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All Journal Jurnal Ar-Ribh Jurnal Hukum Ekonomi Syariah : AICONOMIA
Hamid, Supriadi
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Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice

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The Effectiveness Of Implementing The Musyarakah Mutanaqisah (MMQ) Contract On The Financing Of Home Ownership Credit Products (KPR) BTN Syariah Makassar Branch Hamid, Supriadi; Supriani, Nuraisyah; Arsyad, Kamaruddin
Jurnal Ar-Ribh Vol 7, No 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.14524

Abstract

The purpose of this study was to find out how the implementation of the Musyarakah Mutanaqisah (MMQ) contract for financing home ownership credit (KPR) and to analyze the effectiveness of implementing the MMQ contract for financing KPR products at Bank BTN Syariah Makassar Branch. This type of research is a qualitative research with a descriptive approach. The data sources of this research are primary and secondary data . Data collection methods used in this research are observation, interviews, and documentation. The results of this study indicate that the implementation of the MMQ contract in financing KPR products at the Makassar Branch of BTN Syariah bank is that the bank and the customer jointly buy a house object and then agree to rent it out again to gain profit from the rental with a profit sharing ratio, where the customer as the owner as well as the tenant is obliged to pay installments bank principal and lease, the portion of bank ownership will decrease due to gradual purchases and full ownership for the customer of the object at the end of the period. The results of this study also explain that the application of the MMQ contract in financing KPR products of Bank BTN Syariah Makassar is still ineffective because in practice it still creates a conflict with the characteristics of MMQ.
The Influence of Economic Value Added (EVA), Market Value Added (MVA) And Company Value On Stock Prices PT. Bank Panin Dubai Syariah Al Rafi, Fauzan; Samsul, Samsul; Hamid, Supriadi
Jurnal Hukum Ekonomi Syariah : AICONOMIA Vol. 3 No. 1 (2024): Jurnal Hukum Ekonomi Syariah : AICONOMIA
Publisher : Fakultas Syariah IAIN Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/acm.v3i1.3132

Abstract

Share price is an indicator of the success of running a company. When a company's share price rises, investors believe the company is successful in managing its business. If share prices continue to fall, it means the company has not succeeded in increasing its company value. This research aims to determine the influence of each variable Economic Value Added (EVA), Market Value Added (MVA), and Company Value on the share price of PT. Bank Panin Dubai Syariah both partially and simultaneously. This research is quantitative research with a correlational approach (correlation), the research data source is secondary data in the form of financial reports and share prices of the company PT. Bank Panin Dubai Syariah quarter 2014-2021. Data hypothesis testing in this study uses multiple linear regression tests. Data analysis includes classical assumption tests, multiple regression analysis, F tests and T tests. The results of the research reveal that the Economic Value Added (EVA) variable has a significant and negative effect on stock prices, EVA produces value negative, indicating that the company's performance and ability to generate wealth have not been achieved for the company and investors. The Market Value Added (MVA) variable has no significant and negative effect on stock prices. MVA produces a negative value which indicates that the company's main goal of increasing shareholder wealth has not been achieved. Meanwhile, the company value variable (PBV) produces a significant and positive value which indicates the share price is below 1, which means the share price is undervalued or relatively cheap.
The Effectiveness Of Implementing The Musyarakah Mutanaqisah (MMQ) Contract On The Financing Of Home Ownership Credit Products (KPR) BTN Syariah Makassar Branch Hamid, Supriadi; Supriani, Nuraisyah; Arsyad, Kamaruddin
Jurnal Ar-Ribh Vol. 7 No. 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.14524

Abstract

The purpose of this study was to find out how the implementation of the Musyarakah Mutanaqisah (MMQ) contract for financing home ownership credit (KPR) and to analyze the effectiveness of implementing the MMQ contract for financing KPR products at Bank BTN Syariah Makassar Branch. This type of research is a qualitative research with a descriptive approach. The data sources of this research are primary and secondary data . Data collection methods used in this research are observation, interviews, and documentation. The results of this study indicate that the implementation of the MMQ contract in financing KPR products at the Makassar Branch of BTN Syariah bank is that the bank and the customer jointly buy a house object and then agree to rent it out again to gain profit from the rental with a profit sharing ratio, where the customer as the owner as well as the tenant is obliged to pay installments bank principal and lease, the portion of bank ownership will decrease due to gradual purchases and full ownership for the customer of the object at the end of the period. The results of this study also explain that the application of the MMQ contract in financing KPR products of Bank BTN Syariah Makassar is still ineffective because in practice it still creates a conflict with the characteristics of MMQ.
Co-Authors Al Rafi, Fauzan Arsyad, Kamaruddin Samsul Samsul Supriani, Nuraisyah