The Effectiveness of Sukuk Program Utilization In Increasing Community Income (Case Study of BSI Pamekasan Branch Office)
Abstract
State Sharia securities or sukuk have an important role in increasing people's income. Because in every issuance of this sukuk the state offers potential investors coupons or profit sharing, which is relatively high at 5-6% of deposits, but with high coupons so far the sukuk program has not been optimally utilized by the public. The purpose of this study was to determine the implementation of sales of sukuk and the effectiveness of the utilization of sukuk program in increasing people's income at Bank Syariah Indonesia Pamekasan Branch Office. The researchers used a qualitative approach. The method used is the method of interview, observation and documentation. The results of this study are the implementation of sales of sukuk in Bank Syariah Indonesia conducted online. The effectiveness of sukuk in increasing people's income is at a percentage level of 86%, this ranking explains if the sukuk program is currently included in the category of quite effective. This sukuk Program will be very effective if the purchase is above average.
Keywords
References
Abd Rahman Ghazaly. Fiqh Muamalat. Prenada Media, 2016.
Aditiya, Roby, Memen Suwandi, Nur Rahmah Sari, Dan Della Fadhilatunisa. “Potensi Sukuk Ritel Dan Sukuk Tabungan Untuk Mempercepat Pemulihan Ekonomi Pasca Pandemi Covid-19.” Equilibrium: Jurnal Penelitian Pendidikan Dan Ekonomi, Vol.19, No. 01 (29 Januari 2022): 79–90. Diakses 9 Juni 2023. Https://Journal.Uniku.Ac.Id/Index.Php/Equilibrium/Article/View/4282.
Argantara, Zaid Raya, Nuris Watun Hasanah, Nurul Annisa, and Zaitur Rohmah, ‘Implementasi Service Excellent Dalam Menigkatkan Kepuasan Nasabah Di Bank BPRS KCP Pragaan’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 3.1 (2022), 73–82
Ayoub Ledhem, Mohammed, ‘The Financial Stability of Islamic Banks and Sukuk Market Development: Is the Effect Complementary or Competitive?’, Borsa Istanbul Review, 22.S1 (2022), S79–91
Buchari, Imam, ‘Konstuksi Filosofis Akad Mudharabah Dan Relevansinya Dengan Praktik Perbankan Syariah’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 4.1 (2023), 131–46
Farhan Hamim, Rafiqi, Iqbal, ‘Reduction of Excellent Service Strategy in Increasing Customer Loyalty at BPRS Bhakti Sumekar Madya Pamekasan Branch Office’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 4.2 (2023), 253–64
Furwanti, Reni, ‘Bunga Bank Halal ? ( Tinjauan Insider / Outsider Dalam Studi Islam )’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 3.2 (2022), 174–91
Ishak, Muhammad Shahrul Ifwat, and Fathullah Asni, ‘The Role of Maqasid Al-Shari?ah in Applying Fiqh Muamalat into Modern Islamic Banking in Malaysia’, Journal of Islamic Accounting and Business Research, 11.9 (2020), 2137–54
Latifah, Siti. “Peran Sukuk Surat Berharga Syariah Negara (Sbsn) Dalam Pertumbuhan Pembangunan Ekonomi Indonesia.” Jurnal Ilmiah Ekonomi Islam, Vol.6, No. 3 (23 Oktober 2020): 421–427. Diakses 9 Juni 2023. Https://Jurnal.Stie-Aas.Ac.Id/Index.Php/Jei/Article/View/1369.
Moleong, Lexy J. “Metodologi Penelitian Kualitatif.” Diakses 16 Agustus 2023. Https://Opac.Perpusnas.Go.Id/Detailopac.Aspx?Id=1133305.
Mujibno, and Sasi Rohmah Awalia, ‘Marketing Strategy of Sharia Pawn Products in Attracting Customer Interest’, EKSYAR : Jurnal Ekonomi Syari’ah & Bisnis Islam, 9.2 (2022), 93–101
Munawwir, Ahmad Warson, Kamus Arab-Indonesia Al-Munawwir (surabaya: Pustaka Progresif, 1997)
Pardiansyah, Elif, ‘Investasi Dalam Perspektif Ekonomi Islam: Pendekatan Teoritis Dan Empiris’, Ekonmica: Jurnal Ekonomi Islam, 8.2 (2017), 337–73
Primanilisa, Siti Kurnia, and Rahmatul Fadhil, ‘Analisis Penerapan Akad Wakalah Pada Produk Pendanaan Sukuk Tabungan ( SBSN ) Melalui Layanan Financial Technology Syariah (Studi Kasus PT . Investree Radhika Jaya)’, Al-Mizan, 4.2 (2020), 56–79
Qanita, Ariza, ‘Cash Waqf Linked Green Sukuk: Analysis of Hybrid Contract Based on Fiqh Muamalah Perspective’, Jurnal Ekonomika Dan Bisnis Islam, 6.03 (2023), 19–34
Rafiqi, Iqbal, ‘Competitive Advantage Gadai Emas Syariah Pada Masa Transisi Covid-19 Di Bank Syariah Indonesia Kcp. Sumenep Trunojoyo 1’, Assyarikah: Journal of Islamic Economic Business, 3.2 (2022), 179–90
Rafiqi, Iqbal, and Siti Halimah, ‘Analisis Kesehatan Bank Pada Unit Covid-19 Dengan Menggunakan Metode RGEC’, Jurnal Masharif Al-Syariah: Jurnal Ekonomi Dan Perbankan Syariah, 9.204 (2024), 752–89
Raya Argantara, Mujibno, Eko Priyojadmiko, Zaid, ‘Pengaruh Karakteristik Bank Terhadap Profitabilitas Perbankan Syariah Melalui Good Corporate Governance (GCG) Sebagai Variabel Moderasi’, LENTERA, 20.2 (2021), 276–88
Simbolon, Siti Ena Aisyah, and Nurul Wahida Hidayat, ‘Prosedur Dan Problematika Sertifikasi Halal Di Indonesia’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 2.1 (2021), 118–32
Sugiyardi, Agus, and Nurul Hidayati, ‘The Role of Public Participation and Government Policy on Reducing the Spread of the Covid 19 Virus in Madura Indonesia’, Masyrif : Jurnal Ekonomi, Bisnis Dan Manajemen, 2.2 (2021), 199–214
Umam, Khaerul, Farhan Rahmawan Halim, Dan Oneng Purnamasari. Penerapan E-Goverment Lintas Sektor Dalam Memajukan Efektivitas Dan Efisiensi Roda Pemerintahan. Jurusan Administrasi Publik Fisip Uin Sgd Bandung, 2022.
Yati, Ibu. “Wawancara Bersama Nasabah Sukuk,” 11 November 2023.
Yulianti, Elly. “Wawancara ‘Impementasi Penjualan Sukuk,’” 22 Juni 2023.
———. “Wawancara Observasi Seputar Produk,” 14 Juli 2023.
———. “Wawancara ‘Produk Sukuk’ Bersama Relationship Manager,” Jum’at, Agustus , Jam 09:15 Wib 2023.
“Daftar Umk 2023 Di Jawa Timur.” Diakses 22 Januari 2024. Https://Www.Detik.Com/Jatim/Bisnis/D-6892330/Daftar-Umk-2023-Di-Jawa-Timur.
“Kementerian Keuangan Republik Indonesia.” Diakses 3 September 2023. Https://Www.Kemenkeu.Go.Id/Sukukritel.
DOI: 10.28944/masyrif.v5i1.1796
Refbacks
- There are currently no refbacks.
This work is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License.
