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All Journal TAHKIM MANAJEMEN DEWANTARA Tasharruf: Journal Economics and Business of Islam
Rosita Tehuayo
IAIN Ambon
Religion Arts Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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SEWA MENYEWA (IJARAH) DALAM SISTEM PERBANKAN SYARIAH Rosita Tehuayo
TAHKIM Vol 14, No 1 (2018): TAHKIM
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/thk.v14i1.576

Abstract

Rental transactions in the conventional banking there is no property right transfer, meaning that if the lease term ends, the item is returned to the owner of the leasing object leases that generally does not require the services of a financial institution. Another case in practice because of known Islamic banking financing based on lease agreement - so-called Ijarah lease. In Islamic banking, al-Ijarah divided into 2 types namely: mutlaqah Ijarah or leasing, operating lease is a process that we usually encounter in daily economic activity. In the context of Islamic banking, Ijarah is a lease contract in which a bank or financial institution renting equipment (equipment), a building or goods, to one of its customers by charging fees that have been determined with certainty in advance. While al-Ijarah Al-Muntahia bit-Tamlik is a kind of fusion between the contracts of sale and lease or rental contract rather that ends with ownership of the goods in the hands of the tenant. The nature of transfer of ownership was also distinguishes it from ordinary lease, contained in conventional financial institutions. Al-Ijarah concept in Islamic banking as the lease in general, but what sets it apart is that in Islamic banking there is a lease which at the end of the contract, given the choice/option to customers to have the goods or not, commonly referred to leases purchase.
PENGELOLAAN DANA MASJID DI KOTA AMBON (Studi Terhadap Fungsi Sosial Masjid An-Nur Batu Merah dan Masjid Al-Ukhuwah Kapaha) Rosita Tehuayo
TAHKIM Vol 17, No 1 (2021): TAHKIM
Publisher : IAIN Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/thk.v17i1.2023

Abstract

This research aims to find out fund management of An-Nur mosque in Batu Merah village and Al-Ukhuwah Kapaha Mosque and to find out the relation of fund management of An-Nur mosque in Batu Merah village and Al-Ukhuwah Mosque in Kapaha, and social functions of both mosques. This type of research is field research with a case study approach qualitative. This research is focused on the case of "mosque fund management," as a case study using a single instrument, because it is focused on one issue and analyzed holistically. Data collection techniques such as observation, interviews, documents, and audiovisual materials. This research will reveal important data and information from mosque takmir informants, community members. The form of an interview is an open and unstructured interview. Data processing is done by checking the truth of the data, compiling the data, carrying out the coding (coding), classifying the data, correcting interview answers that are not clear. Data analysis was performed using qualitative analysis using the inductive method. The results of this study indicate that the practice of fund management at the An Nur Batu Merah Mosque and the Ukhuwah Kapaha Mosque in Ambon City still uses the old pattern, meaning infaq, almsgiving, zakat is the only source of mosque income. Management is closed and is manual. Sources of ZIS funds come from residents or worshipers and the government. While the channeling of mosque funds is intended for physical development only. This is because there is no single program launched by the management or takmir for the social benefit. The only social program carried out by the two mosques in the body service and recitation of mothers. As a result of the very low implementation of the social functions of the two mosques, it has an impact on the relationship between the management of mosque funds and the social function that is inherent as the function of the mosque in the time of the Prophet and his companions. This research has not found the relationship between fund management and mosque social functions as appropriate, as a result of the lack of social programs carried out by the An Nur Batu Merah Mosque and the Ukhuwah Kapaha Mosque in Ambon City. Keywords: Fund Management, Social Function, Mosque
PRIVILEGES OF QARDH FINANCING AT MICRO WAQF BANKS Mohammad H Holle; Rosita Tehuayo; Magfirah Karanelan
Tasharruf: Journal Economics and Business of Islam Vol 8, No 1 (2023): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v8i1.2358

Abstract

Writing this article aims to reveal and prove the privilege of financing using a Qardh contract at the Micro Waqf Bank Al-Anshor Cares Ambon. The research method used is field research with a case study approach and a qualitative paradigm. Data collection techniques using observation and interviews focused on indicators of Qardh financing without collateral, Qardh without interest, channeling funds on target, group or cooperation systems, managed by Micro Waqf Banks formed by Islamic Boarding Schools, business coaching, and avoiding moneylenders, cooperation system (Gotong Royong) managed by Islamic boarding schools with permission from the OJK, providing business knowledge and training as well as religious education. The results of this study found that the qardh financing feature can change the daily life of micro-entrepreneurs, increase income, avoid loan sharks and interest on loans, better household consumption patterns, and relatively good family education. This proves that Qardh financing has advantages over other financing models.
PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP PENGAMBILAN KEPUTUSAN BERINVESTASI MASYARAKAT MASJID DI PERBANKAN SYARIAH KOTA AMBON Tehuayo, Rosita; Holle, Mohammad H
MANAJEMEN DEWANTARA Vol 8 No 2 (2024): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v8i2.17757

Abstract

Penelitian bertujuan untuk mengetahui pengaruh literasi keuangan terhadap pengambilan keputusan berinvestasi masyarakat masjid terhadap perbankan Syariah di Kota Ambon. Jenis penelitian lapangan dengan paradigma kuantitatif menggunakan metode survei dengan menyebarkan kuisioner kepada masyarakat masjid di Kota Ambon. Variabel digunakan sesuai indikator literasi keuangan menurut Otoritas Jasa Keuangan yaitu, pengetahuan keuangan umum, pemahaman lembaga keuangan syariah, pinjam/tabungan, asuransi, dan investasi. Hasil penelitian: 1. Variabel independent terdiri atas; pengetahuan keuangan umum, pemahaman fungsi dan manfaat lembaga keuangan syariah, tabungan/pinjaman, asuransi, serta investasi semuanya berpengaruh terhadap keputusan berinvestasi masyarakat Masjid kota Ambon di Perbankan Syariah. Namun, variabel pengetahuan umum, pengetahuan lembaga keuangan syariah, dan asuransi pengaruh tidak signifikan atau kecil. Sedangkan tabungan/pinjaman dan investasi berpengaruh kuat terhadap keputusan berinvestasi di Perbankan Syariah. Berdasarkan hitung regresi berganda pada uji F memperoleh nilai Fhitung 6,88 serta nilai p value yakni 0,000. Maka, kesimpulan hipotesis Ho ditolak dan Ha diterima. Untuk itu hasil persamaan koefisien regresinya adalah Y = 1,969 + 0,61 + 0,83 + 0,133 + 0,281.
Co-Authors Magfirah Karanelan Mohammad H. Holle