BANCO: Jurnal Manajemen dan Perbankan Syariah <p><strong>BANCO: Jurnal Manajemen dan Perbankan Syariah</strong> is academic journal published by Prodi Perbankan Syariah&nbsp; Institut Agama Islam Negeri (IAIN) Parepare</p> <p>This journal focuses on management thought and islamic banking, research and present issues. All papers are peer-reviewed by at least two reviewers. <br><strong>The Scope of Banco Journal is:</strong></p> <p>Sharia Economic, Management and Bisnis Sharia, Sharia Banking, Economic Development, Sharia Finance and Accounting,&nbsp;Management and Economic</p> <p><strong>p-ISSN 2684-9534&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; e-ISSN 2684-8643</strong></p> en-US (An Ras Try Astuti) Wed, 01 May 2019 00:00:00 +0000 OJS 60 KOMPARASI PELAKSANAAN TAKE OVER PADA BANK NEGARA INDONESIA SYARIAH DAN BANK RAKYAT INDONESIA DI PAREPARE <p>Take Over is an action carried out by users of banking services to move payments or installments that are considered more profitable by users of banking services, where in this case the Customer, the transfer made in the form of transfer of services, payments and installments that customers consider more profitable for them Use. The transfer of payment itself involves two different banking institutions where installments or financing that run from one bank to another are transferred according to the provisions of each banking institution involved in it. The results of this study indicate that there are several differences in take-over systems implemented by Bank Negara Indonesia Syariah and Bank Rakyat Indonesia, including the contract agreement system that exists in these two banking institutions, where Bank Negara Indonesia Syariah uses a system with a sharia contract, namely the contract is a profit sharing contract, which they apply is a Murabahah contract and guidelines for the rules and procedures carried out at Take Over are the foundation of the DSN-MUI Fatwa and all provisions contained in the land, then at the Bank Rakyat Indonesia the contract used is in accordance with the provisions of the party banking itself the interest rate applied to the Contract is a Flat (fixed and Floating) interest rate or a fixed interest rate with the provisions of the installment table in accordance with the provisions of the Bank Rakyat Indonesia.</p> Zulfhaidz Husain, Muhammad Kamal Zubair, Damirah Damirah Copyright (c) Wed, 01 May 2019 00:00:00 +0000 IMPLEMENTASI FATWA DSN-MUI NO: 86/ DSN-MUI/ XII/ 2012 TENTANG HADIAH DALAM PENGHIMPUNAN DANA <p>The fatwa of the DSN-MUI is the answer issued by the National Sharia Council-Indonesian Ulama Council (DSN-MUI) as an explanation of the sharia law for people who ask questions about problems in the field of Islamic economics. The goal is that sharia principles in the fatwa be implemented in contracts for Islamic Financial Institutions (LKS). However, public statements often arise that giving gifts to Islamic banks and conventional banks is the same as the scheme and method of giving. This study aims to see how the mechanism and suitability of DSN-MUI fatwa No: 86 / DSN-MUI / XII / 2012 concerning Prizes in Fundraising (Study at Bank Muamalat KCP Parepare). The results of the research can be stated that at Muamalat bank, KCP Parepare has two savings programs with prizes, the first is prizes with prizes, customers deposit funds in the amount set by the bank for a predetermined period of time, second savings plan with prizes, customers deposit money at the beginning of the amount of money that has been determined by saving each month in the amount determined by the bank, the greater the amount of money saved the greater the number of prizes received. In the DSN-MUI fatwa related to the awarding of prizes there are 3 provisions related to this, namely the first provision related to prizes, the two provisions relating to the determination of receipt of implemented prizes according to fatwa, third not the provisions concerning prizes in deposits of Third Party Funds (DPK) all points in this fatwa implemented specifically on the third point that reads should not be the norm (habit, 'urf), that the' urf or custom prohibited by DSN-MUI in the fatwa prize aims to avoid changing intentions from the customer, intention to save become the desire to get something without effort.</p> M. Ridwan Setiawan, Rahmawati Rahmawati, Wahidin Wahidin Copyright (c) 2016 Wed, 01 May 2019 00:00:00 +0000 IMPLEMENTASI AKAD MURABAHAH PADA PEMBIAYAAN KPR DI BANK TABUNGAN NEGARA SYARIAH PAREPARE <p>This study discusses the implementation of murabahah contracts on mortgage financing in the Parepare Islamic state savings bank. That the BTN Syariah bank is a unit of conventional Bank BTN which raises doubts about mortgage financing, whether or not it has implemented murabahah contracts in mortgage financing or not. As recommended by the DSN fatwa and Indonesian banks. This study aims to determine the implementation of the murabahah contract on mortgage financing at the Parepare Syariah State Savings Bank.</p> <p>The results of this study indicate that: (1) the financing mechanism for mortgages at Bank BTN Syariah Parepare is in accordance with the rules of banks and government, the rules governed by the government are the rules regarding subsidized mortgages stipulated in PermenPUPR Number 21 / PRT / M / 2016 concerning convenience and or assistance in obtaining houses for low income people. PermenPUPR Number 26 / PRT / M / 2016 concerning changes to the ministerial regulations on public works and public housing number 21 / PRT / M / 2016 and PermenPUPR Republic of Indonesia Number 425 / KPTS / M / 2015 concerning limits on house selling prices that can be obtained through credit or financing of prosperous home ownership. (2) Implementation of murabahah contract at BTN Syariah Parepare bank, terms and conditions are in accordance with the principle of murabahah contract, murabahah contract has not implemented well on mortgage products at BTN Syariah Parepare bank due to the existence of murabahah contract elements which are not in accordance with the fatwa of the board national sharia-MUI. The element of the murabahah contract that is not in accordance with the DSN-MUI fatwa is the down payment and rescheduling. The elements of the murabahah contract are in accordance with the DSN-MUI fatwa, namely discounts, settlement of accounts receivable, fines and accelerated repayments.</p> Fitri Handayani, Rahman Ambo Masse, Sunuwati Sunuwati Copyright (c) 2016 Wed, 01 May 2019 00:00:00 +0000 RESPON PEGAWAI IAIN PAREPARE TERHADAP PRODUK PEMBIAYAAN BANK SYARIAH <p>Response is interpreted as a response, reaction and answer. A response will appear from receiving the message after a series of communications. Financing is one of the bank's main tasks, namely the provision of funds provision facilities to meet the needs of the parties which constitute a unit deficit. Employee response is used in this case to find out how much employees respond well or are interested in financing Islamic banks. This research is descriptive qualitative using a phenomenology approach. Therefore, the authors chose to use qualitative research methods to determine how to search, collect, manage, analyze data from research results and draw conclusions.The results of the study show that: 1) The financing system on Islamic bank products uses four different patterns or systems, namely: profit sharing system, buying and selling system, rental system, loan system. 2) Facilities provided by Islamic banks in the form of providing funds to meet the needs of parties with a profit sharing system. 3) Respondents' responses indicate that most respondents gave positive responses. This condition gives the impression that the employee's response to Islamic banking is perceived positively by respondents. Of the various types of products in Islamic banks, only the savings that are most sought after by sharia bank customers and their reasons for choosing these products because of sharia-compliant, lawful and safe Islamic bank products.</p> Fadhliyah Ulfah Rustan, Sitti Jamilah Amin, Syahriyah Semaun Copyright (c) 2016 Wed, 01 May 2019 00:00:00 +0000 IMPLEMENTASI MARKETING MIX DALAM TABUNGAN BARATA iB BANK BTN SYARIAH KCPS PAREPARE <p>Syariah bank BTN KCPS parepare is a bank that supply batara savings ib which make them customers to save , this product is very attractive to the community .To quantity bank in indonesia has up and each bank had to be able to having the power of its own , both the public service , innovative products to stay in business and stable .This study aims to to know the implementation of marketing mix in batara ib on kcps parepare syariah bank btn .The research was conducted in syariah bank btn kcps parepare with a kind of qualitative research was conducted by adopting both fenomenology and in collect the primary data used method of interviews and observation .As for tekhnik analyzing of inductive around. This research result indicates that , the implementation of the program and the implementation of the marketing mix in syariah bank btn kcps parepare applied to all elements videlicet; product , price , place , promotion , people , physical evidence , processe.</p> Anugrah Perdana, Abdul Hamid, Arqam Arqam Copyright (c) 2016 Wed, 01 May 2019 00:00:00 +0000 FAKTOR-FAKTOR YANG MEMPENGARUHI KEPUTUSAN NASABAH MENGGUNAKAN PRODUK GADAI EMAS DI BANK SYARIAH MANDIRI KCP POLEWALI <p>This study aims to find out if the factors that consisting of factors promotion, factors influential damage value services and factors of the decision to use the customers gold pawn in a bank syariah mandiri as well as to know whether the most commonly the influential between promotion , services and factors factors value assessment of the decision to use the customers gold pawn in a bank syariah mandiri kcp polewali .The research is quantitative research with the methods descriptive .As for the data collection was done through the distribution of the questionnaire The methodology that was used to test hypotheses is by using the practical , reliability test , normality test , of multiple regression analysis , t test , test f , the coefficient of determination ( adjusted r square ) , and correlations double .Based on the research done it can be seen that the regression equation is linear research and the worship of idols in this is y: 3,138 + 0,141x1 + 0,270x2 + 0,407x3, The results of the testing simultaneously ( f ) variable x consisting of the x1 ) ( promotion , the service ( ) x2 , and the damage the x3 ( ) led to a positive and significant of the decision of customers to use the gold pawn of significantly by 0,000; 0,05 &amp; it .Then , the results of the test on this fact ( ) suggests that the variable t ( service x2 ) value assessment and the x3 ( ) most dominant influence simultaneously with the resolution of customers to use the gold pawn , it is spotted with significant value and 0,000 0,006; 0,05 &amp; it .</p> Jumiarni Jumiarni, Moh. Yasin Soumena, Rusnaena Rusnaena Copyright (c) 2016 Wed, 01 May 2019 00:00:00 +0000