Penerapan Akad Mudharabah Pada Produk Tabungan di PT. Bank Syariah Mandiri KC Prabumulih

Sari, Nora Pusvita; Fadilla, Fadilla; Aravik, Havis

doi:10.36908/esha.v6i2.210

Cited by 3 publications

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“…Menurut Sudarsono (2008) "Bank Syariah adalah lembaga keuangan negara yang memberikan kredit dan jasa-jasa lainnya di dalam lalu lintas pembayaran dan juga peredaran uang yang beroperasi dengan menggunakan prinsip-prinsip syariah atau islam (Indi, 2019) Fungsi bank syariah secara garis besar tidak berbeda dengan bank konvensional, yakni sebagai lembaga internediasi (Intermediary Institution) yang mengerahkan dana dari masyarakat dan menyalurkan kembali dana-dana tersebut kepada masyarakat yang membutuhkannya dalam bentuk fasilitas pembiayaan. Perbedaannya, bila bank konvensional mendasarkan keuntungannya dari pengambilan bunga, maka bank syariah dari apa yang disebut imbalan, baik berupa jasa (fee-base income) maupun mark-up atau profit margin, serta bagi hasil (loss and profit sharing) (Sari, Fadilla, & Aravik, 2021).…”

Section: Pendahuluanunclassified

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Pengaruh Pengetahuan Masyarakat Tentang Akad Mudharabah Terhadap Minat Menabung Di Bank Syariah

Restapia,

Nurajizah

2022

alfatih

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Public knowledge about Islamic banking is still small compared to conventional banking. This is not comparable to the people of Indonesia who mostly embrace Islam. Under these conditions, Islamic banking should be more attractive to the Indonesian people, especially the Muslim community. And there are still many people who do not understand Islamic banking, so not many people use Islamic banking services. The purpose of this study was to determine the effect of community knowledge about the Mudharabah contract on the interest in saving at Islamic banks in the Malangnengah village community. This study uses a quantitative approach to data collection methods or questionnaires, interviews and documentation. The population in this study is the community of Malangnengah Village and the sample as research respondents will be taken using the Purposive Sampling technique with the slovin formula, namely 94 people. The data obtained from this study were analyzed using the IBM SPSS 25 program. In this study the authors used the theory of knowledge according to Gazalba (1992) knowledge is what is known or the work of knowing. This knowing work is the result of knowing, realizing, realizing, understanding, and being clever. Knowledge is all owned or the contents of the mind. Mudharabah theory according to Fatwa of the National Syari'ah Council NO: 07/DSN-MUI/IV/2000 concerning Mudharabah Financing (Qiradh) states that Mudharabah is a business cooperation contract between two parties in which the first party (shaibul mal, LKS) provides all the capital , while the second party (mudharib, customer) acts as manager, and business profits are shared between them according to the agreement set forth in the contract. Interest theory According to Muhibbin Syah (2001) interest is a tendency and high excitement or a great desire for something. The results of this study indicate that the community's knowledge variable about mudharabah contracts (X) influences the interest in saving in Islamic banks in the Malangnengah Village community (Y), this can be seen from the results of the t test on the variable community knowledge about mudharabah contracts that it is known that the t_value is 7.744 > from the t_table value of 1.661.

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“…Disana Siti Khadijah mempercayakan barang dengannya untuk dijual Nabi Muhammad SAW. ke luar negeri (Sari, Fadilla, & Aravik, 2021).…”

Section: Pendahuluanunclassified

Pengaruh Pengetahuan Masyarakat Tentang Akad Mudharabah Terhadap Minat Menabung Di Bank Syariah

Restapia,

Nurajizah

2022

alfatih

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“…Perbankan adalah lembaga yang mempunyai peran utama dalam pembangunan suatu negara, peran ini terwujud dalam fungsi bank sebagai lembaga intermediasi keuangan (Financial Intermediary Institution), yakni menghimpun dana dari masyarakat dalam bentuk simpanan dan menyalurkan kepada masyarakat dalam bentuk kredit atau bentuk-bentuk lainnya dalam rangka meningkatkan taraf hidup masyarakat (Sari et al, 2021).…”

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Analysis of the Conformity of Mudharabah Contracts in Suka-Suka Savings Products at Bank Mega Syariah KCP Medan Katamso

Utami¹,

Rokan²

2022

j.management

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Sharia banking is currently on the rise and has become a reference for the public to invest their funds for various needs. For this reason, various Islamic banking products must be able to be understood by the public, one of which is the application of mudharabah contracts on savings products. This article discusses the analysis of the suitability of the Mudharabah Agreement in the Suka-Suka Savings Products at Bank Mega Syariah KCP Medan Katamso. This article uses qualitative research with data collection through direct interviews with stakeholders at Bank Mega Syariah KCP Medan Katamso. The results of this study are the application of the contract used in the Suka-suka Savings is the mudharabah muthlaqah contract, which is a form of cooperation between the shahibul maal (the owner of the funds) namely the customer and the mudharib (the fund manager) namely the bank, where the owner of the funds (shahibul maal) does not provide restrictions on mudharib in determining the type of business, time and area of business as long as it does not conflict with sharia principles and is in accordance with bank regulations.

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“…Aplikasi produk yang ditawarkan pada sisi bank Derin Aldifa Putri, Sosialisasi Pengenalan dan... bertugas untuk mengelola dana umat (muḍârib) dari nasabah sebagai penabung (ṣâḥibul mâl) dipakai metode pembagian keuntungan. Nasabah sebagai tindak pengguna mudarib (pengguna dana) dari bank selaku sahibul mal (pemodal) dipakai metode pembagian pendapatan (Sari et al, 2021).…”

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Sosialisasi Pengenalan Dan Manfaat Penggunaan Layanan Perbankan Syariah

Putri

Andriana

2022

JMM

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Abstrak: Berdiri dan berkembangnya layanan perbankan syariah berawal dari tuntutan masyarakat Indonesia yang menginginkan hadirnya suatu sistem perbankan tanpa bunga atau riba yang berdasarkan nilai-nilai syariah dalam suatu bank. Tuntutan ini berawal karena dominasi bank konvensional di negara yang mayoritas muslim khususnya di Indonesia. Namun nasabah pengguna perbankan syariah masih rendah, Adapun tujuan terhadap pengabdian ini yaitu mengenalkan layanan perbankan syariah kepada masyarakat desa dan mengukur tingkat pengetahuan mengenai layanan perbankan syariah. Metode dalam pelaksanaan pengabdian berupa sosialisasi dengan cara presentasi dan pembagian brosur kepada ibu-ibu Desa Krayan Bahagia. Kegiatan pengabdian dihadiri sebanyak 20 peserta. Berdasarkan hasil yang dicapai, 88% para peserta telah memahami dan menambah wawasan yang diukur dari hasil diskusi dan wawancara tentang materi layanan perbankan syariah.Abstract: The establishment and develop of Islamic banking services began with the demands of the Indonesian people who wanted a banking system without interest or usury based on sharia values in a bank. This demand began because of the dominance of conventional banks in Muslim-majority countries, especially in Indonesia. However, customers who use sharia banking are still low. The purpose of this service is to introduce sharia banking services to rural communities and measure the level of knowledge about sharia banking services. The method in implementing the service is in the form of socialization by presenting and distributing brochures to the women of Krayan Bahagia Village. The service activity was attended by 20 participants. Based on the results achieved, 88% of the participants have understood and added insight as measured from the results of discussions and debriefing about Islamic banking services.

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Penerapan Akad Mudharabah Pada Produk Tabungan di PT. Bank Syariah Mandiri KC Prabumulih

Cited by 3 publications

References 1 publication

Pengaruh Pengetahuan Masyarakat Tentang Akad Mudharabah Terhadap Minat Menabung Di Bank Syariah

Pengaruh Pengetahuan Masyarakat Tentang Akad Mudharabah Terhadap Minat Menabung Di Bank Syariah

Analysis of the Conformity of Mudharabah Contracts in Suka-Suka Savings Products at Bank Mega Syariah KCP Medan Katamso

Sosialisasi Pengenalan Dan Manfaat Penggunaan Layanan Perbankan Syariah

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