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All Journal Journal of Sharia Economic Law
Rachmawaty, Aprillia
Unknown Affiliation
Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Analysis of the Selling Price Determination Mechanism at Surya Mart Ponorogo Supermarket in the Perspective of Sharia Economics Rachmawaty, Aprillia; Fikriawan, Suad Fikriawan
Journal of Sharia Economic Law Vol 2 No 1 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v2i1.5756

Abstract

Business is an activity of producing, distributing and selling goods or services needed by humans as consumers, with the main goal being to obtain financial benefits or profits The emergence of modern markets as shopping centres provides new practices in buying and selling activities The benefits of the research provide new knowledge and treasures both internally and externally in analysing the mechanism of determining selling prices at Toko Surya Mart. This research uses a descriptive qualitative approach because it provides a comprehensive and detailed picture of the social situation, both in the context of time and the relationship between various aspects In addition, this approach allows the discovery of patterns of relationships between various aspects, as well as providing opportunities to identify new hypotheses and theories. And the results stated that the odd nominal mechanism can be said to be not at the stage according to Islamic principles. Because the nominal determination does not have similar physical fractions. And this determination does not apply properly in the sharia element because there is no clarity. What will cause a conflict with the principles of sharia economics is that the application of honest trading, the existence of clarity is not detrimental. Results in trading activities are expected to be unbiased or only one party feels the benefit.
Analysis of the Selling Price Determination Mechanism at Surya Mart Ponorogo Supermarket in the Perspective of Sharia Economics Rachmawaty, Aprillia; Fikriawan, Suad Fikriawan
Journal of Sharia Economic Law Vol. 2 No. 1 (2024)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/jshel.v2i1.5756

Abstract

Business is an activity of producing, distributing and selling goods or services needed by humans as consumers, with the main goal being to obtain financial benefits or profits The emergence of modern markets as shopping centres provides new practices in buying and selling activities The benefits of the research provide new knowledge and treasures both internally and externally in analysing the mechanism of determining selling prices at Toko Surya Mart. This research uses a descriptive qualitative approach because it provides a comprehensive and detailed picture of the social situation, both in the context of time and the relationship between various aspects In addition, this approach allows the discovery of patterns of relationships between various aspects, as well as providing opportunities to identify new hypotheses and theories. And the results stated that the odd nominal mechanism can be said to be not at the stage according to Islamic principles. Because the nominal determination does not have similar physical fractions. And this determination does not apply properly in the sharia element because there is no clarity. What will cause a conflict with the principles of sharia economics is that the application of honest trading, the existence of clarity is not detrimental. Results in trading activities are expected to be unbiased or only one party feels the benefit.
The Influence of Express Microfinance in Improving the Welfare of Market Traders (Case Study of Bank Mitra Mentari Sejahtera Ponorogo) Sa’diyah, Robingatus; Rachmawaty, Aprillia; Candra Setiawan, Muhammad
Journal of Sharia Economic Law Vol. 3 No. 2 (2025):
Publisher : Institut Agama Islam Sunan Giri Ponorogo

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

Abstract

Usury-based financing practices through loan sharks or thithil banks are still common among traditional market traders. This situation prompted PT. BPRS Mitra Mentari Sejahtera Ponorogo to launch the Micro Express Financing (ME) product in May 2019 as a sharia-based financing alternative. This study aims to analyze the background, mechanisms, financing contracts, and impact of Micro Express Financing on market traders. This study was field research using a descriptive qualitative approach. Data were obtained through interviews with the bank, specifically Micro Field Officers (PLM), Micro Express financing customers, as well as observation and documentation. The results indicate that Micro Express Financing uses a murabahah contract, which aligns with the business characteristics of market traders. Simple procedures, fast disbursement, no collateral, and a proactive service system are key factors in attracting customers. This financing has positive impacts in terms of increased liquidity, business development, and helping market traders gradually move away from usury practices. However, challenges include irregular installment payments and low customer financial literacy.
Co-Authors Candra Setiawan, Muhammad Fikriawan, Suad Fikriawan Sa’diyah, Robingatus