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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Moch. Cahyo Sucipto
STIES indonesia Purwakarta
Economics, Econometrics & Finance

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Analisis Minat Masyarakat Dalam Berinvestasi Dinar Di Gerai Dinar Purwakarta Moch. Cahyo Sucipto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 2 No 2 (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.v2i2.49

Abstract

The purpose of this study was to determine the effect of public interest in dinar investment. In this study, the object of the research was the Purwakarta Dinar Outlet. This research was included in the descriptive study. Primary data collection through questionnaires by determining samples using Non Probability Convenience Sampling technique. Data analysis techniques used in this research data are data validity, data correlation, and data normality. While the test design uses simple linear regression data analysis, correlation coefficient, and determination coefficient. The results of the study show that the interest of the community has a significant effect on dinar investment. This is seen from the results of the submission of a hypothesis where the t count value is 6.475> t table -, 195. With a significant level is 0.000 less than 0.05. The correlation coefficient value is 0.866 and the coefficient of determination = 75.1% and the remaining 24.9% is influenced by factors other than interest.
Analisis Pengelolaan Dana Tabarru (Asuransi Jiwa Syariah) dalam Produk Pembiyaaan di BMT Mardhatillah Berkah Karawang Dodi Hermawan; Asep Dede Kurnia; Moch. Cahyo Sucipto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 1 (2020): 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.v4i1.106

Abstract

Non-bank Islamic financial institutions such as BMT must be able to conduct a good financing risk management system so that the risks that occur can be minimized, while the efforts made by BMT Mardhatillah Berkah Karawang in minimizing it by charging each member who is doing Financing by paying Tabarru funds and that paid only once when members make funding disbursements. The purpose of this study is to determine the management of Tabarru funds in Financing Products at BMT Mardhatillah Berkah and to determine the implementation of the Tabarru contract which was carried out at the time of financing. Tabarru ’can be interpreted as donations, grants, benevolent funds, or alms. Whereas those who make donations are called mutabarri or generous. Based on the research results of each member who conducts Financing at BMT, Be it Murabahah, Mudharabah, and Rahn Financing, there will be Tabarru Funds that must be paid at the time of Funding Disbursement where Tabarru funds will be used to help each other or bear one another if there is a risk of death among BMT members. In the Tabarru contract, the Member gives a grant which will be used to help other BMT Members who experience an accident or an event that is outside of human will, so that the funds are separated from other funds.
Procedure for Maintenance of Collateral Goods in the Sharia Economic Perspective in the Subang Branch Pawnshop Ida Rosdiana; Rina Nurhayati; Moch. Cahyo Sucipto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 1 (2020): 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.v4i1.123

Abstract

Artikel ini membahas tentang pemeliharaan barang jaminan yang merupakan biaya yang dibebankan kepada rahin/nasabah untuk menjaga dan merawat barang jaminan agar tidak hilang dan pada saat dikembalikan sama seperti yang diterima. Jumlah dari biaya yang dibebankan tersebut ditentukan berdasarkan nilai taksiran barang jaminan dan dalam jangka waktu yang ditentukan pada saat akad. Tujuan dari penelitian ini adalah untuk mengetahui aturan pelaksanaan pemeliharaan barang jamian dan untuk mengetahui pelaksanaan pemeliharaan barang jaminan di Pegadaian Cabang Subang. Dan tinjauan ekonomi syariah tentang pelaksanaan pemeliharaan barang jaminan. Metode penelitian yang digunakan adalah metode deskriptif kualitatif yaitu penelitian yang menggambarkan serta menyajikan suatu peristiwa yang terjadi di lapangan dengan menggunakan teknik pengumpulan tringulasi data yaitu melalui observasi, wawancara, dokumentasi, dan juga penelitian kepustakaan dengan membaca buku, jurnal, artikel, website yang berkaitan dengan masalah yang akan diteliti. Hasil penelitian menunjukan bahwa pelaksanaan pemeliharaan barang jaminan di Pegadaian Cabang Subang sudah sesuai dengan fatwa maupun peraturan pemerintah. Dalam fatwa maupun peraturan pemerintah pelaksanaan pemeliharaan barang jaminan diperbolehkan. Pegadaian berhak mengenakan biaya pemeliharaan barang jaminan kepada nasabah. Akan tetapi penulis tidak menemukan aturan yang menjelaskan mengenai nilai maksimal biaya pemeliharaan barang jaminan atau berapa besar biaya pemeliharaan barang jaminan yang seharusnya ditanggung oleh rahin. Pemeliharaan barang jaminan dibebankan kepada nasabah yaitu tergantung dari kebijakan atau peraturan masing-masing perusahaan
Co-Authors Asep Dede Kurnia Ida Rosdiana Luky Adrianto Rina Nurhayati