The Problem of Revenue-Sharing Principles in Indonesian Islamic Banking based on Smart Theory


Dedy Rachmad(1*), Asmuni Asmuni(2), Sugianto Sugianto(3)

(1) Universitas Islam Negeri Sumatera Utara Medan, Indonesia
(2) Universitas Islam Negeri Sumatera Utara Medan, Indonesia
(3) Universitas Islam Negeri Sumatera Utara Medan, Indonesia
(*) Corresponding Author

Abstract


The problem of implementing the principle of revenue sharing in Indonesian Islamic banking until now has not found a bright spot. It was found that some Islamic banks closed their revenue-sharing products, especially mudharabah agreements. Related to this, in an effort to accommodate the wishes of customers/prospective customers and the interests of Islamic banks, there needs to be a theory that is considered able to bridge the interests of both parties. This paper tries to meet those demands, whereby a review of smart theory literature appears and becomes the main choice in the search for literature because this article provides a qualitative descriptive summary. This paper will also develop new concepts and theories in order to complement existing theories. The results of the analysis show that smart theory has a role in accommodating the interests of Islamic banks and customers/prospective customers, but the theory developed is still conventionally charged, so it cannot be fully applied in solving the problem of revenue sharing principles in Indonesian Islamic banking. Therefore, the new theory created is to combine smart theory with maslahat theory using several approaches such as ease aspects, aspects of supervision, religious aspects, social aspects, and methodological aspects in terms of flexibility.

Keywords


Islamic Banking; revenue-sharing principles; smart theory

Full Text:

PDF

References


Ahmad, F. R. (2020). Analisis Kritis Atas Rendahnya Pembiayaan Berbasis Bagi Hasil Pada BMT di Jepara. Tawazun : Journal of Sharia Economic Law, 3(2), 141. https://doi.org/10.21043/tawazun.v3i2.8418

Amri, M. (2018). Konsep Maslahat Dalam Penetapan Hukum Islam. Et-Tijarie, 5(2), 51–64.

Asmawi, A. (2014). Konseptualisasi Teori Maslahah. SALAM: Jurnal Sosial Dan Budaya Syar-I, 1(2). https://doi.org/10.15408/sjsbs.v1i2.1548

Chouk, I., & Mani, Z. (2019). Factors for and against resistance to smart services: role of consumer lifestyle and ecosystem related variables. Journal of Services Marketing, 33(4), 449–462. https://doi.org/10.1108/JSM-01-2018-0046

Dahlia, S. H. (2009). Perlindungan Konsumen Terhadap Transaksi Jual Beli Melalui Media Internet (E-Commerce). Jurnal Wacana Hukum, 8(1), 23540.

Edastama, P. (2021). Importance of Maslahah Orientation in Sharia Institutions. Aptisi Transactions on Management (ATM), 5(2), 180–190. https://doi.org/10.33050/atm.v5i2.1595

Hermanto, A. (2017). Konsep Maslahat dalam Menyikapi. Al-’Adalah, 14(2), 433–455.

Jumani, Z. A., & Sukhabot, S. (2019). Behavioral Intentions of Different Genders of Different Religions: Purchasing Halal Logo Products at Convenience Stores in Hatyai. Journal of Management Info, 6(3), 19–29. https://doi.org/10.31580/jmi.v6i3.968

Kurniawansyah, D. (2016). Pengaruh Profit Loss Sharing Funding Ratio dan Profit Loss Sharing Financing Ratio Terhadap Profitabilitas Bank Umum Syari’ah di Indonesia dengan Efisiensi dan Risiko Sebagai Variabel Intervening. Jurnal Akuntansi Dan Keuangan, 18(1), 44–58. https://doi.org/10.9744/jak.18.1.44-58

Munadi, M., & Iswanto, B. (2020). The Concept Maslahah of Najamuddin al Tufi and It’s Relevance of Sharia Business. IQTISHODUNA: Jurnal Ekonomi Islam, 9(2), 153. https://doi.org/10.36835/iqtishoduna.v9i2.526

Mursalim, S. W. (2017). Implementasi kebijakan smart city di Kota Bandung. Jurnal Ilmu Administrasi, 14(1), 126–138.

Pradesyah, R. (2020). Al-Sharf Pengaruh Promosi Dan Pengetahuan Terhadap Minat Masyarakat Melakukan. Al-Sharf2, 1(2), 113–122. https://doi.org/10.30596/al-sharf.v%vi%i.65

Priporas, C.-V. (2020). Smart Consumers and Decision-making Process in the Smart Retailing Context through Generation Z Eyes. In Retail Futures (pp. 147–162). Bingley: Emerald Publishing Limited. https://doi.org/10.1108/978-1-83867-663-620201017

Qonaatillah, I., Susyanti, J., & Khoirul, M. (2019). Analisis Kendala Penerapan Pembiayaan Akad Mudharabah, Murabahah Dan Musyarakah Pada BMT-UGT Sidogiri Cabang Malang Kota. Jurnal Ilmiah Riset Manajemen, 8(2), 28–46.

Qorib, A., & Harahap, I. (2016). Penerapan Maslahah Mursalah Dalam Ekonomi Islam. Journal Analytica Islamica, 5(1), 55–80.

Rifai, M. (2019). Konsep Konsumen Cerdas Menurut Ekonomi Islam. IAIN Palangkaraya.

Sanchez-Segura, M. I., & Ruiz-Robles, A. (2017). Strategic characterization of process assets based on asset quality and business impact. Industrial Management and Data Systems, 117(8), 1720–1734. https://doi.org/10.1108/IMDS-10-2016-0422

Tarmizi. (2020). The Concept Of Maslahah According To Imam Al-Ghazali. Jurnal Al-Dustur, 3(1), 22–29.

Triandini, E., Jayanatha, S., Indrawan, A., Putra, G. W., & Iswara, B. (2019). Metode Systematic Literature Review untuk Identifikasi Platform dan Metode Pengembangan Sistem Informasi di Indonesia. Indonesian Journal of Information Systems (IJIS), 1(2), 63–77.

Tuti Anggraini, I. L. (2021). Analisis Strategi Pemasaran Kredit Pembiayaan Mitraguna Dalam Menarik Minat Nasabah Di Bank Syariah Indonesia Ex Bank Syariah Mandiri KCP Stabat. Journal Economy and Currency Study (JECS), 3(2), 37–46. https://doi.org/10.51178/jecs.v3i2.297




DOI: https://doi.org/10.15575/ks.v4i2.17191

Refbacks

  • There are currently no refbacks.


Copyright (c) 2022 Dedy Rachmad, Asmuni, Sugianto

Creative Commons License
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.

UIN Sunan Gunung Djati

Kota Bandung, Jawa Barat
Handphone: +6285961137790

E-mail: KSosial@uinsgd.ac.id

Lisensi Creative Commons

Khazanah Sosial  are licensed under Attribution-ShareAlike 4.0 International

Click Her For See Stats