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All Journal Al-bank: Journal of Islamic Banking and Finance Al-bank: Journal of Islamic Banking and Finance Saqifah: Jurnal Hukum Ekonomi Syariah
Suhatri Mariko
Sekolah Tinggi EKonomi Syariah Manna Wa Salwa
Religion Economics, Econometrics & Finance Social Sciences

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Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin Suhatri Mariko
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9264

Abstract

This study aims to analyze the role of the Sharia Microfinance Institution BMT Al Makmur in efforts to realize the economic resilience of poor families. This type of research is field research with a qualitative descriptive approach. The data sources are BMT Al Makmur Leaders and Murabahah Financing Customers. Data collection techniques are interviews and documentation. Data analysis techniques are carried out through data reduction, data display and conclusion drawing. The results showed that the presence of BMT Al Makmur as a Sharia Microfinance Institution has had a positive impact on realizing economically resilient families by managing family economic risks for the future. Through murabahah financing channeled for the purpose of purchasing gold which is used as a medium for saving money by customers, because it is believed that investment through gold is a safe and profitable investment category. The gold is used as a reserve to anticipate and fulfill needs for the future, such as the need for children's education costs, and to make their own homes.
Peran BMT Al Makmur Dalam Mewujudkan Ketahanan Ekonomi Keluarga Miskin Suhatri Mariko
Al-bank: Journal of Islamic Banking and Finance Vol 3, No 2 (2023): July - Desember 2023
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v3i2.9264

Abstract

This study aims to analyze the role of the Sharia Microfinance Institution BMT Al Makmur in efforts to realize the economic resilience of poor families. This type of research is field research with a qualitative descriptive approach. The data sources are BMT Al Makmur Leaders and Murabahah Financing Customers. Data collection techniques are interviews and documentation. Data analysis techniques are carried out through data reduction, data display and conclusion drawing. The results showed that the presence of BMT Al Makmur as a Sharia Microfinance Institution has had a positive impact on realizing economically resilient families by managing family economic risks for the future. Through murabahah financing channeled for the purpose of purchasing gold which is used as a medium for saving money by customers, because it is believed that investment through gold is a safe and profitable investment category. The gold is used as a reserve to anticipate and fulfill needs for the future, such as the need for children's education costs, and to make their own homes.
ANALISIS PERSEPSI KONVERSI KOPERASI KONVENSIONAL MENJADI KOPERASI SYARIAH (STUDI KASUS ANGGOTA KOPERASI SYARIAH PONDOK PESANTREN DINIYYAH PUTERI PADANG PANJANG) Okfi Resti; Agri Madilla; Suhatri Mariko
Saqifah: Jurnal Hukum Ekonomi Syariah Vol 8, No 1 (2023): Saqifah: Jurnal Hukum Ekonomi Syariah
Publisher : Saqifah: Jurnal Hukum Ekonomi Syariah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/sqf.v8i1.399

Abstract

Seiring perkembangan ilmu pengetahuan dan mulai menigkatnya pemahaman terhadap riba serta keinginan untuk meninggalkan praktik ribawi, pemerintah menetapkan peraturan perundang undangan tentang pelaksanaan kegiatan koperasi jasa keuangan syariah. Koperasi syariah dapat menjadi sarana untuk memudahkan masyarakat dalam melakukan simpan pinjam tanpa harus memikirkan bunga pinjaman. Metode yang digunakan adalah metode kuantitatif dengan pendekatan deskriptif, tujuan penelitian ini adalah untuk mengetahui hubungan antara persepsi terhadap konversi koperasi konvensional menjadi koperasi syariah pada Koperasi Konsumen Syariah Pondok Pesantren Diniyyah Puteri Padang Panjang.  Data yang diolah bersumber dari data primer dengan menggunakan kuesioner. Sebelum menarik kesimpulan, data dianalisis dengan beberapa tahap yaitu uji validitas dan reliabilitas, uji normalitas, uji asumsi klasik dan uji hipotesis mengunakan teknik analisis regresi sederhana. Hasil penelitian menunjukan bahwa persepsi mempengaruhi konversi koperasi konvensinal menjadi koperasi syariah, meskipun masih ada anggota yang belum paham tentang konversi koperasi konvensional menjadi koperasi syariah, namun persepsi anggota terhadap koperasi syariah bisa dinilai baik. Berdasarkan persepsi anggota koperasi kearah yang positif diharapkan dapan mempercepat laju perkembagan koperai syariah di seluruh Indonesa.
Co-Authors Agri Madilla Okfi Resti