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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Ahmad Damiri
UIN Sunan Gunung Djati Bandung
Economics, Econometrics & Finance

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Penerapan Akad Murabahah pada Produk MULIA di Pegadaian Jalancagak Menurut Perspektif Ekonomi Syariah Raden Andriana Meirani; Ahmad Damiri; Jalaludin Jalaludin
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.v4i1.69

Abstract

This research was conducted at Pegadaian Jalancagak Subang Regency. Pegadaian is one of the financial institutions that offers Logam Mulia investment services, one of which is called MULIA (Murabahah Logam Mulia For Abadi Investment). Product Mulia is a financing offer to customers for the purchase of gold bars produced by PT. Aneka Tambang (ANTAM). This study aims to determine how MULIA product provisions, the application of the murabaha contract on MULIA products and the impact of MULIA products for pawnshops and the community. This type of research is qualitative using descriptive analysis method. Data sources used include primary and secondary data. From the results of the discussion the researchers found that there were several provisions in the application of the MULIA product murabahah in Pegadaian Jalancagak that were not in accordance with the provisions of the Shari'a, including; first concerning the object of the contract or Marhun which was not raised or did not exist during the contract. Second, the sanctions that are permitted according to the Shari'a are applicable to customers who are capable but neglect or postpone delay of payment but do not apply to customers who are truly unable to pay, but in its application at Jalancagak pawnshop requires all customers to receive sanctions or pay fines if unable pay without exception. Third, in the application of sanctions / fines regarding funds generated from fines input as corporate income, which according to Shari'a provisions should be intended for social funds
Pengelolaan Wakaf Produktif Tanah Sawah Di Yayasan Islam Pondok Pesantren Miftahul Jannah Jatibaru Kecamatan Jatisari Karawang Tetep Komarudin; Ahmad Damiri; Jalaludin Jalaludin
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.v4i1.93

Abstract

The purpose of this researech is to find out how the productive waqf management system of paddy land at the islamic fondation Miftahul Jannah Islamic Boarding School in Jatibaru District Jatisari Karawang, and how the distribution of results from productive waqf management of paddy land at the islamic fondation Miftahul Jannah Islamic Boarding School. Type of research used is field research, us for the approach used in this study is a descriptive-qualitative approach. Nadzir as the manager of waqf in the form of protecting waqf assets, nadzir made the Akta Ikrar Wakaf (AIW) to PPAIW so that have legal power in accordance with statutory regulation. In its management, nadzir uses the anual rental system (long-term rental model and hukr), in principle the payment is direct or cash for year. Waqf manager has never reported the management of waqf to the government or related parties because it does not understand the path or procedures for reporting. Management pattern is still included in the traditional consumptive waqf management pattern. The results of the management of waqf land are approved for boarding operation and for boarding improvements or revairs in school hostels, with a 50% share for the repairs or renovations of boarding schools and 50% for operational costs. Operational cost are divided 75% for the honorarium of the teacher council and 25% for the need of the ATK (Office Stationery).
Implementasi Akad Murabahah Dan Rahn Pada Produk Cicil Emas Di Bank Syari’ah Mandiri Kantor Cabang Pembantu Subang Ai Siti Nurjadidah; Jalaludin; Ahmad Damiri
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.v4i2.122

Abstract

This article was conducted with the aim to find out the murabahah and Rahn contract systems for the Gold Installment financing product, implementation of murabahah financing contract and rahn contract on Gold Installment financing products at Bank Syari’ah Mandiri KCP Subang and Benefits of the implementation of murabahah and rahn contracts in gold installment financing products at Bank Syariah Mandiri KCP Subang Sub-Branch Bank in 2019 descriptive method with qualitative data types. Data collection techniques are done by observation, interviews, and documentation studies. The primary sources are BSM Subang KCP employees, and Subang KSM BSM documents relating to the gold installment payment. Secondary data in the form of books about shariah economics, the internet, and other data that support this thesis. The results showed that the implementation of the gold installment product system in Subang KCP BSM was in accordance with Islamic shariah teachings. The problem that occurs is the lack of promotion or socialization held by the BSM regarding this gold installment product. The advice given to fix the problem faced is the need for various ways such as socialization with customers, because after researching the product in accordance with Islamic sharia. Keywords: Murabahah contract, Rahn contract, Gold installment
Co-Authors Ai Siti Nurjadidah Jalaludin Jalaludin Jalaludin Raden Andriana Meirani Tetep Komarudin