business, improve product quality, and expand the market. Thus, this financing not only helps in the provision of working capital but also encourages local economic growth.
Pengaruh Good Corporate Governance dan Pengelolaan Manajemen Risiko Terhadap Reputasi Dengan Kinerja Keuangan Sebagai Variabel Intervening di Bank Central Asia Syariah Kholifah Ragil Saputra; Lu’lu’il Maknuun; Ahmad Mukhlisuddin
Ekonomi Keuangan Syariah dan Akuntansi Pajak Vol. 1 No. 2 (2024): April: Jurnal Ekonomi Keuangan Syariah dan Akuntansi Pajak
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/eksap.v1i2.59

Abstract

This study aimed to find out whether Good Corporate Governance and Risk Management affected reputation with financial performance as an intervening variable in the case study of Bank Central Asia Syariah. In addition, this study also aimed to test whether financial performance variables mediatd the relationship between each variables. The sample used in this research was Bank Central Asia Syariah's quarterly and annual reports published for 2017-2022. The method used was a quantitative approach with data analysis using smartPLS, the data used was secondary data. The research results showed that Good Corporate Governance has significant effect on reputation.Good Corporate Governance has not is proven significant to financial performance. Risk management has proven to have a significant effect on reputation. Risk management has a significant effect with a negative influence on financial performance. Financial performance has proven to have a significant effect on reputation. The path test showed that financial performance is unable to mediated Good Corporate Governanceon and risk management on reputation. Keywords: GCG, Risk Management, Reputation, Financial Performance
Analysis of Take-Over Implementation in Risk Mitigation in Murabahah Griya Financing Products at Bank Syariah Indonesia KCP Mojosari Lu’lu’il Maknuun; Kartika Andini
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 1 (2023): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i1.13

Abstract

Due to the high-interest rates charged by conventional banks, many of their customers are looking to switch to Islamic financial institutions such as Bank Syariah Indonesia (BSI), where they can take advantage of debt takeovers or takeover of Murabahah Griya financing products. This research aims to analyze the Take Over of Bank Syariah Indonesia KCP Mojosari in Mitigating the Risk of Griya Murabahah Financing Products. This research uses a qualitative descriptive approach, with data collected from descriptions provided by researchers about phenomena in the field. Researchers conducted interviews and screened records to obtain information for this study. Based on the findings of this research, it can be concluded that the takeover of murabahah griya financing by Bank Syariah Indonesia is legal according to the provisions of DSN-MUI fatwa No.31/DSN-MUI/VI/2002. Bank Syariah Indonesia collects all documentation related to the takeover of financing, checks customer track records, and carries out financing restructuring in an effort to reduce risks related to the takeover of murabahah griya financing.
ANALISIS EDUKASI AYO HIJRAH BANK MUAMALAT KCP MADIUN DALAM MENINGKATKAN PEMAHAMAN MASYARAKAT DESA TEMBORO TERHADAP PENTINGNYA MENABUNG (Studi Kasus Program Sosialisasi Bank Muamalat KCP Madiun) Lu’lu’il Maknuun; Moh. Ichiyak Ulumuddin; Indri Ratna Dewi
Journal Tafkirul Iqtishodiyyah Vol. 3 No. 1 (2023): JOURNAL TAFKIRUL IQTISHODIYYAH
Publisher : Sekolah Tinggi Ilmu Syrari’ah Daru ‘Ulum (STSDU) Lampung Timur.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63761/10.63761/.2023.v3.i1.a80

Abstract

Kurangnya pemahaman masyarakat Desa Temboro dan tidak tersedianya bank syariah diwilayah desa tersebut menjadi kendala bagi masyarakat yang memiliki berbagai macam paradigma yang muncul yang berkaitan dengan bank syariah dan bank konvensional. Persepsi yang positif berupa kemudahan untuk bertransaksi ataupun yang negative berupa bertransaksi di bank itu riba.[1] Berbagai macam paradigma yang muncul dari kalangan masyarakat sehingga hal yang demikian membuat Bank Muamalat KCP Madiun melakukan edukasi langsung ke desa Temboro. Selain itu. Salah satu yang menjadi faktor pendukung bagi bank Muamalat KCP Madiun dalam menggapai sasaaran yaitu lokasi yang strategis sehingga memiliki potensi yang besar dalam mencapai sasaran. Penelitian ini bertujuan untuk menganalisis dari bentuk edukasi ayo hijrah Bank Muamalat KCP Madiun dalam memperkenalkan produk bank syariah dan meningkatkan pemahaman kepada masyarakat. Jenis penelitian ini adalah studi kasus dengan menggunakan pendekatan kualitatif. Teknik pengumpulan data melalui observasi, wawancara dan dokumentasi. Wawancara dilakukan kepada pimpinan, karyawan, dan nasabah Bank Muamalat KCP Madiun, dan dokumentasi berupa data yang mendukung penelitian ini. Berdasarkan hasil penelitian ini menunjukkan bahwa dari pelaksanaan kegiatan edukasi ayo hijrah Bank Muamalat KCP Madiun berupa edukasi langsung, edukasi tidak langsung atau perantara, brosur dan postingan media sosial. Sehingga hasil yang diperoleh warga desa Temboro mampu mengenal produk-produk bank syariah salah satu produk bank Muamalat KCP Madiun. Disamping itu bank juga mengalami peningkatan pada jumlah rekening tabungan yaitu pada tabungan ib hijrah dan mengalami peningkatan jumlah nasabah dari masyarakat pedesaan berupa nasabah haji dan yang lainnya.
Co-Authors Ahmad Mukhlisuddin Indri Ratna Dewi Kartika Andini Kholifah Ragil Saputra Moh. Ichiyak Ulumuddin Siti Firdatun Najwa