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All Journal EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Juni-Jurnal Pelita Nusa
Moch. Cahyo Sucipto
Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) Indonesia Purwakarta
Religion Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Faktor Yang Mempengaruhi Masyarakat Muslim Menggunakan Jasa "Bank Emok" Di Desa Cilalawi Kecamatan Sukatani Kabupaten Purwakarta Lisa Dewi Anggraeni; Moch. Cahyo Sucipto; Siti Rohmat
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.v4i2.84

Abstract

The people of Cilalawi Village, Sukatani Subdistrict, Purwakarta Regency, have been making use of Bank Emok's loans only to meet consumer needs, because with their jobs whose income is uncertain they cannot meet their needs or needs quickly. With debt they can fulfill this and repay debt from their work. But not a few people also take advantage of debt for productive things, namely to make venture capital. The purpose of this study was to determine the enthusiasm of the Muslim community in Cilalawi Village Cilalawi Village Sukatani District Purwakarta Regency on the existence of "Emok Bank". To find out what factors influence the Muslim community in Cilalawi Village, Sukatani District, Purwakarta Regency, use the services of "Bank Emok". The research method used in this study is through a qualitative approach, where the qualitative approach is also called the naturalistic approach. Qualitative called because the nature of the data collected is qualitative, not quantitative, because it does not use measuring devices. While it is called naturalistic because the research field situation is natural or natural, as it is, without being manipulated, and without being regulated by experiments or tests. Naturalistic research looks at real situations that change naturally, are open, there is no engineering of controlling variables. Data collection techniques used in this study consisted of documentation, interviews. The results showed that the enthusiasm of the public in using the services of Emok Bank was quite large. On average in one Bank Emok has a number of customers of more than ten people there are even up to 40 people. Public enthusiasm can also be seen from the number of borrowed Emok Banks. Most people borrow more than one Emok Bank and even up to four Emok Banks at the same time. Cilalawi Village community uses the services of the Emok Bank influenced by internal factors that include the person such as age, economic situation, work, lifestyle and psychological factors such as motivation, perception and attitude of the community. External factors that influence the people of Desa Cilalawi in using the services of Emok Bank are cultural, social, and marketing.
Analisis Pelaksanaan Akad Murabahah Pada Pembiayaan Mikro di Bank BRI Syariah Kcp Subang. Fuji Latipurohmah; Moch. Cahyo Sucipto; Rina Nurhayati
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.v4i2.89

Abstract

This article discusses Analysis of the Implementation of the Murabahah Agreement on Micro Financing at BRI Syariah Subculture Bank BRI. Sharia Economics Study Program, STIES Syariah Indonesia Purwakarta, 1441 H / 2019 M. Micro financing is bank financing to individual customers or business entities engaged in the MSME sector to finance their business needs through working capital financing or investment financing. Murabaha contract is the provision of funds or bills which can be equaled for the sale and purchase of goods at the principal price plus a margin based on the agreement or agreement between the Bank and the customer which requires the customer to repay his debt / obligation. This study aims to find out how the implementation of murabaha contract on micro financing at Bank Syariah Syariah Kcp Subang. And to find out the analysis of the implementation of the murabaha contract on micro financing at the BRI Syariah Subcapital Bank BRI. This research is a type of descriptive qualitative research that examines the implementation of murabaha contracts on micro financing at BRI Syariah Subcapit Bank BRI. The research data consisted of primary and secondary data obtained through questionnaires, observations, interviews and documentation. The data obtained were then analyzed using descriptive analysis methods. The results of this study note that the implementation of the murabahah contract on micro financing is theoretically the murabahah contract conducted by BRI Syariah Subcapitary Bank in conducting micro financing it can be said to be sharia when making a wakalah agreement first before making the murabahah contract after the item in question has become the property of the bank . Then the Bank sells it to the customer plus profit margins to be paid by the customer in a certain period, in accordance with the initial agreement.
Kajian Ekonomi Syariah Dalam Pelaksanaan Asuransi Jaminan Kesehatan Pada Faskes Pertama Layanan BPJS Puskesmas Palasari Subang Kiki Erika; Rina Nurhayati; Moch. Cahyo Sucipto
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.v4i2.133

Abstract

This research was conducted at the Palasari Ciater Health Center in Subang Regency. Puskesmas is one of the first-level health institutions in collaboration with BPJS. BPJS is a legal entity formed to organize social security programs, BPJS consists of BPJS Health and BPJS Employment. BPJS Health runs a health insurance program, while BPJS Employment operates a work accident insurance program, old age insurance, pension insurance and death insurance. This study aims to find out how the implementation of BPJS Health in the first Health Center in Palasari Ciater Subang Health Center and how the view of the Ekonmi Syariah related to the implementation of the first level BPJS Health in the first Health Center in Palasari Ciater Subang Health Center. 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 in its implementation all Indonesian citizens were required to become members of the Health BPJS. In its implementation at the Palasari Puskesmas openly serves all the important BPJS Health participants, they come to the Puskesmas carrying a card and then click on the ticket and they are active members. The implementation of health insurance (BPJS Kesehatan) at the Palasari Health Center in terms of service has been carried out in accordance with the law, and in accordance with the Sharia Economy.
Analisis Kinerja Keuangan Bank Syariah Dengan Metode DuPont System Pada PT. Bank BRI Syariah Periode 2016-2019 Dewi Nurapiah; Moch. Cahyo Sucipto; Eka Ahadiyat Suryana
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.v5i2.171

Abstract

It is very important to measure financial performance by digging up more information contained in financial statements, financial statements are the end result of the accounting process, which must provide useful information for decision making by various parties. This study aims to obtain an overview of the company's financial performance by applying the DuPont System method. In addition, this analysis can evaluate changes in company conditions and performance, whether there is an increase or decrease or both. The variables used in the DuPont System calculation are Return On Investment, Total Asset Turnover, and Net Profit Margin. The method used in this study is quantitative descriptive, the source of the data needed in this study is secondary data, the data used in this study are data published by BRI Syariah Bank and BRI Syariah Bank publication reports that exist at the Service Authority. Finance (OJK). The results of this study indicate that the performance of BRISyariah fluctuates every year. Where tends to decrease at the level of Net Profit Margin, Total Assets Turnover, and Return On Investment. The highest Net Profit Margin for five years occurred in 2016 at 6.16% and the lowest occurred in 2019 at 2.04%. The largest Total Assets Turnover was 0.10 times in 2016 and the lowest was 0.08 times in 2019. The highest Return On Investment was 0.16% in 2016 and the lowest was 0.17% in 2019. This shows that the performance of BRI Syariah Bank in generating profits is said to be poor because it tends to decrease every year, even though the level of the DuPont System at BRI Syariah Banks has fluctuated, but it is still said to be positive due to the determination of the DuPont Syatem level criteria, namely the ROI of BRI Syariah Banks is still quite healthy.
Pengaruh Sertifikasi Halal Terhadap Pendapatan Pedagang Kaki Lima (Studi Kasus Bazar Kuliner Bazis Matraman Jakarta Pusat) Jalaludin Jalaludin; Moch. Cahyo Sucipto; Ajeng Nurfajriyah
Jurnal Pelita Nusa Vol 3 No 1 (2023): Juni-Jurnal Pelita Nusa
Publisher : Pelita Nusa Jurnal, published by the Institute for Research and Community Service (LP2M) of the Pelita Nusa Islamic Religious College West Bandung (STAI PENUS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61612/jpn.v3i1.41

Abstract

This study aims to determine the effect of halal certification on the income of street vendors at the Bazis Matraman Culinary Bazaar and to determine how much influence halal certification has on the income of street vendors at the Bazis Matraman Culinary Bazaar. The method used in this research is descriptive quantitative with primary data sources in the form of observation results, questionnaires and interviews with the head of the traders and street vendors at the Bazis Matraman Culinary Bazaar, while secondary data is in the form of archives, journals, and news related to halal certification variables (X) and trader income (Y). The number of samples in the study was determined using the census technique with the results of 33 respondents. The results of this study can be concluded that based on the results of partial hypothesis testing using SPSS 29 for windows, the t test (partial test) results in a tcount value (-1.246) ≤ ttable (1.696) and a significance level of 0.222 ≥ 0.05, and the resulting coefficient of determination (R Square) test result of 0. 048, this shows that halal certification has a negative and insignificant effect on the income of street vendors at the Bazis Matraman Culinary Bazaar, while the level of influence produced is only 4.8%, while the remaining 95.2% is influenced by other variables not examined in the current study.
Co-Authors Ajeng Nurfajriyah Eka Ahadiyat Suryana Feliatra Fuji Latipurohmah Jalaludin Jalaludin Kiki Erika Lisa Dewi Anggraeni Rina Nurhayati Rohmat, Siti