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All Journal JKIE (Journal Knowledge Industrial Engineering) Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management
Muslim, M. Imam
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Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Engineering Industrial & Manufacturing Engineering Mechanical Engineering

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Profit Sharing Analysis on Mudharabah Savings to Increase Customer Interest in Microfinance Haridah, Haridah; Muslim, M. Imam; Sulaiman, Sulaiman
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v3i1.31

Abstract

Savings and Loans Cooperatives and Sharia Financing (KSPPS) NURI East Java Sokobanah 1 Sampang Branch has several products, both financing and savings. One of the KSPPS savings products is mudharabah savings. Members save their funds in microfinance and fully entrust the savings funds to be managed by microfinance in the hope of obtaining profit sharing. The income obtained by microfinance in throwing mudharabah savings funds will be divided according to the ratio agreement between the members and microfinance, 30% for customers and 70% for cooperatives. This study aims to determine the profit-sharing system in savings (mudharabah savings) carried out by the Microfinance East Java Sokobanah 1 Sampang. This research is qualitative research which is described by words or sentences that are separated according to categories to get a conclusion. Data collection used interviews with the manager of the Microfinance East Java Sokobanah 1 Sampang. The method of observation is to observe directly the financing activities in the field. The results of the study show that the increase in customer interest in mudharabah contract transactions does depend on the amount of profit sharing, namely on the highest ratio exceeding interest rates. The implication is that mudharabah contracts have the potential to be developed even though the risks are also great.
Profit Sharing Analysis on Mudharabah Savings to Increase Customer Interest in Microfinance Haridah, Haridah; Muslim, M. Imam; Sulaiman, Sulaiman
Majapahit Journal of Islamic Finance and Management Vol. 3 No. 1 (2023): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v3i1.31

Abstract

Savings and Loans Cooperatives and Sharia Financing (KSPPS) NURI East Java Sokobanah 1 Sampang Branch has several products, both financing and savings. One of the KSPPS savings products is mudharabah savings. Members save their funds in microfinance and fully entrust the savings funds to be managed by microfinance in the hope of obtaining profit sharing. The income obtained by microfinance in throwing mudharabah savings funds will be divided according to the ratio agreement between the members and microfinance, 30% for customers and 70% for cooperatives. This study aims to determine the profit-sharing system in savings (mudharabah savings) carried out by the Microfinance East Java Sokobanah 1 Sampang. This research is qualitative research which is described by words or sentences that are separated according to categories to get a conclusion. Data collection used interviews with the manager of the Microfinance East Java Sokobanah 1 Sampang. The method of observation is to observe directly the financing activities in the field. The results of the study show that the increase in customer interest in mudharabah contract transactions does depend on the amount of profit sharing, namely on the highest ratio exceeding interest rates. The implication is that mudharabah contracts have the potential to be developed even though the risks are also great.
STUDI KELAYAKAN USAHA PENGGILINGAN BATU TENAGA MESIN PADA UD. PRO WIJAYA DESA JERUK PURUT GEMPOL PASURUAN Muslim, M. Imam; Pusakaningwati, Ayik; Misbah, Achmad
Journal Knowledge Industrial Engineering (JKIE) Vol 3 No 2 (2016): JKIE (Journal Knowledge Industrial Engineering)
Publisher : Department of Industrial Engineering - Universitas Yudharta Pasuruan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35891/jkie.v3i2.874

Abstract

UD.PRO wijaya, perusahaan pengayakan pasir tenaga manusia , ingin berpindah ke usaha penggilingan batu tenaga mesin, namun terkendala pada pengetahuan akan potensi usaha yang akan dijalankan sehingga dibutuhkan penelitian berkenaan dengan kelayakan usaha guna menjawab permasalahan tersebut menggunakan metode kualitatif dan kuantitatif. Hasilnya penelitian menunjukkan usaha yang dijalankan tidak berbentuk badan usaha sehingga tidak ada izin badan usaha ke instansi terkait , yang diperlukan hanya izin kepala desa sebagai perwakilan masyarakat desa yang berkenan memberi izin. BBM, pertumbuhan ekonomi, keuntungan demografis merupakan faktor penentu meningkatnya permintaan batu. Berdasarkan analisis pasar dan pemasaran diperkirakan rata – rata penawaran produk penggilingan batu tahun 2012 – 2015 sebanyak 1441 m3/h. Untuk analisis permintaan diperoleh rata – rata permintaan dari tahun 2012 – 2015 rata – rata 1726 m3/h. Untuk analisis teknis produksi batu yang dihasilkan berupa batu ukuran 1:1, 1:2 , 2:3, 3:5 dan abu batu. Estimasi waktu pembangunan diperkirakan setidaknya 60 hari.Proyeksi kebutuhan tenaga kerja terdiri dari tenaga kerja pembangunan dan tenaga kerja operasional.Adapun modal yang digunakan adalah 100% modal sendiri dengan keuntungan perhari sebanyak Rp. 5.477.830.kesimpulan akhir yaitu dalam waktu dekat ini tidak layak dilakukan hingga kondisi pasar pulih.
Co-Authors Achmad Misbah Haridah, Haridah Pusakaningwati, Ayik Sulaiman Sulaiman