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All Journal Jurnal Al-Iqtishad Al-Muzdahir: Jurnal Ekonomi Syariah
Mahfudloh, Filla Apriliani
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Economics, Econometrics & Finance Social Sciences

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Analisis Penggunaan Akad Kafalah bi Al Ujrah pada Produk BSI Hasanah Card di Bank BSI–KCP UINSA Surabaya Mahfudloh, Filla Apriliani; Asy'ari, Mochammad Syahrul; Huda, Bakhrul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.711

Abstract

This research aims to find out how the kafalah contract is used in BSI Hasanah Card products. The research method used is a qualitative method using a descriptive approach. The data sources used are primary data and secondary data. Primary data was obtained through a direct interview process with BSI KCP UINSA Surabaya. Secondary data was obtained from various literary sources such as books, journals, articles and other documents that support discussions related to the research theme. The results of this research show that the BSI Hasanah Card is in accordance with sharia principles. BSI Hasanah Card uses three sharia contracts, namely the kafalah bil ujrah, qard and ijarah contracts. The use of the BSI Hasanah Card places restrictions on its users by not being able to use it for types of transactions that are not in accordance with sharia. This can provide a sense of security and eliminate worry for BSI Hasanah Card users from all forms of transactions that contain elements of gharar and usury and are not in accordance with sharia provisions.
THE INFLUENCE OF INFLATION AND THE RUPIAH EXCHANGE RATE ON THE SURVIVAL OF HAJJ COSTS IN SURABAYA(2012 – 2022) Mahfudloh, Filla Apriliani; Amalina, Sayyida
Jurnal Al-Iqtishad Vol 20, No 1 (2024): Juni 2024
Publisher : Economic and Science Faculty of Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiq.v20i1.24157

Abstract

This research aims to explore the phenomenon of Hajj costs which are currently experiencing a significant increase. However, the limited departure quota causes the waiting period for departure to be very long. Less than optimal management of Hajj funds has an impact on increasing Hajj costs. The increase in the cost of Hajj is also influenced by economic and social factors, including the national inflation rate and fluctuations in the rupiah exchange rate against foreign currencies, namely the dollar. The high level of inflation affects the investments made by BPKH which is also a determining factor in the amount of Hajj Organizing Costs (BPIH). Likewise, the exchange rate of the rupiah against the US dollar as a comparative currency which is always fluctuating can cause uncertainty and instability in the economy, so that fluctuations in the value of the US dollar against the rupiah and vice versa will affect the determination of the Cost of Organizing the Hajj Pilgrimage (BPIH). This research was conducted in the city of Surabaya because Surabaya embarkation has the highest Hajj travel costs compared to other cities. This research aims to find the influence of inflation and the rupiah exchange rate on the increase in Hajj costs in Surabaya City during the 2012-2022 period. This research is quantitative research and multiple linear regression analysis techniques using secondary data sourced from BPS, Bank Indonesia, and the Ministry of Religion in the form of annual and monthly data for 2012-2022. The results of the research show that the variables inflation, the rupiah exchange rate simultaneously and significantly have an influence on the increase in the cost of Hajj in Surabaya City during the 2012-2022 period. And partially, the variables inflation and the rupiah exchange rate have a positive and significant effect on the increase in the cost of Hajj in Surabaya City for the 2012-2022 period.
Analisis Penggunaan Akad Kafalah bi Al Ujrah pada Produk BSI Hasanah Card di Bank BSI–KCP UINSA Surabaya Mahfudloh, Filla Apriliani; Asy'ari, Mochammad Syahrul; Huda, Bakhrul
Al-Muzdahir : Jurnal Ekonomi Syariah Vol. 6 No. 1 (2024): Januari : Al-Muzdahir : Jurnal Ekonomi Syariah
Publisher : Institut Pesantren Sunan Drajat Lamongan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55352/ekis.v6i1.711

Abstract

This research aims to find out how the kafalah contract is used in BSI Hasanah Card products. The research method used is a qualitative method using a descriptive approach. The data sources used are primary data and secondary data. Primary data was obtained through a direct interview process with BSI KCP UINSA Surabaya. Secondary data was obtained from various literary sources such as books, journals, articles and other documents that support discussions related to the research theme. The results of this research show that the BSI Hasanah Card is in accordance with sharia principles. BSI Hasanah Card uses three sharia contracts, namely the kafalah bil ujrah, qard and ijarah contracts. The use of the BSI Hasanah Card places restrictions on its users by not being able to use it for types of transactions that are not in accordance with sharia. This can provide a sense of security and eliminate worry for BSI Hasanah Card users from all forms of transactions that contain elements of gharar and usury and are not in accordance with sharia provisions.
Co-Authors AMALINA, SAYYIDA Asy'ari, Mochammad Syahrul Bakhrul Huda, Bakhrul Kirana, Mutiara Nasywa Maghfiroh, Fitrah Ainun Qoirunnasikin, Liwa Safitri, Puput Linanda Yunita Ardilla