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All Journal LA RIBA: Jurnal Perbankan Syariah Al-Iqtishad
Darsi Ahmadan
Institut Agama Islam Al-Qur???an Al-Ittifaqiah Indralaya

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PERSEPSI MASYARAKAT TERHADAP BSI (BANK SYARIAH INDONESIA) CABANG INDRALAYA (STUDI PADA MASYARAKAT DESA INDRALAYA KECAMATAN INDRALAYA KABUPATEN OGAN ILIR) Silawati; Hidayani; Darsi Ahmadan
LA RIBA: Jurnal Perbankan Syariah Vol. 5 No. 2 (2024): Juni 2024
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v6i1.657

Abstract

This thesis aims to discuss some of the public's responses or views regarding BSI Syariah Indralaya Branch. In collecting data in the community, researchers chose Indralaya Mulya Village, Indralaya District, Ogan Ilir Regency as the place for research. The results of this research conclude that the presence of Bank Syariah Indonesia (BSI Syariah Indralaya branch) has an important meaning in developing society from an economic aspect to implement Islamic law. The public in various perceptions stated that Sharia Banks must maximize the socialization process in overcoming the lack of public understanding of Sharia Banks. Apart from that, we can also find out the causes of the public's tendency towards conventional banks and the underlying reasons why people do not choose Sharia Banks. Therefore, the presence of BSI Syariah Indralaya Branch is believed to have increased the tight competition in the world of banking, accompanied by the hope of creating new breakthroughs in in order to improve the standard of living of the community while also providing choices for the community regarding views and beliefs regarding bank interest which according to some Ulama is included in the practice of usury which is not in accordance with Islamic Sharia. The method used is a qualitative research method which seeks to describe the phenomena that occur when conducting research on public perceptions of BSI Syariah Indralaya branch. For this reason the author carries out data collection through observation, interviews, documentation, or direct data collection by hand to collect it. data or documents that can provide an overview of locations and objects.
ANALISIS KESESUAIAN AKAD WADIAH YAD AL AMANAH PADA KOPERASI SIMPAN PINJAM DAN PEMBIAYAAN SYARIAH BMT AL ITTIFAQIAH INDRALAYA Darsi Ahmadan; Sufi Yanti; Hidayani; Hairunnisa
LA RIBA: Jurnal Perbankan Syariah Vol. 5 No. 2 (2024): Juni 2024
Publisher : Program Studi Perbankan Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/lariba.v6i1.791

Abstract

The results of this research can generally be concluded that the research that the author presents with these relevant data, after being processed andanalyzed, there are several important points relating to the implementation of wadiah contracts on deposits at BMT Al ittifaqiah, Indralaya, so the author concludes as follows: Savings products at BMT Al ittifaqiah use the wadi'ah contract, in this case the wadi'ah contract used is the wadi'ah yad amanah contract. This research aims to determine the implementation of the wadiah contract at BMT Al-ittifaqiah, the suitability of financing the wadiah contract at BMT Alittifaqiah. The type of research carried out in this research is field research, while the type of data is qualitative data. Qualitative data is data that shows the quality or qualities of something that exists, whether circumstances, processes, events or occurrences and others which are expressed in the form of statements or in the form of words
ANALISIS PEMBIAYAAN DALAM MENINGKATKAN KESEJAHTERAAN NASABAH PADA PNM MEKAAR SYARIAH CABANG GELUMBANG KABUPATEN MUARA ENIM Ariska Mufaridhoh; Itsnaini Chusnul Khotimah; Darsi Ahmadan
Al-Iqtishad: Jurnal Ekonomi Syariah Vol. 5 No. 02 (2024): Januari-Juni 2024
Publisher : Program Studi Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53649/al-iqtishad.v5i02.806

Abstract

This research was conducted to determine the financing in improving customer welfare at PNM Mekaar Syariah Gelumbang Branch Muara Enim Regency. The purpose of this research is to understand the effectiveness of financing in helping customers improve their welfare at PNM Mekaar Syariah Gelumbang Branch Muara Enim Regency. This research uses a qualitative approach that is a type of field research or field research, because the information obtained and collected through direct observation in the field and through literature review. The types of data used in this study are primary data and secondary data, while the data sources in this study were obtained from direct observation and interviews with customers. Data analysis techniques are done by data reduction, data presentation and making conclusions. The results of this study indicate that customer income increased after taking financing at PNM Mekaar Syariah Gelumbang Branch, because PNM provides various services that help customers develop their businesses. The expenses of customers who take financing at PNM have been fulfilled, including food and non-food expensess. Financing from PNM Mekaar Syariah Gelumbang Branch has not been able to fully improve the level of family education, because one customer has not met the educational needs of one of her children.The customer???s family health level has been fulfilled through financing at PNM Mekaar Syariah Gelumbang Branch, this can be seen from a healthy lifestyle, regular chek-ups and buying health products. PNM has also improved the welfare of financing customers in housing conditions and facilities owned in the household, this is supported by the results of interviews with financing customers.
Co-Authors Ariska Mufaridhoh Hairunnisa Hidayani Itsnaini Chusnul Khotimah Silawati Sufi Yanti