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All Journal Tasyri` : Jurnal Tarbiyah-Syari`ah-Islamiyah Akademika Jurnal Ekonomi Syariah Journal of Industrial and Syariah Economics Journal of Community Engagement in Economics
Irawan, Agus Wahyu
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Religion Economics, Econometrics & Finance Education Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Akademika

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Quick Respond Indonesian Standart (QRIS) dalam Ber-Transaksi Secara Go Digital di UMKM Keripik Pisang UD. Muser Desa Pandanagung Kecamatan Soko Kabupaten Tuban Irawan, Agus Wahyu; Fitri, Nur Lailatul; Maeni, Popy Nur
Akademika Vol 17 No 2 (2023): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v17i2.1832

Abstract

In 2019, the banana chips business utilizing QRIS payment was solely owned by UD. Muser. On average, 77 customers per month engaged in transactions using QRIS, with fluctuations in numbers. The production facility is located 25 minutes away from Bojonegoro and 53 minutes from Tuban, far from major cities. The customers of Banana Chips UD Muser are sales representatives who personally pick up the products from the production site. Banana Chips UD Muser has successfully entered Minimarts around Parengan, Soko, and Bojonegoro. The embedded strategy model employed a mixed method design, utilizing both primary methods (quantitative or qualitative) and secondary methods (qualitative or quantitative) simultaneously. By combining both types of data, a comprehensive analysis was obtained. Based on the SPSS Coefficients output, the significance value (Sig) of the QRIS variable (X) is 0.000, where 0.000 < 0.05. Therefore, the hypothesis is accepted, indicating that QRIS is effective in public payment transactions. The t-test results show a t-value of 8.082 for the QRIS variable. Since the calculated t-value (8.082) is greater than the table t-value (2.005), it can be concluded that the hypothesis is accepted. QRIS is effective in digital payment transactions at UD. Muser. The effectiveness of QRIS usage is evident from the widespread adoption by buyers. Customers are satisfied with the QRIS method as it facilitates seamless digital transactions. Buyers find QRIS easy to use, requiring only a barcode scan specifying the purchase amount, making the transaction process straightforward and convenient.
IMBT (Ijarah Mumtahiya Bittamlik) as the main contract in mortgage (Home Ownership Credit) Wahyudhi, Imam; Irawan, Agus Wahyu; Khoir, Misbahul
Akademika Vol 18 No 1 (2024): Akademika
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/adk.v18i1.1981

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The non-compliance of the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract as the main contract in mortgages (Home Ownership Credit) with the DSN-MUI fatwa in its implementation procedures is a problem in the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract. In this study, the research method used is Library Research, where secondary data is obtained from data provided by data providers from several Islamic banks and offline data from several books. The results of this discussion show that according to DSN-MUI fatwa Number 27 (2002), Ijarah Mumtahiya Bit-Tamlik (IMBT) is a form of lease agreement for goods or services that includes an option to transfer ownership rights of the leased object to the lessee when the lease period ends. In general, in Islamic banks, in the mortgage financing scheme with the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract, the bank will purchase an asset and then lease-sell the asset to the customer. The implementation of the Ijarah Mumtahiya Bit-Tamlik (IMBT) contract must comply with DSN-MUI fatwa Number 27 (2002) concerning Ijarah Mumtahiya Bit-Tamlik (IMBT), which states that the transfer of ownership, either by sale or gift, is carried out after the ijarah period ends
Co-Authors Anisah, Zilfatun Anisah, Zulfatun Anisah, Zulfatun - Aprilisa, Anisa Fitri, Nur Lailatul Khoir, Misbahul Khumaimah, Rinatul Maeni, Popy Nur Novitasari, Nurul Sifa', Moh Agus Siti Fatimah Suyanto, Ahmad Syihabudin, A. Wahyudhi, Imam Wakhidah, Laila Murningsih Novrian