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Abu Lubaba
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Jl. Widarasari III, Sutawinangun, Kec. Kedawung, Kabupaten Cirebon, Kab. Cirebon, Provinsi Jawa Barat
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INDONESIA
Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Published by Universitas Islam Bunga Bangsa Cirebon
ISSN : -     EISSN : 27470237     DOI : 10.47453
Core Subject : Economy,
Economics, Econometrics & Finance
The Ecopreneur Journal is a journal that provides findings – findings of scientific research in the field of Islamic economics and business published by the Sharia Economics Study Program IAI Bunga Bangsa Cirebon. This journal is published periodically 2 times a year, namely in February and August. This journal is intended for researchers, academics, lecturers, students and the general public.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekomomi dan Ekonometrika
Articles 153 Documents
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Implementasi Marketing Syariah Dalam Upaya Meningkatkan Minat Beli Konsumen di Al-Bahjah Mart Pusat Kabupaten Cirebon Fidya Arie Pratama; Abdul Hanan; Agus Dian Alirahman; Mohammad Ridwan; Fauziah Fauziah
Ecopreneur : Journal of Sharia Economics Study Program Vol 2 No 2 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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Abstract

This study discusses the implementation of Islamic marketing in an effort to increase consumer buying interest. The background of the study is that there is still a lack of knowledge and consumer interest in Islamic retail, even though they live in an area that is still thick with religious values. This study aims to determine and obtain data at Al-Bahjah (AB) Mart Sendang Cirebon Regency regarding the implementation of sharia marketing in an effort to increase consumer buying interest. This study uses a qualitative approach with a descriptive method. The data sources used are theoretical and empirical, theoretical data data derived from data from guide books related to this thesis, libraries, print media and electronic media. The research sample was taken from five informants. After the data is collected, the stage of processing the data collected is carried out through observation, interviews, documentation and using research instruments to obtain research conclusions. As for the results of the study, the implementation of sharia marketing has been implemented at Al-Bahjah (AB) Mart, it can be seen from the implementation of sharia marketing characteristics. Consumers' interest in buying at AB Mart after implementing sharia marketing every day is getting more and more consumers who visit AB Mart. This proves that the implementation of sharia marketing can increase consumer buying interest. The conclusion of this study is that sharia marketing can affect consumer buying interest at AB Mart Sendang, by implementing sharia marketing can increase consumer buying interest Abstrak Penelitian ini membahas implementasi marketing syariah dalam upaya meningkatkan minat beli konsumen. Kajiannya dilatar belakangi Masih minimnya pengetahuan dan ketertarikan konsumen mengenai retail-retail Islam, walaupun tinggal dikawasan yang masih kental dengan nilai-nilai agamis. Penelitian ini bertujuan untuk mengetahui dan memperoleh data di Al-Bahjah (AB) Mart Sendang Kabupaten Cirebon mengenai implementasi marketing syariah dalam upaya meningkatkan minat beli konsumen. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif. Sumber data yang digunakan ada yang bersifat teoritik dan empiric, data teoritik data-data yang berasal dari data buku-buku panduan yang ada kaitannya dengan skripsi ini, perpustakaan, media cetak dan media elektronik. Sample penelitian diambil dari lima informan. Setelah data terkumpul dilakukan tahap pengolahan data yang dikumpulkan melalui teknik observasi, wawancara, dokumentasi dan menggunakan instrument penelitian untuk memperoleh kesimpulan penelitian. Adapun hasil penelitian, implementasi marketing syariah telah diterapkan di Al-Bahjah (AB) Mart, hal tersebut bisa dilihat dari menerapkannya karakteristik marketing syariah. Minat beli konsumen di AB Mart setelah menerapkan marketing syariah setiap hari semakin bertambah konsumen yang berkunjung ke AB Mart. Ini membuktikan bahwa implementasi marketing syariah dapat meningkatkan minat beli konsumen. Kesimpulan dari penelitian ini bahwa marketing syariah dapat mempengaruhi minat beli konsumen di AB Mart Sendang, dengan menerapkan marketing syariah dapat meningkatkan minat beli konsumen
Pendayagunaan Wakaf Di Wakaf Mandiri Pada Masa Pandemi Covid-19 Perspektif Maqashid Al-Syariah Rofi’ah Khoirunnisa; Sri Abidah Suryaningsih
Ecopreneur : Journal of Sharia Economics Study Program Vol 5 No 01 (2024): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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Abstract

Abstract The use of waqf instruments to solve social and economic problems provides an opportunity to deal with the Covid-19 pandemic. This article aims to analyze the use of waqf in Mandiri Waqf during the Covid-19 pandemic and its compatibility with the concept of maqashid sharia. The method used in this research is descriptive qualitative. The research was conducted by direct interviews with waqf institutions and supported by secondary data obtained from various sources. The results of the study show that in the perspective of maqashid sharia, the utilization of waqf in independent waqf is in line with the objective of waqf, namely that the principal assets of waqf must be maintained so that the benefits can be taken in the long term. The waqf program run by institutions during the pandemic can be divided into three according to the concept of the needs of Maqashid Syariah Imam As-Syatibi, namely dharuriyah, hajiyah, and tahsiniyah. Keywords: Waqf utilization; Maqashid sharia; Pandemicontent Abstrak Pemanfaatan instrumen wakaf untuk menyelesaikan permasalahan sosial dan ekonomi memberi peluang untuk menangani pandemi Covid-19. Artikel ini bertujuan menganalisis pemanfaatan wakaf di Wakaf Mandiri pada masa pandemi Covid-19 dan kesesuaiannya dengan konsep maqashid syariah. Metode yang digunakan dalam penelitian ini adalah kualitatif deskriptif. Penelitian dilakukan dengan wawancara langsung kepada pihak lembaga wakaf serta didukung data sekunder yang diperoleh dari berbagai sumber. Hasil penelitian menunjukkan bahwa dalam perspektif maqashid syariah, pendayagunaan wakaf di Wakaf Mandiri telah sesuai dengan tujuan wakaf yakni dimana harta pokok wakaf harus dijaga agar dapat diambil manfaatnya dalam jangka panjang. Program wakaf yang dijalankan oleh lembaga pada masa pandemi dapat dibagi menjadi tiga sesuai konsep kebutuhan pada Maqashid Syariah Imam As-Syatibi, yaitu dharuriyah, hajiyah, dan tahsiniyah. Kata Kunci: Pendayagunaan Wakaf; Maqashid Al-Syariah; Pandemi
Faktor-Faktor Yang Mempengaruhi Keputusan Konsumen Dalam Pembelian Secara Online Budiana Budiana; Nur Muhammad Faiz Amin
Ecopreneur : Journal of Sharia Economics Study Program Vol 2 No 1 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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Abstract

The development of technology allows humans to do various things easily and practically. This encourages humans to be able to do various things at the same time. Not only does time become efficient, but the communication relationship is maintained even though it is a long distance. It is not only the social value that has been facilitated, but from an economic point of view, especially trade, that has been made easier. The seller only needs to be at the house or shop and the buyer doesn't need to come to the shop. This interaction via the internet is where the online shopping model occurs. The increasing demand online has resulted in the emergence of many online shopping service provider applications or what we usually call e-commerce. In e-commerce, sellers and buyers interact to sell and buy products and services. One thing that is interesting is how consumers make decisions to buy a product even though the product is not actually just an image. This is a curiosity to research further. In this research, the researcher conducted an investigation by conducting observations, interviews, and theoretically exploring the students of IAI Bunga Bangsa Cirebon Islamic Economics Study Program, semester 3. The results obtained were that on average they shop online at Shopee compared to other e-commerce. The products that consumers often buy in online shopping are fashion and shoes. The main reasons consumers buy goods online are low prices, practicality, and time efficiency. Abstrak Perkembangan teknologi memungkinkan manusia melakukan berbagai hal secara mudah dan praktis. Hal tersebut mendorong manusia mampu melakukan berbagai hal dalam waktu yang bersamaan. Tak hanya waktu yang menajadi efesien namun hubungan secara komunikasi tetap terjaga meski dalam jarak yang jauh. Bukan hanya pada nilai sosial yang dipermudahkan, namun pada segi ekonomi terutama perdagangan pun dipermudahkan. Penjual hanya cukup berada di rumah atau toko dan pembeli pun tidak perlu datang ke toko. Interaksi melalui internet inilah model pembelanjaan online terjadi. Semakin tingginya permintaan secara online mengakibatkan banyaknya bermunculan aplikasi penyedia jasa belanja secara online atau yang biasa kita sebut dengan ecommerce. Di ecommerce inilah penjual dan pembeli berinteraksi untuk menjual dan membeli produk dan jasa. Satu hal yang menarik adalah bagaimana konsumen membuat keputusan untuk membeli suatu produk padahal produk tersebut tidak secara nyata hanya dalam bentuk gambar. Inilah yang menjadi keingintahuan untuk meneliti lebih jauh. Dalam penelitian ini yang dilakukan oleh peneliti adalah mencari tahu dengan cara melakukan observasi, wawancara, dan menggali secara teori pada mahasiswa IAI Bunga Bangsa Cirebon Prodi Ekonomi Syariah semester 3. Hasil yang di dapat adalah rerata mereka berbelanja online di Shopee dibandingkan dengan ecommerce yang lain. Adapun produk yang sering dibeli oleh konsumen di belanja secara online adalah fashion dan sepatu. Alasan utama konsumen membeli barang secara online adalah harga yang murah, praktis, dan efesiensi waktu.
Analisis Strategi Pemasaran Syariah Dalam Meningkatan Minat Beli Produk Abon Ikan Toto Sukarnoto; Tarjono Tarjono; Nur Fauziyyah
Ecopreneur : Journal of Sharia Economics Study Program Vol 4 No 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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This study aims to determine sharia marketing strategies in increasing consumer buying interest in shredded catfish products at Winny Shredded Fish Sukapura-Cirebon. In this study, the method used is a qualitative method with a descriptive study. Qualitative research is research that describes current events, and describes these images, systematically and relates to the phenomenon being studied. This method seeks to present data and facts about the analysis of strategies to increase consumer buying interest in shredded catfish products at Winny Shredded Fish Sukapura-Cirebon by way of observation, in-depth interviews, documentation and triangulation. The subjects studied were owners, marketing, and consumers of Winny Shredded Fish. Based on the results of the research, the sharia marketing strategy in increasing consumer interest in buying shredded catfish products at Winny Shredded Fish Sukapura-Cirebon applies a word of mouth system with door to door and online marketing with a 4p marketing strategy. The sharia marketing strategy in increasing consumer buying interest for shredded catfish products at Winny Shredded Fish Sukapura-Cirebon has been quite good by applying the characteristics of sharia marketing, it has been proven that it already has many customers and agents as well as resellers in the Cirebon area and outside the city of Cirebon.Keywords : Marketing, Interest, Shrdded and Catfish Abstrak Penelitian ini bertujuan untuk mengetahui strategi pemasaran syariah dalam meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon. Dalam penelitian ini, metode yang digunakan adalah metode kualitatif dengan studi deskriptif. Penelitian kualitatif adalah penelitian yang menggambarkan peristiwa masa sekarang, dan mendeskripsikan gambaran tersebut, secara sistematis dan berhubungan dengan fenomena yang diteliti. Metode ini berusaha menyajikan data dan fakta-fakta tentang analisis strategi meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon dengan cara observasi, wawancara mendalam, dokumentasi dan triangulasi. Subjek yang diteliti yaitu owner, pemasaran, dan konsumen Winny Abon Ikan. Berdasarkan hasil penelitian, strategi pemasaran syariah dalam meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon ini menerapkan sistem word of mounth dengan dor to dor dan pemasaran lewat online dengan strategi pemasaran 4p. Strategi pemasaran syariah dalam meningkatkan minat beli konsumen produk abon ikan lele di Winny Abon Ikan Sukapura-Cirebon sudah cukup baik dengan menerapkan karakteristik marketing syariah terbukti sudah memiliki banyak pelanggan dan agen-agen juga reseller di wilayah Cirebon dan diluar kota Cirebon. Kata kunci : Pemasaran, Minat, Abon dan Ikan lele
Analisis Transaksi Jual Beli online Melalui Website Marketplace Shopee Menurut Konsep Bisnis di Masa Pandemic Covid 19 Gama Pratama
Ecopreneur : Journal of Sharia Economics Study Program Vol 1 No 2 (2020): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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With the advancement of the times, the concept of business today has changed all lines from offline buying and selling transactions to buying and selling online. Through this business concept, the existence of the internet or e-commerce only makes buying and selling transactions or legal relationships that occur shorter, easier and simpler. An agreement in the e-commerce transaction takes place, will relate to the parties that make the transaction. The purpose of this study is to find out how online buying and selling transactions on the shopee website during the Covid 19 pandemic and to find out the positive and negative impacts that arise in online buying and selling transactions according to business concepts in the economy. This research method is a qualitative research with library research (library research), namely research which sources of information from various library materials by reading and studying books and writings that have objects with discussion, this study takes a sample of online sales of the shopee marketplace in the city. cirebon and cirebon regency with a time span from March 1, 2020 to completion of this research. Based on the results of research on online buying and selling transactions among the public, especially during the Covid 19 pandemic in the 2nd period of Ramadan, Kurtal 1 increased to 25 times the number of visits compared to normal days. This pattern is a shift from conventional transaction systems to online transactions. Then, the positive and negative impacts of buying and selling online are an option and have risks that must be borne by the buyer, the positive impact on the business concept is profitable because it does not incur additional costs to go to the destination, it's just that the cost allocation is transferred to the quota and contents of the transaction system. with various non-cash payment tools that are now very familiar. Then the negative impact is that the buyer does not know the product is genuine or fake, and sometimes they have to be careful when they want to shop online, first look in terms of product assessment reviews and comments as a reference that the seller in the Shopee application is good according to the assessment criteria. Abstrak Dengan kemajuan zaman konsep bisnis pada zaman sekarang mengubah semua lini dari transaksi jual beli offline ke arah transaksi jual beli online. Melalui konsep bisnis tersebut adanya internet atau ecommerce hanya membuat transaksi jual beli atau hubungan hukum yang terjadi menjadi lebih singkat, mudah dan sederhana. Suatu perjanjian dalam transaksi e-commerce tersebut berlangsung, akan berhubungan dengan para pihak yang melakukan transaksi. Tujuan penelitian ini untuk mengetahui bagaimana transaksi jual beli online di website shopee pada masa pandemic covid 19 dan untuk mengetahu dampak positif dan negatif yang timbul dalam transaksi jual beli online menurut konsep bisnis dalam ekonomi. Metode penelitian ini merupakan penelitian kualitatif dengan library research (penelitian kepustakaan) yaitu penelitian yang sumber informasinya dari berbagai bahan kepustakaan dengan cara membaca dan menelaah buku-buku serta tulisan-tulisan yang ada objeknya dengan pembahasan, penelitian ini mengambil sample penjualan online marketplace shopee di kota cirebon dan kabupaten cirebon dengan rentang waktu mulai 1 maret 2020 sampai selesai penelitian ini dilakukann. Berdasarkan hasil penelitian transaksi jual beli online dikalangan masyarakat terutama masa pandemic covid 19 pada periode 2 dibulan ramadhan kurtal 1 meningkat hingga 25 kali lipat kunjungan dibandingkan hari biasanya. Pola seperti ini merupakan pergeseran dari sistem transaksi konvensional ke transaksi online. Kemudian, dampak positif dan negatif jual beli online merupakan suatu pilihan dan mempunyai resiko yang harus ditanggung oleh pembeli, dampak positif pada konsep bisnis menguntungkan sebab tidak mengeluarkan biaya tambahan untuk ke lokasi tujuan , hanya saja alokasi biaya itu dialihkan dengan kuota dan isi dari system transaksi tersebut dengan berbagai alat pebayaran non tunai yang sekarang sudah sangat familiar. kemudian dampak negatifnya pembeli tidak tahu produk tersebut asli atau palsu, serta terkadang harus berhati- hati ketika ingin belanja online melihat dulu dari segi review penilaian produk dan komentar sebagai acuan bahwa penjual di aplikasi shopee itu bagus sesuai dengan kriteria penilaian.
Pengaruh Financial Technology Dana Dan Ovo Terhadap Kepuasan Mahasiswa Berbelanja Di Tiktok Shop Dama Mustika; Anis Mahmudah Dariati
Ecopreneur : Journal of Sharia Economics Study Program Vol 4 No 2 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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The purpose of this research is to determine the effect of financial technology dana and ovo to the satisfaction of shopping students on tiktok shop. This type of research is quantitative. The population of this study amounted to 335 students with a sampling technique namely purposive sampling by 90 8th semester students. The data collected in this study through the spread of questionnaires with multiple linear regression analysis techniques using the 22 version of the SPSS program. The result of this research indicate that financial technology (fintech) danas have a positive effect on student satisfaction with a significance value of 0,000 < 0,05 and financial technology (fintech) ovos has a positive effect on student satisfaction with a significance value of 0,002 < 0,05. The simultaneous result of the independent variable dana and ovo is 38,474 > 3,101. Then the coefficient of determination (R2) is o,469 or 46,9%.Keywords : Financial Technology, Dana, Ovo, Satisfaction Abstrak Tujuan penelitian ini adalah untuk mengetahui pengaruh financial technology dana dan ovo terhadap kepuasan mahasiswa berbelanja di tiktok shop. Jenis penelitian ini bersifat kuantitatif. Populasi penelitian ini berjumlah 335 mahasiswa dengan teknik pengambilan sampel yaitu purposive sampling didapat 90 mahasiswa semester 8. Data yang dikumpulkan pada penelitian ini melalui penyebaran kuesioner dengan teknik analisis regresi linear berganda dengan menggunakan program SPSS versi 22. Hasil penelitian ini menunjukkan bahwa financial technology (fintech) dana berpengaruh positif terhadap kepuasan mahasiswa dengan nilai signifikansi 0,000 < 0,05 dan financial technology (fintech) ovo berpengaruh positif terhadap kepuasan mahasiswa dengan nlai signifikan 0,002 < 0,5. Hasil simultan variabel independen dana dan ovo sebesar 38,474 > 3,101. Kemudian koefisien determinasi (R2) sebesar 0,469 atau 46,9%.Kata Kunci : Financial Technology, Dana, Ovo, Kepuasan
Model Kurikulum Program Studi Ekonomi Islam Masa Depan Paturohman Paturohman
Ecopreneur : Journal of Sharia Economics Study Program Vol 1 No 1 (2020): Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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This article describes the Islamic economic curriculum that has been designed by the Ministry of Religion to be applied in all Islamic tertiary institutions, both public and private, that open Sharia economic study programs. Following the development now that Islamic economics study programs are much in demand by prospective students to enter the study program. However, according to the author, the curriculum prepared by the Ministry of Religion still does not reflect the face of Islamic economics. Therefore, the authors conducted a research study in several universities in the three regions of Cirebon. The results turned out to be the author found five private Islamic tertiary institutions that opened Sharia economic study programs namely the Bunga Bangsa Islamic Institute of Cirebon, Cirebon Islamic Religious High School, Prince Dharma Khusuma Islamic High School, Segram Indramayu, ISI Fahmina, and Nahdhatul Ulama University Cirebon. While others such as IAIN Sheikh Nurjati and Ma'had Ali Babakan Cirebon College opened Sharia Economic Law study programs. Of the five Islamic universities that opened Sharia economic study programs that have seen more advanced developments, Sharia economic study programs at BBC IAI. And the author found the design of the Shariah economics curriculum for the future namely that Sharia economics courses reflect Islamic values ​​so that the output produces graduates of Shariah economists who are reliable and can ground the Islamic economy on the prosperous and richest Indonesia in the world. Keywords: curriculum; Islamic economics; Islamic tertiary institutions Abtrak Artikel ini memaparkan tentang kurukulum ekonomi Syariah yang telah didesain oleh Kementerian Agama untuk diterapkan di semua perguruan tinggi Islam baik negeri atau swasta yang membuka prodi ekonomi Syariah. Mengikuti perkembangan sekarang bahwa prodi ekonomi Syariah banyak diminati oleh calon-calon mahasiswa untuk masuk pada prodi tersebut. Akan tetapi kurikulum yang telah disiapkan oleh Kementerian Agama itu menurut penulis masih belum mencerminkan wajah ekonomi yang Islami. Oleh itu, penulis melakukan studi penelitian di beberapa perguruan tinggi di wilayah tiga Cirebon. Hasil penelitian ternyata penulis menemukan lima perguruan tinggi Islam swasta saja yang membuka prodi ekonomi Syariah yakni Institut Agama Islam Bunga Bangsa Cirebon, Sekolah Tinggi Agama Islam Cirebon, Sekolah Tinggi Agama Islam Pangeran Dharma Khusuma Segeran Indramayu, ISI Fahmina, dan Universitas Nahdhatul Ulama Cirebon. Sedangkan yang lain seperti IAIN Syekh Nurjati dan Sekolah Tinggi Ma’had Ali Babakan Cirebon membuka prodi Hukum Ekonomi Syariah, Dari kelima perguruan tinggi Islam yang membuka prodi ekonomi Syariah yang sudah terlihat nampak perkembangan lebih maju adalah prodi ekonomi Syariah di IAI BBC. Dan penulis menemukan desain kurukulum ekonomi Syariah untuk masa depan yakni bahwa mata kuliah-mata kuliah ekonomi Syariah mencerminkan nilai-nilai Islam sehingga output nya menghasilkan lulusan ekonom-ekonom Syariah yang handal dan bisa membumikan ekonomi Islam dibumi Indonesia yang makmur dan terkaya di dunia. Kata kunci: kurikulum; ekonomi Syariah; perguruan tinggi Islam
Pengaruh Customer Centric Dan Religious Framing Terhadap Keputusan Pembelian gilang kharisma putra; Fitria Yuni Astuti
Ecopreneur : Journal of Sharia Economics Study Program Vol 4 No 01 (2023): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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This study aims to examine the effect of customer centricity and religious framing on purchasing decisions with the Hajah Subagyo restaurant as the research sample, the Hajah Subagyo restaurant was chosen because it represents the Islamic name in the business name, namely "hajah". Sampling using Accidental sampling method. This method is a technique of determining sampling based on chance, that is, anyone who meets the researcher by chance can be used as a sample. So the sample in this study were visitors to the Hajah Subagyo Kendal restaurant who accidentally visited the restaurant on the 3rd day of the data collection process. So the number of samples used in this study was obtained as many as 151 respondents who visited the Hajah Subagyo restaurant. The results of the study revealed that customer centricity and religious framing had a significant effect based on statistical tests with respective values ​​of 0.186 and 0.673.
Significance Of Mobile Banking Services In Indonesia: Through The Impact Of Bca Syariah Customer Satisfaction And Loyalty Pipit Larasati; Riyan Andni; M Fatchurrohman; Mohd Rushdan Yasoa; Nur Wulan Intan Palupi
Ecopreneur : Journal of Sharia Economics Study Program Vol 5 No 02 (2024): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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This study was conducted at IAIN Kudus. The purpose of this study is to ascertain how Indonesian BCA Syariah customers' loyalty and level of satisfaction affects their use of mobile banking services. In order to conduct this study, quantitative methods were used. Customers of BCA Syariah in Indonesia make up the population used in this study; 106 samples were collected as responders. employing purposive sampling, a non-probability sampling technique. Respondents to the questionnaires were given out in order to collect data for this study. Following the collection of the data, data analysis was done using SPSS tools to process the results of validity and reliability tests, classical assumption tests, and hypothesis testing. Based on the findings of the analysis that was done, this study demonstrates that. Based on the t test, satisfaction and loyalty variables partially influence m-bankin services. And based on the F test, the variables of satisfaction and loyalty jointly influence mobile banking services.
Analisis Transaksi Kredit Pemilikan Rumah (KPR) Dalam Tinjauan Hukum Islam Di Bank Tabungan Negara Syariah Cirebon Mohammad Ridwan; Frida Eka Rahmatunnisa; Salmah Salmah
Ecopreneur : Journal of Sharia Economics Study Program Vol 2 No 2 (2021): Ecopreneur : Jurnal Ekonomi dan Bisnis Islam
Publisher : Institute of Research and Community Service at Islamic University of Bunga Bangsa Cirebon

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Abstract

The house is one of the primary needs for humans, in today's era because the house is an important part of a place to live or shelter for humans from exposure to sunlight and rain. This study aims to determine the analysis of the Home Ownership Credit (KPR) program transactions in the Islamic Law Review at Bank BTN Syariah Cirebon Branch. This research method uses qualitative research with a descriptive approach with data collection in this study using observation, interviews, documentation and data triangulation. The conclusion of this research is that housing loans (KPR) can be used by the wider community because KPR makes it easy for people who want to own a house at an affordable cost. KPR is provided by the government in collaboration with banks for people who do not have a home. Meanwhile, the analysis of housing ownership credit transactions (KPR) in Islamic banking in the review of Islamic law can be applied with a murabahah contract in accordance with sharia provisions. This murabahah contract provides a solution for people who want to own a house at an affordable cost through a financing mechanism facilitated by housing and banking developers to fulfill housing needs for the community. Abstrak Rumah merupakan salah satu kebutuhan primer bagi manusia, di era sekarang karena rumah menjadi bagian penting sebagai tempat tinggal atau hunian untuk berlindung bagi manusia dari terpaan sinar matahari dan hujan. Penelitian ini bertujuan untuk mengetahui analisis transaksi program Kredit Pemilikan Rumah (KPR) dalam Tinjauan Hukum Islam di Bank BTN Syariah Cabang Cirebon. Metode penelitian ini menggunakan penelitian kualitatif dengan pendekatan deskriptif dengan pengumpulan data dalam penelitian ini menggunakan obsevasi, wawancara, dokumentasi dan triangulasi data. Kesimpulan dari penelitian ini adalah bahwa Kredit Pemilikan Rumah (KPR) dapat dimanfaatkan oleh masyarakat luas karena KPR memberikan kemudahan bagi masyarakat yang ingin memiliki rumah denga biaya terjangkau. KPR disediakan oleh pemerintah yang bekerjasama dengan perbankan untuk masyarakat yang belum memiliki rumah. Sedangkan analisis transaksi kredit pemilikan rumah (KPR) pada perbankan syariah dalam tinjauan hukum islam dapat diterapkan dengan akad murabahah yang sesuai dengan ketetapan syariah. Akad murabahah ini memberikan solusi bagi masyarakat yang hendak memiliki rumah dengan biaya terjangkau melalui mekanisme pembiayaan yang difasilitasi oleh developer perumahan dan perbankan untuk pemenuhan kebutuhan rumah bagi masyarakat.

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