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PROBLEM HUKUM ATAS KELEMBAGAAN DAN OPERASIONAL BANK SYARIAH Rusnaena, Rusnaena
DIKTUM: Jurnal Syariah dan Hukum Vol 12 No 2 (2014): Diktum : Jurnal Syariah dan Hukum
Publisher : Jurusan Syariah dan Ekonomi Islam Institut Agama Islam Negeri (IAIN) Parepare

Islamic Bank in Indonesia is still very experienced legal problems because it is still plagued with some of the Banking Act that exist, so the Islamic Bank is not free to develop their products, these problems include institutional and legal problems of legal problems operational, operational and legal problems, among others, taxation problems as well as problems of liquidity management. Hence the need for affirmation of the law against such things. Islamic banks operating in Indonesia as a country of law, must be adapted to the provisions in force in the territory of Indonesia based on Pancasila and the Constitution of 1945. Similarly Islamic Bank in Indonesia also have to meet the requirements set by Bank Indonesia tela as in Indonesias Central Bank issued the Banking Act.

SISTEM MANAGEMEN KEUANGAN KOPERASI AT-TARBIYAH STAIN PAREPARE RUSNAENA, RUSNAENA; AMIN, ST. JAMILAH; DAMIRAH, DAMIRAH
Kuriositas: Media Komunikasi Sosial dan Keagamaan Vol 7 No 1 (2014): Kuriositas: Media Komunikasi Sosial dan Keagamaan
Publisher : P3M STAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (22.485 KB)

This article discusses the Cooperative Financial Management System At-MT STAIN Pare Pare, where the main focus of study to see if the cooperative at-MT attention to the welfare of its members and adhered to the establishment of cooperative goals are: to help improve the welfare of its members, not to maximize proft cooperative enterprise. Initial observations the authors see that cooperative At-MT STAIN Pare Pare very helpful members. On the other hand, criticism and complaints from sebahagian members, as well as distrust in terms of capital and profts in the can through the division of SHU annually. This research is a feld research, data sources used in this study are: primary data, secondary data, and fnancial management of the cooperative.This study uses data collection techniques: (1). Observation, (2). Interviews, and (3). Document. To analyze the data that has been collected, the data is processed by qualitative analysis techniques.The results of this study indicate that: 1. Systems cooperative capital STAIN Pare Pare At-MT consists of principal, save mandatory and voluntary savings of the members of the cooperative. 2. The fnancial performance of cooperative inadequate and has not been managed well seen by the presence of some of the bad loans that have not been resolved by the cooperative management STAIN Pare Pare. 3. The health cooperative AT-MT STAIN Pare Pare is still very far from the standard assessment when returning to the assessment ratio cooperative fnancial services cooperatives (KJK) both in terms of capital, asset quality, proftability, and the quantifcation of management aspects.

PROBLEM HUKUM ATAS KELEMBAGAAN DAN OPERASIONAL BANK SYARIAH Rusnaena, Rusnaena
DIKTUM: Jurnal Syariah dan Hukum Vol 12 No 2 (2014): Diktum : Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Islamic Bank in Indonesia is still very experienced legal problems because it is still plagued with some of the Banking Act that exist, so the Islamic Bank is not free to develop their products, these problems include institutional and legal problems of legal problems operational, operational and legal problems, among others, taxation problems as well as problems of liquidity management. Hence the need for affirmation of the law against such things. Islamic banks operating in Indonesia as a country of law, must be adapted to the provisions in force in the territory of Indonesia based on Pancasila and the Constitution of 1945. Similarly Islamic Bank in Indonesia also have to meet the requirements set by Bank Indonesia tela as in Indonesia's Central Bank issued the Banking Act.

EFFECTIVENESS AND EFFICIENCY OF FINANCIAL MANAGEMENT OF VILLAGE-OWNED ENTERPRISES (BUMDes) Angraeni, Natila; Musmulyadi, Musmulyadi; Arwin, Arwin; Rusnaena, Rusnaena
ASY SYAR'IYYAH: JURNAL ILMU SYARI'AH DAN PERBANKAN ISLAM Vol 9 No 2 (2024): Vol 9 No 2 (2024): Asy Syar’iyyah, Vol. 9, No.2, Desember 2024
Publisher : FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/asy.v9i2.4983

This research aims to analyze the effectiveness and efficiency of financial management in the Village-Owned Enterprise (BUMDes) "Berkah" in Ajakkang Village, Soppeng Riaja District, Barru Regency. Employing a qualitative approach, data was collected through observation, interviews, and documentation. The results indicate that BUMDes "Berkah" has successfully met community needs through three main business units: Farmers' Shop, Stationery Business, and Savings and Loans. The Farmers' Shop improves farmers' access to quality agricultural inputs at affordable prices, the Stationery Business fulfills educational and office needs of the community, while the Savings and Loans provides financial access with low interest rates. However, significant challenges remain, including lack of transparency and accountability in financial reporting, limited stock, and limited public understanding of financial services. To enhance effectiveness and efficiency, increased transparency, training for managers, and improved promotional strategies are recommended. This study concludes that with further refinement, BUMDes "Berkah" can serve as an effective model for village economic empowerment in Indonesia. Abstrak Penelitian ini bertujuan untuk menganalisis efektivitas dan efisiensi pengelolaan keuangan Badan Usaha Milik Desa (BUMDes) "Berkah" di Desa Ajakkang, Kecamatan Soppeng Riaja, Kabupaten Barru. Menggunakan pendekatan kualitatif, data dikumpulkan melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa BUMDes "Berkah" telah berhasil memenuhi kebutuhan masyarakat melalui tiga unit usaha utama: Toko Tani, Usaha ATK, dan Simpan Pinjam. Toko Tani meningkatkan aksesibilitas petani terhadap input pertanian berkualitas dengan harga terjangkau, Usaha ATK memenuhi kebutuhan pendidikan dan perkantoran masyarakat, sementara Simpan Pinjam menyediakan akses keuangan dengan bunga rendah. Meskipun demikian, tantangan signifikan masih dihadapi, termasuk kurangnya transparansi dan akuntabilitas dalam laporan keuangan, keterbatasan stok, dan pemahaman masyarakat yang terbatas tentang layanan keuangan. Untuk meningkatkan efektivitas dan efisiensi, disarankan adanya peningkatan transparansi, pelatihan bagi pengelola, dan strategi promosi yang lebih baik. Penelitian ini menyimpulkan bahwa dengan penyempurnaan lebih lanjut, BUMDes "Berkah" dapat menjadi model efektif untuk pemberdayaan ekonomi desa di Indonesia.

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