Penilaian Kualitas dan Risiko Pembiayaan Bank Syari'ah

The quality of productive assets plays a significant role in the success of Islamic banking, not just a mere function. Islamic banks consistently measure their performance by referring to the standard of productive asset quality as a benchmark. The prosperity of an Islamic bank's business substantially depends on its ability to manage investments by adhering to two main principles: the prudence principle and the Sharia principle. The aim of this research is to conduct a comprehensive evaluation of the quality and risks in Islamic bank financing. To face the complexity and dynamics of the Islamic banking world, a qualitative approach was used. The research method is based on the post-positivism philosophical foundation, which views social reality as a whole, dynamic, complex, meaningful, and colored by interactive relationships.

الاعجاز البیانی فی ضوء النصوص القرآنیة

There is no doubt that the Holy Qur'an is a great blessing from Almighty Allah. If this had been the only blessing bestowed on this final Ummah, we would still have surpassed all previous ummahs in blessings. This book is the epitome of sweetness. Its beauty stretches from the tongue of the .2 gam and can be felt in the very depths of the heart of the listener. One can not tire of reading it, nor of listening to it; the more one delves into it, the richer its treasures reveal themselves to be. This book appeals equally to a scholar and a layperson at the same time, and guides them both. It has the power to awaken nations from ignorant slumber, and to show them the path to success. One aspect of this brilliance is the fact that not only does it encompass vast treasures of wisdom and knowledge, but it is also a literary and linguistic miracle. This latter point is expounded further in this present research work. The direct and implied meaning of the text of the Holy Book is indeed beautiful. The very vocabulary and its mesmerizing usage are so apt and balanced that there can be absolutely no comparison. Revealed at the time when Arabia was at the pinnacle of linguistic excellence, nothing could face up to its splendor, attempts by the disbelievers who put together all their resources to this futile end notwithstanding. This was one reason why the opponents of this message, having completely failed this way, resorted to violence and warfare. If they could have countered the linguistic beauty of the Holy Qur'an, the world would not have seen the battles of Badr, Uhud and Khandaq. To illustrate this linguistic miracle of the Holy Qur'an, a few styles have been selected from its vast treasures of Ilm-ul-Bayan. These include, but are not limited to, the vocabulary, the usage of similes and metaphor etc. that challenge human ability and leave it pale in comparison. The Holy Qur'an chooses different styles beautifully based on specific contexts, catering beautifully to the addressee and the message. Where the circumstance calls for simplicity, the Holy Qur'an employs a simple yet brilliant style, and where the need is for eloquence, it engages a sparkling dignity. Thus it is a direct and correct conclusion that the Holy Qur'an's linguistic approach is a string of gems that embodies many different styles; each gem is magnificent on its own, and at the same time, the majesty of the string is revealed even more fully when considered as a whole. A miracle of the Holy Qur'an is that it showcases divine brilliance in a way that is comprehendible by efforts of human knowledge and imagination without compromising its full magnificence. This becomes evident in another way also. It is interesting to note that the best amongst human literature now employs the same vocabulary and similar linguistic techniques, and yet the distinction between the products of the human mind and this divine book has not been bridged at all. 1. Arabic, for the larger Islamic concept of 'nation' that surpasses all geographic boundaries. 2. Arabic, for one who recites. 3. The three battles from the early age of Islam. Holy Qur'an stands to this day, and shall continue to do so for all time, with all its glory as a shining testament to the boundary less divine wisdom and magnificence, for which even the entire creative prowess in the world around us is no match. This research has engaged several noted exegesis of the Holy Qur'an to identify, understand and classify a part of the linguistic magnificence of this divine book. The Glorious Qur'an's eloquent stylizations embody infinite beauty, and showcase the miracle of the brilliance of the divine wisdom. It presents a spectacular combination of eloquence that radiates beauty, and comprehensive conciseness. These are just two of the miracles that form the Holy Qur'an. The characteristics outlined in these preceding lines, and subsequently in this research show the outline of a magnificent picture, and yet this only be labeled as being hardly a drop in the ocean in comparison to the full glory of the Holy Book. I pray to Almighty Allah to accept my endeavor to showcase some of this grandeur in this research, and to make it beneficial for me, and the whole Muslim Ummah.