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All Journal Jurnal Info Sains : Informatika dan Sains Jurnal Ekonomi dan Bisnis Islam
Arif Kurniawan, Muhammad
Unknown Affiliation
Religion Computer Science & IT Economics, Econometrics & Finance Social Sciences

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Implementasi Produk Pembiayaan Murabahah Pada KSPPS BMT Artha Sejahtera Srandakan Yogyakarta Alawi Almaksum, Muhammad; Arif Kurniawan, Muhammad
Quranomic: Jurnal Ekonomi dan Bisnis Islam Vol. 3 No. 1 (2024): Quranomic: Jurnal Ekonomi dan Bisnis Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam IIQ An Nur Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37252/jebi.v3i1.644

Abstract

Murabahah merupakan salah satu konsep Islam dalam Melakukan perjanjian jual beli. Konsep ini telah banyak digunakan oleh bank-bank dan lembaga keuangan Islam untuk pembiayaan modal kerja dan pembiayaan perdagangan para nasabahnya. Penelitian ini ditujukan untuk mengetahui bagaimana implementasi produk pembiayaan murabahah yang diterapkan di KSPPS BMT Artha Sejahtera Srandakan Yogyakarta. Metode yang digunakan dalam penelitian ini merupakan metode kualitatif deskriptif yaitu sebuah metode untuk menggambarkan sebuah kejadian secara faktual dan sistematis mengenai faktor, karakteristik, dan fenomena yang terjadi. Dari hasil temuan yang penulis amati dan telah melakukan penelitian dengan menganalisis menggunakan metode-metode di atas, dapat diketahui bahwa implementasi akad murabahah di BMT Artha Sejahtera Srandakan belum sepenuhnya sesuai dengan kaidah akad murabahah. Pada praktiknya BMT sering mewakilkan pembelian barang kepada anggota dengan alasan mempermudah proses pemberian pembiayaan. Disisi lain penerapan pembiayaan murabahah di BMT Artha sejahtera secara umum sudah sesuai dengan prinsip fatwa DSN MUI No. 04/DSN-MUI/IV?2000. Misalnya hal-hal yang mengandung unsur maisyir, gharar, haram, riba (MAGRIB) dan sesuai dengan Fatwa Dewan Syariah Nasional MUI No. 04/DSN-MUI/IV/2000.
Optimization of Factory Location Selection Using the AHP Method Based on Operational Cost Criteria, Logistics Accessibility, and Labor Availability Angger Styo Yuniarti; Arif Kurniawan, Muhammad; Rukmana, Andi; Makin, Samsul
Jurnal Info Sains : Informatika dan Sains Vol. 16 No. 01 (2026): Info sains, 2026
Publisher : SEAN Institute

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Abstract

Factory location selection represents a strategic decision that significantly impacts the long-term operational success of manufacturing companies. This research aims to optimize the factory location selection decision-making process by applying the Analytical Hierarchy Process method, considering three fundamental criteria: operational costs, logistics accessibility, and labor availability. A quantitative approach was employed involving five expert respondents consisting of industrial practitioners and academics to conduct pairwise comparison assessments of four alternative industrial estate locations in West Java. The analysis results indicate that operational costs have the highest priority weight of 0.540, followed by logistics accessibility with a weight of 0.297, and labor availability with a weight of 0.163. Cikampek Industrial Estate emerged as the optimal location with a global priority weight of 0.300, excelling in operational cost efficiency despite having limitations in logistics accessibility. Consistency testing shows Consistency Ratio values ranging from 0.035 to 0.046, confirming the validity of respondent assessments. This research provides practical contributions in the form of a structured decision model that can assist manufacturing company management in making strategic production facility location decisions more objectively and measurably.
Co-Authors Alawi Almaksum, Muhammad Angger Styo Yuniarti Makin, Samsul Rukmana, Andi