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All Journal EKSYA: Jurnal Ekonomi Syariah Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce
Diajeng Regita Nandani
Unknown Affiliation
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PERANAN PERBANKAN SYARIAH DALAM PEMBERDAYAAN USAHA MIKRO KECIL DAN MENENGAH MENURUT EKONOMI SYARIAH Novitri Ramadhani; Diajeng Regita Nandani; Dini Lestari
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1161

Abstract

In the Indonesian economy, micro, small and medium enterprises are the business group that has the largest number of business actors. Not only that, this group has proven to be resilient to various shocks from the economic crisis. So it is really important to strengthen the MSME group which will certainly involve many parties because the MSME sector itself contributes greatly to employment, improves welfare, reduces the unemployment rate and later eradicates poverty. The characteristics of Islamic banking are far different from conventional banking which uses an interest system, because Islamic banking is based on profit sharing which is developed through both musyarakah and mudharabah financing products. With the presence of Islamic banking, it is hoped that it will have a positive impact on the growth of the real sector. One of the businesses that need to be developed is Micro, Small and Medium Enterprises.
PERAN DIGITALISASI TEKNOLOGI INFORMASI DALAM PROSES PENGEMBANGAN E-COMMERCE DI ERA 4.0 DAN SOCIETY 5.0 Novitri Ramadhani; Diajeng Regita Nandani; Fachri Arrizki; Nurbaiti
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 1 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i1.1183

Abstract

Limited sales activities have prevented a number of industries from developing properly. The size of the mobility and the liberalization of buying and selling, caused several parties to innovate to expand the market. The existence of E-Commerce can be a goal to produce a system that can provide convenience in introducing a product that you want to market. Expanding the reach of market share and ways to increase sales mobility by using ways to build an interactive communication relationship with consumers (customers). The results of the E-Commerce system design are expected to be able to display various information about the products sold by manufacturers. The E-Commerce sales system no longer only focuses on the local community, but can also serve foreign markets because of its unlimited reach through social media. The E-Commerce system makes it easy for visitors, in this case e-Commerce is designed to have a contribution in order to be able to solve problems to provide guaranteed information services that are closer to consumers (customers), display certain messages in providing directions to visitors, prospective buyers can make the order process, payment can be via transfer, cash on delivery and PayPal, and payment confirmation that has been made can be via contact person or via email. This fact can expand the reach of market share and also foster global competitiveness because the sales system is no longer limited to certain regions
Analisis Penerapan Prosedur Pembiayaan Gadai Emas di BSI KCP Medan Padang Bulan Diajeng Regita Nandani
Digital Bisnis: Jurnal Publikasi Ilmu Manajemen dan E-Commerce Vol. 3 No. 1 (2024): Maret : Digital Bisnis : Jurnal Publikasi Ilmu Manajemen dan E-Commerce
Publisher : Universitas 45 Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30640/digital.v3i1.2325

Abstract

The aim of this research is gold pawn financing, a financing option with gold security attached to a contract that sharia banks provide for production and consumption. Rahn, the collateral will be safeguarded by the bank. a specific amount of time. In this research, the research approach applied is qualitative. Qualitative research is described as research that is postpositivist in orientation and takes place in a natural environment. In this research, the descriptive approach is a data analysis technique that is carried out by summarizing or explaining data without trying to generalize it. This kind of study is known as field research, which is studies that are thorough, factual and descriptive in accordance with the problems raised. explain precisely the circumstances, nature and relationships between the phenomena studied. Considering that the selling price of gold is still relatively high, gold can offer generally constant value and the possibility of future income. Customers who try to pawn (rahn) gold are driven by several needs. Before paying a minimum of 50% of the gold price and as much as 85% to 90% of the bank's assessed gold price, the Islamic bank, which acts as a gold buyer, will evaluate the value of the customer's gold.
Co-Authors Dini Lestari Fachri Arrizki Novitri Ramadhani Nurbaiti