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At-Taradhi: Jurnal Studi Ekonomi
Published by Universitas Islam Negeri Antasari Banjarmasin
ISSN : 19793804     EISSN : 25489941     DOI : -
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education
At-Taradhi: Jurnal Studi Ekonomi:This journal is published twice a year in June and December with a focus on economics and the like with the same science
Arjuna Subject : -
Articles 5 Documents
 1 
Search results for , issue "Vol 13, No 2 (2022)" : 5 Documents clear
Analisis Kesyariahan Kartu Kredit Bank Syariah Indonesia Sebagai Media Transaksi Non Tunai. Maulidatul Islami; Atika Zahra Maulida
At-Taradhi Jurnal Studi Ekonomi Vol 13, No 2 (2022)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v13i2.6640

Abstract

The purpose of this study was to determine whether the credit card product issued by Bank Syariah Indonesia, namely the Hasanah Card , was in accordance with and actually implemented the Sharia Card as stipulated in the DSN-MUI fatwa No. 54/DSN-MUI/X/2006. The research method is a qualitative research using a descriptive approach to describe sharia principles in the hasanah card. data were collected by the field research (field research) with primary sources obtained from sources in the form of interviews and observations and library research (library research) with socio legal research. The results of this study are the application of sharia principles to the Hasanah Card product by Bank Syariah Indonesia is still not in accordance with the DSN-MUI Fatwa No. 54 of 2006. This can be seen from the DSN MUI fatwa regarding tadwidh provisions, usage limits to reduce consumptive behavior, and transaction provisions at non-halal merchants that are not yet fully implemented in the hasanah card practice. Tujuan dari penelitian ini adalah untuk mengetahui apakah produk kartu kredit yang dikeluarkan oleh Bank Syariah Indonesia yaitu Hasanah Card sudah sesuai dan benar-benar menerapkan prinsip Syariah Card yang diatur dalam fatwa DSN-MUI No.54/DSN-MUI/X/2006. Metode penelitian adalah penelitian kualitatif dengan menggunakan pendekatan deskriptif untuk menggambarkan prinsip syariah dalam hasanah card. Data dikumpulkan dengan metode field research (penelitian lapangan) dengan pendekatan hukum empiris. Hasil dari penelitian ini yaitu penerapan prinsip-prinsip syariah pada produk Hasanah Card oleh Bank Syariah Indonesia masih kurang sesuai dengan Fatwa DSN-MUI No. 54 Tahun 2006. Hal ini dapat dilihat dari fatwa DSN MUI mengenai ketentuan tadwidhdan ketentuan transaksi pada merchant non halal yang belum sepenuhnya sesuai dipraktikan dalam hasanah card.
Islamic Financial Research Directions During Pandemic: A Bibliometric Analysis Muhamad Subhi Apriantoro; Rashifahunnisa' Mellinia; Shafy Garneta Maheswari; Hudaifah Hudaifah
At-Taradhi Jurnal Studi Ekonomi Vol 13, No 2 (2022)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v13i2.7174

Abstract

This study aims to determine the direction of development of Islamic finance research during the pandemic, focusing on the growth of international publications in the field of Islamic finance in the Scopus database between 2020 and 2022. Bibliometric mapping consists of core journals in international publications in the field of Islamic finance, the productivity of researchers in the field of Islamic finance, the number of publications based on institutional collaboration in international publications in the field of Islamic finance, the development of international publications on research in the field of Islamic finance by subject/field, and a map of the development of international publications on research in the field of Islamic finance.  
Pricing Mechanism for Collateral Auctions in Problematic Financing at Bank Syariah Indonesia, Palangka Raya Sofyan Hakim; Hanief Monady; Nadia Safitri
At-Taradhi Jurnal Studi Ekonomi Vol 13, No 2 (2022)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v13i2.7536

Abstract

A Sharia bank is an institution whose main business is to provide credit and other services based on sharia principles. A sharia bank has various products, one of which is financing. However, risks in financial institutions are inevitable and become potential events, both foreseeable and unpredictable. Such as financing customers who end up experiencing defaults and leading to the sale of collateral or collateral through auctions. Therefore, it is necessary to know the mechanism for pricing collateral auctions and constraints on problematic financing at Sharia Bank of Indonesia, Palangka Raya City. This research uses a descriptive qualitative approach. The results of this study are that the pricing mechanism is carried out with the provisions and procedures applicable at Sharia Bank of Indonesia, Palangka Raya City, with price interpretation carried out by the assessment team after the survey is carried out, looking for appeal data based on the prevailing market value in the collateral area, looking at collateral conditions, interpreting until finally the price is determined based on the applicable mechanism in accordance with the Circular Letter of the Board of Directors must use the price reference Central Market, Regional Market Price, and Local Market Price. Pricing carriess out with appropriate assessments and calculations based on the market approach method and cost approach that have been formulated to be used as a guide in the assessment and pricing of collateral auctions in accordance with the fair price or market price that occurred at that time.
Analisis Strategi Bisnis Hijab Mazaya Yogyakarta Dengan Pendekatan Bisnis Model Canvas Ditinjau Dari Maqashid Syari’ah Mufti Afif; Meichio Lesmana; Lisda Aisyah; Musyaffak Kholil
At-Taradhi Jurnal Studi Ekonomi Vol 13, No 2 (2022)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v13i2.7461

Abstract

Tujuan penelitian ini adalah untuk menganalisis strategi yang digunakan oleh toko Hijab Mazaya menggunakan model kanvas bisnis. Metode penelitian yang digunakan dalam pendekatan deskriptif dengan menggunakan teknik pengumpulan data yaitu observasi lapangan, wawancara dan dokumentasi. Hasil dari penelitian ini adalah Pada elemen bisnis model kanvas secara keseluruhan pada bisnis hijab Mazaya memiliki kelebihan yang dideskripsikan pada 5 elemen BMC, yaitu hubungan pelanggan, proposisi nilai, aktivitas utama, sumber daya utama, dan mitra utama. Jika ditinjau dari aspek maqashid syariah dengan tujuan yaitu mnecapai falah atau kemaslahatan umat. Strategi BMC sudah menerapkan 4 prinsip utama yaitu hifdzu nafs, hifdzu nasl, hifdzu 'aql dan hifdzu mal.Adapun hifdzu din tidak tersedia pada 9 elemen strategi BMC. Setelah dilihat dari aspek maqashid syariah hasil dari penerapannya yitu adanya hubungan hifdzu nafs dengan 7 elemen yaitu Customer Segment, Value Proposition, Channel, Customer Relationship, Key Activities, Key Resource dan Key Partner. Pada aspek hifdzu mal ada 3 elemen yaitu Revenue Stream, Key Partner dan Cost Structure. Adapun Key Resource termasuk dalam prinsip Hifdzu Nasl dan element Channel termasuk hifdzu 'aql.
Problematika Aspek Pengharaman Qardh Paylater Pada Aplikasi Shopee Berdasarkan Fatwa-Fatwa Ulama Bagus Setiyo Bagus Setiyo Budi; Iza Hanifuddin Iza Hanifuddin
At-Taradhi Jurnal Studi Ekonomi Vol 13, No 2 (2022)
Publisher : Islamic Economics and Business Faculty of UIN Antasari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18592/at-taradhi.v13i2.7668

Abstract

Penelitian ini bertujuan untuk menganalisa praktik qardh paylater, tepatnya pada aplikasi Shopee untuk mengetahui aspek pengharaman menurut pandangan ulama-ulama. Metode yang dipakai ialah dengan menggunakan metode deskriptif kualitatif yang mejelaskan data aktual sesuai kondisi di lapangan, dengan menggunakan buku dari Wahbah az-Zuhaili dan sumber jurnal lainnya. Teknik analisa data menggunakan analisis induktif yang menghasilkan bahwa praktik Shopee Paylater sesuai dengan rukun dan syarat sah akad qardh menurut pandangan ulama. Namun, terdapat fokus pandangan ulama mengenai adanya tambahan atau denda akibat keterlambatan pembayaran yang ditetapkan sebesar 5%. Menurut pendapat para ulama, hal demikian termasuk salah satu riba, yakni riba nasi’ah, dikarenakan dapat memberatkan salah satu dari pihak yang melakukan akad qardh dalam Shopee Paylater.

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