Ahmad Damiri
Universitas Islam Negeri Sunan Gunung Djati Bandung

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Pelaksanaan Akad Mudharabah Pada Pembiayaan Modal Usaha di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Kecamatan Sagalaherang Kabupaten Subang Siti Rahmah Ramadhan; Ahmad Damiri; 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.v4i1.82

Abstract

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.
Keputusan Menjadi Nasabah Bank Muamalat KCP Purwakarta Ditinjau Dari Pengetahuan Calon Nasabah Fitri Heryani; Ahmad Damiri; 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.v4i2.98

Abstract

The perception of most people about Islamic banks is still very shallow, only limited to knowing that Islamic banks do not use interest but use a profit sharing system. So the bank muamalat kcp purwakarta is required to further increase public knowledge about Islamic banks. The higher knowledge of Islamic banks makes the higher the possibility of adopting Islamic banks. This study aims to see the extent of the influence of customer knowledge (product knowledge (X1), purchasing knowledge (X2), usage knowledge (X3)) on the decision to become a customer of Islamic banks in Purwakarta and to know and analyze how the influence of the three variables when tested together (simultaneous) of the decision to become a customer of Islamic banks in Purwakarta. This research was conducted on Bank Muamalat KCP Purwakarta customers, with a sample of 99 people taken by random sampling. Using descriptive analysis to explain research data and research descriptions, this type of research is a quantitative method. The variables to be examined in this study are the influence of product knowledge (X1), purchasing knowledge (X2), usage knowledge (X3) as the independent variable and the decision to become customers as the dependent variable (Y).Based on the results of the analysis, the research can be summarized as follows: 1). The effect of X1 on Y with a tcount 1.197<ttable 1.985, so it can show that there is no effect of X1 on Y; 2). The effect of X2 on Y with the tcount 0.894 <ttable 1.985, shows that there is no effect of X2 on Y; 3). The influence of X3 on Y with a tcount 4.618> ttable 1.985, shows that there is an influence of X3 on Y; 4). The influence of X1, X2 and X3 on Y with a Fcount 7.451> Ftable 2.70 with a significance value (sig) 0.000 <0.05, indicating an influence on the decision to become a customer of a Sharia bank (muamalat bank KCP Purwakarta). The influence of variables X1, X2 and X3 simultaneously on Y is 19.0%. While the rest is the influence of other factors not examined by researchers.
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

Abstract

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

Abstract

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
Analisis Praktek Akad Qardhul Hasan Dalam Perspektif Ekonomi Syari’ah Di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Sagalaherang Kabupaten Subang Mita Nurul Hidayati; Ahmad Damiri; Jalaludin
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.v5i1.136

Abstract

Cooperatives are generally financial institutions that accept deposits and loans for financing, by collecting funds from their members which are then channeled back to members or the general public. This study aims to analyze the application of Qardhul Hasan financing in the perspective of Islamic Economics carried out at the At-Taqwa Mosque Prosperity Council Cooperative, Cicadas Village, Sagalaherang District, Subang Regency. Qardhul Hasan has the meaning of a good loan, the Qardhul Hasan product is a financing offer to customers that will be used for micro businesses, then members return installments according to the nominal borrowed at a predetermined time, and it is very important that we examine how the implementation of Qardhul Hasan in perspective Islamic economics, because lending and borrowing is one part of our lives in the world. This study aims to find out how the provisions and implementation of the Qardhul Hasan contract, the sharia economic perspective on the Qardhul Hasan contract and the impact of the Qardhul Hasan contract on the community. This type of research is qualitative using descriptive analysis method. Sources of data used include primary and secondary data. The results of the analysis show that the implementation of the Qardhul Hasan contract at the At-Taqwa Mosque Prosperity Council Cooperative in Cicadas Village is in accordance with Islamic law. This can be seen where the cooperative provides loans without any additional. In the Qardhul Hasan contract in Cicadas Village there is non-performing financing. the factors are, first, because of the lack of direction and guidance from the cooperative. Second, because of the negligence of the members themselves. The impact that members feel is very helpful for business capital costs, schools, health