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Pengaruh Prinsip Syariah, Kualitas Layanan, Produk, Dan Promosi Terhadap Keputusan Masyarakat Dalam Menggunakan Produk-Produk Bank Syariah Mandiri Di Kantor Cabang Pembantu Rogojampi Kecamatan Rogojampi Kabupaten Banyuwangi Nur Moh. Annurroin
Jurnal Istiqro Vol 6 No 2 (2020): Juli 2020
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v6i2.572

Banking institutions are one of the most important institutions in the modern economic system. There is no modern country that runs its economic activities without involving banking institutions. Banking is an intermediary institution that functions as a liaison (intermediator) between surplus units and deficit units, by collecting funds from the public in the form of savings or deposits and then channeled back to the public in the form of credit or financing. in this study there are problems examined including sharia (religious) factors, service quality, product types and promotions that have positive and significant influence on community decisions and the most dominant factor influencing the community in using Bank Syariah Mandiri products in Rogojampi District, Banyuwangi Regency. This study aims to determine the factors that influence the community in using Bank Syariah Mandiri products in Rogojampi District, Banyuwangi Regency. Respondents were drawn from the public who are customers at Bank Syariah Mandiri located in Banyuwangi district with 6 offices using the accidental sampling technique. The method used to determine the relationship between the dependent variable and the independent variable is multiple linear regression, namely:Y = ao + b1 X1 + b2 X2 + b3 X3 + b4 X4 + e The results of multiple regression analysis show that the independent variables in this study have a positive and significant influence together on the dependent variable, namely the community's decision to use Bank Syariah Mandiri products, which shows that the most dominant factor influencing the community in using Bank Syariah Mandiri products , is the product factor. The partial test results show that the independent and dependent variables that have a positive and significant influence are product factors.

Vol 1 Maret 2023 MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH: OPTIMALISASI PERAN LEMBAGA KEUANGAN SYARIAH DALAM MEMBANGUN EKONOMI UMAT nur muh annuroin
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 1 (2023): MEMBANGUN LITERASI KEUANGAN DAN INVESTASI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i1.28

This study will discuss the description of steps that Islamic financial institutions should take to optimize their role in building the people's economy, especially in Indonesia by paying attention to whether the contract applied is in accordance with sharia rules or just hiding behind a sharia label but the practice is not in accordance with sharia rules, such as implement an interest system which in sharia interest is included in the category of usury which is haraam. This research was conducted using qualitative research methods with descriptive analysis results, Data collection was carried out by means of natural setting, primary data sources, while the data collection technique is done by participant observation, questionnaires, triangulation and in-depth interviews. Further results show that Islamic financial institutions should straighten out their roles as investment managers and as intermediary institutions between capital owners, Islamic financial institutions should minimize the bank-minded paradigm, and Islamic financial institutions should optimize mudharabah and musyarakah funding as the core business.

Vol 2 no 2 Tahun 2024 SIMPANAN QURBAN DALAM PERSPEKTIF EKONOMI SYARIAH : (STUDI KASUS KSPPS BISMILLAH CABANG NGADIREJO KABUPATEN TEMANGGUNG ) annuroin, nur muh
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 2 No 2 (2024): KEBIJAKAN-KEBIJAKAN PUBLIK DALAM KAJIAN EKONOMI SYARIAH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v2i2.124

Qurban Savings is a medium for storing funds in the form of savings intended for people to plan Qurbani worship, with flexible deposits. This product is a savings product with a mudharabah contract, namely members as shohibulmaal (fund owners) while KSPPS Bismillah as mudharib (implementer/business manager), for this collaboration applies a profit-sharing system with a ratio that has been agreed in advance. The purpose of this study is to find out the practice of Qurban Savings and the analysis of Qurban Savings products reviewed from the perspective of sharia business at KSPPS Bismillah Ngadirejo Branch, Temanggung Regency. The method used in this thesis is a qualitative method. The data collection can be done by an interview system with the Manager, Employees, Customers of KSPPS Bismillah Ngadirejo Branch as well as direct observation of certain objects that are the focus of the research and record everything related to Qurban Deposits at KSPPS Bismillah Ngadirejo Branch, Temanggung Regency as well as documentation related to this research. From the results of the study, it can be concluded that, the practice of the Qurban Savings product of KSPPS Bismillah Ngadirejo Branch, every member who wants to keep qurbani savings, is required to become a member, pay a principal deposit of Rp. 50.000,00, attach a photocopy of a valid ID card and pay an administrative fee of Rp. 5.000,00. For the withdrawal of Qurban Savings at least one month before Eid al-Adha, the initial deposit is at least Rp. 10.000,00 and the next deposit is at least Rp 5.000,00. Funds for this deposit product can be done in cash or book transfer. Withdrawals from deposits can be made at all KSPPS Bismillah branch offices by bringing a passbook and an original identity card. Withdrawal of deposits cannot be represented, and if it is urgent, a sufficient stamped power of attorney from the account owner must be attached accompanied by proof of original identity from the account owner accompanied by proof of original identity from the owner and authorized recipients. The minimum balance after the deposit is taken Rp 10.000,00 and the customer gets the result according to the calculation of the daily average balance. Profit sharing is calculated at the end of the month and added to the customer's account at the end of the month, with a ratio of 65% for KSPPS Bismillah and 35% for customers. If the customer wants to close the book or close the account, an administration fee of Rp10.000,00 will be charged to the customer concerned. Qurban savings products at KSPPS Bismillah Ngadirejo Branch, Temanggung Regency If reviewed with DSN-MUI Fatwa Number 02/DSNMUI/IV/2000 concerning savings, the implementation of the practice of Qurban Savings products at KSPPS Bismillah Ngadirejo Branch, Temanggung Regency is fully in accordance with Islamic provisions.

A Implementasi Ekonomi Syari'ah : Marketing Syari'ah: STRATEGI PENETAPAN HARGA DITINJAU PERSPEKTIF EKONOMI SYARI’AH annuroin, nur muh
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 3 No No 01 (2025): Implementasi Ekonomi Syari'ah : Marketing Syari'ah
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v3iNo 01.219

The background of this study is that the tight competition in the gas industry today, so that companies compete in this very tight competition which aims to create and retain customers. One of their efforts in retaining customers is by setting the best selling price for the product. Because price is a very important part of marketing. In addition, in the distribution process, it must prioritize fairness from distributors in providing prices to stores acording to the HET (highest retail price) of each company, so that companies must really consider setting the selling price of the product by taking into account the products to be sold in order to increase and maintain sales volume. This study is a qualitative field research. The interview targets are those involved in the selling price determination process, such as owners or authorized managers. Data collection uses observation, interview, and documentation methods. While the analysis uses qualitative (non-statistical) analysis which is qualitative descriptive, using inductive thinking. Based on the results of the study, it shows that first: Retail gas sellers use pricing methods and distribution processes that are in accordance with sharia principles and this method is seen in sales data as very effective in increasing sales volume each year. In essence, companies must prioritize the common good and the code of ethics in trading does not have any elements that harm one party.

Edisi 1 Vol 2 September 2023 MEMBANGUN UMAT DENGAN ZAKAT: MEKANISME ZAKAT PADA PASAR UANG DAN MODAL SYARIAH Annurroin, Nur Moh
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 1 No 2 (2023): MEMBANGUN UMAT DENGAN ZAKAT
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v1i2.17

ABSTRACT Islam teaches us to share with others, to help each other, one of which is by diligently giving alms and paying zakat with the aim of purifying our wealth. In today's modern economic development there are many companies or investors investing in the capital market and money market, many of whom wish to pay zakat. The writing methodology uses descriptive analysis and the social relations theory approach proposed by Ostrander and Schervisb. The data used in this study comes from data released from related parties such as BAZNAS, the Islamic capital market/Indonesian stock exchange and also PT. HP Sekuritas as the implementer of zakat investment either stocks or bonds or others. The results of this study state that in the implementation of zakat in the Islamic Money Market and Capital Market there are investors, then securities or agents who act on behalf of investors using wakalah bil ujrah contracts. Next is the National Amil Zakat Agency (BAZNAS). The mechanism for determining zakat as a result of investment gains must pay zakat if it reaches the nisab. The nisab for zakat is the same as the nisab for zakat maal, which is 85 grams of gold at a zakat rate of 2.5% and has reached one year (haul). Currently investors can pay zakat to BAZNAS in the form of shares to BAZNAS's investor fund account. ABSTRAK Islam mengajarkan untuk berbagi dengan sesama, saling tolong menolong salahsatunya adalah dengan cara kita rajin sedekah dan menunaikan zakat dengan tujuan mensucikan harta kita . Dalam perkembangan ekonomi modern saat ini banyak sekali perusahaan atau investor yang melakukan investasi di pasar modal dan pasar uang, diantara mereka banyak pula yang berkeinginan mengeluarkan zakat. Metodologi penulisan menggunakan analisis deskriptif dan pendekatan teori relasi sosial yang dikemukakan oleh Ostrander dan Schervisb. Data yang digunakan dalam penelitian ini bersumber dari data yang dirilis dari pihak-pihak yang bersangkutan seperti BAZNAS, Pasar modal syariah/bursa efek indonesia dan juga PT. HP Sekuritas sebagai peaksana implementasi zakat investasi baik saham atau obligasi atau lainnya. Hasil dari penelitian ini menyatakan bahwa Dalam implementasi zakat di Pasar Uang dan Pasar Modal Syariah terdapat pihak investor, Kemudian pihak sekuritas atau agen yang bentindak atas nama investor dengan menggunakan akad wakalah bil ujrah. Selanjutnya Badan Amil Zakat Nasional (BAZNAS). Mekanisme dalam menentukan zakat hasil dari keuntungan investasi wajib dikeluarkan zakatnya jika sudah mencapai nisab. Nisab zakat sama nilainya dengan nisab zakat maal yaitu senilai 85 gram emas dengan tarif zakat 2,5% dan sudah mencapai satu tahun (haul). Saat ini investor dapat menunaikan zakat ke BAZNAS dalam bentuk saham ke rekening dana investor milik BAZNAS.

Vol 2 No 1 EKONOMI KERAKYATAN DALAM PERSPEKTIF EKONOMI SYARI'AH: PENGELOLAAN AIR MINUM PAMSIMAS DALAM PERSPEKTIF BISNIS SYARI’AH ( STUDI KASUS PAMSIMAS DESA TURUN REJO BRANGSONG KABUPATEN KENDAL annuroin, nur muh
IKHTIYAR JURNAL EKONOMI SYARI'AH Vol 2 No 1 (2024): EKONOMI KERAKYATAN DALAM PERSPEKTIF EKONOMI SYARI'AH
Publisher : PRODI ES SEKOLAH TINGGI ISLAM KENDAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69776/ikhtiyar.v2i1.85

Based on research that has been conducted regarding Tirto Asri's Community-Based Drinking Water and Sanitation Management (PAMSIMAS) in Turunrejo Village, there are several conclusions put forward by researchers, namely as follows:Financial management at KP SPAMS Tirto Asih, Turunrejo Village, Kendal Regency using BOPO ratio analysis shows that financial management performance is less efficient. Because operational costs are incurred for the development of PAMSIMAS and the construction of healthy latrines for village communities who do not yet have latrines.Financial management at KP SPAMS Tirto Asih according to the Islamic Economics perspective is in accordance with the Islamic Economics perspective seen from the work ethic that has been implemented by KP SPAMS. However, when carrying out transactions or loans, they still collaborate with conventional banks.PAMSIMAS Tirto Asih has had a positive impact that has been felt bythe people of Turunrejo Village, starting from the health, socio-cultural and economic aspects. From a health perspective, people get decent and clean drinking water and minimize diarrheal diseases. Meanwhile, from a socio-cultural perspective, by building healthy latrines in every house, it has become a culture of the village community to no longer defecate in the open (BABS) and live a healthier life. Apart from that, the most important thing is from an economic perspective, if village people live healthily, it will increase family productivity, which in turn will increase the community's economic capacity.

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