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All Journal IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Bisnis
Nazulah, Laili Irfatun
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Economics, Econometrics & Finance

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Overview Of The Implementation Of Profit Sharing System In Islamic Commercial Banks In Indonesia Pratiwi, Putri Hadiyanti; Nazulah, Laili Irfatun; Huda, Qomarul; Nurohman, Dede
IQTISHADUNA Vol. 15 No. 1 (2024): IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam
Publisher : UIN Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v15i1.10298

Abstract

Profit-sharing system is a special feature of Islamic banking to be offered to the public as a substitute for interest in conventional banks that are considered to contain elements of usury. Identification of problems based on data and previous research is to review how the application of profit-sharing that is characteristic of Islamic banks as a substitute for usury solution, whether the majority of Muslim Indonesians have made maximum use of the profit-sharing system, and whether Islamic banks carry out their financing activities by Sharia provisions. The purpose of this study was to determine the application of the profit-sharing system in Islamic commercial banks in Indonesia and the comparison of the Mudharabah and Musharakah financing systems with the Murabahah financing margin. This research uses qualitative methods of library research approach (literature study). Data analysis techniques using qualitative data Miles and Huberman models. As a result, the application of profit sharing in 12 Sharia commercial banks (BUS) in Indonesia is greater than the financing of Musharakah financing Mudharabah. Comparison of Mudharabah and Musharakah financing with a profit-sharing system with Murabahah financing, namely as of December 2022, Murabahah financing is still the largest financing in demand by the Indonesian people. This is because financing with a profit-sharing system contains many risks.
Filsafat Ekonomi Syariah Sebagai Landasan Sistem Ekonomi Syariah Bagi Pendidikan Umat Islam Lestari, Indri Wahyu; Nazulah, Laili Irfatun; Albab, Ulil
Jurnal Bisnis Vol. 11 No. 2 (2023): Desember
Publisher : Sekolah Tinggi Ilmu Ekonomi dan Bisnis Perdana Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62739/jb.v11i2.43

Abstract

Tujuan: Penelitian ini bertujuan untuk mengetahui pengaruh filsafat ekonomi syariah sebagai landasan sistem ekonomi syariah terhadap pendidikan umat islam. Metodologi/Pendekatan: Jenis penelitian kualitatif. Hasil penelitian diperoleh dengan studi literatur. Hasil: Hasil penelitian menyatakan bahwa pelaku ekonomi sadar bahwa perlu adanya perekonomian yang berdasar pada nilai islam dan dikelola oleh Masyarakat muslim di Indonesia. Implikasi Praktis: Penelitian ini dapat menjadi pertimbangan bagi pelaku ekonomi terkait pentingnya filsafat ekonomi syariah sebagai landasan sistem ekonomi syariah. Kebaruan: Penelitian ini berkontribusi pada pengembangan literatur mengenai ekonomi syariah dan pengembangan sumber daya manusia pada konteks masyarakat muslim di Indonesia sebagai pelaku ekonomi syariah.
Co-Authors Dede Nurohman Lestari, Indri Wahyu Pratiwi, Putri Hadiyanti Qomarul Huda, Qomarul Ulil Albab