Kemal Al Kautsar Mabruri
Program Studi Hubungan Internasional, Universitas Islam Indonesia

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Analisis Determinan Faktor Kepuasan Muzakki Di Yayasan Rumah Bintang Indonesia Rani Listiasari; Yudistia Teguh Ali Fikri; Irawati Irawati; Ahmad Muhajir; Hendra Maulana; Kemal Al Kautsar Mabruri
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9869

Abstract

In total, there are 200 muzakki who have distributed their zakat in the Foundation. As a non-profit organization, Rumah Bintang Foundation has very high demands to be able to collect as much zakat as possible and to utilize the collected zakat effectively and efficiently. This study aims to determine the factors that influence the satisfaction of muzakki in distributing their zakat. This research uses multiple linear regression method with SPSS 20 software. This research uses a quantitative approach. This research is used to examine certain populations or samples. Data collection techniques use research instruments, data analysis is quantitative/statistical in nature with the aim of testing the established hypotheses. Sources of data were obtained through the first data from the Rumah Bintang foundation and through interviews. From the results of the SPSS 20.0 output display, it shows that the adjusted R2 is 0.445, this means that muzakki's satisfaction can be explained by the place, product, promotion, and price variables only by 4.45% while the rest (100% -4.45% = 55.5 %) is explained by other variables. The calculation results produce a calculated F of 14.039 with a significance value of 0.001, because the significant value is less than 0.05 then Ha is accepted and Ho is rejected. So it can be concluded that product, place, promotion, and place have an effect on muzakki's satisfaction. Thus, it can be concluded that the null hypothesis which states "there is no influence between satisfaction factors and muzakki satisfaction" cannot be accepted which means accepting the alternative hypothesis which reads "there is influence between the satisfaction factors variables on muzakki satisfaction."
Penerapan Akad Musyarakah Mutanaqisah Pada Perumahan Syariah Aster Village Ciwastra Menggunakan Produk Pembiayaan Kredit Bank Syariah Indonesia Sofyan Mei Utama; Diana Farid; Muhammad Husni Abdulah Pakarti; Kemal Al Kautsar Mabruri; Hilma Fanniar Rohman
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

House sale and purchase transactions in the context of sharia have become a major concern in the development of Islamic economic models that are based on the principles of justice, equality, and compliance with Islamic law. One of the contracts proposed to fulfill these principles is the Musyarakah Mutanaqisah Agreement. This study aims to analyze the application of the Musyarakah Mutanaqisah Agreement on home ownership loans in aster village Islamic housing where the implementation of credit is carried out through a Bank mechanism in this case Bank Syariah Indonesia (BSI). The research method used is a qualitative approach with a case study approach. Data were obtained through interviews with related parties, analysis of transaction-related documents, and review of related literature. The results showed that the implementation of the Musyarakah Mutanaqisah contract in BSI Griya Hasanah financing has two contracts in it (hybrid contract). The first is that banks and customers cooperate (syirkah / musyarakah) to buy an asset, so the musyarakah contract in BSI Griya Hasanah financing is only limited to cooperation in the ownership of an asset. The second is ijarah. The asset that becomes the object of financing is leased (ijarah) to the customer with a rental payment which is assumed to be a profit that will be divided between the bank and the customer according to a predetermined ratio. The profit sharing obtained by the bank will be considered as profit for the bank. Meanwhile, the profit sharing received by the customer is diverted to buy the bank's hishah portion. Not only is there more than one contract, in this BSI Griya Hasanah financing scheme there are also two agreement contracts. The first agreement contract contains the Musyarakah Mutanaqisah contract itself, and the second agreement contract contains ijarah.