MPLEMENTASI AKAD IJARAH MULTIJASA SEKTOR PENDIDIKAN: STUDI KASUS BANK CIMB NIAGA SYARIAH

Abstract

One of the Islamic banking products that is quite flexible is multi-service Ijarah. This paper aims to analyze the implementation of multi-service ijarah contracts in one of the Islamic banks, especially for financing the education sector. The implementation of multiservice ijarah financing is carried out in accordance with the Fatwa of the National Sharia Council (DSN) of the Indonesian Ulema Council (MUI) by combining the ijarah contract and the wakalah contract. However, there are still obstacles to identify financing objects in this education sector. In addition, the status of using the wakalah contract as a supporting contract is still unclear in the practice of multi-service ijarah. The issue of the imposition of fines by banks is also an important discussion as a solution to provide optimal services for customers who need financing in the education sector. Continue reading “MPLEMENTASI AKAD IJARAH MULTIJASA SEKTOR PENDIDIKAN: STUDI KASUS BANK CIMB NIAGA SYARIAH”

ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani

Abstract

This study is intended to determine the weakness points of multilevel gold pawn investment practice in Islamic financial institutions and to find out an alternative gold investment to avoid those weakness points. The research method used is a qualitative method with primary and secondary data collected through observation on Islamic financial institutions and literature review then analyzed critically and solutively. After conducting a critical analysis, it turns out that the implementation of multilevel gold pawn investment has several major weaknesses such as having to allocate certain costs to other party, there is no certainty that the price of gold will rise in the future, and the risk of loss is very high. Meanwhile, buying gold independently according to the ability of the customer then selling it and right at the moment the proceed of the sale is used to buy gold by the same size again and the next gold with smaller size in case it is done repeatedly, it can be considered as an alternative. Continue reading “ANALISIS KRITIS ATAS PELAKSANAAN INVESTASI GADAI EMAS BERTINGKAT PADA LEMBAGA KEUANGAN SYARIAH Dwi Umardani”

THE EFFECT OF SERVICE QUALITY AND BRAND EQUITY OF DIGITAL SHARIA PAWNSHOP ON CUSTOMER SATISFACTION

Abstract

The purpose of this study was to determine the effect of service quality variables (X1) and brand equity (X2) of digital sharia pawnshops on customer satisfaction in Yogyakarta sharia pawnshops. The research data collecting was through questionnaire method which was distributed to 42 pawnshop customers using purpose sampling method. The quantitative analysis includes validity, reliability test, classical assumption test including normality test, hetoroscedasticity test, multicollinearity test. The hypothesis testing was through T test and simultaneous test. The results of this study show that service quality has a significant positive effect on customer satisfaction with the value of t = 1.796. Brand Equity has a significant positive effect on customer satisfaction with the value of t = 2.956. The results simultaneously show the magnitude of the F value with a significance of 0,000 <0.05, so it can be concluded that simultaneously service quality and brand equity variables affect customer satisfaction variables. Continue reading “THE EFFECT OF SERVICE QUALITY AND BRAND EQUITY OF DIGITAL SHARIA PAWNSHOP ON CUSTOMER SATISFACTION”

Analisis Perilaku Konsumen, Perilaku Produsen, dan Pasar dalam Islam Pada Masyarakat

Abstract

In the current development of many economic activities that use the sharia system because the sharia system is not only beneficial to one party, but can benefit all parties, and the goal of the sharia system itself is to achieve mutual benefit. In the economy itself needs to pay attention about the behavior of consumers, producers and markets. Consumer behavior is a decision-making activity in purchasing activities. Consumer behavior can affect the number of requests and needs. Producer behavior is the activity of producing goods or services that can be used to meet consumer needs. This behavior influences the amount of production and supply of goods or services. Market behavior is a habitual pattern of the market including the decision making process as well as individual or organizational physical activities on certain products. The type of market also influences the prices of goods and services. In Islam, these three behaviors must be based on Islamic teachings, namely, monotheism, justice, nubuwah, caliph, ma’ad. It aims to bring benefits and benefit to the community and achieve the blessings and blessings of Allah SWT. Continue reading “Analisis Perilaku Konsumen, Perilaku Produsen, dan Pasar dalam Islam Pada Masyarakat”

ANALISIS KUANTITAS DAN KUALITAS TENAGA KERJA PERBANKAN SYARIAH YANG TERDAMPAK DISRUPSI DIGITAL

Abstract

The challenge for the industrial era 4.0 towards the industrial era 5.0 which is felt by humans is the loss of many skills that are usually carried out by humans who are transferred to technology. The transformation of banking services due to technological disruptions felt by the banking world, conventional services that have been carried out face-to-face have been replaced by technology, business activities and banking products can be said to be disrupted by the emergence of various finances. technology platforms, especially those engaged in P2P Lending and Payment. This can threaten human resources in the banking world if there is no solution and adaptive action taken by the bank so that banking human resources will still have a place according to their level of expertise. Interpreting from primary and secondary data sources, the result is that there has been a significant decrease in the quantity of banking human resources, but simultaneously the bank is reskilling to improve the quality of human resources to be ready to face changes in banking services. towards an excellent service digital banking system that still adheres to the principle of prudence. Continue reading “ANALISIS KUANTITAS DAN KUALITAS TENAGA KERJA PERBANKAN SYARIAH YANG TERDAMPAK DISRUPSI DIGITAL”