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PENYELESAIAN SENGKETA PENGIKATAN AGUNAN PADA PEMBIAYAAN MURABAHAH DI BANK SYARIAH Mulyaningsih Jamhur; Rully Trihantana
NISBAH: Jurnal Perbanka Syariah Vol. 3 No. 1 (2017): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2108.751 KB) | DOI: 10.30997/jn.v3i1.781

Abstract

Pengikatan agunan merupakan upaya perbankan syariah mengendalikan risiko apabila terjadi wan prestasi atas pembiayaan yang disalurkan, serta bertujuan agar agunan yang disertakan dalam permohonan pembiayaan memiliki kekuatan hukum. Tujuan yang ingin dicapai adalah untuk mengetahui bagaimana proses bank syarah melakukan pengikatan agunan serta cara penyelesaian sengketa pengikatan agunan secara litigasi dan non litogasi pada pembiayaan murabahah dibank syariah. Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif, data primer pada penelitian ini berasal dari wawancara, observasi dan studi dokumentasi dari Manual Produk Operation Bank Syariah Mandiri. Data sekunder berasal dari dokumen, jurnal, peraturan perundang-undangan, dan referensi-referensi lain yang mendukung dalam pembahasan penelitian. Berdasarkan hasil penelitian diketahui jenis pengikatan agunan di Bank Syariah Mandiri dilakukan dengan pengikatan jaminan Fidusia, Akta Pemberian Hak Tanggungan (APHT) dan Surat Kuasa Membebankan Hak Tanggungan (SKMHT) melalui Micro Administration/ Administration Financing Operation (AFO). Diketahui Bank Syariah Mandiri telah memperjanjikan penyelesaian sengketa diantara para pihak dengan cara non litigasi, sesuai dengan Undang-undang Nomor 21 Pasal 55 Tahun 2008 tentang Perbankan Syariah.
PERAN SERTA DAN MEKANISME BANK SYARIAH PADA PEMBIAYAAN SINDIKASI DI BANK SYARIAH MANDIRI PUSAT Mardiana Yose; Rully Trihantana
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 3 No. 2 (2017): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1088.252 KB) | DOI: 10.30997/jn.v3i2.814

Abstract

Tujuan penelitian ini untuk mengetahui peranan bank syariah pada pembiayaan sindikasi serta mengetahui bagaimana mekanisme sindikasi di BSM. Metode yang digunakan yaitu deskriptif kualitatif. Data primer pada penelitian ini berupa dokumen-dokumen terkait pembiayaan sindikasi, sedangkan untuk data sekunder berupa informasi yang diperoleh dari internet, buku, jurnal, artikel, dan literatur lainnya. Berdasarkan hasil penelitian, disimpulkan bahwa peran serta bank syariah pada pembiayaan sindikasi tidak hanya untuk meningkatkan asset perbankan syariah saja, melainkan untuk menjaga likuiditas dan ikut berkontribusi dalam pembangunan nasional di Indonesia. Hal tersebut mengharuskan bank syariah meningkatkan prudential banking dalam memberikan pembiayaan sindikasi dengan cara menerapkan mekanisme sindikasi dengan proses analisa yang mendalam agar pembiayaan yang disalurkan dapat kembali dengan aman
STRATEGI MANAJEMEN GAP PADA BPRS AMANAH UMMAH CABANG CICURUG SUKABUMI Langling Yunia Dewi; Rully Trihantana
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 3 No. 2 (2017): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (610.329 KB) | DOI: 10.30997/jn.v3i2.816

Abstract

Tujuan penelitian ini untuk mengetahui strategi manajemen gap agar likuiditas bank tetap terjaga. Metode yang digunakan dalam penelitian ini adalah deskriptif kualitatif yang terdiri dari data primer dan data sekunder. Data primer berasal dari hasil wawancara dan studi dokumentasi, sedangkan data sekunder berasal dari jurnal, buku dan referensi lain yang terkait dengan penelitian ini. Hasil penelitian ini terdapat lima strategi yang menjelaskan mengenai manajemen gap, strategi-strategi tersebut diantaranya strategi manajemen likuiditas, strategi manajemen sumber dana (penghimpunan dana), strategi penggunaan dana (penyaluran dana), strategi perputaran aset (jangka waktu aset) dan strategi penetapan imbal hasil. Strategi manajemen gap yang dilakukan BPRS Amanah Ummah sudah dilakukan dengan baik. Tingkat penilaian rasio keuangan yang sehat, aset yang digunakan untuk pembiayaan yang produktif sehingga memperoleh keuntungan dan setiap tahun asetnya meningkat. Tingkat gap atau kesenjangan dapat diatasi dan diimbangi dengan baik oleh aset dan liabilitasnya. Penanganan risiko pun dilakukan dengan baik, sehingga dapat meminimalisir tingkat NPF (Non Performing Finance) pada nasabah pembiayaan hanya sebesar 1.67%.
IMPLEMENTASI ASSET PROTECTION LENDING RATIONALE PADA PEMBIAYAAN KORPORASI DI BANK SYARIAH STUDI BANK SYARIAH MANDIRI Rani Alfiani; Rully Trihantana; T Rifqy Thantawi
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 4 No. 1 (2018): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (649.849 KB) | DOI: 10.30997/jn.v4i1.843

Abstract

Penilaian terhadap calon debitur pada dasarnya dilakukan tidak hanya terhadap calon debitur Asset Protection Lending Rationale (APLR) merupakan penilaian bank syariah terhadap kapasitas calon debitur terhadap pembiayaan korporasi yang bersifat permanen yang akan diberikan pembiayaan korporasi saja namun dilakukan pada seluruh pembiayaan yang diajukan debitur pada bank karena merupakan cara yang dilakukan bank syariah dalam menerapkan manajemen risiko pembiayaan. APLR dilakukan berdasarkan sistem analisis yang sama pada umumnya namun memiliki tingkat kompleksitas yang tinggi karena skala pembiayaan yang besar dan bersifat permanen. Metode yang digunakan dalam penelitian ini adalah penelitian yurids empiris. Hasil Akhir dari penelitian ini menjelaskan mengenai standar serta implementasi APLR pada pembiayaan Korporasi di bank syariah. Kata Kunci: Asset Protection Lending Rationale, Manajemen Risiko, Pembiayaan Korporasi
PEMBERDAYAAN USAHA KONVEKSI DAN PENGENALAN AKSES KE PEMBIAYAAN SYARIAH DI DESA GUNUNG BUNDER II, KECAMATAN PAMIJAHAN, KABUPATEN BOGOR Tasya Audina Oktavia; Rully Trihantana; Miftakhul Anwar
SAHID DEVELOPMENT JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (250.469 KB) | DOI: 10.56406/sahiddevelopmentjournal.v1i01.9

Abstract

The purpose of this service is to prevent the transmission of the COVID-19 virus and convection business empowerment to residents who will take part in posyandu activities in Gunung Bunder II village by distributing cloth masks and providing hand sanitizer. The method of implementing this activity begins with distributing cloth masks to residents who come to the posyandu who do not use masks, then giving directions to implement health rules for residents who come to the posyandu to avoid the virus. From this activity, it is hoped that the use of cloth masks and hand sanitizers as well as directives and guidance on COVID-19 can break the chain of transmission of COVID-19 and increase public awareness and vigilance against the COVID-19 virus by training them to get used to implementing health protocols. Keywords: Empowerment of Confection Business, Implementation of Health Protocol, Posyandu
PEMBERDAYAAN MASYARAKAT MELALUI PENGENALAN PEMBIAYAAN SYARIAH DI DESA CIBUNIAN, KECAMATAN PAMIJAHAN, KABUPATEN BOGOR Muhamad Djedjen Syukrilah; Rully Trihantana; Ria Kusumaningrum
SAHID DEVELOPMENT JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (152.309 KB) | DOI: 10.56406/sahiddevelopmentjournal.v1i01.11

Abstract

Abstract This research is motivated because the Community Empowerment in the Economic Sector is not yet optimal by the Cibunian Village Government. the low level of the village government's ability to empower the community, as well as the low level of awareness of the village government towards the economic condition of the community. The research method used is descriptive qualitative. Data collection techniques used library research and field studies in the form of observations and interviews. The obstacles in economic empowerment are: (1) the limited budget for conducting training and limited knowledge from the village government (2) the lack of awareness of the people themselves who are reluctant to make comparisons to other regions, (3) the limited budget to be allocated as capital for the community members. business groups Efforts are being made to overcome these obstacles, namely: (1) designing and budgeting the village budget to be allocated to training business actors (2) providing understanding to the community, especially to business actors so that they can make comparisons to other regions in order to become an illustration of their business, (3) the village government seeks to find out the service or agency that handles making legality and immediately provides information to the community about how to make legality. Keywords: Community Empowerment, Economic Sector, Welfare and Creativity
MENINGKATKAN KESADARAN MASYARAKAT DALAM MENGHINDARI RIBA DI DESA CIBUNIAN, KECAMATAN PAMIJAHAN, KABUPATEN BOGOR Geopani Abad; Rully Trihantana; Ria Kusumaningrum
SAHID DEVELOPMENT JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (452.285 KB) | DOI: 10.56406/sahiddevelopmentjournal.v1i01.15

Abstract

Abstract Nowadays, there are lots of people and housewives doing both debt and sale and purchase transactions without regard to usury. This was experienced by residents of West RW 03 Bogor, especially housewives in the transaction. Through community service, student of Institute Agama Islam Sahi Bogor (INAIS) made observations, interviews and socialization regarding usury and bank interest as well as solutions to avoid usury in the People’s Cibuninian, Pamijahan, Kabupaten Bogor. Indonesian people need to know the Islamic banking system where usury can be avoided there. The purpose of this community service was trying to educate the community especially people in the religious community such as People’s RW 03 Cibunian so that they can avoid usury, with a direct material exposure approach to the public. Hopefully, they could understand about usury on conventional bank interest and switch to the Islamic prescribed system. Results of this community service indicated that people in the People’s cibunian became more aware of usury and its types, and began to switch from the conventional financial system which is vulnerable to usury to the Islamic financial system, through opening an account at an Islamic bank as one of one solution to avoid usury. Keywords: Public Awareness, Riba, Sharia Banking Socialization
PENGENALAN AKSES KE PERBANKAN SYARIAH MELALUI EDUKASI HIDROPONIK DAN AQUAPONIK UNTUK MASYARAKAT PERKOTAAN DI DESA CINTAMANIK, KECAMATAN CIGUDEG, KABUPATEN BOGOR Irpan Maulana; Rully Trihantana; Ria Kusumaningrum
SAHID DEVELOPMENT JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (423.987 KB) | DOI: 10.56406/sahiddevelopmentjournal.v1i01.17

Abstract

Abstract Indonesia is one of countries affected by the pandemic of Covid-19. All aspects of prevention and countermeasures have been carried out by various parties around the world regarding the pandemic that has occurred from March 2020 to the present. The agricultural sector is of concern because it has an important role and is closely related to national food security, as well as the supporting sector tostrengthen Indonesia economy, particularly in such condition. Agriculture also can offer a solution to avoid food crises. One of the activities is to diversify food and not rely entirely on the amount of food in the market. This activity attempts to utilized limited area available in the city, thus it becomes more productive especially during pandemic. The hydroponic and aquaponic system of agricultural cultivation technology provides an alternative to be used as an adequate source of income and can meet family food needs. This technique can be carried out by people who live both in rural and urban areas which is not required a wide space. This activity can strengthen family food security as well asn become additional income or even the main income of the family. Keywords: aquaponic, food security hidroponic
PENGENALAN PERBANKAN SYARIAH SEBAGAI UPAYA MEWUJUDKAN KETAHANAN MASYARAKAT DI MASA PANDEMI COVID-19 DI KAMPUNG CENGAL, DESA KARACAK, KECAMATAN LEUWILIANG, KABUPATEN BOGOR M. Reza Nurapriajul; Rully Trihantana; Ria Kusumaningrum
SAHID DEVELOPMENT JOURNAL Vol 1 No 01 (2021): Oktober 2021
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (342.552 KB) | DOI: 10.56406/sahiddevelopmentjournal.v1i01.18

Abstract

Abstract The organizer of the community development at the Sahid Islamic Institute of Bogor in 2020 is in the Covid-19 situation that has hit the whole world. The work program carried out by community development is adjusted to the current guidelines. The program is to support the government in breaking the chain of spread of Covid-19, the most important thing is educating the public about the dangers of Covid-19 and running a new life in the new normal era. Especially in Cengal Village, Leuwiliang District, The activity uses the community education method which consists of the stages of initial observation and socialitation, program preparation, program implementation, and evaluation. The results of the evaluation show that the CSP program contributes to increasing public understanding of the Coronavirus, awareness to implement health protocols, productive economic activities, and online learning activities during the enactment of extraordinary conditions. Keywords: Corona Virus; covid-19; pandemic; CSP; public education
MEMPROGRAMKAN AKSES PEMBIAYAAN SYARIAH BAGI USAHA MIKRO KECIL DAN MENENGAH DESA PURASEDA, KECAMATAN LEUWILIANG, BOGOR Rully Trihantana; Miftakhul Anwar; Adjriel Hedriawan
SAHID DEVELOPMENT JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Pengabdian Kepada Masyarakat Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.409 KB) | DOI: 10.56406/sahiddevelopmentjournal.v1i02.27

Abstract

Efforts in alleviating poverty can be done, among others, by breaking the chain of poverty itself,for example by providing broad access to financing sources for Micro, Small and MediumEnterprises (MSMEs) which are applied by Islamic banking and Islamic microfinance institutions.One source of funding is sharia-based banking and financial institutions. Islamic banking andSharia Microfinance Institutions (LKMS) including in this case Baitul Mal wat Tamwil (BMT)have an important role in the development of MSME actors, especially in terms of funding andbusiness capital. With this in mind, access to sharia financing was programmed for MSMEs inPuraseda Village, Leuwiliang District, Bogor.
Co-Authors Abad, Geopani Abdul Kodir Abdurrahman, Rivan Adjriel Hedriawan Alfi Ramadayanti Alfiani, Rani Amelia Oktaviani Amelia Oktaviani, Amelia Ananda, Della Rizki Anas Alhifni Andri Brawijaya Anggi Muhamad Fahrudin Anisa Rahman Anwar, Miftakhul Aprilia Bayu Purnama Bayu Purnama Putra Bayu Purnama Putra Dewi, Langling Yunia Dhea Nurfauziah Dianita, Mia Dina, Putri Mey Efendi, Ramdan Elisa Rahman Ermi Suryani Ermi Suryani Ermi Suryani Fadilah, Hafid Fajriastuti, Virda Fariz Fajar Riyadi Fariz, Muhamad Andi Fitri Nur AnggraenI Fitria Setia Rahman Fitria, Meliana Geopani Abad Harahap, Ermi Suryani Harahap, Nur Hotia Hasbi Ash Shiddieqy Hedriawan, Adjriel Hinka Lutfiah Irhamna, Wahyu Irpan Maulana Iskandar, Lina Istianah Khoeriyah Jamaludin R Jamhur, Mulyaningsih Keris Kartono Khoiri, Abdul Konita Oktaviani Lutfiyah Kusuma Tabriziah, Siti Ningrat Kusumaningrum , Ria Langling Yunia Dewi Lisdayanti, Dina Lusita Lutfiyah, Konita Oktaviani M Rofi Udin N.F. M. Reza Nurapriajul Mardiana Yose ME, Azizah Mursyidah Meizia, Revanda Shiva Melinasari, Susi Miftakhul Anwar Miftakhul Anwar Mirnawati, Siti Mohamad Kharis Mubarok Mohammad Husen Muhamad Djedjen Syukrilah Muhamad Rizal Muhammad Idris Muhammad Idris Muhammad Rifal Arrifqi MUHAMMAD RIZAL Mulniasari, Nina Mulyaningsih Jamhur Mursyidah, Azizah Muttaqin, Rizal Nadia Febtianda Nanda Suganda Nia Oktaviani Nina Mulniasari Noni Alpiani Novi Fransiska Nugraha, Gilang Pratama Nurandika Maulana Rachman Nurapriajul Kurnaen, Muhamad Reza Nurfauziah, Dhea Nurhasan, Abdul Khodir Oktavia, Tasya Audina Paramita, Metti Prasetya, Bagas Dwi Prasetya, Setiawan Bima Purnama , Bayu Putirai, Riki Putri, Febi Rahayu Rafiduddin Rahman, Elisa Rahman, Fitria Setia Ramadayanti, Alfi Ramadhan, Rian Tri Rani Alfiani Ratu Dinny Ratu Dinny Fauziah Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Ria Kusumaningrum Rivan Abdurrahman Riyadi, Fariz Fajar Sakilah, Ilah Salam Santi Nopita Sari Santika, Ika Sari, Restia Rahma Siska Afriani Siska Oktavia Siska Oktavia Siti Aliah Siti Indah Dahlia Siti Mirnawati Siti Wadiah Sofiah, Neng Siti Sofiah, Neng Siti Sri Hartati Mulya Sundari, Deoh Suryani, Ermi Susi Melinasari Sutriansyah, Mohamad Syamsiah, Yayah Syamsiar, Syamsiar Syukrilah, Muhamad Djedjen T Rifqy Thantawi Tasya Audina Oktavia Taufik Hidayatullah, Taufik Thantawi, Tubagus Rifqy Trisia Amalia Tubagus Rifky Thantawi Tubagus Rifky Thantawi Tubagus Rifqy Thantawi Tulhuda, Basit Udin N.F., M Rofi Wadiah, Siti Widi Lestari Yose, Mardiana Zulkarnaen, Muhammad Ryandika