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All Journal Mutanaqishah: Journal of Islamic Banking EKOBIS SYARIAH I-PHILANTHROPY: A Research Journal on Management of Zakat and Waqf
Ayumiati
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Library & Information Science Social Sciences

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Issuance of Bank Guarantees to Construction Service Providers at Islamic Banks Muksal; Ayumiati; Ilham Fachreza
Mutanaqishah: Journal of Islamic Banking Vol. 3 No. 2 (2023): December 2023
Publisher : Department of Islamic Banking

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/mutanaqishah.v3i2.1412

Abstract

Bank guarantees are one of the products issued by banks in the field of product offerings that provide guidance on activities that will be carried out to achieve a company's marketing objectives. The aim of this research is to determine the suitability of bank guarantee products with adjustments to sharia and the principles of sharia rules. This research uses a descriptive qualitative approach while data collection uses observation, interviews and documentation methods. The research results found that the implementation of bank guarantees at Bank Aceh Syariah, Meulaboh branch, principles are based on sharia and do not conflict with sharia, starting from product offerings, issuance and settlement of bank guarantees. The position and role of Bank Aceh Syariah in relation to bank guarantees is as the issuer of bank guarantees and guarantors. If a claim occurs, Bank Aceh Syariah must cash the bank guarantee. So claims for payment of the Aceh Syariah Bank guarantee can only be submitted by the holder of the Aceh Syariah Bank guarantee document if it does not exceed the time period specified at the beginning of the agreement stated in the bank guarantee. Bank garansi adalah salah satu produk yang di keluarkan oleh bank di bidang penawaran produk yang memberikan panduan tentang kegiatan yang akan di jalankan untuk dapat tercapainya tujuan pemasaran suatu perusahaan. Tujuan penelitian ini untuk mengetahui kesesuaian produk bank garansi dengan penyesuaian dengan syariah dan prinsip-prinsip dalam aturan syariah. Penelitian ini menggunakan pendekatan kualitatif deskriptif sedangkan pengumpulan data dengan metode observasi, wawancara dan dokumentasi. Hasil Penelitian menemukan bahwa penerapan bank garansi di Bank Aceh Syariah cabang Meulaboh sudah sesuai dengan prinsip yang berlandaskan syariah dan tidak bertentangan dengan syariah mulai dari penawaran produk, penerbitan dan penyelesaian bank garansi.kedudukan dan peran Bank Aceh Syariah terhadap bank garansi adalah sebagai penerbit bank garansi dan penjamin. Apabila terjadi klaim maka Bank Aceh Syariah harus mencairkan bank garansi. Sehingga klaim pembayaran jaminan Bank Aceh Syariah yang hanya dapat diajukan oleh pihak pemegang warkat jaminan Bank Aceh Syariah apabila tidak melebihi jangka waktu yang telah ditetapkan pada awal perjanjian yang tercantum pada bank garansi.
Philanthropy of Zakat for Santri Education Scholarship Program Desiana, Rina; Ayumiati; Puan Maharani
Jurnal I-Philanthropy Vol 5 No 2 (2025): I-PHILANTHROPY:A Research Journal On Management Of Zakat and Waqf
Publisher : Prodi Manajemen Zakat dan Wakaf Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/iphi.v5i2.30602

Abstract

Zakat philanthropy plays an important role in alternative financing in Islamic educational institutions. This research aims to analyze the implementation and impact of zakat distribution for the scholarship program for Islamic boarding school students in Simeulue Regency. The research method used is qualitative, where data is obtained from interviews with informants consisting of the main informant from Baitul Mal Simeulue and 10 key informants who are zakat recipients from the program. The research results explain that the scholarship program helps alleviate the economic burden on parents and provides motivation for students to continue their education to a higher level. In terms of socio-economic impact, this program contributes to improving the quality of life for the beneficiaries and helps them rise above the poverty line. In addition, the existence of regular coaching and the implementation of a reward and punishment system for scholarship recipients encourages beneficiaries to maintain and improve their academic performance. This research can serve as a reference for the Zakat Management Organization in the management of zakat for education.
Determinan Literasi Keuangan dan Pendapatan Masyarakat Terhadap Keputusan Investasi Emas Digital di BSI KCP Teuku Umar Banda Aceh Marzati, Shafia; Ayumiati; Akmal Riza
EKOBIS Syariah Vol. 9 No. 2 (2025): Advancing Islamic Economic Ecosystems: Strategies for Sustainable Finance, Digi
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v9i2.32314

Abstract

Digital gold investment in Indonesia has experienced rapid growth, especially through sharia banking products such as BSI E-Mas, which offer convenience, security, and compliance with sharia principles. However, financial literacy gaps remain a major challenge influencing the community's investment decisions. This study aims to examine the influence of financial literacy and income on digital gold investment decisions among BSI KCP Teuku Umar Banda Aceh customers. The method used is a quantitative approach with 30 respondents selected by random sampling, and data was collected through questionnaires and analyzed using multiple linear regression to test the influence between variables. The results show that financial literacy has a positive and significant effect on digital gold investment decisions, while the effect of income is not significant partially. Simultaneously, financial literacy and income jointly influence investment decisions, contributing 47.1%. These findings emphasize the importance of improving sharia financial literacy to support rational and safe investment decision-making based on digital platforms while optimizing the potential of digital gold as a halal investment instrument that meets the needs of modern society
Co-Authors Akmal Riza Ilham Fachreza marzati, shafia Muksal Muksal Puan Maharani Rina Desiana