This study aims to determine the position and function of DPS in contract making, supervision of ... more This study aims to determine the position and function of DPS in contract making, supervision of contract implementation, and the effectiveness of contract supervision at Bank BRI Syariah Binjai Branch. In this research, the researcher conducted research using qualitative methods. Research that uses a qualitative approach aims to explore or build a proportion or explain the meaning behind reality. Researchers are based on reality or events that take place in the field. Qualitative research methods can be interpreted as research that produces descriptive data, regarding spoken and written words, and observable behavior of the people being studied. Qualitative research is also research that produces descriptions in the form of words or verbally from the phenomenon under study or from people who are competent in their fields. The results of this study are that the position and function of the DPS in drafting the BRI Syariah Bank contract is appropriate. In general, what is being done i...
Pada transaksi syariah di Indonesia yang paling sering ditemui adalah teori bahwa syariah tidak m... more Pada transaksi syariah di Indonesia yang paling sering ditemui adalah teori bahwa syariah tidak membolehkan dua akad dalam satu transaksi akad (two in one). Padahal, larangan two in one hanya mengenai tiga kasus saja yang disebutkan dalam hadis yang berkaitan dengan larangan penggunaan hybrid contract atau multi akad. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana implikasi dari hadis multi akad dalam mengembangkan produk-produk lembaga keuangan syariah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis normatif. Hasil penelitian menunjukkan bahwa penafsiran ulama terhadap makna hadis larangan multi akad adalah larangan transaksi yang mengandung hilah (rekayasa) ribawi seperti bai' al-'inah; kedua, adanya relevansi antara pemahaman hadis serta tafsir para ulama dengan pengembangan produk serta inovasi akad dalam fatwa Dewan Syariah Majelis Ulama Indonesia (DSN-MUI), yakni bahwa multi akad yang dilarang adalah multi akad yang sesuai dengan dhawabith, batasan serta standar multi akad yang sudah dirumuskan oleh para ulama.
Proceeding International Seminar of Islamic Studies, Feb 21, 2021
The research aims to find the foundation of cooperatives in the Islamic economy as well as the ro... more The research aims to find the foundation of cooperatives in the Islamic economy as well as the role of sharia supervisory board in determining sharia cooperatives and their realization of sharia cooperative products, as well as looking at the course of sharia cooperative activities from the point of view of analysis of Islamic economic perspectives. This research method uses qualitative and descriptive analysis. Data collection techniques used in this research are using interviews, observations, and documentation. With the data source, the primary data of the interview principal data and secondary data observe the results of the realization of the implementation of sharia products provided by the sharia cooperative light madaniBinjai. The results of this study show the role of sharia supervisory board in providing advice and advice to the board and supervisors and supervising KSPPS activities to comply with sharia principles, assess and ensure the fulfillment of sharia principles on operational guidelines and products issued by KSPPS, supervise the development of new products, request a fatwa to DSN-MUI for new products that have not been fatwa.
Tujuan artikel ini adalah untuk mengetahui caranya konsep al-rizq dalam perspektif Al-Qur'an.... more Tujuan artikel ini adalah untuk mengetahui caranya konsep al-rizq dalam perspektif Al-Qur'an. Al-Rizq sering dikaitkan dengan kekayaan atau penghasilan yang diperoleh seseorang. Dalam ekonomi konvensional, kesejahteraan saja disesuaikan dengan pendapatan masyarakatnya. Sementara itu, dalam ekonomi Islam ada konsep Al-rizq di mana pendapatan adalah dibahas secara keseluruhan sehingga dapat diketahui yang satu haq dan mana yang batil. Dalam studi ini penulis menggunakan metode sastra belajar dengan mempelajari berbagai referensi buku serta hasil serupa penelitian sebelumnya yang bermanfaat untuk memperoleh landasan teori dari masalah yang akan diteliti. Hasilnya menunjukkan bahwa dalam Al-Qur'an arti rezeki bukan hanya terlihat secara material, seperti makanan, buah-buahan atau pakaian yang bisa digunakan. Selain itu, konsep rezeki menurut Al-Qur'an adalah segala sesuatu yang diberikan Allah kepada manusia baik berwujud maupun tidak berwujud yang dapat bermanfaat dirinya d...
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis, 2021
The purpose of this article is to analyze how effective the Islamic monetary policy system is in ... more The purpose of this article is to analyze how effective the Islamic monetary policy system is in maintaining or improving the performance of the real sector. And how Islamic monetary economic policy is able to maintain stability between the real sector and the monetary sector compared to the implementation of conventional monetary economic policy. The research design uses library research design (library study design). namely a research by studying, researching and reviewing relevant library materials. The data collection method used in this study is documentation, namely the method of data collection by reviewing various books (literature) that are relevant to the subject matter to be studied. With data analysis techniques using content analysis techniques, (Content Analysis) is research that is in-depth discussion of the contents of a written or printed information in the mass media. Which in the analysis it was found that Islamic monetary policy is effective in improving the perf...
Tabungan hanya berguna apabila diinvestasikan, sedangkan para penabung tidak mampu melakukannya s... more Tabungan hanya berguna apabila diinvestasikan, sedangkan para penabung tidak mampu melakukannya sendiri dengan terampil dan sukses. Nasabah mau menyimpan dananya di bank karena percaya bahwa dapat memilih alternatif investasi yang menarik. Sumber Daya Manusia (SDM) merupakan faktor pendukung utama dalam pengembangan industri perbankan syari’ah. Oleh karena itu disetiap perusahaan berlomba-lomba memberikan pelayanan yang terbaik bagi nasabahnya agar dapat mempertahankan simpanan sebagian dananya di perusahaan tersebut
This study uses quantitative methods. which uses numbers in data presentation and analysis using ... more This study uses quantitative methods. which uses numbers in data presentation and analysis using statistical tests. The data analysis used in this research is simple regression analysis. This study aims to determine the effect of promotional costs on increasing third party funds at PT Bank Muamalat KCP Binjai. From the research results, the results of the Regression and Correlation Test can be concluded that the promotion cost has a significant effect on the amount of third party funds. which is significant to variable Y (amount of third party funds). With the F table value of 4.67, or fcount (6.703)> ftable (4.67), it can be concluded that the F test is significant, which means that collectively the independent variable (the amount of promotional costs) affects the dependent variable (the amount of third party funds). Obtained R Square value of 0.583² = 0.34 X 100% = 34%. This means that the amount of third party funds is influenced by the amount of promotional costs by 34% and ...
Market structure in Islam is based on the principle of freedom, including in carrying out economi... more Market structure in Islam is based on the principle of freedom, including in carrying out economic activities but is still limited by rules without neglecting the principles of responsibility and justice. Fair in this case is not detrimental to consumers or producers, related to producer surplus and consumer surplus. In Islam, Muslims are encouraged to try anything as long as they are still within the corridor of sharia, meaning that as long as the effort does not violate the provisions stipulated by Allah SWT. Likewise, in terms of carrying out economic activities, everything is permissible as long as it does not violate these rules. One of the economic activities can be seen in the market, where sellers and buyers meet to make transactions for goods or services, both in the form of production and pricing.
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)
The purpose of this study was to find out how the effect of qard and ijarah contracts on customer... more The purpose of this study was to find out how the effect of qard and ijarah contracts on customer interest in using pawn products at the Indonesian Islamic Bank (BSI) Kc Binjai. This study used quantitative research in its analysis. The population used in this study is all people who use pawn services at Bank Syariah Indonesia (BSI) Kc Binjai. The data analysis used is data quality analysis, multiple linear regression test, and hypothesis testing. From the results of the study, it is known that the qard and ijarah contracts have a positive and significant effect on customer interest in using pawn products at Bank Syariah Indonesia (BSI) Kc Binjai
This study aims to determine the position and function of DPS in contract making, supervision of ... more This study aims to determine the position and function of DPS in contract making, supervision of contract implementation, and the effectiveness of contract supervision at Bank BRI Syariah Binjai Branch. In this research, the researcher conducted research using qualitative methods. Research that uses a qualitative approach aims to explore or build a proportion or explain the meaning behind reality. Researchers are based on reality or events that take place in the field. Qualitative research methods can be interpreted as research that produces descriptive data, regarding spoken and written words, and observable behavior of the people being studied. Qualitative research is also research that produces descriptions in the form of words or verbally from the phenomenon under study or from people who are competent in their fields. The results of this study are that the position and function of the DPS in drafting the BRI Syariah Bank contract is appropriate. In general, what is being done i...
Pada transaksi syariah di Indonesia yang paling sering ditemui adalah teori bahwa syariah tidak m... more Pada transaksi syariah di Indonesia yang paling sering ditemui adalah teori bahwa syariah tidak membolehkan dua akad dalam satu transaksi akad (two in one). Padahal, larangan two in one hanya mengenai tiga kasus saja yang disebutkan dalam hadis yang berkaitan dengan larangan penggunaan hybrid contract atau multi akad. Tujuan dari penelitian ini adalah untuk mengetahui bagaimana implikasi dari hadis multi akad dalam mengembangkan produk-produk lembaga keuangan syariah. Metode yang digunakan adalah penelitian kualitatif dengan pendekatan yuridis normatif. Hasil penelitian menunjukkan bahwa penafsiran ulama terhadap makna hadis larangan multi akad adalah larangan transaksi yang mengandung hilah (rekayasa) ribawi seperti bai' al-'inah; kedua, adanya relevansi antara pemahaman hadis serta tafsir para ulama dengan pengembangan produk serta inovasi akad dalam fatwa Dewan Syariah Majelis Ulama Indonesia (DSN-MUI), yakni bahwa multi akad yang dilarang adalah multi akad yang sesuai dengan dhawabith, batasan serta standar multi akad yang sudah dirumuskan oleh para ulama.
Proceeding International Seminar of Islamic Studies, Feb 21, 2021
The research aims to find the foundation of cooperatives in the Islamic economy as well as the ro... more The research aims to find the foundation of cooperatives in the Islamic economy as well as the role of sharia supervisory board in determining sharia cooperatives and their realization of sharia cooperative products, as well as looking at the course of sharia cooperative activities from the point of view of analysis of Islamic economic perspectives. This research method uses qualitative and descriptive analysis. Data collection techniques used in this research are using interviews, observations, and documentation. With the data source, the primary data of the interview principal data and secondary data observe the results of the realization of the implementation of sharia products provided by the sharia cooperative light madaniBinjai. The results of this study show the role of sharia supervisory board in providing advice and advice to the board and supervisors and supervising KSPPS activities to comply with sharia principles, assess and ensure the fulfillment of sharia principles on operational guidelines and products issued by KSPPS, supervise the development of new products, request a fatwa to DSN-MUI for new products that have not been fatwa.
Tujuan artikel ini adalah untuk mengetahui caranya konsep al-rizq dalam perspektif Al-Qur'an.... more Tujuan artikel ini adalah untuk mengetahui caranya konsep al-rizq dalam perspektif Al-Qur'an. Al-Rizq sering dikaitkan dengan kekayaan atau penghasilan yang diperoleh seseorang. Dalam ekonomi konvensional, kesejahteraan saja disesuaikan dengan pendapatan masyarakatnya. Sementara itu, dalam ekonomi Islam ada konsep Al-rizq di mana pendapatan adalah dibahas secara keseluruhan sehingga dapat diketahui yang satu haq dan mana yang batil. Dalam studi ini penulis menggunakan metode sastra belajar dengan mempelajari berbagai referensi buku serta hasil serupa penelitian sebelumnya yang bermanfaat untuk memperoleh landasan teori dari masalah yang akan diteliti. Hasilnya menunjukkan bahwa dalam Al-Qur'an arti rezeki bukan hanya terlihat secara material, seperti makanan, buah-buahan atau pakaian yang bisa digunakan. Selain itu, konsep rezeki menurut Al-Qur'an adalah segala sesuatu yang diberikan Allah kepada manusia baik berwujud maupun tidak berwujud yang dapat bermanfaat dirinya d...
E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis, 2021
The purpose of this article is to analyze how effective the Islamic monetary policy system is in ... more The purpose of this article is to analyze how effective the Islamic monetary policy system is in maintaining or improving the performance of the real sector. And how Islamic monetary economic policy is able to maintain stability between the real sector and the monetary sector compared to the implementation of conventional monetary economic policy. The research design uses library research design (library study design). namely a research by studying, researching and reviewing relevant library materials. The data collection method used in this study is documentation, namely the method of data collection by reviewing various books (literature) that are relevant to the subject matter to be studied. With data analysis techniques using content analysis techniques, (Content Analysis) is research that is in-depth discussion of the contents of a written or printed information in the mass media. Which in the analysis it was found that Islamic monetary policy is effective in improving the perf...
Tabungan hanya berguna apabila diinvestasikan, sedangkan para penabung tidak mampu melakukannya s... more Tabungan hanya berguna apabila diinvestasikan, sedangkan para penabung tidak mampu melakukannya sendiri dengan terampil dan sukses. Nasabah mau menyimpan dananya di bank karena percaya bahwa dapat memilih alternatif investasi yang menarik. Sumber Daya Manusia (SDM) merupakan faktor pendukung utama dalam pengembangan industri perbankan syari’ah. Oleh karena itu disetiap perusahaan berlomba-lomba memberikan pelayanan yang terbaik bagi nasabahnya agar dapat mempertahankan simpanan sebagian dananya di perusahaan tersebut
This study uses quantitative methods. which uses numbers in data presentation and analysis using ... more This study uses quantitative methods. which uses numbers in data presentation and analysis using statistical tests. The data analysis used in this research is simple regression analysis. This study aims to determine the effect of promotional costs on increasing third party funds at PT Bank Muamalat KCP Binjai. From the research results, the results of the Regression and Correlation Test can be concluded that the promotion cost has a significant effect on the amount of third party funds. which is significant to variable Y (amount of third party funds). With the F table value of 4.67, or fcount (6.703)> ftable (4.67), it can be concluded that the F test is significant, which means that collectively the independent variable (the amount of promotional costs) affects the dependent variable (the amount of third party funds). Obtained R Square value of 0.583² = 0.34 X 100% = 34%. This means that the amount of third party funds is influenced by the amount of promotional costs by 34% and ...
Market structure in Islam is based on the principle of freedom, including in carrying out economi... more Market structure in Islam is based on the principle of freedom, including in carrying out economic activities but is still limited by rules without neglecting the principles of responsibility and justice. Fair in this case is not detrimental to consumers or producers, related to producer surplus and consumer surplus. In Islam, Muslims are encouraged to try anything as long as they are still within the corridor of sharia, meaning that as long as the effort does not violate the provisions stipulated by Allah SWT. Likewise, in terms of carrying out economic activities, everything is permissible as long as it does not violate these rules. One of the economic activities can be seen in the market, where sellers and buyers meet to make transactions for goods or services, both in the form of production and pricing.
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS)
The purpose of this study was to find out how the effect of qard and ijarah contracts on customer... more The purpose of this study was to find out how the effect of qard and ijarah contracts on customer interest in using pawn products at the Indonesian Islamic Bank (BSI) Kc Binjai. This study used quantitative research in its analysis. The population used in this study is all people who use pawn services at Bank Syariah Indonesia (BSI) Kc Binjai. The data analysis used is data quality analysis, multiple linear regression test, and hypothesis testing. From the results of the study, it is known that the qard and ijarah contracts have a positive and significant effect on customer interest in using pawn products at Bank Syariah Indonesia (BSI) Kc Binjai
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