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INDONESIA
Jurnal Ekonomi Bisnis Syariah
Published by IAI Al-Mawaddah Warrahmah Kolaka
ISSN : 25991191     EISSN : 25991191     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Arjuna Subject : -
Articles 50 Documents
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EFEKTIVITAS PEMANFAATAN DANA KREDIT USAHA RAKYAT (KUR) DALAM MENGEMBANGKAN USAHA MIKRO KECIL DAN MENENGAH (UMKM) DI DESA TAMBOLI KECAMATAN SAMATURU Mirnawati Mirnawati; Amir Sahaka; Muhammad Akbar
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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Abstract

The People's Business Credit (KUR) is a government program launched in November 2007 by President Susilo Bambang Yodoyono, which is given to micro-entrepreneurs who are feasible but not yet bankable. One of the efforts that can be made to empower a productive economy in order to reduce unemployment is to help open employment / business for those who need work, namely entrepreneurship by fostering Micro, Small and Medium Enterprises (MSMEs). However, the provision of People's Business Credit (KUR) funds in Tamboli Village, Samaturu District was not fully used in accordance with the initial loan agreement.The formulation of the problem in this study is How to use the People's Business Credit (KUR) fund in developing Micro, Small and Medium Enterprises (MSMEs) in Tamboli Village, Samaturu District and What are the obstacles in the utilization of People's Business Credit (KUR) funds. This study aims to determine whether customers use the funds provided in accordance with the initial agreement to provide credit and what are the obstacles faced by the debtor in managing the People's Business Credit (KUR) fund to develop their business.The research method used includes the type of research in the form of qualitative research, and the objects of this research are the customers of the People's Business Credit (KUR), Mantri and Customer Service. Data collection techniques used were observation, interviews, and documentation.The results showed that the utilization of People's Business Credit (KUR) funds in developing Micro, Small and Medium Enterprises (MSMEs) in Tamboli Village, Samaturu District has been well realized, seen from the level of debtor income before and after taking the increased People's Business Credit (KUR) funds. The obstacles in the utilization of People's Business Credit (KUR) funds in developing Micro, Small and Medium Enterprises (MSMEs) in Tamboli Village, Samaturu District are crop failure and stagnant business.
ANALISIS MEKANISME PENGGUNAAN AKAD RAHN DALAM TRANSAKSI GADAI SAWAH MENURUT PERSPEKTIF HUKUM ISLAM DI DESA POLENGA KECAMATAN WATUBANGGA KABUPATEN KOLAKA Lilis Antiani; M. Zakariah; Kasmiah Kasmiah
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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Abstract

The practice of pawning rice fields in the people of Polenga Village, Watubangga District, Kolaka Regency. The mechanism shows that there are several things that are considered burdensome and can harm one of the parties who have contracted. Therefore, the author will examine the practice of pawning that occurs in the people of Polenga Village, Watubangga District, Kolaka Regency, by analyzing problems regarding the perspective of Islamic law on the mechanism of pawning practice, as well as the use of rice fields which are used as collateral for pawning.The main problem in this research is how the mechanism of implementing land pawning (rice fields) in the community of Polenga Village, Kec. Watubangga ?, and what is the perspective of Islamic law on the implementation of pawning land (rice fields) in the people of Polenga Village, Watubangga District ?. The purpose of this study is to determine the implementation mechanism of the pawn practice and the perspective of Islamic law on the pawning mechanism.The research method used includes the type of research in the form of qualitative research, and the data sources of this study are the pawker (rahin) and the pawning recipient (murtahin). Furthermore, the data collection methods used were observation, interviews, documentation and literature study, then the processing and analysis techniques used were descriptive qualitative.The results showed that the pawning system in Polenga Village generally pawned (rahin) came to the pawnshop recipient (murtahin) to borrow money to meet their needs with rice fields as collateral. The right to control or use the rice fields is in the hands of the pawning recipient until the debt is paid off. The right to cultivate is still in the hands of the pawner, but the results are divided in 2 between rahin and murtahin. Debt payment has a time limit for 2 harvests, but if it is due but the pledge is not able to pay the money, the tempo has not been determined anymore so that it can cause the pawning contract to drag on. If viewed from the point of view of implementation the contract has met the pillars and conditions of the pawn The practice of pawning which is carried out indefinitely with the use of rice fields as collateral is fully controlled by the pawn recipient is not valid according to Islamic law.
STRATEGI PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH DI PT. BANK BNI SYARIAH KANTOR CABANG PEMBANTU KOLAKA Hasriani Zainuddin; Muh Iqbal; Dewi Angraeni
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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Abstract

Bank BNI Syariah Sub-Branch Office Kolaka is one of the financial institutions tasked with raising funds from the public and channeling funds to the public in the form of financing based on sharia principles. Financing at PT. Bank BNI Syariah Sub Branch Office of Kolaka uses murabaha contract, where the financing is inseparable from the constraints that result in problematic financing (default) so a handling strategy is needed in resolving these constraints. The formulation of the problem in this study is what factors cause the occurrence of problematic murabaha financing at PT. BNI Syariah Bank Branch Office Kolaka Assistant? and how the strategies implemented by PT. BNI Syariah Bank Branch Office Kolaka in resolving murabaha financing problems? The research objective is to determine the factors causing the occurrence of problematic murabaha financing and strategies for solving problematic murabaha financing at PT. BNI Syariah Bank Branch Office Kolaka Assistant. The research method used is a qualitative approach to the type of descriptive research. The study was conducted through the stages of observation, interviews and documentation. The results showed that the factors that caused murabaha financing problems at PT. Bank BNI Syariah Sub-Branch Office Kolaka is an external factor (from customers), among others due to a decrease in turnover, customer business closure, demotion, bad character, customers doing dishonest things and deviating from the contract. Therefore, the bank made several efforts to settle this problematic murabaha financing with a collection strategy, deliberation, giving warning letters up to 3 times, rescheduling, taking over, selling other assets, selling voluntary collateral, auctioning, and write off.
PENGARUH GADAI AGUNAN BUKU PEMILIK KENDARAAN BERMOTOR (BPKB) TERHADAP PENGEMBANGAN USAHA KECIL DAN MENENGAH (UKM Risna Risna; M. Zakariah; Sulman Sulman
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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The problem of this research is that business growth in society is getting higher but these entrepreneurs or entrepreneurs lack the capital to develop their business.The formulation of the problem in this study is whether there is an effect of BPKB collateral pawning on the development of small and medium enterprises (UKM) at PT. Pegadaian Kolaka. The purpose of this study was to analyze whether the BPKB collateral pawning could affect the development of small and medium enterprises (UKM).The research method used includes quantitative research types, using purposive sampling technique. The population is the customers of PT. Pegadaian Kolaka that took BPKB collateral pawning products, namely KREASI Products, totaling 107 customers. For the dependent variable (Y), namely the development of small and medium enterprises (UKM), for the independent variable (X). Collecting data using a questionnaire and analyzed using a simple regression test.The results of this study are that there is a significant effect between BPKB pawning on the development of SMEs, the percentage yield is 66.4%, while the difference from the percentage means it is owned by other factors
STUDI KOMPARASI MINAT MENABUNG PEDAGANG PASAR RAYA MEKONGGA PADA BANK BRI DAN BANK MUAMALAT KOLAKA. PERGRAM STUDI PERBANKAN SYARIAH FAKULTAS EKONIMI DAN BISNIS ISLAM, IAI AL MAWADDAH WARRAHMAH KOLAKA Ahmad Syuaib Rahman; Amir Sahaka; Muh Iqbal
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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The economic activities of a country are always related to the flow of money payments, where the banking industry has a very strategic role, namely as the lifeblood of the economic system. Bank BRI is a bank that carries out activities based on conventional principles as a whole. Meanwhile, Bank Muamalat Indonesia is a bank that contains elements of sharia. The Kolaka area which is strategic and the community has various sources of income, which is very appropriate for running a business.The formulation of the problem in this study is how the interests of the traders of the mekongga highway in saving at Bank BRI and Bank Muamalat, how is the savings management system at Bank BRI and Bank Muamalat. The aim of this research is to find out how the interest in saving the traders of the Pasar Raya Mekongga bank BRI Kolaka and Bank Muamalat Kolaka. To compare the savings fund management system at Bank Bri and Bank Muamalat.The research method used is qualitative research. The object of research is Market Traders and the subject of the research is the interest of the Mekongga highway market at BRI Bank and Muamalat Kolaka. The research procedure used includes 3 stages, namely observation, interview and documentation.The results of the study show that the people's interest in saving is more likely to choose BRI Bank because the service is easy and not complicated, while those who save at Bank Muamalat are their reasons because they are avoiding the Riba system (especially Muslims) by using 2 systems, namely Wadiah and Mudharabah.
PENERAPAN METODE CAMEL (CAPITAL, ASSET, MANAJEMEN, EARNING DAN LIQUIDITY DALAM MENGANALISIS TINGKAT KESEHATAN BANK SYARIAH) KABUPATEN KOLAKA Andi Nasrah Ningsih
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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This study aims to explain and analyze the CAMEL method (Capital, Asset, Management,Earning liquidity) in the health level of Islamic banks in Kolaka district, especially inknowing the HEALTHY and NOT HEALTHY a bank is in Kolaka Regency.The type ofresearch used Descriptive Research is analyzing data through secondary data whether in theform of media, journals, websites or information taken from the bank concerned, for exampleyear-end documents, this research uses a qualitative approach to Islamic banks, namely byanalyzing data -the financial statement data to determine the category of the bankingcompany can be related to healthy or unhealthy.The results showed that using the CAMELmethod in analyzing the health of the Bank in 2018 showed that BNI Syariah was categorizedas HEALTHY, in contrast to Bank Mualamat Indonesia which was categorized as NOTHEALTHY.
PENGARUH PENDAPATAN ASLI DAERAH DARI SEKTOR PARIWISATA DALAM MENINGKATKAN PEREKONOMIAN KABUPATEN KOLAKA Andi Sainal
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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Tourism is a sector with great potential in contributing to improving the economy of a country. According toLaw No. 10 of 2009 concerning tourism, tourism is an activity that aims at organizing tourism services,providing tourist objects and attractions. The formulation of the problem in this research is whether there is aneffect of local revenue from the tourism sector in improving the economy of Kolaka Regency and also how arethe supporting and inhibiting factors for development of the tourism sector in Kolaka Regency. The purpose ofthis study is to determine whether there is an effect of local revenue from the tourism sector in improving theeconomy of Kolaka Regency and also to determine the obstacles or obstacles experienced by the tourism sectoras well as supporting factors for tourism development in Kolaka Regency.The research method used is a type ofquantitative research with a quantitative approach with the subject of local revenue from the tourism sector inimproving the economy of Kolaka Regency. Then the research procedure carried out includes intensiveobservation (questionnaires, interviews, and documentation) about the local revenue from the tourism sector inimproving the economy of Kolaka Regency.The results of this study indicate that local revenue from the tourismsector has an influence in improving the economy of Kolaka Regency, this is evidenced by the results obtainedfrom the SPSS application which functions to test the questionnaire that has been filled in by employees in theform of statements.
ANALISIS STRATEGI BADAN USAHA MILIK DESA (BUMDES) DALAM MENINGKATKAN PEREKONOMIAN MASYARAKAT DESA LAMUNDE KEC. WATUBANGGA KAB. KOLAKA. Alfika Alfika
Jurnal Ekonomi Bisnis Syariah Vol 3 No 1 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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In accordance with the mandate of Article 213 of Law number 32 of 2004 concerning Regional Government, villages can establish village-owned enterprises (BUMDes) to accommodate the economic activities of village communities. BUMDes is thus an umbrella for all economic activities in the Village. This means that BUMDes can accommodate all village economic activities, without having to create other economic business fields. Village-owned enterprises (BUMDes) are companies managed by the village community, whose management is separate from the village government. BUMDes was formed to explore the entrepreneurial potential that exists in the village. By being managed by community members who have an entrepreneurial spirit, it is hoped that BUMDes will later generate village original income obtained from the turnover of businesses managed by the BUMDes.The formulation of the problem from this thesis is: how is the BUMDes strategy in improving the economy of the village community Lamunde, Kec. Watubangga, Kab. Kolaka?The purpose of writing this thesis is to find out the BUMDes strategy in improving the economy of the community in Lamunde Village, Kec. Watubangga District, Kab. Kolaka. This type of research is seen from its object including field research conducted in the village of Lamunde, Kec. Watubangga, District. Kolaka. To obtain valid data, the authors used several data collection methods, namely documentation and interviews. Sources of data in.This research has two sources, namely primary data and secondary data. With regard to the analysis of data that has been collected, in this case the writer uses descriptive analysis using a qualitative approach. From the results of research on BUMDes strategies in improving the community's economy, namely by: BUMDes managers establish 4 business units including procurement of bagang, savings and loan business units (spp), shrimp ponds, raising cattle. In this case, since BUMDes
SISTEM PEMBIAYAAN KEPEMILIKAN RUMAH PADA BANK KONVENSIONAL DAN SYARIAH Dirnayanti Dirnayanti; Munadi Idris; Suhrah Suhrah
Jurnal Ekonomi Bisnis Syariah Vol 3 No 2 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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The home ownership financing system used by Bank BNI Syariah KCP Mikro Kolaka and BNI KCP Kolaka is generally the same financing system, because it has its own value from the community. And from each side, the Bank has several approaches to customers where the Islamic Bank approach is religious because it is a banking financial institution whose operations and products are developed based on the Qur'an and hadith. The formulation of the problem in this research is how is the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka?, What is the difference between the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka? and What are the implications of different Financing Systems for customers? The purpose of the study was to determine the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka, to find out the differences in the Home Ownership Financing System at BNI KCP Kolaka and BNI Syariah KCP Mikro Kolaka and to find out the implications of the differences in the Financing System for customers. The research method used is descriptive research with a qualitative approach with the subject of the Home Ownership Financing System in Conventional and Islamic Banks. Then the research procedures carried out include intensive observations (observations, documentation, and interviews) about the Home Ownership Financing System in Conventional and Islamic Banks. The research instruments are in the form of observation sheets or notebooks, interview guides, voice recorders, documentation sheets, photographs and required documents. The results showed that the Home Ownership Financing System in Conventional and Islamic Banks. It has several differences, namely in terms of contracts, installment calculations and the interest system because conventional banks use an interest system while Islamic banks only use a buying and selling system (murabahah).
ANALISIS PENGARUH SERVICE QUALITY DAN CUSTOMER EXPERIENCE TERHADAP CUSTOMER SATISFACTION PADA BANK SYARIAH KABUPATEN KOLAKA SULAWESI TENGGARA Endang Puspita; Munadi Idris; Muhammad Akbar
Jurnal Ekonomi Bisnis Syariah Vol 3 No 2 (2020): Jurnal Ekonomi Bisnis Syariah
Publisher : IAI Al-Mawaddah Warrahmah Kolaka

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There are two Sharia Banks in Kolaka Regency, namely BNI Syariah Bank KCP Kolaka and Bank Muamalat Indonesia Tbk KCP Kolaka. The determinants of customer satisfaction include service quality and customer experience. To attract the hearts of its customers, every company, especially the Kolaka Regency Sharia Bank, must always provide and pay attention to customer satisfaction. The formulation of the problem in this study is whether there is a simultaneous influence of Service Quality and Customer Experience on Customer Satisfaction at the Kolaka Regency Sharia Bank? The purpose of the study was to determine whether there was a simultaneous influence of Service Quality and Customer Experience on Customer Satisfaction at the Kolaka Regency Sharia Bank. The research method used in this study is to use a quantitative approach. Determination of the number of representative samples that depends on the number of indicators multiplied by 5 based on the results of a questionnaire with a total of 65 respondents. The sampling technique used is the Accidental Sampling method, which is a sampling technique based on chance. The data sources used are primary and secondary data sources, the data in this study are direct answers assisted by questionnaires or questionnaires given directly by customers to be filled in according to the actual situation. Data analysis techniques through the SPSS 0.20 program are Validity, Reliability, Classical Assumptions Test, and Statistics. The results showed that by using a questionnaire or questionnaire, researchers obtained research results by showing that partially the Service Quality Variable (X1) had no positive and significant effect on the Customer Satisfaction Variable (Y) with a Sig value. Of 0.154 while the Customer Experience Variable (X2) has a positive and significant effect on the Customer Satisfaction Variable (Y) with a Sig value of 0.000. Meanwhile, the Service Quality and Customer Experience variables simultaneously have a positive and significant influence on the Customer Satisfaction Variable.

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