Parameter Pengembangan Produk-Produk Perbankan Syariah Dengan Pendekatan Maqasid Syariah (Studi Kasus di Perbankan Syariah Kabupaten Ponorogo)

Abstract

Currently the development and growth of Islamic banking shows a positive trend that increas in every year. This encourages Islamic banks to produce innovative products which customer needs. However, the methods used to develop products differ from one country and another. For Indonesia, one parameter is needed to harmonize all product developments produced by Indonesian Islamic banking. The purpose of this study is to explore the challenges of current Islamic banking in producing products and make a parameter as a reference for developing Islamic banking products with the Maqāsid Sharia approach for the realization of maslahah. To achieve this study using several methods such as interviews, content and descriptive analysis. The results of this study are the parameters that have been applied with the development product in Islamic banking Ponorogo city with the Maqāsid Sharia approach. A product can produce maslahah if the five elements in Maqāsid shari'a are achieved, namely; (1) Preservation of religion by the basis of the product offered is based on the Al-qur'an, Sunnah, and DSN-MUI, (2) Preservation of life, it is manifested by the service and supply to customers in accordance with Islamic ethics, (3) Preservation of intellect, with a form of banking business to explain in detail related to products offered to customers in a clear, (4) Preservation of wealth, it is realized with the management of property management client in Islam, (5) Preservation of progeny, by applying the four things previously, to guarantee halal and affect the sustainability of living for the family and the children of clients.

The Contribution of Zakat, Infaq, Sadaqa, and Waqf (Ziswaf) Strategic Management in Developing the Prosperity of Ummah

“…Concerning the development of ziswaf funds, professional human resources are needed, community literacy about ziswaf so that awareness grows, supporting regulations and institutions, and technology development in the research aspect (Kahf, 1999;Lubis & Latifah, 2019). Islam has provided limits for all socialization activities, collection, distribution, and development of these social funds and supervision in all their implementation so that they do not deviate from Islamic sharia (Cahyo & Muqorobin, 2019;Mahfudz, 1994), and even make it a productive and potential community fund to obtain sustainable results.…”

“…This can improve the quality of services and have an impact on public trust in spurring the economic movement of the community. The prominent influence is seen in the health of the social order with the reduction of the number of poor people (Khasanah, 2010;Muqorobin & Cahyo, 2019;Zakiyuddin, 2015). The implementation of professional management by prioritizing the principles of good governance can have a significant impact on public trust and their contribution to donate or give charity at the institution.…”

Analisis Kinerja Bank Syariah di Indonesia Berbasis Maqashid Sharia Index

“…Penilaian kinerja perbankan syariah tidak terfokus hanya pada aspek keuangan saja, namun juga perlu memperhatikan aspek maqashid syariah. Kepatuhan syariah pada bank syariah dilihat dari kesesuaian produk dan operasional perbankan dengan prinsip syariah, di Indonesia kepatuhan syariah lembaga keuangan merujuk pada pedoman atau fatwa Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) (Muqorobin & Cahyo, 2019).…”

Uji Maqashid Syariah Perbankan Syariah Di Indonesia

“…Bila produk dan operasional bank syariah tidak menyimpang dari fatwa DSN-MUI, maka dapat dikatakan bahwa produk dan operasional bank syariah tersebut telah seusai dengan prinsip-prinsip syariah. Bila belum sesuai dengan fatwa DSN-MUI, maka DPS dapat membuat keputusan bahwa bank syariah tersebut belum memenuhi prinsip-prinsip syariah (Muqorobin & Cahyo, 2019 Kinerja Tandzibul al-Fard atau Educating Individual mencakup elemen tujuan pertama yang dihitung dari Hibah Pendidikan (E1), Penelitian (E2), Pelatihan (E3) dan Publikasi (E4). Dari tabel di atas, secara rata-rata BNIS memiliki nilai tertinggi yaitu 0.0049, disusul BTPNS dengan nilai 0,0031, BMI 0.0026, dan BSM 0.0019.…”