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All Journal EKSYA: Jurnal Ekonomi Syariah JUTEQ: JURNAL TEOLOGI & TAFSIR Involvement International Journal of Business
Siti Kholijah
STAIN Mandailing Natal
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Journal : EKSYA: Jurnal Ekonomi Syariah

 1 
PERSEPSI MASYARAKAT HURABA TERHADAP PINJAMAN PEMBIAYAAN OLEH BTPN SYARIAH DALAM PENINGKATAN USAHA DITINJAU DARI HUKUM ISLAM Siti Kholijah; Pitriani Gultom
EKSYA : Jurnal Ekonomi Syariah Vol 3 No 1 (2022): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v3i1.727

Abstract

BTPN Syariah is a financial institution whose main business is to provide credit and other services in payment traffic and money circulation, and operates according to sharia principles. In addition to these main businesses, BTPN Syariah also provides business capital financing loan programs to the public. The business capital financing loan is intended to empower the community, especially women so that their welfare increases. One of the communities empowered by the BTPN Syariah financing program is the Huraba I Village community, Kec. Siabu Kab. Christmas Mandailing. This study uses a qualitative method with a descriptive analytical approach. Methods of collecting data obtained through direct observation, interviews and documentation. The data analysis technique was carried out by means of data reduction, the last data display was concluded. The subjects in this study were the people of Huraba I Village, Kec. Siabu Kab. Mandailing Natal and or BTPN Syariah bank customers and BTPN Syariah parties. The results of the study concluded that the practice of accounts payable with both parties benefited from each other, namely Muqtarid (the borrower) getting a loan so that he could meet his needs. Meanwhile, Muqrid (who provides loans) also gets what he is entitled to, namely profits from the results of his sacrifices and the reason behind the practice of debt is because of the convenience in covering the needs of the local community and the process is easy, fast and does not have to leave collateral. According to Islamic law, financing loans provided by BTPN Syariah in business development contain elements of usury because the principle between the borrower and the BTPN Syariah bank uses the interest principle and depends on the interest system applied to conventional banks. Therefore, any addition to the loan amount from the debtor is said to be usury, but it depends more on the background and the consequences. As with the additions contained in the debt transactions that occurred in Huraba I Village, Kec. Siabu Kab. The additional Mandailing Natal in the debt transaction is an addition that can be taken because the average loan is for business capital and with this addition it does not cause a downturn in economic life.
EFEKTIVITAS LABELISASI HALAL USAHA KIPANG DITINJAU DARI EKONOMI ISLAM (STUDI KASUS USAHA KIPANG DIAN KELURAHAN PANYABUNGAN II) Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 2 No 1 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v2i1.1078

Abstract

This study aims to find out how the Effectiveness of the Halal Label for Kipang Dian Business Products and how the Islamic Economic Review is on the halal labeling of Kipang Dian businesses. The data collection technique carried out by the author is by interviewing the owner of the Kipang Dian Business and observations made on retail traders and consumers, as well as the addition of reading books and also other sources related to the research title. Furthermore, the results of the study were analyzed through a descriptive analysis method which described how the level of effectiveness of Halal Labeling for Kipang Dian Business Products and how the Islamic Economic Review of Kipang Dian's business halal labeling. The data used in this study are primary data and secondary data with research subjects consisting of business owners, employees, traders and consumers. The results showed that the effectiveness of the Halal Label for Kipang Dian Products was influenced by 4 factors, namely product, price, location and promotion. Based on the results of the study, the use of halal labeling on Kipang Dian is very beneficial for Kipang Dian owners themselves as well as for traders/agents because the existence of a halal label on Kipang Dian can increase consumer trust and satisfaction in Kipang Dian than other kipang which do not there is a halal label. From an Islamic economic point of view, the use of halal labeling on kipang dian businesses can provide economic benefits for business actors, consumers and the government. It also provides opportunities for entrepreneurs that are much better and more widely open and are products that comply with halal in accordance with Islamic law.
PENGARUH KEBUTUHAN, PELAYANAN DAN JAMINAN TERHADAP PEMANFAATAN JASA PERMODALAN DI KECAMATAN NAGA JUANG Siti Kholijah
EKSYA : Jurnal Ekonomi Syariah Vol 2 No 2 (2021): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v2i2.1079

Abstract

This study aims to determine the effect of the needs factor, guarantee factor and service factor on the community in utilizing the Mekaar Program Civil National Capital Service (PNM) in Sayur Matua Village, Naga Juang District. The population in this study were all residents who received funding from the Mekaar Program Civil National Capital (PNM) in Sayur Matua Village, Naga Juang District, as many as 121 customers with a sample of 55 respondents. The data collection technique for this research was a questionnaire which was tested for validity and reliability. Data analysis techniques using multiple linear regression, classical assumption test, t test, F test and the coefficient of determination. The magnitude of the influence of the need on public interest in utilizing the Mekaar Program Civil National Capital Services (PNM) is 0.236 or 23.6%, the magnitude of the collateral effect on public interest in utilizing the Mekaar Program Civilian National Capital Services (PNM) is 0.366 or 36.6%, and the magnitude of the influence of the service on public interest in utilizing the Mekaar Program's Civil National Capital Service (PNM) is 0.433 or 43.3%. While the results of the F test show that the significance value is 0.000 <0.05 and the calculated f value is 257.020 > f table 2.79, it can be concluded that the variables of needs, guarantees and services have a significant effect simultaneously on people's interest in utilizing the Civil National Capital Services (PNM ) Mekaar Program. obtained an R square value of 0.938 or 93.8%. This shows that the variables of needs, guarantees and services have an effect of 93.8% on people's interest in utilizing the Mekaar Program's Civil National Capital Services (PNM), while the remaining 6.2% is influenced by other variables or factors outside of research.
Co-Authors Cahaya Rangkuti Febriyanti Lubis Irwan Efendi Hsb Kaddar Muhamad Rifardi Dalimunte Nur Jannah Angriani Pitriani Gultom Sarah Citrasari Trini Damayanti Zulhajjah