Menelisik Makna Pembiayaan Qardhul Hasan Dan Implementasinya  Pada Perbankan Syariah Di Indonesia

Falikhatun, Falikhatun; Assegaff, Yasmin Umar; Hasim, Hasim

doi:10.26905/jkdp.v20i1.152

Cited by 8 publications

(9 citation statements)

References 3 publications

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“…Senada dengan Gheeraert (2014), apabila bank syariah dapat menjangkau masyarakat yang tidak mau menggunakan jasa perbankan konvensional, total dana perbankan yang dihimpun dari masyarakat yang akan digunakan untuk menggenjot roda perekonomian akan semakin tinggi. Bank syariah juga memiliki banyak alternatif pembiayaan kepada nasabah yang religius, seperti qardhul hasan (Falikhatun et al, 2016), yang dapat menjadi motor penghimpunan dana masyarakat.…”

Section: Perbankan Syariah DI Indonesiaunclassified

Daya Saing Bank Syariah Di Sebuah Negara Religius: Temuan Empirik Dari Indonesia

Risfandy

Husa

Asrihapsari

2016

Jurnal Keuangan Dan Perbankan

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This is the first study examining the market power of Islamic banks in Indonesia which using quarterly data. Specifically, this paper attempts to answer a question whether, in the high-religiosity country as Indonesia, Islamic banks have greatermarket power compared to its conventional counterparts. We construct Lerner's index to measure banks market power by using data from 2009 to 2013. We found that even in a biggest Muslim country in the world, Islamic banks have lowest market power. The result suggests that central banks of Indonesia should consider an alternative methods to promote Islamic banks market power since the balance between those two types of banks may enhance country financial stability. PENDAHULUANPerkembangan bank syariah di dunia saat ini telah menarik perhatian banyak kalangan, diantaranya adalah para praktisi dan akademisi. Berpusat di wilayah Timur Tengah, Afrika Utara, dan Negara-negara Muslim lainnya, bank syariah tumbuh sebesar 15% -50% per tahun lebih tinggi dari bank konvensional (Ernst & Young, 2014). Dengan jumlah sekitar 38 juta nasabah di seluruh dunia, total asset dari industri perbankan syariah di seluruh dunia telah mencapai US$ 1,7 milyar di tahun 2013. Meskipun pangsa pasar bank syariah di dunia masih kurang dari 2% (Beck et al., 2013), dengan kinerjanya yang positif dan per-tumbuhannya yang menjanjikan dapat menjadi indikasi kemampuan bank syariah untuk dapat bersaing dengan bank konvensional di industri perbankan dunia, terutama di negara-negara yang mayoritas penduduknya adalah Muslim.Dalam rangka menyoroti perkembangan perbankan syariah, artikel ini akan menelaah lebih lanjut mengenai daya saing (market power) atau tingkat kompetitif (competitiveness) bank syariah. Weill (2011) mendefinisikan daya saing sebagai kemampuan perbankan dalam mempengaruhi harga produk dan jasa perbankan yang dibebankan kepada nasabah. Daya saing bank syariah dapat dikaitkan dengan kompetisi di dalam industri perbankan. Semakin tinggi daya saing bank secara rata-rata

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Section: Perbankan Syariah DI Indonesiaunclassified

Daya Saing Bank Syariah Di Sebuah Negara Religius: Temuan Empirik Dari Indonesia

Risfandy

Husa

Asrihapsari

2016

Jurnal Keuangan Dan Perbankan

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“…Moreover, using the Qardhul Hasan scheme is also one of the most needed financings when viewed from the pyramid of community needs. Financing transactions using the Qardhul Hasan contract are considered easy and flexible, and can positively impact the recipient of the financing (Anjum, 2022;Falikhatun et al, 2016; Implementation of the Qardhul Hasan Agreement..... Putri Rizka Citaningati, et.al DOI: https://dx.doi.org/10.24952/fitrah.v8i2.5903 Herianingrum et al, 2019;Zainuddin & Khalid, 2020). Although it has a reasonably high risk of returning the funds due to the concept of at-tabarru' in the Qardhul Hasan contract, the lender or Qardhul Hasan financing provider must have a willing and sincere attitude if the funds are not returned on time or even do not return in the very same.…”

Section: Introductionmentioning

confidence: 99%

Implementation of the Qardhul Hasan Agreement at Indonesian Islamic Financial Institutions

Citaningati

Kamaluddin

Haeba

2022

FITRAH

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Qardhul Hasan is one of the alternatives for usury-based loans (debt). Islamic economic principles forbid a loan with interest. The aim of loan transactions through Qardhul Hasan is used to help increase the country's economic growth. This working paper aims to explain the concept of Qardhul Hasan management. The management of Qardhul Hasan can be implemented from zakat, infaq, sadaqah, and waqf funds. One of the main regulations in carrying out the management of Qardhul Hasan is the DSN-MUI Fatwa No. 19/DSN-MUI/IV/2001 concerning al-Qardh. With a descriptive qualitative approach, this study aims to explain the implementation of the Qardhul Hasan contract at BAZNAS, BWI, and other Islamic financial institutions. BAZNAS and BWI are Islamic financial institutions in Indonesia that are active in implementing Qardhul Hasan in their operational activities. Therefore, the result of this research will also explain the differences in the management of Qardhul Hasan in BAZNAS Semarang Regency and BAZNAS Tulungagung Regency. This research is necessary to do because this study provides a descriptive perspective to explain the advantages of each of these Islamic financial institutions in detail. Moreover, the result of this study would become a comparison of each of the management of these Islamic financial institutions that can be input for every other Islamic financial institution.

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“…The target customers for this loan are people who are economically in the lower class. If the customer is in a condition where it is not possible to return the loan, the Islamic Financial Institution will not collect the loan money back [2].…”

Section: Introductionmentioning

confidence: 99%

Interpreting Qardhul Hasan Between Business and Islamic Corporate Social Responsibility

Rochayatun¹,

Sayugo²

2021

Advances in Economics, Business and Management Research

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One of financing programs in Islamic Financial Institutions which is based on mutual assistance is Qardhul Hasan. In Islamic Financial Institutions, one the program in corporate sosial responsibility is helping the poor by providing loan facilities that are free from interest practices. This study aims to determine how the application of the Qardhul Hasan contract to the BMT Wagir Branch. The research is qualitative method using intepretatif paradigm. The study using observation, in depth interview with leader, staff and customer. The result show that BMT Maslahah Wagir Malang implemented the Qardhul Hasan program as one of the Islamic Corporate Social Responsibility programs. Qardhul Hasan Financing in BMT Maslalah only has a percentage of 2% of other financing issued by BMT, then from these results, it can be concluded that this Qardhul Hasan financing was issued by BMT Maslahah Wagir Malang, not in the context of business whose output is profit/profit, but the Qardhul Hasan financing was issued solely for the Corporate Social Responsibility program.

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Menelisik Makna Pembiayaan Qardhul Hasan Dan Implementasinya Pada Perbankan Syariah Di Indonesia

Cited by 8 publications

References 3 publications

Daya Saing Bank Syariah Di Sebuah Negara Religius: Temuan Empirik Dari Indonesia

Daya Saing Bank Syariah Di Sebuah Negara Religius: Temuan Empirik Dari Indonesia

Implementation of the Qardhul Hasan Agreement at Indonesian Islamic Financial Institutions

Interpreting Qardhul Hasan Between Business and Islamic Corporate Social Responsibility

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