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All Journal IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JPS (Jurnal Perbankan Syariah)
Dewi Oktayani
Sekolah Tinggi Ilmu Ekonomi (STIE) Syariah Bengkalis
Economics, Econometrics & Finance

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Pengaruh Unit Simpan Pinjam Terhadap Peningkatan Kesejahteraan Ekonomi Masyarakat Desa Eka Kusuma Ramadani; Dewi Oktayani
JPS (Jurnal Perbankan Syariah) Vol 1 No 2 (2020): JPS (Jurnal Perbankan Syariah) - October
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jps.v1i2.230

Abstract

This research aims to analyze and provide empirical evidence regarding the effect of the Penebal Teguh Mandiri savings and loan unit on improving the economic welfare of the Penebal village community. The problem in this research is that many people still use savings and loan units towards consumptive use. The data analysis method used is a quantitative analysis using validity and reliability tests, simple linear regression analysis, classical assumption test and the coefficient of determination using SPSS. The population used is the Penebal Village community with the criteria being the people who make loans at the Penebal Teguh Mandiri office of Penebal Village. The sample used was 174 people from the Penebal Village community. The results of this research indicate that only 38% of the level of influence of the savings and loan unit on the level of the economic welfare of the Penebal village community.
Pelelangan Barang Gadai Dalam Persfektif Islam Dewi Oktayani
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 8 No 2 (2019): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - December
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v8i2.179

Abstract

Pawn is an alternative for people who experience economic problems but do not want to lose their valuable possessions. The pawn can be done in the pawnshop as well as other financial institutions that provide pawn services. In Islam, the pawn is known as Ar-Rahn, which is to hold one of the borrower's assets from the loan he received. In a sharia pawnshop, the auction system applies to customers, if the customer is unable to pay his debt after maturity. The sale of liens after maturity is legal. That, according to the purpose of the understanding of the nature of the pawning itself, that is, as a trustee of a debt to be fulfilled. If the debtor is unable to pay the debt, the pawned goods can be sold to pay the debt, by representing the seller to a fair and trusted person. Auction according to sharia must also be able to be accounted for in Islamic law, which is free from the elements of gharar, maisir, usury and bathil.
Co-Authors Eka Kusuma Ramadani