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All Journal Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Indonesian Journal of Multidisciplinary Sciences
Rafika Aulia
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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PENGARUH KEMAKMURAN PEMERINTAH DAERAH, UKURAN PEMERINTAH DAERAH, DAN TINGKAT KETERGANTUNGAN PEMERINTAH DAERAH TERHADAP KINERJA KEUANGAN PEMERINTAH KABUPATEN/KOTA DI PROVINSI ACEH Rafika Aulia; Rahmawaty Rahmawaty
Jurnal Ilmiah Mahasiswa Ekonomi Akuntansi Vol 5, No 4 (2020): November 2020
Publisher : Accounting Departement Economics and Business Faculty Syiah Kuala University

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Abstract

This study aims to examine the effect of regional government prosperity, local government size, and regional dependency level government on the financial performance of districts/city governments in Aceh Province. The population of this research is all districts and cities in Aceh Province, that as many as 23 districts/city in 2014-2018. This study uses secondary data with data collection techniques documentation methods. Statistical tests are performed with multiple linear regression analysis using  SPSS program version 23. The result of the research shown that the regional government prosperity and local government size affect the financial performance of local governments while the regional dependency level government has no effect on the financial performance of local governments.
An Analysis of the Management of the 'Tasbih' Hajj Savings Product at Bank Sumsel Babel Based on the Wadi’ah Principle in the Perspective of DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000 Rafika Aulia; Meydiah Astuti; Nova Rahmadaniarti
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 4 No. 1 (2025): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v4i1.1326

Abstract

Hajj savings is a Sharia-compliant financial product designed to facilitate Muslims in preparing for and financing the pilgrimage to Mecca. This product allows customers to open a special savings account, make an initial deposit, and settle the Hajj Travel Cost (BPIH). The funds in this account are not withdrawable at any time, but are subject to specific regulations. This study aims to analyze the management of the "Tasbih" (Tabungan Siap Beribadah Haji) savings product at Bank Sumsel Babel based on the wadi’ah principle, as outlined in the DSN-MUI Fatwa No. 02/DSN-MUI/IV/2000. The Tasbih product is a type of Hajj planning savings account that uses the wadi’ah yad dhamanah contract, which refers to a safekeeping agreement whereby the bank is permitted to utilize the deposited funds while guaranteeing full return to the customer. This study adopts a descriptive qualitative approach through literature review and interviews with relevant stakeholders at Bank Sumsel Babel. The findings indicate that the management of the Tasbih product complies with Sharia principles, particularly those stipulated in the aforementioned fatwa. While the bank does not promise bonuses, it voluntarily provides hibah (gifts) based on financial performance, and the customers' funds are managed with integrity and trust. Thus, the Tasbih savings product is deemed to fulfill Sharia compliance and serves as a financial solution for individuals planning their Hajj journey in a gradual and well-organized manner.
Co-Authors Meydiah Astuti Nova Rahmadaniarti Rahmawaty Rahmawaty