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Ermi Suryani
Insitut Agama Islam Sahid Bogor
Religion Economics, Econometrics & Finance

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ANALISIS PENGARUH BAURAN PEMASARAN TERHADAP MINAT MASYARAKAT DALAM PEMBIAYAAN RUMAH DENGAN PRINSIP SYARIAH Aliya Cahyani Purnaed; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.398 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.36

Abstract

Owning a home is a need and a dream for every human being, with a home the family will grow well in it. Like a mirror in the house is a reflection of the human person. Owning a home can go through the world of Islamic banking, and Islamic banking must be able to attract people's interest in using its products. By providing a variety of prices, strategic housing with industrial and economic centers, as well as promotions that have been carried out are able to attract public interest in financing based on sharia principles through the world of sharia banking. This study aims to analyze the factors of product, price, place, promotion of public interest in home financing with sharia principles. This type of research is quantitative and the data collection method uses primary data obtained through questionnaires. Sampling of 100 respondents using the Tabachic and Fidell techniques, the sampling technique used simple random sampling technique. The method used to test the hypothesis is multiple linear regression, t test, f test and the coefficient of determination (adjusted R square). The results of this study indicate that price, place, and promotion affect people's interest in home financing with sharia principles. Meanwhile, these products have no effect on people's interest in home financing with sharia principles.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MASYARAKAT MENGAJUKAN PEMBIAYAAN DI BANK PEMBIAYAAN RAKYAT SYARIAH BOTANI DRAMAGA (Studi Kasus Kecamatan Ciampea Kabupaten Bogor) Bunga Hidayatunnisa; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.392 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.39

Abstract

Basically, people who start a business tend not to have initial capital to start their business.because the economic conditions of the people in Ciampea District, Bogor are still low, withthe existence of Islamic People's Financing Banks (BPRS) to help people start their businesses anddevelop what they want. they dream of owning a business by applying for sharia financing to aBPRS, therefore BPRS must be able to attract public interest to apply for sharia financing. Based onreligiosity, good service quality, low public knowledge of the financial institution itselfadministrative costs, attractive promotions, and can adjust economic capabilitiespublic. This study aims to analyze the factors of religiosity, quality of service, publicknowledge, administrative costs, promotion and economic capacity to influence the public interestin applying for financing at BPRS Botani. This type of research is quantitative research andMethods of data collection using primary data obtained through questionnaires. Sampling amounted to 75 respondents, the technique of determining the sample using simple random samplingtechnique. The method used to test the hypothesis is multiple linear regression, t test, and f testcoefficient of determination (adjusted R square). The results of this study indicate that economic ability affects people's interest in applying for financing at BPRS Botani. Meanwhile, religiosity, service quality, public knowledge, administration costs, and promotions do not affect public interest in applying for financing at BPRS Botani.
JUAL BELI EMAS SECARA KREDIT MENURUT PERSPEKTIF HUKUM ISLAM (Studi Bank Syariah Mandiri Kantor Cabang Pembantu Bogor Sudirman) Wida Khoiriyah; Tubagus Rifqy Thantawi; Ermi Suryani
SAHID BANKING JOURNAL Vol 1 No 02 (2022): Mei 2022
Publisher : Jurnal Penelitian Perbankan Syariah: Program Studi Perbankan Syariah.

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (68.393 KB) | DOI: 10.56406/sahidbankingjournal.v1i02.47

Abstract

Buying and selling gold on credit is a contract of transferring assets in the form of gold from one person to another which is done by credit. This study aims to analyze the practice of buying and selling gold on credit in Gold Installment Financing products at Bank Syariah Mandiri KCP Bogor Sudirman and to analyze how the law is buying and selling gold on credit according to the perspective of Islamic law. This research is included in the type of descriptive qualitative research, by reviewing various kinds of literature and criticizing the problems that exist in the field of sales and contract sales carried out on credit in the context of gold as currency. Then the sale and purchase of gold is only allowed to trade gold when the contract is cash and the value is the same, but if the status of gold is a commodity then buying and selling gold on credit is legally permissible.
Co-Authors Aliya Cahyani Purnaed Bunga Hidayatunnisa Thantawi, Tubagus Rifqy Wida Khoiriyah