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Fenomena Pedagang dan Salesman Jawa Tengah di Lubuk Linggau dan Sekitarnya Abdul Mughits
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol 11, No 1 (2019): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/azzarqa.v11i1.1785

Abstract

Fenomena pedagang dan salesman Jawa di Lubuk Linggu Sumatera Selatan dan sekitarnya mendeskripsikan adanya jenis bisnis yang khas bagi orang Jawa di Sumatera dan lapangan kerja bagi unemploiment Jawa. Bisnis yang melibatkan ratusan pemodal dan ribuan salesman saat ini dan sudah berjalan sejak tahun 1980-an cenderung akan terus berkembang dan melibatkan lebih banyak lagi tenaga kerja. Hanya saja model bisnis nyales orang Jawa yang etos kerjanya selalu terkesan imperior dibanding dengan etnis lainnya hampir tidak terekam dalam program dan laporan pemerintah dan penelitian akademik. Tentu, model bisnis ini menyisakan banyak pertanyaan, seperti faktor-faktor determinanya mengapa model bisnis nyales ini masih bertahan dan cenderung meningkat, karakter segmen pasar yang menjadi sasarannya dalam marketing yang mayoritas adalah warga tarnsmigrasi Jawa di Sumatera, jenis produk yang laku dijual, strategi pemasarannya, interaksi sosialnya dengan warga lingkungan rumah kontrakan dan dengan pangsa pasar, dan prospek ke depannya bagiamana.  Oleh karena itu, penelitian ini akan menjawab pertanyaan-pertanyaan tersebut.
Perilaku Ekonomi Bank Syariah dan Risikonya Terhadap Rate of Return Bagi Nasabah Deposan Dalam Pembiayaan Mudarabah dan Murabahah (Studi Kasus Bank-bank Syariah di Wilayah Yogyakarta) Abdul Mughits
Aplikasia: Jurnal Aplikasi Ilmu-ilmu Agama Vol. 16 No. 1 (2016)
Publisher : UIN Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/aplikasia.v16i1.1166

Abstract

This research tries to check the potency of risk of Islamic bank in defrayal of mudarabah and murabahah. This research was inspired from ascription of whereas one who said that the Islamic banks have not been risk because they have owned the guidance of risk management published by Bank Indonesia (BI). One way to assess the existence of potency of risk of Islamic bank in its defrayal product is using the theory of behavioral economics which’s in general differentiated to two categories, that is rational that which tends to be risk and irrasional that which tend to be not risk. Rational behavior is presented by the approach of efficiency market hyphotesis (EMH) and irrational behavior is presented by the approach of adaptive market hypothesis (AMH) And behavioral finance (BF). This research objects are four Islamic banks in Yogyakarta. After conducting by tracing of field data then found by that four Islamic banks affirm still face the risk in their operational, especially operational risk, risk of credit and risk of liquidity. From four bank also show that their behaviors are irrasional because tend to show the behavior of AMH and BF, than EMH. Thereby its risk potency tend to minimize to rate of return of client of deposan or third party lenders ( DPK).