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Muh. Arafah
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Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bone Polewali Kec. Tanete Riattang Barat Kab. Bone Provinsi Sulawesi Selatan 92721
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Islamic Banking and Finance
Published by Institut Agama Islam Negeri Bone
ISSN : 28284402     EISSN : 29639034     DOI : https://doi.org/10.30863/ibf
Core Subject : Economy,
Economics, Econometrics & Finance
Journal IBF (Islamic Banking and Finance) is a scientific journal managed by Islamic banking, the Bone State Islamic Institute of Religion. This journal focuses on major studies in Islamic Finance, Islamic Banking, finance, Islamic Financial Technology, Islamic Accounting and relevant fields of science.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 45 Documents
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PENERAPAN PRINSIP 5P DALAM MEMINIMALISIR RISIKO PEMBIAYAAN MUSYARAKAH MUTANAQISAH PADA PT. BANK NTB SYARIAH Mareta, Hany; Hariono, Hariono; Susanti, Nurul
Islamic Banking and Finance Vol 2, No 2 (2022)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i2.3793

Abstract

The purpose of this study is to find out how to apply the 5P principle (party, purpose, payment, profitability, protection) in minimizing the risk of providing musyarakah mutanaqisah financing and find out whether or not the application of the 5P principle is effective in minimizing financing risk. This research uses a qualitative approach and by researching directly at PT. Bank NTB Syariah. This type of research data uses primary and secondary data types, data collection techniques through observation, interviews, and documentation. The informant came from the consumer finance division and risk management desk. The result of this study is the application of the 5P principle in minimizing the risk of providing musyarakah mutanaqisah financing at PT. Bank NTB Syariah has been applied according to theories on every principle and has applied the precautionary principle as in Law No.21 of 2008 concerning Sharia Banking in Article 2 and Article 23 paragraphs (1) and (2), and Bank Indonesia Regulation No.14 of 2012 concerning Asset Quality Assessment of Commercial Banks, in Article 2 paragraphs (1) and (2). Then the effectiveness of the application of the 5P principle in 2019 to 2021 has been very effective in minimizing the risk of musyarakah mutanaqisah financing, this is based on the results of interviews and observations from Non-Performing Financing which is decreasing and the bank can achieve the Non Performing Financing target contained in the Bank's Business Plan in 2019 to 2021
PENGARUH PENDAPATAN TERHADAP MARGINAL PROPENSITY TO SAVE (MPS) RUMAH TANGGA PADA PEGAWAI NEGERI SIPIL (PNS) DI IAIN BONE Musrini Muis
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3015

Abstract

This study discusses the Effect of Income towards household Marginal Prospenstiy to Save (MPS) on Civil Servants (PNS) at IAIN Bone. The objectives of this study are: (1) To determine the effect of income on household marginal propensity to save (MPS) in civil servants at IAIN Bone (2) to determinehousehold marginal propensity to save (MPS) in civil servants at IAIN Bone.This study uses quantitative research with an Islamic microeconomic approach with a total sample of 61 respondents. The data collection method used is questionnaire method (questionnaire) and documentation method. The data analysis technique used is descriptive analysis and simple linear regression analysis with the tests used in the form of validity and reliability to determine the effect of income variables on the Marginal Propensity to Save (MPS) variable, which previously tested normality and linearity. Subsequently, hypothesis testing is done in the form of simultaneous tests (f test) and Partial Test (T Test). The results of these studies, viewed linearly that the Income variable has a linear relationship to Marginal Propensity to Save (MPS) about 0.383.Based on Marginal Propensity tosave from 61 respondents surveyed, there were 20 people or 33% of respondents who had a higher Marginal Propensity toSave compared to their Consumption Expenditures. While 41 people or 67% of respondents have higher consumption expenditure compared to Marginal Propensity To Save.
ANALISIS KOMPARASI TINGKAT RISIKO PEMBIAYAAN JUAL BELI DENGAN BAGI HASIL PADA BANK MUAMALAT KCP. BONE Ahmad Rafi
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.2992

Abstract

Despite a fairly rapid development of Islamic Banking in Indonesia, but the composition of cost is still imbalance. This is proved by the nomination of skim murabahah (consumptive sale and purchase) compared with skim mudarabah (products division/productive). The cost of mudarabah is the cost of real sector and considered has high risk. Therefore, syariah bank needs to apply risk management and evaluate the level of maximum risk that might happen on the costs spent. The data were analyzed using credit risk method. Credit risk is a model of risk measurement of costs portfolio. This model was introduced by Credit Suisse Financial Products (CSFP) in 1997.This approach wasmaximum loss measurement from default credit portfolio. Data input credit risk are as follow; (exposure of default, default rates, probability of default, and expected loss) after having results of data analysis and then were analyzed using trend analysis to measure the frequency of risk level happened in the period of 2013-2014 and used analysis of hypothesis test one sample T test to obtain the comparison of risk level of sale and purchase of product division. The results of trend analysis express that the frequency of the occurrence of financial risks is more dominant on the sale and purchase contract, it can be seen in June 2013 until December 2014 NPF murabahah continuously improved, it is different with mudarabah (product division) that still run well. While the results of comparative test analysis One sample T test state that the cost of murabahah contract has higher risk measured from the high costs of financing bogged down experienced in this case the collectability category 5 at the end has impact on the level of achievement of profitability of Muamalat banks.
KECERDASAN KEUANGAN PENGUSAHA MUSLIM BUGIS DALAM PRAKTIK PENGELOLAAN USAHA PEDULI MASLAHAH Anizah, Nur; Marzuki, Sitti Nikmah
Islamic Banking and Finance Vol 3, No 1 (2023)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v3i1.5214

Abstract

Penelitian ini bertujuan untuk mengetahui tingkat kecerdasan keuangan pengusaha Muslim Bugis pada UMKM binaan Dinas Perindustrian Kabupaten Bone.  Penelitian ini menggunakan pendekatan kualitatif dari aspek metodologinya dan pendekatan keilmuan dibidang ilmu ekonomi islam. Dalam mengumpulkan data digunakan metode wawancara, data yang digunakan yaitu sembilan pengusaha Muslim Bugis pada UMKM binaan Dinas Perindustrian yaitu masing-masing tiga dari Kecamatan Tanete Riattang, Tanete Riattang Barat dan Tanete Riattang Timur. Hasil penelitian menunjukkan bahwa pengusaha Muslim Bugis pada UMKM binaan Dinas Perindustrian Kabupaten Bone memiliki tingkat kecerdasan keuangan pada tingkat middle class (kelas menengah). Hal ini dilihat dari cashflow pengusaha Muslim Bugis, dari pendapatannya disisihkan untuk pembelian investasi berupa aset, sisanya dikeluarkan untuk beban usaha, dan  biaya konsumsi lainnya. Sedangkan dalam praktik pengelolaan usaha peduli maslahah, dilihat dari aspek manfaat fisiknya, pengusaha Muslim Bugis lebih mengedapankan fungsi produk dari pada profit, dan menjamin kualitas produk. Sedangkan dari aspek non-fisik, pengusaha Muslim Bugis sangat memperhatikan kehalalan produknya, pendapatannya juga disisihkan untuk ZISWAF dan kegiatan sosial lainnya,  selain itu dapat memberikan lapangan pekerjaan kepada orang lain, sehingga pengusaha Muslim Bugis dalam praktik pengelolaan usahanya  sesuai dengan maslahah, yang dapat memelihara agama, diri, akal, keturunan dan harta.
DIGITALIZING ISLAMIC BANKS: LEARNING FROM BANK SYARIAH MANDIRI Hendri, Loni; Utami Fattah, sari
Islamic Banking and Finance Vol 2, No 1 (2022)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i1.3789

Abstract

This research aims to understand how BSM uses digital in its business development and what action other Islamic Bank could take from it to develop their digital utilization.Descriptivecritical analysis is used in this paper. The analysis began by presenting the understanding about digital role on Islamic Bank development and digitalization done by BSM. Analysis continued to digitalization done by BSM and its impact on Islamic Bank development so what action other Islamic Bank should do,what idea could be taken from it. Based on analysis, four things could be taken from BSM success using digital in its services: first, focus on young generation which can easily adapt with technology. Second, digital services improvement. Third, massive socialization. Forth, strong image of Islamic Bank built. Policy recommendation: first, strengthening regulation on safety and pleasure in digital-based transaction. Second, monitoring on shariah aspects in digital-based transaction offered by Islamic Bank.
INOVASI KEUANGAN DIGITAL ISLAMIC NETWORK ( DIN) TERHADAP OPTIMALISASI PELAYANAN JASA PERBANKAN DI ERA DIGITAL (STUDI KASUS BANK MUAMALAT ) Ahmad Takdir
Islamic Banking and Finance Vol 1, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i2.3008

Abstract

This study discusses the Islamic digital network (DIN) innovation for banking service products in the digitalization era at Bank Muamalat KCP Kab.Bone. The objectives of this research are (1). To find out the muamalat digital Islamic network (DIN) innovation for banking services. (2). To find out the impact of the muamalat digital Islamic network (DIN) innovation on the optimization of banking services in the digitalization era. The type of this research is the type of field research (field research) with the research approach used is a qualitative approach. This technique is used to describe the data that researchers collect, both data from interviews, observations and documentation during research at Bank Muamalat KCP Kab. Bones. The results of this study indicate that (1).Muamalat digital Islamic network (DIN) is a mobile banking muamalat which is then transformed into a digital Islamic network muamalat. In the application of the muamalat digital Islamic network (DIN) which was introduced and implemented throughout Indonesia on November 14, 2019, Bank Muamalat targets to provide convenient and uncomplicated services so that it has positive implications for customers. This product is upgraded so that it is not inferior to other products and so that it can compete in the digital 4.0 era (2). The impact of the implementation of the Islamic digital Islamic network (DIN) on the optimization of banking services in the digitalization era are: the use of the digital Islamic network (DIN) muamalat provides easy service to customers, saves time, provide security to customers and provide satisfaction to customers. Thus the creation of effectiveness and efficiency in the application of digital Islamic network (DIN) muamalat, there will be optimization of banking services in the digital era.
STRATEGI PENINGKATAN NASABAH BANK SYARIAH DENGAN PENDEKATAN EXPERIENTAL MARKETING (STUDI PADA BANK MUAMALAT KCP BONE) Julianti Putri, Helma; Munawarah, Munawarah
Islamic Banking and Finance Vol 2, No 2 (2022)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i2.3794

Abstract

The objectives of this study are: (1) to find out how the form of the Experiental Marketing implementation strategy carried out by Bank Muamalat KCP Bone in increasing the number of customers (2) to find out and analyze the constraints of Bank Muamalat KCP Bone in increasing the number of customers through an Experiental Marketing approach and solutions to overcome these obstacles. This type of research is field research with qualitative research methods and descriptive approaches. Data were collected through observation, interviews, and documentation. The data obtained are analyzed using data reduction methods, data presentation and inference. At Bank Muamalat KCP Bone, the form of strategy for implementing Experiental Marketing carried out in increasing prospective customers is by approaching emotionally to prospective customers/ customers, conducting ball pick-up services to prospective customers through the "Ayo Hijrah" program, product promotion through the Muamalat DIN (Digital Islamic Network) Application, building company branding through Sourvenir promotions, collaborating with students in the procurement of Islamic banking training and seminars and find out the background of potential customers. The obstacles that are usually faced are prospective customers who lack respect for the service/arrival of bank employees when providing information, in terms of corporate culture/ organizational culture, and lack of public understanding of Islamic banks. However, these obstacles can be overcome by always following the wishes of prospective customers by doing the best service, evaluating themselves in carrying out organizational culture, and aggressively conducting the "Ayo Hijrah" campaign to invite people to switch to a sharia-based economy.
Pengaruh Jumlah DPK dan CAR Terhadap Alokasi Pembiayaan Usaha Mikro Kecil dan Menengah pada Bank BCA Syariah Tahun 2017-2019 Safitri, Aulia; jumarni, jumarni
Islamic Banking and Finance Vol 2, No 1 (2022)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i1.3788

Abstract

This study discusses the effect of DPK and CAR on the allocation of financing for micro, small and medium enterprises at Bank BCA Syariah in 2017-2019. This study aims to examine the effect of third-party funds and CARon the allocation of financing for micro, small and medium enterprises and how much they affect. The analysis of this study uses independent variables, namely thirdparty funds, the independent variable is the financing of micro, small and medium enterprises as measured by the financial performance of MSMEs based on the CAR indicator, which is comparing Capital with ATMR. Based on the purpose of the study, this research is a type of quantitative research using a panel data regression approach. This technique is used to assist in processing relevant data obtained from financial statements
RASIONALISASI PEMANFAATAN DANA ZIS DALAM UPAYA MEMBANGKITKAN KESADARAN UMAT (STUDI LAZNAS PADA KOTA MAKASSAR) Masyhuri Masyhuri
Islamic Banking and Finance Vol 1, No 1 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam IAIN Bone

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v1i1.2993

Abstract

ABSTRACT Utilization of ZIS Funds in Economic Empowerment of the People in Makassar City. The purpose of this study is to: (1) analyze the concept of using ZIS funds by the Amil Zakat Institution (LAZNAS) in empowering mustahik in empowered villages assisted by Rumah Zakat in Makassar city. (2) analyzing the Mustahik Empowerment Concept in Islamic Philanthropy in Reducing Poverty. (3) to find out the Inhibiting Factors and Challenges of Rumah Zakat in Empowering Mustahik in Makassar City in the empowered village of Rumah Zakat Representative of South Sulawesi. This study uses a qualitative approach based on the interpretive paradigm ofwithout using interviews. The data were analyzed using the Miles and Huberman model, which included the data reduction stage, the data display stage, and the conclusion drawing/verification stage. The results of this study indicate that the concept of using ZIS funds in empowering the people's economy and the concept of empowering mustahik in reducing poverty in the assisted villages of zakat houses in Makassar city have been carried out well. Although there are still some obstacles that need to be addressed, namely the existence of a production house as a center for economic empowerment of the people, product marketing innovations for mustahiq members, and collaboration with all levels of society. Keywords: Accountability, Utilization of ZIS Funds, Amil Zakat Institutions (LAZNAS), Concept of People's Economic Empowerment, Poverty
KONTRIBUSI USAHA GETAH PINUS DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT MUSLIM (Studi Pada Desa Rappa Kec. Tonra Kab. Bone) Inna, Nur Fatma; Jumarni, Jumarni
Islamic Banking and Finance Vol 3, No 1 (2023)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v3i1.5215

Abstract

Penelitian  Jurnal iniberjudul “Kontribusi Usaha Getah Pinus Dalam Meningkatkan Perekonomian Masyarakat Muslim (Studi Pada Desa Rappa Kec. Tonra Kab. Bone). Kajian dalam penelitian ini adalah seberapa besar kontribusi usaha getah pinus dalam meningkatkan perekonomian Masyarakat Muslim di Desa Rappa. Penelitian ini bertujuan untuk mengetahui adalah seberapa besar kontribusi usaha getah pinus dalam meningkatkan perekonomian Masyarakat Muslim di Desa Rappa. Penelitian ini merupakan penelitian lapangan. Pendekatan dalam penelitian ini adalah pendekatan kualitatif. Jenis data dalam penelitian ini adalah Data Primer yakni data yang diperoleh secara langsung dari subjek yang diteliti yakni pekerja usaha getah pinus. Data Sekunder yakni data yang berfungsi sebagai pelengkap data primer. Metode pengumpulan data dalam penelitian ini adalah observasi, wawancara dan dokumentasi. Tekhnik analisis data digunakan untuk menganalisis data, penulis menggunakan metode analisis deskriptif, yaitu gambaran secara sistematis, factual dan akurat mengenai fenomena pelaksanaan pengelolaan usaha getah pinus oleh masyarakat muslim di Desa Rappa Kec. Tonra Kab. Bone. (2) faktor pendorong  dan penghambat dalam mengelola usaha getah pinus yaitu: modal, musim, tempak pengeloaan, jarak lokasi, tingkat kebutuhan masyarakat, umur sedapan, keulekan kerja dan manajemen waktu. Implikasinya bagi penulis yaitu menambah wawasan penulis dalam hal kontribusi usaha getah pinus dalam pemenuhan kebutuhan masyarakat. Dan setiap kepala keluarga memiliki kewajiban untuk memenuhui kebutuhan keluarganya dan harus sesuai dengan ajaran islam yaitu untuk kesejahtaraan atau kemaslahatan masyarakat.Menambah wawasan penulis terkai faktor- faktor yang mendorong sekaligus dapat juga menjadi penghambat dalam pengelolaan usaha getah pinus.

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