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All Journal Journal of Shariah Economics Journal of Islamic Banking
Moh Agus Sifa'
Universitas Al-Hikmah Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Implementasi Fatwa DSN-MUI Tahun 2002 Tentang Rahn Dalam Layanan Pegadaian Syariah Tuban: Telaah Terhadap Penerapan Biaya Mu’nah Moh Agus Sifa'; Ahmad Syakur
JOURNAL OF SHARIA ECONOMICS Vol. 7 No. 1 (2025): Jounal of Sharia Economics
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jse.v7i1.1026

Abstract

This study examines the implementation of the 2002 DSN-MUI Fatwa on Rahn in Pegadaian Syariah Tuban services, focusing on the application of mu'nah fees. This study aims to understand how Pegadaian Syariah Tuban applies sharia principles in Rahn services and how mu'nah fees are determined and charged to customers. The results of the study indicate that Pegadaian Syariah Tuban has implemented Rahn in accordance with sharia principles and the provisions of the DSN-MUI Fatwa, with mu'nah fees charged to customers based on the estimated value of marhun. This study contributes to the understanding of the implementation of sharia principles in sharia financial services and can be a reference for practitioners and researchers in the field of sharia finance
Restrukturisasi Produk Pembiayaan Musharakah Mutanaqishah Di Bank Syariah Indonesia Dalam Etika Manajemen Koperasi Berbasis Syariah Moh Agus Sifa'; Shelvyna Rikantasari
Journal of Islamic Banking Vol. 5 No. 2 (2024): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v5i2.1024

Abstract

This study aims to examine the implementation of the restructuring of the musharakah mutana>qishah financing product at Bank Syariah Indonesia (BSI) Bojonegoro Branch from the perspective of Islamic economic law and to assess its compliance with Islamic principles in cooperative management. The method used is qualitative with a field study approach through interviews with internal BSI parties and financing customers. The results of the study indicate that the implementation of the musharakah mutanaqishah contract at BSI Bojonegoro Branch experienced a contract engineering (hilah), where the object of the transaction is an asset that was previously fully owned by the customer. This practice is not entirely in accordance with the original characteristics of the musharakah contract, and is more like a 'inah sale and purchase scheme according to the perspective of muamalah fiqh. In the context of Islamic economic law, the transaction can be considered valid if it meets the pillars and conditions of sale and purchase, as explained in the view of the Syafi'iyah school. This study recommends BSI to review the implementation of contracts to maintain sharia integrity in financing products and encourage innovation that is oriented towards the benefit and justice for all parties.
Strategi Manajemen Sumber Daya Manusia Berbasis Syariah untuk Meningkatkan Kinerja Karyawan di Lembaga Keuangan Syariah dalam Perspektif Al-Quran Moh Agus Sifa'; Heri Kuncoro Putro; M. Mun'im
Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v6i1.1025

Abstract

This article discusses sharia-based human resource management (HR) strategies which aim to improve employee performance in sharia financial institutions. Implementing HR management in accordance with Islamic principles is not only important for sharia compliance, but also for creating an ethical and productive work environment. Through analysis of various strategic elements, including recruitment and selection, training and development, performance appraisal, reward systems, and leadership, this article highlights the importance of integrating sharia values ​​in every aspect of HR management. By referring to verses of the Koran, such as QS. An-Nisa [4]: ​​58 which emphasizes trust and justice, QS. Al-Baqarah [2]: 261 which describes blessings in work, as well as QS. Al-Mulk [67]: 15 which encourages good work ethics, this article shows that the application of these principles can produce employees who are not only competent, but also have integrity. This research implies that sharia-based HR management strategies can make a significant contribution to the performance of sharia financial institutions, as well as their reputation in society.
Manajemen Resiko Pembiayaan Bank Syariah Indonesia : Tantangan dan Solusi Heri Kuncoro Putro; Andriani .; Moh Agus Sifa'
Journal of Islamic Banking Vol. 6 No. 1 (2025): Journal of Islamic Banking
Publisher : Prodi Perbankan Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Al Hikmah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35896/jib.v6i1.1027

Abstract

Risk management in Islamic financial institutions should be a primary concern. Good risk management can help Islamic banks to identify, measure, manage, and control the risks faced. The study aims to find out more about the challenges faced and the solutions implemented by financial institutions, especially Islamic banking. The research method uses a descriptive qualitative method with data collection through case studies, literature reviews, observations and interviews with related parties. The results of the study show the challenges faced by Islamic banking in risk management in the form of: technology risk, digital security risk, liquidity risk and risk of compliance with Islamic financial principles. Solutions are needed to address the challenges faced, namely, first, implementing the Basel III standard risk management framework, AAOIFI standards and the specific needs of the Islamic fintech ecosystem. Second, providing training and educating human resources.
Co-Authors Ahmad Syakur Andriani . Heri Kuncoro Putro M. Mun'im Shelvyna Rikantasari