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PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN UMKM DI KECAMATAN LEUWILIANG (STUDI KASUS BPRS AMANAH UMMAH) Linda Novita; M. Kholil Nawawi; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 5, No. 2 (2014)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v5i2.324

Abstract

This study aims to determine the effect of murabaha financing to the growth of the customer's business. This growth can be seen from the number of customers each month income. This research is a study using a quantitative approach. The number of respondent of this study is 30 costumer of BPRS Amanah Ummah in Leuwiliang. The collection of data obtained from the two types of data are primary and secondary data is by using interviews and data were obtained from the BPRS Amanah Ummah. The technique used in this study is a sampling technique by taking a sample of a population. Analysis of data using correlation analysis, i.e. used to determine the relationship between the variables studied. The results showed that the utilization of murabaha financing to the development of the customer's business has a positive and significant impact to the value of r product moment, that is df = (N - nr) df = 30-2 = 28. It can be stated with df of 28 at the significant level of 5% was obtained r table at 0,361 and at significant level of 1% was obtained r table at 0.423. Thus due ro r xy or greater than r table is (0.98) and (0.98) at significance level of 5% and 1%, by the significant level of 5% can be known of the relationship between murabaha financing with the development of UMKM, and at significant level of 1% can be found a positive relationship between murabaha financing the development of UMKM.
ANALISIS IMPLEMENTASI TAKE OVER PADA PEMBIAYAAN HUNIAN SYARIAH STUDI KASUS PADA BANK BJB SYARIAH CABANG CIBINONG Yunita Maulida; Ahmad Sobari; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 12 No. 1 (2021)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v12i1.795

Abstract

Various factors that underlie customers transfer their KPR, ranging from customers reasons who feel that they have been disappointed to customer concerns about the uncertainty of the amount of mortgage installments at conventional banks, resulting in increased installments to be paid, as well as the customers desire to obtain additional ceiling amounts from previous loans. This research uses descriptive qualitative research methods. In this study using a conceptual approach which then used a field approach. Data collection using various methods, namely by collecting data directly from the field and also literature study. Data analysis in this research is descriptive analysis method. The results of the research show that the terms and procedures for debt transfer are based on sharia principles and in accordance with the contract provided by the bank by completing administrative requirements and carried out according to predetermined procedures. In the Cibinong branch of sharia Bjb Bank, in the case of mortgage take-over, it uses a mutanaqisah musyarakah agreement. Because this contract allows the provision of a longer financing period than murabahah financing. Fluctuating conventional bank interest rates make customer financing installments erratic and the “migrating” lifestyle is a trigger factor for customers to take over their financing.
STRATEGI IMPLEMENTASI PENGELOLAAN CASH WAQF LINKED SUKUK DALAM MENDUKUNG PEMBANGUNAN EKONOMI UMAT : PENDEKATAN ANALYTIC NETWORK PROCESS (ANP) Magfirah Maulidia Putri; Hendri Tanjung; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq : Jurnal Ekonomi Islam, Vol. 11 No. 2 (2020)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v11i2.836

Abstract

Cash Waqf Linked Sukuk is a new creative financing in productive waqf program. The presence of CWLS is the result of the initiation of the Productive Waqf Forum to support the development of the potential for cash waqf in Indonesia that has not been maximized. BI as a mediator between BWI and the Ministry of Finance is collaborating to combine cash waqf and sukuk which will result in risk-free investment. Indonesia as the largest Muslim majority population in the world has a high interest in world investment, that Indonesia is one of the fastest growing countries in the issuance of sukuk. This shows a huge untapped potential. Especially based on data published in the 2018 CAF World Giving Index, Indonesia is ranked first in terms of generosity. This data reinforces that social finance and Islamic public finance can be improved to help others. To get out of the world ranking as the 92nd happiest country, its population must be supported by increasing the economic development of the Ummah. CWLS is the right solution, but since the launch of this instrument, the government has not been able to implement the management of CWLS so that the benefits have not been felt by the community. Then what makes this sharia public instrument not collected optimally. If you look at the potential that exists from various perspectives both in Islamic finance, Islamic social finance, the majority of religions and human behavior, this is not yet in harmony with world investment and investment in the hereafter. Therefore, the author chose the Analytic Network Process (ANP) with the problem-solution method, to identify problems, solutions, and strategies according to the perspective of experts, practitioners in maximizing funds in order to create the implementation of CWLS management.
STRATEGI PEMASARAN FUNDING OFFICER DALAM MENINGKATKAN MINAT NASABAH DI BPRS AMANAH UMMAH Abdul pauji; M. Kholil Nawawi; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq, Vol. 6, No. 2 (2015)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v6i2.314

Abstract

The purpose of this study was to determine the Marketing Strategy Funding Officer in collecting funds, factors that influence increased interest of customers, and how the impact of marketing strategies to increase customer interest in BPRS Amanah Ummah.  The existence of the strategy is critical in marketing the product. No matter how good segmentation, target market, and market position that is done, it will not run if it is not followed with the right strategy. Strategies are the steps that must be executed by a company to achieve the goal. Marketing is a process of which is influenced by various factors, such as social, cultural, political, economic, and managerial.  The marketing strategy is the steps undertaken to take decisions carefully in order to get the goals and objectives to be achieved by taking into account environmental conditions, as well as preparation for readinessreadiness that will be done later. All these things are done to get the desire and need to be achieved.  This study used a qualitative approach with descriptive analysis approach, i.e. an approach that reveals the particular social situation by describing the reality correctly, formed by the words based on the technique of collecting the relevant data obtained from the natural situation. The study design can not be ascertained at the beginning given the data used is still raw so that researchers do not know for certain conditions on the ground. The process of data collection, among others, in the form of an interview with the Funding Officer (Fo Marketing) and the customer, documentation and archives BPRS Amanah Ummah.  The results obtained from this study is the implementation of the marketing strategy undertaken by funding officer gives good results, the results are done in the field, satisfaction, and good service, and marketing mix strategy applied run in accordance with the goals and objectives. Marketing mix consists of Product, Price, Place, Promotion and Service. All of these are applied in order to achieve an increase in customer interest in BPRS Amanah Ummah in saving as well as other transactions.
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT NASABAH DALAM MEMILIH PEMBIAYAAN AKAD MURABAHAH Fairuz Madinah; Ikhwan Hamdani; Hilman Hakiem
Al-Infaq: Jurnal Ekonomi Islam Al-Infaq: Jurnal Ekonomi Islam, Vol. 14, No. 1 (2023)
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/ajei.v14i1.1955

Abstract

This study aims to determine the effect of service, promotion, and location on customer interest in choosing murabahah contract financing at BTN Syariah Kcps. Cibinong. The method used is descriptive quantitative. Data collection in this study used a questionnaire in the form of a questionnaire distributed to BTN Syariah Kcps customers. Cibinong which uses murabaha financing. The number of respondents in this study were 40 respondents. The data analysis method used is Structural Equation Modeling (SEM) with the Partial Least Square (PLS) approach. The results of this study indicate that 4 (25%) indicators fall into the very good perception category, and 12 (75%) indicators fall into the good perception category. It was also found that service and location factors had a positive but not significant effect on customer interest in choosing murabahah contract financing as evidenced by looking at the significance value <0.05 (0.783>0.05) for the service factor and 0.451>0.05 for the location factor, while Promotional factors have a positive and significant effect on customer interest in choosing murabahah contract financing as evidenced by a significance value <0.05 (0.039<0.05).
VIEW OF ISLAMIC LAW AND CIVIL LAW ON THE DIVISION OF JOINT PROPERTY POST-DIVORCE Al Alawi, Mubayyin; Arif, Suyud; Hakiem, Hilman
Mizan: Journal of Islamic Law Vol 7, No 2 (2023): Mizan: Journal of Islamic Law
Publisher : Fakultas Agama Islam Universitas Ibn Khaldun Bogor, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32507/mizan.v7i2.2356

Abstract

Abstract: Joint property is property acquired either individually or jointly by the husband and wife during the marriage bond, regardless of the name of the item. The purpose of this research is to find out the distribution of joint assets after divorce according to Islamic law and civil law and the benefits of the research that the results of this research can provide knowledge for academics in studying law, especially marriage law. For the community as information material or input for the process of fostering legal awareness for the community to minimize the occurrence of disputes regarding the distribution of joint assets. The research method used in this writing is library research using descriptive qualitative methods or library research. The results of this study indicate that in civil law and Islamic law it is emphasized that a divorced husband and wife are each entitled to half of the joint property. only in the Civil Code there is a clause namely "without questioning which party the property comes from" this shows that the wife and husband have the same contribution to the existence of property in their marriage. We recommend that the division of joint assets be done fairly, so as not to cause injustice between what is the right of the husband and what is the right of the wife. If there is a dispute between husband and wife regarding joint property, then the settlement of the dispute is submitted to the court. Settlement through court is an option. Provisions regarding the distribution of joint assets are based on conditions accompanying a marriage relationship, such as death, divorce, and so on.Keywords : Distribution, Joint Property, Islamic Law, Civil Law
Tinjauan Terhadap Proses Klaim Asuransi Jiwa Kumpulan Pada PT. Asuransi Syariah Keluarga Indonesia Hasanah, Rian; Hamdani, Ikhwan; Hakiem, Hilman
Ekonomi Islam Vol. 9 No. 2 (2018): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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

Abstract

This research aims to determine how the claims process of life insurance group at PT. Asuransi Syariah Keluarga Indonesia and the cause of postponed and rejected claims. Type of the research used descriptive qualitative research. The result of the research showed that in general there are four claims process, notification process, evidence of claim document, claim investigation and claim settlement. Those four processes that PT. Asuransi Syariah Keluarga Indonesia applied are simple and easy. The claim investigation conducted if at the time of verification found irrelevant data. The cause of the postpone claims is the lack of documents that the institution gave to the insurance company, so the claim must be postponed until the file is completed at a predetermined time. The cause of the claim being rejected is the policy status is not active, the participant is not a member, contravene "utmost good faith” principle, etc. Keyword: Life Insurance Group, Process, Claims.
Tinjauan Terhadap Proses Klaim Asuransi Jiwa Kumpulan Pada PT. Asuransi Syariah Keluarga Indonesia Hasanah, Rian; Hamdani, Ikhwan; Hakiem, Hilman
Ekonomi Islam Vol. 9 No. 2 (2018): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof DR HAMKA

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

Abstract

This research aims to determine how the claims process of life insurance group at PT. Asuransi Syariah Keluarga Indonesia and the cause of postponed and rejected claims. Type of the research used descriptive qualitative research. The result of the research showed that in general there are four claims process, notification process, evidence of claim document, claim investigation and claim settlement. Those four processes that PT. Asuransi Syariah Keluarga Indonesia applied are simple and easy. The claim investigation conducted if at the time of verification found irrelevant data. The cause of the postpone claims is the lack of documents that the institution gave to the insurance company, so the claim must be postponed until the file is completed at a predetermined time. The cause of the claim being rejected is the policy status is not active, the participant is not a member, contravene "utmost good faith” principle, etc. Keyword: Life Insurance Group, Process, Claims.
Pengaruh Jumlah Pendaftar terhadap Jumlah Mahasiswa Baru di Fakultas Agama Islam Universitas Ibn Khaldun Bogor Hakiem, Hilman; Wicaksono, Matius Rangga
Mimbar Kampus: Jurnal Pendidikan dan Agama Islam Vol 23 No 1 (2024): Mimbar Kampus: Jurnal Pendidikan dan Agama Islam
Publisher : Fakultas Tarbiyah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/mk.v23i1.3852

Abstract

One of the essential stages in the world of education is Higher Education. UIKA Bogor is one of the private universities in Bogor City. FAI is the largest faculty in terms of the number of students at UIKA Bogor. The number of applicants is an important element in determining the size of the number of new students admitted. The purpose of this research is to find out how real the effect of the number of applicants is on the number of new students at FAI-UIKA Bogor based on data 2014/2015 to 2020/2021. The method used is simple linear regression. By using the Minitab 19 software, the results showed that the number of applicants had a significant effect on the number of new students. Every increase of 1 registrant will increase the number of new students by 0.4476. The variable number of registrants can explain 83.27% of the data diversity. Keywords: FAI-UIKA Bogor, number of applicants, number of new students
Asosiasi Lama Studi dan IPK pada Mahasiswa Aktif Program Studi Ekonomi Syari’ah FAI-UIKA Bogor Semester Genap 2022/2023 Hakiem, Hilman; Kartika, Tika; Satria Ramdani, Muhamad
Mimbar Kampus: Jurnal Pendidikan dan Agama Islam Vol 23 No 1 (2024): Mimbar Kampus: Jurnal Pendidikan dan Agama Islam
Publisher : Fakultas Tarbiyah IAI Nasional Laa Roiba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/mk.v23i1.6039

Abstract

The aim of this research is to determine the association between length of study and CGPA among active students of the Sharia Economics Study Program, Faculty of Islamic Studies, University of Ibn Khaldun Bogor, even semester 2022/2023. The method used in this research is Chi-Square, namely to determine whether there is an association between the two variables studied, in this case length of study and GPA. It was found that the calculated results X2count < X20.05 (2) (1.1067 < 5.591), then accepted H0, which means that there is no association between length of study and CGPA for active students of the Sharia Economics Study Program, Faculty of Islamic Studies, University of Ibn Khaldun Bogor, even semester 2022/2023.
Co-Authors Abdul pauji Abdus Salam Ade Lia Ahmad Faisal Ahmad Hamdan Mushaddiq Ahmad Mulyadi Kosim Ahmad Sobari Ahmad Sobari Al Alawi, Mubayyin Aldeana Meliani Amran Desi Silfiaratih Waluyo Dewi Pitriani Dita Hildayatni Dwi Lia Rosalianti Fairuz Madinah Fanika Selvianti Farhan Dwi Aditya H. M. Kholil Nawawi Hambari, Hambari Hasanah, Rian Hendri Tandjung Hendri Tanjung Hildayatni, Dita Hilyatul Diniyah Ibdalsyah Ibdalsyah Idqan Fahmi Ikhwan Hamdani Ilham, Muhamad Sihabudin Imas Kania Rahman Irfan Syauqi Beik Kholil Nawawi Lili Diayana Fitri Linda Novita Linda Novita Lula Akmal Afifah Lusiyaningsih M. Dahlan R. M. Kholil Nawawi M. Kholil Nawawi Maesari Maesari Maesari, Maesari Magfirah Maulidia Putri Mahardika Ramadhan Maryati Maryati Melda Amelia Putri Mohamad Syahril Muharram Mohammed Samsul Hidayat Muhammad Danuludin Muhyani, Muhyani Muthmainah, Liska Mutiara Putri Riany Nawawi, M. Kholil Nawawi, M. Kholil Nia Ruhaniah Nida Fitri Yansyah Niken Febiana Nirwan Syafrin Nufus, Fika Pijaki Nurul Ismailiah Oking Setia Priyatna Pahmi Soleh Hasan Paramita, Sinta Pauji, Abdul Putra, Ari Andika Qurroh Ayuniyyah Rasi Magi Akhsya Ratu Balqis Sholiha Retno Triwoelandari Rian Hasanah Rismayanti Lubis Rizkha Amalia Anjani Salati Asmahasanah Sanusi, Muhammad Samsul Hidayatullah Satria Ramdani, Muhamad Sa’diyah, Maemunah Silfiaratih Waluyo, Desi Sinta Paramita Siti Afifah Siti Halimah Siti Herawati Sri Nurul Milla Suhendra Suhendra Sutisna Sutisna Sutisna Sutisna Suyud, Suyud Syarifatul Muawanah Tika Kartika Triwoelandari, Retno Wicaksono, Matius Rangga Yayik Maulani Nursantia Yayu Siti Nurgilang Yunita Maulida