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Kontribusi Hukum Islam dalan Proses Taqnin Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 2 No 1 (2018): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v2i1.8

Setelah dilegislasikan UU No. 10 Tahun 1998 tentang Perbankan, kemajuan lembaga perbankan syari’ah di Indonesia relatif berkembang pesat, karena kendala-kendala institusional maupun yuridis telah diatasi. Menurut hemat penulis, prinsip bagi hasil (profit and loss-sharing) sejenis mudharabah sangat cocok diterapkan pada sektor riil dan pengembangan usaha kerakyatan, karena sebenarnya sudah sangat seusai dengan pola yang diharapkan mampu me-back up industri besar yang kini mengalami tingkat persaingan yang sangat kompetitif.Bagi hasil mudharabah di bank syariah bisa dioptimalisasikan melalui berbagai langkah, antara lain adalah kesinambungan dan transparansi informasi terhadap usaha yang akan dijalankan. Informasi usaha dan pasar adalah sesuatu yang sangat penting dan berharga dalam setiap usaha. Oleh karena itu langkah ini bisa dimaksimalkan melalui database yang aktual, rinci, dan faktual, sambil terus mencari dan menemukan format usaha yang sesuai dengan iklim usaha tersebut.Langkah lainnya adalah dengan pengembangan industri-industri kecil yang dibina langsung oleh bank syariah. Industri ini benar-benar milik rakyat, prospektif, dan dikelola dengan amanah. Industrialisasi adalah salah satu kunci penting bagi negara kita untuk dapat survive di saat krisis seperti ini, dan melatih bangsa kita menjadi bangsa yang mandiri.Langkah terakhir yang perlu segera ditindaklakjuti adalah membuat aturan dan regulasi yang tepat, terstandarisasi dan sesuai dengan prinsip syariah. Umat Islam sangat berharap legalisasi produk bank syariah bisa dipertimbangkan oleh DPR dan pemerintah untuk menjadi hukum yang positif. Aturan ini nantinya menjadi payung yang sah terhadap gerak-gerik pelaksanaan pembiayaan mudharabah terhadap industri-industri kecil.Mudah-mudahan semakin banyak pihak yang memahami pentingnya prinsip bagi hasil (profit and loss-sharing) dalam memainkan peranannya pada setiap pembiayaan usaha di Bank Syariah. Jika ini berhasil dilakukan, maka sektor riil dapat berkembang pesat dan negara kita akan memiliki industri usaha yang kuat. Pada akhirnya, ini diharapkan dapat mengatasi berbagai permasalahan ekonomi yang kini melanda di negara kita, karena sesungguhnya prinsip bagi hasil (profit and loss-sharing) adalah pola yang tepat dalam pengembangan sektor riil di negara kita.

Pelaksanaan Akad Mudharabah Pada Pembiayaan Modal Usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Kecamatan Sagalaherang Kabupaten Subang Siti Rahmah Ramadhan; Jalaludin Jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v3i2.73

Artikel ini membahas tentang pelaksanaan akad mudharabah pada pembiayaan modal usaha di Koperasi Dewan Kemakmuran Masjid Desa Cicadas Kecamatan Sagalaherang Kabupaten Subang. Tujuan dari penelitian ini adalah untuk mengetahui pelaksanaan akad mudharabah pada pembiayaan modal usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas, mengetahui penentuan bagi hasil di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas, dan untuk mengetahui dampak dari pelaksanaan pembiayaan Akad Mudharabah pada Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas. Metode penelitian yang digunakan adalah penelitian kualitatif dengan pendekatan empiris. Teknik pengumpulan data yang digunakan adalah observasi, wawancara, dan dokumentasi. Dalam penelitian ini, sumber data terdiri dari Data Primer dan Data Sekunder. Data Primer diperoleh dari hasil lapangan dengan cara observasi dan wawancara langsung dengan Ketua Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas. Data sekunder diperoleh dari berbagai referensi, seperti sumber dari internet, arsip-arsip lembaga dan bacaan lain yang berhubungan dengan masalah yang diteliti. Hasil penelitian menunjukan bahwa pelaksanaan akad mudharabah pada pembiayaan modal usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas hanya menggunakan satu jenis akad pada pembiayaan mudharabah yaitu muqayyadah. Sistem bagi hasil yang diterapkan menggunakan prinsip profit sharing dengan pengembalian modal dilakukan dengan melakukan pembayaran angsuran yang dilakukan dengan jangka waktu sesuai dengan kemampuan mudharib. Dengan adanya pembiayaan tersebut mereka bisa dengan tenang menjalankan usaha yang mereka kelola tanpa adanya kekhawatiran dalam melaksanakannya, karena pembiayaan yang mereka jalankan merupakan pembiayaan yang diterapkan sesuai prinsip syariah Islam.

Analisis Tabungan Paket Lebaran Dalam Perspektif Ekonomi Syari'ah Di Desa Parung Kecamatan Subang Kabupaten Subang: Idah Hamidah Idah Hamidah Ginanjar; ahmad damiri; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v3i2.74

This article discusses the analysis of Eid package savings in sharia economy perspective in Parung Village, Subang Subdistrict, Subang Regency. The purpose of this study was to determine the contracting system used in the implementation of Eid savings packages in Parung Village Subang Subdistrict, Subang Regency, Sharia economic review of the implementation of Eid savings packages in Parung Subdistrict Subang Subang Regency, and the impact of the implementation of Eid savings packages in Parung Village Subdistrict Subang Subang Regency, the research method used is qualitative research with an empirical approach. Data collection techniques used were observation, interviews, and documentation. In this study, the data source consisted of Primary Data and Secondary Data. Primary data were obtained from the field results by direct observation and interviews with managers and members of the Eid package in Parung Village, Subang District, Subang Regency. Secondary data was obtained from various references, such as sources from the internet, institutional archives and other readings related to the problem under study. The results showed that the implementation of the Lebaran Package Savings in Parung Village, Subang Sub-District, Subang Regency using the Wadi'ah (savings) agreement as well as the Salam (package) agreement, according to the syari'ah economy this kind of transaction is invalid, because Islam forbids in one transaction there are two contracts at once. However, the presence of Eid savings packages, is very positive contribution to the community, so management should be adjusted to the principles of Islamic sharia. Among them separating savings transactions and Eid packages. Keywords — Savings, Eid Package, Islamic Economy

Pengaruh Kualitas Produk dan Harga Cat Terhadap Kepuasan Konsumen TB Adeng Jaya Kecamatan Tanjungsiang Subang Roro Rodiah Rodiah; Jalaludin Jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 2 (2019): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v3i2.75

Based on Observations in Tanjungsiang District There are several building shops that sell paint, but the majority of people buy paint at TB Adeng Jaya because there are several kinds of paint products that are sold from paint kilos, cans, to buckets. Making it easier for consumers to buy paint in accordance with what is desired. This study aims to discuss and analyze. Effect of product quality on customer satisfaction, The effect of paint prices on customer satisfaction, as well as the influence of product quality and paint prices on customer satisfaction. The effect of paint prices on customer satisfaction, as well as the influence of product quality and paint prices on customer satisfaction. The research method used is the survey method which is sourced from primary and secondary data about the quality of product X1 and the price of paint X2 on customer satisfaction Y. seen from the purpose of this study included in the research explanatory research, because it involves 3 variables that are interconnected with each other. Based on the results of testing using SPSS 26.0 software, this study can be concluded as follows,, the effect of (X1) on (Y) has a value of Tcount 9,055> Ttable 1,988 with a significance value of 0,000 <0.05 and R square value of 0.494, this shows the quality of paint products (X1) significantly influence customer satisfaction (Y) 49.4% while the remaining 50.6% is determined by other variables, the influence of (X2) on (Y) has a T-value of 2.081> Ttable 1.988 with a significance value of 0.000 <0.05, and an R Square value of 0.049, this shows that the price of paint (X2) has a significant effect on customer satisfaction (Y) of 4.9% while the remaining 95.1% is determined by other variables,and the influence of (X1) and (X2) on (Y) has a value of F count 0.330 < Ftable 3.11 with a significance value of 0.720> 0.05, and the R square value of 0.089 does not lie in the correlation interval, this shows the quality of the product (X1) and the price of paint (X2) has no effect on customer satisfaction (Y).

Keragaan Hasil Varietas Unggul Baru (Vub) Padi Sawah Lahan Sawah Tadah Hujan pada Dua Musim Tanam yang Berbeda di Kabupaten Seluma Provinsi Bengkulu Yartiwi Yartiwi; Ahmad Damiri; Irma Calista Siagian; Heryan Iswadi
Seminar Nasional Lahan Suboptimal 2018: Prosiding Seminar Nasional Lahan Suboptimal "Tantangan dan Solusi Pengembangan PAJALE dan Kela
Publisher : Pusat Unggulan Riset Pengembangan Lahan Suboptimal (PUR-PLSO) Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (576.147 KB)

Yartiwi et al, 2019.The Diversity of New Superior Variety (Vub) of Rice at Rainfed Land in Two Different Seasons in Seluma District, Bengkulu Province. pp. 216-224.The planting season is one of the factors influencing the yield in the cultivation of rice plant, the use of new adaptive superior varieties is one of the technologies to increase the productivity of paddy rice. The purpose of the study was to see the growth viability and the results of several new improved varieties of paddy fields on rainfed land planted in two different planting seasons in Seluma Regency, Bengkulu Province. This study was conducted in Karang Dapo Village, Semidang Alas Maras District, Seluma Regency, from April to December 2017. The assessment was carried out using a Randomized Block Design (RBD) with 2 factors. The first factor is the treatment of variety (V) which consists of 4 levels of treatment. The second factor is the planting season (MT), which consists of 2 levels, resulting in 8 treatment combinations. Each treatment combination was repeated 3 times. Number of plants sample 10 plants / replications. Analysis carried out on quantitative data observations from vegetative and generative growth component variables using the F test at the level of 5%. If there are significant differences between treatments, further testing is carried out with the LSD test at 5% level. The results of the research showed that in the rainy season the production was higher compared to the results in the dry season, seen from the performance of growth and yield obtained by Inpari 39, 41 and Situbagendit varieties which were more adaptive compared to existing varieties.

Pertumbuhan dan Hasil Beberapa Varietas Jagung Hibrida pada Sistem Tanam Berbeda di Kabupaten Bengkulu Utara Yartiwi Yartiwi; Yulie Oktavia; Ahmad Damiri; Irma Calista
Seminar Nasional Lahan Suboptimal 2018: Prosiding Seminar Nasional Lahan Suboptimal "Tantangan dan Solusi Pengembangan PAJALE dan Kela
Publisher : Pusat Unggulan Riset Pengembangan Lahan Suboptimal (PUR-PLSO) Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (528.377 KB)

Yartiwi et al, 2019. Growth and Results of Several Hybrid Corn Varieties in Different Planting Systems in North Bengkulu Regency. pp. 37-42.Corn is one of the agricultural commodities of food crops that have an important role in national development. The purpose of the research was to see the growth viability and the results of several hybrid corn varieties on different planting systems in North Bengkulu Regency. This study was conducted in Yogyabaru Village, Kerkap District, North Bengkulu Regency from April to July 2016. The assessment was carried out using a Randomized Block Design (RBD) with 2 factors. The first factor is the treatment of variety (V) which consists of 3 levels of treatment. The second factor is the spacing (JT) which consists of 2 levels, so that 6 treatment combinations are obtained. Each treatment combination was repeated 5 times. Number of plants sample 10 plants / replications. Analysis carried out on quantitative data observations from vegetative and generative growth component variables using the F test at the level of 5%. If there are significant differences between treatments, further testing is carried out with the LSD test at 5% level. The results of the research showed the length of the cob and the dry seed yield of corn plants of Bisi 18 variety planted with legowo systems is highest compared to Bima 19 Uri and Bima 20 Uri varieties with the tegel planting system.

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