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All Journal Indonesian Journal of Dialectics El-HARAKAH : Jurnal Budaya Islam IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan Episteme: Jurnal Pengembangan Ilmu Keislaman al-Afkar, Journal For Islamic Studies Istinbath: Jurnal Penelitian Hukum Islam Syari'ah Economics Epistemé: Jurnal Pengembangan Ilmu Keislaman
Sumadi
Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, Indonesia
Religion Arts Humanities Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

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Journal : Syari'ah Economics

 1 
THE INFLUENCE OF AKAD BA'I BITSAMAN AJIL ON VEHICLES TO INCREASING INCOME BMT AL-ISTIQOMAH CIAMIS Sumadi Sumadi; Ahmad Rojul Ishak; Siti Rif’ah Nuralawiyah Esa
Syari'ah Economics Vol 2 No 2 (2018): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (66.044 KB)

Abstract

Ba'i Bitsaman Ajil (BBA) financing is widely practiced by Islamic financial institutions including the BMT Al-Istiqomah. However, in the application of the Ba'i Bitsaman Ajil (BBA) contract at BMT Al-Istiqomah, it is different from other financial institutions. As in BMT AM-MU Pasuruan this financing is used to finance micro businesses and also at BMT Hudatama Semarang is used to finance home renovations. While at BMT Al-Istiqomah, the Ba'i Bitsaman Ajil contract was practiced to meet the needs of the community in financing vehicles in the form of motorbikes or cars. BMT Al-Istiqomah can contribute to helping people to have transportation vehicles. Therefore, the authors are interested in conducting research on the Influence of the Ba'i Bitsaman Agreement on the Vehicle Against Increasing Income of BMT Al-Istiqomah Ciamis. The research method used is descriptive-qualitative and quantitative methods (mixed method). While the data collection techniques used are observation, interviews, and documentation. To test the validity of the data, this research uses triangulation method. After analyzing the data, the authors draw the following conclusions: 1) the procedure for financing the Ba'i Bitsaman Ajil agreement that must be fulfilled by each prospective customer begins with the submission of the application until the approval of the realization of financing and using the principle of 5C financing (caracter, capital, condition) analysis. , capacity, and coreteral); 2) How to determine the Margin in the Ba'i Bitsaman Ajil agreement on vehicle financing at BMT Al-Istiqomah has fulfilled the requirements in calculating the sale and purchase by installments or installments as well as determining the margin of the principal price based on the agreement of both parties. (BMT and customers); 3) After data analysis which includes testing the hypothesis, the average income figure in BMT Al-Istiqomah Ciamis in the June-May 2016-2017 period is highest at the Ba'i Bitsaman Ajil agreement with an average number of 10,827,917 while from the other contract is the Murabahah contract 10,236,667, pawn contract 3,259,917, Rahn agreement 2,371,500. Musyarakah agreement 1,660,750, Hasan Qordu agreement 1,157,833. then it can be concluded that the contract of Ba'i Bitsaman Ajil greatly influences the increase in income of BMT Al-Istiqimah Ciamis compared to other contract products found on the BMT.
PENGARUH MOTIVASI MENGHINDARI RIBA DAN PENGETAHUAN PRODUK PERBANKAN SYARIAH TERHADAP KEPUTUSAN MENJADI NASABAH DI BANK JABAR BANTEN SYARIAH KCP CIAMIS Eka Fitria; Sumadi Sumadi; Eggy Armand Ramdani
Syari'ah Economics Vol 3 No 2 (2019): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

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This study aims (1) to determine the effect of the motivation to avoid usury on the decision to become a customer at Bank Jabar Banten Syariah KCP Ciamis; (2) to determine the effect of product knowledge on the decision to become a customer at Bank Jabar Banten Syariah KCP Ciamis; and (3) to determine the effect of motivation to avoid usury and knowledge of Islamic banking products on the decision to become a customer at Bank Jabar Banten Syariah KCP Ciamis. This quantitative research uses the correlational method. The results showed that (1) there was an influence of the motivational variable to avoid usury on the decision to become a customer at BJBS KCP Ciamis. This is evidenced by the value of t-count (2.058) > t-table (2.051); (2) there is an influence of knowledge of Islamic banking products on the decision to become a customer at BJBS KCP Ciamis. This is evidenced by t-count (2,920) > t-table (2,051); and (3) simultaneously, the variables of motivation to avoid usury and knowledge of Islamic banking products together influence the decision to become a customer at BJBS KCP Ciamis. This is shown from f-count (27.534) > f-table (3.354).
IMPROVEMENT OF CUSTOMERS INCOME THROUGH MURABAHAH PRODUCT IN LKS AL-USWAH DISTRICT CIAMIS Sumadi Sumadi; Frisky Rais Nurhasan
Syari'ah Economics Vol 4 No 1 (2020): Islamic Economic Studies
Publisher : Fakultas Ekonomi dan Bisnis Islam, Institut Agama Islam Darussalam (IAID) Ciamis, Jawa Barat, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (439.658 KB) | DOI: 10.36667/se.v4i1.197

Abstract

This research was conducted to find out the effect of murabahah financing on increasing customer’s income. The study was conducted in one of the fastest-growing syariah financial institutions in LKS Al-Uswah Branch Ciamis. Murabahah financing is one of the productive financing developed at LKS Al-Uswah Branch of Ciamis. The descriptive verivikatif method is used with the correlational research approach (correlational research). This study’s data collection techniques are by questionnaire—the number of samples taken with incidental sampling technique of 30 customers. The data of this research are financial data analyzed with a coefficient of determination and simple linear regression. The paired t-test sample was used to analyze customers’ income before and after financing. The magnitude of murabahah financing effect to increase customer income in this research is 17,3%. In comparison, the rest that is 82,7%, is another factor that can influence the growth of customers’ income besides murabahah financing. Correlation coefficient value included in the category of moderate level of relations that is equal to 0.416, the value of correlation is marked positive (+), meaning the relationship of financing with income increase is unidirectional. So it can be concluded that murabahah financing significantly affects the increase in customer’s income.
Co-Authors Ahmad Rojul Ishak Anis Aljalis Rahmah Anis Anjalis Eggy Armand Ramdani Eka Fitria Frisky Rais Nurhasan Haqibul Mujib Ibnu Taufan Mulyana Lilis Nurteti Lilis Nurteti Madiha Dzakiyah Chaerunnisa Rudi Rudi Siti Rif’ah Nuralawiyah Esa