Share: Jurnal Ekonomi dan Keuangan Islam
type: channel
description: Effective from Volume 15, No. 1 (2026), Share: Jurnal Ekonomi dan Keuangan Islam is using this platform. The journal has migrated from the previous website. Original Title : Share: Jurnal Ekonomi dan Keuangan Islam English Title : Share: Journal of Islamic Economics and Finance Frequency : Two issues per year (June and December)—continues publication Publication Model : Open Access Indexing : DOAJ | Index Copernicus | Google Scholar, etc. ISSN : 2549-0648 (online) | 2089-6239 (print) Chief Editor : Prof. Dr. Azharsyah Ibrahim, SE.Ak., M.S.O.M. DOI Prefix : 10.22373/share Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh Accreditation : Sinta 2 Share: Jurnal Ekonomi dan Keuangan Islam [SHARE] is a peer-reviewed, double-blind journal published by the Faculty of Islamic Economics and Business at Universitas Islam Negeri Ar-Raniry in Banda Aceh, Indonesia. SHARE publishes research and concept papers pertaining to the field of Islamic economics and finance in open-access format, allowing users to freely access and download the articles under the CC BY SA license. SHARE has been a CrossRef Member since 2017, which means that each paper published by the journal will have a unique DOI number. SHARE has been indexed by numerous reputable indexing services, including DOAJ, Index Copernicus, Scilit, WorldCat, Google Scholar, Dimensions, EBSCO, and many others. SHARE is listed among the top journals in Indonesia by the Indonesian journal accreditation body (Tier 2), as authorized by the Decree of Director General of Research and Development, Ministry of Higher Education, Science, and Technology, No. 295/C/C3/KPT/2026. Currently, SHARE is under consideration for inclusion in SCOPUS and WoS Indexed in:
publisher: Universitas Islam Negeri Ar-Raniry
language: en
publication name: Share: Jurnal Ekonomi dan Keuangan Islam
issn: 2089-6239
copyright: SHARE allows the author(s) to hold the copyright and to retain the publishing rights without restrictions. Authors who publish with this journal agree to the following terms: Authors retain copyright and grant the journal a right of first publication with the work simultaneously licensed under a Creative Commons Attribution License (CC-BY-SA 4.0) that allows others to share the work with an acknowledgment of the work's authorship and initial publication in this journal. Authors are able to enter into separate, additional contractual arrangements for the non-exclusive distribution of the journal's published version of the work (e.g., post it to an institutional repository or publish it in a book), with an acknowledgment of its initial publication in this journal. Authors are permitted and encouraged to post their work online (e.g., in institutional repositories or on their website) prior to and during the submission process, as it can lead to productive exchanges, as well as earlier and greater citation of published work
items: Pengaruh Dana Pihak Ketiga, Tingkat Bagi Hasil dan Non Performing Financing Terhadap Volume dan Porsi Pembiayaan Berbasis Bagi Hasil pada Perbankan Syariah di Indonesia
items: Analysis of Government Budget in Islamic View: Case of Aceh Government Budget
items: Implementasi Maqashid Al-Syariah Terhadap Pelaksanaan CSR Bank Islam: Studi Kasus oada PT. Bank BRI Syariah
items: Determinant Factors Effecting Poverty Among New Converts in Selangor, Malaysia
items: Islamic Value-Driven Cooperation in Skills Acquisition and Mobility for Empowering Marginal Society
items: Manajemen Risiko Pembiayaan Qardhul Hasan Menurut Perspektif Ekonomi Islam (Studi pada Baitul Qiradh Amanah Banda Aceh)
items: Pengaruh Stabilitas Uang Kertas Terhadap Inflasi ditinjau Menurut Fiqh Muamalah
items: Analisis Manajemen Risiko Pembiayaan Musyarakah pada Baitul Qiradh Bina Insan Mandiri Banda Aceh
items: Analisis Manajemen Risiko Produk Kafalah (Studi pada Bank Muamalat Indonesia Banda Aceh)
items: Implikasi Kewenangan Dewan Pengawas Syariah Terhadap Sistem Pengawasan di Bank Aceh Syariah
items: Pemahaman Nasabah Bank Muamalat Indonesia Banda Aceh Terhadap Akad Mudharabah
items: Praktik dan Karakteristik Gadai Syariah di Indonesia
items: Analisis Ekonomi Islam Terhadap Praktik After Sales Service pada Mesin Fotocopy Bekas Pakai di Kota Banda Aceh
items: Analisis Perhitungan Royalty Fee Franchise Menurut Konsep Musyarakah: Studi pada Jarimatika Darussalam
items: Analisis Ekonomi Islam Terhadap Bagi Hasil Pembiayaan Mudharabah Untuk Usaha Mikro pada Baitul Qiradh Abu Indrapuri
items: Implikasi Perubahan Kebijakan Pola Pelunasan Pembiayaan Murabahah Pada PT. Bank Aceh Syariah Capem Sigli
items: Mekanisme Perhitungan Keuntungan dan Pengaruhnya Terhadap Bagi Hasil (Studi Terhadap Pembiayaan Mudharabah Pada BPRS Hikmah Wakilah Banda Aceh)
items: Prinsip dan Kriteria Periklanan dari Perspektif Islam
items: Prospek Pengembangan Perbankan Syariah Nasional Pasca Undang-Undang Perbankan Syariah (Analisis dengan Pendekatan Model Statistika Chow Test)
items: How to Implement Islamic Banking's CSR in the Society?
items: Gala dan Rahn: Analisis Korelasi dari Perspektif Ekonomi Islam
items: Analisis Penerapan Prinsip Mengenal Nasabah Pada Bank Aceh Syariah Banda Aceh
items: Implikasi Penetapan Margin Keuntungan pada Pembiayaan Murabahah (Suatu Studi dari Perspektif Islam pada Baitul Qiradh Amanah)
items: Islamisasi Ilmu Ekonomi Analisa Komparatif Kurikulum Jurusan SMI IAIN Ar-Raniry dan Jurusan Ekonomi IIUM
items: Pengaruh Pembelajaran Kewirausahaan Terhadap Motivasi Berwirausaha
items: Analisis Tingkat Kepuasan Nasabah Terhadap Nilai Pertanggungan Risiko Polis Fulnadi Pada Asuransi Takaful Keluarga Banda Aceh
items: Tingkat Keberhasilan Program Pendayagunaan Zakat Produktif pada Baitul Mal Provinsi Aceh
items: Analisis Sewa Menyewa Paralel pada Perusahaan Rent Car CV. Harkat dalam Perspektif Ekonomi Islam
items: Analisis Implementasi Konsep Kafalah pada Bank Syariah Mandiri Banda Aceh: Studi Terhadap Penyelesaian Kontra Garansi Sektor Konstruksi
items: Mengkritisi Teori Pembangunan Ekonomi Konvensional

Pengaruh Dana Pihak Ketiga, Tingkat Bagi Hasil dan Non Performing Financing Terhadap Volume dan Porsi Pembiayaan Berbasis Bagi Hasil pada Perbankan Syariah di Indonesia
type: item
description: This study aims to examine the impact of the third-party funds (DPK), profit sharing rate and non-performing financing (NPF) of the volume and financing portion of profit sharing based on Islamic banking. The sample of this study is seven Islamic banks with the purpose of research object are quarterly financial statements from June 2010 until September 201. Methods of data analysis are using multiple linear regression analysis. The results showed that, from the aspect of volume, DPK variable, profit sharing rate and NPF last period has a significant impact on the profit-sharing based on financing volume for the subsequent period. In the proportion aspect, it is found that the only variable level of revenue sharing finance portfolio of last period that significantly influences the results-based financing portion for the next period. ABSTRAK - Penelitian ini bertujuan untuk mengetahui pengaruh dana pihak ketiga (DPK), tingkat bagi hasil dan non-performing financing (NPF) terhadap volume dan porsi pembiayaan berbasis bagi hasil pada perbankan syariah. Sampel yang digunakan adalah tujuh bank umum syariah dengan objek penelitian laporan keuangan triwulan dari Juni 2010 hingga September 2013.Metode analisis data menggunakan analisis regresi linear berganda.Hasil penelitian menunjukkan bahwa, dari aspek volume, variabel DPK, tingkat bagi hasil dan NPF periode lalu berpengaruh signifikan terhadap volume pembiayaan berbasis bagi hasil periode berikutnya.Pada aspek proporsi ditemukan bahwa hanya variable tingkat bagi hasil penyaluran pembiayaan periode lalu yang berpengaruh signifikan terhadap porsi pembiayaan berbasis bagi hasil periode berikutnya.
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Third party funds
  topic: keywords
subject: profit-sharing rate
  topic: keywords
subject: Non Performing Finance
  topic: keywords
subject: financing volume
  topic: keywords
subject: financing portion
  topic: keywords
creator: Lintang Nurul Annisa
creator: Rizal Yaya
rights: Copyright (c) 2015 Lintang Nurul Annisa & Rizal Yaya https://creativecommons.org/licenses/by-sa/4.0
date: 2015-06-30
publication date: 2015-06-30
starting page: 79
ending page: 104
doi: 10.22373/share.v4i1.754

Analysis of Government Budget in Islamic View: Case of Aceh Government Budget
type: item
description: Aceh province has a special right to implement Sharia principles throughout the area (Law Number 11/2006) though Indonesia is not an Islam country. Among the Sharia laws implementation, government budget was one of the first to be carried out in the province. It was showed up as Zakat post in the APBD (local government budget). The issue is whether putting in the Zakat post was enough to demonstrate an Islamic based budget as well as the transparence of zakat disbursement. Therefore, this paper trying to analyze the existing budget based on Sharia principles (Islamic Law) as explained by Chaudhry (1999) and Kahf (1997) The provincial budget needs improvement to be more sharia compliance. Fulfilling the Sharia criterion consequently will improve the accountability, transparency and the fairness of the budget toward people needs and development enhancing. ABSTRAK - Aceh adalah provinsi yang memiliki hak khusus dalam mengimplementasikan prinsip- prinsip syariah dalam wilayahnya (Undang- Undang no.11 tahun 2006) walaupun Indonesia bukanlah suatu negara Islam. Diantara implementasi hukum syariah, anggaran pemerintah adalah satu hal yang pertama yang dikelola dalam provinsi ini. Hal ini muncul pada pos zakat pada APBD (Anggaranan Pengeluaran dan Belanja Daerah). Masalahnya adalah apakah penempatan dana Zakat sudah cukup untuk menunjukkan sebagai anggaran yang berbasis Islam serta transparansi dalam penyaluran zakat. Untuk itu paper ini bertujuan untuk menganalisis anggara yang ada berdasarkan prinsip- prinsip syariah (Hukum Islam) seperti yang telah dijelaskan oleh Chaudury (1999) dan Kahf (1997). Anggaran provinsi perlu perbaikan agar lebih patuh syariah. Dengan terpenuhinya kriteria syariah maka akan meningkatkan akuntabilitas, transparansi, dan keadilan dalam anggaran terhadap kebutuhan masyarakat dan meningkatkan pembangunan.
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Economic practices among Muslim communities
  topic: category
subject: Islamic management
  topic: category
subject: Budget system
  topic: keywords
subject: Zakat
  topic: keywords
subject: Aceh Government Province
  topic: keywords
creator: Putri Bintusy Syathi
creator: Abdul Ghafar Ismail
rights: Copyright (c) 2015 Putri Bintusy Syathi & Abdul Ghafar Ismail https://creativecommons.org/licenses/by-sa/4.0
date: 2015-06-30
publication date: 2015-06-30
starting page: 67
ending page: 78
doi: 10.22373/share.v4i1.727

Implementasi Maqashid Al-Syariah Terhadap Pelaksanaan CSR Bank Islam: Studi Kasus oada PT. Bank BRI Syariah
type: item
description: Corporate Social Responsibility is an obligation of a company. BRI Syariah as one of Islamic Financial Institution carries out the social responsibility program.This research aims at finding out the implementation of CSR program at BRISyariah using the perspective of Maqashid Syariah. Based on the categorization and qualification, the indicators measurement which gets along with Sharia principles is finally invented. The research was conducted at the unit of CSR of BRISyariah head office so that the data cover all of the implementation of CSR BRISyariah all over Indonesia. The method used was mixed methods research. The quantitative method was used for measuring the CSR program of BRISyariah which was categorized in the component of Maqashid Syariah and qualitative method was used for processing the data from the interview, observation, and literary review proposed to the manager of CSR BRISyariah. The result of the research indicates that the implementation of CSR at BRISyariah is relevant with al maqashid asy syariah. It is proven in the five main components of maqashid al syariah, which are 1) the protection of the Faith / religion, 2) the protection of life/human soul, 3) the protection of mind /intellect, 4) the protection of wealth, 5) The protection of lineage. While based on the measurement of maqashid al syariah to the CSR at BRISyariah it is known that the indicators of program according to maqashid syariah was the protection of human soul in 2012 with the total number of 30 activities spending 941.305.000 rupiah. The percentage of funding distribution of CSR was 46% and in 2013 there were 52 activities with the total funding of 985.870.000, the percentage of funding distribution was 50 %. ABSTRAK - Corporate Social Responsibility (CSR) atau tanggungjawab perusahaan adalah suatu kewajiban perusahaan. BRI Syariah adalah salah satu lembaga keuangan Islam yang menyelenggarakan program tanggungjawab sosial ini. Penelitian ini bertujuan untuk mengetahui impemen…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic philanthropy
  topic: category
subject: Islamic banking
  topic: category
subject: Islamic social finance
  topic: category
subject: CSR
  topic: keywords
subject: CSR in Islamic Bank
  topic: keywords
subject: Maqoshid al sharia
  topic: keywords
subject: Mixed Method
  topic: keywords
creator: Aan Finarti
creator: Purnama Putra
rights: Copyright (c) 2015 Aan Finarti & Purnama Putra https://creativecommons.org/licenses/by-sa/4.0
date: 2015-06-30
publication date: 2015-06-30
starting page: 37
ending page: 66
doi: 10.22373/share.v4i1.724

Determinant Factors Effecting Poverty Among New Converts in Selangor, Malaysia
type: item
description: The justice in Islam had attracted and opens the hearts of non-muslins to accept Islam. The justice and truthfulness of Islamic teaching attract the human to be part of its through conversion or reconciliation of hearts (Muallaf al-Qulub) and it is one of the zakat recipients mentioned in Al-Qur’an. In Selangor, zakat assistance to the new converts begins from the first day they become Muslims. The new Muslim would be immediately helped with MYR 500.00 monthly allowance for five years until they manage to act in accordance with Allah’s orders and to perform worshipping (Mukallaf). This paper identifies the factors of new converts’ poverty in Selangor, Malaysia using a logistic regression method. A set of survey questionnaires has been used in this research and 80 respondents were randomly selected from Selangor Zakat Centre (SZC) zakat recipient’s list from the New Converts category for nine districts of Selangor in 2013. We estimate the probability of households with specified characteristics to fall below Malaysia’s official poverty line. Results show that education, size, region, income and amount of zakat received significantly reduces the chance of being poor while gender, age, status were not a significant predictor. Thus, these statistical measures have proven the positive role of zakat in reducing poverty among the new converts. The findings have important policy implications for zakat institution and Malaysian government which has pledged to reduce overall poverty rate to 2.8 percent and eradicates hardcore poverty by 2010 under the Ninth Malaysian Plan. ABSTRAK - Keadilan dalam Islam telah menarik perhatian dan membuka hati non-muslim untuk menerima Islam. Keadilan dan kejujuran dalam ajaran Islam menarik banyak untuk masuk dalam Islam (Muallaf al-Qulub) dan mereka menjadi salah satu penerima zakat seperti disebutkan dalam Al Qur'an. Di Selangor, bantuan zakat kepada para muallaf dimulai pada hari pertama mereka menjadi umat Islam. Mualaf tersebut akan dib…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Economic practices among Muslim communities
  topic: category
subject: Islamic management
  topic: category
subject: Islamic philanthropy
  topic: category
subject: Islamic social finance
  topic: category
subject: Zakat
  topic: keywords
subject: Had Kifayah
  topic: keywords
subject: Household Head Gender
  topic: keywords
subject: New Convert
  topic: keywords
creator: Fuadah Johari
creator: Kalsom Abd Wahab
creator: Ahmad Fahme Mohd Ali
creator: Muhammad Ridhwan Abd Aziz
rights: Copyright (c) 2015 Fuadah Johari, Kalsom Abd Wahab, Ahmad Fahme Mohd Ali, Muhammad Ridhwan Abd Aziz https://creativecommons.org/licenses/by-sa/4.0
date: 2015-06-30
publication date: 2015-06-30
starting page: 21
ending page: 36
doi: 10.22373/share.v4i1.702

Islamic Value-Driven Cooperation in Skills Acquisition and Mobility for Empowering Marginal Society
type: item
description: Islam exhorts for cooperation in righteous and God conscious acts. This exhortation has individual and institutional implications for efforts geared towards promoting the welfare of less privileged marginal segment of society. Conceiving an institutional form of cooperation, this paper proposes and explains a program which will target at empowering this segment. The program is for developing non-professional skills which have to be founded on and inspired by the Islamic principles of cooperation and self-reliance. As non-professional skills are mostly learned informally and on-the-job, business houses will be the cooperator who will provide platforms for training. Members of a marginal segment of society will be the beneficiaries who will receive training for acquiring job skills and mobility towards achieving their self-reliance. Government organ will be a facilitating party that shall provide support for the collaborative venture to occur and sustain. Apart from Islamic principles of cooperation and self-reliance, this paper will draw upon the theory of social learning, theory of conforming to group norms and doctrine of market supervision (al-Hisbah) in Islamic civilization to expound the role of the triad—the cooperator, the beneficiaries, and the facilitator—in achieving the major outcomes of the program. ABSTRAK - Islam mendorong kerjasama dalam kebaikan dan bertindak semata-mata karena Allah. Dorongan ini memiliki implikasi individual dan institusional dalam upaya mensejahterakan masyarakat marjinal yang kurang beruntung. Dalam suatu bentuk upaya kerjasama secara institusional, artikel ini menawarkan dan menjelaskan suatu program yang akan menargetkan dalam memberdayakan segmen ini. Program ini bertujuan untuk mengembangkan keterampilan non-professional yang dibentuk dan didorong oleh prinsip-prinsip Islam dalam kerjasama dan kemandirian. Keterampilan non-professional sebagian besar dipelajari secara informal dan disaat bekerja, tempat-tempat bisnis akan menj…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Economic practices among Muslim communities
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: Islamic work ethics
  topic: category
subject: Cooperation
  topic: keywords
subject: self-reliance
  topic: keywords
subject: skills acquisition
  topic: keywords
subject: mobility
  topic: keywords
subject: al-Hisbah
  topic: keywords
creator: Abu Saim Mohammad Shahabuddin
creator: Muhammad Hedayatul Islam
rights: Copyright (c) 2015 Abu Saim Mohammad Shahabuddin & Muhammad Hedayatul Islam https://creativecommons.org/licenses/by-sa/4.0
date: 2015-06-30
publication date: 2015-06-30
starting page: 1
ending page: 20
doi: 10.22373/share.v4i1.699

Manajemen Risiko Pembiayaan Qardhul Hasan Menurut Perspektif Ekonomi Islam (Studi pada Baitul Qiradh Amanah Banda Aceh)
type: item
description: Qardhul hasan financing aims to help borrowers who have an urgency need, either for consumptive or productive purposes. This study aims to explore the mechanism of qardhul hasan financing at Baitul Qiradh (small Islamic rural bank) Amanah Banda Aceh and the strategic employed in managing its risk. This study used primary data that was obtained through field research and secondary data that was obtained through library research. The data was then analyzed using descriptive analysis technique. The findings show that the mechanism of qardhul hasan financing at Baitul Qiradh Amanah has several stages, namely application, analysis and investigation, decision, fund lending, and returning phase. The strategic used to prevent financing risk as follow: managing financing administrative, determining the terms and criteria, conducting analysis for customer prospective, assigning officers that supervise the financing activities and collect the monthly payments. For non-performing financing, the Baitul Qiradh employs risk management system strategic such as rescheduling and write off. Rescheduling was conducted by extending the payment due date, and write off was only given for customers who do not have any possibility to repay due to their condition of economy. ABSTRAK - Pembiayaan qardhul hasan bertujuan untuk menolong peminjam yang berada dalam keadaan terdesak, baik untuk hal-hal yang bersifat konsumtif maupun produktif. Penelitian ini bertujuan untuk mengeksplorasi mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah dan strategi penanggulangan risikonya. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis, sedangkan teknik pengumpulan data primer diperoleh melalui penelitian lapangan dan data sekunder melalui penelitian kepustakaan. Dari hasil penelitian dapat diketahui bahwa, mekanisme pembiayaan qardhul hasan pada Baitul Qiradh Amanah Banda Aceh memiliki beberapa tahap, yaitu tahap permohonan pembiayaan qardhul hasan, tahap analisis dan penyelid…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic microfinance
  topic: category
subject: Islamic social finance
  topic: category
subject: Risk Management
  topic: keywords
subject: Qardh Hasan
  topic: keywords
subject: Islamic Perspective
  topic: keywords
subject: Baitul Qiradh
  topic: keywords
creator: Bustami
rights: Copyright (c) 2014 Bustami https://creativecommons.org/licenses/by-sa/4.0
date: 2014-06-30
publication date: 2014-06-30
starting page: 80
ending page: 101
doi: 10.22373/share.v3i1.1056

Pengaruh Stabilitas Uang Kertas Terhadap Inflasi ditinjau Menurut Fiqh Muamalah
type: item
description: Nowadays, paper money is no longer backed by gold and silver and thus has become a fiat money, whereas standard money in Islamic economics is gold and silver. Consequently, this influences its purchasing power which then causes the increasing of a price of goods. This paper aims to examine the stability of paper money and its influence on inflation from an Islamic economics perspective. Data for this study was collected through library research. The data is then analyzed using descriptive analysis method which is a conceptual study that provides an overview of the influence of paper money toward inflation extensively. The research concludes that paper money does not have a stable value. When an excess amount of money is circulating within the community, the prices of goods is also increasing. The increasing quantity of money causes the increasing of people’s purchasing power while at the same time a number of goods are stable. This condition triggers instability in the economy that creates inflation. In Islamic economy, money is not limited only to the dinar and dirham, but also covering the whole of its kind as long as it can reflect its functions. From its nominal, paper money is included as a valuable asset, but not from its intrinsic value. Moreover, Islam allows the use of paper money as long as the money is able to reflect its function in the economy and able to act as a fair medium of exchange to create equilibrium in every aspect of life. ABSTRAK - Penggunaan uang kertas saat ini tidak lagi dibacking oleh emas dan perak, padahal standard uang dalam ekonomi Islam adalah emas dan perak, hal ini menyebabkan tidak stabilnya nilai mata uang kertas sehingga berpengaruh terhadap daya beli uang tersebut yang akhirnya juga berpengaruh terhadap kenaikan harga barang. Tulisan ini bertujuan untuk mengkaji pengaruh stabilitas uang kertas terhadap inflasi dari perspektif fiqh muamalah. Data untuk penelitian dikumpulkan melalui library research, yaitu pengumpulan data mela…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Economic practices among Muslim communities
  topic: category
subject: Islamic business
  topic: category
subject: Inflation
  topic: keywords
subject: paper money
  topic: keywords
subject: Islamic Economics
  topic: keywords
creator: Rohaya
creator: Nazaruddin A Wahid
rights: Copyright (c) 2014 Rohaya & Nazaruddin A Wahid https://creativecommons.org/licenses/by-sa/4.0
date: 2014-06-30
publication date: 2014-06-30
starting page: 56
ending page: 79
doi: 10.22373/share.v3i1.1055

Analisis Manajemen Risiko Pembiayaan Musyarakah pada Baitul Qiradh Bina Insan Mandiri Banda Aceh
type: item
description: Risk management is a set of procedures and methodologies that used to identify, measure, monitor and control of risks that could be aroused from the business of banks. This article aims to analyze the implementation of risk management system at Baitul Qiradh Bina Insan Mandiri and its impact on musharaka financing. The sample for this research is Micro Small Business Group at Kuta Alam’s regency which was financed by the Baitul Qiradh. Data for this research was gathered through interview, observation and documentation study. The findings suggest that there were three risk possibilities could escalate at the financing project, namely business risk, shrinking risk, and character risk. Among these risks, the Baitul Qiradh experiences two of them, which was business and character risks. Therefore, the efforts were made to minimize the risk of Baitul Qiradh Bina Insan Mandiri by applying 5C concept, namely character, capability, capital, condition and collateral). ABSTRAK - Manajemen risiko adalah serangkaian prosedur dan metodologi yang digunakan untuk mengidentifikasi, mengukur, memantau, dan mengendalikan risiko yang timbul dari kegiatan usaha bank. Tujuan penelitian adalah untuk menganalisis sistem manajemen risiko yang diimplementasikan pada Baitul Qiradh Bina Insan Mandiri dan dampaknya terhadap kelancaran pembayaran dalam pembiayaan musyarakah. Pembahasan kajian hanya terfokus ke manajemen risiko pembiayaan musyarakah pada kelompok usaha dalam Rumpun Kuta Alam yang dibina oleh Baitul Qiradh Bina Insan Mandiri Banda Aceh. Pengumpulan data dilakukan dengan wawancara, observasi, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa dalam melakukan pembiayaan tersebut Baitul Qiradh Bina Insan Mandiri tidak terlepas dari kemungkinan terjadinya 3 aspek risiko, yaitu risiko bisnis yang dibiayai (business risk), risiko berkurangnya nilai pembiayaan (shrinking risk), dan risiko karakter buruk mudharib (character risk). Dari ketiga aspek risiko tersebut, risiko pembiay…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic microfinance
  topic: category
subject: Risk Management
  topic: keywords
subject: Financing Risk
  topic: keywords
subject: Musyarakah
  topic: keywords
subject: Baitul Qiradh
  topic: keywords
creator: Badratun Nisak
creator: Azharsyah Ibrahim
rights: Copyright (c) 2014 Badratun Nisak & Azharsyah Ibrahim https://creativecommons.org/licenses/by-sa/4.0
date: 2014-06-30
publication date: 2014-06-30
starting page: 41
ending page: 55
doi: 10.22373/share.v3i1.1054

Analisis Manajemen Risiko Produk Kafalah (Studi pada Bank Muamalat Indonesia Banda Aceh)
type: item
description: Kafalah is a guarantee of a guarantor, either in the form of self-assurance and treasure to the second party in relation to the rights and obligations of both parties that the other party. In the banking sector, implementation of the concept is well known as a bank guarantee, which is a guarantee in the form of paper issued by the bank which resulted in the obligation to pay to the party receiving the collateral if the guaranteed party breaches the contract. This article aims to study the implementaion of kafalah product at BMI Banda Aceh including strategies in preventing risks related the products. It also examines the implementation of kafalah from an Islamic perspective. In finding the answer, this article employs qualitative approach. Data was collected through field research and library research which was then analyzed using descriptive analysis method. The results show that the product kafalah undertaken by BMI Branch of Banda Aceh is a form of insurance that includes guaranteed tender, performance bonds, warranties advance, and guarantee maintenance with a deposit of 100% cash collateral to the insurance value is small and a deposit of 60% of fixed asset plus 40% cash collateral for eprtanggungan whose value is greater than the value of the desired assurance customers. Moreover, the client or the insured must enter into cooperation agreements with project leaders to work on a particular project. Tips management undertaken by BMI Branch Banda is analyzing the customer or contractor using character analysis and collateral is more dominant than the overall analysis of 5C, because the BMI-related risks faced by the provision of guarantees / kafalah is credit risk and reputation risk. From the Islamic perspective, the implementation of kafalah has complied with Islamic jurisprudence. ABSTRAK - Pelaksanaan konsep kafalah pada perbankan lebih dikenal dengan istilah bank garansi, yang merupakan jaminan dalam bentuk warkat yang diterbitkan oleh bank yang mengakibatka…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Analysis
  topic: keywords
subject: Risk Management
  topic: keywords
subject: Kafalah
  topic: keywords
subject: Bank Muamalat Indonesia
  topic: keywords
creator: Satria Munawir
rights: Copyright (c) 2014 Satria Munawir https://creativecommons.org/licenses/by-sa/4.0
date: 2014-06-30
publication date: 2014-06-30
starting page: 21
ending page: 40
doi: 10.22373/share.v3i1.1052

Implikasi Kewenangan Dewan Pengawas Syariah Terhadap Sistem Pengawasan di Bank Aceh Syariah
type: item
description: The supervisory authority of the Sharia Supervisory Board (DPS) describes the role and response of DPS supervision system based on organizational structure. DPS positions of Bank Aceh Syariah are in parallel with the Board of Commissioners as authority staff. This study aims to find answers position and authority in the organizational structure and implication to supervision system in Bank Aceh Syariah. To obtain the answer, researchers used the descriptive analysis. Data collection methods used are field research through in-depth interviews, open questionnaire and literature through the conclusion of documentation legislation and organizational structure of Bank Syariah Aceh. DPS authority based on the organizational structure of Bank Syariah Aceh have two powers, as a staff and functional authority. Staff competencies associated with the position of the DPS as a giver of advice/ suggestions to the Board of Commissioners of Bank Aceh, while the functional authority related with the Division of Bank Aceh Syariah. The implication of DPS authority will influence with its performance on the activity /supervisory activities, frequency of meetings, and reporting systems. DPS Bank Syariah Aceh still running system indirect supervision based on the activity reporting and sharia opinion. ABSTRAK - Kewenangan pengawasan Dewan Pengawas Syariah (DPS) menggambarkan peran dan respon pengawasan DPS dalam sistem Pengawasan struktur organisasi. Bank Aceh Syariah menempatkan DPS setara dengan Dewan Komisaris dengan garis kewenangan staff. Permasalahan muncul ketika pengawasan DPS dari segi aktivitas dan sistem pengawasan tidak sesuai dengan aspek perundang-undangan dan gambaran dalam struktur organisasi. Penelitian ini bertujuan mencari jawaban persoalan pokok mengenai perangkat yuridis yang digunakan dalam pengawasan DPS, kedudukan dan kewenangan dalam struktur organisasi, dan sistem pengawasan dalam operasionalisasi bank Aceh Syariah. Untuk memperoleh jawaban tersebut, peneliti me…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Authority
  topic: keywords
subject: Supervisory System
  topic: keywords
subject: Bank Aceh Syariah
  topic: keywords
creator: Hafiizh Maulana
rights: Copyright (c) 2014 Hafiizh Maulana https://creativecommons.org/licenses/by-sa/4.0
date: 2014-06-30
publication date: 2014-06-30
starting page: 1
ending page: 20
doi: 10.22373/share.v3i1.1051

Pemahaman Nasabah Bank Muamalat Indonesia Banda Aceh Terhadap Akad Mudharabah
type: item
description: Knowledge and understanding of mudharabah products in Islamic banking is necessity for the customers. Mudharabah is one of banking products pose a great risk, because this involves both the investors and the costumers. For the case of Bank Muamalat Indonesia, customer’s lack of understanding on the mudharabah contract may elevate disputes related to the financing offered by the bank as investor and consequently to the consensus of profit sharing ratio. This study aims to discuss and identify the link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh branch. This is a field research that utilized a quantitative approach in gathering data. The results obtained are analyzed using the SPSS software. The finding shows that there is a link between the understanding and the conflicts that occur in Bank Muamalat Indonesia Banda Aceh. The higher level of customer’s understanding towards the product, the smaller risk of conflict may occur. Thus, the data analysis concludes that there is a small positive relationship between customers' understanding of the mudharabah contract and the disputes possibility. ABSTRAK - Pengetahuan dan pemahaman nasabah terhadap produk mudharabah dalam perbankan syariah sangat diperlukan oleh semua nasabah. Mudharabah adalah salah satu produk perbankan yang menimbulkan resiko yang besar, ini karena akad ini melibat dua pihak, yaitu investor dan nasabah. Pada kasus Bank Muamalat Indonesia, kurangnya pemahaman nasabah terhadap produk Mudharabah akan mendatangkan kemungkinan timbulnya sengketa berkaitan pembiayaan yang dikeluarkan oleh bank sebagai shahibul maal dan kesepakatan nisbah pembagian keuntungan. Kajian ini bertujuan untuk membahas dan mengenal pasti kaitan antara kepahaman dengan konflik yang terjadi di Bank Muamalat Indonesia cabang Banda Aceh. Kajian ini merupakan kajian lapangan dengan menggunakan pendekatan kuantitatif dalam mendapatkan data. Temuan data lapangan dianalisis dengan menggunakan S…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Economic practices among Muslim communities
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Mudharabah
  topic: keywords
subject: Institusi Keuangan Islam
  topic: keywords
subject: Bank Muamalat Indonesia
  topic: keywords
creator: Iskandar
creator: Ilhaamie Abdul Ghani Azmi
creator: Azian Madun
rights: Copyright (c) 2026 Iskandar, Ilhaamie Abdul Ghani Azmi, Azian Madun https://creativecommons.org/licenses/by-sa/4.0
date: 2012-12-31
publication date: 2012-12-31
starting page: 163
ending page: 174
doi: 10.22373/share.v1i2.723

Praktik dan Karakteristik Gadai Syariah di Indonesia
type: item
description: The practice of pawn has grown so fast in Indonesia until the last 2010 as society needed fund easily to meet their basic need such as for school fee and debt payment. This inspired some Islamic banks and pawn shops to participate in providing this service. In fact, some Islamic banks were interested in offering this service and one pawn shop which spin off their unit to Islamic one to provide this service. Thus, this research was conducted to analyze Islamic pawn (rahn) practices in Indonesia. It focuses in the practice and characteristics of pawn service on Islamic bank and pawn shop. In addition, characteristics of interested clients would be an interesting issue that is needed to be explored further. The result may indicate that Islamic banks still less efficient due to insufficient funds and pawn shop has inherent expertise in this area. In addition, precautionary motive may dominant from client’s perspective and shariah compliances are main factors why they chose rahn. ABSTRAK - Sampai akhir 2010, praktik Gadai di Indonesia tumbuh sangat cepat seiring dengan meningkatnya kebutuhan masyarakat akan dana cepat untuk memenuhi kebutuhan dasar mereka. Faktor ini menginspirasi beberapa bank syariah dan lembaga pegadaian untuk membuka layanan jasa gadai di tempat mereka. Faktanya, ada beberapa bank syariah yang tertarik untuk membuka layanan jasa dengan berbasis syariah dan malah sebuah perusahaan penggadaian melakukan spin off terhadap unit usaha mereka untuk melakukan pelayanan yang berbasis syariah. Penelitian ini bertujuan untuk menganalisis praktik gadai syariah di Indonesia. Fokus kajian ini terletak pada praktik dan karakteristik dari pelayanan gadai pada perbankan syariah dan Pegadaian Syariah. Selain itu, karakteristik nasabah juga menjadi isu penting untuk dikaji. Hasil kajian ini mengindikasikan bahwa praktik gadai di perbankan syariah masih kurang efisien dibandingkan dengan praktik di Pegadaian Syariah akibat terbatasnya jumlah dana yang tersedia, dan min…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Economic practices among Muslim communities
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Pawn
  topic: keywords
subject: Rahn
  topic: keywords
subject: Syariah
  topic: keywords
subject: Bank
  topic: keywords
subject: Akuntansi
  topic: keywords
creator: Naida Nur Alfisyahri
creator: Dodik Siswantoro
rights: Copyright (c) 2012 Naida Nur Alfisyahri & Dodik Siswantoro https://creativecommons.org/licenses/by-sa/4.0
date: 2012-12-31
publication date: 2012-12-31
starting page: 118
ending page: 141
doi: 10.22373/share.v1i2.721

Analisis Ekonomi Islam Terhadap Praktik After Sales Service pada Mesin Fotocopy Bekas Pakai di Kota Banda Aceh
type: item
description: The objective of this article is to analyze the implementation of after sales service on used photocopy machine in Banda Aceh from an Islamic economic perspective. The analysis is conducted through the exploration of the mechanism of sale and purchase transactions and after-sales service system of the used photocopy machine. Data for this study was gathered through interviews and observations. Due to wide coverage area, the sample for this study was limited to eight units, which consist of four sellers and four buyers. The selection was determined by cluster sampling technique. The gathered data was then analyzed using descriptive analysis method. The findings showed that the implementation of the after sales service on the used photocopy machine in Banda Aceh was indicating to contain fraud such as gharar (uncertainty) element, price manipulation element, and the 'coercion' element causing the unhappiness so that it can harm customers which impact on the loss of the maslahah values in muamalah. In other words, the practice of after-sales service of used copier machines in Banda Aceh not fully comply with Islamic economic principles. ABSTRAK - Penelitian ini secara umum bertujuan untuk menganalisis praktik after sales service (layanan purna jual) mesin fotocopy bekas pakai di Kota Banda Aceh dari perspektif ekonomi Islam. Analisis tersebut dilakukan melalui eksplorasi terhadap mekanisme transaksi jual beli dan sistem jasa layanan purna jual mesin fotocopy bekas pakai tersebut. Data untuk penelitian dikumpulkan melalui wawancara dan observasi. Karena wilayah populasi penelitian yang terlalu besar, maka penulis memilih delapan sampel penelitian, yakni empat sampel toko yang menjual mesin fotocopy bekas pakai, dan empat sampel toko yang menjadi konsumen mesin fotocopy bekas pakai. Pemilihan tersebut dilakukan dengan teknik cluster sampling. Data yang terkumpul kemudian dianalisis dengan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa layanan purna jual m…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: After-sales service
  topic: keywords
subject: used sale and purchase
  topic: keywords
subject: Islamic economic
  topic: keywords
subject: Banda Aceh
  topic: keywords
creator: Akhyar Rinaldi
creator: Azharsyah Ibrahim
rights: Copyright (c) 2013 Akhyar Rinaldi & Azharsyah Ibrahim https://creativecommons.org/licenses/by-sa/4.0
date: 2013-12-31
publication date: 2013-12-31
starting page: 215
ending page: 246
doi: 10.22373/share.v2i2.1499

Analisis Perhitungan Royalty Fee Franchise Menurut Konsep Musyarakah: Studi pada Jarimatika Darussalam
type: item
description: This study aims to analyze the calculation of royalty fee at a franchise of Jarimatika in Darussalam Banda Aceh from musyarakah perspective and analyze the strategy employed in solving the dispute. Data was gathered through an in-depth interview and documentation study. The results indicated that in general the calculation of royalty fee was based on profit sharing system, where the total revenue minus 15% operating expenses for the franchisor, and the rest is shared 40% for the franchisor and 60% for the franchisee. Although the system seems normal, the determination 15% of operating cost, however, created a problem for the franchisee as the total income received was not cover the regular operational costs. Consequently, the franchisee unable to fulfill its obligation of paying the royalty fees on time. To solve this problem, the franchisor provide an extension for the franchisee to pay the royalty fee. However, during the grace period, the franchisee was not allowed to order the equipment needed to run the operation. As a result, it created another problem for the franchisee as it would not be able to run the operation due to insufficient equipment. ABSTRAK - Penelitian ini bertujuan untuk menganalisis perhitungan royalty fee pada franchise Jarimatika Darussalam dalam perpektif musyarakah, dan strategi yang digunakan dalam penyelesaian masalah profit sharing di Jarimatika tersebut. Data penelitian dikumpulkan melalui wawancara mendalam dan studi dokumentasi. Data yang terkumpul kemudian dianalisis dengan metode deskriptif analisis. Hasil dari penelitian ini menunjukkan bahwa mekanisme perhitungan royalty fee pada Jarimatika Darussalam menggunakan sistem profit sharing, dimana total pendapatan dikurangi beban operasional sebesar 15%, dan sisanya dibagi dua bagian, franchisor 40% dan franchisee 60%. Dalam kenyataannya, penetapan biaya beban operasional yang fix sebesar 15 % ini yang menyebabkan franchisee mengalami kerugian atau defisit pendapatan, karena biaya oper…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: Royalty Fee
  topic: keywords
subject: Franchise
  topic: keywords
subject: Musyarakah
  topic: keywords
subject: Jarimatika
  topic: keywords
creator: Nurjannah MR
creator: Nazaruddin A Wahid
rights: Copyright (c) 2013 Nurjannah MR & Nazaruddin A. Wahid https://creativecommons.org/licenses/by-sa/4.0
date: 2013-12-31
publication date: 2013-12-31
starting page: 119
ending page: 150
doi: 10.22373/share.v2i2.1495

Analisis Ekonomi Islam Terhadap Bagi Hasil Pembiayaan Mudharabah Untuk Usaha Mikro pada Baitul Qiradh Abu Indrapuri
type: item
description: This study generally aims to analyze the concept of mudharabah financing in Baitul Qiradh (BQ) Abu Indrapuri for micro-enterprises. Specifically, the paper reviews the systems implemented in the management and revenue-sharing mechanisms derived from these micro-enterprises. This study employs primary and secondary data which were collected through interview and documentation studies. The data were analyzed using descriptive analysis method. The findings show that generally the concept of mudharabah financing in BQ Abu Indrapuri is based on Fatwa Dewan Syariah Nasional No. 07/DSN/MUI/IV/2000. In the implementation level, however, the application of profit sharing and collateral system was not fully shariah compliance. The imbalance between the concept and implementation because the BQ still refers to the conventional banking rules. ABSTRAK - Penelitian ini secara umum bertujuan untuk menganalisis konsep pembiayaan mudharabah pada Baitul Qiradh (BQ) Abu Indrapuri untuk usaha mikro. Secara spesifik, tulisan mengkaji tentang sistem yang diterapkan dalam pengelolaan dan mekanisme pembagian pendapatan yang diperoleh dari usaha mikro tersebut. Penelitian ini menggunakan data primer dan sekunder yang dikumpulkan dengan teknik wawancara bebas, dan studi dokumentasi. Data yang diperoleh dianalisis dengan menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa secara umum konsep pembiayaan mudharabah pada BQ Abu Indrapuri berpedoman pada Fatwa Dewan Syariah Nasional No.07/DSN/MUI/IV/2000. Akan tetapi, dalam implementasinya masih terdapat hal-hal yang tidak sesuai dengan konsep syariah yaitu pada sistem bagi hasil dan jaminan. Terdapat ketimpangan antara konsep dan implementasi disebabkan karena BQ Abu Indrapuri masih mengacu pada aturan sistem perbankan konvensional.
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic microfinance
  topic: category
subject: Mudharabah Financing
  topic: keywords
subject: Micro-enterprises
  topic: keywords
subject: Profit Sharing
  topic: keywords
subject: BQ Abu Indrapuri
  topic: keywords
creator: Jumadi
rights: Copyright (c) 2013 Jumadi https://creativecommons.org/licenses/by-sa/4.0
date: 2013-06-30
publication date: 2013-06-30
starting page: 90
ending page: 118
doi: 10.22373/share.v2i1.1419

Implikasi Perubahan Kebijakan Pola Pelunasan Pembiayaan Murabahah Pada PT. Bank Aceh Syariah Capem Sigli
type: item
description: Bank Aceh Syariah has altered its policy on the installment pattern of murabahah financing as of December 2010. This changing was triggered by the decrease of margin in Bank Aceh Syariah. Therefore, this study aims at studying the mechanism of installment of murabahah financing before and after the policy changes. This article also intends to identify the risks that appears due to the decrease of margin in Bank Aceh Syariah and also analyze the view of Islamic economis towards the changes. Data for this study was gathered through intreview, observation and documentation study. The data was analyzed using descriptive analysis method. The findings show that there are two mechanisms of installment for murabaha financing at the bank. In first mechanism, bank only required its customers to pay the remaining installment plus the administrative cost, whereas in second mechanism after the policy change, bank provide discount to the customer. The risk encounter is the decrease of income for the bank itself. In Islamic economics perspective, the policy changes on murabahah financing is allowed with the condition no party is harmed and the agreed price on is the final price. ABSTRAK - Bank Aceh Syariah telah melakukan perubahan kebijakan pola pelunasan pembiayaan murabahah periode maju pada awal Desember 2010. Perubahan ini disebabkan karena adanya penurunan margin pada Bank Aceh Syariah. Oleh karena itu, tulisan ini bertujuan untuk mengkaji mekanisme pelunasan pembiayaan murabahah periode maju sebelum dan sesudah adanya perubahan kebijakan. Tulisan ini juga akan mengidentifikasi resiko yang timbul akibat adanya penurunan margin pada Bank Aceh Syariah atas pembiayaan nasabah dan menganalisis pandangan ekonomi Islam terhadap perubahan tersebut. Data untuk penelitian ini dikumpulkan melalui wawancara dan observasi serta studi dokumentasi. Analisis data menggunakan metode deskriptif analisis. Hasil penelitian menunjukkan bahwa terdapat perbedaan mekanisme pelunasan pembiayaan mur…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Murabahah Financing
  topic: keywords
subject: Pattern Policy
  topic: keywords
subject: Bank Aceh Syariah
  topic: keywords
creator: Uswatun Hasanah
creator: Azharsyah Ibrahim
rights: Copyright (c) 2013 Uswatun Hasanah & Azharsyah Ibrahim https://creativecommons.org/licenses/by-sa/4.0
date: 2013-06-30
publication date: 2013-06-30
starting page: 63
ending page: 89
doi: 10.22373/share.v2i1.1405

Mekanisme Perhitungan Keuntungan dan Pengaruhnya Terhadap Bagi Hasil (Studi Terhadap Pembiayaan Mudharabah Pada BPRS Hikmah Wakilah Banda Aceh)
type: item
description: This study aims to determine the process of calculating the profit of mudharabah financing at BPRS Hikmah Wakilah from an Islamic perspective and its influence on profit sharing. It also aims to explore the mechanism of adjusting the profit-sharing ratio, and the effect of calculating the profitability of mudharabah financing on profit sharing. The method of this research is descriptive analysis. The research data is collected through library research and field research. The results showed that the calculation of profit sharing PT. BPRS Hikmah Wakilah uses revenue sharing system in accordance with the National Sharia Board Fatwa No.15/DSN-MUI/IX/2000 About Principles of Distribution of Business Results in Sharia Financial Institutions. While in the calculation of profit, the BPRS refers to the percentage of total financing and average income earned by the customer and projected the same profit sharing during the financing period. Profit calculation significantly affects the percentage of profit sharing and the period of profit received by the bank. ABSTRAK - Penelitian ini bertujuan untuk mengetahui proses perhitungan keuntungan pembiayaan mudharabah pada BPRS Hikmah Wakilah ditinjau menurut hukum Islam, mekanisme penyesuaian nisbah pembagian keuntungan, serta pengaruh perhitungan keuntungan pembiayaan mudharabah terhadap bagi hasil. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis. Pengumpulan data penelitian dilakukan melalui library research dan field research. Teknik pengumpulan data melalui wawancara dan studi dokumentasi. Hasil penelitian menunjukkan bahwa perhitungan bagi hasil, PT. BPRS Hikmah Wakilah menggunakan sistem revenue sharing sesuai dengan Fatwa Dewan Syariah Nasional No.15/DSN-MUI/IX/2000 Tentang Prinsip Distribusi Hasil Usaha Dalam Lembaga Keuangan Syariah. Sementara dalam melakukan perhitungan keuntungan, BPRS merujuk pada persentase jumlah pembiayaan dan pendapatan rata-rata yang diperoleh nasabah serta memproyeksi bagi has…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Mudharabah Financing
  topic: keywords
subject: Profitabilitiy
  topic: keywords
subject: Profit Sharing
  topic: keywords
creator: Wardiah
creator: Azharsyah Ibrahim
rights: Copyright (c) 2013 Wardiah & Azharsyah Ibrahim https://creativecommons.org/licenses/by-sa/4.0
date: 2013-06-30
publication date: 2013-06-30
starting page: 26
ending page: 45
doi: 10.22373/share.v2i1.1403

Prinsip dan Kriteria Periklanan dari Perspektif Islam
type: item
description: Advertising in marketing Islamic products must be believed and understood as an important part in marketing based on Islam which should not be separated. This paper examines the principles and criteria of the advertising in the perspective of Islam. It is caused by the increasing of the companies and institutions which is based on Islamic values such as Islamic financial institutions that promote its products the consumers. The important issues discussed in this paper is how the real of concepts, principles and criteria of Islamic advertising? Therefore this paper is developing an advertising concept from the perspective of Islam and to know for sure whether the principles and criteria that should exist in advertising Islam. The methodology applied in this paper is through literature review by using content analysis. Hopefully, this study could develop an Islamic perspective advertisement concept in terms of principles and criteria. ABSTRAK - Periklanan dalam memasarkan produk-produk Islam harus diyakini dan di pahami merupakan bahagian penting dalam pemasaran yang berdasarkan Islam yang tidak boleh dipisahkan. Tulisan ini mengkaji prinsip-prinsip dan kriteria periklanan dalam perspektif Islam. Hal ini disebabkan semakin ramai dan tingginya pertumbuhan perusahaan dan institusi yang berlandaskan nilai-nilai Islam seperti institusi keuangan Islam yang mempromosikan produk dan perkhidmatannya kepada orang ramai. Persoalan penting yang dibahas dalam kertas kerja ini adalah bagaimanakah bentuk konsep, prinsip dan kriteria periklanan Islam yang sebenarnya? Oleh karena itu tujuan kertas kerja ini adalah untuk membangun satu konsep periklanan dari perspektif Islam dan untuk mengenal pasti apakah prinsip-prinsip serta kriteria yang seharusnya ada dalam periklanan Islam. Metodologi kajian yang digunakan dalam kertas kerja ini adalah metode kepustakaan dengan menggunakan analisis isi. Kajian ini diharapkan dapat membentuk konsep periklanan dalam perspektif Islam dari segi prin…
subject: Articles
  topic: section
subject: Advertising
  topic: keywords
subject: Islamic perspective
  topic: keywords
creator: Teuku Meldi Kesuma
rights: Copyright (c) 2012 Teuku Meldi Kesuma https://creativecommons.org/licenses/by-sa/4.0
date: 2012-06-30
publication date: 2012-06-30
starting page: 59
ending page: 82
doi: 10.22373/share.v1i1.718

Prospek Pengembangan Perbankan Syariah Nasional Pasca Undang-Undang Perbankan Syariah (Analisis dengan Pendekatan Model Statistika Chow Test)
type: item
description: This article aims to determine the influence of Undang-Undang Perbankan Syariah (UUPS) on the growth of Islamic banking industry in Indonesia. The data was analyzed using econometric software, SHAZAM version 10.1. This study employs Ordinary Least Square (OLS), and Chow Test was utilized as statistical instrument. The findings show that UUPS did not have significant influence on the growth of Islamic banking in Indonesia. This was indicated by fact that third party fund (DPK), number of depositors and amount of financing were not growing significantly. In addition, the application of Profit-Loss Sharing (PLS), as the core principle in Islamic banking operation, also did not show any significant change. This was supported by the fact that murabahah product was still dominant within the financing portfolio of Islamic banking in Indonesia. ABSTRAK - Penelitian ini bertujuan untuk mengetahui sejauhmana pengaruh Undang-Undang Perbankan Syariah (UUPS) terhadap pertumbuhan industri perbankan syariah nasional. Metode analisis yang dipakai adalah Ordinary Least Square (OLS), dengan instrumen statistik Chow Test. Pengolahan data menggunakan program ekonometrika SHAZAM Versi 10.1. Hasil penelitian menunjukkan bahwa UUPS tidak mempunyai pengaruh yang signifikan terhadap pertumbuhan industri perbankan syariah secara umum. Dana Pihak Ketiga, Jumlah Nasabah dan Pembiayaan tidak mengalami perubahan sama sekali. Disamping itu, penerapan sistem bagi hasil Profit-Loss Sharing (PLS) yang merupakan prinsip utama operasional perbankan syariah, juga tidak mengalami perubahan yang signifikan. Ini ditunjukkan dengan pembiayaan produk murabahah masih mendominasi portofolio pembiayaan industri perbankan syariah nasional.
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Growth of Islamic banking
  topic: keywords
subject: Undang-Undang Perbankan Syariah
  topic: keywords
subject: Chow Test
  topic: keywords
creator: Bismi Khalidin
rights: Copyright (c) 2012 Bismi Khalidin https://creativecommons.org/licenses/by-sa/4.0/
date: 2012-06-30
publication date: 2012-06-30
starting page: 16
ending page: 40
doi: 10.22373/share.v1i1.715

How to Implement Islamic Banking's CSR in the Society?
type: item
description: The concept of CSR began in the West in the 1970s, and discussions on the concept of CSR often focused on the view that is founded on the norms, cultures, and beliefs of the West. The Western perspective of CSR has become common practice for a corporation to run CSR programs. One of the goals of Islamic banking operations is to increase economic growth towards a better and just society. Therefore, Islamic CSR in IBIs should be underpinned by Islamic philosophy that differs from the Western perspective. This study aims to examine the implementation of Islamic CSR in IBIs in society based on the underpinning of Islamic philosophy. This study relies on secondary data to explore the basic sources of Islam using content analysis. The study found that the implementation of Islamic corporate social responsibility on IBIs in society should be guided by two Islamic principles: first, the application of maslahah (the public good), which provides a better framework that managers can use when faced with potential conflicts arising from diverse expectations and interests of any corporation’s stakeholders. Secondly, corporate social responsibility programs should pay more attention to the importance of social capital in society. The corporate social responsibility practices in Islamic banking should not only be based on responsibility al-kifayah (obligatory upon the community) and get a positive corporate image but can also be deemed a method to alleviate poverty and achieve the true economic goals of Islam. ABSTRACT - Konsep CSR dimulai di Barat pada era 1970-an sehingga bahasan CSR seringkali dipengaruhi oleh norma-norma, budaya dan keyakinan masyarakat Barat. Pandangan ini kemudian mempengaruhi praktik banyak perusahaan dalam program CSR-nya. Dalam Islam, perusahaan seperti Institusi Perbankan Syariah (IPI) diarahkan untuk meningkatkan pertumbuhan ekonomi umat dengan adil and merata sehingga pelaksanaan CSR dalam filosofi Islam berbeda dengan konsep Barat. Artikel ini bertujua…
subject: Articles
  topic: section
subject: Islamic business
  topic: category
subject: Islamic work ethics
  topic: category
subject: Islamic banking
  topic: category
subject: Islamic Corporate Social Responsibility
  topic: keywords
subject: Islamic Banking
  topic: keywords
subject: I-CSR
  topic: keywords
subject: Islamic Social Finance
  topic: keywords
creator: Muhammad Yasir Yusuf
rights: Copyright (c) 2012 https://creativecommons.org/licenses/by-sa/4.0
date: 2012-06-30
publication date: 2012-06-30
starting page: 1
ending page: 15
doi: 10.22373/share.v1i1.714

Gala dan Rahn: Analisis Korelasi dari Perspektif Ekonomi Islam
type: item
description: Gala is a term used by the society of Aceh—a formal Islamic state in Indonesia—referring to an economic transaction similar to the concept of pawn in Western. The concept has long been practiced in the society and left many unsolved problems. Lately, academic scholars have questioning the implementation of the concept. Although, it has root in Islam, some scholars suspect that the concept has been misguiding in its practices. This paper intends to analyze the implementation of the Gala concept in the Acehnese society through their economic transactions. It also aims to make a comparison to an Islamic economic’s concept known as Rahn. The primary data is mainly gathered through observation in the length of 5 years in the selected areas in Aceh. To support the data, an in-depth interview technique with relevant people was also used. In addition, the secondary data from journal’s articles, books, and other related literatures were also utilized. Data was analyzed using content and comparative analysis. The findings show that the basic purpose of Gala in the Acehnese society is relevant to the Rahn scheme. In the implementation level, however, the concept is closely related to the interest lending scheme which is considered as riba (usury) in Islam. Consequently, the balanced-economy as one of the core concepts in Islamic economic is not achieved. It is reflected from the continuance benefits gaining for one party while another party gaining nothing except the core objects which has to be repaid. In Islam, the principal meaning of Rahn is helping each other among Islamic society (ummah). Thus, it is prohibited of gaining any material benefit which leads to the riba practices. Finally, this article suggests the related parties to return to the core concept of the Gala which is actually same as Rahn or else they should abandon it to avoid harming the ummah. ABSTRAK - Gala adalah salah satu dari sekian banyak bentuk praktik ekonomi yang berkembang dalam masyarakat Aceh sej…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Gala
  topic: keywords
subject: Islamic Economic
  topic: keywords
subject: Rahan
  topic: keywords
subject: Gadai
  topic: keywords
creator: Azharsyah Ibrahim
rights: Copyright (c) 2012 Azharsyah Ibrahim https://creativecommons.org/licenses/by-sa/4.0/
date: 2012-06-30
publication date: 2012-06-30
starting page: 41
ending page: 49
doi: 10.22373/share.v1i1.716

Analisis Penerapan Prinsip Mengenal Nasabah Pada Bank Aceh Syariah Banda Aceh
type: item
description: This study aims to identify the systems and procedures that is applied at Bank Aceh Syariah (BAS) Banda Aceh in knowing of its customers. In specific, it aims to analyze the effectiveness of the implementation of Knowing Your Customer (KYC) Principle at BAS. This study employs both primary and secondary data which was obtained through field and library research. The data was analyzed using descriptive analysis method. The results show that in knowing its customers, BAS Banda Aceh taken several steps of customer identification includes the identity check, occupation, source of funds, and the purpose of the use of funds. The implementation of the KYC principle in BAS Banda Aceh has effectively overcome and prevented the banking crimes such as money laundering. The implementation of the principle is intended to embolden the implementation of prudential principles in order to reduce business risks such as operational risk, legal risk, concentration risk, and reputational risk. ABSTRAK - Penelitian ini bertujuan untuk mengidentifikasi sistem dan prosedur yang diterapkan Bank Aceh Syariah (BAS) Banda Aceh dalam mengenal nasabah. Secara khusus, penelitian bertujuan untuk menganalisis efektifitas penerapan Prinsip Mengenal Nasabah pada BAS. Data untuk penelitian ini bersumber dari data primer melalui kajian lapangan, dan data sekunder melalui kajian kepustakaan. Analisis data menggunakan metode deskriptif analisis. Dari hasil penelitian dapat diketahui bahwa sistem dan prosedur yang diterapkan BAS Banda Aceh dalam mengenal nasabah yaitu identifikasi calon nasabah yang meliputi identitas, pekerjaan, sumber dana dan tujuan penggunaan dana yang dilengkapi dokumen pendukung. Penerapan Prinsip Mengenal Nasabah (Know Your Customer Principle) pada BAS Banda Aceh efektif dalam mengatasi kejahatan-kejahatan dalam dunia perbankan seperti pencucian uang. Penerapan prinsip tersebut dimaksudkan agar mendorong terselenggaranya prinsip kehati-hatian dalam rangka mengurangi risiko usaha ya…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Know Your Customer Principle
  topic: keywords
subject: Islamic Banking
  topic: keywords
subject: Bank Aceh Syariah
  topic: keywords
creator: Husnawati
rights: Copyright (c) 2013 Husnawati https://creativecommons.org/licenses/by-sa/4.0
date: 2013-06-30
publication date: 2013-06-30
starting page: 46
ending page: 62
doi: 10.22373/share.v2i1.1404

Implikasi Penetapan Margin Keuntungan pada Pembiayaan Murabahah (Suatu Studi dari Perspektif Islam pada Baitul Qiradh Amanah)
type: item
description: Murabahah is a particular kind of sale that compliant with shariah. In this scheme, the seller expressly mentions the cost he/she incurred on the commodities for sale and sells it to another person by adding some profit thereon which is known to the buyer. It is one of the most popular modes used by Islamic banks. With its fixed margin, it offers the seller a more predictable income stream. This study aims to analyze the implications of the determination of the profit margin for the murabahah financing at an Islamic microfinance called Baitul Qiradh Amanah. Primary data was collected mainly through interviews and observation. The observation was conducted for about two months. During the observation process, co-researcher was directly involved as a trainee at the Baitul Qiradh. Interviews were conducted to clarify some unclear information that was obtained through observation. To strengthen the primary data, the secondary data is also utilized through books, magazines, and other studies. The secondary data is then compared with the findings from the field which is then analyzed using content analysis. The results showed that the profit margins in the initial of profit determination unilaterally bring both positive and negative implications for the clients and the Baitul Qiradh itself. The positive implication is (1) the Baitul Qiradh is able to predict its profit and (2) the clients are prevented from the risk of inflation or economic crisis. While the negative implications are (1) eliminating bargaining power of clients and (2) affect to customer satisfaction that lead to the decrease of number of customers of the Baitul Qiradh. ABSTRAK - Pembiayaan murabahah adalah jual beli barang pada harga pokok dengan tambahan keuntungan yang disepakati. Dalam skema ini, margin keuntungan biasanya ditetapkan di awal sebelum transaksi terjadi. Penelitian ini bertujuan untuk menganalisis implikasi penetapan margin keuntungan pembiayaan pada sebuah lembaga keuangan mikro syariah,…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic microfinance
  topic: category
subject: Baitul Qiradh
  topic: keywords
subject: Murabahah
  topic: keywords
subject: Profit Margin
  topic: keywords
creator: Azharsyah Ibrahim
creator: Fitria
rights: Copyright (c) 2012 Azharsyah Ibrahim & Fitria https://creativecommons.org/licenses/by-sa/4.0
date: 2012-12-31
publication date: 2012-12-31
starting page: 142
ending page: 162
doi: 10.22373/share.v1i2.722

Islamisasi Ilmu Ekonomi Analisa Komparatif Kurikulum Jurusan SMI IAIN Ar-Raniry dan Jurusan Ekonomi IIUM
type: item
description: There is a growing trend in the Muslim world to restructure modern knowledge and discipline in line with Islamic epistemological principles. Islamic economics, in particular, receives wide attention among scholars. Islamic economics is currently moving from a mere discourse on economics in Islamic perspective towards becoming a distinct discipline marked by a complete body of knowledge, clear subject matter, methodology/methodologies to appraise theories and continuous grow of knowledge. At the practical level, the universities all around the world are offering various subjects on Islamic economics and finance. There are significant attempts have been made to structure new framework of economics curriculum by incorporating various discipline of Islamic economics. The paper attempts to observe and survey the Islamization of knowledge program at the International Islamic University Malaysia and IAIN Ar-Raniry Banda Aceh Indonesia. A comparative analysis on the teachings and syllabus of Islamic economics, banking and finance in both universities will be made. Some recommendations on the structure and program of Islamic economics at IAIN Ar-Raniry which is going to be officiated as Islamic University will also be outlined. ABSTRAK - Saat ini sedang berkembang tren di dunia muslim untuk merestrukturisasi pengetahuan modern dan disiplin sesuai dengan prinsip epistemologis Islam. Ekonomi Islam, khususnya, mendapatkan perhatian luas di kalangan ilmuwan. Ekonomi Islam saat ini bergerak dari sekadar wacana tentang ekonomi dalam perspektif Islam menjadi disiplin yang berbeda ditandai dengan tubuh pengetahuan yang lengkap, materi pelajaran yang jelas, metodologi untuk menilai teori dan pengetahuan yang tumbuh secara terus-menerus. Pada tingkat praktis, saat ini universitas di seluruh dunia saat ini menawarkan berbagai mata pelajaran ekonomi dan keuangan Islam. Ada upaya-upaya signifikan yang telah dilakukan untuk membangun kerangka kerja baru kurikulum ekonomi dengan memasukkan…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: Islamization of Knowledge
  topic: keywords
subject: Islamic Economics
  topic: keywords
subject: Islamic University
  topic: keywords
subject: Curriculum
  topic: keywords
creator: Hafas Furqani
rights: Copyright (c) 2012 Hafas Furqani https://creativecommons.org/licenses/by-sa/4.0
date: 2012-12-31
publication date: 2012-12-31
starting page: 83
ending page: 98
doi: 10.22373/share.v1i2.719

Pengaruh Pembelajaran Kewirausahaan Terhadap Motivasi Berwirausaha
type: item
description: This study aims to explain the influence of entrepreneurship learning towards motivation to conduct business among students of Faculty of Ushuluddin at the Imam Bonjol State Institute of Islamic Studies of Padang. Data for this study was gathered through population of students from four departments within the faculty, namely: Psikologi Islam (PI), Tafsir Hadist (TH), Perbandingan Agama (PA), Aqidah Filsafat (AF). Off the population, 92 students were chosen for the sample. Observation, questionnaire, and documentation were employed as the technique of data gathering. The findings show that there was a significant influence between the entrepreneurship learning and motivation to conduct business among students of Faculty of Ushuluddin IAIN Imam Bonjol Padang. ABSTRAK - Penelitian ini bertujuan untuk menjelaskan pengaruh pembelajaran kewirausahaan terhadap motivasi berwirausaha mahasiswa Fakultas Ushuluddin Institut Agama Islam Negeri (IAIN) Imam Bonjol Padang. Data penelitian ini diperoleh dari responden yang berasal dari Fakultas Ushuluddin IAIN Imam Bonjol Padang, yang terdiri dari empat jurusan: Psikologi Islam (PI), Tafsir Hadist (TH), Perbandingan Agama (PA), Aqidah Filsafat (AF) dengan jumlah sampel sebanyak 92 orang. Pengumpulan data dilakukan dengan observasi langsung, angket dan dokumentasi. Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan antara pembelajaran kewirausahaan dengan motivasi berwirausaha mahasiswa Fakultas Ushuluddin IAIN Imam Bonjol Padang.
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: Enterpreneurship
  topic: keywords
subject: Learning
  topic: keywords
subject: Motivation
  topic: keywords
creator: Reza Fahmi
rights: Copyright (c) 2012 Reza Fahmi https://creativecommons.org/licenses/by-sa/4.0
date: 2012-12-31
publication date: 2012-12-31
starting page: 99
ending page: 117
doi: 10.22373/share.v1i2.720

Analisis Tingkat Kepuasan Nasabah Terhadap Nilai Pertanggungan Risiko Polis Fulnadi Pada Asuransi Takaful Keluarga Banda Aceh
type: item
description: Takaful insurance is a shariah insurance that aims to minimize the loss of a risk. One of its flagship products is Fulnadi, this product is devoted to prepare children insurance to pursue their bachelor degree. This study aims to determine the effect of payment of claims benefits on the satisfaction of Fulnadi product participants and to know the procedure of claim benefit payment from risk insurance policy Fulnadi at PT. Takaful Insurance Family, Banda Aceh. This research applies both qualitative and quantitative approach through descriptive analysis. The data were taken through library research and field research, with the technique of collecting interview data, study of documentation and technique of questionnaire. The results revealed that the Family Takaful Insurance, especially Fulnadi, is a product that diverts the risk of children who could not continue their education if something bad happens in life, for the transfer of this risk the participant must pay the premium. The amount of paid premium greatly affects a number of benefits received. Other results indicate that 50% of participants expressed dissatisfaction with the benefits of claims received for the educational needs of the participating children. ABSTRAK - Asuransi takaful adalah asuransi syariah yang bertujuan untuk memperkecil kerugian dari suatu risiko. Salah satu produk unggulannya adalah Fulnadi, produk ini dikhususkan untuk mempersiapkan anak dalam hal pendidikan sampai sarjana. Penelitian ini bertujuan untuk mengetahui pengaruh pembayaran manfaat klaim terhadap kepuasan peserta produk Fulnadi dan untuk mengetahui prosedur pembayaran manfaat klaim dari pertanggungan risiko polis Fulnadi pada PT. Asuransi Takaful Keluarga Banda Aceh. Penelitian ini menggunakan pendekatan kualitatif dan kuantitatif yang bersifat deskriptif analisis. Data yang diambil yaitu library research dan field research, dengan teknik pengumpulan data wawancara, telaah dokumentasi dan teknik kuesioner. Hasil penelitian men…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic insurance
  topic: category
subject: Customer Satisfaction
  topic: keywords
subject: Insurance
  topic: keywords
subject: Takaful
  topic: keywords
subject: Fulnadi
  topic: keywords
subject: Risk
  topic: keywords
creator: Saudatul Fitri
creator: Muhammad Arifin
rights: Copyright (c) 2013 Saudatul Fitri & Muhammad Arifin https://creativecommons.org/licenses/by-sa/4.0
date: 2013-12-31
publication date: 2013-12-31
starting page: 188
ending page: 214
doi: 10.22373/share.v2i2.1498

Tingkat Keberhasilan Program Pendayagunaan Zakat Produktif pada Baitul Mal Provinsi Aceh
type: item
description: This research generally aims to analyze the implementation of zakah productive at Baitul Mal Aceh on the ‘becak mesin’ and ‘perdagangan' programs. In specific, it aims to analyze the successful variation between the two programs, and the Baitul Mal evaluation pattern in measuring the accomplishment level of the mustahik (zakah beneficiaries). Data for this study were collected through interviews, observation, questionnaire and documentation study. To analyze the data, it employed the comparative descriptive method which at first exposed the utilization pattern of zakah productive and followed by the comparison between the two programs. The results show that ’perdagangan’ program relatively receives higher successful rate comparing to the other program. It reveals that in the ’perdagangan’ program, the mustahik was guided and mentored up to several stages so that the mustahik will completely be able to stand alone. While for the mustahiq of ’becak mesin’ program, they were just only guided until they were able to pay back the initial loan. Following to the payback, they were completely unsupervised. This study suggests that the Baitul Mal should also provide supervision for the mustahik of ‘becak mesin’ thoroughly similar to the mustahik of ‘perdagangan’ program so that the mustahik will also receive similar accomplishment. ABSTRAK - Penelitian ini secara umum bertujuan untuk menganalisis implementasi pendayagunaan zakat produktif pada Baitul Mal Aceh dalam program becak mesin dan perdagangan. Secara khusus penelitian ini bertujuan untuk menganalisis perbedaan tingkat keberhasilan antara program becak mesin dan perdagangan serta dan pola evaluasi Baitul Mal dalam mengukur tingkat keberhasilan mustahik. Data dalam penelitian ini dikumpulkan melalui wawancara, observasi, angket dan data dokumentasi. Analisis data menggunakan metode deskriptif komparatif dengan memaparkan terlebih dahulu pola pendayagunaan zakat produktif, selanjutnya dari data yang ada akan dibandingka…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic management
  topic: category
subject: Islamic philanthropy
  topic: category
subject: Islamic social finance
  topic: category
subject: Zakat productive
  topic: keywords
subject: Baitul Mal Aceh
  topic: keywords
subject: 'Becak Mesin’ Program
  topic: keywords
subject: Perdagangan’ Program
  topic: keywords
creator: Nurlaila
creator: Nevi Hasnita
rights: Copyright (c) 2013 Nurlaila & Nevi Hasnita https://creativecommons.org/licenses/by-sa/4.0
date: 2013-12-31
publication date: 2013-12-31
starting page: 170
ending page: 187
doi: 10.22373/share.v2i2.1497

Analisis Sewa Menyewa Paralel pada Perusahaan Rent Car CV. Harkat dalam Perspektif Ekonomi Islam
type: item
description: This study aims at determining the parallel process of car rental agreement between Harkat Rent Car Company and the owner of the car, and between the company and its customers in an Islamic economics perspective. This study also aims to analyze the risk coverage of the leased car. The data for this study was gathered through interviews, observation and documentation studies. The collected data was then analyzed using descriptive analysis method. Results showed that the process of car leasing begin when customer rented a car from CV. Harkat which was owned by its partner. The company provided a shared price for car owners according to a mutual agreement and applied only for a certain period. Furthermore, the partner has to allocate 20 percent of the income for the company. In addition, the company also required the partner to cover for maintenance costs, insurance, equipment, and spare parts. In the context of Islamic economics, the practice of leasing parallel conducted by the company was not fully Shariah compliance due to practice a lease above a lease and using two contracts in one transaction. ABSTRAK - Penelitian ini bertujuan untuk mengetahui perjanjian sewa menyewa mobil secara paralel antara Perusahaan Rent Car CV. Harkat dengan pemilik mobil dan dengan konsumennya dalam perspektif ekonomi Islam. Penelitian ini juga bertujuan untuk menanganalisis pertanggungan resiko terhadap mobil yang dijadikan objek sewa menyewa tersebut sewa menyewa mobil di Perusahaan Rent Car CV. Data untuk penelitian ini bersumber dari wawancara, obesrvasi dan studi dokumentasi. Metode yang digunakan dalam penelitian ini adalah deskriptif analisis. Hasil penelitian menunjukkan bahwa CV. Harkat menyewakan mobil milik mitra kerjanya (pemilik mobil) kepada pelanggan yang membutuhkan sewa mobil untuk keperluannya. Pemilik usaha memberikan harga kongsi kepada pemilik mobil sesuai dengan kesepakatan bersama dan untuk jangka waktu tertentu. Selanjutnya, pemilik mobil harus menyisihkan sebany…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic management
  topic: category
subject: Ijarah
  topic: keywords
subject: Car Owner
  topic: keywords
subject: Tenant
  topic: keywords
subject: Object Rental
  topic: keywords
subject: Fiqh Muamalah
  topic: keywords
creator: Samsuardi
creator: Muhammad Maulana
rights: Copyright (c) 2013 Samsuardi & Muhammad Maulana https://creativecommons.org/licenses/by-sa/4.0
date: 2013-12-31
publication date: 2013-12-31
starting page: 151
ending page: 169
doi: 10.22373/share.v2i2.1496

Analisis Implementasi Konsep Kafalah pada Bank Syariah Mandiri Banda Aceh: Studi Terhadap Penyelesaian Kontra Garansi Sektor Konstruksi
type: item
description: The study in general aims to study the procedure of bank guarantee in Bank Syariah Mandiri (BSM) Banda Aceh. In specific, this article analyzes the implementation of kafalah concept in resolving counter-guarantee for construction sector in the BSM. The data was gathered through interview with related parties and documentation study of relevant literatures. The collected data was then analyzed using descriptive analysis which included exposing, interpretation, and analysis. The findings show that in order to be approved for the product, customers are required to provide cash guarantees that cover tender, performance, cash advance, and maintenance with a minimum deposit is 10% of the total required amount of financing. In solving the counter-guarantee for the construction sector, the bank asked customers to immediately pay the shortage funds that has been converted to qardh financing in customers’ consent. In case of they do not wish repay or do not accept the convertion, the resolution has to be seek through Badan Arbitrase Syariah as governed by National Sharia Board No.11/DSN-MUI/V/2000. In general, the implementation of kafalah concept in solving the counter-guarantee for construction sector in BSM Banda Aceh has fulfilled shariah compliance especially the maslahah element. It was urgently needed in conducting various economics activities. ABSTRAK - Penelitian ini secara umum bertujuan untuk mengkaji prosedur pemberian bank garansi di Bank Syari’ah Mandiri (BSM) Banda Aceh. Secara khusus, artikel ini menganalisis pengaplikasian konsep kafalah dalam penyelesaian kontra garansi untuk sektor konstruksi pada BSM tersebut. Pengumpulan data dilakukan melalui wawancara dengan pihak-pihak terkait dan studi dokumentasi terhadap bahan-bahan yang relevan dengan bidang penelitian. Data yang terkumpul kemudian dianalisis dengan metode deskriptif analitis dengan cara pemaparan data yang meliputi penguraian, penafsiran dan analisis. Hasil penelitian menunjukkan bahwa dalam pembe…
subject: Articles
  topic: section
subject: Islamic economics
  topic: category
subject: Islamic business
  topic: category
subject: Islamic finance
  topic: category
subject: Islamic banking
  topic: category
subject: Bank Guarantees
  topic: keywords
subject: Counter-Guarantee
  topic: keywords
subject: Assurance of Cooperation
  topic: keywords
subject: Islamic Law
  topic: keywords
subject: Kafalah
  topic: keywords
creator: Hamdani
rights: Copyright (c) 2013 Hamdani https://creativecommons.org/licenses/by-sa/4.0
date: 2013-06-30
publication date: 2013-06-30
starting page: 1
ending page: 25
doi: 10.22373/share.v2i1.1421

Mengkritisi Teori Pembangunan Ekonomi Konvensional
type: item
description: The failure of western economists to identify the factors that cause of the differences in economic growth within a country over time and differences in economic growth between countries are because of their weaknesses and ignorance. Besides, the ignorance of the role of science in the early emergence of the theory of economic development, until now they still deny the presence of the grace of Allah SWT as the most important factor causing the ongoing economic development of the people. Because of the high value of science in Islam, then the mastery of science comprehensively and completely will allow Muslims to build its economy. However, economic development of the people will never apply without the blessing of Allah through His grace stream. This paper is to review and uncover the weakness of western economic growth theory since the theory was first initiated. Although, initially the western economists had ignored the role of science as one important indicator of economic development, then in the end of 2nd millennium they have a mastery of knowledge is absolutely necessary to develop the economy of the country. It is clearly shows that, finally the western economists were forced to admit the truth of the words of Allah that has been poured in the Muslim holy book, Al Qur'an, about the importance of the role of sciences in life in this world. ABSTRAK - Kegagalan para ahli ekonomi barat untuk mengidentifikasi faktor-faktor penyebab terjadinya perbedaan pertumbuhan ekonomi dalam sebuah negara dari masa ke masa dan perbedaan pertumbuhan ekonomi antar negara adalah mutlak disebabkan oleh kedhaifan dan kejahilan mereka sendiri. Selain sempat mengabaikan peran ilmu pengetahuan pada awal-awal kemunculan teori pembangunan ekonomi, hingga detik ini mereka masih menafikan kehadiran rahmat Allah SWT sebagai faktor terpenting penyebab berlangsungnya pembangunan ekonomi umat. Karena tingginya nilai ilmu pengetahuan dalam Islam, maka penguasaan ilmu pengetahuan secara kompreh…
subject: Articles
  topic: section
subject: Economic Theory
  topic: keywords
subject: Economic Development
  topic: keywords
creator: M. Shabri Abd. Majid
rights: Copyright (c) 2026 M. Shabri Abd. Majid https://creativecommons.org/licenses/by-sa/4.0
date: 2012-06-30
publication date: 2012-06-30
starting page: 50
ending page: 58
doi: 10.22373/share.v1i1.717