p-Index From 2020 - 2025
0.444
P-Index
This Author published in this journals
All Journal Syari'ah Economics
Yani Mulyani
Institut Agama Islam Darussalam (IAID), Ciamis, Jawa Barat

Published : 2 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 2 Documents
Search

FINANCING ANALYSIS OF SMALL AND MEDIUM ENTERPRISES USING MUDHÂRABAH CONTRACTS IN KOPERASI SIMPAN PINJAM AND SHARIA FINANCING BAIT AL-MÂL WA AL-TAMWÎL EL-TAQWA CIAMIS Fitranty Adirestuty; Rini Irnawati; Yani Mulyani
Syari'ah Economics Vol 4 No 2 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (371.983 KB) | DOI: 10.36667/se.v4i2.201

Abstract

This study aims to analyze the financing of Micro, Small, and Medium Enterprises (MSMEs) using the mudhârabah contract provided by KSPPS-BMT eL-Taqwa Cidewa Ciamis. The mudhârabah financing product KSPPS-BMT eL-Taqwa Cidewa Ciamis is a solution for interest-based banks. This descriptive-qualitative research utilizes observation, interview, and document study techniques to obtain data information. The results showed that the implementation of the mudhârabah contract at KSPPS-BMT eL-Taqwa Cidewa Ciamis in determining the profit-sharing was adjusted to the understanding and requests of prospective customers. Two categories of profit-sharing are carried out, the profit-sharing ratio (%) for both parties is determined at the beginning of the contract before the income is known so that the monthly installment payments are fixed, and the profit-sharing ratio (%) is determined at the beginning of the agreement. Still, the installment payments are not fixed because adjusted to customer income. As for the role of the mudhârabah contract for micro, small and medium enterprises (MSMEs), of course, there are various kinds of developments experienced by every entrepreneur, seen from the good developments and some experiencing poor development so that they encounter obstacles in their business.
CONSUMER BEHAVIOR IN THE PERSPECTIVE OF CONVENTIONAL ECONOMICS AND ISLAMIC ECONOMY Pepe Iswanto; Yani Mulyani; Husna Lailatul Qadar
Syari'ah Economics Vol 5 No 2 (2021): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (253.933 KB) | DOI: 10.36667/se.v5i2.211

Abstract

Consumer behavior in the perspective of conventional economy is based on the philosophy of capitalism, so that each individual is more rational than spiritual. While in the perspective of Islamic economics, consumer behavior is based on the philosophy of God so that in every activity to meet the needs of consumers are required to always be guided by the principles of monotheism, khilafah, and also justice. In addition the authors find the existence of similarities and differences from both perspectives of the theory. The similarity between consumer behavior in carrying out consumption activity in conventional economics and Islamic economy there are three, among them in terms of understanding, philosophy base, motivation and purpose of consumption, and consumer behavior theory. The difference lies in the foundations of philosophy, the principles of consumption, the motives and purposes of consumption, the configuration of consumer needs, and the latter lies in consumer behavior. This study was conducted with the aim to know: (1) consumer behavior in conventional economic perspectives (2) consumer behavior in sharia economic perspective (3) comparison of consumer behavior in conventional economic and economic perspectives of sharia. This research method uses library research approach, because the object of study is focused on the study by conducting a review study on books, data, literatures related to the analysis of research discussion related to consumer behavior, both in economy conventional and Islamic. The results show that: (1) Consumer behavior involves the behavior of consumers, where they can illustrate the search to buy, use, evaluate and improve a product and their services. (2) The consumption behavior of Islam based on the guidance of the Qur'an and Hadith needs to be based on an enhanced rationality that integrates belief in truth that transcends this very limited human rationality. (3) Comparisons between consumer behavior in conventional economics and the declining Islamic economy, explains that there are some differences from both points of view. The first is lies in the cornerstone of the philosophy of consumer behavior. Second, related to the principle of consumption. The principle of consumption in the conventional economy there are three namely freedom, self interest, and material. Third, look at the motive and purpose of consumption