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Journal : Madani: Multidisciplinary Scientific Journal

Pembiayaan Pada Bank Syariah R, Randa; Huda, Nurul; Bte Salam, Nola Fibriyani; N, Nurnasrina
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14553695

Abstract

This research examines Islamic bank financing as a vital tool in supporting sustainable economic growth and social justice. Islamic bank financing operates based on Islamic principles, such as the prohibition of usury, clarity of contracts and ethics in transactions. Various financing products including murabahah, ijarah, musyarakah and mudharabah are outlined to show how each type of financing meets the needs of customers despite the challenges of Islamic banking. Using a qualitative method of analysis, this study concludes that despite the challenges, the growth of Islamic bank financing shows significant potential in driving economic growth.
Analisis Kerangka Kerja Asset dan Leability Management (ALMA) Sari, Febria Lesmita; Huda, Nurul; N, Nurnasrina; Salman, Nola Fibriyani Bte
Madani: Jurnal Ilmiah Multidisiplin Vol 2, No 12 (2025): Januari
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14550686

Abstract

Asset and Liability Management (ALMA) in Islamic banking, the management of bank assets and liabilities to achieve a balance between profitability and risk. Using literature studies, this study identifies key elements of ALMA, such as policy setting, data collection, scenario analysis, liquidity management, gap management, and foreign exchange management. The ALMA framework is designed to maximize revenue and control risks such as financing risk, liquidity risk, pricing risk, and foreign exchange risk. ALMA allows banks to maintain balance sheet stability and face market changes more adaptively, supporting optimal financial performance.