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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

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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.
Peran Perempuan dalam Pengembangan Wakaf di Persyarikatan Muhammadiyah DIY Fitria Nurma Sari; Hilma Fanniar Rohman
JURNAL ILMIAH EDUNOMIKA Vol 8, No 3 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i3.14811

Abstract

The main contribution of this research is to reveal the fundamental factors that influence women's intentions in distributing their waqf through the Muhammadiyah organization. The strong reason this research was carried out was because of the potential of waqf assets that could still be optimized to improve social welfare, economic empowerment and infrastructure development. If the biggest influencing factor for a person, especially women, in distributing waqf in the Muhammadiyah organization can be researched, it will be able to help the Muhammadiyah Association and similar organizations to better understand the role of women, especially in the aspect of waqf development, and design more inclusive strategies to encourage greater women's participation. in future waqf activities. The type of research used is field research with quantitative research methods. The data used is primary data using a questionnaire technique which was distributed to 30 female wakif respondents who had the intention to donate to the DIY Muhammadiyah Association. The number of variables studied is 7 variables, which are the dependent variables, namely understanding of waqf products, religiosity, transparency of financial reports, reputation of the Institution, ease of access, loyalty as a member as well as the variable interest in waqf as the independent variable. The sampling method in this research used a sampling technique, namely purposive sampling of female waqifs who were members of the Muhammadiyah DIY organization. The analysis method uses descriptive statistics and inferential statistics as well as multiple linear regression analysis with SPSS 26.0 software. The results of this research show that the variables influencing understanding of waqf products, religiosity, transparency of financial reports, reputation of the institution, program innovation, ease of access, and aspects loyalty as a member have a significant effect on interest in waqf with a significance value of 0.030 which is smaller than the significance used. namely 0.05 or 5%. Partially, the variables understanding waqf products, religiosity, ease of access, and the variable loyalty as a member have a significant effect on interest in waqf, while other variables such as transparency of financial reports, and institutional reputation variables do not have a significant effect on interest in waqf.