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Didik Himmawan
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aimmahkjii@gmail.com
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Perumahan Griya Ayu Utama Jalan Cengkir 3 Nomor 29 Desa Singajaya Kecamatan Indramayu, Kab. Indramayu, Jawa Barat 45218
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Aimmah: Social Sciences Journal
Published by Konsultan Jurnal Ilmiah Indonesia
ISSN : -     EISSN : 30891450     DOI : https://doi.org/10.63738/aimmah.v1i1.2
Core Subject : Humanities, Education, Art, Social,
Arts Humanities Education Languange, Linguistic, Communication & Media Social Sciences
Aimmah, Social Sciences Journal is an open access and peerr eviewed journal published by Konsultan Jurnal Ilmiah Indonesia which provides articles in all fields of social sciences and related disciplines. The word Aimmah is taken from Arabic, namely أئمة which means leader. The use of the word Aimmah has the meaning that this journal is expected to be one of the journals that dominates the publication of good and quality articles as an initiator in writing works related to social sciences. Aimmah, Social Sciences Journal contains scientific papers from researchers, academics, and practitioners. Specifically, scientific papers that discuss general topics in Social Sciences include: Administration, Anthropology, Accounting, Archeology, Demography, Economics, Geography, Law, Environmental Science, Criminology, Linguistics, Education, Politics, Psychology, History, Sexology, Sociology.
Arjuna Subject : Ilmu Sosial - Ilmu Sosial (Lain-Lain)
Articles 5 Documents
 1 
Search results for , issue "Vol. 1 No. 3 (2025)" : 5 Documents clear
Student Interest in Student Savings Products at BPRS HIK Parahyangan Indramayu Branch Annita Widiastuti; Didik Himmawan
Aimmah: Social Sciences Journal Vol. 1 No. 3 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/aimmah.v1i3.12

Abstract

Savings products for students at BPRS HIK Parahyangan, aims to determine how much interest students have in student savings. Student savings are savings for students issued nationally by banks in Indonesia with easy and simple requirements and attractive features. This Student Savings savings product uses the wadiah contract. The background of this research on student savings products is due to the tight competition between student savings products at BPRS HIK Parahyangan and student savings products at other Islamic Banks. This study uses a qualitative approach that is descriptive in nature. While this type of research is conducted with field research. data collected from interviews, as well as primary and secondary data.  Based on the results of this study conducted by the author, it can be seen that among students there are still many who are not familiar with BPRS HIK Parahyangan Indramayu Branch, still lack interest in saving at BPRS HIK Parahyangan Indramayu Branch, Still Lack of Understanding of Student Savings Products, Lack of public attention to student savings promotions, still many who do not fully trust BPRS HIK Parahyangan Indramayu Branch.
Implementation of Murabahah Contract in Pension Financing at BPRS HIK Parahyangan Indramayu Branch Esha Safitri; Didik Himmawan
Aimmah: Social Sciences Journal Vol. 1 No. 3 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/aimmah.v1i3.13

Abstract

Islamic banks are one of the financial institutions that mediate the liquidity needs of the community through various products and services they have. The products owned by Islamic banks are increasingly developing and competing, one of which is a pension financing product which is a consumer financing that is only given to retirees. Murabahah contract is one of the widely used sharia financing instruments, where the Bank buys goods and sells them to customers with an agreed profit margin. Pension financing is one of the financing that has a small risk. The development of Pension Financing customers at BPRS HIK Parahyangan Indramayu Branch has fluctuated. The formulation of the problem in this study is how the application of the murabahah contract in pension financing at BPRS HIK Parahyangan. The purpose of this study is to find out about the application of the murabahah contract in pension financing at BPRS HIK Parahyangan Indramayu Branch. This research is a field research using a qualitative descriptive method. Where the data sources are primary and secondary obtained through interviews, observations and documentation.  Data processing begins with correcting the data, followed by rearranging the data and analyzing the existing data to find results (conclusions) as answers to the problem formulation.
Analysis of Musyarakah Contract Practices in Property Financing at BPRS HIK Parahyangan Indramayu Didik Himmawan; Nurcahyani
Aimmah: Social Sciences Journal Vol. 1 No. 3 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/aimmah.v1i3.14

Abstract

This study aims to analyze the practice of musyarakah contracts in property financing implemented by the Sharia People's Financing Bank (BPRS) HIK Parahyangan Indramayu. The main focus of this study is on the profit sharing pattern applied and the standardization of musyarakah contracts used in the financing. The research method used is a qualitative approach with data collection techniques through in-depth interviews, observations, and analysis of related documents. The results of the study indicate that the profit sharing pattern in the musyarakah contract at BPRS HIK Parahyangan Indramayu has been adjusted to sharia principles, by considering fairness and transparency between the bank and the customer. The standardization of musyarakah contracts at this bank includes clear procedures, detailed requirements, and implementation guidelines that refer to the fatwa of the National Sharia Council (DSN-MUI). This study contributes to the development of sharia financing practices in Indonesia, especially in the application of musyarakah contracts in the property sector.
Implementation of Murabahah Contract on Employee Welfare Financing Products at Bank BJB Syariah KCP Indramayu Aden Bagas Gumelar
Aimmah: Social Sciences Journal Vol. 1 No. 3 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/aimmah.v1i3.15

Abstract

Research conducted at Bank BJB Syariah KCP Indramayu regarding the application of the murabahah contract to Employee Welfare Financing (PKP) products shows that the murabahah contract is applied in the form of buying and selling, where goods are sold at a mutually agreed price along with a profit margin. The PKP financing process includes several stages, such as applying for financing, verifying customer data, assessing customer eligibility, financing approval, signing the contract, and disbursing funds. This entire process is in accordance with the pillars and conditions of the murabahah contract which refer to the National Sharia Council Fatwa No. 04/DSNMUI/IV/2000 concerning murabahah. The financing provided in this PKP product is sharia financing, the implementation of which is in accordance with Islamic law. In sharia financing products, giving interest or usury is prohibited, and instead, financing is carried out based on the principle of profit sharing according to the agreement between the bank and the customer. Thus, the implementation of the murabahah contract on PKP products at Bank BJB Syariah KCP Indramayu has been carried out in accordance with sharia provisions, providing financing solutions to employees in a fair manner and in accordance with Islamic law.
Epistemological Basis of Guidance and Counseling Science in the Era of Rapid Social and Cultural Change Yona Apriliana; Yeni Karneli; Puji Gusri Handayani
Aimmah: Social Sciences Journal Vol. 1 No. 3 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/aimmah.v1i3.17

Abstract

The rapid pace of social and cultural change necessitates a re-evaluation of the epistemological foundations of Guidance and Counseling, particularly within multicultural societies. This article aims to critically examine the epistemology of counselling by emphasizing the importance of contextual and reflective approaches grounded in local values. Employing a qualitative method through a literature review, data were collected using documentation techniques and analyzed through content analysis of relevant academic sources. The findings reveal that the dominance of Western paradigms in counselling epistemology needs to be complemented with indigenous approaches that are more adaptive to socio cultural dynamics. This study contributes theoretically to the development of counselling as a humanistic and culturally sensitive discipline, while also encouraging curriculum reform and inclusive counseling practices. Future research is recommended to empirically validate these conceptual findings through field studies and real world counseling practice.

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