Pandangan Mahasiswa Fakultas Ekonomi dan Bisnis Universitas Airlangga Tentang Kepatuhan Syariah di Bank Syariah

2015 ◽  
Vol 2 (2) ◽  
pp. 147
Author(s):  
Siti Asmaul Usnah ◽  
Noven Suprayogi
Keyword(s):  
Corporate Culture ◽  
Group Discussion ◽  
Supervisory Board ◽  
Study Data ◽  
Business Faculty ◽  
Student Groups ◽  
Islamic Bank ◽  
Data Collection Technique ◽  
Conventional Banks

Sharia compliance is the main pillar that distinguishes between Islamic banks and conventional banks. Nevertheless, there is still debate among people who use the services of Islamic banking about sharia compliance regarding to the principles of sharia. This research aimed to investigate the customer’s perception of Islamic bank in the scope of Economic and Business Faculty Airlangga University students regarding to sharia compliance practice in Islamic bank which is seen from the concept and indicators of sharia compliance.This research used qualitative approach with a case study. Data collection technique in this research used a Focus Group Discussion (FGD) that consist of four group students of the Economic and Business Faculty Airlangga University from four majors: Economics, Management, Accounting, and Islamic Economics. This research was analyzed using domain and componential analysis.The result of this research showed that sharia compliance concept in Islamic bank that has been agreed by all of four student groups of Economic And Business Faculty of Airlangga University was sharia principles practice in Islamic bank operational system. There were four indicators of sharia compliance which had been agreed by all of four group students of Economic And Business Faculty of Airlangga University. They were akad as according to sharia, corporate culture as according to sharia, lending scheme as according to sharia, halal source of funds. Whereas the indicators which weren’t agreed yet by all of four groupstudents of Economic And Business Faculty of Airlangga University were the existence of Sharia Supervisory Board , financial statements which were reported as according to sharia accounting, and zakat funds.

scholarly journals Uang Elektronik: Praktik dan Substansi Dari Perspektif Keuangan Syariah (Studi Kasus: BCA Flazz & Go-Pay)

2021 ◽  
Vol 4 (2) ◽  
pp. 133-145
Author(s):  
Adi Martono ◽  
Yuddy Yudawirawan
Keyword(s):  
Open Space ◽  
Study Data ◽  
Point Of View ◽  
Islamic Banks ◽  
Muslim Community ◽  
Electronic Money ◽  
Bank Deposits ◽  
The World ◽  
Conventional Banks

The use of electronic money as a transaction tool in everyday life is a necessity, people use the money to pay for various needs such as buying goods in the marketplace, buying food online, KRL train tickets, paying toll tickets and others. On the other hand, the use of electronic money in society raises questions, especially for Muslims. Is electronic money as a medium of exchange in accordance with the Qur'an and As-Sunnah? Several Indonesian Muslim scholars who are concerned about the practice of Muamalah Maaliyah have given their thoughts and opinions on the use of electronic money. This paper is a step in answering this question. This paper will try to provide an explanation why the use of electronic money is not in accordance with the Qur'an and As-Sunnah. This research uses case study – qualitative research as research methodology. For this study, data were collected from documentation: Bank Indonesia regulations, the fatwa of the Sharia Council-Indonesian Ulema Council (DSN-MUI), fatwas of world scholars, instructions for the use of electronic money from banks/issuing companies, participant observations and observations, namely as users of electronic money who also use electronic money. Experienced as a banker in a state-owned bank. Using this method, this research will explore and explain how electronic money is managed and why some Muslims doubt this money. The conclusion of this study is that Bank Indonesia as the regulator and DSN-MUI issued a fatwa and this is in line with the fatwa issued by Majma' al-Fiqh al-Islami under the World Muslim League in its decision No. 86, 3/9 explains that “bank deposits, both in Islamic banks and conventional banks, from the fiqh point of view are debt, having different views on the concept and characteristics of electronic money used in Indonesia. The solution to this problem is that Bank Indonesia as a regulator needs to open space so that electronic money that is in accordance with sharia provisions can be realized so that the interests of the Muslim community are met. Abstrak Penggunaan uang elektronik sebagai alat transaksi dalam kehidupan sehari-hari adalah suatu keniscayaan, masyarakat menggunakan uang tersebut untuk membayar berbagai keperluan seperti membeli barang di marketplace, membeli makanan secara online, tiket kereta api KRL, membayar tiket tol dan lain-lain. Di sisi lain, penggunaan uang elektronik di masyarakat menimbulkan pertanyaan terutama bagi umat Islam. Apakah uang elektronik sebagai alat tukar sesuai dengan Al-Qur'an dan As-Sunnah? Beberapa cendekiawan muslim Indonesia yang concern terhadap praktik Muamalah Maaliyah telah memberikan pemikiran dan pendapatnya tentang penggunaan uang elektronik. Tulisan ini merupakan langkah dalam menjawab pertanyaan tersebut. Tulisan ini akan mencoba memberikan penjelasan mengapa penggunaan uang elektronik tidak sesuai dengan Al-Qur’an dan As-Sunnah. Penelitian ini menggunakan studi kasus – penelitian kualitatif sebagai metodologi penelitian. Untuk penelitian ini data dikumpulkan dari dokumentasi: ketentuan Bank Indonesia, fatwa Dewan Syariah-Majelis Ulama Indonesia (DSN-MUI), fatwa ulama sedunia, instruksi penggunaan uang elektronik dari bank/perusahaan penerbit, observasi dan observasi partisipan yaitu sebagai pengguna uang elektronik yang juga berpengalamanan sebagai bankir di bank milik pemerintah. Dengan menggunakan metode ini, penelitian ini akan mengeksplorasi dan menjelaskan bagaimana uang elektronik dikelola dan mengapa sebagian umat Islam meragukan uang ini. Kesimpulan dari penelitian ini adalah Bank Indonesia selaku regulator dan DSN-MUI yang mengeluarkan fatwa dan ini sejalan dengan fatwa yang dikeluarkan oleh Majma’ al-Fiqh al-Islami di bawah Liga Muslim Dunia dalam keputusannya No. 86, 3/9 menerangkan bahwa “simpanan bank, baik di bank Islam maupun bank konvensional, dari sudut pandang fiqih merupakan hutang, memiliki pandangan yang berbeda mengenai konsep dan karakteristik uang elektronik yang digunakan di Indonesia. Solusi dari permasalahan ini adalah Bank Indonesia sebagai regulator perlu membuka ruang agar uang elektronik yang sesuai dengan ketentuan syariah dapat diwujudkan sehingga kepentingan masyarakat muslimin terpenuhi. Kata Kunci: Uang Elektronik, Bank, Penerbit Uang Elektronik, Riba

scholarly journals KONTRAK PEMBIAYAAN MURABAHAH DAN MUSAWAMAH

2016 ◽  
Vol 3 (2) ◽  
pp. 290
Author(s):  
Rahmat Ilyas
Keyword(s):  
Financial Institution ◽  
Supervisory Board ◽  
Profit Margin ◽  
Selling Price ◽  
Purchase Price ◽  
Financial Intermediary ◽  
Islamic Bank ◽  
Conventional Banks ◽  
Conventional Bank

Islamic  bank  is  a  financial  intermediary  (Intermediary  Financial Institution) whose operations are free from elements that are forbidden by Islam, namely gambling, Gharar, Riba, Ryswah, and falsehood.Thus different from conventional banks whose. operations using the principles of interest by most scholars say the same as usury. The element that distinguishes Islamic bank with a conventional bank is the necessity of Shariah Supervisory Board (DPS) under the auspices of the National Sharia Council of the Indonesian Ulema Council (DSN-MUI). <br />Shariah Supervisory Board (DPS) is to monitor the operation of the bank and the products it releases in order to remain in accordance with the provisions of Shari’ah. Murabaha is a contract of sale of goods by <br />the price of the goods plus an agreed profit margin. Based on the bank’s sale and purchase agreement to buy the goods ordered by and sold to customers. Bank selling price is the purchase price of the supplier plus an agreed profit.

scholarly journals IMPLEMENTASI PENDIDIKAN AFEKTIF DALAM PEMBENTUKAN AKHLAK MULIA

2017 ◽  
Vol 3 (2) ◽  
pp. 158
Author(s):  
Oktaviani Umayah
Keyword(s):  
Elementary Education ◽  
Data Collection ◽  
Participant Observation ◽  
Study Data ◽  
Convincing Evidence ◽  
Depth Interview ◽  
Collection Data ◽  
Loving Parent ◽  
Data Collection Technique

This research uses qualitative approach with case study. Data collection technique is done by (1) depth interview, (2) participant observation, and (3) documentation. Data were analyzed by interactive model consisting of data collection, data reduction, data display and conclusion. Validity checking is done with credibility test, transferability, dependability, and confirmability. The formation of noble character through the application of affective education that is represented in attitudes, attitudes, and gentle attitudes there is convincing evidence can have positive implications for the increase in awareness of worship, academic achievement, and the laudable behavior of learners in elementary education. Attentiveness creates an atmosphere of learning directed, controlled and measurable. The activity of the teacher's soul is focused on the condition of the learners to be understood, understood, evaluated and improved and optimized for their potential, and supported by the attitude of affection which creates a warm learning atmosphere and harmony in communicating between teachers and learners. The activity of the soul of the teacher who respects, loves, recognizes and upholds the existence of the learners is reflected in his attitude of a loving and loving parent towards his child and equipped with gentle attitude in creating a comfortable learning atmosphere (learning is fun), happy, passionate and fresh. The humanist, democratic and integrating human soul activity is reflected in its gentle, attractive, warm, empathetic, earthy, selfish, arrogant and authoritarian manner.

Creation of an Online Interprofessional Education Module for Executive Public Health Students

2020 ◽  
pp. 237337992096973
Author(s):  
Laura M. Gaydos ◽  
Melissa Alperin ◽  
Juan S. Leon
Keyword(s):  
Public Health ◽  
Professional Education ◽  
Interprofessional Education ◽  
Group Discussion ◽  
Group Development ◽  
Course Evaluation ◽  
Student Groups ◽  
Geographically Dispersed ◽  
Evaluation Survey

Responding to the 2016 Council on Education for Public Health foundational competency requirement that students demonstrate the ability to “perform effectively in interprofessional teams,” the distance-based executive master’s program at Emory University developed an innovative interprofessional education (IPE) experience for geographically dispersed mid-career professionals. Because executive students are mid-career professionals from a variety of disciplines, they participated in this experience representing their professional roles and titles. IPE student groups represented at least three distinct disciplines. The executive program created a four-part online experience consisting of (1) a self-paced didactic module, (2) a synchronous case study group discussion, (3) small (three to five students) group development of a video solution to the case study, and (4) peer review of other groups’ case study solutions. The first-year pilot program was evaluated via standard online course evaluations and a separate evaluation survey sent immediately after completion of the complete experience. Of those responding to the standard course evaluation, 61.1% reported that they learned a great deal in the course and, of those responding to the immediate evaluation survey, 87.5% reported being very satisfied or satisfied with the experience. During the second iteration of the program, an additional survey, the Nebraska Inter-Professional Education Attitudes Survey identified improvement on 9 out of 19 attitudes toward interprofessional education. Overall, this IPE experience offered a unique way to employ the strengths of executive students and provide a meaningful IPE encounter for students in geographically diverse locations.

scholarly journals THE ROLE OF MICROFINANCE IN POVERTY ALLEVIATIONS: CASE STUDY INDONESIA

2020 ◽  
Vol 3 (2) ◽  
pp. 76
Author(s):  
Mohammad Zeqi Yasin
Keyword(s):  
Descriptive Analysis ◽  
Study Data ◽  
Microfinance Institutions ◽  
Social Goal ◽  
Literature Study ◽  
The Poor ◽  
High Profit ◽  
Data Collection Technique

The debate on whether microfinance genuinely alleviates poverty has captivatedmany researchers to investigate this issue. The results are mixed up and varied.Hence, this study aims to convey how the schemes of microfinance can deal with poverty, especially in Indonesia. Moreover, this study also investigates thesustainability of microfinance institutions in dealing with the trade-off betweensocial goal and profit goal. This study employs a descriptive analysis approach with literature study data collection technique. The discussion of this study reveals that the emergence of microfinance in Indonesia, in any ways, has had a significant role as a source of income for poor or micro entrepreneurs. The schemes of conventional and Islamic have also diversified opportunity to gain funding. However, the mix possible success of microfinance, either high-profit goal or high-social goal, have to be seriously concerned. In this regard, the finding implication of this study is that the management structure requires new approaches to avoid such possible mix results. As the involvement of microfinance with most of unexperienced debtors, microfinance institutions as creditor have to, at least, not only provide financial help for the poor, but also offer non-financial help such as training and good relationship. This can be organized along with extending the deeper credit outreach, even if, for absolute poor.

scholarly journals Students’ Perspective of the Use of WhatsApp Group as an Online Discussion Mode

2021 ◽  
Vol 13 (3) ◽  
pp. 2551-2556
Author(s):  
Rifari Baron
Keyword(s):  
Teaching And Learning ◽  
Group Discussion ◽  
Study Data ◽  
Student Understanding ◽  
Class Discussion ◽  
Discussion Forums ◽  
Postgraduate Students ◽  
Technology Applications ◽  
Case Study Data

It is believed that communication through technology applications is very important in the current learning situation. Among the utilized applications, WhatsApp presents as the most used application in the Indonesian teaching and learning circumstance. The purpose of this study was to find out the students’ perspective on the use of WA in-class discussion outside the classroom for postgraduate students in the Reading Learning course. The method used a descriptive qualitative case study. Data was taken from interviews and group discussion forums. Data analysis uses data reduction, data presentation, and concluding stages. The results showed that the WA group became a fairly effective medium at the level of student understanding for each of the teaching materials discussed. However, communication within the WA group requires standard rules agreed upon by each student so that the goal of forming a WA group as a learning medium outside the classroom can be achieved.

scholarly journals Uang dan ruang yang berkelanjutan dalam pembentukan Badan Usaha Milik Desa (BUMDes)

2017 ◽  
Vol 29 (4) ◽  
pp. 212 ◽  
Author(s):  
Andrian Dolfriandra Huruta ◽  
Gatot Sasongko
Keyword(s):  
Group Discussion ◽  
Secondary Data ◽  
Study Data ◽  
Primary Data ◽  
Development Activity ◽  
Governmental Organization ◽  
Local Resources ◽  
Local Institution ◽  
Internal Side

Money and space were elements that continually contested. This article aimed to described the role of money and space to support development activity, using the case study of Mbatakapidu. “Money” in this article was referred to fund assistance from external parties such as government (central, province or regency), non-governmental organization (NGOs), and internal side such as self-supporting (local resources), while “space” that referred in this article was local institution called BUMDes (Badan Usaha Milik Desa). This research applied qualitative approach by conducting a case study. Data were gathered through in-depth interview to 5 purposively-selected informants. Secondary data from previous research was used as complement to primary data. Researchers also held a focus group discussion to gain more accurate explanation about the phenomena. The case study shows that fund which entered the village was not yet accompanied by the presence of BUMDes, due to the absence of  supporting regulations such as regional regulation (Perda) and village regulation (Perdes) about BUMDes East Sumba regency, especially in Mbatakapidu. BUMDes as an instrument to develop village’s economics must followed by the presence of regulation as a legal basis, driven by local value which guide knowledge, attitude and practice of indigenous people.

scholarly journals INFLUENCE OF PERSONAL QUALIFICATIONS, THE ENVIRONMENT AND INSTITUTIONAL ENVIRONMENT MONITORING PROCESS IN THE PROVISION OF LOAN / FINANCE EMERGING OF NPL / NPF (Comparative Studies on Conventional Banks and Islamic Banking in Indonesia)

2016 ◽  
Vol 11 (1) ◽  
pp. 1
Author(s):  
Hendy Herijanto
Keyword(s):  
Corporate Culture ◽  
Institutional Environment ◽  
Working Environment ◽  
Moral Leadership ◽  
Moral Hazards ◽  
Islamic Bank ◽  
Monitoring Process ◽  
The Creation ◽  
Conventional Banks ◽  
Conventional Bank

<p>This study begins to approach the issue by applying the agency theory, moral hazards theory, and stakeholder theory, as well as the “Adverse Selection” theory by Stiglitz and weiss (1981) and “Bad Management” by Berger and Young (1997). The last two theories mainly refer to the processing part of the matter to start with, but the last one uses a concept where it is the management (of a<br />bank) that must be questioned how efficient they do their job. Management is a wide concept, and such as, which managerial factors that could affect the creation of NPL/NPF must be detailed. <br />This study could be breakdown the three group attributes above to constitute eleven factors, i.e. credit knowledge and skills, integrity and professionalism, spirituality level, moral leadership, corporate culture, hard budget policy, reward and penalty system, credit culture, reputation checking, due diligence and care, and supervision or audit. Further this study hypothesizes that these eleven factors could affect the creation of NPL/NPF, and the creation of NPF is lower in<br />Islamic bank than that of NPL in conventional bank, because the application of those factors is hypothesized stronger or better in the first type of bank by its management than in the second, due to its philosophy and the laws that govern. A research has been completed, employing statistical variance and F test on the data gathered from all the 28 islamics bank/banking units in existence, and 28 conventional banks. The study has concluded that all the eleven factors of the internal management can influence the creation of NPL/NPF in both banks. The study further proves that these factors, independently or as the combination of all, are applied better in Islamic bank than in conventional bank, due to the fact that the syariah concept itself not only applied in conducting the business, but also used as a moral reference in dayly working environment. As a result, the<br />average level of NPF is lower in bank syariah than NPL level of conventional bank under study.</p>

scholarly journals DRAMATURGY: RIBA ON HOME OWNERSHIP LOAN IN ISLAMIC BANKING (CASE STUDY ON BANK BTN SYARIAH KCPS CIPUTAT, TANGERANG SELATAN)

2021 ◽  
Vol 3 (1) ◽  
pp. 25
Author(s):  
Aulia Julian Faizatunazilla ◽  
Siti Jamilah
Keyword(s):  
Islamic Law ◽  
Home Ownership ◽  
Supervisory Board ◽  
Primary Data ◽  
Islamic Banking ◽  
Islamic Banks ◽  
The Public ◽  
Islamic Bank ◽  
Back Stage

The purpose of this study was to determine usury behavior in the Housing Loan or Credit in Islamic banks and to determine the application of the existing contract system in Housing Loans in Islamic banks using the dramaturgy method. The data used in this study is primary data, where researchers conducted interviews directly with the Bank BTN Syariah KCPS Ciputat, a member of the Sharia Supervisory Board and one of the customers who used a House Ownership Credit product at an Islamic bank. The results of this study can be concluded that the front stage that the bank shows to the public is in accordance with the back stage that the bank does not show to the public and Bank BTN Syariah KCPS Ciputat conducts its business in accordance with Islamic law and the fatwa of the National Sharia Council. So that in this study Bank BTN Syariah KCPS Ciputat does not have usury in its business.

scholarly journals A Case-Study of Financial Literacy and Wellbeing of Immigrants in Lloydminster, Canada

2017 ◽  
Vol 12 (8) ◽  
pp. 37 ◽  
Author(s):  
Oludamola Durodola ◽  
Patricia Fusch ◽  
Steven Tippins
Keyword(s):  
Financial Literacy ◽  
Rational Choice Theory ◽  
Choice Theory ◽  
Group Discussion ◽  
Social Institutions ◽  
Literacy Education ◽  
Study Data ◽  
Financial Decisions ◽  
Adult Immigrants

The sources of financial literacy education accessible to immigrants to Canada and the link between immigrant’s financial literacy and financial decisions could impact their welfare and Canada’s population growth negatively. The purpose of this qualitative exploratory case study was to explore sources of immigrant’s financial literacy education immediately they arrive Canada and the link between their financial knowledge and financial decisions. The life cycle hypothesis, rational choice theory, and bounded rationality theory grounded the study. Data collection from the purposeful sample included semi-structured face-to-face interviews with 13 adult immigrants and a focus group discussion with 6 adult immigrants, all of whom lived, worked, or owned a business in the city of Lloydminster. Data was collected between December 12 and December 19 2016. Using Yin’s 5 step data analytic procedure, the 6 themes that described the pattern between immigrant’s wellbeing and their financial literacy levels are social institutions, economic institutions, pressure impacting financial decisions, credit facility impacting financial decisions, emotions impacting financial decisions, and discount deals impacting financial decisions. The results from this qualitative study might trigger positive social change if immigrants to Canada develop their financial literacy levels and stay committed to making sensible financial decisions.

Sign in / Sign up

Export Citation Format

Share Document