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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Jalaludin
Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) Indonesia Purwakarta
Economics, Econometrics & Finance

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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.
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
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
Co-Authors Ahmad Damiri Ahmad Damiri Ai Siti Nurjadidah Fitri Heryani Mita Nurul Hidayati Siti Rahmah Ramadhan