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All Journal Jurnal Manajemen Terapan dan Keuangan JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Bisnis dan Manajemen Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies SEIKO : Journal of Management & Business At-Tawassuth: Jurnal Ekonomi Islam Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Journal on Education JOURNAL OF APPLIED BUSINESS ADMINISTRATION JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JURNAL MANAJEMEN BISNIS JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Account : Jurnal Akuntansi, Keuangan dan Perbankan Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi Jurnal Pendidikan dan Konseling SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Tasharruf: Journal Economics and Business of Islam Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management AL-FALAH : Journal of Islamic Economics INTELEKTIVA Journal La Sociale El-Mujtama: Jurnal Pengabdian Masyarakat JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Riset Ilmu Ekonomi Kontigensi: Jurnal Ilmiah Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Journal of Management and Business Jurnal Cakrawala Ilmiah Jurnal Ilmiah Mahasiswa Raushan Fikr MES Management Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Trisna Riset Expensive: Jurnal Akuntansi dan Keuangan Populer: Jurnal Penelitian Mahasiswa Jurnal ekonomi Manajemen dan Bisnis (JUBIS) Journal of Islamic Economics Lariba Transformasi: Journal of Economics and Business Management Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Jurnal Ekonomi Manajemen Akuntansi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi Research Horizon International Journal of Trends in Accounting Research Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Socius: Social Sciences Research Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Majapahit Journal of Islamic Finance dan Management Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Majapahit Journal of Islamic Finance dan Management JER ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies Ulil Albab JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Edueksos: Journal Pendidikan Sosial dan Ekonomi
Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Other

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Penerapan Layanan Muamalat Din Dalam Kemudahan Bertransaksi pada PT Bank Muamalat Indonesia KCP Serdang Nadya Ervina; Risma Warti; Nursantri Yanti
El-Mujtama: Jurnal Pengabdian Masyarakat Vol 3 No 3 (2023): El-Mujtama: Jurnal Pengabdian Masyarakat
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmujtama.v3i3.3873

Abstract

This study iiiaims iiito iiifind iiiout iiihow iiithe iiiImplementation of Muamalat iiiDin iiiServices iiiin iiiEase iiiof iiiTransactions iiiat iiiPT. iiiBank iiiMuamalat iiiIndonesia iiiKcp iiiSerdang. iiiThis iiistudy iiiuses iiia iiidescriptive iiiqualitative iiiresearch iiimethod. iiiQualitative iiiresearch iiican iiibe iiiunderstood iiias iiia iiiway iiito iiisolve iiithe iiiproblem iiiunder iiistudy iiiby iiidescribing iiithe iiicondition iiiof iiithe iiisubject iiior iiiobject iiiof iiiresearch. iiiThe iiidata iiiused iiiin iiithis iiistudy iiicomes iiifrom iiisecondary iiidata, iiinamely iiidata iiiobtained iiifrom iiilibrary iiimaterials iiisuch iiias iiijournals, iiibooks iiiand iiiother iiielectronic iiimedia. iiiThis iiidata iiiwas iiicollected iiithrough iiiinterviews iiiand iiiliterature iiireview iii(literature iiireview). iiiThe iiiresults iiiof iiithis iiistudy iiiare iiithe iiiapplication iiiof iiiDIN iiimuamalat iiiservices iiiat iiiPT. iiiMany iiiBank iiiMuamalat iiiIndonesia iiiKcp iiiSerdang iiihave iiinot iiiused iiithis iiiMumalat iiiDIN iiias iiia iiitransaction iiiservice. iiiThere iiiare iiiseveral iiireasons iiifor iiithis, iiiincluding iiithe iiilack iiiof iiisocialization iiiregarding iiimuamalat iiiDIN iiito iiicustomers, iiiin iiiwhich iiicustomers iiiare iiiultimately iiiless iiiinformed iiiabout iiithe iiiexistence iiiof iiithis iiimuamalat iiidin iiimobile iiibanking iiiapplication. iiiPT iiiBank iiiMuamalat iiiIndonesia iiiKcp iiiSerdang iiimust iiibe iiifurther iiiimproved iiiboth iiiin iiiterms iiiof iiioperations iiias iiiwell iiias iiiservices iiiand iiimarketing. iiiIn iiiaddition, iiipromotions iiiin iiiintroducing iiiproducts iiiare iiinot iiionly iiifocused iiion iiione iiiservice iiito iiiits iiicustomers, iiithere iiiare iiifactors iiithat iiiinfluence iiicustomer iiiinterest iiiin iiiusing iiithis iiimuamalat iiiDin iiiservice, iiinamely iiifast iiiaccess, iiitime iiiefficiency, iiiand iiimaintained iiisecurity iiiand iiiall iiiproducts iiiare iiispecialized iiiin iiisharia iiiprinciples Keywords: iiimuamalat iiidin, iiiease iiiof iiitransaction, iiibank iiimuamalat
Optimalisasi Pendayagunaan Zakat Melalui Program Beasiswa Prestasi Tahun 2017-2020: Atika Suri; Annio Indah Lestari Nasution; Nursantri Yanti,
ManBiz: Journal of Management and Business Vol 3 No 1 (2024): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v3i1.2045

Abstract

This study was conducted to determine whether the utilization of zakat carried out by Dompet Dhuafa Waspada (DDW) in collaboration with UPZ Bank SUMUT through0the achievement scholarship program has been running optimally or not. The0purpose of this study is to find0out how the zakat utilization mechanism is applied by DDW, especially in the merit scholarship program in the Dompet Dhuafa Waspada2 North Sumatra, and to find out how the impact of awarding merit scholarships has on increasing the entrepreneurial desire of the scholarship beneficiaries which leads to the conclusion whether the utilization of scholarships is beneficial. What is done by the underprivileged wallet is alert that it is optimal or not optimal. This study use a descriptive approach0with the type of research is qualitative, so0the data analysis used is0descriptive qualitative0analysis. The results of this study indicate that the achievement scholarship program run by DDW in collaboration with UPZ Bank SUMUT has been running optimally. It is evident from the amount of funds obtained since 2017-2020 which has increased, as well as all the efforts they have made to make this program better and more effective. Then this achievement scholarship program has also resulted in significant changes to the lives of the scholarship beneficiaries, starting from the assistance in education costs, increasing skills and knowledge about entrepreneurship. However, there is still a need for further improvements in the implementation of this program so that this program continues to improve and be more optimal. Keywords: Utilization of zakat, Achievement Scholarship, optimization
Strategi Pemasaran untuk Meningkatkan Penghasilan UMKM di Sua Snack Tembung Miftahul Jannah Hasibuan; Nursantri Yanti; Waizul Qarni
Transformasi: Journal of Economics and Business Management Vol. 2 No. 4 (2023): December : Journal of Economics and Business Management
Publisher : Universitas 17 Agustus 1945 Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/transformasi.v2i4.1162

Abstract

This research aims to find out how marketing strategies can increase MSME income at SUA Snack Tembung. And what are the opportunities and obstacles for marketing strategies to increase MSME income at SUA Snack Tembung. This type of research is qualitative research. In this research the author takes a descriptive approach or strategy, namely describing or depicting an object, as well as a phenomenon in a social setting and expressed in the form of writing and sentences or it can also be interpreted as telling the situation of the research according to the facts and phenomena that actually occur using words and sentences or narrative. Based on the results of research conducted by researchers in the field, researchers can conclude that the marketing strategy used by SUA Snack to increase income is through promotions on social media, various discounts offered, attractive packaging, affordable prices and available in various flavors. As for the strengths, weaknesses, opportunities and threats that later emerged in SUA Snack in the marketing strategy carried out to increase income, the author carried out a SWOT analysis based on the results of interviews and observations in the field, namely Strengths such as good taste, affordable prices, friendly sellers and polite, attractive packaging, has many flavor variants, then Weaknesses: social media promotion is less than optimal, stock of goods is not large enough, and location is less strategic. Opportunities (Opportunities) in the culinary industry are popular with all groups, basreng and macaroni foods are currently viral, the taste is unique and addictive, can be enjoyed at any time and the last is Threat (Threat) such as the large number of food businesses appearing, high competitiveness, the perspective of some basreng people and Macaroni is neither healthy nor nutritious
Tinjauan Ekonomi Islam Terhadap Jual Beli Online Furniture Dengan Akad As-Salam (Studi Kasus Nayyara Perabot Mandailing Natal) Etika Manda Sari Rangkuti; Sri Sudiarti; Nursantri Yanti
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 1, No 3 (2023): Oktober
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.10041548

Abstract

“Salam” is a transaction or sales contract in which the goods being sold have not yet been obtained at the time of the transaction. The buyer makes an upfront payment, and the delivery of the goods is carried out at a later date. This research is motivated by the practice of online merchants in the Mandailing Natal district in applying a trade system based on orders and whether it complies with the concept of “as-salam” as defined by Islamic economics. The data for this research was collected through interviews and documentation. Initially, the author conducted direct observations at the research location to closely obserbe what was happening. Subsequently, interviews were conducted with the owners of furniture businesses and some consumers of Nayyara Perabot to obtain strong data. The data collected by the researcher was analyzed using qualitative analysis methods, including data reduction, data presentation, drawing conclusions, and authenticity testing. Based on the research findings, in online sales with “salam” contracts for furniture at Nayyara Perabot in Mandailing Natal, the practices that have been followed so far are in line with the concept of “salam”. This includes the spesification of ordered goods, the agreed-upon delivery time and location, and the satisfaction of consumers upon receiving the goods.
Pengaruh Jumlah Penduduk, Pendidikan, Investasi Asing, dan Inflasi Terhadap Tingkat Pengangguran Terbuka Di Provinsi Sumatera Utara Salman Al-faridzi; Maidalena Maidalena; Nursantri Yanti
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3497

Abstract

Permasalahan pengangguran merupakan masalah yang sampai saat ini masih sulit dicegah oleh seluruh negara baik itu negara berkembang ataupun negara maju. Salah satu negara berkembang yang masih menghadapi permasalah ini adalah negara Indonesia. Angka pengangguran yang tinggi dapat menyebabkan turunnya tingkat kesejahteraan masyarakat, meningkatnya kemiskinan dan munculnya tindakan kriminalitas. Tujuan penelitian ini yaitu untuk melakukan identifikasi dan menjelaskan pengaruh variabel jumlah penduduk, pendidikan, investasi asing dan inflasi terhadap tingkat pengangguran terbuka di provinsi Sumatera Utara periode tahun 2010-2021. Penelitian ini merupakan penelitian berjenis kuantitatif yang menggunakan metode analisis data berupa regresi linier berganda dengan memanfaatkan perangkat lunak SPSS versi 26.0. Hasil penelitian menunjukan bahwa jumlah penduduk memiliki pengaruh signifikan dan hubungan positif terhadap tingkat pengangguran terbuka. Pendidikan memiliki pengaruh yang signifikan dan hubungan yang negatif terhadap tingkat pengangguran terbuka. Sementara itu, variabel investasi asing dan inflasi tidak signifikan memberikan pengaruh pada tingkat pengangguran terbuka di provinsi Sumatera Utara. Variabel jumlah penduduk, pendidikan, investasi asing dan inflasi memberikan pengaruh secara simultan terhadap tingkat pengangguran terbuka di provinsi Sumatera Utara selama rentang periode waktu tahun 2010-2021.
Analisis Hubungan Coping Strategi Dengan Pendapatan dan Ketahanan Pangan Petani Karet Di Desa Pagur, Payabungan Timur, Mandailing Natal, Sumatera Utara Lailanur Fadillah Nasution; Nuri Aslami; Nursantri Yanti
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3634

Abstract

Laporan keuangan tahunan berfungsi sebagai sumber informasi penting mengenai kinerja dan prospek perusahaan bagi pemegang saham dan pengguna laporan keuangan, yang menjadi dasar pengambilan keputusan investasi. Oleh karena itu, informasi dalam laporan keuangan harus relevan, dapat diandalkan, dan diperoleh secara tepat waktu. Ketepatan waktu penyusunan dan penyajian laporan keuangan sangat berpengaruh terhadap nilai informasi dari laporan tersebut. Opini auditor atas laporan keuangan memberikan keyakinan kepada pengguna bahwa laporan keuangan tersebut dapat diandalkan. Pada tahun 2017, Bursa Efek Indonesia (BEI) melaporkan terdapat 70 perusahaan publik atau emiten yang belum menyampaikan laporan keuangan kuartal I-2017 hingga akhir April, meskipun terdapat ketentuan bagi emiten pada tahun 2017 untuk menyampaikan laporan keuangan paling lambat pada akhir April. Ukuran perusahaan tidak berpengaruh terhadap audit delay karena perusahaan besar diasumsikan memiliki sistem dan pengendalian internal yang baik, sehingga menjamin prosedur pencatatan dan pelaporan yang tepat. Opini auditor juga tidak berpengaruh terhadap audit delay karena opini selain wajar tanpa pengecualian dianggap sebagai berita buruk. Umur perusahaan tidak berpengaruh terhadap audit delay, mengindikasikan bahwa lamanya suatu perusahaan berdiri tidak mempengaruhi lamanya audit delay.
Analisis Pencapaian Produk Rahn Tasjily Tanah Dalam Kemudahan Permodalan Dan Peningkatan Perekonomian Pada PT Pegadaian Syariah Gunungtua Susi Apriliani; Nursantri Yanti; Muhammad Ikhsan Harahap
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 4 No. 6 (2023): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v4i6.3892

Abstract

Penelitian ini bertujan untuk mengetahui pencapain produk Rahn Tasjily tanah dalam kemudahan permodalan pada PT. Pegadaian Syariah Gunungtua  dalam peningkatan perekonomian nasabah pada PT. Pegadaian Syariah  Gunungtua. Penelitian ini menggunakan teknik deskriptif analitik untuk analisis data dan observasi, wawancara, dan dokumentasi untuk pengumpulan data. Metode kualitatif yang digunakan menggunakan sumber data primer dan sekunder. Barang tanah Rahn Tasjily yang ditawarkan di Pegadaian Gunungtua Syariah sudah sesuai dengan metrik untuk memperoleh kemudahan modal, hal ini dapat ditentukan berdasarkan hasil penelitian. Pembenaran yang diberikan oleh anggota staf dan klien yang menggunakan barang Rahn Tasjily Tanah membuktikan hal ini. Meskipun ada beberapa tantangan yang terkait dengan produk ini, seperti proses yang panjang dan menantang yang memerlukan pertimbangan matang dalam memilih calon pengguna dan risiko yang signifikan jika pelanggan gagal bayar, produk ini juga sangat disukai oleh masyarakat umum, sehingga Ini Produk ini dianggap bermanfaat dan merupakan tanda pertumbuhan ekonomi dan kemudahan modal. Jika dilihat dari kacamata ekonomi Islam, pendanaan ini mematuhi seluruh aturan dan ketentuan ekonomi Islam, termasuk tidak adanya riba dan diperbolehkannya transaksi.         Ada sejumlah tantangan dalam produk ini, termasuk prosedur yang berlarut-larut dan menantang yang memerlukan kehati-hatian ekstrem saat memilih calon pengguna dan risiko besar jika konsumen gagal membayar. Selain itu, produk ini menikmati popularitas yang cukup besar di masyarakat, oleh karena itu dianggap sudah positif dan merupakan pertanda membaiknya kondisi perekonomian dan diperolehnya relaksasi modal. Dari sudut pandang ekonomi Islam, pendanaan ini mematuhi seluruh kaidah ekonomi Islam, termasuk tidak adanya riba, diperbolehkannya transaksi, dan bukan merupakan aktivitas yang dilarang.  
FIQH MUAMALAH COSMETICS Nursantri Yanti; Asmuni; Andri Soemitra
JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Vol. 6 No. 1 (2022): Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe)
Publisher : IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v6i1.502

Abstract

Fiqh muamalah cosmetics is a study of the law on the use of cosmetics. Although cosmetics are synonymous with women, basically cosmetics are a need for everyone which has a very broad scope. The government through the Majelis Ulama Indonesia is increasingly educating the public regarding halal cosmetics and issuing regulations related to the cosmetic industry to include halal labels as a form of protection for Muslim consumers. Although there have been many halal cosmetics on the market, this is not followed by Muslim awareness to use them. There have been many studies and discussions from previous research on cosmetic fiqh or halal cosmetics. One of them concludes that a person's religion is not a determinant in using halal cosmetics. The purpose of this study was to see the extent of academic studies or discussions about fiqh muamalah cosmetics or halal cosmetics. The research method used is a qualitative approach, namely content analysis of articles from the Google Scholar database. By mapping the themes of previous studies through literature studies. From a search on the Google Scholar database with the keywords "fiqh" and "cosmetics" or "halal cosmetics" in the period 2017 to 2022, 168 articles were found which were then selected into 38 articles that were considered still relevant to the themes discussed. Of the 38 selected articles, they have been grouped into several themes: 1) An overview of Islamic law related to make-up and the use of cosmetics. 2) Halal Labeling and Interest in Cosmetics. 3) Cosmetics business in Islamic Business Ethics.
ANALISIS PANERAPAN MEKANISME AKAD MURABAHAH PADA PEMBIAYAAN MULTIGUNA KONSUMTIF DI PT BANK SUMUT SYARIAH KCP PANYABUNGAN Nursantri Yanti; Silvia Fransiska
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.317

Abstract

The formulation of the problem in this study is "How is the application and mechanism of the murabaha contract on consumptive multi-purpose financing at PT Bank SUMUT Panyabungan Syariah Sub-Branch Office. This research focuses on the application and mechanism of the murabahah contract on consumptive multipurpose financing at PT Bank SUMUT Syariah Sub-Branch Office Panyabungan and to find out whether the application and mechanism of the murabahah contract on consumptive multipurpose financing are adjusted. This qualitative research uses primary and secondary data. Primary data was obtained from interviews with staff in the accounting department at the bank. The results show that the application of the murabahah contract in consumptive multipurpose financing at PT Bank SUMUT Syariah Sub-Branch Office Panyabungan has not been fully implemented in accordance with the requirements. There are two points that are not in line, namely "the customer's lack of knowledge about the contract to be made and the lack of incomplete files when making a contract". Because customers do not understand and understand Islamic finance, PT Bank SUMUT Syariah Sub-Branch Office Panyabungan has not fully implemented the provisions of the fatwa.
Konsep Penerapan Pembiayaan Murabahah Pada bank Sumut Syariah KCP Rantau Prapat Yusra Amelia Hsb; Nursantri Yanti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.327

Abstract

This article analyzes the concepts of murabahah financing, this is done because there are still deviations in the implementation of murabahah financing, namely differences between the rules underlying murabahah financing and existing practices in the field. In this article, we compare the existing regulations with direct practical situations in the field involving several informants (practitioners and customers concerned) as well as with the support of several other supporting literature. The results of this research state that the application of murabahah in sharia banking practices is divided into three categories: The first type is consistent with muamalah fiqh. The second type is similar to the first type, but transfers ownership directly from the supplier to the customer, while the payment is made by the bank directly to the first seller/supplier and the third type is that the bank enters into a murabahah agreement with the customer, and at the same time represents (wakalah contract) to the customer for buy the things you want to buy yourself. Murabahah financing services for types 2 and 3 still need to be reviewed and re-evaluated because even though the financing is considered valid according to the Criminal Code law, it is still not valid according to Islamic law because the pillars of sale and purchase are still not fulfilled, namely ownership of the murabahah object. For this reason, researchers are developing the existing concept, namely a collaboration system between banks and suppliers.
Co-Authors Ade Vitria Adelia Azizi Adinda Arafah Admar, Ok Agam Afrian Andika Yumna Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ajeng Manjana Aldino, Imam Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Lesmana Angga Putra Suhadi Anggara, Dwi Erlanda Anggraini, Bunga Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto Budi Prianto Bunga Anggraini Dara Puspita Dedek Joefanny Della, Della Alvionita Desi Rahmawati Supraja Dhea Dinanty Dimas Azhari Dwi Septialamsyah Elsa, Nazwa Alpuja Erlina Erlina Erna Sipahutar Etika Manda Sari Rangkuti Fachry Abda El Rahman Fadila, Shintiya Fadilla Khairunnisya Siregar Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hendra Harmain Hotmaida, Hotmaida Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Indradewa, Rhian Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila Lailanur Fadillah Nasution Larah, Anggi Dwi Laylan Syafina Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah Lubis, Nurul Amaliyah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Manurung, Khoirul Ardani Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Arif Muhammad Arif Haikal Lubis Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Lathief Ilhammy Nasution Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan Muhammad Syahbudi muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Munthe, Yusromuin Mustafa Khamal Rokan Nadya Ervina Nadya Namora Hutabarat Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Natasya, Adelia NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nuraini Nuraini Nurbaiti Nurhayani Nurhayani Nuri Aslami Nurlaila Nurlaila Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Wahidah Nurwani Ongku Indramora Siregar Pakpahan, Jiyad Faqih Pulungan, Silviani Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri Dini Agustin Putri, Dinda Karunia Putri, Riri Dwita Rafika Afifah Angkat Rafli, Mhd Rahma, Tri Inda Fadhila Rahmad Syah Rizal Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Risma Warti Ritonga, Aprilia Amanda Ritonga, Dendi Dwi Ritonga, Lilis Suryani Rizki Hambali Hsb Sahri Aramiko Saidah Khairiyah Hasibuan Salman Al-faridzi Salsabila, Hana Saparuddin Siregar Sari, Della Puspita Shabira, Yusra Shintiya Fadila Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Simanjuntak, Indah Siregar, Atika Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani Sri Sudiarti Sri Sudiarti sri sudiarti sri sudiarti Sri Sudiarti Suhairi Suhairi Sulistya Ningsih, Inten Suri, Atika Susi Apriliani Syakir, Ahmad Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhda, Ahmad Sabili Yuliana Yuliana Yusra Amelia Hsb Zainarti Zuhrinal M. Nawawi Zulfa Khoiriah Zulfahani