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All Journal JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI
Desita Fitriani
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Religion Humanities Chemistry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Social Sciences

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ANALISIS PRAKTEK LARANGAN MAYSIR, GHARAR, DAN RIBA DALAM ASURANSI SYARIAH DI INDONESIA Desita Fitriani; Fauzatul Laily Nisa
JURNAL MULTIDISIPLIN ILMU AKADEMIK Vol. 1 No. 3 (2024): Juni
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jmia.v1i3.1391

Abstract

This abstract presents an analysis of the practices of prohibiting maysir, gharar, and riba in Sharia insurance in Indonesia. The research highlights efforts to implement Sharia principles in the insurance industry, focusing on avoiding practices that contradict Islamic values. Through a qualitative and descriptive approach, this study examines the steps taken to prevent maysir, gharar, and riba in Sharia insurance operations. Findings indicate structured efforts, such as the use of appropriate Sharia contracts and oversight by the Sharia Supervisory Board. The concept of Sharia insurance, emphasizing solidarity and justice, serves as the foundation for upholding Sharia principles in this industry. However, there are still challenges to overcome, such as a shortage of experts and the need for improved claims services for the public. Thus, this research provides insights into the development of Sharia insurance in Indonesia and the necessary steps to ensure compliance with Sharia principles in this industry.
Optimalisasi Efisiensi Biaya: Studi Kasus Analisis Rasio Biaya Dana Bank BNI Pada Tahun 2019-2023 Desita Fitriani; Leira Narulita; Muhammad Aditya Darmawan; Renny Oktafia
JURNAL RUMPUN MANAJEMEN DAN EKONOMI Vol. 1 No. 1 (2024): Maret
Publisher : CV. KAMPUS AKADEMIK PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jrme.v1i1.1148

Abstract

This study aims to analyze the cost of funds ratio as an indicator of cost efficiency in banking operations, with a focus on Bank BNI. The banking industry plays a vital role in the economy by providing financial services to individuals, businesses and governments. In a global context, banks must adapt to market, technological and regulatory changes to remain relevant and profitable. Cost efficiency is the key to successful bank operations. A case study on Bank Negara Indonesia (BNI) shows fluctuations in the cost of funds ratio, cost of loanable funds, and cost of money over the 2019-2023 period. The implications highlight the importance of efficient fund management to improve profitability and the continuity of bank operations. The conclusion of this study provides direction to improve fund management and the overall financial performance of the bank.
Co-Authors Fauzatul Laily Nisa Leira Narulita Muhammad Aditya Darmawan Renny Oktafia