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Journal of Institution And Sharia Finance
Published by Institut Agama Islam Negeri Palopo
ISSN : 26546043     EISSN : 26205130     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Journal Of Institution And Sharia Finance compile writing and research on Islamic financial institutions, Islamic banking, sharia business management, strengthening people's economy, Islamic financial management.
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol 5, No 2 (2022): DESEMBER" : 5 Documents clear
Analisis Kinerja Bank Syariah Negara OKI pada Era Digital: Studi Masa Pandemi Covid-19 Anggi Indrawati; Fadia Haya Putri; Rofiul Wahyudi
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3360

Abstract

This study aims to analyze the performance of Islamic banks in OKI countries in the digital era during the pandemic. This research is a quantitative research with a descriptive approach. The sample in this study was selected based on a purposive sampling technique in order to obtain nine Islamic Cooperation Organization (OKI) countries with the top rankings according to the Asian Banker in 2020. Secondary data in this study were in the form of quarterly financial reports for the 2020 observation period. The data analysis technique used descriptive statistics for provides a complete picture of the financial performance of Islamic banks during the Covid-19 pandemic. The results show that the performance of Islamic banks in the nine OKI countries was not affected during the Covid-19 pandemic. On the other hand, the Covid-19 pandemic has actually encouraged the digitization of digital banking services and transactions to maintain profits during the Covid-19 pandemic.
Efektivitas Pembiayaan Produk Qardhul Hasan pada Bank Kalsel Syariah Cabang Banjarmasin Masrina Masrina; Khabib Musthofa; Dewi Safitri
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3361

Abstract

Qardhul Hasan in Islamic banking is one of the instruments in the tabarru contract of all kinds of agreements involving not-for-profit transactions (non-profit transactions). So in essence Qardhul Hasan is not intended to seek commercial advantage for banks or institutions that use this product. This type of research is field research, while the nature of this research is qualitative research. The subjects in this study were Bank Kalsel employees and the object of this research was Qardhul Hasan product financing at the Banjarmasin Branch of Bank Kalsel. The data collection technique used in this study was by direct interviews with the respondents. The results of this study indicate that the mechanism was carried out by collecting donations from Bank Kalsel employees and also from customers. The funds are managed by the ZIS Management Agency, after which the funds collected are capital for benevolent funds which are channeled through Qardhul Hasan Products. As for the practice, it can be said to be effective in relation to strategy and management, namely the fulfillment of sharia principles, the fulfillment of the precautionary principle, the fulfillment of a competitive Islamic banking system, the fulfillment of achieving systemic stability and the realization of benefits for society.
Efektivitas Kebijakan Restrukturisasi Pembiayaan Bermasalah pada Masa Pandemi Covid-19 Arli Sutanti; Peni Haryanti
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3362

Abstract

The Indonesian government through the task force for handling the corona virus stated that the World Health Organization had given an official statement on March 9, 2020 regarding COVID-19 which was declared a pandemic. As a result of this, the banking industry experienced a decline in income caused by debtors who had difficulty paying their obligations due to declining sales due to the COVID-19 pandemic. Banks needed to restructure to save themselves from much larger losses. This statement is supported by the POJK issued by the OJK at the POJK 2020 concerning National Economic Stimulus as a Countercyclical Policy for the Impact of the Spread of Corona Virus Disease 2019 at Number 11/POJK.03/2020. This study aims to determine the effectiveness of the financing restructuring policy on non-performing financing during the pandemic. From the results of research conducted by researchers using three data collection techniques, namely observation, interviews, and documentation, it can be concluded that the implementation of the financing restructuring policy due to the COVID-19 pandemic at BPRS Lantabur Tebuireng has been implemented effectively in reducing Non Performing Finance. The implementation of financing restructuring is considered to be able to assist BPRS Lantabur Tebuireng in arranging appropriate payment schemes for debtors whose businesses are affected by the COVID-19 pandemic.
Implementation of Problem Financing Risk Control Strategy on Amanah Products at PT. Luwu Branch Sharia Pawntown Indah Sari
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3374

Abstract

This thesis discusses the risk control strategy for non-performing financing on trust products at PT. Luwu Branch Sharia Pawnshop. This study aims to describe the strategy of PT. Sharia Pegadaian Luwu Branch in risk control on trustful products. The type of research used is qualitative research with a descriptive approach. Data obtained by conducting observations, interviews and documentation. The results showed that the risk control strategy of PT. Sharia Pegadaian Luwu Branch for non-performing financing has been implemented, especially for Amanah products. This strategy includes risk monitoring, risk measurement, risk monitoring, and financing problem solving. In identifying the financing risks of PT. Luwu Branch Sharia Pegadaian uses 5C analysis and BI verification. For risk measurement, PT. Pegadaian Syariah Luwu Branch uses quantitative and qualitative risk measurements and divides them into five categories, namely current, substandard, on special mention, doubtful, and loss. In monitoring the risk of financing PT. The Luwu Branch Sharia Pawnshop made the first visit to the customer’s location, but follow-up was not carried out properly after the disbursement of the financing. Meanwhile, for the settlement of non-performing financing, PT. The Luwu Branch of Sharia Pegadaian contacts customers, visits customers and shows a letter of repayment.
Kepuasan Nasabah: Tinjauan dari Kualitas Produk dan Penerapan Nilai Islam Yeni Yulia Ningsih; Binti Nur Asiyah
Journal Of Institution And Sharia Finance Vol 5, No 2 (2022): DESEMBER
Publisher : Program Studi Perbankan Syariah, IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/joins.v5i2.3375

Abstract

The research in this thesis is based on the quality of products Bank Muamalat KCU Kediri can not reach all layers so that customers can only choose one of several products that exist, Sharia value in BMI is less maximally applied, it appears that the customer's needs are not a concern in financing, so it is not in accordance with the needs of real customers. This study uses a quantitative approach to this type of associative research. Sampling uses accidental sampling techniques. The data source used in this study is the main data. The measurements in this study used a likert scale. Next stage, test the data instrument with validity and reliability test, classic assumption test and Multiple Linear Regression which serves to prove the research hypothesis.The results showed (1) The quality of the product had a positive and significant effect on customer satisfaction at Bank Muamalat KCU Kediri (2) Islam value had a positive and significant effect on customer satisfaction at Bank Muamalat KCU Kediri. (3) The quality of the products, and the value of Islam, together have a positive and significant effect on customer satisfaction at Bank Muamalat KCU Kediri.

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