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All Journal Gorontalo Accounting Journal Amwaluna Jurnal Ekonomi dan Keuangan Syariah
Siti Afidatul Khotijah
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Economics, Econometrics & Finance

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ANALYSIS OF THE EFFECT OF MURABAHA FINANCE IN SHARIA BANKS ON THE ECONOMIC GROWTH OF AGRICULTURAL SECTOR Siti Afidatul Khotijah; Chaidir Iswanaji
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 4, No 2 (2020)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (403.263 KB) | DOI: 10.29313/amwaluna.v4i2.5432

Abstract

The purpose of this study is to analyze the influence of Islamic banks murabaha financing on the economic growth of the agricultural sector which measured by Gross Domestic Product (GDP) of the agricultural sector and analyze the characteristics of murabaha for the agricultural sector. The analytical method used is simple linear regression and also a qualitative overall analysis. Data analyzed from 2010-2018 were 36, obtained from the Otoritas Jasa Keuangan (OJK) and Badan Pusat Statistik (BPS). The results showed that murabaha financing had a positive effect on economic growth in the agricultural sector. Murabaha products in Islamic banking are one of the easiest products to use as an alternative to financing the agricultural sector. Because of its simplicity, this product has become more frequently used and most of the distribution of funds is through murabaha contracts. Even so the murabaha scheme of the agricultural sector has different characteristics from other sectors, considering that farmers can only pay the installments after the harvest. That way, Islamic banking must have the right source of funds for this financing, such as mudharabah muqayyadah. Not all agricultural financing activities must use the murabaha contract, because in its application it must also be adjusted to the terms and funding period, so Islamic Banks can use alternative contracts that are more appropriate.
Analisis Penerapan Sistem Informasi Aplikasi Pegadaian Syariah Digital Dalam Memudahkan Nasabah Bertransaksi Menurut Syariah Islam Rizky Setyaningrum; Siti Afidatul Khotijah
Gorontalo Accounting Journal Volume 3 Nomor 2 October 2020
Publisher : Universitas Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (326.353 KB) | DOI: 10.32662/gaj.v3i2.1027

Abstract

This study aims to analyze the application of the Pegadaian Syariah Digital information system in facilitating syariah transaction customers at PT. Pegadaian Syariah Ups Mertoyudan. The research method used in this study uses qualitative research throught interviews with customers Pegadaian Syariah Ups Mertoyudan. Then analyzed using descriptive analysis method.The results of this study indicate that the application of Pegadaian Syariah Digital is in accordance with the objectives of Pegadaian Syariah namely to facilitate customers in terms of transactions and provide service that have an impact on customer satisfaction. Pegadaian Syariah Ups Mertoyudan emphasizes the disclosure of detailed and valid information so that it cant prevent wrongdoing in doing business. The application of Pegadaian Syariah Digital in Pegadaian Syariah Ups Mertoyudan is in accordance with islamic syariah principles.
Co-Authors Iswanaji, Chaidir Rizky Setyaningrum