Sadiyah, Mahmudatus
Universitas Islam Nahdlatul Ulama Jepara

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PENGEMBANGAN PRODUK-PRODUK LEMBAGA KEUANGAN MIKRO SYARIAH Sa'diyah, Mahmudatus; Arifin, Meuthiya Athifa
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i1.717

Abstract

Islamic microfinance institutions is one of the pillars in the financial intermediation process. Microfinance is needed by small and medium-sized communities both for consumption and production, and also save the results of their efforts. This study aims to determine the theoretical foundations associated with the development of products Islamic microfinance institutions. The results showed that the development of products LKMS through enterprise planning process to determine the market demand, establish a strategic decision in the formation of products, improve the product, even to innovate new products as an effort to improve the quality of services and products LKMS services. Through Islamic principles in product development stage, the products can provide variation LKMS lawful and good for the benefit of society in general. Efforts related to the development of performance management products generate LKMS lead to the implementation of activities in the form of an increase in the product. It is as a form of improving managerial quality in LKMS.Keywords: Product Development and Microfinance Institutions ShariaLembaga keuangan mikro syariah merupakan salah satu pilar dalam proses intermediasi keuangan. Keuangan mikro dibutuhkan oleh kelompok masyarakat kecil dan menengah baik untuk konsumsi maupun produksi serta juga menyimpan hasil usaha mereka. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait dengan pengembangan produk-produk lembaga keuangan mikro syariah. Hasil penelitian menunjukkan bahwa pengembangan produk-produk LKMS melalui proses perencanaan perusahaan untuk mengetahui keinginan pasar, menetapkan keputusan yang strategis dalam pembentukan produk, memperbaiki produk, bahkan membuat inovasi produk-produk baru sebagai upaya peningkatan kualitas layanan dan produk jasa LKMS. Melalui prinsip syariah pada tahapan pengembangan produknya, maka produk-produk LKMS dapat memberikan variasi yang halal dan baik untuk kemaslahatan masyarakat secara umum. Upaya yang berkaitan dengan pengembangan produk menghasilkan kinerja manajemen LKMS mengarah pada pelaksanaan kegiatan berupa peningkatan produk. Hal ini sebagai wujud meningkatkan kualitas manajerial di LKMS. Kata Kunci: Pengembangan Produk dan Lembaga Keuangan Mikro Syariah
MUDHARABAH DALAM FIQIH DAN PERBANKAN SYARI’AH Sa'diyah, Mahmudatus; Arifin, Meuthiya Athifa
EQUILIBRIUM Vol 1, No 2 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i2.215

Abstract

This research intends to know the theoretical foundations related mudharabah in jurisprudence and Shariah banking. The method used in this research is to study literature. The results showed that mudharabah is a contract between two parties whereby one party called rab al-mal (investors) entrusts money to the second party, called mudharib, for the purpose of running a trading business. Mudharabah contract has no basis in the Qur’an and Sunnah, the contract has been used to run a trade by the early generations of Muslims. Mudharabah contract is very different with the syariah bank mudharabah contract as generally described by maszhab-schools of fiqh, or as envisaged by the Shariah bank as a theoretical model of joint venture capital financing, or financing for industrial development.
MUSYARAKAH DALAM FIQIH DAN PERBANKAN SYARIAH Sa'diyah, Mahmudatus; Aziroh, Nur
EQUILIBRIUM Vol 2, No 2 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i2.727

Abstract

The Practice of Musharaka in Islamic banking are difference from Musharaka in jurisprudence perspective. This can be seen from the elements of capital, management, duration of the contract, warranty, and profit sharing. This study aims to determine the theoretical foundations associated Musharaka in jurisprudence and Islamic banking. The results showed that the Musharaka in Islamic banking has not been implemented in accordance with the Islamic jurisprudence, where there are elements of usury, namely the determination of the nominal money to be deposited is determined at the beginning even though not yet know whether the work done customer experience gains or losses, as well as the persistence of guarantees in musharaka contract, other than that if the work done there is a loss of customers, the loss is only borne by the customer only.Praktik musyarakah di perbankan syariah berbeda dengan musyarakah perspektif fiqih. Hal tersebut dapat dilihat dari unsur modal, manajemen, masa berlakunya kontrak, jaminan, dan bagi hasil. Penelitian ini bertujuan untuk mengetahui dasar-dasar teori yang terkait musyarakah dalam fiqih dan perbankan syariah. Hasil penelitian menunjukkan bahwa musyarakah yang dilaksanakan di perbankan syariah belum sesuai dengan kosep fiqih, di mana masih ada unsur riba, yaitu dalam penetapan nominal uang yang harus disetorkan ditentukan di awal padahal belum mengetahui apakah usaha yang dilakukan nasabah mengalami keuntungan atau kerugian, serta masih adanya jaminan dalam akad musyarakah, selain itu apabila usaha yang dilakukan nasabah terjadi kerugian maka kerugian hanya ditanggung oleh nasabah saja.Kata Kunci: Musyarakah, Fiqh  dan Perbankan Syariah
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT KEPERCAYAAN NASABAH MUSLIM PENGGUNA MOBILE BANKING DI BANK MUAMALAT INDONESIA 118 KANTOR CABANG PEMBANTU KUDUS Sa'diyah, Mahmudatus; Aziroh, Nur
EQUILIBRIUM Vol 1, No 1 (2013): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v1i1.202

Abstract

This research intends to know the factors that influence the level of customer confidence Muslims mobile banking users in Bank Muamalat Indonesia Holy Branch Office. The sample in this study amounted to 160, which is a mobile banking users in Bank Muamalat Indonesia Holy KCP. Statistical tool used is Structural Equation Modeling (SEM). Data were analyzed using statistical software AMOS 16.0. The results of this study indicate that shared value is a factor that affects customer confidence in mobile banking users, while the communication has not been able to increase customer confidence in mobile banking users and opportunistic behaviors control has not been able to increase the confidence of users of mobile banking.
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

Show Abstract | Download Original | Original Source | Check in Google Scholar

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.