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EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Published by STIE Syariah Indonesia Purwakarta
ISSN : 25992708     EISSN : 26548526     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Eksisbank Journal is open access published by the Sharia Economic Study Program and Syariah STIES Banking Indonesia Purwakarta. The main objective of Eksisbank is to provide a platform for scholars, academics and international researchers to share contemporary thoughts in the fields of accounting, taxation, sharia financial management, marketing management, Human Resource management, Islamic capital markets, strategic management, risk management, sharia economics , entrepreneurship, and the sharia banking business in the form of research results, feedback articles, and case reports. It also aims to promote sharia economic studies and Islamic banking, thereby becoming a leading international journal in the field of Islamic economics and Islamic banking in the world.
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Articles 143 Documents
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Implementasi Pembiayaan Ultra Mikro Berdasarkan Prinsip Syariah di KSPPS BMT Purwakarta Amanah Sejahtera (PAS) Sandi Jaelani; Imam Sucipto; Jalaludin Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i2.112

Abstract

The purpose of this study is to determine the existing ultra-micro financing model in KSPPS BMT Purwakarta Amanah Sejahtera (PAS), and how to implement ultra-micro financing in KSPPS BMT Purwakarta Amanah Sejahtera (PAS). The type of research used is field research, while the approach used in this study is a descriptive-qualitative approach. There are two types of ultra-micro financing done at KSPPS BMT PAS, namely multi-item ultra-micro financing and multi-service ultra-micro financing. for multi-item ultra micro financing, using the Murabahah contract and its implementation is in accordance with DSN-MUI fatwa number 04 / DSN-MUI / IV / 2000 concerning Murabahah. Then for multi-service ultra micro financing using ijarah agreement in the form of wakalah, the implementation is in accordance with DSN-MUI fatwa number 09 / DSN-MUI / IV / 2000 concerning ijarah financing and DSN-MUI fatwa number 112 / DSN-MUI / IX / 2017 about the ijarah agreement. So that the implementation of ultra-micro financing in PAS BMT KSPPS is in accordance with DSN-MUI fatwa number 119 / DSN-MUI / II / 2918 regarding ultra-micro financing based on Islamic principles.
Implementasi Denda Pada Akad Murabahah Dalam Perspektif Ekonomi Syariah Di BMT Purwakarta Amanah Sejahtera (PAS) Putranto Sigit; Ahmad Saepudin; Saepul Bahri; Yulia Purnama
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i1.113

Abstract

Murabaah payments can be made in cash and installments. However, often in the installment process, banks are faced with various problems, especially bad loans. The problem that often occurs in banking is customers who are able but deliberately delay their obligations to the bank. This has resulted in the possibility of the bank experiencing material and non-material losses. in sharia banks in accordance with the DSN-MUI fatwa No. 17 of 2000, if the customer intentionally delays payment for no apparent reason, the sharia financial institution has the right to impose a fine on him in accordance with the previously agreed upon agreement. The purpose of this study was to determine the system of fines on sharia financing products at BMT PAS and to determine the implementation of fines on murabahah contracts in a sharia economic perspective at BMT Purwakarta Amanah Sejahtera (PAS). This type of research is field research, the data is obtained in the field, meaning that it is direct research to obtain data from the facts that occur on the BMT PAS with a qualitative descriptive approach. The data collection technique is done by triangulation (combined), data analysis is a deductive method, namely a method that departs from general knowledge about a phenomenon (theory) and is based on general knowledge that wants to assess specific things. The results of this study indicate that the penalty system for sharia financing products at BMT PAS is by giving policies to members affected by fource majeur by freeing them to pay their financing installments. If it is found that the economic condition of the member is able to pay the debt but does not obey the installments, then the BMT PAS will impose sanctions on the member. If the analyzed member is really economically incapable, then the BMT PAS does not impose a fine or sanction on the member. The Penalty System for Sharia Financing Products at BMT PAS is in accordance with fatwa No. 17/DSN-MUI/IX/2000 concerning Sanctions for Able Customers Who Delay Payments. Because BMT PAS considers Fource majeur to be a disaster, BMT PAS will provide a solution to the member by being retrained if it cannot be fostered, then BMT PAS releases members from paying the installments and is considered to be a loss from BMT PAS. Likewise, the BMT PAS has applied fines to members who can afford it but delay payments. Sanctions in the form of fines are based on the principle of ta'zir, which aims to make customers more disciplined in carrying out their obligations. in allocating the BMT PAS fines, it also clarifies that the fines are used for social funds or community needs, both for compensation, disaster relief infrastructure and so on
Pengaruh Pelayanan Islami Terhadap Kepuasan Konsumen Di 212 Mart Purwakarta Nasih Sariningsih; Saepul Bahri; Ayi Nurbaeti
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i2.119

Abstract

The purpose of this research is to measure and analyze how much influence the Islamic service has on consumer satisfaction at 212 Mart Purwakarta. The sample of this research is 212 Mart Purwakarta consumers as many as 92 people. The formula for determining the sample uses the Slovin formula. Data collection was carried out by distributing questionnaires using a Likert scale to 92 respondents. The method used is a quantitative method, a method that uses numbers and then analyzed using the SPSS version 25 program. Data analysis techniques used in this study are validity, reliability, classical assumption tests include normality and linearity tests, while hypothesis testing include partial test (t), coefficient of determination analysis (r2) and simple regression analysis. The results showed that the independent variable (Islamic service) was proven to be positive and significant effect on the dependent variable (Consumer Satisfaction) of 57.7% with a significance value of 0,000 <0.05 and a regression coefficient of X of 0.281 which means that each addition of 1% value Islamic services, the value of consumer satisfaction increases by 0.281. while the remaining 42.3% by other variables outside the variables used in this study.
Implementasi Akad Murabahah Dan Rahn Pada Produk Cicil Emas Di Bank Syari’ah Mandiri Kantor Cabang Pembantu Subang Ai Siti Nurjadidah; Jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i2.122

Abstract

This article was conducted with the aim to find out the murabahah and Rahn contract systems for the Gold Installment financing product, implementation of murabahah financing contract and rahn contract on Gold Installment financing products at Bank Syari’ah Mandiri KCP Subang and Benefits of the implementation of murabahah and rahn contracts in gold installment financing products at Bank Syariah Mandiri KCP Subang Sub-Branch Bank in 2019 descriptive method with qualitative data types. Data collection techniques are done by observation, interviews, and documentation studies. The primary sources are BSM Subang KCP employees, and Subang KSM BSM documents relating to the gold installment payment. Secondary data in the form of books about shariah economics, the internet, and other data that support this thesis. The results showed that the implementation of the gold installment product system in Subang KCP BSM was in accordance with Islamic shariah teachings. The problem that occurs is the lack of promotion or socialization held by the BSM regarding this gold installment product. The advice given to fix the problem faced is the need for various ways such as socialization with customers, because after researching the product in accordance with Islamic sharia. Keywords: Murabahah contract, Rahn contract, Gold installment
Analisis Jual Beli Golok Dengan Cara Panjar menurut Perspektif Ekonomi Syariah di PG. Binangkit Cibeureum Tanjungsiang Subang Abdul Abdul Hopid; Jalaludin jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i1.124

Abstract

In Islam, muamalah is a form of convenience for humans to fulfill everything related to their daily needs as living beings and social beings, among the actions of the community to meet material needs is buying and selling with a down payment system, but some people still do not understand about the practice of buying and selling with a down payment system in a sharia economic perspective. This study aims to determine the sale and purchase of the down payment system according to the experts, and to find out the sharia economic review of buying and selling machetes in PG. Binangkit Cibeureum Tanjungsiang Subang. This research is a type of qualitative research with an empirical approach, the data collection techniques used are observation, interviews, and documentation. In this study, the data sources consist of primary data, namely PG managers and owners. Binangkit Kp. Cibeureum Tanjungsiang-Subang and secondary data in the form of records or archives in PG. Raise. Regarding jaul-buying using the Jurisprudence system, As-Syafi'i is of the opinion that it is invalid, based on the hadith narrated by Amru bin Shuaib which reads, "From Amru bin Shu'aib, his father and grandfather were pleased with Allah, so the Prophet said: The Prophet forbade selling- buy 'urban' (Narrated by Abu Dawud)". The understanding of As-Shafi'i fiqh is to avoid the contents of the content of Surah an-Nisa verse 29. Which reads. "O you who believe, do not eat each other's property in a vanity way, except by means of commerce, which prevails consensual among you. and do not kill yourself. Indeed, Allah is Most Merciful to you.” While the Hanbali fiqh understanding of the sale and purchase of advances is of the opinion that the sale and purchase is valid. Based on the Hadith narrated by Zaid bin Aslam and Atsar companions or the practice of the Prophet's companions, namely Umar who bought the prison building to Safwan bin Ummayyah. "The Messenger of Allah was asked about buying and selling the 'urbun system, and he allowed it." Opinions closely related in PG. Binangkit Cibeureum Tanjungsiang regarding the implementation of buying and selling machetes with a down payment system is the opinion of Hanbali fiqh where the practice of buying and selling machetes using down payment is due to the buying and selling that occurs in PG. Binangkit Cibeureum Tanjungsiang is allowed because this is to ensure the continuity of the transaction and guard against buying and selling machetes. Furthermore, a review of Islamic economics based on the results of the researcher's analysis, the sale and purchase of machetes both with the down payment system and directly in the PG. Binangkit is in accordance with sharia both from the provisions related to sighat al-aqd, the parties to the contract, Muthman/mabi '(Object), and the provisions related to Tsaman or the price
Praktek Jual Beli Barang Sistem Arisan di Desa Gardusayang Kecamatan Cisalak Kabupaten Subang Dalam Perspektif Ekonomi Syariah Rina Fitriani; Jalaludin Jalaludin; Ahmad Damiri
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i1.132

Abstract

This research was conducted in Gardusayang Village, Cisalak District, Subang Regency. bermuamalah is one form of convenience for humans to fulfill everything related to their daily needs as living creatures and social beings, among the actions of the community to meet material needs is social gathering, but members still do not understand the practice of buying and selling goods arisan system in Islamic economic perspective. This study aims to provide a description of the implementation of the sale and purchase of social gathering system items, a review of the sharia economy on the sale and purchase of social gathering system goods and the impact of the sale and purchase of social gathering system goods. This research is a qualitative type with an empirical approach, data collection techniques used are observation, interviews, documentation. In this study the data source consisted of primary data and secondary data. From the results of the study that the practice of buying and selling goods arisan system in the Village of Gardusayang Cisalak-Subang in the implementation of the social gathering members have been willing and agreed to accept the social gathering system made by the head of the social gathering that the members are willing to pay the social gathering according to a mutually agreed period of time. In this economic review of arisan sharia, it is permissible in Islamic Shari'a because it brings more benefits to arisan participants as a means of mutual assistance between them, so that it can have an effect or impact on improving family welfare, because through this arisan they can meet various his necessities such as buying something that might be difficult to buy if he only relied on the opinion of his family
Kajian Ekonomi Syariah Dalam Pelaksanaan Asuransi Jaminan Kesehatan Pada Faskes Pertama Layanan BPJS Puskesmas Palasari Subang Kiki Erika; Rina Nurhayati; Moch. Cahyo Sucipto
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i2.133

Abstract

This research was conducted at the Palasari Ciater Health Center in Subang Regency. Puskesmas is one of the first-level health institutions in collaboration with BPJS. BPJS is a legal entity formed to organize social security programs, BPJS consists of BPJS Health and BPJS Employment. BPJS Health runs a health insurance program, while BPJS Employment operates a work accident insurance program, old age insurance, pension insurance and death insurance. This study aims to find out how the implementation of BPJS Health in the first Health Center in Palasari Ciater Subang Health Center and how the view of the Ekonmi Syariah related to the implementation of the first level BPJS Health in the first Health Center in Palasari Ciater Subang Health Center. This type of research is qualitative using descriptive analysis method. Data sources used include primary and secondary data. From the results of the discussion the researchers found that in its implementation all Indonesian citizens were required to become members of the Health BPJS. In its implementation at the Palasari Puskesmas openly serves all the important BPJS Health participants, they come to the Puskesmas carrying a card and then click on the ticket and they are active members. The implementation of health insurance (BPJS Kesehatan) at the Palasari Health Center in terms of service has been carried out in accordance with the law, and in accordance with the Sharia Economy.
Analisis Praktek Akad Qardhul Hasan Dalam Perspektif Ekonomi Syari’ah Di Koperasi Dewan Kemakmuran Masjid At-Taqwa Desa Cicadas Sagalaherang Kabupaten Subang Mita Nurul Hidayati; Ahmad Damiri; Jalaludin
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 5 No 1 (2021): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v5i1.136

Abstract

Cooperatives are generally financial institutions that accept deposits and loans for financing, by collecting funds from their members which are then channeled back to members or the general public. This study aims to analyze the application of Qardhul Hasan financing in the perspective of Islamic Economics carried out at the At-Taqwa Mosque Prosperity Council Cooperative, Cicadas Village, Sagalaherang District, Subang Regency. Qardhul Hasan has the meaning of a good loan, the Qardhul Hasan product is a financing offer to customers that will be used for micro businesses, then members return installments according to the nominal borrowed at a predetermined time, and it is very important that we examine how the implementation of Qardhul Hasan in perspective Islamic economics, because lending and borrowing is one part of our lives in the world. This study aims to find out how the provisions and implementation of the Qardhul Hasan contract, the sharia economic perspective on the Qardhul Hasan contract and the impact of the Qardhul Hasan contract on the community. This type of research is qualitative using descriptive analysis method. Sources of data used include primary and secondary data. The results of the analysis show that the implementation of the Qardhul Hasan contract at the At-Taqwa Mosque Prosperity Council Cooperative in Cicadas Village is in accordance with Islamic law. This can be seen where the cooperative provides loans without any additional. In the Qardhul Hasan contract in Cicadas Village there is non-performing financing. the factors are, first, because of the lack of direction and guidance from the cooperative. Second, because of the negligence of the members themselves. The impact that members feel is very helpful for business capital costs, schools, health
Sistem Ekonomi Islam Sebagai Solusi Problematika Sistem Kapitalisme Dan Sistem Sosialisme M. Indra Gunawan
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i2.138

Abstract

In this study, the title published by the author is the Islamic economic system as a solution to the problems of the capitalism system and the socialism system. This research has a broad scope both in terms of theory and application, for that purpose the objective is to find out the problems of the economic system of Capitalism and the economic system of socialism in overcoming economic problems and to see what is offered by the Islamic economic system in overcoming the problems of the economic system of capitalism and the economic system. economics of socialism, the research methodology used is library research or "Library Research". Because literature review is part of a qualitative research because the form of data presented tends to be more subjective in nature and more to book or literature analysis. From the methodology that the author uses, it is the capitalism system where everyone recognizes private property rights over the means of production. Meanwhile, the economic system of socialism does not recognize private rights and gives ownership rights only to the general public
Perbedaan Antara Sistem Keuangan Islam Dan Konvensional Enceng Iip Syaripudin; Deni Konkon Furkony
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 4 No 2 (2020): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v4i2.139

Abstract

The financial system of a country is greatly influenced by the economic system it adopts. The economic system refers to a single set of decision-making mechanisms and institutions that implement these decisions on production, consumption and income distribution. Therefore, the economic system is something that is important for the economy of a country. The Islamic Financial System is the basis of economic strength in this country, in its day it was able to become a system that could prosper its people. In times of crisis, he was able to escape bankruptcy, even though he did not receive assistance or disbursement of BLBI funds. This Islamic concept should be a new force in reviving the country's economy. The Islamic Financial System is developing rapidly to play its role in allocating resources and enhancing economic development. The objectives to be achieved in this study are: 1) What distinguishes the Islamic financial system and conventional financial systems. 2). To find out the strengths and weaknesses between the Islamic and conventional financial systems. The research method used in this research is the library research method or book survey. The library research method is a research method in which data collection techniques are carried out in the field (library) based on the readings of several literatures that have information and are relevant to the research topic. Based on the results of the study, it is concluded that the advantages of Islamic finance can survive various economic crises that are faced, this is evidenced by the increase and development of Indonesian Islamic Banking compared to conventional banks.

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