Eksistensi Bank Aceh Pasca Konversi Terhadap Kesejahteraan Masyarakat Aceh

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui perkembangan produk pembiayaan Bank Aceh dan pengaruh produk pembiayaan Bank Aceh setelah dikonversi ke sistem Syariah terhadap kesejahteraan masyarakat Aceh. Penelitian ini merupakan jenis penelitian gabungan dengan pendekatan kuantitatif menggunakan sampel 101 orang dari jumlah nasabah Bank Aceh. Hasil penelitian memnyimpulkan bahwa,pertama, Bank Acehtelah mempunyai produk-produk pembiayaan murabahah (produk pembiayaan multi guna, konsumer, pembiayaan pensiun, pembiayaan mikro); pembiayaan musyarakah (pembiayaan rekening koran syariah, pembiayaan kontruksi dan pembiayaan mikro) dan pembiayaan mudharabah. Kedua, eksistensi Bank Aceh setelah dikonversi menjadi bank syariah berpengaruh positif terhadap kesejahteraan masyarakat Aceh. Selain itu, produk pembiayaan murabahanmerupakan produk yang paling banyak diminati sebanyak 64%, nilai ini berbanding terbalik dengan akad kerjasama produk lainnya. Namun, nilai positif yang diberikan kepada Bank Aceh menunjukkan bahwa produk murabahah dapat meningkatkan kesejahteraan masyarakat Aceh meskipun banyak masyarakat berminat terhadap pembiayaan mudharabah dan qardul hasan. Abstrac The purpose of this research is toknow Aceh Bank financing product development and to explore Aceh Bank financing product after converting to the sharia system for Acehnese prosperity.Thi research is a combination research with qualitative research approach by 101 sample. The research result shows that, first Aceh Bank has had murabahah financing (multifunction financing product, consumer, pension financing, micro financing); musyarakah financing (sharia bank statement financing, islamic real estate financing, and micro financing); and mudharabah financing. The second. This research also found that Aceh bank Existence after converting has become a bank which has given a positive influence for Acehnese prosperity.Furthermore, murabahah is the most widely used financing product at 64%. However, the given positivity to Sharia Aceh Bank shows that murabahah product has resulted in Acehnese prosperity even though a lot of people prefer to take mudharabah and qardul hasan financing product.

Conversion Into Full-Fledge Islamic Banks and It’s Impact on Asset: Evidence From Indonesian Islamic Banking Industry

“…One of the objectives of converting a conventional holding bank into a full-fledged Islamic bank is to meet the financial needs of the community, both for saving and financing (Rafay & Sadiq, 2015). This reason is in accordance with the findings in several previous studies, one of the factors driving conversion is the public's desire for a bank that operates fully in accordance with sharia principles (Rohman, 2019;Rahmawati & Putriana, 2020;Yoesoef & Khairisma, 2020;Alamsyah & Amri, 2021). The people in these three provinces are communities with a high level of religiosity.…”

“…The promising opportunities within the Islamic banking market are influential, prompting many banks to convert conventional banks into Islamic commercial banks (Damanuri, 2012). Yoesoef and Khairisma (2020)…”

The impact of conversion on market share in Indonesian Islamic banks

“…Moreover, it is important that the conversion of Islamic banks contributes to the welfare of the community. According toYoesoef and Khairisma (2020), the conversion of Acehnese banks to Islamic commercial banks has had a positive impact on the community's welfare, indicating that the community has accepted this conversion. However, there is still room for improvement in terms of education and awareness about Islamic banking.…”