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All Journal Jurnal Ikhtibar Nusantara Landraad
Imaniyah, Helwatin
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Religion Humanities Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Penerapan Akad Ijarah Muntahiya Bittamlik (IMBT) Di Bank Syariah Imaniyah, Helwatin; Hastriana, Anna Zakiyah
Jurnal Landraad Vol. 3 No. 1 (2024): Edisi Maret 2024
Publisher : Institut Syekh Abdul Halim Hasan Binjai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59342/jl.v3i1.507

Abstract

Sharia banking in Indonesia has experienced a significant increase in performance, as evidenced by the proliferation of Islamic financial institutions. The ijarah (rent) contract, which is frequently utilized in daily life, is one of the fascinating contracts to talk about. Human needs cause constant adjustments to this agreement. The contract ijarah muntahiya bittamlik (IMBT), sometimes referred to as al-Ijarah thumma al-bai' (AITAB), and hire and buy are two examples of such modifications. This agreement uses two separate contracts, namely a lease contract (ijarah / leasing or renting) and a sale and purchase contract (bai '/ purchase). IMBT contracts are comparable to the traditional lease agreements that are still in use today. The author finds that the IMBT contract can be a solution in providing affordable Public Housing Loans to the public, Yet, because of the dearth of research and practical understanding surrounding the contract, it is still sporadically utilized in Islamic banking.
THE INFLUENCE OF ENVIRONMENTAL AWARENESS AND BUSINESS INNOVATION ON THE IMPLEMENTATION OF THE GREEN ECONOMY IN MSMES IN PUYUDAN DUNGDANG VILLAGE Imaniyah, Helwatin; Muayyad, Ubaidullah
Jurnal Ikhtibar Nusantara Vol 4 No 2 (2026): Jurnal Ikhtibar Nusantara
Publisher : STAI Nusantara Kota Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62901/j-ikhsan.v4i2.409

Abstract

This research focuses on exploring how innovation in business activities and awareness of environmental issues affect the application of green economy principles in MSMEs. This study employs a survey method based on a quantitative approach, with data collected from 100 MSME actors through a questionnaire instrument. Data analysis was conducted using multiple linear regression with the assistance of SPSS software. Findings reveal that environmental awareness has a significant and positive role (p = 0.020) on its own. In addition, business innovation produces a stronger and more dominant effect (p = 0.000). When combined, these two factors significantly shape the adoption of green economy practices. The R² value of 0.859 shows that 85.9% of the changes in green economy implementation are explained by both variables. Promoting sustainability in MSMEs depends on strengthening environmental consciousness alongside continuous innovation in business practices. This study integrates environmental awareness and business innovation into a single model to explain the implementation of the green economy in MSMEs. This study presents a new context in rural MSMEs that has rarely been explored. The findings indicate that business innovation is more dominant than environmental awareness in driving the green economy.
Co-Authors Anna Zakiyah Hastriana Muayyad, Ubaidullah