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All Journal Jurnal Riset Akuntansi dan Bisnis Indonesia Jurnal Ngejha
Qaiyim Asy’ari
IAI Al-Khairat Pamekasan
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Social Sciences

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IMPLEMENTASI GADAI EMAS DENGAN SISTEM SYARIAH Qaiyim Asy’ari; Istiqwamah Istiqwamah; Zitkil Muarrofah
Jurnal Ngejha Vol 1 No 2 (2022): Jurnal Ngejha
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat (LP2M) IAI Al-Khiarat Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (521.535 KB) | DOI: 10.32806/ngejha.v1i2.188

Abstract

Pelaksanaan gadai emas dengan sistem syariah di Bank Syariah Sarana Prima Mandiri cabang Larangan adalah menggunakan akad mudharabah dan ijarah. Adapun prosedur pelaksanaannya adalah rahin datang dan mengisi formulir permohonan gadai, penelitian kualitas emas untuk menetapkan nilai pembiayaan yang akan diberikan, penaksiran harga emas yang digadaikan, penerimaan permohonan gadai, penghitungan jumlah pembiayaan, biaya pemeliharaan, besaran angsuran dan pencairan pembiayaan kepada rahin; gadai emas sistem syariah di Bank Syariah Sarana Prima Mandiri cabang Larangan telah sesuai dengan kaidah hukum islam dan dan prinsip syariah tentang rahn emas. Kesesuaian dengan hukum islam adalah dalam fiqih islam mengenal perjanjian gadai disebut “rahn”, yaitu perjanjian menahan sesuatu barang sebagai tanggungan hutang (Q.S Al-Baqarah: 282-283), hadist nabi dan ijma’ ulama atas hukum mubah (boleh) perjanjian gadai. Kesesuaian gadai emas syariah dengan kaidah hukum islam terletak pada pemenuhan rukun gadai yaitu: adanya pihak yang berakad, adanya ijab dan qobul, adanya jaminan (marhun) berupa barang atau harta, dan adanya hutang (marhun bih). Kesesuaian gadai emas syariah di SPM cabang Larangan juga sudah sesuai dengan prinsip syariah tentang rahn emas yang berpedoman pada Fatwa Dewan Syariah Nasional Majelis Ulama Indonesia No. 26/DSN-MUI/III/2002 tentang rahn emas yang intinya menyatakan: murtahin (bank) berhak menahan barang jaminan rahin (nasabah) sampai hutangnya dilunasi
THE ROLE OF BRAND IMAGE IN SKINCARE CONSUMPTION DECISIONS: EVIDENCE FROM SANTRI OF MAMBAUL ULUM BATA-BATA ISLAMIC BOARDING SCHOOL Qaiyim Asy’ari; Abdul Bari; Nurul Tayyibah; Ach Mahfud Abd Qadir
Jurnal Riset Akuntansi dan Bisnis Indonesia STIE Widya Wiwaha Vol 6 No 1 (2026): Jurnal Riset Akuntansi dan Bisnis Indonesia
Publisher : Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32477/jrabi.v6i1.1366

Abstract

This study aims to analyze the influence of brand image on skincare consumption decisions among students at Mambaul Ulum Bata-Bata Islamic Boarding School. This research uses a quantitative approach with a survey method by distributing questionnaires to respondents. The number of respondents in this study was 100 students who use or are familiar with skincare products. The data analysis techniques used include validity tests, reliability tests, simple linear regression analysis, correlation analysis, and hypothesis testing using the t-test. The results show that brand image has a positive and significant influence on skincare consumption decisions. This is indicated by the t-count value which is higher than the t-table value at a significance level of 0.05, so the research hypothesis is accepted. Therefore, it can be concluded that brand image is one of the important factors influencing students' decisions in choosing and using skincare products.
Co-Authors Abdul Bari Ach Mahfud Abd Qadir Aziz Ashari Istiqwamah Istiqwamah Nurul Tayyibah Zitkil Muarrofah