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All Journal Biota: Jurnal Ilmiah Ilmu-Ilmu Hayati El Dinar Journal of Economics, Business, & Accountancy Ventura Jurnal SEPA (Social Economic and Agribusiness Journal) Khatulistiwa: Journal of Islamic Studies EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Emphaty Cons : Journal of Guidance and Counseling el-Buhuth: Borneo Journal of Islamic Studies Al-Tijary : Jurnal Ekonomi dan Bisnis Islam EKONOMIKA SYARIAH : Journal of Economic Studies SETARA: Jurnal Studi Gender dan Anak Borneo Islamic Finance and Economics Journal (BIFEJ) Krigan: Journal of Management and Sharia Business Jurnal Komplikasi Anestesi Jurnal Ekonomi, Manajemen, Akuntansi Journal on Islamic Economics, Finance, and Banking (Z-CONOMICS)
Yuliani, Irma
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Journal : el-Buhuth: Borneo Journal of Islamic Studies

 1 
Strategi dan Implementasi Pembiayaan Kepemilikan Rumah dengan Akad Murabahah pada Bank Syariah Mandiri Cabang Samarinda Yuliani, Irma
el Buhuth: Borneo Journal of Islamic Studies el Buhuth: Borneo Journal of Islamic Studies, 2(1), 2019
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (Center for Research and Community Services), Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (387.135 KB) | DOI: 10.21093/el-buhuth.v2i1.1801

Abstract

The research is motivated by increasing population and demand community to meet housing needs. Related to this, how is the Bank's Strategy Syariah Mandiri Samarinda Branch as one of the banks that has an important role as Intermediary institutions, to realize the desire of customers to have decent housing through its products are Griya BSM and How to Implement Home Ownership financing with The Murabahah Agreement is in the context of achieving company goals amid the bank’s world competition increasingly sharp. This type of research is field research, which is a study carried out systematically by lifting data in the field. The purpose of this research is to find out the Strategy and Implementation of Home Ownership Financing With Murabahah Agreement at Bank Syariah Mandiri Samarinda Branch. The nature of the research this is Descriptive Qualitative. The research uses observation, interview and documentation techniques with management resource persons / related bank parties.The research uses Analysis of Miles And Hubberman. The results of the research, it was found that BSM determined the segmentation of BSM Griya products based on demographic segmentation which is based on income level and employment level. Determination of market targeting on BSM Griya products, through two categories, namely permanent employees such as civil servants and professional jobs such as doctors or equivalent. Positioning Griya BSM products in the minds of consumers is the Sharia brand itself, flat installments, speed and accuracy of the process, and fewer costs incurred by customers than conventional home financing. The results of the research indicate that the strategies carried out by the Mandiri Branch Syariah Bank Samarinda is determining Segmentation, namely dividing customers based on income level and job, Positioning that is offering superior products that have unique and sharia values, and Targeting is aiming at fixed income customers by cooperating with agencies and doing individual prospects. In order for the strategy to be achieved, the marketing mix is carried out includes 4 P namely Product, Price, Place, and Promotion which done by displaying the uniqueness of the product, affordable prices with flat installments and low margin compared to other banks, convenient service locations, and promotional uses reference of friends of BSM, advertisements, brochures, social media, sticking to running advertisements as well as collaborate and presentations to government and private agencies and individuals. Implementation of home ownership financing is carried out through 4 stages namely : submission of application, inspection and analysis, signing of agreement and disbursement. Procedure stages based on 5 C (Character, Capital, Capability, Collateral, and Condition of Economy) with the most disbursement time 1 week long and using a Murabahah contract with flat / fixed installments, Fixed an 11% margin,mild down payment, and free final.
Analisis Distribusi Pendapatan serta Kesejahteraan Ekonomi Menurut Persfektif Ekonomi Islam di Kampung Nelayan Manggar Baru Balikpapan Propinsi Kalimantan Timur Komariah, Kokom; Yuliani, Irma
el Buhuth: Borneo Journal of Islamic Studies el Buhuth: Borneo Journal of Islamic Studies, 6(1), 2023
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (Center for Research and Community Services), Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/el-buhuth.v6i1.7490

Abstract

Penelitian ini dilakukan pada bulai April – Juni 2023. Tujuan penelitian ini untuk mengetahui besarnya pendapatan keluarga para nelayan di Kampung Nelayan Manggar baru Balikpapan propinsi Kalimantan Timur, mengetahui pola distribusi pendapatan diantara keluarga para nelayan di Kampung Nelayan Manggar Baru, dan untuk mengetahui Tingkat kesejahteraan Ekonomi menurut Persfektif Ekonomi Islam diantara para keluarga nelayan dikampung Nelayan Manggar Baru Balikpapan Propinsi Kalimantan Timur. Data Metode yang digunakan dalam penelitian ini ialah memakai tekhnik analisis regresi linier berganda. Analisis ini berguna menguji adanya pengaruh antara variabel independena dengan variabel dependen dan menggunakan program computer (software) SPSS versi 23. Sampel diambil denagn Metode Simple Random melalui Observasi dan wawancara langsung dengan responden dan menggunakan Kuisioner. Distribusi pendapatan dianalisis denagn Rasio Konsentrasi Gini dan Kurva Lorenz. Tingkat kesejahteraan di ukur dengan cara membandingkan pendapatan per kapita dengan standar garis kemiskinan. Hasil Penelitian menunjukkan Pendidikan secara parsial berpengaruh signifikan terhadap kesejahteraan menurut presfektif ekonomi Islam di Kampung Nelayan Manggar Baru Balikappan Provinsi Kalimantan Timur dapat diketahui thitung sebesar 6,734> ttabel 1,98498 dengan signifikan sebesar 0,000< 0,05. 0,994 > 0,05. Kesejahteraan secara parsial berpengaruh signifikan terhadap kesejahteraan Pendapatan secara parsial tidak berpengaruh signifikan terhadap kesejahteraan menurut presfektif ekonomi Islam di Kampung Kampung Nelayan Manggar Baru Balikappan Provinsi Kalimantan Timur, dapat diketahui diketahui thitung sebesar 0,007 < ttabel 1,98498 dengan signifikan sebesar menurut presfektif ekonomi Islam di kampung Nelayan Manggar Baru Balikappan Provinsi Kalimantan >Ftabel.2,70. Pendapatan Keluarga dan pendapatan per kapita tersebut jika disetarakan dengan Timur, dapat diketahui thitung sebesar 2,132 > ttabel 1,98498 dengan signifikan sebesar 0,036 < 0,05. Pendidikan, Pendapatan dan Kesejahteraan secara simultan berpengaruh signifikan terhadap kesejahteraan menurut presfektif ekonomi Islam di kampung Nelayan Manggar Baru Balikappan Provinsi Kalimantan Timur, hasil dari nilai signifikansi 0,000 < 0,05 dan Fhitung 24,286. Pendapatan Keluarga dan pendapatan per kapita tersebut jika disetarakan dengan harga beras (harga beras Rp 13.800,00 per kilo gram). Didapatkan Rp 228.263 kilo gram beras untuk pendapatan keluarga dan 2.283,63 kilo gram untuk pendapatan per kapita. Pernyataan dengan beras ini diperlukan untuk membandingkan pendapatan per kapita. Distribus pendapatan keluarga nelayan di Kampung Manggar baru Balikpapan cukup merata ketimpangan tinggi Hasil Perhitungan menjukkan nilai GCR – 88,38 yang berarti pendapatan diantara di Kampung Nelayan Manggar Baru Balikpapan Kaltim cukup merata ketimpangan tinggi atau besar. Dan dengan demikian bahwa para nelayan di Kampung Nelayan Manggar Baru termasuk kedalam dibawah standar kemiskinan atau tidak sejahtera.
Co-Authors Ahmad Syarif Akhmad Yun Jufan Angelita, Sarah Arum, Kanthi Calcarina Fitriani Retno Wisudarti Darmawati Darmawati Elfi Rimayati Faisal, Agus Isnatin Ulfah Jannah, Khoirotul Fatati Munirotul Khoirotul Fatati Munirotul Jannah Kokom Komariah Mahrus, Moh Moh. Mahrus Muhammad Amin Parno Parno Rina Hidayati Pratiwi Savitrah, Ravika Mutiara Sri Sayekti Sulastri, Nur Wahid, Ahmad Nur Yulistiana Zamzambela, Sholahuddin