1. Home
  2. Alhamra, Volume 4, No. 2, Agustus 2023
  3. Andriyanti

Faktor yang Mempengaruhi Persepsi Pegawai Mengenai Pembiayaan Salam

Ierma Andriyanti, Falikhatun Falikhatun

Abstract


Pembiayaan akad bai’ salam belum menjadi perhatian khusus bagi lembaga keuangan syariah BPR Syariah di Indonesia. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi persepsi pegawai mengenai praktik pembiayaan salam pada BPR Syariah di Indonesia. Penelitian ini merupakan penelitian kuantitatif dengan menyebarkan kuesioner kepada pegawai di BPR Syariah Indonesia. Uji regresi berganda digunakan untuk memprediksi 50 responden yang dijadikan sampel di Indonesia yang dipilih dengan menggunakan metode purposive sampling. Temuan analisis penelitian ini menunjukkan bahwa terdapat pengaruh positif yang signifikan secara statistik antara tingkat risiko, kebutuhan, dan peluang terhadap persepsi karyawan terhadap pembiayaan salam.

Keywords


Pembiayaan; Salam; Persepsi; Syariah; Bank Islam

References


Affandi, Anas. (2014). Makna Pembiayaan Salam Perspektif Perbankan Syariah Dan Petani Di Probolinggo. Jurnal Ilmiah Mahasiswa FEB vol 2, No 2

Ajzen, I. (1991). The Theory of Planned Behavior. Organizational Behavior and Human Decision Processes, 50: 179-211.

Anwer, Z. 2020. Salam for import operations mitigating commodity macro risk. Journal of Islamic Accounting and Business Research. Vol. 11 No. 8 pp. 1497-1514 DOI 10.1108/JIABR-09-2018-0142

Aslam et al., (2011) A Comparative Analysis of Bankers Perception on Islamic Banking in Pakistan. International Journal of Economics and Research., 2011 2(4), 1-12.

Atah, U.I., Mohammed, M.O., Adawiyya, E.R. and Adeyemi, A.A. (2019), “Proposed secured Bay-Salam model for financing agriculture by Islamic banks”, International Journal of Management and Applied Research, Vol. 6 No. 4, pp. 181-195. DOI: https://doi.org/10.18646/2056.64.19-013

Badrol Hisham, A.F. and Mohd Jaffar, M. (2016). Salam Contract with Credit Risk Model by Partial Differential Equation Approach. Jurnal Teknologi. 78, 11 (Oct. 2016). DOI: https://doi.org/10.11113/.v78.7295.

Hisham, Azie Farhani Badrol and Jaffar, Maheran Mohd. (2017). Modeling commodity salam contract between two parties for discrete and continuous time series. AIP Conference Proceedings. 7 August 2017. Vol. 1870, no. 1, p. 040022. DOI 10.1063/1.4995854

Kaleem, A. and Wajid, R. (2009), “Application of Islamic banking instrument (bai salam) for agriculture financing in Pakistan”, British Food Journal, Vol. 111 No. 3, pp. 275-292, DOI: https://doi.org/10.1108/00070700910941471

Mohammed Farid Ali al-Fijawi. (2016). Salam (Forward Sale) And Istiønañ (Manufacture Contract) In Modern Applications: A Maqóøid Al-Sharīñah Perspective. International Journal of Business, Economics, and Law, Vol. 9, Issue 5 (Apr.) ISSN 2289-1552.

Ningsih, W. F. (2016). Modification Finance of Salam and the Implications for Salam Accounting Treatment in Indonesia. Procedia - Social and Behavioral Sciences 219:528-533. DOI: 10.1016/j.sbspro.2016.05.030

Nurhayati, S. and Wasilah, A. (2015), Akuntansi Syariah di Indonesia, (4th ed.), Salemba Empat: Jakarta.

Otoritas Jasa Keuangan. (2022). Komposisi Pembiayan Syariah Menurut Bank Umum Syariah, UUS, BPR Syariah Juni 2022. Statistik Online. (www.ojk.go.id)

Qusthoniah. (2016). Analisis Kritis Akad Salam di Perbankan Syariah.Indragiri: Jurnal Syari’ah UNISI, V (1).

Mulyany, Ratna; Indriani, Mirna; Indayani, Indayani. (2021). Salam financing: from common local issues to a potential international framework. International Journal of Islamic and Middle Eastern Finance and Management, Volume 15, Number 1, 2021, pp. 203-217(15) DOI https://doi.org/10.1108/IMEFM-01-2020-0008

Muhammad Akhyar Adnan, Nery Revisa, Yanuar Mohamad Faiq. (2016). Faktor- FaktorFaktor Yang Memengaruhi Belum Diaplikasikannya Akad Salam Pada Perbankan Syariah (Studi Pada 3 BPRS Yogyakarta dan 3 BUS Bali), Prosiding Full Paper, Simposium Nasional Akuntansi XIX, Lampung, 2016

Roziq, A., Hisamuddin, N., Wahyuni, N. I., Purnawati, I. (2014). Model Pembiayaan Salam pada Petani Singkong dan Usaha Kecil Berbahan Singkong di Kabupaten Jember. Jurnal Akuntasi Universitas Jember. Vol. 12 No. 2, pp. 43-57, DOI https://doi.org/10.19184/jauj.v12i2.1410

Saiti., B., Afghan, M., & Noordin, N.H. (2018). Financing agricultural activities in Afghanistan: a proposed salambased crowdfunding structure. ISRA International Journal of Islamic Finance, 10:1, 56-61. DOI 10.1108/IJIF-09-2017-0029

Sekaran, U. and Bougie, R. (2019), Research Methods for Business, 7th ed., John Wiley and Sons, New York, NY.

Shafiai, M. and Moi, M. (2015), “Financial problems among farmers in Malaysia: Islamic agricultural finance as a possible solution”, Asian Social Science, Vol. 11 No. 4, pp.1-16

Sugiyono. 2017. Metode Penelitian Bisnis. Bandung: Penerbit Alfabeta.

Widiana, Arna Asna Annisa. (2017). Menilik Urgensi Penerapan Pembiayaan Akad Salam pada Bidang Pertanian di Lembaga Keuangan Syariah di Indonesia. Jurnal Muqtasid, 8(2) 2017: 88-101.


Full Text: PDF

DOI: 10.30595/ajsi.v4i2.17358

Refbacks

  • There are currently no refbacks.


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

ISSN: 2774-3101