Journal of Economic and Islamic Research

Pengaruh Kualitas Produk dan Kepercayaan Nasabah Terhadap Minat Menabung pada Produk Tabungan Qalam

2024-11-30T02:14:11+00:00

Minat nasabah untuk menabung dipengaruhi oleh berbagai faktor, termasuk kualitas produk yang ditawarkan oleh lembaga keuangan dan tingkat kepercayaan nasabah terhadap produk tersebut. Produk tabungan Qalam dari PT BPRS Lantabur Tebuireng Cabang Mojokerto merupakan salah satu layanan yang ditujukan untuk meningkatkan partisipasi pelajar dalam menabung. Penelitian ini menganalisis pengaruh dua faktor utama yaitu, kualitas produk dan kepercayaan nasabah terhadap minat menabung pada produk tabungan Qalam. Kualitas produk (X1) diukur melalui fitur produk, keandalan, dan kemudahan akses, sementara kepercayaan nasabah (X2) mencakup kepercayaan terhadap bank dan keamanan produk. Variabel dependen dalam penelitian ini adalah minat menabung (Y), yang dievaluasi berdasarkan niat menabung, frekuensi menabung, dan jumlah tabungan. Data dikumpulkan menggunakan kuesioner dan dianalisis dengan regresi linier berganda. Hasil penelitian menunjukkan bahwa kedua variabel, kualitas produk dan kepercayaan nasabah, memiliki pengaruh positif yang signifikan terhadap minat menabung. Temuan ini memberikan wawasan bagi lembaga keuangan dalam meningkatkan layanan dan membangun kepercayaan nasabah untuk mendorong minat menabung.

Kebijakan Moneter dalam Perspektif Islam

2024-11-30T02:06:28+00:00

Monetary work in the context of Islamic economics which considers social justice and fraternity, in Islamic economics, monetary work does not only focus on supply and demand for money, it is also focused on the principles of fair trade and inclusion. Irnir is based on a conventional approach that often only considers price stabilization and economic growth. In the context of economics, monetary work in Islamic economics is intended to create economic stability in a way that considers the distribution of wealth and income in a balanced manner I'm here. This is not an important thing to prevent economic imbalances that can disrupt the social and economic balance in society. An artillery analysis methodology that uses a qualitative analysis approach with an integrated analytical analysis method helps to explain scientific concepts in depth. Derscrirptirf analysis allows authors to describe and explain the phenomena or concepts of dertairl based on the findings of the analysis. By implementing monetary work that takes into account the inequalities of justice and brotherhood, it is hoped that a country's economy can achieve stability sustainable paper, by considering the balance between circulating money and the number of goods and services available. Disbalance in environmental matters can cause serious economic disruptions. Jadir, it is important to understand that in an Islamic economic context, monetary work is not only about traditional macroeconomic stability, it is also about creating conditions that support social and economic stability the wider one

Pembiayaan Usaha Mikro (KUR) Pada Bank Syariah Indonesia KCP Pare Kediri: Prosedur dan Tantangannya

2024-11-30T02:08:21+00:00

Penelitian ini bertujuan untuk menganalisis prosedur dan tantangan dalam pembiayaan usaha mikro melalui Kredit Usaha Rakyat (KUR) pada Bank Syariah Indonesia (BSI) KCP Pare Kediri. Penelitian ini menggunakan Metode Pendekatan deskriptif kualitatif digunakan dengan data yang diperoleh melalui wawancara mendalam, observasi, dan penelitian di kantor. Hasil penelitian menunjukkan bahwa prosedur pembiayaan KUR di BSI meliputi pengumpulan dokumen, analisis kelayakan usaha, kontrak pembiayaan sesuai prinsip syariah dan pencairan modal. Proses ini mengutamakan penghormatan terhadap nilai-nilai syariah dengan program seperti murabahah dan ijarah. Namun terdapat berbagai tantangan yang dihadapi seperti rendahnya tingkat literasi keuangan syariah di kalangan nasabah, keterbatasan akses terhadap dokumen usaha mikro dan dampak ketidakstabilan perekonomian terhadap kelangsungan operasional usaha. Studi ini merekomendasikan penguatan literasi keuangan syariah, peningkatan efisiensi prosedur, dan pengembangan strategi mitigasi risiko untuk mendukung keberlanjutan pembiayaan KUR berbasis syariah. Menunjukkan perlunya program pendidikan keuangan, prosedur administrasi yang inovatif, dan peningkatan strategi mitigasi risiko untuk meningkatkan kinerja keuangan. Hasil ini diharapkan dapat berkontribusi dalam optimalisasi penerapan KUR berbasis syariah.

Ekonomi Islam; Kepemilikan dan Tauhid dalam Islamic In Transition Muslim Perspecites

2024-11-30T03:26:16+00:00

The theory of private ownership is wealth owned by society, but a person is given conditional freedom of authority, so controlling wealth is a mandate and it is legal to take advantage of it without restrictions according to the Shari'a which must respect the rights of others or not endanger the interests of the general public. A person's rights to their wealth are limited by certain guidelines and receive review from the government with the aim of protecting the wealth of small community groups so that it remains in line with the objectives of Islamic economics in overcoming capital accumulation and centralization of power. Ownership of property according to absolute theory is contrary to Islamic law, because absolute ownership belongs only to Allah SWT. Humans only have ownership rights as a trust, which must be held accountable to the presence of Allah SWT.

A Comparative Analysis Of Islamic Economic Thought: Abu Yusuf And M. Umer Chapra

2024-11-30T02:12:39+00:00

This article discusses the Islamic economic thoughts of two prominent figures, Abu Yusuf and M. Umer Chapra, focusing on the main question of how their contributions in different historical contexts can provide insights for the development of Islamic economic theory. Abu Yusuf, a jurist from the Abbasid era, through his work Kitab al-Kharaj, laid the foundation of economic thought focusing on state financial administration, taxation, and social justice. In contrast, M. Umer Chapra, a contemporary economist, integrates Islamic economic principles with modern challenges such as globalization and financial instability, emphasizing the importance of moral values in economics. This research uses a qualitative method with a literature study approach to comparatively analyze the thoughts of these two figures. The main findings indicate that despite the differences in historical context, the thoughts of Abu Yusuf and Chapra complement each other in offering solutions to achieve social justice and economic stability. Abu Yusuf focuses more on technical and administrative aspects, while Chapra emphasizes ethical and moral values. This combination of classical and modern thought provides a strong foundation for the holistic and applicable development of Islamic economics in the contemporary era.

Analisis Determinan Pembatalan Setoran Haji Pada Bank Muamalat KCP Sumenep

2024-12-13T23:45:08+00:00

This studi aims to analyze the determinants that cause customers to cancel pilgrimage deposits. This research was examined using a type of descriptive qualitative research in the field (field research). The instrument for collecting data used field observation techniques by going directly to see field conditions and followed by structured interview techniques. The results of this study explain that there are two factors that cause customers to cancel hajj deposits, namely internal factors originating from customers such as health problems and urgent needs. While external factors originating from outside the scope of the customer, namely the long waiting period for hajj departure, old age, issues that cannot be confirmed, such as the inability to depart for prospective pilgrims aged 60 years and over and issues regarding sudsidy policies being abolished, there is hajj furoda program and died.

Fiqh Kontemporer dalam Pengaturan Etika Media Sosial Bagi Umat Muslim

2024-12-13T23:48:35+00:00

The digital era has transformed human interaction and communication, with social media emerging as a primary platform for sharing information and fostering global dialogue. However, social media presents ethical challenges, particularly for Muslims striving to adhere to Islamic principles. This study examines the role of contemporary fiqh in establishing ethical guidelines for social media usage among Muslims. Utilizing a qualitative approach, data were collected through literature reviews, interviews with Islamic scholars and social media users, and participatory observations. The findings highlight key fiqh principles—truthfulness, justice, privacy preservation, and avoidance of slander and gossip—as essential for responsible social media engagement. Challenges identified include the spread of misinformation, hate speech, and privacy violations. Fatwas from institutions like the Indonesian Ulema Council provide practical guidelines, emphasizing ethical communication and respect for others' rights. The study underscores the importance of education on digital ethics rooted in Islamic values to address the evolving ethical dilemmas of the digital age. Recommendations include broader dissemination of fiqh-based ethical frameworks to promote responsible and value-driven social media usage among Muslim communities.

Peran Masjid dalam Pengembangan Sosial dan Ekonomi Masyarakat

2024-12-13T23:50:00+00:00

Mosques hold a vital role in the socio-economic development of Muslim communities, serving not only as places of worship but also as hubs for education, social services, and economic empowerment. This study explores the multifaceted functions of mosques in Indonesia, focusing on their contributions to social welfare and local economic growth. Using a qualitative case study approach, data were collected through interviews, participatory observations, and document analysis at mosques actively engaged in social and economic initiatives. Findings reveal that mosques contribute significantly to community development through educational programs, healthcare services, and humanitarian aid while also supporting economic activities via microenterprise training, cooperative management, and efficient utilization of zakat funds. Despite these achievements, challenges such as limited resources, management skills, and public engagement were identified as barriers to optimizing mosque programs. The study recommends enhancing mosque management capabilities, fostering partnerships with governmental and private organizations, and adopting transparent financial practices to maximize community impact. These insights underscore the potential of mosques to serve as comprehensive centres for societal advancement.

Penerapan Down Payment dalam Akad Ijarah pada Delima Decoration di Desa Planggiran Kecamatan Tanjung Bumi Kabupaten Bangkalan

2024-12-17T06:06:29+00:00

Abstrak

Penelitian ini memiliki dua rumusan masalah, pertama, penerapan down payment pada Delima Decoration di desa Planggiran kecamatan Tanjung Bumi kabupaten Bangkalan dan penerapan down payment dalam akad ijarah pada Delima Decoration di desa Planggiran kecamatan Tanjung Bumi kabupaten Bangkalan. Tujuan dari penelitian ini adalah untuk mengetahui penerapan down payment pada Delima Decoration di desa Planggiran, kecamatan Tanjung Bumi, kabupaten Bangkalan, serta untuk mengetahui bagaimana penerapan down payment dalam akad ijarah pada Delima Decoration di desa tersebut. Desain penelitian ini adalah penelitian kualitatif dengan metode deskriptif. Hasil penelitian menunjukkan bahwa penerapan uang muka di Delima Decoration, desa Planggiran, kecamatan Tanjung Bumi, kabupaten Bangkalan memungkinkan konsumen untuk memesan langsung atau secara online melalui media sosial. Jika konsumen setuju untuk menyewa, mereka harus membayar uang muka (down payment) terlebih dahulu sebagai modal awal penyewaan. Namun, jika konsumen membatalkan pemesanan, uang muka (down payment) yang sudah dibayarkan tidak dapat dikembalikan sesuai dengan perjanjian awal. Sisa pembayaran uang muka dapat dibayarkan setelah acara selesai atau setelah masa penyewaan berakhir. Penerapan uang muka (down payment) dalam akad ijarah ini sudah sesuai dengan prinsip ekonomi syariah dan merupakan akad ijarah Mutlaqah.