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Musyaffa Amin Ash Shabah
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Fakultas Agama Islam Universitas Islam “45” Bekasi Jl. Cut Meutia No. 83 Bekasi 17113 Telp. (021) 8820385 Fax (021) 8801192
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Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
ISSN : 20865678     EISSN : 28078403     DOI : https://doi.org/10.33558/maslahah.v13i1
FOKUS Maslahah : Jurnal Hukum Islam dan Perbankan Syariah menekankan kajian hukum Islam dan Perbankan Syariah di negara-negara Islam pada umumnya dan khususnya di Indonesia dengan menekankan teori-teori hukum Islam dan praktiknya di dunia Islam yang berkembang melalui publikasi artikel dan resensi buku. CAKUPAN (SCOPE) Jurnal ini mengkhususkan diri dalam mempelajari teori dan praktik hukum Islam dan Ekonomi Islam di negara-negara Islam dan dimaksudkan untuk mengungkapkan penelitian asli dan isu-isu terkini. Jurnal ini menyambut hangat kontribusi para sarjana dari bidang terkait yang mempertimbangkan topik umum berikut; Hukum Keluarga Islam Hukum Ekonomi Syariah Hukum Bisnis Syariah Hukum Pidana Islam Hukum Tata Negara Islam Hukum Zakat dan Wakaf Hukum Antropologi Hukum Sosiologi Pemikiran Hukum Islam Kontemporer
Arjuna Subject : Umum - Umum
Articles 278 Documents
Pengaruh Program Pelatihan Dan Pengembangan Sumber Daya Manusia Terhadap Peningkatan Kemampuan dan Kinerja Karyawan PT. Bank Syariah Mandiri Retnilasari, Elsa; Putra, Purnama
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 2 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i2.2753

Abstract

The Effect of Training and Human Resources Development Programs on the Improvement of theCapability and Performance of the Employees of PT. Bank Syariah Mandiri. The purpose of this studywas to analyze how much influence the variables of the training and development program on thevariable of employee capacity improvement partially or individually and which variable had the mostinfluence on PT. Bank Syariah Mandiri, to analyze how much influence the training and developmentprogram variables have on the combined ability of employees at PT. Bank Syariah Mandiri, to analyzehow much influence the training, development and capacity improvement variables have on employeeperformance variables at PT. Bank Syariah Mandiri, to analyze how much influence the trainingand development variables have on employee performance variables through capacity building atPT. Bank Syariah Mandiri. This type of research is a quantitative descriptive study with a two-pathequation approach. The object of research chosen in this study is PT. Bank Syariah Mandiri. The typeof data used is primary and secondary data. Data collection techniques are done by questionnaire andobservation. The instrument used in this study was the Likert scale. The research variables use theconcept of independent variables namely training and development and the concept of the dependentvariable is the increase in employee ability and performance. The results of this study indicate thatthe training and development variables partially or individually to increase ability have a significanteffect. Of the two variables, the biggest influence is the development variable. The training anddevelopment variables combined to increase ability have a significant effect. And the influence of othervariables outside the model is 0.561. On the training variable, development, combined capabilityimprovement on employee performance has a significant effect. And the influence of other variablesoutside the model is 0.258.
Analisis Pengungkapan Corporate Social Responsibility Bank Syariah di Indonesia Berdasarkan Islamic Sosial Reporting Index Malikhatun, Irna; Rahmawati, Rafika
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 2 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i2.2754

Abstract

This study aims to analyze the effect of Corporate Social Responsibility (CSR) for IslamicCommercial Banks using the Islamic Social Reporting Index (ISR) method. The research period usedis 2016-2019. This study uses a quantitative approach. The research population includes all IslamicCommercial Banks (BUS) that publish Annual Reports on their respective websites during the 2016-2019 period. The sample was determined by purposive sampling and obtained 13 Islamic CommercialBanks. The results of this study indicate that of the 13 Islamic Commercial Banks disclosed during2016-2019 that each bank has a different level of disclosure. Bank Mumalat Indonesia and BankSyariah Mandiri received the title Very Informative while Bank Panin Dubai Syariah, Bank AcehSyariah, BNI Syariah, BRI Syariah, BCA Syariah, Mega Syariah, BJB Syariah produced Informativepredicate. Meanwhile, BTPN Syariah, Bukopin Syariah, Bank Net Syariah and Bank Victoria Syariahreceived the title of Less Informative.
Analisis Manajemen Risiko Pembiayaan Murabahah di PT BPRS Artha Madani Kantor Pusat Bekasi Fawziyah, Zahrina Wardatul; -, Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 10 No 2 (2019): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v10i2.2755

Abstract

Risk management is an important effort that must be made by Islamic Banking to minimize risk.This research is a qualitative research and the methods used are interviews, documentation, andobservation. The research objective was to determine the types of risks in murabahah financing andthe strategy of PT. BPRS Artha Madani in overcoming these risks and to find out the analysis of theimplementation of risk management strategies carried out by PT. BPRS Artha Madani Head OfficeBekasi.Based on the results of the study it is known that the risk management strategy analysis of PT.BPRS Artha Madani using Bank Indonesia Regulation No. 13/23/PBI/2011 and 5 C principles consistof Character, Capacity, Capital, Collateral and Condition of Economy. However, despite implementingthe risk management strategy, banks continue to experience risks, namely in the form of: credit risk(in Islamic banks called as financing risk), operational risk and legal risk due to bank internal factorsin analyzing and external factors from customers.. PT. BPRS Artha Madani in resolving troubledfinancing with intensive billing, reprimand to customers if they do not fulfill their obligations, make arestructuring by rescheduling, reconditioning and restructuring if the financing can still be normalized.However, if there is no hope and the Customer is not able to, then the solution is guaranteed that canbe auctioned through litigation or non-litigation channels.
Analisis Kemaslahatan Pada Putusan MA Tentang Wasiat Waji>Bah Dalam Pemberian Hak Waris Bagi Non Muslim (Studi Analisis Pada Putusan MA No. 51.K/AG/1999) Chairunnisa, Faradilla; Supriyanto, Agus
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2756

Abstract

The objectives of this study are as follows, (1) To find out the legal position wasiat waji>bahin the distribution of inheritance for non-Muslims; (2) To find out the reasons behind the decisionMahkamah Agung in deciding inheritance rights for non-Muslims in the form wasiat waji>bah;and (3) To analyze the benefit of the Verdict Mah-kamah Agung No.51.K/AG/1999. The method usedin this research is the Inductive method, which is in the form of drawing general conclusions or abasic knowledge of specific matters. That is, from the existing facts a conclusion can be drawn. Thistype of research is library research or library research. This research is descriptive and maslahahanalysis. The conclusion of this study, first, the legal position of wills in giving inheritance for non-Muslims in KHI does not mention that a person is prevented from becoming an heir due to religiousdifferences. Non-Muslim heirs in Islamic law are located outside the heirs who have the right toreceive an inheritance, because religious differences become an obstacle to obtaining inheritancerights. The Hanafiyah Ulama viewed the will to non-Muslim heirs as valid and the jurists agreed thatthe testament to the Muslim ghair ahl al-dzimmah was permissible. Therefore, granting inheritancerights to non-Muslims in the form of a compulsory will is legal because religious differences do notbecome a barrier to the validity of a will. Second, in its decision, the Panel of Judges gave reasons forgranting inheritance rights to non-Muslims through a mandatory will without questioning the religionof the heirs by stating that non-Muslim heirs have the right to receive inheritance with the sameproportion as religious heirs. Islam from the inheritance left by the heirs. Third, the researcher foundthat there was a problem in the Supreme Court decision no. 51.K / AG / 1999. First, the existence ofmas} lah} ah according to syara ‘belongs to al-Mas} lah} ah al-Mursalah. Second, the level of needbased on the priority of use is included in the Maslahah Daruriyat aimed at maintaining the purposesof Islamic law (Maqasid al-Syari’ah) and avoiding damage. Third, the content of the maslahah orwhich priority should take precedence is included in the Maslahah al-Ammah. Fourth, change an as afixed or changing limitation, including in Maslahah al-Mutaghayyirah and Fifth, there is a principleof Justice.
Tinjauan Hukum Islam Terhadap Penerapan Hukum Waris Adat Di Desa Margajaya Kecamatan Lemahsugih Kabupaten Majalengka Nurmilasari, Devi; Hambali, Yoyo
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2757

Abstract

The application of inheritance law in the indigenous people of Margajaya, Lemahsugih Subdistrict,Majalengka Regency, which basically still adheres to the customs and traditions that they follow fromtheir ancestors. The inheritance system used in Margajaya customary inheritance uses the Parentalsystem, in which the father and mother are equally strong, in terms of distribution and application ofinheritance to the Margajaya customarycommunity. This type of research is Field Research, and themethod uses the Mix Methods method. Namely a research method by combining qualitative researchmethods with quantitative research in a research activity, so that more comprehensive, valid, reliableand objective data will be obtained. The data used in this study are primary data obtained frominterviews and documentation while secondary data is obtained from Liberal Research. The samplestaken in this study were the followers of Packu, Akur and Segendong Sepikul, while for the populationthey were more inclined towards the customary tradition, namely Akur. In data collection techniques,researchers used interview data, observation and documentation. And for the Data Analysis Techniquein its stages, observation, editing, classification, re-verification, analysis and drawing conclusions.The results of the study found that indigenous wans in Margajaya village are using parental customarylaw which is only focused on children and adopted children. The share of the heir’s parents only as agift for his parents, is not included in the wansan. The distribution of the wansan property was oftenpostponed by reason of using the children until they got married. The factor behind the occurrenceof this interview is the lack of knowledge of Islamic legal rights. The implementation of the law thatoccurs in Margajaya village, when viewed from Islamic law, is basically not in accordance withIslamic law. Things like this are considered normal and common in Margajaya society because it is atradition from generation to generation and their ancestors. The custom that is used by the communityin the distribution of inheritance cannot be used as a legal benchmark because it is against Nash, eventhough the purpose of an inheritance is carried out in accordance with Maqasıd Al Syan ah, namelyjustice, it is still not acceptable to Islam
Analisis Jalur Pengaruh Kualitas Pelayanan dan Citra Perusahaan Terhadap Loyalitas Nasabah Melalui Kepuasan Nasabah Sebagai Variabel Intervening di Bank BNI Syariah Fauzi, Fitriah; Putra, Purnama
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2758

Abstract

Service quality is the level of excellence expected and control over that excellence is to fulfillcustomer desires. In the service industry such as Islamic banking, service has an important role ingenerating a sense of satisfaction for customers. Customer satisfaction is related to what is expressedby customers about their perceptions and expectations of the services obtained. Customer satisfactioncan also create long-term customer trust that makes customers loyal to the company. This study aimsto analyze the effect of service quality and corporate image on loyalty through customer satisfactionas an intervening variable at Bank BNI Syariah Bekasi Branch. The population used in this studyis Bank BNI Syariah Bekasi Branch. The sample in this study was taken based on the population ofcustomers who save at BNI Syariah at the Bekasi Branch Office as many as 100 respondents. Theanalysis technique in this study is path analysis, which aims to calculate the influence of one or moreindependent variables on other dependent variables. The results showed that the value of servicequality has a positive effect on customer satisfaction. Furthermore, company image has a positiveeffect on customer satisfaction. Furthermore, service quality and company image have a positive effecton customer satisfaction simultaneously. Then customer satisfaction affects customer loyalty.
Efektivitas Program Perumahan Bersubsidi Pada Produk KPR BTN Sejahtera iB (Studi Kasus: Bank Tabungan Negara Kantor Cabang Syariah Bekasi) Rahayu, Fuji; Rahmawati, Rafika
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2759

Abstract

The purpose of this study was to determine “The Effectiveness of the Subsidized Housing Programon KPR BTN Sejahtera IB Products (Case Study: Bank Tabungan Negara Bekasi Sharia BranchOffice)”, this research includes field research (field research) with qualitative methods and supportedby library research (library research). ) relating to the effectiveness of the subsidized housing programon KPR BTN Sejahtera IB products. Data collection techniques for this study consisted of observation,interviews, and documentation. As well as data analysis techniques for this thesis research usingtechniques: data reduction, data presentation and drawing conclusions. Measurement of effectiveness,seen from three factors, namely: first, convenience, second, target accuracy, and third, affordability.Based on the results of the research, it shows the effectiveness of the subsidized KPR program, namelythe convenience factor because the requirements, processes, forms of service, and administrative costshave been effective and affordable because it is easy for the public to obtain information about KPRBTN Sejahtera IB at Bank Tabungan Negara Bekasi Sharia Branch Office, monthly installments. ,details and total costs during the contract that are not burdensome, payment facilities have helpedcustomers, and there are no sanctions or fines if they experience arrears in payments every month,while the ineffectiveness is seen in the factor of the accuracy of targeting because many customerswho take the subsidized housing program are not occupied but only for investment. Therefore, it mustbe improved in all its aspects in order to produce optimal effectiveness for the subsidized housingprogram on the KPR BTN Sejahtera IB product at the Bekasi Sharia Branch Office State Savings Bank.
Analisis Mitigasi Risiko Pada Pembiayaan Mudharabah di PT. Bank Syariah Mandiri Huda, Sofiyyatul; Isnandar, Fajri Ryan
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2760

Abstract

Mudharabah financing is a form of cooperation between two or more parties, in which the ownerof the capital (shahibul maal) entrusts a certain amount of capital to the manager (mudharib) to bemanaged with a profit-sharing agreement (profit sharing). This study aims to determine what risksarise in mudharabah financing and how risk mitigation is carried out by Bank Syariah Mandiri. Thisresearch is research using descriptive qualitative method. Data were collected through observation,interviews with the FGD (Focus Group Discussion) method with 4 (four) sources and documentation.The method of data analysis was done by using the descriptive analysis method.. The results show thatthe risks that arise in mudharabah financing at Bank Syariah Mandiri are: First, the risk of financingcaused by the customer not being able to pay their obligations to the bank, and second, the legalrisk caused by the weakness of the agreement (agreement). As for the mitigation carried out by BankSyariah Mandiri in dealing with risks that arise in mudharabah financing, namely: First, by rigorouslyconducting 5C and 6A analysis. Second, by taking steps to save financing, including (1) intensivecollection, (2) giving warnings, (3) rescheduling, (4) reconditioning, (5) restructuring, (6) settlementthrough guarantee insurance, (7) Settlement through guarantees, (8) Settlement through Write Off,(9) Settlement through stipulation of fines / ta’wid. From risk mitigation carried out by Bank SyariahMandiri, it has been able to minimize the risks that occur in mudharabah financing.
Analisis Implementasi Fatwa DSN-MUI Nomor 54 Tahun 2006 Terhadap Produk iB Hasanah Card Bank BNI Syariah Arzani, Teny Khotimah; -, Isfandayani
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 11 No 1 (2020): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v11i1.2761

Abstract

This study describes the implementation of the iB Hasanah Card operational financing at BNISyariah Bank which is adjusted to the DSN-MUI Fatwa Number 54 of 2006 (Syariah Card), to findout the suitability between the iB Hasanah Card operations against the sharia card mechanismbased on the fatwa. The method used in this research process is a qualitative descriptive analysismethod. Retrieval of data in the form of primary data, and secondary data, primary data obtained byconducting interviews with the BNI Syariah Bank. Literature study was obtained from books, journals,official websites and documents relating to the iB Hasanah Card. The data analysis technique wascarried out with three steps, namely data reduction, data presentation, and drawing conclusions fromthe results of the data analysis as evidenced by the validity of the data through source triangulationtechniques. The results of this study indicate that the BNI Syariah Bank in general in carrying out theoperational iB Hasanah Card as a whole is in accordance with the fatwa DSN-MUI No.54 / DSNMUI/ X / 2006. However, there are a number of points from the iB Hasanah Card program featuresand provisions regarding restrictions that should need special attention and be reviewed, becausethe contents contained in the fatwa are usually general or comprehensive, not specific or detailed.Like, smart spending and danlus features on iB Hasanah Card that are not listed in the fatwa. Otherprovisions include differences in fee provisions and the application of ta’widh fees, the calculation ofwhich is based on the time period of delay and the type of card not based on the actual loss incurredby the bank during billing.
Analisis Yuridis Terhadap Putusan Yang Mengabulkan Gugatan Perceraian Disebabkan Konflik Suami dan Istri (Studi Putusan Nomor 2612/Pdt.G/2017/Pa.Bks). Umayah -; Agus Supriyanto
MASLAHAH (Jurnal Hukum Islam dan Perbankan Syariah) Vol 12 No 1 (2021): Maslahah : Jurnal Hukum Islam dan Perbankan Syariah
Publisher : Program Studi Ahwal al-Syakhshiyyah dan Perbankan Syariah Fakultas Agama Islam Universitas Islam "45" Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/maslahah.v12i1.2627

Abstract

The purpose of this study was to find out the legal basis for divorce due to husband and wifeconflict and to find out the judge’s consideration in granting a divorce suit in case Number 2612 /Pdt.G / 2017 / PA.Bks). This research is library research with a normative juridical approach, usingthe descriptive analysis method. The results of this study are that due to the dispute, Plaintiff feelsuncomfortable in his household relationship with Defendant. Therefore, judges realize legal protectionfor Indonesian citizens, especially women, namely in Law Number 23 of 2004 Article 1 Paragraph (1),Compilation of Islamic Law Article 132 Paragraph (1) and Government Regulation of the Republic ofIndonesia Number 7 of 1975 Article 20 Paragraph (1) concerning the implementation of Law Number7 of 1974 concerning Marriage. From the findings data, it is analyzed that the judge’s decision ingranting the lawsuit is because the lawsuit submitted has met the formal and material requirements aswell as the facts that were revealed in the trial.

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