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PERILAKU NASABAH DEPOSITO MUDHARABAH TERHADAP BI RATE DAN BAGI HASIL DI BANK MUAMALAT INDONESIA KANTOR CABANG PEMBANTU METRO Suci Hayati
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 1 No 2 (2018): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Perkembangan perekonomian suatu negara bisa dilihat dari keberadaan lembaga keuangannya, karena lembaga keuangan mempunyai peranan penting terhadap perkembangan perekonomian. Nilai BI rate turun, perbankan konvensional akan menurunkan suku bunganya. Biasanya penurunan dimulai dari tingkat suku bunga dana pihak ketiga kemudian diikuti dengan tingkat suku bunga kredit. Kalau BI rate naik, beberapa bank konvensional menaikkan suku bunganya. Sedangkan bank syariah tidak bisa menaikkan suku bunga karena bank syariah menggunaka sistem bagi hasil, seberapa besar keuntungan dana pihak ketiga sangat tergantung pada seberapa besar bank mendapatkan keuntungan dari pembiayaannya. Jenis penilitian ini penelitian field research, sifat penelitian deskriptif kualitatif yaitu menggambarkan sifat sesuatu yang berlangsung pada saat penelitian. Sumber data yang digunakan adalah sumber data primer dan sumber data skunder.. Teknik pengumpulan data menggunakan wawancara, dan dokumentasi. Teknik penjamin keabsahan datanya dengan triangulasi sumber dan triangulasi teknik. Analisis datanya yang digunakan induktif yaitu menyusun secara sistematis data dari hasil wawancara, catatan lapangan, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa 1) Prilaku nasabah deposito mudharabah BMI KCP Metro tidak berminat memindahkan dananya di bank konvensional pada saat tingkat suku bunga mengalami kenaikan. Prilaku nasabah BMI KCP Metro tidak sejalan dengan teori yang mengatakan bahwa tingginya minat nasabah mendepositokan dananya seiring sejalan dengan tingkat bunga. 2) Perilaku dipengaruhi faktor keuntungan yang diperoleh nasabah sesuai dengan pendapatan bank, dana dapat diambil sewaktu-waktu dengan sanksi yang sangat kecil, ingin terhindar dari riba, dana yang disimpan diputar dalam sektor riil, dan adanya kedekatan personal dan hubungan yang baik yang bisa membangun trust antara nasabah dan BMI. Prilaku nasabah bukan hanya dipengaruhi oleh aspek keuntungan saja namun adanya aspek spiritualitas nyaman karena sejalan dengan nilai-nilai Islam.

PERLINDUNGAN KONSUMEN DALAM JUAL BELI BARANG BEKAS TINJAUAN HUKUM EKONOMI SYARIAH suci hayati
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2019): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v7i2.1784

Jual beli barang bekas merupakan salah satu bentuk transaksi yang banyk dilakukan oleh masyarakat modern. Persoalan kejujuran dan kepedualian pemilki barang (penjual) terhadap kondisi barang acap kali menjadi penyebab kegaduhan transaksi yang dilakukan. Bentuk ketidakadilan yang lumrah terjadi ada pada prosesi akad, yaitu kuatnya unsur gharar dan taghrir dalam prosesi akad. Namun upaya menjadikan kejujuran di atas segalanya dan memberikan hak khiyar pada pembeli menjadi solusi bijak dalam mengentaskan persoalan yang umum terjadi secara masif dan repetitif dalam transaksi barang bekas. Maka upaya unrtuk meminimalisir gharar dan tahgrir sangat relevan untuk menajadi pengurai benang kusut yang menyembrawuti fikih muamalah pada umumnya. Dan juga pemberlakuan dan taat asas dari semua pihak sangat penting dalam menjamin hak-hak konsumen yang tidak hanya dari aspek gharar dan taghrir bahkan juga dalam aspek ghubun. Keberadaan Undnag-Undang Perlindungan Konsumen (UUPK) dan Kompilasi Hukum Ekonomi Syari’ah (KHES) dan fikih muamalah menjadi variabel penting dalam pencapaian dan penjagaan terhadap hak-hak konsumen.

PERLINDUNGAN KONSUMEN DALAM JUAL BELI BARANG BEKAS TINJAUAN HUKUM EKONOMI SYARIAH suci hayati
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol 7 No 2 (2019): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v7i2.1784

Jual beli barang bekas merupakan salah satu bentuk transaksi yang banyk dilakukan oleh masyarakat modern. Persoalan kejujuran dan kepedualian pemilki barang (penjual) terhadap kondisi barang acap kali menjadi penyebab kegaduhan transaksi yang dilakukan. Bentuk ketidakadilan yang lumrah terjadi ada pada prosesi akad, yaitu kuatnya unsur gharar dan taghrir dalam prosesi akad. Namun upaya menjadikan kejujuran di atas segalanya dan memberikan hak khiyar pada pembeli menjadi solusi bijak dalam mengentaskan persoalan yang umum terjadi secara masif dan repetitif dalam transaksi barang bekas. Maka upaya unrtuk meminimalisir gharar dan tahgrir sangat relevan untuk menajadi pengurai benang kusut yang menyembrawuti fikih muamalah pada umumnya. Dan juga pemberlakuan dan taat asas dari semua pihak sangat penting dalam menjamin hak-hak konsumen yang tidak hanya dari aspek gharar dan taghrir bahkan juga dalam aspek ghubun. Keberadaan Undnag-Undang Perlindungan Konsumen (UUPK) dan Kompilasi Hukum Ekonomi Syari’ah (KHES) dan fikih muamalah menjadi variabel penting dalam pencapaian dan penjagaan terhadap hak-hak konsumen.

Praktik Jual Beli Pada Marketplace Shopee Dan Perlindungan Hukum Bagi Konsumen husnul fatarib; Suci Hayati
Istinbath : Jurnal Hukum Vol 17 No 2 (2020): Istinbath : Jurnal Hukum
Publisher : Institut Agama Islam Negeri Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/ijh.v17i2.2766

The practice of buying and selling in the modern era has developed so rapidly. Buying and selling which has long been done face to face. Customers simply search for the desired item on the available marketplace application, then make transactions for the desired item. As is well known, the market place is a market for all kinds of goods that can be traded. Among the many marketplace applications, one of which is Shopee in this application also provides direct buying and selling and cash payments by transfer, then there is also a sale and purchase where the payment is made when the goods are received by the buyer / paid on the spot (COD), even buying and selling is available. which is done on credit. Of the many existing transactions, transaction failures are not uncommon. This means that sometimes there are items that are not in accordance with what the buyer wants. So it becomes necessary for Shopee marketplace application developers to pay more attention to legal protection for consumers who use the Shopee application.

The Role of Small and Medium Micro Enterprises (MSMEs) In Economic Development in Bandar Lampung Suci Hayati; Husnul Fatarib
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5140

Micro, small and medium enterprises occupy a strategic position to accelerate structural changes in order to improve the standard of living of many people and are a place for joint business activities for producers and consumers. The Indonesian economy will have a strong foundation if MSMEs become the main productive and competitive actors in the national economy. The importance of the role of MSMEs, the purpose of this study is to determine the role of MSMEs and the problems faced by MSME business actors in economic development. This type of research is a case study research with a qualitative approach. Respondents in this study were SMEs in Bandar Lampung. Sources of data obtained through primary data sources and secondary data with data collection techniques using interviews, observations and documents. The data analysis technique uses research data processing by listening, selecting data, analyzing data, analyzing data and concluding results. The results of this study are that the role of MSMEs is expected to be able to expand the provision of employment opportunities, make a significant contribution to economic growth, and evenly increase incomes as well as increase the competitiveness and resilience of the national economy. The problems faced by MSMEs include declining sales/demand, difficulty and high cost of raw materials, hampered operational distribution, capitalization, and hampered production. Suggestions in this study are that micro and small businesses are expected to be able to adapt to current technology in increasing product competitiveness and optimizing the potential of financial institutions that can be an alternative source of funds for rural MSMEs.

Penerapan Pendekatan Project Based Learning dalam Pembelajaran Matematika Sekolah Dasar pada Mahasiswa PGSD FKIP Universitas Jambi Semester Ganjil 2021/2022 Violita Zahyuni; Yantoro Yantoro; Suci Hayati
Jurnal Ilmiah Wahana Pendidikan Vol 7 No 8 (2021): Jurnal Ilmiah Wahana Pendidikan
Publisher : Peneliti.net

Taking into account its unique and comprehensive characteristics, the Project Based Learning model has the potential to meet the demands of students' mathematics learning in elementary mathematics learning. Project Based Learning model helps students in learning. This research is using Classroom Action Research (CAR). Classroom Action Research is a research that describes the occurrence as a cause and effect of the treatment, as well as describes what happens when the treatment is given. In this study, the project based learning model is expected to be a solution and innovation in the learning process that has characteristics and provides problems or asks the urgency of competencies to be studied for a prospective elementary school teacher to students, facilitating students to design a process to determine solutions to problems. or challenges posed, and facilitate students collaboratively in unliterating students to take responsibility for accessing and managing information to solve problems.

PERILAKU NASABAH DEPOSITO MUDHARABAH TERHADAP BI RATE DAN BAGI HASIL DI BANK MUAMALAT INDONESIA KANTOR CABANG PEMBANTU METRO Suci Hayati
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 1 No 2 (2018): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v1i2.1261

Perkembangan perekonomian suatu negara bisa dilihat dari keberadaan lembaga keuangannya, karena lembaga keuangan mempunyai peranan penting terhadap perkembangan perekonomian. Nilai BI rate turun, perbankan konvensional akan menurunkan suku bunganya. Biasanya penurunan dimulai dari tingkat suku bunga dana pihak ketiga kemudian diikuti dengan tingkat suku bunga kredit. Kalau BI rate naik, beberapa bank konvensional menaikkan suku bunganya. Sedangkan bank syariah tidak bisa menaikkan suku bunga karena bank syariah menggunaka sistem bagi hasil, seberapa besar keuntungan dana pihak ketiga sangat tergantung pada seberapa besar bank mendapatkan keuntungan dari pembiayaannya. Jenis penilitian ini penelitian field research, sifat penelitian deskriptif kualitatif yaitu menggambarkan sifat sesuatu yang berlangsung pada saat penelitian. Sumber data yang digunakan adalah sumber data primer dan sumber data skunder.. Teknik pengumpulan data menggunakan wawancara, dan dokumentasi. Teknik penjamin keabsahan datanya dengan triangulasi sumber dan triangulasi teknik. Analisis datanya yang digunakan induktif yaitu menyusun secara sistematis data dari hasil wawancara, catatan lapangan, dan dokumentasi. Hasil penelitian ini menunjukkan bahwa 1) Prilaku nasabah deposito mudharabah BMI KCP Metro tidak berminat memindahkan dananya di bank konvensional pada saat tingkat suku bunga mengalami kenaikan. Prilaku nasabah BMI KCP Metro tidak sejalan dengan teori yang mengatakan bahwa tingginya minat nasabah mendepositokan dananya seiring sejalan dengan tingkat bunga. 2) Perilaku dipengaruhi faktor keuntungan yang diperoleh nasabah sesuai dengan pendapatan bank, dana dapat diambil sewaktu-waktu dengan sanksi yang sangat kecil, ingin terhindar dari riba, dana yang disimpan diputar dalam sektor riil, dan adanya kedekatan personal dan hubungan yang baik yang bisa membangun trust antara nasabah dan BMI. Prilaku nasabah bukan hanya dipengaruhi oleh aspek keuntungan saja namun adanya aspek spiritualitas nyaman karena sejalan dengan nilai-nilai Islam.

Meningkatkan Hasil Belajar Siswa Pada Materi Organ Gerak Hewan Pada Mata Pelajaran IPA dengan Menggunakan Media Gambar Pada Siswa Kelas V SDN Sukamulya Kabupaten Pandeglang Suci Hayati; Rifki Arif Nugraha; Yeni Sulaeman; Ade Farid
KRAKATAU (Indonesian of Multidisciplinary Journals) Vol. 1 No. 1 (2023): Agustus
Publisher : Desanta Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar

ABSTRACT The method used in this research is collaborative classroom action research (PTK). Researchers collaborate with teachers to plan, identify, observe and implement the actions that have been designed. The research design used is a spiral system classroom action research using the Hopkins and John Eliot model which begins with preliminary action then continues with planning, action, observation and reflection. The research was carried out in 2 cycles. The research was carried out at SDN Sukamulya, Mekarjaya District, Pandeglang Regency. The samples selected for this research were 25 grade 5 students, consisting of 11 boys and 14 girls. In this research, there were several stages carried out from pre-cycle research, cycle I, and cycle II The results of this research show that in pre-cycle conditions, 1,140 students completed their studies, around 20% of 25 students with a class average of 45.6. After carrying out activities in cycle I, the number of students who completed their studies became 1920 students out of 25 students or around 76% with an average score of 76.8. In cycle II, it was discovered that there were 22 students out of 25 students who had successfully completed their studies, with obtained an average score of 79.2 with a completion percentage of 88% and can be said to be successful. The increase in student learning outcomes in Natural Sciences subjects, animal movement organs, is motivated by the use of effective and fun learning media so that it can motivate students' interest in learning to be even better. The learning media used is image media. Keywords: Student learning outcomes, science lessons, material on animal movement organs, image media.

UANG DALAM DUA DUNIA: PRAKTIK DAN PEMAKNAAN DALAM EKONOMI KONVENSIONAL DAN ISLAM Intan Aulia Denada; Nuraini; Zakky Al Hussainy; Suci Hayati
Jurnal Ekonomi dan Bisnis Vol. 3 No. 6 (2025): JUNI
Publisher : ADISAM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar

Money is a fundamental element in the economic system that influences individual behavior, economic policy and social order. This article aims to compare the practice and meaning of money in conventional economics and Islamic economics. In conventional economics, money not only functions as a medium of exchange but also as a commodity that can be traded and speculated on, thus opening up space for usury practices and inequality in distribution. Meanwhile, Islamic economics views money as a medium of exchange that must be used productively and must not generate profits from the money itself. A descriptive qualitative approach is used through literature studies to examine the philosophical foundations and practical implications of the two systems. The results of the study show that Islamic economics emphasizes justice, balance and blessings in the use of money, in contrast to the materialistic approach in the conventional system

ANALISIS KONSEPTUAL TERHADAP FONDASI EKONOMI MAKRO ISLAM: STUDI LITERATUR Randi Muhammad Irawan; Ronal Jusupan Maulana; Suci Hayati
Jurnal Ekonomi dan Bisnis Vol. 3 No. 4 (2025): APRIL
Publisher : ADISAM PUBLISHER

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This study aims to conceptually analyse the foundations of macroeconomics from an Islamic perspective through a library research approach. Islamic macroeconomics is part of the Islamic economic system that emphasises the values of justice, balance, and holistic welfare (falah) for the people. Unlike conventional economics, which is oriented towards growth and efficiency alone, Islamic economics incorporates moral, social, and spiritual elements into economic management. This study found that basic principles such as the prohibition of usury, fair distribution of wealth, and the importance of the state's role in maintaining economic balance are the main foundations of Islamic macroeconomics. Additionally, instruments such as zakat, infak, sedekah, wakaf, and baitul mal play a crucial role in creating a just and sustainable economic system. The findings of this study are expected to enrich the body of knowledge in Islamic economics and serve as a foundation for further applied research.

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