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Nuni Oktaviani
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Pengaruh Efektifitas Pembiayaan Murabahah Terhadap Tingkat Pendapatan Nasabah Nuni Oktaviani
Khulasah : Islamic Studies Journal Vol. 1 No. 1 (2019): Khulasah Islamic Studies Journal
Publisher : LPPM STAIS Dharma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/kisj.v1i1.119

Abstract

Murabahah financing is financing with a sale and purchase agreement in a financial institution shown to the seller and buyer. The selling price is the purchase price plus the profit. The financial institution must state the actual price and state the profit determined according to the agreed percentage. Payment can be made by paying fixed installments according to the agreed amount until the specified time period. The main problem in this research is: "Murabahah financing distributed to large customers, but why is the customer's income level still low?" "Based on the existing problems, the researchers conducted research with the title "The Effect of Murabahah Financing Effectiveness on Customer Income Levels" (Case study at BMT AL-Falah Sumber Cirebon Regency). The discussion in this research uses quantitative descriptive methods. The descriptive meaning is: "Research is intended to investigate circumstances, conditions, situations, events, activities and other things, the results of which are presented in the form of a research report." Population is a generalized area consisting of: objects/subjects that have certain qualities and characteristics determined by the researcher to be studied and conclusions drawn." The population used in this research is customers who use murabahah contracts, namely 560 customers. To determine the sample, the researcher selected 10% of the existing population. Thus, the number of samples in this study is: 560 x 0.10 = 56, or the sample in this study is 56 people. Based on the results of the research conducted, conclusions can be drawn. The effectiveness of murabahah financing has a significant influence on the level of customer income in Baitul Maal wa Tamwil Al-Falah Sumber Cirebon Regency. It is proven from the calculation results of t_count > t_table, namely 6,625 > 2,000. The results of the coefficient of determination test show that the level of customer income can be explained by the effectiveness of murabahah financing by 44.8%, while the remaining 55.2% is influenced by other variables not included in this research.
Persepsi Masyarakat Desa Terhadap Perbankan Syariah di Kabupaten Indramayu : (Studi pada Masyarakat Desa Langut, Kecamatan Lohbener, Kabupaten Indramayu) Nuni Oktaviani; M. Farhan Hidayat
Khulasah : Islamic Studies Journal Vol. 1 No. 2 (2019): Khulasah Islamic Studies Journal
Publisher : LPPM STAIS Dharma Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55656/kisj.v1i2.129

Abstract

The establishment of Islamic banks is an indication of the decline of the interest and usury system. This was confirmed by the issuance of the MUI fatwa (16-12-2013) regarding the prohibition of interest and usury in muamalah activities. The issuance of MUI fatwas regarding Islamic economics has had an influence in increasing the strength of the existence of sharia banking amidst the growth of banking business activities in Indonesia. The existence of banking as a financial service is based on public trust (Yadi, 2015). Understanding and outreach to the public regarding sharia banking products and systems in Indramayu Regency is still very limited. This is proven by observations made by researchers in Langut village that very few people know about sharia banking products in Indramayu. Reporting from data from the Central Statistics Agency for Indramayu Regency, it shows that Indramayu is still dominated by Muslims. This also supports the development of sharia banking in Indramayu, especially for village communities. From the background of the problems described above, problems arise which will later be used as a reference in conducting research in this matter: Various Perceptions of the Langut Village Community Regarding Sharia Banking in Indramayu Regency. The research that the researcher conducted was descriptive research with a qualitative approach. The subject of this research was a sharia bank in Indramayu. Meanwhile, the research object was the village community where the researcher took the research location in a village in Indramayu, namely Langut village, Lohbener subdistrict, Indramayu district. The public's perception of the existence of sharia banks is in the Medium category, meaning that people do not really understand what sharia banks are like, people already know about sharia banks but don't understand them, they just know, people still have the opinion that sharia banks are no different from conventional banks. , the public does not yet understand what the advantages of Islamic banks are compared to conventional banks. This can be seen through the continuum line, the score obtained for public perception of the existence of Islamic banks is 1,781 with a percentage of 59.36% of the expected ideal score of 3,000.
Co-Authors M. Farhan Hidayat