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All Journal International Journal of Financial, Accounting, and Management AHKAM : Jurnal Hukum Islam dan Humaniora Bharasumba Jurnal Multidispliner
PUSPITA, DARA
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The effect of the amount of murabaha financing, mentoring and length of business on increasing income Puspita, Dara; Imsar, Imsar; Harahap, Muhammad Ikhsan
International Journal of Financial, Accounting, and Management Vol. 6 No. 2 (2024): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i2.2401

Abstract

Purpose: This study aims to examine how Murabahah financing, mentoring programs, and the length of business operation affect the income growth of MSMEs at Bank Sumut KCPSy Multatuli. Methods: The study was conducted at Bank Sumut KCPSy Multatuli and focused on 60 MSME clients. A quantitative approach was used, with data collected through questionnaires. The data analysis was performed using multiple linear regression, processed with SPSS version 25. Results: The research found that the income growth of MSMEs is significantly influenced by Murabahah financing, mentoring programs, and the duration of business operation. These factors together account for 80.7% of the increase in income, while the remaining 20.3% is influenced by other variables not covered in the study. Limitations: The study is limited by its focus on only three factors and its reliance on data from one location, Bank Sumut KCPSy Multatuli, which may not fully capture other variables influencing MSME income growth. Contribution: This study contributes to the understanding of factors driving income growth for MSMEs, particularly in the context of Islamic financing (Murabahah), mentorship, and business longevity. It is useful for policymakers, financial institutions, and researchers in the field of MSME development and Islamic finance. Novelty: The novelty of this research lies in its focus on combining Murabahah financing, mentoring, and business duration as key determinants of income growth for MSMEs in the Indonesian context, which has not been thoroughly explored before.
Tanggung Jawab Hukum Jasa Ekspedisi atas Kerugian Konsumen (Studi Kasus di PT Antar Jasa Indonesia) Puspita, Dara; Kartika, Fani Budi
AHKAM Vol 4 No 4 (2025): DESEMBER
Publisher : Lembaga Yasin AlSys

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58578/ahkam.v4i4.7525

Abstract

This study is motivated by the ongoing weakness in the implementation of legal responsibility by expedition service providers for consumer losses in the form of lost or damaged goods, despite the existence of consumer protection regulations. The research focuses on the prevailing legal framework, the form of legal responsibility held by PT. Antar Jasa Indonesia as a business operator, and the effectiveness of dispute resolution mechanisms available to consumers. The objective is to provide a comprehensive analysis of the legal basis governing the liability of expedition service providers, the practical implementation of such liability, and the obstacles that hinder effective consumer protection. The methodology employed combines normative and empirical juridical approaches, utilizing statutory, conceptual, and sociological perspectives. Normative analysis was conducted on Law Number 8 of 1999 on Consumer Protection and the Indonesian Civil Code, while empirical analysis involved a case study of claim handling and dispute resolution practices at PT. Antar Jasa Indonesia. The findings reveal that, normatively, business operators are obliged to compensate consumers for losses; however, in practice, the implementation of this responsibility remains suboptimal. Contributing factors include a lack of legal awareness among consumers, weak regulatory oversight, and claim procedures that are insufficiently transparent and inefficient. The study concludes that the legal responsibility of PT. Antar Jasa Indonesia has not yet fully ensured maximum protection for consumers. The implications highlight the need to strengthen consumer complaint systems, enhance corporate transparency and accountability, and harmonize operational standards with consumer protection principles to ensure legal certainty and fairness for all parties.
The effect of the amount of murabaha financing, mentoring and length of business on increasing income Puspita, Dara; Imsar, Imsar; Harahap, Muhammad Ikhsan
International Journal of Financial, Accounting, and Management Vol. 6 No. 2 (2024): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/ijfam.v6i2.2401

Abstract

Purpose: This study aims to examine how Murabahah financing, mentoring programs, and the length of business operation affect the income growth of MSMEs at Bank Sumut KCPSy Multatuli. Methods: The study was conducted at Bank Sumut KCPSy Multatuli and focused on 60 MSME clients. A quantitative approach was used, with data collected through questionnaires. The data analysis was performed using multiple linear regression, processed with SPSS version 25. Results: The research found that the income growth of MSMEs is significantly influenced by Murabahah financing, mentoring programs, and the duration of business operation. These factors together account for 80.7% of the increase in income, while the remaining 20.3% is influenced by other variables not covered in the study. Limitations: The study is limited by its focus on only three factors and its reliance on data from one location, Bank Sumut KCPSy Multatuli, which may not fully capture other variables influencing MSME income growth. Contribution: This study contributes to the understanding of factors driving income growth for MSMEs, particularly in the context of Islamic financing (Murabahah), mentorship, and business longevity. It is useful for policymakers, financial institutions, and researchers in the field of MSME development and Islamic finance. Novelty: The novelty of this research lies in its focus on combining Murabahah financing, mentoring, and business duration as key determinants of income growth for MSMEs in the Indonesian context, which has not been thoroughly explored before.
PERALIHAN HAK ATAS TANAH MELALUI PERJANJIAN PENGIKATAN JUAL BELI (PPJB): BATAS PERLINDUNGAN PEMBELI BERITIKAD BAIK Lukman Hakim, Ardhian; Puspita, Dara
Jurnal Multidisipliner Bharasumba Vol 5 No 01 (2026): BHARASUMBA: Jurnal Multidisipliner
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/bharasumba.v5i01.2077

Abstract

This study clarifies the legal status of the Preliminary Sale and Purchase Agreement (PPJB) within Indonesia’s land transfer framework and delineates the limits of legal protection for good-faith purchasers at the pre-levering stage. The central issue lies in the tension between PPJB’s obligational nature and the publicity principle of land registration, particularly when confronted with third parties who have lawfully acquired a Deed of Sale and Purchase (AJB) and registered their rights. Employing a normative legal method, this research applies a statute approach (UUPA, Government Regulation 24/1997 as amended by 18/2021, Condominium Law, and relevant PUPR regulations), a conceptual approach (subjective–objective good faith, pacta sunt servanda, publicity), and a case approach (judicial tendencies). The findings demonstrate that PPJB creates only a personal claim and does not transfer real rights prior to AJB execution and registration. The “good-faith purchaser” status requires measurable, documented, and provable due diligence. Priority attaches to registered rights held by good-faith third parties, rendering PPJB purchasers’ protection primarily remedial. This study proposes an operational Good-Faith Test Matrix (Minimum Due Diligence) to support objective assessment and dispute prevention.
Co-Authors Harahap, Muhammad Ikhsan Imsar, Imsar Kartika, Fani Budi Lukman Hakim, Ardhian