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All Journal Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Academia Open
Tuti Anggraini
Perbankan Syariah, Universitas Islam Negeri Sumatera Utara
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Medicine & Pharmacology Public Health

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ANALISIS IMPLEMENTASI PENETAPAN MARGIN PADA PRODUK PEMBIAYAAN KENDARAAN BERMOTOR KHUSUS ASN MELALUI AKAD MURABAHAH DALAM PERSPEKTIF FIQH MUAMALAH DI PT. BANK SUMUT SYARIAH KANTOR CABANG PEMATANG SIANTAR Mega Indah Lestari; Tuti Anggraini; Nurwani Nurwani
Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Vol. 12 No. 3 (2023): September
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31959/jm.v12i3.1630

Abstract

This study aims to determine the implementation of setting margins on motor vehicle financing products specifically for ASN through murabaha contracts in the perspective of fiqh muamalah. This study uses a descriptive qualitative approach. Sources of data obtained through primary and secondary data, for data collection using observation, interviews and documentation. The results of this study are that in financing murabahah contracts at Bank Sumut Syariah, Pematang Siantar Branch, in implementing the margin, it is in accordance with the principle of permissibility in determining the magin. But in financing murabahah contracts for motorized vehicle products specifically for ASN, this is not in accordance with the principles of fiqh muamalah perspective, namely the principle of justice, because the determination of the profit margin is not explained in detail so that customers only know the selling price and purchase price without knowing the margin set by Bank Sumut. Sharia Branch of Pematang Siantar.
The Value of Maqashid Syariah and Institutional Reputation in Decisions on the Use of Marhamah Savings: Nilai Maqashid Syariah dan Reputasi Lembaga dalam Keputusan Penggunaan Tabungan Marhamah Miftahul Jannah; Ahmad Perdana Indra; Tuti Anggraini
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11756

Abstract

General Background: The growth of Islamic banking in Indonesia continues to show promise, yet market penetration remains limited due to competition with conventional banking. Specific Background: Customer decisions are influenced by both the application of Maqashid Syariah values and institutional reputation, yet limited studies assess both variables in the context of specific products like Marhamah Savings. Knowledge Gap: Previous studies overlook the combined impact of Maqashid Syariah values and institutional reputation on product usage decisions in localized banking contexts. Aims: This study investigates the influence of Maqashid Syariah values and institutional reputation on customers’ decisions to use Marhamah Savings at Bank Sumut Syariah, Medan. Results: Using a quantitative approach and regression analysis on 100 respondents, results indicate that both Maqashid Syariah values (t = 4.875; p < 0.001) and institutional reputation (t = 4.530; p < 0.001) significantly influence product usage decisions, jointly explaining 68.3% of the variance. Novelty: This study uniquely combines two critical factors—Shariah values and reputation—on a specific Islamic savings product in a regional context, offering fresh empirical insight. Implications: Findings suggest that Islamic banks should enhance service transparency, digital innovation, and public literacy based on Maqashid Syariah to improve competitiveness and customer loyalty.Highlight : Maqashid Syariah values positively influence the decision to use Marhamah Savings. Institutional reputation strengthens customer trust in Islamic banking products. Both factors together contribute significantly (68.3%) to usage decisions. Keywords : Maqashid Syariah, Institutional Reputation, Usage Decision, Marhamah Savings, Islamic Banking
Co-Authors Ahmad Perdana Indra Mega Indah Lestari Miftahul Jannah Nurwani Nurwani