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

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IMPLICATIONS FOR FINANCING RESULTS ON MUDHARABAH FINANCING VOLUME IN BANK MANDIRI SYARI’AH Ani Lusiani; Sumarni Sumarni
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 (432.186 KB) | DOI: 10.36667/se.v4i1.195

Abstract

This research is motivated by the decrease of mudharabah financing volume from 2013-2015, while the share of financing increased except in 2014 at Bank Syariah Mandiri. From the observation while the researchers there is a negative relationship, whereas some previous research mentions that there is a positive relationship between the volume of financing mudharabah with profit sharing. It is very interesting writer to know more in relation volume of financing mudharabah with profit sharing at Bank Syariah Mandiri year 2012-2015. The method used is correlational descriptive method. The data used are monthly financial report of mudharabah financing and profit sharing of Bank Syari'ah Mandiri in 2012-2015. Data collection techniques used are document studies with data collection instruments browsing. Data analysis used descriptive statistic with Spearman Rank correlation technique, because the data of distributed research is not normal. The descriptive statistics of mudharabah financing volume data and the share of financing at Bank Syariah Mandiri from January 2012 to December 2015 have increased and decreased. Spearman Rank correlation calculation results for the relationship of mudharabah financing volume with the financing sharing at Bank Syariah Mandiri in 2012-2015 is equal to -0.259 with a significance level of 0.046 at the level of 5% confidence. The conclusion is the volume of mudharabah financing with profit sharing in Bank Syariah Mandiri in 2012-2015 has a weak correlation with a negative direction of -0.259 or -25.9%.
MARKETING STRATEGY OF “QURO HEXAGONAL DRINKING WATER” PRODUCTS IN KOPERASI PESANTREN AL-QUR’AN, CIJANTUNG-CIAMIS Sumarni Sumarni; Deni Yusuf Hidayat; Muhamad Purnama Dipraja
Syari'ah Economics Vol 5 No 2 (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 (261.494 KB) | DOI: 10.36667/se.v5i2.210

Abstract

Water is an essential need for living things, especially water for consumption. In Indonesia, the demand for clean water is constantly increasing, thus providing an opportunity to open a business in the field of Bottled Drinking Water (AMDK). Pondok Pesantren Al-Qur’an Cijantung Ciamis has a drinking water company business unit “Quro Hexagonal” long been marketed in various regions. This study aims to determine the marketing strategy, product, price, distribution, place and promotion used in the Quro Hexagonal water company. This study uses a qualitative field method. Test the validity of the data using triangulation. The results showed that to meet consumer demand, company management uses four marketing strategies, namely product, price, distribution, and promotion. This Quro Hexagonal water product uses a Life Energy engine, a mineral water system, from this process it will produce quality water. The prices that the company offers are high prices because of the excellent water quality. Distribution, Quro Hexagonal water company in running its business to market its products has reached the cities of Banjar, Pangandaran, Tasikmalaya, Kuningan, Majalengka, Cirebon, and surrounding areas. Promotion, the Quro Hexagonal water company conducts sales promotions by utilizing the distribution of the alumni of the Cijantung Al-Qur’an Islamic Boarding School to become agents or consumers of Quro Hexagonal water.
PENGARUH HARGA DAN LABEL HALAL PADA KOSMETIK TERHADAP KEPUTUSAN PEMBELIAN MAHASISWI INSTITUT AGAMA ISLAM DARUSSALAM CIAMIS JAWA BARAT Sumarni Sumarni; Ana Husna Azizah; Hepi Nugraha
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 (66.051 KB)

Abstract

Penelitian ini dilakukan untuk menemukan pengaruh harga dan lebel halal pada kosmetik terhadap keputusan pembelian mahasiswi Institut Agama Islam Darussalam Ciamis. Penelitian dilakukan di kampus Institut Agama Islam Darussalam Ciamis. Penelitian ini menggunakan metode penelitian autokorelasi. Teknik yang digunakan dalam pengambilan sampel yaitu, sebagian sampel penelitian diikutsertakan dalam penelitian ini. Pengumpulan data dalam penelitian ini menggunakan kuesioner dan wawancara. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis statistik deskriptif, uji validitas dan reliabilitas, uji asumsi dengan menggunakan uji normalitas, uji persyaratan dengan menggunakan uji multikolinearitas, uji heteroskedastisitas dan uji hipotesis dengan menggunakan analisis regresi linier berganda, serta uji t dan uji F. Pengaruh Harga dan Label Halal secara bersama-sama berpengaruh terhadap Keputusan Pembelian kosmetik mahasiswi Institut Agama Islam Darussalam Ciamis. Hal ini ditunjukkan oleh uji F yang didapat nilai F hitung > F tabel (5,158 > 3,232), sehingga Ho ditolak.
Co-Authors Ana Husna Azizah Ani Lusiani Deni Yusuf Hidayat Hepi Nugraha Muhamad Purnama Dipraja