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Ismal, Rifky
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Economics, Econometrics & Finance Social Sciences

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MAQASHID SHARIA AND CUSTOMER DECISIONS IN ISLAMIC HOUSING FINANCE: EVIDENCE FROM WEST JAVA Ramadhan, Fajri Haykal; Ismal, Rifky
Finansha: Journal of Sharia Financial Management Vol 5, No 2 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i2.38520

Abstract

The purpose of this study is to analyze Maqashid Sharia, specifically dharuriyat (necessities) proxied by service quality, hajiat (complementary needs) proxied by location, and tahsiniyat (embellishments) proxied by promotion, on customer decisions within the FLPP program in Islamic banking in West Java. This study adopts a quantitative research approach. Primary data were collected through a structured questionnaire, with the sampling technique employed being purposive sampling. The sample size consists of 100 customers of BJB Syariah and BTN Syariah involved in the FLPP (Housing Financing Liquidity Facility) program in West Java. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM).The study concludes that the variables dharuriyat, hajiat, and tahsiniyat significantly influence customer decisions in the FLPP program, accounting for 75.5% of the decision-making process, categorized as strong. Among these, the dharuriyat variable, represented by service quality, has the highest impact, contributing 72.5%. The findings imply that customers' decisions to secure a home through the FLPP program are primarily driven by their housing needs rather than investment motives. In contrast, the tahsiniyat variable, represented by promotion, exhibits the lowest impact at 21%. This outcome indicates that tahsiniyat elements, which enhance the aesthetic and convenience aspects of life, are not critical to fulfilling essential or complementary needs (dharuriyat and hajiat). Thus, their absence does not pose significant difficulties or threats to these core elements.
MAQASHID SHARIA AND CUSTOMER DECISIONS IN ISLAMIC HOUSING FINANCE: EVIDENCE FROM WEST JAVA Ramadhan, Fajri Haykal; Ismal, Rifky
Finansha: Journal of Sharia Financial Management Vol. 5 No. 2 (2024): Finansha: Journal of Sharia Financial Management
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/fjsfm.v5i2.38520

Abstract

The purpose of this study is to analyze Maqashid Sharia, specifically dharuriyat (necessities) proxied by service quality, hajiat (complementary needs) proxied by location, and tahsiniyat (embellishments) proxied by promotion, on customer decisions within the FLPP program in Islamic banking in West Java. This study adopts a quantitative research approach. Primary data were collected through a structured questionnaire, with the sampling technique employed being purposive sampling. The sample size consists of 100 customers of BJB Syariah and BTN Syariah involved in the FLPP (Housing Financing Liquidity Facility) program in West Java. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM).The study concludes that the variables dharuriyat, hajiat, and tahsiniyat significantly influence customer decisions in the FLPP program, accounting for 75.5% of the decision-making process, categorized as strong. Among these, the dharuriyat variable, represented by service quality, has the highest impact, contributing 72.5%. The findings imply that customers' decisions to secure a home through the FLPP program are primarily driven by their housing needs rather than investment motives. In contrast, the tahsiniyat variable, represented by promotion, exhibits the lowest impact at 21%. This outcome indicates that tahsiniyat elements, which enhance the aesthetic and convenience aspects of life, are not critical to fulfilling essential or complementary needs (dharuriyat and hajiat). Thus, their absence does not pose significant difficulties or threats to these core elements.
DAMPAK KEBIJAKAN KSSK DALAM PEMULIHAN EKONOMI NASIONAL TERHADAP PEDAGANG PASAR TRADISIONAL DI SUMATERA UTARA Harahap, Muhammad Ikhsan; Izzah, Nurul; Ismal, Rifky; Soemitra, Andri
JAKPI - Jurnal Akuntansi, Keuangan & Perpajakan Indonesia Vol. 11 No. 1 (2023): Jurnal Akuntansi, Keuangan & Perpajakan Indonesia (JAKPI)
Publisher : Universitas Negeri Medan (UNIMED)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jakpi.v11i1.48009

Abstract

Penelitian ini bertujuan untuk menganalisis dampak kebijakan KSSK terhadap pemulihan ekonomi nasional bagi pedagang pasar tradisional di Sumatera Utara. Penelitian ini menggunakan pendekatan kualitatif. Penelitian ini dilakukan di pasar tradisional yang ada di Sumatera Utara yaitu Pasar Sukaramai Medan, Pasar MMTC Medan, Pasar Gambir Deli Serdang, dan Pasar Sakumpal Bonang Padangsidimpuan. Teknik analisis data menggunakan analisis data kualitatif dengan menggunakan data interaktif. Pandemi Covid-19 berdampak signifikan terhadap perkembangan aktivitas perdagangan di pasar tradisional. Omzet penjualan pedagang tradisional di Sumut secara umum menurun di masa pandemi Covid-19. Pendapatan masyarakat yang terdampak pandemi menyebabkan daya beli masyarakat juga menurun. Hal ini berdampak pada berkembangnya kegiatan jual beli di pasar tradisional. Tidak sedikit pedagang tradisional yang mengurungkan niatnya untuk mengajukan pendanaan ke lembaga keuangan untuk tambahan modal. Kondisi ekonomi yang tidak stabil menjadi alasan utama mengapa banyak trader memilih bertahan dengan modal sendiri. Kebijakan pemerintah melalui Komite Stabilitas Sistem Keuangan (KSSK) dinilai mampu mempercepat pemulihan ekonomi di masa pandemi Covid-19. Berbagai kebijakan yang diterapkan dinilai mampu meningkatkan daya beli masyarakat. Sepengetahuan penulis, belum ada penelitian yang secara eksplisit mengkaji dampak kebijakan KSSK terhadap pemulihan ekonomi bangsa bagi pedagang pasar tradisional Sumatera UtaraKata kunci: KSSK, Pasar  tradisional, Pemulihan, Covid-19
Co-Authors Andri Soemitra Harahap, Muhammad Ikhsan IZZAH, NURUL Ramadhan, Fajri Haykal