Commodity : Jurnal Perbankan dan Keuangan Islam

IMPLEMENTASI ISLAMIC MARKETING MIX PRODUK TABUNGAN iB HIJRAH PRIMA PADA BANK MUAMALAT KANTOR CABANG PEMBANTU MADIUN

Aldo Robby Pradana, Lilik Sofianiyatin, Linda Sulistia Ningsih — Sat, 02 Dec 2023 00:00:00 +0700

This research aims to determine the obstacles and efforts in the Islamic Marketing Mix strategy in the Prima Savings product. The research was conducted using descriptive qualitative methods which aim to provide a systematic overview of the research focus which includes Islamic marketing mix strategies and prime savings products. The research subjects consisted of six informants. Data analysis is carried out to simplify data processing, so that readers can interpret and read easily. Data collection was carried out using interview and documentation techniques. Meanwhile, analysis of the data was carried out using the stages of data collection, reduction, presentation and verification.

The results of this research show that the implementation of the Islamic Marketing Mix has an influence on the Prima Savings product at the Muamalat KCP Madiun Bank. This can be seen in the number of customers using prime savings products over the last five years. So it can be concluded that the application of the IMM strategy to the Prima Savings product at the Muamalat KCP Madiun bank can improve the product so that it can attract customer interest in opening the Prima Savings product.

PENGARUH DANA PIHAK KETIGA, SPREAD BAGI HASIL, TINGKAT BAGI HASIL DAN NON PERFORMING FINANCING TERHADAP VOLUME PEMBIAYAAN BERBASIS BAGI HASIL ( STUDI KASUS BANK UMUM SYARIAH PERIODE 2017-2019 )

meriani alimaini, Ahmad Amin Dalimunte, Juliana Nasution — Sat, 02 Dec 2023 00:00:00 +0700

This research is intended to determine and analyze the influence of Third Party Funds (DPK), Profit Sharing Spread (SBH), Profit Sharing Level (TBH), and Non Performing Financing (NPF) on the Volume of Profit Sharing Based Financing (PBH) of Sharia Commercial Banks. This research takes the
background that the movements of PBH, DPK, SBH, TBH and NPF experience fluctuating movements from year to year. This research is quantitative in nature with secondary data sources, namely the quarterly financial balance reports of Sharia Commercial Banks starting in 2017-2019. Using multiple linear regression test as an analysis tool using SPSS 15.0. The conclusions in this study show that firstly, simultaneously, namely DPK, SBH, TBH and NPF have a significant effect on PBH. Second, separately or partially, DPK has a significant effect on PBH of Sharia Commercial Banks with a calculated t value of 22.040. Third, SBH has a significant effect on PBH with a calculated t value of 3.534. fourth, TBH has no effect on PBH at Sharia Commercial Banks with a calculated t value of -0.220. Fifth, NPF has no effect on PBH of Sharia Commercial Banks with a calculated t value of -0.1567

AKAD MUDHARABAH DALAM LEMBAGA KEUANGAN SYARIAH

Sya'idun Dhamar — Sat, 02 Dec 2023 00:00:00 +0700

The presence of Islamic banks that use a profit sharing system, in reality
between banks based on sharia and banks with conventional principles are
similar, only differing in terms of terms, namely conventional banks use an interest system and sharia with profit sharing. The mudharabah contract implemented in Islamic banks has changed and is not like the initial concept in fiqh which was based on justice, but in Sharia banks, in its application, if there is a loss, it will be borne by the borrower. This research will explain in detail the application of mudharabah theoretically and in reality as it actually occurs using a literature review research model. The results of this research are concerns about losses that will be borne by the banking sector as the owner of the funds. Meanwhile, customers are not charged losses if the business they run does not experience a profit.

TINJAUAN HISTORIS PERKEMBANGAN SISTEM PERBANKAN SYARIAH DI INDONESIA

eka rahayu, Rima Prastika, Ciptia Khoirulina Sanawati — Tue, 16 Jan 2024 00:00:00 +0700

Sharia banks were developed based on the desire to provide financial transaction services that are in line with moral values and principles of Islamic law amidst the proliferation of conventional banks which are synonymous with usury, maisir and gharar. The initial presence of sharia banking is expected to be the main solution for financial facilities and poverty alleviation without compromising sharia principles. The sharia banking system continues to develop, especially in Indonesia, although it seems to be slower than other countries. The idea of sharia banking began to emerge in 1990 with the implementation of a workshop by the MUI (Indonesian Ulema Council). Subsequently, it was legalized in 1992 with the issuance of Law No. 7 of 1992 which was then deregulated in 1998 with explicit provisions regarding the permissibility of the dual banking system. The full existence of sharia banking was recognized after the passing of Law no. 21 of 2008 concerning sharia banking which specifically regulates institutions and business activities and the codification of banking products. Based on the OJK (Financial Services Authority) report in quantity, sharia banking has increased with the number of banks consisting of 13 BUS, 21 UUS and 166 BPRS. Sharia banking has also experienced a downward trend in its development. This is because the operational system of Islamic banks still adopts the conventional banking system with the characteristics of still prioritizing profit orientation and still referring to interest rates. The development of sharia banks must also be supported by competent and professional HR (human resources), commitment to 100% implementation of sharia principles, and also responsive marketing that is able to grow public trust in sharia banks.