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All Journal Edukasi Islami: Jurnal Pendidikan Islam Akademika Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA)
Wahyudhi, Imam
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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IMBT (Ijarah Mumtahiya Bittamlik) as the main contract in mortgage (Home Ownership Credit) Wahyudhi, Imam; Irawan, Agus Wahyu; Khoir, Misbahul
Akademika Vol 18 No 1 (2024): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v18i1.1981

Abstract

The non-compliance of the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract as the main contract in mortgages (Home Ownership Credit) with the DSN-MUI fatwa in its implementation procedures is a problem in the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract. In this study, the research method used is Library Research, where secondary data is obtained from data provided by data providers from several Islamic banks and offline data from several books. The results of this discussion show that according to DSN-MUI fatwa Number 27 (2002), Ijarah Mumtahiya Bit-Tamlik (IMBT) is a form of lease agreement for goods or services that includes an option to transfer ownership rights of the leased object to the lessee when the lease period ends. In general, in Islamic banks, in the mortgage financing scheme with the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract, the bank will purchase an asset and then lease-sell the asset to the customer. The implementation of the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract must comply with DSN-MUI fatwa Number 27 (2002) concerning Ijarah Mumtahiya Bit-Tamlik (IMBT), which states that the transfer of ownership, either by sale or gift, is carried out after the ijarah period ends
Influence of Sophisticated Accounting Systems On Transaction Expansion In Islamic Financial Institutions During The Digital Era Wahyudhi, Imam; Syarif, Siti Alwya
Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Vol 5 No 1 (2025): Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) - Maret 2025
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/jimpa.v5i1.462

Abstract

The rapid advancement of technology in the modern era has fundamentally transformed various sectors, including Islamic banking. The integration of digital accounting applications has become a key element in enhancing operational efficiency and transaction growth while ensuring compliance with Sharia principles. This study explores the role of accounting applications in driving transaction growth in Islamic banking, focusing on their contributions to strengthening Sharia compliance, operational efficiency, customer satisfaction, and risk mitigation. The research employs a qualitative approach through semi-structured interviews with key stakeholders, including financial managers, IT professionals, and Sharia compliance officers. Document analysis, such as reviewing financial reports and compliance-related documents, was also conducted to support the findings. The results reveal that accounting applications offer significant benefits, including reducing human errors, improving accuracy, and enhancing transparency in financial processes. Furthermore, these applications enable innovation in Islamic financial products, support operational expansion, and ensure compliance with Islamic law in every transaction. For instance, features such as automated financial reporting and real-time monitoring are highly effective in detecting potential Sharia violations at an early stage. Thus, accounting applications not only serve as technical tools but also as strategic assets that facilitate sustainable growth and competitiveness for Islamic banking in the digital era.
Development of Learning Tools: Parscel Application in Accounting Course Syarifudin, Moh.; Wahyudhi, Imam; Alwya Syarif, Siti
Edukasi Islami: Jurnal Pendidikan Islam Vol. 12 No. 04 (2023): Edukasi Islami: Jurnal Pendidikan Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30868/ei.v12i04.6573

Abstract

The issues faced by students at IAIN Fattahul Muluk Papua in Shariah academic learning include low grades in courses containing materials on Shariah contract calculations, such as Islamic financial accounting and banking practices, due to the diverse nature of Shariah contracts. The research employed the ADDIE development model for its design. In the development phase, the sustainability aspect of the application takes center stage. Interactive features, particularly in the Shariah contract calculator menu, serve as key elements to ensure user engagement. The integration of multimedia elements, including video tutorials and calculation simulations, enriches the learning experience. During the evaluation phase, updates based on user feedback are implemented to address potential shortcomings, supporting the transformation of the Parscel Application into an effective Shariah academic learning resource. In the context of instructional media feasibility, involving respondents from various backgrounds, including students, enhances the representativeness of evaluation results. Strengthening evaluation aspects, such as incorporating feedback mechanisms in each module, is implemented to enhance understanding of Shariah contract concepts. With this approach, the Parscel Application continues to be enhanced in accordance with quality standards and student learning needs
Co-Authors Alwya Syarif, Siti Irawan, Agus Wahyu Khoir, Misbahul Syarif, Siti Alwya Syarifudin, Moh.