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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Jurnal Ekonomi Syariah
Muhamad Annas
Universitas KH. Mukhtar Syafaat Blokagung Banyuwangi
Economics, Econometrics & Finance

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PENGARUH ACCOUNT OFFICER DAN PROMOSI TERHADAP KEPUTUSAN MENGAMBIL PRODUK PEMBIAYAAN DI BMT UGT SIDOGIRI CAPEM PESANGGARAN KABUPATEN BANYUWANGI Hasan Abdillah Agung Ramadlony; Muhamad Annas
Jurnal Ekonomi Syariah Darussalam Vol. 6 No. 1 (2025): Februari 2025
Publisher : Universitas KH. Mukhtar Syafaat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v6i1.5190

Abstract

The purpose of this study was to determine whether there is an influence between the role of the account officer on the decision to take financing products in BMT UGT Sidogiri, a subsidiary of Pesanggaran. To find out whether there is an effect of promotion on the decision to take financing products in BMT UGT Sidogiri Pesanggaran subsidiary branch. This research method is quantitative, where data colletion uses observations, interviews, documentatin, and questionnaires. The sample of the study was 30 respondents who were members of financing products. Sample were taken using simple random sampling technique. The independent variable in this study are the account officer (X1) and promotion (X2) while the dependent variable is the decision to take financing product (Y). Data analysis used is multiple linier regression. The conclusion of this study is that partially there is a significant influence of the account officer on the decision to take financing products. There is a promotion influence on the decision to take financing products. And simultaneous account officers and promotions influence the decision to take financing product in BMT UGT Sidogiri, a subsidiary of Pesanggaran.
Akad Ijarah Dalam Pembiayaan Pegadaian Syariah: Analisis Terhadap Fatwa Dsn-Mui No. 25/DSN-MUI/III/2002 Muhamad Annas; Nurul Inayah
JPSDa: Jurnal Perbankan Syariah Darussalam Vol. 6 No. 1 (2026): Januari 2026
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jpsda.v6i1.4444

Abstract

This study examines the implementation of ijarah contracts in sharia pawn financing by referring to the provisions of DSN-MUI Fatwa No. 25/DSN-MUI/III/2002 on rahn. Normatively, the fatwa stipulates that ijarah fees for maintenance and storage of collateral may not be determined based on the amount of financing provided. However, in practice, sharia pawn institutions often apply ijarah tariffs that vary according to the size of the loan, raising questions regarding their compliance with sharia principles. This research employs a normative juridical method with statutory and conceptual approaches, using DSN-MUI fatwas and relevant legal literature as primary and secondary legal materials. The findings indicate that the determination of ijarah fees in sharia pawn financing is still linked to the amount of financing disbursed, rather than to the actual cost of storage and maintenance of the collateral. Consequently, such practices are not fully aligned with the normative provisions of sharia law as regulated by DSN-MUI. This study contributes to the development of sharia economic law by providing a normative evaluation of ijarah implementation in contemporary sharia pawn practices and offering a basis for regulatory and institutional improvements.
Co-Authors Hasan Abdillah Agung Ramadlony Nurul Inayah