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SYAHADAT: Journal of Islamic Studies
Published by CV. Academic Solution Publisher
ISSN : -     EISSN : 30639689     DOI : -
Core Subject : Religion, Humanities, Education, Social,
Religion Humanities Social Sciences Other
The focus of SYAHADAT is to provide scientific article of islamic studies that developed in attendance through the article publications, research reports, and book reviews. SYAHADAT welcome papers from academicians on theories, philosophy, conceptual paradigms, academic research, as well as religion practices. In particular, papers which consider the following general topics are invited.
Arjuna Subject : Umum - Umum
Articles 5 Documents
 1 
Search results for , issue "Vol. 2 No. 4 (2025): December" : 5 Documents clear
ANALISIS EFEKTIVITAS PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN PROFITABILITAS BANK SYARIAH DI INDONESIA Dinda Nurayuni Humaira; Fadillah Syafitri; Syarifah Hanum Tumangger
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/mhm9dt51

Abstract

Murabahah financing is the most dominant financing product in the Islamic banking portfolio and serves as a stable source of income for banks. However, the increase in murabahah financing volume does not always correspond with higher profitability. This study aims to analyze the effectiveness of murabahah financing in improving the profitability of Islamic banks in Indonesia through a literature review approach. The data used include murabahah financing trends and the Return on Assets (ROA) ratio based on the 2020–2024 Islamic Banking Statistics published by the Financial Services Authority (OJK), along with 20 relevant national scientific articles published between 2022 and 2025. The results show that financing effectiveness acts as the key mediating factor linking murabahah financing to profitability. Murabahah contributes positively to profitability only when financing effectiveness is high, indicated by strong risk management, operational efficiency, digitalization, and payment smoothness. Conversely, when effectiveness is low, financing risks increase and profitability decreases despite higher financing volumes. This study recommends strengthening digitalization, improving human resource competence, and enhancing risk management to optimize the value of murabahah financing for Islamic banks. Future research is expected to employ quantitative methods to empirically test the relationships among variables.
DAMPAK PEMBIAYAAN BANK SYARIAH INDONESIA TERHADAP PEMBANGUNAN EKONOMI BERKELANJUTAN Ayu Hani Marsani Tanjung; Risa Adelila Hasibuan; Sherin Aulia Putri
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/d4qytk44

Abstract

Pembangunan ekonomi berkelanjutan merupakan upaya untuk menyeimbangkan pertumbuhan ekonomi, kesejahteraan sosial, dan pelestarian lingkungan. Dalam konteks ekonomi Islam, bank syariah tidak hanya berorientasi pada keuntungan, tetapi juga pada kemaslahatan umat. Penelitian ini bertujuan untuk menganalisis dampak pembiayaan bank syariah terhadap pembangunan ekonomi berkelanjutan melalui studi kasus di Bank Syariah Indonesia (BSI) Kantor Cabang Krakatau Medan. Metode penelitian menggunakan pendekatan kualitatif deskriptif melalui wawancara, observasi, dan kajian literatur. Data primer diperoleh dari wawancara dengan tiga nasabah pembiayaan dan satu pegawai bagian pembiayaan, sedangkan data sekunder berasal dari laporan BSI, publikasi OJK, serta literatur akademik. Hasil penelitian menunjukkan bahwa pembiayaan syariah memiliki dampak positif terhadap peningkatan ekonomi masyarakat, pemberdayaan UMKM, dan penerapan pembiayaan ramah lingkungan (green financing). Akad musyarakah dan mudharabah membantu peningkatan produktivitas usaha dan kesejahteraan nasabah, sedangkan program sosial seperti qardhul hasan memperkuat aspek sosial. Namun, tantangan masih muncul dari dominasi pembiayaan konsumtif dan rendahnya literasi keuangan syariah. Dengan demikian, pembiayaan syariah diharapkan dapat terus diperluas dan disinergikan dengan prinsip maqashid al-syariah untuk mewujudkan ekonomi yang inklusif dan berkelanjutan.  
Prinsip Keadilan dan Transparansi dalam sistem pembiayaan Bank Syariah untuk Kemaslahatan umat Khoirotun Nisa Limbong; Muhammad Abdillah Pratama Aminullah; Stefani
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/4hxdw371

Abstract

The principles of justice and transparency are the main foundations of Islamic banking operations. These two principles ensure that every financing product and service not only complies with Sharia law but also provides tangible benefits to the wider community. This article comprehensively discusses how the principles of justice and transparency are applied in the Islamic banking financing system, as well as how their implementation contributes to the welfare of the community. This research uses a qualitative approach with a literature analysis of various regulations, journals, and related fatwas. The results of the study indicate that the implementation of these two principles can foster economic stability, increase public trust, and ensure the achievement of the objectives of maqasid al- shariah in the financial sector.
PERSEPSI MAHASISWA TERHADAP PELAYANAN BANK SYARIAH Annisa Afwani; Anggun Rohaya Putri Munthe; Khaila Calsa Fhadillah
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/6jpqm493

Abstract

This study aims to analyze students' perceptions of Islamic banking services using a qualitative, interview-based approach. The primary focus of the study is students' understanding of Islamic service principles, their experiences as customers and prospective customers, and the factors influencing their assessment of service quality. Data were obtained through semi-structured interviews with several students from various study programs. The results indicate that most students have positive perceptions of Islamic banking service ethics and transaction security. However, complaints persist regarding the limited digitalization of services and the lack of socialization regarding Islamic products. This study recommends optimizing education, improving digital technology, and strengthening services based on the values ​​of maqāṣid al-Shari'ah (the principles of Islamic principles).
Prosedur Pembiayaan pada Bank Sumut Syariah dari Analisis Kelayakan hingga Monitoring Abidzar Fikri Simamora; Ananda Fitriani Oktavia; Putri Chairunnisa Pane
SYAHADAT: Journal of Islamic Studies Vol. 2 No. 4 (2025): December
Publisher : Academic Solution Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70489/5ewpk753

Abstract

This study aims to evaluate the financing methods at PT Bank Sumut Sharia Business Unit, from feasibility analysis to financing monitoring. The approach used in this study is descriptive qualitative by collecting data through interviews, observations, and document studies. The findings of the study indicate that the bank has implemented the principle of prudence through 5C analysis and a rating system to assess customer eligibility. However, the character aspect of customers remains a major weakness due to the potential moral hazard that may arise after financing is disbursed. In the implementation stage of the contract, most financing is based on the murabahah contract including murabahah bil wakalah, but there is a lack of customer understanding regarding the contract, which can increase sharia risk. Financing monitoring is carried out through field supervision and persuasive handling of problematic financing and restructuring, but it is more curative in nature. Therefore, it is important to improve character analysis, education about contracts, and more preventive monitoring.

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