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All Journal Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) Cross-Border Journal of Business Management
Sumar'in
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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PENGARUH PEMBIAYAAN MURABAHAH TERHADAP PERKEMBANGAN USAHA MIKRO (Studi pada Unit Pengelola Kegiatan Kecamatan Semparuk) Safitri, Raya; Sumar'in
Sebi : Studi Ekonomi dan Bisnis Islam Vol. 6 No. 1 (2024): Jurnal Studi Ekonomi dan Bisnis Islam (SEBI)
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/sebi.v6i1.2511

Abstract

The Semparuk District Activity Management Unit (UPK) is an institution engaged in empowering rural communities, channeling financing to communities who need capital to run their businesses. The form of implementation of sharia financing is the principle of buying and selling based on a Murabahah contract and equipped with a Wakalah contract. The purpose of this study was to determine whether or not there is a positive or significant relationship between the effect of murabahah financing on the development of micro-enterprises. The theory used in this study is: 1) Murabahah Financing, 2) Micro Enterprises. This study uses a quantitative approach. Based on the results of simple linear regression analysis, it is known that there is a significant positive effect between murabahah financing on the development of micro-enterprises in the Semparuk District Activity Management Unit (UPK). This is shown by the results of the t test where the tcount value is 9,222 and the ttable value is 1.663. Therefore the value of tcount > ttable. Based on the results of the Coefficient of Determination (R²) test, the R Square value was 0.506. This shows that business development is affected by murabahah financing by 50.6% while the remaining 49,4% is influenced by other factors not discussed in this study. Thus it can be concluded that Ha is accepted and Ho is rejected.
ANALISIS PENGARUH KUALITAS PELAYANAN DAN KEPERCAYAAN TERHADAP KEPUASAN MUZAKKI PADA BAZNAS KABUPATEN SAMBAS Ronaldi; Sumar'in; Neli
Cross-Border Journal of Business Management Vol. 5 No. 1 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

Zakat has the potential if it is, well developed, so that in the end it will be able to improve the community’s economy. Zakat is the basic principle for upholding the social structure in Islam, zakat is not charity or alms, zakat is an orderfrom Allah that must be carried out, for this reason Allah SWT esthabilises the pillars of Islam which are obligations and must be obeyed by every human being. The lack of community trust and statisfaction or muzaki is a problem for BAZNAS in Sambas regency. Most of the muzakki pay zakat directly to mustahik instead of having to pay zakat directly to BAZNAS Sambas regency, for fear that the zakat money will be misappropriated and fear that the funds will not be channeled properly.This study aims to analyze the effect of muzakki’s statisfaction and trust on the quality of BAZNAS services. This study aims to analyze the influence of satisfaction and trust of muzakki on the quality of BAZNAS services. This study is a study that uses a quantitative approach with a survey research type. The data used are primary data obtained tested with validity, reliability, classical assumption tests and then analyzed using multiple linear regression analysis techniques, T tests and F tests. The results of the study indicate that service quality does not affect the satisfaction of muzakki at BAZNAS Sambas Regency, the results of the T test, the calculated T value is 1.376 < the T table value of 1.990. Trust affects the satisfaction of muzakki at BAZNAS Sambas Regency, the results of the T test, the calculated T value is 2.730> the T table value of 1.990. Simultaneously, service quality and trust simultaneously have a positive and significant effect on the satisfaction of muzakki at BAZNAS Sambas Regency, the calculated F value is 4.767 l> from the F table of 3.11
PENGARUH PEMBIAYAAN MUDHARABAH DAN PEMBIAYAAN MUSYARAKAH TERHADAP TINGKAT PROFITABILITAS PADA PT. BANK SYARIAH INDONESIA (BSI) PERIODE TAHUN 2021-2023 Wulandari; Sumar'in
Cross-Border Journal of Business Management Vol. 5 No. 1 (2025): Cross-Border Journal of Business Management
Publisher : Institut Agama Islam Sultan Muhammaad Syafiuddin Sambas

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Abstract

Profitability is a ratio that looks at a company's ability to generate profits. Sharia banking is an institution that provides sharia banking services based on sharia principles. This research aims to determine the effect of mudharabah and nausyarakah financing on the level of profitability at PT. Bank Syariah Indonesia, Tbk period talfun 2021-2023. This research is a quantitative research with the data source used is secondary data obtained through the official website of Bank Syariah Indonesia.. The number of samples in this study was 36 samples. The analysis techniques used include statistical analysis, multiple linear regression analysis, hypothesis testing, namely the t test, using SPSS 24 analysis tools. The results of the research show that the mudharabah variable, the t-calculated results of the mudharabah variable, do not have a significant effect on ROE. The musyarakah variable from the t-calculated musyarakah variable has a significant positive effect on ROE. And by testing all the independent variables simultaneously, it was found that the influence of mudharabah and musyarakah financing on ROE is that the R Square value is 0.311, which means that the contribution of the two independent variables of mudharabah and musyarakah to ROE is 31.1%, and 68.9% of the other variables
Co-Authors Neli Ronaldi Safitri, Raya WULANDARI