Implementasi Ijārah Dan Imbt Pada Bank Bri Syariah Cabang Yogyakarta

Sartika, Mila; Adinugraha, Hendri Hermawan

doi:10.21580/economica.2016.7.1.1034

Cited by 8 publications

(10 citation statements)

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“…Samsarah/simsar's work in the form of brokers, distributors, agents and so on in Islamic jurisprudence including the ijarah contract, which is a transaction utilizing the services of others in exchange for (Bahrudin, 2019). Al-ijarah comes from the word al-ajru which means to replace (Sartika & Adinugraha, 2016).…”

Section: Dropshipping Is a Buying And Selling Solution: Islamic Economic Perspectivementioning

confidence: 99%

The Mu’alamah Dropshipping System: Islamic Economic Perspective

Adinugraha¹,

Mukhtarom²,

Muhtarom³

2021

Oikonomika: J. Kaji. Ekonomi dan Keuang. Syariah

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This research aims to explain the mu’alamah dropshipping system from an Islamic economic perspective. This study uses a literature or library research method which is sourced from authoritative data and sources, such as books and journals that are still relevant to the focus and discussion of this research. The results of the study concluded that allowing transactions that continue to develop in progress in the economy as long as they do not violate and do not contradict Islamic principles, dropshipping transactions which have now become a custom in society are allowed as long as the perpetrator understands the procedures for transactions, because the system is vulnerable and leads to the cancellation of a contract, namely selling goods that do not belong to him, and the development of technology greatly influenced the development of legal edicts that urged them to be issued. However, on many sides, with the legal norms that have been summarized by previous scholars by looking at the equality of legal ‘illat, it can be found that fast and precise legal answers can be found to determine the law in every legal event for which there is no clear legal provision in al- Qur'an and as-Sunnah.

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Section: Dropshipping Is a Buying And Selling Solution: Islamic Economic Perspectivementioning

confidence: 99%

The Mu’alamah Dropshipping System: Islamic Economic Perspective

Adinugraha¹,

Mukhtarom²,

Muhtarom³

2021

Oikonomika: J. Kaji. Ekonomi dan Keuang. Syariah

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“…Sebelum penelitian ini dilaksanakan penulis, ada beberapa riset yang telah mengkaji, meneliti dan membuat tulisan mengenai pelaksanaan Ijarah Muntahiya Bitamlik (IMBT). Riset yang dilakukan oleh Mila Sartika & Hendri Hermawan Adinugraha (2016) dari Universitas Dian Nuswantoro Semarang dengan judul "Implementasi akad Ijarah dan Ijarah Muntahiyya Bitamlik pada Bank BRI Syariah cabang Yogyakarta". Dari penelitian ini menunjukan bahwa implementasi pembiayaan ijārah dan ijārah muntahiyah bi al-tamlīk pada Bank BRI Syariah tersebut memiliki kesamaan proses dengan pembiayaan murābahah.…”

Section: Kerangka Teoritis Dan Pengembangan Hipotesisunclassified

Analisis Penurunan Nasabah Pembiayaan KPR IB Dengan Akad Ijarah Muntahiyyah Bittamlik (IMBT) Di Bank Syariah XYZ

2021

j. akunt. BERKELANJUTAN INDONESIA

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The Ijarah Muntahiyyah Bit Atamlik (IMBT) contract for KPR IB products at Sharia Bank XYZ from 2008 to 2015 has reached 90% of the total portfolio financing, but since 2016 to date, financing customers with IMBT contracts have decreased, recorded at the end of December 2019 only 16% of the total financing. However, the decline in financing customers with the IMBT agreement did not affect the increasing total financing. This study aims to find the causes of the decline in the financing portfolio with the IMBT contract and the policies taken by Sharia Bank XYZ to overcome this decline. Among the results of this research using qualitative methods, it is concluded that the decline in customers with IMBT contracts is caused by internal and external factors. Internal factors are caused by the lengthy on the Internal Rate Return obtained by the bank and the difficulty in increasing the rental margin due to prior customer approval. Meanwhile, external factors are caused by the character of customers who find it difficult to accept if there is an increase in rental margins. From these two factors, Sharia bank XYZ seeks to make policies by reducing and limiting financing products with the IMBT contract and increasing the marketing of financing products with other contracts such as Murabahah or other contracts.Keywords: Declining customer; Ijarah Muntahiyah Bittamlik; Internal and External Factors. AbstrakAkad Ijarah Muntahiyah Bit Atamlik (IMBT) untuk produk KPR IB di Bank Syariah XYZ sejak tahun 2008 hingga tahun 2015 mencapai 90% portofolio dari total pembiayaan, namun sejak tahun 2016 hingga saat ini nasabah pembiayaan dengan akad IMBT semakin menurun tercatat pada akhir Desember 2019 hanya tinggal 16% dari total pembiayaan. Akan tetapi menurunnya nasabah pembiayaan dengan akad IMBT tersebut tidak berpengaruh terhadap total pembiayaan yang semakin meningkat. Penelitian ini bertujuan mencari penyebab turunnya portofolio pembiayaan dengan akad IMBT dan kebijakan yang diambil Bank Syariah XYZ untuk mengatasi penurunan tersebut. Di antara hasil penelitian dengan metode kualitatif ini menyimpulkan bahwa penurunan nasabah dengan akad IMBT disebabkan oleh faktor internal dan eksternal. Faktor internal disebabkan oleh lamanya tingkat pengembalian Internal Rate Return yang didapat oleh bank dan sulitnya menaikkan margin sewa karena harus ada persetujuan nasabah terlebih dahulu. Sedangkan faktor eksternal disebabkan oleh karakter dari nasabah yang sulit menerima jika ada kenaikan margin sewa. Dari dua faktor tersebut Bank Syariah XYZ mengambil kebijakan dengan mengurangi dan membatasi produk pembiayaan dengan akad IMBT serta meningkatkan pemasaran produk pembiayaan dengan akad lain seperti murabahah atau akad yang lainnya.Kata Kunci: Penurunan Nasabah; Ijarah Muntahiyah Bittamlik; Faktor Internal dan Eksternal.

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“…Berdasarkan kaidah fiqih tersebut dapat di ambil kesimpulan bahwa aqad ijarah muntahiyah bi at-tamlik diperbolehkan sesuai dengan fatwa tersebut, akan tetapi dari pembolehan tersebut tetap diberikan beberapa ketentuan yang harus diperhatikan agar aqad tersebut tidak bertentangan dengan kaidah-kaidah agama. Ijarah muntahiyah bi at-tamlik (IMBT) adalah kepemilikan suatu manfaat (jasa) berupa barang yang jelas dalam tempo waktu yang jelas, diikuti dengan adanya pemberian kepemilikan suatu barang yang bersifat khusus dengan adanya perpindahan hak, dari hak sewa menjadi hak milik pada akhir masa perjanjian (Sartika & Adinugraha, 2016).…”

Section: Praktek Leasing Dalam Masyarakatunclassified

Praktik Leasing di Indonesia dalam Tinjauan Hukum Islam

Azwarfajri

Najib

2021

istidlal

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The development of leasing in Indonesia was in line with the development of banking, both bank and non-bank institutions. This development was certainly inseparable from the demands and needs of the community that they cannot fulfil on their own. The emerging financing institutions carry out activities in the form of providing funds or capital goods by not withdrawing funds directly from the public. The existence of leasing as a means for developing investment financing and empowering the community's economy was still considered to have several problems. Although the practice of leasing in Islamic law was equated with the contract of ijarah vomitiyah bi at-tamlik, in practice in Indonesia the process of leasing agreement was considered fasid, because there was an element of ambiguity in the contract agreement as regulated in the provisions of multi-aqad agreements, both conventional and sharia. This research will discuss the practice of financing in the community categorized as leasing under the provisions of applicable law and a review of Islamic law on the implementation of such leasing.

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Implementasi Ijārah Dan Imbt Pada Bank Bri Syariah Cabang Yogyakarta

Abstract: Abstract

Cited by 8 publications

References 0 publications

The Mu’alamah Dropshipping System: Islamic Economic Perspective

The Mu’alamah Dropshipping System: Islamic Economic Perspective

Analisis Penurunan Nasabah Pembiayaan KPR IB Dengan Akad Ijarah Muntahiyyah Bittamlik (IMBT) Di Bank Syariah XYZ

Praktik Leasing di Indonesia dalam Tinjauan Hukum Islam

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