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Pengaruh Penerapan Akad Isthisna Terhadap Minat Beli Masyarakat Di Perumahan Nakhil Garden Pawarengan Cikampek Barat Dian Rosdiana; Ahmad Ali Sopian; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.58

The need for housing is a basic need after the need for clothing and food. Housing Nakhil Garden Pawarengan Cikampek is one of the sharia property developers that provides ready-to-build residential products, using a non-bank sharia system in running their business, namely using an isthisna contract or advance reservation without any touch of usury. The purpose of this study was to determine the effect of the application of the Istishna contract on people's buying interest in the Nakhil Garden Pawarengan Cikampek housing, and to determine how much influence the application of the Istishna contract had on the public's interest in buying housing at Nakhil Garden Pawarengan Cikampek. This study uses quantitative methods, data collection is done by means of observation, interviews, distributing questionnaires and documentation respondent data. The population in this study are consumers who buy and are interested in buying housing with a sample of 40 people. The sampling technique is probability sampling using simple random sampling. The type of data used is primary data with a questionnaire data collection method. Then the analysis technique using simple linear regression data analysis. The results of this study indicate that the isthisna contract applied by Nakhil Garden housing has no effect on people's buying interest, this can be seen from the results of the regression test, namely the value of the coefficient of determination (R Square) generated is 0.187 from the correlation / relationship value ( R) of 0.432. so that it can be interpreted that the application of the Istishna contract has an influence on buying interest in Nakhil Garden Pawarengan housing by 18.7%, the remaining 81.3% is influenced by other factors not examined in this study

Implementasi Pembiayaan Ultra Mikro Berdasarkan Prinsip Syariah di KSPPS BMT Purwakarta Amanah Sejahtera (PAS) Sandi Jaelani; Imam Sucipto; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (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.v4i2.112

The purpose of this study is to determine the existing ultra-micro financing model in KSPPS BMT Purwakarta Amanah Sejahtera (PAS), and how to implement ultra-micro financing in KSPPS BMT Purwakarta Amanah Sejahtera (PAS). The type of research used is field research, while the approach used in this study is a descriptive-qualitative approach. There are two types of ultra-micro financing done at KSPPS BMT PAS, namely multi-item ultra-micro financing and multi-service ultra-micro financing. for multi-item ultra micro financing, using the Murabahah contract and its implementation is in accordance with DSN-MUI fatwa number 04 / DSN-MUI / IV / 2000 concerning Murabahah. Then for multi-service ultra micro financing using ijarah agreement in the form of wakalah, the implementation is in accordance with DSN-MUI fatwa number 09 / DSN-MUI / IV / 2000 concerning ijarah financing and DSN-MUI fatwa number 112 / DSN-MUI / IX / 2017 about the ijarah agreement. So that the implementation of ultra-micro financing in PAS BMT KSPPS is in accordance with DSN-MUI fatwa number 119 / DSN-MUI / II / 2918 regarding ultra-micro financing based on Islamic principles.

Analisis Jual Beli Golok Dengan Cara Panjar menurut Perspektif Ekonomi Syariah di PG. Binangkit Cibeureum Tanjungsiang Subang Abdul Abdul Hopid; Jalaludin jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): 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.v5i1.124

In Islam, muamalah is a form of convenience for humans to fulfill everything related to their daily needs as living beings and social beings, among the actions of the community to meet material needs is buying and selling with a down payment system, but some people still do not understand about the practice of buying and selling with a down payment system in a sharia economic perspective. This study aims to determine the sale and purchase of the down payment system according to the experts, and to find out the sharia economic review of buying and selling machetes in PG. Binangkit Cibeureum Tanjungsiang Subang. This research is a type of qualitative research with an empirical approach, the data collection techniques used are observation, interviews, and documentation. In this study, the data sources consist of primary data, namely PG managers and owners. Binangkit Kp. Cibeureum Tanjungsiang-Subang and secondary data in the form of records or archives in PG. Raise. Regarding jaul-buying using the Jurisprudence system, As-Syafi'i is of the opinion that it is invalid, based on the hadith narrated by Amru bin Shuaib which reads, "From Amru bin Shu'aib, his father and grandfather were pleased with Allah, so the Prophet said: The Prophet forbade selling- buy 'urban' (Narrated by Abu Dawud)". The understanding of As-Shafi'i fiqh is to avoid the contents of the content of Surah an-Nisa verse 29. Which reads. "O you who believe, do not eat each other's property in a vanity way, except by means of commerce, which prevails consensual among you. and do not kill yourself. Indeed, Allah is Most Merciful to you.” While the Hanbali fiqh understanding of the sale and purchase of advances is of the opinion that the sale and purchase is valid. Based on the Hadith narrated by Zaid bin Aslam and Atsar companions or the practice of the Prophet's companions, namely Umar who bought the prison building to Safwan bin Ummayyah. "The Messenger of Allah was asked about buying and selling the 'urbun system, and he allowed it." Opinions closely related in PG. Binangkit Cibeureum Tanjungsiang regarding the implementation of buying and selling machetes with a down payment system is the opinion of Hanbali fiqh where the practice of buying and selling machetes using down payment is due to the buying and selling that occurs in PG. Binangkit Cibeureum Tanjungsiang is allowed because this is to ensure the continuity of the transaction and guard against buying and selling machetes. Furthermore, a review of Islamic economics based on the results of the researcher's analysis, the sale and purchase of machetes both with the down payment system and directly in the PG. Binangkit is in accordance with sharia both from the provisions related to sighat al-aqd, the parties to the contract, Muthman/mabi '(Object), and the provisions related to Tsaman or the price

Praktek Jual Beli Barang Sistem Arisan di Desa Gardusayang Kecamatan Cisalak Kabupaten Subang Dalam Perspektif Ekonomi Syariah Rina Fitriani; Jalaludin Jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): 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.v5i1.132

This research was conducted in Gardusayang Village, Cisalak District, Subang Regency. bermuamalah is one form of convenience for humans to fulfill everything related to their daily needs as living creatures and social beings, among the actions of the community to meet material needs is social gathering, but members still do not understand the practice of buying and selling goods arisan system in Islamic economic perspective. This study aims to provide a description of the implementation of the sale and purchase of social gathering system items, a review of the sharia economy on the sale and purchase of social gathering system goods and the impact of the sale and purchase of social gathering system goods. This research is a qualitative type with an empirical approach, data collection techniques used are observation, interviews, documentation. In this study the data source consisted of primary data and secondary data. From the results of the study that the practice of buying and selling goods arisan system in the Village of Gardusayang Cisalak-Subang in the implementation of the social gathering members have been willing and agreed to accept the social gathering system made by the head of the social gathering that the members are willing to pay the social gathering according to a mutually agreed period of time. In this economic review of arisan sharia, it is permissible in Islamic Shari'a because it brings more benefits to arisan participants as a means of mutual assistance between them, so that it can have an effect or impact on improving family welfare, because through this arisan they can meet various his necessities such as buying something that might be difficult to buy if he only relied on the opinion of his family

Pengaruh Pemahaman Nasabah Pada Jenis Produk Terhadap Kelancaran Pembayaran Angsuran Di BMT Niaga Utama Purwakarta Syanti Herlinawati; Asep Dede Kurnia; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 2 (2021): 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.v5i2.188

The banking industry is currently experiencing rapid development where the main activity of financial institutions is to collect funds and channel them back to the public in the form of credit/financing. Problems that arise from the financing process are bad funds from customers as an unavoidable risk with several indicators of causes such as customer income, disasters experienced by customers, awareness and refunds from understanding the financing contract contract. This study aims to analyze the effect of customer understanding on mudharabah products, murabahah products, and murabahah products and to examine the effect of average customer understanding on payment growth at BMT Niaga Utama Purwakarta. This research was conducted by quantitative descriptive method using a sample of 34 customers from a population of 67 customers. Determination of the research sample is through a random sampling system with a Likert scale. The results of this study indicate that the customer's understanding of the mudharabah product is stated to be significant for payment payments with a value of rcount (0.84) > rtable (0.648), while the customer's understanding of the musyarakah product is stated to have no significant effect on payment performance with a value of rcount (0.697) < rtable (0.738). As for the influence of customer understanding of the value of murabahah products, the sig. (2-tailed) number is 0.000 which is smaller than the level of significant (α) 5% and is declared significant. While the effect of the known average value of Ucount = 22 > Utable 17 shows that there is no difference between understanding the product of mudharabah, musyarakah and murabahah on installment payments.

Analisis Persepsi Masyarakat Terhadap Perbankan Syariah di Desa Maracang Kabupaten Purwakarta Salma Fauziah; Jalaludin Jalaludin; Ahmad Ali Sopian
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.349

As a people of Maracang Village, the increase in Islamic bank institutions in Maracang Village has no effect at all on people's interest in saving at Islamic banks. It is caused by the lack of public knowledge of Islamic banking institutions. This study aims to determine the object of perception of the Maracang village community towards Islamic banking, to determine the sensory tools of the Maracang village community's perception of Islamic banking, and to determine the attention of the Maracang village community on Islamic banking products. This type of research is field research or case study with a qualitative descriptive approach. The data collection technique was done by triangulation (combined). The result showed that the people in Maracang Village still did not have an interest in saving at Islamic banks because of the objects, senses and people's attention to Islamic banking institutions. In terms of objects, most of them did not know all the aspects that exist in Islamic banks; it’s about savings and financing products, also the unstrategic locations of the bank. They thought that services at conventional banks were still better than Islamic banks. In terms of senses of society, the services of Islamic banks were inadequate, the human resources were not good. The objects and sense of people of Maracang Village to the perception of Islamic banking affected the bad attention.

Analisis Jual Beli Keramik Hias Dalam Perspektif Ekonomi Syariah (Studi Kasus Pada UPTD Pengembangan Keramik Hias Di Desa Anjun Kecamatan Plered Purwakarta) Anis Septyria Aryani; Jalaludin Jalaludin; Asep Dede Kurnia
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 1 (2022): 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.v6i1.403

Keramik hias merupakan kerajinan seni yang sudah ada sejak zaman dahulu. Keramik hias merupakan salah satu komoditas di Indonesia yang begitu besar peluang usahanya dan memiliki nilai seni budaya yang tinggi. Banyaknya masyarakat di daerah Anjun Purwakarta yang berprofesi sebagai penjual dan pengrajin keramik hias, dengan lingkungan yang agamis dan latar pendidikan agama Islam yang kental, namun tidak semua pelaku usaha memahami perdagangan yang sesuai dengan dasar-dasar muamalah. Sehingga memungkinkan pelaku usaha untuk bisa melakukan tindakan yang dilarang dalam perdagangan. Tujuan penelitian untuk mengetahui praktek jual beli keramik hias di UPTD Pengembangan Keramik Hias Anjun Plered Purwakarta, untuk mengetahui perspektif ekonomi syariah terhadap praktek jual beli keramik hias di UPTD Pengembangan Keramik Hias Anjun Plered Purwakarta, dan untuk mengetahui manfaat sistem jual beli keramik hias di UPTD Pengembangan Keramik Hias Anjun Plered Purwakarta. Metode penelitian yang digunakan pada penelitian ini adalah bersifat deskriptif-kualitatif. Hasil penelitian ini dapat disimpulkan bahwa praktek jual beli keramik hias bisa dilakukan dengan dua cara yaitu pertama, pembeli bisa langsung datang ke tempat penjualan atau bisa menghubungi nomor penjual secara langsung. Kedua, pembeli bisa menghubungi UPTD Pengembangan Keramik Hias di desa Anjun untuk melakukan pemesanan keramik hias yang nantinya dari pihak UPTD akan disampaikan atau dipesankan kembali kepada penjual atau pengrajin keramik hias. Praktek jual beli keramik hias di UPTD Pengembangan Keramik Hias Desa Anjun Kecamatan Plered Kabupaten Purwakarta dalam perspktif ekonomi syariah sudah sesuai dengan rukun dan syaratnya. Karena terlihat semua indicator rukun dan syarat jual beli muthlaq (langsung), salam dan istishna sudah terpenuhi. Sistem pemesanan keramik hias dibagi menjadi 2 yakni jual beli istishna’ dan salam. Manfaat adanya praktek jual beli yang ada di UPTD Pengembangan Keramik Hias desa Anjun Kecamatan Plered Kabupaten Purwakarta bisa menciptakan lapangan pekerjaan dalam industri keramik hias. Selain itu, bisa mempertahankan peninggalan kebudayaan sejak zaman dahulu, sehingga dapat melahirkan generasi-generasi baru para pengrajin keramik hias. Manfaat bagi pembeli bisa mendapatkan harga yang lebih murah jika membeli lebih banyak dan menjadi sarana edukasi wisata bagi wisata lokal dan domestik.

Manajemen Risiko Investasi Pada Perbankan Syariah Di Indonesia Adia Nur Fadilah; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 3 No 1 (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.v3i1.42

Dalam dunia keuangan tentu resiko investasi harus diperhatikan para investor sebelum mengambil keputusan agar tidak mengalami kerugian.Pengertian resiko investasi juga perlu dipelajari dan dipahami para penanam modal agar investor tidak merasa tertipu dan yakin dengan ‘untung-rugi’ saat memilih jenis usaha yang kan diinvest kemudian dapat mengambil hikmah dari usaha yg dijalankan.Untuk Teknis dari manajemen resiko investasi akan kita bahas dibawah nanti.Selain pemahaman resiko investasi, Tahapan berinvestasi juga dapat diketahui dari lembaga keuangan yang investor pilih.Untuk itu tanyakanlah tahapan tahapan berinvestasi sebelum anda mengucurkan dana.Salah satu jenis investasi yang menarik untuk dilirik para investor adalah peer-to-peer.Berbeda dengan cara pembiayaan tradisional, Peer-to-peer (P2P) lending menggunakan teknologi lending marketplace dan scoring. Yang dengannya investasi resiko menjadi terukur dan bagus bagi investor.Dana yang nantinya telah dikumpulkan akan disalurkan untuk para pengusaha mikro dan UKM yang memerlukan pembiayaan dengan para investor yang ingin mendanai usaha tersebut.Investor yang telah menanamkan dananya dengan sistem peer-to-peer lending tidak perlu khawatir akan resiko investasi. Karena nantinya para investor akan mendapatkan imbal hasil yang sesuai berdasarkan pertimbangan profil resiko investasi.

Analisis ROA, ROE dan FDR Terhadap Kinerja Keuangan Pada PT. BPRS Harta Insan Karimah Parahyangan Pada Periode Maret 2019-Juni 2020 Devi Silfia; Jalaludin Jalaludin; Wenny Marlini; Agung Tripramudi
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 2 (2022): 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.v6i2.409

Kinerja keuangan merupakan prestasi kerja yang telah dicapai oleh lembaga dalam suatu periode tertentu dan tertuang pada laporan keuangan lembaga yang bersangkutan. Analisis rasio merupakan cara yang biasa digunakan untuk menganalisis kinerja keuangan suatu bank, menjelaskan kondisi kesehatan suatu lembaga keuangan dalam hal ini BPRS HIK Parahyangan. Penelitian ini dilatarbelakangi oleh pendapatan, total asset, total pembiayaan dan jumlah dana pihak ketiga BPRS HIK Parahyangan mengalami kenaikan dan penurunan pada setiap triwulannya. Tujuan penelitian ini untuk mengetahui Return On Asset (ROA) BPRS HIK Parahyangan pada Triwulan Tahun 2019 Sampai Triwulan II Tahun 2020, untuk mengetahui Return On Equity (ROE) BPRS HIK Parahyangan pada Triwulan Tahun 2019 Sampai Triwulan II Tahun 2020, dan untuk mengetahui Financing to Deposit Ratio (FDR) BPRS HIK Parahyangan pada Triwulan Tahun 2019 Sampai Triwulan II Tahun 2020. Metode penelitian yang digunakan menggunakan metode analisis deskriptif dengan pendekatan kualitatif. Hasil penelitian dapat disimpulkan bahwa pertama kondisi rasio ROA BPRS HIK Parahyangan pada Triwulan Tahun 2019 Sampai Triwulan II Tahun 2020 dalam kondisi cukup sehat dan sangat sehat, karena angka rasio yang dihasilkan setiap triwulannya berada dikisaran 0,7%-1,24% dan berada diatas angka standar yaitu 0,5%-1,5%. Kedua, kondisi rasio ROE BPRS HIK Parahyangan pada Triwulan Tahun 2019 Sampai Triwulan II Tahun 2020 dalam kondisi sangat sehat, karena angka rasio yang dihasilkan setiap triwulannya berada diatas kisaran 15%. Ketiga, kondisi rasio FDR BPRS HIK Parahyangan pada Triwulan Tahun 2019 Sampai Triwulan II Tahun 2020 dalam kondisi sangat kurang sehat, karena angka rasio yang dihasilkan setiap triwulannya berada diatas kisaran 120%.

Analisis Rasio Profitabilitas Dalam Mengukur Kinerja Keuangan Pada Bank Syariah Mandiri (Penelitian Tentang Return On Asset, Return on Equity, Gross profit margin dan Net Profit Margin pada Tahun 2015–2019) Diana Novita; Jalaludin Jalaludin; Moch. Cayho Sucipto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 6 No 2 (2022): 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.v6i2.440

Financial performance is a description of the financial condition of a company in a certain period which is analyzed with financial analysis tools. In assessing the company's financial performance, usually the measure used is the ratio. This research is motivated by the results of the profit data of Bank Syariah Mandiri which decreased in 2016, while assets and operating income from 2015 to 2019 the bank experienced a significant increase, therefore the authors tried to measure the financial performance of independent Islamic banks for 5 years. year. The purpose of this study was to find out and analyze how the financial performance of Bank Syariah Mandiri during 2017-2019. The researcher analyzes the financial performance of independent Islamic banks using profitability ratios based on Return On Assets, Return on Equity, Gross Profit Margin, and Net Profit Margin, after the analysis will show the condition of the Islamic Bank's financial performance. This study uses a quantitative descriptive approach by using the measurement of profitability ratios. The data studied are in the form of financial statements of Bank Syariah Mandiri from 2015 to 2019. Based on the results of the analysis, it is concluded that the financial performance of Bank Syariah Mandiri for 5 years from 2015-2019 based on ROA is considered unhealthy, this is based on the results of the average calculation ROA for 5 years is 0.79%, below the ROA standard of 1.25%. The financial performance of Bank Syariah Mandiri for 5 years from 2015-2019 based on ROE is considered unhealthy, this is based on the results of the calculation of the average ROE for 5 years, which is 8.88%, below the ROE standard of 12.5%. The financial performance of Bank Syariah Mandiri for 5 years from 2015-2019 based on GPM is considered unhealthy, this is based on the results of the calculation of the average GPM for 5 years, which is 8.35%, below the GPM standard of 10%. The financial performance of Bank Syariah Mandiri for 5 years from 2015-2019 based on the NPM is considered healthy, this is based on the results of the calculation of the average NPM for 5 years which is 7.54%, which is in a position above the NPM standard of 5%.

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