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PENGARUH PEMBIAYAAN AKAD MUSYARAKAH DAN AKAD IJARAH TERHADAP TINGKAT KEUNTUNGAN PERSEROAN TERBATAS BANK PEMBIAYAAN RAKYAT SYARIAH MANDIRI PERIODE 2003-2017 GIVI ELGIVIA; WAHIDIN MUSTA’IN BILLAH; DINA WULANDARI
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

This Study analyze the effect of musyarakah financing and ijarah financing on profitability level at Bank Mandiri Syariah by using ROA ( Return on Asset)ratio. The research method used is descriptive research of quantitative approach anc case study at Bank Syariah Mandiri. The type of data obtained from this research is secondary data based on the result of the financial report of Bank Syariah Mandiri linked and through the website www.ojk.go.id Analyzer used in multiple linear regression analysis. The sampling technique used was purposive sampling. The sample has 15 accounting reports that meet the determined criteria. Through fifteen years of observation period starting from the year 2003 to 2017 the unit of analysis obtained is a financial statement of an accounting report. The research variable consisted of independent variables in the form of musyarakah financing (X1), Ijarah financing (X2), and influence to profitability level (Y). These variables were tested with multiple linear regression analysis with 5% if significance level. Analysis technique data used is partial statistical analysis (Ttest) and Simultaneous statistical analysis (Ftest). The result of this research indicated that Musyarakah financing and Ijarah financing did not partially have an effect on profitability with the Tcount value of 3,987 Musyarakah financing and 2,343 Ijarah financing. the result simultaneous by F test is known that simultaneously Musyarakah financing and Ijarah financing does no effect the stock price with the value Fcount value of 8,419 which is lower than Ftable score 3,81

ANALISIS KINERJA KEUANGAN BMT (KSPPS) (Studi Kasus BMT Pratama Cahaya Mentari Rawalumbu Kota Bekasi) WAHIDIN MUSTA’IN BILLAH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

The purpose of this research is to improve the financial performance of Baitul Maal wat Tamwil (BMT) Pratama Cahaya Mentari Rawalumbu Kota Bekasi using SWOT analysis. In this study, using primary and secondary data obtained from financial reports. The research method used is a descriptive qualitative method. Based on the ministerial regulation, regarding the cooperative with achievements, it can be concluded that performance and financial management at BMT based on the results of the data are considered to have been running at 51%. This is due to the limited funds that can be used. In terms of cash flow, it is still minus because BMT KSPPS Pratama Cahaya Mentari has just been established, while there are fixed expenses that must be issued every month such as electricity and employee salaries. This is still assisted by the leadership of the Muhammadiyah Rawalumbu Branch.

PERAN LEMBAGA AMIL ZAKAT, INFAK dan SEDEKAH MUHAMMADIYAH (LAZISMU) DALAM PEMBERDAYAAN EKONOMI MUSTAHIK PERIODE 2016-2018 WAHIDIN MUSTA’IN BILLAH; MUFID HABIB MUSTOFA; KHALIMI KHALIMI
DIRHAM Jurnal Ekonomi Islam Vol 1, No 1 (2020): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Empowerment is a standard of living that is desidered for all people, especially those in the middle to lower category or commonly known as the poor. One of the zakat collecting, Management, and Collection Institutions that has tried to deal with poverty is the Mustahik economic empowerment program implemented by one of the programs called the establishment of 1000 MSME (Micro Small and Medium Enterprises) under the auspices of the Muhammadiyah central board of Muhammadiyah. Mustahik economy after the program. This research focuses on one problem, namely: what are the supporting and inhibiting factors of LAZISMU Muhammadiyah central leadership in the implementation and improvement of the mustahik economy. This type of research is a qualitative study, while the specifications of this study are based on observations, interviews and documentation obtained when conducting activities in the field (field research). The result of this study are first, an increase in house should income, second, an increase in the accumulation mustahiq 1000 MSME Programs, including:first, Strengthening the characters of business, training and motivation to trade, second, guidance and assistance in running the Micro, Small, and Medium Enterprises. Supporting factors in the implementation and improvement of the mustahik economy is that there is a clear guideline concept on employee loyalty, very high companion program loyalty and capital and donors available so that the program can run. While the inhibiting factors are limited capital from available zakat funds, uneven level of education among MSME members, difficulty in finding donors because LAZISMU Muhammadiyah central leadership is not in accordance with the program that is expected of donors, there is no responsibility from mustahiq members and there are financial reports lack of openness (transparency) regarding fund management which explains the source of funds collected and some funds channeled.

PERAN LEMBAGA KEUANGAN SYARI’AH DI MASA PANDEMI COVID-19 DALAM MERANGKUL UMKM (Studi Kasus pada KSPPS BMT Pratama Cahaya Mentari Rawalumbu) WAHIDIN MUSTA’IN BILLAH
DIRHAM Jurnal Ekonomi Islam Vol 2, No 2 (2021): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Since the time of the Covid-19 Pandemic, economic sectors have implemented work from home (WFH) policy as well as the world of education organizing school activities and lectures online. This condition encourages the public to comply with government directions so that there is no wider spread of Covid-19. With the existence of restrictions on community activities in various fields, those who really feel the impact are the entrepreneurs of the Micro, Small, and Medium Enterprises (MSMEs). This research uses qualitative research methods with primary and secondary data. This study finds that it is necessary to have the role of financial institutions that can support the capital of MSMEs. Sharia Financial Institutions (LKS) are institutions engaged in the financial sector, both collection and financing as well as operations in other financial services. As an LKS, in carrying out its role, KSPPS BMT Pratama Cahaya Mentari has the potential to run with extraordinary support from Muhammadiyah residents and the local environment. In addition, to support from the community, BMT PCM has strong pillars, including diverse and solution products and services. The latest system of procedures, prudence, and compliance with SDI's sharia and integrity, professional and competent leadership, infrastructure that seeks to be reliable, sturdy and adaptive, safe, and directed. The implementation of KSPPS BMT Pratama Cahaya Mentari has been running 51%.

QIYAS DALAM TINJAUAN HUKUM ISLAM Fifi Hakimi; Wahidin Musta’in Billah
DIRHAM Jurnal Ekonomi Islam Vol 3, No 2 (2022): DIRHAM Jurnal Ekonomi Islam
Publisher : Institut Bisnis Muhammadiyah Bekasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53990/djei.v3i2.234

The theory of qiyas has experienced very rapid development in this form in an abductive manner which previously was still in scope deductively, in the thought that it is regulated in Islamic law itself has external aspects in the concept of qiyas in the contemporary Islamic era, since the beginning, This qiyas is a theoretical matter that is always carried out by Islamic jurists, who conceptually have never experienced a change in dealing with problems that often arise in contemporary circles. It does not mean that it has limitations in looking broadly for illat which is theorized by qiyas law, and it is not limited to material concepts in concrete lines or contextually. However, the explanation given on any problem can be interpreted broadly and in detail to overcome it. Various questions and statements will be reviewed and solved as Islamic law regulates in aqidah.

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