Critical Study the Application of the Principle of Profit Sharing in Syirkah Mudharabah and Musyarakah in Islamic Banking

Nasim, Arim; Mediawati, Elis

doi:10.18502/kss.v3i13.4289

Cited by 4 publications

(4 citation statements)

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“…Bank syariah sebagai intermediasi masyarakat diharapkan mampu tampil memberikan yang terbaik jika dibandingkan dengan bank konvensional. Keberadaan bank syariah ini dengan mengunakan konsep pelarangan penerapan bunga dalam berbagai transaksi karena termasuk riba (Uusmani and Taqī ʻUs̲ mānī, 2002); (Chong & Liu, 2009); (Farooq, 2011); (Tho'in, Irawati & Lee, 2018); (Nasim & Mediawati, 2019). Umat Islam dan seluruh masyarakat tentunya sangat mengharapkan bank syariah ini dapat berkembang semakin baik serta tingkat kesehatan keuangannya juga bagus.…”

Section: Pendahuluanunclassified

Analisis Kesehatan Keuangan Bank Syariah Mandiri Ditinjau dari Faktor Permodalan (CAR), Pembiayaan (FDR), Profitabilitas (ROA & ROE) Serta Risiko Kredit (NPF)

Diharto¹

2020

JIEI

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The aims of the research is to find out the financial soundness of Bank Syariah Mandiri (BSM) seen from the capital factor (CAR), financing (FDR), profitability (ROA & ROE), and credit risk (NPF). This research uses quantitative descriptive methods. The data used are the 2014-2018 financial statements. The results of this study indicate that BSM in terms of capital using the CAR ratio shows an average CAR ratio of 14.75%. This means that BSM in terms of capital is ranked very well. This means that BSM's ability to generate profits is ranked quite well. Bank Syariah Mandiri in terms of financing using the FDR ratio shows an average FDR ratio of 79.81%. This means that BSM's ability to repay short-term loans and meet agreed financing is at a healthy rating. Bank Syariah Mandiri in terms of profitability using the ROA and ROE ratio shows an average ROA of 0.53% and ROE of 6%. Bank Syariah Mandiri in terms of credit risk using the NPF ratio shows an average NPF ratio of 3.18%. This means that there is very little credit provided by Bank Syariah Mandiri and the bank is viewed from the aspect of credit risk, including in a good rating. From the results of these research, indicate that the the soundness level of Bank Syariah Mandiri (BSM) is in a good level of soundness.

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Section: Pendahuluanunclassified

Analisis Kesehatan Keuangan Bank Syariah Mandiri Ditinjau dari Faktor Permodalan (CAR), Pembiayaan (FDR), Profitabilitas (ROA & ROE) Serta Risiko Kredit (NPF)

Diharto¹

2020

JIEI

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“…Islamic banks are part of Islamic entities that function as intermediary institutions which are expected to be able to present themselves better compared to non-Islamic banks. The birth of Islamic banks with a different concept, namely to prohibit the application of interest in all banking transactions because it includes the category of usury (Tho'in, Irawati & Lee, 2018); (Nasim & Mediawati, 2019); (Chong & Liu, 2009); (Farooq, 2011); (Uusmani & Taqī ʻUs̲ mānī, 2002).…”

Section: Introductionmentioning

confidence: 99%

Analysis of Islamic Bank's Soundness Level Using Capital Ratio, Profitability, Financing, and Credit Risk

Tho'in¹

2021

Proceedings of the 1st International Conference on Social Science, Humanities, Education and Society Development, ICONS 2020, 3

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The aims of the research are to find out the soundness level of Islamic banks seen from the capital ratio, profitability, financing, and credit. Islamic banking financial institutions which are the focus of this research are Bank Syariah Mandiri (BSM). This research uses quantitative descriptive methods. The data used are the 2014-2018 financial statements. The results of this study indicate that Bank Syariah Mandiri in terms of capital using the CAR ratio shows an average CAR ratio of 14.75%. This means that BSM in terms of capital is ranked very well. Bank Syariah Mandiri in terms of profitability using the ROA and ROE ratio shows an average ROA of 0.53% and ROE of 6%. This means that BSM's ability to generate profits is ranked quite well. Bank Syariah Mandiri in terms of financing using the FDR ratio shows an average FDR ratio of 79.81%. This means that BSM's ability to repay short-term loans and meet agreed financing is at a healthy rating. Bank Syariah Mandiri in terms of credit risk using the NPF ratio shows an average NPF ratio of 3.18%. This means that there is very little credit provided by BSM and the bank is viewed from the aspect of credit risk, including in a good rating. From the results of these studies, indicate that the soundness level of Bank Syariah Mandiri is in a good level of soundness.

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“…According to Nasim & Mediawati,(2019), musyarakah is about a contract of cooperation among capital owners who mix their capital for profit-making purposes. In musyarakah, partners and fund owners, for example, banks, jointly provide capital to finance particular existing or new businesses.…”

Section: Introductionmentioning

confidence: 99%

Risk Management of Musyarakah Mutanaqisah Contract in Sharia Banks in Indonesia: Legal and Operational Issues

Santoso

Harsanto²,

Sulila

et al. 2020

IJABIM

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This paper discusses how to solve problems occurring in the risk management of musyarakah mutanaqisah contract on home financing in sharia banks in Indonesia, particularly on its legal and operational issues. This study used a qualitative method using library data collection techniques and interviews. The study found that legal and operational risk management issues could be satisfactorily resolved by agreement of rescheduling, adding new conditions, and using new structures in accordance with Islamic teachings and applicable positive laws. In addition, ownership proof of some is needed to minimize the risk for the bank and the customer.

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Critical Study the Application of the Principle of Profit Sharing in Syirkah Mudharabah and Musyarakah in Islamic Banking

Abstract: .

Cited by 4 publications

References 0 publications

Analisis Kesehatan Keuangan Bank Syariah Mandiri Ditinjau dari Faktor Permodalan (CAR), Pembiayaan (FDR), Profitabilitas (ROA & ROE) Serta Risiko Kredit (NPF)

Analisis Kesehatan Keuangan Bank Syariah Mandiri Ditinjau dari Faktor Permodalan (CAR), Pembiayaan (FDR), Profitabilitas (ROA & ROE) Serta Risiko Kredit (NPF)

Analysis of Islamic Bank's Soundness Level Using Capital Ratio, Profitability, Financing, and Credit Risk

Risk Management of Musyarakah Mutanaqisah Contract in Sharia Banks in Indonesia: Legal and Operational Issues

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