Sejarah Pembangunan Hukum Perbankan Syariah Di Indonesia

Umam, Khotibul

doi:10.25123/vej.3629

Cited by 4 publications

(5 citation statements)

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“…Pengembalian pembiayaan merupakan salah satu bentuk perilaku yang berkaitan dengan faktor ekonomi. Pengembalian pembiayaan juga merupakan aspek penting yang perlu diperhatikan keberlangsungannya oleh pihak perbankan, hal ini mengingat semakin baiknya pengembalian pembiayaan dalam suatu kegiatan operasional perbankan maka kegiatan pemodalan dapat dikatakan sehat (Umam & Utomo, 2016). Fungsi PNM sebagai lembaga penyaluran modal tentunya harus memastikan bahwa kebutuhan dana deposan dapat terpenuhi kapanpun juga, yang artinya kebutuhan likuiditas perbankan tercukupi, untuk memastikan kebutuhan likuiditas tercukupi, maka perlu melakukan monitoring dan pengawasan yang ketat dan baik pada dana yang tersalurkan dalam bentuk pembiayaan.…”

Section: Kajian Teoriunclassified

Pengaruh Pembiayaan Murabahah dan Lama Pengembalian Pembiayaan terhadap Perkembangan UMKM pada PNM Mekaar Syariah

Cut Diah Syavira,

Kamilah K,

Nurul Inayah

2024

MAMEN: Jurnal Manajemen

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The aim of this research is to find out whether murabahah financing and the length of murabahah repayment have an effect on the development of UMKM. This research method is quantitative research, the research location studied is PT Permodalan Nasional Madani Mekaar Syariah Percut Sei Tuan Branch. The population in this study were 100 customers of PT Permodalan Nasional Madani Mekaar Syariah Percut Sei Tuan Branch, the samples taken were customers of PT Permodalan Nasional Madani Mekaar Syariah Percut Sei Tuan Branch, the data analysis technique used in this research was multiple linear regression analysis. The results of this research are that murabahah financing has an influence on the development of UMKM, we can see this from the calculated t-value for the financing variable (X1) of 5.813 > t-table value of 1.66071 and the significance is smaller than 0.05 (0.0491 < 0 .05). For the murabahah return time variable, the t-calculated value for the return time variable (X2) is 3.825 > t-table value 1.66071 and the significance is smaller than 0.05 (0.005 < 0.05). Based on the results, the calculated F is 8.370 and the F table is 3.09 while the significance is 0.004. It can be seen that the significance value from the table above is smaller than the value 0.05, which means that murabahah financing and the length of repayment together have an influence on the development of UMKM.

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Section: Kajian Teoriunclassified

Pengaruh Pembiayaan Murabahah dan Lama Pengembalian Pembiayaan terhadap Perkembangan UMKM pada PNM Mekaar Syariah

Cut Diah Syavira,

Kamilah K,

Nurul Inayah

2024

MAMEN: Jurnal Manajemen

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“…22 Undang-Undang tersebut telah membuka peluang bagi Lembaga Keuangan Syariah menyelenggarakan perbankan dengan sistem bagi hasil. 23 Namun, Undang-Undang Nomor 7 Tahun 1992 tidak sama sekali membahas tentang aturan Lembaga Keuangan Syariah. Aturan tentang Lembaga Keuangan Syariah justru diserahkan pada Peraturan Pemerintah.…”

Section: Hasil Dan Pembahasan Regulasi Industri Keuangan Syariah DI I...unclassified

Penerapan Prinsip Syariah di Bank Wakaf Mikro Barokah Al-Masthuriyah dalam Pemberdayaan Masyarakat

Dzikrayah

Nugroho²

2023

Al-Muamalat: Jurnal Ekonomi Syariah

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Micro Waqf Bank (BWM) is a Sharia Microfinance Institution (LKMS) that exists to overcome community groups that face difficulties in accessing financial institutions. However, the SOP makes BWM different from microfinance institutions. BWM's financing products are still limited as BWM Barokah's business focus is financing with qardh contracts with low margins. The purpose of this study is to see the application and supervision of sharia principles at the Barokah al-Masthuriyah Micro Waqf Bank in empowering the community and the contracts used in it. This research uses an empirical juridical approach with a qualitative approach. Data was obtained through interviews, observations, and literature studies. The result of this research is that Barokah al-Masturiyah Waqf Bank has a financing product that uses a qardh contract. BWM al-Masturiyah in carrying out the mandate of Law Number 21 of 2008 where every business activity based on sharia principles, must be carried out in accordance with sharia principles that have been determined by the DSN-MUI. Therefore, in carrying out supervision of BWM management in accordance with sharia principles, BWM Barokah al-Masthuriyah has carried out various supervisions. In conclusion, BWM al-Masturiyah has implemented sharia principles supervised by DPS, the Cooperative Office, OJK, and LAZNAS BSM Umat.

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“…Furthermore, the Minister of Finance, Radius Prawiro, issued a policy contained in the October 1988 Package (Pakto 88). The essence was to ensure that banking deregulation provided various facilities for establishing new ones, thereby causing this industry to experience healthy growth (Hidayatullah, 2020;Majid, 2021;Umam, 2020;Umam & Faruq, 2016).…”

Section: Islamic Banking In Indonesiamentioning

confidence: 99%

“…The idea was later reaffirmed when this same council held the IV National Deliberation at the Sahid Jaya Hotel, Jakarta, from 22 August to 25, 1990. The need to establish an Islamic Bank in Indonesia was recommended (Umam, 2020;Umam & Faruq, 2016).…”

Section: Islamic Banking In Indonesiamentioning

confidence: 99%

Reposition of Ta’zir and Ta’wid on Moral Hazard Behavior in Islamic Banking in Indonesia

Amal

Muhammadi

2022

JHN

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Introduction toThe Problem: The use of ta'zīr and ta'wīḍ in dealing with moral hazards in Islamic banking has been legalized through Bank Indonesia Regulation Number 7/46/PBI/2005 and DSN-MUI Fatwa Number 17/DSN-MUI/IX/2000. However, some scholars do not justify these policies because they are contrary to sharia rules. Purpose/Objective: This research aims to reposition ta'zīr and ta'wīḍ in dealing with moral hazard behavior. The repositioning in this context is to look for alternative ways to deal with customer moral hazard behavior. Design/Methodology/Approach: This is qualitative research involving secondary data arranged in an inductive-descriptive manner. It is also associated with a case study to obtain a complete picture of ta'zīr and ta'wīḍ in preventing moral hazards in Islamic banking. The data collected were analyzed through the stages of (1) data collection, (2) data reduction, (3) data display, and (4) conclusion/verification. Findings: Based on the results, the repositioning of ta'zīr and ta'wīḍ is necessary because, presently, its implementation contains elements of usury, which Islam forbids. Therefore, the proposed form enables customers to pay back debt in two or three installments without increasing its value in one payment. This policy enables customers whose late payment is not due to force majeure but an element of intent or bad faith.

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Sejarah Pembangunan Hukum Perbankan Syariah Di Indonesia

Cited by 4 publications

References 0 publications

Pengaruh Pembiayaan Murabahah dan Lama Pengembalian Pembiayaan terhadap Perkembangan UMKM pada PNM Mekaar Syariah

Pengaruh Pembiayaan Murabahah dan Lama Pengembalian Pembiayaan terhadap Perkembangan UMKM pada PNM Mekaar Syariah

Penerapan Prinsip Syariah di Bank Wakaf Mikro Barokah Al-Masthuriyah dalam Pemberdayaan Masyarakat

Reposition of Ta’zir and Ta’wid on Moral Hazard Behavior in Islamic Banking in Indonesia

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