Sadiyah, Mahmudatus
Universitas Islam Nahdlatul Ulama Jepara

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Uji Maqashid Syariah Perbankan Syariah Di Indonesia Mahmudatus Sa’diyah; Asep Gugun Gumilar; Edi Susilo
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.913 KB) | DOI: 10.29040/jiei.v7i1.1725

Abstract

The purpose of this study is to examine the performance of Islamic banking in Indonesia based on MSI (Maqashid Shariah Index). Combining the maqashid sharia Ibn Ashur and Abu Zaharah with the methodological concept developed by Sekaran (Mohammed et al., 2015). The three objectives of Maqashid Sharia: (1) Tahdhib al-Fard (Educating individuals); (2) Iqamah al-ʻAdl (establishing justice); and (3) Jalb al-Maslahah (Public Interest). Simple Additive Weighting (SAW) is used as a method for ranking the performance of Islamic banking based on the final results from MSI. The results showed 14 Islamic Commercial Banks (BUS) in 2011-2019, had an average IMS 0.1694. The IMS of five Islamic banks is below the average, namely BMS, Maybank, BTPNS, BAS, and BNTBS. IMS first rank is BPS index 0.2336, second rank is BVS index 0.2168, third rank is BSB index 0.2164, fourth rank is BCAS with index 0.2129, fifth rank is BMI with 0.183 index, sixth rank is BSM with an index of 0.1895, the seventh rank is BRIS with an index of 0.1904, the eighth is BNIS with an index of 0.1814, the ninth is BJBS 0.1759, the tenth is BMS 0.153, the eleventh is Maybank index 0.1289, the twelfth is BTPNS 0.1237 the thirteenth is BAS 0.0930, and the last fourteen is BNTBS with an index of 0.1289
Sharia Hybrid Contract Compliance of Islamic Microfinance Institutions in Jepara Regency Mahmudatus Sa’diyah; Asep Gugun Gumilar; Edi Susilo
EkBis: Jurnal Ekonomi dan Bisnis Vol 4, No 2 (2020): EkBis: Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Islam, UIN Sunan Kalijaga Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/EkBis.2020.4.2.1272

Abstract

The purpose of this study was to examine the sharia compliance of the Hybrid Contract of the Syriah Microfinance Institution (LKMS) in Jepara Regency. This type of research is a Field Research, using a content analysis approach; to interpret data not as a series of physical events, but as symbolic symptoms to reveal the meaning contained in a text, and the understanding of the message presented. The research object selected was BMT in Jepara Regency which applies contract and unique hybrid products, namely BMT Mitra Muamalah (Mitramu) which has the product "Gold Pawn" and BMT Harapan Bersama (HARBER) which has a Musyarakah Mutanaqishah (MMq) product. The results showed that the Musyarakah Mutanaqishah (MMq) financing agreement at BMT Harapan Bersama (HARBER) Jepara was in accordance with the DSN-MUI fatwa NO: 73 / DSN-MUI / XI / 2008. Rahn's contract which is run by BMT Mitra Muamalah Jepara is in accordance with the DSN-MUI Fatwa Number: 25 / DSN-MUI / III / 2002, and Fatwa DSN-MUI Number: 26 / DSN-MUI / III / 2002.. Weak internal and external supervision at Cooperative entities, the implementation of hybrid contracts in the field is prone to deviations and falling to "Riba".
Strategi penanganan Non Performing Finance (NPF) pada pembiayaan murabahah di BMT Mahmudatus Sa’diyah
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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Abstract

Murabahah financing is a product with a great demand coming from the lower-middle class because the process is very simple as merely utilizes sale-and-purchase contract backed up by the collateral. The purpose of this study is to evaluate the determinant factors of Non-Performing Finance (NPF) in BMT and its management strategies. This study uses a qualitative approach. Data collection methods used in this study are interviews, observation and documentation. Data analysis techniques used are data reduction, data display, and conclusion/verification. Based on the results of the study, it can be concluded that the determinant factors of Non-Performing Finance (NPF) in BMT are mistakes done by BMT officers when performing initial analysis and survey before giving fundings led to Non Performing Finance (NPF) in BMT. The strategy undertaken by BMT in managing Non Performing Finance (NPF) is through a family-based approach, revitalization with rescheduling, management assistance, collection agents, or settlement with the collateral.