STRATEGI PEMASARAN KARTU PEMBIAYAAN IB HASANAH

PADA PERBANKAN SYARIAH DI INDONESIA

Komprehensif
Diajukan kepada Sekolah Pascasarjana UIN Syarif Hidayatullah Jakarta
Sebagai Salah Satu Syarat untuk Memperoleh Gelar Magister

Oleh:

Mutiara Yasmi Sumantri

21151200000022

Pembimbing :
Dr. Euis Amalia, M.Ag

PROGRAM STUDI MAGISTER PENGKAJIAN ISLAM

KONSENTRASI EKONOMI ISLAM
SEKOLAH PASCASARJANA

1
 UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA
1440 H / 2019 M

DAFTAR ISI

TEMA UJIAN KOMPREHENSIF

I. ASPEK PEMIKIRAN
A. Tinjauan Teoritis Pemasaran
B. Konsep Pemasaran Perspektif Islam
C. Strategi Pemasaran Kartu Pembiayaan Syariah

II. ASPEK SEJARAH

A. Kartu Kredit dan Kartu Pembiayaan Syariah
B. Perkembangan Kartu Pembiayaan Syariah
C. Perkembangan Pemasaran Kartu Pembiayaan Syariah

III. ASPEK KELEMBAGAAN

A. Kartu Pembiayaan pada Perbankan Syariah
B. Regulasi BI VS Regulasi OJK

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 Tema Ujian Komprehensif

I. Aspek Pemikiran
A. Tinjauan Teoritis Pemasaran

1. Ahmed, Selim & Rahman, Habibur Md. The Effect of Marketing Mix on
Consumer Satisfaction: A Literature Review From Islamic Perspectives.
Turkish Journal of Islamic Economics, Vol.2, No. 1, Februari, pp17-30,
2015.
2. Abdullah, Ma.ruf. Manajemen berbasis syariah, Yogyakarta: Aswaja
Pressindo, 2012.
3. Bailey, Jessica M. dan James Sood. “The Effect Of Religious On
Consumer Behavior: A Preliminary Investigation.” Journal of Managerial
Issues, Vol. V No. 3. 1993.
4. Cui, Geng. “Marketing Strategies in a Multi-Ethnic Environment”. Journal
of Marketing Theory dan and Practice vol. 5, 1997.
5. Constantinides. E. “The 4Ps Web Marketing Mix Model.” Electronic
Commerce Research an Aplications 1, no. 1 (2002)
6. Hery. Analisis Kinerja Manajemen. Jakarta: Grasindo, 2015.
7. Ikatan Bankir Indonesia. Strategi Bisnis Bank Syariah. Jakarta: Gramedia,
2015.
8. Kartajaya, Hermawan dan Muhammmad Syakir Sula. Shariah Marketing.
Bandung: Mizan, 2006.
9. Noel, Hayden. Basics Marketing 01, Consumer Behavior. Lausanne: AVA
Publishing SA. 2009.
10. Putranto, Samtim Eko. “Studi Mengenai Orientasi Strategi dan Kinerja
Pemasaran”. Jurnal sains Pemasaran Indonesia vol. 2, no. 1, 2003.
11. Same, Siiri dan Jorma Larimo. “Marketing Theory: Experience Marketing
dan Experiental Marketing.” 7th International Scientific Coference “Business
and Management 2012” May 10-11, Vilnus, Lithunia. 2012.
12. Siamat, Dahlan, Lembaga Manajemen Keuangan, Edisi III, FE-UI, Jakarta,
2001.
13. Sondang P. Siagian. Manajemen Strategik. Jakarta: Bumi Aksara, 1995.
14. Suyatno, Muhammad. Marketing Strategi Top Brand Indonesia, Universitas
AMIKOM. Yogyakarta: CV Andi Offset, 2007.
15. Tjiptono, Fandy. Brand Management and Strategi. Yogyakarta: Andi, 2005.

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16. Zineldin, M. “Bank Strategic Positioning and some Determinants of Bank
Selection.” International Journal of Bank Marketing 14, no. 6, 1996.

B. Konsep Pemasaran Perspektif Islam

1. Arham, Muhammad. “ Islamic Perspective on Marketing”, Journal of

Islamic Marketing, vol. 1, no.2 , 2010.
2. Bakrie, Adzan Noor. Pemasaran Berbasis Spiritual: Studi Tentang Prediktor
Determinan Sustainbilitas Bank Syariah. Jakarta: Pascasarjana UIN Syarif
Hidayatullah, 2015.
3. Chapra, Umer. Islam dan Tantangan Ekonomi (terj) Ikhwan Abidin Basri,
Islam and The Economic Challenge. Jakarta: Gema Insani Press, 2006.
4. Chaudry, Muhammad Sharif. Sistem Ekonomi Islam (terj) Suherman
Rosyidi. Jakarta; Kencana Prenada Media Group, 2012.
5. Dusuki, A. W. “Understanding the Objective of Islamic Banking: a Survey
of Stakeholders’ Perspektives”. International Journal of Islamic and Middle
Eastern Finance and Management 1, no. 2 (2008)
6. Gerrard, P. J. Dan Cunningham, B dan J. Barton Cunningham. “Islamic
Banking: A Study in Singapore.” International Journal of Bank Marketing 15,
no. 6 (1997)
7. Hino, Hayiel. “The Impact of Islam on Food Shopping and Consumption
Patterns of Muslim Household.” Handbook of Islamic Marketing.
Cheltenham: Edward Elgar Publishing Limited, 2009.
8. Kamarulzaman, Yusniza dan Azian Madun. “Marketing Islamic Banking
Products: Malaysian Perspectiv. “ Business Strategy Series vol. 14, 2013.
9. Marthon, Said Sa’ad. Ekonomi Islam di Tengah Krisis Ekonomi Global (terj)
Ahmad Ikhrom, Dimyauddin. Jakarta: Zikrul Hakim, 2007
10. Muhammed Nawaz and others. “The Professional Development of
Employees in Banks of Pakistan: A comparative study of public and private
banks in Punjab Pakistan,” International Journal of Learning &
Development Vol 3, no.5(2013),http://www.macrothink.org/journal.
11. Omar Clark Fisher. “Unveiling Islamic leasing,” The Journal of Equipment
Lease Financing; Arlington Vol 21, no. 1 Spring, 2003.
12. Saidi, T.A. “Relationship between Ethical and Islamic Banking System and
its Business Management Implication.” South African Journal of Business
and Management 40, no. 1 (2009)

4
13. Tournois, Laurent dan Isabelle Aoun. “From Traditional to Islamic Marketing
Strategies Conceptual Issues and Implication for an Exploratory Study in
Lebanon.” Education, Bussiness and Society: Contemporary Middle Eastern
Issues 5, no.2 (2012)
14. Yusanto, Muhammad Ismail, dkk. Menggapai Bisnis Islam. Jakarta : Gema
Insani Press, 2002.
15. Yuswohady, Dewi Madyani, Irvan Ali Herdiansyah, Ikhwan Alim.
Marketing to the Middle Class Muslim, Kenali Perubahannya, Pahami
Perilakunya, Petakan Strateginya. Jakarta: Gramedia, 2014.
16. Zakaria, Norhayati dan Asmat-Nizam Abdul –Thalib. “Applying Islamic
Market-oriented cultural model to sentitize strategies toward global
customer, competitor, and environment.” Journal of Islamic Marketing,
2010.

C. Pemasaran Kartu Pembiayaan Syariah

1. Al-Azhari & Manzoor, Ahmad. “Credit Cards in Islamic Legal Perspective,”

Journal of Islamic Banking & Finance Vol 30, no. 4, 2011.

2. Delyuzar Syamsi. Perlukah Kartu Kredit Disyariahkan? Republika, 15

Agustus 2005. (Akses Januari 20, 2017)

3. Firmanda, Hengki Syariah. “Card (Kartu Kredit Syariah) ditinjau dari Asas
Utilitas dan Maslahah”, Jurnal Ilmu Hukum. Vol IV No. 2 Feb-Juli. 2014
4. Indah Nuhyatia. “Kajian Fiqh dan Perkembangan Kartu Kredit Syariah
(Syariah Card) di Indonesia,” Jurnal Ekonomi dan Hukum Islam Vol 5, no. 1
(2015).

5. Imtiyazuddin Ahmad (ed). Islamic Banking and Finance The Concept, The
Practice and The Challenge, Plainfield: The Islamic Society of North
Amerika 1999.

6. Kurniawan, Rahmadianti, Kajian Kesyariahan Kartu Kredit Syariah: Teori

dan Realita studi pada Bank BNI Syariah Kota Malang, Tesis Universitas
Brawijaya , 2013.

7. Nuradli Ridzwan & Hanifah Abdul Hamid, Paper prepared for the first
National Conference on Islamic Finance (NCiF 2007) organized by the
Faculty of Business Management and Accountancy, Universitas Darul Iman
Malaysia 27– 28 November, 2007.

5
 8. Obrea O. Poindexter and Jeremy R. Mandell. “Credit Card Developments,”
Journal of The Business Lawyer Vol 71, no. 2 (Spring 2016), 683-688,
http://e-resources.perpusnas.go.id:2071/docview/1777244756?pq-
origsite=summon (Akses Maret 14, 2017).

9. Sulaiman, Abdul Wahab Ibrahim Abu. Banking Card Syariah Kartu Kredit
dan Debit dalam Perspektif Fiqih. Jakarta: PT. Raja Grafindo Persada, 2006.

10. Yusuf, Zainul Arifin. “Perbandingan Kartu Kredit dan Kartu Kredit
Berbasis Syariah”, Al-Iqthisad Jurnal Ekonomi Islam Vol.III, No. 2, Juli
2011

II. ASPEK SEJARAH

A. Kartu Kredit dan Kartu Pembiayaan Syariah.

1. Chaudry, Muhammad Sharif. Sistem Ekonomi Islam (terj) Suherman

Rosyidi. Jakarta; Kencana Prenada Media Group, 2012.
2. El-Din, Seif Ibrahim Tag. Maqasid Foundation of Market Economics
Edinburgh. Edinburgh University Press, 2013.
3. Fathoni, Muhammad Anwar. “Konsep Pemasaran dalam Perspektif
Hukum Islam”. Jurnal Hukum dan Syariah Universitas Pembangunan
Nasional (UPN) Vol.9.no.1, 2018.
4. Gerrard, P. J. Dan Cunningham, B dan J. Barton Cunningham. “Islamic
Banking: A Study in Singapore.” International Journal of Bank Marketing
15, no. 6 (1997)
5. Hino, Hayiel. “The Impact of Islam on Food Shopping and Consumption
Patterns of Muslim Household.” Handbook of Islamic Marketing.
Cheltenham: Edward Elgar Publishing Limited, 2009.
6. Ikatan Bankir Indonesia. Strategi Bisnis Bank Syariah. Jakarta: Gramedia,
2015.
7. Kartajaya, Hermawan dan Muhammmad Syakir Sula. Shariah Marketing.
Bandung: Mizan, 2006.
8. Kasmir. Analisis Laporan Keuangan. Jakarta: Rajawali Pers, cet. 9, 2016.
9. Khan, Fahim. “An alternative Approach to Analysis of Consumer
Behaviour : Need for Distinctive Islamic” Theory. Journal of Islamic
Business and management, Vol. 3 No.2, 2013.
10. Kotler, Philip dan Amstrong G. Prinsiple of Marketing. New Jersey. Pearson
Prentie-Hall, 14th ed, 2012.

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11. Kotler, Philip. Manajemen Pemasaran. Jakarta: Ikrar Mandiri Abadi, 1997.
12. Kotler, Philip, Hermawan Kertajaya dan Iwan Setiawan. Marketing 3.0.
Canada: John Wiley & Sons, Inc, 2010.
13. Kotler, Philip. Gary Armstrong, Dasar-dasar Pemasaran, Principles of
Marketing 7e (terj) Alexander Sindoro. Jakarta : Prenhallindo, 1997.
14. Kunaifi Aang. Manajemen Pemasaran Syariah Pendekatan Human Spirit:
Konsep, Etika, Strategi, dan Implementasi. Yogyakarta: Maghza Pustaka,
2016
15. Lukitaningsih, Ambar. “Iklam yang Efektif sebagai Strategi Komunikasi
Pemasaran.” Jurnal Ekonomi dan Kewirausahaan vol.13, 2013
16. Marshall, G, and M. Johnston. Marketing Management. London: McGraw-
Hill Higher Education, 2010.
17. Maliehe, M. “Strategic Marketing Planning for Radio Stations in Lesotho.”
Faculty of Economic and Management Sciences. Departemen of Business
Management University of the free state. 2007
18. Mansour, Walid, dkk. “Islamic Banking and Costumer’ Preference: the Case
of the UK.” Qualitative Research in Financial Markets 2, no. 3 (2010)
19. Mikail, Sa’id Adekuine, dkk. “Islamic Venture Capital in Malaysia:
Development, Constraints and Way Forward.” Journal of Excellence in
Islamic Banking & Finance 4, no. 1 (2014)
20. Muhammad, Manajemen Pembiayaan Bank Syariah. Yogyakarta: Unit
Penerbit dan Percetakan AMP YKPN, 2005.

B. Perkembangan Kartu Pembiayaan Syariah

1. Arham, Muhammad. “ Islamic Perspective on Marketing”, Journal of

Islamic Marketing, vol. 1, no.2 , 2010.
2. Ahmed, Selim & Rahman, Habibur Md. The Effect of Marketing Mix on
Consumer Satisfaction: A Literature Review From Islamic Perspectives.
Turkish Journal of Islamic Economics, Vol.2, No. 1, Februari, pp17-30,
2015.
3. Abdullah, Ma.ruf. Manajemen berbasis syariah, Yogyakarta: Aswaja
Pressindo, 2012.
4. Bakrie, Adzan Noor. Pemasaran Berbasis Spiritual: Studi Tentang
Prediktor Determinan Sustainbilitas Bank Syariah. Jakarta: Pascasarjana
UIN Syarif Hidayatullah, 2015.
5. Bailey, Jessica M. dan James Sood. “The Effect Of Religious On
Consumer Behavior: A Preliminary Investigation.” Journal of Managerial
Issues, Vol. V No. 3. 1993.

7
6. Chapra, M. Umer. Masa Depan Ilmu Ekonomi Sebuah Tinjauan Islam
(terj) Ikhwan Abidin Basri. Jakarta: Gema Insani Press, 2001.
7. Chapra, Umer. Islam dan Tantangan Ekonomi (terj) Ikhwan Abidin Basri,
Islam and The Economic Challenge. Jakarta: Gema Insani Press, 2006.
8. Chaudry, Muhammad Sharif. Sistem Ekonomi Islam (terj) Suherman
Rosyidi. Jakarta; Kencana Prenada Media Group, 2012.
9. Constantinides. E. “The 4Ps Web Marketing Mix Model.” Electronic
Commerce Research an Aplications 1, no. 1 (2002)
10. Cui, Geng. “MarketingStrategies in a Multi-Ethnic Environment”. Journal
of Marketing Theory dan and Practice vol. 5, 1997.
11. Dusuki, A. W. “Understanding the Objective of Islamic Banking: a Survey
of Stakeholders’ Perspektives”. International Journal of Islamic and
Middle Eastern Finance and Management 1, no. 2 (2008)
12. El-Din, Seif Ibrahim Tag. Maqasid Foundation of Market Economics
Edinburgh. Edinburgh University Press, 2013.
13. Fathoni, Muhammad Anwar. “Konsep Pemasaran dalam Perspektif
Hukum Islam”. Jurnal Hukum dan Syariah Universitas Pembangunan
Nasional (UPN) Vol.9.no.1, 2018.
14. Gerrard, P. J. Dan Cunningham, B dan J. Barton Cunningham. “Islamic
Banking: A Study in Singapore.” International Journal of Bank Marketing
15, no. 6 (1997)
15. Hery. Analisis Kinerja Manajemen. Jakarta: Grasindo, 2015.
16. Hino, Hayiel. “The Impact of Islam on Food Shopping and Consumption
Patterns of Muslim Household.” Handbook of Islamic Marketing.
Cheltenham: Edward Elgar Publishing Limited, 2009.
17. Ikatan Bankir Indonesia. Strategi Bisnis Bank Syariah. Jakarta: Gramedia,
2015.
18. Kamarulzaman, Yusniza dan Azian Madun. “Marketing Islamic Banking
Products: Malaysian Perspectiv. “ Business Strategy Series vol. 14, 2013.
19. Kartajaya, Hermawan dan Muhammmad Syakir Sula. Shariah Marketing.
Bandung: Mizan, 2006.

C. Perkembangan Pemasaran Kartu Pembiayaan Syariah

1. Mohiuddin, Md Golam. “Behaving Ethically: An Essence of Islamic

Marketing System.” European Journal of Business and Management 4, no.
16 (2012)
2. Noor, Juliansyah. Analisis Data Penelitian Ekonomi dan Manajemen.
Jakarta: Grasindo, 2014.

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 3. Popovic, D. “Modelling the Marketig of High-Tech Start-Ups.” Journal of
Targeting , Measurement adan Anaysis for Marketing 14, no. 3 (2006)
4. Putranto, Samtim Eko. “Studi Mengenai Orientasi Strategi dan Kinerja
Pemasaran”. Jurnal sains Pemasaran Indonesia vol. 2, no. 1, 2003.
5. Rangkuti, Freddy. Riset Pemasaran. Jakarta: Gramedia Pustaka Utama, cet.
11, 2013.
6. Same, Siiri dan Jorma Larimo. “Marketing Theory: Experience Marketing
dan Experiental Marketing.” 7th International Scientific Coference “Business
and Management 2012” May 10-11, Vilnus, Lithunia. 2012.
7. Solihi, Muhammad. Hebatnya Marketing Muhammad. Yogyakarta: Solusi
dan Distribusi, 2010.
8. Sondang P. Siagian. Manajemen Strategik. Jakarta: Bumi Aksara, 1995.
9. Sinn, Ahmad Ibrahim Abu. Manajemen Syariah: Sebuah Kajian Historis
dan Kontemporer. Jakarta: PT. Raja Grafindo Persada, 2008.
10. Suyatno, Muhammad. Marketing Strategi Top Brand Indonesia, Universitas
AMIKOM. Yogyakarta: CV Andi Offset, 2007.
11. Tanjung Hendri dan Abrista Devi. Metodologi Penelitian Ekonomi Islam.
Jakarta: Gramata Publishing, 2013.
12. Temporal, Paul. “The Future of Islamic Branding and Marketing a
managerial Perspective.” dalam Handbook of Islamic Marketing.
Cheltenham : Edward Elgar Publishing Limited, 2011.
13. Tjiptono, Fandy. Brand Management and Strategi. Yogyakarta: Andi, 2005.
14. Tournois, Laurent dan Isabelle Aoun. “From Traditional to Islamic
Marketing Strategies Conceptual Issues and Implication for an Exploratory
Study in Lebanon.” Education, Bussiness and Society: Contemporary
Middle Eastern Issues 5, no.2 (2012)
15. Usman, Abdul Halim. Manajemen Strategis Syariah: Teori, Konsep &
Aplikasi. Jakarta: Zikrul Hakim, 2015.
16. Wilson, J. A. J. “Looking at at Islamic Marketing, vol. 3, no. 1, 2013. ”
17. Yusanto, Muhammad Ismail, dkk. Menggapai Bisnis Islam. Jakarta : Gema
Insani Press, 2002.
18. Yuswohady, Dewi Madyani, Irvan Ali Herdiansyah, Ikhwan Alim.
Marketing to the Middle Class Muslim, Kenali Perubahannya, Pahami
Perilakunya, Petakan Strateginya. Jakarta: Gramedia, 2014.

III. ASPEK KELEMBAGAAN

A. Kartu Pembiayaan pada Perbankan Syariah

1. Firmanda, Hengki Syariah. “Card (Kartu Kredit Syariah) ditinjau dari Asas
Utilitas dan Maslahah”, Jurnal Ilmu Hukum. Vol IV No. 2 Feb-Juli. 2014

9
2. Indah Nuhyatia. “Kajian Fiqh dan Perkembangan Kartu Kredit Syariah
(Syariah Card) di Indonesia,” Jurnal Ekonomi dan Hukum Islam Vol 5, no. 1
(2015).

3. Imtiyazuddin Ahmad (ed). Islamic Banking and Finance The Concept, The
Practice and The Challenge, Plainfield: The Islamic Society of North
Amerika 1999.

4. Kurniawan, Rahmadianti, Kajian Kesyariahan Kartu Kredit Syariah: Teori

dan Realita studi pada Bank BNI Syariah Kota Malang, Tesis Universitas
Brawijaya , 2013.

5. Nuradli Ridzwan & Hanifah Abdul Hamid, Paper prepared for the first
National Conference on Islamic Finance (NCiF 2007) organized by the
Faculty of Business Management and Accountancy, Universitas Darul Iman
Malaysia 27– 28 November, 2007.

6. Obrea O. Poindexter and Jeremy R. Mandell. “Credit Card Developments,”

Journal of The Business Lawyer Vol 71, no. 2 (Spring 2016), 683-688,
http://e-resources.perpusnas.go.id:2071/docview/1777244756?pq-
origsite=summon (Akses Maret 14, 2017).

7. Sulaiman, Abdul Wahab Ibrahim Abu. Banking Card Syariah Kartu Kredit
dan Debit dalam Perspektif Fiqih. Jakarta: PT. Raja Grafindo Persada, 2006.

8. Yusuf, Zainul Arifin. “Perbandingan Kartu Kredit dan Kartu Kredit

Berbasis Syariah”, Al-Iqthisad Jurnal Ekonomi Islam Vol.III, No. 2, Juli
2011

B. Regulasi BI VS Regulasi OJK

1. Ikatan Bankir Indonesia (IBI). Mengelola Bisnis Pembiayaan Bank

Syariah. Jakarta: Gramedia ,2005.

2. Ikatan Bankir Indonesia. Strategi Bisnis Bank Syariah. Jakarta: Gramedia,

2015.

3. Imtiyazuddin Ahmad (ed). Islamic Banking and Finance The Concept, The
Practice and The Challenge, Plainfield: The Islamic Society of North
Amerika 1999.

10
4. Marthon, Said Sa’ad. Ekonomi Islam di Tengah Krisis Ekonomi Global (terj)
Ahmad Ikhrom, Dimyauddin. Jakarta: Zikrul Hakim, 2007

5. Muhammed Nawaz and others. “The Professional Development of

Employees in Banks of Pakistan: A comparative study of public and private
banks in Punjab Pakistan,” International Journal of Learning &
Development Vol 3,
no.5(2013),http://www.macrothink.org/journal/index.php/ijld/article/viewFil
e/4520/3718 (Akses Maret 14, 2017).
6. Noel, Hayden. Basics Marketing 01, Consumer Behavior. Lausanne: AVA
Publishing SA. 2009.

7. Ngo, Sheiresa. Why You Need Professional Help Managing Your Money,”
Article of money and Career (Desember 7, 2015),
http://www.cheatsheet.com/mon ey-career/why-you-need-professional-
financial-advice.html/?a=viewall (Akses Maret 3, 2017).

8. Otoritas Jasa Keuangan (OJK), “Statistik Perbankan Syariah”, Desember

2015.

9. Omar Clark Fisher. “Unveiling Islamic leasing,” The Journal of Equipment

Lease Financing; Arlington Vol 21, no. 1 Spring, 2003.

10. Peraturan Bank Indonesia No. 8/21/PBI/2006 tentang Kualitas Aktiva Bank
Umum yang Melaksanakan Kegiatan Usaha Berdasarkan Prinsip Syariah
sebagaimana diubah dengan PBI No. 9/9/PBI/2007 dan PBI No.
10/24/PBI/2008.

11. Rivai Veithzal, Rifki Ismal. “Islamic Risk Management for Islamic Bank”.
Jakarta: PT. Gramedia, 2013.

12. Rating Credit Risk this guidance applies to federal savings associations in
addition to national Bank. May 17, 2012.

13. Saidi, T.A. “Relationship between Ethical and Islamic Banking System and
its Business Management Implication.” South African Journal of Business
and Management 40, no. 1 (2009)

14. Saeed, Abdullah. Islamic Banking and Interest : A Study of Prohibition of

Riba and Its Contemporary Interpretations, Leiden : EJ. Brill, 1996.

15. Siamat, Dahlan, Lembaga Manajemen Keuangan, Edisi III, FE-UI, Jakarta,
2001.

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16. Sjahdeini, Sutan Remy. Kebebasan Berkontrak dan Perlindungan yang
Seimbang bagi Para pihak dalam Perjanjian Kredit Bank di Indonesia,
Jakarta: Institut Bankir Indonesia, 1993.

17. Statistik Bank Syariah Bulan Mei 2010, www.bi.go.id. (diakses 17 Januari
2017)

18. Stela, Ali Khalifa and Barjoyai Bardai. The feasible acceptance of Al Qard
al-Hassan (Benevolent Loan) Mechanism in the Libyan Banking System,”
Journal of Economic and business, (2012)

19. Surat Edaran Bank Indonesia No. 8/22/DPbS tanggal 18 Oktober 2006
tentang Penilaian Aktiva Produktiv Bank Umum Yang Melaksanakan
Kegiatan Usaha Berdasarkan Prinsip Syariah sebagaimana diubah dengan
SEBI No. 10/36/DPbS tanggal 22 Oktober 2008.

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