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All Journal Syari'ah Economics
Dede Husni Mubarok
Institut Agama Islam Darussalam (IAID), Ciamis, Jawa Barat
Economics, Econometrics & Finance

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ANALYSIS OF FACTORS AFFECTING THE DEVELOPMENT OF MICRO, SMALL AND MEDIUM ENTERPRISES (MSMEs) IN RURAL AREAS Dede Husni Mubarok; Maulida Hikmatul Husna; Dudung Rahman Wahid
Syari'ah Economics Vol 4 No 2 (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 (336.511 KB) | DOI: 10.36667/se.v4i2.204

Abstract

This study aims to elaborate on the factors that influence the development of micro, small and medium enterprises (MSMEs) in rural areas. This study uses a quantitative approach, because the data obtained is realized in the form of numbers and analyzed based on statistics. Based on the research method used, this research is an associative-causal research. Data collection techniques using a questionnaire with test requirements include validity test and instrument reliability test and normality test. Hypothesis test using Pearson Product Moment correlation, multiple correlation, simple regression, and multiple regression. The results of the study show (1) there is a significant influence of marketing factors on the development of MSMEs. (2) Working capital has a significant effect on the development of MSMEs. (3) The variables of marketing and capital have a significant effect on the development of MSMEs.
IMPLEMENTATION OF MUDHARABAH CONTRACT ON CIAMIS PRUDENTIAL SHARIA INSURANCE PRODUCTS Dede Husni Mubarok; Dedeh Hamidah; Mira Nurmayanti
Syari'ah Economics Vol 5 No 1 (2021): 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 (390.704 KB) | DOI: 10.36667/se.v5i1.209

Abstract

This research is motivated by the provisions of the DSN-MUI Fatwa Guideline Number 21/DSN-MUI/IV/2001, which states that a mudharabah contract can be converted into a tabarru contract, but a tabarru contract cannot be converted into a mudharabah contract. The purpose of this study was to determine the mudharabah contract in Pru Taqwa Prudential Syari’ah Ciamis insurance. This study also aims to determine the tabarru’ contract on Pru Taqwa Prudential Syari’ah Ciamis insurance, as well as to determine the implementation of the mudharabah and tabarru’ contracts on Pru Taqwa Prudential Syari’ah Ciamis insurance. The type of research used is field qualitative with descriptive analysis method. This study uses primary and secondary data sources. The results show (1) the mudharabah contract at Pru Taqwa Prudential Syari’ah Ciamis, namely where the insurance participant/insured is domiciled as shahibul maal and the Pru Taqwa Prudential Syari’ah company is the mudharib/manager. Where participants leave contributions (premium payments) to companies which will then be managed in the form of investments in halal companies that have been approved by the Indonesian Ulema Council. (2) The tabarru’ contract at Pru Taqwa Prudential Syari’ah Ciamis is a contract that changes the contract where the participant becomes a risk bearer other than the company. The company is only a manager/operator. The manager is not entitled to use the tabarru’ funds if there is no power of attorney from the insurance participant to avoid maisyir, gharar and usury. (3) The implementation of the mudharabah and tabarru’ contracts on Pru Taqwa Prudential Syari’ah Ciamis is in accordance with existing provisions, namely based on the DSN-MUI Fatwa Number 21/DSN-MUI/IV/2001 concerning General Guidelines for Sharia Insurance, namely the mudharabah contract which can be converted into a tabarru’ contract and a tabarru’ contract cannot be converted into a mudharabah contract.
PENGARUH VOLUME PEMBIAYAAN DAN BAGI HASIL DPK TERHADAP MARGIN PEMBIAYAAN MURÂBAHAH PADA BANK SYARIAH MANDIRI KCP BANJAR PERIODE 2013-2015 Dede Husni Mubarok; Suci Shayafillah; Tsania Salsabila
Syari'ah Economics Vol 2 No 1 (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 (66.056 KB)

Abstract

Pembiayaan yang disalurkan bank syariah masih didominasi oleh pembiayaan non bagi hasil, yaitu akad yang berdasarkan jual beli (murâbahah). Dominannya jenis pembiayaan murâbahah dibandingkan jenis pembiayaan yang lain disebabkan beberapa faktor. Dari sisi penawaran bank syariah, pembiayaan murâbahah dinilai lebih minim risikonya dibandingkan dengan jenis pembiayaan bagi hasil. Selain itu, pengembalian yang telah ditentukan sejak awal juga memudahkan bank dalam memprediksi keuntungan yang akan diperoleh. Sementara dari sisi permintaan nasabah, pembiayaan murâbahah relatif lebih mudah operasinya dibandingkan dengan jenis pembiayaan bagi hasil. Penelitian ini dilaksanakan dengan tujuan untuk mengetahui: (1) Pengaruh volume pembiayaan terhadap margin pembiayaan murâbahah pada Bank Syariah Mandiri KCP Banjar, (2) Pengaruh bagi hasil DPK (Dana Pihak Ketiga) terhadap margin pembiayaan murâbahah pada Bank Syariah Mandiri KCP Banjar, dan (3) Pengaruh volume pembiayaan dan bagi hasil DPK (Dana Pihak Ketiga) bersama-sama terhadap margin pembiayaan murâbahah pada Bank Syariah Mandiri KCP Banjar. Data penelitian diperoleh dari Bank Syariah Mandiri KCP Banjar periode Januari 2013 sampai dengan Agustus 2015. Analisis data dilakukan dengan menggunakan persamaan regresi dimana pengukuran parameter dilakukan dengan menggunakan Eviews versi 7. Hasil penelitian menunjukkan bahwa: (1) Volume pembiayaan berpengaruh negative dan sangat signifikan terhadap margin pembiayaan murâbahah pada Bank Syariah Mandiri KCP Banjar, (2) Bagi hasil DPK (Dana Pihak Ketiga) berpengaruh positif dan sangat signifikan terhadap margin pembiayaan murâbahah pada Bank Syariah Mandiri KCP Banjar, dan (3) Volume pembiayaan dan bagi hasil DPK (Dana Pihak Ketiga) secara bersama-sama berpengaruh sangat signifikan terhadap margin pembiayaan murâbahah pada Bank Syariah Mandiri KCP Banjar.
Co-Authors Dedeh Hamidah Dudung Rahman Wahid Maulida Hikmatul Husna Mira Nurmayanti Suci Shayafillah Tsania Salsabila