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SKEMA PEMBIAYAAN DALAM PERBANKAN SYARIAH Riska Febrian; Aprilia Rahmasari; Kharisma Tri Buana Dewi; 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.v1i1.1140

Abstract

Sharia banking is a body that oversees public finances in the form of savings and returns to the community in the form of financing. Banking is a solution to problems to achieve community economic prosperity. The aim of this research is to explain the basic concepts of financing in sharia banking using library research. The final results obtained show that financing carried out by banks is carried out using financing feasibility analysis for customers before providing financing using a funding analysis approach, application of funding analysis principles, application of funding analysis procedures and policies in funding decisions.
Inovasi Produk Pembiayaan Mikro dalam Pengembangan Usaha Kecil Menengah Berbasis Syariah Kharisma Tri Buana Dewi; Fauzatul Laily Nisa
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 2 (2024): Juli
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i2.90

Abstract

Small and Medium Enterprises (SMEs) play an important role in the Indonesian economy. However, access to financing is still a major obstacle to the growth of SMEs. Islamic financial institutions have great potential to support SME financing through innovative products that comply with sharia principles. This study aims to analyze the innovation of Islamic microfinance products in the development of SMEs. The research method used is a qualitative approach with literature studies and in-depth interviews. The results show that product innovations such as mudharabah, musyarakah, murabahah, and qardh financing play a significant role in meeting the financing needs of SMEs. The research also identified challenges and opportunities for the development of Islamic microfinance products for SMEs in the future.
Pengaruh Sukuk Sebagai Instrumen Dalam Kebijakan Fiskal Dan Kebijakan Moneter Di Indonesia Kharisma Tri Buana Dewi; Fauzatul Laily Nisa
JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Vol. 1 No. 2 (2024): Juli
Publisher : CV. KAMPUSA AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jemba.v1i2.109

Abstract

State governments provide Islamic financial instruments known as state sukuk to finance development and infrastructure projects. SBSN are state securities issued in accordance with sharia principles. SBSN shows the amount of assets in rupiah and foreign exchange. This study was conducted using a literature and qualitative approach. Overall, sukuk is an important fiscal instrument for the government in terms of financing, diversification, liquidity management, infrastructure development, debt restructuring, and Islamic financial market growth. Sukuk issuance finances the state budget and government projects, especially those related to infrastructure development.