{"id":1930,"date":"2020-01-15T08:49:50","date_gmt":"2020-01-15T01:49:50","guid":{"rendered":"http:\/\/bbs.binus.ac.id\/management\/?p=1930"},"modified":"2020-01-15T13:18:40","modified_gmt":"2020-01-15T06:18:40","slug":"faktor-yang-mempengaruhi-supply-demand-di-bank-syariah","status":"publish","type":"post","link":"https:\/\/bbs.binus.ac.id\/management\/2020\/01\/faktor-yang-mempengaruhi-supply-demand-di-bank-syariah\/","title":{"rendered":"Faktor\u00a0yang\u00a0Mempengaruhi\u00a0Supply-Demand di Bank\u00a0Syariah\u00a0"},"content":{"rendered":"

Perbankan<\/span>\u00a0<\/span>Syariah<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>suatu<\/span>\u00a0<\/span>sistem<\/span>\u00a0<\/span>perbankan<\/span>\u00a0y<\/span>ang\u00a0<\/span>pelaksanaanya<\/span>\u00a0<\/span>berdasarkan<\/span>\u00a0<\/span>hu<\/span>kum<\/span>\u00a0Islam\u00a0<\/span>atau<\/span>\u00a0<\/span>Syariah<\/span>.\u00a0<\/span>Pemben<\/span>tukan<\/span>\u00a0<\/span>sistem<\/span>\u00a0<\/span>ini<\/span>\u00a0<\/span>berdasarkan<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>larangan<\/span>\u00a0<\/span>dalam<\/span> agama\u00a0 Islam\u00a0 <\/span>untuk<\/span> \u00a0<\/span>meminjamkan<\/span> \u00a0<\/span>atau<\/span>\u00a0<\/span>memungut <\/span>\u00a0<\/span>pinjaman<\/span> \u00a0<\/span>dengan<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>bunga<\/span>\u00a0<\/span>pinjaman<\/span>,<\/span>\u00a0<\/span>serta<\/span>\u00a0<\/span>larangan-larangan<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>berinvestasi<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>usaha-usaha<\/span>\u00a0yang\u00a0<\/span>bersifat<\/span>\u00a0<\/span>(<\/span>haram<\/span>)<\/span>\u00a0<\/span>menurut<\/span>\u00a0<\/span>ajaran<\/span>\u00a0Islam.\u00a0<\/span>Itu<\/span>lah<\/span>\u00a0<\/span>sebabnya<\/span>\u00a0<\/span>operasional<\/span>\u00a0bank\u00a0<\/span>S<\/span>yariah<\/span>\u00a0<\/span>berbeda<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>operasional<\/span>\u00a0bank\u00a0<\/span>konvensional<\/span>.\u00a0<\/span>Bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>berorientasi<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>keuntungan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>kebahagiaan<\/span>\u00a0<\/span>dunia<\/span>\u00a0<\/span>sesuai<\/span>\u00a0<\/span>ajaran<\/span>\u00a0Islam,\u00a0<\/span>seoangkan<\/span>\u00a0bank\u00a0<\/span>konvensional<\/span>\u00a0<\/span>berorientasi<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>keuntungan<\/span>.\u00a0<\/span>Hubungan<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>dalam<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>berben<\/span>t<\/span>uk<\/span>\u00a0<\/span>kemitraan<\/span>,<\/span>\u00a0<\/span>sedangkan<\/span>\u00a0<\/span>dalam<\/span>\u00a0bank\u00a0<\/span>konvesional<\/span>\u00a0<\/span>hubungan<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bentuk<\/span>\u00a0<\/span>kreditur-debitur<\/span>.<\/span>\u00a0<\/span>\u00a0<\/span><\/p>\n

D<\/span>al<\/span>a<\/span>m<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>penghimpu<\/span>nan<\/span>\u00a0<\/span>dana<\/span>\u00a0<\/span>maupun<\/span>\u00a0<\/span>penyaluran<\/span>\u00a0<\/span>dana<\/span>\u00a0<\/span>ada<\/span>\u00a0<\/span>beberapa<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>yang\u00a0<\/span>mempengaruhi<\/span>\u00a0<\/span>permintaan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>penawaran<\/span>\u00a0<\/span>bank\u00a0<\/span>Syariah<\/span>.\u00a0<\/span>Pengertian<\/span>\u00a0<\/span>permintaa<\/span>n<\/span>\u00a0<\/span>sendiri<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>barang<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>ingin<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>mampu<\/span>\u00a0<\/span>dibeli<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>konsu<\/span>men<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>tingkat<\/span>\u00a0<\/span>harga<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>waktu<\/span>\u00a0<\/span>tertentu<\/span>.\u00a0<\/span>Sedangkan<\/span>,\u00a0<\/span>pengertian<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>penawara<\/span>n<\/span>\u00a0<\/span><\/i>adalah<\/span>\u00a0<\/span>jumlah<\/span>\u00a0<\/span>barang<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>tersedia<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>dijual<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>ditawarkan<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>penjual<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>tingkat<\/span>\u00a0<\/span>harga<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>waktu<\/span>\u00a0<\/span>tertentu<\/span>.<\/span>\u00a0<\/span><\/p>\n

Permintaan<\/span>\u00a0<\/span>pada<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>meningkat<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0<\/span>sistem<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0di bank\u00a0<\/span>Syariah<\/span>\u00a0yang\u00a0<\/span>tidak<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>bunga<\/span>. Salah\u00a0<\/span>satu<\/span>\u00a0<\/span>jenis<\/span>\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>syariah<\/span>\u00a0yang\u00a0<\/span>cukup<\/span>\u00a0<\/span>diminati<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>Murabhahah<\/span>.<\/span>\u00a0<\/span>Murabhahah<\/span>\u00a0<\/span>adalah<\/span>\u00a0proses\u00a0<\/span>pinjaman<\/span>\u00a0<\/span>dana<\/span>\u00a0<\/span>berupa<\/span>\u00a0<\/span>jual<\/span>\u00a0<\/span>beli<\/span>\u00a0<\/span>barang<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>keuntungan<\/span>\u00a0<\/span>pihak<\/span>\u00a0bank\u00a0<\/span>berupa<\/span>\u00a0<\/span>margin<\/span><\/i>\u00a0<\/span>dari<\/span>\u00a0<\/span>barang<\/span>\u00a0yang\u00a0<\/span>telah<\/span>\u00a0<\/span>dibeli<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>dijual<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>peminjam<\/span>\u00a0yang\u00a0<\/span>dibutuhkannya<\/span>. Proses\u00a0<\/span>ini<\/span>\u00a0<\/span>dilakukan<\/span>\u00a0<\/span>secara<\/span>\u00a0<\/span>transparan<\/span>\u00a0<\/span>dengan<\/span>\u00a0kata lain\u00a0<\/span>pihak<\/span>\u00a0<\/span>peminjam<\/span>\u00a0<\/span>mengetahui<\/span>\u00a0<\/span>berapa<\/span>\u00a0<\/span>margin<\/span><\/i>\u00a0yang\u00a0<\/span>dikenakan<\/span>\u00a0<\/span>pihak<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>mereka<\/span>.<\/span>\u00a0<\/span><\/p>\n

Namun<\/span>\u00a0di\u00a0<\/span>sisi<\/span>\u00a0<\/span>lain<\/span>,\u00a0<\/span>permintaan<\/span>\u00a0<\/span>pada<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>menurun<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>istilah-istilah<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>nama-nama<\/span>\u00a0<\/span>produk<\/span>\u00a0yang\u00a0<\/span>tidak<\/span>\u00a0<\/span>dimengerti<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>masyarakat<\/span>.\u00a0<\/span>Produk<\/span>\u00a0<\/span>yang\u00a0<\/span>ditawarkan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>istilah-istilah<\/span>\u00a0<\/span>dalam<\/span>\u00a0bank\u00a0<\/span>syariah<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>bahasa<\/span>\u00a0Arab yang\u00a0<\/span>tidak<\/span>\u00a0<\/span>dimengerti<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>semua<\/span>\u00a0oran<\/span>g. Hal\u00a0<\/span>tersebut<\/span>\u00a0<\/span>menyebabkan<\/span>\u00a0<\/span>penurunan<\/span>\u00a0<\/span>minat<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>mejadi<\/span>\u00a0<\/span>anggota<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>terutama<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>nonmuslim<\/span>.\u00a0<\/span>Padahal<\/span>,\u00a0<\/span>masyarakat<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>beragam<\/span>\u00a0agama di Indonesia\u00a0<\/span>juga<\/span>\u00a0<\/span>ada<\/span>\u00a0yang\u00a0<\/span>tertarik<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>sistem<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>perbankan<\/span>\u00a0yang\u00a0<\/span>ditawarkan<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>.<\/span>\u00a0<\/span><\/p>\n

\u00a0<\/span><\/p>\n

Tidak<\/span>\u00a0<\/span>hanya<\/span>\u00a0<\/span>permintaan<\/span>\u00a0yang\u00a0<\/span>berpengaruh<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>pelaksanaan<\/span>\u00a0<\/span>operasional<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>.\u00a0<\/span>Penawaran<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>pengaruh<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>layanan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>disediakan<\/span>\u00a0<\/span>oleh<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>. Bank\u00a0 <\/span>Syariah<\/span>\u00a0 yang <\/span>berbasis<\/span>\u00a0<\/span>ajaran<\/span>\u00a0Islam\u00a0<\/span>dalam<\/span>\u00a0<\/span>pelaksanaan<\/span>\u00a0<\/span>operasional<\/span>\u00a0<\/span>nya<\/span>\u00a0<\/span>memiliki<\/span>\u00a0<\/span>beberapa<\/span>\u00a0<\/span>hal<\/span>\u00a0yang\u00a0<\/span>berpengaruh<\/span>\u00a0<\/span>terhadap<\/span>\u00a0<\/span>meningkatnya<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>menurunnya<\/span>\u00a0<\/span>layanan<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>dalam<\/span>\u00a0proses\u00a0<\/span>pelaksanaannya<\/span>\u00a0<\/span>berdasarkan<\/span>\u00a0<\/span>ajaran<\/span>\u00a0Islam.<\/span>\u00a0<\/span><\/p>\n

Penawaran<\/span>\u00a0<\/span>pada<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>meningkat<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0<\/span>produk-p<\/span>roduk<\/span>\u00a0 bank <\/span>Syariah<\/span>\u00a0yang\u00a0<\/span>memanfaatkan<\/span>\u00a0<\/span>teknologi<\/span>.\u00a0<\/span>Kemajuan<\/span>\u00a0<\/span>teknologi<\/span>\u00a0<\/span>membutuhkan<\/span>\u00a0<\/span>faktoir<\/span>\u00a0<\/span>produksi<\/span>\u00a0yang\u00a0<\/span>lebih<\/span>\u00a0<\/span>sedikit<\/span>.\u00a0<\/span>Dapat<\/span>\u00a0<\/span>dikatakan<\/span>\u00a0<\/span>bahwa<\/span>\u00a0<\/span>teknologi<\/span>\u00a0yang\u00a0<\/span>ada<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>menekan<\/span>\u00a0<\/span>biaya<\/span>\u00a0<\/span>produksi<\/span>\u00a0<\/span>sehingga<\/span>\u00a0<\/span>ak<\/span>an<\/span>\u00a0<\/span>meningkatkan<\/span>\u00a0<\/span>penawaran<\/span>.\u00a0<\/span>Masyarakat<\/span>\u00a0di era\u00a0<\/span>milenial<\/span>\u00a0 i<\/span>ni<\/span>\u00a0<\/span>pasti<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>mengutamakan<\/span>\u00a0<\/span>kemudahan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>segala<\/span>\u00a0<\/span>hal<\/span>.\u00a0<\/span>Begitu<\/span>\u00a0<\/span>juga<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>sistem<\/span>\u00a0<\/span>perbankan<\/span>.\u00a0<\/span>Masyarakat<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>tertarik<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>menggunakan<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>perbankan<\/span>\u00a0<\/span>jika<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>fitur<\/span>\u00a0yang\u00a0<\/span>ditawarkan<\/span>\u00a0<\/span>memberi<\/span>\u00a0<\/span>kemudahan<\/span>\u00a0<\/span>bagi<\/span>\u00a0<\/span>masyarakat<\/span>.\u00a0<\/span>Sebagai<\/span>\u00a0<\/span>contoh<\/span>, bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>sudah<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>layanan<\/span>\u00a0mobile\u00a0<\/span>dan<\/span>\u00a0internet banking.\u00a0<\/span>Dengan<\/span>\u00a0<\/span>adanya<\/span>\u00a0mobile\u00a0<\/span>dan<\/span>\u00a0internet banking,\u00a0<\/span>nasabah<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>lebih<\/span>\u00a0<\/span>dimudahkan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>melakukan<\/span>\u00a0<\/span>transaksi<\/span>\u00a0<\/span>perbankan<\/span>.\u00a0<\/span>Sehingga<\/span>,\u00a0<\/span>penawaran<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>meningkat<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>layanan<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0yang\u00a0<\/span>berbasis<\/span>\u00a0<\/span>teknologi<\/span>.<\/span>\u00a0<\/span><\/p>\n

Penawaran<\/span>\u00a0<\/span>pada<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>menurun<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0<\/span>kurangnya<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>daya<\/span>\u00a0<\/span>manusia<\/span>.\u00a0<\/span>Pengertian<\/span>\u00a0<\/span>penawaran<\/span>\u00a0<\/span>adalah<\/span>\u00a0<\/span>barang<\/span>\u00a0<\/span>atau<\/span>\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>ditawarkan<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>penjual<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>tingkat<\/span>\u00a0<\/span>harga<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>waktu<\/span>\u00a0<\/span>tertentu<\/span>.\u00a0<\/span>Dalam<\/span>\u00a0<\/span>hal<\/span>\u00a0<\/span>ini<\/span>,\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>ditawarkan<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>kepada<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>menurun<\/span>\u00a0<\/span>dikarenakan<\/span>\u00a0<\/span>kurangnya<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>daya<\/span>\u00a0<\/span>manusia<\/span>. Bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>memerlukan<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>daya<\/span>\u00a0yang\u00a0<\/span>berkompeten<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>mumpuni<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bidang<\/span>\u00a0<\/span>Syariah<\/span>.\u00a0<\/span>Tentunya<\/span>, bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>memerlukan<\/span>\u00a0orang-orang yang\u00a0<\/span>dilatih<\/span>,\u00a0<\/span>diajarkan<\/span>,\u00a0<\/span>mengerti<\/span>,\u00a0<\/span>dan<\/span>\u00a0<\/span>mendalami<\/span>\u00a0<\/span>bidang-bidang<\/span>\u00a0yang\u00a0<\/span>berkaitan<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>pelaksanaan<\/span>\u00a0<\/span>operasional<\/span>\u00a0bank.\u00a0<\/span>Namun<\/span>,\u00a0<\/span>tidak<\/span>\u00a0<\/span>banyak<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>daya<\/span>\u00a0<\/span>manusia<\/span>\u00a0yang\u00a0<\/span>lulus<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>perguruan<\/span>\u00a0<\/span>tinggi<\/span>\u00a0<\/span>Syariah<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>terjun<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bidang<\/span>\u00a0<\/span>pendidikan<\/span>\u00a0<\/span>Syariah<\/span>.\u00a0\u00a0<\/span>Sehingga<\/span>, bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>mengalami<\/span>\u00a0<\/span>kesulitan<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>perekrutan<\/span>\u00a0<\/span>karyawan<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>bekerja<\/span>\u00a0di bank\u00a0<\/span>Syariah<\/span>\u00a0yang\u00a0<\/span>bertugas<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>menyediakan<\/span>\u00a0<\/span>jasa<\/span>\u00a0<\/span>layanan<\/span>\u00a0<\/span>bagi<\/span>\u00a0<\/span>nasabah<\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Dengan<\/span>\u00a0<\/span>adanya<\/span>\u00a0<\/span>hal-hal<\/span>\u00a0yang\u00a0<\/span>mempengaruhi<\/span>\u00a0<\/span>penawaran<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>permintaan<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>jasa<\/span>\u00a0yang\u00a0<\/span>disediakan<\/span>\u00a0bank\u00a0<\/span>Sy<\/span>ariah<\/span>, bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>solusi<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>menyelesaikan<\/span>\u00a0<\/span>masalah<\/span>\u00a0yang\u00a0<\/span>ada<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>memberikan<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>alternatif<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>meningkatkan<\/span>\u00a0<\/span>produk<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>layanan<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>.\u00a0<\/span>Bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>akan<\/span>\u00a0<\/span>meningkatkan<\/span>\u00a0<\/span>layanan<\/span>\u00a0<\/span>berbasis<\/span>\u00a0<\/span>teknologi<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>kenyamanan<\/span>\u00a0<\/span>nasabah<\/span>.\u00a0<\/span>Istilah-istilah<\/span>\u00a0<\/span>dalam<\/span>\u00a0<\/span>bahasa<\/span>\u00a0Arab\u00a0<\/span>disertai<\/span>\u00a0<\/span>bahasa<\/span>\u00a0<\/span>Nasional<\/span>\u00a0agar\u00a0<\/span>lebih<\/span>\u00a0<\/span>dimengerti<\/span>\u00a0<\/span>oleh<\/span>\u00a0<\/span>nasabah<\/span>\u00a0<\/span>dari<\/span>\u00a0<\/span>berbagai<\/span>\u00a0<\/span>kalangan<\/span>.\u00a0<\/span>Untuk<\/span>\u00a0<\/span>mengatasi<\/span>\u00a0<\/span>masalah<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>daya<\/span>\u00a0<\/span>manusia<\/span>,\u00a0<\/span>sebaiknya<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>memiliki<\/span>\u00a0program\u00a0<\/span>pendidikan<\/span>\u00a0<\/span>khusus<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>menyediakan<\/span>\u00a0<\/span>sumber<\/span>\u00a0<\/span>daya<\/span>\u00a0<\/span>manusia<\/span>\u00a0yang\u00a0<\/span>mengarah<\/span>\u00a0<\/span>pada<\/span>\u00a0<\/span>pelaksanaan<\/span>\u00a0<\/span>operasional<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>.\u00a0<\/span>Sehingga<\/span>, bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>dapat<\/span>\u00a0<\/span>menjalankan<\/span>\u00a0<\/span>operasioanal<\/span>\u00a0<\/span>dengan<\/span>\u00a0<\/span>efektif<\/span>\u00a0<\/span>dan<\/span>\u00a0<\/span>efisien<\/span>\u00a0<\/span>untuk<\/span>\u00a0<\/span>men<\/span>ingkatkan<\/span>\u00a0<\/span>layanan<\/span>\u00a0bank\u00a0<\/span>Syariah<\/span>\u00a0<\/span>kepada<\/span>\u00a0masyarakat.<\/span>\u00a0<\/span><\/p>\n

Penulis: Ruth\u00a0<\/span>Dwi<\/span>\u00a0<\/span>Yuliani (<\/span>2301937<\/span>7<\/span>72); <\/span>Sharon\u00a0<\/span>Josephin<\/span>\u00a0E<\/span>.J.P (<\/span>2301937<\/span>904); <\/span>Yo<\/span>landa Angie\u00a0<\/span>Puspita (<\/span>2301937910)<\/span><\/p>\n

\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Perbankan\u00a0Syariah\u00a0adalah\u00a0suatu\u00a0sistem\u00a0perbankan\u00a0yang\u00a0pelaksanaanya\u00a0berdasarkan\u00a0hukum\u00a0Islam\u00a0atau\u00a0Syariah.\u00a0Pembentukan\u00a0sistem\u00a0ini\u00a0berdasarkan\u00a0adanya\u00a0larangan\u00a0dalam agama\u00a0 Islam\u00a0 untuk \u00a0meminjamkan \u00a0atau\u00a0memungut \u00a0pinjaman \u00a0dengan\u00a0menggunakan\u00a0bunga\u00a0pinjaman,\u00a0serta\u00a0larangan-larangan\u00a0untuk\u00a0berinvestasi\u00a0pada\u00a0usaha-usaha\u00a0yang\u00a0bersifat\u00a0(haram)\u00a0menurut\u00a0ajaran\u00a0Islam.\u00a0Itulah\u00a0sebabnya\u00a0operasional\u00a0bank\u00a0Syariah\u00a0berbeda\u00a0dengan\u00a0operasional\u00a0bank\u00a0konvensional.\u00a0Bank\u00a0Syariah\u00a0berorientasi\u00a0pada\u00a0keuntungan\u00a0dan\u00a0kebahagiaan\u00a0dunia\u00a0sesuai\u00a0ajaran\u00a0Islam,\u00a0seoangkan\u00a0bank\u00a0konvensional\u00a0berorientasi\u00a0pada\u00a0keuntungan.\u00a0Hubungan\u00a0dengan\u00a0nasabah\u00a0dalam\u00a0bank\u00a0Syariah\u00a0berbentuk\u00a0kemitraan,\u00a0sedangkan\u00a0dalam\u00a0bank\u00a0konvesional\u00a0hubungan\u00a0dengan\u00a0nasabah\u00a0dalam\u00a0bentuk\u00a0kreditur-debitur.\u00a0\u00a0 Dalam\u00a0hal\u00a0penghimpunan\u00a0dana\u00a0maupun\u00a0penyaluran\u00a0dana\u00a0ada\u00a0beberapa\u00a0hal\u00a0yang\u00a0mempengaruhi\u00a0permintaan\u00a0dan\u00a0penawaran\u00a0bank\u00a0Syariah.\u00a0Pengertian\u00a0permintaan\u00a0sendiri\u00a0adalah\u00a0barang\u00a0atau\u00a0jasa\u00a0yang\u00a0ingin\u00a0dan\u00a0mampu\u00a0dibeli\u00a0oleh\u00a0konsumen\u00a0pada\u00a0berbagai\u00a0tingkat\u00a0harga\u00a0pada\u00a0waktu\u00a0tertentu.\u00a0Sedangkan,\u00a0pengertian\u00a0dari\u00a0penawaran\u00a0adalah\u00a0jumlah\u00a0barang\u00a0atau\u00a0jasa\u00a0yang\u00a0tersedia\u00a0dan\u00a0dapat\u00a0dijual\u00a0atau\u00a0ditawarkan\u00a0oleh\u00a0penjual\u00a0pada\u00a0berbagai\u00a0tingkat\u00a0harga\u00a0dan\u00a0pada\u00a0waktu\u00a0tertentu.\u00a0 Permintaan\u00a0pada\u00a0bank\u00a0Syariah\u00a0meningkat\u00a0dikarenakan\u00a0sistem\u00a0pinjaman\u00a0di bank\u00a0Syariah\u00a0yang\u00a0tidak\u00a0menggunakan\u00a0bunga. Salah\u00a0satu\u00a0jenis\u00a0pinjaman\u00a0syariah\u00a0yang\u00a0cukup\u00a0diminati\u00a0adalah\u00a0Murabhahah.\u00a0Murabhahah\u00a0adalah\u00a0proses\u00a0pinjaman\u00a0dana\u00a0berupa\u00a0jual\u00a0beli\u00a0barang\u00a0dengan\u00a0keuntungan\u00a0pihak\u00a0bank\u00a0berupa\u00a0margin\u00a0dari\u00a0barang\u00a0yang\u00a0telah\u00a0dibeli\u00a0untuk\u00a0dijual\u00a0kepada\u00a0peminjam\u00a0yang\u00a0dibutuhkannya. Proses\u00a0ini\u00a0dilakukan\u00a0secara\u00a0transparan\u00a0dengan\u00a0kata lain\u00a0pihak\u00a0peminjam\u00a0mengetahui\u00a0berapa\u00a0margin\u00a0yang\u00a0dikenakan\u00a0pihak\u00a0bank\u00a0Syariah\u00a0kepada\u00a0mereka.\u00a0 Namun\u00a0di\u00a0sisi\u00a0lain,\u00a0permintaan\u00a0pada\u00a0bank\u00a0Syariah\u00a0menurun\u00a0dikarenakan\u00a0banyak\u00a0istilah-istilah\u00a0dan\u00a0nama-nama\u00a0produk\u00a0yang\u00a0tidak\u00a0dimengerti\u00a0oleh\u00a0masyarakat.\u00a0Produk\u00a0yang\u00a0ditawarkan\u00a0dan\u00a0istilah-istilah\u00a0dalam\u00a0bank\u00a0syariah\u00a0menggunakan\u00a0bahasa\u00a0Arab yang\u00a0tidak\u00a0dimengerti\u00a0oleh\u00a0semua\u00a0orang. Hal\u00a0tersebut\u00a0menyebabkan\u00a0penurunan\u00a0minat\u00a0masyarakat\u00a0untuk\u00a0mejadi\u00a0anggota\u00a0bank\u00a0Syariah\u00a0terutama\u00a0untuk\u00a0masyarakat\u00a0nonmuslim.\u00a0Padahal,\u00a0masyarakat\u00a0dari\u00a0beragam\u00a0agama di Indonesia\u00a0juga\u00a0ada\u00a0yang\u00a0tertarik\u00a0dengan\u00a0sistem\u00a0produk\u00a0perbankan\u00a0yang\u00a0ditawarkan\u00a0bank\u00a0Syariah.\u00a0 \u00a0 Tidak\u00a0hanya\u00a0permintaan\u00a0yang\u00a0berpengaruh\u00a0pada\u00a0pelaksanaan\u00a0operasional\u00a0bank\u00a0Syariah.\u00a0Penawaran\u00a0juga\u00a0memberikan\u00a0pengaruh\u00a0pada\u00a0layanan\u00a0dan\u00a0jasa\u00a0yang\u00a0disediakan\u00a0oleh\u00a0bank\u00a0Syariah. Bank\u00a0 Syariah\u00a0 yang berbasis\u00a0ajaran\u00a0Islam\u00a0dalam\u00a0pelaksanaan\u00a0operasional\u00a0nya\u00a0memiliki\u00a0beberapa\u00a0hal\u00a0yang\u00a0berpengaruh\u00a0terhadap\u00a0meningkatnya\u00a0dan\u00a0menurunnya\u00a0layanan\u00a0dan\u00a0jasa\u00a0yang\u00a0dalam\u00a0proses\u00a0pelaksanaannya\u00a0berdasarkan\u00a0ajaran\u00a0Islam.\u00a0 Penawaran\u00a0pada\u00a0bank\u00a0Syariah\u00a0meningkat\u00a0dikarenakan\u00a0produk-produk\u00a0 bank Syariah\u00a0yang\u00a0memanfaatkan\u00a0teknologi.\u00a0Kemajuan\u00a0teknologi\u00a0membutuhkan\u00a0faktoir\u00a0produksi\u00a0yang\u00a0lebih\u00a0sedikit.\u00a0Dapat\u00a0dikatakan\u00a0bahwa\u00a0teknologi\u00a0yang\u00a0ada\u00a0dapat\u00a0menekan\u00a0biaya\u00a0produksi\u00a0sehingga\u00a0akan\u00a0meningkatkan\u00a0penawaran.\u00a0Masyarakat\u00a0di era\u00a0milenial\u00a0 ini\u00a0pasti\u00a0lebih\u00a0mengutamakan\u00a0kemudahan\u00a0dalam\u00a0melakukan\u00a0segala\u00a0hal.\u00a0Begitu\u00a0juga\u00a0dalam\u00a0sistem\u00a0perbankan.\u00a0Masyarakat\u00a0akan\u00a0tertarik\u00a0untuk\u00a0menggunakan\u00a0produk\u00a0perbankan\u00a0jika\u00a0produk\u00a0atau\u00a0fitur\u00a0yang\u00a0ditawarkan\u00a0memberi\u00a0kemudahan\u00a0bagi\u00a0masyarakat.\u00a0Sebagai\u00a0contoh, bank\u00a0Syariah\u00a0sudah\u00a0memberikan\u00a0layanan\u00a0mobile\u00a0dan\u00a0internet banking.\u00a0Dengan\u00a0adanya\u00a0mobile\u00a0dan\u00a0internet banking,\u00a0nasabah\u00a0bank\u00a0Syariah\u00a0lebih\u00a0dimudahkan\u00a0dalam\u00a0melakukan\u00a0transaksi\u00a0perbankan.\u00a0Sehingga,\u00a0penawaran\u00a0bank\u00a0Syariah\u00a0meningkat\u00a0dikarenakan\u00a0adanya\u00a0produk\u00a0dan\u00a0layanan\u00a0bank\u00a0Syariah\u00a0yang\u00a0berbasis\u00a0teknologi.\u00a0 Penawaran\u00a0pada\u00a0bank\u00a0Syariah\u00a0menurun\u00a0dikarenakan\u00a0kurangnya\u00a0sumber\u00a0daya\u00a0manusia.\u00a0Pengertian\u00a0penawaran\u00a0adalah\u00a0barang\u00a0atau\u00a0jasa\u00a0yang\u00a0ditawarkan\u00a0oleh\u00a0penjual\u00a0pada\u00a0tingkat\u00a0harga\u00a0dan\u00a0waktu\u00a0tertentu.\u00a0Dalam\u00a0hal\u00a0ini,\u00a0jasa\u00a0yang\u00a0ditawarkan\u00a0bank\u00a0Syariah\u00a0kepada\u00a0nasabah\u00a0menurun\u00a0dikarenakan\u00a0kurangnya\u00a0sumber\u00a0daya\u00a0manusia. Bank\u00a0Syariah\u00a0memerlukan\u00a0sumber\u00a0daya\u00a0yang\u00a0berkompeten\u00a0dan\u00a0mumpuni\u00a0dalam\u00a0bidang\u00a0Syariah.\u00a0Tentunya, bank\u00a0Syariah\u00a0memerlukan\u00a0orang-orang yang\u00a0dilatih,\u00a0diajarkan,\u00a0mengerti,\u00a0dan\u00a0mendalami\u00a0bidang-bidang\u00a0yang\u00a0berkaitan\u00a0dengan\u00a0pelaksanaan\u00a0operasional\u00a0bank.\u00a0Namun,\u00a0tidak\u00a0banyak\u00a0sumber\u00a0daya\u00a0manusia\u00a0yang\u00a0lulus\u00a0dari\u00a0perguruan\u00a0tinggi\u00a0Syariah\u00a0dan\u00a0terjun\u00a0dalam\u00a0bidang\u00a0pendidikan\u00a0Syariah.\u00a0\u00a0Sehingga, bank\u00a0Syariah\u00a0mengalami\u00a0kesulitan\u00a0dalam\u00a0perekrutan\u00a0karyawan\u00a0untuk\u00a0bekerja\u00a0di bank\u00a0Syariah\u00a0yang\u00a0bertugas\u00a0untuk\u00a0menyediakan\u00a0jasa\u00a0layanan\u00a0bagi\u00a0nasabah.\u00a0\u00a0 Dengan\u00a0adanya\u00a0hal-hal\u00a0yang\u00a0mempengaruhi\u00a0penawaran\u00a0dan\u00a0permintaan\u00a0produk\u00a0dan\u00a0jasa\u00a0yang\u00a0disediakan\u00a0bank\u00a0Syariah, bank\u00a0Syariah\u00a0memberikan\u00a0solusi\u00a0untuk\u00a0menyelesaikan\u00a0masalah\u00a0yang\u00a0ada\u00a0dan\u00a0memberikan\u00a0berbagai\u00a0alternatif\u00a0untuk\u00a0meningkatkan\u00a0produk\u00a0dan\u00a0layanan\u00a0bank\u00a0Syariah.\u00a0Bank\u00a0Syariah\u00a0akan\u00a0meningkatkan\u00a0layanan\u00a0berbasis\u00a0teknologi\u00a0untuk\u00a0kenyamanan\u00a0nasabah.\u00a0Istilah-istilah\u00a0dalam\u00a0bahasa\u00a0Arab\u00a0disertai\u00a0bahasa\u00a0Nasional\u00a0agar\u00a0lebih\u00a0dimengerti\u00a0oleh\u00a0nasabah\u00a0dari\u00a0berbagai\u00a0kalangan.\u00a0Untuk\u00a0mengatasi\u00a0masalah\u00a0sumber\u00a0daya\u00a0manusia,\u00a0sebaiknya\u00a0bank\u00a0Syariah\u00a0memiliki\u00a0program\u00a0pendidikan\u00a0khusus\u00a0untuk\u00a0menyediakan\u00a0sumber\u00a0daya\u00a0manusia\u00a0yang\u00a0mengarah\u00a0pada\u00a0pelaksanaan\u00a0operasional\u00a0bank\u00a0Syariah.\u00a0Sehingga, bank\u00a0Syariah\u00a0dapat\u00a0menjalankan\u00a0operasioanal\u00a0dengan\u00a0efektif\u00a0dan\u00a0efisien\u00a0untuk\u00a0meningkatkan\u00a0layanan\u00a0bank\u00a0Syariah\u00a0kepada\u00a0masyarakat.\u00a0 Penulis: Ruth\u00a0Dwi\u00a0Yuliani (2301937772); Sharon\u00a0Josephin\u00a0E.J.P (2301937904); Yolanda Angie\u00a0Puspita (2301937910) \u00a0<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2,50],"tags":[57,55,54],"class_list":["post-1930","post","type-post","status-publish","format-standard","hentry","category-article","category-economy","tag-bank-syariah","tag-demand","tag-supply"],"_links":{"self":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1930","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/comments?post=1930"}],"version-history":[{"count":1,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1930\/revisions"}],"predecessor-version":[{"id":1931,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/posts\/1930\/revisions\/1931"}],"wp:attachment":[{"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/media?parent=1930"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/categories?post=1930"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bbs.binus.ac.id\/management\/wp-json\/wp\/v2\/tags?post=1930"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}