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All Journal Majapahit Journal of Islamic Finance and Management Majapahit Journal of Islamic Finance dan Management Danadyaksa: Post Modern Economy Journal
Demila, Demila
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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Analysis of Gempol Muslim Society’s Interest on The Use of E-Toll Card Azizah, Zumrotul; Demila, Demila
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.2

Abstract

This research is motivated by problems often occuring on toll roads, especially during transactions at the gate. Transactions that occur between officers and drivers take a long time because toll officials have to check the origin of the vehicle to determine the rate, then calculate the change. To anticipate congestion on toll roads, especially during peak days and hours because the queues at the toll booths are too long, a higher speed is required in making toll payments using the electronic toll service (e-Toll) at the Automatic Toll Gate (GTO). This research is a qualitative research, the data is obtained by natural setting. Data collection techniques were carried out by observation, interviews and documentation. The outline in collecting the data is that the author will find out about whether the Muslim community of Gempol knows about the e-Toll card, the community uses e-Toll for what reasons, then the researcher will find out the extent of interest in using e-Toll cards in the region of Gempol. The results showed that; first, the interest of the Gempol Muslim community in using e-Toll cards is still low because it is far from the target number. According to predictions of Jasa Marga employees, it still reached 17 percent as of January 2018, while the target figure is 100 percent. In addition, there are also many pros and cons of the bank's new product in the form of e-Toll. E-Toll card has no significant relationship with reducing congestion, although as of October almost 100% of toll gates in Indonesia use GTO, but for congestion it could be due to vehicle volume, road engineering, accidents, narrowing of lanes, reduction of lanes, number of gates tolls, and the number of toll gates opened. Second, the factors influencing the Muslim community of Gempol on the use of e-Toll cards are government regulations, the influence of advertisements and the public feel the benefits obtained from e-Toll.
Analysis of Gempol Muslim Society’s Interest on The Use of E-Toll Card Azizah, Zumrotul; Demila, Demila
Majapahit Journal of Islamic Finance and Management Vol. 1 No. 1 (2021): Islamic Finance and Management
Publisher : Department of Sharia Economics Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v1i1.2

Abstract

This research is motivated by problems often occuring on toll roads, especially during transactions at the gate. Transactions that occur between officers and drivers take a long time because toll officials have to check the origin of the vehicle to determine the rate, then calculate the change. To anticipate congestion on toll roads, especially during peak days and hours because the queues at the toll booths are too long, a higher speed is required in making toll payments using the electronic toll service (e-Toll) at the Automatic Toll Gate (GTO). This research is a qualitative research, the data is obtained by natural setting. Data collection techniques were carried out by observation, interviews and documentation. The outline in collecting the data is that the author will find out about whether the Muslim community of Gempol knows about the e-Toll card, the community uses e-Toll for what reasons, then the researcher will find out the extent of interest in using e-Toll cards in the region of Gempol. The results showed that; first, the interest of the Gempol Muslim community in using e-Toll cards is still low because it is far from the target number. According to predictions of Jasa Marga employees, it still reached 17 percent as of January 2018, while the target figure is 100 percent. In addition, there are also many pros and cons of the bank's new product in the form of e-Toll. E-Toll card has no significant relationship with reducing congestion, although as of October almost 100% of toll gates in Indonesia use GTO, but for congestion it could be due to vehicle volume, road engineering, accidents, narrowing of lanes, reduction of lanes, number of gates tolls, and the number of toll gates opened. Second, the factors influencing the Muslim community of Gempol on the use of e-Toll cards are government regulations, the influence of advertisements and the public feel the benefits obtained from e-Toll.
The Role of PT. Permodalan Nasional Madani (PNM) Mekaar Syariah in Increasing the Income of Housewives of Ultra Micro Businesses (UMi) Demila, Demila; Sundari, Sundari
Danadyaksa: Post Modern Economy Journal Vol. 1 No. 1 (2023): Post Modern Economy Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/danadyaksa.v1i1.7

Abstract

Indonesia’s economic category in 2020 shows that the lower middle economic level reached 78%. Ultra micro business is a business run by the lowest level of business actors, where many of these positions are occupied by women, the percentage reaches 95% and 5% is achieved by men. Lack of public understanding of business education and the lack of business capital, PT. Permodalan Nasional Madani is present as one of the institutions that provides facilities through the Mekaar Syariah program in an effort to increase the family income of ultra-micro business actors. This research aims to determine the role of PT. Permodalan Nasional Madani’s Mekaar Syariah program in increasing the income of ultra-micro business owners. This research is a type of qualitative research with a case study approach and is descriptive in nature. The data sources taken are primary and secondary data sources. The data collection techniques used in this research are observation, interviews, and documentation. The role of PT. PNM Mekaar Syariah has been trusted by customers to increase the income of Ultra Micro business actors through the capital provision program provided. This is proven by customer continuity in financing.
Co-Authors Azizah, Zumrotul Sundari Sundari