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Tinjauan Ekonomi Syariah Dalam Sewa Menyewa Produk IndiHome Di PT. Telkom Kandatel Purwakarta Luthfi Rahman; Asep Dede Kurnia; Saepul Bahri; Ahmad Ali Sopian
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.v5i1.105

Telkom is a state-owned company engaged in telecommunications and network services in the territory of Indonesia. One of the products from Telkom is IndiHome. In IndiHome, the company's agreement system with consumers is to rent tools or devices for consumers to use to connect with IndiHome, then consumers pay monthly to extend the lease. Based on the basic provisions of the theory in Islam that leasing is a form of muamalah activity in meeting the needs of human life, in the sharia economic concept, leasing is called (al-ijarah), which has the pillars and conditions that become the legal provisions of the ijarah contract. The purpose of this study was to determine the practice of renting IndiHome at PT. Telkom Indonesia Kandatel Purwakarta and to find out an overview of the sharia economy in leasing indihome products at PT. Telkom Kandatel Purwakarta. The type of research used is field research, while the approach used in this research is a descriptive-qualitative approach. The mechanism used in leasing IndiHome has provisions according to company procedures. The transaction process is carried out with customer registration via offline, carried out directly and online through the My IndiHome application and Call Center to PT.Telkom and if viewed in the sharia economy, IndiHome leases are included in leases that are not in accordance with the provisions of the Fatwa of the National Sharia Council of the Ulama Council. Indonesia No. 112/DSN-MUI/IX/2017, including those related to mu'jir provisions that are not legally competent, provisions on benefits of objects that cannot be leased back and unclear rental times.

Implementasi Denda Pada Akad Murabahah Dalam Perspektif Ekonomi Syariah Di BMT Purwakarta Amanah Sejahtera (PAS) Putranto Sigit; Ahmad Saepudin; Saepul Bahri; Yulia Purnama
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.v5i1.113

Murabaah payments can be made in cash and installments. However, often in the installment process, banks are faced with various problems, especially bad loans. The problem that often occurs in banking is customers who are able but deliberately delay their obligations to the bank. This has resulted in the possibility of the bank experiencing material and non-material losses. in sharia banks in accordance with the DSN-MUI fatwa No. 17 of 2000, if the customer intentionally delays payment for no apparent reason, the sharia financial institution has the right to impose a fine on him in accordance with the previously agreed upon agreement. The purpose of this study was to determine the system of fines on sharia financing products at BMT PAS and to determine the implementation of fines on murabahah contracts in a sharia economic perspective at BMT Purwakarta Amanah Sejahtera (PAS). This type of research is field research, the data is obtained in the field, meaning that it is direct research to obtain data from the facts that occur on the BMT PAS with a qualitative descriptive approach. The data collection technique is done by triangulation (combined), data analysis is a deductive method, namely a method that departs from general knowledge about a phenomenon (theory) and is based on general knowledge that wants to assess specific things. The results of this study indicate that the penalty system for sharia financing products at BMT PAS is by giving policies to members affected by fource majeur by freeing them to pay their financing installments. If it is found that the economic condition of the member is able to pay the debt but does not obey the installments, then the BMT PAS will impose sanctions on the member. If the analyzed member is really economically incapable, then the BMT PAS does not impose a fine or sanction on the member. The Penalty System for Sharia Financing Products at BMT PAS is in accordance with fatwa No. 17/DSN-MUI/IX/2000 concerning Sanctions for Able Customers Who Delay Payments. Because BMT PAS considers Fource majeur to be a disaster, BMT PAS will provide a solution to the member by being retrained if it cannot be fostered, then BMT PAS releases members from paying the installments and is considered to be a loss from BMT PAS. Likewise, the BMT PAS has applied fines to members who can afford it but delay payments. Sanctions in the form of fines are based on the principle of ta'zir, which aims to make customers more disciplined in carrying out their obligations. in allocating the BMT PAS fines, it also clarifies that the fines are used for social funds or community needs, both for compensation, disaster relief infrastructure and so on

Pengaruh Pelayanan Islami Terhadap Kepuasan Konsumen Di 212 Mart Purwakarta Nasih Sariningsih; Saepul Bahri; Ayi Nurbaeti
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.v4i2.119

The purpose of this research is to measure and analyze how much influence the Islamic service has on consumer satisfaction at 212 Mart Purwakarta. The sample of this research is 212 Mart Purwakarta consumers as many as 92 people. The formula for determining the sample uses the Slovin formula. Data collection was carried out by distributing questionnaires using a Likert scale to 92 respondents. The method used is a quantitative method, a method that uses numbers and then analyzed using the SPSS version 25 program. Data analysis techniques used in this study are validity, reliability, classical assumption tests include normality and linearity tests, while hypothesis testing include partial test (t), coefficient of determination analysis (r2) and simple regression analysis. The results showed that the independent variable (Islamic service) was proven to be positive and significant effect on the dependent variable (Consumer Satisfaction) of 57.7% with a significance value of 0,000 <0.05 and a regression coefficient of X of 0.281 which means that each addition of 1% value Islamic services, the value of consumer satisfaction increases by 0.281. while the remaining 42.3% by other variables outside the variables used in this study.

Pengaruh Faktor Sosial Dan Pribadi Terhadap Minat Beli Produk Peyek Aziz Tanpa Tanggal Kedaluwarsa Dalam Perspektif Ekonomi Syariah Wiwi Mulyani; Ai Siti Khoeriah; Saepul Bahri
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.v5i2.149

Carrying out economic activities based on Islam is an order and has the value of worship. According to fiqh rules, every muammalah transaction is allowed as long as it does not conflict with the basic Islamic law, namely the Qur'an and hadith, including carrying out economic activities in the field of food processing business. The purpose of this study was to determine the influence of social factors and personal factors on consumer buying interest in Peyek Aziz products. The method used is descriptive quantitative with the number of samples used as many as 33 respondents in the Kertamukti sub-district, Campaka sub-district which was determined through probability sampling with random sampling technique. The results of this study indicate that personal factors affect consumer buying interest with a significance value of 0.000 < 0.05. Social factors are declared not to affect because the significance value obtained is 0.063 > 0.05. While social and personal factors jointly affect consumer buying interest with a significance value of 0.000 < 0.05. Based on these results, it is known that social and personal factors affect consumer buying interest in food without an expiration date of 0.515 or 51%. While the remaining 49% is influenced by other factors not examined. The sharia economic review regarding food without expired labels did not find any specific regulatory information. The inclusion of an expired label is an ijtihad in providing information on the appropriate time limit for consumption on food products with the aim of benefiting in maintaining property and life.

Pengaruh Kualitas Produk dan Promosi Terhadap Keputusan Nasabah Memilih Tabungan Amanah Di BMT Purwakarta Amanah Sejahtera Wiwin Winanti; Saepul Bahri; Ayi Nurbaeti; Diana Novita
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.v5i2.172

Latar Belakang penelitian yang dilakukan di BMT Purwakarta Amanah Sejahtera, dimana Tabungan Amanah setiap tahunnya menurun. Hal ini kontraduktif dengan situasi masyarakat Purwakarta yang mayoritas penduduknya beragama islam. Merupakan potensi sebagai tempat tumbuhnya kegiatan ekonomi yang berbasis syariah. Tujuan penelitian ini adalah untuk mengetahui pengaruh Kualitas Produk terhadap keputusan nasabah memilih Tabungan Amanah, Untuk mengetahui pengaruh Promosi terhadap keputusan nasabah memilih Tabungan Amanah, Untuk mengetahui Kualitas Produk dan Promosi terhadap keputusan nasabah memilih Tabungan Amanah. Metode penelitian yang digunakan adalah metode kuantitatif, yaitu metode yang menggunakan angka-angka di setiap hasilnya dan diuji menggunakan aplikasi SPSS. Populasi dalam penelitian ini adalah 52 orang. Teknik analisis data yang digunakan dalam penelitian ini adalah validitas data, relibilitas data, untuk uji asumsi klasik menggunakan uji normalitas,uji multikolinearitas,uji heteroskedastis, sedangkan uji hipotesis menggunakan uji determinasi, uji parsial(uji t),regresi linier berganda,dan uji simultan (uji f). Hasil penelitian menunjukan bahwa variabel kualitas produk tidak berpengaruh terhadap keputusan nasabah tabungan amanah di BMT PAS dengan nilai thitung sebesar -0,309 lebih kecil dari ttabel sebesar 2,000. promosi secara parsial (uji t) tidak berpengaruh terhadap keputusan nasabah dengan thitung sebesar 1,753 lebih kecil dari ttabel sebesar 2,000. berdasarkan uji simultan (uji f) Kualitas produk dan promosi tidak berpengaruh terhadap keputusan nasabah dengan nila siginifikasi sebesar 0,194 lebih besar dari 0,05. Kesimpulannya hipotesis secara keseluruhan H0 diterima dan Ha ditolak.

Pengaruh Pemahaman Mahasiswa Terhadap Penggunaan Jasa Keuangan Syariah Bank Dan Non-Bank (Studi Kasus Pada Mahasiswa STIES Indonesia Purwakarta) Ratnasari Ratnasari; Ai Siti Khoeriah; Saepul Bahri
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.v6i1.338

The third National Financial Literacy and Inclusion Survey (SNLIK) conducted by the Financial Services Authority (OJK) in 2019 showed the financial literacy index reached 38.03%. This figure is an increase compared to the results of the 2016 OJK Survey, namely the financial literacy index of 29.7%. Thus in the last 3 years there has been an increase in public financial understanding (literacy) by 8.33%, the 2019 SNLIK also noted that the level of Islamic financial literacy rose slightly from 8.1% to 8.93%. Completing the survey conducted by the OJK, the 2019 Islamic Economic Literacy Index issued by BI reached 16.3% (well literate) out of a 100% scale which reflects the space for efforts to increase public understanding of Islamic Economics in the country. This study aims to determine the effect of student understanding on the use of Islamic banking and non-bank financial services. The method used in this research is descriptive quantitative research method. The results of this study are the results of testing the validity of the understanding variable, it is known that rcount > rtable (0.213) with a significance value (p value) < 0.05 so that the understanding variable data is declared valid. Furthermore, the variable for the use of bank services obtained rcount > rtable (0.213) with a significance value (p value) <0.05 so that all statement items are declared valid. Next, it is known that the tcount is 5.417 > ttable (1.9904), with a probability value of 0.000 which means it is smaller than 0.05, then Ha is accepted, meaning that student understanding has a significant positive effect on the use of Islamic banking and non-bank financial services. And obtained a coefficient of determination (R Square) of 0.271, meaning that 27.1% of student understanding is able to explain or influence the use of Islamic banking and non-bank financial services, while the remaining 72.9% is influenced by other factors not examined in this study.

Pengaruh Kualitas Pelayanan Terhadap Loyalitas Anggota BMT Mardhatillah Berkah Cabang Purwakarta Siti Rohmat; Saepul Bahri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 2 No 2 (2018): 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.v2i2.46

The purpose of this study is to determine the influence of Service Excellent To Savings Loyalty On Members BMT Mardhatillah Berkah Branch Purwakarta. In this study, the object of research is the Savings and Loans Cooperative BMT Mardhatillah Berkah Branch Purwakarta. This research is included into descriptive research. Primary data collection through questionnaires with sample determination using Probability Sampling technique. Data analysis techniques used in this study is the validity of data, data reliability, data normality, data heterokedastisitas. While the test design using linear regression data analysis, correlation coefficient, coefficient of determination. The results showed that Service Excellent has a significant effect on Member Loyalty At Baitul maal wat tamwil Mardhatillah Berkah Branch Purwakarta. This is seen from the results of hypothesis testing where the value 14.121 (t count)> 1.66 (t table). With the level of significance is 0.000 smaller than 0.05. The correlation coefficient value of 0.776 and the coefficient of determination = 60.2%. Furthermore, the rest is influenced by other variables not examined in this research.

Pengaruh Label Halal dan Harga Terhadap Keputusan Pembelian Produk Skincare Justmine Beauty di Toko Gins Official Plered Purwakarta Dina Agustina; Saepul Bahri; Ahmad Ali Sopian
JAMMIAH (Jurnal Ilmiah Mahasiswa Ekonomi Syariah) Vol 3 No 2 (2023): Jammiah (Jurnal Ilmiah Mahasiswa Ekonomi Syariah)
Publisher : STIE Syariah Indonesia Purwakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/jammiah.v3i2.929

Keputusan pembelian konsumen dipengaruhi oleh dua faktor yaitu : 1) Label halal, hal ini dikarenakan mayoritas warga negara Indonesia beragama Islam, sehingga label halal dijadikan sebagai perlindungan untuk konsumen muslim. 2) Harga, karena semakin tinggi harga suatu produk, maka semakin sedikit minat pembelian konsumen atas produk tersebut, begitupun sebaliknya. Penelitian ini bertujuan untuk menganalisis bagaimana pengaruh label halal terhadap keputusan pembelian produk skincare Justmine Beauty, untuk menganalisis bagaimana pengaruh harga terhadap keputusan pembelian produk skincare Justmine Beauty, dan untuk menganalisis bagaimana pengaruh label halal dan harga terhadap keputusan pembelian produk skincare Justmine Beauty. Metode peneltian yang di pakai yaitu metode kuantitatif dengan teknik pengumpulan data menggunakan kuesioner. Sumber data yang digunakan adalah data primer dan data sekunder. Adapun teknik penentuan sample yang digunakan yaitu simple random sampling dengan tingkat eror 5%. Teknik anaslisis data yang di pakai yaitu metode analisis regresi linier berganda, uji validitas dan uji reabilitas, uji normalitas, uji multikolinearitas, uji t, uji f, dan koefisien determinasi. Hasil penelitian ini dapat disimpulkan bahwa variabel label halal nilai thitung > ttabel sebesar 5,916 > 1,991 dan nilai signifikasi sebesar 0,000 < 0,05, selain itu nilai R square yang didapatkan sebesar 0,307. Artinya variabel label halal berpengaruh secara positif dan signifikan terhadap keputusan pembelian produk skincare Justmine Beauty sebesar 30,7% sedangkan sisanya sebesar 69,3% dipengaruhi oleh variabel lain yang tidak diteliti pada penelitian ini. Selanjutnya variabel harga nilai thitung > ttabel sebesar 7,628 >1,991 dan nilai signifikasi sebesar 0.000 < 0,05, selain itu nilai R square yang didapatkan sebesar 0,424. Artinya variabel harga berpengaruh secara positif dan signifikan terhadap keputusan pembelian produk skincare Justmine Beauty sebesar 42,4% sisanya sebesar 58,6 % dipengaruhi oleh variabel lain yang tidak diteliti pada penelitian ini. Selanjutnya Variabel label halal dan harga nilai Fhitung > Ftabel sebesar 34,772 > 3,11 dan nilai signifikasi 0,000 < 0,05, nilai R square yang didapatkan sebesar 0,464. Artinya variabel label halal dan harga mempunyai pengaruh bersama-sama terhadap keputusan pembelian skincare Justmine Beauty sebesar 46,4% dan sisanya sebesar 53,6% dipengaruhi oleh faktor lain diluar variabel penelitian yang digunakan.

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